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HomeMy WebLinkAbout11-6406 UDREN LAW OFFICES, P.C. BY: MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 SHERRI J. BRAUNSTEIN, ESQUIRE - ID #90675 DANIEL S. SIEDMAN, ESQUIRE - ID #306534 HEATHER RILOFF, ESQUIRE - ID #309906 PAIGE M. PRONOVOST, ESQUIRE - ID#309091 LEE SCHOTTENFELD, ESQUIRE - ID#91654 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadin2s(a-),udren.com U.S. Bank National Association, as Trustee for Asset Backed Securities Corporation Home Equity Loan Trust, Series OOMC 2006-HE5, Asset Backed Pass- Through Certificates, Series OOMC 2006-HE5 C/O American Home Mortgage Servicing, Inc. 1525 S. Beltline Rd. Coppell, TX 75019 Plaintiff V. MICHAEL P. HARRIS 138 WEST GREEN STREET MECHANICSBURG, PA 17055 CARRIE M. VOGELSONG 138 WEST GREEN STREET MECHANICSBURG, PA 17055 Defendant(s) ATTORNEY FOR PLAINTIFF c . ?1 a?? ? Cr.? ?f9 C:j COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND County No. l l-1sqb1Q Cj vi t COMPLAINT IN MORTGAGE FORECLOSURE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. Q?9apvtvd41 Cl?a. r3t? Qµ?b32?y I. ,• YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYERS REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (800) 990-9108 AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se dafiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (800) 990-9108 NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. UDREN LAW OFFICES, P.C. /s/ Mark J. Udren, Esquire Woodcrest Corporate Center 111 Woodcrest Road, Suite 200 Cherry Hill, NJ 08003-3620 (856) 669-5400 1. Plaintiff is the entity designated in the caption on a preceding page. Plaintiff is the legal holder of the Mortgage that is the subject of this Action. Plaintiff is either the current mortgagee of record, is the legal holder of the Mortgage by virtue of being successor in interest to the current mortgagee of record, or is the legal holder of the Mortgage by virtue of Assignment of Mortgage. If Plaintiff is the legal holder of the Mortgage by virtue of Assignment of Mortgage, it is by the following Assignments of Mortgage, all of which have either been recorded or Plaintiff is in the process of formalizing the actual Assignment of Mortgage in Plaintiff s favor: Assignor: Sand Canyon Corporation f/k/a Option One Mortgage Corporation Assignee: U.S. Bank National Association, as Trustee for Asset Backed Securities Corporation Home Equity Loan Trust, Series OOMC 2006-HE5, Asset Backed Pass-Through Certificates, Series OOMC 2006-HE5 Date of Assignment: Recorded Date: Book/Instrument #: Page: 2. Upon information and belief Defendant(s) and/or their predecessor: Micheal P. Harris, Carrie M. Vogelsong (hereinafter "Defendants"), are the owners of property located at 138 West Green Street, Mechanicsburg, PA 17055, by virtue of Deed dated 04/28/2006 and recorded 05/01/2006 in Official Records Book 274 at Page 1409 of the Public Records of Cumberland County, Pennsylvania (hereinafter the "Property"). 3. On 04/28/2006, Defendant(s) and/or their predecessor: MICHAEL P. HARRIS CARRIEE M. VOGELSONG promised to pay to the order of Option One Mortgage Corporation, the principal sum of $107,200.00 payable with interest thereon provided in the Note. 4. By Mortgage dated 04/28/2006, Defendant(s) and/or their predecessor: MICHAEL P. HARRIS CARRIE M. VOGELSONG to secure the Note, mortgaged to Option One Mortgage Corporation, the Property which is the subject of this action. The Mortgage was recorded on 05/01/2006 in Official Records Book 1948 at Page 4106. Said Mortgage is incorporated herein by referenced in accordance with Pa.R.C.P 1019(g). A legal description of the mortgage premises is attached hereto and made a part hereof. 5 6. Said mortgage is in default in that the payment due 05/01/2011, and all subsequent payments have not been made, and by its terms, upon breach and failure to cure said breach after notice, all sums secured by said Mortgage, together with the other charges authorized by said Mortgage and itemized below, shall be immediately due. After demand, the Defendant(s) continues to fail or refused to comply with the terms of the Mortgage as follows: (a) By failing or refusing to pay the installments of principal and interest when due in the amounts indicated below; (b) By failing or refusing to pay other charges, if any, indicated below. The following amounts are due on the said Mortgage or modification agreement as of the date stated below Unpaid Principal Balance $106,134.49 Accumulated Interest $2,740.59 Accumulated Late Charges $503.18 Title Report $325.00 Attorney Fees- Estimated $1,300.00 Recoverable Balance $138.40 Grand Total $111,141.66 The above figures are calculated as of 08/04/2011: The interest rate is subject to adjustment if more fully described as such in the note and mortgage. The interest rate on the subject note is at 7.50000 %. The per diem interest accruing on this debt is $21.81 and that sum should be added each day after the above date. The late charge is subject to adjustment if more fully described as such in the note and mortgage. The late charge rate on the subject note should be added in accordance to the terms of the note and mortgage charged monthly at $47.63. 7. Breach letters have been sent to Defendant(s) in accordance with the requirements of the subject mortgage, The Pennsylvania Act 6 of 1974 of the Commonwealth of Pennsylvania and the Pennsylvania Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983. Copies of the breach letters are attached hereto as Exhibit "A". WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant(s) herein in the sum of $111,141.66 plus ongoing interest, costs and attorneys fees and for sale of the Mortgaged premises. UDREN LAW OFFICES, P.C. BY:_ I c? V-Sel ; w) Psi . SCHEDULE C Legal Description Commitment Number. 1606 ALL that certain lot, parcel, piece of ground, with the improvements thereon erected, situate in Mechanicsburg Borough, Cumberland County, Pennsylvania, bounded and described in accordance with a survey prepared by D.P. Raffensberger Associates, dated August 13, 1982, as follows, to wit: BEGINNING at an iron pin on the northeast line of West Green Street at corner of property now or late of John A.H. Zeigler and Anna Zeigler, his wife; thence along said last mentioned land, North 2 degrees 15 minutes East, 12.80 feet of a point; thence along the same, North 9 degrees 54 minutes West, 16.43 feet to a point; thence along the same, North 80 degrees 4 minutes 38 seconds East, 4.19 feet to a point thence along the same, North 2 degrees 15 minutes East 92.40 feet to a post at a 15 foot alley; thence by said alley, North 79 degrees 15 minutes East 27 feet to a point at the dividing line between the lot herein described and Lot No. 2 as described in the above-referenced survey: thence along said last mentioned dividing line South 2 degrees 15 minutes West 122 feet to a point on the northern side of West Green Street; thene along the northern side of West Green Street, South 79 degrees 15 minutes West 27.65 feet to an iron pin, the Place of BEGINNING. J" fk'culu?;J ounty PA 0 Recorder of Deeds 948pG4 6 STEWART TITLE GUARANTY COMPANY AHM60I 05/10/2011 7104 5400 ..oo 4043 =... I? 0 0'! 