HomeMy WebLinkAbout11-6807O
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 pleadings(a)udren.com
Bank of America, N.A., successor by merger to
BAC Home Loans Servicing, LP f/k/a Countrywide
Home Loans Servicing, LP
C/O BAC Home Loans Servicing, LP
16001 North Dallas Parkway
Addison, TX 75006
Plaintiff
V.
ALICEMAE C. CLICK
349 SPORTING HILL ROAD
MECHANICSBURG, PA 17050
Defendant(s)
ATTORNEY FOR PLAINTIFF
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COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND County
NO. //- 6,f 0'7 (. / v1 L
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.
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. 4:f?
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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) dial 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 provisioner 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 Bank of America, N.A., successor by merger to BAC Home Loans
Servicing, LP f/k/a Countrywide Home Loans Servicing, LP. 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:
Assignee:
Date of Assignment:
Recorded Date:
Book/instrument
Page:
2. Upon information and belief Defendant(s) and/or their predecessor:
Alicemae C. Click
(hereinafter "Defendants"), are the owners of property located at 349 Sporting Hill
Road, Mechanicsburg, PA 17050, by virtue of Deed dated 09/10/2004 and recorded
09/15/2004 in Official Records Book 265 at Page 1213 of the Public Records of
Cumberland County, Pennsylvania (hereinafter the "Property").
3. On 09/10/2004, Defendant(s) and/or their predecessor:
ALICEMAE C. CLICK
promised to pay to the order of Bank of America, N.A., the principal sum of
$106,165.00 payable with interest thereon provided in the Note.
4. By Mortgage dated 09/10/2004, Defendant(s) and/or their predecessor:
ALICEMAE C. CLICK
to secure the Note, mortgaged to Bank of America, N.A., Successor by Merger to
BAC Home Loans Servicing, LP., the Property which is the subject of this action.
The Mortgage was recorded on 09/15/2004 in Official Records Book 1880 at Page
4292. 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. Said mortgage is in default in that the payment due 04/01/2011, 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.
6. 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 $97,105.84
Accumulated Interest (due from 03/01/2011 to
08/24/2011) $3,085.93
Accumulated Late Charges $101.97
Escrow Deficit/(Reserve) $631.70
Title Report $325.00
Attorney Fees- Estimated $1,300.00
MIP $37.16
Grand Total $102,587.60
The above figures are calculated as of 08/24/2011:
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 6.62500 %. The per diem interest accruing
on this debt is $17.6253 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 $33.99.
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 $102,587.60 plus ongoing interest, costs and attorneys fees and for sale of the Mortgaged
premises.
UD iI,ZSFFICES, P.
BY: "
Alan M. Minato, Esquire
PA ID 75860
ALL THAT CERTAIN lot or piece or parcel of land situate In the Town" of Hampden, County of
Cwvft tend, Pennsylvania, more particularly bounded and described as follows;
BEGINNING at a point at the Easterly side of Sporting Hill f4oad, which point is 576 feet
soutirrrardty from the southeasterly oonnm of the Information of Sporting HM Rood and Del-Brook
Road and which point Is also at the dividing file between Lobs Nos. 2 and 3, Block B on the
tmvk W mentioned Pion of tats; tam along the test said diming line, at right angles to
Sporting HIN Road. eaatwardly 120 feet to a point at the dlvilprg In behmen Lots Nos. 2 and 21,
a" B; thence Wlong the let said dividing lime, =gvww* 80 fast loo a point at the dividing line
between Dots Not. 1 and 2, Block B: thence along the Imat said dividing line, wsMwordly 1'18.25
feet to a point at the easterly sloe of Sporft HNI Road; thence along the easterly sib of said
Spoiling Hill Road by the are of a circle o ruing to the right hwhg a radius of 468.78 feet
norfhwordty the arc dMom of 49.40 fast to a polM hmm continuing Wong the eastedy side of
send "ng Hill Road north wardly 10.83 feet to to place of BEGIMING.
