HomeMy WebLinkAbout10-2108SHAPIRO & DeNARDO, LLC
BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447
DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747
MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929
LESLIE RASE, ESQ., ATTORNEY I.D. NO. 58365
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 10-037420
HSBC Bank USA, N.A., as Trustee for the
registered holders of Renaissance Home
Equity Loan Trust 2006-1
PLAINTIFF
VS
Nathan J. Serino
202 South Penn Street
Shippensburg, PA 17257
DEFENDANT
P'L
t r? N'y
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO: lb - o_ 16 D c. ! r? 14e-r?,
COMPLAINT - CIVIL ACTION
MORTGAGE FORECLOSURE
NOTICE
YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE
FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE
ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING
WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED
THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST
YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY
OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER
RIGHTS IMPORTANT TO YOU.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT
AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL
HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES
TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
S 9.?-d o fj- C- ?y
R3 '5-3 ?
a-3 y 5 -r
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
PURSUANT TO THE FAIR DEBT COLLECTION
PRACTICES ACT YOU ARE ADVISED THAT THIS LAW
FIRM IS DEEMED TO BE A DEBT COLLECTOR
ATTEMPTING TO COLLECT A DEBT. ANY
INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
NOTICIA
LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE
DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES,
USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA
DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA
ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA
ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU
PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA
MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O
NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA
PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O
OTROS DERECHOS IMPORTANTES PARA USTED.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE
ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO,
VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION
SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE
CONSEGUIR ASISTENCIA LEGAL.
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
SHAPIRO & DeNARDO, LLC
BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447
DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747
MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929
LESLIE RASE, ESQ., ATTORNEY I.D. NO. 58365
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 10-037420
HSBC Bank USA, N.A., as Trustee for the
registered holders of Renaissance Home
Equity Loan Trust 2006-1
PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO:
VS.
Nathan J. Serino
202 South Penn Street
Shippensburg, PA 17257
DEFENDANT
COMPLAINT IN MORTGAGE FORECLOSURE
Plaintiff, HSBC Bank USA, N.A., as Trustee for the registered holders of Renaissance
Home Equity Loan Trust 2006-1, the address of which is, 1661 Worthington Road; Suite 100,
P.O. Box 24737, West Palm Beach, Florida 33415, brings this action of mortgage foreclosure
upon the following cause of action:
1. (a) Parties to Mortgage:
Mortgagee: Mortgage Electronic Registration Systems, Inc., solely as Nominee
for Fidelity Mortgage, a division of Delta Funding Corporation
Mortgagor(s): Nathan J. Serino
(b) Date of Mortgage: March 13, 2006
(c) Place and Date of Record of Mortgage:
Recorder of Deeds
Cumberland County
Mortgage Book 1944, Page 2807
Date: March 27, 2006
The Mortgage is a matter of public record and is incorporated herein as provided
by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached
hereto and marked as Exhibit "A" and incorporated herein by reference.
(d) Assignments:
Assignor: Mortgage Electronic Registration Systems, Inc., soley as Nominee for
Fidelity Mortgage, a division of Delta Funding Corporation
Assignee: HSBC Bank USA, N.A., as Trustee for the registered holders of
Renaissance Home Equity Loan Trust 2006-1
Date of Assignment: April 10, 1008
Recording Date: May 6, 2008
Instrument # 200814725
2. Plaintiff is, therefore, the legal successor in interest to the original Mortgagee, the present
holder of the mortgage by virtue of the above-described Assignment(s).
3. The real property which is subject to the Mortgage is generally known as 202 South Penn
Street, Shippensburg, Pa 17257 and is more specifically described as attached as part of
Exhibit "A".
4. The name and mailing address of the Defendant is:
Nathan J. Serino, 202 South Penn Street, Shippensburg, PA 17257
5. The interest of each individual Defendant is as Mortgagor, Real Owner, or both.
6. The Mortgage is in default because the monthly installments of principal and interest and
other charges stated below, all as authorized by the Mortgage, are due as of December 1,
2009 and have not been paid, and upon failure to make such payments when due, the
whole of the principal, together with charges specifically itemized below are immediately
due and payable.
7. The following amounts are due as of March 16, 2010:
Principal Balance Due $73,339.76
Interest Currently Due and Owing at 4.38%
From November 1, 2009 to March 16, 2010 $1,196.80
Late Charges $67.76
Appraisal Fees $111.00
Property Inspection $10.50
Title Search Cost $250.00
Attorney Fees & Costs of Foreclosure $3,666.99
$78,642.81
8. Interest accrues at a per diem rate of $8.80 each day after March 16, 2010, that the debt
remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other
expenses, costs and charges collectible under the Note and Mortgage.
9. The attorneys' fees set forth above are in conformity with the Mortgage documents and
Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs
sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be
charged based on work actually performed.
10. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S.
§ 1680.402c, et seq., was sent to each individual Mortgagor at their mailing address and/or
the mortgaged property address by first-class mail and certified mail. Pursuant to the act of
December 21, 1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information
required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. Section 403 et seq., and
separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached
hereto as Exhibit "B".
WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in
favor of Plaintiff and against Defendant, in the amount set forth in paragraphs 7 and 8, together
with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note
and Mortgage and for the foreclosure and sale of the mortgaged premises.
SHAPIRO & DeNARDO, LLC
Date:
BY: d'
Attorneys for Plaintiff
S & D File No. 10-037420
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po aeae?li¦it vaNO?a reMwyosM?adi+widor
A-AL-
011- ?M?Ir11?.OtM?aoll?r[?e
t? lr?d ar aM per or Iror ?r? ioo
wir pioriw?? io odot Hona?t ael?er? oort rl ? bro?eo ?o
dNri?rrd eoeo?+iiooatoti¦ou?eort?os?rrooidlMwd??Aay
soa+uwer
osorlo Ladir 401 doo?ior S bl o: Ida" dot ot
•awod 1? b11?¦srlk ?1wo ?on1r ? bwe iulw?rt sr! tre l?Tob aro ?t Ibc
dMs of N?w?t rd dm§ be pin Ale, wlm mA Im! 1 t, upon adios hoot IAWw to
PT aA I, r =dm • pot aim
do twe ad NIr 1b ? _f- - a Pomp* A phis srd wearrrt a?keo. g aedoo o h rEi e
06 S to po NO mslaraer. wWrr'r rao
imiod.. aa?ya a.r.R#.a ..
w?
M? bwpy«.
t?..w?.wy1.?.r.r.M.?r.?..?r.i..o.?c..?.a..t o? ?.s.. ?w «.••a?•y.??
OR 1944PG2812
.TT
h
III do woof of im lon"m 1r1I ploapt ndn to do br a coder fed
imedrr. tmMr aw awe M i ratlou if act tMM p_blr .. U dm Lwair aad
som" r aMwewlr s ar4? i¦waoee siir a act fie
ar ? ? ?L a* rvwl =6 a- - aa ?e a Bald aoeb i?¦w¦oe tre0
?r1w L?d..
Laa ar a i?ootsroltr .rrwaet?.i? oath
dsti . pearided tnt irpNMa.
