HomeMy WebLinkAbout08-4862%.
MEMBERS 1 ST FEDERAL IN THE COURT OF COMMON PLEAS
CREDIT UNION, CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff n
v. NO. 08- 4S&A a-'JI L-Fem
JEFFREY C. TAYLOR and CIVIL ACTION - LAW
VALERIE C. TALOR, IN MORTGAGE FORECLOSURE
Defendant(s) :
CIVIL ACTION - LAW
COMPLAINT IN MORTGAGE FORECLOSURE
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after the 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 CAN NOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDCE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 S. Bedford St
Carlisle, PA 17013
1-800-990-9108
717-249-3166
AVISO
LE HAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE
CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE
USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA
DEMANDA Y AVISO. PARA DEFENDERSE ES NECESSARIO QUE USTED, O SU
ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA
DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA.
RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE
PROSEGUIR CON EL PROCESO SIN SU PARTICIPACION. ENTONCES, LA COUTE
PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA
QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR
RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DINERO,
PROPIEDAD U OTROS DERECHOS IMPORTANTES.
LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE.
SI NO CONOCE A UN ABOGADO, LLAME AL "LAWYER REFERENCE
SERVICE" (SERVICIO DE REFERENCIA DE ABOGADOS),
Cumberland County Bar Association
32 S. Bedford St
Carlisle, PA 17013
1-800-990-9108
717-249-3166
IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE,
BE ADVISED THAT:
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15
U.S.C. § 1692 et seq. (1977), DEFENDANT(S) MAY DISPUTE THE
VALIDITY OF THE DEBT OR ANY PORTION THEREOF. IF
DEFENDANT(S) DO SO IN WRITING WITHIN THIRTY (30) DAYS OF
RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL
OBTAIN AND PROVIDE DEFENDANT(S) WITH WRITTEN
VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE
ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN
THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR
PLAINTIFF WILL SEND DEFENDANT(S) THE NAME AND ADDRESS
OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE.
THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF
THE THIRTY (30) DAY PERIOD FOLLOWING FIRST CONTACT WITH
YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN
THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS
COMPLAINT IS TO BE FILED IN THIS ACTION WITHIN TWENTY
(20) DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME.
FURTHERMORE, NO REQUEST WILL BE MADE TO THE COURT
FOR A JUDGMENT UNTIL THE EXPIRATION OF THIRTY (30) DAYS
AFTER YOU HAVE RECEIVED THIS COMPLAINT. HOWEVER, IF
YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS
OF THE ORIGINAL CREDITOR WITHIN THE THIRTY (30) DAY
PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT,
THE LAW REQUIRES US TO CEASE OUR EFFORTS (THROUGH
LITIGATION OR OTHERWISE) TO COLLECT THE DEBT UNTIL WE
MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD
CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR
RIGHTS AND OBLIGATIONS IN THIS SUIT.
IF YOU HAVE FILED BANKRUTPCY AND RECEIVED A DISCHARGE,
THIS IS NOT AN ATTEMPT TO COLLECT A DEBT. IT IS AN ACTION
TO ENFORCE A LIEN ON REAL ESTATE.
MEMBERS 1 ST FEDERAL IN THE COURT OF COMMON PLEAS
CREDIT UNION, CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
V. NO. ?( )- c
JEFFREY C. TAYLOR and CIVIL ACTION - LAW
VALERIE C. TALOR, IN MORTGAGE FORECLOSURE
Defendant(s) :
COMPLAINT
The Complaint of Plaintiff, Members 1 st Federal Credit Union ("Members 1 st"), by and
through its attorneys, Van Eck & Van Eck, P.C., seeking mortgage foreclosure in the above
action is as follows:
1. Plaintiff, Members 1st, is a financial institution authorized to conduct business in
the Commonwealth of Pennsylvania with a principal place of business located at 5000 Louise
Drive, Mechanicsburg, Pennsylvania, 17055.
2. Defendant, Jeffrey C. Taylor, is an adult individual whose last known address is
334 East Meadow Drive, Mechanicsburg, PA 17055.
3. Co-Defendant, Valerie C. Taylor, is an adult individual whose last known address
is 334 East Meadow Drive, Mechanicsburg, PA 17055.
4. Defendant(s) is/are the mortgagor(s) and real owner(s) of the property hereinafter
described.
5. On or about December 30, 2004, Defendants, Jeffrey C. Taylor and Valerie C.
Taylor, executed and delivered a mortgage and note upon the premises hereinafter described to
Members 1 st (the "Mortgage"). The mortgage is recorded in the Office of the Recorder of Deeds
in and for Cumberland at mortgage book 1893, Page 3508. A copy of the mortgage is attached
hereto as Exhibit "A" and a copy of the note is attached hereto as Exhibit "B".
6. The premises subject to the mortgage referenced above is described in the
mortgage attached as Exhibit "A" and is known as 334 East Meadow Drive, Mechanicsburg, PA
17055.
7. The Mortgage is in default because monthly payments of principal and interest
due January 16, 2008 and each month thereafter are due and unpaid. The terms of the Mortgage
provide for the entire principal balance and all interest due thereon to be due upon failure of the
mortgagor to make such payments after written notice to the Mortgagor.
8. The following amounts are due on the Mortgage:
(a) Unpaid principal balance $88,755.28
(b) Interest at $14.5656 per day
from 01/16/08 to 08/08/08
(based on contract rate of 5.990%) $ 2,563.54
(c) Late fees $ 253.50
(d) Escrow $
(e) Title Search $
(f) Attorney's fees and Commission $ 1,000.00
(g) Costs of Suit $ 178.50
TOTAL $92,750.82
9. The attorney's fees set forth above are in conformity with the Mortgage
documents and Pennsylvania law, and will be collected in the event of a third party purchaser at
Sheriff's Sale. If the Mortgage is reinstated prior to the sale, reasonable attorney's fees will be
charged.
10. Notice of Intention to Foreclose as set forth in Act 6 of 1974, Notice of
Homeowner's Emergency Assistance Program pursuant to Act 91 of 1983, as amended in 1998,
and/or Notice of Default as required by the mortgage document, as applicable, have been sent to
the Defendant(s) on the date(s) set forth thereon, and the temporary stay as provided by said
notice has terminated because Defendant(s) has/have failed to meet with the Plaintiff or an
authorized consumer credit counseling agency, or has/have been denied assistance by the
Pennsylvania Housing Finance Agency. True and correct copies of the above notices, as
relevant, were sent by regular mail and by certified mail, return receipt requested and are
attached hereto as Exhibit "C".
11. This action does not come under Act 6 of 1974 because the original mortgage
amount exceeds $50,000.00.
WHEREFORE, Plaintiff demands an in rem Judgment against the Defendant(s) in the
sum of $92,750.82, together with interest from August 8, 2008 at the per diem rate of $14.5656
to the date of Judgment, and other costs and charges collectible under the Mortgage and for the
foreclosure and sale of the mortgaged property.
VAN ECK & VAN ECK, P.C.
Dated: August 12, 2008 By:
Henry W. Eck, Esquire
VAN EC VAN ECK, P.C.
Attorney I.D. No. 83087
7810 Allentown Blvd
PO Box 6662
Harrisburg, PA 17112
(717) 540-5406
Attorneys for Plaintiff
MEMBERS 1 ST FEDERAL
CREDIT UNION,
Plaintiff
V.
JEFFREY C. TAYLOR and
VALERIE C. TALOR,
Defendant(s)
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO.
CIVIL ACTION - LAW
IN MORTGAGE FORECLOSURE
VERIFICATION
I verify that the statements made in the foregoing document are true and correct to the
best of my knowledge, information, and belief. I understand that false statements herein made
are subject to the penalties of 18 Pa. C.S.A. Section 4904, relating to unsworn falsification to
authorities.
Date: July 18, 2008
01
4;7 l
BY: TITLE:
EXMI. «A»
2605 AN 6 Ali H 29
Prepared By: Members 1 st FCU
5000 Louise Drive
Mechanicsburg, PA 17055
Return To: Members 1st FCU
Real Estate Department
5000 Louise Drive
Mechanicsburg, PA 17055
MORTGAGE
Made 12/30/2004
Between
JEFFREY C TAYLOR AND VALERIE C TAYLOR
(hereina er called "Mortgagor")
And
MEMBERS 1ST FEDERAL CREDIT UNION (hereinafter called "Mortgagee")
Whereas, Mortgagor has executed and delivered to Mortgagee a certain Mortgage Note (hereinafter
called the "Note") of even date herewith, payable to the order of Mortgagee in the principal sum of
$ 100,000.00 lawful money of the United States of America, and has provided therein
for payment of any additional moneys loaned or advanced thereunder by Mortgagee, together with
interest thereon at the rate provided in the Note, in the manner and at the times therein set forth, and
containing certain other terms and conditions, all of which are specifically incorporated herein by
reference;
Now, Therefore, Mortgagor, in consideration of said debt or principal sum and as security for the
payment of the same and interest as aforesaid, together with all other sums payable hereunder or under
the terms of the Note, does grant and convey unto Mortgagee,
All that certain property of the Mortgagor located in UPPER ALLEN
TOWNSHIP OF , Cumberland County, Pennsylvania
DEED DATED 12/23/88
BOOK 533
PAGE 1181
which currently has the address of 334 E MEADOW DR
[Street]
MECHANICSBURG Pennsylvania 17055
[City] [Zip Code]
Acct No 245780-01 92958
AppID Page 1 of 4
BK'I893PG3508
Together with the buildings and improvements erected thereon, the appurtenances thereunto
belonging and the reversions, remainders, rents, issues and profits thereof.
To Have and To Hold the same unto Mortgagee, its successors and assigns, forever.
Provided, However, That if Mortgagor shall pay to Mortgagee the aforesaid debt or principal sum,
including additional loans or advances and all other sums payable by Mortgagor to Mortgagee hereunder
and under the terms of the Note, together with interest thereon, and shall keep and perform each of the
other covenants, conditions and agreements hereinafter set forth, then this Mortgage and the estate hereby
granted and conveyed shall become void.
This Mortgage is executed and delivered subject to the following covenants, conditions and
agreements:
(1) The Note secured hereby shall evidence and this Mortgage shall cover and be security for any
future loans or advances that may be made by Mortgagee to Mortgagor at any time or times hereafter and
intended by Mortgagor and Mortgagee to be so evidenced and secured, and such loans and advances shall
be added to the principal debt.
(2) From time to time until said debt and interest are fully paid, Mortgagor shall: (a) pay and
discharge, when and as the same shall become due and payable, all taxes, assessments, sewer and water
rents, and all other charges and claims assessed or levied from time to time by any lawful authority upon
any part of the mortgaged premises and which shall or might have priority in lien or payment to the debt
secured hereby, (b) pay all ground rents reserved from the mortgaged premises and pay and discharge all
mechanics' liens which may be filed against said premises and which shall or might have priority in lien
or payment to the debt secured hereby, (c) pay and discharge any documentary stamp or other tax,
including interest and penalties thereon, if any, now or hereafter becoming payable on the Note
evidencing the debt secured hereby, (d) provide, renew and keep alive by paying the necessary premiums
and charges thereon such policies of hazard and liability insurance as Mortgagee may from time to time
require upon the buildings and improvements now or hereafter erected upon the mortgaged premises,
with loss payable clauses in favor of Mortgagor and Mortgagee as their respective interests may appear,
and (e) promptly submit to Mortgagee evidence of the due and punctual payment of all the foregoing
charges; provided, however, that Mortgagee may at its option require that sums sufficient to discharge
the foregoing charges be paid in installments to Mortgagee.
