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HomeMy WebLinkAbout11-8018SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929 LESLIE RASE, ESQ., ATTORNEY I.D. NO. 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-039782 JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation PLAINTIFF VS. Jayson A. Beers 3 Hazzard Lane Enola, PA 17025 Stacey R. Lathrop 3 Hazzard Lane Enola, PA 17025 DEFENDANTS COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE NOTICE __ 'J cy. l? .J . 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 OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. 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. COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: CIVI? Q c?qx Pd o t C ?-? 3(0310 ? ??- ac9co?? Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE RAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN 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 DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. 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 Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929 LESLIE RASE, ESQ., ATTORNEY I.D. NO. 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-039782 JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: VS. Jayson A. Beers 3 Hazzard Lane Enola, PA 17025 Stacey R. Lathrop 3 Hazzard Lane Enola, PA 17025 DEFENDANTS COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation, the address of which is, 7255 Bay Meadows Way, Jacksonville, FL 32256 brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: Chase Manhattan Mortgage Corporation Mortgagor(s): Jayson A. Beers and Stacey R. Lathrop (b) Date of Mortgage: February 19, 2004 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1854, Page 4048 Date: February 24, 2004 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by operation of law. 3. The real property which is subject to the Mortgage is generally known as 9 West Beale Avenue, Enola, PA 17025 and is more specifically described as attached as part of Exhibit "A". 4. Each Mortgagor named in paragraph 1 executed a note as evidence of the debt secured by the Mortgage (the "Note"). A true and correct copy of the Note is attached and marked as Exhibit "B". 5. The names and mailing addresses of the Defendants are: Jayson A. Beers, 9 West Beale Avenue, Enola, PA 17025 Stacey R. Lathrop, 9 West Beale Avenue, Enola, PA 17025 Jayson A. Beers, 3 Hazzard Lane, Enola, PA 17025 Stacey R. Lathrop, 3 Hazzard Lane, Enola, PA 17025 6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 7. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of August 1, 2010 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 8. The following amounts are due as of August 31, 2011: Principal Balance Due $82,387.18 Interest Currently Due and Owing at 5.75% $5,526.78 From July 1, 2010 through August 31, 2011 Late Charges $204.54 Escrow Advances $1,574.46 Property Inspection $148.00 Property Preservation $56.00 Prior Bankruptcy Fees/Costs $150.00 TOTAL $90,046.96 9. Interest continues to accrue for each month that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Note and Mortgage. 10. In addition to the above amounts, reasonably incurred attorneys fees and costs as well as proof of title in conformity with the mortgage documents and Pennsylvania law, shall be sought by Plaintiff and included in any request for judgment. 11. Notice of Intention to Foreclose pursuant to 41 P.S. § 403 and demand for payment was sent to each individual Defendant by Certified and Regular Mail. Copies of the Notice are attached as Exhibit "C". 12. The Mortgage is insured by the Federal Housing Administration under Title II of the National Housing Act (12 U.S.C. § 1707-1715z-18). Accordingly, the Homeowners' Emergency Assistance Act of 1983, 35 P.S. § 1680.402c is not applicable. WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO & DeNARDO, LLC Date: 4ZI l BY: Attorneys for Plaintiff S & D File No. 11-039782 . ("M -II (,u..) i n ROOSERT P. ZIEGLER OF DEEDS 'tl FEB 24 °iil 2 00 State of Pen»yivania MORTGAGE FRA Cue No. Record and Return to: CHASE MANHATTAN MORTGAGE CORPORATION 1040 OLIVER ROAD MONROE, LA 71201 ATTENTION: CUSTODY SERVICES THIS MORTGAGE ("Security InstM=e) is given on February 19, 2004 The Mortgagor Is JAYSON A HEBRS, UNMARRIED STACEY R LATHROP, UNMARRIED 9 WS$T SEALS AVE, ENOLA, PA 17025 Instrument is given to CHASE MAMTTAN MORTGAGB CORPORATION ,("Borrower"). Thie security which is organized and existing under the laws of the State of New Jersey and whose address is 343 THORNALL ST ,?1f EDISON, N.J. 08837 2F .("Leader"). Borrower owes Leaiderthe _ principal sum of Ninety-One Thousand, Eight Hundred Eighty-Sight and 00/100 Dollars (U.S. $ 91, 888.00 ). This debt is evidenced by Borrower's Note dated the same date as this Security Instrument ("Note"), which provides for monthly payments, with the fWl debt, if not paid earlier, due and payable on March 1, 2034 , This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and toodifloations of the Note; (b) the payment of all other sums, with interest, advanced under Paragraph 7 to protect the security of this Security Insmmment; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender, the following described property located in 3RIE County, Pennsylvania: i PENNSYLVANIA PHA MORTGAGE G3701 (1102) ftlem 6/0Q) PAGE 1 OF 8 OKI854PG4048 FX11; fN4 11-1 1 A 11 See Attached Legal Description which has the address of 9 WEST BEALE AVE, EMMA, PA 17025 TOOEMR W171fi all the improvements now or bereatber erected on the property, and all easements. appurtenances. and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Imm met Ali of the foregoing is referred to in this Security Instrument as the "Propetty." BORROWER COVENANTS that Borrower is lawitdly aeind of the estate hereby conveyed aid has the right to mortgage, grant and convey the Property and that the property is unencumbered, except for cacumbrances of record. Borrower warranU end will defend generally the title to the Property against all claims aad demands, subject to any emumbraaces of record. Tim SECuRITY It1s mmABn coitbiaea uniform Covenants for national use and non-uniform a ovenants with limited variations by jurisdiction to constitute a uniform security instrumeat covering real property. Borrower and Lender covenant and agree as follows: UNIFORM COVENANTS: 1. Popuent of Princlpad, Interest and Late Charge. Borrower shall pay when due the principal of, and hurest on, the debt evidenced by the Note and late charges due under the Note. 2. Monthly Payment of Taxes, Inez uce, and Other Charges. Borrower shall lnehule in each monthly payment, together with the principal and ham u set forth in the Note and any late charges, a sum for (a) taxes and special assessments levied or to be levied against the Property, (b) Icase sold payments or ground rents on the Property, and (e) premiums for insurance required under Paragraph 4. In any year in which On Leader must pay a mortgage insurance prorlum to the Secretary of Rousing and Urban Development ("Secretary"), or in any year in which such ptemium would have been regWred if Leader still held the Security Instrument, each monthly payment shall also include either: (t) a Hum for the annual mortgage insurance premium to be paid by Leader to the Secretary, or (ii) a monthly charge instead of a mortgage insurance premium if We Security Instrument is held by rho Secretary, in a reasonable amount to be determined by the Secretary. Except for the monthly charge by the Secretary, these items are cafied "Escrow Items" and the sins paid to Leader are called "Escrow Ponds". Leader may, at any time, collect and hold amounts for Escrow Items in an aggregate amount not to exceed PENNSYLVANIA FKA MORTGAGE C-3701 (1102) Mglow 6M PAGE 2 OF 6 buI854PM49 the maximum. amount that may be required for Borrower's escrow account under the Real Estate Settlement Procedures Act of 1474, 12 U.S.C. 12601 eX geeg. and implementing regulations, 24 CFR Put 3300, as they may be amended 6= time to time ("RESPA'), except that the onsWon or reserve permitted by RBSPA for unanticipated disbursements or disbursements before the Borrower's payments are available In the account may not be based on amounts due for the mortgage insurance premium. If the amounts held by Loader for Bacrow Items exceed the amounts permitted to be held by PWSPA, Leader shall account to Borrower for the v=w fimde ae required by RESPA. If the amounts of farads held by Leader at any time are not sufficient to pay the Escrow Items when due, Tender may notify the Borrower and require Borrower to maim up the shortage. as permitted by RFSPA. The Escrow Funds are pledged ag additional security for all sums segued by this Security Instrument. If Borrower tenders to Lender the full payment of all such sums, Borrower's account shall be credited with the balance remaining for all iaenUlmeat items (a), (b) and (c) and any mortgage insurance premium installment that Leader has not become obligated to pay to the Secretary, and Lender shall promptly refund any excess Muds to Borrower. ImmediUdy prior to a foreclosure sale of the Property or its acquisition by Leader, Borrower's account shall be credited with any balance remaining far all Installments for items (a). (b) and (c). 3. Application of Payments. All payments under Paragraphs 1 and 2 shall be applied by Lender as follows: +, to the mortgage insurance premium to be paid by Lender to the secretary or to the monthly charge by the Secretary Instead of the monthly mortgage lnaucaace premium; mod, to may taxes, special assessments, leasehold payments or ground rents, and fire, flood and other hazard insurance premiums, as required; MIJA to interest due under the Note; Fqglt, to amortization, of the principal of the Note; and M. to late charges due under the Note. 4. Fire, Flood and Other HazaaM rawrance. Borrower shall insure all Improvements on the Property, whether now in existence or subsequently erected, against any hazards, casualties and coodngencies, including fire, for which Leader requires Insurance. Thin boom= shall be maintained in the amounts and for the periods that Lender requires. Borrower shall also insure all improvements on, the Property, whether now in existence or subsequently erecxod, against done by floods to the extent required by the Secretary. All Insurance shall be carried with companies approved by Lender. The insurance pollci a and any renewals shall be held by Lender and shall include loss payable clanscs in favor of, and in a form acceptable to. Lender. In the event of loss, Borrower shag give Lender immediate notice by mail. Leader may nuke proof of loss if not made promptly by Borrower. Bach insurance company concerned is hereby authorized and directed to male payment for such lose directly to Leader, instead of to Borrower ad to Deader Jointly. All or any part of the insurance proceeds may be spelled by Lender, at its option, either (a) to the reduction of the indebtedness under the Note and this Security Instrument, first to any delinquent amounts applied in the order In Paragraph 3, and then to prepayment of principal. or (b) to the restoration or repair of the damaged property. Any application of the proceeds to the principal shall not wend or postpone the due date of the mouddly payments which are referred to in Paragraph 2, or chop the amount of such payments. Any excess insurance proceeds over an amount required to pay all outstanding Indebtedness under the Note and this Security h abument shall be paid to the entity legally entitled thereto, In the event of foreclosure of this Security Instrument or other transfer of tiUe to the Property that extinguishes the Indebtedness, all right, title and interest of Borrower in and to insurance policies in force shall pass to the purchaser. 5. Occ%mcy, Preservation, Maintenance and Protection of the Property; Boaower's Loan Application; Lamholde. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument (or within sixty days of a later sale or PBNNSYLVAABA PHA MORTTaAGB C-3701 (JAM (R"pl"ces 6M PAQB 3 OP a BK 1854PG4050 transfer of the Property) sad shall continue to occupy the Property ad Borrower's principal residence for at least one year after the date of occupancy, unless Lender determined that requitement will cause undue hardship for Borger, or unless eatenuatiag ekes exist which are beyond Borrower's control. Borrower shall notify Leaders of any a tuating circumstsom. Borrower dhall not commit waste or destroy, damage or substantially change the Pmpmty or allow the Property to deteriorate, reasonable wear ad tear awpied. Leader may inspect the Property It the Property Is vacant or abandoned or the loan is In default. I,eader may take reasonable actloa to protect and preserve ouch vacant or abandoned Property. Borrower shall also be In default If Borrower, during the loam application proem, gave materially false or inaccurate information or statements to Lauder (or failed to provide Lender with any material Ithunation) in connection with the loan evidenced by the Note, including, but not limited to, repceseutstions concerning Borrower's occupancy of the Property as a principal maidence. If this Security butrament bona leaedtold, Borrower shall comply with the provisions of the leads. If Bon ower acquires fee title to the Property, the lenchold and fee title shall not be merged unless header agrees to the merger In writing. 6. Condemnation. The proc cods of any award or claim for damages, direct or consequential, In counection with any condemnation or other taking of any part of the Property, or for conveyance In piece of condemnation, are hereby assigned and diall be paid to Leader to the eacttent of the fail amount of the indebtedness that remains unpaid under the Note and this Security Instrument. Leader shall apply such proceeds to the reduction of the indebtedness under the Note and this Secudty Instrument, first to any ddingttent amounts applied in the order provided In Paragraph 3, and tips to prepotyment of principal. Any application of the proceeds to the principal shall not extend or postpone the due date of the monthly payments, which are referred to in Paragraph 2, or change the smnnnt of such payments. Any excess proceeds over an amount required to pay sit outstanding indebtedness under the Note and this Security betrmment shall be paid to the entity legally entitled thereto. 7. Charges to Borrower and Protection of Leader's Rights, in the Property. Borrower d a pay all govm=wnW or mntttelpal charges, now and impositions that are not included in Paragraph 2. Borrower shall pay these obligations on time directly to the entity which Is owed the payment. If faliure to pay would adversely affect Leader's interest in the Property, upon Leader's request Borrower ahsll promptly famish to Lender receipts evidencing these payments. If Borrower fails to make tide payments or the payments required by Paragraph 2, or falls to perform any other covenants and agreements contained In this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights In the Property (such as a proceeding in backmpicy, for condemnation or to enforce laws or regulations), then Leader may do and pay whatever is necessary to protect the value of the Property and Leader's rights In the Property, including payment of taxes, hazard insurance and other Raw mentioned in Paragraph 2. Any amounts disbursed by Leader under this Paragraph shall become an addltiocA debt of Borrower and be secured by this Security Instrument. 'T'hese amounts shall bear interest from the date otdisbursement, at the Note rate, and at the option of the Lender, shall be immediately die and payable. Borrower shell promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien In a manner acceptable to Tender, (b) contents in good falth the lien by, or defense slidnat enforcement of the lieu in, Iegal proceedings which in the Lender's opinion operate to prevent the enforcement of On lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the ileac to this Security ladtrumeat. If Leader dwatmiuee that my part of the Property is subject to a lien which may attain priority over title Security b3MLmeat, Lander may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or t*o one or more of the actions set forth above within 30 days of the giving of notice. S. Fetes. Leader may collect few and charges authorized by the Secretary. 9. Grounds for Acceleration of Debt. (a) Default. Lender may, except as limited by regulations issued by the Secretary in the case of MNSYLVAM PHA MORTGAGE C•3701 (1102) (Replaces 6100) PAGE 4 OF 8 Bit 1854PG405 I payment defaults, require immediate payment in full of all stuns secured by this Security Instrument if. 0) Borrower defaults by failing w pay in full any monthly payment required by this Security Instrument prior to or on the due date of the am monthly payment, or (ii) Borrower defaults by failimg? for a period of thirty days, to perform any othet obligatloas contained in this Security Instrtmnat. (b) Sale Without Credit Approval. Lender shall, if permitted by applicable law (including section 341(d) of the Gars-St Germain Depodtory lastitutions Act of 1982,12 U.S.C. 170U-3(d)) and with rho prior approval of the Secretary. require luavedlate payment In iWl of all sums aecured by this Security Instrument if: (1) All or part of the property, or a beneficial interest in a treat owning all or part of the Property, is sold or otherwise trusilernd (other than by devise or descent), and (ii) The property Is not occupied by the purchaser or grantee as bia or bar principal residence, or the purchaser or grantee does so occupy the Property, but his or her credit has not been approved in accordance with the requirement of the Secretary. (c) No Waiver. If circumstances occur that would permit Lender to require Immediate payment In full, but Lender does not require such payments, Leader does not waive Its rights with respect to subsequent events. (d) Regulations of MD Seer Cory. In many circumstances regulations issued by the Secretary will lknk Lender's rights in tha ogee of payment defaults to require immetliew payment In full and foreolaae if not paid. This Security Instrument does not authorize acceleration or foreclosure if not permitted by Mulatioms of the Secretary. (e) Mortgage Not Insured. Borrower agrees that if this Security Instrument ad On Note am not determined to be eligible for insurance under the National Housing Act within 6D days from the date hereof, Lender may, at its option require immediate payaoant in until of an stns secured by this Security Instrument. A written statement of any authorized agent of the Secretary dated subsequent to 60 days from the date hereof, declining to insure this Security Instrument and the Note, shall be deemed conclusive proof of such ineligibility. Notwithstanding the foregoing. this option may not be anterclsed by tender when the unavailability of Intanace Is solely due to Landau's f lluto to remit a mortgage insurance premium to the Secretary. 