HomeMy WebLinkAbout09-2210SHAPIRO & DeNARDO, LLC
BY: CHRISTOPHER 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
LESLIE RASE, ESQ., ATTORNEY I.D. NO. 58365
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 09-035027
HSBC Bank USA, N.A., as Trustee on behalf COURT OF COMMON PLEAS
of ACE Securities Corp. Home Equity Loan CIVIL DIVISION
Trust and for the registered holders of ACE CUMBERLAND COUNTY
Securities Corp. Home Equity Loan Trust, ;
Series 2007-ASAP2, Asset Backed Pass- NO: y
Through Certificates
PLAINTIFF
VS.
Phillip Lough, Sr.
1182 Greenspring Road
Nevwille, PA 17241
Tamala Lough
1182 Greenspring Road
N wville, PA 17241
DEFENDANTS
CJ?,
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 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 DINERO SUFICIENTE DE PAGAR TAL SERVICIO,
VAYA EN PERSONA O LLAME POR TELEFONO ALA 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: CHRISTOPHER 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
LESLIE RASE, ESQ., ATTORNEY I.D. NO. 58365
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 09-035027
HSBC Bank USA, N.A., as Trustee on behalf
of ACE Securities Corp. Home Equity Loan
Trust and for the registered holders of ACE
Securities Corp. Home Equity Loan Trust,
Series 2007-ASAP2, Asset Backed Pass-
Through Certificates
PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO:
VS.
Phillip Lough, Sr.
1182 Greenspring Road
Newville, PA 17241
Tamala Lough
1182 Greenspring Road
Newville, PA 17241
DEFENDANTS
COMPLAINT IN MORTGAGE FORECLOSURE
Plaintiff, HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home
Equity Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan
Trust, Series 2007-ASAP2, Asset Backed Pass-Through Certificates, the address of which is,
1661 Worthington Road; Suite 100, P.O. Box 24737, West Palm Beach, Florida 33415, 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
Allied Mortgage Group, Inc.
Mortga or(s): Phillip Lough Sr. and Tamala Lough
(b) Date of Mortgage: January 19, 2007
(c) Place and Date of Record of Mortgage:
Recorder of Deeds
Cumberland County
Mortgage Book 1980, Page 4538
Date: January 30, 2007
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 Allied
Mortgage Group, Inc
Assignee: HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp.
Home Equity Loan Trust and for the registered holders of ACE Securities Corp.
Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass-Through
Certificates
Date of Assignment: March 3, 2008
Recording Date: April 9, 2008
Instrument No.: 200811114
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 1182
Greenspring Road, Newville, Pa 17241 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 names and mailing addresses of the Defendants are:
Phillip Lough, Sr., 1182 Greenspring Road, Newville, PA 17241
Tamala Lough, 1182 Greenspring Road, Newville, PA 17241
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 December 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 March 31, 2009:
Principal Balance Due
Interest Currently Due and Owing at 6.128%
From November 1, 2008 to March 31, 2009
Late Charges
Property Inspection
Suspense/Unapplied Balance
Title Search Cost
Attorney Fees & Costs of Foreclosure
T4TAI?
$161,029.62
$4,083.04
$251.40
$10.50
($556.75)
$250.00
$5,000.00
$170,067.81
9. Interest accrues at a per diem rate of $27.04 each day after March 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. 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 Defendants, jointly and severally, 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:
BY: 0
Attorneys for Plai ti
S & D File No. 09-035027
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T-248 P020/057 F-718
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03-13-'09 16:15 FROM- T-248 P025/057 F-718
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T-248 P029/057 F-718
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03-13-'09 16:16 Fl3M- T-248 P030/057 F-718
ALL that certain tract of land situate in North Newton Township, Cuunbertand County. P*ar1W, bounded
and descMed in accordance with a plan prepared by Rodney Lee Decker, R.P.L.S., dated June 9, IM and
recorded in the O}Mioe of the Reowder of Deeds for Cumberland Camty in Plan 000k W. Page 109.
SEGINNiNG at a point in southom right of way line of PA Route 841, at corner of Lot No. 20 in said plan. theme
Wort Lot No. 20 South 03 degrees 26 minutes 00 seconds West 30.00 loot to a point at Lot No. 20; if wnce still
a" Lot No. 20 North 80 degrees 34 minutes 05 ssoabs West 150.00 feet to a point; thence a1N Mong Lot No.
18 North 0$ degrees 26 minutes 00 seconds Esst 330.00 Meet to a point thane along southern dot of way of
Pa Routs 841 South 88 degrees 34 minutes 05 seconds East 150.00 feet to a point the Piave of St"INIG.
CONTAINING 1.130 acres and designated as Lot 19 of North Newton Manor.
UNDER AND SMECT NEVERTHELESS to the following building and use metridlons which .has be bkhding
on other WW of to Gmtftrs, with
on the within d**~ tract Of
which buildblp wo use restrictions ions an only d witand shell rM be doomed hin Gnnftw their heirs and igns acoeptanoe of V* deed
agree to 00mpiy.
1. No mobft homes are permitted on any lot in this subdivision.
2. All residential structures shill have a minimum of 1200 square foot of fmWmd"floor area.
3. No lioaneed vehicles, junk yard or junk cars are permitted on any lot of any tins.
4. Thom si1Wi• be no stodcpiltng of any material except flrewoed on any lot at any time
5. No commercial farming.
BEWGthe cant..? ?M. mises which Kirnbs. inc., a PoMwiNanle Corporation; john J. Fcx. a *00 parson, CYhda
L_ t=onc, a pen?oniI Hairy H. Fox, Jr„ a singw?par on. Anne G, Faoc, a 0-op penal, nand Norman rrhon Draws
f ompow, a mow" Cor06r? . by dead dated June 26, 2003, end[ *tWdJuIY 10:I8rin'
Cumberland County in Deed book Volume 258 at Page 297, granted and conveyed unto Benjamin F. Garman
and Aunhdle B. Garman, his wife.
BEING KNOWN as Tax Parcel # 30-08-0587-056
I Certify this to be recorded
In Cumberland County PA
Recorder of Deeds
(Sro 7-M0o.PMa M-00"aw1)
8K f 980PG4560
0
MIN: 100090711070100947 Loan Number: 1107010094
ADJUSTABLE RATE NOTE
(6-Month LIBOR Index - Rate Capsl
(Assumable during Life of Loan) (First Business Day of Preceding Month Lookback)
THIS NOT& CONTAIM PROVISIONS ALLOW)NG FOR C ANGIM IN MY I TERIIST
RATE AND MY MONTHLY PAYN=4T. THIS NOTE LIMIT8 THE AMOUNT MY
Il4TE M RATE CAN CHANGE AT ANY ON& TIME AND THE MA=KUM RATE I
MUST PAY.
JANUARY 19, 2007 BALA CYNWYD PENNSYLVANIA
P4103 r frA lft"1
1182 GREENSPRING ROAD, NEWVILLE, PENNSYLVANIA 17241
VAVUW Addy M4
1. BORROWER'S PROMISE TO PAY
In return for a loan that] bra received, I promise to pay U.S. S 141,520. 00 (this amount is
called "Principal"), plus iutcres4 to the order of the Lender. The Lender Is ALLIED MORTGAGE
GROUP, INC, A PENNSYLVANIA 33UKING CORPORATION
I will make all payments under this Note In the farm of cash, checker moray order.
I understand that the Londcr may tmnsfir this Note. The Lender or anyone who takes this Note by transfer
and who is entitled to receive payments under this Note is called the "Note Holder."
2. INTEREST
Interest will be charged on unpaid principal until the full amount of Principal has boon paid. I will pay interest
at a yearly rate of 8.375 %. The Interest rate I wui pay wilt change in accordance with Section 4 of this
Note.
The interest into required by this Section 2 and Section 4 of this Note Is the rate I will pay both before and after
any default described in. Section 7(8) of this Note.
3. PAYMENTS
(A) Time and Place of Payments
I will pay principal and interest by making a payment every month.
I will tnako ray monthly prjuma a .at day of each month bogtaai on MARCH "
2007 I will make Ajise p ry month WA I have paid all offhe principal and interest and
any other charges described below that4 may-ow =ft ft Notes. Each monthly payment will be applied as of its
rabeduled due date and will be applied to interest before Principal. 4 an rIMPMARY 11 2037 ,
I still owe amatnisunder this Nola, I will pay tbose amounts in full on that date, vvhioh is called the "Maturity Date."
