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Home My WebLink About11-2116MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire / No. 52634 Jacqueline F. McNally, Esquire / No. 201332 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff 3 FANNIE MAE ("FEDERAL NATIONAL MORTGAGE ASSOCIATION") C/O IBM LENDER BUSINESS PROCESS SERVICES, INC., AS SERVICER 14523 SW Millikan Way, Suite 200 Beaverton, OR 97005 PLAINTIFF v CINDY J. BLACK 806 Market Street New Cumberland, PA 17070 DEFENDANTS 27687CFC-DD COURT OF COMMON PLEAS OF CUMBERLAND COUNTY NO. ,I - o-JJU C1 Vi 1 Term CIVIL ACTION - MORTGAGE FORECLOSURE 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 Le han demandado a usted en la cone. 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 notification. Hace falta a sentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objec:iones a las demandas en contra de su persona. Sea a visado que si lusted no se defiende, la corte toma ra medidas y puede continuar la demanda en contra suya sin previo aviso o notification. Ademas, la corte puede decidir a favor del demandante y requiere que usted. cumpla con todas las provisioner de esta demanda. Usted puede perder dinero o sus propiedades o otros de rechos importantes Para usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO VAYA EN PERSONA O TELEFONA A LA OFICINA ESCRITA ABAJO. ESTA OFICINA LE PUEDE PROVEER INFORMACION SOBRE COMO CONTRATAR A UN ABOGADO. SI USTED NO TIENE EL DINERO SUFICIENTE PARA CONTRATAR A UN ABOGADO, LE PODEMOS DAR INFORMACION SOBRE AGENCIAS QUE PROVEEN SERVICIO LEGAL A PERSONAS ELEGIBLE PARA SERVICIOS A COSTO REDUCIDO O GRATUITO CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 800-990-9108 av? 5 C? 11439.a ? ass ?? g THIS IS AN ATTEMPT TO COLLECT A DEBT ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE, BE ADVISED THAT: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15. U.S.C. §1692, et seq. (1977), DEFENDANT(S) MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF. IF DEFENDANT(S) DO SO IN WRITING WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANT(S) WITH WRITTEN VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL SEND DEFENDANT(S) THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE. THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF THE THIRTY(30) DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS COMPLAINT IS TO BE. FILED IN THIS ACTION WITHIN TWENTY (20) DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME. FURTHERMORE, NO REQUEST WILL BE MADE TO THE COURT FOR A JUDGMENT UNTIL THE EXPIRATION OF THIRTY (30) DAYS AFTER YOU HAVE RECEIVED THIS COMPLAINT. HOWEVER, IF YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITHIN THE THIRTY (30) DAY PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT, THE LAW REQUIRES US TO CEASE OUR EFFORTS (THROUGH LITIGATION OR OTHERWISE) TO COLLECT THE DEBT UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS IN THIS SUIT. IF YOU HAVE FILED BANKRUPTCY AND RECEIVED A DISCHARGE, THIS IS NOT AN ATTEMPT TO COLLECT A DEBT. IT IS AN ACTION TO ENFORCE A LIEN ON REAL ESTATE. MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire / No. 52634 Jacqueline F. McNally, Esquire / No. 201332 649 South Avenue, Suite 7 27687CFC-DD Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff FANNIE MAE ("FEDERAL NATIONAL MORTGAGE ASSOCIATION") C/O IBM LENDER BUSINESS PROCESS SERVICES, COURT OF COMMON PLEAS OF CUMBERLAND COUNTY INC., AS SERVICER 14523 SW Millikan Way, Suite 200 Beaverton, OR 97005 PLAINTIFF V. CINDY J. BLACK 806 Market Street New Cumberland, PA 17070 NO. DEFENDANTS CIVIL ACTION - MORTGAGE FORECLOSURE THIS IS AN ATTEMPT TO COLLECT A DEBT ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE 1. Plaintiff is Fannie Mae ("Federal National Mortgage Association"), a corporation organized and existing under federal law, c/o IBM Lender Business Process Services, Inc., as Servicer, 14523 SW Millikan Way, Suite 200, Beaverton, OR 97005. 2. Defendant, Cindy J. Black is the mortgagor and real owner of premises 806 Market Street, New Cumberland, PA 17070, hereinafter described, whose last known address is listed in the caption. 3. Plaintiff brings this action in mortgage foreclosure against defendant, mortgagor, and real owner, to foreclose a certain indenture of mortgage made, executed and delivered by the above named defendant, mortgagor, and real owner to Mortgage Electronic Registration Systems, Inc. as Nominee for First Horizon Home Loans on August 21, 2007, which mortgage is recorded on August 31, 2007 in the Office of the Recorder of Deeds of Cumberland County as Instrument #200734098, secured on premises 806 Market Street, New Cumberland, PA 17070 a true and correct description of which is attached hereto as Exhibit I. 4. The mortgage has been assigned to Plaintiff herein by written assignment, a copy of which is attached hereto as Exhibit II. 5. Plaintiff alleges each and every term, condition and covenant in the aforesaid mortgage, and hereby incorporates them herein by reference thereto. 6. The aforesaid mortgage is in default in that monthly installments of principal and interest have not been made in conformity with the terms of the mortgage, from January 2009 and each month thereafter, up to and including the present time. 7. Under the terms of the aforesaid mortgage, upon default of payments set forth in the mortgage documents, the entire principal balance and all interest due thereon are collectible forthwith. 8. The following is an itemized statement of the amount due plaintiff under the terms of the aforesaid mortgage: Principal Balance Interest from 12/1/2008 to 2/2/2011 at $22.12 per diem Accrued Escrow deficit Attorney's Fee (5% of unpaid Principal balance) Title Information Certificate Total Amounts Due Suspense Total 111,366.40 $ 17,541.73 $ 4,982.04 $ 5,568.32 $ 450.00 $ 2,487.14 $ (795.67) $ 141,599.96 9. The attorney's fees set forth above are in conformity with the mortgage documents and Pennsylvania Law and will be collected in the event of a third party purchaser at Sheriffs sale. If the mortgage is reinstated prior to the Sheriffs sale, reasonable attorney's fees will be charged based on work actually performed. 10. Plaintiff sent to defendant, mortgagor, and real owner a combined Notice and Warning of Intention to Foreclose and Notices of Homeowners' Emergency Mortgage Assistance Act of 1983 advising of rights available under the statutes. To date payments have not been received and Act 91 assistance has not been granted, although the applicable time periods provided by statute have expired (Exhibit III). WHEREFORE, plaintiff demands judgment for foreclosure and sale of the mortgaged premises in the amount of $141,599.96, plus per diem interest at $22.12 from February 3, 2011 to the date of judgment plus costs thereon. Respectfully Submitted, MARTHA E. VON ROSENSTIEII. P.C. B / Martha E. Von Rosenstiel, Esquire Jacqueline F. McNally, Esquire Attorneys for Plaintiff VERIFICATION wcy Quinn hereby states that he/she is the Foreclosure Specialist of IBM Lender Business Process Services, Inc., Servicing Agent for Fannie Mae ("Federal National Mortgage Association"), plaintiff herein; that he/she is duly authorized to make this Verification on behalf of Plaintiff and verifies that the statements made in the foregoing Complaint in Fannie Mae ("Federal National Mortgage Association") c/o IBM Lender Business Process Services, Inc., as Servicer v. Cindy J. Black relating to the property located at 806 Market Street, New Cumberland, PA 17070 are true and correct to the best of his/her information and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unworn falsification to authorities. A,j YA Title: redosune SpKwbt IBM Lender Business Process Services, Inc. Servicing Agent for Fannie Mae ("Federal National Mortgage Association") Dated: ?Ilkll? LEGAL DESCRIPTION ALL THAT CERTAIN piece or parcel of land situate in the Borough of New Cumberland, County of Cumberland and State of Pennsylvania, and designated and known as Lot NO. 184 in a certain Plan of Lots called "Elkwood", recorded in the Cumberland County Recorder's Office in Deed Book M-5, Page 498, and bounded and described as follows, to wit: ON the East by Market Street, on the South by Lot No. 183, on the West by an alley, and on the North by lot now or formerly of Harvey Spangler, having a frontage of 39 feet on the said Market Street in the Village or section formerly known "Elkwood", Lower Allen Township now the Borough of New Cumberland, Cumberland County, Pennsylvania, and having a depth of 100 fete of even width to the aforesaid alley. HAVING THEREON ERECTED a one and one-half story frame dwelling house known and numbered as 806 Market Street, New Cumberland, Pennsylvania. TAX PARCEL NUMBER: 26-24-0811-278 EXHIBIT_ W-Pi'l 1 _% -0_ T_ PREPARED BY & WHEN RECORDED RETURN TO: LBPS 14523 SW MILLMW PAY #200 BEAVERTON, OR 970d5 ATTN couNTY CUMBERLAND PARCEL No. 26-24 -0811-278 POOL NO. ik-)AN NOS (8338456 ) [LB0106] ASSIGNMENT OF MORTGAGE KN0W ALL MEN BY THESE PRESEN'T'S, thatM3UGPM ELECRRCNlC RFG7STP_4=CK S=71oS5, 1M. SMELY AS N0063 FM PMST B3ZZ7XN MW IAANS A DIVISICK OF FIRST -- - - 7 KEIM BANK N.A., located at 1901 E V0 5' ST. SErnT C OANfTlLLS? IL 61834 hereinafter re- ferred to as Assignor, for and in consideration of the sum of ONE DOLLAR ($1.00) lawful money of the United States of America together with other good and valuable consideration, to it in hand paid by FEDERAL NATIONAL MORTGAGE ASSOCIATION located at 14221 LiUZM FAY, SMM 1000 DAUAS, 7X 75254 _ hereinafter referred co as Assignee at or before the delivery of these presents, the receipt of which is hereby acknowledged, has granted, bargained, sold, assigned, transferred, conveyed and set over unto said Assignee, its successors and assigns, all of its right, title and interest in and to that certain Mortgage dated the 215t day of AUGUST _'2007 made and executed by CINDY K. BLACK , mortgagor, to MORMW ST820ZZW lMTSTR TMV SYS72M, Dr SMELY AS R FM FJRST "=N MW I.OAK'3 A DZVZ^MM ar FIRST ZSQGISM BAW, N.A. Mortgagee, covering premises situated in the County CUMBERLAND , Comnonwealth of Pennsylvania, more particularly described therein and commonly known as: BOROUGH OF NEW CUMBERLAND PROPERTY ADDRESS : 806 APIRKET S7REST, NEW CC 1,,AND, PA 17070 Said Mortgage was duly recorded on the 31st day ofAUGUST 2007 in the office of the Register, Clerk of Recorder of Deeds of CUMBERLAND County, in Book at Page . or Document No. 200734098 of the Official Records of said Register, Clerk of Recorder of Deeds;together with that certain Note of even date and secured thereby in the principal amount of CCNL JWACFM TWELVE TBOEM4ND SZrVW FiUNCFM FCOT-TIBM and M1100----- , ( 112, 743.00 ) matte and executed by mortgagor and payable to the order of the aforementioned Mortgagee. As previously recorded from to on in Book _ at Page ----- - ---- - at Document No. and. from to - on in Book at Page at Document No. and from ~ to in Hook _ WMRI. PA. PH) at Page J=LB8 04 0110AI . s . 