HomeMy WebLinkAbout04-0733UDREN 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
National City Mortgage Co.
d/b/a Eastern Mortgage
Services
3232 Newmark Drive
Miamisburg, OH 45342
Plaintiff
Brian C. Hancock
Paula D. Hancock
213 Walnut Dale Road
Shippensburg, PA 17257
Defendant(s)
ATTORNEY FOR PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
Cumberland County
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, PA 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. Hace falta ascentar una comparencia escrita oen
persona o con un abogado y entregar a la corte en forma escrita sus
defensas o sus objeciones a las demandas en contra de su persona.
Sea avisado que si usted no se dafiende, la corte tomara medidas y
puede continuar la demanda en contra suya sin previo aviso o
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 o sus propiedades u otros
derechos importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOC4%DO
O SI NO TIENE EL DINERO 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.
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 of the 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.
/s/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:
Recording Date: ~/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
The information regarding the Mortgage being foreclosed is as
follows:
MORTGAGED PREMISES: 213 Walnut Dale Road
MD-NICIPALITY/TOWNSHIP/BOROUGH: Southampton Township
COUNTY: Cumberland
DATE EXECUTED: TO BE OBTAI~-~D
DATE RECORDED: TO BE OBTAI19~D
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
(b)
02/18/04:
below;
by failing or refusing to pay other charges, if any,
indicated below.
The following amounts are due on the said Mortgage as of
Principal of debt due $126,069.35
Unpaid ~ntgrest at 8.375%
from 10/01/03
to 02/18/04
(the per diem interest accruing on
this debt is $29.33 and that sum
should be added each day after
02/18/04) 4,048.15
Title Report 250.00
Court Costs (anticipated, excluding
Sheriff's Sale costs) 280.00
Escrow Overdraft/(Balance)
(The monthly escrow on this account
is $266.82 and that sum should
be added on the first of each
month after 02/18/04) 240.60
Late Charges
(monthly Sate charge of $49.60
should be added in accordance
with the terms of the note
each month after 02/18/04) 148.80
Other Fees Due 17.32
MIP 113.10
Attorneys Fees (anticipated and actual
to 5% o3 principal) 6,303.47
TOTAL $137,470.79
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 prior to the sale, reasonable attorney's
fees will be charged in accordance with the reduction provisions of
Act 6, if applicable.
8. The combined 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 $137,470.79 plus interest,
costs and attorneys fees as more fully set forth in the Complaint,
and for foreclosure and sale of the Mortgaged premises.
Attorney for Plaintiff
Attorney I.D. No. 04302
he,eLM,fOrt, menCtdm~d~ IO~owle~."~. Off~ee tn
~ ~r~l ~7 ~uc~ ~ a~ ~, ~O,~ e~ ~ s ~*~ ~ ac
Mortgage
January 06, 2004
National City Mortgage Co.
3232 Newmark Drive · Miamisburg, Ohio 45342
Telephone (937) 910-1200
Mailin~l Address:
P.O. Box 1820
Dayton, Ohio 45401-1820
Brian C Hancock
213 Walnut Dale Rd
Shippensburg PA 17257
Loan No. 965454-3
Current Servicer: National City Mortgage
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date).
NATURE OF THE DEFAULT-- The MORTGAGE debt held by the
your property located at:
213 Walnut Dale Rd
Shippensburg PA 17257
IS SERIOUSLY IN DEFAULT because:
above lender on
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following month(s)
11/01/2003 - 01/01/2004
and the following amount(s) are now past due:
Monthly Payments
Late Charges
Other Fees
Less Suspense Balance
Total Due 4,052.72
3,944.86
99.20
8.66
.00-
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
HOW TO CURE THE DEFAULT
of the date of this notice BY PAYING T~{E TOTAL AMOUNT PAST DUE TO THE
LENDER, WHICH IS $ 4,052.72, PLUS ANY MORTGAGE PAYMENTS AND LATE CH~LRGES
WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD.
Payments must be made either by cashier's check, certified check, cash
or money order made payable and sent to:
National City Mortgage
Attn: Customer Counseling Department
3232 Newmark Dr.
Miamisburg, OH 45342
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)
DR672 JCS Page 1 - ACT 91 NOTICE
¥ J.181HX3
Mortgage
Natio.a! Cit~ Mortgage
3232 Newmark Drive. Miarnisburg, Ohio 45342
Telephone (937) 9 t011200
Mailing Address:
P.O. Box 1820
Dayton, Ohio 45401-1820
January 06, 2004
Paula D Hancock
213 Walnut Dale Rd
Shippensburg PA 17257
Loan No. 965454-3
Current Servicer: National City Mortgage
HOW TO CTTRE YOUR MORTGAGE DEFAULT (Bring it up to date).
NATURE OF TRE DEFAULT-- The MORTGAGE debt held by the above
your property located at:
213 Walnut Dale Rd
Shippensburg PA 17257
IS SERIOUSLY IN DEFAULT because:
lender on
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for
11/01/2003 01/01/2004
and the following amount(s) are now past due:
the following month(s)
Monthly Payments
Late Charges
Other Fees
Less Suspense Balance
Total Due
3,944.86
99.20
8.66
.00-
4,052.72
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
HOW TO CURE THE DEFAULT
of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE
LENDER, WHICH IS $ 4,052.72, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES
WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD.
Payments must be made either by cashier's check, certified check, cash
or money order made payable and sent to:
National City Mortgage
Attn: Customer Counseling Department
3232 Newmark Dr.
Miamisburg, OH 45342
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)
DR673 JCS Page 1
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE.
This Is a~ official notice that the mortgage on your home is In default, and the
' lender Intends to Foreclose. Specific Infor~taflon about the n_atu .m. of the.defau, lt
"is provided In. ~e'attached pages.
The HOMEOWNER'S MORTGAGE ASsISTANcE PROGRAM (HEMAP) may'be abl~
to help ~ave your home. This Notice e~lalns ho~, the pro;ram wo~(e. ..
To aee'I~'HEMAP can help.~'you must MEET WITH A CONSUMER CRF_,DIT COUN-
SELING AGENCY WITHIN 30 DAYS OF'THE DATE OF THIS NOTICE.'Tal(e this
Notice with you when you meet with the Counaei~tj Agency.
The name. add.mss and phone numbe~ of Consumer Credit Counseling Agencies.
esrving'your County are Included wlth this N0tl~,e. If you have anY questions, you
may call the Pennsylvanis Housin~j Iflnance Acjenc~ toll.free at 1-800-342-2397.
~,Pe~ons wP,~ !m--~ hearing can call (717) 780-1869).
· This Notice contains Important legal.informatIon. If you have any quesflo.~s,...
~ representatives at the Consumer Credit Counseling Agency may be able to help '
explain it. You may also want to contact an attorney in your ama. The local bar
assoclation may be able to help you find a lawyer. :
LA NOTIFICAClON EN ADJUNTO ES D~E SUMA IMPORTANClA, PUES AFECTA aU'
DERECHO A CONTINUAR VlVIENDO ER. au CASA. SI NO COMPRENDE EL
CONTENIDO DE ESTA NOTIFICAClON OBTENGA UNA TRADUCClON
INMEDFFAMENTE LLAMANDO ESTA AGENClA (PENNSYLVANIA HOUSING Fi-
NANCE AGENCY) SIN CARGOS AL NUMERO' MENClONADO 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
HIPOTEC.A-
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE. PROGRAM
· YOU MAY BE ELIGIBLE FOR F~ANCIAL ASSISTANCE WHICI~CAN SAVE
~ YOUR HOME FROM FORECLOSURE AND HELP YOU MAKEFUTUR.;
.' MORTGAGE PAYMENTs.
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE EUGiBLE" "
FOR EMERGENCY MORTGAGE ASSISTANCE:
· IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR
CONTROL
IF ~OU 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.
TEMP-~RARY S't"A~Jr'OF FORECLOSURE - Under ~he Act, .you are enflfl, ed to a ternpo-
rary stay of foreclosure on your mortgage for thirty (30) days from the date of this No-
tice. During that time you must arrange and attend a 'face-tO-face' meeting with one of
the consumer credit counseling agencies listed at the endof this Notice. THIS MEET-
lNG 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 'HOWTO CURE YOUR MORT-
(~AGE*DJEFAUL'P'. EXPLAINS HOW TO BRING YOOR MORTGAGE UP TO DATE.
CONSUMER. CREDIT COUNSELING AGENCIES -,if you meet with one of the con-
sumer c.redit c=.u?!,seling agan. cias listed at the end of this nofl.ce, the lender may NOT
take action against you for thirty (30) days after, the date of th~s meeting. The names.
addresses and telephone numbers of designated consumer credit counseling agencies
f_or:the coug_ty, j_n y/hicb the property ts located are set forth at the end of this Notice. it is
only necessary to sc~sdule one face-to-face meetin;j. Advise-you~ lender immedia, tely
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 fq? flnanclaJ assistance from the Homeowner's
Emergency Mortgage Assistance Progr'~tn.. To db so, you must fill out, sign and file*a
completed Homeowner's Emergency Assistance Program Application with one of the
designated consumer cred'~ coiJnsellng 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. Pennsylv~la Housing Finance
Agency. Your application MUST be filed or pos;~larked within thirty (30) days of your
face-to-face meeting.