?. ?. Lri?e.q?
ddmo e.Mr ?r 6e ?
u mm Mauri.a?a..kti i?eir al'
no?tw w pdd a 1ia+rak i be a .d to?
m nowbham 0 y 3SUDW ii 6 ertotia a iiMlreoote
at easaerr. ff be ae w ?? , w L MWs
i -in be
Il l M-, wee ar act M ni4 6e ff paid to IMMM ?ec9"
?1 ??adpllydiaiea?de?did
??rr fw¦ilr ? ? N! owlo aq aweliie
aiw4 ?italobd?d1?Dawclor spat wliio3i&Pto • a?MieaI=
_
? chim 'w 304* p mm fr Ite Smwa.1a wow. ar V
I.rndR sogrwe 1Ye Aeopet?p trdlr Sooliaa? ?aMw ?H?e?a' ?1?I?r b Y.e¦drr
(a? Hooa?wlti ?! Ie.eq? ir¦rtea p?aoorrb ¦ot a aNard aawwor algid
Lade ? Neie ar f? iMoailt ??, sol ?r a?e4tlMswae'N
*1 nvw!r 0 imik to to at
?' a b araArio erM• m P! smooft
'IwaialWprid itNoleaed' ? ? a? m do as Daa+oww"i
lvllld? prlaoiNt w . Haidiolos60 &P aA?r 40"m of we ?areiq?? a¦d ?i
0olrl aeli?or ?c t le¦M a.o ?r de fie
oaMloua a on" 6e laopa[!1r n Haerowr?le 0
ante at , viir? Lwidor ??rieo slwr is w? wYdi am W alb rt be
Ulm ser¦Nai dm¦a?ew a?Yt W" m boMW Soma u
?. FmawerarMe¦?, ?1¦ root r¦d lkatedia of 1M WWMF=q ?? ¦a Hoa?ower
dril got deeftyr, ar look to ?ivm 4. Siam as ? b to ia emb w aasok
mum an abet '*?. ac oat >1mmMar Is . Horoowrr "
mdoub ie in aade 10 dr l?lwq ibad « is V*w
do to itt l l ?i3rwlot b Swim 3 dmmg emir IN-1
it oat
commia* ftdhk Banvwar AM trpaic 11r 1•ladargr if to aaaid ??
dsodoWei fm 4m dev qSL It
I lloopae??,?oooerti?tie mile iiKarw ieH
as oall??K lot wlw?rd !?r o ITi?r amq? dine
!4
lath radrMlotioe p pmo wb7slift
eadc it aos*YM?d. If ms lmmm ar mu oat wli?irtt b a
allow drs Fvm- t - Bommw is nat"io W ofllarra abii ar tzdm oompid" a#oeob
fSp*wy I-l'
re?.v,1Mt?4w? n.?wiw•• ?wsrwr ?. a.o?w..?r
omm ftmm w r.?74rm..w
811944PG2813
4
k him "soma A ? dw;•
e? Ne??a f11a1f11?Q' a01?0?? dI? p?i1R b aq? ??? '
?erlreewrti Appl@M a MONO M dad be: is defth bo Joni
OWNWpomin 11 r 0 ? R r f or
H i;i" 1t"rlpole
or jnoq--
kham" ar memo taZa¦Mlae (ar ?fid 1e N??
f1k
?
balraA>
it,
1 MOM
of ??s¦dNt"e lelmeat
rw .1f (a) Haeanr *6 b pdm ?. aaaMl?eed
?. pwm% lbr aoad¦4eaedoef ?dr,lm,''° '' : : ' ilk
priod?? a?lr Rebrat" or b OalMOe? lam or or (a) A-me -a bae
peolaot t h ' ' l?e`?cagrd? and ?rw?>ralrwrta o aw¦ ? b
wira%r
'srd t?e? rd?rota?al?f?e
him ? aa?? bot eee0unt w??
>lris
b?satao8t elola ¦eiis gr IM N? ?? d • iYi
Y Aie eeal9or tie weederri
?? s0oae?d ?eeltim in ee p?? r "W%
aotlimelMd tq?.ailerladdo dfa liMwl? ?iotade?, bat ie kwb
wiadoNa, eeead k" VRWNNNNNW a d Gem a derma dd,
rmad aet or al tmdw mW *ft mmdm
SO fir its
W= 9. lmdw *w mt b m b do a dad is nat MW del or abna to 4D ra B is
=d t Eadw lam no lfabilihr br an M ft sW at all aatio¦e rued adder ?
9.
AV amooale d
ibansd by Lmder adder a b 9o@" 9 Mall baae#ee sdiYia W debt of
d* DOI
d r ? Fife row* ill bw h ftw at dwNar ease
Pa>. wid a laiee apaet dodos lad: Lander
If *b lu?
?Lffiby ? is oa a learelaid, swoon Alma rdw 0q 150
Motu Impi 9amwer aogaiear ill *b b tia ls-' -- ? Iho l ld dad de ibe
dtle 11b Laar+aw.
x
earlderl ? ?4 e#rl1 dr r?iatae >riesgot?Is? as a aoee0itba of
is afmt. I hr teey , i0 Ia?ieae0 d >M>wiotysrebeeomoe
aMaif W imam - ' La-- - to be
WIN
b Mbe dentipaled
to
paeieeli¦ea 1Mr
HanoMror a Mje r >be nmiaes so
allay oaMae?a
az a toveb ofie laet?o?wa
Leader edaelWNW irlMlrlt •MeoleQ by
:orwl-WAM&&OM mft two& fw.WMW"nWa SWnMW r fam1 ftft w ?.r ris„?r
Rt 1944PG2814
? ? ? ?0 is plK pMa??, ?!a[ ? OOe?le
to pay b LwdR the =ON* i ?
in mm do win 60
io inimm eaaeeeW eared to be b /f ft aae , we rd ztw? then ?waw ee a
row woom it ma
?obwidl¦? I B >lrt#016 ? ? ?a ehsU ba
pot ? to p W ih eoeie 4 ielaaet ec >M?, ad USAW shell
iore non" Id hr 0
aMMa?er?,-ad I?tler 1??? ?'e11d6y? I??ir?aMia l?eoo?w a?ai?6i0.
ad Boe?werte ce. If Iwwder p t4 + 00 a t ofLoin
arR e? ? ??d to?i !N ?r ?r
?oca` a pw law I Ala i?¦r°a
me?¦¦aee Bads in Mmoed? wo sops "MR
beNw?s ey I?
fib lfeol?anhr taooitaliop ar testa lite?s???itiri?a? ?
