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Home My WebLink About10-4953 UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARREMA, ESQUIRE - ID #203437 LOUIS A. SIMONI, ESQUIRE - ID #200869 ADAM L. KAYES, ESQUIRE - ID #86408 MARGUERITE L. THOMAS, ESQUIRE - ID #204460 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Wells Fargo Bank, N.A., as `_COURT OF COMMON PLEAS Trustee for Securitized Asset :CIVIL DIVISION Backed Receivables LLC Trust 2005-OPl, Mortgage Pass- :Cumberland County Through Certificates, Series 2005-OPl P.O. Box 961730 Irving, TX 75063 Plaintiff v. Penelope A. Zayas 271 Newville Road NO. l0 ~ ~~ Shippensburg, PA 17257 United States of America 228 Walnut Street P.O. Box 11754 Harrisburg, PA 17108 Defendant(s) N ~ ~ L~ a ~ , --~ -r, ` -- .~ c ~._ ~ f_~: N r ~~ _ 8~ t~ :- ~ _.. C ~s,~~ cr- .. Civil~rN1 COMPLAINT IN MORTGAGE FORECLOSURE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property o other rights important to you. ~Ga. oo ~Pa hey a~ ~s~7my YOII SHOIILD TAKE THIS PAPER TO YOIIR LAWYER AT ONCE. IF YOII DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOII WITH INFORMATION ABOIIT HIRING A LAWYER. IF YOII CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOII WITH INFORMATION ABOIIT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDIICED FEE OR NO FEE. LAWYERS REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 800-990-9108 AVISO Le han demandado a usted en la Corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita o en persona o con un abogado y entregar a la Corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se dafiende, la Corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso 0 notificacion. Ademas, la Corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes Para usted. LLEVE ESTA DEMANDA A IIN ABOGADO INII~DIATA~NTE, SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SIIFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CIIYA DIRECCION SE ENCIIENTRA ESCRITA ABAJO PARR AVERIGIIAR DONDE SE PIIEDE CONSEGIIIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 800-990-9108 NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. UDREN LAW OFFICES, P.C. /s/ Mark J. Udren, Esquire Woodcrest Corporate Center 111 Woodcrest Road, Suite 200 Cherry Hill, NJ 08003-3620 (856) 669-5400 1. Plaintiff is the Corporation designated as such in the caption on a preceding page. Plaintiff is the legal holder of the Mortgage that is the subject of this action. Current assignments of mortgage of record are as follows. Assignor: Option One Mortgage Corporation Assignments of Record to: Wells Fargo Bank, National Association as Trustee for Securitized Asset Backed Receivables LLC 2005-OP1 Mortgage Pass-Through Certificates, Series 2005-OP1 Recording Date: 5/1/08 Instrument No: 200814131 2. Defendant(s), Penelope A. Zayas United States of America are/is the individual(s) designated as such on the caption, whose last known address is as set forth in the caption, and unless designated otherwise, are the real owner(s) and mortgagor(s) of the premises being foreclosed. Defendant, The United States of America is a Defendant by virtue of a judgment, lien, or other interest in the mortgaged property. Evidence of the USA's interest is attached hereto. 3. On or about the date appearing on the Mortgage hereinafter described, at the instance and request of Defendant(s), Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned to the Defendant(s) the sum appearing on said Mortgage, which Mortgage was executed and delivered to Plaintiff as security for the indebtedness. Said Mortgage is incorporated herein by reference in accordance with Pa.R.C.P. 1019 (g). The information regarding the Mortgage being foreclosed is as follows: MORTGAGED PREMISES: 271 Newville Road MUNICIPALITY/TOWNSHIP/BOROUGH: Southampton Township COUNTY: Cumberland DATE EXECUTED: 9/13/04 DATE RECORDED: 9/20/04 BOOK: 1881 PAGE: 1017 The legal description of the mortgaged premises is attached hereto and made part hereof. 4. Said Mortgage is in default because the required payments have not been made as set forth below, and by its terms, upon breach and failure to cure said breach after notice, all sums secured by said Mortgage, together with other charges authorized by said Mortgage itemized below, shall be immediately due. 5. After demand, the Defendant(s) continues to fail or refuses to comply with the terms of the Mortgage as follows: (a) by failing or refusing to pay the installments of principal and interest when due in the amounts indicated below; (b) by failing or refusing to pay other charges, if any, indicated below. 6. The following amounts are due on the said Mortgage as of 7/14/10: Principal of debt due $193,645.88 Unpaid Interest at 6.45~* from 2/1/09 to 7/14/10 (the per diem interest accruing on this debt is $34.22 and that sum should be added each day after 7/14/10) 20,182.58 Title Report 325.00 Court Costs (anticipated, excluding Sheriffs Sale costs) 280.00 Escrow Overdraft/(Balance) (The monthly escrow on this account is $253.82 and that sum should be added on the first of each month after 7/14/10) 1,362.40 Late Charges (monthly late charge of $77.44 should be added in accordance with the terms of the note each month after 7/14/10) 70.76 Suspense Balance (1,553.25) NSF Fees 40.00 Recoverable Balance 220.85 Attorneys Fees (anticipated and actual to 5~ of principal) 9,682.29 TOTAL $224,896.51 *This interest rate is subject to adjustment as more fully described in the note and mortgage. 7. The attorney's fee set forth above are in conformity with the mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff's Sale. If the mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged in accordance with the reduction provisions of Act 6, if applicable. 8. The combined notice specified by the Pennsylvania Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983 and Notice of Intention to Foreclose under Act 6 of 1974 has been sent to each defendant, via certified and regular mail, in accordance with the requirements of those acts, on the date appearing on the copy attached hereto as Exhibit "A", and made part hereof, and defendant (s) have failed to proceed within the time limits, or have been determined ineligible, or Plaintiff has not been notified in a timely manner of Defendant(s) eligibility. WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant(s) herein in the sum of $224,896.51 plus interest, costs and attorneys fees as more fully set forth in the Complaint, and for foreclosure and sale of the Mortgaged premises. UDREN LAJp~ ~~'FICES, P.C. Att~6r ey for Pla~iififf MARK J. REN, ESQUIRE STU T WI EG, ESQUIRE LORRA NE OYLE, ESQUIRE ALAN M. INATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE ADAM L. KAYES, ESQUIRE MARGUERITE L. THOMAS, ESQUIRE S®p 1D 04 11:35a V~tt LEGAL DESCRIPTION 71?-485-9443 p.8 All that cettain tot, parcel, or piece of grounc€, wwifih the [mprovements thereon erected, situate in Southampton Township, Cumberland County, Pennsylvania, bDUnded and described aS fdklws, tD Wit: Beginning at a set splice in the center of Pennsyvania Route 533 (Newvllle ~): t#tence by the latter, north 44° 7' 30" East 178.45 feet to an existing sake in the center of said ~aadwaY; ~~ by lands now or formerly of Hetman Holtry and Gmver Hertt'y, SDUth 60° 54' 4S" East 406.95 feet to an exisling Iron pin at poste thence by lands now or formerly of Graver henry, South 3T° 7.