I will make my monthly payments at 7 BALA AVE. , STE 10 8, BALA CYNWYD,
PENNSYLVANIA 19004
or at a diflerant place if required by the Note Holder.
(31) Amovat a[My Intew•MentWy Payments Each of my initial monthly payments will be in the amount of U.S. S 1, 0 7 5.6 5 This
amount may change.
Paso 1 of a
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(C) NoatLly Payment Changes
Clumps is my monthly paymantwnl rofleat champs in the unpaid principal of my loan and in the interest rate
that I mart pry.' The Note Holder will datermim my new interest rate and the changed amount of my monthly
payment in accordance with Section 4 of this Note.
4. INTEREST RATE AND MONTHLY PAYMENT CHANGES
(A) Change Data
The k*ww rata I will pay may change on the ltat day of FEBRUARY, 2009 , and
may change an that day every sixth month tbaraafbr. Loch date an which my interest rate could change is called it
"Change Date;"
(J) 71a Index
Beginning with the first Clump Date, my intorostraw will be based at an Iodox. Zile "Index" is tho six inontb
London Interbank 011ered Rate ("LIBOR') which is the average of irtarbanlc offered rates for six-montb U.S.
dollardenomhated deposits in the London market, as published to She Waff Street Journal. The most recent Index
figure avertable as ofthe brat business day of tba month immediately preceding the month to which the Cheap Date
a== is called the "Corrent Index.*
If the Index is no larger available, the Note Holder will choose a now index which is based upon comparable
intbrmation.: The Note Holder will give me notice of this choice.
(C) Calculation of Changes
Before ouch Chimp Dato, the Nom Holder will caleulato my new interest rate by adding FIVE AND
375/1000 parcentaga point(s) ( 5.375 %) to the Current index.
The Note Holder will then rated the result of this addition to the nearest one-otghtb of ona porocatago point
(0.12598} Sttt;jcot to the limits stated in Section 4(D) below, ibis roundel amountwill be my now interest rate until
the next Change Date.
The Note Holderwill then determine the amount of the monthly payment that would be saflieiant to repay the
unpaid principal that I am expected to owe at the Change Date in W11 an die Maturity Dote-at my new interest rate
in substantially equal payments. The result of this calculation wilt be the new amount of my monthly payment.
(D) Limits on Interest Rate Changes
The interest rate I am required to pay at the fast Change Date will not be greater than 11.375 ye,
or less than 8.3 7 5 9L Tbaoaftt:r. tiny interest rate will never be Increased or decreased on any single
Change Date by more than ONE AND 000/1000 percentage point(s)
( 1.000 %) from the rate of interest I have been paying for the preceding six months. My interest rate
will never be greater than 14.375 "A. My interest rata will never be less than 8.375%
(E) Effective, Data of Changes
My new hrterest rate will become effective on each Change Date. I will pay the amount of my new monthly
payaa otbegimting onthe f'iz-Amonthly payment date atterthe Change Date until The amountofmymontbly payment
chougs again. k e
(1) Notice of Changes
The Nom HMdor will deliver or mail to me a notice of any changes in my interest rate anM aMeft my
montidy payment he&xc the cffecfrm dam of any cbamgc. The notice will include information required by law to be
given to ma sad also the title and telephone number of a person who will answer any ques4on•I may have regarding
the notice. .
5. BORROWER'S RIGHT TO PREPAY ** Bea attached Pz Vaytaettt Norte Adduxhm.
I have the right to make payments of Principal at any time bef xe they am due. A payment of Principal only
Is Smowo as a "PropsymartV When I intro a Prepayment. I win tell the Nom Holder in wdd ag that I am doing so:
I may not designate a payment = a Prepayment If I have not made an the monthly payments due under the Nola.
Page 2 or 6
caner
I may maito a full Prepayment or partial Propsymmtts wMaut paying a Prepayment charge. The Note Holder
will use my, Prepnymeata to roducc the amount of Principal that Ian under this Note. However, the Note Holder
may apply, my' Prepayment to the coerced and unpaid interest an the Prepayment amount bddae applying my
Prepaymeat to redoce iba Principal amount often Note. If l maim a partial Propaymonk !hero will be no changes in
the due dates of my monthly payment unima the Note Hilda agrees in Writing to tboae olmnia. My partial
Prepayment may reduce the amotmt of my monthly payments after the first Change Date Ssuowing my partial
Prepayment. However, any reduction dire to my partial Prepayment may be offset by an interest rate increase.
6. LOAN CHARGES
If a law, Which applies to obis loon and which ads meedm ma loan charges, is finally interpreted m that the
interest or other loan charges collected or to be collected In oc mact on with ft loan exceed the permitted limits,
then: (a) any snob loan charge tttalf be roduad by the amamtt necossary to reduce the charge to the permitted limit;
and (b) my sums already collected from me which acceded permitted limits will bo refended to me. The Note
I3oldermay oboosoto make this refund byrcduddsng tho Principal I oweundathisNoto orby making adirect payment
tome. If a•rofund reduces principal, the reduction will be treated as apartial PnpaymcnL
7. BORROWER'S FAILURE TO PAY AS REQUIRED
(A) Late Charges for Overdue Payments
If the Note Holder has not realved the till amount of arty mcstWy payment by the and of 15
calendar days after the data it is due; I will pay a lot* charge to the Note Holder. The amount of the charge will be
5.0 0 0 'Yes of my overdue payment of principal and Interest, I will pay this late charge promptly but only
once on cacti late psymcnL
(B) Default
IfI do not pay the cull amoont of each monthly payment on the data it is due, r will be in dafault.
(C) Notice ofDetlmlt
IF] ain in dafanlt, the Note Holder may send me a written notice telling are that if I do not pay the ovuduo
amount by a certain date, the Note Holder any require me to pay immediately the brit amount of Principal which bas
not bean paid and all the interest that I own on that amount. That date must be atleast 30 days after the date on which
the notice is trailed to me or delivered by other means.
(D) No Waiver by Note Holder
Even-ig at a time when I am in default; the Note Holder does no require me to pay immediately in full as
described above, the Note Holder will stilt have the right to do so if I me in dalbuft at a titer time,
(Z) Payment of Note Holder's Coat and Rxpmm
If the Note Holder bas tooled me to pay immediately in bit as descn'bed above, the Note Holder will have
the right to be paid back by me for all of its costa and expense in onfaratag ddaNoto to the extent not prohibited by
applicable law. These expea tes iaehxk6 far example, reasonable attorneys' fees.
...,
S. GIVING OF NO TI
Unless applicable It, ` elks a ditlureat method, any notice that must be given to me under this Note will be
given by delivering it or by daaitieg iflty"fh*oism mail to me at the PropertylMdress above or at a ditlbrent address
if I give the Note Holder a "cc of my diffment address.
Any notice flat mustba given to the Note Holder under this Note will be given by delivering it or by mailing
it by fast class mail to the Note Holder at the addbosa stated in Section 3(A) above or at it differaat address if I am
given a notice of that d iif event address.
9. 0136GATIONS OF PERSONS UNDER THIS NOTE
if more than am person signs this Note, each petals is testy and personally obligated to keep all of the
promises made in this Note, including the promise to pay the AM amount owed. Any parser wbo is a guarantor,
surety or ondorvar of thla Noto is also obligated to do those things. Any person who takes over these obligations,
rasa 3 of 6
0 •
including the abligodons of a gueraamr, surety or endorser of this Note, is also obligated to keep all of lbo promises
madoinlhisNote. The MtnHoldermayenforooitsrights tmderibisNotoogaiaatawbperson lndividuailyaragainst
all of us together. This means that any one of us may be tsquirod to pay all of tho amounts awed under this Note.
