HomeMy WebLinkAbout11-0698Y 'V
FILED-Ci FICF
OF THE I'NO1 HONOTAR i
2311 JAN 24 V110: 20
CUMB- F ~' AND COUHIP(
?ENNSYL`JANIA
McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE - ID # 16496
MARC S. WEISBERG, ESQUIRE - ID # 17616
EDWARD D. CONWAY, ESQUIRE - ID # 34687
MARGARET GAIRO, ESQUIRE - ID # 34419
123 South Broad Street, Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
JPMorgan Chase Bank, National Association
10790 Rancho Bernardo Road
San Diego, California 92127
V.
Thomas E. Patterson II
1 Carlton Lace Circle
Carlisle, Pennsylvania 17015
and
Corinna R. Patterson
1 Carlton Lace Circle
Carlisle, Pennsylvania 17015
Attorneys for Plaintiff
Cumberland County
Court of Common Pleas ?Y
Number -4 ab " lfi ?,+, ?l lei V? T&tIk
CIVIL ACTION/MORTGAGE FORECLOSURE
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NOTICE
You have been sued in court. If you wish to defend
against the claims set forth in the following pages, you
must take action within twenty (20) days after this
complaint and notice are served, by entering a written
appearance personally or by attorney and filing in
writing with the court your defenses or objections to the
claims set forth against you. You are warned that if you
fail to do so the case may proceed without you and a
judgment may be entered against you by the court
without further notice for any money claimed in the
complaint or for any other claim or relief requested by
the plaintiff. You may lose money or property or other
rights important to you.
YOU SHOULD TAKE THIS PAPER TO
YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW. THIS OFFICE CAN
PROVIDE YOU WITH INFORMATION ABOUT
HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A
LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT
AGENCIES THAT MAY OFFERLEGAL SERVICES
TO ELIGIBLE PERSONS AT A REDUCED FEE OR
NO FEE.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, Pennsylvania 17013
(800) 990-9108
AVISO
Le han demandado a usted en ]a corte. Si usted quiere
defenderse de estas demandas ex-puestas en las paginas
siguientes, usted tiene veinte (20) dias de plazo al partir
de la fecha de la demanda y ]a notificacion. Hace falta
asentar una comparencia escrita o en persona o con un
abogado y entregar a la corte en forma escrita sus
defensas o sus objeciones a las demandas en contra de
su persona. Sea avisado que si usted no se defiende, la
corte tomara medidas y puede continuar la demanda en
contra suya sin previo aviso o notificacion. Ademas, la
corte puede decidir a favor del demandante y requiere
que usted cumpla con todas las provisiones de esta
demanda. Usted puede perder dinero o sus propiedades
u otros derechos importantes para usted.
USTED LE DEBE TOMAR ESTE PAPEL A
SU ABOGADO INMEDIATAMENTE. SI USTED NO
TIENE A UN ABOGADO, VA A O TELEFONEA LA
OFICINA EXPUSO ABAJO. ESTA OFICINA LO
PUEDE PROPORCIONAR CON INFORMATION
ACERCA DE EMPLEAR A UN ABOGADO.
SI USTED NO PUEDE PROPORCIONAR
PARA EMPLEAR UN ABOGADO, ESTA OFICINA
PUEDE SER CAPAZ DE PROPORCIONARLO CON
INFORMACION ACERCA DE LAS AGENCIAS
QUE PUEDEN OFRECER LOS SERVICIOS
LEGALES A PERSONAS ELEGIBLES EN UN
HONORARIO REDUCIDO NI NINGUN
HONORARIO.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, Pennsylvania 17013
(800) 990-9108
CIVIL ACTION/MORTGAGE FORECLOSURE
1. Plaintiff is JPMorgan Chase Bank, National Association, a corporation duly organized and
doing business at the above captioned address.
2. The Defendant is Thomas E. Patterson H, who is the mortgagor and real owner of the
mortgaged property hereinafter described, and his/her last-known address is 1 Carlton Lace Circle, Carlisle,
Pennsylvania 17015.
3. The Defendant is Corinna R. Patterson, who is the mortgagor and real owner of the
mortgaged property hereinafter described, and his/her last-known address is 1 Carlton Lace Circle, Carlisle,
Pennsylvania 17015.
4. On March 28, 2003, mortgagors made, executed and delivered a mortgage upon the premises
hereinafter described to Mortgage America, Inc. which mortgage is recorded in the Office of the Recorder
of Cumberland County in Mortgage Book 1804, Page 844.
