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Home My WebLink About10-6980GOLDBECK MCCAFFERTY & McKEEVER BV: MICHAEL T. MCKEEVER ATTORNEY I.D. #56129 SUITE 5000 - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106 (866) 413-2311 FILED -PT_ F I L-1;7 CT Mc P?"1 N07 -3 WELLS FARGO BANK, N.A., AS TRUSTEE FOR OPTION ONE MORTGAGE LOAN TRUST 2003-1, ASSET-BACKED CERTIFICATES, SERIES 2003-1 4650 Regent Blvd Irving, TX 75063 Plaintiff vs. CATHY COOPER Mortgagor LYNN C. COOPER Mortgagor and Record Owner 944 Emily Drive Mechanicsburg, PA 17055 Defendants T OF COMMON PLEAS OF Cumberland COUNTY CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE CIVIL A&i& MOR GAGE FCR7?! p-?, p 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 the 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 claim in the Complaint of for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 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 defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decider a favor del demandante y requiere que usted cumpla con todas las provisioner 'e esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. & $0k i ass.'°° 3, $ LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICO. VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 THIS FERM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. Resources available for Homeowners in Foreclosure ACT NOW! Even though your lender (and our client) has filed an Action of Mortgage Foreclosure against you, you still may be able to SAVE YOUR HOME FROM FORECLOSURE. 1). Call an attorney. For referrals to a qualified attorney call either of the following numbers: or 717- 243-9400. 2). Call the Consumer Credit Counseling Agency at 1-800-989-2227 for free counseling. 3). Visit HUD'S website www.hud.gov for Help for Homeowners Facing the Loss of Their Homes. 4). Pennsylvania Housing Finance Agency also offers other loan programs that may assist homeowners in default. Please See the PHFA website http://www.i)hfa.org/consumers/homeowners/real.aspx. 5). Call the Plaintiff (your lender) and ask to speak to someone about Loss Mitigation or Home Retention options. 6). Foreclosure Resource Center: http://www.philadelphiafed.org/foreclosure/ 7). Call or contact our office to request the amount to bring the account current, or payoff the mortgage or request a Loan Workout / Home Retention Package. Call our toll free number at 1-866-413-2311 or via email at homeretention(agoldbecklaw.com. Call Seth at 215-825-6329 or fax 215-825-6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215-825-6318 or Fax: 215-825-6418. Please reference our Attorney File Number of 103964FC. Para informacion en espanol puede communicarse con Loretta al 215-825-6344. This Action of Mortgage Foreclosure will continue unless you take action to stop it. COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff is WELLS FARGO BANK, N.A., AS TRUSTEE FOR OPTION ONE MORTGAGE LOAN TRUST 2003-1, ASSET-BACKED CERTIFICATES, SERIES 2003-1, 4650 Regent Blvd, Irving, TX 75063. 2. The names and addresses of the Defendants are CATHY COOPER, 944 Emily Drive, Mechanicsburg, PA 17055 who is the mortgagor only and LYNN C. COOPER, 944 Emily Drive, Mechanicsburg, PA 17055, who is the mortgagor and record owner of the mortgaged premises hereinafter described. 3. On November 29, 2002 mortgagors made, executed and delivered a mortgage upon the Property hereinafter described to OPTION ONE MORTGAGE CORPORATION, A CALIFORNIA CORPORATION, which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County as Book 1786 Page 4661. The mortgage has been assigned to: WELLS FARGO BANK, N.A., AS TRUSTEE FOR OPTION ONE MORTGAGE LOAN TRUST 2003-1, ASSET-BACKED CERTIFICATES, SERIES 2003-1 by assignment of Mortgage recorded on August 25, 2002 as Instrument #200828783. The Mortgage and Assignment(s) are matters of public record and are incorporated by this reference in accordance with Pennsylvania Rule of Civil Procedure 1019(g); which Rule relieves the Plaintiff from its obligation to attach documents to pleadings if those documents are matters of public record. 4. The Property subject to the Mortgage is more fully described in the legal description set forth as Exhibit "A" ("Property"). 5. The mortgage is in default because the monthly payments of principal and interest are due and unpaid for May 01, 2010 and each month thereafter and by the terms of the Mortgage, upon default in such payments for a period of one month or more, the entire principal balance and all interest due and other charges are due and collectible. 6. The following amounts are due to Plaintiff on the Mortgage: Principal Balance ....................................................................................$94,611.25 Interest from 04/01/2010 through 10/07/2010 at 5.0000% .......................$2,455.98 Per Diem interest rate at $12.96 Reasonable Attorney's Fee .......................................................................$1,300.00 Late Charges from 05/01/2010 to 10/07/2010 .............................................$118.25 Monthly late charge amount at $23.65 Monthly Escrow amount $220.76 Recoverable Balance .................................................................................$1,425.30 $99,910.78 7. If the Mortgage is reinstated prior to a Sheriff's Sale, the Attorney's Fees set forth above may be less than the amount demanded based on work actually performed. Plaintiff reserves the right to request additional attorney's fees if the complexity of the action results in fees in excess of the amount demanded. Further, Plaintiff will request recovery of all costs incurred in this action including, but not limited to, costs of suit, process serving and skip tracing, title searches, recording costs and any other costs of the action in accordance with the mortgage documents and applicable law. 8. Plaintiff is not seeking a judgment of personal liability (or an "in personam" judgment) against the Defendants in this Action but reserves its right to bring a separate Action to establish that right, if such right exists. If Defendants have received a discharge of their personal liability in a Bankruptcy proceeding, this Action of Mortgage Foreclosure is, in no way, an attempt to re-establish the personal liability that was discharged in Bankruptcy, but only to foreclose the Mortgage and sell the Property pursuant to Pennsylvania law. 9. Notice of Intention to Foreclose and a Notice of Homeowners' Emergency Mortgage Assistance has been sent to Defendants by certified and regular mail, as required by Act 160 of 1998 of the Commonwealth of Pennsylvania, on the date(s) set forth in the true and correct copy of such notice(s) attached hereto as Exhibit "B". The Defendants have not had the required face-to-face meeting within the required time and Plaintiff has no knowledge of any such meeting being requested by the Defendants through the Plaintiff, the Pennsylvania Housing Finance Agency, or any appropriate Consumer Credit Counseling Agency. WHEREFORE, Plaintiff demands a de terris judgment in mortgage foreclosure in the sum of $99,910.78, together with interest at the rate of $12.96, per day and other expenses, costs and charges incurred by the Plaintiff which are properly chargeable in accordance with the terms of the Mortgage and Pennsylvania law until the Mortgage is paid in full, and for the foreclosure of the Mortgage and Sheriff's Sale of the Property. By: DB K MCCAFFERT & MCKEEVER Michael c 129 Gary McCafferty Pa. ID 42386 41? Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Attorneys for Plaintiff VERIFICATION Joseph Kaminski as the representative American Home Mortgage Servicing, Inc, for the Plaintiff corporation within named do hereby verify that I am authorized to and do make this verification on behalf of the Plaintiff corporation and the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge, information and belief. I understand that false statements therein are made subject to the penalties of 18 Pa. C.S. 4904 relating to u Lnworn falsification to authorities. Date:OC-ybe,, ZZ, U/0 American Home Mortgage Servicing, Inc. Joseph Kaminski Assistant Secretary #10396417C - CATHY COOPER and LYNN C. COOPER 944 Emily Drive Mechanicsburg, PA 17055 Ey,hibitA 10-13-'10 10:22 FROM- T-873 P0018/0056 F-861 E rowFleNO.:02TAN9 EXHIBIT $PAO# ALL THAT CERTAIN lot situated in the Township of Upper Allen, County of Cumberland, Commonwealth of Pennsylvania, bounded and described as follows: BEGINNING at a point on the Northerly Hue of Emily Drive at the Southwesterly corner of Lot No. 9, as shown on the Pfau of Center Square Manor, Section 3; thence by the diving line between Lots Numbers 8 and 9 on said Plan, North 12 degrees 08 minutes East, a distance of 87.53 feet to a point; thence by the dividing line between Lots Numbers 7 and 8 on said Plan, South 88 degrees 81 minutes West, a distance of 13690 feet to it point in the Easterly Una of Herman Drive; thence by the Easterly Hue of Berman Drive in a Southerly direction by a curve to the left having a radius of 48:L53, an an distance of 86.08 feet to a point; thence by a curve to the left having a radius of 16.00 Beet, an are distance of 24.04 feet to a point in the Northerly line of Emily Drive; thence by the Northerly lime of Emily Drive, North 79 degrees 39 minutes East, a distance of 97AB feet to a point, the Place of BEGINNING. CONTAINING 11,761 square feet of land. BEING Lot Number 8 in the Plan of Lore of Center Square Manor, Section 3, which plan is recorded in the Office of the Recorder of Deeds in and for Cumberland County, in Plan Book 20, Page 45. Parcel No. 42-30-2io8-044 I Certify this to be recorded In Cumberland County PA Recorder of Deeds 9K I.786PG467I AU August 24, 20 10 milli 11 Ila 1111111 Ila 11 1113111 7104 5400 2100 3=8= 2040 Illr' I 0 0 II III III III I II?9 1 III) Cathy Cooper 944 Emily Dr Mechanicsburg, PA 17055 (Rev. 9/2008) Date: August 24, 2010 NOTICE HOME ACT M? TOi&AVE YOUR R 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 ON PAGE FOUR The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) maybe able to help to save your home. This notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 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 of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 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, PUES 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 PARA UN PRE'STAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Cathy Cooper PROPERTY ADDRESS: 944 Emily Dr Mechanicsburg, PA 17055 LOAN ACCT. NO.: ? ORIGINAL LENDER: OPTION ONE MORTGAGE CORPORATION CURRENT SERVICER: American Home Mortgage Servicing, Inc. CURRENT LENDER: Wells Fargo Bank, N.A., as Trustee for Option One Mortgage Loan Trust 2003-1, Asset-Backed Certificates, Series 2003-1 Page two HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: * IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, * IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND * IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" 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. AGENCYACTION - 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 CURRENTL Y PROTECTED BY THE FILING OFA PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATIONPURPOSES ONLYAND SHOULD NOT BE CONSIDERED AS ANA TTEMPT 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: 944 Emily Dr, Mechanicsburg, PA 17055 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: (a) Monthly payments from 05/01/2010: (b) Late charge(s): (c) Other charge(s): NSF and Advances (d) Less: Credit Balance (e) Total amount required as of 08/24/2010: $2,463.15 $94.60 $1,415.70 $0.00 $3,973.45 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 $3,973.45, 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 Mortggage Servicing, Inc. 1525 S. Beltline Rd. Coppell, TX 75019 IF YOUDO 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 debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs.If you cure the default within the THIRTY (30) DAYperiod, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) 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 attorneys fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff s Sale of the mortgaged property could be held would be approximately 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 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 CAN BE FOUND ON PAGES 5-7. 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 debtor 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 • Action-Housing, Inc 425 Sixth Ave; STE 950 Pittsburgh, PA 15219 800.792.2801/412.281.2102 www.actionhousing.org 'Allegheny, Beaver, Butler, Fayette, Greene, Washington, Westmoreland Advocates for Financial Independence - Philadelphia 1628 JFK Blvd-8 Penn Ctr, STE 2210 Philadelphia, PA 19103 215.218.4342 www.afinow.org 'Philadelphia Advocates for Financial Independence - 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 610.439.7007 'Lehigh, Northampton, Schuylkill American Credit Alliance, Inc. 2 S Delmor Ave; STE 501 Morrisville, PA 19067 800.501.7526 / 215.295.7195 www.501plan.com 'Bucks, Montgomery Armstrong County Community Action Agency 705 Butler Rd Kittanning, PA 16201 724.548.3408 www.annstrongcap.com `Armstrong Asociaci6n Puertorriquefios an Marche, Inc. (APM) 600 W Diamond St Philadelphia, PA 19122 7215.235.6070 www.apmphila.orgm `Delaware, Philadelphia BASE, Incorporated 447 S. Prince St Lancaster, PA 17603 717.392.5467 www.baseinc.org 'Lancaster Bayfront Neighborhood Action Team Organization, Inc. 312 Chestnut St Erie, PA 16507 814.459.2761 'Ede Blair County Community Action Agency 2100 6th Ave; STE 102 Altoona, PA 16602 800.238.9763/814.946.3651 `Blair Barks Community Action Program, Inc. 247 N Fifth St Reading, PA 19601 610.375.7866 www.racc.edu/SocialService/b09O.aspx 'Barks, Schuylkill, Montgomery * Indicates Counties Serviced Bucks County Housing Group CCCS of Delaware Valley - 2324 Second St Pike; STE 17 Philadelphia Wrightstown, PA 18940 4400 North Reese St 866.866.0280 / 215.598.3566 Philadelphia, PA 19140 www.bchg.org 800.989.2227 1215.563.5665 'Bucks www.cccsdv.org 'Bucks, Chester, Delaware, Building United of Southwestern PA Montgomery, Philadelphia 801 N Homewood Ave; STE 201 Pittsburgh, PA 15208 412.281.4422 'Allegheny, Beaver, Butler, Fayette, Washington, Westmoreland Campbell Street Family Youth and Community Association 600 Campbell St Williamsport, PA 17701 570.322.5515 www.campbellstreetcanter.org 'Lyceming Carroll Park Community Council, Inc. 5218 Master St Philadelphia, PA 19131 215.877.1157 'Delaware, Montgomery, Philadelphia Cambria Community