HomeMy WebLinkAbout04-0456
UDREN LAW OFFICES, P.C.
BY: Mark J. Udren, Esquire
ATTY I.D. NO. 04302
WOODCREST CORPORATE CENTER
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003-3620
856-482-6900
ATTORNEY FOR PLAINTIFF
Mortgage Electronic
Registration Systems, Inc.
1270 Northland Drive,
Suite 200
Mendota Heights, MN 55120
Plaintiff
.
. COURT OF COMMON PLEAS
: CIVIL DIVISION
.
: Cumberland County
v.
Charles Werner
P.O. 1016
Carlisle, PA 17013
Defendant(s)
: NO. 04 - '-/!;/e.
C'~'l.CT~
COMPLAINT IN MORTGAGE FORECLOSURE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the
claims set forth in the following pages. you must take action
within twenty (20) days after this Complaint and Notice are served,
by entering a written appearance personally or by attorney and
filing in writing with the Court your defenses or objections to the
claims set forth against you. You are warned that if you fail to
do so the case may proceed without you and a judgment may be
entered against you by the Court without further notice for any
money claimed in the Complaint or for any other claim or relief
requested by the Plaintiff. You may lose money or property or
other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS
OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF
YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYERS REFERRAL SERVICE
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, FA 17013
717-249-3166
800-990-9108
AVISO
Le han demandado a usted en la corte. Si usted quiere defenderse
de estas demandas expuestas en las paginas siguientes, usted tiene
veinte (20) dias de plazo al partir de la fecha de la demanda y la
notificacion. Race falta ascentar una comparencia escrita 0 en
persona 0 con un abogado y entregar a la corte en forma escrita sus
defensas 0 sus objeciones alas demandas en contra de su persona.
Sea avisado que si usted no se dafiende, la corte tomara medidas y
puede continuar la demanda en contra suya sin previa aviso 0
notificacion. Ademas, la corte puede decidir a favor del
demandante y requiere que usted cumpla con todas las provisiones de
esta demanda. Usted puede perder dinero 0 sus propiedades u otros
derechos importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO
o SI NO TIENE EL DlNERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN
PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE
ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR
ASISTENCIA LEGAL.
Lawyers Referral Service
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
717-249-3166
800-990-9108
NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
to whom the debt is owed is as named in the attached document. Unless you notify us within
30 days after receipt of this Notice and the attached document that the validity ofthe stated
debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify
us in writing of a dispute within the 30 day period, we will obtain verification of the debt or
a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not
an admission of liability on your part. Also, upon your written request within the 30 day
period, we will provide you with the name and address of the original creditor if different from
the current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease collection
of your debt, or any disputed portion of it, until we obtain the information that is required
and mail it to you. Once we have mailed to you the required information, we will then
continue the collection of your debt.
This law firm is deemed to be a debt collector and this Notice and the attached document is
an attempt to collect a debt, and any information obtained will be used for that purpose.
UDREN LAW OFFICES, P.C.
Isl Mark J. Udren, Esquire
Woodcrest Corporate Center
111 Woodcrest Road, Suite 200
Cherry Hill, NJ 08003-3620
(856) 482-6900
1. Plaintiff is the Corporation designated as such in the
caption on a preceding page. If Plaintiff is an assignee then it
is such by virtue of the following recorded assignments:
Assignor: N/A
Assignments of Record to:N/A
Recording Date: N/A
2. Defendant(s) is the individual designated as such on the
caption on a preceding page, whose last known address is as set
forth in the caption, and unless designated otherwise, is the real
owner(s) and mortgagor(s) of the premises being foreclosed.
3. On or about the date appearing on the Mortgage
hereinafter described, at the instance and request of Defendant(s),
Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned
to the Defendant (s) the sum appearing on said Mortgage, which
Mortgage was executed and delivered to Plaintiff as security for
the indebtedness. Said Mortgage is incorporated herein by
reference in accordance with Pa.R.C.P. 1019 (g).
The information regarding the Mortgage being foreclosed is as
follows:
MORTGAGED PREMISES: 105 Frederick Avenue
MUNICIPALITY/TOWNSHIP/BOROUGH: Borough of Carlisle
COUNTY: Cumberland
DATE EXECUTED: 06/26/02
DATE RECORDED: 06/28/02 BOOK: 1763 PAGE: 2011
The legal description of the mortgaged premises is attached hereto
and made part hereof.
4. Said Mortgage is in default because the required payments
have not been made as set forth below, and by its terms, upon
breach and failure to cure said breach after notice, all sums
secured by said Mortgage, together with other charges authorized by
said Mortgage itemized below, shall be immediately due.
5. After demand, the Defendant (s) continues to fail or
refuses to comply with the terms of the Mortgage as follows:
(a) by failing or refusing to pay the installments of
principal and interest when due in the amounts indicated
below;
(b) by failing or refusing to pay other charges, if any,
indicated below.
6. The following amounts are due on the said Mortgage as of
02/02/04:
Principal of debt due
Unpaid Interest at 10.25%
from 08/01/03
to 02/02/04
(the per diem interest accruing on
this debt is $14.20 and that sum
should be added each day after
02/02/04)
Title Report
Court Costs (anticipated, excluding
Sheriff's Sale costs)
Ecrow Overdraft/(Balance)
$49,875.88
2,584.54
250.00
280.00
59.11
Late Charges
(monthly late charge of $22.58
should be added in accordance
with the terms of the note
each month after 02/02/04)
NSF Fee
112.90
10.00
(149.54)
30.00
Suspense Balance
Other Fees
Attorneys Fees (anticipated and actual
to 5% of principal)
2,493.79
TOTAL
$55,546.68
7. The attorney's fee 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
fees will be charged in
Act 6, if applicable.
8. The combined
prior to the sale, reasonable attorney's
accordance with the reduction provisions of
notice specified by the Pennsylvania
Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983
and Notice of Intention to Foreclose under Act 6 of 1974 has been
sent to each defendant, via certified and regular mail, in
accordance with the requirements of those acts, on the date
appearing on the copy attached hereto as Exhibit "A", and made part
hereof, and defendant(s) have failed to proceed within the time
limits, or have been determined ineligible, or Plaintiff has not
been notified in a timely manner of Defendant(s) eligibility.
WHEREFORE, the Plaintiff demands judgment, in rem, against
the Defendant(s) herein in the sum of $55,546.68 plus interest,
costs and attorneys fees as more fully set forth in the Complaint,
and for foreclosure and sale of the Mortgaged premises.
Mark J.
UDREN LA
Attorney
Attorney
ALL THAT CERTAIN two tracts of land with the Improvements thereon situate In
the Fourth Ward (,f the Borough of Carlisle, Cumberland County, Pennsylvan!;!,
bounded and described as follows:
TRACT OlliE:
ON the North by a ten (10) foot alley; on the East by Tract Two hereinj on
the South by a lot formerfy at Alex Bowman, now or formerly of Charles B. S~ayer; and
on the West by a 'ten (10) foot alley.
