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HomeMy WebLinkAbout11-7149 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. BELLINO, ESQUIRE - ID#309091 LEE SCHOTTENFELD, ESQUIRE - ID#91654 HARRY B. REESE, ESQUIRE - ID#310501 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings a udren.com DEUTSCHE BANK NATIONAL TRUST COMPANY As Trustee for the registered holder of Soundview Home Loan Trust 2006-EQ1 Asset-Backed Certificates, Series 2006-EQ1 C/O Ocwen Loan Servicing, LLC 1661 Worthington Road #100 West Palm Beach, FL 33409 Plaintiff V. ANTONIO W. MAGARO 673 BREAKWATER TERRACE SEBASTIAN, FL 32958 RHEA K. MARGARO A/K/A RHEA K. MAGARO 673 BREAKWATER TERRACE SEBASTIAN, FL 32958 Defendant(s) COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND County NO. 11-,?I'1 1 omi COMPLAINT IN MORTGAGE FORECLOSURE (..I'_?J frl " ?? 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 W 1.9 Fu ok-t# 1 S3) I p4,2611-763 ATTORNEY FOR PLAINTIFF V 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. 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: Mortgage Electronic Registration Systems, Inc. as nominee for EquiFirst Corporation Assignee: DEUTSCHE BANK NATIONAL TRUST COMPANY As Trustee for the registered holder of Soundview Home Loan Trust 2006-EQ1 Asset-Backed Certificates, Series 2006-EQ1 Date of Assignment: Recorded Date: Book/Instrument #: Page: 2. Upon information and belief Defendant(s) and/or their predecessor: Antonio W. Magaro & Rhea K. Margaro a/k/a Rhea K. Magaro (hereinafter "Defendants"), are the owners of property located at 16 Cardamon Drive, Mechanicsburg, PA 17050, by virtue of Deed dated 06/13/2006 and recorded 07/11/2006 in Official Records Book 275 at Page 2968 of the Public Records of Cumberland County, Pennsylvania (hereinafter the "Property") 3. On 06/16/2006, Defendant(s) and/or their predecessor: ANTONIO W. MAGARO & RHEA K. MARGARO A/K/A RHEA K. MAGARO promised to pay to the order of EquiFirst Corporation , the principal sum of $ 256,000.00 payable with interest thereon provided in the Note. 4. By Mortgage dated 06/16/2006, Defendant(s) and/or their predecessor: ANTONIO W. MAGARO & RHEA K. MARGARO A/K/A RHEA K. MAGARO to secure the Note, mortgaged to Mortgage Electronic Registration Systems, Inc. as nominee for EquiFirst Corporation , the Property which is the subject of this action. The Mortgage was recorded on 07/11/2006 in Official Records Book 1958 at Page 0470. 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 03/01/2011, 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 $243,314.90 Accumulated Interest $7,662.00 Accumulated Late Charges $385.20 Escrow Deficit/(Reserve) $728,91 Title report $300.00 Attorney Fees $1,300.00 Other Suspense Balance $_96,27 Property Inspection $31.50 Property Valuation $111.00 Prior Payment Shortage $27.98 Grand Total $253,765.22 The above figures are calculated as of : 6/17/2011 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 8.35000 %. The per diem interest accruing on this debt is $56.22 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 $96.27. 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 $253,765.22 plus ongoing interest, costs and attorneys fees and for sale of the Mortgaged premises. UDRE LAW OFFICES, P.C. BY: SCHEDULE C Legal DewAption Commitment Number. GR06.1164REP GINGER FIELDS LOT 32 ALL that certain tract or parcel of land situate in the Township of Silver Spring. County of Cumberland, Commonwealth of Pennsylvania, bounded and described as follows. BEGINNING at a point on the northern right-of-way line of Cardamon Drive, said point being a common corner with Lot 31, of the 'Final Subdivision Plan for Ginger Fields, of which this is a part; THENCE, along said northern right-of-way line, South 79 degrees, 24 minutes, 29 seconds West, for a distance of 85.00 fleet to a point, said-point being a corn mon corner with Lot 33, of the aforementioned subdivision, of which this is a part; thenre, along 1.ot 33, North 10 degrees, 35 minutes, 31 seconds West, for a,distance of 100.00 feet to a point, said point being along lands now or formerly of Richard M. and Ingrid P Roy; thence, along lands now or formerly of Roy and lands now or formerly of William H, Keller, North 79 degrees, 24 minutes, 29 seconds East, for a distance of 85.00 feet to a point, said point being a common comer with Lot 31, of the aforementioned subdivision, of which this is a part; thence, along Lot 31, South 10 degrees, 35 minutes, 31 seconds East for a distance of 100,00 feet to a point, tho POINT OF BEGINNING. CONTAINING 0.195 acres of land. BEING Lot 32 of the "Final Subdivision Plan for Ginger Fields", as recorded in Book 80, Page 132, of Cumberland County Records, I ^"?