· YOU MU~FILE YOUR APPLICATION' PROMPTLY. IF YOU FAIL TO DO'SO OR IF
YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTJ~IN THIS LETFER,
FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND
YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED.
~GENCY ACTION - Available funds for emergency mortgage assistance are very
limited. They will be disbursed by the Aganc7 under the eligibili'~, criteria established by
The Pennsyivania Housing Finance Agency has sixty (60) days to make a decisioh 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 JN
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 M0rtgage Assistance.)
IF YOUDO NOT CURE THE DEFAULT(see I~aqe '1)- If you do not cure the default
w~in THIRTY (30) DAYS or,he date ofthis Notice, the lender Intends to exercise its
rights, to accele _ra_~. the mortc;aqe debt. This means that the entire c~utstanding balance
of this debt will be considered due immediately and you may lose the chance to paythe
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 fom. clcee ur~on your m0rtqage rzrol~erty..
'IF THE MORTGAGE IS FORECLOSED UPON- The mortgaged property will be sold by
the Sl~e~iff to pay off the mortgage debt. If the lender p~fers your case to its attorneys, but
you cure the delinquency b~fore the lender beglns 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 al]ainst you, you will have to pay all
reasonable attqmeys' faeS actually incurred bY the lender even if they exceed $50.00. AnY.
attorney's ~ 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 f30} DAY period,
you will ;;c,t b" ~-~!~d to pay attorney's fees.
OTHER LENDER REMEDIES -The lender may also sue you personally forthe 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 ~ured
the default within the THIRTY '(30) DAY period and foreclosure proceedings have begun,
· you s~ll have the ric~ht to cure the default and orevent the sale at any time uo to one hour
before the Sheriff's Sale. You may do so by I~avtn;; the total amountthen oast due. olus any
late or other charcles 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
writina by the lender and by i~erforminc; anv0ther requirements under the mortqaqe. Cur-
ing your default in the manner set forth in this notice will restore your mortgage to
the same posYdon as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF's sALE'DATE- It i~'estimated that the .earliest date
· that such a Sheriff's Sale of the mortgaged property could be held would be apprOxi.
mately FOUR(4) months from the date of this Notice. A notice of the actual date of the
Sheriff's Sale ~ll be sent to you before the sale. Of course, the amount needed to cure the
defat~lt will increase the longer you wait. You may find out at any time e×actiy what the
required payment or a~on will be by contacting the lender.
HOW TO CONTACT THE LENDER: Name of Lender: National City Mortgage
Address:, 3232 Newmar'4 Dr. Miamisburg OH 45342
Phone Number: 1-800-523-8654. Fax Number:. (937) 910-4057
Contact Pemon: COLLECTIONS DEPT~
EFFECT OF SHERIFF'S SALE.--You shou;d realize that a Sherffi's Sale will end your
ownership of the mortgaged property and your right to occupy it. If you continue to live in the'
· proper[7 after the Sheriff's Sale, a lawsuit to remove you and your furnishing and other
'belongings COuld be started by the lender at any time...
ASSUMPTION OF MORTGAGE-You may or may'not be able to sell or transfer your
home t~'a buyer or fl~sferee who will assume th.e mortgage debt, provided that all the
outstanding payments, charges and attomey's fees and costs are paid pdor to or at the
sale and that the other requirements of the mortgage are satisfied. For additional infom'a-
tion please contact the Collection Dept.
You MAY ALSO HAVE THE RIGHT:
TO'SEI~ I THE PROPERT~ TO OBTAIN MONEY TO'PAY OFF THE MORTGAGE DEBT
OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF
THIS DEBT. ~,
TO HAVE TI"~IS '~ -
DEFAULT CURED BYANYTHIRD PARTY ACTII~G ON YOUR BE-
HALF.
TO HAVE THE MOP.~I GAGE RESTORED TO THE SAME POSITION AS IF NO DE' '
FAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT
HAVE'FHIS RIGHTTO CU RE YOUR DEFAULT MORE THAN THREE TIMES IN ANY
CALENDAR YEAR.)
TO ASSERT THE NONEXISTENCE OF DEFAULT IN ANY FORECLOSURE PRO~
CEEDING OR ANY OTHER LAWSUIT INSTITU'~D UNDER THE MORTGAGE DOCU-
MENTS.'
TO ASSERT ANY. OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH
ACTION BY THE LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW..
. OCT. 1?, 2002
NATIONAL CITY NO, 1219
APPENDIX C
PENNSYLVANIA HOUSING FINANCE AGENCY
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
-CONSUMER CREDIT COUNSELING AGENCIES
~DAM.~ COUNTY
~17) ~T.3788
FAX ~17) 637-3294
~S ot Western PA
~00 Llngleato~ Road
~ardsbu~ PA 17102
(717} ~1-17S7
FAX (717) ~1-4670
(717) 762-3~e5
(717) 8~-1518
(Mania Hess}
H1~ 4~9-2842
F~ (412) 4~.28~5
FAX (412) ~38-996~
1 (8~) 792-2801
FAX (412~391,4512
(412) ~-19~
(4~2) ~-4802
FAX (412) 261-5207
:(412) 462,9962
~ST~NG COUN~
Indians Co. Comm~ni~y Aclion
Indian& PA 1~701
F~ (724} 4~.S 118
401 w~ SIr~l, Suiie 906
Pilmburgh, PA
(412) 338~9~
1(8~) 737-2933
F~ (412) ~8-9983
~VE~ COUN~
Action ~usi~,
FAX (412)
CCCS o~ Western Pennsyrvan~s, inc.
(724) ~4-0798
Coumy.
(41~ 4~2-~62
P.O, ~x ~
AX (~12 ~8-9963
BEDFORD ~UN~
(814) 623,9129
(~14) 944.~Ioo
(~14)
Hum[ngdon. PA 1665~
(614)
CCCS of Lehigh VsIle.~
Whitehall PA 1805Z
(610) 821-~011 or e00-2~.0-2733 (014)
FAX (s~0) ~-aa3~
Econom~ Op~un~[y C~ine[ 0f
Sch~ll Coun~
~5 N. ~ntm ~tmet
(717) 6~-199S
FAX (717) 622-0~29
(610) 444.3882
FAX (610) A44.8243
~rR CO~N~
Bedto~-FuEon Ho~s~ng Se~ces
R,O~I, ~% 384
(814) 6~9129
FAX (814) 623-~187
lg54 Ma~ Grace ~ne
(814} 535~
F~ (814) 539-1688
2;7 ~. P~nk Road
Nl~a PA 16602
(814) ~4-8100 o~ (814) 944.5747
Hunti~on, PA 1665~
B RADEO~D COU~
C~S o[ Nenhe~em PennsyNanl~
14~ ~n ~ecu~ Pa~, Suite 1
W~lkes-Ba~m, PA 1~702
(570) 821~37 or 800~22-9537
FAX (570) 821,1785
Streudsburg PA 1~60
~70} 42o.aae0 o[ ~9~.9537
(S70) 420-898 ~
F~ (814) 23B~69
(570) 278~33~ or 8~-962-4~5
(570} 297-2 ~ 0i
~70} 928~8
X (570) 928~144
(570) 836~0
FAX ~70) 83~-63~
(Rev. 6~
(570) 724-52~2
FAX (570) 724-S783
931 ~in
FAX (570) 253~817
FAX (215) 76~1427
(215) ~4.7500
F~ (215~
8u~s Courtly Housing Group, Inc,
Lahghome, PA 19~7
(2~5) 750.4310
FAX (215) 75~4318
CCCS ot Delaware Valley
(215)
{2t5) 426-8025
X (215) 7~4-~12
White~l. PA 1~2
FAX (~10)
(888) 212-6741
1~ E Dekalb Pike
FAX [610) ~65-48t
(~15) 444-~29
FAX [215) 956~344
~u~couN~
~MoKeesporl, PA 15132
FAX {*12) 6~873
M~-V~Iey Umampl~ Committee
Ho~slead, PA 16120
~412} 4~-9~2
AX (~12) 4~964
Housing ~unl~s Inc.
P.O. Box 9
F~ (412) 6~-oB73
{412} 3~g~ or 1(800)
FAX (412)
C~RtA COU~Y
Be~to~-Fu~ Hou~ng $e~i~es
R,D.St. ~x 384
(814)
F~ (~14) 62~71B7
(81a) 944,8100
FAX (814) 94a-5747
Program
(412) 46~2657
(914) ~-6555
FAX (814)
CCC5 ot Weslem PA
~34) 539-6~35
53S Easl Main ~tmet
$ome~t PA 15501
{8~4) 445-9628 or 1-800-462-0148
F~ (814) 443~630
CAMERON COU~
No,hem Tier CommunRy
Co~.