7.5 9 6 1 Michael P Hams 138 W Green St Mechanicsburg, PA 17055 (Rev. 9/2008) Date: May 10, 2011 ACT 91 NOTICE TAK%mv ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage 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 pages. IMPORTANT INFORMATION CONCERNING YOUR RIGHTS IS CONTAINED ON PAGE FOUR The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) maybe able to help to save your home. This notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address, and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACIO'N EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACIO'N OBTENGA UNA TRADUCCIO'N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRE'STAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Michael P Harris PROPERTY ADDRESS: 138w Green St Mechanicsburg, PA 17055 LOAN ACCT. NO.: 0021462411 ORIGINAL LENDER: OPTION ONE MORTGAGE CORPORATION CURRENT SERVICER: American Home Mortgage Servicing, Inc. CURRENT LENDER: U.S. Bank National Association, as Trustee for Asset Backed Securities Corporation Home Equity Loan Trust, Series OOMC 2006-HE5, Asset Backed Pass-Through Certificates, Series OOMC 2006-HE5 EXHTRTT A Page two 0021462411 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOUMAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: * IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, * IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND * IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on 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 PURPOSES ONLYAND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) Page three HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date): NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 138w Green St, Mechanicsburg, PA 17055 IS SERIOUSLY IN DEFAULT because: 0021462411 A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: (a) Monthly payments from 03/01/2011: (b) Late charge(s): (c) Other charge(s): NSF and Advances (d) Less: Credit Balance (e) Total amount required as of 05/10/2011: $3,049.86 $360.29 $128.80 $588.28 $2,950.67 HOW TO CURE THE DEFAULT - You may cure this default within THIRTY (30) DAYS from the date of this Notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $2,950.67, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES (and other 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: American Home Mortgage Servicing, Inc. 1525 S. Beltline Rd. Copp ell, TX 75019 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of date of this Notice, the lender intends to exercise its right to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you 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 you owe the lender, which may also include other reasonable costs.If you cure the default within the THIRTY (30) DA Yperiod, 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 DEFA ULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAYperiod and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff s Sale of the mortgaged property could be held would be approximately five (5) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. Page four 0021462411 HOW TO CONTACT THE LENDER Name of Lender: American Home Mortgage Servicing, Inc. Address: 1525 S. Beltline Rd. Coppell, TX 75019 Telephone Number: 1-877-304-3100 Fax Number: 1-866497-1263 Contact Person: Brandon Wirth, Michael Heath E-mail Address: brandon.wirth@ahmsi3.com, michael.heath@ahmsi3.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 Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOUMAYALSO HAVE THE RIGHT.- 0 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 ARE LISTED ON THE ATTACHED PAGES. American Home Mortgage Servicing, Inc. is attempting to collect a debt, and any information obtained will be used for that purpose. Unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, we will assume this debt is valid. If you notify us in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, we will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. Upon your written request within thirty days after the receipt of this notice, we will provide you with the name and address of the original creditor, if the original creditor is different from the current creditor. Sincerely, American Home Mortgage Servicing, Inc. American Home Mortgage Servicing, Inc. 1525 S. Beltline Rd. Coppell, TX 75019, 1-877-304-3100 AGENCY NAME ADDRESS PHONE COUNTIES SERVED Action-Housing, Inc 8? 425 6th Ave; STE 950 Pittsburgh, PA 15219 800.792.2801 4]2.281.2]02 Allegheny, Beaver, Butler, Fayette, Greene, Washington, Westmoreland Advocates for Financial Independence -Philadelphia 1628 3FK Blvd-8 Penn Ctr; STE 2210 Philadelphia, PA 19103 215.218.4342 Philadelphia Advocates for Financial Independence-Philadelphia 1503 Wadc..,,,rt, A- Milud.t.Jd. pA rp,<n Affordable Housing Centers of America 846 North Broad Street Ist Floor Philadelphia, PA 19130 215.765.1221 Philadelphia American Credit Alliance, Inc. 2 S Delmont Ave Morrisville, PA 19067 215.295.7195 Bucks, Montgomery American Credit Counseling Agency 6800 Market St., 1st Floor, Upper Darby, PA 19130 888.212.6741 Delaware, Philadelphia American Credit Counseling Institute 100 Porter Road Suite 108 Pottstown, PA 19464 888.212.6741 Berks,Bucks, Chester, Lehigh, Montgomery American Credit Counseling Institute 212 Berwick-Hazelton Hwy Nescopeck, PA 18635 888.468.8847 Carbon, Columbia, Lackawanna, Lehigh, Luzeme, Monroe, Skbulkill American Credit Counseling Institute 526-528 Dekalb Street Norristown, PA 19401 610.971.2210 8882126741 Delaware, Montgomery American Credit Counseling Institute 229 E Chestnut Street Iat Floor Coatesville, PA 19320 888.212.6741 Chester, Lancaster American Credit Counseling Institute American Financial Counseling Services Inc. 586 West Street Road Warminster, PA 18974 215.444.9429 888 212 6741 Bucks, Montgomery, Philadelphia American Credit Counseling Institute 21 South Church Street West Chester, PA 19380 888.212.6741 Chester American Credit Counseling Services Inc. 827 N 19th Street Allentown, PA 18104 888.468.8847 Bucks, Carbon, Lehigh, Monroe. Northhampton, Skhuylkill American Financial Counseling Services Inc. 175 Strafford Avenue Suite One Wayne, PA 19087 267.228.7903 800.490.3039 Becks, Bucks, Chester, Delaware, Montgomery, Philadelphia American Financial Counseling Services Inc. 906 Penn Avenue Wyomissing, PA 19610 267.228.7903 900490.3039 Barks American Financial Counseling Services Inc. 2880 Bergey Road Suite H Hatfield, PA 19440 260,2287903 800.4903039 Barks, Chester, Montgomery American Financial Counseling Services Inc. 111 Buck Road Huntingdon Valley, PA 19006 267.228.7903 Bucks, Montgomery, Philadelphia American Financial Counseling Services Inc. 259 Veterans Lane Suite 101 Doylestown, PA 18901 267.228.7903 800 .490.3039 Bucks, Montgomery American Financial Counseling Services Inc. 404 Executive Drive Lan home, PA 19047 8 267.228.7903 800 .490.3039 Bucks, Montgomery American Financial Counseling Services Inc. 