CONTAINING fifty one (51) feet, more or less, on the alley running Ea!,t and
West.
TRACT TY/O:
BEClINNING at a point on the Southem side of a private alley wl,ich runs
between West North street and West Locust Alley, parallel to said street and ;alley,
which point is at the comer of Tract One herein: thence along Tract One herein,
Southwardly, a dh;tance offorty eight (48) feet to a fence post; thence along d,e same,
Northwardly, eighteen (18) feet to a point at the Southern wall of a bricJ< gara~le now or
formerfy of Jesse B. Brown; thence along the latter, Westwardly, a distance 01' five 95)
feet to the comer of said garage; thence by the Western wall of said garage,
Northwardly, thir1J1 (30) feet to a point on the Southern side of the afonnentioned private
alley; thence along the latter, Westwardly, seventeen (17) feet to a point at thl! comer of
Tract One herein, the PLACE OF BEGINNING.
BEING improved with a dweillng known and numbered as 105 Frederic:k Avenue,
Carlisle, Pennsylvania 17013.
EXCEPTIIIIG therefrom premises which Steven C. Boyer and Debbie J. Boyer,
husband and wife, conveyed to Carlisle Area Religious Council, by deed date.:1
December 28, 20:>1 and recorded on February 29, 2002 in Record Book 250, Page
2197.
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HozIuwo,,""~".1'izI.aDda1
.A GMAC COmpaRJl
Do_ber 09. 2003
Certified Mri1. R<Illm R.coipt R<qIleOl<d
0434250049
clmrl.. Wmw
PO Box.WI6
Carlisle, PA 17Cl13
Re, Pmp<rty ,'IddI..,,, 105 Frcdcrid: A......
Cnrl..l.. PA l71.m
Lo&n Number,
D434250049
A amult<>ri5!S1ll1c1erthe """",~M~ll)o<<IorT_ 103I1$!1T<c:mml- Thcactionl<<jUircdlP""'"
llto dtfauJ! .. the _t or all,"""" due under the M~ed of Trust loon __ As of the date of
thi.letl<rllto~. _ due i. S 2.001.A0 _ Thst """ includes the Ibllowinjj,
4 jlI1}'!lIen" -.Jjng: $ 2.05&.20
!.are d"'ll"" S 61.14
(lth", r... ...diar eosts $ 25.1)(1
Unopplied l'uncls : $ 14954
The 'a'al ...,."" duo.mown .Jx>v., i. subj... '" l'urtlwr if..,..._ fur odditi(lQlJ/ monthly pIl}'lllen... I,,", dtoJge"
OIl"""'}' f<Jes. and", othet f<Je. snd co.. wlticll may become due, .!lor the dare of this .,...... To obl1lilt ." uP_
of the ",",I :noount due'" ""'" thi. dtfll111,- _... at UllIIU06.1901_
TO CURE THIS DEFAULT. se.U YOllR CASfl!ER'S ClmCK, MONEY ORDER, OR CERTIFIED
CHECK. IN '!HE !\MOUNT Of $ 1.001.40 BY J...u..... lIB. 2004 TO. '!HE fOUAJWlNG ADDRESS:
B........mlll!. FIn._~ P.O. Box 7&126 ph.....l.. IJ, lI5ll61-llQ6 OR OVERNIGHT TO: %"~ W.
Dunlap A......... Suite 100 Ph.-lx, AZ lI5O:l1-1:lldl_
If the _ is not """,d within thirt;;. (3(1) days "r tJu: msiJing ofthi.lctler. the l<r>dcr_ withoul further notioc or
demand. wiU """"leralil tIto JlIIItunty dare or llto N<>w and declare .11 sum. """"",d by lhe MoJ1l!llllO(])ood of
TIU:Il to be immedillb>ly due llnd poyabk The _ tllen iJllen... wbtwe the fll'Ollel'ly sold at . pubhe
f~ sale. Allor """"10lllti00, . curing of the dc&ult llnd ...".,....,,_ "r the I""". will b. pcrm;It<<lup '"
the 1lll1e oftbc..uo !>y jlI1}inl1 the """ '"'" moJllblypll}'!lI_ lIl1d otbor....... then due ut>der 1bo ~!Poed
ofTrus'I__cntand b)-""1IJ'I~wiIh oil"""', of~
You hare tJu: rigbt '" 1lri1i!!. 000rt IICMrI '" ...ort tIto ~ or. defi!ul! or 1lI1!o' <l/l1er M.... that "'.j'
exist to pm'CJ1t aocdrnttion and ute of the proptrt}'
TlIlS NOTICE ill SEl\l TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTIIDNESS REFERRED TO
HliRBIN ^,'lD A&');' INFORMATION OaTAIN'ED FROM YOU Wll..L as USBD fOR 11M T PTJRPOSll
Since'n:Jy,
Loon CDUl1sdi"!l D""""""",
:m.H
HOIllecomJng!i ffllOl1dol
21f I HOIfIl: tI(I$kell Aliet\itIe StJite S<<)D<utcu. lex(u ',~2l)II
<<:0206.2ro1 HomecomJng$.(iOm
EXHIBIT A
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ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR
HOME FROM FORECLOSURE
11IIll NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLl!CT '!'HE ThlDEBTIIDNIlSS REFER.RBD TO
IlERElN ,""'II) A1\;l' lNFORMATION OBTAII'<tID FROM YOU WILl. BE 1J5EDFOR TIlATPllIU'OSlJ
This is an oIlicJJ1/ dOticc that Ibe ~ en vour home is in dofaull and the I_m!cnds to farecJose. Speoific
Ipf_'loo obout the ."""" of tho d.f<wlt i.l'fovi<lod U1 the _ _
The HOMIiOWNEJ< 'S MORTGAGE ASSISTANCE PROGRAM (!lEMA!') ""'" be 01>1< "' help to."", your iloo1e.
Th1S Notice explains ,Mwthe~ worb,
ru.... if IIFMAI'~. hell" )"'" must l\'fFFT WITH A CON~!NfER CRFOIT <'.(llJNSRI.ING AGFNr7l' WITHIN
30 DAYS OF mDAIE OF THlS NOnCE. r. this n<>tiot with \IOU when \IOU meel wilh the COlJm<llinll~_
The """"', oddre.. IIfld !lhone !lllOlber of COIl"""'er QOOjJ: C~ Al!enei.. .""""" \IUUI' C<>unIv ....liSl<d 1Il the
.00 afthi. Nclicc. If\'OU have Il11vq_'""" '-0" mayadl the Penn.yl...... fj"""ng Finanoe """n",,'oU &.eat 1-
8fXl.342.23!n. (l'""""", With rmpairod boons "'" ""II i7I711lt().11!tW)
This Netic< COllllOns imporlani 1_ i.fonlllllion. If _ ha... any 'l""s<i-. rqm:1I<lIl3li.-.... the C,,"sumer C",<lit
C~~' may b. .ble to help """loin it You may .,'" WllIll '" 0011_11I1_ in}'OOf...... The local
baT ll!isociation ma,)t be IIbJe to .help you find a iawyc:c.