BEING Lot No. 2, Block B on Plan No. 1 of Den-Broolt Manor, which Wan is recorded In the
Cur nberiantid County, Pennsylvania. Recorder of Deeds Office in Plan Book 6, Pegs 42.
HAVING erected thereon a dwelling known as 349 Sporting Hill Road, Mechanicsburg,
Pennsylvania 17055.
BEING THE SAME PREMISES which NO" P. RUGH, by his deed to, be recorded
simultaneously herewith in the Office of the faacorder of Deeds of Cumberland County, granted
and conveyed urn Aticetnae C. Click.
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BankefAmeriea
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Noes Loons
PO Box 9048
Temecula, CA 92589-9048
7196 9006 9295 1732 7986
Send Payments to:
P.O. Box 15222
Wilmington, DE 19886-5222
Send Correspondence to:
PO Box 5170, NIS SV314B 201 1 0503-7
Simi Valley, CA 93065
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Alicemae C Click
349 Sporting Hill Rd
Mechanicsburg, PA 17050-3078
EXHIBIT A
BLOPA 1 12070 12123/2010
BankofAmerica
AW Send Payments to,,
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owie
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P. O. Box 660694 Wilmington, DE 1 9 8 86-5222
Dallas, TX 75266-0694
May 2, 2011
Certified Mail:
7196 9006 9295 1732 7986
Alicemae C Click Return Receipt Reauested
349 Sporting Hill Rd Regular Mail
Mechanicsburg, PA 17050-3078
Account No.: 872791224
Property Address:
349 Sporting Hill Rd
Mechanicsburg, PA 17050-3078
Current Servicer:
BAC Home Loans Servicing, LP
ACT 91 NOTICE
TAKE 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 paaes
The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home.
This Notice explains how the proaram 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 with the Counseling Agency
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 NOTIFICACi6N EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN
SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICAC16N OBTENGA UNA TRADUCC16N
INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL
NI.IMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRt=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)
PROPERTY ADDRESS:
LOAN ACCT. NO.:
ORIGINAL LENDER:
CURRENT LENDER/SERVICER:
Alicemae C Click
349 Sportina Hill Rd
Mechanicsburg, PA 17050-3078
872791224
SAC Home Loans Servicina. LP. a subsidiary of Bank of America. N.A.
This communication is from BAC Home Loans Servicing, LP, the Bank of America company that services your home loan.
Please write your account number on all checks and correspondence.
We may charge you a fee (of up to $40.00) for any payment returned or rejected by your financial institution, subject to applicable low. BLOPAI 12870 1412314070
Payment Instnctions: Account Number: 872791224-1
• Make your check payable to BAC Alicemae C Click Balance Due for charges listed above: $2,852.37 as of May 2, 2011.
Home Loans Servicing. LP 349 Sporting Htl Rd Please update e-mail information on the reveres sideofthis coupon.
• Dont send cash
• Please include coupon with your
Mechanicsburg, PA 17050-3078
Addtiara'
payment ?-pal
BLQPAI
For all full month payment periods. Addtional
interest is caloulatedonamonthly basis. rII
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Accordingly, interest for all full months, II
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including February, is calculated as BAC Home Loans Servicing, LP
30t360 of annual interest, irrespective of p0 BOX 15222 d1Bd`
the acstal number of days in the month. Iota'
For partlal months, interest is calculated Wilmington, DE 19886-5222
daily on the basis of a 365 day year. 1-800-669-0102
872791224100000285237000285237
1: 58 6 9 900 581:8 7 2 79 1 2 2 411'
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP
YOU MAKE FUTURE MORTGAGE PAYMENTS.
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
(THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE:
IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND
IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for
Thirty (30) days from the date of this Notice. 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
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 Drooerty 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.) 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 PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO
COLLECT THE DEBT.
(If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.)
