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HomeMy WebLinkAbout10-2850?iL?? yr=ir:E Y r''l ? l ? ?P RY OF T'' 2010 APR 29 AM 10: 23 ITy Phelan Hallinan & Schmieg, LLP Lawrence T. Phelan, Esq., Id. No. 32227 Francis S. Hallman, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 i Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 CHASE HOME FINANCE LLC 3415 VISION DRIVE COLUMBUS, OH 43219 Plaintiff V. ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION TERM BARBARA E. WOODS NO. 9 KIMBERLY LANE CARLISLE, PA 17015-9197 CUMBERLAND COUNTY Defendant CIVIL ACTION - LAW COMPLAINT IN MORTGAGE FORECLOSURE f :2 66 ? y File #: 237536 4t,40 y 113 v U 237536 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, 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. CUMBERLAND COUNTY ATTORNEY REFERRAL CUMBERLAND COUNTY BAR ASSOCIATION CUMBERLAND COUNTY COURTHOUSE 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 (800) 990-9108 File #: 237536 I . Plaintiff is CHASE HOME FINANCE LLC 3415 VISION DRIVE COLUMBUS, OH 43219 2. The name(s) and last known address(es) of the Defendant(s) are: BARBARA E. WOODS 9 KIMBERLY LANE CARLISLE, PA 17015-9197 who is/are the mortgagor(s) and/or real owner(s) of the property hereinafter described. 3. On 12/27/2006 mortgagor(s) made, executed and delivered a mortgage upon the premises hereinafter described to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INCORPORATED AS A NOMINEE FOR AEGIS WHOLESALE CORPORATION which mortgage is recorded in the Office of the Recorder of CUMBERLAND County, in Mortgage Book No. 1978, Page 1633. The PLAINTIFF is now the legal owner of the mortgage and is in the process of formalizing an assignment of same. The mortgage and assignment(s), if any, are matters of public record and are incorporated herein by reference in accordance with Pa.R.C.P. 1019(g); which Rule relieves the Plaintiff from its obligations to attach documents to pleadings if those documents are of public record. 4. The premises subject to said mortgage is described as attached. 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 07/01/2009 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon failure of mortgagor to make such payments after a date specified by written notice sent to Mortgagor, the entire principal balance and all interest due thereon are collectible forthwith. 6. The following amounts are due on the mortgage: File #: 237536 Principal Balance $308,899.53 Interest $16,308.23 06/01/2009 through 04/17/2010 (Per Diem $50.78) Attorney's Fees $650.00 Cumulative Late Charges $1,726.74 12/27/2006 to 04/17/2010 Costs of Suit and Title Search $550.00 Escrow Deficit $2,296.19 Subtotal $330,430.69 Suspense Credit ($1,712.71) TOTAL $328,717.98 7 8 9. Plaintiff is not seeking a judgment of personal liability (or an in personam judgment) against the Defendant(s) in the Action; however, Plaintiff reserves its right to bring a separate Action to establish that right, if such right exists. If Defendant(s) has/have received a discharge of personal liability in a bankruptcy proceeding, this Action of Mortgage Foreclosure is in no way an attempt to reestablish such personal liability discharged in bankruptcy, but only to foreclose the mortgage and sell the mortgaged premises pursuant to Pennsylvania Law. Notice of Intention to Foreclose as set forth in Act 6 of 1974, Notice of Homeowner's Emergency Assistance Program pursuant to Act 91 of 1983, as amended in 1998, and/or Notice of Default as required by the mortgage document, as applicable, have been sent to the Defendant(s) on the date(s) set forth thereon, and the temporary stay as provided by said notice has terminated because Defendant(s) has/have failed to meet with the Plaintiff or an authorized consumer credit counseling agency, or has/have been denied assistance by the Pennsylvania Housing Finance Agency. The action does not come under Act 6 of 1974 because the original mortgage amount exceeds the dollar amount provided in the statute. File #: 237536 WHEREFORE, Plaintiff demands an in rem judgment against the Defendant(s) in the sum of $328,717.98, together with interest from 04/17/2010 at the rate of $50.78 per diem to the date of judgment, and other costs, fees, and charges collectible under the mortgage and for the foreclosure and sale of the mortgaged property. PHELAN HALLINAN & SCHMIEG, LLP By: Lawrence T. Phelan, Esq., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 ,Ocourtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 Attorneys for Plaintiff File #: 237536 LEGAL DESCRIPTION ALL THE FOLLOWING described real estate, with any improvements thereon, locally known as 9 Kimberly Lane, Lying and being situate in Dickinson Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at a steel pin in T-356, Cold Springs Road at corner of Lot No. 5; thence along Road, South 36 degrees 22 minutes 40 seconds East 27.59 feet to a steel pin; thence still along T-356, South 43 degrees 07 minutes 15 seconds East 19.40 feet to a steel pin; thence across T-356, South 46 degrees 52 minutes 45 seconds West 25.00 feet to a steel pin in dedicated right of way line of T-356; thence along a curve to the right having a radius of 281.35 feet and an arc length of 145.86 feet to a steel, pin; thence continuing along Lots 4, 15, and 16, South 76 degrees 49 minutes 30 seconds West 570.95 feet to a steel pin; thence along Lot No. 16, South 13 degrees 10 minutes 30 seconds East 754.84 feet to a steel pin; thence along lands of John C. Walters South 76 degrees 49 minutes 30 seconds West 246.57 feet to a steel pin; thence along lands of Samuel Stuart, North 16 degrees 50 minutes 35 seconds West 820.39 feet to a steel pin; thence along lands of Lester Eser, North 72 degrees 36 minutes 20 seconds East 325.44 feet to a steel pin; thence along Lot No. 5, South 16 degrees 40 minutes 25 seconds East 37.90 feet to a point; thence still along Lot No. 5, North 76 degrees 49 minutes 30 seconds East 543.14 feet to a point; thence along a curve to the left having a radius of 231.36 feet having an arc distance of 120.91 feet to a point in dedicated right of way line of T-356; thence crossing road, North 53 degrees 37 minutes 20 seconds East 27.24 feet to a point, the place of BEGINNING. Designated as Lot No. 14 on Plan of Cold Spring Meadows, Plan Book 59, page 128. PARCEL No. 08-12-0338-090 PROPERTY ADDRESS 9 KIMBERLY LANE, CARISLE, PA 17015 File #: 237536 VERIFICATION The undersigned attorney hereby states that I am the attorney for the Plaintiff in this matter, that Plaintiff is outside the jurisdiction of the Court and/or the verification could not be obtained within the time allowed for the filing of the pleading, that I am authorized to make this verification pursuant to Pa.R.C.P. 1024 (c), and that the statements made in the foregoing Civil Action in Mortgage Foreclosure are based upon information supplied by Plaintiff and are true and correct to the best of my knowledge, information and belief. Furthermore, counsel intends to substitute a verification from Plaintiff upon receipt. The undersigned understands that this statement is made subject to the penalties of 18 Pa.C.S. Sec. 4904 relating to unsworn falsifications to authorities. ttorney for Plaintiff .0011 DATE: Iv File #: 237536 .,., ,; Pry _, PHELAN HALLINAN ~ BY: JOSEPH P. SCHA Identification No. 91656 126 Locust Street Harrisburg, PA 17101 (215) 563-7000 SCHMIEG, LLP LK, ESQUIRE Attorney for Plaintiff Chase Home Finance LI 3415 Vision Drive Columbus, OH 43219 Plaintiff vs. Barbara E. Woods 9 Kimberly Lane Carlisle, PA 17015 Court of Common Pleas Civil Division Cumberland County No.10-2850-Civil MOTION FOR Si:iMMARY JUDGMENT Plaintiffrespect ly requests that the Court enter an Order granting summary judgment in its favor in the above-cap~ioned matter and in support thereof avers as follows: 1. There aze ~-o material issues of fact in dispute. 2. Plaintiff is seeking only an in rem judgment in this mortgage foreclosure action. 3. Defendant Bazbara E. Woods, has filed an Answer to the Complaint in which she has effectively admitted a 1 of the allegations of the Complaint, as is further addressed in Plaintiff s attached Brief. 4. In her Ans er, Defendant generally denies paragraphs five and six of the Complaint, which aver th default and the amounts due on the Mortgage. True and correct copies of Plaintiffs Mortgage Complaint and Defendant's Answer aze attached hereto, incorporated herein by re ce, and makked as Exhibits C and D, respectively. 5. Defendant executed the Mortgage promising to repay the loan on a monthly basis. A true and correct copy o the Mortgage, which is recorded in the Office of the Recorder of Cumberland County in M~rtgage Book No. 1978, Page No. 1633, is attached hereto, made part hereof, and marked Exhib~t A. A true and correct copy of the Note is also attached hereto, made part hereof, and marked E~chibit Al . 6. The Mort~age was assigned to Plaintiff. Said transfer was documented by an Assignment of Mortgage, hich is recorded in Assignment of Mortgage Instrument No. 201014191. A true and rrect copy of the Assignment to Plaintiff is attached hereto, incorporated herein by reference, and ~azked as Exhibit A2. 7. The Mort~age is due for the July 1, 2009 payment, a period in excess of thirteen (13) months. An Affidavi~ confirming the default and the amount of the debt is attached hereto, incorporated herein by reference, and makked as Exhibit B. 8. Defendants default is also evidenced by Plaintiffs loan history, a true and correct copy of which is attached hereto, made part hereof, and makked Exhibit F. 9. The last p yment applied to the Defendant's mortgage was on or around January 21, 2010. Plaintiffappli this payment to Defendant's account for the June 1, 2009 payment, as is evidenced by the attached loan history on Defendant's account. See Exhibit F. The account remains due and owing fc}r the July 1, 2009 payment. Furthermore, Defendant has not provided proof of any payments sh~ might have made. 10. The notice provisions of Act 6 of 1974 do not apply to this action because the original Mortgage amount exceeds the dollaz amount provided in the statute, as is further addressed in Plaintiffs attached Brie Nevertheless, Plaintiff sent Defendant a letter notifying her of her default and of Plaintiff s i~ made part hereof, and 11. The to foreclose. A true and correct copy of the letter is attached hereto, Exhibit E. Stay as provided by the Homeowner's Emergency Mortgage Assistance Program, Act ~1 of 1983, has terminated because Defendant has failed to meet with an authorized credit-counseling agency in accordance with Plaintii~s written notice to Defendant. A true and correct copy of a Notice of Homeowner's Emergency Mortgage Assistance Program is attached hereto, made p hereof, and marked Exhibit E. 12. Defendan~ has failed to sustain her burden of presenting facts, which contradict the averments of PlaintifFs 13. Plaintiff s~bmits that its request for attorney's fees for preparing and prosecuting its foreclosure action, execu ng on its anticipated judgment, listing the property for sheriffs sale, and ensuring the conveyance f clear title is reasonable. Plaintiff will address this issue further in its attached Brief. 14. Defendant has the right to reinstate and/or payoff the loan up until one hour before a scheduled SherifFs Sale. WHEREFORE, favor for the amount due sale of the mortgaged respectfixlly requests that an in rem judgment be entered in its interest and costs as prayed for in the Complaint, for foreclosure and Respectfully submitted, PHELAN HALLINAN & SCHMIEG, LLP Date: Schalk, ~sq for Plaintiff PHELAN HALLINAN BY: JOSEPH P. SCH~ Identification No. 9165 126 Locust Street Harrisburg, PA 17101 (215) 563-7000 Chase Home Finance LI 3415 Vision Drive Columbus, OH 43219 Plaintiff vs. Barbara E. Woods 9 Kimberly Lane Carlisle, PA 17015 I. On December 27, and Promissory Note in consecutive, monthly property at 9 Kimberly copy of the Mortgage, Mortgage Book No. 19 A. A true and correct ~ SCHMIEG, LLP LK, ESQUIRE Attorney for Plaintiff Court of Common Pleas Civil Division Cumberland County No.10-2850-Civil PLAINTIFF'S BRIEF IN SUPPORT X06, Defendant, Barbara E. Woods, executed a Mortgage principal sum of $320,000.00, this sum being payable in equal, ~ments of principal and interest of approximately $1,918.56 on the Carlisle, PA 17015 (hereinafter the "Property"). A true and correct is recorded in the Office of the Recorder of Cumberland County in Page No. 1633, is attached hereto, made part hereof, and marked Exhibit of the Note is also attached hereto, made part hereof, and marked Exhibit Al . Defendant 2009 and each month under the Mortgage and Note by failing to make payments due July 1, On February 22, 2010, due to Defendant's default, Plaintiffmailed Defendant notice of its intention to foreclose on t~e Mortgage to Defendant at her last known address. Defendant, however, failed to cure th~ default. A true and correct copy of the notice is attached hereto, incorporated herein by re~erence, and marked as Exhibit E. Because Defendant failed to take the necessary affirmative steps to cure the delinquency, Plaintiff was left with no ternative but to foreclose in order to recover its unjust financial losses. Accordingly, the present ction was filed on Apri129, 2010. To date, Defendant has not brought the account current. II. PLAINTIFF IS l LAW Summary judgme litigants and the courts in Pa.Super. 451, 567 A.2d 18, 20 (1996). A Motion MA' is a means to "eliminate the waste of time and resources of both where a trial would be a useless formality." Liles v. Balmer, 389 (1989); First v. Zem Zem Temple, 454 Pa.Super. 548, 551, 686 A.2d Summary Judgment shall be granted if the documents of record show there is no genuine issue to any material fact and that the moving party is entitled to judgment as a matter of law. Pa.R.C.P 1035.2(1); Allen v. Merriweather, 413 Pa.Super. 410, 411, 605 A.2d 424 (1992); Beasel v. Ne Blvd. Bakin Co. Inc. 410 Pa. Super. 591, 593, 600 A.2d 610 (1991). The moving party ears the burden of demonstrating clearly that there is no genuine issue of triable fact. Driscoll v. Cafraenters District Council of Western Pennsylvania, 370 Pa.Super. 295, 536 A.2d 412 (1988); affi ed 525 Pa. 205, 579 A.2d 863 (1990); Allen, 413 Pa.Super. at 411; Beasel, 410 Pa.Super. at 5 4; Hower v. Whitmark Assoc., 371 Pa.Super. 443, 381 A.2d 524 (1988); Romah v. H 'eni Sanitation Co. 705 A.2d 841, 848 (Pa.Super. 1997). In response, the nonmoving party may no~ rest upon the pleadings, but must set forth specific facts demonstrating a genuine issue for trial. P~affv. Gerner, 451 Pa. 146, 303 A.2d 826 (1973); Dujai v. Dennis, 431 Pa.Super. 366, 370, 636 ~.2d 1130, 1132. Rule 1029(b) of t~e Pennsylvania Rules of Civil Procedure specifically provides: Avermen in a pleading to which a responsive pleading is required are admi when not denied specifically or by necessary implicati A general denial or a demand for proof, except as provided y subdivision (c) and (e) of this rule, shall have the effect of an ssion. It is well settled that a ge~eral denial is unacceptable and deemed an admission where it is clear that the defendant has adequa~e knowledge and that the means of information are within the control of the defendant. Elia v. Ol~zewski, 368 Pa. 578, 84 A.2d 188 (1951). Cercone v. Cercone, 254 Pa. Super. 381, 386 A.2d 1 (978); City of Philadeluhia v. Hertler, 114 Pa. Cmwlth. 475, 482, 539 A.2d 468, 472 (1988). Goodrich-Amram 2d §1029(c)(1), p. 280. A general denial effectively manifests an admission tc~ the facts averred in the complaint. Swift v. Milner, 371 Pa. Super. 302, 308, 538 A.2d 28, 31 (198); Michner v. Montgomery County Tax Claim Bureau, 671 A.2d 285, 288 (Pa. Cmwlth. 1996). One purpose in demanding a specific denial is to enable the parties to focus upon the disputed f~cts and to assist the Court in defining the issues for trial. Bo lg_ey, Harting & Reese v. Stuart, 11 DB~C 3d 303, 310 (Chester Co. 1979). Plaintiff submits tat, in the Answer, Defendant has effectively admitted every allegation of the Complaint. Although Defendant purports to deny paragraphs five and six of the Complaint, which aver the default an the amounts due on the Mortgage, respectively, Defendant's averments amount to nothing more an general denials and demand for proof. Defendant generally denies the amount due under the Mo gage without reference to what she believes to be the correct amount due, or reference to any god reason to believe that the amount sought is erroneous. Unquestionably, Defendant knows specifically what payments she made on the Mortgage. Accordingly, because Defendant is charged with having sufficient knowledge upon which to base a specific denial with resp~ct to the averments contained in paragraphs five and six of the Complaint, a general denial is insuffiIcient to raise a genuine issue of fact. Cercone v. Cercone, supra; Ci of Philadelphia v. Hertler, s~pra. The Pennsylvania Superior Court has held that, in order to raise a genuine issue of fact, defendants may not rest on the pleadings, but must sustain the burden of presenting facts to count~r Plaintiffs averments. New York Guazdian Mortgage v. Dietzel, 524 A.2d 951 (Pa. Super. 1987). Washington Federal Savings and Loan Association v Stein, 515 A.2d 980 (Pa. Super. 1986). A party will not be able to rely on 1029(c) and be excused from answering averments based on a lac of information where that party has sufficient information at its disposal to answer such allegation. Commw. by Preate v. Rainbow Associates, 138 Pa. Commw. 56, 587 A.2d 357, 358 (1991). The Pennsylvania Superior Court reiterated this principle in another mortgage foreclosure case. The Court held tha~ the mortgagors' general denials in their answers to the Complaint must be considered admissions. 1~irst Wisconsin Trust Co. v. Strausser 439 Pa.Super. 192, 653 A.2d 688 (1995). The Court reaso~ed that the only persons with knowledge of the amount due, besides the mortgage company, would be the mortgagors. Therefore, if defendant mortgagors do not plead specific facts in response ~o the allegations in the Complaint regarding the default and the amount due, the defendants are d~emed to have admitted the allegations, and summary judgment for the mortgage company is pro~er. First Wisconsin Trust Co. v. Strausser supra. In determining if ~n answer is a general denial, the Court must examine the pleadings as a whole. Commw. b Prea a su ra. at 61, 587 A.2d 357, 360 (1991). A review of the pleadings as a whole in the instant case weals that Defendant has failed to sustain her burden of presenting facts, which contradict the elem~nts of Plaintiffs claim. Defendant's general denial of the amounts due and the default should be ~riewed as admissions by this Honorable Court. III. The within case is a mortgage foreclosure action, the sole purpose of which is to take the Defendant's mortgaged p~operty to Sheriffs Sale. Pennsylvania law makes clear that an action in mortgage foreclosure is st~ictly in rem and does not include any personal liability. Newtown 424 Pa. Super 53, 55, 621 A.2d 1036, 1037 (1993). Sig<lal 257 Pa. Super 101, 109, 390 A.2d 266, 270 (1978). Pennsylvania Rule of Civi~ Procedure 1141(a). However, Pennsyl~rania law requires that the foreclosure action demand judgment for the amount due. Pa.R.C.P. 1147(6). The purpose of the dollar amount in the in rem judgment is only for bidding at the Sheriffs Sale. In the event that a third party real estate speculator were to bid on the mortgaged property at Ithe Sheriffs Sale and become the successful purchaser, Plaintiffwould receive the amount of the ~ rem judgment from the Sheriff, while the third party purchaser would obtain a deed to the prope~ty. Accordingly, the amount of the in rem judgment has no bearing or impact on the Defendant. IV. As to the attorney ~ees recited in paragraph six of the Complaint, it should be noted that paragraph twenty-two (22~ of the Mortgage clearly indicates that Defendant is liable for an attorney fee, costs of suit, and cost of title evidence if Defendant defaults on the loan. The attorney fee claimed in Plaintiffs Com~laint is less than five percent of the principal balance due on the loan. When Plaintiffwas prepar~ng its foreclosure Complaint, it could not know how much the attorney fees and costs would be upon completion of the foreclosure action. Plaintiff could not know whether the Defendant wo~ld contest the case and, if so, how extensively. Accordingly, Plaintiff used Pennsylvania case lav~ as a guide. Attorney fees are epforced in order to compensate the Plaintiff for the reasonable and necessary expenses of to expend sums of money The Superior Court has held that it is inequitable for a mortgagee attorney fees in order to collect sums owed to him. East agate 236 Pa.Super. 503, 345 A.2d 279 (1975). As a general rule, requested fee of five Pennsylvania Courts have and enforceable. fees, which aze reasonable, will be permitted by the Court. A of the outstanding principal balance has been granted by the Court. and repeatedly concluded that such a 5% provision is reasonable 51 Pa. 78 (1865); Fast Federal Savings and Loan 68 D&C 2d 751, 755 (1974). It is important to mortgagee, not the chazges made necessary that the attorney fees called for in the Mortgage aze owned by the . They are not limited to the actual attorney fees but cover also the extra the mortgagor failed to meet his obligation. Foulke v. Hatfield Fair Grounds Bazaaz. Inc., 196 Pa.Super. 155, 173 A.2d 703 (1961); Harper v. Consolidated Rubber Co., 284 Pa. 444, X31 A. 356 (1925). In Federal Land Balnk of Baltimore v. Fetner, the Superior Court held that an attorney fee of 10% of the original loan a~iount was not unconscionable. 410 A.2d 344 (Pa.Super. 1979). The Superior Court cited Fetn in confirming that an attorney fee of ten percent included in the judgment in a mortgage foreclosure action was reasonable. Citicorp v. Morrisville Hampton Realtv. 662 A.2d 1120 (Pa~Super. 1995). Importantly, Plaint~ff cleazly outlined how Defendant could avoid paying Plaintiffs attorney fees in the Notice of Intent~on to Foreclose Mortgage, which was mailed to Defendant. Defendant, however, failed to take the necessary affirmative steps to cure the delinquency, but rather has opted to litigate, which has resul~ed in more attorney fees. Additionally, Plaintiff submits that the amount demanded for costs of suit and title seazch in Plaintiffs Complaint is neither excessive nor unreasonable. Moreover, the rep fact, which precludes the Newton v. Enrico, 40 D8 equitable authority to set of material fact regarding V. PLAINTIFF'S 11 UNDER ACT 6 As averred in par do not apply to this case. Before any residf residential wort mortgage foreclo give the residenti days in advance a §403(x). Section 403(a) applies on and said amendments bec residential mortgage as, " amount of the base figure read property located with Two Hundred Seventeen amount is to be adjusted a Pennsylvania. The Act 6 notice I loan amount exceeded $2 notice of its intention to fc of attorney fees does not create a genuine issue of material of summary judgment. First National Bank and Trust Co. of 3d 228 (1985). Importantly, Plaintiffrecognizes this Honorable Court's fees and costs as it deems reasonable. Therefore, there is no issue attorney fees. nine (9) of the Complaint, the notice provisions of Act 6 of 1974 ion 403(a) states: tial mortgage lender may accelerate the maturity of any age obligation, commence any legal action including ire to recover under such obligation ... such person shall mortgage debtor notice of such intention at least thirty provided in this section. (emphasis added.) 41 P.S. to residential mortgages. Act 6 of 1974 was amended in June, 2008 ne effective September 6, 2008. As amended, section 101 defines a obligation to pay a sum of money in an original bona fide principal • less as evidenced by a security document and secured by a lien upon this Commonwealth. Section 101 further defines the base figure as Eight Hundred Seventy-Three Dollars ($217,873.00). This by the Department of Banking of the Commonwealth of (§403) does not apply to the within case because the original ,873.00. Nevertheless, it should be noted. that Plaintiff sent Defendant on the Mortgage, which outlined the necessary steps Defendant should take to avoid fore Mortgage letters are atta< Because Defendant failec had no alternative but to VI. PLAINTIFF CC 1974.41 P.S. X11 Defendant denies Defendant a Notice of Ins P.S. §101 et seq. and Act received any notice. Hoy Notice of Intention to Foy A true and correct copy o marked as Exhibit E. Plaintiff has fully attempted denial of receil that it was not sent. 41 P. requirements of Act 6: True and correct copies of the Notice of Intention to Foreclose hereto, incorporated herein by reference, and marked as Exhibit E. to take the necessary affirmative steps to bring the loan current, Plaintiff foreclosure proceedings. paragraph eight (8) of the Complaint, which avers that Plaintiff sent to Foreclose in accordance with the provisions of Act 6 of 1974, 41 91 of 1983, 35 p.s. § 1680.401 c .Defendant contends that she never as stated in Plaintiffs Affidavit, attached hereto as Exhibit B, a was sent by certified mail to Defendant at her last known address. Plaintiffs notice is attached hereto, incorporated herein by reference, and with the statutory requirements of Act 6 of 1974, and Defendant of Plaintiffs Notice of Intention to Foreclose Mortgage does not mean §403 clearly indicate what Plaintiff must do to comply with the notice a. Before an residential mortgage lender may accelerate the maturity of any res dential mortgage obligation, commence any legal action including ortgage foreclosure...suchpecson shall give the residenti mortgage debtor notice of such intention at least thirty days in ad ance... b. Notice of tention to take action as specified in subsection (a) of the section sh 1 be in writing, sent to the residential mortgage debtor by registered r certified mail at his last known address and, if different, at the resi ence which is the subject of the residential mortgage. Jurisdiction is acquired over a mortgagor in a mortgage foreclosure proceeding even in the absence of actual receipt ~f the Notice of Intention to Foreclose where the mortgagee complies with §403(b) by sending the ice to the mortgagor's last known address. First Federal Savings and 29 D&C.3d 675 (1983). Defendant, the affirmative steps to losses as a result no alternative but to Plaintiff submits obligation. Because Defendant's attempted VII. TERMINATED The Temporary to meet with Plaintiff or written notice to Mortgage Assistance Act as Exhibit F. Act 91 of 1983 ignored Plaintiffs Notice of Intention to Foreclose, and did not take the loan current. Accordingly, in order to recover its unjust financial decision to stop paying mortgage payments, Plaintiff was left with on the Mortgage. 