HomeMy WebLinkAbout10-1532IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION,
Plaintiff,
CIVIL DIVISION
No.
VS.
CHERYL I. CULLEN,
CIVIL ACTION - COMPLAINT IN
MORTGAGE FORECLOSURE
Defendant.
I hereby certify that the
property to be foreclosed
upon is:
739 Erford Road
Camp Hill, Pennsylvania 17011
Township of East Pennsboro
Ta arcel No. 09- -1050-183
Brett A. Solomon
Attorney for Plaintiff
Filed on behalf of PNC Bank, National
Association, Plaintiff
Counsel of record for this party:
Brett A. Solomon, Esquire
Pa. I.D. #83746
bsolomonna,tuckerlaw.com
Michael C. Mazack, Esquire
Pa. I.D. #205742
TUCKER ARENSBERG, P.C.
Firm #287
1500 One PPG Place
Pittsburgh, Pennsylvania 15222 °- n
(412) 566-1212
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BANK FIN:373033-1 000011-097225
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION, ) CIVIL DIVISION
Plaintiff, ) No.
VS. )
CHERYL I. CULLEN, )
Defendant. )
IMPORTANT NOTICE
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this Complaint and Notice are served
by entering a written appearance personally or by attorney and filing in writing with the court your
defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the
case may proceed without you and a judgment may be entered against you by the court without further
notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff.
You may lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW. 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.
Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
(717)-249-3166
1-800-990-9108
BANK FIN:373033-1000011-097225
AVISO
Le han de mandado a usted en la corte. Si usted quiere defenderse de estas demandas expeustas en las
paginas siguientes, usted tiene viente (20) dias de pla/o al partir de la fecha de la demanda y la
notificacion. Hace falta asentar una comparencia escrita o en persona o con un abogado y entregara la
corte enroma ascrita sus defenses o sus objecones a las demandas en contra de su persona. Sea avisado
que si usted no se defiende, la corte tomara medidasy puede continuar la demanda en contra suy a sin
previo aviso a notificacion. Ademas, la corte puede decider a favor del demande\ante y require que usted
cumpla con todas las provisiones de esta demanda. Usted puede erder dinero o sus propiedades o ostro
derechos importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIALAMENTE. SI NO TIENE ABAGADO O SI
NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O
LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENIRA ESRITA ABAJO
PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL.
Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
(717)-249-3166
1-800-990-9108
BANK FIN:373033-1 000011-097225
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION, )
Plaintiff, )
VS. )
CIVIL DIVISION
No. I
CHERYL I. CULLEN, )
Defendant. )
COMPLAINT IN MORTGAGE FORECLOSURE
AND NOW COMES PNC Bank, National Association ('Bank"), by and through its
counsel, Tucker Arensberg, P.C., and avers the following in support of its Complaint in Mortgage
Foreclosure:
1. PNC Bank, National Association, is a national banking association organized
under the laws of the United States of America with a principal place of business at One PNC Plaza, 249
Fifth Avenue, Pittsburgh, Pennsylvania 15222-2707.
2. Defendant, Cheryl I. Cullen ("Defendant"), is adult individual whose last known
address is 739 Erford Road, Camp Hill, Pennsylvania 17011.
3. On or about July 13, 2006, the Defendant executed a Direct Installment Loan
Disclosure Note ("Note") whereby the Defendant promised to pay to Bank the principal amount of
$89,164.50 plus interest as provided therein. A true and correct copy of the Note is attached hereto as
Exhibit "A" and incorporated herein.
4. The obligations evidenced by the Note are secured by a Mortgage dated July 13,
2006 (the "Mortgage") given by the Defendant to Bank, encumbering certain real property located at 739
Erford Road, Camp Hill, County of Cumberland, Pennsylvania, as more particularly described therein
("Premises"). The Mortgage was recorded on July 24, 2006 in the Office of the Recorder of Deeds of
BANK FIN:373033-1 000011-097225
Cumberland County, Pennsylvania in Mortgage Book Volume 1959, Page 2116. A true and correct copy
of the Mortgage is attached hereto as Exhibit "B" and incorporated herein.