P.~. ~ox 369
~35 West 4~
EmDor~m, PA 1
, (814) 486-1161
' FAX (8t4) 486-0~5
CCCS of Wesmn PA
; 217 E. P~nk R~d
. AItoona PA 16~2
: (a~4) 944-81~
~814~ ~44-5Z~7
'217 E. Plenk Road
~(814)
:FAX (614) 944-5747
FAX (570)
NATIONAL CITY
3671 Cresanl Coup* Eaal
FAX ~E 10) B21-0137
FAX (570) 587-9134/9135
FAX ($70) 821-1756
FAX (570) 420-8981
(014) 2:)8,3668
FAX (614) 238-3680
(570) 455-4984 HAZELTON
FAX (570) 455-56~1--CALL BEFORE
(914) 944-8100
Action (STEP
AX (570) 3~.-2197
(B14) 238-5665
FAX (914) 238-3669
FAX 570) 322-2197
[215) 765,1223
FAX {215) 76S-1427
(215) 324-7500
FAX (215) 32-~-B753
(215) 563.5665
RACE
167 W. AJle0hany Ave, 2nd Fi,
Ph~laa~eJphia. PA 19140
(215} 421),8025
FAX (215) 426-912~
¢ommunily Housbqg Counseling/nc
P.O. 1~3x
Kennetl Square, PA 19340
~6A1O) 444.3602
X (61 O) 444.~243
Media Fellow~t~ip Houso
(810)
FAX (810) 565.8567
(215) 557-7808
FAX (215) 903-9941
(H.O.only)
(215) 744-2980
FAX (215) 744-20~2
(610) 874-1494
(215)
(888) 212-6741
(1)10) 971-2210
FAX (610) 265-4814
(21 (;) ~44-9429
PAX (215) 956-6344
.~A_ RION COUNTY'
(412) 292-7512
~.,E~_4.RE~LO COUNT~.
AX (814) S39-1681)
(724) 465-2657
CCCS o( Nor[hem. stem FA
1631 $ Alherio.q SL, Suite 100
Sial; Coi~ege, PA 16801
(814) 238-3669
FAX (8 t4} 238-3669
(814) 539-8338
(STEP)
FAX (570) 322,2197
FAX (~70) 1)21-1785
(570) 587-9163 or 600-922.9537
FAX (570) 587-9134/8135
C.~rnmlssion on Eoo~omics Opporturt~y
(570) 826-05~0 OR 1-800-622-0359
FAX (570) 829-1665--CALL BEFORE
~;5A70) 455-4994 HAZELTON
X (570) 455-5631-~CALL BEFORE
(57D) 836-4090 'rUNKRANNOCK
.~AWPORD COUNTy
Erie, PA 16503
(8t4) 898-0400
FAX (B14) 891).1243
(41Z) 981-5310
OCT, 17. 2002 10:36AM
(412) 6~-1590 ,
FAX (~.12) 664.0~73
(412) 3~-9g~ o~ 1(~) ~7-2933
FAX (412) 336-~63
(a14) 623.9129
(412) ~6~2657
(614) ~556
FAX (814) 539-1688
(814) 53~335
(814) 445-9628 or 1-800-452-0148
FAX (814) 443~6~0
~MERON COU~
Com.
P.O. BOx 389
135 West 4~h S~me[
FAX (814 486-0825
GCCS of Westen PA
(814) 944-81~
~Z814~ 944-5Z47
~(814) 944.8100
(570) 622-Ia95
NATIONAL CITY
3671 Cresent Cour~Easl
' ~tgh~l[ PA ~6~
~0 & 814 only
F~ ~t0) 821.0~37
(570) 587-9163 OR 1~922-9537
FAX (670}
(570) 821~7 Or 8~-9~-9537
FAX ($70)
S~roudeb~tg PA 18360
(570) 4~8980 or 800,g~g~537
FAX (570) 420-~al
(814) 238-3~8
FAX (570) 8~9-1~ALL B~FORE
(570) 45~9~4 H~ELTON
(570) 8~6-4090 TUNKHANNOCK
(a~4) 944-8100
Communl~
A~on (STEP
(814) 2~668
FAX (814) 23a-3669
FA~ ($70) 322-2197
(215) 765.12~1
FAX (215) 7~-1427
(215) 324-75~
NO, 1219
HACF
167 W, AJl~;Iheny
Ph~t3ctelphla, PA 19140
(215) 426.802~
F~ 215 426~1~
Commu~y Housng Counse ~g nc
K~ ~uare, PA 19348
(610) 444~682
FAX (610) 444~243
Media Feil~i~ Houso
M~a, PA 1~63
(610)
F~ (810)
Phlla Co~nc[I For
(215) 567.7~3
~AX (215) 963-~41
439 E. King
~17J 387~182 OR 1-~0-788-~62
(H.O.only)
F~ (717) 3~-4127
(610) 874,1484
(21~)
(888) 212-6741
[~10 971-~10
(21;) ~-g429
FAX (215) 956.63~
(8~4) ~-6556
FAX (814)
(7~) 465-2667 '
(814) 944-8100
?.
FAX (814)
CC~ of W~lerq PA
219-A Collie Pa~
Johnsto~ PA 159~
(814) 539-6335
~ON ~UN~
STEP}
(570)
FAX (570)
CCCS ol No.astern PA
SLate Oo~iege, PA 16801
~814)
AX (814~
CCCS ot No. Stern PA
570) ~627 -
FAX (570 3~3-6626
~ cou~
P.O. aox 1127
Wilkes-barre, PA 18702
(570) ~1-0837 OR 1-800-922-9537
FAX {570) 821-1785
C~a~s Summitt, PA 1~11
(570) 567-91~ or
F~ (~0) 587-91~135
163 Amir
Writes-Baste, PA 18702
(570) 8~6.0510 OR 1-80~822-0359
FAX (570} 8~I~GALL BEFORE
FAXING
(570) 455~9~ HAZELTON
FAX (570) 455-5631~ALL B~FORE
(570) 836-4090 TUNKHANNOCK
~WFQRQ ~U~
~ker T. Wa~ln~on Cen~er
~de, PA
(614) 453.57~
(814) 45g.45~1
FAX (a34) 456-0161
John F, ~enne~ Cenlar, inc.
(8~4) aga~4~
FAX (81&} eg8,1243
(412} g81-5310
(?~7)
FAX (717)
.OCT. I7, 2002
Franldln
1717)
N. 6th Street
(717)
FAX (7~7)
(7~
PAX (7~7) 731
(71~ 232-9757
FAX (7~7)
Ge~, PA 173~
(717) ~-15~
FAX (717) ~1~70
(717)
FAX (717)
(717) 2~-3757
FAX (717)
(215) 765-14~7
Phtladd~hla~ PA I~141
F~ (215)
FAX (21~)
(e10) ~5,0846
(610) 444-3682
NATIONAL CITY
PhlJadelphia ¢oun~[ For Communily
Sure 600
(215)~67-7~3
Group
4~O GrOom
Ph~ade~ia, PA 18124
FAX (215 7~2012
~eric~ Red C~ess
~729 E~mont Avenue
Che~ter, PA 1~13
(610) 874-1484
CCCS ot ~la~m Valley
Media, PA 19o63
ACCI
Wayne PA 1~67
(61~) 971,2210
F~ (610) 6~-7860
ACCI
~ng ot P~ssla, PA 194~
(610) 571-~10
John F, KenneW ~nler, Inc.
(814) 898~00
FAX {8f4) 898-1243
(814) ~6-1161
F~ (814) 48~825
ao~er T. W~hm~on Cen~e~
1720 H=~
(e~4 453-5744
FAX 614)
Gr.=teK Ede ~mmuni~ Aciion
Commiflee
18 West 9th St~et
Ede, PA 16501
(814)
F~ (s~4)
~021 Easl 20th S~eet
E~, PA 16510
~8~4) 898-~0
AX (fl14) ~8-1243
{412) ~1-1956 Ot {4~2) 2BI-2302
FAX (412) ~1~512
~24) 852-~893
(724~
Fayet[e Co, Comm~i[y ~on ~e~y.