$' 26" West ]85.96 feet to a set iron pin; thence lay Lqt NO. 1-A On the hereinafter rEferred to Plan, North 45° 52' 3i?" West 426.14 beet to a set spike in the center of Pennsylvania RDUte 533, the place of beginning. BEING a part of the origirrai subdivision of land prepared for Mi. Bucker Pugh and ]arse A. Pugh, his wife, by Wipiam A. Brindle Assodatas dated August 26, 2977 and recorded in Plan Book 32 at Page T5. BEING tfte same property conveyed utrtv Penelope A. Pugi- by deed from Penelope A Pugh aExi Carlos Zayas, husband and vrife, dated May 13, 2001 and recorded at Deed Batik Volume 246, Rage 549. e~~_m IIII~~Ifl~~~~Ylll ~~ III ~II NII SRI ~ ~1~31111 All M~ III Penelope A Zayas 271 Newville Rd Shippensburg, PA 17257 (Rev. 9/2008 Date• Ma~28, 2010 H~~~~~~~o~~~~ This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. IMPORTANT INFORMATION CONCERNING YOUR RIGHTS IS CONTAINED ONPAGE FOUR The HOMEOWNER'S EMERGENCYMORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home This notice explains how the program works. To see ijHEMAP can help, you must MEET WITHA CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address, and phone number oJConsumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at I-800-342-2397. (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACIO'N EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACIO'N OBTENGA UNA TRADUCCIO'N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARR UN PRE'STAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDH)A DEL DERECHO A REDIl~IIR SU HIPOTECA. HOMEOWNER'S NAME(S): Penelope A Zayas PROPERTY ADDRESS: 271 Newvitle Rd Shippensburg,PA 17257 LOAN ACCT. NO.: 0014253702 ORIGINAL LENDER: OPTION ONE MORTGAGE CORPORATION CURRENT SERVICER: American Home Mortgage Servicing, Inc. CURRENT LENDER: Securitized Asset Backed Receivables LLC Mortgage Pass-Through Certificates, Series 2005-OP1 EXHIBIT ~ Page two 0014253702 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOUMAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOUMAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: * IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, * IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, * IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT'; EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE. " YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCYACTIDN -Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOUARE CURRENTLYPROTECTED BYTHE FILING OFA PETITIONINBANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLYAND SHOULD NOT BE CONSIDERED AS ANATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) Page three HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date): NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 271 Newville Rd, Shippensburg, PA 17257 IS SERIOUSLY 1N DEFAULT because: 0014253702 A. YOUHAYE NOT MADE MONTHLYMORTGAGE PAYMENTS for the following months and the following amounts are now past due: (a) Monthly payments from 03/01/2009: (b) Late chazge(s): (c) Other chazge(s): NSF and Advances (d) Less: Credit Balance (e) Total amount required as of 05/28/2010: $24,753.71 $633.32 $151.25 $1,553.25 $23,985.03 HOW TO CURE THE DEFAULT -You may cure this default within THIRTY (30) DAYS from the date of this Notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $23,985.03, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES (and other charges) WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check, or money order made payable and sent to: American Home Mortgage Servicin Inc. 1525 S. Beitline Rd. Coppell, TX 019 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of date of this Notice, the lender intends to exercise its right to accelerate the mortgage deb~This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property IF THE MORTGAGE IS FORECLOSED UPON -The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs.lf you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -The lender may also sue you personally for the unpaidprincipal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAYperiod and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sherds Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately five (5) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. Page four HOW TO CONTACT THE LENDER Name of Lender: American Home Mortgage Servicing, Inc. Address: 1525 S. Beltline Rd. Coppell, TX 75019 Telephone Number: 1-877-304-3100 Fax Number: 1-866-497-1263 Contact Person: Brandon Wirth, Glenda Mathews E-mail Address: Brandon.wirth@ahmsi3.com, Glenda.mathews@ahmsi3.com 0014253702 EFFECT OF SHERIFF'S SALE -You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOUMAYALSO HAVE THE RIGHT: ° TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. ° TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. ° TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) ° TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. ° TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. ° TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CANBE FOUND ONPAGES S-7. American Home Mortgage Servicing, Inc. is attempting to collect a debt, and any information obtained will be used for that purpose. Federal law gives you thirty days after you receive this letter to dispute the validity of this debt or any part of it. Unless you dispute the debt within that 30 day period, we will assume that it is valid. If you notify us in writing at the address below within the thirty day period that the debt, or any portion thereof, is disputed, we will: 1) Provide to you verification of the debt or a copy of any judgment entered against you. 2) Provide to you the name and address of your original creditor, if the original creditor is different from the current creditor. Sincerely, American Home Mortgage Servicing, Inc. American Home Mortgage Servicing, Inc. 1525 S. Beltline Rd. Coppell, TX 75019, 1-877-304-3100 "Indicates Counties Serviced AcliorrHousing, Inc 425 Sixfh Ave; STE 950 Pittsburgh, PA 15219 800.792.2801!412.281.2102 www.eclionhousing.org 'Allegheny, Beaver, Butler, Fayette, Greene, Washington, Westmoreland Advocates forFinandallndependence Philadelphia 1628 JFK Blvd-8 Penn Ctr, STE 2210 Philadelphia, PA 19103 215.218.4342 www.afinaw.org 'Philadelphia AdvocetesforFinandallndependence -Ridley Park 202 E Hinkley Ave Ridley Park, PA 19078 215.218.4342 www.afinow.org 'Chester, Delaware Alliance for Building Communities 830 Hamilton Mall Allentown, PA 18101 810.439.7007 `Lehigh, Northampton, Schuylkill Amertcan Credit Alliance, Inc. 2 S Delmom Ave; STE 501 Momsville, PA 19067 800.501.7526 / 215.295.7195 www.501 plan.com `Bucks, Montgomery Armstrong County Community Action Agency 705 Butler Rd Kittanning, PA 16201 724.548.3408 www.armstrongcap.com 'Armstrong Asocied6n PuertorrtquefSos en Marche, Inc. (APM) 600 W Diamond St Philadelphia, PA 19122 7215.235.6070 www.apmphila.orgm 'Delaware, Philadelphia Bucks County Housing Group 2324 Second St Pike; STE 17 Wrightstown, PA 16940 888.866.02601215.598.3566 www.bchg.org 'Bucks Building United of Southwestern PA 801 N Homewood Ave; STE 201 Pittsburgh, PA 15208 412.281.4422 'Allegheny, Beaver, Baler, Fayette, Washington, Westmoreland Campbell Street Family Youth and Community Associatlon 600 Campbell St Williamsport, PA 17701 570.322.5515 www.campbellstreetcenter.org 'Lycoming Carroll Park Community Coundl, Inc. 5218 Master St Philadelphia, PA 19131 215.877.1157 'Delaware, Montgomery, Philadelphia Cambria Community Development Corporation 401 Candlelight Dr Ebensburg, PA 15931 814.472.8771 'Blair, Cambria, Delaware, Indiana, Somerset CCCS of Delaware Valley - Brtstd 1230 Veterens Hwy, STE F1 Brtstol, PA 19007 800.989.2227 / 215.563.5665 'Bucks CCCS of Delaware Valley -Center City Philadelphia 1608 Walnut St; 10th FL Philadelphia, PA 19103 800.989.2227/215.563.5885 www.cccsdv.org 'Chester, Philadelphia CCCS of Delaware Valley -Chinatown 901-A Wood St Philadelphia, PA 19107 800.989.2227 / 215.563.5885 www.cccsdv.org 'Philadelphia CCCS of Delaware Valley -Philadelphia 4400 North Reese St Philadelphia, PA 19140 800.989.22271215.563.5665 www.cwsdv.org `Bucks, Chester, Delaware, Montgomery, Philadelphia CCCS of Delaware Valley -West Chester 770 E Market St; STE 190 West Chester, PA 19382 800.989.2227/215.563.5665 www.cccsdv.org `Chester, Delaware CCCS of Lehigh Valley -Pottstown 1954 E High St Pottstown, PA 19464 866.889.9347 www.consumercreditlv.org 'Chester, Montgomery CCCS of Lehigh Valley -Quakertown 127 S. 5th St; STE 155 Quakertown, PA 18951 868.889.9347 www.consumercreditlv.org `Bucks CCCS of Lehigh Valley -Whitehall 3671 Crescent Court E Whitehall, PA 18052 888.889.9347 www.consumercreditlv.org `Carbon, Lancaster ,Lehigh, Schuylkill CCCS of Lehigh Valley -Wyomissing 833 N Park Rd, M; STE 103 Wyomissing, PA 18072 886.889.9347 www.consumercreditlv.org `Barks, Northampton CCCS of Northeastern PA - By Appt. Only 214 W. Walnut St Hazleton, PA 18201 600.922.9537 www.cccsnepa.org 'Carbon CCCS oT NoMeastem PA -Pittston 401 Laurel St Pittston, PA 18640 800.922.95371570.602.2227 CCCS of Western PA -Butler 112 Hollywood Dr; STE 101 Butler, PA 16001 888.511.22271888.511.2227 www.cccspa.org `Armstrong, Beaver, Butler, Clarion, Jefferson, Lawrence CCCS of Western PA -Ede 4402 Peach St; Lower Level Erie, PA 16509 888.511.2227!888.511.2227 www.cccspe.org `Crawrord, Elk, Ede, McKean, Mercer, Union, Venango, Warren CCCS of Western PA -Greensburg 1 N Gete Sq Greensburg, PA 15801 888.511.22271888.511.2227 www.cccspa.org 'Indiana, Westmoreland CCCS of Western