HomeMy WebLinkAbout08-1551Pluese, Becker & Saltzman, LLC
Rob Saltzman, Esquire
Attorney Identification No.: 53957
20000 Horizon Way, Ste 900
Mt. Laurel, NJ 08054
(856) 813-1700
Attorneys for Plaintiff
SOVEREIGN BANK COURT OF COMMON PLEAS
CUMBERLAND COUNTY
Plaintiff,
08 - /95( el v
V.
PAUL A. MATTUS (MORTGAGOR AND
RECORD OWNER) AND PAMELA S.
MATTUS (RECORD OWNER) AND THE
UNITED STATES OF AMERICA, C/O
ATTORNEY GENERAL DEPT. OF
JUSTICE
Defendants.
CIVIL ACTION
COMPLAINT IN MORTGAGE FORECLOSURE
NOTICE
YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE
CLAIMS SET FORTH N 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 THE 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. IFYOUDONOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GOT TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
2 Liberty Avenue
Carlisle, PA 17013
1/800-990-9108
NOTICIA
LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE
DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGWAS SIGUIENTES, USTED
TIENE (20) DIAS DE PLAZO A PARTIR DE LA FECHA DE LA DEMANDA Y LA
NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA 0 EN
PERSONA 0 POR ABOGADO Y ARCHIVAR EN LA CORTE SUS DEFENSAS 0 SUS
OBJECIONES A LAS DEMANDAS ENCONTRA 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 0
POR CUALQIER QUEJA 0 ALIVIO QUE ESPEDIDO EN LA PETICION DE
DEMANDA. USTED PUEDE PERDER DINERO, SUS PROPIEDADES 0 OTROS
DERECHOS IMPORTANTES PARA USTED.
LLEVE ESTA DEMANDA A UN ABOGADO BvAMEDIATAMENTE. SI NO TIENE
ABOGADOO SI NO TIENE ELDINERO SUFICIENTE PARA PAGARTAL SERVICIO,
VAYAEN PERSONA 0 LLAMEPOR TELEFONO ALA OFICINA CUYA DIRECCION
SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE USTED PUEDE
CONSEGUIR ASISTENCIA LEGAL.
CUMBERLAND COUNTY BAR ASSOCIATION
2 Liberty Avenue
Carlisle, PA 17013
1/800-990-9108
CIVIL ACTION -- COMPLAINT IN MORTGAGE FORECLOSURE
1. The Plaintiff, Sovereign Bank is a corporation having been organized under the laws
of the United States of America and having its principal place of business at 601 Penn Street,
Reading, PA 19601.
2. (a) Defendants, Paul A. Mattus (Mortgagor and Record Owner) and Pamela S.
Mattus (Record Owner only) are individuals whose last known address is 514 Partridge Court,
Mechanicsburg, PA 17050.
(b) Defendant, Paul A. Mattus holds an interest in the subject property as
mortgagor and record owner. Defendant, Pamela S. Mattus holds an interest in the subject property
as record owner only.
(c) If any of the above named Defendants are deceased, this action shall proceed
against the deceased Defendant's heirs, assigns, successors, administrators, personal representatives
and/or executors through their estate whether the estate is probated.
3. (a) The subject mortgage (the "Mortgage") is described as follows:
Mortgage executed on: April 16, 1996
Mortgage recorded on: April 24, 1996, in Record Book 1315, page 602
County of. Cumberland
See Exhibit "A," Note and Mortgage.
(b) The Mortgage encumbers property (the "Subject Property") located at:514
Partridge Court, Mechanicsburg, PA 17050.
(c) The "legal" description of the Subject Property, expressed in metes and
bounds, is incorporated in the Mortgage. See Exhibit "A," Mortgage.
(d) Pursuant to Pa. R.C.P. 1147 (1) and 1019(g) Plaintiff is not obliged
to append copies of the above mentioned publicly recorded documents to this mortgage foreclosure
action. These documents are, however, appended hereto and incorporated herein by reference,
together with the underlying Note, as Exhibit "A," Mortgage and Note.
4. The requisite pre-foreclosure Combined "Act" Notice has been sent to the
Defendant(s) by regular and certified mail as required by 35 P.S. § 1680.403 c on the date(s) set forth
in the true and correct copy of such notice(s) attached hereto as Exhibit "B".
5. The United States of America is joined herein as a subordinate lienor pursuant to
28 U.S.C. Section 2410. A copy of the Federal Lien(s) and information pertinent thereto is attached
hereto and made a part hereof as Exhibit "C."
6. The Mortgage is in default (the "Default") because the Defendant(s) failed to timely
tender the monthly payment of $2,172.94 due and/or to be applied to the payment due July 1, 2007
(the "Default Date"), and thereafter failed to make the monthly payments.
7. Pursuant to the terms of the Mortgage, the secured loan obligation has been
accelerated.
8. By reason of the foregoing Default, Plaintiff respectfully requests entry of judgment
in rem incorporating the following sums:
(a) Outstanding Principal Balance $186,784.53
(b) Interest due and owing at the
rate of 8.870% calculated from the Default
Date through March 15, 2008.
Interest will continue to accrue at the per diem rate of
$44.67 through the date of entry of Judgment in rem. $12,964.76
(c) Attorneys' fees $1,250.00
(d) Title Search $347.00
(e) Satisfaction Fee $52.00
(f) Escrow Due $798.05
(g) Lien Search $140.00
(h) Property Inspection $20.70
(i) Late Charges $765.00
0) NSF Fee $30.00
(k) Paid Attorney Fees $90.82
(1) Suspense -$1,227.06
TOTAL INREM JUDGMENT SOUGHT BY PLAINTIFF $202,015.80
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 Sheriff's Sale.
If the Mortgage is reinstated or satisfied prior to the Sale, reasonable attorneys' fees will be charged.
WHEREFORE, the Plaintiff demands:
-- Entry of Judgment in rem against the Defendant above named in the total amount of
$202,015.80 as stated at Paragraph 6, plus additional interest, additional escrow advances expended,
additional late charges, plus any other costs incurred through the date of entry of Judgment; and
Foreclosure of the mortgagor's equity of redemption and that of any persons or entities
holding or claiming under them and Sheriff's Sale of the subject mortgaged property.
Respectfully Submitted,
Pluese, Becker & Saltzman, LLC.
By: //,/
obe . Thomas, Esquire
Attorney for Plaintiff
NOTICE REQUIRED BY THE
FAIR DEBT COLLECTION
PRACTICES ACT, (the act),
15 U.S.C. SECTION 1601 AS AMENDED
To the extent the act may apply, please be advised of the following:
I . The amount of the original debt is stated in paragraph one of the Complaint attached hereto.
2. The Plaintiff who is named in the attached Notice to Plead and Complaint is the Creditor to
whom the debt is owed.
3. The debt described in the Complaint attached hereto and evidenced by the copy of the
mortgage/note will be assumed to be valid by the Creditor's law Erin; unless thel?ebior?s), within
thirty days after.receipt of this notice, disputes, in writing, the validity of the debt or some portion
thereof.
4. If the Debtor notifies the Creditor's law firm in writing within thirty days of the receipt of this
notice that the debt or anyportion thereof is disputed, the Creditor's law firm will obtain verification
of the debt and a copy of the verification will be mailed to the Debtor by the Creditor's law firm.
5. If the Creditor who is named as Plaintiff in the attached Notice to Plead and Complaint is not the
original creditor, and if the Debtor makes written request to the Creditor's law firm within twenty
(20) days from the receipt of this Notice, the name and address of the original Creditor will be
mailed to the Debtor by the Creditor's law firm.
6. Written request should be addressed to Pluese, Becker & Saltzman, LLC 20000 Horizon Way
Suite 900 Mt Laurel, New Jersey 08054.. Attention: Rob Saltzman, Esquire
VERIFICATION
The undersigned, a foreclosure processor of Sovereign Bank, the instant Plaintiff, hereby
verifies that the facts set forth in the foregoing Complaint in Mortgage Foreclosure are
taken from the records maintained by said persons supervised by the undersigned who
maintain the business records of the Mortgage held by the 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 18 Pa C.S.A. 4904 RELATING TO UNSWORN
FALSIFICATION TO AUTHORITIES.
0 37 _
BY:
Name: Michele Heck
Title: Foreclosure Team Lead
Joys-
0 G,2 q97
?:
:cr
Gt uS
'96 APH Z' Hf711 19
[Space Above This Ltoe For Reeorft Data) -
MORTGAGE
THIS MORTGAGE ("Security Instrument") is given on APRIL 16, 1996
The mortgagor is PAUL A MATTUS
York Federal Savings and Loan Association ("Borrower"). This Security Imali,entis g;veoto
which is organized and existing under the laws of THE UNITED STATES OF AMERICA
101 South George Street, PO Box 15068, York, PA 17405-7068 .and whose address is
TWO HUNDRED FOURTEEN THOUSAND FOUR HUNDRED AND Lender") Borrower owes Lender the Dollars (U.S. $ 214, 400.00 ******************** a*P ***f
Instrument ("Note"), which provides ). This debt is evidenced by Borrower's tote dated the same date as this security
for
MAY 1 mondtty payments, with the
, 2026 full debt, if not paid earlier, due and by the Note, with interes This Security
Instnunent senses to L ender: (a) the r Payable e
t and all renewals, extensions and modifications of the Not', of the debt evidenced
interest, advanced under paragraph 7 to protect the security
covenants and of this Security Izn ' (b) the Payment of all other sums, with
agreements under this Security Insinuuent and ?; and (c) this performance of Borrower's
grant and convey to Lender the folio the
Note. For this purpose, Boaowcr does hereby
wing described property located in CUMBERLAND mortgage,
THE PROPERTY MORTGAGED HEREIN IS MORE PARTICULARLY DESCRIBED IN
EXHIBIT " " County, Pennsylvania:
A, WHICH IS ATTACHED TO THIS MORTGAGE AND MADE A PART
OF THIS MORTGAGE.
which has the address of 514 PARTRIDGE COURT
Pennsylvania [safer)
17055 ("Property Address"
[Zip code) );
PEMMNiasol?i'is2it?j A nfclamftooooo?ooaa F8O°kMae/Fr
edtlie Mac t1NII+ORM INSI RUMIr? t
BOOK M5 PAGE 602
MECHANICSBURG
[City)
Form 3039 9190 (Page I of 6 pager)
Omt Leru Buelme¦ Forme, Im a
To Order G! 1-B00.5304M p FAX a1B-,B1.1131
ACCT# 1600629 , h , u? d
C,
and fTxO?C*7 THERtto or allfte? improvements stow or hereafter erected on the
part of the property. All replacements and p er' and all easements, aPP emanccs,
Inatrutment. All of the foregoing is referred to in this addition shall also be covered by this Security
BORROWER COVEN Security Instrument as the "Property."
ANTS that Borrower is lawfully seiaed of the estate hereby conveyed
°prtgage. grant anti convey die right to
Borrower Warrants and cumbrances of record. will fend Property the title to the ft is h, against all, except for emu mbraannces of record. property
en
_ claims and demands, subject to any
ted v aria SECURITY INSTRUMENT combines uniform covenants for national use and nw-uniform covenants with
by Jurisdiction to constitute a uniform security inahumew covering real property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
11 Payment of PrMpal and hditvst; Prepayment and Late C
pri>rW of and interest on the debt evidenced by the Note and s. Borrower shall promptly pay when due the
2. Funds for Taxes and Insurance 8 Prepayment and late charges due tinder the Note.
to Larder on the , Subject to applicable law or to a written waiver by Lender, Borrower shall pay
day morift payments are due under the Note, until the Note is paid in full, a sum ("Funds") for: (a) yearly
taxes and
payments or assessments which may aeprio'rit over this Security Instrument as a lien on the Property; (b) Yearly leascho
ground rants on the Prop
premiums, erty,
ood
accordance with thu) l yearl prov oin of ?(c?? Prouniums, if anny* ? (0 annY m- Payable by Borrowe if RAY; ) Yearly hazard or
items are called " Paragraph 8, in lieu of the Payment of mortgage insurance premiums. These
Escrow Items." Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum
amount a lender for a federally related mortgage loan rosy require for Borrower's escrow account under the federal Real
Estate Serlemtmt Procedures Act of 1974 as amended from time to time, 12 U.S.C. § 2601 et seq. CRESPA"), unless
another law that applies to the Funds sets a lesser ate. If so, Lender may. at any time, collect and hold Funds in an
amount not to exceed the lesser amount, bender may estimate the amount of Funds due on the basis of current data and
reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with applicable law.
The Funds shall be held in an institution whose deposit, are insured by a federal agency, instrumentality. or entity
(including Lender, if Lender is such an institution) or in any Federal Home Loan Bank Lender shall apply the Funds to pay
the Escrow Items. Lender may not charge Borrower for holding and applying the Funds, a°nualhy analyzing the escrow
accOuM Or r 10 malm er such the) row Items, t ndr Lenmay der
repays Borrower quire Bow interest On the Funds and applicable law permits
such a char' However,
estate tax reporting eerypplicaused ble !w Lender in connection with this loan, unless applicab _lellaw pcharge for an rovides otherwise. Unless an
agreement is made or a requires interest
or earnings on the Funds. Borrower to be paid. Lender shall not be required to
and L, 3 may pay Borrower any interest
Lander shall give to Borrower, ender Y 49M in writing, however, that interest shall be paid on the Funds.
and the without charge, an annual accounting of the funds, showing credits and debits to the Funds
purpose for which each debit to the Funds was made. The Funds are pledged as additional security for all sums
secured by this Security htstmmenr.
If the Funds held by Lender x ? 810011111113 Permitted to be held by applicable law, Leader shall account to
Borrower for the excess Funds _ law.
Lender at any time is not sufficient to pay the F=with die ow Items of , Le le
nder so uIf t amount ft
tohtify e of I. Funds held by
when such case Borrower shall
deficient in no
rwpay 1 to Lender aunouot necessary to make up the deficiency. Borrower shallmake up the
Upon payment in full of all rtxntty PaYmemts, at Lender's sole discretion.
sums secured by this tr
Funds held by Lender. If, under paragraph 2121 Lehr shall Security 1W r shall promptly refund to Borrower any
sale of the
the Property, Property, Instruments. Funds held by Lender at the acquire of acquisition or sale Leader, prior crredit aggans e sums
secured by t
3. Application of payments. Unless applicable law provides otherwise, all PsTagraPhs I and 2 shall be applied: fast, to a Prepayment charges Payments received by Lender under
pMt(,h 2 third; to--?; g due undo; the Note; _secotd. to amounts
_payable. undcr_
P du, ; anfiLtst, to
4. Charges; L1eru. Borrower shall pay all taxes, asseasm to an ]cat charges duand e under the Note.
Property which may attain priority over this Security Instrument, and leasehold fines mnpositions aaributabie to the
stall pay those obligations in the incomes provided in payments or ground rents, if any. Borrower
time directly to the person owed paragraph 2. tl if not paid in that manner, Borrower shall pay them on
under this paragraph. If Borrower yment. makes grower shall Promptly furnish to Lender all notices of amounts to be paid
evidencing the paymems. Payments directly, Borrower shall promptly furnish to Lender receipts
in writingrrower
to the Promptly discharge any lien which has priority over this S h
Payment of the obligation secured Instrument unless Borrower: (a) agrees
the lien by, or defends by the hen in a manner acceptable against enforcement of the to Lender; (b) contests in good faith
prevent the enfor,ement o lien in, legal proceedings which in the Lender's
subordinating the lien to this the M' H rity Ins (c) secures from the holder of the lien an a octory to Laoperate
e
which may amain priority over this trument. If Lender de9ermines that an greerop satisfactory cier
Security Instrument, Lender may any part of the prop" lying is the subject
ect to a lien
shall satisfy the lien or take one or more of the actions set. forth above within 10 days of the giving of notice.
lien. Borrower
5, Hazard or
party Insmaruce, Borrower shall keep the improvements now existing or hereafter erected on the
Property insured against loss by fire, hazards included within the term "extended coverage" and any other hazards. itch
floods or flooding, for which Lender requires
ITEM 196OL2 49211insurance, This insurance shall be maintained in the amounts and
Form 3039 9190 (page 2 of 6pages)
Poo13i5PAGE, sQ3 ToO.d"ratl: .esGonat63o-t.ko9,93su?pmraxn t„ors6..79I,nc..,,3¦
,-,
ACCT# 160062997
for the periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Borrower subject to
Lender's approval which shall not be unreasonably withheld If Borrower falls to maintain coverage described above,
Leader ma 's option, obtain coverage to Protect Lender's rights in the
AM in, acceptable p,,," and renewals shall be Pf0PcrkY in accordance with 7
shall have the right to hold the policies and renewals. ?r?? ewer nth shall , ward mortgage clause. Lender MTAomptly
of paid premium and renewal notices. In Ulu event of loss, Borrower shall give n give to Lender all receipts
Leader- Lender L.eader?aad MWM Borrower rofo?s if n made promptly by Borrower. Prompt notice tice t to the ioa»rance carrier and
Unless restoration ?Property damaged, if the restoration or?pair is awl e-Proceeds shall be yle and applied to restoration or repair of
applied the sum is not economically feasible or Lender's security would be Lender a Uhe - is not lessened. If the kneae Borrower abandons secured Ulna Security I°snt' whether or not lion due, mod' Proceeds Shall be
offered to settle a claim, ? rty' or does not answer within 30 days a notice with any excess paid to Borrower. If
Leader may Collect the insurance c from ?r that the insurance tamer has
the Property or to ve sums secured by this proceeds, Lender may use the Proceeds to repair or restore
whMft notice is given SecurityInstrument, whether or not then due. rx 3o.day period will begin
Unless Leader and Borro?therwiso agree in writing, arty application of proceeds to Principal shall not extend or Payments
to in postpone
ferred
graph 211tthefProperty. is acquired b rem • Borrower paragraphs 1 and 2 or change the amount of the payments. If
under Paragraph from damage to the Property prior to the non nder right to any 1t1xr1nnrr policies and proceeds res ting
ul
Insmtinent immediately prior to the acquisition. tea.. shall pass to Lender to the extent of the stuns segued by this Security
Leasehd? a Borrower shall on' Maintenance and Protection of the Property; Borrowersa Loan Application;
f? the
at least one xecution of this Security tiument and shall continue to occupy the Pro s p erty rinc t? Borrores wers p ter's pri within sixty days
year after the date of occupancy, Uudesa Lender otherwise rincipal residue
unreasonably withheld, or unless extemiating circumstances exist agrees wrting, which consent shall not be
destroy. damage or impair the Property, allow the which are beyond Borrower's control. rty. fl Borrower shall not
be in de6uit if any forfeiture action or Proceeding, Prom' to deteriorate, 1, commit waste on the Property, B faith
r shall
could result in forfeiture of the property r Otrwtw whether civil °r criminal, is begun that in I.cnder s good faith judgment
Lender security hoer est Borrower may cure such a default and reinstate, impair throhen created by this Security Instrument or
or Proceeding to be dismissed with a P vises in paragraph 18, es causing the action
Borrower's interest in the Property that, in Lender's good faith determination, precludes forfeiture of the
perry or other material impairment of the lien created by this security la raiment or Lender's
security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or
inaccurate information or statements to Lender (or failed to provide Leudcr with any material information) in connection
with the loan evidenced by the Now, including, but not limited to, representations concerning Borrower's occupancy of the
Property as a Principal residence. If this Security instrument is on a leasehold, Borrower shall provisions
Goff the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge With
tees to the merger writing. Lr
all tinttheless Lender
7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreements
Prcoo?d in this Security instrument, or there is a legal p
petty (such as a proceeding in to a that may significantly
or to Lender's rights in then Lender may do and bankruptcy' probate, for condemnation or forfeiture or to enforce laws or regulatons). whatever
is nectuary Property. IZUder's actions may?include Paying sec Pnd rotect the value of the Property and Lender's rigs in t? any 3UM by aP?ng in court, Paying reasonable attorneys' fees and entering alien which has priority over this Security Instrument,
take action Under this paragraph 7, Leader does not have to do soPe1tY w make repairs. although Lender may
Arty 1112110ttota disbursed by Leader under this paragraph 7 shall become additional debt of Borrower secured by Ibis
Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from
the date of disbursement at the Note rate and shall be payable, with interest
-riulud g-$ - _ -- ___ won notice_from.4nder-to -Borrower
B.Mo
rtgar Instn ante. If Lender required mo a e i
Security Instrumeent, Borrower shall rtB 8 nsurance as a condition making the loan secured by this
, the mortgage insurance cove ayae the Pr b y required to maintain ills mortgag age insurance in
ffect. If, for an
reason t, Borroweer shall pay thye
premiums required to obtain coveragresubstantially equ<vr lap oar ceases [o be in effec
substantially equivalent to the cost to Borrower of the mortgage pmortgage iIL4uratiCe previously in effect, at a cost
insurer approved by Lender. If substantially equivalent insurance Previously in effect, from an alternate mortgage
Lender
each month a sum mortgage insurance coverage is not available, Borrower shall pay to
Lender each coverage lapsed or eual to ceased e- be? effof the ect yearly mortgage insurance premium being paid by Borrower when the insurance lieu of mortgage inapsed Loss reserve a Linmay no be of mortgage
der will accept, use and retain these Paymem as a loss reserve in
insurance coverage (m the amount and for the period that Leader rr ui required, at the option r Lender, if Lender
seam becomes available and is obtained. Borrower shall ? ) Provided to an ntawe approved insurance bender
effect, or to Provide a loss reserve, until the requirement Pay the premiums required d maintain mortgage a any written
in
agreement between Borrower and Lender or applicable law. for mortgage insurance ends in accordance with any written
9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall
give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection.
10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with
ITEM 195013 (9211) Dodd 0000000944
Form 3039 9190 (Vage 3 0f 6 page,)
look 1315, Pace! 604 To Order G9: 1•t00-S9 038OFAX 90 711•
ACCT# 160062997
I C', as
any condemnation signed and shall her other ratans of any part of the property, or for conveyance inl lieu of condemnation
In the event of paid to Lender. are hereby
Instrtme, whether a ntotal takilig ot of wh the property, t' the Proceeds d all be applied to the sums secured by this Security then
due which the lair market value of the Property imymediate Pbbeeftm ? ewer. In the even of a partial taking of the Property in
,ccured he sum ? this SOMUV lnstrusrenc immediately before the Wtmg 18 ? tr n Londe than the of the soma
t
by this Security Instrument shall be reducedd• unless Borrower and Lender otherwise agree in writing,
(manor: (a) the total Amount of the sums secured immediately beby die fore amodie of the proceeds nhe fair r the following divided by
(b) t Properly immediately befte the taking. of shall be paid to )? ? t value of the
Property m which the Pair market the Property immediately bef in the
event of
a partial ore the taking of the
secured immediately before the taking, unless Borrower and Lender otherwise taking is less than the amount of the sum
agree s
otherwise provides, the proceeds shall be applied to the sums secured by this Sec in writing or uNeas applicable law
are then due. Security whether or not the scums
If the Properly is abandoned by Borrower, or if, after notice by Lender to Borrower that the condemnor offers to matte
an award or settle a claim for damages, Borrower fails to
Lender is authorized to collect and apply the proceeds, at respond to 30 is
its optionLeh either r to within restoraation days or r after the date the notice given,
sums secured by dos Security Instrument, whether or not then due. ? of the property or to the
Unless Lender and Borrower otherwise ague in writing, any application of proceeds to principal shall not extend or
Poste Bthewdue er to of the monthly payments referred to in paragraphs 1 and 2 or change the amount of such payments.
modification of er Not R ele sedt, Forbearance secured By Lender Not a Waiver. Extension of the time for payment or
amorfludon of sums by this Security Instrument granted by any successor in interest
of
not be required moPec operate to ? the liability of the original Borrower on-ower Lender successors to
in interest. Lender
otherwise proceedings against any successor in Interest or refuse to extend time for payment or
modify amortization of the sums secured by this Security Instrument by reason of any demand trade by the
original Borrower or Borrower's successors in interest. Any forbearance by lender in exercising any right or remedy shall
not be
12. Successors and a waiver of or preclude the exercise of any right or remedy.
Security Successors shall bind and mod' J? and Several Liability; Co-signers. The covenants and benefit
the
successors
and agraph Perurity 117. Borrower's covenants and agreements chalk bed of Lender and Borrower, subject to the agreements sioonfs of
Instrument but does not execute the. Note: (a) is co-si joint and several. Any Borrower who co-signs this Security
Borrower's interest in the B°? this Security Instrument only to mortgage grant a convey that Prope sums secured by this Security Instrumunder the ent; and c)a this Security Instrument; (b) is not personally obligated to pay the
any
forbear or make ()agree agrees that Lender and any other Borrower may agree to extend, Borrower's cone accommodations with regard to the terms of this Security Instrument or the Note without modify
charges Loan Charges. If the loan secured by thin Security Instrument is subject to a law which sets maximum loan
, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection
with the loan exceed the permitted limits, then: (a) any such loan charge
the charge to the permitted limit; and (b) any sums already collected from Bo shall
Bo be rrower reduced which by the exceeded amount permitt rued limits educe
refunded to Borrower. Lender teachoose to maim this rcfiW ed limits will be
a direct Payment to Borrower. If a refund reduces principal, th by reducing the principal owed rods the Note or by Makirig
prepayment charge under the Note. P 1W. the reduction will be treated as a partial prepayment without
14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by
mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the
Property Address or any other address Borrower designates by notice to Lender. to first class mail to Lender's address stated herein or any other address Lende Any notice is to Ber shall be given is orrower. provided for in this Security Instrument dhall be deemed to have been given to Borrower or Lender when given as provided
in this paragraph.
e
junsdicsio g t w'?v?ty. S-ecuif
---
ry Instrument shall be governed by federal iaw and the law of the
applicable
conflicts with Property is located. In the event that any provision or clause of this Security Instrument or the Note law can be given effect without the CO?It conflict shall not affect other provisions of this Security Instrument or the Note which
declared to be severable.B Provision To this end the provisions of this Security Instrument and the Note are
16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument.
17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the property or any interest
In it is sold or tMuslerred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person)
without Lender's prior written consent , Sender may, at its option, require immediate payment in full of all sums secured b
this Security Instrument. However, thin option shall not be exercised by Lender if exercise is prohibited by federal law as of
the date of this Security Instrument,
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of
not less than 30 days from the date the notice is delivered or mailed within which Borrower must
this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this IUY all sums secured by
remedies permitted by this Security Instrument without further notice or demand on Borrowerriod, Locution may invoke any
18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have
enforcement of this Security Instrument discontinued at any time prior to the earlier oh (a) 5 days (or such other period as
ITEM 199014 (9211) nocld 0000000944
Form 3039 9190 (Mge 4 of 6 pages)
800K 1335 605 To ordsr can ,-sa3aO "o Fez i e 9;Fairing, -I' •
ACCT# 160062997
applicable law may specify for reinstatement) before sale of the Property pursuant to any power of We contained in this
pays Lender all sums w5 then a, ouM be due cu'orcug this under this SecurnY
Security ?' Those conditions are that Borrower: (a) any Security ;irouumcnt, includingdefhult Of
but any limOther enants ited to or l Insument and the Now a if no
(cu ) pays all e xPens . inourred in?leration had
reasonab require to obligati only a sum drat the hen of thin r b? anorneees ys' rwd ('0 Tea such action as?Lender may
this Security Instrument and by tins Security Instrument shall continue w>chan$ed, U gym' and Borrower's
However, this ligation secured here if n ? ? by Borrower,
right to reinstate the shall not apply, in the case of acceleration hall raunder effective as if no acceleration had occurred.
19. Sale of Note; Change of Loan Servieer. The Note or a 1 N
Instmment) may be sold one or More timea without prior notice to Peal rest in the Now
(together with this Security
(lmown as the "Loan Servicer") that collects mouddy, payments Borrower. A sale may result in a change in the entity
due
may be one or more changes of the Loan Serncer a
uthe nder die R and there this is security Instrument. Tbfre also
unrelated to
Borrower will be given written notice of the
change in change of the loan a noti e
will state the name and address Of. the new LServicerr?e with paragraph 14 above and applicable law. The notice
will also contain any other informaon rewired by applicable lawthe . address to which payments should be made. Ile nonce
20• Na'S Sauces. Borrower shall not
Hazardous Substances on or in the cam or permit the Presence. a use. disposal, storage, or release of any
Property that is in vi°lation of any Env
Property. Borrower " ironmental Law. 7be Preceding not do, nor allow allow mono else se to to do, anything the
storage on the Property of small two sentences shall not apply ly d the he presence, use, or
normal residential uses and to quantities of
th Hazardous Substances that are generally recognized to be appropriate
Borrower shall voce of the Property.
to
gove mantel or regulatory give Lender written notice of any investigation, claim, demand, lawsuit or other action by any
Law of which regro?tury Borrower has e? or private party involving the Property and any Hazardous Substanoe or Environmental
Law o actual ltnowleige. If Borrower learns, or is notified by any governmental or regulatory
au"Ori shall ty' that any removal or other remediation of any Hazardous Substance
Ace M dm all necessary remedial actions in accordance with Fmironme Laws Pr0pe is necessary, Borrower affec
this PngrdPh
Environmental Law 20' Hillurdous SubstIMM" are ?subs defined as toxic or hazardous substances by
and
Pesticides and herbicides, the ?wmg ntbsta?s. gasoline, flammable or toxic
toxic
used in this volatile Solvents, Materials containing asbestos or formaldehyde, and radioactive materials. As petroleum paragraph 20' "Bnvirortmennli Law" means federal laws and laws of the jurisdiction where the Pro
located that relate to health, safety or e
NON-UNIFORM COVENANTS. Borrower and perry is
21. Aeceleatioa; Remedies, ?nd ?, sltaB give Lender further covenant and agree as follows:
breach of any eration; a di e L4 this notice to Borrower prior to acceleration following
?eaz applicable law provides otherwise . Lender shallInstr
s
notify Borrower of among macceteIra other things: ° (a) a) the a radef graPh 1 s
the action ped m? rimed to cure the default; (c) when the default must be cured; and (d) default (b)
acceleration of the stars secured by this Security that efailure to nt, foreclosure cure the as
andProceeding t 'a sale of the Property. Lender shall further inform Borrower of m?tuu reinstate after by ju??
a right assert in the foreclosure Proceeding the non-existence of a default right to reinstate after acceleration
acceleration and foreclosure. If the default is not cured as specified, Leader at its option other defense of Borrower
Payment In full of all aums secured by this Security Instrument W may require immediate
re curates provided stns rent byyJJudicial pr u& Lender shall be entitled to collect all r deman me d and may fpuraruse this
extent permitted by ap? ph 21, including, but not limited to, attorneys' fees and incurred costs of title ?je to the
cable law.
22. Release. Upon
payment of all sums secured by this Security Instrument, this Security Instrument and the estate
conveyed shall terminate become void After such Instrument without charge to Borrower. Borrower sha_ll_ ? ?y ?' ?
shall discharge and satisfy this Berettah
23. --Waivers:
recordation r coats.
?p? "
Borrower., tome extent pcrMU4
apphcable law, -. -
Proceedings to enforce this Security Immanent, and hereby waives and releases any error ro defects in
stay of execution, extension of time exemption the benefit of any present or fut ptuc laws
24. Reinstatement Period. xempti°II fitnn attachment, levy and sale, and homestead a Providing for
the commencement of bi Borrower's time to reinstate provided in
Paragraph 18 shall xem extennon.
tiding at a sheriff's sale or other sale td to one hour prior to
23. Purchase Money Mortgage. Pursuant tO this Security Instrument.
acquire tide to the Property, this SecariIns any of the d e secured by this Security Inattnment is lent to Borrower to
26. Interest Rate After Ju ty fitment ?.? a Purchase money mortgage.
the Note or in es action of terndgment. Borrower agrees that the interest rate payable after a
gage foreclosure shall be the rate payable from time to judgment is entered on
time under the Note.
ITEM 195OLS(9211) nocld 0000000944
((?? Form 3039 9190 (Page S ol6Pagej)
aoaK1315ract 6V6 To Order Ga 1-rpp-?1p OF?AXe 9For. 16-79111•
ACCT# 160062997
27. Riders to this Security Instrument. If one or more riders are
this Security Instrument, the covenants and executed by Borrower and recoSupplement the Covenants rded
agreements of each such rider shall be ' riled together with
pplica and agreements of this Security Instrttme? as if the incorporated into and shall amend and
Insutiment. [Check aPpiicable box(w)1 rider(s) wen a part of this Security
XX Adjustable Rate Rider
? Condominium Rider I-4 Family Rider
Graduated Payment Rider ? Planned Unit Development Rider ? Biweekly Payment Rider
Balloon Rider Rate Improvement Rider
Second How Rider
XX Other(s) [sP'*J RIDER TO PARAGRAPH 18 AND ADDENDUM
BY SIGNING BELOW, Borrower ?,lil Security Instrument and in any rider'gees to the terms a? covenants contained pages 1 through 6 of this
Borrower and recorded with it.
Witnesses:
_ (Seal)
Borrower (Seal)
Borrower
- (Seal)
Borrower (Seal)
Borrower
COMMONWEALTH OF PENNSYLVANIA,
/?yy CUMBERLAND Connry ss:
On this, the day of (77 L
the before me, a n
undersigned officer, Personally appeared PAUL A MATTUS
Proven) to be the person whose name i S
that he executed the same for the
Purpose herein contained known to me (or satisfactorily
subscribed to the within ins
Wged
.
IN
WITNESS WHEREOF, I hereunto set my hand and official sea
l. ?0)%
MY Commission. expires:
law o • '?'' t•? : ' fit',:
/l/
CERTIFICATE OF
RESIDENCE I 'um.l5tle»i?Officer
,
do hereby
Y certify that the correct address of the within named lender is
15068, York, PA 17405-7068
101 South George Stre
t
Witness my hand this
day of e
, PO Box
ITEM 1950Le (9211 of u r
1 Docld Ooooo00944
BOOK13??PAGE 6O') Form3039 9190(page6of6pagq)
To Order at 1. Brul LOU DINkIl Fwfm. Im ¦
O.67P930 OFX i19.791.1131
ACCT# 160062997
EXHIBIT •A" TO MORTGAGE OF
PAUL A. MATTUS TO
YORK FEDERAL SAVINGS AND LOAN ASSOCIATION
DATED APRIL 16, 1996
ALL THAT CERTAIN piece or parcel of land, situate in the Township
of Hampden, County of Cumberland, Commonwealth of Pennsylvania more
particularly bounded and described as follows to wit:
BEGINNING at a point on the Western line of Partridge Court at the
dividing line between Lots 7 and '8 as shown on the hereinafter
mentioned plan of lots; thence along the line of Partridge Court
the following 6 courses and distances (1) by a curve to the left
having a radius of 80.0 feet an arc distance of 80.98 feet (2) S.
79° 54' 34" E. 15.00 feet (3) by a curve to the right having a
radius of 15.0 feet an arc distance of 23.56 feet (4) S. 10° 05' 211
W. 20.00 feet (5) by a curve to the right having a radius of 393.0
feet an arc distance of 99.53 feet (6) S. 240 35' 26" W. 30.41 feet
to a point at the North Eastern line of a Pedestrian/Bikeway;
thence along the line of said Pedestrian/Bikeway N. 350 34' 00" W.
a distance of 195.47 feet to a point at the dividing line between
L
ots 7 and 8; thence along the dividing line between Lots 7 and 8
N. 54'
Western2line Oof Partridgea Court, said 5p pfeet to a oint being pthen place the
BEGINNING.
BEING all of Lot 8 as shown on the final subdivision plan of Sleepy
Hollow P.R.D. Phase 1, recorded in Plan Book 55, Page 44.
CONTAINING 0.3831 acres.
THEREON erected a 2 story brick and vinyl sided dwelling known as
514 Partridge Court, Mechanicsburg, PA 17055.
BEING the same premises which Sealover Construction Co., Inc., by
deed dated April 16 1996 and intended to be recorded
immediately previous to this Mortgage in the Office of the
-Cumber].and,County ..Recorder--_of..Deeds,_-granted -and -conveyed- -unto Paul__.
A. Mattus, the mortgagor and borrower herein.
UNDER AND SUBJECT to the Declaration of Covenants and Restrictions
for Sleepy Hollow, which covenants and restrictions are dated
February 16, 1990, and recorded February 21, 1990 in the Cumberland
County Recorder of Deeds Office in Misc. Book 376, Page 567.
BGGK 134 5 PAGE 608
Rider to Paragraph 18
I/We' the undersigned Borrower(s)' do hereby agree that the folio
of the Mortgage/Deed of Trust' executed by me/us this 16 day of Rider to Paragraph 18
be effective in accord with the terms and conditions thereof and shall be deemed to be a
condition of the mortgage/Deed of Trust.
The term "reasonable attorney's fees", as set forth in Paragraph 18 hereof, shall be deemed
to mean Five percent (5%) of the principal due at the time of foreclosure or $300.00, whichever
rs greater. This provision shall be void in the event this Mortgage/Deed of Trust is transferred
to the Federal Home Loan Mortgage Corporation ("Freddie Mac"), or the Federal National
Mortgage Association ("Fannie Mae"), or any other entity utilizing Freddie Mac or Fannie
Mae standards and guidelines as a condition of assignment or transfer.
Y° (SEAL)
BooN13i-piit wq
101 SOUTH GEOCS STREET
P.O. BOX 15068
YORK, PA 17405
ADJUSTABLE RATE NOTE
THIS NOTE CONTAINS A PROVISION ALLOWING FOR CHANGES N
MY INTEREST RATE. IF MY INTEREST RATE INCREASES, MY
MONTHLY PAYMENTS WILL BE HIGHER. IF MY INTEREST RATE
DECREASES, MY MONTHLY PAYMENTS WILL BE LOWER.
HARRICg R _pENNCYIVANiA
14 PARTR G COU T CO s"'•
(PippertyAddnp)?N1C RG 7055
1. BORROWER'S PROMISE TO PAY
In return for a loan that I have received, I promise to
*Principal"), plus intent, to the artier of the Lender. The U.S. $ _214.4000
that the Lender s e Loader is York Federal Saviap and (m amount t called
may transfer this Note. The lender or anyone who takes this Note 6 transfer and ? entitled ? understand e
payments under this Note is calle(l the "Note Holder".
2. INTEREST
Interest will be charged on that part of principal which has not been paid beginning on the date 1 receive principal and
continuing until the full amount of principal has been paid.
I Beginning on the date I receive principal, I will pay interest at a yearly rate of
required by
pay will change in accordance with Section 4 of this Note. The interest rate 7.750 ?. The interest rate that
Note is the rate I will pay both before and after any default described in Section 7(B
) of this Nom Section and Section 4 of this te. 3. PAYMENTS
(A) Time and Place of Payments
I will pay principal and interest by making payments every month.
I will make my monthly payments on the first day of each month beginning on JUNE 1 1996
I will make these payments every month until I have paid all of the
that I may owe under this Note. M Principal and interest and any Principal. charges described below
MAY 1 2026 Y monthly Payments will be app) to interest before If on
which is called the " , I still owe amounts under this Note, I will pay those amounts in full on that date,
I will make my maturity l date "•
y PA 1p yments at _ YORK FEDERAL SAVINGS ANB LOAN ASSN 101 SOUTH GFnQGE
STREET, YORK
, 74
(B) Amount of My Initial Monthly Payments or at a different place if required by Note Holder.
MY initial monthly Payments will be in the amount of U.S. $
1 5 5 9
reflect changes in the interest rate that I must pay. The Note Holder will This amount may change to
Section 4 of this Note, determine my monthly payment in accordance with
4. INTEREST RATE AND MONTHLY PAYMENT CHANGES
(A) Change Dates
The interest rate I will pay may change on the first day of MAY 1997
the month every months thereafter. Each date on which m , and on that day of
Change Date. Y interest rate could change is called an Interest
My monthly payment may change on the first day of JUNE 1997
the month every TWELVE months thereafter. ,and on that day of
Change Date. Each date on which my monthly payment
(B) The Index could change is called a Payment
Beginning with the fast Change Date, my interest rate will be based on The Index is the "Nations( Average
by the Contract Mortgage
Housi Rate for Purchase of Previously Occupied an "Index"- Family Homes Combined by all Major Lenders" published
Current index" . ng Finance Board. The most recent Index figure available as of 45 days before each Change Date is called the
if the index is no longer available, the Note Holder will choose a new index which is based upon comparable information.
The Note-Holder will give me notice of its-choice. _
(C) Calculation of Changes -
Before each Change Date, the Noce Holder will calculate my new interest rate by adding TWO ANTI nNG_HA E
percentage points ( 9 ?n^ %) to the Current Index. The sum will be my new interest rate. M interest changed by more than 1 7 Cn Y terest rate will not
than 6 000000 percentage points on any Change Date. My interest rate will not be changed by more ts over The Note Holder will then determpe eenttagun?t of the he Monthly payment my loan.
I am expected to owe on the Change Date in substantiall y equal Payment that maturity be sufficient a repay st full the principal
of this calculation will be the new amount of MY Monthly payments by the maturity date at my new interest rate. The result
paymen
(D) Effective Date of Changes Y Y
?
My new interest rate will become effective on each Change Date. I willpay the amount of my new monthly paymen
beginning o t the first monthly payment date after the Change Date until the amount of my monthly Payment changes again.
(E) Notice of Changes t
The Note Holder will mail or deliver to me a notice before each Payment Change Date The notice will advise me of.
(i) the new interest rate on my loan as of the Change Date;
(ii) the amount of my new monthly payment following the Change Date;
(m) any additional matters which the Note Holder is required to disclose; and
(iv) the title and telephone number of a person who will answer any question I may have regarding the notice.
DOCId 0000000884
ACCT# 160062997
5:BORROWER'S RIGHT TO PREPAY `
Dave the right to make payments of any "Prepayment". When I make a r tPr I will at antime before they are due. A payment of principal only is known as a
t or a. paarntiial tell the Note Bolder in writing that I am doing so.
I may make a full prepayment or a Prepayment,
prepayment without paying any Penalty. The Note Holder will use all of my
Prepayments to reduce the amount of principal that I owe under this Note. If I snake a partial prepayment, there will be no delays
in the due dates of my monthly payments unless the Note Holder agrees in writing to those delays. My partial prepayment will
reduce the amount of my monthly payments on the first Payment Change Date following my partial prepayment. However, any
reduction due to my partial prepayment may be offset by an interest rate increase
6. LOAN CHARGES
If a law which applies to this loan and which sets maximum loan charges is finally interpreted so that the interest or other loan
charges collected or to be collected in connection with this loan exceed the permitted limits, then: (i) any such loan charge shall
be reduced by the amount necessary to reduce the charge to the permitted limit and (ill) any sums already collected from me which
exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the principal
I owe under this Note or by making a direct payment to me. If a refund reduces principal, the reduction will be treated as a
partial prepayment
7. BORROWER'S FAILURE TO PAY AS REQUIRED
(A) Late Charge for Overdue Payments
If the Note Holder has not received the full amount of any of my monthly payments by the end of 15 calendar days after
the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be S% of my overdue payment
B tpalland interest I will pay this late charge promptly but only once on any late payment
If I do not pay the full amount of each monthly payment on the date it is due, I will be in default
(C) Notice of Default am in a cea7If I date the Note N Note Holder may send me a written notice telling me that if I do not pay the overdue amount by
all the interest that I owe on that may amount. Thame to pay immediately the full t date must be at least 30 derYsnaftertthe of principal which has not been paid and
delivered to me. date on which the nonce is mailed or
(D) No Waiver by Note Holder
Even if, at a time which I am in default, the Note Holder does not require me to pay immediately in full as described
above, the Note Holder will still have the right to do so if I am in default at a later time.
(E) Payment of Note Holder's Costs and Expenses
If the Note Holder has required me to pay immediate) in full as above, rige
to be paid back by me for alt its reasonable costs and ex ses to the extent no p ibited by o applicable law. Those expenses
may include, for example, reasonable attorneys' fees.
8. GIVING OF NOTICES
Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by mailing
it by first class mail or by defivering it to me at the Property Address above or at a different address if I give the Note Holder
a notice of my different address.
Any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note
Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address.
9. OBLIGATIONS OF PERSONS UNDER THIS NOTE
If more than one person signs this Note, each person is fully and
Note, including the promise to pay the full amount owed An
Y person Pa who is a 9o is a obligated surety, keep all of the promises made in this
obligated to do these thin ,? guarantor, uroty, or endorser of this Note is also
Y person who takes over these obligations, including the obligations of a guarantor, surety, or
endorser of this Note, is also obligated to keels all of promises made in this Note. The Note Holder may enforce its rights under
this Note against each person individually or against all of us together. This means drat any one of us may be required to pay
all of the amounts owed under this Note.
10. WAIVERS
I and any other person who has obligations under this Note waive the the rights of presentmeaht and notice of dishonor.
"Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice of dishonor" means the
right to require the Note Holder to give notice to other persons that amounts due have not been paid.
11. THIS NOTE SECURED BY A SECURITY INSTRUMENT
In addition to the protections given to the Note Holder under this Note, a Mortgage, (the "Security Instrume nr) with an Adjustable Rate Rider, dated the same day as this ote, protects the Note Holder from Debt
losses which might result if I do not keep the promises which I make in this Note. That Sec passible
how and under what conditions I may be required to make immediate urity Instrument and Rider describe
Some of those conditions are described as follows: yntcet in full of all amounts that I owe under this Note
Trernsfer of the Property or a Beneficial Interest in Borrower. If all or any pan of the Property or an interest therein is soli
or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's
prior written consent, Lender may at Lender's option, declare all the sums secured by this Security Instrument to be immediately
due and payable. However, this option shall not be exercised by Lender if exma*w_is not authorized by Btxieral law.
"If Leiden exercises su lc i o on to -
14 hereof. Such notice shall p accelerate, lender shall
...........
mail Borrower notice of acceleration in accordance with paragraph
provide a period of not less than 30 days from the date the notice is mailed within which Borrower
may pay the sums declared due. If Borrower fails to pay such sums prior to the expiration of such period; Lender may, without
farther notice or demand on Borrower, invoke any remedies permitted by paragraph 18 hereof.
"Notwithstanding a s%le or transfer, Borrower will continue to be obligated under the Note and this Security Instrument unless
Lender h Born er in writing."
Wi a and and the seal(s) of the undersigned.
wunes L A NATTUS - (Seal)
onower
V (Seal)
onower
onower (Seal)
A-1 Note Margin
(Seal) j
onower
13$4 (]rev. $/91) Doeld 0000000884
(Sign Original Only) ACCT# 160062991
ENCLOSURE FOR YOUR INFORMATIC 7/17/96
Re: Paul A. Hattus; 514 Partridge Court , Mechanicsburg, PA Ours°DaNo.:b: 96-09
17055 Your Fie No.: 160062997
Enclosed lease find Commonwealth Land Title Insurance Company's Loan Policy in
.reference to the above-described transaction.
Please contact us if you have any questlons.
r YORK HORTGAGE CENTER
101 SOUTH GEORGE STREET
TO P.O. BOX 15068
YORK PA 17405-7068
L
to Jams P. Spade taat
LM 0-As
CONNELLY, ROD & SPADE
109 -112 WAUalT STREET
l1?n.?.??.? P.O. Boxes
N?MSaURO, PGNM$y VNMA 17-
S``incerely,
PLUESE, BECKER & SALTZMAN, LLC
ROB SALTZMAN?
RSaltzman(r ;pbslaw, ore
SANFORDJ.BECKER
SBecke?rftbslaw:ora
ROBERT T. PLUESE
RPluesenpbslaw.ora
ROBERT F. THOMAS
RThomas cr pbslaw.ore
Attorneys at Law
20000 HORIZON WAY
SUITE 900
MT. LAUREL, NEW JERSEY 08054-4318
(856) 813-1700
FACSIMILE: (856) 813-1720
PENNSYLVANIA OFFICE:
425 COMMERCE DRIVE, SUITE 100
FORT WASHINGTON, PA. 19034
(215) 546-3205
OF COUNSEL:
Katz, Ettin & Levine, P.C.
The Law Offices of Barbara A. Fein, P.C.
• PA and NJ Bars
Our File #81104
Please reply to:
Mt. Laurel, New Jersey
February 5, 2008
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
This is an official notice that the mortgage on our home is in default and the lender
intends to foreclose. Specific information about the nature of the default is provided in the
attached pages
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM HEMAP ma be able to
help to save vour home This Notice explains how the program works
To see if HEMAP can hel you must MEET WITH A CONSUMER CREDIT
COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take
this Notice with you when you meet with the Counseling Agencv
?Xh Ibtf '1l /'
The name address and hone number of Consumer Credit Counselin A encies servin
your County are listed at the end of this Notice If you have any questions you may call the
Penns lvania Housm Finance Agency toll free at 1-800-342-2397. Persons with im aired
hearing can call (717 780-18691
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_y_our_area. The local_bar._association may be_able_to. helpyouu
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.
HOMEOWNER'S NAME(S): Paul A. Mattus and Pamela S. Mattus
PROPERTY ADDRESS: 514 Partridge Court, Mechanicsburg, PA 17055
LOAN ACCT. NO.: 0356120928
ORIGINAL LENDER: Sovereign Bank
CURRENT LENDER/SERVICER: Sovereign Bank
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR
HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE
PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE
FOR EMERGENCY MORTGAGE ASSISTANCE:
IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND
YOUR CONTROL,
IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR
MORTGAGE PAYMENTS, AND
IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY
THE PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary
stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that
time you must arrange and attend a "face-to-face" meeting with one of the consumer credit
counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR
WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY
MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE
PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT"
EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer
credit counseling agency listed at the end of this notice, the lender may NOT take action against
you for thirty (30) days after the date of this meeting. The names addresses and telephone
numbers of desi nated consumer credit counseling a encies for the coup in which the ro -Pertv
is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face
meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the
reasons set forth later in this Notice (see following pages for specific information about the nature
of your default.) If you have tried and are unable to resolve this problem with the lender, you have
the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance
Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency
Assistance Program Application with one of the designated consumer credit counseling agencies
listed at the end of this Notice. Only consumer credit counseling agencies have applications for
the program and they will assist you in submitting a complete application to the Pennsylvania
Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days
of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF
YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS
LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY
AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE- WILL BE DENIED.
AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited.
They will be disbursed by the Agency under the eligibility criteria established by the Act. The
Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives
your application. During that time, no foreclosure proceedings will be pursued against you if you
have met the time requirements set forth above. You will be notified directly by the Pennsylvania
Housing Finance Agency of its decision on your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION 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.)
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 514 Partridge Court, Mechanicsburg PA 17050:
IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS of $2,172.94 since the June
2007 payment (next payment due is July 1, 2007), to the present and the following amounts are
now past due: $17,3 83.52
Late Charges: $765.00
TOTAL AMOUNT PAST DUE: $20,321.46
B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable):
HOW TO CURE THE DEFAULT --You may cure the default within THIRTY (30) DAYS of
the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER,
WHICH IS $20,321.46, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES
WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made
either by cash, cashier's check, certified check or money order made payable and sent to:
Name of Lender: Sovereign Bank
Address: 601 Penn Street, Reading, PA 19601
You can cure any other default by taking the following action within THIRTY (30) DAYS of the
date of this letter: (Do not use if not applicable.)
YOU DO NOT CURE THE DEFAULT--If you do not cure the default within THIRTY (30)
DAYS of the date of this Notice, the lender intends to exercise its ri hts to accelerate the
n?ortgaLe debt. This means that the entire outstanding balance of this debt will be considered due
immediately and you may lose the chance to pay the mortgage in monthly installments. If full
payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also
intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property
IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by
the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure
the delinquency before the lender 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 attorney's fees actually
incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount
you owe the lender, which may also include other reasonable costs. If you cure the default
within the THIRTY 30 DAY eriod ou will not be re uired to a attorne 's fees.
OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid
principal balance and all other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured
the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you
still have the right to cure the default and prevent the sale at an time u to one hour before the
Sheriffs Sale. You ma do sob a in the total amount then past due lus an late or other
char es then due reasonable attorne 's fees and costs connected with the foreclosure sale and aw
other costs connected with the Sheriffs Sale ass ecified in writin b the lender and b
erformine anv other requirements under the mortgage Curing your default in the manner set
forth in this notice will restore your mortgage to the same position as if you had never
defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that
such a Sheriffs Sale of the mortgaged property could be held would be approximately 6 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: Sovereign Bank
Address: 601 Penn Street, Reading, PA 19601
Phone Number: 800-753-7366
Contact Person: Mortgage Collections Dept.
EFFECT OF SHERIFF'S SALE -- You should realize that a Sheriffs Sale will end your
ownership of the mortgaged property and your right to occupy it. If you continue to live in the
property after the Sheriffs 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 (CHECK ONE) sell or
transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all
the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and
that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE
MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING
INSTITUTION TO PAY OFF THIS DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR
BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO
DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO
NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES
IN ANY CALENDAR YEAR.)
TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE
PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE
DOCUMENTS,
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH
ACTION BY THE LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY
ARE ATTACHED.
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:02 PM
ADAMS County Mon Valley Unemployment Committee
Adams County Interfaith Housing Authority 1800 West Street
40 E High Street 3rd Floor
Gettysburg, PA 17325 Homestead, PA 15120
717.334.1518 412.462.9962
American Red Cross - Hanover Chapter
529 Carlisle Street
Hanover, PA 17331
_717.637.3768...
Nazareth Housing Services
285 Bellevue Road
Pittsburgh, PA 15229
412.931.3510
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
Maranatha
43 Philadelphia Avenue
Waynesboro, PA 17268
717.762.3285
ALLEGHENY County
Acorn Housing of Pittsburgh
5907 Penn Avenue
Suite 300
Pittsburgh, PA 15206
412.441.7240
Action Housing, Inc
425 6th Avenue
Suite 950
Pittsburgh, PA 15219
412.281.2102
800.792.2801
CCCS of Western PA
River Park Commons
2403 Sidney Street, Suite 400
Pittsburgh, PA 15203
888.511.2227
Community Action Southwest
58 East Greene Street
Waynesburg, PA 15370
724.852.2893
Fair Housing Partnership of Greater Pittsburgh, Inc.
2840 Liberty Avenue
Suite 205 -
Pittsburgh, PA 15222
412.391.2535
Garfield Jubilee Associates
5138 Penn Avenue
Pittsburgh, PA 15224
412.665.5200
Neighborhood Housing Services, Inc.
355 Fifth Avenue
Pittsburgh, PA 15222
412.281.9773
Pennsylvania Housing Finance Agency
2275 Swallow Hill Road
Bldg 200
Pittsburgh, PA 15220
412.429.2842
Urban League Of Pittsburgh
Bldg. For Equal Opportunity
One Smithfield St.
Pittsburgh, PA 15222
412.227.4802
ARMSTRONG County
Armstrong County Community Action Agency
124 Armsdale Road
Suite 211
Kittanning, PA 16201
724.548.3405
CCCS of Western PA
Royal Remax Plaza
917 A Logan Boulevard
Altoona, PA 16602
888.511.2227
Indiana Co. Community Action Program
827 Water Street
Box 187
Indiana, PA 15701
724.465.2657
BEAVER County
Action Housing, Inc
425 6th Avenue
Suite 950
Pittsburgh, PA 15219
412.281.2102
800.792.2801
CCCS of Western PA
971 Third Street
Beaver, PA 15009
888.511.2227
Page 1 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:03 PM
Housing Opportunities of Beaver County CCCS of Lehigh Valley
650 Corporation Street 3671 Crescent Court East
Suite 207 Whitehall, PA 18052
Beaver, PA 15009 610.821.4011
724.728.7511
800.837.9815
BEDFORD County Community Action Committee
CCCS of Western PA of the Lehigh Valley
Royal Remax Plaza 1337 East Fifth Street
917 A Logan Boulevard - - - Bethlehem, PA 1.8015
Altoona, PA 16602 610.691.5620
888.511.2227 Neighborhood Housing Services of Readi
Center for Community Services ng
213 N 5th Street
10241 Lincoln Highway Suite 1030
Everett, PA 15537 Reading, PA 19601
814.623.9129 610.372.8433
Huntingdon County Housing Services Schuylkill Community Action
Weatherization Inc. 225 N. Centre Street
917 Mifflin Street Pottsville, PA 17901
Huntingdon, PA 16652 570.622.1995
814.643.2343
877.984.7462 BLAIR County
Keystone Economic Development Corp. Blair County Community Action Agency
1954 Mary Grace Lane 2100 6th Avenue
Suite 102
Johnstown, PA 15901 PO Box 1833
814.535.6556 Altoona, PA 16602
Tableland Services Inc. 814.946.3651
535 East Main Street CCCS of Northeastern PA
Somerset, PA 15501 202 W. Hamilton Avenue
814.445.9628 State College, PA 16801
800.452.0148 814.238.3668
BERKS County 800.922.9537
American Credit Counseling Institute CCCS of Western PA
300 North Pottstown Pike Royal Remax Plaza
Suite 210 917 A Logan Boulevard
Exton, PA 19341 Altoona, PA 16602
888.212.6741 888.511.2227
American Credit Counseling Institute Center for Community Services
937 North Hanover Street 10241 Lincoln Highway
Pottstown, PA 19460 Everett, PA 15537
888.212.6741 814.623.9129
American Financial-Counseling Services Huntingdon County Housing Services
906 Penn Avenue Weatherizat'ion Inc.
Wyomissing, PA 19610 917 Mifflin Street
610.780.0680 Huntingdon, PA 16652
800.490.3039 814.643.2343
877.984.7462
Budget Counseling Center
247 North Fifth Street Keystone Economic Development Corp.
Reading, PA 19601 1954 Mary Grace Lane
610.375.7866 Johnstown, PA 15901
814.535.6556
Page 2 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:03 PM
BRADFORD County
CCCS of Northeastern PA
411 Main Street
Suite 104
Stroudsburg, PA 18360
570.420.8980
800.922.9537
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
The Trehab Center of Northeastern PA
The Enterprise Center
703 S. Elmer Avenue Suite M.6
Sayre, PA 18840
570.888.0412
800.982.4045
American Financial Counseling Services
175 Strafford Avenue, Suite One
Wayne, PA 19087
267.228.7903
800.490.3039
Bucks County Housing Group
200 West Bridge Street
Morrisville, PA 19067
866.866.0280
Bucks County Housing Group
515 West End Boulevard
Quakertown, PA 18951
866.866.0280
Bucks County Housing Group
349 Durham Road
Penndel, PA 19047
866.866.0280
The Trehab Center of Northeastern PA
1225 Main Street
Honesdale, PA 18431
570.253.8941
800.982.4045
BUCKS County
Acorn Housing Corporation
846 North Broad Street
Philadelphia, PA 19130
215.765.1221
American Credit Counseling Institute
300 North Pottstown Pike
Suite 210
Exton, PA 19341
888.212.6741
American Credit Counseling Institute
937 North Hanover Street
Pottstown, PA 19460
888.212.6741
American Credit Counseling Institute
530 West Street Road
Suite 201
Warminster, PA 18974
215.444.9429
888.212.6741
American Credit Counseling Institute
845 Coates Street
Coatesville, PA 19320
888.212.6741
Bucks County Housing Group
2324 Second Street Pike
Suite 17
Wrightstown, PA 18940
866.866.0280
Bucks County Housing Group
470 Old Dublin Pike
Doylestown, PA 18901
866.866.0280
CCCS of Delaware Valley
Catholic Social Services Building
7340 Jackson Street
Philadelphia, PA 19136
215.563.5665
CCCS of Delaware Valley
1230 New Rodgers Road
Suite F1
Bristol, PA 19007
215.563.5665
CCCS of Delaware Valley
1515 Market Street
Suite 1325
Philadelphia, PA 19107
215.563.5665
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610.821.4011
800.837.9815
Credit Counseling Center
832 Second Street Pike
Richboro, PA 18954
215.396.1880
Page 3 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:03 PM
Diversified Community Services
Dixon House
1920 South 20th Street
Philadelphia, PA 19145
215.336.3511
CCCS of Western PA
219.A College Park Plaza
Johnstown, PA 15904
888.511.2227
FOB CDC
1201 West Olney Avenue
Phialdelphia, PA 19141
215.549.8755
Center for Community Services
10241 Lincoln Highway
Everett, PA 15537
814.623.9129
Germantown Settlement Indiana Co. Community Action Program
Water Street
5538 Wayne Avenue 827 Box a 187
Bldg C Indiana, PA 15701
Philadelphia, PA 19144 724.465.2657
215.849.3104
HACE
167 W. Allegheny Avenue
2nd Fl
Philadelphia, PA 19140
215.426.8025
Northwest Counseling Service
5001 North Broad Street
Philadelphia, PA 19141
215.324.7500
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814.535.6556
Tableland Services Inc.
535 East Main Street
Somerset, PA 15501
814.445.9628
800.452.0148
Urban League of Philadelphia
1818 Market Street
20th Floor
Philadelphia, PA 19103
215.561.6070
BUTLER County
Action Housing, Inc
425 6th Avenue
Suite 950
Pittsburgh, PA 15219
412.281.2102
800.792.2801
CCCS of Western PA
Butler County Career Link
Pullman Commerce Center
112 Hollywood Drive
Butler, PA 16001
888.511.2227
CAMBRIA County
CCCS of Western PA
Royal Remax Plaza
917 A Logan Boulevard
Altoona, PA 16602
888.511.2227
The NORCAM Group
4200 Crawford Avenue
Suite 200
Northern Cambria, PA 15714
814.948.4444
CAMERON County
CCCS of Westen PA
The Franklin Center
524 Franklin Avenue
Aliquippa, PA 15001
888.511.2227
Northern Tier Community Action Corp.