's failure to take action shows her disregazd for her Mortgage shown that it has fully complied with the statutory requirement, is not a defense to this action. Y pursuant to Act 91 of 1983 has terminated due to Defendant's failure authorized credit counseling agency in accordance with Plaintiffs True and correct copies of the Notice of Homeowners' Emergency 1983 aze attached hereto, incorporated herein by reference and mazked that notice be sent by the mortgagee to the delinquent mortgagor by first class mail addressed ~to his last known address. 35 P.S. § 1680.403c(a). The statute specifically provides that notice purs~ant to the statute shall be deemed received on the third business day following the date of the nailing of the same. 35 P.S. § 1680.403c(e). The letter contain~d the name, address and telephone number of Plaintiffs representative, whom Defendant could have contacted to discuss the delinquency and the possibility of qualifying for emergency mortgage assistance. Notwithstanding the receipt of this information, Defendant failed to take action that would have resulted in a temporary stay of the proceedings. Because the homeowner failed to met with an approved consumer credit counseling agency and file an application within the pe~iod specified, and failed to meet other time limitations under Act 91, the temporary stay under Ac~ 91 of 1983 has expired. Plaintiff, therefore, has properly complied with Act 91 and is permitted t proceed with its foreclosure action. Additionally, Plaintiff submits that the Pennsylvania Housin Finance Agency would now consider the homeowner ineligible for assistance due to Defendant's failure to satisfy the procedural time requirements of Act 91 of 1983. VIII. CONCLUSION The purpose of the summary judgment procedure is to prevent vexation and delay, improve the machinery of justice, ~romote the expeditious disposition of cases and avoid unnecessary trials when no genuine issue oifimaterial fact is raised. In making its detcrmination, the Court must accept as true all properly pleaded facts, as well as all reasonable inferen s, which might be drawn from them. Thomason v. Nason, 379 Pa.Super. 115, 535 A.2d 1177 (198 ), affirmed, 527 Pa.330, 591 A.2d 703 (1991). The Court must restrict its review to material filed i~ support of and in opposition to the Motion for Summary Judgment, and to uncontroverted allegati ns in the pleadings. Pa.R.C.P.1035. Overly v. Kass, 382 Pa.Super. 108, 545 A.2d 970 (1989). Plaintiff submits tat it has demonstrated sufficient facts to warrant summary judgment in its favor. Defendant executed the Mortgage knowing that she would be responsible for the payments. Plaintiff has p#ovided an affidavit that Defendant is in default and set forth the amount owed by Defendant. The~efore, Plaintiff maintains that it has produced sufficient evidence to establish a prima facie a for mortgage foreclosure. Once Plaintiffhas satisfied its burden, Defendant has a responsi ility to demonstrate facts, which would create a genuine issue for trial. Phaff, supra. Defendant failed to sustain her burden of presenting facts, which would contradict the elements of Plaintiffs laim. Plaintiff respectfully submits that the allegations of the Complaint are, in fact, uncontroverted. Defendant has had use of the Property rent-free at Plaintiffs expense long enough. Defendant's Answer has been interposed for the purpose of delay only. Plaintiffrequests that its Motion be granted so that ~t can recover the unjust financial losses it has incurred to date. WHEREFORE, favor for the amount due sale of the mortgaged intiff respectfully requests that an in rem judgment be entered in its interest and costs as prayed for in the Complaint, for foreclosure and Respectfully submitted, PHELAN HALLINAN & SCHMIEG, LLP Date: U Schalk, Esquire for Plaintiff .~~•' • ••' ,- 1. .. - .~ • ~ i ld.. 1 '~'<.. 1 t ...i• ..'j •' :'~ w ,.a-•a: •+ir:^t~ . • .t Y•3 .:p' :.SS . ir:• `t ?•.:y i.•. .. • r.,," ~ . • -s.' -~, y. .z,: _ . t,. t'a"•r. 's-:;:,• <<:e i ~,~~.: - •.r .:a~: ', r•frs~ _ ...~~ ~.•. f._ ,iyi~ •~• .. r•„ •"ate .y i A `j~jJ.... '~•: Y:• • a:t.•••- r•}Y , ~ea.•ti. ~fz.y.sr .:;rc .f,•' -s: •~:, s.!.:: ~`._ •i: :~5~..:. •_. •%. ~;~s .i: •,. -.+~':.' J-t•~ . ..•i. r•~f ::'S •ti'~ ii.-~ 3v. a. i.~7.C:.. u•<'f.:'•~ ~@ i. ^r. ~~' •y Js.-:•• 1, ~L'. =~•ii. -::}.'Vi'a r. • •t; ,a~ 3 ~ • z~}.:`~.~ . .~' /•,• 3i' :.,• - :. 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'!!r :S~ :+; G~ - •'.~r ,.;~r~:";, a.. 1. ~ { ~:•.-Z r:~~a}•• ~.j a.• Y - ~a ~ + ~ a •r,^.;?•' i:`.~•.. :S i• l=~ • <•~ .•ia ,: y; : , ~• i aim ~`-* , «s• }~:. 7~: ~t~ ~'ft . ~c•- yY ~i:~"r ..±' •.'.~~~,. •~~ !e'; . ' ~Crt ,•e w. ~.i•' `.ti. :f. ;~ .;. ..ti. .y _ ,T} .L4•, i.•~'~- •irL. '• x ]¢}j' 4"~?may ;~. ~.~'?3 •t ~•~rP-•Y.. j... ~ti ¢: :+y.• •y. •`a F~• ..L-: .'}e. ~' ,•?s•~~• :~~: ~ L iA M.~7~~5• ~Y.• ~~ 1. • +.~. +.r ` ~. •~ • - 5• f, _ - ;- ~ • • _ J. .'i • • r f:•. _ is r~ ' ,•A{~ - _ • • • • 1_• r: D ~• •••' •••• 4 A S' .r• . •~~• . ,• • .. v . _ .. . .f • .. . : ~ • . .. ' ... • . • r . S . • t• • .. • r •' • ~~ ~ ~ I - Sinols Fandy - Faunla M..~IRrs~. t41ae tJ11N~ORM ~iilUiilR FOMI sees ipi .. . ~. ~ , , Prepared by: .r;_._ d- Riddle & Giaana ... .. ; . ;... ....: . 717 N. Harawod, Suite ?A00 .. D TX 7SZ01 _. . 214 ~ J9N y ~(~ 1p 13 Return to: IS WHOLESALE CORPORATION A ON: LOAN SHIPPING 301 lI,RIARPARK DRIVE, +11700 H N, TX 77042 86i 399-5844 Tax Parcel Idea cation Number. OS-12-0338.090 iffiP•a Above This un. F« Rsoardlrq ~ Loan No: 3001 Data ID: 686 Boaower. E. WOODS MORTGAGE MIN: n>~n+nTioxs Words aced in m ti le sections of this docaasent am de~-ed below sad other wor+dc :n deSned in Sectiooa 3. 11, 7.8, ZO sad 21. Ceralin rules rag~lyding the usage of words seed in this documaat arc alto provided in Section 16. . (A~ "Secmi4 t" mans this document, which fs dated Dooember 27.2006, together with all Riders to this t (s) "Bocsawer" BARBARA E. WOODS , A SWGLE WOMAN Borro~aNer is the mortgagor under this Secori inctrameat. (t,~ ~MB3t8" is ortaage Eiearonic Regh:trstion Syauats, Inc. MBRS is a sopar u that d II~RRa S i L ' Ls acting co1e13- as Mader tfda t : cnec~ascora sa nomiaoe for Leader and eader Iaadra~went. MFRS is organized sad ~ uadarlaws az Dalawste, Clad as an address and hone number of P.O. Boa 2026, Flint, lldt X8501-2026, tel. (888) 679-MGRS. (D) aiarder" is IS WHOLESALE ODRPORATION. Leadel< is A CORPORATION organized and mdstt~g tha hrws of the Stun of DELAWARB. Landsr'c address is 3010 BRLAI ARK DRYVE~ S~7TTE HOiJi4'I'ON, 'I~AS ?7042. (>~y Note" men the promiswty note: by Horrowor and dated December 27, 2006. The Note states that owes Lender HUNDB®1WE1~1Y THOUSAND sna NO/100~----Dollars ([I.3. s 32oeoo plus intarect. Hormwer has promised to pay this debt in rogular Periodic Payments and to pey the tin full not Isar than Jaalc~at^j 1, 2047. n+.p. r a ra P.prs) 6R 1978PG 1633 04/22/2010 12:01:42 PM Inst.# 200700418 -Pace 1 of 19 CUMBE-RIAND COUNTY Lose No: (g) "Property" me (G) wLow~" Head: ciurges due under liowlag Rid~ersm a ^ adfnstable Ra p Balloon Rider p loth«{s) spec ~ L otdiaanoand ad >~ non-appealsl (~ 4 A that are b assodstion or simj ~eclcsi instrument, comp debit or a+edit as teller machine m transfers. ¢) "Tscrow Iseu ~~ (i) damage to, or iii w t~ va ( awn, (o) ~rioak ; the Note, plus Dais ID: 686 the progeny that is described below wader the heading '"IYansfer of Rights in the dobt evidenced by the Note, plus interest, dry ~epayasent dad law he Note, sad aU sm~ due under this Seecrrity Iastroas4at, glad inure a sII Riders to this Security lnsuromreat that are moxuud by Borrower. 'i7te to be aaaartai by Borrower (cboctc beoc as appliabtej: s Rider p oondamoioiam Ridm O soooad Home Rider er ~ ByUpaymentRider t Rider mains a1! ooatrolting appHcsbb federal, slaw and 1oa11 statutes, r~egNatiomis, dstrative tales and orders (that .have the erect of law) as wdl ss all sppliralble ~ ~ elation nee,, lees, and Aaaaelerots" means all dues, tees, dad othea ~aed on Borrower or the Pmporty b7' s eor~omiaiom a4aocaatbn, hoaseotvaers organimtion. a TriaaEa°' means any trtansfer of funds, other this a tansacxton originated by r paper instram~mtt, which is initiated through an elecCronic tarmimb tekphoaic or magnetic tape so as to ordm, icstract, or aathorize a l1Saa~dal iastlcatioa to punt. Such term iadadea, bat b not ifooised to, -of-rile irauafiera, aatontaud tioas, uanafers iaidated by tebphoae, wire .dad automated dearIctghouee means those items that are deatrlbod in Section 3. Piooeeds" mesas any eompensatl~, settlement, award of damagrs, orl~ecti Rher than iasnranea proeeeQs paid amlot the eovrsagea desarWed in atruction of. the Property; (li) condemnation or other tatda~ of all or day ppm~tt of ~nveyance is lieu of condemnation; or (iv} misrepresoantiorra of; or omimioas as condition of the Property. moans iaauranoe pmtaxing Fender swat the nonpayment o>i or default ~ axaas the regctlariy achedaled amount doe for (i} prhdcipal and iatereat Hader day amounts Hader Section 3 of ttiis Secauity Imtrumeat. I • SInpM Fllmily - FYMIM MMIFnddM ~AaO tINIFWIM aa~'1'lttM1ENT Fora soda trot (PaQs z o- ra P•Iw~V 8K1978PGi634 ndNl9Mn1n 1TM•d~ PM f:l IMRFRI ANII f:!)1INN Inst.# 200700418 -Page 2 of 19 Loan No: Dan ID: 686 (P} "RESPA" the Real Bstate SattiGmemt Prooednroa Aat {12 U.S.G i}2601 et aeq.} and ita ~p~tlnj q Re~on X GFR. Part 3500} as ~ tniEht be amended from time to torte, or any or sttoce«tor tip w re8aladoa t~tst'criecns ttie annro matter. As wed ht thia Itastranseat, A" re~6ets to alt tr~ sad r~cictlonsittro imposed i~s/~i}e~p~r~d to a misted ~e loan" a~en if tiro doea eat getal0,~r as a "federally related mort8age lean" (Q) "Soo~epos' Lbeaest d Henvae~ means any party that has ta>oen title to theSa~ropery ry, whether ar not thu panty asamned Borrowm'a obiiaadoas ondet the Note attddot thin ~~rtitty l~trame~nt. TBANS'FBR OF GHT3 IN Tli<E PROPERTY 'Ibis Secatrtty t socurea m Lender. {i} the repayment of the Loan, sad all r~ewala, atxl raoditicadatss of the Note; and (i~ the peeformanoe of Boarate~ ooMaatmts sad a~reeaseats under this Secodty fns and the Non. For this purpose, Borratner doe baabtr ~rmt and to I~R.S wlaty as nominee for Leader aril L aaooeaaors and ~aad to the sn~or: and of M15CtS the foIIaoving descrfied property located in the Co>taty of SEE LEGAL DI~SCRIPT'ION ATTACHED HBRETC) AND MADB A PART HEREOF which cnrrentiy the address of 9 KII~LY LANE, ~~p ~',~tLISLE, VANIA f~q [~ ("PAY ~~"}~ TO(3 WITH s11 the imptowestyents no~- or bere~ter erected on the ,and all eas~eart, app ,and ~tncea trove or Utter s part of the .All to and additbns shsal be eoWerad bq this Socatrity Iasut~t All of the is to is tlds Soc.~arity as the Bastoarer tmdastitrds and a8,rees that holds bsal title to the in is ted bry~3o~rrowa~ is ibis Security >nsuasnem, bat, if neoessatY to oo~Pry aai~tthb Lrw or cwtesq (as nominee for Lender and Lender's mooes:oss surd s~the rim to estrrdse any or of those interests, iacaadlog. but not limited to, the rift to and seII the this to take ~ regBired of Lender inc~dia8, bttt trot limited to, releasing and . sinoi. F.m~y • F.nd. t~lr<nadi. taw tttatroran lta~xr Fong acne i/et (P~yr g d 1A P~pw) 8K I ~78PG ! 635 04/99/9010 12:01:42 PM CUMBERLAND COUNTY lnst# 200700418 - Pie 3 of 19 ~, Loan No: Data ~ t586 BORRO COVENAN"IS that Bonoatet is lawfully seised of the esatte hereby and and has the right to gcaat and aanvey the Property and that the Pt+aperty is ueenoatmlarod, accept for auuasbranaK record. Borrower wamats and wW de6and r the title to the Ptt~perty against aII c~laima demander, anbject so atry eacombtasaa of r+eoard. THIS WBTRUMBIaT combines aaitorm covemats tar aationai use and non-ua~iborm cov+enaata with variations b9 jnrisdicaion to caditrrte a aaitorm aecority instrument covering real property. i,tNIF1oRM VENANTS. Borrow and Leader catronaat asd as tolbws: I. Ihr>•asrt vw shat! H d Prlndilal- Iatarast, Bseeow Imo, Prapgr^srrt '1M, a»i Lse (~harga. ghee debt avideaooed by the Note sad any ai o>; and interest on rlnd when doe the orro er t , p p sad later charge doe aader the Kota Borrower sha11 abo pap lands tar Hsaow W t 3. Pagrmeat: due under the Moto and this Setmrlty Iastrttmest shall be made ffi U.~ , if any check or other iastraaseat r~eoeiwl_ by IreoOer at t under the or alt ma ~ an at t i raod to Fender n I Note or this tc IMbov tornac, p y a astrrnyeteae s r due wader the Note and this Seearity be made is one or nrorrs of the ~~t :ekaed by Lesedet: (a) c~h: N) marw9 ot~der; ~c) oer~ed ei~t, ~ ~e~, treasurer': check depodts are r csahies^a chad4 providod any ~ check if drawn an i~ wlwse by a tedetal agency, isstromentality, or entity; ~ (d) E e~idrosric Ponds 'flramter. Paynuats deemed received by Lender when roc>eivad at the lowtioa desigawted is the Non or at such other as may be darted by Leader is aooordanoe with the notice JJ is Sec#mr iS. may retarrn any paynsent or partW payment f< the payment or parrdpaymeats are iaaiYtdmt to >~g the Loan comm. I.endar nu-y accept asq- psyasent or payment irrsaiBdaat to the?~oaa curt+oat, withoat wnivrt of nap rlgh~ hereaader err to fis rights to retaate sacL t or partial payments is the fetters, brat Leader is sot ob to applq such at the d d each t: are sooeptod. if ach Pesiadic t appLod as of its latet+est ear nns bold saciz e~need not a liod Leader ma rhe L uo er pp p y y a + atvwied toads ao a tll Borrowwer maloes t to btiag the I.oaa catatant. u Bortow~er doer eat do IihaU dther apply:nch fiwdc err :+ewts thorn to Bomow~er. b period of time u not applied , ,ouch loads wrU be spplied to fire onartasding ptiadpal balms wader the Note immodiataiy prig tarecloann. No oi~at at~ daiaa wffi~r Botra~r eight have naw or in the fiture I.eitde.r reiiave Borrower from ntaidng paymmsis doe under the Note a~ t6is Socarity t or the covmaats and aBreeaseat: seasnd ty this Searrity Imtrnmeat. t. d er Pe+oosais. t a othanvise daeribed is this Section 2, ail E ne eater accepted ~andet the app Leader hall be a i,~in th3e taDowiag order otprbrig-: (a) intarat ) Ono wader iho l~ (e amoums due uadcr 5ecdoa 3. Ste. payments shall be apppp to each Periodic Payasent in the orde ~ whidr it beams due Any r l b b d d hi li d fi t+e amoua 3ecarlty eer un er t n sbat e app e rst m a n~ rted~,bdanoa oaf tLo Nata atmnnts and thezt fo redaca the PEN[rSYL.VAN - t3Gplo t-~mMy - FannM M~o{F~od~lo Mae UN!'OIW INS1R11UElti' Fong aeaa trot (Papa s d it Papsa) 6N197gPG1636 04/99/9010 19:A1.49 PM ~ CUMBERLAND COUNTY Inst. 200700418 -Page 4 of 19 Loan No: ~ Data ID: 686 I[ Leader a papatent from Borma~ez for a deliagueat Periodic Payment which iadudes a ant~ieat smo to pay anry late charge due, tha psytnoat ntay be appIiod m the daimgocat payment and the late If more than sae Petiodia Payment is outstanding, Lesalcr ~ apPlY ~y Pmt received from to the repayment of the Puiodic Paymenpt ~ and to the anent that, each payment can ba is full. To the accent that any atoesa etriltts attar the payment h appliod to the full payment of or more Periodic Paymeata, such atoess tray ba applied ~ nay hue char~ea due. Vohmtary p b shall be applied &st to nay ptepaymeat charges atsd rhea as deetxbed in the Note. Any appliat of payments, htsuraaa ptoceoda, or ~ Proceeds to principal due under the Notes not eaotead or postpone the dun date, or dttmde the amo~oat, of the Periodic Payments. . 3. Fbnda Sscs~aw Itass. Borrower shall pay to Leader oa the day Pet~dic Paymeata are dne under the N aatil the Note h paid is full. a sum (the "Ptlmdt' to ptnvWe for payment of amounts due for: ) ta>aes sad ~ and other items which om attain priority over this Saatrity Inatruateat as a or etuauabtanoe on tine Proper4y; (b) leasehold payamati: or grosmd real: oa the ~P~S'~ ~ ~y- )Premiums for nay sad all iasasar~oe regairod by Leader nadec Section S; and (d) MorcPBe premiums, ii any. or nay sums payabb by Bon+o~lrea m Leads' is liar of the papmeat o! Iasuraaoe premiama in acootdaace whit the provisbmt of Section 10. 7bese itettts are called Items " At otigInation or at say time daring the term of the Loan. Lender may regaine that Assodstion Dues, Fear, sad Assasmeatt, if nay, be osctoared by Barrow~ar, and such does, fees share be an Fsci+ow Iteal Borrower shall promptly famish to Leader all aotioes of to ba paid atsdar th4 3et~ioa. Bortow~er ahW pay Lauder the Funds for &cmw Items unless wsiv~ea Borrower's obligtttbn W pay the P'ttodt Qor say or all Bscaow Items. Leader may waive 13arrovaaer's ob3iaaticm to pap to Lender Faada for nay or sII Bsa+tru- Items at nay time. Any each may only be in writing, Ia the artat of:uch waiver, Hortowet shsII pay dirocttl-, when sad where Ia, the amounts due for a~- Bsctow Itaos for whidt payment of Puads has boea waived by Leader if Lender ngaires~ shalt tarnish to Leader reodpts avidendag such payment within such time as Leaden may regatta Borr+awar'a obtlpttias to taaioe st>rh paryasenta and to provide tncdpta for aU purpose be deemod to be a oavenaat and agreeameat contained is thin Secatrily t, as the phrase 'oovenaat sad agreanteat" ~ used h3 Seaton 9, if Borrower is obligated to pay Items dirocd]y~ patsusnt to a waiver, and Borrower >~ to pay the amount due for an Bacrow Leader map esflecdse it: rljhts atuier Soctiaa 9 sad pay such amount and Borrowr~r shall then be under Suction 9 m repay to Leader nay sacdi anmosmt. Leader may t~avo>Qe the vraiver as oo nay all I3scxovv Itatas at nay time by a aottoe given is accordaaoe with Suction 15 said, apoa such revoGt a Borrower shall pay to Leader ari sad in each amounts, that are than required under Section 3. - BMOM R~r • P~nnM MMR7~eN~ iMe UNII'OMI NlrIIWYEIfr Fon11'009 test {Pp~ 6 o/ itt Pte) BK1978PG1637 f14/9917f)10 17:D1:42 PM Inst.# 200700418 -Page 5 of 19 CUMBERLAND COUNTY Loan No: Data ID' 686 Calder may, at a~ time, oollax and hofd Farads in an smouat (a) stsBldeat to permit I.eadea to apply the at the time specified under RF>iSPA. sad (b) not to esloood the maximum amount a leader can req under RBSPA Leader shall estimate the amoaat o! Farads dtle oa the basis of cutreat data and reasowb1E eadmtes o! espenditm+es of !afore Bsc~our Items or otb~erwbe is acoordatloe wlth Z1fe PAS Law be held is as inatitudon rvhasa deposits are insurod by a federal agency, i~eutality. o eatlty (inci~ng Lestder, it Leader b as hutfitution whose are so iastned) or is any Federal Loan Aaak Lendec shaII apply the Fonds W pay the Items no later than the time mdet RESPA Castor shall not ~ Bon+ower for holding sad applying the Fonda. anaoalis- the escravr acooaat, or verli~dgg the Fscxow Items, unlcas Fader pad Borrower interest a the Funds sad Applicabb Law permits Lender to mane each a Charge. Uakas ea agreement $ in writing or Appliwbie Law POgIIira fnta+est to be paid oA the Funds, Laden alts!! not bE tO pay Bortower any iADabSt or earnings oa 111E Farads. Bottower and LadEr can agree is hoaeNer, that iatec+est airaU be paid oa the Ponds. Leader shaII g~ to Horrawer, wlthoat charge, aaaual aooousdng o! the Pads m regdred by R88PA. I! there is a o! Ponds held is aecma-. as dem-od ardor RBSPA, I.eada shalt aaoolfat to Bonowm for the lands in acoasdanae with RHSPA U there b a shortage os Pads held in as defined escrow lender' RI3SPA. Leader shall aotl>p as rogairod by IiPBPA. and Hosrowrsr , shall pay to the aal~at necessary to maloe ap the ahortdge in aocordanoe with RBSPA. bat in nD mom thaw 1Z thly payments. Tt these b a ! of Farads held fa escrow, as det3ned under RF.SPA. Leader notify Bortoa~Er as regtdrod ty RB;~A. sad Hottowar :hill pay to Leade~z the senoras! neoasaty to malaE ap the detldawy in aCOOr+dtprloe with RBSPA, but in no more rian i2 ~~Upon tin li11i of all sums secared by this Saauity Inatrnmeat. Leader shall promptly reload to any Farads hdd by Lender. 4. Leas. Borr+aaror shall pay aA woes, assessments, charges, Sea, sad impositions attributable to Pr+opaty which an attsia priority over fhb Severity Insonameat, }easehotd payafents or ground rents the Property. if any, and Community Association Dues. Pees, and Assesaseats, if any+. Tb the that these items sto Escrow Items, Borrower shall pay them in the matuaer pnovlded is ScctIoa 3. Borrower prompt~- discharge any lkn whkh has prIortty abler fhb Secarity Iastraruat unless Borrower: (a) in wrltiug to the paymEnt o! the obligation secared by the ]lea is a msnner aoo~table to .but oNy ao lowlg as BonowEr b performing sack agrEeaseslt; (b) ooausts the liar in good faith by, detoads agab>st t of the lien ~ k+gal prooeedirlgt which is Leader's opinion operate prevent the enforvemeat ~ the Hen whfle those prooeedi~ngs are paldbsg. brat Daly until such p arc oandudod; or (c) secutea from the holden of the lies an agreesaeat satry to sing the lies to fhb Sorxirity Iostraaaest. It Lett deteemines that any part of the b anbjecx to a lial which can attain priority over fhb Secarity Itatraltaest. Laden map g~ a notice idEatKying the lion. Within is days of tho date oa .tbica that ~tbe is given, Borrower satisig the tiEn or taloE one or more of the acdona set forth above is this 3ECtion 4. - BMroa famfy - fyAwUe ssw/FhdaM also 11lpi~olW Yri1RVMEN'T r~a.t ao~aa not p~rp. a d rs P~p.r) Bti19Y8PG1638 nan~r~ntn tTm•a~ ann ~ T Gt1MBERtANO COI~NTY Inst.iY 200700418 -Page 8 of 19 ..,.. I.oaa No: bender may t rcpordn8:eavjoe m s. PropeYt> > oa the Property ht1 any other haasMa insurance. This irp periods that Leads during the term a Boaowrx subjoct u uar+easonabty. La one-time durde Ba charge for flood a remapph~ss or simi Borrower shall als+ Mana~nt Agar abjaxlon by Boma If Bortovver f Asa at Leads partiwiar type or a noc protax Borroe rlsk, hatrard or llal Borrower adRaowla the Doss of inauratN Section S aba11 ba aunts shaD bear such interest, apo>a All inawanci hander's right to d Lender as mortgty policies sad team receipts of paid pn sot othetwiae t+egt fadude a standard P~ Data 1D: bS6 gaire Borrower to pay none-ti~ae char~c for a real state ta: v~tion and/or d by Leads hi ooanection with this Doan. taeanoe. Borrat~er :bait looep the improveaseats now osiatirtg or hereai9ter erected tad agtiaat loss by ~ >~ included within the term'aacoeaded cat+arage,' sad tdadiss. bat not limited to, earthgeidoat and noodtti Bor which Lender requires ranee scull be maintainod is the amawnts (fisclodio~g dedat~k lerrrat) sad for the regaires. Wb+tt Lender requiros psuaaaat to the praoodlog aoatesca an the Loan. The i>luarnroe terrier pao~vldins the htttataace shalt be chosen by i,eudets rlgbt to diaapprorre Bon~owea': chaioe, tVbich slant not be ea>erdaed kr ,say rogt>ise Borrower to pay, in conneaioa with this Laao, eht-m: (a) a tbvd aoaa detarminatbn, oertitkatbn sent ttad~g aetvicea; or (b) a one daae Ana detmmtsadon sad oe~Datba aervkes sad sabaegaeat each time ~ ocwr which rcaaonabiyr nmight asnect such d~ecmhtation or certi>ksti~. be b Bor the payment of say ibex imposed by the Federal &tserrse~- r in connection with the revlow of soy flood ~ detaminstbn reanltins Bttun as td]s to nudotain say of the ootreraBec described above, Leader may obWn in;ur+taoe is option and Borrower's atpeaaG Lender is nadot no obilption to parchaaa say mount of ooverase. Therefore„ arch coverage sha11 cover I.onde'x. but misfit or might ,er, Borrogre~a equtcy is the Ptoparty, or the oonteata of the Ptopetty, against sir >ility sad might provide greater or lesser oovarage than was ptevbalp h; effect. dgea fiat the oat of the imatanoa covrtage so obtained might ai~atstgr etooeed >a that Borrower oonld have obtained. Aay ttmoaau diadaraed by Leader under this come addttbna! debt of Borrower securod by this Sepaity Intitumeat. These intec+eat at the Note me tram the date of disbutaemerct and shaII be palrsble, with natioe from Lender to Borrower requesting Paymoat s policka repaired by Lender sad renewa>d of and poltales shall be :abject to daapprove such polida~ shall h'tdude s standard mortgage chase, snd :lull rime pee and/br as an additional bas payees Deader shall have the right to hold the cal oerdffata. It Lender rogoires. Borrower shall ptompgy give to Leader all msitans sad r+enawal notices. If Borrower obtains say Boren of imttranoe oovarage, Bred by L.esder, for damage to, ar destrwsion oi; the Property, sndc poiivy shall mortgage dattae and shalt name Letedex sa mortsagee aad~or as as additbaal ions - Shpt. Fatly - Firial~ MaNl~ied~IM IA~e 17MfOfW p~MTM111MENT tROfIN a0ata t/~Ot ' BK197~PG1639 D4I77I7010 19:01:47. PM CUMBERLAND COUNTY (Paps 7 d 1a Pgpw) inst# 200700418 - Pege T of 19 Lean No: ~ Data ID: 686 In the caont floss, BotYOwer aha11 give prompt nonce to the insuraaoe carrkr and header. Loader may mafoe root of toss it not made promptly by Horraaer. Unku Lender sad Borrower otbetwbc agree in wrttir-g, any itMtitra110e proceed:, vPirother or not the underlying iasaraaca was zequirdd by Leader shall be applied to reato:tthoa or repair of the Property. ft the t~eatatlttoa or repair is eoonomicxlly k sad Lesidar's saauity b act laseaod. Doug sncL repair sad ratasattaa period, Lender have the right to hold audt tatunnoe proceeds n~ Lesder bas had as upporluaity to ins such Properly to ensure the work ba: hoes oosnpleted to Leader's , provided that such iMpcehon aha1I be undatskw promptly. Leader may dbbutie prooeods ibr the repairs sad tea tics Ice a singk payment or is a aeries of progtea payments as the work b completed. Unless agroement b made in writtag or Applttxbk Law requires fa~at to be paid oa such faauraaoe Leader shaII not be tegatted to pay BarratPer say intacost or earniaya ast each proceoda. Fens for biic adiusaas, or other third pathos, repined by Bonvaror shall not be paid out of the inatuaaoa sad :hall be the sok obliptloa of Borrottrx. Tf the rd~totadon or repair b sot ecoaomigdiy k or Leader's seoscity would be lesaoaed, tha taaataace proceeds shall be applied to tlm s secured by this Secnrlty 7nstrameat, whether or not rhea doe, with rho eaaeaa, h any, paid to Sash tastaaaoe grooeeda sbaiJ be applied in the order provided for in Saxion Z. Tf BotYOwet a the Property, Lender may » negotisu and softie say available insatsaoe claim and rrlated tteta. tf Bottovwer does sot roaptiad wlthia 30 days to s notice ~ Leader that the insaraace has oTifered to settle a claim, then Lender may ne:godtlte sad sortie the tdtdm. The 30-day Period will wheat the notice b 6i~ In ether event, or it Leaden acgatra the Properly andor Saxton 22 r otharwbe, Horrvvlwr hereby assigns to header (s) Borrower's tights to an}r inaunxe proceeds as amount not to eaooeed the amoaats nnpsid under rho Noce or ibis Security raatrumettt, and (b any other of sorrawer's rights (ot)ter than tin right to say t+edltad of nnearaed premiums paid by ) wader all itwaraaoe poBda covertag the Property, insokr as such rizhta errs applicable t4 wverae of rho Property. Lender malt use the iasuraatie proceeds ether to repair OT reatOTe the Pro of to pay amounts unpaid finder the Note or thb $OWitty ln:anmeat, whethar or not rhea duo 6. Borr~otPer shall oocapy establish, and use the Property as Borrower's prtttdpal reaideace within 60 the Property as Bon Leader otherwise >1 esteauating draimai IiENNBXt.VANiA ya attar tha esacuttoa of fhb Secarity Lsstraaaeat and shad omttlane to aoarpy Pot's princ3pr11 resideaoa for at kart one year alter the date of oaatpsnyr, unless sea in writing, which con:eat shW not be uar+arusomably withheld, or utdesa usrs eodst which arc beyond Bon~ovPm's control. • ~e Famy - F~Ne WWFradsta lsro Wata'dlat MM7AIAIENT Feels suss 7/ot ~. a o/ 1s Parr) 8Kf97~PG16~0 n41~7/70~0 1 rm •a9 Pfui ~ CUMBER4AN0 COUNTY inet# 200700415 -Page 8 of 19 Losn No: Data ID: b86 7. Prvnr-s destroy, damage c Property. Whethe in oMer to pr~ewea It is determined pi shaII promptly rel or condemnattoa Borrower stall bt prncecQs for sorb payment or in a candcmnadon prc of Borrowx's obll Leader or it rcasoaable cxnse, give Bortovwez nol tsasc. 