PA -Harrisburg 2000 Linglestown Rd; STE 302 Hartisburg,PA 17110 888.511.2227/888.511.2227 www.cccspa.org 'Dauphin, Juniata, Lebanon, Mifflin, Northumbedand, Peny, Union CCCS of Western PA -Pittsburgh 2403 Sidney St; STE 400; River Park Commons Pittsburgh, PA 15203 888.511.2227/886.511.2227 www.cccspa.org `Allegheny, Cameron CCCS of Western PA -York 55 Clover Hill Road Dallastown, PA 17313 888.511.2227 / 888.511.2227 www.cccspa.org `Adams, Cumbedand, Franklin, Lancaster, Lebanon, York BASE, Incorporated 447 S. Prince St Lancaster, PA 17603 717.392.5467 www.baseinc.org 'Lancaster Bayfront Neighbortrood Action Team Organization, Inc. 312 Chestnut St Ede, PA 16507 814.459.2761 'Ede Blair County Community Action Agency 2100 6th Ave; STE 102 Altoona, PA 16602 800.238.97631814.946.3651 'Blair Barks Community Action Program, Inc. 247 N Fifth St Reading, PA 19601 610.375.7888 www.recc.edu/SodalService/b090.aspx 'Berks. Schuylkill, Montgomery CCCS of Delaware Valley -Coatesville 1001 East Lincoln Hwy; Suite 102 Coatesville, PA 19320 800.889.2227/215.563.5665 www.cccsdv.org 'Chester, Delaware CCCS of Delaware Valley -Jenkintown 261 Old York Rd; The Pavillion #401 Jenkintown, PA 19046 600.989.2227!215.563.5665 www.cccsdv.org 'Montgomery CCCS of Delaware Valley -Media 280 N Providence Rd Media, PA 19063 800.989.2227 ! 215.563.5665 www.cccsdv.org `Delaware CCCS of Delaware Valley -Philadelphia 7340 Jackson St Philadelphia, PA 19136 600.989.22271215.563.5885 www.cccsdv.org 'Philadelphia Center for Family Services, Inc. 213 W Center St Meadville, PA 16335 814.337.8450 www.thecenter-nwpa.org 'Crewford, Mercer, Venango www.cccsnepa.org Center in the Park 'Bradford, Carbon, Centre, Clearfield, Clinton, 5818 Germantown Ave Cdumbia, Elk, Juniata, Lackawanna, Luzeme, Philadelphia, PA 19144 Lycoming, Mifflin, Monroe, Momaur, 215.849.5100 Northumbertand, Pike, Potter, Schuylkill, www.centednthepark.org Snyder, Sullivan, Susquehanna, Tioga, Union, 'Philadelphia Wayne, Wyoming CCCS of Northeastern PA -State Colege 202 W Hamilton Ave State College, PA 16801 800.922.9537/814.238.3688 www.cccanepa.org 'Blair CCCS of Northeastern PA -Stroudsburg 471 Main St; STE 104 Stroudsburg, PA 18360 800.922.95371570.802.2227 www.cccsnepa.org `Monroe CCCS of Western PA -Altoona 917A Logan Blvd; Royal Remax Plaza Altoona, PA 16602 868.511.2227 /888.511.2227 www.cccspa.org 'Bedford, Blair, Cambda, Centre, Clearfield, Fulton, HunBngdon, Juniata, Somerset Chester Community Improvement Project 412 Ave of the States Chester, PA 19013 610.876.8863 'Chester, Delaware, Montgomery, Philadelphia Community Action Commission -Capital Region 1514 Deny St Harrisburg, PA 171114 717.232.9757 www.cactdcounty.org 'Cumberland, Dauphin, Perry Community AcBOn Partnership of Mercer County 75 S Dods St Sharon, PA 16146 724.342.3532 www.capmercer.org `Mercer "Indicates Counties Serviced Community Action Southwest -Washington County 150 W Beau St; STE 304 Washington, PA 15301 877.814.07881724.852.2893 www.caswg.org 'Washington Community AcBon Southwest - Waynesburg/Greene 58 E Greene St Waynesburg, PA 15370 877.814.0788 / 724.225.9550 www.caswg.org 'Fayette, Greene, Huntlngdon, Westmoreland Commission on Economic Oppor[untty -Wilkes -Barre 165 Amber Lane Wilkes-Barre, PA 18702 800.822.0359/570.826.0510 www.ceopeoplehelpingpeople.org `Carbon, Columbia, Luzeme, Monroe Community Actlon Committee of the Lehigh Valley 1337 E Fifth St Bethlehem, PA 18015 610.691.5620 www.ceclv.org 'Barks, Carbon, Lehigh, Monroe, Northampton CONGRESO 216 W Somerset St Philadelphia, PA 19133 215.763.8870 www.congreso.net `Philadelphia Council of Spanish Speaking Organ¢ation (CONCILIO) 705-09 N Franklin St Philadelphia, PA 19123 215.627.3100 elcondlio.net 'Philadelphia Credit Counseling Center 832 2nd St Pike Richboro, PA 18954 877.900.4222/215.396.1880 www.ccc-credit.com 'Bucks, Delaware, Montgomery, Philadelphia Credit Counseling Center 4178 Mill St Bristol, PA 19007 www.cco~creditcom 'Bucks, Delaware, Montgomery, Philadelphia De-Network Housing Ministries, Inc. 1529 N. 7th St Philadelphia, PA 19122 215.927.3227 www.danelworkhousing. org 'Philadelphia Diversified Community Services (~ Dixon House 1920 S 20th St Philadelphia, PA 19145 215.336.3511 www.dcsphila.org "Bucks, Delaware, Philadelphia Fair Housing Partnership of Greater Pittsburgh, Inc. 2840 Liberty Ave; STE 205 Pittsburgh, PA 15222 412.391.2535 www.pittsburg hfeirhousing. org `Allegheny Fayette Co. Community Action Agency, Inc. 108 N Beeson Blvd Uniomown, PA 15401 800.427.4636 / 724.437.6050 www.fccaa.org `Fayette, Somerset, Westmoreland Gafield Jubilee Association 5138 Penn Ave Pittsburgh, PA 15224 412.665.5204 'Allegheny Genesis Housing Corporation 208 DaKelb St; #212 Noristown, PA 19401 610.275.4357 www.genesishousing.org 'Bucks, Chester, Delaware, Montgomery, Philadelphia Germantown Settlement 5538 Wayne Ave; BLDG C Philadelphia, PA 19144 215.849.3104 www.gernantown.org `Delaware, Montgomery, Philadelphia Grace Neighborhood Development Corpore8on 5200 Oxford Ave Philadelphia, PA 19124 215.535.3885 'Philadelphia Greater Erie Community Action Committee 18 W 9th St Ede, PA 16501 814.459.4581 www.gecac.org 'Erie, McKean, Venango, Warren Harrisburg Fair Housing Councl 2100 N 6th St Harisburg, PA 17110 717238.9540 'Cumberand, Dauphin, Perry Hispanic Assoda8on of Contractors and Enterprise (RACE) Philadelphia 167 W Allegheny Ave; STE 200 Philadelphia, PA 19140 215.426.1151 'Philadelphia Housing Alliance of York 35 S Duke St York PA 17401 717.854.1541 www. housingallianceofyork.com 'Adams, York Housing Assoaadon of Delaware Valley (HADV)- Housing Association Information Program (HAIP) 658 N Watts St Philadelphia, PA 19123 215.978.0224 www.hadv.org `Delaware, Philadelphia Housing and Redevelopment Authority - Cumbedand Cnty 114 N Hanover St; STE 104 Cadisle, PA 17013 866.683.5907/717.249.0789 www.cchre.com `Cumberland Housing Development Corporation of Northeastern PA 163 Amber Ln Wilkes Barre, PA 18702 570.824.4803 `Luzeme, Wyoming Housing Opportunifies of Beaver County 282 Eest End Ave Beaver, PA 15009 724.728.7511 www.hobanfo.org 'Beaver, Butler, Lawrence Housing Authority of the County of Butler 114 Woody Dr Butler, PA 16001 800.433.6327/724.287.6797 www.housingeuthodty.com/Homeownership_Pr ogrem.html 'Allegheny, Armstrong, Beaver, Butler, Clarion, Lawrence Housing Partnership of Chester County 41 W Lancaster Ave Downingtown, PA 19335 610.518.1522 www.housingpartnershipcc.com 'Chester, Delaware, Montgomery Indiana County Community Action Program, Inc. 827 Water St Indiana, PA 15701 724.465.2657 www.iccap.net 'Armstrong, Cambda, Cleafiekl, Indiana, Jefterson, Westmoreland Intercutturel Family Services, Inc. 4225 Chestrrut St Philadelphia, PA 19104 215.386.1298 www.ifsinc.org 'Delaware, Philadelphia Korean Community Development Services Center 6055 N 5th St Philadelphia, PA 19120 215.276.8830 www.koreancenter.org `Delaware, Philadelphia Lancaster Housing Opportunities Partnership 44 N ChdsBan St; STE 300 Lancaster, PA 17602 717.291.9945 www.lhop.org 'Lancaster Lawrence County Community Action PaMership (LCCAP) 241 W Grant St New Castle, PA 16101 888.252.5104/724.658.7258 www.lccap.org/h.php 'Lawrence Lebanon County Housing and Redevelopment Authority 303 Chestnut St Lebanon, PA 17042 717.273.9326 www.lebanoncountyhousing.com `Lebanon Liberty Resources, Inc. (Serving Allentown and Philadelphia) 714 Market St; STE 100 Philadelphia, PA 19106 886.634.2155!215.634.2000 www.libertyresources.org 'Bucks, Chester, Delaware, Montgomery, Philadelphia Loveship, Inc. 2320 N 5th St Harrisburg, PA 17110 717.232.2207 "Cumberland, Dauphin, Peny Media Fellowship House, Inc. 4302 S Jackson St Media, PA 19063 610.565.0434 www.mediafellowshiphouse.arg 'Chester, Delaware, Montgomery Mon Valley Initiative 305 E Eighth Ave Homestead, PA 15120 412.464.4000 www.monvalleyini8afive.com 'Allegheny, Amrsbong, Beaver, Butler , Fayette, Greene, Indiana, Washington, Westmoreland Mt. Airy USA 6703 Gertnantawn Ave; STE 200 Philadelphia, PA 19119 215.844.6021 www.mtairyusa.org `Philadelphia Nazareth Housing Services (HE and C) 320 Brownsville Rd Pittsburgh, PA 15210 412.361.6925 www.mtnazarethcenter.org/nazare~ housing.h tml 'Allegheny Neighborhood Housing Services of Lackawanna County 709 E Market St Scranton, PA 18509 570.558.2490 www.nhslackawannapa.org 'Lackawanna, Pike, Wayne Neighborhood Housing Services of Philadelphia 121 N Broad St; #5 Philadelphia, PA 19107 215.476.4205 www.phillynhs.org `Philadelphia Neighborhood Housing Services Greater Barks 213 N 5th St; STE 1030 Reading, PA 19601 610.372.8433 www.nhsreading.org 'Barks Neighborworks Western PA 710 Fifth Ave; STE 1000 Pittsburgh, PA 15219 412.281.9773 www.nwwpa.org 'Allegheny, Armstrong, Beaver, Buller, Cambria, Fayette, Greene, Washington, Westmoreland New Kensington Community Development Corp.