HomeMy WebLinkAbout11-1976
C'41,L:-Q?'E1C
Cr ??'tE PRO i?Clt?O?'ARr
CUMBERLAND CO UM
i
McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE - ID # 16496
MARC S. WEISBERG, ESQUIRE - ID # 17616
EDWARD D. CONWAY, ESQUIRE - ID # 34687
MARGARET GAIRO, ESQUIRE - ID # 34419
123 South Broad Street, Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
JPMorgan Chase Bank, National Association
8120 Nations Way Building
Jacksonville, Florida 32256
V.
Jon D. Heinly
317 Geary Ave
New Cumberland, Pennsylvania 17070
and
Mary Ellen Heinly
317 Geary Ave
New Cumberland, Pennsylvania 17070
Attorneys for Plaintiff
Cumberland County
Court of Common Pleas
Number -4 I1431Lo 6iv' ( TerfK
CIVIL ACTION/MORTGAGE FORECLOSURE
6) ? any
ate} % qa oo
(# 133A1
NOTICE
You have been sued in court. If you wish to defend
against the claims set forth in the following pages, you
must take action within twenty (20) days after this
complaint and notice are served, by entering a written
appearance personally or by attorney and filing in
writing with the court your defenses or objections to the
claims set forth against you. You are warned that if you
fail to do so the case may proceed without you and a
judgment may be entered against you by the court
without further notice for any money claimed in the
complaint or for any other claim or relief requested by
the plaintiff. You may lose money or property or other
rights important to you.
YOU SHOULD TAKE THIS PAPER TO
YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW. THIS OFFICE CAN
PROVIDE YOU WITH INFORMATION ABOUT
HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A
LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT
AGENCIES THAT MAY OFFER LEGAL SERVICES
TO ELIGIBLE PERSONS AT A REDUCED FEE OR
NO FEE.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, Pennsylvania 17013
(800) 990-9108
AVISO
Le han demandado a usted en la corte. Si usted quiere
defenderse de estas demandas ex-puestas en las paginas
siguientes, usted tiene veinte (20) dias de plazo al partir
de la fecha de la demanda y 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 objeciones a las demandas en contra de
su persona. Sea avisado que si usted no se defiende, la
corte tomara medidas y puede continuar la demanda en
contra suya sin previo aviso o notificacion. Ademas, la
corte puede decidir a favor del demandante y requiere
que usted cumpla con todas las provisions de esta
demanda. Usted puede perder dinero o sus propiedades
u otros derechos importantes para usted.
USTED LE DEBE TOMAR ESTE PAPEL A
SU ABOGADO INMEDIATAMENTE. SI USTED NO
TIENE A UN ABOGADO, VA A O TELEFONEA LA
OFICINA EXPUSO ABAJO. ESTA OFICINA LO
PUEDE PROPORCIONAR CON INFORMATION
ACERCA DE EMPLEAR A UN ABOGADO.
SI USTED NO PUEDE PROPORCIONAR
PARA EMPLEAR UN ABOGADO, ESTA OFICINA
PUEDE SER CAPAZ DE PROPORCIONARLO CON
INFORMACION ACERCA DE LAS AGENCIAS
QUE PUEDEN OFRECER LOS SERVICIOS
LEGALES A PERSONAS ELEGIBLES EN UN
HONORARIC? REDUCIDO NI NINGUN
HONORARIO.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, Pennsylvania 17013
(800) 990-9108
CIVIL ACTION/MORTGAGE FORECLOSURE
1. Plaintiff is JPMorgan Chase Bank, National Association, a corporation duly organized and
doing business at the above captioned address.
2. The Defendant is Jon D. Heinly, who is the mortgagor and real owner of the mortgaged
property hereinafter described, and his/her last-known address is 317 Geary Ave, New Cumberland,
Pennsylvania 17070.
3. The Defendant is Mary Ellen Heinly, who is the mortgagor and real owner of the mortgaged
property hereinafter described, and his/her last-known address is 317 Geary Ave, New Cumberland,
Pennsylvania 17070.
4. On April 19, 2001, Jon D. Heinly and Mary Ellen Heinly made, executed and delivered a
mortgage upon the premises hereinafter described to North American Mortgage Company which mortgage
is recorded in the Office of the Recorder of Cumberland County in Mortgage Book 1695, Page 885.