8. Boerewa prooass, Bort+ovtner lntawiedgo or Don Lender (~ Riled ~ reprawgtiora ha Property a Borro 9. Praextia If (a} Borrower iiw (b) them is a ~ rlgbts under this or forfeitsre, for i eaiarrc hrws or reJ for whatever is r+et this Secotity Instn and/or repairing tt socstr+od by a lbn (c) P~8 reasons Saatrlty rnattama indndea, but is nc up doom and wind conditions, acrd ba Lender dos not 1 Leader incata no Dry Mahrf~arrtwoa aa-d Prowetlou of qre Pevletl~ I~eWatafi. Bormvter shall nAt impatr the Property, slbw the Pmpaty to dataioate ar commit waste on the or sat Borrower b teaidiag is the Property, Borrower :htd! maiataht the Propeny the Property from detarioratiag oz dec~iag is vadae doe to its oaadidon. Unless ff1#ant to 30Cti0a S that repair or restolatbn b sot OOt7nOmiglly 6dtsibb, BOrr~ower dr rho Property if daaraged to avoid fnrthar ~ete~otatjon or datwga Ii h>saraace moooeds arc paid in oannetxion vt+Ith damage to, or the takhrg oi: the Property, respondble for repaidn~ or restoring the Property only it Lentdar Lab tnieaaod torpoaes. Lender may disbatae prooaed: for the relpadta sad restoration b s sitgb aerlts of prograa paymeab m the work h complied, If the imnranoo ar Dods arc ~t snlficieat to repair or raters the Property, Bormaror ~ not ce>iev~ed tttioa i'ar the oomplaBOn of ttacdr nepait or tiestot~on. agent ratty males reaaomtbb entries ttpoa sad of rho Property. If it has Bader may inspect t1,e interior ~ tLe impra~roareats on the Property. Lender shall x u the thac of or prior to sadr an interior inspection spet~ging sorb restvonablc 's Lon Apgifartlon. Botz+ower shall be in detisnit ii: riming the Lora ttppHcattion of snit pecans o: entItia sctfng at the dl3+ocdoa of Honower or whL Borrower's scat gave materially fdse, misleading, or fnaocarate intbrmatloa or statemptts to ~ pravida Lander with material hrformatloa) ht oonaetxlon with the Long. M:tmisl lurk, bat are not limited to, repraeatstlott: coaroaraing Borrower's ootarpanc~r of tLa ref's priadpttl reaidenoe. t of Ltadar~s Iatiereat In fire Pt+agerty rred Sim IIatdee tins 8aearily Lsfsmracat. la to perbrm the coveawtti and agnaemeabr ooataiaed in tLb Security Tttstrant, prooeedirtg that might sig~watii- tttJecx Leader's intes~est in the Property andMr xarrity Taatiromotrt (tract as a pt+ooeedlaa ht ttanlcraptoy, probate, for oondeann~ation oforraareat of a lies which may attain prbrity t>v~ tLis Secsrity Iastzumeat or w ttladons), or (c) Horrowar taut abandoned the Property. then Loader may do and pay tonabla or ap~oprlate to protec;c Larder': intgat in tLe Property and rlgim antler moat, indudh>a protecting agdl~oor asestiag the valae oI the Property. fwd secnring e Property. Leadtrs artless stn iadude, but era not limited to: (a) P~8 ~' s~ wbkh has priority over this. Secaatity. In;tramant; (b) appearing ig o~ sad ble attorneys' feed to protect its iatet+ett in the Pralterty aadlbr rights ender this t, iaciadins its secured pctdtiaa in a danipntptcy pt+oceedia~ Secariatg the Pt+opeaty ~ liadted to, eateriag tLe Property to make repaint, cJraaga locks, repLoe or board ~ws, drain water from pips, eliminate bud>dbg or other code vlolatioas or dtu~atoas ~a utilities tarred on or ofL Although Lender may take action under thin SarZioa 9, eve to do so and to not adder say dory or obligation to do so. It is ttgread tlwt Eabitity for not tatbgg any or all acrjana aathorhrod Hadar this Sorties 9. - >i1npM Fanifly - FrnN IIaNFnddb Mao INNfa1M NISI'RrMlNT !'Oral ttaaa ilbt (P~pe a oI 1s P~pee) BK 19 7 ~~ PG ~ 6 4 I -r-----~ Q4/22/2010 12:01:42 PM CUMBERLAND COUNTY 1nst.# 200700418 -Page 9 of 19 Loan No: Ibtttt ID: 686 Any an>oaata butsed by Leader undo thin Secdoa 4 shall beootne additbnai debt of Bottower secnt+ed by thin I>oah'umoat. These amo>rats Shari boar inta+eat at the Nota rate firom the date of disboraamau shall be payable, with oath interest, ~ notice Lnom Leader to Hortaaror J~mua~t is oa s taa~ebflld, Boirowo7r sbafl comply with ali tha provtaiona of the lease. If Borrtnv~ aoquicea fee title to the Propetty~ tha leasehold and the Poo titb shall not name unkaa Landes a to the m~ in ~& id. Lsaatsa~oe. If I.eatdex rogdred MortSsge Iasuraaa as a condition of coai3aE the ~• Borrower pal the l~ mR~ to maiataia the Mortgage Insturanoe in et6ect. If; for say tasson, the Imorance covrxaSa required by Landes ceases m be available Pros the mortpRe iasvter t praviQOS~- provided such hl~attrsece and Borro~aes was regairad to mate sopararaly 1 togrard fire premiama l~nr Martpde Iasoraaoe„ Boaroaa shall pay the premiona required to obiai+r sobstantlaily egdwlent to fire Mortgagt Iasaranoe, pravbtrsly is eiyeq, u a oast ogntvala4t to the coat w Hosmwet ~ the Mortpge Iasuranoe pnavloualy is etioct, from an alternate hlsaum selected by Learda: It subsuatla>ty agoivaleat Mostpge rnsatancx coverage is sat le. Hosrower aliall cat~ae m pay to Leader the amount of the aepfurately desiamttad drat wore doe when the imnaanoe caaetate oeoed to be in e+>fect. Leader vvSl aooept, use and those paymasua m a no4r-r~ablo loan nsetv~e in lteu of Mort~e Ia+ruraa~oe. Such bsa reserve be aaa-reilsndabte~ notwittistandia~ the bct that the Loan is attlmatallr paid in ~ fuu, sad Leader not be ~4~ to pay Borro+aer any interest ar arainp on sodr bas reserve. Lender can no require bas reaerv+e payment: if Moartga'e Iasnraace co~retage (in the amooat sad rar tha period that I.endet regniros) provided by an i selected by Landes agsist beoomos available, is obphmed. and rogairat separauly desigaatod payments toward fire pnarsirmmc itir Mostp~e lrnuranc;e. if regnbrod Mortga,e- Iaaotaaoe as a oandidaa of maths the Loan and Harrower was r+equirod to separatels- ddrigaated payraeurta tovratd the premadoass for Mottgase Insnraaco, Borrower shaII the premiDms required to maintain Mortgtgo Immranoe is erect, or w provide a rmn-raibndabla reaervQ oath LAndm'a regtriremeat ~r Moit~e hrtrtaaoe osK1a in aooozdtmoe wdth a~ wTittmt t between Harrower and Landes providiaa Lor such taewdaatbn or mall tamiaation is by Applkabb Law: Notldas is th4 3eaion 10 afibcts Borrow~er'a obligatbn - to pay iateareat at rats provided in tiro Kota Mort prance reimbotaag Leader (or say entity that puschssea the Note} Lor corrals beats it may iacor it Bo does sot repay tiro Loan as a~+eed. i;orrnwrx is not : party to the Mortpge lnsutaacc. Marriage n~ers evaluate their total rick on aS such insursace is taros iroa- time to thee, and may Dater into with other parries that share or tnodtl~r thetr rlsly or reduce lassos. These ageealanta am tetma sad o~nditiaaa that are :story Da the atortgsg~e insarer and the other party (ar partia) t o thane sgcoaneata. These ag~reemants may rogaire the mortpge insurer tv mate payments utiag aootce of Panda that the aaortgagc hntarar may have svaiiable (which may include foods obtained Mortgage Iaatrnace preanituas). - sh+pl. F.mur - Pvntw Ma.Ifne~. aMo UN~Ot1Y MA7fNllalNl' rer.~ sass r~ (A.y. io of ss Pa~posy 81i t 97I8PG 1642 nar»mm~ »•ni•a~ PM f:11MRFRi AND CAtJNTY Inst.B 200700418 -Page to of 18 .. ~~ Loan No: ~ Diu ID: 686 Aa s' result teiaaarer, any nth amoants flat deril lllti[iDOe, is eta i~eentQIIt provide of the premtwas ~ (i) ~4 soc Bassist wIB owe (b} Any sa+d istliade tin ~' Lnsenemoe, b ire iL Aselgust assigned to ind :b u the 1?r+apes of the Proparty, i letsenod. DutiaB Mitoelltueeaua Pro work has bees orn promptly. I,eMet p is I.~Iwn r~eq~ m eoonomiatly~ feast apgtied to the sun i~-,_patd to Barn f tbrese agreomenU, Lander, any purchaser of the Noce, mother tntsarer, say entity, or airy t~iiate at my of the ivre~oiag, ~9 reraive ~!' ~ tram (or might be skied as} i pottbs of Borraaa': paymests for Mortgate fns 3htriII= Or the ]OO[t~e imtszar'a rist, Ot redudIIt losses. 1f alidl Chit in mite Of Lander takoea i shire Olibe insat+arlt rfalc lea ®ohROge fns i share to the iasorer, the atraggemoat is ones tetmod 'eaptiNe reinsaraoca" Father: iprea~esM w!M nut atkiet llte i>,wltota lief Boe:+iwa~ Ws a~eei b pq for ar a>tq Diet tslrses ei ie Iaan. Sa+ei t~~eelssNs wrlO sot tace+eass tie it^sarxt Mortp~e Inasaeattea, asd lisp wlit snt euWle laY~oa+sr b aq rMsald. s~neatatss wtB not suet tie ~ >lees~ower has - ~ a4 - wMi trtapect to the e >faniec tie 1fi~osaeil!sera !'ntertiaa A+et a[ 1!!i afr !a4 eliatr law. TiMe rtfir atq s :+seeNe cecals aee~ieaa~es, to rMlrese asst eMafn easoelatYs e[ tit tlleri/rde fie Msrl~a~e Isenrasoe tsralisMsi nioaagea>~, aMRor b treeeNe s r+eessi e[ sq n peas tkitat wars sseaesed at ~ hale a[ atadt aiwa>laflos ar /es~atMloN. sot d ~ Proe>eeia; Faiilare. All I~&oeitiaeoos Proceats am tteteby dl be paid to L.eadet: ~- is damsged, such Misoellaaooni Proooeds ahatl be sppllod to reswrition or repair ' the cestoritioa or relpedr is eamomicilb feasible slrtd bender's sex:irity is not such respiir sued ratorition period, L.asder s4su hags the rlgltt to bold such beds until Lsltde~ has bad sn opportunity to inspect each Pn~pexty to easnre the spteted to Lender's sitttiuxion, ptovtded that sock inspection shall bo undextsten may pip for tha rspsirs ind restonltian in i aisgie d3sbursenteat or b a serks of as the Work >s oompletod. Usltsst as ageeateot h made in Writing or Applicable st to be paid on sncb Misoe>bneaus Praoeeds, L~eodesr shill not be regoh+ed to piy est or earnin~l on such Mi:oetLtnoons Pmoeeds. ii the rescoratlos or repiit is not ~ or Lesadet"s seauity would be' lestenad, the I~iroellemoois Proceeds shall. be t socirod by this Secaudty Iltstrttmee; whesther or not rhea due, wlth the it wet. Sw;h lttiscxllaneous Pt+ooeeda sha11 be ippibd b the order provided for itt ~~ In tl-e event of a torsi sling, dexaaaton, or lots to vahies of the Property, the 14tisoel4noons Ptooeeda shall be liod to the soma tecuted by this 5eauity Imu»noeu; whether or not thes- dine, With the emoeta, if sap, paid oo Borrower. Ia the of i partial taking, destrucgtan, of toss is vakoe of the Property in which the isir mirltet value of Prlopariy imaoedisteiy before the ptntiat talday destruction, or lost is vatne is elgaat to or gteiter thin the amount of the sass aecored by thbt 8eoarity inmitmau fatasediately before the pactLd taking, or ton in value, osier Borrower sad Lmtdelr otbetwioa ap+oe iln wrttkslg; the swml seosn+ed by SecurIry Instrument shift be rediced by the amtamnt of the l+dltoeflanoois Proaxds muitipliod by the !ltaedion: ta) the foal amasat of the :emos seeci:ed iramedtately before the putial takdng, trwxlam, or loss in value divided b'y (b} the tttr mirtut value of the Property Borr~ bob the partlai tslciaE, desttucxion, or loo to valve. Airy baLtme sha11 be pub to • &nph Fimty - fierYa t8a8lf<gd~r 8tas NeHPOieat NMTtilM/EN'r 1r011i sons 1ro7 BK t 97~PG 1643 (i4pa 11 of 18 Pipa1 04/22/2010 12:01:42 PM CUMBERLAND COUNTY Inat.# 200700418 -Pager 41 of 19 Lean No: Dana ID: 686 In the event a partial takhl;8, destraction, or lose in valao of the Property fa wh~4 the lfafr market vahro of rice fmmediateiy he~rie the partial ~. desk or lag in value ~ teen than the aatouat the cams setaaed imroiedLtely betb~b the partial WdaB, dearurxloa. or kxa is vslue, ankaa and Leader otherwiao nice ip uniting, the Misos>taneoas PrOOCeda shall be app~tlod to the Lama secured by this Security IastrsIDeut whether ~ not fire cams sue rhea due. If the is abaad~ed b9 Bouower, or ii; site aotloe h9 Lesfda to Harrower that the Oppods,8 Putt' (as is the riser sent~oe) oil3as to mtloe an awud to scale a cLim >~ dsamrSea, Borrower tYils to to Ltrodor within ~30 dada after the date the trotice is ~ivea, Fender is aathOCl~Od tO and apply the l~lOelbfODi{f Proceeds ' to tratiosattaa of ~ of th>, Property OT tD the aerated by thin Soarliy Initrameat, whethoL Or not rhea daa 'Oppofiing Patty" miplnf the ~~Y that owes BOI7o1Pbr ~ Pr~OO00da Or the party igainat Whom Bortt)wer has a OI action in regstd to MisoeltaneOUa Pioceeda. BOrr+dlNer i be hr debuit if nay actict4 or pIO000diag, whether ClVil or tartmiaal, is begpn that, in Letuter'a t, oonld rarnlt in Foarteipu+a of the Property or othmr material iapahrarent of Leads': interest is the Property oc righa uada Chia Sewldly lnatruoart Bur:over osa wne loch a deivlatt and, if true has oocarrocl, refnwlte ~ provided in Section 19, by cam tiro anion or prooeediug to be with a ralinE that, is I.omder's }ttd~spent, peedades lor~+tore of the or other material of I.eada's huorest in tbo Prapetty or riprts rlndez thLt S IaslrumonL 'Iho of any award or ddm for dsmapes that are attrlhotabta to the impairment of Leader's iateQes is the Proporq- aro hereby salga~ed sad shall bo paid to Lender. All Pmaada that are not spplied to c~ectoratioa or repair of the Property ahail bo applied is the o provided for in Segba 2. i2. Nat Ralarreil Fmis~sree By Easier Nat a wN,wr. 1$teaslon of the lima for payment os of stnoadsatioa of rho soma aaarred by this Saa~tity Instr~ent graz+tod by Leader to or airy Sucoosaor ht Interest of Borrower :hall aoi opetua to reiotao the iisMllty of Borrower or Sticoeason in Iatefroat of Bottovlbr. Lender shall not be required to commence proceedings nay 3uaoeasot in Interest of Born>~ of to redgo to eaot~d time ~ payment or otherwise rlsodi4 M the antes seared try this Security Tnsttameat b9 censer of say demand made by the Borrower or any Saooasors is faterat of Baaxaaer. Any >iotbeansaoe by Lenrder fa eo>~Sg nay or moody iadudiag, without lisritatiomi, Loader's aooeptaaoe of payments from third petsosa, sir or Suooessora in Iaserat of Horxawor or is lea than the amarmt rhea due, shall not be a waiver ~ or precinde ire alaerdse of nay right err tenrody. 13. Jeiat Sehasll 3 Qo•stg^sssl 8eoosaoea aoi Aaslpa lloarri. Bostowrrt oo~fnensmts and agroas flat obl~gstloas sod WtbiHty ahaII be joint and several. Hogvover, anq Barrogver who eo-ai,~na this ty TAauameat bnt does not eaoecata the Neu (a 'oo-ate'): (s) is oo.siaaina this Secsrity Imp t only to amortgage, grunt and oonvay the oo~siprer's iatee+est is the Property under the terms o thin severity Inattumant; N) ~ nee o~W ~ m Ph- rho sums aecwred by this serenity t; sad (c) agroea that Leader sad any other Ciln agrx w e:tead, modify, rorltcat or airy accamnrodadoa: with regard w rho tams of this saasmq Inatrammtt or the Noza without «a eosaleat. - tom. a:.>.~ - mat. ss.~vti.sal. sue utt tsstrnrussstsr Porar, assn tpt (P.D. t>: or to Awry ~K ! 97~PG 1644 04/22/2010 12:Of:42 PM CUMBERLAND COUNTY InsL#200700418 -Page 12 of 18 Loan No: Boom ~et~`: oWip~ obtain all of Bolt to tocb reieaie is t as pravtded in Sec 14. I.oaa A BorraweCs debate bs;trantaei to c pea to Hoz N tha ~~ so tba~ the e~ocaed t1 neoasssry- to redo BOfiO'llCr which q fhb m[uud by rad>o if a raoraad redTto MHo 2:1. Notlaea. mast be ip wrffity deemed to hsre~e be m aD Banowets o Aorio+rer shall for r thrau that a Latromeat at say litat edam nisi! to to Hoso~l~ar. ~a w Landm ~t a1ao, regairod m4 ~ ~~~as of Appiigbte or it s~-t bo owttract. 1a the wlth Applicabb Note ~wvdbii~d- cm Data ID: 686 provlaions of Secxion 18, any 3aooessor ffi Intaraat of Bottvwer wlw aadlcr this ~a~Iaatrament b wdtin~, sad is appro~v~ed by I.eadar, share s asd aader~ rids Saautty•l~ant. Botra~ aitdl not be ~ ~ asd ltsbitity under t]Js 8aosrity blatr~tsaat itnkss Lesdar aproes The oaansanu asd a~aamoa~ od'thit Sec~rtty 1ant shalt bind (eaooopt sod beaeiit the awoatots sad of Leader Leddea msy charge Bosraner fees for servioew la oo>osegioa with for tba~p~r~ of Le^det's fntereatrlpapth~oy sad ri~a Mnda t'bis iba, "~bib~enoa~ ~ , ~ ~tgfa - Y to peas. ss~alt sot be aa~traed as a oa she a~ a~ fee. Loader a tUst sra a~ptesaly prohifrtted by thk Sa:arity imtruorastt or by Appliad~lo Lsw. is sabjea to a law whidi aau stdmanm toga d~~ that law is the ffitatast or Debar bas c]tauay~a oa8octed or to ba h ooasecdot~ w[th Iso thacbar=atbap~ aaadt~ted t~Oit;~rod ~a ~sat~ at ~ ~aeded parmined timifa wm be retasded m Hontlwet Lesser may cbaaae to mate dsj tha ~ owed Hader tha None arty statdoa a ditoct payment in gortarar. s~ p rcdac~on Rlil be tt~eated m a most say v7 or not a pmpgmast cbar=e it pe+avldad oadec~~j. Horro+a~ nch teibsd made b9 8inec paym~t to Boua~ wilt eonstiwte a wasver of anj- right miiht bav~a arlsh~ oat of t~dt ev~a~stge. AU nothxs gi~nea by Borto~rer or I~ea~ler is conna~tos with tins Secauity tustttun~cat ~ ~ to Barta+her whes malted cdlns ssdl or~h n a~ deflver+ed to Iddreas B cant bl- sibs mesas. Nottoe to say osa Borrowac shaD ~oosrtisate notice lion Lear espt~jr t+egaisles otbenvLe. Tha swtioe addr~en s>adi ba the mks bas deddsaped s sa~bsdtnta napica a+Odraa b`9 notba m Lender. ~y ~y Lander of Borrower's of address. Tt Deader a prooedocae owar'a cbsae of addt~ais, then Borrower attaII ~ report a of address ed pmaodsm. Them may be oatq ose dadgaatad notice addraa nsdat this Seeurtty ma thine. My sotica to Leader abs8 be ~ by detirraor~ rt or by smiting it by roller's address stated herds aakae Loader has dosffiosfad another addt>esa by sails totiea itt ooaaeaia~a with ibis 9acutlq lastrsmaat nut be deeauod to bass beau tit actualljr ruodved Lmider. if say sutka regolral tbi; Seonrtty Insttatoeat ~~b~Appiiwblc Law tegaitemeat witi satist~' tbo aortssPondia8 ~ ~f ~~fi >~iat d I7amtradioa. This Security ~tntesaat shall be I law asd the laiv oy ~a f arhdicdcn is wlbah the Proparq is tocsted. At! rr~i~hto ached ffi tb6t Seattity lastsaameat am a W say ~ and limitrtdaas Appliabla Ltrw aod~ eocpitdtllr or itypl~y allay the to rlSroa by ooattact ~t~tibtt aocb alleaoe at-all z~~ MoD ~ d1t s~~~st a~iremxen w, each au~sot affect other bin of this secortry Imtrumant or tho gioan e» ~vtt6oat the coni~ag P~~ Sinpti FenYiy - t~~~M MMAYtdYN CUs It#NFOMM~ Iti7AUMa1' Een~o aoss t1~ot fPaw ra of is F.u..l BK 19 8PG1645 04/22/2010 12:01:42 PM CUMBERLAND COUNTY Inet.# 200y00418 -Pape 13 of 19 Loan No: ~' Data ID: ti86 Aa tamed in Sowrity lasmsasent: (a) words of the masculine ®ender shall mean and indade oorrexpondits~ words or wvsds of the ~eaaer; (b) wards in the aio,~nlar dries mesa sM insdade flu plural vkx 1~8; and (c) the word 'imaq" > aoic withol><t nay obligatias to Labe nay actloa. 17. >, Ccpy. Bomawer shall be gfvea one Dopy ar trio Note and al this so~ity rsstrameat. la a[ the or a BareOe~.l I.a~r.st to ibatsu~er. As used m tn~ sesxioa 18, •lata+at in tine mean: any le~a- or be~rmaal intes+est is the Property, tndaain~, bat avt limited to, triode eta m a boss ~ aeled, oonttaa lbr seen, isstathnent:ales oanuact ar aicinw agreement, the intent of whkh is the transfer of title by Bocrowex at a fatw+e data to a ~ ~ of the Propest'ty or arty latex+est in the Property is sold or tratisi~red (or if Borsawer fa aat a twat pwaon and a bena6rLl iat~+at is Bott+ower is sold or traasfgbred) wlthoat Lesrde~s prior ooa:east, I,esdcr may regnhe imswdiato payment in faII of slt sums selcot+ed by this Sasarrity However, this option thaII not be emersafsed by i it arch eusorcise is prohibited by Law If Lender this option, Lender shall ~ Borrowex notico of aooeleration. 'E'rie notice :hall pro~vkle a of rat lea than 3d days from the date tiro nadoe is fa aoootdanoe with Section 15 within Bors+oa~er ntnst pay all same :ocured try Ibis Sescanlq~t. Tt Bonawsx ails w these auras prior to the eorphnion of this poriad, Lessdesr may htvobe any resaedien g by tlds Tnstrnmeat without iwthar stiotiao or deasathd on Borroweer. i9. s Rt~rt to 1isLsaeade Mbar AQOeisesrtlosl. It earrawesr meets certain ooadhions, Borrower stall the rJaht to have aniioroeaae~ut of this se«rrity Ittstrnaretrt disoosthmed at aqy trine prior to the ah (a) flue drys before sale of the Property pennant m aqy power of sale contained is this ant; (b) such otheu period as 1-gpliarble Law night spess~ ibr the tasmh~adon of riZht to reiastat~ or (c) entry of a jadgmast ea6ots~ng this Seauity Insttrmsent. conditions are that Borrower. (a) pays Deader aD sntas which they would be doe under this Sewn Iastramseat and the Notes ss if so aooe(esatbn had vaaured; (b) cure nay default of a~ othesr or agroeas~enta; (c) pays all egcpeadess incurrod in eo6ordm~ this Severity lastrumeat, but not limited t0. reasonable atwraays' ifeos, property inapealon atb valuation foes, and othw fasalrred fur the putpasa of protoaing Lender's intexeat in the Fraperty and rlSha undesr th4 Sesmti Instrasnant; and {d) tabes snch ssxloa as Lender may nalsosably raquira to aam~e trio Leodat's is tries Ptapexty and risbts under thin Saauity Iadtcumont, and Borrowolr's obligation to pay sums sescut+ed by this Secadty Ismnmaeat, shall aostlnne utrchaaaed. Lesnd~or may that such reinstatesaant same and ~ y a ~ ~ as aeloctea by . (a j sash: (b) mo®ey aides; (c) ear bo d,eclr t s , treslsuradred ceuthielc's dseclc, nay aucis matt is drawn upaa an indtttsdion whose aespodita are ilsslstbd by a fbdeuai aSeacy, tromentaiity or entity; or (d) Blec~lic Plsndd T~as~ Upon rednaateaamrt by Borrawcr, this ty lnstrumeart and obl~ptions sescsrred hesreby shall resmaia folly esitectivla as it na aatbn had However, this rl~ht to resiastate shall not apply in the cane of aoceakaation under Sescaiuon 18. - BkIpM F+mNY - F~ne1M WMi~~drb Wo UNtROt111 NiTINHii9~Ir Roe1a aa7a tl~Ot (~ 14 0/ td App) 6K19~'8PGf646 04/22/2010 12:01:42 PM ~ +`-CUMBERLAND COUNTY •_ I~I.d 200700418 - Pam gem i~p(1g Loan Na ?.9. Sais at Z in the Note (tosatZ w Barap~ A aa< Periodic payaseats s~etv~idngero~ the Loan Servker, address o! the aaa ht~utmatioa RESP, aced theY+esthe.r the mortpsse bas sea to a snooessor Loan the Note Data lD: b86 tte3 ~ o[ Loan Sa vicelrf Naha a[ tkie~r~urce. Tl~a Noce or a ptrt4~ iatac+est r pith this Secaafty Iaprotpeut) aqd be tdd one ~ more times without notice tuadar the Notes ~ tids Setsarfty~ sad ~~ ~ mort~e lace trader the Nou, this Secrmrity Iosttaasean, and ~~Lw. Tiet~eet silo mkt ~ of the Lflan 9avloet tmrodted m a sab c[ Note. It thefts ~ a dtas~e ad iorraarer pill be riven wrlttea notice of the duaSe phich wilt slam the name and Loan Setvioer, ghee address to should be asade sad say other regoiras iu comaaaiotr with a notix o~ uxas~at of Ii ffia Note is sold roan is aea<rioed by a Loan Setvioer other than the pott~asar o~ the Note, the dub oblidadoma to Boirn~ pill reatala pith tha Loaa Sesvioer os be tta>s~rrod Setvker aced are not'assutged by the Note purc~sar aaless otheawise P by nor Lander may oommetroe, join, or be joined to say jodidal actba (s: either as iudivldutll or the member of a dam) tht arltea ~t+om tiro other party's aafo~m pmsoant to this $aarrigr or that ~ that toe other has bt+eac~red a~gy pta~ioa of; ar arq- da4f- owod by reasoar ~, 8ecauity 1a aadl snch~ or Lwdor has aodOad the other {pith wch nodoe in ooamgstisnoe with t>,e roquhroatat: of Secaioa 15j a[ eadt allodod bxmch at~orded tho other hereb a reasonaiis atbmr the l~ of sasdt aodce to tabs oos~nectiMe aaioa. If Lap provides a time which must el~pse bdon aergin action as be tsbea, that time perbd be deemed to be reasonsbb for purposes of this 1~re arodoe of acoeleratioa sad W core giNeu to Botmper pu~oaat tD Sectioap~snd the nodoe of aooderadoa gis"oa to Bot'm~l-er potsuant to SecdOa 18 shall be Qeemed to sathd~- the soda sad opportuni to oorraaiv~e action provhioes of this Socdoa 20. S~abstsnas, Ac fated ht tut Section 21: (s) '~Laatdous Substances' sra those sabstaalcea deilaed as tasdc or haratdoos sobstatroos, politttaats, of wastes by Bav1>raolotteatsl Law sad the totloatn` lances: ,asoliae, beroseae, other >hmmable or taadc petroleoas ps+oducta, folic parricides sad volatib sotaeats, muetials coata~sisld asbestos or foorataldehy~de, sad csdioactiva {b) 93m1 Lai" ameaas tiedatal laps sad Lwa of the )vtisdictbn where the Pto~erty is fed slut relate to health, safety err oavitoomental protecdon, c)) ~vental Cdeaaap indodes t+ospoame action. t+esiedlal actloa, or t+etaovai attioan, as deih>~ hn Banrh+~mesrhl ( ~Ooadidon• ttreatrs a fiat can carnsa, oouttlbate to, or Bort+rnror not cause or permit the pmseaoe, ttse, ppoasa~1,, storage, or release Ot any l•Lsardoua or threaten to teleasc any Haxatdons 9~btpmoes, on or in the ol~aaq- ~~ ~ ~, ) w~ ~t~es as ~~ (ca))) to tho presealrae, or t~eletlae of a F~ 3nbsts~lce, creates a aoad#doa flat ad~seiy affects the vttitco of the . 'i7re ptecedins twv ~seamaoea shall sot apply m the pt+eseaoe, tries, ~~stasde ~ the qq~uaawito of Haattdotsc s»bataaoes tbit ue i+eoo appoi~~to res7dendal arcs and to ~ of the Property (uh~ but sot litaited to, halairdons in ooasmner pr+oducts). BhWM F~mlly - F~naio Moo/Fi~dio 8MC !7M!'OIIM W~t1N~.t' !T Form ioaa 11x1 BKt97~8PG~b~7 04/22!2010 12:01:42 PM CUlNBERLAND COUNTY (Paps 15 o11t Aapot) Inst.#200700418 -Pape 15 of 18 Loan No: Dsti ID: ba36 Borrower promptly giac Ltndet wdttea aotiee of (a) aartiy b~ daim , dgnaHd. lawsuit or other by nay ~averaimeanl or r~~ Lw~r r ~y ~ S F ~ b h ~ryY~ ~ P( l B nand any ~ ataape or orrpTms >t .av actoal 1 ~ r>nmea4 """",' P.aviroameatal tt66 incladiag bat not limited to, kMtlob , tlebasa oar of relaae of ar-y of s Haaa ydoas Sabatasaoe, nerd (c) try caaied by tUc p~ae~e, nee or r~deaee which adverael r affects the vahk ~ the Pro ert Tt H :ro e 1a i l i p y. a o r um, or s nsrtlBed by say r+emedittioanof or reaalatozyaathorily~ orp~~~lv~e party~,y. ~ arm Ha>eudounc na aooordsaoe wltlttheE~rot Noq i~ tl e~at i ~ a gi e oa ~ far era. t p. ~ ~ N- t~OYBNANTS. Borronaar I,eadCr Initi-er oo+:enant and spree ss foDoovs: ZZ. Bsrsiiea. LsMsr siMN ohs aslioe M SueYOSwe' prlost b aeodsaaaNioa istYoaia~ $~rOwla~a aa+sisseatfioa aadasr ~ aasp ctinaarst w' ap'se~eatt {a FYI Luafeasarsat not parlor Ip lti tatlaai A hraiie Lw aeNr+r albe e L wi ie q~ g i~ of, sassuooS o11~er pp pe i ). a an r ns aar b (a) tic ddwlk (b) Ile aegoa al+sgaie~si to colts tiffs ieiaill (e) wMla tlis aeiwit ~ i c ~ •~s eieaiY !a aeedecauol. t~ ~ ~ ~ ~ ar y L i i H ~e t~ rtel aMi sole ~ the b 1 ~ a ae s ri b 116 l Y M em d tM alialst b t siastNs slier aoesisrafioa eras tits M asreit tt + 16 d l d lY i l ~ osne oaaes e aoosMnlioso anal ' pe seao ~ a •oa~~es aaes t s a aa t oar ollasr abase o[ Io H ebs iellrak M not eaawl err sMsasMai, sat Ma ePtlen m4 ~ ~nasilale {a llaH at at sasars aeeani tldal iiteaallb balesrwat wifiaat lYefbssr ds~aaa as .q Ibs+aeia.e Ia~taslanat >rj,~dai Lanier sslW M.aWW to eoiMCt S all espanres t sNS.e ' Yv m ifas :wlasiNa pea~MN it t~lb Bselfow 2?, bat not li~s~iled co n t ~li lp~ s aY o wsgra es ~ o a sa s ewee a as.taostc b A!!