10. WAIVERS
I and any other person who has obligations under this•Note waive the rights of Presentment and Notice of
Dishonor. "Proseanmsata moans the right to require the Note Holder to demand payment of amounts due. Notice.
of Dlaboace means the right to require the Note Holder to give notice to other persons that amounts due have not
been paid,
11. UNIFORM SECURED NOTE
TblsNote is anmiform instramentwith limited variations in some jurisdictions. In addition to the pmtactions
given to the Note Holder under thisNote, a Mortgage, Dead of Trost, or Security Dead (the "Security Inprument"),
dated to same date as this Nate, protects the Nate Holder from possible losses which might result If I do not troop
the promises which I make in this Notre That Security Instrument describes how and under what conditions I may
be required to make immediate payment In lbll of all amounts I owe under this Note. Some of those conditions are
described as follows:
Transfer of the Property or a• Beneneial Interest in Borrower. As used in this Section 18,
"Interest in the Property" means any legal or beneficial interest in the Property, including, but not
limited to, those baneficial interests transferred in s bond for deed, contract for deed, installment sales
contract or escrow agreemen4 the intent of which is the transfer of title by Borrower at a future date to
a purchaser.
Hall or anypart of tho Property er any Interest in the Property is sold or transferred (or if Borrower
is notanatandparson and a bonoteial interest In Borrower issold or transforiod) withoutLmdte3 prior
written content, Lander may require immediate payment in full of all sums secured by this Security
Iosdvmoat However, this opdou shall not be awaited by Lender If such ezaraiso is pmbibited by
Applicable Law. Lander also atoll not exercise this option i$ (a) Borrower onuses to be submitted to
Lender information required by Louder to evaluate the inteadad transferee as if a new loan were being
made to the transfereo; and (b) Lender rossonably determines thatLandoes seatritywill oaths impaired
by the loan as mption and that the risk of a breach of any covenout or agreement in this Security
Instrument is acceptable to Leader.
To the extent permitted by Applicable Law, Lender may charge a reasonable foe an a condition to
Leaders consent to the loan assumption. Lender may also require the transform to sign an assumption
Macq d that is a=cptablc to Lander and that obligates the tansfweo to keep all the promises and
agreements made in the Note and in this Scoarity Instrument. Borrower will continue to be obligated
under the Note and this Security Instrument unless Lender releases Borrower in writing.
Mender exercises the option to require Immadho payment in Poll, Lea ?ivo•BonwM
notice of aaccleratimn. The notice shall provide a period ofnot less than 30 days a the notice
is giulah in accordance with Section 15 within which Borrower most pay all sm-MI-Seotf ffq this
Scaurky lrsttumett If Botsower tails to pay these soon prior to the expimdon of this period, Loads
may hwoko any remedies permitted by ibis Security'Insbvmeutwithout !lather notice or demand on
Borrower.
Page 4 of 6
WSMI"
WriN= THE BAND(S) AND StAL(S) OF THE UNDEMOt!TED
n
(Seat) (Seat)
PHILLZ LO GH, SR. Bormwer TAMALA LOUGH -Dorrower
(seal) (S-U
-Bortower -Borrower
(Seal) (Seal)
-Borrower Borrower
PAY TD THE ORDER OF
WMIDUT RECOURSE
RUED DitORTGA? OROt? UIC.
fsgn Orlglna! Only]
1 Le N r4M - a smonth Pw tuRN k0 D.Awkmn° su=
?1 www. le.oom
fi6? AAia Page 6 or 6
UAA0?1
ls`411-
EAd:
4
^I OCWENLoan Servicing, LLC
•. 12650 Ingenuity Drive
WW.OCWEN.COM
o c w e n Orlando, Florida 32826 W
January 30, 2009
VIA First Class Mail
VIA Certified Mail (return receipt requested)
Certified Number: 71069017515124965005
Reference Code: 0812
Tamala Lough
1182 Green Spring
Newville, PA 17241
11,oan Number: 20288197
Property Address: 1182 Greenspring Road, Newville, PA 17241-0000
PEASE SEE THE ENCLOSAD-11- '110CUMENT
a It
1I A mmunica in a de t collector attempting to collect a del
any information obtained will be used for that purpose.
DACT91.12
'.Y
k s.
6,X iaa,w..
r
OCWEN Loan Servicing, LLC
? 12650 Ingenuity Drive
Orlando, Florida 32826 WWW.OCWEN.COM
OCWEN
APPENDIX A
January 30, 2009
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
'his is an officia l notice that the m ortg age on you r hom e is in default and the lende r intends to foreclose. Spe cific
informat ion about the nat ure of the de faul t is pro vide d in t he atta ched pages
7'he HO MEOWN ER'S M ORTGAGE AS SISTA NCE PRO GRA M (HEM") may be able t o help to save your home This
Notice ex plains ho w the pr ogram work s.
W
w.. hen yo n mr et wit h the C ounseling A genc y.
?'he nam e addres s and p hone numbe r of Consu mer Credi t Coun seling Agencies serving yo ur County are listed at the end
h ti call t lvania Housing
Penns
h Finance Agency toll fre e at
of this
I-800-34 Notice. If
2-2397 (Pe you
rsons w ave any q
ith impaired ues
hea ons y
ring ca ou
n ca may
ll (? 780- y
e
18691.
This No tice conta ins imp ortant legal inf ormatio n I f you have any questions. represent atives at the Consumer C redit
counseli n
A
c may b e able to he lp e xplain it Y ou m ay als o want to contact an attor ney in your area. The local bar
associati g
g
on may b y
e able to helpyou fi nd a lawyer
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A
CONTINUAR VIVIE SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICAC ,
OBTENGA UNA ON INMEDIATAMENTE LLAMANDO A ESTA AGENCIA (PENIS A
gOUSING FINANCE AGENC IN 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
FERDIDA DEL DERECHO A REDUMR SU HIPOTECA.
HOMEOWNER'S NAME(S):
1
3
PROPERTY ADDRESS:
LOAN ACCT. NO.:
ORIGINAL LENDER:
CURRENT LENDER/SERVICER:
Tamala Lough
1182 Greenspring Road
Newville, PA 17241-0000
20288197
MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC.
OCWEN ,
DACr91.12
This communication is from a debt collector attempting to collect a debt;
any information obtained will be used for that purpose.
..
OCWEN Loan Servicing, LLC
12650 Ingenuity Drive
Orlando, Florida 32826 WWW.OCWEN.COM
O C W E N
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.
(,ONSUMER 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. M?g
flames. addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the
prey 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 al #tance from the Homeowner's Emergency
-y
Mortgage Assistance Program. To do so, you must fill out, sign and ; --completed Homeowner's Emergency Assistance
Program AppUcation with one of the designated consumer credit counseling odes 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.
+OU Mt 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
NOME 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 AcL 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
V u if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing
mance Agency of its decision on your application.
i
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).
DACr91.12
This communication is from a debt collector attempting to collect a debt;
any information obtained will be used for that purpose.
YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE.
iF OCWEN Loan Servicing, LLC
EOi 12650 Ingenuity Drive
-- Orlando, Florida 32826 WWW.OCWEN.COM
O C W E N
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to datel.
NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 1182
Greenspring Road, Newville, PA 17241-0000
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 $ 1,264.23 from December 01, 29A through January 30. 200
DETAIL SUMMARY :
Principal and Interest ................................. $ 2,011.16
Interest Arrearage ..................................... $ 0.00
Escrow .................................................. $ 522.05
Late Charges ........................................... $ 150.84
Insufficient Funds Charges ........................... $ 0.00
Fees / Expenses ........................................ $ 15.96
Suspense Balance (CREDIT) ........................ $ 556.75
Interest Reserve Balance (CREDIT) ................ $ 0.00
TOTAL DUE .......................................... $ 2,143.26
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 $2,143.26, PLUS ANY MORTGAGE
PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments
must be made either by Mon Gram. Cashier's Check. Certified Check or Money Order made payable and sent to:
OCWEN
P.O. BOX 6440
CAROL STREAM, IL 601974440
IF YOU DO NOT C E DEFAULT AULT - If you do ngtt cure the default within THIRTY (30) DAYS of the this
Notice, the lender intends to hercise its rights to accelerate the mortgage debt. This means that the entire outstandi g
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 propy.
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 rwuired 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 Arevent
the sale at any time up to one hour before the Sheriffs Sale. You may do so by paAng the total amount then past due..
lus 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 tender and by performing any other,
mquirements under the mortgages 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 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.
DACT91.12
This communication is from a debt collector attempting to collect a debt;
any information obtained will be used for that purpose.
OCWEN Loan Servicing, LLC
12650 Ingenuity Drive
fo Orlando, Florida 32826 WWW.OCWEN.COM
0C WEN
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 Sheriff's Sale will end your ownership of the mortgaged
property and your right to occupy it. If you continue to live in the property after the 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:
i
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.