5. The aforesaid mortgage was thereafter assigned by North American Mortgage Company to
JPMorgan Chase Bank, National Association, by Assignment of Mortgage, which will be duly recorded in
the Office of the Recorder of Cumberland County.
6. The premises subject to said mortgage is described in the legal description attached as
Exhibit "A" and is known as 317 Geary Avenue, New Cumberland, Pennsylvania 17070.
7. The mortgage is in default because monthly payments of principal and interest upon said
mortgage due November 1, 2010 and each month thereafter are due and unpaid, and by the terms of said
mortgage, upon default in such payments for a period of one month, the entire principal balance and all
interest due thereon are collectible forthwith.
8. The following amounts are due on the mortgage:
Principal Balance $ 81,622.48
Interest through February 11, 2011 $ 2,039.63
(Plus $15.37 per diem thereafter)
Attorney's Fee $ 1,300.00
Late Charges $ 92.76
Corporate Advance $ 150.50
Escrow Advance $ 163.50
GRAND TOTAL $ 85,368.87
9. Notice of Intention to Foreclose as required by Act 6 of 1974 (41 P.S. §403) and
notice required by the Emergency Mortgage Assistance Act of 1983 as amended under 12 PA Code Chapter
13, et seq., commonly known as the Combined Notice of Delinquency has been sent to Defendant by regular
mail with a certificate of mailing and by certified mail, return receipt requested.
10. Copy of Chase Homeowner's Information Packet is attached hereto and marked as
Exhibit "B".
WHEREFORE, Plaintiff demands in rem Judgment against the Defendant in the sum of $85,368.87,
together with interest at the rate of $15.37 per diem and other costs and charges collectible under the
mortgage and for the foreclosure and sale of the mortgaged property.
McCABE, WEISBERG AND CONWAY,P.C.
BY: 4,4 //
Attorneys for Plaintiff
TERRENCE J. McCABE, ESQUIRE
MARC S. WEISBERG, ESQUIRE
EDWARD D. CONWAY, ESQUIRE
MARGARET GAIRO, ESQUIRE
VERIFICATION
The undersigned attorney hereby certifies that he/she is the Attorney for the Plaintiff in the
within action, and that he/she is authorized to make this verification and that the foregoing facts based on
the information from the Plaintiffs representative, who is out of jurisdiction and not available to sign this
verification at this time, and are true and correct to the best of his/her knowledge, information and belief
and further states that false statements herein are made subject to the penalties of 18 PA.C.S. §4904
relating to unsworn falsification to authorities.
McCABE, WEISBERG AND CONWAY,P.C.
BY:
Attorneys for Plaintiff
TERRENCE J. McCABE, ESQUIRE
MARC S. WEISBERG, ESQUIRE
EDWARD D. CONWAY, ESQUIRE
MARGARET GAIRO, ESQUIRE
JPMorgan Chase Bank, National Association v. Jon D. Heinly and Mary Ellen Heinly
LGLD
LEGAL DESCRIPTION
4050003-863
THE LEGAL DESCRIPTION IS ATTACHED HERETO AS A SEPARATE
EXHIBIT AND IS MADE A PART HEREOF.
ALL THAT CERTAIN tract or parcel of land and premises situate, lying and being in the Borough of New
Cumberland in the County of Cumberland in the Commonwelath of Pennsylvania, more particularly described
as follows:
BEGINNING at a point on the eastern line of GEary Avenue, 57 feet in a southerly direction from the intersection
of the eastern line of Geary Avenue with the southern line of Ruby Alley; thence in a southerly direction along
the eastern line of Geary Avenue, 29.5 feet to a point; thence in an easterly direction along land now or formerly
Of Edward B. Hager, 165.0 feet to Cherry Alley; thence in a northerly direction along the western line of Cherry
Alley, 28.08 feet; thence in a westerly direction along the land now or formerly of Enuma Cookerly, 165.0 feet to
the place of BEGINNING.
AS SURVEYED by D.P. Raffensperger, Registered Surveyor, march 7, 1952..
Being part of the General Plan of George W. Buttorffs Addition to the Borough of new Cumberland recorded in
Cumberland County Recorder's Office in Deed Book "N", Volume 5, Page 500.
HAVING THEREON erected a frame dwelling house known as No. 317 Geary Avenue, Nw Cumberland,
Pennsylvania.
