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Home My WebLink About09-0567 SHAPIRO & DENARDO, LLC BY: CHRISTOPER A. DENARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929 ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & D FILE NO. 08-034248 HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 COURT OF COMMON PLEAS CUMBERLAND COUNTY NTY NO: * 0 7 L /' /V/ / 'PYM PLAINTIFF VS. Jessica Wagner 22 West Springville Road Boiling Springs, PA 17007 DEFENDANT(S) COMPLAINT - CIVIL ACTION 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 THIS CO TAND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE R9MONALLY OR BY ATTORNL"t *ND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DI ERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 SHAPIRO & DENARDO, LLC BY: CHRISTOPER A. DENARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929 ALANA ZION, ESQ., ATTORNEY I.D. NO. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 08-034248 HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 PLAINTIFF VS. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 0 q - 614 7 Gc,J Ti- Jessica Wagner 22 West Springville Road Boiling Springs, PA 17007 DEFENDANT(S) COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3, the address of which is, 12650 Ingenuity Drive Orlando, Florida 32826, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: Mortgage Electronic Registration Systems, Inc., as Nominee for WMC Mortgage Corp. Mortga or(s): Jessica Wagner (b) Date of Mortgage: October 6, 2006 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1970 Page 2029 Date: October 24, 2006 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. (d) Assignments: Assignor: Mortgage Electronic Registration Systems, Inc., as Nominee for WMC Mortgage Corp. Assignee: HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 Date of Assignment: As Recorded Recording Date: As Recorded 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by virtue of the above-described Assignment(s). 3. The real property which is subject to the Mortgage is generally known as 22 West Springville Road, Boiling Springs, Pa 17007 and is more specifically described as attached as part of Exhibit "A": 4. Each Mortgagor named in paragraph 1 executed a note as evidence of the debt secured by the Mortgage (the "Note"). A true and correct copy of the Note is attached and marked as Exhibit "B." 5. The name and mailing address of each Defendant is: Jessica Wagner, 22 West Springville Road, Boiling Springs, PA 17007 6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 7. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of September 1, 2008 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 8. The following amounts are due as of January 31, 2009: Principal of Mortgage debt due and unpaid $82,745.33 Interest currently due and owing at 8.345% per annum calculated from August 1, 2008 through October 31, 2008 at $1,740.64 $18.92 Interest continues to accrue at 10.25% per annum calculated from November 1, 2008 at $23.24 $2,138.08 Late Charge of $31.83 per month assessed on the 16th of each month from August 16, 2008 to January 16, 2009, (6 Months) $190.98 Appraisal Fees $111.00 Property Inspection $10.50 Title Search/Report Fees $250.00 Attorneys' Fees and Costs $4,137.27 $91,323.80 9. Interest accrues at a per diem rate of 23.24 each day after January 31, 2009, that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Note and Mortgage. 10. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. 11. This interest rate is subject to adjustment as more fully set forth in the Note and Mortgage. 12. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et seg., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Pursuant to the act of December 21, 1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. Section 403 et seq., and separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached hereto as Exhibit "C". WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendant, in the amount set forth in paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO & DENARDO, LLC Date: )SIN BY: \rWll I Aft / I,&- Attorneys for Plaintiff S & D File No. 08-034248 W ? 'C:t I?T P Z1E?LER t !ER OF sums ' 6mt Services, LLC 341 Science Park Road Suite 205 C 1 A SD6 8tMe. 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M?4lbdrr>tTmll patmadamOm data 8na re dot do mod" i peveeiaddaptleeen pem it moorduoe wft Mh 8eoHoo i! tvLhis w whkhich oovU7leTtRSAr?erAeed aatt e? treats uaoe r.aac Pwe r.?aa*a Ttq't..m.?ad, ? r iAQ]fa0 8oaeer aobC pry all wmr rrc?crd sassao fins m pq duo vA m pdw m do esyiatlaa at ttW pe mlk y m? 1tBuob my nowdm pfd by"S-R*y %M m d wUhottt lhrdmrztotIm do=W oo Bomwer. BY SMM BMWW,.Hono,xw aamM gad *XrM to the tams and CDC umbi ed in tbis ANa tabto 3taro Rida- ?- .-*rfi .7 MFZM UM M - Datr - MW&WA'MAOJUiAKi-jXAlM"&.rmoatJ b.pe.watib,.lsp>.,?, ,sloFlasb- UPI ?rax ?riay?r e?.s.n 11 OWN All that ceftin parcel of land and improvements therein situate in the Township of Boiling Springs, County of Cumberland, and Commonwealth of Pennsylvania, and designated as Parcel N6.40-25-2100-077 and more fully desbribed in a Deed dated July 5, 2002 and recorded July 10, 2002 in CuMberland County. In Deed Book 252, Page 3184, granted and conveyed unto Nancy R. Romano and Paul R. Prah. SUBJECT to an Easement Agreement between George L. Ebener & Associates, Nancy Romano, Paul R. Prah, and Forge Road Realty, LLC., dated July 5, 2002 and intended to be recorded simultaneously herewith. SUBJECT, HOWEVER, to such recorded easements, restrictions and conditions that may apply to the afore-described tract of land. AND the said Grantor hereby covenants and agrees that it will warrant specially the property hereby conveyed. i c.At etify t,is to be recorded (n, i'uznberland'County PA . t.f y:.??-Jf •la Recorder of Deeds (MSM4WM.PnWMsM*05M84) Ll c" FIID ADJUSTABLE RATE NOTE ; (6-Month LIBOR Index-Rate Capg) f (First Business Day of Preceding Mouth Lookbaek) rtac ma Derv ft 11683600 roan 4: 12663600 NMI 100136300116836007 THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AND MY MONTHLY PAYMENT. THIS NOTE IX4IITS THE AMOUNT MY RN'TERFST RATE CAN CHANGE AT ANY ONS TIME AND THE MAXIIHIIM RATE I MUST PAY. October 6, 2006 STATE COMAr- recnmylvaaia [Date] [City) (state) 22 HEST 8VRn=VnjZ ROAD Sort= SPRIZICB, PA 17007 [Property Address] 1. BORROWER'S PROMISE TO PAY In return fa s loan that l have received, I promise to pay U.S. S 84, 000.00 (this amount is called "Principal'% plus interest, to the order of tho Leader. The Lender is WV DORTGAGR CORP. . I will melee all payments Lender this Note in the farm of cash, check or money order. I understood that the Lender may transfer this Note. The Leader or anyone who takes this Note by transfer and who is entitled to teeeive payments under this Note is called the "Nom Holder." L INTEREST Interest will be charged on unpaid principal antic the full amatmt of Principal has beta paid. I will pay interest at a yearly me of • 8.345 Yen The inured rate I will pay will change is accordance with Section 4 of this Note. The f surest rave requited by this Section 2 and Section 4 of this Note is the sale I will pay both before and after any default described in Section 7(13) of this Note. 3. PAYMENTS (A) That and Place of Payments I will pay principal and interest by making a payment every mouth. I will make my monthly payment on the lot day of each month beginning an December 1, 2006 , I will make those payments every mooth until I have paid all of the principal and interest and any other charga described below dust I may owe under this Now Each monthly payment will be applied as of its scheduled due date and wM be appUW to k mrat befom Prfndpal, I$ an November 1, 2036 ,1 stillowe Cmaunb under this Note, I will pay Use amounts in full oa that data, which is caged the "Maturity Data." I will make my monthly payments at 4828 Loop Central Drava, Rauston, Tat 71081-2226 or at a different place if requited by the Note Holder. (B) Amount afMyfalttalManddyPayments Each of my Initial monthly payments will be in the amount of U.