6
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 0R3r?LOSURE PROCEEDING"OR ANY OTHER
LAWSUIT- INSTITUTED UNDER THE MORTGAGE DOC .
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
DAM1.12
This communication is from a debt collector attempting to collect a debt;
any information obtained will be used for that purpose.
j ' OCWEN Loan Servicing, LLC
12650 Ingenuity Drive
l Orlando, Florida 31826
GCWEN
W W W.OCWEN.COM
January 30, 2009
VIA First Class Mail
VIA Certified Mail (retum receipt requested)
Certified Number: 71069017515124964992
Reference Code: 0812
Phillip Lough Sr Tamala Lough
1182 Greenspring Road
Newville, PA 17241-0000
Loan Number: 20288197
Property Address: 1182 Greenspring Road, Newville, PA 17241-0000
;a
E SEE THF.NCLOSED D0CUMENT-
DAM1.12
communication is from a debt collector attempting to collect a debt;
any information obtained will be used for that purpose.
................ _ ... ,
i0i OCWEN Loan Servicing, LLC
12650 Ingenuity Drive
Orlando, Florida 32826 WWW.OCWEN.COM
CCWEN
APPENDIX A
January 30, 2009
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 HOD` ONVNER'S MORTG AGE ASSISTA NCE PRO GRA M (HEM AP) may be abl e to help to save your home This
lains how the pram
Notice ex works.
p
To sea if HEMAP can help yo u must MEET WIT H A CO NSUME R CR EDIT CO UNSELING AGENCY WITHIN
T HIRTY (30) DAYS OF THE DA TE OF THIS NOTI CE Take t his No tice wi th you
A
when you meet with the Counseli gents
ng
The name address and phone nu mber of Consu mer C redit Coun seling Ago des serving 3-our County are listed at the end
Qf this Notice. If you have an y questions you m ay c all t he Pen nsylva nia Hous ing Finance Age cy toll free at
1-000-342-2397 (Persons with imp aired hearing c an call (717 ) 780- 1869).
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A
CQN ?IUAR VIVIENDO EN SU CASA. SI NO COM-PI &E CONTENIDQ DE FS"TA NOTMCACION,
OBTENGA UNA TRADUCCION INMEDIATAME A ESTA AGE NCIA (PENNSYLVANIA
I?IOITSING FINANCE AGENCY) SIN CARGOS AL 1 1Mw "MENCIONADO AMUBA. 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):
0
PROPERTY ADDRESS:
Phillip Lough Sr Tamala Lough
1182 Greenspring Road
Newville, PA 17241-0000
i
LOAN ACCT. NO.: 20288197
ORIGINAL LENDER: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC.
CURRENT LENDER/SERVICER: OCWEN
DACr91.12
This communication is from a debt collector attempting to collect a debt;
any information obtained will be used for that purpose.
_ .................. . .
lol OCWEN Loan Servicing, LL
126501ngenuily Drive
Orlando, Florida 32826 WWW.OCWEN.COM
dCWEN
HOMEOWNER'S EMERGENCY MORTGAGE ASSIS'I'ANC;E rKUUKAiVi
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.
'OU 1tTJ?T BRING YOUR b40RTGAGE UP TO DATE THE PART OF THIS NOTICE CALLED"HOW TO CURE
FOUR 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. Ig
names. addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the
progaly is located are set forth at the end of this Notice. It is only necessary to schedule one faceto-face meeting. Advise
our 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 w.#h the lender, you have the right to apply for financial assistance from the Hom 's t megency
Mortgage- ce?Frogram. To do so, you must fill out, sign and file a completed Homeowner's _ cy istance
Program Applfttio ith one of the designated"ieonsumer credit counseling agencies listed at the end orthis . 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.
YIOU 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.
s
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 removes 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).
DACT91.12
This communication is from a debt collector attempting to collect a debt;
any information obtained will be used for that purpose.
. ... . ... . . .... .. .....
,
OCWEN Loan Servicing, LLC
0
12650 Ingenuity Drive
Orlando, Florida 32826
OCWEN
WWW.OCWEN.COM
NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 1182
Greenspring Road, Newvdle, PA 17241-0000
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 $ 1,264.23 from December 01. 2008 through January 30,
DETAIL SUMMARY :
Principal and Interest ................................. $ 2,011.16
Interest Anearage ..................................... $ 0.00
Escrow .................................................. $ 522.05
Late Charges ........................................... $ 150.84
Insufficient Funds Charges ........................... $ 0.00
Fees / Expenses ........................................ $ 15.96
Suspense Balance (CREDIT) ........................ $ 556.75
Interest Reserve Balance (CREDIT) ................ $ 0.00
TOTAL DUE .......................................... $ 2,143.26
IOW 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 $2,143.26, PLUS ANY MORTGAGE
PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. vments
must be made either by Money Gram. Cashier's Check. Certified Check or Money Order made Rayable and sent to:
OCWEN
P.O. BOX 6440
CAROL STREAM; IL 60197-6440
JE YOU DO NOT CURE THE DEFAULT - If you 2=???deb. within THIRTY (30) DAYS of the date of this
Notice, the lender intends to exercise its 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
JF 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 QM DAY period. you will not
be required to nay attornyv 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
MIRTY (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 payjpg 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
ether costs connected with the Sheriffs Sale as specified in writing by the lender and by nerformingany other-
MquiMMats under the mortgage Curing your default in the manner set forth in this notice will restore your mortgage to
tie 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 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.
DACr91.12
This communication is from a debt collector attempting to collect a debt;
any information obtained will be used for that purpose.
........... ........
OCWEN Loan Servicing, LLC
t 12650 Ingenuity Drive
xa Orlando, Florida 32826 WWW.OCWEN.COM
9 C W E N
HOW TO CONTACT THE SERVICER:
Name of Servicer: OCW EN
Address: P.O. BOX 24737
WEST PALM BEACH, FL 33416-4737
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 Sheriff s Sale, a lawsuit to remove you
and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE - You may 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
Oosts are paid prior to or at the sale and that the other requirements of the mortgage are satisfied.
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 (3) TIMES IN ANY CALENDAR YEAR.) ?_ .. _
O NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROLE )t ANY OTHER
)JAWS ?NS1UTED UNDER THE MORTGAGE DOCUMENTS.
1-0 ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
e,ONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY
DACr9/.12
This communication is from a debt collector attempting to collect a debt;
any information obtained will be used for that purpose.
.._..._..._...._..:.
OCWEN Loan Servicing, LLC
12650 Ingenuity Drive
..._..- Orlando, Florida 31816
O C W E N
WWW.OCWEN.COM
January 30, 2009
VIA First Class Mail
VIA Certified Mail (return receipt requested)
Certified Number: 71069017515124964985
Reference Code: 0812
Phillip Lough Sr
1182 Green Spring
Newville, PA 17241-9680
Loan Number:
Property Address:
20288197
1182 Greenspring Road, Newville, PA 17241-0000
PLEASE SEE ZOSED DOCUMENT
DAM1.12
This communication is from a debt collector attempting to collect a debt;
any information obtained will be used for that purpose.
i OCWEN Loan Servicing, LLC
fO` 12650 Ingenti ty Drive
-- Orlando, Florida 32826 WWW.OCWEN.COM
0 C W E N
APPENDIX A
January 30, 2009
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
This is an official notice that the mollpge on your home is in default. and the lender intends to foreclose. SRecific
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
THIRTY (30) DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you
when you meet with the Counseling Aggncv.
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 Ag gy toll free at
9-800-342-2397 (Persons with impaired hearing can call 717) 780-1869).
This Notice contains important 1=1 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
C i VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO D ? JgTIFICACION,
G _ NA TRADUCCION INMEDIATAMENTE LLAMANDO A ESTA A NNSYLVANIA
HO?Si[P(.ftNANCE AGENCY)`SIN CARGOS AL NUMERO MENCIONADO STED 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 REDEWR SU HIPOTECA.
HOMEOWNER'S NAME(S):
PROPERTY ADDRESS:
LOAN ACCT. NO.:
ORIGINAL LENDER:
CURRENT LENDER/SERVICER:
Phillip Lough Sr
1182 Greenspring Road
Newville, PA 17241-0000
20288197
MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC.
OCWEN
DACI'91.12
This communication is from a debt collector attempting to collect a debt;
any information obtained will be used for that purpose.
fi OCWEN Loan Servicing, LLC
i 12650 Ingenuity Drive
Orlando, Florida 32826 WWW.OCWEN.COM
CC WEN
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.