5. The aforesaid mortgage was thereafter assigned by Mortgage America, Inc. to JPMorgan
Chase Bank, National Association, by Assignment of Mortgage, which will be duly recorded in the Office
of the Recorder of Cumberland County.
6. The premises subject to said mortgage is described in the legal description attached as
Exhibit "A" and is known as 1 Carlton Lace Circle, Carlisle, Pennsylvania 17013.
7. The mortgage is in default because monthly payments of principal and interest upon said
mortgage due October 1, 2010 and each month thereafter are due and unpaid, and by the terms of said
mortgage, upon default in such payments for a period of one month, the entire principal balance and all
interest due thereon are collectible forthwith.
The following amounts are due on the mortgage:
Principal Balance $ 100,158.55
Interest through January 12, 2011 $ 2,292.45
(Plus $17.15 per diem thereafter)
Attorney's Fee $ 1,300.00
Late Charges $ 166.73
Corporate Advance $ 216.90
Escrow Advance $ 2,012.88
GRAND TOTAL $ 106,147.51
9. Notice of Intention to Foreclose as required by Act 6 of 1974 (41 P.S. §403) and notice
required by the Emergency Mortgage Assistance Act of 1983 as amended under 12 PA Code Chapter 13, et
seq., commonly known as the Combined Notice of Delinquency has been sent to Defendant by regular mail
with a certificate of mailing and by certified mail, return receipt requested.
10. A copy of Chase's Homeowner's Information Packet is attached hereto as Exhibit "B".
WHEREFORE, Plaintiff demands in rem Judgment against the Defendant in the sum of $106,147.51,
together with interest at the rate of $17.15 per diem and other costs and charges collectible under the
mortgage and for the foreclosure and sale of the mortgaged property.
McCABE, WEISBERG AND CONWAY,P.C.
BY:
Atto eys for Plaintiff
TERRENCE J. McCABE, ESQUIRE
MARC S. WEISBERG, ESQUIRE
EDWARD D. CONWAY, ESQUIRE
MARGARET GAIRO, ESQUIRE
VERIFICATION
The undersigned attorney hereby certifies that he/she is the Attorney for the Plaintiff in the
within action, and that he/she is authorized to make this verification and that the foregoing facts based on
the information from the Plaintiffs representative, who is out of jurisdiction and not available to sign this
verification at this time, and are true and correct to the best of his/her knowledge, information and belief
and further states that false statements herein are made subject to the penalties of 18 PA.C.S. §4904
relating to unsworn falsification to authorities.
McCABE, WEISBERG AND CONWAY,P.C.
BY:
Attorneys for Plaintiff
TERRENCE J. McCABE, ESQUIRE
MARC S. WEISBERG, ESQUIRE
EDWARD D. CONWAY, ESQUIRE
MARGARET GAIRO, ESQUIRE
JPMorgan Chase Bank, National Association v. Thomas E. Patterson 11 and Corinna R. Patterson
-
Exhibit A
Exhibit "A"
File No. 03-187
ALL THAT CERTAIN tract or parcel of land and premises, situate, lying and being
in the Township of South Middleton, in the County of Cumberland and
Commonwealth of Pennsylvania, more particularly described as follows:
IN ACCORDANCE with the Revised Plan of Lots 11 through 27 of Walnut Terrace,
which Plan is recorded in the Office of the Recorder of Deeds in and for
Cumberland County, Pennsylvania, in Plan Book 13, Page 24 and re-recorded in
Plan Book 17, Page 50, as follows:
BEGINNING at a point on the Eastern line of Charlton Place at the Northwestern
corner of Lot No. 22; said point also being 123.28 feet Northwest of the intersection
of the Northeasterly side of Charlton Place and the Northwesterly side of Annendale
Drive; thence along the Northern lines of Lots 22 and 23 North 27 degrees 14
minutes 20 seconds East, a distance of 180 feet to a point in line of Lot No. 24;
thence along the Western line of Lot No. 24 North 41 degrees 45 minutes West, a
distance of 9255 feet to a point in the Southern line of Lot No. 5; thence along
portions of the Southern line of Lots Nos. 5 and 6 South 48 degrees 15 minutes West,
a distance of 112.83 feet to a point, the Northeastern corner of Lot No. 20; thence
along the Eastern line of Lot No. 20 South 08 degrees 30 minutes 40 seconds East, a
distance of 123.7 feet to a point in the Eastern line of Charlton Place; thence along
the Eastern line of Charlton Place by a curve to the right having a radius of 40 feet
and a distance of 60.78 feet to a point, the place of BEGINNING.