Uniontown, PA 1~01
[724) 437-6050 OR 1,~427.1NFO
FAX (412) 437-4418
(514) 445-9625
FAX (614) 443-3690
(724) 439-9939
(412) 462-9962
X (717) ~43-3948
(717) a4~..4 t 76
(?'17) 637-3768
FAX (717) 637-3294
FAX (717) 23'~-222.7
{717) 234-5925
PAX (7t7) 23~-3459
(717) $41.176'/
FAX (717) 334-8926
($14) 623-9123
FAX (814) 623-7167
(717) 762.3265
NO, 12 9 ?. 8
Weelhedz~{ion Olfice
(814) 643-2343
{412) 391-1~6 0z (412) 261,2102
FAX (412) ~91 ~51
(412) 462-9~2
~4) 852-36~3
FAX (412)
(724}
814) ~3-9129
FAX (814
(8;4) ~4-8100
FAX (814) 944-5747
(72~) 63~-1290
FAX (412) 465-5118
(E14) 539-6~5
~~u~
(814) 898-~00
FAX (814) 898d243
OCT, Il. 2002zlO:37kM
217 E. Plank Road
Aftoona PA 16602
(914) 944-610g
FAX (~14) ~4-5747
917 M~fllln Slmel
Hunl~on, PA 1~2
(814) ~3-2343
~AC~WANNA
GCCS Ct No~aslem Penns~vania
31 W. Mabel
(570) 821~837 OR 1-800-9~-9S37
FAX (570) 821.1765
14~ ~n~ Ex~u~
(570) ~7-91 ~ o r 8~955~537
FAX (570} 587-g134~135
~ANCA~ER~OUN~
P.O, Box 2~
FAX (215) 444~178
~CS e~ Lehigh Valley
(215) a21~011 1~00-~0-2733
~717} & (814) ONLY
AX ~15) ~1-8932
912 S~ George
Yo~, PA 17403
(717) ~6-4176
(717) 397.5182 OR 1-800-788-5062
FAX ~17) 399~1~7
CCCS of Weslem Penn~vania
North Mill
New ~stte, PA 16101
~24) 652.8074
312 Cheslnal SIf~I, ~uite 237
Moselle PA 1~
Shenan~ Ve~iey Uf~n ~eague,
~24) 981 -S3~ 0
Courtly
(724) 72e.7202
FAX ~4~2) 728-7202
E~n~i¢ Op~unl{y Cab~ne~ ct
~hwl~ Counly
(570) ~2-1995
FAX (~0) 6~429
439 E. King Stmel
(717) 397-~182 OR
FAX (717)
NATIONAL CITY
CCC$ ct Lehigh va[lay
' 3671 Ctescenl Cout~ Ea$1
(610) 921-4011 OR 1 -~30-220-2733
(570~ & (914) ONLY
F~ (610) 821~2
Co
FAX (570) ~29
FAX (570) 82~-1785
F~ (570) 587-933~135
F~ (570) ~I~ALL B~FORE
(STO) 4~5.4994 H~ELTON
FAX (570) 455-5631~ALL BEFORE
(ST0) ~6~0 TUNKHANNOCK
(570) 622-1995
FAX (570) 622~429
LYCOMINqCOU~
(570) 587-9163 or ~-922-9537
FAX (~70) 587.9134~13~
FAX (570) 323-6626
(STEP)
(570) 3~6-0587
FAX (570) 322-2~ 97
MCKEA~U~
(814) 8~8~400
FAX (834} 898-1243
YMCA ~ui~ng
(~4) 282-7~12
~IN COU~
217 E. Pl~k
(814) ~4-8100
FAX (814) 944-5747
(814) 238-3~8
FAX (814} 2~3689
F~ (570) 8~-17~
F~ (570) 587-9134/g13S
(570} 42~980 or 800~32-9537
FAX (57~} 420.8981
(570) 8~6~510 OR 1-8~-822-035~
F~ (570) ~29-166~CALL
(~0) 455.4994 HAZELTON
FAX (570) 455-S631~ALL BEFORE
~GOMER~
(215) 76~1~1
F~ (215) 765-1427
FAX (215) 324-87~
(215) 5~-5865
(610) 277-~63
P~ (610) 2~-2123
COGS ct Delaware Valley
1516 Markei Streel, Suile 1325
Philadelphia, RA 19107
(215) 563-5665
FAX (215) 8,64.2666
Communlly Housing Cour~selors fnc
P.O, ~sx 244
Kennell $c(uare, PA 19348
(~15) 4'~ 4-3682
FAX (216) 444-6243
(610) 565.0645
Phiia Council For Community Adv~
100 Norff~ 171h Streel, Sulle 600
(~216)
AX (215) ~-9941
Coaie~lle, PA 19~0
(888) 212-6741
144 E. Dekalb Pikc
(610) g71-~10
FAX (610) ~65~814
755 Yo~ Rd., Suite 103
(215) 444-9429
FAX (215) 956~34~
31 W. Ma~kel
(570) 831-0837 OR 1~00~-g537
F~ (570) 821.1785
~QR~A~UN~
717) & (814) ONLY
FAX (~I0) 82~.893~
NO~T~~
FAX (570) 8~I.17~
(570) ~3-6627
(570) 622-1995
FAX (~70)
p~E_RRY
CCCS of Western Pennsylvania. Inc,
;~000 Llnglee~own Road
Harrisburg. PA 17102
(717) ~1-1757
FAX (717) ~1-4670
(717) 762-328S
(717) 2~-592~
FAX (717} 234-~
¢~T. 1 ~
917 Mifflin
(814) 643-:
~1 G 8tre~
Carlisle,
FAX (717)
Community
(717] 23g.-9
tAX (717) 2
(215} 765-1 ~
FAX (215) 7
(215) 324-75
FAX (215)
CCCS Of ,~e~
(2~16)
FAX (215)
(215) 663-56
HACE
(215) 4z~-a02
FAX (~15) 79c
(610)
FAX {651)
(~tS) 978-0224
FAX (2~5) 7~-
X (215) 963-
(8B8~ ~12~741
:^TIONAL
~l~es-BAtte, PA 18702
~70) ~f-~7 OR 1-800-~.9537
~AX ~70) 8214785
Cla~s Summ~ PA 1~11
570) 5~7~1~3 or 800-9~-9537
;AX (570)
~mu~u~ PA 1~0
· X (570) 4~8981
~po~, PA
~X (814)
.;HUYLKILL COU~
~aget Cau~ellng Center
,X (610) 375-7830
~X (570) 6~429
~ Amir ~
0) 82~510 OR 1.8~3~
~ [570) 829-16~-
FORE F~ING
'3) 455~994 H~EL~N
~ (670) 4SS-5~I~CALL B~FORE
~ (61o) 821,8832
~DER COU~
; ~17) ~1-4670
~14) 6~-7187
~0. 1219
CCC$ Of Wesieol Penns3dvenla, Jno,
(814)
T~ $e~s lnc,
X (~14
(570) ~?-91~ OR 1-8~-922-9~7
F~ (~0) ~7.913~135
FAX (5?0) 821~178S
(570) 297-2101
(570) 9~-9668
FAX (570) 926.8144
(570) 724-~2
F~ (570) 724~783
~5~01 25~8~1
~ (570) 25~817
(570) 83~40
FAX (570}
F~ (570) ,278- 889
14~ Abin~on ~ti~ Pa~, Sure
(570) S87.~1~ OR 1~922-9537
FAX {~0) 587-91~136
(570) 821~837 or 8~922-9537
F~ (~0) ~1-~785
(570) 297-210
FAX (570) 297-2799
FAX (570) 297-2799
(570)
FAX (570) 9~8~144
(;70) 724-5252
F~ (570) 724-5783
(~0) 253-8941
F~ (570) 25~4817
(570) 83~6~0
F~ (570) 836-63~
?.
7 !..~ke AVenue, Box 339
(570) 276-3338 or 1-800-902-4065
lAX (5?0) 278-1889
TIOGA COUNTY
CCC8 of No~l~eastern Pennsylvant;
1400 Ab~o~ Exec~Ove Park, SuSie
(870) 587.9163 OR 1-800.922.6537
FAX (570) 587.8134/9135
31 W, Market SI.
~;~70) 521.0837 or 800-922.9537 X (570) 821-1788
Troy, PA 16947
(570) 297-2101
FAX (570) 297.2799
German $1reet, P.O, Box 389
FAX(570)297.2799
570) 928-2668
FAX 570) 828-8144
17 Creflon Stmel
Wellsboro, PA 15901
(570) 724-~252
FAX (570) 724-6783
(570) 253.8941
FAX (870) 2~,3-4817
Tunkhannook, PA 18~7
~70)
X (570) 8~332
7 L~e Avenue, Box 338
Monlm~. PA 1~801
(570) l~-3~8 or 1-80~82~0~5
FAX (570) 278-1889
Lwom~ Co Com~ Fo~
{570) 326~587
F~ (717) 3~-2197
217 E, P~nk Road
~o~a PA 1660Z
(~1~} 944-81~
CCOS of Norl~as[em ~ennsylv~ia
(570) 587-9163 OR 1*800.922-8537
F~ ~70) 567-9134/9~35
(570) 821-0837 or 800-g~-9~37
FAX (570) 8~1,1785
(570) 323-6627
FAX (S70) 323-~26
(8~4) 459-4681
FAX (814) 656-0t61
(814) 89~400
FAX (614) 898-1~43
- OCT. I7, 2002plO:39AM, .
(412) 2B2-7812
{{114) 4.~3.$744
FAX 4614) 455.5749
{F814) 45g~581
AX (814) 456-0161
FAX (B14) 723~510
F~ (412)
(72~)
(724)
(412) ~4-15g0
FAX (4f2) 6~873
(4~2) 462-9~2
F~ (412)
{412) ~-9954 or 1(800) 737-2933
~AX (4~2)
1~ ~n~on Ex~
FAX (~70) 587,9134/91~
(570} 8~t-0837 or
FAX ~570) 821
' FAX (570) 4~0-8981
{~0~ 297-2101
NATIONAL CITY
(570)
FAX (STO) g2~144
W~m, PA 1690f
(570) 724~S2
FAX (57o) 724-~83
~ST0
AX (570 ~-4817
103 Wa~n S;~;, P.O. ~ox 709
4570)
(570} 278~8 Or 1-800-~045
FAX (57~) 27~1889
~S~ORELAND COU~
Aedon Housing,
4~ 6th Avenue, Sure
Pltf~urg~, PA 15219
(412) 39~.~6 or (412) 281-2102
FAX (41~)
~mmunJ~ ~o~ Southwest
Wa~esDu~, PA 15370
(724) 852-2893
CCOS of W~[em Pen~syivaNa. Inc,
1 No~ Gate ~uam
Gme~u~, PA 15601
GCCS et We~em Pennsylvania, Inc
(72~) 43~939
Houeing O~unille~.