f? i® a1i?IMaj? ?e
peof owleia
9oaawR does an sq 1rs L?ae;erj??? 1+IoA"
loses i=Mlln
1iep is ae? b to
ioewees ewioele their and A& m A moil ierw is ftu km fte to
t? erd eals ieb vaeMe that eiriw es
adds ?r?eers? e? ea m a ? aoaN,?wre?M?ey Mr M isp.e?r
i¦ewarb ???? eaaa ?th?t?s??i? +r?a
trihidi pe4 imi?i ?¦i '?o?a I?w?/. bww.ea
As a nseic ditiese Irw1eG r0?}weirratOr i? «
eaieearpr. eier r *e/
1i4? of et it so
io Odlyj? no tY?t &d" im far ?g a 1 ? at s
eroh?e - IF s
eiek. ee adrei It NN iR hr AI
mmomm" dtiCia * ?e prm?oswidtofia iuaee? tir ensr??aimtie aA?m
saw ? aW a?aemwNt w? >we awaoaite that >taee? liae a?eM w
w 6
rt
?i?arwl wr?iwr w ei ie La 906 wt 40M
>Mer+rpRle wq mMri. Nwro s Le¦ea¦eer aid is ww pet tw
M A W r¦e ?/raaretMs us ok smog "f400 lteee"rrr ho - ff - wa
ether hrw. Tlrwy lrtrie tea !Mt to rw?a ewlii Aiiet at 1? R ow
eiilii aM?elMieMele Kia ?! LIrwI1M-labor is Iarwwee terrialed
aw =A* M =atlas N rrMi etae?? lAfiM?s B?ltrea pa mkm dat wwo
e,¦earrM r??? et 1w.
bar by ?peQ t o =d dwK be PM * T.fJ Aff..; ?OO?Odi ?R+e
rsllwvt??NeA•+1 R& hm4 ammo rR?Y.movowwwsllrlU m I PAN" $Wtgrmpww
?i t 944PG28 15,
F-
Mp Oi?dr w " hdwdhwm
1lge?ei? M d d l s? o<
qftl+??Miaaor
aaoaorieoi?r Q ?
*Nab LM&ft
aot lei, Doai woti
M PION
? ll?rowdr Ldor beo ied ? ?' ?'? dkeil ? ?f ? waeree
tw wntt ?r baw ??? Lr¦iulr
is o soda _ l4wnow p wla t i?Marli?a i? M°a?i r¦¦it or
iMer,t to boo ?r llrrli?? I is
P?i? ?' iooioeetatoeeoi?o eawi
tb+ ?wlor?rdrat is mt.oe.a,aiaiV or am ?roiie ar trrd?elr ?e,relq????
ftoeael ¦rw idi be "dteMwrw ooemod iir toewll?r wooet,wiio?r
slowiffdlaoier amew' b8 eId ___ eOONi be
in to Mo of a low lyfft or JIM
Graft"dmuMM 2 Mule ; Und,
&ir v vie at phi ?#??b? j0, it Van
?i. oti.? *t" ?
v?lee is b or d?ea M e?rt ai 4n trr ieorAd ?1, ?eolrmeoat
?b prti¦1 w for i• rdats ?eioorwmr r X4"w
Molt vlw- ?? ? ? br wiro?d bsr 1be
otbeeoauo?wd boi?abo WEd-d bm vdM Aa ldm bo ?, a< loos
I k es owes %w a 1?1e? dwitrolfee? or for it air o[VID In wbio>< dw
lidr moolaet vain at do 1¦soie?yr boles to pow, or io¦? in
valve is low dre die maw at do saw ooerrvd ior,e?ril y??y?ir? ? ??
a?!'?Ims aeeod ??? Hoooorr +rad Loodir
s4ewar aAdleo dra. b 1be saar ooao?edbyiieIglr¦?,war
?? it 4o dwood?ly$owvjw, !cV,@ft=dm bar Iwedw b Honvw dw
smog b nopetl o Irwier« b r?ir sa awed to wMde o d" Ibr
1 38 saw
Lsrdar w aedioid¦od to Muni ad AF* lw
? hoooe8 "
off le K+
hill" ab b s¦¦o seoawd by Moidg?Iloo dlroooW NW ? do.
¦oeeae lwo?
i ietw?sDN ldtoeiewo lam'
=r0?` ' b??beo .
Ha w deQ be in
boom *K is x4o"I *Pap as la'?'m.de i r or or a? b
iohoii
i¦aeoet is ?rPyeps?gora arloe?io feorrirjaet, sm+a?r
aaro[ebllo ao peveldoi io lwMipt 19. by
lbo ="
do;; lief w Mroooi pt war a dei¦i bhr
eridred and deli be "M to Lem wpoi meat at Laadr?lr iailoertat $ dte liapergr m n beuo6y
sYr?a,..+y.*..4-w..r n.wM.wvo?awr.?..Mr ON" ftMsw. M owp4 omew
9K 1944PG28 16
AD 11fMoaitaraora iraaadt dt M not b -w "ON a k atom Piopettir
a>? ?rr:?r ? Rat lfria ?a1Ma
? f ls.or7 arwwaa?etatloa??M 11 BY IandR no a ?aMra Blue" of at
owt?iaa oldr r¦r bwwi b db--- Latwa?e¦t
dfaalad Luww a Baamar or nqr iraoorar it WKW of ?oawwr hall art?paMM? b
fe w ie ?6i?ity of Aaao r a ?aoewts i loM+ttit agar. LO/w ial M be
b ! ?R MO? llaoeriaar io ?iewt at?warwNr ar b f+t? a
aa?d fiat ?br po?,}tarat a a?iteNlr fri4r arottl¦tlioa a[br Nr •ewf rp11i ?aoMq?
of u m? r I?r i?i Hrabwrerr?r l?r t lu t
+rtl' ? ar aaaa wiMat
a a?iw? itn??+p i? ` TROW Otero
APIL_
R>laarata¦as aad `? aad
aoo?? wfio ? itn ?? ?t 1tt a? aot.. md ?. Nae (s
°°..y. ialaa~c b tlns aaer ?a ? soot
Lmww eai old oas?w?a n e t°f ?wr dwt
moooarodMioat wA fund b 69 brfb°ede aeoldq? Loa?o¦e aim Nat w
ue?
's ??,a?? Sa mr 1a l?Mat+att ai Horio?ar w)s
o
mMtota=tD?w
t
soft t 8aoadgr k mdb& awd ie =
i,radef; fall abiala
mlF of Loam w d *b ad bumft imda dir faend4
eoefo?r ol?a1 oat be rid i m Haaawsti ad li t ?d r ii
L w b =a whom
iaM? ooeraaatr aaia?aafaa¦r
I dot bind _ (imaop u pnrMded is itaian 20) a beatdlt tia aooran red
Chr. LaMa qw dwp
8aeranar flan hr anrigaa primed is
sanowat'e Atie? dot it W-P at
Ia ilttbtlafis leapnty
wd fi?Me aadfr ?MM •earrlly LMfwuee?, ? imt f+et ?Iltd q?
iaypeetiaa aad.aiwrioafiar. y 1a.Q? ai?r>tieit„ ?si?eaespol se.' is tltii
?ylr?wraatb a deetalllfmowetia?aolireaeaiieed?aea ao
15e at on* ii ow ddw hm fit* an a wa¦ b - All- by
fir Loin is w?b a b w eats u d m= le a aadfiat law ie AM*
? A ? ac amt lewt oOlMebd at b !» aaNMlad is e?a¦orotim
pao irad lhd?, snit leaairrp"be enlawdby die
aaort aeoe?ey b aano. sw. b *.aaq?N.i..?oaYaoted
&aa >lbaontr wiaee oaaaeded w1h ie to >aaaarw? Lrtder f?
dwo N xWo die Mod bar it owed war so Mb or by Ishm a UNWR
S .M .Pat b aoeao?wIf a fal?od be wia?
u?l?iods~?Ho at not a
wai+nt a4 rMfi i?d aaade dt+lOt b »oaeo?wer
oa a a?f
vrill waMlarl?e
o? ood aq do of "a Boa+mw h"Mm oat of such
FVN9WTAlW&-A %M lb ihrrrlMM??/rO???MM?f[ Pw 1rmsm m owav"Poy
SK1944PG2e 17
- ,.. ..-.......