P.O. Box 389
135 West 4th Street
Emporium, PA 15834
814.486.1161
CARBON County
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610.821.4011
800.837.9815
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
Page 4 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:03 PM
CCCS of Northeastern PA
411 Main Street
Suite 104
Stroudsburg, PA 18360
570.420.8980
800.922.9537
Comm. on Econ Opportunity of Luzerne County
163 Amber Lane
Wilkes.Barre, PA 18702
570.826.0510
800.822.0359
Community Action Committee
of the Lehigh Valley
1337 East Fifth Street
Bethlehem, PA 18015
610.691.5620
Schuylkill Community Action
225 N. Centre Street
Pottsville, PA 17901
570.622.1995
CENTRE County
CCCS of Northeastern PA
202 W. Hamilton Avenue
State College, PA 16801
814.238.3668
800.922.9537
CCCS of Northeastern PA
201 Basin Street
Suite 6
Williamsport, PA 17701
570.323.6627
800.922.9537
CCCS of Western PA
Royal Remax Plaza
917 A Logan Boulevard
Altoona, PA 16602
888.511.2227
Lycom.Clntn Co Comm to Comm Action
2138 Lincoln Street
P.O. Box 3568
Williamsport, PA 17703
570.326.0587
CHESTER County
Acorn Housing Corporation
846 North Broad Street
Philadelphia, PA 19130
215.765.1221
American Credit Counseling Institute
845 Coates Street
Coatesville, PA 19320
888.212.6741
American Credit Counseling institute
21 South Church Street
West Chester, PA 19380
888.212.6741
American Financial Counseling Services
175 Strafford Avenue, Suite One
Wayne, PA 19087
267.228.7903
800.490.3039
American Red Cross of Chester
1729 Edgemont Avenue
Chester, PA 19013
610.874.1484
APM
2147 North Sixth Street
Philadelphia, PA 19122
215.235.6788
Budget Counseling Center
247 North Fifth Street
Reading, PA 19601
610.375.7866
Carroll Park Community Council, Inc.
5218 Master Street
Philadelphia, PA 19131
215.877.1157
CCCS of Delaware Valley
790 E. Market St.
Suite 170, Marshall Building
West Chester, PA 19382
215.563.5665
Chester Community Improvement Project
412 Avenue of the States
PO Box 541
Chester, PA 19016
610.876.8663
Diversified Community Services
Dixon House
1920 South 20th Street
Philadelphia, PA 19145
215.336.3511
FOB CDC
1201 West Olney Avenue
Phialdelphia, PA 19141
215.549.8755
Page 5 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:03 PM
Germantown Settlement
5538 Wayne Avenue
Bldg C
Philadelphia, PA 19144
215.849.3104
HACE
167 W. Allegheny Avenue
2nd FI
Philadelphia, PA 19140
215.426.8025
Housing Partnership of Chester County
41 West Lancaster Ave
Downingtown, PA 19335
610.518.1522
Media Fellowship House
302 South Jackson Street
Media, PA 19063
610.565.0434
Northwest Counseling Service
5001 North Broad Street
Philadelphia, PA 19141
215.324.7500
Phila Council For Community Advmnt
100 North 17th Street
Suite 600
Philadelphia, PA 19103
215.567.7803
800.930.4663
Tabor Community Services, Inc.
308 E King Street
Suite 1
Lancaster, PA 17602
717.397.5182
800.788.5062
Urban League of Philadelphia
1818 Market Street
20th Floor
Philadelphia, PA 19103
215.561.6070
CLEARFIELD County
CCCS of Northeastern PA
202 W. Hamilton Avenue
State College, PA 16801
814.238.3668
800.922.9537
CCCS of Western PA
Royal Remax Plaza
917 A Logan Boulevard
Altoona, PA 16602
888.511.2227
CCCS of Western PA
219.A College Park Plaza
Johnstown, PA 15904
888.511.2227
CLARION County
CCCS of Western PA
Butler County Career Link
Pullman Commerce Center
112 Hollywood Drive
Butler, PA 16001
888.511.2227
Indiana Co. Community Action Program
827 Water Street
Box 187
Indiana, PA 15701
724.465.2657
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814.535.6556
The NORCAM Group
4200 Crawford Avenue
Suite 200
Northern Cambria, PA 15714
814.948.4444
CLINTON County
CCCS of Northeastern PA
202 W. Hamilton Avenue
State College, PA 16801
814.238.3668
800.922.9537
CCCS of Northeastern PA
201 Basin Street
Suite 6
Williamsport, PA 17701
570.323.6627
800.922.9537
Lycom.Clntn Co Comm to Comm Action
2138 Lincoln Street
P.O. Box 3568
Williamsport, PA 17703
570.326.0587
Page 6 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7112/2006 12:02:03 PM
COLUMBIA County
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
CRAWFORD County
-BookerT. Washington Center
1720 Holland Street
Erie, PA 16503
814.453.5744
CCCS of Western PA
4402 Peach Street
Erie, PA 16509
888.511.2227 ext
108
Center for Family Services, Inc.
213 Center Street
Meadville, PA 16335
814.337.8450
Greater Erie Community Action Committee
18 West 9TH Street
Erie, PA 16501
814.459.4581
Shenango Valley Urban League, Inc.
601 Indiana Avenue
Farrell, PA 16121
724.981.5310
St. Martin Center
1701 Parade Street
Erie, PA 16503
814.452.6113
CUMBERLAND County
Acorn Housing
14 S. 13th Street
Harrisburg, PA 17104
717.213.0150
Adams County Interfaith Housing Authority
40 E High Street
Gettysburg, PA 17325
717.334.1518
CCCS of Western PA
2000 Linglestown Road
Harrisburg. PA 17102
888.511.2227
Community Action Commission of Captial Region
1514 Derry Street
Harrisburg, PA 17104
717.232.9757
Loveship, Inc.
2320 North 5th Street
Harrisburg, PA 17110
717.232.2207
Maranatha
43 Philadelphia Avenue
Waynesboro, PA 17268
717.762.3285
PHFA _ - -
211 North Front Street
Harrisburg, PA 17110
717.780.3940
800.342.2397
DAUPHIN County
Acorn Housing
14 S. 13th Street
Harrisburg, PA 17104
717.213.0150
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
Community Action Commission of Captial Region
1514 Derry Street
Harrisburg, PA 17104
717.232.9757
Loveship,Inc.
2320 North 5th Street
Harrisburg, PA 17110
717.232.2207
PHFA
211 North Front Street
Harrisburg, PA 17110
717.780.3940
800.342.2397
DELAWARE County
Acorn Housing Corporation
846 North Broad Street
Philadelphia, PA 19130
215.765.1221
American Credit Counseling Institute
175 Strafford Avenue
Suite 1
Wayne, PA 19087
610.971.2210
888.212.6741
Page 7 of 18
1
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:03 PM
American Financial Counseling Services
175 Strafford Avenue, Suite One
Wayne, PA 19087
267.228.7903
800.490.3039
American Financial Counseling Services
1 Abington Plaza, Suite 403
Old York Road and Township Line
Jenkintown, PA 19046
267.228.7903
800.490.3039
American Red Cross of Chester
1729 Edgemont Avenue
Chester, PA 19013
610.874.1484
APM
2147 North Sixth Street
Philadelphia, PA 19122
215.235.6788
Carroll Park Community Council, Inc.
5218 Master Street
Philadelphia, PA 19131
215.877.1157
CCCS of Delaware Valley
280 North Providence Road
Media, PA 19063
215.563.5665
CCCS of Delaware Valley
790 E. Market St.
Suite 170, Marshall Building
West Chester, PA 19382
215.563.5665
CCCS of Delaware Valley
1515 Market Street
Suite 1325
Philadelphia, PA 19107
215.563.5665
Chester Community Improvement Project
412 Avenue of the States
PO Box 541
Chester, PA 19016
610.876.8663
Diversified Community Services
Dixon House
1920 South 20th Street
Philadelphia, PA 19145
215.336.3511
FOB CDC
1201 West Olney Avenue
Phialdelphta, PA 19141
215.549.8755
Germantown Settlement
5538 Wayne Avenue
Bldg C
Philadelphia, PA 19144
215.849.3104
HACE
167 W. Allegheny Avenue
2nd FI
Philadelphia, PA 19140
215.426.8025
Housing Partnership of Chester County
41 West Lancaster Ave
Downingtown, PA 19335
610.518.1522
Media Fellowship House
302 South Jackson Street
Media, PA 19063
610.565.0434
Northwest Counseling Service
5001 North Broad Street
Philadelphia, PA 19141
215.324.7500
Phila Council For Community Advmnt
100 North 17th Street
Suite 600
Philadelphia, PA 19103
215.567.7803
800.930.4663
Urban League of Philadelphia
1818 Market Street
20th Floor
Philadelphia, PA 19103
215.561.6070
ELK County
Northern Tier Community Action Corp.
P.O. Box 389
135 West 4th Street
Emporium, PA 15834
814.486.1161
ERIE County
Booker T Washington center
1720 Holland Street
Erie, PA 16503
814.453.5744
CCCS of Western PA
4402 Peach Street
Erie, PA 16509
888.511.2227 ext
108
Page 8 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:04 PM
Greater Erie Community Action Committee
18 West 9TH Street
Erie, PA 16501
814.459.4581
St. Martin Center
1701 Parade Street
Erie, PA 16503
814.452.6113
Voices for Independence
3711 West 12th Street
Erie, PA 16505
800.838.9890
FAYETTE County
American Red Cross - Hanover Chapter
529 Carlisle Street
Hanover, PA 17331
717.637.3768
CCCS of Western PA
Colonial Shopping Center
970 S. George St
York, PA 17403
Action Housing, Inc
425 6th Avenue
Suite 950
Pittsburgh, PA 15219
412.281.2102
800.792.2801
CCCS of Western PA
1 North Gate Square
#2 Garden Center Drive
Greensburg, PA 15601
888.511.2227
Community Action Southwest
58 East Greene Street
Waynesburg, PA 15370
724.852.2893
Fayette Co. Community Action Agency, Inc.
137 North Beeson Avenue
Uniontown, PA 15401
724.437.6050
800.427.INFO
Tableland Services Inc.
535 East Main Street
Somerset, PA 15501
814.445.9628
800.452.0148
FOREST County
Warren-Forest Counties Economic Opportunity Council
1209 Pennsylvania Ave, West
P.O. Box 547
Warren, PA 16365
814.726.2400
FRANKLIN County
Adams County Interfaith Housing Authority
40 E High Street
Gettysburg, PA 17325
717.334.1518
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
Community Action Commission of Captial Region
1514 Derry Street
Harrisburg, PA 17104
717.232.9757
Maranatha
43 Philadelphia Avenue
Waynesboro, PA 17268
717.762.3285
FULTON County
CCCS of Western PA
Colonial Shopping Center
970 S. George St
York, PA 17403
888.511.2227
Center for Community Services
10241 Lincoln Highway
Everett, PA 15537
814.623.9129
Huntingdon County Housing Services
Weatherization Inc.
917 Mifflin Street
Huntingdon, PA 16652
814.643.2343
877.984.7462
Maranatha
43 Philadelphia Avenue
Waynesboro, PA 17268
717.762.3285
GREENE County
Action Housing, Inc
425 6th Avenue
Suite 950
Pittsburgh, PA 15219
412.281.2102
800.792.2801
Page 9 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:04 PM
CCCS of Western PA
1 North Gate Square
#2 Garden Center Drive
Greensburg, PA 15601
888.511.2227
Community Action Southwest
58 East Greene Street
Waynesburg, PA 15370
724.852.2893
HUNTINGDON County
CCCS of Northeastern PA
202 W. Hamilton Avenue
State College, PA 16801
814.238.3668
800.922.9537
CCCS of Western PA
Royal Remax Plaza
917 A Logan Boulevard
Altoona, PA 16602
888.511.2227
Center for Community Services
10241 Lincoln Highway
Everett, PA 15537
814.623.9129
Huntingdon County Housing Services
Weatherization Inc.
917 Mifflin Street
Huntingdon, PA 16652
814.643.2343
877.984.7462
JEFFERSON County
CCCS of Western PA
Butler County Career Link
Pullman Commerce Center
112 Hollywood Drive
Butler, PA 16001
888.511.2227
Indiana Co. Community Action Program
827 Water Street
Box 187
Indiana, PA 15701
724.465.2657
JUNIATA County
CCCS of Northeastern PA
202 W. Hamilton Avenue
State College, PA 16801
814.238.3668
800.922.9537
CCCS of Western PA
Royal Remax Plaza
917 A Logan Boulevard
Altoona, PA 16602
888.511.2227
Huntingdon County Housing Services
Weatherization Inc.
917 Mifflin Street
Huntingdon, PA 16652
814.643.2343
877.984.7462
INDIANA County
CCCS of Western PA
219.A College Park Plaza
Johnstown, PA 15904
888.511.2227
CCCS of Western PA
1 North Gate Square
#2 Garden Center Drive
Greensburg, PA 15601
888.511.2227
Indiana Co. Community Action Program
827 Water Street
Box 187
Indiana, PA 15701
724.465.2657
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814.535.6556
LACKAWANNA County
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
LANCASTER County
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610.821.4011
800.837.9815
CCCS of Western PA
Colonial Shopping Center
970 S. George St
York, PA 17403
888.511.2227
Page 10 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:04 PM
Tabor Community Services, Inc.
308 E King Street Schuylkill Community Action
Suite 1 225 N. Centre Street
Lancaster, PA 17602 Pottsville, PA 17901
717.397.5182 570.622.1995
800.788.5062 LUZERNE County
LAWRENCE County Comm. on Econ Opportunity of Luzerne County
CCCS of Western PA 163 Amber Lane
312 Chestnut Street - Wilkes.Barre, PA 18702
- -
Suite 227 570.826.0510
- -
M d NO
800.822.0359
ea v? e, Pm 16335
888.511.2227
Housing Opportunities of Beaver County
650 Corporation Street
Suite 207
Beaver, PA 15009
724.728.7511
Lawrence County Social Services, Inc.
PO Box 189
241 West Grant Street
New Castle, PA 16103
724.658.7258
724.658.7664
Shenango Valley Urban League, Inc.
601 Indiana Avenue
Farrell, PA 16121
724.981.5310
LEBANON County
Schuylkill Community Action
225 N. Centre Street
Pottsville, PA 17901
570.622.1995
Tabor Community Services, Inc.
308 E King Street
Suite 1
Lancaster, PA 17602
717.397.5182
800.788.5062
LEHIGH County
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610.821.4011
800.837.9815
Community Action Committee
of the Lehigh Valley
1337 East Fifth Street
Bethlehem, PA 18015
610.691.5620
Schuylkill Community Action
225 N. Centre Street
Pottsville, PA 17901
570.622.1995
LYCOMING County
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
CCCS of Northeastern PA
201 Basin Street
Suite 6
Williamsport, PA 17701
570.323.6627
800.922.9537
Lycom.Clntn Co Comm fo Comm Action
2138 Lincoln Street
P.O. Box 3568
Williamsport, PA 17703
570.326.0587
MCKEAN County
Northern Tier Community Action Corp.
P.O. Box 389
135 West 4th Street
Emporium, PA 15834
814.486.1161
MERCER County
CCCS of Western PA
Butler County Career Link
Pullman Commerce Center
112 Hollywood Drive
Butler, PA 16001
888.511.2227
Shenango Valley Urban League, Inc.
601 Indiana Avenue
Farrell, PA 16121
724.981.5310
Page 11 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:04 PM
MIFFLIN County
American Credit Counseling Institute
CCCS of Northeastern PA 528 Dekalb Street
202 W. Hamilton Avenue Norristown, PA 19401
State College, PA 16801 610.971.2210
814.238.3668 888.212.6741
800.922.9537
American Credit Counseling Institute
CCCS of Western PA 530 West Street Road
Royal Remax Plaza Suite 201
917 A Logan Boulevard - _Warminster, PA 18974
Altoona, PA 16602 215.444.9429
888.511.2227 888.212.6741
Huntingdon County Housing Services American Credit Counseling Institute
Weatherization Inc. 845 Coates Street
917 Mifflin Street Coatesville, PA 19320
Huntingdon, PA 16652 888.212.6741
814.643.2343
877.984.7462 American Financial Counseling Services
175 Strafford Avenue, Suite One
MONROE County Wayne, PA 19087
CCCS of Northeastern PA 267.228.7903
800.490.3039
401 Laurel Street
Pittston, PA 18640 American Financial Counseling Services
570.602.2227 1 Abington Plaza, Suite 403
800.922.9537 Old York Road and Township Line
CCCS of Northeastern PA Jenkintown, PA 19046
411 Main Street 267.228.7903
Suite 104 800.490.3039
Stroudsburg, PA 18360 CCCS of Delaware Valley
570.420.8980 1777 Sentry Parkway West
800.922.9537 Suite 200
Community Action Committee Blue Bell, PA 19422
215.563.5665
of the Lehigh Valley
1337 East Fifth Street CCCS of Delaware Valley
Bethlehem, PA 18015 1515 Market Street
610.691.5620 Suite 1325
MONTGOMERY Cou
t Philadelphia, PA 19107
21
n
y 5.563.5665
Acorn Housing Corporation
8 Chester Community Improvement Project
46 North Broad Street 412 Avenue of the States
Philadelphia, PA 19130 PO Box 541
215.765.1221 Chester, PA 19016
American Credit Counseling Institute 610.876.8663
300 North Pottstown Pike - Community Action Development Com
Suite 210 m
CADCOM
Exton, PA 19341 113 E Main St
888.212.6741 Norristown, PA 19401
American Credit Counseling Institute 610.277.6363
937 North Hanover Street Germantown Settlement
Pottstown, PA 19460 5538 Wayne Avenue
888.212.6741 Bldg C
Philadelphia, PA 19144
215.849.3104
Page 12 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:04 PM
Housing Partnership of Chester County
41 West Lancaster Ave
Downingtown, PA 19335
610.518.1522
Media Fellowship House
302 South Jackson Street
Media, PA 19063
610.565.0434
Northwest Counseling SeMv 6
5001 North Broad Street
Philadelphia, PA 19141
215.324.7500
Phila Council For Community Advmnt
100 North 17th Street
Suite 600
Philadelphia, PA 19103
215.567.7803
800.930.4663
MONTOUR County
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
NORTHAMPTON County
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610.821.4011
800.837.9815
Community Action Committee
of the Lehigh Valley
1337 East Fifth Street
Bethlehem, PA 18015
610.691.5620
NORTHUMBERLAND County
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
CCCS of Northeastern PA
201 Basin Street
Suite 6
Williamsport, PA 17701
570.323.6627
800.922.9537
Schuylkill Community Action
225 N. Centre Street
Pottsville, PA 17901
570.622.1995
PERRY County
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
Community Action Commission of Captial Region
1514 Derry Street
Harrisburg, PA 17104
717.232.9757
Huntingdon County Housing Services
Weatherization Inc.
917 Mifflin Street
Huntingdon, PA 16652
814.643.2343
877.984.7462
Loveship, Inc.
2320 North 5th Street
Harrisburg, PA 17110
717.232.2207
Maranatha
43 Philadelphia Avenue
Waynesboro, PA 17268
717.762.3285
PHILADELPHIA County
Acorn Housing Corporation
846 North Broad Street
Philadelphia, PA 19130
215.765.1221
American Credit Counseling Institute
530 West Street Road
Suite 201
Warminster, PA 18974
215.444.9429
888.212.6741
American Credit Counseling institute
845 Coates Street
Coatesville, PA 19320
888.212.6741
American Financial Counseling services
175 Strafford Avenue, Suite One
Wayne, PA 19087
267.228.7903
800.490.3039
Page 13 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/1212006 12:02:04 PM
APM
2147 North Sixth Street HACE
Philadelphia, PA 19122 167 W. Allegheny Avenue
215.235.6788 2nd FI
Philadelphia, PA 19140
Carroll Park Community Council, Inc. 215.426.8025
5218 Master Street
Street
Philadelphia,
19131
Housing Association of Delaware Valley
215.877.1157 1500 Walnut Street
Suite 601
CCCS of Delaware Valley Philadelphia, PA 19102
One Cherry Hill 215.545.6010
Suite 215
Cherry Hill, PA 08002 Housing Association of Delaware Valley
215.563.5665 658 North Watts Street
Philadelphia, PA 19123
CCCS of Delaware Valley 215.978.0224
Catholic Social Services Building
7340 Jackson Street Inercultural Family Services, Inc.
Philadelphia, PA 19136 4225 Chestnut Street
215.563.5665 Philadelphia, PA 19104
215.386.1298
CCCS of Delaware Valley
C
CC
1515
Market Street
Korean Community Development Services Center
Suite 1325 6055 North 5th Street
Philadelphia, PA 19107 Philadelphia, PA 19120
215.563.5665 215.276.8830
Chester Community Improvement Project Liberty
Resources
412 Avenue of the States 1342
North Delaware Avenue
PO Box 541
1 Suite ite 105
Chester, P
19016 Philadelphia, PA 19125
610.876.8663 215.634.2000
Council of Spanish Speaking Organization Mt. Airy, USA
705-09 North Franklin Street 6703 Germantown Avenue
Philadelphia, PA 19123 Suite 200
215.627.3100 Philadelphia, PA 19119
215.844.6021
Diversified Community Services
Dixon House Northwest Counseling Service
1920 South 20th Street 5001 North Broad Street
Philadelphia, PA 19145 Philadelphia, PA 19141
15.336.3511
215.336.3511 215.324.7500
FOB CDC Nueva Esperanza
1201 West Olney Avenue 4261 North 5th Street
Phialdelphia, PA 19141 Philadelphia, PA 19140
215.549.8755 215.324.0746
Frankford CDC Phila Council For Community Advmnt
4625 Frankford Avenue 100 North 17th Street
2nd Floor Suite 600
Philadelphia, PA 19124 Philadelphia, PA 19103
215.743.9201 215.567.7803
800.930.4663
Germantown Settlement
5538 Wayne Avenue Philadelphia Senior Center
Bldg C 509 South Broad Street
Philadelphia, PA 19144 Philadelphia, PA 19147
215.849.3104 215.546.5879
Page 14 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:04 PM
South Philadelphia H.O.M.E.S.
1444 Point Breeze Avenue
Philadelphia, PA 19146
215.334.4430
Southwest Community Development Corporation
6328 Paschall Avenue
Philadelphia, PA 19142
215.729.0800
United Conimunities Southeast Philadelphia
2029 South 81h Street
Philadelphia, PA 19148
215.467.8700
Urban League of Philadelphia
1818 Market Street
20th Floor
Philadelphia, PA 19103
215.561.6070
West Oak Lane CDC
6259 Limekiln Pike
Philadelphia, PA 19141
215.224.0880
PIKE County
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
CCCS of Northeastern PA
411 Main Street
Suite 104
Stroudsburg, PA 18360
570.420.8980
800.922.9537
Comm. on Econ Opportunity of Luzerne County
163 Amber Lane
Wilkes.Barre, PA 18702
570.826.0510
800.822.0359
Schuylkill Community Action
225 N. Centre Street
Pottsville, PA 17901
570.622.1995
SNYDER County
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
Community Action Commission of Captial Region
1514 Derry Street
Harrisburg, PA 17104
717.232.9757
SOMERSET County
CCCS of Western PA
219.A College Park Plaza
Johnstown, PA 15904
888.511.2227
CCCS of Western PA
1 North Gate Square
#2 Garden Center Drive
Greensburg, PA 15601
888.511.2227
Center for Community Services
10241 Lincoln Highway
Everett, PA 15537
814.623.9129
POTTER County
Northern Tier Community Action Corp.
P.O. Box 389
135 West 4th Street
Emporium, PA 15834
814.486.1161
SCHUYLKILL County
Budget Counseling Center
247 North Fifth Street
Reading, PA 19601
610.375.7866
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610.821.4011
800.837.9815
Fayette Co. Community Action Agency, Inc.
137 North Beeson Avenue
Uniontown, PA 15401
724.437.6050
800.427.INFO
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814.535.6556
Tableland Services Inc.
535 East Main Street
Somerset, PA 15501
814.445.9628
800.452.0148
Page 15 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:04 PM
SULLIVAN County
UNION County
CCCS of Northeastern PA
401 Laurel Street CCCS of Northeastern PA
Pittston, PA 18640 401 Laurel Street
570.602.2227 Pittston, PA 18640
800.922.9537 570.602.2227
800.922.9537
The Trehab Center of Northeastern PA
1225 Main Street
Honesdale, PA 18431
570.253.8941
800.982.4045
The Trehab Center of Northeastern PA
German Street
P.O. Box 389
Dushore, PA 18614
570.928.9667
800.982.4045
SUSQUEHANNA County
The Trehab Center of Northeastern PA
1225 Main Street
Honesdale, PA 18431
570.253.8941
800.982.4045
CCCS of Northeastern PA
201 Basin Street
806-6-
Williamsport, PA 17701
570.323.6627
800.922.9537
CCCS of Western PA
Royal Remax Plaza
917 A Logan Boulevard
Altoona, PA 16602
888.511.2227
Lycom.Clntn Co Comm fo Comm Action
2138 Lincoln Street
P.O. Box 3568
Williamsport, PA 17703
570.326.0587
VENANGO County
The Trehab Center of Northeastern PA
10 Public Avenue
PO Box 366
Montrose, PA 18801
570.278.3338
800.982.4045
TIOGA County
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
The Trehab Center of Northeastern PA
144 E. East Avenue
Wellsboro, PA 16901
570.724.5252
800.982.4045
The Trehab Center of Northeastern PA
1225 Main Street
Honesdale, PA 18431
570.253.8941
800.982.4045
CCCS of Western PA
Butler County Career Link
Pullman Commerce Center
112 Hollywood Drive
Butler, PA 16001
888.511.2227
Center for Family Services, Inc.
213 Center Street
Meadville, PA 16335
814.337.8450
Greater Erie Community Action Committee
18 West 9TH Street
Erie, PA 16501
814.459.4581
St. Martin Center
1701 Parade Street
Erie, PA 16503
814.452.6113
WARREN County
Booker T. Washington Center
1720 Holland Street
Erie, PA 16503
814.453.5744
Page 16 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:04 PM
CCCS of Western PA
4402 Peach Street
Erie, PA 16509
888.511.2227 ext
108
Greater Erie Community Action Committee
18 West 9TH Street
Erie, PA 16501
814.459.4581
St. Martin Center
1701 Parade Street
Erie, PA 16503
814.452.6113
WAYNE County
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
CCCS of Northeastern PA
411 Main Street
Suite 104
Stroudsburg, PA 18360
570.420.8980
800.922.9537
Warren-Forest Counties Economic Opportunity Council
1209 Pennsylvania Ave, West
P.O. Box 547
Warren, PA 16365
814.726.2400
WASHINGTON County
Action Housing, Inc
425 6th Avenue
Suite 950
Pittsburgh, PA 15219
412.281.2102
800.792.2801
The Trehab Center of Northeastern PA
1225 Main Street
Honesdale, PA 18431
570.253.8941
800.982.4045
WESTMORELAND County
Action Housing, Inc
425 6th Avenue
Suite 950
Pittsburgh, PA 15219
412.281.2102
800.792.2801
CCCS of Western PA CCCS of Western PA
1 North Gate Square 1 North Gate Square
#2 Garden Center Drive #2 Garden Center Drive
Greensburg, PA 15601 Greensburg, PA 15601
888.511.2227 888.511.2227
CCCS of Western PA Community Action Southwest
41 East Chestnut Street 58 East Greene Street
Washington, PA 15301 Waynesburg, PA 15370
888.511.2227 724.852.2893
Community Action Southwest Indiana Co. Community Action Program
150 West Beau Street 827 Water Street
Suite 304 Box 187
Washington, PA 15301 Indiana, PA 15701
724.225.9550 724.465.2657
Community Action Southwest Keystone Economic Development Corp.
58 East Greene Street 1954 Mary Grace Lane
Waynesburg, PA 15370 Johnstown, PA 15901
724.852.2893 814.535.6556
Mon Valley Unemployment Committee Mon Valley Unemployment Committee
1800 West Street 1800 West Street
3rd Floor 3rd Floor
Homestead, PA 15120 Homestead, PA 15120
412.462.9962 412.462.9962
Page 17 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:05 PM
Tableland Services Inc.
535 East Main Street
Somerset, PA 15501
814.445.9628
800.452.0148
WYOMING County
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
Comm. on Econ Opportunity of Luzerne County
163 Amber Lane
Wilkes.Barre, PA 18702
570.826.0510
800.822.0359
The Trehab Center of Northeastern PA
115 SR 92S
Tunkhannock, PA 18657
570.836.6840
800.982.4045
The Trehab Center of Northeastern PA
1225 Main Street
Honesdale, PA 18431
570.253.8941
800.982.4045
YORK County
Adams County Interfaith Housing Authority
40 E High Street
Gettysburg, PA 17325
717.334.1518
American Red Cross - Hanover Chapter
529 Carlisle Street
Hanover, PA 17331
717.637.3768
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
CCCS of Western PA
Colonial Shopping Center
970 S. George St
York, PA 17403
888.511.2227
Housing Alliance of York
35 South Duke Street
York, PA 17401
717.854.1541
Page 18 of 18
7360 3901 9845 39.35 9666
Tdamela S. Mattus
3810 Market Street
Camp Hill, PA 17011
SENDER: Je
REFERENCE: 81104acts
No Insurance Coverage Provided
Do Not Use for International Mail
7160 3901 9645 3935 9673
4
?amela S. Mattus
5.14 Partridge Court
Mechanicsburg, PA 17055
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SENDER: Je
REFERENCE: 81104
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POSTMARK OR DATE
s/0 ff
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
Date of Notice: October 29, 2007
PAUL A MATTUS
3810 MARKET STREET
CAMP HILL PA 17011
Loan # 0356120928
This is an official notice that the mortgage on our home is in default and the lender intends to
foreclose. Specific information about the nature of the default is provided in the attached pages
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM HEMAP may be able to help to
save your home. This Notice explains how the program works
To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING
AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when
you meet with the Counseling Agency
The name address and hone number of Consumer Credit Counselin Agencies servin our
County are listed at the end of this Notice If you have any questions you may call the Pennsylvania
Housing Finance Agency toll free at 1-800-342-2397 (Persons with impaired hearing can call (717)
780 1869)
This Notice contains important le al information. If ou have an uestions re resentatives at the
Consumer Credit Counselin Agency ma 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.
HOMEOWNER'S NAME(S)
PROPERTY ADDRESS:
LOAN ACCT. NO.:
PAUL A MATTUS
514 PARTRIDGE COURT
MECHANICSBURG PA 17055
0356120928
CURRENT LENDER/SERVICER: Sovereign Bank
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
• IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND
YOUR CONTROL,
• IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY
YOUR MORTGAGE PAYMENTS, AND
• IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED
BY THE PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure
on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a
"face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS
MEETING MUST OCCUR WITHIN THE NEXT 30 DAYS. IF YOU DO NOT APPLY FOR EMERGENCY
MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS
NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR
MORTGAGE UP TO DATE
CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling
agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the
date of this meeting. The names addresses and telephone numbers of designated consumer credit counseling
agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to
schedule one face-to-face meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later
in this Notice (see following pages for specific information about the nature of your default.) If you have tried and
are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the
Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed
Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling
agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the
program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency.
Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY
PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE
ASSISTANCE WILL BE DENIED. - - -
AGENCY ACTION -- Available hinds 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.)
HOW TO CURE YOUR MORTGAGE DEFAULT Brin it u to date).
NATURE OF THE DEFAULT --The MORTGAGE held by Sovereign Bank (hereinafter we, us, or ours) on your
property located at 514 PARTRIDGE COURT, MECHANICSBURG PA 17055, IS SERIOUSLY IN
DEFAULT because YOU HAVE NOT MADE THE MONTHLY PAYMENTS of $2172.94 since 07/01/07 to the
present. The total amount now required to cure this default, or IN other words, get caught up in your payments, as of
the date of this letter, is $9216.76. The total amount includes late charges and any other charges that have accrued
to this date. If you disagree with the assertion that a default has occurred or the correctness of the calculated amount
required to cure the default, contact:
SOVEREIGN BANK OVERNIGHT DELIVERY:
MORTGAGE COLLECTIONS DEPARTMENT
PO BOX 8627 OR 601 PENN STREET
READING PA 19603 READING, PA 19601
1-800-753-7366
HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (30) DAYS of the date of this
notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $9216.76, PLUS
ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)
DAY PERIOD. Payments must be made either b cash cashier's check certified check or money order made
payable to Sovereign Bank and sent to the above address
IF YOU DO NOT CURE THE DEFAULT-If you do not cure the default within THIRTY (30) DAYS of the
date of this Notice, the lender intends to exercise its rights to accelerate the mort a e debt. This means that the
entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the
mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30)
DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged
ro ert .
IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off
the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender
begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were
actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all
reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be
added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default
within the THIRTY (30) DAY period you will not be required to pay attorney's fees.
OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all
other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within
the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default
and prevent the sale at an time u to one hour before the Sheriff's Sale. You may do sob paying the total amount
then past due plus an late or other charges then due reasonable attorney's fees and costs connected with the
foreclosure sale and an other costs connected with the Sheriffs Sale as s ecified in writin b the lender and b
performing an other requirements under the mortgage. Curing your default in the manner set forth in this
notice will restore your mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale
of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A
notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to
cure the default will increase the longer you wait. You may find out at any time exactly what the required payment
or action will be by contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender: SOVEREIGN BANK
Address: PO BOX 8627, READING PA 19603
Phone Numfier: 1-800-753-7366
Fax Number: 1-800-881-9334
Contact Person: Constance M. Cocroft, Vice President
EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the
mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a
lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE - You may have the right to sell or transfer your home to a buyer or transferee
who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and
costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO
CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.)
TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR
ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS,
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE
LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (SEE ENCLOSURE)
You may contact our Mortgage Services Department via E-mail at:
MORTSERV0,SOVEREIGNBANK COM
This bank is a debt collector attempting to collect a debt and any information obtained from you will be used for that
purpose.
HOUSING AND URBAN DEVELOPMENT "HUD" NOTIFICATION
IMPORTANT NOTICE OF THE HOUSING AND COMMUNITY DEVELOPMENT ACT OF 1987
PLEASE READ THIS NOTICE. HOMEOWNERSHIP COUNSELING MAY BE AVAILABLE TO YOU.
DATE: October 29, 2007
TO: PAUL A MATTUS
RE: Account No. 0356120928
FROM: Sovereign Bank
The Housing and Community Development Act of 1987 requires that Sovereign Bank notify eligible homeowners with delinquent
home loans of the availability of homeownership counseling. Because your home loan is DELINQUENT, you may be eligible for
homeownership counseling provided by certain non-profit organizations.
PLEASE CALL THE HUD TOLL FREE NUMBER AT
1-800-569-4287
FOR MORE INFORMATION.
If you have any questions about your home loan you may call or write to Sovereign Bank at:
MORTGAGE COLLECTIONS DEPARTMENT
SOVEREIGN BANK
PO BOX 8627
READING PA 19603
1-800-753-7366
Constance M. Cocroft
Vice President
' PENNSYLVANIA HOUSING FINANCE AGENCY
HOMEOW NF 'EMERGENCY MORTGAGE ASSISTAr PROGRAM
CONSUMER CREDIT COUNSELING AGENCIES
ADAMS COUNTY
American Red Cross - Hanover Chapter ARMSTRONG COUNTY
CCCS of Western PA
Inc
1
ri
t
Office
529 Carlisle Street
,
.
217 East Plank Road in
r
9 91
7 7 Mullin Street i S
Hanover, PA 17331
Altoona
PA 16602 Huntingdon, PA 16652
717-637-3768 ,
814-944-8100,814-944-5747 814-643-2343
FAX 717-637-3294
Credit Counselors of PA CCCS of Western PA, Inc.
Financial Counseling Services of Franklin
401 Wood Street Suite 906 217 E. Plank Road
31 West 3`d Street
Pittsburgh
PA 15222 Altoona, PA 16602
Waynesboro, PA 17268
717-762-3285 ,
412-338-9954,800-737-2933 814-944-8100
FAX 814-944-5747
FAX 412-338-9963
CCCS of Western PA
2000 Linglestown Road
Indiana Co. Community Action Program Tableland Services, Inc.
535 East Main Street
Harrisburg, PA 17102 827 Water Street, Box 187
Indiana
PA 15701
Somerset, PA 15501
717-541-1757 ,
724-465-2657 814-445-9628, 800-452-0148
717-541-4670
FAX 724-465-5118 FAX 814-443-3690
Adams County Housing Authority
139-143 Carlisle Street
Gettysburg, PA 17325
717-334-1518, FAX 717-334-8326
ALLEGHENY COUNTY
Pennsylvania Housing Finance Agency
2275 Swallow Hill Road, Bldg. 200
Pittsburgh, PA 15220
412-429-2842, FAX 412-429-2835
Action Housing Inc.
425 6`h Avenue, Suite 950
Pittsburgh, PA 15219
412-391-1956,412-281-2102,
800-792-2801, FAX 412-391-4512
CCCS of Western PA, Inc.
309 Smithfield Street
Pittsburgh, PA 15222
412-471-7584
Urban League of Pittsburgh
Bldg. for Equal Opportunity
One Smithfield Street
Pittsburgh, PA 15222
412-227-4802, FAX 412-261
BEAVER COUNTY
Action Housing, Inc.
4256 1h Avenue, Suite 950
Pittsburgh, PA 15219
412-391-1956
FAX 412-391-4512
Housing Opportunities of Beaver Co, Inc.
650 Corporation Street, Suite 207
Beaver, PA 15009
724-723-7511
Credit Counselors of PA
401 Wood Street, Suite 906
Pittsburgh, PA 15222
412-338-9954,800-737-2933
FAX 412-338-9963
CCCS of Western PA, Inc.
971 3`d Street
Beaver, PA 15009
724-774-0798
Mon-Valley Unemployed Committee
120 E. 9`h Avenue
Homestead, PA 15120
5207 412-462-9964,412-462-9962
Mon-Valley Unemployed Committee
120 E. 9`h Avenue
Homestead, PA 15120
412-462-9962
Credit Counselors of PA
401 Wood Street, Suite 906
Pittsburgh, PA 15222
412-338-9954,800-737-2933
FAX 412-338-9963
Community Action Southwest
22 West High Street
Waynesburg, PA 15370
724-852-2893
Housing Opportunities
133 Seventh Street, PO Box 9
McKeesport, PA 15132
412-664-1906
FAX 412-664-0873
Housing Opportunities, Inc.
133 7`h Street, PO Box 9
McKeesport, PA 15134
412-664-1906 FAX 412-664-0873
BEDFORD COUNTY
Bedford-Fulton Housing Services
10241 Lincoln Highway
Everett, PA 15537
814-623-9129 FAX 814-623-7187
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
BERKSCOUNTY
Budget Counseling Center
247 North Fifth Street
Reading, PA 19601
610-375-7866
FAX 610-375-7830
EOC of Schuylkill County
225 N. Centre Street
Pottsville, PA 17901
717-622-1995
FAX 717-622-0429
CCCS Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610-821-4011, 800-220-2733 (814) only
FAX 610-821-8932
Community Housing Counselors, Inc.
PO Box 244
Kennett Square, PA 19348
610-444-3682
FAX 610-444-8243
BLAIR COUNTY
Bedford-Fulton Housing Services
RD I Box 384
Everett, PA 15537
814-623-9129
FAX 814-623-7187
CCCS of Western PA, Inc.
217 East Plank Road
Altoona, PA 16602
814-944-8100,814-944-5747
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
CARBON COUNTY
EOC'of-Schuylkill County
225 North Center Street
Pottsville, PA 17901
570-622-1995
FAX 570-622-0429
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610-821-4011,800-220-2733
717 and 814 only for 800
FAX 610-821-013,7.
CCCS of Northeastern PA
1400 Abington Executive Park, Suite 1
Clarks Summitt, PA 18411
570-587-9163,800-922-9537
FAX 570-587-9134/9135
CCCS of Northeastern PA
31 W Market Street
Wilkes-Barre, PA 18702
570-821-0837,800-922-9537
FAX 570-821-1785
CCCS of Northeastern PA
9 South 7`h Street
Stroudsburg, PA 18360
570-420-8980,800-922-9537
FAX 570-420-8981
CCCS of Northeastern PA
1631 S Atherton Street, Suite 100
State College, PA 16801
814-238-3668
FAX 814-238-3669
CEO of Luzerne County
163 Amber Lane
Wilkes-Barre, PA 18702
570-826-0510,800-822-0359
FAX 570-829-1665 - CALL FIRST
570-455-4994 Hazleton
FAX 570-455-5631 - CALLFIRST
570-836-4090 Tunkhannock
CENTRE COUNTY
CCCS of Western PA, Inc.
217 East Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
Lycoming-Clinton Co STEP
2138 Lincoln Street, PO Box 1328
Williamsport, PA 17703
570-326-0587
FAX 570-322-2197
CCCS of Northeastern PA
1631 S Atherton Street, Suite 100
State College, PA 16801
814-238-3668
FAX 814-238-3669
CCCS of Northeastern PA
201 Basis Street
Williamsport, PA 17703
570-323-6627
FAX 570-323-6626
CHESTER COUNTY
Acorn Housing Corporation
846 North Broad Street
Philadelphia, PA 19130
215-765-1221
FAX 215-765-1427
Budget Counseling Center
247 North Fifth Street
Reading, PA 19601
610-375-7866
FAX 215-375-7830
HACE
167 W. Allegheny Avenue, 2nd Floor
Philadelphia, PA 19140
215-426-8025
FAX 215-426-9122
Media Fellowship House
302 S. Jackson Street
Media, PA 19063
610-565-0846
FAX 610-565-8567
Tabor Community Services, Inc.
439 East King Street
Lancaster, PA 17602
717-397-5182, 800-788-5062 (H. 0. only)
FAX 717-3994127
American Red Cross of Chester
1729 Edgemont Avenue
Chester, PA 19013
610-874-1484
Northwest Counseling Services
5001 N. Broad Street
Philadelphia, PA 19141
215-324-7500
FAX 215-324-8753
CCCS of Delaware Valley
1515 Market Street, Suite 1325
Philadelphia, PA 19107
215-563-5665
FAX 215-563-7020
Community Housing Counseling Inc.
PO Box 244
Kennett Square, PA 19348
610-444-3682
FAX 610-444-8243
Philadelphia Council for Community Adv
100 North 17`h Street, Suite 600
Philadelphia, PA 19103
215-567-7803
FAX 215-963-9941
CDC of Frankford Group Ministry
4620 Griscom Street
Philadelphia, PA 19124
215-744-2990
FAX 215-744-2012
CCCS of Delaware Valley
Marshall Building
790 E Market Street, Suite 215
West Chester, PA 19382
215-563-5665
P °rican CCI
:oates Street
Coatesville, PA 19320
888-212-6741
American CCI
144 E Dekalb Pike
King of Prussia, PA 19406
610-971-2210
FAX 610-265-4814
American CCI
755 York Road, Suite 103
Warminster, PA 18974
215-444-9429
FAX 215-956-6344
CLARION COUNTY
CCCS of Western Pennsylvania, Inc.
YMCA Building, 339 N Washington Street
Butler, PA 16001
412-282-7812
CLEARFIELD COUNTY
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Indiana Co. CAP
827 Water Sheet, Box 187
Indiana, PA 15701
724-465-2657
FAX 724-465-51 18
CCCS of Western PA, Inc.
217 E Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
CCCS of Northeastern PA
1631 S Atherton Sheet, Suite 100
State College, PA 16801
814-238-3668
FAX 814-238-3669
CCCS of Western PA
219-A College Park Plaza
Johnstown, PA 15904
814-539-6335
CLINTON COUNTY
Lycoming-Clinton Counties STEP
2138 Lincoln Street, PO Box 1328
Williamsport, PA 17703
570-326-0587
FAX 570-322-2197
CCCS of Northeastern PA
201 Basin Street
Williamsport, PA 17703
570-323-6627
FAX 570-323-6626
1631 S Atherton Street, Suite 100
State College, PA 16801
814-238-3668
FAX 814-238-3669
r FAYETTE COUNTY
Action Housing Inc. Financial Services Unlimited
31 West 3?d St Y"VTINGDON COUNTY
`h
425 6 Avenue, Suite 950 reet
Waynesboro
PA 17268 I )rd-Fulton Housing Services
Pittsburgh, PA 15219 ,
717-762-3285 RD], Box 384
412-391-1956,412-281-2102 Everett, PA 15537
FAX 412-391-4512
CCCS of Western PA, Inc. 814-623-9129
FAX 814-623-7187
912 South George Street
Mon Valley Unemployed Committee
120 East 9'h Avenue York, PA 17403 Weatherization Office
Homestead, PA 15120 717-846-4176 917 Mifflin Street
412-462-9962
YWCA of Carlisle Huntingdon, PA 16652
301 G Street 814-643-2343
Tableland Services, Inc
131 North Center Avenue Carlisle, PA 17013 CCCS of Western -RA
Inc.
Somerset, Pa 15501 717-243-3818
FAX 717-243-3948 ,
217 E. Plank Road
814-445-9628 Altoona, PA 16602
FAX 814-443-3690
American Red Cross-Hanover Chapter 814-944-8100
FAX 814-944-5747
CCCS of Western PA, Inc 529 Carlisle Street
Hanover
PA 17331
1 North Gate Square ,
717-637-3768 INDIANA COUNTY
2 Garden Center Drive
FAX 717-637-3294 CCCS OFWestern PA, Inc.
Greensburg, PA 15601 1 North Gate Square
724-838-1290
FULTON COUNTY 2 Garden Center Drive
Community Action Southwest
Bedford-Fulton Housing Services Greensburg, PA IS601
724-838-1290
22 West High Street RD 1, Box 384
Everett
PA 15537
Waynesburg, PA 15370 ,
814-623-9129 Keystone Economic Development Corp.
724-852-2893
FAX 814-323-7187 1954 Mary Grace Lane
Johnstown, PA 15901
Fayette Co Community Action A enc
y g y
CCCS of Western PA
Inc 814-535-6556
137 North Beeson Avenue ,
.
912 South George Street FAX 814-539-1688
Uniontown, PA 15401
724-437-6050
800-427-INFO York, PA 17403
Indiana County CAP
,
FAX 724-437-4418 717-846-4176 827 Water Street, PO Box 187
CCCS of Western PA
Financial Counseling Services of Franklin
d Indiana, PA 15701
724-465-2657
199 Edison Street 31 West 3`
Street
Waynesboro
PA 17268
FAX 724-465-51 18
Uniontown, Pa 15401
724-439-8939 ,
717-762-3285
CCCS of Western PA
Weatherization Office 219-A College Park Plaza
FOREST COUNTY
917 Mifflin Street Johnstown, PA 15904
Warren-Forest CEOC
Huntingdon
PA 16652 814-539 6335
204 Liberty Street, PO Box 547 ,
814-643-2343
Warren,
Warren, PA 16365
A 1 JEFFERSON COUNTY
814-72-2400
6
GREENE COUNTY John F. Kennedy Center, Inc.
h
FAX 814-723-0510
Action Housing
Inc 2021 East 201
Street
,
.
425 6`h Avenue
Suite 950
Erie, PA 16510
FRANKLIN COUNTY ,
Pittsburgh
PA 15219 814-898-0400
Adams County Housing Authority ,
412-391-1956
412-281-2102 FAX 814-898-1243
139-143 Carlisle Street ,
.
FAX 412-391-4512
Gettysburg, PA 17325 Indiana County CAP
717-334-1518
Community Action Southwest 827 Water Street, Box 187
FAX 717-334-8326
22 West High Street Indiana, PA 15701
CCCS of Western PA
Waynesburg, PA 15370 724-465-2657
FAX 724-465-5118
2000 Linglestown Road 724-852-2893
FAX 724-627-7713
Harrisburg, PA 17102
H
arris
P -
- -CCCS of Western PA, Inc.
717-54-1757
1
Mon-Valley Unemployed Committee
YMCA Building, 339 North Washington Street
FAX 717-541-4670
120 East 9 Avenue Butler, PA 16001
Homestead
PA 15120 724-282-7812
Urban League of Metropolitan Harrisburg ,
412-462-9962
2107 N 6'h Street
r
FAX 412-462-9964 JUNIATA COUNTY
Harrisburg,
17101 CCCS of Western PA, Inc.
717-234-5925
CCCS of Western PA
Inc 217 E. Plank Road
FAX 717-234-9459 ,
.
1 North Gate Square Altoona, PA 16602
CAC of the Capital Region
2 Garden Center Drive 814-944-8100
FAX 814-944-S747
1514 Derry Street Greensburg, PA 15601
Harrisburg, PA 17104
P 724-838-1290
Weatherization Office
717-23
2
-975 917 Mifflin Street
FAX 7
17-234
-2227 Huntingdon, PA 16652
814-643-2343
Northwest Counseling Service
5001'N?Broad Street NORTHUMBERLAND N `hwest Counseling Service
Philadelphia, PA 19141 CCCS of Northeastern PA
31 W Market Street, PO Box 1127 N Broad Street
215-324-7500
Wilkes-Barre, PA 18702 Philadelphia, PA 19141
215-324-7500
FAX 215-324-8753 570-821-0837,800-922-9537 FAX 215-324-8753
Community Action Development Comm FAX 570-821-1785
113 East Main Street
Norristown
PA 19401
CCCS of Northeastern PA CCCS of Delaware Valley
1515 Market Street, Suite 1325
,
610-277-6363 1400 Abington Executive Park, Suite 1 Philadelphia, PA 19107
FAX 610-277-2123 Clarks Summitt, PA 18411
570-587-9163
800-922-9537 215-563-5665
,
FAX 570-587-9134/9135 FAX 215-864-2666
Community Housing-Counselors Inc.
PO Box 244
Kennett Square
PA 19348
CCCS of Northeastern PA HACE
167 W Allegheny, 2"d floor
,
215-444-3682 201 Basin Street
Williamsport
PA 17703 Philadelphia, PA 19140
FAX 215-444-8243 ,
570-323-6627 215-426-8025
FAX 215-426-9122
Media Fellowship House FAX 570-323-6626
302 S. Jackson Street
EOC of Schuylkill County Media Fellowship House
3
Media, PA 19063
610-565-0846
225 North Centre Street 02 S Jackson Street
Media., PA 19063
FAX 610-565-8567 Pottsville, PA 17901
570-622-1995 610-565-0846
FAX 570-62270429 FAX 610-565-8567
American Credit Counseling Institute
845 Coates Street
Coatesville
PA 19320
PERRY COUNTY PCCA
100 N 17" Street, Suite 500
,
888-212-6741 CCCS of Western PA, Inc. Philadelphia, PA 19103
2000 Linglestown Road 215-567-7803
Phila. Council For Community Advmnt Harrisburg, PA 17102
717-541-1757 FAX 215-963-9941
100 North 17" Street Suite 600
Philadelphia, PA 19103 FAX 717-541-4670
CCCS of DelawareValley
215-56 FAX 2 7-7803
3-994 I
Urban league of Metro Harrisburg One Chery Hill, Suite 215
Cherry Hill
NJ 08002
2107 North 6 Street ,
215-563-5665
American Credit Counseling Institute Harrisburg, PA 17101
717-234-5925
144 E Dekalb Pike
FAX 717-234-9459 Housing Assoc. of Delaware Valley
King of Prussia, PA 19406 1500 Walnut Street, Suite 501
610-971-2210
YWCA of Carlisle Philadelphia, PA 19102
FAX 610-265-4814
301 G Street 215-545-6010
Carlisle
PA 17013 FAX 215-790-9132
American Credit Counseling Institute ,
717-243-3818
755 York Road, Suite 103
FAX 717-243-3948 Housing Assoc. of Delaware Valley
Warminster, PA 18974 658 North Watts Street
215-444-9429
FAX 215-956-6344
Financial Counseling Services of Franklin Philadelphia, PA 19123
215-978-0224
31 West 3`d Street
FAX 215-765-7614
MONTOUR COUNTY Waynesboro, PA 17268
CCCS of Northeastern PA 717-762-3285 Community Devel. Corp of Frankford
31 W. Market Street, PO Box 1127
Weatherization Office Croup Ministry
Wilkes-Barre, PA 18702
917 Mifflin Street 4620 Griscom Street
570- 821-0837, 800-922-9537
Huntingdon
PA 16652 Philadelphia, PA 19124
FAX 570-821-1785 ,
814-643-2343 215-744-2990
FAX 215-744-2012
CCCS of Northeastern PA CAC of the Capital Region
1400 Abington Executive Park, Suite 1 151.4 Deny.Stre
eet American Credit Counseling Institute
Clarks Summitt, PA 18411
Harrisburg
PA 17104 845 Coates Street
570-587-9163, 800-922-9537 ,
2-9757 Coatesville, PA 19320.
FAX 570-587-9134/9135 FAX 7
FAX 717-234-2227 888-212-6741
NORTHHAMPTON COUNTY
PHILADELPHIA COUNTY American Credit Counseling Institute
CCCS of Lehigh Valley
Acorn Housing Corporation oration
g tr 144 E Dekalb Pike
3671 Crescent Court East
846 North Broad Street King of Prussia, PA 19406
Whitehall, PA 18052
Philadelphia
PA 19130 610-971-2210
610-821-4011 ,
215
-765-1221 FAX 610-265-4814
800-220-2733 717 and 814 ONLY FAX 215-765-1427
FAX 610-821-8932 American Credit Counseling Institute
755 York Road, suite 103
Warminster, PA 18974
215-444-9429
FAX 215-956-6344
17 Craf;on Street
` Welfsboro
PA 16901 WARREN COUNTY 31 'Vest Market Street
,
570-724-5252 3ooker T. Washington Center I ?s-Barre, PA 18702
FAX 570-724-5783 1720 Holland Street
Erie
PA 16503 570-821-0837, 800-922-9537
, FAX 570-821-1785
814-453-5744
103 Warren Street, PO Box 709
Tunkhannock,PA 18657 FAX 814-453-5749 The Trehab of NE PA
570-836-6840
FAX 570-836-6332 Greater Erie CAC
18 W
9`h S 185 Elmira Street, PO Box 218
est
treet Troy, PA 16947
German Street, PO Box 389 Erie, PA 16501
814-4594581 570-297-2101
Dushore, PA 18614
FAX 814-456-0161 FAX 570-297-2799
570-928-9668
96
FAX 570
8-8144
Warren-Forrest Counties EOC 17 Crafton Street --
Wellsboro, PA 16901
931 Main Street 1209 Pennsylvania Avenue, West 570-724-5252
Honesdale, PA 18431 PO Box 547
Warren, PA 16365 FAX 570-724-5783
570-253-8941
FAX 570-253-4817 814-726-2400 103 Warren Street, PO Box 709
FAX 814-723-0510 Tunkhannock, PA 18657
7 Lake Avenue, Box 339
Montrose
PA 18801
WASHINGTON COUNTY 570-836-6840
FAX 570-836-6332
,
570-278-3338, 800-982-4045 Action Housing, Inc.
425 6`h Avenue
Suite 950
FAX 570-278-1889 ,
Pittsburgh
PA 15219 German Street, PO Box 389
UNION COUNTY ,
412-391-1956,412-281-2102 Dushore, PA 18614
570-928-9668
Lycoming-Clinton County STEP FAX 412-391-4512 FAX 570-928-8144
2138 Lincoln Street, PO Box 1328
Williamsport
PA 17703 CCCS of Western PA, Inc.
931 Main Street
,
570-326-0587 1 North Gate Square
2 Garden Center Drive Honesdale, PA 18431
FAX 570-322-2197
Greensburg, PA 15601 570-253-8941
FAX 570-253-4817
CCCS of Western Pennsylvania, Inc. 724-838-1290
217 East Plank Road
Housing Opportunities
Inc WESTMORELAND COUNTY
Altoona, PA 16602 ,
.
133 Seventh Street Action Housing, Inc.
4256 1h A
814-944-8100
FAX 814-944-5747
McKeesport, PA 15132 venue, Suite 950
Pittsburgh, PA 15219
412-664-1590 412-391-1956
412-281-2102
CCCS of Northeastern Pennsylvania FAX 412-664-0873 ,
Credit Counselors of PA Community Action Southwest
31 W. Market Street, PO Box 1 127
401 Wood Street
Suite 906 22 West High Street
Wilkes-Barre, PA 18702 ,
Pittsburgh
PA 15222 Waynesburg, PA 15370
570-821-0837,800-922-9537 ,
412-338-9954
800-737-2933 724-852-2893
FAX 570-821-1785 ,
FAX 412-338-9963
CCCS of Western PA, Inc.
1400 Abington Executive Park, Suite 1
Community Action Southwest 1 North Gate Square
Clarks Summitt, PA 18411
22 West High Street 2 Garden Center Drive
570-587-9163,800-922-9537
Waynesburg
PA 15370 Greensburg, 15601
FAX 570-587-9134/9135 ,
724-852-2893 724-838-1290 0
201 Basin Street
53 N. College Street Housing Opportunities, Inc.
Williamsport, PA 17703
Washington
PA 15301 133 Seventh Street
570-323-6627 ,
724-222-8292 McKeesport, PA 15132
FAX 570-323-6626 412-664-1590
VENANGO COUNTY Mon-Valley Unemployed Committee
h FAX 412-664-0873
Greater Erie Community Action Committee
h 120 East 9`
Avenue
Homestead
PA 15120
Keystone Economic Dever. Corporation
18 West 9`
Street ,
412-462-9962 1954 Mary Grace Lane
Erie, PA 16501
FAX 412-462-9964 Johnstown, PA 15901
814-459-4581 814 535 6556
FAX 814-456-0161 WAYNE COUNTY FAX 814-539-1688
CCCS of Western Pennsylvania, Inc. CCCS of Northeastern PA Tableland Services Inc.
339 N. Washington Street
YMCA Bld 535 East Main Street
,
g.
Butler
PA 16001 1400 Abington Executive Park, Suite 1 Somerset, PA 15501
,
412-282- 7812 Clarks Summitt, PA 18411 814-445-9628
800-452-0148
570-587-9163,800-922-9537 ,
FAX 814-443-3690
John F. Kennedy Center, Inc. FAX 570-587-9134/9135
2021 East 20th Street ch
9 South 7 Street 199 Edison Street
Erie, PA 16510
Stroudsburg
PA 18360 Uniontown, PA 15401
814-898-0400, FAX 814-898-1243 ,
570-420-8980, FAX 570-420-8981 724-439-8939
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
Date of Notice: October 29, 2007
PAUL A MATTUS
514 PARTRIDGE COURT
MECHANICSBURG PA 17055
Loan # 0356120928
This is an official notice that the mortgage on your home is in default and the lender intends to
foreclose. Specific information about the nature of the default is provided in the attached pages
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to
save your home. This Notice explains how the program works
To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING
AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when
you meet with the Counseling Agency.
The name, address and phone number of Consumer Credit Counseling Agencies serving your
County are listed at the end of this Notice If you have any questions you may call the Pennsylvania
Housing Finance Agency toll free at 1-800-342-2397 (Persons with impaired hearing can call (717)
780-1869).
This Notice contains important legal information If you have any questions representatives at the
Consumer Credit Counseling Agency may be able to help explain it You may also want to contact
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.
HOMEOWNER'S NAME(S): PAUL A MATTUS
PROPERTY ADDRESS: 514 PARTRIDGE COURT
MECHANICSBURG PA 17055
LOAN ACCT. NO.: 0356120928
CURRENT LENDER/SERVICER: Sovereign Bank
i
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
• IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND
YOUR CONTROL,
• IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY
YOUR MORTGAGE PAYMENTS, AND
• IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED
BY THE PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure
on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a
"face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS
MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS IF YOU DO NOT APPLY FOR EMERGENCY
MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS
NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR
MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling
agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the
date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling
agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to
schedule one face-to-face meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later
in this Notice (see following pages for specific information about the nature of your default.) If you have tried and
are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the
Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed
Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling
agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the
program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency.
Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY
PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE
ASSISTANCE WILL BE DENIED.
AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed
by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has
sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings
will be pursued against you if you have met the time requirements set forth above. You will be notified directly by
the Pennsylvania Housing Finance Agency of its decision on your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION 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.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date)
NATURE OF THE DEFAULT --The MORTGAGE held by Sovereign Bank (hereinafter we, us, or ours) on your
property located at 514 PARTRIDGE COURT, MECHANICSBURG PA 17055, IS SERIOUSLY IN
DEFAULT because YOU HAVE NOT MADE THE MONTHLY PAYMENTS of $2172.94 since 07/01/07 to the
present. The total amount now required to cure this default, or in-other words, get caught up in your payments, as of
the date of this letter, is $9216.76. The total amount includes late charges and any other charges that have accrued
to this date. If you disagree with the assertion that a default has occurred or the correctness of the calculated amount
required to cure the default, contact:
SOVEREIGN BANK OVERNIGHT DELIVERY:
MORTGAGE COLLECTIONS DEPARTMENT
PO BOX 8627 OR 601 PENN STREET
READING PA 19603 READING, PA 19601
1-800-753-7366
HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (30) DAYS of the date of this
notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $9216.76, PLUS
ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)
DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made
payable to Sovereign Bank and sent to the above address
IF YOU DO NOT CURE THE DEFAULT-If you do not cure the default within THIRTY (30) DAYS of the
date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the
entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the
mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30)
DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged
property.
IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off
the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender
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 attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be
added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default
within the THIRTY (30) DAY period you will not be required to pav attorney's fees.
OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all
other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within
the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default
and prevent the sale at any time up to one hour before the Sheriff's 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 Sheriff's Sale as specified in writing by the lender and bv_
performing any other requirements under the mortgage. Curing your default in the manner set forth in this
notice will restore your mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE -It is estimated that the earliest date that such a Sheriff's Sale
of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A
notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to
cure the default will increase the longer you wait. You may find out at any time exactly what the required payment
or action will be by contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender: SOVEREIGN BANK
Address: PO BOX 8627, READING PA 19603
Phone Number:" 1-800-753-7366
Fax Number: 1-800-881-9334
Contact Person: Constance M. Cocroft, Vice President
EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the
mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a
lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE - You may have the right to sell or transfer your home to a buyer or transferee
who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and
costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO
CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.)
TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR
ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS,
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE
LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (SEE ENCLOSURE)
You may contact our Mortgage Services Department via E-mail at:
MORTSERV9,SOVEREIGNBANK COM
This bank is a debt collector attempting to collect a debt and any information obtained from you will be used for that
purpose.
HOUSING AND URBAN DEVELOPMENT ("HUD") NOTIFICATION
IMPORTANT NOTICE OF THE HOUSING AND COMMUNITY DEVELOPMENT ACT OF 1987
PLEASE READ THIS NOTICE. HOMEOWNERSHIP COUNSELING MAY BE AVAILABLE TO YOU.
DATE: October 29, 2007
TO: PAUL A MATTUS
RE: Account No. 0356120928
FROM: Sovereign Bank
The Housing and Coirununity Development Act of 1987 requires that Sovereign Bank notify eligible homeowners with delinquent
home loans of the availability of homeownership counseling. Because your home loan is DELINQUENT, you may be eligible for
homeownership counseling provided by certain non-profit organizations.
PLEASE CALL THE HUD TOLL FREE NUMBER AT
1-800-569-4287
FOR MORE INFORMATION.
If you have any questions about your home loan you may call or write to Sovereign Bank at:
MORTGAGE COLLECTIONS DEPARTMENT
SOVEREIGN BANK
PO BOX 8627
READING PA 19603
1-800-753-7366
Constance M. Cocroft
Vice President
PFNNSYLVANIA HOUSING FINANCE AGENrY
HOMEOWNF EMERGENCY MORTGAGE ASSISTAP PROGRAM
CONSUMER CREDIT COUNSELING AGENCIES
ADAMS COUNTY ARMSTRONG COUNTY
American Red Cross - Hanover Chapter CCCS of Western PA, Inc.
529 Carlisle Street 217 East Plank Road
Hanover, PA 17331 Altoona, PA 16602
717-637-3768 814-944-8100,814-944-5747
FAX 717-637-3294
Financial Counseling Services of Franklin
31 West 3`d Street
Waynesboro, PA 17268
717-762-3285
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
717-541-1757
717-541-4670
Adams County Housing Authority
139-143 Carlisle Street
Gettysburg, PA 17325
717-334-1518, FAX 717-334-8326
ALLEGHENY COUNTY
Pennsylvania Housing Finance Agency
2275 Swallow Hill Road, Bldg. 200
Pittsburgh, PA 15220
412-429-2842, FAX 412-429-2835
Credit Counselors of PA
401 Wood Street Suite 906
Pittsburgh, PA 15222
412-338-9954,800-737-2933
FAX 412-338-9963
Indiana Co. Community Action Program
827 Water Street, Box 187
Indiana, PA 15701
724-465-2657
FAX 724-465-5118
BEAVER COUNTY
Action Housing, Inc.
4256 1h Avenue, Suite 950
Pittsburgh, PA 15219
412-391-1956
FAX 412-391-4512
Housing Opportunities of Beaver Co, Inc.
650 Corporation Street, Suite 207
Beaver, PA 15009
724-723-7511
Action Housing Inc.
425 6'h Avenue, Suite 950
Pittsburgh, PA 15219
412-391-1956,412-281-2102,
800-792-2801, FAX 412-391-4512
CCCS of Western PA, Inc.
309 Smithfield Street
Pittsburgh, PA 15222
412-471-7584
Urban League of Pittsburgh
Bldg. for Equal Opportunity
One Smithfield Street
Pittsburgh, PA 15222
412-227-4802, FAX 412-261-5207
Mon-Valley Unemployed Committee
120 E. 9m Avenue
Homestead, PA 15120
412-462-9962
Credit Counselors of PA
401 Wood Street, Suite 906
Pittsburgh, PA 15222
412-338-9954,800-737-2933
FAX 412-338-9963
Community Action Southwest
22 West High Street
Waynesburg, PA 15370
724-852-2893
Housing Opportunities
133 Seventh Street, PO Box 9
McKeesport, PA 15132
412-664-1906
FAX 412-664-0873
Credit Counselors of PA
401 Wood Street, Suite 906
Pittsburgh, PA 15222
412-338-9954,800-737-2933
FAX 412-338-9963
CCCS of Western PA, Inc.
971 3`d Street
Beaver, PA 15009
724-774-0798
Mon-Valley Unemployed Committee
120 E. 9'h Avenue
Homestead, PA 15120
412-462-9964,412-462-9962
Housing Opportunities, Inc.
133 7`h Street, PO Box 9
McKeesport, PA 15134
412-664-1906 FAX 412-664-0873
BEDFORD COUNTY
Bedford-Fulton Housing Services
10241 Lincoln Highway
Everett, PA 15537
814-623-9129 FAX 814-623-7187
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
CCCS of Western PA, Inc.
217 E. Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
Tableland Services, Inc.
535 East Main Street
Somerset, PA 15501
814-445-9628,800-452-0148
FAX 814-443-3690
BERKS COUNTY
Budget Counseling Center
247 North Fifth Street
Reading, PA 19601
610-375-7866
FAX 610-375-7830
EOC of Schuylkill County
225 N. Centre Street
Pottsville, PA 17901
717-622-1995
FAX 717-622-0429
CCCS Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610-821-4011,800-220-2733(814)only
FAX 610-821-8932
Community Housing Counselors, Inc.
PO Box 244
Kennett Square, PA 19348
610-444-3682
FAX 610-444-8243
BLAIR COUNTY
Bedford-Fulton Housing Services
RD I Box 384
Everett, PA 15537
814-623-9129
FAX 814-623-7187
CCCS of Western PA, Inc.
217 East Plank Road
Altoona, PA 16602
814-944-8100,814-944-5747
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
CARBON COUNTY CHESTER COUNTY A~ °rican CCI
EOCbf Schuylkill County kcorn Housing Corporation is oates Street
225 North Center Street 846 North Broad Street Coatesville, PA 19320
Pottsville, PA 17901 Philadelphia, PA 19130 888-212-6741
570-622-1995 215-765-1221
FAX 570-622-0429 FAX 215-765-1427 American CCI
144 E Dekalb Pike
CCCS of Lehigh Valley Budget Counseling Center King of Prussia, PA 19406
3671 Crescent Court East 247 North Fifth Street 610-971-2210
Whitehall, PA 18052 Reading, PA 19601 FAX 610-265-4814
610-821-4011,800-220-2733 610-375-7866
717 and 814 only for 800 FAX 215-375-7830 American CCI
FAX 610-821-0137 755 York Road, Suite 103
HACE Warminster, PA 18974
CCCS of Northeastern PA 167 W. Allegheny Avenue, 2"a Floor 215-444-9429
1400 Abington Executive Park, Suite I Philadelphia, PA 19140 FAX 215-956-6344
Clarks Summitt, PA 18411 215-426-8025
570-587-9163, 800-922-9537 FAX 215-426-9122 CLARION COUNTY
FAX 570-587-9134/9135 CCCS of Western Pennsylvania, Inc.
Media Fellowship House YMCA Building, 339 N Washington Street
CCCS of Northeastern PA 302 S. Jackson Street Butler, PA 16001
31 W Market Street Media, PA 19063 412-282-7812
Wilkes-Bane, PA 18702 610-565-0846
570-821-0837 ,800-922-9537 FAX 610-565-8567 CLEARFIELD COUNTY
FAX 570-821-1785 Keystone Economic Development Corp.
Tabor Community Services, Inc. 1954 Mary Grace Lane
CCCS of Northeastern PA 439 East King Street Johnstown, PA 15901
9 South 7`h Street Lancaster, PA 17602 814-535-6556
Stroudsburg, PA 18360 717-397-5182, 800-788-5062 (H. 0. only) FAX 814-539-1688
570-420-8980,800-922-9537 FAX 717-399-4127
FAX 570-420-8981
American Red Cross of Chester Indiana Co. CAP
CCCS of Northeastern PA 1729 Edgemont Avenue 827 Water Street, Box 187
1631 S Atherton Street, Suite 100 Chester, PA 19013 Indiana, PA 15701
State College, PA 16801 610-874-1484 724-465-2657
814-238-3668 FAX 724-465-5118
FAX 814-238-3669 Northwest Counseling Services
5001 N. Broad Street CCCS of Western PA, Inc.
CEO of Luzerne County Philadelphia, PA 19141 217 E Plank Road
163 Amber Lane 215-324-7500 Altoona, PA 16602
Wilkes-Barre, PA 18702 FAX 215-324-8753 814-944-8100
570-826-0510,800-822-0359 FAX 814-944-5747
FAX 570-829-1665 - CALL FIRST CCCS of Delaware Valley
570-455-4994 Hazleton 1515 Market Sheet, Suite 1325 CCCS of Northeastern PA
FAX 570-455-5631 - CALLFIRST Philadelphia, PA 19107 1631 S Atherton Street, Suite 100
570-836-4090 Tunkhannock 215-563-5665 State College, PA 16801
FAX 215-563-7020 814-238-3668
CENTRE COUNTY FAX 814-238-3669
CCCS of Western PA, Inc. Community Housing Counseling Inc.
217 East Plank Road PO Box 244 CCCS of Western PA
Altoona, PA 16602 Kennett Square, PA 19348 219-A College Park Plaza
814-944-8100 610-444-3682 Johnstown, PA 15904
FAX 814-944-5747 FAX 610-444-8243 814-539-6335
Lycoming-Clinton Co STEP Philadelphia Council for Community Adv.
2138 Lincoln Street, PO Box 1328 100 North 17'h Street, Suite 600
Williamsport, PA 17703 Philadelphia, PA 19103
570-326-0587 215-567-7803
FAX 570-322-2197 FAX 215-963-9941
CCCS of Northeastern PA
1631 S Atherton Street, Suite 100
State College, PA 16801
814-238-3668
FAX 814-238-3669
CDC of Frankford Group Ministry
4620 Griscom Street
Philadelphia, PA 19124
215-744-2990
FAX 215-744-2012
CCCS of Northeastern PA
201 Basis Street
Williamsport, PA 17703
570-323-6627
FAX 570-323-6626
CCCS of Delaware Valley
Marshall Building
790 E Market Street, Suite 215
West Chester, PA 19382
215-563-5665
CLINTON COUNTY
Lycoming-Clinton Counties STEP
2138 Lincoln Street, PO Box 1328
Williamsport, PA 17703
570-326-0587
FAX 570-322-2197
CCCS of Northeastern PA
201 Basin Street
Williamsport, PA 17703
570-323-6627
FAX 570-323-6626
1631 S Atherton Street, Suite 100
State College, PA 16801
814-238-3668
FAX 814-238-3669
FAYETTE COUNTY Financial Services Unlimited H"NTINGDON COUNTY
Action.Housing Inc. 31 West 3`d Street E )rd-Fulton Housing Services
4256 1h Avenue, Suite 950 Waynesboro, PA 17268 RD1, Box 384
Pittsburgh, PA 15219 717-762-3285 Everett, PA 15537
412-391-1956,412-281-2102 814-623-9129
FAX 412-391-4512 CCCS of Western PA, Inc. FAX 814-623-7187
912 South George Street
Mon Valley Unemployed Committee York, PA 17403 Weatherization Office
120 East 9`h Avenue 717-846-4176 917 Mifflin Street
Homestead, PA 15120 Huntingdon, PA 16652
412-462-9962 YWCA of Carlisle 814-643-2343
301 G Street
Tableland Services, Inc - Carlisle, PA 17013 CCCS of Western PA, Inc.
131 North Center Avenue 717-243-3818 217 E. Plank Road
Somerset, Pa 15501 FAX 717-243-3948 Altoona, PA 16602
814-445-9628 814-944-8100
FAX 814-443-3690 American Red Cross-Hanover Chapter FAX 814-944-5747
529 Carlisle Street
CCCS of Western PA, Inc Hanover, PA 17331 INDIANA COUNTY
1 North Gate Square 717-637-3768 CCCS OFWestem PA, Inc.
2 Garden Center Drive FAX 717-637-3294 I North Gate Square
Greensburg, PA 15601 2 Garden Center Drive
724-838-1290 FULTON COUNTY Greensburg, PA 15601
Bedford-Fulton Housing Services 724-838-1290
Community Action Southwest RD 1, Box 384
22 West High Street Everett, PA 15537 Keystone Economic Development Corp.
Waynesburg, PA 15370 814-623-9129 1954 Mary Grace Lane
724-852-2893 FAX 814-323-7187 Johnstown, PA 15901
814-535-6556
Fayette Co Community Action Agency CCCS of Western PA, Inc. FAX 814-539-1688
137 North Beeson Avenue 912 South George Street
Uniontown, PA 15401 York, PA 17403 Indiana County CAP
724-437-6050, 800-427-INFO 717-846-4176 827 Water Street, PO Box 187
FAX 724-437-4418 Indiana, PA 15701
Financial Counseling Services of Franklin 724-465-2657
CCCS of Western PA 31 West 3'd Street FAX 724-465-5118
199 Edison Street Waynesboro, PA 17268
Uniontown, Pa 15401 717-762-3285 CCCS of Western PA
724-439-8939 219-A College Park Plaza
Weatherization Office Johnstown, PA 15904
FOREST COUNTY 917 Mifflin Street 814-539-6335
Warren-Forest CEOC Huntingdon, PA 16652
204 Liberty Street, PO Box 547 814-643-2343 JEFFERSON COUNTY
Warren, PA 16365 John F. Kennedy Center
Inc
814-726-2400
GREENE COUNTY ,
.
2021 East 20'h Street
FAX 814-723-0510 Action Housing, Inc. Erie, PA 16510
425 6'h Avenue, Suite 950 814-898-0400
FRANKLIN COUNTY Pittsburgh, PA 15219 FAX 814-898-1243
Adams County Housing Authority 412-391-1956, 412-281-2102
139-143 Carlisle Street FAX 412-391-4512 Indiana County CAP
Gettysburg, PA 17325 827 Water Street
Box 187
717-334-1518 Community Action Southwest ,
Indiana
PA 15701
FAX 717-334-8326 22 West High Street ,
724-465-2657
Waynesburg, PA 15370 FAX 724-465-51 18
CCCS of Western PA 724-852-2893
2000 Linglestown Road_ FAX 724-627-7713 - CCCS of Western PA
Inc
Harrisburg, PA 17102 ,
.
YMCA Building, 339 North Washington Street
717-541-1757 Mon-Valley Unemployed Committee Butler
PA 16001
FAX 717-541-4670 120 East 9`h Avenue ,
724-282-7812
Homestead, PA 15120
Urban League of Metropolitan Harrisburg 412-462-9962 JUNIATA COUNTY
2107 N 6'h Street FAX 412-462-9964 CCCS of Western PA
Inc
Harrisburg, PA 17101 ,
.
217 E. Plank Road
717-234-5925 CCCS of Western PA, Inc. Altoona
PA 16602
FAX 717-234-9459 1 North Gate Square ,
814-944-8100
CAC of the Capital Region 2 Garden Center Drive
Greensburg, PA 15601 FAX 814-944-5747
1514 Derry Street 724-838-1290 Weatherization Office
Harrisburg, PA 17104 917 Mifflin Street
717-232-9757 Huntingdon
PA 16652
FAX 717-234-2227 ,
814-643-2343
Northwest Counseling Service
* NORTHUMBERLAND I' 'hwest Counseling Service
5001
N. Broad Street CCCS of Northeastern PA . N Broad Street
Philadelphia, PA 19141 31 W Market Street, PO Box 1127 Philadelphia, PA 19141
215-324-7500 Wilkes-Barre, PA 18702 215-324-7500
FAX 215-324-8753 570-821-0837,800-922-9537 FAX 215-324-8753
FAX 570-821-1785
Community Action Development Comm CCCS of Delaware Valley
113 East Main Street CCCS of Northeastern PA 1515 Market Street, Suite 1325
Norristown, PA 19401 1400 Abington Executive Park, Suite i Philadelphia, PA 19107
610-277-6363 Clarks Summitt, PA 18411 215-563-5665
FAX 610-277-2123 570-587-9163,800-922-9537 FAX 215-864-2666
FAX 570-587-9134/9135
Community Housing Counselors Inc. HACE
PO Box 244 CCCS of Northeastern PA 167 W Allegheny, 2"d floor
Kennett Square, PA 19348 201 Basin Street Philadelphia, PA 19140
215-444-3682 Williamsport, PA 17703 215-426-8025
FAX 215-444-8243 570-323-6627 FAX 2'15-426-9122
FAX 570-323-6626
Media Fellowship House Media Fellowship House
302 S. Jackson Street EOC of Schuylkill County 302 S Jackson Street
Media, PA 19063 225 North Centre Street Media., PA 19063
610-565-0846 Pottsville, PA 17901 610-565-0846
FAX 610-565-8567 570-622-1995 FAX 610-565-8567
FAX 570-622-0429
American Credit Counseling Institute PCCA
845 Coates Street PERRY COUNTY 100N 17`h Street, Suite 500
Coatesville, PA 19320 CCCS of Western PA, Inc. Philadelphia, PA 19103
888-212-6741 2000 Linglestown Road 215-567-7803
Harrisburg, PA 17102 FAX 215-963-9941
Phila. Council For Community Advmnt 717-541-1757
100 North 17`h Street Suite 600 FAX 717-541-4670 CCCS of DelawareValley
Philadelphia, PA 19103 One Cherry Hill, Suite 215
215-567-7803 Urban league of Metro Harrisburg Cherry Hill, NJ 08002
FAX 215-963-9941 2107 North 61h Street 215-563-5665
Harrisburg, PA 17101
American Credit Counseling Institute 717-234-5925 Housing Assoc. of Delaware Valley
144 E Dekalb Pike FAX 717-234-9459 1500 Walnut Street
Suite 501
King of Prussia, PA 19406 ,
Philadelphia, PA 19102
610-971-2210 YWCA of Carlisle 215-545-6010
FAX 610-265-4814 301 G Street FAX 215-790-9132
Carlisle, PA 17013
American Credit Counseling Institute 717-243-3818 Housing Assoc. of Delaware Valley
755 York Road, Suite 103 FAX 717-243-3948 658 North Watts Street
Warminster, PA 18974 Philadelphia
PA 19123
215-444-9429 Financial Counseling Services of Franklin ,
215-978-0224
FAX 215-956-6344 31 West 3`d Street FAX 215-765-7614
Waynesboro, PA 17268
MONTOUR COUNTY 717-762-3285 Community Devel. Corp of Frankford
CCCS of Northeastern PA Group Ministry
31 W. Market Street, PO Box 1 127 Weatherization Office 4620 Griscom Street
Wilkes-Bane, PA 18702 917 Mifflin Street Philadelphia
PA 19124
570-821-0837,800-922-9537 Huntingdon, PA 16652 ,
215-744-2990
FAX 570-821-1785 814-643-2343 FAX 215-744-2012
CCCS of Northeastern PA CAC of the Capital Region American Credit Counseling Institute
1400 Abington Executive Park, Suite l 1514 Derry Street - 845 Coates Street
Clarks Summitt, PA 18411 Harrisburg, PA 17104 Coatesville
PA 19320
570-587-9163,800-922-9537 717-232-9757 ,
888-212-6741
FAX 570-587-9134/9135 FAX 717-234-2227
NORTHHAMPTON COUNTY
PHILADELPHIA COUNTY American Credit Counseling Institute
144 E Dekalb Pike
CCCS of Lehigh Valley Acorn Housing Corporation King of Prussia
PA 19406
3671 Crescent Court East 846 North Broad Street ,
610-971-2210
Whitehall, PA 18052 Philadelphia, PA 19130 FAX 610-265-4814
610-821-4011 215-765-1221
800-220-2733 (717) and (814) ONLY FAX 215-765-1427 American Credit Counseling Institute
FAX 610-821-8932 755 York Road, suite 103
Warminster, PA 18974
215-444-9429
FAX 215-956-6344
17 Crafton Street WARREN COUNTY 3' -''est Market Street
Wellsboro, PA 16901 3ooker T. Washington Center V .s-Barre, PA 18702
570-724-5252 1720 Holland Street 570-821-0837,800-922-9537
FAX 570-724-5783 Erie, PA 16503 FAX 570-821-1785
814-453-5744
103 Warren Street, PO Box 709 FAX 814-453-5749 The Trehab of NE PA
Tunkhannock, PA 18657
570-836-6840 Greater Erie CAC 185 Elmira Street, PO Box 218
FAX 570-836-6332 18 West 9`h Street Troy, PA 16947
Erie, PA 16501 570-297-2101
German Street, PO Box 389 814-459-4581 FAX 570-297-2799
Dushore, PA 18614 FAX 814-456-0161
570-928-9668 - 17 Crafton Street
FAX 570-928-8144 Warren-Forrest Counties EOC Wellsboro, PA 16901
1209 Pennsylvania Avenue, West 570-724-5252
931 Main Street PO Box 547 FAX 570-724-5783
Honesdale, PA 18431 Warren, PA 16365
570-253-8941 814-726-2400 103 Warren Street, PO Box 709
FAX 570-253-4817 FAX 814-723-0510 Tunkhannock, PA 18657
570-836-6840
7 Lake Avenue, Box 339 WASHINGTON COUNTY FAX 570-836-6332
Montrose, PA 18801 Action Housing, Inc.
570-278-3338, 800-9824045 425 6rh Avenue, Suite 950 German Street, PO Box 389
FAX 570-278-1889 Pittsburgh, PA 15219 Dushore, PA 18614
412-391-1956,412-281-2102 570-928-9668
UNION COUNTY FAX 412-391-4512 FAX 570-928-8144
Lycoming-Clinton County STEP
2138 Lincoln Street, PO Box 1328 CCCS of Western PA, Inc. 931 Main Street
Williamsport, PA 17703 1 North Gate Square Honesdale, PA 18431
570-326-0587 2 Garden Center Drive 570-253-8941
FAX 570-322-2197 Greensburg, PA 15601 FAX 570-253-4817
724-838-1290
CCCS of Western Pennsylvania, Inc. WESTMORELAND COUNTY
217 East Plank Road Housing Opportunities, Inc. Action Housing, Inc.
Altoona, PA 16602 133 Seventh Street 4256 1h Avenue, Suite 950
814-944-8100 McKeesport, PA 15132 Pittsburgh, PA 15219
FAX 814-944-5747 412-664-1590 412-391-1956,412-281-2102
FAX 412-664-0873
CCCS of Northeastern Penns ly vania Community Action Southwest
Credit Counselors of PA 22 West High Street
31 W. Market Street, PO Box 1127 401 Wood Street, Suite 906 Waynesburg, PA 15370
Wilkes-Barre, PA 18702 Pittsburgh, PA 15222 724-852-2893
570-821-0837,800-922-9537 412-338-9954,800-737-2933
FAX 570-821-1785 FAX 412-338-9963 CCCS of Western PA, Inc.
1 North Gate Square
1400 Abington Executive Park, Suite I Community Action Southwest 2 Garden Center Drive
Clarks Summitt, PA 18411 22 West High Street Greensburg, PA 15601
570-587-9163, 800-922-9537 Waynesburg, PA 15370 724-838-1290
FAX 570-587-9134/9135 724-852-2893
Housing Opportunities, Inc.
201 Basin Street 53 N. College Street 133 Seventh Street
Williamsport, PA 17703 Washington, PA 15301 McKeesport, PA 15132
570-323-6627 724-222-8292 412-664-1590
FAX 570-323-6626 FAX 412-664-0873
Mon-Valley Unemployed Committee
VENANGO COUNTY 120 East 91h Avenue Keystone Economic Devel. Corporation
Greater Erie Community Action Committee Homestead, PA 15120 1954 Mary Grace Lane
18 West 91h Street 412-462-9962 Johnstown, PA 15901
Erie, PA 16501 FAX 412-462-9964 814-535-6556
814-459-4581 FAX 814-539-1688
FAX 814-456-0161 WAYNE COUNTY
CCCS of Northeastern PA Tableland Services Inc.
CCCS of Western Pennsylvania, Inc. 535 East Main Street
339 N. Washington Street, YMCA Bldg. 1400 Abington Executive Park, Suite I Somerset, PA 15501
Butler, PA 16001 Clarks Summitt, PA 18411 814-445-9628, 800-452-0148
412-282-7812 570-587-9163,800-922-9537 FAX 814-443-3690
FAX 570-587-9134/9135
John F. Kennedy Center, Inc. 199 Edison Street
2021 East 20`h Street 9 South 7`h Street Uniontown, PA 15401
Erie, PA 16510 Stroudsburg, PA 18360 724-439-8939
814-898-0400, FAX 814-898-1243 570-420-8980, FAX 570-420-8981
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AFFIDAVIT OF MAILING ACT 91 NOTICE
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF BERKS
Constance M. Cocroft, being duly sworn according to law,
deposes and says that she is Vice President of Asset
Recovery of Sovereign Bank, suc essor to Penn Savings Bank,
Plaintiff herein, and that on OL-b0f-- Zq, 7 X? 7 she
mailed the Notice pursuant to the Homeowners' Emergency
Mortgage Assistance Act of 1983, copies of which are
attached hereto, to the within
Defendants, ?C
that the required period of time
has elapsed since mailing of said Notice; and that the
Plaintiff has received no response from the Defendants, or
from any consumer credit counseling agency with regard to
the Homeowner's Emergency Mortgage Assistance Act.
Constance M. Cocroft
Vice President
Sworn to and subscribed before me this ?Lllvh day
-_200/ I._. S?y1$- --._ - ----- _ _ - -
Notary ?b'lic
COMMONWEALTH OF PEN'NSY VANI
Shannon M. 5°;= i,wiary Public
City of Reai:106, Berke County
My Commission 6pires Oct. 4, 2009
Member, Pennsylvania Asswation of Notaries
Pennsylvania
inf finance Agency Homeowners' Emergency
g Mortgage Assistance Loan Pro¢ram
Payments: 211 North Front Street P.0. Box 15206
Harrisburg, PA 17105-5206
Correspondence: 211 North Front Street, P.O. Box 15530
Harrisburg, PA 17105-5530
(717) 780-3940 1-800-342-2397 FAX (717) 780-3995
TTY (717) 780-1869
1/04/2008
SOVEREIGN SUBJECT:
PO BOX 8627 PAUL MATTUS
READING, PA 19603 514 PARTRIDGE CT
MECHANICSBURG, PA 17050
HEMAP Account #: HE0001688431
Loan #: 356120928
Your application for a HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE LOAN
has been DENIED pursuant to Act 91 of 1983, 35 P.S. Section 1680.401-C et seq. and/or
Agency Guidelines 12 PA Code Section 31.201 et seq. for the following reasons:
DELETED IN LENDER'S COPY
You may be entitled to an appeal hearing if you disagree with our decision. Requests for a
hearing must be made in writing and must be submitted to the Agency within 15 days after the
postmark date of this letter. Verbal requests are not acceptable. Tkre hearing may be conducted
by a telephone conference call; therefore, you must include you( telephone number. You also
have a right to an in-person hearing at the Agency's office in Harrisburg if you so desire.
Requests for hearings must state the reason(s) that a hearing is requested and must be sent first
class, registered or certified mail to: Chief Counsel - HEMAP Hearing Request, PHFA/HEMAP,
211 North Front Street, P.O. Box 15628, Harrisburg, PA, 17105-5628. The hearing request may
also be faxed to the attention of Chief Counsel - Hearing Request at 717-780-4031. The Agency
will attempt to schedule the hearing within thirty (30) days after the request is received. When
sending your appeal, please be sure to print or type your name legibly and include your HEMAP
Account Number and phone number where you-may be reached during the day.
You have a right to be represented by an attorney in connection with your appeal. If you cannot
afford an attorney you may be eligible for Legal Services representation. You can contact a
Legal Services representative toll free at 1-800-322-7572 for a referral to the office for your
county. Please be aware that scheduling an appeal hearing does not necessarily stay
foreclosure proceedings.
DISCLOSURE OF USE OF INFORMATION OBTAINED FROM OUTSIDE SOURCE:
1. Information obtained from a property search and/or credit report.
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit
applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided
that the applicant has the capacity to enter into a binding contract); because all or part of the
applicant's income derives from any public assistance program; or because the applicant has in
good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency
that administers compliance with this law concerning this creditor is the Federal Trade
Commission, Equal Credit Opportunity, Washington, D.C.
Sincerely,
THE PENNSYLVANIA HOUSING FINANCE AGENCY
Homeowners' Emergency Mortgage Assistance Program
hpreiect/dtmdocs/H EMAP/
Rev. September 2004
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ATTACHED TO AND FORMING A PART OF RECORD OWNER AND LIEN CERTIFICATE
Order Number: A132256
Client Number: 81104
JUDGMENTS:
1. US Treasury Department vs. Paul Mattus and Pamela Mattus
#2005-05889 11/14/2005 $114,983.92 Federal Tax Lien
Plaintiffs Addr: Pittsburgh Office, Room 808, 1000 Liberty Avenue, Pittsburgh,
PA 15222-9974
2. Unifund CCR Partners vs. Paul A. Mattus
#2006-05812 11/14/2006 Complaint
Plaintiffs Addr: 10625 Techwoods Circle, Cincinnati, OH 45242
3. US Treasury Department vs. Paul Mattus
#2006-06780 11/26/2006 $49,869.03 Federal Tax Lien
Plaintiffs Addr: Pittsburgh Office, Room 808, 1000 Liberty Avenue, Pittsburgh,
PA 15222-9974
4. US Treasury Department vs. Paul Mattus
#2006-06781 11/28/2006 $17,476.87 Federal Tax Lien
Plaintiff's Addr: Pittsburgh Office, Room 808, 1000 Liberty Avenue, Pittsburgh,
PA 15222-9974
5. Bureau of Compliance vs. Paul Mattus and Pamela Pattus
#2007-03108 5/22/2007 $8,780.96
Plaintiffs Addr: Dept 280946, Harrisburg, PA 17128-0946
6. US Treasury Department vs. Paul Mattus
#2007-04973 8/21/2007 $22,241.80 Federal Tax Lien
Plaintiffs Addr: Pittsburgh Office, Room 808, 1000 Liberty Avenue, Pittsburgh,
PA 15222-9974
7. Bureau of Compliance vs. Paul Mattus
#2007-05342 9/7/2007 $3,995.25
Plaintiffs Addr: Dept 280946, Harrisburg, PA 17128-0946
8. Bureau of Compliance vs. Paul Mattus
#2008-00032 1/3/2008 $4,803.48
Plaintiffs Addr: Dept 280946, Harrisburg, PA 17128-0946
9. US Treasury Department vs. Paul Mattus and Pamela Mattus
#2008-00255 1/14/2008 $26,382.35 Federal Tax Lien
Plaintiffs Addr: Pittsburgh Office, Room 808, 1000 Liberty Avenue, Pittsburgh,
PA 15222-9974
5
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SHERIFF'S RETURN - REGULAR
CASE NO: 2008-01551 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
SOVEREIGN BANK
VS
MATTUS PAUL A ET AL
DAVID MCKINNEY
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
MATTUS PAUL A
was served upon
the
DEFENDANT at 1842:00 HOURS, on the 12th day of March 2008
at 514 PARTRIDGE COURT
MECHANICSBURG, PA 17050 by handing to
PAUL MATTUS
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: So Answers:
Docketing 18.00
Service 12.48 .?
Postage .58 Surcharge 10.00 R. Thomas Kline
'311 g1b „ 00
41.06 03/13/2008
PLUESE BECKER SALTZMAN
Sworn and Subscibed to By:
before me this day De ty Sherif
of _ A.D.
SHERIFF'S RETURN - REGULAR
• CASE NO: 2008-01551 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
SOVEREIGN BANK
VS
MATTUS PAUL A ET AL
DAVID MCKINNEY , Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE was served upon
-rt MmTTCI nAT/f LDT T C the
DEFENDANT , at 1842:00 HOURS, on the 12th day of March , 2008
at 514 PARTRIDGE COURT
MECHANICSBURG, PA 17050
by handing to
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
Service
Affidavit
Surcharge
'3118'6 v (),
Sworn and Subscibed to
before me this
of
So Answers:
6.00
.00
00
10.00 R. Thomas Kline
.00
16.00 03/13/2008
PLUESE BECKER SALTZMAN
By:
day Deputy Sheriff
A. D.
SHERIFF'S RETURN - NOT FOUND
t
CASE NO: 2008-01551 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
SOVEREIGN BANK
VS
MATTUS PAUL A 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
TENANT/OCCUPANT but was
unable to locate Him in his bailiwick. He therefore returns the
COMPLAINT - MORT FORE ,
NOT FOUND , as to
the within named DEFENDANT TENANT/OCCUPANT
514 PARTRIDGE COURT
MECHANICSBURG, PA 17050
THERE WERE NO OTHER OCCUPANTS.
Sheriff's Costs:
Docketing 6.00
Service .00
Not Found 5.00
Surcharge 10.00
00
3?1 g'D 4 21.00
So answer
R. Thoma Kline
Sheriff of Cumberland County
PLUESE BECKER SALTZMAN
03/13/2008
Sworn and Subscribed to before
me this day of
A. D.
I
Pluese, Becker & Saltzman, LLC.
Robert F. Thomas, Esquire
Attorney Identification No.: 70206
20000 Horizon Way
Suite 900
Mt. Laurel, NJ 08054
(856) 813-1700
Attorney for Plaintiff
81104
SOVEREIGN BANK COURT OF COMMON PLEAS
CUMBERLAND COUNTY
Plaintiff,
NO. 08-1551 Civil Term
V.
PAUL A. MATTUS (MORTGAGOR AND
RECORD OWNER) AND PAMELA S.
MATTUS (RECORD OWNER) AND THE PRAECIPE TO REINSTATE
UNITED STATES OF AMERICA C/O MORTGAGE FORECLOSURE
ATTORNEY GENERAL DEPT OF COMPLAINT
JUSTICE
Defendants.
TO THE PROTHONOTARY:
Kindly reinstate the above captioned Complaint in Mortgage Foreclosure.
PLUESE, BECKER & SALTZMAN, LLC.
BY:
Robe e6mas,quire
#702
o
00 C ?
72
235 SOUTH 13TH STREET
PHILADELPHIA, PA 19107
PHONE: (215) 546-7400
Services for Profesdonals inc. FAX: (215) 985-0169
Sovereign Bank
-vs-
Paul A. Mattus, et al
r-q
National Association of
Professional Process Servers
r.-
Philadelphia Association
of Professional Process Servers
COURT Court of Common Pleas of Pennsylvania
COUNTY Cumberland County
CASE NUMBER 08-1551
AFFIDAVIT OF SERVICE
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF PHILADELPHIA: B&R Control # CS051825 - 1
Reference Number 81104
Adrienne Baione, being duly sworn according to law, deposes and says that he/she is the process
server/sheriff herein named, and that the facts set forth below are true and correct to the best of their
knowledge, information and belief.
On May 19, 2008 we received the COMPLAINT / MORTGAGE FORECLOSURE, and that service was
effected upon UNITED STATES OF AMERICA C/O ATTORNEY GENERAL DEPT. OF JUSTICE at 615
Chestnut Street Philadelphia PA 19106, on the 19 DAY OF MAY, 2008 at 2:11 PM, in the manner described
below:
By service upon N. NASOYOUNK, as agent or person in charge of office or usual place of business.
Description
Age Height Weight Race Sex Hair
Other
COMMONWEALTH,-7 PU_N-`"'LVANIA
NOTARIAL SEAL
J AMIL4 JAMISON, Notary Public
City of Philadelphia, Phila. County Sworn to and subscribed before me this
My Co,11imissron Er?ires February 13, 2012
W day oa.
Process Server/Sheriff - - U
- Notary ublic
Law Firm For Plaintiff Phone
Robert Saltzman, Esquire
Pluese, Becker & Saltzman, LLC
20000 Horizon Way
Suite 900
Mount Laurel, NJ 080544318
Identification #
(856)813-1700
BR Serve By 6/8/2008
Filed Date
reinstated 5/9/2008
ORIGINAL
Civil
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THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY
SOVEREIGN BANK
V.
PAUL A. MATTUS (MORTGAGOR AND
RECORD OWNER) AND PAMELA S.
MATTUS (RECORD OWNER) AND THE
UNITED STATES OF AMERICA, c/o
ATTORNEY GENERAL, DEPARTMENT
OF JUSTICE
No. 08-1551 Civil Term
RE; Complaint for Civil Action
C\- 5
To he best of my ability is response to admit or deny complaint.
1. Admitted
2. (a) Admitted
(b) Admitted
(c) Denied. No answer
3. (a) Denied After investigation defendant does not know whether true or not.
(b) Denied After investigation
(c) Denied After roves defendant does not know whether true or not.
ation
(d) Denied Answer not necessary - conclusion.
4. Denied. After investigation defendant does not know whether true or not.
5. Denied. Conclusion. Answer not required.
6. Denied. Defendant has had several conversations with plaintiff agents to come to
agreement on payment.
7. Denied. After investigation does not know whether or not true.
en' efendant denies that he owes sum claimed by plaintiff.
erred. Conclusion by plaintiff. No answer required.
PAUL MATTUS
3810 Market St.
Camp Hill PA 17011
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PLUESE, BECKER & SALTZMAN, LLC
BY: ROBERT F. THOMAS, ESQUIRE
Attorney I.D. #70206
20000 Horizon Way, Suite 900
Mt. Laurel, NJ 08054
(856) 813-1700
Attorney for Plaintiff
81104
Sovereign Bank,
Plaintiff,
V.
Paul A. Mattus (Mortgagor and Record Owner)
Pamela S. Mattus (Record Owner)
The United States of America c/o
Attorney General, Dept. of Justice
Defendant(s).
CUMBERLAND COUNTY
NO: 08-1551 Civi Term
CERTIFICATE OF SERVICE
I, Robert F. Thomas, Esquire, hereby certify that original and 1 copy of Plaintiffs
Interrogatories, Request for Production of Documents and Request for Admissions were served
on Defendant at the following address on the date listed below:
Paul A. Mattus (Mortgagor and Record Owner)
Pamela S. Mattus (Record Owner)
514 Partridge Court
Mechanicsburg, PA 17050
IN THE COURT OF COMMON PLEAS
PLUESE, BECKER & SALTZMAN, LLC
Robe F. Thomas, Esquire
Attorney for Plaintiff
Date: 6
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PLUESE, BECKER & SALTZMAN, LLC
BY: Robert F. Thomas, Esquire
Attorney I.D. #70206
20000 Horizon Way, Suite 900
Mt. Laurel, NJ 08054
(856) 813-1700
Attorney for Plaintiff
81104
IN THE COURT OF
COMMON PLEAS
OF CUMBERLAND COUNTY
SOVEREIGN BANK
PAUL A. MATTUS
(MORTGAGOR AND REAL OWNER)
PAMELA MATTUS (RECORD OWNER)
THE UNITED STATES OF AMERICA C/O
ATTORNEY GENERAL, DEPT. OF JUSTICE
Defendant
Plaintiff
V.
PLAINTIFF'S
MOTION FOR SUMMARY JUDGMENT
No. 08-1551 CIVIL TERM
1. AND NOW comes Plaintiff, Sovereign Bank, by and through its attorneys,
Pluese, Becker & Saltzman, LLC, and respectfully requests that this Honorable Court enter an
Order granting summary judgment in its favor in the above-captioned matter and in support
thereof avers as follows:
2. Plaintiff is Sovereign Bank (hereinafter "Plaintiff').
2. Defendants are Paul A. Mattus (Mortgagor and Record Owner), Pamela S. Mattus
(Record Owner) and The United States of America c/o Attorney General, Dept. of Justice
(hereinafter "Defendants").
3. Plaintiff filed its Complaint in Mortgage Foreclosure on March 10, 2008. A true and
correct copy of the Complaint is attached hereto as Exhibit A.
4. Defendant Paul A. Mattus (Mortgagor and Record Owner) filed a Response to
Plaintiff's Complaint on or about June 26, 2008, which does not raise any issue of material fact.
A true and correct copy of the Defendant's Response to New Matter is attached hereto as
Exhibits B.
5. Plaintiff served Interrogatories, a Request for Production of Documents and a
Request for Admissions upon the Defendant on or about July 1, 2008. Defendant failed to
respond to these requests. A true and correct copy of the Discovery Requests is attached hereto
as Exhibit C.
6. Plaintiff has attached Memorandum of Law to the instant Motion that avers all facts
necessary to prove a prima facie case in mortgage foreclosure and that corroborates the facts as
plead in Plaintiffs Complaint. See Plaintiff's attached Memorandum of Law.
7. Accordingly, Plaintiff respectfully submits that there remain no genuine issues of
material fact and that this matter is now ripe for Summary Disposition.
WHEREFORE, Plaintiff moves for Summary Judgment in its favor.
Respectfully submitted,
PLUESE, BECKER & SALTZMAN, LLC
/G?
Rob F. omas, Esquire
Attorney for Plaintiff
PLUESE, BECKER & SALTZMAN, LLC
BY: Robert F. Thomas, Esquire
Attorney I.D. #70206
20000 Horizon Way, Suite 900
Mt. Laurel, NJ 08054
856-813-1700
Attorney for Plaintiff
81104
SOVEREIGN BANK
Plaintiff
V.
IN THE COURT OF
COMMON PLEAS
PAUL A. MATTUS (MORTGAGOR AND
RECORD OWNER)
PAMELA S. MATTUS (RECORD OWNER)
THE UNITED STATES OF AMERICA C/O
ATTORNEY GENERAL, DEPT. OF JUSTICE
Defendant
OF CUMBERLAND COUNTY
No. 08-1551 CIVIL TERM
AFFIDAVIT IN SUPPORT OF PLAINTIFF'S
MOTION FOR SUMMARY JUDGMENT
Constance Cocroft , being duly sworn according to law, deposes
and says:
1. I am the Vice President
for and representative of Sovereign
Bank. I am authorized to make and do make this affidavit on behalf of Sovereign Bank; and that
the facts set forth in the foregoing Motion for Summary Judgment are true and correct to the best
of my knowledge, information and belief.
2. I have personal knowledge of the matters referred to in Plaintiffs Motion and as
set forth below, I make this affidavit in support of Plaintiffs Motion for Summary Judgment, that
the facts set forth below are admissible in evidence and I am competent to testify to the matters
stated herein.
3. The Defendant, Paul A. Mattus (Mortgagor and Record Owner), made, executed
and delivered a Mortgage upon the premises, 514 Partridge Court, Mechanicsburg, PA 17050, on
April 16, 1996 to York Federal Savings and Loan Association, Plaintiff's predessor-in -interest.
4. The Mortgage is in default (the "Default") because the Defendant failed to timely
tender the monthly payment of $2,172.94 due and/or to be applied to the payment due July 1,
2007 (the "Default Date"), and thereafter failed to make the monthly payments.
5. Notice of Intention to Foreclose and a Notice of Homeowners' Emergency
Mortgage Assistance has been sent to Defendants by Certified and regular mail, as required by
35 P. S. § 1680.403c, on the date(s) set forth in the true and correct copy of such notice(s)
attached hereto as Exhibit "B" to Plaintiff s Complaint. The Defendant applied for assistance via
the Pennsylvania Housing Finance Agency on March 3, 2008, however the borrower was denied
said assistance on March 21, 2008.
6. The amounts due and owing on the mortgage in question as of the filing of the
Complaint are as follows:
Principal Balance
Interest due and owing at the rate of 8.470%
At the per diem rate of $44.67 calculated through 8/1/08
Total Late Charges
Reasonable Attorney's Fee
Title Search
Property Inspection Fee
Satisfaction Fee
Lien Search
NSF Fee
Hazard Insurance
Township Taxes Paid by Plaintiff
School Taxes Paid by Plaintiff
$186,784.53
$17,778.66
$1,185.48
$1,250.00
$347.00
$72.45
$52.00
$140.00
$30.00
$1,458.18
$871.41
$798.05
$210,767.76
I hereby verify that any exhibits attached hereto are true and correct copies of the
originals and I declare all of the foregoing to be true and correct.
SWORN TO AND SUBSCRIBED:
before me this 1001 day:
Constance Cocroft
Vice President
o U } 2008:
o Publi
COMMONWEALTH OF PENNSYLVANIA
Notarial Seal
Heath" A. Mearlde, Notary Pudic
Pottstown Soto, Monll o y County
W Conn *don Expires April 18, 2009
Member, Pennsylvania Association of Notaries
PLUESE, BECKER & SALTZMAN, LLC
BY: Robert F. Thomas, Esquire
Attorney I.D. #70206
20000 Horizon Way, Suite 900
Mt. Laurel, NJ 08054
(856) 813-1700
Attorney for Plaintiff
81004
SOVEREIGN BANK
PAUL A. MATTUS
Plaintiff
V.
IN THE COURT OF
COMMON PLEAS
OF CUMBERLAND COUNTY
(MORTGAGOR AND REAL OWNER)
PAMELA MATTUS (RECORD OWNER)
THE UNITED STATES OF AMERICA C/O
ATTORNEY GENERAL, DEPT. OF JUSTICE
Defendant
No. 08-1551 CIVIL TERM
CERTIFICATE OF SERVICE OF PLAINTIFF'S
MOTION FOR SUMMARY JUDGMENT
Dawn Killen, hereby certifies that she did serve true and correct copies of Plaintiffs
Motion for Summary Judgment, Memorandum of Law in Support and all supporting papers by
first class mail, postage pre-paid upon the following on the date listed below:
Paul A. Mattus (Mortgagor and Record Owner)
Pamela S. Mattus (Record Owner)
514 Partridge Court
Mechanicsburg, PA 17050
and
3810 Market Street
Camp Hill, PA 17011
Dawn Killen
Q' Q Legal Assistan to Robert F. Thomas, Esquire
Date: U ( 5 v
PLUESE, BECKER & SALTZMAN, LLC
BY: Robert F. Thomas, Esquire
Attorney I.D. #70206
20000 Horizon Way, Suite 900
Mt. Laurel, NJ 08054
(856) 813-1700
Attorney for Plaintiff
81104
SOVEREIGN BANK
Plaintiff
V.
IN THE COURT OF
COMMON PLEAS
PAUL A. MATTUS
(MORTGAGOR AND REAL OWNER)
PAMELA MATTUS (RECORD OWNER)
THE UNITED STATES OF AMERICA C/O
ATTORNEY GENERAL, DEPT. OF JUSTICE
Defendant
EXHIBIT LIST
A. Complaint
B. Response of Defendant's to Plaintiff Complaint
OF CUMBERLAND COUNTY
No. 08-1551 CIVIL TERM
C. Interrogatories, Request for Production of Documents and Request for Admissions
D. Note
E. Mortgage
F. Act 91 Notices
Pluese, Becker & Saltzman, -?LC
Rob Saltzman, Esquire
Attorney Identification No.: 53957
20000 Horizon Way, Ste 900
Mt. Laurel, NJ 08054
(856) 813-1700
Attorneys for Plaintiff
SOVEREIGN BANK
Plaintiff,
V.
PAUL A. MATTUS (MORTGAGOR AND
RECORD OWNER) AND PAMELA S.
MATTUS (RECORD OWNER) AND THE
UNITED STATES OF AMERICA, C/O
ATTORNEY GENERAL DEPT. OF
JUSTICE
Wioy
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
Defendants.
CIVIL CTION
COMPLAINT IN MORTGAGE FORECLOSURE
NOTICE NOTICIA
YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE
CLAIMS SET FORTH N THE FOLLOWING PAGES, YOU MUST TAKE ACTION
WIT IN TWENTY (20 DAYS AFTER THIS COMPLAINT AND NOTICE ARE
SERVED, BY A WRITTEN APPEARANCE PERSONALLY OR BY
ATTORNEY AND FILINGTHE 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
I,OSJE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU.
LEHANDEMANDADOAUSTEDENLACORTE. SIUSTEDQUIEREDEFENDERSE
DE ESTAS DEMANDAS MWUESTAS EN LAS PAGINAS SIGUIENfES, USTED
TMNE (20) D1A8 DE PLAZO A PARTIR DE LA FECHA DE LA DEMANDA Y LA
NOTIFICAC10N. LISTED DEBE PRESENTAR UNA APAAIENCIA ESCRITA O EN
PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE SUS DEFENSES O SUS
OBJECIONES A LAS DEMANDAS ENCONTRA DESU PERSONA. SEA AVISADO
QUE SI USTED NO SE DEFIE NDE, LA CORTE TOMARA MEDIDAS Y PUEDE
ENTRAR UNA ORDEN CONTRA LISTED SINN PREVIO AVISO O NOTIFICACION O
POR CUALQHIR QUEJA O ALIVIO QUE ESPEDIDO EN LA PETICION DE
DEMANDA. USTED PUEDE PERDER DINERO, SUS PROPIFDADES 0 OTROS
DERECHOS IM'ORTANTES PARR LISTED.
YOU SHOULD TAKE THIS PAPFRTO YOUR LAWYERAT ONCE. IFYOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GOT TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT V41ERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
2 Liberty Avame
C-M PA 17013
1/600990-9101
LLEVE ESTA DEMANDA A UN ABOGADO TMMEDIATAME'NTE. SI NO TIENE
ABOGADOO SI NOTBUNEELDD4EROSUFlCEEMBPARAPAGARTAL SERVICIO,
VAYAEN PERSONAOLLAMEPORTELEFONOA LA OFICINA CUYA DIRECCION
SE ENCUENTRA ESCRITA ABA10 PARR AVERIGUAR DONDE USTED PUEDE
CONSEGUIt ASISTENCIA LEGAL.
CUMBERLAND COUNTY BAR ASSOCIATION
2 Liberty Ava ua
Cvlisl%PA 17013
1/6009909108
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CIVIL ACTION -- COMPLAINT IN MORTGAGE FORECLOSURE
1. The Plaintiff, Sovereign Bank is a corporation having been organized under the laws
of the United States of America and having its principal place of business at 601 Penn Street,
Reading, PA 19601.
2. (a) Defendants, Paul A. Mattus (Mortgagor and Record Owner) and Pamela S.
Mattus (Record Owner only) are individuals whose last known address is 514 Partridge Court,
Mechanicsburg, PA 17050.
(b) Defendant, Paul A. Mattus holds an interest in the subject property as
mortgagor and record owner. Defendant, Pamela S. Mattus holds an interest in the subject property
as record owner only.
(c) If any of the above named Defendants are deceased, this action shall proceed
against the deceased Defendant's heirs, assigns, successors, administrators, personal representatives
and/or executors through their estate whether the estate is probated.
3. (a) The subject mortgage (the "Mortgage") is described as follows:
Mortgage executed on: April 16, 1996
Mortgage recorded on: April 24, 1996, in Record Book 1315, page 602
County of. Cumberland
See Exhibit "A," Note and Mortgage.
(b) The Mortgage encumbers property (the "Subject Property") located at:514
Partridge Court, Mechanicsburg, PA 17050.
(c) The "legal" description of the Subject Property, expressed in metes and
bounds, is incorporated in the Mortgage. See Exhibit "A," Mortgage.
(d) Pursuant to Pa. R.C.P. 1147 (1) and 1019(g) Plaintiff is not obliged
to append copies of the above mentioned publicly recorded documents to this mortgage foreclosure
action. These documents are, however, appended hereto and incorporated herein by reference,
together with the underlying Note, as Exhibit "A," Mortgage and Note.
4. The requisite pre-foreclosure Combined "Act" Notice has been sent to the
Defendant(s) by regular and certified mail as required by 35 P.S. § 1680.403c on the date(s) set forth
in the true and correct copy of such notice(s) attached hereto as Exhibit "B".
5. The United States of America is joined herein as a subordinate lienor pursuant to
28 U.S.C. Section 2410. A copy of the Federal Lien(s) and information pertinent thereto is attached
hereto and made a part hereof as Exhibit "C."
6. The Mortgage is in default (the "Default") because the Defendant(s) failed to timely
tender the monthly payment of $2,172.94 due and/or to be applied to the payment due July 1, 2007
(the "Default Date"), and thereafter failed to make the monthly payments.
7. Pursuant to the terms of the Mortgage, the secured loan obligation has been
accelerated.
8. By reason of the foregoing Default, Plaintiff respectfully requests entry of judgment
in rem incorporating the following sums:
(a) Outstanding Principal Balance $186,784.53
(b) Interest due and owing at the
rate of 8.870% calculated from the Default
Date through March 15, 2008.
Interest will continue to accrue at the per diem rate of
$44.67 through the date of entry of Judgment in rem. $12,964.76
(c) Attorneys' fees
(d) Title Search
(e) Satisfaction Fee
(f) Escrow Due
(g) Lien Search
(h) Property Inspection
(i) Late Charges
0) NSF Fee
(k) Paid Attorney Fees
(1) Suspense
$1,250.00
$347.00
$52.00
$798.05
$140.00
$20.70
$765.00
$30.00
$90.82
-$1,227.06
TOTAL INREMJUDGMENT SOUGHT BY PLAINTIFF $202,015.80
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 Sheriff's Sale.
If the Mortgage is reinstated or satisfied prior to the Sale, reasonable attorneys' fees will be charged.
WHEREFORE, the Plaintiff demands:
-- Entry of Judgment in rem against the Defendant above named in the total amount of
$202,015.80 as stated at Paragraph 6, plus additional interest, additional escrow advances expended,
additional late charges, plus any other costs incurred through the date of entry of Judgment; and
Foreclosure of the mortgagor's equity of redemption and that of any persons or entities
holding or claiming under them and Sheriff's Sale of the subject mortgaged property.
Respectfully Submitted,
Pluese, Becker & Saltzman, LLC.
By:
111J0?-QL-
o. Thomas, Esquire
Attorney for Plaintiff
NOTICE REQUIRED BY THE
FAIR DEBT COLLECTION
PRACTICES ACT, (the act),
15 U.S.C. SECTION 1601 AS AMENDED
To the extent the act may apply, please be advised of the following:
1. The amount of the original debt is stated in paragraph one of the Complaint attached hereto.
2. The Plaintiff who is named in the attached Notice to Plead and Complaint is the Creditor to
whom the debt is owed.
3- The debt described in the Complaint attached hereto and evidenced by the copy of the
mortgagelnot-"- ill be assumed to be valid by the Credjior's7aw irm, unless the e fors , w"thi
thirty days after.receipt of this notice, disputes, in writing, the validity of the debt or some portion
thereof.
4. If the Debtor notifies the Creditor's law firm in writing within thirty days of the receipt of this
notice that the debt or any portion thereof is disputed, the Creditor's law firm will obtain verification
of the debt and a copy of the verification will be mailed to the Debtor by the Creditor's law fine.
5. If the Creditor who is named as Plaintiff in the attached Notice to Plead and Complaint is not the
original creditor, and if the Debtor makes written request to the Creditor's law firm within twenty
(20) days from the receipt of this Notice, the name and address of the original Creditor will be
mailed to the Debtor by the Creditor's law firm.
6. Written request should be addressed to Pluese, Becker & Saltzman, LLC 20000 Horizon Way
Suite 900 Mt Laurel, New Jersey-08054.. Attention: Rob Saltzman, Esquire
VERIFICATION
The undersigned, a foreclosure processor of Sovereign Bank, the instant Plaintiff, hereby
verifies that the facts set forth in the foregoing Complaint in Mortgage Foreclosure are
taken from the records maintained by said persons supervised by the undersigned who
maintain the business records of the Mortgage held by the 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 18 Pa C.S.A. 4904 RELATING TO UNSWORN
FALSIFICATION TO AUTHORITIES.
DATE: 317 [D??. e.
Name: Michele Heck
Title: Foreclosure Team Lead.
q 9.7
C-C0:10E; G-7_DS
U! L; hTY-,1A
'96 APH 24 fln 11 19
1SPaa Above M Use For Recording Data) .
MORTGAGE
TM MORTGAGE ("Security Instrument') is given on APRIL 16, 1996
Tbemortgagor is PAUL A MATTUS
York Federal Savings and Loan Association ('Borrow-')' This Suety 1,+truanem is given to
which is
. and whose address u
101 South ni grand 5tree?de the awso15THE UNIT D STATES OF7ANERICA PA 17405-
TWO HUNDRED FOURTEEN THOUSAND FOUR HUNDRED AND NO% Or") Borrower owes Liter the principal sum of
Dollars (U.S. $ 214,400.00 - ). This debt i4 evidenced by Borrower's tote dated the same date as this Security
loaonme-m ('Note'). which provides for monthly payments, with the full de
.X if not paid He
MAY
b
MAY 1, 2026 This security lastrumox earr, due and pays k on
Note, with )nterrsy and all renewals, eztecuri as secures to Lender. (a) the fgmy? of the debt evidenced
the payment of all other sums. with
interest, advauood under paragraph 7 to protect the security of this it of the Nate: an (c)
eoveaams and agreements under this Security Instrument and the Note. Security For Instrument; this purpose, posse e, the Borrower Performance
does mance b Borrower's
hereby mortgage,
grant and convey to Lander the following described property located in CUMBERLAND
THE PROPERTY MORTGAGED HEREIN IS MORE PARTICULARLY DESCRIBED IN County.Pennaylvama
EXHIBIT "A", WHICH IS ATTACHED TO THIS MORTGAGE AND MADE A PART
OF THIS MORTGAGE.
which has the address of 514 PARTRIDGE COURT
Pennsylvania 11055 ('Property Address');
Izip Code)
9EN NSYLV t?j IA nSynew4 Fa=de Maem ddie mac ONMRM INSTRt&Mr
P
Pood315 PAGE 602
MECHANICSBURG
[City)
Form 30M 9191 ImSe r g6para)
Wm14be 1rYaw Fwaa, ha. ¦
TYardw Can t-sse=,pp DFAX 111-791-11]1
ACCT/ 1600629
In ?
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TOGETHER. WITH all the improvements now or hereafter etectcd on the property. and an easements, appurtenances,
and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security
lnttrument. All of the foregoing is referred to in this Security instrument as the 'Property.'
BORROWER COVENANTS that Borrower is bwA* seised of the estate hereby conveyed and has the right to
mortgage, grant and convey the Property and that the Property is unenaimbered, except for encumbrances of record.
Borrower warrants and will defend generally the tide to the Property against all claims and demands, subject to any
encumbrances of record.
THIS SBCURTTY INSTRUMENT combine uniform covenants for national use and non-umform covenants with
limited variations by jurisdiction to constitute a uniform scarcity instrument covering real property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal and Itderts4 Prepayment and Late Charges. Borrower shall promptly pay when due the
principal of and Intaw on the debt evidenced by the Note and any prepayment and late charges due under the Now.
2. Funds for Taxes and lunsrance. Subject to applicable law or to a written waiver by Lewder. Borrower shall pay
to Lender on the day monthly payments are due tinder the Note. until the Note is paid in fall, a sum ('FwxU*) for: (a) yearly
taxes and asseaaments which may attain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold
payments or grand rem on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood
Insurance prermtmn. if any; (e) yearly mortgage insurance premiums, if any; and (f) any sums payable by Borrower to
Gender, in accordance with the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums. These
items are called 'Escrow Items." Leader may, at any time, called and hold Funds in an amount not 0o exceed the maximum
amount a Iemder for a federally related mortgage loan may require for Borrower's escrow account under the federal Real
Estate Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. § 2601 d req. ('RESPA'), unless
another law that applies to the Funft sets a leas= amount If so, Lender may, at any time, collect apd•hold Funds in an
amount not to eased the laser amount. Lender may estimate the amount of Funds due on the basis of current data and
reasonable esumaus of expenditures of ft m Escrow Items or otherwise in accordance with applicable law.
The Fends shall be held in an institution whose deposits are insured by a federal agency, insaumeaalit . or entity
('including Leader, If Lender is such an institution) or in any Federal Home Loan Ban]L Ierhder shag apply the Funds to pay
the Escrow Items. Leader may not charge Borrower for holding and applying the Funds, annually analyzing the escrow
account, or valting the Escrow Items, unless I ends pays Borrower huenst on the Ponds and applicable law permits
Lender to maim such a charge. However, Lender may requite Borrower to pay it one-time charge for an independent real
estate tax reporting service used by Ierder in connection with this loan, udaa applicable law provides otherwise. Unless an
agreement is made or applicable law regains Interest to be paid, Leader shall not be required to pay Borrower any lat=est
or earnings on the Funds. Borrower and Lender may agree in writing, however, [bat Interest shall be paid on the Ponds.
Leader sball give in Borrower, without charge, an anaah accounting of the Funds. showing txed u and debits to the Ponds
and the purpose fat which each debit to the Ponds was made. The Funds are pledged as additional security for all sums
seatred by this Security hisinument.
If the Prods held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to-
Borrower for the cum Pamds in accordance with the requirements of applicable law. If the amount of the Funds held by
Lender at any time is not aufficien to pay the Escrow Items when due, Lender may to notify Borrower in writing, and, in
such cast: Borrower shall pay to Lender the amount necessary to maim up the deficiency.-Borrower shall make up the
deficiency in no rose titan twelve monthly payments, at Lender's sole discretion.
Upon payment in full of all sorts secured by this Security Instrument, Lender shall promptly refund to Borrower any
Funds held by Lender. If, under paragraph 21, I ender shall acquire or ad the Property, Lender. prior to the acquisition or
axle of the Property, shall apply any Fonda held by Lewder at the tine of acquisition or sale as a credit against the sums
secured by ft Sexattlty tostrument.
3. Application of Paymewts. Unless applicaWt law provides otherwise, all payments received by Lender under
__
paragraphs 1 and 2 shall be applied: first, to grit' prepaymiwt__ rsduc_u _1cLfb_l?Jotei.secood, to amounU leunder
- - - = pgtggfa p"rmcrpaTdt`ie-mom aI-st,_-to cLuges due twdir the Note. 1 _.._ .