1080 N. Delaware Avenue Suite 200 Philadelphia, PA 19125 267.228.7903 00.490.3039 8 Bucks, Delaware, Montgomery American Financial Counseling Services Inc. 3008 Hamilton East Suite 2 Stroudsburg, PA 18360 267.228.7903 Carbon, Monroe American Financial Counseling Services Inc. 405 West Germantown Pike Norristown, PA 19403 267.228.7903 800.490.3039 Delaware, Montgomery American Red Cross - Hanover Chapter 529 Carlisle Street Hanover, PA 17331 717.637.3768 Adams, Franklin, York American Red Cross of Chester 1729 Edgemont Avenue Chester, PA 19013 610.874.1484 Chester, Delaware Armstrong County Community Action Agency 705 Butler Rd Kittanning, PA 16201 724.548.3613 Armstrong (APM) 600 W Diamond St Philadelphia, PA 19122 215.235.6070 267.953.4615 Delaware, Philadelphia, Chester BASE, Incorporated 447 S. Prince St Lancaster, PA 17603 717.392.5467 Lancaster, York BerksMont Housing and Financial Counseling, Inc. 50 East Philadelphia Ave., Boyerlown, PA 19512 484.955.9494 Barks, Montgomery Blair County Community Action Agency 2100 6th Ave; STE 102, PO Box 1833 Altoona, PA 16602 814.946.3651 Blair Booker T. Washington Center 1720 Holland Street Erie, PA 16503 814.453.5744 Crawford, Erie, Waren Bucks County Housing Group 2324 Second St Pike; STE 17 Wrightstown, PA 18940 866.866.0280 Bucks Bucks County Housing Group 349 Durham Road Perndel, PA 19047 866.866.0280 Bucks Bucks County Housing Group 200 West Bridge Street Morrisville, PA 19067 966.866.0280 Bucks Bucks County Housing Group 470 Old Dublin Pike Doylestown, PA 18901 866.866.0280 Bucks Bucks County Housing Group 515 West End Boulevard Quakertown, PA 18951 866.866.0280 Bucks Budget Counseling Center 247 N Fifth St Reading, PA 19601 610.375.7866 Becks, Schuylkill, Chester Carroll Park Community Council, Inc. 5219 Master St Philadelphia, PA 19131 215.877.1157 Chester. Delaware, Philadelphia Catholic Social Services Diocese of Scranton 516 Fig Street Scranton, PA 185051 570.207.2283 Lackawanna, Monroe, Wayne, Wyoming CCCS of Delaware Valley 1717 Swede Road Suite 110 Blue Bell, PA 19422 215.563.5665 Montgomery CCCS of Delaware Vallev 1230 New Rodgers Road Suite Fl Bristol, PA 19007 215.563.5665 Bucks CCCS of Delaware Valley One Cherry Hill Suite 215 Cherry Hill, PA 08002 215.563.5665 Philadelphia CCCS of Delaware Valley - Center City Philadelphia 1608 Walnut St; 10th FL Philadelphia, PA 19103 215.563.5665 Bucks, Delaware, Montgomery. Philadelphia CCCS of Delaware Valley - Coatesville 1003 East Lincoln Hwy; Suite 102 Coatesville, PA 19320 215.563.5665 Bucks, Chester, Delaware, Montgomery, Philadelphia tcetneved December 6, 2010 from http:/,Iwww.phfa.org/forms/counseling_agencies/hemap_agenciesihemap.pdf CCCS of Delaware Valley - Media 280 N Providence Rd Media, PA 19063 215.563.5665 Delaware CCCS of Delaware Valley - West Chester 770 E Market St; STE 190 West Chester, PA 19382 215 563 5665 Chester D l . . , e aware CCCS of Delaware Valley -Philadelphia Catholic Social Services Building 7340 Jackson St 800.989.2227 Philadelphia, PA 19136 215.563.5665 Philadelphia, Bucks CCCS of Delaware Valley -Philadelphia 4400 North Reuse St Philadelphia, PA 19140 800.989.2227 215 561 5665 Bucks, Chester, Delaware, Montgomery, Philadelphia CCCS of Delaware Valley (Community Action Develonment Comm- CADCOM) 113 East Main Street 2nd Floor Norristown, PA 19401 215.563.5665 Bucks. Chester. Delaware xe..-,..,.e.., ot,; u,ae?..w:.. CCCS of Lehi h Valle g y -Quakertown 127 S. 5th St STE 155 Quakertown, PA ] 8951 610.585.9518 888.845.5669 Bucks CCCS of Lehigh Valley Division of Money Management International 3671 Crescent Court E Whitehall, PA 18052 610.821.4011 800.837.9815 Carbon, Lancaster, Lehigh, Schuylkill, Northampton, Berks, Bucks CCCS of Northeastern PA 129 Rolling Ridge Drive State College, PA 16801 814.238.3668 800.922.9537 Blair, Centre, Clearfield, Clinton, Huntingdon, Juniata, Mifflin CCCS ofNortheastem PA 201 Basin Street Suite 6 Williamsport, PA 17701 570.323.6627 800.922.9537 Centre, Clinton, Lycoming, Northumberland, Union CCCS ofNortheastem PA - Pittston CCCS of Northeastern PA - Stroudsbur B 401 Laurel St Pittston, PA 18640 411 Main St; STE 104 Stroudsburg, PA 18360 800.922.9537 570.602.2227 800.922.9537 570.420.8980 Bradford, Carbon, Luzeme, Clinton, Columbia,Lackawanna, Lycoming, Mifflin Monroe Montour Northumberland Pike Sullivan Tioga, Union Bradford, Carbon, Monroe, Pike, Wayne CCCS of Westen PA The Franklin Center 524 Franklin Avenue Ali ui PA 1500] 888.5] 1.2227 Cameron CCCS of Westen PA 41 E. Chestnut Street Meadville, PA 15301 888.511.2227 Washington CCCS of Wester. PA 312 Chestnut Sheet Suite 227 Meadville, PA 16335 888.511.2227 Lawrence CCCS of Westen PA - Altoona Royal Remax Plaza 917A Logan Blvd; Royal Remax Plaza Altoona PA 16602 800.511.2227 570.602.2227 Armstrong, Bedford, Blair, Cambria, Centre, Clearfield, Huntingdon, Juniata, Mifflin, Union CCCS of Westen PA - Butler Butler County Career Link Pullman Commerce Center 112 Hollywood Dr; Butler PA 16001 888.511'227 - Butler, Clarion, Jefferson, Mercer, Venango CCCS of Westen PA -Erie 4402 Peach St; Lower Level Erie, PA 16509 888.511.2227.108 Crawford, Erie, Warren CCCS of Westen PA - Greensburg I N Gate Square; #2 Garden Center Drive Greensbur PA 15601 888.5] 1.2227 Indiana, Westmoreland, Fayette, Greene, Somerset, Washington CCCS of Westen PA 2000 Linglestown Rd; Harrisburg, PA 17110 888.5112227 Dauphin,Perry, York, Snyder, Adams, Cumberland, Franklin CCCS of Westen PA - Pittsburgh 2403 Sidney St; STE 400 River Park Commons Pittsbu b PA 15203 888.511.2227 Allegheny CCCS of Westen PA -York 55 Clover Hill Road Dallastown, PA 17313 888.511.2227 Franklin,Lancaster, York, Fulton Center for Family Services, Inc. 213 Center St Meadville, PA 16335 814.337.8450 Crawford, Venango Center in the Park 5818 Germantown Ave Philadelphia, PA 19144 215.848.7222 Philadelphia Central Pennsylvania Community Action, Inc. PO Box 792; 207 East Cherry Street, Clearfield, PA 16830 814.765.1551 Centre, Clearfield Chester Community Improvement Project. 412 Ave of the States, Chester, PA 19016 610.876.8663 Chester, Delaware, Montgomery, Philadelphia Comm. On. Econ Opportunity of Luzeme County 163 Amber Lane, Wilkes-Barre, PA 18702 570.826.0510 Carbon, Luzeme, Potter, Wyoming Community Action Commission - Capital Region 1514 Derry St Harrisburg, PA 17104 717.232.9757 Cumberland, Dauphin, Franklin, Perry, Snyder Community Action Committee of the Lehigh Valley 1337 E Fifth St Bethlehem, PA 18015 610.691.5620 Berks, Carbon, Lehigh, Monroe, Northampton Community Action Southwest 150 W Beau St; STE 304 Washington, PA 15301 724.225.9550 Washington Community Action Southwest 58 E Greene St Waynesburg, PA 15370 724.852.2893 Allegheny, Fayette, Greene, Washington, Westmoreland CONGRESO 216 W Somerset St Philadelphia, PA 19133 215.763.8870 Philadelphia Council of Spanish Speaking Organisation 705-09 N Franklin St Philadelphia, PA 19123 215.627.3100 Philadelphia Credit Counseling Center 832 2nd St Pike Richbom, PA 18954 215.348.8003 Bucks Credit Counseling Center 60 North Main Street Lower Level Doylestown, PA 18901 