23 813 on at Document No. Page 1 of 2 oaw?r -1? Loan No. (8338456 ) [LB01061 To HAVE AND TO HOLD the same unto said Assignee, its successors and assigns to its and their proper use and benefit forever. IN WITNESS WHEREOF, the said NORM" 10=72aCWC RF?IS'I3?ATICN SYSTEM, im. SOLMY AS D1C6M= FM ROM IAX T" MW IMt_ A DIVISXCK OF FIRST 72NMSF9 BANK' N.A. caused these presents to be duly executed by its proper officer this 10th FEBRUARY 2011 but made effective MAY 1, 2010 1V127GWF ELECTR=C RBGISTRATICK SY973S, 12C. BODY AS AZ, IW " FIRST 1 BM L 3?W, A DIVISICK OF FIRST T4SB BANK N.A. BY day of By _ '1 J REBECCA H LEY VICE PRESIDENT STATE OF IDAHO COUNTY OF BONNEVILLE on FEBRUARY 10, 2011 , before me, MELISSA HIVELY personally appeared REBECCA HIGLEY and personally known to me (or proved to me on the basis of satisfactou:f evidence) to be the persons who execute the within instrument as VICE PRESIDENT and on behalf of ACIZIaAM ZW1=R=C SYST06, 1M. SCZAMY AS MOM= FM FIRST MUMN I"ff ZaW, A DIVTSICN OF FIRST TENMMSEE BANK N.A. and acknowledged to me that the Corporation executed it. MELISSA HIVELY (COM418S ON 07-28-14) Notary Public of =NOTARYPUBLIC ---------------------------- ------------------------------------ DO HEREBY CERTIFY THAT THE PRECISE ADDRESS OF THE ASSIGNEE RESIDENCE IS: FED7sRAL_ NATIONAL •_MORTGAGE _ASSOCIATION_ ,- -_ _.._.._. __ .._ _ ._... _. _............. _ . _. _ . -------------------------------- - ---------------------•--------- --- ------------ -- --------------- --- 14221 DALLAS PARKWAY,?_SUITE_ 1000 _ DALLAS_TX._75------------------------- REBECCA 54HIG LBPS VICE PRESID 14523 SW MILLIKAN WAY, #200 BEAVERTON, OR 97005 ATTN P=S. 002. 00179.280 MIN 1 0 00 852 0 0 61 70 0670 7 MF,IZS PRMU: 1-888-679-6377 (NIM .I.PA.2) C=5. 375. 0007 J=LB8040110AI. s. 23813 Page 2 of 2 ALL THAT CERTAIN piece or parcel of land situate in the Borough of New Cumberland, County of Cumberland and. State of Pennsylvania, and designated. and known as Lot NO. 184 in a certain Plan of Lots called "Elkwood recorded in the Cumberland County Recorder's Office in Deed. Book M:-5, Page 498, and bounded. and described as follows, to wit: ON the East by Market Street, on the South by Lot No. 1.83, on. the West by an alley, and on the North by lot now or formerly of Harvey Spangler, having a frontage of 39 feet on the said Market Street in the Village or section formerly known "Elkwood", Lower Allen "Township now the Borough of New Cumberland, Cumberland County, Pennsylvania, and having a depth of 100 fete of even width to the aforesaid alley. HAVING THEREON ERECTED a one and one-half story frame dwelling house known and numbered as 806 Market Street, New Cumberland, Pennsylvania. TAX PARCEL NUMBER: 26-24-0811-278 Arft L B P S Lender Business Process Services 14523 SW Millikan Way; Suite 200; Beaverton, OR 97005 Business Hours (Pacific Time) Mon-Thu 5:00am to 9:00pm; Fri 5:00am to 6:00pm Sat 6:00am to 12:00pm; Sun 11:00am to 5:00pm December 2, 2010 Payments P.O. Box 7162; Pasadena, CA 91109-7162 Correspondence CERTIFIED RETURN RECEIPT AND REGULAR FIRST CLASS MAIL PO Box 4121; Beaverton, OR 97076-4121 L1787 Phone BLACK, CINDY K 866.570.5277 806 MARKET ST Fax NEW CUMBERLAND, PA 17070 866.578.5277 Website www.lbps.com RE: Loan No.: 8338456 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE W W W.COLORADOA'rTORNEYGENERAL.GOV/CA. LBPS maintains a local office at 600 Seventeenth Street, Suite 800 North Tower, Denver, CO 80202. The office's phone number is 866.436.4766. NEW YORK CITY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commcrce and Insurance. IBM Lender Business Process Services, Inc. is licensed to do business at 14523 SW Millikan Way, Beaverton, OR. Ea(HIBI hearing can call 717-780-1869). BLACK, CINDY K Loan No.: Page 2 December 2, 2010 LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNERS' NAME(S): PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER: TENNESSEE BANK N.A. CURRENT LENDER/SERVICER: BLACK, CINDY K 806 MARKET ST NEW CUMBERLAND, PA FIRST HORIZON HOME LOANS, A DIVISION OF FIRST Lender Business Process Services HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. You must have a face-to-face meeting with one of the (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE W W W.COLORADOATTORNEYGENERAL.GOV/CA. LBPS maintains a local office at 600 Seventeenth Street, Suite 800 North Tower, Denver, CO 80202. The office's phone number is 866.436.4766. NEW YORK CITY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. IBM Lender Business Process Services, Inc. is licensed to do business at 14523 SW Millikan Way, Beaverton, OR. SLACK, CINDY K Loan No.: Page 3 December 2, 2010 designated consumer credit counseling agencies within thirty-three (33) calendar days. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the: consumer credit counseling agencies listed at the end of this Notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Mortgage Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HA VE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORA RIL Y PRE VENTED FROM S TAR TING A FORECL OSURE A GAINS T YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED 11 TEMPORAR Y S TA Y OF FORCLOSURE'. YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS E VENTUALL YAPPRO VED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on our application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COLORADOATTORNEYGENERAL.GOV/CA. LBPS maintains a local office at 600Seventeenth Street, Suite 800North Tower, Denver, CO 80202. The office's phone number is 866.436.4766. NEW YORK CITY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. IBM Lender Business Process Services, Inc. is licensed to do business at 14523 SW Millikan Way, Beaverton, OR. .BLACK, CINDY K Loan No.: Page 4 December 2, 2010 HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date.) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 806 MARKET ST NEW CUMBERLAND PA IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Your loan is delinquent for the following months: January 2009, February 2009, March 2009, April 2009, May 2009, June 2009, July 2009, August 2009, September 2009, October 2009, November 2009, December 2009, n 2 10 F brua? 2010, March 2010, April 2010, May 2010, June 2010, July 2010, August 2010, ept ember}g?c?ober 2010, November 2010, December 2010 Totals Principal $2,478.37 Interest 15,980.27 Escrow Installment 1,291.22 $19,749.86 Prior Servicer Other Open Charges: Charges LBPS Charges Late Charges $38.46 $269.22 $307.68 Legal/Attorney 140.00 0.00 140.00 Bankruptcy 1,750.00 0.00 1,750.00 Foreclosure 150.00 0.00 150.00 Property Inspections 15.00 56.00 71.00 $2,418.68 Less Suspense (Balance) $795.67 TOTAL $21,372.87 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS 21,372.87, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE W W W.COLORADOATTORNEYGENERAL.GOV/CA. LBPS maintains a local office at 600 Seventeenth Street, Suite 800 North Tower, Denver, CO 80202. The office's phone number is 866.436.4766. NEW YORK CITY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. IBM Lender Business Process Services, Inc. is licensed to do business at 14523 SW Millikan Way, Beaverton, OR. BLACK, CINDY K Loan No.: Page 5 December 2, 2010 Lender Business Process Services P.O. Box 7162 Pasadena, CA 91109-7162 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender will exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you curt; the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $ 50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period you will not be required to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any up to one hour before the Sheriffs Sale You may do so by paying the total amount then past due, plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender, and by performing any other requirements under the mortgage Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately eight (8) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender/servicer. (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WW W.COLORADOATTORNEYGENERAL.GOV/CA LBPS maintains a local office at 600 Seventeenth Street, Suite 800 North Tower, Denver, CO 80202. The office's phone number is 866.436.4766. NEW YORK CITY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. IBM Lender Business