• ~~ PaY~t of all ~ :ecaned ~sacsarlty ia:tnanoeat, this 3ocadty lnawm cat nerd smalbyed :ban tbtmiasta and bemmc void. Alta a~ oopareaQOO, Leerier shall ma ~ sandy thb Secati tastcataoat. Baaiowet a1ya1[ pay nay s~eoa~{oa Dart, header a ~aa ~ this 9 lt b h i t if ffi t Y M y patty far se:vicea ecmr p a:trameml t ~d to a , at Do ee y e iN and tha dtsrda ~ thin Yee {a mitted d A bk te 3i g ppt aa pp sat a a. 24. Borto~w~er, m tba easteat permitted by AppHtaWe Law, wairot nand t+eleaRec aspy error ar defxu proceedlap to eeebraa this Seawrity last»meat, and hereby wataea the beaotit of ~~~t~ 1 ~ YoresoewtiRm, ea~ion of times ~nptIon from y si 0. a ZS. o h b Parloi. Bos=tlwct"a bane to rdastate pp:molded in Season 19 shall eotteaW m i W f ' aio our pr r t ne oammea~omneat o b diag at s sbeurii t axle or other Sala pnnuant to shier Setauity 2f. Maaay Mort. N any of tb~e debt setasa+ed by this Socaarity Iaatram~ant is lent m Borrower to title to the Propatty, this Sesaatity Inattament shall be a parchate mloaey mort~ge. o ~ ~ ~ ~ ~ ~ jndg~sneat is en on the Note r as action oft to os s haII be ~ rau pays bla thne to time tha Note. ~YLYAN - Blnple F~-Y - ~~ tMN-1+9d~ Mro tNINROIaa MM711YMENT ttos~ coals a/oa (a°.a. Yew 7a wo..1 8K 19 8P~ 1648 04!22/2010 12:01:42 PM CUMBERLAND COUNTY Inst.A~ 200700418 -Page 1B Ot 19 Loan No: >~ B Dau ID: 686 saww, Borro~wrrr aooapts and ' to ~~ .vtc~a~~ is oonatsined is peat and in aay Ridu poeatod by 1Bortoarer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (s e ~ Ds - 8in9N FaplNy - Fpmlp MM/FeNiM M#o UlgF'QIIM Mip'fIMIMCNT tarp a0~ 11~0f (Paps T7 of JA Papas} BKt9~8PG1649 04/222010 12:01:42 PM CUMBERLAND COUNTY Inst.# 200700418 -Page 17 of 19 k My comminian I.oaa No: Ikta ID: 686 [spew filow This t>M F« Ada,owNaOmnp C01~9viONWPAL of PBNNSYLVAlVIA ~ COUNTY of ~ botore fhb the 2~~• day of ~~~~- ~, the tmQasi¢od otlloer, PAY aPPeat+ed BARBARA D9 latowa to me (or proves) to bo Nee petsaa~ whose name ~ wbaaibed to the withia htatrnaeeat sad iodgod that aha eaoa;uted the satae tar the putposes thot+elet coata~ed. Ia witttesa rvhet~oof hereunto set ary hsmd and oi![dal coal. (~) ~~~- s~ Notary Pobiic ICY C. SHOOP, Notary Public C1ty Hanisbu-A, Courtly of Oaupian My rrar~sion Expi-es ~ 29, z00p (Primtod Name) I oettlfy that the residence sad address of flee within-nataed Laadar ia: AE{3I5 WHOIFSAI.E CORPORATIO 10 BRIARPARK DRIVE, SUI'T'E 7n0, HOUSTON. TPJLAS ~'1D42 AN - FanNy - FihnN NMIRr~ fiMo lJNlhOlMS MI~TRt~Nf t'ewwl ~O~s 1/Oi Q~sg~s ill al TO Psis) 8I~ 1978PG i 650 ner»mm~ ~~•n~•a~ vsa InsL# 20070041 B -Page 18 of 19 Cl1MBERL.AND COUNTY .. ......... Ezhibft A ALr, TxE known as 9 Coiurt3-, Pa avo des«ibod real estatq with nay imp~vem~ therooEO, locally Lang Lying aad being situate in Diddasoa Toarnship, C`umberlaod bo~oaded sad doscn'bed as follows: BECl1NNIN(3 a steel pin in T 356, Cold Springs Road at cornar of Lot No. S; thcacx along Road, So 36 degioes 2,2 minutes 40 seconds Bast 27.59 feet to a steel pia; thence st~l along T-3S ,South 43 dagroes 07 minutes IS seovads East 19.40 feat to a sled pm; thmcx across T 356, South 46 dogt+oes SZ mim~te~s 45 seconds Walt 25.00 font to a sboel pin in dedica right of way line of T 356; thence abng a anus to the right having a radius of 281.3 feet and an am length of 145.86 fxt to a abed, pin; tho®oe vontunriag along Lots 4, 1 ,and 16, South 76 degrees 49 mmoates 30 sooands Went 570.95 Poet to a ateol pia; along Lot No. 16, South 13 degteos 10 aunnrtea 30 seconds Bast 754.84 fat to a stool • thanca along lands of Doha C. Walters 3aath 76 degroes 49 minutes 30 seconds Wost .57 feet to a sled pin; thence along lands of Samuel Stuart, North 16 dog<+oas 50 35 seconds 'West 820.39 feat toasted pLa; thence slang lords of Lester Baer, N rth 72 degtas 36 minutes 24 sooonds East 325.44 fact to a stud pin; thenco along t No. S, South 16 dcgc~aas 40 m:nutGa 25 sooonds Fast 37,90 fed to a point; thc>ncx along Lot No. S, North 74 dogroes 49 mi>Anrtes 30 seconds East 543.14 feet to a point; along a anus to the left having a radius of 231.36 foot having as arc distmttce of 120.91 feat to a point is dedicetad right of way line of T 356; thence crossing road, orth 53 degrces 37 minutes 20 seconds East 27.24 fat to a point, the place of BEQ d. I3csignatocl as I.~ot No. 14 oa Plan of Cold Spring Meadows, Play Book 59, page 128. Ccr1 i fy this to be recorded Ire Cumberland County PA ' y~~ \~O ~ Y ~~~ ,~. ' I., . Recorder of Deeds TSS2aQ-OD[~ oamrmin ixnl:a~PM 78PG165! 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Ltir.. •. •i. 1 • .ice _ a ,( • '. • a 3 • • ' . . ~ s m: ` _ •i `r a. .. _ . j•_ Mr . - . - • i . . - _ T~~ - • - - %~oan No. ; Data ID: 686 ~' ~orrower:~~ lv. W ~• NOTE December 27, 2006 CARLISLE laM 9 KIMBERLY LANE CARLISLE, PENNSYLVANIA ]7015 lProvenY ~ddnsy MIN:~~~`' SBrvicerM:0100714997 FHUICM : 4 55 978 075 PENNSYLVANIA [~1 I. BORROWER'S PROMISE PAY In return for a loan that have ttceived, i promise to pay U.S. S 320;000.00 (this amonnt is called "Principat7, plus interest, to the order of t c Lender. The Lender is AEGIS WHOLESALE CORPORATION. I will make all payments under this Note in [orm of cash, check or money order. I nndetstand that the der tray transfer this Note. The lender or anyone who takes this Notc by transfer and who is entitled to receive payments Hader this Note is called the "Note Holder.° Z. Wl'EREST Intet+est will be chargod of at a yearly rate of 6.00096. Ttte interest rate regniret in Sectic~tt 6(B) o[ thfs Note. 3. PAYMENTS (A~ Time and Place of Pa I will Pay printipal and it I will snake my monthly j these payments every month w that I may owe under this Noy applied to interest be[ore Pria amonn~ in toil on that date, t I will make my monthly p reynired by the Note Holder. MuLnsraTE s~ r~TE unpaid prindpal until the full amount of Prindpal has been paid. I will pay interest by this Section 2 is the rate I will pay both before and after any default described est by making a peyntent every month. neat on the fast day of each month beginning on l~tuuy i, 2007. I will make I have paid alt of the principal and interest end any other charges desixibed below Each monthly payment will be applied as of its scheduled due date and will be al. If, on 7anttary i, 2Q37, I still owe amounts under this Nota, I will pay those :h is called the "lb[aturity Date.' nenta at P.O. 130X 422039, HOUSTON, TX 77242-4239 or at a di>i'erent place if • F.rr,i,- . rr.ie t~Ar.,tR.m. tiA.o t>Na~oraYt ttrSlfiWAFAR i ~r~rAt,s: ____~ (B) Aasowtt of M PaymeMa My monthly paytaent will be in the amount o[ U.S. S 1y18.5~ 4. BORROWIsR'S RIGld1' 7'O PREPAY [ have the right to lee payments of Pdndpal at any time before they an due. A payment of Principal only is known as a "Prepaymet " When I make a Prepayment, t will uU the Note Holder in writing that I am doing so. I may not designate a t as a Prepayment if 1 bout not made all the monthly payments due under the Note. i may make a full P yment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my Prepayments t reduce the amooat of Principal that 1 owe under thin Note. However, the Note Holder may apply toy Prepaymm to the aotxued and unpaid intenat on the Prepayment amount baton. applying my Prepayment to tedua the a1 amount o[ the Note. It I make a partial Prepayment, there wUl be no changes in the due date or in qte a not of my monthly payment unless the Note Holder agrees in writing to those changes. S. LOAN CHARCB.S Tf a law, which app to this loan and which sets maximum loan charges, is finally iaterpretod so that the interest or other k>an ooUected or to be eoUeaed in eonneaton with this loan exoxd the petanitted Omits, then: (a) arty such loan rge ahaU be reduced by the amount nece~ary to ndna the charge to the permitted limit; ' and (b) a~ sums already ILe Note ileded tram me which exceeded permitted Umits wfU be rehtnded to me. Holder may choose to this refund by redutdng the Prinapal 1 awe under tills Note or by making a direct payment to me. 1[ a reduces Prindpal, the reduction wt71 be treated as a partial Prepayment. 6. BORROWiER'S !' T'O PAY AS REQ171RED (A) Late CMtBe Rsr Pt~teate It the Note Holder h not received the full amount of any monthly payment by the end of t5 pkadar days after the dau it is due, I 1 pay a late charge to the Note Hakler. 71te amount of rite large will be 5.00 96 of my overdue payment of lncipal sad interest. I will pay this late charge promptly but only ono on each late payment. (B) Dt6ult if I do not pay the II amount of each monthly payment on the date it is due, I will be in default. (~ Notice of Detsni Ii I am in default, Note Hokk[ may send me a vvrttten notice teUirtg the that it i do not pay the overdue amount by a certain date. the Noe Holder may require me to pay immediately the [uU amount of Principal which has not been paid and all a interest that I owe on that amount. 'lbat date must be at least 30 days after We date on which the notice is led to me or deUvexed by other means. (L~ No Waiver B7 Hdder Even i~ at a dme 1 am in default, the Note Holder does not regain me to pay immediately in full as described above, the Not Holder will still have the right to do so if 1 am in default at a lour time. (E~tPayatant or Note Yolda's Costs sad 6ytpenses u the Note Holder required me W pay immediately in full as described above, the Note Holder wiU Dave the right to be paid back me [or all of its costs sad expenses is enforcing this Noce to the exuat not prohibited by appltgbk law. '[1~ose include, for example, reasonable attorneys' tees. MULTISTATE FDtID RA NOTE • ~ r~.mty • r..w ta.rti.aa. ns.n t~afotwi as~ratau~tr fens aao0 tpt ~a~ 2 0l t PeQ~ c M ~ INITIALS: i w 7 LOaR NO: 7. GIVING OF NOTICES Unless applicable law be given by delivering it or address if I give the Note F Any notice that must t it by Hrst class mail to the am given a notice of that d 8. O$LIGATIONS OF PEA If more than one per promises made In this Note surety or endorser of this 1• including the obligations of made in this Note. The N against all of us together. this Note. Y Date lD: . 's w . quires a different method. any aotice that must be given to me under this Note will y mailing it by Scat class mail to me at the Property Address above or at a different lder a notice of my different address. given to the Note Holder under this Note will be given by delivering it or by mailing ore Holder at the address stated in Section 3(A) above or at a different address if t Brent address. ~1S UNDER TATS NO'Clc signs this Notn, each person is fully and personalty obligated to keep ail of the :Iuding the promise to pay the furl amount owed. Any person who is a guarantor, is also obligated to do these things. Any person who takes over these obligations, ~araator, surety or endorser of this Noie, is also obligated to keep all of the remises Holder tray enforce its rights antler this Note against each person individually or means that any one of us may be required to pay aq o[ the amounts owui under 9. WAIVERS 1 and any other person who has obiigadons under thfs Note waive the rights of Presentment and Notice of Distanor. "Presentment" m s the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" mesas the right to require the Note Holder to give notice to other persons that amounts due have not been paid. Ili. UNIFOA;ht SECURED TE This Note is a uniform Irument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder un er this Note, a Mortgage, Deed of Trust, or Security Decd (the "Security Instrument"), dated the same dart as this ote, protects the Note Holder from possible losses which might result if I do not keep the promises which I make i this Note. That Security Instrument describes how and under what conditions I may be required to make immed' to payment in fup of all amounts I owe under .this Note. Some of those conditions are described as follows: If all or any part of he Property or say Interest in the Property is sold or transferred (or if Borrower is not a natntal person d a benefidal interest to Borrower is soil or transferred) without Lender's prior written ooosent, Londe may require immediate payment in full of afl sums secured by this Security Instrument. However, his option shall not be e~cerdsed by Lender if such exerdse is prohibited by Applicable Law. If Lender exercises his option, Lender shall glue $orrower notice of aaxlcration. The notice shall provide a period of not ess than 30 days from the date the notice is given in aooordance with Section 15 within which Borrower ust pay all sums scoured by this Security Instrument. If Borrower fails to pay these sums prior to th expiration of this period. Lender may invoke any remedies permitted by this Security Instrument wit out further notice or demand on Borrower. MULTISTATE FD~D RATE NOTE - t,~ r - Terra ww~.am. ram uttlFOwtut wstatn~tvr Form azoo trot (Fags 3 of 4 Pages) WITNESS THE HAND{S)~ AND SEAL(S) OF THE UNDERSIGNED. •• AR.• DS -eorrovwr ..••••••..•.»....•..(Seal) !~~ Orlg-rrol oM'1 MULTISTATE FD(ED RAT>~ NOTE • sb. F.dy • grri 14rrTi~ Ube u~rt Br8'1RIl~ENi Form auo lliot (PODS ~ et i Papq) ~ - `- ~;. .. - ~--•• -~-,~•••• .- - ~•-•-s -s •- •--.. •-• .•--'-- `~•• •~ -- ~ -•i ••'•' - t -rte • sr •~ ~ ~. gat ^ l"• .. 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'T.': t.y {~ '•~i. _ - p' :"- •'~.. ~ .. .. -'' - Vi'i' - - - _ ,• ' • J _ ~. .a - _ sr• ROBERT . ZIEGLER RECORD R OF DEEDS CUMBERL COUNTY 1 COURTH USE SQUARE CARLIS , PA 17013 717- 40-6370 Instrument Number -.201 Recorded On 6/2/2010 At * Yestrament Type - ASSIG Irivoiix Number -66523 * Mortgagor -WOODS, B~ * Mortgagee- CIIASE.HO] * Customer - PHELAN HA * FEES STATE 11RIT TA8 STATE JCS/ACCESS T~ JOSTICE RECORDING FEES RECORDER OF DEEDS BARGEE CERTIFICATII FEES covNT~r ARCHIVES FEl ROD ARCHIVES FEE TOTAL PAID 9:05 AM ANT OF MORTGAGE IIser ID - MSW IARA E FTNA.bTCE LLC -~ INAN ~ SCffi1~G LLP $0.50 $23.50 $11.50 $lo.oo $Z.oo $3.00 $50.50 I Certify this to be recorded in Cumberland County PA * Tots! Pages - 3 Certification Page DO NOT DETACH This page is now part of this legal document. .~ RECORDER O D EDS * - Informatbn deaotsd by an asterisk may change during the verificatbn process and may not ba reeected on this page. IIIIII 00NN1TW ~I) lui~l~llll~~~~ iu~ai ~. KNOW ALL MEN sY TH the ho lder of the I+~tortgage uMo R in hand paid by Cl bargained, sold. assured, t InderMUre of Mortgage give SYStSMS, 7NCORPORJ I2R7/Z006, is the aawuat recorded on OlA4/Z007 in 1633, Mffi~T:100053030010! ASSIGNMErF!' OF MORTGAGE 001 TV 1 SE PRESENI'3 that "Mortgage Electronie Regiatratbn Sys6ema, liue." trd+anafter "Assigmr" ereinatber mentioned, for and in cor-aidastion of the sum of ONE DOLLAR (SI.00) lawful money ASE HOME FINANCE I.LC, "Assignee," the receipt whereof is aclurowbdged, has grarrted, esfemd sad sd over unto the said Asaigno5 ks atxcessors and assigns, ALL THAT CERTAIN and executed by BARBARA E. WOODS to MORTGAGE ELECI80NIC REGISTRATION TED AS A NOMINEE FOR AEGIS WHOLESALE CORPORATION, bearing the date ~f 5320000 Oll, together with the Note and indebtedness thetdn mentioned, said Mortgage being re County of CUMBERLAND, Commonweaah of Pamsylvanis, in MortgaEe Book 1978 Pqe Boing Known as Pranises: ~ I{3IlVVIBERLY LA1~1E, CARI.LSLE, PA 1901SA397 Parcel No: 08-12-0338-090 The transfer of the mortgas and accompanying rights was etI'octive at the time the loan was sold and cor-sideration passed b the Assignor. This dssignmeM solely irtarded to descnbe the instnument sold ltt a tnarurer su~cierrt to put tlrid parties on public notice of what has been so Also ilia Bond or Ob6gatio m the said ]nderrhare of Mortgage recited, and all Moneys, Principal and Intersst, due and to grow due thcroon, with the W of AtOOmty to the said Ob>i$etion annexed. Togetirrx with all Rigtrts, Remedies and inciderrts tha~eun6o belotrgirg. And 1 its Right, Title Irrtw+est, Property, Claim and Demand, in and to the same: t' 1 t TO HAVE„ HOLD, RECEI AND TAKE, all and singular the heaeditaments and premises grarrtod sad assigned, or mentioned and atrndod so b be, with appurtenances unto Assignee, its strccoessors and assigns, no end for its only pmper use, bare6t and behoof forever; subject, less, to the equity of rcdemptlon of said Mortgagor in the said Irdentaro of Mortgage named, and hlsAterhheir heir and iaris tha+ein. IN WTIIVESS WIiI;REOF, execarted by its properoffice Sealod and Delivered In the presence of us; State of Perarsyhrania County of Ptuladelphia On this aclmowledged herself to be 1 that she, as such Assistant Purposes therein corrtained. 1N WITNESS WI-D StampJSal: The precise address of tl Assignee h: 3413 VISION DRIVE C US, OH 43219 By or Assignee) s said "Assignor" has osused its Corponrta Seal to be herein affirood and these presents b be duly this 29`" day of Apnl, 2010. Mortgage Electrode Re;istratioa Sysaerm, Ina By: ~- Or!'f4~-~~ Judith T. Ro ,Assistant ecretery Vice Presidern ss. ` day of April, 2010, before me, the subscriber, parsorrally appeared luditle T. Romano, who Asslstant Secretary and Vice President of MortEge Electronic Reglatration Systems, Inc., and rotary and Vlce President, bang authoriaod to do so, executed the 6otegoing instrument for the I hereunto set my hand std oilacial seal G~MO~yygAL TFt OF t~NNSYI YArUA NOTARIAL SEAL EDGE of Phdade phia,z~ Notary Public I PhAa. County No Public Co~~ ixpkes August 13, 012,..E wtthin named After recording rotnrn to: Pkelan Halihan & Schmleg, LLP 1617 JFK Boakvard, Snite 1400 Apri128, 2010 One Pena Getter Plata Dot ecrdion Philadelphia, PA 19103 '.i• • • r - •t• •:t' ..1 ~. •4. .l' ~i.. ..Ftl'~f,}yti j~pi•L~:C%s~ •' •' - ..<, sc-tip .••~ .~!~, ~ V•r. =~' 'j :..'li•.. ~:• _~µi. :i*F:r ~•.'f`.•~.. ~1}• :~• fist •'••x:: J..•yl^ :';~}•~~¢ .T: .`: ; .~ .F.' ..~• ti.•~~, ~.•r ;r•~ ~ •rAr '~~•~• " 1 .: a:z ~r: • Y.+7r,.. . ~.~' `•.- •i. •"t` F:{ :..' C.•+'•• •,~.,, y. =i ~~•~y.• •r :~°. 1.~~??~+' im;.•'-t .•;t+~•i~•~"~~,,•'t~ r w r..~••f+t+7P•••'•v,. .t. `~L• ~,r-N. ~:ts,: ti•+..b-v~• .AK.,~, ti. xt ~' •'~• .s~i:,,~• Y~:.• •t Zrrs1. ~3 • t'iy =t• r~~ yxt _ :j:~S,'-`~t •?'r:•.~'• :,.Sy s z. !r" •'•!' ~rTc~~'r~~a^~f' ~ ~r' Y `t,~ .~,r•.... ~•. ~Y• ~.~•J~. 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The follows: Ohb ) ss. Franklin ) ,. COOk ~ being duly sworn according to law, deposes and says: toyed in the capacity of Assistant Secretary at Chase Home i the within matter. pacity, I am familiar with the account that forms the basis of the instant n authorized to give this Affidavit. ;ustodian of records for the within matter. r payments made by Defendant have been credited to Defendant s s mortgage payments due July 1, 2009 and each month thereafter are due on the mortgage were correctly stated in the Complaint as Principal Balanc $308,899.53 Interest $16,308.23 June 1, 2 09 through April 17, 2010 (Per Die $50.78) Attorney s Fees $650.00 Cumulative Late Charges $1,726.74 Decembe 27, 2006 to April 17, 2010 Cost of Suit and itle Search $550.00 Escrow Deficit $2,296.19 S btotal $330,430.69 Suspense Credit $1 712.71 TOTAL $328,717.98 7. Mortgag r has failed to reinstate the account or offer any reasonable solution to cure the arrears on the p st due mortgage payments. 8. Plaintiff rovided mortgagor with a Notice of Intention to Foreclose Mortgage, but Defendant did not to e the necessary affirmative steps to avoid foreclosure. 9. Plaintiff ontinues to suffer unjust financial losses as it pays the taxes and insurance on the collateral;'all of which Plaintiff. 10. Plaintiff as they become due to avoid a tax upset sale and/or loss to its to the benefit of Defendant and to the severe detriment of accelerated its mortgage to protect ,sy K. Cook ss starrt Secretary Finance LLC SWORN TO AND S BEF RE ME THIS . O~ /~~ . NOTARY PUBLIC DAY 10. `a~~,/~ ~~~ ,- + '~'~'~TE OF .,",~~ Nicole Knisley Notary Public, State Of Ohio My Commission Expins X211012013 File Name: ~.:. -'. • • " f ' _ _ .fir f'•;: X• - .. ... - •. .. yy~~!••'i .jr« =.i• .sr• ae+.. :Y ~a'7t~ _~ ti~.`•~ rS• a.~. ~ r~ r -~•.. _ .~^ .. t.. ec- ., '•s{ •~^t. _ t`r r .- rt~r, ~:I'S4~ 'r. _ Y. ~_.:~.: !: .$ir'.'%'r'•~'-.i "' •• _ '• .S' _ fa +jli!:r.2. ~1 :~ •',a: ?•:e'~.:~i . _ .hu».rt tiff ~ .:'. • - i ~ la: ^~ + °~' . Z. ~jf ..,^'r~.' 1"'jS J 3ys~ ~/. r 5i`^' ~y : ~ Y . , iy. `'rr• ~_~~ r r4• . '~;~ ~ ~... •.y- ~ r' .3.._'a - gt'a~y`~a ;~~r ,~r :ry~~,~•~ ,•~:~~!_r~a.~ .•~::nr':"~:;.a::iris~y.t~;s~`vf••=3#.~.`'t's:!° +... :~,~~?'.~:::.s YF:.,ti,.. ^~ ' ,t~•K ~ -,~ .~ "s7C'i :s: . y 't _a. !a ' ~•F.•a' a,-.i L= " ~~~~ :,. •.„-f:. ,~•.~ :. • o~ ~~• 'K-.R' •, ~~:~ •~~»_ .Eft. .,atie ra?. 'st.~ ~, ~ r.`a-.i;ar7:Y[~~ .l: •-3~~.>~:~R•,',` `<. ~i~.+'.i);.'i.,f . ~S~ :.wy~~R'~ 1 ~~: 'i'-it3s . ' •s- ri Y.9i•~.. ~'ai Y:.:. 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'~ ~ ir~' •" ~_` ~s a• LS'~ !'• •~• ~f ... s-... :'• 1. .• ~• _ :` ~f• ~- ~~ ..J:.. .• •. ~ a• 4•~ ter. ';. . ~ •-~ ~ ~. ._ :' Y ~ r• ~s•• ~• ^ ~~:+ •i - .. zo r. .. - ., ~~~~sT ~ mss: •, ~_ a t`a - ~• :i; a' ••rr y-• J•~ •__ ~. s FtLEO-i~r,'it;F ?r THE ~~~~'¢n~,K^;,-ARY /2Qt0 dPR 29 d~ t0~ 2~ V1J~~~F;t:':'eU (~.)111~ ~C.~~IVs~~ii~~i~ Phelan Hailinsn 8c Schmie~ LLP Lawrence T. Phelan, Esq., I . No. 32227 Fiancis S. Hallman, Esq., I No. b2695 Daniel G. Schmieg, Esq., Id No. 62205 Michele M. Bradford, Esq., d. No. 69849 Judith T. Rouumo, Esq.. Id. o. 58745 Shoetal R Shah-Jani, Esq., I No. 81760 JEaine R Davey, Esq., Id. N .87077 Lauren~R Tabas, Esq., Id .93337 Vivek Srivastava, Esq., Id. o. 202331 Jay B. Jones, Esq., Id. No. 8 57 Peter J. Mulcahy, Esq., Td. .61791 Andr+eiv L. Spivack, Esq., Id No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalaute P. Fliakos, ., Id. No. 94620 Joshua I. Goldman, Esq., Id. .205047 Courtenay R Duna, Esq., Id No. 206779 Andrew C. Bramblett, Esq., d. No. 208375 1 b 17 JFI~ Boulevard, Suite 1 00 One Penn Center plaza Philadelphia, PA 19103 215-563-7000 CHASE HOME FINA CE LLC 341 S VISION DRIVE COLUMBUS, OH 432 9 . v. BARBARA E. WOOD 9 KIMBERLY LANE CARLISLE, PA 17415- i97 COURT OF COMMON PLEAS CIVIL DIVISION TERM NO. ~D ' o~-~SO CJ/ CUMBERLAND COUNTY CIVIL ACTION -LAW ATTORNEY FOR PLAINTIFF -: AT~Okt~~Y ~ILt ~~,: ~~. SASE RETURnt COt'1'aBC"~ C©~3~f 4f the 237536 ~~~ ~~$~ ~ ~D~ Fik #: 237536 NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you ust take action within twenty (20) days after this Complaint and Notice are served by entering written appearance personally or by attorney and filing in writing with the Court your defers or objections to the claims set forth against you. You are warned that if you fail to do so, the a may proceed without you, and a judgment may be entered against you by the Court without er notice for any money claimed in the Complaint or for any other claim or relief request by the plaintiff. You may lose money or property or other rights important to you. YOU SHOUL 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 PI~.OVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER IF YOU CANN T AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TC~ ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY ATTORNEY REFERRAL CUMBERLAND COUNTY BAR ASSOCIATION CUMBERLAND COUNTY COURTHOUSE 2 LIBERTY AVENUE CARLISLE, PA 17013 (717)249-3166 (800)990-9108 File ~: 237536 1. 2. 3. 4. 5. 6. Plaintiffis CHASE HO FINANCE LLC 3415 VISION RIVE COLUMBUS, H 43219 The name(s) an last known address(es) of the Defendant(s) are: BARBARA E. GODS 9 ICIlVIBERLY CARLISLE, PA 17015-9197 who is/are the ortgagor(s) and/or real owner(s) of the property hereinafter described. On 12/27/2006 ortgagor(s) made, executed and delivered a mortgage upon the premises hereinafter des 'bed to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INCORPORA D AS A NOMINEE FOR AEGIS WHOLESALE CORPORATION which mortgage is recorded in the Office of the Recorder of CUMBERLAND County, in Mortgage Book o. 1978, Page 1633. The PLAINTIFF is now the legal owner of the mortgage and is n the process of formalizing an assignment of same. The mortgage and assignment(s), i any; are matters of public record and are incorporated herein by reference in ac rdance with Pa.R.C.P. 1019(8); which Rule relieves the Plaintiff from its obligations to a ch documents to pleadings if those documents are of public record. The premises su ject to said mortgage is described as attached. T1~e mortgage is n default because monthly payments of principal and interest upon said mortgage due 07 O 1/2009 and each month thereafter are due and unpaid, and by the terms of said mortgage upon failure of mortgagor to make such payments after a date specified by written notice sent to Mortgagor, the entire principal balance and all interest due thereon are coil 'bie forthwith. T'he following ounts are due on the mortgage: F~1e~l: 237536 Princip Balance Interest 06/01/2. through 04!17/2010 (Per 'em $50.78) 7. 8. 9. $308,899.53 $16,308.23 Attom s Fees $650.00 Cumin 've Late Charges $1,726.74 12/2 006 to 04!17/2010 Costs o Suit and Title Search $550.00 Escrow eficit 2 296.19 Subto $330,430.69 Suspens Credit 1712.71 TOT $328,717.98 Plaintiff is not s Icing a judgment of personal liability (or an in Qersonam judgment) against the Defe dent(s) in the Action; however, Plaintiffreserves its right to bring a separate Action t establish that right, if such right exists. If Defendant(s) has/have received a disch a of personal liability in a bankruptcy proceeding, this Action of Mortgage Forecl sure is in no way an attempt to reestablish such personal liability discharged in b ptcy, but only to foreclose the mortgage and sell the mortgaged premises punsuani to Pennsylvania Law. Notice of Intenti to Foreclose as set forth in Act 6 of 1974, Notice of Homeowner's Emergency Assis ante Program pursuant to Act 91 of 1983, as amended in 1998, and/or Notice of Default as required by the mortgage document, as applicable, have been sent to the Defendant(s) n the dates} set fortli thereon, and the temporary stay as provided by said notice has t iniated because Defendant(s) haslhave failed to meet with the Plaintiff or an authorized nsumer credit counseling agency, or haslhave been denied assistance by the Pennsyly a Housing Finance Agency. The action does n t come under Act 6 of 1974 because the original mortgage amount exceeds the dolla r ount provided in the statute. Fie ~l: 237536 WHEREFORE, Plain 'ffdemands an in rem judgment against the Defendant(s) in the sum of $328,717.98, togeth with interest from 04/17/2010'at the rate of $50.78 per diem to the date of judgment, and other sts, fees, and charges collectible under the mortgage and for the foreclosure and sale o the mortgaged property, PHELAN HALLINAN & SCHMIEG, LLP By. ~ ~."" 