10. Reinstatement. Borrower has a right to be reluatated if tender has required iammediate payment in full because of Borrower's failure to pay an amount due under the Note or this Security Instrument. This right applies even after Foreclosure proceedings are instituted. To reinatatae the Security Inurement, Borrower shall tender In a lump sum all amounts required to bring Borrower's account current including. to the extent they am obligations of Borrower under this Security Instrument, fotaolosaw coats and reasonable and cuttornary attorney's fees and expenses properly associated with the foreclosure proceeding. Upon reinstatement by Borrower, this Security Ltstrumemt and the obligations that it aaaarm shall remain in affect as If Lender had not required Immediate payment in fill. However. Lander to not required to permit reinstatement if: (1) Lander has accepted relastatemot after the comnmc =rot of fareclomm proceedings within two years immediately preceding the commencement of a current fareclOeM Proceeding. (ii) reinstatement will preclude foreclosure on different grounds in the future, or (ip) rehiatatemient will adversely affect the priority of the lien created by this Security Instrument 11. BoMWOr nd R0110110t Forbearance by Lender not a Waiver. Extension of the time of payment or modification of amortization of the sums secured by this Security instrument granted by Leader to any successor in interest of Borrower Ahdd not operate to release the liability of the original Borrower or Bororrower'a successor in interest. Leader droll not be required to commeurm proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security instrument by reason of any demand made by the original Borrower or Borrower'a successors in latenst. Any forbmemo by Lender PaNNSYLVAMA M A/ORTGAOB C-370t (1102) (Ite*eea 6100) PAGE S OF e 8K 1854PG40.52 in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Sueeessan and Assigns Bound; Joint sad Several Liability; Co4yaers. The covenants and agreements of this Security Instrument shall bind and benefit the ntccomrs and = dgns of Lender and Borrower, anbject to the provLdoes of Paragraph 9(b). Borrower's covenants and agreements shallbo joint and several. Any Borrower who co-signs this Security laatn ment but does tat execute the Note: (a) L co-signing this Security Inursonent only to mortgage, grant and convey that Borrower's Interest In the Property ender the terms of this Security instrument; (b) is not porsonaity obligated to pay the sums secured by this Security Imstmment; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or malte any accommodations with regard to the terms of this Security lubument or the Note without that Borrower's couseat. 13. Nodeea. Any notice to Borrower provided for in this Security Inettnmeat shall be given by delivering it or by mailing it by first class mall unless applicable law requires use of anothor method. The notice aball be directed to the Property Address or any other address Borrower deaigttates by notice to Lender. Any notice to Lender shall be given by first clm mail to Larder's address stated betdn or any address Lender designates by notice to Borrower. Any notice provided for in this Security Inummemt shall be deemed to have been given to Borrower or Lender when given as provided In this Paragraph. 14. Governing Lavv; SeverMlIty. This Security instrument shall be governed by Federal law and the law of the judadicdon In which the Property is located. In the event that any provision or dense of this Security lostrumant or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or tin Note wideb can be given eM:ct without the coufliWng provision. To this and the provisions of this Security Iustntmett and the Note are declared to be severable. 15. Borrower's Co". Borrower shall be given one conformed copy of the Note and of this Security Instrument. 16. Hazardous SalWamtes. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmentd Law. The preceding two sentenced shall not apply to the presence, use, or storage on the Property of mnall gmddca of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintonecoe of the Property, Borrower ahall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property ad any Hazardous Substance or Environmental law of which Borrower has actual knowledge. If Borrower (tame, or is notified by sny governmental or regulatory authority, that any removal or other eemedldion of any HUAWbW Substances affecting the Property Is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Eaviroamoutal Law. At used in this paragraph 16, "Hazardous Substances" are those substances defined as toxic or hazardous subdtatced by Environmental Law and the following eubstances: gasoline, keroaemn, other flammable or toxic petroleum products. toxic pesticides and herbicides, voladlesolvents, materials containing asbestos or formaldehyde, and radioactive materials. As used the paragraph 16, "Enviromnental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. NON UNIFORM COVENANTS. Borrower and Leader further covenant and agree as follows; 17. Ased;p mad or Rants. Borrower unconditionally assigns and transfers to Lander all the rents and revenues of the Property. Borrower snthorizes Lender or Landoes agents to collect the rents and revenues and hereby directs each tenant of the Property to pay the rents to Leader or Lender's ageate. However, prior to Leader's notice to Borrower of Borrower's breach of any covenant or agreement in the Security Instrument, Borrower shall collect and receive all rents and revenues of the Properly as trustee for We benefit of Leader and Borrower. This assignment of rents constitutes an absolute assignment and not an assignment for additional security only. PBNNSnVAM PAA aa0a?oAOH 0-3701 (1102) (PUPIMU 61001 PAGH 6 OP e 8K 1854PG4053 H I.endac gives notice of breach to Borrower: (a) all rents received by Borrower "be held by Borrower as trustee for benefit of Lender only, to be applied to the sums inured by the Security Instrumant; (b) Leauier shall be entitled to collect and twelve all of the rents of the Property; and (c) rash tenant of the Property shall pay all rents due and unpold to Lender or Lender's agent on Leader's written demand to the tenant. Borrower has not executed any prior assignment of the reuse and has not and will not perform any act that would prevent Lendar from exercising Its rights under this Paragraph 17. Leander shall not be required to enter upon, take control of or msintaia the property before or after giving notice of breach to Borrower. However, Lender or a judicially appointed receiver may des so at any time there is a breach. Any application of rents shalt not cure or waive any default or mvalklate any other tight or remedy of lender. This assignment of rents of the Property shall terminate when the debt secured by the Security Inattument is paid in NU. 18. Foreclosure Procedure. If Lender requires immediate payment In NO under paragraph 9, Lender may foreclose this Security Instrument by judleW proceeding. Lends shall be entitled to collect all expenses bmu rred in pursuing the remedies provided In this paragraph 18, including, but not Bmited to, attorneys' few and costs of Me addelce to the axtent pernsttted by appUcable law. 9 the Lender's Interest in this Security Instrumcat b held by star battery and the Secretary requires immediate payment in frail under Paragraph 9, the Secretary may havoloe the mejudk d power of We provided In the Oak Family Mortgage Foreclosure Act of 1994 ("Act") (12 U.S.C. 3751 jLM.) by requesting a foredssaare eonualsdooae, designated under the Act to commance foredown and to sell the Propaq as provided in the Act. Nothing In the precubg sentence shall deprive the Secretary of any rights otherwise avatiabie to a Lendw under title Paragraph 18 or appBeable law. 19. Relem Upon payment of alt same secured by this Security instcumeat, this Security instrument and the estate conveyed shall, terminate and become void. After such occurrence, Lender shall discharge and satisfy this Security Instrument without charge to Borrower. Borrower shall pay any recordation costa. 20. Waivers. Borrower, to the extent permitted by applicable law. waives and Mum any error or defects In proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or fixture laws providing for stay of execution, extension of time, exemption from attachment, levy and We, and homestead exemption. 21. Reinstatement Period. Borrower's time to reinstate provided in paragraph 10 shall extend to ono hour prior to the cow of bidding at a shei f's sale or other We pursuant to this Security hutnnaemt. 22. Pamelme Money Mortgage. U any of the debt scouted by this Security h atrummt is lent to Borrower to acquire title to the Property, this Security instrument OM be a purchase money mortgage. 23. Interest Rate After Judganut. Borrower agrees that the interest rate payable after a judp nt is entered on the Note or In an action of mortgage forados re shall be the rate payable from time to dine under the Note. 24. Bide rs to thia Security Imtrument. If one or mote ciders are executed by Borrower and mcorde d together with this Security Instrument, the covenants and apamente of ark such rider shall be Incorporated Into and shall amend and supplement the covenants and M moments of this Security butlvanent ai if the rider(s) were a part of Me Security Instrument. The following riders are attached: NO RIDERS ATTACHED PENNSYLVANIA PU MORMAGS tr3701 (110M (Rgkca 6106) PAGE 7 OF I BK. I 854PG4054 BY SIGNING BELOW, Borrower accepm and agrees to the tarns eoataiaed in this Security lastrumemt and in any rider(s) executed by Borrower and recorded with it. The Borrower certifies that a true copy of the mortgage has boon received. 44,14 W& JAY '128 C EY 11 LA P COMMONWBALTH OF PmwsyLVAAIA 4d4-,.4 ss: COUNTY OF 1 On this 19th day Of February, 2004 before me, the sobamiber, a Notary Public in and for the Commonwealth of Pemssylvanta, residing in carne the above-named u6sadiber(s), JAYSON A BEEM, UNMARRIED STACEY R LATHROP, UNMARRIED and acknowledged the within buicature of Mortgage to be their act sod deed, and deaired the same to be recorded as arch. WITNESS my baud aad seal, the day and year aforesaid. PENNSYLVANIA FHA MORTGAGE 0.7701 UIM tRspl = 6" PAGE 8 OF a BK,I854PG40.55 First American Title Insurance Company Commitment No. 041 SCHEDULE C Legal Dencription Tract I: ALL THAT CERTA N lot of ground situate in the Township of Fast Pennaboro, County of Cumberland and State of Pennsylvania, being more particularly bounded and described as follows: BEGINNING at a point on the north aide of West Beale Avenue (formerly Roebuck Street), at the southeastern corner of Lot No. 42 on the hereinafter mentioned plan of lots; thence westwardly along said West Beale Avenue 25 feet to Lot No. 43; thence in a northwardly direction 150 feet along Lot No. 43 to ColvrA Street; thence in an easterly, direction along Colvert (also referred to as Covert) Street 25 feet to Lot No. 41; thence in a southerly direction along Lot No, 41, 150 feet to a point, the place of BEGINNING. BEING Lot No. 42 on the addition to plan of lots laid out by John Q. Addams as recorded in Plan Hook I, Page 17, Cumberland County Records. HAVING thereon erected a dwelling house known and numbered as 9 West Beale Avenue, Enola, Pennsylvania. Tract 2: ALL THAT CERTAIN lot or tract of ground situate in the Township of East Pennaboro, County of Cumberland and State of Pennsylvania, more particularly bounded and, described as follows: BEGINNING at a point on the north side of Roebuck Street, at the line of lands now or fate of Mary E. Trottttnan, being known as Lot No. 42 on the hereinafter mentioned Plan of lots; thence in a northerly direction along the westerly line of Lot No. 42 on said Plan 150 feet to a point on the southerly line of Covert Street; thence in a westerly direction along Covert (also referred to as Colvert) Street 12.5 feat to a point; thence in a southerly direction along the line of lead now or formerly of Nellie E, Tmutmaa 150 feet to a point on the northerly line of Roebuck Street; thence along Roebuck Street in an easterly direction 12.5 feet to the placa of BEGINNING. BEING the easterly one-half of Lot No. 43 on the Plan of lots laid out by Pyna and Addams, said Plan being recorded in the Office of the Recorder of Deeds in and for said County of Cumberland in Plan Book 1, Page 17. ! ?'t•rt! I this to be recorded ?? rland County PEA Recorder of Deeds PA-3 1.8-5.4fG 4 06.6 r NOTE FHA Case No. 9 WEST BEALE AVE, ENOLA, PA 17025 February 19, 2004 D- PMMM Add- 1. PARTIES "Borrower" means each person signing at the end of this Note, and the person's successors and assigns, "Lender" means CHASE MANHATTAN MORTGAGE CORPORATION and its successors and assigns. 2. BORROWER'S PROMISE TO PAY; INTEREST In return for a loan received from Lender, Borrower promises to pay the principal sum of Ninety-One Thousand, Eight Hundred Eighty-Eight and 00/100 Dollars (U.S. $ 91, 888.00 ), plus interest, to the order of Lender. Interest will be charged on unpaid principal, from the date of disbursement of the loan proceeds by Lender, at the rate of Five and Three-Quarters percent ( 5.750 96) per year until the full amount of principal has been paid. 3. PROMISE TO PAY SECURED Borrower's promise to pay is secured by a mortgage, dad of trust or similar security instrument that is dated the same date as this Note and called the "Security Instrument." That Security Instrument protects the Lender from losses which might result if Borrower defaults tinder this Note. 4. MANNER OF PAYMENT (A) Time Borrower shall make a payment of principal and interest to Lender on the first day of each month beginning on April 1, 2004 . Any principal and interest remaining on the first day of March, 2034 will be due on that date, which is called the maturity date. (B) Place Payment shall be made at P.O. BOX 79046 PHOENIX, AZ 85062-9046 or at such other place as Lender may designate in writing by notice to Borrower. (C) Amount Each monthly payment of principal and interest will be in the amount of U.S. $ 536.23 Five Hundred Thirty-Six and 23/100 'This amount will be part of a larger monthly payment required by the Security Instrument, that shall be applied to principal, interest and other items in the order described in the Security Instrument. (D) Allonge to this Note for Payment Adjustments If an allonge providing for payment adjustments is executed by Borrower together with this Note, the covenants of the allonge shall be incorporated into and shall amend and supplement the covenants of this Note as if the allonge were a part of this Note. 5. BORROWER'S RIGHT TO PREPAY Borrower has the right to pay the debt evidenced by this Note, in whole or in pan, without charge or penalty, on the first day of any month. Lender shall accept prepayment on other days provided that borrower pays interest on the amount prepaid for the remainder of the month to the extent required by Lender and permitted by regulations of the Secretary. If Borrower makes a partial prepayment, there will be no changes in the due date or in the amount of the monthly payment unless Lender agrees in writing to those changes. 6. BORROWER'S FAELURE TO PAY (A) Late Charge for Overdue Payments If lender has not received the full monthly payment required by the Security Instrument, as described in Paragraph 4(c) of this Note by the end of fifteen calendar days after the payment is due, Lender may collect a late charge in the amount of 4% of the overdue amount of each payment. (B) Default If Borrower defaults by failing to pay in full any monthly payment, then Lender may, except as limited by regulations of the Secretary in the case of payment defaults, require immediate payment in full of the principal balance remaining due and all accrued interest. Lender may choose not to exercise this option without waiving its rights in the event of any subsequent default. In many circumstances regulations issued by the Secretary will limit Lender's right to require immediate payment in full in the case of payment defaults. This Note does not authorize acceleration when not permitted by HUD regulations. As used in this Note, "Secretary" means the Secretary of Housing and Urban Development or his or her designee. FHA MULTISTATE FIXED RATE NOTE % ' c-rwz ttrro6l t+se t of z (Replacesl/96) Eyh ;b (C) Payment of Costs and Expenses If Lender has required immediate payment in full, as described above, Lender may require Borrower to pay costs and expenses including reasonable and customary attorney's fees for enforcing this Note to the extent not prohibited by applicable law. Such fees and costs shall bear interest from the date of disbursement at the same rate as the principal of this Note. 7. WAIVERS Borrower and any other person who has obligations under this Note waive the rights of presentment and notice of dishonor. "Presentment" means the right to require Lander to demand payment of amounts due. "Notice of dishonor" means the right to require Lender to give notice to other persons that amounts due have not been paid. 8. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to Borrower under this Note will be given by delivering it or by mailing it by first class mail to Borrower at the property address above or at a different address if Borrower has given Lender a notice of Borrower's different address. Any notice that must be given to Lander under this Note will be given by first class trail to Lender at the address stated in Paragraph 4(B) or at a different address if Borrower is given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guaramor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. Lender may enforce its rights under this Note against each person individually or against all signatories together. Any one person signing this Note may be required to pay all of the amounts owed under this Note. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Note. JAYSO E ORS7 STACEY R ROPI- V Pay tote rdet 49,19 Without Recou a Chase Men a Corporation t5T DEWANNA HENDERSOWASST. SECRETARY FHA MULTISTATE FIXED RATE NOTE C•7302 (11196) Page 2 of 2 (Replan U96) REPRESENT NT Chase Home Finance LLC (FL5-7734) CHASE PO BOX 44090 Jacksonville, FL 32231-4090 7107 8381 6540 5692 8383 March 15, 2011 Return Service Requested JAYSON A BEERS 3 HAZZARD LN ENOLA PA 17025-1814 Your house is your home. We want to keep it that way. We need to talk-call (800) 848-9380 today. You're going through tough times-we can help. In fact, we believe your home loan may be eligible for a loan workout-we may be able to change the terms of your loan, including the interest rate, to reduce the monthly payment to an amount you can afford. Call us today at (800) 848-9380 so we can help you turn things around. We'll discuss your current situation (outlined in the enclosed letter) and the options available to you. But we cannot stress enough that the longer you delay calling us-the fewer chances you may have to keep your home. It will only take a few minutes on the phone-one of our Loan Specialists will work with you to determine the option that best fits your needs. There are several options available-call us now and let's see which one will work best for you. We are committed to working with you to try to find a way to help you keep your home, but you must call us immediately at (800) 848-9380-the longer you delay the fewer options you may have. Collections Department Chase Home Finance LLC (800) 848-9380 (800) 582-0542 TDD / Text Telephone P.S. The enclosed letter outlines your loan status and the consequences that will occur unless we receive the required financial information from you and can approve you for a loan workout. Once you call us with the information needed, then we can work together to determine the option that will work best for you. We cannot guarantee that you will be approved, but your only chance of saving your home is by contacting us immediately. Please don't delay-call us now at (800) 848-9380. FCL MTM INT?RNETIRJEPWVT Vni 7vgr 1 t i REPRESENTATION OF PRINTED DOCUMENT Chase Home Finance LLC (FL5-7734) PO BOX 44090 Jacksonville, FL 32231-4090 March 15, 2011 JAYSON A BEERS 3 HAZZARD LN ENOLA PA 17025-1814 Acceleration Warning (Notice of Intent to Foreclose) Account: the "Loan") Property Address: 9W BEALE AVE ENOLA, PA 17025 (the "Property") Dear JAYSON A BEERS: ACT 91 NOTICE CHASE 0 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 pages. The HOMEOWNERS' EMER ENCY MORTGAGE ASSISTANCE PROGRAM the Pennsylvania Housing Finance Agency toll free at (800-42 2397 (Persons with impaired hearing can call [717] 780-1869J 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. INTERNET REPRINT IHIS NOTICE: Take this Notice with you when you meet with the Counseling Agency. REPRESENTATION OF PRINTED DOCUMENT 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. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS' 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. NUMBER: ORIGINAL LENDER: CURRENT LENDER/SERVICER: JAYSON A BEERS STACEY R LATHROP 9W BEALE AVE ENOLA, PA 17025 CHASE MANHATTAN MORTGAGE CORPORATION Chase Home Finance LLC HOMEOWNERS' 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 HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three [3] days for mailing). During that time, you must arrange and attend a "face-to-face" meeting with one of the Consumer Credit Counseling Agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - if you meet with one of the Consumer Credit Counseling Agencies listed at the end of this Notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses, and telephone numbers of designated Consumer Credit Counseline Agencies for the countv in which the Pronertv 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. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Program ("HEMAP"). To do so, you must fill out, sign, and file a completed HEMAP Application with one of the designated Consumer Credit Counseling Agencies listed at the end of this Notice. Only Consumer Credit Counseling Agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to the Pennsylvania Housing Finance Agency ("PHFA") and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN THIRTY-THREE (33) DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH THE PHFA WITHIN THIRTY (30) DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE ACTION AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES 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 upto date . NATURE OF THE DEFAULT - The mortgage debt held by the above lender on your Property located at: 9W BEALE AVE, ENOLA, PA 17025 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS starting 08/01/2010 through 03/15/2011, and the following amounts are now past due. If you have any questions about the amounts below, please contact us as soon as possible at (800) 848-9380. Total Monthly Payments Past Due: $5,843.80 Late Charges: $116.88 Insufficient Funds (NSF) Fees: $0.00 Other Fees and Advances*: $342.00 Amount Held in Suspense: $0.00 TOTAL AMOUNT DUE TO CURE DEFAULT: $6,302.68 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT *Other Fees and Advances include those amounts allowed by your Note and Security Instrument. If you need additional information regarding any of these amounts, please contact its at the number provided below. 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 $6,302.68, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)-DAY PERIOD. Payments must be made in the form of cash, cashier's check, money order, or certified check and sent to: Regular Mail: Chase Home Finance LLC PO BOX 78420 Phoenix, AZ 85062-8420 Overnight Mail: Chase Home Finance LLC Attention PO Box 78420 1820 East Sky Harbor Circle South Phoenix, AZ 85034-9700 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 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 fees actually incurred by the lender even if they exceed $50.00. Any attorney 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 fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30)-DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time unto one hour before the Sheriffs Sale You may do so by pang the total amount thenl2ast due. plus any late or other charges then due, reasonable attorney fees and costs connected with the foreclosure sale, and any other costs connected with the Sheriffs Sale as specified in writing by the lender, and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this Notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a sheriffs sale of the mortgaged Property could be held would be approximately five to six (5-6) 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. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT HOW TO CONTACT THE LENDER: Name of Lender: Chase Home Finance LLC Address: Phone Number: Fax Number: Contact Person: E-Mail Address: Mail Code OH4-7356 3415 Vision Drive Columbus, OH 43219-6009 (800) 848-9380 (614) 422-7912 Justin Powell-Wilburn Justin.L.Powell-Wilburn@chase.com EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged Property and your right to occupy it. If you continue to live in the Property after the sheriffs sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may be eligible to 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. To determine eligibility, you must contact our office to verify the assumability of your Property. 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. Sincerely, Collections Department Chase Home Finance LLC (800) 848-9380 (800) 582-0542 TDD / Text Telephone Enclosures 1. Federal Trade Commission Pamphlet 2. HEMAP Consumer Credit Counseling Agencies INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT CERTIFIED MAIL: Return Receipt Requested and First Class Mail An important reminder for all our customers: As stated in the "Questions and Answers for Borrowers about the Homeowner Affordability and Stability Plan" distributed by the Obama Administration, "Borrowers should beware of any organization that attempts to charge a fee for housing counseling or modification of a delinquent loan, especially if they require a fee in advance." Loan modification scams should be reported to PreventLoanScams.org, or by calling (888) 995- HOPE. Chase offers loan modification assistance free of charge (i.e., no modification fee required). Please call us immediately at (800) 848-9380 to discuss your options. The longer you delay the fewer options you may have. Chase Home Finance LLC is a debt collector. BR860 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT HUD COUNSELING AGENCIES - PENNSYLVANIA AGENCIES PHONE ADDRESS CITY ZIP CODE CCCS of Western PA 888-511-2227 524 Franklin Avenue Aliquippa 15001 Housing Opportunities of Beaver County 724-728-7511 320 College Avenue Unit 1 Beaver 15009 Housing Opportunities of Beaver County, Inc. 724-728-7511 282 East End Avenue Beaver 15010 Mon Valle Initiative 412-464-4000 303-305 E 8th Avenue Homestead 15120 CCCS of Western PA 888-511-2227 2403 Sidney Street River Park Commons Pittsburgh 15203 Action-Housin Inc. 412-281-2102 425 6th Avenue - Suite 950 Pittsburgh 15219 Neighborworks Western PA, formerly Neighborhood Housing Services, Inc. 412-281-9773 710 5th Avenue - Suite 1000 Pittsburgh 15219 PA Housin Finance Agency 412-429-2842 2275 Swallow Hill Road Bldg 200 Pittsbur h 15220 Three Rivers Center for Independent Living 412-371-7700 900 Rebecca Avenue Pittsburgh 15221 Fair Housing Partnership of Greater Pittsburgh, Inc. 412-391-2535 2840 Liberty Avenue - Suite 205 Pittsburgh 15222 Urban League of Greater Pittsburgh 412-227-4163 610 Wood Street Pittsbur h 15222 Garfield Jubilee Associates 412-665-5200 5138 Penn Avenue Pittsburgh 15224 Nazareth Housing Services 412-931-6996 301 Bellevue Road Pittsbur h 15229 CCCS of Western PA 888-511-2227 41 E Chestnut Street Washington 15301 Community Action Southwest 724-255-9550 150 W Beau StreetSuite 304 Washington 15301 Southwestern PA Le al Services Inc 800-846-0871 10 W Cher Avenue Central Office Washington 15301 Southwestern PA Legal Services Inc. 800-846-0871 63 S Washington Street Waynesburg 15370 Fayette County Community Action Agency 724-437-6050 140 N Beeson Avenue Uniontown 15401 Southwestern PA Legal Services Inc 800-846-0871 132 E Catherine Street Somerset 15501 CCCS of Western PA 888-511-2227 1 North ate Square Greensbur 15601 Westmoreland Community Action 724-834-1260 226 S Maple Avenue Greensburg 15601 Indiana County Community Action Program, Inc. 724-465-2657 827 Water Street P.O. Box 187 Indiana 15701 The NORCAM Group 814-948-4444 4200 Crawford Avenue Suite 200 Northern Cambria 15714 Northern Tier Community Action Corporation 814-486-1161 135 W 4th Street Emporium 15834 CCCS of Western PA 888-511-2227 112 Hollywood Drive - Suite 101 Butler 16001 Housin Authors of Butler County 724-287-6797 114 Wood Drive Butler 16001 Lawrence County Social Services Inc. 724-658-7258 241 W Grant Street P.O. Box 189 New Castle 16103 Shenan o Valle Urban League 724-981-5310 601 Indiana Avenue Farrell 16121 CCCS of the Midwest 800-355-2227 734 Stambaugh Avenue Sharon 16146 Community Action Partnership of Mercer County 724-342-6222 75 S Dock Street Sharon 16146 Armstrong County Community Action Agency 724-548-3405 124 Armsdale Road - Suite 211 Kittanning 16201 CCCS of Western PA 888-511-2227 312 Chestnut Street - Suite 227 Meadville 16335 Center for Family Services Inc. 814-337-8450 213 W Center Street Meadville 16335 Warren Forest Counties EOC 814-726-2400 1209 Pennsylvania Avenue W P.O. Box 547 Warren 16365 Greater Erie Community Action Agency 814-459-4581 18 W 9th Street Erie 16501 Booker T. Washington 814-453-5744 1720 Holland Street Erie 16503 Saint Martin Center Inc. 814-452-6113 1701 Parade Street Erie 16503 Voices for Independence 814-874-0064 1107 Payne Avenue Erie 16503 Ba front Nato Inc. 814-459-2761 312 Chestnut Street Erie 16507 CCCS of Western PA 888-511-2227 4402 Peach Street Erie 16509 Blair County Community Action Agency 814-946-3651 2100 6th Avenue - Suite 102 P.O. Box 1833 Altoona 16602 CCCS of Western PA 888-511-2227 917 A Logan Boulevard Royal/Remax Plaza Altoona 16602 CCCS of Northeastern PA 814-238-3668 202 W Hamilton Avenue State College 16801 The Trehab Center of Northeastern PA 570-724-5252 144 E East Avenue Weilsboro 16901 Pennsylvania Housing Finance A enc 717-780-3907 211 N Front Street Harrisburg 17101 CCCS of Western PA 888-511-2227 2000 Lin lestown Road Harrisburg 17110 Fair Housing Council of the Capital Region, Inc. 717-238-9540 2100 N 6th Street Harrisburg 17110 Loveshi Inc. _ 717-232-2207 2320 N 5th Street Harrisburg 17110 PHFA 717-780-3940 211 N Front Street Harrisburg 17110 Maranatha 717-762-3285 43 Philadelphia Avenue Waynesboro 17268 CCCS of Western PA 888-511-2227 55 Clover Hill Road Dallastown 17313 Adams County Interfaith Housing Authority 717-334-1518 40 E High Street Gettysburg 17325 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT American Red Cross - Hanover Chapter 717-637-3768 529 Carlisle Street Hanover 17331 Housing Alliance of York 717-854-1541 35 S Duke Street York 17401 Opportunity, Inc. 717-424-3645 301 E Market Street York 17403 SACA Development Corp. 717-399-4292 453 S Lime Street Suite B Lancaster 17602 Base, Inc. 717-392-5467 447 S Prince Street Lancaster 17603 Tabor Community Services, Inc. 717-397-5182 308 E Kin Street Lancaster 17608 CCCS of Northeastern PA 570-323-6627 201 Basin Street - Suite 600 Williamsport 17701 Lycoming-Clinton Counties Commission for Community Action 570-326-0587 2138 Lincoln Street P.O. Box 3568 Williamsport 17703 CCCS of Northeastern PA 800-922-9537 217 S Center Street Sunbury 17801 CCCS of Northeastern PA 800-922-9537 702 Sawmill Road Bloomsburg 17815 Schuylkill Community Action 570-622-1995 225 N Centre Street Pottsville 17901 Community Action Committee of Lehigh Valley, Inc. 610-691-5620 1337 E 5th Street Bethlehem 18015 El Shaddaf Bethlehem Ministries 610-625-3500 529 E Broad Street Bethlehem 18018 CCCS of Lehigh Valley, A Division of MMI 800-220-2733 306 Spring Garden Street Easton 18042 CCCS of Lehigh Valley, A Division of MMI 800-220-2733 3671 Crescent Court E Whitehall 18052 Alliance for Building Communities 610-439-7007 830 Hamilton Mall Allentown 18101 Neighborhood Housing Services of the Lehigh Valle 610-437-4571 239 N 10th Street Allentown 18102 Catholic Charities Diocese of Allentown 610-435-1541 530 Union Boulevard Allentown 18109 CCCS of Northeastern PA 800-922-9537 81 S Church Street Hazleton 18201 Opportunity, Inc. 570-236-7642 West End Plaza Unit No. 10 Brodheadsville 18322 CCCS of Northeastern PA 570-420-8980 411 Main Street - Suite 102 Stroudsburg 18360 CCCS of Northeastern PA 800-922-9537 232 Sunrise Avenue Route 191 Honesdale 18431 The Trehab Center of Northeastern PA 570-253-8941 1225 Main Street Honesdale 18431 Catholic Social Services 570-558-3019 Saint Catherine Manor 5 Knox Road Scranton 18505 Catholic Social Services, Diocese of Scranton 570-207-2283 516 Fig Street Scranton 18505 United Neighborhood Centers of Northeastern PA 570-346-0759 425 Alder Street Scranton 18505 Neighborhood Housing Services of Lackawanna County 570-558-2490 709 E Market Street Scranton 18509 Opportunity, Inc. 570-236-7642 Aharts Plaza/Key Real Estate Route 15 & 940 Blakeslee 18610 The Trehab Center of Northeastern PA 570-928-9667 German Street P.O. Box 389 Dushore 18614 American Credit Counseling Institute 888-468-8847 212 Berwick-Hazelton Highway Nescopeck 18635 CCCS of Northeastern PA 570-602-2227 401 Laurel Street Pittston 18640 The Trehab Center of Northeastern PA 570-836-6840 115 SR 92S Tunkhannock 18657 CCCS of Northeastern PA 570-821-0837 77 E Market Street, 7th Floor Wilkes Barre 18701 Commission on Economic Opportunity o Luzerne County 570-826-0510 165 Amber Lane P.O. Box 1127 Wilkes Barre 18703 The Trehab Center of Northeastern PA 570-278-5227 10 Public Avenue Montrose 18801 The Trehab Center of Northeastern PA 570-888-0412 703 S Elmer Avenue Suite M.6 Sayre 18840 Bucks County Housing Group 215-598-3566 2324 2nd Street Pike - Suite 17 Wrightstown 18940 CCCS of Lehigh Valley, A Division of MMI 800-220-2733 127 S 5th Street Quakertown 18951 Credit Counseling Center 215-396-1880 832 2nd Street Pike 18954 American Credit Counseling Institute 215-444-9429 530 W Street Road - Suite 201 Warminster 18974 Opportunity, Inc. 610-660-6687 Two Bala Plaza Suite 300 Philadelphia 19004 CCCS of the Delaware Valley 215-563-5665 1230 New Rogers Road - Suite F1 Bristol 19007 American Red Cross of Chester 610-874-1484 1729 Edgemont Avenue Chester 19013 CCCS of the Delaware Valley 215-566-5335 130 E 7th Street Chester 19013 American Financial Counseling Services 267-228-7903 871 N Easton Road Glenside 19038 CCCS of the Delaware Valley 800-989-2227 261 Old York Road Pavilion Suite 401 Jenkintown 19046 CCCS of the Delaware Valley 215-563-5665 280 N Providence Road Media 19063 Media Fellowship House 610-565-0434 302 S Jackson Media 19063 CCCS of the Delaware Valley 215-566-5335 240 N Bishop Street Springfield 19064 American Credit Alliance 215-295-7195 2 S Delmorr Avenue Morrisville 19067 Advocates for Financial Independence 215-389-2810 202 E Hinkley Avenue Ridley Park 19078 American Credit Counseling Institute 610-971-2210 175 Strafford Avenue - Suite 1 Wayne 19087 Housing Association of Delaware Valley 215-545-6010 1500 Walnut Street Suite 601 Philadelphia 19102 Unemployment Information Center 215-557-0822 112 N Broad Street 11th Floor Philadelphia 19102 CCCS of the Delaware Valley 215-563-5665 1608 Walnut Street 10th Floor Philadelphia 19103 PA Council For Community Advancement 215-567-7803 100 N 17th Street Suite 600 Philadelphia 19103 Philadelphia Council for Community Advancement 215-567-7803 1617 JFK Boulevard - Suite 1550 Philadelphia 19103 Urban League of PA 215-985-3220 1818 Market Street 20th Floor Philadelphia 19103 Intercultural Family Services, Inc. 215-386-1298 4225 Chestnut Street Philadelphia 19104 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT The Partnership CDC 215-662-1612 4027 Market Street Philadelphia 19104 Liberty Resources 215-634-2000 714 Market Street Suite 100 Philadelphia 19106 CCCS of the Delaware Valle 215-563-5665 901 A Wood Street Philadelphia 19107 Philadelphia NHS 215-988-9879 121 N Broad Street #502 Philadelphia 19107 Urban League of PA 215-985-3220 121 S Broad Street 9th Floor Philadelphia 19107 American Financial Counseling Services 267-228-7903 1917 Welsh Road Philadelphia 19115 Mt. Airy, USA 215-844-6021 6703 Germantown Avenue - Suite 200 Philadelphia 19119 