* WS to be r cmxW wjj"dC MW pA Recav%W ofDee& 275 PACE297Q S T E WA R T T I T L E GUARANTY COMPANY . .................... Ocwen Loan Servicing, LLC P.O. Box 24737 West Palm Beach, Florida 33416-4737 O O W E N (Do not send correspondence or payments to the above address.) VAX \N' O ;: W E N . COM April 30, 2011 VIA First Class Mail VIA Certified Mail (return receipt requested) Certified Number: 71069017515141171960 Reference Code: 1] 04 Rhea K. Margaro 673 BreakWater Ter Sebastian, FL 32958 Loan Number: 71049910 Property Address: 16 Cardamon Drive, Mechanicsburg, PA 17050-0000 PLEASE SEE THE ENCLOSED DOCUMENT EXHIBIT A . rat,) cummurntcarron rs Jrom a aeat collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect a debt NMLS # 1852 Ocwen Loan Servicing, LLC P.O. Box 24737 ;O. West Palm Beach w E N , Florida 33416-4737 (Do not send correspondence or payments to the above address) April 30, 2011 APPENDIX A ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE NN'W 1- .Qt,WLN.('0M This is an official notice that the mortgage on your home is in default, and the lender intends to forecl ose. ec fic information about the nature of the default is p rovided in the attached pages. The HOMEOWNER' MORTGAGE ASSISTANCE PROGRAM (HEMAP) ma y 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 AGENC Y WITHIN THIRTY (30) DAYS OF THE DATE OF T HIS NOTICE. Take this Notice with you when you me et with the Counseling Agency. _ The name address and phone number of Cons umer Credit Counseling A encies serving your County are listed at the end of this Notice. If you have any_questions, you u may call the Pennsylvania Housi ng ce Agency toll fr ee at (800) 342-2397 (Persons with impaired hearing can call (717) 780-1869). This Notice contain important legal informati on I you have any questions, rep resentatives at the Consu mer Credit Counseling Agency may be able to help explai n it You may also want to contact an attorney in your are a The local bar association may be able to help you find a l awyer LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION, OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO A ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. USTED PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER: CURRENT LENDER/SERVICER: Rhea K. Margaro 16 Cardamon Drive Mechanicsburg, PA 17050-0000 71049910 OCWEN DACT91.21 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect a debt NMLS # 1852 Ocwen Loan Servicing, LLC P.O. Box 24737 ;?.' West Palm Beach Flor' C; W E N tda 33416-4737 (Do not send correspondence or payments to the above address) l1'1AN \1.0C;WEN.C0M HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH AN AVE 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) davs from the date of this Notice- Durino that tamp .,fkn meet 9-a- -A a++-d .. Iff.... 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 agency 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.) 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). HOW TO CURE YOUR MORTGAGE DEFAULT Bring it up to date). DACTQ1 71 I his communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect a debt NMLS # 1852 ...................... . Ocwen Loan Servicing, LLC P.O. Box 24737 West Palm Beach, Florida 33416-4737 O C W E N (Do not send correspondence or payments to the above address.) ??'t- VV OC'?t'EN CC1M NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 16 Cardamon Drive, Mechanicsburg, PA 17050-0000 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 2 payments in the amount of $ 1,931.50 from March 01 2011 through April 30.2011 DETAIL SUMMARY: Principal and Interest ................................. $ 3,850.68 Interest Arrearage ..................................... $ 0.00 Escrow .................................................. $ 0.00 Late Charges ........................................... $ 385.20 Insufficient Funds Charges ........................... $ 0.00 Fees / Expenses ........................................ $ 48.98 Suspense Balance (CREDIT) ........................ $ 96.27 Interest Reserve Balance (CREDIT) ................ $ 0.00 TOTAL DUE .......................................... $ 4,200.91 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 $4,200.91, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by Money ram, Cashier's Check Certified heck or Money Order made. payable and sent to. OCWEN P.O. BOX 6440 CAROL STREAM, IL 60197-6440 IF YOU DO NOT CURE TFfF D%EAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise it 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 mortgaggsl prgner1y. IF THE MORTGAGE I FORECLOSED ON - 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 OTHER ND R FM n11" - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO THE 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 ale at any time up to one hour before the Sheriff's Sale. Yo may do so by g the total amount thy. past due. plus any late or other charges then due, reasonable attorney's fee and na connected mith the foreclosure sale and any other costs connected with the Sheriff's ale a _ cified in writin y performing any gay the lender and h _ 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. DACT91Z1 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect a debt NMLS # 1852 :..................... Oewen Loan Servicing, LLC P.O. Box 24737 West Palm Beach o c w e N Florida 33416-4737 (Do not send correspondence or payments to the above address) ?t'N? \,'.OC'y'EN CQM EARLIEST POSSIBLE SHEgIFF,S I DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged 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 servicer. HOW TO CONTACT THE SERVICER: Name of Servicer: OCWEN Address: P.O. BOX 24737 WEST PALM BEACH, FL 33416-4737 Phone Number: 800-310-9229 Fax Number: 407-737-6300 Contact: Early Intervention Dept EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may or X may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE (3) 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 j nis communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect a debt NMLS # 1852 ...................... . Ocwen Loan Servicing, LLC P.O. Box 24737 - - O C WEN West Palm Beach, Florida 33416-4737 (Do not send correspondence or payments to the above address.) April 30, 2011 NV11'W.OCIWEN.COM VIA First Class Mail VIA Certified Mail (return receipt requested) Certified Number: 71069017515141171946 Reference Code: 1104 Antonio W. Magaro 673 BreakWater Terrace Sebastian, FL 32958-0000 Loan Number: 71049910 Property Address: 16 Cardamon Drive , Mechanicsburg, PA 17050-0000 PLEASE SEE THE ENCLOSED DOCUMENT DACT91.21 This communication is from a debt collector attempting to collect a debt; any, information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect a debt NMLS # 1852 :...................... Ocwen Loan Servicing, LLC P.O. Box 24737 `O` West Palm Beach, Florida ................ O L W E N . ? da 33416-4 73 7 (Do not send correspondence or payments to the above address.) WXV W.OCNKEN ('QM April 30, 2011 APPENDIX A 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 forecl ose. pecific information about the nature of the default is provided in the attached pages The HOMEOWNER' 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 C ONSUMER C REDIT COUNSELING AGENC . Y WITHIN THIRTY (30) DAYS OF THE DATE OF THIS NOTI CE. Take this Notice with you when you me et with the Counseling Agency. The name address and phone number of Consumer Credi t Counseling A gencies serving your County are _ listed at the end of this Notice If you have any questions you may call t he Pennsylvan ia Housing Finance Agency toll free at (800) 342-2397 (Persons with impaired hearing can call (71 This Notice contains important legal information If you h 7) 780-18699). ave any quest ions, representatives at the Consu mer Credit Counseling Agency ma be able to help explain it. You m ay also want t o contact an attorne in your are a. The local bar association may be able to help you find a lawyer. y LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION, OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO A ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. USTED PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER: CURRENT LENDER/SERVICER: Antonio W. Magaro 16 Cardamon Drive Mechanicsburg, PA 17050-0000 71049910 OCWEN DACT91.21 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that pufpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect a debt NMLS # 1852 :..................... . Ocwen Loan Servicing, LLC P.O. Box 24737 O' West Palm Beach, W Florida 33416-4737 (Do not send correspondence or payments to the above address.) V' N" \k .OC' 1VE N. CO!VI 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 oSTAY OF F