& S 636.68 This amount may change. (C) Monthly Payment Changes Changes is my monthly payment will refloat changes is the unpaid principal of my loan and in the interest rate chat I moat pay. The Nate Holder will determine my new interest rate and the changed amount of my monthly payment in accordance with Section 4 of this Nett, 4. INTERIM RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the fine day of November, 2008 , and may change on that day ovary 6th mosub therealier. Each data on which my interest rato could change is called a "Chance Date." (R) Ile Index Beginning with the first Chop Date, my interest raft will be based an an Index. The "Index" is the six month London latebank Offered Rate MMOR') which is the ave age of interbank of&red rues fa situ-month U.S. dollar-daaomiaared deposits in the Landon market, as published in ?lre Wall Spas lowwl. The most recent Index MUL71STATa ADJDSTAIMA RA'C'E NOTr- 6-ata t>BOR tafas (Am tradmw D.r Lacer SjVk F,,ay - awl .rm os/ts/raas Pane 1 an ?E64G"RWVM?6d4l+ksAlWl6?tA61?l1 ?"N ??lT `??11 0 0 1164360e 11663600 gigum available as of the first business day of the month immediatolY Preceding the mould in which the Change Date occurs is called the "Current Index." If the Index is no longer available, the Note Holder will choose anew index which is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculadoa Of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding Six and Two Hundred Twantlr-Five Thousandths pereeatage point(s) ( 6.225 to the Current ladex The Note Holder will then round the result of this addition to the nearest one-eighth of are p-tage point (0.125%). Subject to the limits staled in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. Tha Note Holder will then detarmino the amount of the monthly payment that would be aufudeat to repay the unpaid principal that I am expected to owe at the Change Date in Ertl on the Maturity Date at my new interest rate in suhwantially equal payments. The result of this calculation will be the new amount of my'toffily payment. (D) Ilmits an Interred Rate Cbangn The interest rate I am required to pay at the fast Cba age Date will not be greater than 11.345 % or less than 0.345 9L. Thereafter, ay iniered rate will never be iaerCis Cd or d=cascd an any single Change Dale by more than One pa-14P poin(a) ( 1.000 %) tom the rate of htaresr I have bea paying for the preceding 6 months. My interest rate willaver be getter than 14.845 %, or less than 9.345 %. (E) Etfecdve Date of Changes My new interest rate wr71 became aWwdve om each Change Data. I will pay-ft amormtof my mew moothly payment beginning on the first monthly payment date aAer the Change Date until the amount of my monthly payment changes again. (I+) Notice of Changes The Nate, Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective data of any change. The notice will include information required by law to be given to mo and also the title and telephone number of a person who will answer any question I may have regarding the notice,. 5. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are duc. A payment of Principal only is imown as a "Prepayment" Wben I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if l have not made all the motitlriy payments doe under the Note. I may malx a JIM Prepayment or partial Prepayments wWxmt-paymg a Preraymmt charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Nole. However, the Note Holder may apply my Prepayment to the accrued and vapaid imiereat on the Prepayment amount before applying my Prapyment to reduce the Principal amount of the Now If I make a partial Prepayment, there will be so changes in the due. dates of my mouddy payment unless the Nom Holder agrees in writing to those changes My partial Prepayment may reduce the atnamt of my monthly payments after the first Change Date following my partial Prepayment However, any reduction due to my partial Prepayment may be agog by an Interest rate increase. 6. LOAN CHARGES If a law, which applies to this I m s and which seta maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in cormoction with this km exceed the permitted limits, them (a) any such lam chaw shall be reduced by the amount necenary, to reduce the charge to the pamitled limit; and (b) say same already coBeeted from me which exceeded permitted limits will be rehnW to me. The Note Holder mry choose to make this mfimd by radue(og the Principal I owe under this Note or by making a direct payment to ma Ifs -Amd reduces Principal, the redaction will be treated as a partial Prepayment. 7. BORROWER'S FAMURE TO PAY AS REQUIRED (A) Late Charges for Overdue Paya mes If the NOW Holder has not received tbo N11 amount of any monthly payment by the end of 15 calendar days after the dateit 1s due, I well pay a late change to tic Nots Holdet The amount of the drarge win be 9.000 % Of my overdue payment Of principal and interest I will pay this We charge promptly but only awe on each late payment. (B) Default If I do not pay the W amount of emb monthly payment on doe date it is due. I will be in default. MULTISTATE AWMABLE RAM NOTE-a•menha U R1 cdezt, M Budam Day Leakbaetq - Slosh Fm oy - ?? o°o°p .va oensnea p? 2 of 6tq???? lilt g( 0INIMM titfIY1LW1J.1t1 11 11693600 116x3600 (C) Nodee of Ddaalt M. am in defanh, the Note Holder may send me it written notice telling me that if I do not pay the overdue amount by a cartein date, the Note HoWc may requite me to pay immediately the dill amount of Principal which has not been paid and all the interest that I owe on that amcunL That data must be at least 30 days after the date on which to notice is mailed to me or delivered by other mesas. (D) No Walver by Note Holder Even il? at a time when I am in ddault, the Note Holder does not to tube me to pay immediately in full as described above; Me Note Holderwill still bare the right to do so if I am in eddeuh at a later time. (17 Payment of Note Holder's Costs and Expenses If the Note Holder bas required me to pay immediately in full as described above, the Note HoWcr will have the right to be paid back by me for all of its costa and expenses in enforcing this Now to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees. g. GIVING OF NOTICES Unless applicable law requires a diffaiemt method, any notice that unrst be given to me under this Note will be Sim by delivering it or by mailing it by fast dos mail to me at the Property Address above or at a different aaideeas if l give the Note Holder a notice of mydifferent address. Any notice that moat be given to the Nato Holder under this Am will be given by delivering it or by mailing it by first class mail to the Nata Holder at the address gated in Section 3(A) above *rat a different addreae if I araVMir o* t df dM diffamt addresL 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE If mote than ono passion signs this Note, each person is fully and personally obligated to keep all of the promises made in this Now, including the promise to pay the fall amount owed. Any parson who is a guasaatar. suety or endow of this Now is also obligated to do these things. Any person who tnlmy over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is aim obligated to keep all of die premtiset made in this Nate. The Note Holder nay enforce its rights under this Note against each person individually or against all of us together. This mints that any one of us may be required to pay all of the amounts owed under this Now. 30, WAIVERS I and any other person who has obligations under this Note waive the rights of Pros a macmt and Notice of Dishonor. "Presentmeor mesas the right to require the Now Holder to demand payment of amounts due. 