Korean Community Development Services Center 215-276-8830 6053-55 N 5th Street Philadelphia 19120 APM 215-235-6788 2147 N 6th Street Philadelphia 19122 Association De Puertorri uenos En Marcha 215-235-6070 600 W Diamond Street Philadelphia 19122 Housing Association of Delaware Valle 215-978-0224 1528 Walnut Street Philadelphia 19123 NACA Philadelphia, PA 215-531-5221 1341 N Delaware Avenue - Suite 312 Philadelphia 19125 New Kensington Community Development Corp. 215-427-0350 2515 Frankford Avenue Philadelphia 19125 Carroll Park Community Council, Inc. 215-877-1157 5218 Master Street Philadelphia 19131 Hispanic Alliance for Community Advancement 215-667-8932 2740 N Front Street Philadelphia 19133 CCCS of the Delaware Valle 800-989-2227 7340 Jackson Street Philadelphia 19136 West Oak Lane Community Development 215-224-0880 7300-02 O ontz Avenue Philadelphia 19138 CCCS of the Delaware Valle 215-566-5335 4400 N Reese Street Philadelphia 19140 Hispanic Association of Contractors and Enterprises 215-426-8025 167 W Alle hen Avenue, Suite 200 Philadelphia 19140 Nueva Es ranza 215-324-0746 4261 N 5th Street Philadelphia 19140 FOB CDC 215-549-8755 1201 W Olney Avenue Philadelphia 19141 Northwest Counseling Service 215-324-7500 5001 N Broad Street Philadelphia 19141 West Oak Lane 215-224-0880 6259 Limekiln Pike Philadelphia 19141 Southwest Community Development Corp. 215-729-0800 6328 Paschall Avenue Philadelphia 19142 Germantown Settlement 215-849-3104 5538 Wayne Avenue Building C Philadelphia 19144 Advocates for Financial Independence 215-389-2810 1806 S Broad Street -Suite 1 B Philadelphia 19145 Es eranza 215-336-3511 1920 S 20th Street Philadelphia 19145 South PA H.O.M.E.S. 215-334-4430 1444 Point Breeze Avenue Philadelphia 19146 Universal Companies _ 215-732-6518 800 S 15th Street Philadelphia 19146 Philadelphia Senior Center 215-546-5879 509 S Broad Street Philadelphia 19147 United Communities Southeast PA 215-467-8700 2029 S 8th Street Philadelphia 19148 American Credit Counseling Institute 888-212-6741 229 E Chestnut Street 1st Floor Coatesville 19320 CCCS of the Delaware Valle 215-563-5665 1001 E Lincoln Highway Suite Coatesville 19320 Housing Partnership of Chester County 610-518-1522 41 W Lancaster Avenue Downingtown 19335 Alliance for Better Housing, Inc. 610-925-1880 648 Buena Vista Drive Kennett Square 19348 American Credit Counseling Institute 888-212-6741 21 S Church Street West Chester 19380 CCCS of the Delaware Valle 800-989-2227 790 E Market Street - Suite 170 West Chester 19382 American Credit Counselling Institute 601-971-2210 526-528 Dekalb Street Norristown 19401 CCCS of the Delaware Valle 215-563-5665 113 E Main Street - 2nd Floor Norristown 19401 Consumer Credit Counseling Service of Delaware 610-272-0578 190 Germantown Pike, Suite 140 Norristown 19401 Genesis Housing Corp. 610-275-4357 208 DeKalb Street P.O. Box 1170 Norristown 19401 American Financial Counseling Services 267-228-7903 405 W Germantown Pike Norristown 19403 CCCS of the Delaware Valle 800-989-2227 1777 Sent Parkway West Blue Bell 19422 American Financial Counseling Services 267-228-7903 2880 Bergey Road - Suite 4 Hatfield 19440 American Credit Counseling Institute 888-212-6741 937 N Hanover Street Pottstown 19460 CCCS of Lehigh Valley, A Division of MMI 800-220-2733 1954 E High Street Pottstown 19464 PA Interfaith Community Programs, Inc. 610-562-2288 22 Willow Road Hamburg 19526 Budget Counseling Center 610-375-7866 247 N 5th Street Reading 19601 Neighborhood Housing Services of Reading, Inc. 610-372-8433 213 N 5th Street - Suite 1030 Reading 19601 American Financial Counseling Services 267-228-7903 906 Penn Avenue Wyomissing 19610 Rev. 10/09 FM646 INTERNET REPRINT REPRESENT NT Chase Home Finance LLC (FL5-7734) CHASEi PO BOX 44090 Jacksonville, FL 322314090 7107 8381 6540 5692 8390 March 15, 2011 Return Service Requested STACEY R LATHROP 3 HAZZARD LN ENOLA PA 17025-1814 Your house is your home. We want to keep it that way. We need to talk-call (800) 848-9380 today. You're going through tough times-we can help. In fact, we believe your home loan may be eligible for a loan workout-we may be able to change the terms of your loan, including the interest rate, to reduce the monthly payment to an amount you can afford. Call us today at (800) 848-9380 so we can help you turn things around. We'll discuss your current situation (outlined in the enclosed letter) and the options available to you. But we cannot stress enough that the longer you delay calling us-the fewer chances you may have to keep your home. It will only take a few minutes on the phone-one of our Loan Specialists will work with you to determine the option that best fits your needs. There are several options available-call us now and let's see which one will work best for you. We are committed to working with you to try to find a way to help you keep your home, but you must call us immediately at (800) 848-9380-the longer you delay the fewer options you may have. Collections Department Chase Home Finance LLC (800) 848-9380 (800) 582-0542 TDD / Text Telephone P.S. The enclosed letter outlines your loan status and the consequences that will occur unless we receive the required financial information from you and can approve you for a loan workout. Once you call us with the information needed, then we can work together to determine the option that will work best for you. We cannot guarantee that you will be approved, but your only chance of saving your home is by contacting us immediately. Please don't delay-call us now at (800) 848-9380. FCL MTM INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT Chase Home Finance LLC (FL5-7734) PO BOX 44090 Jacksonville, FL 32231-4090 March 15, 2011 STACEY R LATHROP 3 HAZZARD LN ENOLA PA 17025-1814 Acceleration Warning (Notice of Intent to Foreclose) Account: the "Load") Property Address: 9W BEALE AVE ENOLA, PA 17025 (the "Property") Dear STACEY R LATHROP: ACT 91 NOTICE CHASE 0 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 pages. The HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM COUNSELING AGENCY WITHIN THIRTY TH EE (33) 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. INTERNET REPRINT impaired hearing can call [7171780-1869.) REPRESENTATION OF PRINTED DOCUMENT 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. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS' 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. NUMBER: ORIGINAL LENDER: CURRENT LENDER/SERVICER: JAYSON A BEERS STACEY R LATHROP 9W BEALE AVE ENOLA, PA 17025 CHASE MANHATTAN MORTGAGE CORPORATION Chase Home Finance LLC HOMEOWNERS' 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 HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three [3] days for mailing). During that time, you must arrange and attend a "face-to-face" meeting with one of the Consumer Credit Counseling Agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (3.3) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the Consumer Credit Counseling Agencies listed at the end of this Notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses, and telephone numbers of designated Consumer Credit Counseling Agencies for the county in which_t1e-Prooerty 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. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT WPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Program ("HEMAP"). To do so, you must fill out, sign, and file a completed HEMAP Application with one of the designated Consumer Credit Counseling Agencies listed at the end of this Notice. Only Consumer Credit Counseling Agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to the Pennsylvania Housing Finance Agency ("PHFA") and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN THIRTY-THREE (33) DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH THE PHFA WITHIN THIRTY (30) DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE ACTION AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES 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 . NATURE OF THE DEFAULT - The mortgage debt held by the above lender on your Property located at: 9W BEALE AVE, ENOLA, PA 17025 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS starting 08/01/2010 through 03/15/2011, and the following amounts are now past due. If you have any questions about the amounts below, please contact us as soon as possible at (800) 848-9380. Total Monthly Payments Past Due: $5,843.80 Late Charges: $116.88 Insufficient Funds (NSF) Fees: $0.00 Other Fees and Advances*: $342.00 Amount Held in Suspense: $0.00 TOTAL AMOUNT DUE TO CURE DEFAULT: $6,302.68 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT *Other Fees and Advances include those amounts allowed by your Note and Security Instrument. If you need additional information regarding any of these amounts, please contact its at the number provided below. 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 $6,302.68, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)-DAY PERIOD. Payments must be made in the form of cash, cashier's check, money order, or certified check and sent to: Regular Mail: Chase Home Finance LLC PO BOX 78420 Phoenix, AZ 85062-8420 Overnight Mail: Chase Home Finance LLC Attention PO Box 78420 1820 East Sky Harbor Circle South Phoenix, AZ 85034-9700 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 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 fees actually incurred by the lender even if they exceed $50.00. Any attorney 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 fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30)-DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at anytime 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 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. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a sheriffs sale of the mortgaged Property could be held would be approximately five to six (5-6) 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. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT Name of Lender: Chase Home Finance LLC Address: Phone Number: Fax Number: Contact Person: E-Mail Address: Mail Code OH4-7356 3415 Vision Drive Columbus, OH 43219-6009 (800) 848-9380 (614) 422-7912 Justin Powell-Wilburn Justin.L.Powell-Wilburn@chase.com EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged Property and your right to occupy it. If you continue to live in the Property after the sheriffs sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may be eligible to 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. To determine eligibility, you must contact our office to verify the assumability of your Property. • 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. Sincerely, Collections Department Chase Home Finance LLC (800) 848-9380 (800) 582-0542 TDD / Text Telephone Enclosures 1. Federal Trade Commission Pamphlet 2. HEMAP Consumer Credit Counseling Agencies INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT CERTIFIED MAIL: Return Receipt Requested and First Class Mail An important reminder for all our customers: As stated in the "Questions and Answers for Borrowers about the Homeowner Affordability and Stability Plan" distributed by the Obama Administration, "Borrowers should beware of any organization that attempts to charge a fee for housing counseling or modification of a delinquent loan, especially if they require a fee in advance." Loan modification scams should be reported to PreventLoanScams.org, or by calling (888) 995- HOPE. Chase offers loan modification assistance free of charge (i.e., no modification fee required). Please call us immediately at (800) 848-9380 to discuss your options. The longer you delay the fewer options you may have. Chase Home Finance LLC is a debt collector. BR860 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT HUD COUNSELING AGENCIES - PENNSYLVANIA AGENCIES PHONE ADDRESS CITY ZIP CODE CCCS of Western PA 888-511-2227 524 Franklin Avenue Ali ui a 15001 Housing Opportunities of Beaver County 724-728-7511 320 College Avenue Unit 1 Beaver 15009 Housing Opportunities of Beaver County, Inc. 724-728-7511 282 East End Avenue Beaver 15010 Mon Valle Initiative 412-464-4000 303-305 E 8th Avenue Homestead 15120 CCCS of Western PA 888-511-2227 2403 Sidney Street River Park Commons Pittsburgh 15203 Action-Housing Inc. 412-281-2102 425 6th Avenue - Suite 950 Pittsburgh 15219 Neighborworks Western PA, formerly Neighborhood Housing Services, Inc. 412-281-9773 710 5th Avenue -Suite 1000 Pittsburgh 15219 PA Housing Finance Agency 412-429-2842 2275 Swallow Hill Road Bldg 200 Pittsburgh 15220 Three Rivers Center for Independent Living 412-371-7700 900 Rebecca Avenue Pittsburgh 15221 Fair Housin Partnership of Greater Pittsburgh, Inc. 412-391-2535 2840 Liberty Avenue - Suite 205 Pittsburgh 15222 Urban League of Greater Pittsburgh 412-227-4163 610 Wood Street Pittsburgh 15222 Garfield Jubilee Associates 412-665-5200 5138 Penn Avenue Pittsburgh 15224 Nazareth Housing Services 412-931-6996 301 Bellevue Road Pittsbur h 15229 CCCS of Western PA 888-511-2227 41 E Chestnut Street Washin ton 15301 Community Action Southwest 724-255-9550 150 W Beau StreetSuite 304 Washington 15301 Southwestern PA Legal Services Inc 800-846-0871 10 W Cher Avenue Central Office Washington 15301 Southwestern PA Legal Services Inc. 800-846-0871 63 S Washington Street Waynesburg 15370 Fayette County Community Action Agency 724-437-6050 140 N Beeson Avenue Uniontown 15401 Southwestern PA Legal Services Inc 800-846-0871 132 E Catherine Street Somerset 15501 CCCS of Western PA 888-511-2227 1 North ate Square Greensburg 15601 Westmoreland Community Action 724-834-1260 226 S Maple Avenue Greensburg 15601 Indiana County Community Action Program, Inc. 724-465-2657 827 Water Street P.O. Box 187 Indiana 15701 The NORCAM Group 814-948-4444 4200 Crawford Avenue Suite 200 Northern Cambria 15714 Northern Tier Community Action Corporation 814-486-1161 135 W 4th Street Emporium 15834 CCCS of Western PA 888-511-2227 112 Hollywood Drive - Suite 101 Butler 16001 Housing Authors of Butler County 724-287-6797 114 Wood Drive Butler 16001 Lawrence County Social Services Inc. 724-658-7258 241 W Grant Street P.O. Box 189 New Castle 16103 Shenan o Valle Urban League 724-981-5310 601 Indiana Avenue Farrell 16121 CCCS of the Midwest 800-355-2227 734 Stambaugh Avenue Sharon 16146 Community Action Partnership of Mercer County 724-342-6222 75 S Dock Street Sharon 16146 Armstrong County Community Action Agency 724-548-3405 124 Armsdale Road - Suite 211 Kittanning 16201 CCCS of Western PA 888-511-2227 312 Chestnut Street - Suite 227 Meadville 16335 Center for Family Services Inc. 814-337-8450 213 W Center Street Meadville 16335 Warren Forest Counties EOC 814-726-2400 1209 Pennsylvania Avenue W P.O. Box 547 Warren 16365 Greater Erie Community Action Agency 814-459-4581 18 W 9th Street Erie 16501 Booker T. Washin on 814-453-5744 1720 Holland Street Erie 16503 Saint Martin Center Inc. 814-452-6113 1701 Parade Street Erie 16503 Voices for Independence 814-874-0064 1107 Payne Avenue Erie 16503 Ba front Nato Inc. 814-459-2761 312 Chestnut Street Erie 16507 CCCS of Western PA 888-511-2227 4402 Peach Street Erie 16509 Blair County Community Action Agency 814-946-3651 2100 6th Avenue - Suite 102 P.O. Box 1833 Altoona 16602 CCCS of Western PA 888-511-2227 917 A Logan Boulevard Royal/Remax Plaza Altoona 16602 CCCS of Northeastern PA 814-238-3668 202 W Hamilton Avenue State Colie a 16801 The Trehab Center of Northeastern PA 570-724-5252 144 E East Avenue Wellsboro 16901 Pennsylvania Housing Finance Agency 717-780-3907 211 N Front Street Harrisburg 17101 CCCS of Western PA 888-511-2227 2000 Lin lestown Road Harrisburg 17110 Fair Housing Council of the Capital Region, Inc. 717-238-9540 2100 N 6th Street Harrisbur 17110 Loveshi Inc. 717-232-2207 2320 N 5th Street Harrisburg 17110 PHFA _ 717-780-3940 211 N Front Street Harrisburg 17110 Maranatha 717-762-3285 43 Philadelphia Avenue Waynesboro 17268 CCCS of Western PA 888-511-2227 55 Clover Hill Road Dallastown 17313 Adams County Interfaith Housing Authority 717-334-1518 40 E High Street Gettysburg 17325 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT American Red Cross - Hanover Chapter 717-637-3768 529 Carlisle Street Hanover 17331 Housing Alliance of York 717-854-1541 35 S Duke Street York 17401 Opportunity, Inc. 717-424-3645 301 E Market Street York 17403 SACA Development Corp. 717-399-4292 453 S Lime Street Suite B Lancaster 17602 Base, Inc. 717-392-5467 447 S Prince Street Lancaster 17603 Tabor Community Services, Inc. 717-397-5182 308 E Kin Street Lancaster 17608 CCCS of Northeastern PA 570-323-6627 201 Basin Street - Suite 600 Williamsport 17701 Lycoming-Clinton Counties Commission for Community Action 570-326-0587 2138 Lincoln Street P.O. Box 3568 Williamsport 17703 CCCS of Northeastern PA 800-922-9537 217 S Center Street Sunbury 17801 CCCS of Northeastern PA 800-922-9537 702 Sawmill Road Bloomsburg 17815 Schuylkill Community Action 570-622-1995 225 N Centre Street Pottsville 17901 Community Action Committee of Lehigh Valley, Inc. 610-691-5620 1337 E 5th Street Bethlehem 18015 El Shaddai Bethlehem Ministries 610-625-3500 529 E Broad Street Bethlehem 18018 CCCS of Lehigh Valley, A Division of MMI 800-220-2733 306 Spring Garden Street Easton 18042 CCCS of Lehigh Valley, A Division of MMI 800-220-2733 3671 Crescent Court E Whitehall 18052 Alliance for Building Communities 610-439-7007 830 Hamilton Mall Allentown 18101 Neighborhood Housing Services of the Lehigh Valle 610-437-4571 239 N 10th Street Allentown 18102 Catholic Charities Diocese of Allentown 610-435-1541 530 Union Boulevard Allentown 18109 CCCS of Northeastern PA 800-922-9537 81 S Church Street Hazleton 18201 Opportunity, Inc. 570-236-7642 West End Plaza Unit No. 10 Brodheadsville 18322 CCCS of Northeastern PA 570-420-8980 411 Main Street - Suite 102 Stroudsburg 18360 CCCS of Northeastern PA 800-922-9537 232 Sunrise Avenue Route 191 Honesdale 18431 The Trehab Center of Northeastern PA 570-253-8941 1225 Main Street Honesdale 18431 Catholic Social Services 570-558-3019 Saint Catherine Manor 5 Knox Road Scranton 18505 Catholic Social Services, Diocese of Scranton 570-207-2283 516 Fig Street Scranton 18505 United Neighborhood Centers of Northeastern PA 570-346-0759 425 Alder Street Scranton 18505 Neighborhood Housing Services of Lackawanna County 570-558-2490 709 E Market Street Scranton 18509 Opportunity, Inc. 570-236-7642 Aharts Plaza/Key Real Estate Route 15 & 940 Blakeslee 18610 The Trehab Center of