BEING all of Lot No. 21 as shown on the said Revised Plan of Lots 11 through 27 of
Walnut Terrace, and having thereon erected a one story brick ranch-type dwelling
house known and numbered as 1 Carlton Place Circle, Carlisle, PA 17013.
SUBJECT to building and use restrictions and easements of record.
BEING THE SAME PREMISES which FRANCIS E. DEROBA and HOLLY L. DEROBA,
HUSBAND AND WIFE by Deed dated 3128103 and intended for immediate recording in the
Office of the Recorder of Deeds in and for Cumberland, Pennsylvania, granted and
conveyed unto THOMAS E. PATTERSON, III and CORINNA PATTERSON, HUSBAND AND
WIFE, Mortgagor(s) herein.
EXHIBIT A TO M644634 PG 0 3 6 0
this to be recorded
' . _rind County PA
W,
Recorder of Deeds
You may save the form locally to your computer and complete at your own pace. Chase can NOT
accept electronic signatures on these documents, so it's important that you print the document
and sign in all required places.
Delays in the process often are a result of missing information or signatures on required forms.
This packet contains the following items:
Section 1. Required Documentation for Borrower and Co-Borrower Checklist -
Detailed list of the documents you must send to us in addition to the packet
Section 2. Financial Information Form -
Provides information about your property, loans, income, etc.
Section 3. Home Affordable Modification Program Hardship Affidavit -
Explains the circumstances that have made it difficult for you to stay up-to-date
with your mortgage payments
Section 4.4506T-EZ Request for Transcript of Tax Return Form -
Allows Chase to receive a transcript of your tax return to verify income information
If you need any assistance completing this packet please contact us at 866-550-5705.
Please send the completed packet as well as all required documentation to Chase:
By Regular Mail:
Chase Fulfillment Center
P.O. Box 469030
Glendale, CO 80246
By Overnight Mail:
Chase Fulfillment Center
4500 Cherry Creek Drive South
Suite #100
Glendale, CO 80246
By Fax: 866-282-5682
Important Information
Chase Home Finance LLC is attempting to collect a debt, and any information obtained will be used for that purpose.
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be rejected in your credit report.
If you are represented by an attorney, please refer this letter to your attorney and provide us with the attorneys name, address, and telephone number.
If you are currently a debtor in bankruptcy proceedings and subject to the protections of the automatic stay, or if you have received a final discharge in a bankruptcy,
this notice is for compliance and/or informational purposes only and not an attempt to impose personal liability for the debt in violation of the bankruptcy laws.
However, Chase Home Finance LLC still has the right under the Mortgage to foreclose on the Property.
An important reminder for all our customers: As stated in the "Questions and Answers for Borrowers about the Homeowner Affordability and Stability Plan"
distributed by the Obama Administration, "Borrowers should beware of any organization that attempts to charge a fee for housing counseling or modification of
a delinquent loan, especially if they require a fee in advance." Chase offers loan modification assistance free of charge (i.e., no modification fee required). Please
call us immediately at 866-550-5705 to discuss your options. The longer you delay the fewer options you may have.
8705H CHSCVR-10-23-09-CF
In order for us to evaluate your request you must complete the enclosed packet, in full, and fax or
mail it to Chase with the required documentation.
Bofrower(s) Name:
Loan Number(s):
? Owner Occupied F-INon-Owner Occupied
SECTION 1: Required Documentation for Borrower and Co-Borrower
If you are a Wage Earner (you receive a W-2 from your employer) please use the following checklist:
? Two (2) most recent Pay Stubs (two for each borrower)
Length of service with Current Employer: Borrower Year(s): Month(s): Co-Borrower Year(s): Month(s):
Most recent one (1) month's of Complete Bank Statement (must provide all pages)
Most recent statement(s) supporting assets listed on page 2 of the Financial Information Form (must provide all pages of statements)
Most recent Tax Return Completed (signed with all pages) or most recent filed and proof of extension (signed with all pages)
? Proof of income for other household members living in the home (Alimony, Child Support, Pension, etc )
if you want such income considered for a loan workout
Proof of any other Income received (Alimony, Rental, Child Support, Pension, etc.)
? Proof of occupancy - a recent utility bill in your name at property address
if loan is Non-Escrowed
A) Copy of the most recent property tax bill(s) with a copy of the canceled check for all applicable taxes (County, City, School, etc.)