(3) Mortgagor shall maintain all buildings and improvements subject to this Mortgage in good and
substantial repair, as determined by Mortgagee. Mortgagee shall have the right to enter upon the
mortgaged premises at any reasonable hour for the purpose of inspecting the order, condition and repair
of the buildings and improvements erected thereon.
Acct No 245780-01 AppID 92958
Page 2 of 4
-BU{,18,93P"G3509
(4) In the event Mortgagor neglects or refuses to pay the charges mentioned at (2) above, or fails to
maintain the buildings and improvements as aforesaid, Mortgagee may do so, add the cost thereof to the
principal debt secured hereby, and collect the same as a part of said principal debt.
(5) Mortgagor covenants and agrees not to create, nor permit to accrue, upon all or any part of the
mortgaged premises, any debt, lien or charge which would be prior to, or on a parity with, the lien of this
Mortgage.
(6) In case default be made for the space of thirty (30) days in the payment of any installment of
principal or interest pursuant to the terms of the Note, or in the performance by Mortgagor of any of the
other obligations of the Note or this Mortgage, the entire unpaid balance of said principal sum, additional
loans or advances and all other sums paid by Mortgagee pursuant to the terms of the Note or this
Mortgage, together with unpaid interest thereon, shall at the option of Mortgagee and without notice
become immediately due and payable, and foreclosure proceedings may be brought forthwith on this
Mortgage and prosecuted to judgment, execution and sale for the collection of the same, together with
costs of suit and an attorney's commission for collection of five percent (5%) of the total indebtedness or
$200, whichever is the larger amount. Mortgagor hereby forever waives and releases all errors in said
proceedings, waives stay of execution, the right of inquisition and extension of time of payment, agrees
to condemnation of any party levied upon by virtue of any such execution, and waives all exemptions
from levy and sale of any property that now is or hereafter may be exempted by law.
(7) Upon payment of all sums secured by this Mortgage, this Mortgage and the estate conveyed shall
terminate and become void. After such occurrence, Mortgagee shall discharge and satisfy this Mortgage.
Mortgagor shall pay any recordation costs. Mortgagee may charge Mortgagor a fee for releasing this
Mortgage, but only if the fee is paid to a third party for services rendered and the charging of the fee is
permitted under Applicable Law.
The covenants, conditions and agreements contained in this Mortgage shall bind, and the benefits shall
inure to, the respective parties hereto and their respective heirs, executors, administrators, successors and
assigns, and if this Mortgage is executed by more than one party, the undertakings and liability of each
shall be joint and several.
Acct No 245780-01 ApplD 92958 Page 3 of 4
.S 1893PG3510
Witness the due execution hereof the day and year first above written.
Commonwealth of Pennsylvania
County of
ss:
On this, the 30th day of DDCI14BER 2004 , before me,
ISODFAN M IXMY? the undersigned officer, personally appeared
C TAYLOR satisfactorily proven to
me to be the person(s) whose name(s) is/are subscribed to the within Mortgage, and acknowledged that
he/she executed the same for the purposes therein contained.
In Witness Whereof, I hereunto set my hand and official seal.
My commission expires:
Nalarlal Seal
toodsm M. Wodey, Notary Public
Lower Allen 7wp6, Cumbedand County
My Conxnlssion E*m Mar. 7, 2005
Membar Pwnsy!VK&A990dWJonotNota W
Members 1sT Federal Credit Union, Mortgagee within named, hereby certifies that its residence
is 5000 Louise Drive, Mechanicsburg, PA 17055.
By C A
Acct No 245780-01 ApplD 92958 Page 4 of 4
I Certify this to
jr, Cumberland
o
Recorder of Deeds
89 31G 3 51' 1
Exhibit "B"
rvt 5000 Louise Drive, P.O. Box 40
Mechanicsburg, PA 17055
MMEMS Pr
rmnaseaaar
CLOSE"NO NOTE DISCLOSURE,
l7tY/ A .R KN Mr
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JEFFREY C TAYLOR
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Carpets, Irr¢ N dghb reserved,
JEFFREY C TAYLOR ... a..... 92858..•:. ;; •;..? ..
124578001 12/302004
W WZS SGREENENRTS THE WORDS 'CREDIT UMOM MEANS MEMBERS IST FEDERAL CREDIT UNION. THE WORDS 'YOU,' "YOUR' AND 'YOURS" MEAN THOSE
LOAN AGREEMENT SECURITY AGREEMENT
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4. au leer lea faxes. aaasamrwsF hm or ro M
?s in6i?lprer?lO lWpasa IIISMs? ?hY
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you no brier mom=t a Iha rate a kyd p ¦ ale vein darmd u
?i p,aperty
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dalldl to tl mto?iasgt °
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nrtify 4red1?1???np any drones in
your na aNri isa or You promise ridt too'a?'py far a loan H, >
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When may rmtWrase oat rant ynmout turmer nacre to yqL
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Y kn1g pt Nh- .... .. ,
urionP ve t ua pmt am ed eLnt'lnatul •awkhho Posing anyy Doff the.
Gray : aubrds?s?r the credit rmeukios<ri may sagcaree to
eitl>a or borif you. The credit unkm does not have to notidv you thid this
agreement has not been paid. The gedil union mays extend • terms of
teipy onsfibiltyty osdi athi8 grreeerrie?. wihout rwtifying or teleasmg you from
Contractual Pwas, of Sharia: You. kall yoar,sllimil irld der, Its N the
ciedk,dnbn,hilolm na.Nlure"d o '.assaouiirytorudtkran.•Inegaayou .. - ..
dehau1Y tut oridit urderymay , Y #MW sbiroi?and dpposas to ihapayment .
of all sums.drmat ltisl4ga qt defau(f, srJudlnB wets a?eellaliion and
ImdnsbMaNornyl'a4f1a=p,dmIM6"edi}bNonmaylacur up%2V%dries
unirald prarblpil and 1119P isti No stn or itoht to bmppiss a Visn on spar" and ? -
depbsits, shins ippli to any of your shares which may,bs hold Iran .Wividual '
Raeredant AceouM" or "Kacgh Plan' ... .
NOTICE TO CO-WGNER
You a» being'as1u? to.guara&ail this debt Think ca before you do. If"boRaxsi doesn't pay the debt, you.wla'heve to. lie Suva you Can afrord.to
pay if you have to, and ffiat you want to accept this responsibilty.
Yoe may have to pay up to the RIi amount of fha debt;Hthe bortower does not Pay. You may 0150 heva to pay late fees br•0dliection oosLS', which increase this
amount. •
bay _ can polled this debt tromyou wilhoul,brsf•irying to tolled kom the borrower. The aeddor can tis? sir soma eolbctlon methods against you that
ne use0 igakmt the borioviar; such -as sung you, gan umitno your wages, etc. It'this debt is ever in deface; that fact may become a pan of your credit
record. This rwtlce is not the contrad that makes you Gable for fhe debt
F. 437691/02 ' ;.. • ; . ., .
APPRO svsos,u, xrd. ?tme ..
Page 2 d 2
8• a W siasstwhl? aglsMr?lOlltAneaESi m tlro m?asEeral antl t
8. s them li mare am one booowr`,?yromro derthk tare
ion eadn bens ewaryoruIsspo n lia the 'tmns°r°0o? e
to. TNS aepx Y t hotcrnly bsMs you. but your'm ectr"s, adminterilors,
helm, and iltgna. .
EXHIBIT "C"
i
i
Date: March 31, 2008
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 to save your home. This Notice explains how the program works.
To see if HEMAP can help. you must MEET WITH A CONSUMER CREDIT
COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE.
Take this Notice with you when you meet with the Counseling Agency.
The name, address and phone number of Consumer Credit Counseling Agencies
serving your County are listed at the end of this Notice. If you have any
questions, you may call the Pennsylvania Housing Finance Agency toll free at
1-800-342-2397.(Persons with impaired hearing can call (717) 780-1869).
This Notice contains important legal information. If you have any questions,
representatives at the Consumer Credit Counseling Agency may be able to help
explain it. You may also want to contact an attorney in your area. The local bar
association may be able to help you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA
NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA.
PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S
EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA
PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA.
HOMEOWNER'S NAME(S):
PROPERTY ADDRESS:
LOAN ACCT. NO.:
ORIGINAL LENDER:
CURRENT LENDER/SERVICER:
JEFFREY C TAYLOR
VALERIE C TAYLOR
334 EAST MEADOW DRIVE
MECHANICSBURG, PA 17055
245780 - 01
Members 1st Federal Credit Union
Members 1St Federal Credit Union
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU
MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE:
IF YOUR DEFAULT HAS BEEN
CAUSED BY
CIRCUMSTANCES BEYOND
YOUR CONTROL,
IF YOU HAVE A REASONABLE
PROSPECT OF BEING ABLE
TO PAY YOUR MORTGAGE
PAYMENTS, AND
IF YOU MEET OTHER
ELIGIBILITY REQUIREMENTS
ESTABLISHED BY THE
PENNSYLVANIA HOUSING
FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a
temporary stay of foreclosure on your mortgage for thirty (30) days from the date
of this Notice. During that time you must arrange and attend a "face-to-face"
meeting with one of the consumer credit counseling agencies listed at the end of
this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF
YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU
MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE
CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO
BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the
consumer credit counseling agency listed at the end of this notice, the lender
may NOT take action against you for thirty (30) days after the date of this
meeting. The names, addresses and telephone numbers of designated
consumer credit counseling agencies for the county in which the property is
located are set forth at the end of this Notice. It is only necessary to schedule
one face-to-face meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default
for the reasons set forth later in this Notice (see following pages for specific
information about the nature of your default.) If you have tried and are unable to
resolve this problem with the lender, you have the right to apply for financial
assistance from the Homeowner's Emergency Mortgage Assistance Program. To
do so, you must fill out, sign and file a completed Homeowner's Emergency
Assistance Program Application with one of the designated consumer credit
counseling agencies listed at the end of this Notice. Only consumer credit
counseling agencies have applications for the program and they will assist you in
submitting a complete application to the Pennsylvania Housing Finance Agency.
Your application MUST be filed or postmarked within thirty (30) days of your
face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO
OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN
THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME
IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE
WILL BE DENIED.
AGENCY ACTION - Available funds for emergency mortgage assistance are
very limited. They will be disbursed by the Agency under the eligibility criteria
established by the Act. The Pennsylvania Housing Finance Agency has sixty (60)
days to make a decision after it receives your application. During that time, no
foreclosure proceedings will be pursued against you if you have met the time
requirements set forth above. You will be notified directly by the Pennsylvania
Housing Finance Agency of its decision on your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A
PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS
FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE
CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT..
(If you have filed bankruptcy you can still apply for Emergency Mortgage
Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to
date).
NATURE OF THE DEFAULT --The MORTGAGE debt held by the above lender
on your property located at: 334 EAST MEADOW DRIVE, MECHANICSBURG,
PA 17055
IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MORTGAGE PAYMENTS for the following installments and the following
amounts are now past due: $834.28 DUE ON 1/16/2008,$844.91 DUE ON 2/16/2008,$844.91 DUE ON
3/16/2008
Other charges (explain/itemize):
TOTAL AMOUNT PAST DUE: $2,524.10
B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not
applicable):
HOW TO CURE THE DEFAULT --You may cure the default within THIRTY (30)
DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE
TO THE LENDER, WHICH IS $2,524.10, PLUS ANY MORTGAGE PAYMENTS
AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY
PERIOD. Payments must be made either b cash cashier's check certified
check or money order made payable and sent to:
Members 1st Federal Credit Union, 5000 Louise Drive, Mechanicsburg, PA
17055, Attention: Arlanda Dintaman
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.)