Process Services, Inc. is licensed to do business at 14523 SW Millikan Way, Beaverton, OR. BLACK, CINDY K Loan No.: Page 6 December 2, 2010 HOW TO CONTACT THE SERVICER: Name of Servicer: Address: Phone Number: Fax Number: Contact Person(s): E-Mail Address: Lender Business Process Services, Inc. PO Box 4121; Beaverton, OR 97076-4121 866.570.5277 877.649.0743 Holli Jennings or David Solomon ExternalCommunications@Ibps.co m EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You _ may or X may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT;: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER'THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Enclosed is a list of Consumer Credit Counseling Agencies serving your county. (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WW W.COLORADOATTORNEYGENERAL.GOV/CA. LBPS maintains a local office at 600 Seventeenth Street, Suite 800 North Tower, Denver, CO 80202. The office's phone number is 866.436.4766. NEW YORK CITY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. IBM Lender Business Process Services, Inc. is licensed to do business at 14523 SW Millikan Way, Beaverton, OR. SLACK, CINDY K Loan No.: Page 7 December 2, 2010 Sincerely, Lender Business Process Services Enclosures: PHFA list of HEMAP-approved agencies, How to Avoid Foreclosure THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE W W W.COLORADOATTORNEYGENERAL GOV/CA LBPS maintains a local office at 600 Seventeenth Street, Suite 800 North Tower, Denver, CO 80202. The office's phone number is 866.436.4766. NEW YORK CITY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. IBM Lender Business Process Services, Inc. is licensed to do business at 14523 SW Millikan Way, Beaverton, OR. HEMAP Consumer Credit Counseling Agencies Report last updated: 7/30/2010 8:57:41 AM CUMBERLAND County American Credit Counseling Institute 175 Strafford Avenue CCCS of Western PA Suite 1 2000 Linglestown Road Wayne, PA 19087 Harrisburg, PA 17102 610.971.2210 888.511.2227 888.212.6741 Community Action Commission of Capital Region American Financial Counseling Services Inc. 1514 Derry Street 1080 N. Delaware Avenue Harrisburg, PA 17104 Suite 200 717.232.9757 Philadelphia, PA 19125 Maranatha 267.228.7903 43 Philadelphia Avenue 800.490.3039 Waynesboro, PA 17268 American Financial Counseling Services Inc. 717.762.3285 405 West Germantown Pike PA Interfaith Community Programs Inc Norristown, PA 19403 40 E High Street 267.228.7903 Gettysburg, PA 17325 800.490.3039 717.334.1518 American Financial Counseling Services Inc. PHFA 175 Strafford Avenue 211 North Front Street Suite One Harrisburg, PA 17110 Wayne, PA 19087 717.780.3940 267.228.7903 800.342.2397 800.490.3039 DAUPHIN County American Red Cross of Chester 1729 Edgemont Avenue CCCS of Western PA Chester, PA 19013 2000 Linglestown Road 610.874.1484 Harrisburg, PA 17102 888 511.2227 APM 600 W Diamond Street Community Action Commission of Capital Region Philadelphia, PA 19122 1514 Derry Street 215.235.6070 Harrisburg, PA 17104 (267) 953-4615 717.232.9757 Carroll Park Community Council, Inc. PHFA 5218 Master Street 211 North Front Street Philadelphia, PA 19131 Harrisburg, PA 17110 215.877.1157 717.780.3940 800.342.2397 CCCS of Delaware Valley 4400 North Reese Street DELAWARE County Philadelphia, PA 19140 215.563.5665 Advocates for Financial Independence 1503 Wadsworth Ave CCCS of Delaware Valley Philadelphia, PA 19150 1003 East Lincoln Highway 267-323-2696 Suite 102 Coatesville, PA 19320 American Credit Counseling Institute 215.563.5665 526-528 Dekalb Street Norristown, PA 19401 CCCS of Delaware Valley 610.971.2210 113 East Main Street. 888.212.6741 2nd Floor Norristown, PA 19401 215.563.5665 Page 8 of 21 AM% LBPS'" Lender Business Process Services 14523 SW Millikan Way; Suite 200; Beaverton, OR 97005 Business Hours (Pacific Time) Mon-Thu 5:00am to 9:00pm; Fri 5:00am to 6:00pm Sat 6:00am to 12:00pm; Sun 11:00am to 5:00pm December 2, 2010 Payments P.O. Box 7162; Pasadena, CA 91109-7162 Correspondence CERTIFIED RETURN RECEIPT AND REGULAR FIRST CLASS MAIL PO Box 4121; Beaverton, OR 97076-4121 L1781 Phone BLACK, CINDY K 866.570.5277 PO BOX 89 Fax NEW CUMBERLAND, PA 17070 866.578.5277 Website www.lbps.com RE; Loan No.: 8338456 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE County are listed at the end of this Notice. If you have any questions you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (Persons with impaired hearing can call 717-780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COLORADOATTORNEYGENERAL.GOV/CA. LBPS maintains a local office at 600 Seventeenth Street, Suite 800 North Tower, Denver, CO 80202. The office's phone number is 866.436.4766. NEW YORK CITY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. IBM Lender Business Process Services, Inc. is licensed to do business at 14523 SW Millikan Way, Beaverton, OR. 'BLACK, CINDY K Loan No.: Page 2 December 2, 2010 LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNERS' NAME(S): PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER: TENNESSEE BANK N.A. CURRENT LENDER/SERVICER: BLACK, CINDY K 806 MARKET ST NEW CUMBERLAND, PA FIRST HORIZON HOME LOANS, A DIVISION OF FIRST Lender Business Process Services HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE.THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. You must have a face-to-face meeting with one of the (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE W W W.COLORADOATTORNEYGENERAL.GOV/CA. LBPS maintains a local office at 600 Seventeenth Street, Suite 800 North Tower, Denver, CO 80202. The office's phone number is 866.436.4766. NEW YORK CITY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. IBM Lender Business Process Services, Inc. is licensed to do business at 14523 SW Millikan Way, Beaverton, OR. ALACK, CINDY K Loan No.: Page 3 December 2, 2010 designated consumer credit counseling agencies within thirty-three (33) calendar days CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this Notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Mortgage Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILER HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROMSTARTINGA FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORCLOSURE' . YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLYAPPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsvlvania Housing Finance Agency of its decision on vour annlicatior NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE W W W.COLORADOATTORNEYGENERAL.GOV/CA LBPS maintains a local office at 600 Seventeenth Street, Suite 800 North Tower, Denver, CO 80202. The office's phone number is 866.436.4766. NEW YORK CITY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. IBM Lender Business Process Services, Inc. is licensed to do business at 14523 SW Millikan Way, Beaverton, OR. 'BLACK, CINDY K Loan No.: Page 4 December 2, 2010 HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date.) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 806 MARKET ST NEW CUMBERLAND PA IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Your loan is delinquent for the following months: January 2009, February 2009, March 2009, April 2009, May 2009, June 2009, July 2009, August 2009, September 2009, October 2009, November 2009, December 2009, teasµeq ten 2010, March 2010, April 2010, May 2010, June 2010, July 2010, August 2010, ptember cto er 2010, November 2010, December 2010 Principal $2,478.37 Interest 15,980.27 Escrow Installment 1,291.22 $19,749.86 Prior Servicer Other Open Charges: Charges LBPS Charges Late Charges $38.46 $269.22 $307.68 Legal/Attorney 140.00 0.00 140.00 Bankruptcy 1,750.00 0.00 1,750.00 Foreclosure 150.00 0.00 150.00 Property Inspections 15.00 56.00 71.00 $2,418.68 Less Suspense (Balance) TOTAL $795.67 $21,372.87 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS 21,372.87, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE W W W.COLORADOATTORNEYGENERAL GOV/CA LBPS maintains a local office at 600 Seventeenth Street, Suite 800 North Tower, Denver, CO 80202. The office's phone number is 866.436.4766. NEW YORK CITY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. IBM Lender Business Process Services, Inc. is licensed to do business at 14523 SW Millikan Way, Beaverton, OR. Totals BLACK, CINDY K Loan No.: Page 5 December 2, 2010 Lender Business Process Services P.O. Box 7162 Pasadena, CA 91109-7162 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender will exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will toe sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you curt; the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $ 50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If You cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at my tp to one hour before the Sheriff s Sale. You may do so by laving the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender, and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately eight (8) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender/servicer. (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COLORADOATTORNEYGENERAL OV/CA LBPS maintains a local office at 600Seventeenth Street, Suite 800North Tower, Denver, CO 80202. The office's phone number is 866.436.4766. NEW YORK CITY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. IBM Lender Business Process Services, Inc. is licensed to do business at 14523 SW Millikan Way, Beaverton, OR. BLACK, CINDY K Loan No.: Page 6 December 2, 2010 HOW TO CONTACT THE SERVICER: Name of Servicer: Lender Business Process Services, Inc. Address: PO Box 4121; Beaverton, OR 97076-4121 Phone Number: 866.570.5277 Fax Number: 877.649.0743 Contact Person(s): Holli Jennings or David Solomon E-Mail Address: ExternalCommunications@Ibps.com EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You _ may or X may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Enclosed is a list of Consumer Credit Counseling Agencies serving your county. (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE, OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COLORADOATTORNEYGENERAL.GOV/CA. LBPS maintains a local office at 600Seventeenth Street, Suite 800North Tower, Denver, CO 80202. The office's phone number is 866.436.4766. NEW YORK CITY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. IBM Lender Business Process Services, Inc. is licensed to do business at 14523 SW Millikan Way, Beaverton, OR. 