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HomeMy WebLinkAbout04-2322 UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 Plaintiff ATTORNEY FOR PLAINTIFF . . COURT OF COMMON PLEAS : CIVIL DIVISION . : Cumberland County v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 Defendant(s) : NO. 04 - a3:2.;1... (LtC I~ COMPLAINT IN MORTGAGE FORECLOSURE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYERS REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita 0 en persona 0 con un abogado y entregar a la corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra de su persona. Sea avisado que si usted no se dafiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previa aviso 0 notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero 0 SUS propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO o SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address ofthe original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. UDREN LAW OFFICES, P.c. /s/ Mark J. Udren, Esquire Woodcrest Corporate Center 111 Woodcrest Road, Suite 200 Cherry Hill, NJ 08003-3620 (856) 669-5400 1. plaintiff is the Corporation designated as such in the caption on a preceding page. If Plaintiff is an assignee then it is such by virtue of the following recorded assignments: Assignor: N/A Assignments of Record to: N/A Recording Date: N/A 2. Defendant(s) is the individual designated as such on the caption on a preceding page, whose last known address is as set forth in the caption, and unless designated otherwise, is the real owner(s) and mortgagor(s) of the premises being foreclosed. 3. On or about the date appearing on the Mortgage hereinafter described, at the instance and request of Defendant(s), Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned to the Defendant (s) the sum appearing on said Mortgage, which Mortgage was executed and delivered to Plaintiff as security for the indebtedness. Said Mortgage is incorporated herein by reference in accordance with Pa.R.C.P. 1019 (g). The information regarding the Mortgage being foreclosed is as follows: MORTGAGED PREMISES: 5141 S. Deerfield MUNICIPALITY/TOWNSHIP/BOROUGH: Hampden COUNTY: Cumberland DATE EXECUTED: OS/25/01 DATE RECORDED: 06/04/01 BOOK: 1713 Avenue Township PAGE: 1105 The legal description of the mortgaged premises is attached hereto and made part hereof. 4. Said Mortgage is in default because the required payments have not been made as set forth below, and by its terms, upon breach and failure to cure said breach after notice, all sums secured by said Mortgage, together with other charges authorized by said Mortgage itemized below, shall be immediately due. 5. After demand, the Defendant (s) continues to fail or refuses to comply with the terms of the Mortgage as follows: (a) by failing or refusing to pay the installments of principal and interest when due in the amounts indicated below; (b) by failing or refusing to pay other charges, if any, indicated below. 6. The following amounts are due on the said Mortgage as of 03/26/04: Principal of debt due Unpaid Interest at 11.05% from 11/01/03 to 03/26/04 (the per diem interest accruing on this debt is $87.11 and that sum should be added each day after 03/26/04) Title Report Court Costs (anticipated, excluding Sheriff's Sale costs) Escrow Overdraft/(Balance) (The monthly escrow on this account is $291.69 and that sum should be added on the first of each month after 03/26/04) Late Charges (monthly late charge of $167.02 should be added in accordance with the terms of the note each month after 03/26/04) Other Fees Due Attorneys Fees (anticipated and actual to 5% of principal) $287,754.13 12,863.94 250.00 280.00 (1,315.70) 668.08 1. 66 TOTAL 14,387.71 $314,889.82 7. The attorney's fee set forth above are in conformity with the mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff's Sale. If the mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged in accordance with the reduction provisions of Act 6, if applicable. 8. The combined notice specified by the Pennsylvania Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983 and Notice of Intention to Foreclose under Act 6 of 1974 has been sent to each defendant, via certified and regular mail, in accordance with the requirements of those acts, on the date appearing on the copy attached hereto as Exhibit "A", and made part hereof, and defendant(s) have failed to proceed within the time limits, or have been determined ineligible, or Plaintiff has not been notified in a timely manner of Defendant(s) eligibility. the WHEREFORE, Defendant(s) the Plaintiff demands judgment, in rem, against herein in the sum of $314,889.82 plus interest, costs and attorneys fees as more fully set forth in the Complaint, and for foreclosure and sale of the Mortgaged premises. Mark J. U~". QU E UDREN LAW OF:iICES, P. C. Attorney for plaintiff Attorney I.D. No. 04302 " ., ,a ALL THAT CERTAIN tmct or parcel ofland and premises. situate. lying and being in Hampden Township; in the County of Cumberland and Commonwealth ofPcnnsylvania, more particularly described as Iblrows: BEGINNING at a point on the eastern right-ot:way line of South Deerlield Avenue (50.00 leet wide). said point being located at the southwestern comer of Lot No. 17 (Phase I); thence along the southern boundary line of Lot No. 17 North 85 degrees 46 minutes 53 seconds East, tbr a distance of 105.00 feet. to a point at the northwestern corner of Lot No. 15: thence along the western boundary line of Lot No. 15 South 14 degrees 13 minutes 07 seconds East. for a distance of 105.00 teet, to a point on the northern right-ot:way line of Joshua Road (50.00 feet wide); thence South 75 degrees 46 minules (erroneously stated in prior deed as 45 minutes) 53 seconds West. for a distance 01'94.29 tee!, to a point on the arc of a circle curving te the right, having a radius of25.00 feet, and an arc length of41.361eet to a point on the eastern right-ot:way line of South Deerfield Avenue (50.00 teet wide); thence along said right-of-way line on the arc ofa circle curving to the right, having a radius 01'300.00 feet, and an arc length 01'25.02 teet, to a point; thence North 04 degrees 13 minutes 07 setond West. for a distance ,01'72.44 feet. to a point the place of BEGINNING. ------...-------.,.-- February 03, 2004 Edward A Thomas Ceceila G Thomas 5141 S Deerfield Ave Mechanicsburg, PA 17050.2496 Homeowners Name: Edward A Thomas Ceceila G Thomas Property Address: 5141 S Deerfield Ave, Mechanicshurg PA 17050 Loan Account No.: 0004480299 Original Lender: OPTION ONE Current Lender/Servicer: Option One Mortgage Corporation 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 MAYBE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: * IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, * IF YOU HA VB A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND * IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE. Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face.to.face" meeting with one of the designated Consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (33) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE EXHIBIT A YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. OP171 Re: Loan No. 0004480299 CONSUMER CREDIT COUNSELING AGENCIES. If you meet with one of the consumer credit counseling agencies listed at the end of this Notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice, or you may contact HUD directly at 800.569-4287 or visit the BUD website at www.hud.gov/offices/hsglsfblhcclbccprof14.cfm.Itis only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE. Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. OPI71 Re: Loan No. 0004480299 ********************************************************************** NOTE: IF YOU ARE CURRENTLY PROTECfED BY THE FILING OF A PETmON 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 hankruptcy, you can still apply for Emergency Mortgage Assistance.) ********************************************************************** HOW TO CURE YOUR MORTGAGE DEFAULT (BRING IT UP TO DATE). NATURE OF THE DEFAULT. The MORTGAGE debt held by the above lender on your property located at: 5141 S Deerfield Ave, Mechanicsburg P A 17050 IS SERIOUSLY IN DEFAULT because: A. YOU HA VB NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: (a) Monthly payments: I MONTHS @ $ 3,306.15 2 MONTHS @ $ 3,075.39 $ 9456.93 (b) Previous late charges; $ 334.04 (c) Other charges; Escrow, Inspection, NSF checks $ 1.66 (d) Other provisions of the mortgage obligation, if any $ (e) TOTAL AMOUNT OF (a) (b) and (c) REQUIRED AS OF THIS DATE $ 9792.63 B. YOU HA VB FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): HOW TO CURE THE DEFAULT. You may cure the default within thirty (30) days of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER WHICH IS $9792.63, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and send to: Overnight Mail Address Western Union Quick Collect 3 Ada Irvine, Ca. 92618 Pay to: Option One Mortgage Corporation Code City: Option, Ca You can cure any other default by taking the following action within thirty (30) days of the date of this letter. (Do not use if not (applicable.) OPI72 Re: Loan No. 0004480299 IF YOU DO NOT CURE THE DEFAULT. If you do not CUTe the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to payoff the rnortgage debt. If the lender refers your case to its attorneys, but you CUTe the delinquency before the lender brings legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES. The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE. If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately (7) SEVBN Months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. OP173 Re: Loan No. 0004480299 HOW TO CONTACT THE LENDER: Name of Lender: Option One Mortgage Corporation Address: 7515 Irvine Center Drive Attn: Ed Turner Address: Irvine, CA. 92618 Phone Number: 800-326-1500, Ext. 48004 Fax Number: 949-784-6033 Contact Person: Ferdinand Lim Office hours: Monday through Thursday 8:00 a.m. to 8:00 p.m. Friday 8:00 a.m. to 5:00 p.m. EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You mayor X may not (CHECK ONE) sell or transfer your home to a huyer 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 HA VB THE RIGHT TO: * TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF THIS DEBT. * TO HAVB THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. * TO HA VB THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURED THE DEFAULT. (HOWEVBR, YOU DO NOT HA VB THIS RIGHT TO CURE YOUR DEFAULT MORE THAT THREE TIMES IN ANY CALENDAR YEAR.) * TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. * TO ASSERT ANY OTHER DEFENSE YOU BELIEVB YOU MAY HAVE TO SUCH ACTION BY THE LENDER. * TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS DOES NOT IMPLY THAT OPTION ONE IS ATTEMPTING TO COLLECT MONEY FROM ANYONE WHOSE DEBT HAS BEEN DISCHARGED UNDER THE BANKRUPTCY LAWS OF THE UNITED STATES. OP174 V E R I F I CAT ION Mark J. Udren, Esquire, hereby states that he is the attorney for the Plaintiff, a corporation unless designated otherwise; that he is authorized to take this Verification and does so because of the exigencies regarding this matter, and because Plaintiff must verify much of the information through agents, and because he has personal knowledge of some of the facts averred in the foregoing pleading; and that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief and the source of his information is public records and reports of plaintiff's agents. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Mark J. Udren SQ UDREN LAW OFFICES, \ifl~ ........ ....... ~ is ~ 0 ~~~ ~ ~ ..,~:; C) .-., .--< -, .,-=,1 i : - i ~-., ,- \.._.' 8 -, , . , SHERIFF'S RETURN - REGULAR CASE NO: 2004-02322 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND OPTION ONE MORTGAGE VS THOMAS EDWARD A ET AL BRIAN BARRICK , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE THOMAS EDWARD A was served upon the DEFENDANT at 2105:00 HOURS, on the 26th day of May 2004 at 5141 SOUTH DEERFIELD AVE MECHANICSBURG, PA 17050 CECEILA THOMAS, WIFE by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 7.59 .00 10.00 .00 35.59 Sworn and Subscribed to before me this )~ day of ~ ;lIJo i A.D. il.... (j ~ - ~th~notary I ~ So Answers: .~~~~~ R. Thomas Kline OS/27 /2004 UDRBNB~' om~$, ~ Deputy Sheriff SHERIFF'S RETURN - REGULAR CASE NO: 2004-02322 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND OPTION ONE MORTGAGE VS THOMAS EDWARD A ET AL BRIAN BARRICK Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, was served upon says, the within COMPLAINT - MORT FORE the THOMAS CECEILA G AKA CECILIA G THOMAS DEFENDANT , at 2105:00 HOURS, on the 26th day of May , 2004 at 5141 SOUTH DEERFIELD AVE MECHANICSBURG, PA 17050 CECEILA THOMAS by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 6.00 .00 .00 10.00 .00 16.00 Sworn and Subscribed to before me this JAf day of 2t ,;J..rm 'I A. D. Q. /Jv;R~ ~ Prothonotary So Answers: -r'~~,;~ R. Thomas Kline OS/27/2004 UDREN LAW OFFICES J By: ~1Il~ Deputy Sheriff Our File No. 51062404 ATTORNEY FOR DEFENDANT Edward A. Thomas, Esquire, 1.0. 54B69 P.O. Box 7277 Mechanicsburg, PA 1050 (443) 744-9809 --------------------------------X COURT OF COMMON PLEAS COUNTY OF CUMBERLAND Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 Plaintiff Civil Division VS. NO. 04-2322 Civil Term Edward A. THOMAS Cecelia G. Thomas 5141 S. Deerfield AVE. MECHANICSBURG, PA 17050 Defendants ---------------------------------X Answer Denying Averment Due to the Fact that Defendants have Filed Chapter 7 Bankruptcy Listing the Property in Question and is awaiting the Federal Bankruptcy Trustee's Determination. Defendants have timely filed Chapter 7 Bankruptcy as of March 12, 2004 Case Number 1-04-01496 listing the property in question as an asset. Hearing on the Bankruptcy filing was held before the Bankruptcy Trustee on May 12, 2004. The Federal Bankruptcy Trustee's determination is being awaited. This matter is, therefore, not yet ripe for litigation in this court. WHEREFORE, Defendantsare rejecting Plaintiff's demand judgment, in rem, for the sum of $314,889.82 plus interest, costs, attorneys fees and foreclosure and sale of the Mortgaged premises. Dated: June 14, 2004 Edward A. Thomas By: ~~~-:- ~~ Edward A. Thomas, Esqui~ Attorney 1.0. 54869 Attorney for Defendants o c~ -.~ [t{r~:, .-";,./ c) :<~. 5~c; .~~ ~ ...., .-" "" <= <= -"" , ~ ...~ ~ X.." n,_ r- :arYl 02; t" -':--~( j"- ..,.. r;.:!l "';0 Om S:.' ~'J -< .c- " ::is; .r.- UDREN LAW OFFICES. P.C. BY: Mark J. Udren. ESquire ATTY I.D. NO. 04302 WOOD CREST CORPORATE CENTER 111 WOODCREST ROAD. SUITE 200 CHERRY HILL. NJ 08003-3620 856-669-5400 option One Mortgage corporation M?TORNEY FOR PLAINTIFF plaintiff i COURT OF COMMON PLEAS i CIVIL DIVISION \ cumberland County \NO. ,.."" Civil Tevrn v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas Defendant(s) PRAECIPE TO SUBSTITUTE VERIFICATION TO THE PROTHONOTARY: Kindly substitute the attached Verification for the Verification attached to the Complaint in Mortgage Foreclosure with regard to the captioned matter. UDREN LAW OFFICES, P.C. DATED: June 29, 2004 BY: 1/ ~, Ud en, Esquire Attorney for plaintiff V E R I F I CAT ION The undersigned, an officer of the Corporation which is the Plaintiff in the foregoing Complaint or an officer of the Corporation which is the servicing agent of Plaintiff, and being authorized to make this verification on bE!half of the Plaintiff, hereby verifies that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the mortgage held by Plaintiff in the ordinary course of business and that those information and belief of the undersigned. facts are true and correct to the be,;t of the knowledge, The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Date: AknJOY / I ~ () ~~~ Name: Title: LoraA.Sattler Company: Sr. Legal ActioD Speeialllt OptiOD o.e Mortgage Corp. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas Loan #0004480299 MJU #04030530 . ..htl$r. ,,, 'u....1 ~ ',ill i'q (f~j.~')J.. h''l~J 1~ .(l-\" '~:.n-~\ t,ttJ'.UI') Ol-lt.-,O o ~ ri*~ ~;~} :::> ',-,;:' ~:,;' ~:~:-: ~;~~ ~ -< ,..., = = .r- '- c:: r- I ..... ~ ..... ::C:-n [llp -om ~6 :r: :p Qcj (jl~n ::4 ,1'':; .~ -< -0 ::l:: r:-;> o a:> UDREN LAW OFFICES, P.C. BY: MARK J. UDREN, ESQUIRE ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Option One Mortgage Corporation ATTORNEY FOR PLAINTIFF Plaintiff . : COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas : NO. 04-2322 Civil Term Defendants MOTION FOR SUMMARY JUDGMENT Plaintiff, Option One Mortgage Corporation, by its Attorney, Mark J. Udren, Esquire, respectfully requests your Honorable Court to enter an Order granting Summary Judgment in the above-captioned matter for the following reasons; I. There are no genuine issues as to any material fact, and therefore, Plaintiff (moving party) is entitled to Judgment as a matter oflaw. 2. Defendants, Edward A. Thomas and Ceceila G. Thomas a/k/a Cecilia G. Thomas, filed a response to the Complaint in which Defendants effectively admitted all of the allegations in the Complaint. 3. At the time of this pleading, Defendants owned the premises being foreclosed without making a mortgage payment for an excessive period oftime. 4. Defendants effectively admit all of the averments in the Complaint, thereby admitting, inter alia, that Defendants are the real owners and mortgagors of the within mortgaged property; that the subject Mortgage is in default; and, that the Plaintiff complied with the statutory pre-foreclosure Notice requirements. Such admissions allow the Court to grant Plaintiffs Motion for Summary Judgment. 5. To the extent Defendants purport to deny, in whole or in part, specifically or by necessary implication the averments contained in the Complaint, in reality, said denials are improper and should be deemed as admissions for the reasons set forth in the attached Memorandum of Law. 6. The Pennsylvania pre-foreclosure Act 6 Notice is not required as the Defendants' original principal balance on the Mortgage is greater than $50,000.00. 41 P.S. Section 101, et sea. See Exhibit "A" attached hereto (Mortgage). 