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, 334 EAST MEADOW DRIVE, MECHANICSBURG, PA 17055
IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be
sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to
its attorneys, but you cure the delinquency before the lender begins legal
proceedings against you, you will still be required to pay the reasonable
attorney's fees that were actually incurred, up to $50.00. However, if legal
proceedings are started against you, you will have to pay all reasonable
attorney's fees actually incurred by the lender even if they exceed $50.00. Any
attorney's fees will be added to the amount you owe the lender, which may also
include other reasonable costs. If you cure the default within the THIRTY (30)
DAY period, you will not be required to pay attorney's fees.
OTHER LENDER REMEDIES -- The lender may also sue you personally for the
unpaid principal balance and all other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have
not cured the default within the THIRTY (30) DAY period and foreclosure
proceedings have begun, you still have the right to cure the default and prevent
the sale at any time up to one hour before the Sheriffs Sale. You may do so by
paying the total amount then past due, plus any late or other charges then due,
reasonable attorney's fees and costs connected with the foreclosure sale and
any other costs connected with the Sheriffs Sale as specified in writing by the
lender and 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 Sheriffs Sale of the mortgaged property could be held would be
approximately Three(3) months from the date of this Notice. A notice of the
actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the
amount needed to cure the default will increase the longer you wait. You may
find out at any time exactly what the required payment or action will be by
contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender: Members 1st Federal Credit Union
Address: 5000 Louise Drive, Mechanicsburg, PA 17055
Phone Number: (717) 795-6031 or (800) 283-2328 Ext. 6031
Fax Number: (717) 795-5207
Contact Person: Arlanda Dintaman
EFFECT OF SHERIFF'S SALE -- You should realize that a Sheriffs Sale will end
your ownership of the mortgaged property and your right to occupy it. If you
continue to live in the property after the Sheriffs Sale, a lawsuit to remove you
and your furnishings and other belongings could be started by the lender at any
time.
ASSUMPTION OF MORTGAGE - You may not sell or transfer your home to a
buyer or transferee who will assume the mortgage debt, provided that all the
outstanding payments, charges and attorney's fees and costs are paid prior to or
at the sale and that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF
THE MORTGAGE DEBT OR TO BORROW MONEY FROM
ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY
ACTING ON YOUR BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME
POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU
CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS
RIGHT TO CURE YOUR DEFAULT MORE THAN THREE
TIMES IN ANY CALENDAR YEAR.)
TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY
FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT
INSTITUTED UNDER THE MORTGAGE DOCUMENTS,
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY
HAVE TO SUCH ACTION BY THE LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL
BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY
Certified Mail # 7007 1490 0003 5846 5375
Servicemembers Civil U.S. Department of Housing AB Approval No. 2502-0565
Relief Act and Urban Development (exp 4/30/2007)
Notice Disclosure Office of Housing
Legal Rights and Protections Under the SCRA
Servicemembers on "active duty" or "active service," or a dependent of such a
servicemember may be entitled to certain legal protections and debt relief pursuant to the
Servicemembers Civil Relief Act (50 USC App. §§ 501-596) (SCRA).
Who May Be Entitled to Legal Protections Under the SCRA?
Active duty members of the Army, Navy, Air Force, Marine Corps, Coast Guard,
and active service National Guard;
Active service members of the commissioned corps of the National Oceanic and
Atmospheric Administration;
Active service members of the commissioned corps of the Public Health Service;
United States citizens serving with the armed forces of a nation with which the United
States is allied in the prosecution of a war or military action; and
Their spouses.
What Legal Protections Are Servicemembers Entitled To Under the SCRA?
The SCRA states that a debt incurred by a servicemember, or servicemember and spouse
jointly, prior to entering military service shall not bear interest at a rate above 6 percent
during the period of military service.
The SCRA states that in a legal action to enforce a debt against real estate that is filed
during, or within 90 days after the servicemember's military service, a court may stop the
proceedings for a period of time, or adjust the debt. In addition, the sale, foreclosure, or
seizure of real estate shall not be valid if it occurs during, or within 90 days after the
servicemember's military service unless the creditor has obtained a court order approving
the sale, foreclosure, or seizure of the real estate.
The SCRA contains many other protections besides those applicable to home loans.
How Does A Servicemember or Dependent Request Relief Under the SCRA?
In order to request relief under the SCRA, a servicemember or spouse, or both, must
provide a written request to the lender, together with a copy of servicemember's military
orders. The Lender providing this Notice is Members I" Federal Credit Union, ATTN:
Arlanda Dintaman, 5000 Louise Drive, Mechanicsburg, Pennsylvania, 17055. The
phone number is 717-697-1161 or toll free at 1-800-283-2328.
How Does a Servicemember or Dependent Obtain Information About the SCRA?
The U. S. Department of Defense's information resource is "Military OneSource"
Website: http://Nvww.militaryonesource.com
The toll free telephone number for Military OneSource are:
o From the United States: 1-800-342-9647
o From outside the United States (with applicable access code): 800-3429-6477
o International Collect (through long distance operator): 1-484-530-5908
Servicemembers and dependents with questions about the SCRA should contact their
unit's Judge Advocate, or their installation's Legal Assistance Officer. A military legal
assistance office locator for all branches of the Armed Forces is available at
http://Iegalassistance.law.af.mil/content/locator.php
form HUD-92070
(2/2007)
HEMAP Consumer Credit Counseling Agencies
CUMBERLAND County
Report last updated: 10/15/2007 10:03:08 AM
Adams County Interfaith Housing Authority
40 E High Street
Gettysburg, PA 17325
717.334.1518
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
Community Action Commission of Captial Region
1514 Derry Street
Harrisburg, PA 17104
717.232.9757
Loveship, Inc.
2320 North 5th Street
Harrisburg, PA 17110
717.232.2207
Maranatha
43 Philadelphia Avenue
Waynesboro, PA 17268
717.762.3285
PHFA
211 North Front Street
Harrisburg, PA 17110
717.780.3940
800.342.2397
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Date: March 31, 2008
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 to save your home. This Notice explains how the program works.
To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT
COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE.
Take this Notice with you when you meet with the Counseling Agency.
The name, address and phone number of Consumer Credit Counseling Agencies
serving your County are listed at the end of this Notice. If you have any
questions, you may call the Pennsylvania Housing Finance Agency toll free at
1-800-342-2397. (Persons with impaired hearing can call (717) 780-1869).
This Notice contains important legal information. If you have any questions,
representatives at the Consumer Credit Counseling Agency may be able to help
explain it. You may also want to contact an attorney in your area. The local bar
association may be able to help you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA
NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA.
PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S
EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA
PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA.
HOMEOWNER'S NAME(S): JEFFREY C TAYLOR
VALERIE C TAYLOR
PROPERTY ADDRESS: 334 EAST MEADOW DRIVE
MECHANICSBURG, PA 17055
LOAN ACCT. NO.: 245780 - 01
ORIGINAL LENDER: Members 15t Federal Credit Union
CURRENT LENDER/SERVICER: Members 15I Federal Credit Union
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU
MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE:
IF YOUR DEFAULT HAS BEEN
CAUSED BY
CIRCUMSTANCES BEYOND
YOUR CONTROL,
IF YOU HAVE A REASONABLE
PROSPECT OF BEING ABLE
TO PAY YOUR MORTGAGE
PAYMENTS, AND
IF YOU MEET OTHER
ELIGIBILITY REQUIREMENTS
ESTABLISHED BY THE
PENNSYLVANIA HOUSING
FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a
temporary stay of foreclosure on your mortgage for thirty (30) days from the date
of this Notice. During that time you must arrange and attend a "face-to-face"
meeting with one of the consumer credit counseling agencies listed at the end of
this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF
YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU
MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE
CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO
BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the
consumer credit counseling agency listed at the end of this notice, the lender
may NOT take action against you for thirty (30) days after the date of this
meeting. The names, addresses and telephone numbers of designated
consumer credit counseling agencies for the county in which the property is
located are set forth at the end of this Notice. It is only necessary to schedule
one face-to-face meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default
for the reasons set forth later in this Notice (see following pages for specific
information about the nature of your default.) If you have tried and are unable to
resolve this problem with the lender, you have the right to apply for financial
assistance from the Homeowner's Emergency Mortgage Assistance Program. To
do so, you must fill out, sign and file a completed Homeowner's Emergency
Assistance Program Application with one of the designated consumer credit
counseling agencies listed at the end of this Notice. Only consumer credit
counseling agencies have applications for the program and they will assist you in
submitting a complete application to the Pennsylvania Housing Finance Agency.
Your application MUST be filed or postmarked within thirty (30) days of your
face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO
OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN
THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME
IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE
WILL BE DENIED.
AGENCY ACTION - Available funds for emergency mortgage assistance are
very limited. They will be disbursed by the Agency under the eligibility criteria
established by the Act. The Pennsylvania Housing Finance Agency has sixty (60)
days to make a decision after it receives your application. During that time, no
foreclosure proceedings will be pursued against you if you have met the time
requirements set forth above. You will be notified directly by the Pennsylvania
Housing Finance Agency of its decision on your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A
PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS
FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE
CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.
(If you have filed bankruptcy you can still apply for Emergency Mortgage
Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to
date).
NATURE OF THE DEFAULT --The MORTGAGE debt held by the above lender
on your property located at: 334 EAST MEADOW DRIVE, MECHANICSBURG,
PA 17055
IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MORTGAGE PAYMENTS for the following installments and the following
amounts are now past due: $834.28 DUE ON 1/16/2008,$844.91 DUE ON 2/16/2008,$844.91 DUE ON
3/16/2008
Other charges (explain/itemize):
TOTAL AMOUNT PAST DUE: $2,524.10
B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not
applicable):
HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (30)
DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE
TO THE LENDER, WHICH IS $2,524.10, PLUS ANY MORTGAGE PAYMENTS
AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY
PERIOD. Payments must be made either by cash, cashier's check, certified
check or money order made payable and sent to:
Members 1St Federal Credit Union, 5000 Louise Drive. Mechanicsbu
17055, Attention: Arlanda Dintaman
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.)
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, 334 EAST MEADOW DRIVE, MECHANICSBURG, PA 17055
IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be
sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to
its attorneys, but you cure the delinquency before the lender begins legal
proceedings against you, you will still be required to pay the reasonable
attorney's fees that were actually incurred, up to $50.00. However, if legal
proceedings are started against you, you will have to pay all reasonable
attorney's fees actually incurred by the lender even if they exceed $50.00. Any
attorney's fees will be added to the amount you owe the lender, which may also
include other reasonable costs. If you cure the default within the THIRTY (30)
DAY period, you will not be required to pay attorney's fees.
OTHER LENDER REMEDIES - The lender may also sue you personally for the
unpaid principal balance and all other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have
not cured the default within the THIRTY (30) DAY period and foreclosure
proceedings have begun, you still have the right to cure the default and prevent
the sale at any time up to one hour before the Sheriffs Sale. You may do so by
paying the total amount then past due, plus any late or other charges then due,
reasonable attorney's fees and costs connected with the foreclosure sale and
any other costs connected with the Sheriffs Sale as specified in writing by the
lender and 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 Sheriffs Sale of the mortgaged property could be held would be
approximately Three(3) months from the date of this Notice. A notice of the
actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the
amount needed to cure the default will increase the longer you wait. You may
find out at any time exactly what the required payment or action will be by
contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender: Members 1st Federal Credit Union
Address: 5000 Louise Drive, Mechanicsburg, PA 17055
Phone Number: (717) 795-6031 or (800) 283-2328 Ext. 6031
Fax Number: (717) 795-5207
Contact Person: Arlanda Dintaman
EFFECT OF SHERIFF'S SALE -- You should realize that a Sheriffs Sale will end
your ownership of the mortgaged property and your right to occupy it. If you
continue to live in the property after the Sheriffs Sale, a lawsuit to remove you
and your furnishings and other belongings could be started by the lender at any
time.