'CJ Lawrence T. Phelan, Esq., Id. No. 32227 ^ Francis S. Hallman, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 ^ Michele M. Bradford, Esq., Id. No. 69849 ^ Judith T. Romano, Esq., Id. No. 58745 ^ Sheetai R Shah-Jani, Esq., Id. No. 81760 Q Jenine R. Davey, Esq., Id. No. 87077 ^ Lauren R Tabas, Esq., Id. No. 93337 ^ Vivek Srivastava, Esq., Id. No. 202331 ^ Jay B. Jones, Esq., Id. No. 86657 ^ Peter J. Mulcahy, Esq., Id. No. 61791 ^ Andrew L. Spivack, Esq., Id. No. 84439 ^ Jaime McGuinness, Esq., Id. No. 90134 ^ Chrisovalante P. Fliakos, Esq., Id. No. 94620 ^ Joshua I. Goldman, Esq., Id. No. 205047 ourtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 Attorneys for Plaintiff Fik #: 237536 LEGAL DESCRIPTION ALL THE FOLLOWIN described real estate, with any improvements thereon, locally known as 9 Kimberly Lane, Lying being situate in Dickinson Township, Cumberland County, Pennsylvania, bounded and described follows: BEGINNING at a steel p in T-356, Cold Springs Road at corner of Lot No. 5; thence along Road, South 36 degrees 22 min tes 40 seconds East 27.59 feet to a steel pin; thence still along T-356, South 4~ degrees 07 min tes I S seconds East 19.40 feet to a steel pin; thence across T-356, South 4b degrees 52 minutes 45 s nds West 25.00 feet to a steel pin in dedicated right of way line of T-356; thence along a curve to right having a radius of 281.35 feet and an arc length of 145.86 feet to a steel, pin; thence contin ' along Lots 4, 15, and 16, South ?6 degrees 49 minutes 30 seconds West 570.95 feet to a steel pin; ence slang Lot No. 16, South 13 degrees 10 minutes 30 seconds East 754.84 feet to a steel pin; ence along lands of John C. Walters South 7b degrees 49 nunutes 30 seconds West 246.57 feet o a steel pin; thence along lands of Samuel Stuart, North 16 degrees 50 minutes 35 seconds West 20.39 feet to a steel pin; thence along lands of Lester Eser, North 72 degrees 36 minutes 20 nds East 325.44 feet to a steel pin; thence along Lot No. 5, South 16 degrees 40 minutes 25 nds East 37.90 feet to a point; thence still along Lot No. 5, North 76 degrees 49 minutes 30 s radius of 231.36 feet ha ' T-356; thence crossing roa place of BEGINNING. Designated as Lot No. 14 PARCEL No. PROPERTY ADDRESS File #: 237536 ds East 543.14 feet to a point; thence along a curve to the left having a an arc distance of 120:91 feet to a point in dedicated right of way line of North 53 degrees 37 minutes 20 seconds East 27.24 feet to a point, the Plan of Cold Spring Meadows, Plan Book 59, page 128. 08-12-0338-090 9 KIMBERLY LANE, CARISLE, PA 17015 yERIFICATION , hereby states that he/she is ~ of CHASE HOME FINANCE LLC, servicing agerrt for Plaintiff in this ,CHASE HOME FINANCE LLC, that he/she is authorized to take this Verification, and the statements made in the foregoing Civic Action in Mortgage Foreclosure are true and correct the best ofhis/her knowledge, information and belief. The undersigned understands that th' statement is nsade subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsifi 'onto authorities. DATE: t~ File #: 237536 Name: WOODS Name: Cook Title: Woe Pr~idant Company: CHASE HOME FINANCE I.LC .. ..... _ •o,~;.. ~• •. . .. ~; ~ ~ .. _ +a-.r:r•rr'• M1~71••.r1` :f:. .1 •r iw,~~s ip •.*f .. •t~ •'i?• ' •`~~. `~ •~. V.J •' 4. '.. •~.~ "~ S.r'{'r ••La '~ ~Y,~: ~F +',y.•i+ ••~~''~~ ~!. ~ Jr'• .h {• ,S?,~ •i ~..~ r~• •wi ~a i.•'0. r• Y L I^ •' M. ~ r `t,. .-}~~c~~•~+.~'a~.~.TS.~ya'a°^;tr~.ti '.rctri ~y ~r4'S i•i Ti+.r ..":" '.°~s''... .._'~ r.• •:=•i =••,~ '~t• !•::'~t '~:S '• .y'4 ~s~tr.iT,~ fi~i••• .ti`2^ 'r~i. "~.a'1r.° :~,N.:i. y r. .' i,::-: -'. , r . _ r .~"~ ~ ~: ..S ~ . r`rr•-.')fi:. ? .L~;£l'r •;!~-.: r . ~'i,4.~. .~'r~LC\.'~./r ti~. .jam ~* ~i..5. 1 ~y~j• 'r iY'J:~ •'y~'.. •~J 'isL'.j~^,.K.}y~'y.ih,~.,.wn«~•°z5: :fit" ~'•' s•~.;i: a. ~.t,r i•.jr, ~.i~ :Nr~'• .y=• •r .r :~:; ~- _~/:~ .:,2N~~?+•aFre.. •r. rr[:•,.xi:, .:~+/V:.i+. ••~Y ':!':~- ` '.i:.:f.,. r::. •r3 y.. w.. ~P~!'. _ '~:-: a }: yr. .r;: : 'f:;•.`' `: }:a.• _ ..: e . .3t+=~' :ri ' •~~• • - '•tr .w: y' . u ir•~ts r rYJr,S~~}• Y! s5,'•~i : ~ .:l~'.:.,: • '•ti.,: i,. '•t.s~:jtiS -•a•. :s««:'...t .,' ~t «4 .~• i~=. ~~ - .h.i•~i'•"• ~ •:t• ; -f ~` :,Z ••.m=•;:r.s. 9i'~ r5: ''iii :" ~s':•.' _i'r: ,'~ •+:•. s:7.r.: ~:"._n:~• - .:r~• •i1,• ., e'•C~~:.• •'•• .t~a^-~.. j.• a ~.2 r ^~ ..~f _ r ... ,i. ~ - _ _ !fir - a . r. - J .. •• j CHASE HOME v. BARBARA E. WOODS, AND NOW c Complaint, avers as 1. Admitted, 2. Admitted. 3. The averme mortgage, which as a 4. The averment which speaks for itself. . ~ r. ~,37,~3~ LLC : IN THE COURT OF COMMON PLEAS OF Miff CUMBERLAND COUNTY, PENNSYLVANIA b ; ~ ~ ~ r NO. 2010 - 2850 ~ ~? ~ } ~ ' ~~ :CIVIL ACTION -COMPLAINT IN MORTC~i ; --j c] Q ~ndant :FORECLOSURE z c-, -o ~ ~-' `~' y ~:c . DEFENDANT' ANSWER Tn COMPLAINT Barbara E. Woods, pro se, and in response to Plaintiffs upon information and belief. contained in paragraph 3 of Plaintiffs Complaint refer to a Ming, speaks for itself. contained in paragraph 4 of Plaintiffs Complaint is a writing, 5. The conclusions of law to Plaintiffs Complaint purported defaults [ trial. 6. The constitute conclusions are deemed factual in Complaint does not set defaults Defendant has Further, Plaintiff has fees of $650.00. 7. After sufficient knowledge or its contained in paragraph 5 of Plaintifi"s Complaint constttute rich no response is required. i3y way of further answer, ~ not set forth with requisite spedficity the nature of the ~dant has committed, and strict proof is demanded at time of contained in paragraph 6 of Plaintiff's Complaint flaw to which no response is required. To the extent that they ature, they are denied. BY way of further answer, Plaintlffs Forth with requisite specificity the nature of the purported committed, and strict proof is demanded at tlme of trial. ~vided no support for its assertion for entitlement to attorneys investlgatlon, Answering Defendant is without n to form a belief as to the truth of the averments contained in paragraph of Plaintlffs Complaint, and, therefore, they are denied. 8. After r asonable Investlgation, Answering Defendant is without sufficient knowledge or nformatlon to form a belief as to the truth of the averments F contained in paragraph ~ of Plaintlffs Complaint, and, therefore, they are denied. 9. The constitute WHEREFORE, her favor and agains contained in paragraph 9 of Plaintiffs Complaint of law to which no response is nrquirexi. Defendant respectfully requests that judgment be rendered in Plaintiff. Respectfully submitted, Date: 6 - t ~ + rbara E. Woods, pro se 9 IGmberly Road Carlisle, PA 17015 I, BARBARA E. true and correct. I penalties of 18 Pa. C. Date: ° ~ ~ ~a WOODS, verify that the statements made in this document are understand that false statements herein are made subject to . § 4904, relating to unsworn fafsiflcation to authorities. ra .Woods, Defendant CERTIFICATE OF SERVICE I, BARBARA E. Answer on the indivld~ First Gass, postage pr Courtenay R. Dunn, Esq PHELAN HALLINAN & Sc 1617 JFK Boulevard, Sul One Penn Center Plaza Philadelphia, PA 19103 Date: l9 - ~ - I b HOODS, certify that I have served a copy of the Defendant's d listed below by deposing the same in the United States Mail, paid, at Carlisle, Pennsylvania: re LLC. 1500 Barbara E. Woods, pro se 9 Kimberly Road Carlisle, PA 17015 ~, ~~ .- .. '; . - •. `. • . - ~: :; . ' . s:' vt N .. ,~• .. lYs' • ':~': !' - •a.. 'l, %•• ." ' r•' ••+' +"r:; jJi -.T . ~L.. A•• • a... ~1^.:• •y.!.~..+....•~~ .fir ~~:'~,f'.:- ~ •~.. •~.;et= .i, ' !! •f .s :~:n, ter:: ? ,ri: ; ..f•~itiF' :l. fal..w `•t+ y+t• 7'r%'r .'. .e•?°:'." '• •••s=•"•^• r' 's y~~ .' 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O.iti ~{'' •. .,, j• •. ~'•. r~•7 ~•r• j+~.. tJV _ .1•'~'•.' •''~-• _l:l: •:'~•• x ~'~~ - V' .. - x•• . .... .... .... .: .. _., Chase Home Finance LLC (O -7356) 3415 Vision Ddve Columbus, OH 4319-6009 7107 8381 6540 4437 9326 February 22, 2010 z-gas-asap s-0oooo~ e.oot-o~ ~-~oo-0oo-ooo BARBARA E WOODS 9 KIMBERLY LN CARLISLE PA 17015-9197 Your. ouse is your home. We want to keep it that way. need to talk--call (800) 848-9380 today. CHASE O You're going through tou times-we can help. In fact, we believeyour home loan may be eligible for a loan modification p ogram we may be able to change the term of your loan, the interest rate, and maybe even the princi al due date, to reduce the monthly payment to an amount you can afford. Call us today at (80~ 848-9380 so we can help you turn things around. Weil discuss your current situari n (outlined in the enclosed letter) and the options available to you. But we cannot stress enough that the longer you delay calling asthe fewer chances you may have to keep yo r home. It will only take a few min tes on the phone-one of our Loan Specialists will work with you to determine the option that b st fits your needs. There are several options availablo-call us nowand let's see which one will w rk best for you. We are committed to wor~ng with you to find a way to help you keep your hom~ebut you must call us immediately at (800) 8-9384-the longer you delay the fewer oprions you may have. Collections Department Chase Home Finance LLC (800) 848-9380 (800) 582-0542 TDD / Te Telephone P.S. The enclosed legal le r outlines, in detail, your current situation andthe consequences that will occur unless we rece ve the required financial informarion from you and can approve you for a modification.0 ce you call us with the information needed, then we can work together to determine the option at will work best for you. We cannot guarantee that you will be approved, but your only chance f saving your home is by contacting us immediately. Please don't delay-mall us now at 00) 848-9380. FCL MTM Chase Home Finance LLC (O 4-TS58) ~~t'4~ 3415 Vision Drive Columbus, OH 43219-6009 •• February 22, 2010 2-748-46818-0000016-00 -011-100-000-000 BARBARA E WOODS 9 KIMBERLY LN CARLISLE PA 17015-9197 Accelerati w rn n ( otice of Intent to Foreclose) Property A3dress: 9 KI~VIBERLY LN CAR ISLE, PA 17015 (the "Property") Dear Mortgagor(s): ACT 91 NOTICE TAI~:E ACTION TO SAVE YOUR HO E FROM FORECLOSURE This is an official Notice at the mortgage on your home is in default, and the lender intends to foreclose. Specific information abo t the nature of the default is provided in the attached pages. The HOMEOWNERS' E~ERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. his Notice explains how the program works. To see if HEMAP can he ,you must MEET WITH A CONSUMER CREDIT COUNSELING AG1sNCY WITHIN THIRTY-THR E (33) DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Couns ling Agency. The name, address, and p one number of Consumer Credit Counseling Agencies serving your county are listed at the end of this Notice. you have any questions, you may call the Pennsylvania Housing Finance Agency toll-free at (800) 342-239 . (Persons with impaired hearing may call [717] 780-1869.) This Notice contains im rtant legal information. If you have any questions, representatives at the Consumer Credit Counseling Agenc may be able to help explain it. You may also want to contact an attorney in your area. The local bar associ tion may be able to help you find a lawyer. LA NOTIFICACION EN~ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERIsCHO A CONTINUAR VIVIEND EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTE GA UNA TRADUCCION INMEDIATAMENTE LLAMANDO A ES"I'A AGENCIA (PENNSYL ANIA HOUSING FINANCE AGENCY) STN CARGOS AL NUMERU MENCIONADO ARRI A. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "ROMEO ERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU C SA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNERS NAME(S): PROPERTY A DRESS: LOAN ACCT. CURRENT L)_ BARBARA E WOODS 9 KIMBERLY LN CARLISLE~PA 17015 Chase Hom~nance LLC ROMEO NERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAYBE ELIGIB E FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND ELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIO S OF THE HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), OU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE. • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE ASONABLE PROSPECTS OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, A • TF YOU MEET THER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVAN A HOUSING FINANCE AGENCY. TEMPORARY STAY O FORECLOSURE--Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thi (30) days from the date of this Notice (plus three [3] days for mailing). During that time, you must arrange a d attend a "face-to-face" meeting with one of the Consumer Credit Counseling Agencies listed at the en of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THRF;E (33) DAYS OF THE DATE F THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MOR'T'GAGE ASSISTANCE, YOU ST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO C RE YOUR MORTGAGE DEFAULT" EXPLAINS. HOW TO BRING YOUR MORTGAGE UP TO D TE. CONSUMER CREDIT OUNSELING AGENCIES--If you meet with one of the Consumer Credit Counseling Agencies listed at the en of this Notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. a names, addresses, and telephone numbers of designated Consumer Credit Counseling Agencies for a county in which the property is located are set forth at the end of this Notice. It is only necessary to schedu a one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR M( in this Notice (see follow to apply for financial assi you must fill out, sign, an of the designated Consun Counseling Agencies hav application to the Pennsy: foreclosure action, your a within thirty (30) days of YOU SHOULD FILE A l WITH A COUNSELING tTGAGE ASSISTANCE--Your mortgage is in default for the reasons set forth later g pages for specific information about the nature of your default). You have the right ance from the Homeowners' Emergency Mortgage Assistance Program. '1'o do so, file a completed Homeowners' Emergency Assistance Program Application with one r Credit Counseling Agencies listed at the end of this Notice. Only Consumer Credit applications for the program and they will assist you in submitting a complete ania Housing Finance Agency. To temporarily stop the lender from filing a ~lication MUST be forwarded to Pennsylvania Housing Finance Agency and received our face-to-face meeting with the counseling agency. iEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING AGENCY WITHIN THIRTY-THREE (33) DAYS OF THE POSTMARK DATE 1 ._ ~I OF THIS NOTTCE AND ILE AN APPLICATION WITH THE PENNSYLVANIA HOUSING FINANCE AGENCY WITHIN TH (30) DAYS OF THAT MEETING, THEN THE LENDER WILL BF. TEMPORARILY PREVE ED FROM STARTING A FORECLOSURE ACTION AGAINST YOUR PROPERTY, AS EXPLA ED ABOVE, IN THE SECTTON CALLED "TEMPORARY STAY Ol~ FORECLOSURE" ~ f YOU HAVE THE RIGH TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION ILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTTON, BUT IF YOUR APPLICATTON IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE ORECLOSURE WILL BE STOPPED. AGENCY ACTION--Ava Table funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency u der the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) day to make a decision after it receives your application. During that time, no foreclosure proceedings w 11 be pursued against you if you have met the requirements set forth above. You will be notified directly by the ennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CU NTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PAR OF THIS NOTICE IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CON IDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still a ply for Emergency Mortgage Assistance.) HOW TO CURE YOUR I~tORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFA LT--The Mortgage debt held by the above lender on your property located at: 9 KIMBERLY LN, CARLI LE, PA 17015 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS starting 07/01/2009 through 02/20/2010, and the following amounts are now past due. If you have any questions Total Monthly Payn Late Charges: Other Fees: TOTAL AMOUNT HOW TO CURE THE DE: Notice BY PAYING THE ANY MORTGAGE PAY)! (30)-DAY PERIOD. Acco~ amount advanced and due order, or certified check an Regular Mail: Overnight Mail: the amounts below, please contact us as soon as possible at (800) 848-9380. Past Due: $18,250.40 $1,534.88 $14.00 TO CURE DEFAULT : $0.00 FAULT--You may cure the default within THIRTY (30) DAYS of the date of this tOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $19,799.28 PLUS LENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY rots not including an escrow monthly deposit may not reflect the entire escrow rn the loan. Payments must be made in the form of cash, cashier's check, money i sent to: Chase Home Finance LLC PO BOX 78420 Phoenix, AZ 85062-8420 Chase Home Finance LLC Attention PO BOX 78420 1820 East Sky Harbor Circle South Phoenix, AZ 85034-9700 i IF YOU DO NOT CU THE DEFAULT--If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the 1 nder intends. to exercise its rights.to accelerate the mortgage debt. This means that the entire outstanding balan a 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 a so intends to instruct its attorneys to start Legal action to foreclose upon your mortgaged property. IF THE MORTGAGE I 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 proc edings against you, you will still be required to pay the reasonable attorney fees that were actually incurred, u to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney f es actually incurred by the lender even if they exceed $50.00. Any attorney 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 fees. OTHER LENDER REM all other sums due under RIGHT TO CURE THE the THIRTY (30)-DAY default and prevent the s total amount then past di with the foreclosure sale lender and by perfonmin forth in this Notice will ~ EARLIEST POSSIBLE sale of the mortgaged pr this Notice. A notice of amount needed to cure t the required payment or HOW TO CONTACT Name of Lender: Address: Phone Number: Fax Number: Contact Person: E-mail Address: EFFECT OF SHERIFF' mortgaged property and lawsuit to remove you a ASSUMPTION OF MO] who will assume the mor costs are paid prior to or eligibility, you must cont ES--The lender may also sue you personally for the unpaid principal balance and mortgage. >EFAULT PRIOR TO SHERIFF'S SALE--If you have not cured the default within eriod and foreclosure proceedings have begun, you still have the right to cure the le at any time up to one hour before the sheriff s sale. You may do so by paying the :, plus any late or other charges then due, reasonable attorney fees and costs connected .nd any other costs connected with the sheriffs sale as specified in writing by the any other requirements under the mortgage. Curing your default in the manner set store your mortgage to the same position as if you had never defaulted. iERIFF'S SALE DATE--It is estimated that the earliest date that such a sheriffs erty could be held would be approximately five to six (5-6) months from the date of actual date of the sheriff's sale will be sent to you before the sale. Of course, the default will increase the longer you wait. You may find out at any time exactly what will be by contacting the lender. LENDER: Chase Home Finance LLC Mail Code OH4-7356 3415 Vision Drive Columbus, OH 43219-6009 (800) 848-9380 (614)422-7912 Justin Powell-Wilburn Justin.I.Powell-Wilburn@chase.com SALE--You should realize that a sheriff's sale will end your ownership of the our right to occupy it. If you continue to live in the property after the sheriff s sale, a i your furnishings and other belongings could be started by the lender at any time. 'GAGE--You might be eligible to sell or transfer your home to a buyer or transferee age debt, provided that all the outstanding payments, charges, and attorney fees and the sale and that the other requirements of the mortgage are satisfied. To determine t our office to verify the assumability of your property. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE ] TO BORROW r • TO HAVE • TO HAVE THE HAD OCCURR RIGHT TO CUI YEAR.) • TO ASSERT OR ANY OT • TO ASSERT A: THE LENDER. • TO SEEK .TY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR FRAM ANOTHER LENDING INSTITUTION TO PAY OFF TI-]IS DEBT. DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR Blsl-IALF. ORTGAGE RESTORED TO THE SAME POSITION AS IF NO DE}~AULT ~, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVI: 'T'HIS YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY UNDER THE FEDERAL BANKRUPTCY LAW. An important reminder for all our customers: As stated in the "Questions and Answers for Borrowers about the Homeowner ffordability and Stability Plan" disMbuted by the Obama Administration, "Borrowers should bew re of any organization that attempts to charge a fee for housing counseling or modification of a delinq ent loan, especially if they require a fee in advance." Chase offers loan modification assistance ree of charge (i.e., no modification fee required). Please call us immediately at (800) 848-9380 to disco your options. The longer you delay the fewer options you may have. Chase Home Finance L~C is attempting to collect a debt, and any information obtained will be used for that purpose. We may report informati n about your account to credit bureaus. Late payments, missed payments, or other defaults on your account ay be reflected in your credit report. Sincerely, Collections Department Chase Home Finance Ll (800)848-9380 (800) 582-0542 TDD /'] Enclosures 1. HEMAP Consumer C 2. Homeowner's Assists CERTIFIED MAIL: Ref Telephone Counseling Agencies Brochure Receipt Requested and First Class Mail BR860 EXHIBIT F _. ... .. i .. .. .: .... ;. 3270 Explorer JPMORGAN CHASE - 465 Loan Numbsr:~ ~ ~. Borrower Name: WOODS,BARBARA E SER CUSTOMER SERVICE INV 580/001 06 i5/10 12:08:9'% BARBARA E WOODS 202-38-3388 OC TYPE CONY. RES. MAN P 000-00-0000 IR 6.00000 BR 00 717-386-3456 9 KIMBERLY LN CARLISLE PA 17015 1 999-999-9999 < 907 9298 GE PF MFDCK DOWNLOAD PRE-FORECLOSURE STAT >: 04/17/10 ----WHIST--------- ------------* LOAN HISTORY *---------------------------(MORE) PROC-DT DUE-DT T AN TRAN-DESCRIPTION IRAN-EFFECTIVE-DATE TRAN-AMT PRI CIPAL INTEREST ESCROW AMOUNT/CD/DESCRIPTION 05-27-10 00-00 6 3 MISC FORECLOSURE AND BANKRUPTCY EXPENSES 19.00 0.00 0.00 0.00 19.00 MTGR REC CORP ADV BA 05-10-10 00-00 6 2 STATUTORY EXPENSES 325.00 0.00 0.00 0.00 325.00 MTGR REC CORP ADV BA 05-10-10 00-00 6 2 STATUTORY EXPENSES 35.00 0.00 0.00 0.00 35.00 3RD REC CORP ADV 05-10-10 00-00 6 2 STATUTORY EXPENSES 105.00 0.00 0.00 0.00 105.00 MTGR REC CORP ADV BA 05-10-10 00-00 6 2 STATUTORY EXPENSES 92.00 0.00 0.00 0.00 92.00 MTGR REC CORP ADV BA 05-10-10 00-00 6 0 ATTORNEY ADVANCES 35.00 0.00 ~ 0.00 0.00 35.00 3RD REC CORP ADV ---* PF2 FOR ADDL SSAGES *-=-~--~~------------------------------------------- ACTIVE FORECLOSURE REMOVED LOSS MITIGATION LOSS MIT IND Y D IED LOSS MIT ~"'~-r:" LOAN IS IN FORECLO RE, F/C STOP 3 NO NOTICES ~ C :a:: . . Printed sy:wz61002 on e~te~zo~o ~2:g8:s~ PM ~8 ~ ~ ~ 3270 Explorer .~MORGAN CHASE - 465 Loan Numbsr.~~r .L, Borrower Name: WOODS,BARBARA E SER1 CUSTOMER SERVICE- INV 580 001 05 5 1 12:08:97 BARBARA E WOODS 202-38-3388 OC TYPE CONV. RES. MAN P 000-00=0000 IR 6.00000 SR 00 717-386-3956 9 KIMBERLY LN CARLISLE PA 17015 1 999-999-9999 < 40769298 GE PF MFDCK DOWNLOAD PRE-FORECLOSURE STAT >: 04/17/10 ----WHIST---------- -----------* LOAN HISTORY *--------------------------(MORE) PROC-DT DUE-DT T IRAN-DESCRIPTION TRAN-EFFECTIVE--DATE TRAN-AMT PRIN IPAL INTEREST ESCROW AMOUNT/CD/DESCRIPTION OS-10-10 00-00 630 ATTORNEY ADVANCES 625.00 ,00 0.00 0.00 625.00 MTGR REC CORP ADV BA 05-03-10 00-00 745 CORPORATE ADVANCE ADJUSTMENT 4.25 .00 0.00 0.00 4.25 NON REC CORP ADV 05-03-10 00-00 745 CORPORATE ADVANCE ADJUSTMENT 9.25- .00 0.00 0.00 9.25- 3RD REC CORD ADV 04-30-10 00-00 633 MISC FORECLOSURE AND BANKRUPTCY EXPENSES 19.00 .00 0.00 0.00 19.00 MTGR REC CORP ADV BA 09-25-10 00-00 795 CORPORATE ADVANCE ADJUSTMENT 0.75 .00 0.00 0.00 0.75 NON REC CORP ADV 04-26-10 00-00 795 CORPORATE ADVANCE ADJUSTMENT 0.75- .00 0.00 0.00 0.75- 3RD REC CORP ADV ---* PF2 FOR ADDL ME SAGES *---------------~----------------------------------- RCTIVE FORECLOSURE REMOVED LOSS MITIGATION LOSS MIT IND = Y DEN ED LOSS MTT ' '~' ~• • •-~ .. •:;:• LOAN IS IN FORECLOSU E, F/C STOP.; y.;~`:;, NO NOTICES = C ~~ : • ; :. Printed By: W2b1002 on 8/16/201012:0854 PM Page 1 of 1 3270 Explorer JPMORGAN CHASE - 465 Loan Number: Borrower Name: WOODS,BARBARA E SERI CUSTOMER SERVICE INV 580/001 06/15/10 12:08:47 BARBARA E WOODS 202-38-3388 OC TYPE CONV. RES. MAN P 000-00-0000 IR 6.00000 BR 00 717-386-3456 9 KIMBERLY LN CARLISLE PA 17015 1 999-999-9999 _ < 40769298 GE PF MFDCK DOWNLOAD PRE-FORECLOSURE STAT >: 04/17/10 -----HIST---------- -----------* LOAN HISTORY *--------------------------(MORE) PROC-DT DUE-DT T TRAN-DESCRIPTION TRAM-EFFECTIVE-DATE TRAN-AMT PAIN IPAL INTEREST ESCROW AMOUNT/CD/DESCRIPTION 04-16-10 07-09 152 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 0.00 95.93-1 LATE CHARGE 04-16-10 00-00 795 CORPORATE ADVANCE ADJUSTMENT 6.80 0.00 0.00 0.00 6.80 NON REC CORP ADV 04-16-10 00-QO 795 CORPORATE ADVANCE ADJUSTMENT 6.80- 0.00 0.00 0.00 6.80- 3RD REC CORP ADV 04-06-10 07-09 161 ESCROW ADVANCE 615.64 0.00 0.00 615.69 04-06-10 03-10 316 TOWNSHIP'TAX'.:'•~•.~ 615.64- 0.00 O:E?0.•. ~~ 615.64- PAYEE = 370410004 ---* PF2 FOR ADDL M SSAGES *-~-------------....-_-------------------------------- ACTIVE FORECLOSURE REMOVED LOSS MITIGATION LOSS MIT IND Y DE IED LOSS MIT LOAN IS IN FORBCLOS RE, F/C STOP = 3 NO NOTICES C '^:.: ': +ri -c Printed By: W251002 on 6!16/201012:¢8:58 PM Page 1 of 1 3270 Explorer JPMORGAN CMASE - 465 Loa n Jumber~~ Borrower Name: WOODS,BARBARA E SERI CUSTOMER SERVICE INV 5B0/001 06/15/10 12:08:97 BARBARA E WOODS 202-38-3388 OC TYPE CONV. RES. MAN P 000-00-0000 IR 6.00000 BR 00 717-386-3956 9 KIMBERLY LN CARLISLE PA 17015 1 999-999-9999 _ < 90769298 GE PF MFDCK DOWNLOAD PRE-FORECLOSURE STAT >: 09/17/10 ----WHIST---------- -----------* LOAN HISTORY *--------------------------(MORE) PROC-DT DUE-DT T N TRAN-DESCRIPTION TRAN-EFFECTIVE-DATE TRAN-AMT PRI IPAL INTEREST ESCROW AMOUNT/CD/DESCRIPTION 03-16-10 07-09 15 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 0.00 95.93-1 LATE CHARGE 01-21-10 06-09 166 REPAY OF ESCROW ADVANCE 0.00 0.00 O.OU~~• 307.09- 307.09 ~~~21 30 46 09 ,173 `PAYMENT. ,.