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HomeMy WebLinkAbout11-0681SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929 LESLIE RASE, ESQ., ATTORNEY I.D. NO. 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-039012 rr"ILEA-OI I' ICt, OF THE PROTHONOTARY 2011 JAN 21 PM 1: 11 CUMBERLAND COUNTY PENNSYLVANIA Provident Funding Associates, L.P. COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY vs. NO: C i yi t TeX . Marva R. Purvis 2280 Country Road Chambersburg, PA 17201 Donald L. Purvis 2280 Country Road Chambersburg, PA 17201 DEFENDANTS ; COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE. NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE RAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929 LESLIE RASE, ESQ., ATTORNEY I.D. NO. 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-039012 Provident Funding Associates, L.P. COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY VS. NO: Marva R. Purvis 2280 Country Road Chambersburg, PA 17201 Donald L. Purvis 2280 Country Road Chambersburg, PA 17201 DEFENDANTS COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, Provident Funding Associates, L.P., the address of which is, 1235 N. Dutton Ave., Ste E, P.O. Box 5914, Santa Rosa, California 95401, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: Mortgage Electronic Registration Systems, Inc., as nominee for Provident Funding Group, L.P. Mortgagor(s): Marva R. Purvis and Donald L. Purvis (b) Date of Mortgage: March 25, 2009 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Document ID# 200909347 Date: March 27, 2009 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. (d) Assignments: Assignor: Mortgage Electronic Registration Systems, Inc., as nominee for Provident Funding Group, L.P. Assignee: Provident Funding Associates, L.P. The assignment is in the process of being formalized. 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by operation of law and/or by virtue of the above-described Assignment(s). 3. The real property which is subject to the Mortgage is generally known as 219 South Penn Street, Shippensburg, Pa 17257 and is more specifically described as attached as part of Exhibit "A": 4. The names and mailing addresses of the Defendants are: Marva R. Purvis, 2280 Country Road, Chambersburg, PA. 17201 Donald L. Purvis, 2280 Country Road, Chambersburg, PA 17201 5. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 6. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of October 1, 2010 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 7. The following amounts are due as of December 30, 2010: Principal Balance Due $85,536.72 Interest Currently Due and Owing at 6.25% From September 1, 2010 to December 30, 2010 $1,761.25 Late Charges $53.56 Title Search Fees $250.00 Corporate Advance $24.00 Attorney Fees & Costs of Foreclosure $4,276.84 TOTAL $91,902.37 8. Interest accrues at a per diem rate of $14.65 each day after December 30, 2010, that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Note and Mortgage. 9. The attorneys' fees set forth above are inconformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. 10. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et seg., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Copies of the material part of the Notice are attached hereto as Exhibit "B" in accordance with Pa.R.C.P. 1019(i). 11. Pursuant Pa.R.C.P. 1019(d), the Notice sent to the Defendant(s) contains the information required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. § 403 et seq., and separate Notice of Intention to Foreclose is not required. WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in paragraphs 7 and 8, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO & DeNARDO, LLC Date: t BY: Attorneys for Plaintiff S & D File No. 10-039012 H IfM / -FrmOR 030031 Prepaid By: PROVIDENT FUNDING GROUP, INC. 1633 BAYSHORE HWY, SUITE 100 BURLINGAME, CA 94010 (630)652-1300 Return To: PROVIDENT FUNDING ASSOCIATES, L.P. 1633 BAYSHORE HIGHWAY, SUITE 155 BURLINGAME, CA 94010 UPI Number. _ 3 _ a 15 - 7 0l Loan No. 3819030031 IIIY'• (Space Above This Llne For Recording Data) MORTGAGE DEFINITIONS MIN 1000179.3819030031-9 Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated 3/258009 , together with all Riders to this document. (B) "Borrower" is MARVA R PURVIS AND DONALD L PURVIS, WIFE AND HUSBAND. Borrower is the mortgagor under this Security Instrument. (C) "MFRS" is Mortgage Electronic Registration Systems, Inc. MGRS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MFRS is the mortgagee under this Security Instrument, MERS is organized and existing under the laws of Delaware, and has an address of P.O. Box 2026, Flint, MI 48301-2026; a street address of 3300 S.W. 34th Avenue, Suite 101, Ocala, FL 34474; and telephone number of(888)679-MFRS. (D) "Lender" is PROVIDENT FUNDING GROUP, INC.. Lender Is a CORPORATION organized and existing under the laws of CALIFORNIA. Lendces address is I 1 PARKWAY CENTER, SUITE 110, PITTSBURGH, PA 15220. (E) "Note" means the promissory note signed by Borrower and dated 3/258009. The Note states that Borrower owes Lender EIGHTY SEVEN THOUSAND AND 00/100 Dollar (U.S. $87,000.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than 4/1/2039. (F) 'Property" means the property that is described below under the heading "Transfer of Rights in the Property". (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sutras due under this Security Instrument, plus interest. PENNSYLVANIA-Single Fneily-Foeole M86%V &9 Mu UNIFORM INSTRUMKNr Form 7039 1101 ~ I of 13 ogrs) 0014FA6x-542a 0r J. 16.00 PM o- snlno" Vet. 1 E)(hib a 14 'i (H) "Riders" means all Riders to this Security Insttument that arc executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: () Adjustable Rate Rider ()Condominium Rider () Second Home Rider ()Balloon Rider () Planned Unit Development Rider () Other(s) MW gamily Rider () Biweekly Payment Rider (1) "Applicable L aW means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, not-appealable judicial opinions. (,n "Community Association Dues, Fees and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (Q "Electronic Funds Transfer" means any transfer of finds, other than a transaction originated by check, draft, or similar paper Instrument, which is initiated through an electronic terminal. telephonic instrument, computer. or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" mean those items that are described in Section 3. (M) "M callaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described In Section S) for: (1) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any pan of the Property; (Iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (O) "Periodic Payment" means the regularly scheduled amount due for (1) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the loan does not qualify as a "federally regulated mortgage loan" under RESPA. (Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. FENMYLVANIA-Siedle Family-Funk M&WrWAle Mae UMFORM INSMUMLNT Form 30 4 U01 (pads T @f 1J pVVg oonomdw - Hn74M 2.06 PM P , U234M Vor. I TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender. (€) the repayment of the Lou, and all renewals, exterolons and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS the following described property located in the county of CUMBERLAND LEGAL DBSCRIMON ATTACHED HERETO AND MADE A PART HEREOF AS EXHIBIT "A". 14 FAMILY RIDER ATTACHED HERETO AND MADE A PART HEREOF. which currently has the address of 219 S PENN ST SHIPPENSBURG, PA 17237 ("Property Address"): TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property". Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the tight to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. BORROWER COVENANTS that Borrower Is lawfully selsed of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the tide to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Leader as payment under the Note or this Security Instrument Is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's chock, provided any such check is drawn upon an Institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any PENNSYLVAPIL"inSle Family-Feeeie Maef Wdre Mee UNIFORM INSTRt1Mm Fenn 3em 1181 qAW ) o IjPSAW) 0010PAbe • !lIMM 206 PM P • NlIAM Vet. I ?1 \*..A, .:W? rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of Its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shell relieve Borrower from making payments due under the Note and this Security instrument or performing the covenants and agreements secured by this Security Instrument. 2. Applifeation or Payments or Proceeds. Except as otherwise described In this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. [rands for FAcraw Items. Borrower shall pay to Lender on the day Periodic Payments arc due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section S; and (d) MMrtgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items". At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees and Assessments, if any. be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow item. Borrower shall promptly furnish to Lender all notices of amounts to he paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly. pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow items at any time by a notice given in accordance with Section 13 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that arc then required under this Section 3. Lender may, at any time, collect and hold Funds In an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA. and (b) not to exceed the maximum amount a lender can require under RRSPA. Lender shall estimate tine amount of Funds due on the basis of current data and reasonable estimates of expenditures of Mum Escrow items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so Insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying PENNSYLVANIA-Single Family-Fenale MuNreddle Mee UNIFORM INS"UMEM Farm 3039 INI (Oeas I of IJ pager) e01010AAro. f»rr1oW saarra P. MUM" V'er. I the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made In writing or Applicable Law requires Interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If them Is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA. but in no more than twelve montbly payments. If there is a daimency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than twelve monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Wens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the Ien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the Insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section S shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shalt be payable, with such interest, upon notice from Lender to Borrower requesting payment. All Insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an ?ENNStfLVANIA-Single Family-Fnenk Madrreddle Mae UNIFORM INSTRUMHNT Form 30]9 1101 (=V S4f13podW 0010PA *a - rn7 =0 2 a 0M 1 Vol. i • 34=00 additional toss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. if Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall Include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not mark promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, If the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or In a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third panics, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may tile, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 304ay period will begin when the notice Is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Leader (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights arc applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees In writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or Impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing In the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section S that repair or restoration Is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property. Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is compacted. If the insurance or condemnation proceeds are not suMclent to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and Inspections of the Property. If it has reasonable cause, lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time ofor prior to such an interior inspection specifying such reasonable cause. & Borrower's Loan AppllcaHon. Borrower shall be In default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. PENNSYLVANIA-Single Family-Female MedFrMle Mee UNIFORM INSTRUMENT Form 3079 1/01 law 6 e/1.1 poles) 001MAw. tnenm+s-MvM P. YINM Yer.I 9. Protee&Ij of Lender's Interest In the Property and (tights Under this Securlty Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security instrument, (b) there is a legal pwooeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of alien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but arc not limited to: (a) paying any rums secured by a lien which has priority over this Security Instrument; (b) appearing in cowl; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to matte repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off'. Although Lender may take action under this Section 9, Lender does not have to do so and Is not under any duty or obligation to do se. it Is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest. upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Leader agrees to the merger In writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage Insurer that previously provided such Insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance. Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage Is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain those payments as a non-rettundable loss reserve in lieu of mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shalt pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until the Lender's requirement for Mortgage Insurance ends in accordance with any written agreeanent between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfectory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsura, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender PENNSYLVANL441aSk Fwfly-Fannk MmVftddle Mee UNIFORM IN.4rRUMENT Ferm 3a)9 1101 (*w t of /t pssa) 0010PAAW • !!1711002 2010M P_ MY" Var.1 takes a share of the insurces risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further. (a) Any suet agreements will not aged the amounts that Borrower has sgreed to pity for Mortgage Insurance, or any other terms of the Loan. Such agreements will not Increase the amount Borrower wM owe for Mortgage Insurance, and they will sot entitle Borrower to airy rehad. (b) Any sub agreements will not affect the rights Borrower bas- U any- with respect to the Mortgage Insurance under the Homeowners Protection Act of 1995 or any other law. These rights may Indude the right to receive certain disclosures, to request and obtain cancellation of the Mortgage insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refttnd of any Mortgage Insurance premium that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or In a series of progress payments as the work is =npleted. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value Is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or, loss In value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss In value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. in the event of a partial taking, destruction, or 1053 in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in (;fault if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgement, could result in forfeiture of the Property or other material impairment of Lender's Interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Leader's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim' for damages that are attributable to the impairment of Lender's interest in the Property arc hereby assigned and shall be paid to Lender. PENNSYLVANIA-Single Family-Fannie MaalPreddle Mu UNIFORM INSTRUMENT Berm 3039 1101 (page d df13 pats) 0010PA,doc • 3117/nW 296 PM P • Hnl/nw Vol. 1 All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Wolver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation. Lender's acceptsncc of payments from third persons, entities or Successors In Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Llablilty; Co-signers; Successor: and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security instrument only to mortgage. grant and convey the co-signer's interest in the Property under the teams of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lander and any other Borrower can agree to extend. modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 19, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. M Loan Charges. Lender may charge Borrower foes fbr services performed in connection with Borrower's default, for the purpose of protecting Lender's Interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys fete, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that low is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Aormwer will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 1S. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender spccities a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borruwcr. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. KNNSVLVANIA-Single Family Faaala MadP4eddlt Mat UNIFORM INSTRUMENT Form 3009 1101 LwV 9aJr3 ppa) 00I0FA du • NI mono Yod PM P 3Q3fM Ver.1 16. Governing Law; Severabllity; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction In which the Properly is located. All rights and obligations contained In this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and Include corresponding neuter words or words of the feminine gender. (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. I& Transfer of the Property or a Beneficial Interest In Borrower. As used in this Section 19, "Interest in the Property" means any legal or beneficial Interest in the Property, including, but not limited to, time beneficial interests transferred in a bond for deed, contract for deed, Installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security instrument. However. this option shall not be exercised by Lender nuch exercise is prohibited by federal law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the eediest of: (a) live days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's Interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender. (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acccieration under Section I B. 20. Sale of Note; Change of Loan Servlcer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the lunge which will state the name and address of the new Loan Scrvicer, the address to which payments should be made and any other information RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. MVNSYLVANIA-Sieate Family-Fannie Mae*Wddte Mae UNIFORM INSTRUMENT Form 3939 INI fie 1d of 1J pegs) eolePA dx- Sn?4= 31a PM Var. 1 P • murA 9 Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period alter the giving of such notice to take corrective action. 1 f Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. Too notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a)"Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence. use, disposal, storage, or release of any Hazardous Substances, or threaten to reicesc any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that arc generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement In this Security Instrument (but not prior to acceleration under Section IS uniem Applicable Law provides otherwise). Leader shall! notify Borrower of, among other things; (a) the default; (b) the action required to cure the default; (c) when the default must be cured; and (d) that failure to cure the default as speeined may result in acceleration of the sums secured by this Security Instrument, Foreclosure by Judicial proceeding and sale of the Property. Leader shall further inform Borrower of the right to reinstate after acceleration and the right to assert In the foreclosure proceeding the iron-existence of a default or any other defense of Borrower to acceleration and foreclosure. if the defauU is not cured as specified, Leader at its option may require Immediate payment In full of all sums secured by this Security Instrument whhout farther demand and may foreclose this Security Instralneat by JueuoW proceeding. Lander shall be entitled to collect all expenses incurred In pursuing the remedies provided M this Section 22, including, but not limited to, attorneys' fees and cash of title evidence to the extent permitted by Applicable Lifts. 23. Release. Upon payment of all sums secured by this Security Instrument, this Security instrument and the estate conveyed shall terminate and become void. After such occurrence, Lender shall discharge and satisfy this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this rENNMVANIA-Single Family-Fannie MsNFreddk Mae UNIFORM IY37RUMKNT Fortin 3439 1191 (pair 110/ 1J papa) 9010PA dm - 011/2002 2 06 PM P - slum ver. 1 Security Instrument, but only if the fee Is paid to a third pony for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower, to the extent permitted by Applicable Law, waives and releases any error or defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or future laws providing for stay of execution, extension of time, exemption from attachment. levy and sale, and homestead exemption. 25. Reinstatement Period. Borrower's time to reinstate provided in Section 19 shall extend to one hour prior to commencement of bidding at a shedfrs sale or other sale pursuant to this Security Instrument. 26. Purchase Money MortMe. If any of the debt secured by this Security Instrument is lent to Borrower to acquire title to the Property, this Security Instrument shall be a purchase money mortgage. 27. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Notc. PlINNMVANIA-SM109 Fenny-Peanh MednWille Mae UNIFORM INMUMENT Fenn 3639 IMI (sw 12 of I$ pea) 0010Mdec • $1174000 2% PM P. Utram Ver.1 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and In any Rider executed by Borrower and recorded with it. Witnesses: A I - A 1141,191 A (Seat) M VA R PURVI -Borrower Abu ONALD L PURVIS -Borrower (W) -Borrower _ (Seal) -Borrower ACKNOWLEDGEMENT COMMONWEALTH OF PENNSYLVANIA, ?TO kV. ? ? County ss: On this day of M QWj1 2,C1?_ 0 I before me, the undersigned officer, personally appeared MARVA RPURVIS DONALD L PURVIS known to me (or satisfactorily proven) to be the person(s) whose name(s) isWc subscribed to the within instrument and acknowledged that helshelthey executed the same for the purpose herein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal. My Commission expires: e NOT iAL SFJ?L daaslca L Foust, Notary Public Chambersburg Bor?res Ma 26C? My Commiss?n Exp' Y Title of Officer PENNSYLVANIA-Single Family-Fannie M&Wnddk Mae UNIFI)1tM INSTRUMRNT Form 3039 1101 (pace l3 qr l3 paw eorePe7JUr001Ir:07 PM Vea 1 CTA1053 Uhibit-A the that certain lot of ground with the dvveNing?nhouse Commonwealth of Pen sylvaniaStreet, bosituate undednand iugh of Shippensburg, Cumberland Co ty, ;ribed as follows: the West by South Penn Street; on the North by property formerly of the William E. Shepley ite, being now or formerly of Zelda Hamilton; on the East by property formerly of John Barnett crated from it by a narrow alley and property now or formerly of Samuel W. Harper; and on the oth th by the right-of--way of the Reading Company; with Samuel private driveway Harper afor nd Johvehicles arnett to a veyances, from Penn Street, through the property the lic alley, which parallels Penn Street, which private driveway h Barnett propert?aforement oned,f and ;in described real estate and the Harper property ;r desiring to use the same. Howard LNG the same real estate which Howard A. Wright, Jr., administrator f r 29, e1976estate in t e Office of ight, Sr., by deed dated September 16, 1976, and recorded Novembe Recorder of Deeds of Cumberland County, Pennsylvania in Deed Book X, Volume 26, Page 384, iveyed to Donald L. Purvis and Marva R. Purvis. :luded in the above description, but expressly excluded from this mortgage is a certain parcel of the 31 estate conveyed from Donald L. Purvis and Marva Purvis, his wife n the Office ofhth of iippensburg, dated February 18, 1982 and recorded February 23, 1982 icorder of Deeds of Cumberland County, Pennsylvania in Deed Book R, Volume 29, Page 986. 7009 2250 000], 6828 3564 Provident Funding" The Mortgage Price Leader Date: 11130!2010 MARVA R PURVIS DONALD L PURVIS MARVA R PURVIS 2280 COUNTRY RD CHAMBERSBURG, PA 17201 RE: Property Address: 219 S PENN ST, SHIPPENSBURG, PA 17257 Loan Number: 3819030031 A default exists under the above referenced Mortgage/Deed of Trust loan agreement. The action required to cure the default is the payment of all sums due under the Mortgage/Dead of Trust ban agreement. As of the date of this letter the total amount due is $1,361.84 . That sum includes the following: 2 Payments totaling: $1,323.06 Late Charges: $26.78 Other Fees and Costs: $0.00 The total amount due, shown above, is subject to further increases for additional monthly payments, late charges, attorney fee's and/or other fees and costs which may become due, after the date of this letter. To obtain an update of the total amount due to cure this default, you may contact us at (800) 696-8199. If the default is not cured within thirty (30) days of the mailing of this letter, the lender, without further notice or demand, will accelerate the maturity date of the Note and declare all sums secured by the Mortgage/Deed of Trust to be immediately due and payable. The lender then intends to have the property sold at a public foreclosure sale. After acceleration, a curing of the default and reinstatement of the loan will be permitted up to the time of the sale by paying the past due monthly payments and other sums then due under the Mortgage/Deed of Trust loan agreement and by complying with all terms of reinstatement. TO CURE THIS DEFAULT, SEND YOUR CASHIERS CHECK, MONEY ORDER OR CERTIFIED CHECK IN THE AMOUNT OF $1,361.84 WITHIN 30 DAYS FROM THE DATE OF THIS LETTER TO THE FOLLOWING ADDRESS, Provident Funding Associates, L.P. Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 (800) 696- 8199 Provident Funding is not asserting that you have any affirmative obligation to reinstate or payoff this loan. However, as a courtesy Provident Funding is advising you of the amount necessary to reinstate and/or payoff the loan so you are aware that we will be pursuing legal remedies to acquire title to the property based on the default status of the loan. You have the right to bring a court action to assert the nonexistence of a default or any other defense that may exist to prevent acceleration and sale of the property. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. Sincerely, Provident Funding Associates, L.P. Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 Phone: (800) 696-8199 Fax: (707) 568-2737 8:00 AM to 5:00 PM PT Mon-Fri 52 h*Xh )" b), "A f# I ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFFERED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. This Is an official notice that the mortgage on your home i in defaUlR and the lender intends to foreclose. Soecifi information about the 13gWre of default Is provided in the attached oases. ?_ . ,....??.uurn,n u/ M-r^ wnr A0010VA AIt%= 00Ar]0AAI IUCUADI may ha aWa 4A hain Vni, 4SVA vnllr hnrr This notice contains important Legal information. if you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUE AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE ED CONTIENDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCIO IMMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMANDO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASE DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECH. Date: 11/30/2010 To: MARVA R PURVIS 2280 COUNTRY RD CHAMBERSBURG, PA 17201 Premises: 218 S PENN ST, SHIPPENSBURG, PA 17257 From: Provident Funding HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1883 (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 ELIGIBILTY 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 M111.18T OCCUR WITHIN THE NEXT THIRTY THREE (331 DAYS. IF YOU DO NOT THE PART OF THIS NOTICE CALLED 'HOW TO CVRE YOUR bdOBMAgg 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 Qouab In xMi2b We g roogCtY is IWAto 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 AAS TANCE - Your mortgage is in default for the reasons set forth later in this notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated Consumer Credit Counseling agencies listed at the end of this Notice. Only Consumer Credit Counseling Agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your Application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 Phone: (800) 696-8199 Fax: (707) 568-2737 8:00 AM to 5:00 PM PT Mon-Fri 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 MR FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TENIPORARILY 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 HEMeP 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 SHERIFFS SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the agency under the eligibility criteria established by The ACT. The Pennsylvania Housing Finance Agency has Sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS AN ATTEMPT TO COLLECT THE DEBT. (if you have filed bankruptcy you can still apply for Emergency Mortgage Assistance) NATURE OF THE DEFAULT: The MORTGAGE debt held by the above lender on your property located at: 219 S PENN ST SHIPPENSBURG PA 17257 IS SERIOUSLY IN DEFAULT because: You have not made monthly mortgage payments for the following months and the following amounts are now past due: Monthly payments from 10/1/2010 to 11/1/2010. $1,323.06 Late Charges: $26.78 Other Fees and/or costs (including NSF charges and property inspections): $12.00 Total: $1,381.84 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this Notice BY PAYING THE TOTAL AMOUNT DUE TO THE LENDER, WHICH IS $1,361.84 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cosh. cashier's, check. certified check or money order made payable and sent to: Provident Funding Associates, L.P. Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 (600) 696-8199 IF YOU DO NOT CURE THE DEFAULT: If you do not cure the default within Thirty (30) Days of the date of this notice, the lender Intends to ax@Mbm Its right to accelerate the mi"Wagg 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 attorney to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property wHi be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to Its attorney but you cure the delinquency before Before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorneys 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 jhIldy (30) day period you will on t be reoulred to pay attorneys fees. OTHER LENDER REMEDIEA - 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 THE SHERIFF'S SALE - If you have not cured the default within the Thirty (30) Day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to aria hour before the Sheriffs SSale You may do eying the total amount than alllst dua. plus env late or other charges then due. reasonable ettomevs fees and costs connected with the foreclosure sale and any other cuts connected with the Sheriffs Sale as specified In writing by the lender and by mdormina any other Mgutrements under the moMae. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as N you had never defaulted. EARLIEST POSSIBI E SHERIFF'S SALE DATE - It is estimated that the earliest date that such a SherWMTms Sale of the mortgaged property could be held would be approximately six (6) months from the date of this notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of Course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 Phone: (800) 696-8199 Fax: (707) 568-2737 8:00 AM to 5:00 PM PT Mon-Fri EFFECT OF THE SHERIFF'S SALE - You should realize that a Sheriffs Sale would and 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 be able to sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding navments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT (HOWEVER YOU DO NOT HAVE THE RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDER 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. Sincerely, Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 Phone: (800) 696-8199 Fax: (707) 566-2737 8:00 AM to 5:00 PM PT Mon-Fri Enclosure(s) List of Counseling Agencies HEMAP Consumer Credit Counseling Agencies Cumberland County Adana County Interfaith Housing CCCS of Western PA Community Action Commission of Authority 2000 Linglestown Road Captlal Region 40 E High Street Harrisburg, PA 17102 1514 Deny Street Gettysburg, PA 17325 (888) 511-2227 Harrisburg, PA 17104 (717) 334-1518 Fax: (888) 511-2227 (717) 232-9757 Loveship, Inc. Maranathe PHFA 2320 North 5th Street 43 Philadelphia Avenue 211 North Front Street Harrisburg, PA 17110 Waynesboro, PA 17268 Harrisburg, PA 17110 (717) 232-2207 (717) 762-3285 (717) 780-3940 Fax: (800) 342-2397 7009 2250 0001 6828 4066 Provident EmdW The Mortgage Price Leader Date: 11/30/2010 MARVA R PURVIS DONALD L PURVIS MARVA R PURVIS 219 S PENN ST SHIPPENSBURG, PA 17257 RE: Property Address: 219 S PENN ST, SHIPPENSBURG, PA 17257 Loan Number: 3819030031 A default exists under the above referenced Mortgage/Deed of Trust loan agreement. The action required to cure the default is the payment of all sums due under the Mortgage/Deed of Trust loan agreement. As of the date of this letter the total amount due Is $1,361.84 . That sum includes the following: 2 Payments totaling: $1,323.06 Late Charges: $26.78 Other Fees and Costs: $0.00 The total amount due, shown above, is subject to further increases for additional monthly payments, late charges, attorney fee's and/or other fees and costs which may become due, after the date of this letter. To obtain an update of the total amount due to cure this default, you may contact us at (800) 696-8199. If the default is not cured within thirty (30) days of the mailing of this letter, the sender, without further notice or demand, will accelerate the maturity date of the Note and declare all sums secured by the Mortgage/Deed of Trust to be immediately due and payable. The lender then Intends to have the property sold at a public foreclosure sale. After acceleration, a curing of the default and reinstatement of the loan will be permitted up to the time of the sale by paying the past due monthly payments and other sums then due under the Mortgage/Deed of Trust loan agreement and by complying with all terms of reinstatement. TO CURE THIS DEFAULT, SEND YOUR CASHIERS CHECK, MONEY ORDER OR CERTIFIED CHECK IN THE AMOUNT OF $1,361.84 WITHIN 30 DAYS FROM THE DATE OF THIS LETTER TO THE FOLLOWING ADDRESS: Provident Funding Associates, L.P. Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 (800) 696- 8199 Provident Funding is not asserting that you have any affirmative obligation to reinstate or payoff this loan. However, as a courtesy Provident Funding is advising you of the amount necessary to reinstate and/or payoff the loan so you are aware that we will be pursuing legal remedies to acquire title to the property based on the default status of the loan. You have the right to bring a court action to assert the nonexistence of a default or any other defense that may exist to prevent acceleration and sale of the property. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. Sincerely, Provident Funding Associates, L.P. Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 Phone: (800) 696-8199 Fax: (707) 568-2737 8:00 AM to 5:00 PM PT Mon-Fri 54 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFFERED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. Tttis is an official notco that the mortoage on your home is in default, and the lender intends to foreclose. Specific information about the nature of default is ppndded In the attached paces. The HOMEOWNERS bdQRTGAGE ASSISTANCE PROGRAM (fie) may be able to help you save your home. works. This notice explains how the pi2gram TO SEE IF HEMAP CAN HELP YOU. YOU MUST MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this ngUya you when you meet with the Counseling Agengy, The name. address apd phone number of Consumer Counseling Credit ancia serving your county are listed at the and of this Notice. If you hays any nuestionss,,-you may cap the Pennsylvania Housing Finance Agency toll free at 1- AQQ;342-2 7. (Persons with Impaired hearing can call (717) 780-18691 This notice contains Important Legal information. If you have any questlons, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUE AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE ED CONTIENDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCIO IMMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMANDO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASE DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECH. Date: 1113012010 To: MARVA R PURVIS 219 S PENN ST SHIPPENSBURG, PA 17257 Premises: 219 S PENN ST, SHIPPENSBURG, PA 17257 From. Provident Funding HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM 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 ELIGIBILTY 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_OCCURWITHMI THE NEXT THIRTY-THREE 1331 DAYS. IF YOU DO NOT THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT". EXPLAINS HOW TO (IEING 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 daignated consumer credit counseling agencies for the coun In which thg ylropertv is located are set forth at the and of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated Consumer Credit Counseling agencies listed at the end of this Notice. Only Consumer Credit Counseling Agencies have applications for the program and they will assist you In submitting a complete application to the Pennsylvania Housing Finance Agency. Your Application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 Phone: (800) 696-8199 Fax: (707) 568-2737 8:00 AM to 5:00 PM PT Mon-Fri 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 AN 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. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the agency under the eligibility crlteria established by The ACT. The Pennsylvania Housing Finance Agency has Sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance) NATURE OF THE DEFAULT: The MORTGAGE debt held by the above lender on your property located at: 219 S PENN ST SHIPPENSBURG PA 17257 IS SERIOUSLY IN DEFAULT because: You have not made monthly mortgage payments for the following months and the following amounts are now past due: Monthly payments from 10/1/2010 to 11/1/2010. $1,323.06 Late Charges: $26.78 Other Fees and/or costs (Including NSF charges and property inspections): $12.00 Total : $1,361.84 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this Notice BY PAYING THE TOTAL AMOUNT DUE TO THE LENDER, WHICH IS $1,361.84 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either cash. cashier's check. certified check or money order made payable and sent to: Provident Funding Associates, L.P. Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 (800) 696-8199 IF YOU DO NOT CURE THE DEFAULT' If you do not cure the default within Thirty (30) Days of the date of this notice, the tender intends to ex*rciee 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 attorney to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE 13 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 attorney but you cure the delinquency before Before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorneys 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 tender, 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 (301 day period. you will not be 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 THE SHERIFF'S SALE - If you have not cured the default within the Thirty (30) Day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time ug to one hour before the Sheriffs Sale. You may do so by pjWng the total amount then oast due, plus any late or other charges then due. reasonable attomevs fees alad-costs connected with the foraciosure sale and any other gpsts connected with the Sheriffs Sale as specified in writing )?y the lender and by gerformino am 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 F'S SALE DATE - It is estimated that the earliest date that such a SheriffWms Sale of the mortgaged property could be held would be approximately six (0) months from the date of this notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of Course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Counseling Department P.O. Box $914 Santa Rosa, CA 95402-5914 Phone: (800) 696-8199 Fax: (707) 568-2737 8:00 AM to 5:00 PM PT Mon-Fri f.FFECT OF THE SHERIFF'S SALE - You should realize that a Sheriffs Sale would end your ownership of the mortgaged property and your right to occupy it. If you continue to live In the property after the Sheriff's 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 be able to sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT (HOWEVER YOU DO NOT HAVE THE RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDER 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. Sincerely, Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 Phone: (800) 696-8199 Fax: (707) 568.2737 8:00 AM to 5:00 PM PT Mon-Fri Enclosure(s) List of Counseling Agencies HEMAP Consumer Credit Counseling Agencies Cumberland County Adams County Interfaith Housing CCCS of Western PA Community Action Commission of Authority 2000 Linglestown Road Captlal Region 40 E High Street Harrisburg, PA 17102 1514 Derry Street Gettysburg, PA 17325 (888) 511-2227 Harrisburg, PA 17104 (717) 334-1518 Fax: (888) 511-2227 (717) 232-9757 Loveship, Inc. Maranatha PHFA 2320 North 5th Street 43 Philadelphia Avenue 211 North Front Street Harrisburg, PA 17110 Waynesboro, PA 17268 Harrisburg, PA 17110 (717) 232-2207 (717) 762-3285 (717) 780-3940 Fax: (800) 342-2397 Pli dent Eunding"' The Mortgage Price Leader Date: 11 t3012010 DONALD L PURVIS 219 S PENN ST SHIPPENSBURG, PA 17257 RE: Property Address: 219 S PENN ST, SHIPPENSSURG, PA 17257 Loan Number, 3819030031 MARVA R PURVIS DONALD L PURVIS A default exists under the above referenced Mortgage/Deed of Trust loan agreement. The action required to cure the default is the payment of all sums due under the Mortgage/Deed of Trust loan agreement. As of the date of this letter the total amount due is $1,361.84. That sum includes the following: 2 Payments totaling: $1,323.06 Late Charges: $26.78 Other Fees and Costs: 50:00 The total amount due, shown above, is subject to further increases for additional monthly payments, late charges, attorney fee's and/or other fees and costs which may become due, after the date of this letter. To obtain an update of the total amount due to cure this default, you may contact us at (800) 696-8199_ I the default is not cured within thirty (30) days of the mailing of this, letter, the lender, without further notice or demand, will accelerate the maturity date of the Note and declare all sums secured by the Mortgage/Deed of Trust to be immediately due and payable. The lender then intends to have the property sold at a public foreclosure sale. After acceleration, a curing of the default and reinstatement of the loan will be permitted; up to the time of the sale by paying the past due monthly payments and other sums then due under the Mortgagelbeed of Trust loan agreement and by complying with all terms of reinstatement. TO CURE THIS DEFAULT, SEND YOUR CASHIERS CHECK, MONEY ORDER OIL CERTIFIED CHECK IN THE AMOUNT OF $1,361.84 WITHIN 30 DAYS FROM THE DATE OF THIS LETTER TO THE FOLLOWING ADDRESS: Provident Funding Associates, L.P. Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 (800) 696- 8199 Provident Funding is not asserting that you have any affirmative obligation to reinstate or payoff this loan. However, as a courtesy Provident Funding is advising you of the amount necessary to reinstate and/or payoff the loan so you are aware that we will be pursuing legal remedies to acquire title to the property based on the default status of the loan. You have the right to bring a court action to assert the nonexistence of a default or any other defense that may exist to prevent acceleration and sale of the property THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. Sincerely, Provident Funding Associates, L.P. Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 Phone: (800) 696.6199 Fax: (707) 568-2737 8:00 AM to 5:00 PM PT Mon-Fri 58 llw ? ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFFERED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. This is an official note that the mortgage on vpur home is in default. and the lender intends to foreclose. Specifi jpfonnation bout the nature of default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to hell) you save your hom This notice explains how the program works. TO SEE IF HEMAP CAN HELP YOU. YOU MUST MEET WITH A CONSUMER CREDIT COUNSELING AGENC` WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this notice with you when you meet with the Counselin The name. address and phone number of Consumer Counseling Credit Agencies serving your county are listed at th end of this Notice. If you have env questions. you may call the Pennsvlvania Housing Finance Aaencv toll free at 1- This notice contains important Legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUE AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE ED CONTIENDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCIO IMMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMANDO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASE DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECH. Date: 11/3012010 To: DONALD L PURVIS 219 S PENN ST SHIPPENSBURG, PA 17257 Premises: 219 S PENN ST, SHIPPENSBURG, PA 17257 From: Provident Funding HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM 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 ELIGIBILTY 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 THE NEXT THIRTY-THREE (33) DAYS. 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 coun in which the SjEgpgdX is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowners Emergency Assistance Program Application with one of the designated Consumer Credit Counseling agencies listed at the end of this Notice. Only Consumer Credit Counseling Agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your Application MUST be riled or postmarked within thirty (30) days of your face-to-face meeting. Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 Phone: (800) 696.8199 Fax: (707) 568-2737 8:00 AM to 5:00 PM PT Mon-Fri 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 MQ 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. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the agency under the eligibility criteria established by The ACT. The Pennsylvania Housing Finance Agency has Sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have flied bankruptcy you can still apply for Emergency Mortgage Assistance) NATURE OF THE DEFAULT: The MORTGAGE debt held by the above lender on your property located at: 219 S PENN ST SHIPPENSBURG PA 17257 IS SERIOUSLY IN DEFAULT because: You have not made monthly mortgage payments for the following months and the following amounts are now past due: Monthly payments from 10/112010 to 11/112010. $1,323.06 Late Charges: $26.78 Other Fees and/or costs (including NSF charges and property inspections): $12.00 Total: S1,361.84 HOW TO CURE ZHE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this Notice BY PAYING THE TOTAL AMOUNT DUE TO THE LENDER, WHICH IS $1,361.84 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to: Provident Funding Associates, L.P. Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 (800) 696-8199 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within Thirty (30) Days of the date of this notice, the lender intends to exercise its 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 attorney to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE 18 FORECLOSgQ UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt If the lender refers your case to Its attorney but you cure the delinquency before Before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorneys 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 he default within the Thirty (30) day R2 iod. you will not be rea lre? to Ray a omexs fees. OTHER LE DER 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 THE SHERIFF'S SALE - If you have not cured the default within the Thirty (30) Day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so byagging the total amount then past due. ohm 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 mod=e. 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 Sherl fb(T"s Sale of the mortgaged property could be held would be approximately six (6) months from the date of this notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of Course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 Phone: (800) 696-8199 Fax: (707) 568-2737 8:00 AM to 5:00 PM PT Mon-Fri I-ov, EFFECT OF THE SHERIFF'S SALE - You should realize that a Sheriffs Sale would end your ownership of the mortgaged property and your right to occupy ft. 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 be able to sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT (HOWEVER YOU DO NOT HAVE THE RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDER 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. Sincerely, Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 Phone: (800) 696-8199 Fax: (707) 568-2737 8:00 AM to 5:00 PM PT Mon-Fri Enclosure(s) List of Counseling Agencies \,,,f HEMAP Consumer Credit Counseling Agencies Cumberland County Adams County Interfaith Housing CCCS of Western PA Community Action Commission of Authority 2000 Linglestown Road Capital Region 40 E High Street Harrisburg, PA 17102 1514 ferry Street Gettysburg, PA 17325 (888) 511-2227 Harrisburg, PA 17104 (717) 334-1518 Fax: (888) 511-2227 (717) 232-9757 Loveshlp, Inc. Maranaths PHFA 2320 North 5th Street 43 Philadelphia Avenue 211 North Front Street Harrisburg, PA 17110 Waynesboro, PA 17268 Harrisburg, PA 17110 (717) 232-2207 (717) 762-3285 (717) 780-3940 Fax: (800) 342-2397 7009 2250 0001 6828 4158 Provident Funding® The Mortgage Price Leader Date: 11130/2010 MARVA R PURVIS DONALD L PURVIS DONALD L PURVIS 2280 COUNTRY RD CHAMBERSBURG, PA 17201 RE: Property Address: 219 S PENN ST, SHIPPENSBURG, PA 17257 Loan Number: 3819030031 A default exists under the above referenced Mortgage/Deed of Trust loan agreement. The action required to cure the default is the payment of all sums due under the Mortgage/Deed of Trust loan agreement. As of the date of this letter the total amount due is $1,361.84 . That sum includes the following: 2 Payments totaling: $1,323.06 Late Charges: $26.78 Other Fees and Costs: $0.00 The total amount due, shown above, is subject to further increases for additional monthly payments, late charges, attorney fee's and/or other fees and costs which may become due, after the date of this letter. To obtain an update of the total amount due to cure this default, you may contact us at (800) 696-8199. If the default is not cured within thirty (30) days of the mailing of this letter, the lender, without further notice or demand, will accelerate the maturity date of the Note and declare all sums secured by the Mortgage/Deed of Trust to be immediately due and payable. The lender then Intends to have the property sold at a public foreclosure sale. After acceleration, a curing of the default and reinstatement of the loan will be permitted up to the time of the sale by paying the past due monthly payments and other sums then due under the Mortgage/Deed of Trust loan agreement and by complying with all terms of reinstatement. TO CURE THIS DEFAULT, SEND YOUR CASHIERS CHECK, MONEY ORDER OR CERTIFIED CHECK IN THE AMOUNT OF $1,361.84 WITHIN 30 DAYS FROM THE DATE OF THIS LETTER TO THE FOLLOWING ADDRESS: Provident Funding Associates, L.P. Counseling Department P.Q. Box 5914 Santa Rosa, CA 95402-5914 (800) 696- 8199 Provident Funding is not asserting that you have any affirmative obligation to reinstate or payoff this loan. However, as a courtesy Provident Funding Is advising you of the amount necessary to reinstate and/or payoff the loan so you are aware that we will be pursuing legal remedies to acquire title to the property based on the default status of the loan, You have the right to bring a court action to assert the nonexistence of a default or any other defense that may exist to prevent acceleration and sale of the property. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. Sincerely, Provident Funding Associates, L.P. Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 Phone: (800) 696-8199 Fax: (707) 568-2737 8:00 AM to 5:00 PM PT Mon-Fri 56 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFFERED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. This notice contains important Legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain It. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUE AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE ED CONTIENDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCIO IMMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMANDO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL COAL PUEDE SALVAR SU CASE DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECH. Date: 11/30/2010 To: DONALD L PURVIS 2280 COUNTRY RD CHAMBERSBURG, PA 17201 Promises: 219 S PENN ST, SHIPPENSBURG, PA 17257 From: Provident Funding HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM 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 ELIGIBILTY 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 and of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT THIRTY-THREE (33) DAYS. IF YOU DO NOT THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTU8GE DEPAUL i ° txruAiNb nuvv 1 u 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 aaencles for the county in which the QMpg y 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 MORIMGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated Consumer Credit Counseling agencies listed at the and of this Notice. Only Consumer Credit Counseling Agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your Application MUST be filed or postmarked within thirty (30) days of your face4o-face meeting. Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 Phone: (800) 696-8199 Fax: (707) 568-2737 8:00 AM to 5:00 PM PT Mon-Fri YOU SHOULD FILE A HEMAP APPLICATION As SOON AS P082it3LE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE JM 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 HEM_AP APPLICATION EVEN BEYOND THEU TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANYTIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY AMN 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 Finanoe Agency has Sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance) NATURE OF THE DEFAULT: The MORTGAGE debt held by the above lender on your property located at: 219 S PENN ST SHIPPENSBURG PA 17257 IS SERIOUSLY IN DEFAULT because: You have not made monthly mortgage payments for the following months and the following amounts are now past due: Monthly payments from 10/1/2010 to 11/1/2010. $1,323.06 Late Charges: $26.78 Other Fees and/or costs (Including NSF charges and property inspections): $12.00 Total: $1,361.84 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this Notice BY PAYING THE TOTAL AMOUNT DUE TO THE LENDER, WHICH IS $1,361.84 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cosh cashier's check certified check or money order made payable and sent to: Provident Funding Associates, L.P. Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 (800) 696-8199 IF YOU DO NQJ CURE jJiE DEFAULT .7 If you do not cure the default within Thirty (30) Days of the date of this notice, the lender Intends to exercise Its right to accalersts 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 attorney to start legal action to foreclose upon your mortgaged property. IF THE MORTGAAGE 14 EOREGLQBEEQ UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to Its attorney but you cure the delinquency before Before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorneys 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 {301 day period. you will not be Mquired to pay atto neya 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 FAULT PRIOR TO THE SHERIFF'S SALE - If you have not cured the default within the Thirty (30) Day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sole at any time un to one hour before the Sheriffs Sale. You may do so pgy?g the total amount Then past due_ plus any late or other charges then due reasonable a+!ornevs fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as cnacMed in writing by the lender and by performing any other reoulrements 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 SAL DATE - It is estimated that the earliest date that such a ShedMTms Sale of the mortgaged property could be held would be approximately six (6) months from the date of this notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of Course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 Phone: (800) 696-8199 Fax: (707) 568-2737 8:00 AM to 5:00 PM PT Mon-Fri EFFECT OF THE SHEME s SALE - You should realize that a Sheriffs Sale would 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 be able to sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided Lhat all the outstanding oavments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT (HOWEVER YOU DO NOT HAVE THE RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDER 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. Sincerely, Counseling Department P.O. Box 5914 Santa Rosa, CA 95402-5914 Phone: (800) 696-8199 Fax: (707) 568-2737 8:00 AM to 5:00 PM PT Mon-Fri Enclosure(s) List of Counseling Agencies 4 HEMAP Consumer Credit Counseling Agencies Cumberland County Adams County Interfaith Housing CCCS of Western PA Community Action Commission of Authority 2000 Lingiestown Road Captlal Region 40 E High Street Harrisburg, PA 17102 1514 Deny Street Gettysburg, PA 17325 (888) 511-2227 Harrisburg, PA 17104 (717) 334-1518 Fax: (888) 511-2227 (717) 232-9757 Loveshlp, Inc, Maranathe PHFA 2320 North 5th Street 43 Philadelphia Avenue 211 North Front Street Harrisburg, PA 17110 Waynesboro, PA 17268 Harrisburg, PA 17110 (717) 232-2207 (717) 762-3285 F17) 780-3940 (800) 342-2397 VERIFICATION The undersigned hereby states that he/she is P V of Provident Funding Associates, L.P., servicing agent for Plaintiff, Provident Funding Associates, L.P., in this matter, that he/she is authorized to take this Verification, and that the statements made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his/her knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. Name wen s' viS DATE: Title: P Company: Provident Funding Associates, L.P. S&D File #10-039012 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff i"t_i:i e, 17 Jody S Smithy Chief Deputy ! FEB _ 8 A G: r Richard W Stewart Solicitor ' U IM " t f r. 0EIN Provident Funding Associates, LP vs. Marva R. Purvis (et al.) Case Number 2011-68'1 SHERIFF'S RETURN OF SERVICE 01/24/2011 Ronny R. Anderson, Sheriff who being duly sworn according to law states that he made a diligent search and inquiry for the within named defendant, to wit: Marva R. Purvis, but was unable to locate her in his bailiwick. He therefore deputized the Sheriff of Franklin County, Pennsylvania to serve the within Complaint In Mortgage Foreclosure according to law. 01/24/2011 Ronny R. Anderson, Sheriff who being duly sworn according to law states that he made a diligent search and inquiry for the within named defendant, to wit: Donald L. Purvis, but was unable to locate him in his bailiwick. He therefore deputized the Sheriff of Franklin County, Pennsylvania to serve the within Complaint In Mortgage Foreclosure according to law. 01/25/2011 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Donald L. Purvis, but was unable to locate him in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure as not found as to the defendant Donald L. Purvis. Request for service at 219 S. Penn Street, Shippensburg, Pennsylvania 17257 is vacant. 