Northeastern PA 570-928-9667 German Street P.O. Box 389 Dushore 18614 American Credit Counseling Institute 888-468-8847 212 Berwick-Hazelton Highway Nescopeck 18635 CCCS of Northeastern PA 570-602-2227 401 Laurel Street Pittston 18640 The Trehab Center of Northeastern PA 570-836-6840 115 SR 92S Tunkhannock 18657 CCCS of Northeastern PA 570-821-0837 77 E Market Street, 7th Floor Wilkes Barre 18701 Commission on Economic Opportunity o uzerne County 570-826-0510 165 Amber Lane P.O. Box 1127 Wilkes Barre 18703 The Trehab Center of Northeastern PA 570-278-5227 10 Public Avenue Montrose 18801 The Trehab Center of Northeastern PA 570-888-0412 703 S Elmer Avenue Suite M.6 Sayre 18840 Bucks County Housing Group 215-598-3566 2324 2nd Street Pike - Suite 17 Wrightstown 18940 CCCS of Lehigh Valley, A Division of MMI 800-220-2733 127 S 5th Street Quakertown 18951 Credit Counseling Center 215-396-1880 832 2nd Street Pike 18954 American Credit Counseling Institute 215-444-9429 530 W Street Road - Suite 201 Warminster 18974 Opportunity, Inc. 610-660-6687 Two Bala Plaza Suite 300 Philadelphia 19004 CCCS of the Delaware Valley 215-563-5665 1230 New Rogers Road - Suite F1 Bristol 19007 American Red Cross of Chester 610-874-1484 1729 Edgemont Avenue Chester 19013 CCCS of the Delaware Valley 215-566-5335 130 E 7th Street Chester 19013 American Financial Counseling Services 267-228-7903 871 N Easton Road Glenside 19038 CCCS of the Delaware Valley 800-989-2227 261 Old York Road Pavilion Suite 401 Jenkintown 19046 CCCS of the Delaware Valley 215-563-5665 280 N Providence Road Media 19063 Media Fellowship House 610-565-0434 302 S Jackson Media 19063 CCCS of the Delaware Valley 215-566-5335 240 N Bishop Street Springfield 19064 American Credit Alliance 215-295-7195 2 S Delmorr Avenue Morrisville 19067 Advocates for Financial Independence 215-389-2810 202 E Hinkley Avenue Ridley Park 19078 American Credit Counseling Institute 610-971-2210 175 Strafford Avenue - Suite 1 Wayne 19087 Housing Association of Delaware Valley 215-545-6010 1500 Walnut Street Suite 601 Philadelphia 19102 Unemployment Information Center 215-557-0822 112 N Broad Street 11th Floor Philadelphia 19102 CCCS of the Delaware Valley 215-563-5665 1608 Walnut Street 10th Floor Philadelphia 19103 PA Council For Community Advancement 215-567-7803 100 N 17th Street Suite 600 Philadelphia 19103 Philadelphia Council for Community Advancement 215-567-7803 1617 JFK Boulevard - Suite 1550 Philadelphia 19103 Urban League of PA 215-985-3220 1818 Market Street 20th Floor Philadelphia 19103 Intercultural Family Services, Inc. 215-386-1298 4225 Chestnut Street Philadelphia 19104 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT The Partnership CDC 215-662-1612 4027 Market Street Philadelphia 19104 Liberty Resources 215-634-2000 714 Market Street Suite 100 Philadelphia 19106 CCCS of the Delaware Valle 215-563-5665 901 A Wood Street Philadelphia 19107 Philadelphia NHS 215-988-9879 121 N Broad Street #502 Philadelphia 19107 Urban League of PA 215-985-3220 121 S Broad Street 9th Floor Philadelphia 19107 American Financial Counseling Services 267-228-7903 1917 Welsh Road Philadelphia 19115 Mt. Airy, USA 215-844-6021 6703 Germantown Avenue - Suite 200 Philadelphia 19119 Korean Community Development Services Center 215-276-8830 6053-55 N 5th Street Philadelphia 19120 APM 215-235-6788 2147 N 6th Street Philadelphia 19122 Association De Puertorri uenos En Marcha 215-235-6070 600 W Diamond Street Philadelphia 19122 Housing Association of Delaware Valle 215-978-0224 1528 Walnut Street Philadelphia 19123 NACA Philadelphia, PA 215-531-5221 1341 N Delaware Avenue - Suite 312 Philadelphia 19125 New Kensington Community Development Corp. 215-427-0350 2515 Frankford Avenue Philadelphia 19125 Carroll Park Community Council, Inc. 215-877-1157 5218 Master Street Philadelphia 19131 Hispanic Alliance for Community Advancement 215-667-8932 2740 N Front Street Philadelphia 19133 CCCS of the Delaware Valley 800-989-2227 7340 Jackson Street Philadelphia 19136 West Oak Lane Community Development 215-224-0880 7300-02 O ontz Avenue Philadelphia 19138 CCCS of the Delaware Valle 215-566-5335 4400 N Reese Street Philadelphia 19140 Hispanic Association of Contractors and Enterprises 215-426-8025 167 W Allegheny Avenue, Suite 200 Philadelphia 19140 Nueva Es eranza 215-324-0746 4261 N 5th Street Philadelphia 19140 FOB CDC 215-549-8755 1201 W Olney Avenue Philadelphia 19141 Northwest Counseling Service 215-324-7500 5001 N Broad Street Philadelphia 19141 West Oak Lane 215-224-0880 6259 Limekiln Pike Philadelphia 19141 Southwest Community Development Corp. 215-729-0800 6328 Paschall Avenue Philadelphia 19142 Germantown Settlement 215-849-3104 5538 Wayne Avenue Building C Philadelphia 19144 Advocates for Financial Independence 215-389-2810 1806 S Broad Street - Suite 1 B Philadelphia 19145 Es eranza 215-336-3511 1920 S 20th Street Philadelphia 19145 South PA H.O.M.E.S. 215-334-4430 1444 Point Breeze Avenue Philadelphia 19146 Universal Companies 215-732-6518 800 S 15th Street Philadelphia 19146 Philadelphia Senior Center 215-546-5879 509 S Broad Street Philadelphia 19147 United Communities Southeast PA 215-467-8700 2029 S 8th Street Philadelphia 19148 American Credit Counseling Institute 888-212-6741 229 E Chestnut Street 1 st Floor Coatesville 19320 CCCS of the Delaware VaGe 215-563-5665 1001 E Lincoln Highway Suite Coatesville 19320 Housing Partnership of Chester County 610-518-1522 41 W Lancaster Avenue Downingtown 19335 Alliance for Better Housing, Inc. 610-925-1880 648 Buena Vista Drive Kennett Square 19348 American Credit Counseling Institute 888-212-6741 21 S Church Street West Chester 19380 CCCS of the Delaware Valve 800-989-2227 790 E Market Street - Suite 170 West Chester 19382 American Credit Counseling Institute 601-971-2210 526-528 Dekalb Street Norristown 19401 CCCS of the Delaware Valle 215-563-5665 113 E Main Street - 2nd Floor Norristown 19401 Consumer Credit Counseling Service of Delaware 610-272-0578 190 Germantown Pike, Suite 140 Norristown 19401 Genesis Housing Corp. 610-275-4357 208 DeKalb Street P.O. Box 1170 Norristown 19401 American Financial Counseling Services 267-228-7903 405 W Germantown Pike Norristown 19403 CCCS of the Delaware VaGe 800-989-2227 1777 Sent Parkway West Blue Bell 19422 American Financial Counseling Services 267-228-7903 2880 Bergey Road - Suite 4 Hatfield 19440 American Credit Counseling Institute 888-212-6741 937 N Hanover Street Pottstown 19460 CCCS of Lehigh Valley, A Division of MMI 800-220-2733 1954 E High Street Pottstown 19464 PA Interfaith Community Programs, Inc. 610-562-2288 22 Willow Road Hamburg 19526 Budget Counseling Center 610-375-7866 247 N 5th Street Reading 19601 Neighborhood Housing Services of Reading, Inc. 610-372-8433 213 N 5th Street - Suite 1030 Reading 19601 American Financial Counseling Services 267-228-7903 906 Penn Avenue Wyomissing 19610 Rev. 10/09 FM646 INTERNET REPRINT REPRESENT NT Chase Home Finance LLC (FL5-7734) CHASE PO BOX 44090 Jacksonville, FL 32231-4090 1 111111 7107 8381 6540 5692 8406 March 15, 2011 Return Service Requested JAYSON A BEERS 9 W BEALE AVE ENOLA PA 17025-2806 Your house is your home. We want to keep it that way. We need to talk-call (800) 848-9380 today. You're going through tough times-we can help. In fact, we believe your home loan may be eligible for a loan workout-we may be able to change the terms of your loan, including the interest rate, to reduce the monthly payment to an amount you can afford. Call us today at (800) 848-9380 so we can help you turn things around. We'll discuss your current situation (outlined in the enclosed letter) and the options available to you. But we cannot stress enough that the longer you delay calling us-the fewer chances you may have to keep your home. It will only take a few minutes on the phone-one of our Loan Specialists will work with you to determine the option that best fits your needs. There are several options available-call us now and let's see which one will work best for you. We are committed to working with you to try to find a way to help you keep your home, but you must call us immediately at (800) 848-9380-the longer you delay the fewer options you may have. Collections Department Chase Home Finance LLC (800) 848-9380 (800) 582-0542 TDD / Text Telephone P.S. The enclosed letter outlines your loan status and the consequences that will occur unless we receive the required financial information from you and can approve you for a loan workout. Once you call us with the information needed, then we can work together to determine the option that will work best for you. We cannot guarantee that you will be approved, but your only chance of saving your home is by contacting us immediately. Please don't delay-call us now at (800) 848-9380. FCL MTM INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT Chase Home Finance LLC (FL5-7734) PO BOX 44090 Jacksonville, FL 32231-4090 March 15, 2011 JAYSON A BEERS 9 W BEALE AVE ENOLA PA 17025-2806 Acceleration Warning (Notice of Intent to Foreclose) Account.he "Load") Property Address: 9W BEALE AVE ENOLA, PA 17025 (the "Property") Dear JAYSON A BEERS: ACT 91 NOTICE CHASE 0 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 pages. The HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM The name, address, and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice If you have any questions, you may call the Pennsylvania Housing Finance Agency toll-free at (800) 342-2397 (Persons with impaired hearing can call [7171780-186911 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. INTERNET REPRINT THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. REPRESENTATION OF PRINTED DOCUMENT 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. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS' 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. NUMBER: ORIGINAL LENDER: CURRENT LENDERISERVICER: JAYSON A BEERS STACEY R LATHROP 9W BEALE AVE ENOLA, PA 17025 CHASE MANHATTAN MORTGAGE CORPORATION Chase Home Finance LLC HOMEOWNERS' 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 HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three [3] days for mailing). During that time, you must arrange and attend a "face-to-face" meeting with one of the Consumer Credit Counseling Agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the Consumer Credit Counseling Agencies listed at the end of this Notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses, and telephone numbers of designated Consumer Credit Couns-elins 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. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Program ("HEMAP"). To do so, you must fill out, sign, and file a completed HEMAP Application with one of the designated Consumer Credit Counseling Agencies listed at the end of this Notice. Only Consumer Credit Counseling Agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to the Pennsylvania Housing Finance Agency ("PHFA") and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN THIRTY-THREE (33) DAYS OF THE POSTMARK DATE OF THIS NOTICEAND FILE AN APPLICATION WITH THE PHFA WITHIN THIRTY (30) DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE ACTION AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES 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). NATURE OF THE DEFAULT - The mortgage debt held by the above lender on your Property located at: 9W BEALE AVE, ENOLA, PA 17025 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS starting 08/01/2010 through 03/15/2011, and the following amounts are now past due. If you have any questions about the amounts below, please contact us as soon as possible at (800) 848-9380. Total Monthly Payments Past Due: $5,843.80 Late Charges: $116.88 Insufficient Funds (NSF) Fees: $0.00 Other Fees and Advances*: $342.00 Amount Held in Suspense: $0.00 TOTAL AMOUNT DUE TO CURE DEFAULT: $6,302.68 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT *Other Fees and Advances include those amounts allowed by your Note and Security Instrument. If you need additional information regarding any of these amounts, please contact its at the number provided below. 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 $6,302.68, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)-DAY PERIOD. Payments must be made in the form of cash, cashier's check, money order or certified check and sent to: Regular Mail: Chase Home Finance LLC PO BOX 78420 Phoenix, AZ 85062-8420 Overnight Mail: Chase Home Finance LLC Attention PO Box 78420 1820 East Sky Harbor Circle South Phoenix, AZ 85034-9700 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 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 fees actually incurred by the tender even if they exceed $50.00. Any attorney 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 fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RI=GHT 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 fees and costs connected with the foreclosure sale, and any other costs connected with the Sheriffs Sale as specified in writing by the lender, and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this Notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a sheriffs sale of the mortgaged Property could be held would be approximately five to six (5-6) 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. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT Name of Lender: Chase Home Finance LLC Address: Phone Number: Fax Number: Contact Person: E-Mail Address: Mail Code OH4-7356 3415 Vision Drive Columbus, OH 43219-6009 (800) 848-9380 (614) 422-7912 Justin Powell-Wilburn Justin.L.Powell-Wilburn@chase.com EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged Property and your right to occupy it. If you continue to live in the Property after the sheriffs sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may be eligible to 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. To determine eligibility, you must contact our office to verify the assumability of your Property. 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. Sincerely, Collections Department Chase Home Finance LLC (800) 848-9380 (800) 582-0542 TDD / Text Telephone Enclosures 1. Federal Trade Commission Pamphlet 2. HEMAP Consumer Credit Counseling Agencies INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT CERTIFIED MAIL: Return Receipt Requested and First Class Mail An important reminder for all our customers: As stated in the "Questions and Answers for Borrowers about the Homeowner Affordability and Stability Plan" distributed by the Obama Administration, "Borrowers should beware of any organization that attempts to charge a fee for housing counseling or modification of a delinquent loan, especially if they require a fee in advance." Loan modification scams should be reported to PreventLoanScams.org, or by calling (888) 995- HOPE. Chase offers loan modification assistance free of charge (i.e., no modification fee required). Please call us immediately at (800) 848-9380 to discuss your options. The longer you delay the fewer options you may have. Chase Home Finance LLC is a debt collector. BR860 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT HUD COUNSELING AGENCIES - PENNSYLVANIA AGENCIES PHONE ADDRESS CITY ZIP CODE CCCS of Western PA 888-511-2227 524 Franklin Avenue Ali ui a 15001 Housing Opportunities of Beaver County 724-728-7511 320 College Avenue Unit 1 Beaver 15009 Housing Opportunities of Beaver County, Inc. 724-728-7511 282 East End Avenue Beaver 15010 Mon Valle Initiative 412-464-4000 303-305 E 8th Avenue Homestead 15120 CCCS of Western PA 888-511-2227 2403 Sidney Street River Park Commons Pittsburgh 15203 Action-Housing Inc. 412-281-2102 425 6th Avenue - Suite 950 Pittsburgh 15219 Neighborworks Western PA, formerly Neighborhood Housing Services, Inc. 412-281-9773 710 5th Avenue - Suite 1000 Pittsburgh 15219 PA Housing Finance Agency 412-429-2842 2275 Swallow Hill Road Bldg 200 Pittsbur h 15220 Three Rivers Center for Independent Living 412-371-7700 900 Rebecca Avenue Pittsburgh 15221 Fair Housing Partnership of Greater Pittsburgh, Inc. 412-391-2535 2840 Liberty Avenue - Suite 205 Pittsburgh 15222 Urban Lea ue of Greater Pittsbur h 412-227-4163 610 Wood Street Pittsburgh 15222 Garfield Jubilee Associates 412-665-5200 5138 Penn Avenue Pittsburgh 15224 Nazareth Housing Services 412-931-6996 301 Bellevue Road Pittsburgh 15229 CCCS of Western PA 888-511-2227 41 E Chestnut Street Washington 15301 Community Action Southwest 724-255-9550 150 W Beau StreetSuite 304 Washin ton 15301 Southwestern PA Legal Services Inc 800-846-0871 10 W Cher Avenue Central Office Washington 15301 Southwestern PA Legal Services Inc. 800-846-0871 63 S Washington Street Waynesburg 15370 Fayette County Community Action Agency 724-437-6050 140 N Beeson Avenue Uniontown 15401 Southwestern PA Legal Services Inc 800-846-0871 132 E Catherine Street Somerset 15501 CCCS of Western PA 888-511-2227 1 North ate Square Greensburg 15601 Westmoreland Community Action 724-834-1260 226 S Maple Avenue Greensburg 15601 Indiana County Community Action Program, Inc. 724-465-2657 827 Water Street P.O. Box 187 Indiana 15701 The NORCAM Group 814-948-4444 4200 Crawford Avenue Suite 200 Northern Cambria 15714 Northern Tier Community Action Corporation 814-486-1161 135 W 4th Street Emporium 15834 CCCS of Western PA 888-511-2227 112 Hollywood Drive - Suite 101 Butler 16001 Housing Authors of Butler County 724-287-6797 114 Wood Drive Butler 16001 Lawrence County Social Services Inc. 724-658-7258 241 W Grant Street P.O. Box 189 New Castle 16103 Shenan o Valle Urban League 724-981-5310 601 Indiana Avenue Farrell 16121 CCCS of the Midwest 800-355-2227 734 Stambaugh Avenue Sharon 16146 Community Action Partnership of Mercer County 724-342-6222 75 S Dock Street Sharon 16146 Armstrong County Community Action Agency 724-548-3405 124 Armsdale Road - Suite 211 Kittanning 16201 CCCS of Western PA 888-511-2227 312 Chestnut Street - Suite 227 Meadville 16335 Center for Family Services Inc. 814-337-8450 213 W Center Street Meadville 16335 Warren Forest Counties EOC 814-726-2400 1209 Pennsylvania Avenue W P.O. Box 547 Warren 16365 Greater Erie Community Action Agency 814-459-4581 18 W 9th Street Erie 16501 Booker T. Washington 814-453-5744 1720 Holland Street Erie 16503 Saint Martin Center Inc. 814-452-6113 1701 Parade Street Erie 16503 Voices for Independence 814-874-0064 1107 Payne Avenue Erie 16503 Ba front Nato Inc. 814-459-2761 312 Chestnut Street Erie 16507 CCCS