5. The Defendant is in default of the provisions of the Note for failure to make
payment when due and therefore the Defendant is in default of the Mortgage. The Note is due from
October 29, 2009 and as of January 26, 2010 was past due in the amount of $1,847.14.
6. The Defendant is the record and real owner of the Premises.
7. There has been no assignment, release or transfer of the Note or Mortgage.
8. On or about June 2, 2009, Notice was sent to Defendant in accordance with 35
P.S. §1680.403C (Homeowner's Emergency Mortgage Assistance Act of 1983 - Act 91 of 1983) and 41
P.S. §403 (Act 6 of 1974) that an action on said Mortgage may be commenced after 31 days from the date
of the Notice. Said Notice further advised Defendant of Defendant's rights and obligations in accordance
with the Act. A copy of the Notice is attached hereto as Exhibit "C", collectively, and incorporated
herein.
9. The amount due Bank under the Note and Mortgage as of January 26, 2010 was
as follows:
Principal $87,526.62
Interest through January 26, 2010
(continuing thereafter at $17.3614 per diem) 1,572.15
Late Charge 673.75
Attorneys' Fees 1,015.00
Costs to be added
TOTAL $90,787.52
10. The total amount due to Bank under the Note and Mortgage as of January 26,
2010 was Ninety Thousand Seven Hundred Eighty-Seven and 52/100 Dollars ($90,787.52), plus costs
and attorneys' fees.
BANK FIN:373033-1000011-097225
WHEREFORE, Plaintiff demands an in rem judgment in mortgage foreclosure for the
amount due of Ninety Thousand Seven Hundred Eighty-Seven and 52/100 Dollars ($90,787.52), plus
continuing interest at the contract rate from January 26, 2010, late charges, reasonable attorneys' fees and
costs of foreclosure and sale of the Premises.
By:
Attorney for PNC Bank, National Association,
Plaintiff
BANK FIN:373033-1 000011-097225
Pa. I.D. #83746
1500 One PPG Place
Pittsburgh, Pennsylvania 15222
(412) 566-1212
I
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION,
Plaintiff,
CIVIL DIVISION
No.
VS.
CHERYL I. CULLEN,
Defendant.
AFFIDAVIT OF NON-M LITARY SERVICE
COMMONWEALTH OF PENNSYLVANIA )
SS:
COUNTY OF ALLEGHENY )
I, Brett A. Solomon, Attorney for PNC Bank, National Association, being duly sworn according
to law, hereby depose and say that the Defendant, Cheryl I. Cullen, is not a member of the military
service of the United States of America to the best of my knowledge, information, and belief.
Brett A. Solomon
Attorney for PNC Bank, National Association
Sworn to and subscribed
My Commission Expires:
BANK FIN:373033-1 000011-097225
(Pup 2 of 4)
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THIS MORTUR Is nods on 0711
The Wnpgor Is CHM L CKLOL
H then Is more this us, the word'MatOpor' hods refers to each and W of Ow L
The MwtpW it POLE Seth, NsBaol Aaesi thoL
The word'Barome ooas CHERYL COLLEN.
If then k son dos on the word'11wroear hook refers to ueh aid od of Ow
Borrows ewes MerlggN oo son sf Efght Woo T6ouond One ll I fisty4w OeAere AM FNtY Can
(O.S. $ 80.104.90 L
This debt is sridsand by Barosnr's written s'rig, k Irdened ro herds u ths'Non'6lend 0718312000.