ASSUMPTION OF MORTGAGE -- You may not sell or transfer your home to a
buyer or transferee who will assume the mortgage debt, provided that all the
outstanding payments, charges and attorney's fees and costs are paid prior to or
at the sale and that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAIN;MONEY TO PAY OFF
THE MORTGAGE DEBT OR TO BORROW MONEY FROM
ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY
ACTING ON YOUR BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME
POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU
CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS
RIGHT TO CURE YOUR DEFAULT MORE THAN THREE
TIMES IN ANY CALENDAR YEAR.)
TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY
FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT
INSTITUTED UNDER THE MORTGAGE DOCUMENTS,
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY
HAVE TO SUCH ACTION BY THE LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL
BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY
Certified Mail # 7007 1490 0003 5846 5368
Servicemembers Civil'
Relief Act
Notice Disclosure
U.S. Department of Housing
and Urban Development
Office of Housing
Legal Rights and Protections Under the SCRA
MB Approval No. 2502-0565
(exp 4/30/2007)
Servicemembers on "active duty" or "active service," or a dependent of such a
servicemember may be entitled to certain legal protections and debt relief pursuant to the
Servicemembers Civil Relief Act (50 USC App. §§ 501-596) (SCRA).
Who Mav Be Entitled to Legal Protections Under the SCRA?
Active duty members of the Army, Navy, Air Force, Marine Corps, Coast Guard,
and active service National Guard;
Active service members of the commissioned corps of the National Oceanic and
Atmospheric Administration;
Active service members of the commissioned corps of the Public Health Service;
United States citizens serving with the armed forces of a nation with which the United
States is allied in the prosecution of a war or military action; and
Their spouses.
What Legal Protections Are Servicemembers Entitled To Under the SCRA?
The SCRA states that a debt incurred by a servicemember, or servicemember and spouse
jointly, prior to entering military service shall not bear interest at a rate above 6 percent
during the period of military service.
The SCRA states that in a legal action to enforce a debt against real estate that is filed
during, or within 90 days after the servicemember's military service, a court may stop the
proceedings for a period of time, or adjust the debt. In addition, the sale, foreclosure, or
seizure of real estate shall not be valid if it occurs during, or within 90 days after the
servicemember's military service unless the creditor has obtained a court order approving
the sale, foreclosure, or seizure of the real estate.
The SCRA contains many.other protections besides those applicable to home loans.
How Does A Servicemember or Dependent Request Relief Under the SCRA?
In order to request relief under the SCRA, a servicemember or spouse, or both, must
provide a written request to the lender, together with a copy of servicemember's military
orders. The Lender providing this Notice is Members I S` Federal Credit Union, ATTN:
Arlanda Dintaman, 5000 Louise Drive, Mechanicsburg, Pennsylvania, 17055. The
phone number is 717-697-1161 or toll free at 1-800-283-2328.
How Does a Servicemember or Dependent Obtain Information About the SCRA?
The U. S. Department of Defense's information resource is "Military OneSource"
Website: http://www.militaryonesource.com
The toll free telephone number for Military OneSource are:
o From the United States: 1-800-342-9647
o From outside the United States (with applicable access code): 800-3429-6477
o International Collect (through long distance operator): 1-484-530-5908
Servicemembers and dependents with questions about the SCRA should contact their
unit's Judge Advocate, or their installation's Legal Assistance Officer. A military legal
assistance office locator for all branches of the Armed Forces is available at
http://Iegalassistance.law.af mil/content/locator.php
form HUD-92070
(2/2007)
HEMAP Consumer Credit Counseling Agencies
CUMBERLAND County
Report last updated: 10/15/2007 10:03:08 AM
Adams County Interfaith Housing Authority
40 E High Street
Gettysburg, PA 17325
717.334.1518
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
Community Action Commission of Captial Region
1514 Derry Street
Harrisburg, PA 17104
717.232.9757
Loveship, Inc.
2320 North 5th Street
Harrisburg, PA 17110
717.232.2207
Maranatha
43 Philadelphia Avenue
Waynesboro, PA 17268
717.762.3285
PHFA
211 North Front Street
Harrisburg, PA 17110
717.780.3940
800.342.2397
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MEMBERS 1 ST FEDERAL IN THE COURT OF COMMON PLEAS
CREDIT UNION, CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff _
V. NO. p$- 1484o2 Civil lean
JEFFREY C. TAYLOR and CIVIL ACTION - LAW
VALERIE C. TAYLOR, IN MORTGAGE FORECLOSURE
Defendant(s) :
CIVIL ACTION - LAW
AMENDED
COMPLAINT IN MORTGAGE FORECLOSURE
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after the 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 CAN NOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDCE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 S. Bedford St
Carlisle, PA 17013
1-800-990-9108
717-249-3166
AVISO
LE HAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE
CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE
USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA
DEMANDA Y AVISO. PARA DEFENDERSE ES NECESSARIO QUE LISTED, O SU
ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA
DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA.
RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE
PROSEGUIR CON EL PROCESO SIN SU PARTICIPACION. ENTONCES, LA COUTE
PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA
QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR
RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DINERO,
PROPIEDAD U OTROS DERECHOS IMPORTANTES.
LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE.
SI NO CONOCE A UN ABOGADO, LLAME AL "LAWYER REFERENCE
SERVICE" (SERVICIO DE REFERENCIA DE ABOGADOS),
Cumberland County Bar Association
32 S. Bedford St
Carlisle, PA 17013
1-800-990-9108
717-249-3166
IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE,
BE ADVISED THAT:
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15
U.S.C. § 1692 et seq. (1977), DEFENDANT(S) MAY DISPUTE THE
VALIDITY OF THE DEBT OR ANY PORTION THEREOF. IF
DEFENDANT(S) DO SO IN WRITING WITHIN THIRTY (30) DAYS OF
RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL
OBTAIN AND PROVIDE DEFENDANT(S) WITH WRITTEN
VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE
ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN
THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR
PLAINTIFF WILL SEND DEFENDANT(S) THE NAME AND ADDRESS
OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE.
THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF
THE THIRTY (30) DAY PERIOD FOLLOWING FIRST CONTACT WITH
YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN
THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS
COMPLAINT IS TO BE FILED IN THIS ACTION WITHIN TWENTY
(20) DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME.
FURTHERMORE, NO REQUEST WILL BE MADE TO THE COURT
FOR A JUDGMENT UNTIL THE EXPIRATION OF THIRTY (30) DAYS
AFTER YOU HAVE RECEIVED THIS COMPLAINT. HOWEVER, IF
YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS
OF THE ORIGINAL CREDITOR WITHIN THE THIRTY (30) DAY
PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT,
THE LAW REQUIRES US TO CEASE OUR EFFORTS (THROUGH
LITIGATION OR OTHERWISE) TO COLLECT THE DEBT UNTIL WE
MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD
CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR
RIGHTS AND OBLIGATIONS IN THIS SUIT.
IF YOU HAVE FILED BANKRUTPCY AND RECEIVED A DISCHARGE,
THIS IS NOT AN ATTEMPT TO COLLECT A DEBT. IT IS AN ACTION
TO ENFORCE A LIEN ON REAL ESTATE.
MEMBERS 1 ST FEDERAL IN THE COURT OF COMMON PLEAS
CREDIT UNION, CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
V. NO.
JEFFREY C. TAYLOR and CIVIL ACTION - LAW
VALERIE C. TAYLOR, IN MORTGAGE FORECLOSURE
Defendant(s)
AMENDED COMPLAINT
The Amended Complaint of Plaintiff, Members 1st Federal Credit Union ("Members
1 st"), by and through its attorneys, Van Eck & Van Eck, P.C., seeking mortgage foreclosure in
the above action is as follows:
1. Plaintiff, Members 1 st, is a financial institution authorized to conduct business in
the Commonwealth of Pennsylvania with a principal place of business located at 5000 Louise
Drive, Mechanicsburg, Pennsylvania, 17055.
2. Defendant, Jeffrey C. Taylor, is an adult individual whose last known address is
334 East Meadow Drive, Mechanicsburg, PA 17055.
3. Co-Defendant, Valerie C. Taylor, is an adult individual whose last known address
is 334 East Meadow Drive, Mechanicsburg, PA 17055.
4. Defendant(s) is/are the mortgagor(s) and real owner(s) of the property hereinafter
described.
5. On or about December 30, 2004, Defendants, Jeffrey C. Taylor and Valerie C.
Taylor, executed and delivered a mortgage and note upon the premises hereinafter described to
Members 1 st (the "Mortgage"). The mortgage is recorded in the Office of the Recorder of Deeds
in and for Cumberland at mortgage book 1893, Page 3508. A copy of the mortgage is attached
hereto as Exhibit "A" and a copy of the note is attached hereto as Exhibit "B".
6. The premises subject to the mortgage referenced above is described in the
mortgage attached as Exhibit "A" and is known as 334 East Meadow Drive, Mechanicsburg, PA
17055.
7. The Mortgage is in default because monthly payments of principal and interest
due January 16, 2008 and each month thereafter are due and unpaid. The terms of the Mortgage
provide for the entire principal balance and all interest due thereon to be due upon failure of the
mortgagor to make such payments after written notice to the Mortgagor.
8. The following amounts are due on the Mort a e•
In g
(a) Unpaid principal balance $88,755.28
(b) Interest at $14.5656 per day
from 01/16/08 to 08/08/08
(based on contract rate of 5.990%) $ 2,563.54
(c) Late fees $ 253.50
(d) Escrow $
(e) Title Search $
(f) Attorney's fees and Commission $ 1,000.00
(g) Costs of Suit $ 178.50
TOTAL $92,750.82
9. The attorney's fees set forth above are in conformity with the Mortgage
documents and Pennsylvania law, and will be collected in the event of a third party purchaser at
Sheriffs Sale. If the Mortgage is reinstated prior to the sale, reasonable attorney's fees will be
charged.
10. Notice of Intention to Foreclose as set forth in Act 6 of 1974, Notice of
Homeowner's Emergency Assistance Program pursuant to Act 91 of 1983, as amended in 1998,
and/or Notice of Default as required by the mortgage document, as applicable, have been sent to
the Defendant(s) on the date(s) set forth thereon, and the temporary stay as provided by said
notice has terminated because Defendant(s) has/have failed to meet with the Plaintiff or an
authorized consumer credit counseling agency, or has/have been denied assistance by the
Pennsylvania Housing Finance Agency. True and correct copies of the above notices, as
relevant, were sent by regular mail and by certified mail, return receipt requested and are
attached hereto as Exhibit "C".
11. This action does not come under Act 6 of 1974 because the original mortgage
amount exceeds $50,000.00.
WHEREFORE, Plaintiff demands an in rem Judgment against the Defendant(s) in the
sum of $92,750.82, together with interest from August 8, 2008 at the per diem rate of $14.5656
to the date of Judgment, and other costs and charges collectible under the Mortgage and for the
foreclosure and sale of the mortgaged property.
VAMECK & VAN ECK, P.C.
Dated: August 14, 2008 By; W jM=j
Henry W. Eck, Esquire
VAN ECK VAN ECK, P.C.
Attorney I.D. No. 83087
7810 Allentown Blvd
PO Box 6662
Harrisburg, PA 17112
(717) 540-5406
Attorneys for Plaintiff
MEMBERS 1 ST FEDERAL
CREDIT UNION,
Plaintiff
V.
JEFFREY C. TAYLOR and
VALERIE C. TALOR,
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO.
