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HomeMy WebLinkAbout01-4851 LAW OFFICES SA/D/S, SHUFF, FLOWER & LINDSA¥ 26 W. mGH ,~TR~ET ' 2109 MARKET STREET CARLISLE, PA [ 7013 CAMP HILL PA 17011 PHONE (717) 243-6222 PHONE (717) 737 3405 CERTIFIED COPY: dohnnaJ Kopecky, Esqulre ID # 53147 Saidis, Shuff, Flower & Lindsay 26 West High Street Carlisle, PA 17013-2956 71%243-6222 MELLON BANK N. A., Plaintiff V WALTER A. LOOMIS and EVELYNE LOOMIS, Defendant(s) NOTICE IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - Law 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 plaintiffl You may lose money or property or other r ghts important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 2 Liberty Avenue Carlisle PA 17013 717-249-3166 800 - 990 - 9108 NOTICIA Le hah demandado a usted a la corte. Si usted quiere defenderse en contra estas demandas expuestas en las paginas siguientes, usted tien veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Usted debe presentar una apariencia escrita o en persona o pot abogado y archivar en la corte en forma escrita sus defensas o sus objeciones a las demandas en contra suya. Se ha avJsado que si usted no se defienda, la corte tomara medidas y puede entrar una orden contra usted sin previo aviso o notificacion y por cualquier queja o alivio que es pedido en la peticion de demanda. USTED PUEDE PERDER DINERO O PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. S1 USTED NO TIENE O CONOCES UN ABOGADO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA D1RECCION SE ENCUENTRA ESCRITA ABA JO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle PA 17013 717 -249-3166 800 - 990 - 9108 Account no. 0275.040708-434 SAIDIS ~6 w. ~lgh Street Johnna J. Kopecky, Esquire ID # 53147 Saidis, Shuff, Flower & Lindsay 26 West High Street Carlisle, PA 17013-2956 717-243-6222 MELLON BANK N. A., Plaintiff vi. WALTER A. LOOMIS and EVELYNE LOOMIS, Defendant(s) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO.: ~/-.~ ,~<~,.~/ ~ CIVIL ACTION - Law MORTGAGE FORECLOSURE COMPLAINT AND NOW, comes the Plaintiff; Mellon Bank N. A., by and through its attorneys, SAIDIS, SHUFF, FLOWER & LINDSAY, and files this Complaint, alleging in support thereof the following: 1. Plaintiff. Mellon Bank, N. A., is a national banking association organized and existing under the banking laws of the United States of America with a principal regional office located at Two Mellon Bank Center, Pittsburgh, Pennsylvania, 17259. The defendant(s) are Walter A. Loomis and Evelyne Loomis is/are an adult individual whose last known address is 437 North 2nd Street, Wormleysburg, PA 17043. On or about November 24, 1997 the Defendants borrowed from and agreed to repay to Bank the sum of five thousand and 00/100 ($5,000.00 dollars ("Loan"). As security for the Loan, Defendants executed and delivered to Bank a mortgage ("Mortgage") on that tract of land together with the buildings and improvements erected thereon situate in the, Cumberland County, Commonwealth of Pennsylvania known and numbered as 437 North 2"d Street, Wormleysburg, PA 17043. At all other times relevant hereto, Defendants remain the record and sole owners of the property. A description of the property, is attached hereto, made a part hereof and marked as Exhibit "A". On or about November 19, 1997, the Mortgage was recorded in the Office of the Recorder of Deeds of Cumberland County in Book 1417 Page 155. A copy of the Mortgage is attached hereto, made part hereof and marked as Exhibit "B". Account no. 0275.040708-434 2 5. The mortgage was never assigned by Bank and is still held by it as a valid and subsisting obligation of defendants. 6. Under the terms and condition of the Note ("Note"), defendants agreed to make monthly payments to Bank in the amount of one hundred twenty-seven and 60/100 dollars ($127.60) beginning December 26, 1997, and continuing each month thereafter. 7. Defendants have breached the terms and conditions of the Mortgage and Note and are in default under such terms and conditions because they have failed to make payment required in accordance with the terms thereof December 26th, 2000 and subsequent months. 8. Defendants are presently indebted to Bank, as of July 25th, 2001 in the amount seven thousand and thirty-three and 60/100 dollars ($7,033.60) itemized as follows: Principal Balance $5,352.7 I Interest to and including 07/25/2001 at $1.85 per diem $ 457.69 Late Charges $ 23.20 Attorney collection fees $1,200.00 Total Due $7,033.60 9. Defendants also agreed under the. terms of the Mortgage that in the event of default thereunder they would pay~ in addition to the charges listed in paragraph 8 above, cost incorred by Bank as a result of the institution of theses legal proceedings. 10. The obligation owed by Defendants to Bank continues to accrue interest thereon at the rate of $1.85 per diem, through the date of payment, including on and after the entry of judgment on this Complaint, and continues to accrue late charges, and attorneys fees. 11. In accordance with the Homeowners' Emergency Mortgage Assistance Act, Act of December 23, 1983, P. L. 385 No. 91, 35 P. S. Section 1680.401c et seq., the Combined Act 91/6 Notice, Notice of Intent to Foreclose and of Defendant's rights under said Act was forwarded to defendants on May 24, 2001 by United States mail, first class, postage pre-paid, and certifted mail, return receipt requested. A copy of said Notice is attached hereto and marked as Exhibit "C". Account no. 0275.040708-434 3 Lr.~AI, DESCRIPTION: ALL T~AT CERTAIN PROPERTY SITUATED IN BOROUGH OF WOR}tLE¥SBURG IN T~E COUNTY OF CUMBERLAND AND STATE OF PENNSYLVANIA EXHIBIT A Moffgage ~ Mellon Bank EXHIBIT AI~ THAT C]~'I'AZN PROPI~TY S~ATED ZN BOROUGH OF KO~LEYSBURG ZN ~E ~ OF ~B~D ~D ~ATE OF P~HSYLV~IA ~D BEZ~G D~IB~ IH A DE~ DATED 10/24/83 ~D RE~RD~ 10/28/G3 ~ONG ~E ~ND RE~RDS OF ~E COUNT*/ AUG. IS'IIItWEI)) 12:56 MT(; FORI'~,I,OSURL AREA I'1'3,:4122347226 P. 002 MellOn SEcured Personal Credit Line $' Agreement Mellon Bank Variable Rate c~,.,.r ~.~8~T~a~j,j~c~ ...... HARRISBURC t P]~NNS¥I,~ANIA 17 1 0 1 A~ount Num~ 04070fl--434 Da,a 11[14/97 C~i[ ~mi~ ~'"' 5 ~ 000 =0~ ....... Bo~ng Mon~: Unld 11[ 14/07 , I may ~ nx~ mon~ fi~m you I~Ou~ my Mcllon Sc~r~ Pc~nal Lmes~ ("PCL") a~mm, up to thc cr~dii Hm [~h~- a~~ s~cial_ chcc~- t~ ~crdta~ng a dc~l[ a~um (if ifldt~lcd I~1~ · canal ~h~s rrap~r~on, 1 ~[lay not ~(rq~.~n~d thc ~n~llanon l~fi~, h~ ~ired and you have had a reachable op~rmn~i~ Io dctc~min'~ ih~'i Appli~blc ff ~k~: ~ I ag~cc.m ~rr~ m I~r $ II.Ouch mv PCL a~unr mined ate -[m if I ~ve been ~wen a nou~ al right ia ~n~ ~h~s tranmcmm, when thc ~n~llahon ~n~igg ~i~ed ami ~n h~ve had a r~maablc op~/r~ni~y r~ ~tcr~in~ page ] ~-I~ ~nt, changes in thc ~IJAI. PERCENTAGE RATE ~ [~ dc erin ned ~ adding a mm gin to thc imlm ~c margin ~'i~'- fi_fi~ ~cncagc ~ims in ycars of 365 days. ln ycms of 3~ days, the ~NU~,PERCENTAGERAT~ ~ ~l~Sthhghc man m y~¢SY~days. ~hcn igc ram chnngcs, mc new ram will apply lo sub~quea ~)rro~ngS and ro thc whole ~[an~ ol ~rrow ~ Unlil mc cna tlr my~lnitial billing ~cl~ bdling cycle winch tmgins n . Ibc g~rl~lc talc ol FIN~CI.: Cll~GE ~11 t~ . % Fr day. Ibis ~rtcs~mds Lo an ~NUAI P~CE~AGE RA~ of % f % E~ y~ or3~ dayQ~[ginning on [he tim[ day of Ibc Iollo~ing billing c~cle, th~ ' ANN~)AI PER('E~TAGt' RATE ~ll~n]i iifi I ~ b~.~ an mO~. (Hpwcver, ~ your o~hm shown strove is I~md iu Pcnnsylva lin or Delaware and ff any rcquircd m~mhly mymm ~}~. ~ ~Sg~: [~}~!.~ c~n mg~ ~atc.~ll. ~ ba~d on the !nO~x ~mmng nn thc first day of thc fimt hilling ~c c fha deremin~ ~ ad0inga margin [o mc md~ ~c margin ~ll ~ ~r~ntagc ~ n s n ~am o/36~ da~ In y~s of ~fiap, [h~. ~gO~ PRCE~ICE RITE ~1 ~ 1~65t~ turner man m yea~ ol ~65 da~. ~cn thc ra~c change, thc n~w rate aa ~U~ PERCENTAGE ~TE nf . ..... ~ ( % m yearn ol ]~ da~). one ~ar ~rl~, rca?ted ~ont~y.~c~ on my PCI_ 9~un~ ~mc 30 da~ ~sr duc, o~ 0i) any ~cqui,cd ,nm~rhly m~ncm ~m,,,~ (~ days ~NNU~ PE~C~NTAG~ RATE ~11 ~ lO65th h ghcr than in ~ears ot 3~ da~) lhis ~ncre~d margin ~11 remain m effect until thc c,,dof my ~J.