B) Copy of the current insurance declaration page for all applicable coverage types (must show premium amount for homeowner's, flood, and wind)
C) Proof of payment of Homeowner's Association Fees (if applicable)
? Non-Owner Occupied (ONLY)
A) Rental Income with copies of Rental Agreement
B) Principal, Interest, Taxes, and Insurance for Primary Residence $
C) Mortgage Holder(s) for Primary Residence
D) Primary Residence Address (input below)
Completed Financial Information Form (enclosed)
? Completed Hardship Affidavit (enclosed) - completed and signed by all Borrowers (no notary required)
? Completed 4506T-EZ - Request for Transcript of Tax Return (enclosed.) Be sure to sign and date this form.
if you are Self Employed, please use the following checklist:
? P & L Statement / Audited or reviewed YTD Income Statement (must provide)
Most recent two (2) years' Tax Returns Completed (personal and business, signed with all pages) or 1099s or most recent two (2) years filed and proof
of extension
? Last four (4) months' of complete Business and Personal Bank Statements (must provide all pages. If a business account is not used, provide a written
statement stating a business account is not used.)
? Most recent statement(s) supporting assets listed on page 2 of the Financial Information Form (must provide all pages. If a business account is not
used, provide a written statement stating a business account is not used.
? Most recent statement(s) supporting assets listed on page 2 of the Financial Information Form (must provide all pages of statements)
7 Length of time of Business Ownership: Borrower Year(s): Month(s): Co-Borrower Year(s): Month(s):
El Proof of Income for other household members living in the home (Alimony, Child Support, Pension, etc.)
if you want such income considered for a loan workout
? Proof of any other income received (Alimony, Rental, Child Support, Pension, etc.)
Proof of occupancy - a recent utility bill in your name at property address
if loan is Non-Escrowed
A) Copy of the most recent property tax bill(s) with a copy of the canceled check for all applicable taxes (County, City, School, etc.)
B) Copy of the current insurance declaration page for all applicable coverage types (must show premium amount for homeowner's, flood, and wind)
C) Proof of payment of Homeowner's Association Fees (if applicable)
? Non-Owner Occupied (ONLY)
A) Rental Income with copies of Rental Agreement
B) Principal, Interest, Taxes, and Insurance for Primary Residence $
C) Mortgage Holder(s) for Primary Residence
D) Primary Residence Address (input below)
Completed Financial Information Form (enclosed)
Completed Hardship Affidavit (enclosed) - completed and signed by all Borrowers (no notary required)
Completed 4506T-EZ - Request for Transcript of Tax Return (enclosed.) Be sure to sign and date this form.
Primary Address:
Comments:
CHSCVR-10-23-09
CHASE 0
Loan Number
Financial Information Form
Page 1 of 3
F.?' .??Rl 'A M
Chase offers options for resolving your home loan issues. Please answer the questions below as completely and accurately as possible.
This information will only be used to aid in the evaluation of homeownership reservation options, not for an other purpose.
Borrower Co-Borrower
Name (Include Jr. or Sr. if applicable) Name (Include Jr. or Sr. if applicable)
Social Security Number: Social Security Number:
Home Phone: Best Time to Call: Home Phone: Best Time to Call:
Work Phone: Best Time to Call: Work Phone: Best Time to Call:
Other Phone: Best Time to Call: Other Phone: Best Time to Call:
E-mail Address E-mail Address
Permission to Contact Via E-mail? Yes No Permission to Contact Via E-mail? F-1 Yes F-] No
Marital Status Unmarried El Married Separated Divorced Marital Status Unmarrie 11 Divorced F1 Separated Married
PRO.E 1
Property Address (street, city, state & zip code) Mailing Address (street, city, state & zip code)
Reside at Property?
Borrower E] Co-Borrower Want to Retain Property?
E] Yes [:] No
'
# of People in Household:
# of Dependents:
# of Units at Property: Property Condition
Good E] Fair E] Poor Is the Property for Sale?
? Yes No
Listing Amount:
Realtor Name Realtor Address Realtor Phone:
LOANO RMATI(
Loan Account Number: Months Past Due: Second Loan Account Number: Second Loan Months Past Due: Balance
Are you currently working with Chase on a foreclosure
prevention resolution? F-1 Yes F-1 No Mortgage Company:
Which foreclosure resolution is already in process?
E] Refinance E] Deferment Deed-in-Lieu E] Modification [-] Repayment Plan Short Sale
Chase Associate Name: Chase Associate Phone Date Process Began
A P. I& TA' , $ `r
If you are in an active bankruptcy, we will need to work with our attorne on a possible resolution.