Thh Mterpege seam ro McAgspK fsl lee repeprast d tlw debt uhhsad a Ws Nog with World OW War obagu n
povHed thorsbC M tM persist of od otter stns, with Mstut thsreoe, sdeststed bstestdst fa 1M psrnoM d foam slaaasme
nrbetenesee ehergu, inoereon proeobro sad te,ts bvssrd n protect 0o seewkr of tbis MortpepC ki do ppmod of all of
Mayspa's can d alectks ieebrdbtg sore d sot mad, M paoi0sd M kw, reoesreehk strorro7s' i?sam reel eepetare, H snit k food
a alter seakn k tebn ro Meet tM sotee esdte er is pstut the uarllq of tbie Mergelpc 0 "Insist of my nNastF, S
athedttrdae ostendert, otod0wtkn aedla rosetsd ef ear d eeM kdebtsdrtese, lateral largo, eats ad upiss ; hf the
perlauntp d Mergega's stdla Benowst's towrann ud gnwsMS Iseder deli Maus ad tin Notcsrd m the rep wo of
do ddtt eddateed h sop mots a egrearwM w1drA vva reRneseed b Ma Olean ro tho orate flat made debt h owed to Mertppn end
hu rat been pehL Fa this papas, W VW due bm* mertpp, petit end convo?m Mertggn ft'-- ewkg duorred p ePerh•
top Cher whh d' p a rvertorrn new or hemfter eruted, red d essione , rights and eI pansawu thereat, Natal at aid bawrt
a:
739 EBFO1111 0 CAA! NILL PA 17811.1129 CUINBt{Awll
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Ton Pant Nwxber W19.19*19 E ;kr-N ' ,+ /y?MCh I_ _ir-6 Twp
Lot sad Beek 0woba INA 01A lJ
The wwd'Properq" herds shod meat Al of the forsgang nortgspd pepertr•
To hovs and to foot the 14eportr wets the Mor4spo6 Its mcne es eel sedg% lo v wFiev d however, the 0 Malggor
stellar Boo con dad par to AbVW the uM Mt, interest, ad sd other sirs and pilots s0 eeeerants std o1restost .3 !seta/
honblt dso doe Matpge std theatets easerd by 1t shag tamI , end becoon add
bu the rrW is nowl"ge steel oansr the Flop Re6 the ply aaean bwW DW for ?W sirWe seem of tke st? now name I1c)
Mw4ow wid &&W lee tide to do Prq" goat od delis and 1 11 map sownhrsttca now rotor"
PA
EFORM 1153230M Pop -Ld_
N O 959PG21,1 ?.
E EX IBIT
(Page 3 of 4)
Coramals. Matppa p ombes d spras a follows:
W byla wN maintain th RIP" In pod ardr will ropek; (b) Mstppa will amply with d him respoWq the
wl brhws, trkttii, of mart 0 til ri py nMia perform sN oblips i any m m Ia
sawky spnmrat which ha priority as dim Matpprp W Matppa wN pay r essa to h poW d too and other chspa
mseuW m;W m the ftrapaty who do ssi, qm Mettppesh mXK will dolor to t Mrtpp a mc*u shoMhp this
t fc a propr?t ttri?ra ss N r orfotd Baal heir, flied br(rs hopert . ihs pmra ly baarae MU O s
WO of a daatspo b th hNah ad (test bs h an amount wlNehnt to protect Yacpgw'o hNeab lbod hoaasa most M of the
type d h ih aeaatt tegabad 6y fodad Mw. M?ppor apraa b p Menpspa srideaca ad rputnd hmroaa. Al pdda most
note Morypa a s has payaohachmN path ad mnt poride fa st lam 10 days wrkam raaies to ihraga of rsdue It in
earaps a aaaANioi? A1?rga?a pia Mmrtpmpm th dpbt sad paver b sign Mrtpopr's mama m omy ehsd(r draft fraah m
harmer cemMmq amt is op?ljr tia ramry to any debt ooewN by this Ilatppo This h iaibd to cheeks NW drom he papmat of s
cloin amity m hstaaa pef+ay is has a dope b disc hmPdT or fr repeal r rohtW grocer a pofda Imewhq der fh)prty.
