Loading...
HomeMy WebLinkAbout11-1005Richard M. Squire & Associates, LLC By: Richard M. Squire, Esquire M. Troy Freedman, Esquire Andrew P. Sonin, Esquire ID. Nos. 04267 / 85165 / 204500 One Jenkintown Station, Suite 104 115 West Avenue Jenkintown, PA 19046 Telephone: 215-886-8790 Fax: 215-886-8791 Attorneys for Plaintiff CitiMortgage, Inc., V. Kevin F. Cadigan Sandra L. Cadigan 8 East Hunter Road Carlisle, PA 17015, PLAINTIFF, DEFENDANTS. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA DOCKET NO:OZ 11_ b &S Ci jr; l Term CIVIL ACTION MORTGAGE FORECLOSURE COMPLAINT - CIVIL ACTION NOTICE TO DEFEND 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 of relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Lawyer Referral Service Cumberland County Bar Association (?:). ta"7 a?Isctq, ao, 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 and 800-990-9108 AVISO LE HAN DEMANDADO A USTED EN LA CORTE. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objecciones 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 edades u otros derechos importantes para usted. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME O VAYA A LA SIGUIENTE OFICINA. ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO O BAJO COSTO A PERSONAS QUE CUALIFICAN. Lawyer Referral Service Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 and 800-990-9108 Richard M. Squire & Associates, LLC By: Richard M. Squire, Esquire M. Troy Freedman, Esquire Andrew P. Sonin, Esquire ID. Nos. 04267 / 85165 / 204500 One Jenkintown Station, Suite 104 115 West Avenue Jenkintown, PA 19046 Telephone: 215-886-8790 Fax: 215-886-8791 Attorneys for Plaintiff CitiMortgage, Inc., PLAINTIFF, V. Kevin F. Cadigan Sandra L. Cadigan 8 East Hunter Road Carlisle, PA1 17015, DEFENDANTS IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA DOCKET NO: CIVIL ACTION MORTGAGE FORECLOSURE COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, CitiMortgage, Inc., by and through its undersigned attorney brings this action in mortgage foreclosure upon the following cause of action: 1. Plaintiff, CitiMortgage, Inc., is a corporation with its principal place of business at 1000 Technology Dr., O'Fallon, MO 63368-2240. 2. Defendants, Kevin F. Cadigan and Sandra L. Cadigan, are the real owners, mortgagors, and grantees in the last Deed of record to the real property located at 8 East Hunter Road, Carlisle, PA 17015 (hereinafter referred to as "Premises"). Defendants reside at/in the Premises. 3. On 12/14/2007, Defendants made, executed, and delivered a Mortgage for the benefit of Mortgage Electronic Registration Systems, Inc. as Nominee for Philadelphia Financial Mortgage (hereinafter referred to as "Originating Lender") as security for Defendants' payment and other obligations under a promissory note executed by Defendants on the same date in consideration of a loan made to Defendants by the Originating Lender. Said Mortgage is recorded in the Office of the Recorder in and for Cumberland County, as Instrument No. 200746384 and is incorporated herein by reference by virtue of Pa. R.C.P. §1019(g). 4. 5. 6. 7. 8. 9. The Originating Lender assigned the aforesaid Mortgage, promissory note, and indebtedness to Plaintiff by virtue of an Assignment of Mortgage. Plaintiff is, therefore, the present owner of the aforesaid Mortgage and holder of the aforesaid promissory note. The Premises subject to the aforesaid Mortgage is described in Exhibit "A" attached hereto and made a part hereof. The address of the Premises is 8 East Hunter Road, Carlisle, PA 17015. The aforesaid Mortgage is in default because the required monthly payments due under the terms of the aforesaid promissory note and Mortgage have not been made from 07/01/2010 through the present date. By the terms of the aforesaid Mortgage, upon breach and failure to cure said breach after written notice thereof, all sums secured by said Mortgage shall be immediately due and owing. The terms of the aforesaid Mortgage further provide that, in the event of default, Defendants shall be liable for, inter alia, Plaintiff s costs and attorneys' fees. The following amounts are due as of 11-12-10: Principal Accrued Interest through November 12, 2010 Late Charges Corporate Advances Escrow Advances Attorneys' Fees (5% of Principal) $ 223,788.37 $ 4,499.54 $ 3'18.00 $ 67.50 $ 23.69 $ 11,189.42 Total 2 $ 23 9946.52 plus additional pre judgment and post judgment interest at the rate of $27.59 or at the adjusted amount if the interest rate is variable, additional late charges, additional corporate advances, additional escrow advances, and any/all other sums recoverable by Plaintiff under the terms of the aforesaid Mortgage and promissory note. 10. If the Mortgage is reinstated prior to a sheriffs sale, the attorneys' fees set forth in the preceding paragraph may be less than the amount demanded based on work actually performed. The attorneys' fees requested in the preceding paragraph are in conformity with the Mortgage and Pennsylvania law. Plaintiff is entitled to collect attorneys' fees of up to five percent (5%) of the remaining principal balance in the event the Premises is sold to a third party purchaser at sheriffs sale; or, if the complexity of the action requires additional fees, such fees may exceed the amount demanded in the preceding paragraph. 11. Plaintiff is not seeking a judgment on personal liability (or an in personam judgment) against Defendant(s) in this action but reserves the right to bring a separate action to establish that right, if such right exists. If Defendant(s) received a discharge of personal liability in a bankruptcy proceeding, this action is, in no way, an attempt to re-establish the personal liability that was discharged in bankruptcy, but only to foreclosure the Mortgage and sell the Premises pursuant to Pennsylvania law. 12. Plaintiff has demanded the total amount due from Defendants, but Defendants have failed and/or refused to pay the same. 13. Notice of Intention to Foreclose pursuant to 41 P.S. § 403 and Notice pursuant to the Homeowner's Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et sea. (hereinafter collectively referred to as "Act 91 Notice") was mailed to Defendants via simultaneous regular mail postage prepaid and certified mail return receipt requested on 09/28/2010. A true and correct copy of the Act 91 Notice is attached hereto as Exhibit "B" and made a part hereof. 4 WHEREFORE, Plaintiff respectfully requests that judgment in rem be entered in its favor and against Defendants, Kevin F. Cadigan and Sandra L. Cadigan, for foreclosure and sale of the Premises in the amounts due as set forth in Paragraph 9, namely $239,946.52, plus additional pre judgment and post judgment interest at the rate of $27.59 or at the adjusted amount if the interest rate is variable, additional late charges, additional corporate advances, additional escrow advances, any/all other sums recoverable by Plaintiff under the terms of the aforesaid Mortgage and promissory note, and such other relief as this Court deems just and proper. RICHARD M. SQUIRE & ASSOCIATES, LLC By: Richard M. S ire, Esq. (PA I.D.# 04267) M. Troy Free man, Esq. (PA I.D.# 85165) Andrew P. Sonin, Esq. (PA I.D.# 204500) 115 West Avenue, Suite 104 Jenkintown, PA 19046 215-886-8790 215-886-8791 (fax) rsquire@sguire.law.com tfreedman@sguirelaw.com asonin@squirelaw.com Attorneys for Plaintiff Date: December 3, 2010 UNLESS YOU NOTIFY US IN WRITING WITHIN THIRTY (30) DAYS AFTER RECEIPT OF THIS LETTER THAT THE DEBT, OR ANY PART OF IT, IS DISPUTED, WE WILL ASSUME THAT THE DEBT IS VALID. IF YOU DO NOTIFY US OF A DISPUTE, WE WILL OBTAIN VERIFICATION OF THE DEBT AND MAIL IT TO YOU. ALSO UPON YOUR WRITTEN REQUEST WITHIN THIRTY (30) DAYS, WE WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR IF DIFFERENT FROM THE CURRENT CREDITOR. THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Richard M. Squire & Associates, LLC By: Richard M. Squire, Esquire M. Troy Freedman, Esquire Andrew P. Sonin, Esquire ID. Nos. 04267 / 85165 / 204500 One Jenkintown Station, Suite 104 115 West Avenue Jenkintown, PA 19046 Telephone: 215-886-8790 Fax: 215-886-8791 Attorneys for Plaintiff CitiMortgage, Inc., V. Kevin F. Cadigan Sandra L. Cadigan 8 East Hunter Road Carlisle, PA 17015, IN THE COURT OF COMMON PLEAS PLAINTIFF, CUMBERLAND COUNTY, PENNSYLVANIA DOCKET NO:: CIVIL ACTION DEFENDANTS. MORTGAGE FORECLOSURE Derr R. DtWw VERIFICATION [printed name], hereby states that s/he is an employee, agent, and/or representative of Plaintiff, a corporation unless designated otherwise; that s/he is authorized to make this Verification; that s/he has personal knowledge of the facts averred in the foregoing Complaint; and that the statements made in the foregoing Complaint are true and correct to the best of her/his knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Date: Joc*Am/4 13, 2 0 t [signature] Document Control O&W Title: 6 EXHIBIT "A" LEGAL DESCRIPTION 0 0 Exhibit A ALL that certain tract of land with the improvements thereon erected situate in South Middleton Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at a point on the northern side of East Hunter Road on the dividing line between Lot Nos. 15 and 16 on the hereinafter mentioned Plan of Lots; thence by said dividing line, North 4 degrees 44 minutes West 157.91 feet to a point; thence North 85 degrees 16 minutes East 100 feet to a point; thence by the dividing line between Lot Nos. 14 and 15 on said Plan of Lots, South 4 degrees 44 minutes East 157.91 feet to a point on the northern side of East Hunter Road; thence by the northern side of said Road, South 85 degrees 16 minutes West 100 feet to the Place of BEGINNING. BEING Lot No. 15 of Section "M", of the Plan of Lots known as Forge Road Acres, as recorded in the Mee of the Recorder of Deeds for Cumberland County, Pennsylvania, in Plan Book 26, Page 130. BEING improved with a brick and aluminum ranch style dwelling house with attached one car garage known as 8 East Hunter Road. EXHIBIT "B" REPRESENTATION OF PRINTED DOCUMENT 2043.287C? cit'l 7107 8?"1 6540 -D23 -815.2 05,12af 10 62623 00=2 KEVIN F C AVIGAN SANDRA iL CADIGA;•t $ E HUNTER RD CARLISLE PA. 17015-4337 RI_t CttiM!?rtgagvi Loan W: 20CA902870 ACT 91 NOTICE wwa:= Rim ortg a ge : o m TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an :,ffic'at r}O tica that ?hit mortgage vn Qt;r hQMa i5 in d1afault. antl thet lendar fntBP.4vg to fvnw> lcisa. Sl> c!!-:f1c Inferr?afIon aba?rt thA ratwla of tho;:efawlt: is provided. in the attaci-)OI rvageisl The HOMEOWNER'S EMERGENCY MORTGAGE ASGISTANCE PROGRAM (FEMAPj rriay be ably to ho>p to save y-ur h-em- This tiCe mxp,18in2 hi7w the prcgram To sae, If KEMAP can help. Vold gust MEET ` TTH A CONSUMER CREDIT COUINSELING AGENCY WITHiN :3$ GAYS 0P THE DATE OF THIS NOTICE. Take this Nt)tICe w1t<a you 7lrh;n yOUl maat w>tA tl^a Ccur)nalIrg y. The nama, adcrass and phony numar :if L-cr€sr=rrsr Credit Ca€snsal tn;? Agencies sarving your- County argil 1 istea at the ands Of this. Notice. if you have any questions, you may call t.h% Pennsylvania Housing Finance A2gnrzy toil free at 1--800-342-2397. (Pa?