Are you in Active Bankruptcy? [_1 Yes No Bankruptcy Chapter Type Bankruptcy Case Number Date of Bankruptcy Filing
Bankruptcy Associate Name Bankruptcy Attorney Address Bankruptcy Attorney Phone
EMPIQYkEN 4 WO.4M11k ON
Borrower
Employer Co-Borrower
Employer
Employer Address Employer Address
Employer Phone: How long employed? Employer Phone: How long employed?
Self Employed? 0 Yes F] No Self Employed? [-] Yes No
CHOCFIF-0509
CHASE 0
Borrower Name
Loan Number
Financial Information Form
Page 2 of 3
M10 r . W1.
Borrower Co-Borrower
Income Source
(Employer Name, Rental, etc)
Monthly Gross Income Income Source
(Employer Name, Rental, etc)
Monthly Gross Income
Employer S Employer S
Employer $ Employer S
Employer $ Employer $
Rental Income $ Rental Income $
Other $ Other 5
Other $ Other $
Total $ Total $
Borrower /
Co-Borrower Additional Income Description
Alimony, child support, or separate maintenance income need not be revealed if
Borrower or Co-Borrower does not choose to have it considered for approval of a
loan workout.
Monthly Amount
5
$
5
Total 5
AS-SETS
Asset Amount Owed Value Vehicle Model/Year Amount Owed Value
Home S S Automobile $ $
Other Real Estate S $ Automobile $ $
Retirement Funds 5 $ Automobile $ $
Investments S $ Motorcycle $ $
Checking Balance $ $ Boat $ $
Savings Balance $ $ Motor Home $
Other: $ $ Airplane $ $
Other: $ $ Other: $ $
Other: $ $ Other: $ $
I Total S 5 Total $ 5
CHOCFIF-0509
CHASE 0
Borrower Name
Loan Number
Financial Information Form
Page 3 of 3
Monthly Expense Borrower Co-Borrower
Other Home Loans, Rents & Liens $ $
Auto Loan(s) $ $
Auto Insurance & Other Auto Expenses S $
Credit Cards & Installment Loans 5 $
Health Insurance S $
Medical Expenses S $
Child Care, Child Support & Alimony $ $
Food $
5
Miscellaneous Spending Money $ S
Utilities S S
Communications (Phone, Celt Phone, Internet) 5 S
Other 5 S
TOTAL $
S
l agree that the financial information provided is true and accurate as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of
the information contained in this document may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon the
document and/or in criminal penalties including but not limited to fine or imprisonment or both under the provisions of Title 18 United States Code, Sec. 1001, et seq.1
understand and acknowledge that any action taken by the lender is in strict reliance on the financial information provided. My signature/acceptance below grants the
holder of my mortgage or its designee the authority to confirm the information that I have disclosed in this financial statement, to verify it as accurate by ordering a credit
report, and to contact my realtor and/or credit counseling service.
By providing a wireless telephone number, you consent to receiving autodialed and pre-recorded message calls from the lender or its third-party debt collector at that
number.
I represent that
I am F-] I am not
currently occupying the property securing the loan as my primary residence and that I intend to continue occupying the property as my primary residence.
Borrower Signature
Co-Borrower Signature
Date
Date
CHOCFIF-0509
CHASE0
SECTION 3: Home Affordable Modification Program Hardship Affidavit
Borrower Name (first, middle, last):
Co-Borrower Name (first, middle, last):
Property Street Address:
Property City, State and ZIP:
Servicer:
Loan Number:
Date of Birth:
Date of Birth:
In order to qualify for 's ("Servicer") offer to enter into an agreement to modify my loan under the federal
government's Home Affordable Modification Program (the "Agreement"), I/we am/are submitting this form to the Servicer and indicating by
my/our checkmarks ("X") the one or more events that contribute to my/our difficulty making payments on my/our mortgage loan.
Borrower Co-Borrower
Yes No Yes No My income has been reduced or lost. For example: unemployment, underemployment, reduced job
? ? ? ? hours, reduced pay, or a decline in self-employed business earnings. I have provided details under
"Explanation" (page 3).
Yes No Yes No My household financial circumstances have changed. For example: death in family, serious or chronic
? ? ? ? illness, permanent or short-term disability, increased family responsibilities (adoption or birth of a
child, taking care of elderly relatives or other family members). I have provided details under
"Explanation" (page 3).