01/25/2011 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Occupant of 219 S. Penn Street, Shippensburg, Pennsylvania 17257, but was unable to locate them in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure as not found as to the defendant Occupant. Request for service at 219 S. Penn Street, Shippensburg, Pennsylvania 17257 is vacant. 01/25/2011 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Marva R. Purvis, but was unable to locate her in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure as not found as to the defendant Marva R. Purvis. Request for service at 219 S. Penn Street, Shippensburg, Pennsylvania 17257 is vacant. 01/28/2011 02:55 PM - Franklin County Return: And now January 28, 2011 at 1455 hours I, Dane Anthony, Sheriff of Franklin County, Pennsylvania, do herby certify and return that I served a true copy of the within Complaint", in Mortgage Foreclosure, upon the within named defendant, to wit: Marva R. Purvis by making known unto Roger Purvis, Foster Son of defendant at 2280 Country Road, Chambersburg, Pennsylvania 17201 its contents and at the same time handing to him personally the said true and correct copy of the same. 01/28/2011 02:55 PM - Franklin County Return: And now January 28, 2011 at 1455 hours 1, Dane Anthony, Sheriff of Franklin County, Pennsylvania, do herby certify and return that I served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Donald L. Purvis by making known unto Roger Purvis, Foster Son of defendant at 2280 Country Road, Charribersburg, Pennsylvania 17201 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $134.00 February 04, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-039012 Provident Funding Associates, L.P. PLAINTIFF VS. Marva R. Purvis DEFENDANT r !? tea; s3 Rl.i?l O COO COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:2011-681 PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES Enter Judgment IN REM in the amount of $92,867.68 in favor of the Plaintiff and against the Defendant, for failure to file an answer to Plaintiffs Complaint in Mortgage Foreclosure within 20 days from service thereof and assess Plaintiffs damages as follows and calculated as stated in the Complaint: Principal of Mortgage Debt Due and Unpaid Interest through March 1, 2011 $85,536.72 $2,673.00 Late Charges Corporate Advance Title Search Fees Attorney Fees & Costs of Foreclosure BY: $107.12 $24.00 $250.00 $4,276.84 $92,867.68 Christopher A. DeNardo, Esquire Attorney for Plaintiff AND NOW, judgment is entered in favor of the Plaintiff and against the Defendant and damages are assessed as above in the sum of $92,867.68. 10-039012 J> 'P 'bad Pro. Prothy. ?i 0Lv,,t+ s%U.o6 ed a*? at oleo b°?? ?A?.?,-.a Mn? l?l SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-039012 Provident Funding Associates, L.P 1235 N. Dutton Avenue Suite E Santa Rosa, CA 95401 PLAINTIFF VS. Marva R. Purvis COURT OF COMMON PLEAS CUMBERLAND COUNTY 2011-681 DEFENDANT(S) STATE OF: Pennsylvania COUNTY OF: Montgomery AFFIDAVIT OF NON-MILITARY SERVICE THE UNDERSIGNED being duly sworn, states that he/she is over the age of eighteen years and competent to make this affidavit and the following averments are based upon information contained in the records of the Plaintiff or servicing agent of the Plaintiff and that the above captioned Defendants last known address is as set forth in the caption and they are not to the best of our knowledge, information or belief, in the Military or Naval Service of the United States of America or its Allies as defined in the Soldiers and Sailors Civil Relief Act of 1940, as amended. SHAPIRO & DENARDO, LLC By: Christopher A. DeNardo, Esquire Sworn to and subscribed before me this Zi <t- day of KA,-),r C-- ,2011. No y ublic COIM vM A Jmrft M, $1 u ??? cwn?rw to ' r 014 Member. wnla 4 r4s Oct 19 dndon Of IYOWes SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I. D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-039012 Provident Funding Associates, L.P PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY VS. Marva R. Purvis and Donald L. Purvis DEFENDANTS NO: 2011-681 CERTIFICATION OF MAILING NOTICE UNDER RULE 237.1 The undersigned hereby certifies that a Written Notice of Intention to File a Praecipe for the Entry of Default Judgment was mailed to the defendant (s) and to his, her, their attorney of record, if any, after the default occurred and at least (10) days prior to the date of the filing of the Praecipe. Said Notice was sent on the date set forth in the copy of said Notice attached hereto, February 18, 2011 to the following Defendants: Marva R. Purvis, 2280 Country Road, Chambersburg, PA 17201 Donald L. Purvis, 2280 Country Road, Chambersburg, PA 17201 ?. (Q) ol?? -c 0-4 Tiffany Donnell, Legal Assistant to Christopher A. DeNardo, Esquire for Shapiro & DeNardo, LLC SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I. D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-039012 Provident Funding Associates, L.P. PLAINTIFF ; VS. Marva R. Purvis and Donald L. Purvis DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 2011-681 NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. 237.1 IMPORTANT NOTICE TO: Marva R. Purvis DATE OF NOTICE: February 18, 2011 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEM T1NG TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTIFICACION IMPORTANTE Usted se encuentra en estado de rebeldia por no hater tornado la action requirida de su parte en este caso. Al no tomar la action debida dentro de un termino de diet (10) dias de la fecha de esta notificacion, el `tribuna podra, sin necesidad de compararecer usted in torte o escuchar preuba alguna, dictar sentenea en su contra. Usted puede perder bienes y otros derechos importantes. Debe llevar esta notification a un abogado immediatamente. Si usted no tiene abogado o si no tiene dinero suficiente pars tal servicio, vaya en persona o flame por telcfono a la oficina cuya direction se encuentra escrita abajo Para averiguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle; PA 17013 717-249-31-66 PURSUANT TO THE FAIR DEIST COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Marva R. Purvis, 2280 Country Road, Chambersburg, PA 17201 Donald L. Purvis, 2280 Country Road, Chambersburg, PA 17201 Christopher A. DeNardo, Esquire Shapiro & DeNardo, LLC Attorney for Plaintiff SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-039012 Provident Funding Associates, L.P PLAINTIFF VS. Marva R. Purvis DEFENDANT COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:2011-681 CERTIFICATE OF SERVICE I, Christopher A. DeNardo, Esquire, Attorney for the Plaintiff, hereby certify that I have served by first class mail, postage prepaid, true and correct copies of the attached papers upon the following person(s) or their attorney of record: Marva R. Purvis, 2280 Country Road, Chambersburg, PA 17201 Date Mailed: 2)-()0\ SHAPIRO & DeNARDO, LLC BY: G?_ Christopher A. DeNardo, Esquire Attorney for Plaintiff SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-039012 Provident Funding Associates, L.P. PLAINTIFF VS. Marva R. Purvis DEFENDANT COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUN'T'Y NO:2011-681 CERTIFICATION OF ADDRESS I hereby certify that the correct address of the judgment creditor (Plaintiff) is: Provident Funding Associates, L.P. 1235 N. Dutton Avenue, Suite E Santa Rosa, CA 95401 and that the last known address of the judgment debtor (Defendant) is: Marva R. Purvis 2280 Country Road Chambersburg, PA 17201 SHAPIRO & DeNARDO, LLC BY: Christopher A. DeNardo, Esquire Attorney for Plaintiff 10-039012 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NOII-681 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due PROVIDENT FUNDING ASSOCIATES L.P. Plaintiff (s) From MARVA R. PURVIS (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 $92,867.68 L.L. $.50 Interest March 2, 2011 to September 7, 2011 is - $3,021.38 Atty's Comm % Due Prothy $2.00 Atty Paid $266.50 Other Costs Plaintiff Paid Date: 03/22/2011 :David D. Bu 1, Prothonot (Seal) _ Deputy REOUE STING PARTY: Name: CHRISTOPHER A. DENARDO, ESQUIRE Address: SHAPIRO & DENARDO, LLC 13600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 Supreme Court ID No. 78447 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION Caption: () Confessed Judgment () Other Provident Funding Associates, L.P. File No. - PLAINTIFF Amount Due $92,867.68 Interest March 2, 2011 to September 2011 is $3,021.38 cry vs. Atty's Comm -a--" - - Costs= :?a -0}_. ? Gn ? N Marva R. Purvis G DEFENDANT(S) a) TO THE PROTHONOTARY OF THE SAID COURT: =°? , asp-, The undersigned hereby certifies that the below does not arise out of a retail installment?sA contract or , , account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon the following described property of the defendant(s) See attached Legal Description PRAECIPE FOR ATTACHEMENT EXECUTION Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) ana aii oiner property of the defendant(s) in the possession, custody or control of the said garnishee(s). (Indicate) Index this writ against the garnishee(s) as a lis pendens against real estate of the defendant(s) described in the attached exhibit. Date: dray. ao ?d a 13q.oo C8F a 9. oo 1q. po a. so anti. s0 ?a Q"I Signature: - Print Name: Christopher A. DeNardo Esquire Address: 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 Attorney for: Plaintiff Supreme Court ID # PA Bar # 78447 ia. SOLl- Ck4L- 3589od tk rl? hF 12-4- PA ALL that certain lot of ground with the dwelling house known as 219 South Penn Street, situate in the Borough of Shippensburg, Cumberland County, Commonwealth of Pennsylvania, bounded and described as follows: ON the West by South Penn Street; on the North by property formerly of the William E. Shapley Estate, being now or formerly of Zelda Hamilton; on the East by property formerly of John Barnett separated from it by a narrow alley and property now or formerly of Samuel W. Harper; and on the South by the right-of-way of the Reading Company; with a private driveway for vehicles and other conveyances, from Penn Street, through the property of Samuel W. Harper and John Barnett to a public alley, which parallels Penn Street, which private driveway is for the use of the owner of the herein described real estate and the Harper property and the Barnet property aforementioned, and other desiring to use the same. PARCEL No. 33-34-2415-172 BEING the same premises which Howard A. Wright, Jr., Administrator of the Estate of Howard A. Wright, Sr., deceased, by Deed dated September 16, 1976 and recorded in the Cumberland County Recorder of Deeds Office on September 16, 1976 in Deed Book X26 page 384, granted and conveyed unto Donald L. Purvis and Marva R. Purvis. Included in the above description, but expressly excluded from this mortgage is a certain parcel of real estate conveyed from Donald L. Purvis and Marva R. Purvis, his wife to the Borough of Shippensburg, dated February 18, 1982 and recorded February 23, 1982 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania in Deed Book R, Volume 29, Page 986. AND THE SAID Donald L. Purvis departed this life on or about 09/11/2010, thereby vesting title solely in his wife, Marva R. Purvis. SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-039012 Provident Funding Associates, L.P. PLAINTIFF VS. Marva R. Purvis DEFENDANT t-4-%Y r' i5.E no lVAR22 Ali 10.2; ?,?1 BEr2LA?1D COUNT`S ?E???dSYLVANlA COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 2011-681 AFFIDAVIT PURSUANT TO RULE 3129.1 Provident Funding Associates, L.P., Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 219 South Penn Street, Shippensburg, PA 17257. 2. 3. 4. Name and address of Owner(s) or Reputed Owner(s) Marva R. Purvis 2280 Country Road Chambersburg, PA 17201 Name and address of Defendant in the judgment: Marva R. Purvis 2280 Country Road Chambersburg, PA 17201 Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Provident Funding Associates, L.P. 1235 N. Dutton Avenue, Suite E Santa Rosa, CA 95401 Name and address of the last recorded holder of every mortgage of record: Provident Funding Associates, L.P., Plaintiff 1235 N. Dutton Avenue, Suite E Santa Rosa, CA 95401 5. Name and address of every other person who has any record lien on the property: Internal Revenue Service WM S. Moorehead Federal Bldg. Advisory 1000 Liberty Avenue, Room 704 Pittsburgh, PA 15222 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: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 219 South Penn Street Shippensburg, PA 17257 Commonwealth of Pennsylvania Department of Revenue Inheritance Tax Division 1131 Strawberry Square, 6th Floor Harrisburg, PA 17128 Department of Public Welfare Estate Recovery Program, P.O. Box 8486 Willow Oak bldg, Harrisburg, PA 17105-8486 Department of Treasury Internal Revenue service Center Cincinnati, OH 45999 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. SHAPIRO & DeNARDO, LLC BY: Christopher A. DeNardo, Esquire 10-039012 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-039012 Provident Funding Associates, L.P PLAINTIFF VS. Marva R. Purvis DEFENDANT r! tDTT7JS=i?gT ?i0N0 1Ar'; d e, I 11,13ERLA D COO 1'` PENNSYLVAN11\ COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 2011-681 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Marva R. Purvis 2280 Country Road Chambersburg, PA 17201 Your house (real estate) at: 219 South Penn Street, Shippensburg, PA 17257 33-34-2415-172 is scheduled to be sold at Sheriffs Sale on September 7, 2011 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:OOAM to enforce the court judgment of $92,867.68 obtained by Provident Funding Associates, L.P. against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to Provident Funding Associates, L.P. the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610)278-6800. 