Mrlpper den nor lam the right to, will sprsa tht 11 -11 r will not, raokm 0s power of Matppa b make Ilryapsr's
deraomsat. may cards ds pwa for Mertpps's batmfk and sot fa MwipWs banalk, uW a oderrwho
pm vMW by ism 46 1111, tppor iris to keep im fora its ro* W boom arNa fdk to ppieift arum of rich hsaaw to
Mora Mom p e asy adfp MortpsW Owl Mwlpp sWA prdam the f"*W Marina a Mertooasr's w*mm N
Morgpa to b Aclaa 11111111 P mwkNo th tin surd h Us trio adpr fob b p rft addasm of se k hrmaa to
MMMaaptpppa, Mortpapa may p(rdaa hswneeb preteet MatI li 'a htaat, b da OMW4 /mmdltW by opplubh imw oral ehrps
MOkfil3AW FUNCNA= WILL BE VIIIINFICANTLY MORE W WA AM MAY FROM LOS I OMK THAN =RAW
MORTGAGOR COULD PURCNASE OTHEByNSL Magopa may maim museble computation for th sorrkw which Mrgopa
rrmida' abtahhq nary rprYW hwsw an Magopr's bdaN. III eecMh stag. Mo? shwavenw Wddw in
laaal hsurma oprhey s?t with Msrtyga. Thk yrey WIN raaM a to for the rkell hi
W
aHNsb (pry h tmponsBN fa son r se ape Ur umdalyYN hmrama rib will mey rstahe eapasadon forasnimp suds tbfts. N
Monpp, Wb b pwfmm asy otha duty a ablpaiot) rw*W by thoa Coeamea, Mortpopa may, a its soh epda, a I mach
spa a k down aooaary to protect tb hapeny dhr Its d*m It the he" oft this Mugpa. Mapper sprom to spy
Marlppa any amrahats adrmad' acordaa with thispmrsprph. wkb'- therew opts dm ook pd Any htsrat toy" to
Mrtppa dtw a Fdparot Is amtrW a on sir eormi sums shasd sal ke a tlr rat pwhiW fa'tM Nato; fk Mrt?a dry
imspoedsrr iNrgspor
mds rwmih oak- pew d hspaetloss of the Prpaty ofter pisip ibrtNsr pda m" d smy such
will int sdL tuafr awarddp 64 a ahhtmr hb m iastafhsnt alo aatrmet fort sob of d r sty port elth i'tepNly; ad Od Ths
ptmdsa, aprmamsrus ad sipMs h the Magoon drl ke b'doq spat d hoick anyar b wise th hoprty a ddo Mort-lit
traafa i U mrm drm en Merlppor sipm_ dda Mm m, act will d of them wo bound WltMcsly ad tp tier. The amaets
(node In fie sedem d Mr"Wit mmMa W fw* below dal tat mwps with say) dpoaa aural Is my hqd setim ad slid
"ply and d amseas owed am paid in faL
Dodsmk Mortpoppr will be in *to & ender this him I per W U than' a default om W the Now (b) N Monppr brat any
prariw mtb b tbia Nartpaps; W if myth tppa Sin W N any other adka bla tstub the Propaty by hpi ptaasp M N my
Matpspa Sol miclrtr N s"o a flea m paoirtay hdupbby plot pry Mrtpopr; M N ay tors lien a iay lo pith a mWa
g0st may Mmrgpmr or this hop I (g if may Mw*W ba tmodo my fates stagmatt h ids Mortpps; a ld H tbehgrty h
deshoyed r send or e . , I by fell" state or bap pormnmaat.