M-?-
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CHI
You may save the form locally to your computer and complete at your own pace. Chase can NOT
accept electronic signatures on these documents, so it's important that you print the document
and sign in all required places.
Delays in the process often are a result of missing information or signatures on required forms.
This packet contains the following items:
Section 1. Required Documentation for Borrower and Co-Borrower Checklist -
Detailed list of the documents you must send to us in addition to the packet
Section 2. Financial Information Form -
Provides information about your property, loans, income, etc.
Section 3. Home Affordable Modification Program Hardship Affidavit -
Explains the circumstances that have made it difficult foryou to stay:up-to-date
witli your mortgage payments
Segtiorr 4: 4506T4Z Reifuest-for Transcript of Tax Return Form -
?iilows Chase to receive a transcript'of your tax return to verify income information
If you need any assistance completing this packet please contact us at 866-550-5705.
Please send the completed packet as well as all required documentation to Chase:
By Regular Mail:
Chase Fulfillment Center
P.O. Box 469030
Glendale, CO 80246
By Overnight Mail:
Chase Fulfillment Center
4500 Cherry Creek Drive South
Suite #100
Glendale, CO 80246
t
By Fax: 866-282-5682
Important Information
Chase Home Finance LLC is attempting to collect a debt, and any information obtained will be used for that purpose
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be rejected in your credit report.
If you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney's name, address, and telephone number.
If you are currently a debtor in bankruptcy proceedings and subject to the protections of the automatic stay, or if you have received a final discharge In a bankruptc)b
this notice Is for compliance and/or Informational purposes only and not an attempt to impose personal liability for the debt in violation of the bankruptcy taws.
However, Chase Home Finance LLC still has the right under the Mortgage to foreclose on the Property.
'An importarrt reminder for all our customers; As stated in the "Questions and Answers for Borrowers about the Homeowner Affordability and stability Plan"
distributed by the Obama Admirdstradon, "Borrowers should beware of any organization that attempts to charge a fee for housing counseling or modification of
a delinquent loan, especially If they require a fee In advance." Chase offers loan modification assistance free of charge (La., no modHication fee required). Please
call us Immediately at 866-SSO-5705 to discuss your options. The longer you delay the fewer options you may have.
8705H EXH514_10-23-09-CF
In order for us to evaluate your request you must complete the enclosed packet; in full, and fax or
mail it to Chase with the required documentation.
Borrower(s) Name:
Loan Number(s):
Owner Occupied Non-Owner Occupied
SECTION 1: 'R q'U"ieW.DQcume i z ot? o Borrower:and Co=Borrower
If you are a Wage Earner (you receive a W-2 from your employer) please use the following checklist:
Two (2) most recent Pay Stubs (two for each borrower)
Length of service with Current Employer: Borrower Year(s): Month(sy Co-Borrower Year(s): Month(sk
E] Most recent one (1) month's of Complete Bank Statement (must provide all pages)
Q Most recent statement(s) supporting assets listed on page 2 of the financial Information Form (must provide all pages of statements)
Q Most recent Tax Return Completed (signed with all pages) or most recent filed and proof of extension (signed with all pages)
Proof of Income for other household members living in the home (Alknorry, Child Support, Persston, etc)
If you want such income considered for a loan workout
Proof of any other income received (Alimony, Rental, Child Support, Pension, etc.)
Proof of occupancy - a recent utility bill in your name at property address
If loan is Non-Escrowed
A) Copy of the most recent property tax bib(s) with a copy of the canceled check for all applicable taxes (County, City, School, etc)
B) Copy of the current Insurance declaration page for all applicable coverage types (must show premium amount for homeowner's, flood, and wind)
C) Proof of payment of Homeowner's Association Fees Of applicable)
Non-Owner Occupied (ONLY)
A) Rental Income with copies of Rental Agreement
B) Principal, Interest, Taxes, and Insurance for Primary Residence
C) Mortgage Holder(s) for Primary Residence
D) Primary Residence Address Qrpwt below)
Completed Financial Information Form (enclosed)
Completed Hardship Affidavit (enclosed) completed and signed by all Borrowers (no notary required)
Corriple?etF450617=E2 7.Request`f0rTranscript of Tax Returrf (encbbsedj ".sure to iilrrt.and date this form.
If you are Self Employed, please use the following checklist:
P & L Statement / Audited. or reviewed YTD hicome. Statement, (must provide}
Most "recent irvo (2) yeazs`1 ak Retu?fis Completed(persoa snd business, sighed -rift ail pages) or 10945 or most recent two (2) years filed and prooF
Of extension.
