HomeMy WebLinkAbout08-2205IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION
Plaintiff, No. _ D8-.2.205 Civil TetrA
vs.
KEITH A. SULTZBAUGH, CIVIL ACTION - COMPLAINT IN
MORTGAGE FORECLOSURE
Defendant.
Filed on behalf of PNC Bank, National
Association, Plaintiff
Counsel of record for this party:
Brett A. Solomon, Esquire
Pa. I.D. #83746
bsolomon n.tuckerlaw.com
Michael C. Mazack, Esquire
Pa. I.D. #205742
TUCKER ARENSBERG, P.C.
Firm #287
1500 One PPG Place
Pittsburgh, Pennsylvania 15222
(412) 566-1212
I hereby certify that the
property to be foreclosed
upon is:
806 Briarwood Ln
Camp Hill, Pennsylvania 17011
Township of Ha
Tax Parcel No M 596-113
Brett A. Solomon
Attorney for Plaintiff
BANK FIN:321576-1 000011-097225
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION, ) CIVIL DIVISION
Plaintiff, ) No.
vs. )
KEITH A. SULTZBAUGH, )
Defendant. )
IMPORTANT NOTICE
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this Complaint and Notice are served
by entering a written appearance personally or by attorney and filing in writing with the court your
defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the
case may proceed without you and a judgment may be entered against you by the court without further
notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff.
You may lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW. 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.
Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
(717)-249-3166
1-800-990-9108
BANK FIN:321576-1 000011-097225
AVISO
Le han de mandado a usted en la corte. Si usted quiere defenderse de estas demandas expeustas en las
paginas siguientes, usted tiene viente (20) dias de pla/o al partir de la fecha de la demanda y la
notificacion. Hace falta asentar una comparencia escrita o en persona o con un abogado y entregara la
corte enroma ascrita sus defenses o sus objecones a las demandas en contra de su persona. Sea avisado
que si usted no se defiende, la corte tomara medidasy puede continuar la demanda en contra suy a sin
previo aviso a notificacion. Ademas, la corte puede decider a favor del demande\ante y require que usted
cumpla con todas las provisioner de esta demanda. Usted puede erder dinero o sus propiedades o ostro
derechos importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIALAMENTE. SI NO TIENE ABAGADO O SI
NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O
LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENIRA ESRITA ABAJO
PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL.
Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
(717)-249-3166
1-800-990-9108
BANK FIN:321576-1 000011-097225
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION, )
Plaintiff, )
VS. )
KEITH A. SULTZBAUGH, )
Defendant. )
CIVIL DIVISION
No.
I) f-- -7.24,5" &;j 7u,?
COMPLAINT IN MORTGAGE FORECLOSURE
AND NOW COMES PNC Bank, National Association ('Bank"), by and through its
counsel, Tucker Arensberg, P.C., and avers the following in support of its Complaint in Mortgage
Foreclosure:
1. PNC Bank, National Association, is a national banking association organized
under the laws of the United States of America with a principal place of business at One PNC Plaza, 249
Fifth Avenue, Pittsburgh, Pennsylvania 15222-2707.
2. Defendant, Keith A. Sultzbaugh ("Defendant"), is adult individual whose last
known address is 806 Briarwood Ln, Camp Hill, Pennsylvania 17011.
3. On or about August 15, 2000, Keith A. Sultzbaugh ('Borrower"), executed a
Home Equity Line of Credit Note ("Note") whereby Borrower promised to pay to Bank the principal
amount of $30,000.00 plus interest as provided therein. A true and correct copy of the Note is attached
hereto as Exhibit "A" and incorporated herein.
4. The obligations evidenced by the Note are secured by a Mortgage dated August
15, 2000 (the "Mortgage") given by Keith A. Sultzbaugh ("Mortgagor") to Bank, encumbering certain
real property located at 806 Briarwood Ln, Camp Hill, County of Cumberland, Pennsylvania, as more
particularly described therein ("Premises"). The Mortgage was recorded on September 5, 2000 in the
BANK FIN:321576-1 000011-097225
Office of the Recorder of Deeds of Cumberland County, Pennsylvania in Mortgage Book Volume 1637,
Page 138. A true and correct copy of the Mortgage is attached hereto as Exhibit "B" and incorporated
herein.
5. The Borrower is in default of the provisions of the Note for failure to make
payment when due and therefore the Mortgagor is in default of the Mortgage. The Note is due from
November 10, 2007 and as of March 13, 2008 was past due in the amount of $1,609.80.
6. The Mortgagor is the record and real owner of the Premises.
7. There has been no assignment, release or transfer of the Note or Mortgage.
8. On or about January 11, 2008, Notice was sent to Defendant in accordance with
35 P.S. §1680.403C (Homeowner's Emergency Mortgage Assistance Act of 1983 - Act 91 of 1983) and
41 P.S. §403 (Act 6 of 1974) that an action on said Mortgage may be commenced after 31 days from the
date of the Notice. Said Notice further advised Defendant of Defendant's rights and obligations in
accordance with the Act. A copy of the Notice is attached hereto as Exhibit "C", collectively, and
incorporated herein.
9. The amount due Bank under the Note and Mortgage as of March 13, 2008 was as
follows:
Principal $29,989.11
Interest through March 13, 2008
(continuing thereafter at $5.1210 per diem) 868.07
Late Charge 100.00
Attorneys' Fees 1,015.00
Costs to be added
TOTAL $31,972.18
10. The total amount due to Bank under the Note and Mortgage as of March 13, 2008
was Thirty-One Thousand Nine Hundred Seventy-Two and 18/100 Dollars ($31,972.18), plus costs and
attorneys' fees.
BANK FIN:321576-1 000011-097225
WHEREFORE, Plaintiff demands an in rem judgment in mortgage foreclosure for the
amount due of Thirty-One Thousand Nine Hundred Seventy-Two and 18/100 Dollars ($31,972.18), plus
continuing interest at the contract rate from March 13, 2008, late charges, reasonable attorneys' fees and
costs of foreclosure and sale of the Premises.
TU R ARENS , P.C.
By:
Brett A. Solomon, Esquire
Pa. I.D. #83746
1500 One PPG Place
Pittsburgh, Pennsylvania 15222
(412) 566-1212
Attorney for PNC Bank, National Association,
Plaintiff
BANK FIN:321576-1 000011-097225
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION,
Plaintiff,
CIVIL DIVISION
No.