FAX {412) 6~-~
(412 462-996~
FAX 4724) 4~-511
(8t4) ~3~556
FAX (B14) 539-t~
(814) 44~28
F~ (814) 443-3690
FAX 4412) 3~-9~
.y/yOMING
Common E~ios. Oppo~unily
(570) ~510 OR 1~0~-~5g
FAX (570) ~-I~5~CALL BEFORE
FAXING
(570) 4~4 H~ELTON
F~ (570) 455.S~A~L ~EFORE
(570) e~0 TUNKHANN~K
FAX (570}
~ST0) ~7-2101
~ {570) 297-2799
F~X[570~7-279~
(570 724-S~2
FAX 570) 7~4-5783
(570)
FAX (570)
(570)
F~ (570)
y~COUNTY
FAX ~1~ 637-~94
~17) ~4-1541
FAX (71~
(717)
FAX (11~ ~.8326
Mortgage
January 06, 2004
National City Mortgage Ca,
3232 Newmark Drive · Miamisburg, Ohio 45342
Telephone {937) 910-1200
Mailing Address:
P.O. Box 1820
Dayton, Ohio 45401-1820
Brian C Hancock
213 Walnut Dale Rd
Shippensburg PA 17257
Loan No. 965454-3
Current Servicer: National City Mortgage
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date).
NAImORE OF THE DEFAULT-- The MORTGAGE debt held by the above lender on
your property located at:
213 Walnut Dale Rd
Shippensburg PA 17257
IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following month(s)
11/01/2003 01/01/2004
and the following amount(s) are now past due:
Monthly Payments
Late Charges
Other Fees
Less Suspense Balance
Total Due 4,052.72
3,944.86
99.20
8.66
.00-
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
HOW TO CURE THE DEFAULT
of the date of this notice BY PAYING TH~ TOTAL AMOUNT PAST DUE TO THE
LENDER, WHICH IS $ 4,052.72, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES
WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD.
Payments must be made either by cashier's check, certified check, cash
or money order made payable and sent to:
National City Mortgage
Attn: Customer Counselin¢
3232 Newmark Dr.
Miamisburg, OH 45342
Department
You can cure any other default by takin9 the following action within
THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable)
DR672 JCS
Page 1 ACT 91 NOTICE
EXHIBIT A
Mortgage
Natioaa! City Mortgage Co.
3232 Newmark Drive. Miemisburg, Ohio 45342
Telephone (937) 910-1200
Mailimg Address:
P.O. Box 1820
Dayton, Ohio 45401-1820
January 06, 2004
Paula D Hancock
213 Walnut Dale Rd
Shippensburg PA 17257
Loan No. 965454-3
Current Servicer: National City Mortgage
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date).
NATURE OF THE DEFAULT-- The MORTGAGE debt held by the above
your property located at:
213 walnut Dale Rd
Shippensburg PA 17257
IS SERIOUSLY IN DEFAULT because:
lender on
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following month(s)
11/01/2003 01/01/2004
and the following amount(s) are now past due:
Monthly Payments
Late Charges
Other Fees
Less Suspense Balance
Total Due
3,944.86
99.20
8.66
.00-
4,052.72
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
HOW TO CURE THE DEFAULT
of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE
LENDER, WHICH IS $ 4,052.72, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES
WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD.
Payments must be made either by cashier's check, certified check, cash
or money order made payable and sent to:
National City Mortgage
Attn: Customer Counseling Department
3232 Newmark Dr.
Miamisburg, OH 45342
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)
DR673 JCS Page 1
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
" FORECLOSURE
This Is a~ official n.otlce t~at the mortgage on your home Is in default, and the
· lender Intends to Foreclose. Specific Infor~nation about the na_tu .m. of the..defau, lt .......
'* is provided In. the'attached pages.
The HOMEOWNER'S MORTGAGE ASS~'TANCE PROGRAM (HEMAP) ma,v'be able
to hel~ ~,ave your home, This Notice explains ho,~ the pro;rem works.
To see It"HEMAP can he~p,~'you must MEET WITH A CONSUMER CREDIT coUN~
SELING AGENCY ~/THIN 30 DAYS OF'THE DATE OF THIS NOTICE,'TaI~® this
Notice with you when you meet with the Counseling Agency.
The name. add,rase and phone number of Consumer Credit Counseling A~encle~
serving your County are Included with this N0tice. ff you have anY questions, you
may call the Pennsylvanis Housing Finance A~nc~ toll ;~e at 1-800-342-2397,
{P~sona ~ ".-'~'-~ hcering can call (717) 780-1869),
' ThIs Notice contains Important legal.lnformaflen. If yo,u 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 D,E 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 FI-
NANCE AGENCY) SIN CARGOS AL NUMERO' MENClONADO ARRIBA. PUEDES
SER ELEGIBLE PARA UN PRESTAMO POR'EL PROGRAMA LLAMADO
"HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL
PUEDESALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU
HIPOTECA. ..
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE. PROGRAM
· YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE W~ICH CAN
~ YOUR HOME FROM FORECLOSURE= AND HEJ, P YOU MAKE FU'TURF
,* 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 ASSISTAHCE:
· 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 ESTABUSHED
BY THE PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMP-~RARY STA~T'O F FORECLOSURE - Under ~he Act, .you are entitJ, ed to a tempo-
tory stay of foreclosure on your mortgage for thirty (30) days from the date of this No-
rice. During that time you must arrange and attend a 'face-to-face" meeting with one of
the consumer credit counseling agencies listed at the endof this Notice. THIS MEET-
lNG MUST OCCUR WITHIN THE NEXT (30) DAYS, IF YOU DO NOT APPLY FOR
EMERGENCY.MORTRAGE ASSISTANCE.,YOU MUST BRING YOUR MORTGAGE
UP TO DATE. THE PART OF THIS NOTICE CALLE[;) 'HOW TO CURE YOUR MORT-
GAGE'D~FAUL'P'. EXPLAINS HOW TO BRING YOOR MORTGAGE UP TO DATE.
CONSUMER..CREDJ'r COUNSELING AGENCIES -~Jf you meet with one of the con-
sumer credit co.u,n, peling 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
fo_r:the_tb~_~_u~ty, jn ~hicb the property Is located are set forth at the end of this Notice. It is
only necessary to scl'.;sdule one face-to-face meeting. Advise'you~ 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 f~r financial assistance from the Homeowner's
Emergency Mortgage Assistance Prograh~.. To db 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. Pannsylvap. la Housing Rnance
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.
L~G2[NCY ACTION - Available funds for emergency mortgage assistance are very
limited. They will be disbursed by the Agency under the eligibility criteria established by
The Pennsylvania Housing FinanceAgency has sixty (60) days to make a decisioh after it
receives your application. Dudng that time, no foreclosure proceedings will be pursued '
againstyou 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 bankrdptcy you can still apply for Emergency Mortgage Assistance.)
IF YOUDO NOT CURE THE DEFAULT(see 13ate 1)- If you do not cure the default
within THIRTY (30) DAYS of the date of this Notice, the lender Intends to exercise its
rlahte, to accelerate the mortqacle debt. This means that the entire outstanding balance
of this debt will be-~:~nsidered 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 fore. close ul~on your mort~aae orol~ertv.
· IF THE MORTGAGE IS FORECLOSED UPON- The mortgaged property will be sold by
the Sl~ejiff to pay off the mortgage debt. If the lender ~efers your case to its attorneys, but
you cure the delinquency before the lender beg ns leg.al proceedings against you, you w~ll
still be required to pay the reasonable attomey's fees that 'were actually incurred, up to.
$5Q.O0. However, if legal proceedings are started a§ainst you, you will have to pay all
reasonable attqraey~' foe~ actually incurred by the lender even if they exceed $50.00. Any
attorney's foes 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 (301 DAY ;3eriod,
you will not b-- '?',.'."~d 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 ~ured
the default within the THIRTY'(30) DAY period and foreclosure proceedings have begun.
you s{Jll have the rfl3ht to cure the default and Drevent the sale at any time uo to one hour
before the Sheriff's Sale. You may do so by I~avina the total amount then hast due. olus any
late or other charges then due, reasonable attorney's.foes and costs connected with the
foreclosure sale and any other costs connected with the Sheriff's Sale as soecified in
writinq bythe lender and byl~erformina any'other reauirements under the mortgage. Cur-
lng Your default in the manner set forth in this notice will restore your mortgage to
the eame 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 approxi.
mutely FOUR(4) months from the date of this Notice. A notiCe ofthe actual date of the
Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the
defalJit 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:. National City Mortgage
Address: 3232 Newmark Dr. Miamisburg OH 45342
Phone Number: 1-800-523-8654. Fax Number: (937) 9t0-4057
Contact Person: COLLECTIONS DEPT~
EFFECT OF SHERIFF'S SALE.-You should realize that a Sheriff's Sale ~nll 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 furnishing and other
'belongings Could be started by the lender at any time..
ASSUMPTION OF MORTGAGE-You may or may not be able to sell or transfer your
home to a buyer or fr~nsferee who will assume th.e mortgage debt, provided that all the
outstanding payments, charges and affomey's fees and costs are paid prior to or at the
sale and that the other requirements ofthe mortgage are satisfied. For additional informa.
tion please contact the Collection Dept.