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. Thg
names. addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the
br tRe[IY 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 hay. hI apply for financial assistance from the Homeowner's Emergency
x' Mortgage Assistance Program. To do -so, you Qfit, sign and file a completed Homeowner's Emergency Assistance
Program Application with one of the designatedwconft -credit counseling agetties 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.
1VOU 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.
4GENCY 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 slaty (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.
MOTE: 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).
DACT91.1I
This communication is from a debt collector attempting to collect a debt;
any information obtained will be used for that purpose.
%, If
WWW.OCWEN.COM
Orlando, Florida
d C W E N
HOW TO CURE YOUR MORTGAGE DEFAULT (fig it up to datel.
OCWEN Loan Servicing, LLC
12650 Ingenuity Drive
'
!?1
32826
NATURE OF THE DEFAULT_ -The MORTGAGE debt held by the above lender on your property located at: 1182
Greenspring Road, Newville, PA 17241-0000
IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts
are now past due:
payments in the amount of $ 1,264.23 from December 01. 2008 through January 30. 2009
DETAIL SUMMARY
Principal and Interest ................................. $ 2,011.16
Interest Anearage ..................................... $ 0.00
Escrow .................................................. $ 522.05
Late Charges ........................................... $ 150.84
Insufficient Funds Charges ........................... $ 0.00
Fees / Expenses ........................................ $ 15.96
Suspense Balance (CREDIT) ........................ $ 556.75
Interest Reserve Balance (CREDIT) ................ $ 0.00
TOTAL DUE .......................................... $ 2,143.26
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 $2,143.26, PLUS ANY MORTGAGE
PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Paventf
must he made either by Mo?p? ('ram C'nchier'c Cheek Certified Check or Money Order made dyable and sent to:
OCWEN
P.O. BOX 6440
CAROL STREAM, IL 60197-0440
- If you do not cure the default within TH YS of the date of this
-URE THE DEFAULT
D otice, . This means t a e 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 propy
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
he rtguired 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, yon still have the right to cure the defauk and prevent
sher costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any other_
Mquerements 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 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.
DACI'91.12
This communication is from a debt collector attempting to collect a debt;
any information obtained will be used for that purpose.
.._......._.
F OCWEN Loan Servicing, LLC
12650 Ingenuity Drive
I.i Orlando, Florida 32826
0C WEN
W W W.OCWEN.COM
HOW TO CONTACT THE SERVICER:
dame of Servicer: OCWEN
Address: P.O. BOX 24737
WEST PALM BEACH, FL 33416-4737
Phone Number: 800-310-9229
Fax Number: 407-737.6300
? ontact: Performing Collections Dept.
AFFECT 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 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 (3) TIMES IN ANY CALENDAR YEAR.)
TO ASSERT THE NONEXISTENCE.,. :. -DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER
LAWSUIT INSTITUTED UNDER THE T iGE 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
DACT91.12
This communication is from a debt collector attempting to collect a debt;
any information obtained will be used for that purpose.
VERIFICATION
Ilana Zion, Esquire hereby states that she is the Attorney for the Plaintiff in this
action, that she is authorized to make this Verification as the Plaintiff is outside the
jurisdiction of the Court and Plaintiff's verification could not be obtained within the time
necessary to file this pleading, and that the statements made in the foregoing Complaint
in Mortgage Foreclosure 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. §4904 relating to unworn falsification to authorities.
Dated: F- 69
SHAPIRO & DENARDO, LLC
BY: Ax 'R11 9')
Ilana Esquire
Attorne f Plaintiff
D-5
FIIIp-4-0.1 tCE T !Y
OF J! f pP ,0
1009 APR -8 Am 11: 15
CU ?p °ti'Y
?.lk"I ?t`i?J?t LYI?`A?l??•
,f?Y, Sid 1°ka,?7
cki? 3 -7 6-1
p,# ;i-a.31y5'
Sheriffs Office of Cumberland County
Sheriff Thomas Kline i?0?, k? ' of culf1j, Edward L Schorpp
R
Solicitor
Ronny R Anderson Jody S Smith
Chief Deputy orracP r,G wE?IFr Civil Process Sergeant
SHERIFF'S RETURN OF SERVICE
04/13/2009 01:35 PM - R. Thomas Kline, Sheriff who being duly sworn according to law states that he made a diligent
search and inquiry for the within named defendant to wit: Occupant at 1182 Greenspring Road, Newville,
Cumberland County, Pennsylvania, 17241, but was unable to locate him in his bailiwick he therefore
returns the within Complaint as not found as to the defendant, Occupant. Defendants Phillip Lough, Sr.
and Tamala Lough are the only residents at this address.
04/13/2009 01:35 PM - Amanda Cobaugh, Deputy Sheriff, who being duly sworn according to law, states that on April
13, 2009 at 1335 hours, she served a true copy of the within Complaint in Mortgage Foreclosure, upon the
within named defendant, to wit: Phillip Lough, Sr. by making known unto Tamala Lough, wife of defendant.
at 1182 Greenspring Road, Newville, Cumberland County, Pennsylvania, 17241, its contents and at the
same time handing to her personally the said true and correct copy of the same.
04/13/2009 01:35 PM - Amanda Cobaugh, Deputy Sheriff, who being duly sworn according to law, states that on April
13, 2009 at 1335 hours, she served a true copy of the within Complaint in Mortgage Foreclosure, upon the
within named defendant, to wit: Tamala Lough by making known unto Tamala Lough personally, at 1182
Greenspring Road, Newville, Cumberland County, Pennsylvania, 17241, its contents and at the same time
handing to her personally the said true and correct copy of the same.
SHERIFF COST: $75.80
April 14, 2009
Docket No. 2009-2210
HSBC v Phillip Lough, Sr.
SO ANSWERS,
R THOMAS KLINE, SHERIFF
plzty Sheriff
r-
PL
1 ?4
,My cr% .? 7
`-
.
- ?
T
.
1
IL
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. 09-035027
HSBC Bank USA, N.A., as Trustee on behalf
of ACE Securities Corp. Home Equity Loan
Trust and for the registered holders of ACE
Securities Corp. Home Equity Loan Trust,
Series 2007-ASAP2, Asset Backed Pass-
Through Certificates
PLAINTIFF
VS.
Phillip Lough, Sr. and Tamala Lough
DEFENDANTS
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO: 09-2210
PRAECIPE TO SUBSTITUTE VERIFICATION
TO THE PROTHONOTARY:
Kindly substitute the attached Verification to the Complaint in the above-captioned civil
action.
Respectfully Submitted,
SHAPIRO & DeNARDO, LLC
BY.
Ilana Zion, Esquire
Attorneys for Plaintiff
19.1
HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity
Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan
Trust, Series 2007-ASAP2, Asset Backed Pass-Through Certificates v. Phillip Sr. Lough
and Tamala Lough
VERIFICATION
The undersigned is Manager Ocwen Loan Servicing, LLC on behalf of HSBC
Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan
Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust,
Series 2007-ASAP2, Asset Backed Pass-Through Certificates 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, 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 on behalf
of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of ACE
Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass-
Through Certificates
Name: Kevin ackson
Title: Manag r
Company: HSBC Bank USA, N.A
09-035027
FILE&
OF THE
2009 APR 27 PM 2: 46
C ?:' s
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: (b10)278-6800
S & D FILE N0.09-035027
H5BC Bank USA, N.A., as Trustee on behalf ;
of ACE Securities Corp. Home Equity Loan
Trust and for the registered holders. of ACE
Securities Corp. Home Equity Loan Trust,
Series 2007-ASAP2, Asset Backed Pass-
Through Certificates ;
PLAINTIFF
VS.
Phillip Lough, Sr. and Tamala Lough
DEFENDANTS
,_
2Q 10 FHB - g PP~i 2 ~ ~;
~.'+P~~R. y l..l ,~j1 ~ ~y1yJ
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO: 09-2210
AMENDED AFFIDAVIT PURSUANT TO RULE 3129.1
HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity
Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust,
Series 2007-ASAP2, Asset Backed Pass-Through Certificates, 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 1182 Greenspring Road, Newville, PA 17241.
Name and address of Owner(s) or Reputed Owner(s)
Phillip Lough, Sr.