7. Plaintiff complied with the Pennsylvania pre- foreclosure Notice requirements of Act 91 (35 P.S. Section 1680AOlc, et sea.). 8. Plaintiff has an express contractual right pursuant to the terms ofthe Mortgage to charge the Defendants attorney's fees as a consequence of the initiation of the within action in Mortgage Foreclosure. 9. In addition to the amounts due and owing as set forth in the Complaint, additional sums have accumulated since the filing of the Complaint, pursuant to the terms of the Mortgage. The total amounts due and owing, which sums can be calculated from the face of the Complaint, are as follows: Principal of debt due and unpaid $287,754.13 Interest at 11.05% from 11/1/03 to 9/15/04 (the per diem interest accruing on this debt is $87.11 and that sum should be added each day after 9/15/04) 27,876.69 Title Report 250.00 Court Costs (anticipated, excluding Sheriff's Sale costs) 280.00 Escrow Overdraft/Balance (the monthly escrow on this account is $291.69 and that sum should be added on the first of each month after 9/15/04) 2,631.03 Late Charges 668.08 Other Fees Due 1.66 Attorney's Fees (anticipated and actual to 5% of principal) 14.387.71 TOTAL $333,849.30 WHEREFORE, Plaintiff respectfully requests that the Honorable Court grant its Motion for Summary Judgment, and that Judgment be entered, in rem, as prayed for in the Complaint in favor of the Plaintiff and against the Defendants, Edward A. Thomas and Ceceila G. Thomas alk!a Cecilia G. Thomas, in the amount of$333,849.30, together with ongoing per diem interest, escrow advances, and any additional recoverable costs to date of Sheriff's Sale; and for foreclosure and sale of the mortgaged property. Respectfully submitted, UDREN L~.YV pF ES P.C. By; Mark J. U e, quire Attorney for P.aintiff/Movant UDREN LAW OFFICES, P.C. BY: MARKJ. UDREN,ESQUlRE A TTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Plaintiff . : COURT OF COMMON PLEAS : CNIL DIVISION : Cumberland County Option One Mortgage Corporation v. Edward A. Thomas Ceceila G. Thomas aIkIa Cecilia G. Thomas . : NO. 04-2322 Civil Term Defendants PLAINTIFF'S BRIEF IN SUPPORT OF MOTION FOR SUMMARY JUDGMENT I. STATEMENT OF FACTS Plaintiff filed the instant action in Mortgage Foreclosure against the Defendants for their failure to make mortgage payments pursuant to a Mortgage entered into between the parties. A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A". Defendants commenced a Chapter 7 bankruptcy proceeding on March 12, 2004, in response to which Plaintiffplaced its foreclosure action on hold. The U.S. Bankruptcy Court, Middle District of Pennsylvania, granted Plaintiffs Motion for Relief from the Stay on May 6, 2004. A true and correct copy of the Court docket (Case No. 04-01496) is attached hereto and marked as Exhibit "BOO. II. STATEMENT OF THE OUESTlON INVOLVED Where there are no genuine issues as to any material fact, should Summary Judgment in Mortgage Foreclosure, as a matter oflaw, be granted in Plaintiff's favor where the Defendants herein are in default oftheir Mortgage for failure to make payments for an excessive period of time? III. ARGUMENT Pursuant to Pa.R.C.P. 1035.1, et seq., "Motion for Summary Judgment", any party may move for Summary Judgment in whole or in part as a matter oflaw after the relevant pleadings are closed, but within such time as not to unreasonably delay the trial, whenever there is no genuine issue of any material fact as to a necessary element of the cause of action .... Pa.R.C.P. 1035.2. The relevant pleadings herein are closed and, therefore, Plaintiff moves for Summary Judgment. Pa.R.C.P. 1035.3 provides further with regard to Summary Judgment; (a) The adverse party may not rest upon the mere allegations or denials of the pleadings but must file a response within thirty days after service of the motion... (d) Summary Judgment may be entered against a party who does not respond. In the "Note" to Pa.R.c.P. "Rule 1035.2 Motion", it is stated that: Partial Summary Judgment, interlocutory in character, may be rendered on one or more issues of liability, defense or damages. Defendants essentially admit the material facts set forth in Plaintiff's Complaint, which include, inter alia, the existence of the loan evidenced by the Note and Mortgage executed by the Defendants; that after demand, Defendants failed, and continue to fail, to comply with the terms of the Mortgage, including payment thereof, for an excessive period of time; and that Defendants are in default of the Mortgage. Defendants' Mortgage account is due contractually for the period December 2003 to date, a period often (10) months to the time of filing of this Motion. Thus, Defendants are essentially living in the mortgaged premises for free. As a result of Defendants' nonperformance, the present action was filed, and, as ofthis date, Defendants have failed to bring the account current. RULE 1029. DENIALS. EFFECT OF FAILURE TO DENY. (a) A responsive pleading shall admit or deny each averment of fact in the preceding pleading or any part thereof to which it is responsive. A party denying only a part of an averment shall specity so much of it as is admitted and shall deny the remainder. Admissions and denials in a responsive pleading shall refer specifically to the paragraph in which the averment admitted or denied is set forth. (b ) Averments in a pleading to which a responsive pleading is required are admitted when not denied specifically or by necessary implication. A general denial or a demand for proof, except as provided by sub-division (c)... of this rule, shall have the effect of an admission. (c) A statement by a party that after reasonable investigation the party is without knowledge or information sufficient to form a belief as to the truth of an averment shall have the effect of a denial. Note: Reliance on sub-division @ does not excuse a failure to admit or deny a factual allegation when it is clear that the pleader must know whether a particular allegation is true or false. See Cercone v. Cercone, 254 Pa.Super. 381, 386 A.2d 1 (1978). (Subsections I 029( d) and I 029( e) have been omitted for the purposes of the within Motion only). It is clear that Defendants' response to the Complaint is a misuse of the provisions of Pa.R.c.P. 1029. Misuse of Rule 1029 is an admission, and such an admission will support Summary Judgment. Defendants did not even try to comply with Pa.R.C.P. 1029(a), and their "Answer" patently violates the mandates of this Rule. Furthermore, pursuant to Pa.R.C.P. 1029(b), by failing to deny specifically or by necessary implication paragraphs I through 8 of the Complaint, Defendants have admitted these averments. First Wisconsin Trust Co. v. Strausser, 439 Pa.Super. 192,653 A.2d 688 (1995); New York Guardian Mortgage Corp. v. Dietzel, 362 Pa.Super. 426, 524 A.2d 951 (1987). Defendants' "Answer" effectively admits all of the averments in the Complaint, thereby admitting, inter alia, that Defendants are the real owners and mortgagors of the within mortgaged property; that the subject Mortgage is in default; and, that the Plaintiff complied with the statutory pre-foreclosure Notice requirements. Such admissions allow the Court to grant Plaintiff's Motion for Summary Judgment. Defendants purport to deny the averments contained in the Complaint by simply claiming that "Defendants have timely filed Chapter 7 Bankruptcy...listing the property in question as an asset", that the "Federal Bankruptcy Trustee's determination is being awaited" and that the matter is "not yet ripe for litigation". Plaintiff acted appropriately in its dealings with the Defendants and complied with all relevant laws, rules and regulations. As discussed hereinabove, Defendants commenced a Chapter 7 bankruptcy proceeding on March 12,2004, in response to which Plaintiff placed its foreclosure action on hold. The U.S. Bankruptcy Court, Middle District of Pennsylvania, granted Plaintiffs Motion for Relief from the Stay on May 6, 2004. See Exhibit B. The Order, signed by Judge Mary D. France, specifically avers that Plaintiff is able "to foreclose on its mortgage". A true and correct copy of the Order, dated May 6, 2004 is attached hereto and marked as Exhibit "C". Plaintiff is proceeding in the foreclosure action by filing the instant Motion for Summary Judgment. The sums due Plaintiff are easily calculable under the terms of the Mortgage, the contents of which are clearly within Defendants' knowledge and control, and Defendants have totally failed to tender a payoff or a reinstatement ofthe sums due to date. See Plaintiff's Affidavit in Support of the Motion. Since Defendants have the knowledge of, and the means necessary for obtaining the denied information, including the total sums due, the denials are, in fact, admissions. Elia v. Olszewski, 368 Pa. 578, 84 A.2d 188 (1951); First Wisconsin Trust Co. v. Strausser, 439 Pa.Super. 192,653 A.2d 688 (1995); Cercone v. Cercone, 254 Pa.Super. 381, 386 A.2d 1 (1978). Plaintiff has an express contractual right pursuant to the terms of the Mortgage (paragraph 21) to charge the Defendants attorney's fees as a consequence of the initiation of the within Action in Mortgage Foreclosure. The Pennsylvania Courts have concluded that 5% or even 10% of the principal balance can be reasonable in the calculation of attorney's fees. See Federal National Mortgage Association v. U.S.A., 33 Pa. D. & C. 3d 152, 156 (1982); Federal Land Bank of Baltimore v. Fetner, 269 Pa. Super. 455, 410 A.2d 344 (1979). Under the circumstances, the attorney's fee recited herein is reasonable. The Pennsylvania pre-foreclosure Act 6 Notice is not required in the present matter. The Act 6 Notice ofIntention to Foreclose (41 P.S. Section 101, et sea.) is only required when the original bona fide principal amount of the mortgage is Fifty Thousand Dollars ($50,000.00) or less. The original bona fide principal amount of the subject Mortgage is in excess of $50,000.00. See Exhibit "A" attached hereto (Mortgage). Plaintiff complied with the Pennsylvania pre-foreclosure Notice requirements of Act 91 (35 P.S. Section 1680.40Ic, et sea.) The Pennsylvania pre-foreclosure Act 91 (35 P.S. Section 1680.403c, et sea.) states; "Any mortgagee who desires to foreclose upon a mortgage shall send to such mortgagor at his or her last known address the notice provided in subsection (b)...." At the time Plaintiff sent Defendants the statutory pre-foreclosure Notice, Defendants' last known address was the mortgaged premises. Plaintiff (mortgagee) properly sent Defendants the Notice to this address, as evidenced by the true and correct copy of the Notice attached to the Complaint as Exhibit A. In this respect then, it should be noted that Defendants' Answer effectively admits every allegation of the Complaint. IV. CONCLUSION The allegations of the Complaint are, in fact, uncontroverted. As set forth above, Defendants' Answer has been interposed for the purpose of delay only, and it does not substantiate any claim or defense to the propriety of the Mortgage foreclosure action per se. There are no genuine issues as to any material fact to be determined at trial, and therefore, for the reasons set forth hereinabove, the Plaintiff (moving party) is entitled to Summary Judgment as a matter oflaw. ~f!J 1it>:1lP'1.e- . , WHEN RECORDED MAIL:rO: OPTIqN ONE MORTGAGE CORP. P.O. BOX 57076 IRVINE, CA 92619-7076 "'0" ['ii.P. l\ECU:-R ;tcOR[;[i' Of OEEDS . CUMBERLAND COUNTY - PA . O~ JUN li tW\ 11 }~ Loan Number: 151010312 Servicing Number: 448029-9 Parcel Number: 10-19-1602-073 ORiGiNAL ~ IllI-e AboYe This LilIc FOT II--.IioII Dalal MORTGAGE THIS MORTGAGE ("Security Instrument") is given on May 25, 2001 EDWARD A. THOMAS AND CECEILA G. THOMAS . The mortgagor is ("Borrower"). This Security Instrument is given to Option One Mortgage Corporation, a California Corporation which is organiwl and ex.isting under the laws of address is CALIFORNIA , , and whose 3 Ada, Irvine, CA 92618 ("Lender"). Borrower owes Lender the principal sum of TWO HUNDRED NINTY ONE THOUSAND ONE HUNDRED FIFTY '" AND NO/100THs Dollars (U.S. $291,150.00 ). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides for monthly payments, with the full debt. if not paid earlier, due and payable on June 01, 2031 This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (e) the performance of Borrower's covenants and agreements under this Securiry Instrument and the Note. For this pulpOse, Borrower does hereby mortgage, grant and convey to Lender the following described property located in Cumberland County, Pennsylvania: SEE LEGl'.L DESCRIPTION ATTACHED HERETO AND MADE A PART THEREOF. PENNSYLVANIA. Single Family PaJe 1 of 10 PADlOO11 (0I/12101) llood'713_1105 ,,:XHIBIT A 110 .;;S3,U Loan Number: 151010312 Servicing Number: 448029-9 Date: OS/25/01 which has the address of 5141 S DEERFIELD AVENUE, MECHANICSBURG [s....t.Cityl Pennsylvania 17050 [Zip Cod. I ("Property Address"): TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appunenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. AU of. the foregoing is referred to in this Security Instrument as the "Property .. BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has tbe right to mongage, grant and convey the Propeny and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. COVENANTS. Borrower and Lender covenant and agree as follows: J. Payment of PriDcipaI 8Dd lntal:St; PtqJaymeot 8Dd LaIe Clwges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note. 2. FuIllIs for Taxes 8Dd Insurauce. Suhject to applicable law or to a written waiver by Lender, Bonower shall pay to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum ("Funds") for: (a) yearly taxes and assessmenlS which may attain priority over this Security Instrument as a lien on the Propeny ; (b) yearly leasehold payments or ground rents on the Property, if any: (c) yearly hazard or property insurance premiums: (d) yearly flood insurance premiums, ifany; (e) yearly mortgage insurance premiums. if any; and (I) any sums payable by Borrower to Lender, in accordance with the provisions of paragraph 8, in lieu of the payment of mongage insurance premiums. These items are called "Escrow Items. " Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a federally related mongage loan may require for Borrower's escrow account under the federal Real Estate Senlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. Section 26(lJ el $eq. ("RESPA"), unless another law that applies to the Funds selS a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items 'or otherwise in accordance with applicable law. The Funds shall be held in an institution whose deposits are insured by a federal agency. instrumentality, or entity (including Lender, if Lender is such an institution) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items. Lender may not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items. unless Lender pays Borrower interest on the Funds and applicable law penuilS Lender to make such a charge. However. Lender may require Borrower to pay a one-time charge for an independent real estate tax reponing service used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be paid. Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender may agree in writing, however, that ioterest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each dehit to the Funds was made. The Funds are pledged as additional security for all sums secured by this Security InstrUment. Page 2 of 10 PADlOOI2 (0Ilt2l01) 1l00k1713'.1106 -_..~--.~,----.__.~-, Loan Number: 151010312 Servicing Number: 44B029-9 Date: OS/25/01 If the Funds held by Lender exceed the amounts permined to be held by applicable law, Lender shall account to Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at any time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such ease Borrower shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole discretion. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refimd to Borrower any Funds held by Lender. If, under paragraph 21. Lender shall acquire or sell the Property, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by this Security Instrument. 3. Applic:alion of I'aymr:bts. Unless applicable law provides otherwise, all payments received by Lender under paragraphs 1 and 2 shall be applied: first, to any prepayment charges due under the Note; second. to amounts payable under paragraph 2; third, to interest due; fourth, to principal due; and last, to any late charges due under the Note. 4. Charges; LicDs, Borrower shall pay all taXes, assessments, charges, fmes and impositions attributable to the Property which may attaio priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall pay these Obligations in the manner provided in paragraph 2, or if not paid in that manner. Borrower shall pay them on time directly to the person owed payment. Borrower shail promptly furnish to Lender all notices of amounts to be paid under this paragraph. If Borrower makes these payments directly: Borrower shall promptly furnish to Lender receipts evidencing the payments. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any pan of the Property is subject to a lien which may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien, Borrower shall satisfy the lien or take one or mOre of the actions set forth above within 10 days of the giving of notice. 5, Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term . extended coverage' and any other hazards, including floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which shall not he unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mongage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, or applicable Law otherwise requires, insurance proceeds shall be applied first to reimburse Lender for costs and expenses incurred in connection with obtaining any such insurance proceeds, and then, at Lender's option, in such order and proponion as Lender may determine in its sole and absolute discretion, and regardless of any impairment of security or lack thereof: (i) to the sums secured by this Security Instrument, whether or not then due, and to such components thereof as Lender may detenuine in its sole and absolute discretion; and/or (Ii) to Borrower to pay the costs and expenses of necessary repairs or Page 3 of 10 PADlOOl3 (01/12/01) BooKt713,ACE110? Loan Number: 151n0312 Servicing Number: 448029- 9 Date: OS/25/01 restoration of the Property to a condition satisfactory to Lender. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, Lender may collect the insurance proceeds. Lender may, in its sole and absolute discretion, and regardless of any impairment of security or lack thereof, use the proceeds to repair or restore the Property or to pay the sums secured by this Security Instmment, whether or not then due. The 30-day period will begin when the notice is given. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragrnphs I and 2 or change the amount of the payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instmment immediately prior to the acquisition. If Borrower obtains earthquake insurance, any other hazard insurance, or any other insurance on the Property and such insurance is not specifically required by Lender, then such insurance shall (i) name Lender as loss payee thereunder, and (ii) be subject to the provisions of this paragraph 5. 6. Occupancy, PraervlIIion. M.intfOJ2lK'P. and ProIa:tion of the Property; Borrower's Loan Applicalion; Leaseholds. Borrower acknowledges that the Lender does not desire to make a loan to Borrower secured by this property on the tenns contained in the Note unless the property is to be occupied by Borrower as Borrower's primary/secondary residence. Lender makes non-owner residence loans of different terms. Borrower promises and assures Lender that Borrower intends to occupy this property as Borrower's primary/secondary residence and that Borrower will so occupy this property as its sole primary/secondary residence within sixty (60) days after the date of the Security Instrument. If Borrower breaches this promise to occupy the property as Borrower's primary/secondary residence, then Lender may invoke any of the following remedies, in addition to the remedies provided in the Security Instrument; (I) Declare all sums secured by the Security Instmment due and payable and foreclose the Security Instmment, (2) Decrease the term of the loan and adjust the monthly payments under the Note accordingly, increase the interest rate and adjust the monthly payments onder the Note accordingly, or (3) require that the principal balance be reduced to a percentage of either the original purchase price or the appraised value then being offered on non-owner occupied loans. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that. in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default if Borrower. during the loan application process. gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. Borrower shall, at Borrower's own expense, appear in and defend any action or proceeding purporting to affect the Property or any portion thereof or Borrower's title thereto, the validity or priority of the lien created by this Security Instrument, or the rights or powers of Lender with respect [0 this Security Instrument or the Property. All causes of action of Borrower. whether accrued before or after the date of this Security Instrument, for damage or injury to the Property or any part thereof, or in connection with any transaction financed in whole or in part by the proceeds of the Note or any other note secured by this Security Instrument, by Lender, or in connection with or affecting the Property or any part thereof, including causes of action arising in tort or contract and causes of Page 4 of 10 PADtOOl4 (OtI12/01) BQoK1713 rm1108 Loan number: 151010312 Servicing Number: 448029-9 Date: OS/25/01 action for fraud or concealment of a material fact, are, at Lender's option, assigned to Lender, and the proceeds thereof shall be paid directly to Lender who, after deducting therefrom all its expenses, including reasonable attorneys' fees, may apply such proceeds to the sums secured by this Security Instrument or to any deficiency under this Security Instrument or may release any monies so received by it or any pan thereof, as Lender may elect. Lender may, at its option, appear in and prosecute in its own name any action or proceeding to enforce any such cause of action and may make any compromise or settlement thereof. Borrower agrees to execute such further assignments and any other instruments as from time to time may be necessary to effecmate the foregoing provisions and as Lender shall request. 7. Prota:Iioo of Le!lder's Rights in the Property. If Borrower fails to perfonn the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations). then Lender may do and pay for whatever is necessary to protect the vaiue of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien which has priority over this Security Instrument. appearing in coun, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment. these amounts shall hear interest from the date of disbursement at the Note rate in effect from time to time and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Mortgage Insurance. If Lender required mongage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mongage insurance in effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mongage insurance previously in effect, from an alternate mortgage insurer approved by Lender. If subs~tially equivalent mongage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one.twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in lieu of mongage insurance. Loss reserve payments may no longer he required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law. 9. ~. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 10. CondemnaIinn. The proceeds of any award or claim for damages, direct or consequential. in connection with any condemnation or other taking of any pan of the Property, or for conveyance in lieu of condemnation. are hereby assigned and shall he paid to Lender. Lender may apply, use or release the condetlllllltion proceeds in the same manner as provided in paragraph 5 hereof with respect to insurance proceeds. If the Property is abandoned by Borrower. or if, after notice by Lender to Borrower that the condemnor offers 10 make an award or settle a claim for damages. Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the proceeds, at its option, either to resloration or repair of the Property or to the sums secured by this Security instrument, whether or not then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds 10 principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs I and 2 Or change the amount of such payments. Page 5 of 10 PA[)l00lS (01112/01) BOOK1'71JPAC:E1109 Loan Number: 151010312 Servicing Number: 44 B 0 2 9 - 9 Date: OS/25/01 I 1. Borrower Not Rei ~; Fu.b..u........ By Louder Not a Waiver. Extension of the time for paymenl or modification of amonization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in interest. Lender shall not be required 10 commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbeanmce by Lender in exercising any right or rentcdy shall not be a waiver of or preclude the exercise of any right or remedy. 12. ~lS and Assigns Bound; Join! and SevcIal Liability; Co-signen. The covenants and agreements of this Security Insrrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragrnph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who co-signs this Security Instrument but does not execute the Note: (a) is co-signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Insrrument; (b) is nol personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any acconunodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 13. Loan Charges. If the loan secured by this Security Instrument is subject to a Jaw which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to Illducc the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded !O Bonower. Lender may choose to make this refund by Illducing the principal owed under the Note or by making a direct payment 10 Borrower. If a refund Illduces principal, the Illduction will be l1'eated as a partial prepayment without any prepayment charge under the NOle. 14. NotiIzs. Any notice to Borrower provided for in this Security instrUment shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice 10 Lender. Any norice to Lender shall be given by first class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. . IS. GovemiDg u...; Severability. This Security Insrrument shall be governed by federal law and the law of the jurisdiction in which the Property is localed. In the evenl that any provision or clause of this SecurilY Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Nole which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Trmsfer of the Propeny or a BencIicialIDtcn:st in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate paymenl in full of all sums sccuIlld by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand ' on Borrower. Page 6 of to PADlOOl6 (01112101) 8ood,t3,AilEitla - Loan Number: 151010312 Servicing Number: 448029-9 Date: OS/25/01 18. Borrower's Right to ReimIaIe. If Bonower meets cenain conditions, Borrower shall have the right to have enfon:eme.nt' of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any Olher covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees; and (d) takes such action as Lender may reasonably tequire to assure that the lien of this Security Instrument, Lender's rights in the Propeny and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Insrrument and the obligations secured hereby shall remain fully effeclive as if no acceleration had occurred. However, this right ro reinstate shall nOI apply in the case of acceleration Wlder paragraph 17. 19. Sale of Note; Cbaoge of Loan Senicer. The Note or a panial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servi=") thaI collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer unrelated 10 a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change in accordance with paragraph 14 above and applicable law. The notice will stale the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. The holder of the Note and this Security Instrument shall be deemed to be the Lender hereunder. 20. Hazanlous Sn\....,~. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Subsrances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice of any investigation. claim, demand, lawsuit or other action by any governmental or regulatory agency or private pany involving the Property and any Hazardous SubsWlce or Environmental Law of which Borrower has actUallmowledge. If Borrowet learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Propeny is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Borrower shall be solely responsible for, shall indemnify, defend and hold harmless Lender. its directors, officers, employees. attorneys, agents, and their respective SuccesSOR and assigns, from and against any and all claims, demands, causes of action. loss, damage, cost (including actual attorneys' fees and coon costs and costs of any required or necessary repair, cleanup or detoxification of the Property and the preparation and implementarion of any closure, abatement, containment, remedial or other (required plan), e~penses and liability directly or indirectly arising out of or attributable to (a) the use, generation, storage, release, threatened release, discharge, disposal, abatement or presence of Hazardous Substances on. Wlder or about the Property, (b) the transpon to or from the Property of any Hazardous Substances, (c) the violation of any Hazardous Substances law, and (d) any Hazardous Substances claims. As used in this paragraph 20. "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, to~ic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. All used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is 10caled that relate to health. safety or environmenlal protection. ADOmONAL COVENANTS. Borrower and Lender further covenant and agree as follows: 21. AcceIeralion; Jl""""lJu... H any installment UDder the Note or notl:s IlOCIIJed hereby is not paid when due, or ifBuuv"'c:r sbouId be indelilU1tUllder any provision of this Sccority InstIWDOUL, orifBonuwer is in default UDder any ot!Ier 1IIIJttgage or other inslrwDaJt sec:w:aI by the Property, all SlDlIS sec:w:aI by this Security lnslnunem aucI """""'" interest lbet1:on sbaII at cm<:e become due and payable at the option of Leode:r wi1houI prior notice, esa:pt as otherwise requin:d by applicable law. and tegardless l!f. Page:: 7 of 10 PADlOO17 (01112/01) llOOk1?13 rAGr1111 Loan Number: 1.51.01.0n2 Servicing Number: 448029-9 Date: OS/25/01. any prior Cu,.......IlU. In such evcot, Leodo:r. at its option. and subject to applicable law. may lIH:o or thereafter invoke the poIIlI1:J' of sale aodIor any 0Iber J"'3IlIJdie$ or take any oIber a<tions penniIted by applicable law. Lender will collett all """"'.... iDcurral in JIUISIIing the "",-,;f>Jl described in this Patagraph 21, iDl:Iuding, but DOt limill:d to. n:ascmab1e aIIl>1'DeyS' fees ;md costS of tide evidePI:e. 22. Release.Upon payment of all sums secured by this Security Instrument, Lender shall release this property without warranty to the person or persons legally entitled to it. Such person or persons shall pay any recordation costs. Lender may charge such person or persons a fee for releasing the Property for services rendered if the charging of the fee is permitted under applicable law. 23. Waivers. Borrower, to the extent permitted by applicable law, waives and releases any error or defects in proceedings to enforce this Security lnstrument, and hereby waives the benefit of any present or future laws providing for stay of execution, extension of time, exemption from attachment, levy and sale, and homestead exemption. 24, Jl~ll~I,,~.......t Period. Borrower's time to reinstate provided in paragraph 18 shall extend to one hour prior to the commencement of bidding at a sheriffs sale or other sale pursuant to this Security Instrument. 25. Pon:hase Mooey Mortpge. If any of the debt secured by this Security Instrument is lent to Borrower to acquire title to the Propeny, this Security Instrument shall be a purchase money mortgage. 26. Interest Jtate After Judgment, Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mongage foreclosure shall be the rate payable from time to time under the Note. n. MW"P,.....,tatiuu;md N<)OVflq:losun:. Borrower has made certain written representations and disclosures in order to induce Lender to make the loan evidenced by the Note or notes which this Security Instrument secures, and in the event that Borrower has made any material misrepresentation or failed to disclose any material fact, Lender, at its option and without prior notice or demand. shall have the right to declare the indebtedness secured by this Security Inst!1lDll:llt, irrespective of the maturity date specified in the Note or notes secured by this Security Instrument, immediately due and payable. 28. Tune is of the E.ssetx:e. Time is of the essence in the performance of each provision of this Security Instrument. 29. Wai_ of Statute of Limitations. The pleading of the statute of limitations as a defense to enforcement of this Security Instrument. or any and all obligations referred to herein or secured hereby, is bereby waived ro the fullest extent permitted by applicable law. 30. Mndifir.mon. This Security Instrument may be modified or amended only by an agreement in writing signed by Borrower and Lender. 31. ReirnbuIIICIDeI.To the extent permitted by applicable law, Borrower shall reimburse Trustee and Lender for any and all costs, fees and expenses which either may incur, expend or sustain in the execution of the trust created hereunder or in the performance of any act required or permitted hereunder or hy law or in equity or otherwise arising out of or in connection with this Security Instrument, the Note, any other note secured hy this Security Instrument or any other instrUJDent executed by Borrower in connection with the Note or Security Instrument. To the extent permitted by applicable law, Borrower shall pay to Trustee and Lender their fees in connection with Trustee and Lender including, but not limited to assumption application fees: fees for payoff demands and, statements of loan balance; fees for making, transmitting and transporting copies of loan documents, verifications. full or partial lien releases and other documents requested by borrower or necessary for performance of Lender's rights or duties under tbis Security InstrUJDent; fees arising from a returned or dishonored check; fees to determine whether the Property is occupied. protected. maintained or insured or related purposes; appraisal fees, inspection fees, legal fees, broker fees, insurance mid.term substitutions, repair expenses, foreclosure fees and costs arising from foreclosure of the Property and protection of the security for this Security Instrument; and all other Page 8 of 10 PADtOO18 (01/12/01) Bood713,ACd.i12 Loan Number; 151010312 Servicing Number: 448029-9 Date: OS/25/01 fees and costs of a similar nature not otherwise prohibited by law. permitted by applicable law, Borrower shall pay to Lender their fees in connection with Lender providing documents or services arising out of or in connection with this Security Instrument, the Note, any other note secured by this Security Instrument or any other instrument executed by Borrower in connection with the Note or Security Instrument. 32. Clerical Error. In the evenl Lender at any time discovers that the Note, any other note secured by this Security Instrument, the Security Instrument, or any other document or instrument executed in connection with the Security Instrument, Note or notes contains an error that was caused by a clerical mistake, calculation error, computer malfunction, printing error or similar error, Borrower agrees, upon notice from Lender. to reexecute any documents that are necessary to correct any such error(s). Borrower further agrees that Lender will not be liable to Borrower for any damages incurred by Borrower that are directly or indirecrly caused by any such error. 