~o~ ~l~ s~ a~c i~ l~rc~ in Pc~n~[mnia o~ DclawalC, alid if my omz~ndi!lg ~la,~,~ of mon~ ~rr~cd ~s my credit hind on j~a, uny o~ any ommg ~c~e [uc margin appamolc m my a~mnt n y~m ol 365 da~ wfl[~ 2 ~r~nlage ~ints higher during thc R~ll~ing cycle ~ears ol 3~ da~, Ibc ~NU~ PERCENTAGE ~TE ~11 ~ l~65rh higher I~an in years of ~6~ ~._ ~r~nragc ~in[ (in ycms of 3~ da~. thc ~NT/AI. PERCENTAGE RATE win ~ 1BOSth higher than in years of t65 ~ml,~Oedrs ~ ? ~a~c ~y~!ents onder Payment Method ~ t ~hcn tm t~c first day of the fi s ~ ~g ~c c t~ ~ ~' g on or after thatg~atc ar ~yc?}~Z'¢'IY. 'fi changc,~rr,~]',~?l',X:~,n~:2"~,SJ~n~,~ eymc~r MC'hOd ~2, ,h,~ marg,n appli~blc to my accoum tn y~is o[ 365-dags wilt for a~ve.~c ~NUAI,~RC~A~RATE wilt nol exceed 25 00 % ~ Z= ma ~ :~ } · ~?~, - [. .. ',, ~pplimblc if ~ked;~ I have imid (or ~ll pay at the time I cmcr init) tMs agtcemcfll) a }~N~C~CHARGE Appfimbl¢ if ~¢ck~:~I have ~ia (or ~ pay a the time I etltel into [his ~rceln~llt) ~ }IN.CE C/I~GE of $ 5.00 for O ,. ~-~ ....... ' . . - [~ the .05 ~ d~y of each n~onth (1 unde~lalld ha when [ht~ day oc the~fly ~fore ir ~ not a btls{n~ day you will take Ibc ayment on _~:~ I esrwdl make. ~O onmmnl]lYpage' 3 oltmsPa~m~ntaAgreement°[ mon~ ~tr(~dqh~ ~s a ~andH o finaneene Equ charg~y ~ (silO} lomenwnefCre0~[ m~oran~s PCL a~untCharg~'- if appli~Dle) ~lculated In the manner CREDiTOR COPY Page I oI 4 EXHIBIT Date: May 24, 2001 ACT 91 / 6 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE To; Waiter A. Loomis 10283 Edison Road Osceola IN 46561 Evelyne Loomis 10283 Edison Road Osceola IN 46561 THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE I$ SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY. This is an official notice that the mortqaqe on your home is in default and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached paqes The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) MAY BE ABLE TO HELP TO SAVE YOUR HOME. This Notice explains how the proqram works, To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet the counselinq aqency The name, address and phone number of Consumer Credit Counselinq Aqencies servinq your County are listed at the end of this Notice. if you have any questions, you may call the Pennsylvania Housinq Finance Aqency toll free at 1-800-342-2397 (Persons with impaired hearinq may 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. LA NOTIFICACION EN AD JUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTrNUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDQ DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO PeR EL PROGRAMA LLAMADO "HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA FERDIDA DEL DERECHO A REDIMAR SU HIPOTECA. STATEMENTS OF POLICY Homeowner's Name(s): Property address: Loan / Account number: Original Lender: Current Lender / Servicer: Walter A. Loomis nd 437 North 2 Street, Wormleysburg, PA 17043 0275.040708-434 Mellon Bank, N. A. Mellon Bank, N. A. Evelyne Loomis EXHIBIT D-' 1 HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOMF 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. During that time you must arrange and attend a face-to-face meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT THIRTY (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counselinq aqencies listed at the end of this Notice the lender may NOT take action aqainst you for thirty (30) days after the date of this meetinq. The names, addresses and telephone numbers of desiqnated consumer credit counselinq aqencies 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-to4ace meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCF - Your mortgage is in a default for the reason set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSE ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still app y for Emergency Mortgage Assistance) HOW TO CURE YOUR MORTGAGE DEFAULT (Brinq it up to date) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: Insert Property Address IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Start/End: December 26u~, 2001 thru April 25h, 2001 at $116.00 per month. Monthly Payments Plus Late Charges Accrued $ 713.20 NSF: $ n/a Inspections: $ n/a Other $ n/a (Suspense) $ n/a Total amount to cure default $ 713.20 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): N/A 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 $713.20, 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: Eileen Thiry, Mellon Bank, N. A., Two Mellon Bank Center, Room 152- AB$0, Pittsburgh PA 15259-0001; Telephone no.: 412-234-3676; Fax 412-234-7226; e-mail thiry.ep@mellon.com. You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter. IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its riqhts to accelerate the mortqaqe debt. This means the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorney to start legal action to foreclose upon your mortqaqe property. IF THE MORTGAGE IS FORECLOSED UPON - The Mortgage property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorney, but you cure the delinquency before 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 owed to 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 SAL F - If you have not cured the default within THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the riqht to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by payinq the total amount then past due, plus any late or other charqes then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writinq by the lender and by performinq any other requirements under the mortqaqe. 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 DATF - It is estimated that the earliest date that such a Shedff's Sale of the mortgage property could be held would be approximately SIX (6) MONTHS from the date of this notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the Fender. HOW TO CONTACT THE LENDER: Eileen Thiry, Mellon Bank, N. A., Two Mellon Bank Center, Room 152-AB50, Pittsburgh PA 15259-0001; Telephone no.: 412-234-3676; Fax 412-234-7226; e- mail thiry.ep~mellon.com. EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's 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 Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You x . may or__ 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 cost 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY IS ATTACHED. Very truly yours, SAID~NDSAY Joh~L~a/,L KoTe:y, E~ CC; (Account no. 0275.040708-434) Eileen Thiry Mailed by 1st Class mail / Certificate of Mailing and Certified Mail No.: 7099 3400 0018 6047 7677 4 PENNSYLVANINA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES THE PENNSYLVANIA HOUSING FINANCE AGENCY CAN BE REACHED TOLL FREE AT 1 (800) 342 - 2397 CUMBERLAND COUNTY Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Hardsburg, PA 17102 (717} 541-1757 Financial Services Unlimited 117 West 3~ Street Waynesboro, PA 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (717) 234-5925 FAX (717) 232-4985 YWCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX (717) 243-3948 JUN 1 8 2001 ACT 91 / 6 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE Date: May 24, 2001 To; Waiter A. Loomis 437 North 2n~ Street Wormleysburg PA 17043 Evelyne Loomis 437 North 2"~ Street Wormleysburg PA 17043 THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE ' PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY. This is an official notice that the mortqaqe on your home is in default and the lender intends to foreclose, Specific information about the nature of the default is provided in the attached pa,qes The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) MAY BE ABLE TO HELP TO SAVE YOUR HOME. This Notice explains how the proqram works, To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet the counselinq a!:lency The name, address and phone number of Consumer Credit Counselinq Aqencies servinq your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housinq Finance Aqency toll free at 1-800-342-2397. (Persons with impaired hearinq may 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. LA NOTIF!CACION EN AD JUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOT1FICACION OBTENGA UNA TRADUCClON INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENClONADO ARRIBA. PUEDES SER ELEGISLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA FERDIDA DEL DERECHO A REDIMAR SU HIPOTECA, STATEMENTS OF POLICY Homeowner's Name(s): Property address: Loan / Account number: Original Lender: Current Lender / Servicer: Walter A. Loomis 437 North 2"d Street, Wormleysburg, PA 17043 0275.040708~.34 Mellon Bank, N. A. Mellon Bank, N. A. Evelyne Loomis HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOMF 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. During that time you must arrange and attend a face-to-face meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT THIRTY (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counselinq aqencies listed at the end of this Notice the lender may NOT take action aqainst you for thirty (30) days after the date of this meetinq. The names, addresses and telephone numbers of desiqnated consumer credit counselinq aqencies 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 a default for the reason set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the tender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, s~gn and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH.IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION. - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSE 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) HOW TO CURE YOUR MORTGAGE DEFAULT (Brinq it up to date) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: Insert Property Address IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Start/End: December 26th, 2001 thru April 26", 2001 at $116.00 per month. Monthly Payments Plus Late Charges Accrued $ 713.20 NSF: $ n/a Inspections: $ n/a Other $ n/a (Suspense) $ n/a Total amount to cure default $ 713.20 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): N/A 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 $713.20, 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: Eileen Thiry, Mellon Bank, N. A., Two Mellon Bank Center, Room 152- ABS0, Pittsburgh PA 15259-0001; Telephone no.: 412-234-3676; Fax 412-234-7226; e-mail thiry.ep@mellon.com. You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter. IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its riqhts to accelerate the mortqaqe debt. This means the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorney to start legal action to foreclose upon your mortqaqe property. IF THE MORTGAGE IS FORECLOSED UPON - The Mortgage property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorney, but you cure the delinquency before 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 ypu, 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 owed to 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 THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the riqht to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by payinq the total amount then past due, plus any late or other charqes then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writinq by the lender and by performinq any other requirements under the mortqaqe. 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 Sheriff's Sale of the mortgage property could be held would be approximately SIX (6) MONTHS from the date of this notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Eileen Thiry, Mellon Bank, N. A., Two Mellon Bank Center, Room 152-AB50, Pittsburgh PA 15259-0001; Telephone no.: 412-234-3676; Fax 412-234-7226; e- mail thiry.ep(~mellon.com. EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's 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 Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You x may or 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 cost 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 RESTQRED 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY IS ATTACHED. Very truly yours, SAID~WE.j?~LIN DSAY J o h?~.,~' J. Kope~Esquire cc: (Account no. 0275.040708-434) Eileen Thiry Mailed by 1st Class mail / Certificate of Mailing and Certified Mail No.: 7099 3400 0018 5047 7691 PENNSYLVANINA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES THE PENNSYLVANIA HOUSING FINANCE AGENCY CAN BE REACHED TOLL FREE AT 1 (800) 342- 2397 CUMBERLAND COUNTY Consumer Credit Counseling Service of Western Pennsylvania, Inc, 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 Financial Services Unlimited 117 West 3= Street Waynesbore, PA 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (717) 234-5925 FAX (717) 232-4985 YWCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX (717) 243-3948 Date: May 24, 2001 ACT 91 / 6 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE To: Walter A. Loomis 437 North 2"4 Street Wormleysburg PA 17043 Evelyne Loomis 437 North 2~ Street Wormleysburg PA 17043 THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY. This is an official notice that the mortqaqe on your home is in default and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached paqes. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) MAY BE ABLE TO HELP TO SAVE YOUR HOME. This Notice explains how the proqram works, To see if HEMAP can help, you must MEET WiTH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet the counsetinq aqency. The name, address and phone number of Consumer Credit Counselinq Aqencies servinq your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housinq Finance Aqencv toll free at 1-800-342-2397 (Persons with impaired hearinq may 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 m your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN AD JUNTO ES DE SUMA IMPORTANClA, PUES AFECTA SU DERECHO A CONT1NUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENClONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA FERDIDA DEL DERECHO A REDIMAR SU HIPOTECA. STATEMENTS OF POLICY Homeowner's Name(s): Property address: Loan / Account number: Original Lender: Current Lender / Servicer: Walter A. Loomis 437 Norlh 2"~ Street, Wormleysburg, PA 17043 0275.040708-434 Mellon Bank, N. A. Mellon Bank, N. A. Evelyne Loomis HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOMr' 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 FORECLOSURF - 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. During that time you must arrange and attend a face-to-face meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT THIRTY (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - tf you meet with one of the consumer cred;I counselinq aqencies listed at the end of this Notice the lender may NOT take action aqainst you for thirty (30) days after the date of this meetinq. The names, addresses and telephone numbers of desiqnated consumer credit counsetinq aqencres 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 ASSISTANCF - Your mortgage is in a default for the reason set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies risted at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face- o-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCy, I THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSE 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) 2 HOW TO CURE YOUR MORTGAGE DEFAULT (Bdnq it up to date) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: Insert Property Address IS SERIOUSLY 1N DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Start/End: December 26"', 2001 thru April 26h, 2001 at $116.00 per month. Monthly Payments Plus Late Charges Accrued $ 713.20 NSF: $ n/a Inspections: $ n/a Other $ n/a (Suspense) $ n/a Total amount to cure default $ 713.20 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): N/A 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 $713.20, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashieCs check, certified check or money order made payable and sent to' Eileen Thiry, Mellon Bank, N. A., Two Mellon Bank Center, Room 152- ABS0, Pittsburgh PA 15259-0001; Telephone no.' 412-234-3676; Fax 412-234-7226; e-mail thiw.ep~mellon.com. You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter. IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its riqhts to accelerate the mortqaqe debt. This means the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorney to start legal action to foreclose upon your mortqaqe procertv. IF THE MORTGAGE tS FORECLOSED UPON - The Mortgage proper'b/will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorney, but you cure the delinquency before 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 owed to 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 ail other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALF - If you have not cured the default within THIRTY (30) DAY pehod and foreclosure proceedings have begun, you still have the riqht to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by payinq the total amount then oast due, plus any late or other charqes then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writinq by the lender and by performinq any other requirements under the mortqaqe. 