LA NOTJFICAClON EN ADJUN"ro ES DE SUMA lMPORTANCIA, PUllS AFECTA 5U IlE!lECHO A
COl\ThTJJAR VIVlENllO EN 5U CASA SI NO COMPRBNDE 81 CONTIiNlllO DE ESTA NOTIJIICAClON
OaTENGA UNA TRAIlVCClON lMMlIDlATAMENTE UAMANDA ESTA MlI!NClA (PENNSYLVANM
HOUlIING FINANCE AGENCl) SIN CARGOS AI. NlJMERO r"lENCIONAIlO ARRlBA i>lJEDES SEl<'
ELEOffiLE PARA UN l'RBSTAMP POR EL PROORAlvlA L.l.AMADO "HOMllOWNER'S EMERClENCY
MOR.IGAGE ASSlSTANCE PROGRAI;f' EL Ctw. P!JEDE SilLV AR StI CASA DE LA PIlRDlDA DEL
DERECHO AREDIMJR SU HlPOruCA
[l"e n.o...b.. 09_ 2003
TO:
CborJe, W.",.,
POllax 1016
C<llii.k. PA I1fJI3
Premises:
J 05- Freomck Avenue
C<I1li.l<, 1'1\ 11013
Ro: iAlllIlNumher: 1l4:l4:l.S(JI)49
FROM: Hom~ F""""'1ll1
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HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAVIlli J!LICIDLE JIOR nNAI\ICL\l.ASSlSTANCF: WIDell CAN SAVE YOIJR OOME FlU).!,.
IIORt:CI.O!UJRF: ANO HRI,PYOU MAKF: mrrURE MORT<;AGIl PAYMENTS
IF YOU COMPLY v.'1TII lllE PROVlSfONS OF lllE. HOMEOWNER'S EMERGENCY MORTGAGE
ASSITANCE ACT. OF 1983 (I1lE "ACT'). YOU MAY BE EUGIIlLE FOR EMERGENCY MORTGAGE
ASSISTt\NCE:
IF YOUR DEfAULT HAS BEEN CAUSIID BY CIRCUMSTANCES
BEYOND Y(){....R CONTROL.
IF YOU HI\ VE '" RJl.!\SONAB.LE l'ROl!l'ECT OF B!lING ABLE TO
PAY yaLlR MORTGAGE PAYMENTS. A"''D
IF YOUMEllT OTIlERELIDlBJLITY REQUIREMENTS
ESTABUSHED BY TIJEP~'SYL VANIA HOUSlNG F1NA'ICE
AGENCY
TEMPORARY STAY OF JlORECLOSlJIlE - Undo- the """" yoo ore c:nlitled to a t<:lDp<lIllf)' sIoy of lorcel""""
on y"'" m_ furthiny (30) day> !rom the.... ",thi.NC<l<<. J:JurinQ1hat_YOO1llll0l _lllhlottend.
__fSee" m~ with anc of the ............. cn:dit <OUIl""ung~" listed lit the oml of this Natice. HillS
MRF.TING M1JIlT or:CTJR WJ1lIJI\l TRl'i NEXT lO Oil. \"I. IF YOU no NilT APPLY FOR EM1lRCrllNr.Y
MORTGAGE ASSISTANCE. YOU MUST ERlNG YOlJll. MORTGAGE UP TO DATE. TIlE PART OF TIllS
NOTICE CALL:ED "HDW TO CURE YOUR MORTGAGE DEFAULT"_ llXPL!\lNS HOW TO llJllNG YOUR
MORTGAClE UP TO DATE.
r-OI'OS\)~ CRFJ)U f:Ol)NlIEUNG AGENCffi!> -If you moot wilh (>)Ia <>llho _er CNdit """"",ling
~ Ii.... III tbe oml <>r thi.~ the Imlet my NOT mIre llClio...Qllinst Sou for lllirty (l0) <lay. aller IM,jato
of this :moecing. The nan1Cl., lIddrcues and tc:j~ numbmi. of dcsi~td consumer credit c01lI'1'!lelme agencies for
1M """"'.)' i" which "'<P"'l'ert\' i.I"",,,,d ore 001 fMh ot ""' end oflhi.1>Ioti",. It i' '""Y""""""l't<> sd1odu1e """
facc.-t".face m,,,:I~ Ad.... yoor 1....... immediatel... of your intc:nliom
API'lJ('ATJON FOR MORTGAGE ASSISTANCE - Y.... ~"' iIl_uIt for the t,,,..,,,..et fut1h 1_
in this Noti"" (."" foll~ P"B'" lor specific infonnation about the -.., of,_ <kllwlt.) If ,_!we !ri<<l oml
llIe unabl. '0 ...01.. tlWl probl"", with 1M lenoler. Y<>'I how IIle right to OWly for fInancial ...._ !rom the
Hom___ Em_ ~ Assi&lanco Prowum. To do "" }'OU ..... fill out. ~ and liIe . oompleml
Homeowner-. Emergen.y ......_ l'rollnJm Awli...."" with ooe of the oo.ignaled _ ...edit .,"'....Iing
ogem1ilffl' ]j$ted Qi the end of chil';. Notice. Only OOiUumet OiWbt oounooling: ~ift!l,. htl\'e sppli(lQlJetrtS far the ~
and they will ...... yoo in Ollbmitting. .omploto OWli<alim to the """",,>.Jvanj. Ilouaing Finance Agmcy_ Your
9J'!>1i<atiOl1MUST be Iile.:! orp~e.:! wllhin thiny(30) <ia}.. oIyourf.,.,",o-foce moetinll
r.F.JI,D~ CONTACT INRF:Gil.JIDS TO PF:NNSYLV il.J'o1:A H0I1!iING FlNANr-lAr. ASSJSTJJ.NCK
HomeCOO1iJ1lll! .F,"""cia!
2711 N<ll1hlJsskell A..... SuJt.OOO
!:hllas. T""" 15104
Ann: l<m MJriJ!ali... DepamnOlll, Si"l'h1lnie Cre>uch
Phon,,, 1-8oo-206-2$lOL Old. 2506
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ALL t."OllRl!SPONDENCE REGAROLJVC PHl'A ASSISTANCE SHOUID BE }'ORWARJ)EJ) TO THE
ABOVE JlEFERENCED AlIDRFJI8.
fOU Mlln Ji'ILE fOllle Al'PLICATION PROMI"rL \', IF YOU FAIL TO DO SO OR IF 1'OL1OO NOT
FOLWW THE OTHER TIME PERIOJlS SEI' FORm IN Tms LETI'EB. FORJlCWS'URE MAY
I'ROCFJID AGAINST YOUR HOME f!\lMEDIATI!U' ANI) YoUR APPLIf'ATION FOR)(ORTGAGE
ASSISTANCE WILL B:EDENIED.