M N drw. AD aodaer gat by Dwo m w a Lm it in oa¦¦rodw wilt 46 Saorigr
no be is w Am fades b awomw in awineft wa "
t ba dr¦v1?11a hart 10 ?00?11! wrrr ? by ?! airy =Mw
?r6ef aafarny dra m b ?we?orete iiddtorr itaeit bx adw sewwa 340" b aeon ow,
HOfi00N1M . GOMO foie awn b aII a" -Wv s rlllr A?? L?? arsarsei?r aka
olrre LM artlrr UNNIN io0 bo AdWrri ai
siaddete M60o Miwr by soda b I# l
B?lemrw drgro atadioar, a ea',
' b Hweaa W dke omit M
?? >b
bLai adiw?e
A .4,
00" in *=Room WO dds 0 1
LONN sla salY?lb? feo*MId
tooaieod rsirr Ia.
to
of
iti loot a4i iri ? dardel?
rrr >trdr? to #elraaa? Asy
I frt be dpajW p bm , bus !hu b
.tjw * to
dole %-It MI
aofldaed is ii. srail1? lrelaarrfec Grey aryrs ea aw laeefiw¦.a
sad °0eliabi. =,ea?.A,? ia?? ar day. ea
iGr! b apr br ooabaot or it ri1¦?t, bat nib aftims
?t oe?red r a
Weloww"UM by to gym *Mt ow ?? ac dram of"
LrMasrrtarftNW owMft9m, M ? e 4 w
goo Mior of ft swoft? Leltraaft ar dr? 9m, irYot Gray M ska m.:1 wow to
torlemat: W wooly of in fi M"a "0 trim aid
aaeiet words or wordy stew siwWw Satan (b) Va is dO ?riyiMr
eba? ?asau oft ?t and rift rmr; and (a) to "d *Mw Biwa Wb dtteriodam
w ontbD?el%P"btrbrawr dit
WAVOWor'elrerowr'- ? Bor?a~ner siMll be stwa am am oftis Nola aid arms saw*
hokum"
IL TUMNIrr of as W a Meer Nd bloom la lss?eoaNet. Am ¦aad is ft
8ooeiao l "lrterrot is dw aiarss aw bed at bum" kwas in
ieoi¦dbM.tso No" for Myra br¦¦faid i?irls ttfrelasrd ? a bald dit aaoliaet br
deed. rrMr ooalnot4raav dw sleet aCwbi? is ?. a[thk by
B?aaauor ata ilMaea dab b a psobisnr.
Nov ar aw pet afla Grow, MosdN is WN or lafs?snad (a if
8aeraMar ii ad • fad . POM a boaedoirt ielrsiet is is !aid ar ler¦ei?cesd?
wo"Ot ? ? i ? lift- ots?R =? IN b foa da aot ierwi?wA b ?LaNdor C
nosioe ilkk amdm-- Iii w *a Haera?w?t aadao d so obom m mw
s rsiod ter ire, 30 4:0000 is deb Am Mdos it la
losiiiM . IfHaesarer *6 to Ewa ws we ? di w? wosN dtMi
btGriar Grapy eooadir pete+W ! y6 -tlda itwoa w* ?arwrc? lidw orAmanddan
Do"""
raw.n,..i L44W*w vrj--^ ..,..iwr.n.u.o.ilnw . fam ftm w. wt OW RWAOWW
O K I 9?44PG2818
oooriifio¦e„ gamaar Thom it b law a??att at 06 1ae¦eb ibmwa dime dbieo
low 9~ emMaaed adMla aaa o Ar?e?aliraraltd?a
!?r dre teraeieelios at' weir afar es
def
Low Oi1? ?aedleal? Ztiate ? ? - OOeR:
?
*M Ifn rd do lub" IN hokwut r do Now i OR e
Roam
?(b) a?. daidt d.eo? aitiar aa?re.earr ar.Meer..: (a) r!a ap .?ea.'red
hommid Leo ? 8id19 0imMietlosi ru/4 mot
AALet3n rr l?gw?r ast a¦iar i4 f¦e?t
n? ? hat
s?eorrib? mr4? swreiti)r aid Una 11 1iraeaa t i? ? M 1r aeri
ra , dol aaelaep&
?ieeleMa¦reat oeroee aed ?naaot is aae ar no ddr '? at.elrelr!
ta,? (b)!? seder. (aieeyAai aleck belt aiaeit,eweeti'""'aiaeh ar aeiY?lY
aaor aMtoic is arw rer i.alee?ioa mire le?ie aw iwei iMj a !
of or (a?iiidedoaedlaora¦ia 7006
iio leeareor?etaed aooeael
treeel?aiei iii f??i?Mlw ?
it a4 aoaeieeWm bof OOMP L HoweeaG f to M&A aoe a io to cow of
endow" Iffider lacdoa M
A ? ailtfalef Cliaadr atLMS ?arMeet? Naha s[Qeletaerea Z1r i?tolo ar a paeliool
mat riola wm 6b HIM rt it !teaiasarewt?wa
20Rfo Flo
r"',iw /aw bdlwm4et 10 d lwi iel?iolt"-'L'ir"ti° e?a? M?ioe a<aroee~ W4 Lea /ei maim a
gbeetiaacireya 1MLaaa wEbt soft
Otto chmp W" WE Me to aaoet ad ? -am- 00 &am to
w?" e, id ba mph sod coq aior kboudoet> Aaoboiao ie asaodeo<wldr e
me+nriaerVadr?r dreg t n p I r dGed b aoo?M rd*ewrer ? ie an!" Ilya Lain Am drm
saaorwer we ME" Mrldt tla low BerrJot a is ?e?b s aroa?ieatwrair
mutommmodb!?tlrNarpea?elaeoraaleetair?Me >?r?Nelo?ioer.
Neiller'Doteomat aar Irr¦te?q aaereeraas, arM jeiad b ?r #elat aadm (r
ddtor wbdrto l?at? doe ? at'a aaWr aadaas
a*ed bar lweoer a? lie ?1teM iati 8eew" yr lial r bal
aroioe? dh?w is maeeieaat w!t is aadaleoaorb d!¦otio.
Now 04
lpalrra? aadabeioiMadiar aaoar¦elideiiaierttr
or ao* aodoe b Wa am ? otM modem. N "le Law dfia a dim on
hom Uwbw aeetaia nodes m be ohm Mer ft to hr
b Noeloa ?t asd t11w ad a of madawlAm St ?rpioebeeib? aera?iwa amow
Ssc*m aeae?d b aalidyr dra aa? and appohantyr oaeetotiva ? p lbaior at 16b
+? d 20.