YOU MAY ALSO HAVE THE RIGHT:
TO'S~ ~EL THE PROPERT~ TO OBTAIN MONEY TO~ PAY OFF THE MORTGAGE DEST
OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF
THIS DEBT. ,,
TO HAVE THIS DEFAULT CURED BYANYTHIRD PARTY ACTING ON YOUR BE-
HALF.
TO HAVE THE ~P.~I GAGE RESTORED TO'~HE sAME POSITION AS IF NO DE- '
FAULT 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 DEFAULT IN ANY FORECLOSURE PRO-
CEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCU-
MENTS.'
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH
ACTION BY THE LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW..
NAT[O[ AL CITY i 0. 12 §
APPENDIX C
PENNSYLVANIA HOUSING FINANCE AGENCY
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
- CONSUMER CREDIT COUNSELING AGENCIES
,~DAM-~ COUNTY
American Red Croas~
Hanover Chaplet
Hanover, Pennsylvania 17331
(717) 637-3766
FAX (717) 637-3294
COCa of western PA
2000 Llngleslown Road
(717) 541-1797
FAX (717) .541-4670
(717) 762-3285
(717) $34-151§
FAX (717) ~4-3325
(Ma=ia Hess}
(412) 42.9-2855
FAX (412) 398.9969
1 (800) 792-2801
FAX (412)-361.4912
(724) 852-2893
(412) 6~4-1906
Fax (412) 664-.0~73
(412) 227-4802
PAX (412) 261-5207
(412) 462.9982
Indiarea Co. Comrpunlt,/Action
Program
52.7 Waler Street, BOX 187
(?24) 485.265?
FAX (724) 465-5118
1(800) 737-2933
FAX (412) 338-9363
(412) 391-1956
FAX (412) 391-4513
(72~-) 774-0788
(724) 728-7511
(41~} 462-9962
(4121 462-.~964
(412) 338-9994 or 1(800) 737-2933
FAX (412) 336-9963
BEDFORD ~.,OUNTI~
(814} 623.9129
FAX (814) 82.3-7187
(814) 944-8400
(814) .635-6656
(814) 643-2343
CCCS of Lehigh Valle)'
Whllehall PA 19052
(610) s21-4011 or 800-22.0-2~'33 (814)
FAX (610) ~2.1.893~
Eoonomio Oppodunity Cabinet of
$=h uylJdll County
22,5 N. Cenffe 8lreet
PottavllJa, PA '~7901
(717}
[~AX (717) 622-0429
P.O. Box 24.4
(610) 444-3882
FAX (610) 444-8243
Bt~m cou?Y
8ad,oral-Fur{on Housing
R.CJ/1, Bog 394
Everett, PA 19537
181;4) 623-2129
FAX (8141 523-7197
Keystone Economio Development Corp
1954 Ma~ G~aco Lane
F814} $35.66,56
AX (814) 639-1688
217 E. plank Road
(814) 944-8100 of (814) 944,5747
Weatheri;~atJon C~fice
Hunli~lgdon, PA
(814) 643-,~343
CC, CS ol Northeaslem Perlnsylvanla
1400 A. bJ~n Executive Par~, Suite 1
(F570) ~87..9163 OR 1-300-922-9537
AX (570) S$7-9134/9138
31 W. Mat~e{
(,570) 821-0637 or 660-922-9537
FAX (570) 8~1-1738
(576) 420-8960 Or B00-822,9537
FAX (870) 420-8981
(814) 238-366~
FAX (814} 2383669
(6701 297-210i
FAX (570~
?. 6
(Rev, 6/c4
Wellsbofo, PA 16901
(570) 724-3252
FAX (570) 724-$783
831 Ma~ S/reel
(570)
FAX (570)
Philadelphia, PA 19130
(215) 765.1~1
FAX (215) 76~1427
(215} ~4,7500
FAX (215) 324.87~3
8uc~ Counly Ha~sing Group, Inc,
(2~5) 750-4310
FAX (215) 75~318
COOS of Delaware Valley
Philadelphia PA 19107
FAX (215) 864-2666
HACE
(~15) 426-80~5
FAX ~15~ ~26-~122
CCCS of Derawam Valley
(215)
Commu~y DeveL Co~ of ~rank~
~bila~e~&, PA 19124
(215)
FAX (215) 744-201~
GCCS ol Lehigh
FAX (610)
~aiesvlfle PA 19320
(~8) 212-6741
King of Pru~ia PA 19406
610-971-2210
FAX (610) ~65-4814
755 Yo~ Rd. S~le 103
(~15) 444-~29
FAX (215) 956~344
~ cou~T~
P~ti~urgh. PA 152~9
(412) 391-19~ or (412) 291
;~ (412) 391~512
COGS ot Wes:em PA
(7~4) 282-7812
OCT. 17. £002 ,10:36AM
6~u ~,o~omle .~t., SuSie 207
..,.~k~Kaeap,oA, PA 15132
FAX (412) ~.0873
(41~)
Housing Op~du~l~i~s Inc.
P.O. Box g
F~ (412) 6~73
(412~ ~-9954 or I(~0} 73~-2933
(814) 62~.9129
(814~ 9~4~100
FAX (e14~
(814) 53~35
535 Eas[ Main Street
(814) 445-9628 or 1~0~2-014G
F~ (814) 443~6~0
CAMERON COU~
P.O. ~x ~89
Em¢~rium,
f814} 48~1161
FAX (814) 486-0825
CCC$
:FAX f814) 944-57~7
~ST0) 622-1995
FAX (570) 6~-0429
NAT]ONAL CITY
FAX .~6t O) ~21.0137
GCCS of Net~heastem Penn~n'vania
(6701 587-g1~ OR 1~-922~537
FAX t~O) 587~1~1~
FAX (S70)
FAX (570)
(814) 238~8
FAX (e14) 238-3669
~m~ ~ E~ml~
FAX (~70) a~g-I~ALL BEFORE
(570) 45~94 H~ELTON
FAX (570) 455-S~l~L BEFORE
(814) 944-8100
FAX (~14)
Action (STEP
AX (570) 3~.2197
(s~4)
FAX (8t4) 23B-3669
2f5)
FA~ 215} 7~-1427
(215) 3~4.7~
FAX (215)
(2~s)
FAX (215) 563.1020
NO.
HA~E
187 W, AJie~hetly Ava, 2nd FI.
Phiiadeip~ia, PA 19140
~ (215) 4~6~1~
Commu~;y Housing Cou~ei/ng
P,O. ~x 2~
K~ ~uare, PA 19348
~6~ 0) 444
AX [6~0) ~4~243
F~ (810)
AX (215)
F~ (215) 744-20
(2~ 563-5665
(eee) 212-6741
(610) 971-~10
FAX (610}
(216 ~4-g4~9
F~ (215 956.6344
~R~O. COU~
(412) 282-7812
FAX (814)
(7~) 465-2657
?.
State C-~ge, PA 16801
FAX (8~4)
CC~ of
219-A College Pa~ Plaza
Jon~s;o~ PA 15~4
(814) 539~335
(STEP)
(570)
(814) ~8-3668
FAX (~14} ~3~3669
FA~ (570) 323-~26
FAX (S70) 821-1785
(570) 587-91~
FAX (670) 587-9~135
(~70) 8~6.0510 OR 1-80~2-0359
FAX (570} 82~166~CALL BEFORE
(STO) 4~4994 H~ELT~
FAX (570) 455-5631~ALL
FAXlNG
{570) B36-40~ TUNKHANNOCK
(8f4} 8~8~400
FAX (814) 8~8,1243
(4t2) 981-5310
CUMSER~
X (412~ 4~964
HouslnD ~po~u~lti~a Inc.
P.O. Box 9
~Ae14) 623-9129
X (814) 623-7187
Program
FAX (814) 53~1688
535 Ess[ Main S~et
(~14) 445-9628 or
F~ (814) 443-3690
CAMERON COU~
No,hem Tier Com~n;~
p~O. aox 389
, {814) 48~1161
; 217 E. P~nk
'. (81~) 944-8100
; 81 44-5 7
ipot~te, PA 17901
(570) 622-I gg5
FAX (570} 6~429
NATIONAL CITY
310,821.4011 or 600-220-2733
570 & 814 enly f~ 8~
GCCS of N~e~tem P~n~ania
(570) 5B?-9163 OR 1~922-9537
F~ 4570) 587.91~1~
31 W. Me,et
~lkes-aa;m, PA 18702
(570 e21 ~7 or 800,~-9337
F~ (S70 ~21-1785
9 ~h 7lb 81met
St~oudsburg PA 18380
(570) 42~8980 or 800-9~537
FAX (570)
S~[e ~l~ge. PA 16801
(814} 23~.3~8
FAX 4814) 238-3~9
163 Amber ~ne
(570) 826~510 OR 1-80~8~-0359
FAX (570) 829-1~ALL BEFORE
(570) 45~ H~ELTON
FAX (570) 455-5~l~ALL BEFORE
(570) 836.4090 TUNKHANNOCK
~RE COUN~
217 E. Pa~k Road
Ni~na, PA 16602
(8~4)
FAX (814) 944 -D747
Lyoomlng~iinlon Co Corem For
Commundy
A~on (STEP
P.O, Box
570) 326-0587
(814) 23e-3668
CCCS et No~heastem PA
(570 326-0587
FAX S70) 322-2197
~pu~
[215) 765.12~1
FAX (215) 7~-1427
(215) 324,7~
FAX (215) 324~7S3
HACE
167 W, AJJeghany Ave. 2r~
PhlladeJphla, PA 19140
(215) 428.5025
FAX (215) 4e6~1~
Commu~y Houatng Cou~eling
K~ ~quare, PA 19348
{610) 444~82
FAX (610}
Media Fell~¢ip House
302 S. Jacks~ ~tmel
M~ia, PA 190~
(610)
Ph~a Council Fo; ~mmun~ A~
(215) 567-7803
FAX 4215)
Tear Communi~ Se~ces, inc.