VS.
KEITH A. SULTZBAUGH,
Defendant.
AFFIDAVIT OF NON-MILITARY SERVICE
COMMONWEALTH OF PENNSYLVANIA )
SS:
COUNTY OF ALLEGHENY )
I, Brett A. Solomon, Attorney for PNC Bank, National Association, being duly sworn according
to law, hereby depose and say that the Defendant, Keith A. Sultzbaugh, is not a member of the military
service of the United States of America to the best of my knowledge, information, and belief.
Attorney for PNC Bank, National Association
Sworn to and subscribed before me
this C:' X day of J` 2008
EALTH OF PENNSYLVANIA
to Public Notary Seal
Kett' J. Mz* Notary Public
coy Of Pittsburg, Attegtterry c
ply Corrxniss m Boas May 23, 2009
My Commission Expires: Member, Pennsylvania Association of Notaries
BANK FIN:321576-1 000011-097225
(Page 8 of 45)
P.a. I of / MACS Nudwr SSW78
Home Equity Line of Credit-Variable Rate PNCBANK
eortower: Lender: Date:
KEITH A StXTZBAIW PK Bank National Association i11112BlO
Agreement and Dlscloatae Statement
® REGULA ACCOUNT
[] CLUB AC6UNT
Chub Ace t Benefit: percentage points
club arou
0 EMPLOY ACCOUNT
6npioy"Account Benefit: !k
Lower: PIIC Bank National Association
Date: 8/15/20 Payment Due Data: to
Account Numti#r:
Maximum Crop Until: $30.000.00
Name of Sorro arts):
KEITH A SMT1?t1(;il
Address:
806 BRIARM000 LN
A. 0 Not applicable
Q) To open this account, you must pay the folbwirg
CHARGES on or before the date tills account becomes
effective:
I. OTHER FINANCE CHARGES Amount
You may not we any bans from this account to pay the above
amounts.
2. CLOSING COSTS Amount
RIMING kWRTWA s 25.50
RECORDING RELEASES 1 14.00
CARP Nill PA 170110000
PAYMENT OPTIONS
M Principal and interest B. ANNUAL FEE 0 Not applicable
? Interest Only during the Draw Period (j) Annual Fee: 125.00
0 Payment automatically charged to Checking Account
The Annual Foe will be charged to your account during the first
Overdraft Protection Q YES ® NO bMI69 cycle and on the first day of each billing cycle immediately
you may not have both overdraft Protection and charge to followh?g each anniversary of the account, during the Draw Period.
checking. (] The Annual Fee will not be charged dun an year that. on
Checking Account Number: the annIvers.ry of the Account, you area' ' e year the Club
In Namsfal of: Account Benefit or the Employee Account liersolit Identified
in this Agreement.
Q The Annual Fos will not be charged during the first
years of the Drew Period.
Initial Daily Periodic Rate: 0.0273221E per day
Initial ANNUAL PERCENTAGE RATE: 10.000 % per year C. STOP PAYMENT FEE E] Not applicable
Be" Margin: 0.500 percentage points CO Stop Payment Fee: 116.00
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EXHIBIT
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(Page 9 of 45)
Page 2 of e
Home Equity Line of Credit-Variable Rate
Borrower: Lender: Data:
KEITH A SLILU AW PBC Bank National Association 8115/2000
Agreement and Disclosure Slatament-continued
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apse it. At s mat tot in nte as a Sass pass s [era accWdb IS m
ad PN* la It but 10 dap otice to is of Nil in 0"71, a CVCIW40 L
M M You [at to kaF r lem POWT inwm ad's, lp "ft Bred
iaaranCO ad's fall N Fade errents Of Sul mWOM a so. to a" mill, this
Tau dell perdem IN tapior iavanor « .,Fame. I Tsn fail to 0111
noose wain Ass low stage in err Allele d et fay a ptivik a with N Writ
iav*am tae we owl::" arst to tines •v eam% M tea Sao" garaiatae by
apla?icgibq MausMancce- THE INSURANCE PUIICIIASE Will, OF SlfW CMnV
YIIE [1IPENW AND MAY PRONG[ YOU LESS COVERAGE THAN MSIMANCE YOU
COIItD MOOCMASt TOUASEII. AI w lptyq ws holy (1111 deu I i, ail has esN
Mention d am horn this AccotM M stuck what we aim or a vow as ihartl
is prslKl IM etewity it de Maple. le crteia states, tea rseired iersin ray M
oM#W dreul4 a kneed inwan sliary Ntaaoed war Eatdr. This elect wi
seem a fee la pe,tlrq th teei ed envatce. So sddMie , as andaii any Ie
rasFOnsi4 la seas a d of the -6 Ilitl wwrtnce tabs Mad a"tslein leagpnsMron
la aim" inch rats. If sdtlitioW Warov to is taloned mew"
iorata a w
Nli«e aragaaeats bpcow Notaa Contiahred Car%= Assatoom 2750 tasty
Arran hnaburgq PA 1ay222.
Aft Kart sea TOM M son dial 18% aahopled by the aa2. Great insurance. Credit bto nvm. A syaiaw. is at topaN to sbtain
of the l>ailr Parlofit: MEa. T!r Oat Ptrad; M:t
C"ll WE Asmal Pawaepr Rate by pM IN 881 a 44pYerl. r
a. Other Chargg?Cees. ppec
ad In des aNClosing WAdS set tea Costs. t If rs'CYw Coigs Secttin* pSee op on costs at Drs type
IN tale Clomps. We will C* Taa a tau Ginnie cruel to the rsa ve of
120.00 r flees Fir, IL?<1 elde I I Sent each such any M:nan MadMy Fasces
IT all nil wblit 16 days at at do att ph tell Cheep wi M dos if tit nasal the
Fttyntaat bleb 4 aiMa:
Fi @Wbm a to slow Ckpt aeasw w in tafr ptrymeW r
li W.m& alts Mfadl by yen de Babe bdarf on alb apnea is due.