'Notice of Dishmof maw the right to require the Note Holder to give notice to other persons that amounts doe have not been paid I L UNIFORM SECURED NOTE This Now is a uniform instrument with limited variations m some jurisdcdous. in addition to the protections given to the Note Holder under this Note, a blortgagej Deed of Trust, or Security Deed (&a "Security Instrameat' j, doted the same dote as this Note, pm=ts the Note Holder flute possible krssm which might result if I do not keep the promises which I make in this Note. That Security Instrument describes how and under what conditions I maybe required to make immediate payment in fad of all amounts I owe under this Note. Some of those conditions are described as follows. Transfer of the Prop" or a Renefidd Interest In Borrower. As used in this Section 19, "Interest in the Proprty" means any legal or beneficial is mst in The Property. kdudmL but trot limited to, mace beneficial interests transferred is a bond for deed, contract for elect, installmemt sales contract or escrow agreement, ono intent of which is the transfer of lido by Borrower at a future dote to a paaohsser. If all or any part of the Property or any lascrest in the Property is sold or transferred (or if Bormwrr is not a oottsal person and a beneficial inraztt in Borrower is sold or transf=4 without Lmdoes prior written consent, Leader may requite Immediate payment m full of all sums smued by this Sexurity Instrument However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Leader exercises the option to require immediate payment is fall, Leads shall give Burrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Bonowermus t pay all sums secured by mks Sccuritylasnu mmt -Y Wf MULTISTAT[ ADAISTABM RATS NOTE- 6-reath t1BOll tech tFlrd Barham Day Led&wQ- Senile Fa mly - a.vm nlwaem Aaae3er6 0 11683600 11663600 If Borrower fails to pay these aa- prior to the cxpimtion of this period. Leader may invokc aoy remedies pe u&w by this Security instrument without Nrtbei notice or demand an Borrower. WITNESS THE BAND(S) AND SEAL(S) OF THE UNDERSIGNED. - Borro - JESSICA JXGXER - Data - a (Sign Or(glnol Only) MULTISTATE ADIUSTABLE RATE NOTE - t«0uatb LIBOR Ind= p7nt Bede DAY IA kbadt)- Slaos F ly - 0p OCWEN Loan Servicing, ' r,C 12650 Ingenuity Drive O C W E N Orlando, Florida 32826 WWW.OCWEN.COM ? October 31, 2008 VIA First Class Mail VIA Certified Mail (return receipt requested) Certified Number: 71069017515123585853 Reference Code: 0808 Jessica Wagner 22 West Springville Road Boiling Springs, PA 17007-0000 Loan Number: 6652903 Property Address: 22 West Springville Road, Boiling Springs, PA 17007-0000 PLEASE SEE THE ENCLOSED DOCUMENT 00? , lomwilka " 1, DACT91.11 imunication is fron rPffeebt colle-clor attempting to collect a debt; any information obtained will be used for that purpose. OCWEN Loan Servicing -'C 12650 Ingenuity Drive Orlando, Florida 32826 OCWEN WWW.OCWEN.COM October 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 bell) 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 THIRTY (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 Aeencv toll free at 1-800- 342-2397 (Persons with impaired hearine can call (717) 780-1869) This Notice_ contains important legal information. If von have any questions representatives at the Consumer Credit Counseline 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 SUTWZ IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION, OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO A ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. USTED PUEDE 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: Jessica Wagner 22 West Springville Road Boiling Springs, PA 17007-0000 LOAN ACCT. NO.: 6652903 ORIGINAL LENDER: WMC MORTGAGE CORP. CURRENT LENDER/SERVICER: OCWEN DACT91.11 APPENDIX A This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. ' OCWEN Loan Servicing,.. C ' 12650 Ingenuity Drive 0. ;._._........___< Orlando, Florida 32826 C C W E N WWW.OCWEN.COM 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 arranee and attend a "face- to-face" meetine with one of the consumer credit counseline 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). DACT91.11 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. ...... .__..... ... -' OCWENLoan Servicing. "C .01 ` 12650 Ingenuity Drive Orlando, Florida 32826 O C W rN WWW.OCWEN.COM 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: 22 West Springville Road, Boiling Springs, PA 17007-0000 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 2 payments in the amount of $ 636.68 from September 01, 2008 through October 31, 2008 DETAIL SUMMARY : Principal and Interest ................................. $ 1,273.36 Interest Arrearage ..................................... $ 0.00 Escrow .................................................. $ 0.00 Late Charges ........................................... $ 63.66 Insufficient Funds Charges ........................... $ 0.00 Fees / Expenses ........................................ $ 5.32 Suspense Balance (CREDIT) ........................ $ 0.00 Interest Reserve Balance (CREDIT) ................ $ 0.00 TOTAL DUE .......................................... $ 1,342.34 HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $1,342.34, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by Money Gram. Cashier's Check, Certified Check or Monev Order made savable and sent to: CWN P.O. BOX 6440 CAROL STREAM, IL 60197-6440 IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attornev'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 paving the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in _writine by the lender and by Derforming anv other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. DACT91.11 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. ...................... OCWEN Loan Servicing. r IC 12650 Ingenuity Drive .0 O C W E N Orlando, Florida 32826 WWW.OCWEN.COM 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 six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the servicer. HOW TO CONTACT THE SERVICER: Name of Servicer: OCWEN Address: P.O. BOX 24737 WEST PALM BEACH, FL 334164737 Phone Number: 800-310-9229 Fax Number: 407-737-6300 Contact: Performing Collections Dept. EFFECT OF SHERIFF'S SALE -- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -- You may or X may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: TO SVA&wTHFwPROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGACAYAWBT-6R 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 (3) 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 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. DACT9i.Li HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 v. Jessica Wagner VERIFICATION The undersigned is Default Servicing Liaison of Ocwen Loan Servicing, LLC on behalf of HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 and as such is familiar with the records of said corporation, and being authorized to make this verification on behalf of Plaintiff an officer of the corporation and being authorized to make this verification on behalf of Plaintiff, hereby verifies that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the Mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief of the undersigned. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF PA.C.S. SECTION 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. Ocwen Loan Servicing, LLC on behalf of HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 Date: January 27, 2009 . -"A wun(o Nam . essica D s Titl : D fault S rvi ing Liaison Co : HSB ank USA, N.A. 08-034248 U 2s GJ SHERIFF'S RETURN - NOT FOUND CASE NO: 2009-00567 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND HSBC BANK USA NA VS WAGNER JESSICA R. Thomas Kline Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT WAGNER JESSICA unable to locate Her in his bailiwick. NOTICE COMPLAINT IN MORTGAGE FORECLOSURE but was He therefore returns the the within named DEFENDANT WAGNER JESSICA NOT FOUND , as to 22 WEST SPRINGVILLE ROAD BOILING SPRINGS, PA 17007 PROPERTY ADDRESS IS VACANT, DEFT DID NOT LEAVE A FORWARDING AT POST OFFICE Sheriff's Costs: So answe Docketing 18.00 Service 5.40 NOT FOUND RETURN 5.00 R. Thom ' Surcharge 10.00 Sheriff of Cumberland County .00 38.40 SHAPIRO & DENARDO 02/09/2009 Sworn and Subscribed to before me this day of A.D. ' L? N , ry acs- i co t pia: 7'% C?.U C-4 SHERIFF'S RETURN - NOT FOUND CASE NO: 2009-00567 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND HSBC BANK USA NA VS WAGNER JESSICA R. Thomas Kline Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT OCCUPANTS but was unable to locate Him in his bailiwick. NOTICE , COMPLAINT IN MORTGAGE FORECLOSURE He therefore returns the the within named DEFENDANT 22 WEST SPRINGVILLE RD BOILING SPRINGS, PA 17007 NO OCCUPANTS, PROPERTY IS VACANT OCCUPANTS NOT FOUND , as to Sheriff's Costs: So answer Docketing 6.00 Service .00 NOT FOUND RETURN 5.00 R. Thomas ine Surcharge 10.00 Sheriff of Cumberland County SHAPIRO & DENARDO 02/09/2009 Sworn and Subscribed to before me this day of A. D. V r" C? t" ? «dG , ?w ?' `? ?:... c?