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 DATF - It is estimated that the earliest date that such a Sheriff's Sale of the mortgage property could be held would be approximately SIX (B) MONTHS from the date of this notice. A notice of the actual date of the Shedf'Cs Sale will be sent to you before the sale. Of course. the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Eileen Thiry, Mellon Bank, N. A., Two Mellon Bank Center, Room 152-AB50, Pittsburgh PA 15259-0001; Telephone no.: 412-234.3676; Fax 412-234-7226; e- mail thiry.ep@mellon.com. EFFECT OF SHERIFF'S SAL~ - You should realize that a Sheriff's 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 Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGF - You x may or 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 cost 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 PROPER'fY 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY IS ATTACHED. Very truly yours, SAID~DSAY John. KopeclCt. CEsquire CC: (Account no. 0275.040708--434) Eileen Thiry Mailed by 1't Class mail / Certificate of Mailing and Certified Mail No.: 7099 3400 0018 5047 7202 PENNSYLVANINA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES THE PENNSYLVANIA HOUSING FINANCE AGENCY CAN BE REACHED TOLL FREE AT 1 (800) 342- 2397 ~COUNTY Consumer Credit Counseling Service of Westem PennsyNania, Inc. 2000 I_inglestown Road Hamshurg, PA 17102 (717~ 541-1757 Financial Services Unlimited 117 West 3'~ Street Waynesboro, PA 17268 (717) 762-3285 Urt3an League of Metropolitan Hamshurg 25 N. Front Street Hardsburg, PA 17101 (717) 234-5925 FAX (717) 232-4985 YWCA of Carlisle 301 G Street CaHisle, PA 17013 (717) 243-3818 FAX (717) 243-3948 Date: May 24, 2001 ACT 91 / 6 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE To: Walter A. Loomis 10283 Edison Road Osceola IN 46561 Evelyne Loomis 10283 Edison Road Osceola IN 46561 THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY. This is an official notice that the mottqaqe on your home is in default and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached paqes. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) MAY BE ABLE TO HELP TO SAVE YOUR HOME. This Notice explains how the proqram works, To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet the counselinq aqency The name. address and phone number of Consumer Credit Counselinq Aqencies servinq your County ,~.. listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housinq Finance Aqencv toll free at 1-800-342-2397. IPersons with impaired hearinq may call (717) 780-1869. This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be a~le to help explain it. You may also want to contact an attorney ~n your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN AD JUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTtNUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENC1A (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA FERDIOA DEL DERECHO A REDIMAR SU HIPOTECA. STATEMENTS OF POLICY Homeowner's Name(s): Property address: Loan / Account number: Original Lender: Current Lender/Servicer: Walter A. Loomis 437 North 2~" Street, Wormleysburg, PA 17043 0275.040708-434 Mellon Bank, N. A. Mellon Bank, N. A. Evetyne Loomis HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOMI- FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. rF 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 FORECLOSURF - 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. During that time you must arrange and attend a face-to-face meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT THIRTY (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MQRTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counselinq aqencies listed at the end of this Notice the lender may NOT take action aqainst you for thirty (30) days after the date of this meetinq. The names, addresses and telephone numbers of desiqnated consumer credit counselinq aqencies 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 ASSISTANCF - Your mortgage is in a default for the reason set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. tF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. 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. Dudng that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will he notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. "NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSE 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) 2 HOW TO CURE YOUR MORTGAGE DEFAULT (Bdnq it up to date) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: Insert Property Address IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Start/End: December 26m, 2001 thru April 26h, 200'1 at $'1'16.00 per month. Monthly Payments Plus Late Charges Accrued $ 713.20 NSF: $ n/a Inspections: $ n/a Other $ n/a (Suspense) $ n/a Total amount to cure default $ 713.20 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not appticabl~): N/A 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 $713.20, 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 ~ble and sent to: Eileen Thiry, Mellon Bank, N. A., Two Mellon Bank Center, R'oom 152- ABS0, Pittsburgh PA 15259-0001; Telephone no.: 412-234-3676; Fax 412-234-7226; e-mail thiry.ep~mellon.com. You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter. IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice. the lender intends to exercise its riqhts to accelerate the mortqaqe debt This means the entire outstanding balance of this del2t will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorney to start legal action to foreclose upon your mortqaqe property. IF THE MORTGAGE IS FORECLOSED UPON - The Mortgage property will be sold by the Sheriff to pay off the mortgage debt. If the Fender refers your case to its attorney, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actua y ncurred, 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 owed to 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 SAI I- - If you have not cured the default within THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the riqht to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by paying the total amount then past due, plus any late or other charqes then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writinq by the lender and by performinq any other requirements under the mortqaqe. 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. 