E] Last four (4) months' of complete Business and Personal Bank Statements (must provide all pages. If a business account is not used, provide a written
statement stating a business account is not used.)
Most recent statement(s) supporting assets listed on page 2 of the Financial Information Form (must provide all pages. If a business account is not
used, provide a written statement stating a business account is not used.
Most recent statement(s) supporting assets listed on page 2 of the financial Information Form (must provide all pages of statements)
0 Length of time of Business Ownership: Borrower Year(s): Month(s): Co-Borrower Year(s):- Month(s):
E]Proof of Income for other household members living In the home (Alimony, Child Support, Pension, etc.) .
if you want such income considered for a loan workout
F1 Proof of arty other Income received (Alknony, Rental, Child Support, Pension, etc)
E] Proof of occupancy - a recent utility bill in your name at property address
if loan is Non-Fsaowed
A) Copy of the most recent property tax bill(s) with a copy of the canceled check for all applicable taxes (County, City, School, etc.)
B) Copy'of the current Insurance declaration page for all applicable coverage types (must show premium amount for homeowner's, flood, and wind)
C) Proof of payment of Homeowner's Association Fees (if applicable)
? Non-Owner Occupied (ONLY)
A) Rental Income with copies of Rental Agreement
B) Principal, interest, Taxes, and Insurance for Primary Residence $
C) Mortgage Holder(s) for Primary Residence
D) Primary Residence Address (input below)
R Completed Financial Information Form (enclosed)
E] Completed Hardship Affidavit (enclosed) - completed and signed by all Borrowers (no notary required)
Completed 45067-EZ - Request for Transcript of Tax Return (enclosed.) Be sure to sign and date this form.
memory MGM$:
Comments:
CHSCVR-10-23-09
CHASE
Loan Number
Financial Information Form
Page 1 of 3
DiUCY rR'ms S6Wlr IIK quEsmm D"m as Ownple J and acorstely as
1AIM Only i)l761d t0 eid h the eyak and Of hO UepUwn`&ship pwamtkin options, riot for am Other DWI
Name (Include Jr. or Sr. If applicable) Name (Include Jr. or Sr. If applicable)
Social Security Number. Social Security Number
l
I
Home Phone: Best Time to Cal Home Phone: Best Time to Call:
Work Phone: Best Time to CaIL Work Phone: Best Time to Call:
Other Phone: Best Time to Call: Other Phone: Best Time to CalL•
E-mail Address E-mail Address
Permission to Contact Via E-mail? ? Yes ? No Permission to Contact Via E-mail? ? Yes ? No
Marital Status ? Unmarried ? Married ? Separated ? Divorced Marital Status ? Unmarrie ? Divorced ? Separated ? Married
Property Address (street, city, state & zip code) Mailing Address (street, city, state & zip code)
Reside at Property? Want to Retain Property? .
Borrower ? . Co-9orfower. ? Yes ? No.. of Peopt¢ In HousehoM: # of Dependents:
# of Units at Property: Property Condition Is the Property for Sale?
Good .. Fair Ustkg Ampunt:. .
Poor .. Yes F?jWp #ealtorName . fFeahorAddress < ..• Realtor Phone:
---------------
Loan Account Number Months Past Due:
Are you currently working with Chase on a foreclosure
prevention resolution? ? Yes ? No
WRch foreclosure resolution Is already in process?
? Refinance ? Deferment Deed-in-Lieu
Chase Associate Name:
: 1'
Second Loan Account Number. Second Loan Months Past Due Balance
Mortgage Company.
? Modification ? Repayment Plan ? Short Sale
Chase Associate Phone Date Process Began
are in an at tlve ba , we wll need to work with attorney your on a possible resolution.
Are you in Active Bankruptcy? Yes No Bankruptcy Chapter Type Bankruptcy Case Number Date of Bankruptcy Filing
Bankruptcy Associate Name Bankruptcy Attorney Address
Employer
Employer Address
Employer Phone:
Self Employed? n Yes
How long emptoyed7
No
Bankruptcy Attorney Phone
Employer
Employer Address
Employer Phone: How long employed?
Self Employed? n Yes No
CHOCAF-0509
CWASE'O
Borrower Name Financial Information Form
Loan Number .... ....... ... .