Yes No Yes No My expenses have increased. For example: monthly mortgage payment has increased or wilt increase,
? ? ? ? high medical and health-care costs, uninsured losses (such as those due to fires or natural disasters),
unexpectedly high utility bills, increased real property taxes. I have provided details under
"Explanation" (page 3).
Yes No Yes No My cash reserves are insufficient to maintain the payment on my mortgage loan and cover basic
? ? ? ? living expenses at the same time. Cash reserves include assets such as cash, savings, money market
funds, marketable stocks or bonds (excluding retirement accounts). Cash reserves do not include
assets that serve as an emergency fund (generally equal to three times my monthly debt payments). I
have provided details under "Explanation" (page 3).
Yes No Yes No My monthly debt payments are excessive, and I am overextended with my creditors. I may have used
? ? ? ? credit cards, home equity loans or other credit to make my monthly mortgage payments. I have
provided details under "Explanation" (page 3).
Yes No Yes No There are other reasons I/we cannot make our mortgage payments. I have provided details under
? ? ? ? "Explanation" (page 3).
Page 1 of 4 HIFAFF-0909
Borrower Name
Loan Number
Information for Government Monitoring Purposes
The following information is requested by the federal government in order to monitor compliance with federal statutes
that prohibit discrimination in housing. You are not required to furnish this information, but are encouraged to do so.
The law provides that a lender or servicer may not discriminate either on the basis of this information, or on
whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you
may check more than one designation. If you do not furnish ethnicity, race, or sex, the lender or servicer is required to
note the information on the basis of visual observation or surname if you have made this request for a loan modification
in person. If you do not wish to furnish the information, please check the box below.
? I do not wish to furnish this information ? 1 do not wish to furnish this information
? Hispanic or Latino ? Hispanic or Latino
? Not Hispanic or Latino ? Not Hispanic or Latino
? American Indian or Alaska Native ? American Indian or Alaska Native
? Asian ? Asian
? Black or African American ? Black or African American
? Native Hawaiian or Other Pacific Islander ? Native Hawaiian or Other Pacific Islander
? White ? White
? Female ? Female
? Male ? Male
? Face-to-face interview Interviewer's Name Interviewer's Signature
? Mail
? Telephone Interviewer's Phone Number Date
? Internet
Name and Address of Interviewer's Employer
Borrower/Co-Borrower Acknowledgement
1. Under penalty of perjury, I/we certify that all of the information in this affidavit is truthful and the event(s) identified above has/
have contributed to my/our need to modify the terms of my/our mortgage loan.
2. I/we understand and acknowledge the Servicer may investigate the accuracy of my/our statements, may require me/us to provide
supporting documentation, and that knowingly submitting false information may violate Federal law.
3. I/we understand the Servicer will pull a current credit report on all borrowers obligated on the Note.
4. I/we understand that if I/we have intentionally defaulted on my/our existing mortgage, engaged in fraud or misrepresented any fact
(s) in connection with this Hardship Affidavit, or if I/we do not provide all of the required documentation, the Servicer may cancel
the Agreement and may pursue foreclosure on my/our home.
5. I/we certify that my/our property is owner-occupied and I/we have not received a condemnation notice.
6. I/we certify that I/we am/are willing to commit to credit counseling if it is determined that my/our financial hardship is related to
excessive debt.
7. I/we certify that I/we am/are willing to provide all requested documents and to respond to all Servicer communication in a timely
manner. I/we understand that time is of the essence.
Page 2 of 4 HIFAFF-0909
Borrower Name
Loan Number
8. I/we understand that the Servicer will use this information to evaluate my/our eligibility for a loan modification or other workout,
but the Servicer is not obligated to offer me/us assistance based solely on the representations in this affidavit.
9. I/we accept and agree to all terms of the Home Affordable Modification Trial Period ("Trial Period") Plan which is incorporated
herein by reference as if set forth in full.
10. I/we agree that when the Servicer accepts and posts a payment during the Trial Period it will be without prejudice to, and will not
be deemed a waiver of, the acceleration of my loan or foreclosure action and related activities and shall not constitute a cure of
my default under my loan unless such payments are sufficient to completely cure my entire default under my loan.
11. I/we agree that any prior waiver as to payment of escrow Items in connection with my loan has been revoked.
12. I/we agree to the establishment of an escrow account and the payment of escrow items if an escrow account never existed on my
loan.