'BLACK, CINDY K Loan No.: Page 7 December 2, 2010 Sincerely, Lender Business Process Services Enclosures: PHFA list of HEMAP-approved agencies, How to Avoid Foreclosure THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE. OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE W W W.COLORADOATTORNEYGENERAL.GOV/CA. LBPS maintains a local office at 600 Seventeenth Street, Suite 800 North Tower, Denver, CO 80202. The office's phone number is 866.436.4766. NEW YORK CITY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. IBM Lender Business Process Services, Inc. is licensed to do business at 14523 SW Millikan Way, Beaverton, OR. HEMAP Consumer Credit Counseling Agencies Report last updated: 7/30/2010 8:57:41 AM CUMBERLAND County CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 888.511.2227 American Credit Counseling Institute 175 Strafford Avenue Suite 1 Wayne, PA 19087 610.971.2210 888.212.6741 Community Action Commission of Capital Region 1514 Derry Street Harrisburg, PA 17104 717.232.9757 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 PA Interfaith Community Programs Inc 40 E High Street Gettysburg, PA 17325 717.334.1518 PHFA 211 North Front Street Harrisburg, PA 17110 717.780.3940 800.342.2397 DAUPHIN County CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 888.511.2227 Community Action Commission of Capital Region 1514 Derry Street Harrisburg, PA 17104 717.232.9757 PHFA 211 North Front Street Harrisburg, PA 17110 717.780.3940 800.342.2397 DELAWARE County Advocates for Financial Independence 1503 Wadsworth Ave Philadelphia, PA 19150 267-323-2696 American Credit Counseling Institute 526-528 Dekalb Street Norristown, PA 19401 610.971.2210 888.212.6741 American Financial Counseling Services Inc. 1080 N. Delaware Avenue Suite 200 Philadelphia, PA 19125 267.228.7903 800.490.3039 American Financial Counseling Services Inc. 405 West Germantown Pike Norristown, PA 19403 267.228.7903 800.490.3039 American Financial Counseling Services Inc. 175 Strafford Avenue Suite One Wayne, PA 19087 267.228.7903 800.490.3039 American Red Cross of Chester 1729 Edgemont Avenue Chester, PA 19013 610.874.1484 APM 600 W Diamond Street Philadelphia, PA 19122 215.235.6070 (267) 953-4615 Carroll Park Community Council, Inc. 5218 Master Street Philadelphia, PA 19131 215.877.1157 CCCS of Delaware Valley 4400 North Reese Street Philadelphia, PA 19140 215.563.5665 CCCS of Delaware Valley 1003 East Lincoln Highway Suite 102 Coatesville, PA 19320 215.563.5665 CCCS of Delaware Valley 113 East Main Street 2nd Floor Norristown, PA 19401 215.563.5665 Page 8 of 21 #27687DDCPG Martha E. Von Rosenstiel, P.C Martha E. Von Rosenstiel 649 South Avenue, Suite 7 P.O. Box 307 Secane, PA 19018 610 328-2887 Attorney I.D.# 52634 Attorney for Plaintiff FANNIE MAE ("FEDERAL NATIONAL COURT OF COMMON PLEAS MORTGAGE ASSOCIATION) C/O IBM CUMBERLAND COUNTY LENDER BUSINESS PROCESS SERVICES, : INC., AS SERVICER PLAINTIFF Case No: 2011-2116 VS. CINDY J. BLACK DEFENDANT r? C ° . „ rn ' c" ar- ? ®a tG -v CD-n c-, C :r n ° ril C PRAECIPE TO REINSTATE COMPLAINT IN MORTGAGE FORECLOSURE To the Prothonotary: Kindly reinstate the Complaint in Mortgage Foreclosure in the above Martha E. Von Rosenstiel Attorney for Plaintiff DATED: April 8, 2011 l1(? Lv? a?LG1tP 1?' .a-,-7Jtl7 FANNIE MAE ("FEDERAL NATIONAL MORTGAGE ASSOCIATION") C/O IBM LENDER BUSINESS PROCESS SERVICES, INC., AS SERVICER PLAINTIFF VS. CINDY J. BLACK DEFENDANT COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 2011-2116 N C:) Vic' ? r c,a r " ORDER AND NOW, this Z 6 Iday of J ,&P C-- , 2011, upon consideration of Plaintiff s Motion for Special Service and any response thereto (if any), it is hereby: ORDERED and DECREED that Plaintiff may obtain service on Cindy J. Black by mailing a true and correct copy of the Complaint in Mortgage Foreclosure and all subsequent notices, including but not limited to notice of sheriff's sale, by certified mail and regular, first class mail at the last known address, 806 Market Street, New Cumberland, PA 17070 and 16 May Drive, Dillsburg, PA 17019 and by posting the premises of 806 Market Street, New Cumberland, PA 17070. r Mou-& E. Vor,'Row-r-ls+?el , Ac - --T f"f-%T TT-IT. - 00016 14 1 Martha E. Von Rosenstiel, P.C. Martha E. Von Rosenstiel 649 South Avenue, Suite 7 P.O. Box 307 Secane, PA 19018 610 328-2887 Attorney I.D.# 52634 Attorney for Plaintiff #276 D P(?14?: _M -r W rnr,+ V : rrt r si C- c -0 3 G © 7 ri i FANNIE MAE ("FEDERAL NATIONAL COURT OF COMMON PLEAS MORTGAGE ASSOCIATION") CIO IBM CUMBERLAND COUNTY LENDER BUSINESS PROCESS SERVICES, : INC., AS SERVICER PLAINTIFF vs. CINDY J. BLACK DEFENDANT : Case No: 2011-2116 PRAECIPE TO REINSTATE COMPLAINT IN MORTGAGE FORECLOSURE To the Prothonotary: Kindly reinstate the Complaint in Mortgage Foreclosure in the above matter. DATED: June 8, 2011 Martha E. Von Rosenstiel Attorney for Plaintiff D $10.00 P D pmt C* 4(0400 & a&oL153 SHERIFF'S OFFICE OF CUMBERLAND COUNTY ?..z Ronny R Anderson Sheriff L4 of culflr'J, rnw c_ TL" lll r?Y Jody S Smith y «Z r Chief Deputy r" 3 Richard W Stewart `-? - itor li S OFF WP ,.T G CIF o c 7> cz - , fv Fannie Mae vs. Cindy J. Black Case Number 2011-2116 SHERIFF'S RETURN OF SERVICE 06/16/2011 05:17 PM - Gerald Worthington, Deputy Sheriff, who being duly sworn according to law, states that on June 16, 2011 at 1717 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Cindy J. Black, pursuant to order of court by posting the premises located at 806 Market Street, New Cumberland, Cumberland County, Pennsylvania 17070 with true and correct copy according to law. SHERIFF COST: $51.44 June 17, 2011 - A,62?L L?)- GWORTHINGTON, PUTY SO ANSWERS, RON R ANDERSON, SHERIFF ;q GountySulte Seen*. Teieosoft, Inc 27687-SS CSV Martha E. Von Rosenstiel, P.C. Martha E. Von Rosenstiel, Esquire Jacqueline F. McNally, Esquire 649 South Avenue, Unit 6 Secane, PA 19018 610 328-2887 Attorney I.D. # 52634 FANNIE MAE ("FEDERAL NATIONAL MORTGAGE ASSOCIATION") C/O IBM LENDER BUSINESS PROCESS SERVICES, : INC., AS SERVICER Plaintiff VS. CINDY J. BLACK Defendant(s) Attorney for Plaintiff - =` f r r - } COURT OF COMMON PLEAS<y> __J CUMBERLAND COUNTYf Case No: 2011-2116 CERTIFICATION OF SERVICE Martha E. Von Rosenstiel, Esquire, hereby certifies that she is the attorney for the plaintiff herein and that service of the Civil Action in Mortgage Foreclosure in the above matter was made upon on the defendants, CINDY J. BLACK by certified mail and by regular mail, pursuant to Court Order on June 22, 2011 . This verification is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. 6 ar" E. Von Rosenstiel, quire (Jacqueline F. McNally, Esquire Attorneys for Plaintiff DATED: June 22, 2011 FANNIE MAE ("FEDERAL NATIONAL, COURT OF COMMON PLEAS MORTGAGE ASSOCIATION") CIO IBM CUMBERLAND COUNTY LENDER BUSINESS PROCESS SERVICES, : INC., AS SERVICER PLAINTIFF NO: 201.1-2116 VS. CINDY J. BLACK DEFENDANT ORDER AND NOW, this aftO day of JLLnE ,1-011, upon consideration of Plaintiffs Motion for Special Service and any response thereto (if any), it is hereby: ORDERED and DECREED that Plaintiff may obtain service on Cindy J. Black by mailing a true and correct copy of the Complaint in Mortgage Foreclosure and all subsequent notices, including but not limited to notice of sheriff's sale, by certified mail and regular, first class mail at the last known address, 806 Market Street, New Cumberland, PA 17070 and 16 May Drive, Dillsburg, PA 17019 and by posting; the premises of 806 Market Street, New Cumberland, PA 17070. BY TIDE COURT: U.S. Postal Service T-1 CERTIFIED MAI LTr. RECEIPT (Domestic Mail Only; No insurance Coverage Provided) For `a;oi.rat'cc i`jit ov r website at www.usps.comm ru 07 Ir nj S O Return Receipt Fee M (Endorsement Required) O Restricted Delivery Fee 0 (Endorsement Required) ul r1.1 Total Postage & Fees Ir M 0 I` {pomestic Mail Only; No Insv.rance Coverage Provddec 1 91 FOrdelivery intormation visrst WBbstt@ at www.uspS.com fu (__- 11- P1• r0 IJll>; ?' Postage i , , _-___ ,• - I ?? ? Certified Fee - ?- ? O Return Receipt Fee _ ??•MIl . 1 '7""ark 1 ere p (Endorsement Required) j f - H Restricted Delivery Fee III+0 ? rj (Endorsement Required) Ln 1711 Total Postage & Fees $6.8s 4 0 Se t Stree rk 806 M t e a - .-.__-_--- -_________________-________- timberland PA 17 070 , City, State, ZJP+4 , _ ? T IF) CATE OF MAILING r ffra (cc hcrt in stamps ?lALSERVICE CER Pt P& 1u poslaEc and ND rtTMRNAl10 NO(Gk HF USED FOR DOM15T1CA c MASTER P0 1 NCE N 47 Post . Inqunc of - nt A S r U VIDE f OR r ti Rccci-cdRorrj,: I _ PITNEY 80,r$ ` 02 1P 001 0 SEN .1,5 0 MARTHA VON RO 001669.279 JUN 22 2011 649 SOUTH AVE MAILED ROM ZIP CODE 1 901 ? If-NIT 7 SECANE, PA 19018 PA One piccc of ordinary mail addresscd Io: 8d 16 May Drive :1 1111L r cn ? ?, ? ...r co j I C 4 Q ?twi CERTIFICATE OF MAILING 10 P* fec hcn: in stamps U PCSIAL SERVICE Rn-ERNA11O 0 Or *jet poslart and ^ND MAY BE USED F OR DOMESTIC PO ST tA A57ER ti dr?e of PROVIDE- FOR rN51JRANCE- - y11 _? D PtTNEY BoWEs Rcccivcd From I 02 1 P $001.1,50 N ROSEN ' 0001669279 JUN 22 2011 JeRT O MAILED ROM ZIP CODE " 901 8 6449 SVOUTHAVL-NUE 9 UNIT 7 SECANE, PA 19018 ? ?NF p -1 piccc of oidir-my mail addre• -scd lo: C C) 806 Market Street O. ¢ USPS J I'C Firm 1R 17- Mar. 1 989 ?? #27687CFJ-DN IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FANNIE MAE ("FEDERAL NATIONAL MORTGAGE ASSOCIATION") Plaintiff V. CINDY J. BLACK NO. 2011-2116 ?a .