NOTICE OF INTENT TO FORECLOSE YOUR HOME LOAN IS IN A STATE OF DEFAULT DUE TO THE REASONS
MENTIONED IN THIS NOTICE. YOU MUST TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE.
NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at:
349 Sporting Hill Rd Mechanicsburg, PA 17050-3078
IS SERIOUSLY IN DEFAULT because
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now
past due:
Monthly Charaes: 03/01/2011
Late Charaes: 03/01/2011
Other Charaes: Uncollected Late Changes:
Uncollected Costs:
Partial Payment Balance:
TOTAL DUE:
YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable)
$2,750.40
$67.98
$33.99
$0.00
($0.00)
$2,852.37
This communication is from BAC Home Loans Servicing, LP, the Bank of America company that services your home loan.
E-mail use: Providing your e-mail address below will allow us to send you information on your account.
Account Number: 872791224
Alicemae C Click E-mail address:
How we post your payments: AJI accepted
payments of principal and interest will be applied to
the longest outstanding installment due, carless
otherwise expressly prohibited or limited by law. If
you submit an amount in addition to your scheduled
monthly amount, we will apply your payments as
follows: (1) to outstanding monthly payments of
principal and interest, (tt) escrow deficiencies, (Ni) late
charges and other amounts you owe in connection
with your loan and (Iv) to reduce the outstanding
principal balance of your loan. Please specify if you
want an additional amount applied to future payments,
rather than principal reduction.
Postdated checks: Postdated checks will be
processed on the date received unless a loan
counselor agrees to honor the date written on the
check as a condition of a repayment plan.
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 $2,852.37 PLUS ANY MORTGAGE PAYMENTS AND LATE
CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD.
Payments must be made either by cashier's check, certified check or money order made payable and sent to:
BAC Home Loans Servicing, LP at P.O. Box 15222, Wilmington, DE 19886-5222.
You can cure any other default by takina the foliowina action within THIRTY (30) DAYS of the date of this letter. (Do not use if not
applicable
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 rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt
will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the
total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to
foreclose upon your mortgaged property.
IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If
the lender refers your case to its attorneys, but you 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) DAY period, you will not be required to pay attorney's fees. YOU HAVE THE RIGHT TO
REINSTATE AFTER ACCELERATION AND THE RIGHT TO ASSERT IN THE FORECLOSURE PROCEEDING THE
NON-EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO ACCELERATION AND FORECLOSURE.
OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due
under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY
period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any 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 tender 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 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
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.
HOW TO CONTACT THE LENDER:
Name of Lender: BAC Home Loans Servicing, LP
Address: P. O. Box 660694 Dallas, TX 75266-0694
Phone Number: 1-800-669-0102
Fax Number: 1-817-230-6811
Contact Person: MS TX2-977-01-13
Attention: Loan Counselor
We are currently developing a process to ensure secure email communications for your Home Retention inquiries. In the
interim, please contact us at the telephone number or address provided.
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 may sell or transfer your home to a buyer or transferee who will assume the mortgage debt,
provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other
requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM
ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE
DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY
CALENDAR YEAR.)
TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT
INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
Your loan is in default. Pursuant to your loan documents, BAC Home Loans Servicing, LP may, enter upon and conduct an inspection
of your property. The purposes of such an inspection are to (t) observe the physical condition of your property, (ii) verify that the
property is occupied and/or (lit) determine the identity of the occupant. If you do not cure the default prior to the inspection, other
actions to protect the mortgagee's interest in the property (including, but not limited to, winterization, securing the property, and
This communication is from BAC Home Loans Servicing, LP, the Bank of America company that services your home loan.
valuation services) may be taken. The costs of the above-described inspections and property preservation efforts will be
charged to your account as provided in your security instrument.