3 EARLIEST POSSIBLE SHERIFF'S SALE DATF - It is estimated that the eadiest date that such a Sheriffs Sale of the mortgage property could be held would be approximately SIX (6) MONTHS from the date of this notice. A notice of the actual date cf the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any f~me exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Eileen Thiry, Mellon Bank, N. A., Two Mellon Bank Center, Room 152-AB50, Pittsburgh PA 15259-0001; Telephone no.: 412-234~676; Fax 412-234-7226; e- mail thiry.ep~mellon.com. .E. FFECT OF SHERIFF'S SAI F - You should realize that a Sheriff's 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 Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGF - You x may or may not (check one) setl or transfer your home to a buyer or transferee who will ~"ssume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and cost 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 POSIT]ON 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 tN 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY IS ATTACHED. Very truly yours, SAIDI~INDSAY John?,~J. Kope~ky, Esquire (Account no. 0275.040708-4.34) Eiieen Thiry Mailed by 1't Claes mail / Certificate of Mailing and Certified Mail No.: 7099 3400 0018 5047 7684 4 PENNSYLVANINA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES THE PENNSYLVANIA HOUSING FINANCE AGENCY CAN BE REACHED TOLL FREE AT 1 (800) 342- 2397 ~COUNT'Y Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 I. Jnglestown Road Hardsburg, PA 17102 (717) 541-1757 Financial Services Unlimffed 117 West 3~ Street Waynesboro, PA 17268 (717) 762-3285 Urban League of Metropolitan Hamsburg 25 N. Front Street Hamsburg, PA 17101 (717) 234-5925 FAX (717) 232-4985 YVVCA of Cadisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX (717) 243-3948 Date: May 24, 2001 ACT 91 / 6 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE To: Walter A. Loomis Evelyne Loomis 437 North 2"d Street 437 North 2r~ Street Wormleysburg PA 17043 Wormleysburg PA 17043 THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY. This is an official notice that the mortqaqe on your home is in default and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached paqes. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) MAY BE ABLE TO HELP TO SAVE YOUR HOME. This Notice explains how the proqram works, To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet the counselinq aqency. The name. address and phone number of Consumer Credit Counselinq Aqencies servinq your County are listed at the end of this Notice. rf you have any questions, you may call the Pennsylvania Housinq Finance Agency toll free at 1-800-342-2397 (Persons with impaired hearinq may 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. LA NOTIFICACION EN AD JUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO OE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY~ SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO'POR EL PROGRAMA LLAMADO "HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA FERDIDA DEL DERECHO A REDIMAR SU HIPOTECA. STATEMENTS OF POLICY Homeowner's Name(s): Property address: Loan / Account number: Original Lender: Current Lender / Servicer: Walter A. Loomis 437 North 2'd Street, Wormleysburg, PA 17043 0275.040708--434 Mellon Bank, N. A. Mellon Bank, N. A. Evelyne Loomis HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAI~I YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOMi 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 FrNANCE AGENCY. TEMPORARY STAY OF FORECLOSURF - 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. Dudng that time you must arrange and attend a face-to-face meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT THIRTY (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - if you meet with one of the consumer credit counselinq adencies listed at the end of this Notice the lender may NOT take action aqainst you for thirty (30/days after the date of this meetinq. The names, addresses and telephone numbers of desiqnated consumer credit counselinq aqencies for the County in which the oroperty 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 ASSISTANCF - Your mortgage is in a default for the reason set forth later in [his Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies tisted at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they witl assist you in submitting a complete applicat on to the Pennsylvania Housing Finance Agency. Your application MUST be flied or postmarked within thirty (30) days of your f ace-lo-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,l THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSE 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) 2 HOW TO CURE YOUR MORTGAGE DEFAULT/8rinq it up to date) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property loCated at: Insert Property Address IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Start/End: December 26m, 2001 thru April 26h, 2001 at $116.00 per month. Monthly Payments Plus Late Charges Accrued $ 713.20 NSF: $ n/a Inspections: $ n/a Other $ n/a (Suspense) $ n/a Total amount to cure default $ 713.20 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (.Do not use if not applicable): N/A HOW TO CURE THE DEFAULT - You may cure the default within THIR'FY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $713.20, 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 tn: Eileen Thiry, Mellon Bank, N. A., Two Mellon Bank Center, Room 152- ABS0, Pittsburgh PA 15259-0001; Telephone no.; 412-234-3676; Fax 412-234-7226; e-mail thiry.ep(~mellon.com. You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter, IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its riqhts to accelerate the mortqaqe debt. This means the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorney to start legal action to foreclose upon your mortqaqe prooerb/. IF THE MORTGAGE IS FORECLOSED UPON - The Mortgage property will be sold by the Sheriff to pay off the mortgage debt. If the Fender refers your case to its attorney, but you cure 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 owed to 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 REMEDIE,~ - 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 SAI F - If you have not cured the default within THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the riqht to cure the default~ale at an time u to one hour before the Sheriff's Sale. You ~ the total amount then asr due. lus an late or other char es then due reasonable attome's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writinq by the lender and by performinq any other requirements under the mortqaqe. 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. 3 EARLIEST POSSIBLE SHERIFF'S SALE DATF - It is estimated that the eadiest date that such a Sheriff's Sale of the mortgage property could be held would be approximately SIX (6) MONTHS from the date of this notice. A notice of the actual date of the Shedff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Eileen fhiry, Mellon Bank, N. A., Two Mellon Bank Center, Room 152-AB$0, Pittsburgh PA 15259-0001; Telephone no.: 412-234-3676; Fax 412-234.7226; e- mail thiry.ep(~mellon.com. EFFECT OF SHERIFF'S SALF - You should realize that a Sheriff's 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 Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGF - You x may or may not (check one) sell or transfer your home to a buyer or transferee who will ~'ssume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and cost 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY IS ATTACHED. Ven/truly yours, SAID~~)LINDSAY J o h~a~J. ~o p e~----"~q uire CC: (Account no. 0275.040708-434) Eileen Thin/ Mailed by Class ma I / Certificate of Mailing and Certified Mail No.: 7099 3400 0018 5047 7691 4 PENNSYLVANINA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES THE PENNSYLVANIA HOUSING FINANCE AGENCY CAN BE REACHED TOLL FREE AT 1 (800) 342- 2397 CUMBERLAND COUNTY Consumer Credit Counseling Set"vice of Western Pennsylvania, Inc. 2000 LJnglestown Road Hamsburg, PA 17102 (717} 541-1757 Financial Services Unlimited 117 West 3'" Street Waynesboro, PA 17268 (717) 762-3285 Urban League of Metml~olitan Ha~sburg 25 N. Front Street Harrisburg, PA 17101 1717) 234-5926 FAX (717) 232-4985 YWCA of Cadisle 301 G Street Carlisre, PA 17013 (717) 243-3818 FAX (717) 243-3948 Date: May 24, 2001 ACT 91 / 6 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE To: Waiter A. Loomis 10283 Edison Road Evelyne Loomis Osceola IN 46561 10283 Edison Road Osceola IN 46561 THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY. This is an official notice that the mort a e on our home is in default and the lender intends to foreclose. S ec~fic ~nformation about the nature of the default is rovided m the attached a es. The HOMEOWNER'S M ~ n~,e._~.~?WNER'S MORTGAGE ASSISTANCE PROGRAM HEMAP) MAY BE ABL~ TO ~4~I ~ Tn bAV~ YL)UR HOME This Notice ex2lains how the ro ramw~ ~w:~x lams r~ow the ro ram works To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet the .COunselinq aqency. The name address and__Ehone number of Consumer Credit Counselin A_.q_~cies servi~ listed at the en._..