(NKCDC) 2515 Frenkford Ave Philadelphia, PA 19125 215.427.0350 www.nkcdaorg 'Philadelphia NID-Housing Counseling-Philadelphia 3212 W. Cheltenham Ave Philadelphia, PA 19150 267.385.7624 'Delaware, Montgomery, Philadelphia Northam Cambria Community Development Corp. (NORCAM Group) 4200 Crawford Avenue Suite 200 Northam Cambria, PA 15714 888.676.8761/814.948.4444 'Bedford, Blair, Cambria, Cameron, Centre, Clearfield, Elk, Erie, Huntingdon, Jefferson, Somerset Northam Tier Community Action Corp. 135 West 4th Street Emporium, PA 15834 814.486.1161 'Cameron, Elk, McKean, Potter Northwest Counseling Service, Inc. 5001 North Broad Street Philadelphia, PA 19141 215.324.7500 'Bucks, Chester, Delaware, Montgomery, Philadelphia The Partnership CDC 4020 Market St; STE 100 Philadelphia, PA 19104 215.662.1612 www.thepertnershipcdc.org 'Philadelphia Pathstone Corpore8on Pennsylvania 1625 North Second St Hartisburg,PA 17102 717.234.6676 www.rurelisc.org/pathstone~a.htm `Adams, Barks, Cambria, Chester, Clearfield, Cumberland, Dauphin, Frenklin, Somerset Pennsylvania Interfaith Community Programs, Inc. - Adam's County Housing Authority (ACHA) 40 E High St Gettysburg, PA 17325 717.334.1518 www.ademscha.org 'Adams, Franklin, Cumbedand, Lackawanna , York Philadelphia Coundl for Community Advancement (PCCA) 7617 JFK BNd; STE 1550 Philadelphia, PA 19103 215.567.7803 www.pccahousing.org 'Bucks, Chester, Delaware, Montgomery, Philadelphia `Indicates Counties Serviced Pittsburgh Community Reinvestment Group St Martin Center, Inc. Urban League of Pittsburgh (PCRG) 1701 Parade St 610 Wood Street 1901 Centre Avenue; STE 200 Erie, PA 16503 Pittsburgh, PA 15222 Pittsburgh, PA 15219 814.452.6113 412.227.4163 412.391.6732 www.stmartincenter.org www.ulpgh.org www.pcrg.org 'Centre, Crawford, Erie, McKean, Mercer, `Allegheny 'Allegheny Venango, Warren Schuylkill Community Action 225 N Center St Pottsville, PA 17901 570.622.1995 vnvw.schuylkillcommunityaction.com 'Barks, Carbon, Lebanon, Lehigh, Luzeme, Northumberland, Schuylkill Shenango Valley Urban League 601 Indiana Ave Farrell, PA 19121 724.981.5310 www.svul.org "Buller, Crewford, Lawrence ,Venango South of South Neighborhood AssociaEon, Inc. (SOSNA) 1901 ChdsBan St Philadelphia, PA 19146 215.732.8446 www.southofsouth.org `Philadelphia South Philadelphia HOMES, Inc. (SPRING) 1444 Point Breeze Ave Philadelphia, PA 19146 800.349.59041215.334.4430 www.sphinc.com `Philadelphia Southwest Community Development Corporetion 6328 Paschall Ave Philadelphia, PA 19142 215.729.0800 www.southwestcdc.org 'Delaware, Philadelphia Southwestern PA Legal Services -Fayette County. 48 E Main Sl Uniontown, PA 15401 888.855.3873!724.439.3591 www.splas.org 'Fayette Southwestern PA Legal Services -Greene County 63 S Washington St Waynesburg, PA 15370 888.855.3873 ! 724.627.3127 www.splas.org 'Greene Southwestern PA Legal Services -Somerset County 132 E. Catherine St Somerset, PA 15501 800.855.3873 / 814.443.4615 www.splas.org `Somerset Southwestern PA Legal Services -Washington County 10 W Cherty Ave Washingon, PA 15301 888.855.3873/724.225.6170 www.splas.org 'Washington Step, Inc. (a.k.a. Lycoming-CIIMOn Counties Commission for Community Action) 2138 Lincoln St Williamsport, PA 17701 800.346.3020/570.326.0587 www.stepcorp.org 'Centre, Clinton, Lycoming, Union Tableland Services Inc.lCommunity Action Partnership for Somerset Cnry 535 E Main St Somerset, PA 15501 800.452.0148/814.445.9628 www.capfsc.org 'Bedford, Cambria, Fayette, Somerset, Westmoreland TABOR Community Services, Inc. 308 E King St Lancaster, PA 17608 800.788.5062/717.397.5182 www.tabomet.org 'Chester, Lancaster, Lebanon TREHAB Center, Inc. 703 S Elmer Ave; STE 104 Sayre, PA 18840 800.982.4045 ! 570.888.0412 www.trehab.org "Bredford TREHAB Center, Inc. 10 Public Ave Montrose, PA 18801 800.982.4045/570.278.3338 www.trehab.org 'Susquehanna Voices forlndependence 1107 Payne Ave Ede, PA 16503 866.407.0084 / 814.874.0064 www.voicesfodndependence.org 'Garion, Elk, Erie, MdCean, Mercer, Venango Warren-Forest Counties ~ Economic Opportunity Coundl (EOC) 1209 Pennsylvania Ave, W Warren, PA 16365 800.231.1797 / 814.726.2400 www.wfcaa.org `Crewford, Forest, McKean, Warren West Oak Lane Community Development Corporetion (CDC) 6259 Limekiln Pike Philadelphia, PA 19141 215.224.0880 `Montgomery, Philadelphia Westmoreland Community Action 226 S Maple Ave Greensburg, PA 15601 800.816.0022 ! 724.834.1260 www.westmorelandca.org `Westmoreland Women's Opportunity Resource Center (WORC) 2010 Chestnut St Philadelphia, PA 19103 215.564.5500 www.wortrpa.com `Philadelphia TREHAB Center, Inc. - Tioga County 52 Plaza Ln Wellsboro, PA 16901 866.656.7788/570.724.5252 www.trehab.org Tioga United Communi8es Southeast Philadelphia 2029 S 8th St Philadelphia, PA 19148 215.467.8700 www.ucsep.org `Philadelphia United Neighborhood Centers of Northeastern PA 410 Olive St Scranton, PA 18505 570.343.8835 'Lackawanna Universal Companies -Universal Community Homes 800 S 15th St Philadelphia, PA 19146 215.732.6518 'Philadelphia Urban League of Philadelphia 121 S Broad St; 91h FL Philadelphia, PA 19107 215.985.3220 www.urbanleaguephile.org `Bucks, Chester, Delaware, Montgomery, Philadelphia V E R I F I C A T I O N The undersigned, hereby states that he/she is the attorney for the Plaintiff, a corporation unless designated otherwise; that he/she is authorized to make this Verification and does so because of the exigencies regarding this matter, and because Plaintiff must verify much of the information through agents, and because he/she has personal knowledge of some of the facts averred in the foregoing pleading; and that the statements made in the foregoing pleading are true and correct to the best of his/her knowledge, information and belief and the source of his information is public records and reports of Plaintiff's agents. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. ICES, P.,C. is Atto or Plain ff MARK J. REN, ESQUIRE STU T W NNEG, ESQUIRE LOR INE DOYLE, ESQUIRE M. INATO, ESQUIRE C ARKEMA, ESQUIRE LOUIS A. SIMONI, ESQUIRE ADAM L. KAYES, ESQUIRE MARGUERITE L. THOMAS, ESQUIRE UDREN LAW OFFICES, P.C. MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 ADAM L. KAYES, ESQUIRE - ID #86408 MARGUERITE L. THOMAS, ESQUIRE - ID #204460 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Wells Fargo Bank, N.A., as Trustee for Securitized Asset Backed Receivables LLC Trust 2005-OP1, Mortgage Pass- Through Certificates, Series 2005-OP1 P.O. Box 961730 Irving, TX '75063 Plaintiff V. Penelope A. Zayas United States of America 271 Newville Road Shippensburg, PA 17257 Defendant (s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 10-4953 -0 cc; Cn 2 <e. 9 3 c: ., ut tv v PRAECIPE TO FILE STIPULATION BETWEEN PLAINTIFF AND THE UNITED STATES OF AMERICA TO THE PROTHONOTARY: Kindly file the attached Stipulation Between Plaintiff and the United States of America with regard to the captioned matter. Date: August 25, 2010 UDREN/LAW OFFICES, P.C. BY Attorneys for Plaintiff MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE LORRAINE DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE ADAM L. KAYES, ESQUIRE MARGUERITE L. THOMAS, ESQUIRE UDREN LAW OFFICES, P.C. MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRB - ID #75860 CHANDRA M. ARREMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com ATTORNEY FOR PLAINTIFF Wells Fargo Bank, N.A., as :COURT OF COMMON PLEAS Trustee for Securitized Asset :CIVIL DIVISION Backed Receivables LLC Trust :Cumberland County e? ~ 2005-OP1, Mortgage Pass-Through ~,. --- Certificates, Series 2005-OP1 :MORTGAGE FORECLOSURE ~cc o ~-ri P.O. Box 961730 .,rt_r''~ rn ~~. Irving, TX 75063 ~~~ N ~rn Plaintiff ~ _ rr c~ ~`+ c~ Penelope A. Zayas NO. 10-4953 =~',-~~ ~ --tom United States of America -°+ ~ x'' 271 Newville Road _.