<> C') ` _ 0 D G kD C) x Defendant(s) PRAECIPE FOR DEFAULT JUDGMENT To the Prothonotary: (XX) Enter judgment in favor of Plaintiff and against: Cindy J. Black for want of an answer. (X) Assess Damages as Follows Debt Interest from 2/3/11 to 7/27/11 At $22.12 per diem Total $ 141,599.96 $ 3,871.00 $ 145,470.96 I CERTIFY THAT THE FOREGOING ASSESSMENT OF DAMAGES IS FOR SPECIFIED AMOUNTS ALLEGED TO BE DUE IN THE COMPLAINT AND IS CALCULABLE AS A SUM CERTAIN FROM THE COMPLAINT. I certify that written notice of the intention to file this Praecipe was mailed or delivered to the party against whom judgment is to be entered and to his attorney of record, if any, after the default occurred and at least (10) days prior to the date of the filing of this Praecipe. A copy of the Notice is attached. R.C.P. 237.1 Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P.C. BY:GI U M'-' V` E. Von Rosenstiel, F?quire Irt ,Jh Jacqueline F. McNally, Esquire (JMAAttnrnP s for Plaintiff Q.V4 op pda C?t? 4?au 8 y ?( b 9150 0 ?vp?,? lac (ed This p? day of Jt&t 2011 judgment is entered in favor of the Plaintiff and against Defendant(s), Cindy J. Black by default for want an a era mages asse at the sum of $145,470.96 as per the above certification. 4% 00" Protho , cum erlan ounty MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire / No. 52634 Jacqueline F. McNally, Esquire / No. 201332 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff FANNIE MAE ("FEDERAL NATIONAL MORTGAGE ASSOCIATION") C/O IBM LENDER BUSINESS PROCESS SERVICES, INC., AS SERVICER 34523 SW Millikan Way, Suite 200 Beaverton. OR 97005 PLAINTIFF V. CINDY J. BLACK 806 Market Street New Cumberland, PA 17070 DEFENDANT TO: Cindy K. Black 806 Market Street New Cumberland, PA 17070 427687CTD - DD COURT OF COMMON PLEAS CUMBERLAND COUNTY Case No: 2011-2116 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW, THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 800-990-9108 Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P.C. BY: DC' a E. Von Rosen tiel, quire f acqueline F. McNally, Esquire 1?1,._,tlttorneys for Plaintiff Dated: July 13, 2011 #27687CTD - DD MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire / No. 52634 Jacqueline F. McNally, Esquire / No. 201332 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff FANNIE MAE ("FEDERAL NATIONAL COURT OF COMMON PLEAS MORTGAGE ASSOCIATION") C/O IBM CUMBERLAND COUNTY LENDER BUSINESS PROCESS SERVICES, INC.. AS SERV ICER 14523 SW Millikan Way, Suite 200 Beaverton, OR 97005 PLAINTIFF Case No: 2011-2116 CINDY J. BLACK 806 Market Street New Cumberland. PA 17070 DEFENDANT TO: Cindy K. Black 16 May Drive Dillsburg, PA 1701.9 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 800-990-9108 Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P.C. BjAttomeys E. Von R senstiel, Esq queline F. Mci?Tally, Esquire for Plaintiff Dated: July 13, 2011 #27687CFJ-DN MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire / No. 52634 Jacqueline F. McNally, Esquire / No. 201332 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff FANNIE MAE ("FEDERAL NATIONAL COURT OF COMMON PLEAS MORTGAGE ASSOCIATION") CUMBERLAND COUNTY Plaintiff vs. No: 2011-2116 CINDY J. BLACK Defendant(S) NON MILITARY AFFIDAVIT mains c/ - all-lip Esquire hereby certifies that: 1. I am the attorney for the plaintiff herein. 2. The individual involved in this action is the owner of the premises described in the mortgage underlying this action. 3. The procedures of the Law Office of Martha E. Von Rosenstiel, P.C. are designed to discover facts concerning the military status of the mortgagor(s) and/or real owner(s). 4. Said procedures were followed in connection with the instant foreclosure proceeding. 5. Inquiry made with the Department of Defense, has confirmed that the defendant(s) is/are not in the military. 6. On information and belief, named mortgagor(s) and real owner(s) is/are not incompetent nor a service member in military service as defined by the Servicemembers Civil Relief Act, 50 U.S.C. Appx. Section 501 et seq. This verification is made subject to the penalties of 18 Pa.C.S. §4904 relating to unsworn falsification to authorities. Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P.C. ?la hh E. Von Rosenstiel, Esq@re acqueline F. McNally, Esquire ttorneys for Plaintiff Dated: July 27, 2011 OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Court House, 1 Courthouse Square, Carlisle, PA 17013 Cindy J. Black 16 May Drive Dillsburg, PA 17019 FANNIE MAE ("FEDERAL NATIONAL MORTGAGE ASSOCIATION") PLAINTIFF David D. Buell, Prothonotary COURT OF COMMON PLEAS CUMBERLAND COUNTY VS. CINDY J. BLACK NO: 2011-2116 DEFENDANT(S) Notice Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below in the amount of $145,470.96 on July 27, 2011. David D.. Buell Prothonot RI Judgment by Default 3WO009P w Money Judgment 1-1 Judgment in Replevin Judgment for Possession ? Judgment on Award of Arbitration Judgment on Court Findings If you have any questions concern in this notice, please call: LWLM? -12 Attorney , WEsquire at this telephone number:610-328- 2887. OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Court House, 1 Courthouse Square, Carlisle, PA 17013 Cindy J. Black 806 Market Street New Cumberland, PA 17070 FANNIE MAE ("FEDERAL NATIONAL MORTGAGE ASSOCIATION") PLAINTIFF VS. CINDY J. BLACK DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 2011-2116 Notice Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below in the amount of $145,470.96 on July 27, 2011. David D. Buell Prothonotary 0 Judgment by Default Money Judgment •? ,?-"".? ? Judgment in Replevin David D. Buell, Prothonotary Judgment for Possession ? Judgment on Award of Arbitration Judgment on Court Findings If you have any questions concerning this notice, please call: Attorney .Esquire at this telephone number: 610-328-2887. ON " WON WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 11-2116 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due FANNIE MAE "FEDERAL NATIONAL MORTGAGE ASSOCIATION", Plaintiff (s) From CINDY J. BLACK (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: $145,470.96 L.L.: $.50 Interest from 7/28/11 to 12/7/2011 AT 6% - - $3,180.03 Atty's Comm: % Due Prothy: $2.00 Atty Paid: $305.68 Other Costs: Plaintiff Paid: Date: 7/29/11 David D. Buell, Prothonota (Seal) Deputy REQUESTING PARTY: Name: JACQUELINE F. MC:NALLY, ESQUIRE Address: MARTHA E. VON ROSENSTIEL, P.C. 649 SOUTH AVENUE, UNIT #6 SECANE, PA 19018 Attorney for: PLAINTIFF Telephone: 610-328-2887 Supreme Court ID No. 201332 f 27687C WE-DN ? Commonwealth of Pennsylvania COUNTY OF CUMBERLAND FANNIE MAE ("FEDERAL NATIONAL MORTGAGE COURT OF COMMON PLEAS ASSOCIATION") CINDY J. BLACK V. DOCKET NO. 2011-2116 ATTORNEY I.D. # ,61/ 3?), Praecipe for Writ TO THE PROTHONOTARY: Issue Writ of Execution in the above matter: AMOUNT DUE INTEREST from 7/28/2011 to 12/7/2011 At6% TOTAL* *Plus costs to be endorsed of Execution L_ r7l cn tv :,Z)Cj -< r-M Cj f M a -c C D >C-) ter, -- $ 145,47$' `•? ?r' $ 3,180.03 $ 148,650.99 Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P.C. PREM: 806 Market Street, New Cumberland, PA 17070 ?1. q1 u (4 (f to q 9.00uv )0.06(k IU. oott it y, co tit/ d. sort v ,S-;U5-U% P, a V. SoLL? U*y-)ay8 e,?° alaa50c? BJacqueline a a E. Von Rosensd el, quire F. McNally, Esquire Attorneys s for Plaintiff WV1 ? 4 4 E D?-g-14tcl W? CIO o? Q z U ? w W O? H? U N O N °z z O zz Q U TWO Q W W ¢ r r-, W ? w? U G U C O V wN 4-o O O u C) w a? do um •O to Qr 'v i, A.r ? C, O p 0 O 00 o CIA Q ? o zW--? ? o ?" N \ Q O W c cn M N ? M N c,? ? O ?z w ? ? a 00 o + 00 a 00 ai u N o N M #27687-DN MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire / No. 52634 Jacqueline F. McNally, Esquire / No. 201332 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff FANNIE MAE ("FEDERAL NATIONAL MORTGAGE ASSOCIATION") Plaintiff VS. CINDY J. BLACK Defendant(s) COURT OF COMMON PLEAS CUMBERLAND COUNTY : NO: 2011-2116 LEGAL DESCRIPTION ALL THAT CERTAIN piece or parcel of land situate in the Borough of New Cumberland, County of Cumberland and State of Pennsylvania, and designated and known as Lot NO. 184 in a certain Plan of Lots called "Elkwood", recorded in the Cumberland County Recorder's Office in Deed Book M-5, Page 498, and bounded and described as follows, to wit: ON the East by Market Street, on the South by Lot No. 183, on the West by an alley, and on the North by lot now or formerly of Harvey Spangler, having a frontage of 39 feet on the said Market Street in the Village or section formerly known "Elkwood", Lower Allen Township now the Borough of New Cumberland, Cumberland County, Pennsylvania, and having a depth of 100 fete of even width to the aforesaid alley. HAVING THEREON ERECTED a one and one-half story frame dwelling house known and numbered as 806 Market Street, New Cumberland, Pennsylvania. TAX PARCEL NUMBER: 26-24-0811-278 IMPROVEMENTS: Residential dwelling TITLE TO SAID PREMISES IS VESTED IN Cindy K. Black, her heirs and assigns by Deed from Michael S. Kerstettle and Heather N. Kerstettle, husband and wife dated 8/28/2003 and recorded 9/2/2003 in Record Book 259,Page 15. MARTHA E. VON ROSENSTIEL., P.C. Martha