(H.O.only)
(610) 874,1484
(21~ 563-~665
(888) 212-6741
~A15 ~4-~429 X 215)
~411ON COU~
(412) 282-7812
~8~4) 5~-655s
~724)
?, ?
CCC$ el Notlheaatem
FAX (614) 2~-~
CCCS Of W~lem PA
John~o~ PA 159~
(814) 539-6335
CLI~ON COUN~
Lycoming~lJnlon Counaa~
(STEP)
(570)
(S14) ~668
FAX 4570) 323-~26
FAX (~70) 821-1785
4570) 587,91~ or
F~ (570) 587-91~35
(~70) 826,0510 OR 1
FAX (570) 8~1 ~ALL BEFORE
FAXING
FAX (570) 455-5631~ALL BEFORE
(570) 836-40~ TUNKHANNOCK
~AWFORD ~U~
~ker T. Wa~ln~on Cente~
~814) 453.57~
~ (~1~) 45~749
(8~4) 89e~400
FAX (814) 898.1243
(412) 981-5310
~ cou~v
mOCT I7 2002 IO:3?AM
(717) 762-3298
~7A17) :'34-5935
X (~t~ 2~'
~AX (717) 731-85~9
(717)
FAX (7~7)
(717) ~1.17~
FAX (717) 54~670
(717) z~-~925
FAX (717)
(717) 2~.97~7
FAX (717)
(215) 76~1~I
(~S) 3~4-7~
FAX (~15)
F~ (215)
FAX (610)
(E10)
NATIONAL CITY
I:~lJadelphia Court=(( Fo~' Community
. Adv
Suite 600
FAX (215) ~3.9~41
Ph~adel~ia, PA 19124
X (215) 744-2012
1729 E~mon~ A~nue
(610) 874-1484
CCCS or ~wam V~liey
(215)
ACC]
Wayne PA
(610) 971-2210
FAX (610) 687-7860
ACC~
~ng of Pms~a, PA 19~
(6~0) 971-~10
John F. Kenna~ ~ler, Inc.
F~ (81~) 898-1243
(814) 486.11
F~ (814) 4B~825
E~er T. Washin~on Cen~e~
FAX (814) ~-5749
G;eater E~e ~mmun;~ Action
Comm~ee
18 Wast 9~ Street
EHa, PA 16~0f
(814) 459,45~1
(8~4) 898-~
FAX (;14)
(412) ~1-19~ or (412) Z81-2102
FAX (412} 391~512
Weynesburg, PA ~5370
{724) 838.1290
137 NO~ ~n Avenue
(724} 437-6050 OR 1~0~427-1NFO
FAX (412) 437~4418
Tablela~,'~ San, iaea
~erset, PA 15501
(814) ~628
FAX (614) 443-~90
CCC~ et Weelet~ PA
U~onte~ PA 15401
(~4) 43~9939
Mon-V~l~ U~m~ CommUtes
(412)
~REST COU~
2~ U~
Pos( Office aox 547
(81d) 726-24~
FAX (814) 723-0510
Rnanc~l Se~lces Unflmimd
(717) 762.3285
~CA of Ca~i~le
~I G
~lsle, PA 17013
~A17) 2~-3a 18
X ~17) ~43-3948
~12 $oulh Geese
(717) ~4176
529 Carlisle
Hanover, PA 1733f
~I 7) 637~768
X (717) 637-3294
C~a Region
1514 De~
Ha~sbu~, PA 171~
(717)
F~ (717)
2107 N. 6~ ~reet
~717)
AX (717) 2~-9459
CC~ et W~lam ~A
(717} 541.17~7
FAX (7f7) ~1~670
A~ams Counly Ho~ing Au[hod~
FAX (717)
[~COUN~
(814 62~9~9
(717) 762,3285
Weefher/zaiion Olflce
Huntingdon, PA 16662
(614) 643-2343
GREENE COUNTY
Action Housing, Inc,
Pillsburgh, PA 15219
(612) 361-t986 et (412) ~1-2102
FAX (412) 391-4512
(412) 462-9962
FAX (412) 463-9964
22 We~t High S~reet
Waynesburg. PA 15370
(724) 882-2593
FAX (412) 627.7713
~/2 Gatder, Center Ddve
(7~4) 838.1290
jffUN'FINGDON COUN'I~
Evemll, PA 18~37
(614) 623-9129
FAX (514) 62.3-7167
217 E, Plank Road
~=eAt 4) 944.$100
X (814) 944-5747
Hun~ngdon, PA 16552
(614) 643-2343
JJ~tANA CO_UN'FY
CCCS of Weslem Penns-/Ivanla, Ino.
G(eenaburg, PA 15601
(724) 836-1250
Indiana Co, Commun/ly Action Program
Indiana. PA 15701
~A24) 465-2657
X (412} 465.6116
Keystone Economic Oevetopment
Comera~o~
1 es4 M~i'y G~c,e L, ane
Johnalewn, PA 18901
(614) 5..~-6586
u~Fe=~SoN COUNTY
(814) 898-0400
FAX (614) 895,1243
(724) 29~-7812
(724) 466-2857
FAX (41Z) 486-5 ! 18
OCT. 17. 2002, lO:37AivI
*CC:CB of Weslem Pennsylvania, Inc.
z17 E. Piank
(814) ~4-8100
FAX {e~4) ~5747
917 M~ffiln Street
(814) ~e-2343
CCCS o~ No~aS~em Penns~vania
31 W. Market
Wlke~, PA 1870~
(570) 821~7 OR 1-800-9~-9937
FAX (570) 821-1765
14~ ~on ~ Pa~ Sure 1
Clatks $ummtt, PA 1~1
(570) 58%91~ or 8~955-9537
FAX (~0) ~7-9~34~135
P.O, Box 2~
(215) ~3662
FAX (219) 444~178
~ of Lehigh ValIw
(215) 821-4011 1~00-~0-27~
(717) & (814) ONLY
FAX (215)
Yo~, PA 17403
(717) 946-4176
(717) 397.5183 OR 1-80o-788-5o62
FAX ~17)
~W~NCE COU~
~CS of Western Penns~vanJa
~24) 652.8074
(814) 33~370
~24) 728.7202
FAX (412) 728-7202
{570) 622-1995
FAX (570) 6~29
NATIONAL CITY
OCCS ol Lehigh V'a[Igy
(610) 621-4011 OR 1-800-220-3733
(5?fl~. & (614) ONLY
FAX (610)
Co
(570) 822-1 ~95
FAX (5701 622-0422
(STO) 631-0837 OR 1-800-922.8537
FAX (670) 801-1785
FAX (570) 587-913~165
(570) 639-1865.--CALL BEFORE
FAXING
FAX ($70} 455-5831---CALL BEPORE
(670) 836-4090 TUNKHANNOCK
(570) 622-1
FAX (570) 622.0429
(570) 631.0837 OR 1-800-922-8537
(370) 323.6627
FAX (570) 323-6629
(STEP)
(570) 326,0567
FAX (570) 322-2197
(914) 898-0400
FAX (814) 998-1343
FAX (614)
YMCA Building -
339 North W~hinglan SIree~
Bullet'. PA 16001
(724) 262-7012
f41FFklfl COUNTY
217 E. Plank Roan
AJ~3one PA 16602
(814) 844-8100
FAX (814) 944-$747
Huntingdon, PA 16652
(814) 649-2343
1631 S Alhetton Si
SuNg 100
Stale Col~"ge PA 16801
(814) 236-~668
FAX (814) 238-3668
31 W, Market Slreet
P.O. Box 1127
(570) 831-0837 OPl 1-~00-622-9537
FAX (570) 621-1785
~400 Abington ExecutiVe Park
{670) $67-9163 or 800-922-9537
PAX (570) 597-9134/9135
9 South 7th Street
(570) 420-6980 or 600-922-9537
FAX (67?) 430-9961
183 Amber Lane
Wilkes-Ba,"re, PA 18702
(570) 6,~6-0510 OR 1-600-822-0559
FAX (570) 620-1655---CALL BEFORE
FAXING
(570) 455-4894 HAZELTON
FAX (5?0) 455-6~J1---CALL BEFORE
FAX]NG
(570) 638-4090 TUNKHANNOCK
M.O, NTGOMERY ~
Acorn Housing Corporation
8~6 North ~road Street
Phllacfefl~hle, FA, 19130
(215) 765-1221
FAX (213) 765-142.7
No,'lhwes[ Counseling Se~.'~ce
(215) 324~7500
FAX (BLS) 324-8753
CCCS of Delaware Va{Jay
160 W. OermanloWn Pike, Sui[c 140
Non'istown PA 19401
(215) 563-5685
Norrislown, PA 19401
(610) 277-6366
FAX (610) 277-2123
CCCS at Delawaro Valtey
1518 Marks! Street, Suite 1325
Phlladelph~a, PA 19107
(215) ~63-5665
FAX (2'15) 664-2666
Communily Housing Counselom Inc
P.O. I~OX 244
Kennell Square, PA 19348
(21§) 444-8682
FAX (215) 444 -8243
Media Fellowship House
(61o) 565-o846
(219) 967.7~6
FAX (215) ~-9941
(~8) 2~-8741
(610) 971-3210
(215) 444.9429
F~ (215) 956~344
(570) 831-0837 OR 1-800-9~-9537
FAX (570} 621-1780
(570) 587-91~ o~ 800-922*9537
F~ (570) 587-913~135
~PTON
(610) 821~011 OR 1-800-~0.27~
(717) & (814) ONLY
FAX (610) a2~,8932
(570) 629-1995
FAX (~70)
Cccs of Wes~err~ Pennsylvania. inc,
(717) ~1-ff757
FAX (717) ~1.4670
(7~7) 762-3255
FAX (737) 234-94~9
'~17 Mifflin
(01.)