33. Lost Stolen. Destroyed or MutilaIal Security InslrUDlcllt and Other 0.,...""",,- In the event of the loss, theft or destruction of the Note, any other note secured by this Security Instrument, the Security Instrument or any other documents or instruments executed in connection with the Security Instrument, Note or nutes (collectively. the "Loan Documents "), upon Borrower's receipt of an indemnification executed in favor of Borrower by Lender, or, in the event of the mutilation of any of the Loan Documents, upon Lender's surrender to Borrower of the mutilated Loan Document, Borrower shall execute and deliver to Lender a Loan Document in form and content identical to, and to serve as a replacement of, the lost, stolen, destroyed, or mutilated Loan document, and such replacement shall have the same force and effect as the lost, stolen, destroyed, or mutilated Loan Documents, and may be treated for all purposes as the original copy of such Loan Document. 34. Aasigomem of RenIs. As additional security hereunder, Borrower hereby assigns to Lender the rents of the Property. Borrower shall have the right to collect and retain the rents of the Property as they become due and payable provided Lender has not exercised ilS rights to require immediate payment in full of the sums secured by this Security instrument and Borrower has not abandoned the Property. 35. Riders to this Security Iostrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agI\lemellts of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. [Check applicable box(es)] o Adjustable Rate Rider o No Prepayment Penalty Option Rider o Other(s) (specify) Page 9 of JO o Condominium Rider o Planned Unit Development Rider BooK1713 fAGE1113 o 1-4 Family Rider o Occupancy Rider PADlOOl9 (0l1l2101) '. Loan Number: 151010312 Servicing Number: 4480299 Date: OS/25/0l BY SIGNING BELOW, Borrower acCeplS and agrees 10 !he tenns and covenants contained in this Security Instrument and in any ridcr(s) executed by Borrower and recorded with it. Witnesses: C\\' {'fl, '" ~.../~ / (Seal) -Bcmower (Seal) -Borrower ~-L~J. 14.~' ::;::trO~S:-rt~ , CBCElLA G. '4;.s (Seal) -Borrower (Seal) -Borrower (Seal) ~Borrower (Seal) -Borrower Certificate of lI""icJ""" I, the undersigned the within-named Mortgagee is , do hereby certify thaI the correct address of Wimess my hand this 3 Ada, Irvine, CA 25 day of 92618 May, 2001 ",\1 O"''''''N'IA / Agent of Mortgagee COMMONWEALTII OF PENNSYLVANIA, Cumberland County ss: ;J1. ~..... ",t'f.(f"!l"';~.;(JII"-:"(~, ...... ~ftl71f.Jhr.4~ ", be~ ..;:1::..::..:....: .\r;-t;D:vrr;;"!\ 'I" , .ore me, lhe.uii,!",~Cdt~./rJ;"\, ' '~""~~~,~t;q(j' ~~\':-;. A. Thomas and Cecei1a G. Thomas ".;...".;~f;;; ~. t_ .;c.v;, ., ~ ~.~1~~~.~1~-' ~(i~ known (0 me (or satisfactorily proven) to be the personS whose name s subscnbeil'.to'.Ih~ .' ."",..,,'. :'" within instrument and acknowledged that they executed the same for the purposes herein,:Wfti1fi!edc.~~i':~i1;4 '. .;.';t!~ .../0:fMi\~"/ti!.%.,,; IN WITNESS WHEREOF, I hereunto set my hand and official seal. "Ii'(J'f.';.;:.':...~:Jft.JJf'*~1" '''''. . "'"''''J~ iifiJ.- ,,"\t~"""'" " ," ". 1\-W'~:'l.;l",. ~(1~' . ?~t'i ~, ~~: . On !his, the 25 officer, personally appeared Edward day of May, 2001 My Commission Expires: ,y-- ("c~lL NOTARIAL SEAL SUSAN L. CRESWELL. NOIaf)/ Public Reading, 8efks Coonly. PA tilt COmmission ""Pres Oece_' 9. 2003 Tide: of Officer Page 10 of 10 PADl0020 (01/12101) I'IOOd.713rctU4 .' ALL THAT CERTAIN tmet or parcel ofland and premises, situate, lying and being in Hampden Township: in the County of Cumberland and Commonwealth of Pennsylvania, more particularly described as lb\rows: BEGINNING at a point on the eastern right-of-way line of South DeerfieJd Avenue (50.00 feel wide), said point being located at the southwestern corner of Lot No. 17 (Phase I); thence along the southern boundary line of Lot No. 17 North 85 degrees 46 minutes 53 seconds East, for a distance of 105.00 feet. to a point at the northwestern corner of Lot No. 15: thence along the western boundary line of Lot No. 15 South 14 degrees 13 minutes 07 seconds East. for a distance of 105.00 feet, to a point on the northern right-ot:way line of Joshua Road (50.00 feet wide): thence Soulh 7S degrees 46 minules (erroneously stated in prior deed as 45 minutes) 53 seconds West. for a distance of94.29 teet, to a poinl on the arc ofa circle curving te the right, having a radius of25.00 feet, and an arc length of 41.36 teet to a point on the eastern right-of-way line of South Deerfield Avenue (50.00 teet wide); thence along said right-of.way line on the arc ofa circle curving \0 the right, having a radius oDOO.OO feel, and an arc length 01'25.02 feet, \0 a point; thence North 04 degrees 13 minutes 07 second West, for a distance ,of 72.44 feet. to a poillt the place of BEGINNING. BEING THE SAME PREMISES WHICH Neelue Enterprises, Inc. A Pennsylvania Corporation d/b/a KB Builders by deed dated October 13, 1998 and recorded October 14,1998 in Cumberland County records ill Book 187 page 91, granted and conveyed unto Ping Peng and YullOng Peng. his wife in fec. BEING PARCEL NO. 10-19.1602-073 ., " , I Certify this to be recorded In Cumberland County P A ~.... _"~~ ~:"'.,J Recorder of Deeds IDlld713,..111S PSBC PAM - LIVE - V2.3 - Docket Report Page 1 of4 CREDS, 2002, 341Held, MotDism u.s" Bankruptcy Court Middle District of Pennsylvania (Harrisburg) Bankruptcy Petition #: 1:04-bk-01496-MDF Assigned to: Mary D France Chapter 7 Voluntary No asset Date Filed: 03/12/2004 Edward Arthur Thomas 5141 S Deerfield Ave Mechanicsburg, P A 17050 SSN: xxx-xx-7296 Debtor Cecelia Gloria Thomas 5141 S Deerfield Ave Mechanicsburg, PA 17050 SSN; xxx-xx-0961 Joint Debtor Leon P. Haller (Trustee) Purcell, Krug and Haller 1719 North Front Street Harrisburg, PA 17102 717234-4178 Trustee United States Trustee PO Box 969 Harrisburg, P A 17108 (717)221-4515 Asst. U.S. Trustee represented by Dorothy L Mott 125 State Street Harrisburg, PA 17101 717 232-6650 represented by Dorothy L Mott (See above for address) represented by D. Troy Sellars US Department of Justice Office of the United States Trustee PO Box 969 228 Walnut Street, Room 1190 Harrisburg, P A 17108- 0969 717221-4515 Fax: 717221-4554 Email: D.Troy .Sellars@usdoj.gov Filing Date # Docket Text 03/12/2004 1 Chapter 7 Voluntary Petition missing Matrix. Filing fee due in the amount of $ 209.00 Filed by Edward Arthur Thomas, Cecelia Gloria EXHIBIT B https;//ecf.pamb.uscourts.gov/cgi-binlDktRpt.pl?108340060952933-L 82 0-1 8/10/04 VSBC PAM - LIVE - V2.3 - Docket Report Page 2 of 4 Thomas. (DD) (Entered; 03/12/2004) 03/12/2004 Receipt of Voluntary Petition Filing Fee. Receipt Number 606397 Fee Amount $ 209.00 (RE: related document(s)[I]). (DD) (Entered: 03/15/2004) 03/12/2004 2 Matrix filed/Creditor Lis! Uploaded Filed by Cecelia Gloria Thomas, Edward Arthur Thomas (RE; related document(s)[l]). (DD) (Entered: 03/15/2004) 03/16/2004 Trustee Leon P. Haller (Trustee) added to case.. (There is no image or paper document associated with this entry.) Filed by U.S. Trustee. (united states trustee(rm),) (Entered; 03/16/2004) 03/16/2004 Tentative Date for Meeting of Creditors. THIS IS SUBJECT TO CHANGE. .4/19/2004 at 08:30 AM. (AG) (Entered: 03/16/2004) 03/22/2004 3 Request for Notice under 2002 Filed by Alice Whitten on behalf of AmeriCredit. (DD) (Entered: 03/23/2004) 03/24/2004 4 Request for Notice under 2002 Filed by Erich M Ramsey on behalf of Capital One Auto Finance. (DD) (Entered; 03/24/2004) 03/25/2004 i Request to BNC - Meeting of Creditors . 341(a) meeting to be held on 4/19/2004 at 08:30 AM Federal Bldg, Trustee Hearing Rm, Rm 1160, 11 th FI, 228 Walnut St, Harrisburg, P A Last day to oppose discharge or dischargeability is 6/18/2004 (AG) (Entered: 03/25/2004) 03/27/2004 Q BNC Certificate of Mailing. Service Date 03/27/2004. (Related Doc # i) (Admin.) (Entered; 03/28/2004) 04/02/2004 7 Request for Notice under 2002 Filed by Alice Whitten on behalf of AmeriCredit. (DB) (Entered: 04/06/2004) 04/12/2004 8 Motion for Relieffrom Stay. Filing fee due in the amount of$ 150.00 Filed by Marisa Joy Myers ofUdren Law Offices, PC on behalf of Option One Mortgage Corp. (CG) (Entered: 04/12/2004) 04/12/2004 9 Certificate of Non-Concurrence Filed by Marisa Joy Myers ofUdren Law Offices, PC on behalf of Option One Mortgage Corp (RE; related document(s)[8] ). (CG) (Entered: 04/12/2004) 04/12/2004 10 Request for admissions Filed by Marisa Joy Myers ofUdren Law Offices, PC on behalf of Option One Mortgage Corp (RE: related document(s)[8] ). (CG) (Entered: 04/12/2004) https;/ /ecf.pamb.uscourts.gov/cgi-bin/DktRpt.pl?l 08340060952933 -L _ 82_ 0-1 8/i 0/04 DSBC PAM - LIVE - V2.3 - Docket Report Page 3 of 4 04/12/2004 Receipt of Motion for Relief from Stay Filing Fee. Receipt Number 607534 Fee Amount $ 150 (RE: related document(s)[8]). (CO) (Entered: 04/12/2004) 04/12/2004 11 Order (RE: related document(s)[8]). Answers are due on; 4/27/2004. Hearing scheduled for 5/12/2004 at 09:00 AM at 3rd & Walnut Streets, Bankruptcy Courtroom (3rd Floor), Federal Building, Harrisburg, PA. (CG) (Entered: 04/12/2004) 04/12/2004 12 Request for Notice under 2002 Filed by Heidi R Spivak ofUdren Law Offices PC, Marisa Joy Myers ofUdren Law Offices, PC on behalf of Option One Mortgage Corp. (DR) (Entered: 04/13/2004) 04/19/2004 13 Certiticate of Service Filed by Marisa Joy Myers ofUdren Law Offices, PC on behalf of Option One Mortgage Corp (RE: related document(s)[ll], [8]). (CG) (Entered: 04/19/2004) 05/06/2004 14 Order Granting Motion for Relief from Stay (RE; related document(s) [8] ). (CG) (Entered: 05/06/2004) 05/11/2004 15 Certification that 341 Meeting of Creditors Held (Ch. 7) on 4/19/2004. (There is no image or paper document associated with this entry.). (haller(bp), Leon) (Entered: 05/1112004) OS/26/2004 16 Trustee's Report of No Distribution: Trustee requests discharge and certifies under FRBP 5009; the estate has been fully administered; I have neither received nor distributed any non-exempt property; I have diligently inquired about the debtor(s) financial affairs and location of estate property. The estate has no non-exempt property to distribute. (There is no image or paper document associated with this entry.). (haller(bp), Leon) (Entered: OS/26/2004) 06/18/2004 11 Motion to Dismiss Case pursuant to 11 USC 707(a) and/or (b) Filed by D. Troy Sellars of US Department of Justice on behalf of United States Trustee (RE: related document(s)[I] ). (Attachments: # 1 Exhibit Exhibit A# ,2 Exhibit Exhibit B# J Exhibit Exhibits C - G# 4 Exhibit Exhibit H) (Sellars, D.) (Entered: 06/18/2004) 06/21/2004 II Order (RE: related document(s)17). Answers are due on; 7/6/2004. Hearing scheduled for 7/19/2004 at 09:00 AM at 3rd & Walnut Streets, Bankruptcy Courtroom (3rd Floor), Federal Building, Harrisburg, PA. (BW) (Entered: 06/21/2004) 06/21/2004 19 Corrective Entry -the Certificate of Service attached to the Motion to Dismiss the Instant Case with Prejudice Pursuant to 11 u.s.e. Section 707(a) and/or Section 707(b) shows the trustee as John J. Martin. This is incorrect. The trustee should be Leon P. Haller Filed https://ecf.pamb.uscourts.gov/cgi-binIDktRpt.pl 71 08340060952933 ~L 82 0-1 8/10/04 .USBC PAM - LIVE - V2.3 - Docket Report Page 4 of 4 by U.S. Trustee (RE; related document(s)l1). (united states trustee (wp),) (Entered: 06/21/2004) 06/21/2004 20 Certificate of Service of Order dated June 21,2004 scheduling a hearing on July 19, 2004 at 9; 00 a. m. on the Motion to Dismiss the Instant Case with Prejudice Pursuant to 11 u.s.e. Section 707(a) and/or Section 707(b) Filed by U.S. Trustee (RE: related document(s) lit). (united states trustee(wp),) (Entered: 06/21/2004) 07/09/2004 21 Amendment to Schedules: A,B,C,D,E,I,J. . Filing fee due in the amount of $ 26.00 Filed by Dorothy L Mott on behalf of Cecelia Gloria Thomas, Edward Arthur Thomas (RE: related document(s) [1]). (BR) (Entered; 07/12/2004) 07/09/2004 Receipt of Amendment to Schedules Filing Fee. Receipt Number 610861 Fee Amount $ 26. (RE: related document(s)[21]). (BR) (Entered: 07/12/2004) 07/19/2004 22 Proceeding Memo: Hearing not held. Per e-mail attached, Attorney Kara Messner will be entering her appearance on behalf of the debtor and requested a continuance. Continued to August 30, 2004 at 11 :00 a.m. (Mailing required) (RE; related document(s)IZ, Ill). (JG) (Entered: 07/19/2004) 07/28/2004 23. Notice of continued hearing. Rescheduled (RE: related document(s) 17, lit, 20 ). Hearing scheduled for 8/30/2004 at 11;00 AM at 3rd & Walnut Streets, Bankruptcy Courtroom (3rd Floor), Federal Building, Harrisburg, PA. (Attachments: # 1 Certificate of Service) (CG) (Entered; 07/28/2004) I PACER Service Center I Transaction Receipt I 08/10/2004 15;57;04 IPACER Login: IImu0011 IIClient Code: I IDescription: IIDocket Report IICase Number: III :04-bk-01496-MDF I IBiIlable Pages: 114 IICost: 110.28 1 https;//ecf.pamb.uscourts.gov/cgi-billJDktRpt.pl?l 08340060952933- L _82 _0-1 8/10/04 . ,t.....J~ . (>>O t(l{"();Jl?1 , IN THE UNITED STATES BANKRUPTCY COURT FOR THE MIDDLE DISTRICT OF PENNSYL V ANlA IN RE: Edward Arthur ThDmas. Pro se Cecelia GIDria ThDmas, PrD se CHAPTER 7 CASE NO. 04-01496 MOF 11 V.S.C. SEC. 362 OptiDn One MDrtgage CorporatiDn Movant vs. Edward Arthur ThDmas, Pro se Cecelia G1Dria Thomas, Pro se Debtor(s) and LeDn P. Haller, Esquire Trustee FILED HARRlSBURQ PA LlAY - 6 2004 . tfJP 01-' U.S. Bankruptcy Court RESPONDENTS ORDER MODIFYING SECTION 362 AUTOMATIC STAY AND NOW, this C, K MDtiDn of MDvant above, it is day Df YY\~'1 ,200Y ,upon ORDERED AND DECREED THAT: The Automatic Stay of all proceedings. as provided under Section 362 of the Bankruptcy Reform Act of 1979, as amended (The CDde), 11 V.S.C.362, is modified with respect tD premises: 5141 S Deerf"JeId Ave Mechanicsburg, PA 17050 as tD allow the Movant to foreclose on its mortgage and allow the purchaser of said premises at Sheriffs Sale (or purchaser's assignee) to take any legal action for enforcement Df its right to possession of said premises; and it is FURTHER ORDERED THAT: The relief granted by this order shall survive the cDnversion of this bankruptcy case to a case under any Dther Chapter of the Bankruptcy CDde. ~~ EXHIBIT C q - I VERIFICATION Mark J. Uillen, Esquire, hereby states that he is the attorney for the Plaintiff, a corporation unless designated otherwise; that he is authorized to take this Verification and does so because of the exigencies regarding this matter, and because Plaintiff must verify much of the information through agents, and because he has personal knowledge of some ofthe facts averred in the foregoing pleading; and that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief and the source of his information is public records and reports of Plaintiff's agents. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Dated; q) q /0 Lj Mark J. U UDREN A W OFFICES, P.C. UDREN LAW OFFICES, P.C. BY: MARK J. UDREN, ESQUIRE ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Plaintiff . : COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County Option One Mortgage Corporation v. Edward A. Thomas Ceceila G. Thomas a!k/a Cecilia G. Thomas . : NO. 04-2322 Civil Term Defendants CERTIFICATE OF SERVICE I, Mark J. Udren, Esquire, hereby certify that I served true and correct copies of Plaintiff's Motion for Summary Judgment, Brief in Support and Argument Praecipe upon the following persons named herein at their last known address or their attorney of record. xxxxxx Regular First Class Mail Certified Mail Other (certificate of mailing) Date Served; September 10 , 2004 TO: Edward A. Thomas, Esquire P.O. Box 7277 Mechanicsburg, PAl 7050 Attorney for Defendants UDREN LA S,P.C. i : By; i I Mark J. Udr~n, Es irA / Attorney for Plaintiff/~vant PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY; Please list the within matter for the next Argument Court. CAPTION OF CASE (entire caption must be stated in full) Option One Mortgage Corporation (Plaintiff) vs. Edward A. Thomas Ceceila G. Thomas a!k/a Cecilia G. Thomas (Defendants) No. 04-2322 Civil Term 1. State matter to be argued (i.e. plaintiffs motion for new trial, defendant's demurrer to complaint, etc.); Motion for Summary Judgment 2. Identify counsel who will argue case; (a) for plaintiff; Mark J. Udren, Esquire Address; Woodcrest Corporate Center, 111 Woodcrest Road, Suite 200 Cherry Hill, NJ 08003-3620 (b) for defendants; Edward A. Thomas, Esquire Address; P.O. Box 7277 Mechanicsburg, P A 17050 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date; November 10,2004 UDRENmFFI ES, P.C. By; Mark J. dr, ire Attorney for Plain ff UDREN LAW OFFICES, P.C. BY: MARKJ. UDREN,ESQUlRE ATTY I.D. NO. 04302 WOODCRESTCORPORATECENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Plaintiff . : COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County Option One Mortgage Corporation v. Edward A. Thomas Ceceila G. Thomas a/kIa Cecilia G. Thomas . : NO. 04-2322 Civil Term Defendant( s) PRAECIPE TO ATTACH AFFIDAVIT AND VERIFICATION TO PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT TO THE PROTHONOTARY: Kindly attach the enclosed Affidavit and Verification to Plaintiff's Motion for Summary Judgment which was filed on September 13, 2004. UDREN LAW OFFICES, P.C. BY: ~ Mark J. uill'h, squire ATTORNEY FOR PLAINTIFF UDREN LAW OFFICES, P.c. BY: MARKJ. UDREN,ESQUIRE ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Option One Mortgage Corporation ATTORNEY FOR PLAINTIFF Plaintiff COURT OF COMMON PLEAS CNIL DNISION Cumberland County v. Edward A. Thomas Ceceila G. Thomas alk/a Cecilia G. Thomas NO. 04-2322 Civil Term Defendants AFFIDAVIT STATE OF Flbnd~, Dv.. \/q I SS COUNTY OF I, Lora Sattler, being duly sworn according to law, depose and say; I. That I am the Sr. Legal Action Specialist for Option One Mortgage Corporation, the Plaintiff in the within matter. 