`S .n!? with I*raireO hear•irq ocan Call (717)780--18619), This Notice <,ontainS lmp4or Cant laga? Arfarr:<attor. If yGu have any gUagti ;n2, reprefantEt'Ves at the COARL11IND.I^ C. Ptlit C:1€.nsel ir?g Arya1^4_y -may be abbe to h--';p explain it. YDU may also want to Contact an attorney in ya3€:r• area. The local bar a, t3ciati7?n ITray to able to help you€ find a 1awy&r. LA 'SOT€FICACIGN EN AD=lJNTO ES DE S0MA IMP€ORTA'NCIA, PUES AFECTA SU DERECHO A. CO'1TINUAR VI`VIEN- DO EN 3U CASA. Sl -NO CIO)MPRE'itiDE EL •CONTENro-0 DE ESTA NOTIFIC`.AC:ICN Ur3TEN13A UNA TRADUCC:ION IN*.EDrATAME N- TE LLltu:ANDO ESTA AGENCIA (PENNSYLVANIIA 1-104AI-ING FINANCE JMOENCY) SI;<I CAROOS AL NUMER3 ii'3t!ENCIONADO ARA101A. PUEDES SER SLEC18LE 15AR>< UN PRESTa<MO P10R EL PROGRAMA L-AMADO "€iO?:E-3WNER'$ EMERGENCY MORTGAGE .A$$=$TANCE. PROORAM'° EL CURL PLIED[ $A•'_VAR SU CnSA DE LA PERDIGA 3EL DERE':F110 •A REDIMIR SU HIPOTECA. a f,?1;1 fiil iYY; fi ??? 'li i• r€ f,Ii ?•.r3]G•, I F ;1qr hA i IPSS "a!; fi,jrr,• r? Rt?i:i i?? i R'?fa i•Ir2 kb ?•,:J:i?JR. 117[. IS $l ?11:a1 hi:61 •Tj ? Te'F i. r:. ?4 Fi f?:i;]r•, gild ri;i ??i ,? K i4'SIQ r 3 ?? Fe1115rs' PPS SG r l%L! r-x ireI54CAfjiwplrx.°CalNarerarrimiVrtio e-Id21!VJf!?ccf7AffilqLiE•'Vmsu:i1:'i: ciI;IV1•!:'lm;!isaoftCfjIk{tc-Ia .1111irfe.rrr:jt!1rokalffdkyl[:tpwedrir?terXrl'Qc INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT ti Ulu- ig ,),q e 20049 ,2870 ab Yrww.c ft i r. Ortg a 9er o rn Page Two W28,'10 200491) 8 70 HOWE-OW4ER'S NAME(S);; K--v n E {:a igan Sanprs L Cadlpan PROPERTY ADDRE<-S: $ I<aat HW-Ite^ R6$1 Carlisla.PA 17015 LOAN ACCT. NO.: 2.00 49021170 CRIC3INAL _ENDER: Philadelphia Elndnciai ;."artgaUs CURRENT LENDER SERL'IwER: :itsMC,rt-QaQe, Inc. is p..-OvI:irg this notlca a$ lender cr ser',;iCing -agent For the l oncer . 140FAEOWNEReS EMERGENCY MORTGAGE ASSISTAINCE P9013RAM YOU MAY BE ELIGIBLE FOR EINANICIAi A$-ISTANCE lfi•iICH CAN SSAVE YOUR HOME. FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY Ir1I7H 'THE PROVISIONS OF THE 14ONEOWNER' S EMERmItiCY MORTGAGE ASSISTANCE ACT OF 1983 (Ti-i= "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE; V IF YOUR DEFAULT HAS BEEN C_AU-BED BY' CIRCUMSTANCES BEYOND YOUR CL}NBTROL. r IF YOU HAVE A REASONAE_= PgOSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, ALND s IF YOU ;MEET OTHEq E_IGIBILITY REOUIRE MEIvTS• £STABLISHEO BY 'THE PEN3NSYLVAINIA f4 USING FINANCE AdENwY. TEMPORARY STAY OF FORECLOSURE•-Undsr the Act, yob •a•'v entitlerj to a tf?nporacy stay of foraClo%UrLo on y^;,Ir MC1r1tUA_ga for shirty (_40) days, f~I:nri the date Of this. Notica (plus throo (G) dayr, fOr mailing).. During that tJMA your must arrange anO sttand a msatino wv tz^ne of the on$L me: cr€dit yr;Lnsel .r^? agenci>as 1 ;sie0 at the andI of :his, Notice. THIS 4EETING MUST GCCUR WITTiiI'1. TN:RTY-^THREE. ($3) DAYS. OF THE :DATE OF THIS. NOTICE. IF YN)ifl 00 NOT APPLE" EVER EMERGENCY MORTGAGE AS$I$TfiN4::E, YOU MUST BRING YOUR MORTGAGE UP TO DATE. -HE PART OF THIS, i'NOT ICE CALLED "iiOW TO "CURE. YOUR MORTGAGE DE-FikU?-T:',. EXPLAINS €iCFs:'€' TO BRING YOUR MORTGAGE i,P To [LATE. W-T-11 f[%iii;rfr?ar•,hTatimlegma.Ir;;iu,hisrassmfi;irr•ryhim";arFirAhiCifihim,ar'p.Irr..isaiecll;alhrxW-- •.Tj Ip,di" 00.Ar,N-5k7r;akiCkiafki,4vroksigrare-,ki er:'r,'scrritP ?x immiaeJll'StIfjvEIpIm.'Cali'areraidvrily^'f7:metiedarvJC:LQrtvdffjigm4•'.Y SJ:'tl:'L'i!citiki:'r"Clis:II` ftf.fjP*m?IIall:al?tiffe-frattrirobtaiwdtgi;:tpusedtgr'Mcf.PU ?+cy. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT 20049 ,'2870 M i;Mia,I..,":!e Citi ww*.=Rirncrtgage:on- Page 'r-r;- 09128 ;l_3 CONSUMER CREDIT COUNSELING AUENCIES-If y;,,4 moat 'vlftn. one Of the G4gskjmer credit' r.Qmnseling agencl%s 1'$tga at the and at ?h!L notiCe, the lendar bay .11GT take action ajDainst y:sa 'or thirty (aO) cjay?. AfrOr the data of thtn: ':'rleetirr(j. -htt! :nam*s, etddtaSS9v and 17e1e0h.40ne €iiift-ers (if deGiaiar0d consuraa€^ credit counseling agencies; for the county in vet:ich th& property is lccatgct are. set follt€? at the ands of this Notice. It Ira Qtly ne441ussary to $0,?"1Af11.7e onao `aco-tO-faCa rnaotfrig. A40v1-40 your- lender >rYw>~Atliately Of your, titter:?i,?r":5. APPLICATION FOR MORTGAGE .ASS I$TANC E-recur mortgage, !G in dsfaul i, for the raa5ons Set torte 18ter in this N6tirat (see tC'j"j,,):tr.g pdg;,s tar spec1 f .c Inforinat fork F!bCltit r.ne :nature of your cafau , t ) , YotA havo the r;get to apply :Cr rir}anc,al asstst8n?a from tho Ho€treowngr•s 0-rorganCy Mortgage Ass f S tance. P",,sgrnm. To do so. you Must f I l l nut , s?gnl anti fIIQ a ':tMplated. Homecwner's EmrygcnCY ASSfSt2iIC?* ?rrsrflraFrr ApplIcatIon Wv t?1 vne of the aeStgrBtxl : oui5i,mor^ Credit :;t±t;n`oC?l',irs53 i%genCies lister-3 at the and Ot this €Nnrice. Only wrnSUr?ar^ credit Fa4enwi>a-a have applications for the program and they'w1il arsizt yuo in semmlttino a C.-Iroplate appla~ation to the Pesnn$ylvania poo5ing Flnancw Aeenr y . Tp tamryorar i ly Stt.p the 1 Brrglr?^ from f l . l nig a for eClab+?: w " action, your anglication MUST be forwardac ?7 PWFA withtr thirty (80) gays: 0r Y^ur fac,e-to-face meeting wftn tho 47ot€nsel4ing agency YOU SHOULD FILE A KEMAP APPLE-ATION A$ SNIN A$ P0$8:1rBLE . 1F YOU HAVE A MEET It4Cs WITH .Ai COU SELINGi AGENCY WITHIN 83 :DAYS OF 7 HE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA IVITti7t3 3£> f1AYS• CF THAT ":EETI'NOt THEN ';HE LENDER WILL BE TEN'PORARILY PRFVE4.4TED FROM $TRRTING A FORECLOSURE AAKINST YOUR PROPERTY,. A$ EXPLAINED ABO-vZ, IN T€?E SECTION CAL_rD "TEMPORARY STAY OF F0RECL.{7S£.RE1 YOU HAVE THE RI H.T TO FILE A PEMA.P APPLI::AT_TDN EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE : X.&IIDER FROM STARTING A. Fs RECLGSVRE ACTION, BUT y- YOUR APPLICATIGN I$ EVENTUALLY APPROVED AT' ANY' 'TIME BEFORE A SHERIFF'S SALE, 'THE FORECLOSURE WILL:- BE :STOPPED. ACENC.Y AC7'I0N-AVai la'.)19 f£ino for om(3r•gancy mc,.rtgaDa a:Sistarn are very limlta.. They Will De dtAb,Jrsed by the Agen(;y UnCer- the e1101 ' C11it} (^ritOrIA Astab11Shad by the, Act. The Pannsylvanl$ Housing F i nanCe 4jgYrcy has L ?xt y i, GrO) days, to make •a deg, s I c;m after it rec?:;:es Your- app-TliCatiron. During that ttrna, ro fcrrc-clos,ure proceeding w .1 1 to purSuan against y)u If yvu have ITrat . he time requirements Sgt forth apace. You will Ve nCt'ftloo gtraCtTy €ay the P0_n1;syl,eaA1a housing F=ioa":1.:a Agency rif its. der`: o-lon on your 8DOI,,_at I orr. NOTE: IF YOU -ARE CURRENTLY PR0TECTE0 By T14E rte-ING OF A PETITION IN @ANKR£3PTCY, THE FOLL?"',WINO PART 'OF T€':IS NOTICE IS FOR INFGRAMATIO€tl PURPOSES 0:4LY AND SHOULD NOT BE ,".ONS13ERED A$ AN AT'T"T.M.PT T?) COLLECT TKE DEBT. (If VY have fI l Od na€3kl'c.pteY YOU man Still apply for Emer,gs3nCY mor tgage Fiss f e t ante. i rtlCti?nr€r?ar, ?•rtf#i:?rale•Ir;dr,?YtFare9581sri;icr,rykti:?r,•agr.r:+IkiC.irk4?::;pry.kr,isaiall;alhpX!TjkrPr,,^.ri•krir:igrsa?iG;ii,li.;pik5Kraa:e1115rPrgr,•aCIY'tiP :? Iril?Shc:?I??IJfJaifl:.°1?i5'd'B[a!1'?l?'?I€Y?II:`E?GIf??.71rt?.r?rJ€??I??Lii!•'.Y3?SJfJ'L'4.;1[!iYt7:'l?IQ4t5?G4tYt4llFr?GI?I1L`-?I?'?ItiQrr6lE?J:'OLY?IlfdNli;•'1dL?52?1rryr'.:'k{.ael'G+Qcr, INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT Page ?"L-ur 200454028 70 20049.2870 ti YlYf11:: Ir I:T. C•!'{33'x@ r •].T: HOW TO CURE YOUR MORTGAGE DEFAULT (B~ 1 ng it ikip to data). NATURE OF TKE DEFAULT-The MORTGAGE debt t?elij Dy the a6oVQ 12nder on jitNr r' p!loporty 1`catsd at: e Eaat HLJ:'itEr RY2ad, t -Carl iyle.. PA 1:7015 IS $ERWRALY IN DEFAULT b0Ca: AQ YOU HAVE. NOT MADE MONTHLY Vr!ORTGAi:E PAYMENTS for the f0110WIng MOnth9 and the fat loWing a;r:cunts are row past 006! 07/01./10 thrU £391031/10 1 0 $l,$ °.85/riontn .3 a $47.25/late cE^arge/month $4,x09.30 Previcw5 late cnarge(S) S14?.75'-' L'el inquenc;y Etc r§"5 t?S(L) $54. 00 TOTAL AMOUNT PAST DUE: $4,504.05 HOW TO CURE THE DEFAOLT-'You may wUre the aefaUit -Within THIRTY (30) DAYS Of Tho dAte Of this :entice BY PAYING THE TOTAL AMOUNT PAST DUE To THE LENDER, WHICH I5 $4,504,05, PLSJS ANY MORTGAGE PAY IEN-r$,. LATE CHARGES AND DEL I4QUEitiI'.',Y' EXPENSES 'WHICH BECOME DUE DURING THE 'THIR7Y (3O) DAY PERIOD. Payments must r)A: Inade eitnor by' w:ashier'S Check, cart `: f irad ch e--k rrr mar£-y rr!ZjQr made payat: ?e and Sent to: CitlwortgAge, InC. P.C. SOX 689198 DM.S -Molgn5, & 50aGS--0-196 . IF YOU 0i) NOT CURE THE GE=FtAUL<-'fit 'yUU da 110t Cure th(b ClrtaUlt witt^tr. TKTRTY i•3O) DAYS Of Th&D rate of ?hils 01.1CO, tha lender intonds to vxerr i ae its r ioni:9 to aCC&IePa to the m!^rtoage Oeb t . This rnvan5 that the ant ire aUtstanninp balanoa of this dobt will )& t onSiacrad dUfs tnvn dlately and you may iaae the. Chant ;c to ;aay that mortuege in m:)r.t'?)ly 1r;atal'slTrentC1, tU€1 p. aymant of t h a tcta> anlcxx nt' fast dint 1S no,t mado wttnin THTRTY (30) DAYS, that lender 41,%r,3 inte.. ds to 111stru;t its at to rnoy$ to start 13ga'• ac tit'r. to forcac_loSa „rpon yuvr mortgage : propalrty IF 7HE MORTG0.zE IS FOR[CLEDISEG UPON--The mortgagoo pr iparty will L)L* sold t:y tho Sbar•lft t.c.4 p4y Off tha mortgage dabt. If the lender flefe S your case to its attorneya, Gut yukA Ct;re that do1tnquency nof(ire the lender Ioegin, legal prOceed-Ings aga1n,r yu4'. yo" will Rill GE, requ;rad to pay the ?-Qasonaole attonney's f eS thflt Ware aCtUally inc'jrlred, up to $'=4.00. Hrwever. If 1;'.ga' €3CGCa3>I1ri?S •ana Ste6rteas ?. ??°k1C€,iiri.•rrr?ar.,? „rfti,=,gaIF.I? ir,•,=h?i r?Matsf,;art,nkt,:tr,•ar€r.?r:?tlCirkba.?t?e.ltr..isa?i<p.allr,:?=:?1??;,r,.r,?t, rs:;x,a?ifrloll;ICi45?r3r?:et115rP?P?sCPl€iP ;ter rmii.i4 ?igrriuplrx.ICAN'arewrlmilynDafe.ied3tlvJmrtvdffjigLaI?v-mJrare,"Ihltrjfl tn,4lc]?4LY.0.9?l•I?I7L?1?/If/Crrbl•.0:'OLY?IfF?1lp1?€YdL4k?JfOf•'.:'F{?el:'GQS INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT 20043,'2870 C ltl wwh':_ it i T ortg a ge.c J T Palo Fiv?-, 099 28 0 20049t _- 70 aga1nst yUV, yuu w Ill have to, i?ar- a--.I raasona..le attornoy'r. to-aa aCtual ly 1ncurre3 t.y the la n(3er grra?n 1f they exceed? $50.00. Any attorney's ferry will oa3 aanderi to the amC?Unt yc;.a ;:rx:rr the lander, mt,..fimn isaV a sa InCljClssa ntt?er~ reasonat21e 0?oltA. If ywul Gunn the default Wftnin tho THIRTY (30) DAY' porioc, you will not I)& requira ci to ;day attorney's fees. CTiiLR LENDER RZMEGIES--The la n"11 T, may alsCl sue 'yLU person4l ly for the unpa ld :0r`•r'C!VTTkl balance •a3nd all Ot-I'Mr SUNS due Unoarl the nrw tgage. R101il' TO CURE THE GEFAVLT PRI#lra =oo $€iERIEF °S SALE- If YOU have r3a`.: 4curtad the QQt`&u s t WIMAIrt the THIRTY 00) GAY' pariod And forlec losure p?^?>c ea r! i:SgS• havQ begin, yo%A still have the r igtNtt to i ure the mj0iau € t and prevent the: 5a ke at any time ;gyp to one I ,-ur before the Sheriff's Sale. 