(717)
FAX
~514
~m
(215
(~lS) ~75
FAX (~15)
Ch~
(215) ~0~
FAX (215)
(215) g78-0~2~
F~ (2~5)
FA~ (~15)
M(nisW
(~S) 74~-~0
:ATIOiqAL CITY
CCCS of Norl~ea~l~m Pennsylvania
:AX ($70) 587-9134/9135
(570) 430,8981
')TTEI% GOUNT~
~m Tel C~i~ ~ C~.
(814) 466-OB25
0) 37S,TS66
O) e2~510 OR
[570) 8~-1665- CALL
'3) 45S~4 H~EL~N
(57o) 455-5~I--CALL 9EFORE
~ of W~em P~n~van)a,
~1-1757
~17)
(717)
~2-9757
',7t~ 23~2227
~UNTY
NO. 1219
(el4) 539-&~5
FAX (814) ~3-30g0
14433,,~b/n~ Execute ~, Sure 1
FAX {570) 821-178S
tS70) 297-~101
FAX (~70)
(570) g~-g668
F~ (~70)
(570)
(570) a~40
FAX (~70)
F~ (570) .278- ~ 88;
14~ ~in~on ~e~tive Pa~, Sure
(570) ~aT-gl~ OR 1~22-9537
FAX {S70) ~7-91~/g13S
~70} 821~37 or 6~2-9537 ~570) ~21- f 785
(570) 297-2101
~AX (570)
FAX (570)
~570) ~8-9668
AX (~70}
(~70} 724-5252
F~ {570) 724-5783
(570) 253-B94~
(570)
7 Lake Avenue, Box 339
(570) 2;8-3338 or
~AX (~?0} 278-1~
~ c~Y
CCCS of ~ea~ern Penn~lv~
(570) 5~-gI~ OR
(570) ~7-~101
FAX (570} 297-~799
F~(570)~7.279g
FAX (570) 928-8144
FAX (~70) 724-5;83
(570)
FAX (~70} ~;8-1~9
~ C~UN~
Aotion (STEP)
(570) 326~587
F~ (717}
(si4) ~4.8100,
' COCS Ol Norl~as{em ~nnsyJv~ia "
~ (570) 587-9134/9135
(570) 821-0837 or 800-9~-9~37
FAX (570} 821,1;86
~570) 3~627
AX (870) 323-~26
~ao coq~
18 W~ 9TH Street
JButter, PA 46001
(4~2} 292-7512
WARREN COUnTy
~ker T. Washlngl~
I720 Holland
E~e, PA 1
(e~4) 453-5744
Greater E~e Commun~ Ac[~n
Comm~ee
X (814) 4S6-016~
~podunRy
(814)
F~ (8~4}
~t2) ~1-1956 or (412} 281-2102
(412)
(724) 852.2893
CCCS of Western Penn.rabid, ~nc,
{724}
(41Z) 66~1590
FAX (41g} 6~873
{412) 462-9~2
(4~ ~-9~4 or 1(~0} 737.2933
~AX {4~2} 336-9~3
WAYNE C~UN~
(570) ~7-916~ OR 1-8~-922-9537
FAX (~70)
FAX (570~ a2~ -17~
FAX (5?0) 42~81
(570} 297-2101
FAX (570) 297-2799
FAX (570} 297-27~9
FAX (570} 92~8144
1 ? Cmflon ~met
W~m, PA 16901
~570) 724~52
AX (570) 724-~83
931 ~ln
FAX (570}
~70}
{570) 27~
FAX (ST0) 27~1889
(724}
(724) ~1~
X (412) 6~-0873
(4t2) 462.9962
(724) 485-~657
FAX (724)
(814)
~AX (814) 53~1688
(814)
F~ (814) 443~690
~412) 33a-9954 o~ 1(800}
~me
~{k~'~, P~s~lv~nJa 18701
(570) ~810 OR
FAX (570)
F~ING
(ST0) 4~ H~ELTON
FAXING
(570) e~e~o TUNKHANN~K
CCCS of ~he~tern Penn~ania
CIa~ $umm~ PA
(~) ~7-91~ OR T~0~2~537
F~ (~70) ~7-g1~9135
W[Jk~.a~m PA 18702
~570) 821~37 or 800~-9537
AX (570} 8~ ~-1785
185 Elmira Sl~t, P.O. Box 218
Troy, PA 16947
(570) ~?-2101
F~ (570) 297-2799
(570} 928.g~6
F~ (S70) 928-8144
(570)
FAX (570) 724-5783
(570) 2~94~
FAX (570}
~7o~
Ohe~ler
(717)
FA~ (71~ 846-79~
(717)
(717) 3~.151~
~AX (71~ 3~-83~6
?, 1[
VERIFICATION
this statement herein
Pa.C.S. Section 4904
authorities.
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
is made subject to the penalties of 18
relating to unsworn falsification to
Mark J~r~n,~QUIRE
UDREN LAW OFFICES, P.C.
~---~ SHERIFF' S RETURN - REGULAR
CASE NO: 2004-00733 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
NATIONAL CITY MORTGAGE CO
VS
HANCOCK BRIAN C ET AL
CPL. MICHAEL BARRICK ,
Cumberland County,Pennsylvania,
says, the within COMPLAINT - MORT FORE
H;~NCOCK BRIAN C
DEFENDANT , at 1531:00 HOURS, on the
at 213 WALNUT DALE ROAD
SHIPPENSBURG, PA 17257
PAULA D H3~-NCOCK, WIFE
a true and attested copy of COMPLAINT
Sheriff or Deputy Sheriff of
who being duly sworn according to law,
was served upon
the
20th day of February , 2004
by handing to
- MORT FORE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 12.42
Affidavit .00
Surcharge 10.00
.00
40.42
Sworn and Subscribed to before
me this ~L ~ day of
J~,~ ~L6V3 ~ A.D,
~Pz~othonotary
So Answers:
R. Thomas Kline
02/23/200A
UDREN LAW OF~I~//// /~
By :~~~~/~
y~Sh~rif f
SHERIFF'S RETURN -
CASE NO: 2004-00733 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
NATIONAL CITY MORTGAGE CO
VS
HANCOCK BRIAN C ET AL
REGULAR
CPL. MICHAEL BARRICK ,
Cumberland County, Pennsylvania,
says, the within COMPLAINT - MORT FORE was served upon
HANCOCK PAULA D the
DEFENDANT at 1531:00 HOURS, on the 20th day of February
at 213 WALNUT DALE ROAD
SHIPPENSBURG, PA 17257 by handing to
PAULA D HANCOCK
a true and attested copy of COMPLAINT - MORT FORE
Sheriff or Deputy Sheriff of
who being duly sworn according to law,
together with
2004
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing 6.00
Service .00
Affidavit .00
Surcharge 10.00
.00
16.00
Sworn and Subscribed to before
me this ~ G ~ day of
/ ~P~othonotary' ~
So Answers:
R. Thomas Kline
02/23/2004
UDREN LAW OFFI~E~
~-y~ /Deput y~'~[ler i ~f
UDREN LAW OFFIcEs, P.C.
BY: Mark j. Udren, EsqUire
ATTY I.D. NO. 04302
WOODCREST CORPORATE CENTER
111 WOODCREST ROAD, SUITE 200
CHERRY MILL, NJ 08003-3620
856-482-6900
National City Mortgage Co.
d/b/a Eastern MOrtgage
Services
Plaintiff
ATTORNEy FOR PLAINTIFF
: COURT OF COMMON PLEAS
:CIVIL DIVISION
~ Cumberland County
v. iNO. 04-733
Brian C. Hancock
Paula D. Hancock :
Defendant :
PRAECIPE TO WIThDRAw ~TUDGMENT AND DISCONTINUE WITHOUT PREJUDIu;~
TO THE PROTHONOTARy:
Kindly mark the above captioned matter JUDGMENT
WITHDRAWN and ACTION DISCONTINUED WITHOUT PREJUDICE, upon payment
of your costs only.
DATED:
March 1 200{
ark j. Udren, Esqui e~-
UDREN LAW OFFICES, P.C.
Attorney for Plaintiff