215/348-8003 Bucks Credit Counseling Center 8150 Route 13, Levittown, PA, 19057 215.348.8003 Bucks, Montgomery, Philadelphia Deliverance Community Development Corp, Inc 2001 W Lehigh Ave. Philadelphia, PA 19145 215.226.7600 Philadelphia Diversified Community Services Dixson House 1920 S. 20th St. Philadelphia, PA 19145 215.3363511 Bucks, Chester, Delaware, Philadelphia Esperanza 4261 North Sib St. Philadelphia, PA 19140 215.324.0746 Philadelphia Fair Housing Partnership of Greater Pittsburg, Inc. 2840 Liberty Ave.: STE 205, Pittsburg, PA 15222 412.391.2535 Allegheny Fayette Co. Community Action Agency, Inc. 140 N Beeson Blvd Uniontown, PA 15401 800.427.rNFO 724.437.6050 Fayette, Somerset FOB CDC 1201 West Olney Avenue Philadelphia, PA 19141 215.549.8755 Bucks, Chester, Delaware, Philadelphia, Garfield Jubilee Associates 5138 Penn Ave Pittsburgh, PA 15224 412-665-5200 Allegheny Germantown Settlement 5538 Wayne Ave: BLDG C Philadelphia, PA 19144 215.849.3104 Bucks, Chester, Delaware, Montgomery, Philadelphia Grace Neighborhood Development Corporation 5200 Oxford Ave Philadelphia, PA 19124 215.535.3885 Philadelphia Retrieved Deccmber 6, 2010 from http://www.phfa.org/forms/counseling_agencies/hemap_agencies/hemap.pdf Greater Erie Community Action Committee 18 West 9[h St. Erie, PA 16501 814.459.4581 Crawford, Venango, Erie, Warren Greater Philadelphia Asian Social Service Center 4943 North 5th St. Philadelphia, PA 19120 215.456.1662 Philadelphia HACE 167 W. Allegheny Ave. 2nd Floor, Philadelphia, PA 19140 215.426.8025 Bucks, Chester, Delaware, Philadelphia Hispanic Alliance for Community Advancement 2740 North Front Street Philadelphia, PA 19133 215.667.8932 Philadelphia Housing Alliance of York 35 S Duke St York PA 17401 717.854.1541 York Housing Association of Delaware Valley 658 North Watts Street Philadelphia, PA 19123 215. 978.0224 York Housing Association of Delaware Valley 658 North Watts Street Philadelphia, PA 19123 215.978.0224 York Housing Association of Delaware Valley 1500 Walnut St. STE 601 Philadelphia 19140 215.545.6010 Philadelphia Housing Authonty of Butler County 114 Woody Dr Butler, PA 16001 724.287.6797 Butler Housing Opportunities of Beaver County 282 East End Ave Unit I Beaver, PA 15009 724.728.7511 Beaver, Lawrence Housing Partnership of Chester County 41 W Lancaster Ave Downingtown, PA 19335 610.518.1522 Chester, Delaware, Montgomery Indiana Co. Community Action Program 827 Water St., Box 187, Indiana, PA 15219 724.465.2657 Armstrong, Cambria, Clmrfield, Indiana, Jefferson, Westmoreland Intercommanity Action, Inc. 6012 Ridge Av. Philadelphia, PA 19128 215.487.0914 Philadelphia Intercultural Family Services, Inc. 4225 Chestnut St Philadelphia, PA 19104 215.386.1298 Philadelphia Korean Community Development Services Center 6055 N 5th St Philadelphia, PA 19120 215.276.8830 Philadelphia Lawrence County Social Services, Inc. PO Box 189, 241 W Grant St, New Castle, PA 16101 724.658.7664 724.658.7258 Lawrence Liberty Resources 714 Market St: STE 100 Philadelphia, PA 19106 215.634.2000 Philadelphia Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 Adams, Cumberland, Franklin, Fulton, Perry Media Fellowship House 4302 S Jackson St Media, PA 19063 610.565.0434 Chester, Delaware, Montgomery Mon Valley Unemployment Committee 338 E. Ninth Ave., 2nd Floor, Homestead PA, 15120 412.462.9962 Allegheny, Washington, Westmoreland Mt. Airy, USA 6703 Germantown Ave. STE 200 Philadelphia, PA 19119 215.844.6021 Philadelphia ' Nazareth Housing Services 301 Bellevue Road Pittsburgh, PA 15229 412.931.6996 Allegheny Neighborhood Housing Services of Reading 213 N 5th St; STE 1030 Reading, PA 19601 610.372.8433 Berks Neighborhood Housing Services of Lackawanna County 709 E Market St Scranton, PA 18509 570.558.2490 Lackawanna,Luzeme, Wayne, Wyoming NeighborWorks of Western PA 710 Fifth Ave: STE 1000 Pittsburgh, PA 15219 412.281.9773 Allegheny, Armstrong, Beaver, Butler, Favette, Washington, Westmoreland New Kensington Community Development Corp. 2515 Frankford Ave Philadelphia, PA 19125 215.427.0350 Philadelphia NID-Housing Counseling-Philadelphia 1518 West Susquehanna Avenue Philadelphia, PA 19150 267385.7624 Philadelphia Norris- Square Civic Association 149 West Susquehanna Avenue Philadelphia, PA 19122 215.426.8723 Philadelphia Northern Tier Community Action Corp. 135 West 4th Street PO Box 389 Emporium, PA 15834 814.486.1161 Cameron, Elk, McKean, Potter Northwest Counseling Service, Inc. 5001 North Broad Street Philadelphia, PA 19141 215.324.7500 Bucks, Chester, Delaware,Montgomery, Philadelphia PA Interfaith Community Programs Inc.Northeast 22 Willow Road Hamburg, PA 19526 610.562.2288 Berks, Lebanon, Lehigh, Schuylkill Pennsylvania Housing Finance Agency 2275 Swallow Hill Rd, Bldg 200, Pittsburg, PA 15220 412.429.2842 Allegheny PA Interfaith Community Programs, Inc. 40 E High St Gettysburg, PA 17325 717.334.1518 Adams, Franklin, Cumberland, York PHFA 211 N. Front St Harrisburg, PA 17110 717.780.3940 800.342.2397 Cumberland, Dauphin Philadelphia Council for Community Advancement 1617 JFK Blvd; STE 1550 Philadelphia, PA 19103 215.567.7803 800.930.4663 Chester, DelawargMontgomery, Philadelphia Philadelphia Senior Center 509 South Broad Street Philadelphia, PA 19147 215.546.5879 Philadelphia RHD-American Angel Housing Counseling 102 Pickering Way Suite 200 Exton, PA 19341 610.768.2811 Chester RHD-American Angel Housing Counseling 1060 First Avenue Suite 400 King of Prussia, PA 19406 610.733.2985 Montgomery RHD-American Angel Housing Counseling 600 West Germantown Pike Suite 400 Plymouth Meeting, PA 19462 610.768.2811 Montgomery RHD-American Angel Housing Counseling Two Bala Plaza Suite 300 Bala Cynwyd, PA 19004 610.768.2811 Montgomery RHD-American Angel Housing Counseling Two Penn Center Plaza Suite 200 Philadelphia, PA 19102 610.768.2811 Philadelphia RHD-American Angel Housing Counseling 150 North Radnor Chester Road Suite F200 Radnor PA 19087 610.7682811 Delaware Schuylkill Community Action 225 N Centre St Pottsville, PA 17901 570.6211995 Berks, Carbon, Lebanon, Lehigh, Luzeme, Northumberland, Schuylkill Shenango Valley Urban League, Inc. 601 Indiana Ave Farrell, PA 19121 724.981.5310 Crawford, Lawrence, Mercer South Philadelphia HOMES, Inc. 1444 Point Breeze Ave Philadelphia, PA 19146 215.334.4430 Philadelphia Southwest Community Development Corporation 6 328 Paschall Ave Philadelphia, PA 19142 215.729.0800 Philadelphia Retrieved December 6, 2010 from http://www.phfa.org/forms/counseling_agencies/hemap_agencies/hemap.pdf Southwestern PA Legal Services 45 E Main St STE 200 Uniontown, PA 15401 724.439.3591 Fayette Southwestern PA Legal Services 63 S Washington St Waynesburg, PA 15370 724.627.3127 Greene Southwestern PA Legal Services -Somerset County 218 West Kimberly Avenue Suite 101 Somerset, PA 15501 814.443.4615 Somerset Southwestern PA Legal Services Inc. 10 W Cherry Av. Washington, PA 15301 724.225.6170 Washington St. Martin Center 1701 Parade St Erie, PA 16503 814.4516113 Crawford, Erie, Venango, Warren Lycoming-Clinton Counties Commission for Community Action 2138 Lincoln S1 