2. You 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 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 on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610)278-6800. 6. You 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. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 9. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 10. You 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 no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 10-039012 ALL that certain lot of ground with the dwelling house known as 219 South Penn Street, situate in the Borough of Shippensburg, Cumberland County, Commonwealth of Pennsylvania, bounded and described as follows: ON the West by South Penn Street; on the North by property formerly of the William E. Shapiey Estate, being now or formerly of Zelda Hamilton; on the East by property formerly of John Barnett separated from it by a narrow alley and property now or formerly of Samuel W. Harper; and on the South by the right-of-way of the Reading Company; with a private driveway for vehicles and other conveyances, from Penn Street, through the property of Samuel W. Harper and John Barnett to a public alley, which parallels Penn Street, which private driveway is for the use of the owner of the herein described real estate and the Harper property and the Barnet property aforementioned, and other desiring to use the same. PARCEL No. 33-34-2415-172 BEING the same premises which Howard A. Wright, Jr., Administrator of the Estate of Howard A. Wright, Sr., deceased, by Deed dated September 16, 1976 and recorded in the Cumberland County Recorder of Deeds Office on September 16, 1976 in Deed Book X26 page 384, graw-d and conveyed unto Donald L. Purvis and Marva R. Purvis. Included in the above description, but expressly excluded from this mortgage is a certain parcel of real estate conveyed from Donald L. Purvis and Marva R. Purvis, his wife to the Borough of Shippensburg, dated February 18, 1982 and recorded February 23, 1982 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania in Deed Book R, Volume 29, Page 986. AND THE SAID Donald L. Purvis departed this life on or about 09/11/2010, thereby vesting title solely in his wife, Marva R. Purvis. cll- A SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-039012 Provident Funding Associates, L.P. PLAINTIFF VS. Marva R. Purvis DEFENDANT ,0:., 'we COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:2011-681 CERTIFICATION AS TO THE SALE OF REAL PROPERTY I hereby certify that I am the Attorney of record for the Plaintiff in this Action against Real Property and further certify this Property is: FHA - Tenant Occupied or Vacant Commercial As a result of a Complaint in Assumpsit That the Plaintiff has complied in all respects with Section 403 of the Mortgage X Assistance Act including but not limited to: (a) Service of notice on Defendant (b) Expiration of 30 days since the service of notice (c) Defendant failure to request or appear at meeting with Mortgagee or Consumer Credit Counseling Agency (d) Defendant failure to file application with Homeowners Emergency Assistance Program. I further agree to indemnify and hold harmless the Sheriff of Cumberland County for any false statement given herein. SHAPIRO & DeNARDO, LLC BY: Christopher A. DeNardo, Esquire PA Bar # 78447 5 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-039012 Provident Funding Associates, L.P PLAINTIFF VS. Marva R. Purvis DEFENDANT C.) C rya r-' -r, MM ?• ? x m Se? COURT OF COMMON PLI i N ? ° r cs CIVIL DIVISION CUMBERLAND COUNTY. d ' :;;C: NO: 2011-681 ORDER AND NOW, this day of d , A , upon consideration of Plaintiffs Motion for Service Pursuant to Court Order, Affidavit of Good Faith Investigation and Memorandum of Law is support thereof, and any response thereto, it is hereby ORDERED AND DECREED that Plaintiff may serve the Notice of Sale on Defendant, Marva R. Purvis, by (1) sending true and correct copies thereof by simultaneous certified and regular mail to the last known address located at 2280 Country Road, Chambersburg, PA 17201; and (2) posting a true and correct copy thereof on the mortgaged property located at 219 South Penn Street, Shippensburg, PA 17257 by the Sheriff or any competent adult. Service of the aforementioned mailings is effective upon the date of mailing and is to be effectuated by Plaintiffs attorney, who will file with the Prothonotary's Office a Certificate of Service as to such mailings N6s4opher A. De",4 ro4- N Aa? LLC BY THE COURT: J. ?oq - R SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-039012 Provident Funding Associates, L.P. PLAINTIFF VS. Marva R. Purvis DEFENDANT i i AUG -? Ali 9: 31 U MBEr:I.A kD g: WNt'T` E5YL4Ii'r COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:2011-681 CERTIFICATION OF NOTICE TO LIENHOLDERS PURSUANT TO PA R.C.P 3129.2 (C) (2) I, Meghan Williams, Legal Assistant for Shapiro & DeNardo, LLC, attorneys for the Plaintiff, Provident Funding Associates, L.P., hereby certify that Notice of Sale was served on all persons appearing on Exhibit "A" attached hereto, by United States mail, first class, postage prepaid, with Certificates of Mailing on August 5, 2011, the originals of which are attached and that each of said persons appears on Plaintiffs Affidavit pursuant to Pa. R.C.P. 3129.1. The undersigned understands that the statements herein are subject to the penalties provided by 18 P.S. Section 4904. Respectfully submitted, SHAPIRO & DeNARDO, LLC BY: Meghan Williams Legal Assistant 10-039012 I V) 0 Z a A w d U7 r f } c? cc U. 0 CaD o: LL -- CD x? U- BuilpuiO I4 uiaad N'2 J CD a) LL oi uijuoD anluu2is •x uOTIUUUi O fa3Ai a t, ? o D O w d ? Q d O O 4 d ? t y y !6 c ? 0) N ? G V ' N Q 03 V Id Q w •L CL rn C ? s y N C C L z ?6 U 12 CO 0 ? Em I -Qi i° E a toCo"- ° ? a?{ d . U- a=?58ao m o m o c ri ° U a a N ? u> > o p E °U 0 a? ?? Q >° >? a in m ° Ca E 011110 co . C1 i a m 4i .0 .2 m , V O E ^? `? E O u on v? ao . _ n o 0 0 w c= O V N rz 4? C', 7 0 0 ._ C O b O d N ¢ ¢ y41+ p> y r d N 0. O1 N E w d dN d ? a. rr., x x 00 r'? U° o Z? t 0 r.0 "3 `aa ? d ° 60-6 x o a O? ° F' r y o °' x °? v ` w U U r? , c co 1 (D El 1111 El 11 o? ? ?Z' € 000 y Viz.= m t x a2- 4 - co O U?U f?`Ur oo CN 'er CONS FN3 a j N ? a0 0 0 m _ ° E ? z ? y F O z O p o? Q Q E zo ow a o 00 c 0 ? o?'?oa m x? o o v) E o o a> a v op p pp Z Vn M un .`G N M Ln 06 H J c d a w c 0 CL W C13 .d a d 4 4?. N O O N 07 a U- LL oo M LL U) a IN THE COURT OF COMMON PLEAS 39T" JUDICIAL DISTRICT CUMBERLAND COUNTY BRANCH, PENNSYLVANIA Provident Funding Assoc. LP : Civil Division vs. No. 2011-681 ..V rn Marva R. Purvis Donald L. Purvis (deceased) • ? c-3 SUGGESTION OF BANKRUPTCY „r To, Prothonotary f-.3 C:_:3 ::J v, -a CZ)? Please note upon the record that Marva R. Purvis, the defendant in the above- captioned action, filed a Voluntary Petition in Bankruptcy with the United States Bankruptcy Court for the Middle District of Pennsylvania at Harrisburg, PA, on 08/17/20141, at 3:56 o'clock P.M., which petition was docketed to 1-1 1-bk-05734-RNO. PURSUANT TO THE PROVISIONS OF 11 U.S.C. §362(A), AN AUTOMATIC STAY IS IN EFFECT FOR ALL PROCEEDINGS INVOLVING THE ABOVE-NAMED DEFENDANT. CERTIFICATE OF SERVICE I, Richard L. Bushman, Esquire, attorney for the above captioned defendant in the bankruptcy proceeding before the United States Bankruptcy Court for the Middle District of Pennsylvania, do hereby certify that on the date set forth below I served the within "Suggestion of Bankruptcy" by depositing a copy of the same in the United States Mail, postage prepaid, at Spring Run, Pennsylvania, addressed to the parties or attorney's of record as follows: Provident Funding Associates LP 1235 N. Dutton Ave, Ste E PO Box 5914 Santa Rosa, CA 95401 Date: August 24, 2011 Shapiro & DeNardo LLC Christopher DeNardo, Esquire 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 Mortgage Electronic Registration 1235 N Dutton Ave STE E PO Box 5914 Santa Rosa, CA 95401 Ric sh%%rf Esqui 16 at alley R/05- P.O. Box 51 Spring Run, PA 1726: [7171349-7657 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-039012 Provident Funding Associates, L.P. PLAINTIFF VS. ' Marva R. Purvis , DEFENDANT 74 A V3 3t7 Al 10:, eouNr}?. !3jE JIRdSYND ANIA COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 2011-681 SUGGESTION OF BANKRUPTCY TO THE PROTHONOTARY: It is hereby suggested of record that Marva R. Purvis Defendant in the above captioned case has filed Bankruptcy under Chapter BK 13, under Docket No. 11-05734 on August 17, 2011, in the Middle District of Pennsylvania and the above captioned Action in Mortgage Foreclosure is accordingly stayed during the pendency of the Bankruptcy. BY: ?-? Christopher A. DeNardo, Esquire Attorney for Plaintiff SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff COOT of C111tibpr""14 OfFiCE of T,?c 5t*ERIFF FILEO-OFFICE U T' E PROTHONOi'A? 2 11 WG 30 AM 8.34 curia ?R?sY a ?? ? j`? FE Jody S Smith Chief Deputy Richard W Stewart Solicitor Provident Funding Associates, LP VS. Marva R. Purvis (et al.) Case Number 2011-681 SHERIFF'S RETURN OF SERVICE 05/17/2011 Order of Court to serve Defendant by posting premises dated 5/2/11 received on 5/17/11. cab 06/23/2011 05:44 PM - Deputy Tim Black, 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 219 South Penn Street, Shippensburg, PA 17257, Cumberland County. 06/23/2011 05:44 PM - Deputy Tim Black, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, upon the within named Defendant, to wit: Marva R. Purvis, pursuant to Order of Court by "Posting" the premises located at 219 S. Penn Street, Shippensburg Borough, Shippensburg, PA 17257, Cumberland County with a true and correct copy according to law. 06/28/2011 Timothy Black, Deputy Sheriff, 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 219 S. Penn Street, Shippensburg, Cumberland County. 08/26/2011 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: $797.75 SO ANSWERS, August 26, 2011 RON R ANDERSON, SHERIFF ©u Pkco (c) CountySulte Sheriff. Teleosoft, Inc. /10161 -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 14t patriot News Now you know THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Holly Blain, being duly sworn according to law, deposes and says: That she is a Staff Accountant of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 2020 Technology Pkwy, Suite 300, in the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Community Weekly editions which appeared on the date(s) indicated below. That neither she nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION COPY This ad ran on the date(s) shown below: 07/15/11 ... qACW_U_- .1 a-a V_V.1 ...... Sworn to and,46bscribed-15efore me Public 2011 A. D. COMMONWEALTH OF PENNSYLVANIA E Notarial Seal Sherrle L. Klsner, Notary Public Lower Paxton 7Wp., Dauphin County my Commission Expires Nov. 26, 2011 Member, Pennsylvania Association cif Notaries 07/22/11 07/29/11 2011-q1 CIA Tom provident Flaahlp AssoWds, LP vs Marva R. pawls Atty: ChrtstophsrA. DeNardo ALL that certain lot of ground with the dwelling house known as 219 South Penn Street, situate in the Borough of Shippensburg, Cumberland County, Commonwealth of Pennsylvania, bounded and described as follows: ,r ON the West by South Penn Street; on the North by property formerly of the William E. Shapley Estate, being now or formerly of Zelda Hamilton; on the East by property formerly of John Barnett separated from it by a narrow alley and property now or formerly of Samuel)k. Harper, and on the South by the right-of-way of the Reading Comf iauy-, with a private driveway for vehicles and other conveyances, from Penn Street, through the property of Samuel W. Harper and John Barnett to a public alley, which parallels Penn Street, wtfrch private driveway is for the use of the owner - - of the herein described real estate and the Harper property and the Barnet property aforementioned, and other desiring to use the same. PARCEL No, 33-342415-172 BEING the same premises which Howard A. Wright, Jr., Administrator of the Estate of Howard A. Wright, Sr., deceased, by Deed dated September 16, 1976 and recorded in the Cumberland County Recorder of Deeds Office on September 16,1976 in Deed Book X26 page 384, granted . and conveyed unto Donald L. Purvis and Marva R. Purvis. Included in the above description, but expressly excluded from this mortgage is a certain parcel of real estate conveyed from Donald L Purvis and Marva R. Purvis, his wife to the Borough of Shippensburg, dated February 18, 1982 and recorded February 23, 1982 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania in Deed Book R, Volume 29, Page 986. AND THE SAID Donald L Purvis departed this life on or about 09111(2010, thereby vesting title solely in his wife, Marva R. Purvis. CUMBERLAND LAW JOURNAL Writ No. 2011-681 Civil Provident Funding Associates, LP vs. Marva R. Purvis Atty.: Christopher A. DeNardo ALL that certain lot of ground with the dwelling house known as 219 South Penn Street, situate in the Bor- ough of Shippensburg, Cumberland County, Commonwealth of Pennsyl- vania, bounded and described as follows: ON the West by South Penn Street; on the North by property formerly of the William E. Shapley Estate, being now or formerly of Zelda Hamilton; on the East by property formerly of John Barnett separated from it by a narrow alley and property now or formerly of Samuel W. Harper; and on the South by the right-of-way of the Reading Company; with a private driveway for vehicles and other conveyances, from Penn Street, through the property of Samuel W. Harper and John Barnett to a public alley, which parallels Penn Street, which private driveway is for the use of the owner of the herein described real estate and the Harper property and the Barnet property aforementioned, and other desiring to use the same. PARCEL No, 33-34-2415-172. BEING the same premises which Howard A. Wright, Jr., Administrator of the Estate of Howard A. Wright, Sr., deceased, by Deed dated Sep- tember 16, 1976 and recorded in the Cumberland County Recorder of Deeds Office on September 16, 1976 in Deed Book X26 page 384, granted and conveyed unto Donald L. Purvis and Marva R. Purvis. Included in the above description, but expressly excluded from this mortgage is a certain parcel of real estate conveyed from Donald L. Purvis and Marva R. Purvis, his wife to the Borough of Shippensburg, dated February 18, 1982 and recorded February 23, 1982 in the Office of the Recorder of Deeds of Cumberland County, Penn- sylvania in Deed Book R, Volume 29, Page 986. AND THE SAID Donald L. Purvis departed this life on or about 09/11/2010, thereby vesting title solely in his wife, Marva R. Purvis. 53 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA ss. COUNTY OF CUMBERLAND : Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: July 15, July 22 and July 29, 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. 