~ ~ ~a -,, Shippensburg, PA 17257 Defendant(s) PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against the Defendant(s) Penelope A. Zayas, ONLY for failure to file an Answer to Plaintiff's Complaint within 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: As set forth in Complaint $224,896.51 Interest Per Complaint 2,498.06 From 07/15/2010 to 09/25/2010 Late charges per Complaint 232.32 From 07/15/2010 to 09/25/2010 Escrow payment per Complaint 507.64 From 07/15/2010 to 09/25/2010 TOTAL $228,134.53 I hereby certify that (1) the addresses of the Plaintiff and Defendant are as shown above, and (2) that notice has been given in accordance with Rule 237.1, a copy of which is attached hereto. UDREN . BY: MARK J. UDREN, ESQUIRE STUART WINNEG, ESQUIRE ~/y.~O~~ ~~ LORRAINE DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M . ARKEMA, ESQUIRE C~ `~ ~ ` .~ DAMAGES ARE HEREBY. ASSESSED AS INDICATED cs~. DATE : C~/~ ~ ~`~ Ray 878 PRO '~ ~c~ i c~ rr~-c ~ UDREN LAW OFFICES, P.C. MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINT DOYL$, BSQIIIRE - ID #34576 ALAN M. MIi~tP.TO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQIIIRE - ID #203437 LOUIS A. SIMONI, ESQUIRE - ID #200869 ADAM L. KAYES, ESQUIRE - ID #86408 MARGUERITE L. THOMAS, ESQUIRE - ID #204460 WOQDCREST CORPORATE CENTER 11.1 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings(~udren.com Wells Fargo Bank; N.A., as Trustee far Securitized Asset Backed Receivables LLC Trust 2005-OP1, Mortgage Pass- Through Certificates, Series 2005-OP1 P.O. Box 951730 Irving, TX 75063 Plaintiff v. Penelope A. Zayas 271 Newville Road Shippensburg, PA 17257 United States of America 228 Walnut Street P.O. Box 11754 Harrisburg, PA 17108 Defendant (s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County c: ., ~~~ - _ _, 'a ._ ~ NO. ~Q - ~q~ CEVII~°l~- COMPLAINT IN MORTGAGE FORECLOSURE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20} days after this Complaint and Notice are served, by entering a written appearance personally or. by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. ll )l lf' U ~t SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff ~~~~ of ~.rea,~,~~b Jody S Smith ~-;~~ Chief Deputy "~~~ ~'~~~ -z,~ Richard W Stewart ~"- ~~°"~`°' Solicitor ~~ o€ ~'°~ s~'F~ Wells Fargo Bank Case Number vs. 2010-4953 Penelope A. Zayas (et al.) SHERIFF'S RETURN OF SERVICE 08/02/2010 Ronny R. Anderson, Sheriff who being duly swom according to law states that he made a diligent search and inquiry for the within named defendant, to wit: United States of America, but was unable to locate them in his bailiwick. He therefore deputized the Sheriff of Dauphin County, PA to serve the within Complaint In Mortgage Foreclosure according to law. 08/05/2010 08:23 AM -Dauphin County Retum: And now August 5, 2010 0823 hours I, Jack Latwick, Sheriff of Dauphin County, Pennsylvania, do herby certify and return that 1 served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: The United States of America by making known unto Susan Melendez, Receptionist for The United States of America at 228 Walnut Street, Federal Building, Harrisburg, PA 17106 its contents and at the same time handing to her personally the said true and correct copy of the same. 08/06/2010 05:20 PM -Ronald Hoover, Deputy Sheriff, who being duly swom according to law, states that on August 6, 2010 at 1720 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the - - within named defendant, to wit: Penelope A. Zayas, by making known unto John Appenzeltar, adult in charge at 271 Newville Road, 5hippensburg, Cumberland County, Pennsylvania 17257 its contents and at the same time handing to him personally the said true and correct copy of the same. ~` ~/ ~ RONALD HOOVER, DEPUTY SHERIFF COST: $71.00 SO ANSWERS, ~~~ August 10, 2010 RON R ANDERSON, SHERIFF !ci Go~ciiySute She.^ft, Teieasott, h? / V `~' ~ ~ ~ 7 'ti ~~~ Mary Jane Sn~der Rea) Estate Depu William T. Tully ~JOhCI[OF :: • Dauphin County Harrisburg, Pennsylvania 17101 ph: (717) 780-6590 fax: (717) 25i-2889 Charles E. Sheaffer Chief Deputy Michael W. Rinehart Assistant Chief Deputy Jack Lotwick Sheriff Commonwealth of Pennsylvania County of Dauphin WELLS FARGO BANK VS UNITED STATES OF AMERICA Sheriff s Return No. 2010-T-2594 And now: AUGUST S, 2010 at 8:23:00 AM served the within COMPLAINT IN MORTGAGE FORECLOSURE upon UNITED STATES OF AMERICA by personally handing to SUSAN MELENDEZ 1 true attested copy of the original COMPLAINT IN MORTGAGE FORECLOSURE and making known to him/her the contents thereof at 228 WALNUT STREET, FEDERAL BLDG HBG PA 17108 OTHER COUNTY CASE # 20104953 RECEPTIONIST Deputy: G MILLER Plaintiff: WELLS FARGO BANK Sheriff s Costs: $41.25 8/3/2010 Out Of County Cost: So Answers, ~~~~~~ Sheriff of Dauphin County, Pa. ay of A. ~~d ~ r~ ~~ TFIONOTARY DAUP COUhTTY COIvlNi4S5lON E PIRES 1~S'r IvIONDAY 1AR't3ARY. 2a~ Sworn to and subscribe,~i before me this ~ T°~ d UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DQYL$, ESQUIRS - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARREMA, ESQUIRE - ID #203437 ADAM L. KAYES, ESQUIRE - ID #86408 MARGUERITE L. THOMAS, ESQUIRE - ID #204460 WOODCREST CORPORATE CENTER 111 WOODGREST ROAD, SUITE 200 CHERRY SILL, NJ 08003 856-669-5400 Wells Fargo Bank, N.A_, as Trustee for :COURT OF COMMON PLEAS Securitized Asset Backed Receivables LLC :CIVIL DIVISION Trust 2005-OP1, Mortga e Pass-Through =Cumberland County Certificates, Series 205-OP1 Plaintiff v. _ Penelope A. Zayas United States of America =NO. 10-4953 Defendant(s) _ TO: Penelope,A. Zayas 271 Newville Road Shippensburg, PA 17257 Date of Notice: September 14, 2010 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEX AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. TF 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle PA 17013 800-930-9108 NOTIFICACION IMPORTANT}3 LISTED SE ENCUENTRA EN ESTADO DE REBELDIA POR NO HABER TOMADO LA ACCION REQUTRIDA DE SU PARTE EN ESTE CASO. AL NO TOMAR LA ACCION DEBIDA DENTRO DE UN TERMING DE DIEZ (10) DIAS DE ESTA NOTIFICACION EL TRIBUNAL PODRA SIN NECESIDAD DE COMPARARECER LISTED EN CORTE O ESCUCHe~iR PREUBA ALGUNA DfCTAR SENTENCIA EN SU CONTRA, LISTED PUEDE PERDER BIENES Y OTROS DERECHOS~, IMPORTANTES. DEBE LLEVAR ESTA NOTIFICACION A UN ABOGADO IMMEDIATAMENTE SI LISTED NO TIENE ABOGADO O SI NO TIENE DINERO SUFICIENTE PARA TAL SERVICIO, VAYA EN PERSONA O LLAM~ POR TELEFONO A LA OFTCINA, CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARR AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSISTENCIA LEGAL. SERVICIO DE REFERENCIA LEGAL LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle PA 17013 800-930-9108 NOTICE: PURSUANT TO THE FAIR DEBT COLLSCTION PRACTICES ACT, THIS LAW FIRM IS DEEMED TO BE A D$BT COLL$CTOR AND THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ALAN M. MINATO~ ESQUIRE CHANDRA M. ARKENfA, ESQUIRE ADAM L. KAYES, ESQUIRE MARGUERITE L. THOMAS, ESQUIRE Woodcrest Corporate Center 111 Woodcrest load, Suite 200 Cherry Hill, New Jersey 08003-3620 [JDREN LAW OFFICES, P.C. MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 0$003-3620 856-669-5400 pleadings@udren.com Wells Fargo Bank, N.A., as Trustee for Securitized Asset Backed Receivables LLC Trust 2005-OPl, Mortgage Pass- Through Certificates, Series 2005-OPl Plaintiff v. Penelope A. Zayas United States of America Defendant (s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE NO. 10-4953 AFFIDAVIT OF NON-MILITARY SERVICE STATE OF NEW JERSEY COUNTY OF CAMDEN SS THE UNDERSIGNED being duly sworn, deposes and says that the averments herein are based upon investigations made and records maintained by us either as Plaintiff or as servicing agent of the Plaintiff herein and that the above Defendant(s) are not in the Military or Naval Service of the United States of America or its Allies as defined in the Servicemembers' Civil Relief Act (108 P.L. 189; 117 stat. 2835; 2003 Enacted x.R. 100), and that the age. and last known residence and employment of each Defendant are as follows: Defendant: Age. Residence: Employment: Defendant: Age. Residence: Employment: Penelope A. Zayas Over 18 As captioned above Unknown United States of America Over 18 As captioned abov Unknown Swain tc~ acid subscribed befci~~e me t~.is 25 day ~~~_.September, 2010. Name : -` Title: ATTORNEY INTIFF Company: UDREN LAW OFFICES, P.C. l~~t~ry -- i~tdTA~(Y p~,~[(~ WEW 1~ ~~1W15R013 UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF ' MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75.860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE. CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadingsCudren.com Wells Fargo Bank, N.A., as :COURT OF COMMON PLEAS Trustee for Securitized Asset :CIVIL DIVISION Backed Receivables LLC Trust =. Cumberland County 2005-OP1, Mortgage Pass- Through Certificates, Series :MORTGAGE FORECLOSURE 2005-OP1 Plaintiff v. 6 Penelope A. Zayas United States of America €N0. 