If you are unable to cure the default on or before June 1, 2011, BAC Home Loans Servicing, LP wants you to be aware of various
options that may be available to you through BAC Home Loans Servicing, LP to prevent a foreclosure sale of your property. For
example:
Repayment Plan: It is possible that you may be eligible for some form of payment assistance through BAG Home Loans
Servicing, LP. Our basic plan requires that BAC Home Loans Servicing, LP receive, up front, at least 1/2 of the amount
necessary to bring the account current, and that the balance of the overdue amount be paid, along with the regular
monthly payment, over a defined period of time. Other repayment plans also are available.
Loan Modification: Or, it is possible that the regular monthly payments can be lowered through a modification of the loan
by reducing the interest rate and then adding the delinquent payments to the current loan balance. This foreclosure
alternative, however, is limited to certain loan types.
Sale of Your Property: Or, if you are willing to sell your home in order to avoid foreclosure, it is possible that the sale of
your home can be approved through BAC Home Loans Servicing, LP even if your home is worth less than what is owed
on it.
• Deed-in-Lieu: Or, if your property is free from other liens or encumbrances, and if the default is due to a serious financial
hardship which is beyond your control, you may be eligible to deed your property directly to the Noteholder and avoid the
foreclosure sale.
If you are interested in discussing any of these foreclosure alternatives with BAG Home Loans Servicing, LP, you must contact us
immediately. If you request assistance, BAG Home Loans Servicing, LP will need to evaluate whetherthat assistancewill be extended
to you. In the meantime, BAC Home Loans Servicing, LP will pursue all of its rights and remedies under the loan documents and as
permitted by law, unless it agrees otherwise in writing. Failure to bring your loan current or to enter into a written agreement by June 1,
2011 as outlined above will result in the acceleration of your debt.
If your loan is currently being evaluated for a loan modification, forbearance or other loan assistance solution, this notice will not cancel
or delay that evaluation process. However, it is important that you promptly respond to all requests made in connection with your
evaluation for a loan assistance solution, including all requests for you to contact us and any documentation required. If you do not
comply with these requests in a timely manner, it may cause your loan to enter the foreclosure process as indicated in this notice. If
your loan is not eligible for a loan assistance program, please note this letter will continue to serve as notice of our right to initiate
foreclosure.
Time is of the essence. If you have any questions concerning this notice, please contact Loan Counseling Center immediately at
1-800-669-0102.
This communication is from BAC Home Loans Servicing, LP, the Bank of America company that services your home loan.
Attachment: Itemization of Charges and Fees
Monthly Charaes: 03/01/2011 - 05/31/2011
Late Charaes: 03/01/2011 - 04/30/2011
Other Charaes: Uncollected Late Charges:
Partial Payment Balance:
@ $916.80 $2,750.40
@ $33.99 $67.98
$33.99
($0.00)
TOTAL DUE: $2,852.37
This communication is from BAC Home Loans Servicing, LP, the Bank of America company that services your home loan.
7196 9006 9295 1732 7986
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY
CUMBERLAND COUNTY
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
888.511.2227
866.511.2227
Maranatha
43 Philadelphia Avenue
Waynesboro, PA 17268
717.762.3265
PHFA
211 North Front Street
Harrisburg, PA 17110
717.780.3940
800.342.2397
Community Action Commission of Captial
Region
1514 Derry Street
Harrisburg, PA 17104
717.232.9757
PA Interfaith Community Programs Inc
40 E High Street
Gettysburg, PA 17325
717.334.1518
This communication is from BAC Home Loans Servicing, LP, the Bank of America company that services your home loan.
Options are Available to Help You
Avoid Foreclosure
Call the number on the enclosed notice to learn more.
When you call, please have your income and expense information available
so we can discuss which option(s) could work for you.
Options to consider if your goal is to stay in your home
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Home A federal government program that allows you to repay the loan on newly agreed upon terms, which
Affordable may include lowering the interest rate, placing past due amounts at the end of the loan, and/or
Modification extending the term of the loan. You may be eligible for this program if you meet the following
Program requirements:
(RAMP)
• The home is your primary residence and you currently live in it.