13. I/we understand that Servicer will collect and record personal information, including, but not limited to, my name, address,
telephone number, social security number, credit score, income, payment history, government monitoring information, and
information about account balances and activity. I understand and consent to the disclosure of my personal information and the
terms of the Trial Period Plan and Modification Agreement by Servicer to (a) the U.S. Department of the Treasury, (b) Fannie Mae
and Freddie Mac in connection with their responsibilities under the Homeowner Affordability and Stability Plan; (c) any investor,
insurer, guarantor or servicer that owns, insures, guarantees or services my first lien or subordinate lien (if applicable) mortgage
loan(s); (d) companies that perform support services for the Home Affordable Modification Program and the Second Lien
Modification Program; and (e) any HUD certified housing counselor.
Borrower Signature
E-mail Address:
Social Security Number:
Phone Numbers:
Cell:
Home:
Work:
Explanation:
Date
Date Co-Borrower Signature
E-mail Address:
Social Security Number:
Phone Numbers:
Cell:
Home:
Work:
Page 3 of 4 HIFAFF-0909
Borrower Name
Loan Number
Explanation: (continued):
Page 4 of 4 HIFAFF-0909
V?
Form 4506T-EZ Short Form Request for Individual Tax Return Transcript
(October 2009) OMB No. 1545-2154
Department of the Treasury ? Request may not be processed if the form is incomplete or illegible.
Internal Revenue Service
Tip: Use Form 4506T-EZ to order a 1040 series tax return transcript free of charge.
1 a Name shown on tax return. If a joint return, enter the name shown first. 1b First social security number on tax return
2a If a joint return, enter spouse's name shown on tax return 2b Second social security number if joint tax return
3 Current name, address (including apt., room, or suite no.), city, state, and ZIP code
4 Previous address shown on the last return filed if different from line 3
If the transcript is to be mailed to a third party (such as a mortgage company), enter the third party's name, address, and telephone number. The
5 IRS has no control over what the third party does with the tax information.
Third party name Telephone number
Chase Fulfillment Center I ( 866) 550-5705
Address (including apt., room, or suite no.), city, state, and ZIP code
Regular Mail: P.O. Box 469030, Glendale, CO 80246
Overnight Mail: 4500 Cherry Creek Drive South, Suite 100, Glendale, CO 80246
6 Year(s) requested. Enter the year(s) of the return transcript you are requesting (for example, "2008"). Most requests will be processed within
10 business days.
2008
Caution. If the transcript is being mailed to a third party, ensure that you have filled in line 6 before signing. Sign and date the form once you have
filled in line 6. Completing these steps helps to protect your privacy.
Note. If the IRS is unable to locate a return that matches the taxpayer identity information provided above, or if /R5 records indicate that the return has
not been filed, the IRS may notify you or the third party that it was unable to locate a return, or that a return was not filed, whichever is applicable.
Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line la or 2a. If the request applies to a joint return, either
husband or wife must sign.
Note. This form must be received within 60 days of signature date.
Sign PP' Signature (see instructions)
Here
Spouse's signature
Date
Date
Telephone number of taxpayer on
line to or 2a
For Privacy Act and Paperwork Reduction Act Notice, see page 2. Cat. No. 541855 Form 4506T-EZ (10-2009)
Form 45067-EZ (10-2009)
Page 2
Purpose of form. Individuals can use Form
4506T-EZ to request a tax return transcript
that includes most lines of the original tax
return. The tax return transcript will not
show payments, penalty assessments, or
adjustments made to the originally filed
return. You can also designate a third party
(such as a mortgage company) to receive a
transcript on line 5. Form 4506T-EZ cannot
be used by taxpayers who file Form 1040
based on a fiscal tax year (that is, a tax
year beginning in one calendar year and
ending in the following year). Taxpayers
using a fiscal tax year must file Form
4506-T, Request for Transcript of Tax
Return, to request a return transcript.
Use Form 4506-T to request the following.
• A transcript of a business return
(including estate and trust returns).
• An account transcript (contains
information on the financial status of the
account, such as payments made on the
account, penalty assessments, and
adjustments made by you or the IRS after
the return was filed).
• A record of account, which is a
combination of line item information and
later adjustments to the account.
• A verification of nonfiling, which is proof
from the IRS that you did not file a return
for the year.
• A Form W-2, Form 1099 series, Form
1098 series, or Form 5498 series transcript.
Form 4506-T can also be used for
requesting tax return transcripts.
Automated transcript request. You can
call 1-800-829-1040 to order a tax return
transcript through the automated self-help
system. You cannot have a transcript sent
to a third party through the automated
system.