Pam ftft ¦ w wrar fflWv
6KI944PG2819
21. Banw dsom I l aftseee. M weed is *b SeWan 11: (?} 2dmo ¦oea" m
&M PAMilriM ddknd as /Dada at b¦vedomw 99bw19¦a9a? l011o1 wK or wow
Roirteoaese?aI Lsw mod dw 614 e Dee io?aeer? a?lc ?we4ie at leads
soft"
ar Nd wdMaaodw srni4? )
%am Lae ammas
as?
Lawn ad b w of el wlawe Aae hwad do e9ire a fuwi>i? a" or
l (e) 9ieriaeaeaatiwi?l e w ' iedwt9w wrk?? wwli9 eeo9nMd
" McMMOar t aoa a daefflowaroain low a, ea¦IabaaMs ar?oy adaei+wl?ir? H?i?rlnoaeealil
w6eD not awe Sir peak fM peew % 04 MoeMe, ar ewlwre of EW
Nw¦99der MrOMr at daewles d Wimime EW sawwwr a• w is dw
Haa w w"aol aw'aaw da vor iae dblft4e
nioletioa of?r Rowhommocelal Laws (la lv"M ee9ekae act SiarYieelet ar ta)
doe b de a14 ar "bon of s B9rwadeee la?elaawwwi, ow9lew • iat
wawoeewb? w?elw at 651 opaer. Mis we wwwlwaees doll sat wp?r b to
4
map = aoeaad we9M9aalMl im ad oe of dw
.et ?l?awooima. arre?oaaoee im oaaiar
Lotlw wIII son of $) r0?
dwaawss? Lilt or oeMS?aw ad It Bn L Opmer Haala?ei
iierdniaa? ie wad eaq Ha¦lddar
bu (b) anne9oseer9l Oan/keow lmiti be act hied ? awry
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on the Bast by South Peen Stswts an the Akwtb by lot foroarly of
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lands now or fosaerly of the Valley BakIjW Cbwpeiy,
horsof, and on the South by pwoperey, forrwrly of the state of Anna
8. Geiger and now or fattrss2y of Goaspe E. JbU*r and raemle M.
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Tart M)f 91-1E-9415-051
Ki 94,4P&2824
Ocwen Loan Servicing, LLC
P.O. Box 24737
O' West Palm Beach, Florida 334/6-4737
C C W E N (Do not send correspondence or payments to the above address.)
October 31, 2009
VIA First Class Mail
VIA Certified Mail (return receipt requested)
Certified Number: 71069017515129387987
Reference Code: 0908
Nathan J. Serino
202 South Penn Street
Shippensburg, PA 17257-0000
Loan Number: 103054649
Property Address: 202 South Penn Street, Shippensburg, PA 17257-0000
PLEASE SEE THE ENCLOSED DOCUMENT
1 4< 4
h)04 1 4? DACT91.15
This communication is from a debt collector attempting to collect a debt, any informat'-lon obtained will be used for that purpose.
However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and
does not constitute an attempt to collect a debt
1 ,
Ocwen Loan Servicing, LLC
0, P.O. Box 14737
West Palm Beach, Florida 33416-4737
O C W E N (Do not send correspondence or payments to the above address) WWW.OC'WF'.N.CON11
APPENDIX A
October 31, 2009
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
This is an official notice that the mortgage on your home is in default. and the lender intends to foreclose Specific
information about the nature of the default is provided in the attached pages
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (IIE A) may be able to help to save your home. This
Notice explains how the program works.
To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN
THIRTY Q0) DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling
Agency.
The name address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end
of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at
(800) 342-2397 (Persons with impaired hearing can call (717) 780-1869).
This Notice contains important legal information If you have any questions representatives at the Consumer Credit
Counseling Agency may be able to help explain it You may also want to contact an attorney ?n your area The local bar
association may be able to help you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENH)O DE ESTA NOTIFICACION,
OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO A ESTA AGENCIA (PENNSYLVANIA
HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. USTED PUEDE
SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S
EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA
PERDIDA DEL DERECHO A REDINUR SU HIPOTECA.
HOMEOWNER'S NAME(S): Nathan J. Serino
PROPERTY ADDRESS: 202 South Penn Street
Shippensburg, PA 17257-0000
LOAN ACCT. NO.: 103054649
ORIGINAL LENDER: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC.
CURRENT LENDER/SERVICER: OCWEN
DACT91.15
This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose.
However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and
does not constitute an attempt to collect a debt
1 f
' Ocwen Loan Servicing, LLC
P.O. Box 24737
O West Palm Beach, Florida 33416-4737
° ° W E " (Do not send correspondence or payments to the above address) WWW.0CWE'N.(.'Q,?9
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 your are entitled to a temporary stay of foreclosure on your
mortgage for thiM (30) days from the date of this Notice. During that time you mutt arrange and attend a "face-to-face"
mectiniz with one of the consumer credit counseling agencies listed at the end of this Notice, THIS MEETING MUST
OCCUR WITHIN THE NEXT S301 DAYS IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE
YOIJ MUST BRING YOUR MORTGAGE UP TO DATE THE PART OF THIS NOTICE CALLED"HOW TO CURE
YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE
CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agency listed
at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The
names addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the
properly is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise
your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this
Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to
resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency
Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance
Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only
consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete
application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty
(30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW
THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR
HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED.
AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the
Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days
to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against
you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing
Finance Agency of its decision on your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE
FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE
CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.
(If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance).
DACT91.15
This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose.
However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and
does not constitute an attempt to collect a debt
I . .
,x Ocwen Loan Servicing, LLC
P.O. Box 24737
OI West Palm Beach, Florida 33416-4737
o c W E N (Do not send correspondence or payments to the above address.) WWW.0CWI'N.(:10N9
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: 202 South
Penn Street, Shippensburg, PA 17257-0000
IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts
are now past due:
2 payments in the amount of $ 512.80 from September 01. 2009 through October 31, 2009
DETAIL SUMMARY :
Principal and Interest ..................
Interest Arrearage .......................
Escrow ...................................
Late Charges ............................
Insufficient Funds Charges...........
Fees / Expenses .........................
Suspense Balance (CREDIT).........
Interest Reserve Balance (CREDIT).
TOTAL DUE ..........................
.............. $ 677.40
.............. $ 0.00
............... $ 348.20
............... $ 33.88
................ $ 0.00
............... $ 5.54
............... $ 0.00
............... $ 0.00
................ $ 1,065.02
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 $1,065.02, PLUS ANY MORTGAGE
PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments
must be made either by Money Gram Cashier's Check Certified Check or Money Order made payable and sent to:
OCWEN
P.O. BOX 6440
CAROL STREAM, IL 60197-0440
IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this
Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding
balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly
installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends
to instruct its attorneys to start legal action to foreclose upon your mojUaagcd prop
IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the
mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal
proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred up to
$50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually
incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender,
which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period you will not
be required to pay attorney's f
-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 tip to one hour before the Sheriffs Sale You may do so bygaa, iy_ng 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 Sheriff's Sale of the
mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the
actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will
increase the longer you wait. You may find out at any time exactly what the required payment or action will be by
contacting the servicer.