CIVIL ACTION - LAW
IN MORTGAGE FORECLOSURE
Defendant(s) :
VERIFICATION
I verify that the statements made in the foregoing document are true and correct to the
best of my knowledge, information, and belief. I understand that false statements herein made
are subject to the penalties of 18 Pa. C.S.A. Section 4904, relating to unsworn falsification to
authorities.
Date: July 18, 2008
BY:
EDIT «A„
I
e
2005 AN 6 Ai'1 lI 29
Prepared By: Members 1st FCU
5000 Louise Drive
Mechanicsburg, PA 17055
Return To: Members Ist FCU
Real Estate Department
5000 Louise Drive
Mechanicsburg, PA 17055
MORTGAGE
Made 12/30/2004
Between
JEFFREY C TAYLOR AND VALERIE C TAYLOR
(hereinafter called "Mortgagor"
And
MEMBERS 1s'r FEDERAL CREDIT UNION (hereinafter called "Mortgagee")
Whereas, Mortgagor has executed and delivered to Mortgagee a certain Mortgage Note (hereinafter
called the "Note") of even date herewith, payable to the order of Mortgagee in the principal sum of
$ 100,000.00 lawful money of the United States of America, and has provided therein
for payment of any additional moneys loaned or advanced thereunder by Mortgagee, together with
interest thereon at the rate provided in the Note, in the manner and at the times therein set forth, and
containing certain other terms and conditions, all of which are specifically incorporated herein by
reference;
Now, Therefore, Mortgagor, in consideration of said debt or principal sum and as security for the
payment of the same and interest as aforesaid, together with all other sums payable hereunder or under
the terms of the Note, does grant and convey unto Mortgagee,
All that certain property of the Mortgagor located in UPPER ALLEN
TOWNSHIP OF Cumberland County, Pennsylvania
DEED DATED 12/23/88
BOOK 533
PAGE 1181
which currently has the address of 334 E MEADOW DR
MECHANICSBURG Pennsylvania [Street] 17055
[City] [Zip Code]
Acct No 245780-01 AppiD 92958
Page 1 of 4
BK ! 893P63508
Together with the buildings and improvements erected thereon, the appurtenances thereunto
belonging and the reversions, remainders, rents, issues and profits thereof.
To Have and To Hold the same unto Mortgagee, its successors and assigns, forever.
Provided, However, That if Mortgagor shall pay to Mortgagee the aforesaid debt or principal sum,
including additional loans or advances and all other sums payable by Mortgagor to Mortgagee hereunder
and under the terms of the Note, together with interest thereon, and shall keep and perform each of the
other covenants, conditions and agreements hereinafter set forth, then this Mortgage and the estate hereby
granted and conveyed shall become void.
This Mortgage is executed and delivered subject to the following covenants, conditions and
agreements:
(1) The Note secured hereby shall evidence and this Mortgage shall cover and be security for any
future loans or advances that may be made by Mortgagee to Mortgagor at any time or times hereafter and
intended by Mortgagor and Mortgagee to be so evidenced and secured, and such loans and advances shall
be added to the principal debt.
(2) From time to time until said debt and interest are fully paid, Mortgagor shall: (a) pay and
discharge, when and as the same shall become due and payable, all taxes, assessments, sewer and water
rents, and all other charges and claims assessed or levied from time to time by any lawful authority upon
any part of the mortgaged premises and which shall or might have priority in lien or payment to the debt
secured hereby, (b) pay all ground rents reserved from the mortgaged premises and pay and discharge all
mechanics' liens which may be filed against said premises and which shall or might have priority in lien
or payment to the debt secured hereby, (c) pay and discharge any documentary stamp or other tax,
including interest and penalties thereon, if any, now or hereafter becoming payable on the Note
evidencing the debt secured hereby, (d) provide, renew and keep alive by paying the necessary premiums
and charges thereon such policies of hazard and liability insurance as Mortgagee may from time to time
require upon the buildings and improvements now or hereafter erected upon the mortgaged premises,
with loss payable clauses in favor of Mortgagor and Mortgagee as their respective interests may appear,
and (e) promptly submit to Mortgagee evidence of the due and punctual payment of all the foregoing
charges; provided, however, that Mortgagee may at its option require that sums sufficient to discharge
the foregoing charges be paid in installments to Mortgagee.
(3) Mortgagor shall maintain all buildings and improvements subject to this Mortgage in good and
substantial repair, as determined by Mortgagee. Mortgagee shall have the right to enter upon the
mortgaged premises at any reasonable hour for the purpose of inspecting the order, condition and repair
of the buildings and improvements erected thereon.
AWN. 245780-01 AppiD 92958
Page 2 of 4
-K 18.93PG350:9
(4) In the event Mortgagor neglects or refuses to pay the charges mentioned at (2) above, or fails to
maintain the buildings and improvements as aforesaid, Mortgagee may do so, add the cost thereof to the
principal debt secured hereby, and collect the same as a part of said principal debt.
(5) Mortgagor covenants and agrees not to create, nor permit to accrue, upon all or any part of the
mortgaged premises, any debt, lien or charge which would be prior to, or on a parity with, the lien of this
Mortgage.
(6) In case default be made for the space of thirty (30) days in the payment of any installment of
principal or interest pursuant to the terms of the Note, or in the performance by Mortgagor of any of the
other obligations of the Note or this Mortgage, the entire unpaid balance of said principal sum, additional
loans or advances and all other sums paid by Mortgagee pursuant to the terms of the Note or this
Mortgage, together with unpaid interest thereon, shall at the option of Mortgagee and without notice
become immediately due and payable, and foreclosure proceedings may be brought forthwith on this
Mortgage and prosecuted to judgment, execution and sale for the collection of the same, together with
costs of suit and an attorney's commission for collection of five percent (5%) of the total indebtedness or
$200, whichever is the larger amount. Mortgagor hereby forever waives and releases all errors in said
proceedings, waives stay of execution, the right of inquisition and extension of time of payment, agrees
to condemnation of any party levied upon by virtue of any such execution, and waives all exemptions
from levy and sale of any property that now is or hereafter may be exempted by law.
(7) Upon payment of all sums secured by this Mortgage, this Mortgage and the estate conveyed shall
terminate and become void. After such occurrence, Mortgagee shall discharge and satisfy this Mortgage.
Mortgagor shall pay any recordation costs. Mortgagee may charge Mortgagor a fee for releasing this
Mortgage, but only if the fee is paid to a third party for services rendered and the charging of the fee is
permitted under Applicable Law.
The covenants, conditions and agreements contained in this Mortgage shall bind, and the benefits shall
inure to, the respective parties hereto and their respective heirs, executors, administrators, successors and
assigns, and if this Mortgage is executed by more than one party, the undertakings and liability of each
shall be joint and several.
Acct No 245780-01 92958
AppID Page 3 of 4
A t 8-93PG35 10
Witness the due execution hereof the day and year first above written.
Commonwealth of Pennsylvania
County of C[1rBER AND
ss:
On this, the 30th day of DECEMBER 2004 , before me,
ISODEAN M IXECE4- the undersigned officer, personally appeared
C TAYUK satisfactorily proven to
me to be the person(s) whose name(s) is/are subscribed to the within Mortgage, and acknowledged that
he/she executed the same for the purposes therein contained.
In Witness Whereof, I hereunto set my hand and official seal.
111,0U C) R Gm L22 G
My commission expires:
Nota tal Seal
Wodeen M. Wm*. Notary Publio
Lawer Aden TM).- Cumberland Cowry
My ConaftoWn E*n Mar. 7, 2005
M9mbw,,FmnWNerAaANDC1Wono1NoWW
Members I- Federal Credit Union, Mortgagee within named, hereby certifies that its residence
is 5000 Louise Drive, Mechanicsburg, PA 17055.
By + V I -A A >
Acct No 245780-01 App1D 92958 Page 4 of 4
T Certify this to
In Cumberland ti, t it\ r,
Recorder of Deeds
BN 18-93K,351-1
Exhibit "B"
5000 Louisa, Drive, P.O. Box 40
Mechanicsburg. PA 17055
M?RMRERS is
CLOSED-END NOTE, DISCLOSURE,
00FO WER'8 NWEANO AOORESS
JEFFER?E?YpCpTAYLOR
M UNr NUM B K . PA 17055
W? RA-ft 599% VALERIE 0 TAYLOR
PReIOPAL AMOtRR LCUMNUMNA
r'llm C60ORROWERS UWE
X Pow Vmmw ? -
ANNUAL. PERCENTAGE FINANCE CHARGE: Amount Maned: The amount of Total of Payrnwit : The ammd
RATE: the coat of you aedtt as a The dollar amount the Credd will credit provided to you or on your you wN have paid after you have
yearly rate-' coat you. behax made d payments as adnedulsd.
U9% e S 52231.03 • $ 100,000.00 • $ 152,231.03 •
VwMWRk w lyarloan tms avadabts rats a bdntsd above to NOW Paamage Ray may baaase during the tam arm vansadim kte
(sd•al dw0•s. Ths
masdt maMon bdl add ¦ nmafin d b Mna bMax •abte, TM ray sAl crane- rttdrthly on the first datr dthe rtmomnMl. The me wM nova W ldghertham Ae nnarklsurt mats aDosrW by
bw, aM kvi near W norm than . Arty hW d rata kcmnaswM Mug kl olom p of tlr same anOnL For EYangde, k yo r ban was for S5,000 al 15% fa 4a
M
tA
d ta
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1
mdn
s an
e
a
aeadpe Ray bmewad by 2
A after am year, the tam of your ban wand home" by Ism rnaWr
arms - -,
Aulmdlb revised Obcor dw Nadio 1kc aw you two agreed In fake mp" month parvards Mudugh an admmaa dsduasontran your OheetklQmsa•bge
Account. yoWANNUAL PERCENTAGE RATE has bwn dsc=*W byyy 2t1%.7M ANNUAL PERCENThOE RATE dbdosad above in the ANNUAL PERCENTAGE RATE boa k
-Ai
M
A
Md
Dy
b
a
u WN
g
omvv
Rata. Tlds Mo wr bmaw
y 2o% k an the aaarmea aQaay?r 30 tt aralQamrt drfal b oUbdayl 4A*ntiuhde h youraccourt to
oovrp?mgte, b such a mass, 9b elbd dtM si b srMrld Um Icon atyarban. For aarnpb. k AdmaNa Pryrd DWwun d Rate is 10%
an a benkr all mordw and you cow Fa admroc psymaat ananpatat, yaw rob YA iarrearswas• to 10.20%. rsaultlny h 1 addsyrW psymmL
Varrahb P.00 ad Loarme. Nygrloan b a mmrbble de bon add you 9M•Ny far a p W*tod rob, yaw preferred me= nt b taken atsta dme you tats ad boa
This
6 ANNUAL PERCENTAGE RATE mw M
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o
AGN RATE Is 12% at to am you Was am ban, your bW preferred ANNUAL PERCENTAGE RATE sdN be WA%. Your=1 (rdaned ANNUAL PERCENTAGE '
RATEda tlnap vay amonWg In am bdet< a dbdowd In Ma'Vaybb Rob' pmrWkn above.
Pbmd raw Ptelacad Loan. Yyarlsal y a fatl Ray loan and you queaty for a pdamd RAW, your ANNUAL PERCENTAGE RATE wW be the preferred ANNUAL
1
PERCJ3RTA0? RATE ds
shwa fir w a shkte munoM In 0800
Numhia d Poss mitts Amount of Payments PayrrwR Fragwnq When Paymarro Ave DUN Property insurance: You may obtain
tnalYMrIC! ttOmanrale•youward that h bYour e b.
lf
i
th
'
yau ?t
nsurArms from the
e
p,Po 179 $845.73 : Mor" T 9a9tsmY19.