Mwtp ps% Namsioa Udas pro101 by W4 U in ddauk uWer tike. Matppb Mw%nm may a b pia,
w#W bdoao of the sums which wo nmW by this Mergpa
alto soda ro*W by hrrr. N my, shads the oW pydk do mooki Is
d owkq spa the Neu, N Mor"m so da I such wdk bdrKm duo aW ppW 11- j Its my Mike possession of the
No", ralsct amp and d mu W* dd tats b th Wobhisa awed by this Mw%am frodao Ow Mor4op or take o0ur
sells ON the Mrgpm a pmmsktW a pmWbd by law a abet do bdm mdp. N a mertpapm foredo mm mode or my other
actin an dh mom Is SW by Morgope, oft N Mergpa Was my action to proud or adore its hMerat' arty sort,
imdodp Badeep-, I Matppa spree to pay to Morg i d apeaa d eats of such oeti n Inchi p, N pamUW by im
rummome attamays' fors to the maWnam extort pamitbd by low.
Narada O mmhtdw. N dry drummtam exists wlddt maid poach Matp W to saaWm the bd mm Mortppoo may
take sseh atdhm at my &m &W q which suck cimome a comdaua to anL Mw"Ws ratae I under this Magpm slid he
emmsisove and mot oltena6nm.
Bdsy im Ertfarm @L Meripp a ate dsloy h aahrdp my of its dots sWr tie Mmrtppe or do Nab wII bdp that
right. Any waiaa by Mertppa of shy padden of tie Morlpape or t Nob wN not boa weirer of tho sea a my sthsr proebia an
my slim oeeodm.
PA
EFORM 115313-0606 Ppa -L of -
OK 1959K21 17
(faits 4 of 4)
AoegemwL Met*" may sd, tra sfor at aaprr this Monti about t/ortgaWs anaent.
39m raift. b pre W of ft Mortppt is Idd to be b bold at wonfercabk, such daw doatim shol nat affect tla
vddty or aforceobft of do tamioiip p siMm of Wx MwtM
WMOS do sok of this Mortgage on the dote set forth abaft iatamlal to he hipdy bamd.
Witaest Mortmor CN=? uaa • (Imo -
Whom Mortgagor
Acknowledgment taken In the STATE OF PENNSYLVANIA. COUNTY OF 605v??
On this day of v/ .? . bsforome. G ?v%Gr ?•
. the uodwr rod officer. Wm* apparel
koovn) to me (or tons oaoorpy provaN to be tta
pamodsl wham nwdW b Urd sohmit ed to the within instrumart and that tatshetthey aecoad the soma for tho
ptrposa tbuein cartalrai
COMMONWEALTHOF
NmaMOW
AMT.YbKNftVPdM
sararter?an`?pleoiHtrs 94loge
M.n6.r.Peneevi-m MeadolmVIld Iae
Certificate of piaMlence
k --PC 1,
Mortgaoeds pretlso ruwm It
ffm 115323d50.'i
IK 1959PG2 I 18
h Witness Wkaegf t my kan/ end d&W soh
a
&Pon
nae -
L u ?< t?-
ar lam Cantu. 2730 Ubaty Avona Rtabonk FA
Apart tar Mongaoeo
Aaabycoroythat
i;vs to be recorded
w?. 0-dand County PA
Pope ref ,
Recorder of Deeds
Q PNCBAN1(
Cheryl Cullen
739 Erford Rd
Camp Hill, PA 17011
ACT 91 NOTICE
Date: June 2, 2009
TAKE ACTION TO SAVE YOUR
DOME FROM FORECLOSURE.
This is an official notice that the mortgage on Your home is In default, and the lender intends to foreclose.
Specific information about the nature of the default Is provided in the attached pages.
The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help
to save Your home This notice explains how the program works To see If EZ can helD,.vou must MEET
WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS
.. NOTICE"'Take"this-Notice,with-trou'whun-vouinieet with-the-Counseling-Agencv;-- be•name°address-and-phone--
number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice If you
have any'auestions. You may call the Pennsylvania Housine Finance Agency toll free at 1-$_0¢342-2397. (Persons
with impaired hearing can call (717) 78
This Notice contains important legal information. If you have any questions, representatives at the Consumer
Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area.