DACT91.15
This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose.
However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and
does not constitute an attempt to collect a debt
y 7 . a
Ocwen Loan Servicing, LLC
P.O. Box 24737
O' West Palm Beach, Florida 33
O C W E N (Do not send correspondence
Name of Servicer: OCWEN
416-4737
or payments to the above address.) WW«,0CWEN.C0M
HOW TO CONTACT THE SERVICER:
Address: P.O. BOX 24737
WEST PALM BEACH, FL 33416-4737
Phone Number: 800-310-9229
Fax Number: 407-737-6300
Contact: Early Intervention Dept
EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged
property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you
and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE - You may or may not (CHECK ONE) sell or transfer your home to a buyer or
transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and
costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW
MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF
YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE
THAN THREE (3) TIMES IN ANY CALENDAR YEAR.)
TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER
LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY
DACT91.15
This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose.
However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and
does not constitute an attempt to collect a debt
• ' -
VERIFICATION
Danielle Boyle-Ebersole, Esquire hereby states that she is the Attorney for the
Plaintiff in this action, and that she is authorized to make this Verification, and that the
statements made in the forgoing Complaint in Mortgage Foreclosure are true and correct
to the best of her knowledge, information and belief.
The undersigned understands that this statement herein is made subject to the
penalties of 18 Pa.C.S. Sec. 4904 relating to unsworn falsification to authorities.
SHAPIRO & DeNARDO, LLC
BY-
Danielle Boyle-Ebersole, Esquire
Attorney for Plaintiff
Dated: a WS1 l d
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
PRAECIPE FOR WRIT OF EXECUTION
Caption:
HSBC Bank USA, N.A., as Trustee for the
registered holders of Renaissance Home
Equity Loan Trust 2006-1
PLAINTIFF
()Confessed Judgment
()Other
File No. I O ~ ~. / 0 8" c ti ~ i ~" ~-r ~n
Amount Due $79,941.19
Interest May 15, 2010 to September 8, 2010
is $1,122.38
Atty's Comm
Costs
vs.
Nathan J. Serino
DEFENDANT(S)
TO THE PROTHONOTARY OF THE SAID COURT:
The undersigned hereby certifies that the below does not arise out of a retail installment safe, contract, or
account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed
pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended.
Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon
the following described property of the defendant(s)
See attached Legal Description
PRAECIPE FOR ATTACHEMENT EXECUTION
Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above,
directing attachment against the above-named garnishee(s) for the following property (if real
estate, supply six copies of the description; supply four copies of lengthy personalty list)
and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s).
(Indicate) Index this writ against the garnishee(s) as a lis pendens against real estate of the
defendant(s) described in the attached exhibit. ~+
Date:~'`_ ~ ~ 2 OI ~ Signature: J `'
~~~ Do ~~ ~ Print Name: Michael J lark Es uire
Address: 3600 Horizon D rive, Suite 150
~ 9 ~-' 0 ~ c~~"S F
King of Prussia,
ff
PA 19406 ~ N
°
Attorney for: Plainti
y 6 ~ 00 Supreme Court ID # PA Bar # 202929 r ~: --~
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SHAPIRO & DeNARDO, LLC
BY: MICHAEL J. CLARK, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 202929
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 10-037420
HSBC Bank USA, N.A., as Trustee for the
registered holders of Renaissance Home
Equity Loan Trust 2006-1
PLAINTIFF
VS.
Nathan J. Serino
DEFENDANT
~u ;.< <
zoo per t 8 pt~ l~: u2
Cl1P,~.~ .: ~ ~~Niy
f ~i ~i ~w7 t~~~`~ri~t!~
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO: 10-2108
AFFIDAVIT PURSUANT TO RULE 3129.1
HSBC Bank USA, N.A., as Trustee for the registered holders of Renaissance Home
Equity Loan Trust 2006-1, Plaintiff in the above action, sets forth, as of the date the praecipe for
the writ of execution was filed, the following information concerning the real property located at
202 South Penn Street, Shippensburg, PA 17257.
1. Name and address of Owner(s) or Reputed Owner(s)
Nathan J. Serino
202 South Penn Street
Shippensburg, PA 17257
2. Name and address of Defendant in the judgment:
Nathan J. Serino
202 South Penn Street
Shippensburg, PA 17257
3. Name and last known address of every judgment creditor whose judgment is a record lien
on the real property to be sold:
HSBC Bank USA, N.A., as Trustee for the registered holders of Renaissance Home
Equity Loan Trust 2006-1
c/o Ocwen Loan Servicing, LLC
1661 Worthington Road
West Palm Beach, FL 33415
4. Name and address of the last recorded holder of every mortgage of record:
HSBC Bank USA, N.A., as Trustee for the registered holders of Renaissance Home
Equity Loan Trust 2006-1, Plaintiff
c/o Ocwen Loan Servicing, LLC
1661 Worthington Road
West Palm Beach, FL 33415
American General Financial Services, Inc.
6 South Hanover Street
Carlisle, PA 17013-0417
Name and address of every other person who has any record lien on the property:
NONE
6. Name and address of every other person who has any record interest in the property and
whose interest maybe affected by the sale:
Cumberland County Domestic Relations
13 North Hanover Street
Carlisle, PA 17013
7. Name and address of every other person of whom the plaintiff has knowledge who has
any interest in the property which maybe affected by the sale:
TENANT OR OCCUPANT
202 South Penn Street
Shippensburg, PA 17257
Cecelia Serino
202 South Penn Street
Shippensburg, PA 17257
I verify that the statements made in this affidavit are true and correct to the best of my
personal knowledge or information and belief. I understand that false statements herein are
made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to
authorities.
SHAPIRO & DeNARDO, LLC
~~
BY:
Michael J. C ark, Esquire
10-037420
FI't ~~.; ~ ~i- 'L~
'.)ice, GL ~'" r. ~.;1'Iw,~
SHAPIRO & DeNARDO, LLC
BY: MICHAEL J. CLARK, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 202929
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 10-037420
HSBC Bank USA, N.A., as Trustee for the
registered holders of Renaissance Home
Equity Loan Trust 2006-1
PLAINTIFF
VS.
Nathan J. Serino
DEFENDANT
201 ~ ~4A'~ I S ~;~ 12~v'° 2
r _ , ..,,
P ~ U i v 7`r' i..l,' ~~`~i.~~
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO: 10-2108
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Nathan J. Serino
202 South Penn Street
Shippensburg, PA 17257
Your house (real estate) at:
202 South Penn Street, Shippensburg, PA 17257
33-34-2415-051
is scheduled to be sold at Sheriffs Sale on September 8, 2010 at:
Cumberland County Sheriffs Office
1 Courthouse Square
Carlisle, PA 17013
at 10:00AM to enforce the court judgment of $79,941.19 obtained by HSBC Bank USA, N.A., as
Trustee for the registered holders of Renaissance Home Equity Loan Trust 2006-1 against you.
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriffs Sale you must take immediate action:
1. The sale will be cancelled if you pay back to HSBC Bank USA, N.A., as Trustee for the
registered holders of Renaissance Home Equity Loan Trust 2006-1 the amount of the
judgment plus costs or the back payments, late charges, costs, and reasonable attorneys
fees due. To find out how much you must pay, you may call:(610)278-6800.