~d of this Notice~ an uest~ons,-'-'~u ma call the Penns Ivania Housin Finance ~ 1-800-342-2397~red hearin ma 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 tawyer. LA NOTIF1CACION EN AD JUNTO ES DE SUMA IMPORTANClA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIOO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA FERDrDA DEL DERECHO A REDIMAR SU HIPOTECA. STATEMENTS OF POLICY Homeowner's Name(s): Property address: Loan / Account number: Original Lender: Current Lender / Servicer: Walter A. Loomis 437 North 2"~ Street, Wormleysburg, PA 17043 0275.040708-434 Mellon Bank, N. A. Mellon Bank, N. A. Evelyne Loomis HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY SE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOI~i FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WiTH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF t983 (THE "AC'C'), 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 FORECLOSURF - 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. During that time you must arrange and attend a face-to-face meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT THIRTY (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counselinq aqenc~es listed at the end of this Notice the lender may NOT take action aqainst you for thirty (30/days after the date of this meetinq. The names, addresses and telephone numbers of desiqi~a[ed consumer credit counselinq aqencies 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 ASSISTANCF - Your mortgage is in a default for the reason set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Applicat on with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. 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 Pennsy vania Housing Finance Agency of its decision on your app icat on. -'NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE S FOR INFORMAT ON PURPOSE 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) 2 ~,OW TO CURE YOUR MORTGAGE DEFAULT (8rinq it up to date) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: Insert Property Address IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the folloWing amounts are now past due: Start/End: December 26m, 2001 thru April 26~, 2001 at $116,00 per month. Monthly Payments Plus Late Charges Accrued $ 713.20 NSF: $ n/a Inspections: $ n/a Other $ nla (Suspense) $ n/a Total amount to cure default $ 713.20 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not aoplicabl¢): N/A 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 $713.20, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. ~ayments must be made either by cash, cashier's check, certified check or money order made aayable and sent to: Eileen Thiry, Mellon Bank, N. A., Two Mellon Bank Center, ~'0om 152- ARSO, Pittsburgh PA 15259-0001; Telephone no.: 412-234-3676; Fax 412-234-7226; e-mail thiry.ep@mellon.com. You can cure any other default by taking the folrowing action within THIRTY (30) DAYS of the date of this letter. [..F YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its riqhts to accelerate the mortqaqe debt This means the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorney to start legal action to foreclose upon your mortqaqe property !?' THE MORTGAGE IS FORECLOSED UPON - The Mortgage property will be sold by the Shedff to pay off the mortgage debt. If the lender refers your case to its attorney, but you cure 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 owed to the tender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to a ' p y attorney s fees OTHER LENDER REMEDIE,~ - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. .R!GHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SAI F - If you have not cured the default within THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the riqht to cure the tdheefaUJt and revent the sale at an timeu to o,e hour before the Sheriff's Sale. You ma do sob a in total amount then asr due ius an late or other char es then due reasonable attorne's fees and costs connected w th the foreclosure sale and an other costs connected w~th the Sheriffs Sale as .................. ,-,, ~,~,~,~u~ ~ ~,~ an(] an otner costs connected with the ' ------------- specified in writinq by the lender and by performinq any other requirements under the mortqaqe. 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 DATF - It is estimated that the earliest date that such a SherffCs Sale of the mortgage property could be held would be approximately SIX (6) MONTHS from the date of this notice. A notice of the actual date of the Shedf'f's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Eileen Thiry, Mellon Bank, N. A., Two Mellon Bank Center, Room 152-AB50, Pittsburgh PA 15259-0001; Telephone no.: 412-234-3676; Fax 412-234-7226; e- mail thiry.ep~mellon.com. EFFECT OF SHERIFF'S SA[ F - You should realize that a Sheriff's Sale will end your ownership of the mortgaged proper'b/and your right to occupy it. If you continue to Five in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGF - You x may or may not (check one) sell or transfer your home to a buyer or transferee who will ~'ssume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and cost are paid prior to or at [he 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 8ORROW 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY IS A"FTACHED. CC: Very truly yours, (Account no. 0275.040708..434) Eileen Thiry SAID~NDSAY Mailed by 1't Class mail / Certificate of Mailing and Certified Mail No.: 7099 3400 0018 5047 7677 4 PENNSYLVANINA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES THE PENNSYLVANIA HOUSING FINANCE AGENCY CAN BE REACHED TOLL FREE AT 1 (800) 342 - 2397 CUMBERLAND COUNTY Consumer Cred~ Counseling SewiceofWestemPennsylvania, ln~ 2000UnglestownRoad Hardsburg, PA 17102 (717)541-1757 Financial Services Unlimited 117 West 3'" Street Waynesbom, PA 17268 (717) 762-3285 Urban League of Metropolitan Hamsburg 25 N. Front Street Harrisburg, PA 17101 (717) 234-5925 FAX (717) 232-4985 YWCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX (717) 243-3948 7099 3400 0018 5047 7691 EXHIBIT E' 7099 3400 0018 5047 2202 I t 7099 3400 0018 o ~ rn ~ ~ ~ 5047 7684 AUG. Ifi'OII~¥ED) 12:58 ~I'FG FORECI,OSURt,i AREA TEh:,It223,17226 'IL003 [-] ~nul .. - ,- 7- .,.~ wdl n~ak~ ?ontMy ~ent~ of finance charge (and e~edit insu/an~ chinned, thai ~te l ~11 ma~e/nofllh~ ~en~ ut lhe money ~tx~ed and fiuazllz charge (and credit insuran~ ~arg~, il appli~ble) ~lcalated in thc manner d~d on ~ge 3 ot Ihs Agleeincllt for a Hoaw Equay a~unL g g p . ~r~n~agc rat~ m finan~ ~arge ~ll t ~n~ my cqui~ in my home. ~ I r~u~t that ~u apply a rain--am amount of g when ~l~latlng my monthly ~nent Of mon~ ~R~eeess: _ 1 requ~t y~u to tm~mh lx}n~mllg through my PCI. ac~)u~ by crediting Il ~c Mc n Bank fl~ll a~un~ when any ~,.:.~?.~er.~etora,~ them. ~t~,~czd~afi ac(:e~s lo n)y PCL ~<ounl will 13~l cover fees and ct]urges iml~ed I~ ~nnection with my a<nLxn~ listed ~low wdl l~ a~ed thc fees di~l[~ed f~[ Ihifl ~c vi~ ~e Cdnsu met Sero ~s Pri~ Sched~ e, wh eh may change flora time . :~.00~002-0485 W~TER A L~I~ ~ EVEI, YNE by the use of' any card or identification number with which ~ny per.on cnn make wl~d~wals f~m nnl of the ac~15 ligt~ a~v~ {Burring ~ the ~ nra ~rd Or idcntifi~tinn numar may, on ~sion, t~ rent.emily unavailable.) F~s: ! ~11 ~y the re~ wbi~: ar~ indi~t~ Fee lot re~d~ng mortgage ut deed of trust m public re~)tds (mortgage/dccfl of n uat $ ] S. OO is a ~url~ ImcrcsI in real proart) $ 25.50 Fee lot rel~ ut mortgage or deed of l: use in public ~ccc:~ds (~tirnaled ba~d on current coles) $ ~ ~ .