1182 Greenspring Road
Newville, PA 17241
Tamala Lough
1182 Greenspring Road
Newville, PA 17241
2. Name and address of Defendants in the judgment:
Phillip Lough, Sr.
1182 Greenspring Road
Newville, PA 17241
Tamala Lough
1182 Greenspring Road
Newville, PA 17241
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 on behalf of ACE Securities Corp. Home Equity Loan
Trust and for the registered holders of ACE Securities Corp. Home- Equity Loan Trust,
Series 2007-ASAP2, Asset Backed Pass-Through Certificates
c/o Ocwen Loan Servicing, LLC
1661 Worthington Road
West Palm Beach, FL 33415
Mark and Angie Miller
204 Milwick Rd.
Carlisle, PA 17013
4. Name and address of the last recorded holder of every mortgage of record:
HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan
Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust,
Series 2007-ASAP2, Asset Backed Pass-Through Certificates, Plaintiff
c/o Ocwen Loan Servicing, LLC
1661 Worthington Road
West Palm Beach, FL 33415
MERS Inc. as nominee for Allied Mortgage Group, Inc.
P.O. Box 2026
Flint, MI 48501
MERS Inc. as nominee for Allied Mortgage Group, Inc.
7 Bala Avenue, Ste 108
Bala Cynwyd, PA 19004
5. Name and address of every other person who has any record lien on the property:
NONE
6. Name and address of every other person who has any record interest in the property and
whose interest may be 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 may be affected by the sale:
TENANT OR OCCUPANT
1182 Greenspring Road
Newville, FA 17241
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. C ark, Esqu re
09-035027
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 N0.09-035027
FI~L)~-~;~-rlCE
f~F THE PF±~~` '~'~"~dCTARY
?Di0 FEB -9 P~~ 2~ 5~
~,, ~~
HSBC Bank USA, N.A., as Trustee on behalf
of ACE Securities Corp. Home Equity Loan
Trust and for the registered holders of ACE
Securities Corp. Home Equity Loan Trust,
Series 2007-ASAP2, Asset Backed Pass-
Through Certificates
PLAINTIFF
VS.
Phillip Lough, Sr. and Tamala Lough
DEFENDANTS
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
N0:09-2210
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 on behalf of ACE Securities Corp. Home Equity Loan Trust
and for the registered holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-
ASAP2, Asset Backed Pass-Through Certificates, 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 January 5, 2010, the originals of which are
attached and that each of said persons appears on Plaintiffs 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.
Respectfully submitted,
SHAPIRO & DeNARDO, LLC
BY: , /~~' '~/~~
Lisa Kosik
Legal Assistant
09-035027
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SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny RAnderson ;lti 1'i~,I~c+ _ '', f;~Y
Sheriff
~~t i t: ,`'r'r.
Jody S Smith 'd ~~~~ }~ ?3 f~` U: ~+~
Chief Deputy
Edward L Schorpp CUt~ - + `~~! i~(
Solicitor rr`;.;~,. ~!`.~;,!!r
HSBC Bank USA
vs.
Phillip Lough, Sr. (et al.)
Case Number
2009-2210
SHERIFF'S RETURN OF SERVICE
01/14/2010 Timothy Black, Deputy Sheriff, who being duly sworn according to law, states that on 11/12/10 at 12385
hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled
action, upon the within named defendant, to wit: Phillip Lough, Sr., by making known unto, Derrick Brinton,
Adult son, at, 33 Etter Road, Newburg, Cumberland County, Pennsylvania its contents and at the same
time handing to him personally the said true and correct copy of the same.
01/14/2010 Timothy Black, Deputy Sheriff, who being duly sworn according to law, states that on 12/28/09 at 1224
hours, he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above
entitled action, upon the property of Phillip Lough, Sr. and Tamala Lough, located at, 1182 Greenspring
Road, Newville, Cumberland County, Pennsylvania according to law.
01/14/2010 Timothy Black, Deputy Sheriff, who being duly sworn according to law, states that on 11/12/10 at 12385
hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled
action, upon the within named defendant, to wit: Tamala Lough., by making known unto, Derrick Brinton,
Adult son, at, 33 Etter Road, Newburg, Cumberland County, Pennsylvania its contents and at the same
time handing to him personally the said true and correct copy of the same.
03/03/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that after due and legal notice
had been given according to law, he exposed the within described premises at public venue or outcry at
the Courthouse, Carlisle, Cumberland County, Pennsylvania on March 3, 2010 at 10:00 o'clock A.M. He
sold the same for the sum of $1.00 to Attorney Michael Clark , on behalf of ,being the buyer in this
execution, paid to Sheriff Ronny R. Anderson, the sum of $ 1033.18
SHERIFF COST: $1,033.18
April 23, 2010
SO ANSWERS,
~~~
RON R ANDERSON, SHERIFF
~ f-,% ~~C ltd . ~
~ S~ f,ca ~~
(~,?F7SG ~`~
~'
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. 09-035027
HSBC Bank USA, N.A., as Trustee on behalf
of ACE Securities Corp. Home Equity Loan
Trust and for the registered holders of ACE
Securities Corp. Home Equity Loan Trust,
Series 2007-ASAP2, Asset Backed Pass-
Through Certificates
PLAINTIFF
VS.
Phillip Lough, Sr. and Tamala Lough
DEFENDANTS
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO: 09-2210
AFFIDAVIT PURSUANT TO RULE 3129.1
HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity
Loan Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust,
Series 2007-ASAP2, Asset Backed Pass-Through Certificates, 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 1182 Greenspring Road, Newville, PA 17241.
1. Name and address of Owner(s) or Reputed Owner(s)
Phillip Lough, Sr.
1182 Greenspring Road
Newville, PA 17241
Tamala Lough
1182 Greenspring Road
Newville, PA 17241
2. Name and address of Defendants in the judgment:
Phillip Lough, Sr.
1182 Greenspring Road
Newville, PA 17241
Tamala Lough
1182 Greenspring Road
Newville, PA 17241
v
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 on behalf of ACE Securities Corp. Home Equity Loan
Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust,
Series 2007-ASAP2, Asset Backed Pass-Through Certificates
c/o Ocwen Loan Servicing, LLC
1661 Worthington Road
West Palm Beach, FL 33415
4. Name and address of the last recorded holder of every mortgage of record:
HSBC Bank USA, N.A., as Trustee on behalf of ACE Securities Corp. Home Equity Loan
Trust and for the registered holders of ACE Securities Corp. Home Equity Loan Trust,
Series 2007-ASAP2, Asset Backed Pass-Through Certificates, Plaintiff
c/o Ocwen Loan Servicing, LLC
1661 Worthington Road
West Palm Beach, FL 33415
MERS Inc. as nominee for Allied Mortgage Group, Inc.
P.O. Box 2026
Flint, MI 48501
MERS Inc. as nominee for Allied Mortgage Group, Inc.
7 Bala Avenue, Ste 108
Bala Cynwyd, PA 19004
5. Name and address of every other person who has any record lien on the property:
NONE
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
1182 Greenspring Road
Newville, PA 17241
C
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
ma~a enhiart to the nenatr;PC of t R Pa_ C'_S_ Section 4904 relating to unsworn falsification to
IRO & DeNARDO, LLC
.el J. C ark, Esquire
SHAPIRO & DeNARDO, LLC
BY: MICHAEL J. CLARK, ESQUIlZE
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. 09-035027
HSBC Bank USA, N.A., as Trustee on behalf
of ACE Securities Corp. Home Equity Loan
Trust and for the registered holders of ACE
Securities Corp. Home Equity Loan Trust,
Series 2007-ASAP2, Asset Backed Pass-
Through Certificates
PLAINTIFF
VS.
COURT OF COMMON PLEAS
CNIL DIVISION
CUMBERLAND COUNTY
NO: 09-2210
Phillip Lough, Sr. and Tamala Lough
DEFENDANTS ;
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Phillip Lough, Sr.
1182 Greenspring Road
Newville, PA 17241
Your house (real estate) at:
1182 Greenspring Road, Newville, PA 17241
30-08-0597-058
is scheduled to be sold at Sheriffs Sale on March 3, 2010 at:
Cumberland County Sheriffs Office
1 Courthouse Square
Cazlisle, PA 17013
at 10:00AM to enforce the court judgment of $175,453.01 obtained by HSBC Bank USA, N.A.,
as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered
holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed
Pass-Through Certificates 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 HSBC Bank USA, N.A., as Trustee on
behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of
ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass-
Through Certificates the amount of the judgment plus costs or 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.