E. Von Rosenstiel, Esquire/ No. 52634 Jacqueline F. McNally, Esquire / No. 201332 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff FANNIE MAE ("FEDERAL NATIONAL MORTGAGE ASSOCIATION") Plaintiff VS. CINDY J. BLACK Defendant(s) : #27687CAM - DN COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 2011-2116 M CD C-- F" A ko CD r- "C O CD C> c ? ?rr^ Co AFFIDAVIT OF NOTICE PURSUANT TO RULE 3129.1 J-- vv Nwi'We Fr McP ESQUIRE, attorney for the Plaintiff in the above action, sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at 806 Market Street, New Cumberland, PA 17070: 1. Name and address of owners(s) or reputed owner(s) Cindy K. Black PO Box 89 New Cumberland, PA 17070 and 806 Market Street New Cumberland, PA 17070 and 16 May Drive Dillsburg, PA 17019 2. Name and address of defendant(s) in the judgment: Cindy K. Black PO Box 89 New Cumberland, PA 17070 and 806 Market Street New Cumberland, PA 17070 and 16 May Drive Dillsburg, PA 17019 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: NONE 4. Name and address of the last recorded holder of every mortgage of record: NONE 5. Name and address of every other person who has any record lien on the property: NONE 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: NONE 7. Name and address of every other person of whom plaintiff has knowledge who has any interest in the property which may be affected by the sale: Cumberland County.Tax Claim ; 1 Courthouse Square Carlisle, PA 17013 Cumberland Register of Wills County Courthouse Carlisle, PA 17013 Attorney General of the U.S. C/O Assistant Attorney General Tax Division U.S. Department of Justice P.O. Box 227 Washington, DC 20044 PA Dept of Revenue Inheritance Tax Bureau Strawberry Square, 1 Ith Floor Harrisburg, PA 17128 Family Court/Domestic Relations 1 Courthouse Square Carlisle, PA 17013 PA. Department of Revenue Bureau of Compliance Attn: Sheriff Sale Section P.O. Box 218230 Harrisburg, PA. 17128-1230 Dept of Public Welfare P.O. Box 2675 Harrisburg, PA 17105 Pennsylvania Department of Revenue Bureau of Individual Taxes PO Box 280603 Harrisburg, PA 17128-0603 Occupant 806 Market Street New Cumberland, PA 17070 I verify that the statements made in this affidavit are true and correct upon information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P.C. BY: C? ,--Ma & E. Von Rosenstiel, s uire (-?ttorneys cqueline F. McNally, Esquire for Plaintiff Dated: July 26, 2011 MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire / No. 52634 Jacqueline F. McNally, Esquire / No. 201332 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff FANNIE MAE ("FEDERAL NATIONAL MORTGAGE ASSOCIATION") Plaintiff COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. ; CINDY J. BLACK No: 2011-2116 Defendant(s) CERTIFICATE TO THE SHERIFF #27687-CWE-DN ,j a^- rn'? r? pn :tea z„c C=' C r- ?Ca Cr co M -. C -+ C1 C) O ?' :try I hereby certify that I am the attorney of record for the plaintiff in this action again real property and further certify that this property is: FHA - Tenant Occupied or Vacant 0 Commercial As a result of a Complaint in Assumpsit XX 'That the plaintiff has complied in all respects with Section 403 of the Mortgage Assistance Act including, but not limited to: (a) Service of the Notice on the Defendants (b) Expiration of the 30 days since Service of the Notice (c) Defendants' failure to request or appear at meeting with mortgagee or Consumer Credit Counseling Agency (d) Defendants' Failure to file application with the Homeowners Emergency Assistance Program I further agree to indemnify and hold harmless the Sheriff for any false statement given herein. Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P.C. BY M a E. Von Rosenstiel, E ire Jacqueline F. McNally, Esquire Attorneys for Plaintiff MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire / No. 52634 Jacqueline F. McNally, Esquire / No. 201332 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff Fannie Mae ("Federal National Mortgage Association") c/o IBM Lender Business Process Services, Inc., as : Servicer 14523 SW Millikan Way, Suite 200 Beaverton OR 97005 Plaintiff vs. Cindy J. Black 806 Market Street New Cumberland, PA 17070 Defendants COURT OF COMMON PLEAS CUMBERLANDCOUNTY M C = ... crs r` sv ? No: 2011-2116 -? 1 ' ,t? V r--: AFFIDAVIT OF LAST KNOWN ADDRESS COMMONWEALTH OF PENNSYLVANIA: SS COUNTY OF DELAWARE F. MeNdy attorney for the plaintiff in the above action, sets forth as of the date the praecipe for the Writ of Execution was filed the following information concerning the last known addresses of the defendants are: 1. Name and address of owners(s) or reputed owner(s) and/or defendant(s) in the judgment: Cindy K. Black PO Box 89 New Cumberland, PA 17070 and 806 Market Street New Cumberland, PA 17070 and 16 May Drive Dillsburg, PA 17019 I verify that the statements made in this affidavit are true and correct upon information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P.C. BY- aY h E. Von Rosenstiel, squ acqueline F. McNally, Esquire Attorneys for Plaintiff r i MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire / No. 52634 Jacqueline F. McNally, Esquire / No. 201332 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff FANNIE MAE ("FEDERAL COURT OF COMMON PLEAS NATIONAL MORTGAGE CUMBERLAND COUNTY ASSOCIATION") Plaintiff vs. : No: 2011-2116 (-TNDY J. BLACK Defendant(s 52768XAM-DN - "- -T- rn co rn C- s'1 E.: Pr 4 ' , C - ....- c:) -;^ ?n zx :7-- F p s, C) C:r! `a NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO ALL PARTIES IN INTEREST AND CLAIMANTS: The real estate and improvements, if any, located at and known as 806 Market Street New Cumberland, PA 17070 will be sold by the Sheriff of Cumberland County on Date of Sale: December 07, 2011 Time of Sale: 10:00 a.m. Place of Sale: Cumberland County Court House, 1 Courthouse Square, Carlisle, PA 17013. This sale is being held on a Judgment in Mortgage Foreclosure filed under Docket No. 2011- 2116 in the Court of Common Pleas of Cumberland County by Fannie Mae ("Federal National Mortgage Association"), Plaintiff against Cindy J. Black, Defendant(s). Judgment was entered on July 27, 2011 in the amount of $145,470.96. The property was seized and taken in execution as the property of Cindy J. Black. The property to be sold at Sheriff's Sale is described as follows: ALL THAT CERTAIN piece or parcel of land situate in the Borough of New Cumberland, County of Cumberland and State of Pennsylvania, and designated and known as Lot NO. 184 in a certain Plan of Lots called "Elkwood", recorded in the Cumberland County Recorder's Office in Deed Book M-5, Page 498, and bounded and described as follows, to wit: ON the East by Market Street, on the South by Lot No. 183, on the West by an alley, and on the North by lot now or formerly of Harvey Spangler, having a frontage of 39 feet on the said Market Street in the Village or section formerly known "Elkwood", Lower Allen Township now the Borough of New Cumberland, Cumberland County, Pennsylvania, and having a depth of 100 fete of even width to the aforesaid alley. HAVING THEREON ERECTED a one and one-half story frame dwelling house known and numbered as 806 Market Street, New Cumberland, Pennsylvania. TAX PARCEL NUMBER: 26-24-0811-278 IMPROVEMENTS: Residential. Dwelling A schedule of distribution will be filed by the Sheriff on a date specified by the Sheriff no later than 30 days after said sale, and distribution will be made in accordance with the schedule unless exceptions are filed thereto within ten (10) days after the date of the filing of said schedule. Judgment was recovered in the Court of Common Pleas of Cumberland County Civil Action No. 2011-2116. You should check with the Sheriff's Office by calling (717) 240-6390 to determine the actual date of the filing of the schedule. No further notice of the filing of the Schedule of Distribution will be given. R. Thomas Kline, Sheriff of Cumberland County ATTORNEY FOR PLAINTIFF: MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire / No. 52634 Jacqueline F. McNally, Esquire / No. 201332 Attorney for Plaintiff 649 South Avenue, Unit #6 Secane, PA 19018 Phone: (610) 328-2887 Fax: (610) 328-2875 427687CAM - DN ' MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire / No. 52634 Jacqueline F. McNally, Esquire / No. 201332 ,.--) 649 South Avenue, Suite 7 -- Secane, PA 19018 M? (610) 328-2887 ' r- ? L? t;~=.w l Attorneys for Plaintiff - t> n kz: ,I c FANNIE MAE ("FEDERAL NATIONAL COURT OF COMMON PLEAS MORTGAGE ASSOCIATION) CUMBERLAND COUNTY =o Plaintiff v C= . VS. , NO: 2011-2116 CINDY J. BLACK Defendant(s) AFFIDAVIT OF SERVICE OF NOTICES PURSUANT TO RULE 3129.1 F. MCN@Ny ESQUIRE, attorney for the Plaintiff in the above action, hereby verifies that on 2 - - I ( , true and correct copies of the Notice of Sheriffs Sale were served upon Defendant pursuant to COURT ORDER dated June 2, 2011 and upon recorded lienholders and any known interested parties by regular first class mail, postage prepaid with Certificate of Mailing evidencing said service attached hereto as Exhibit I. I verify that the statements made in this affidavit are true and correct upon information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P.C. BY: G v a E. Von Rosenstiel, Es ire (Jacqueline F. McNally, Esquire Attorneys for Plaintiff FANNIE MAE ("FEDERAL NATI.ONAI, MORTGAGE ASSOCIATION") C/O IBM LENDER BUSINESS PROCESS SERVICES, INC., AS SERVICER PLAINTIFF VS. CINDY J. BLACK DEFENDANT COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 2011-2116 ORDER AND NOW, this 01Y14 day of JLLne 2011, upon consideration of Plaintiffs Motion for Special Service and any response thereto (if any), it is hereby: ORDERED and DECREED that Plaintiff may obtain service on Cindy J. Black by mailing a true and correct copy of the Complaint in Mortgage Foreclosure and all subsequent notices, including? but not limited to notice of'sheriffs sale, by certified mail and regular, first class mail at the last known address, 806 Market Street, New Cumberland, PA 17070 and 16 -lay Drive. Dillsburg, PA 17019 and by Rostingthe premises of 806 Market Street, New Cumberland, PA 17070. BY THE LOUR"T-. H m i's I T a m I POPE!! rt I - 1 r ii t` r 7 n- ru " $ :0 ! 