of Western PA 888-511-2227 4402 Peach Street Erie 16509 Blair County Community Action Agency 814-946-3651 2100 6th Avenue - Suite 102 P.O. Box 1833 Altoona 16602 CCCS of Western PA 888-511-2227 917 A Logan Boulevard Royal/Remax Plaza Altoona 16602 CCCS of Northeastern PA 814-238-3668 202 W Hamilton Avenue State College 16801 The Trehab Center of Northeastern PA 570-724-5252 144 E East Avenue Weilsboro 16901 Pennsylvania Housing Finance Agency 717-780-3907 211 N Front Street Harrisburg 17101 CCCS of Western PA 888-511-2227 2000 Lin lestown Road Harrisburg 17110 Fair Housin Council of the Capital Region, Inc. 717-238-9540 2100 N 6th Street Harrisburg 17110 Loveshi Inc. 717-232-2207 2320 N 5th Street Harrisbur 17110 PHFA 717-780-3940 211 N Front Street Harrisburg 17110 Maranatha 717-762-3285 43 Philadelphia Avenue Waynesboro 17268 CCCS of Western PA 888-511-2227 55 Clover Hill Road Dallastown 17313 Adams County Interfaith Housing Authority 717-334-1518 40 E High Street Gettysburg 17325 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT American Red Cross - Hanover Chapter 717-637-3768 529 Carlisle Street Hanover 17331 Housing Alliance of York 717-854-1541 35 S Duke Street York 17401 Opportunity, Inc. 717-424-3645 301 E Market Street York 17403 SACA Development Corp. 717-399-4292 453 S Lime Street Suite B Lancaster 17602 Base, Inc. 717-392-5467 447 S Prince Street Lancaster 17603 Tabor Community Services, Inc. 717-397-5182 308 E Kin Street Lancaster 17608 CCCS of Northeastern PA 570-323-6627 201 Basin Street - Suite 600 Williamsport 17701 Lycoming-Clinton Counties Commission for Community Action 570-326-0587 2138 Lincoln Street P.O. Box 3568 Williamsport 17703 CCCS of Northeastern PA 800-922-9537 217 S Center Street Sunbury 17801 CCCS of Northeastern PA 800-922-9537 702 Sawmill Road Bloomsburg 17815 Schuylkill Community Action 570-622-1995 225 N Centre Street Pottsville 17901 Community Action Committee of Lehigh Valley, Inc. 610-691-5620 1337 E 5th Street Bethlehem 18015 El Shaddai Bethlehem Ministries 610-625-3500 529 E Broad Street Bethlehem 18018 CCCS of Lehigh Valley, A Division of MMI 800-220-2733 306 Spring Garden Street Easton 18042 CCCS of Lehigh Valley, A Division of MMI 800-220-2733 3671 Crescent Court E Whitehall 18052 Alliance for Building Communities 610-439-7007 830 Hamilton Mall Allentown 18101 Neighborhood Housing Services of the Lehigh Valle 610-437-4571 239 N 10th Street Allentown 18102 Catholic Charities Diocese of Allentown 610-435-1541 530 Union Boulevard Allentown 18109 CCCS of Northeastern PA 800-922-9537 81 S Church Street Hazleton 18201 Opportunity, Inc. 570-236-7642 West End Plaza Unit No. 10 Brodheadsville 18322 CCCS of Northeastern PA 570-420-8980 411 Main Street -Suite 102 Stroudsburg 18360 CCCS of Northeastern PA 800-922-9537 232 Sunrise Avenue Route 191 Honesdale 18431 The Trehab Center of Northeastern PA 570-253-8941 1225 Main Street Honesdale 18431 Catholic Social Services 570-558-3019 Saint Catherine Manor 5 Knox Road Scranton 18505 Catholic Social Services, Diocese of Scranton 570-207-2283 516 Fig Street Scranton 18505 United Neighborhood Centers of Northeastern PA 570-346-0759 425 Alder Street Scranton 18505 Neighborhood Housing Services of Lackawanna County 570-558-2490 709 E Market Street Scranton 18509 Opportunity, Inc. 570-236-7642 Aharts Plaza/Key Real Estate Route 15 i£ 940 Blakeslee 18610 The Trehab Center of Northeastern PA 570-928-9667 German Street P.O. Box 389 Dushore 18614 American Credit Counseling Institute 888-468-8847 212 Berwick-Hazelton Highway Nescopeck 18635 CCCS of Northeastern PA 570-602-2227 401 Laurel Street Pittston 18640 The Trehab Center of Northeastern PA 570-836-6840 115 SR 92S Tunkhannock 18657 CCCS of Northeastern PA 570-821-0837 77 E Market Street, 7th Floor Wilkes Barre 18701 Commission on Economic Opportunity o Luzerne County 570-826-0510 165 Amber Lane P.O. Box 1127 Wilkes Barre 18703 The Trehab Center of Northeastern PA 570-278-5227 10 Public Avenue Montrose 18801 The Trehab Center of Northeastern PA 570-888-0412 703 S Elmer Avenue Suite M.6 Sayre 18840 Bucks County Housing Group 215-598-3566 2324 2nd Street Pike - Suite 17 Wrightstown 18940 CCCS of Lehigh Valley, A Division of MMI 800-220-2733 127 S 5th Street Quakertown 18951 Credit Counseling Center 215-396-1880 832 2nd Street Pike 18954 American Credit Counseling Institute 215-444-9429 530 W Street Road - Suite 201 Warminster 18974 Opportunity, Inc. 610-660-6687 Two Bala Plaza Suite 300 Philadelphia 19004 CCCS of the Delaware Valley 215-563-5665 1230 New Rogers Road - Suite F1 Bristol 19007 American Red Cross of Chester 610-874-1484 1729 Edgemont Avenue Chester 19013 CCCS of the Delaware Valley 215-566-5335 130 E 7th Street Chester 19013 American Financial Counseling Services 267-228-7903 871 N Easton Road Glenside 19038 CCCS of the Delaware Valley 800-989-2227 261 Old York Road Pavilion Suite 401 Jenkintown 19046 CCCS of the Delaware Valley 215-563-5665 280 N Providence Road Media 19063 Media Fellowship House 610-565-0434 302 S Jackson Media 19063 CCCS of the Delaware Valley 215-566-5335 240 N Bishop Street Springfield 19064 American Credit Alliance 215-295-7195 2 S Delmorr Avenue Morrisville 19067 Advocates for Financial Independence 215-389-2810 202 E Hinkley Avenue Ridley Park 19078 American Credit Counseling Institute 610-971-2210 175 Strafford Avenue - Suite 1 Wayne 19087 Housing Association of Delaware Valley 215-545-6010 1500 Walnut Street Suite 601 Philadelphia 19102 Unemployment Information Center 215-557-0822 112 N Broad Street 11th Floor Philadelphia 19102 CCCS of the Delaware Valley 215-563-5665 1608 Walnut Street 10th Floor Philadelphia 19103 PA Council For Community Advancement 215-567-7803 100 N 17th Street Suite 600 Philadelphia 19103 Philadelphia Council for Community Advancement 215-567-7803 1617 JFK Boulevard - Suite 1550 Philadelphia 19103 Urban League of PA 215-985-3220 1818 Market Street 20th Floor Philadelphia 19103 Intercultural Family Services, Inc. 215-386-1298 4225 Chestnut Street Philadelphia 19104 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT The Partnership CDC 215-662-1612 4027 Market Street Philadelphia 19104 Liberty Resources 215-634-2000 714 Market Street Suite 100 Philadelphia 19106 CCCS of the Delaware Valle 215-563-5665 901 A Wood Street Philadelphia 19107 Philadelphia NHS 215-988-9879 121 N Broad Street #502 Philadelphia 19107 Urban League of PA 215-985-3220 121 S Broad Street 9th Floor Philadelphia 19107 American Financial Counseling Services 267-228-7903 1917 Welsh Road Philadelphia 19115 Mt. Airy, USA 215-844-6021 6703 Germantown Avenue - Suite 200 Philadelphia 19119 Korean Community Development Services Center 215-276-8830 6053-55 N 5th Street Philadelphia 19120 APM 215-235-6788 2147 N 6th Street Philadelphia 19122 Association De Puertorri uenos En Marcha 215-235-6070 600 W Diamond Street Philadelphia 19122 Housing Association of Delaware Valle 215-978-0224 1528 Walnut Street Philadelphia 19123 NACA Philadelphia, PA 215-531-5221 1341 N Delaware Avenue - Suite 312 Philadelphia 19125 New Kensington Community Development Corp. 215-427-0350 2515 Frankford Avenue Philadelphia 19125 Carroll Park Community Council, Inc. 215-877-1157 5218 Master Street Philadelphia 19131 Hispanic Alliance for Community Advancement 215-667-8932 2740 N Front Street Philadelphia 19133 CCCS of the Delaware Valle 800-989-2227 7340 Jackson Street Philadelphia 19136 West Oak Lane Community Development 215-224-0880 7300-02 O ontz Avenue Philadelphia 19138 CCCS of the Delaware Valle 215-566-5335 4400 N Reese Street Philadelphia 19140 Hispanic Association of Contractors and Enterprises 215-426-8025 167 W Allegheny Avenue, Suite 200 Philadelphia 19140 Nueva Es ranza 215-324-0746 4261 N 5th Street Philadelphia 19140 FOB CDC 215-549-8755 1201 W Olney Avenue Philadelphia 19141 Northwest Counseling Service 215-324-7500 5001 N Broad Street Philadelphia 19141 West Oak Lane 215-224-0880 6259 Limekiln Pike Philadelphia 19141 Southwest Community Development Corp. 215-729-0800 6328 Paschall Avenue Philadelphia 19142 Germantown Settlement 215-849-3104 5538 Wayne Avenue Building C Philadelphia 19144 Advocates for Financial Independence 215-389-2810 1806 S Broad Street - Suite 1 B Philadelphia 19145 Es eranza 215-336-3511 1920 S 20th Street Philadelphia 19145 _ South PA H.O.M.E.S. 215-334-4430 1444 Point Breeze Avenue Philadelphia 19146 Universal Companies 215-732-6518 800 S 15th Street Philadelphia 19146 Philadelphia Senior Center 215-546-5879 509 S Broad Street Philadelphia 19147 United Communities Southeast PA 215-467-8700 2029 S 8th Street Philadelphia 19148 American Credit Counseling Institute 888-212-6741 229 E Chestnut Street 1st Floor Coatesville 19320 CCCS of the Delaware Valle 215-563-5665 1001 E Lincoln Highway Suite Coatesville 19320 Housing Partnership of Chester County 610-518-1522 41 W Lancaster Avenue Downingtown 19335 Alliance for Better Housing, Inc. 610-925-1880 648 Buena Vista Drive Kennett Square 19348 American Credit Counseling Institute 888-212-6741 21 S Church Street West Chester 19380 CCCS of the Delaware Valle 800-989-2227 790 E Market Street - Suite 170 West Chester 19382 American Credit Counseling Institute 601-971-2210 526-528 Dekalb Street Norristown 19401 CCCS of the Delaware Valle 215-563-5665 113 E Main Street - 2nd Floor Norristown 19401 Consumer Credit Counseling Service of Delaware 610-272-0578 190 Germantown Pike, Suite 140 Norristown 19401 Genesis Housing Corp. 610-275-4357 208 DeKalb Street P.O. Box 1170 Norristown 19401 American Financial Counseling Services 267-228-7903 405 W Germantown Pike Norristown 19403 CCCS of the Delaware Valle 800-989-2227 1777 Sent Parkway West Blue Bell 19422 American Financial Counseling Services 267-228-7903 2880 Bergey Road - Suite 4 Hatfield 19440 American Credit Counseling Institute 888-212-6741 937 N Hanover Street Pottstown 19460 CCCS of Lehigh Valley, A Division of MMI 800-220-2733 1954 E High Street Pottstown 19464 PA Interfaith Community Programs, Inc. 610-562-2288 22 Willow Road Hamburg 19526 Budget Counseling Center 610-375-7866 247 N 5th Street Reading 19601 Neighborhood Housing Services of Reading, Inc. 610-372-8433 213 N 5th Street - Suite 1030 Reading 19601 American Financial Counseling Services 267-228-7903 906 Penn Avenue Wyomissing 19610 Rev. 10/09 FM646 INTERNET REPRINT REPRESENT NT Chase Home Finance LLC (FL5-7734) CHASE PO BOX 44090 Jacksonville, FL 32231-4090 "7107 8381 6540 5692 8413 March 15, 2011 Return Service Requested STACEY R LATHROP 9 W BEALE AVE ENOLA PA 17025-2806 Your house is your home. We want to keep it that way. We need to talk-call (800) 848-9380 today. You're going through tough times-we can help. In fact, we believe your home loan may be eligible for a loan workout-we may be able to change the terms of your loan, including the interest rate, to reduce the monthly payment to an amount you can afford. Call us today at (800) 848-9380 so we can help you turn things around. We'll discuss your current situation (outlined in the enclosed letter) and the options available to you. But we cannot stress enough that the longer you delay calling us-the fewer chances you may have to keep your home. It will only take a few minutes on the phone-one of our Loan Specialists will work with you to determine the option that best fits your needs. There are several options available--call us now and let's see which one will work best for you. We are committed to working with you to try to find a way to help you keep your home, but you must call us immediately at (800) 848-9380-the longer you delay the fewer options you may have. Collections Department Chase Home Finance LLC (800) 848-9380 (800) 582-0542 TDD / Text Telephone P.S. The enclosed letter outlines your loan status and the consequences that will occur unless we receive the required financial information from you and can approve you for a loan workout. Once you call us with the information needed, then we can work together to determine the option that will work best for you. We cannot guarantee that you will be approved, but your only chance of saving your home is by contacting us immediately. Please don't delay-call us now at (800) 848-9380. FCL MTM INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT Chase Home Finance LLC (FL5-7734) PO BOX 44090 Jacksonville, FL 32231-4090 March 15, 2011 STACEY R LATHROP 9 W BEALE AVE ENOLA PA 17025-2806 Acceleration Warnm (Notice of Intent to Foreclose) Account the "Loan") Property Address: 9W BEALE AVE ENOLA, PA 17025 (the "Property") Dear STACEY R LATHROP: ACT 91 NOTICE CHASE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an of ficial N otice tha t th e mo rtga ge on yo ur ho me is in de fault, a nd the len der intends to for eclose. Specific inf orma tion about th e nat ure o f the d efault is pro vide d in the atta ched pag es. The HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM COUNSELING AGENCY WITHIN THIRTY-THREE (33) 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. INTERNET REPRINT impaired hearing can call [7171780-1869,1 REPRESENTATION OF PRINTED DOCUMENT 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. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS' 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. NUMBER: ORIGINAL LENDER: CURRENT LENDER/SERVICER: JAYSON A BEERS STACEY R LATHROP 9W BEALE AVE ENOLA, PA 17025 CHASE MANHATTAN MORTGAGE CORPORATION Chase Home Finance LLC HOMEOWNERS' 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 HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three [3] days for mailing). During that time, you must arrange and attend a "face-to-face" meeting with one of the Consumer Credit Counseling Agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE P TO DATE, CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the Consumer Credit Counseling Agencies listed at the end of this Notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses, and telephone numbers of designated Consumer Credit Counseling Agencies for the county in which the Property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Program ("HEMAP"). To do so, you must fill out, sign, and file a completed HEMAP Application with one of the designated Consumer Credit Counseling Agencies listed at the end of this Notice. Only Consumer Credit Counseling Agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to the Pennsylvania Housing Finance Agency ("PHFA") and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN THIRTY-THREE (33) DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH THE PHFA WITHIN THIRTY (30) DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE ACTION AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES 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). NATURE OF THE DEFAULT - The mortgage debt held by the above lender on your Property located at: 9W BEALE AVE, ENOLA, PA 17025 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS starting 08/01/2010 through 03/15/2011, and the following amounts are now past due. If you have any questions about the amounts below, please contact us as soon as possible at (800) 848-9380. Total Monthly Payments Past Due: $5,843.80 Late Charges: $116.88 Insufficient Funds (NSF) Fees: $0.00 Other Fees and Advances*: $342.00 Amount Held in Suspense: $0.00 TOTAL AMOUNT DUE TO CURE DEFAULT: $6,302.68 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT *Other Fees and Advances include those amounts allowed by your Note and Security Instrument. If you need additional information regarding any of these amounts, please contact its at the number provided below. 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 $6,302.68, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)-DAY PERIOD. Payments must be made in the form of cash, cashier's check money order. or certified check and sent to: Regular Mail: Chase Home Finance LLC PO BOX 78420 Phoenix, AZ 85062-8420 Overnight Mail: Chase Home Finance LLC Attention PO Box 78420 1820 East Sky Harbor Circle South Phoenix, AZ 85034-9700 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 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 fees actually incurred by the lender even if they exceed $50.00. Any attorney 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 fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30)-DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale You may do so by paying the total amount then spat due, plus any late or other charges then due, reasonable attorney fees and costs connected with the foreclosure sale, and any other costs connected with the Sheriffs Sale as specified in writing by the lender, and by performing any other requirements under the mortgage, Curing your default in the manner set forth in this Notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a sheriffs sale of the mortgaged Property could be held would be approximately five to six (5-6) 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. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT HOW TO CONTACT THE LENDER: Name of Lender: Chase Home Finance LLC Address: Phone Number: Fax Number: Contact Person: E-Mail Address: Mail Code OH4-7356 3415 Vision Drive Columbus, OH 43219-6009 (800) 848-9380 (614) 422-7912 Justin Powell-Wilburn Justin.L.Powell-Wilburn@chase.com EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged Property and your right to occupy it. If you continue to live in the Property after the sheriffs sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may be eligible to 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. To determine eligibility, you must contact our office to verify the assumability of your Property. 