2. 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.
3.. You maybe able to stop the sale through other legal proceedings.
4. You may. need an attorney to assert your rights. The sooner you contact one, the mare
chance you will have of stopping the sale. (See notice on page two of how to obtain an
attorney.)
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE
OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE.
5. 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.
6. 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.
7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale.
To find out if this has happened you may call 717-240-6390.
8. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of
the property as if the sale never happened.
9. 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 to evict you.
10. You maybe entitled to a share of the money, which was paid for your house. A schedule
of distribution of the money bid for your house will be filed by the Sheriff no later than
thirty days after the Sheriff 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 date of filing of said schedule.
11. 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 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.
09-035027
ALL THAT CERTAIN tract of land situate in North Newton Township, Cumberland County and
Commonwealth of Pennsylvania, bounded and described in accordance with a Plan prepared by
..Rodney Lee Decker, R.P.L.S., dated June 8, 1989 and recorded in the Office of the. Recorder of
Deeds for Cumberland County in Plan Book 58, Page 109.
BEGINNING at a point in southern right of way line of PA Route 641, at corner of Lot No. 20 in
said plan; thence along Lot No. 20 South 03 degrees 26 minutes 00 seconds West 330.00 feet to
a point at Lot No. 20; thence still along Lot No. 20 North 86 degrees 34 minutes OS seconds
West T50.00 feet to a point; thence still along Lot No. 18 North 03 degrees 26 minutes 00
seconds East 330.00 feet to a point; thence along southern right of way of Pa Route 641 South 86
degrees 34 minutes OS seconds East 150.00 feet to a point the Place of BEGINNING.
CONTAINING 1.136 acres and designated as Lot 19 of North Newton Manor.
UNDER AND SUBJECT NEVERTHELESS to the following building and use restrictions
which shall be binding on the within described tract of land only and shall not be deemed
binding on other land of the Grantors, with which building and use restrictions and within
Grantees, their heirs and assigns, by acceptance of this deed agree to comply.
1. No mobile homes are permitted on any lot in this subdivision.
2. All residential structures shall have a minimum of 1200 square feet of finished living floor
area.
3. No licensed vehicles, junk yard or junk cars are permitted on any lot at any time.
4. There shall be no stockpiling of any material except firewood on any lot at any time
5. No commercial farming.
BEING THE SAME PREMISES which Benjamin F. Garman and Auralia B. Garman, husband
and wife, by Deed dated January 19, 2007 and recorded in the Cumberland County Recorder of
Deeds Office on January 30, 2007 in Deed Book 278, page 3004, granted and conveyed unto
Phillip Lough, Sr. and Tamala Lough, husband and wife.
1
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: (610)278-6800
S & D FILE NO. 09-035027
HSBC Bank USA, N.A., as Trustee on behalf
of ACE Securities Corp. Home Equity Loan
Trust and for the registered holders of ACE
Securities Corp. Home Equity Loan Trust,
Series 2007-ASAP2, Asset Backed Pass-
Through Certificates
PLAINTIFF
VS.
Phillip Lough, Sr. and Tamala Lough
DEFENDANTS
COURT OF COMMON PLEAS
CNIL DIVISION
CUMBERLAND COUNTY
N0: 09-2210
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Tamala Lough
1182 Greenspring Road
Newville, PA 17241
Your house (real estate) at:
1182 Greenspring Road, Newville, PA 17241
30-08-0597-058
is scheduled to be sold at Sheriff s Sale on March 3, 2010 at:
Cumberland County Sheriffs Office
1 Courthouse Square
Carlisle, PA 17013
at 10:00AM to enforce tl"ie court judgment of $175,453.01 obtained by HSBC Bank USA, N.A.,
as Trustee on behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered
holders of ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed
Pass-Through Certificates 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:
1. The sale will be cancelled if you pay back to HSBC Bank USA, N.A., as Trustee on
behalf of ACE Securities Corp. Home Equity Loan Trust and for the registered holders of
ACE Securities Corp. Home Equity Loan Trust, Series 2007-ASAP2, Asset Backed Pass-
Through Certificates the amount of the judgment plus costs or 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.
2. 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.
3. You maybe able to stop the sale through other legal proceedings.
4. 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.)
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE
OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE.
5. 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.
6. 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.
7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale.
To find out if this has happened you may ca11717-240-6390.
8. If-the amount due from the buyer is not paid to the Sheriff, you will remain the owner of
the property as if the sale never happened.
9. 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 to evict you.
10. You maybe entitled to a share of the money, which was paid for your house. A schedule
of distribution of the money bid for your house will be filed by the Sheriff no later than
thirty days after the Sheriff 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 date of filing of said schedule.
11. You may also have other rights and defenses or ways of getting your house back, if you
act imrriediately 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 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.
09-035027
a
ALL THAT CERTAIN tract of land situate in North Newton Township, Cumberland County and
Commonwealth of Pennsylvania, bounded and described in accordance with a Plan prepared by
Rodney Lee Decker, R.P.L.S., dated .June 8, 1989. and recorded in the Office of the Recorder of
Deeds for Cumberland County in Plan Book 58, Page 109.
BEGINNING at a point in southern right of way line of PA Route 641, at corner of Lot No. 20 in
said plan; thence along Lot No. 20 South 03 degrees 26 minutes 00 seconds West 330.00 feet to
a point at Lot No. 20; thence still along Lot No. 20 North 86 degrees 34 minutes OS seconds
West 150.00 feet to a point; thence still along Lot No. 18 North 03 degrees 26 minutes 00
seconds East 330.00 feet to a point; thence along southern right of way of Pa Route 641 South 86
degrees 34 minutes OS seconds East 150:00 feet to a point the Place of BEGINNING.
CONTAINING 1.136 acres and designated as Lot 19 of North Newton Manor.
UNDER AND SUBJECT NEVERTHELESS to the following building and use restrictions
which shall be binding on the within described tract of land only and shall not be deemed
binding on other land of the Grantors, with which building and use restrictions and within
Grantees, their heirs and assigns, by acceptance of this deed agree to comply.
1. No mobile homes are permitted on any lot in this subdivision.
2. All residential structures shall have a minimum of 1200 square feet of finished living floor
area.
3. No licensed vehicles, junk yard or junk cars are permitted on any lot at any time.
4. There shall be no stockpiling of any material except firewood on any lot at any time
5. No commercial farming.
BEING THE SAME PREMISES which Benjamin F. Garman and Auralia B. Garman, husband
and wife, by Deed dated January 19, 2007 and recorded in the Cumberland County Recorder of
Deeds Office on January 30, 2007 in Deed Book 278, page 3004, granted and conveyed unto
Phillip Lough, Sr. and Tamala Lough, husband and wife.
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 09-2210 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 on behalf of ACE
SECURITIES CORP. HOME EQUITY LOAN TRUS and for the registered holders of ACE
SECURITIES CORP. HOME EQUITY LOAN TRUST, SERIES 2007-ASAP2, ASSET BACKED
PASS-THROUGH CERTIFICATES, Plaintiff (s)
From PHILLIP LOUGH, SR and TAMALA LOUGH
(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 $175,453.01 L.L. $.50
Interest from 10/6/09 to 3/3/10 -- $4,389.09
Atty's Comm % Due Prothy $2.00
Atty Paid $194.80 Other Costs
Plaintiff Paid
Date: 10/7/09
C!;, „ )
Curtis R. L ng, Prothonot 'fir'/
(Seal)
Deputy
REQUESTING PARTY:
Name: MICHAEL J. CLARK, ESQUIRE
Address: SHAPIRO & DeNARDO, LLC
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
Attorney for: PLAINTIFF
Telephone: 610-278-6800
Supreme Court ID No. 202929
On October 27, 2009 the Sheriff levied upon the
defendant's interest in the real property situated in
North Newton Township, Cumberland County, PA,
Known and numbered as 1182 Greenspring Road,
Newville, more fully described on Exhibit "A"
filed with this writ and by this reference incorporated herein.
Date: October 27, 2009
By:
i ,r~
~ r~~~~ ~-
R al tote oor orator ~--
".1
~~~~~~
!. ~ , _._ : ~, ,1
PROOF OF PUBLICATION OF NOTICE
IN CUMBERLAND LAW JOURNAL
(Under Act No. 587, approved May 16, 1929), P. L.1784
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
ss.
Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and
State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law
Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid,
was established January 2, 1952, and designated by the local courts as the official legal
periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly
issued weekly in the said County, and that the printed notice or publication attached hereto is
exactly the same as was printed in the regular editions and issues of the said Cumberland Law
Journal on the following dates,
viz:
January 22, January 29, and Febru 5, 2010
Affiant further deposes that he is authorized to verify this statement by the Cumberland
Law Journal, a legal periodical of general circulation, and that he is not interested in the subject
matter of the aforesaid notice or advertisement, and that all allegations in the foregoing
statements as to time, place and character of publication are true.
( Liyba Marie Coyne, Editor /
SWORN TO AND SUBSCRIBED before me this
5 day of February, 2010
J'~ ' ~ ,'~~/ GAL • ~~~-G21~/
~~ `
Notary ,,-~ ~'
NOTARIAL SEAL
DE80RA~d A COLLINS
Notary Pu':~iic
CARLISLE BORO, CUMB[RLAND COUNTY
My Commission Expires Apr 28, 2010
wit xo. zo z iz9o o ci.-u
HSBC Bank USA National
Association, As Trustee for Wells
Fargo Home Equity Trust 2005-3
vs.
Phillip Lough, Sr.
Tamala Lough
Atty: Michael Clark
ALL THAT CERTAIN tract of land
situate in North Newton Township,
Cumberland County and Common-
wealth of Pennsylvania, bounded
and described in accordance with a
Plan prepared by Rodney Lee Decker,
R. P. L.S., dated June 8,1989 and re-
cordedin the Office of the Recorder
of Deeds for Cumberland County in
Plan Book 58, Page 109.
BEGINNING at a point in southern
right of way line of PA Route 641,
at corner of Lot No. 20 in said plan;
thence along Lot No. 20 South 03
degrees 26 minutes 00 seconds West
330.00 feet to a point at Lot No. 20;
thence still along Lot No. 20 North 86
degrees 34 minutes 05 seconds West
150.00 feet to a point; thence still
along Lot No. 18 North 03 degrees
26 minutes 00 seconds East 330.00
feet to a point; thence along southern
right of way of Pa Route 641 South
86 degrees 34 minutes 05 seconds
East 15ft00 feet to a point the Place
of BEGINNING.
CONTAINING 1.136 acres and
designated as Lot 19 of North Newton
Manor.
UNDER AND SUBJECT NEVER-
THELESS to the following building
and use restrictions which shall be
binding on the within described tract
of land only and shall not be deemed
binding on other land of the Grant-
ors, with which building and use re-
strictionsand within Grantees, their
heirs and assigns, by acceptance of
this deed agree to comply. 1. No mo-
bile homes are permitted on any iot
in this subdivision. 2. All residential
structures shall have a minimum of
1200 square feet of finished living
floor area. 3. No licensed vehicles,
junk yard or junk cars are permitted
on any lot at any time. 4. There shall
be no stockpiling of any material ex-
cept firewood on any lot at any time
5. No commercial fazming.
BEING THE SAME PREMISES
which Benjamin F. Garman and Au-
ralia B. Garman, husband and wife,
by Deed dated January 19, 2007 and
recorded in the Cumberland County
Recorder of Deeds Office on January
30, 2007 in Deed Book 278, page
3004, granted and conveyed unto
Phillip Lough, Sr. and Tamala Lough,
husband and wife.
PROPERTY ADDRESS: 1182
Greenspring Road, Newville, PA
17241.
The Patriot-News Co.
812 Market St.
Harrisburg, PA 17101
Inquiries - 717-255-8213
CUMBERLAND CO. SHERIFFS OFFICE
CUMBERLAND COUNTY COURT HOUSE
CARLISLE PA 17013
~e~latriot News
NOw you know
THE PATRIOT NEWS
THE SUNDAY PATRIOT NEWS
Proof of Publication
Under Act No. 587, Approved May 16, 1929
Commonwealth of Pennsylvania, County of Dauphin} ss
Marianne Miller, being duly sworn according to law, deposes and says:
That she is a Staff Accountant of The Patriot News Co., a corporation organized and existing under the laws of the
Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of
Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News
newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that
The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and
all have been continuously published ever since;
That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular
daily and/or Sunday/ Metro editions which appeared on the date(s) indicated below. That neither she nor said Company is
interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time,
place and character of publication are true; and
That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on
behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the
stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds
in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317.
PUBLICATION COPY This ad ran on the date(s) shown below:
01 /22/10
01 /29110
02/05/10
i
,~
Sworn to an~~bscribed before me is 2~day of February, 2010 A.D.
otary Public
COMMONWEALTH QF PENNSYLVANIA
Notarial Seal
Sherrie L I~Cisner, Natary Public
City OF Harr~bu!g, Dauphin County
My Comniissian Expires Nov. 26, 2011
futember, Penes)~Ivania Association of Notaries
Da,cket Numb~:,2009-221,4 Civil
Term
HSBC B#nk USA National
Asspciatlon, As Truatee for
Wells Fargo .
Home EqultyTrust 2005-3
VS.. ~~r
Phillip Lough, Sr.
Tamala Lough ;,
Attyk Michael Clerk
AI;L THAT CERTAIN tract of land situate in
p1oAn..Alewtaa Toyvnship, Cumberjand_ County
asd C~ of Pamiyl~~nn, a
deru+bod' ie aceecG ~ a ~
luxe )i,I9E9 a~ rc~dled~ !h dfficc of ~
Recorder of Deeds for Cumberland County ui
Plan Book 58, Page 109. $EGINNING at a
point in southern right of way line of PA Route
641,'at comer of Lot No. 20 iu said plan; thence
along Lot No. 20 South 03 degrees 26 minutes
00 seconds West 330.00 feet to a point at Lot
No. 20•, thence still along Lot No. 20 North 86
degrees 34 minutes OS seconds West 150.00 feet
to a point; thence still along Lot No. l8 North 03
degrees 26 minutes 00 seconds East 330.00 feet
to a point; thence along southern right of way of
Pa Route 641 South 86 degrees 34 minutes OS
seconds East 15ft00 feet to a point the Place of
BEGINNING.
CONTAINING 1.136 acres and designated as
Lot 19 of North Newton Manor. UNDER AND
SUBJECT' NEVERTfIELESS to tbe following
building and use estrictions which shall be
binding on the within .described tract of land
only. and shall not be dcemed binding on other
land of the Grantors, with which building and
use restrictions and withip Grantees, their heirs
and assigns, by acceptance of this~deed agree to
comply. L No mobile homes aze permitted on
any lot in this. subdivision. 2. All residential
sttuctures shall have a minimum of 1200 square
feet of finished living floor azea. 3. No licensed
vehicles, Junk Yard or junk cars are permitted on
any.. loY at any 6me. 4: 'There shall be no
stockpiling of any material except firewood 6n
any lot at any time 5. No commercial farming.
BEING T'ilE `SAME PREMISES which
Benjamin F. Garman and Auralia B: Garman,
husband and wife, by Deed dated January 19,
2007 and reeorded is the Cumberland County
Recorder of Deeds Gffice on January 30,
2007 in Dead Book 278, Page 3004, granted and
conveyed unto Philip Lough, Sr. and Tamala
Lough, husband and wife.
PROPERTY ADDRESS; .1182 Greeaspring
Road, Newville, PA 171A1
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
} SS:
I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that
the Sheriff s Deed in which ACE SECURITIES CORP HOME EQUITY LOAN TRUST 2007-ASAP2
TR is the grantee the same having been sold to said grantee on the 3RD day of MARCH A.D., 2010,
under and by virtue of a writ Execution issued on the 7TH day of OCT, A.D., 2009, out of the Court of
Common Pleas of said County as of Civil Term, 2009 Number 2210, at the suit of ACE SECURITIES
CORP HOME EQUITY LOAN TRUST SERIES 2007-ASAP2 TR against PHILLIP LOUGH SR &
TAMALA LOUGH is duly recorded as Instrument Number 201010264.
IN TESTIMONY WHEREOF, I have hereunto set my hand
and seal of said office this ~ ~ day of
~ Recd~der of Deeds
ion~6~6reQ ~ ~ ~~