2. That in said capacity I am familiar with the account that forms the basis of the instant foreclosure action and that I am authorized to take this Affidavit. 3. That all notices, if required to be sent to Defendants pursuant to Act 6 of 1974 and Act 91 of 1983, have been sent pursuant to the requirements of those Acts on the dates appearing thereon, copies of said notices being attached to the Complaint as Exhibits, if applicable. 4. The amounts due on the Mortgage were correctly stated as ofthe date appearing in the Complaint, in paragraph 6 thereof, and have accumulated since the filing of the Complaint, as follows; Principal of debt due and unpaid $287,754.13 Interest at 11.05% from 11/1/03 to 9/15/04 (the per diem interest accruing on this debt is $87.11 and that sum should be added each day after 9/15/04) 27,876.69 Title Report 250.00 Court Costs (anticipated, excluding Sheriffs Sale costs) 280.00 Escrow OverdraftlBalance (the monthly escrow on this account is $291.69 and that sum should be added on the first of each month after 9/15/04) 2,631.03 Late Charges 668.08 Other Fees Due 1.66 Attorney's Fees (anticipated and actual to 5% of principal) 14.387.71 TOTAL $333,849.30 A true and correct copy of the payment history, attested to herein, is attached hereto as Exhibit "A". Option One Mortgage Corporation BY;~8- Q. \1~ Name: Title: Lora A. Sattler Sr, LepI Action Specialist Option One Mortgage Corp. Sworn to and subscribed before me this 11<-4-day of ~ 2004. ~~~, . ... ... -- .- -~&'';'" ." KEITH ClARY f. ""'''''' IFI Ida ;'~.' .'tm~I-!!Y PUIJ,/:~~ Notary Public ~ state 0 or ~\t;:*. ()MyCommtslonExplres,Ap-3,2007 ;~~...... ,,<:),<:j Commission # D0199485 ,~ -<;~c OF r\.CI~:'" Bonded By National Notary Assn. .<<.,::::::,:,-..,~"<^.,__,,, ,"..._~'l"'~P"" . OPTION ONE MORTGAGE CORPORATION 3 ADA IRVINE, CA 92618 OPTION ONE MORTGAGE TELEPHONE NO.: 1-800-648-9605 REQ BY VB3 CUSTOMER ACCOUNT ACTIVITY STATEMENT DATE 09/15/04 PAGE 1 EDWARD A THOMAS CECElLA G THOMAS 5141 S DEERFIELD AVE MECHANICSBURG PA 17050 LOAN NUMBER: 0004480299 ******************************************************************************* -------------------------- CURRENT ACCOUNT INFORMATION ----____________________ DATE TOTAL PRINCIPAL LOAN CURRENT PAYMENT PAYMENT & INTEREST INTEREST PRINCIPAL ESCROW DUE AMOUNT PAYMENT RATE BALANCE BALANCE 12-01-03 3,075.39 2,783,70 11.05000 287,754.13 2,631.03- ******************************************************************************* PROCESS DATE DUE DATE ACTIVITY FOR PERIOD TRANSACTION CODE 01/01/01 - 09/14/04 TRANSACTION DESCRIPTION EFFECTIVE DATE OF TRANSACTION ------------------------------------------------------------------------------- TRANSACTION AMOUNT PRIN. PAID/ BALANCE ESCROW PAID/ ------------OTHER------------_ INTEREST BALANCE ,~OUNT CODE/DESCRIPTION ------------------------------------------------------------------------------- 08-20-04 00-00 9.15 08-18-04 12-03 2,631.03 08-17-04 08-04 2,636.26- 633 MISC. F/C AND B/R EXPENSES 0.00 0.00 0.00 161 ESCROW ADVANCE 0.00 0.00 319 SCHOOL TAX 0,00 0.00 2631. 03 2636.26- 2631. 03- 08-16-04 12-03 152 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 0.00 07-21-04 00-00 633 MISC. F/C AND B/R EXPENSES 9.15 0.00 0.00 0.00 07-16-04 12-03 152 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 0.00 06-29-04 00-00 633 MISC. F/C AND B/R EXPENSES 9.15 0.00 0.00 0.00 06-17-04 00-00 632 STATUTORY EXPENSES 2,550.00 0.00 0.00 0.00 06-16-04 12-03 152 LATE CHARGE ASSESSMENT 0.00 0.00 0,00 0.00 06-09-04 00-00 633 MISC. F/C AND B/R EXPENSES 115.00 0.00 0.00 0.00 06-03-04 00-00 633 MISC. F/C AND B/R EXPENSES 9.15 0.00 0.00 0.00 05-21-04 05-04 351 HAZARD INSURANCE DISBURSEMENT (PRIMARY POLICY) 651.00- 0.00 0.00 651.00- 5.23 NEW PRINCIPAL/ESCROW BALANCES EXHIBIT A ., Corporate Ottices' 3 Ada' Irvine' Ca"fornla' 92618.2304 P,O, Box 57041 . Irvine. California. 92619-7041 .800.3261500 . Fax 949 7846100. www_optianonemortgagecom G:J NEW PRINCIPAL/ESCROW BALANCES 167.02-1 LATE CHARGES FEE 1 167.02-1 LATE CHARGES FEE 1 167.02-1 LATE CHARGES FEE 1 . OPTION ONE MORTGAGE REQ BY VB3 OPTION ONE MORTGAGE CORPORATION 3 ADA IRVINE, CA 92618 TELEPHONE NO.: 1-800-648-9605 CUSTOMER ACCOUNT ACTIVITY STATEMENT DATE 09/15/04 PAGE 2 EDWARD A THOMAS LOAN NUMBER: 0004480299 PROCESS DATE DUE DATE ACTIVITY FOR PERIOD TRANSACTION CODE 01/01/01 - 09/14/04 TRANSACTION DESCRIPTION EFFECTIVE DATE OF TRANSACTION TRANSACTION AMOUNT ------------------------------------------------------------------------------- PRIN. PAID/ BALANCE ESCROW PAID/ ------------OTHER------------_ INTEREST BALANCE AMOUNT CODE/DESCRIPTION ------------------------------------------------------------------------------- 659.47- 656.23 632 STATUTORY EXPENSES 0.00 0.00 630 ATTORNEY ADVANCES 0.00 0.00 632 STATUTORY EXPENSES 0.00 0.00 630 ATTORNEY ADVANCES 0.00 0.00 0.00 152 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 152 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 152 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 152 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 172 PAYMENT 0.00 172 PAYMENT 132.74 2,650.96 287,754.13 11-17-03 11-03 152 LATE 0.00 0,00 10-31-03 10-03 173 PAYMENT 3,075.39 131.53 2,652.17 287,886.87 10-31-03 09-03 173 PAYMENT 3,075.39 130.33 2,653.37 288,018,40 05-17-04 12-03 0.00 04-23-04 00-00 9.60 04-16-04 12-03 0,00 04-15-04 04-04 659.47- 04-12-04 00-00 150.00 04-12-04 00-00 650.00 04-06-04 00-00 250.00 04-06-04 00-00 325.00 03-16-04 12-03 0.00 02-17-04 12-03 0.00 01-16-04 12-03 0.00 12-16-03 12-03 0.00 11-28-03 12-03 0.59 11-28-03 11-03 3,242.41 152 LATE CHARGE ASSESSMENT 0,00 0.00 0.00 633 MISC. F/C AND B/R EXPENSES 0.00 0.00 0.00 152 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 320 TOWNSHIP TAX 0.00 0.00 167.02-1 LATE CHARGES FEE 1 167.02-1 LATE CHARGES FEE 1 NEW PRINCIPAL/ESCROW BALANCES 0,00 0.00 0.00 167.02-1 LATE CHARGES FEE 1 167.02-1 LATE CHARGES FEE 1 167.02-1 LATE CHARGES FEE 1 167.02-1 LATE CHARGES FEE 1 0.00 0.00 0.59 Z WUPAY-BY-PHONE FEE Z 291. 69 1315.70 CHARGE ASSESSMENT 0.00 0.00 167.02 1 LATE CHARGES FEE 1 NEW PRINCIPAL/ESCROW BALANCES 167.02-1 LATE CHARGES FEE 1 291. 69 1024.01 NEW PRINCIPAL/ESCROW BALANCES 291.69 732.32 NEW PRINCIPAL/ESCROW BALANCES Corporate Offices. 3 Ada. Irvine' California' 92618-2304 PO. Box 57041 . Irvine. California' 92619-7041 .8003261500. Fax 949.784.6100' wwwoptlononemortgagecom @' . OPTION ONE MORTGAGE OPTION ONE MORTGAGE CORPORATION 3 ADA IRVINE, CA 92618 TELEPHONE NO.: 1-800-648-9605 REQ BY VB3 CUSTOMER ACCOUNT ACTIVITY S1~TEMENT DATE 09/15/04 PAGE 3 EDWARD A THOMAS LOAN NUMBER: 0004480299 PROCESS DATE ACTIVITY FOR PERIOD TRANSACTION CODE 01/01/01 - 09/14/04 TRANSACTION DESCRIPTION EFFECTIVE DATE OF TRANSACTION DUE DATE TRANSACTION AMOUNT PRIN. PAID/ BALANCE ------------------------------------------------------------------------------- ESCROW PAID/ ------------OTHER------------_ INTEREST BALANCE AMOUNT CODE/DESCRIPTION ------------------------------------------------------------------------------- 10-31-03 08-03 173 PAYMENT 3,075.39 129.14 2,654.56 291.69 288,148.73 440.63 NEW PRINCIPAL/ESCROW BALANCES 10-31-03 08-03 173 PAYMENT 4,75 0.00 0.00 0.00 4.75 Z WUPAY-BY-PHONE FEE Z 10-31-03 08-03 173 PAYMENT 501.08 0.00 0.00 0.00 10-16-03 08-03 152 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 0.00 09-16-03 08-03 152 LATE CHARGE ASSESSMENT 0.00 0.00 0,00 0.00 09-02-03 08-03 319 SCHOOL TAX 2,374.24- 0.00 0.00 2374.24- 148.94 08-18-03 08-03 152 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 0.00 07-17-03 08-03 173 PAYMENT 0.00 0.00 0.00 0.00 07-16-03 07-03 173 PAYMENT 0.00 127,96 2,655.74 288,277.87 07-16-03 06-03 173 PAYMENT 6,317.78 126.80 2,656.90 288,405.83 06-16-03 06-03 152 LATE 0.00 0.00 05-14-03 06-03 173 PAYMENT 0.00 0.00 291. 69 2523.18 291. 69 2231.49 CHARGE ASSESSMENT 0.00 0.00 0.00 0,00 501.08 1 LATE CHARGES FEE 1 167.02-1 LATE CHARGES FEE 1 167.02-1 LATE CHARGES FEE 1 NEW PRINCIPAL/ESCROW BALANCES 167.02-1 LATE CHARGES FEE 1 167.00 1 LATE CHARGES FEE 1 167.00- NEW PRINCIPAL/ESCROW BALANCES 167.00 NEW PRINCIPAL/ESCROW BALANCES 167.02-1 LATE CHARGES FEE 1 20.00 2 NSF CHARGES FEE 2 20.00- 05-14-03 06-03 173 PAYMENT 0.00 0.00 0.00 0.00 167.02 1 LATE CHARGES FEE 1 167,02- 05-13-03 05-03 351 HAZARD INSURANCE DISBURSEMENT (PRIMARY POLICY) 651.00- 0.00 0,00 651.00- 1939,80 NEW PRINCIPAL/ESCROW BALANCES Corporate Offices. 3 Ada. Irvine' California' 92618.2304 PO. Box 57041 . Irvine' California' 92619-7041 . 800 3261500 . Fax 949_7846100 . wwwoptiononemortgage com G:r . OPTION ONE MORTGAGE CORPORATION 3 ADA IRVINE, CA 92618 OPTION ONE MORTGAGE TELEPHONE NO.: 1-800-64B-9605 REQ BY VB3 CUSTOMER ACCOUNT ACTIVITY S1~TEMENT DATE 09/15/04 PAGE 4 EDWARD A THOMAS LOAN NUMBER: 0004480299 PROCESS DATE ACTIVITY FOR PERIOD TRANSACTION CODE 01/01/01 - 09/14/04 TRANSACTION DESCRIPTION EFFECTIVE DATE OF TRANSACTION DUE DATE TRANSACTION AMOUNT PRIN. PAID/ BALANCE ------------------------------------------------------------------------------- ESCROW PAID/ ------------OTHER------------_ INTEREST BALANCE AMOUNT CODE/DESCRIPTION ------------------------------------------------------------------------------- 05-13-03 05-03 173 PAYMENT 0.00 125.64 2,658.06 291.69 288,532.63 2590.80 05-13-03 04-03 173 PAYMENT 3,242.41 124.49 2,659.21 291.69 288,658.27 2299.11 05-05-03 04-03 173 PAYMENT 3,095.39 0.00 0.00 0.00 04-24-03 04-03 152 LATE CHARGE ASSESSMENT 0.00 0,00 0.00 0,00 04-24-03 04-03 148 RETURN CHECK 0.00 124.49- 2,659.21- 291.69- 288,782.76 2007.42 04-14-03 04-03 172 PAYMENT 3,075.39 124.49 2,659.21 291.69 288,658.27 2299.11 04-11-03 04-03 320 TOWNSHIP TAX 607.01- 0.00 0.00 607.01- 2007.42 03-13-03 03-03 3,075.39 173 PAYMENT 123.36 2,660.34 288,782.76 03-13-03 03-03 173 PAYMENT 7.00 0.00 03-13-03 03-03 173 PAYMENT 167.02 0.00 03-13-03 02-03 173 PAYMENT 3,268.71 122.23 2,661.47 288,906.12 02-18-03 02-03 152 LATE 0.00 0.00 01-16-03 01-03 172 PAYMENT 3,064.65 121.12 2,662.58 289,028.35 12-20-02 01-03 132 LATE 0.00 0.00 291.69 2614.43 0.00 0.00 0.00 0.00 485.01 2322,74 CHARGE ASSESSMENT 0.00 0.00 280.95 1837.73 CHARGE ADJUSTMENT 0.00 0.00 NEW PRINCIPAL/ESCROW BALANCES 2,908.37- NEW PRINCIPAL/ESCROW BALANCES 3,095.39 167.02-1 LATE CHARGES FEE 1 NEW PRINCIPAL/ESCROW BALANCES NEW PRINCIPAL/ESCROW BALANCES NEW PRINCIPAL/ESCROW BALANCES NEW PRINCIPAL/ESCROW BALANCES 7.00 Z WUPAY-BY-PHONE FEE Z 167.02 1 LATE CHARGES FEE 1 NEW PRINCIPAL/ESCROW BALANCES 167.02-1 LATE CHARGES FEE 1 NEW PRINCIPAL/ESCROW BALANCES 167.02 1 LATE CHARGES FEE 1 Corporate Offices. 3 Ada' Irvine' California' 92618-2304 PO, Box 57041 . Irvine' California' 92619-7041 . 800326.1500 . Fax 949.7846100' WWwoPllononemortgagecom @' . OPTION ONE MORTGAGE OPTION ONE MORTGAGE CORPORATION 3 ADA IRVINE, CA 92618 TELEPHONE NO.: 1-800-648-9605 REQ BY VB3 CUSTOMER ACCOUNT ACTIVITY S1~TEMENT DATE 09/15/04 PAGE 5 EDWARD A THOMAS LOAN NUMBER: 0004480299 PROCESS DATE ACTIVITY FOR PERIOD TRANSACTION CODE DUE DATE 01/01/01 - 09/14/04 TRANSACTION DESCRIPTION EFFECTIVE DATE OF TRANSACTION TRANSACTION AMOUNT PRIN. PAID/ BALANCE ------------------------------------------------------------------------------- ESCROW PAID/ ------------OTHER------------- INTEREST BALANCE AMOUNT CODE/DESCRIPTION 12-17-02 12-02 3,064.65 ------------------------------------------------------------------------------- 172 PAYMENT 120.01 2,663.69 289,149.47 12-16-02 12-02 152 LATE 0.00 0.00 11-21-02 11-02 172 PAYMENT 3,231.67 118.92 2,664.78 289,269.48 11-18-02 11-02 152 LATE 0.00 0.00 10-16-02 10-02 172 PAYMENT 3,064.65 117.83 2,665.87 289,388.40 10-02-02 10-02 132 LATE 0.00 0.00 09-17-02 09-02 172 PAYMENT 3,064.65 116.76 2,666.94 289,506.23 09-16-02 09-02 152 LATE 0.00 0.00 08-21-02 08-02 319 SCHOOL 2,297.23- 0.00 280.95 1556.78 CHARGE ASSESSMENT 0.00 0.00 280.95 1275.83 CHARGE ASSESSMENT 0.00 0.00 280.95 994.88 CHARGE ADJUSTMENT 0.00 0.00 280.95 713.93 CHARGE ASSESSMENT 0.00 0,00 TAX 0.00 08-14-02 08-02 3,064.65 172 PAYMENT 115.69 2,668.01 289,622.99 07-15-02 07-02 172 PAYMENT 3,064.65 114.63 2,669.07 289,738.68 06-12-02 06-02 172 PAYMENT 3,064.65 113.59 2,670.11 289,853.31 05-13-02 05-02 351 HAZARD 596.00- 0.00 2297.23- 432.98 280,95 2730.21 280.95 2449.26 NEW PRINCIPAL/ESCROW BALANCES 167.02-1 LATE CHARGES FEE 1 167.02 1 LATE CHARGES FEE 1 NEW PRINCIPAL/ESCROW BALANCES 167.02-1 LATE CHARGES FEE 1 NEW PRINCIPAL/ESCROW BALANCES 167.02 1 LATE CHARGES FEE 1 NEW PRINCIPAL/ESCROW BALANCES 167.02-1 LATE CHARGES FEE 1 NEW PRINCIPAL/ESCROW BALANCES NEW PRINCIPAL/ESCROW BALANCES NEW PRINCIPAL/ESCROW BALANCES 280.95 2168.31 NEW INSURANCE DISBURSEMENT 0.00 596.00- 1887.36 05-09-02 05-02 3,064.65 172 PAYMENT 112.55 2,671.15 289,966,90 280.95 2483.36 PRINCIPAL/ESCROW BALANCES (PRIMARY POLICY) NEW PRINCIPAL/ESCROW BALANCES NEW PRINCIPAL/ESCROW BALANCES Corporate Offices' 3 Ada. Irvine' California' 92618-2304 P,O. Box 57041 "Irvine' Calitornia' 92619-7041.800326.1500' Fax 949,7846100. wwwoptiononemortgagecom @' . OPTION ONE MORTGAGE CORPORATION 3 ADA IRVINE, CA 92618 OPTION ONE MORTGAGE TELEPHONE NO.: 1-800-64B-9605 REQ BY VB3 CUSTOMER ACCOUNT ACTIVITY STATEMENT DATE 09/15/04 PAGE 6 EDWARD A THOMAS LOAN NUMBER: 0004480299 PROCESS DATE DUE DATE ACTIVITY FOR PERIOD TRANSACTION CODE 01/01/01 - 09/14/04 TRANSACTION DESCRIPTION EFFECTIVE DATE OF TRANSACTION ------------------------------------------------------------------------------- TRANSACTION AMOUNT PRIN. PAID/ BALANCE ESCROW PAID/ ------------OTHER-----------__ INTEREST BALANCE AMOUNT CODE/DESCRIPTION ------------------------------------------------------------------------------- 04-16-02 04-02 320 TOWNSHIP TAX 607.01- 0.00 0.00 607.01- 2202.41 NEW PRINCIPAL/ESCROW BALANCES 04-10-02 04-02 172 PAYMENT 3,064.65 111. 52 2,672.18 280.95 290,079.45 2809.42 NEW PRINCIPAL/ESCROW BALANCES 03-15-02 03-02 172 PAYMENT 3,064.65 110.51 2,673.19 280.95 290,190.97 2528.47 NEW PRINCIPAL/ESCROW BALANCES 02-19-02 02-02 172 PAYMENT 3,064.65 109.50 2,674.20 280.95 290,301.48 2247.52 NEW PRINCIPAL/ESCROW BALANCES 01-14-02 01-02 172 PAYMENT 3,083.44 108.50 2,675.20 299.74 290,410.98 1966.57 NEW PRINCIPAL/ESCROW BALANCES 12-26-01 00-00 307 ESCROW REFUND 346.15- 0.00 0.00 346.15- 1666.83 NEW PRINCIPAL/ESCROW BALANCES 12-13-01 12-01 172 PAYMENT 3,083.44 107.51 2,676.19 299.74 290,519.48 2012.98 NEW PRINCIPAL/ESCROW BALANCES 11-16-01 11-01 172 PAYMENT 3,083.44 106.53 2,677.17 299.74 290,626.99 1713.24 NEW PRINCIPAL/ESCROW BALANCES 10-10-01 10-01 172 PAYMENT 3,083.44 105.56 2,678,14 299.74 290,733.52 1413.50 NEW PRINCIPAL/ESCROW BALANCES 09-12-01 09-01 172 PAYMENT 3,083.44 104,59 2,679.11 299.74 290,839.08 1113.76 NEW PRINCIPAL/ESCROW BALANCES Corporate Offices' 3 Ada' Irvine' California' 92618-2304 PO, Box 57041 . Irvine' California' 92619-7041 . 800.3261500' Fax 949.7846100' www_optiononemorlgage com @' VERIFICATION The undersigned, the Plaintiff in the Motion for Summary Judgment, being authorized to make this Verification on behalf of the Plaintiff, hereby verifies that the facts set forth in the Motion for Summary Judgment are taken from the business records of the Mortgage held by the 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. The undersigned understands that this statement is madl: subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Option One Mortgage Corporation Dated; q 1/4/ b~ , J By~a G\k;~ Name; Lora A. Sattler Title: Sr, LepI Actio. Specialist Optioa ODe Mortgage Corp. UDREN LAW OFFICES, P.C. BY: MARKJ. UDREN,ESQUlRE ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Plaintiff . : COURT OF COMMON PLEAS : CIVIL DIVISION : Cwnberland County Option One Mortgage Corporation v. Edward A. Thomas Ceceila G. Thomas a!k/a Cecilia G. Thomas . : NO. 04-2322 Civil Term Defendant( s) CERTIFICATE OF SERVICE I, Mark J. Udren, Esquire hereby certify that I have served a true and correct copy of the Praecipe to Attach Affidavit and Verification to Plaintiffs Motion for Swnmary Judgment upon the following person(s) named herein at their last known address or their attorney of record; Regular First Class Mail Certified Mail Other Date Served; September.2., ~ 2004 xxxxx TO; Edward A. Thomas, Esquire P.O. Box 7277 Mechanicsburg, P A 17050 Attorney for Defendants UDREN LAW OFFICES, P .C. o C -:,'" .~ -n t~X~ n~fj.1 -7, .'X:.l Zr;~ ~'2 i:<:C) :'>C> ~O oYC 'Z ~ ...., = "'" ..,- ~ -0 N ....J -0 ::;.: ~ c..n 0:> ~ :i!..." ~~.~ '0 ~"~ :f-4'l 9M Q, .e. :!i1 OPTION ONE MORTGAGE CORPORATION,: IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff NO, 04-23:22 Civil Term vs. EDWARD A, THOMAS CECEILA G, THOMAS, Defendant(s) : ENTRY OF APPEARANCE AS LOCAL COUNSEL Dear Sir: I hereby enter my appearance as local counsel, in conjunction with Mark J, Udren, Esquire, for the purpose of representing the Plaintiff at Argument Court to be held at 10:30 a,m, on Wednesday, November 10, 2004 in Courtroom No, 2, dkJJ Dale F, Shughart, Supreme Court I,D, 35 East High Street, Carlisle, PA 17013 (717) 241-4311 Date: November 5, 2004 203 cc: Mark J, Udren, Esquire ~;~ ~. ,~ (') (~= :.'........ (' ': \- ! ( L~ :<l ,......., => c.=> ..;::- ::;;;]:: o <=: I (J\ o -Tl -~ i~p.1 -nm ~r;CJ c)(L ~~ ..<: -0 ..........,.. ~ ~~':' o OPTION ONE MORTGAGE CORPORATION, Plaintiff vs. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. 04-2322 CIVIL EDWARD A. THOMAS and CECEILA G. THOMAS a/k/a CECILIA G. THOMAS, Defendants IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE BAYLEY AND HESS, J.1. ORDER AND NOW, this 1" day of December, 2004, following argument thereon, the motion of the plaintiff for summary judgment is GRANTED and judgment is entered in favor of the plaintiff and against the defendants, Edward A. Thomas and Ceceila G. Thomas, a/k/a Cecilia G. Thomas, in the amount of $330,849.30, together with ongoing per diem interest, escrow advances, and any additional recoverable costs to date of Sheriff s Sale' and for foreclosure and sale of the mortgaged property. BY THE COURT, ~ward A. Thomas, Pro Se Ceceila Gloria Thomas, Pro Se P. O. Box 7277 Mechanicsburg, P A 17050 > . /Ii . Hess, J. ~ark 1. Udren, Esquire F or the Plaintiff ,.:-, :'-,~r~r, , " ,'<.,J \.J ,I.. ,,-, )\1\':(' z s ~s t;d L - 'j3G ~~ir[, . . "..': /'." ",-~ ' ,', \.