Id Aessud Fee. If pocabY, rw ova chop era a Anti FN in an Mina
ail N 14 Tine sea form a Pep on ad on" path pr 1Meaftel dvrtl
Credit Line Check Fee. Ta wi she T,e a too of 125.00 for
6v us lot ay romm &
0 Otis am" WW popris
1.60 whit cause Yeu 4eulsiadre Frctdl Waece to weed Saar
IS 04W40 81%P etlr vent Fe. + applicable. we sera curse Ter a Stop Parallel! Fn.
ressess M INS a NM ya saerest a N atop ptyaera ea a deck wrilla
M Mtum t:teck FN. TTo tri tkap goo a lp N F20.00 i( pv My?M m
dab seleld h arde with o deck Ihs1 a Mvnd h ds tbewn la 'aN wlt?sn tads'
b hap ntenA M wbich hap d+nt is tnittao.
Pl. Mbllmlan MoMN1r Paymanl. The Miiaaw MwAMV PaysssM will be due
tads eenlh an a Man the myth- oa One stage M Flt W. I Too have selected to
have hap 1 eyetaor1 a 4w*tk* tdwoad N Chad" Accaurtl this wi amr on v
for the royal go lob gab coo. - iki m wYn 14"O ft Positions wi rrnr to
Flow tin dot etsbe tdNaot I I I , on de accosag.
13. You A Fee:
10 io wyiu chits la less ewes 100.00.
M To repay lei ameaas adrowd hrovtist SWUM with a Firana Chap, as
ppaeiW i cis AFoMss«. Tan aka area to pal a? tdtrr ansseMs'kich Itecoa - Mot
Maundy. Thee mckrda, as appkab4. "a Few" ChrpS. Way CArNs. coq aaanq
adrareed is peace as WWAY N On MWIISp a for kkairo t and Cab of CMatiw
Ice TI p?ayd It lent tit Maawn Ia,Ml11 Paya" each ffoo in r bdn der
Payser Due O0.
ed Feat a Rieke bans loth ties WCOUnt wtiCh Will caw the etAStatdiog bdm it
this aceara N My tent to ascad It" Wrenn Credit whirl we how NOW approved a
may e1 eve at atlt t it the lava.
811 NT tit want N any eaa w tscaS N IM Marna Chit
1D to on a such pasond traxisi 11«one"s as we trey Inursi hem We to
tide.
W Not a live is film Warwistion a silaalo.es at any bass a W tnyw who is
not a 0arewa am tit W0004.
IN is palam d obligmans vdet any rtortoopa or soCYay arm at which his
Privity over eta Menpp and is pay i tau. daps a asasstarAs Wbith Mi0d have
poll oven ft Wnepa.
I tk« nor tint the Matgoped Prereses and that they are marinated eraye
tar aactrerasa new «recard.
to Thu Tit will nobly we faerr6«ely in writng in Tar dirge Toe nsidtnce a
Unrest.
onia?T?Lhai it qe Voiti ad rimms as port of t cadisr"n at a p wmW vii
"ssebIll To ten do with
erl"l Pr?awsn. ? vowel as nFo+inad as Araw".
4w6 bale I61 Is rattler this to rte Matlapd Praaims incept ss Femdtd by fadaal
10 To keep tit mortgaged Nantes n ootn order and rayait.
W If pan* am ,gran to nepact ire on$" Premtas troth tier to tor. o tin
oas sable notice
All OF 7NF ABOW PMWSFS AAF AU r1*141 VAUGATIONS IW[fl TNS16A[1A11FNr.
IFOa?t101440- t try
(Page 10 of 45)
Pays 3 of 4
Home Equity Line of Credit-Variable Rate PNCBANK
Borrower: Lander: Data:
KEITH A SULT28AUCis PNC bank National Association 8/15/2000
Agreement and Disclosure Statement-continued
14. Out Agreement to Make Loans. We or" to py cocks, a log a they
N aN cam the PF, 11111M N 011a10 lit Malakoff Gelit Wkltk off itlLL 411w0
id laud on "a" by you wi"1 the thaw Pried ad recird by in Or"ry the
thaw thud r vahro fare business. days dtr the was of the Orrr Pries auspl as
psotidll M tla atdaraa. We wi ref flew m dretk dled drew r 'std h
yes a "wines as tlia sawwt is 1r"Yatd r Notes
ostsAlea, d 11M
• pnlgird r saprdd a ?reriW is tlw A .yes epee
do say docks *also on this st:toad lea b1sxty IMN corks asuol by n (r Mat
W" POW. - I
15. Out Lieb114y. We Issue a sespeo bbty to takes of any wadlino, wwdW4 at
offer poly H }becks r ay ether roses Mith we way print hem time to we to
to stow is smog f IN OM from fhas account.
14. PosstbN; ns Which May Be Taken By tender. No he
X01,11 pe?tesetiggo 111fSi. LwNr tat III WOMM 1110 Knteragtr, C 1210800 YOU It
balance No alitiatN n%Wm d emit 14) o 111 ass& Ym:suiN'a ISI Mali woomfic chaspe
rill are set eerdr sA tin: ap..xrw.
Id ToaiMnation of Account Upon Default. You wi be in default d
Nis ateww wa laminas, slhcOn mvisdisbly. upon our wiling a Notice of Twmorj l
to In is
0 You COMMI 1lAd Of Make a meled roittliftn l tdien ix tserction with
this woms.
N y old to moss any of the ropaynrM iNw IA this A/s«rw it a petod
30 d"L
fall Any of yin alias or flu falem to act shoraly effects w N O04 far
this aecead of as of our rvgs w rRA "Wit . IN nsxgk, ad act by war at
f"ilatoNS N yes aaafr Ii1Y to the "l"op l Fiwai n. or 0% ale ewrer of IM
Praltaln Wow k «Nla aeoorrp in.
fag ttelsretion of the Oulitanartti BNance.
0 Oka pekiilW by Ore. d the ageUr a Teronirwed by aliaull M May.
N VA Sakai NW Mill petits repad it* ad he iNen of my We rapid
lbdm " w fitpict o. Of Nil k11pA. V" we rp M to on ft
a Maass g man «Mi$ Weapa in an NL in Mot on. N yes am is ddadl
whe the pniaN tickets tabd 'Trsessw of Acuott Open INladt' del fill
AMPed ?rad ot,dnrl a Orel aim Out sctotrd a elndy IonrinoloL we awy
oNr p Asa messed bl des d fie nfRatas et war her rtsutes h kta
abork Vu we a title & gds" aka w FavalY its rave bdow awl «
Ili! acaugl M we I Pl On made balance dead Ma k wo ca tail wt W
No « to iro. brarI fn Msrfpp, r take Will soon a pnwltsd a
PW MbylfWNWild titbdwnseil.