4. Charges; L kw. Borrower shag pay all taxes, assessments, charges, fines and impositions allnbutable to the
Property which may attain priority over tide, Security Instrument. and leasehold payments or ground rem s, if any. Borrower
shall pay these obligations is the manner provided In paragraph 2, or V not paid in ttat manner. Borrower shall pay them on
tine directly to the person owed payment. Borrower shall promptly furnish to Leader all notice of amounts to be paid
under this paragraph. If Borrower make these payments directly. Borrower shall promptly furnish to Lender receipts
evidencing the payments.
Borrower shall promptly discharge any lien which has priority over thus Security Instrument umlen Borrow=: (a) agrees
in writing to the payment of the obligation secured by the lien in a mamer acceptable to Lender; (b) contests in good faith
the lien by.. or defends against enforcement of the lie in, legal proceedings which in the Leader's opinion operate to
prevent the enforcement of the lie; or (c) secures from the holder of the lien an agreement satisfactory to Lender
subordinating the lien to Win Security Instrument. If Lender determines that my part of the Property is subject to alien
which may attain priority over this Security Instrtmaemt. I end= may give Borrower a notice identifying the lien. Borrower
shall satisfy the lien or taloe one or more of time acdow sa forth above within 10 days of die giving of notice. .
S. Hazard or Property Insurance. Borrower shall keep the Improvements now existing; or hereafter erected on the
Property insured against lou by fire, hazards included within the. term 'extended covaage' and any other hazards, including
floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and
ITEM 19301E (0211) DMM CDOOM944 Form 3039 9)90 (pqge 2 of 6M&x)
Ono tales aer' . Fern. Ina ¦
BOOK M5 PACE, 603 70Odsred 140&63o-10o ONeX 910-791-1131
ACCT# 160062997
• c
for the periods that IsnBcr requires- The insurance carrier providing the insurance shall be chosen by Borrower subject to
Lender's approval which shall not be unreasonably withheld. If Borrower faros to maim;n coverage described above,
Leader may, at Leodet'a %WO% obtain coverage to protect Lender's rights in the Property In aocordsoce with paragraph 7.
AB insurance policies and renewals shall be acceptable to Lender and shall Inchnle a standard mortgage clause. Leader
shall have the right to hold the policies and renewals. If I ender requires, Borrower shall promptly give to Lender all receipts
of paid premiums and renewal notices. In the event of loss. Borrower shall give prompt notice to the insurance carrier and
1 ender. Lender may mate proof of loss if not made promptly by Borrower.
Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of
the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. U the
restoration or repair is not economically feasible or Lender's security would be esse pet, the miauance proceeds shall be
applied to the an= secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. If
Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance airier has
offered to settle a claim, then Lender may collect the insurance proceeds. Lender MAY Use the proceeds to repair or restore
the Property or to pay sums secured by this Security ]nsaument, whether or not then due. The 30-day period will begin
when the notice is given.
Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or
postpone the due date of the monthly payments referred to in p -pVbs 1 and 2 or change the amount of the payments. if
under paragraph 21 the Property is acquired by lewder. Borrower's right to aqr insurance policies and proceeds resulting
from damage to the Property prior to the acquisition shall pass to Lander in the extent of (he soms secured by this Security
Instrument immediately prior to the acquisition.
6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application;
Leaseholds. Borrower shag occupy, establish, and use the Property as Borrower's principal residence within sixty days
after the a on of this Security Emso ument and shall continue to occupy the Property as Borrower's principal residence
for at least one year alter the date of occupancy, ualaa Lander otherwise agrees in writing, which consent shall not be
unreasonably withheld, or unless externhating circumstances exist which are beyond Borrower's control. Borrower shall not
destroy. damage or Impair the Property. allow the Property to deteriorate. or commit waste on die Property. Borrower Shan
be in default if any forfedhrc action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment
could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or
i ender security lntatat Borrower may cure such a def k and reinstate, as provided in paragraph 19, by coming the action
or proceeding, to be dismissed with a ruling that, in I wder'a good faith determination, precludes forfeiture of the
Borrower's iatereat in the Property or other material impairment of the lien created by this Security hrstrument or Lender's
security interaL Borrower sban also be in default if Borrower, during the loan application process, gave materially false or
inaccurate information of statements to Lender (or failed to provide Lender with any material h&nna&a) in coonecdon
with the loan evidenced by the Note, including, but not limited to, representations concerning Boaow e, occupancy of the
Property as a principal residence. if this Security instrument is on a leasehold, Borrower shall comply with all the provisions
of the lease. • If Borrower acquires fee tide to the Property, the leasehold and the fee tide shall not merge unless Lander
agrees to the verger In writing.
7. Protection of Leader's Rights in the Property. If Borrower fails to perform the covenants and agreements
contained in this Security Instrument, or there is a legal proceeding that may aig &W dy affect Lender's
tights in rite
property (such as a proxoding in bantmptcy, probate, for ewndemnatioa or forfeiture or to etaforce laws or regulations).
then Leader may do and pay for whatever is necessary to protect the vow of the Property and [alder's rights in the
Property. Lender's actions may mchWe paying any sums secured by a lien which has priority over this Security hmttumeut.
aPpariog in carat, paying reasonable attorneys' fen and entering on tic property to male repairs. Although Lender may
take action under this paragraph 7. I ender does not have to do so.
AnY amooots disbursed by Lander under this paragraph 7 shall become addkwoal debt of Borrower secured by this
Security InSRTmoeat. Unless Borrower and Lender agree to other terms of payment, these amounts Shan bear interest from
the date of dishnrsement at the Note rate and shall be payable, with interest,-upon
I- Mortgage Insurance. U Lender required mortgage insurance as a condition of mating the ban secured by this
Security Iastrument, Borrower shall pay the premiums required to mamlam the mortgage wwranca in effect. if for any
reason, the mortgage insurance coverage required by I tinder laps" or ceases to be in effect, Borrower :ban pay the
prrmmins required to obtain coverage substantially equivalent to the mortgage insurance previously in effect, at a coat
substantially equivalent to the coat to Borrower of the mortgage insurance preIriously in-effect, from an shermu, mortgage
insurer approved by Leaflet. If substantially equivalent mortgage insurance coverage is not availsble, Borrower shall pay to
Lender each month a am equal to ono-twelfth of the yearly mortgage insurance premium being paid by Borrower when the
insurance Coverage lapsed or ceased to be in effect. Lander will accept, use and retain these payments as a loss reserve in
lieu of mortgage insurance. Goss reserve payments may no kdager be required. at the option of lewder, if mortgage
incur = coverage (m the amount and for the period that Lender requires) Provided by an Imarer approved by Lender
again becomes available and is obtained. Borrower shall pay the premium required to maintain mortgage insurance in
effect, or to provide a loss reserve, until the requireaMme for mortgage insurance ends in accordance with any written
agreement between Borrower and Lander or applicable law.
9. Inspection. Lender or its agent may make reasonable entrio upon and iaspoctions of the Property. Lender ahan
give Borrower Mike at the time of or prior to an inspection spwHyiog reasonable cause for the impoction
10. Cosdeamatloo. The proceeds of any award or claim for damages,. direct or consequential, in vomucaon with
ITEM 19GOL3 (9211) oxld oowo0131144 Form 30V 91" (pare 3 of 6 pates)
Mee takes aa,leses fauns, IV_ ¦ j
??llKia?1?PAGl i 6OQ TsordWCWI: 1-NO-R& ere oruc sum-11n
ACCT/ 160062997
C c
any condemnation or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby
assigned and shall be paid to Lender.
In the event of a total taking of the Property, the proceeds shall be applied to the an- secured by this Security
Instrument, whether or not then doe, with any excess paid to Borrower. In the event of a partial taking of the Property in
which the fair marltet value of the Property immediately before the taking it equal to or greater than the amount of the antra
secured by this Security Instrument insmcdiately before the taking, unless Borrower and lender otherwise agree in writing.
the sums sectrred by this Security Instrument shall be rednad by the amount of the proceeds multiplied by the following
fraction: (a) the total amount of the sums seared immediately before the taking, divided by (b) the fair market value of the
Property immediaiely before The taking. Any balance shall be paid to Borrower. In the event of a partial taking of the
Property in which the fair market value of the Property immediately before the taking is less than the amount of the.sttms
secured immediately before the taking, unless Borrower and lender otherwise agree in writing or unless applicable law
otherwise provides, the proceeds shall be applied to the sums secured by this Security instrument whether or Dot the sums
are then due.
If the Property is abandoned by Borrower, or if, after nice by lender to Borrower that the condemnor offers to make
an award or settle a claim for damages, Borrower fails to respond to bender within 30 days after the date the notice is given,
Leader is authorized to collect and apply the proceeds, at its option, either to restoration or repair of the Property or to the
sums secured by this Security IDatrumeoy whether or not then doe.
Unless Leader and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or
postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of such payments.
H. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or
modification of amortization of the sums secured by this. Security Instrument granted by Lender to any successor in interest
of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in interest Lender
shall not be required to commence Proceedings against any successor in interest or refuse to extend time for otherwise modify amortization of de a- seared by this Security Instrument made payment by reason of any dema»d made by or
by the
original Borrower-or Borrower's successors in hdCMt Any forbearance by Lender in exercising any right or remedy shall
not be a waiver of or preclude the exercise of any right or remedy.
12. Successors and Aaslgns Bound; Joint and Several Liability; Co•signecs. 7Le covenant and agreements of this
Security instrument shall bind and benefit the successon and assigns of I - and Borrower, subject to the provisions of
paragraph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who co-signs this Security
lnsavmeut but does not execute the, Note: (a) Is co-signing this Security Instrument Only to mortgage. grant and convey that
Borrower's interest in the Property under the team of this Security Instrument, (b) is not personally obligated to pay the
sums seared by this Security Instrument; and (c) agrees that Lander and any other Borrower may agree to extend, modify.
forbear or maim any accommodations with regard to the terms of this Security Instrument or the Note without that
Borrower's cement.
13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan
charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection
with the loan exceed the permitted limits, then: (a) any such loan charge ahal! be reduced by the amount necessary to reduce
de charge to the permitted limit and (b) any sums already collected from Borrower which exceeded permitted limits will be
refunded to Borrower. Lender may moose to maloe mks refined by reducing the principal owed under the Note or by making
a direct payment to Borrower. If a reftmd reduces Principal, the reduction will be treated as a partial prepayment without any
prepayment charge under me Note.
14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by
mailing it by flat class mat] unless applicable law requires use of another method. The notice shall be directed to the
Property Address or any other address Borrower designates by twice to Leader. Any notice to Lender shall be given
for class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower. Any notice
provided for in this Security instrument abaii be deemed to have been given to Borrower or Lender when given as provided
in this paragraph - •- ---_--........ _. .. _ .. . _ .. _.
anih61-str`,Severa ?•-'ISs"?ecuriiy -rrietiumt:nt >ball be governed by federal law and the fat of the
jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument .or.the Note
conflicts with applicable law, such conflict stall not affect other provisions of this Security Instrument or the Note which
can be given effect without the conflicting provlsion. To this end the provisions of this Security Instrument and the Note are
declared to be severable.
16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security InsrumenL
17. Transfer of the Property or a Beneficial Interest In Borrower. If all or any part of the Property or any interest
in it is sold or transferred (or if a lenifciai interest In Borrower is sold or transferred and Borrower is not a nat ra! person)
without L•ender's prior written consent, Leader may, at its option, require immediate payment in full of all gums secured by
this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of
the date of this Security Instrument
If Lender exercises this option, Leader shall give Borrower notice of acceleration. The notice shall provide a period of
not less than 30 days him the date the notice L delivered or mailed within wbkh Borrower must pay all sums seemed by
1193 Security Insrment. If Borrower tills to pay these s ma prior to the expiration of this period, Lender My Imrokte any
remedies permitted by this Security Insrum ut without farther notice or demand on Borrower.
IS. Borrower's Right to Reinstate. If 'Borrower meets certain conditions, Borrower shall have the right to have
enforcement of this Security Instrument discontinued at any time prior to the earlier of. (a) 5 days (or such other period as
MM 199014 19211) Doer ODOOM944 Form 3039 9190 &cc 4 of 6pager)
Brat Zahn Bohan Fns. 1a. 0
ROQKM5PAG? 605 1."rCA 1.105430-M oMx BtB421-11a,
ACCTi 160062997
1
applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this
Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a)
pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had
occurred; (b) cures any dealt of any other covemms or agreements; (c) pays all expenses insured in enforcing this
Security Instrument, including, but not limited to, reasonable attorneys' fees; and (d) tabu such action as Leader may
reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and Borrower's
obligation to pay the sums secured by this Sesniity.Instrument shall continue unchanged. Upon reinsuatement by Borrower,
this Security Instrument and the obligations seamed hereby shall remain fully effective a if no acceleration bad occurred.
However, this right to reinstate shall not apply in the cane of acceleration under paragraph 17.
19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security
lnatrumeot) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity
(mown as the 'Loan Servicer') that collects monthly payments due under the Note and this Security Instrument. There also
may be one or more changes of the Loan Ser?leer unrelated to a sale of the Note. If there is a change of the Loan Servicer,
Borrower will be given written notice of the change in accordance with paragraph 14 above and applicable law. The notice
will state the name and address of the new Lam Servicer add the address to which payments should be made The notice
will also min any other information required by applicable law.
20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any
Hazardous Substances on or in the Property. Borrower sball not do, nor allow anyone the to do, anything affecting the
Property that is in violation of any Bavironmeaml Law. The preceding two sentences shall not apply to the presence, use, or
storage on the Property of small quatrities of Hazardous Substances that are generally recognized to be appropriate to
normal residential uses and to maintenance of the Property.
Borrower shall promptly give L wdec written entice of aw
y investigation, claim, demand, lawsuit or other action by any
governmental or regulatory agency or private party Involving the Property and any Hazardous Substance or Environmental
Law of which Borrower has actual knowledge. If Borrower leans, or is notified by any governmental or regulatory
authority, that any removal or other remedistion of any Hazardous Substance affecting the Property is necessary. Borrower
shall promptly take all necessary remedial actions in accordance with Envirourowtal law.
As used in this paragraph 20, 'Iazardous Substances' are thou substances defined as toxic or hazardous substances by
Environmental Law and the Mowing substances: gasoline. kerosene, other flammable or toxic petroleum products, toxic
pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As
used in this paragraph 20, 'Eaviroameafal Law' mesas federal laws and laws of the jurisdiction where the Property is
tooted that relate to beahh, safety or environmental protection.
NON-UNIFORM COVENANTS. Borrower and Rader further covenant and agree as follows:
21. Acceleration; Remedies. Lender shad gin notice to Borrower prior to acceleration following Borrower's
breach of any covenant or agreement In this Security Instrument (but not prior to acceleration under paragraph 17
unless applicable law provides otherwise). Lender shall notify Borrower of, among other things: (a) the default; (b)
the action required to cure the default; (e) when the default must be cured; and (d) that faihre to cure the default as
specified may result In acceleration of the stem soaped by this Security instrument, foreclosure by judicial
proceeding and ask of the Property. Lender shall further Inform Borrower of the right to reinstate-after acedaation
and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower
to acceleration and foreclosure. If the default Is not cured as specified, Lender at Its option may require immediate
psymext In full of all sums seemed by this Security Instruanent without furdw demand and may foreclose this
Security Inshiment by Judicial
the
remedies provided In this paragraph 21, including, but not limited to, attorneys' fees and costs title evidence to the
extent permitted by applicable law.
22. Release. Upon payment of all sums secured by this Security Instrument, ibis Security Instrument and the estate
conveyed shall terminate and become void. After such occurrence, Lender shall discharge and satisfy this Security
Instrument without charge to Borrower Borrower shall pay any ' cotta.
_FYbi#'eys: -=$arrowCi; o'@ue etnent? ? Y-FipDP orb waives and releases any error or defects in
proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or hinne laws providing for
stay of execution, extension of time, exemption from attachment, levy and sale, and homestead exemption.
24. Reinstatement Period, Borrower's time: to reinstate provided in paragraph 18 shall extend to one hour prior to
the cammcnccuicut of bidding at a shedff's sale or other ask pursuant to this Security Instrument.
25. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to Borrower to
acquire title to the Property, this Security Instrument shall be a purchase money mortgage.
26. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on
the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note.
MM lasoLS (921 tt o«id 90oobo0944 Form 303! 9190
joate 3 qf 6 Pdtu)
and VM sudrw roe., Im ¦
BootiMPAd 606 INGW-C'"-60DND-M 0RX """-"'d
ACCTI 160062997
M. Riders to tbis Security Instrument. If one or morns riden are executed by Borrower and recorded together with
this Security In;Ibutnem, the covenants and agreements of each such rider shall be Incorporated into and shall amend and
supplement the covenama and agreements of this Security Instrument as if the rider(s) won a part of this security
Instrument. [Chuck applicable box(es)]
Adjustable Rate Rider ? Coodon i um Rider ? l-4 Family Rider
? Graduated Payment Rider ? Planned Unit Development Rider F1 Biweekly Payment Rider
? Balloon Rider ? Rate Improvement Rider F1 Second Home Rider
XX Od-($) IsPedfy) RIDER TO PARAGRAPH 18 AND ADDENDUM
BY SIGNING BEWW, Borrower agrees to the terms and coveam a contained in pages I through 6 of this
Security Instrument and in any riders =Borrower and recorded with it.
Witnesses:
_ (Seal) (Seal)
-Bormwer Borrower
_(Seal) (SW)
-Bormwer .-wrmwpr
COMMONWMLTH OF FEWSYLVANIA, I CUMBERLAND County ss:
On this. the 1 u J day. of '? t?""`J ! '7 7 (J , before
the rmulrasigned officer, personally appeared PAUL A MATTUS
known to me (or satisfactorily
proven) to be the person whose name is subscribed to the within iastrunrcnt ledged
that he executed the same for the purpose herein congined.
IN WITNESS WHEREOF, I hereunto set my hand and official seal. EMY a`??:t •• r/?'?O "i MOTAFRAL p e?`
my. cxpkes;.- 13
?? ?ouur?y Pit b' / 8 ? %
ftM"Z Feb 19, WWoQ
COWNWbOnn R74W.-S.- 1
CMIMCAT E OF- RESIDENCE I,
do hereby certify that the correct address of the within named lender is 101 South George Street, PO Box
15068, York, PA 17405-7068
Witness my hand this day of
of
ITEM 196OLO 402111 0.cId OCOODOW44 FO[m 303! !!9a C 6 Q
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BooKiWPACE 607 sow Uk" aWOM rw.wu...¦
T.ae.rc le 14e01p Oral stFm•1131
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EXHIBIT •A" TO MORTGAGE OF
PAUL A. MATTUS TO
YORK FEDERAL SAVINGS AND LOAN ASSOCIATION
DATED APRIL 16, 1996
ALL THAT CERTAIN piece or parcel of land, situate in the Township
of Hampden, County of Cumberland, Commonwealth of Pennsylvania more
particularly bounded and described as follows to wit:
BEGINNING at a point on the Western line of Partridge Court at -the
dividing line between Lots 7 and*8 as shown on the hereinafter
mentioned plan of lots; thence along the line of Partridge Court
the following 6 courses and distances (1) by a curve to the left
having a radius of 80.0 feet an arc distance of 80.98 feet (2)"S.
79° 54' 34" E'. 15.00 feet (3) by a curve to the right having a
radius of 15.0 feet an arc distance of 23.56 feet (4) S. 10° 05' 2"
W. 20.00 feet (5) by a curve to the right having a radius of 393.0
feet an-arc distance of 99.53 feet (6) S. 24° 35' 26" W. 30.41 feet
to a point at the North Eastern line of a Pedestrian/Bikeway;
thence along the line of said Pedestrian/Bikeway N. 35° 34' 00" W.
a distance of 195.47 feet to a point at the dividing line between
Lots 7 and 8; thence along the dividing line between Lots 7 and 8
N_ 54° 26' 00" E. a distance of 89.25 feet to a point on the
Western line of Partridge Court, said point being the place of
BEGINNING.
BEING all of Lot a as shown on the final subdivision plan of Sleepy
Hollow P.R.D. Phase 1, recorded in Plan -Book 55, Page 44.
CONTAINING 0.3831 acres.
THEREON erected a 2 story brick and vinyl sided dwelling known as
514 Partridge Court, Mechanicsburg, PA 17055.
BEING the same premises which Sealover Construction Co., Inc., by
deed dated April • /6 , 1996 and intended to be recorded
immediately previous to this Mortgage in the office of the
:..._ gMex1-and:Ccunty-Recorder-o-f--Deeds;: ed-and.--conv-eyectuntor Eaui __:.:.._...:.:_ _._. -.- -
A. Mattus, the mortgagor and borrower herein.
UNDER AND SUBJECT to.the Declaration of Covenants and Restrictions
for Sleepy Hollow, which covenants and restrictions are dated
February 16, 1990., and recorded February 21, 1990 in the Cumberland
County Recorder of Deeds Office in Misc. Book 376, Page 567.
eook 1315 FAGE 608
i
Rider to Paragraph 18
"We, the undersigned Borrower(s), do'hereby agree that the following Rider to Para h 18
of the Mortgage/Deed of Trust, executed by Me/us this 1661 day of All 199b smell
be effective in accord with the terms and conditions thereof and shall be deemed to be a
condition of the Mortgage/Deed. of Trust.
The term "reasonable attorney's fees % as set forth in Paragraph 18 hereof, shall be deemed
to mean five percent (S %) of the principal due at the time of foreclosure or $300.00, whichever
is greater. This provision shall be void in the event this Mortgage/Deed of Trust is transferred
to the Federal Home Loan Mortgage Corporation ("Freddie Mac"), or the Federal National
Mortgage Association ("Fannie Mae% or any other entity utilizing Freddie Mac or Fannie
Mae standards and guidelines as a condition of assignment or transfer.
(Sara.)
eooK13156E, 609
101 SOUTH GEORrt& STREET
York . P.O. BOX 15068
Federal YORK, PA 17405
AID"
ADJUSTABLE RATE NOTE 135 (D/a dV9
THIS NOTE CONTAINS A PROVISION ALLOWING FOR CHANGES IN
MY 1NIEREST RATE. IF MY knERFST RATE INCREASES, MY
MONTHLY PAYMENTS WILL BE HIGHER. IF MY INTEREST RATE
DECREASES, MY MONTHLY PAYMENTS WILL BE LOWER.'
APRIL 16,_ 1996. _ HARRISBURG PENNSYl MANIA
city sr¦.
514 PARTRIDGE COURT MECHANICSBURG PA 17055
rP??MrAddiruI
1. BORROWER'S PROMISE TO PAY
In return for a Inan that I have received, I promise to pay U.S. $ 214.400.00 (this amount is called
"principal"), plus inteest, to the order of the Leader. The Lender is York Federal Savings and Lose Association. I understand
that the Lender may transfer this Note. The leader or anyone who takes this Note by transfer and who is entitled to receive
payments under this Note is called the "Note Holder".
L INTEREST
Interest will be charged on that part of principal which has not been paid beginning on the date I receive principal and
continuing until the full amount of principal has boon paid
Beginning on the date I receive principal, I will pay interest at a yearly rate of 7.750 %. The interest rate that
I will pay will change in accordance with Section 4 of this Note. The interest rate required by this Section and Section 4 of this
Note is the rate I will pay both before and after any defaulydescribed in Section 7(B) of this Note.
3. PAYMENTS
(A) Time and Place of Payments
I will pay principal and interest by making payments every month.
I will make my monthly payments on the first day of each month beginning on JUNE1. 1996
I will make these payments every month until I have paid all of the principal and interest and any other charges described below
that 1_ may owe under this Note. My monthly payments will be applied b interest before principal If on
MAY 1. 2026 , I still owe amounts under this Note, I will pay dross amounts in full on that dare,
which is called the "maturity date"
I will make my monthly payments at YORK FEDERAL SAVINGS AND LOAN ASSOC 101 SOUTH GEORGE
STREET, YORK, PA 17401 or at a different place if required by Note Holder.
(B) Amount of My Initial Monthly Payments
My initial monthly payments will be in the amount of U.S. $ 1,535.99 This amount may change to
reflect changes in the interest no that I must pay. The Note Bolder will determine my monthly payment in accordance with
Section 4 of this Note.
4. INTEREST RATE AND MONTHLY PAYMENT CHANGES
(A) Change Dates
The interest rate I will pay may change on the r" day of MAY, 1997 , and on that day of
the mouth every Tw V months theeafter. Bach date on which my interest rate could change is called an Interest
Change Date.
My monthly payment ma change on the first day of JUNE, 1997 , and on that day of
theveryTWELV months thereafter: Each date on which my monthly payment could change is called a Payment
Change i
(B) The Index
Beginning with the first Change Date, my interest rate will be based on an "Index". The Index is the "National Average
Contract Mortgage Rate for Purchase of Previously Occi pied Single Family Homes Combined by all Major Lenders" published
by the Federal Housing Finance Board.The most recent Irndex figure available as of 45 days before each Change Date is called the
Current Index".
If the index is no longer available, the Note Holder will choose a new index which is based upon comparable information.
--. _..- --'IleNote-Holds•willgiv??raticeof•ib-dhoire.-- --._- _ _:...?•?..--?.. _. _.... --------__._._._ ?•s...- - _ _ _. _ .....?.. .. .. _ .
(C) Ca_lenlation of•Changes
Before each Change Date, the Note Holier will calculate my new interest rate by adding -TWO AND ON -HAI F
percentage points ( 2.500 %) to the Current Index. The sum will be my new interest rate. My interest rate will not
be changed by more than 1.7 0 percentage points on any Change Date. My interest rate Will not be changed by more
than 6.000 percentage points over the life of my loan.
The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay in full the principal
I am expected to owe on the Change Date in substantially equal payments by the maturity date at my new interest rate. The result
of this calculation will be the new amount of my monthly payment
(D) Effective Date of Changes
My new interest rate will became effective on each Change Date. I willpay the amount of my new monthly payment
beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again.
(E) Notice of Changes
The Note Holder will mail or deliver to me a notice before each Payment Change Date. The notice will advise me of.
(i) to new interest rate on my loan as of the Change Date;
(ii) the amount of my new monthly payment following the Change Date;
Ohl any additional matters which the Note Holder is required to disclose; and
Cv) the title and telephone number of a person who will answer any question I may have regarding the notices
told 00000008" ACCTt 160062997
SAORROWER'S RIGHT TO PREPAY,
hisve the right to make payments of princpp.-.,; any time before they are due. A payment of principal only is mown as a
"prepayment". When I make a prepayment, I will tell shy Note IlDlder in writing that I am doing so.
I may make a fug p epayment or a.pgtial prepayment without paying any penalty. The Note Holder will use all of my
prepayments to reduce the amount of pnncgW that I owe i nda this Note. If I make a partial prepayment, there will be no delays
in the due dates of my monthly payments unless the Note Hbldei agrees in writing to those delays. MY pfd prepayment will
reduce the amount of my monthly payments on the first Payment Change Date following my partial prepayment. However, any
reduction due to my partial prepayment may be offset by•aninteiest rate increase,
6. LOAN CHARGES
If a law which applies to this loan and which sets maximum loan charges is finally interpreted so that the interest or other loan
charges collected or to be collected in connection with this loan exceed the permitted limits, then: (i) any such loan charge shall
be reduced by the amount necessary to reduce the charge to the permitted limit; and (h) any sums already collected from me which
exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the principal
I owe under this Note or by maldng a direct payment to in& If a refund reduces principai,.the reduction will be treated as a
partial prepayment.
7. BORROWER'S FAILURE TO PAY AS REQUIRED
(A) Late Charge for Overdue Payments
If the Note Holder has not received the full amount of any of my monthly payments by the end of 15 calendar days after
the date it is due, I will pay a hue charge to the, Note Holder, The amount of the charge will be 5% of my overdue payment
of principal and interest I will pay this late charge prrmiptly but only once on any lace payment.
(B) Default
If I do not pay the full amount of each monthly payment on the date it is due, I wig be in default
(C) Notice of Default
If I am in default, the Note Holder may aced me a written notice telling me that if I do not pay the overdue amount by
a certain date the Note Holder may re 4nin: me to pay immediately the full amount of principal which has not been paid and
all the interest that I owe on that amount That date must be at least 30 days after the date on which the notice is marled or
delivered to me.
(D) No Waiver by Note Holder
Even if, at a time which I am in default, the Note Holder does not require me to pay immediately in full as described
above, the Note Holder will sell have the right to do so if I am in default at a later time.
(E) Payment of Note Holder's Costs and Expenses
If the Note Holder has required me to pay immediately in fan as described above, the Note Holder will have the right
to be paid back by me for all its reasonable costs and expenses to the extent not prohibited by applicable law. Those expenses
may include, for example, reasonable attorneys'-fees.
8. GIVING OFNOTICTS
Unless applicable law requires a diflcreot method, any notice that must be given to me under this Note will be given by mailing
it by first class mail or by delivering it to me at the Property Address above or at a different address if I give the Note Holder
a notice of my different address.
Any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note
Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address.
9. OBLIGATIONS OF PERSONS UNDER THIS NOTE
If more than one perm signs this Note, each person is fully and personally obligated to keep all of the promises made in this
Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety, or endorser of this Note is also
obligated to do. these things. Any person who takes over these obligations, including the obligations of a guarantor, surety. of
endorser of this Note, is also obligated to keep all of promises made in this Notes The Note Holder may enforce its rights under
this Note against each person individually or against all of us together . This mean that any one of us may be required to pay
all of the amounts owed under this Note.
10. WAIVERS
I and any other person who has obligations under this Note waive the the tights of presentment and notice of dishonor.
"Presentment' means the tight to require the Note Holder to demand payment of amounts due, 'Notice of dishonor" means the
right to require the Note Holder to give notice to other persons drat amounts due have not been paid.
1L 1W NOTE SECURED BY A SECURITY INS'T'RUMENT
In addition to the protections given to the Note Holder under this Note, a More. Dad of Trust or Dad to Secure Debt
(the "Security Instrument') with an Adjustable Rate Rider, dated the same day as this Note, protects the Note Holder from possible
losses which might result if I do not keep the promises which I make in this Nose. That Security Instrument and Rider describe
how and under what conditions I may be required to make immediate payment in full of all amounts that I owe under this Note.
Some of those conditions are described as follows:
'Transfer of the Property or o Bex91cW Interest in Borrower. If all or any part of the Property or an interest therein is sold
or tranderred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's
prior written consent, Lender may at lender's option, declare all the sums secured by this Security Instrument to be immediately
-- due and payable- However, this option shall not be exertxsed bI endu if wris notauthoriud.t._Ae?ecal laves; -_ -: _-...._:.. _ _ _....
- 'IfPScezcis'es'sruc? ophou oo hicccluate, lutdei shall mail Borrower notice of acceleration in accordance with paragraph
14 hereof, Such notice shall provide a period of not less than 30 days from the date the notice is mailed within which Borrower
may pay the sums declared due- If Borrower fails to pay such suns prior to the expiration of such period; Lender may, without
further notice or demand on Borrower, invoke any remedies permitted by paragraph 18 hereoG
"Notwithstanding a or transfer, Borrower will continue to be obligated under the Note and this Security Instrument unless
Lender h Bmqkw in writing!
Wi a and and the seal(s) of the undersigned
KIM*" o"awar (Scal)
V U arrower (Seld)
CRONYI (S"?/ 1
(Sca1)
A-I Now Margin orrower
1354 (Rey. 5/91) 0=14 0000000184 (Sign Origbw onfy)ACCT1 160062997
ENCLOSURE FOR YOUR INFORMATIC Date: 7/17/96
Re; Paul A. 1lattust 514 Partridge Court , Mechanicsburg P. Otff Flo Nos 96-09
17055 Your Fie No.: 160062997
Lnelosedplease find Coaswnvealth Land Title Insurance Co
'
npany
s Loan Policy in
.reference to the above-described transaction.
Please colaaci us I you have any quawkwis. Sincer
ly,
e
F YOLK HOMAGE CENTER Ll? instant -
101 SOUTH GEORGE STREET to James P. Spade
TO P.O. 801 15068 wawa.
YORE PA 17405-7068 ALLY REID & SPADE
.
L 106.112WAUAMSTRW
PA. Boxes
.. HAnnbaUaq PB*MMV laA 17106
PLUESE, BECKER & SALTZMAN, LLC
Attorneys at Law
ROB SALTZMAN •
RSaltzmanApbslaw.ora
SANFORD J. BECKER
cc er a puslaw.-orb
ROBERT T. PLUESE
RPluesetaa pbslaw.ora
ROBERT F. THOMAS •
RThomas bslaw.ora
20000 HORIZON WAY
SUITE 900
MT. LAUREL, NEW JERSEY 080544318
(856) 813-1700
FACSIMILE: (856) 813-1720
PENNSYLVANIA OFFICE:
425 COMMERCE DRIVE, SUITE 100
FORT WASHINGTON, PA. 19034
(215) 546-3205
Please reply to:
Mt. Laurel, New Jersey
OF COUNSEL:
Katz. Ettin & Levine. P.C.
The LawOffices-oBarbaraA.feinj.C:t_. -
• PA and N1 Bars
Our File #81104
February 5, 2008
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
F ORECLOSURE
This is an official notice that the mortgage on your home is in default, and the lender
intends to foreclose Specific information about the nature of the default is provided in the
attached pages.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to
help to save your home This Notice explains how the program works
To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT
COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take
this Notice with you when you meet with the Counseling Agency.
5,vhlhtf 1AI
The name, address and Rhone number of Consumer Credit Counseling Agencies serving
your County are listed at the end of this Notice. If you have any questions you may call the
Pennsylvania Housing Finance Agency toll free at 1-800-342-2397.(Persons with impaired
hearing can call (717) 0-1869).
This Notice contains important legal information. If you have any questions, representatives
at the Consumer Credit Counseling Agency may be able to help explain it. You may also
want to contact an attorney in your area._The local_.bar a?ociatiotn_may_b? able_to.h?l.p.you .
rind a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU
DERECHO A CONTINUAR VIVIENDO EN SU CASA. ST 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.
HOMEOWNER'S NAME(S): Paul A. Mattus and Pamela S. Mattus
PROPERTY ADDRESS: 514 Partridge Court, Mechanicsburg, PA 17055
LOAN ACCT. NO.: 0356120928
ORIGINAL LENDER: Sovereign Bank
CURRENT LENDER/SERVICER: Sovereign Bank
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR
HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE
PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE
FOR EMERGENCY MORTGAGE ASSISTANCE:
IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND
YOUR CONTROL,
IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR
MORTGAGE PAYMENTS, AND
IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY
THE PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary
stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that
time you must arrange and attend a face-to-face 6eeting;A-4 one o- fhe consumer credit
counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR
WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY
MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE
PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT"
EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer
credit counseling agency listed at the end of this notice, the lender may NOT take action against
you for thirty. (30) days after the date of this meeting. The names, addresses and telephone
numbers of designated consumer credit counseling agencies for the county in which the propert1r
is located are set forth at the end of this Notice. It is. only necessary to schedule one face-to-face
meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the
reasons set forth later in this Notice (see following pages for specific information about the nature
of your default.) If you have tried and are unable to resolve this problem with the lender, you have
the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance
Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency
Assistance Program Application with one of the designated consumer credit counseling agencies
listed at the end of this Notice. Only consumer credit counseling agencies have applications for
the program and they will assist you in submitting a complete application to the Pennsylvania
Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days
of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF
YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS
LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY
.. - - - -- - - AN-D-YOUR APPLICATION-FO-R MORTOAGE-ASSISTANCE-WIL-L 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 filed bankruptcy you can still apply for Emergency Mortgage
Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date).
NATURE OF THE DEFAULT --The MORTGAGE debt held by the above lender on your
property located at 514 Partridge Court, Mechanicsburg PA 17050:
IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS of $2,172.94 since the June
2007 payment (next payment due is July 1, 2007), to the present and the following amounts are
now past due: $17,383.52
Late Charges: $765.00
TOTAL AMOUNT PAST DUE: $20,321.46
B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable):
HOW TO CURE THE DEFAULT --You may cure the default within THIRTY (30) DAYS of
the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER,
WHICH IS $20,321.46, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES
WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made
either by cash, cashier's check, certified check or money order made payable and sent to:
Name of Lender: Sovereign Bank
Address: 601 Penn Street, Reading, PA 19601
You can cure any other default by taking the following action within THIRTY (30) DAYS of the
date of this letter: (Do not use if not applicable.)
YOU DO NOT CURE THE DEFAULT--If you do not cure the default within THIRTY (30)
DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the
mortgage debt. This means that the entire outstanding balance of this debt will be considered due
immediately and you may lose the chance to pay the mortgage in monthly installments. If full
payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also
intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property.
IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by
the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure
the delinquency before the lender 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 attorney's fees actually
incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount
you owe the lender, which may also include other reasonable costs. If you cure the default
within the THIRTY (30) DAY period you will not be required to pay attorney's fees
OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid
principal balance and all other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured
the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you
still have the right to cure the default and prevent the sale at 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 bar
performing any other requirements under the mortgage. Curing your default in the manner set
forth in this notice will restore your mortgage to the same position as if you had never
defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that
such a Sheriffs Sale of the mortgaged property could be held would be approximately 6 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: Sovereign Bank
Address: 601 Penn Street, Reading, PA 19601
Phone Number: 800-753-7366
Contact Person: Mortgage Collections Dept.
EFFECT OF SHERIFF'S SALE -- You should realize that a Sheriffs Sale will end your
ownership of the mortgaged property and your right to occupy it. If you continue to live in the
property after the Sheriffs 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 (CHECK ONE) sell or
transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all
the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and
that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL'THE PROPERTY T OBTAIN O AY F THE
MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING
INSTITUTION TO PAY OFF THIS DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR
BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO
DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO
NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES
IN ANY CALENDAR YEAR.)
TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE
PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE
DOCUMENTS,
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH
ACTION BY THE LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER. CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY
ARE ATTACHED.
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:02 PM
ADAMS County
Adams County Interfaith Housing Authority
40 E High Street
Gettysburg, PA 17325
717.334.1518
American Red Cross - Hanover Chapter
529 Carlisle Street
Hanover, PA 17331
_717:637:3768- ._ ._
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
Maranatha
43 Philadelphia Avenue
Waynesboro, PA 17268
717.762.3285
ALLEGHENY County
Acorn Housing of Pittsburgh
5907 Penn Avenue
Suite 300
Pittsburgh, PA 15206
412.441.7240
Action Housing, Inc
425 6th Avenue
Suite 950
Pittsburgh, PA 15219
412.281.2102
800.792.2801
CCCS of Western PA
River Park Commons
2403 Sidney Street, Suite 400
Pittsburgh, PA 15203
888.511.2227
Community Action Southwest
58 East Greene Street
Waynesburg, PA 15370
724.852.2893
Fair Housing Partnership of Greater Pittsburgh, Inc.
2840 Liberty Avenue
Suite-206 - -
Pittsburgh, PA 15222
412.391.2535
Garfield Jubilee Associates
5138 Penn Avenue
Pittsburgh, PA 15224
412.665.5200
I
Mon Valley Unemployment Committee
1800 West Street
3rd Floor
Homestead, PA 15120
412.462.9962
Nazareth Housing Services
285 Bellevue Road
Pittsburgh, PA 15229
412.931.3510
Neighborhood Housing Services, Inc.
355 Fifth Avenue
Pittsburgh, PA 15222
412.281.9773
Pennsylvania Housing Finance Agency
2275 Swallow Hill Road
Bldg 200
Pittsburgh, PA 15220
412.429.2842
Urban League Of Pittsburgh
Bldg. For Equal Opportunity
One Smithfield St.
Pittsburgh, PA 15222
412.227.4802
ARMSTRONG County
Armstrong County Community Action Agency
124 Armsdale Road
Suite 211
Kittanning, PA 16201
724.548.3405
CCCS of Western PA
Royal Remax Plaza
917 A Logan Boulevard
Altoona, PA 16602
888.511.2227
Indiana Co. Community Action Program
827 Water Street
Box 187
Indiana, PA 15701
724.465.2657
BEAVER County
- - - - -"-AMIUr Housrng, lift-
425 6th Avenue
Suite 950
Pittsburgh, PA 15219
412.281.2102
800.792.2801
CCCS of Western PA
971 Third Street
Beaver, PA 15009
888.511.2227
Page 1 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:03 PM
Housing Opportunities of Beaver County
650 Corporation Street
Suite 207
Beaver, PA 15009
724.728.7511
BEDFORD County
CCCS of Western PA
Royal Remax Plaza
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610.821.4011
800.837.9815
Community Action Committee
of the Lehigh Valley
1337 East Fifth Street
Bethlehem PA 18015
Altoona, PA 16602
888.511.2227
Center for Community Services
10241 Lincoln Highway
Everett, PA 15537
814.623.9129
Huntingdon County Housing Services
Weatherization Inc.
917 Mifflin Street
Huntingdon, PA 16652
814.643.2343
877.984.7462
Keystone Economic Development Corp
1954 Mary Grace Lane
Johnstown, PA 15901
814.535.6556
Tableland Services Inc.
535 East Main Street
Somerset. PA 15501
814.445.9628
800.452.0148
BERKS County
American Credit Counseling Institute
300 North Pottstown Pike
Suite 210
Exton, PA 19341
888.212.6741
American Credit Counseling Institute
937 North Hanover Street
Pottstown, PA 19460
888.212.6741
- American-Financial-Counseling-Services - -
906 Penn Avenue
Wyomissing, PA 19610
610.780.0680
800.490.3039
Budget Counseling Center
247 North Fifth Street
Reading, PA 19601
610.375.7866
610.691.5620
Neighborhood Housing Services of Reading
213 N 5th Street
Suite 1030
Reading, PA 19601
610.372.8433
Schuylkill Community Action
225 N. Centre Street
Pottsville. PA 17901
570.622.1995
BLAIR County
Blair County Community Action Agency
2100 6th Avenue
Suite 102
PO Box 1833
Altoona, PA 16602
814.946.3651
CCCS of Northeastern PA
202 W. Hamilton Avenue
State College, PA 16801
814.238.3668
800.922.9537
CCCS of Western PA
Royal Remax Plaza
917 A Logan Boulevard
Altoona, PA 16602
888.511.2227
Center for Community Services
10241 Lincoln Highway
Everett, PA 15537
814.623.9129
Huntingdon County Housing Services
917 Mifflin Street
Huntingdon, PA 16652
814.643.2343
877.984.7462
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814.535.6556
Page 2 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:03 PM
BRADFORD County
CCCS of Northeastern PA
411 Main Street
Suite 104
Stroudsburg, PA 18360
570.420.8980
800.922.9537
CCCS of Northeastern PA
'401-Lawersubti "-
Pittston, PA 18640
570.602.2227
800.922.9537
The Trehab Center of Northeastern PA
The Enterprise Center
703 S. Elmer Avenue Suite M.6
Sayre, PA 18840
570.888.0412
800.982.4045
The Trehab Center of Northeastern PA
1225 Main Street
Honesdale, PA 18431
570.253.8941
800.982.4045
BUCKS County
Acorn Housing Corporation
846 North Broad Street
Philadelphia. PA 19130
215.765.1221
American Credit Counseling Institute
300 North Pottstown Pike
Suite 210
Exton, PA 19341
888.212.6741
American Credit Counseling Institute
937 North Hanover Street
Pottstown, PA 19460
888.212.6741
American Credit Counseling Institute
530 West Street Road
Suite 201
Warminster, PA 18974
215.444.9429
888.212.6741
American Credit Counseling Institute
845 Coates Street
Coatesville, PA 19320
888.212.6741
American Financial Counseling Services
175 Strafford Avenue, Suite One
Wayne, PA 19087
267.228.7903
800.490.3039
Bucks County Housing Group
200 West Bridge Street
Morrisville, PA 19067
866.866.0280
Bucks County Housing Group
515 West End Boulevard
Quakertown, PA 18951
866.866.0280
Bucks County Housing Group
349 Durham Road
Penndel, PA 19047
866.866.0280
Bucks County Housing Group
2324 Second Street Pike
Suite 17
Wrightslown, PA 18940
866.866.0280
Bucks County Housing Group
470 Old Dublin Pike
Doylestown, PA 18901
866.866.0280
CCCS of Delaware Valley
Catholic Social Services Building
7340 Jackson Street
Philadelphia, PA 19136
215.563.5665
CCCS of Delaware Valley
1230 New Rodgers Road
Suite F1
Bristol, PA 19007
215.563.5665
CCCS of Delaware Valley
1515 Market Street
Suite 1325
Philadelphia, PA 19107
215.563.5665
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610.821.4011
800.837.9815
Credit Counseling Center
832 Second Street Pike
Richboro, PA 18954
215.396.1880
Page 3 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/1212006 12:02:03 PM
Diversified Community Services
Dixon House
1920 South 20th Street
Philadelphia, PA 19145
215.336.3511
FOB CDC
1201 West Olney Avenue
Phialdelphia, PA 19141
215.549.8755
Germantown Settlement
5538 Wayne Avenue
Bldg C
Philadelphia, PA 19144
215.849.3104
CCCS of Western PA
219.A College Park Plaza
Johnstown, PA 15904
888.511.2227
Center for Community Services
10241 Lincoln Highway
Everett, PA 15537
814.623.9129
827 Water Street
Box 187
Indiana, PA 15701
724.465.2657
HACE Keystone Economic Development Corp.
167 W. Allegheny Avenue
1
954 Mary Grace Lane
2nd FI Johnstown, PA 15901
Philadelphia, PA 19140 814.535.6556
215.426.8025 Tableland Services Inc.
Northwest Counseling Service 535 East Main Street
5001 North Broad Street Somerset, PA 15501
Philadelphia, PA 19141 814.445.9628
215.324.7500
800.452.0148
Urban League of Philadelphia The NORCAM Group
1818 Market Street
4200 Crawford Avenue
20th Floor Suite 200
Philadelphia, PA 19103 Northern Cambria, PA 15714
215.561.6070 814.948.4444
BUTLER County CAMERON County
Action Housing, Inc
CCCS of Westen PA
425 6th Avenue The Franklin Center
Suite 950 524 Franklin Avenue
Pittsburgh, PA 15219 Aliquippa, PA 15001
412.281.2102 888.511.2227
800.792.2801 Northern Tier Community Action Cor
CCCS of Western PA p.
P.O. Box 389
Butter County Career Link 135 West 41h Street
Pullman Commerce Center Emporium, PA 15834
112 Hollywood Drive 814.486.1161
Butler, PA 16001
888.511.2227 CARBON County
_ -CAMBRIA?County_.
. CCCS of Lehigh Valley
-
3671 Cresiebt
Cbu`tEasi
CCCS of Western PA Whitehall, PA 18052
Royal Remax plaza 610.821.4011
917 A Logan Boulevard 800.837.9815
Altoona, PA 16602
888.511.2227 CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
Page 4 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:03 PM
CCCS of Northeastern PA
411 Main Street
Suite 104
Stroudsburg, PA 18360
570.420.8980
800.922.9537
Comm. on Econ Opportunity of Luzerne County
163 Amber Lane
Wilkes.Bane, PA 18702
American Credit Counseling institute
845 Coates Street
Coatesville, PA 19320
888.212.6741
American Credit Counseling Institute
21 South Church Street
West Chester, PA 19380
888.212.6741
570.826.0510 American Financial Counseling -Seviies
800.822.0359 175 Strafford Avenue, Suite One
Wayne, PA 19087
Community Action Committee 267.228.7903
of the Lehigh Valley 800.490.3039
1337 East Fifth Street
Bethlehem, PA 18015 American Red Cross of Chester
610.691.5620 1729 Edgemont Avenue
Chester, PA 19013
Schuylkill Community Action 610.874.1484
225 N. Centre Street
Pottsville, PA 17901 APM
570.622.1995 2147 North Sixth Street
Philadelphia, PA 19122
CENTRE County 215.235.6788
CCCS of Northeastern PA Budget Counseling Center
202 W. Hamilton Avenue 247 North Fifth Street
Stale College, PA 16801 Reading, PA 19601
814.238.3668 610.375.7866
800.922.9537
CCCS of Northeastern PA Carroll Park Community Council, Inc.
201
Basin Street 5218 Master Street
Suite 6
Suite Philadelphia, PA 19131
Williamsport, PA 17701 215.877.1157
570.323.6627 CCCS of Delaware Valley
800.922.9537 790 E. Market St.
CCCS of Western PA Suite 170, Marshall Building
Royal
Remax Plaza West Chester, PA 19382
917 A Logan Boulevard 215.563.5665
Altoona, PA 16602 Chester Community Improvement Project
888.511.2227 412 Avenue of the States
Lycom.Cintn Co Comm fo Comm Action PO Box 541
2138 Lincoln Street Chester, PA 19016
P.O. Box 3568 610.876.8663
V1878amsport, PA 17703 Diversified Community Services
-570.326_0587_ - Dixon House
1920 South 20th Street
CHESTER County
Philadelphia, PA 19145
Acorn Housing Corporation 215.336.3511
846 North Broad Street FOB CDC
Philadelphia, PA 19130
215.765.1221 1201 West Olney Avenue
Phialdeiphta, PA 19141
215.549.8755
Page 5 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:03 PM
Germantown Settlement
5538 Wayne Avenue CLEARFIELD County
Bldg C CCCS of Northeastern PA
Philadelphia, PA 19144 202 W. Hamilton Avenue
215.849.3104 State College, PA 16801
HACE 814.238.3668
167 W. Allegheny Avenue 000.922.9537
2nd FI CCCS of Western PA
Philadelphia, PA 19140 Royal Remax Plaza
215.426.8025 -'" 117 A-Cogan Boulevard-
Housing Partnership of Chester Count Altoona, PA 16602
y
41 West Lancaster Ave 888.511.2227
Downingtown, PA 19335 CCCS of Western PA
610.518.1522 219.A College Park Plaza
Media Fellowship House Johnstown, PA 15904
302 South Jackson Street 888'511'2227
Media, PA 19063
610-565
0434 Indiana Co. Community Action Program
. 827 Water Street
Northwest Counseling Service Box 187
5001 North Broad Street Indiana, PA 15701
Philadelphia, PA 19141 724.465.2657
215.324.7500 Keystone Economic Development Cor
Phila Council For Community Advmnt p.
1954 Mary Grace Lane
100 North 171h Street Johnstown, PA 15901
Suite 600 814.535.6556
Philadelphia, PA 19103 The NORCAM Group
215.567.7803 4200 Crawford Avenue
800.930.4663 Suite 200
Tabor Community Services, Inc. Northern Cambria, PA 15714
308 E King Street 814.948.4444
Suite 1
Lancaster, PA 17602 CLINTON County
717.397.5182 CCCS of Northeastern PA
800.788.5062 202 W. Hamilton Avenue
Urban League of Philadelphia State College, PA 16801
1818 Market Street 814.238.3668
20th Floor 800.922.9537
Philadelphia, PA 19103 CCCS of Northeastern PA
215.561.6070 201 Basin Street
CLARION County Suite 6
W
illiamsport, PA 17701
CCCS of Western PA 570.323.6627
- E
Fud6r -Courtly Career LLink - - ' ' - - - - " - -
800.922.9537
Pullman Commerce Center
112 Hollywood Drive Lycom.Clntn Co Comm fo Comm Action
Butler, PA 16001 2138 Lincoln Street
888.511.2227 P.O. Box 3568
Williamsport, PA 17703
570.326.0587
Page 6 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:03 PM
COLUMBIA County Loveship, Inc.
CCCS of Northeastern PA 2320 North 5th Street
401 Laurel Street Harrisburg, PA 17110
Pittston, PA 18640 717.232.2207
570.602.2227 Maranatha
800.922.9537 43 Philadelphia Avenue
CRAWFORD County Waynesboro, PA 17268
717.762.3285
-Booker T:Washington Center
1720 Holland Street
Erie, PA 16503 211 North Front Street
814.453.5744 Harrisburg, PA 17110
717.780.3940
CCCS of Western PA 800.342.2397
4402 Peach Street
Erie, PA 16509 DAUPHIN County
888.511.2227 ext
108 Acorn Housing
14 S. 13th Street
Center for Family Services, Inc- Harrisburg, PA 17104
213 Center Street 717.213.0150
Meadville, PA 16335
814.337.8450 CCCS of Western PA
2000 Linglestown Road
Greater Erie Community Action Committee Harrisburg, PA 17102
18 West 9TH Street 888.511.2227
Erie, PA 165 16501
814.459.4581 Community Action Commission of Captial Region
1514 Derry Street
Shenango Valley Urban League, Inc. Harrisburg, PA 17104
601 Indiana Avenue 717.232.9757
Farrell, PA 16121
724.981.5310 Loveship, Inc.
2320 North 5th Street
St. Martin Center Harrisburg, PA 17110
1701 Parade Street 717.232.2207
Erie, PA 16503
814.452.6113 PHFA
211 North Front Street
CUMBERLAND County Harrisburg, PA 17110
Acorn Housing 717.780.3940
14 S. 13th Street 800.342.2397
Harrisburg, PA 17104 DELAWARE County
717.213.0150
Acorn Housing Corporation
Adams County Interfaith Housing Authority 846 North Broad Street
40 E High Street Philadelphia, PA 19130
Gettysburg, PA 17325 215.765.1221
717.334.1518 _ - -
American Credit Counseling Institute
CCCS of Western PA 175 Strafford Avenue
20W Linglestown Road Suite 1
Harrisburg, PA 17102 Wayne, PA 19087
888.511.2227 610.971.2210
Community Action Commission of Captial Region 888.212.6741
1514 Derry Street
Harrisburg, PA 17104
717.232.9757
Page 7 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:03 PM
American Financial Counseling Services
175 Strafford Avenue, Suite One
Wayne, PA 19087
267.228.7903
800.490.3039
American Financial Counseling Services
1 Abington Plaza, Suite 403
Old York Road and Township Line
Jenkintown, PA 19046
267.228.7903
800.490.3039
American Red Cross of Chester
1729 Edgemont Avenue
Chester, PA 19013
610.874.1484
APM
2147 North Sixth Street
Philadelphia, PA 19122
215.235.6788
Carroll Park Community Council, Inc.
5218 Master Street
Philadelphia. PA 19131
215.877.1157
CCCS of Delaware Valley
280 North Providence Road
Media, PA 19063
215.563.5665
CCCS of Delaware Valley
790 E. Market St.
Suite 170, Marshall Building
West Chester, PA 19382
215.563.5665
CCCS of Delaware Valley
1515 Market Street
Suite 1325
Philadelphia, PA 19107
215.563.5665
Chester Community Improvement Project
412 Avenue of the States
PO Box 541
Chester, PA 19016
610.876.8663
Diversified Community Services
Dixon House
1920 South 20th Street
Philadelphia, PA 19145
215.336.3511
FOB CDC
1201 West Olney Avenue
Phialdeiphla, PA 19141
215.549.8755
Germantown Settlement
5538 Wayne Avenue
Bldg C
Philadelphia, PA 19144
215.849.3104
HACE
167 W. Allegheny Avenue
2nd FI
Philadelphia, PA 19140
215.426.8025
Housing Partnership of Chester County
41 West Lancaster Ave
Downingtown, PA 19335
610.518.1522
Media Fellowship House
302 South Jackson Street
Media, PA 19063
610.565.0434
Northwest Counseling Service
5001 North Broad Street
Philadelphia, PA 19141
215.324.7500
Phila Council For Community Advmnt
100 North 17th Street
Suite 600
Philadelphia, PA 19103
215.567.7803
800.930.4663
Urban League of Philadelphia
1818 Market Street
20th Floor
Philadelphia, PA 19103
215.561.6070
ELK County
Northern Tier Community Action Corp.
P.O. Box 389
135 West 4th Street
Emporium, PA 15834
814.486.1161
ERIE County
- -- -BbalcerrT.-Wasningtori Cen-tei -
1720 Holland Street
Erie, PA 16503
814.453.5744
CCCS of Western PA
4402 Peach Street
Erie, PA 16509
888.511.2227 ext
108
Page 8 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:04 PM
Greater Erie Community Action Committee American Red Cross - Hanover Chapter
18 West 9TH Street 529 Carlisle Street
Erie, PA 16501 Hanover, PA 17331
814.459.4581 717.637.3768
St. Martin Center
1701 Parade Street
Erie, PA 16503
814.452.6113
Voices fbr Ihdependehce
3711 West 12th Street
Erie, PA 16505
800.838.9890
FAYETTE County
Action Housing, Inc
425 6th Avenue
Suite 950
Pittsburgh, PA 15219
412.281.2102
800.792.2801
CCCS of Western PA
1 North Gate Square
#2 Garden Center Drive
Greensburg, PA 15601
888.511.2227
Community Action Southwest
58 East Greene Street
Waynesburg, PA 15370
724.852.2893
CCCS of Western PA
Colonial Shopping Center
970 S. George St
York, PA 17403
- - - - - - - 888.5112M.
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
Community Action Commission of Captial Region
1514 Derry Street
Harrisburg, PA 17104
717.232.9757
Maranatha
43 Philadelphia Avenue
Waynesboro, PA 17268
717.762.3285
FULTON County
Fayette Co. Community Action Agency, Inc.
137 North Beeson Avenue
Uniontown, PA 15401
724.437.6050
800.427.INFO
Tableland Services Inc.
535 East Main Street
Somerset, PA 15501
814.445.9628
800.452.0148
FOREST County
Warren-Forest Counties Economic Opportunity Council
1208 Pennsylvania Ave;-West- - - - - - - - - - - -
P.O. Box 547
Warren, PA 16365
814.726.2400
FRANKLIN County
Adams County Interfaith Housing Authority
40 E High Street
Gettysburg, PA 17325
717.334.1518
CCCS of Western PA
Colonial Shopping Center
970 S. George St
York, PA 17403
888.511.2227
Center for Community Services
10241 Lincoln Highway
Everett, PA 15537
814.623.9129
Huntingdon County Housing Services
Weatherizallon Inc.
917 Mifflin Street
Huntingdon, PA 16652
814.643.2343
877.984.7462
Maranatha
43 Philadelphia Avenue
Waynesboro, PA 17268
717.762.3285
GREENE County
Action Housing, Inc
425 6th Avenue
Suite 950
Pittsburgh, PA 15219
412.281.2102
800.792.2801
Page 9 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:04 PM
CCCS of Western PA JEFFERSON County
1 North Gate Square
#2 Garden Center Drive CCCS of Western PA
Greensburg, PA 15601 Butler County Career Link
888 511 2227 Pullman Commerce Center
112 Hollywood Drive
Community Action Southwest Butler, PA 16001
58 East Greene Street 888,511,2227
Waynesburg, PA 15370
724.852.2893 Indiana Co. Community Action Program
-827-Wim Street-
HUNTINGDON County Box 187
Indiana, PA 15701
CCCS of Northeastern PA
724.465.2657
202 W. Hamilton Avenue
State College, PA 16801
814.238.3668
800.922.9537
CCCS of Western PA
Royal Remax Plaza
917 A Logan Boulevard
Altoona, PA 16602
888.511.2227
Center for Community Services
10241 Lincoln Highway
Everett, PA 15537
814.623.9129
Huntingdon County Housing Services
Weatherization Inc.
917 Mifflin Street
Huntingdon, PA 16652
814.643.2343
877.984.7462
INDIANA County
CCCS of Western PA
219.A College Park Plaza
Johnstown, PA 15904
888.511.2227
CCCS of Western PA
1 North Gate Square
#2 Garden Center Drive
Greensburg, PA 15601
888.511.2227
- -Indiana Co. Community-Action Program - -
827 Water Street
Box 187
Indiana, PA 15701
724.465.2657
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814.535.6556
JUNIATA County
CCCS of Northeastern PA
202 W. Hamilton Avenue
State College, PA 16801
814.238.3668
800.922.9537
CCCS of Western PA
Royal Remax Plaza
917 A Logan Boulevard
Altoona, PA 16602
888.511.2227
Huntingdon County Housing Services
Weatherization Inc.
917 Mifflin Street
Huntingdon, PA 16652
814.643.2343
877.964.7462
LACKAWANNA County
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
LANCASTER County
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610.821.4011
- '" - -800-.837:9815-- - - -
CCCS of Western PA
Colonial Shopping Center
970 S. George St
York, PA 17403
888.511.2227
Page 10 of 1B
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:04 PM
Tabor Community Services, Inc. Schuylkill Community Action
308 E King Street 225 N. Centre Street
Suite 1 Pottsville, PA 17901
Lancaster, PA 17602 570.622.1995
717.397.5182
600.788.5062 LUZERNE County
LAWRENCE County Comm. on Econ Opportunity of Luzerne County
163 Amber Lane
CCCS of Western PA Wilkes.Barre, PA 18702
312 Ch sFnul SUeet
... .
570.826.657-16
' - -
Suite 227 800.822.0359
Meadville, PA 16335
888.511.2227
Housing Opportunities of Beaver County
650 Corporation Street
Suite 207
Beaver, PA 15009
724.728.7511
Lawrence County Social Services, Inc.
PO Box 189
241 West Grant Street
New Castle, PA 16103
724.658.7258
724.658.7664
Shenango Valley Urban League, Inc.
601 Indiana Avenue
Farrell, PA 16121
724.981.5310
LEBANON County
Schuylkill Community Action
225 N. Centre Street
Pottsville, PA 17901
570.622.1995
Tabor Community Services, inc.