RECLOSURE. -Under the Act. you r throm the date of this Notice. Durna that t timp t v, temporary aY o f "--A our wort ty _(30_)O days from MUST OCCUR WITHIN THE NEXT (3nl DAYS IF YOU DO NOT APPLY. FOR EM RGEN Y MORT('AG - ASSISTANCEYOU MUST BRING YOUR MORTGAGE UPTO DATE. THE PART OF THIS NOTI!F_ CALLED"HOW TO CURE YOUR MORT A FAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER EDIT O NSFi IN AG NC FS -- If you meet with one of the consumer credit counseling agency 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 de ignalcd consumer credit counsel. ng agencies for the county in which the ,proper is located are set forth at the en 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). HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to dates DACT91.21 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect a debt NMLS # 1852 :...................... Ocwen Loan Servicing, LLC P.O. Box 24737 O C W E - E - N West Palm Beach, Florida 33416-4737 (Do not send correspondence or payments to the above address.) ?V??' 1\ .OCk?'EN.C''OM NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 16 Cardamon Drive, Mechanicsburg, PA 17050-0000 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 2 payments in the amount of $ 1,931.50 from March 01, 2011 through April 30. 2011 DETAIL SUMMARY : Principal and Interest ................................. $ 3,850.68 Interest Arrearage ..................................... $ 0.00 Escrow .................................................. $ 0.00 Late Charges ........................................... $ 385.20 Insufficient Funds Charges ........................... $ 0.00 Fees / Expenses ........................................ $ 48.98 Suspense Balance (CREDIT) ........................ $ 96.27 Interest Reserve Balance (CREDIT) ................ $ 0.00 TOTAL DUE .......................................... $ 4,200.91 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 $4,200.91, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by Money Gram, Cashier's Check Certified Check or Money Order made. payable and sent to: OCWEN P.O. BOX 6440 CAROL STREAM, IL 60197-6440 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 it 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 properly. 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 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 ALE - 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 a prevent the sale at any time up to one hour before the Sheriff Sale. You may do so by paying the total amount them, 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 Sheriff's 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. DACT91.21 I his communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect a debt NMLS # 1852 ....................... Oewen Loan Servicing, LLC P.O. Box 24737 - West Palm Beach, Florida 33416-4737 O C W E N N (Do not send correspondence or payments to the above address.) 1,NAN k\ -0(1V'EN.C"0M EARLIEST POSSIBLE H I F'4 ALE DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged 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 servicer. HOW TO CONTACT THE SERVICER: Name of Servicer• OCWEN Address: P.O. BOX 24737 WEST PALM BEACH, FL 33416-4737 Phone Number: 800-310-9229 Fax Number: 407-737-6300 Contact: Early Intervention Dept EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may or X may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE (3) 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 DACT91.21 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect a debt NMLS # 1852 Ocwen Loan Servicing, LLC P.O. Box 24737 C--W--E- -N West Palm Beach, Florida 33416-4737 O (Do not send correspondence or payments to the above address.) April 30, 2011 1N-bN \k C)CWEN C0!k1 VIA First Class Mail VIA Certified Mail (return receipt requested) Certified Number: 71069017515141171953 Reference Code: 1104 Antonio W. Magaro Rhea K. Margaro 16 Cardamon Drive Mechanicsburg, PA 17050-0000 Loan Number: 71049910 Property Address: 16 Cardamon Drive , Mechanicsburg, PA 17050-0000 PLEASE SEE THE ENCLOSED DOCUMENT DACT91.21 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for- that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect a debt NMLS # 1852 . ..................... Ocwen Loan Servicing, LLC P.O. Box 24737 o -__.c ..°.. w ... E ._._ N West Palm Beach, Florida 33416-4737 (Do not send correspondence or payments to the above address) V WN,\ .0 V I-;N.