7)-?,A h- r--0", isa Marie Coyn Editor SWORN TO AND SUBSCRIBED before me this =of 011 Notary NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BOROUGH, CUMBERLAND COUNTY My Commission Expires Apr 28, 2014 r On May 11, 2011 the Sheriff levied upon the defendant's interest in the real property situated in Shippensburg Borough, Cumberland County, PA, Known and numbered as, 219 South Penn Street, Shippensburg, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: May 11, 2011 By: Real Estate Coordinator f? r .r i' v r V WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) N011-681 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due PROVIDENT FUNDING ASSOCIATES, L.P. Plaintiff (s) From MARVA R. PURVIS (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: $92,867.68 L.L.: Interest MARCH 23, 2011 TO JUNE 6, 2012 IS $7,027.80 Atty's Comm: % Due Prothy: $2.00 Atty Paid: $1,448.34 Other Costs: Plaintiff Paid: Date: DECEMBER 12, 2011 ' David D. Buell, Prothonot (Seal) By: Deputy REQUESTING PARTY: Name: CHRISTOPHER A. DENARDO, ESQUIRE Address: SHAPIRO & DENARDO, LLC 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 Supreme Court ID No. 78447 1Y_ s4 V? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY"tY.LIIA CIVIL DIVISION P = ? PRAECIPE FOR WRIT OF EXECUTION Caption: O Confessed Judgment () Other n '' Provident Funding Associates, L.P. File No. +- (pool 4I - PLAINTIFF ; Amount Due $92,867.68 vs. Interest March 23, 2011 to June 6, 2012 is $7,027.80 Atty's Comm Costs Marva R. Purvis DEFENDANT(S) TO THE PROTHONOTARY OF THE SAID COURT: The undersigned hereby certifies that the below does not arise out of a retail installment safe, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon the following described property of the defendant(s) See attached Legal Description PRAECIPE FOR ATTACHEMENT EXECUTION Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s). (Indicate) Index this writ against the garnishee(s) as a lis pendens against real estate of the defendant(s) described in the attached exhibit. Date: ?J-'7-ID Signature: e2l_?_'t- Print Name: Christopher A. DeNardo, Esquire ?g Address: 3600 Horizon Drive, Suite 150 A?i.OZ? King of Prussia, PA 19406 3 y Attorney for: Plaintiff ' ] ? Supreme Court ID # PA Bar # 78447 14. pp a ti D? 1c) 5.77S ALL that certain lot of ground with the dwelling house known as 219 South Penn Street, situate in the Borough of Shippensburg, Cumberland County, Commonwealth of Pennsylvania, bounded and described as follows: ON the West by South Penn Street; on the North by property formerly of the William E. Shapley Estate, being now or formerly of Zelda Hamilton; on the East by property formerly of John Barnett separated from it by a narrow alley and property now or formerly of Samuel W. Harper; and on the South by the right-of-way of the Reading Company; with a private driveway for vehicles and other conveyances, from Penn Street, through the property of Samuel W. Harper and John Barnett to a public alley, which parallels Penn Street, which private driveway is for the use of the owner of the herein described real estate and the Harper property and the Barnet property aforementioned, and other desiring to use the same. PARCEL No. 33-34-2415-172 BEING the same premises which Howard A. Wright, Jr., Administrator of the Estate of Howard A. Wright, Sr., deceased, by Deed dated September 16, 1976 and recorded in the Cumberland County Recorder of Deeds Office on December 20, 2010 in Deed Book X26 page 384, granted and conveyed unto Donald L. Purvis and Marva R. Purvis. Included in the above description, but expressly excluded from this mortgage is a certain parcel of real estate conveyed from Donald L. Purvis and Marva R. Purvis, his wife to the Borough of Shippensburg, dated February 18, 1982 and recorded February 23, 1982 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania in Deed Book R, Volume 29, Page 986. AND THE SAID Donald L. Purvis departed this life on or about 09/11/2010, thereby vesting title solely in his wife, Marva R. Purvis. SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-039012 Provident Funding Associates, L.P. PLAINTIFF VS. Marva R. Purvis DEFENDANT 10110 A ' 710111 DEC 12 i. J 11: v IJ ` BERLAND COUNT`( F ENNISYLVANIA COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 2011-681 AFFIDAVIT PURSUANT TO RULE 3129.1 Provident Funding Associates, L.P., Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 219 South Penn Street, Shippensburg, PA 17257. Name and address of Owner(s) or Reputed Owner(s) Marva R. Purvis 2280 Country Road Chambersburg, PA 17201 2. Name and address of Defendant in the judgment: Marva R. Purvis 2280 Country Road Chambersburg, PA 17201 Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Provident Funding Associates, L.P. 1235 N. Dutton Avenue, Suite E Santa Rosa, CA 95401 4. Name and address of the last recorded holder of every mortgage of record: Provident Funding Associates, L.P., Plaintiff 1235 N. Dutton Avenue, Suite E Santa Rosa, CA 95401 5. Name and address of every other person who has any record lien on the property: Internal Revenue Service WM S. Moorehead Federal Bldg. Advisory 1000 Liberty Avenue, Room 704 Pittsburgh, PA 15222 PA Department of Revenue Bureau of Compliance P.O. Box 281230 Harrisburg, PA 17128-1230 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: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 219 South Penn Street Shippensburg, PA 17257 Commonwealth of Pennsylvania Department of Revenue Inheritance Tax Division 1131 Strawberry Square, 6th Floor Harrisburg, PA 17128 Department of Public Welfare Estate Recovery Program, P.O. Box 8486 Willow Oak bldg, Harrisburg, PA 17105-8486 Department of Treasury Internal Revenue service Center Cincinnati, OH 45999 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. SHAPIRO & DeNARDO, LLC BY: ??? Christopher A. DeNardo, Esquire 10-039012 t i °.? t t 1 a? ?. SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-039012 Provident Funding Associates, L.P. PLAINTIFF VS. Marva R. Purvis DEFENDANT 411 12 x`311: ' C0UNT'1 .fS s.? llL1`"i.IV Mi S`7 LVANi A COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 2011-681 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Marva R. Purvis 219 South Penn Street Shippensburg, PA 17257 Your house (real estate) at: 219 South Penn Street, Shippensburg, PA 17257 33-34-2415-172 is scheduled to be sold at Sheriffs Sale on June 6, 2012 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:OOAM to enforce the court judgment of $92,867.68 obtained by Provident Funding Associates, L.P. against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to Provident Funding Associates, L.P. the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610)278-6800. 2. You 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 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 on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610)278-6800. 6. You 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. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 9. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 10. You 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 no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 10-039012 ALL that certain lot of ground with the dwelling house known as 219 South Penn Street, situate in the Borough of Shippensburg, Cumberland County, Commonwealth of Pennsylvania, bounded and described as follows: ON the West by South Penn Street; on the North by property formerly of the William E. Shapley Estate, being now or formerly of Zelda Hamilton; on the East by property formerly of John Barnett separated from it by a narrow alley and property now or formerly of Samuel W. Harper; and on the South by the right-of-way of the Reading Company; with a private driveway for vehicles and other conveyances, from Penn Street, through the property of Samuel W. Harper and John Barnett to a public alley, which parallels Penn Street, which private driveway is for the use of the owner of the herein described real estate and the Harper property and the Barnet property aforementioned, and other desiring to use the same. PARCEL No. 33-34-2415-172 BEING the same premises which Howard A. Wright, Jr., Administrator of the Estate of Howard A. Wright, Sr., deceased, by Deed dated September 16, 1976 and recorded in the Cumberland County Recorder of Deeds Office on December 20, 2010 in Deed Book X26 page 384, granted and conveyed unto Donald L. Purvis and Marva R. Purvis. Included in the above description, but expressly excluded from this mortgage is a certain parcel of real estate conveyed from Donald L. Purvis and Marva R. Purvis, his wife to the Borough of Shippensburg, dated February 18, 1982 and recorded February 23, 1982 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania in Deed Book R, Volume 29, Page 986. AND THE SAID Donald L. Purvis departed this life on or about 09/11/2010, thereby vesting title solely in his wife, Marva R. Purvis. SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-039012 Provident Funding Associates, L.P. PLAINTIFF ; VS. Marva R. Purvis DEFENDANT • :?i:?-iJ i?l.Vi?il?I n COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:2011-681 VERIFICATION OF SERVICE BY CERTIFIED MAIL AND REGULAR MAIL PURSUANT TO COURT ORDER The undersigned hereby verifies that she is a legal assistant for Plaintiff in the above case and that pursuant to the attached Court Order she has mailed a true and correct copy of the Notice of Sale in the above-captioned case to Defendant by certified and regular mail. to the last known address of said Defendant as follows: Marva R. Purvis, 2280 Country Road, Chambersburg, PA 17201 on May 11, 2011 as evidenced by the receipts of mailing attached hereto and made a part hereof. I verify that the statements made herein are true and correct and I understand that false statements made herein are subject to the penalties set forth in 18 Pa. C.S. Section 4904, relating to unsworn falsification to authorities. DATED: 5"i-A -( a SHAPIRO & DeNARDO, LLC BY: " ` w Meghan Williams Legal Assistant 10-039012 SIIAPIRO & DeNARDO, LLC BY- Ct1RISTOPHER A. DeNARD0. I S{?L1IRI:' ATTORNEY I.D. NO: PA Bar # 78447 3600 I-IORIZON DRIVE, SUIT F 150 KING OI= PRUSSIA. PA 19=106 TELEPIIONE: (610)2713-6800 S & D FILE NO. 10-039012 Provident Funding Associates. L.P. PLAINTIFF VS. ,%darva R. Purvis DEFENDANT COURT OF COMMON PLEAS CIVIL, DIVISION CUMBERLAND COUNTY NO: 2011-681 ORDI R aot! AND NOW, this ? day of _ ? upon consideration of Plaintiffs Motion for Service Pursuant to Court Order, Affidavit oi'Good Faith Investigation and Memorandum of Law is support thereof, and any response thereto, it is hereby ORDI-:R1 D AND DECREED that Plaintiff may serve the Notice of Sale on Defendant, Marva R. Purvis, by (1) sending true and correct copies thereof by simultaneous certified and reuular mail to the last known address located at 2280 Country Road, Chambersburs!, PA 17201; and (2) posting a true and cotTect copy thereof on the mortga?oed property located at 219 South Penn Street, Shippensburg, PA 17257 by the 'Sheriff or any competent adult. Service of the aforementioned mailings is effective upon the date of mailing and is to be effectuated by Plaintiffs attorney. who will file with the Prothonotary's Office a Certificate of Service as to such mailings BY -I'1{I_: COL IZ"1': J. MW 10-03901? U.S. POSTAL SERVICE CERTIFICATE OF MArIIING_ MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, Pq OT PROVIDE FOR INSURANCE-POSTMASTER e; d Received From: Shapiro and Kreisman LLC 3600 Horizon Drive Ste. 150 King Of Prussia, PA 19406 One piece of ordinary mail addressed to: Marva R Purvis 2280 Country Road Chambersburg, PA 17201 PS Form 3817, January 2001 RJ " (Domestic Onfy; No insurance Coverage Provided) r-q III Ln 13- cenified f-ee RI M 90 EZ3 1 return Receipt f=ee -? - Posirrark f3 if rdorsement Required) Hear' riestncted Deliverv Fee p ;Fndorsemert Required) rru al postage & Fees ? S------ -- - ---- _ I p ,fr=r Apr ri= 1 ..... ??? _y. ... _ fti PU Bcx No. r!, Slate,, ZIP+4 - FS Form 3800. August 2006 See Reverse for Instructions ?'r '4: SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-039012 Provident Funding Associates, L.P. PLAINTIFF VS. Marva. R. Purvis DEFENDANT COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:2011-681 CERTIFICATION OF NOTICE TO LIENHOLDERS PURSUANT TO PA R.C.P 3129.2 (C) (2) 1, Meghan Williams, Legal Assistant for Shapiro & DeNardo, LLC, attorneys for the Plaintiff, Provident Funding Associates, L.P., hereby certify that Notice of Sale was served on all persons appearing on Exhibit "A" attached hereto, by United States mail, first class, postage prepaid, with Certificates of Mailing on May 4, 2012, the originals of which are attached and that each of said persons appears on Plaintiffs Affidavit pursuant to Pa. R.C.P. 3129.1. "The undersigned understands that the statements herein are subject to the penalties provided by 18 P.S. Section 4904. Respectfully submitted, SHAPIRO & DeNARDO, LLC BY: Meghan Williams Legal Assistant 10-039012 I Liu) 1LL LL Oui u b1oad IU) LL uoi uuguoD a.mipu'??S o UOIJULLUIJ IOD 'JOAT O(I (D o ? 4 ab? . ?. ? ? y w 7 N f0 N > y O (D ? rn m ? mU x maa.? CL mrzz mI-)? - - E m t ) Cc a'raomV c 7 U m N x`o° om c LL ` l Q C u o u C N i ? y LL C C O O ? o E a ° o ° o(-) 0 CJ a o N N N ._ > o o ???? Q v Mfg O m CO ? is ? c C N N .'+ ° 7 U TC ?' 00 ll LJ 7 1 y 0 v c N N C- m O ? >. ?1 U? 7 N ?? 0.? y ?., N .V ? O ? n al ? U N O U N ? M j O ?: 7 C N U > U V] Q O N V? j G !? c,.., . E ° N d G _- C a°i `>? o B o y o aQ o y0 ENQ a aO°xa o CIS a ? ` a ? A 3?? > yv?W "- N r i ai n U U o w d Rx v o a o c ? o c ° ? E O° n ? E C? c° 0 3 ° s ????? Q r °? cv o v°c L BC Cya °c ??C1 U i ? :?'?-'U S3°-a. E=ND Ufa- ? Caw3s C]?C.? aQ. W a.? d d d c 0 c d E r ? U ?a T m > (0 c m a c 0 a m m O Y c p T Q ?. Q E 0 U N N i 4 N Z O ^J ? Q N ? > ? z D r N_ 'O oyj O :- E OF CA z L 7 'C Z s ? v :L 3 p I I N M N N N U_ N? ? N o O N O z _> Q 0 N O ? O N f6 N ? u s a LL O ? C) E U) C 7 I T E Lo LL ?U) Q. SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith "= } Chief Deputy _ t j JT 17 i¢ Richard W Stewart Solicitor PEN SYLVA, Provident Funding Associates, LP vs. Case Numbei Marva R. Purvis (et al.) 2011-681 SHERIFF'S RETURN OF SERVICE 03/28/2012 03:27 PM - Deputy Gerald Worthington, 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 219 S. Penn Street, Shippensburg Borough, Shippensburg, PA 17257, Cumberland County. 