10-4953 Defendant (s ) TO: Penelope A. Zayas 271 Newville Road Shippensburg, PA 17257 NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. Prothonotary X Judgment by Default ~,,, Money Judgment Judgment in Replevin ~~~.~ ~a Judgment for Possession Judgment on Award of Arbitration Judgment on Verdict Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE PLEASE CALL: ATTORNEY Mark J. Udren, Esquire At this telephone number: 856-669-5400 UDREN LAW OFFICES, P.C. ATTORNEY MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com FOR PLAINTIFF Wells Fargo Bank, N.A., as :COURT OF COMMON PLEAS Trustee for Securitized Asset :CIVIL DIVISION Backed Receivables LLC Trust 'Cumberland County 2005-OP1, Mortgage Pass- Through Certificates, Series €MORTGAGE FORECLOSURE 2005-OPl Plaintiff v. E Penelope A. Zayas €NO. 10-4953 United States of America Defendant (s ) PRAECIPE FOR WRIT OF EXECUTION TO THE PROTHONOTARY: Please issue Writ of Execution in the above matter: Amount due Interest From 09/26/2010 to Date of Sale March 2, 2011 Ongoing Per Diem of 34.22 to actual date of sale including if held at a later date (Costs to be added) ~a`~• as ~~ ~ ''1l. p p (;BF ~a. D D ~~ I~• 00 '' d. So << ~ 0103.50 - Pp A'1'T~/ ~ 01.00 ~veCo •50 lL $228,134.53 5,406.76 sale is N r-~-i -~ tv -.~ n4 ca 0 --•~ rn ~ ~~ ~~ ~'' ~` -~i ~7 -~'t ~~ C> r„~ UDREN I~ S, P.C. BY: torne s for Plaintiff STUART WINNEG, ESQUIRE LORRAINE DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE ~l,~rit~ r~ c €~ ~~ <n ~' _.~ ~ r ~. .,~c~ -~ o ~~, ~ -a ~` ~~l l~1L3~ ~ ~.Yg74o UDREN LAW OFFICES, P.C. MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com ATTORNEY FOR PLAINTIFF Wells Fargo Bank, N.A., as :COURT OF COMMON PLEAS Trustee for Securitized Asset ?CIVIL DIVISION Backed Receivables LLC Trust :Cumberland County 2005-OP1, Mortgage Pass- Through Certificates, Series :MORTGAGE FORECLOSURE 2005-OP1 ~ ~ a `'~ Plaintiff ~ ~, ~, -~ v. ~~ ~ cn -te rn~ - a vim Penelope A. Zayas @NO. 10-4953 ~~ ~ ~~ United States of America ~- --~o Defendant (s) , ~~' ~' ~ ~~ ~ v ~c;a ~ '~ ~ C E R T I F I C A T E ~ ~, ~ I hereby state that as the attorney for the Plaintiff in the above-captioned matter and that the premises are not subject t o the provisions of Act 91 because it is: ( ) An FHA insured mortgage ( ) Non-owner occupied ( ) Vacant ( X ) Act 91 procedures have been fulfilled. ( ) Over 24 months delinquent. This certification is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. UD P.C. BY: Attorn aintiff MARK J. UDREN,- ESQ 'RE STUART WINNEG, ESQUIRE LORRAINE DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE UDREN LAW OFFICES, P.C. ATTORNEY MARK J. UDREN, ESQUIRE - ID #04302 ~ STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARREMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com FOR PLAINTIFF Wells Fargo Bank, N.A., as :COURT OF COMMON PLEAS Trustee for Securitized Asset :CIVIL DIVISION Backed Receivables LLC Trust :Cumberland County 2005-OP1, Mortgage Pass- Through Certificates, Series :MORTGAGE FORECLOSURE 2005-OPl Plaintiff v. Penelope A. Zayas €NO. 10-4953 United States of America Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129.1 ~ a rxa rs?~ ~ '~ ~~ ~~ =~e - ~ --i ca A ._._ Wells Fargo Bank, N.A., as Trustee for Securitized Asset Backed Receivables LLC Trust 2005-OPl, Mortgage Pass-Through Certificates, Series 2005-OP1, Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 271 Newville Road, Shippensburg, PA 17257 1. Name and address of Owner(s) or reputed Owner(s): Name Address Penelope A. Zayas 271 Newville Road Shippensburg, PA 17257 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS #1 ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address Wells Fargo Bank N.A. C/O Goldbeck McCafferty & Mckeever Suite 5000-Mellon Independence Ctr 701 Market Street Philadelphia, PA 19106 LVNV Funding, LLC Assignee Address to Follow ~ of Lowe's Credit Card LVNV Funding, LLC as Address to Follow Assignee of Sears Law Offices of Alan R. Mege .Address to Follow Lyubov N. Kharlamova and Address to Follow minor child, Sophia M. Veseeva 4. Name and address of the last recorded holder of every mortgage of record: Name Address Wells Fargo Bank, N.A., P.O. Box 961730 as Trustee for Securitized Irving, TX 75063 Asset Backed Receivables LLC Trust 2005-OP1, Mortgage Pass-Through Certificates, Series 2005-OP1 5. Name and address of every other person who has any record lien on the property: Name Address NONE 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Name Address Real Estate Tax Dept. 1 Courthouse Square Carlisle, PA 17013 Domestic Relations Section Commonwealth of PA, Department of Revenue Internal Revenue Service Atty General of U.S. U.S.A. 13 N. Hanover Street Carlisle, PA 17013 Bureau of Compliance, PO Box 281230 Harrisburg, PA 17128-1230 Technical Support Group William Green Federal Bldg. 600 Arch St., Room 3259 Philadelphia, PA 19106 U.S. Dept. of Justice, Rm 5111 Main Justice Bldg., 10th & Constitution Ave. N.W. Washington, DC 20530 US Dept. of Justice U.S. Attorney, Federal Bldg. 228 Walnut St., P.O. Box 11754 Harrisburg, PA 17108 I verify that the statements made in this affidavit are true and ' correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. sec. 4904 relating to unsworn falsification to authorities. DATED: September 25, 2010 UDRE .C. BY : ( _._ ainti K J. UDREN, E RE ~STUART WINNEG, ESQUIRE LORRAINE DOYLE, ESQUIRE ALAN M. MINATO, ESQUIRE CHANDRA M. ARKEMA, ESQUIRE UDREN LAW OFFICES, P.C. MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadinQS@udren.com ATTORNEY FOR PLAINTIFF Wells Fargo Bank, N.A., as ?COURT OF COMMON PLEAS Trustee for Securitized Asset :CIVIL DIVISION Backed Receivables LLC Trust :Cumberland County 2005-OP1, Mortgage Pass- Through Certificates, Series :MORTGAGE FORECLOSURE 2005-OPl Plaintiff v. Penelope A. Zayas €NO. 10-4953 .United States of America Defendant (s ) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Penelope A. Zayas 271 Newville Road Shippensburg, PA 17257 c~ ;, u r~~} ~* ~~ cn r` _ ~ 3> ~o ~~ o N 0 rz-t ...c r.~ v c~ c~ +~ --~ n~ ~ m ~~ s~ , --+co ~~ ~~ ~rn D ,s; Your house (real estate) at 271 Newville Road, Shippensburg, PA 17257 is scheduled to be sold at the Sheriff's Sale on March 2, 2011, at 10:00AM in the Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $228,134.53, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate actioa: 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856) 669-5400. 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. 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 TARE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-669- 5400. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call 856-669-5400. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOII SHOIILD TAKE THIS PAPER TO YOIIR LAWYER AT ONCE. IF YOII DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OIIT WHERE YOII CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 800-990-9108 r UDREN LAW OFFICES, P.C. a MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576. ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pl;eadingsC~udren. com ATTORNEY FOR PLAINTIFF Wells Fargo Bank, N.A., as :COURT OF COMMON PLEAS Trustee for Securitized Asset :CIVIL DIVISION Backed Receivables LLC Trust :Cumberland County 2005-OP1, Mortgage Pass- Through Certificates, Series €MORTGAGE FORECLOSURE 2005-OPl Plaintiff v. Penelope A. Zayas €NO. 10-4953 United States of America Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: United States of America US Dept. Of Justice U.S. Attorney, Federal Bldg. 228 Walnut Street., P.O, Box 11754 Harrisburg, PA 17108 ;-~ ," co •~ ~ r-t ~ ~, c.7 --~ ~':~ ~ -~ .,a r" v~~ rv ~~ ~~ ~® -~ ~~ ~. ~ =~ ~ .. °m o A _,~ ._._ Your house (real estate) at 271 Newville Road, Shippensburg, PA 17257 is scheduled to be sold at the Sheriff's Sale on March 2, 2011, at 10:00AM in the Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $228,134.53, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed,-the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent .this Sheriff's Sale, you must take immediate actioa: The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856)-669-5400. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER ~ RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-669- 5400. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property: 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call 856-669-5400. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TARE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 800-990-9108 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 10-4953 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due WELLS FARGO BANK, N.A., as Trustee for SECURITIZED ASSET BACKED RECEIVABLES LLC TRUST 2005-OPl, MORTGAGE PASS- THROUGH CERTIFICATES, SERIES 2005-OPl, Plaintiff (s) From PENELOPE A. ZAYAS and UNITED STATES OF AMERICA (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 $228,134.53 L.L.$.50 Interest from 9/26/10 to Date of Sale 3/2/11 ongoing per diem of $34.22 to actual date of sale including if sale is held at a later date -- $5,406.76 Atty's Comm Atty Paid $203.50 Plaintiff Paid Date: 9/27/10 (Seal) Due Prothy $2.00 Other Costs Davi D. Buell, Prothonotary By: Deputy REQUESTING PARTY: Name: ALAN M. MINATO, ESQUIRE Address: UDREN LAW OFFICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 Attorney for: PLAINTIFF Telephone : 856-669-5400 Supreme Court ID No. 75860 1 t UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Wells Fargo Bank, N.A., as Trustee for ::COURT OF COMMON PLEAS Securitized Asset Backed Receivables LLC :CIVIL. DIVISION Trust 2005-OP1, Mortgage Pass-Through :Cumberland County Certificates, Series 2005-OP1 Plaintiff C- c"'? c? fy V. rnrn -? rn-v? Penelope A. Zayas ? C) United States of America :NO. 10-4953 r- -_J Wit? Defendant (s) - ?` C) AFFIDAVIT OF SERVICE PURSUANT TO Pa.R.C.P.RULE 3129.1 -C --J J Plaintiff, by its/his/her Attorney hereby verifies that: 1. A copy of the Notice of Sheriff's Sale, a true and correct copy of which is attached hereto as Exhibit "A", was sent to every recorded lienholder and every other interested party known as of the date of the filing of the Praecipe for the Writ of Execution, on the date(s) appearing on the attached Certificates of Mailing. 2. A Notice of Sheriff's Sale was sent to Defendant(s) by regular mail and certified mail on the date appearing on the attached Return Receipt, which was signed for by Defendant(s) on the date specified on the said Return Receipt. Copies of the said Notice and Return Receipt are attached hereto as Exhibit "B". 3. If a Return Receipt is not attached hereto, then service was by personal service on the date specified on the attached Return of Service, attached hereto as Exhibit "B". 4. If service was by order of Court, then proof of compliance with said Order is attached hereto as Exhibit "B". All Notices were served within the time limits set forth by Pa Rule C.P. 3129. This Affidavit is made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Dated: ?fhut-,J 2011 UDREN LAW OFFICES, P.C. Attorneys for Plaintiff Daniel S. Siedman, Esquire PA ID 306534 f 1 Wells Fargo Bank, N.A., as :COURT OF COMMON PLEAS Trustee for Securitized Asset :CIVIL DIVISION Backed Receivables LLC Trust Cumberland County 2005-OP1, Mortgage Pass- Through Certificates, Series :MORTGAGE FORECLOSURE 2005-OP1 Plaintiff V. Penelope A. Zayas ':NO. 10-4953 United States of America Defendant(s) UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 AMENDED AFFIDAVIT PURSUANT TO RULE 3129.1 Wells Fargo Bank, N.A., as Trustee for Securitized Asset Backed Receivables LLC Trust 2005-OP1, Mortgage Pass-Through Certificates, Series 2005-OP1, Plaintiff in the above action, by its attorney, Udren Law Offices, P.C., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 271 Newville Road, Shippensburg, PA 17257 1. Name and address of Owner(s) or reputed Owner(s): Name Address Penelope A. Zayas 271 Newville Road Shippensburg, PA 17257 2. Name and address of Defendant(s) in the Judgment: Name Address SAME AS #1 ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address Wells Fargo Bank N.A. C/O Goldbeck McCafferty & Mckeever Suite 5000-Mellon Independence Ctr 701 Market Street Philadelphia, PA 19106 LVNV Funding, LLC Assignee of Lowe's Credit Card c/o David R. Galloway, Amy F. Ehasz Amy F. Doyle, Mann Bracken LLP 4600 Trindle Road, Suite 300 Camp Hill, PA 17011 t LVNV Funding, LLC as Assignee of Sears LVNV Funding, LLC Law Offices of Alan R. Mege Lyubov N. Kharlamov, minor child, Sophia 4. Name and address of record: Name c/o Edwin A. Abrahamsen & Assoc. 120 North Keyser Aveenue Scranton, PA 18504 15 South Main Street Greenville, SC29601 P.O. Box 1426 Bethlehem, PA 18106-1426 3 and c/o Grace E. D'Alo, Esquire M. Veseeva Midpenn Legal Services 8 Irvine Row, Carlisle, PA 17013 of the last recorded holder of every mortgage Address Wells Fargo Bank, N.A., P.O. Box 961730 as Trustee for Securitized Irving, TX 75063 Asset Backed Receivables LLC Trust 2005-OP1, Mortgage 6501 Irvine Center Drive Pass-Through Certificates, Irvine, CA92618 Series 2005-OP1 5. Name and address of every other person who has any record lien on the property: Name Address NONE 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Name Address Real Estate Tax Dept. Domestic Relations Section Commonwealth of PA, Department of Revenue Internal Revenue Service Atty General of U.S. U.S.A. 1 Courthouse Square Carlisle, PA 7.7013 13 N. Hanover Street Carlisle, PA 7.7013 Bureau of Compliance, PO Box 281230 Harrisburg, PA 17128-1230 Technical Support Group William Green Federal Bldg. 600 Arch St., Room 3259 Philadelphia, PA 19106 U.S. Dept. of Justice, Rm 5111 Main Justice Bldg., 10th & Constitution Ave. N.W. Washington, DC" 20530 US Dept. of Justice U.S. Attorney, Federal Bldg. 228 Walnut St., P.O. Box 11754 Harrisburg, PA 17108 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Address Tenants/Occupants 271 Newville Road Shippensburg, PA 17257 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. sec. 4904 relating to unsworn falsification to authorities. DATED : G%-WI 9 , 2011 UDREN LAW OFFICES, P.C. BY: ' Attorneys tor Plaintiff Daniel S. Siedman, Esquire PA ID 306534 UDREN LAW OFFICES, P.C. MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 CHANDRA M. ARKEMA, ESQUIRE - ID #203437 ADAM L. KAYES, ESQUIRE - ID #86408 MARGUERITE L. THOMAS, ESQUIRE - ID #204460 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Wells Fargo Bank, N.A., as Trustee for Securitized Asset Backed Receivables LLC Trust 2005-OP1, Mortgage Pass- Through Certificates, Series 2005-OP1 Plaintiff V. Penelope A. Zayas United States of America Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 10-4953 TO: ALL PARTIES IN INTEREST AND CLAIMANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY OWNER(S): Penelope A. Zayas/United States of America PROPERTY: 271 Newville Road, Shippensburg, PA 17257 Improvements: RESIDENTIAL DWELLING The above captioned property is scheduled to be sold at the Cumberland County Sheriffs Sale on March 2. 2011, at 10:OOAM, in the Commissioners Hearing Room, 2ND Floor, Courthouse, Carlisle, PA. Our records indicate that you may hold a mortgage or judgment on the property which will be extinguished by the sale. You may wish to attend the sale to protect your interests. A Schedule of Distribution will be filed by the Sheriff on a date specified by the Sheriff not later than 30 days after sale. Distribution will be made in accordance with the schedule unless exceptions are filed thereto within 10 days after the filing of the schedule. EXI-MP311' A CD -0 (n CD -n D0 3 N cow V -n C Q C CD a- 1 U) '-? co 2) A CD Cn O 3 CD M 0 v O v O 3 rn? ?0 c Ba CD 0 CL - a 1 W 0 ID r- -- w -' Cli A W N -' ? O CO co V CA cn A W N r . O z m m c C7D > Cn cna3 Q =@ID s CCDD O C a CCDD 0 a o : 3 5 ? O C0 W CD CD 0 CD N r rn r r A c • - ? o (T< z Gn co p ? N O < p z ? 01 Of ??r OD) O < UCn° 7• 9- cD -.o? OD r cnC N?c rn ocn Cn to -i ?-4 rn -V 0m0 (n0 ?0 00 0c Z 3 m CD cn 0 < _N m Z < ' g7 z CZ ) - G)y O Z g 0o 0 cD D o > ?° D Z < Co ? m`' C? m n -- < Z T sc -n ? m >> o x I Q d° i m vj oa o v D V N Z c D (n ? o Z3 (D ? 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MAIN JUSTICE BUKJIM, ROOM 5111 C3 [? ° N or Po so - _-- --• Is" & CONSTI'PU'I?N AVENUE NW ._.:...... WASHINGTON, DC 23ip 11.1 ? Hasler "47 ? N ? N Gj K7 l d rn rl1 ?.a ?' ?o3C wZ 00 .A g o m OECD Di t ?J CJ a L? L-+ O O O M .C ru 0r w w ..0 L? 03 U'r I L406-000-30.OE9L NSd (-GA9y) 9002 isnBnV'006 ?I?inbui ue 6ui>lew ue4M m meseid. PUB idlem st4} aeeS -1N% '119w pue 96eisod 4;lm legal x!ge pue 4os;ep 'pepeau lou s! ; IlBW P®!3!1J80 941 uo Nieugsod a;l •BulPawisod 10; soluo ;sod a43 !l,e e4i lusseid esaeld 'pealsep s!;d!eoel payy pel;lue0 e4; uo Taw)s a43 4i!nn aos!dl!ew a43 Taw jo e43 es Gen))e? pelou;sey, 3uewef G a 11M G )polo IAPV '3us 9 pezl aWo sloes.. 