2. You maybe able to stop the sale by filing a petition asking the Court to strike or open the
judgment, if the judgment was improperly entered. You may also ask the Court to
postpone the sale for good cause.
3. You maybe able to stop the sale through other legal proceedings.
4. You may need an attorney to assert your rights. The sooner you contact one, the more
chance you will have of stopping the sale. (See notice on page two of how to obtain an
attorney.)
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE
OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE.
5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You
may find out the price bid by calling (610)278-6800.
6. You maybe able to petition the Court to set aside the sale if the bid price was grossly
inadequate compared to the value of your property.
7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale.
To find out if this has happened you may call 717-240-6390.
8. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of
the property as if the sale never happened.
9. You have a right to remain in the property until the full amount due is paid to the Sheriff
and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal
proceedings to evict you.
10. You maybe entitled to a share of the money, which was paid for your house. A schedule
of distribution of the money bid for your house will be filed by the Sheriff no later than
thirty days after the Sheriff Sale. This schedule will state who will be receiving the
money. The money will be paid out in accordance with this schedule unless exceptions
(reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10)
days after the date of filing of said schedule.
11. You may also have other rights and defenses or ways of getting your house back, if you
act immediately after the sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU
DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR
TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU
CAN GET LEGAL HELP.
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE
ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR
ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE.
10-037420
ALL that certain lot of ground with a frame dwelling house and other improvements thereon
erected, situate on the West side of South Penn Street in the Borough of Shippensburg,
Cumberland County, Pennsylvania, bounded and described as follows:
On the East by South Penn Street; on the North by lot formerly of John L. Barner and now or
formerly of John Gutshall; on the West by lands now or formerly of the Valley Baking
Company, formerly a part hereof; and on the South by property formerly of the estate of Anna
E. Geiger and now or formerly of George H. Kohler and Fannie M. Kohler, his wife, the said lot
containing a frontage on South Penn Street of 40 feet and extending in depth to land now or
formerly of the Valley Baking Company 136 feet 6 inches, more or less.
Parcel No. 33-34-2415-051
BEING THE SAME PREMISES which Brian K. Gutshall, by Deed dated March 13, 2006 and
recorded March 27, 2006, in the Office for the Recorder of Deeds in and for the County of
Cumberland, in Deed Book 273 Page 3509, granted and conveyed unto the Nathan Serino, in fee.
ALL that certain lot of ground with a frame dwelling house and other improvements thereon
erected, situate on the West side of South Penn Street in the Borough of Shippensburg,
Cumberland County, Pennsylvania, bounded and described as follows:
On the East by South Penn Street; on the North by lot formerly of John L. Barner and now or
formerly of John Gutshall; on the West by lands now or formerly of the Valley Baking
Company, formerly a part hereof; and on the South by property formerly of the estate of Anna
E. Geiger and now or formerly of George H. Kohler and Fannie M. Kohler, his wife, the said lot
containing a frontage on South Penn Street of 40 feet and extending in depth to land now or
formerly of the Valley Baking Company 136 feet 6 inches, more or less.
Parcel No. 33-34-2415-051
BEING THE SAME PREMISES which Brian K. Gutshall, by Deed dated March 13, 2006 and
recorded March 27, 2006, in the Office for the Recorder of Deeds in and for the County of
Cumberland, in Deed Book 273 Page 3509, granted and conveyed unto the Nathan Serino, in fee.
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO10-2108 Civil
CIVIL ACTION -LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due HSBC BANK USA, N.A., as Trustee for the registered
holders of Renaissance Home Equity Loan Trust 2006-1 Plaintiff (s)
From Nathan J. Serino
(1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL
DESCRIPTION .
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of
GARNISHEE(S) as follows:
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due$79,941.19
L.L.$.50
Interest May 15, 2010 to September 8, 2010 is $1,122.38
Atty's Comm % Due Prothy $2.00
Atty Paid $194.50
Other Costs
Plaintiff Paid
Date: May 18, 2010
David D. Buell, Prot onotary
(Seal)
By:
Deputy
REQUESTING PARTY:
Name Michael J. Clark, Esquire
Address: Shapiro & DeNardo, LLC, 3600 Horizon Drive, Suite 150, King of Prussia, PA 19406
Attorney for: Plaintiff
Telephone: 610-278-6800
Supreme Court ID No. 202929
SHAPIRO & DeNARDO, LLC
BY: MICHAEL J. CLARK, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 202929
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 10-037420
HSBC Bank USA, N.A., as Trustee for the
registered holders of Renaissance Home
Equity Loan Trust 2006-1
PLAINTIFF
VS. ;
Nathan J. Serino
DEFENDANT
~-
2Q10 ~'i~'i I S F'~ i !~; C2
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO:10-2108
PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER
AND ASSESSMENT OF DAMAGES
Enter Judgment IN REM in the amount of $79,941.19 in favor of the Plaintiff and against
the Defendant, for failure to file an answer to Plaintiffs Complaint in Mortgage Foreclosure
within 20 days from service thereof and assess Plaintiffs damages as follows and calculated as
stated in the Complaint:
Principal of Mortgage Debt Due and Unpaid $73,339.76
Interest at 4.375% from November 1, 2009 to May 14, $1,714.05
2010(195 days @ $8.79 per diem)
Late Charges $50.82
Escrow Advances $787.57
Appraisal Fees $111.00
Property Inspection $21.00
Title Search Fees $250.00
Attorney Fees & Costs of Foreclosure $3 666 99
TOTAL ~~, $79,941.19
BY: ~
Michael J. Clark, Esquire
Attorney for Plaintiff
AND NOW, judgment is entered in favor of the Plaintiff and against the Defendant and
damages are assessed as above in the sum of $79,941.19. I
I c
ro. Prothy.
10-03 7420
e~i 3~4` rv
2.~ -.?y 2..27
~i~ ~~ ~~
t
SHAPIRO ~ DeNARDO, LLC
BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447
MICHAEL CLARK, ESQ., ATTORNEY I.D. N0.202929
3600 HORIZON DRNE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 10-037420
HSBC Bank USA, N.A., as Trustee for the COURT OF COMMON PLEAS
registered holders of Renaissance Home CIVIL DIVISION
Equity Loan Trust 2006-1 ~ CUMBERLAND COUNTY
PLAINTIFF
NO:
VS.
Nathan J. Serino
202 South Penn Street
Shippensburg, PA 17257
DEFENDANT '
STATE OF: Florida
COUNTY OF: Palm Beach
AFFIDAVIT OF NON-MILITARY SERVICE
THE UNDERSIGNED being duly sworn, states that he/she is over the age of eighteen years and
competent to make this affidavit and the following averments are based upon investigations made and records
maintained either as Plaintiff or servicing agent of the Plaintiff and that the above-captioned Defendant's last
known address is as set forth in the caption and they are not in the Military or Naval Service of the United
States of America or its Allies as defined in the Soldiers and Sailors Civil Relief Act of 1940, as amended.