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. Sincerely, Collections Department Chase Home Finance LLC (800) 848-9380 (800) 582-0542 TDD / Text Telephone Enclosures 1. Federal Trade Commission Pamphlet 2. HEMAP Consumer Credit Counseling Agencies INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT CERTIFIED MAIL: Return Receipt Requested and First Class Mail An important reminder for all our customers: As stated in the "Questions and Answers for Borrowers about the Homeowner Affordability and Stability Plan" distributed by the Obama Administration, "Borrowers should beware of any organization that attempts to charge a fee for housing counseling or modification of a delinquent loan, especially if they require a fee in advance." Loan modification scams should be reported to PreventLoanScams.org, or by calling (888) 995- HOPE. Chase offers loan modification assistance free of charge (i.e., no modification fee required). Please call us immediately at (800) 848-9380 to discuss your options. The longer you delay the fewer options you may have. Chase Home Finance LLC is a debt collector. BR860 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT HUD COUNSELING AGENCIES - PENNSYLVANIA AGENCIES PHONE ADDRESS CITY ZIP CODE CCCS of Western PA 888-511-2227 524 Franklin Avenue Ali ui a 15001 Housin Opportunities of Beaver County 724-728-7511 320 College Avenue Unit 1 Beaver 15009 Housing Opportunities of Beaver County, Inc. 724-728-7511 282 East End Avenue Beaver 15010 Mon Valle Initiative 412-464-4000 303-305 E 8th Avenue Homestead 15120 CCCS of Western PA 888-511-2227 2403 Sidney Street River Park Commons Pittsburgh 15203 Action-Housin Inc. 412-281-2102 425 6th Avenue - Suite 950 Pittsburgh 15219 Neighborworks Western PA, formerly Neighborhood Housing Services, Inc. 412-281-9773 710 5th Avenue - Suite 1000 Pittsburgh 15219 PA Housin Finance A enc 412-429-2842 2275 Swallow Hill Road Bldg 200 Pittsburgh 15220 Three Rivers Center for Independent Living 412-371-7700 900 Rebecca Avenue Pittsburgh 15221 Fair Housin Partnership of Greater Pittsburgh, Inc. 412-391-2535 2840 Liberty Avenue - Suite 205 Pittsburgh 15222 Urban Lea ue of Greater Pittsburgh 412-227-4163 610 Wood Street Pittsbur h 15222 Garfield Jubilee Associates 412-665-5200 5138 Penn Avenue Pittsburgh 15224 Nazareth Housing Services 412-931-6996 301 Bellevue Road Pittsbur h 15229 CCCS of Western PA 888-511-2227 41 E Chestnut Street Washington 15301 Community Action Southwest 724-255-9550 150 W Beau StreetSuite 304 Washington 15301 Southwestern PA Legal Services Inc 800-846-0871 10 W Cher Avenue Central Office Washington 15301 Southwestern PA Legal Services Inc. 800-846-0871 63 S Washington Street Waynesburg 15370 Fayette County Communi Action Agency 724-437-6050 140 N Beeson Avenue Uniontown 15401 Southwestern PA Legal Services Inc 800-846-0871 132 E Catherine Street Somerset 15501 CCCS of Western PA 888-511-2227 1 North ate Square Greensburg 15601 Westmoreland Community Action 724-834-1260 226 S Maple Avenue Greensburg 15601 Indiana County Community Action Program, Inc. 724-465-2657 827 Water Street P.O. Box 187 Indiana 15701 The NORCAM Group 814-948-4444 4200 Crawford Avenue Suite 200 Northern Cambria 15714 Northern Tier Community Action Corporation 814-486-1161 135 W 4th Street Emporium 15834 CCCS of Western PA 888-511-2227 112 Hollywood Drive - Suite 101 Butler 16001 Housing Authors of Butler County 724-287-6797 114 Wood Drive Butler 16001 Lawrence County Social Services Inc. 724-658-7258 241 W Grant Street P.O. Box 189 New Castle 16103 Shenan o Valle Urban League 724-981-5310 601 Indiana Avenue Farrell 16121 CCCS of the Midwest 800-355-2227 734 Stambaugh Avenue Sharon 16146 Community Action Partnership of Mercer County 724-342-6222 75 S Dock Street Sharon 16146 Armstrong County Community Action Agency 724-548-3405 124 Armsdale Road - Suite 211 Kittanning 16201 CCCS of Western PA 888-511-2227 312 Chestnut Street - Suite 227 Meadville 16335 Center for Family Services Inc. 814-337-8450 213 W Center Street Meadville 16335 Warren Forest Counties EOC 814-726-2400 1209 Pennsylvania Avenue W P.O. Box 547 Warren 16365 Greater Erie Community Action Agency 814-459-4581 18 W 9th Street Erie 16501 Booker T. Washington 814-453-5744 1720 Holland Street Erie 16503 Saint Martin Center Inc. 814-452-6113 1701 Parade Street Erie 16503 Voices for Independence 814-874-0064 1107 Payne Avenue Erie 16503 _ Ba front Nato Inc. 814-459-2761 312 Chestnut Street Erie 16507 CCCS of Western PA 888-511-2227 4402 Peach Street Erie 16509 Blair County Community Action Agency 814-946-3651 2100 6th Avenue - Suite 102 P.O. Box 1833 Altoona 16602 CCCS of Western PA 888-511-2227 917 A Logan Boulevard RoyallRemax Plaza Altoona 16602 CCCS of Northeastern PA 814-238-3668 202 W Hamilton Avenue State College 16801 The Trehab Center of Northeastern PA 570-724-5252 144 E East Avenue Wellsboro 16901 Pennsylvania Housing Finance Agency 717-780-3907 211 N Front Street Harrisburg 17101 CCCS of Western PA 888-511-2227 2000 Lin lestown Road Harrisburg 17110 Fair Housing Council of the Capital Region, Inc. 717-238-9540 2100 N 6th Street Harrisburg 17110 Loveshi Inc. 717-232-2207 2320 N 5th Street Harrisburg 17110 PHFA 717-780-3940 211 N Front Street Harrisbur 17110 Maranatha 717-762-3285 43 Philadel hia Avenue Waynesboro 17268 CCCS of Western PA 888-511-2227 55 Clover Hill Road Dallastown 17313 Adams County Interfaith Housing Authority 717-334-1518 40 E High Street Gettysburg 17325 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT American Red Cross - Hanover Chapter 717-637-3768 529 Carlisle Street Hanover 17331 Housing Alliance of York 717-854-1541 35 S Duke Street York 17401 Opportunity, Inc. 717-424-3645 301 E Market Street York 17403 SACA Development Corp. 717-399-4292 453 S Lime Street Suite B Lancaster 17602 Base, Inc. 717-392-5467 447 S Prince Street Lancaster 17603 Tabor Community Services, Inc. 717-397-5182 308 E Kin Street Lancaster 17608 CCCS of Northeastern PA 570-323-6627 201 Basin Street - Suite 600 Williamsport 17701 Lycoming-Clinton Counties Commission for Community Action 570-326-0587 2138 Lincoln Street P.O. Box 3568 Williamsport 17703 CCCS of Northeastern PA 800-922-9537 217 S Center Street Sunbury 17801 CCCS of Northeastern PA 800-922-9537 702 Sawmill Road Bloomsburg 17815 Schuylkill Community Action 570-622-1995 225 N Centre Street Pottsville 17901 Community Action Committee of Lehigh Valley, Inc. 610-691-5620 1337 E 5th Street Bethlehem 18015 El Shaddai Bethlehem Ministries 610-625-3500 529 E Broad Street Bethlehem 18018 CCCS of Lehigh Valley, A Division of MMI 800-220-2733 306 Spring Garden Street Easton 18042 CCCS of Lehigh Valley, A Division of MMI 800-220-2733 3671 Crescent Court E Whitehall 18052 Alliance for Building Communities 610-439-7007 830 Hamilton Mall Allentown 18101 Neighborhood Housing Services of the Lehigh Valle 610-437-4571 239 N 10th Street Allentown 18102 Catholic Charities Diocese of Allentown 610-435-1541 530 Union Boulevard Allentown 18109 CCCS of Northeastern PA 800-922-9537 81 S Church Street Hazleton 18201 Opportunity, Inc. 570-236-7642 West End Plaza Unit No. 10 Brodheadsville 18322 CCCS of Northeastern PA 570-420-8980 411 Main Street - Suite 102 Stroudsburg 18360 CCCS of Northeastern PA 800-922-9537 232 Sunrise Avenue Route 191 Honesdale 18431 The Trehab Center of Northeastern PA 570-253-8941 1225 Main Street Honesdale 18431 Catholic Social Services 570-558-3019 Saint Catherine Manor 5 Knox Road Scranton 18505 Catholic Social Services, Diocese of Scranton 570-207-2283 516 Fig Street Scranton 18505 United Neighborhood Centers of Northeastern PA 570-346-0759 425 Alder Street Scranton 18505 Neighborhood Housing Services of Lackawanna County Opportunity, Inc. 570-558-2490 570-236-7642 709 E Market Street Aharts Plaza/Key Real Estate Route 15 & 940 Scranton Blakeslee 18509 18610 The Trehab Center of Northeastern PA 570-928-9667 German Street P.O. Box 389 Dushore 18614 American Credit Counseling Institute 888-468-8847 212 Berwick-Hazelton Highway Nescopeck 18635 CCCS of Northeastern PA 570-602-2227 401 Laurel Street Pittston 18640 The Trehab Center of Northeastern PA 570-836-6840 115 SR 92S Tunkhannock 18657 CCCS of Northeastern PA 570-821-0837 77 E Market Street, 7th Floor Wilkes Barre 18701 Commission on Economic Opportunity o uzerne County 570-826-0510 165 Amber Lane P.O. Box 1127 Wilkes Barre 18703 The Trehab Center of Northeastern PA 570-278-5227 10 Public Avenue Montrose 18801 The Trehab Center of Northeastern PA 570-888-0412 703 S Elmer Avenue Suite M.6 Sayre 18840 Bucks County Housing Group 215-598-3566 2324 2nd Street Pike - Suite 17 Wrightstown 18940 CCCS of Lehigh Valley, A Division of MMI 800-220-2733 127 S 5th Street Quakertown 18951 Credit Counseling Center 215-396-1880 832 2nd Street Pike 18954 American Credit Counseling Institute 215-444-9429 530 W Street Road - Suite 201 Warminster 18974 Opportunity, Inc. 610-660-6687 Two Bala Plaza Suite 300 Philadelphia 19004 CCCS of the Delaware Valley 215-563-5665 1230 New Rogers Road - Suite F1 Bristol 19007 American Red Cross of Chester 610-874-1484 1729 Edgemont Avenue Chester 19013 CCCS of the Delaware Valley 215-566-5335 130 E 7th Street Chester 19013 American Financial Counseling Services 267-228-7903 871 N Easton Road Glenside 19038 CCCS of the Delaware Valley 800-989-2227 261 Old York Road Pavilion Suite 401 Jenkintown 19046 CCCS of the Delaware Valley 215-563-5665 280 N Providence Road Media 19063 Media Fellowship House 610-565-0434 302 S Jackson Media 19063 CCCS of the Delaware Valley 215-566-5335 240 N Bishop Street Springfield 19064 American Credit Alliance 215-295-7195 2 S Delmorr Avenue Morrisville 19067 Advocates for Financial Independence 215-389-2810 202 E Hinkley Avenue Ridley Park 19078 American Credit Counseling Institute 610-971-2210 175 Strafford Avenue - Suite 1 Wayne 19087 Housing Association of Delaware Valley 215-545-6010 1500 Walnut Street Suite 601 Philadelphia 19102 Unemployment Information Center 215-557-0822 112 N Broad Street 11th Floor Philadelphia 19102 CCCS of the Delaware Valley 215-563-5665 1608 Walnut Street 10th Floor Philadelphia 19103 PA Council For Community Advancement 215-567-7803 100 N 17th Street Suite 600 Philadelphia 19103 Philadelphia Council for Community Advancement 215-567-7803 1617 JFK Boulevard - Suite 1550 Philadelphia 19103 Urban League of PA 215-985-3220 1818 Market Street 20th Floor Philadelphia 19103 Intercultural Family Services, Inc. 215-386-1298 4225 Chestnut Street Philadelphia 19104 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT The Partnership CDC 215-662-1612 4027 Market Street Philadelphia 19104 Liberty Resources 215-634-2000 714 Market Street Suite 100 Philadelphia 19106 CCCS of the Delaware Valle 215-563-5665 901 A Wood Street Philadelphia 19107 Philadelphia NHS 215-988-9879 121 N Broad Street #502 Philadelphia 19107 Urban League of PA 215-985-3220 121 S Broad Street 9th Floor Philadelphia 19107 American Financial Counseling Services 267-228-7903 1917 Welsh Road Philadelphia 19115 Mt. Airy, USA 215-844-6021 6703 Germantown Avenue - Suite 200 Philadelphia 19119 Korean Community Development Services Center 215-276-8830 6053-55 N 5th Street Philadelphia 19120 APM 215-235-6788 2147 N 6th Street Philadelphia 19122 Association De Puertorri uenos En Marche 215-235-6070 600 W Diamond Street Philadelphia 19122 Housing Association of Delaware Valle 215-978-0224 1528 Walnut Street Philadelphia 19123 NACA Philadelphia, PA 215-531-5221 1341 N Delaware Avenue - Suite 312 Philadelphia 19125 New Kensington Community Development Corp. 215-427-0350 2515 Frankford Avenue Philadelphia 19125 Carroll Park Community Council Inc. 215-877-1157 5218 Master Street Philadelphia 19131 Hispanic Alliance for Community Advancement 215-667-8932 2740 N Front Street Philadelphia 19133 CCCS of the Delaware Valle 800-989-2227 7340 Jackson Street Philadel hia 19136 West Oak Lane Community Development 215-224-0880 7300-02 0 ontz Avenue Philadel hia 19138 CCCS of the Delaware Valve 215-566-5335 4400 N Reese Street Philadel hia 19140 Hispanic Association of Contractors and Enterprises 215-426-8025 167 W Allegheny Avenue, Suite 200 Philadel hia 19140 Nueva Es ranza 215-324-0746 4261 N 5th Street Philadelphia 19140 FOB CDC 215-549-8755 1201 W Olne Avenue Philadelphia 19141 Northwest Counselin Service 215-324-7500 5001 N Broad Street Philadelphia 19141 West Oak Lane 215-224-0880 6259 Limekiln Pike Philadelphia 19141 Southwest Community Development Corp. 215-729-0800 6328 Paschall Avenue Philadelphia 19142 Germantown Settlement 215-849-3104 5538 Wayne Avenue Building C Philadelphia 19144 Advocates for Financial Independence 215-389-2810 1806 S Broad Street - Suite 1 B Philadelphia 19145 Es eranza 215-336-3511 1920 S 20th Street Philadelphia 19145 South PA H.O.M.E.S. 215-334-4430 1444 Point Breeze Avenue Philadelphia 19146 Universal Companies 215-732-6518 800 S 15th Street Philadelphia 19146 Philadelphia Senior Center 215-546-5879 509 S Broad Street Philadelphia 19147 United Communities Southeast PA 215-467-8700 2029 S 8th Street Philadelphia 19148 American Credit Counseling Institute 888-212-6741 229 E Chestnut Street 1st Floor Coatesville 19320 CCCS of the Delaware Valle 215-563-5665 1001 E Lincoln Highway Suite Coatesville 19320 Housing Partnership of Chester County 610-518-1522 41 W Lancaster Avenue Downingtown 19335 Alliance for Better Housing, Inc. 610-925-1880 648 Buena Vista Drive Kennett Square 19348 American Credit Counseling Institute 888-212-6741 21 S Church Street West Chester 19380 CCCS of the Delaware Valle 800-989-2227 790 E Market Street - Suite 170 West Chester 19382 American Credit Counseling Institute 601-971-2210 526-528 Dekalb Street Norristown 19401 CCCS of the Delaware Valle 215-563-5665 113 E Main Street - 2nd Floor Norristown 19401 Consumer Credit Counseling Service of Delaware 610-272-0578 190 Germantown Pike, Suite 140 Norristown 19401 Genesis Housing Corp. 610-275-4357 208 DeKalb Street P.O. Box 1170 Norristown 19401 American Financial Counseling Services 267-228-7903 405 W Germantown Pike Norristown 19403 CCCS of the Delaware Valle 800-989-2227 1777 Sent Parkway West Blue Bell 19422 American Financial Counseling Services 267-228-7903 2880 Bergey Road - Suite 4 Hatfield 19440 American Credit Counseling Institute 888-212-6741 937 N Hanover Street Pottstown 19460 CCCS of Lehigh Valley, A Division of MMI 800-220-2733 1954 E High Street Pottstown 19464 PA Interfaith Community Programs, Inc. 610-562-2288 22 Willow Road Hamburg 19526 Budget Counseling Center 610-375-7866 247 N 5th Street Reading 19601 Neighborhood Housing Services of Reading, Inc. 610-372-8433 213 N 5th Street - Suite 1030 Reading 19601 American Financial Counseling Services 267-228-7903 906 Penn Avenue Wyomissing 19610 Rev. 10/09 FM646 INTERNET REPRINT • VERIFICATION I ,," 4,?VA"n ((I hereby states that he/she is ?Wc 1 tts-4v?t" of JPMorgan Chase Bank, National Association, in this matter and is authorized to make this Verification. The statements of fact contained 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. Sec. 4904 relating to unsworn falsification to authorities. Name: -4oi Mo- 1 DATE: ?J t r Title: ? 'W- pros dd? !- Company: JPMorgan Chase Bank, National Association S&D FILE NO: 11-039782 Jayson A. Beers and Stacey R. Lathrop IA SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor 01 ?ttip at 'o?+t Grrr? FILE01"OFFICE OF' THE PROTHONOTARY 2011 DEC 22 PM 2: 29 CU PENNSYLVANIA COUNTY JP Morgan Chase Bank, NA Case Number vs. Jayson A. Beers (et al.) 2011-8018 SHERIFF'S RETURN OF SERVICE 10/25/2011 06:00 PM - Michelle Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on October 25, 2011 at 1800 hours, she served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Celeste Hamilton, by making known unto herself personally, current Occupant at 9 W. Beale Avenue, Enola, Cumberland County, Pennsylvania 17025 its contents and at the same time handing to her personally the said true and correZHELLE eme. TSHALL,DEPUTY 10/28/2011 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: Jasyon A. Beers, 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 Jayson A. Beers. Request for service at 9 W. Beale Avenue, Enola, Pennsylvania 17025 the Defendant was not found. Jayson A. Beers currently resides at 3 Hazzard Lane, Enola, Pennsylvania 17025. 10/28/2011 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: Stacey R. Lathrop, 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 Stacey R. Lathrop. Request for service at 9 W. Beale Avenue, Enola, Pennsylvania 17025 the Defendant was not found. Jayson A. Beers currently resides at 3 Hazzard Lane, Enola, Pennsylvania 17025. 11/28/2011 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that on November 28, 2011 at 1505 hours, he was unable to serve a true copy of the within Complaint In Mortgage Foreclosure, upon the within named defendant, to wit: Stacey R. Lathrop. After several attempts The Complaint and Notice has expired. 11/28/2011 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that on November 28, 2011 at 1505 hours, he was unable to serve a true copy of the within Complaint In Mortgage Foreclosure, upon the within named defendant, to wit: Jayson A. Beers. After several attempts The Complaint and Notice has expired. SHERIFF COST: $177.00 December 15, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF (C)CouniySutte ShenYP, ieleosutt_ Inc. SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-039782 JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation PLAINTIFF VS. Jayson A. Beers and Stacey R. Lathrop DEFENDANTS ti -- C.- ZC Cz f\.) COURT OF COMMON PLEA CIVIL DIVISION CUMBERLAND COUNTY NO: //- 8018 Civi '! Terrr PRAECIPE FOR REINSTATEMENT TO THE PROTHONOTARY: Kindly reinstate the Complaint in the above-captioned matter. SHAPIRO & DeNARDO, LLC BY: Christopher A. DeNardo, Esquire Attorney for Plaintiff s ?l'75 PD ATTV &_%047 P'* a&g 8ia SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson r - ' Sheriff : ????