• The amount you owe on the first mortgage is equal to or less than $729,750 for a single-family
home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or $1,403,400 for a 4 unit
property
• You have experienced a hardship that has impacted your income. For example, a significant
increase in your mortgage payment OR reduction in your income OR other hardship.
• Your mortgage was obtained before Jan. 1, 2009.
• Your payment on your first mortgage (including principal, interest, taxes, insurance and
homeowner's association dues, if applicable) is more than 31 % of your current gross income. To
calculate this, divide your first mortgage payment by your gross income (income before taxes).
Loan If you can bring your loan payments up to date, we will accept the funds needed to bring the loan up
Reinstatement to date until the day of your foreclosure sale.
Repayment A temporary agreement which allows for the repayment of the unpaid, past due amount along with
Plan regular mortgage payments. This may include principal, interest, fees, and/or costs assessed to your
loan.
Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments for a
Forbearance period of time, to allow you to re-establish your ability to make the required payments.
Agreement
Loan Repay the loan on newly agreed upon terms, which may include lowering the interest rate, placing
Modification amounts past due at the end of the loan, and/or extending the term of the loan.
(non-HAMP)
Partial Claim If you have a Federal Housing Administration (FHA) loan and your payments are past due but you
(FHA loans are now able to make your regular monthly mortgage payment, this program is designed to bring your
Only) loan up to date by creating a second mortgage/lien on your property for the amount that is past due.
Options to consider if you cannot or do not wish to stay in your home
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Home Designed to help borrowers who are eligible for the Home Affordable Modification Program (HAMP)
Affordable but were unsuccessful in securing a permanent modification through the program. HAFA provides the
Foreclosure option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A short sale is a transaction
Alternatives in which you sell your property for less than the total amount owed on the loan (subject to agreement
Program by your servicer/lender/investor), resulting in the release of our lien on your home and avoidance of
(HAFA) foreclosure. A deed in lieu of foreclosure is a transaction in which you agree to voluntarily transfer
ownership of your property to us in order to avoid foreclosure.
Short Sale/ Offered to borrowers who are not eligible for HAMP or other home retention alternatives. With a short
Preforeclosure sale, you sell your property for less than the total amount owed on the loan (subject to agreement by
Sale your servicer/lender/investor), resulting in the release of our lien on your home and avoidance of
(non-HAFA) foreclosure.
Deed in Lieu of Offered to borrowers not eligible for HAMP or other home retention alternatives, and who were not
Foreclosure able to sell the property through a short sale. With a deed in lieu of foreclosure, you agree to
(non-HAFA) voluntarily transfer ownership of your property to us in order to avoid foreclosure.
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We are here to help you. Please call us today.
'7196 9006 9295 1732 7986
Hay Opciones Disponibles Para Ayudarle a
Evitar la Ejecucion Hipotecaria
Llame al numero que aparece en la notification adjunta para obtener mss
informaci6n
Cuando Ilame, tenga to informaciGn de sus ingresos y gastos disponibles pare que podamos
discutir cual opcidn(es) pueden funcionar Para usted.
Opciones a considerar si su objetivo es permanecer en su casa
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Home Affordable Un programa del gobierno federal que le permite pager el pr6stamo bajo los nuevos ti§rminos
Modification acordados, que pueden incluir la reduccibn de la tasa de inter6s, agregando la cantidad adeudada
Program (HAMP) al final del prbstamo, y / o extender el plazo del prbstamo. Usted puede ser elegible para este
programa si cumple con los siguientes requisitos:
La case es su residencia principal y actualmente vive en ella.
• La cantidad adeudada en la primera hipoteca debe ser igual o menos que $729,750 dblares
para una vivienda unifamiliar, $934,200 dblares pare una propiedad de 2 unidades, $1,129,250
dblares para una propiedad de 3 unidades o $1,403,400 pare una propiedad de 4 unidades
• Ha experimentado una dificultad que he afectado sus ingresos. Por ejemplo, un aumento
significativo an su pago hipotecario O reduccibn de sus ingresos U otras dificultades.