°`? C ' N `?: ?- ?f? .. , ?T ?? ? _`1? 1 a:l 1 %L tyf? ? ? ? 4+ r ,J SHAPIRO & DeNARDO, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034248 HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 PLAINTIFF VS. Jessica Wagner DEFENDANT COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 09-567-CIVIL TERM MOTION FOR SERVICE PURSUANT TO SPECIAL ORDER OF COURT Plaintiff, by its counsel, SHAPIRO & DENARDO, LLC, moves this Honorable Court for an Order directing service of the Complaint in Mortgage Foreclosure, Notice of Sale and all subsequent pleadings that require personal service only, upon the above-captioned Defendant, by regular mail and certified mail to the last known address of Jessica Wagner, which is 22 West Springville Road, Boiling Springs, PA 17007, and by posting of the subject premises located at 22 West Springville Road, Boiling Springs, PA 17007, and in support thereof avers the following: The Sheriff has been unable to serve the Complaint in Mortgage Foreclosure. Further attempts at personal service would not be successful. A true and correct copy of the Sheriffs Return of Service is attached hereto and marked as Exhibit "A". 2. Pursuant to Pennsylvania Rule of Civil Procedure 430, Plaintiff has made a good faith effort to locate the Defendant. An Affidavit of Good Faith Investigation setting forth the specific inquiries made and the results there from is attached hereto and marked as Exhibit "B". 3. The last known address of the Defendant is as set forth in Exhibits "A" and "B". 4. No Judge has ruled upon any other issue in this matter. No concurrence has been sought on this Motion by opposing counsel as the interested parties are not represented by counsel. WHEREFORE, Plaintiff respectfully requests that this Honorable Court enter an Order pursuant to Pennsylvania Rule of Civil Procedure 430 directing service of the Complaint in Mortgage Foreclosure, Notice of Sale and all subsequent pleadings that require personal service only, upon the above named Defendant, Jessica Wagner, by regular mail and certified mail to the last known address of the Defendant, Jessica Wagner, which is 22 West Springville Road, Boiling Springs, PA 17007, and by posting of the subject property located at 22 West Springville Road, Boiling Springs, PA 17007. SHAPIRO & DENARDO, LLC BY: V Ilana ion, Esquire Le Attorney for Plaintiff SHERIFF'S RETURN - NOT FOUND CASE NO: 2009-00567 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND HSBC BANK USA NA VS WAGNER JESSICA R. Thomas Kline Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT WAGNER JESSICA but was unable to locate Her in his bailiwick. He therefore returns the NOTICE COMPLAINT IN MORTGAGE FORECLOSURE NOT FOUND , as to the within named DEFENDANT 22 WEST SPRINGVILLE ROAD BOILING SPRINGS. PA 17007 WAGNER JESSICA PROPERTY ADDRESS IS VACANT, DEFT DID NOT LEAVE A FORWARDING AT POST OFFICE Sheriff's Costs: So answe Docketing 18.00 rJ. Service 5.40 NOT FOUND RETURN 5.00 R. Thom Surcharge 10.00 Sheriff of Cumberland County .00 38.40 SHAPIRO & DENARDO 02/09/2009 Sworn and Subscribed to before me this day of A.D. 40 EK114-4040 A Defard Express Services, Inc. 105 Revere Dr1w Deptford, NJ 08096 irrfo@defaultexpress.com File # Client File # Firm Subject: Current Address Property Address Mailing Address: 5576 08-034248 Shapiro & Denardo, LLC Jessica Wagner 22 West Springville Rd. Boiling Springs, PA 17007 22 West Springville Rd. Boiling Springs, PA 17007 22 West Springville Rd. Boiling Springs, PA 17007 I Steven M. Ruffo,being duly sworn according to law, do hereby depose and state as follows, I have conducted an investigation into the whereaboutslof the above noted individual(s) 2/25/09 and have discovered the following 1. CREDIT INFORMATION A. SOCIAL SECURITY NUMBER Our search verified the following to be true and correct Jessica Wagner - xxx-xx-xxxx B. EMPLOYMENT SEARCH Jessica Wagner - Our Office was unable to verify the employment information on the credit report. C. INQUIRY OF CREDITORS On 2/25/09 our inquiry with the creditors indicate that Jessica Wagner reside(s) at 22 West Springville Rd. Boiling Springs, PA 17007 II. INQUIRY OF TELEPHONE COMPANY A.DIRECTORY ASSISTANCE SEARCH On 2/25/09 our inquiry with the Directory Assistance indicated that Jessica Wagner reside(s) at 22 West Springville Rd. Boiling Springs, PA 17007 non published. Our office could not reach the mortgagor due to the non published number. III. INQUIRY OF NEIGHBORS Using our Whitepages database on 2/25/09 we were unable to verify the current address with any of the Neighbors within ten houses of the above referenced subject. IV. INQUIRY OF POSTOFFICE A. NATIONAL ADDRESS UPDATE Our inquiry with National Address database on 2/25/09 indicates the following is correct Jessica Wagner - 22 West Springville Rd. Boiling Springs, PA '17007 B. ADDITIONAL ACTIVE MAILING ADDRESS Our investigation could not find Another active mailing address V. MOTOR VEHICLE REGISTRATION A. MOTOR VEHICLE & DMV OFFICE Per the Pennsylvania Department of motor vehicle Jessica Wagner has a valid identification registered with the state. Sol VI. OTHER INQUIRIES A. DEATH RECORDS As of 2/25/09 Vital records has no death records on file for Jessica Wagner B. PUBLIC LISCENSES (PILOT, REAL ESTATE ETC.) Our investigation could not find Public licenses/ records for the mortgagor C. COUNTY VOTER REGISTRATION The Cumberland Cnty voter registration would only indicate a registration for Jessica Wagner D.INTERNET All accessible public databases have been checked and cross-referenced for the above named individual(s). E. TAX ASSESSMENT OFFICE On 2/25/09 our office conducted a search of the following tax records which showed the following : See Attached VII. ADDITIONAL INFORMATION OF SUBJECT A. DATE OF BIRTH Jessica Wagner - YOB - 1979 B. A. K.A Jessica Wagner - Jesse N. Wagner The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Sec. 4904 relating to unsworn falsification to authorities I hereby verify that the statemants made herein are true and correct to the best of my knowledge, information and belief and that this affidavit of investigation is made subject to tof 18 WS", c 4904 relating to unsworn falsification to authorities. NT Steven M. Ruff Default Express Services, INC. President Sworn to and subscribed before me this 25th day of Feb 2008 NOTARIAL SEAL Joseph J. Sarocy Notary Public of New Jersey Commission Expires 10/20/2009 PUBLIC Defauk Express Services, Inc. 105 Revere Drive Deptford, NJ 08096 info@defau{texpress.com Input Parameters SSN = TRANSUNION SSN REPORT FOR SBJ Y NJ0200302 MKT/SUB INFILE DATE TIME RPT ON 17 HB 9/98 02/25/09 19:29CT WAGNER, JESSICA NICOLE SSN DOB 11/79 -WAGNER,JESSE,N CURR/ADD 22 W. SPRINGVILLE RD., BOILING SPRINGS PA. 17007 RPTD 01/2007 FRMR ADD 317 N. BALTIMORE AV., #11. 03/2006 116 SUMMER LN., #12. ENOLA PA. 17025 CURR EMP & ADD PSTN INCM EMPDATE RPTD SS 3/06R FRMR EMP & ADD AHLSTROM LABORER 5/04H 1/06R *** INQUIRY ANALYSIS *** NO INQUIRIES WITHIN THE PAST 90 DAYS END OF TRANSUNION REPORT **************************************************************************** SHAPIRO & DENARDO 3600 Horizon Drive, Ste. 150 King of Prussia, PA 19406 February 25, 2009 Postmaster Boiling Springs, PA 17007 Request for Change of Address or Bozholder Information Needed for Service of Legal Process Please furnish the new address or name and street address (rf a boxholder) for the following: NAME: Jessica Wagner ADDRESS: Jessica Wagner. 