1lf3 ?I A??-i ? _ _ ? 0 806 MarKet SIr eei . _ -------- 4}1ii,umberland PA 17070 00 -? , - ------------ ----- -- ----- -------------- Y ? ? ` t?1ra Y s . U a ., K ° = _ ru Er 6. ?! a r . SCI 1 G\ .2 3fi El s - ru $5-5? ilv Ii f U o s -.,-I 11r1a?c-Qrive.__._.- - It . Po 'Riburg PA 1701 9 , -- - MAY BE USED FOR DOKESTIC AND INTER NA f ROvIDE FOR INSURANCE-POSTMASTER Received From: tt MARTHA VON ROSENIM 649 SOUTH AVENUE UNIT 7 SECANE, PA 19018 One piece of ordinary mail addressed to: CINDY J. BLACK 80B Market S trtmpt New Cumberland, PA 17070 MAY BE USED FOR DOWS71C AND INMRNA PROVIDE FOR INSURANCE-POSTMASTER Received From: r, tt MARTHA VON ROSENSIR 649 SOUTH AVENUE UNIT 7 S ECANE, PA 19018 One piece of ordinary mail addressed to: fee her in stamps clef postage and fcc ar .u u r;, 001.1 .' a _ s A#r fee here in stamps a m tf t. .a F9ltrgpteP+itl1 ?glNai?f ` - - ` revs 0 E '`' 16 May Drive ,? l t a PS Form 3817, Mar. 1989 For Accountable (Mall >- r' (,? % r -I Q p? O CO CO v C W N) ---' r m CA > O a d n. z _?. ? any aR U) GK, ? 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O CA _ 0 N p cn CCD :L m e 1 m . p ? jpL s m CL a m o ?? a CD Ck m / X O ? ll CD C7 C, N CD CD N (? C > ?3 -a n(D rn 11 01 ?°- CD :• p v,m CD CD ". 3 C O C fD D 3 o =(D m D <D ° ? 0 7 D 0 3. j O v N??; O U 'O O a m n f n 3 we o-m 3 o m fD N 7 N - y O 7 ' D N C N N n N T). C1 3 C C C - 0(D CL m urn' > > < .N.N v n > C N ? J En C O C, O M C) "0 CL m 6 OO O N ? o O' 0 6' F n -°o^ 7- O O c d r D n ? O D j 0) n ' n % ° n ma mom (D O . v y CD B E • 0 0 Cr N 7 a N 7 O f0 ..9.. i c 3 m y -, - _° N O ? r 0 0 m ID ? 4D D 7 N 7 OM N (D n to c CD _Cn n a cD N o C) x n, o fD I N F ' N N 01 A = ?f OFFICE- OF THE.PROTHONOTARY COURT OFCOMMON PLEAS Court House, 1 Courthouse Square, Carlisle, PA 17013 Cindy J. Black 806 Market Street New Cumberland, PA 17070 FANNIE MAE ("FEDERAL NATIONAL MORTGAGE ASSOCIATION") PLAINTIFF vs. CINDY J. BLACK DEFENDANT(S) // -alit/ David D. Buell, Prothonotary COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 2011-2116 Notice. Pursuant to Rule 236 of the Supreme &uit of Pe-nnsylvania, you., are hereby notified that a Judgment , has been entered against you in the above proceeding as,indicated below in the amount o P $145,470.96 on July 27, 2011. David D. Buell Prothonot y ? F X I Judgmentby Default onotary 'thouse.Square I:rland County Courthouse 'le, PAJ7013-3387 • "'? r 41V,jSS P%, WPITNEY BOWES 02 1P $ 000.64° 0001669279 JUL 26 2011 MAILED FROM ZIPCODE 19018 Cindy J. Black 806 Market Street _^^^ New Cumbe RETURN TO SENDER . r DELIVERAFJLE s;Z: ACjDRESSEU UNABLE TO FORWARD SC: PLAINTIFF: Fannie Mae ("Federal National Mortgage Association") DEFENDANT Cindy J. Black SERVE UPON: Cindy J. Black 806 Market Street New Cumberland, PA 17070 V/ SPECIAL INSTRUCTIONS: please POST per court order Sheriffs Sale Date. jgr /2071 SERVED Served and made known to - Defendant, on the -*-day of 6MST 20 o'clock, m., at Commonwealth of Pennsylvania, in described below: Defendant personally served. Manager/Clerk of place of lodging in which Adult family member with whom Defendant resides. I Defendant resides. Relationship is j Agent or person in charge of Defendant's office Adult in charge of Defendant's residence who • // or usual place of business. I refused V Other to qive namelrelationship. ??b S? 27687-DN manner Description: Age ??He""ighh?t Weight Race Sex Other ?Q /1t'tT W ! Vi0 LC- a competent adult, being duly sworn according to law, depose and state that I personally a true and correct copy of the WRIT OF EXECUTION and Notice of Sheriffs Sale issued in the captioned case on the date and at the address indicated above. Sworn to and subscribed before me th's day of / EIS T ' 20 Notary : By NOT S6RV1 On the 20__ _. at o'clock . M Defendant NOT FOUND because: Moved Unknown No Answer Vacant Time of Attempt: Result: Date of Attempt: ^ 1 Sworn to and subscnoea before me this day of 200^. Notary: Byy AFFIDAVIT OF SERVICE F 1 Lt?} -OFF t? tI E ,.`:. +i 1. T 1E j? t? R0 'Ti ? 0N0 TAR' COURT 01- CO MON PLEAS Cumberland COUNTY 7n t COURT NO. 2011-2116 2911 SEp T 26 AM 1 1 ' 09 CUMBERLAND COUN"I"' PENNSYLVANIA. TYPE OF ACTION XX WRIT OF EXECUTION and Notice of Sheriff's Sale ATTORNEY Martha E. Von Rosenstiel, P.C. 649 South Avenue, Unit 6 Secane, PA 19018 610-328-2887 KIMBERLY CUR 'SOTS',, Pw RSEY 1 lots STATE 0 E1RES MARCH `. 27687- CPG -NA (correct) MARTHA E. VON ROSE: Martha E. Von Rosenstiel, Jacqueline F. McNally, Esc 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff EL, P.C. .ire / No. 52634 /No. 201332 : COURT OF COMMON PLEAS FANNIE MAE ("FEDERAL NATIONAL Cumberland COUNTY MORTGAGE ASSOCIATI N") C/O IBM LENDER BUSINESS PRO ESS SERVICES, : INC., AS SERVICER Plaintiff vs. CINDY K. BLACK Defendant No: 2011-2116 CIPE TO CORRECT TO THE PROTHONOTARY: C7 C na ' f rnw -! t'n x N ro at-j Y C (. ) 3 01 Kindly mark the record to reflect that the Defendant's name is Cindy K. Black. It was incorrectly listed as Cindy J. Black due to clerical error. Respectfully Submitted, MARTHA E. VON ROSENSTIE , P.C. BY: Martha E. Von Rosenstiel, Esquire Jacqueline F. McNally, Esquire Attorneys for Plaintiff Dated: December 19, 2011 A4? ek4<l4s73 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy o;,tp nt 2 ti., Gtr _ HF K!2 APP; 26 AM S: 55 Richard W Stewart Solicitor CUMBERLAND IaOUt PENNSYLVA.1411A Fannie Mae vs. Cindy K. Black Case Number 2011-2116 SHERIFF'S RETURN OF SERVICE 09/27/2011 07:47 PM - Deputy Ryan Burgett, 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 806 Market Street, New Cumberland, PA 17070, Cumberland County. 12/07/2011 Ronny R. Anderson, Sheriff, being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Cumberland County Courthouse, Carlisle, Cumberland County, PA on December 7, 2011 at 10:00 AM. He sold the same for the sum of $1.00 to Attorney Martha E. Von Rosenstiel, on behalf of Fannie Mae, P.O. Box 650043, Dallas, TX 75625, being the buyer in this execution, paid to the Sheriff the sum of $837.28. 03/02/2012 Ronny R. Anderson, Sheriff who being duly sworn according to law states that this writ is returned STAYED. SHERIFF COST: $837.28 SO ANSWERS, March 07, 2012 RON R ANDERSON, SHERIFF x /0 1/ ? -?y;2 y41/ A 427687CAM - DN MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire / No. 52634 Jacqueline F. McNally, Esquire / No. 201332 649 South Avenue, Suite 7 J Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff FANNIE MAE ("FEDERAL NATIONAL COURT OF COMMON PLEAS MORTGAGE ASSOCIATION") CUMBERLAND COUNTY Plaintiff VS. NO: 2011-2116 CINDY J. BLACK Defendant(s) AFFIDAVIT OF NOTICE PURSUANT TO RULE 3129.1 Jacqueline F. Maly , ESQUIRE, attorney for the Plaintiff in the above action, sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at 806 Market Street, New Cumberland, PA 17070: 1. Name and address of owners(s) or reputed owner(s) Cindy K. Black PO Box 89 New Cumberland, PA 17070 and 806 Market Street New Cumberland, PA 17070 and 16 Mav Drive Dillsburg, PA 17019 2. Name and address of defendant(s) in the judgment: Cindy K. Black PO Box 89 New Cumberland, PA 17070 and 806 Market Street New Cumberland, PA 17070 and 16 May Drive Dillsburg, PA 17019 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: NONE 4. Name and address of the last recorded holder of every mortgage of record: NONE 5. Name and address of every other person who has any record lien on the property: NONE 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: NONE 7. Name and address of every other person of whom plaintiff has knowledge who has any interest in the property which may be affected by the sale: Cumberland County.Tax 9aI'm l Courthouse Square Carlisle, PA 17013 Cumberland Register of Wills County Courthouse Carlisle, PA 17013 Attorney General of the U.S. C/O Assistant Attorney General Tax Division U.S. Department of Justice P.O. Box 227 Washington, DC 20044 PA Dept of Revenue Inheritance Tax Bureau Strawberry Square, 1 lth Floor Harrisburg, PA 17128 Family Court/Domestic Relations 1 Courthouse Square Carlisle, PA 17013 PA. Department of Revenue Bureau of Compliance Attn: Sheriff Sale Section P.O. Box 218230 Harrisburg, PA. 17128-1230 Dept of Public Welfare P.O. Box 2675 Harrisburg, PA 17105 Pennsylvania Department of Revenue Bureau of Individual Taxes PO Box 280603 Harrisburg, PA 17128-0603 Occupant 806 Market Street New Cumberland, PA 17070 I verify that the statements made in this affidavit are true and correct upon information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P.C. BY: C? a a E. Von Rosenstiel, s uire acqueline F. McNally, Esquire attorneys for Plaintiff Dated: July 26, 2011 L MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire / No. 52634 Jacqueline F. McNally, Esquire / No. 201332 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff FANNIE MAE ("FEDERAL COURT OF COMMON PLEAS NATIONAL MORTGAGE CUMBERLAND COUNTY ASSOCIATION") Plaintiff vs. No: 2011-2116 CINDY J. BLACK Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO ALL PARTIES IN INTEREST AND CLAIMANTS: 27687CAM-DN The real estate and improvements, if any, located at and known as 806 Market Street New Cumberland, PA 