Development Corporation 401 Candlelight Dr Ebensburg, PA 15931 814.472.6711 'Blair, Cambria, Delaware, Indiana, Somerset CCCS of Delaware Valley - Bristol 1230 Veterans Hwy; STE F1 Bristol, 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 / 215.563.5665 www.cccspv.org `Chester, Philadelphia CCCS of Delaware Valley - Chinatown 901-A Wood St Philadelphia, PA 19107 800.989.2227 / 215.563.5665 www.cccsdv.org 'Philadelphia CCCS of Delaware Valley - Coatesville 1001 East Lincoln Hwy; Suite 102 Coatesville, PA 19320 800.989.2227/215.563.5665 www.cccsdv.org `Chester, Delaware CCCS of Delaware Valley - Jenkintown 261 Old York Rd; The Pavillion #401 Jenkintown, PA 19046 800.989.2227/215.563.5665 www.cocsdv.org 'Montgomery CCCS of Delaware Valley - Media 280 N Providence Rd Media, PA 19063 800.989.2227 / 215.563.5665 www.c ccsdv.org 'Delaware CCCS of Delaware Valley - Philadelphia 7340 Jackson St Philadelphia, PA 19136 800.989.2227/215.563.5665 www.cccspv.org 'Philadelphia CCCS of Delaware Valley - West Chester 770 E Market St; STE 190 West Chester, PA 19382 800.989.2227/215.563.5665 www.cccsciv.org 'Chester. Delaware CCCS of Lehigh Valley - Pottstown 1954 E High St Pottstown, PA 19464 866.889.9347 www.consumemreditIv.org 'Chester, Montgomery CCCS of Lehigh Valley - Quakertown 127 S. 5th St; STE 155 Quakertown, PA 18951 866.889.9347 www. consumercreditiv.org 'Bucks CCCS of Lehigh Valley - Whitehall 3671 Crescent Court E Whitehall, PA 18052 866.889.9347 www.consumercreditlv.org 'Carbon, Lancaster , Lehigh, Schuylkill CCCS of Lehigh Valley - Wyomissing 833 N Park Rd, M; STE 103 Wyomissing, PA 18072 866.889.9347 www.consumeroreditlv.org 'Berks, Northampton CCCS of Northeastern PA - By Appt. Only 214 W. Walnut St Hazleton, PA 18201 800.922.9537 www.cccsnepa.org `Carbon CCCS of Northeastern PA - Pittston 401 Laurel St Pittston, PA 18640 800.922.9537/570.602.2227 www.occsnepa.org 'Bradford, Carbon, Centre, Clearfield, Luzeme, Clinton, Columbia, Elk, Juniata, Lackawanna Lycoming, MifBin,Monroe,Montour, Northumbeda Pike, Potter, Schuylkil, Snyder, Sullivan Susquehanna,Tioga,Union,Wayne,Wyoming CCCS of Northeastern PA - State College 202 W Hamilton Ave State College, PA 16801 800.922.9537/814.238.3688 www.cccsnepa.org 'Blair CCCS of Northeastern PA - Stroudsburg 411 Main St; STE 104 Stroudsburg, PA 18360 800.922.9537/570.602.2227 www.cccsnepa.org 'Monroe CCCS of Western PA - Altoona 917A Logan Blvd; Royal Remax Plaza Altoona, PA 16602 888.511.2227 / 888.511.2227 www.ccospa.org 'Bedford, Blair, Cambria, Centre, Clearfield, Fulton, Huntingdon, Juniata, Somerset CCCS of Western PA - Butler 112 Hollywood Dr; STE 101 Butler, PA 16001 888.511.2227/888.511.2227 www.cccspa.org 'Armstrong, Beaver, Butler, Clarion, Jefferson, Lawrence CCCS of Western PA - Erie 4402 Peach St; Lower Level Erie, PA 16509 888.511.2227/888.511.2227 www.cccspa.org 'Crawford, Elk, Erie, McKean, Mercer, Union, Venango, Warren CCCS of Western PA - Greensburg 1 N Gate Sq Greensburg, PA 15601 888.511.2227 / 888.511.2227 www.cccspa.org 'Indiana, Westmoreland CCCS of Western PA- Harrisburg 2000 Linglestown Rd; STE 302 Harrisburg, PA 17110 888.511.2227 / 888.511.2227 www.cccspa.org 'Dauphin, Juniata, Lebanon, Mifflin, Northumberland, Perry, Union CCCS of Western PA - Pittsburgh 2403 Sidney St; STE 400; River Park Commons Pittsburgh, PA 15203 888.511.2227/888.511.2227 www.cccspa.org 'Allegheny, Cameron CCCS of Western PA - York 55 Clover Hill Road Dallastown, PA 17313 888.511.2227188&511.2227 www.cccspa.org 'Adams, Cumberland, Franklin, Lancaster, Lebanon, York Center for Family Services, Inc. 213 W Center St Meadville, PA 16335 814.337.8450 www.therenter-nwpa.org 'Crawford, Mercer, Venango Center in the Park 5818 Germantown Ave Philadelphia, PA 19144 215.849.5100 www.centerinthepark.org 'Philadelphia Chester Community Improvement Project nd 412 Ave of the States Chester, PA 19013 610.876.8663 'Chester, Delaware, Montgomery, Philadelphia Community Action Commission - Capital Region 1514 Derry St Harrisburg, PA 17104 717232.9757 www.cactricounty.org *Cumberland, Dauphin, Perry Community Action Partnership of Mercer County 75 S Dock St Sharon, PA 16146 724.342.3532 www.capmercer.org 'Meror Retrieved August 14, 2010, from httpYAvww.phfa.org/fornsicounseling_agenciesichcl agencieslchci.pdf Indicates Counties Serviced Community Action Southwest - Washington County 150 W Beau St; STE 304 Washington, PA 15301 877.814.0788/724.852.2893 www.caswg.org 'Washington Community Action Southwest - Waynesburg/Green 58 E Greene St Waynesburg, PA 15370 877.614.0788 1724.225.9550 www.caswg.org 'Fayette, Greene, Huntingdon, Westmoreland Commission on Economic Opportunity - Wilkes-Barre 165 Amber Lane Wilkes-Barre, PA 18702 800.822.0359 1570.826.0510 www.ceopeoplehelpingpeople.org 'Carbon, Columbia, Luzeme, Monroe Fair Housing Partnership of Greater Pittsburgh, Inc. 2840 Liberty Ave; STE 205 Pittsburgh, PA 15222 412.391.2535 www.pittsburghfairhousing.org 'Allegheny Fayette Co. Community Action Agency, Inc. 108 N Beeson Blvd Uniontown, PA 15401 800.427.4636 / 724.437.6050 www.fccaa.org 'Fayette, Somerset, Westmoreland Garfield Jubilee Association 5138 Penn Ave Pittsburgh, PA 15224 412.665.5204 'Allegheny Genesis Housing Corporation 208 DeKalb St; #212 Norristown, PA 19401 Community Action Committee of the Lehigh Valley 610275.4357 1337 E Fifth St www.genesishousing.org Bethlehem, PA 18015 'Bucks, Chester, Delaware, 610.691.5620 Montgomery, Philadelphia www.cecv.org 'Berks, Carbon, Lehigh, Monroe, Northampton CONGRESO 216 W Somerset St Philadelphia, PA 19133 215.763.8870 www.congreso.net 'Philadelphia Council of Spanish Speaking Organization (CONCILIO) 705-09 N Franklin St Philadelphia, PA 19123 215.627.3100 elooncilio.net 'Philadelphia Credit Counseling Center 832 2nd St Pike Richboro, PA 18954 877.900.4222 / 215.396.1880 www.occ-credit.com 'Bucks, Delaware, Montgomery, Philadelphia Credit Counseling Center 408 Mill St Bristol, PA 19007 www.occ-crediLCOm 'Bucks, Delaware, Montgomery, Philadelphia Da-Network Housing Ministries, Inc. 1529 N. 7th St Philadelphia, PA 19122 215.927.3227 www.danetworkhousing.org 'Philadelphia Diversified Community Services @ Dixon House 1920 S 20th St Philadelphia, PA 19145 215.336.3511 wwwAcsphila.org 'Bucks, Delaware, Philadelphia Germantown Settlement 5538 Wayne Ave; BLDG C Philadelphia, PA 19144 215.849.3104 www.germantown.org 'Delaware, Montgomery, Philadelphia Grace Neighborhood Development Corporation 5200 Oxford Ave Philadelphia, PA 19124 215.535.3885 'Philadelphia Greater Erie Community Action Committee 18 W 9th St Erie, PA 16501 814.459.4581 www.gecac.org 'Erie, McKean, Venango, Warren Harrisburg Fair Housing Council 2100 N 6th St Harrisburg, PA 17110 717.238.9540 'Cumberland, Dauphin, Perry Hispanic Association of Contractors and Enterprise (HACE) 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 and Redevelopment Authority - Cumberland Cnty 114 N Hanover St; STE 104 Carlisle, PA 17013 866.683.5907/717.249.0789 www.ochra.oom 'Cumberland Housing Development Corporation of Northeastern PA 163 Amber Ln Wilkes Barre, PA 18702 570.824.4803 'Luzerne, Wyoming Housing Opportunities of Beaver County 282 East End Ave Beaver, PA 15009 724.728.7511 www.hobcinfo.org 'Beaver. Butler. Lawrence Housing Authority of the County of Butler 114 Woody Dr Butler, PA 16001 800.433.6327/724.287.6797 www.housingauthority .com/Homeownership_Program.html `Allegheny, Armstrong, Beaver, Butler, Clarion, Lawrence Housing Partnership of Chester County 41 W Lancaster Ave Downingtown, PA 19335 610.518.1522 www.housing partnershipcc.com 'Chester, Delaware, Montgomery Indiana County Community Action Program, Inc. 827 Water St Indiana, PA 15701 724.465 . 