P.O.Box 3568 Williamsport, PA 17701 570.326.0587 Centre, Clinton, Lycoming, Union Tableland Services Inc. 535 E Main St Somerset, PA 15501 800.452.0148 814.445.9628 Bedford, Cambria, Fayette, Somerset, Westmoreland TABOR Community Services, Inc. 308 E King St Ste. 1, Lancaster, PA 17608 800.788.5062 717397.5182 Chester, Lancaster, Lebanon The Partnership CDC 4020 Market St; STE 100 Philadelphia, PA 19104 215.662.1612 Philadelphia The Pittsburgh Community Reinvestment Group 1901 Centre Avenue; STE 200 Pittsburgh, PA 15219 412.391.6732 Allegheny The Trehab Center of Northeastem PA German Street, P.O. Box 389, Dushore, PA 18614 570.928.9668 800.982.4045 Sullivan The Trehab Center of Noneastem PA 10 Public Ave PO Box 366 Montrose, PA 18801 800.982.4045 570.278.3338 Susquehanna, Wyoming The Trehab Center of Noneastem PA 147 Oak Ridge Drive Towanda, PA 18848 570.265.6179 800.982.4045 Bradford The Trehab Center of Noneastem PA 52 Plaza Ln Weilsboro, PA 16901 800.982.4045 570.724.5252 Tioga United Communities Southeast Philadelphia 2029 S 8th St Philadelphia, PA 19148 215.467.8700 Philadelphia United Neighborhood Centers of Northeastern PA 425 Alder Street Scranton, PA 18505 570.346.0759 Lackawanna, Luzeme, Wayne, Wyoming Universal Companies 800 S 15th St Philadelphia, PA 19146 215.7316518 Philadelphia Urban League of Philadelphia 121 S Broad St; 9th FL Philadelphia, PA 19107 215.985.3220 Bucks, Chester, Delaware, Philadelphia Urban League of Pittsburgh 610 Wood Street Pittsburgh, PA 15222 412.227.4802 Allegheny Voices for Independence 1107 Payne Ave Erie, PA 16503 800.838.9890 814.874.0064 Erie Warren-Forest Counties I Economic Opportunity Council EOC 1209 Pennsylvania Ave West, P.O.Box 547, Warren, PA 16365 814.726.2400 Forest, Warren West Oak Lane Community Development Corporation CDC 7300 Ogontz Avenue Philadelphia, PA 19138 215.224.0880 Philadelphia Retrieved December 6, 2010 from http://www.phfa.org/forms/counseling_agencies/hemap_agencies/hemap.pdf Agb(BI IIII?II?IIIIIIIIII? 05/10/ 2011 7104 5400 2100 4043 5105 Carrie M Vogelsong 138 W Green St Mechanicsburg, PA 17055 (Rev. 9/2008) Date: May 10, 2011 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage -your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. IMPORTANT INFORMATION CONCERNING YOUR RIGHTS IS CONTAINED ON PAGE FOUR The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address, and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACIO'N EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACIO'N OBTENGA UNA TRADUCCIO'N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRE'STAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Carrie M Vogelsong PROPERTY ADDRESS: 138w Green St Mechanicsburg, PA 17055 LOAN ACCT. NO.: 0021462411 ORIGINAL LENDER: OPTION ONE MORTGAGE CORPORATION CURRENT SERVICER: American Home Mortgage Servicing, Inc. CURRENT LENDER: U.S. Bank National Association, as Trustee for Asset Backed Securities Corporation Home Equity Loan Trust, Series OOMC 2006-HE5, Asset Backed Pass-Through Certificates, Series OOMC 2006-HE5 Page two 0021462411 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOUMAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: * IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, * IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND * IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLYFOR 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 counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCYACTION - 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 CURRENTLYPROTECTED BY THE FILING OFA PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLYAND SHOULD NOT BE CONSIDERED AS ANA TTEMPT TO COLLECT THE DEBT. (If you have ftled bankruptcy you can still apply for Emergency Mortgage Assistance.) Page three 0021462411 HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date): NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 138w Green St, Mechanicsburg, PA 17055 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: (a) Monthly payments from 03/01/2011: (b) Late charge(s): (c) Other charge(s): NSF and Advances (d) Less: Credit Balance (e) Total amount required as of 05/10/2011: $3,049.86 $360.29 $128.80 $588.28 $2,950.67 HOW TO CURE THE DEFAULT - You may cure this default within THIRTY (30) DAYS from the date of this Notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $2,950.67, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES (and other 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: American Home Mortggage Servicing, Inc. 1525 S. Beltline Rd. Coppell, TX 019 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of date of this Notice, the lender intends to exercise its right to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you 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 you owe the lender, which may also include other reasonable costs.Ifyou cure the default within the THIRTY (30) DAYperiod, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaidprincipal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFA ULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAYperiod and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately five (5) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. Page four 0021462411 HOW TO CONTACT THE LENDER Name of Lender: American Home Mortgage Servicing, Inc. Address: 1525 S. Beltline Rd. Coppell, TX 75019 Telephone Number: 1-877-304-3100 Fax Number: 1-866-497-1263 Contact Person: Brandon Wirth, Michael Heath E-mail Address: brandon.wirth@ahmsi3.com, michael.heath@ahmsi3.com EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAYALSO 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 ARE LISTED ON THE ATTACHED PAGES. American Home Mortgage Servicing, Inc. is attempting to collect a debt, and any information obtained will be used for that purpose. Unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, we will assume this debt is valid. If you notify us in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, we will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. Upon your written request within thirty days after the receipt of this notice, we will provide you with the name and address of the original creditor, if the original creditor is different from the current creditor. Sincerely, American Home Mortgage Servicing, Inc. American Home Mortgage Servicing, Inc. 1525 S. Beltline Rd. Coppell, TX 75019, 1-877-304-3100 ,AGENCY NAME ADDRESS PHONE COUNTIES SERVED Action-Housing, Inc 425 6th Ave; STE 950 Pittsburgh, PA 15219 800.792.2801 412 281 2102 Allegheny, Beaver, Buller, Fayette, Greene, Washington, Westmoreland Advocates for Financial Independence -Philadelphia 1628 IFK Blvd-8 Penn Ctr; STE 2210 Philadelphia, PA 19103 215.218.4342 Philadelphia Advocates for Financial Independence -Philadelphia 1503 Wadsworth Ave. Philadelphia, PA 19150 267.323.2696 Delaware Affordable Housing Centers of America 846 North Broad Street 1st Floor Philadelphia, PA 19130 215.765.1221 Philadelphia American Credit Alliance, Inc. 2 S Delman Ave Morrisville, PA 19067 215.295.7195 Bucks, Montgomery