N M Tw coo r beam w bu f*n w ISK*iw Amur wilt rottppdd N wallow
fairs) bSi ef11rtfs hM IN ctJd VOW by as be w all payabb «wenwlL Nelk
Aprips lark lira a talked law a "4inl all ere& romW ode the Somali
del dos ledlfYabb w draar I
Id Suspension of Credit Pdvileprs or Reduction of Mexknum
Credit. N say d the walitim listed in hit sKtbe =wL in stay. by weiy a Abto
of all acerk etrferd rum tllaay i. etpw Yew from INS. ssosrrd rrMr
"ales do Ilea a"w sppiaW b tltit aewrrra brig all os/
0 The uM of he Alrtpepsd home! a praidrod by
« sppisd W"
we skink hot hdmd tipnfisal 4 bbw do owsiTN plus to the riplas of
on Wm a we war Maw tiles N an *aa a wasaN N ha Malpm rtmign
N or eetl m. N Six polit oiitiaal nNAiar of aril r row ft a m"11
on wafrtrw peat We" N a siMiNca t Now ig till ssba N he Yrlfesaw
leadf a Wih a wa11w r t1 N Bahia the "taictipigl which rossal ilrlf bi
acsaaaeN b a Faisal N do Mortgages hawsas aaswd by yea et tar
apnea h Ihe plea of on "ask w a praaM shal be allow a a tsmtiid
UpabM by a b"al a cabled roil acre b" M sppsor. a spied br Iwo
a goobol4 asks ftlpdaly. in ft tausf of Items, wMa spprNttll M
ONWAb
w"Mai«pll red etas in the ptorwK else when the usamw
p We revel illy bake" that you will be an able to fdN NW sepfkmagd
WAR ffu Atisewat hecare of a arlaid flags is
IiaaldM
dwoortssaa Hp tirna to tier lea ley repot yyees b pevidde a grand f nw4ld
staMaara b a tow ntiotarasayr side No for ayPaa m 10 INS acquit. To era
to ptwidt Stag frames Isotropyto a rot an hat we pawn kept 11 0161411 N
the sepM. N to "esoullyr beige ON re.r wi be aiY is 6Na the "MYew
Misf4oa kKftrf of a 111tlvitl chops it Your li iscial tsttblifq fro ally pllltiA
fM/ffaowrasYY stMAost N tints! r "wont to Maet« Crew Noon swaot. N yes
KWO ¦ IAM the MMWid chm me feline ousts. you vet pwii to With 1
proof fvsaeid ttMeaetd colt! fordo tale Shop autinp fwrew n"""
Q Twialrwptewwi
Net Years in Mahe N wtve=v"Wiliam. let MM n waresh 13.
Ii lea.iOaAteRff 1*ell rrli[Is>N t>hMlltlx N edatenM faMAblr N east r
she rdKlisa of Nr MaghmM Call am bases them toss If asaL we 1110 1140
In d%" Is peen fttwdias N aedd a hit Actuall fi to f"*§ the
Mattson in&. The --a-- shelf awsw s 8 busiwn dap ofW vre tec I e
wsA talent lire yes axnave ill by rmaaMo eeidernto Ila pr witiat
aside pis rip is Ns trMalilas A loupe seats
a PtWt(bitbn of Additional Extensions of Credit and
Reduction of the Maximum Ciedlt. Additional Ciec rrsstences. We
ray cob Wgeraiy prahil dGtional estoalara of neat a "coo pu listener Cleo
a asq eul Nw arrasrrw SOON in this Seatie Nat swul. we we lea rat rwiw N o
aeosa N do eirrnlemm kbr chance to hr Na esgtatia ae Mtjar mitts, We di1
flea be sbipld M dw eebagM 0 after ad is "tiers gar gait w Wp lei 00
flu ago so he erm is apse stsalbb.
li Tie 1 hie NMe pubkebed it the'Meny Rain' HCON N AN N'N
Sear Ja" the tat bmimus /ev of ft prwesap cabrdr lewnM wsia is
lla'm'a fwia Nr able marls no zn r sure.
a Two Pb* N der selsdy idratt is d"ruly dloded 1
now to ft soup 00 ho eabro of or mwity spans o Yu still 120% of Me
Meie"ascreit.
F6 We re naA by all teprdaery "my hM twi ues dsa¢n caatihft
as W UN r traterd PKtto.
17. Prohibition of Additional Extensions of Credit at Your Request.
Any fl yes Off ITrKt a to frol& loft sttlAions of credit an the scauit. A ndics
=a,4.1 01 sl 1lww w?ho sou do A1: tord to be Aiptt! to ad6titntl bsA «tks soawll
=1 a too" is pehiit f vilter seteAoea of csdit as ha scwutl ry r
ybe trobiitios Ad' sNsdire as r« a we c« waxily act IN stop
tave New Minh wade. AM N you Who we stop" « gas a VMN cot rpue/t in
wary iwleMltrrit N this stood Or Ile sepSI b be sflKtivs.
1S. Limitation of Indobtednsa at Your Request. 111" dekw to we a
Written hones "pawl hr No idrmdau as Yes awarrga be GiM{ our Mipti« is
wake f rtlar laws train ttia eetosrd shelf be weinMM r aAr11eL a frovdd h
applfcslb bW w 111 stab wfwa hf MrlNpe hlffmS it YcataL you WU b isbW 1111
astaromob if 40vibb bw IA* "spot s the Notice d hStaaal of 61flo is in
do stereo. Tw yyaa to acid she min to we of Csrarai"d Catoaet Assistance, 2130
Lbrty Arena Fi bbayk PA 1S222.
111. Costs of Collection. N ptaittel by aapi/db low. if we dal sat r tab
alai" N OW dot WOW ar pslKI the mistral r as sewdlr WAMI in it we del
"No Yes ale cost ad asaaw to de IN. Win till Mortgaged Mtdus it bcabd in
OAS. this dl+ lecbda tamable snrAyi fast ed saffron is the "asiall a erased
P -W wit goubb bw.