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BOX 11754 ------------- ire' HARRISBURG, PA 17108 s V S i i i i i i LV06-000-ZO-0£41 NSd (Menay) 90OZ lanBnV 1009£ uuao=l Sd ?Inbul ue 6ul4ew ueyM 11 lusseid pue Idimi sly; BARS :1Ntl1dOdWl •Ilew pup aBBlsod 4;1m legal xljle pus 4oB;ep 'pepesu lou 91;dleoej IIBW PeI111je0 e4; uo ?jBw;sod 8;l tulYo8wlsod jo; soigo ;sod 94; le elo -I;7e e4;;usseid eseeld'pajisep sl;dlem peal Pagive0 s4; uo Niou4sod a;1 ¦ • "Aienj/aa pe,Pu;sey, ;uewesaopue 941 43IM eoeldp8w e43 4j8w jo NJelO e4; aslAPV •;ua a pezlJo4;n8 s,aesseJPPB io oesseippe all of pelopIsei eq ABw tianpep '081 leuoIJIppe u8 10d ¦ ®SdSfl Padnp a si;dlem IIBW poilgie0 jnod uo iBw;sod Jo; J4Alsm 8e19 eAleoei o1 e 8 `idleoe',pe;senbaa ldlaoea wn;ear aoei dj!9w pew a siop6np ?opu3 -eel e4; aenoa of eBB;sod elquollddB ppB pub alollje 843 01 (l WE iwOd Sd) ;d!aosa wnlea a 4oBpe pue eleldwoo mmgd 'eouues;dieoea wn;ea Mingo of •tieAllep ;o;oad eplnad o; pelsenbei eq ABw ad/eoeb -n;ed o 'eel leuogippe u8 jo3 ¦ •IIBW pee;slBea jo peansul jeplsuoo aseeld 'selgenleA Boa •IIBW pel;IlaeO 44m a301AOwd SI 3°JVw3AO3 30NVwnSNl ON ¦ 'IIBW Isuol;ewe4ul10 MP AUB Jo; algel!eAB;ou sI IIBIN pelM>Je0 ¦ ®I!BW Aluo;.P a la WupW ag.llNO ?t8w IIBW PGIRVG0 ¦ a :s?epu/tuea jusp WB?odw/ sieeA om; jo; soWeg IB Od Ul ?(q;de?l tienllep;o paooea y ¦ aosidlim .moR ao; js41;uspl enblun V ¦ ;dleoei Buwpew V ¦ :SBPIAOad IIBW PORIP99 zHYNs il- ¦ Complete items 1, 2, and 3. Also complete Item 4 If Restricted Delivery is desired. ¦ Print your name and address on the reverse so that we can return the card to you. ¦ Attach this card to the back of the mailpieco, or on the front if space permits. _ 1. Article Addressed to: USA, US ATTORNEY US DEPARTMENT OF JUSTICE FEDERAL BUILDING 228 WALNUT STREET-P.O. BOX 11754 HARRISBURG, PA 17108 A. Signature /1 IW Agent X 1. Y , C- z ,? ? Addressee B. ?R?eceived by (Printed Name) C. Date of Delivery ?? Llii\` c D. Is delivery add Ass different from Item 1? ? Yes If YES, enter delivery address below: ? No -twertlied E3 EweSs Mall ?? m Receipt for Merchandise E3 insured Mail [3 C.O.D. 4. Restricted Delivery? (Extra Fee) ? Yes c3 2. Article Number 7008 :L '140 0004 2633 9192 Type Mai (Transfer from service IabeO __ Domestic Return Receipt 102595.024&154 PS Form 3811, February 2004 ¦ Complete items 1, 2, and 3. Also complete Item 4 If Restricted Delivery is desired. ¦ Print your name and address on the reverse so that we can return the card to you. ¦ Attach this card to the back of the mailpiece, or on the front If space permits. 1. Article Addressed to: Internal Revenue Service Technical Support Group William Green Federal Bldg. 600 AAP Street, Rm 3259 PWia, PA 19106 E 2. Article Number (rransfer from service labso A. X B. ? Agent ? Addre C. Date of Deliver! D. Is delrv&y address di fererR frotn ItERh V ':z - If YES, enter delivery address below: ? No Service Type ? Expnrss Mail ? lsteredtum Receipt for Merchandise ? insured mail ? C.O.D. 4. Restricted Delivery? (Extra Fee) ? Yes 7008 1140 0004 2633 9178 PS Form 3811, February 2004 Domestic Return Receipt ¦ Complete items 1, 2, and 3. Also complete Item 4 If Restricted Delivery is desired. ¦ Print your name and address on the reverse so that we can return the card to you. ¦ Attach this card to the back of the marlpiece, or on the front if space permits. 1. Article Addressed to: US Attorney General US Department of Justice Main Justice Building, Room 5111 10' & Constitution Avenue NW Washington, DC 2053.0 A. Signature X 102595-024A-154 ? Agent ? Addresse, B. Received by (Printed Name) I C. Date of Deliver D. Is delivery address different from Item 1? ? Yes If YES, enter delivery address below: ? No Service Type ??ertlfled Mail ? Express Mall ? Registered N4lRetum Receipt for Merchandise ? Insured Mail ? C`O.D. 4. Restricted Delivery? (Extra Fee) ? Yes 2. Article Number 7008 1140 0004 2633 9185 (Transfer from service label PS Form 3811, February 2004 Domestic Return Receipt 102595-02-WI54 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor Wells Fargo Bank NA Case Number S. 2010-4953 Penelope A. Zayas (et al.) SHERIFF'S RETURN OF SERVICE 01/05/2011 02:19 PM - Deputy Sheldon Marshall, 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 271 Newville Road, Shippensburg, PA 17257, Cumberland County. 01/05/2011 02:20 PM - Deputy Sheldon Marshall, 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 Mark Applezinger, who accepted as "Adult Person in Charge" for Penelope A. Zayas at 271 Newville Road, Southampton Township, Shippensburg, PA 17257, Cumberland County. SHERIFF COST: $898.94 January 21, 2011 SO ANSWERS, 2", RON R ANDERSON, SHERIFF EXHIBIT UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Wells Fargo Bank, N.A., as :COURT OF COMMON PLEAS Trustee for Securitized Asset :CIVIL DIVISION Backed Receivables LLC Trust ;Cumberland County 2005-OP1, Mortgage Pass- Through Certificates, Series 2005-OP1 :NO. 10-4953 Plaintiff V. Penelope A. Zayas United States of America Defendant(s) C ? Zrn rn M.- Co -ur- ? i ;-" ?, -? ? C) , Drs C) C) 'Z .? OD The undersigned, hereby certifies that true and correct copies of the Notice of Sale was served upon the following person (s) named herein at their last known address or their attorney of record. xxxxxx Regular First Class Mail xxxxxx Certified Mail CERTIFICATE OF SERVICE Other (certificate of mailing) Date Served: October 25, 2010 TO: USA, US Attorney US Department of Justice 228 Walnut Street, P.O. Box 11754 Harrisburg, PA 17108 UDREN?LAW OFFICES, P.C. BY: Attorney for Plaintiff Daniel S. Siedman, Esquire PA ID 306514 0 xP.; N 4cia N - Ea FJ- P- Z ro (D U) Sg ?o '0 a ?Nrt rr AGO rt w rt" ow t-h (t to (D (D ro rr? ca to ? (D m o FJ(D'rJrtrt, J ft (D P- I ' ?1, 0 o ? (D (D ao h7 PJ Fj N P- 0 o? N 0 W X N J U1 14 Hailer O O vC -A v x-'mm rn F;'°O ?m orrnntn 'fl wom0 9 r z cz a) W F Q co co o a ru ti Er c, m m m m $ x _n Postage ru .ni IAL A Certified Fee S S Postmark p C p Q Realm Receipt Fee (Endorsement Required) Here G Q Restricted M*4" Fee 0 0 (Endorsement Required) ra rI Total Postage & Fees r9 r-3 u USA, US ATTY, US DOJ cc , Feces IkAdin co 0 C3 0 g, -A ----------- fV 228 Walnut Str*ef P O Box 11754 POM , . . o? x , .-W-M-9,2 Harrisburg, PA 17108 ---y------ X 9IBVT -- --_j w 00 oQN A 1 r t L408.000-m-om NSd (es/eney) qWz wn8nV 100[ R??nbui ue Bupsw ue4m 11 lueseid Pug 019381 sjga eneg :1N1 'flaw Pus eBelsod 411M legal Me PUS yoalep'pepeeu lou s! 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Also complete e • Print y ur name an n aamee and ddr?ess on desired. the reverse so that we can return the card to you. ¦ Attach this card to the back of the mailpiece, or on the front if space oarnkc USA, US ATTY, US DOJ Federal Building, , 228 Walnut Street, P.O. Box 11754, -Harrisburg, PA 17108 13 Re.""°" Mail OE?uresa Me0 apt for Memhandiae R ? Insured Mail E3 C.O.D. 2. Article Number - - -- -,,...?.r, 1 "`O° reed 13 Yes (Trans/erfror, wrVjw /") 70D8 1140 B0?4 2633 9208 PS Form 3811, February 2004 Domestic Retum Receipt 1025e6-02-M-1540 rn• CD 0 CD D N cn C CD C1 cn CD (n O --h 3 CD 0 m O O 4 O rn 0 c 3 a CD Q cn T O 3 w V -n CD v' c v co -41 O 3 3 w ?o n O CL Q Vc C m 3 W V N 7 r? O d Cn -' W N ? -? O CO co V m (n A W N O Z an v c D CD a 3 0 = m m N CD c a CD CL (J) a CL N 3 ?_ t7 f?D CO O N m N3 W CD N =NT7a z 0 m I'J CD D 00 M m C R (n * D ?pv Z (D C , CT 0) 0 0 v a- _ w co a Z m a C1 Z No ? m ( > CD CD =4 0 CD CD v 0 r - 0 CD CD W .. 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C X ? m - T (n m '. ? m m3 CD o a c 3 m d m acflo N ' N O m o N CD 0 y C 3m o 3 v. u, v ? y Oo m o n N=?a.v C 3 N m T? - O N N - O CD ( D MARK J UDREN & ASSOCIATES WOODCR ST CORPORATE CENTER 111 WO DCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003 856-660-5400 Wells Fargo Bank, N.A., as Trustee for Securitized Asset Backe Receivables LLC Trust 2005- P1, Mortgage Pass- Through Certificates, Series 2005-0P1 P.O. Box 961730 Irving, TX 75063 Plaintiff V. Penel pe A. Zayas Unite States of America 271 N wville Road Shipp nsburg, PA 17257 Defendant(s) TO TH8 PROTHONOTARY: and costs only. ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 10-4953 M CD 3V& ?M r t- vci ? o° r --? a ? -n co ?? rv Kindly mark the above captioned matter JUDGMENT WITHDRAWN DISCONTINUED WITHOUT PREJUDICE, upon payment of your At DATED April 19, 2011 Alan M. Minato, Esquire PA ID 75860 10070646-1