Ocwen Loan Servicing, LLC on behalf of HSBC Bank USA, N.A., as Trustee for the registered holders of
Renaissance Home E uity Loan Trust 2006-1
By:
NAME: Johnna Miller
'y Public
TITLE: Authorized Signer
Sworn to and subscribed before me this.
10-037420
~,
SHAPIRO & DeNARDO, LLC
BY: CHRISTOPHER A. DeNARDO, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 78447
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 10-037420
HSBC Bank USA, N.A., as Trustee for the
registered holders of Renaissance Home ;
Equity Loan Trust 2006-1
PLAINTIFF
VS.
Nathan J. Serino
DEFENDANT
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO: 10-2108
NOTICE OF INTENTION TO TAKE DEFAULT
UNDER Pa.R.C.P. 237.1
IMPORTANT NOTICE
TO: Nathan J. Serino
DATE OF NOTICE: May 4, 2010
You are in default because you have failed to enter a written appearance personally or by attorney
and file in writing with the court your defenses or objections to the claims set forth against you. Unless
you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a
hearing and you may lose your property or other important rights. You should take this notice to a
lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office
to fmd out where you can get legal help:
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED
THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMP'T'ING TO
COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
NOTIFICACION IMPORTANTE
Usted se encuentra en estado de rebeldia por no haber tornado la accion requirida de su parte
en este caso. Al no tomar la accion debida dentro de un termino de diez (10) digs de la fecha
de esta notificacion, el tribuna podra, sin necesidad de compararecer usted in cone o escuchar
preuba alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos
importantes. Debe llevar esta notificacion a un abogado immediatamente. Si usted no tiene
abogado o si no tiene dinero suficiente para tal servicio, vaya en persona o llame por telefono a
la oficina cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir
assitencia legal:
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE
ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR
ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE.
PERSONS TO WHOM RULE 237.1 NOTICE SENT TO:
Nathan J. Serino, 202 South Penn Street, Shippensburg, PA 17257
Attorney for Plaintiff
SHAPIRO & DeNARDO, LLC
BY: CHRISTOPHER A. DeNARDO, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 78447
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 10-037420
HSBC Bank USA, N.A., as Trustee for the
registered holders of Renaissance Home
Equity Loan Trust 2006-1
PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
VS.
Nathan J. Serino
DEFENDANT
NO: 10-2108
CERTIFICATION OF MAILING NOTICE UNDER RULE 237.1
The undersigned hereby certifies that a Written Notice of Intention to File a Praecipe
for the Entry of Default Judgment was mailed to the defendant (s) and to his, her, their
attorney of record, if any, after the default occurred and at least (10) days prior to the date of
the filing of the Praecipe. Said Notice was sent on the date set forth in the copy of said Notice
attached hereto, May 4, 2010 to the following Defendants:
Nathan J. Serino, 202 South Penn Street, Shippensburg, PA 17257
-- l
Sheena`G. Mayer, Legal Assis~nt
to Christopher A. DeNardo, Esquire for
Shapiro & DeNardo, LLC
SHAPIRO & DeNARDO, LLC
BY: MICHAEL J. CLARK, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 202929
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 10-037420
HSBC Bank USA, N.A., as Trustee for the
registered holders of Renaissance Home
Equity Loan Trust 2006-1
PLAINTIFF
VS.
Nathan J. Serino
DEFENDANT
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO:10-2108
CERTIFICATE OF SERVICE
I, Michael J. Clark, Esquire, Attorney for the Plaintiff, hereby certify that I have served
by first class mail, postage prepaid, true and correct copies of the attached papers upon the
following person(s) or their attorney of record:
Nathan J. Serino, 202 South Penn Street, Shippensburg, PA 17257
Date Mailed: ~ ( ~ 1 ~~`~
SHAPIRO & DeNARDO, LLC
BY: V'~ ~ ~-
Michael J. lark, Esquire
Attorney for Plaintiff
SHAPIRO & DeNARDO, LLC
BY: MICHAEL J. CLARK, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 202929
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 10-037420
HSBC Bank USA, N.A., as Trustee for the
registered holders of Renaissance Home
Equity Loan Trust 2006-1
PLAINTIFF
VS.
Nathan J. Serino
DEFENDANT
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO:10-2108
CERTIFICATION OF ADDRESS
I hereby certify that the correct address of the judgment creditor (Plaintiff) is:
HSBC Bank USA, N.A., as Trustee for the registered holders of Renaissance Home Equity Loan
Trust 2006-1
c/o Ocwen Loan Servicing, LLC
1661 Worthington Road
West Palm Beach, FL 33415
and that the last known address of the judgment debtor (Defendant) is:
Nathan J. Serino
202 South Penn Street
Shippensburg, PA 17257
SHAPIRO DeNARDO, LLC
BY: V'
Michael J Clark, Esquire
Attorney or Plaintiff
10-03 7420
OFFICE OF THE PROTHONOTARY
COURT OF COMMON PLEAS
Cumberland County Clerk
Cumberland County Courthouse
1 Courthouse Square
Carlisle, PA 17013
Curtis R. Long
Prothonotary
TO: Nathan J. Serino
202 South Penn Street
Shippensburg, PA 17257
HSBC Bank USA, N.A., as Trustee for the
registered holders of Renaissance Home
Equity Loan Trust 2006-1
PLAINTIFF
VS.
Nathan J. Serino
DEFENDANT
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO: 10-2108
NOTICE
Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a
Judgment has been entered against you in the ab ve proceeding as indicated below.
7
Pro onotary
[XX] Judgment by Default
[ ]Judgment for Possession
[ ]Judgment on Award of Arbitration
] Judgment on Verdict
[ ]Judgment on Court Findings
IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL:
ATTORNEY MICHAEL J. CLARK, ESQUIRE AT (610)278-6800.
SHAPIRO & DeNARDO, LLC
BY: MICHAEL J. CLARK, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 202929
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 10-037420
HSBC Bank USA, N.A., as Trustee for the
registered holders of Renaissance Home
Equity Loan Trust 2006-1
PLAINTIFF
VS.
Nathan J. Serino
DEFENDANT
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO: 10-2108
PRAECIPE TO SETTLE. DISCONTINUE AND END
TO THE PROTHONOTARY:
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Kindly mark the above-captioned matter SETTLED, DISCONTINUED AND ENDED,
without prejudice.
SHAPIRO & DeNARDO, LLC
BY:
Michael J Clark, Esquire
Attorney for Plaintiff
a
SHAPIRO & DeNARDO, LLC
BY: MICHAEL J. CLARK, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 202929
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 10-037420
HSBC Bank USA, N.A., as Trustee for the
registered holders of Renaissance Home
Equity Loan Trust 2006-1
PLAINTIFF
VS.
Nathan J. Serino
DEFENDANT
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO: 10-2108
CERTIFICATE OF SERVICE
I hereby certify that I have served a true and correct copy of the Praecipe to Settle,
Discontinue and End on to all parties named herein at their last known
address or upon their attorney of record as below listed by regular mail, postage prepaid:
Nathan J. Serino
202 South Penn Street
Shippensburg, PA 17257
SHAPIRO & DeNARDO, LLC
BY:
Michael .Clark, Esquire
Attorne for Plaintiff