'You may day uQ Dy paying the total amount- the: pa$t OU&, pltra any late on ether' cttanrries than duo, reasonable, 8t tor°ney? $ fees aries costs conn€Cted witn tha foreclosure $41-_ and any aftnet, c..;Zfts connected wttn £hs •Shvr'iffOs Sala as SoocifioA in Writing by the CUr1n your -defA,U1t in then manner set forte; in this nt9t CO will reat ,re ywur, mortgago to the wane positior, .45 If yt::u had rl-Dvfr 0fau . tec. EARLIEST POSSIBLE $€iERITF'`S SALE DATE-'It IS aasttsesateCt that that esrliftSt date that such a Shariff`,_- Sala of the Mortgaged p?,oparty could be nald WoUlc ha3: approximately six (6) months from tha (late of this NotiCe. A notics of tho aCtUal dater of the Snerlff's Sale will 106 Sa3rit to yvul na3>'ara the $310. Of' wvurso, the armoLm :nF3o.;e?' to Cur'w the Oefau't wall increase *no longar yotj wait, Yeu may lnd out at any time axactly what the reauirad paymant or action wall tie by contacting then lancer. HOW TO CONTACT THE I_ENIDER, Name of A4C!ra3s& c: Phony Nutrma r : F8K. NUMSr, Con t. ac^t RYr avr? Email Adores5:: CitiMOrtgage. Inc7. 1000 T?-_hnQllogy Drive €]'Fal.Cn. MLCY 6331533^2240 1,800-723^7WOe 1-636-25'1 Adam Saab ryen.?;l l izaror_i t1.Crm ter,:ter,tissarr?ar, x".r•.kkiaga7e.ar;:ir,•,:rairessaasCa:irr,•rskti:ira?rar:+Ik1 .irkb:: a .lrr.isai?la;altr,:5cypra:„ra.h fs:a:7r,n?ifgin?l,?rrl+si?raPrR1 dsc iu' :mar armmofQlgiwpIm.°CANwerarrk-flymDate- ssda!dmc-rddrfA'4%E"Yims!imm;.CtiNt3%9?;saC-04fJ?fit?r•IaaVaavf10c. et! roftEifedw€l;tpwedrgrt!Yftarps INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT 2004902870 Mi',tsr' : :Firs Citi www.c itimortgage:•3m page 5 f X. QW 2ti; iii EFFECT O .SHERIFF'S SALE--You should realize that •a Snarl-r'& Sale will end your ownership of the motItUage; propQrrty A-nd your rtgn. t to It. If y:;,, cont;o!ue to live In the rreperty at,rr trig .shPriff'S Sala, d le1wguir to rtLT„^,ve Ywt,9 and yot;r fiolnishlr.f}S and x>thfir 1?,Olcargimejs could teo gta4rted by the Ifmder It dry tllre. ASSUMPTION OF M0RTGAG=--P3eFsa ret'or too your original loan do[4trp_ntS L0? detArrafna wnotnar or not yow tray gall Or t!'an.Sf6: Y'OUr home to a huys;- cr t1ranC''£rao wh7, will asst) rw that mortgage do.-,t, pr+'Weidad that all, ?ha eL7tStanoing payments,. c.'iarg-,)5 anal at torneyrs fa ar. tncj <_,osts are C.011 prior" to or at the salmi and tha* tho OtNOr r equiramonts of the fnor toaoe a ^u sa* 1 St l oO. 'Y;.:a mrY also gall tho . -Mj NLATOArr above to f s riff jt1 t W?14r t Z)t4r• VtV.r• 1 c38:] 1 g as Sjmafr ? . YOU WAY A;_$Q :HAVE TPE RI6:1T: V TD SELL TKE PROPERTY TO OBTAIN V1.0NEY TD PAY' CIFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. >s) HAVE: 7htla", DEFAVLi _t~UR 0,43Y ANY' THIRD. , PARTY. ACTING- ON YOUR BEHALF. >.. r TO? HAVE. TIDE MORTGAGE RESTORED TO TKE SAAME POSITION AS IF NO DEFAULT HAD OCCURRED, Is YOU1 CURE THE DEFAULT. (HOMI'E'vER,, YOU DO NOT HAVE. THIS RIGHT TO CUR= YOUR DEFAULT METRE THAN 'THREE TIMES IN ANY 'CALENDAR YEAR.) V TEl ASSERT THE NON- F"XI$TENCE ;F A DEFAULT IN ANY' 1^O'REC'_OSQRE PROCEEDINI OP OR. IANY' CTHER LAISSUITT I:ti$TITUTED UNDER 7'HE MORTGAGE DOCUMEN7S . A; TED ASSERT ANY OTHER DEFENSE '?CU BELIEVE YCIU MAY HAVE TO SOCH sA::TIrw BY THE :LENDER. V TO $EEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW, Err01cs5Ure: Con surm-w Croalt- CnUnSel 10.0 Age-Vciea, tr?? l•,t;..r?? tt;o?se f04' your CQe my . :009280000$988 CO. rA1QiW;rtWr., im t"mKi zgwp.lr::Bus hays rpssias fl;irr•ry kii:tr,•ar lr: Vki tir kim, ,pqc. Irr..isaigI;al ts,:S :Tj {2? ? F "M.Ai f)Fil;]r; i:7l fl,ienl.srr Nmisrarp r?tlisrpTpr,•serl ce r ??I7JJQ lrli. 'l?l$ are . ra.rdl:. !rD :'E.elf1 tlr _ l.r?d r41 r ?eLE7.Y mum _Jr? FL'? •.R!IYY! !1?15• ?•t ! : ? l;_LY :? lI1F..?tl.. 1_,r Iril lii _ d l't.I 7 1'7ll?/ 7 r3!T1 .. o :'701 aI3L`•aI?j i.riCr!•'PfIE? r :' 9LYEI fed r WIl€ ?Y•1 L51?r1 t4f ',!y, 7Fr:u INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT 20049 02870 it; W-brIg C I t ik' 7107 8$51 6540 .0-023 $150 G9/2a/ io 52$22 OG02W KEVIN i- CADIGAN SANDRA CADIGAN 8 BAST HUNTER ROAD CARLISLE Pik 1701T. 7; RE t C > t iM?tr t?iv3G7 Lean W : 20CA902870 ACT 91 NOTICE rrww.c it i r. c.rtg a ge c •a rr TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE aiW 1i7?'AMriti.aiir;ti?z.'r They is an f1c!ah: nit=e £hat that mortgage vn yQt;r home i$ in default. anti the lendar fntgnCls to for€3c!U$B. Us c4lflr- infern.aM lon a?out tha irat re cf the 4efawlt: is P,ov.1.0-a in tha atta4'')eC€ iag2S. Theo HOMEOWNER'S 'EMERGENCY M ORTO&GE ASSISTANCE PROGRAM 11€-*EMAP1 mety b@ a610e too help to SaVe vot4r ?rr3. This No`-iC9 mxp,>ain5 how the Drrgrwn wor`.?c$. To sae if HEM AP can help. V/Y mus? MEET WITH A CONSiI R CREDIT COUNSELING AGENCY WITHAt :33 GAYS OF THE DATE OF TF!iS• NOTICE. Take thJ% Notice wittl yoU wh;n yoki moet •w1fli thB ."c;LnrBl.r^? .Ay?wi?Gy. Theo nairae, ad :rsss and PhI04iA nUMAC c,f COngt!rPAr Credit Agencies serving your- County ara lifrt*a at the end of'thig. Notice. If your have any gUa&t trnr, you rnaY -all the Pennsylvania Hotising Fr inance AZej,jr,,y to:l f?119Q at 1--800-342-2597. (Parsnns will% i?i.?airecl hearing $0511) Call (717;760--18619), This, Notice contains important lagsl ir>forr<atior:, ;t you have any gUegti,ns, repraF-entEt4V4aA at the Consunwo-w CriZpa tt .r.nse7.r .Ag?ir^?^y ma•r" be able tt3 help replan- it. Yoke may also want to Con=art an attorney in ytmjr• area. The, 1o0,&1 loan aS%6ejatIon j":ay t.& auTe to help. you find a lawyer. LA 'SOT€FICAC:ION EN ADJ?UNTO ES DE SOMA IMPORTANCIA, PUSS Au=ECTA SU DER=•C€ O A. CONI TINLIAR VIVIENDO EM SU CASA. S' L40 CO€14PRENME EL •CONTENMO DE ES'<•A NOTIEICAC:IVIN 08TENDA UNA TRADUCCION4 Ittin"ED:ATAMENTE LLAt:':ANDO EST % ZENCIA (PENNSYLVANZA HOUSING FINANCE .AIGENCY) Sl:til CARCic-S AL NUME20 MENCIONA' DO ARAIBA. PUEDES --,ER rLEGIc3LE P'ARA UN PRESTAM?i0 MR EL PROGRAMA L_AMADO "€110101 OWNER'S EMERGENCY MORTGAGE ASSISTANCE PROEORAMSO EL CUAL PUEDE: 8A!-',I4rq SU CASA DE LA. PERDICA DEL DERECHO .A REDtI€11IR SU HIPOTECA. / $.011 r,ii*;rtg?gq.;-i%'fili -zq%kjr:•Ir:ciusrxisrpssmF:-'d rr:rpkii:Egan!;ir.wkcir:kbF:prp..lrr..isai?r;aljri:s:qli'rasir•A:iripaliC:iaxi4rr''S?f3Feret115rtiedicr:P IrL a t to r rx r r lt c _H I:.I ?IrE1QIIX. I' °aI are r .8r .rk:w Ily r.n 'rIE1a!x1.--c. dfralglsF•'.Y c _J:':'CW ?. IriiY?a:'I IQ?ca OR C1i1F?C•1I 13L`.?I?YIl?I'•r61E4:'9LYJI!er?kVIIE•'1wedror•'.!Er Pur?ti+iQ• INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT Page TwQ 09128;10 2004ifi )18 70 HEOMEEOWNER'S NAMES):; K5vin F Ca.igan anars L Cadigar, PROPERTY ADDRESS : $ E-02 t L4nter R40sd 20049 ;'28701 C I t ir, www.: iti:rartgagecam Lar;lsls.PA 170!-c LOAN ACCT. NO.: 20 4902870 CrZsiItJAL '•_=tiE7Ef2: Ph1 1aC,s1 E^<>8 Flrtdncia.i .¦0rtgaos CURRENT LENDER SERVI."`.ER; Clif:Mts:'!"9$gs, Inc. is F.0Vldfr>g thi-*, n tit_a dS le0der° _cr 55rviCing •agsrtt foir the lenner, EdOELIiE-OWNER'S EMERGENCY MORTCAGE .AS$I$>A':4::E PROGRAM YOU NIAf BE ELIs%I6LE FOR FINIAINC_IAL ASSISTANCE WHICH CAN '-^IAY>= YOUR HL}ME. FROM FORECLOSURE AND HIELP YOV MAKE FUTURE MORTGAGE PAYMENTS. IF YO;) COMPLY WITH 'THEE PROVISION$ OF 'THEE I;OMEOWNIER'5 EMERGENCY MORTGAGE ASSISTANCE ACT OF 196- (THE ',ACT,') , YOU MAY BE E_IGISLE FOR EMERGENCY MORTGAGE .ASSiSTAfYCE: IM. YOUR DEFAULT HAS BEEN CAA ED BY'. CIRCUMSTANCl S BEYOND, 0UR ROL. V IF YOU HAVE A REASONAE'•_=• PROSPECT x0 BEING ABLE 70 PAY YOUR MORTGAGE PAYMENTS, ANIJ V YOUl MEET OTHEq ELIGIBILITY REOUIR%MEhTS• ESTA?RLISHE3 BY 'THEE PENNSYLVANIA HOUSING =TNANCE AGE':aC . TEMPORARY STAY OF FORECLOSURE.-Under, the Act, yokk -era enritleo to a t6inpcirety stay of foraclosur•!!?, srn y.-ur MClrtgage fon iEl;rty (80) day„ rrcnn the date tft this NQt1'.e (plus tr:rL40 (G) days ff)r• 'nailing).. During that time you mU$t ar•ret-100 ar)d attencs a "t?CR-4G?faL`e" meeting w1tes ,ne of the ebnSLrrrMe.- C„?..t CoUnSa1-1.nq AgenGtss 1>SteCI at t. he ainC1 ^f thi% Notice. THIS. MEETING MUST OCCUR WlTialIU THIRTY-•THRE=. ($;3) DAYS. OF THE :SATE Of THIS. 'RIOT ICE . €F YO;,ia Do wor APPLV FOR EMEROEh'CY MORTGAGE ASSI$ T ANC'E , YOV MUST BRING OUR MORTGAGE UP TOt DATE;. THE PART OF THIS :'NOT ICE s.ALLE€? °1iiOW TO CUBE. YOUR MORTGAGE DEFAULT °' ,. EXPLAINS, HOW' TO BRING Y(:Uq MORTGAGE UP TO DATE, l ?.f••ilf,€tii?igrt?ar•,;? t.rkla;a:7a.?r: ;ir,•,;h?? rass?fiilrr,ry kiisl;air:'Ik1:".irkk,:;?rJC.lrr..i5a??T;alter,:si?k+,r'•,:,,ri•k:rf?;7r•,a?ifitia?.i,irr.;psi;ra??:?tlin?r?r,•scrr€ca iy?x a'c o rr• o r r r r iq ire i5dl'?i?if.uplnr.°l'alN arararrlemdy , ?n'E!Clerla!rJrxt:r?k?ifr?IgisE?v?s?r?s??.CitikY,st?g.? ?oLYai red wi?Spu?rJr,r?tt#N:Fr_:. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT :.i'?? •' C'o,l www.= itircrtga ges or page Li9J2ki,•'>t3 2004540 _8 70, CONSiiOREErZ CREDIT COONSELINOt AUENCIES-If yu4 moot Wtt't wne of the con5v er cradit' counsv11ng agengIMs 1 f S t W at the ana ar this notice, the lender may NOT take action against ya..trla for thirty (aaI :ays. AfTWI the gate (if' this, rnwetirtg. -h- ana+ttra, 4ddr1aS$0S and teler?hc 9 ri.,r k+s'`r, of designated consumer credit counselling agencieo for the county in whiuh the property i5 located are. get forlt€? A-t that and of this NotiCa. It is rrly net„E3rtssari to SaAAChITe ona faC.t?-to-faca MAOtfng. A4v1g0 your- 1Pa der 1"vediately of yoUr intenti;Alrh, APPL ICATIO.4 FOR MORT-GA0E .ASS I$TANCE.-Your mortgage i5 in llsfau l i, for that POASon5 $at tsrtrr 18tan in thiS Notices (see fol'j()W!r.g paw,-.5 for s€ sic i f :C Inforrnai 1Cant &IXtit thH ariature Of your suafau ? t) . You ha,.--- the r3pnt to a.ply -*r ?trianCial ASStstant-a from the Hoftwolownsr•s °,-tr,argancy Mortgage Asfif%tanCe P^ogrnm. T,a dot so. you rnLlst f1II cut, s wl ano fila a :Conrplatexd Kor'eowner'y EmargenCy ASS':Stani:Ce• Pvlcgram App I:cat1on viit?7 one (if' that deSir3?8teC1 wcsr<st:r.:ar credit :wruns;elirsga agenrie$ listen at that send at this INOtica. Only _,0nSt:rr;-_r credit c,?;nsa1`ng BS?enwi>?s :- hays apnli:^ations for the program and tney will asn.lat yoo in Sa:0m1ttiT)D a •a:•orrrplate apil-Cation to the Pernaylvanta Pouring Flrtancm kgrt;;,y. ;.,. Tom.,, terr.ar •, the 1arrgirt` ;7 T .?m f ;:1n a_ fari a?ts?ltlY,<u; r at_tlon, VUkjr, anplir.ari?3n MUST be forwardea to P'FAr within thirty (310) days of y^ur fdT^tfaze meeting 41ft'1 the ?7.ounls ng agency. YOU SHOULD FILE A HEMAP APPLICATION) A$ SOON AS POSSIBLE. 1F YOU HAVE A MEETING Wl?N .A COUNSELING AGENCY WITHIN 33 DAYS OF HE POSTMARK DATE OF 7HIS NOTICE AND FILE AN APPLICATION W17-H PHFA WITHIN 10o C-F THAT MEETING, THEN 'THE LENDER WILL BE TE >PORARILY P'REVE14TED FROM $TARTING A FORECLOSURE AGAINST YOUR PROPERTY,. A$ EXPLAINED ABOVE, IN TF?E SECTION, CAL`-ED "TEMPORARY STAY iF FDR£CLOSURE" . %-U HAVE THE RI yF;T TO FILE A F?EN€AP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE __IN.DER FROM STARTING A. ORECLOSVRE ACTION, BUT IF YOUR APPLICATIGIxI I$ EVENTUA> LY APPROVED AT ANY' 'TIME SEFQRE A SH=RIiFFIS SFiL=, 'THE FORECLGS'LRE WTLL BE :STOPPED. AGENCY ACTION-AVi4l lal? 10 ft;?"vIS for tar nUenCyy hiC'rtga;a(#H aSSiStar nCA are tiBry 1 iirr4ltA,1j. They rYi,1 Ike diSbUrsad by that AganCy UnCafl the 0110ibi l i t} rri terra AStablishad by the Ant, The PannsylvarN.;a F€t9t.Sing Finance Agmrcy etas P i x t i (60) days, to snake •a dsgt! ; s 1 or•r of t?ar It rev:-.;:f;5 your- app? iCat iraa . During that t ;one, no foro-Clo tire't proceeding w01 be pursued against: yt)U If yc)U have stoat the time requlremants sot tortrl a",/&. 