308 E King Street
Suite 1
Lancaster, PA 17602
717.397.5182
800.788.5062
LEHIGH County
CCCS of Lehigh Valley
- - - 3&71 Crescent Court East -
Whitehall, PA 18052
610.821.4011
800.837.9815
Community Action Committee
of the Lehigh Valley
1337 East Fifth Street
Bethlehem, PA 18015
610.691.5620
Schuylkill Community Action
225 N. Centre Street
Pottsville, PA 17901
570.622.1995
LYCOMING County
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
CCCS of Northeastern PA
201 Basin Street
Suite 6
Williamsport, PA 17701
570.323.6627
800.922.9537
Lycom.Clntn Co Comm fo Comm Action
2138 Lincoln Street
P.O. Box 3568
Williamsport, PA 17703
570.326.0587
MCKEAN County
Northern Tier Community Action Corp
P.O. Box 389
135 West 4th Street
Emporium, PA 15834
814.486.1161
MERCER County
CCCS of Western PA
Butler6ounty-Greer Link-
Pullman Commerce Center
112 Hollywood Drive
Butler, PA 16001
888.511.2227
Shenango Valley Urban League, Inc.
601 Indiana Avenue
Farrell, PA 16121
724.981.5310
Page 11 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:04 PM
MIFFLIN County American Credit Counseling Institute
CCCS of Northeastern PA 528 Dekalb Street
202 W. Hamilton Avenue Norristown, PA 19401
Slate College, PA 16801 610.971.2210
814.238.3668 888.212.6741
800.922.9537 American Credit Counseling Institute
CCCS of Western PA 530 West Street Road
Royal Remax Plaza Suite 201
917-A Logan-Boulevard - -Warmi stjel. P9. 113974
Altoona, PA 16602 215.444.9429
888.511.2227 888.212.6741
Huntingdon County Housing Services American Credit Counseling Institute
Weatherization Inc. 845 Coates Street
917 Mifflin Street Coatesville, PA 19320
Huntingdon, PA 16652 888.212.6741
814.643.2343 American Financial Counseling Services
877.984.7462 175 Strafford Avenue, Suite One
MONROE County Wayne, PA 19087
267.228.7903
CCCS of Northeastern PA 800.490.3039
401 Laurel Street
Pittston, PA 18640 American Financial Counseling Services
570.602.2227 1 Abington Plaza, Suite 403
800.922.9537 Old York Road and Township Line
Jenkintown, PA 19046
CCCS of Northeastern PA 267.228.7903
411 Main Street 800.490.3039
Suite 104
Stroudsburg, PA 18360 CCCS of Delaware Valley
570.420.8980 1777 Sentry Parkway West
800.922.9537 Suite 200
Blue Bell, PA 19422
Community Action Committee 215.563.5665
of the Lehigh Valley
1337 East Fifth Street CCCS of Delaware Valley
Bethlehem, PA 18015 1515 Market Street
610.691.5620 Suite 1325
Philadelphia, PA 19107
MONTGOMERY County 215.563.5665
Acorn Housing Corporation Chester Community Improvement Project
846 North Broad Street 412 Avenue of the States
Philadelphia, PA 19130 PO Box 541
215.765.1221 Chester, PA 19016
American Credit Counseling Institute 610.876.8663
- 300 North-Pottstown Pike--- - - - - - Community Action Development Comm
Suite 210 CADCOM
Exton, PA 19341 113 E Main St
888.212.6741 Norristown. PA 19401
American Credit Counseling Institute 610.277.6363
937 North Hanover Street Germantown Settlement
Pottstown, PA 19460 5538 Wayne Avenue
888.212.6741 Bldg C
Philadelphia, PA 19144
215.849.3104
Page 12 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:04 PM
Housing Partnership of Chester County Schuylkill Community Action
41 West Lancaster Ave 225 N. Centre Street
Downingtown, PA 19335 Pottsville, PA 17901
610.518.1522 570.622.1995
Media Fellowship House PERRY County
302 South Jackson Street
Media, PA 19063 CCCS of Western PA
610.565.0434 2000 Lingleslown Road
Harrisburg. PA 17102
NortfiwesC Counseling Service 888.511.2227
5001 North Broad Street
Philadelphia, PA 19141 Community Action Commission of Captial Region
215.324.7500 1514 Derry Street
Harrisburg, PA 17104
Phila Council For Community Advmnt 717.232.9757
100 North 171h Street
Suite 600 Huntingdon County Housing Services
Philadelphia, PA 19103 Weatherization Inc.
215.567.7803 917 Mifflin Street
800.930.4663 Huntingdon. PA 16652
814.643.2343
MONTOUR County 677.984.7462
CCCS of Northeastern PA Loveship, Inc.
401 Laurel Street 2320 North 5th Street
Pittston, PA 18640 Harrisburg, PA 17110
570.602.2227 717.232.2207
800.922.9537
NORTHAMPTON County
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610.821.4011
800.837.9815
Community Action Committee
of the Lehigh Valley
1337 East Fifth Street
Bethlehem, PA 18015
610.691.5620
NORTHUMBERLAND County
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537 _ __
CCCS of Northeastern PA
201 Basin Street
Suite 6
Williamsport, PA 17701
570.323.6627
800.922.9537
Maranatha
43 Philadelphia Avenue
Waynesboro, PA 17268
717.762.3285
PHILADELPHIA County
Acorn Housing Corporation
846 North Broad Street
Philadelphia, PA 19130
215.765.1221
American Credit Counseling Institute
530 West Street Road
Suite 201
Warminster, PA 18974
215.444.9429
888.212.6741
American Credit Counseling Institute
845 Coates Street
Coatesville, PA 19320
888.212.6741
American Financial Counseling Services
175 Strafford Avenue, Suite One
Wayne, PA 19087
267.228.7903
800.490.3039
Page 13 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7112/2006 12:02:04 PM
APM HACE
2147 North Sixth Street 167 W. Allegheny Avenue
Philadelphia, PA 19122 2nd Fl
215.235.6788 Philadelphia, PA 19140
Carroll Park Community Council, Inc.
215.426.8025
5218 Master Street Housing Association of Delaware Valley
Philadelphia. PA 19131 1500 Walnut Street
215.877.1157 Suite 601
._ CCCS-of-Delaware-Valley Philadelphia, PA 19102
- - - - - - -
One Cherry Hill 215.545.6010
Suite 215 Housing Association of Delaware Valley
Cherry Hill, PA 08002 658 North Watts Street
215.563.5665 Philadelphia, PA 19123
CCCS of Delaware Valley
215.978.0224
Catholic Social Services Building Inercultural Family Services, Inc.
7340 Jackson Street 4225 Chestnut Street
Philadelphia, PA 19136 Philadelphia, PA 19104
215.563.5665 215.386.1298
CCCS of Delaware Valley Korean Community Development Services Center
1515 Market Street 6055 North 5th Street
Suite 1325 Philadelphia, PA 19120
Philadelphia, PA 19107 215.276.8830
215.563.5665
Liberty Resources
Chester Community Improvement Project 1342 North Delaware Avenue
412 Avenue of the States Suite 105
PO Box 541 Philadelphia, PA 19125
Chester, PA 19016 215.634.2000
610.876.8663
Mt. Airy, USA
Council of Spanish Speaking Organization 6703 Germantown Avenue
705-09 North Franklin Street Suite 200
Philadelphia, PA 19123 Philadelphia, PA 19119
215.627.3100 215.844.6021
Diversified Community Services Northwest Counseling Service
Dixon House 5001 North Broad Street
1920 South 20th Street Philadelphia, PA 19141
Philadelphia, PA 19145 215.324.7500
215.336.3511
Nueva Esperanza
FOB CDC 4261 North 5th Street
1201 West Olney Avenue Philadelphia, PA 19140
Phialdelphia, PA 19141 215.324.0746
215.549.8755
Phila Council For Communit)
Advmnt
ran ford CDC- - .. - - - , - - - -- - - . _ .
_ _ _ - - - --- . - - . . -. - . . _ . - _
-
100 North 17th Street
4625 Frankford Avenue Suite 600
2nd Floor Philadelphia, PA 19103
Philadelphia, PA 19124 215.567.7803
215.743.9201 800.930.4663
Germantown Settlement
5538 Wayne Avenue
Bldg C
Philadelphia, PA 19144
215.849.3104
Page 14 01 18
Philadelphia Senior Center
509 South Broad Street
Philadelphia, PA 19147
215.546.5879
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:04 PM
South Philadelphia H.O.M.E.S.
1444 Point Breeze Avenue
Philadelphia, PA 19146
215.334.4430
Southwest Community Development Corporation
6328 Paschall Avenue
Philadelphia, PA 19142
215.729.0800
United Communities'Sbut6easfphiradarphia - ° `
2029 South 8th Street
Philadelphia, PA 19148
215.467.8700
Urban League of Philadelphia
1818 Market Street
20th Floor
Philadelphia, PA 19103
215.561.6070
West Oak Lane CDC
6259 Limekiln Pike
Philadelphia, PA 19141
215.224.0880
PIKE County
Comm. on Econ Opportunity of Luzerne County
163 Amber Lane
Wilkes.Barre, PA 18702
570.826.0510
800.822.0359
Schuylkill Community Action
225 N. Centre Street
Pottsville, PA 17901
570,622..1.99
SNYDER County
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
Community Action Commission of Captial Region
1514 Deny Street
Harrisburg, PA 17104
717.232.9757
SOMERSET County
CCCS of Western PA
219.A College Park'Plaza
Johnstown, PA 15904
888.511.2227
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
CCCS of Northeastern PA
411 Main Street
Suite 104
Stroudsburg, PA 18360
570.420.8980
800.922.9537
POTTER County
Northern Tier Community Action Corp.
P.O. Box 389
135 West 4th Street
Emporium, PA 15834
814.486.1161
SCHUYLKILL County
Budget Counseling Center
247 North Fifth Street
Reading, PA 19601
610.375.7866
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610.821.4011
800.837.9815
CCCS of Western PA
1 North Gate Square
#2 Garden Center Drive
Greensburg, PA 15601
888.511.2227
Center for Community Services
10241 Lincoln Highway
Everett, PA 15537
814.623.9129
Fayette Co. Community Action Agency, inc.
137 North Beeson Avenue
Uniontown, PA 15401
724.437.6050
800.427.INFO
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
1 3?.655(i
Tableland Services Inc.
535 East Main Street
Somerset, PA 15501
814.445.9628
800.452.0148
Page 15 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/1212006 12:02:04 PM
SULLIVAN County.
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
The Trehab Center of Northeastern PA
1225 Main Street
Honesdale, PA '18431
570.253.8941
800.982.4045
The Trehab Center of Northeastern PA
German Street
P.O. Box 389
Dushore, PA 18614
570.928.9667
800.982.4045
SUSQUEHANNA County
The Trehab Center of Northeastern PA
1225 Main Street
Honesdale, PA 18431
570.253.8941
800.982.4045
The Trehab Center of Northeastern PA
10 Public Avenue
PO Box 366
Montrose, PA 18801
570.278.3338
800.982.4045
TIOGA County
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
The Trehab Center of Northeastern PA
144 E. East Avenue
UNION County
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
CCCS of Northeastern PA
201 Basin Street
Suite 6-- -- -- _.- - ... .
Williamsport, PA 17701
570.323.6627
800.922.9537
CCCS of Western PA
Royal Remax Plaza
917 A Logan Boulevard
Altoona, PA 16602
888.511.2227
Lycom.Clntn Co Comm fo Comm Action
2138 Lincoln Street
P.O. Box 3568
Williamsport, PA 17703
570.326.0587
VENANGO County
CCCS of Western PA
Butler County Career Link
Pullman Commerce Center
112 Hollywood Drive
Butler, PA 16001
888.511.2227
Center for Family Services, Inc.
213 Center Street
Meadville, PA 16335
814.337.8450
Greater Erie Community Action Committee
18 West 9TH Street
Erie, PA 16501
814.459.4581
Wellsboro, PA 16901 St. Martin Center
570.724.5252 1701 Parade Street
800.982.4045 Erie, PA 16503
814.452.6113
The -Trehab Center of Nath863tern PA " - ' " - - - - - - - - - ' - - _ _ ..
1225 Main Street WARREN County
Honesdale, PA 18431
570.253.8941 Booker T. Washington Center
800.982.4045 1720 Holland Street
Erie, PA 16503
814.453.5744
Page 16 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:04 PM
CCCS of Western PA WAYNE County
4402 Peach Street
Erie, PA 16509 CCCS of Northeastern PA
888.511.2227 ext 401 Laurel Street
108 Pittston, PA 18640
570.602.2227
Greater Erie Community Action Committee 800.922.9537
18 West 9TH Street
Erie, PA 16501
814.459.4581
St. Martin Center
1701 Parade Street
Erie, PA 16503
814.452.6113
Warren-Forest Counties Economic Opportunity Council
1209 Pennsylvania Ave, West
P.O. Box 547
Warren. PA 16365
814.726.2400
WASHINGTON County
Action Housing, Inc
425 6th Avenue
Suite 950
Pittsburgh, PA 15219
412.281.2102
800.792.2801
CCCS of Western PA
1 North Gate Square
#2 Garden Center Drive
Greensburg, PA 15601
888.511.2227
CCCS of Western PA
41 East Chestnut Street
Washington, PA 15301
888.511.2227
Community Action Southwest
150 West Beau Street
Suite 304
Washington, PA 15301
724.225.9550
Community Action Southwest
58 East Greene Street
Waynesburg. PA 15370
724.852.2893
CCCS of Northeastern PA
411 Main Street
Suite 104
Stroudsburg, PA 18360
570.420.8980
800.922.9537
The Trehab Center of Northeastern PA
1225 Main Street
Honesdale, PA 18431
570.253.8941
800.982.4045
WESTMORELAND County
Action Housing, Inc
425 6th Avenue
Suite 950
Pittsburgh, PA 15219
412.281.2102
800.792.2801
CCCS of Western PA
1 North Gate Square
#2 Garden Center Drive
Greensburg, PA 15601
888.511.2227
Community Action Southwest
58 East Greene Street
Waynesburg, PA 15370
724.852.2893
Indiana Co. Community Action Program
827 Water Street
Box 187
Indiana. PA 15701
724.465.2657
Keystone Economic Development Corp.
1954 Mary Grace Lane
_ Johnstowr?,. PA 15901
814.535.6556
Mon Valley Unemployment Committee
Mon Valley Unemployment Committee 1800 West Street
1800 West Street 3rd Floor
3rd Floor Homestead, PA 15120
Homestead, PA 15120 412.462.9962
412.462.9962
Page 17 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:05 PM
Tableland Services Inc.
535 East Main Street
Somerset, PA 15501
814.445.9628
800.452.0148
WYOMING County
CCCS of Northeastern PA
401 Laurel Street
Pitlslon,-PA'"1'8640
570.602.2227
800.922.9537
Comm. on Econ Opportunity of Luzerne County
163 Amber Lane
Wilkes.Barre, PA 18702
570.826.0510
800.822.0359
The Trehab Center of Northeastern PA
115 SR 92S
Tunkhannock, PA 18657
570.836.6840
800.982.4045
The Trehab Center of Northeastern PA
1225 Main Street
Honesdale, PA 18431
570.253.8941
800.982-4045
YORK County
Adams County Interfaith Housing Authority
40 E High Street
Gettysburg, PA 17325
717.334.1518
American Red Cross - Hanover Chapter
529 Carlisle Street
Hanover, PA 17331
717.637.3768
CCCS of Western PA
2000 Lingiestown Road
Harrisburg. PA 17102
888.511.2227
CCCS of Western PA
- - - ern hopping-Center
970 S. George St
York, PA 17403
888.511-2227
Housing Alliance of York
35 South Duke Street
York, PA 17401
717.854.1541
Page 18 of 18
7160 3901 9845 3935 9666
T?amela S. Mattus
3810 Market Street
Camp Hill, PA 17011
SENDER: Je
81104acts
REFERENCE:
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amela S. Mattus
514 Partridge Court
rl Mechanicsburg, PA 17055
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SENDER: Je
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RECEIPT
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ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
Date of Notice: October 29, 2007
PAUL A MATTUS.
3810 MARKET STREET
CAMP HILL PA 17011
Loan # 0356120928
This is an official notice that the mortgage on your home is in default and the lender intends to
foreclose. Specific information about the nature of the default is provided in the attached pages
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to
save your home. This Notice explains how the program works.
To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING
AGENCY WITHIN 30 DAYS OF THE DATE OF THIS'NOTICE. Take this Notice with you when
you meet witb the Counseling Agency.
The name, address and phone number of Consumer Credit Counseling Agencies serving your
County are listed at the end of this Notice. If you have any questions you may call the Pennsylvania
Housing Finance Agency toll free at 1-800-342-2397.(Persons with impaired hearing can call (717)
780-1869).
This Notice contains important legal information. If you have any questions representatives at the
Consumer Credit Counseling Agency may be able to help explain it You may also want to-contact
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" E-L GUAJLPUEDE SALVAR SU-CA-S?-DE-L A PERDIDA DEL DERECHO-A - - - - -
REDIMIR SU HIPOTECA.
HOMEOWNER'S NAME(S): PAUL A MATTUS
PROPERTY ADDRESS: 514 PARTRIDGE COURT
MECHANICSBURG PA 17055
LOAN ACCT. NO.: 0356120928
CURRENT LENDER/SERVICER: Sovereign Bank
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
• IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND
YOUR CONTROL,
• IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY
YOUR MORTGAGE PAYMENTS, AND
• IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED
BY THE PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure
on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a
"face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS
MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY
MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS
NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR
MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling
agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the
date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling
agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to
schedule one face-to-face meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later
in this Notice (see following pages for specific information about the nature of your default.) If you have tried and
are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the
Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed
Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling
agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the
program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency.
Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY
PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE
-ASSISTANCE VILL 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 filed bankruptcy you can still apply for Emergency Mortgage Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date).
NATURE OF THE DEFAULT --The MORTGAGE held by Sovereign Bank (hereinafter we, us, or ours) on your
property located at 514 PARTRIDGE COURT, MECHANICSBURG PA 17055, IS SERIOUSLY IN
DEFAULT because YOU HAVE NOT MADE THE MONTHLY PAYMENTS of $2172.94 since 07/01/07 to the
present. The total amount now required to cure this default, orb other words, get caught up in your payments, as of
the date of this letter, is $9216.76. The total amount includes late charges and any other charges that have accrued
to this date. If you disagree with the assertion that a default has occurred or the correctness of the calculated amount
required to cure the default, contact:
SOVEREIGN BANK OVERNIGHT DELIVERY:
MORTGAGE COLLECTIONS DEPARTMENT
PO BOX 8627 OR 601 PENN STREET
READING PA 19603 READING, PA 19601
1-800-753-7366
HOW TO CURE T'RE 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 $9216.76, PLUS
ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)
DAY PERIOD. Payments must be made either by cash cashier's check, certified check or money order made
payable to Sovereign Bank and sent to the above address.
1F YOU DO NOT CURE THE DEFAULT-If you do not cure the default within THIRTY (30) DAYS of the
date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the
entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the
mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30)
DAYS, the tender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged
property.
IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off
the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender
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 attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be
added to the.amount you owe the lender, which may also include other reasonable costs. If you cure the default
within the THIRTY (30) DAY period you will not be required to pay attorney's fees.
OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all
other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within
the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default
and prevent the sale at any time up to one hour before the Sheriff's Sale You may do so by paving 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 custs-contiected-with ttie Sheriff sSale of snecifiedin wntme by the lender and by
performing any other requirements under the mortgage. Curing your default in the manner set forth in this
notice will restore your mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff s Sale
of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A
notice of the actual date of the 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: SOVEREIGN BANK
Address: PO BOX 8627, READING PA 19603
Phone NumFer: 1-800-753=7366 .
Fax Number: 1-800-881-9334
Contact Person: Constance M. Cocroft, Vice President
EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the
mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a
lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE - You may have the right to sell or transfer your home to a buyer or transferee
who will assume the mortgage debt, provided that all the outstanding. payments, charges and attorney's fees and
costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO
CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR)
TO .ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR
ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE
LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (SEE ENCLOSURE)
You may contact our Mortgage Services Department via E-mail at:
. MORTSERV(@SOVEREIGNBANK.COM
This bank is a debt collector attempting to collect a debt and any information obtained from you will be used'for that
purpose.
r?
HOUSING AND URBAN DEVELOPMENT ("HUD") NOTIFICATION
IMPORTANT NOTICE OF THE HOUSING AND COMMUNITY DEVELOPMENT ACT OF 1987
PLEASE READ THIS NOTICE. HOMEOWNERSHIP COUNSELING MAY BE AVAILABLE TO YOU-
DATE: October 29, 2007
TO: PAUL A MATTUS
RE: Account No. 0356120928
FROM: Sovereign Bank
The Housing and Community Development Act of 1987 requires that Sovereign Bank notify eligible homeowners with delinquent
home loans of the availability of homeownership counseling. Because your home loan is DELINQUENT, you may be eligible for
homeownership counseling provided by certain non-profit organizations.
PLEASE CALL THE HUD TOLL FREE NUMBER AT
1-800-569-4287
FOR MORE INFORMATION.
If you have any questions about your home loan you may call or write to Sovereign Bank at:
MORTGAGE COLLECTIONS DEPARTMENT
SOVEREIGN BANK
PO BOX 8627
READING PA 19603
1-800-753-7366
Constance M. Cocroft
Vice President
......-...aAA,vrx,.ir,nvUJllIUr11VA1VUXAUL Y
HOMEOWN'`-); EMERGENCY MORTGAGE ASSISTA PROGRAM
C-NSUMER CREDIT COUNSELING AGENCtkS
ADAMS COUNTY ARMSTRONG COUNTY
American Red Cross - Hanover Chapter CCCS of Western PA, Inc.
529 Carlisle Street 217 East Plank Road
Hanover, PA 17331 Altoona, PA 16602
717-637-3768 814-944-8100,814-944-5747
FAX 717-637-3294
Financial Counseling Services of Franklin
31 West 3rd Street
Waynesboro, PA 17268
717-762-3285
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
717-541-1757
717-5414670
Adams County Housing Authority
139-143 Carlisle Street
Gettysburg, PA 17325
717-334-1518, FAX.717-334-8326
ALLEGHENY COUNTY
Pennsylvania Housing Finance Agency
2275 Swallow Hill Road, Bldg. 200
Pittsburgh, PA 15220
412-429-2842, FAX 412-429-2835
Credit Counselors of PA
401 Wood Street Suite 906
Pittsburgh, PA 15222
412-338-9954,800-737-2933
FAX 412-338-9963
Indiana Co. Community Action Program
827 Water Street, Box 187
Indiana, PA 15701
724-465-2657
FAX 724465-5118
BEAVER COUNTY
Action Housing, Inc.
425 6'h Avenue, Suite 950
Pittsburgh, PA 15219
412-391-1956
FAX 412-3914512
Housing Opportunities of Beaver Co, Inc.
650 Corporation Street, Suite 207
Beaver, PA 15009
724-723-7511
Action Housing Inc.
425 6`h Avenue, Suite 950
Pittsburgh, PA 15219
412-391-1956,412-281-2102,
800-792-2801, FAX 412-391-4512
CCCS of Western PA, Inc.
309 Smithfield Street
Pittsburgh, PA 15222
412-471-7584
Urban League of Pittsburgh
Bldg. for Equal Opportunity
One Smithfield Street
Pittsburgh, PA 15222
412-227-4802, FAX 412-261-5207
Mon-Valley Unemployed Committee
120 E. 9rh Avenue
Homestead, PA 15120
412-462-9962
Credit Counselors of PA
401 Wood Street, Suite 906
Pittsburgh, PA 15222
412-338-9954,800-737-2933
FAX 412-338-9963
CCCS of Western PA, Inc.
971 3rd Street
Beaver, PA 15009
724-774-0798
Mon-Valley Unemployed Committee
120 E. 9'h Avenue
Homestead, PA 15120
412-462-9964,412-462-9962
Housing Opportunities, Inc.
133 7'h Street, PO Box 9
McKeesport, PA 15134
412-664-1906 FAX 412-664-0873
Credit Counselors of PA BEDFORD COUNTY
40-1-Wood- Street, Suite-906 - - - Bedford=FulTd'n Housing Services "
Pittsburgh, PA 15222 10241 Lincoln Highway
412-338-9954, 800-737-2933 Everett, PA 15537
FAX 412-338-9963 814-623-9129-FAX 814-623-7187
Community Action Southwest
22 West High Street
Waynesburg, PA 15370
724-852-2893
Housing Opportunities
133 Seventh Street, PO Box 9
McKeesport, PA 15132
412-664-1906
FAX 412-664-0873
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
CCCS of Western PA, Inc.
217 E. Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
Tableland Services, Inc.
535 East Main Street
Somerset, PA 15501
814-445-9628,80OA52-0148
FAX 814-443-3690
BERKS COUNTY
Budget Counseling Center
247 North Fifth Street
Reading, PA 19601
610-375-7866
FAX 610-375-7830
EOC of Schuylkill County
225 N. Centre Street
Pottsville, PA 17901
717-622-1995
FAX 717-622-0429
CCCS Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610-821-4011, 800-220-2733 (814) only
FAX 610-821-8932
Community Housing Counselors, Inc.
PO Box 244
Kennett Square, PA 19348
610-444-3682
FAX 610-444-8243
BLAIR COUNTY
Bedford-Fulton Housing Services
RD I Box 384
Everett, PA 15537
814-623-9129
FAX 814-623-7187
CCCS of Western PA, Inc.
217 East Plank Road
Altoona, PA 16602
-814-94f4--8 OO,-?f4-9'44-5747 - - -
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
CARBON COUNTY
EOC'ofSchuylkill County
225 North Center Street
Pottsville, PA 17901
570-622-1995
FAX 570-622-0429
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610-821-4011,800-220-2733
717 and 814 only for 800
FAX 610-821-013-7--
CCCS of Northeastern PA
1400 Abington Executive Park, Suite I
Clarks Summitt, PA 18411
570-587-9163,800-922-9537
FAX 570-587-9134/9135
CCCS of Northeastern PA
31 W Market Street
Wilkes-Barre, PA 18702
570-821-0837,800-922-9537
FAX 570-821-1785
CCCS of Northeastern PA
9 South 7'h Street
Stroudsburg, PA 18360
570-420-8980,800-922-9537
FAX 570-420-8981
CCCS of Northeastern PA
1631 S Atherton Street, Suite 100
State College, PA 16801
814-238-3668
FAX 814-238-3669
CEO of Luzerne County
163 Amber Lane
Wilkes-Barre, PA 18702
570-826-0510,800-822-0359
FAX 570-829-1665 - CALL FIRST
570-455-4994 Hazleton
FAX 570-455-5631 - CALLFIRST
570-8364090 Tunkhannock
CENTRE COUNTY
CCCS of Western PA, Inc.
217 East Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
Lycoming-Clinton Co STEP
2138 Lincoln Street, PO Box 132.8
- - Williamsport, PA 17703
570-326-0587
FAX 570-322-2197
CCCS of Northeastern PA
1631 S Atherton Street, Suite 100
State College, PA 16801
814-238-3668
FAX 814-238-3669
CHESTER COUNTY
' Acorn Housing Corporation
- 846 North Broad Street
Philadelphia, PA 19130
215-765-1221
FAX 215-765-1427.
Budget Counseling Center
247 North Fifth Street
Reading, PA 19601
610-375-7866
FAX 215-375-7830
HACE
167 W. Allegheny Avenue, 2nd Floor
Philadelphia, PA 19140
215-426-8025
FAX 215-426-9122
Media Fellowship House
302 S. Jackson Street .
Media, PA 19063
610-565-0846
FAX 610-565-8567
Tabor. Community Services, Inc.
439 East King Street
Lancaster, PA 17602
717-397-5182,800-788-5062(H. 0. only)
FAX 717-3994127
American Red Cross of Chester
1729 Edgemont Avenue
Chester, PA 19013
610-874-1484
Northwest Counseling Services
5001 N. Broad Street
Philadelphia, PA 19141
215-324-7500
FAX 215-324-8753
CCCS of Delaware Valley
1515 Market Street, Suite 1325
Philadelphia, PA 19107
215-563-5665
FAX 215-563-7020
Community Housing Counseling Inc.
PO Box 244 '
Kennett Square, PA 19348
610-444-3682
FAX 610-444-8243
Philadelphia Council for Community Adv.
100 Nort L 17'. Street,.Suite,.600
Philadelphia, PA 19103
215-567-7803
FAX 215-963-9941
CDC of Frankford Group Ministry
4620 Griscom Street
Philadelphia, PA 19124
215-744-2990
FAX 215-744-2012
P- -rican CCI
?oates Street
Coatesville, PA 19320
888-212-6741
American CCI
144 E Dekalb Pike
King of Prussia, PA 19406
610-971-2210
FAX 610-265-4814
American CCI
755 York Road, Suite 103
Warminster, PA 18974
215-444-9429
FAX 215-956-6344
CLARION COUNTY
CCCS of Western Pennsylvania, Inc.
YMCA Building, 339 N Washington Street
Butler, PA 16001
412-282-7812
CLEARFIELD COUNTY
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Indiana Co. CAP
827 Water Street, Box 187
Indiana, PA 15701
724-465-2657
FAX 724-465-5118
CCCS of Western PA, Inc.
217 E Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
CCCS of Northeastern PA
1631 S Atherton Street, Suite 100
State College, PA 16801
814-238-3668
FAX 814-238-3669
CCCS of Western PA
219-A College Park Plaza
Johnstown, PA 15904
814-539-6335
CLINTON COUNTY
- Lycoming-Clinton-Counties STEP
2138 Lincoln Street, PO Box 1328
Williamsport, PA 17703
570-326-0587
FAX 570-322-2197
CCCS of Northeastern PA
201 Basin Street
Williamsport, PA 17703
570-323-6627
FAX 570-323-6626
CCCS of Northeastern PA CCCS of Delaware Valley
201 Basis Street Marshall Building 1631 S Atherton Street, Suite 100
Williamsport, PA 17703 790 E Market Street, Suite 215 State College, PA 16801
570-323-6627 West Chester, PA 19382 814-238-3668
FAX 570-323-6626' 215-563-5665 FAX 814-238-3669
FAYETTE COUNTY
Action Housing Inc.
425 6'h Avenue, Suite 950
Pittsburgh, PA 15219
412-391-1956,412-281-2102
FAX 412-391-4512
Mon Valle Unemployed Committee
120 East 9` Avenue
Homestead, PA 15120
412462-9962
Tableland Services, Inc
131 North Center Avenue
Somerset, Pa 15501
814-445-9628
FAX 814=443-3690
CCCS of Western PA, Inc
1 North Gate Square
2 Garden Center Drive
Greensburg, PA 15601
724-838-1290
Community Action Southwest
22 West High Street
Waynesburg, PA 15370
724-852-2893
Fayette Co Community Action Agency
137 North Beeson Avenue
Uniontown, PA 15401
724-437-6050, 800-427-INFO
FAX 724-437-4418
CCCS of Western PA
199 Edison Street
Uniontown, Pa 15401
724-439-8939
FOREST COUNTY
Warren-Forest CEOC
204 Liberty Street, PO Box 547
Warren, PA 16365
814-726-2400
FAX 814-723-0510
FRANKLIN COUNTY
Adams County Housing Authority
139-143 Carlisle Street
Gettysburg, PA 17325
717-334-1518
FAX 717-334-8326
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
717-541-1757
FAX 717-5414670
Financial Services Unlimited
31 West Yd Street
Waynesboro, PA 17268
717-762-3285
CCCS of Western PA, Inc.
912 South George Street
York, PA 17403
717-8464176
YWCA of Carlisle
301 G Street
Carlisle, PA 17013
717-243-3818
FAX 717-243-3948
American Red Cross-Hanover Chapter
529 Carlisle Street
Hanover, PA 17331
717-637-3.768
FAX 717-637-3294
FULTON COUNTY
Bedford-Fulton Housing Services
RD 1, Box 384
Everett, PA 15537
814-623-9129
FAX 814-323-7187
CCCS of Western PA, Inc.
912 South George Street
York, PA 17403
717-846-4176
Financial Counseling Services of Franklin
31 West Yd Street
Waynesboro, PA 17268
717-762-3285
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
GREENE COUNTY
Action Housing, Inc.
425 6'h Avenue, Suite 950
.Pittsburgh, PA 15219
412-391-1956,412-281-2102 .
FAX 412-3914512
L ,''NTINGDON COUNTY
Nhrd-Fulton Housing Services
1101, Box 384
Everett, PA 15537
814-623-9129
FAX 814-623-7187
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
CCCS of Westem4)A, Inc.
217 E. Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
INDIANA COUNTY
CCCS OFWestern PA, Inc.
1 North Gate Square
2 Garden Center Drive
Greensburg, PA 15601
724-838-1290
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Indiana County CAP
827 Water Street, PO Box 187
Indiana, PA 15701
724-465-2657
FAX 724-465-5118
CCCS of Western PA
219-A College Park Plaza
Johnstown, PA 15904
814-539-6335
JEFFERSON COUNTY
John F. Kennedy Center, Inc.
2021 East 20'h Street
Erie, PA 16510
814-898-0400
FAX 814-898-1243
Indiana County CAP
827 Water Street, Box 187
Community Action Southwest Indiana, PA 15701
22 West High Street 724-465-2657
Waynesburg, PA 15370 FAX 724-465-5118
724-852-2893
FAX_724:b27: 7713_ _ -CCCS of-Western PA, Inc.
YMCA Building, 339 North Washington Street
Mon-Valle Unemployed Committee Butler, PA 16001
120 East 9' Avenue 724-282-7812
Urban League of Metropolitan Harrisburg
2107 N 6'h Street
Harrisburg, PA 17101
717-234-5925
FAX 717-234-9459
CAC of the Capital Region
1514 Deny Street
Harrisburg, PA 17104
717-232-9757
FAX 717-234-2227
Homestead, PA 15120
412-462-9962
FAX 412-462-9964
CCCS of Western PA, Inc.
I North Gate Square
2 Garden Center Drive
Greensburg, PA 15601
724-838-1290
JUNIATA COUNTY
CCCS of Western PA, Inc.
217 E. Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
Northwest Counseling Service NORTHUMBERLAND Counseling Service
t,'I
5001 N. Broad Street
CCS of Northeastern PA
Bro
ad Street
N
Philadelphia, PA 19141 `31 W Market Street, PO Box 1127 Philadelphia, PA 19141
215-324-7500 Wilkes-Barre, PA 18702 215-324-7500
FAX 215-324-8753 570-821-0837,800-922-9537 FAX 215-324-8753
FAX 570-821-1785
Community Action Development Comm CCCS of Delaware Valley
1 13 East Main Street CCCS of Northeastern PA 1515 Market Street, Suite 1325
Norristown, PA 19401 1400 Abington Executive Park, Suite 1 Philadelphia, PA 19107
610-277-6363 Clarks Summitt, PA 18411 215-563-5665
FAX 610-277-2123 570-587-9163,800-922-9537 FAX 215-864-2666
FAX 570-587-9134/9135
Community Housing-Counselors Inc. HACE
PO Box 244 CCCS of Northeastern PA 167 W Allegheny, 2"d floor
Kennett Square, PA 19348 201 Basin Street Philadelphia, PA 19140
215-444-3682 Williamsport, PA 17703 215-426-8025
FAX 215-444-8243 570-323-6627 FAX 215-426-9122
FAX 570-323-6626
Media Fellowship House Media Fellowship House
302 S. Jackson Street EOC of Schuylkill County 302 S Jackson Street
Media, PA 19063 225 North Centre Street Media., PA 19063
610-565-0846 Pottsville, PA 17901 610-565-0846
FAX 610-565-8567 570-622-1995 FAX 610-565-8567
FAX 570-622-0429
American Credit Counseling Institute PCCA
845 Coates Street PERRY COUNTY 100 N 171h Street, Suite 500
Coatesville, PA 19320 CCCS of Western PA, Inc. Philadelphia, PA 19103
888-212-6741 2000 Linglestown Road 215-567-7803
Harrisburg, PA 17102 FAX 215-963-9941
Phila. Council For Community Advmnt 717-541-1757
100 North 17'h Street Suite 600 FAX 717-541-4670 CCCS of DelawareValley
Philadelphia, PA 19103 One Cherry Hill, Suite 215
215-567-7803 Urban league of Metro Harrisburg Cherry Hill, NJ 08002
FAX 215-963-9941 2107 North 6`h Street 215-563-5665
Harrisburg, PA 17101
American Credit Counseling Institute 717-234-5925 Housing Assoc. of Delaware Valley
144 E Dekalb Pike FAX 717-234-9459 1500 Walnut Street, Suite 501
King of Prussia, PA 19406 Philadelphia, PA 19102
610-971-2210 YWCA of Carlisle 215-545-6010
FAX 610-265-4814 301 G Street FAX 215-790-9132
Carlisle, PA 17013
American Credit Counseling Institute 717-243-3818 Housing Assoc. of Delaware Valley
755 York Road, Suite 103 FAX 717-243-3948 658 North Watts Street
Warminster, PA 18974 Philadelphia, PA 19123
215-444-9429 Financial Counseling Services of Franklin 215-978-0224
FAX 215-956-6344 31 West Yd Street FAX 215-765-7614
Waynesboro, PA 17268
MONTOUR COUNTY 717-762-3285 Community Devel. Corp of Frankford
CCCS of Northeastern PA Group Ministry
31 W. Market Street, PO Box 112 7 Weatherization Office 4620 Griscom Street
Wilkes-Barre, PA 18702 917 Mifflin Street Philadelphia, PA 19124
570- 821-0837, 800-922-9537 Huntingdon, PA 16652 215-744-2990
FAX 570-821-1785 814-643-2343 FAX 215-744-2012
CCCS of Northeastern PA - CAC of the Capital Region American Credit Counseling Institute
1400 Abington_ Executive Park, SuiteJ _ 1.5L4 Dsrry-Street .845 Coates Street-
Clarks Summitt, PA 1841 I Harrisburg, PA 17104 Coatesville, PA 19320
570-587-9163,800-922-9537 717-232-9757 888-212-6741
FAX 570-587-9134/9135 FAX 717-234-2227
American Credit Counseling Institute
NORTHHAMPTON COUNTY PHILADELPHIA COUNTY 144 E Dekalb Pike
CCCS of Lehigh Valley Acorn Housing Corporation King of Prussia, PA 19406
3671 Crescent Court East 846 North Broad Street 610-971-2210
Whitehall, PA 18052 Philadelphia, PA 19130 FAX 610-2654814
610-8214011 215-765-1221
800-220-2733 (717) and (814) ONLY FAX 215-765-1427 American Credit Counseling Institute
FAX 610-821-8932 755 York Road, suite 103
Warminster, PA 18974
215-444-9429
FAX 215-956-6344
%.raitun aireet WARREN COUNTY
- 3 t. `Nest Market Street
Wellsboro, PA 16901 )Booker T. Washington Center
/ m-Barre, PA 18702
5
570-724-5252 1720 Holland Street v 821-0837, 800-922-9537
FAX 570-724-5783 Erie, PA 16503 FAX 570-821-1785
814-453-5744
103 Warren Street, PO Box 709 FAX 814-453-5749 The Trehab of NE PA
Tunkhannock,PA 18657
570-836-6840 Greater Erie CAC 185 Elmira Street, PO Box 218
FAX 570-836-6332 18 West 9'h Street Troy, PA 16947
Erie, PA 16501 570-297-2101
German Street, PO Box 389 8144594581 FAX 570-297-2799
Dushore, PA 18614 FAX 814-456-0161
570-928-9668 17 Crafton Street -
FAX 570-928-8144 Warren-Forrest Counties EOC Wellsboro, PA 16901
1209 Pennsylvania Avenue, West 570-724-5252
931 Main Street PO Box 547 FAX 570-724-5783
Honesdale, PA 18431 Warren, PA 16365
570-253-8941 814-726-2400 103 Warren Street, PO Box 709
FAX 570-253-4817 FAX 814-723-0510 Tunkhannock,PA 18657
570-836-6840
7 Lake Avenue, Box 339 WASHINGTON COUNTY FAX 570-836-6332
Montrose, PA 18801 Action Housing, Inc.
570-278-3338, 800-982-4045 425 6'h Avenue, Suite 950 German Street, PO Box 389
FAX 570-278-1889 Pittsburgh, PA 15219 Dushore, PA 18614
412-391-1956,412-281-2102 570-928-9668
UNION COUNTY FAX 412-391-4512 FAX 570-928-8144
Lycoming-Clinton County STEP
2138 Lincoln Street, PO Box 1328 CCCS of Western PA, Inc. 931 Main Street
Williamsport, PA 17703 1 North Gate Square Honesdale, PA 18431
570-326-0587 2 Garden Center Drive 570-253-8941
FAX 570-322-2197 Greensburg, PA 15601 FAX 570-253-4817
724-838-1290
CCCS of Western Pennsylvania, Inc. WESTMORELAND COUNTY
217 East Plank Road Housing Opportunities, Inc. Action Housing, Inc.
Altoona, PA 16602 133 Seventh Street 4256 1h Avenue, Suite 950
814-944-8100 McKeesport, PA 15132 Pittsburgh, PA 15219
FAX 814-944-5747 412-664-1590 412-391-1956,412-281-2102
FAX 412-664-0873
CCCS of Northeastern Pennsylvania Community Action Southwest
Credit Counselors of PA 22 West High Street
31 W. Market Street, PO Box 1127 . 401 Wood Street, Suite 906 Waynesburg, PA 15370
Wilkes-Bane, PA 18702 Pittsburgh, PA 15222 724-852-2893
570-821-0837,800-922-9537 412-338-9954,800-737-2933
FAX 570-821-1785 FAX 412-338-9963 CCCS of Western PA, Inc.
I North Gate Square
1400 Abington Executive Park, Suite I Community Action Southwest 2 Garden Center Drive
Clarks Summitt, PA 18411 22 West High Street Greensburg, PA 15601
570-587-9163,800-922-9537 Waynesburg, PA 15370 724-838-1290
FAX 570-587-9134/9135 724-852-2893
Housing Opportunities, Inc.
201 Basin Street 53 N. College Street 133 Seventh Street
Williamsport, PA 17703 Washington, PA 15301 McKeesport, PA 15132
570-323-6627 724-222-8292 412-664-1590
FAX 570-323-6626 FAX 412-664-0873
Mon-Valle Unemployed Committee
VENANGO COUNTY
- - -
120 _ Ea _. st _ 9 Avenue,
_
Keystone Economic -Devel. Corporation-
_
Greater Erie Community Action Committee Homestead, PA 15120 1954 Mary Grace Lane
18 West 9'h Street 412-462-9962 Johnstown, PA 15901
Erie, PA 16501 FAX 412-462-9964 814-535-6556
814-459-4581 FAX 814-539-1688
FAX 814-456-0161 WAYNE COUNTY
CCCS of Northeastern PA Tableland Services Inc.
CCCS of Western Pennsylvania, Inc. 535 East Main Street
339 N. Washington Street, YMCA Bldg. 1400 Abington Executive Park, Suite I Somerset, PA 15501
Butter, PA 16001 Clarks Summitt, PA 18411 814-445-9628, 800-452-0148
412-282-7812 570-587-9163,800-922-9537 FAX 814-443-3690
FAX 570-587-9134/9135
John r. Kennedy Center, Inc. 199 Edison Street
2021 East 201h Street 9 South 7'h Street Uniontown, PA 15401
Erie, PA 16510 Stroudsburg, PA 18360 724-439-8939
814-898-0400, FAX 814-898-1243 570420-8980, FAX 570420-8981
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
Date of Notice: October 29, 2007
PAUL A MATTUS
514 PARTRIDGE COURT
MECHANICSBURG PA 17055
Loan # 0356120928
This is an official notice that the mortgage on your home is in default, and the lender intends to
foreclose. Specific information about the nature of the default is provided in the attached pages.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAT) may be able to help to
save your home. This Notice explains how the program works.-
To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING
AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when
you meet with the Counseling Agency.
The name, address and phone number of Consumer Credit Counseling Agencies serving your
County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania
Housing Finance Agency toll free at 1-800-342-2397.(Persons with impaired hearing can call (717)
780-1869).
This Notice contains important legal information. If you have any questions, representatives at the
Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact
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 TRA.DUCCION INMEDITAMENTE LLAMANDO
ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL
NUMERO MENCIONADO A_RRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR
EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE
PROGRAM" -EL-'CUA.L-PUEDE SALVARSU CAS-iiiDE-LATERDIDA-DELDERECHO-A-
REDIMIR SU HIPOTECA.
HOMEOWNER'S NAME(S): PAUL A MATTUS
PROPERTY ADDRESS: 514 PARTRIDGE COURT
MECHANICSBURG PA 17055
LOAN ACCT. NO.: 0356120928
CURRENT LENDER/SERVICER: Sovereign Bank
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
• IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND
YOUR CONTROL,
• IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY
YOUR MORTGAGE PAYMENTS, AND
• IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED
BY THE PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure
on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a
"face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS
MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY
MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS
NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR
MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling
agencies listed at the end of this notice, the-lender may NOT take action against you for thirty (30) days after the
date of this meeting. The names: addresses and telephone numbers of designated consumer credit counseline
agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to
schedule one face-to-face meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later
in this Notice (see following pages for specific information about the nature of your default.) If you have tried and
are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the
Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed
Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling
agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the
program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency.
Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY
PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE
ASSISTANCE WILL BE-DENIED.-
AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed
by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has
sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings
will be pursued against you if you have met the time requirements set forth above. You will be notified directly by
the Pennsylvania Housing Finance Agency of its decision on your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION 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.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date).
NATURE OF THE DEFAULT --The MORTGAGE held by Sovereign Bank (hereinafter we, us, or ours) on your
property located at 514 PARTRIDGE COURT, MECHANICSBURG PA 17055, IS SERIOUSLY IN
DEFAULT because YOU HAVE NOT MADE THE MONTHLY PAYMENTS of $2172.94 since 07/01/07 to the
present. The total amount now required to cure this default, or in-dther words, get caught up in your payments, as of
the date of this letter, is $9216.76. The total amount includes late charges and any other charges that have accrued
to this date. If you disagree with the assertion that a default has occurred or the correctness of the calculated amount
required to cure the default, contact:
SOVEREIGN BANK OVERNIGHT DELIVERY:
MORTGAGE COLLECTIONS DEPARTMENT
PO BOX 8627 OR 601 PENN STREET
READING PA 19603 READING, PA. 19601
1-800-753-7366
HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (30) DAYS of the date of this
notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $9216.76, PLUS
ANY MORTGAGE.PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)
DAY PERIOD. Payments must be made either by cash cashier's check, certified check or money order made
payable to Sovereign Bank and sent to the above address.
IF YOU DO NOT CURE THE DEFAULT-If you do not cure the default within THIRTY (30) DAYS of the
date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the
entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the
mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30)
DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged
property.
IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off
the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender
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 attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be
added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default
within the THIRTY (30) DAY period, you will not be required to pay attorney's fees.
OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all
other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within
the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default
and prevent the sale at anv time uv to one hour before the Sheriff's Sale. You may do so by vavins 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-atid any- other costs corinccted-with the Sheriff s Sale ii9"spectfie3in wvhfiri¢-bv the lender-_ and- by
performing any other requirements under the mortgage. Curing your default in the manner set forth in this
notice will restore your mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff s Sale
of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A
notice of the actual date of the 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:. SOVEREIGN BANK
Address: PO BOX 8627, READING PA 19603
Phone Number:" 1-800-753-7366
Fax Number: 1-800-881-9334
Contact Person: Constance M. Cocroft, Vice President
EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the
mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a
lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE - You may have the right to sell or transfer your home to a buyer or transferee
who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and
costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO
CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.)
TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR
ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS,
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE
LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (SEE ENCLOSURE)
You may contact our Mortgage Services Department via E-mail at:
MORTSERV( ,SOVEREIGNBANK.COM
This bank is a debt collector attempting to collect a debt and any information obtained from you will be used for that
purpose.
r?
HOUSING AND URBAN DEVELOPMENT ("HUD") NOTIFICATION
IMPORTANT NOTICE OF THE HOUSING AND COMMUNITY DEVELOPMENT ACT OF 1987
PLEASE READ THIS NOTICE. HOMEOWNERSHIP COUNSELING MAY BE AVAILABLE TO YOU.
DATE: October 29, 2007
TO: PAUL A MATTUS
RE: Account No. 03 56120928
FROM: Sovereign Bank
The Housing and Community Development Act of 1987 requires that Sovereign Bank notify eligible homeowners with delinquent
home loans of the availability of homeownership counseling. Because your home loan is DELINQUENT, you may be eligible for
homeownership counseling provided by certain non-profit organizations.
PLEASE CALL THE HUD TOLL FREE NUMBER AT
1-800-569-4287
FOR MORE INFORMATION.
If you have any questions about your home loan you may call or write to Sovereign Bank at:
MORTGAGE COLLECTIONS DEPARTMENT
SOVEREIGN BANK_
PO BOX 8627
READING PA 19603
1.-800-753-7366
Constance M. Cocroft -
Vice President
PFNNSYLVANIA HOUSING FINANCE AGED v,Y
HOMEOWNr EMERGENCY MORTGAGE ASSISTA; ;PROGRAM
CONSUMER CREDIT COUNSELING AGENCIES
ADAMS COUNTY ARMSTRONG COUNTY
American Red Cross - Hanover Chapter CCCS of Western PA, Inc.
529 Carlisle Street 217 East Plank Road
Hanover, PA 17331 Altoona, PA 16602
717-637-3768 814-944-8100,814-944-5747
FAX 717-637-3294
Financial Counseling Services of Franklin
31 West Yd Street -.
Waynesboro, PA 17268
717-762-3285
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102 .
717-541-1757
717-541-4670
Adams County Housing Authority
139-143 Carlisle Street
Gettysburg, PA 17325
717-334-1518, FAX 717-334-8326
ALLEGHENY COUNTY
Pennsylvania Housing Finance Agency
2275 Swallow Hill Road, Bldg. 200
Pittsburgh, PA 15220
412-429-2842, FAX 412-429-2835
Action Housing Inc.
425 Oh Avenue, Suite 950
Pittsburgh, PA 15219
412-391-1956,412-281-2102,
800-792-2801, FAX 412-391-4512
CCCS of Western PA, Inc.
309 Smithfield Street
Pittsburgh, PA 15222
412-471-7584
Urban League of Pittsburgh
Bldg. for Equal Opportunity
One Smithfield Street
Pittsburgh, PA 15222
412-227-4802, FAX 412-261-5207
Mon-Valley Unemployed Committee
120 E. 91h Avenue
Homestead, PA 15120
412-462-9962
Credit Counselors of PA
401 Wood Street Suite 906
Pittsburgh, PA 15222
412-338-9954,800-737-2933
FAX 412-338-9963
Community Action Southwest
22 West High Street
Waynesburg, PA 15370
724-852-2893
Housing Opportunities
133 Seventh Street, PO Box 9
McKeesport, PA 15132
412-664-1906
FAX 412-664-0873
Credit Counselors of PA
401 Wood Street Suite 906
Pittsburgh, PA 15222
412-338-9954,800-737-2933
FAX 412-338-9963
Indiana Co. Community Action Program
827 Water Street, Box 187
Indiana, PA 15701
724-465-2657
FAX 724-465-5118
BEAVER COUNTY
Action Housing, Inc.
425 6'h Avenue, Suite 950
Pittsburgh, PA 15219
412-391-1956
FAX 412-3914512
Housing Opportunities of Beaver Co, Inc.
650 Corporation Street, Suite 207
Beaver,"PA 15009
724-723-7511
Credit Counselors of PA '
401 Wood Street, Suite 906
Pittsburgh, PA 15222
412-338-9954,800-737-2933
FAX 412-338-9963
CCCS of Western PA, Inc.
971 Yd Street
Beaver, PA 15009
724-774-0798
Mon-Valley Unemployed Committee
120 E. 9'h Avenue
Homestead, PA 15120
412-462-9964,412-462-9962
Housing Opportunities, Inc.
133 7'h Street, PO Box 9
McKeesport, PA 15134
412-664-1906 FAX 412-664-0873
BEDFORD COUNTY
6edford-Fulton Housing Services
10241 Lincoln Highway
Everett, PA 15537
814-623-9129 FAX 814-623-7187
Keystone Economic Development Corp.
1954 Mary Grace Lane'
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
CCCS of Western PA, Inc.
217 E. Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
Tableland Services, Inc.
535 East Main Street
Somerset, PA 15501
814A45-9628, 800-452-0148
FAX 814-443-3690
BERKS COUNTY
Budget Counseling Center
247 North Fifth Street
Reading, PA 19601
610-375-7866'
FAX 610-375-7830
EOC of Schuylkill County
225 N. Centre Street
Pottsville, PA 17901
717-622-1995
FAX 717-622-0429
CCCS Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610-821-4011,800-220-2733(814)only
FAX 610-821-8932
Community Housing Counselors, Inc.
PO Box 244
Kennett Square, PA 19348
610-444-3682
FAX 610-444-8243
BLAIR COUNTY
Bedford-Fulton Housing Services
RD I Box 384
Everett, PA 15537
814-623-9129
FAX 814-623-7187
CCCS of Western PA, Inc.
217 East Plank Road
Altoona, PA 16602
814-944-8100,814-944-5747
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
CARBON COUNTY
EOC of Schuylkill County
225 North Center Street
Pottsville, PA 17901
570-622-1995
FAX 570-622-0429
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610-821-0011, 800-220-2733
717 and 814 only for 800
FAX 610-821-0137
CCCS of Northeastern PA
1400 Abington Executive Park, Suite 1
Clarks Summitt, PA 18411
570-587-9163,800-922-9537
FAX 570-587-9134/9135
CCCS of Northeastern PA
31 W Market Street
Wilkes-Barre, PA 18702
570-821-0837 ,800-922-9537
FAX 570-821-1785
CCCS of Northeastern PA
9 South 7'" Street
Stroudsburg, PA 18360
570-420-8980,800-922-9537
FAX 570-420-8981
CCCS of Northeastern PA
1631 S Atherton Street, Suite 100
State College, PA 16801
814-238-3668
FAX 814-238-3669
CEO of Luzerne County
163 Amber Lane
Wilkes-Barre, PA 18702
570-826-0510,800-822-0359
FAX 570-829-1665 - CALL FIRST
570-455-0994 Hazleton
FAX 570-455-5631 - CALLFIRST
570-836-4090 Tunkhannock
CENTRE COUNTY
CCCS of Western PA, Inc.
217 East Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
CHESTER COUNTY
__ 1kcom Housing Corporation
- 146 North Broad Street
Philadelphia, PA 19130
215-765-1221
FAX 215-765-1427
Budget Counseling Center
247 North Fifth Street
Reading, PA 19601
610-375-7866
FAX 215-375-7830
HACE
167 W. Allegheny Avenue, 2"d Floor
Philadelphia, PA 19140
215-426-8025
FAX 215-426-9122
Media Fellowship House
302 S. Jackson Street
Media, PA 19063
610-565-0846
FAX 610-565-8567
Tabor Community Services, Inc.
439 East King Street
Lancaster, PA 17602
717-397-5182, 800-788-5062 (H. 0. only)
FAX 717-3994127
American Red Cross of Chester
1729 Edgemont Avenue
Chester, PA 19013
610-874-1484
Northwest Counseling Services
5001 N. Broad Street
Philadelphia, PA 19141
215-324-7500
FAX 215-324-8753
CCCS of Delaware Valley
1515 Market Street, Suite 1325
Philadelphia, PA 19107
215-563-5665
FAX 215-563-7020
Community Housing Counseling Inc.
PO Box 244
Kennett Square, PA 19348
610-444-3682
FAX 610-444-8243
Lycoming-Clinton Co STEP Philadelphia Council for Community Adv.
2138 Lincoln _Street, P0. Box 1328 10.0 North .171h Stmet,-Suite 600
Williamsport, PA 17703 Philadelphia, PA 19103
570-326-0587 215-567-7803
FAX 570-322-2197 FAX 215-963-9941
CCCS of Northeastern PA
1631 S Atherton Street, Suite 100
State College, PA 16801
814-238-3668
FAX 814-238-3669
CDC of Frankford Group Ministry
4620 Griscom Street
Philadelphia, PA 19124
215-744-2990
FAX 215-744-2012
A ---rican CCI
I ? oates Street
Coatesville, PA 19320
888-212-6741
American CC]
144 E Dekalb Pike
King of Prussia, PA 19406
610-971-2210
FAX 610-265-4814
American CCI
755 York Road, Suite 103
Warminster, PA 18974
215-444-9429
FAX 215-956-6344
CLARION COUNTY
CCCS of Western Pennsylvania, Inc.
YMCA Building, 339 N Washington Street
Butler, PA 16001
412-282-7812
CLEARFIELD COUNTY
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Indiana Co. CAP
827 Water Street, Box 187
Indiana, PA 15701
724-465-2657
FAX 724465-5118
CCCS of Western PA, Inc.
217 E Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
CCCS of Northeastern PA
1631 S Atherton Street, Suite 100
State College, PA 16801
814-238-3668
FAX 814-238-3669
CCCS of Western PA
219-A College Park Plaza
Johnstown, PA 15904
814-539-6335
CLINTON COUNTY
--Lycomi n-g-Clinton you n ties-STEP-
2138 Lincoln Street, PO Box 1328
Williamsport, PA 17703
570-326-0587
FAX 570-322-2197
CCCS of Northeastern PA
201 Basin Street
Williamsport, PA 17703
570-323-6627
FAX 570-323-6626
CCCS of Northeastem PA CCCS of Delaware Valley
201 Basis Street Marshall Building 1631 S Atherton Street, Suite 100
Williamsport, PA 17703 790 E Market Street, Suite 215 State College, PA 16801
570-323-6627 West Chester, PA 19382 814-238-3668
FAX 570-323-6626 215-563-5665 FAX 814-238-3669
FAYETTE COUNTY
Action-Housing Inc.
425 6d' Avenue, Suite 950
Pittsburgh, PA 15219
412-391-1956,412-281-2102
FAX 412-391-4512
Mon Valle Unemployed Committee
120 East 9' Avenue
Homestead, PA 15120
412-462-9962
Tableland Services, Inc
131 North Center Avenue
Somerset, Pa 15501
814-445-9628
FAX 814-443-3690
CCCS of Western PA, Inc
I North Gate Square
2 Garden Center Drive
Greensburg, PA 15601
724-838-1290
Community Action Southwest
22 West High Street
Waynesburg, PA 15370
724-852-2893
Fayette Co Community Action Agency
137 North Beeson Avenue
Uniontown, PA 15401
724437-6050, 800-427-INFO
FAX 724-437-4418
CCCS of Western PA
199 Edison Street
Uniontown, Pa 15401
724-439-8939
FOREST COUNTY
Warren-Forest CEOC
204 Liberty Street, PO Box 547
Warren, PA 16365
814-726-2400
FAX 814-723-0516
FRANKLIN COUNTY
Adams County Housing Authority
139-143 Carlisle Street
Gettysburg, PA 17325
717-334-1518
FAX 717-334-8326
CCCS of Western PA
2000 Linglestown Road_
Harrisburg, PA 17102
717-541-1757
FAX 717-5414670
Urban League of Metropolitan Harrisburg
2107 N 6'h Street
Harrisburg, PA 17101
717-234-5925
FAX 717-234-9459
CAC of the Capital Region
1514 Deny Street
Harrisburg, PA 17104
717-232-9757
FAX 717-234-2227
Financial Services Unlimited
I West 3rd Street
aynesboro,PA 17268
717-762-3285
CCCS of Western PA, Inc.
912 South George Street
York, PA 17403
717-846-4176
YWCA of Carlisle
301 G Street
Carlisle, PA 17013
717-243-3818
FAX 717-243-3948
American Red Cross-Hanover Chapter
529 Carlisle Street
Hanover, PA 17331
717-637-3768
FAX 717-637-3294
FULTON COUNTY
Bedford-Fulton Housing Services
RD I, Box 384-
Everett, PA 15537
814-623-9129
FAX 814-323-7187
CCCS of Western PA, Inc.
912 South George Street
York, PA 17403
717-846-4176
Financial Counseling Services of Franklin
31 West Yd Street
Waynesboro, PA 17268
717-762-3285
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
GREENE COUNTY
Action Housing, Inc.
425 6'h Avenue, Suite 950
Pittsburgh, PA 15219
412-391-1956,412-281-2102
FAX 412-3914512
H"NTINGDON COUNTY
I<?rd-Fulton Housing Services
Rut, Box 384
Everett, PA 15537
814-623-9129
FAX 814-623-7187
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
CCCS of Western PA, Inc.
217 E. Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
INDIANA COUNTY
CCCS OFWestern PA, Inc.
I North Gate Square
2 Garden Center Drive
Greensburg, PA 15601
724-838-1290
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Indiana County CAP
827 Water Street, PO Box 187
Indiana, PA 15701
724-465-2657
FAX 724-465-5118
CCCS of Western PA
219-A College Park Plaza
Johnstown, PA 15904
814-539-6335
JEFFERSON COUNTY
John F. Kennedy Center, Inc.
2021 East 20'" Street
Erie, PA 16510
814-898-0400
FAX 814-898-1243
Indiana County CAP
827 Water Street, Box 187
Community Action Southwest Indiana, PA 15701
22 West High Street 724-465-2657
Waynesburg, PA 15370 FAX 724-465-5118
724-852-2893
TAX _724.627-77-13 - -. -- - - - -- -- - - GGC-8 of Western -PA; Inc.
YMCA Building, 339 North Washington Street
Mon-Valle Unemployed Committee Butler, PA 16001
120 East 9' Avenue 724-282-7812
Homestead, PA 15120
412-462-9962
FAX 412-462-9964
CCCS of Western PA, Inc.
1 North Gate Square
2 Garden Center Drive
Greensburg, PA 15601
724-838-1290
JUNIATA COUNTY
CCCS of Western PA, Inc.