2657 www.iccap.net 'Armstrong, Cambria, Clearfield, Indiana, Jefferson, Westmoreland Intercultural Family Services, Inc. 4225 Chestnut 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.koreancentecorg 'Delaware, Philadelphia Lancaster Housing Opportunities Partnership 44 N Christian St; STE 300 Lancaster, PA 17602 717.291.9945 www.lhop.org 'Lanpster Housing Association of Delaware Valley (HADV) - Lawrence County Community Action Housing Association Information Program (HAIP) Partnership (LCCAP) 658 N Watts St 241 W Grant St Philadelphia, PA 19123 New Castle, PA 16101 215.978.0224 888.252.5104 / 724.658.7258 www.hadv.org www.lccep.orgltl.php 'Delaware, Philadelphia 'Lawrence Lebanon County Housing and Redevelopment Authority 303 Chestnut St Lebanon, PA 17042 717.273.9326 www.lebanoncountyhousing. rom 'Lebanon Liberty Resources, Inc. (Serving Allentown and Philadelphia) 714 Market St; STE 100 Philadelphia, PA 19106 888.634.2155/215.634.2000 www.libertyresources.org 'Bucks, Chester, Delaware, Montgomery, Philadelphia Loveship, Inc. 2320 N 5th St Harrisburg, PA 17110 717.232.2207 'Cumberland, Dauphin, Perry Media Fellowship House, Inc. 4302 S Jackson St Media, PA 19063 610.565.0434 www. mediafellowshiphouse. org 'Chester, Delaware, Montgomery Mon Valley Initiative 305 E Eighth Ave Homestead, PA 15120 412.464.4000 www.monvalleyinitiative.com 'Allegheny, Armstrong, Beaver, Butler, Fayette, Greene, Indiana, Washington, Westmoreland Mt. Airy USA 6703 Germantown 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 412.381.6925 www.mtnazarethcenter.org/nazareth_housing.htmI 'Allegheny Neighborhood Housing Services of Lackawanna County 709 E Market St Scranton, PA 113509 570.558.2490 www.nhslackawa nnapa.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 Berks 213 N 5th St; STE 1030 Reading, PA 19601 610.372.8433 www.nhsreading.org 'Berks Retrieved August 14, 2010, from httpYAw .phfa.org#arms/counsefing agencies/chci agencies/chci.pdf • Neighborworks Western PA 710 Fifth Ave; STE 1000 Pittsburgh, PA 15219 412.281.9773 www.nwwpa.org 'Allegheny, Armstrong, Beaver, Butler, Cambria, Fayette, Greene, Washington, Westmoreland New Kensington Community Development Corp.(NKCDC) 2515 Frankford Ave Philadelphia, PA 19125 215.427.0350 www.nkcdc.org 'Philadelphia NID-Housing Counseling-Philadelphia 3212 W. Cheltenham Ave Philadelphia, PA 19150 267.385.7624 `Delaware, Montgomery, Philadelphia * Indicates Counties Serviced Pittsburgh Community Reinvestment Group St. Martin Center, Inc. (PCRG) 1701 Parade St 1901 Centre Avenue; STE 200 Erie, PA 16503 Pittsburgh, PA 15219 814.452.6113 412.391.6732 www.stmartincenter.org www.pcrg.org 'Centre, Crawford, Ede, McKean, `Allegheny Mercer, Venango, Warren Schuylkill Community Action Step, Inc. (a.k.a. LycomingClinton Counties 225 N Center St Commission for Community Action) Pottsville, PA 17901 2138 Lincoln St 570.622.1995 Williamsport, PA 17701 www.schuylkillcommunityaction.com 800.346.3020 / 570.326.0587 `Barks, Carbon, Lebanon, Lehigh, Luzeme, www.stepoorp.org Northumberland, Schuylkill 'Centre, Clinton, Lycoming, Union Shenango Valley Urban League 601 Indiana Ave Farrell, PA 19121 724.981.5310 www.svul.org 'Butler, Crawford, Lawrence, Venango Northern Cambria Community Development Corp. (NORCAM Group) South of South Neighborhood 4200 Crawford Avenue Suite 200 Association, Inc. (SOSNA) Northern Cambria, PA 15714 1901 Christian St 888.676.8781 / 814.948.4444 Philadelphia, PA 19146 'Bedford, Blair, Cambria, Cameron, 215.732.8446 Centre, Clearfield, Elk, Erie, www.soulhofsouth.org Huntingdon, Jefferson, Somerse 'Philadelphia Northern 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.thepartnershipcdc.org 'Philadelphia South Philadelphia HOMES, Inc. (SPHINC) 1444 Point Breeze Ave Philadelphia, PA 19146 800.349.5904 / 215.334.4430 www.sphinc.com 'Philadelphia Southwest Community Development Corporation 6328 Paschall Ave Philadelphia, PA 19142 215.729.0800 www.southwestcdc.org 'Delaware, Philadelphia Southwestern PA Legal Services - Fayette County. 48 E Main St Uniontown, PA 15401 888.855.3873/724.439.3591 I Pathstone Corporation Pennsylvania www.sp as.org 1625 North Second St 'Fayette Harrisburg, PA 17102 Southwestern PA Legal Services - 717.234.6616 Greene County www.ruralisc.org/pathstoneya.htm 63 S Washington St 'Adams, Barks, Cambria, Chester, Clearfield, Waynesburg, PA 15370 Cumberland, Dauphin, Franklin, Somerset 888.855.3873 / 724.627.3127 Pennsylvania Interfaith Community Programs, In c. www.splas.org Adam's County Housing Authority (ACHA) 'Greene 40 E High St Southwestern PA Legal Services - Gettysburg, PA 17325 Somerset County 717.334.1518 132 E. Catherine St www.adamscha.org Somerset, PA 15501 'Adams, Franklin, 800.855.3873 / 814.443.4615 Cumberland, Lackawanna , York www.splas.org 'Somerset Philadelphia Council for Community Advancement(PCCA) 1617 JFK Blvd; STE 1550 Philadelphia, PA 19103 215.567.7803 www.pccahousing.org 'Bucks, Chester, Delaware, Montgomery, Philadelphia Southwestern PA Legal Services - Washington County 10 W Cherry Ave Washington, PA 15301 888.855.3873/724.225.6170 www.splas.org 'Washington Tableland Services Inc./Community Action Partnership for Somerset Cnty 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 `Bmdford TREHAB Center, Inc. 10 Public Ave Montrose, PA 18801 800.982.4045 / 570.278.3338 ww vArehab.org 'Susquehanna TREHAB Center, Inc. - Tioga County 52 Plaza Ln Wellsboro, PA 16901 866.656.7788/570.724.5252 www.trehab.org 'Tioga United Communities Southeast Philadelphia 2029 S 8th St Philadelphia, PA 19148 215.467.8700 www.ucsep.org 'Philadelphia United Neighborhood Centers of Northeasters 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; 9th FL Philadelphia, PA 19107 215.985.3220 www.urbanleaguephila.org `Bucks, Chester, Delaware, Montgomery, Philadelphia Urban League of Pittsburgh 610 Wood Street Pittsburgh, PA 15222 412.227.4163 www.ulpgh.org 'Allegheny Voices for Independence 1107 Payne Ave Erie, PA 16503 866.407.0064/814.874.0064 www.voicesforindependence.org ' Clarion, Elk, Erie, McKean, Mercer, Venango Warren-Forest Counties I Economic Opportunity Council (EOC) 1209 Pennsylvania Ave, W Warren, PA 16365 800.231.17971814.726.2400 www.wfcaa.org 'Crawford, Forest, McKean, Warren West Oak Lane Community Development Corporation (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.worc-pa.com 'Philadelphia Retrieved August 14, 2010, from hffp.IAw .phfa.org/formslcounseling_agencieslbhci agencies/chci.pdf ?Au 1 August 24, 20 10 hl? SIN II 0 IINI ?I II I IINI IIN IIII IIH (III Lynn C Cooper 944 Emily Dr Mechanicsburg, PA 17055 (Rev. 9/2008) Date: August 24, 2010 ACT 91 AC ,?E FROMNFORECLOSURE 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 ON PAGE FOUR The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) maybe able to help to save your home. This notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 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 