22 West Springville Road, Boiling Springs, PA 17007 NOTE: The name and last known address are required for change of address information. The name, if known, and post office box address are required for boxholder information. The following information is provided in accordance with 39 CFR 265.6(d)(6)(ii). There is no fee for providing boxholder information. The fee or providing change of address information is waived in accordance with 39 CFR 265.6(d) (1) and (2) and corresponding Administrative Support Manual 352.44a and b. 1. Capacity of Requester (e.g. process server, attorney, party representing himself): ATTORNEY. 2. Statute or regulation that empowers me to serve process (not required when requester is an attorney or a party acting pro se - except a corporation acting pro se must cite statute(s): N/A 3. The names of all known parties to this litigation: HSBC Bank USA, N.A., as Trustee for the registered Wa er 4. The court in which the case has been or will be heard: The Court of Common Pleas of Cumberland Coun 5. The docket or other identifying number if one has been issue& , 09-567-CIVIL TERM 6 The capacity in which this individual is to be served (e.g. defendant or witness): DEFENDANT WARNING THE SUBMISSION OF FALSE INFORMATION TO OBTAIN AND E CHANGE OF ADDREc INFO MOTION OR BOXHOLD R INFORMATION FOR ANY PURPOSE OTHER THAN THE SERVICE OF LEGAL PROCESS IN CONNECTION WITH A T A . OR PROSPECTIVE L17, 7GATION COULD RESULT IN CRIMINAL PENALTIES INCLUDING A FINE OF P TO S/0,000 OR IMP ONMENT OR (2) TO AVOID PAYMENT OF THE FE FOR CHANGE OF ADDRE S INFORMATION OF NOT MORE THAN 5 YEARS OR BOTH (TITLE 18 U.S.C. 61001). I certify that the above information is true and that the address information is needed and will be used solely for service of legal pro s in connection with actual or prospective litigation. ,( ?L QJLr O ba? Signature ADDRESS: Shapiro & Denardo Laraine Colwell 3600 Horizon Drive, Ste. 150 Legal Assistant King of Prussia, PA 19406 Printed Name 610-278-9980 S&D File Number: 08-034248 FOR POST OFFICE USE ONLY Good as addressed Not known at address given NAME and STREET ADDRESS Moved, left no forwarding address P p 442 A No change of address order on file. NEW ADDRESS or BOXHOLDER S PO 0 No such address ?? V HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 VS. Jessica Wagner VERIFICATION Ilana Zion, Esquire, hereby states that she is the Attorney for the Plaintiff in this action, that she is authorized to take this Verification, and that the statements made in the foregoing MOTION FOR SERVICE PURSUANT TO SPECIAL ORDER OF COURT are true and correct to the best of her knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. SHAPIRO & DENARDO, LLC BY: Ilana'2ion, Esquire Attorney for Plaintiff S & D FILE NO. 08-034248 SHAPIRO & DeNARDO, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034248 HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 09-567-CIVIL TERM PLAINTIFF VS. Jessica Wagner DEFENDANT MEMORANDUM OF LAW Pennsylvania Rule of Civil Procedure 430(a) specifically provides: If service cannot be made under the applicable rule the plaintiff may move the court for a special order directing the method of service. The motion shall be accompanied by an affidavit stating the nature and extent of the investigation, which has been made to determine the whereabouts of the defendant and the reasons why service cannot be made. The comment to Pa.R.C.P. 430(a) illustrates what would be a good faith effort to locate the Defendant: NOTE: [A]n illustration of a good faith effort to locate the defendant includes (1) inquiries of postal authorities including inquiries pursuant to the Freedom of Information Act, 39 C.F.R. Part 265, (2) inquiries of relatives, neighbors, friends and employers of the defendant, and (3) examinations of local telephone directories, voter registration records, local tax records, and motor vehicle records. Comment to Pa.R.C.P. 430 (a). In real property actions, such as actions in mortgage foreclosure, the Pennsylvania Rules of Civil Procedure, Rule 410 (c), provides how service shall be made pursuant to an Order of Court under Pa R.C.P. 430 (a): The court shall direct one or more of the following methods of service: (1) publication as provided by Rule 430 (b), (2) posting a copy of the original process on the most public part of the property, (3) registered mail to the defendant's last known address, and (4) such other methods, if any, as the court deems appropriate to serve notice to the defendant. As set forth in the Sheriffs Return of Service, attached to the Plaintiffs motion as Exhibit "A", the Sheriff has been unable to serve the Complaint in Mortgage Foreclosure. A good faith effort to discover the whereabouts of the Defendant has been made in accordance with Pennsylvania Rule of Civil Procedure 430(a), as evidenced by the attached Affidavit of Good Faith Investigation, attached to the Plaintiffs motion as Exhibit "B". In order to complete service on the Defendant, Jessica Wagner, so as to move this action forward to ultimate disposition, the Plaintiff respectfully requests that this Honorable Court, pursuant to Pennsylvania Rule of Civil Procedure 430, grant a special Order directing service of the Complaint in Mortgage Foreclosure, Notice of Sale and all subsequent pleadings that require personal service only, on the Defendant, Jessica Wagner, by regular mail and certified mail to the last known address of the Defendant, Jessica Wagner, which is 22 West Springville Road, Boiling Springs, PA 17007; and by posting of the subject property located at 22 West Springville Road, Boiling Springs, PA 17007 by the Sheriff, competent adult, or other party allowed by law. Respectfully Submitted, SHAPIRO & DENARDO, LLC Date: 3-17-o5 BY: dwa 9 ua??? Ilana Zion, Esquire Attorney for Plainti SHAPIRO & DeNARDO, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034248 HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 PLAINTIFF VS. Jessica Wagner DEFENDANT COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 09-567-CIVIL TERM CERTIFICATION I hereby certify that I have served a true and correct copy of this Motion For Service Pursuant to Special Order Of Court and the papers attached thereto on all parties named herein at her last known address or upon her attorney of record by regular mail, postage prepaid to the parties listed below on 14 /'C.,h t , 2009. Jessica Wagner 22 West Springville Road Boiling Springs, PA 17007 SHAPIRO & DENA O, LLC BY: de= Ilana Zion, Esquire Attorney for Plain g N wj ~°r""1 i . y"? , ?, ?? ..+ ? ` ,'" . , ? ? '? ?? ??' „` _ ?' ? _ .? ? ? ? .r. C,Xs xi t MAR 2 p ZOW y SHAPIRO & DeNARDO, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034248 HSBC Bank USA, N.A., as Trustee for the COURT OF COMMON PLEAS registered holders of Nomura Home Equity CUMBERLAND COUNTY Loan, Inc., Asset-Backed Certificates, Series 2007-3 NO: 09-567-CIVIL TERM PLAINTIFF VS. Jessica Wagner DEFENDANT ORDER AND NOW, this Z 3" , day of , 2009 upon consideration of Plaintiffs Motion For Service Pursuant To Special Order of Court and the Affidavit of Good Faith Investigation attached hereto, it is hereby ORDERED that service of the Complaint in Mortgage Foreclosure, Notice of Sale and all subsequent pleadings that require personal service only, on the Defendant, shall be complete when Plaintiff or its counsel or agent has mailed true and correct copies of the, Complaint in Mortgage Foreclosure, Notice of Sale and all said subsequent pleadings by certified mail and regular mail to the last known address of the Defendant, Jessica Wagner, which is 22 West Springville Road, Boiling Springs, PA 17007, and the Sheriff, Marshal or other appropriate party has posted a copy of the Complaint in Mortgage Foreclosure, Notice of Sale or said subsequent pleading on the most public part of the property located at 22 West Springville Road, Boiling Springs, PA 17007, which is the subject of this action in mortgage foreclosure. ,C A\ o?? {S ?