217 E. Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
Northwest Counseling Service
5001 ty. Broad Street
Philadelphia, PA 19141
215-324-7500
FAX 215-324-8753
Community Action Development Comm
113 East Main Street
Norristown, PA 19401
610-277-6363
FAX 610-277-2123
Community Housing Counselors Inc.
PO Box 244
Kennett Square, PA 19348
215-444-3682
FAX 215-444-8243
Media Fellowship House
302 S. Jackson Street
Media, PA 19063
610-565-0846
FAX 610-565-8567
American Credit Counseling Institute
845 Coates Street
Coatesville, PA 19320
888-212-6741
Phila. Council For Community Advmnt
100 North 17'h Street Suite 600
Philadelphia, PA 19103
215-567-7803
FAX 215-963-9941
American Credit Counseling Institute
144 E Dekalb Pike
King of Prussia, PA 19406
610-971-2210
FAX 610-265-4814
American Credit Counseling Institute
755 York Road, Suite 103
Warminster, PA 18974
215-444-942 9
FAX 215-956-6344
MONTOUR COUNTY
CCCS of Northeastern PA
31 W. Market Street, PO Box 1127
Wilkes-Barre, PA 18702
570-821-0837,800-922-9537
FAX 570-821-1785
NORTHUMBERLAND
CCS of Northeastern PA
31 W Market Street, PO Box 1127
Wilkes-Barre, PA 18702
570-821-0837,800-922-9537
FAX 570-821-1785
CCCS of Northeastern PA
1400 Abington Executive Park, Suite I
Clarks Summitt, PA 18411
570-587-9163,•800-922-9537
FAX 570-587-9134/9135
CCCS of Northeastern PA
201 Basin Street
Williamsport, PA 17703
570-323-6627
FAX 570-323-6626
EOC of Schuylkill County
225 North Centre Street
Pottsville, PA 17901
570-622-1995
FAX 570-622-0429
PERRY COUNTY
CCCS of Western PA, Inc.
2000 Linglestown Road
Harrisburg, PA 17102
717-541-1757
FAX 717-541-4670
Urban league of Metro Harrisburg
2107 North 6'h Street
Harrisburg, PA 17101
717-234-5925
FAX 717-234-9459
YWCA of Carlisle
301 G Street
Carlisle, PA 17013
717-243-3818
FAX 717-243-3948
Financial Counseling Services of Franklin
31 West 3rd Street
Waynesboro, PA 17268
717-762-3285
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
T' hwest Counseling Service
'-IN Broad Street
Pfii7adelphia, PA 19141
215-324-7500
FAX 215-324-8753
CCCS of Delaware Valley
1515 Market Street, Suite 1325
Philadelphia, PA 19107
215-563-5665
FAX 215-864-2666
HACE
167 W Allegheny, 2nd floor
Philadelphia, PA 19140
215-426-8025
FAX 215-426-9122
Media Fellowship House
302 S Jackson Street
Media., PA 19063
610-565-0846
FAX 610-565-8567
PCCA
100 N 17'h Street, Suite 500
Philadelphia, PA 19103
215-567-7803
FAX 215-963-9941
CCCS of DelawareValley
One Cherry Hill, Suite 215
Cherry Hill, NJ 08002
215-563-5665
Housing Assoc. of Delaware Valley
1500 Walnut Street, Suite 501
Philadelphia, PA 19102
215-545-6010
FAX 215-790-9132
Housing Assoc. Of Delaware Valley
658 North Watts Street
Philadelphia, PA 19123
215-978-0224
FAX 215-765-7614
Community Devel. Corp of Frankford
Group Ministry
4620 Griscom Street
Philadelphia, PA 19124
215-744-2990
FAX 215-744-2012
CCCS of Northeastern PA CAC of the Capital Region American Credit Counseling Institute
1400 Abington Executive Park, Suite-l- AS IA-DertgStreet - - - - - - 84-5 -Coates -Street
Clarks Summitt, PA 18411 Harrisburg, PA 17104 Coatesville, PA 19320
570-587-9163,800-922-9537 717-232-9757 888-212-6741
FAX 570-587-9134/9135 FAX 717-234-2227
NORTHHAMPTON COUNTY
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610-821-4011
800-220-2733 (717) and (814) ONLY
FAX 610-821-8932
PHILADELPHIA COUNTY
Acorn Housing Corporation
846 North Broad Street
Philadelphia, PA 19130
215-765-1221
FAX 215-765-1427
American Credit Counseling Institute
144 E Dekalb Pike
King of Prussia, PA 19406
610-971-2210
FAX 610-265-4814
American Credit Counseling Institute
755 York Road, suite 103
Warminster, PA 18974
215444-9429
FAX 215-956-6344
17 Crptlon Street
401
" WARREN COUNTY
"
ton Center
T
Washi
k 3,? 'est Market Street
%:
Cs-Barre
PA 18702
Wellsboro, PA 16 er
.
ng
poo .
,
'
570-724-5252 1720 Holland Street 516421-0837,
800-922-9537
FAX 570-724-5783 Erie, PA 16503 FAX 570-821-1785
814-453-5744
103 Warren Street, PO Box 709 FAX 814-453-5749 The Trehab of NE PA
Tunkhannock, PA 18657
570-836-6840 Greater Erie CAC 185 Elmira Street, PO Box 218
FAX 570-836-6332 18 West 9'h Street Troy, PA 16947
Erie, PA 16501 570-297-2101
German Street, PO Box 389 814-459-4581 FAX 570-297-2799
Dushore, PA 18614 FAX 814-456-0161
570-928-9668 -- 17 Crafton Street
FAX 570-928-8144 Warren-Forrest Counties EOC We] Isboro, PA 16901
1209 Pennsylvania Avenue, West 570-724-5252
931 Main Street PO Box 547 FAX 570-724-5783
Honesdale, PA 18431. Warren, PA 16365
570-253-8941 814-726-2400 103 Warren Street, PO Box 709
FAX 570-2534817 FAX 814-723-0510 Tunkhannock, PA 18657
570-836-6840
7 Lake Avenue, Box 339 WASHINGTON COUNTY FAX 570-836-6332
Montrose, PA 18801 Action Housing, Inc.
570-278-3338, 800-9824045 425 6`h Avenue, Suite 950 German Street, PO Box 389
FAX 570-278-1889 Pittsburgh, PA 15219 Dushore, PA 18614
412-391-1956,412-281-2102 570-928-9668
UNION COUNTY FAX 412-3914512 FAX 570-928-8144
Lycoming-Clinton County STEP
2138 Lincoln Street, PO Box 1328 CCCS of Western PA, Inc. 931 Main Street
Williamsport, PA 17703 1 North Gate Square Honesdale, PA 18431
570-326-0587 2 Garden Center Drive 570-253-8941
FAX 570-322-2197 Greensburg, PA 15601 FAX 570-2534817
724-838-1290
CCCS of Western Pennsylvania, Inc. WESTMORELAND COUNTY
217 East Plank Road Housing Opportunities, Inc. Action Housing, Inc.
Altoona, PA 16602 133 Seventh Street 4256 1h Avenue, Suite 950
814-944-8100 McKeesport, PA 15132 Pittsburgh, PA 15219
FAX 814-944-5747 412-664-1590 412-391:1956,412-281-2102
FAX 412-664-0873
CCCS of Northeastern Pennsylvania Community Action Southwest
Credit Counselors of PA 22 West High Street
31 W. Market Street, PO Box 1127 401 Wood Street, Suite 906 Waynesburg, PA 15370
Wilkes-Barre, PA 18702 Pittsburgh, PA 15222 724-852-2893
570-821-0837,800-922-9537 412-338-9954,800-737-2933
FAX 570-821-1785 FAX 412-338-9963 CCCS of Western PA, liu.
1 North Gate Square
1400 Abington Executive Park, Suite I Community Action Southwest 2 Garden Center Drive
Clarks Summitt, PA 18411 22 West High Street Greensburg, PA 15601
570-587-9163, 800-922-9537 Waynesburg, PA 15370 724-838-1290
FAX 570-587-9134/9135 724-852-2893
Housing Opportunities, Inc.
201 Basin Street 53 N. College Street 133 Seventh Street
Williamsport, PA 17703 Washington, PA 15301 McKeesport, PA 15132
570-323-6627 724-222-8292 412-664-1590
FAX 570-323-6626 FAX 412-664-0873
_.._VENANGO _CO_UN--T_Y_. _ - -. - .- -
Greater Erie Community Action Committee
18 West 9'h Street
Erie, PA 16501
814-459-4581
FAX 814456-0161
Mon-Valle Unemployed Committee
120-East 9' Avenue - - -
Homestead, PA 15120
412-462-9962
FAX 412-462-9964
Keystone Economic Devel. Corporatibri
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
CCCS of Western Pennsylvania, Inc.
339 N. Washington Street, YMCA Bldg.
Butler, PA 16001
412-282-7812
WAYNE COUNTY
CCCS of Northeastern PA
1400 Abington Executive Park, Suite I
Clarks Summitt, PA 18411
570-587-9163,800-922-9537
FAX 570-587-9134/9135
Tableland Services Inc.
535 East Main Street
Somerset, PA 15501
814-445-9628,800-452-0148
FAX 814-443-3690
John F. Kennedy Center, Inc. 199 Edison Street
2021 East 201h Street 9 South 7'h Street Uniontown, PA 15401
Erie, PA 16510 Stroudsburg, PA 18360 724-439-8939
814-898-0400, FAX 814-898-1243 '570-420-8980, FAX 570420-8981
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AFFIDAVIT OF MAILING ACT 91 NOTICE
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF BERKS
Constance M. Cocroft, being duly sworn according to law,
deposes and says that she is Vice President of Asset
Recovery of Sovereign Bank, sucJ?e_ssor to Penn Savings Bank,
Plaintiff herein, and that on rZr)eK 2G1, ZCX) ^] she
mailed the Notice pursuant to the Homeowners' Emergency
Mortgage Assistance Act of 1983, copies of which are
attached here o, to the within
Defendants,
that the required period of time
has elapsed since mailing of said Notice; and that the
Plaintiff has received no response from the Defendants, or
from any consumer credit counseling agency with regard to
the Homeowner's Emergency Mortgage Assistance Act.
Constance M. Cocroft
Vice President
Sworn to and subscribed before me this day
----°-f rklr? t ?(l f11 200P I _smS-_
?, Notar blic
Y
COMMONWEALTH OF PENNSYLVANIA
Notarial real
Shannon M. Shl.-y lr, Notagi Public
City of Rsadi?. Belks County
My Commission Expires Oct. 4, 2009
Member, Pemsylvanis Asmamdon of Notaries
THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY
SOVEREIGN BANK
V.
PAUL A. MATTUS (MORTGAGOR AND ?'i = r
RECORD OWNER) AND PAMELA S. :?-
MATTUS (RECORD OWNER) AND THE
UNITED STATES OF AMERICA, c/o x=
-
DEPARTMENT
ATTORNEY GENERAL ,
,
OF JUSTICE
lFJ ••f.
No. 08-1551 Civil Term
RE; Complaint for Civil Action
To the best of my ability is response to admit or deny complaint.
1. Admitted
2. (a) Admitted
,(b) Admitted
(c) Denied. No answer
3. (a) Denied After investigation defendant does not know whether true or not.
(b) Denied After investigation defendant does not know whether true or not.
(c) Denied After investigation defendant does not know whether true or not.
(d) Denied Answer not necessary - conclusion.
4. Denied. After investigation defendant does not know whether true or not.
5. Denied. Conclusion. Answer not required.
6. Denied. Defendant has had several conversations with plaintiff agents to come to
agreement on. payment.
7. Denied. After investigation does not know.whether or not true.
Denied. Defendant denies that he owes sum claimed by plaintiff.
A. Denied. Conclusion by plaintiff. No answer required.
PAUL MATTUS
.
3810 Market. St..
Camp );fill :PA 1,701,1
Er'h-t b('i b
VERIFICATION
I, Paul A. Mattus, am the defendant in this complaint and the statements of fact
made in the foregoing Answer to Civil Action Complaint are true and correct to the best
of my information and belief. The undersigned understands that the statements herein are
made subject to the penalties relating to unworn falsification to
2 1 Sovereign Bank I
No.
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Plaintiffs,
VS.
Paul Mattus and,
Pamela S. Mattus
Defendant.
Civil Action
CERTIFICATION OF SERVICE
I certify that, on June 24 2008, I mailed a true and correct copy of the Answer to
Civil Action Complaint upon:
Sovereign Bank
601 Penn Street
Reading, PA
The United States of America
Attorney General, Dept of Justice
615 Chestnut Street
Philadelphia, PA 19105
Rob Saltzman, Esq.
20000 Horizon Way, Suite 900
Mt. Laurel, NJ 08054
Paul A. Mattus
PLUESE, BECKER & SALTZMAN, LLC
Attorneys at Law
ROB SALTZMAN •
RSaltzmar0pbslaw.ore
20000 HORIZON WAY
SUITE 900
MT. LAUREL, NEW JERSEY 080544318
(856)813-1700
FACSIMILE: (856) 813-1720
OF COUNSEL:
Katz, Ettin & Levine, P.C.
The Law Offices of Barbara A. Fein, P.C. •
. PA and NJ Bars
Our File #78626
June 30, 2008
SANFORD J. BECKER
SBecker0nbslaw.ore
ROBERT T. PLUESE
RPlueseftbsiew.or¢
PENNSYLVANIA OFFICE:
425 COMMERCE DRIVE, SUITE 100
FORT WASHINGTON, PA. 19034
(215) 546-3205
ROBERT F. THOMAS
RThomas@12bslaw.ore Please reply to:
Mt. Laurel, New Jersey
TO: Paul A. Mattus (Mortgagor and Record Owner)
Pamela S. Mattus (Record Owner)
514 Partridge Court
Mechanicsburg, PA 17050
Re: Sovereign Bank vs. Paul A. Mattus (Mortgagor and Record Owner),
Pamela S. Mattus (Record Owner) and The United States of America c/o
Attorney General, Dept. of Justice
Cumberland County CCP #08-1551 Civil Term
Dear Mr. and Mrs. Mattus:
Enclosed please find original and two copies of Plaintiff's Interrogatories, Request for
Production of Documents, and Request for Admissions regarding the above referenced matter.
Kindly provide your response within the time afforded by the Rules of the Court.
Thank you for your cooperation in this matter and if you have any questions, please do not
hesitate to contact our office.
Very Truly Yours,
Robe . Thomas, Esquire
RFT/dk
Enc.
r'
Pluese,Becker & Saltzman
Robert F. Thomas, Esquire
Attorney Identification No.: 70206
20000 Horizon Way Suite 900
Mt Laurel, New Jersey 08054
(856) 813-1700
Attorney for Plaintiff
81104
SOVEREIGN BANK
Plaintiff
V.
PAUL A. MATTUS (MORTGAGOR AND
RECORD OWNER)
PAMELA MATTUS (RECORD OWNER)
THE UNITED STATES OF AMERICA,
C/O ATTORNEY GENERAL,
DEPARTMENT OF JUSTICE
Defendants
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 08-1551 CIVIL TERM
INTERROGATORIES
INSTRUCTIONS
1. If you claim any form of privilege, whether based on
statute or otherwise founded, as a ground for not answering an
interrogatory or any part of an interrogatory, set forth in complete
detail the nature of the privilege and all facts upon which the claim
is based.
2. If you claim any form of privilege, whether based on
statute or otherwise, as a ground for not describing requested oral
communication or documents, state the following:
(a) the date thereof;
(b) the name, the present or last known home and
business addresses and the telephone numbers thereto, the title (or
position), and the occupation of each of the participants in said
oral communication, or of those individuals who prepared, produced,
or reproduced, or who were recipients of, said document;
(c) the name, the present or last known home and
business addresses and the telephone numbers thereto, the title (or
position), and the occupation of each person present during all or
any part of said oral communication;
(d) a description of the oral communication or of the
document sufficient to identify it without revealing the information
for which the privilege is claimed; and
(e) each and every fact or basis upon which you claim
any such privilege.
3. Whenever a date, amount, or other computation or
figure is requested, the exact date, amount, or other computation or
figure is to be given unless it is not known; and then the
approximate date, amount, or other computation or figure should be
given or the best estimate thereof: and the answer shall state that
the date, amount, or other computation is an estimate or
approximation.
4. ,If any document or copy thereof was, but is no longer,
in your possession or subject to your control, state what disposition
was made of it.
5. Where facts set forth in the answers or portions
thereof are supplied upon information and belief, rather than upon
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PLUESE, BECKER & SALTSMAN
your direct personal knowledge, you should so state, and specifically
identify each source of such information and belief. Should you be
unable to answer any interrogatory or portion thereof by either
actual knowledge or upon information and belief, you should so state
and detail your efforts to obtain such knowledge.
6. No answer is to be left blank. If the answer to an
interrogatory or subparagraph of an interrogatory is "none" or
"unknown", the word "none" or "unknown" must be written in the
answer. If the question is inapplicable, the words "not applicable"
must be written in the answer.
7. References to an individual, partnership, or
corporation include any and all agents, employees, representatives,
attorneys, and all other persons or entities acting on his, her, or
its behalf or under his, her, or its control.
8: The following interrogatories shall be deemed to be
continuing, and any additional information (including, but not
limited to, any conclusions, opinions, or contentions) that is
different from that set forth in your answer to these
interrogatories, which you acquire subsequent to the date of trial,
shall be furnished to the attorneys for Plaintiff promptly after such
information is acquired.
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PLUESE, BECKER & SALTSMAN
r
DEFINITIONS
For the purpose of these interrogatories, the following
definitions hereinafter apply to the most frequently used words and
their derivatives. For all other words, rely upon the common meaning
found in any standard English dictionary.
A. The term "address(es)" refers to all current home and
business address(es) and telephone number(s). All known or last
known address(es) should be provided.
B. The term "and" shall mean and/or.
C. The term "contact(s)" refers to any direct or indirect
person to person communication, oral or written, in person and/or
through anyone or anything else.
D. The term "conversation(s)" refers to any verbal or
non-verbal expression(s) or conduct; all sounds, utterances, noises,
acts or movements made by anyone which were (are) sensed as having
any meaning.
E. The term "description(s)" refers to discourse intended
to give a mental image(s) of something experienced; a descriptive
statement or account of kind or character, especially as determined
by any important feature(s) or circumstance(s).
F. The term "document(s)" is used herein in the broadest
sense possible, and without limitation, to refer to the original, and
to any non-identical copy of any original, of any tangible source of
information including computer printouts, or microfilm, computer
tape/card, tape recording, photograph, film, video tape, any evidence
of any communication, regardless of its manner of representation,
consisting of letters, words, numbers, symbols, characters, pictures,
graphic presentation, or sounds, or of any combination thereof,
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PLUESE, BECKER & SALTSMAN
regardless of its origin, or of its location, which is, as of the
date of service of these interrogatories, in the custody of, or in
any way subject to the control of defendant(s) or their attorney(s).
The term "document(s)" also refers to all preliminary
drafts, versions, or revisions of any of the aforementioned, to all
underlying, preparatory, or supporting materials thereto, and to all
studies, analyses, or other evaluative or interpretative reports
thereof.
G. The term "expert(s)" refers to any expert who has
rendered any opinion.
H. The term "fact(s) refers to occurrences and things
personally witnessed and facts intended to be produced at trial,
including all things known or believed to be true by you, your
attorney(s), agent(s), servant(s) or employee(s); including tangible
things or physical places or conditions and the existence,
description, nature, custody, condition and location of andy books,
documents or other tangible things. If facts are not personally
witnessed, please state the source of the knowledge or supposition.
If facts are known or suspected through hearsay source(s), please
identify the hearsay source(s).
I. The terms "identify", "identify", or "identification"
shall have the following meanings:
(1) When used in reference to an individual natural
person, shall mean to state the name, age, the present or last known
business and residence addresses (including street name and number,
city or town, state, and telephone number(s)), the current business
affiliation and position and the position during the time specified
of said individual.
(2) When used in reference to. any other entity
included within the definition of "person(s)" above, shall mean to
state the current or last known full business name and all previously
registered and/or operating names, if any, the present or last known
business address, the nature of the business, and the identity of the
chief executive officer(s) and/or general manger(s) throughout the
specified time period of said entity.
(3) When used in reference to a document, shall mean
to state the following:
(a) the date of its preparation;
(b) the identity of its author and of any
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PLUESE, BECKER & SALTSMAN
individual involved in its preparation and/or its production;
(c) the type of document (e.g. letter, chart,
memorandum, etc.) or some other designation by which to identify it;
(d) its contents;
(e) its present custodian or location; and
(f) the identification of all persons for whom
it was prepared, or who received copies of it, regardless of whether
or not said individuals were designated addressees or said document.
(4) When used in reference to a meeting or to an oral
communication, shall mean to state the following:
(a) the date and place thereof;
(b) the identity of the individual who initiated
said meeting or oral communication;
(c) the identity of each person who participated
in, or who was present at, any part of or all of said meeting or oral
communication, or who became privy to the substance of said meeting
or oral communication;
(d) the purpose, content and substance of said
meeting or oral communication; and
(e) whether said meeting or oral communication
occurred in person or by telephone, and, if both, the method by which
each individual participated.
(5) When used in reference to physical objects or
merchandise:
(a) present location;
(b) full physical description;
(c) number, color, weight and measurement;
(d) present fair market value.
J. The term "immediate" refers to general time in
relation to or directly preceding and following a fact or occurrence
of continuous or successive existence.
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PLUESE, BECKER & SALTSMAN
K. The term "knowledge" refers to awareness of, or
information about, something gained through direct or indirect
experience or association.
L. The term "name(s)" includes all aliases, maiden
names(s) or former name(s) used, with or without legal proceedings,
as well as all prior corporate or trade name(s).
M. The term "observation(s)" refers to anything sensed.by
the five (5) senses.
N. The term "opinion(s)" refers to judgment, appraisal or
view formed in the mind. If lay opinion of named witnesses is known,
then such lay opinion should be specified.
0. The term "or" shall mean and/or.
P. The term "oral communication" shall. mean any
utterance, spoken or heard, whether in person, by telephone, or
otherwise.
Q. The term "person(s)" refers to any human or non-human
entity whatsoever, including any individual(s), partnership(s),
association(s), corporation(s), or combination(s), natural person(s),
proprietorship(s), trust(s), joint venture(s), group(s) and
organization(s), whether or not recognized by law.
R. The term "possession" refers to having or taking
anything into control, something owned, occupied or controlled.
S. The terms "refer to" and "concerning" shall mean
directly or indirectly, in whole or in part, referring to, relating
to, connected with, commenting on, impinging or impacting upon,
affecting, responding to, showing, describing, analyzing, reflecting
or constituting.
T. The term "set forth specifically and in detail"
obligates you to:
(1) State all facts in detail, vis-a-vis, when,
where, how and in what manner the fact(s) occurred;
facts (s);
(2) How, where, when and from whom you learned said
(3) Identify any documents or oral communications
which substantiate the fact(s) alleged;
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PLUESE, BECKER & SALTSMAN
(4) Identify the person(s) having custody or control
of each such document;
(5) Identify any person(s) who substantiate(s) the
fact(s) alleged; and
(6) Attach a copy of all documents or set forth in
detail the legal/factual basis for your refusal to attach same.
U. The term "statement(s)" refers to a narration of
summary of facts and/or opinion.
V. The term "time(s)" refers to a definite period of
duration: e.g.; moment, second, minute, hour, date, year, season,
etc.; the general idea of relation or fact of continuous or
successive existence.
W. The term "you/your" is you, the party to whom these
interrogatories are directed, your attorneys, immediate family, your
business/personal agents, servants and/or employees.
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PLUESE, BECKER & SALTSMAN
RELEVANT TIME PERIOD
Unless otherwise stated in the within Interrogatories,
information requested is for the period from the beginning of
negotiations between or among the parties regarding the contract (s)
at issue herein up to and including. the date of trial ("relevant
period"). If during the relevant period, there are any changes in
any of the information sought by the within Interrogatories, each
such change is to be provided, specified by date and described in
detail.
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PLUESE, BECKER & SALTSMAN
1. State the name and addresses of all persons who have
knowledge of any relevant facts relating to this action, or whom
answering Defendant will call as witness(es) at trial. Regarding
each witness, state in summary from the anticipated substance of the
testimony of each such witness.
2. Have you employed any expert(s) to render an opinion or
otherwise act on your behalf in any matter pertaining to this action?
If so for each such expert state:
(a) his or her name and address;
(b) his or her occupation and specialty;
(c) A description of his or her qualifications;
(d) The number of years of experience in his or her specialty;
(f) The name of each professional society or organization of
which he or she is a member;
(g) A description of the services he or she has been employed
by you to perform;
(h) A description of the remuneration for the services rendered
by such expert;
(i) Whether you propose to call him or her as a witness;
(j) Whether he or she has ever been a witness in any other
lawsuit, and if so, for each lawsuit, state the caption of the
action, the kind of claim(s) involved, the date of filing, and the
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PLUESE, BECKER & SALTSMAN
name and address of the party for whom he or she gave evidence;
(k) Whether you are personally or professionally associated
with such individual.
ANSWER:
3. Have you, or any or your employees, attorneys or
representatives obtained a written statement regarding any of the
matters involved in this action?
If so, for each statement, state:
(a) The date it was made;
(b) The name, address and telephone number of the person who
made it;
(c) The name, address, telephone number and occupation of each
person who was present when it was made;
(d) The date it was obtained by you, or on your behalf;
(e) The name, address, telephone number, occupation, and
relationship to the person who obtained it on your behalf;
(f) The name, address, telephone number and occupation of the
person having present custody of it.
Attach a copy of each such statement to your answer to these
interrogatories.
4. Other than as previously stated, have you or any of your
employees, attorneys or representatives obtained a written statement
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PLUESE, BECKER & SALTSMAN
from any person who has, or claims to have knowledge of any facts
involved in action?
If so, for each statement, state:
(a) The date it was obtained;
(b) The place it was obtained;
(c) The name, address, telephone number and occupation of the
person who made it;
(d) The name, address, telephone number, occupation and
relationship to you of this person who obtained it;
(e) The name, address, telephone number, occupation and
relationship to you of each other person present when it was
obtained.
(f) The name, address, telephone number and occupation of the
person having present custody of it.
Attach a copy of each such statement to your answer to these
interrogatories.
5. Has any oral statement been made to you, your attorneys or
representatives, by any person who has, or claims to have, knowledge
of any facts regarding any issue in this action?
If so, for each oral statement, state:
4 2-
PLUESE, BECKER & SALTSMAN
(a) The date and time it was made;
(b) The name, address, telephone number and occupation of the
person who made it;
(c) The. name, address, telephone number, occupation, and
relationship to you of this person to whom it was made;
(d) Where it was made;
(f) The name, address, telephone number, occupation and
relationship to you of each other person present when the statement
was made.
6. If you know of the existence of a record which evidences
any of the oral statements referred to in your answers to the
preceding interrogatory, attach a copy* of such record to your answers
to these interrogatories.
7. Do you have knowledge of any fact(s) pertaining to,
connected with, or in support of any or the allegations contained in
your Answer to the Complaint herein?
If so, for each separate and/or affirmative defense, state:
(a) Each fact about which you have knowledge;
(b) What the knowledge is, in each case;
(c) The manner in which such knowledge was acquired;
(d) The name and address of each person, or entity known to
you, your attorneys or representatives, who also has (have) knowledge
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PLUESE, BECKER & SALTSMAN
of such facts;
8. Do you know of any document (s) which support (s) any of the
allegations referred to in the preceding interrogatories?
If so, for each such document, state:
(a) A description of it;
(b) The name and address of the person who created it;
(c) The date it was created;
(d) The date you first became aware of it;
(e) The name and address of each person who has or can produce
a copy of it;
Attach a copy of each such document to your answers to these
interrogatories.
9. ' Do you contend that any person or entity not a party to
this action, acted in such a manner as to cause, or contribute to the
cause of the occurrence involved in this lawsuit?
If so, for each such person or entity, state:
(a) The name, or other means of identification, and address;
(b) The act(s) of such other person(s) or entity(ies) which
caused or contributed to the occurrence which is the subject of the
Complaint herein;
(c) A statement of all facts on which you rely to support such
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PLUESE, BECKER & SALTSMAN
contention.
10. Do you contend that any evidence tends to support any of
your defenses to the allegations contained in the Complaint herein?
If so, state:
(a) The evidence which support(s) such defense(s);
(b) The name and address of each person or entity, known to
you, who has knowledge of such evidence;
(c) The time and date each person or entity observed or
otherwise became aware of such evidence;
(d) Whether any photographs or copies were made of such
evidence;
and, if so,
(1) The name and address on the person who made them,
(2) The number taken;
(3) The subject of each;
(4) The name and address of the person or entity who has
custody of each.
Attach a copy of each such photograph or copy thereof to your
answers to these interrogatories.
11. State the facts upon which you base the allegations
contained in the New Matter filed with your Answer.
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PLUESE, BECKER & SALTSMAN
12. Other than as previously stated, State in detail what
proofs will be offered by answering Defendant(s) at the Trial of this
action to support any Defense, Counter-Claim, Third Party action, or
any other allegations set forth in these answers, or in any other
pleading filed or intended to be filed by answering Defendant(s).
Attach hereto a copy of every document forming a part of such proof.
13. If you contend that any statute, regulation, rule, standard
or other law was violated in any manner, set forth each such statute,
regulation, rule, standard or other law with specificity, and state
with specificity the bases for the claimed violation.
14. -Did you fail to perform any of your obligations under any
contract at issue herein?
If so, describe each such obligation you did not perform:
If you claim you were excused from performance of any such
obligation, state:
(a) The facts constituting the excuse;
(b) The dates and duration of each such fact;
(c) Whether it was possible for you to perform your
obligations despite such facts, and, if so, describe how your
performance would be made more expensive, time consuming or difficult
by reason of such facts.
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PLUESE, BECKER & SALTSMAN
t
15. Did you notify Plaintiff, or any authorized representative
of Plaintiff or Plaintiff's predecessor in interest of any reason for
your nonperformance?
If so, State:
(a) When you informed such person or entity;
(b) The manner in which you informed such person or entity;
(c) The substance of such communication;
(d) If any record was made as such communication, attach a copy
of the same to this answer.
16. State whether you made any attempt to overcome or alleviate
any fact which contributed to your nonperformance of any of your
contractual obligations herein.
If not, state why not.
If so, for each fact, state:
(a) The remedial action taken;
(b) The inclusive dates of such action;
(c) The degree of success achieved;.
(d) The reasons for any lack of success.
17. If the you claim that you in no way contributed to the
cause or existence of any fact (s) which caused or contributed to your
nonperformance, what do you contend was responsible for the creation
or existence of such facts?
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PLUESE, BECKER & SALTSMAN
18. Do you contend that any person or entity was instrumental
in the creation of any fact which resulted in the failure to perform
any of your obligations under any contract at issue herein?
19. If so, upon what facts do you base such contention?
20. Under the terms of the contract(s) as issue herein, state
what benefits or other advantages you were to receive:
21. Under the terms of the contract(s) as issue herein, state
what benefits or other advantages were any other party, person or
entity to receive.
22. Do you claim that you received an inadequate consideration
for the benefits conferred in the contract(s) at issue herein?
If so, what value do you attribute to the benefits you
received under the contract(s) at issue herein?
23. What value do you attribute to the benefits or other
consideration you conferred or were to confer under the contract(s)
at issue herein.
24. State the bases for your computation of the valuations made
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PLUESE, BECKER & SALTSMAN
in the foregoing interrogatories.
25. If someone is answering these interrogatories on your
behalf, identify the person and state the relationship of such person
to you?
26. Have you read each and every question contained in these
interrogatories?
27. Have you reviewed each and every question with your
attorney? If not, specify which questions were not reviewed with
your attorney.
28. Have you read each and every answer to the questions
contained in these interrogatories?
29. Have you reviewed each and every answer to the questions
set forth herein with your attorney? If not, specify which answers
you have not reviewed with your attorney.
30. Has your attorney explained to you that your answers to
these interrogatories are given under oath?
31. State the date on which these interrogatories were
answered.
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PLUESE, BECKER & SALTSMAN
32. Attach hereto copies of any and all documents relied upon
by your in answering each and every one of these interrogatories.
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PLUESE, BECKER & SALTSMAN
CERTIFICATION
We are aware that if any of the foregoing statements made
by us are willfully false, we are subject to punishment for contempt
of Court.
Date:
Date:
PAUL A. MATTUS
(MORTGAGOR AND RECORD OWNER)
PAMELA S. MATTUS (RECORD OWNER)
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PLUESE, BECKER & SALTSMAN
PLUESE,BECKER & SALTZMAN
Attorneys At Law
Robert F. Thomas, Esquire
Attorney I.D. No. 70206
20000 Horizon Way, Suite 900
Mt Laurel, New Jersey 08054
(856) 813-1700
Attorneys for Plaintiff
81104
SOVEREIGN BANK
Plaintiff
V.
PAUL A. MATTUS (MORTGAGOR AND
RECORD OWNER)
PAMELA MATTUS (RECORD OWNER.)
THE UNITED STATES OF AMERICA,
C/O ATTORNEY GENERAL,
DEPARTMENT OF JUSTICE
Defendants
-----------------------------
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO. 08-1551 CIVIL TERM
Civil Action
REQUEST FOR PRODUCTION
OF DOCUMENTS
DEFINITIONS
1. DOCUMENT shall include the plural and shall mean,
without limitation, unless otherwise indicated, the original and each
copy of each and any writing, evidence of indebtedness, memorandum,
letter, correspondence, facsimile transmittal, telegrams, note,
minutes, contract, agreement, inter-office communication, bulletin,
circular, pamphlet, photograph, study, notice, summary, invoice,
diagram, plan, drawing, diary, record or note of telephone
conversation, chart, schedule, entry, print, representation, record,
report and tangible item or thing of written, readable, graphic,
audible or visual material of any kind or character whether hand-
written, typed, xeroxed, photostated, printed, duplicated,
reproduced, recorded, photographed, copied, microfilmed, microcareded
or transcribed by any means, including without limitation, each
interim, as well as final, draft in each revision which is in the
possession of subject to the control of you or your present or former
agents, employees, or representatives, including counsel and
including any related corporations which performed any work for you
in connection with this matter.
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PLUESE, BECKER & SALTZMAN
2. YOU means the person to whom the request is addressed,
including the officers, director, agents, attorneys, employees or
representatives, and any and all persons acting or purporting to act
on said person's behalf and/or any and all entities acting or
purporting to act on said person's behalf.
3. PERSON or PERSONS includes plaintiffs, defendants,
third party plaintiffs, third party defendants and all others and
means the individuals and entities, including, without limitation,
individuals, representative persons, association, companies,
corporations, partnerships, limited partnerships, joint ventures,
trusts, estates, public agencies, departments, divisions, bureaus and
boards.
4. ALL and ANY shall mean ANY and ALL.
5. AND shall include OR and OR shall include AND.
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PLUESE, BECKER & SALTZMAN
INSTRUCTIONS
1. If you claim any form of privilege, whether based on
statute or otherwise founded, as a ground for not producing any
document or any portion of any document required to be produced
pursuant to this Request for Production of Document, set forth in
complete detail all facts upon which the claim of privilege is based.
2. If you claim any form of privilege, whether based on
statute or otherwise, as a ground for not describing requested oral
communication or documents, state the following:
(a) the date thereof;
(b) the name, the present or last known home and
business addresses and the telephone numbers thereto, the title (or
position), and the occupation of each of the participants in said
oral communication, or of those individuals who prepared, produced,
or reproduced, or who were recipients of, said document;
(c) the name, the present. or last known home and
business addresses and the telephone numbers thereto, the title (or
position), and the occupation of each person present during all or
any part of said oral communication;
(d) a description of the oral communication or of the
document sufficient to identify it without revealing the information
for which the privilege is claimed; and
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PLUESE, BECKER & SALTZMAN
(e) each and every fact or basis upon which you claim
any such privilege.
3. Whenever a date, amount, or other computation or
f igure is requested, the exact date, amount, or other computation or
figure is to be given unless it is not known; and then the
approximate date, amount, or other computation or figure should be
given or the best estimate thereof: and the answer shall state that
the date, amount, or other computation is an estimate or
approximation.
4. If any document or copy thereof was, but is no longer,
in your possession or subject to your control, state what deposition
was made of it.
5. References to an individual, partnership, corporation
shall include any and all other persons or entities action on his,
her or its behalf or under his, her or its control.
6. The following documents requests shall be deemed to be
continuing, and any additional document(s) not. produced in your
response, which you acquire subsequent to the date of the answering
of this Request for Production of Documents, up to and including the
date of trial, shall be furnished to the attorneys for the plaintiff
promptly after such information is acquired.
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PLUESE, BECKER &. SALTZMAN
RELEVANT TIME PERIOD
Unless otherwise stated in this Request for Production of
Documents, information requested is for the period from the beginning
of negotiations regarding the contract(s) at issue herein up to and.
including the date of trial ("relevant period"). If, during the
relevant period, there are any changes in any of the information
sought by this Request for Production of Documents, each such change
is to be provided, specified by date and described in detail.
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PLUESE, BECKER & SALTZMAN
DOCUMENTS TO BE PRODUCED
TO: Paul A. Mattus (Mortgagor and Record Owner)
Pamela S. Mattus (Record Owner)
514 Partridge Court
Mechanicsburg, PA 17050
1. Legible copies of the front and back (if applicable) of
all canceled checks or other evidence of payments made by answering
Defendant(s) on account of the obligations(s) at issue herein.
2. Legible copies of all correspondence between or among the
parties or other persons or entities relevant to this action.
3. Legible copies of all documents or other evidence upon
which answering Defendant(s) will rely at the trial of this action.
4. Legible copies of all documents referred to in
Defendant's pleadings.
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PLUESE, BECKER & SALTZMAN
CERTIFICATION
I hereby certify that the copies of the reports or
documents hereto attached are true copies of documents and reports in
our possession or of which I have knowledge; that the existence of
other reports, documents or writings relative to or supporting our
position or claim in the within action, including oral reports, are
unknown to me and if such become known or available, I shall serve
them promptly upon the party propounding this Request for Production
of Documents.
I hereby certify that the foregoing statements made by me
are true to the best of my knowledge, information or belief.
I am aware that if any of the foregoing statements made
by me are willfully false, I am subject to punishment for contempt of
Court.
Date:
PAUL A. MATTUS
(MORTGAGOR AND RECORD OWNER)
Date:
PAMELA S. MATTUS (RECORD OWNER)
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PLUESE, BECKER & SALTZMAN
PLUESE,BECKER & SALTZMAN
Attorneys At Law
20000 Horizon Way Suite 900
Mt. Laurel, New Jersey 08054
(856) 813-1700
Attorneys for Plaintiff
SOVEREIGN BANK
Plaintiff
v,
PAUL A. MATTUS (MORTGAGOR AND
RECORD OWNER)
PAMELA MATTUS (RECORD OWNER)
THE UNITED STATES OF AMERICA,
C/O ATTORNEY GENERAL,
DEPARTMENT OF JUSTICE
Defendants
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO.08-1551 CIVIL TERM
Civil Action
REQUEST FOR ADMISSIONS
REQUESTS FOR ADMISSIONS
TO: Paul A. Mattus (Mortgagor and Record Owner)
Pamela S. Mattus (Record Owner)
514 Partridge Court
Mechanicsburg, PA 17050
Pursuant to applicable Rules of Court, you are hereby requested
to admit (for purposes of the above-captioned action only) the
following:
1. The note/bond and Mortgage which are the subject of
this action were properly executed by answering Defendant(s).
2.. The copies of the note/bond and mortgage attached to
the Complaint herein are true and correct copies of the documents at
issue herein.
3. The execution of the said note/bond and mortgage was
riot procured by fraud or any other impropriety by Plaintiff,
Plaintiffs predecessor(s) in interest or any alleged agent of
Plaintiff.
4. Answering Defendant(s) had the capacity to enter into
the contract(s) at issue herein.
5. Answering Defendant(s) was (were) obligated to
maintain regular payments in accordance with the note/bond and
mortgage at issue herein.
6. Answering Defendant(s) was (were) in default of the
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PLUESE, BECKER & SALTZMAN
aforesaid obligations(s) at some time under the terms of the said
contract(s).
7. Answering Defendant(s) was (were) in default of its
obligations(s) of the note/bond and mortgage at the time set forth in
the Complaint (as Amended, if applicable) herein.
8. Defendants'(s') said default has not been cured as of
the date hereof
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PLUESE, BECKER & SALTZMAN
101 SOUTH GE0I6 STREET
Yorl? P.O. BOX 15068
YORK, PA 17405
Federal
&Uaw
ASSOCIAMN
ADJUSTABLE RATE NOTE 035
?/? 09ag
THIS NOTE CONTAINS A PROVISION ALLOWING FOR CHANGES IN
MY RMREST RATE. IF MY WIEREST RATE INCUASES, MY
MONTHLY PAYMFNfS WILL.BB HIGHER. IP MY INTEREST RATE
DECREASES, MY MONTHLY PAYMENTS WILL BE LOWER.'
APRIL 161996. HARRISBURG PENNSYLVANIA
car sru"
514 PARTRIDGE COURT, MECHANICSBURG, PA 17055
(Prop-- AWMN)
1. BORROWER'S PROMISE TO PAY
In return for a ban that I have raxived, I promise to pay US. S 214,400.00 (this amount is called
"pfrindpal), plus interest, to the ceder of the Lender. The Lender is York Federal Savings and Loan Association. 1 understand
that the Lender may transfer this Note. The lender or anyone who takes this Note by transfer and who is entitled to receive
payments under this Note is called the "Note Holder".
2. DVTEREST
Interest will be charged on that part of principal which has not been paid beginning on the date I receive principal and
continuing until the full amount of principal has been paid.
Beginning on the date I receive principal, I will pay interest at a yearly rate of 7.750 %. The interest rate that
I will pay will change in accordance with Section 4 of this Note. The interest rate required by this Section and Section 4 of this
Note is the rate I will pay both before and after any default-described in Section 7(B) of this Note.
3. PAYMENTS
(A) Time and Place of Payments
I will pay principal and interest by making payments every month.
I will make my monthly payments on the first day of each month beginning on JUNE 1, 1996
I will make these payments every month until 1 have paid all of the principal and interest and any other charges described below
that I may owe under this Notes My monthly payments will be applied to interest before principal. If on
MAY 1, 2026 , I still owe amounts under this Note, I will pay dose amounts in full on that date,
which is called the "maturity data".
Iwill make my monthly payn=13at YORK FEDERAL SAVINGS AND LOAN ASSOC, 101 SOUTH GEORGE ,
STREET, YORK, PA 17401 or at a different place if required by Note Holder.
(B) Amount of My Initial Monthly Payments
My initial monthly payments will be in the amount of U.S. S 1.535.99 This amount may change to
reflect changes in the interest rate that I must pay. The Note Holder will determine my mombly payment in accordance with
Section 4 of this Note.
4. INTEREST RATE AND MONTFILY PAYMENT CHANGES
(A) Change Dates
The interest rate I will pay may change on the fast day of MAY, 1997 , and on that day of
the month every TWELVE months thereafter. Each date on which my interest rate could change is called an Interest
Change Date.
My monthly payment m change on the first day of JUNE, 1997 and on that day of
the every ELYa months thereafter: Each date on which sty monthly payment could change is called a Payment
Change Date.
(B) The Index
Beginning with the rim Change Date, my interest rate will be based on an "Index". The Index is the "National Average
Contract Mortgage Rate for Purchase of Previously Occupied Single Family Homes Combined by all Major L.endere publisbed
by the Federal Housing Finance Board.The most recent Index figure available as of 45 days before each Clrmge Dates called the
"Current Index".
If the index is no longer available, the Note Holder will choose a new index which is based upon comparable information.
_The-Nose-Balder will _.._. _ • >e_...?., _. -... - -- - - _ ,_.,. _:.a...:.....
_
_:grvemitnohoe_ofila-droioe.?
(C) Cakatation of•Changes
Before each Change Dace, the Note Holder will calculate my new interest rate by adding TWO AND AE-HAl F
percentage points ( 2.500 %) to the Current Index. The sum will be my new interest rate. My interest rate will not
be changed by more dim 1.7 50 percentage points on any Change Date. My interest rate will not be changed by more
than 6.000 percentage points over the life of my ban.
The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay in full the principal
I am expected to owe on the Change bate in substantially equal payments by the maturity date at my new interest rate. The result
of this calculation will be the new amount of my monthly payment.
(D) Effective Date of Changes
My new interest rate will become effective on each Change Date. I willpay the amount of my new monthly payment
beginning on the fast monthly payment date after the Change Date until the amount of my monthly payment changes again.
(E) Notice of Changes
The Note Holder will mail or deliver to me a notice before each Payment Change Date. The notice will advise me of:
01 the new interest cafe on my ban as of the Change Date;
(m) the amount of my new monthly payment following the Change Date;
CIO any additional matters which the Note Holder is required to disclose; and
04) the tithe and telephone number of a person who will answer any question I may have regarding the notice.
n"cid 0000000e" ACCT,1 160062997
?,xln tbi-t ?.J
SAORROWF.R'S RIGHT TO PREPAY.
NOW the right to make payments of prindi , any time before they are due. A payment of principal only is mown as a
"prepayment". When I make a prepayment, I win tell thy Note Holder in writing that I am doing am
I may make a full prepayment or a partial prepayment without paying any penalty. The Note Holder will use all of my
prepayments to reduce the amount of principal that I owe under this Note. If I make a partial prepayment, there will be no will delays
in the due does of my monthly payments unless the Note H61der agrees in writing to those delays. My partial prepayment
reduce the amount of my monthly payments on the first Payment Change Date following my partial prepayment However, any
reduction due to my partial prepayment may be offset by'an inkiest rate increase.
6. LOAN CHARGES
If a law which applies to this loan and which sets maximum loam charges is finally interpreted so that the interest or other loan
charges collected or b be collected in connection with this loan exceed the permitted limits, then: (i) any such loan charge shall
be reduced by the amount necessary to reduce the charge to the permitted limit and (n) any stuns already collected from erne which
exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the principal
I owe under this Note or by making a direct payment to me, If a refund reduces principal,. the reduction will be treated as a
prepayment.
padw 7. BORROWER'S FAILURE TO PAY AS REQUIRED
(A) Late Charge for Overdue Payments
If the Note Holder has not received the full amount of any of my monthly payments by the end of 15 calendar days after
the date it is dire, I will pay a late charge to the Note Holder. The amount of the charge will be 5% of my overdue payment
of principal and interest I will pay this late charge promptly but only once on any late paymenL
(B) Default
If I do not pay the full amount of each monthly payment on the date it is due, I will be in defanlL
(C) Notice of Default
If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by
a certain date the Note Holder may require me to pay immediately the fall amount of principal which has not been paid and
all the interest that I owe on that amount That date must be at least 30 days after the date on which the notice is mauled or
delivered to me.
(D) No Waiver by Note Holder
Even if, at a time which I am in default, the Note Holder does not require me to pay immediately in full as described
above, the Note Holder will still have the right to do so if I am in default at a later time.
(E) Payment of Note Holder's Costs and Expenses
If the Note Holier has required me to pay immediately in full as described above, the Note Holder will have the right
to be paid bark by nun for all its reasonable costs and expenses to the extent not prohibited by applicable law. Those expenses
may include, for example, reasonable ammneys'-fees.
8. GIVING OF NOTICES
Unless spplicable law requires a different method, any notice that must be given to me under this Note will be given by mailing
it by fast class mail or by delivering it to me at the Property Address above or at a different address if 1 give the Note Holder
a notice of my different address.
Any notice drat must be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note
Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address.
9. OBLIGATIONS OF PERSONS UNDER THIS NOTE
If more [hart one person signs this Now, each person is filly and personally obligated to keep all of the promises made in this
Note, including the promise to pay the full amount owed Any person who is a guarantor. surety, or endorser of this Note is also
obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety. or
endorser of this Note, is also obligated to keep all of promises made in this Note. The Note Holder may enforce its rights under
this Note against each person individually or against all of us together. This means that any one of us may be required to lay
all of the amounts owed under this Nov-
10. WAIVERS
I and any other person who has obligations under this Note waive the the rights of presentment and notice of dishonor.
"Ptesentumr means the right to require the Note Holder to demand payment of amounts due. "Notice of dishonor' means the
right to require the Note Holder to give notice in other persons that amounts due have not been paid.
11. THIS NOTE SECURED BY A SECURITY INSTRUMENT
In addition to the protections given to the Note Holder under this Note, a Mortgage, Dad of Trust or Deed to Secure Debt
(the *Security btstrument") with an Adjustable Rate Rider, dated the same day as this Note, protects the Now Holder from possible
losses which might result if I do not keep the promises which I make in this Note. That Security Instrument and Rider describe
how and under what conditions I may be required to make immediate payment in full of all amounts that I owe under this Note.
Some of those conditions are desambed as follows
"TratWer of the Property or a Beneficial Interest in Borrower. If all or any pat of the Property or an interest therein is sold
or tract med (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's
prior written consent, Lerida may at Lender's option, declare all the atoms secured by this Security Instrument to be immediately
due and payable. however, this op bX Lender tier shall not be exercised if a a-Dotaatthanzed.b Bederal law; ..?
r_.f-_.- . E(
- _ ' u Erl5 ercuea i5 i n w ecce, fainter shall msi7Borrower... .. _. notice of sxelaadon in accordance with paragraph
14 hereof. Such notice shall provide a period of not less than 30 days from the date the notice is mailed within which Borrower
may pay the sums de ch ed doe. If Borrower fails to pay such am prior to the expiration of such period: Leader may, without
further notice or demand on Borrower, invoke my remedies permitted by paragraph 18 hereof.
'Notwithstanding a or transfer, Borrower will continue to be obligated under the Note and M Security Instrument unless
Lends h in writing.'
Wl net and the seal(s) of the undersigned
(Sean
wihnsss A MATTUS / E - eta ow•r
(sea)
drre"r
V drrowar (Sean I
(Seal}
orrower
A-I Note Mersin
1334 (Rev. 5191) - Do ld COODMI54 (Sign Original Only)ACCT# 160062997
i ENCLOSURE FOR YOUR MJFORMA7IC Dam: 7/17/96
' Our Flo
No.: 96-09
Re; Paul A. Nattust 514 Partridge Court , Mechanicaborg, PA Yov Fiat. 160062997
17055' '
Enclosed please find Commonwealth Land Title Insurance Company's Loan Polity in
.reference to the above-described transaction.
Please caeact us i you have any questbns. Sincerely.
lL i
r
LORI 1lORTCACE CEM1E3
Stacey
oitaut
101 SOUTH GIORCE STMMT to Janes P. Spade
TO P.O. SOI 15068- u 0-
YORK PA 17605-7068 CoNNULY, REM & SPADE
100 412 WAMR STUFFY
IUN ASELO L PENMYLVA14A 171em
C2 qq-
Joys- -7
:%EC0F%01 OF GE=DS
'96 HPH 24 fln 11 19
[Space Ab9ve Ibb Use For Recwdtoa Data) -
MORTGAGE
nM MORTGAGE ("Security Instrument") is given on APRIL 16, 1996
The mortgagor is PAUL A MATTUS
York Federal Savings and Loan Association ("Borrower'). This Security instrurnent is given to
which is organized and existing under the laws of THE UNITED STATES OF AMERICA and whose address b
101 South George Street, PO Box 15068, York, PA 17405-7068 . -
('Leader'). Borrower owes Lender the principal sum of
TWO HUNDRED FOURTEEN THOUSAND FOUR HUNDRED AND NO/100*******************************
Dollars (U.S. $ 214, 400.00 ). This debt ip evidenced by Borrower's note dated the same date as this Security
Insa umem ('Note'), which provides for mosubly payments, with the full debt, if not paid carHa. doe and payable on
MAY 1, 2026 This Security Instrument secures to Lender: (a) the repayment of the debt evidenced
by the Note, with inmrut, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with
inlercat, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance of Borrower's
covemmts and agrccuseots under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage,
grant and convey to under the following dc=-w property located in CUMBERLAND
County. Pennsylvania:
THE PROPERTY MORTGAGED HEREIN IS MORE PARTICULARLY DESCRIBED IN
EXHIBIT "A", WHICH IS ATTACHED TO THIS MORTGAGE AND MADE A PART
OF THIS MORTGAGE.
e
--- -
which has the address of 514 PARTRIDGE COURT
[S°Oe9 -
Pennsylvania 17055 (*Property Address");
Rip Codel
PENNSYLVANIA - Sbb& Famiy - Fannie MadFteddk Mac UNIFORM Nt MUMM
ITEM 1960L1 19211) Doer 0000000944
11fi t13i5racE 602
MECHANICSBURG
ICkyl
Form 3039 9190 (pose I of 6 pares)
and L" swap Fwm ML ¦
Ta 0rdrr err 1-800-5311-M D FAX 118-M-1131
ACCT/ 160062997-.
? c
TOGETH13R WITH all the improvements now or hereafter erected on the property, and all casements, appurtenances,
and fixtures now or bereafter a part of the property. All replacements and additions shall also be covered by this Security
Instrument. All of the foregoing is referred to in this Security Instrument as the `Property."
BORROWER COVENANTS that Borrower is lawfully sedsed of the estate hereby conveyed and has the right to
mortgage, grant and convey the Property and that the Property is anmctimbered, except for encumbrances of record.
Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any
encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and nonuniform covenants with
limited variations by jurisdiction to constitute a uniform security instrument covering real property.
UNIFORM COVENANT'S. Borrower and Lender covenant and agree as follows:
1. Payunent of Principal and Interest; Prepayment and Lau Charges. Borrower shall promptly pay when due the
principal of and Interest on the debt evidenced by the Note and any prepayment and late charges due under the Note.
2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Leader. Borrower shall pay
to Leader on the day monthly payments an due under the Note, until the Note is paid in full, a arm ('Funds') for: (a) yearly
taxes and assessments which may attain priority over this Security Instrument as alien on the Property; (b) yearly leasehold
payments or ground redo on the Property, if any; (c) yearly hazard or property insurance premh mr, (d) yearly flood
insurance premiums, if my; (e) yearly mortgage insurance lnemiuma, if any; and (f) any sumo payable by Borrower to
Lender, in accordance with the provisions ofparagraph 8, in lieu of the payment of mortgage insurance premiums. These
items are called 'Escrow Items.' Lender may, at any time, collect slid hold Funds in an amount not to exceed the mule mlm
amount a leader for a federally related mortgage ban may require for Borrower's escrow account under the federal Real
Estate Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. § 2101 er seq. ('RESPA'), unless
another law that applies to the Funds sets a lesser amorrt. If so, Lender may, at any time. collect apt--hold Punts in an
amatnt not to exceed the lesser amount. Lender may estimate the amount of ands doe on the basis of current data and
reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with applicable law.
The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity
(including Lender, if Lender Is such an institution) or in any Federal Home Loan Bank. I coder shall apply the Funds to pay
the Escrow Items. Lender may not charge Borrower for holding and applying the Funds, annually analyzing the escrow
account, or verifying the Escrow hams, unless Leader pays Borrower interest on the Funds and applicable law permits
Lender to make such a charge. However, Lender may require Borrower to pay a on-time charge for an independent real
estate tax repacting service used by Leader in connection with this loan, unless applicable law provides otherwise. Unless an
agreement b made or applicable law requires interest to be paid, Lender shall not be required to pay Borrower any interest
or earnings on the Funds. Borrower and Leader may agree in writing, however, that interest shall be paid an the Funds.
!.ender shall give to Borrower. without charge, an amoral aetxmmrig of the Funds, showing credits and debits to due Funds
and the purpose for which each debit to the Plaids was made. The Funds are pledged as additional security fir all am
secured by this Security Instrument.
If the F1nda held by Leader exceed the amounts permitted to be held by applicable law, Leader . shall account to
Borrower for the excen Funds in accordance with the requirements of applicable law. U the amount of the Fund: held by
Leader at any time is not sufficient to pay the Escrow ]sets when due, Leader may so notify Borrower in writing, and, in
such case Borrower shall pay to Leader the amount necessary to make up the deficiency.- Borrower shall make up the
deficiency in no more than twelve monthly payments, at I.ender'a sole discretion.
Upon payment in full of all sums segued by this Security Instrument, Lender shall promptly refund to Borrower any
Funds held by Lender. ff trader paragraph 21,1 cads ahafi acquire or sell the Property, Leader, prior to the acquisition or
sale of the Property, shall apply my Fends held by Lender at the time of acquisition or sale as a credit against the scum
secured by this Security intttument_
3. Application of Paymumfs. Unkaa applicable law provides otherwise, all payments received by Lender under
paragraphs 1 and 2 shall be applied: first, to any prepsysmat char es due flhe~Nooe; second. to amuwnta payable under
- - _ pal>71;' . n psil3ue; sate c?rgee due tinder the Note.
4. Charges, lLima. Borrower shall pry all taxes, aaatancnts, charges, fines and impositions attributable to the
Property which may attain priority over chi{ Security Instrument. and leasehold payments or ground ream, if any. Borrower
shall pay these obligations in the manner provided in paragraph 2. or if not paid in that mom. Borrower shall pay them on
time directly to the person owed payment. Borrower shall promptly furnish to leader all notices of amounts to be paid
[reader this paragraph. If Borrower maluea then payments directly, Borrower shall promptly furnish to Lender receipts
evidencing the payments.
Borrower shall promptly discharge any Hen which has priority over this Security Instrument unless Borrower: (a) agrees
in writing to the payment of the obligation secured by the lien in a manner acceptable to !.ender, (b) contests in good Will
the lien by, or defends against enforxment of the lien in, legal proceedings which in the Lender's opinion operate to
prevent the enforcement of the Hea; or (c) segues from die holder of the Ben an agreement satisfactory to Lender
subordinating the Ben to this Security lastrumeaL If Lister determines that any part of the Property is s*ca to a Ben
which may attain priority over this Security instrument. Dada may give Borrower a notice idendWng the lien. Borrower
shall satisfy the lien or take one or am of the actions act forth above within 10 days of the giving of notice. -
5. Hazard or Property Insurance. Burrower sl aIl keep the improvements now existing or hereafter erected on the
Property insured against loss by fire, hazards included within the. term 'extended coverage' and any other hazards, including
floods or flooding, for which Leader requires Insurance. I'm insurance shall be mainlined in the amounts and
REM 195OLZ (9211) Dootd ONNO0944 Form 3079 9190 mane 2 of 6pnar)
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for the periods that Lender requires. 7Ix insurance carrier providing the insurance shall be chosen by Borrower subject to
Lender's approval which sW not be unreasonably withheld. If Borrower W3 to maintain coverage described above,
lender may, at Leader's option, obtain coverage to protect Lender's rights in The Property In accordance with paragraph 7.
AU insurance poUdes and renewals shall be accepnble'to Lender and shall include a standard mortgage clause. Lender
receipu
shall have die rigbi to bold the policies and renewals. Lf lender requires, Borrower doll promptly give to Leader all
of paid preen nos and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance carrier and
Lender. Lender may maim proof of loss if not made promptly by Borrower.
Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of
the Property damaged, it the restoration or repair is economically feasible and Lender's security is not lessened. U the
restoration or repair is not economically feasible or Lender's security would be ksaened, the insurance proceeds shall be
applied to the sums secured by this Security Instrument, whether or rat then due, with any excess paid to Borrower. If
Borrower abandon the Property, or does not answer within 30 days a notice from lender that the fnsurance carrier has
offered to teak a claim, then Leader may collect the insurance proceeds. Lender may use the proceeds to repair or restore
the Property or to pay sums secured by this Security histrument, whether or not then due. 7be 30-day period will begin
when the notice is given.
Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shaU not extend or
postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of the payments. If
under paragraph 21 the Property is acquired by Lender. Borrower's right to any insurance policies and proceeds resulting
from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums seamed by this Security
Instrument immediately prior to the acquisition.
6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan AppBeation;
Leaseholds. Borrower shall occupy, estabdsb, and use the Property as Borrower's principal residence within sixty days
after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence
for at least am year alter the date of occupancy, unless Lender otherwise agrees in writing, which consent shaU not be
unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall Dot
destroy, damage at impair die Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shag
be in default if any forfeiture action or proceeding, whether civil or criminal, is began that in Lender's good faith judgment
cmM result in forfeiture of the Property or otherwise materially impair the lien created by this Searky Lustn>ment or
Lender security ItUat..Borrower may cure inch a defaut and reinstate , as provided in paragraph 18, by causing the action
or proceeding, to 'be dismWed with a ruHag that, in Leader's good faith determination, precludes forfdttm of the
Borrower's Interest in the Property or other material impairment of the Hen created by this Security Instrument or Leader's
security interest. Borrower Shan also be in defisilt if Borrower, during the loan application process. gave materially Use or
inaaxuate information or statements to Ieoder (or failed to provide Lender with any material information) in connection
with the loan evidenced by the Note, including, but not limited to, mpresematiom concerning Borrower's occupamey of the
Property as a principal residem. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions
of the lease. _ If Borrower acquire fee tide to the Property. the leasehold and the fee tide shall not merge unless Lender
agrees to the merger In writing.
7. Protection of Leader's Rights in the Property. If Borrower tails to perform the Covemaats and agreements
contained in this Seeurhy Instrument, or there is a legal proceeding that may significaudy affect Leader's rights in the
Property (such as a peromeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulationt),
then Leader may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the
Property. I Is action may include paying any ram sewed by a rum which bas priority over ibis Security Instrument,
appearing in court, paying reasonable attorneys' bees and catching on die Property to malm repairs. Although Linder may
tale action under this paragraph 7, Lades does not but to do so.