~Q Cl(~ing ~tle ~rch (to determin~ me.hip of pro.ny given as ~cuci~) S Fee for vedfimfion offl~ ha~ ~mtua of pco~y g~n m ~ltlement m riming fcc $ 14. O0 Rc~r~tion T~ $ 0 - OO ~ I have cntcrcd into 8 ~ratc 8grccmcm ~[h you priding that thc a[mtJal fee ~ [ IIOI tm charzcd on this a~unt If I ~te Cb~ If I do DOt ~kC 8 ~enr in ~ll ~rhin 15 ~ a~cr it ia duc, I ~11 ~ c~rgcd $~,~ or 10~ of thc amount of <hcdul~ ~c~t, wbich~gr i~ ~ ~1 pro~ ~ a~j~ l ~vc ~[h you or an ~ ~ncfi~l intcmt in land trus{ %n m~n$ thatyou or an nmi$nee ~11 hn~ thc right m take such pro~rty or mone~ to pay all or ~tt o{ my Oebt d tt i~ not paid in a~rOan~ ~th th~ t~rms of this ~ceemem. N(}~ Pnge$ ~ nnd 4 of this ~meut ~n{ain ndditional terms and You acc ~ing ~ked tn guaraome this debt. Ahiok ~ceful y tmfore you do ~. If thc ~cr0wcr d~n't ~y thc debt, yo0 will have to, BC Yo~ m~ h~ to ~y up to thc lull amount ol thc debt if the ~rr~er d~m not ~y. You may a~ ha~ to ~y late fees or ~fllection '1~ noli~ is not thc <nl~ flint mak~ ~u Imble for tile debt. (Semi) Page 2 of 4 AUG. I5"OI(WED) 12:$9 MTG FORECI.OSURE AREA TEL:412234?226 P, 004 B~l~nce o~ wifich Flnnn~ Ch~ Is C~lcolalc~; '[h~ final~'chofge will ~ ch~rg~ 0~ ~ch ~ng from Ihe dat~ yo~ lchd ih~ money until it ~ m~id. [ a~cc to ~y thc ~n~ dirge, as ~lm~lat~ in this Age.meat, on {ho amount of any ~u~ ludgmeHt againM me f0~ any · t ' y 1~ Iai [{m t}~lhng ~cl~ and d~d~ ~c mini ~ the num~[ of da~ in d.: [~e ~cmmed at any time during that billing ~cl~ ~ appli~ble a~tc o~ fcOCral law Onchming s a ~ ~, rul~, and ~egulatiom). ch~rges dmz have a~cued through thc end of t~c pre.ding billing t~clc, principal revivable (expla ned Im ~), anflua fcc and late ~a[g~ the amaur:~s of my ~yme~lt$ (including credit [ns~ran~ charg~s, if appl/~ble) ~ll ~ c~lculaled al {he c]~ of busin~ 0~1 thc first husine~ day tha* iiomeowner's Accounts Home Equity Aeeount-~ Rcgarttleas of the calculation dr-~.crtbed above, the requited {~ynlet t w not ~ 1~ Ih~ ~ any higher Changing or Closing my PCL Account: 'lhi~ afiree~nent ~rm~ you to make ¢~tain chang~ to thc te~ nf mr PCL a~unt at s~clfied Pay c Mtlh~ ~1 Id Pa nenl Meth~ ~2 under ~r ' ~t ~tiHns ~ig A P g 0f tl~ta ~rccmcnt, you ~n ce ut[~ toe to change I Mil to m~t any of tho ~en{ te~s at this ~emenl- - I die, and my death ~ll f~ult ill transfer ol my ~nersBip of the real pro.fly s¢curin~ my PCL a~unl lo ~}mcone who is flat a signer of the You will have the r~ghl m pr0hibil additional t~0~ngs through my Pek ~un{ {}c cedu~ Hie crcd~l Iimi[ {}f my PCL a~um fnr any ~rind a re~Mto~ a$~ h~ notified y~ t~t it ~uld ~mstitute an un.f= and unsound pracn~ to r~]tinuc to ~t ~n$ through my PCL CREDITOR COPY AUG.-IS"01tWED) t3:00 MT6 FOR~J(;I,0SURE ARE~ TE1,:4122347226 b. 00$ · · relate to h~ous su~mn~ on the pm~n~ or ~ ~_~.et~rmme~, c~r had ~ reachable Opix~untty to ~ermine, ~ he ~nditions de-~ ......... .gt~l ~r~g pn~leg~ and Colleen: If~u u~ the ~ et ~ mtmn~ ~ mlle~ mon~ I ~ or to p~tect year rights un~r t~ ~ement, i ~11 ~y ~ble 8~fity ln~ll: Rc~rdl~ of thc team et any other d~umcm, my PCI. a~um ~l[ not ~ ~r~ ~ any de.it mhcr t~o m~ requued unusan~ ~s not purch~d Or mmn~mned or th~.wcmmms ate nog paid, you m~y ffyou cb~, obtain ~oran~ or ~y thc rcm ~ C~I [n~u~n~; If I have si~cd n ~u~t tot c~diz imuran~, thc p.w~io~ of thai germ and thc C~ttifi~tc o[ l~u~ n~ a ~rt of Assi~mcn~ y~ mn ~m]sfcr ~r n~o ~nd obli~tio~ u0de[ ti]is ~mem tO an~nc you ch~; h~er. my righ~ uuder thi~ Agreement ~ot ~ t~nsfe~ lo anyone. Billing Rights - Keep this Notice for Futnre Use: T~ls notice Cnntains im[x)rtant iatmmation al'x]u~ your ngbss and our r~nsibitities Notify Us In Case of E~ or Queslion$ A~iut ~oor ~l~tcmcnt. If ou think our state: e ~n~our IChor, ~ ~ t~ ~g m~tbn: ~ong. TO stop thc ~ent your letter mils( ~cach us three b~sj-,,-0 y~ ...... ~1[ ?count, yo? ~o atop ~e ~Ilcn[ on any Youy ~gh~ ~d ~ur Rcs~nslbilifle{ A~r We R~ive Your Written NoIi~. We 1~ wc h~ve ~t~ ibc error t~ then. WRhm ~ da~. ~ musl cid]er ~)rrcet thc crro~ or ~l~:-~-~-~!cdgc.~ur letter wtthm ~ ~, unle~ qu~uon~ amount while we ar~ mvcs/i~arin~ ~-'- ~'~ --~ ~,',' ~PP~Y any unpmo amoun agains~ your credit /imtt Y-iI ,4 ..... ~taiclncnt. ~d. Wc must tel you the namc%l ~vonc ~i wc mu%tell anyone wc re.ri ~u to ~hat you ~vc a -,%:~t~u ~u ~tw~n ~ wnco It fina~ ~ ...... ~,,c~ ynu to we must tell ~nyune we relict you r~rhat the ~~ut lf~ don't ~1~ th~ ~l~ ~ ~a't ~)H~ thc fi~t ~50 of the -u~t oz cd a '- [ ae~l~ge that ~ls la ~ge 3 and 4 of the Mellon S~u~ Pc~onnl C~it Line ~ment ~afinblc RaM) which I have 111497 16:48 Initials ot Baxl~,wc~ (a) Page 4 of 4 SHERIFF'S RETURN - CASE NO: 2001-04851 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND MELLON BANK N A VS. LOOMIS WALTER A ET AL U.S. CERTIFIED MAIL R. Thomas Kline , Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law served the within named DEFENDANT ,LOOMIS WALTER A by United States Certified Mail postage prepaid, on the 22nd day of August ,200~ at 0000:00 HOURS, at 10283 EDISON RD OSCEOLA, IN 46561 and attested copy of the attached COMPLAINT - MORT FORE with receipt card was signed by WALTER A LOOMIS o9/ol/2OOl Additional Comments: a true Together The returned on Sheriff's Costs: Docketing 18.00 Service 10.40 CERT MAIL 6.01 Surcharge 10.00 .00 44.41 Sheriff of Cumberland County Paid by SAIDIS SHUFF FLOWER & LINDSAY Sworn and subscribed to before me this j2 ~-~day of_~~ ~ A.D. ! n~;not ary ~' ~ on 09/06/2001 SHERIFF'S RETURN - U.S. CERTIFIED MAIL CASE NO: 2001-04851 p COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND MELLON BANK N A VS. LOOMIS WALTER A ET AL R. Thomas Kline , Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law served the within named DEFENDANT ,LOOMIS EVELYNE by United States Certified Mail postage prepaid, on the 22nd day of August ,2001 at 0000:00 HOURS, at 10283 EDISON RD OSCEOLA, IN 46561 and attested copy of the attached COMPLAINT - MORT FORE with receipt card was signed by WALTER A LOOMIS 09/01/2001 Additional Comments: , a true Together The returned on Sheriff's Costs: Docketing 6.00 Service .00 CERT MAIL 6.01 Surcharge 10.00 .00 22.01 So answers: ~ ~. Thomas Kline Sheriff of Cumberland County Paid by SAIDIS SHUFF FLOWER & LINDSAY Sworn and subscribej to before me this /~ ~ day of ~_~ -)~ A.D. ~ 9r6thonotary on 09/06/2001 · Complete items 1, 2, and 3. Also complete item 4 If Ra~ Delivery Is desired. · PHnt your nm~e and addres~ on the reverse so thet we cen return the cerd to you. · Attach this card to the back of the mallplece~ or on the front If space pa~nits. 1. Article Addressed to: Evelyne Loomis 10283 Edison Rd. Osceola, IN 46561 X :]~)r,C.,eWd~ Mall Regme~d Mail 4. Re~fllcted Deliver? (Exim Fee) OYe~ 2. Article Number (Copy ~=rn ~ ~ 7099 3220 ~9 157~ 3068 ~ 0~7~8}~ ?ivil PS F~ 381 1, July 1~ ~ ~m ~ I~M~ · Comp~te item~ 1, 2, end 3. Nso complete item 4 if Restrictad Delivery is desired. · Print your name and address on the reverse so that we cen retum the cerd to you. · Attach this card to the baok of the mailplece, or on the front if space pafrnits. 1. Article Addr~ m: Walter A. Loomis 10283 Edison Rd. Osceola, IN 46561 A. Re, aired by (Ffe,e P~nt OkaY). If YES, [] Agent ~ Certified Mail [] Expres~ Mail [] RegJste~ [] Return Receipt for Iv~ise [] Insured Mail [] C.O.D. Restricted D~k, ef'/? (Extra Fee) [] 2.,~le,~,~,~,,,~,~,~.~ i~051i, il ii 01;4851i civil 7099i 3,~20 PS Form 381 1, July 1999 Domestic Return Receipt 102595-00-M-0952 SAIDIS SHUFF, FLOWER & LINDSAY 26 W. High Street Carlisle, PA Johnna J. Kopecky, Esquire ID # 53147 Saidts, Shuff, Flower & Lindsay 26 West High Street Carlisle, PA 17013-2956 717-243-6222 MELLON BANK N. A., Plaintiff V. WALTER A. LOOMIS and EVELYNE LOOMIS, Defendant(s) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO.: 01-4851 Civil CIVIL ACTION - Law MORTGAGE FORECLOSURE PRAFC:IPF Fi3R DFFAIII T JHI3C. MFNT TO THE PROTHONOTARY: Please enter a judgment by default in favor of the Plaintiff and against the Defendant(s) for failure to Answer the Complaint in the amount of seven thousand thirty-three and 60/100 ($7,033.60) Dollars, plus interest at $1.85 per diem and costs and for foreclosure and sale of the mortgaged premises. I certify the Ten (10) Day Notice of Entry of Default pursuant to Rule 237.1 was mailed U. S. First Class Mail postage prepaid and is attached as Exhibit "A". Dated Prothonotary AND NOW, thisO~d~ay of Respectfully submitted, SAIDI$, $HUFF, FLOWER & LINDSAY ,2001, a default judgment has been entered in the amount of seven thousand thirty-three and 60/100 ($7,033.60) Dollars, plus interest at $1.85 per diem and costs