• ; 02!15!2005 Wa ?.
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Becurlty aecvbg bamwenlwasdtmabn
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ITEMIZATION
AMOUNT-FINANCED S 100,000.00 Amount Paid to others on your bee (Daacrtbe) .
AMOUNT GfY1 N TO YOU DIRECTLY$.. 25,100.28 S' To Laraeob Lh $ To
SP?D . To Ifardswe tae $ To
'AMOUNTPAI? ON YOMACCOUNT$ Ssodnm To CM S $ To
:7000,74 --To LITTONLOANSEWMa LP Sam TO Few
PREPAID ECHARGE $ 0.00 $ To Aasdaakaaa $ To, NYdadAhns
_ SECURITY RUrOIiIMTlpii
MARE MODE. YEAR LO.NUMBER TYPE VALUE
OTHER ( , tribe): 334 E MEADOW DRIVE MECHANICSBURG PA 17055
YOU Pledpa AMDUNT ACCOIWTNIII?ER
DBPXM
I
AMOUNT ACCOUNTNUYBER
t S $
Yau`apme Umri ad tmm mla b Old atalimrmmkt Itrmd MM lain aid ( do piQe'z df dit 11001A dd dual applyb lids ban. k Mama b aura
t" ooa . Vm• agfaaOm>t al am bflha bommod sauaa'y swoutroMts Ilan dNa, io ball and savor*. You rcJotoww" tit you Lwo
mumabed i to ban *W socsoly iQma a is and dtelotmre etdemaam. CO-aLpw yml KONpI Of the nouce 10 co-signer
aartatued m 2
. DATE Eli ., DATE
•. (1;FrLu •
? ttRER OWNER ? "CO40*R ' • DA TIBER OWNER[] "Co-51GNElt
(SEAL)
X' COMAKkg Q-CTNEROWNER,0-904r IER.t- -OA M X CO-tMEOcRR ?•OTtIE MNER0 -gO4lGNER' (SITF
•orNlR'OMlAril•a•r •ba M?r.J?.yYwt(mt?Ikr rsmrY.rY..A YMaIw•drwW sWolarrt.a/t.a?.rn.ri. i•a.?r?yYrlyd/+.say. W?iM, w WiA+k eve
?dMa,la•Ma IrrbllnMd?Ir'gWbYSr1yM.+rr."WilaltRlM M?RW aMa,nY..W?rMYw.ey/1*rfen lM'???,1enr?r?.l r?W Yr{M
e.rw..m,.n..r' .?wr.wM.:rw.ra.rwr.rrwMra?...
APPLICATION FOR GROUP CRE'Dfl' INSURANCE
1(wa we M Y1sm•aO s yasmpyMa WeratandMUt msyWpad Drlfr boortmsmm MWMe eowmp.b to cmcft
1ha? 1la Padua of 96 isanm isY;M ; sedaarmequYem( adrb oemR adfatl MlmosY msmlmmdaYdbydoa.TpsaJ ufmmNSmd M?atyJoirLWWwawlt sekde4we
craloavdi` b ),cod ambfe uuddh beh and M?td?p?q?da?•md onfasors w notdQL•brbasasa AppLl
d?MMtaieea NgT CO.APPLJGNr
'Tlb
t • ;wuatftWsk nd4m?yamdl mot lylarlnaaaomx YES NO yrE?aE rNp?
1.. Va*mW ae4wace eor?WE soLayylaMynu b.&L;dwape7DmtAshoWMdMAN*dyWrdyowt r? you Q ? L^.l U
.2 oUMP y9o`e breopp r +sem?aa?eW0Amrd soradn f.1,gDOysam?omMYae bdN warldrog
badmM.w tf°" 1o"je"°"a's m.sal doLpnw..?L e?Lym; ma r.?arm?r?..ndb.Ld.rm ? ® El 0
?,.O?hrt' , ,? alDni? yNwaiMOeDdeyrdll? sryAD?dSdfUnstm edjLNCedPWV rvivZor d9 taw. ' . ? ? ? ?
wllhd beDwet !N mappiLatdrLawrYa'bW4a+m 2, WS M!+?tw?mnri?iWtmpoyceam?a„?jmp+mW4mWa i?;lurorJrffi• MIMDis pMrrm bt•rotdio?lelatmsaieaw
aaWerntq we kmwr>MheM¦dtlMaaM' ado'm WIL MybasoiMmMOknowtNLF db?uzZmak rN ?ama?wnnifs: oleo oa rarbparanoe
vA4dmba amame coymnabrbryfeWkiamrltl armeeeW loftlw umpw d mowdmadedel War- act.
waJsdMasr prsaats ufaimd em wasa?e?mnoLalydPMds eappaanmM yyw ?.=fact ThIs. 10das.?a not M• cradle aeat.d leg .ppduMl.
Ma•b epsc••Iwr wd?vbMSn amapLrµ 0m1m=bamislgned' fdM1d daladlMappfcWonaW MtlrpiotMaaq ad.
CREDIT It/SUR ?yGE APPLIED POIt• NOTE: ONLY ONE APPL1CANr MAY APPLY FOR DISABMfTY COVERAGE
0 Yea 'X Na SIM & credit life -Total Premium Q Yes . Q No • Credit Disabilly Total Premium
Yes x No ' Joint Credit Life
bIcsto WOkLa 11(s): ? Appleamt? Codlpp0eam ;_$0,D0 wk-r-t Y• ? Appb+nl[] C.Appli..9 0.00 .
v .I i
LIW06-43se.37 A'.
_
MW-07-a2MX? L,7SSPAIC R0 F. 43M Rav. 1101 oe... t ..! o GOPYRGM 1997 on ssm W aid Repose, ft N aym:esereed
JeORVVP-WSWAE
LOAN NUMBER ACCOUNT NUMBER DATE OF LOAN
JEFFREY C TAYLOR i ... - 92858,••. •;,;:u 24678001 12/302004
IN THESE Atfe? jjgg,, THE WORDS 'CRWIT UMON. MEANS
NAMED AS B OR MEMBERS 1ST FEDERAL CREDIT UMOrL THE WORDS YOU,' YOUR' AND 'YOURS" MEAN THOSE
ROKMER(S).
LOAN AGREEMENT 41ECUMW AGREEMENT
Pay,mi- manbfFktrnq Cbantes?Fwv`akre received. you P!!e to P?Y. at 1: Tonaiin o¦wu¦nto?w.le.s. a .u..._w..... ?__.?.... - -
lo¦n or tw ¦ny
Ate. If tai to?' arty by its Bm?e R it duewya?i w AI PsY ? after ban t° it a dtyaadnlLU 11d??( for Na
afld6atW lnt the O anIOUDL =aowse ?11oW t6¦ rl!:T o Mannrount¦
AUoead- of Paymatb and Adiftorsel pan r Prawry
? Shay be applied ink any ordee Any dtw Aire and any t ryHman a 5¦
po1¦oa?a trim of sedl; gran non Au¦ ineurrence pooniumg; accrued Interest: ar kmy8V VA1111 bbg p?dPAL PAymi rds Made In addition 2. ?ou Iha ?y(? d, Wl or banslrtl d collowal unless
n?y PaymettA Md be appled in the saute orders¦l+dr raWe omaent you have
Prok tide dotsttnrFk I. kf UP. cab disrJasad on ppaappes 1 of a . You arrant Seat M tllk b M comet
d tl vaud lm¦,eab
any •
rata ad m wYr . undasfartd P tltrt Io tM mial and am br
tWhet y?pplal?redmltlm ,at the ti>sdoxd to you to' for the owar dt mo.lrr who tu¦.?+po? n am Indic ed
A ?'? B mLmt u ado °ars of aP 4 ' ? aM,t-- _WO,e:tY
derldittp Ute tsban. You to txNbwe b "¦
rpm: Byo under this evert if ai¦rua adwae?n
? ns ¦ and ih WoP?Y
if one Is t n rake a IaM paymad??you ayrae to pay a late charge ??
s aaat a n?ar4?ISUr roa r bs In m In frawhich l an the 111*4 Pro ?1 oolrtait a loan seared rA011a b unbn ou a v¦dy,sdaa,ss
p tertYOU?tse Proot
otltr you must obtain Insurance wfddt niator ate pise credit s me ? am Limon
Won but
from bx The amount and ?vr?s dih8 popeRy trala
rtsutrartoe be to the credit Wort Sudr a pa6q must „? 10#W b rsaM tlfs of an
eat M, B t ombined ad?iand co:wmaes anp ooptaion ?s
itltlst oontaYt a Loss Payabla clause endorsement na ft the ' WtleIL Y C?idt
unm b aidarse or sums awed as
cradd union Wid
ends ppy theta to
aslbn Itakkr. You may obtain ttds Insurance from amr spent art.. to it
y
Policy- e h o l a R o m ked the agent to send the credit union a copy fo Hie Y credit n ,?. you t tdr? ?awlee Cady
Debtor Resooal6WM You pramleaY twWy • ,
I do fear bas W. Yw b h°rldw °" u,amt aerN? ?v wa o.ait
mrt Us your nacres lMribesae of emplo nrrd p un ?y Prsnarsy fi# Pnxeemn o the
yyoouurlmowhers Atlon you ratable Io repay ..
io kdo se to the credit audetteiQrL You prardss a . m+asds+a en?t udm trl at thr
snit craw on ttdtklt mlatas to your ably to d h wW rtbr resa,tyn? °
a or
k orntatlort or lUy Y?al elnfOnsayon regaldktg Your aed9lwortldriess, . a¦bat"e rbeas? M r asry to ProtKt Vin gahat poohtsea
cr
Delloult: You b*oonskieredindetm*gsnyoftwfolomfto- 1) Y. ate Stalldklg,? or cradI eapadly. 7. • as dNeIN Loan should iN qWk union lies
Nymbniak?rlp.mniwnmwsurdaf#bL=Agremmiarufidwt% cook .'maw th or$* ar taladY ud ai In lawh
at Rua aMt ynkat'a b ultret,tlta
or (2) not use Zncr the craidit-urion
for PufP01B=1n your ap or (3) NON cam Rion good lakh bellim #W= of ;a • .:'mumgdaYmy??? to b?tLpalnlsd?¦PrI1M ¦s Cd n
or rival NY *Z?7;s
ou if
or reaftall IF
a0v will
. • . tram[ Is W i p?p?a sale of the
ou or
or pa e eMd d?a?vbfyyklloMtaon ?s?n
involum-- MY, W V-1 1; cir (0) won RES se Any
W, UWk or a
soled 1¦rrrl yea
r lilasnd me TM koldig and
ati d The aadi
at in cran Is 51= =vallo, d6d,%fto Wan
?... ....,:?.... ..dam - - - .
S.
to Ike %..-g
aaady hlareN?wlYdf ttt11 n¦r~?rlestt oeims
aa
B. l?((1Mw 6 more Nsn one tonaiaryour moons a?¦m?
.. ptt¦evanl, ndt briny ?uallY smleto fulfil UtOMlamr at stiftr am
10. hells. and a s. arettd buy binds you, tied yoir'esanaoes. adminidrhims,
Carnrsc#ual Alsdpi of
Yteris Y' 'PledijO jomrA4a6i and deposes In the .
oiWif dNajr, trickrdba,hrbre di Ax socy0ty, for tidy Waa•Iri Coss you
dehuttiilad4o Vt
unionjpuy.a?ty tMri¦ sMrea acrd depos141o auD¦Ymud
4f is sums.dge tt tli¦Y49a M 6?fiuli swludIng costs of aoll¦t m and '
.rasauhle adyrrrry's•1twR, Brat tbi er¦dit iWcn•NW Incur uplu2eS dtlu
wpald alai b No R¦n or rtaht We press a fbn oa sharp ana
d¦pnaibYpply to a
Rasrpe¦ra Acm, W iry ofy awsljane} whteh may. b¦ hdd Iniq'Ntdlvidual .. ..
or'KeeBh Fps" • ... .