American Credit Counseling Agency 6800 Market St., 1st Floor, Upper Darby, PA 19130 888.212.6741 Delaware, Philadelphia American Credit Counseling Institute 100 Porter Road Suite 108 Pottstown, PA 19464 888.212.6741 Berks,Bucks, Chester, Lehigh, Montgomery American Credit Counseling Institute 212 Berwick-Hazelton Hwy Nescopeck, PA 18635 888.468.8847 Carbon, Columbia, Lackawanna, Lehigh, Luzeme, Monroe, Skhulkill American Credit Counseling Institute 9 526.528 Dekalb Street Norristown, PA 19401 610.971.2210 2126741 888.212.6741 Delaware, Montgomery American Credit Counseling Institute 229 E Chestnut Street 1st Floor Coatesville, PA 19320 888.212.6741 Chester, Lancaster American Credit Counseling Institute American Financial Counseling Services Inc. 586 West Street Road Warminster, PA 18974 215.444.9429 888 212 6741 Bucks, Montgomery, Philadelphia American Credit Counseling Institute 21 South Church Street West Chester, PA 19380 888.212.6741 Chester American Credit Counseling Services Inc. 827 N 19th Street Allentown, PA 18104 888.468.8847 Bucks, Carbon, Lehigh, Momoe, Northhampton, Skhuylkill American Financial Counseling Services Inc. 175 Strafford Avenue Suite One Wayne, PA 19087 267.228.7903 800.490.3039 Beres, Bucks, Chester, Delaware, Montgomery, Philadelphia American Financial Counseling Services Inc. 906 Penn Avenue Wyomissing, PA 19610 267228.7903 800.490.3039 Berks American Financial Counseling Services Inc. 2880 Bergey Road Suite H Hatfield, PA 19440 267228.7903 800.490.3039 Beres, Chester, Montgomery American Financial Counseling Services Inc. I I I Buck Road Huntingdon Valley, PA 19006 267.228.7903 Bucks, Montgomery, Philadelphia American Financial Counseling Services Inc. 259 Veterans Lane Suite 101 Doylestown, PA 18901 267.228.7903 900.490 .3039 Bucks, Montgomery American Financial Counseling Services Inc. 404 Executive Drive Langhorne, PA 19047 267.228.7903 .490.3039 800.490.3039 Bucks, Montgomery American Financial Counseling Services Inc. 1080 N. Delaware Avenue Suite 200 Philadelphia, PA 19125 267.228.7903 490 .3039 800. Bucks, Delaware, Montgomery American Financial Counseling Services Inc. 3008 Hamilton East Suite 2 Stroudsburg, PA 18360 267.228.7903 Carbon, Monroe American Financial Counseling Services Inc. 405 West Germantown Pike Norristown, PA 19403 267228.7903 800.490.3039 Delaware, Montgomery American Red Cross - Hanover Chapter 529 Carlisle Street Hanover, PA 17331 717.637.3768 Adams, Franklin, York Amenc to Red Cross of Chester 1729 Edgemom Avenue Chester, PA 19013 610.874.1484 Chester, Delaware Armstrong County Community Action Agency 705 Butler Rd Kittanning, PA 16201 724.548.3613 Armstrong (APM) 600 W Diamond St Philadelphia, PA 19122 215.235.6070 267.953.4615 Delaware, Philadelphia, Chester BASE, Incorporated 447 S. Prince St Lancaster, PA 17603 717.392.5467 Lancaster, York BerksMont Housing and Financial Counseling. Inc. 50 East Philadelphia Ave., Boyertown, PA 19512 484.955.9494 Berks, Montgomery Blair County Community Action Agency 2100 6th Ave; STE 102, PO Box 1833 Altoona, PA 16602 814.946.3651 Blair Booker T. Washington Center 1720 Holland Street Erie, PA 16503 814.453.5744 Crawford, Erie, Warren Bucks County Housing Group 2324 Second St Pike; STE 17 Wrightstown, PA 18940 866.866.0280 Bucks Bucks County Housing Group 349 Durham Road Penndel, PA 19047 866.866.0280 Bucks Bucks County Housing Group 200 West Bridge Street Morrisville, PA 19067 866.866.0280 Bucks Bucks County Housing Group 470 Old Dublin Pike Doylestown, PA 18901 866.866.0280 Bucks Bucks County Housing Group 515 West End Boulevard Quakertown, PA 18951 866.866.0280 Bucks Budget Counseling Center 247 N Fifth St Reading, PA 19601 610.375.7866 Berk., Schuylkill, Chester Carroll Park Community Council, Inc. 5218 Master St Philadelphia, PA 19131 215.877.1157 Chester, Delaware, Philadelphia Catholic Social Services Diocese of Scranton 516 Fig Street Scranton, PA 185051 570.207.2283 Lackawanna, Monroe, Wayne, Wyoming CCCS of Delaware Valley 1717 Swede Road Suite 110 Blue Bell, PA 19422 215.563.5665 Montgomery CCCS of Delaware Valley 1230 New Rodgers Road Suite Fl Bristol, PA 19007 215.563.5665 Bucks CCCS of Delaware Valley One Cherry Hill Suite 215 Cherry Hill, PA 08002 215.5635665 Philadelphia CCCS of Delaware Valley - Center City Philadelphia 1609 Walnut St; 10th FL Philadelphia, PA 19103 215.563.5665 Bucks, Delaware, Montgomery, Philadelphia CCCS of Delaware Valley - Coatesville 1003 East Lincoln Hwy; Suite 102 Coatesville, PA 19320 215.563.5665 Bucks, Chester, Delaware, Montgomery, Philadelphia Retrieved December 6, 2010 from http://www.phfa.org/fortns/counseling_agencies/hemap_agencies/hemap.pdf CCCS of Delaware Valley - Media 280 N Providence Rd Media, PA 19063 215.563.5665 Delaware CCCS of Delaware Valley - West Chester 770 E Market St; STE 190 West Chester, PA 19382 215.5615665 Chester, Delaware CCCS of Delaware Valley -Philadelphia Catholic Social Services Building 7340 Jackson St Philadel hia PA 19136 800.989.2227 215.563.5665 Philadelphia, Bucks CCCS of Delaware Valley -Philadelphia 4400 North Reese St Philadelphia, PA 19140 800.989.2227 215.5635665 Bucks, Chester, Delaware, Montgomery, Philadelphia CCC'S of Delaware Valley (Community Action Development Comm- CADCOM 113 East Main Street 2nd Floor Norristown, PA 19401 215.563.5665 Bucks, Chester Delaware Montgome Philadel his CCC'S of Lehigh Valle Quakertown Y - 127 S. 5th St; STE 155 Quakertown, PA 18951 610.585.9518 888.845.5669 ry, p Bucks CCCS of Lehigh Valley Division of Money Management International 3671 Crescent Court E Whitehall, PA 18052 610.821.4011 800.837.9815 Carbon, Lancaster, Lehigh, Schuylkill, Northampton, Berks, Bucks CCCS of Northeastem PA 129 Rolling Ridge Drive State College, PA 16801 8141383668 800.922.9537 Blair, Centre, Clearfield, Clinton, Huntingdon, Juniata, Mifflin CCCS ofNortheastem PA 201 Basin Street Suite 6 Williamsport, PA 17701 570.323.6627 800.922.9537 Centre, Clinton, Lycoming, Northumberland, Union CCCS of Northeastern PA - Pittston CCCS of Northeastem PA - Stroudsburg 401 Laurel St Pittston, PA 18640 411 Main St; STE 104 Stroudsburg, PA 18360 800.922.9537 570.6022227 800.922.9537 570.420.8980 Bradford, Carbon, Luzeme, Clinton, Columbia,Lackawanna, Lycoming, Mifflin, Monroe Montour Northumberland Pike Sullivan Tio a Union Bradford, Carbon, Monroe, Pike, Wayne CCCS of Westen PA The Franklin Center 524 Franklin Avenue Aliquippa, PA 15001 888.511.2227 Cameron CCCS of Westen PA 41 E. Chestnut Street Meadville, PA 15301 888.511.2227 Washington CCCS of Westen PA 312 Chestnut Street Suite 227 Meadville, PA 16335 888.511.2227 Lawrence CCCS of Westen PA - Altoona Royal Remax Plaza 917A Logan Blvd; Royal Remax Plan Altoona PA 16602 800.511.2227 570.6012227 Armstrong, Bedford, Blair, Cambria, Centre, Clearfield, Huntingdon, Juniata, MittJin Union CCCS of Westen PA -Butler Butler County Career Link Pullman Commerce Center 112 Hollywood Dr Butler PA 16001 888.511.2227 Butler, Clarion, Jefferson, Mercer, Venango CCCS of Westen PA - Erie 4402 Peach St; Lower Level Erie, PA 16509 888.511.2227.108 Crawford, Erie, Warren CCCS of Westen PA - Greensburg I N Gate Square: #2 Garden Center Drive Greensbur PA 15601 888'5111227 Indiana, Westmoreland, Fayette, Greene, Somerset, Washington CCCS of Westen PA 2000 Linglestown Rd; Harrisburg, PA 17110 888.511.2227 Dauphin,Perry, York, Snyder, Adams, Cumberland, Franklin CCCS of Westen PA - Pittsburgh 2403 Sidney St; STE 400 River Park Commons Pittsbur h PA 15203 888.511.2227 Allegheny CCCS of Westen PA -York 55 Clover Hill Road Dallastown, PA 17313 888.511 2227 Franklin.Lancaster, York, Fulton Center for Family Services, Inc. 213 Center St Meadville, PA 16335 814337.8450 Crawford, Venango Center in the Park 5818 Germantown Ave Philadelphia, PA 19144 2 (5.848.7222 Philadelphia Central Pennsylvania Community Action, Inc. PO Box 792; 207 East Cherry Street, Clearfield, PA 16830 814.765.1551 Centre, Clearfield Chester Community Improvement Project. 