4GF..NCY ACTION - Available fund. for em"'ll""'" ~ ...islanoe "'" ,'"')! limo..! Tb.y will be di.burscd
by tbe Ai!eJ>cy uruler tM .Iigib~ity ai'em .SllIblislwd by lit. Act mo l'<Ms}ivania HOIliling FirnInoo ~ 1m
si:<l)' (60) do}" to 1IJO!r.o . _ion sli<t. it =,.... }'.... appIieS!,,'" Dutinjl1llat 1llIIe, "" 1Or""1",,,,,, I'"""edings
will be pursued .nllt y<lU if l"'U h.", met lb. time ",qui_ IIct forth .00.'0. y"" will be "~fi.d diTcctJy by
!he P<:nnsyJ\'IlIlia 1loUSllll! Finlln<:<! .4getlcy of ,ts decis.on OIl}'OUr appIWIllt!lll.
NOTE, IF YOU ARE CllRREJI.'TL Y PROTI!CTED BY THE m.JNG OF A PJ11TI1ON IN
1lANKRUPl'CY, THE FOLLOWING PART OF THIS NOTICE IS FOR lNFORMATIONPVRPOSI!S
ONLY AND SJIOULD NOT RE CONSTRUED AS AN ATTEMPT TO COLLECT THE DEBT.
(If,..,.. ...,,, III'" ......knIpt<yyou _ oIUI apply for E_ MIII1!lUIt AIlol........_)
lfOW TO CURE YOUR MORTGAGE DEFAULT (Briwr it UP ... date~
I'IA'flJRE (lJ1 THE DEFAVL T - Tile MORTGAGE deblileld by tl1e llb<wI: lender OIl}'OUr propmy 1",,",,<1 at:
W5 Fredl:riokAvenue , Carii.."PA J7013
IS SERIOUS!. Y IN DEf AI.1J.. T becau..:
YOU HAVE NOT MADE MOI\'TIILY MORTGAGE PAYMENTS lbr the fullowII'll
_ and tho fuUowing ~ "'" oow pall! due:
M<mJh1).p"ym...,. _ 09/OI!03 to Iml ilJ3 IOlOlilll!
Latc~:
Olhor r... BOO'or _ (indudio@NSF <Ilar8e' ..d )lro!'<rtY ""''P'''li_)
LESS: U""J1!'liodFUI1<ls:
TOTAL
S 1.058.20
$ 61.14
S 25.00
$ 149.54
$ 2,00)4lJ
/lOW TO CURl( THF. DF.PAUI. T - y"" moy cur. the deIiwIt WIthin TIIIRTY (:m) DAYS at tho <lato of this
Notice BY PAYING THE TOTAL AMOUNT DIIE TO THE LENDER. wmea: IS $ 2.001.40. PLUS ANY
MORTGAGE PAYMENT.5 AND LATE CHARJJilS WIlK'H BECOME DUE DUR1N'G nm THIRTY (30) DAY
PERlOD. !'Ii\",."., ",,,,,I be"""'" ei_tw cash. c...n..r'. wok. certified chect orlllonev orde<mllde1>ll'llbIt Qlld
~
lI<lnti>oomlup F.......claI, P.O. Box 78426 Phoenk, AZ llSlIli2-8426 OR OVERNIGHT TO:
2445 W. Dwdlop Aveuue, SuIte 100 PInNmix. AZ 8Sll21-21lll3.
IF YOUOO NOTCtJRE THEDI!FA1-'LT -If)"" doootcuretho defBUl, within mmTY (3!I)MYS orth.da",
of this Nati<<~ t... Imder intima. .... eM'n;Ise. jhi riaht to~" die "ortlJ'll~ ~ This means that the entire
aU_ill! b.lJm", alibi. debt will be c"""dmd due imtlle,!lately Qlld Y<lU moy I",ethe c:hance '" P"}' tho mon~
inmonthl~. inlltsllments. If full paymeni oflhe tlllBI """""" pall! due is "'" mad. wiIhin mmTY (lO) DAYS, the
J_r also_ t<> instnlotJt. aoomo)'w SWIl"l!01action l<> 1"""'-10.. _your m~proporlJl,
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IF TIfF. MORTGAGE III FORJ1.cr.osm T1I'ON - Th. '"~ P""l'<'tl' will b< oold by the Sheriff to J'l'IY 011
the IlUl!1llB!lO tlebL If tho lender """"}'OUT,,,,,", to its .'Ull"")', but)"" cure tho doJinqucrwy bcf_the lender b~
1<!llI1 ~ IIjJJIinsl y.... you will .un h. required to I'8Y ili< ~OOlIbk """"'ey'o f... that were eclUilIly
~ l.lP '" sso_oo. Howe""'_ if kll"1 _edings are _d lll!1linst you, y"u will hare to PO)' ill ~I.
attorney'. foes eclUilIly in<urred by th< h.ul<T,..... ;fthoy",,<=l$50,OD. i\ny3!lDmoy'. f.....ill bellddo<110 the
..,,,um you .- the 1ender_ which ...y 81", inelUlk other _hi...... If '"'u .u... ,... del"lIll _I. 'h.
TJIlRTY (.101 DAY ...-. ..... will nol ... ...,;nd In """ nit......... f...,
OTHEIl I ,li'NJ)F:J( RFMF.nTF:S -lb. lender mll}' 01", ... you """,nolI}' for the I1llJ.1Old pffiwipaJ bolonce end aiL
_...... due.Llllder the """,-.
/UGHT 1'0 CIJRF. TIIF.llFJi'AflLT PRIOR TO SHEllJl""S SALE -If ",,"1m.. n<ll cured the dctltul. wnhm
the TflIRIT (30, DAY poricd lIlId f.".,.,]oSllre prooeedi~ have begun, )'llII stilllme the tWO ro ""'" the defll1llt
md fll"''C:J1t the sale alrlrlV time up to one hour-before the Shcrifrs. Sale. You may do 50 In'fl9vJ~thetot:al amount
thoo 1'.'" due 1'1.., lII\Y I... or other <horse' then due ,.."onobl. .It"""".... f.... ond ~ <"l1l'lIlCted with th.
f~ oak> end an\' cthe! <0Sl$ _ with tbe Sheriff'. S.le as llIleoilled in Wlltin.ct 1>'I1he lender and by
perfoominq ..".l1Iher rcqWremmt,< unckt thelll\lltW"'". Curing",ur defloult In lloo ............. forth in thi. Nolle.
win _... y.our lilIlI1gil!ge... die ..... pll8illon as Ifyoo """_.... d.tfauJlod.
EARLIEST POSSIllLE SllEllIFF'S SALE DA TIt ' I. i. cstlm""," lhut the cul;"" dolt lhut ...m. Shorifl".
Sale of the m~d properly."old bo ooJd woo1d 00 _...lIi....." .,. (6) Jlunth. 1\'0'" Ih. d... uf IIlis Nude<.