NOTICE TO COSIGNER
You are betng'asked to ?uaraidea this debt Think p before you do. If the borrovrsr doe in'1 pay the debt, you.W aLhave to. Ba eun you tan afford.to
Pay if you ba no to. artd.that you want to accept this responaWnlty..
y dt:y have to pay up to the IUti amount of the debt'M the power does not pay. You may also tuive to-pay late fees brcdllactien costs, which Increase this
amoUtil. - yo
? b + e? ? aa ce ano cDn thct fbds asudi ana suing you,tgenushk,g your wages °etc?. If ISerdeD credi M de'fa`"uli, that a ms c ay°?mmethods arofyour credit el
record. This notit the corttrad that makes you raNe for your debt
F. 437681/02 .
APPRO ayWWW vie. 2241are
Page 2 of 2
Irregalar P W*K The credit anion may late. of partial
PAYAbrds even Ill mnked'psytnetttln ful • wllhoutpiQ airy of the,
do* union rights 11th ttgreemanL
Co-i akwor: M1lort are =41 06 aproement'as a'?p tinker, You agree to
uaN n , borrower. but the ota6t union may sue
ar botlt You Tito asdk tstbn does not have to notiN You that this
Payment andhss rig reset paid. The creuiil union trtalF exknd Mle terms of .
Pa"-0 arty ttedattywithout -bfyktg w releasing you from
respmtsibiity on Ws apreanenL
EXHIBIT "C"
Date: March 31, 2008
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE*
This is an official notice that the mort'age on your home is in default, and the
lender intends to foreclose. Specific information about the nature of the default is
provided in the attached pages.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be
able to help to save your home. This Notice explains how the program works
To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT
COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE.
Take this Notice with you when you meet with the Counseling Agency.
The name, address and phone number of Consumer Credit Counseling Agencies
serving your County are listed at the end of this Notice If you have any
questions, you may call the Pennsylvania Housing Finance Agency toll free at
1-800-342-2397. (Persons with impaired hearing can call (717) 780-1869)
This Notice contains important legal information- If you have any questions,
representatives at the Consumer Credit Counseling Agency may be able to help
explain it. You may also want to contact an attorney in your area. The local bar
association may be able to help you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A
CONTINUAR VMENDO 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 CURL PUEDE SALVAR SU CASA DE LA
PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA.
HOMEOWNER'S NAME(S):
PROPERTY ADDRESS:
LOAN ACCT. NO.:
ORIGINAL LENDER:
CURRENT LENDER/SERVICER:
JEFFREY C TAYLOR
VALERIE C TAYLOR
334 EAST MEADOW DRIVE
MECHANICSBURG, PA 17055
245780 - 01
Members 1st Federal Credit Union
members 15t Federal Credit Union
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU
MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE:
IF YOUR DEFAULT HAS BEEN
CAUSED BY
CIRCUMSTANCES BEYOND
YOUR CONTROL,
IF YOU HAVE A REASONABLE
PROSPECT OF BEING ABLE
TO PAY YOUR MORTGAGE
PAYMENTS, AND
IF YOU MEET OTHER
ELIGIBILITY REQUIREMENTS
ESTABLISHED BY THE
PENNSYLVANIA HOUSING
FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a
temporary stay of foreclosure on your mortgage for thirty (30) days from the date
of this Notice. During that time you must arrange and attend a "face-to-face"
meeting with one of the consumer credit counseling agencies listed at the end of
this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF
YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU
MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE
CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO
BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the
consumer credit counseling agency listed at the end of this notice, the lender
may NOT take action against you for thirty (30) days after the date of this
meeting. The names, addresses and telephone numbers of designated
consumer credit counseling agencies for the county in which the property is
located are set forth at the end of this Notice. It is only necessary to schedule
one face-to-face meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default
for the reasons set forth later in this Notice (see following pages for specific
information about the nature of your default.) If you have tried and are unable to
resolve this problem with the lender, you have the right to apply for financial
assistance from the Homeowner's Emergency Mortgage Assistance Program. To
do so, you must fill out, sign and file a completed Homeowner's Emergency
Assistance Program Application with one of the designated consumer credit
counseling agencies listed at the end of this Notice. Only consumer credit
counseling agencies have applications for the program and they will assist you in
submitting a complete application to the Pennsylvania Housing Finance Agency.
Your application MUST be filed or postmarked within thirty (30) days of your
face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO
OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN
THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME
IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE
WILL BE DENIED.
AGENCY ACTION - Available funds for emergency mortgage assistance are
very limited. They will be disbursed by the Agency under the eligibility criteria
established by the Act. The Pennsylvania Housing Finance Agency has sixty (60)
days to make a decision after it receives your application. During that time, no
foreclosure proceedings will be pursued against you if you have met the time
requirements set forth above. You will be notified directly by the Pennsylvania
Housing Finance Agency of its decision on your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A
PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS
FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE
CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT:.
(If you have filed bankruptcy you can still apply for Emergency Mortgage
Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to
date).
NATURE OF THE DEFAULT --The MORTGAGE debt held by the above lender
on your property located at: 334 EAST MEADOW DRIVE, MECHANICSBURG,
PA 17055
IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MORTGAGE PAYMENTS for the following installments and the following
amounts are now past due: $834.28 DUE ON 1/16/2008,$844.91 DUE ON 2/16/2008,$844.91 DUE ON
3/16/2008
Other charges (explain/itemize):
TOTAL AMOUNT PAST DUE: $2,524.10
B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not
applicable):
HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (30)
DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE
TO THE LENDER, WHICH IS $2,524.10, PLUS ANY MORTGAGE PAYMENTS
AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY
PERIOD. Payments must be made either by cash cashier's check, certified
check or money order made payable and sent to:
Members 1St Federal Credit Union, 5000 Louise Drive, Mechanicsburg, PA
17055, Attention: Arlanda Dintaman
You can cure any other default by taking the followin action'within THIRTY (30)
DAYS of the date of this letter: (Do not use if not applicable.)
IF YOU DO NOT CURE THE DEFAULT-If you do not cure the default within
THIRTY (30) DAYS of the date of this Notice, the lender intends to 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, 334 EAST MEADOW DRIVE, MECHANICSBURG, PA 17055
IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be
sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to
its attorneys, but you cure the delinquency before the lender begins legal
proceedings against you, you will still be required to pay the reasonable
attorney's fees that were actually incurred, up to $50.00. However, if legal
proceedings are started against you, you will have to pay all reasonable
attorney's fees actually incurred by the lender even if they exceed $50.00. Any
attorney's fees will be added to the amount you owe the lender, which may also
include other reasonable costs. If you cure the default within the THIRTY (30)
DAY period, you will not be required to pay attorney's fees.
OTHER LENDER REMEDIES - The lender may also sue you personally for the
unpaid principal balance and all other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have
not cured the default within the THIRTY (30) DAY period and foreclosure
proceedings have begun, you still have the right to cure the default and prevent
the sale at any time up to one hour before the Sheriffs Sale. You may do so by
paying the total amount then past due, plus any late or other charges then due,
reasonable attorney's fees and costs connected with the foreclosure sale and
any other costs connected with the Sheriffs Sale as specified in writing by the
lender and 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 Sheriffs Sale of the mortgaged property could be held would be
approximately Three(3) months from the date of this Notice. A notice of the
actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the
amount needed to cure the default will increase the longer you wait. You may
find out at any time exactly what the required payment or action will be by
contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender: Members 1St Federal Credit Union
Address: 5000 Louise Drive, Mechanicsburg, PA 17055
Phone Number: (717) 795-6031 or (800) 283-2328 Ext. 6031
Fax Number: (717) 795-5207
Contact Person: Arlanda Dintaman
EFFECT OF SHERIFF'S SALE -- You should realize that a Sheriffs Sale will end
your ownership of the mortgaged property and your right to occupy it. If you
continue to live in the property after the Sheriffs Sale, a lawsuit to remove you
and your furnishings and other belongings could be started by the lender at any
time.
ASSUMPTION OF MORTGAGE - You may not sell or transfer your home to a
buyer or transferee who will assume the mortgage debt, provided that all the
outstanding payments, charges and attorney's fees and costs are paid prior to or
at the sale and that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF
THE MORTGAGE DEBT OR TO BORROW MONEY FROM
ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY
ACTING ON YOUR BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME
POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU
CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS
RIGHT TO CURE YOUR DEFAULT MORE THAN THREE
TIMES IN ANY CALENDAR YEAR.)
TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY
FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT
INSTITUTED UNDER THE MORTGAGE DOCUMENTS,
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY
HAVE TO SUCH ACTION BY THE LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL
BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY
Certified Mail # 7007 1490 0003 5846 5375
Servicemembers Civil U.S. Department of Housing AB Approval No. 2502-0565
Relief Act and Urban Development (exp 4/30/2007)
Notice Disclosure Office of Housing
Legal Rights and Protections Under the SCRA
Servicemembers on "active duty" or "active service," or a dependent of such a
servicemember may be entitled to certain legal protections and debt relief pursuant to the
Servicemembers Civil Relief Act. (50 USC App. §§ 501-596) (SCRA).
Who Mav Be Entitled to Legal Protections Under the SCRA?
Active duty members of the Army, Navy, Air Force, Marine Corps, Coast Guard,
and active service National Guard;
Active service members of the commissioned corps of the National Oceanic and
Atmospheric Administration;
Active service members of the commissioned corps of the Public Health Service;
United States citizens serving with the armed forces of a nation with which the United
States is allied in the prosecution of a war or military action; and
• Their spouses.
What Legal Protections Are Servicemembers Entitled To Under the SCRA?
The SCRA states that a debt incurred by a servicemember, or servicemember and spouse
jointly, prior to entering military service shall not bear interest at a rate above 6 percent
during the period of military service.
The SCRA states that in a legal action to enforce a debt against real estate that is filed
during, or within 90 days after the servicemember's military service, a court may stop the
proceedings for a period of time, or adjust the debt. In addition, the sale,. foreclosure, or
seizure of real estate shall not be valid if it occurs during, or within 90 days after the
servicemember's military service unless the creditor has obtained a court order approving
the sale, foreclosure, or seizure of the real estate.
The SCRA contains many other protections besides those applicable to home loans.
How Does A Servicemember or Dependent Request Relief Under the SCRA?
In order to request relief under the SCRA, a servicemember or spouse, or both, must
provide a written request to the lender, together with a copy of servicemember's military
orders. The Lender providing this Notice is Members I" Federal Credit Union, ATTN:
Arlanda Dintaman, 5000 Louise Drive, Mechanicsburg, Pennsylvania, 17055. The
phone number is 717-697-1161 or toll free at 1-800-283-2328.
How Does a Servicemember or Dependent Obtain Information About the SCRA?
The U. S. Department of Defense's information resource is "Military OneSource".
Website: http://ivww.militaKyonesource.com
The toll free telephone number for Military OneSource are:
o From the United States: 1-800-342-9647
o From outside the United States (with applicable access code): 800-3429-6477
o International Collect (through long distance operator): 1-484-530-5908
• Servicemembers and dependents with questions about the SCRA should contact their
unit's Judge Advocate, or their installation's Legal Assistance Officer. A military legal
assistance office locator for all branches of the Armed Forces is available at
http://Iegalassistance.law.af.mil/contentAocator php
form HUD-92070
(2/2007)
HEMAP Consumer Credit Counseling Agencies
CUMBERLAND County
Report last updated: 10/15/2007 10:03:08 AM
Adams County Interfaith Housing Authority
40 E High Street
Gettysburg, PA 17325
717.334.1518
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
Community Action Commission of Captial Region
1514 Deny Street
Harrisburg, PA 17104
717.232.9757
Loveship,Inc.