03/28/2012 03:27 PM - Deputy Gerald Worthington, being duly sworn according to law, served the requested Rea Estate Writ, Notice and Description, in the above titled action, upon the within named Defendant, to wi : Marva R. Purvis, pursuant to Order of Court by "Posting" the premises located at 219 S. Penn Street, Shippensburg Borough, Shippensburg, PA 17257, Cumberland County with a true and correct copy according to law. 06/06/2012 Ronny R Anderson, Sheriff, being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Cumberland County Courthouse, Carlisle, Cumberland County, Pennsylvania on June 06, 2012 at 10:00 AM. He sold the same for the sum of $1.00 to Attorney Christopher DeNardo, on behalf of Federal Horne Loan Mortgage Corporation, being the buyer in this execution, paid to the Sheriff the sum of $ SHERIFF COST: $909.00 SO ANSWERS, July 12, 2012 RON R ANDERSON, SHERIFF 0o 4d C'p 7 0 vj? SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-039012 Provident Funding Associates, L.P PLAINTIFF VS. Marva R. Purvis DEFENDANT COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 2011-681 AFFIDAVIT PURSUANT TO RULE 3129.1 Provident Funding Associates, L.P., Plaintiff in the above action, sets forth, as of the d the praecipe for the writ of execution was filed, the following information concerning the real property located at 219 South Penn Street, Shippensburg, PA 17257. Name and address of Owner(s) or Reputed Owner(s) Marva R. Purvis 2280 Country Road Chambersburg, PA 17201 2. Name and address of Defendant in the judgment: Marva R. Purvis 2280 Country Road Chambersburg, PA 17201 3. Name and last known address of every judgment creditor whose judgment is a record lien, on the real property to be sold: Provident Funding Associates, L.P. 1235 N. Dutton Avenue, Suite E Santa Rosa, CA 95401 4. Name and address of the last recorded holder of every mortgage! of record: Provident Funding Associates, L.P., Plaintiff 1235 N. Dutton Avenue, Suite E Santa Rosa, CA 95401 5. Name and address of every other person who has any record lien on the property: f Internal Revenue Service WM S. Moorehead Federal Bldg. Advisory 1000 Liberty Avenue, Room 704 Pittsburgh, PA 15222 PA Department of Revenue Bureau of Compliance P.O. Box 281230 Harrisburg, PA 17128-1230 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: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 219 South Penn Street Shippensburg, PA 17257 Commonwealth of Pennsylvania Department of Revenue Inheritance Tax Division 1131 Strawberry Square, 6th Floor Harrisburg, PA 17128 Department of Public Welfare Estate Recovery Program, P.O. Box 8486 Willow Oak bldg, Harrisburg, PA 17105-8486 Department of Treasury Internal Revenue service Center Cincinnati, OH 45999 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating, to unsworn falsification] to authorities. SHAPIRO & DeNARDO, LLC BY: Christopher A. DeNardo, Esquire 10-039012 iij1 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-039012 Provident Funding Associates, L.P. PLAINTIFF VS. Marva R. Purvis DEFENDANT COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 2011-681 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Marva R. Purvis 2280 Country Road Chambersburg, PA 17201 Your house (real estate) at: 219 South Penn Street, Shippensburg, PA 17257 33-34-2415-172 is scheduled to be sold at Sheriffs Sale on June 6, 2012 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00AM to enforce the court judgment of $92,867.68 obtained by Provident Funding Associates, L.P. against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to Provident Funding Associates, L.P. the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610)278-6800. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open t judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may 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 on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610)278-6800. 6. You 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. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner df the property as if the sale never happened. 9. You have a right to remain in the property until the full amount due is paid to the Sherii'f and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 10. You may be entitled to a share of the money, which was paid for your house. A schedu of distribution of the money bid for your house will be filed by the Sheriff no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (1 days after the date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house back, if yo, act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU A ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECT ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL USED FOR THAT PURPOSE. 10-039012 ALL that certain lot of ground with the dwelling house known as 219 South Penn Street, situate; in the Borough of Shippensburg, Cumberland County, Commonwealth of Pennsylvania, bounded and described as follows: ON the West by South Penn Street; on the North by property formerly of the William E. Shapl?y Estate, being now or formerly of Zelda Hamilton; on the East by property formerly of John Barnett separated from it by a narrow alley and property now or formerly of Samuel W. Harpe ; and on the South by the right-of-way of the Reading Company; with a private driveway for vehicles and other conveyances, from Penn Street, through the property of Samuel W. Harper and John Barnett to a public alley, which parallels Penn Street, which private driveway is for tl?e use of the owner of the herein described real estate and the Harper property and the Barnet property aforementioned, and other desiring to use the same. PARCEL No. 33-34-2415-172 BEING the same premises which Howard A. Wright, Jr., Administrator of the Estate of HowE A. Wright, Sr., deceased, by Deed dated September 16, 1976 and recorded in the Cumberland County Recorder of Deeds Office on December 20, 2010 in Deed Book X26 page 384, grante and conveyed unto Donald L. Purvis and Marva R. Purvis. Included in the above description, but expressly excluded from this mortgage is a certain par of real estate conveyed from Donald L. Purvis and Marva R. Purvis, his wife to the Borough Shippensburg, dated February 18, 1982 and recorded February 23, 1982 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania in Deed Book R, Volume 29, Page AND THE SAID Donald L. Purvis departed this life on or about 09/11/2010, thereby vesting title solely in his wife, Marva R. Purvis. ALL that certain lot of ground with the dwelling house known as 219 South Penn Street, situate in the Borough of Shippensburg, Cumberland County, Commonwealth of Pennsylvania, bounded and described as follows: ON the West by South Penn Street; on the North by property formerly of the William E. Shap Estate, being now or formerly of Zelda Hamilton; on the East by property formerly of John Barnett separated from it by a narrow alley and property now or formerly of Samuel W. Harpe and on the South by the right-of-way of the Reading Company; with a private driveway for vehicles and other conveyances, from Penn Street, through the property of Samuel W. Harper and John Barnett to a public alley, which parallels Penn Street, which private driveway is for t use of the owner of the herein described real estate and the Harper property and the Barnet property aforementioned, and other desiring to use the same. PARCEL No. 33-34-2415-172 BEING the same premises which Howard A. Wright, Jr., Administrator of the Estate of Howa A. Wright, Sr., deceased, by Deed dated September 16, 1976 and recorded in the Cumberland County Recorder of Deeds Office on December 20, 2010 in Deed Book X26 page 384, grantee and conveyed unto Donald L. Purvis and Marva R. Purvis. Included in the above description, but expressly excluded from this mortgage is a certain par of real estate conveyed from Donald L. Purvis and Marva R. Purvis, his wife to the Borough Shippensburg, dated February 18, 1982 and recorded February 23, 1982 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania in Deed Book R, Volume 29, Page AND THE SAID Donald L. Purvis departed this life on or about 09/11/2010, thereby vesting title solely in his wife, Marva R. Purvis. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO11-681 Civil COUNTY OF CUMBERLAND) CIVIL ACTION -- LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due PROVIDENT FUNDING ASSOCIATES, L.P. Plaintiff (s) From MARVA R. PURVIS (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: $92,867.68 L.L.: Interest. MARCH 23, 2011 TO JUNE 6, 2012 IS $7,027.80 Atty's Comm: % Due Prothy: $2.00 Atty Paid: $1,448.34 Plaintiff Paid: Other Costs: Date: DECEMBER 12, 2011 (Seal) 7?2• ?adL David D. Buell, Prothono Deputy REQUESTING PARTY: Name: CHRISTOPHER A. DENARDO, ESQUIRE Address: SHAPIRO & DENARDO, LLC; 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 Supreme Court ID No. 78447 TRUE COPY FROM RECD D In Testimony whereof, I here unto set y hand and the seal of said rt at Carlisl, a. This - 1-A_day of OC 20 ?/ #&2,0 Pr notary On January 1, 2012 the Sheriff levied upon the defendant's interest in the real property situated in the Borough of Shippensburg, Cumberland County, PA, known and numbered as 219 South Penn Street, Shippensburg, PA 17013, more fully described on Exhibit"A" filed with this writ and by this reference incorporated herein. Date: January 30, 2012 By: For Claudia Brewbaker, Real Estate Coordinator ?, 2 t YyJV .: Writ No. 2011-681 Civil Term Provident Funding Associates, L.P. vs. Marva R. Purvis Atty.: Christopher A. DeNardo ALL that certain lot of ground with the dwelling house known as 219 South Penn Street, situate in the Bor- ough of Shippensburg, Cumberland County, Commonwealth of Pennsyl- vania, bounded and described as follows: ON the West by South Penn Street; on the North by property formerly of the William E. Shapley Estate, being now or formerly of Zelda Hamilton; on the East by property formerly of John Barnett separated from it by a narrow alley and property now or formerly of Samuel W. Harper; and on the South by the right-of-way of the Reading Company; with a private driveway for vehicles and other conveyances, from Penn Street, through the property of Samuel W. Harper and John Barnett to a public alley, which parallels Penn Street, which private driveway is for the use of the owner of the herein described real estate and the Harper property and the Barnet property aforementioned, and other desiring to use the same. PARCEL No. 33-34-2415-172 BEING the same premises which Howard A. Wright, Jr., Administrator of the Estate of Howard A. Wright, Sr., deceased, by Deed dated Sep- tember 16, 1976 and recorded in the Cumberland County Recorder of Deeds Office on December 20, 2010 in Deed Book X26 page 384, granted and conveyed unto Donald L. Purvis and Marva R. Purvis. Included in the above description, but expressly excluded from this mortgage is a certain parcel of real estate conveyed from Donald L. Pur- vis and Marva R. Purvis, his wife to the Borough of Shippensburg, dated February 18, 1982 and recorded February 23, 1982 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania in Deed Book R, Volume 29, Page 986. AND THE SAID Donald L. Pur- vis departed this life on or about 09/11/20 10, thereby vesting title solely m his wife, Marva R. Purvis. 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 anState aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Lai Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesE 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 regularl, 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, 27, May 4, and May 11, 2012 Affiant further deposes that he is authorized to verify this statement by the Cumberla Law Journal, a legal periodical of general circulation, and that he is not interested in the subj 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. Li a arie Coyne, Editor SWORN TO AND SUBSCRIBED before me this 11 da of May, 2012 Notary NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BOROUGH, CUMBERLAND COUNTY My Commission Expires Apr 28, 2014 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ISS: I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify the Sheriff's Deed in which Federal Home Loan Mortgage Corporation is the grantee the same been sold to said grantee on the 6 day of June A.D., 2012, under and by virtue of a writ Execution on the 12 day of December, A.D., 2011, out of the Court of Common Pleas of said County as of Ci i Term, 2011 Number 681, at the suit of Provident Funding Assoc L.P against Marva R. Purvis is d?ly recorded as Instrument Number 201221277. ?I ?I ?I IN TESTIMONY WHEREOF I have he eunto set my hand and eal of said office this _ da? of A.D. 20/, Recorder of eeds Recorder of Deal* Qvftw County, cite. My Cwvrnssion Expires the Fret Mwm* of Jan. 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 Z4tPatriot News 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 f the Commonwealth of Pennsylvania, with its principal office and place of business at 2020 Technology Pkwy, Suite 300, in the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in heir regular daily and/or Sunday/ Community Weekly editions which appeared on the date(s) indicated below. That neither she rlr 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 tatement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted se erally 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: w 04/27/12 05/04/12 05/11/12 Sworn to zjR6shbscribed\0efo_r,6 mVa th Notary Public .of May, 2012 A.D. COMMONWEALTH OF PENNSYLVANIA Notarial Seal ?'LVANIA Sherrie L. Owens, Notary Public Lower Paxton Twp., Dauphin County MEM ER, pE PENNSYLVANIA Nov. 26, 2015 ASSOCIATION OF NOTARIES ProZ011.6gI Chili Terra vide Funding Associates, L.P. VS Marva R. Pu?vis Atty. ChNstophe f A. ALL that certain lot of ?enardo the dwelling house Inv gr°und with Penn Street si ° as 219 South tuate in the PPensburg CumberlandBoorough of Commonweal, thofpe unty, and described as fon bounded ON the West by North by Property South Penn Street; on the E. Sha 1 formerly of the William of Zelda W Estate 'being now or former formerly ofHjohnn; on the East by property it by a narrow all B Jett separated from formerly of Samuel W P perty now or South o ,. a o* way o and g the Compavehicles pfiatedtivewayfor and other conveyances from the property Penn Street, through °f Samuel alloy ?Cti d John Barnet' to a public Private driveway Penn Street, which Is for the use of the owner of the herein aay escri Ma property bed real estate and the aroremen oneand other e Barnet property desiring to use the same.Pg12CEL No. 33- 24 5-172 A W .C` i, the Jr. same premises why blHoward gh Adm(nistrator of the fate De d da dated wnght Sr., d ?the d' by ? recorded in the Septem Cumbe ber 16,rland December 976 and f ounty Recorder of. eeds Office on 20, Page 384 10i, Deed Book X26 ' 8ranted onald conveyed unto D I. Included in ?e ab and e? a R Purvis. expressly excluded from ti-1, but ev n aparcel of real estate nort ?de is a D L Purvis an wife to the Borough (Marva R, Put?vi & Sh'PPensburg, dated February 18, recorded February 23, 1 1982 and 982 in the 82 2 Office Of the Recorder of Ded9 Cumberland County, Pen"hania in '/olume 29, Page 986, n Book R, Donald L. Purvis AND THE SAID about 09/11/2010 departed this life on or solely in his ffiereby vesting title wife, Marva R. Purvis.