('Qti1 April 30, 2011 APPENDIX A 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 l ender intends to foreclose Specific information about the nature of the default is provided in the attached pages The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to hel p to save your home. This Notice explains how the p To see if HEMAP can help. rogram works you must MEET WITH A C ONSUMER CREDIT COUNSELING . AGENCY WITHIN THIRTY (30)_DAYS OF TH E DATE OF THIS NOTIC E. Take this Notice with you when you meet with the Counseling Agency. The name address and phone number of Consumer Credit Counseling Agencies s erving your Co - unty are listed at the end of this Notice. If you have any_questions. youu may call t he Pennsylvania Housin g Finance Age ncy toll free at (800) 342-2397 (Persons with i This Notice contains importan mpaired hearing can call (717 t legal information If you h ) 780-1869). ave any questions, repr esentatives at t he Consumer Credit Counseling Agency may be ab le to help exel plain it You ma y also want to contact an attorney in area The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION, OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO A ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. USTED PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA, HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER: CURRENT LENDER/SERVICER: Antonio W. Magaro Rhea Margaro 16 Cardamon Drive Mechanicsburg, PA 17050-0000 71049910 OCWEN DACT91.21 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect a debt NMLS # 1852 . ...................... Ocwen Loan Servicing, LLC P.O. Box 24737 West Palm Beach, Florida 33416-4 73 7 O C W E N (Do not send correspondence or payments to the above address) HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE RICH AN 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, yQu 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 'TACU- ta-face" meeting with on of the consumer credit counseling agencies listed at the end of this Notice, THIS MEETING MUST OCCUR WITHIN TH NEXT (30) DAYS. IF YOU DO NOT APPLY FOR FMERGFN Y MORTGAGE ASSISTANCE YOU MUST B IN YOUR MORTGAGE P TO DAT THE PART OF THIS NOTI F_ 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 agency 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 number of designated consumer credit coup e ling agencies for the_ county in which the propedy 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). HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) DACT91.21 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect a debt WN 1,k.0C4YEN C0M NMLS # 1852 ....................... Ocwen Loan Servicing, LLC P.O. Box 24737 O C W - E -° N ' West Palm Beach, Florida 33416-4737 (Do not send correspondence or payments to the above address.) VAt k.? O("?VEN Com NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 16 Cardamon Drive, Mechanicsburg, PA 17050-0000 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 2 payments in the amount of $ 1,931.50 from March 01, 2011 through April 30. 2011 DETAIL SUMMARY: Principal and Interest ................................. $ 3,850.68 Interest Arrearage ..................................... $ 0.00 Escrow .................................................. $ 0.00 Late Charges ........................................... $ 385.20 Insufficient Funds Charges ........................... $ 0.00 Fees / Expenses ........................................ $ 48.98 Suspense Balance (CREDIT) ........................ $ 96.27 Interest Reserve Balance (CREDIT) ................ $ 0.00 TOTAL DUE .......................................... $ 4,200.91 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 $4,200.91, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by Money ram ashler' heck. Certified heck or Money Order made payable and sent to: OCWEN P.O. BOX 6440 CAROL STREAM, IL 60197-6440 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 exerci a 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 I 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 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' 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 apv time up to one hour before the Sheriff's ale You may do so by paying th total amount then past due. plus any late or other charges then due. reasonable attorney's fees and cosh connected th the f reclocnre sale and any other costs connected with the Sheriffs Sale a pecified in writing by the lender and by_performing any. ocher 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. DACT91.21 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect a debt NMLS # 1852 ................... Ocwen Loan Servicing, LLC P.O. Box 24737 ?