'Y,-u will to not'`€`lori Olnact7y ;:[)y the POW)zylvania Fibusing Finance AganCy ^f 1tS. -0acfSlon on 'your, apg l i ca t i oft. NOTE: IF YOU .ARE CURRENTLY PROTECTED B THE FILI1*6 OF A PETIT_TON1 IN BANKRUPTCY, THE FO'•-L?%WTNO PART 3Q= THIS NOTICE IS FOR T€3FOR",!ATIO'Sj PURPOSES OILY AND SKO"ULD INOT BE CONSIDERED A$ AN ATTEVPT TOF C01LECT THE DEBT. (if V U have filed bankFUPtCV YOU can Still Apply for Errrpr•genCy Mortgage ASS f S t ance . T 1 aE?.rtlCltiitirrt3r,?.xirkti,:ra7c•Ir;:ir,•,=has rassmr,I;irr,•rphktr,•ar?IrX61CitkbF:a(p..hr..ismiqualM,:?Isrimier,.r•Arcrs:is7r,a?ira;io?i,saitisi;rar?r,tlisr?r?r,'serrc? ?r tr?atsdltiltlapltx.°l'alarerarrir+gtly?n:t!r•toga!r1rXrr?.Mrvagtt€'.YSJr?r1?.CitiMY?rr,g?is??slYt?t!rtatat?yirfcrrrtil:rjrolt?ire?Jrvil€?rrpttTIOs;? 20049 ,2870 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT Page Four 09128; 10 ?Gf?43 ,•2t";7fI C t -'i trww.c di:rartgage cam . HOW TO CURE YOUR MORTOAGE DEFAULT (Bring It :up to da t e) . NATURE OF THE DEFAULT-The *ORTGAaE debt t!eld by thel above lender rn ytN3 r- property IOCatad at: $ EBat Unter Road,, Carlisle,. PA. 17015 IS SERrOUSLY IN DEFAULT r39Cajsaz YOU HAVE NOT MADE MONTHLY VIORTGAi-&E PAY44ENTS ?c;r tag fallowing months and the folloWfng a°rcunts are mow pact aue: 07/0100 thru 0210V10 a a $1,886. 35/ iantn ?3 ? $47.2f5?'lat9 cr:2r?ra!mc?ntn ;4,309.3CI Previaw5 late cnarrga(t) $14?.75- Del iriquencV Expanses(s) $54.00 TOTAL AMOUNT PAST DUE! $4,504.05 HOW TO CURE THE DEFAOLT-•YOU mpy Curry the aet_AU?t Within 'HIR;Y (30) DAYS. of that date of this :notice BY PAY1NO TF;E TOTAL. AMOUNT PAST DUE TO THE LENDER, WHICH IS $4,504.05„ PLJ$ ALNY MORTGAGE PAY VENTS,. LATE CHARGES AND DELINQUEN" EXPENSES 'WHICH .BEC:IME DUE, DURING TWF, '-hfIRiY (80) DAY' PERIOD. Paymaar:ts MUSt . ON: vnAdo eitnarr• fly' cashier's chrsCk, ceurtlfleil t.herk cr wn,,3r.jF;j+ :.rCler niscle payat-la and s=ent to: C.tiMo1tgag8, In4. P.0". Sox &89196 Dms -Mo1q. n5, IA, 50aG8-._0196 IF YOU 00 NOT CURE THE L••EFAJL -Irt 'yUU dta 11Ci t cure t.ho diCf$U7t ajtrfr, TKTRTY (350 DAYS. of the dAtS of this :'Notice, than lender Intrands to q;xerri*v its rigr.ta to aCCe'er$te the &l ,rtop,ge :*b£. This rnean5 that the P?ntiro OVt.Stanairig balginoe of this dA;t will ?e =an i;.ereq d4aa wwn.acliately ands you may :ose they ChaniCe to :Pay th€l mortgage in monthly 1rot;aITATIAnts. If tUll P-ayM.A.rt k0t the trtal amcmint past dueN is ?c3t -InadQr wi tnin THIRTY (30) DAYS, thel lender intend, to Vitt r3ct its attorneys to start lwal action to foroc_lose upon Your vortgaged proparty . IF THE '•"n;RTGA.OE IS FOREC: DSEG UPON--The MOrtgagoo pr^perty 5=11 0A sold tV ..he Sheriff tra Pe.y' Off r.hvb mortgare da.-It. If *.no lender refer-S your i:ase to its attonnaay,, Gut y;,0 Ct;r_- tha do1fnquency no fora t he lender DeginS 13gd1 proceedings againSr yuv, yW.w will st111 be required to Pay the ^a3aS6naolt 4tt0?1ney1S fee% that were aCtUally i nc.jrraad , up to *50.00. Huwever. , if 1 ug a l ?SrCCeecl in?S -era st a to s af,?tlCtii?rrrar.,? i.r€kkirr;]c.lr; :ir•,Yhrs IPSS"alrfidrr,.ri6ki:?r,•ar?r•.r:?IkitirRtir;:?r?C.hr..isrsn??;alM:s?{tr,.=,.r€•,4:? f?:l7r•,a?ifai??i,irr.;ksir,•rar?:ctlisr?r?r,'scMie i-+r Ireasrj 1filfupIlL.°lal$we wdomlymorrtGlefla!YlM.rtV'ffjIqmh&SWa:'L'SCItikkjrV9AQ4lsa&Refil r? I.zMaiTelffe-wee r9LtaifrtlwilEpuveltorrpurFmc INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT 2GQ4 ? ,2 ? 70 Cit'l www.: d i:rortgage : orr: Page Five 09128 0 agAinst y;,v, you w l1 have to pay a'sl reasonanis attorneys fear actually innurrea Cy the lancer ev?.n if they exceec V5.0.00. Any at toraney+s toes will oaa aedea to the amount yc;;3 Qw& the laan;er, wnicn i%ay a;sa iticlata nthap reasonable ,Costs. If yD;A Cttr•u the 00fault witnin tho TMTRTY (310) DAY' paai l6c, you will not ti& required to Jay at torney+s fees. OTHER LENDER REW-GIES--The larlde?, rn4yr a1ST. sue -yLu personally f ;r the c.npaid :PPjncieal nalaree -and a? i atrtcar suTs clues unoer• the, rmx1tgAQe. RIOMT Trr CURE 7HE GEFAVLT PRIC?i T SHERIFF IS SALE-if you haviv c€:rad the CafaWt Withiri the TKIRTY (301 DAY' psrrlat1. and f,?ra?:'IC.si.re p?,oca;QdiAgg. haves toojh= you Still naLe the right to cure thco ado,! auif and prevant the sa's4 at any t1M& VP to one nour tefCY'R the Sher, !ff's Sale. 'You riay dcn !so oy paying theses total amount then paSt Cue, 01tis Bang late or aM.at• changes then duo, reasonabla att.vr.ayt$ fees &ncl Costs connected 4Jitn the forec1C)sL.re Soil-- and any cFtner cl k-ts connected wttty the •S'ier'iff's Salsa .0.?j GOOCi`: i?? in writing Lzy the 4Urih yo r :: faUit in ther r?anrer bet fora; ii this. notlCe w=11 r reatare ;ia l" a?1;lrtt?ago.. to the wino position •as.,1 f ?y?u paa, n0rfr ?M .s?f au ! tec . EARLIE$T POSSIBLE SHERIFF'--- SALE -DAT=••It ;S aaSttinatea that the aariiast abate that Such a Sheriff'% }ale of tno rnortgaoed p?,orkorty could tie nald wcu;e Lea: apprcxiMately six (6) rnonths from the (late of this, NotiCe. A arlt.a3tica at th# a4t?tfUal data of the SnerIff's Salo will pe -,ant zck you nsfarca the Sa!O. QF cour6a, ino anio;?ant na eaear to Curt thel 0,i6fau"•t Wf ll it?Crea&e• ?he lczrgar ya.•v wait. Yot4 may < 1nd :hut at any ti M. axaetly what the rlaauirad sIayanaant gr action w:ll lie zy contaCtinga the lancer. HOW Tii CONTACT THE '•-ENDER. Namo c:f _aric:er Pton_- Numar: ^a ic. Nui!'a1[18r : Car t. ac^t Per svn E'iai 1 Adaras Cititanrtgage. Inc. 1000 Tochanoi oQY Drive €!' Fal <t,n. MLC 633bS-21443 i - 6430- 723-7 WUC 1-1536-215'1 -7'T 16 Adam Saab ryan.n11 iaror- i t i.CW f r,_xi ,,i?l rs-a?, ix iriki??,r1F. l r:ir,•?Y Fii r:,ss fi;irr•ri k?,:,ra?r ir. Vk1 ilrkt+:.r. kr. is ai?I;al M,: Yj I? rPr ir€,?: Fi ry,:icJr, F. Ti f,KI e71 4 P i4 5 r 3rp Set115t:'rp?SC I'riie :ter IRIS+1Ala?I+?I?J?Ir.°L'?I'a'erarrk??Ily*p:'E?l•Ifd?!1Jfx?=lt7BdfA+?liE•'.Y><SJ:'u:'L' CI[ikil:'l+aQ4t5Jl`•4LY?lIFS?11?13L`?R/IflCrrFfla7:'9LYitl!FdW1iiL5l?Jrrlr'.!F3+?rJiru. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT 20049Q2870 CITI wwx:_ kir.c•rtgager_am. Paged St. X. 20049-i1 87€) EFFECT €7,= .SHERTFFrS SALE-YOU should rrvalize that •a Snariff's Sale w':11 sand your ^wrership of the mortgaged property and •ygiUr rl QQnt to o:-t.Upy It. If yc;a continue to live in the property after tho •Sherittls Sale, a laW&Uir to r;LT;cye Y•.'`+:a and yot;r furnishings, =anc) ot'nor r3glongings could be started by' the 1o!nder At an ci°re. A$8UMPTION OF MORTGAGE--Pleasga rofrar to your or1v':r,ali lean dociJ.rontS tck rletarrafne wnetnaer or not yow may sail - r 1: 3n5fOr yOUP home to a boye- or transferee why, wi71 assoine the mortgage ds^t, plrcVie38d that al: thA er_;tStanding payinont5.. c.hargn5 and attbrneyrs foes and posts are raid pri,r" to or at the Sala and that the of lar -00.01ralMOnts of thei mortGA0 a:- d*-1?t'1E30. YC:€ may, also i:a l the Nijly%b&r- above to fit:d ,Ut W."tnL4r your loan 1q assLjn,able. 'YOU WAY ALSO 1AVE THE R=GYIT: V TtOP SELL THE PROPERTY TO OBTAIN MONEY Tit PAY' r1FF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEE'rl. + TO HAVE. TH14 DEFAULT Ci:RED BY AMY' THIRD PARTY ACTNQ ON YOUR BEHALF., <:. It 70j HAVE. THE VOR76AisE RESTORED TO THE SAME POSFT1O04 AS IF NO DEFAULT HAD OCCURRED, T;= YC-U CUR. THE DEFAULT. (HOMI"£VERr, YOtr 00 NOT I-IAVE. Tr3IS• RIGHT TO CURE YOUR DEFAULT MORE THAN 'THREE TIMES IN ANY OALENDAR YEAR. ) '; TD ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY' OREC'•_OSfiRE PRO::EEDIAIar OR. ANY' CTH'ER LAWSUIT IN1'i.STITOTED UNDER 7ME MORT13AGE DOCUMENTS. TD ASSERT ANY OTHER DEFENSE YCUI BELIEVE YCUI MAY HAVE TO Svcii A;::TI(im BY' THE _ENDER. V TO SEEK PROTECTION UNIDER >HE FEDERAL BANKRUPTCY LAW. ErvlouUre. Consurro- r;.f'00it' COun!?61410.2 Ariev i ;u, inclu.4.4og tt,.oia for yQt;r COeAtY. 30092800004428 i P.rA1 citiw;•rt?arf. l 4r rid ,1iEgj .?G. l r dr.: has rass m r isirr•ry kt,:tyarc lr:.4ki th.-.61,: p(p.. k r. is a??p;al tmli r lpr, : ,r€.,i :, r?,l?lr; ail fki bad! .fir %,sirjr 3 rP r.\115rP?Pr•'St ly€CP CA r r r r r u irwi.c -dC:.ieilr?ipIrl.,caiN we rafA:?? • r flyn)rft.t-It1aird rxr %01?. a cn dfew a?sura:'L' Cit;kirlgageic : a o t o o r - .LYCokctC.IalvaRrirfe-rBIER:'9LY?I.FdkVIlF1L?5l?r?r?f'.:'F3?N:'Fr:. INTERNET REPRINT Action-Housing, Inc 425 Sixth Ave; STE 950 Pittsburgh, PA 15219 800.792.28011412.281.2102 www.acUonhousing.org 'Allegheny, Beaver, Butler, Fayette, Greene, Washington, Westmoreland Advocates for Financial Independence - Philadelphia 1628 JFK Blvd-8 Penn Ctr; STE 2210 Philadelphia, PA 19103 215.218.4342 www.afirww.org 'Philadelphia Advocates for Financial Independence - Ridley Park 202 E Hinkley Ave Ridley Park, PA 19078 215.218.4342 www.afirkow.org 'Chester, Delaware Alliance for Building Communities 830 Hamilton Mall Allentown, PA 18101 610.439.7007 'Lehigh, Northampton, Schuylkill American Credit Alliance, Inc. 2 S Deimorr Ave; STE 501 Morrisville, PA 19067 800.501.7526/215.295.7195 www.501plan.com 'Bucks, Montgomery Armstrong County Community Action Agency 705 Butler Rd Kittanning, PA 16201 724.548.3408 www.armstrongcap.com 'Armstrong Asociacf6n Puerlorriqueflos an Marche, Inc. (APM) 600 W Diamond St Philadelphia, PA 19122 7215.235.6070 www.apmphila.orgm 'Delaware, Philadelphia BASE, Incorporated 447 S. Prince St Lancaster, PA 17603 717.392.5467 www.baseinc.org 'Lancaster Bayfront Neighborhood Action Team Organization, Inc. 312 Chestnut St Erie, PA 16507 814.459.2761 'Erie Blair County Community Action Agency 2100 6th Ave; STE 102 Altoona, PA 16602 800.238.9763/814.946.3651 'Blair Barks Community Action Program, Inc. 247 N Fifth St Reading, PA 19601 610.375.7866 www.racc.odu/Socia[Service/b090.aspx 'Barks, Schuylkill, Montgomery * Indicates Counties Serviced Bucks County Housing Group CCCS of Delaware Valley - 2324 Second St Pike; STE 17 Philadelphia Wrightstown, PA 18940 4400 North Reese St 866.866.0280 / 215.598.3566 Philadelphia, PA 19140 www.bchg.org 600.989.2227 / 215.563.5665 'Bucks www.occsdv.org , Building United of Southwestern PA 'Bucks, Chester, Delaware 801 N Homewood Ave; STE 201 Montgomery, Philadelphia Pittsburgh, PA 15208 412281.4422 'Allegheny, Beaver, Butler, Fayette, Washington, Westmoreland Campbell Street Family Youth and Community Association 600 Campbell St Williamsport, PA 17701 570.322.5515 www.campbolistreetoonter.org 'Lyooming Carroll Perk Community Council, Inc. 5218 Master St Philadelphia, PA 19131 215.877.1157 'Delaware, Montgomery, Philadelphia Cambria Community Development Corporation 401 Candlelight Dr Ebensburg, PA 15931 814.472.6711 'Blair, Cambria, Delaware, Indiana, Somerset CCCS of Delaware Valley - Bristol 1230 Veterans Hwy; STE F1 Bristol, PA 19007 800.989.2227/215.563.5665 'Bucks CCCS of Delaware Valley - Center City Philadelphia 1608 Walnut St; 10th FL Philadelphia, PA 19103 800.989.2227/215.563.5665 www.c=dv.org 'Chester, Philadelphia CCCS of Delaware Valley - Chinatown 