of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (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, PUES 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 PARA UN PRE'STAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Lynn C Cooper PROPERTY ADDRESS: 944 Emily Dr Mechanicsburg, PA 17055 LOAN ACCT. NO.: ORIGINAL LENDER: OPTION ONE MORTGAGE CORPORATION CURRENT SERVICER: American Home Mortgage Servicing, Inc. CURRENT LENDER: Wells Fargo Bank, N.A., as Trustee for Option One Mortgage Loan Trust 2003-1, Asset-Backed Certificates, Series 2003-1 Page two JNMD HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOUMAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CANSAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: * IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, * IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND * IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" 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. AGENCYACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE. IF YOU ARE CURRENTL Y PROTECTED BY THE FILING OF A PETITION IN BANKR UPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATIONPURPOSES ONLYAND SHOULD NOT BE CONSIDERED AS ANA TTEMPT 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: 944 Emily Dr, Mechanicsburg, PA 17055 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: (a) Monthly payments from 05/01/2010: (b) Late charge(s): (c) Other charge(s): NSF and Advances (d) Less: Credit Balance (e) Total amount required as of 08/24/2010: $2,463.15 $94.60 $1,415.70 $0.00 $3,973.45 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 $3,973.45, 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 Servicing, Inc. 1525 S. Beltline Rd. Coppell, TX 75019 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 debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to 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.ifyou cure the default within the THIRTY (30) DAYperiod, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) 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 Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 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 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 CAN BE FOUND ON PAGES 5-7. 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 Action-Housing, Inc 425 Sixth Ave; STE 950 Pittsburgh, PA 15219 800.792.2801/412.281.2102 www.actionhousing.org 'Allegheny, Beaver, Butler, Fayette, Greene, Washington, Westmoreland Advocates for Financial Independence - Philadelphia 1628 JFK Blvd-8 Penn Ctr, STE 2210 Philadelphia, PA 19103 215.218.4342 www.afinow.org 'Philadelphia Advocates for Financial Independence - 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 610.439.7007 'Lehigh, Northampton, Schuylkill American Credit Alliance, Inc. 2 S Delmor Ave; STE 501 Morrisville, PA 19067 800.501.7526 / 215.295.7195 www.501plan.com 'Bucks, Montgomery Armstrong County Community Action Agency 705 Butler Rd Kittanning, PA 16201 724.548.3408 www.arrnstrongcap.com 'Armstrong Asociacibn PuertorriqueRos an Marche, Inc. (APM) 600 W Diamond St Philadelphia, PA 19122 7215.235.6070 www.apmphila.orgm 'Delaware, Philadelphia BASE, Incorporated 447 S. Prince St Lancaster, PA 17603 717.392.5467 www.baseinc.org 'Lancaster Bayfront Neighborhood Action Team Organization, Inc. 312 Chestnut St Erie, PA 16507 814.459.2761 'Erie Blair County Community Action Agency 2100 6th Ave; STE 102 Altoona, PA 16602 800.238.9763/814.946.3651 'Blair Barks Community Action Program, Inc. 247 N Fifth St Reading, PA 19601 610.375.7866 www.racc.edLUSocia[Sewice/b09O.aspx 'Barks, Schuylkill, Montgomery * Indicates Counties Serviced Bucks County Housing Group CCCS of Delaware Valley - 2324 Second St Pike; STE 17 Philadelphia Wrightstown, PA 18940 4400 North Reese St 866.866.0280 1215.598.3566 Philadelphia, PA 19140 www.bchg.org 800.989.2227 1215.563.5665 'Bucks www.cccsdv.org 'Bucks, Chester, Delaware, Building United of Southwestern PA Montgomery, Philadelphia 801 N Homewood Ave; STE 201 Pittsburgh, PA 15208 412.281.4422 'Allegheny, Beaver, Butler, Fayette, Washington, Westmoreland Campbell Street Family Youth and Community Association 600 Campbell St Williamsport, PA 17701 570.322.5515 www.campbelistreetoenter.org 'Lycoming Carroll Park Community Council, Inc. 5218 Master St Philadelphia, PA 19131 215.877.1157 'Delaware, Montgomery, Philadelphia Cambria Community Development Corporation 401 Candlelight Dr Ebensburg, PA 15931 814.472.6711 'Blair, Cambria, Delaware, Indiana, Somerset CCCS of Delaware Valley - Bristol 1230 Veterans Hwy; STE F1 Bristol, PA 19007 800.989.2227/215.563.5665 'Bucks CCCS of Delaware Valley - Center City Philadelphia 1608 Walnut St; 10th FL Philadelphia, PA 19103 800.989.2227/215.563.5665 www.cecsdv.org 'Chester, Philadelphia CCCS of Delaware Valley - Chinatown 901-A Wood St Philadelphia, PA 19107 800.989.2227/215.563.5665 www.cc[sdv.org 'Philadelphia CCCS of Delaware Valley - Coatesville 1001 East Lincoln Hwy; Suite 102 Coatesville, PA 19320 800.989.2227 / 215.563.5665 www.cccsdv.org 'Chester, Delaware CCCS of Delaware Valley- Jenkintown 261 Old York Rd; The Pavillion #401 Jenkintown, PA 19046 800.989.2227/215.563.5665 www.occsdv.org 'Montgomery CCCS of Delaware Valley - Media 280 N Providence Rd Media, PA 19063 800.989.2227/215.563.5665 www.occsdv.org 'Delaware CCCS of Delaware Valley - Philadelphia 7340 Jackson St Philadelphia, PA 19136 800.989.2227 / 215.563.5665 www.cccsdv.org 'Philadelphia CCCS of Delaware Valley - West Chester 770 E Market St; STE 190 West Chester, PA 19382 800.9892227 1215.563.5665 www.occsdv.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 866.889.9347 www. consumemredittv.org 'Bucks CCCS of Lehigh Valley - Whitehall 3671 Crescent Court E Whitehall, PA 18052 866.889.9347 www.consumercreditiv.org 'Carbon, Lancaster, Lehigh, Schuylkill CCCS of Lehigh Valley - Wyomissing 833 N Park Rd, M; STE 103 Wyomissing, PA 18072 866.889.9347 www.consumercreditlv.org 'Barks, Northampton CCCS of Northeastern PA - By Appt. Only 214 W. Walnut St Hazleton, PA 18201 800.922.9537 www.occsnepa.org 'Carbon CCCS of Northeastern PA - Pittston 401 Laurel St Pittston, PA 18640 800.922.9537/570.602.2227 CCCS of Western PA - Butler 112 Hollywood Dr; STE 101 Butler, PA 16001 888.511.2227 / 888.5112227 www.cocspa.org 'Armstrong, Beaver, Butler, Clarion, Jefferson, Lawrence CCCS of Western PA - Erie 4402 Peach St; Lower Level Erie, PA 16509 888.511.2227/888.511.2227 www.cocspa.org 'Crawford, Elk, Erie, McKean, Mercer, Union, Venango, Warren CCCS of Western PA - Greensburg 1 N Gate Sq Greensburg, PA 15601 888.511.2227 / 888.511.2227 www.cccspa.org 'Indiana, Westmoreland CCCS of Western PA - Harrisburg 2000 Linglestown Rd; STE 302 Harrisburg, PA 17110 888.511.2227 / 888.511.2227 www.cccspa.org 'Dauphin, Juniata, Lebanon, Mifflin, Northumberland, Perry, Union CCCS of Western PA - Pittsburgh 2403 Sidney St; STE 400; River Park Commons Pittsburgh, PA 15203 888.511.2227/888.511.2227 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, Cumberland, Franklin, Lancaster, Lebanon, York Center for Family Services, Inc. 213 W Center St Meadville, PA 16335 814.337.8450 www.thecenter-nwpa.org 'Crawford, Mercer, Venango Center in the Park 5818 Germantown Ave Philadelphia, PA 19144 215.849.5100 www.centerinthepark.org www.cccsnepa.org 