\ Il` It Y A, {aJ t ti? r' - ?{ nn4 SHAPIRO & DeNARDO, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I. D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034248 HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 PLAINTIFF VS. Jessica Wagner DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 09-567-CIVIL TERM PRAECIPE FOR REINSTATEMENT TO THE PROTHONOTARY: Kindly reinstate the Complaint in the above-captioned matter. SHAPIRO & DENARDO, LLC BY: 'Uma. Q) 'a Ilana Zion, Esquire Attorney for Plainti SHAPIRO & DENARDO, LLC BY: CHRISTOPER A. DENARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929 ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & D FILE NO. 08-034248 HSBC Bank USA, N.A., as Trustee for the ; registered holders of Nomura Home Equity ; Loan, Inc., Asset-Backed Certificates, Series 2007-3 PLAINTIFF VS. ; Jessica Wagner 22 West Springville Road Boiling Springs, PA 17007 ; DEFENDANT(S) COURT OF COMMON PLE fl CUMBERLAND COUI?TTY " in rn r NO: ??- 5707 ?lI/i l Z(r4 w cr* COMPLAINT - CIVIL ACTION 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 THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAYBE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. ,Tl C.D I7 Sheriffs Office of Cumberland County R Thomas Kline iti?xtn, atscar?br?y Edward L Schorpp Sheriff 4 ' Solicitor Ronny R Anderson Jody S Smith Civil Process Sergeant Chief Deputy SHERIFF'S RETURN OF SERVICE 04/03/2009 08:15 PM - Mark Conklin, Deputy Sheriff, who being duly sworn according to law, states that on April 3, 2009 at 2015 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the with named defendant, to wit: Jessica Wagner pursuant to Order of Court by posting the premises located at 2"- West Springville Road, Boiling Springs, Cumberland County, Pennsylvania, 17007, with a true and correct copy of the same according to law. SHERIFF COST: $44.50 April 06, 2009 SO ANSWERS, .Q R THOMAS KLINE, S RI uty Sheriff Docket No. 2009- 560'7 HSBC Bank v Jessica Wagner FILED-Or'=FILE. OF THE FRC, 7-?'7\-JIOTARY 2009 APP -7 P14 3 49 v CLIM" SHAPIRO & DeNARDO, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034248 HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 PLAINTIFF vs. Jessica Wagner DEFENDANT COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 09-567-CIVIL TERM AFFIDAVIT OF SERVICE I, Tiffany Donnell, the undersigned, being duly sworn according to law, hereby depose and say that on the -1 day of , 2009, pursuant to the attached Order of Court, attached as Exhibit "A", I served a true and correct copy of the Complaint in Mortgage Foreclosure in the above captioned matter to the Defendant by certified and regular mail, to their last known address of Jessica Wagner 22 West Springville Road Boiling Springs, PA 17007 SHAPIRO & DENARDO, LLC Cp 6 1, 'z BY: Tiffany Donnell Legal Assistant to Attorney for Plaintiff SWORN AND' dCRIBED Before me this ay of 146t9y Public t COMMONWEALTH OF PENNSYLVANIA Notarial Seal „'er:n'rfer M. Sharkey, Notary Public UHNor Merton Twp., fvicntgomery Gu4. ity Comr-,;o l ,n Expire, Wit. 19, 2019 Member, Pennsylvania „ssodation of Notaries s(D ? LL ° N ? LL 2 m 'L 2ulipuia l4 mood c uOi UUUUOD . tntU&S (D o uOiTL'uug OD AJDAI Q , m a° Lo > rn cfl O O C 0 co ` ) ? m o w 0 E - C? Z CL U a i1t N f m , P O v t a a' CL ¢ "' W c a b v CD Cc DSO 11Nn o o y _ a =c E40 A, 605 Fp 6 lk o Po N i 4 IA 10 c c 0 CL gg d e p, ? c N O .2 ° n0 " U Q. 9 erg! Em q E W N 0: Ir Of ) 0000 , 0 ? N , C U Q e (D ~ a Z bA 0 0 to L O 1 U) 6 C L n UU°u?SS N ? Y 00000 ,o a •? U Ch 3 O IN Qt U `oLQ E 10 ?> E ,q+ offi Z C ya ) r Q-i ?Z Q N N M a Q N N O`.?.? O O E >. pS N ,?C ?O '3 C Z c? y Z f/1 c+1 V] ui f0 h OD F J a C 9L° H a m 0 U N 0 O? a N O N m a LL ti co M O LL U) d a- m -a ti -0 rl r 0 0 0 0 0 ri CO ti m 0 0 N OF THE O i I n%CTARY 2099 APR 14 A 10= 3 0 . ~ `~ a J f SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034248 HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 PLAINTIFF vs. Jessic COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY N0:09-567-CIVIL TERM a Wagner DEFENDANT(S) PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES Enter Judgment IN REM in the amount of $95,923.37 in favor of the Plaintiff and against the defendant(s), jointly and severally, for failure to file an answer to Plaintiffs Complaint in Mortgage Foreclosure within 20 days from service thereof and assess Plaintiff s damages as follows and calculated as stated in the Complaint: Principal of mortgage debt due and unpaid $82,745.33 Interest at 8.345% from August 1, 2008 to October 31, 2008 (92 days @ $18.92 per diem) $1,740.64 Interest at 10.25% from November 1, 2008 to April 30, 2009 (181 days @ $23.24 per diem) $4,206.44 Interest at 9.25% from May 1, 2009 to June 26, 2009 (57 days @ $20.97 per diem) $1,195.29 Late charges (for certain months prior to default and every month after at a rate of $31.83 per month) $132.90 Escrow Advance (As stated in Complaint) $1,283.00 Property Inspections $10.50 Appraisal Fees $222.00 Title Search Report Fees $250.00 Attorneys Fees $4,137.27 TOTAL AMOUNT DUE $95,923.37 ~ ~ ~~ ,. BY: ~.~- Michael J. Clark, Esquire Attorney for Plaintiff AND NOW, judgment is entered in favor of the Plaintiff and against the Defendant(s) and damages are assessed as above in the sum of $95,923.37. Pro. Prothy. 08-034248 r SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034248 HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series ?007-3 PLAINTIFF VS. Jessica Wagner DEFENDANT(S) STATE OF: PENNSYLVANIA COURT OF COMMON PLEAS CUMBERLAND COUNTY 09-567-CIVIL TERM COUNTY OF: MONTGOMERY AFFIDAVIT OF NON-MILITARY SERVICE THE UNDERSIGNED being duly sworn, states that he/she is over the age of eighteen years and competent to make this affidavit and the following averments are based upon information contained in the records of the Plaintiff or servicing agent of the Plaintiff and that the above captioned Defendants last known address is as set forth in the caption and they are not to the best of our knowledge, information or belief, in the Military or Naval Service of the United States of America or its Allies as defined in the Soldiers and Sailors Civil Relief Act of 1940, as amended. SHAPIRO & DEN(A~RD~O, LLC B V y M chael J. lark, Esquire Sworn to and subscribed ~h~-- before me this ~JIJ day ~U , 2009. 1 ~ . ~' ~ ~~ ' ' ' SHAPIRO & DeNARDO, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034248 HSBC Bank USA, N.A., as Trustee for the ; registered holders of Nomura Home Equity ; Loan, Inc., Asset-Backed Certificates, Series 2007-3 PLAINTIFF ; VS. ' Jessica Wagner DEFENDANT COURT OF COMMON PLEAS CIVIL DIVISION. CUMBERLAND COUNTY NO: 09-567-CYNIC TERM CERTIFICATION OF MAILING NOTICE UNDER RULE 237.1 The undersigned hereby certifes that a Written Notice of Intention to File a Praecipe for the Entry of Default Judgment was mailed to the defendant (s) and to his, her, their attorney of record, if any, after the default occurred and at least (10) days prior to the date of the filing of the Praecipe. Said Notice was sent on the date set forth in the copy of said Notice attached hereto, Apri128, 2009 to the following Defendants: Jessica Wagner, 22 West Springville Road, Boiling Springs, PA 17007 Tiffany Donnell, Legal Assistant to Rana Zion, Esquire for Shapiro & DeNardo, LLC ~ SHAPIRO & DeNARDO, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034248 HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 PLAINTIFF VS. Jessica Wagner DEFENDANT COURT OF COMMON PLEAS CNIL DIVISION CUMBERLAND COUNTY NO: 09-567-CIVIL TERM NOTICE OF INTENTION TO TAIfE DEFAULT UNDER Pa.R.C.P. 237.1 IMPORTANT NOTICE TO: Jessica Wagner DATE OF NOTICE: April 28, 2009 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to fmd out where