• Obtuvo su hipoteca antes del 01 de enero 2009.
• Su pago de la primera hipoteca (incluyendo principal, interbs, impuestos, seguro y cuotas de
asociacibn de propietarios, si se aplica) debe ser m6s del 31 % de sus ingresos brutos actuates.
Para calcular esto, divida su pago hipotecario por sus ingresos brutos (ingresos antes de
impuestos).
Restablecimiento Si usted puede traer sus pagos del pr4§stamo hipotecario al dia, se le aceptari3n los fondos
del Pr6stamc necesarios para que el pr6stamo este al dia haste la fecha de la venta judicial.
Plan de Pago Un acuerdo temporal que permite el pago de la cantidad adeudada, cantidad del pago atrasado
junto con los pagos regulares de la hipoteca. Esto puede incluir principal, interbs, honorarios y/o
costos aplicados a su prisstamo.
Acuerdo Un acuerdo por el cual nos comprometemos a no proceder con la ejecucibn hipotecaria y/o
Temporal de coleccibn de pagos por un periodo de tiempo, pare permitirle que restablezca su habilidad de
Tolerancia hater los pagos requeridos.
Modificacibn de Pagar et pr&stamo bajo los nuevos t6rminos acordados, que puede incluir la reduccibn de la tasa
Pr6stamo de inter6s, agregando la cantidad adeudada al final del pr6stamo, y/o extender el plazo del
(no por medio pr6stamo.
de HAMP)
Reclamo Parcial Si usted tiene un pr6stamo de la Administracibn Federal de Vivienda (FHA) y sus pagos esti5n
(solamente vencidos, pero ahora puede hater sus pagos regulares mensuaies de la hipoteca, este programa
prestamos de la esti; disetiado para que su pr6stamo este al dia mediante la creacibn de una segunda hipoteca /
FHA) gravamen sobre su propiedad por la cantidad adeudada.
Opciones a considerar si no puede o no desea quedarse en su casa
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Home Diseriado para ayudar a los prestatarios que son elegibles para el Programa de Home Affordable
Affordable Modification (HAMP), pero no tuvieron 6xito en obtener una modificacibn permanente a travbs del
Foreclosure programa. HAFA ofrece la posibilidad de una yenta corta y, si no tiene bxito, una entrega de
Alternatives escritura pare evitar juicio hipotecario. Una yenta corta es una transaccibn en la que usted vende su
Program propiedad por menos de la cantidad adeudada en el pr(§stamo (sujeto a previo acuerdo de su
(HAFA) administrador / prestamista / inversionista), resultando en la liberacibn de nuestro derecho de
retencibn sobre su propiedad y evitar la ejecucibn hipotecaria. Una entrega de escritura para evitar
juicio hipotecario es una transaccibn en la que usted est6 de acuerdo de transferir voluntariamente
las escrituras de su propiedad a nosotros con el fin de evitar la ejecucibn hipotecaria.
Vents Corta/ Se ofrece a los prestatarios que no son elegibles para HAMP u otras alternativas de retencibn de
Vents antes de hogar. Con una yenta corta, usted vende su propiedad por menos de la cantidad total adeudada en
EjecuciSn el pr&stamo (sujeto a un acuerdo por su administrador / prestamista / inversionista), resultando en la
Hipotecarta (no liberacibn de nuestro derecho de retencibn sobre su propiedad y evitando la ejecucibn hipotecaria.
por medio de
HAFA)
Entrega de Se ofrece a los prestatarios que no son elegibles para HAMP u otras alternatives de retencibn de
Escritura Para hogar, y que no pudieron vender la propiedad a trav6s de una vents corta. Con una entrega de
Evitar Juicio escritura pare evitar juicio hipotecario, usted esti3 de acuerdo a transferir voluntariamente las
Hipotecarto escrituras de su propiedad a nosotros para evitar la ejecucibn hipotecaria.