The local bar association may be able to help you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUSS AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION
OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA
HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER
ELEGBILE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL
DERECHO A REDIMIR SU HIPOTECA.
HOMEOWNER'S NAME(S):
PROPERTY ADDRESS:
LOAN ACCT. NO.:
ORIGINAL LENDER:
CURRENT LENDER/SERVICER:
Member of The PNC Financial Services Group
Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222
Cheryl Cullen
739 Erford Rd. Camp Hill, PA 17011
040-01-008111019233
PNC
PNC Bank. N.A.
EXHC-
Q PNCBANK
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
* IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
* IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS, AND
* IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA
HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure
on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time
you must arrange and attend a "face to-face" meetingwith one of the owsumer credit counseling agencies listed at the
end of this Notice. TATS MEETING MUST OCCUR W 3) DAYA OF THE DATE OF =IS NOTICE.
IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRIG YOr_ m
MORTGAGE UP TO DATE THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE
DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling
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 name& addresses and telephone numbers of des*g"aW consumer credit counseling a, encies for•• the
county in which the property is located are sot forth at the end of is Notice. It is only necessary to schedule one face-
to-face meeting. Advise your lender immediate 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.) 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 Program Application with one of the designated consumer
counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the
program and they will assist you iri submitting a complete application to the Pennsylvania Housing Finance Agency. To
temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received
within thirty (30) days of your face-to-face meeting with the counseling agency.
YOU SHOULD FILEAHEAWAPPMCATIONASSOONASPOSSIBLE LFYOUHAVEAMEETIIVG
WITHA COUNSELINGAGENCY WITHEV 33 DAYS OF THE POSTMARKDATE OF THISNOTICEAND
FILEANAPPMC4770N N7TH PHFA 07THJN30 DAYS OF THAT MEETING, THEN THE LENDER WELL
BE TEMPORARILYPREVENTED FROMSTARTINGA FORECL'OSUREAGARW YOUR PROPERTY, AS
EXPLAINED ABOVE ,fN 7HE SECHYON CALLED ' TEMPORARYSTAY OFFORECLOSURE"
YOUHAVETHERIGHT TOFILEAHEMAPAPPLIC477ONEVENBEYOND7HESE2TMLEPERIODS A
LATEAPPMCATION WILL NOT PREVENT TRELENDER FROMSTAR271VGA FORECLOSUREACTION,
BUT IF YOURAPRMC4TIONIS EVENTUALLYAPPROVEDATANYTIMEBEFOREA SHERI'FF'SSALE,
THE FORECLOSURE WILL BE STOPPED.
Member of The PNC Financial Services Group
Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222
(31PNCBANK
AGENCY ACTION -Available funds for emergency mortgage assistance are very limited. They will be disbursed
by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty
(60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be
pursued against you if you have met the time requirements set forth above. You will be notified directly by the
Pennsylvania Housing Finance Agency of its decision on your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,
THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD
NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can
still apply for Emergency Mortgage Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT Bring it an to date);
(ACT 6)
NATURE OF THE DEFAULT--The MORTGAGE debt held by the above lender on your property located at:
739 Erford Rd. Came Hill. PA 17011
IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following
amounts are now past due:
ly v pavments in the amounts of $612 57 for each of the months from March 2009 through Mav 2009 ... .............................
Other charges (explain/itemize): Late Charges of: $183.75
TOTAL AMOUNT PAST DUE: $1,916.73
HOW TO CURE THE DEFAULT --You may cure the default within THIRTY (30) DAYS of the date of this notice
BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $1,916.73, PLUS ANY
MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY
PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent
to: PNC BANK, NA, 2730 Liberty Avenue, 2nd Floor, Mailstop: P5-PCLC-02-N, Pittsburgh, PA 15222
IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of
this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire
outstanding balance of this debt will be considered due immediately and you may lose the cbanee 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 anon your mortgaged DmiN y.