20. Chanties to Your Account. We my male the tefswirp Oisaps to dis
ALl (d We wry 04* ttr hulas and maps N lie Iliac appkd* N fit atom it A
low araifrbb. N we do a. we wi dam an ides wih a was ital peesnrnt
aestantially drNa to Its mnwmm of 11100 kdn d we suss theca • raw at?Nw
a hel
IM We Ih1wle h oy wit all Aw NNrlia wa and cog in AmW Pmcmape NMe IASI lglfy
tiNelr N w rata b Nloa a! fr is the ri11iaff tofu bKMs ?ualwdabb
IISO We a woks a my divas dannks ttlw *attich 4 ref ?? w w°ti"I
term of Wks snood. alsolsivocaly twirl yes ?? the raeresrp
a We way wake a stage wlicIs a iaipofsaal aalr apsscabb tdaul Nw
W N yes owe Necad b prtflw gs6t irovau. we toy pas « b tau as
WNW in pe isle far title wean.
M 9 the W Orly thosptl wlicb ps GMWW you Ckrb Attiret treigWn its
the
spreapwN lash M r a M IaI?M NelNb, yea way: 6wq std aAipre? nowWq tes a vAject in boeke total,, to= ad veldow«1Wi11 pwnkj the
CM kwesess of tads an* ' od DA Group.
4 N1o1t win wrilmp Not yes do sal soak to be d4MW to adddiral
ainsilns al ask wady the niou l IN accethan Sigh ft well led a aitias
Mew ilk d secure No tha ft aetrN? st ? daerallies. e *Ah ftM AmaraWas vow l, fta are it
goverving lei M "ntAbdW w dw kW lea iR el dis smbw is
w da ,hate of a AMicMbn is a trader Way S r a N this sel sKow
waidfis so spa PAp& Atma all it fork use the balance is this Kem lea be
-460 N he Ibih Fri/k NMe$ ad Most /rtadep IIMn eppiabb to Mpufar
If N, Isirl sppk16b Iasi, we Iva led you a *fill A1Ke pot to the
afsttiao do N say eMapo. w aeardwe wih hM Isw. N ay tAryn apple to that
seeeud. Chsrrrt lei apply to oulttaAM halrules ad now law asap a othoral*a
21. Mammy Statements. We will nod yw a avoid, s asnoM IN lath bill
cy* in a%*
dal attirit? k flab/ b lea Kaatl
f11 we bltiaa a lism Chirp to you wwo; at
let it 1110 bin! WdW$ Ill anon t is in KordKky r Obis, Owe is a debit or
ootii lalalse is yes a teort it the Bing flat Or save Ktealt is in snow star
that 4 a ON a petit balance Nate ilea 11.10 is leer accord.
Do ebhxerp wit slow draws sumo. fa awn time. fire Move. F"M ws
oleic d the 1Maa wAitb lyaos ors. u Paywnls pups he peal by e dick navy saw.
r offt ioabtbw is 0.8. &UM 4110 am be "skim by a d the ton um ty1Mt
ficb111 as rv so* Maworn. Any Niailial a alfi ate N fora suer std a TRf
suet fa tsanSip ptpple? a hall etnad. Itpblt Yes Affil a w wragf d frtrt is for
tfM tlilkw NO an it" Ref Ntf d is press! for tiaa«I Ad be cmwuw
K1pMN by yes we trod At poi s amwad d We Nip two Ktorad
wodK bb r y deforrxtti w4ck« psao p ba" base stand by a. N Nan is
W" Ihes m so low. aadl enrol Nw 0 Na aaapr r teal is aM Koo0 by of
to pK it shed M so"WerM carat a to ad seapad by as of cwt. N pre is mro than
so NaefdYa. w? lei "N the MOM" to ft led awswr dwit1w so peps eA.
22. Chec" on Your Account. We snot ratan is chalks awe on yes Kowd
aM nil.
22. Postdated and Stab Dated Checks. hpodun d taws 40uW is
psWNi d Malt dam dreb w ovanclibo red basartiNt « repdar dal!1r'g
dA rtlit Ad Aph to clack, we& fit Apr... Your spa Net Is ate pstalted
241. Step Payment. hetodirn d bM aspfcabb So IMP pepWa N lacks is
telsralra tuft arrKUw a leggier cketluq soap/ 1A+lf ap1? b tbetk/ node Nis
Ap a ars. Oq hprle Mars coo abjetd NO a In A ffr bhp /fyprw Ia am too in
pep R.9 it 40CAN. you way pion a Sep pynal rdw at Sir blanch ft5cf. r
W "IS: eatriitN canner Assistance, 2130
Lclbrrotll Is atlistl j to lsl 2f%t21
25. ConMlNrdeafotts Cone.mirlp as led wets. ALL
W nIT TOO TO N11 C EIIN1Nf OINWTEO Kill, MClf01N0
Aa M T MMNEO AS 1`9$1, SAMEACT10b OF 111E ACCOaaT. SNOWD
SE 1111T TO CENTNALRES CUSTOMEN A111o111TANCE. 1130 UKOITT AVINN1.
PRT11SN K PA 111222.
26. flodest . We all NOW motor to Too to gar tat km" W*ns in all malt.
Netias tees N hot Hbnt lea be effort" to so Purpose bail this A?= to , We lei
sold hew h rraapp?d/t? pies vsdas !Flbcsbk Iew ilia m err see wrm7ed w "ptoad
waT. Rabat 41sa1b lee lesres otArwiu. a glee "M to ay of yes shit be
cexsodrd seat M tN of yea, and a palm rat vW by the am ef you dull be wrwirrd
sewied by r of roe
27. Tax DeductldOtl?. you dad/ csadl s Its almor rs"ttinp fa "albby
el WAMS &4 Christ tar Ike atca".
Wave petbdod b? Oawrstrd cation item imposing des Awed 2111. Podolia Cradle Review. M w spieK via roar omen updated aro It bureau
p R M posrdd w toil Apearm. repro d lawns eoriliwtsro on per u ale se
eranrMy awtsry to PNep cur bpernts.