Page 2 of 3
Borrower Co-Borrower
Income Source Income Source
(Employer Name, Rental, etc Monthly Gross Income
(Employer Name, Rental, etc) Monthly Gross Income
Employer S Employer $
Employer $ Employer $
Employer $ Employer S
Rental Income S Rental Income S
Other $ Other
5
Other $
Other
$
Total $
Total
$
Additional Intone Description
Borrower / ABmor?y, child suPP.: [e 4?aintenance incortK need pot-be revealed if
Co-Borrower Borrower or Co-Borrower does not choose to have it considered for approval of a Monthly Amount
loan workout
S
S
Total $
.. . --. ;jti_'; ;?NryS=}?'..'si%-`•
. ?2ta?.?''?-:'J'i5liia'i?Fye• 'l.. r ?.t. y.?.?? 4 .., ^ .-,. ,. 4, !? _
r
Asset .
:
Amount Owed
Value r
Syr ?in
Vehicle Model/Year Amount Owed Valu
Home
$
$
Automobile e
S $
Other Real Estate $ Automobile
$ $
Retirement Funds $ $ Automobile
$
Investments $ $ Motonyde
S S
Checking Balance $ Boat
$ S
Savings Balance $ Motor Home
$
Other: $ Airplane
S $
Other: S $ Other.
S S
Other. $ $ pt;
$ $
Total $ S
Total $ $
CHOCFIF-oS09
CHASE
Borrower Name
Loan Numb
Financial Information Form
Page 3 of 3
NOW
4
?.
Monthly Expense Borrower Co-Borrower
Other Home Loans, Rents & Liens S S
Auto Loan(s) S $
Auto Insurance & Other Auto Expenses S S
Credit Cards & Installment Loans $ S
Health Insurance $ $
Medical Expenses $ $
Child Care, Child Support & Alimony $
S
Food S S
Miscellaneous Spending Money $ $
Utilities
Communications:(Phone, Cell Phone, Intemet) S.. $
-:'- -
TOTAL $ S
I agree that the firwndal information provided Is trueand accurate as of the date set forth opposite nature and that any intentional or ne ent misrepresentation
myslg gGg of
the information contakwiln this document mayresultM dull UabiUty, inducVig monetary damage; toarryperson who maysuffer any lass due to reliance upon the
documen4 and/orin afn* al penalties hxbrdlrg but not limited to fine orknpnEsonamw orboth underthe provisiovm of Title 18 United States Code, Sec. 1001, et seq. I
understandandacknowledge that anyaction taken by the lenderlsInstrktreUanceon the financialInformation provided. Mysignature/acceptance belowgrants the
holderof mymafgage orits designee the audiority to confirm the informat hn that I have disclosed In thisfinancial statement to verifyit as accurate byordedng a credit
report, and tocontactmyrealtorand/oraeditcounseft.servke. '
By providing a wireless felephonenumber, you consent to receiving autodialed and pre-recordedmessage calls from the lenderorits d*d-party debt collectorat that
number.
I represent that
? lam E] lam not
currentlyoccupying the propertysenurlg the loan as my primaryresidence and that I intend to continue occupying the property as my primaryresidence.
Borrower Signature
Date
Co-Borrower Signature
Date
CHOCFIF-0509
C..HASE O
SECTION 3: Home Affordable Modification Program Hardship Affidavit
Borrower Name (first, middle, last):
Co-Borrower Name (first, middle, last):
Property Street Address:
Property City, State and ZIP:
Servicer.
Loan Number.
Date of Birth:
Date of Birth:
In order to qualify for 's ("Servicer') offer to enter into an agreement to modify my loan under the federal
government's Home Affordable Modification Program (the "Agreement"),1/we am/are submitting this form to the Servicer and indicating by
my/our checkmarks ('X") the one or more events that contribute to my/our difficulty making payments on my/our mortgage loan.
Borrower Co-Borrower
Yes No Yes No My Income has been reduced or lost. For example: unemployment, underemployment, reduced job
? ? ? ? hours, reduced pay, or a decline in self-employed business earnings. I have provided details under
"Explanation' (page 3).
Yes No Yes No My household financial circumstances have'changed. For example: death in family, serious or chronic
? ? ? ? illness, permanent or short-term disability, increased family responsibilities (adoption or birth of a . . .