Where to tile. Mail or fax Form 4506T-EZ
to the address below for the state you lived
in when that return was filed.
If you are requesting more than one
transcript or other product and the chart
below shows two different RAIVS teams,
send your request to the team based on
the address of your most recent return.
Where to mail ...
If you filed an Mail or fax to the
individual return "Internal Revenue
and lived in: Service" at:
Alabama, Delaware, RAIVS Team
Florida, Georgia, P.O. Box 47-421
North Carolina, Stop 91
Rhode Island, South Doraville, GA 30362
Carolina, Virginia 770-455-2335
801-620-6922
Kentucky, Louisiana, RAIVS Team
Mississippi, Stop 6716 AUSC
Tennessee, Texas, a Austin, TX 73301
foreign country, or 512-460-2272
A.P.O. or F.P.O.
address
Alaska, Arizona,
California, Colorado,
District of Columbia,
Hawaii, Idaho, Iowa,
Kansas, Maine,
Maryland,
Massachusetts, RAIVS Team
Minnesota, Montana, Stop 37106
New Hampshire, New Fresno, CA 93888
Mexico, New York, 559-456-5876
North Dakota,
Oklahoma, Oregon,
South Dakota, Utah,
Vermont,
Washington,
Wisconsin, Wyoming
Arkansas, RAIVS Team
Connecticut, Illinois, Stop 6705-641
Indiana, Michigan, Kansas City, MO
Missouri, New Jersey, 64999
Ohio, Pennsylvania, 816-292-6102
West Virginia
Signature and date. Form 4506T-EZ must
be signed and dated by the taxpayer listed
on line 1a or 2a. If you completed line 5
requesting the information be sent to a
third party, the IRS must receive Form
4506T-EZ within 60 days of the date signed
by the taxpayer or it will be rejected.
Transcripts of jointly filed tax returns
may be furnished to either spouse. Only
one signature is required. Sign Form
4506T-EZ exactly as your name appeared
on the original return. If you changed your
name, also sign your current name.
Privacy Act and Paperwork Reduction
Act Notice. We ask for the information on
this form to establish your right to gain
access to the requested tax information
under the Internal Revenue Code. We
need this information to properly identify
the tax information and respond to your
request. Sections 6103 and 6109 require
you to provide this information, including
your SSN. If you do not provide this
information, we may not be able to process
your request. Providing false or fraudulent
information may subject you to penalties.
Routine uses of this information include
giving it to the Department of Justice for
civil and criminal litigation, and cities,
states, and the District of Columbia for use
in administering their tax laws. We may
also disclose this information to other
countries under a tax treaty, to federal and
state agencies to enforce federal nontax
criminal laws, or to federal law enforcement
and intelligence agencies to combat
terrorism.
You are not required to provide the
information requested on a form that is
subject to the Paperwork Reduction Act
unless the form displays a valid OMB
control number. Books or records relating
to a form or its instructions must be
retained as long as their contents may
become material in the administration of
any Internal Revenue law. Generally, tax
returns and return information are
confidential, as required by section 6103.
The time needed to complete and file
Form 4506T-EZ will vary depending on
individual circumstances. The estimated
average time is: Learning about the law
or the form, 9 min.; Preparing the form,
18 min.; and Copying, assembling, and
sending the form to the IRS, 20 min.
If you have comments concerning the
accuracy of these time estimates or
suggestions for making Form 4506T-EZ
simpler, we would be happy to hear from
you. You can write to the Internal Revenue
Service, Tax Products Coordinating
Committee, SE:W:CAR:MP:T:T:SP, 1111
Constitution Ave. NW, IR-6526,
Washington, DC 20224. Do not send the
form to this address. Instead, see Where to
file on this page.
David D. Bue1t
Prothonotary
Office of the Prothonotary
Cum6er[and County, Pennsylvania
7(irkS. Sofionage, ESQ
Solicitor
1/
01a9e CIVIL TERM
ORDER OF TERMINATION OF COURT CASES
AND NOW THIS 28TH DAY OF OCTOBER, 2014, AFTER MAILING NOTICE OF
INTENTION TO PROCEED AND RECEIVING NO RESPONSE -THE ABOVE
CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH
PA R.C.P.230.2.
BY THE COURT,
DAVID D. BUELL
PROTHONOTARY
One Courthouse Square • Suite100 • Carlisle, rFiq • (Phone 717 240-6195 • Eax 717 240-6573