(no por medio
de HAFA)
Estamos aqui para ayudarle. Por favor llamenos hoy.
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 pleadin$s(a-ludren.com
ATTORNEY FOR PLAINTIFF
Bank of America, N.A., successor by merger to COURT OF COMMON PLEAS
BAC Home Loans Servicing, LP f/k/a Countrywide CIVIL DIVISION
Home Loans Servicing, LP CUMBERLAND County
Plaintiff
V.
ALICEMAE C. CLICK NO.
349 SPORTING HILL ROAD
MECHANICSBURG, PA 17050
Defendant(s)
VERIFICATION
hereby states that he/she is
s ?s1r" U%u.?- x < &"S- of Bank of America, N.A., successor by merger to BAC
Home Loans Servicing, LP f/k/a Countrywide Home Loans Servicing, LP, Plaintiff in this
matter, that he/she is authorized to take this Verification, and verify that the statements made in
the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his/her
knowledge, information and belief.
The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S.
Section 4904 relating to unsworn falsification to authorities.
Date: Efi r l Mit
Name: Avi o sq a,,ra
Title: Ass?s?a?r l/,cz ?iets,or-
Company: oc a.mzu,a Na
MJU #: 11070235 CASE #: 11070235-1
UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF
BY: MARK J. UDREN, ESQUIRE - ID #04302
STUART WINNEG, ESQUIRE - ID #45362 C-,
LORRAINE DOYLE, ESQUIRE - ID #34576 c
?
x• --4
rn?
ALAN M. MINATO, ESQUIRE - ID #75860 maD ? r-
-
SHERRI J. BRAUNSTEIN, ESQUIRE - ID #90675 w cm
C-.1
DANIEL S. SIEDMAN, ESQUIRE - ID #306534 ."'w o °
c,
HEATHER RILOFF, ESQUIRE - ID #309906 x
to sr ?C)-n
PAIGE M. PRONOVOST, ESQUIRE - ID#309091 i o X -,
' ?'
LEE SCHOTTENFELD, ESQUIRE - ID#91654 y
WOODCREST CORPORATE CENTER
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003-3620
856-669-5400 pleadinys(a,udren.com
Bank of America, N.A., successor by merger to BAC
Home Loans Servicing, LP f/k/a Countrywide Home
Loans Servicing, LP
16001 North Dallas Parkway
Addison, TX 75006
Plaintiff
V.
ALICEMAE C. CLICK
349 SPORTING HILL ROAD
MECHANICSBURG, PA 17050
Defendant(s)
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND County
NO.//- Q80'7 (?l?! rel-vr
ENTRY OF APPEARANCE
TO THE PROTHONOTARY:
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 L- iW-OfFfS; ,
C_
BY
Alan M. Minato, E
UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF
WOODCREST CORPORATE CENTER
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003
856-669-5400
BANK OF AMERICA, N.A., :COURT OF COMMON PLEAS
SUCCESSOR BY MERGER TO BAC :CIVIL DIVISION
HOME LOANS SERVICING, LP F/K/A :CUMBERLAND County
COUNTRYWIDE HOME LOANS
SERVICING, LP
16001 NORTH DALLAS PARKWAY €N0. 11-6807
ADDISON, TX 75006
Plaintiff
V.
ALICEMAE C. CLICK
349 SPORTING HILL ROAD
MECHANICSBURG, PA 17050
Defendant(s)
PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE
TO THE PROTHONOTARY:
r?
- N
C-
Kindly mark the above DISCONTINUED WITHOUT PREJUDICE,
upon payment of your costs only.
DATED: April 6, 2012
At o ney for Plaintiff
HARRY 6. REESE, ESc?..a
PA ID 310501
11070235-1