.. ahHd; taking tare of elderly retathres:or other family r nbers). C havepro0ded.deta11s:under :. - :.. ` .
"Exp[anation` (page 3).
Yes No Yes No My expenses have increased. For example: monthly mortgage payment has increased or will increase,
? ? ? ? high medical and health-care costs, uninsured losses (such as those due to fires or natural disasters),
unexpectedly high utility bills, increased real property taxes. I have provided details under
"Explanation" (page 3).
Yes No. Yes No My cash reserves are insufficient to maintain the payment on my mortgage loan and. cover basic
? ? ? living expense at the same time. Cash reserves include assets such as cash, savings, money market
funds, marketable stacks or bonds (excluding retirement accounts). Cash reserves do not include
assets that serve as an emergency fund (generally equal to three times my monthly debt payments). I
have provided details under "Explanation' (page 3).
Yes No Yes No My monthly debt payments are excessive, and I am overextended with my creditors. I may have used
? ? ? ? credit cards, home equity loans or other credit to make my monthly mortgage payments. I have
provided details under "Explanation" (page 3).
Yes No Yes No There are other reasons Itwe cannot make our mortgage payments. I have provided details under
? ? ? ? "Explanation" (page 3).
Page 1 of 4 HIFAFF-0909
Borrower Name
Loan Number
Information for Government Monitoring Purposes
The following information is requested by the federal government in.order to monitor compliance with federal statutes
that prohibit discrimination in housing. You are not required to furnish this information, but are encouraged to do so.
The law provides that a lender or servicer may not discriminate either on the basis of this information, or on
whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you
may check more than one designation. If you do not furnish ethnicity, race, or sex, the lender or servicer is required to
note the information on the basis of visual observation or surname if you have made this request for a loan modification
in person. If you do not wish to furnish the information, please check the box below
? 1 do not wish to furnish this information ? 1 do not wish to furnish this information
? Hispanic or Latino ? Hispanic or Latino
? Not Hispanic or Latino ? Not Hispanic or Latino
? American Indian or Alaska Native ? American Indian or Alaska Native
? Asian
?
Asian
? Black or African American ? Black or African American
? Native Hawaiian or Other Pacific Islander ? Native Hawaiian or other Pacific Islander
? Whhe White
? Female ? Female
. : Male . .
- El
Male
? Face-to-face interview 'Interviewer's Name Interviewer's Signature
? Mail
? Telephone
?
Internet Interviewer's Phone Number
Date
Name and Address of Interviewer's Employer
Borrower/Co-Borrower Acknowledgement
1. Under penalty of perjury, I/we certify that all of the information in this affidavit is truthful and the event(s) identified above has/
have contributed to my/our need to modify the terms of my/our mortgage loan.
2. I/we understand and acknowledge the Servicer may investigate the accuracy of my/our statements, may require me/us to provide
supporting documentation, and that knowingly submitting false information may violate Federal law.
3. I/we understand the Servicer will pull a current credit report on all borrowers obligated on the Note.
4. I/we understand that if I/we have intentionally defaulted on my/our existing mortgage, engaged in fraud or misrepresented any fact
(s) in connection with this Hardship Affidavit, or if I/we do not provide all of the required documentation, the Servicer may cancel
the Agreement and may pursue foreclosure on my/our home.
5. I/we certify that my/our property is owner-occupied and I/we have not received a condemnation notice.
6. I/we certify that I/we am/are willing to commit to credit counseling if it is determined that my/our financial hardship is related to
excessive debt.
7. I/we certify that I/we am/are willing to provide all requested documents and to respond to all Servicer communication in a timely
manner. I/we understand that time is of the essence.
Page 2 of 4 HIFAFF-0909
Borrower Name
Loan Number
8. I/we understand that the Servicer will use this information to evaluate my/our eligibility for a loan modification or other workout, .
but the Servicer is not obligated to offer me/us assistance based solely on the representations in this affidavit.
9. I/we accept and agree to all terms of the Home Affordable Modification Trial Period ("Trial Period") Plan which is incorporated
herein by reference as if set forth in fu4
10. I/we agree that when the Servicer accepts and posts a payment during the Trial Period it wIH be without prejudice to, and will not
be deemed a waiver of, the acceleration of my loan or foreclosure action and related activities and shall not constitute a cure of
my default under my loan unless such payments are sufficient to completely cure my entire default under my loan.