'Philadelphia 'Bradford, Carbon, Centre, Clearfield, Luzeme, Clinton, Columbia, Elk, Juniata, Lackawanna Chester Community Improvement Project Lycoming,Mifflin,Monroe,Montour,Northumbedand 412 Ave of the States Pike, Potter, Schuylkil, Snyder, Sullivan Chester, PA 19013 Susquehanna,Tioga,Union,Wayne,Wyoming 610.876.8663 'Chester, Delaware, Montgomery, Philadelphia CCCS of Northeastern PA -State College 202 W Hamilton Ave Community Action Commission - Capital Region State College, PA 16801 1514 Derry St 800.922.9537/814.238.3688 Harrisburg, PA 17104 www.occsnepa.org 717.232.9757 'Blair www.cactrioounty.org 'Cumberland, Dauphin, Perry CCCS of Northeastern PA - Stroudsburg 411 Main St; STE 104 Stroudsburg, PA 18360 800.922.95371570.602.2227 www.ccesnepa.org 'Monroe CCCS of Western PA - Altoona 917A Logan Blvd; Royal Remax Plaza Altoona, PA 16602 888.511.2227 / 888.511.2227 www.cccspa.org 'Bedford, Blair, Cambria, Centre, Clearfield, Fulton, Huntingdon, Juniata, Somerset Community Action Partnership of Mercer County 75 S Dock St Sharon, PA 16146 724.342.3532 www.capmercer.org 'Mercer Retrieved August 14, 2010, from http://www.phfa.oryformslcounseling agencies/chci_agencies/chci.pdf * Indicates Counties Serviced Community Action Southwest Washington County 150 W Beau St; STE 304 Washington, PA 15301 877.814.0788/724.852.2893 www.raswg.org `Washington Community Action Southwest - Waynesburg/Green 58 E Greene St Waynesburg, PA 15370 877.814.0788/724.225.9550 www.caswg.org 'Fayette, Greene, Huntingdon, Westmoreland Commission on Economic Opportunity Wilkes-Barre 165 Amber Lane Wilkes-Barre, PA 18702 800.822.0359/570.826.0510 www.ceopeoplehelpingpeople.org 'Carbon, Columbia, Luzeme, Monroe Fair Housing Partnership of Greater Pittsburgh, Inc. 2840 Liberty Ave; STE 205 Pittsburgh, PA 15222 412.391.2535 www. pittsburghfa irhousing.org 'Allegheny Fayette Co. Community Action Agency, Inc. 108 N Beeson Blvd Uniontown, PA 15401 800.427.4636/724.437.6050 www.fccaa.org 'Fayette, Somerset, Westmoreland Garfield Jubilee Association 5138 Penn Ave Pittsburgh, PA 15224 412.665.5204 'Allegheny Genesis Housing Corporation 208 DeKalb St; #212 Norristown, PA 19401 Community Action Committee of the Lehigh Valley 610.275.4357 1337 E Fifth St www.genesishousing.org Bethlehem, PA 18015 'Bucks, Chester, Delaware, 610.691.5620 Montgomery, Philadelphia www.cadv.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 Organization (CONCILIO) 705-09 N Franklin St Philadelphia, PA 19123 215.627.3100 elconcilio.nel 'Philadelphia Credit Counseling Center 832 2nd St Pike Richbom, PA 18954 877.900.4222/215.396.1880 www.ccc-credit.com 'Bucks, Delaware, Montgomery, Philadelphia Credit Counseling Center 408 Mill St Bristol, PA 19007 www.ccc-credd.com 'Bucks, Delaware, Montgomery, Philadelphia Da-Network Housing Ministries, Inc. 1529 N. 7th St Philadelphia, PA 19122 215.927.3227 www.danetworkhousing.org 'Philadelphia Diversified Community Services @ Dixon House 1920 S 20th St Philadelphia, PA 19145 215.336.3511 wwwAcsphila.org 'Bucks, Delaware, Philadelphia Germantown Settlement 5538 Wayne Ave; BLDG C Philadelphia, PA 19144 215.849.3104 www.germantown.org 'Delaware, Montgomery, Philadelphia Grace Neighborhood Development Corporation 5200 Oxford Ave Philadelphia, PA 19124 215.535.3885 'Philadelphia Greater Erie Community Action Committee 18 W 9th St Erie, PA 16501 814.459.4581 www.gecac.org 'Erie, McKean, Venango, Warren Harrisburg Fair Housing Council 2100 N 6th St Harrisburg, PA 17110 717.238.9540 'Cumberland, Dauphin, Perry Hispanic Association of Contractors and Enterprise (HACE) 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 and Redevelopment Authority - Cumberland Cnty 114 N Hanover St; STE 104 Carlisle, PA 17013 866.683.5907 1 717.249.0789 www.cchra.com 'Cumberland Housing Development Corporation of Northeasters PA 163 Amber Ln Wilkes Barre, PA 18702 570.824.4803 'Luzern, Wyoming Housing Opportunities of Beaver County 282 East End Ave Beaver, PA 15009 724.728.7511 www.hobcinfo.org 'Beaver. Butler. Lawrence Housing Authority of the County of Butler 114 Woody Dr Butler, PA 16001 800.433.6327/724.287.6797 www.housingauthority .com/Homeownership_Program-htmi 'Allegheny, Armstrong, Beaver, Butler, Clarion, Lawrence Housing Partnership of Chester County 41 W Lancaster Ave Downingtown, PA 19335 610.518.1522 www.housingpartnershipcc. corn 'Chester, Delaware, Montgomery Indiana County Community Action Program, Inc. 827 Water St Indiana, PA 15701 724.465.2657 www.iccap.net 'Armstrong, Cambria, Clearfield, Indiana, Jefferson, Westmoreland Intercultural Family Services, Inc. 4225 Chestnut 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 wwwAoreancenter.org 'Delaware, Philadelphia Lancaster Housing Opportunities Partnership 44 N Christian St; STE 300 Lancaster, PA 17602 717.291.9945 www.lhop.org 'Lancaster Housing Association of Delaware Valley (HADV) - Lawrence County Community Action Housing Association Information Program (HAIP) Partnership (LCCAP) 658 N Watts St 241 W Grant St Philadelphia, PA 19123 New Castle, PA 16101 215.978.0224 888.252.5104 / 724.658.7258 www.hadv.org www.lccep.orglh.php 'Delaware, Philadelphia '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 888.634.2155 / 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, Perry Media Fellowship House, Inc. 4302 S Jackson St Media, PA 19063 610.565.0434 www.mediafellowshiphouse.org 'Chester, Delaware, Montgomery Mon Valley Initiative 305 E Eighth Ave Homestead, PA 15120 412.464.4000 www.monvalleyinitiabve.com 'Allegheny, Armstrong, Beaver, Butler, Fayette, Greene, Indiana, Washington, Westmoreland Mt. Airy USA 6703 Germantown 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 412.381.6925 www.mtnazarethcenter.org/nazareth_housing.html '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 Retrieved August 14, 2010, from httpYlw .phfa.org/forms/counseling agencies/chci agencieslchci.pdf Indicates Counties Serviced Neighbomorks Western PA Pittsburgh Community Reinvestment Group St. Martin Center, Inc. 710 Fifth Ave; STE 1000 (PCRG) 1701 Parade St Pittsburgh, PA 15219 1901 Centre Avenue; STE 200 Erie, PA 16503 412.281.9773 Pittsburgh, PA 15219 814.452.6113 www.nwwpa.org 412.391.6732 www.stmartincenter.org 'Allegheny, Armstrong, Beaver, Butler, Cambria, www.pcrg.org 'Centre, Crawford, Erie, McKean, Fayette, Greene, Washington, Westmoreland 'Allegheny Mercer, Venango, Warren New Kensington Community Schuylkill Community Action Step, Inc. (a.k.a. Lycoming-Clinton Counties Development Corp.(NKCDC) 225 N Center St Commission for Community Action) 2515 Frankford Ave Pottsville, PA 17901 2138 Lincoln St Philadelphia, PA 19125 570.622.1995 Williamsport, PA 17701 215.427.0350 www.schuylkilloommunityaction.com 800.346.3020 / 570.326.0587 www.nkcdc.org 'Berks. Carbon, Lebanon, Lehigh, Luzeme, www.stepcorp.org 'Philadelphia Northumberland, Schuylkill 'Centre, Clinton, Lycoming, Union NID-Housing Counseling-Philadelphia Shenango Valley Urban League Tableland Services Inc./Community 3212 W. Cheltenham Ave 601 Indiana Ave Action Partnership for Somerset Cnty Philadelphia, PA 19150 Farrell, PA 19121 535 E Main St 267.385.7624 724.981.5310 Somerset, PA 15501 'Delaware, Montgomery, Philadelphia www.svul.org 800.452.0148 / 814.445.9628 'Buller, Crawford, Lawrence, Venango www.capfsc.org Northern Cambria Community Development Corp. 