{ ,: 2.20 1, 596 36 307.09.,, ,_2, 225 65- ,~> „- ~ 9~.~53 ;~ 1~ 680.55- ~~11 0 ,10 06 09„', ,7,7 , . _ PAYMEI!LT . 2,:246.73 0.00 0.00 0.00 2,296.73 Oi-19-10 00-00 795 CORPORATE ADVANCE ADJUSTMENT 0.75 0.00 0.00 0.00 0.75 3RD REC CORP ADV PF2 FOR ADDL SSAGES -------------------------------------- ACTIVE FORECLOSURE REMOVED LOSS MITIGATION LOSS MIT IND Y DE IED LOSS MIT LOAN IS IN FORECLOS RE, F/C STOP = 3 NO NOTICES C (t.{. Printed By: W267002 on 6116/20101 F~VI . .:i.. Pie 1 of 1 i 3270 Explorer JPMORGAN CHASE -465 Loan Number. Borrower Name: WOODS,BARBARA E SERI USTOMER SERVICE INV 580 001 06/15/10 1 :97 „~ BARBARA E WOODS 202=38j3388 OC TYPE CONV. RES. MAN P 000-00=0000 IR 6.00000 BR 00 717-386-3956 9 KIMBERLY LN CARLISLE~PA 17015 1 999-999-9999 _ < 407 9298 GE PF MFDCK DOWNLOAD PRE-FORECLOSURE STAT >: 09/17/10 -----HIST--------- -------------* LOAN HISTORY *--------------------------(MORE) PROC-DT DUE-DT TAN TRAN-DESCRIPTION TRAN-EFFECTIVE-DATE TRAM-AMT PRI CIPAL INTEREST ESCROW AMOUNT/CD/DESCRIPTION 01-13-10 00-00 6 2 STATUTORY EXPENSES 6.80 0.00 0.00 0.00 6.80 3RD REC CORP ADV 01-02-10 05-09 1 8 REPAY OF ESCROW ADVANCE 0.00 0.00 0.00 307.09- 307.09 ~,~~~, ~ _ .. ..- -.- t. ~~~ . ~~~ ~ 71,73 -~2. ~ ~ '0 9 0.5 ~"'" 'S~1T ;2~' .~.0.'~0~ .00. 12-22-09 05-09 1 1 ESCROW ADVANCE 727.00 0.00 0.00 3Q7,.,~9 ...2:,.22.x.4, 1,9~7.b4 ; 0,,0,0 2,932.2.8 ~~ - ~., 727.00 ---* PF2 FOR ADDL ESSAGES *--------------------------------------------------- ACTIVE FORECLOSURE REMOVED LOSS MITIGATION LOSS MIT IND Y D NIED LOSS MZT LOAN I3 IN FORECLO URE, F/C STQQ~,~..3~;:: NO NOTICES ~ C .f~~ ~,: Printed ~y: w251002 on 8118/201012:¢9:06 PM Page 1 of 1 3270 Explorer JPMORGAN CHASE - 465 Loan Number. ~' 9orrower Name: WOODS.BARBARA E SERI CUSTOMEK S~atV1CE YNV 580/001 05/15/10 12:08:47 BARBARA E WOODS 202-38-3388 OC TYPE CONV. RES. MAN P OOQ-00-0000 IR 6.00000 BR 00 717-386-3956 .. 9 KIMBERLY LN CARLISLL'131~'17015 1 999-999-9999 _ < 4076 298 GE PF MFDCK'DOWNLOAD PRE-FORECLOSURE STAT >: 09/17/10 -----HIST---------- -----------* LOAN HISTORY *--------------------------(MORE) PROC-DT DUE-DT T N TRAM-DESCRIPTION IRAN-EFFECTIVE--DATE TRAN-AMT PRIN IPAL INTEREST ESCROW AMOUNT/CD/DESCRIPTION 12-22-09 01-10 35 HOMEOWNERS INSURANCE 727.00- 0.00 0.00 727.00- PAYEE 6P749 2,299.73- 12-16-09 OS-09 15 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 0.00 95.93-1 LATE CHARGE 11-25-09 04-09 16 REPAY OF ESCROW ADVANCE 0.00 0.00 0.00 307.09- 307.09 ~~,'~ ~" 0~4 17 PAYMEI+TT '" .. «~~9;.___28~ i ....:-_. 3 1 ~,Y:~:~x~.0~~,....:.a: 307a,F09 206:.:.6~,.`~ 9 .~- . ~"-:~8.:-. •: :: ., ;; 1.F 567,. 7.3 :,~'' 11-16-09 04-09 15 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 0.00 95.93-1 LATE CHARGE ---* PF2 FOR ADDL M SSAGES *-------^----------------------------------- AGTIVE FORECLOSURE REMOVED LOSS MITIGATION LOSS MIT IND Y DE IED LOSS MIT LOAN IS IN FORECLOS RE, F/C STOP = 3 NO NOTICES C .~. . . , °. ~<. ' .. ;s. Prirrtecl®y: VY251002 on 6116/201012:08:12 PM Page 1 ~ 1 " 3270 Explorer JPMORGAN CHASE - 465 Loan Number.~~ Borrower Name: WOODS,BARBARA E SERI CUSTOMER SERVICE INV 580/001 06/15 10 12:08:47 BARBARA E WOODS 202-38-3388 OC TYPE CONV. RES. MAN P 000-00-0000 IR 6.00000 BR 00 717-386-3956 9 KIMBERLY LN CARLISLE PA 17015 1 999-999-9999 _ < 407 9298 GE PF MFDCK DOWNLOAD PRE-FORECLOSURE STAT >: 04/].7/10 ----WHIST--------- ------------* LOAN HISTORY *--------------------------(MORE} PROC-DT DUE-DT T N TRAN-DESCRIPTION TRAN-EFFECTIVE-DATE TRAM-AMT PRI CIPAL INTEREST ESCROW AMOUNT/CD/DESCRIPTION 11-12-09 00-00 6 2 STATUTORY EXPENSES 0.85 0.00 0.00 0.00 0.85 NON REC CORP ADV 11-09-09 03-09 1 8 REPAY OF ESCROW ADVANCE 0.00 0.00 0.00 307.09- 307.09 ~,l-r0~ p~ Q3 09 :1 ~ ;PAYMENT ~~'~' ~`~ 'T"`*;~'3'~1:`8 307.09 206.63 10-26-09 00 0 ~ 6 2 STATUTORY EXPENSES 9.25 0.00 0.00 0.00 4.25 3RD REC CORP ADV 10-16-09 03-09 1 2 LATE CHARGE ASSESSMENT 0.00 0.00 0.00 0.00 95.93-1 LATE CHARGE ---* PF2 FOR ADDL ESSAGES *------- -------------------------------------------- ACTIVE FORECLOSURE REMOVED LOSS MITIGATION ._ LOSS MIT IND Y D IED LOSS MTT,"y .~;;=.~i LOAN IS IN FORECLO RE, F/C STOP ~,;3~ NO NOTICES C Printed ®y: W251002 on 8/18/201012:89:18 PNI Page ~ of 1 ~;. . 3270 Explorer JPMORGAN CHASE -465 Loan Number. ~ Borrower Name: WOODS,BARBARA E SERI CUSTOMER SERVICE INV 5B0/UU1 06/15/10 12:08:97 BARBARA E WOODS 202-38-3388 OC TYPE CONV. RES. MAN P 000-00-0000 IR 6.00000 BR DO 717-386-3456 9 KIMBERLY LN CARLISLE PA 17015 1 999-999-9999 _ < 90769298 GE PF MFDCK DOWNLOAD PRE-FORECLOSURE STAT >: 09/17/10 ----~HIST---------- -----------* LOAN HISTORY *--------------------------(MORE) PROC-DT DUE-DT T TRAN-DESCRIPTION TRAN-EFFECTIVE-DATE TRAN-AMT PRIN IPAL INTEREST ESCROW AMOUNT/CD/DESCRIPTION 09-30-09 00-00 63 MISC FORECLOSURE AND BANKRUPTCY EXPENSES 19.00 0.00 0.00 0.00 14.00 3RD REC CORP ADV 09-29-09 02-09 16 REPAY OF ESCROW ADVANCE .0.00 0.00 0.00 307.09- 307.09 viii ~;n is"-no_, - n~-ne:. ~~.~~ ~ nnvur-7m 2,:932 `,28-: 3~, :.8.~.._. ,,,~7,, 55~,'fi°1" 307 09 206.63 .~ 3~Q,3 7; 2:6 2,181 91~" ~' 09-16-09 02-09 15 LATE CHARGE ASSESSMENT 0.00 0.00 ,0.00.,. 0.00 95.93-1 LATE CHARGE 09-08-09 00-00 74 CORPORATE~•ADVA1dCE ADJUSTMENT 19.00- 0.00 ~0.49~• 0.00 14.00- 3RD REC CORP ADV ---* PF2 FOR ADDL ACTIVE FORECLOSURE LOSS MIT IND Y D LOAN IS IN FORECLO M SSAGES *---------------------------------------.._---------- REMOVED LOSS MITIGATION IED LOSS MIT RE, F/C STOP = 3 "• ~;;; • ,~~ . NO NOTICES s C Printed By: w2b1oo2 on BH8/2010 72:0:19 PM Pape 1 of 1 3270 Explorer JPMOROAN CHASE - 465 Loan Number.~~ Borrower Name: WOODS,BARBARA E 3ER1 CUSTOMER SERVICE INV 580/001 06/15/10 12:08:97 BARBARA E WOODS 202-38-3388 OC TYPE CONV. RES. MAN P 000-00-0000 IR 6.00000 BR 00 717-386-3956 9 KIMBERLY LN CARLISLE PA 17015 1 999-999-9999 _ < 907 9298 GE PF MFDCK DOWNLOAD PRE-FORECLOSURE STAT >: 09/17/10 -----HIST--------- ------------* LOAN HISTORY *--------------------------(MORE PROC-DT DUE-DT T N TRAN-DESCRIPTION TRAN-EFFECTIVE-DATE TRAN-AMT PRI IPAL INTEREST ESCROW AMOUNT/CD/DESCRIPTION 09-08-09 00-00 795 CORPORATE ADVANCE ADJUSTMENT 19.00 0.00 0.00 0.00 19.00 3RD REC CORP ADV 08-31-09 00-00 633 MISC FORECLOSURE AND BANKRUPTCY EXPENSES 14.00 0.00 ~ 0:00 '~~'~ 0.00 19 .00 3RD REC CORP ADV 08-17 -09 02-09 152 LATE CHARGE"ASSESSMENT 0.00 0.00 0.00 0.00 95.93-1 LATE CHARGE 08-14-09 02-09 1 1 ESCROW ADVANCE 2,489.00 0.00 0.00 2,489.00 0$-19-09 08-09 311 SCHOOL TAX 3,020.93- 0..00 0.00 3,020.43- PAYEE = 370416004 2,489.00- ---* PF2 FOR ADDL SSAGES *---------------------------------- ACTIVE FORECLOSURE REMOVED LOSS MITIGATION LOSS MIT IND c Y DE IED LOSS MIT LOAN I3 IN FORECLO RE, F/C STOP s 3 NO NOTICES = C ._:f ... . ~J . '~ ~. Printed By: W251002. on 8/16/20'1012: :23 PM Page 1 of 1 ,:~,,.. ~~... .r 3270 Explorer JPMORGAN CHASE -465 Loan Numbery~~ 3ER1 BARBARA E WOODS 9 KIMBERLY LN _ < 4076 ----~HIST---------- PROC-DT DUE-DT TFL TRAN-AMT PRINT OS-05-09 00-00 74 19.00- 08-05-09 00-00 79 19.00 07-09-09 00-00 63. 19.00 07-03-09 00-00 79 19.00 07-03-09 07-09 31. 615.65- ---* PF2 FOR ADDL M1 ACTIVE FORECLOSURE LOSS MIT IND Y DEl LOAN I3 IN FORECLOSI Borrower Name: WOODS,BARBARA E CUSTOMER SERVICE INV 580/001 06/15/10 12:08:97 202-38-3388 OC TYPE CONY. RES. MAN P 000-00-0000 IR 6.00000 BR 00 717-386-3956 CARLISLE PA 17015 1 999-999-9999 298 GE PF MFDCK DOWNLOAD PRE-FORECLOSURE STAT >: 09/17/10 -----------* LOAN HISTORY *--------------------------(MORE) N IRAN-DESCRIPTION TRAM-EFFECTIVE-DATE IPAL INTEREST ESCROW AMOUNT/CD/DESCRIPTION CORPORATE ADVANCE ADJUSTMENT 0.00 0.00 0.00 14.00- 3RD REC CORP ADV CORPORATE ADVANCE ADJUSTMENT 0.00 0.00 0.00 14.00 3RD REC CORP ADV MISC E'ORECLOSURE AND BANKRUPTCY EXPENSES 0.00 0.00 0.00 19.00 3RD REC CORD ADV J• CORPORATE°ADVAN~E ADJUSTMENT 0.00 0•:06 =~• 0.00 19.00 MTGR REC CORP RDV BA COUNTY TRX '`. • 0.00 0.00 615.65- 531.93 SAGES *---------------------------------------------------- REMOVED LOSS MITIGATION ED LOSS MIT E, F/C STOP = 3 NO NOTICES = C _ ~ ::r``' [: t; . , - - -- Printed By: VN261002 on 6/18/2010 12: :28 PM Page 1 of 1 3270 Explorer JPMORGAN CHASE - 465 Loan Number~~w Borrower Name: WOODS,BARBARA E SER1 CUSTOMER SERVICE INV 580/001 06/15/10 12:08:47 BARBARA E WOODS 202-38-3388 OC TYPE CONV. RES. MAN P 000-00-0000 1R 6.00000 BR 00 717-386-3456 9 KIMBERLY LN CARLISLE PA 17015 1 999-999-9999 _ < 90764298 GE PF MFDCK DOWNLOAD PRE-FORECLOSURE STAT >: 04/17/10 -----HIST----------- ------* END OF LOAN HISTORY *----------------------(MORE) PROC-DT DUE-DT T TRAN-DESCRIPTION TRAN-EFFECTIVE-DATE TRAN-AMT PRIN PAL INTEREST. ESCROW AMOUNT/CD/DESCRIPTION •- 07-03-09 07-09 170 •~ _~. 8,790.04 1,941.33 6,232.91.. 1,065.60 310,74 .11 1,147.08 ---* PF2 FOR ADDL SSAGES *---------------------------------------- ACTIVE FORECLOSURE REMOVED LOSS MITIGATION LOSS MIT IND - Y DE IED LOSS MIT LOAN IS IN FORECLOS E, F/C STOP = 3 NO NOTICES = C {11. • Pr(nted By: W251002 on 6/18/201012:0:30 Rut •~ ~ - Page 1 of 1 3270 Explorer JPMORGAN CHASE - 465 Loan Number. Borrower Name: WOODS,BARBARA E HISC TRAN CODE PREVIOUS SERVICER HISTORY 06 15 10 LOAN: ~ INV LOAN: 455938075 PART SEQ: _ NAME: BE WOODS SEQ TRAN DESCR PTION BATCH SOURCE PST DT EFF DT DUE T TOT TRN PRINCIPAL INTEREST ESCROW SU3P LATE MI SC AM PRINCIPAL ESCROW SUSPENSE PAYEE SUBSIDY 0001 GLTC *GENR LT CHRG* 00000 061609 061609 0101 9 95.93 .00 .00 .00 95.93 .0 310742.11 531.93 865.11 0000000 .00 0001 1003 DEL I SP ASSESS 00598 TPP 060909 060909 0101 9 14.00 .00 .00 .00 .00 14.0 310742.11 531.43 865.11 0000000 .00 0001 GLTC *GENR LT CHRG* 00000 051609 051609 0101 9 95.93__. ........ .00 .00 .00 95.93 .0 310792.11 531.43 865.11 0000000 .00 ' 0004 GLTC *GENR LT CHRG* 00000 050109 050109 0101 9 95.93 .00 .00 .00 95.93 .0 310742.11 531.43 865.11 0000000 .00 0003 GSTP *GEN TP ACR* 00000 050109 050109 0101 9 6203.83 .00 .00 .00 .00 .0 310742.11 531.93 865.11 0000000 .00 OPTIONS: (PF7) (PF8) FORWARD (PF9) FIRST SCREEN (CLEAR) EXIT Printed By: Vv251oo2 on 6h6J201012~8:38 PM Page 1 of 1 374 Explorer JPMORGAN CHASE -- 465 Loan Number~~ Borrower Name: WOODS,BARBARA E HI3C T N CODE PREVi0U5 SE~KVIGY:K rils'1'VKI moo/ aa/ 1' LOAN: ~ INV LOAN: 455938075 PART SEQ: _ NAME:. BE WOODS SEQ TRAN DESCRI TION BATCH SOURCE PST DT EFF DT DUE D TOT TRN PRINCIPAL INTEREST ESCROW SUSP LATE MISC AMT PRINCIPAL ESCROW SUSPENSE PAYEE SUBSIDY 0002 GINT *GEN I T ADJ* 00000 050109 050109 01010 6203.83 .00 6203.83 .00 .00 .00 .00 310742.11 531.43 865.11 0000000 .00 0001 GESD *GEN E C DISB* GESD TCO1 00000 041509 091509 01010 615.65 .00 615.65 .00 .00 .00 320742.11 531.93 865.11 94952 .00 0001 GLTC *GENR T CHRG* 00000 040109 040109 01010 95.93 .00 .00 .00 95.93 .00 310792.11 1147.08 865.11 0000000 .00 0003 0902 UNAP A J DR 06096 CJS 030509 030909 01010 2225..65 .00 .00 2225.65 .00 .00 310742.1], - 1147.08 865.11 0000000 .00 0002 0911 HAD RE ECT . ~~.7~ r,• .; -~ 05701 CJS 030509 030409 01010 3001.89 .00 - .00 3001.84 .00 .00 310742.11' - 1147.08 3090.76 0000000 .00 OPTIONS: (PF7) D (PF8) FORWARD (PF9) FIRST SCREEN (CLEAR) EXIT r ".'; 7~~ r PrEnted ®y: W261002 on 6/161201012:9:38 PAA Page 1 of 1 3270 Explorer ,1PMORC3AN CHASE - 465 Loan Numbet~~ Borrower Name: WOODS,BARBARA E RAN CODE PREVIOUS SERVICER HISTORY 06/15/10 HISC T LOAN; ,~,~,.: ~ ; . INV LOAN: ~'1g$'S;938075 PART SEQ: _ NAME: BE ii00DS ` SEQ TRAN DESCRI TION BATCH SOURCE PST DT EFF DT DUE D TOT TRN PRINCIPAL I NTEREST ESCROW SUSP LATE MISC AMT PRINCIPAL ESCROW SUSPENSE PAYEE SUBSIDY i~A~D -~~ 06096 CJS :3.'03 90 01~,;~a 2225 65:. ~:. 363.03 1555.53 307.09 .00 z~0 ~ ' `.'00 ~+ 310742.11..E ` . 11.97 .08 88.92 0000000 .00 0002 GLTC *GENR T CHRG* 00000 021709 021709 12010 95.93 .00 .00 .00 95.93 .00 311105.19 839.99 88.92 0000000 .00 0001 0763 LT CHG REV 00598 TPP 021709 021409 12010 95.93 .00 .00 .00 95.93 .00 311105.14 839.99 88.92 0000000 .00 0001 GLTC *GENR T CHRG* 00000 021909 021409 12010 95.93 .00 .00 .00 95.93 .00 311105.19 839.99 88.92 0000000 .00 0009 0902 UNAP A J DR 06085 CJS 020209 013109 12010 9951.30 .00 .00 9951.30 .00 .00 311105.19 839.'99 88.92 0000000 .00 OPTIONS: (PF7) BAC ARD (PF8)~~ji~'ARD '(PF9) FIRST SCREEN (CLEAR) EXIT y .' F - i :~t.-a:5.. Printed 8Y: VY2S100~2 on 6/18/2010 12:b9:43 PM Page 1 of 1 3270 Explorer JPMORGAN CHASE - 465 loan Number. ~ Borrower Name: WOODS,BARBARA E HISC TRAN CODE PREVIOUS SERVICER HISTORY LOAN:~~ INV LOAN: 955938075 PART SEQ: _ NAME: B~ WOODS SEQ TRAN DESCR PTION BATCH SOURCE PST DT EFF DT DUE T TOT TRN PRINCIPAL INTEREST ESCROW LATE MISC AM PRINCIPAL. ... ESCROW SUSPENSE PAYEE 0003 0911 HAD R JECT ~ ~ •; ~ • 05701 CJS 020209 013109 1201 8 3001.89'' .00 .00 .00 .0 311105.19 839.99 9540.22 0000000 ~ :.. - U ~~1? :~ 0 6 08 5 CJS ,,~,,. . 9 Q,~„~~0 1201 .~.~ 8 _ _. ,,,,222~..<.6,~ ,,,;~;~ 361.23 1557.33 307.09 • `.00 ': ;,:..:.,Q ,~..~105.19 ' •839.99 1538.38 06085 0000000 CJS 0001 .:.0022 E.~;.-~ ~ ~ y _ ~: 359,43 1559.13 307.09 ~ ~ . ~,0 ~ ,,. 3119'6.6:3 532.90 1538.38 0000000 ~;. ~ r 0007 GEAR *GEN S OD A/R* 00000 011609 011609 1001 8 81.28- .00 81.28- .00 .0 .00 .00 0000000 0006 GLTC *GENR LT CHRG* 00000 011609 011609 1001 8 95.93 .00 .00 95.93 .0 311825.80 225.81 1538.38 0000000 OPTIONS: (PF7) SUSP SUBSIDY 3001.84 .00 .00 .00 .00 .00 .00 .00 .00 .00 (PF8) FORWARD {PF9) FIRST SCREEN (CLEAR) EXIT ":~"• Printed By: W251002 on 8/18/20101 PhA P~e1of1 3270 Explorer JP.MORGAN CHASE - 465 Loan Numbe ~. Borrower Name: WOODS,BARBARA E HISC TRAM CODE PREVIOUS SERVICER HISTORY voiioili LOAN:~~ INV LOAN: 455938075 PART SEQ: _ NAME: BE WOODS SEQ TRAN DESCRI TION BATCH SOURCE PST DT EFF DT DUE D TOT TRN PRINCIPAL INTEREST ESCROW SUSP LATE MISC AMT PRINCIPAL ESCROW SUSPENSE PAYEE SUBSIDY 0005 GSTP *GEN S P ACR* 00000 011609 Oi1609 10010 7009.79 .00 .00 .00 .00 .00 311825.80 225.81 1538.38 0000000 .00 0009 GINT *GEN I T ADJ* 00000 011609 011609 10010 7009.79 .00 7009.79 .00 .00 .00 .00 311825.80 225.81 1538.38 0000000 .00 0002 0902 UNAP A J DR 06080 CJS 011609 011909 10010 2225.65 .00 .00 2225.65 .00 .00 311825.80 225.81 1538.36 0000000 .00 0001 0022 HAD UA 06080 CJS f~?Q~;; ~14`4:~ 1~1~J '2229..65 ` : 31.64 1560.92 Y- % ' 307.09 .00 F, "'""~ x c / ~ < a~.w4~+ +c.+rRffsasSSWMSv %i ,4 `° 31182~R 80 '- 225.83' 3764.03 0000000 .00 0001 0911 HAD RE ECT 05701 CJS 011509 011909 09010 3001.84 .00 .00 3001.89 .00 .00 312183.9'4ML''"AN•~' 81.26- 3769.03 0000000 .00 OPTIONS: (PF7) BAC ARD {pF8) FORWARD (PF9) FIRST SCREEN (CLEAR) EXIT sL+i, ?r;•~rj •, Printed ®y: w251002 on 8M8/201012: .54 PM Page 1 of 1 3270 Explorer JPMORGAN CHASE - 465 Loan Number:~~ Borrower Name: WOODS.BARBARA E RISC TRAM CODE PREVIOUS SERVICER HISTORY 06 15 10 LOAN: INV LOAN: 455938075 PART SEQ: _ NAME : ~ :,tir'~.. SEQ TRAM DESCRI T ION ~ BATCH SOURCE PST DT EFF DT DUE TOT TRN .PRINCIPAL INTEREST ESCROW SUSP LATE MISC AMT PRINCIPAL ESCROW SUSPENSE PAYEE SUBSIDY 0009 GLTC *GENR T CHRG* 00000 010209 010209 09010 8 95.93 .00 .00 .00 95.93 .00 312183.99 81.28- 762.19 0000000 .00 0003 GSTP *GEN S P ACR* 00000 010209 010209 09010 8 6289.67 .00 .00 .00 .00 .00 312183.94 81.28- 762.19 0000000 .00 0002 GINT *GEN I T ADJ* 00000 010209 010209 09010 6 6289.67 .00 6284.6? .00 .00 .00 .00 312183.49 81.28- 762.19 0000000 .00 0002 GEAD *GEN S OD A/R* 00000 122908 122908 09010 8 81.28 .00 81.28 .00 .00 .00 .00 .00 0000000 .00 0001 GESD *GEN C DISB* GESD HI01 00000 122908 122908 09010 8 633.00 .00 633.00 .00 .00 .00 312163.44' 81.28- 762.19 81261 .00 OPTIONS: (PF7) (PF8) FORWARD (PF9) FIRST SCREEN (CLEAR) EXIT Printed ey: W2b1002 wi 6/16/201012:~8:b8 PM Page 1 of 1 3270 Explorer JPMORGAN CHASE - 465 Loan Number~~ Borrower Name: WOODS,BARBARA E HISC TRAN CODE PREVIOUS 3ERVICER HISTORY Ub/1~/li LOAN:~~ INV LOAN: 955938075 PART SEQ: NAME: WOODS SEQ TRAN DESCRI TION BATCH SOURCE PST DT EFF DT DUE D TOT TRN PRINCIPAL INTEREST ESCROW SUSP LATE MISC AMT PRINCIPAL ESCROW SUSPENSE PAYEE SUBSIDY 0001 GLTC *GENR T CHRG* 00000 120108 120108 09010 95.93 .40 .00 .00 95.93 .00 312183.49. 551.72 762.19 0000000 .00 000? GEAD *GEN E OD A/R* ~ ~ ~ 00000 111308 111308 09010 62.46- .00 62.96- .00 .00 .00 .00 .00 0000000 .00 0006 GSTP *GEN S P ACR* 00000 111308 111308 09010 6870.13 .00 .00 .00 .00 .00 312183.99 551.72 762.19 0000000 .00 0005 LINT *GEN I T ADJ* 00000 111308 111308 09010 68?0.13 .00 6870.13 .00 .00 .00 .00 312183.99 551.72 762.19 0000000 .00 0003 0901 UNAP D CASH 07014 UIG 111308 111208 09010 1449.96 .00 .00 1449.46 .00 .00 312183.44 551.72 762.19 0000000 .00 OPTIONS: (PF7) (PF8) FORWARD (PF9) FIRST SCREEN (CLEAR) EXIT _- - - --- Printed 6y:VY251002 on 6116/201012: 0:02 PM Page i of 1 - i 3270 Explorer JPMORGAN CHASE - 485 Loan Number:~~ Borrower Name: WOODS,BARBARA E ~• HISC TRAN CODE PREVIOUS SERVICER HISTORY 06/15/10 LOAN: INV LOAN: 455938075 PART SEQ: _ NAME: BE WOODS SEQ IRAN DESCRI TION BATCH SOURCE ~. PST DT EFF DT DUE D TOT TRN PRINCIPAL INTEREST ESCROW SUSP LATE MISC AMT PRINCIPAL ESCROW SUSPENSE PAYEE SUBSIDY „fl.0-0~-:--0021 •~- FORGE -M.T•.:~L;ASH:. ~ ~~~ 07019 UIG l~ AS A9b1Q ~ 355.86 1562.70 307.09 .00 ~~ • ' ~;,~„~,,'~ y'~ ~:~551.72 2211.65 0000000 .00 O;Q~ 1 ;; _' .$ ~;,;~ 0 7 019 UIG . $".'l,~i„~,0.~ 0.8fl3~1 2225.::.65. ,...:,.~` .354.09 1569.97 307.09 .00 _ b,.. ,., ;00. ' <31.2539 30' _ 9.63 2211.65 0000000 .00 i 0003 GSTP *GEN S P ACR* 00000 110308 110308 07010 6351.02 .00 .00 .00 .00 .00 312893.39 62.46- 2211.65 0000000 .00 0002 GINT *GEN I T ADJ'* -•- ~ •--•-••-•-•••• 00000 • 110308 110308 07010 6351.02. .00 6351.02 .00 .00 .00 .00 312893.39 '~ 62.46- 2211.65 0000000 .00 • 0003 GLTC *GENR T CHRG* 00000 101608 101608 07010 95.93 .00 .00 .00 95.93 .00 312893.39 62.96- 2211.65 0000000 .00 OPTIONS: (PF7) BAC WARD (PF8) FORWARD (PF9) FIRST SCREEN (CLEAR) EXIT Printed Ply: W251002 on 8N8/201012:1p:06 PM F~age 1 of 1 . .x,. Loan Number: 3270 Explorer JPMORGAN CHASE - 465 ~• Borrower Name: WOODS,BARBARA E Ai.71. lA{ilR HVNL rtcr.v lVU.7 .lricY ll.c.n n1J1 V[ci vo/ i~/ 1 LOAN: INV LOAN: 455938075 PART SEQ: NAME: $E WOODS SEQ TRAN DESCRI TION PST DT EFF DT DUE D TOT TRN LATE MISC AMT PRINCIPAL 0002 3851 FEE 3 OLL CASH 101608 101408 07010 19.00 .00 14.00 312893.39 0001 0911 UNAP C CASH 101608 101908 07010 2211.65 .00 .00 312893.39 0001 1003 DEL IN P ASSESS 092508 092508 07010 19.00 .00 14.00 312893.39 0001 GLTC *GENR T CHRG* 091608 091608 07010 95.93 95.93 .00 312893.39 0002 GEAD *GEN E OD A/R* 062208 082208 07010 62.46 .00 .00 OPTIONS: (PF7) BATCH SOURCE PRINCIPAL INTEREST ESCROW 3USP ESCROW SUSPENSE PAYEE SUBSIDY 06385 KON .00 .00 .00 62.46- 2211.65 0000000 .00 06385 KON .00 .00 2211.65 62.96- 2211.65 0000000 .00 00598 TPP .00 .00 .00 62.46- .00 0000000 .00 00000 .00 .QO .00 62.46- .00 0000000 .00 00000 .00 62.46 .00 .00 .00 0000000 .00 S~u ~U`c.i1~?.. (PR8 } '' ~'&}RWARD~ ~( PF9 } FIRST SCREEN (CLEAR) EXIT Pri~tted ~: W251002 on 6118/201012:1p:09 PM Pie 1 p~ ~ 3270 Explorer JAMORGAN CHASE - 465 Loan Number. Borrower Name: WOODS,BARBARA E RISC TRAN CODE PREVIOUS SERVICER HISTORY 06 15 10 LOAN: ~~ INV LOAN: 455938075 PART SEQ: - NAME: SEQ TRAN DESCRI TION BATCH 50URCE PST DT EFF DT DUE D TOT TRN PRINCIPAL INTEREST ESCROW SUSP LATE MISC AMT PRINCIPAL ESCROW SUSPENSE PAYEE SUBSIDY -• 0001 GESD *GEN E C DI38* :•~' ~GESD~ SCO1 00000 082208 082208 07010 2903 ~.35 ':•="~'~' ' . 00 2903.35 .00 .00 .00 312893.39 62.96- .00 94986 .00 0001 GLTC *GENR T CHRG* 00000 081608 081608 07010 95.93 .00 .00 .00 95.93 .00 312893.39 2890.89 .00 0000000 .00 , 00598 TPP 89 3: ~ ~ 352.33 1566.23 307.09 .00 _ 95.93 t `_- 2890.89 .00 0000000 .00 0002 9009 FP•FEE PMT 00598 TPP 073108 073108 06010 20.00 .00 .40 .00 .00 20.00 313245.72 2533.80 .00 0000000 .00 0001 4003 FP FEE 00598 TPP 073108 073108 06010 20.00 .00 .00 .00 .00 20.00 313245.72 2533.80 .00 0000000 .00 OPTIONS: (PF7) D (PF8) FORWARD (PF9) FIRST SCREEN (CLEAR) EXIT Prints d 8y: W251002 on 8N 6/201012:0:13 PM Page 1 of 1 VERIFICATION Joseph P. that he is authorized to for Summary Judgment and belief. The of 18 Pa.C.S. §4904 Date Esquire, hereby states that he is the attorney for Plaintiff in this action, ;this verification, and that the statements made in the foregoing Motion Brief are true and correct to the best of his knowledge, information, understands that this statement herein is made subject to the penalties to unsworn falsification to authorities. Schalk, Esquire for Plaintiff PHELAN HALLINAN BY: JOSEPH P. SCHA Identification No. 91656 126 Locust Street Harrisburg, PA 17101 (215) 563-7000 SCHMIEG, LLP ~ ESQUIRE Chase Home Finance I 3415 Vision Drive Columbus, OH 43219 Plaintiff vs. Barbara E. Woods 9 Kimberly Lane Carlisle, PA 17015 Attorney for Plaintiff Court of Common Pleas Civil Division Cumberland County No.10-2850-Civil CERTIFICATION OF SERVICE I hereby certify t Brief in Support thereof, the date listed below: Barbara E. Woods, Pro 9 Kimberly Lane Carlisle, PA 17015 Date: true and correct copies of Plaintiffs Motion for Summary Judgment, l Praecipe for Argument were sent via first class mail to the person on By: IN THE COU Chase Home Finance L 3415 Vision Drive Columbus, OH 43219 Plaintiff vs. Barbara E. Woods 9 Kimberly Lane Carlisle, PA 17015 OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Court of Common Pleas Civil Division Cumberland County No.10-2850-Civil ORDER AND NOW, this day of , 2010 upon consideration of Plaintiffs Motion for S ary Judgment and Brief in Support thereof, and upon consideration of the Response, if any, filed by Defendant, the Court determines that Plaintiff is entitled to Summary Judgment as a matter of la ,and it is hereby: ORDERED and ECREED that an in rem judgment is entered in favor of Plaintiff and against Defendant, Barb E. Woods, for $328,717.98 plus interest from April 17, 2010 at the rate of $50.78 per diem and o er costs and charges collectible under the mortgage, for foreclosure and sale of the mortgaged prop BY THE COURT: J. Must be typewritten and submitted in duplicate) TO TH PROTHONOTARY OF CUMBERLAND COUNTY: ~~e„ a 1• ~ CafA~ ist a v~ntlun matter for the next Argument Court. ~ Q Chase Home Finance Ll 3415 Vision Drive Columbus, OH 43219 Plaintiff vs. Barbara E. Woods 9 Kimberly Lane Carlisle, PA 17015 ~. ~~ ~ 1 ' 1--= .'t "n t"~.~ ~ Court of Common Plus ~ ~ .~~' ~._ - .~ - - Civil Division '' e ; ~~'_= r :3 ,-~ ~_ ~! Cumberland County -' ""` No.10-2850-Civil 1. State matter to be azgued (i.e., plaintiffls motion for new trial, defendant's demurrer to complaint, etc.): Plaintiffls Motion for Summary Jud ent 2. Identify counsel ho will azgue case: (a) A orney for Plaintiff Address: Joseph P. Schalk, Esquire 126 Locust Street Harrisburg, PA 17101 (b) A orney for Defendant Address: Bazbaza E. Woods, Pro Se 9 Kimberly Lane Cazlisle, PA 17015 3. I will notify all p ies in writing within two days that this case has been listed for azgument. 4. Argument Court ate: August 18, 2010 Date: -j ~ 13 ~ to ~ By: . Schalk, Esquire for Plaintiff '.` 'P.^ '-'2"'!70^ c''. tC?,"''!0b?, LLP 1617 IFF: Boulevard, Suite 1400 One Fenn Center Plaza Philadelphia., PA 1910 215-563-7000 Attorney For Plaintiff c°o C , c? o -- C:) rT CHASE HOME FINANCE LLC Plaintiff Vs Court of Common Pleas ?o Civil Division =C'? Cumberland County r- BARBARA E. WOODS Defendant(s) : I No. 10-2850 CIVIL PRAECIPE TO MARK JUDGMENT TO USE PLAINTIFF ENTRY OF APPEARANCE TO THE PROTHONOTARY: Please mark the judgment in the above-captioned matter to the use of JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, S/B/M to CHASE HOME FINANCE LLC located at 10790 Rancho Bernardo Road, San Diego, CA 92127. Date: HE L NAN & SCHMIEG, LLP By: Lawrence T. Phelan, Esq., Id. No. 2227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 Allison F. Wells, Esq., Id. No. 309519 William E. Miller, Esq., Id. No. 308951 Melissa J. Scheiner, Esq., Id. No. 308912 Attorneys for Plaintiff PHS # 237536 ENTRY OF APPEARANCE TO THE PROTHONOTARY: Kindly enter my appearance on behalf of JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, S/B/M to CHASE HOME FINANCE LLC. Date: PHE AN LLINAN & SCHMIEG, LLP By )?P Lawrence T. Phelan, q., Id. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 Allison F. Wells, Esq., Id. No. 309519 William E. Miller, Esq., Id. No. 308951 Melissa J. Scheiner, Esq., Id. No. 308912---- Attorneys for Plaintiff PHS # 237536 PHELAN HALLINAN & SCHMIEG, LLP One Penn Center at Suburban Station 1617 John F. Kennedy Boulevard, Suite 1400 Philadelphia, PA 19103-1814 215 563-7000 CHASE HOME FINANCE LLC Plaintiff Vs BARBARA E. WOODS Defendant(s) ATTORNEY FOR PLAINTIFF Court of Common Pleas Civil Division Cumberland County No. 10-2850 CIVIL CERTIFICATION OF SERVICE I hereby certify true and correct copies of the foregoing Plaintiff s Praecipe to mark judgment to JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SIB/M to CHASE HOME FINANCE LLC and substitution of party plaintiff was served by regular mail to the person(s) on the date listed below: BARBARA E. WOODS 9 KIMBERLY LANE CARLISLE, PA 17015-9197 Date: PHS # 237536 BY: CW L Lawrence T. Phelan, Esq., d. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 Allison F. Wells, Esq., Id. No. 309519 William E. Miller, Esq., Id. No. 308951 Melissa J. Scheiner, Esq., Id. No. 308912--" Attorney for Plaintiff Phelan Hallinan & Schmieg, LLP 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 CHASE HOME FINANCE LLC Plaintiff Vs BARBARA E. WOODS Defendant(s) Attorney For Plaintiff r. ? . Court of Common Pleas Mm z ,;o Civil Division r r? ' Cumberland County =o ' ,?..; No. 10-2850 CIVIL v= v -L PRAECIPE FOR VOLUNTARY SUBSTITUTION OF PARTY PLAINTIFF PURSUANT TO Pa.R.C.P. 2352 TO THE PROTHONOTARY: Kindly substitute JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, S/B/M to CHASE HOME FINANCE LLC as successor Plaintiff for the originally named Plaintiff. The material facts on which the right of succession and substitution are based as follows: JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SB/M TO CHASE HOME FINANCE LLC the current Plaintiff in the foreclosure action by virtue of a corporate merger, whereby CHASE HOME FINANCE LLC is now JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, S/B/M TO CHASE HOME FINANCE LLC Kindly amend the information on the docket accordingly. Date: HA AN & SCHMIEG, LLP A By: LLawrenc T. Phelan, Esq., o. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua 1. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 Allison F. Wells, Esq., Id. No. 309519 William E. Miller, Esq., Id. No. 308951 Melissa J. Scheiner, Esq., Id. No. 3089' PHS # 237536 Attorneys for Plaintiff Q 6t} .4 g, co (Pd a ?? j(puSr1 g PRAECIPE FOR WRIT OF EXECUTION-(MORTGAGE FORECLOSURE) P.R.C.P.3180-3183 JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SB/M TO COURT OF COMMON PLEAS CHASE HOME FINANCE, LLC Plaintiff CIVIL DIVISION v BARBARA E. WOODS Defendant(s) NO.: 10-2850 CIVIL CUMBERLAND COUNTY To the Prothonotary: Issue writ of execution in the above matter: Amount Due Interest from 04/17/2010 to Date of Sale ($50.78 per diem) TOTAL o ..n $328,717.98 p ?a $44,330.94 Q-? $373,048.92 • L an Hallinan & Schmieg, LLP v ohn Michael Kolesnik, Esq., Id. No.308877 Attorney for Plaintiff . Note: Please attach description of property. PHS # 237536 s 8 5? PO A`rTy tS.yb CRF ga. 00 8.00 a. 60 84.40 - -Pb ATN *a.as N& 0"' 5o U.. oil Ily?