UOmurOeNG r r o. Original
Page 11 of 45)
Page 4 of 4
Home Equity Line of Credit-Variable Rate
Borrower: Lender: Date:
KEITH A SULTZBAUGH PK Bank National Association 81ISi2000
Agreement and Disclosure Statement-continued
29. Remedies Cunlldalive. It my tarcfmira M1t which wadi paint to to and povnirfs shat be pealed by aid cornUued in Kesmdmi With the laws of
leagaa* I~ further ISIMi ru of UM M on this Kcvun Of reduce the trdn brit Of Pennyharia: pKWWSI ttetlera nfatilg 10 the Mlacetfed of to obbpetiom staled in
1MaiMe doe declare end Kwbds the balance. W we may take such Kties d any toe thn Ateeeaem aid mallet relatq ta fit trawgq Palladian and enterctmm of the
durity Wddn audit ci tustaacs continues to tiat• ard Oil our rarr - s undo this seounty incest ucur+p ties Ageemtm shall be gerested by the taws of the state wwt
Asnamrnt ante be rrreddive deed rot douninne. enlacement. prarnal or perfection takes pace
30. Delay In Enforcement. We can delay in educing my d six rods unki this EACH Of YOU ACANOXIOGES RECEIPT Of A COMPLETED COPY OF THIS AGREEMENT
AgNaeet eyMIMgM Ms"1 slew Atry Waiver by tat el ny grovnoa of tAS Ageotmem are AND BY SIGNING THIS AGREEMENT INDICATES YOUR INTENTION TO BE IEGAIIY
set be a w" of de sane st any etw Vermin on my other occasion. BOUND BY THIS AGREEMENT. INCI UOING THE PARAGRAPHS ON AIL PAGES Of THIS
31. A•elaruraaent you ally not design as otherwise va alai sw agbts aid pinbtges AG
14
Oda IM AEline M MMpte vowabYgMrao to repay e+ewiu You ewe w. Any
SHOO to dedigt a tidhpdo win be r6d Ord at h AIIKL We nay design ate dead d 01
w riBW fad
a
is
rea - d any fine vrkb d year consent A persodel to wham w.
d
A
r j
/ ?(\
( 7
.
?
,.
. .
a
?.
maim tli! A?wnM 1ha1 bs ae1i1111 td al el w rights tPda tie t AgrtaRed More of
YaldgMs or di
pliero Ad to 811111N by sloth UI* MtM.
TH A S T1BA iG/1 Date
Srgnptnre xE l
/
32. 8svesebBNy. If an provision of this Apes is held to be werabd a
erdfo clabie. stick dderanif~ she not affect the tafrdnl Of adaclAilitv of tea
Irnreug Positions at Oil Arowsm. arrow«l Srrutrrr rote
33. Waiver. Bonswor at Ownrltl waive M deftmn based on stetlds6p and
flip i1RNN of wattell Or le uoy. f ach War fill." ties iterated win is not a Bor+ewa. and dues not Mat ft tight to
34. Your lbeepon*Nfties. N moo th» one of you has send this Ageened, all obtain loam on the account, is agreeing Only to be briefly beard by the train of this
of Tall are egdey a sgiomala. coviddaev and topow. to a to Orynent in fug tl tAS Agreement 1916104 Ill the Matiap. to the Mortgagtd Pleuras. will to insurance on the
'
K=N ad pefIer+eaat el at ebbpetioln fads this AEp~, s babnbty is briefed to the Owners interest in the
Mortgaged Pienafn Tie Owr+el
35. Customer Interfnstiat. To serve our customs oornptfy and efficiently. PNC Mortgaged Preunses
Bin CW 1101"Miea shag Customs HansKtion end espamic6 :damson though a
wwa) bell alalobw systaa we stM1 Over custom idoraelion drecth rd though s
-
tadd do*". N yell do net win us to More this etw edamnert pine wain us at --,-- -- -- - - - -- ---- ---- ---
Owner" Spwtue Date
PNC BoA. P.O. Bet 88066. Mtsb orgh. PA 15226. Be two to inbtAe vw wore. sddrnl
ad sto nt n their.
36. GOVerrdnB Law and Construction. Tfrt Araeeem has been accepted by
w w hinivblatis ad all law shall be estsealod by us to You in Peneyhrod. Reorients Ownr's S gnatue Dale
of tint Itefe el Yap IetiONO M 00 PIK$ ht which IN aemlld M eypkauort you apt$
Thal its terrisims of Mis Ateoo mall rofa6q to invest Marys and sus shall to
lavolflM ban aN ONUM l in KC*danw wdh fedad taw rd. M made appkabia ty
Word Idea. Pweyhaba 4w. Unless peottpled by lddraf tow. env u4statere tams
AoraoMont Index. The ivies is for convenience aid refrrnce. it shall net bruit the rw •r¦rw r steer of ann paragraph r section 'BR' islets to the Bite Rytis Notice berew. 'H'
friar le the I4ada d IM rap of pare ere. ihe nners refr a 119 paagaphs of tins A¢ernem
Asttyralion e! tlr aMearorrg Oalanco .. _ _. 161111 DolertBens.. .... l Owns
.._.A Delay nadonmen. 30 Pad in full Checks 25
.... .... H.Nd Dnrytddebis 611.25 Paymemsppieaon 10
Amital Porcanep Rata H.701,71ol.711Rmi1 Draw period. 1.3 Palmed One Date. K I
Asaigalen-_____ 31 Eaploya Account H.1 Palmed Options H.wel
Allemys' hie __)9 fn"" Cfwps . 47 Pasmrnts 9
., It p«odre crrat neew 18
Aetrtp Daly ttalnnia _ --- ........__7al Nteed inwrmt
Bade Magic - ---- H Genrel description of account. 2 Propetts nwnue . -,.If
.1 Governing is* 36 OaBtans about tax bra M
BR btdea ION" Religlanof MasrnanGetistmt IG(CLIVA
21 tan charps 86) Regular Actwn. . .. _ ._ _ H.1
Btrfetya'inlpmMaitef ___- _.____ _ ..13.34 EgyNMS _ 19 Remrdtrs 29
BrOusr's right to snapfrtd oodn . 17.18 1ontW .. ... H.1 RepaNnem Pelted 1.3
GMnpa in On utotnl. 20 tenders liability . .15 Return Crack Inn . 8
Closing =sit MAW Merge . .. 111101 Secuns Arty .- _.. _. 6
CbAAteount?.-. _H.1.4 MatrObligations eleerreeret Il Severabibl? ... ........-__..32
COMP41 __- -.,,$ Merisern Crtbt Lont .. 141 Step Pertinent
owila 11pat"I 19 Momarn Mrahay Pavnenl 9 Stop Part em Ian H. eel
CaAlcosts M_-_ 19 Moetitystelrlentl 21 suspension at C1rdlprndeps 161d.164.17.18
Griot inwartw_ ._. _ 12 Mortgage 1.6 4r Oeducl Mbry _ 21
Comm MIOUwon .35 Mortgaged Property 1.6 lernwlron of Account. .1, Mal
D*f Ishoo - _ _- 7111! Notes - . 25 25 Variable rate 7111
Oeiy ?aio4 Rate _ 1014 1 Othet changes 6 want 30.33
Default is Overdasr ptroci,m M.5 Writing chechs 2.14
Your Billing Rights - Keep This Notice for Future Use.