Anot"-'" of the lICWIIl dolt of the Sheriff. Sale ",ill b< """ 10 yoo before tbe """ Of co..... the_neededro
cure thoclct3u1. will ina<:3se Ill. I_you WlIiL Youlll1lYfind "'" otany time """",Iy"'" tIlc mj.m.d p;IYllJCIltor
ection will b< by CClIlIll<:titlg!he lender
lWWTO CONTACTTBE UNDER:
Hcm_i"ll'Finsnciol
2711 N 1I",",~IL suit<: 9(1(;
Dallas_ TX 75204
Attn: 10"" C<l1:!JlSdiI1)01DcpllIlmcnl
Ph"",,: 1!<<JO.ID5.2901
);JlFFx:T OF THl1 SHKRIFJI'S S4U: - 1'00 shouldn::;ilizc that. Sheriffs Sale will endyourownmhip of tho
mOl'lllllll'd_ltJ? and )'rnJr righl ro occup}' it If)'oo rontinue '" live in tbe pr<l!lOrt}' afuor tho sheriff's Sale. .
lawsuit Ion",,,,,",Y"" and yom ~ andolhut b<1~ <cuId b< _dby thelondalll ""!"timc.
ASSUMPTION OF MORTGAGE - 1'"" mal' be obit '" ""'I '"' _ yom home to . buyer or lranSfere~ who
will.."""" !be mori_ debt, prnvi<kd lhut all tho <lIJtslandingJ"l~1I1Cl1ts, charges arnI.&moy'. r..", and c:osls aT<
paid priorI<> or at the.... end that the otherttqllirements of!bemortgage.... ""..wed.
VOlJMAl' AU.OHAVFTHFRIGIfT:
TO SELL TIm PROPERTY TO OBTAIN MONEY TO PAY OFF TIm MORTGAGE DEBT OR
TO BORROW MONEY FROM !\N01'Fffik LENDiNG lNSlmmON 1'0 PAY OFF 'l1l1S
DEBT.
TOHAVIl Jll!S lJEFA1.JLTCUREIlBY ANY TIlIRDPARTY ACTINGOIVYOlJRBFJfAl,F
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TO Hl\VE TIlE MORTGAGE RESTORllll TO THE SAME rosmoN AS IF NO DEFAULT
HAD OCCLlRRED. IF YOU cmm TIlE DEF ALlLT t1fOWEVllR. YOU DO N-oT IlA \IE TIllS
RIGHT TO CL'RE YOLIR DEFAULT MORE THAN 11lREE TIMES IN ANY CALENDAR
YEAR)
TO ASSERT TIlE NVNEXlSTBNcE OF A DEFAVL r IN ANY FORl3CLOlHJRE
PROCEEDING OR ANY OTHER LAWSlJIT INSTIflrrED ur'iDER TIlE MORTGAGE
IlO('JJJ:l.1ENTS
TO ASSERT ANY 0TImR DEFE!>.'SE YOU BELlEVE YOU MAY HAVE TO SUCH ACTION
Ill' TIlE I.BNDER.
TO SllEK PROTECTION Ul\lDER TIlE FEDERAL BANKRlJPTCY LAW.
S",""",ly_
LoIlnC~D__
lJoolo!lllreM
Lis! o[C",un..li<\IlAgoooi..
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~ PiDa.n.dal
AGhJACCO~"
lX_ber 09. 2003
Cortifiod NlaiL RCIUlTl Rc""ipt R"""cs4<d
043425;)fl49
Charles W""""
105 Ft<dorick A......
Carlisle:. PlI 17013
R.: Propert}, Addmis: 105 Fn:d..-id< A_
e...ttsl.. PA 11013
Loan Numl=:
0434250049
A clcfauJI ""'illl> 1lI1d<:r the """'" mcroncod M""'IiIIllC,1)o<<f cfl'tuot loall"llTOODt<Ill. The llCtion required to ""'"
the dclimJt is the _I "r 411_ due _the M~n.odofIt'1lSl1_ "llfCM>Ml. As of the dolo of
this I__the ~ _ due is S 2.00I.AlI_ ThlIl """ includcs the fallowi:Jla:
4 poymenl< ro;aJing: $ 2,Q5~,20
l.ate dlso:gM' $ 67.14
Olhcd_ andAor costs $ 25,00
Unappllod Funds. S 14954
The totsl _I due .hown .hove i. subjoct to furtIulr m_ for oddiri_1 mocrtbly pa}'Ill_. ~~"
~ roe., tIlldior olh<t r... ond 00" wltiCb may becom. due, .fi<rthe date or this _. 10 obtain .... ""dol<
afth. _ _ due to ""'" this dcf:mJ~ _....t UOlU06.29f11.
TO CURE THIS DEF lIULT, SEND YOUR CASlllER'S CHIlClC, MONEY ORDER, OR CERTIFIED
CHECK IN THE A.'vIOUNT OF $ :1..001.40 BY J..u.... lJIl. WtW TO THE FOI.LOWL'JG .ADlJRF.ss
H..........IIlII. FIn_I_ P.O. DOl<?lIoU6 Ph.....l.. AZ _-11426 OR OVERJ\lJGRT TO: 2445 W_
Dunlap AWIlIlO, S_1OO Phoooril<, AZ ll!IO:ll.m.l_
If the defiw!t is not wn:" within thirty (3tJ) days of the nmilintJ 01' this lcttrr. the lender. without furtlu:r' I1Cti<e or
"-"'l will ....I<<lIto .tllo """,,rily date of the NOW and d<cklr. illJ 3llm. .........d by the MOIlj!IIgIlIDoed of
TIUIl \0 b< .imm.dn.rely due and PlIJIllble. The _ Iherl ...tends ta luwe the property wid llt . puolie
f=cl<lsure ..... Aller """,l"""'an, . ourins of the ""fault and ""-'_ of the I_ will be pcnnidod up In
the time aflhe sol. by P9.l"", the """ due mollllllyP9.l'lll_ and olber _.Ibon due under. ~~
ofTwstl___ am! by """'l'IMwitb all tenns ofn:inatBtcmc:nt
YaU have th< ri2J:tt 10 bring . OOOI'lllOtion 10 ......"" tll< ~ of a delimit or any Oll1er defeMe that mol'
exist to pre\'t\T1t sccdcrarian and1m'C of the: property
11llS NOTICE 18 SEl'<'T TO YOU IN AN ATTEMPT TO COLLECT TIlE "''DEBTEDNESS REFERRED TO
HER.llIN AND .*'Y n,'!'ORMATlON OBr AIf'<'IiD FROM YOU WIU. BE USED FOR iliAT J'IJRl'OSE
Sinc=ly.
l.oen eoun""Jiag D.p"''''''''"
lILH
Hornecomlngs fk1ondol
211 J NOrth> flQ$ke" ^"'6f)l.!e .5-Ulto3' SQ}OoJloli. r exo-s '~21)(
.6()).2(I.e;3QJ f-JOmOC.ornlilglii.tlO(U
Page 1 of6
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ACT 91 NOTICE
TAKE ACTION TO SA VE YOUR
HOME FROM FORECLOSURE
TIllll NOTICE IS SENT TO YOU IN AN AT"lIDAPT TO COllECT TIlE INDI!BTEDNIlSS REl'ERRBD TO
HBRllIN AND ANY INFORMATION OllTAI!\W FROM YOUWllJ.BB USED FOR THAT PURPOSE.