'Bedford, Cambria, Fayette, (NORCAM Group) South of South Neighborhood Somerset, Westmoreland 4200 Crawford Avenue Suite 200 Association, Inc. (SOSNA) Northern Cambria, PA 15714 1901 Christian St TABOR Community Services, Inc. 888.676.8781 / 814.948.4444 Philadelphia, PA 19146 308 E King St 'Bedford, Blair, Cambria, Cameron, 215.732.8446 Lancaster, PA 17608 Centre, Clearfield, Elk, Erie, www.soulhofsouth.org 800.788.5062 / 717.397.5182 Huntingdon, Jefferson, Somerse 'Philadelphia www.tabomel.org 'Chester, Lancaster, Lebanon Northern Tier Community Action Corp. South Philadelphia HOMES, Inc. (SPHINC) 135 West 4th Street 1444 Point Breeze Ave TREHAB Center, Inc. Emporium, PA 15834 Philadelphia, PA 19146 703 S Elmer Ave; STE 104 814.486.1161 800.349.5904 / 215.334.4430 Sayre, PA 18840 'Cameron, Elk, McKean, Potter www.sphinc.com 800.982.4045 / 570.888.0412 'Philadelphia www.trehab.org Northwest Counseling Service, Inc. 'Bradford Southwest Community Development 5001 North Broad Street Corporation TREHAB Center, Inc. Philadelphia, PA 19141 215.324.7500 6328 Paschall Ave 10 Public Ave Philadelphia, PA 19142 Montrose, PA 18801 'Bucks, Chester, Delaware, Montgomery, Philadelphia 215.729.0800 800.982.4045 1570.278.3338 www.southwestodc.org www.trehab.org The Partnership CDC 'Delaware, Philadelphia 'Susquehanna 4020 Market St; STE 100 Southwestern PA Legal Services - TREHAB Center, Inc. - Tioga County Philadelphia, PA 19104 Fayette County. 52 Plaza Ln 215.662.1612 48 E Main St Wellsboro, PA 16901 www.thepartnershipcdc.org 'Philadelphia Uniontown, PA 15401 866.656.7788 1570.724.5252 888.855.3873 / 724.439.3591 www.trehab.org Pathstone Corporation Pennsylvania `wv _splas.org 'Tioga 1625 North Second St 'Fayette United Communities Southeast Harrisburg, PA 17102 Southwestern PA Legal Services - Philadelphia 717.234.6616 Greene County 2029 S 8th St www.ruralisc.org/pathstone_pa.htm 63 S Washington St Philadelphia, PA 19148 'Adams, Barks, Cambria, Chester, Clearfield, Waynesburg, PA 15370 215.467.8700 Cumberland, Dauphin, Franklin, Somerset 888 855 3873 1724.627.3127 www.ucsep.org Pennsylvania Interfaith Community Programs, Inc. www.splas.org 'Philadelphia Adam's County Housing Authority (ACHA) 'Greene United Neighborhood Centers of 40 E High St Southwestern PA Legal Services - Northeastern PA Gettysburg, PA 17325 Somerset County 410 Olive St 717.334.1518 132 E. Catherine St Scranton, PA 18505 www.adamscha.org Somerset, PA 15501 570.343.8835 'Adams, Franklin, 800.855.3873 / 814.443.4615 'Lackawanna Cumberland, Lackawanna, York www.splas.org 'Somerset Universal Companies - Universal Philadelphia Council for Community Community Homes Advancement (PCCA) Southwestern PA Legal Services - 800 S 15th St 1617 JFK Blvd; STE 1550 Washington County Philadelphia, PA 19146 Philadelphia, PA 19103 10 W Cherry Ave 215.732.6518 215.567.7803 Washington, PA 15301 'Philadelphia www.pccahousing.org 888.855.3873 / 724.225.6170 'Bucks, Chester, Delaware, www.splas.org Urban League of Philadelphia Montgomery, Philadelphia 'Washington 121 S Broad St; 9th FL Philadelphia, PA 19107 215.985.3220 www.urbanleaguephila.org 'Bucks, Chester, Delaware, Montgomery, Philadelphia Urban League of Pittsburgh 610 Wood Street Pittsburgh, PA 15222 412.227.4163 www.ulpgh.org 'Allegheny Voices for Independence 1107 Payne Ave Erie, PA 16503 866.407.0064 / 814.874.0064 www.voicesforindependence.org Clarion, Elk, Erie, McKean, Mercer, Venango Warren-Forest Counties I Economic Opportunity Council (EOC) 1209 Pennsylvania Ave, W Warren, PA 16365 800.231.1797 / 814.726.2400 www.wfcaa.org 'Crawford, Forest, McKean, Warren West Oak Lane Community Development Corporation (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.worc-pa.com 'Philadelphia Retrieved August 14, 2010, from http.,Ilwww.phfa.org/formslcounseling-agencieslchci agencies/chckpdt SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff tititt• of t ?tl?bref r 00 Jody S Smith ? ?? , s Chief Deputy ' Richard W Stewart Solicitor Wells Fargo Bank, NA vs. Lynn C. Cooper (et a).) Case Number 2010-6980 SHERIFF'S RETURN OF SERVICE 11/08/2010 04:50 PM - Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on November 8, 2010 at 1650 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Lynn C. Cooper, by making known unto Shawn Cooper, Son of defendant at 944 Emily Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to him personally the said true and correct copy of the same. RYAN BURGETT, DEPUTY 11/08/2010 04:50 PM - Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on November 8, 2010 at 1650 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Cathy Cooper, by making known unto Shawn Cooper, Son of defendant at 944 Emily Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $53.00 November 09, 2010 RYAN BURGETT, DEPUTY SO ANSWERS, (;" x - RR ANDERSON, SHERIFF (c) GouotySuite Shenff. Teleosoft hic. SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor ????tytr of ? rrarrGir?? j?? z: OF : E is T-- ", EQJFF x. OCT i ;4 F%Cklhl???+ t r?? ? i, y Wells Fargo Bank, NA vs. Case Number Lynn C. Cooper (et al.) 2010-6980 SHERIFF'S RETURN OF SERVICE 03/09/2011 07:54 PM - Deputy Shawn Harrison, 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 944 Emily Drive, Mechanicsburg, PA 17055, Cumberland County. 03/17/2011 03:15 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 SHAWN COOPER- 19 YEAR OLD SON, who accepted as "Adult Person in Charge" for Cathy Cooper at 944 Emily Drive, Upper Allen Township, Mechanicsburg, PA 17055, Cumberland County. 03/17/2011 03:15 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 SHAWN COOPER-19 YEAR OLD SON, who accepted as "Adult Person in Charge" for Lynn C. Cooper at 944 Emily Drive, Upper Allen Township, Mechanicsburg, PA 17055, Cumberland County. 04/21/2011 As directed by Michael McKeever, Attorney for the Plaintiff, Sheriffs Sale Continued to 7/6/2011 04/21/2011 Property sale removed from 7/6/2011 sale. 04/21/2011 As directed by Michael McKeever, Attorney for the Plaintiff, Sheriffs Sale Continued to 8/3/2011 07/26/2011 As directed by Michael McKeever, Attorney for the Plaintiff, Sheriffs Sale Continued to 10/5/2011 09/30/2011 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: $814.80 SO ANSWERS, September 30, 2011 RON R ANDERSON, SHERIFF 0-®U rl • ce ."!2) LZ. ?. A/10 - On March 3, 2011 the Sheriff levied upon the defendant's interest in the real property situated in Upper Allen Township, Cumberland County, PA, Known and numbered as, 944 Emily Drive, Mechanicsburg, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: March 3, 2011 40 By: Real Estate Coordinator 00 :01 b E- 933 HOI 10-6980 GOLDBECKMcCAFFERTY & McKEEVER 701 Market Street Philadelphia, PA 19106 215-825-6318 Attorney for Plaintiff WELLS FARGO BANK, N.A., AS TRUSTEE FOR OPTION ONE MORTGAGE LOAN TRUST 2003- 1, ASSET-BACKED CERTIFICATES, SERIES 2003-1 4650 Regent Blvd Irving, TX 75063 Plaintiff VS. CATHY COOPER Mortgagor LYNN C. COOPER Mortgagor and Record 944 Emily Drive Mechanicsburg, PA 17055 Defendant( of Cumberland County CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE Docket No. 10-6980 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: COOPER, LYNN C. LYNN C. COOPER 944 Emily Drive Mechanicsburg, PA 17055 Your house at 944 Emily Drive, Mechanicsburg, PA 17055 is scheduled to be sold at Sheriffs Sale on Wednesday, June 01, 2011, at 10:00 AM, in Commissioners Hearing Rm 2nd FL Courthouse to enforce the court judgment of $102,108.49 obtained by WELLS FARGO BANK, N.A., AS TRUSTEE FOR OPTION ONE MORTGAGE LOAN TRUST 2003-1, ASSET-BACKED CERTIFICATES, SERIES 2003-1 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE IN THE COURT OF COMMON PLEAS To prevent this Sheriffs Sale you must take immediate action: 10-6980 The s le, will'be cancelled ifyt?u pay ?tw . T A4tG9 B n NK,,zN. ° ., e e Tu t rcTEF Fns ---- - - OPTION ONE MORTGAGE LOAN TRUST 2M3-1, ASSET-BACKED CERTIFICATES, SERIES 2003- 1, the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay call our office at 215-825-6329 or 1-866-413-2311. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open 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. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below 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 NOT TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid price by calling the Sheriff of 717-240-6390. 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 the Sheriff of 717-240-6390. 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 a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 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 thirty (30) days from the date of the Sheriffs 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 the schedule of distribution is filed. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. 8. You may contact the Foreclosure Resource Center: http://www.philadelphiafed.org/foreclosure/ 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 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 10-6980 ACT NOW! Even though your lender (and our client) has filed an Action of Mortgage Foreclosure against you, you still may be able to SAVE YOUR HOME FROM FORECLOSURE. 1). Call an attorney. For referrals to a qualified attorney call either of the following numbers: or 717-243-9400. 2). Call the Consumer Credit Counseling Agency at 1-800-989-2227 for free counseling. 3). Visit HUD'S website www.hud.gov for Help for Homeowners Facing the Loss of Their Homes. 4). Pennsylvania Housing Finance Agency also offers other loan programs that may assist homeowners in default. Please See the PHFA website h!tp://www.phfa.org/consumers/homeowners/r.-al.aspx. 5). Call the Plaintiff (your lender) at and ask to speak to someone about Loss Mitigation or Home Retention options. 6). Call or contact our office to request the amount to bring the account current, or payoff the mortgage or request a Loan Workout / Home Retention Package. Call our toll free number at 1-866-413-2311 or via email at homeretention@ Roldbecklaw.com. Call Seth at 215-825-6329 or fax 215-825-6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215-825-6318 or Fax: 215-825-6418. Please reference our Attorney File Number of 103964FC. Para informacion en espanol puede communicarse con Loretta a1215-825-6344. CUMBERLAND LAW JOURNAL Writ No. 2010-6980 Civil deed dated 2/9/2000 and recorded 2/ 11 /2000 in Cumberland County in Wells Fargo Bank, NA Deed Book Volume 216 at Page 140 granted and conveyed unto Lynn C. vs. Cooper, a married man. Lynn C. Cooper Cathy Cooper Atty.: Michael McKeever ALL THAT CERTAIN lot situated in the Township of Upper Allen, County of Cumberland, Commonwealth of Pennsylvania, bounded and de- scribed as follows: BEGINNING at a point on the Northerly line of Emily Dive at the Southwesterly corner of Lot No. 9, as shown on the Plan of Center Square Manor, Section 3; thence by the di- viding line between Lots Numbers 8 and 9 on said Plan, North 12 degrees 08 minutes East, a distance of 87.53 feet to a point; thence by the dividing line between Lots Numbers 7 and 8 on said Plan, South 88 degrees 81 minutes West, a distance of 136.90 feet to a point in the Easterly line of Herman Drive; thence by the Easterly line of Herman Drive in a Southerly direction by a curve to the left having a radius of 48:L55, an arc distance of 86.08 feet to a point; thence by a curve to the left having a radius of 16.00 feet, an arc distance of 24.04 feet to a point in the Northerly line of Emily Dive; thence by the Northerly line of Emily Dive, North 79 degrees 39 minutes East, a distance of 97.48 feet to a point, the Place of BEGIN- NING. CONTAINING 11,761 square feet of land. BEING Lot Number 8 in the Plan of Lots of Center Square Manor, Sec- tion 3, which Plan is recorded in the Office of the Recorder of Deeds in and for Cumberland County, in Plan Book 20, Page 45. Parcel No. 42-30-2108-044. BEING KNOWN AS: 944 Emily Drive, Mechanicsburg, PA 17055 BEING the same premises which Clarence E. Steck, Jr. and Nancy R. Steck, husband and wife by 13 Aft 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: April 22, April 29, and May 6, 2011 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. sa Marie Coyne, Edito SWORN TO AND SUBSCRIBED before me this da of May, 2011 Notary NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BOROUGH, CUMBERLAND COUNTY My Commission Expires Apr 26, 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 The Pattl*otarNews 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 printec 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: 04/22/11 04/29/11 05/06/11 . . . . . . . . \.. .. . . . . .?. t .: . .. . . . . . . . . Sworn to and subscribed before me this 23 day of May, 2011 A.D Notary Public COMMONWEAL-; H OF PENNSYLVAN:?'n "rial Seal >neme L X seer, Notary Public Low2:r Paxt n "rwp.,, Dauphin County 4y Commission &plres Nov. 26, 2011 Member Pf nnsv!vanla Association of Nota-, 2010-6980 Civil Term Wells Fargo Bunk, NA Vs Lynn C. Cooper Cathy Cooper Atty: Michael McKeever ALL THAT CERTAIN lot situated in the Township of Upper Allen, County of Cumberland. Commonwealth of Pennsylvania, bounded and described as follows BEGINNING at a point on the Northerly line of Emily Dive at the Southwesterly corner of Lot No. 9, as shown on the Plan of Center Square Manor, Section 3; thence by the dividing line between Lots Numbers 8 and 9 on said Plan, North 12 degrees 08 minutes East, a distance of 87.53 feet to a. point; thence by the dividing line between Lots Numbers 7 and 8 on said Plan, South 88 degrees 81 minutes West, a distance of 136.90 feet to a point in the Easterly he of Herman Drive; thence by the Easterly he of Herman Drive in a Southerly direction by a curve to the left having a radius of 48155, an arc distance of 86.08 feet to a point; thence by a curve to the left having a radius of 16.00 feet, an arc distance of 24.04 feet to a point in the Northerly line of Emily Dive; thence by the Northerly line of Emily Dive, North 79 degrees 39 minutes East, a distance of 97.48 feet to a point, the Place of BEGINNING. CONTAINING 11,761 square feet of land. BEING Lot Number 8 in the Plan of Lots of Center Square Manor, Section 3, which Plan is recorded in the Office of the Recorder of Deeds in and for Cumberland County, in Plan Book 20, Page 45. Parcel No. 42-30-2108-044. BEING KNOWN AS: 944 Emily Drive, Mechanicsburg, PA 17055 BEING the same premises which Clarence E. Steck, Jr. and Nancy R. Steck, husband and wife by deed dated 2/9(2000 and recorded 2(11/2000 in Cumberland County in Deed Book Volume 216 at Page 140 granted and conveyed unto Lynn C. Cooper. a married man.