\ -:"..11 }.:' f,.t,'I.>.';..j. "...f":~ .,.)1 ,.>.0 ...;'-' :{J\:\Y:J-fSS\\::\ . UDREN LAW OFFICES, PoCo BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 Defendant(s) NO. 04-2322 Civil Term PRAECIPE FOR JUDGMENT BASED ON COURT ORDER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against the Defendant(s), Edward A. Thomas and Ceceila G. Thomas a/k/a Cecilia G. Thomas pursuant to the Court's Order dated December 7, 2004 (in accordance with the Complaint) and for foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: As set forth in Court Order Interest per Court Order From 9/16/04 to 12/7/04 Escrow payment per Court Order From 9/16/04 to 12/7/04 $330,849.30 V 7,230.13 875.07 TOTAL $338.954.50 I hereby Defendant are as pursuant to Rule certify that (1) shown above, and PA.R.C.P. 237 the addresses of the Plaintiff and (2) that no further not~ce is required 37.1. M A 11']1 dJ)()~ ?fTED 4 jd-e> :Q . PRO PROTHY DAMAGES ARE DATE: }:p J') HEREBY ASSESSED AS I . UDREN LAW OFFICES, P.C. BY: MARK J. UDREN, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 Defendant(s) NO. 04-2322 Civil Term AFFIDAVIT OF NON-MILITARY SERVICE STATE OF NEW JERSEY SS COUNTY OF CAMDEN THE UNDERSIGNED being duly sworn, deposes and says that the averments herein are based upon investigations made and records maintained by us either as Plaintiff or as servicing agent of the Plaintiff herein and that the above Defendant(s) are not in the Military or Naval Service of the United States of America or its Allies as defined in the Servicemembers' Civil Relief Act (108 P.L. 189; 117 Stat. 2835; 2003 Enacted H.R. 100), and that the age and last known residence and employment of each Defendant are as follows: Defendant: Ceceila G. Thomas a/k/a Cecilia G. Thomas Over 18 As captioned above Unknown Age: Residence: Employment: Defendant: Age: Residence: Employment: Edward A. Thomas Over 18 As captioned above Unknown Sworn to and subscribed before me this lOth day of February, 2005. 0/')\ ;"-1)0 t}L0l v) Notary Public Name: Title: Company: RK J. UDREN, ESQ. ATTORNEY FOR PLAINTIFF UDREN LAW OFFICES, P.C. CARP. STEARS NOTARY PUBUC Of NEW JERSEY CommIssIon expires 4/16/2008 ~ o -:-G ~~~~ ~-~F- ~ ~. -=- ~ ~~ J:- - ~ \ ;'\. ".',\ '~""\ \' ,", -~ .. t.-l C,..-' UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 Defendant(s) NO. 04-2322 civil Term PRAECIPE FOR WRIT OF EXECUTION TO THE SHERIFF: Issue Writ of Execution in the above matter: Amount due Interest From 12/8/04 to Date of Sale June 8. 2005 Per diem @$87.11 $338.954.50 15.941.13 (Costs to be added) $ UD Ma J. AT RNEY -rJ '"t>'\ ~ - ~ ~~ QJ ~-:O~ w - ~\ \)V f' Vl ~ - ~ lI{ \) V"t I/) \) II) 0 In () c:. C -0 C C C Q ..o\J } ~ " \ I n-J - r2 \ \ \ ~ }J - ~r ~~ - ;:. -:: - -::. - -~ t: - - - D ~ - - :. ~ -t- - t. - ~ + ........: ~ tI'\ ~ ,..---. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 04-2322 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due OPTION ONE MORTGAGE CORPORATION Plaintiff (5) From EDWARD A. THOMAS AND CECEILA G. THOMAS AlKlA CECILIA G. THOMAS (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) Ifproperty 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 himlber that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $338,954.50 L.L. $.50 Interest FROM 12/8/04 TO DATE OF SALE 6/8/05 - PER DIEM @$87.11 - $15,941.13 Atty's Comm % Due Prothy $1.00 Atty Paid $133.59 Plaintiff Paid Date: FEBRUARY 17, 2005 Other Costs CURTIS R. LONG (Seal) Prothonotary ~AlVI..D J?~("h'.I2.-'l' r Deputy REQUESTING PARTY: Name MARK J. UDREN, ESQUIRE Address: WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 Attorney for: PLAINTIFF Telephone: 856-669-5400 Supreme Court 10 No. 04302 UDREN LAW OFFICES, PoCo BY: Mark J. Udren, Esquire ATTY I,D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE Plaintiff v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 NO. 04-2322 Civil Term Defendant(s) C E R T I FIe ATE Mark J. Udren, Esquire, hereby states that he is the attorney for the Plaintiff in the above-captioned matter and that the premises are not subject to the provisions of Act 91 because it is: An FHA insured mortgage Non-owner occupied Vacant X Act 91 procedures have been fulfilled. Over 24 months delinquent. This certification is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. ark J. Udren, ESQUIRE TTORNEY FOR PLAINTIFF . . UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE Plaintiff v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 NO. 04-2322 civil Term Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129.1 Option One Mortgage Corporation, Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 5141 S. Deerfield Avenue, Mechanicsburg (Hampden Township), PA 17050 1. Name and address of Owner(s) or reputed Owner(s): Name Address Edward A. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS # 1 ABOVE 3. Name and address of every judgment creditor whose judgment ~s a record lien on the real property to be sold: Name Address None 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff herein. See Caption above. . 5. Name and address of every other person who has any record lien on the property: Name Address 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: Name Address Real Estate Tax Department 1 Courthouse Sq., Carlisle, PA 17013 Domestic Relations Section 13 N. Hanover St. Carlisle, PA 17013 Commonwealth of PA, Department of Revenue Bureau of Compliance, Dept. 280946 Harrisburg, PA 17128-0946 7. Name and address of every knowledge who has any interest the sale: Name other person of whom the plaintiff has in the property which may be affected by Address Tenants/Occupants 5141 S. Deerfield Avenue Mechanicsburg (Hampden Township), PA 17050 Edward A. Thomas, Esq. P.O. Box 7277 Mechanicsburg, PA 17050 DATED: February 10, 2005 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 penal ties of 18 Pa.C.S. sec. 4904 relating to unsworn falsification to authorities. U<~w M rk J. Udren, ESQ. At orney for Plaintiff ,- " UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE Plaintiff v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 NO. 04-2322 civil Term Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 Your house (real estate) at 5141 S. Deerfield Avenue, Mechanicsburg (Hampden Township), PA 17050 is scheduled to be sold at the Sheriff's Sale on June 8, 2005, at 10:00 am in the Commisioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $338,954.50, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the charges, costs and reasonable attorney's fees. you may call: (856) 669-5400. mortgagee the back payment, late 1'0 find out how much you must pay, 2. You may be 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 may also be able to stop the sale through other legal proceedings. 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 on how to obtain an attorney,) r YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-669-5400. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will 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 856-669.5400. 4. 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. 5. You have the 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. 6. You may be 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 within 30 days after the sale. This schedule will state who will be receiving that 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 Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home 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 OOT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOOD CREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE Plaintiff v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 NO. 04-2322 civil Term Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Edward A. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 Your house (real estate) at 5141 S. Deerfield Avenue, Mechanicsburg (Hampden Township), PA 17050 is scheduled to be sold at the Sheriff's Sale on June 8, 2005, at 10:00 am in the Commisioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $338,954.50, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff1s Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney1s fees. To find out how much you must pay, you may call: (856) -669-5400. 2. You may be 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 may also be able to stop the sale through other legal proceedings. 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 on how to obtain an attorney.) lII' YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-669-5400. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will 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 856-669-5400. 4. 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. 5. You have the right to remain in the property until paid to the Sheriff and the Sheriff gives a deed to the buyer. buyer may bring legal proceedings to evict you. the full amount due is At that time, the 6. You may be 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 within 30 days after the sale. This schedule will state who will be receiving that 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 Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home 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, LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ~ . UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOOD CREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE Plaintiff v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 NO. 04-2322 Civil Term Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Ceceila G. Thomas a/k/a Cecilia G. Thomas C/o Edward A. Thomas, Esq. P.O. Box 7277 Mechanicsburg, PA 17050 Your house (real estate) at 5141 S. Deerfield Avenue, Mechanicsburg (Hampden Township), PA 17050 is scheduled to be sold at the Sheriff's Sale on June 8, 2005, at 10:00 am in the Commisioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $338,954.50, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call, (856) 669-5400. 2. You may be 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 may also be able to stop the sale through other legal proceedings. 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 on 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. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-669-5400. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will 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 856-669.5400. 4. 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. 5. You have the right to remain in the property until paid to the Sheriff and the Sheriff gives a deed to the buyer. buyer may bring legal proceedings to evict you. the full amount due is At that time, the 6. You may be 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 within 30 days after the sale. This schedule will state who will be receiving that 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 Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home backl 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 . UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE Plaintiff v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 NO. 04-2322 Civil Term Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Edward A. Thomas C/o Edward A. Thomas, Esq. P.O. Box 7277 Mechanicsburg, PA 17050 Your house (real estate) at 5141 S. Deerfield Avenue, Mechanicsburg (Hampden Township), PA 17050 is scheduled to be sold at the Sheriff's Sale on June 8, 2005, at 10:00 am in the Commisioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $338,954.50, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE TO prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856)-669-5400. 2. You may be 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 may also be able to stop the sale through other legal proceedings. 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 on 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. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-669-5400. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will 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 856-669-5400. 4. 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. 5. You have the right to remain in the property until paid to the Sheriff and the Sheriff gives a deed to the buyer. buyer may bring legal proceedings to evict you. the full amount due is At that time, the 6. You may be 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 within 30 days after the sale. This schedule will state who will be receiving that 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 Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOOD CREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 04-2322 Civil Term v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 Defendant(s) DATE: February 10, 2005 TO: ALL PARTIES IN INTEREST AND CLAIMANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY OWNER(S): Edward A. Thomas and Ceceila G. Thomas a/k/a Cecilia G. Thomas PROPERTY: 5141 S. Deerfield Avenue, Mechanicsburg (Hampden Township), PA 17050 Improvements: RESIDENTIAL DWELLING The above captioned property is scheduled to be sold at the Cumberland County Sheriff's Sale on June 8, 2005, at 10:00 am, at the Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA. Our records indicate that you may hold a mortgage or judgment on the property which will be extinguished by the sale. You may wish to attend the sale to protect your interests. A Schedule of Distribution will be filed by the Sheriff on a date specified by the Sheriff not later that 30 days after sale. Distribution will be made in accordance with the schedule unless exceptions are filed thereto within 10 days after the filing of the schedule. UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER III WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Option One Mortgage Corporation COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County Plaintiff v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas NO. 04-2322 Civil Term Defendant(s) CERTIFICATE OF SERVICE I, Mark J. Udren, Esquire, hereby certify that I have served true and correct copies of Notice of Sale upon the following person(s) named herein at their last known address or their attorney of record. Regular First Class Mail , Certified Mail Other (certificate of mailing) Date Served: April 25, 2005 xxxxxx xxxxxx TO: USA US Dept. of Justice US Attorney Federal Bldg. 228 Walnut Street P.O. Box 11754 Harrisburg, Pa 17108 By: Mark J. 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" ::. ~ 9. 0"':-' "i\~\I...lO~~ a g; z~_.o (IJ;~ ~~'A.~ ::r::r~p:l %.~~~ ~-g~;!?. ~.g :D~aa~.~. ,g,<'ii!"5:-:''a _.~ -(I) (\) !..'$a% % ,,~ n ;" ~ ..:::5" g (tl 0' 'at.~ (t\ ..... " - "'&. (l1g~ "'~'" Sl.-.::< ':;:::~I,n 'H,... B!,.1:03 nO'O o-~ -g. "3 ~ $~CI) o S'~ -lj;1 (jj z.12. ~ w _g. q:9. ~ ~ , m ~~ -" - o",E. g~ -;.. %~ - ".. 'i1 --n:Dre ~}J~ i:' ~ "''''Ii $9- .,,'" $;t. " ,,1lo ~" " ~ ?}: '." ro " ------- r) t~,-, co c;;;:) C_rl C) ....'n ::-3 ~ i"1 '.... C") ~ UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003 856-669-5400 Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 04-2322 Civil Term v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas United States of America Defendant(s) STIPULATION BETWEEN PLAINTIFF AND THE UNITED STATES OF AMERICA It is hereby stipulated and agreed by and between counsel for Plaintiff, and the Defendant, United States of America, as follows: 1. That the premises referred to in the legal description attached to the Complaint are owned by the Defendant(s). 2. That the Federal tax lien(s) against the defendant is junior in time to the Plaintiff's mortgage set forth in paragraph 3 of said Complaint. 3. That the Defendant, United States of America, is not indebted to Plaintiff. 4. That the Defendant, United States of America, agrees to the entry in this action of a judgment in favor of the Plaintiff and against the United States of America for foreclosure and sale , . of the mortgaged property. 5. That the aforesaid premises shall be sold at a judicial sale, notice of which shall be served on the Defendant, United States of America. 6. That the judicial sale of said property shall discharge the Federal lien with respect to the premises referred to in paragraph 3 of said Complaint. 7. That the proceeds of sale shall be divided and distributed as the parties may be entitled. 8. That the Defendant, United States of America, preserves its right of redemption as provided in Title 28 United States Code, Section 2410(c). 9. The parties to this stipulation shall bear their own respective costs in this proceeding. Respectfully submitted: Thomas A. Marino, ESQUIRE-US ATTORNEY ~dle of nnsylvania ~~Q~ ioJ""-.J___ 7)~ . d A'ss~stant n~te States Attorney for the Defendan, , United States of America n; Mark J. Ud~ ;~" ui e UDREN LAW OFFICES, .C. 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NEW JERSEY 08003 856-669-5400 Attorney for Plaintiff ~ ,,' ":~ C:.:l c.,! ...1 -n :::-j ;"11 \..0 r....) ct'. UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-482-6900 ATTORNEY FOR PLAINTIFF Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County 1"-.) ~~) "':.', ,.:..T"t o " ::;:! i71 NO. 04-2322 Civil Term' \D v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas Defendant(s) -n ), r-0 t"J'j _.'.' "";... CONSENT TO BE JOINED AS DEFENDANT AND ACCEPTANCE OF SERVICE It is hereby agreed by and between the United States of America and the above-named Plaintiff that: 1. The United States of America hereby consents to being joined as a party Defendant in the above-captioned matter, pursuant to 28 U.S.C. Section 2410 (a); and 2. The United States Service of the Complaint in captioned matter. of America hereby accepts Original Mortgage Foreclosure in the above- .e""",C7l ssistant the Defend Mark J. ~d n sq UDREN LAW FICES, 111 WOOD~REST ROAD, UITE 200 CHERRY HILL, NEW JERSEY 08003 856-669-5400 Attorney for Plaintiff ~~ ,..., c:;-:.' ~~ C) " ::;j "J =;':~ f"...) (11 UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOOD CREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE Plaintiff v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 NO. 04-2322 Civil Term Defendant(s) AMENDED AFFIDAVIT PURSUANT TO RULE 3129.1 Option One Mortgage Corporation, Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 5141 S. Deerfield Avenue, Mechanicsburg (Hampden Township), PA 17050 1. Name and address of Owner(s) or reputed Owner(s): Name Address Edward A. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS #1 ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address None 4. Name and address of the last recorded holder of every mortgage of record: Name Plaintiff herein. Address See Caption above. 5. Name and address of every other person who has any record lien on the property: Name Address 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: Name Address Real Estate Tax Department 1 Courthouse Sq., Carlisle, PA 17013 Domestic Relations Section 13 N. Hanover St. Carlisle, PA 17013 Commonwealth of PA, Department of Revenue Bureau of Compliance, Dept. 280946 Harrisburg, PA 17128-0946 IRS Technical Support Grp. William Green Federal Bldg. 600 Arch Street, Room 3259 Philadelphia, Pa 19106 Attorney General of US US Dept. Of Justice Rm. 5111 loth & Constitution Ave. N.W. Washington D.C. 20531 USA Us Dept. Of Justice, Us Atty. Fed Bldg. 228 Walnut Street, P.O. Box 11754 Harrisburg, Pa 17108 IRS US Treasury Dept. Pittsburgh Office, Room 808 1000 Liberty Avenue Pittsburgh, Pa 15222-9974 7. Name and address of every knowledge who has any interest the sale.: Name other person of whom the plaintiff has in the property which may be affected by Address Tenants/Occupants 5141 S. Deerfield Avenue Mechanicsburg (Hampden Township), PA 17050 Edward A. Thomas, Esq. P.O. Box 7277 Mechanicsburg, PA 17050 I verify that the statements made in thi affid to the best of my personal knowl dge 0 understand that false statements her in r of 18 Pa.C.S. sec. 4904 relating to u swo n are true and correct tion and belief. I ject to the penalties tion to au orities. DATED: April 22, 2005 Mar J. Udren, ESQ. Attorney for Plaintiff UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 04-2322 Civil Term v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 Defendant(s) DATE: March 7, 2005 TO: ALL PARTIES IN INTEREST AND CLAIMANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY OWNER(S): Edward A. Thomas & Ceceila G. Thomas a/k/a Cecilia G. Thomas PROPERTY: 5141 S. Deerfield Avenue Mechanicsburg (Hampden Township), PA 17050 Improvements: RESIDENTIAL DWELLING The above captioned property is scheduled to be sold at the Cumberland County Sheriff's Sale on June 8, 2005, at 10:00 am, at the Commissioners Hearing Rooms 2nd Floor Courthouse, Carlisle, Pa. Our records indicate that you may hold a mortgage or judgment on the property which will be extinguished by the sale. You may wish to attend the sale to protect your interests. A Schedule of Distribution will be filed by the Sheriff on a date specified by the Sheriff not later that 30 days after sale. Distribution will be made in accordance with the schedule unless exceptions are filed thereto within 10 days after the filing of the schedule. 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No.; us Oepr Of .' S arPO 80x No, 10"' & C~ns~~~~' Room 5111 ciJY~-si8je:Zip.;.4-'--'-- NW. Washifll'11011, ~~~: 20531 PS Form 3800, Jl.lfle 2002 See Reverse for InstructlGl\S EXHIBIT F ;] !" d' ~ ?< ~ , 5' ::f 1i- is" '" , Z ~ a' 3 ~3g- . , ;p . <T ~ j ~ '" "" o o ". B' 3 "" ~ CJ 5' CJ JJ .&: !!l " ""' 0 JJ W . l.r1 n . CJ jj: CJ CJ CJ .&: 0> W .&: I"" I.&: CJ I CJ I ru a D: I ~ ~ 6 N ~ ~ ~ o 7hCt'J1UJ tpYt!5t'>~/ ~u )litOt.diCc?/(6X{; cj ~~~g ~~.g~ '" 0""-'< ~~z~ <.C<:C<lI .g g.g~ o)>!/J Q, 0~8fi ~ 3 ~ ~ !" i" ,. . . )> Q~~-u;:o;() " 5' 0':; :J. (Jl 0 .. ::J~~a.33 I:: _::ra'< ~"2. 0. ~:T~g::;;!l OJ _ (ij:" (J) ., :c (l) . ann:JCD;;;: ~ :Jmm(l)!a.m 0. ::a:J ~ fi.~ R - iil - Ulo_m~..... "'C c:J - ~g3a.ot.,) CD CD .... Dl CD m "0 0" ::T a. == ::::l mOl(J)!;-(%"o. 3~g!-<~ ;:+0 a -")> (1)- 0(1)- .:fo::lg.~ ([) '< :r !!? (") 30"[0 w F... 3 =: CD. "0 "2. ai ro (l) (ri or J~ CD " po >< '" ;;; JJ -< 0. . m "- n ."' . 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AJa^llep J.O p.JooeJ'V _ 939!dnew JnoA: JOj JSUlIUapl 9nb!un 'V . arm 3800, June 2002 (Reverse) Jd!a:l9J 6umew V . :sap!AOld new palllpa:! >::XHIRlT ~ ~~~f. n ~ rg. a g a c.. &- w-<1 f[ ~ a ~~ ~. = ~ -< ~ ~ ~~ jJj o!l"O ci1 P 3 ~ ~ :0 (Il B ~ '9:- o ~ Q' ;:: . il ~ . o 0. 0' m SENDER: COMPLETE THIS SECTION . . . . . Complete items 1, 2, and 3. Also complete item 4 jf Restricted Delivery is desired. . Print your name and address on the reverse so that we can return the card to you. . Attach this card to the back of the mailpiece. or on the front jf space permits. A. Signature X ~ B, Recei'M'AY( frnr. Ie o Agent o Addressee Date of D€livery 1. Article Addressed to: D. Is delivery address different from item 17 0 Yes 11 YES, enter delivery address below: 0 No A"omey G6I1eraJ 01 US u~ Pept. oj Justice, Aoom 5111 10 & Consl'rtutlon Ava. N.W. Wastlington, D.C. 20531 3. Service Type erCertifJed Mail tJ Registered o Insured Mail o 9press Mail C Retum Receipt for Merchandise Oe,Q,D, 4. 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Postal Service"" CERTIFIED MAIL", RECEIPT {Domestic Mail Only; No Insurance Coverage Provided} PtlStage $ ~\ Certified Fee 0'30 Postmark Return Reclept Fee 17~-" He'" (Endorsement Required) Restricted Delivery Fee (Endorsement RequIred) Total Postage.\ Fees $ ~ ;T ;T CJ CJ CJ CJ l'- l'- Sent To :5f;eef,7fpfNo.;...--n_--u. or PO Box No. City,-State;Zip;:r..m...n. IRS Technical Support Group William Green FEKkIral Bldg. 600 Arch Street, Rcam325& Philadalphia, pa 19106 P$ Form 3800, June 2002 See Reverse 10t InstructIons FXHiBlT I', (i ~(},5G' 'lhcm1:5 IJi/I-"' , . j AI 4' '.1 J~/X#,q; ('-U/Nj'/.2.f.a lid {ex cJ '" '" (J) 6' ~$ 3 ~ t> '" ' z ()l :r ~ := 3 ~ ." ~ g. ?r 2 ~ ~ g '" = o o ... . . . o C/J"'tl;:+() ?> ~i':io=,mo 0" o~::ta33 CD ::]::r ~ '< .jl..'Q.. >0. ::f_:;g::o;~ CD :r. < -. :D (1l ..... :::t(l) (II ::J @ ;:0; OOnl>>~(tl i aE!l'~3:::1.3 ! ~o.ca C1l $l~ ?t ~oe~a- llJS3C.o,!"J g(tlg.~~~ "Cl i (tl g.. 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'I!BW paJ9!9!ti9H JO pS1MUI J9P1SUOO aseald 'S9lcrenl8'^ 10d "1!9W pa!J!l.le:) 4UM 0301AOk:ld 51 aOVI::I3^OO 30N\iBOSNl ON . "1!'9UlIl3'UOnBwaUJ! JO ssep A:us JOI alqSlfeAe JOU 91 nevv pSU!(.J8:) _ \l'l1Jtl'VV A,!JO!Jd JO lli1!eW SS'eJ~NS,J!::::! 4l!M P9U!qwoo eq ^ lNO lI:ew HeW psmUaa _ :SJepU/WBI:/ I.UB#OaWI Sl"9aA OMl J04 a~IU3S l'elSOd e/.U Aq wall I\JIM!l9P}O pJ009J V . eo9!d1!2LU mOA Jo, laij.!lU9P! enb!un V . PS Form 3800, June 2002 (Reverse) Id(EloaJ 6UmeUl V . :Sap!AOld nBW pa!I!J.I9:J EXHIBIT p, } - lhO ) j;J Option One Mortgage Corporation VS Edward A Thomas and Ceceila G, Thomas a/kJa Cecilia G. Thomas In The Court of Common Pleas of Cumberland County, Pennsylvania Writ No, 2004-2322 Civil Term Jason Vioral, Deputy Sheriff, who being duly sworn according to law, states that on March 07, 2005 at 6:59 o'clock PM, he served a true copy of the within Real Estate Writ, Notice of Sheriffs Sale and Description, in the above entitled action, upon the within named defendants, to wit: Edward A Thomas and Ceceila G, Thomas a/kJa Cecilia G, Thomas, by making known unto Edward Thomas, personally and husband of Ceceiia G, Thomas, at 5141 S, Deerfield Ave" Mechanicsburg, Cumberland County, Pennsylvania, its contents and at the same time handing to him personally the said true and correct copy of the same, Robert Bitner, Deputy Sherift~ who being duly sworn according to law, states that on April 07, 2005 at 12:46 o'clock P.M., he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Edward G. Thomas and Ceceila G, Thomas a/kJa Cecilia Q, Thomas, located at 5141 S, Deertield Ave., Mechanicsburg, Pennsylvania, according to law, R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendants, to wit: Edward A Thomas and Ceceila G, Thomas a/kfa Cecilia Q, Thomas, by regular mail to their last known address of 5141 S, Deerfield Ave" Mechanicsburg, P A 17050, These letters were mailed under the date of April 18, 2005 and never returned to the Sheriffs Office. This day of r~~~~ R, Thomas Kline, Sheriff Sworn and subscribed to before me 2005, AD, Prothonotary BY I...jcclc, ,~vvJ::tC Real Estate Deputy EXHIBIT F ~""-<...,-_._--,. ('." :-:-1 C"..) UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE Plaintiff v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 NO. 04-2322 Civil Term Defendant(s) AMENDED AFFIDAVIT PURSUANT TO RULE 3129.1 Option One Mortgage Corporation, Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 5141 S. Deerfield Avenue, Mechanicsburg (Hampden Township), PA 17050 1. Name and address of Owner(s) or reputed Owner(s): Name Address Edward A. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS #1 ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address None 4. Name and address of the last recorded holder of every mortgage of record: Name Plaintiff herein. Address See Caption above. 5. Name and address of every other person who has any record lien on the property: Name Address 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: Name Address Real Estate Tax Department 1 Courthouse Sq., Carlisle, PA 17013 Domestic Relations Section 13 N. Hanover St. Carlisle, PA 17013 Commonwealth of PA, Department of Revenue Bureau of Compliance, Dept. 280946 Harrisburg, PA 17128-0946 IRS Technical Support Grp. William Green Federal Bldg. 600 Arch Street, Room 3259 Philadelphia, Pa 19106 Attorney General of US US Dept. Of Justice Rm. 5111 loth & Constitution Ave. N.W. Washington D.C. 20531 USA Us Dept. Of Justice, Us Atty. Fed Bldg. 228 Walnut' Street, P.O. Box 11754 Harrisburg, Pa 17108 IRS US Treasury Dept. Pittsburgh Office, Room 808 1000 Liberty Avenue Pittsburgh, Pa 15222-9974 7. Name and address of every knowledge who has any interest the sale-: Name other person of whom the plaintiff has in the property which may be affected by Address Tenants/Occupants 5141 S. Deerfield Avenue Mechanicsburg (Hampden Township) , PA 17050 Edward A. Thomas, Esq. P.O. Box 7277 Mechanicsburg, PA 17050 I verify that the statements made in thi affid to the best of my personal know 1 dge 0 understand that false statements her in r of 18 Pa.C.S. sec. 4904 relating to u swo n are true and correct tion and belief. I j ect to the penal ties tion to au ri ties. DATED: April 22, 2005 Mar J. Udren, ESQ. Attorney for Plaintiff UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOOD CREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 04-2322 Civil Term v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 Defendant(s) DATE: March 7, 2005 TO: ALL PARTIES IN INTEREST AND CLAIMANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY OWNER(S): Edward A. Thomas & Ceceila G. Thomas a/k/a Cecilia G. Thomas PROPERTY: 5141 S. Deerfield Avenue Mechanicsburg (Hampden Township), PA 17050 Improvements: RESIDENTIAL DWELLING The above captioned property is scheduled to be sold at the Cumberland County Sheriff's Sale on June 8, 2005, at 10:00 am, at the Commissioners Hearing Rooms 2nd Floor Courthouse, Carlisle, Pa. Our records indicate that you may hold a mortgage or judgment on the property which will be extinguished by the sale. You may wish to attend the sale to protect your interests. A Schedule of Distribution will be filed by the Sheriff on a date specified by the Sheriff not later that 30 days after sale. Distribution will be made in accordance with the schedule unless exceptions are filed thereto within 10 days after the filing of the schedule. EX\-IIBn . co'-~ ..,0-" ~-::.!!2 ~ ~~ ';';:..~ 0 ~~ m Q;J E"a .c _ 0 o.OQ E."'- s(ii~ r/Jg.Q :~~tg ~~'g '" ~~ "$<<i o E. ~~ 0: ~~ UJu.. ~ 0. $ .~ if)u- c Oi ~~$ .0:"- " Q ~ :;; e.-oo -'t: ~o "UJU E w- " ~- d;Cl ~~ ~ atii U)c:E:::> Q ~ ~:; :;~ " .- 1ii~'=.s "g.; ~ g 0."00- g- ~c. a ~*:€-€ 0\1l} 'al,s>;n: g E' <5 ~OO ~ 8 :I: s '" ~ "'- ~ .; (ii"en ~~ u_ "'~ .s ~ _ 0 9- '0_ III ~';:a 'al",~::E 0: f/J 8 III c:'15Q;JUl :aa~~ ~~~~ D~DO '0 '" 2"0 -g I1l a:. .- "0500t!. ~~u8 DDDe o o ~'" $" c.~~ . Q) ::) to (.l(.lW", . 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Also complete item 4 jf Restricted Delivery is desired. . Print your name and address on the reverse so that we can return the card to you. . Attach this card to the back of the mailpiece, or on the front if space permits. 1. Article Addressed to: A. Signature X ~ o Agent o Addressee B. ReceiWfAY( fnr 2mr.j I C. Date of Delivery D. Is delivery address different from item 1? 0 Yes If YES, enter delivery address below: 0 No Attomey General of US U~ Depl. oj Justice, Room 5111 10 & ConstltullonAV8. N.W. Washington. D.C. 20531 3. Service Type ElCertifled Mail o Registered o Insured Mall o j;xpress Mall 0- Retum Receipt for Merchandise o C,Q,O, 4. Restricted Delivery? (Extra Fee) DYes 2. Article Number (Transfer from service label) PS Form 3811 , February 2004 7004 1350 0004 8347 4002 Domestic Return Receipt 102S9S.02-M-1540 EXHIBIT -u gp~ -i jj tr tr tr [J'" 2:0~~cn tr [J'" ji) =:::T iTI iTI 0.:t>$ll:J co C'! 3 -, l'- l'- _ " "0 :J" Ci) OJ ;T .:t" ;:r - iTI iTI 65' S!? 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'"eW paJ91S!6el:j JO ps.InSUI Jap!suoo ase91d 's9IQeOl&A JO~ "l!eVII paU!JJ9:) lW,M Q3G1^O~d SI 3DV'H3AOO 3:JNVl::fnSNl ON . "new leUO!!eWSlU! 10 ssep ,t;lm 101 Qjqel!lMe IOU S! lIeW pe!J!jJ9:J _ IilUew AJ!JOPd JO Ii'JJeW ssel:J~ts.l!::Il\llM pau!Qwoo aq ^'NO Aew HeW pamu90 _ :S.lSPUIWal:l WeJ,JOdwJ SJeaJi OMl. JOI90fNBS IBISOd 9lP ~q !da)j AJ9AU9P to pJO::1eJ'TJ . BOBldlfew Jno,( JOI JamiUep! enb!un 'tJ . PS Form 3600, June 2002 (Reverse) id!B:>eJ 6umew V . :S8PIAOJd new P8!1!1.I8:J EXHIBIT I. -J D & , Option One Mortgage Corporation VS Edward A. Thomas and Ceceila G. Thomas a/k/a Cecilia G, Thomas In The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2004-2322 Civil Term Jason Vioral, Deputy Sheriff, who being duly sworn according to law, states that on March 07, 2005 at 6:59 o'clock PM, he served a true copy of the within Real Estate Writ, Notice of Sheriffs Sale and Description, in the above entitled action, upon the within named defendants, to wit: Edward A. Thomas and Ceceila G, Thomas a/k/a Cecilia G, Thomas, by making known unto Edward Thomas, personally and husband of Ceceiia G, Thomas, at 5141 S. Deerfield Ave., Mechanicsburg, Cumberland County, Pennsylvania, its contents and at the same time handing to him personally the said true and correct copy of the same. Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on April 07, 2005 at 12:46 o'clock P,M., he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Edward G, Thomas and Ceceila G, Thomas a/k/a Cecilia G. Thomas, located at 5141 S. Deerfield Ave" Mechanicsburg, Pennsylvania, according to law, R, Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendants, to wit: Edward A, Thomas and Ceceila G. Thomas a/k/a Cecilia G. Thomas, by regular mail to their last known address of 5141 S, Deerfield Ave" Mechanicsburg, P A 17050, These letters were mailed under the date of April 18, 2005 and never returned to the Sheriffs Office. Sworn and subscribed to before me This _ day of 2005, A,D. Prothonotary ~~-, <r<:~~ R. Thomas Kline, Sheriff BY ,J-::d...c\:\.'IAiiL Real Estate Deputy EXHIBIT F (-'j (;', f".....:, 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 Sheriffs Deed in which Option One Mtg Loan Trust 2001,3 Trustee is the grantee the same having been sold to said grantee on the 7th day of September A.D., 2005, under and by virtue of a writ Execution issued on the 17th day of Februrarv, A.D., 2005, out of the Court of Common Pleas of said County as of Civil Term, 2004 Number 2322, at the suit of Option One Mtg Corp against Edward A Thomas & Ceceila G aka Cecilia G is duly recorded in Deed Book No. 272" Page 4121. IN TESTIMONY WHEREOF, I have ~reunto set my hand and eal of said office this /9 day of , A.D, O2oL Option One Mortgage Corporation VS Edward A. Thomas and Ceceila G, Thomas a/k/a Cecilia G, Thomas In The Court of Common Pleas of Cumberland County, Pennsylvania Writ No, 2004-2322 Civil Term Jason Vioral, Deputy Sheriff, who being duly sworn according to law, states that on March 07, 2005 at 6:59 o'clock PM, he served a true copy of the within Real Estate Writ, Notice of Sheriffs Sale and Description, in the above entitled action, upon the within named defendants, to wit: Edward A. Thomas and Ceceila G, Thomas a/k/a Cecilia G. Thomas, by making known unto Edward Thomas, personally and husband of Ceceila G. Thomas, at 5141 S. Deerfie1d Ave., Mechanicsburg, Cumberland County, Pennsylvania, its contents and at the same time handing to him personally the said true and correct copy of the same. Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on April 07, 2005 at 12:46 o'clock P.M., he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Edward G. Thomas and Ceceila G, Thomas a/k/a Cecilia G. Thomas, located at 5141 S. Deerfield Ave" Mechanicsburg, Pennsylvania, according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendants, to wit: Edward A. Thomas and Ceceila G. Thomas a/k/a Cecilia G. Thomas, by regular mail to their last known address of 5141 S. Deerfield Ave., Mechanicsburg, P A 17050. These letters were mailed under the date of April 18, 2005 and never returned to the Sheriffs Office. R. Thomas Kline, 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 September 7, 2005 at 10:00 o'clock A.M. He sold the same for the sum of$1.00 to Attorney Mark Udren for Wells Fargo Bank, N.A. as Trustee for Option One Mortgage Loan Trust 2001-3, Asset Backed Certificates, Series 2001-3, It being the highest bid and best price received for the same, Wells Fargo Bank, N.A., as Trustee for Option One Mortgage Loan Trust 2001-3, Asset Backed Certificates, Series 2001-3 ofP,O. Box 57038, Irvine, CA 92619, being the buyer in this execution, paid to SheriffR, Thomas Kline the sum of$893.45. Sheriffs Costs: Docketing Poundage Posting Bills Advertising Acknowledging Deed $30.00 17.52 15.00 15.00 30.00 Auctioneer Law Library Prothonotary Mileage Certified Mail Levy Surcharge Postpone Sale Postage Law Journal Patriot News Share of Bills Distribution of Proceeds Sheriff's Deed 10.00 .50 1.00 16.28 2.14 15.00 30.00 20.00 ,74 311.90 297.40 16.47 25.00 39.50 $ 893.45 Sworn and subscribed to before me 2006, A.D, so~..