(0o arc, MBA Rta)6+4 P V a a w V z z w w 0 x w x U O z 0 F U O Q z ? wd a 0 w? o az ? oa z x ?H d O P Q1 WOu d H z U ? z •? O W W a ?'" tea- U ? > 0 H U W w ? O A 3 C O W ? w ?Q W a 0 U d 0 w a? an bD O b oz? b ¢x¢ 00 00 00 0 M a ° az a? on W ?x c O C p_, Cd w T R O O a ¢ w PHELAN HALLINAN & SCHMIEG, LLP John Michael Kolesnik, Esq., Id. No.308877 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, S/B/M TO CHASE HOME FINANCE, LLC Plaintiff V BARBARA E. WOODS Defendant(s) CERTIFICATION Attorneys for Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION NO.: 10-2850 CIVIL CUMBERLAND COUNTY The undersigned attorney hereby states that he/she 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: ( ) the mortgage is an FHA Mortgage ( ) the premises is non-owner occupied ( ) the premises is vacant (X) Act 91 procedures have been fulfilled ( ) Act 91 is Not Applicable pursuant to Pa Bulletin, Doc No 11-1197, 41 Pa.B. 3943 This certification is made subject to the penalties of 18 Pa. C.S.A. § 4904 relating to unsworn falsification to authorities. By: Phelan Hallinan & Schmieg, LLP John Michael Kolesnik, Esq., Id. No.308877 Attorney for Plaintiff 0 `O ?T d o L" JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SB/M TO CHASE HOME FINANCE, LLC Plaintiff V. BARBARA E. WOODS Defendant(s) COURT OF COMMON PLEAS CIVIL DIVISION NO.: 10-2850 CIVIL CUMBERLAND COUNTY PHS # 237536 AFFIDAVIT PURSUANT TO RULE 3129.1 JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, S/B/M TO CHASE HOME FINANCE, LLC, Plaintiff in the above action, by the undersigned attorney, sets forth as of the date the Praecipe for the Writ of Execution was filed, the following information concerning the real property located at 9 KIMBERLY LANE, CARLISLE, PA 17015-9197. Name and address of Owner(s) or reputed Owner(s): Name Address (if address cannot be reasonably ascertained, please so indicate) BARBARA E. WOODS 2. Name and address of Defendant(s) in the judgment: Name SAME AS ABOVE 9 KIMBERLY LANE CARLISLE, PA 17015-9197 Address (if address cannot be reasonably ascertained, please so indicate) 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address (if address cannot be reasonably ascertained, please indicate) None. 4. Name and address of last recorded holder of every mortgage of record: qO Name Address (if address cannot be reasonably ascertained, please indicate) I" .? G Z MEMBERS I ST FEDERAL CREDIT UNION P.O. BOX 40 MECHANICSBURG, PA 17055 MEMBERS 1ST FEDERAL CREDIT UNION ATTN: REAL ESTATE DEPT P.O. BOX 40 p MECHANICSBURG, PA 17055 MEMBERS M ST FEDERAL CREDIT UNION ATTN: REAL ESTATE DEPARTMENT 5000 LOUISE DRIVE MECHANICSBURG, PA 17055 MEMBERS SST FEDERAL CREDIT UNION ATTN: FACT C/O FIRST AMERICAN TITLE INSURANCE 1100 SUPERIOR AVE SUITE 200 LENDERS 81)VANTAGE CLEVELAND, OH 44114 COMMERCE BANK / HARRISBURG, N.A. 3801 PAXTON STREET HARRISBURG, PA 17111 COMMERCE BANK / HARRISBURG, N.A. ATTN: COMMERCIAL BUSINESS DEPT i 3801 PAXTON STREET HARRISBURG, PA 17111 Name and address of every other person who has any record lien on the property: Name Address (if address cannot be reasonably ascertained, please indicate) None. 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 (if address cannot be reasonably ascertained, please indicate) None. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Address (if address cannot be reasonably ascertained, please indicate) TENANT/OCCUPANT BARBARA E. WOODS, PRO SE DOMESTIC RELATIONS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF WELFARE 9 KIMBERLY LANE CARLISLE, PA 17015-9197 9 KIMBERLY LANE CARLISLE, PA 17015 13 NORTH HANOVER STREET CARLISLE, PA 17013 P.O. BOX 2675 HARRISBURG, PA 17105 INTERNAL' REVENUE SERVICE ADVISORY 1000 LIBERTY AVENUE ROOM 704 PITTSBURGH, PA 15222 U.S. DEPARTMENT OF JUSTICE U.S. ATTORNEY FOR THE MIDDLE DISTRICT OF PA FEDERAL BUILDING 228 WALNUT STREET, SUITE 220 PO BOX 11754 HARRISBURG, PA 17108-1754 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.A. § 4904 relating to unsworn falsification to authorities. Date: By: Ll P ri Hallinan & Schmieg, LLP n Michael Kolesnik, Esq., Id. No.308877 Attorney for Plaintiff JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, COURT OF COMMON PLEAS S/B/M TO CHASE HOME FINANCE, LLC : CIVIL DIVISION Plaintiff : NO.: 10-2850 CIVIL BARBARA E. WOODS VS. : CUMBERLAND COUNTY Defendant(s) -MM ," .3j r p % NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: BARBARA E. WOODS 9 KIMBERLY LANE CARLISLE, PA 17015-9197 "THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY." Your house (real estate) at 9 KIMBERLY LANE, CARLISLE, PA 17015-9197 is scheduled to be sold at the Sheriff's Sale on 09/05/2012 at 10:00 AM in the Cumberland County Courthouse, South Hanover Street, Carlisle, PA 17013 to enforce the court judgment of $328,717.98 obtained by JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, S/B/M TO CHASE HOME FINANCE, LLC (the mortgagee) against you. In the event the sale is continued, an announcement will be made at said sale in compliance with Pa.R.C.P. Rule 3129.3. 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 canceled if you pay to the mortgagee the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call: 215-563-7000 x1230. 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 MA SAVE YO VE OTHER RI 'S 1. 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 215-563-7000. 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 215-563-7000. 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 proposed schedule of distribution of the phoney bid for your house will be prepared by the Sheriff not later than thirty (30) days after the sale. The schedule shall be kept on file with the sheriff and will be made available for inspection in his office. 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 the filing of the proposed schedule. 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. CUMBERLAND COUNTY BAR ASSOCIATION CUMBERLAND COUNTY COURTHOUSE 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 (800) 990-9108 LEGAL DESCRIPTION ALL THE FOLLOWING described real estate, with any improvements thereon, locally known as 9 Kimberly Lane, Lying and being situate in Dickinson Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at a steel pin in T-356, Cold Springs Road at corner of Lot No. 5; thence along Road, South 36 degrees 22 minutes 40 seconds East 27.59 feet to a steel pin; thence still along T-356, South 43 degrees 07 minutes 15 seconds East 19.40 feet to a steel pin; thence across T-356, South 46 degrees 52 minutes 45 seconds West 25.00 feet to a steel pin in dedicated right of way line of T-356; thence along a curve to the right having'',a radius of 281.35 feet and an arc length of 145.86 feet to a steel, pin; thence continuing along Lots 4, 15, and 16, South 76 degrees 49 minutes 30 seconds West 570.95 feet to a steel pin; thence along Lot No. 16, South 13 degrees 10 minutes 30 seconds East 754.84 feet to a steel pin; thence along lands of John C. Walters South 76 degrees 49 minutes 30 seconds West 246.57 feet to a steel pin; thence along lands of Samuel Stuart, North 16 degrees 50 minutes 35 seconds West 820.39 feet to a steel pin; thence along lands of Lester Eser, North 72 degrees 36 minutes 20 seconds East 325.44 feet to a steel pin; thence along Lot No. 5, South 16 degrees 40 minutes 25 seconds East 37.90 feet to a point; thence still along Lot No. 5, North 76 degrees 49 minutes 30 seconds East 543.14 feet to a point; thence along a curve to the left having a radius of 231.36 feet having an arc distance of 120.91 feet to a point in dedicated right of way line of T-356; thence crossing road, North 53 degrees 37 minutes 20 seconds East 27.24 feet to a point, the place of BEGINNING. Designated as Lot No. 14 on Plan of Cold Spring Meadows, Plan Book 59, page 128. CONTAINING 6.063 acres, and designated as Lot No. 14 on Plan of Cold Spring Meadows. TOGETHER with a right-of-way for ingress, egress and regress to and from Lot 16 to Cold Springs Road over and across the 50 foot private right-of-way and described as Kimberly Lane as shown on the said Subdivision Flan. TITLE TO ;!SAID PREMISES VESTED IN Barbara E. Woods, by Deed from Charles J. Spieser, dated 02/17/'2005, recorded 03/01/2005 in Book 267, Page 3721. PREMISES $EING: 9 KIMBERLY LANE, CARLISLE, PA 17015-9197 PARCEL NO. 08-12-0338-090 SHORT DESCRIPTION By virtue of a Writ of Execution NO. 10-2850 CIVIL JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, S/B/M TO CHASE HOME FINANCE, LLC vs. BARBARA E. WOODS owner(s) of property situate in the TOWNSHIP OF DICKINSON, Cumberland County, Pennsylvania, being (Municipality) 9 KIMBERLY LANE, CARLISLE, PA 17015-9197 Parcel No.' 08-12-0338-090 (Acreage or street address) Improvements thereon: RESIDENTIAL DWELLING JUDGMENT AMOUNT: $328,717.98 Phelan Halligan & Schmieg, LLP Attorney for Plaintiff 1617.1FK Boulevard, Suite 1400 Philadelphia, PA 19103 215-563-7000 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO. 10-2850 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, s/b/m to CHASE HOME FINANCE, LLC, Plaintiff (s) From BARBARA E. WOODS (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: $328,717.98 L.L.: $.50 Interest from 4/17/10 to Date of Sale ($50.78 per diem) -- $44,330.94 Atty's Comm: % Due Prothy: $2.25 Atty Paid: $194.40 Other Costs: Plaintiff Paid: Date: 6/1/2012 David lue ll , Prothonotary, (Seat) Deputy REQUESTING PARTY: Name: JOHN MICHAEL KOLESNIK, ESQUIRE Address: PHELAN HALLINAN & SCHMIEG, LLP 1617 JFK BLVD, SUITE 1400 PHILADELPHIA. PA 19103 Attorney for: PLAINTIFF Telephone: 215-563-7000 Supreme Court ID No. 308877 4 ? j-??F 1 0??'??'? v V t jlk- ?S J- NSA Phelan Hallinan & Schmieg, LLP Allison F. Wells, Esq., Id. No.309519 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia.. PA 19103 215-563-7000 JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, S/B/M TO CHASE HOME FINANCE, LLC Plaintiff v. BARBARA E. WOODS Defendant ATTORNEY FOR PLAINTIFF Court of Common Pleas Civil Division CUMBERLAND County No.: 10-2850 CIVIL PLAINTIFF'S MOTION TO REASSESS DAMAGES Plaintiff, by its Attorneys, Phelan Hallinan & Schmieg, LLP, moves the Court to direct the Prothonotary to amend the judgment in this matter, and in support thereof avers the following: 1. Plaintiff commenced this foreclosure action by filing a Complaint on April 29, 2010. 2. Plaintiff obtained summary judgment by Order of Court dated August 23, 2010. A true and correct copy of the order granting summary judgment is attached hereto, made part hereof, and marked as Exhibit "A". 237536 3. Pursuant to Pennsylvania Rule of Civil Procedure 1037(b)(1), a default judgment containing a dollar amount must be entered for the amount claimed in the complaint and any item which can be calculated from the complaint, i.e. bringing the interest current. However, new items cannot be added at the time of entry of the judgment. 4. The Property is listed for Sheriffs Sale on September 5, 2012. 5. Additional sums have been incurred or expended on Defendant's behalf since the Complaint was filed and Defendant has been given credit for any payments that have been made since the judgment. The amount of damages should now read as follows: Principal Balance Interest Through September 5, 2012 Per Diem $50.64 Late Charges Legal fees Cost of Suit and Title Property Inspections Escrow Deficit Suspense/Misc. Credits $308,899.53 $60,539.38 $1,726.74 $2,000.00 $783.50 $126.00 $13,366.64 ($1,712.71) TOTAL $385,729.08 6. Plaintiff paid the following in taxes and insurance during the time the loan was in default. 9/1/2007 :BEGINNING ESCROW BALANCE $306.17 9/7/2007 PAYMENT ($328.17) 9/11/2007 PAYMENT ($328.17) 10/12/2007 PAYMENT ($328.17) 11/14/2007 PAYMENT ($328.17) 11/26/2007 ESCROW SURPLUS REFUND $104.30 12/13/2007 PAYMENT ($328.17) 1/3/2008 HOMEOWNER'S INSURANCE $562.00 1/10/2008 HOMEOWNER'S INSURANCE $41.00 1/15/2008 PAYMENT ($307.09) 2/12/2008 PAYMENT ($307.09) 3/8/2008 PAYMENT ($307.09) 4/8/2008 PAYMENT ($307.09) 237536 4/14/2008 TOWNSHIP TAX $548.46 5/14/2008 PAYMENT ($307.09) 6/16/2008 PAYMENT ($307.09) 7/31/2008 PAYMENT ($307.09) 8/22/2008 SCHOOL TAX $2,903.35 11/13/2008 PAYMENT ($307.09) 11/13/2008 PAYMENT ($307.09) 12/29/2008 HOMEOWNER'S INSURANCE $633.00 1/16/2009 PAYMENT ($307.09) 2/2/2009 PAYMENT ($307.09) 2/2/2009 PAYMENT ($307.09) 3/5/2012 PAYMENT ($307.09) 4/15/2009 TOWNSHIP TAX $615.65 8/14/2009 SCHOOL TAX $3,020.43 9/24/2009 PAYMENT ($307.09) 11/4/2009 PAYMENT ($307.09) 11/25/2009 PAYMENT ($307.09) 12/22/2009 HOMEOWNER'S INSURANCE $727.00 1/2/2010 PAYMENT ($307.09) 1/21/2010 PAYMENT ($307.09) 4/6/2010 TOWNSHIP TAX $615.64 8/18/2010 SCHOOL TAX $3,134.60 12/29/2010 HOMEOWNER'S INSURANCE $821.00 4/14/2011 TOWNSHIP TAX $821.63 8/11/2011 SCHOOL TAX $4,605.59 12/29/2011 HOMEOWNER'S INSURANCE $866.00 4/6/2012 TOWNSHIP TAX $821.63 TOTAL $13,366.64 6. The judgment formerly entered is insufficient to satisfy the amounts due on the Mortgage. 7. Under the terms of the Mortgage and Pennsylvania law, Plaintiff is entitled to inclusion of the figures set forth above in the amount of judgment against the Defendant. 8. Plaintiff's foreclosure judgment is in rem only and does not include personal liability, as addressed in Plaintiff's attached brief. 237536 9. In accordance with Cumberland County Local Rule 208.3(9), Plaintiff sent a copy of its proposed Motion to Reassess Damages and Order to the Defendant on July 19, 2012 and requested the Defendant's Concurrence. Plaintiff did not receive any response from the Defendant. A true and correct copy of Plaintiff's letter pursuant to Local Rule 2083(9) is attached hereto, made part hereof, and marked as Exhibit "B". 10. No judge has previously entered a ruling in this case. WHEREFORE, Plaintiff respectfully requests that this Honorable Court amend the judgment as requested. DATE: ' Phelan Hallman & Schmi By: ison ire ATTORNEY FOR PLAINTIFF 237536 Phelan Hallinan & Schmieg, LLP Allison F. Wells, Esq., Id. No.309519 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, S/B/M TO CHASE HOME FINANCE, LLC Plaintiff ATTORNEY FOR PLAINTIFF Court of Common Pleas Civil Division CUMBERLAND County V. No.: 10-2850 CIVIL BARBARA E. WOODS Defendant MEMORANDUM OF LAW IN SUPPORT OF PLAINTIFF'S MOTION TO REASSESS DAMAGES 1. BACKGROUND OF CASE BARBARA E. WOODS executed a Promissory Note agreeing to pay principal, interest, late charges, real estate taxes, hazard insurance premiums, and mortgage insurance premiums as these sums became due. Plaintiff s Note was secured by a Mortgage on the Property located at 9 KIMBERLY LANE, CARLISLE, PA 17015-9197. The Mortgage indicates that in the event of a default in the mortgage, Plaintiff may advance any necessary sums, including taxes, insurance, and other items, in order to protect the security of the Mortgage. 237536 In the instant case, Defendant defaulted under the Mortgage by failing to tender numerous, promised monthly mortgage payments. Accordingly, after it was clear that the default would not be cured, Plaintiff commenced the instant mortgage foreclosure action. Judgment was subsequently entered by the Court, and the Property is currently scheduled for Sheriffs Sale. Because of the excessive period of time between the initiation of the mortgage foreclosure action, the entry of judgment and the Sheriffs Sale date, damages as previously assessed are outdated and need to be adjusted to include current interest, real estate taxes, insurance premiums, costs of collection, and other expenses which Plaintiff has been obligated to pay under the Mortgage in order to protect its interests. It is also appropriate to give Defendant credit for monthly payments tendered through bankruptcy, if any. II. LEGAL ARGUMENT TO AMEND PLAINTIFF'S IN REM JUDGMENT It is settled law in Pennsylvania that the Court may exercise its equitable powers to control the enforcement of a judgment and to grant any relief until that judgment is satisfied. 20 P.L.E., Judgments § 191. Stephenson v. Butts, 187 Pa.Super. 55, 59, 142 A.2d 319, 321 (1958). Chase Home Mortgage Corporation of the Southwest v. Good, 537 A.2d 22, 24 (Pa.Super. 1988). The Pennsylvania Superior Court has repeatedly cited the right of a foreclosing creditor to amend its judgment prior to the Sheriffs sale. Nationsbanc Mortgage Corp. v. Grillo, 827 A.2d 489 (Pa.Super. 2003). Morgan Guaranty Trust Co. ofN.Y. v. Mowl, 705 A.2d 923 (Pa. Super. 1998). Union National Bank of Pittsburgh v. Ciongoli, 407 Pa.Super. 171, 595 A.2d 179 (1991). The Supreme Court of Pennsylvania recognized in Landau v. Western Pa. Nat. Bank, 445 Pa. 117, 282 A.2d 335 (1971), that the debt owed on a Mortgage is subject to change and, in fact, can be expected to change from day to day because the bank must advance sums in order to protect 237536 its collateral. Because a Mortgage lien is not extinguished until the debt is paid, Plaintiff must protect its collateral up until the date of sale. Beckman v. Altoona Trust Co., 332 Pa. 545, 2 A.2d 826 (1939). Because a judgment in mortgage foreclosure is strictly in rem, it is critical that the judgment reflect those amounts expended by the Plaintiff in protecting the property. Meco Reality Company v. Burns, 414 Pa. 495, 200 A.2d 335 (1971). Plaintiff submits that if it goes to sale without the requested amended judgment, and if there is competitive bidding for the Property, Plaintiff will suffer a significant loss in that it would not be able to recoup monies it advanced to protect its interests. Conversely, amending the in rem judgment will not be detrimental to Defendant as it imputes no personal liability. In B.C.Y. v. Bukovich, the Pennsylvania Superior Court reiterated its long standing rule that a Court has the inherent power to correct a judgment to conform to the facts of a case. 257 Pa. Super. 157, 390 A.2d 276 (1978). In the within case, the amount of the original judgment does not adequately reflect the additional sums due on the Mortgage due to Defendant's failure to tender payments during the foreclosure proceeding and the advances made by the mortgage company. The Mortgage plainly requires the mortgagor to tender to the mortgagee monthly payments of principal and interest until the Promissory Note accompanying the Mortgage is paid in full. The mortgagor is also required to remit to the mortgagee sufficient sums to pay monthly mortgage insurance premiums, fire insurance premiums, taxes and other assessments relating to the Property. The mortgagor has breached the terms of the Mortgage, and Plaintiff has been forced to incur significant unjust financial losses on this loan. 237536 III. THE FORECLOSURE JUDGMENT IS IN REM ONLY The within case is a mortgage foreclosure action, the sole purpose of which is to take the mortgaged property to Sheriffs Sale. Pennsylvania law makes clear that an action in mortgage foreclosure is strictly in rem and does not include any personal liability. Newtown Village Partnership v. Kimmel, 424 Pa. Super 53, 55, 621 A.2d 1036, 1037 (1993). Signal Consumer Discount Company v. Babuscio, 257 Pa. Super 101, 109, 390 A.2d 266, 270 (1978). Pennsylvania Rule of Civil Procedure 1141(a). However, Pennsylvania law requires that the foreclosure action demand judgment for the amount due. Pa.R.C.P. 1147(6). The purpose of the dollar amount in the in rem judgment is for bidding at the Sheriffs Sale. In the event that a third party real estate speculator were to bid on the mortgaged property at the Sheriffs Sale and become the successful purchaser, Plaintiff would receive the amount of the in rem judgment from the Sheriff. IV. INTEREST The Mortgage clearly requires that the Defendant shall promptly pay when due the principal and interest due on the outstanding debt. In addition, the Note specifies the rate of interest to be charged until the debt is paid in full or otherwise satisfied. Specifically, interest from 30 days prior to the date of default through the date of the impending Sheriff's sale has been requested. V. TAXES AND INSURANCE If Plaintiff had not advanced monies for taxes and insurance throughout the foreclosure proceeding, Plaintiff would have risked loss of its collateral. If the Property were sold at a tax sale, Plaintiffs interest very well may be divested, and Plaintiff would sustain a complete loss on the 237536 outstanding balance due on the loan. If the Property were damaged in a fire, Plaintiff would not be able to obtain insurance proceeds to restore the Property if it did not pay the insurance premiums. Most importantly, the Mortgage specifically provides that the mortgagee may advance the monies for taxes and insurance and charge these payments against the escrow account. Plaintiff is simply seeking to have the Court enforce the terms of the Mortgage. VI. ATTORNEY'S FEES The Plaintiffs foreclosure fees are very modest. They cover all of the legal work done throughout the course of the foreclosure action to date, including reviewing the Act 6 or Act 91 letters, loan documents, account records, title reports and supporting documents, preparing and reviewing the mortgage foreclosure complaint, filing and service of the complaint, Rule 237.1 Notice, Department of Defense search, entry of judgment, the writ of execution process, lien holder notices, and all of the other legal work that goes into handling the mortgage foreclosure lawsuit. The Mortgage specifically provides for Plaintiff's recovery of its attorney fees. The amount of attorney's fees requested in the Motion to Reassess Damages is in accordance with the loan documents and Pennsylvania law. Pennsylvania Courts have long and repeatedly concluded that a request of five percent of the outstanding principal balance is reasonable and enforceable as an attorney's fee. Robinson v. Loomis, 51 Pa. 78 (1865); First Federal Savings and Loan Association v. Street Road Shopping Center, 68 D&C 2d 751, 755 (1974). In Federal Land Bank of Baltimore v. Fetner, the Superior Court held that an attorney's fee of ten percent of the original mortgage amount is not unconscionable. 410 A.2d 344 (Pa. Super. 1979). The Superior Court cited Fetner in confirming that an attorney's fee of ten percent included 237536 in the judgment in mortgage foreclosure action was reasonable. Citicorp v. Morrisville Hampton Realty, 662 A.2d 1120 (Pa. Super. 1995). Plaintiff's legal fees are not a percentage but are significantly less than what is permitted by Pennsylvania law. VII. COST- OF SUIT AND TITLE Pursuant to the terms of the mortgage, Plaintiff is entitled to recover all expenses incurred in the foreclosure action. The amount claimed for the costs of suit and title are the expenses Plaintiff paid to date as a result of the mortgage default. The title report is necessary to determine the record owners of the property, as Pa.R.C.P. 1144 requires all record owners to be named as Defendants in the foreclosure action. It is also necessary to determine whether there are any prior liens to be cleared, so that the Sheriff's sale purchaser acquires clear title to the property. It is necessary to determine if there are IRS liens on the property, whether the Defendants are divorced (which could affect service of the complaint), and numerous other legal issues. The title bringdown is necessary to identify any new liens on the property or new owners between the time of filing and complaint and the writ date. The Freedom of Information Act inquiries and the investigation into Defendants' whereabouts are necessary to effectively attempt personal service of the complaint and notice of sale on the Defendant. The notice of sale and Rule 3129 notice are required by Pa.R.C.P.3129.1 and 3129.2 to notify all lienholders, owners, and interested persons of the Sheriff's sale date, as their interests will be divested by the Sheriff's sale. Accordingly, the modest sums Plaintiff has incurred for the costs of suit and title were necessary pursuant to Pennsylvania law. The amounts were reasonable and actually incurred. 