and for foreclosure and sale of the mortgaged premises. Prothonotary '- ~ Account no. 0275.040708-434 Docket no. 01-4851 fl Johnna J. Kopec~y, Esquire ID # 53147 Saidle, Shuff, Flower & Lindsay 26 West High Street Carlisle, PA 17013-2956 717-243-6222 MELLON BANK N. A., Plaintiff V. WALTER A. LOOMIS and EVELYNE LOOMIS, Defendant(s) TO: Waiter A. Loomis 10283 Edison Road Osceola IN 46561 DATE OF NOTICE: IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO.: 01--4851 Civil CIVIL ACTION * Law MORTGAGE FORECLOSURE September 20, 2001 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE. GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FiND OUT WHERE YOU CAN GET LEGAL HELP: Cumberland County Bar Association 2 Liberty Avenue Carlisle PA 17013 U.S, POSTAL SERVICE CERTIFICATE OF MAILING I · Law Offices ! Saidis, Shuff, Flower & Lindsa~ t ~) i I' By: 26 West Hioh Street \ Carlisle Pa 17013-2956 Walter A Loomis 10283 Edison Road Osceola IN 46561 PS Form 3817, January 2001 Johnna J. Kopecky. Esquire ID # 53147 Saidls, Shuff, Flower & Lindaay 26 West HigJ~ Street Cai'lisle, PA 17013-2956 717-243-6222 MELLON BANK N. A., Plaintiff WALTER A. LOOMIS and EVELYNE LOOMIS, Defendant(s) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO.: 01-4851 Civil CIVIL ACTION - Law MORTGAGE FORECLOSURE TO: Evelyne Loomis 10283 Edison Road Osceola IN 46561 DATE OF NOTICE: September 20, 2001 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE· IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: U.S. POSTAL SERVICE CERTIFICATE OF MAILING MAY BE USED FOR DOMESTIC AND ~NTERNATIONAL MAIL, DOES NOT Law Offices Saidis, Shuff, Flower & Lindsay 26 West High Street Carlisle PA 17013-2956 Evelyne Loomis 10283 Edison Road Osceola IN 46561 Cumberland Count7 Bar Association 2 Liberty Avenue Carlisle PA 17013 · . ~ -4851 PS Form 3817, January 2001 U.S. POSTAL SERVICE Johnna J. Kopecky, Esquire ID # 53147 Saidis, Shuff, Flower & Lind.say 26 west High Street Carlisle, PA 17013-2956 717-243-6222 MELLON BANK N. A., Plaintiff WALTER A. LOOMIS and EVELYNE LOOMIS, Defendant(s) TO: Walter A. Loomis 437 North 2"" Street Wormleysburg, PA 17043 DATE OF NOTICE: September 20, 2001 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO.: 01-4851 Civil CIVIL ACTION - Law MORTGAGE FORECLOSURE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: CERTIFICATE OF MAILING MAY BE USEO FOR DOMESTIC AND INTERNAT ONAL MAIL, DOES NOT Law Offices [ Saidis, Shuff, Flower & Lindsay ",~ 26 West High Street , ,-~ Carlisle PA 17013-2956 '~ Walter A Loomis 437 North 2~d Street Wormleysburg PA 17043 Cumberland County Bar Association 2 Liberty Avenue Carlisle PA 17013 Affix fee h~'e m stamps la 1-4851 Ps Form 3817, January 2001 U.S. POSTAL SERVICE Johnna J. Kopecky, Esquire I0 # 53147 Saidie, Shuff, Flower & Lind&ay 26 west High Street Carlisle, PA 17013.2956 717-243-6222 MELLON BANK N. A., Plaintiff WALTER A. LOOMIS and EVELYNE LOOMIS, Defendant(s) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO.: 01-4851 Civil CIVIL ACTION - Law MORTGAGE FORECLOSURE TO: Evelyne Loomis 437 North 2"d Street Wormleysburg, PA 17043 DATE OF NOTICE: September :20, 2001 IMP~RTArdT N~3TIC. F YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THiS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE TH;S NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: CERTIFICATE OF MAILING MAY BE USED FOR DOMESTIC AND iNTERNATIONAL MAIL, DOES NOT ~=ROVIOE FOR INSURANCE-POSTMASTER Law Offices Saidis, Shuff, Flower & ~indsay 26 West High Stree~ Carlisle PA 17013-2956 Evelyne Loomis 437 North 2nd Street Wormleysburg PA 17043 Cumberland Coun~ Bar Association 2 Liberty Avenue Carlisle PA 17013 ? By: 1-4851 Ps Form 3817, January 2001 Johnna J. Ko~ecky, Esquire ID # 53147 Saidis, Sh[~ff, Flower & Lindsay 26 West High Street CarlisJe, PA 17013-2956 717-243-6222 MELLON BANK N. A., Plaintiff WALTER A. LOOMIS and EVELYNE LOOMIS, Defendant(s) TO: Tenant in Possession 437 North 2"" Street Wormleysburg, PA 17043 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO.: 01-4851 Civil CIVIL ACTION - Law MORTGAGE FORECLOSURE DATE OF NOTICE: September 20, 2001 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: ~J.S. POSTAL SERVICE CERTIFICATE OF MAILING MAy BE USED FOR DOMESTIC AND INTERNATIONAL MAIL. DOES NOT Law Offices ~ ( Saidis, Shuff, Flower & LlndSay ~.. 26 West High Street ~ Carlisle PA 17013-2956 Cumberland County Bar Association 2 Liberty Avenue Carlisle PA 170'13 By: ~,~n~ J/~pecky,,~re ~-,~ttorne~(..fdr the Plaintiff Tenant in Possession 437 North 2n<~ Street Wormleysburg PA 17043 )1-4851 PS Form 3817. January 2001 Johnna J. Kopecky, Esquire ID # 53147 Saldis, Shuff, Flower & Llndsay 26 West High Street Carlisle, PA 17013-2956 717-243-6222 MELLON BANK N. A., Plaintiff WALTER A. LOOMIS and EVELYNE LOOMIS, Defendant(s) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO.: 01-4851 Civil CIVIL ACTION - Law MORTGAGE FORECLOSURE TO: Walter A. Loomis 10283 Edison Road Osceola IN 46561 You are hereby notified that on 2001, the following Judgment has been entered against you in the above-captioned case. Date: Prothonotary I hereby certify that the name and address of the proper person to receive this notice is: Walter A. Loomis 10283 Edison Road Osceola IN 46561 Account no. 0275.040708-434 Docket no. 01-4851 Johnna J. Kopecky, Esquire ID # 53147 Saidis, Shuff, Flower & Lindsay 26 West High Street Carlisle, PA 17013-2956 717-243-6222 MELLON BANK N. A., Plaintiff V, WALTER A. LOOMIS and EVELYNE LOOMIS, Defendant(s) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO.: 01-4851 Civil CIVIL ACTION - Law MORTGAGE FORECLOSURE TO: Evelyne. Loomis 10283 Edison Road Osceola IN 46561 You are hereby notified that on 2001, the following Judgment has been entered against you in the above-captioned case. Date: Prothonotary I hereby certify that the name and address of the proper person to receive this notice is: Evelyne Loomis 10283 Edison Road Osceola IN 46561 Account no. 0275.040708-434 Docket no. 01-4851 Johnna J. Kopecky, Esquire ID # 53147 Saidis, Shuff, Flower & Llndaay 26 West High Street Carlisle, PA 17013-2956 717-243-6222 MELLON BANK N. A., Plaintiff V. WALTER A. LOOMIS and EVELYNE LOOMIS, Defendant(s) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO.: 01-4851 Civil CIVIL ACTION - Law MORTGAGE FORECLOSURE TO: Walter A.. Loomis 437 North 2"a Street Wormleysburg PA 17043 You are hereby notified that on 2001, the following Judgment has been entered against you in the above-captioned case. Date: Prothonotary I hereby certify that the name and address of the proper person to receive this notice is: Walter A. Loomis 437 North 2n~ Street Wormleysburg PA 17043 Account no. 0275.040708-434 Docket no. 01-4851 Johnna J. Kopecky, Esquire ID # 53147 Saidie, Shuff, Flower & Lindeay 26 West High Street Carlisle, PA 17013-2956 717-243-6222 MELLON BANK N. A., Plaintiff V. WALTER A. LOOMIS and EVELYNE LOOMIS, Defendant(s) TO: Evelyne. Loomis 437 North 2na Street Wormleysburg PA 17043 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO.: 01-4851 Civil CIVIL ACTION - Law MORTGAGE FORECLOSURE You are hereby notified that on 2001, the following Judgment has been entered against you in the above-captioned case. Date: Prothonotary I hereby certify that the name and address of the proper person to receive this notice is: Evelyne. Loomis 437 North 2nd Street Wormleysburg PA 17043 Account no. 0275.040708-434 Docket no, 01-4851 Johnna J. Kopecky, Esquire ID # 53147 Saidie, Shuff, Flower & Llndeay 26 West High Street Carlisle, PA 17013-2956 717-243-6222 MELLON BANK N. A., Plaintiff V. WALTER A. LOOMIS and EVELYNE LOOMIS, Defendant(s) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO.: 01-4851 Civil CIVIL ACTION - Law MORTGAGE FORECLOSURE TO: Tenant in Possession 437 North 2n~ Street Wormleysburg PA 17043 You are hereby notified that on 2001, the following Judgment has been entered against you in the above-captioned case. Date: Prothonotary I hereby certify that the name and address of the proper person to receive this notice is: Tenant in Possession 437 North 2n~ Street Wormleysburg PA 17043 Account no. 0275.040708-434 Docket no. 01-4851