IF THE MORTGAGE IS FORECLOSED UPON - The mortgage property will be sold by the Sheriff to pay off the
mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal
proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to
$50.00. Hawever, if legal proceedings are started against you, you will have to pay all reasonable attorney 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 nay attorney fees,
OTHER LENDER REMEDIES-The lender may also sue you personally for the unpaid principal balance and all other
sums due under the mortgage.
Member of The PNC Financial Services Group
Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222
RI C T F LU TO SHERIFF'S" - If you have not cured the default within the
THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right 10 cure the default and prevent
the sale at anytime up to one hour before the Sheriffs Sale. You may do so by paying the total amount that 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 Sheriff s Sale as spscified in writing by the lender and by pgdQrming any other requirements tinder the
mortgU. Curing your default In the manner set forth in this notice will restore your mortgage to the same position
as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriffs Sale of the
mortgaged property could be held would be approximately six (6) months from the Date of this Notice. A notice of the
actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will
increase the longer you wait. You may find out at any time exactly what the required payment or action will be by
contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender: PNC Bank. MA.
Address: 2730 Liberty Avenue. 2nd Floor. Mailstop: PS-PCL ,02-N. Pittsburgh. PA 15222
Phone Number: 1-800-878-0027
Fax Number: (41217684W2
Contact Person: Paul Sharkadv
2-14a11 Address: Paul.SharkadvQPNGcom
EFFECT OF SHERIFF'S SALE --You should realize that a Sheriffs We will end your ownership of the mortgaged
property...and.._your.right.to.o=.upy.it.....Ifyou..continue...to.Iiva_in..the..property._after._the...Sheriffs..Sale, a.lawsuit.to..remove........
you and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE-You may not sell or transfer your home to a buyer or transferee who will assume
the mortgage debt.
YOU MAY ALSO HAVE THE RIGHT:
• TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT OR TO BORROW
MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
• TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
• TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED,
IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT
MORE THAN THREE TIMES IN ANY CALENDAR YEAR.)
• TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY
OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
• TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE
LENDER
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
original sent: U.S. Mail certified, postage prepaid
copy sent: First Class, U.S. Mail, postage prepaid
Very truly yours,
Paul Sharkady
PNC Bank, National Association
Member of The PNC Financial Services Group
Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222
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VERIFICATION
I, Diane Williams, Foreclosure Manager, and duly authorized representative of PNC Bank,
National Association, depose and say subject to the penalties of 18 Pa. C.S.A. §4904 relating to unsworn
falsification to authorities, that the facts set forth in the foregoing Complaint in Mortgage Foreclosure are
true and correct upon my information and belief.
Diane Williams
Foreclosure Manager
PNC Bank, National Association
BANK_F IN:3 66094-1 000011-097225
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff.F_(}-Iwi- -
ti14, of Cumbr ?Ay
Jody S Smith L. %
Chief Deputy MAR ^12 A H 8: 3 9
Edward L Schorpp
Solicitor OFF °E ,a
PNC Bank, NA
vs. Case Number
Cheryl I. Cullen 2010-1532
SHERIFF'S RETURN OF SERVICE
03/18/2010 08:06 PM - Amanda Cobaugh, Deputy Sheriff, who being duly sworn according to law, states that on
March 18, 2010 at 2006 hours, she served a true copy of the within Complaint in Mortgage Foreclosure,
upon the within named defendant, to wit: Cheryl I. Cullen, by making known unto herself personally, at 73E
Erford Road, Camp Hill, Cumberland County, Pennsylvania 17011 its contents and at the same time
handing to her personally the said true and correct copy of the same.
Amnob odl"L
AMA A COBAUGH, DEPUTY
SHERIFF COST: $41.50
March 19, 2010
SO ANSWERS,
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RON R ANDERSON, SHERIFF
(cj COLONSuite Shentf_ Te!ao, ,)q on;.