412 Ave of the States, Chester, PA 19016 610.876.8663 Chester, Delaware, Montgomery, Philadelphia Comm. On . Econ Opportunity of Luzeme County 163 Amber Lane, Wilkes-Barre, PA 18702 570.826.0510 Carbon, Luzeme, Potter, Wyoming Community Action Commission • Capital Region 1514 Derry St Harrisburg, PA 17104 717.232.9757 Cumberland, Dauphin, Franklin, Perry, Snyder Community Action Committee of the Lehigh Valley 1337 E Fifth St Bethlehem, PA 18015 610.691.5620 Berks, Carbon, Lehigh, Monoe, Northampton Community Action Southwest 150 W Beau St STE 304 Washington, PA 15301 724.225.9550 Washington Community Action Southwest 58 E Greene St Waynesburg, PA 15370 724.852.2893 Allegheny, Fayette, Greene, Washington, Westmoreland CONGRESO 216 W Somerset St Philadelphia, PA 19133 215.763.8870 Philadelphia Council of Spanish Speaking Organization 705-09 N Franklin St Philadelphia, PA 19123 215.627.3100 Philadelphia Credit Counseling Center 832 2nd St Pike Richbom, PA 18954 215348.8003 Bucks Credit Counseling Center 60 Norm Main Street Lower Level Doylestown, PA 18901 215/348-8003 Bucks Credit Counseling Center 8150 Route 13, Levittown, PA, 19057 215348.8003 Bucks, Montgomery, Philadelphia Deliverance Community Development Corp, Inc 2001 W Lehigh Ave. Philadelphia, PA 19145 215.226.7600 Philadelphia Diversified Community Services Dixson House 1920 S. 20th St. Philadelphia, PA 19145 215336.3511 Bucks, Chester, Delaware, Philadelphia Esperama 4261 North 5th St. Philadelphia, PA 19140 215.324.0746 Philadelphia Fair Housing Partnership of Greater Pittsburg, Inc. 2840 Liberty Ave.; STE 205, Pittsburg, PA 15222 412.391.2535 Allegheny Fayette Co. Community Action Agency, Inc. 140 N Beeson Blvd Uniontown, PA 15401 800.427.INF0 724.437.6050 Fayette, Somerset FOB CDC 1201 West Olney Avenue Philadelphia, PA 19141 215.549.8755 Bucks, Chester, Delaware, Philadelphia, Garfield Jubilee Associates 5138 Penn Ave Pittsburgh, PA 15224 412-665-5200 Allegheny Germantown Settlern t 5538 Wayne Ave; BLDG C Philadelphia, PA 19144 215.849.3104 Bucks, Chester, Delaware, Montgomery, Philadelphia Grace Neighborhood Development Corporation 5200 Oxford Ave Philadelphia, PA 19124 215.5353885 Philadelphia Retrieved Uecember 6, 2010 from http://www.phfa.org/forms/counseling_agencies/hemap_agencies/hemap.pdf Greater Erie Community Action Committee 18 West 9th St. Erie, PA 16501 814.459.4581 Crawford, Venango, Erie, Warren Greater Philadelphia Asian Social Service Center 4943 North 5th St. Philadelphia, PA 19120 215.456.1662 Philadelphia HACE 167 W. Allegheny Ave. 2nd Floor, Philadelphia, PA 19140 215.426.8025 Bucks, Chester, Delaware, Philadelphia Hispanic Alliance for Community Advancement 2740 North Front Street Philadelphia, PA 19133 215.667.8932 Philadelphia Housing Alliance of York 35 S Duke St York PA 17401 717.854.1541 York Housing Association of Delaware Valley 658 North Watts Street Philadelphia, PA 19123 215. 978.0224 York Housing Association of Delaware Valley 658 North Watts Street Philadelphia, PA 19123 215.978.0224 York Housing Association of Delaware Valley 1500 Walnut St. STE 601 Philadelphia 19140 215.545.6010 Philadelphia Housing Authority of Butler County 114 Woody Dr Butler, PA 16001 724.287.6797 Butler Housing Opportunities of Beaver County 282 East End Ave Unit 1 Beaver, PA 15009 724.728.7511 Beaver, Lawrence Housing Partnership of Chester County 41 W Lancaster Ave Downingtown, PA 19335 610.518.1522 Chester, Delaware, Montgomery Indiana Co. Community Action Program 827 Water St., Box 187, Indiana, PA 15219 724.465.2657 Armstrong, Cambria, Clearfield Indiana, Jefferson, Westmoreland Intercommunity Action, Inc. 6012 Ridge Av. Philadelphia, PA 19128 215.487.0914 Philadelphia Intercultural Family Services, Inc. 4225 Chestnut St Philadelphia, PA 19104 215.386.1298 Philadelphia Korean Community Development Services Center 6055 N 5th St Philadelphia, PA 19120 215.276.8830 Philadelphia Lawrence County Social Services, Inc. PO Box 189,241 W Grant St, New Castle, PA 16101 724.658.7664 724.658.7258 Lawrence Liberty Resources 714 Market St; STE 100 Philadelphia, PA 19106 215.634.2000 Philadelphia Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 Adams, Cumberland, Franklin, Fulton, Perry Media Fellowship House 4302 S Jackson St Media, PA 19063 610.565.0434 Chester, Delaware, Montgomery Mon Valley Unemployment Committee 338 E. Ninth Ave., 2nd Floor, Homestead PA, 15120 412.462.9962 Allegheny, Washington, Westmoreland Mt. Airy, USA 6703 Germantown Ave. STE 200 Philadelphia, PA 19119 215.844.6021 Philadelphia Nazareth Housing Services 301 Bellevue Road Pittsburgh, PA 15229 412.931.6996 Allegheny Neighborhood Housing Smites of Reading 213 N 5th St; STE 1030 Reading, PA 19601 610.372.8433 Berks. Neighborhood Housing Services of Lackawanna County 709 E Market St Scranton, PA 18509 570.558.2490 Lackawanna,Luzeme, Wayne, Wyoming NeighborWorks of Western PA 710 Fifth Ave; STE 1000 Pittsburgh, PA 15219 412.281.9773 Allegheny, Armstrong, Beaver, Butler, Fayette, Washington, Westmoreland New Kensington Community Development Corp. 2515 Frankford Ave Philadelphia, PA 19125 215.4220350 Philadelphia NID-Housing Counseling-Philadelphia 1518 West Susquehanna Avenue Philadelphia, PA 19150 267.385.7624 Philadelphia Norris Square Civic Association 149 West Susquehanna Avenue Philadelphia, PA 19122 215.426.8723 Philadelphia Northem Tier Community Action Corp. 135 West 4th Street PO Box 389 Emporium, PA 15834 814.486.1161 Cameron, Elk, McKean, Potter Northwest Counseling Service, Inc. 5001 North Broad Street Philadelphia, PA 19141 215.324.7500 Bucks, Chester, Delaware,Montgomery, Philadelphia PA Interfaith Community Programs Inc.Northeast 22 Willow Road Hamburg, PA 19526 610.562.2288 Berks, Lebanon, Lehigh, Schuylkill Pennsylvania Housing Finance Agency 2275 Swallow Hill Rd, Bldg 200, Pittsburg, PA 15220 412429.2842 Allegheny PA Interfaith Community Programs, Inc. 40 E High St Gettysburg, PA 17325 717.334.1518 Adams, Franklin, Cumberland, York PHFA 211 N. Front St Harrisburg, PA 17110 717.780.3940 800.342.2397 Cumberland, Dauphin Philadelphia Council for Community Advancement 1617 JFK Blvd; STE 1550 Philadelphia, PA 19103 215.567.7803 800.930.4663 