11. I/we agree that any prior waiver as to payment of escrow Items in connection with my loan has been revoked.
12. I/we agree to the establishment of an escrow account and the payment of escrow items if an escrow account never existed on my
loan.
13. I/we understand that Servicer will collect and record personal information, including, but not limited to, my name, address,
telephone number, social security number, credit score, income, payment history, government monitoring information, and
information about account balances and activity. I understand and consent to the disclosure of my personal information and the
terms of the Trial Period Plan and Modification Agreement by Servicer to (a) the U.S. Department of the Treasury, (b) Fannie Mae
and Freddie Mac in connection with their responsibilities under the Homeowner Affordability and Stability Plan; (c) any investor,
insurer, guarantor or servicer that owns, insures, guarantees or services my first lien or subordinate lien (if applicable) mortgage
loan(s); (d) companies that perform support services for the Home Affordable Modification Program and the Second Lien
Modification Program; and (e) any HUD certified housing counselor.
Borrower Signature Date . Co-Borrower Signature
E=mai1 Address E-tnailAddres .
Social Security Number: Social Security Number
Phone Numbers:
Cell:
Home:
Work:
Explanation:
Phone Numbers:
Cell:
Home:
Work: -
Page 3 of 4
MFAFF-0909
Borrower Name
Loan Ntfmber
Page 4 of 4 HIFAFF-0909
m 4 06T- EZ
Short Form Request for Individual Tax Return Transcript
K)ctober 26M OMB No. 1545-1154
D"Whmdo#tWTMWq ? Request may not be processed if the form Is incomplete or Illegible.
Tip: Use Form 4506T-EZ to order a 1040 series tax return transcript free of charge.
1 a Name shown on tax return. If a joint return, enter the name shown first lb First social security number on tax return
2a If a joint return, enter spouse's name shown on tax return
3 Current name, address (including apt, room, or suite no.), city, state, and ZIP code
4 Previous address shown on the last return filed if different from line 3
2b Second social security number K joint tax return
If the transcript is to be mailed to a third party (such as a mortgage company), enter the third party's name, address, and telephone number. The
S IRS has no control over what the third party does with the tax Information.
Third party name I Telephone number
Chase Fulfillment Center ( 866) 550-5705
Address (including apt, room, or suite no.), city, state, and ZIP code
Regular Mail: P.0: B0469030; Glendale, CO 80246.. .
Overnight Mail: 4500 Cherry Creek Drive South, Suite 100, Glendale, CO 80246
b . Year(s). requested. Enter the year(s) of the return transcript you are requesting (for example, -2008'). Most requests will be processed within
tO:business days.
2008 ` .. i
Caution. If the transcript is being mailed to a third party, ensure that you have filled in One 6 before signing. Sign and date the form once you have
filled in line 6. Completing these steps helps to protect your privacy.
Note. ff the in is unable to locate a return that matches the taxpayer identity information provided above, or ffIRS records indicate that the return has
not been filed the IRS may notffyyou or the third party that ft was unable to locate a return, of that a return was not Rfed whichever Is app?kabk-
Signature of taxpayer(s). I declare that i am either the taxpayer. whose name is.shown on One 1 a or 2a. ff the request applies to a joint return, either
husband or wife must sign.
Note. This form must be received within 60 days ofsrgnature date.
Telephone number of taxpayer on
line la or 2a
Sign _ _ , __. _ ,.__ ..._ ..............
Here
1-1(a
61 1
111- Spouses signature Owe
For Privacy Act and Paperwork Reductlon Act Notice, see page 2. Cat. No. 541855 Form 4506T-EZ (1 o-2oog)
45067-EZ (10-2009)
Purpose of form. Individuals can use Form
4506T-f2 to request a tax return transcript
that includes most litres of the original tax
return. The tax return transcript wilt not
show payments, penally assessments, or
adjustments made to the originally filed
return. You can also designate a third party
(such as a mortgage company) to receive a
transcript on line 5. Form 4506T-EZ cannot
be used by taxpayers who file Form 1040
based on a fiscal tax year (that is, a tax
year beginning in one calendar year and
ending in the following year). Taxpayers
using a fiscal tax year must file Form
4506-T, Request for Transcript of Tax
Return, to request a return transcript.
Use Form 4506-T to request the following.
e A transcript of a business return
(including estate and trust returns).