237536 The mortgage and Pennsylvania law permit Plaintiff to recover these sums through its foreclosure action. As the foreclosure action is in rem only, Plaintiff recovers its judgment from the sale of the property, not out of the Defendant's pockets. Plaintiff should recover the costs of suit and title in their entirety, which will not cause harm to the Defendants. VIII. PROPERTY INSPECTIONS AND PRESERVATION The terms of the mortgage provide for property inspections and property preservation charges. The lender or its agent may make reasonable inspections of the property pursuant to the terms of the mortgage. When a borrower defaults under the terms of the mortgage, the lender may do, or pay for, whatever is reasonable to protect its interest in the collateral, including property maintenance. Any amounts disbursed by the lender for property inspections and preservation become additional debt of the borrower secured by the mortgage. The lender may charge the borrower for services performed in connection with the default, for the purpose of protecting the lender's interest in the property, including property inspections and valuation costs. When a loan is in default, the lender's risk increases. Mortgage companies typically have a vendor visit the premises to determine if any windows need to be boarded up, if the property is vacant, if the grass needs to be cut, or the snow shoveled. If the property inspection reveals any problems at the mortgaged premises, then the mortgage company may proceed to take whatever steps are necessary to secure the collateral, such as boarding windows, winterizing, removing hazards or debris, etc. The mortgage company generally pays a vendor to handle these tasks, which are referred to in the industry as "property preservation". These services avoid code 237536 violations and avoid the property becoming an eyesore in the neighborhood. Property preservation helps maintain. property values in the neighborhood. Accordingly, line items included in Motions to Reassess Damages for property inspections and property preservation represent amounts which the mortgage company has paid out of its pocket to preserve its collateral, consistent with the terms of the mortgage contract. Since the terms of the mortgage provide that such expenses by the mortgage company become part of the borrower's debt secured by the mortgage, those expenses are properly included in the Plaintiff's Motion to Reassess Damages. IX. CONCLUSION Therefore, Plaintiff respectfully submits that if the enforcement of its rights is delayed by legal proceedings, and such delays require the mortgagee to expend additional sums provided for by the Mortgage, then the expenses necessarily become part of the mortgagee's lien and should be included in the judgment. Plaintiff respectfully requests that this Honorable Court grant its Motion to Reassess Damages. Plaintiff submits that it has acted in good faith in maintaining the Property in accordance with the Mortgage, and has relied on terms of the Mortgage with the understanding that it would recover the monies it expended to protect its collateral. WHEREFORE, Plaintiff respectfully requests that this Honorable Court amend the judgment as requested. Phelan Hallinan & DATE: ul V, Allison Plaintiff 237536 AUG 12, -7016 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Chase Home Finance LLC 3415 Vision Drive Columbus, OH 43219 Plaintiff VS. Barbara E. Woods 9 Kimberly Lane Carlisle, PA 17015 Defendant Court of Common Pleas Civil Division Cumberland County No. 10-2850-Civil ORDER AND NOW, this z 34 day of /QvC.. A- , 2010 upon consideration of Plaintiff's Motion for Summary Judgment and Brief in Support thereof, and upon consideration of the Response, if any, tiled by Defendant, the Court determines that Plaintiff is entitled to Summary Judgment as a matter of law, and it is hereby: ORDERED and DECR-ED that an in rem judgment is entered in favor of Plaintiff and against Defendant, Barbara 1. Woods, for $328,717.98 plus interest from April 17, 2010 at the rate of $0.78 per diem and other costs and charges collectible under the mortgage, for foreclosure and sale of the mortgaged property. R V 'I H . COT JRT- Exhibit "B" PHELAN HALLINAN & SCHMIEG, LLP 1617 John F. Kennedy Boulevard Suite 1400 Philadelphia, PA 191,03 (215) 563-7000 FAX11: (215) 563-3459 Phelan Hallinan & Schmieg, LLP Representing Lenders in Pennsylvania and New Jersey July 19, 2012 BARBARA E. WOODS 9 KIMBERLY LANE CARLISLE, PA 17015-9197 BARBARA E. WOODS 57 E MAIN ST MECI IANICSBURG, PA 17055-3852 RE: JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, S/B/M TO CHASE HOME FINANCE, LLC v. BARBARA E. WOODS Premises Address: 9 KIMBERLY LANE, CARLISLE, PA 17015 CUMBERLAND County CCP, No. 10-2850 CIVIL Dear Defendant, Enclosed please find a true and correct copy of my proposed Motion to Reassess Damages and Order. In accordance with Cumberland County Local Rule 208.3(9),1 am seeking your concurrence with the requested relief that is, increasing the amount of the judgment. Please respond to me within 5 days, by July 24, 2012. Should you have further questions or concerns, please do not hesitate to contact me. Otherwise, please be guided accordingly. Very truly yours, -7=---_ 1'cl ltfitii"F`?c1 u i re Attorney for Plaintiff Enclosure 237536 Phelan Hallinan & Schmieg, LLP Allison F. Wells, Esq., Id. No.309519 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SB/M TO CHASE HOME FINANCE, LLC Plaintiff ATTORNEY FOR PLAINTIFF Court of Common Pleas Civil Division CUMBERLAND County v. BARBARA E. WOODS Defendant No.: 10-2850 CIVIL CERTIFICATION OF SERVICE I hereby certify that true and correct copies of Plaintiff s Motion to Reassess Damages, and Brief in Support thereof, were sent to the following individual on the date indicated below. BARBARA E. WOODS 9 KIMBERLY LANE CARLISLE, PA 17015-9197 DATE: / BARBARA E. WOODS 57 E MAIN ST MECHANICSBURG, PA 17055-3852 Phelan Hallina7&SC B : li Allison F. Welis-,Esquire ATTORNEY FOR PLAINTIFF 237536 THE PROTHONOOT,, ) 2012 AUG -6 PM 2* 00 CUMBERLAND CQUUTY PPNNSYIVtift IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA JPMORGAN CHASE BANK, NATIONAL Court of Common Pleas ASSOCIATION, S/B/M TO CHASE HOME FINANCE, LLC Civil Division Plaintiff : CUMBERLAND County V. No.: 10-2850 CIVIL BARBARA E. WOODS Defendant RULE AND NOW, this b? day of '' 2012, a Rule is entered upon the Defendant to show cause why an Order should not be entered granting Plaintiff's Motion to Reassess Damages. Defendant shall have twenty (20) days from the date of this Order to file a response to Plaintiff's Motion to Reassess Damages. If no response is filed with the Court, Plaintiff may file a Motion to Make Rule Absolute and no hearing will be scheduled on this matter. 23"7536 ison F. Wells, Esq., Id. No.309519 clan Hallinan & Schmieg, LLP 17 JFK Boulevard, Suite 1400 1ladelphia, PA 19103 L: (215) 563-7000 vX: (215) 563-3459 ARBARA E. WOODS KIMBERLY LANE ARLISLE, PA 17015-9197 & (es w. o? BARBARA E. WOODS 57 E MAIN ST MECHANICSBURG, PA 17055-3852 237536 237536 AFFIDAVIT OF SERVICE (FHLMC) PLAINTIFF CUMBERLAND COUNTY JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SB/M C") c TO CHASE HOME FINANCE, LLC PHS # 237536 -0 -Z ra ? ' DEFENDANT SERVICE TEAM/ lxh B rnev te v? t S?b ARBARA E. WOODS COURT NO.: 1.0-2850 CIVIL r -' cn t ) ; C - t SERVE BARBARA E. WOODS AT: TYPE OF ACTION 9 KIMBERLY LANE XX Notice of Sheriffs Sale CARLISLE PA 17015 9197 = C-) 6-1- ?r 71 ' , - SALE DATE: September 5 20 12 C ? --1 SERVED t Served and made known to BARBARA E. WOODS, Defendant on the r(-day of "P 20 1 ?-, at 7=74, oclock?. M., at Q 111M66yCW Lj4, &K0S M, in the manner described below: V Defendant personally served. Adult family member with whom Defendant(s) reside(s). Relationship is _ Adult in charge of Defendant's residence who refused to give name or relationship. - Manager/Clerk of place of lodging in which Defendant(s) reside(s). Agent or person in charge of Defendant's office or usual place of business. _ an officer of said Defendant's company. Other: Description: Age O s Height 5'6 k Weight (7 U Race W Sex F Other I, , a competent adult, hereby verify that I personally handed a true and correct copy of the Notice of Sheriffs Sale in the manner as set forth herein, issued in the captioned case on the date and at the address indicated above. I understand that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. DATE: CD l t a- NAME: PRINTED NAME: Ronald Moll TITLE: Process Server NOT SERVED On the day of , 20_, at _ o'clock _. M., Defendant NOT FOUND because: Vacant _ Does Not Exist _ Moved _ Does Not Reside (Not Vacant) _ No Answer on at at Service Refused Other: I understand that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. BY: PRINTED NAME: ATTORNEY FOR PLAINTIFF Lawrence T. Phelan, Esq., Id. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Jay B. Jones, Esq., Id. No. 86657 Andrew L. Spivack, Esq., Id. No. 84439 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Courtenay R. Dunn, Esq., Id. No. 206779 Allison F. Wells, Esq., Id. No. 309519 Melissa J. Cantwell, Esq., Id. No. 308912 Mario J. Hanyon, Esq., Id. No. 203993 Andrew J. Marley, Esq., Id. No. 312314 Robert W. Cusick, Esq., Id. No. 80193 John M. Kolesnik, Esq., Id. No. 308877 Matthew G. Brushwood, Esq., Id. No. 310592 ch ...? d ?" .Y. x cz) w Phelan Hallinan & Schmieg, LLP Allison F. Wells, Esq., Id. No.309519 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, S/B/M TO CHASE HOME FINANCE, LLC Plaintiff vs. BARBARA E. WOODS Defendant ATTORNEY FOR PLAINTIFF Court of Common Pleas Civil Division CUMBERLAND County No.: 10-2850 CIVIL CERTIFICATION OF SERVICE I hereby certify that a true and correct copy of the Court's August 6, 2012 Rule the Defendant to show cause as to why Plaintiffs Motion to Reassess Damages should not be granted was served upon the following individual on the date indicated below. BARBARA E. WOODS 9 KIMBERLY LANE CARLISLE, PA 17015-9197 DATE: V E. WOODS 57 E MAIN ST MECHANICSBURG, PA 17055-3852 Phelan an& Sc eg, LLP By: Allison F. Wells, Esquire Attorney for Plaintiff 23753 PHELAN HALLINAN & SCHMIEG, LLP Allison F. Wells, Esq., Id. No.309519 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 "+~ '~~a pip ' f~N~ ~ Attorney for P1ain~t~ff ~U~ ~ ~ pM j~; C~PENNSAY~pq OUN Nl~t IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA JPMORGAN CHASE BANK, NATIONAL CUMBERLAND COUNTY ASSOCIATION, S/B/M TO CHASE HOME FIlVANCE, LLC COURT OF COMMON PLEAS Plaintiff, CIVIL DIVISION v. BARBARA E. WOODS Defendant(s) No.: 10-2850 CIVIL AFFIDAVIT OF SERVICE PURSUANT TO RULE 3129.1 COMMONWEALTH OF PENNSYLVANIA ) PHILADELPHIA COUNTY 1 SS: As required by Pa. R.C.P. 3129.1(a) Notice of Sale has been given to Lienholders and any known interested party in the manner required by Pa. R.C.P. 3129.2(c) ion each of the persons or parties named, at that address, set forth on the Affidavit and as amended if applicable. A copy of the Certificate of Mailing (Form 3817) and/or Certified M~it Return Receipt stamped by the U.S. Postal Service is attached hereto Exhib Allison F. Wells, y G Attorney for Plaintiff Date: ~L IMPORTANT NOTICE: This property is sold at the direction of the plaintiff. 'It may not be sold in the absence of a representative of the nlaietiff at the Sheriff's Sale. The sale must be postponed or stayed in the event that a representative of the plaintiff is hot present at the sate. PHS # 237536 ~ ~ Sasn A ~ ~ r Name and Phdaa Htllioan ~ SCtnllle~, LLP W i 100 f- L617 JPK H k d S ~ d va u oe olt , ~_ D A dress ~ Z y ~v Of Sender One Pena CarDOr Plaza ' PA 19103 AZK/AEG - A9IOSfiA12 SALE `~ Line Attick Nm~ber 1'taaae d aad Pat Otike Addres N 1 •••• BRICIR S. KRAJN[K 3'HO ll[OUNTAIN SHADOW DRIVE FAYBTftI PA 17222 2 •••* GARY T. KRAJNiK 37M 111O11NTA1N SHADOW DRNE FAYIZ'[TLVILL PA 17222 3 •••• Jaa~Y Glaalo 54 Pea<i Gat ifridEe Road NJ 0!022 4 •*•• Rte' 4 Heeknidere aed Grol A. He~ora 130 Greatr~ Drive •••• aK• •~•r •~• •N• rc...uwy~s.•a~ ~ a.ai..a~raroa~ ~ ARo ~~ ~f e~ n w ~~ N O Op JPMORGAN CHASE BANK, NATIONAL COURT OF COMMON ASSOCIATION, S/B/M TO CHASE HOME FINANCE, LLC CIVIL DIVISION Plaintiff NO.: 10-2850 CIVIL v. BARBARA E. WOODS CUMBERLAI^1D Defendant(s) . PHS # 237536 AMENDED AFFIDAVIT PURSUANT TO RULE 3129.1 JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, S/B/M TO CHASE HOME FINANCE, LLC, above action, by the undersigned attorney, sets forth as of the date the Praecipe for the Writ of Execution was filed; the folio information concerning the real property located at 9 KIMBERLY LANE, CARLISLE, PA 17015-9197. Name and address of Owner(s) or reputed Owner(s): Name BARBARA E. WOODS 2 3 Name and address of Defendant(s) in the judgment: Name SAME AS ABOVE Address (if address cannot be reasonably ascertained, please so indicate) 9 KIIVIBERLY LANE CARLISLE, PA 17015.9197 Address (if address cannot be reasonably ascertained, please so indicate) Name and last known address of every judgment creditor whose judgment is a record lien on the real property to Name Address (if address cannot be reasonably ascertained, please indicate) ERICA S. KRAJNIK 3708 MOUNTAIN SHADOW DRIVE FAYETTEVILLE, PA 17222 GARY T. KRAJNIK Joseph Catanio 3708 MOUNTAIN SHADOW DRIVE FAYETTEVILLE, PA 17222 54 Petti Coat Bridge Road Columbus, NJ 08022 4. Name and address of last recorded holder of every mortgage of record: Name Address (if address cannot be reasonably ascertained, please indicate) MEMBERS 1ST FCU ATTN: REAL ESTATE DEPARTMENT 5000 LOUISE DRIVE MECHANICSBURG, PA 17055 Members 1st Federal Credit Union Members 1st Federal Credit Union P.O. Box 40 Mechanicsburg, PA 17055 ATTN: REAL ESTATE DEPT P.O. Box 40 Mechanicsburg, PA 17055 in the sold: Members 1st Federal Credit Union ATTN: FACT C/O FIRST AMERICAN TITLE INSURANCE 1100 SUPERIOR AVE SUITE 200 LENDERS ADVANTAGE CLEVELAND, OH 44114 Commerce Bank /Harrisburg, N.A. Commerce Bank /Harrisburg, N.A. Roger L. Heckendorn and Carol A. Heckendorn 3801 Paxton Street Harrisburg, PA 17111 ATTN: COMMERCIAL BUSINESS DEPT 3801 Paxton Street Harrisburg, PA 17111 130 Coventry Drive Carlisle, PA 17015 Name and address of every other person who has any record lien on the property: Name Address (if address cannot be reasonably ascertained, please indicate) None. Name and address of every other person who has any record interest in the property and whose interest may be sale. Name Address (if address cannot be reasonably ascertained, please indicate) None. Name and address of every other person of whom the plaintiff has knowledge who has any interest in'the property be affected by the sale: Name Address (if address cannot be reasonably ascertained, please indicate) TENANT/OCCUPANT BARBARA E. WOODS, PRO SE Domestic Relations of Cumberland County 9 KIMBERLY LANE CARLISLE, PA 17015-9197 9 KIMBERLY LANE CARLISLE, PA 17015 13 North Hanover Street Carlisle, PA 17013 Commonwealth of Pennsylvania Department of Welfare Internal Revenue Service Advisory U.S. Department of Justice U.S. Attorney for the Middle District of PA Federal Building P.O. Box 2675 Harrisburg, PA 17105 1000 Liberty Avenue Room 704 Pittsburgh, PA 15222 228 Walnut Street, Suite 220 PO Box 11754 Harrisburg, PA 17108-1754 I verify that the statements made in this affidavit are true and correct to the best of trny personal knowledge or information and belief. I understand that false statements herein aze made subject to the of 18 Pa. C.S.A. § 4904 relating to unsworn falsification to authorities. // Date: `(t/ Phelan Hallinan & Schmieg, LLP Allison F. Wells, Esq., Id. No.309519 Attorney for Plaintiff by the may ties =~ ~. k' ~- ° , ~ ~ z ~ *' n 0 n i C ~ ~ ~ 0 3 ' ~ s ~'+e' ;r, r v ~ I ~~~R~ ~,~^~~ z ~a~,~ a ~: 4 ~ , ~'~~a~. ~'~"'~~ ~~~~~ ~.. o ;~~~: -~ 6 ~ ~ ~~ ~~ ~~ a~M~ ~~~ ~ '~~ ~~ ~$T ~~~ ~~ - ;~~~ ,~ :~'~3°d R ~~~' ~~. ~ ~ ~ a cn i,, w N ~ a v `~~ ~a~ ~ ~ ~ a y ~ Z Q. x~ ~ ~ x• ,~ ,~ x ' n . _. ~ ,~, w° ?~a~~~ya b T' _ ~ ~ ~ C rD -b C7 fii b a r~ Q7 ~'* .'~ ~ C1 "G ,,d ~ .,d +~ ~ O -A y ~. ~ .~ , ~. ~ .~, ~' m n C' m eo ~ to `-' a mom. ~,~' ~ !"., iii Cr1 ~.. v", A ~ y A ...~ o e~~o ~' .~+ n ~t~ 7C tr~j "' ~ ~~ to ~ ~• 'J ,., -- ~~ A~ e~~e Y~~~ u~ai no ~ ` ~ O ~ w~p~ ~~~~ ~ ON 0, t1~ .~ ~ ~ ~ ~ ~ V 5 O C.., n ~ ..e rt 5 Z ~ "3: O `C t~ ~. y ~ .~.~ i -j a t ... u r _~~~~s ~~ w . ` ~ ~..~. .~ ~. - ; h. , oaz MG1 y ~ a, g ~ ~ ~ ('gyp y `^~ Y Q. n ~P ~: (y ~ ~~Aq_ ,~ 3 p ~' C 'TJ ~ R° ~~ C ~ _~ «-..' ~, O r O ~ ~~^ t ~~ -sr,+i...os afren ~ to ~. •, ~ ~'~ :~1 ~~ SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson t j~~~ i ~ ~•, _ t i~ Sheriff y ~j;x, :1 4;i~ i,;; ~"',y r i ~~ ~~'?I, 0?'~~" "3 _r n~ Jody S Smith ~ ~~ ~ ~ ~ Chief Deputy - `~ ~ ? ~~ ~ ~'~ ' ~ ~ f ~ ~ ~~ ~!~ Richard W Stewart ~~~~~~>~~# F~~ v ~f~(~~~ j ~~ solicitor .. ,-- P`NNSYLY~,~3t',~, Chase Home Finance LLC Case Number vs. 2010-2850 Barbara E. Woods SHERIFF'S RETURN OF SERVICE 06/22/2012 08:17 PM -Deputy Michael Garrick, being duly sworn according to law, states service was performed by posting a true copy of the requested Real Estate Writ, Notice and Description, in the above titled action, upon the property located at 9 Kimberly Lane, Dickinson Township, Carlisle, PA 17015, Cumberland County. 06/22/2012 08:17 PM -Deputy Michael Barrick, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be the Defendant, to wit: Barbara E. Woods at 9 Kimberly Lane, Dickinson Township, Carlisle, PA 17015, Cumberland County. 08!28/2012 As directed by Daniel Schmieg, Attorney for the Plaintiff, Sheriffs Sale Continued to 11/7/2012 11/06/2012 Ronny R Anderson, Sheriff, being duly sworn according to law, states that this writ is returned "stayed", per letter of instruction from Attorney. SHERIFF COST: $667.37 November 07, 2012 SO ANSWERS, ~~ 7 ~, ~. RONN R ANDERSON, SHERIFF a . a2,s`,d . CO - S'~ LPL- ~oGl ~~ ~9is JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, S/B/M TO CHASE HOME FINANCE, LLC Plaintiff v. BARBARA E. WOODS Defendant(s) COURT OF COMMON PLEAS CIVIL DIVISION NO.: 10-2850 CIVIL CUMBERLAND COUNTY PHS # 237536 AFFIDAVIT PURSUANT TO RULE 3129.1 JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, S/B/M TO CHASE HOME FWANCE, LLC, Plaintiff in the above action, by the undersigned attorney, sets forth as of the date the Praecipe for the Writ of Execution was filed, the following information concerning the real property located at 9 KIMBERLY LANE, CARLISLE, PA 17015-9197. 1. Name and address of Owner(s) or reputed Owner(s): Name Address (if address cannot be reasonably ascertained, please so indicate) BARBARA E. WOODS 9 KIMBERLY LANE CARLISLE, PA 17015-9197 2. Name and address of Defendant(s) in the judgment: Name Address (if address cannot be reasonably ascertained, please so indicate) SAME AS ABOVE 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address (if address cannot be reasonably ascertained, please indicate) None. 4. Name and address of last recorded holder of every mortgage of record: Name Address (if address cannot be reasonably ascertained, please indicate) MEMBERS 1ST FEDERAL CREDIT UNION P.O. BOX 40 MECHANICSBURG, PA 17055 MEMBERS 1ST FEDERAL CREDIT UNION ATTN: REAL ESTATE DEPT P.O. BOX 40 MECHANICSBURG, PA 17055 MEMBERS 1ST FEDERAL CREDIT UNION ATTN: REAL ESTATE DEPARTMENT 5000 LOUISE DRIVE MECHANICSBURG, PA 17055 MEMBERS 1ST FEDERAL CREDIT UNION ATTN: FACT C/O FIRST AMERICAN TITLE INSURANCE 1100 SUPERIOR AVE SUITE 200 LENDERS ADVANTAGE CLEVELAND, OH 44114 COMMERCE BANK /HARRISBURG, N.A. 3801 PAXTON STREET HARRISBURG, PA 17111 COMMERCE BANK !HARRISBURG, N.A. ATTN: COMMERCIAL BUSINESS DEPT 3801 PAXTON STREET HARRISBURG, PA 17111. Name and address of every other person who has any record lien on the property: Name Address (if address cannot be reasonably ascertained, please indicate) None. 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 (if address cannot be reasonably ascertained, please indicate) None. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name TENANT/OCCUPANT Address (if address cannot be reasonably ascertained, please indicate) 9 KIMBERLY LANE CARLISLE, PA 17015-91.97 BARBARA E. WOODS, PRO SE DOMESTIC RELATIONS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF WELFARE 9 KIMBERLY LANE CARLISLE, PA 17015 13 NORTH HANOVER STREET CARLISLE, PA 17013 P.O. BOX 2675 HARRISBURG, PA 17105 INTERNAL REVENUF. SERVICE ADVISORY 1000 LIBERTY AVENUE ROOM 704 PITTSBURGH, PA 15222 U.S. DEPARTMENT OF JUSTICE U.S. ATTORNEY FOR THE MIDDLE DISTRICT OF PA FEDERAL BUILDING 228 WALNUT STREET, SUITE 220 PO BOX 11754 HARRISBURG, PA 17108-1754 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information anal belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S.A. § 4904 relating to unsworn falsification to authorities. Date: Ti _ By: <~~:/" P n Hallman & Schmieg, LLP Michael Kolesnik, Esq., Id. No.308877 Attorney for Plaintiff JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, COURT OF COMMON PLEAS SB/M TO CHASE HOME FINANCE, L,LC . CIVIL DIVISION Plaintiff NO.: 10-2850 CIVIL vs. BARBARA E. WOODS CUMBERLAND Ct)UNTY Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: BARBARA E. WOODS 9 KIMBERLY LANE CARLISLE, PA 17015-9197 * *THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A llEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY.x* Your house (real estate) at 9 KIMBERLY LANE, CARLISLE, PA 17015-9197 is scheduled to be sold at the Sheriff's Sale on 09/05/2012 at 10:00 AM in the Cumberland County Courthouse, South Hanover Street, Carlisle, PA 17013 to enforce the court judgment of $328,717.98 obtained by JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SB/M TO CHASE HOME FINANCE, LLC (the mortgagee) against you. In the event the sale is continued, an announcement will be made at said sale in compliance with Pa.R.C.P. Rule 3129.3. 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 canceled if you pay to the mortgagee the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call: 215-563-7000 x1230. 2. You may be able to stop the sale by filing a petition asking the Court to stxike 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 215-563-7000. 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 ca11215-563-7000. 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 proposed schedule of distribution of the money bid for your house will be prepared by the Sheriff not later than thirty (30) days after the sale. The schedule shall be kept on file with the sheriff and will be made available for inspection in his office. 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 the filing of the proposed schedule. 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. CUMBERLAND COUNTY BAR ASSOCIATION CUMBERLAND COUNTY COURTHOUSE 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 (800) 940-9108 LEGAL DESCRIPTION ALL THE FOLLOWING described real estate, with any improvements thereon, locally known as 9 Kimberly Lane, Lying and being situate in Dickinson Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at a steel pin in T-356, Cold Springs Road at corner of Lot No. 5; thence along Road, South 36 degrees 22 minutes 40 seconds East 27.59 feet to a steel pin; thence still along T-356, South 43 degrees 07 minutes 15 seconds East 19.40 feet to a steel pin; thence across T-356, South 46 degrees 52 minutes 45 seconds West 25.00 feet to a steel pin in dedicated right of way line of T-356; thence along a curve to the right having a radius of 281.35 feet and an arc length of 145.86 feet to a steel, pin; thence continuing along Lots 4, 15, and 16, South 76 degrees 49 minutes 30 seconds West 570.95 feet to a steel pin; thence along Lot No. 16, South 13 degrees 10 minutes 30 seconds East 754.84 feet to a steel pin; thence along lands of John C. Walters South 76 degrees 49 minutes 30 seconds West 246.57 feet to a steel pin; thence along lands of Samuel Stuart, North 16 degrees 50 minutes 35 seconds West 820.39 feet to a steel pin; thence along lands of Lester Eser, North 72 degrees 36 minutes 20 seconds East 325.44 feet to a steel pin; thence along Lot No. 5, South 16 degrees 40 minutes 25 seconds East 37.90 feet to a point; thence still along Lot No. 5, North 76 degrees 49 minutes 30 seconds East 543.14 feet to a point; thence along a curve to the left having a radius of 231.36 feet having an arc distance of 120.91 feet to a point in dedicated right of way line of T-356; thence crossing road, North 53 degrees 37 minutes 20 seconds East 27.24 feet to a point, the place of BEGINNING. Designated as Lot No. 14 on Plan of Cold Spring Meadows, Plan Book 59, page 128. CONTAINING 6.063 acres, and designated as Lot No. 14 on Plan of Cold Spring Meadows. TOGETHER with aright-of--way for ingress, egress and regress to and from Lot 16 to Cold Springs Road over and across the 50 foot private right-of--way and described as Kimberly Lane as shown on the said Subdivision Plan. TITLE TO SAID PREMISES VESTED IN Barbara E. Woods, by Deed from Charles 7. Spieser, dated 02/17/2005, recorded 03/01/2005 in Book 267, Page 3721. PREMISES BEING: 9 KIMBERLY LANE, CARLISLE, PA 17015-9197 PARCEL NO. 08-12-0338-090 SHORT DESCRIPTION By virtue of a Writ of Execution NO. 10-2850 CIVIL JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, S/B/M TO CHASE HOME FINANCE, LLC vs. BARBARA E. WOODS owner(s) of property situate in the TOWNSHIP OF DICKINSON, Cumberland County, Pennsylvania, being (Municipality j 9 KIMBERLY LANE, CARLISLE, PA 17015-9197 Parcel No. 08-12-0338-090 (Acreage or street address) Improvements thereon: RESIDENTIAL DWELLING JUDGMENT AMOUNT: $328,717.98 Phelan Hallinan & Schmieg, LLP Attorney for Plaintiff 1617 JFK Boulevard, Suite 1400 Philadelphia, PA 19103 215-563-7000 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO. 10-2850 Civil COUNTY OF CUMBERLAND) CIVIL, ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, slblm to CHASE HOME FINANCE, LLC, Plaintiff (s) From BARBARA E. WOODS (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 ganiishee(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 properh~ 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: 5328,717.98 L.L.: 5.50 Interest from 4/17110 to Date of Sale (550.78 per diem) -- 544,330.94 Atty's Comm: ° o Due Prothy: 52.2 Atty Paid: 5194.40 Other Costs: Plaintiff Paid: Date: 6i1i2012 David D. Bue 1, Prothonota (Seal) Deputy REQUESTING PARTY: Name: JOHN MICHAEL KOLESNIK, ESQUIRE Address: PHELAN HALLINAN & SCHMIEG, LLP 1617 JFK BLVD, SUITE 1400 PHILADELPHIA. PA 19103 Attorney for: PLAINTIFF Telephone: 215-563-7000 Supreme Court ID No. 308877 TRUE COPY ARUM iZECORD In Testimony wherEOf, i here unto set my hand and the seal of said Court at Carlisle. Pa. This__~_._dayof_x,~- ,~0~_ Prcthon tary ~~t~ t ~~il ~ p On June 4, 2012 the Sheriff levied upon the defendants interest in the real property situated in Dickinsan Township, Cumberland County, PA, known and numbered 9 Kimberly Lane, Carlisle, PA 17015 more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: June 4, 2012 By. Claudia Brewbaker, Rea! Estate Coordinator CUMBERLAND LAW JOURNAL Writ No. 2010-2850 Civil Term Chase Home Finance LLC vs. Barbara E. Woods Atty.: Daniel Schmieg By virtue of a Writ of Execution NO. 10-2850 CIVIL, JPMORGAN CHASE BANK, NATIONAL ASSO- CIATION, s/b/m TO CHASE HOME FINANCE, LLC vs. BARBARA E. WOODS owner(s) of property situate in the TOWNSHIP OF DICKINSON, Cumberland County, Pennsylvania, being 9 KIMBERLY LANE, CARLISLE, P A 17015-9197 Parcel No. 08-12- 0338-090. Improvements thereon: RESIDEN- TIAL DWELLING. JUDGMENT AMOUNT: $328,717- .98. 112 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.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: July 27, August 3, and August 10, 2012 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. isa Marie Coyne, itor SWORN TU AND SUBSCRIBED before me this 0 da of Au ust 2012 - Notary ~_ NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BOROUGH, CUMBERLAND COUNTY My Commission Expi{es Apr 28, 2014 The Patriot-News Co. 2020 Technology Pkwy Suite 300 Mechanicsburg, PA'17050 Inquiries - 717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 Ile ~llaxtriot Netus Now you know THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Holly Blain, being duly sworn according to law, deposes and says: That she is a Staff Accountant of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 2020 Technology Pkwy, Suite 300, in the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 1900 Patriot Drive, 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/ Community Weekly editions which appeared on the date(s) indicated below. That neither she nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION COPY This ad ran on the date(s) shown below: zo~~o cam 1lonn L1JC vs e~rb~l+r [. Nhlq+ds ~ ~~ sy ~r, wric ~~, io- zsso ctva ~MaRr~r c,,, NA~QNALAS$QCLAT70N,;S/B/M TO CHASEtibME MPIANCE, LLC vs. BARBARA E. WOODS a'~(a) ~'~iDP~' ~ip>~ie is 1fic TOWNSI~P OF DICKQ~FSON, Cumbe~lsnd Cwaty, Penmyh'aoia, being AMY) 91LY I.AIdE, >~ARi~+t~, P A 17015-4197 Pam1Na.AE~12aDtx3N~090 (Acre~e or strat address) Imjxovemenffi tba+eunltF.'~F.fV'i7AAl. DVVEt ttNG ,r-- 7UIXilYBrN'1' AMOIJNi`. 5328,717.98 07/27/12 A.D. i COMMbNWEAL7'H _0~ p~ryN~yLliANlF, I Sr,~rr;e ._ C~ws~ns, NGtary ?uislir_ Lnw, r I ~x'n~~ Twp~-, Ua~pt;rr, fYcun~~ My ConwnNss,~r, Expire, fVJv ~6 ZU15 F1E"16CN FNN r'rL1 t~fiTq Fu5G;.1l~.i;,.;fy CIF N!" "AR?ES 08/03/12 08/10/12