901-A Wood St Philadelphia, PA 19107 800.989.2227 / 215.563.5665 www.occsdv.org 'Philadelphia CCCS of Delaware Valley - Coatesville 1001 East Lincoln Hwy; Suite 102 Coatesville, PA 19320 800.989.2227/215.563.5665 www.cccsdv.org 'Chester, Delaware CCCS of Delaware Valley - Jenkintown 261 Old York Rd; The Pavillion #401 Jenkintown, PA 19046 800.989.2227/215.563.5665 www.cocsdv.org 'Montgomery CCCS of Delaware Valley - Media 280 N Providence Rd Media, PA 19063 800.989.2227/215.563.5665 www.cccsdv.org 'Delaware CCCS of Delaware Valley - Philadelphia 7340 Jackson St Philadelphia, PA 19136 800.989.2227/215.563.5665 www.cccsdv.org 'Philadelphia CCCS of Delaware Valley - West Chester 770 E Market SC STE 190 West Chester, PA 19382 800.989.2227/215.563.5665 www.cocsdv.org 'Chester, Delaware CCCS of Lehigh Valley - Pottstown 1954 E High St Pottstown, PA 19464 866.889.9347 www.consumercrediflv.org 'Chester. Montgomery CCCS of Lehigh Valley - Quakertown 127 S. 5th St; STE 155 Quakertown, PA 18951 866.889.9347 www.oDnsumercrediUv.org 'Bucks CCCS of Lehigh Valley - Whitehall 3671 Crescent Court E Whitehall, PA 18052 866.889.9347 www.oDnsumercrediUv.org 'Carbon, Lancaster, Lehigh, Schuylkill CCCS of Lehigh Valley - Wyomissing 833 N Park Rd, M; STE 103 Wyomissing, PA 18072 866.889.9347 www.consumarcrediUv.org 'Barks, Northampton CCCS of Northeastern PA - By Appt. Only 214 W. Walnut St Hazleton, PA 18201 800.922.9537 www.occsnepa.org 'Carbon CCCS of Western PA - Butler 112 Hollywood Dr, STE 101 Butler, PA 16001 888.511.2227/888.511.2227 www.occspa.org 'Armstrong, Beaver, Butler, Clarion, Jefferson, Lawrence CCCS of Western PA - Erie 4402 Peach St; Lower Level Erie, PA 16509 888.511.2227 / 888.511.2227 www.cccspa.org 'Crawford, Elk, Erie, McKean, Mercer, Union, Venango, Warren CCCS of Western PA - Greensburg 1 N Gate Sq Greensburg, PA 15601 888.511.2227 / 888.511.2227 www.cocspa.org 'Indiana, Westmoreland CCCS of Western PA - Harrisburg 2000 Linglestown Rd; STE 302 Harrisburg, PA 17110 888.511.2227 / 888.511.2227 www.cocspa.org 'Dauphin, Juniata, Lebanon, Mifflin, Northumberland, Perry, Union CCCS of Western PA - Pittsburgh 2403 Sidney St; STE 400; River Park Commons Pittsburgh, PA 15203 888.511.2227/888.511.2227 www.occspa.org 'Allegheny, Cameron CCCS of Western PA - York 55 Clover Hill Road Dallastown, PA 17313 888.511.2227 / 888.511.2227 www.occspa.org 'Adams, Cumberland, Franklin, Lancaster, Lebanon, York Center for Family Services, Inc. 213 W Center St Meadville, PA 16335 814.337.8450 www.thecenter-nwpa.org 'Crawford, Mercer, Venango Center in the Park CCCS of Northeastern PA - Pittston 5818 Germantown Ave 401 Laurel St Philadelphia, PA 19144 Pittston, PA 18640 215.849.5100 800.922.9537 / 570.602.2227 www.centerinthepark.org www.occsnepa.org 'Philadelphia 'Bradford, Carbon, Centre, Clearfield, Luzeme, Clinton, Columbia, Elk, Juniata, Lackawanna Chester Community Improvement Project Lycoming,Mifflin,Monroe,Montour,Northumberiand 412 Ave of the States Pike, Potter, Schuylkii, Snyder, Sullivan Chester, PA 19013 Susquehanna,Tioga,Union,Wayne,Wyoming 610.876.8663 'Chester, Delaware, Montgomerv. Philadalnhta CCCS of Northeastern PA - Stale College 202 W Hamilton Ave State College, PA 16801 800.922.9537/814.238.3688 www.cocsnepa.org 'Blair CCCS of Northeastern PA - Stroudsburg 411 Main St; STE 104 Stroudsburg, PA 18360 800.922.9537/570.602.2227 www.c=nepa.org 'Monroe CCCS of Western PA - Altoona 917A Logan Blvd; Royal Remax Plaza Altoona, PA 16602 888.511.22271888.511.2227 www.cccspa.org 'Bedford, Blair, Cambria, Centre, Clearfield, Fulton, Huntingdon, Juniata, Somerset Community Action Commission - Capital Region 1514 Derry St Harrisburg, PA 17104 717.232.9757 www.cactricounty.org 'Cumberiand, Dauphin, Perry Community Action Partnership of Mercer County 75 S Dock St Sharon, PA 16146 724.342.3532 www.capmercer.org 'Mercer * Indicates Counties Serviced Community Action Southwest - Washington County 150 W Beau St; STE 304 Washington, PA 15301 877.814.0788/724.8522893 www.caswg.org 'Washington Community Action Southwest - Waynesburg/Greene 58 E Greene St Waynesburg, PA 15370 877.814.07881724.225.9550 www.caswg.org 'Fayette, Greene, Huntingdon, Westmoreland Commission on Economic Opportunity - Wilkes-Barre 165 Amber Lane Wilkes-Bane, PA 18702 800.822.0359/570.826.0510 www.oeopeoplehelpingpeople. org 'Carbon, Columbia, Luzeme, Monroe Fair Housing Partnership of Greater Pittsburgh, Inc. 2840 Liberty Ave; STE 205 Pittsburgh, PA 15222 412.391.2535 www.pittsburghfaiFhousing.org 'Allegheny Fayette Co. Community Action Agency, Inc. 108 N Beeson Blvd Uniontown, PA 15401 800.427.4636 / 724A37.6050 www.fecaa.org 'Fayette, Somerset, Westmoreland Garfield Jubilee Association 5138 Penn Ave Pittsburgh, PA 15224 412.665.5204 'Allegheny Genesis Housing Corporation 208 DeKalb St; #212 Norristown, PA 19401 Community Action Committee of the Lehigh Valley 610.275.4357 1337 E Fifth St www.gonesishousing.org Bethlehem, PA 18015 'Bucks, Chester, Delaware, 610.691.5620 www cacv o Montgomery, Philadelphia 'Barks, Carbon, Lehigh, Monroe, Northampton CONGRESO 216 W Somerset St Philadelphia, PA 19133 215.763.8870 www.congreso.net 'Philadelphia Council of Spanish Speaking Organization (CONCILIO) 705-09 N Franklin St Philadelphia, PA 19123 215.627.3100 elconcilio.net 'Philadelphia Credit Counseling Center 832 2nd St Pike Richboro, PA 18954 877.900.4222/215.396.1880 www.ccc-crediLcom 'Bucks, Delaware, Montgomery, Philadelphia Credit Counseling Center 408 Mill St Bristol, PA 19007 www.ccc-credit.com 'Bucks, Delaware, Montgomery, Philadelphia Da-Network Housing Ministries, Inc. 1529 N. 7th St Philadelphia, PA 19122 215.927.3227 www.danetworkhousing.org 'Philadelphia Diversified Community Services Dixon House 1920 S 20th St Philadelphia, PA 19145 215.336.3511 www.dksphila.org 'Bucks, Delaware, Philadelphia Germantown Settlement 5538 Wayne Ave; BLDG C Philadelphia, PA 19144 215.849.3104 www.gerrnantown.org 'Delaware, Montgomery, Philadelphia Grace Neighborhood Development Corporation 5200 Oxford Ave Philadelphia, PA 19124 215.535.3885 'Philadelphia Greater Erie Community Action Committee 18W9thSt Erie, PA 16501 814.459.4581 www.gekac.org 'Ede, McKean, Venango, Warren Harrisburg Fair Housing Council 2100 N 6th St Harrisburg, PA 17110 717.238.9540 'Cumberland, Dauphin, Perry Hispanic Association of Contractors and Enterprise (HACE) Philadelphia 167 W Allegheny Ave; STE 200 Philadelphia, PA 19140 215.426.1151 'Philadelphia Housing Alliance of York 35 S Duke St York PA 17401 717.854.1541 www.housingailiancoofyork.com 'Adams, York Housing Association of Delaware Valley (HADV) - Housing Association Information Program (HAIP) 658 N Watts St Philadelphia, PA 19123 215.978.0224 www.hadv.org 'Delaware, Philadelphia Housing and Redevelopment Authority - Cumberland Cnty 114 N Hanover St; STE 104 Carlisle, PA 17013 866.683.5907/717.249.0789 www.cchra.com 'Cumberland Housing Development Corporation of Northeastern PA 163 Amber Ln Wilkes Barre, PA 18702 570.824.4803 'Luzeme, Wyoming Housing Opportunities of Beaver County 282 East End Ave Beaver, PA 15009 724.728.7511 www.hobeinfo.org 'Beaver, Buffer, Lawrence Housing Authority of the County of Butler 114 Woody Dr Butler, PA 16001 800.433.6327/724.287.6797 www.housingauthority .com/Homeownership_Program.htmI 'Allegheny, Armstrong, Beaver, Butler, Clarion, Lawrence Housing Partnership of Chester County 41 W Lancaster Ave Downingtown, PA 19335 610.518.1522 www.housingpartnershipoc.com 'Chester, Delaware, Montgomery Indiana County CommunityAction Program, Inc. 827 Water St Indiana, PA 15701 724.465.2657 www.iccap.net 'Armstrong, Cambria, Clearfield, Indiana, Jefferson, Westmoreland Intercultural Family Services, Inc. 4225 Chestnut St Philadelphia, PA 19104 215.386.1298 www.ifsinc.org 'Delaware, Philadelphia Korean Community Development Services Center 6055 N 5th St Philadelphia, PA 19120 215.276.8830 www.koreancenter.org 'Delaware, Philadelphia Lancaster Housing Opportunities Partnership 44 N Christian St; STE 300 Lancaster, PA 17602 717.291.9945 www.lhop.org 'Lancaster Lawrence County Community Action Parma ship (LCCAP) 241 W Grant St New Castle, PA 16101 888.252.5104/724.658.7258 www.iccap.org/h.php 'Lawrence Lebanon County Housing and Redevelopment Authority 303 Chestnut St Lebanon, PA 17042 717.273.9326 www.lebanonoountyhousing.com 'Lebanon Liberty Resources, Inc. (Serving Allentown and Philadelphia) 714 Market St; STE 100 Philadelphia, PA 19106 888.634.2155/215.634.2000 www.libertyreswroes.org 'Bucks, Chester, Delaware, Montgomery, Philadelphia Loveship, Inc. 2320 N 5th St Harrisburg, PA 17110 717.232.2207 'Cumberland, Dauphin, Perry Media Fellowship House, Inc. 4302 S Jackson St Media, PA 19063 610.565.0434 www.mediafellowshiphouse.org 'Chester, Delaware, Montgomery Mon Valley Initiative 305 E Eighth Ave Homestead, PA 15120 412.464.4000 www.monvalleyini0afive.com 'Allegheny, Armstrong, Beaver, Butler, Fayette, Greene, Indiana, Washington, Westmoreland Mt. Airy USA 6703 Germantown Ave; STE 200 Philadelphia, PA 19119 215.844.6021 www.mtalryusa.org 'Philadelphia Nazareth Housing Services (HE and C) 320 Brownsville Rd Pittsburgh, PA 15210 412.381.6925 www.mtnazarethoonter.org/nazareth-housing.htmi 'Allegheny Neighborhood Housing Services of Lackawanna County 709 E Markel St Scranton, PA 18509 570.558.2490 www.nhslackawannapa.org 'Lackawanna, Pike, Wayne Neighborhood Housing Services of Philadelphia 121 N Broad St; #5 Philadelphia, PA 19107 215.476.4205 www.phillynhs.org 'Philadelphia Neighborhood Housing Services Greater Barks 213 N 5th Si; STE 1030 Reading, PA 19601 610.372.8433 www.nhsreading.org 'Barks * Indicates Counties Serviced Neighborworks Western PA Pittsburgh Community Reinvestment Group St. Martin Center, Inc. 710 Fifth Ave; STE 1000 (PCRG) 1701 Parade St Pittsburgh, PA 15219 1901 Centre Avenue; STE 200 Erie, PA 16503 412.281.9773 Pittsburgh, PA 15219 814.452.6113 www.nwwpo.org 412.391.6732 www.stmarfincenter.org 'Allegheny, Armstrong, Beaver, Butler, Cambria, www.pcrg.org 'Centre, Crawford, Erie, McKean, Fayette, Greene, Washington, Westmoreland 'Allegheny Mercer, Venango, Warren New Kensington Community Schuylkill Community Action Step, Inc. (a.k.a. Lyooming•Clinton Counties Development Corp.(NKCDC) 225 N Center St Commission for Community Action) 2515 Frankford Ave Pottsville, PA 17901 2138 Lincoln St Philadelphia, PA 19125 570.622.1995 Williamsport, PA 17701 215.427.0350 www.schuylkillcorrwnunityacbon.com 800.346.3020 1570.326.05137 www.nkedc.org 'Barks, Carbon, Lebanon, Lehigh, Luzeme, www.stopcorp.org 'Philadelphia Northumberland, Schuylkill 'Centre, Clinton, Lycoming, Union NID-Housing Counseling-Philadelphia Shenango Valley Urban League Tableland Services Inc./Community 3212 W. Cheltenham Ave 601 Indiana Ave Action Partnership for Somerset Cnty Philadelphia, PA 19150 Farrell, PA 19121 535 E Main St 267.385.7624 724.981.5310 Somerset, PA 15501 'Delaware, Montgomery, Philadelphia www.svul.org 800.452.0148 / 814.445.9628 'Butler, Crawford, Lawrence, Venango www.capfsaorg Northern Cambria Community Development Corp. 