This is so official POtia: that the moItl"'F tlfl your bomt is in dcfimIJ. and the len<lt< intends to (",,,,,lose. Spccific
infomati"" .- the flllturo of the de""lt I, provided "'Ill. el1"cl1ed_
Th. HOMJlOWNER'S MORTGAGE ASSIST ANCIl PRClGRAM !lmMAP) 1M)' be al>le to help "'._ yOl" """.
Thjs NotJce: expliUns hl:'lWthe~ worts.
To _ If I1JlMAP am bell' )_ muot l\.mRT WITH A eMS! JMF.R C1{F.I)IT r.oLlNSRTJNO AGKNeY WITHJN
30 DAYS OF mDATE OF TIllS NonCE. Take this not... with \lOLl when V<lU meet with the CO\lMcl"",,\=ev.
The tIIIlt1e. _.. and 1lhone number of C01l$Utf1er Credit c.oun..J.iM ~i.. ..".".. wur Coontv .... tist<d 1lt th.
iNid. of this NclQ. lfVDU. havr anv qUC:litiOllS, :rou D1RV call the PcnnsylvtlJlla Housinp; p insncc As:!.enm' toll fme at 1 ~
K!Kl.,42.2397 (P""""I!' WIth l111fl'lired hearing "",..11 f7l7111l<J.!lfti9J
This Not;<< contains important Iqjol infomatioo. [f}_ him: ""Y qIlCsti_. ~...1lt the C""""'CT Cn:dit
CtJIll1$eltlltl ~ llUIy be able to help llllPlaUt it Y IlIlIlUlY 0100 wn& l<l __ !lll nttomey in yoor...... The [ooat
bar lI!iliOcistiOO may be .bole- to hclpyou find a J~.
LA NOTIFlCAClON EN ADJUNTO ES DE SLiMA IMPORTk\1Cl;\. PUliS MEeTA 5U DERECIlO A
CONTlNVAJ{ VIVffiNDO EN 5D CASA 51 NO COMI'RENDIl EL CONTENIDO DE ESTA NOTII'ICAClON
OBTENUi\ UNA TRlillVCCION JMMEDL"T_~ llAMA.'IDA esTA AGIlNClA (PENN5YLVAN1\
HOl:JSING FINANCE AGENCY) SIN CARGOS AL Nl1MERO MENCION,IDO ARRJIlA PUEDES SER
ELEGII3LE PARA UN PRllSTAMO POR EL PROORJ\l\>li\ LLAMADO "HOMEOWNIlR.S EMllRGIlNCY
MORTGAGE AS5JST.I\NCE PROGRAM" EL Cl1AL PU1lOE SALV AR 5U CAR... DE LA PllRDlIlA DEL
DEI!.BCHO AI!.BDIMJR SU IllPOTIiCA
n:,te Dec"",bcr 09. 2003
TO
Char.., Werner
105 F..derick A\'elllle
aw,.I.. I'A J7(113
Prcmi&es:
J 05 Fn:derick AYOllue
aw,.i., I'A 17013
R. LOIIl1 N<mthcr: ()4~~(~14'i>
FROM: Jiom~ Financial
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HOMEO\\lNERS' EMERGENCY MORTGAGE AS,'>ISTANCE PROGRAM
VOU MAS BIt J!LI{~mLE FOR FIN~'IlCIAI.ASSlSTANCf: WIDCH CAN SAVE VOllRHOME FROM
~ORI:CI.osURF AI'IDmn,PVOI} MAKE Jl\lTURf: MORTGAGJ( I'AVt.lF.NTS
IF YOU CaMPLY wmr TIlE PROVlSIDNS OF TIlE IlOMEOWNIlR'S EMERGENCY MORTGAGE
ASSITANCE ACT OF 1983 (TIlE "ACT'), YOU MAY m; EUGlBLE FOR EMERGENCY MORTGAGE
ASSISTANCE-
IF YOUR DEFAULT HAS BEllN CAUSED BY CIRCUMSTANCES
BEYOND YOl1R CnN1'ROL.
IF YOU HA VBA REASONABLBPROSPECT OF BlllNO ABLE TO
PAY YOllR MORTGAGE PAYMENTS. Al\'D
IF YOUME8TOTHERELlGll3lL1n'REQUlREMllNTS
ESTABUSIJEI) BY TlIE PENNSYL V ANL" HOUSlNG FlNA"ICE
MIIlNCY.
TI!;Ml'OJURV !lfA~' OF FORECLOSURE -111Xkr the Ad, you "'" entitled '" . t<:tllJlOl'Uj- sb1y of"""al""""
on Y"UI' mOllllllllO {or thirty (30) d~ fro.m tho dale of !hi. Na4tco.. Dw:inll- time. you must fII'mllIle aw.1 allond a
~<>-r"",,' meeting wiIh one of the _ cttdit """""'~ ~..listtd III the md of this Nali"". l!!l!!
MU:1Ti'lG MlJRT OCCUF WITHIN TIfF. NEXT 30 D4YS IF YOU 00 NOT APPLY FOR R1I-fF.RGilNCY
MORTGAGE ASSlSTANCE. YOIl MUST BlUNG YOUR MORTGAG/J UP TO DATE. TIlE PART OF THIS
NOTIC.1l CALLED '"HOW TO CtiRB YOUR MORTGAG/J DEFAULT"_ EXPLAINS flOW 1'0 BRlNG YOUR
MORTGAGE UP TO PA TF.
COl'llitJ1\olli:R CRlIDIT OOlJ1llSF.UNG AGF:NClES - If you moot with <me or tho """""",or """'it _ling
~ liSled at !be """ of ll>i...ali.., the II!lldetm&y NOT toke O<ti"" !llllIim' you fot tbirty (Jil) <lay, all<tthe dale
ofth.is m<<ting The....... ~ """ telephone mlllIbt.-. of dc.oj!lll'U:d c"""""'" credit aounsel"", "",,"ciao far
tho """"'" tn which !h. propertv i.,oaolod ""'... fCj'lh.t the """ oflhi. N<>t,.. It i. only_.....yl<> sabeduJe. "".
f...,..t<>-fiwc ....cling Adrise your lender immcdislcly of}_ ~
API'IJCATION FOR MORTGAGE ASSISTANCE - 'lOOt mOt1l!lllle"' ill default forth. te""""".ot Corthlal<!r
in this Naliae (.", li:>IJowing l'"B'" fur specific infonnati"" about the no>ura of j_ <lol.ult) If >"" ha1'e trio:! """
fIR ....1>1. to ...01.. this probl"'" witb the Jendar, l'l" ba\.. tit< right to "l'ply fot finanoilll ...._ fro.m ih.