you can get legal help: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIItM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. . ! f ,.. ~ ....a NOTIFICACION IMPORTANTE Usted se encuentra en estado de rebeldia por no haber tornado la accion requirida de su parte en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dial de la fecha de esta notification, el tribuna podra, sin necesidad de compararecer usted in torte o escuchar preuba alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos importantes. Debe llevar esta notification a un abogado immediatamente. Si usted no tiene abogado o si no tiene dinero suficiente para tal servicio, vaya en persona o llame por telefono a la oficina cuya direction se encuentra escrita abajo para averiguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT' TO: Jessica Wagner, 22 West Springville Road, Boiling Springs, PA 17007 Ilana Zion, Esquire Shapiro & DeNardo, LC Attorney for Plaintiff SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar ~# 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034248 HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 PLAINTIFF vs. Jessica Wagner DEFENDANT(S) COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY N0:09-567-CNIL TERM CERTIFICATE OF SERVICE I, Michael J. Clark, Esquire, Attorney for the Plaintiff, hereby certify that I have served by first class mail, postage prepaid, true and correct copies of the attached papers upon the following person(s) or their attorney of record: Jessica Wagner 22 West Springville Road Boiling Springs, PA 17007 Date mailed: SHAPIRO & DENARDO, LLC BY: Michael J. C k, Esquire Attorney for Plaintiff 08-034248 . ~ _ ' SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034248 HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 PLAINTIFF vs. Jessica Wagner DEFENDANT(S) COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY N0:09-567-CIVIL TERM CERTIFICATION OF ADDRESS I hereby certify that the correct address of the judgment creditor (Plaintiff) is: HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 1675 Palm Beach Blvd. West Palm Beach, FL 33401 and that the last known address(es) of the judgment debtor (Defendant(s)) is: Jessica Wagner 22 West Springville Road Boiling Springs, PA 17007 SHAPIRO & DENARDO, LLC V BY: Michael J. ark, Esquire Attorney for Plaintiff 08-034248 2~~9 J~.L 13 ~~~'i l = ,. r ~'a~ ~A. ~-1U~~~ r~~~O( OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEASCumberland County Clerk Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 Curtis R. Long Prothonotary TO: Jessica Wagner 22 West Springville Road Boiling Springs, PA 17007 HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 PLAINTIFF vs. ; Jessica Wagner , DEFENDANT(S) COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY N0:09-567-CIVIL TERM NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. Curtis R. Long Prothonotary [XX] Judgment by Default [ ]Judgment for Possession [ ]Judgment on Award of Arbitration ] Judgment on Verdict [ ]Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY MICHAEL J. CLARK, ESQUIRE AT (610) 278-6800. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION Caption: HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 PLAINTIFF vs ()Confessed Judgment OOther File No. ~9 ~ ~_ Amount Due 95 923.37 Interest June 27, 2009 to December 9 2009 is $4,035.29 Atty's Comm Costs Jessica Wagner DEFENDANT(S) TO THE PROTHONOTARY OF THE SAID COURT: The undersigned hereby certifies that the below does not arise out of a retail installment safe, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon the following described property of the defendant(s) See attached Legal Description PRAECIPE FOR ATTACHEMENT EXECUTION Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s). (Indicate) Index this writ against the garnishee(s) as a lis pendens against real estate of the defendant(s) described in the attached exhibit. Date: Signature: Print Name: ichae J. Clark :Es uire Address: 3600 Horizon Drive, Ste.150 King of Prussia, PA 19406 Attorney for: Plaintiff Supreme Court ID # PA Bar # 202929 ~... ~. ii,,;~: ~ yF. sa' C f3J- ~ 14 • U ~ CISI' ~ ~ ,~y. S-o ~ al - a 6 ~~'yo ~' ~ ~ sv ~,~ ~R~= ' ~gY P~ r ~a~-~v ~d. q, J `~~-~ ~~ ~~ s~ dui LC.. ~~~ -~ 330 ~r~~ ~~.~- a~~~~~ WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) N009-567 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due HSBC BANK USA, N.A., AS TRUSTEE FOR THE REGISTERED HOLDERS OF NOMURA HOME EQUITY LOAN, INC., ASSET- BACKED CERTIFICATES, SERIES 2007-3 Plaintiff (s) From JESSICA WAGNER (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $95,923.37 L.L. $.50 Interest FROM JUNE 27, 2009 TO DECEMBER 9, 2009 IS $4,035.29 Atty's Comm Atty Paid $232.90 Plaintiff Paid Date: 7/13/09 (Seal) -~tEQUESTING PARTY: Due Prothy $2.00 Other Costs urtis R. Long, ro onotary By: Deputy Name: MICHAEL J..CLARK, ESQ. Address: 3600 HORIZON DRIVE, STE. 150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone: Supreme Court ID No. 202929 ~~ ~e UNITED STATES BANKRUPTCY COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA IN RE: Jesse N. Wagner a/k/a Jessica Nicole Wagner Debtor. CHAPTER 7 BANKRUPTCY CASE NUMBER 1-09-bk-03579 MDF HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3, c/o Ocwen Movant, v. Jesse N. Wagner a/k/a Jessica Nicole Wagner Debtor, Markian R. Slobodian, Trustee, Additional Respondents. ORDER 4`l - ~ceZ G.s.2, Upon the consideration of the Motion of Movant for Relief from the Automatic Stay (the "Motion"), and the failure of Debtor to file an answer, or otherwise respond to the Motion, and for good cause shown, it is ORDERED AND DECREED that the Automatic Stay of all proceedings, as provided under Section 362 of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (the "Code"), 11 U.S.C. § 362, is lifted to allow Movant, or its successors, if any, to proceed with, or to resume proceedings in Mortgage Foreclosure, including, but not limited to Sheriffs or Marshal's Sale of 22 West Springville Road, Boiling Springs, PA 17007; and to take action, by suit or otherwise as permitted by law, in its own name or the names of its assignee, to obtain possession of said premises. B,y the ~'aiu~t, $~a ru ~ ,ledge (J~) Thos document is edectronacadly signed and,filed on the same date. Dated: June 9, 2009 11 U.S.C. § 362 Case 1:09-bk-03579-MDF Doc 19 Filed 06/09/09 Entered 06/09/09 14:27:53 Desc Main Document Page 1 of 1 All that certain parcel of land and improvements therein situate in the Township of Boiling Springs, County of Cumberland, and Commonwealth of Pennsylvania, and designated as Parcel No. 40-28-2100-077 and more fully described in a Deed dated July 5, 2002 and recorded July 10, 2002 in Cumberland County in Deed Book 252, Page 3164, granted and conveyed unto Nancy R. Romano Paul R. Prah. BEING THE SAME PREMISES which Nancy R. Romano n/k/a Nancy R. Bittinger and Keith G. Bittinger, husband and wife, and Paul R. Prah, by Deed dated October 3, 2006 and recorded October 24, 2006, in the Office for the Recorder of Deeds in and for the County of Cumberland, granted and conveyed unto the Jessica Wagner, in fee. r, SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRNE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (b10)278-6800 S & D FILE NO. 08-034248 HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 PLAINTIFF vs. Jessica Wagner DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 09-567-CIVIL TERM AFFIDAVIT PURSUANT TO RULE 3129.1 HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 22 West Springville Road, Boiling Springs, PA 17007. Name and address of Owner(s) or Reputed Owner(s) Jessica Wagner 22 West Springville Road Boiling Springs, PA 17007 2. Name and address of Defendant(s) in the judgment: Jessica Wagner 22 West Springville Road Boiling Springs, PA 17007 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 1675 Palm Beach Blvd. West Palm Beach, FL 33401 ~~, Y 4. Name and address of the last recorded holder of every mortgage of record: HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 1675 Palm Beach Blvd. West Palm Beach, FL 33401 Name and address of every other person who has any record lien on the property: 6. Name and address of every other person who has any record interest in the property and whose interest maybe affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which maybe affected by the sale: TENANT OR OCCUPANT 22 West Springville Road Boiling Springs, PA 17007 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. SHAPIRO & DENARDO, LLC BY: Michael J Clark, Esquire 08-034248 ~~l,~f~--~"-r', Z~G9 .