'Bedford. Cambria, Fayette (NORCAM Group) South of South Neighborhood Somerset, Westmoreland 4200 Crawford Avenue Suite 200 Association, Inc. (SOSNA) Northam Cambria, PA 15714 1901 Christian St TABOR Community Services, Inc. 888.676.8781 / 814.948.4444 Philadelphia, PA 19146 308 E King St 'Bedford, Blair, Cambria, Cameron, 215.732.8446 Lancaster, PA 17608 Centre, Clearfield, Elk, Erie, www.southofsouth.org 800.788.5062 / 717.397.5182 Huntingdon, Jefferson, Somerse 'Philadelphia www.tabomet.org 'Chester, Lancaster, Lebanon Northam Tier Community Action Corp. South Philadelphia HOMES, Inc. (SPHINC) 135 West 4th Street 1444 Point Breeze Ave TREHAB Center, Inc. Emporium, PA 15834 Philadelphia, PA 19146 703 S Elmer Ave; STE 104 814.486.1161 800.349.5904/215.334.4430 Sayre, PA 18840 'Cameron, Elk, McKean, Potter www.sphinc.com 800.982.4045 / 570.888.0412 'Philadelphia www.trehab.org Northwest Counseling Service, Inc. 'Bradford Southwest Community Development 5001 North Broad Street Philadelphia, PA 19141 Corporation TREHAB Center, Inc. 215.324.7500 6328 Paschall Ave 10 Public Ave 'Bucks, Chester, Delaware, Philadelphia, PA 19142 Montrose, PA 18801 Montgomery, Philadelphia 215.729.0800 800.982.4045 / 570.278.3338 www.southwestcdc.org www.trehab.org The Partnership CDC 'Delaware, Philadelphia 'Susquehanna 4020 Market St; STE 100 Philadelphia, PA 19104 Southwestern PA Legal Services - TREHAB Center, Inc. - Tioge County 215.662.1612 Fayette County. 52 Plaza Ln www.thepartnershipodc.org 48 E Main St Wellsboro, PA 16901 'Philadelphia Uniontown, PA 15401 866.656.7788 / 570.724.525.? 888.855.3873 1724.439.3591 www.tehab.org Palhstone Corporation Pennsylvania www.splas.org •Tioga 1625 North Second St 'Fayette Harrisburg, PA 17102 United Communities Southeast Southwestern PA Legal Services - Philadelphia 717'234'6616 Greene County 2029 S 8th St www.ruralisc.org/pathstonej)a.htm ' 63 S Washington St Philadelphia, PA 19148 Adams, Barks, Cambria, Chester, Clearfield, Waynesburg, PA 15370 215.467.8700 Cumberland, Dauphin, Franklin, Somerset 888 855.3873 / 724.627.3127 www.ucsep.org Pennsylvania Interfaith Community Programs, Inc. www'splas.org 'Philadelphia Adam's County Housing Authority (ACHA) 'Greene United Neighborhood Centers of 40 E High St Southwestern PA Legal Services - Northeastern PA Gettysburg, PA 17325 Somerset County 410 Olive St 717.334.1518 132 E. Catherine St Scranton, PA 18505 www.adamscha.org Somerset, PA 15501 570.343.8835 'Adams, Franklin, 800.855.3873 / 814.443.4615 'Lackawanna Cumberland, Lackawanna, York www.splas.org 'Somerset Universal Companies - Universal Philadelphia Council for Community Community Homes Advancement (PCCA) Southwestern PA Legal Services - 800 S 15th St 1617 JFK Blvd; STE 1550 Washington County Philadelphia, PA 191.46 Philadelphia, PA 19103 10 W Cherry Ave 215.732.6518 215.567.7803 Washington, PA 15301 'Philadelphia www.pccahousing.org 888.855.3873 / 724.225.6170 'Bucks, Chester, Delaware, www.splas.org Urban League of Philadelphia Montgomery, Philadelphia 'Washington 121 S Broad St; 9th FL Philadelphia, PA 19107 215.985.3220 www.urbanleaguephila.org 'Bucks, Chester, Delaware, Montgomery, Philadelphia Urban League of Pittsburgh 610 Wood Street Pittsburgh, PA 15222 412.227.4163 www.ulpgh.org 'Allegheny Voices for Independence 1107 Payne Ave Erie, PA 16503 866.407.0064/814.874.0064 www. voicesfodndependence.org Clarion, Elk, Erie, McKean, Mercer, Venango Warren-Forest Counties I Economic Opportunity Council (EOC) 1209 Pennsylvania Ave, W Warren, PA 16365 800.231.1797 / 814.726.2400 www.wfcaa.org 'Crawford, Forest, McKean, Warren West Oak Lane Community Development Corporation (CDC) 6259 Limekiln Pike Philadelphia, PA 19141 215.224.0880 'Montgomery, Philadelphia Westmoreland Community Action 226 S Maple Ave Greensburg, PA 15601 800.816.0022 / 724.834.1260 www.wastmorelandca.org 'Westmoreland Women's Opportunity Resource Center (WORC) 2010 Chestnut St Philadelphia, PA 19103 215.564.5500 www.worc-pa.com 'Philadelphia SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff FILED- 0MCF THE PROT Jody S Smith Chief Deputy Richard W Stewart Solicitor 2011 FEB -9 AM ;: (fin CUMQEFLAKD C30Lnk! 0FN 'SYUU'-"All I I A Citimortgage, Inc Case Number vs. 2011-1005 Kevin F. Cadigan (et al.) SHERIFF'S RETURN OF SERVICE 02/01/2011 05:00 PM - Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on February 1, 2011 at 1700 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Kevin F. Cadigan, by making known unto Sandy Cadigan, Wife of defendant at 8 E. Hunter Road, Carlisle, Cumberland County, Pennsylvania 17015 its contents and at the same time handing to her personally the said true and correct copy of the same. ROB ?BlrTNER, DEPUTY 02/01/2011 05:00 PM - Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on February 1, 2011 at 1700 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Sandra L. Cadigan, by making known unto herself personally, at 8 E. Hunter Road, Carlisle, Cumberland County, Pennsylvania 17015 its contents and at the same time handing to her personally the said true and correct copy of the same. CROT BITNER, DEPUTY SHERIFF COST: $44.44 February 03, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 11-1005 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due CITIMORTGAGE, INC. Plaintiff (s) From KEVIN F. CADIGAN AND SANDRA L. CADIGAN (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: $234,054.85 L.L.: Interest from 3/23/2011 to 12/7/11 - $7,173.40 - at $27.59 per diem - $241,228.25 Atty's Comm: % Atty Paid: $176.94 Plaintiff Paid: Due Prothy: $2.00 Other Costs: Date: 8/11/11 (Seal) REQUESTING PARTY: Name: RICHARD M. SQUIRE, ESQUIRE Address: RICHARD M. SQUIRE & ASSOCIATES, LLC 115 WEST AVENUE, SUITE 104 JENKINTOWN, PA 19046 Attorney for: PLAINTIFF Telephone: 215-886-8790 iieputy Supreme Court ID No. 04267 Richard M. Squire & Associates, LLC Attorneys for Plaintiff By: Richard M. Squire, Esquire M. Troy Freedman, Esquire ID. Nos. 04267 / 85165 r ?= I - ID. s F? PROTHONO?AR 7- One Jenkintown Station, Suite 104 115 West Avenue 1q l! A?JC I PM 2: 06 Jenkintown, PA 19046 , Telephone: 215-886-8790 t.-IR BERLAND COUNTY PENNSYLVANIA Fax: 215-886-8791 CitiMortgage, Inc. IN THE COURT OF COMMON PLEAS PLAINTIFF, CUMBERLAND COUNTY, PENNSYLVANIA V. Kevin F. Cadigan Sandra L. Cadigan 8 East Hunter Road, Carlisle, PA 17015 NO. 2011-1005 Civil CIVIL ACTION MORTGAGE FORECLOSURE DEFENDANTS. PRAECIPE FOR WRIT OF EXECUTION (Mortgage Foreclosure) To the Prothonotary: Issue Writ of Execution in the above matter. Dated: August 9, 2011 CD akA,6b (Ic4.(4Y 9 'P. cc ?k1. 00 a .so Amount Due $ 234,054.85 Interest From 03/23/2011 to 12/7/2011 j 7,173.40 @ $27.59 per diem $ 241,228.25 * plus fees and costs rkzl rA MF-CL? Ut? svi 4. 0(4 pa By: Ri d quire, Esq. (PA LD.# 04267) oy Freedman, Esq. (PA I.D.# 85165) hristina C. Viola, Esq. (PA I.D. # 308909) 115 West Avenue, Suite 104 Jenkintown, PA 19046 215-886-8790 215-886-8791 (fax) rsquire&squirelaw.com tfreedmannsquirelaw.com cviola&squirelaw.com Attorneys for Plaintiff x;I. to Is. . so c? Ck? 2o?t ay 0%3oR? C? 0? 'rs'sLLej U 0 0 0 N z U O Q w O w a a O O w 0 0 x H 4 ? O ° ' bA • ? F-' w a 3 o cq Z O H U w O O a H? U O O U O w O w av ? ao 00 . 00 cn ?o^ ww o o?? ? c Cn k, 42 U [i 6 p ° p 00 00 ^ U O V1 a w 0 Richard M. Squire & Associates, LLC By: Richard M. Squire, Esquire M. Troy Freedman, Esquire I.D. Nos. 04267 / 85165 i 'L?E D' - 0 F F i One Jenkintown Station, Suite 104 P R 0 T H 0 N 0 TA R 115 West Avenue 2' 11 AUG I I P11 2: U 7 Jenkintown, PA 19046 (215) 886-8790 Fax (215) 886-8791 CUMBERLAND COUNTY Attorneys for Plaintiff PENNSYLVANIA CitiMortgage, Inc. IN THE COURT OF COMMON PLEAS PLAINTIFF, CUMBERLAND COUNTY, PENNSYLVANIA V. NO. 2011-1005 Civil Kevin F. Cadigan Sandra L. Cadigan CIVIL ACTION 8 East Hunter Road, Carlisle, PA 17015 MORTGAGE FORECLOSURE DEFENDANTS. AFFIDAVIT PURSUANT TO RULE 3129.1 CitiMortgage, Inc., Plaintiff in the above action, being authorized to do so, sets forth as of the date the Praecipe for the Writ of Execution was filed, the following information concerning the real property located at 8 East Hunter Road, Carlisle, PA 17015, Tax Parcel No. 40-24-0758-170: 1. Name and last known address of Owner(s) or Reputed Owner(s): Kevin F. Cadigan 2. 3. Sandra L. Cadigan 8 East Hunter Road, Carlisle, PA 17015 8 East Hunter Road, Carlisle, PA 117015 Name and last known address of Defendant(s) in the judgment: Kevin F. Cadigan 8 East Hunter Road, Carlisle, PA 17015 Sandra L. Cadigan 8 East Hunter Road, Carlisle, PA 117015 Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: CitiMortgage, Inc. 1000 Technology Drive, O'Fallon, MO 63668 FAChents\Citi Mortgage\Cadigan -187F\Writ PAckage.wpd 4. Name and address of last recorded holder of every mortgage of record: CitiMortgage, Inc. 1000 Technology Drive, O'Fallon, MO 63668 Mortgage Electronic Registration P.O. Box 2026, Systems, Inc. Flint, MI 48501-2026 Philadelphia Financial Mortgage 1044 Marathon Road, Reading, PA 19605 5. Name and address of every other person who has any record lien on the property: None other. 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: PA Department of Revenue P.O. Box 281230 Bureau of Compliance Harrisburg, PA 17128-1230 Department of Public Welfare Health & Welfare Building Attn : Legal Department P. O. Box 2675 Harrisburg, PA 17105-2675 Department of Public Welfare Domestic Relations Cumberland County Tax Claim Bureau Bureau of Child Support Enforcement Health & Welfare Bldg., Room 432 Harrisburg, PA 17105-2675 P.O. Box 320, Carlisle, PA 17013 1 Courthouse Square, Carlisle, PA 17013 FAClients\Citi Mortgage\Cadigan -187F\Writ PAckage.wpd 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/Occupant 8 East Hunter Road, Carlisle, PA 17015 Department of Veteran Affairs Attn: Jennifer Nadiak VA Regional Loan Center 1240 East Ninth Street, Cleveland, OH 44199 VERIFICATION 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. §4904 relating to unsworn falsification to authorities. Richard M. Squire & Associates, LLC By: s quire 115 West Avenue, Suite 104 Jenkintown, PA 19046 (215) 886-8790 Attorneys for Plaintiff Date: August 9, 2011 FAChents\Citi Mortgage\Cadigan -187F\Writ Mckage.wpd Richard M. Squire & Associates, LLC By: Richard M. Squire, Esquire M. Troy Freedman, Esquire I.D. Nos. 04267 / 85165 One Jenkintown Station, Suite 104 115 West Avenue Jenkintown, PA 19046 (215) 886-8790 Fax (215) 886-8791 Attorneys for Plaintiff , T HONOTAR i' t 11 Ub ! i PPS 2: 0 r 'C'UMBERLAND COUNTY CitiMortgage, Inc. IN THE COURT OF COMMON PLEAS PLAINTIFF, CUMBERLAND COUNTY, PENNSYLVANIA V. NO. 2011-1005 Civil Kevin F. Cadigan Sandra L. Cadigan ' CIVIL ACTION 8 East Hunter Road, Carlisle, PA 17015 MORTGAGE FORECLOSURE DEFENDANTS. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Sandra L. Cadigan 8 East Hunter Road Carlisle, PA1 17015 Your house (real estate) at 8 East Hunter Road , Carlisle, PA 17015 is scheduled to be sold at Sheriffs Sale on Wednesday. December 7 2011 at 10.00 a m at the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, PA 17013 to enforce the courtjudgment of $234,054.85 plus interest to the sale date obtained by CitiMortgage, Inc. 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: The sale will be canceled if you pay back to CitiMortgage, Inc., 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: Richard M. Squire, Esquire or M. Troy Freedman, Esquire at (215) 886-8790. 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. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff s Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling the Cumberland County Sheriffs Office at 717-240-6100. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call the Cumberland County Courthouse at 717-240-6195. 4. If the amount due from the buyer is not paid to the Sheriff, you will, remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than 30 days after the Sheriff s 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. 7. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. Lawyer Reference Service Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 and 800-990-9108 LEGAL DESCRIPTION ALL that certain tract of land with the improvements thereon erected situate in South Middleton Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at a point on the northern side of East Hunter Road on the dividing line between Lot Nos. 15 and 16 on the hereinafter mentioned Plan of Lots; thence by said dividing line, North 4 degrees 44 minutes West 157.91 feet to a point; thence North 85 degrees 16 minutes East 100 feet to a point; thence by the dividing line between Lot Nos. 14 and 15 on said Plan of Lots, South 4 degrees 44 minutes East 157.91 feet to a point on the northern side of East Hunter Road; thence by the northern side of said Road, South 85 degrees 16 minutes West 100 feet to the Place of BEGINNING. BEING Lot No. 15 of Section "M", of the Plan of Lots known as Forge Road Acres, as recorded in the Office of the Recorder of Deeds for Cumberland County, Pennsylvania, in Plan. Book 26, Page 130. BEING improved with a brick and aluminum ranch style dwelling house with attached one car garage known as 8 East Hunter Road, Carlisle, PA 17015 BEING Parcel No. 40-24-0758-170. BEING the same premises which Ronald V. Pelletier and Linda S. Pelletier, husband and wife, granted and conveyed unto Kevin F. Cadigan and Sandra L. Cadigan, husband and wife, by Deed dated December 14, 2007 and recorded on December 17, 2007 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania as Instrument No. 200746383. Richard M. Squire & Associates, LLC By: Richard M. Squire, Esquire M. Troy Freedman, Esquire F F I C I.D. Nos. 04267 / 85165 H0N0 I'A One Jenkintown Station, Suite 104 115 West Avenue l) I I AUG I I PM 2: 0 7 Jenkintown, PA 19046 ?"[J4BCRLANO COUNTY (215) 886-8790 Fax (215) 886-8791 PENNSYLVANIA Attorneys for Plaintiff CitiMortgage, Inc. IN THE COURT OF COMMON PLEAS PLAINTIFF, CUMBERLAND COUNTY, PENNSYLVANIA V. NO. 2011-1005 Civil Kevin F. Cadigan Sandra L. Cadigan CIVIL ACTION 8 East Hunter Road, Carlisle, PA 17015 MORTGAGE FORECLOSURE DEFENDANTS. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Kevin F. Cadigan 8 East Hunter Road Carlisle, PA 17015 Your house (real estate) at 8 East Hunter Road, Carlisle, PA 17015 is scheduled to be sold at Sheriff s Sale on Wednesday, December 7, 2011 at 10:00 a.m. at the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, PA 17013 to enforce the court judgment of $234,054.85 plus interest to the sale date obtained by CitiMortgage, Inc. 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 canceled if you pay back to CitiMortgage, Inc., 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: Richard M. Squire, Esquire or M. Troy Freedman, Esquire at (215) 886-8790. 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. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff s Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling the Cumberland County Sheriff s Office at 717-240-6100. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call the Cumberland County Courthouse at 717-240-6195. 4. If the amount due from the buyer is not paid to the Sheriff, you will, remain the owner of the property as if the sale never happened. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than 30 days after the Sheriff s 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. 7. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. Lawyer Reference Service Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 and 800-990-9108 LEGAL DESCRIPTION ALL that certain tract of land with the improvements thereon erected situate in South Middleton Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at a point on the northern side of East Hunter Road on the dividing line between Lot Nos. 15 and 16 on the hereinafter mentioned Plan of Lots; thence by said dividing line, North 4 degrees 44 minutes West 157.91 feet to a point; thence North 85 degrees 16 minutes East 100 feet to a point; thence by the dividing line between Lot Nos. 14 and 15 on said Plan of Lots, South 4 degrees 44 minutes East 157.91 feet to a point on the northern side of East Hunter Road; thence by the northern side of said Road, South 85 degrees 16 minutes West 100 feet to the Place of BEGINNING. BEING Lot No. 15 of Section "M", of the Plan of Lots known as Forge Road Acres, as recorded in the Office of the Recorder of Deeds for Cumberland County, Pennsylvania, in Plan Book 26, Page 130. BEING improved with a brick and aluminum ranch style dwelling house with attached one car garage known as 8 East Hunter Road, Carlisle, PA 17015 BEING Parcel No. 40-24-0758-170. BEING the same premises which Ronald V. Pelletier and Linda S. Pelletier, husband and wife, granted and conveyed unto Kevin F. Cadigan and Sandra L. Cadigan, husband and wife, by Deed dated December 14, 2007 and recorded on December 17, 2007 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania as Instrument No. 200746383. Richard M. Squire & Associates, LLC By: Richard M. Squire, Esquire M. Troy Freedman, Esquire ID. Nos. 04267 / 85165 One Jenkintown Station, Suite 104 115 West Avenue Jenkintown, PA 19046 Telephone: 215-886-8790 Fax: 215-886-8791 Attorneys for Plaintiff t?.rCl•iaF?1G?: ITH0?4UTAR ;° G I I Ur. I I PM 2: U 7 CUMBERLAND COUNTY PENNSYLVANIA CitiMortgage, Inc. 's IN THE COURT OF COMMON PLEAS PLAINTIFF, CUMBERLAND COUNTY, PENNSYLVANIA V. Kevin F. Cadigan NO. 2011-1005 Civil Sandra L. Cadigan 8 East Hunter Road, CIVIL ACTION Carlisle, PA 17015 DEFENDANTS. CERTIFICATION M. Troy Freedman, Esquire, hereby verifies that he is an attorney for the Plaintiff in the above captioned matter, and that the premises are not subject to the provisions of Act 91 because it is: ( ) An FHA Mortgage ( ) Non-owner occupied ( ) Vacant (X) Act 91 Procedures have been fulfilled This certification is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unworn falsification to authorities. Date: August 9, 2011 By: Ric d M. Squire, Esq. (PA I.D.# 04267) Troy Freedman, Es q. (PA I.D.# 85165) Christina C. Viola, Esq. (PA I.D. #308909) 115 West Avenue, Suite 104 Jenkintown, PA 19046 215-886-8790 215-886-8791 (fax) rsquirensquirelaw.com tfreedman&squirelaw.com cviola&squirelaw.com Attorneys for Plaintiff Richard M. Squire & Associates, LLC Attorneys for Plaintiff By: Richard M. Squire, Esquire M. Troy Freedman, Esquire _1r " 1; ID. Nos. 04267 / 85165 uHO'4? One Jenkintown Station, Suite 104 115 West Avenues Jenkintown, PA 19046 Telephone: 215-886-8790 1Uh?BERLL?1/Al1A?u Fax: 215-886-8791E?NS CitiMortgage, Inc. IN THE COURT OF COMMON PLEAS PLAINTIFF, CUMBERLAND COUNTY, PENNSYLVANIA V. Kevin F. Cadigan NO. 2011-1005 Civil Sandra L. Cadigan 8 East Hunter Road, CIVIL ACTION Carlisle, PA 17015 DEFENDANTS. AFFIDAVIT OF LAST KNOWN ADDRESSES I, M. Troy Freedman, Esquire, being duly sworn according to law, hereby depose and say that I am one of the attorneys for Plaintiff in the above matter and that the last known address for the Defendant herein is as follows: Defendant: Kevin F. Cadigan Sandra L. Cadigan 8 East Hunter Road, Carlisle, PA 17015 Date: August 9, 2011 M. Troy Freedman, Esquire Attorney for Plaintiff Richard M. Squire & Associates, LLC By: Richard M. Squire, Esquire M. Troy Freedman, Esquire ID. Nos. 04267 / 85165 One Jenkintown Station, Suite 104 115 West Avenue Jenkintown, PA 19046 Telephone: 215-886-8790 Fax: 215-886-8791 Attorneys for Plaintiff t I ROTHONOTW 'U PENNSYLVANIA TY CitiMortgage, Inc. IN THE COURT OF COMMON PLEAS PLAINTIFF, CUMBERLAND COUNTY, PENNSYLVANIA V. Kevin F. Cadigan NO. 2011-1005 Civil Sandra L. Cadigan 8 East Hunter Road, CIVIL ACTION Carlisle, PA 17015 DEFENDANTS. VERIFICATION OF NON-MILITARY SERVICE M. Troy Freedman, Esquire, hereby verifies that he is one of the attorneys for the Plaintiff in the above-captioned matter, and that on information and belief, he has knowledge of the following facts, to wit: (a) that the Defendants are not in the Military or Naval Service of the United States or its Allies, or otherwise within the provisions of the Service Member's Civil Relief Act of Congress of 2003, as amended. (b) that Defendants are over 18 years of age and resides at 8 East Hunter Road, Carlisle, PA 17015. This statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Dated: August 9, 2011 Troy Freedman, Esquire ttorney for Plaintiff . SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor Citimortgage, Inc vs. Kevin F. Cadigan (et al.) F ' " RIFF ?-IL-, 7 X11 ! NOV 22 PM 2: 50 CUMBEPLAi,0 cout TY PENNSYLVANIA Case Number 2011-1005 SHERIFF'S RETURN OF SERVICE 09/29/2011 02:58 PM - Deputy Valerie Weary, 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 8 East Hunter Road, Carlisle, PA 17015, Cumberland County. 10/07/2011 05:29 PM - Deputy Shawn Gutshall, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be the Defendant, to wit: Kevin F. Cadigan at 8 E. Hunter Road, South Middleton Township, Carlisle, PA 17015, Cumberland County. 10/07/2011 05:29 PM - Deputy Shawn Gutshall, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be KEVIN CADIGAN - HUSBAND who accepted as "Adult Person in Charge" for Sandra L. Cadigan at 8 E. Hunter Road, South Middleton Township, Carlisle, PA 17015, Cumberland County. 