Any amounts disbursed by Linder under this paragraph 7 shall become additional debt of Borrower seared by this
Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts sbaU bear interest from
the date of disbursement at the Note rate and shall be payable, with i>ticrcat, :DOa-mils-Emus _Leader w-8orrev!sr-- -
g. Mortgage Inerramx. If Lender required mortgage insurance as a condition of malting the ban scmvtd by this
Security Instrument, Borrower shall pay the premiums rewired to maintain the mortgage insurance in effect. If, for any
reason, the mortgage insurance coverage required by leader lapses or ceases to be In effect, Borrower shall pay the
premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effect, at a coat
substandaW equivalent to the coat to Borrower of the mortgage insurance previously in-effect, from an alternate mortgage
insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to
Lender inch month a arum equal to one-twelfth of the yearly mortgage insurance premium being paid by Borrower when the
insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in
lieu of mortgage insurance. Lass reserve payments may no longer be required, at the option of Lender, if mortgage
iosntatre coverage Cm the amount and for the period that Lender requires) provided by an Insurer approved by Lender
again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage insurance in
effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in accordance with any written
agrees= between Borrower and Leader or applicable law.
9. Inspextlm. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall
give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection.
10. Condemnation. 7be proceeds of any award or claim for damages, direct or consequential, in connection with
tr¢te tarots (W211) Dodd 0000000944
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.thy condemnation or other taking of any part of the Property, or for conveys= in lieu of condemnation, are hereby
assigned and shin be paid to Lender.
In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security
InsuTunew, whether or not then due, with any excess paid to Borrower. In the even of a partial taking of the Property in
which the fair marltzt vahre of the Property immediately before the taking is equal to or greater than the amotmt of the soma
segued by this Security Instrument immediately before the taking, unless Borrower and l ender otherwise agree in writing,
the sums second by this Security Instrument shall be reduced by the amount of the proceeds motriplied by the following
6action: (a) the total amount of the sums segued immediately before the taking, divided by (b) the fair market value of the
property immediately before the taking. Any balance :hall be paid to Borrower. In the event of a partial taking of the
Property in which the fair market value of the Property immediately before the taking is less than the amount of dne.suhms
segued immediately before tie taking. unless Borrower and Lender otherwise agree in writing or unless applicable law
otherwise provides, the proceeds shall be applied to the sums seared by this Secui* Instnhmeat whether or not the sums
are tines due.
If the Property h abandoned by Borrower, or if, after notice by Lender to Borrower that the condemnor offers to make
an award or settle a claim for damages, Borrower fails to respond to I ender within 30 days after the date the notice is given,
LendeT h authorized to collect and apply the proceeds, at its option, either to iestoration or repair of the Property or to the
sums seemed by this Secrity Inanumeot, whether or not then due.
Unless Leader and Borrower otherwise agree in writing, any application of proceeds to prmcipai shall not extend or
postpone the due date of the mouthy payments referred to in paragraphs 1 and 2 or change the amount of arch payments.
U. Borrower Not Released; Forbearsum By Lender Not a Waiver. Extension of the time for payment or
modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest
of Borrower shall not operate to release the liability of the original Borrower or Borrower's succesaon -in interest. Lender
shall not be required to commence proceedings against any successor in interest or refuse to extend dine for payment or
otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the
original Borrower or Borrower's succcuon in interest. Any forbearance by Lender in exercising any right or remedy shall
not be a waiver of or preclude the exercise of any right or remedy.
12. Suecessn and Assigns -Bound; Joint and Several Liability; Co-signers. The covenants and agreements of this
Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of
paragraph 17. Borrower's covenants and agreements shall be joint and reveal. Any Borrower who co-signs this Security
losttiIDent but does not exeen the.Note: (a) is co-signing this Security Instrument only to mortgage, grant and convey that
Borrower's interest in the Property wider the terms of this Security hnshuhmcnt; (b) is not personalty obligated to lay the
sums secured by this Security lnsnument; and (c) agrees that leader and any other Borrower may agree to extend, modify,
forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that
Borrower's consent.
13. Loaa Charges. If the loan secured by this Security Instrument is subject to a law which sets ma;dnahm ban
charges, and dot law is finally interpreted so that the interest or other loan charges collated or to be collected in connection
with the lean exceed the permitted limits, then (a) any such ban charge shall be reduced by the amount necessary to reduce
the charge to the permitted limit, and (b) any sums .heady collected from Borrower which exceeded permitted limits will be
refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making
a direct payment to Borrower. If a refund redoces principal, the reduction will be treated n a partial prepayment without any
prepayment charge ender the Note.
14. Notices. Any notice to Borrower provided for in Ibis Security Instrument mall be given by delivering it or by
mailing it by first class mail unless applicable law requires use of anotba method. The notice shall be directed to the
Property Address or any other address Borrower designates by notice to Leader. Any notice to Lender shall be given by
first class mall to Leodet'a address stated herein or any other address Lender designates by notice to Borrower. Any notice
provided for in this Security Instrument than be deemed to have been given to Borrower or Leader when given as provided
in this pangraph. ---
_-_ _- I5'ern?gesa'bij." 'may rnetiu»eat align be governed by federal law and the law of the
jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or thhe Note
conflicts with applicable law, such conflict shall not affect other provisions of this Security histttuneot or the Note which
can be given effect without the conflicting provialon. To this end the provisions of this Security Instrument and the Note ante
declared to be severable.
16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument.
17. Tian der of the Property or a Beneficial Interest In Borrower. If all or any part of the Property or any interest
in it is sold or transferred (or if a beakficial west in Borrower is sold or transfenned and Borrower is not a natural person)
without Lender's prior written consent, Lender may, at its option, require immediate payment in fun of all sums secured by
this Security Instrument. However. this option shall not be exercised by Lander if exercise is prohibited by federal law as of
the date of this Security Instrument.
If Lander exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of
not less than 30 days from the date the notice Is delivered or :nailed within which Borrower most pay all sums seemed by
this Security Instrument If Borrower fails to pay these suns prior to the expiration of this period, Lender may invoke any
remedies permitted by this Security Instrument without (oilier Douce or demand on Borrower.
18. Bor'rower's Right to Reinstate. If Borrower meets certain condidow, Borrower shall have the right to have
enforcement of this Security Insbument discontinued at any time prior to the earlier of. (a) 5 days (or such other period as
ITEM 19501.4 402111 DOOM 0000900944 Fw= 3939 PM Omlr 4 of 6 poles)
' anq 4199 9w31p3 iw99.lm ?
T.O.iIC9a 1.14164354393 0VAX 619.73141,1
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applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this
Security Instrument; or (b) entry of a judgment oufmcing this Security lutstrument Those conditions are that Borrower: (a)
pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had
occurred; (b) cures any defnth of any other covenants or agreements; (c) pays all expenses Incurred in enforcing this
Security Irutr)mew, including. but not limited to, reasonable attorneys' fees; and (d) takes such action as lender may
reasonably require to assure tbat the lie) of this Security Instrument, Leader's rights in rho Property and Borrower's
obligation to pay the slant secured by this Sec)aity.Imtrument shall continue unchanged. Upon reinstatement by Borrower,
this Security instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred.
However, this right to reinstate shall not apply in the case of acceleration under paragraph 17.
19. Sale of Note; Change of Loma Servicer. The Note or a partial interest in the Note (together with this Security
Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity
(kwwn as the "Loan Servker') that collects monthly payments due under die Note and this Security Instrument_ There also
may be one or more changes of the Loan Serricer unrelated to a sale of the Note. If there is a change of the Loan Servicer,
Borrower will be given written notice of the change in accordance with paragraph 14 above and applicable law. The notice
will state the name and address of the new Loan Service, and the address to which payments should be made The notice
will also contain any other information required by applicable law.
20.132sardona Substances. Borrower shall not cause or permit the presence, use. disposal, storage, or release of any
Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anytbing affecting the
Property that is in violation of any Environmental Law. The preceding two sentcocea shall not apply to the presence, use, or
storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to
normal reaidential user and to maintenance of the Property.
Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action by any
governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Fuvimnmcwal
Law of which Borrower has actual knowledge. If Borrower teams, or is notified by any governmental or regulatory
authority, that any removal or oil= remediation of any Hazardow Substance affecting the Property is necessary, Borrower
shall promptly take: all necessary remedial actions in accordance with Environmental Law.
As used in this paragraph 20, 'Hazardous Substances' are time substances defined as toxic or hazardous substances by
Favironmewal law and the following subsume es: gasoline. kerosene, other flammable or toxic petroleum products, toxic
pesticides and herbicides, volatile solvents, materiels containing asbestos or formaldehyde, and radioactive materials. As
used in this paragraph 20, 'Environmental Law' means federal laws and laws of the jurisdiction where the Property is
located that relate to health, safety or environmental protection.
NON-UNIFORM COVENANTS. Borrower and Leader futber covenant and agree as follows:
21. Aaxleration; Remedies. Leader shall give notice to Borrower prior to acceleration following Borrower's
breach of any eovesuust or agreement In this Security Instrument (but not prior to acceleration under paragraph 17
unless applicable law provides otherwise). Lender shall notify Borrower of, among other things: (a) the default; (b)
the action required to cure the default; (c) when the default must be cured; and (d) that fail= to ewe the default as
specified may result In acceleration of the sums secured by this Security Inshnnoent, foreclogtn'e by Judicial
proceeding and side of the Property. Leander shall farther. Inform Borrower of the right to reirestate•after acceleration
and the right to assert In the foreclosure proceeding the noo-adstenee of a default or any other defense of Borrower
to aeeekraden and foreclosure. If the default b not cured as spe cifled, Lewder at its option may require Immediate
payment in full of am sums secured by thb Security Instrument without feather demand and may foreclose this
Security Itstranod by Judicial proceeding. Lendder'shall be entitled to collect all expenses Incurred In pursuing the
renedia provided in ids paragraph 21, including, but not Buoited 1% attorneys' fees and costa of title evidence to the
extent permitted by applicable law.
22. Release. Upon payment of all sums soared by this Security Instrument, ibis Security Instrument and the estate
conveyed shall terminate and become void. After such occurrence, lender shall discharge and satisfy this Security
Instrument without charge to Borrower. Borrower doll Any recorda49n costs....:.. - _. -. - - - - - - - - .
-' 3= VftWffi-. Bo7rovveT; ibe a ?t -- bin 1iw. waives and releases any error or defects in
promedings to enforce this Security Instrument, and hereby waiver the benefit of any present or future laws providing for
stay of execution, extension of time, exemption from attachment, levy and sale, and homestead exemption.
24. Reinstatement Period. Borrower's date to reinstate provided in paragraph 18 shall extend to one hoer prior to
the commencement of bidding at a aberiff's sale or other ask pursuant to this Security Instrument.
25. Pmxhase Matey Mortgage. if any of the debt secured by this Security Instrument is lent to Borrower to
acquire title to the Property, this Security Instrument shall be a purchase money mortgage.
26. Interest Rate After Judgment. Harrower agrees that the interest rate payable after a judgment is entered out
the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note.
ITEM 195OLS (9211) Dodd 11000000/4 Forgo 303f 91" JwZc 3 g f 6 pare)
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ACCT! 160062997
27. Riders to this Security Instrument. If one or more, riders are executed by Borrower and recorded together with
this Security Instrument, the covenants and agreements of each such rider shall be incorporated into and shall amend and
supplement the covenants and agreements of this Security instrument as if the rider(s) were a part of this Security
Instrument. [Check applicable box(es))
R Adjustable Rate Rider F1 Condomininm Rider a 14 Family Rider
F1 Graduated Payment Rider ? Planned Unit Development Rider Biweekly Payment Rider
F1 Balloon Rider Rate Improvement Rider ? Second Home Rider
XX Other(s) [specify] RIDER TO PARAGRAPH 18 AND ADDENDUM
BY SIGNING BELOW, Borrower a agrees to the rums and covenants contained in pages I through 6 of this
Security Instrument and in any rider(j1 e dTyy Borrower and recorded with it.
Witnesses:
- (Seal) (Seal)
-Borrower Borrower
- (Seal) (Seal)
-Borrower -Borrower
COMMONWEALTH OF PENNSYLVANIA, CUMBERLAND County as:
On this, It day.of before rue. `n
the undersigned officer, personally appeared PAUL A MATTUS
I
]mown to me (or satisfactorily
proven) to be the person wbou name 1 S subscribed to the withininatrnmem app kedged
that he executed the same for the ptupose herein contained. t K,
IN WITNESS WHEREOF, I hereunto set my hand and official seal. ' ? r1 • r%i :?4
My.Commiasioa ex _.. _ . _ ...... _. _ .._ .----
_ --•- ---..._._._ NOTARUILSE-AL
-
t 11W to
my °a F It -
CERTIFICATE OF RESIDENCE I,
do hereby certify that the correct address of the within named lender is 101 South George Street, PO Box
15068, York, PA 17405-7068
Witness my band this day of
of
4J
ITEM 10SOla 19211) Deeld 0000000044 Form 3039 9190 Qwae 6 016pa`q)
sooK1315 PAGE 607 Uk. awl?.?FWM Im ¦
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ACCTO 1600699()7
I
EXHIBIT •A" TO MORTGAGE OF
PAUL A. MATTUS TO
YORK FEDERAL SAVINGS AND LOAN ASSOCIATION
DATED APRIL 16, 1996
ALL THAT CERTAIN piece or parcel of land, situate in the Township
of "Hampden, County of Cumberland, Commonwealth of Pennsylvania more
particularly bounded and described as follows to wit:
BEGINNING at a point on the Western line of partridge court at the
dividing line between Lots 7 and*8 as shown on the hereinafter
mentioned plan of lots; thence along the line of Partridge Court
the following 6 courses and distances (1) by a curve to the left
having a radius of 80.0 feet an arc distance of 80.98 feet (2) -S.
79° 54' 34" E. 15.00 feet (3) by a curve to the right having a
radius of 15.0 feet an arc distance of 23.56 feet (4) S. 10° 05' 2"
W. 20.00 feet (5) by a curve to the right having a radius of 393.0
feet an-arc distance of 99.53 feet (6) S. 24° 35' 26" W. 30.41 feet
to a point at the North Eastern line of a Pedestrian/Bikeway;
thence along the line of said Pedestrian/Bikeway N. 35° 341 00" W.
a distance of 195.47 feet to a point at the dividing line between
Lots 7 and 8; thence along the dividing line between Lots 7 and 8
N. 54° 26' 00" E. a distance of 89.25 feet to a point on the
Western line of Partridge Court, said point being the place of
BEGINNING.
BEING all of Lot 8 as shown on the final subdivision plan of Sleepy
Hollow P.R.D. Phase 1, recorded in Plan Book 55, Page 44.
CONTAINING 0.3831 acres. f
THEREON erected a 2 story brick and vinyl sided dwelling known as
514 Partridge Court, Mechanicsburg, PA 17055.
BEING the same premises which Sealover Construction Co., Inc., by
deed dated April • /6 , 1996 and intended to be recorded
immediately previous to this Mortgage in the Office of the
....__ !umbexland-.Caunty-Recorder.-o-f-Deed83:?grent-ed-and=conv-eyPA:untOF
A. Mattus, the mortgagor and borrower herein.
UNDER AND SUBJECT to the Declaration of Covenants and Restrictions
for Sleepy Hollow, which covenants and restrictions are dated
February 16, 1990, and recorded February 21, 1990 in the Cumberland
County Recorder of Deeds Office in Misc. Book 376, Page 567.
BOOK 1315 PAGE 608
C
Rider to Paragraph 18
I/We, the undersigned Borrower(s), do'hereby agree that the following Rider to Paragraph 18
of the Mortgage/Deed of Trust, executed by tae/us this 16th day of April. 1996 shall
be effective in accord with the terms and conditions thereof and shall be deemed to be a
condition of the Mortgage/Deed of Trust.
The term "reasonable attorney's fees", as set forth in Paragraph 18 hereof, shall be deemed
to mean five percent (5 %) of the principal due at the time of foreclosure or $300.00, whichever
is greater. This provision shall be void in the event this Mortgage/Deed of Trust is transferred
to the Federal Home Loan Mortgage Corporation ("Freddie Mac"), or the Federal National
Mortgage Association ("Fannie Mae"), or any other entity utilizing Freddie Mac or Fannie
Mae standards and guidelines as a condition of assignment or transfer.
Y° (SEAL)
pooK131L?if: 609
f
PLUESE, BECKER & SALTZMAN, LLC
Attorneys at Law
ROB SALTZMAN •
RS elt tan angaks -49w. OEM
SANFORD L BECKER
cc cr a Db"slaw
ROBERT T. PLUESE
RPluesena pbsle?v.ort;
ROBERT F. THOMAS •
Rnomas(&bslaw.ort;
20000 HORIZON WAY
SUITE 900
MT. LAUREL, NEW JERSEY 08054-4318
(856) 813-1700
FACSIMILE: (856) 813-1720
PENNSYLVANIA OFFICE:
425 COMMERCE DRIVE, SUITE 100
FORT WASHINGTON, PA. 19034
(215) 546-3205
Please reply to:
Mt. Laurel, New Jersey
February 5, 2008
ACT 91 NOTICE
OF COUNSEL:
Katz, Ettin & Lcvine, P.C.
The Law Officcs of Barbara A. F. cin, P,.C:!.. .
• PA and N1 Bars
Our File #81104
TAKE ACTION TO SAVE
YOUR HOME FROM
F ORECLOSURE
This is an official notice that the mortgage on your home is in default, and the lender
intends to foreclose Specific information about the nature of the default is provided in the
attached pages.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to
help to save your home This Notice explains bow the program works.
To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT
COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take
this Notice with you when you meet with the Counseling Agency.
(fy'v?'b'a r
The name, address and phone number of Consumer Credit Counseling Agencies serving
your County are listed at the end of this Notice. If you have any questions, you may call the
Pennsylvania Housing Finance Agency toll free at 1-800-342-2397.(Persons with impaired
hearing can call (717) 780-1869).
This Notice contains important legal information. If you have any questions, representatives
at the Consumer Credit Counseling Agency may be able to help explain it. You may also
want to contact. an__attorney_in your area,_The local. far a?ociatiop__ay_be abbe to.hel.p.youu .
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 PARR UN PRESTAMO POR EL PROGRAMA LLAMADO
"HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL
PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU
HIPOTECA.
HOMEOWNER'S NAME(S): Paul A. Mattus and Pamela S. Mattus
PROPERTY ADDRESS: 514 Partridge Court, Mechanicsburg, PA 17055
LOAN ACCT. NO.: 0356120928
ORIGINAL LENDER: Sovereign Bank
CURRENT LENDER/SERVICER: Sovereign Bank
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR
HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE
PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE
FOR EMERGENCY MORTGAGE ASSISTANCE:
IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND
YOUR CONTROL,
l -'
IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR
MORTGAGE PAYMENTS, AND
IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY
THE PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary
stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that
time you must arran ge and attend a face-to-face meeting with one o fhe consumer credit
counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR
WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY
MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE
PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT"
EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer
credit counseling agency listed at the end of this notice, the lender may NOT take action against
you for thirty. (30) days after the date of this meeting. The names. addresses and telephone
numbers of designated consumer credit counseling agencies for the county in which the roperty
is located are set forth at the end of this Notice. It is. only necessary to schedule one face-to-face
meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the
reasons set forth later in this Notice (see following pages for specific information about the nature
of your default.) If you have tried and are unable to resolve this problem with the lender, you have
the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance
Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency
Assistance Program Application with one of the designated consumer credit counseling agencies
listed at the end of this Notice. Only consumer credit counseling agencies have applications for
the program and they will assist you in submitting a complete application to the Pennsylvania
Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days
of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF
YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS
LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY
AND-YOUR-APPLICATION FOR MORTGAGE- ASSISTANCE- WILZ BE-DENTEIT - -
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 filed bankruptcy you can still apply for Emergency Mortgage
Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date).
NATURE OF THE DEFAULT --The MORTGAGE debt held by the above lender on your
property located at 514 Partridge Court, Mechanicsburg, PA 17050:
IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS of $2,172.94 since the June
2007 payment (next payment due is July 1, 2007), to the present and the following amounts are
now past due: $17,383.52
Late Charges: $765.00
TOTAL AMOUNT PAST DUE: $20,321.46
B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable):
HOW TO CURE THE DEFAULT --You may cure the default within THIRTY (30) DAYS of
the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER,
WHICH IS $20,321.46, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES
WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made
either by cash, cashier's check, certified check or money order made payable and sent to:
Name of Lender: Sovereign Bank
Address: 601 Penn Street, Reading, PA 19601
You can cure any other default by taking the following action within THIRTY (30) DAYS of the
date of this letter: (Do not use if not applicable.)
YOU DO NOT CURE THE DEFAULT--If you do not cure the default within THIRTY (30)
DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the
mortgage debt. This means that the entire outstanding balance of this debt will be considered due
immediately and you may lose the chance to pay the mortgage in monthly installments. If full
payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also
intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property.
IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by
the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure
the delinquency before the lender 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 attorney's fees actually
incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount
you owe the lender, which may also include other reasonable costs. If you cure the default
within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. .
OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid
principal balance and all other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured
the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you
still have the right to cure the default and prevent the sale at any time up to one hour before the
Sheriffs Sale You may do so by pUing 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
forth, in. this notice will restore your mortgage to the some position as if you had never
defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that
such a Sheriffs Sale of the mortgaged property could be held would be approximately 6 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: Sovereign Bank
Address: 601 Penn Street, Reading, PA 19601
Phone Number: 800-753-7366
Contact Person: Mortgage Collections Dept.
EFFECT OF SHERIFF'S SALE -- You should realize that a Sheriffs Sale will end your
ownership of the mortgaged property and your right to occupy it. If you continue to live in the
property after the Sheriffs 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 (CHECK ONE) sell or
transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all
the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and
that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAIN M-0-NEY O AID FF THE
MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING
INSTITUTION TO PAY OFF THIS DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR
BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO
DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO
NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES
IN ANY CALENDAR YEAR.)
TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE
PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE
DOCUMENTS,
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH
ACTION BY THE LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY
ARE ATTACHED.
HEMAP Consumer Credit Counseling Agencies
Report last updated: 711212006 12:02:02 PM
ADAMS County
Adams County Interfaith Housing Authority
40 E High Street
Gettysburg, PA 17325
717.334.1518
American Red Cross . Hanover Chapter
529 Carlisle Street
Hanover, PA 17331
717:637-3768- " -
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
Maranatha
43 Philadelphia Avenue
Waynesboro, PA 17268
717.762.3285
ALLEGHENY County
Acorn Housing of Pittsburgh
5907 Penn Avenue
Suite 300
Pittsburgh, PA 15206
412.441.7240
Action Housing, Inc
425 6th Avenue
Suite 950
Pittsburgh, PA 15219
412.281.2102
800.792.2801
CCCS of Western PA
River Park Commons
2403 Sidney Street, Suite 400
Pittsburgh, PA 15203
888.511.2227
Community Action Southwest
58 East Greene Street
Waynesburg, PA 15370
724.852.2893
Fair Housing Partnership of Greater Pittsburgh, Inc.
2840 Liberty Avenue
Suite-206 - -
Pittsburgh, PA 15222
412.391.2535
Garfield Jubilee Associates
5138 Penn Avenue
Pittsburgh, PA 15224
412.665.5200
I
Mon Valley Unemployment Committee
1800 West Street
3rd Floor
Homestead, PA 15120
412.462.9962
Nazareth Housing Services
285 Bellevue Road
Pittsburgh, PA 15229
412.931.3510 _ -.. _.. _
Neighborhood Housing Services, Inc.
355 Fifth Avenue
Pittsburgh, PA 15222
412.281.9773
Pennsylvania Housing Finance Agency
2275 Swallow Hill Road
Bldg 200
Pittsburgh, PA 15220
412.429.2842
Urban League Of Pittsburgh
Bldg. For Equal Opportunity
One Smithfield St.
Pittsburgh, PA 15222
412.227.4802
ARMSTRONG County
Armstrong County Community Action Agency
124 Armsdale Road
Suite 211
Kittanning, PA 16201
724.548.3405
CCCS of Western PA
Royal Remax Plaza
917 A Logan Boulevard
Altoona, PA 16602
888.511.2227
Indiana Co. Community Action Program
827 Water Street
Box 187
Indiana, PA 15701
724.465.2657
BEAVER County
- - - - --AEVUr Hous1ng,lnc-
425 6th Avenue
Suite 950
Pittsburgh, PA 15219
412.281.2102
800.792.2801
CCCS of Western PA
971 Third Street
Beaver, PA 15009
888.511.2227
Page 1 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/1212006 12:02:03 PM
Housing Opportunities of Beaver County CCCS of Lehigh Valley
650 Corporation Street 3671 Crescent Court East
Suite 207 Whitehall, PA 18052
Beaver, PA 15009 610.821.4011
724328.7511 800.837.9815
BEDFORD County Community Action Committee
of the Lehigh Valley
CCCS of Western PA 1337 East Fifth Street
Royal Remax Plaza Bethlehem, PA 18015
'917'ti L-ogart BoUlevard 610.691.5620
ABoona, PA 16602
888 511 2227 Neighborhood Housing Services of Reading
213 N 5th Street
Center for Community Services Suite 1030
10241 Lincoln Highway Reading, PA 19601
Everett. PA 15537 610.372.8433
814.623.9129
Huntingdon County Housing Services
Weatherization Inc.
917 Mifflin Street
Huntingdon, PA 16652
814.643.2343
877.984.7462
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814.535.6556
Schuylkill Community Action
225 N. Centre Street
Pottsville, PA 17901
570.622.1995
BLAIR County
Blair County Community Action Agency
2100 6th Avenue
Suite 102
PO Box 1833
Altoona, PA 16602
814.946.3651
Tableland Services Inc.
535 East Main Street
Somerset. PA 15501
814.445.9628
800.452.0148
BERKS County
American Credit Counseling Institute
300 North Pottstown Pike
Suite 210
Exton, PA 19341
888.212.6741
American Credit Counseling Institute
937 North Hanover Street
Pottstown, PA 19460
888.212.6741
- American-Ftnancial-Counseling-Services - -
906 Penn Avenue
Wyomissing, PA 19610
610.780.0680
800.490.3039
Budget Counseling Center
247 North Fifth Street
Reading, PA 19601
610.375.7866
CCCS of Northeastern PA
202 W. Hamilton Avenue
State College, PA 16801
814.238.3668
800.922.9537
CCCS of Western PA
Royal Remax Plaza
917 A Logan Boulevard
Altoona, PA 16602
888.511.2227
Center for Community Services
10241 Lincoln Highway
Everett, PA 15537
814.623.9129
Huntingdon County Housing Services
1Weatfieriz656-h W. - - -
917 Mifflin Street
Huntingdon, PA 16652
814.643.2343
877.984.7462
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814.535.6556
Page 2 of 18
HEMAP Consumer Credit Counseling Agencies
[ Report last updated: 711212006 12:02:03 PM I
BRADFORD County American Financial Counseling Services
175 Strafford Avenue, Suite One
CCCS of Northeastern PA Wayne, PA 19087
411 Main Street 267.228.7903
Suite 104 800.490.3039
Stroudsburg, PA 18360
570.420.8980 Bucks County Housing Group
800,922.9537 200 West Bridge Street
CCCS of Northeastern PA
-401-LaurarStmf`._.
Pittston, PA 18640
570.602.2227
800.922.9537
The Trehab Center of Northeastern PA
The Enterprise Center
703 S. Elmer Avenue Suite M.6
Sayre, PA 18840
570.888.0412
800.982.4045
The Trehab Center of Northeastern PA
1225 Main Street
Honesdale, PA 18431
570.253.8941
800.982.4045
BUCKS County
Acorn Housing Corporation
846 North Broad Street
Philadelphia, PA 19130
215.765.1221
American Credit Counseling Institute
300 North Pottstown Pike
Suite 210
Exton, PA 19341
888.212.6741
American Credit Counseling Institute
937 North Hanover Street
Pottstown, PA 19460
888.212.6741
American Credit Counseling Institute
530 West Street Road
Suite 201
Warminster, PA 18974
215.444.9429
888.212.6741
American Credit Counseling Institute
845 Coates Street
Coatesville, PA 19320
888.212.6741
Morrisville, PA 19067
866.866.0280 Bucks County Housing Group
515 West End Boulevard
Quakertown, PA 18951
866.866.0280
Bucks County Housing Group
349 Durham Road
Penndel, PA 19047
866.866.0280
Bucks County Housing Group
2324 Second Street Pike
Suite 17
Wrightstown, PA 18940
866.866.0280
Bucks County Housing Group
470 Old Dublin Pike
Doylestown, PA 18901
866.866.0280
CCCS of Delaware Valley
Catholic Social Services Building
7340 Jackson Street
Philadelphia, PA 19136
215.563.5665
CCCS of Delaware Valley
1230 New Rodgers Road
Suite F1
Bristol, PA 19007
215.563.5665
CCCS of Delaware Valley
1515 Market Street
Suite 1325
Philadelphia, PA 19107
215.563.5665
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610.821.4011
800.837.9815
Credit Counseling Center
832 Second Street Pike
Richboro, PA 18954
215.396.1880
Page 3 of 18
HEMAP Consumer Credit Counseling Agencies
f Report last updated: 7112/2006 12:02:03 PM
Diversified Community Services CCCS of Western PA
Dixon House 219.A College Park Plaza
1920 South 20th Street Johnstown, PA 15904
Philadelphia, PA 19145 888.511.2227
715 736.3511
FOB CDC
1201 West Olney Avenue
Phialdelphia, PA 19141
215.549.8755
Germantown Settlement
5538 Wayne Avenue
Bldg C
Philadelphia, PA 19144
215.849.3104
HACE
167 W. Allegheny Avenue
2nd FI
Philadelphia, PA 19140
215.426.8025
Northwest Counseling Service
5001 North Broad Street
Philadelphia, PA 19141
215.324.7500
Urban League of Philadelphia
1818 Markel Street
20th Floor
Philadelphia, PA 19103
215.561.6070
BUTLER County
Center for Community Services
10241 Lincoln Highway
Everett, PA 15537
814.623.9129
--
_... -... _..... _- .... __ .... .. _ - • - -- -- - ndrana Co: Commuriitq Actiori-P?og?am' _ --
827 Water Street
Box 187
Indiana, PA 15701
724.465.2657
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814.535-6556
Tableland Services Inc.
535 East Main Street
Somerset, PA 15501
814.445.9628
800.452.0148
The NORCAM Group
4200 Crawford Avenue
Suite 200
Northern Cambria, PA 15714
814.948.4444
CAMERON County
CCCS of Westen PA
The Franklin Center
524 Franklin Avenue
Aliquippa, PA 15001
888.511.2227
Action Housing, Inc
425 6th Avenue
Suite 950
Pittsburgh, PA 15219
412.281.2102
800.792.2801
CCCS of Western PA
Butler County Career Link
Pullman Commerce Center
112 Hollywood Drive
Butler, PA 16001
888.511.2227
- -CaMBRIA-County -
CCCS of Western PA
Royal Remax Plaza
917 A Logan Boulevard
Altoona, PA 16602
888.511.2227
Northern Tier Community Action Corp.
P.O. Box 389
135 West 4th Street
Emporium, PA 15834
814.486.1161
CARBON County
CCCS of Lehigh Valley
3671 Crt=st:e'ht Cburt East
Whitehall, PA 18052
610.821.4011
800.837.9815
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
Page 4 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/12/2006 12:02:03 PM
CCCS of Northeastern PA American Credit Counseling Institute
411 Main Street 845 Coates Street
Suite 104 Coatesville, PA 19320
Stroudsburg, PA 18360 888.212.6741
570.420.8980
800.922.9537 American Credit Counseling Institute
Comm. on Econ Opportunity of Luzerne County
163 Amber Lane
Wilkes.Bane, PA 18702
570.826.0510
800.822.0359
Community Action Committee
of the Lehigh Valley
1337 East Fifth Street
Bethlehem, PA 18015
610.691.5620
Schuylkill Community Action
225 N. Centre Street
Pottsville, PA 17901
570.622.1995
CENTRE County
21 South Church Street
West Chester, PA 19380
888.212.6741
American`Fiiiancral-Counseiing'SerJfces
175 Strafford Avenue, Suite One
Wayne, PA 19087
267.228.7903
800.490.3039
American Red Cross of Chester
1729 Edgemont Avenue
Chester, PA 19013
610.874.1484
APM
2147 North Sixth Street
Philadelphia, PA 19122
215.235.6788
CCCS of Northeastern PA
202 W. Hamilton Avenue
State College, PA 16801
814.238.3668
800.922.9537
CCCS of Northeastern PA
201 Basin Street
Suite 6
Williamsport, PA 17701
570.323.6627
800.922.9537
CCCS of Western PA
Royal Remax Plaza
917 A Logan Boulevard
Altoona, PA 16602
888.511.2227
Lycom.Cintn Co Comm fo Comm Action
2138 Lincoln Street
P.O. Box 3568
Williamsport, PA 17703
570.326_0587-
CHESTER County
Acorn Housing Corporation
846 North Broad Street
Philadelphia, PA 19130
215,765.1221
Budget Counseling Center
247 North Fifth Street
Reading, PA 19601
610.375.7866
Carroll Park Community Council, Inc.
5218 Master Street
Philadelphia, PA 19131
215.877.1157
CCCS of Delaware Valley
790 E. Market SL.
Suite 170, Marshall Building
West Chester, PA 19382
215.563.5665
Chester Community Improvement Project
412 Avenue of the States
PO Box 541
Chester, PA 19016
610.876.8663
Diversified Community Services
Dixon House
- -1920 South 20th Street
Philadelphia, PA 19145
215.336.3511
FOB CDC
1201 West Olney Avenue
Phialdelphia, PA 19141
215.549.8755
Page 5 01 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/1212006 12:02:03 PM
Germantown Settlement CLEARFIELD County
5538 Wayne Avenue
CCCS of Northeastern PA
Bldg C 202 W. Hamilton Avenue
Philadelphia, PA 19144
State College, PA 16801
215.849.3104 814.238.3668
RACE 000.922.9537
167 W. Allegheny Avenue
CCCS of Western PA
2nd FI
Philadelphia, PA 19140 Royal Remax Plaza
- "
?17 A Cogan Boulevard
215.426.8025
ARoona, PA 16602
Housing Partnership of Chester County 888.511.2227
41 West Lancaster Ave
Downingtown, PA 19335 CCCS of Western PA
610.518.1522 219.A College Park Plaza
Johnstown, PA 15904
Media Fellowship House 888.511.2227
302 South Jackson Street
Media, PA 19063 Indiana Co. Community Action Program
610.565.0434 827 Water Street
Box 187
Northwest Counseling Service Indiana, PA 15701
5001 North Broad Street 724.465.2657
Philadelphia, PA 19141
215.324.7500 Keystone Economic Development Corp.
1954 Mary Grace Lane
Phila Council For Community Advmnt Johnstown, PA 15901
100 North 17th Street 814.535.6556
Suite 600
Philadelphia, PA 19103 The NORCAM Group
215.567.7803 4200 Crawford Avenue
800.930.4663 Suite 200
Northern Cambria, PA 15714
Tabor Community Services, Inc. 814.948.4444
308 E King Street
Suite 1 CLINTON County
Lancaster, PA 17602 CCCS of Northeastern PA
717.397.5182 202 W. Hamilton Avenue
800.788.5062 Stale College, PA 16801
Urban League of Philadelphia 814.238.3668
1818 Market Street 800.922.9537
20th Floor CCCS of Northeastern PA
Philadelphia, PA 19103 201 Basin Street
215.561.6070 Suite 6
CLARION County Williamsport, PA 17701
570.323.6627
CCCS of Western PA 800.922.9537
- Butle? County Caieei link - - --- - .
Pullman Commerce Center Lycom.Clntn Co Comm to Comm Action
112 Hollywood Drive 2138 Lincoln Street
Butler, PA 16001 P.O. Box 3568
888.511.2227 Williamsport, PA 17703
570.326.0587
Page 6 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 711212006 12:02:03 PM
COLUMBIA County Loveship, Inc.
2320 North 5th Street
CCCS of Northeastern PA Harrisburg, PA 17110
401 Laurel Street 717.232.2207
Pittston, PA 18640
570.602.2227 Maranatha
800.922.9537 43 Philadelphia Avenue
Waynesboro, PA 17268
CRAWFORD County 717.762.3285
-Booker-TI-Washington Center '-" .. . .. .... ...... ....... - --
1720 Holland Street 211 North Front Street
Erie, PA 16503 Harrisburg, PA 17110
814.453.5744 717.780.3940
800.342.2397
CCCS of Western PA
4402 Peach Street
Erie, PA 16509
888.511.2227 ext
108
Center for Family Services, Inc.
213 Center Street
Meadville, PA 16335
814.337.8450
Greater Erie Community Action Committee
18 West 9TH Street
Erie, PA 16501
814.459.4581
Shenango Valley Urban League, Inc.
601 Indiana Avenue
Farrell, PA 16121
724.981.5310
St. Martin Center
1701 Parade Street
Erie, PA 16503
814.452.6113
CUMBERLAND County
Acorn Housing
14 S. 13th Street
Harrisburg, PA 17104
717.213.0150
Adams County Interfaith Housing Authority
40 E High Street
Gettysburg, PA 17325
.
717.334.1518 ' _ .. _ .- .. . _
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
Community Action Commission of Captlal Region
1514 Derry Street
Harrisburg, PA 17104
717.232.9757
DAUPHIN County
Acorn Housing
14 S. 13th Street
Harrisburg, PA 17104
717.213.0150
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
Community Action Commission of Capital Region
1514 Deny Street
Harrisburg, PA 17104
717.232.9757
Loveship, Inc.
2320 North 5th Street
Harrisburg, PA 17110
717.232.2207
PHFA
211 North Front Street
Harrisburg, PA 17110
717.780.3940
800.342.2397
DELAWARE County
Acorn Housing Corporation
846 North Broad Street
Philadelphia, PA 19130
215.765.1221
American Credit Counseling Institute
175 Strafford Avenue.
Suite 1
Wayne, PA 19087
610.971.2210
888.212.6741
Page 7 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7112/2006 12:02:03 PM
American Financial Counseling Services Germantown Settlement
175 Strafford Avenue, Suite One 5538 Wayne Avenue
Wayne, PA 19087 Bldg C
267.228.7903 Philadelphia, PA 19144
800.490.3039 215.849.3104
American Financial Counseling Services HACE
1 Abington Plaza, Suite 403 167 W. Allegheny Avenue
Old York Road and Township Line 2nd FI
Jenkintown, PA 19046 Philadelphia, PA 19140
267.228.7903 215.426.8025
800.490.3039
Housing Partnership of Chester County
American Red Cross of Chester 41 West Lancaster Ave
1729 Edgemont Avenue Downingtown, PA 19335
Chester, PA 19013 610.518.1522
610.874.1484
Media Fellowship House
APM 302 South Jackson Street
2147 North Sixth Street Media, PA 19063
Philadelphia, PA 19122 610.565.0434
215.235.6788
Northwest Counseling Service
Carroll Park Community Council, Inc. 5001 North Broad Street
5218 Master Street Philadelphia, PA 19141
Philadelphia, PA 19131 215.324.7500
215.877.1157
CCCS of Delaware Valley
280 North Providence Road
Media, PA 19063
215.563.5665
CCCS of Delaware Valley
790 E. Markel St.
Suite 170, Marshall Building
West Chester, PA 19382
215.563.5665
CCCS of Delaware Valley
1515 Market Street
Suite 1325
Philadelphia, PA 19107
215.563.5665
Chester Community Improvement Project
412 Avenue of the States
PO Box 541
Chester, PA 19016
610.876.8663 Diversified Community Services
Dixon House
1920 South 20th Street
Philadelphia, PA 19145
215.336.3511
FOB CDC
1201 West Olney Avenue
Phialdelphla, PA 19141
215.549.8755
Phila Council For Community Advmnt
100 North 17th Street
Suite 600
Philadelphia, PA 19103
215.567.7803
800.930.4663
Urban League of Philadelphia
1818 Markel Street
20th Floor
Philadelphia, PA 19103
215.561.6070
ELK County
Northern Tier Community Action Corp.
P.O. Box 389
135 West 4th Street
Emporium, PA 15834
814.486.1161
ERIE County
- - - --- - -BoaltPrrT: Vila'?rfiingtori?enler - - - - - .
1720 Holland Street
Erie, PA 16503
814.453.5744
CCCS of Western PA
4402 Peach Street
Erie, PA 16509
888.511.2227 exl
108
--------- ---
Page 8 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 711212006 12:02:04 PM
Greater Erie Community Action Committee American Red Cross - Hanover Chapter
18 West 9TH Street 529 Carlisle Street
Erie, PA 16501 Hanover, PA 17331
814.459.4581 717.637,3768
St. Martin Center
1701 Parade Street
Erie, PA 16503
814.452.6113
Voices for Ihdejiehdehce
3711 West 12th Street
Erie, PA 16505
800.838.9890
FAYETTE County
Action Housing, Inc
425 6th Avenue
Suite 950
Pittsburgh, PA 15219
412.281.2102
800.792.2801
CCCS of Western PA
1 North Gate Square
#2 Garden Center Drive
Greensburg, PA 15601
888.511.2227
CCCS of Western PA
Colonial Shopping Center
970 S. George St
York, PA 17403
- - - - - 888.511.2227. - - - -
Community Action Southwest
58 East Greene Street
Waynesburg, PA 15370
724.852.2893
Fayette Co. Community Action Agency, Inc.
137 North Beeson Avenue
Uniontown, PA 15401
714.437.6050
800.427.1NFO
Tableland Services Inc.
535 East Main Street
Somerset, PA 15501
814.445.9628
800.452.0148
FOREST County
Warren-Forest Counties Economic Opportunity Council
1209 Pennsylvania Ave;west- - -- - -
P.O. Box 547
Warren, PA 16365
814.726.2400
FRANKLIN County
Adams County Interfaith Housing Authority
40 E High Street
Gettysburg, PA 17325
717.334.1518
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
Community Action Commission of Captial Region
1514 Derry Street
Harrisburg, PA 17104
717.232.9757
Maranatha
43 Philadelphia Avenue
Waynesboro, PA 17268
717.762.3285
FULTON County
CCCS of Western PA
Colonial Shopping Center
970 S. George St
York, PA 17403
888.511.2227
Center for Community Services
10241 Lincoln Highway
Everett, PA 15537
814.623.9129
Huntingdon County Housing Services
Weatherization Inc.
917 Mifflin Street
Huntingdon, PA 16652
814.643.2343
877.984.7462
Maranatha
43 Philadelphia Avenue
Waynesboro, PA 17268
717.762.3285
GREENE County
Action Housing, Inc
425 6th Avenue
Suite 950
Pittsburgh, PA 15219
412.281.2102
800.792.2801
Page 9 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 711212006 12:02:04 PM
CCCS of Western PA JEFFERSON County
1 North Gate Square
#2 Garden Center Drive CCCS of Western PA
Greensburg, PA 15601 Buffer County Career Link
Pullman Commerce Center
8W.51 1.2227 112 Hollywood Drive
Community Action Southwest Butler, PA 16001
58 East Greene Street 688.511.2227
Waynesburg, PA 15370
724 852.2893 Indiana Co. Community Action Program
. ' .. -'827-Water Stieel-- -- -" ----- -- ---- --• -• - -
HUNTINGDON County Box 187
Indiana, PA 75701
CCCS of Northeastern PA 724.465.2657
202 W. Hamilton Avenue
State College, PA 16801 JUNIATA County
814.238.3668
800.922.9537 CCCS of Northeastern PA
202 W. Hamilton Avenue
CCCS of Western PA State College, PA 16801
Royal Remax Plaza 814.238.3668
917 A Logan Boulevard 800.922.9537
Altoona, PA 16602
888.511.2227 CCCS of Western PA
Royal Remax Plaza
Center for Community Services 917 A Logan Boulevard
10241 Lincoln Highway Altoona, PA 16602
Everett, PA 15537 888.511.2227
814.623.9129
Huntingdon County Housing Services
Huntingdon County Housing Services Weatherization Inc.
Weatherization Inc. 917 Mifflin Street
917 Mifflin Street Huntingdon, PA 16652
Huntingdon, PA 16652 814.643.2343
814.643.2343 877.984.7462
877.984.7462
LACKAWANNA County
INDIANA County
CCCS of Northeastern PA
CCCS of Western PA 401 Laurel Street
219A College Paris Plaza Pittston, PA 18640
Johnstown, PA 15904 570.602.2227
888.511.2227 800.922.9537
CCCS of Western PA
1 North Gate Square
#2 Garden Center Drive
Greensburg, PA 15601
888.511.2227
- - -Indiana Co. Community-Action Program - -
827 Water Street
Box 187
Indiana, PA 15701
724.465.2657
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814.535.6556
LANCASTER County
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610.821.4011
-800-837-.981'57" - - -
CCCS of Western PA
Colonial Shopping Center
970 S. George St
York, PA 17403
888.511.2227
Page 10 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/1212006 12:02:04 PM
Tabor Community Services, Inc. Schuylkill Community Action
308 E King Street 225 N. Centre Street
Suite 1 Pottsville, PA 17901
Lancaster, PA 17602 570.622.1995
717.397.5182
800.788.5062 LUZERNE County
LAWRENCE County
CCCS of Western PA
312 Chisinu-i 566et
Suite 227
Meadville. PA 16335
888.511.2227
Comm. on Econ Opportunity of Luzerne County
163 Amber Lane
Wilkes.Barre, PA 18702
570.826.0510
800.822.0359
Schuylkill Community Action
225 N. Centre Street
Pottsville, PA 17901
570.622.1995
Housing Opportunities of Beaver County
650 Corporation Street
Suite 207
Beaver, PA 15009
724.728.7511
Lawrence County Social Services, Inc.
PO Box 189
241 West Grant Street
New Castle, PA 16103
724.658.7258
724-658.7664
Shenango Valley Urban League, inc.
601 Indiana Avenue
Farrell, PA 16121
724.981.5310
LEBANON County
Schuylkill Community Action
225 N. Centre Street
Pottsville, PA 17901
570.622.1995
Tabor Community Services, Inc.
308 E King Street
Suite 1
Lancaster, PA 17602
717.397.5182
800.788.5062
LYCOMING County
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
CCCS of Northeastern PA
201 Basin Street
Suite 6
Williamsport, PA 17701
570.323.6627
800.922.9537
Lycom.Clntn Co Comm to Comm Action
2138 Lincoln Street
P.O. Box 3568
Williamsport, PA 17703
570.326.0587
MCKEAN County
Northern Tier Community Action Corp.
P.O. Box 389
135 West 4th Street
Emporium, PA 15834
814.486.1161
LEHIGH County
MERCER County
CCCS of Lehigh Valley CCCS of Western PA
- - - 3671 Crescent Court East - - - - Buder•Gounty-Career Link
Whilehail, PA 1 8052 Pullman Commerce Center
610.821.4011 112 Hollywood Drive
800.837.9815 Butler, PA 16001
888.511.2227
Community Action Committee
of the Lehigh Valley
1337 East Fifth Street
Bethlehem, PA 18015
610.691.5620
Shenango Valley Urban League, Inc.
601 Indiana Avenue
Farrell, PA 16121
724.981.5310
Page 11 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/1212006 12:02:04 PM I
MIFFLIN County
CCCS of Northeastern PA
202 W. Hamilton Avenue
State College, PA 16801
814.238.3668
800.922.9537
CCCS of Western PA
Royal Remax Plaza
917-A Logan-Boulevard
Altoona, PA 16602
888.511.2227
Huntingdon County Housing Services
Weatherization Inc.
917 Mifflin Street
Huntingdon, PA 16652
814.643.2343
877.984.7462
American Credit Counseling Institute
528 Dekalb Street
Norristown, PA 19401
610.971.2210
888.212.6741
American Credit Counseling Institute
530 West Street Road
Suite 201
215.444.9429
888.212.6741
MONROE County
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
CCCS of Northeastern PA
411 Main Street
Suite 104
Stroudsburg, PA 18360
570.420.8980
800.922.9537
Community Action Committee
of the Lehigh Valley
1337 East Fifth Street
Bethlehem, PA 18015
610.691.5620
MONTGOMERY County
Acorn Housing Corporation
846 North Broad Street
Philadelphia, PA 19130
215.765.1221
American Credit Counseling Institute
- 300 Nofth-Pottstown Pike--- - -
Suite 210
Exton, PA 19341
888.212.6741
American Credit Counseling Institute
845 Coates Street
Coatesville, PA 19320
888.212.6741
American Financial Counseling Services
175 Strafford Avenue, Suite One
Wayne, PA 19087
267.228.7903
800.490-3039
American Financial Counseling Services
1 Abington Plaza, Suite 403
Old York Road and Township Line
Jenkintown, PA 19046
267.228.7903
800.490.3039
CCCS of Delaware Valley
1777 Sentry Parkway West
Suite 200
Blue Bell, PA 19422
215.563.5665
CCCS of Delaware Valley
1515 Market Street
Suite 1325
Philadelphia, PA 19107
215.563.5665
Chester Community Improvement Project
412 Avenue of the States
PO Box 541
Chester, PA 19016
610.876.8663
Community Action Development Comm
CADCOM
113 E Main St
Norristown, PA 19401
610.277.6363
American Credit Counseling Institute
937 North Hanover Street Germantown Settlement
Pottstown, PA 19460 5538 Wayne Avenue
888.212.6741 Bldg C
Philadelphia, PA 19144
215.849.3104
Page 12 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7112/2006 12:02:04 PM
Housing Partnership of Chester County Schuylkill Community Action
41 West Lancaster Ave 225 N. Centre Street
Downingtown, PA 19335 Pottsville, PA 17901
610.518.1522 570.622.1995
Media Fellowship House
302 South Jackson Street
Media, PA 19063
610.565.0434
Nortfiwesf-CounselingSenrice` - _ .. - -- -- -- --
5001 North Broad Street
Philadelphia, PA 19141
215.324.7500
Phila Council For Community Advmnt
100 North 17th Street
Suite 600
Philadelphia, PA 19103
215.567.7803
800.930.4663
MONTOUR County
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
NORTHAMPTON County
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610.821.4011
800.837.9815
Community Action Committee
of the Lehigh Valley
1337 East Fifth Street
Bethlehem, PA 18015
610.691.5620
NORTHUMBERLAND County
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537 _
CCCS of Northeastern PA
201 Basin Street
Suite 6
Wiliamsport, PA 17701
570.323.6627
800.922.9537
PERRY County
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
Community Action Commission of Captial Region
1514 Derry Street
Harrisburg, PA 17104
717.232.9757
Huntingdon County Housing Services
Weatherization Inc.
917 Mifflin Street
Huntingdon, PA 16652
814.643.2343
877.984.7462
Loveship,Inc.
2320 North 5th Street
Harrisburg, PA 17110
717.232.2207
Maranatha
43 Philadelphia Avenue
Waynesboro, PA 17268
717.762.3285
PHILADELPHIA County
Acorn Housing Corporation
846 North Broad Street
Philadelphia, PA 19130
215.765.1221
American Credit Counseling Institute
530 West Street Road
Suite 201
Warminster, PA 18974
215.444.9429
888.212.6741
American Credit Counseling Institute
845 Coates Street
Coatesville, PA 19320 -
888.212.6741
American Financial Counseling Services
175 Strafford Avenue, Suite One
Wayne, PA 19087
267228.7903
800.490.3039
Page 13 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 711212006 12:02:04 PM
APM HACE
2147 North Sixth Street 167 W. Allegheny Avenue
Philadelphia, PA 19122 2nd FI
215.235.6788 Philadelphia, PA 19140
215.426.8025
Carroll Park Community Council, Inc.
5218 Master Street Housing Association of Delaware Valley
Philadelphia, PA 19131 1500 Walnut Street
215.877.1157 Suite 601
Philadelphia, _PA 19102. _
- - CECS-of Delaware- Valley
215.545.6010
One Cherry Hill
Suite 215 Housing Association of Delaware Valley
Cherry Hill, PA 08002 658 North Watts Street
215.563.5665 Philadelphia, PA 19123
215.978.0224
CCCS of Delaware Valley
Catholic Social Services Building inercultural Family Services, Inc.
7340 Jackson Street 4225 Chestnut Street
Philadelphia, PA 19136 Philadelphia, PA 19104
215.563.5665 215.386.1298
CCCS of Delaware Valley Korean Community Development Services Center
1515 Market Street 6055 North 5th Street
Suite 1325 Philadelphia, PA 19120
Philadelphia, PA 19107 215.276.8830
215.563.5665
Liberty Resources
Chester Community Improvement Project 1342 North Delaware Avenue
412 Avenue of the States Suite 105
PO Box 541 Philadelphia, PA 19125
Chester, PA 19016 215.634.2000
610.876.8663
Mt. Airy, USA
Council of Spanish Speaking Organization 6703 Germantown Avenue
705-09 North Franklin Street Suite 200
Philadelphia, PA 19123 Philadelphia, PA 19119
215.627.3100 215.844.6021
Diversified Community Services Northwest Counseling Service
Dixon House 5001 North Broad Street
1920 South 20th Street Philadelphia, PA 19141
Philadelphia, PA 19145 215.324.7500
215.336.3511
Nueva Esperanza
FOB CDC 4261 North 5th Street
1201 West Olney Avenue Philadelphia, PA 19140
Phialdelphia, PA 19141 215.324.0746
215.549.8755
Phila Council For Community Advmnt
Frankford CDC - 100 North 17th Street
4625 Frankford Avenue Suite 600
2nd Floor Philadelphia, PA 19103
Philadelphia, PA 19124 215.567.7803
215.743.9201 800.930.4663
Germantown Settlement Philadelphia Senior Center
5538 Wayne Avenue 509 South Broad Street
Bldg C Philadelphia, PA 19147
Philadelphia. PA 19144 215.546.5879
215.849.3104
Page 14 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 711212006 12:02:04 PM
South Philadelphia H.O.M.E.S.
1444 Point Breeze Avenue
Philadelphia, PA 19146
215.334.4430
Southwest Community Development Corporation
6328 Paschall Avenue
Philadelphia, PA 19142
215.729.0800
United Commuffll:Ws S"outTieasfPhifadelptiia
2029 South 8th Street
Philadelphia, PA 19148
215.467.8700
Urban League of Philadelphia
1818 Markel Street
20th Floor
Philadelphia, PA 19103
215.561.6070
West Oak Lane CDC
6259 Limekiln Pike
Philadelphia, PA 19141
215.224.0880
PIKE County
Comm. on Econ Opportunity of Luzerne County
163 Amber Lane
Wilkes.Bane, PA 18702
570.826.0510
800.822.0359
Schuylkill Community Action
225 N. Centre Street
Pottsville, PA 17901
570622,1995-- ----
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
CCCS of Northeastern PA
411 Main Street
Suite 104
Stroudsburg, PA 18360
570.420.8980
800.922.9537
POTTER County
Northern Tier Community Action Corp.
P.O. Box 389
135 West 4th Street
Emporium, PA 15834
814.486.1161
SCHUYLKILL County
Budget Counseling Center
247 North Fifth Street
Reading, PA 19601
610.375.7866
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610.821.4011
800.837.9815
SNYDER County
CCCS of Western PA
2000 Lingleslown Road
Harrisburg, PA 17102
888.511.2227
Community Action Commission of Captiai Region
1514 Deny Street
Harrisburg, PA 17104
717.232.9757
SOMERSET County
CCCS of Western PA
219.A College Park Plaza
Johnstown, PA 15904
888.511.2227
CCCS of Western PA
1 North Gate Square
#2 Garden Center Drive
Greensburg, PA 15601
888.511.2227
Center for Community Services
10241 Lincoln Highway
Everett, PA 15537
814.623.9129
Fayette Co. Community Action Agency, Inc.
137 North Beeson Avenue
Uniontown, PA 15401
724.437.6050
800.427.INFO
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
81d.???.6556 -
Tableland Services inc.
535 East Main Street
Somerset, PA 15501
814.445.9628
800.452.0148
Page 15 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/1212006 12:02:04 PM
SULLIVAN County. UNION County
CCCS of Northeastern PA CCCS of Northeastern PA
401 Laurel Street 401 Laurel Street
Pittston, PA 18640 Pittston, PA 18640
570.602.2227 570.602.2227
800.922.9537 800.922.9537
The Trehab Center of Northeastern PA CCCS of Northeastern PA
1225 Main Street 201 Basin Street
Honesdale, PA 1843i SUile 6
570.253.8941 Williamsport, PA 17701
800.982.4045 570.323.6627
800.922.9537
The Trehab Center of Northeastern PA
German Street
P.O. Box 389
Dushore. PA 18614
570.928.9667
800.982.4045
CCCS of Western PA
Royal Remax Plaza
917 A Logan Boulevard
Altoona, PA 16602
888.511.2227
SUSQUEHANNA County
The Trehab Center of Northeastern PA
1225 Main Street
Honesdale, PA 18431
570.253.8941
800.982.4045
The Trehab Center of Northeastern PA
10 Public Avenue
PO Box 366
Montrose, PA 18801
570.278.3338
800.982.4045
TIOGA County
CCCS of Northeastern PA
401 Laurel Street
Pittston, PA 18640
570.602.2227
800.922.9537
Lycom.Clntn Co Comm fo Comm Action
2138 Lincoln Street
P.O. Box 3568
Williamsport, PA 17703
570.326.0587
VENANGO County
CCCS of Western PA
Butler County Career Link
Pullman Commerce Center
112 Hollywood Drive
Butler, PA 16001
888.511.2227
Center for Family Services, Inc.
213 Center Street
Meadville, PA 16335
814.337.8450
Greater Erie Community Action Committee
18 West 9TH Street
Erie, PA 16501
The Trehab Center of Northeastern PA 814.459.4581
144 E. East Avenue
Wellsboro, PA 16901 St. Martin Center
570.724.5252 1701 Parade Street
800.982.4045 Erie, PA 16503
814.452.6113
- - The-Trehab Center of N6rthilaEteth PA _ - - -- - -- _ -- - ._ .... .
1225 Main Street WARREN County
Honesdale, PA 18431
570.253.8941 Booker T. Washington Center
800.982.4045 1720 Holland Street
Erie, PA 16503
814.453.5744
Page 16 of 18
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7112/2006 12:02:04 PM
CCCS of Western PA WAYNE County
4402 Peach Street
CCCS of Northeastern PA
Erie, PA 16509 401 Laurel Street
888.511.2227 ext
Pittston, PA 18640
108
570.602.2227
Greater Erie Community Action Committee 800.922.9537
18 West 9TH Street
Erie, PA 16501 CCCS of Northeastern PA
814.459.4581 411 Main Street
- - " Suite 104
St. Martin Center Stroudsburg, PA 18360
1701 Parade Street 570.420.8980
Erie, PA 16503 800.922.9537
814.452.6113
The Trehab Center of Northeastern PA
Warren-Forest Counties Economic Opportunity Council 1225 Main Street
1209 Pennsylvania Ave, West Honesdale, PA 18431
P.O. Box 547 570.253.8941
Warren, PA 16365 800.982.4045
814.726.2400
WESTMORELAND County
WASHINGTON County
Action Housing, Inc
Action Housing, Inc 425 6th Avenue
425 61h Avenue Suite 950
Suite 950 Pittsburgh, PA 15219
Pittsburgh, PA 15219 412.281.2102
412.281.2102 800.792.2801
800.792.2801
CCCS of Western PA
CCCS of Western PA 1 North Gate Square
1 North Gate Square #2 Garden Center Drive
#2 Garden Center Drive Greensburg, PA 15601
Greensburg, PA 15601 888.511.2227
888.511.2227
Community Action Southwest
CCCS of Western PA 58 East Greene Street
41 East Chestnut Street Waynesburg, PA 15370
Washington, PA 15301 724.852.2893
888.511.2227
Indiana Co. Community Action Program
Community Action Southwest 827 Water Street
150 West Beau Street Box 187
Suite 304 Indiana, PA 15701
Washington, PA 15301 724.465.2657
724.225.9550
Keystone Economic Development Corp.
Community Action Southwest 1954 Mary Grace Lane
58 East Greene Street Johnstown, PA. 15901
Waynesburg; PA 15370 - 814.535.6556
724.852.2893
Mon Valley Unemployment Committee
Mon Valley Unemployment Committee 1800 West Street
1800 West Street 3rd Floor
3rd Floor Homestead, PA 15120
Homestead, PA 15120 412.462.9962
412.462.9962
Page 17 of 18
1
HEMAP Consumer Credit Counseling Agencies
Report last updated: 7/1212006 12:02:05 PM
Tableland Services Inc.
535 East Main Street
Somerset, PA 15501
814.445.9628
800.452.0148
WYOMING County
CCCS of Northeastern PA
401 Laurel Street
Pitt§16n,-PA-18640
570.602.2227
800.922.9537
Comm. on Econ Opportunity of Luzerne County
163 Amber Lane
Wilkes.Barre, PA 18702
570.826.0510
800.822.0359
The Trehab Center of Northeastern PA
115 SR 92S
Tunkhannock, PA 18657
570.836.6840
800.982.4045
The Trehab Center of Northeastern PA
1225 Main Street
Honesdale, PA 18431
570.253.8941
800.982.4045
YORK County
Adams County interfaith Housing Authority
40 E High Street
Gettysburg, PA 17325
717.334.1518
American Red Cross - Hanover Chapter
529 Carlisle Street
Hanover, PA 17331
717.637.3768
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
CCCS of Western PA
- Colonial-Shopping-Center
970 S. George St
York, PA 17403
888.511.2227
Housing Alliance of York
35 South Duke Street
York, PA 17401
717.854.1541
Page 18 of 18
'7160 3901 9845 3935 966.b
jamela S. Mattus
3810 Market Street
Camp Hill, PA 17011
SENDER: 1e
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5j 4 Partridge Court
:I Mechanicsburg, PA 17055
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ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
Date of Notice: October 29, 2007
PAUL A MATTUS.