~,~~~ R, Thomas Kline, Sheriff ~:~~~ JYv-'- ,v 0.> 3DC . b.v /, ,; Ch... 5:2S45 IL /73)51 UDREN'LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOOD CREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE Plaintiff v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 NO. 04-2322 Civil Term Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129.1 Option One Mortgage Corporation, Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 5141 S. Deerfield Avenue, Mechanicsburg (Hampden Township), PA 17050 1. Name and address of Owner(s) or reputed Owner(s): Name Address Edward A. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS #1 ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address None 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff herein. See Caption above. 5. Name and address of every other person who has any record lien on the property: Name Address 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: Name Address Real Estate Tax Department 1 Courthouse Sq., Carlisle, PA 17013 Domestic Relations Section 13 N. Hanover St. Carlisle, PA 17013 Commonwealth of PA, Department of Revenue Bureau of Compliance, Dept. 280946 Harrisburg, PA 17128-0946 7. Name and address of every knowledge who has any interest the sale: Name other person of whom the plaintiff has in the property which may be affected by Address Tenants/Occupants 5141 S. Deerfield Avenue Mechanicsburg (Hampden Township) , PA 17050 Edward A. Thomas, Esq. P.O. Box 7277 Mechanicsburg, PA 17050 DATED: 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. sec. 4904 relating to unsworn falsification to authorities. LAW,~FICES, p.cl / \ i\'J :' V/\ M rk J. Udren, ESQ. At orney for Plaintiff February 10, 2005 .,..,.. UnREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE Plaintiff v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 NO. 04-2322 Civil Term Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Edward A. Thomas C/o Edward A. Thomas, Esq. P.O. Box 7277 Mechanicsburg, PA 17050 Your house (real estate) at 5141 S. Deerfield Avenue, Mechanicsburg (Hampden Township), PA 17050 is scheduled to be sold at the Sheriff's Sale on June 8, 2005, at 10:00 am in the Commisioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $338,954.50, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff1s Sale, you must take immediate action: 1, The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay. you may call, (856) -669 5400. 2. You may be 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 may also be able to stop the sale through other legal proceedings. 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 on how to obtain an attorney.) .lr YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff I s Sale is not stopped, your propert:y will be sold to the highest bidder. You may find out the price bid by calling 856-669-5400, 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will 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 856-669-5400. 4. 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. 5. You have the right to remain in the property until paid to the Sheriff and the Sheriff gives a deed to the buyer, buyer may bring legal proceedings to evict you. the full amount due is At that time. the 6. You may be 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 within 30 days after the sale. This schedule will state who will be receiving that 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 Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 T # UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOOD CREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE Plaintiff v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 NO. 04-2322 Civil Term Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Edward A. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 Your house (real estate) at 5141 S. Deerfield Avenue, Mechanicsburg (Hampden Township), PA 17050 is scheduled to be sold at the Sheriff's Sale on June 8, 2005, at 10:00 am in the Commisioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $338,954.50, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1, The sale will be cancelled if you pay to the mortgagee the back payment. late charges, costs and reasonable attorney's fees. To find out how much you must pay. you may call: (856) 669 5400. 2. You may be 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 may also be able to stop the sale through other legal proceedings. 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 on how to obtain an attorney.) .. , ~OU MAY STILL BE ABLE TO SAVE ,YOUR'PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-669-5400. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will 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 856-669-5400. 4. 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. 5. You have the right to remain in the property until paid to the Sheriff and the Sheriff gives a deed to the buyer. buyer may bring legal proceedings to evict you. the full amount due is At that time, the 6. You may be 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 within 30 days after the sale. This schedule will state who will be receiving that 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 Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle. PA 17013 717-249-3166 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 " UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY 1.0. NO. 04302 WOOD CREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE Plaintiff v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 NO. 04-2322 Civil Term Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Ceceila G. Thomas a/k/a Cecilia G. Thomas C/o Edward A. Thomas, Esq. P.O. Box 7277 Mechanicsburg, PA 17050 Your house (real estate) at 5141 S. Deerfield Avenue, Mechanicsburg (Hampden Township), PA 17050 is scheduled to be sold at the Sheriff's Sale on June 8, 2005, at 10:00 am in the Commisioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $338,954.50, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856) 669 5400, 2. You may be 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 may also be able to stop the sale through other legal proceedings. 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 on 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. 1, If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-669-5400, 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3, The sale will 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 856-669-5400. 4. 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. 5. You have the right to remain in the property until paid to the Sheriff and the Sheriff gives a deed to the buyer. buyer may bring legal proceedings to evict you. the full amount due is At that time. the 6. You may be 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 within 30 days after the sale. This schedule will state who will be receiving that 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 Schedule of Distribution is filed, 7. You may also have other rights and defenses, or ways of getting your home 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL. NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF Option One Mortgage Corporation P.O. Box 57038 Irvine, CA 92619-7038 COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE Plaintiff v. Edward A. Thomas Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 NO. 04-2322 Civil Term Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Ceceila G. Thomas a/k/a Cecilia G. Thomas 5141 South Deerfield Ave. Mechanicsburg, PA 17050 Your house (real estate) at 5141 S. Deerfield Avenue, Mechanicsburg (Hampden Township), PA 17050 is scheduled to be sold at the Sheriff's Sale on June 8, 2005, at 10:00 am in the Commisioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $338,954.50, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1, The sale will be cancelled if you pay to the charges, costs and reasonable attorney's fees. you may call, (856) 669-5400. mortgagee the back payment, late To find out how much you must pay I 2. You may be 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 may also be able to stop the sale through other legal proceedings. 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 on 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. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder, You may find out the price bid by calling 856-669-5400, 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property" 3, The sale will 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 856-669-5400. 4. 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. 5. You have the right to remain in the property unti1 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. 6. You may be 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 within 30 days after the sale. This schedule will state who will be receiving that 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 Schedule of Distribution is filed, 7. You may also have other rights and defenses, or ways of getting your home 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 " " ALL THAT CERTAIN tract .or parcel afland and premises. situate, lying and being in Hampden Tawnship: inlhe County .of Cumberland and Commonwealth ofPcnnsylvania, mare particularly described as tolrows: BEGINNING at a paint an the eastern right-al~way line ofSauth Deertield Avenue (50.00 leet wide), said point being lacated at the southwestern comer of Lot No, 17 (Phase I); thence along the southem baundary line .of Lot Na, 17 Narth 85 degrees 46 minutes 53 seconds East, lor a distance of 105,00 feet. to a point at the northwestern corner .of Lot Na. 15: thence alang the western baundary line .of Lat No. 15 Sauth 14 degrees 13 minutes 07 seconds East. for a distance .of \05.00 leet, ta a point on the northern right-ot~way line of Joshua Road (50,00 leet wide); thence South 75 degrees 46 minutes (erroneously stated in prior deed as 45 minutes) 53 seconds West. for a distance 01'94.29 leet, to a point on the arc ofa circle curving lfl the right, having a radius of25.00 feet, and an arc length of41.36 leet ta a point on the eastern right.at~way line afSauth Deerfield Avenue (50.00 leet wide); thence along said right-of-way line on the arc ofa circle curving \0 the right, having a radius anOO.OO feet, and an arc length 01'25,02 leet, to a poim; thence North 04 degrees 13 minutes 07 second West, for a distance .of 72.44 feet. to a paint the place of BEGINNING, BEING KNOWN AS: 5141 S. DEERFIELD AVENUE, MECHANICSBURG (HAMPDEN TOWNSHIP), PA 17050 PROPERTY ID NO. : 10-19-1602-073 TITLE TO SAID PREMISES IS VESTED IN EDWARD A. THOMAS AND CECILIA G. THOMAS, HIS WIFE BY DEED FROM PING PENG AND YUHONG PENG, HIS WIFE DATED 5/25/01 RECORDED 6/4/01 IN DEED BOOK 246 PAGE 19. WRIT OF EXECUTION and/or A TT ACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 04-2322 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due OPTION ONE MORTGAGE CORPORATION Plaintiff (s) From EDWARD A. THOMAS AND CECEILA G. THOMAS A/KJA CECILIA G. THOMAS (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 gamishee(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) Ifproperty of the defendant(s) not levied upon an subject to attaclunent 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 $338,954.50 L.L. $.50 Interest FROM 12/8/04 TO DATE OF SALE 6/8/05 - PER DIEM @$87.11 - $15,941.13 Atty's Comm % Due Prothy $1.00 Atty Paid $133.59 Other Costs Plaintiff Paid Date: FEBRUARY 17, 2005 CURTIS R. LONG (Seal) Proth06 P 7f ~ a-./?_ 'li'~ Deputy REQUESTING PARTY: Name MARK J. UDREN, ESQUIRE Address: WOODCREST CORPORATE CENTER III WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 Attorney for: PLAINTIFF Telephone: 856-669-5400 Supreme Court ID No, 04302 Real Estate Sale #24 On March 03,2005 the Sherifflevied upon the defendant's interest in the real property situated in Hampden Township, Cumberland County, PA Known and numbered as 5141 S. Deerfield Ave., Mechanicsburg, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: March 03, 2005 BnJ6m.( JUL~ Real Estate Deputy (=;,.) c:-~ ,.. --~- , ,- 7 ~~-~.~ SE :l d L I 93.:1 ~OOI Vd 'AlliliUJ,. , IJ'bWi'1 .:I.:i11:J3HS 3flljO 3Juio ~ . '- THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No, 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} S5 Joseph A. Dennison, being duly sworn according to law, deposes and says: That he is the Assistant Controller 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 26th day(s) of April and the 3rd and lOth day(s) of May 2005, That neither he 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 he 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 Miscella us Book "M", Volume 14, Page 317, COpy S ALE #24 PUBLICATION , CUMBERLAND COUNTY SHERIFFS OFFICE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA, 17013 Statement of Advertising Costs . To THE PATRIOT-NEWS CO, For publishing the notice or publication attached hereto on the above stated dates 297.40 Publisher's Receipt for Advertising Cost The Patriot News Co" publisher of The Patriot-News and The Sunday Patriot-News, newspapers of general circulation, hereby acknowledge receipt of the aforesaid notice and publication costs and certifies that the same have been duly paid, By""""".."""""""""".,.""""""""""""".."", REAL ESTATE SALE No. 24 _ No. 2lJ04.2322 eM/Term Option One Mortg8ge Corp. Va Edward A. Thomas and Cecella G. Thomas aIkIa Cactlla G. Thomas Arty: Mark Udten DESCRIPl10N ALL 'IlW: 0iIIDIIN 'l'" or ~<O( II!Ill .... '...1lio/;.............- ...~1... il.. ~7'jl"r."~ c '...r ""-,11l<b, _ ~_..- ' BEGINNING M a poin, on the _ right. of.way line ofSoolhDeetfieldAvenue (5000 feet wide),said poin.being 10<aI<d "the soolhw",,", _ofLotNo,J7(Pbase 1); lhencealong the soutbem bouodaly line 01 Lot No, 17 Nortll 85 degrees46_...sJ_East,fm-adis_ of 105JX1 feet. (0 a point at the oorthwestern corner of Lot No. 15; thence along the western bouodaly line of Lot No, 15 Soolh 14 degrees IJ Illimn<>W secoodsEast,fur,dis1aII<e of 10500 feet,toapointootbenortbemrigbt~.way line of JooINa Rood (5000 feet wide); lhence Sou.. 75 degree, Mi Illimn<> (enuoeousIy "'l<d in prior deed as 45 miDures) 53 secoods West. for a distance of 94.29 feet. to a point on the-arc of a drck curviog" the rigbl.having aJadius 012500 feet, and. an lU't length of 4136 feet to a point on the eastern right-of-way line of South Deerfield Av_ (;000 feet wide); the""" along ,aid rigb', of~way line on the arc of] circle curving to the right, having a radius of 3QOm feet, and an arc knglh of 25D2 feet." a point; the... NO<th.j)4 degrees 13 min.... 07 seconds West, lor .' distance of 72.44 feet, to i.point !be place of BEGINNING,' BEING KNOWN AS: 5141 S, 1Jeerf~ld Av....., Mecbanicsborg (lIampden Township), PA 17050, PROPERfY ID No; JO-I9,1<il2-073, TmE 1'0 SAID premises is vested in Ed_ A, Tho..., aod Cecilia G, Thomas, his wife. by _.from Piog!'tog aod Yuhong Peng, hiswife,dated5125101~6/4I01inlleed BooI:l46Pnge 19, PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No, 587, approved May 16, 1929), P. 1.1784 COMMONWEALTH OF PENNSYLVANIA ss. COUNTY OF CUMBERLAND 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: April 15,22,29,2005 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. SWORN TO AND SUBSCRIBED before me this 29 day of April NOTARIAt SEAL LOIS E. SNYDER, Notary Public Carlisle Boro, Cumberland County My Commission Expires March 5, 2009 ~..' REAL ESTATE SALE NO. 24 Writ No, 2004-2322 Civil Option One Mortgage Corporation VS, Edward A. Thomas and Ceceila G. Thomas a/k/a Cecilia G, Thomas Atty.: Mark Udren ALL THAT CERTAIN tract or par- cel of land and premises, situate, lying and being in Hampden Town- ship, in the County of Cumberland and Commonwealth of Pennsylva- nia, more particularly described as follows: BEGINNING at a point on the eastern right-of-way line of South Deemeld Avenue (50,00 feet wide), said point being located at the southwestern comer of Lot No. 17 (Phase 1); thence along the south- ern boundary line of Lot No. 17 North 85 degrees 46 minutes 53 seconds East, for a distance of 105.00 feet, to a point at the northwestern cor- ner of Lot No. 15; thence along the western boundary line of Lot No. 15 South 14 degrees 13 minutes 07 seconds East. for a distance of 105- .00 feet. to a point on the northern right-of-way line of Joshua Road (50.00 feet wide); thence South 75 degrees 46 minutes (erroneously stated in prior deed as 45 minutes) 53 seconds West, for a distance of 94.29 feet. to a point on the arc of a circle curving to the right. haVing a radIus of 25.00 feet, and an arc length of 41.36 feet to a point on the eastern light-of-way line of South Deerfield Avenue (50.00 feet wide); thence along said right-of-way hue on the arc of a circle curving to the right, having a radius of 300.00 feet, and an arc length of 25.02 feet. to a point; thence North 04 degrees 13 minutes 07 second West, for a distance of 72.44 feet, to a point the place of BEGINNING. BEING KNOWN AS: 5141 S, DEERF1ELD AVENUE, MECHANICS, BURG (HAMPDEN TOWNSHIP), PA 17050, PROPERlY ID NO,: 10-19-1602- 073, TITLE TO SAID PREMISES IS VESTED IN EDWARD A. THOMAS AND CECILIA G, THOMAS, HIS WIPE BY DEED FROM PING PENG AND YUHONG PENG, HIS WIFE DATED 5/25/01 RECORDED 6/4/01 IN DEED BOOK 246 PAGE 19, CORRECl'ED DEED 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 01'tion One Mtg Loan Trust 2001-3 Tr is the grantee the same having been sold to said grantee on the 7th day of Sept A.D" 2005, under and by virtue of a writ Execution issued on the 17th day ofFeb, A.D., 2005, out of the Court ofConunon Pleas of said County as of Civil Term, 2004 Number 2322, at the suit of Option One Mtg Corp against Edward A Thomas & Ceceila G Thomas aka Cecilia G is duly recorded in Deed Book No. 272, Page 4856. IN TESTIMONY WHEREOF, 1 h:gereunto set my hand and seal of said office this 3) day of ,A.D.