10/31/2011 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: $756.94 November 22, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF IQ -0© jd - Co - 1cq CountySuite Shenfl, Telecsofl Inc. Richard M. Squire & Associates, LLC • By: Richard M. Squire, Esquire M. Troy Freedman, Esquire I.D. Nos. 04267 / 85165 One Jenkintown Station, Suite 104 115 West Avenue Jenkintown, PA 19046 (215) 886-8790 Fax (215) 886-8791 Attorneys for Plaintiff CitiMortgage, Inc. IN THE COURT OF COMMON PLEAS PLAINTIFF, CUMBERLAND COUNTY, PENNSYLVANIA V. NO. 2011-1005 Civil Kevin F. Cadigan Sandra L. Cadigan CIVIL ACTION 8 East Hunter Road, Carlisle, PA 17015 MORTGAGE FORECLOSURE DEFENDANTS. AFFIDAVIT PURSUANT TO RULE 3129.1 CitiMortgage, Inc., Plaintiff in the above action, being authorized to do so, sets forth as of the date the Praecipe for the Writ of Execution was filed, the following information concerning the real property located at 8 East Hunter Road, Carlisle, PA 17015, Tax Parcel No. 40-24-0758-170: 1. Name and last known address of Owner(s) or Reputed Owner(s): Kevin F. Cadigan Sandra L. Cadigan 8 East Hunter Road, Carlisle, PA 17015 8 East Hunter Road, Carlisle, PA 117015 2. Name and last known address of Defendant(s) in the judgment: Kevin F. Cadigan 8 East Hunter Road, Carlisle, PA 17015 Sandra L. Cadigan 8 East Hunter Road, Carlisle, PA 117015 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: CitiMortgage, Inc. 1000 Technology Drive, O'Fallon, MO 63668 FAChentACiti Mortgage\Cadigan -I87F\Writ Mckagempd 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/Occupant 8 East Hunter Road, Carlisle, PA 17015 Department of Veteran Affairs Attn: Jennifer Nadiak VA Regional Loan Center 1240 East Ninth Street, Cleveland, OH 44199 VERIFICATION 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. §4904 relating to unsworn falsification to authorities. Richard M. Squire & Associates, LLC By: M. Troy Freedman, Esquire 115 West Avenue, Suite 104 Jenkintown, PA 19046 (215) 886-8790 Attorneys for Plaintiff Date: August 9, 2011 FAClients\Citi Mortgage\Cadigan -I87F\Writ PAckage.wpd T • c .arc M. Souire't% Associates, LLC '3'?: R ichan?- M. Squire, Esquire M. Troy Freedman, Esquire LD.'Nos. 04267 / 85165 One Jenkintown Station, Suite 104 .15 West Avenue J enk:intown, PA 19046 (215) 886-8790 Fax (215) 886-8791 :For Plaintiff CitiMortgage, Inc. IN THE COURT OF COMMON PLEAS PLAINTIFF, CUMBERLAND COUNTY, PENNSYLVANIA V. NO. 2011-1005 Civil Kevin F. Cadigan Sandra L. Cadigan CIVIL ACTION 8 East Hunter Road, Carlisle, PA 17015 MORTGAGE FORECLOSURE DEFENDANTS. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Kevin F. Cadigan 8 East Hunter Road Carlisle, PA 17015 Your house (real estate) at 8 East Hunter Road, Carlisle, PA 17015 is scheduled to be sold at Sheriff s Sale on Wednesday. December 7. 2011 at 10:00 a.m. at the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, PA 17013 to enforce the court judgment of $234,054.85 plus interest to the sale date obtained by CitiMortgage, Inc. 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 canceled if you pay back to CitiMortgage, Inc., 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: Richard M. Squire, Esquire or M. Troy Freedman, Esquire at (215) 886-8790. 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. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling the Cumberland County Sheriff s Office at 717-240-6100. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call the Cumberland County Courthouse at 717-240-6195. 4. If the amount due from the buyer is not paid to the Sheriff, you will, remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than 30 days after the Sheriff s 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. 7. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. Lawyer Reference Service Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 and 800-990-9108 LEGAL DESCRIPTION ALL that certain tract of land with the improvements thereon erected situate in South Middleton Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at a point on the northern side of East Hunter Road on the dividing line between Lot Nos. 15 and 16 on the hereinafter mentioned Plan of Lots; thence by said dividing line, North 4 degrees 44 minutes West 157.91 feet to a point; thence North 85 degrees 16 minutes East 100 feet to a point; thence by the dividing line between Lot Nos. 14 and 15 on said Plan of Lots, South 4 degrees 44 minutes East 157.91 feet to a point on the northern side of East Hunter Road; thence by the northern side of said Road, South 85 degrees 16 minutes West 100 feet to the Place of BEGINNING. BEING Lot No. 15 of Section "M", of the Plan of Lots known as Forge Road Acres, as recorded in the Office of the Recorder of Deeds for Cumberland County, Pennsylvania, in Plan Book 26, Page 130. BEING improved with a brick and aluminum ranch style dwelling house with attached one car garage known as 8 East Hunter Road, Carlisle, PA 17015 BEING Parcel No. 40-24-0758-170. BEING the same premises which Ronald V. Pelletier and Linda S. Pelletier, husband and wife, granted and conveyed unto Kevin F. Cadigan and Sandra L. Cadigan, husband and wife, by Deed dated December 14, 2007 and recorded on December 17, 2007 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania as Instrument No. 200746383. Richard M. Squire & Associates, LLC By: Richard M. Squire, Esquire M. Troy Freedman, Esquire I.D. Nos. 04267 / 85165 One Jenkintown Station, Suite 104 115 West Avenue Jenkintown, PA 19046 (215) 886-8790 Fax (215) 886-8791 Attorneys for Plaintiff CitiMortgage, Inc. IN THE COURT OF COMMON PLEAS PLAINTIFF, CUMBERLAND COUNTY, PENNSYLVANIA V. NO. 2011-1005 Civil Kevin F. Cadigan Sandra L. Cadigan i CIVIL ACTION 8 East Hunter Road, Carlisle, PA 17015 MORTGAGE FORECLOSURE DEFENDANTS. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Sandra L. Cadigan 8 East Hunter Road Carlisle, PA1 17015 Your house (real estate) at 8 East Hunter Road , Carlisle, PA 17015 is scheduled to be sold at Sheriffs Sale on Wednesday. December 7. 2011 at 10:00 a.m. at the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, PA 17013 to enforce the courtjudgment of $234,054.85 plus interest to the sale date obtained by CitiMortgage, Inc. 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: The sale will be canceled if you pay back to CitiMortgage, Inc., 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: Richard M. Squire, Esquire or M. Troy Freedman, Esquire at (215) 886-8790. 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. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling the Cumberland County Sheriffs Office at 717-240-6100. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call the Cumberland County Courthouse at 717-240-6195. 4. If the amount due from the buyer is not paid to the Sheriff, you will, remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than 30 days after the Sheriff s 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. 7. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. Lawyer Reference Service Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 and 800-990-9108 1 1 11 LEGAL DESCRIPTION ALL that certain tract of land with the improvements thereon erected situate in South Middleton Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at a point on the northern side of East Hunter Road on the dividing line between Lot Nos. 15 and 16 on the hereinafter mentioned Plan of Lots; thence by said dividing line, North 4 degrees 44 minutes West 157.91 feet to a point; thence North 85 degrees 16 minutes East 100 feet to a point; thence by the dividing line between Lot Nos. 14 and 15 on said Plan of Lots, South 4 degrees 44 minutes East 157.91 feet to a point on the northern side of East Hunter Road; thence by the northern side of said Road, South 85 degrees 16 minutes West 100 feet to the Place of BEGINNING. BEING Lot No. 15 of Section "M", of the Plan of Lots known as Forge Road Acres, as recorded in the Office of the Recorder of Deeds for Cumberland County, Pennsylvania, in Plan Book 26, Page 130. BEING improved with a brick and aluminum ranch style dwelling house with attached one car garage known as 8 East Hunter Road, Carlisle, PA 17015 BEING Parcel No. 40-24-0758-170. BEING the same premises which Ronald V. Pelletier and Linda S. Pelletier, husband and wife, granted and conveyed unto Kevin F. Cadigan and Sandra L. Cadigan, husband and wife, by Deed dated December 14, 2007 and recorded on December 17, 2007 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania as Instrument No. 200746383. WRIT OF EXECUTION and/or ATTACHMENT 1 COMMONWEALTH OF PENNSYLVANIA) NO I1-1005 Civil COUNTY OF CUMBERLAND) CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due CITIMORTGAGE, INC. Plaintiff (s) From KEVIN F. CADIGAN AND SANDRA L. CADIGAN (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: $234,054.85 L.L.: Interest from 3/23/2011 to 12/7/11 - $7,173.40 - at $27.59 per diem - $241,228.25 Atty's Comm: % Atty Paid: $176.94 Plaintiff Paid: Date: 8/11/11 (Seal) REQUESTING PARTY: Due Prothy: $2.00 Other Costs: - -- Name: RICHARD M. SQUIRE, ESQUIRE Address: RICHARD M. SQUIRE & ASSOCIATES, LLC TRUE COPY FROM RECORD In T,.*,vny whereof, l here unto set my h*W 115 WEST AVENUE, SUITE 104 the $"1 of said Court A Cam. PI. JENKINTOWN, PA 19046 ?y_Itday01-a t .??-?-'- (J ProMwnobrY Attorney for: PLAINTIFF Telephone: 215-886-8790 "p F? 1 Oy Supreme Court ID No. 04267 On August 19, 2011 the Sheriff levied upon the defendant's interest in the real property situated in South Middleton Township, Cumberland County, PA, Known and numbered as, 8 East Hunter Road, Carlisle, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: August 19, 2011 By: ?, ? Real Estate Coordinator CUMBERLAND LAW JOURNAL Writ No.2011-1005 Civil Pennsylvania as Instrument No. 200746383. Citimortgage, Inc. vs. Kevin F. Cadigan Sandra L. Cadigan Atty.: M. Troy Freedman ALL that certain tract of land with the improvements thereon erected situate in South Middleton Township, Cumberland County, Pennsylvania, bounded and described as follows; BEGINNING at a point on the northern side of East Hunter Road on the dividing line between Lot Nos. 15 and 16 on the hereinafter mentioned Plan of Lots; thence by said dividing line, North 4 degrees 44 minutes West 157.91 feet to a point; thence North 85 degrees 16 minutes East 100 feet to a point; thence by the dividing line between Lot Nos. 14 and 15 on said Plan of Lots, South 4 degrees 44 minutes East 157.91 feet to a point on the northern side of East Hunter Road; thence by the northern side of said Road, South 85 degrees 16 minutes West 100 feet to the Place of BEGINNING. BEING Lot No. 15 of Section "M", of the Plan of Lots known as Forge Road Acres, as recorded in the Office of the Recorder of Deeds for Cumber- land County, Pennsylvania, in Plan Book 26, Page 130. BEING improved with a brick and aluminum ranch style dwelling house with attached one car garage known as 8 East Hunter Road, Carlisle, PA 17015. BEING Parcel No. 40-24-0758- 170. BEING the same premises which Ronald V. Pelletier and Linda S. Pel- letier, husband and wife, granted and conveyed unto Kevin F. Cadigan and Sandra L. Cadigan, husband and wife, by Deed dated December 14, 2007 and recorded on December 17, 2007 in the Office of the Recorder of Deeds of Cumberland County, 25 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: October 21, October 28, and November 4, 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. r bla Marie Coyne, E itor SWORN TO AND SUBSCRIBED before me this NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BOROUGH, CUMBERLAND COUNTY My Commission Expires Apr 28, 2014