*An account transcript (contains
information on the financial status of the
account, such as payments made on the
account, penalty assessments, and
adjustments made by you or the IRS after
the return was filed).
e A record of account, which is a
combination of One item information and
latecadjustments to the account.
e A verification of nonfling, which is proof
fromthe.IRS that you did not-file a return
for the year..
• A Form W-2, Form 1099 series, Form
1098 series, or Form 5498 series transcript.
Form 4506-T can also be used for
requesting tax return transcripts.
Automated transcript request. You can
call 1-800.829-1040 to order a tax return
transcript through the automated self-help
system. You cannot have a transcript sent
to a third party through the automated
system.
Where to file. Mail or fax Form 45067 EZ
to the address below for the state you lived
in when that return was filed.
If you are requesting more than one
transcript or other product and the chart
below shows two different RAIVS teams,
send your request to the team based on
the address of your most recent return.
Where to mail...
If you filed an Mail or fax to the
individual return Internal Retremre
and lived in: SeMCe' aC
Alabama, Delaware, RAIVS Team
Florida, Georgia, P.O. Box 47-421
North Carolkia, stop 91
Rhode Island, South Doraville, GA 30362
Carolina, Virginia 170-455-
801-620-6922
Kentucky, Louisiana, RAIVS Team
Mississippi, Stop 6716 AUSC
Tennessee, Texas, a Austin. TX 73301
foreign country, or 512-460-2272
A.P.O. or F.P.O.
address
Alaska, Arizona,
California, Colorado,
District of Columbia,
Hawali, Idaho, Iowa,
Kansas, Maine,
Maryland.
Massachusetts, RAIVS Team
Minnesota, Montana, Stop 37106
New Hampshire, New Fresno, CA 93888
Mexico, New York 559-456-5876
North Dakota,
Oklahoma, Oregon,
South Dakota,. Utah,
Vermorrt,
Washington,
Wisconsin, Wyoming
.Arkansas. RAIVS Teatn -. •
Connecticut,. Illinois, Stop 6705-1341
Indiana, Michigan, Kansas City, MO
Missouri, New Jersey, 64999
Ohio, Pennsylvania, 816.292-6102
West Virginia
Signature and date. Form 4506T-EZ must
be signed and dated by the taxpayer listed
on line to or 2a. If you completed line 5
requesting the information be sent to a
third party, the IRS must receive Form
4506T-EZ within 60 days of the date Signed
by the taxpayer or it will be rejected.
Page 2
Transcripts of jointly filed tax returns
may be furnished to either spouse. Only
one signature is required. Sign Form
45067 EZ exactly as your name appeared
on the original return. If you changed your
name, also sign your current name.
Privacy Act and Paperwork Reduction
Act Nonce. We ask for the Information on
this form to establish your right to gain
access to the requested tax information
under the Internal Revenue Code. We
need this information to properly identify
the tax information and respond to your
request. Sections 6103 and 6109 require
you to provide this information, including
your SSN. If you do not provide this
information, we may not be able to process
your request. Providing false or fraudulent
information may subject you to penallies.
Routine uses of this information include
giving it to the Department of Justice for
civil and criminal litigation, and cities,
states, and the District of Columbia for use
in administering their tax laws. We may
also disclose this information to other
countries under a tax treaty, to federal and
state agencies to enforce federal nontax
criminal taws, or. to federal law erdorci ment
and'i ifqugence agencies to combat
terrorism.
You ale not reo6w to.:pi 10 ih
information-regeested on a torn #61-it
subject to the Paperwork Reduction Act
unless the form displays a valid OMB
control number. Books or records relating
to a form or its instructions must be
retained as long as their contents may
become material In the administration of
any Internal Revenue law. Generally, tax
returns and return Information are
confidential, as required by section 6103.
The time needed to complete and file
Form 45MT EZ will vary depending on
individual circumstances. The estimated
average time is: Learning about the law
or the form, 9 min.; Preparing the form,
18 min.; and Copying, assembling, and
sending the form to the IRS, 20 min.
If you have comments concerning the
accuracy of these time estimates or
suggestions for making Fort 4506T-EZ
simpler, we would be happy to hear from
you. You can write to the Internal Revenue
Service, Tax Products Coordinating
Committee, SE:W CAR:MP.T:T.SP,1111
Constitution Ave. NW, IR-6526,
Washington, DC 20224. Do not send the
form to this address. Instead, see Where to
fife on this page.