` West Palm Beach Florida 33416-4737 (Do not send correspondence or payments to the above address) 1VIN kN.0('WhN (10M EARLIEST POSSIBLE SHERIFF'S I DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the servicer. HOW TO CONTACT THE SERVICER: Name of Servicer• OCWEN Address: P.O. BOX 24737 WEST PALM BEACH, FL 33416-4737 Phone Number: 800-310-9229 Fax Number: 407-737-6300 Contact: Early Intervention Dept EFFECT OF SHERIFF'S A - 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 or X may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE (3) 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 DACT91.21 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect a debt NMLS # 1852 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. UDRE LAW OFFICES, P.C. BY: - 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. BELLINO, ESQUIRE - ID#309091 LEE SCHOTTENFELD, ESQUIRE - ID#91654 HARRY B. REESE, ESQUIRE - I13#310501 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings(a-)udren.com DEUTSCHE BANK NATIONAL TRUST COMPANY As Trustee for the registered holder of Soundview Home Loan Trust 2006-EQ1 Asset-Backed Certificates, Series 2006-EQ1 1661 Worthington Road #100, West Palm Beach, FL 33409 Plaintiff V. ANTONIO W. MAGARO 673 BREAKWATER TERRACE SEBASTIAN, FL 32958 RHEA K. MARGARO A/K/A RHEA K. MAGARO 673 BREAKWATER TERRACE SEBASTIAN, FL 32958 Defendant(s) CO E ; LS AP ID .,Y ;.? 4 i 9BERL 4NQ COUNTY PENNSYLVANIA COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND County NO. II--7/q 9 Cr v! ? 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. Bellino, Esquire; Lee Schottenfeld, Esquire; on behalf of the Plaintiff, in the above- captioned matter. UDREN LAW OFFICES, P.C. BY: '1/« SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff r' i u LQ?,t?tr i1?? ? z Jody S Smith "' ' Chief Deputy } ;r 3 , E1; p ! i 1 12 `J E Richard W Stewart Solicitor ;° BERLAND GOUN j k. p cN RSS YL\/ A H I A Deutsche Bank National Trust Company Case Number vs. Antonio W. Magaro (et al.) 2011-7149 SHERIFF'S RETURN OF SERVICE 09/22/2011 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Antonio W. Magaro, but was unable to locate him in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure as not found as to the defendant Antonio W. Magaro. Request for service at 16 Cardamon Drive, Mechanicsburg, Pennsylvania 17050 the Defondant was not found. Deputies were advised, Antonio W. Magaro currently resides at 112 Mercury Court, Indialantic, Florida 32903. Current occupants of this residence are Steve and Jennifer Brady. 10/06/2011 Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on October 6, 2011 at 1705 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Occupants of 16 Cardamon Drive, Mechanicsburg, Pennsylvania 17050, by making known unto Jennifer Brady, current Occupant of 16 Cardamon Drive, Mechanicsburg, Cumberland County, Pennsylvania 17050 its contents and at the same time handing to her personally the said true and correct copy of the same. Current Occupants at this residence are Steve and Jennifer Brady. 10/07/2011 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Rhea K. Margaro, but was unable to locate her in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure as not found as to the defendant Rhea K. Margaro. Request for service at 16 Cardamon Drive, Mechancisburg, Pennsylvania 17050 the Defendant was not found. The Mechanicsburg Postmaster has advised, they are unable to forward Rhea K. Margaro's mail. SHERIFF COST: $80.00 October 07, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF (c GountySuite Sheriff, TTeioosoft. Inc. UDREN LAW OFFICES, P.C. ATTORNEY WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003 856-669-5400 FOR PLAINTIFF DEUTSCHE BANK NATIONAL TRUST :COURT OF COMMON PLEAS COMPANY AS TRUSTEE FOR THE :CIVIL DIVISION REGISTERED HOLDER OF SOUNDVIEW :CUMBERLAND County HOME LOANS TRUST 2006-EQ1 1661 WORTHINGTON ROAD # 100 WEST PALM BEACH, FL 33409 NO. 11-7149 Plaintiff V. ANTONIO W. MAGARO RHEA K. MARGARO A/K/A RHEA K. MAGARO 673 BREAKWATER TERRACE SEBASTIAN, FL 32958 Defendant(s) -r> {? -- CD PRAECIPE TO MARK SETTLED, DISCONTINUED AND ENDED TO THE PROTHONOTARY: Please mark the above captioned matter SETTLED, DISCONTINUED and ENDED, upon payment of you Dated: May 17, 2012 11060123-1 AG"S-*I0MNUN, ESQUIRE PA ID 309356