~`,aL 13 P~=~ 1 ~ ~3 l.i~.1~~~~ ;:7 ,'war` C ~I i ~~. t, -4 SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034248 HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 PLAINTIFF vs. Jessica Wagner DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 09-567-CIVIL TERM NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Jessica Wagner 22 West Springville Road Boiling Springs, PA 17007 Your house (real estate) at: 22 West Springville Road, Boiling Springs, PA 17007 is scheduled to be sold at Sheriffs Sale on December 9, 2009 at 10:00 AM, in Cumberland County Sheriffs Office, 1 Courthouse Square, Carlisle, PA 17013 to enforce the court judgment of $95,923.37 obtained by HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 (the mortgagee) against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: The sale will be cancelled if you pay back to the mortgagee the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 1. You maybe able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 2. You maybe able to stop the sale through other legal proceedings. 3. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) r, ~ YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 2. You maybe able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will recorded only if the purchaser pays the Sheriff the full amount of the bid. To find out if this has happened yet, you may call the Sheriff's Office at: 717-240-6390. 4. If the amount due from the purchaser is not paid to the Sheriff, the sale must be rescheduled. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings, if necessary, to evict you. 6. You maybe entitled to a share of the proceeds, which were paid for your house. A proposed schedule of distribution of the money bid for your house will be prepared by the Sheriff within thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the posting of said schedule of distribution. 7. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTIONS PRACTICE ACT, THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 08-034248 .' , All that certain parcel of land and improvements therein situate in the Township of Boiling Springs, County of Cumberland, and Commonwealth of Pennsylvania, and designated as Parcel No. 40-28-2100-077 and more fully described in a Deed dated July 5, 2002 and recorded July 10, 2002 in Cumberland County in Deed Book 252, Page 3164, granted and conveyed unto Nancy R. Romano Paul R. Prah. BEING THE SAME PREMISES which Nancy R. Romano n/k!a Nancy R. Bittinger and Keith G. Bittinger, husband and wife, and Paul R. Prah, by Deed dated October 3, 2006 and recorded October 24, 2006, in the Office for the Recorder of Deeds in and for the County of Cumberland, granted and conveyed unto the Jessica Wagner, in fee. h -. I .,• {~~= -f~r Cyr ~ ~~~ .. ,.~(`~fi'~~/ i r "~ h d': i ..~ ~ ` SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034248 HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY N0:09-567-CIVIL TERM VS. Jessica Wagner DEFENDANT VERIFICATION OF SERVICE BY CERTIFIED MAIL AND REGULAR MAIL PURSUANT TO COURT ORDER The undersigned hereby verifies that she is a legal assistant for Plaintiff in the above case and that pursuant to the attached Court Order she has mailed a true and correct copy of the Notice of Sale in the above-captioned case to Defendant by certified and regular mail, to the last known address of said Defendant as follows: Jessica Wagner, 22 West Springville Road, Boiling Springs, PA 17007 on July 24, 2009 as evidenced by the receipts of mailing attached hereto and made a part hereof. I verify that the statements made herein are true and correct and I understand that false statements made herein are subject to the penalties set forth in 18 Pa. C.S. Section 4904, relating to unsworn falsification to authorities. DATED: ~~ SHAPIRO & DeNARDO, LLC Lisa Kosik Legal Assistant 08-034248 U.S. POSTAL SERVICE CERTIFICATE OF MAILING MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOT • PROVIDE FOR INSURANCE-POSTMASTER Received From: Shapiro and Kreisman, LLC ..~. 3600 Horizon Drive, Ste.150 _~ ~ ~ ~ UNfT~O King Of Prussia, PA 19406 ~~°A ~~~"; ~ ,, m ° ~ ~ s9~ One piece of ordinary mail addressed fo: Tessica Wagner 22 West Springvi le Boiling Spring, PA PS Form 3817, January 2001 (Domestic Mail C For delivery inform. i ~ v .~ V fit R i N ~ ~~,~ CS- v G1 n~~Z U O r G m N~ A in ti ~ A O(~" O G f.7 m Lrt ~p Postage ~ / $ p ~ Gip O ~ r Certified Fee ~~ o \ Q ~ \ ~ O p Return Receipt Fee (Endorsement Required) 1r !~ ~,pstmark :, ~.{~ ~y~ ! ~' ~ Restricted Delivery Fee (Endorsement Required) /,- ~~,~ m ~ m Total Postage & Fees L ° ~ LS ~ ~- . `a o ent To n~; ~~,`7J~ l~ - - - -------------------------- -~~ - S`treef, Apt. No.; r, ------------------- ------------- O or PO Box No. ~ ~ lid f ~ ~1 ' c~l~~~ - -------------- ---- ~;ty state, +4 ~i :,, __ . _ --- ~-~~ ,,. ---- ---------------- 17 00 "7 ~Zz~nK ~o~ SZ?e~aff ~uaw~ad 3~~ Aed aZa ~~~ ~ U ZOQB~ SHAPIRO & DeNARDO, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034248 HSBC Bank USA, N.A., as Trustee for the COURT OF COMMON PLEAS registered holders of Nomura Home Equity ~ CUMBERLAND COUNTY Loan, Inc., Asset-Backed Certificates, Series 2007-3 NO: 09-567-CIVIL TERM PLAINTIFF ; VS. Jessica Wagner DEFENDANT OR ER AND NOW, this ~ ,"day of , 2009 upon consideration of Plaintiffs Motion For Service Pursuant To Special Order of Court and the Affidavit of Good Faith Investigation attached hereto, it is hereby ORDERED that service of the Complaint in Mortgage Foreclosure, Notice of Sale and all subsequent pleadings that require personal service only, on the Defendant, shall be complete when Plaintiff or its counsel or agent has mailed true and correct copies of the, Complaint in Mortgage Foreclosure, Notice of Sale and all said subsequent pleadings by certified mail and regular mail to the last known address of the Defendant, Jessica Wagner, which is 22 West Springville Road, Boiling Springs, PA 17007, and the Sheriff, Marshal or other appropriate party has posted a copy of the Complaint in Mortgage Foreclosure, Notice of Sale or said subsequent pleading on the most public part of the property located at 22 West Springville Road, Boiling Springs, PA 17007, which is the subject of this action in mortgage foreclosure. BY T COURT: J. ~~~" T~ ~' - i -an~ L ~ 1 7 1' d'.; ~ ~_'~._,.... ~. ,~ i .. , , SHAPIRO & DeNARDO, LLC BY: MICHAEL J. CLARK, ESQUIRE ATTORNEY I.D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 08-034248 HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3 PLAINTIFF VS. Jessica Wagner DEFENDANT COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY N0:09-567-CIVIL TERM CERTIFICATION OF NOTICE TO LIENHOLDERS PURSUANT TO PA R.C.P 3129.2 (C) (2) I, Lisa Kosik, Legal Assistant for Shapiro & DeNardo, LLC, attorneys for the Plaintiff, HSBC Bank USA, N.A., as Trustee for the registered holders of Nomura Home Equity Loan, Inc., Asset-Backed Certificates, Series 2007-3, hereby certify that Notice of Sale was served on all persons appearing on Exhibit "A" attached hereto, by United States mail, first class, postage prepaid, with Certificates of Mailing on October 21, 2009, the originals of which are attached and that each of said persons appears on Plaintiff s Affidavit pursuant to Pa. R.C.P. 3129.1. The undersigned understands that the statements herein are subject to the penalties provided by 18 P.S. Section 4904. 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