17070 will be sold by the Sheriff of Cumberland County on Date of Sale: December 07, 2011 Time of Sale: 10:00 a.m. Place of Sale: Cumberland County Court House, 1 Courthouse Square, Carlisle, PA 17013. This sale is being held on a Judgment in Mortgage Foreclosure filed under Docket No. 2011- 2116 in the Court of Common Pleas of Cumberland County by Fannie Mae ("Federal National Mortgage Association"), Plaintiff against Cindy J. Black, Defendant(s). Judgment was entered on July 27, 2011 in the amount of $145,470.96. The property was seized and taken in execution as the property of Cindy J. Black. The property to be sold at Sheriff's Sale is described as follows: ALL THAT CERTAIN piece or parcel of land situate in the Borough of New Cumberland, County of Cumberland and State of Pennsylvania, and designated and known as Lot NO. 184 in a certain Plan of Lots called "Elkwood", recorded in the Cumberland County Recorder's Office in Deed Book M-5, Page 498, and bounded and described as follows, to wit: ON the East by Market Street, bn the South by Lot No. 183, on the West by an alley, and on the North by lot now or formerly of Harvey Spangler, having a frontage of 39 feet on the said Market Street in the Village or section formerly known "Elkwood", Lower Allen Township now the Borough of New Cumberland, Cumberland County, Pennsylvania., and having a depth of 100 fete of even width to the aforesaid alley. HAVING THEREON ERECTED a one and one-half story frame dwelling house known and numbered as 806 Market Street, New Cumberland, Pennsylvania. TAX PARCEL NUMBER: 26-24-0811-278 IMPROVEMENTS: Residential. Dwelling A schedule of distribution will be filed by the Sheriff on a date specified by the Sheriff no later than 30 days after said sale, and distribution will be made in accordance with the schedule unless exceptions are filed thereto within ten (10) days after the date of the filing of said schedule. Judgment was recovered in the Court of Common Pleas of Cumberland County Civil Action No. 2011-2116. You should check with the Sheriff's Office by calling (717) 240-6390 to determine the actual date of the filing of the schedule. No further notice of the filing of the Schedule of Distribution will be given. R. Thomas Kline, Sheriff of Cumberland County ATTORNEY FOR PLAINTIFF: MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire / No. 52634 Jacqueline F. McNally, Esquire / No. 201332 Attorney for Plaintiff 649 South Avenue, Unit 96 Secane, PA 19018 Phone: (610) 328-2887 Fax: (610) 328-2875 #27687-DN MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire / No. 52634 Jacqueline F. McNally, Esquire / No. 201332 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff FANNIE MAE ("FEDERAL NATIONAL MORTGAGE ASSOCIATION") Plaintiff VS. CINDY J. BLACK Defendant(s) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 2011-2116 LEGAL DESCRIPTION ALL THAT CERTAIN piece or parcel of land situate in the Borough of New Cumberland, County of Cumberland and State of Pennsylvania, and designated and known as Lot NO. 184 in a certain Plan of Lots called "Elkwood", recorded in the Cumberland County Recorder's Office in Deed Book M-5, Page 498, and bounded and described as follows, to wit: ON the East by Market Street, on the South by Lot No. 183, on the West by an alley, and on the North by lot now or formerly of Harvey Spangler, having a frontage of 39 feet on the said Market Street in the Village or section formerly known "Elkwood", Lower Allen Township now the Borough of New Cumberland, Cumberland County, Pennsylvania, and having a depth of 100 fete of even width to the aforesaid alley. HAVING THEREON ERECTED a one and one-half story frame dwelling house known and numbered as 806 Market Street, New Cumberland, Pennsylvania. TAX PARCEL NUMBER: 26-24-0811-278 IMPROVEMENTS: Residential dwelling TITLE TO SAID PREMISES IS VESTED IN Cindy K. Black, her heirs and assigns by Deed from Michael S. Kerstettle and Heather N. Kerstettle, husband and wife dated 8/28/2003 and recorded 9/2/2003 in Record Book 259,Page 15. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 11-2116 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due FANNIE MAE "FEDERAL NATIONAL MORTGAGE ASSOCIATION", Plaintiff (s) From CINDY J. BLACK (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: $145,470.96 L.L.: $.50 Interest from 7/28/11 to 12/7/2011 AT 6% - - $3,180.03 Arty's Comm: % Due Prothy: $2.00 Arty Paid: $305.68 Plaintiff Paid: Date: 7/29/11 (Seal) REQUESTING PARTY: Other Costs: ?c(L David D. Buell, Prothonotary Deputy Name: JACQUELINE F. MCNALLY, ESQUIRE Address: MARTHA E. VON ROSENSTIEL, P.C. 649 SOUTH AVENUE, UNIT #6 SECANE, PA 19018 Attorney for: PLAINTIFF Telephone: 610-328-2887 TRUE COPY FROM RECORD In Testimony whereof, I here unto set my hand and the seal of said Court at Carlisle, Pa. This tZ ---I day of t 20 11• Prothonotary Supreme Court ID No. 201332 On August 19, 2011 the Sheriff levied upon the defendant's interest in the real property situated in Dickinson Township, Cumberland County, PA, Known and numbered as, 806 Market Street, New Cumberland, more fully described on Exhibit "A" filed with this writ and by this references incorporated herein. Date: August 19, 2011 By: Real Estate Coordinator CUMBERLAND LAW JOURNAL Writ No. 2011-2116 Civil Fannie Mae vs. Cindy J. Black Atty.: Martha E. Von Rosenstiel ALL THAT CERTAIN piece or par- cel of land situate in the Borough of New Cumberland, County of Cum- berland and State of Pennsylvania, and designated and known as Lot NO. 184 in a certain Plan of Lots called "Elkwood", recorded in the Cumberland County Recorder's Of- fice in Deed Book M-5, Page 498, and bounded and described as fol- lows, to wit: ON the East by Market Street, on the South by Lot No. 183, on the West by an alley, and on the North by lot now or formerly of Harvey Spangler, having a frontage of 39 feet on the said Market Street in the Village or section formerly known "Elkwood", Lower Allen Township now the Borough of New Cumberland, Cum- berland County, Pennsylvania, and having a depth of 100 fete of even width to the aforesaid alley. HAVING THEREON ERECTED a one and one-half story frame dwell- ing house known and numbered as 806 Market Street, New Cumberland, Pennsylvania. TAX PARCEL NUMBER: 26-24- 0811-278. IMPROVEMENTS: Residential dwelling. TITLE TO SAID PREMISES IS VESTED IN Cindy K. Black, her heirs and assigns by Deed from Michael S. Kerstettle and Heather N. Kerstettle, husband and wife dated 8/28/2003 and recorded 9/2/2003 in Record Book 259,Page 15. 19 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. Marie NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BOROUGH, CUMBERLAND COUNTY My Commission Expires Apr 28, 2014 SWOWN TO AND SUBSCRIBED before me this The Patriot-News Co. 2020 Technology Pkwy Suite 30Q Mechanicsburg, PA 17050 Inquiries - 717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE t4tpatriot1wXeWs Now you know CARLISLE PA 17013 THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Holly Blain, being duly sworn according to law, deposes and says: That she is a Staff Accountant of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 2020 Technology Pkwy, Suite 300, in the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Community Weekly editions which appeared on the date(s) indicated below. That neither she nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. 17 'PUBLICATION COPY This ad ran on the date(s) shown below: 10/21/11 10/28/11 11/04/11 Sworn to of November, 2011 A.D. COMMONWEALTH OF PENrISYI?ANv? Note" seat Sherrie L. Owens, Notary K'bk r,ty Commosion Ex" Nov. 26, 2015 MEMBER, PENNSYLVANIA ASSOCUnON OF NOTARIES 2011.2116 Civil Term Fannie Mae Vs Cindy j Black qm'' Mrtn E, Von Rosenstlel ALL THAT CERTAIN piece or parcel of land situate in the Borough of New Cumberland, County of Cumberland and State of Pennsylvania, and designated and known as Lot N0.184 i of Lots n a certain plan called "Ellcwood•"recorded in the Cumberland County Recorder's office in Deed Book M-5, page 498, and bounded and described as follows t' ON the Eas , wit: t by Market Street, on the South by Lot No. 183, on the West by an alley, and on the North by lot formerly of Harvey Spangler now or frontage of 39 feet on the said Market Street in the Village or section formerly known "EUOod", Lower Allen Township now the Borough of New Cumberland, p Cumberland County , Pennsylvania, and having a depth of 100 fete of even the aforesaid alley. width to HAVING THEREON ERECTED a one and one-half story flume dwelling house known and numbered as 806 Market Street, New Cumberland, Pennsylvania. TAX PARCEL NUMBER. 26-24-0811-27k IMPROVEMENTS; Residential dwelling NTL1- TO SAID PREMISES IS VESTED Y K Black, her heirs and assigns 'YT ' , from Michael S. H Kerstettle and eatf?er N. Kerstettle, husband and wife dated 8/28/2003 and recorded 91212003 in Record Book 259,Page 15. COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SS: I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriff's Deed in which Fannie Mae (Federal National Mortgage Assoc) is the grantee the same having been sold to said grantee on the 7 day of December A.D., 2011, under and by virtue of a writ Execution issued on the 29 day of Jam, A.D., 2011, out of the Court of Common Pleas of said County as of Civil Term, 2011 Number 2116, at the suit of Fannie Mae (Federal National Mortgage Assoc) against Cindy K. Black is duly recorded as Instrument Number 201211993. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal of said office this ?,5 a A.D. day of G Rec er of Deeds ,Xrder of Deeds Cimjbedand (eft Caft pA Commission Expires the F99 MOWN dJOL 2W4