Ties notice contaro.npartam i fomataa about you nights and out respons"Ises nrdr fie far Cnotirt Billing Act
AleOff Us As Cat of Fins r Ovestsive About Yw M
M yen diab van M is 0r10111 or d you noN men WWMMtoe AW d lrmactm an you bill. wine as on a teparra sheet at CentraBred Custom Assistance. 2730 LibrtT
Avam fhfteOnegR PA 11222. Wane to IS de $ent de pnselr. We MAI hear from you re later than 60 loss drier wt said you the fief Won which its error r pabkem sppeaned. Tam
cap ttaYplare a, but"sr will not passive you ryas.
In you letter live us Ito lollowin@ information:
- Tar twee MM1 KCMtnt raerber.
- The dear anoan of the suspected error
Oosudre tie rror end *,PINK it you cot why you believe there is an rtr H sou need mire vdormalWk descrtae rte Olin you are not sue about
Yew AyMs& A Aleaopreida er AMr We Recow Pw Wnnan ft a re.
Jeep yw bttr weer # 1:0 fors. ailen s wt hate enactedtine w,w by teen
elf thbr BO days. wo abet rear correct she rem or erpa t why at horse than be on Correct
Aft M trustiest yaR WIS. win coal uy to caeoct any anew ye+t questtal at report you as delipqueM We cap CoMunat 10 bail yea tai fhe among you person 1lrAAfq
bWo chrya, old we can I@* any urpad arnotan against your Cretin bat You do not rate to pas eta prallered amount whi4 we are rornt4stq but you are star ettboaled to par
The pull N Yeti bill IM at al in fpeltlaa
N an foul that we wade a rest** on you bit you we rot bass to pay any hone dieters related to any questioned arnou t if we tldn'l mabe a intake. you aW have to
lacy lier[? tftagtt 6b pia lair tease G make nq anT rristN Myttsde on IM tyaestrored aneneO In either case. ear win sand you a staement at the anouM pia ewe ad fill data that
M id de
11 tar fat top" she arrwu t Ifsn wt thril you am. wt may tepon owes Oaknpulnt. ifonovr. ail opt rsplanaton roes not s«rsfy you and yea saints to w wnbn fen days
teens us that you sligmuse to ear. art inal left -- ,,tae we resent Toll to that "ohm a *mIr n about you bull Aid. wt nest gel you the Pare of anyone at reported you to We
owl Ire agar we up a you to the the Ru tlr has been ullh l between re whoa a hnaiv is
Mire don't lose* these rtes, wa cal 1 collect the fall 150 00 of the rpestrntd arnurt. ere- d yea lid was roman
crow r oasoo 'It,
;Page 16 of 45)
OWAC1 No" Imoll
Open-End Mortgage PNCBA?NK
;This Open-End Mangoge Secutos Obligatory Future Advames)
THIS MORT6A" b wm a se sl lWIM . The lfimpgar is 1111TH A ilUT2eAtfiH.
U Wen is are Mte11 sus. dw wiN'tAertloler• heroin refers teoscA w d Wei thorn The MpIt n a P40 W Natiwtsl A"sdee.
TIN weld •Iefflshr' eNiul UEITN A IVUHAIIN.
a Ows s.tell then ow IM wood •llar"W herein Was to sub ord u1 of tAaa
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at ? 3I.f111.0/ L
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take bla t 661 dN Inw Ietbd el she Acwt *weak"" het eY al do mu t wr q tv& i wfihei tow by 10 tons frsw tee .patty of de
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odroa I .leer the Accool ielore I - «t win/ my tlwW weed he t e r aIWin of asfl Nei ll. " w atowwW a ooetiidd i the Alreerhwl. IV the Arnsawc sensor"
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EXHIBIT
I ',Page 17 of 45)
Acknowled tnent taken in ih STATE F PENNSYLVANIA, JCOUNTY OF
On ft Ian befpt w. f r%?,t? l -- ?_ ` mf
rrldersiped ?fisSrt-?_-,t'7,e •s Bret ! en lick w daadw of iNC IA. Motional Ass"W9. person+h oppeared
Z.4 d -/ E b41. Inowrs N rrptw uuslactenly paroN biTii' >) whew
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_« ^ Witless ww"t t ut Mrd offs itl sod
A'.:.?r:
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Camp f !.•.
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fAy (;.xruts&sia-s
MM-W. f'!n:srvyna A ;?Wl.: ,t rr ?t n Tdb jR `y ---
Afdavit of Subscribing Witness loo rot use d Mortowts, ackro»ted9w the Mortpape. Aftdard nest be uten in cocsdy *two Proporty a socuettl
Before ow a olary pubic We certifies thm hotshe is rot an elicit a *Mw of PNC $VA. Netting Assoaattid. personals appeared -
_. the sutrsairrte wreress to tie adlre Atorltape. nm berq duly sworn artertteq 10 law. depasos old sacs 1110
hehhw Wm WW WY txosedf at the eteetf"M saw Morlyap. sa'a Its wdho r a tAar pipill _
ad _ - -^ s" as luSiMNw act red deed wed 6@611 sad Mkt jAp far the purpoaN tleroi? act fortk Wd
0A the sane of Ois drpomrtt 411M omits as srtbsabsq wants is of depWnl's oy+n proper hartds?rdsq
Srasaibeq Witness
Sawn to lied ubludied before no ills
Notay Public
Certificate of Residence: t
Mort" W'S town resdoea is Commler town Camw. 2730 tdnts A.trwy. Pdt"tk PA 16222.