3810 MARKET STREET
CAMP HILL PA 17011
Loan # 0356120928
This is an official notice that the mortgage on your home is in default, and the lender intends to
foreclose Specific information about the nature of the default is provided in the attached pages.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to
save your home This Notice explains how the program works.
To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING
AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when
you meet with the Counseling Agency.
The name address and phone number of Consumer Credit Counseling Agencies serving your
County are listed at the end of this Notice If you have any questions you may call the Pennsylvania
Housing Finance Agency toll free at 1-800-342-2397 (Persons with impaired hearing can call (717)
780-1869).
This Notice contains important legal information. If you have any questions, representatives at the
Consumer Credit Counseling Agency may be able to belp 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, PLIES AFECTA SU
DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO
DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO
ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL
NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR
EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE
_ - - . -P-I?06Il;AM=' EIT CUA3PUEDE frAL- WAR SU-C-AS?-DE?A PERDIDA DEL DERECHO-A - _ - . _
REDIMIR SU HIPOTECA.
HOMEOWNER'S NAME(S): PAUL A MATTUS
PROPERTY ADDRESS: 514 PARTRIDGE COURT
MECHANICSBURG PA 17055
LOAN ACCT. NO.: 0356120928
CURRENT LENDER/SERVICER: Sovereign Bank
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
• IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND
YOUR CONTROL,
• IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY
YOUR MORTGAGE PAYMENTS, AND
• IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED
BY THE PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -- Under the Act,'"you are entitled to a temporary stay of foreclosure
on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a
"face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS
MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY
MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS
NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR
MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling
agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the
date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling
agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to
schedule one face-to-face meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later
in this Notice (see following pages for specific information about the nature of your default.) If you have tried and
are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the
Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed
Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling
agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the
program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency.
Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY
PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE
ASSISTANCE WILL BE-DENIED. .-
AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed
by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has
sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings
will be pursued against you if you have met the time requirements set forth above. You will be notified directly by
the Pennsylvania Housing Finance Agency of its decision on your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION 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.
(lf you have riled bankruptcy you can still apply for Emergency Mortgage Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date).
NATURE OF THE DEFAULT --The MORTGAGE held by Sovereign Bank (hereinafter we, us, or ours) on your
property located at 514 PARTRIDGE COURT, MECHANICSBURG PA 17055, IS SERIOUSLY IN
DEFAULT because YOU HAVE NOT MADE THE MONTHLY PAYMENTS of $2172.94 since 07/01/07 to the
present. The total amount now required to cure this default, or-1 other words, get caught up in your payments, as of
the date of this letter, is $9216.76. The total amount includes late charges and any other charges that have accrued
to this date. If you disagree with the assertion that a default has occurred or the correctness of the calculated amount
required to cure the default, contact:
SOVEREIGN BANK OVERNIGHT DELIVERY:
MORTGAGE COLLECTIONS DEPARTMENT
PO BOX 8627 OR 601 PENN STREET
READING PA 19603 READING, PA 19601
1-800-753-7366
HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (30) DAYS of the date of this
notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $9216.76, PLUS
ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)
DAY PERIOD. Payments must be made either by-cash, cashier's check certified check or money order made
payable to Sovereign Bank and sent to the above address.
IF YOU DO NOT CURE THE DEFAULT-If you do not cure the default within THIRTY (30) DAYS of the
date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the
entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the
mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30)
DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon Your mortgaged
property.
IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off
the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender
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 attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be
added to the.amount you owe the lender, which may also include other reasonable costs. If you cure the default
within the THIRTY (30) DAY period you will not be required to pay attorney's fees.
OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all
other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within
the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default
and prevent the sale at any time np to one hour before the Sheriff s Sale You may do so by paving the total amount
then past due plus any late or other charges then due reasonable attorney's fees and costs connected with the
performing any other requirements under the mortgage. Curing your default in the manner set forth in this
notice will restore your mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff s Sale
of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A
notice of the actual date of the 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: SOVEREIGN BANK
Address: PO BOX 8627, READING PA 19603
Phone Numfier: 1-800-753=7366 .
Fax Number: 1-800-881-9334
Contact Person: Constance M. Cocroft, Vice President
EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the
mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a
lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE - You may have the right to sell or transfer your home to a buyer or transferee
who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and
costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO
CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.)
TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR
ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS,
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE
LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (SEE ENCLOSURE)
You may contact our Mortgage Services Department via E-mail at:
MORTS ERY (a,S OV EREI GNB ANK. C OM
This bank is a debt collector attempting to collect a debt and any information obtained from you will be used for that
purpose.
HOUSING AND URBAN DEVELOPMENT ("HUD") NOTIFICATION
IMPORTANT NOTICE OF THE HOUSING AND COMMUNITY DEVELOPMENT ACT OF 1987
PLEASE READ THIS NOTICE. HOMEOWNERSHIP COUNSELING MAY BE AVAILABLE TO YOU.
DATE: October 29, 2007
TO: PAUL A MATTUS
RE: Account No. 0356120928
FROM: Sovereign Bank
The Housing and Community Development Act of 1987 requires that Sovereign Bank notify eligible homeowners with delinquent
home loans of the availability of homeownership counseling. Because your home loan is DELINQUENT, you may be eligible for
homeownership counseling provided by certain non-profit organizations.
PLEASE CALL THE HUD TOLL FREE NUMBER AT
1-800-569-4287
FOR MORE INFORMATION.
If you have any questions about your home loan you may call or write to Sovereign Bank at:
MORTGAGE COLLECTIONS DEPARTMENT
SOVEREIGN BANK - -
PO BOX 8627
READING PA 19603
1-800-753-7366
Constance M. Cocroft
Vice President
PENNSYLVANIA ROUSING FINANCE AGENCY
HOMEOWN( _, ; EMERGENCY MORTGAGE ASSISTA .: PROGRAM
(_,NSUMER CREDIT COUNSELING AGENCIES
ADAMS COUNTY
American Red Cross - Hanover Chapter
529 Carlisle Street
Hanover, PA 17331
717-637-3768
FAX 717-637-3294
Financial Counseling Services of Franklin
31 West 3`d Street
Waynesboro, PA 17268
717-762-3285
ARMSTRONG COUNTY
CCCS of Western PA, inc.
217 East Plank Road
Altoona, PA 16602
814-944-8100,814-944-5747
Credit Counselors of PA
401 Wood Street Suite 906
Pittsburgh, PA 15222
412-338-9954,800-737-2933
FAX 412-338-9963
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
CCCS of Western PA, Inc.
217 E. Plank Road
Altoona, PA 16602
814-944-8100 _-.
FAX 814-944-5747
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
717-541-1757
717-541-4670
Adams County Housing Authority
139-143 Carlisle Street
Gettysburg, PA 17325
717-334-1518, FAX. 717-334-8326
ALLEGHENY COUNTY
Pennsylvania Housing Finance Agency
2275 Swallow Hill Road, Bldg. 200
Pittsburgh, PA 15220
412-429-2842, FAX 412-429-2835
Action Housing Inc.
425 6'h Avenue, Suite 950
Pittsburgh, PA 15219
412-391-1956,412-281-2102,
800-792-2801, FAX 412-391-4512
CCCS of Western PA, Inc.
309 Smithfield Street
Pittsburgh, PA 15222
412-471-7584
Urban League of Pittsburgh
Bldg. for Equal Opportunity
One Smithfield Street -
Pittsburgh, PA 15222
412-227-4802, FAX 412-261-5207
Mon-Valley Unemployed Committee
120 E. 9'h Avenue
Homestead, PA 15120
412-462-9962
Indiana Co. Community Action Program
827 Water Street, Box 187
Indiana, PA 15701
724-465-2657
FAX 724-465-5118
BEAVER COUNTY
Action Housing, Inc.
425 6`h Avenue, Suite 950
Pittsburgh, PA 15219
412-391-1956
FAX 412-3914512
Housing Opportunities of Beaver Co, Inc.
650 Corporation Street, Suite 207
Beaver, PA 15009
724-723-7511
Credit Counselors of PA
401 Wood Street, Suite 906
Pittsburgh, PA 15222
412-338-9954,800-737-2933
FAX 412-338-9963
CCCS of Western PA, Inc.
971 Yd Street
Beaver, PA 15009
724-774-0798
Mon-Valley Unemployed Committee
120 E. 9'h Avenue
Homestead, PA 15120
412-462-9964,412-462-9962
Housing Opportunities, Inc.
133 7'h Street, PO Box 9
McKeesport, PA 15134
412-664-1906 FAX 412-664-0873
Credit Counselors of PA BEDFORD COUNTY
401-WoottStreet,-Suite-906 - ' ' ---Bedford=Fbitd'n-HoasingServices- -
Pittsburgh, PA 15222 10241 Lincoln Highway
412-338-9954, 800-737-2933 Everett, PA 15537
FAX 412-338-9963 814-623-9129 FAX 814-623-7187
Community Action Southwest
22 West High Street
Waynesburg, PA 15370
724-852-2893
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Housing Opportunities
133 Seventh Street, PO Box 9
McKeesport, PA 15132
412-664-1906
FAX 412-664-0873
Tableland Services, Inc.
535 East Main Street
Somerset, PA 15501
814-445-9628,800452-0148
FAX 814-443-3690
BERKS COUNTY
Budget Counseling Center
247 North Fifth Street
Reading, PA 19601
610-375-7866
FAX 610-375-7830
EOC of Schuylkill County
225 N. Centre Street
Pottsville, PA 17901
717-622-1995
FAX 717-622-0429
CCCS Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610-821-4011,800-220-2733(814)only
FAX 610-821-8932
Community Housing Counselors, Inc.
PO Box 244
Kennett Square, PA 19348
610-444-3682
FAX 610-444-8243
BLAIR COUNTY
Bedford-Fulton Housing Services
RD I Box 384
Everett, PA 15537
814-623-9129
FAX 814-623-7187
CCCS of Western PA, Inc.
217 East Plank Road
Altoona, PA 16602 _
-814-9444 100, 8 (4=944-3747
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
t ti?J t CH COUNTY
EOC'ofSchuylkill County Acorn Housing Corporation
225 North Center Street 846 North Broad Street
Pottsville, PA 17901 Philadelphia, PA 19130
570-622-1995 215-765-1221
FAX 570-622-0429 FAX 215-765-1427.
CCCS of Lehigh Valley Budget Counseling Center
3671 Crescent Court East 247 North Fifth Street
Whitehall, PA 18052 Reading, PA 19601
610-821-0011,800-220-2733 610-375-7866
717 and 814 only for 800 FAX 215-375-7830
FAX 610-821-0137-
HACE
CCCS of Northeastern PA 167 W. Allegheny Avenue, 2nd Floor
1400 Abington Executive Park, Suite I Philadelphia, PA 19140
Clarks Summitt, PA 18411 215-426-8025
570-587-9163,800-922-9537 FAX 215-426-9122
FAX 570-587-9134/9135
Media Fellowship House
CCCS of Northeastern PA 302 S. Jackson Street.
31 W Market Street Media, PA 19063
Wilkes-Barre, PA 18702 610-565-0846
570-821-0837 ,.800-922-9537 FAX 610-565-8567
FAX 570-821-1785
Tabor. Community Services, Inc.
CCCS of Northeastern PA 439 East King Street
9 South 7'h Street Lancaster, PA 17602
Stroudsburg, PA 18360 717-397-5182, 800-788-5062 (H. O. only)
570-420-8980, 800-922-9537 FAX 717-3994127
FAX 570-420-8981
American Red Cross of Chester
CCCS of Northeastern PA 1729 Edgemont Avenue
1631 S Athert on. Street, Suite 100 Chester, PA 19013
State College, PA 16801 610-874-1484
814-238-3668
FAX 814-238-3669 Northwest Counseling Services
5001 N. Broad Street
CEO of Luzerne County Philadelphia, PA 19141
163 Amber Lane 215-324-7500
Wilkes-Barre, PA 18702 FAX 215-324-8753
570-826-0510, 800-822-0359
FAX 570-829-1665 - CALL FIRST CCCS of Delaware Valley
570-455-4994 Hazleton 1515 Market Street, Suite 1325 .
FAX 570-455-5631 - CALLFIRST Philadelphia, PA 19107
570-836-4090 Tunkhannock 215-563-5665
FAX 215-563-7020
CENTRE COUNTY
CCCS of Western PA, Inc. Community Housing Counseling Inc.
217 East Plank Road PO Box 244 " •
Altoona, PA 16602 - Kennett Square, PA 19348
814-944-8100 610-444-3682
FAX 814-944-5747 FAX 610-444-8243
Lycoming-Clinton Co STEP Philadelphia Council for Community Adv.
2138 Lincoln Street, PO Box 1328 1.00 North.. 17'h Street,.Suite_600
_Winiamsport, PA 17703 Philadelphia, PA 19103
570-326-0587 215-567-7803
FAX 570-322-2197 FAX 215-963-9941
CCCS of Northeastern PA CDC of Frankford Group Ministry
1631 S Atherton Street, Suite 100 4620 Griscom Street
State College, PA 16801 Philadelphia, PA 19124
814-238-3668 215-744-2990
FAX 814-238-3669 FAX 215-744-2012
CCCS of Northeastern PA CCCS of Delaware Valley
201 Basis Street Marshall Building
Williamsport, PA 17703 790 E Market Street, Suite 215
570-323-6627 West Chester, PA 19382
FAX 570-323-6626' 215-563-5665
P=;,?rican CC]
( oates Street
Coatesville, PA 19320
888-212-6741
American CCI
144 E Dekalb Pike
King of Prussia, PA 19406
610-971-2210
FAX 610-265-4814
American CC]
755 York Road, Suite 103
Warminster, PA 18974
215-444-9429
FAX 215-956-6344
CLARION COUNTY
CCCS of Western Pennsylvania, Inc.
YMCA Building, 339 N Washington Street
Butler, PA 16001
412-282-7812
CLEARFIELD COUNTY
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Indiana Co. CAP
827 Water Street, Box 187
Indiana, PA 15701
724-465-2657
FAX 724-465-5118
CCCS of Western PA, Inc.
217 E Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
CCCS of Northeastern PA
1631 S Atherton Street, Suite 100
State College, PA 16801
814-238-3668
FAX 8"14-238-3669
CCCS of Western PA
219-A College Park Plaza
Johnstown, PA 15904
814-539-6335
CLINTON COUNTY
- L>ycoming-Clinton-Counties STEP
2138 Lincoln Street, PO Box 1328
Williamsport, PA 17703
570-326-0587
FAX 570-322-2197
CCCS of Northeastern PA
201 Basin Street
Williamsport, PA 17703
570-323-6627
FAX 570-323-6626
1631 S Atherton Street, Suite 100
State College, PA 16801
814-238-3668
FAX 814-238-3669
FAYETTE COUNTY Financial Services Unlimited W,'NTINGDON COUNTY
" Action Housing Inc. 31 West Yd Street ( Ord-Fulton Housing Services
425 6'h Avenue, Suite 950 Waynesboro, PA 17268 Rill, Box 384
Pittsburgh, PA 15219 717-762-3285 Everett, PA 15537
412-391-1956,412-281-2102 814-623-9129
FAX 412-3914512 CCCS of Western PA, Inc. FAX 814-623-7187
912 South George Street
Mon Valle Unemployed Committee York, PA 17403 Weatherization Office
120 East 9' Avenue 717-8464176 917 Mifflin Street
Homestead, PA 15120 Huntingdon, PA 16652
412-462-9962 YWCA of Carlisle 814-643-2343
301 G Street
Tableland Services, Inc Carlisle, PA 17013 CCCS of Western-P-A, Inc.
131 North Center Avenue 717-243-3818 217 E. Plank Road
Somerset, Pa 15501 FAX 717-243-3948 Altoona, PA 16602
814-445-9628 814-944-8100
FAX 814-443-3690 American Red Cross-Hanover Chapter FAX 814-944-5747
529 Carlisle Street
CCCS of Western PA, Inc Hanover, PA 17331 INDIANA COUNTY
I North Gate Square 717-637-3.768 CCCS OFWestern PA, Inc.
2 Garden Center Drive FAX 717-637-3294 1 North Gate Square
Greensburg, PA 15601 2 Garden Center Drive
724-838-1290 - FULTON COUNTY Greensburg, PA 15601
Bedford-Fulton Housing Services 724-838-1290
Community Action Southwest RD 1, Box 384
22 West High Street Everett, PA 15537 Keystone Economic Development Corp.
Waynesburg, PA 15370 814-623-9129 1954 Mary Grace Lane
724-852-2893 FAX 814-323-7187 Johnstown, PA 15901
814-535-6556
Fayette Co Community Action Agency CCCS of Western PA, Inc. FAX 814-539-1688
137 North Beeson Avenue 912 South George Street
Uniontown, PA 15401 York, PA 17403 Indiana Courity CAP
724-437-6050, 800-427-INFO 717-846-4176 827 Water Street, PO Box 187
FAX 724-4374418 Indiana, PA 15701
Financial Counseling Services of Franklin 724-465-2657
CCCS of Western PA 31 West 3`d Street FAX 724-465-51 18
199 Edison Street Waynesboro, PA 17268
Uniontown, Pa 15401 717-762-3285 CCCS of Western PA
724-439-8939 219-A College Park Plaza
Weatherization Office Johnstown, PA 15904
FOREST COUNTY 917 Mifflin Street 814-539-6335
Warren-Forest CEOC Huntingdon, PA 16652
204 Liberty Street, PO Box 547 814-643-2343 JEFFERSON COUNTY
Warren, PA 16365 John F. Kennedy Center, Inc.
814-726-2400 GREENE COUNTY 2021 East 20" Street
FAX 814-723-0510 Action Housing, Inc. Erie, PA 16510
425 6'h Avenue, Suite 950 814-898-0400
FRANKLIN COUNTY Pittsburgh, PA 15219 FAX 814-898-1243
Adams County Housing Authority 412-391-1956, 412-281-2102
139-143 Carlisle Street FAX 412-391-4512 Indiana County CAP
Gettysburg, PA 17325 827 Water Street, Box 187
717-334-1518 Community Action Southwest Indiana, PA 15701
FAX 717-334-8326 22 West High Street 724-465-2657
Waynesburg, PA 15370 FAX 724-465-5118
CCCS of Western PA 724-852-2893
2000 Linglestown Road FAX-724_b27_7713_ _ -CCCS of-Western PA, Inc.
Harrisburg, PA 17102 YMCA Building, 339 North Washington Street
717-541-1757 Mon-Valle Unemployed Committee Butler, PA 16001
FAX 717-541-4670 120 East 9' Avenue 724-282-7812
Homestead, PA 15120
Urban League of Metropolitan Harrisburg 412-462-9962 JUNIATA COUNTY
2107 N 6'h Street FAX 412-462-9964 CCCS of Western PA, Inc.
Harrisburg, PA 17101 217 E. Plank Road
717-234-5925 CCCS of Western PA, Inc. Altoona, PA 16602
FAX 717-234-9459 1 North Gate Square 814-944-8100
2 Garden Center Drive FAX 814-944-5747
CAC of the Capital Region Greensburg, PA 15601
1514 Derry Street 724-838-1290 Weatherization Office
Harrisburg, PA 17104 917 Mifflin Street
717-232-9757 Huntingdon, PA 16652
FAX 717-234-2227 814-643-2343
Northwest Counseling Service
5001 IV.Broad Street
Philadelphia, PA 19141
215-324-7500
FAX 215-324-8753
Community Action Development Comm
113 East Main Street
Norristown, PA 19401
6 I 0-277-6363
FAX 610-277-2123
Community Housing-Counselors Inc.
PO Box 244
Kennett Square, PA 19348
215-444-3682
FAX 215-444-8243
Media Fellowship House
302 S. Jackson Street
Media, PA 19063
610-565-0846
FAX 610-565-8567
American Credit Counseling Institute
845 Coates Street
Coatesville, PA 19320
888-212-6741
Phila. Council For Community Advmnt
100 North 17'" Street Suite 600
Philadelphia, PA 19103
215-567-7803
FAX 215-963-9941
American Credit Counseling Institute
144 E Dekaib Pike
King of Prussia, PA 19406
610-971-2210
FAX 610-265-4814
American Credit Counseling Institute
755 York Road, Suite 103
Warminster, PA 18974
215-444-9429
FAX 215-956-6344
MONTOUR COUNTY
CCCS of Northeastern PA
31 W. Market Street, PO Box 1127
Wilkes-Barre, PA 18702
570- 821-0837, 800-922-9537
FAX 570-821-1785
NORTHUMBERLAND
^CCS of Northeastern PA
31 W Market Street, PO Box 1127
Wilkes-Barre, PA 18702
570-821-0837,800-922-9537
FAX 570-821-1785
CCCS of Northeastern PA
1400 Abington Executive Park, Suite 1
Clarks Summitt, PA 18411
570-587-9163,800-922-9537
FAX 570-587-9134/9135
CCCS of Northeastern PA
201 Basin Street
Williamsport, PA 17703
570-323-6627
FAX 570-323-6626
EOC of Schuylkill County
225 North Centre Street
Pottsville, PA 17901
570-622-1995
FAX 570-622-0429
PERRY COUNTY
CCCS of Western PA, Inc.
2000 Linglestown Road
Harrisburg, PA 17102
717-541-1757
FAX 717-541-4670
Urban league of Metro Harrisburg
2107 North 6'" Street
Harri sburg, PA 17101
717-234-5925
FAX 717-234-9459
YWCA of Carlisle
301 G Street
Carlisle, PA 17013
717-243-3818
FAX 717-243-3948
Financial Counseling Services of Franklin
31 West P Street
Waynesboro, PA 17265
717-762-3285
Weatherization Otriee
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
CCCS of Northeastern PA - CAC of the Capital Region
1400 Abington Executive Park,_$Liite 1 _
- 1.51.4 Deny-Street
Clarks Summitt, PA
1 W) Harrisburg, PA 17104
570-587-9163,800-922-9537 717-232-9757
FAX 570-587-9134/9135 FAX 717-234-2227
NORTHHAMPTON COUNTY
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610-8214011
800-220-2733 (717) and (814) ONLY
FAX 610-821-8932
PHILADELPHIA COUNTY
Acorn Housing Corporation
846 North Broad Street
Philadelphia, PA 19130
215-765-1221
FAX 215-765-1427
N--`hwest Counseling Service
N Broad Street
Philadelphia, PA 19141
215-324-7500
FAX 215-324-8753
CCCS of Delaware Valley
1515 Market Street, Suite 1325
Philadelphia, PA 19107
215-563-5665
FAX 215-864-2666
HACE
167 W Allegheny, 2nd floor
Philadelphia, PA 19140
215-426-8025
FAX 215-426-9122
Media Fellowship House
302 S Jackson Street
Media., PA 19063
610-565-0846
FAX 610-565-8567
PCCA
100 N 17" Street, Suite 500
Philadelphia, PA 19103
215-567-7803
FAX 215-963-9941
CCCS of DelawareVatley
One Cherry Hill, Suite 215
Cherry Hill, NJ 08002
215-563-5665
Housing Assoc. of Delaware Valley
1500 Walnut Street, Suite 501
Philadelphia, PA 19102
215-545-6010
FAX 215-790-9132
Housing Assoc. of Delaware Valley
658 North Watts Street
Philadelphia, PA 19123
215-978-0224
FAX 215-765-7614
Community Devel. Corp of Frankford
Group Ministry
4620 Griscom Street
Philadelphia, PA 19124
215-744-2990
FAX 215-744-2012
American Credit Counseling Institute
,845 Coates Street -
Coatesville, PA 19320
888-212-6741
American Credit Counseling Institute
144 E Dekalb Pike
King of Prussia, PA 19406
610-971-2210
FAX 610-2654814
American Credit Counseling Institute
755 York Road, suite 103
Warminster, PA 18974
215-444-9429
FAX 215-956-6344
j %-iaituu atreei
Wellsboro, PA 16901
570-724-5252
FAX 570-724-5783
103 Warren Street, PO Box 709
Tunkhannock, PA 18657
570-836-6840
FAX 570-836-6332
German Street, PO Box 389
Dushore, PA 18614
570-928-9668
FAX 570-928-8144
931 Main Street
Honesdale, PA 18431
570-253-8941
FAX 570-253-4817
7 Lake Avenue, Box 339
Montrose, PA 18801
570-278-3338, 800-982-4045
FAX 570-278-1889
UNION COUNTY
Lycoming-Clinton County STEP
2138 Lincoln Street, PO Box 1328
Williamsport, PA 17703
570-326-0587
FAX 570-322-2197
CCCS of Western Pennsylvania, Inc.
217 East Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
CCCS of Northeastern Pennsylvania
31 W. Market Street, PO Box 1 127
Wilkes-Barre, PA 18702
570-821-0837,800-922-9537
FAX 570-821-1785
1400 Abington Executive Park, Suite 1
Clarks Summitt, PA 18411
570-587-9163,800-922-9537
FAX 570-587-9134/9135
201 Basin Street
Williamsport, PA 17703
570-323-6627
FAX 570-323-6626
WARREN COUNTY
Booker T. Washington Center
1720 Holland Street
Erie, PA 16503
814-453-5744
FAX 814-453-5749
Greater Erie CAC
18 West 9`h Street
Erie, PA 16501
814459-4581
FAX 814-456-0161
Warren-Forrest Counties EOC
1209 Pennsylvania Avenue, West
PO Box 547
Warren, PA 16365
814-726-2400
FAX 814-723-0510
WASHINGTON COUNTY
Action Housing, Inc.
425 6`h Avenue, Suite 950
Pittsburgh, PA 15219
412-391-1956,412-281-2102
FAX 412-391-4512
CCCS of Western PA, Inc.
1 North Gate Square.
2 Garden Center Drive
Greensburg, PA 15601
724-838-1290
Housing Opportunities, Inc.
133 Seventh Street
McKeesport, PA 15132
412-664-1590
FAX 412-664-0873
Credit Counselors of PA
401 Wood Street, Suite 906
Pittsburgh, PA 15222
412-338-9954,800-737-2933
FAX 412-338-9963
Community Action Southwest
22 West High Street
Waynesburg, PA 15370
724-852-2893
53 N. College Street
Washington, PA 15301
724-222-8292
VENANGO COUNTY
GreiRFErie Community Action Committee
18 West 9'h Street
Erie, PA 16501
814-459-4581
FAX 814-456-0161
CCCS of Western Pennsylvania, Inc.
339 N. Washington Street, YMCA Bldg.
Butler, PA 16001
412-282-7812
Mon-ValleX Unemployed Committee
120 East 9' Ayerp C - ..
Homestead, PA 15120
412-462-9962
FAX 412-462-9964
WAYNE COUNTY
CCCS of Northeastern PA
1400 Abington Executive Park, Suite 1
Clarks Summitt, PA 18411
570-587-9163,800-922-9537
FAX 570-587-9134/9135
31'Vest Market Street
es-Barre, PA 18702
(SrJ-821-0837,800-922-9537
FAX 570-821-1785
The Trehab of NE PA
185 Elmira Street, PO Box 218
Troy, PA 16947
570-297-2101
FAX 570-297-2799
17 Crafton Street --
Wellsboro, PA 16901
570-724-5252
FAX 570-724-5783
103 Warren Street, PO Box 709
Tunkhannock, PA 18657
570-836-6840
FAX 570-836-6332
German Street, PO Box 389
Dushore, PA 18614
570-928-9668
FAX 570-928-8144
931 Main Street
Honesdale, PA 18431
570-253-8941
FAX 570-253-4817
WESTMORELAND COUNTY
Action Housing, Inc.
425 04 Avenue, Suite 950
Pittsburgh, PA 15219
412-391-1956,412-281-2102
Community Action Southwest
22 West High Street
Waynesburg, PA 15370
724-852-2893
CCCS of Western PA, Inc.
I North Gate Square
2 Garden Center Drive
Greensburg, PA 15601
724-838-1290
Housing Opportunities, Inc.
133 Seventh Street
McKeesport, PA 15132
412-664-1590
FAX 412-664-0873
Keystone Economic-Devel: Corporation-
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Tableland Services Inc.
535 East Main Street
Somerset, PA 15501
814-445-9628,800-452-0148
FAX 814-443-3690
John P. Kennedy Center, Inc. 199 Edison Street
2021 East 20'h Street 9 South 7'h Street Uniontown, PA 15401
Erie, PA 16510 Stroudsburg, PA 18360 724-439-8939
814-898-0400, FAX 814-898-1243 570-420-8980, FAX 570-420-8981
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
l
Date of Notice: October 29, 2007
PAUL A MATTUS
514 PARTRIDGE COURT
MECHANICSBURG PA 17055
Loan #0356120928
This is an official notice that the wort a e on our home is in default and the lender intends to
foreclose. S ecific information about the nature of the default is rovided in the attached pages.
to
!,JM 01
save your home This Notice explains how the pro ram works:
To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING
AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with -you when
you meet with the Counseling Agenc
The name address and hone number of Consumer Credit Counselin A encies serving our
County are listed at the end of this Notice. If ou have an uestions ou may call the Penns lvanil
un»cina Finance Aeenc toll free at 1-80)-342- 2397.(Persons with im aired hearing can call 717
780-1869).
This Notice contains important le al information. If ou have an uestions re resentatives at the
Consumer Credit Counseling Agency ma 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. AFECTA LA NOTIFICACION EN ADJUNTO ES DE SUMO SApO N0 COMPRENDE EL CONTENH)O
DERECHO A CONTINUAR VIVIENDO EN
DE ESTA NOTIFICACION OBTENGAUNATRAD SCE AGENCY) SIN CARGOS AL ANDO
ESTA AGENCIA. (PENNSYLVANIA HOUSING NUMERO MENCIONADO ARRIBA• PUEDES SER ELEGIBLE PARA UN PRESTAMO FOR
EL PROGRAM LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE
PROGRAM" EL-CUAL-PUEDE SALVAR -SU-CASAi DE-LA PERDIDA*DEL DERECHO A
REDIMIR SU HIPOTECA.
HOMEOWNER'S NAME(S): PAUL A MATTUS
PROPERTY ADDRESS: 514 PARTRIDGE COURT
MECHANICSBURG PA 17055
LOAN ACCT. NO.: 0356120928
CURRENT LENDER/SERVICER: Sovereign Bank
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
• IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND
YOUR CONTROL,
• IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY
YOUR MORTGAGE PAYMENTS, AND
• IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED
BY THE PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure
on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a
"face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS
MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY
MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS
NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR
MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling
agencies listed at the end of this notice, the-lender may NOT take action against you for thirty (30) days after the
date of this meeting. The names; addresses and telephone numbers of designated consumer credit counseling
agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to
schedule one face-to-face meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later
in this Notice (see following pages for specific information about the nature of your default.) If you have tried and
are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the
Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed
Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling
agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the
program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency.
Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY
PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATIONFOR MORTGAGE
ASSISTANCE WILL -BE-D-EN-IED.-
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 filed bankruptcy you can still apply for Emergency Mortgage Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date).
NATURE OF THE DEFAULT --The MORTGAGE held by Sovereign Bank (hereinafter we, us, or ours) on your
property located at 514 PARTRIDGE COURT, MECHANICSBURG PA 17055, IS SERIOUSLY IN
DEFAULT because YOU HAVE NOT MADE THE MONTHLY PAYMENTS of $2172.94 since 07/01/07 to the
present. The total amount now required to cure this default, or in-?5ther words, get caught up in your payments, as of
the date of this letter, is $9216.76. The total amount includes late charges and any other charges that have accrued
to this date. If you disagree with the assertion that a default has occurred or the correctness of the calculated amount
required to cure the default, contact:
SOVEREIGN BANK OVERNIGHT DELIVERY:
MORTGAGE COLLECTIONS DEPARTMENT
PO BOX 8627 OR 601 PENN STREET
READING PA 19603 READING, PA. 19601
1-800-753-7366
HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (30) DAYS of the date of this
notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $9216.76, PLUS
ANY MORTGAGE.PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)
DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made
arable to Sovereign Bank and sent to the above address.
IF YOU DO NOT CURE THE DEFAULT-If you do not cure the default within THIRTY (30) DAYS of the
date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the
entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the
mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30)
DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged
property.
IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off
the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender
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 attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be
added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default
within the THIRTY (30) DAY period, you will not be required to pay attorney's fees.
OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all
other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within
the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default
and prevent the sale at anv_ time up to one hour before the Sheriff's 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 ai7Y otliet_costs connected with the Sheriff s_Sale as specifieain wFi(ine by the lender ana by
performing any other requirements under the mortgage. Curing your default in the manner set forth in this
notice will restore your mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale
of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A
notice of the 'actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to
cure the default will increase the longer you wait. You may find out at any time exactly what the required payment
or action will be by contacting the lender.
1
HOW TO CONTACT THE LENDER:
Name of Lender:. SOVEREIGN BANK
Address: PO BOX 8627, READING PA 19603
Phone Number:- 1-800-753-7366
Fax Number: 1-800-881-9334
Contact Person: Constance M. Cocroft, Vice President
EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the
mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a
lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE - You may have the right to sell or transfer your home to a buyer or transferee
who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and
costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO
CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.)
TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR
ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS,
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE
LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (SEE ENCLOSURE)
You may contact our Mortgage Services Department via E-mail at:
MORTSERV@SOVEREIGNBANK.COM
This bank is a debt collector attempting to collect a debt and any information obtained from you will be used for that
purpose.
HOUSING AND URBAN DEVELOPMENT ("HUD") NOTIFICATION
IMPORTANT NOTICE OF THE HOUSING AND COMMUNITY DEVELOPMENT ACT OF 1987
PLEASE READ THIS NOTICE. HOMEOWNERSHIP COUNSELING MAY BE AVAILABLE TO YOU.
DATE: October 29, 2007
TO: PAUL A MATTUS
RE: Account No. 0356120928
FROM: Sovereign Bank
The Housing and Corrununity Development Act of 1987 requires that Sovereign Bank notify eligible homeowners with delinquent
home loans of the availability of homeownership counseling. Because your home loan is DELINQUENT, you may be eligible for
homeownership counseling provided by certain non-profit organizations.
PLEASE CALL THE HUD TOLL FREE NUMBER AT
1-800-569-4287
FOR MORE INFORMATION.
If you have any questions about your home loan you may call or write to Sovereign Bank at:
MORTGAGE COLLECTIONS DEPARTMENT
SOVEREIGN BANK_
PO BOX 8627
READING PA 19603
1-800-753-7366
Constance M. Cocrofl.
Vice President
PF. NSYLVANIA HOUSING FINANCE AGE Y
HOMEOWN(('`' 's EMERGENCY MORTGAGE ASSISTA(C- , ; PROGRAM
C.RlSUMER CREDIT COUNSELING AGENCIES
ADAMS COUNTY ARMSTRONG COUNTY
American Red Cross - Hanover Chapter CCCS of Westem PA, Inc.
529 Carlisle Street 217 East Plank Road
Hanover, PA 17331 Altoona, PA 16602
717-637-3768 814-944-8100,814-944-5747
FAX 717-637-3294
Financial Counseling Services of Franklin
31 West 3'd Street
Waynesboro, PA 17268
717-762-3285
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102 .
717-541-1757
717-541-4670
Adams County Housing Authority
139-143 Carlisle Street
Gettysburg, PA 17325
717-334-1518, FAX 717-334-8326
ALLEGHENY COUNTY
Pennsylvania Housing Finance Agency
2275 Swallow Hill Road, Bldg. 200
Pittsburgh, PA 15220
412-429-2842, FAX 412-429-2835
Action Housing Inc.
425 6'h Avenue, Suite 950
Pittsburgh, PA 15219
412-391-1956,412-281-2102,
800-792-2801, FAX 412-391-4512
CCCS of Western PA, Inc.
309 Smithfield Street
Pittsburgh, PA 15222
412-471-7584
Urban League of Pittsburgh
Bldg. for Equal Opportunity
One Smithfield Street
Pittsburgh, PA 15222
412-227-4802, FAX 412-261-5207
Mon-Valley Unemployed Committee
120 E. 9'h Avenue
Homestead, PA 15120
412-462-9962
Credit Counselors of PA
401 Wood Street; Suite 906
Pittsburgh, PA 15222
412-338-9954,800-737-2933
FAX 412-338-9963
Community Action Southwest
22 West High Street
Waynesburg, PA 15370
724-852-2893
Housing Opportunities
133 Seventh Street, PO Box 9
McKeesport, PA 15132
412-664-1906
FAX 412-664-0873
Credit Counselors of PA
401 Wood Street Suite 906
Pittsburgh, PA 15222
412-338-9954,800-737-2933
FAX 412-338-9963
Indiana Co. Community Action Program
827 Water Street, Box 187
Indiana, PA 15701
724-465-2657
FAX 724-465-5118
BEAVER COUNTY
Action Housing, Inc.
4256 1h Avenue, Suite 950
Pittsburgh, PA 15219
412-391-1956
FAX 412-391-4512
Housing Opportunities of Beaver Co, Inc.
650 Corporation Street, Suite 207
Beaver; PA 15009
724-723-7511
Credit Counselors of PA
401 Wood Street, Suite 906
Pittsburgh, PA 15222
412-338-9954,800-737-2933
FAX 412-338-9963
CCCS of Western PA, Inc.
971 3rd Street
Beaver, PA 150.09
724-774-0798
Mon-Valley Unemployed Committee
120 E. 9'1' Avenue
Homestead, PA 15120
412-462-9964,412-462-9962
Housing Opportunities, Inc.
133 7'h Street, PO Box 9
McKeesport, PA 15134
412-664-1906 FAX 412-664-0873
BEDFORD COUNTY
Bedford -Fulton Housing Services
10241 Lincoln Highway
Everett, PA 15537
814-623-9129 FAX 814-623-7187
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
CCCS of Western PA, Inc.
217 E. Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
Tableland Services, Inc.
535 East Main Street
Somerset, PA 15501
814-445-9628,800-452-0148
FAX 814-443-3690
BERKS COUNTY
Budget Counseling Center
247 North Fifth Street
Reading, PA 19601
610-375-7866
FAX 610-375-7830
EOC of Schuylkill County
225 N. Centre Street
Pottsville, PA 17901
717-622-1995
FAX 717-622-0429
CCCS Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610-821-4011, 800-220-2733 (814) only
FAX 610-821-8932
Community Housing Counselors, Inc.
PO Box 244
Kennett Square, PA 19348
610-444-3682
FAX 610-444-8243
BLAIR COUNTY
Bedford-Fulton Housing Services
RD I Box 384
Everett, PA 15537
814-623-9129
FAX 814-623-7187
CCCS of Western PA, Inc.
217 East Plank Road
Altoona, PA 16602
814-944-8100,814-944-5747
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1688
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
CARBON COUNTY
EOC of Schuylkill County
225 North Center Street
Pottsville, PA 17901
570-622-1995
FAX 570-622-0429
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610-821-4011, 800-220-2733
7) 7 and 8) 4 only for 800
FAX 610-821-0137
CCCS of Northeastern PA
1400 Abington Executive Park, Suite I
Clarks Summitt, PA 18411
570-587-9163,800-922-9537
FAX 570-587-9134/9135
CCCS of Northeastern PA
31 W Market Street
Wilkes-Barre, PA 18702
570-821-0837,800-922-9537
FAX 570-821-1785
CCCS of Northeastern PA
9 South Th Street
Stroudsburg, PA 18360
570-420-8980,800-922-9537
FAX 570-420-8981
CCCS of Northeastern PA
1631 S Atherton Street, Suite 100
State College, PA 16801
814-238-3668
FAX 814-238-3669
CEO of Luzenre County
163 Amber Lane
Wilkes-Barre, PA 18702
570-826-0510,800-822-0359
FAX 570-829-1665 - CALL FIRST
570-455-4994 Hazleton
FAX 570-455-5631 - CALLFIRST
570-836-4090 Tunkhannock
CENTRE COUNTY
CCCS of Western PA, Inc.
217 East Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
CHESTER COUNTY
~~ Acorn Housing Corporation
846 North Broad Street
Philadelphia, PA 19130
215-765-1221
FAX 215-765-1427
Budget Counseling Center
247 North Fifth Street
Reading, PA 19601
610-375-7866
FAX 215-375-7830
RACE
167 W. Allegheny Avenue, 2nd Floor
Philadelphia, PA 19140
215-426-8025
FAX 215-426-9122
Media Fellowship House
302 S. Jackson Street
Media, PA 19063
6) 0-565-0846
FAX 610-565-8567
Tabor Community Services, Inc.
439 East King Street
Lancaster, PA 17602
717-397-5182,800-788-5062(H
FAX 717-399-4127
American Red Cross of Chester
1729 Edgemont Avenue
Chester, PA 19013
610-874-1484
Northwest Counseling Services
5001 N. Broad Street
Philadelphia, PA 19141
2 ] 5-324-7500
FAX 215-324-8753
CCCS of Delaware Valley
1515 Market Street, Suite 1325
Philadelphia, PA 19107
215-563-5665
FAX 215-563-7020
As-°rican CC]
:oaten Street
Coatesville, PA 19320
888-212-6741
American CCi
144 E Dekalb Pike
King of Prussia, PA 19406
610-971-2210
FAX 610-265-4814
American CCI
755 York Road, Suite 183
Warminster, PA 18974
215-444-9429
FAX 215-956-6344
CLARION COUNTY
CCCS of Western Pennsylvania, Inc.
YMCA Building, 339 N Washington Street
Butler, PA 16001
412-282-7812
CLEARFIELD COUNTY
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
0. only) FAX 8)4-539-1688
Community Housing Counseling Inc.
PO Box 244
Kennett Square, PA 19348
610-444-3682
FAX 610-444-8243
Lycoming-Clinton Co STEP Philadelphia Council for Community Adv.
- - -
2138 Lincoln _Street. PO-Box 1328_ 1-00 North_17" Street-Suite 600
Williamsport, PA 17703 Philadelphia, PA 19103
570-326-0587 215-567-7803
FAX 570-322-2197 FAX 215-963-9941
CCCS of Northeastern PA
1631 S Atherton Street, Suite 100
State College, PA 16801
814-238-3668
FAX 814-238-3669
CDC of Frankford Group Ministry
4620 Griscom Street
Philadelphia, PA 19124
215-744-2990
FAX 215-744-2012
Indiana Co. CAP
827 Water Street, Box 187
Indiana, PA 15701
724-465-2657
FAX 724-465-5118
CCCS of Western PA, Inc.
217 E Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
CCCS of Northeastern PA
1631 S Atherton Street, Suite 100
State College, PA 16801
814-238-3668
FAX 814-238-3669
CCCS of Western PA
219-A College Park Plaza
Johnstown, PA 15904
814-539-6335
CLINTON COUNTY
Lycoming-Clinton-Counties-STEP- -
2138 Lincoln Street, PO Box 1328
Williamsport, PA 17703
570-326-0587
FAX 570-322-2197
CCCS of Northeastern PA
201 Basin Street
Williamsport, PA 17703
570-323-6627
FAX 570-323-6626
CCCS of Northeastern PA CCCS of Delaware Valley
201 Basis Street Marshall Building 1631 S Atherton Street, Suite 100
Williamsport, PA 17703 790 E Market Street, Suite 215 State College, PA 16801
570-323-6627 West Chester, PA 19382 814-238-3668
FAX 570-323-6626 215-563-5665 FAX 814-238-3669
FAYETTE COUNTY
Action-Housing Inc.
415 6" Avenue, Suite 950
Pittsourgh, PA 15219
412-391-1956,412-281-2102
FAX 412-391-4512
Mon Valle Unemployed Committee
120 East 9' Avenue
Homestead, PA 15120
412-462-9962
Tableland Services, Inc
131 North Center Avenue
Somerset, Pa 15501
814-445-9628
FAX 814-443-3690
CCCS of Western PA, Inc
I North Gate Square
2 Garden Center Drive
Greensburg, PA 15601
724-838-1290
Community Action Southwest
22 West High Street
Waynesburg, PA 15370
724-852-2893
Fayette Co Community Action Agency
137 North Beeson Avenue
Uniontown, PA 15401
724-437-6050, 800-427-INFO
FAX 724-437-4418
CCCS of Western PA
199 Edison Street
Uniontown, Pa 15401
724-439-8939
FOREST COUNTY
Warren-Forest CEOC
204 Liberty Street, PO Box 547
Warren, PA 16365
814-726-2400
FAX 814-723-0510
FRANKLIN COUNTY
Adams County Housing Authority
139-143 Carlisle Street
Gettysburg, PA 17325
717-334-1518
FAX 717-334-8326
CCCS of Western PA
2000 Linglestown RQad_
Harrisburg, PA 17102
717-541-1757
FAX 717-541-4670
Financial Services Unlimited N.'.'NTINGDON COUNTY
`31 West 3rd Street ( ird-Fulton Housing Services
Waynesboro, PA 17268 Rij?, Box 384
717-762-3285 Everett, PA 15537
814-623-9129
CCCS of Western PA, Inc. FAX 814-623-7187
912 South George Street
York, PA 17403 Weatherization Office
717-8464176 917 Mifflin Street
Huntingdon, PA 16652
YWCA of Carlisle 814-643-2343
301 G Street
Carlisle, PA 17013 CCCS of Western PA, Inc.
717-243-3818 217 E. Plank Road
FAX 717-243-3948 Altoona, PA 16602
814-944-8100
American Red Cross-Hanover Chapter FAX 814-944-5747
529 Carlisle Street
Hanover, PA 17331 INDIANA COUNTY
717-637-3768 CCCS OFWestern PA, Inc.
FAX 717-637-3294 1 North Gate Square
2 Garden Center Drive
FULTON COUNTY Greensburg, PA 15601
Bedford-Fulton Housing Services 724-838-1290
RD 1, Box 384
Everett, PA 15537 Keystone Economic Development Corp.
814-623-9129 1954 Mary Grace Lane
FAX 814-323-7187 Johnstown, PA 15901
814-535-6556
CCCS of Western PA, Inc. FAX 814-539-1688
912 South George Street
York, PA 17403 Indiana County CAP
717-8464)76 827 Water Street, PO Box 187
Indiana, PA 15701
Financial Counseling Services of Franklin 724-465-2657
31 West 3rd Street FAX 724465-5118
Waynesboro, PA 17268
717-762-3285 CCCS of Western PA
219-A College Park Plaza
Weatherization Office Johnstown, PA 15904
917 Mifflin Street 814-539-6335
Huntingdon, PA 16652
814-643-2343 JEFFERSON COUNTY
John F. Kennedy Center, Inc.
GREENE COUNTY 2021 East 20'" Street
Action Housing, Inc. Erie, PA 16510
425 6'" Avenue, Suite 950 814-898-0400
Pittsburgh, PA 15219 FAX 814-898-1243
412-391-1956,412-281-2102
FAX 412-3914512 Indiana County CAP
827 Water Street, Box 187
Community Action Southwest Indiana, PA 15701
22 West High Street 724-465-2657
Waynesburg, PA 15370 FAX 724-465-5118
724-852-2893
FAX ?24.627-77.13 - - - -- -- - - -- - - - - - - - GGCS of Western-PA; Inc. . .
YMCA Building, 339 North Washington Street
Mon-Valle Unemployed Committee Butler, PA 16001
120 East 9' Avenue 724-282-7812
Urban League of Metropolitan Harrisburg
2107 N 0" Street
Harrisburg, PA 17101
717-234-5925
FAX 717-234-9459
CAC of the Capital Region
1514 Derry Street
Harrisburg, PA 17104
717-232-9757
FAX 717-234-2227
Homestead, PA 15120
412-462-9962
FAX 412-462-9964
CCCS of Western PA, Inc.
1 North Gate Square
2 Garden Center Drive
Greensburg, PA 15601
724-838-1290
JUNIATA COUNTY
CCCS of Western PA, Inc.
217 E. Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
Northwest Counseling Service NORTHUMBERLAND
- T'_ hwest Counseling Service
5001 N. Broad Street ';CCS of Northeastern PA
( `N Broad Street
Philadelphia, PA 19141 31 W Market Street, PO Box 1127 Phttadelphia, PA 19141
21S-324-7500 Wilkes-Barre, PA 18702 215-324-7500
FAX 215-324-8753 570-821-0837,800-922-9537 FAX 215-324-8753
FAX 570-82)-1785
Community Action Development Comm CCCS of Delaware Valley
113 East Main Street CCCS of Northeastern PA 1515 Market Street, Suite 1325
Norristown, PA 19401 1400 Abington Executive Park, Suite I Philadelphia, PA 19107
610-277-6363 Clarks Summitt, PA 18411 215-563-5665
FAX 610-277-2123 570-587-9163,•800-922-9537 FAX 215-864-2666
FAX 570-587-9134/9135
Community Housing Counselors Inc. HACE
PO Box 244 CCCS of Northeastern PA 167 W Allegheny, 2nd floor
Kennett Square, PA 19348 201 Basin Street Philadelphia, PA 19140
215-444-3682 Williamsport, PA 17703 215-426-8025
FAX 215-444-8243 570-323-6627 FAX 215426-9122
FAX 570-323-6626
Media Fellowship House Media Fellowship House
302 S. Jackson Street EOC of Schuylkill County 302 S Jackson Street
Media, PA 19063 225 North Centre Street Media., PA 19063
610-565-0846 Pottsville, PA 17901 610-565-0846
FAX 610-565-8567 570-622-1995 FAX 610-565-8567
FAX 570-622-0429
American Credit Counseling Institute PCCA
845 Coates Street PERRY COUNTY 100 N 17'h Street, Suite 500
Coatesville, PA 19320 CCCS of Western PA, Inc. Philadelphia, PA 19103
888-212-6741 2000 Linglestown Road 215-567-7803
Harrisburg, PA 17102 FAX 215-963-9941
Phila. Council For Community Advmnt 717-541-1757
100 North 17'h Street Suite 600 FAX 717-541-4670 CCCS of DelawareValley
Philadelphia, PA 19103 One Cherry Hill, Suite 215
215-567-7803 Urban league of Metro Harrisburg Cherry Hill, NJ 08002
FAX 215-963-9941 2107 North 6'h Street 215-563-5665
Harrisburg, PA 17101
American Credit Counseling Institute 717-234-5925 Housing Assoc. of Delaware Valley
144 E Dekalb Pike FAX 717-234-9459 1500 Walnut Street, Suite 501
King of Prussia, PA 19406 Philadelphia, PA 19102
610-971-2210 YWCA of Carlisle 215-545-6010
FAX 610-265-4814 301 G Street FAX 215-790-9132
Carlisle, PA 17013
American Credit Counseling Institute 717-243-3818 Housing Assoc. of Delaware Valley
755 York Road, Suite 103 FAX 717-243-3948 658 North Watts Street
Warminster, PA 18974 Philadelphia,PA 19123
215-444-9429 Financial Counseling Services of Franklin 215-978-0224
FAX 215-956-6344 31 West 3`d Street FAX 215-765-7614
Waynesboro, PA 17268
MONTOUR COUNTY 717-762-3285 Community Devel. Corp of Frankford
CCCS of Northeastern PA Group Ministry
31 W. Market Street, PO Box 1127 Weatherization Office 4620 Griscom Street
Wilkes-Barre, PA 18702 917 Mifflin Street Philadelphia, PA 19124,
570- 821-0837, 800-922-9537 Huntingdon, PA 16652 215-744-2990
FAX 570-821-1785 814-643-2343 FAX 215-744-2012
CCCS of Northeastern PA CAC of the Capital Region American Credit Counseling Institute
1400 Abington Executive Park, Suite-1 _ _ _ _ _ ..151st-DerryStreet - - - - - - 845 Coates Street
Clarks Summitt, PA 18411 Harrisburg, PA 17104 Coatesville, PA 19320
570-587-9163,800-922-9537 717-232-9757 888-212-6741
FAX 570-587-9134/9135 FAX 717-234-2227
NORTHHAMPTON COUNTY
CCCS of Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610-821-4011
800-220-2733 (717) and (814) ONLY
FAX 610-821-8932
PHILADELPHIA COUNTY
Acorn Housing Corporation
846 North Broad Street
Philadelphia, PA 19130
215-765-1221
FAX 215-765-1427
American Credit Counseling Institute
144 E Dekalb Pike
King of Prussia, PA 19406
610-971-2210
FAX 610-265-4814
American Credit Counseling Institute
755 York Road, suite 103
Warminster, PA 18974
215-444-9429
FAX 215-956-6344
17 Cr$tlon Street WARREN COUNTY 3'-;'est Market Street
V
" Wellsboro, PA 16901 ( 3ooker T. Washington Center 1
1's-Barre, PA 18702
570-724-5252 1720 Holland Street 570-821-0837, 800-922-9537
FAX S70-724-5783 Erie, PA 16503 FAX 570-821-1785
814-453-5744
103 Warren Street, PO Box 709 FAX 814-453-5749 The Trehab of NE PA
Tunkhannock, PA 18657
570-836-6840
Greater Erie CAC
185 Elmira Street, PO Box 218
FAX 570-836-6332 18 West 9'h Street Troy, PA 16947
Erie, PA 16501 570-297-2101
German Street, PO Box 389 814-4594581 FAX 570-297-2799
Dushore, PA 18614 FAX 814-456-0161
-?
570-928-9668 17 Grafton Street
FAX 570-928-8144 Warren-Forrest Counties EOC Wellsboro, PA 16901
1209 Pennsylvania Avenue, West 570424-5252
931 Main Street PO Box 547 FAX 570-724-5783
Honesdale, PA 18431. Warren, PA 16365
570-253-8941 814-726-2400 103 Warren Street, PO Box 709
FAX 570-253-4817 FAX 814-723-0510 Tunkhannock, PA 18657
570-836-6840
7 Lake Avenue, Box 339 WASHINGTON COUNTY FAX 570-836-6332
Montrose, PA 18801 Action Housing, Inc.
570-278-3338, 800-982-4045 425 6'h Avenue, Suite 950 German Street, PO Box 389
FAX 570-278-1889 Pittsburgh, PA 15219 Dushore, PA 18614
412-391-1956,412-281-2102 570-928-9668
UNION COUNTY FAX 412-3914512 FAX 570-928-8144
Lycoming-Clinton County STEP
2138 Lincoln Street, PO Box 1328 CCCS of Western PA, Inc. 931 Main Street
Williamsport, PA 17703 1 North Gate Square Honesdale, PA 18431
570-326-0587 2 Garden Center Drive 570-253-8941
FAX 570-322-2197 Greensburg, PA 15601 FAX 570-2534817
724-838-1290
CCCS of Western Pennsylvania, Inc. WESTMORELAND COUNTY
217 East Plank Road Housing Opportunities, Inc. Action Housing, Inc-
Altoona, PA 16602 133 Seventh Street 425 6'h Avenue, Suite 950
814-944-8100 McKeesport, PA 15132 Pittsburgh, PA 15219
FAX 814-944-5747 412-664-1590 412-391-1956,412-281-2102
FAX 412-664-0873
CCCS of Northeastern Pennsylvania Community Action Southwest
Credit Counselors of PA 22 West High Street
31 W. Market Street, PO Box 1127 401 Wood Street, Suite 906 Waynesburg, PA 15370
Wilkes-Barre, PA 18702 Pittsburgh, PA 15222 724-852-2893
570-821-0837,800-922-9537 412-338-9954,800-737-2933
FAX 570-821-1785 FAX 412-338-9963 CCCS of Westem PA, litc.
1 North Gate Square
1400 Abington Executive Park, Suite 1 Community Action Southwest 2 Garden Center Drive
Clarks Summitt, PA 18411 22 West High Street Greensburg, PA 15601
570-587-9163,800-922-9537 Waynesburg, PA 15370 724-838-1290
FAX 570-587-9134/9135 724-852-2893
Housing Opportunities, Inc.
201 Basin Street 53 N. College Street 133 Seventh Street
Williamsport, PA 17703 Washington, PA 15301 McKeesport, PA 15132
570-323-6627 724-222-8292 412-664-1590
FAX 570-323-6626 FAX 412-664-0873
Mon-Valley Unemployed Committee
._V-ENANGO_CO_UN.T_Y - - - - - - - 120-East 9' Avenue - Keystone Economic Devel. C6r?sorgtitin
Greater Erie Community Action Committee Homestead, PA 15120 1954 Mary Grace Lane
18 West 91h Street 412-462-9962 Johnstown, PA 15901
Erie, PA 16501 FAX 412-462-9964 814-535-6556
814-4594581 FAX 814-539-1688
FAX 814456-0161 WAYNE COUNTY
CCCS of Northeastern PA Tableland Services Inc.
CCCS of Western Pennsylvania, Inc. 535 East Main Street
339 N. Washington Street, YMCA Bldg. 1400 Abington Executive Park, Suite 1 Somerset, PA 15501
Butler, PA 16001 Clarks Summitt, PA 18411 814-445-9628, 800452-0148
412-282-7812 570-587-9163,800-922-9537 FAX 814-443-3690
FAX 570-587-9134/9135 _
John F. Kennedy Center, Inc. 199 Edison Street
2021 East 20h Street 9 South 7'h Street Uniontown, PA 15401
Erie, PA 16510 Stroudsburg, PA 18360 724-439-8939
814-898-0400, FAX 814-898-1243 -570-420-8980, FAX 570-420-8981
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AFFIDAVIT OF MAILING ACT 91 NOTICE
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF BERKS
Constance M. Cocroft, being duly sworn according to law,
deposes and says that she is Vice President of Asset
Recovery of Sovereign Bank, suc`Re-ssor to Penn Savings Bank,
Plaintiff herein, and that on 2-00-7 she
mailed the Notice pursuant to the .Homeowners' Emergency
Mortgage Assistance Act of 1983, copies of which are
attached here to, - ! , to the within
Defendants,
that the required period of time
has elapsed since mailing of said Notice; and that the
Plaintiff has received no response from the Defendants, or
from any consumer credit counseling agency with regard to
the Homeowner's Emergency Mortgage Assistance Act.
Constance M. Cocroft
Vice President
Sworn to and subscribed before me this 't(ih day
Mlt 1(1 `_ 200!
?Notar %bic
Y
COMM0 LT i OF f SY YAN
No!aria! ^ot,l
Shannon M. Sht gar, iVotaty Public
Oly of Headi , Barks County
My Commission Expires Oct. 4, 2009
Member, Pennsylvania Assotliatian of Notaries
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SOVEREIGN BANK, IN THE COURT OF COMMON PLEAS OF
Plaintiff, CUMBERLAND COUNTY, PENNSYLVANIA
NO. 08-1551 Civil Term
Civil Division
VS.
PAUL A. MATTUS,
(MORTGAGOR AND REAL OWNER),
PAMELA S. MATTUS (RECORD OWNER):
THE UNITED STATES OF AMERICA
C/o ATTORNEY GENERAL, DEPT. OF :
JUSTICE,
Defendant .
ENTRY OF APPEARANCE AS LOCAL COUNSEL
Dear Sir:
I hereby enter my appearance as local counsel, in conjunction
with Pluese, Becker & Saltzman, LLC, for the limited purpose of
representing the Plaintiff at Oral Argument on Plaintiff's Motion
for Summary. ,
Date: August 18, 2008
ha
Dale F. to-
Ofirt
Supreme C 10 West High
Carlisle, PA
(717) 241-4311
r Jae' .
D. 19373
reet
L7013
CC: Defendants:
Paul A. Mattus and Pamela S. Mattus
Robert F. Thomas, Esquire, Plaintiff's attorney
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PRAECIPE FOR LISTING CASE FOR ARGUMENT
(Must be typewritten and submitted in duplicate)
TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the next
Argument Court.)
- - - --- - --------- - -- - - -- - ---------- - ------ - ---------- - ----- - -------
CAPTION OF CASE
(entire caption must be stated in full)
SOVEREIGN BANK
PAUL A. MATTUS (MOffGAGOR AND RECORD
OWNER), PAMELA S. MATTUS (RECORD OWNER)
AND THE UNITED STATES OF AMERICA,
c/o ATTORNEY GENERAL DEPARTMENT OF No 08-1551 Civil Term
JUSTICE
1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to
complaint, etc.):
Plaintiff's Motion for Summary Judgment
2. Identify all counsel who will argue cases:
(a) for plaintiffs:
Dale F. Shughart, Jr., Esquire
(Name and Address)
10 West High Street, Carlisle, PA 17013
(b) for defendants:
Paul A. or Pamela S. Mattus
(N?me an$Adir
514 Partridge Court, Mechanics urg, A ??
3. 1 will notify all parties in writing within two days that this case has been listed for
argument.
4. Arqume?t2Co? -te:
October ,
Signature
Dale F. Shughart, r.
Print your name
Plaintiff
August 18, 2008 Attorney for
Date:
INSTRUCTIONS:
1. Two copies of all briefs must be filed with the COURT ADMINISTRATOR
(not the Prothonotary) before argument.
2. The moving party shall file and serve their brief 12 days prior to argument.
3. The responding party shall file their brief 5 days prior to argument.
4. If argument is continued new briefs must be filed with the COURT
ADMINISTRATOR (not the Prothonotary) after the case Is rellsted.
C"J ?.?, - =rt
.7
David -D. Buell
Prothonotary
OfJ Ce -of the <1'rothonotary
Cum6erfancf County, cTennsylvania
r&S. Sohonage, T SQ
Solicitor
L1
—/SS/ CIVIL TERM
ORDER OF TERMINATION OF COURT CASES
AND NOW THIS 28TH DAY OF OCTOBER, 2014, AFTER MAILING NOTICE OF
INTENTION TO PROCEED AND RECEIVING NO RESPONSE —THE ABOVE
CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH
PA R.C.P.230.2.
BY THE COURT,
DAVID D. BUELL
PROTHONOTARY
One Courthouse Square ® Suite100 ®Carlisle, P.A. ® Phone 717 240-6195 0 Ea;( 717 240-6573