Chester, Delaware,Montgomery, Philadelphia Philadelphia Senior Center 509 South Broad Street Philadelphia, PA 19147 215.546.5879 Philadelphia RHD-Americau Angel Housing Counseling 102 Pickering Way Suite 200 Exton, PA 19341 610.768.2811 Chester RHD-American Angel Housing Counseling 1060 First Avenue Suite 400 King of Prussia, PA 19406 610.733.2985 Montgomery RHD-American Angel Housing Counseling 600 West Germantown Pike Suite 400 Plymouth Meeting, PA 19462 610.768.2811 Montgomery RHD-American Angel Housing Counseling Two Bala Plaza Suite 300 Bala Cynwyd, PA 19004 610.768.2811 Montgomery RHD-American Angel Housing Counseling Two Penn Center Plaza Suite 200 Philadelphia, PA 19102 610.768.2811 Philadelphia RHD-American Angel Housing Counseling 150 North Radnor Chester Road Suite F200 Radnor PA 19087 610.768.2811 Delaware Schuylkill Community Action 225 N Centre St Pottsville, PA 17901 570.622.1995 Berks, Carbon, Lebanon, Lehigh, Luzeme, Northumberland Schuylkill Shenango Valley Urban League, Inc. 601 Indiana Ave Farrell, PA 19121 724.981.5310 Crawford, Lawrence, Mercer South Philadelphia HOMES, Inc. 1444 Point Breeze Ave Philadelphia, PA 19146 215.334.4430 Philadelphia Southwest Community Development Corporation 6328 Paschall Ave Philadelphia, PA 19142 215.729.0800 Philadelphia Retrieved December 6, 2010 from http://www.phfa.org/forms/counsciing_agencies/hemap_agencies/hemap.pdf Southwestern PA Legal Services 45 E Main St STE 200 Uniontown, PA 15401 724.439.3591 Fayette Southwestern PA Legal Services 63 S Washington St Waynesburg, PA 15370 724.627.3127 Greene Southwestern PA Legal Services -Somerset County 218 West Kimberly Avenue Suite 101 Somerset, PA 15501 814.443.4615 Somerset Southwestern PA Legal Services Inc. 10 W Cherry Av. Washington, PA 15301 724.225.6170 Washington St. Martin Center 1701 Parade St Erie, PA 16503 814.452.6113 Crawford, Erie, Venango, Warren Lycoming-Clinton Counties Commission for Community Action 2138 Lincoln St P.O.Boz 3568 Williamsport, PA 17701 570.326.0587 Centre, Clinton, Lycoming, Union Tableland Services Inc. 535 E Main St Somerset, PA 15501 800.452.0148 Bedford, Cambria Fayette Somerset Westmoreland 814.445.9628 , , , TABOR Community Services, Inc. 308 E King St Ste. 1, Lancaster, PA 17608 800.788.5062 Chester, Lancaster, Lebanon 717.397.5182 The Partnership CDC 4020 Market St; STE 100 Philadelphia, PA 19104 215.662.1612 Philadelphia The Pittsburgh Community Reinvestment Group 1901 Centre Avenue; STE 200 Pittsburgh, PA 15219 412.391.6732 Allegheny The Trehab Center of Northeastern PA German Street, P.O. Box 389, Dushore, PA 18614 570.928.9668 Sullivan 800.982.4045 The Trehab Center of Norteastem PA 10 Public Ave PO Box 366 Montrose, PA 18801 800.982.4045 Susquehanna, Wyoming 5701783338 The Trehab Center of Norteastem PA 147 Oak Ridge Drive Towanda, PA 18848 570.265.6179 Bradford 800.982.4045 The Trehab Center of Norteastem PA 52 Plaza Ln Wellsboro, PA 16901 800.982.4045 Tioga 570.724.5252 United Communities Southeast Philadelphia 2029 S 8th St Philadelphia, PA 19148 215.467.8700 Philadelphia United Neighborhood Centers of Northeastern PA 425 Alder Street Scranton, PA 18505 570.346.0759 Lackawanna, Luzeme, Wayne, Wvoming Universal Companies 800 S 15th St Philadelphia, PA 19146 215.732.6518 Philadelphia Urban League of Philadelphia 121 S Broad St; 9th FL Philadelphia, PA 19107 215.985.3220 Bucks, Chester, Delaware, Philadelphia Urban League of Pittsburgh 610 Wood Street Pittsburgh, PA 15222 412.227.4802 Allegheny Voices for Independence ] 107 Payne Ave Erie, PA 16503 800.838.9890 Erie 814.874.0064 Warren-Forest Counties Economic Opportunity 1209 Pennsylvania Ave West, P.O.Box 547, Warren, PA Council EOC 16365 814.726.2400 Forest, Warren West Oak Lane Community Development Corporation CDC 7300 Ogontz Avenue Philadelphia, PA 19138 215124.0980 Philadelphia Retrieved December 6, 2010 from http://www.phfa.org/fonns/counseling_agencies/hemap_agencies/hemap.pdf VERIFICATION The undersigned, hereby states that he/she is the attorney for the Plaintiff; that he/she is authorized to make this Verification and does so because of the exigencies regarding this matter, and because Plaintiff must verify much of the information through agents. The statements made in the foregoing pleading are true and correct to the best of his/her information and belief and the source of his information is public records and reports of Plaintiffs agents. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. UDREN LAW OFFICES, P.C. BY: ?Y? . -,t PROTHONOTAR' UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF BY: MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 SHERRI J. BRAUNSTEIN, ESQUIRE - ID #90675 DANIEL S. SIEDMAN, ESQUIRE - ID #306534 HEATHER RILOFF, ESQUIRE - ID #309906 PAIGE M. PRONOVOST, ESQUIRE - ID#309091 LEE SCHOTTENFELD, ESQUIRE - ID#91654 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 leadings(&udren.com U.S. Bank National Association, as Trustee for Asset Backed Securities Corporation Home Equity Loan Trust, Series OOMC 2006-HE5, Asset Backed Pass- Through Certificates, Series OOMC 2006-HE5 1525 S. Beltline Rd. Coppell, TX 75019 Plaintiff V. MICHAEL P. HARRIS 138 WEST GREEN STREET MECHANICSBURG, PA 17055 CARRIE M. VOGELSONG 138 WEST GREEN STREET MECHANICSBURG, PA 17055 Defendant(s) TO THE PROTHONOTARY: 1'11 !z 15 AM 9: 31 ''. MBERLAND COUNTY PENNSYLVANIA COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND County NO. I I- Uq()U 1:A 1/1 ` ENTRY OF APPEARANCE Kindly enter the appearance of the following counsel: Mark J. Udren, Esquire; Stuart Winneg, Esquire; Lorraine Doyle, Esquire; Alan M. Minato, Esquire, Sherri J. Braunstein, Esquire; Daniel S. Siedman, Esquire; Heather Riloff, Esquire, Paige M. Pronovost, Esquire; Lee Schottenfeld, Esquire; on behalf of the Plaintiff, in the above- captioned matter. UDREN LAW OFFICES, P.C. BY: Pa&7? SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff FILED-OFFICE Jody S Smith Qarxt' of ?a,pbrr444 OF THE PROTHONOTARY Chief Deputy j 2011 AVG 23 PM 3: 37 .13 r Richard W Stewart . Solicitor F ?C? OF _'-E = "eR'"F CUMBERLAND COUNTY PENNSYLVANIA US Bank National Association Case Number vs. Michael P. Harris (et al.) 2011-6406 SHERIFF'S RETURN OF SERVICE 08/18/2011 07:29 PM - Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on August 18, 2011 at 1929 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Michael P. Harris, by making known unto Carrie Vogelsong, adult in charge at 138 W. Green Street, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to her personally the said true and correct o the same. MICHAEL BAR KICK, DEPUTY 08/18/2011 07:29 PM - Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on August 18, 2011 at 1929 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Carrie M. Vogelsong, by making known unto herself personally, at 138 W. Green Street, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to her personally the said true and correct copy of the same. AEL BAR ICK, DEPUTY' SHERIFF COST: $54.00 August 19, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF (c GountySuite Sneriff Teeosoft Inc.