Ilom.owno:r'. Em_ ~ Ass,"""""'~. To <lo so. }"""""" IlIl GUt, &i&n ond iii.. eomplmd
Hom.._-. Ero<rgonay ^'"........ l'ro;!mm AppliOllliOll with on. of the des~ """"""'" orcdil ""......ling
ogenai..li~ed at the """ oflb.s NOCi<Je Only "'......- credit """"..hng ogena... ho.. appliootion., f... the ~
and they will ...... you ill submitting . a""",lalc "l'PlWotim to tho .P.nnsylvam. Hnusing F.....,. Agency_ Your
llpJ>1ktrtionMUSr he mod orp<>>llllali:od within thirty(JO) da}~ o{)'Our f-.t<>-fac. D'.otit:Ig
LFJ'IDF.R CONTACT m RJl('.A.Rmi TO PF:NNSYJ.V ANlAHotJSING FINANCIAl. _rANCE
HomeComings 'ftnanc:ial
2111 North1lBsk<1lAve. SuIt. 0(1)
Dallas, r_ 75204
.Ann: L<m l>fitiaatiOlllJopartmetll. Stephanie Crouch
Phone: l-800-106-2l>Ol. exl. 2506
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ALL t."ORRI!SPONDENCE REGAJlI)ING PJJIIA ASSISTANCE SHOULD BE FORWARDED TO THE
ABOVE REFERENCED ADDRF~'iiS.
YO{)M!E:FD..E YOllIUI'PUCATIONPROMPTLY, IF YOU FAIL TO 00 SO OR IF YOU 00 NOT
FOLLOW mE OTHER TIME PERIODS SET FORTH IN TH1S LElTER, FORECLOSURE MAY
PROCFID AGAINST YOUR nOME IJ\l:MEDIATEI,l' ANI) YOUR APPLICATION FORt.IOIlTC'.AGE
ASSISTANCE WILL BE DENIED.
AaENCY ACTION - A...ilobl. lond. for ""'.,s.".o/ ~ "",islanoo "'" ''''1' limited. ~ win be di.hmlled
by tho Apnc}' under the eJ@l>llity criteria .lIloblished by th. Act. 1M P<Jll>I}'ll'llllill HousUls Finanoo ~ bas
sooy (60) dayo. w tlIllko . docis.on _ it """",... your oppliCll!1"" Durins thollim<, Ill> 1Qr..ll>!ure proc<e<fir1gs
will be pursued .inst}"" ifygu ''In'C mot lb. bmc roqui_ $01 forth oho\". Y '"' will be notified diJ'CCtly by
the l'ennol'Jl'lIIlill!lollslng Finaaco .~ of.", docisu'" on your lIpjlh0a110l:1.
NOTE: IF YOU ARE CIlRREl\'TU' PROTECTED BY THE FlUNG OF II PETlTION IN
BANKRUPTCY, THE. FOlLOWING PART OF TmSNOTICE IS FOR INFORMATIONPUIlPOSl!S
ONLY AND SROIJIJ) NOT BE CONSTRUED AS AN ATTEMPT 1'0 COLLECT TREDERT.
lIfyoo II.... OIod ......kruP!OYYDu ......Ill apply ro'E_ MllI1lPIIe 11I_.)
.DOW TO CVRE YOUR MORTGAGE DEFAULT (Brinlf it UP to dllle).
NAl'Illn: OF 1:lfl! UEP"m:r - The MORTGAGE deb! held by lh<: abm'C lcn<kr on your JlTOI'Cl\Y locotcd at;
105 FralcrickA""""" , c.rlisk,PA li013
IS SERIOUS!. Y IN DEF AL1L T beoIlU""
YOU HAVE NOT MADE M()!>.;"T!lLY MORTGAGE PAYMENTS for the full_
.-ths and tho fuJlowing lIIl1OIIJ1ls "'" MW past due;
M"ndlll'''''ymon''' IrMt 09101.'1]3 w lVOIlll3 lOOl)ing.
Uotc C~:
Olhor f...lIOOi", """" (incI1ldin@NSF cIlatge. and JlroP<'1Y _ct,""")
LIlSS: UnappuodFunds.:
TOTAL
S 1.058.:\1:1
$ 67.14
$ 2;5,00
$ 149.54
$ 1/)0]4(1
pow. TO CT1IlR TRF. DFJlAllJ'T - You may cure the Default within TIJJRrr (JiJ) DAYS oflbe '"'" "fthis
Notice BY PAYING TRE TOTAL AMnllNT DUE TO TRE LENDER. WlIICH IS $ 1.001.40. PL1:.'S Al\.'Y
MORTGAGE PAYMENUi AND LATE CHARGES WHICH BECOME DUE DURING TIIIl THIRIT QO) DAY
PERIOD. PII\'Illenls IllllSl be mllde eilllet bv ClI5h. 0_" clteeiL o.wfied <hod: Of Ill"""" otd<f mllde tllll/l!bJe IlIld
smtt.c:
Hame.....u..,.. FinImdaI, 1'.0. Dos: 78426 Phooub:, AZ 85062-8426 OR OVERNIGHT TO,
2445 W. Dwdap Avenue, SuIre 10l1~. AZ 85ll21-280.1.
IF YOU DO NOT CURE TIlE DI!FAtlLT - Ji"l- do_cure the dcfsult within TIllRIT (JiJ) DAYS cflh<: date
of this Noti.., tflr londe, Inion"" In ....I~ II> ..._t In ............11I. ..._ debt Thi. m""".that the emn:
ou~ boJance oftili. debt will b. O<lll>i<i<:r<d due imtnodiotOly lIIld yoo mill' ''''. the -"lo P'*'tlletllCJfl_
in mnnthly instalimcnb. If full!"',.."", of the tcW """""" past due is _ m...le wiilUn TIllRTY (30) DAYS, Ihe
Icn<kr oJso inlends to instnlct its _I" to !Wl J.r Bod"" 10 l\wclo.. upon Y<'Ilr m~ ptopoltJ?
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IF THF. .MORTGAGE III FORF.cI.osm lJPOI'j - Th. m~ proper!}' will be soLd by lh. Sherilftct pay off
!he ~ doh. !fib< _n:fcrs yo",,,,,,,,, to Us _y, but yoo am: Ib< ddin'l"''''o/ hem Iho Imdo: b"llins
1<aW ~ QIIll1.'" ).... pnu will >lil1 b. roq""od to pay tho ,...",,..1. allOmoy-' r... that _. octual1y
int:UI1'od, up ., !lSO_oo. Howovtt, if JeJlll! pro<.'<~ ere S1llIted apiDsl you, }'Ou will ba", to pay all """""""'I.
allOmoy's r.c. m:tuaI1y IOO.lrTO<l bytll< 1<Ol!iior...... tfthc:y""""d$50.l)/). Any~". {""" will b<addod l<t lb.
"'"ount you .- Iho Jender_ whicl1 ""'y oIso include other _bl. oosts. If "". .... lit<- def.ult wlthl. the
~'QtI)DAV JWriod. ...,... wm not be requind to pay lItt~';!il fe..
0TRJt1{ LRNDEIt RF.l\IF.f)IF.S - lb. Imdor moy aloo "'" you pe<soIIIll1}' for Iho unpoid principal bol"""" IIIld all
otber. ...... due Wldet tIl< """,,-.