2320 North 5th Street
Harrisburg, PA 17110
717.232.2207
Maranatha
43 Philadelphia Avenue
Waynesboro, PA 17268
717.762.3285
PHFA
211 North Front Street
Harisburg, PA 17110
717.780.3940
800.342.2397
(Domestic Provided)
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Date: March 31, 2008
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. Speck information about the nature of the default is
provided in the attached pages.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be
able to help to save your home. This Notice explains how the program works
To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT
COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE
Take this Notice with you when you meet with the Counseling Agency.
The name, address and phone number of Consumer Credit Counseling Agencies
serving your County are listed at the end of this Notice If you have any
questions, you may call the Pennsylvania Housing Finance Agency toll free at
1-800-342-2397.(Persons with impaired hearing can call (717) 780-1869)
This Notice contains important legal information. If you have any questions,
representatives at the Consumer Credit Counseling Agency may be able to help
explain it. You may also want to contact an attorney in your area. The local bar
association may be able to help you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA
NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA.
PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S
EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA
PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA.
HOMEOWNER'S NAME(S):
PROPERTY ADDRESS:
LOAN ACCT. NO.:
ORIGINAL LENDER:
CURRENT LENDER/SERVICER:
JEFFREY C TAYLOR
VALERIE C TAYLOR
334 EAST MEADOW DRIVE
MECHANICSBURG, PA 17055
245780 - 01
Members 15t Federal Credit Union
Members 1st Federal Credit Union
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 HnW TO
BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the
consumer credit counseling agency listed at the end of this notice, the lender
may NOT take action against you for thirty (00) days after the date of this
meeting. The names, addresses and telephone numbers of designated
consumer credit counseling agencies for the county in which the property is
located are set forth at the end of this Notice. It is only necessary to schedule
one face-to-face meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default
for the reasons set forth later in this Notice (see following pages for specific
information about the nature of your default.) If you have tried and are unable to
resolve this problem with the lender, you have the right to apply for financial
assistance from the Homeowner's Emergency Mortgage Assistance Program. To
do so, you must fill out, sign and file a completed Homeowner's Emergency
Assistance Program Application with one of the designated consumer credit
counseling agencies listed at the end of this Notice. Only consumer credit
counseling agencies have applications for the program and they will assist you in
submitting a complete application to the Pennsylvania Housing Finance Agency.
Your application MUST be filed or postmarked within thirty (30) days of your
face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO
OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN
THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME
IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE
WILL BE DENIED.
AGENCY ACTION - Available funds for emergency mortgage assistance are
very limited. They will be disbursed by the Agency under the eligibility criteria
established by the Act. The Pennsylvania Housing Finance Agency has sixty (60)
days to make a decision after it receives your application. During that time, no
foreclosure proceedings will be pursued against you if you have met the time
requirements set forth above. You will be notified directly by the Pennsylvania
Housing Finance Agency of its decision on your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A
PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS
FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE
CONSIDERED AS AN ATTEMPT TO COLLECT3HE 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: 334 EAST MEADOW DRIVE, MECHANICSBURG,
PA 17055
IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MORTGAGE PAYMENTS for the following installments and the following
amounts are now past due: $834.28 DUE ON 1/16/2008,$844.91 DUE ON 2/16/2008, $844.91 DUE ON
3/16/2008
Other charges (explain/itemize):
TOTAL AMOUNT PAST DUE: $2,524.10
B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not
applicable):
HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (30)
DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE
TO THE LENDER, WHICH IS $2,524.10, PLUS ANY MORTGAGE PAYMENTS
AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY
PERIOD. Payments must be made either by cash, cashier's check certified
check or money order made payable and sent to:
Members 15t Federal Credit Union, 5000 Louise Drive, Mechanicsburg, PA
17055, Attention: Arlanda Dintaman
You can cure any other default b taking the.following acfion'within THIRTY (30)
DAYS of the date of this letter: (Do not use if not applicable.)
IF YOU DO NOT CURE THE DEFAULT-If you do not cure the default within
THIRTY (30) DAYS of the date of this Notice, the lender intends to 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, 334 EAST MEADOW DRIVE, MECHANICSBURG, PA 17055
IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be
sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to
its attorneys, but you cure the delinquency before the lender begins legal
proceedings against you, you will still be required to pay the reasonable
attorney's fees that were actually incurred, up to $50.00. However, if legal
proceedings are started against you, you will have to pay all reasonable
attorney's fees actually incurred by the lender even if they exceed $50.00. Any
attorney's fees will be added to the amount you owe the lender, which may also
include other reasonable costs. If you cure the default within the THIRTY (30)
DAY period, you will not be required to pay attorney's fees.
OTHER LENDER REMEDIES - The lender may also sue you personally for the
unpaid principal balance and all other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have
not cured the default within the THIRTY (30) DAY period and foreclosure
proceedings have begun, you still have the right to cure the default and prevent
the sale at any time up to one hour before the Sheriffs Sale. You may do so by
paying the total amount then past due, plus any late or other charges then due,
reasonable attorney's fees and costs connected with the foreclosure sale and
any other costs connected with the Sheriffs Sale. as specified in writing by the
lender and 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 Sheriffs Sale of the mortgaged property could be held would be
approximately Three(3) months from the date of this Notice. A notice of the
actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the
amount needed to cure the default will increase the longer you wait. You may
find out at any time exactly what the required payment or action will be by
contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender: Members 1St Federal Credit Union
Address: 5000 Louise Drive, Mechanicsburg, PA 17055
Phone Number: (717) 795-6031 or (800) 283-2328 Ext. 6031
Fax Number: (717) 795-5207
Contact Person: Arlanda Dintaman
EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end
your ownership of the mortgaged property and your right to occupy it. If you
continue to live in the property after the Sheriffs Sale, a lawsuit to remove you
and your furnishings and other belongings could be started by the lender at any
time.
ASSUMPTION OF MORTGAGE -- You may not sell or transfer your home to a
buyer or transferee who will assume the mortgage debt, provided that all the
outstanding payments, charges and attorney's fees and costs are paid prior to or
at the sale and that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAINAONEY TO PAY OFF
THE MORTGAGE DEBT OR TO BORROW MONEY FROM
ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY
ACTING ON YOUR BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME
POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU
CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS
RIGHT TO CURE YOUR DEFAULT MORE THAN THREE
TIMES IN ANY CALENDAR YEAR.)
TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY
FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT
INSTITUTED UNDER THE MORTGAGE DOCUMENTS,
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY
HAVE TO SUCH ACTION BY THE LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL
BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY
Certified Mail # 7007 1490 0003 5846 5368
i
Servicemembers Civil' U.S. Department of Housing MB Approval No. 2502-0565
Relief Act and Urban Development (exp 4/30/2007)
Notice Disclosure Office of Housing
Legal Rights and Protections Under the SCRA
Servicemembers on "active duty" or "active service," or a dependent of such a
servicemember may be entitled to certain legal protections and debt relief pursuant to the
Servicemembers Civil Relief Act (50 USC App. §§ 501-596) (SCRA).
Who May Be Entitled to Legal Protections Under the SCRA?
Active duty members of the Army, Navy, Air Force, Marine Corps, Coast Guard,
and active service National Guard;
Active service members of the commissioned corps of the National Oceanic and
Atmospheric Administration;
Active service members of the commissioned corps of the Public Health Service;
United States citizens serving with the armed forces of a nation with which the United
States is allied in the prosecution of a war or military action; and
Their spouses.
What Legal Protections Are Servicemembers Entitled To Under the SCRA?
The SCRA states that a debt incurred by a servicemember, or servicemember and spouse
jointly, prior to entering military service shall not bear interest at a rate above 6 percent
during the period of military service.
The SCRA states that in a legal action to enforce a debt against real estate that is filed
during, or within 90 days after the servicemember's military service, a court may stop the
proceedings for a period of time, or adjust the debt. In addition, the sale, foreclosure, or
seizure of real estate shall not be valid if it occurs during, or within 90 days after the
servicemember's military service unless the creditor has obtained a court order approving
the sale, foreclosure, or seizure of the real estate.
The SCRA contains many other protections besides those applicable to home loans.
How Does A Servicemember or Dependent Request Relief Under the SCRA?
In order to request relief under the SCRA, a servicemember or spouse, or both, must
provide a written request to the lender, together with a copy of servicemember's military
orders. The Lender providing this Notice is Members 0 Federal Credit Union, ATTN:
Arlanda Dintaman, 5000 Louise Drive, Mechanicsburg, Pennsylvania, 17055. The
phone number is 717-697-1161 or toll free at 1-800-283-2328.
How Does a Servicemember or Dependent Obtain Information About the SCRA?
The U. S. Department of Defense's information resource is "Military OneSource".
Website: http://www.militgaonesource.com
The toll free telephone number for Military OneSource are:
o From the United States: 1-800-342-9647
o From outside the United States (with applicable access code): 800-3429-6477
o International Collect (through long distance operator): 1-484-530-5908
Servicemembers and dependents with questions about the SCRA should contact their
unit's Judge Advocate, or their installation's Legal Assistance Officer. A military legal
assistance office locator for all branches of the Armed Forces is available at
h!Ltp://Icgalassistance.law.af.mil/contenMocator.pbp
form HUD-92070
(2/2007)
HEMAP Consumer Credit Counseling Agencies
CUMBERLAND County
Report last updated: 10/15/2007 10:03:08 AM
Aaams t;ounty Interfaith Housing Authority
40 E High Street
Gettysburg, PA 17325
717.334.1518
CCCS of Westem PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
Community Action Commission of Captial Region
1514 Derry Street
Harrisburg, PA 17104
717.232.9757
Loveship, Inc.
2320 North 5th Street
Harrisburg, PA 17110
717.232.2207
Maranatha
43 Philadelphia Avenue
Waynesboro, PA 17268
717.762.3285
PHFA
211 North Front Street
Harrisburg, PA 17110
717.780.3940
800.342.2397
To
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VS
TAYLOR JEFFREY C ET AL
ROBERT BITNER , Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE was served upon
TAYLOR VALERIE the
DEFENDANT
, at 1435:00 HOURS, on the 26th day of August , 2008
at 334 EAST MEADOW DRIVE
MECHANICSBURG. PA 17055
VALERIE TAYLOR
by handing to
a true and attested copy of COMPLAINT - MORT FORE together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing 6.00
Service 13.00
Affidavit .00
Surcharge 10.00
n .00
29.00
Sworn and Subscibed to
before me this
of
day
So Answers:
R. Thomas Kline
09/08/2008
VAN ECK & VAN ECK
By-
Deputy eriff
A.D.
SHERIFF'S RETURN - REGULAR
r " (LASE NO: 2008-04862 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MEMBERS 1ST FEDERAL CREDIT UNI
VS
TAYLOR JEFFREY C ET AL
SHAWN HARRISON
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE was served upon
TAYLOR JEFFREY C
the
DEFENDANT , at 1007:00 HOURS, on the 6th day of September, 2008
at 110 PENNSYLVANIA AVENUE
CAMP HILL, PA 17011 by handing to
JEFFREY TAYLOR
a true and attested copy of COMPLAINT - MORT FORE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 14.00
Affidavit .00
Surcharge 10.00
00
4 2 . 0 0
Sworn and Subscibed to
before me this day
of ,
So Answers:
R. Thomas Kline
09/08/2008
VAN ECK & V CK
By.
Tg? - I
Dep t eriff
A.D.
-it