Agent for ?ewtospe
IIECOADIO in the STATE OF PENNSYLVANIA. COUNTY Of _ on the • by of
. in do Office of the Harder of floods in still for sad Cornty in Moritape fiook Yonne pope _-
10TI11E33 as hail d the uaf of tad office Ute day d ray alwesad.
Recerdw
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U.PNCBANK
Date of this Notice: January 11, 2008
Keith A Sultzaugh
806 Briarwood Lane
Camp Hill, PA 17011
ACT 91 NOTICE.
TAKE ACTION TO SAVE YOUR HOME
FROM FORECLOSURE
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 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 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 REDIM1R SU
HIPOTECA.
HOMEOWNER'S NAME: Keith A Sultzaugh
PROPERTY ADDRESS: 806 Briarwood Lane, Camp Hill PA 17011
LOAN ACCT. NO.: 040-03-048014933511
ORIGINAL LENDER: PNC
CURRENT LENDER/SERVICER: PNC Bank, NA
EXHIBIT
Member of The PNC Financial Services Group 7
Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222 r -------
$PNCBANK
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 full out, sign and file a completed Homeowner's
Emergency Program Application with one of the designated consumer 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.
Member of The PNC Financial Services Group
Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222
PNC BANK
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:
806 Briarwood Lane, Camp Hill, PA 17011
IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following
amounts are now past due:
Monthly payments in the amounts of $337.65 for each of the months from November 2007 through January 2008
Other charges (explain/itemize): Late Charges for $60.00
TOTAL AMOUNT PAST DUE: $1,031.84
HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice
BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $1,031.84, PLUS ANY
MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAYS
PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent
to:
PNC Bank, NA, 2730 Liberty Avenue 2nd Floor MailstoD: PS PCLC 02 N Pittsburgh PA 15222
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 mortgage.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 actually incurred, up to $50.00.
However, if legal proceedings are started against you, you will have to pay all reasonable attorney 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 fees
OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other
sums due under the m41.of The PNC Financial Services Group
Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222
GPNCBANK
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 Sheriff's 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 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 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: PNC Bank NA
Address: 2730 Liberty Avenue 2°d Floor Mailstop• P5-PCLC 02 N Pittsburgh PA 15222
Phone Number: (412) 762-1618 or 1-800-878-0027
Contact Person: Carrie Stewart
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 not sell or transfer your home to a buyer or transferee who will assume
the mortgage debt.
YOU MAY ALSO HAVE THE WIGHT:
• 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 ANYJHIRD 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.
Very truly yours,
Thomas Wittman
PNC Bank, National Association
cc: I" Class U.S. Mail, postage prepaid
CONSUMER CRED1V9ftWtEV" t'A'6# )8 9'VING YOUR COUNTY (see attached)
Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222
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Cumberland County
Urban League of ycrocolitan Hamsburg
2I07N6"St
Harrisburg, ?A 17101
(717) 234-5925
Fax (717) 2=2-1985
yWCA of Carlisle
301 G St
Carlisle, ?A 17013
(717) 24:-3818
r ax (71 948
Consumer Credit Counseling Sz^+icc
2000 Ling!cTOwm Rd
Harrisburg, ?A 17102
(717) 5-i-1757
in: racial Counseling Sc^r'cc of Framklin County
31 W3 rd St
Waynesboro, ?A 17268
(717) i62 :?85
VERIFICATION
I, Darnella Ganaway, Attorney Relations Manager, and duly authorized representative of
PNC Bank, National Association, depose and say subject to the penalties of 18 Pa. C.S.A. §4904 relating
to unsworn falsification to authorities, that the facts set forth in the foregoing Complaint in Mortgage
Foreclosure are true and correct upon my information aaCbelief.
Attorney Relations Manager
PNC Bank, National Association
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SHERIFF'S RETURN - REGULAR
r
CASE NO: 2008-02205 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PNC BANK NATIONAL ASSOCIATION
VS
SULTZBAUGH KEITH A
KENNETH GOSSERT Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE was served upon
SULTZBAUGH KEITH A the
DEFENDANT , at 0010:35 HOURS, on the 10th day of April 2008
at 3 LEMOYNE DRIVE
LEMOYNE, PA 17043 by handing to
BARBARA DELAROSA
SECRETARY
a true and attested copy of COMPLAINT - MORT FORE together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs: So Answers:
Docketing 18.00
Service 15.00
Affidavit .00
Surcharge 10.00 R. Thomas Kline
nn
Hllw,t?4 ?h-J .00
43.00
04/11/2008
SRL
Sworn and Subscibed to By:
before me this day
of A.D.
f
i
*
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION
Plaintiff, No. 2008-02205
vs.
KEITH A. SULTZBAUGH, PRAECIPE TO SETTLE AND DISCONTINUE
Defendant.
Filed on behalf of PNC Bank, National
Association, Plaintiff
Counsel of record for this party:
Brett A. Solomon, Esquire
Pa. I.D. #83746
bsolomon(a.tuckerlaw.com
Michael C. Mazack, Esquire
Pa. I.D. #205742
TUCKER ARENSBERG, P.C.
Firm #287
1500 One PPG Place
Pittsburgh, Pennsylvania 15222
(412) 566-1212
k.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION, ) CIVIL DIVISION
Plaintiff, ) No. 2008-02205
VS. )
KEITH A. SULTZBAUGH, )
Defendant. )
PRAECIPE TO SETTLE AND DISCONTINUE
TO: PROTHONOTARY, CUMBERLAND COUNTY
Kindly settle and discontinue the action filed in the above-captioned matter in favor of the Plaintiff,
PNC Bank, National Association, and against the Defendant, Keith A. Sultzbaugh.
TUC R ARE E , P.C.
By:
Brett A. Solomon, Esquire
Pa. I.D. No. 83746
1500 One PPG Place
Pittsburgh, Pennsylvania 15222
(412) 566-1212
Sworn to nd subscribed before me
this day of May, 2008
??u (11_? ?c
Noublic
My Commission Expires
COMMOMNEAL.T_H OF PENNSWA
?lat?rial Seal
K ??"'arY Public
City of V. ,4 firyg
A#/ Cprtr, ., Pr6s May 23County
, 2000
} UWnbw, olation of Notaries
NotarW Seal
Ketly J. PriV* Notary Public
City Of pktsr qh, AfthwW County
=10m May 23, 2000
fiber, Pennsylvania Association of Notafte
BANK FIN:326032-1 000011-135741
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