IUC".H'r TO C;URF. mE ll11.FAULT I'RIOR TO lI'l1llIUf'l"'S 8M ,11. - 11 )'ou 1m" Jl\ll """,ill"" dc:hiull within
!he 'Il!IRTY (0) DAY poriod and r""",lo,"", ~ """" begun. you still hm..the rieh< ro cure the d.r...1r
aoc1. ~ the sale: lIllU1vtime ~ totJllehcrurbefaR: the Sheriff's. Sate. "fOl,1 mnvdo so b..,. pa,,-j!:l~thetotalsmol.lnt
to"" l"'''' due_ pi.., ""V IIlI0 '" other ~, Ibm due. ",.,,,..,,,"'1. OltOmoy', r... and """'" conne<:tod with th"
f_ oaJe ond a.v other 00Sls """"""'" with the Sheriff. Salo as Sl>ocifiod in wrilillltlw the Jender and by
pm""";"p..,,. other T<<IIlil'l:l11<fll< under thc 11l<1f\"'V. C.ring"'.. dor....lt in tho ......... oet rorth in thl. Noli..
wiD ........,...... blOI'Igl1lle to iht ..... pllflltloo...1I" you 1wI"",... dolllllliod.
FARLIEST POSSIllLF. SJlERlFF'S SALE DATE - It i. CSlimllkd due the "",Ii"'" _Ib.. such a Sheriff'.
Sal. of the mllll!l>1ll<d propeJ1y rould be held would he 3P1'mllJoallll)' oi. (6) ..ont", [Milt th. dolo of thi, NollI:<_
Anal"'" of1he lIClUal dereofthe Sherifi'. Salowill be _I to you b<fure the $llIe. mco""""the_ll<Olled 10
"'"' 1he dofault will ........ Ill. I_you wait. You mllY find out at 3ll,j' time """"Ir Iffiallbe ""loin::. _t or
action will be by 00Iltlld:itlg lbe lender.
J;WWTO CONTACT THJ;: J,l'.NPER,
1l<lmcrom_ Financiol
Z7t I N. fIosJoell, Suit<: \It)I)
Doli.., TX 75204
AItn Lollll~Dcp_
Ph_: I.K()O.200.29t11
F,FJi'F.CT OF THJ;: l>"HF.RWf"S "AU - y"" sIrouJd n:aJl'" that. Sheriff's Sale will end)'ow"""""",hip oflh.
~ proJlO!tJI and your right '" ll<<lIf'Y it If you <<lJlIlnut to it... in the JlRlIlO!ly atler the Sheritr. Sale, .
],.,..,.,;! to....""")'ou ond l""" furnishings and olh<< belonjjillp cotdt1 be.-d b.Y lbe lender at any time_
ASSUAtf'TION OF MORTGAGE - Yoo ""'y be aIlJelO -.II or tmWot your l1onl< '" a buytr orlrlltlSf"",. WM
will .."""" lbe mori_ debt, prm,dod due alllbe <Utstandmg I"'pnents, d.rrgos and aI:tDmoy'. f= on<! cosls "'"
poid prior to or at the sale ond Ibat the other requirements of the mortgage are sa,i<f,od.
von MAY AUiOflAVF:THF: I{lGIIT:
TO SELL TIlE PROPERTY 1'0 OBTAIN MONEY 1'0 PA;' OFF TIm MORTGAGE DEBT OR
1'0 BORROW MONEY mOM ANOTIlER U;1\.'llING lNS1111Jll(lN TO PAY OFF THIS
DEBT,
TO.HA VB THIS DfiF 11111,1 GlIRED BY ,INY THIRD PARTY ACTING ON YOllR BEHAlF
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Image Print
Page 6 of6
10 HA Vll TIlE MORTGAGE RESTORED TO THE SAME rosn1ON M IF NO DEFAULT
HAD OCCURRED. IF YOU ctlRE TIlE DEFAuLT (HOWEVIlR. YODDO ..'OT HAVE TIllS
lUGHl" TO ClJRE YOUR DEFAULT MORE 1'HAN TIlREE 1'lMES IN ANY CJIUlNDAR
11lAR._J
TO ASSERT TOO NONIOOSTBNCE OF A DEFAOLT IN ANY fORJJCLOSURB
J'ROCEBDlNG OR ANY OTllER LA\Vsurr INSl1117TiID UNDER TIlE MORTGAGE
j)()('..l'1l.=
TO ASSERT ANY Cll'IIl!R DEFllNllIl YOU BELIEVE YOU MAY HAVE TO SUCH ACTJON
BY TIlE LENDER
TO SEEK I'ROTI!CTION WIDER TIlE FEDERAL BANKlUlPTCY LAW.
Sin=ly.
Loon C"""""JingD_
Enclo"",,*)
Usl of C""",,,ling Ag.mci..
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V E R I F I CAT ION
Mark J. Udren, Esquire, hereby states that he is the attorney
for the Plaintiff, a corporation unless designated otherwise; that
he is authorized to take this Verification and does so because of
the exigencies regarding this matter, and because Plaintiff must
verify much of the information through agents, and because he has
personal knowledge of some of the facts averred in the foregoing
pleading; and that the statements made in the foregoing pleading
are true and correct to the best of his knowledge, information and
belief and the source of his information is public records and
reports of Plaintiff's agents.
The undersigned understands that
this statement herein is made subject to the penalties of 18
Pa.C.S. Section 4904 relating to unsworn falsification to
authorities.
Mark J. U
UDREN LAW
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SHERIFF'S RETURN - REGULAR
CASE NO: 2004-00456 P
AMMENDED
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MORTGAGE ELECTRONIC REGISTRATI
VS
WERNER CHARLES
SHANNON M SUNDAY
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
WERNER CHARLES
the
DEFENDANT
, at 1000:00 HOURS, on the 12th day of February, 2004
at 1 COURTHOUSE SQUARE
CARLISLE, PA 17013
by handing to
CHARLES WERNER
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
18.00
.00
.00
10.00
.00
28.00
So A. ns~wers:
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R. Thomas Kline
00/00/0000
Sworn and Subscribed to before
By:J/~ '711- JL01rin._
Deputy Sheriff - ~7
me this ;to It; day of
J~ ;)(/(J'j A.D.
(I J C /lrv V1'v . {J~
~othonotaryi "T]
UDREN LAW OFFICES, P.C.
BY: Mark J. Udren, Esquire
ATTY I.D. NO. 04302
WOODCREST CORPORATE CENTER
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003-3620
856-669-5400
ATTORNEY FOR PLAINTIFF
Mortgage Electronic
Registration Systems, Inc.
Plaintiff
COURT OF COMMON PLEAS
CIVIL DIVISION
Cumberland County
v.
Charles Werner
NO. 04-456 Civil Term
Defendant
PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE
TO THE PROTHONOTARY:
Kindly mark the above DISCONTINUED WITHOUT PREJUDICE,
upon payment of your costs only.
dr n, Esquire
OFFICES, P.C.
for Plaintiff
DATED: February 9, 2007
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