}} ??yydC?y Jody S Smith ? Chief Deputy -I PH 12 FEB Richard W Stewart Solicitor .tM8RL COUNTY PENNSY?Q JP Morgan Chase Bank, NA vs. Jayson A. Beers (et al.) Case Number 2011-8018 SHERIFF'S RETURN OF SERVICE 01/20/2012 04:08 PM - Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on January 20, 2012 at 1608 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Stacey R. Lathrop now known as Stacey R. Lewis, by making known unto Donald Lewis, Husband of Defendant at 61 Queen Avenue, Enola, Cumberland County, Pennsylvania 17025 its contents and at the same time handing to her personally the said true and correct copy of the same. RYAN BURGETT, D TY 01/27/2012 08:45 AM - Jason Vioral, Sergeant, who being duly sworn according to law, states that on January 27, 2012 at 0845 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Jayson A. Beers, by making known unto himself personally, at The Cumberland County Sheriffs Office, 1 Courthouse Square, Room 303, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to him personally the said true and correct copy of the same. JASO IOR , DEPUTY SHERIFF COST: $74.00 January 27, 2012 SO EWERS, RON R ANDERSON, SHERIFF rrj Lour SuitF Shw 't f eeosd' li SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-039782 JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation PLAINTIFF VS. Jayson A. Beers and Stacey R. Lathrop DEFENDANTS t) HONCT1?? ,t "r?NNSYLVANIA?T; COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:2011-8018 PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES Enter Judgment IN REM in the amount of $97,011.44 in favor of the Plaintiff and against the Defendants, jointly and severally, for failure to file an answer to Plaintiffs Complaint in Mortgage Foreclosure within 20 days from service thereof and assess Plaintiffs damages as follows and calculated as stated in the Complaint: Principal of Mortgage Debt Due and Unpaid $82,387.18 Interest through March 31, 2012 $8,290.17 Late Charges $204.54 Escrow Advances $3,993.80 Property Inspection $324.00 Property Preservation $56.00 Prev Bankruptcy Fees/Cost $150.00 Attorney Fees & Costs of Foreclosure $1,605.75 TOTAL $97,011.44 BY. Christopher A. DeNardo, Esquire Attorney for Plaintiff AND NOW, judgment is entered in favor of the Plaintiff anains e D ants and damages are assessed as above in the sum of $97,011.44. Pr Pro .b 11-039782 cxv?A % 14. SOpd a J ? a7S' i??,? o mai t&4 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-039782 JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation JPMorgan Chase Bank, National Association 7255 Bay Meadows Way COURT OF COMMON PLEAS CUMBERLAND COUNTY 2011-8018 Jacksonville, FL 32256 PLAINTIFF VS. Jayson A. Beers and Stacey R. Lathrop DEFENDANT(S) STATE OF: Pennsylvania COUNTY OF: Montgomery AFFIDAVIT OF NON-MILITARY SERVICE THE UNDERSIGNED being duly sworn, states that he/she is over the age of eighteen years and competent to make this affidavit and the following averments are based upon information contained in the records of the Plaintiff or servicing agent of the Plaintiff and that the above captioned Defendants last known address is as set forth in the caption and they are not to the best of our knowledge, information or belief, in the Military or Naval Service of the United States of America or its Allies as defined in the Soldiers and Sailors Civil Relief Act of 1940, as amended. SHAPIRO & DENARDO, LLC By: Christopher A. DeNardo, Esquire Sworn to and subscrib-A before/ine this " Oa day 012. Public COMMONWEALTH OF PENNSYLVANIA Notarial Seal Andrea Madden, Notary Public Upper Merlon Twp., Montgomery County j i My Commission Expires June 19, 2012 J Member, Pennsylvania Association of Notaries SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I. D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-039782 JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 2011-8018 VS. Jayson A. Beers and Stacey R. Lathrop DEFENDANTS CERTIFICATION OF MAILING NOTICE UNDER RULE 237.1 The undersigned hereby certifies that a Written Notice of Intention to File a Praecipe for the Entry of Default Judgment was mailed to the defendant (s) and to his, her, their attorney of record, if any, after the default occurred and at least (10) days prior to the date of the filing of the Praecipe. Said Notice was sent on the date set forth in the copy of said Notice attached hereto, February 17, 2012 to the following Defendants: Jayson A. Beers, 3 Hazzard Lane, Enola, PA 17025 Stacey R. Lathrop, 61 Queen Avenue, Enola, PA 17025 _ J arkey, Legal Assistant to Christopher A. DeNardo, Esquire for Shapiro & DeNardo, LLC SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I. D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-039782 JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 2011-8018 VS. Jayson A. Beers and Stacey R. Lathrop DEFENDANTS NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. 237.1 EWPORTANT NOTICE TO: Jayson A. Beers DATE OF NOTICE: February 17, 2012 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTIFICACION EWPORTANTE Usted se encuentra en estado de rebeldia por no haber tomado la accion requirida de su parte en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dias de la fecha de esta notificacion, el tribuna podra, sin necesidad de compararecer usted in corte o escuchar preuba alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos importantes. Debe llevar esta notificacion a un abogado immediatamente. Si usted no tiene abogado o si no tiene dinero suficiente para tal servicio, vaya en persona o flame por telefono a la oficina cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Jayson A. Beers, 3 Hazzard Lane, Enola, PA 17025 Stacey R. Lathrop, 61 Queen Avenue, Enola, PA 17025 Cl opher A. DeNardo, Esquire Shapiro & DeNardo, LLC Attorney for Plaintiff SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-039782 JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 2011-8018 VS. Jayson A. Beers and Stacey R. Lathrop DEFENDANTS NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. 237.1 IMPORTANT NOTICE TO: Stacey R. Lathrop DATE OF NOTICE: February 17, 2012 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTMCACION EUPORTANTE Usted se encuentra en estado de rebeldia por no haber tomado la accion requirida de su parte en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dias de la fecha de esta notificacion, el tribuna podra, sin necesidad de compararecer usted in corte o escuchar preuba alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos importantes. Debe llevar esta notificacion a un abogado immediatamente. Si usted no tiene abogado o si no tiene dinero suficiente para tal servicio, vaya en persona o llame por telefono a la oficina cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Jayson A. Beers, 3 Hazzard Lane, Enola, PA 17025 Stacey R. Lathrop, 61 Queen Avenue, Enola, PA 17025 Christopher A. DeNardo, Esquire Shapiro & DeNardo, LLC Attorney for Plaintiff SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-039782 JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation PLAINTIFF VS. Jayson A. Beers and Stacey R. Lathrop DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:2011-8018 CERTIFICATE OF SERVICE I, Christopher A. DeNardo, Esquire, Attorney for the Plaintiff, hereby certify that I have served by first class mail, postage prepaid, true and correct copies of the attached papers upon the following person(s) or their attorney of record: Jayson A. Beers, 3 Hazzard Lane, Enola, PA 17025 Stacey R. Lathrop, 61 Queen Avenue, Enola, PA 17025 Date Mailed: q',3- ) q SHAPIRO & DeNARDO, LLC BY: Christopher A. DeNardo, Esquire Attorney for Plaintiff SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-039782 JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation PLAINTIFF VS. Jayson A. Beers and Stacey R. Lathrop DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:2011-8018 CERTIFICATION OF ADDRESS I hereby certify that the correct address of the judgment creditor (Plaintiff) is: JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation 7255 Bay Meadows Way Jacksonville, FL 32256 and that the last known addresses of the judgment debtors (Defendants) are: Jayson A. Beers 3 Hazzard Lane Enola, PA 17025 Stacey R. Lathrop 61 Queen Avenue Enola, PA 17025 SHAPIRO & DeNARDO, LLC BY: Christopher A. DeNardo, Esquire Attorney for Plaintiff 11-039782 OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Clerk Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 Curtis R. Long Prothonotary TO: Jayson A. Beers 3 Hazzard Lane Enola, PA 17025 JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation PLAINTIFF VS. Jayson A. Beers and Stacey R. Lathrop DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 2011-8018 NOTICE Pursuant to Rule 236 of the Supreme Court of 2proc you are hereby notified thake Judgment has been entered against you in the ing 'nd a below. WOW [XX] Judgment by Default [ ] Judgment for Possession [ ) Judgment on Award of Arbitration [ ] Judgment on Verdict [ ] Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY CHRISTOPHER A. DENARDO, ESQUIRE AT (610)278-6800. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO. 11-8018 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO CHASE HOME FINANCE LLC SUCCESSOR BY MERGER TO CHASE MANHATTAN MORTGAGE CORPORATION, Plaintiff (s) From JAYSON A. BEERS AND STACEY R. LATHROP (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof, (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due: $97,011.44 L.L.: $.50 Interest APRIL 1, 2012 TO SEPTEMBER 5, 2012 IS $2,414.71 Arty's Comm: % Due Prothy: $2.25 Arty Paid: $402.25 Plaintiff Paid: Date: 4/4/12 Other Costs: David D. Bue , rothonotary (Seal) REQUESTING PARTY: Name: CHRISTOPHER A. DENARDO, ESQUIRE Address: SHAPIRO & DENARDO, LLC 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 Attorney fir: PLAINTIFF Telephone: 610-278-6800 By: Deputy Supreme Court ID No. 78447 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION Caption: () Confessed Judgment () Other n / JPMorgan Chase Bank, National Association File No. -- successor by merger to Chase Home Finance Amount Due $97,011.44 LLC successor by merger to Chase Interest April 1, 2012 to September 5, 2012 Manhattan Mortgage Corporation is $2,414.71 PLAINTIFF Atty's Comm Costs vs. Jayson A. Beers and Stacey R. Lathrop DEFENDANT(S) CD , TO THE PROTHONOTARY OF THE SAID COURT: .w z The undersigned hereby certifies that the below does not arise out of a retail instalInW- ? cd act, or account based on a confession of judgment, but if it does, it is based on the appropriate original pfgcee ng filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as ameiidecP Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon the following described property of the defendant(s) See attached Legal Description PRAECIPE FOR ATTACHEMENT EXECUTION Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s). (Indicate) Index this writ against the garnishee(s) as a lis pendens against real estate of the defendant(s) described in the attached exhibit. Date: L4-3-) 6 ?a ?.sd ?y. bU tit, 90.0o ua 111. 15` W501,11 1.50 %. aa.a.5 Pd Signature: Print Name: Christopher A. DeNardo, Esquire Address: 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 Attorney for: Plaintiff Supreme Court ID # PA Bar # 78447 C?? 31?Gs?9 (1Jr?+ o? e ?,.Tssued Tract 1: ALL THAT CERTAIN lot of ground situate in the Township of East Pennsboro, County of Cumberland and State of Pennsylvania, being more particularly bounded and described as follows: BEGINNING at a point on the north side of West Beale Avenue (formerly Roebuck Street), at the southeastern corner of Lot No. 42 on the hereinafter mentioned plan of lots; thence westwardly along said West Beale Avenue 25 feet to Lot No. 43; thence in a northwardly direction 150 feet along Lot No. 43 to Colvert Street; thence in an easterly direction along Colvert (also referred to as Covert) Street 25 feet to Lot No. 41; thence in a southerly direction along Lot No. 41, 150 feet to a point, the place of BEGINNING. BEING Lot No. 42 on the addition to plan of lots laid out by John Q. Addams as recorded in Plan Book 1, Page 17, Cumberland County Records. HAVING thereon erected a dwelling house known and numbered as 9 West Beale Avenue, Enola, Pennsylvania. Tract 2: ALL THAT CERTAIN lot or tract of ground situate in the Township of East Pennsboro, County of Cumberland and State of Pennsylvania, more particularly bounded and described as follows: BEGINNING at a point on the north side of Roebuck Street, at the line of lands now or late of Mary E. Troutman, being known as Lot No. 42 on the hereinafter mentioned Plan of Lots; thence in a northerly direction along the westerly line of Lot No. 42 on said Plan 150 feet to a point on the southerly line of Covert Street; thence in a westerly direction along Covert (also referred to as Calvert) Street 12.5 feet to a point; thence in a southerly direction along the line of land now or formerly of Nellie E. Troutman 150 feet to a point on the northerly line of Roebuck Street; thence along Roebuck Street in an easterly direction 12.5 feet to the place of BEGINNING. BEING the easterly one-half of Lot No. 43 on the Plan of Lots laid out by Pyne and Addams, said Plan being recorded in the Office of the Recorder of Deeds in andfor said County of- Cumberland in Plan Book 1, Page 17. PARCEL No. 09-15-1291-274 BEING the same premises which Ronald J. Oldt and Rebecca L. Oldt, husband and wife, by Deed dated May 25, 2001 and recorded in the Cumberland County Recorder of Deeds Office on May 29, 2001 in Deed Book 245, page 393, granted and conveyed unto Jayson A. Beers, single man and Stacey R. Lathrop, single woman. SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-039782 JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation PLAINTIFF VS. Jayson A. Beers and Stacey R. Lathrop DEFENDANTS 2112 APR -4 Ales 10: L0 CUMBERLAND COUNTY PENN COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 2011-8018 AFFIDAVIT PURSUANT TO RULE 3129.1 JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 9 West Beale Avenue, Enola, PA 17025. Name and address of Owner(s) or Reputed Owner(s) 2 3 Jayson A. Beers 3 Hazzard Lane Enola, PA 17025 Stacey R. Lathrop 61 Queen Avenue Enola, PA 17025 Name and address of Defendants in the judgment: Jayson A. Beers 3 Hazzard Lane Enola, PA 17025 Stacey R. Lathrop 61 Queen Avenue Enola, PA 17025 Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation 7255 Bay Meadows Way Jacksonville, FL 32256 4. Name and address of the last recorded holder of every mortgage of record: JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation, Plaintiff 7255 Bay Meadows Way Jacksonville, FL 32256 Citifinancial Mortgage Corp. Inc. 4050 Regent Blvd. Irving, TX 75063 Name and address of every other person who has any record lien on the property: PA Department of Revenue Bureau of Compliance P.O. Box 281230 Harrisburg, PA 17128-1230 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 9 West Beale Avenue Enola, PA 17025 Celeste Hamilton 9 West Beale Avenue Enola, PA 17025 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. SHAAPIRO & DeNARDO, LLC BY: 6CC Christopher A. DeNardo, Esquire 11-039782 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-039782 r t' i0T1'iC?NOT'? `; C r Ou ,a 2 JR R 10" GU ? C(!iy9?StftL?O COllNTV' {'C N SYLVANIA JPMorgan Chase Bank, National Association COURT OF COMMON PLEAS successor by merger to Chase Home Finance CIVIL DIVISION LLC successor by merger to Chase CUMBERLAND COUNTY Manhattan Mortgage Corporation PLAINTIFF NO: 2011-8018 VS. Jayson A. Beers and Stacey R. Lathrop DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Jay son A. Beers 3 Hazzard Lane Enola, PA 17025 Your house (real estate) at: 9 West Beale Avenue, Enola, PA 17025 09-15-1291-274 is scheduled to be sold at Sheriffs Sale on September 5, 2012 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00AM to enforce the court judgment of $97,011.44 obtained by JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorney's fees due. To find out how much you must pay, you may call: (610)278-6800. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610)278-6800. 6. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 9. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 10. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 11-039782 Tract 1: ALL THAT CERTAIN lot of ground situate in the Township of East Pennsboro, County of Cumberland and State of Pennsylvania, being more particularly bounded and described as follows: BEGINNING at a point on the north side of West Beale Avenue (formerly Roebuck Street), at the southeastern corner of Lot No. 42 on the hereinafter mentioned plan of lots; thence westwardly along said West Beale Avenue 25 feet to Lot No. 43; thence in a northwardly direction 150 feet along Lot No. 43 to Colvert Street; thence in an easterly direction along Colvert (also referred to as Covert) Street 25 feet to Lot No. 41; thence in a southerly direction along Lot No. 41, 150 feet to a point, the place of BEGINNING. BEING Lot No. 42 on the addition to plan of lots laid out by John Q. Addams as recorded in Plan Book 1, Page 17, Cumberland County Records. HAVING thereon erected a dwelling house known and numbered as 9 West Beale Avenue, Enola, Pennsylvania. Tract 2: ALL THAT CERTAIN lot or tract of ground situate in the Township of East Pennsboro, County of Cumberland and State of Pennsylvania, more particularly bounded and described as follows: BEGINNING at a point on the north side of Roebuck Street, at the line of lands now or late of Mary E. Troutman, being known as Lot No. 42 on the hereinafter mentioned Plan of Lots; thence in a northerly direction along the westerly line of Lot No. 42 on said Plan 150 feet to a point on the southerly line of Covert Street; thence in a westerly direction along Covert (also referred to as Calvert) Street 12.5 feet to a point; thence in a southerly direction along the line of land now or formerly of Nellie E. Troutman 150 feet to a point on the northerly line of Roebuck Street; thence along Roebuck Street in an easterly direction 12.5 feet to the place of BEGINNING. BEING the easterly one-half of Lot No. 43 on the Plan of Lots laid out by Pyne and Addams, said Plan being recorded in the Office of the Recorder of Deeds in andfor said County of- Cumberland in Plan Book 1, Page 17. PARCEL No. 09-15-1291-274 BEING the same premises which Ronald J. Oldt and Rebecca L. Oldt, husband and wife, by Deed dated May 25, 2001 and recorded in the Cumberland County Recorder of Deeds Office on May 29, 2001 in Deed Book 245, page 393, granted and conveyed unto Jayson A. Beers, single man and Stacey R. Lathrop, single woman. SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-039782 JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance ; LLC successor by merger to Chase Manhattan Mortgage Corporation ; PLAINTIFF VS. Jayson A. Beers and Stacey R. Lathrop ; DEFENDANTS c"} ~~ ~-r~ C;O ('7'I ~'? ~ r... ~ ~, r--- ~ `~: c-; ~~w .~.~ COURT OF COMMON I'L,EAS CIVIL DIVISION ', CUMBERLAND COUN'~Y N0:2011-8018 CERTIFICATION OF NOTICE TO LIENHOLDERS' PURSUANT TO PA R.C.P 3129.2 (C) (21 I, Meghan Williams, Legal Assistant for Shapiro & DeNardo, LLI Plaintiff, JPMorgan Chase Bank, National Association successor by merl Finance LLC successor by merger to Chase Manhattan Mortgage Corpora that Notice of Sale was served on all persons appearing on Exhibit "A" United States mail, first class, postage prepaid, with Certificates of Mailing the originals of which are attached and that each of said persons appears on r.a ~:.:_s rv .~• rn _~ ~~ ~•~ ~"~'Y ~.~ ~~: -~;- ~~~ -~: c:J .r ':',5 attorneys for e to Chase Ho e n, hereby c fY ached hereto, y Awgust 3, 20 2, pursuant to Pa. R.C.P. 3129.1. The undersigned understands that the statements herein are subjel~t to the provided by 18 P.S. Section 4904. Respectfully submitted, ', SHAPIRO & DeNARDO,~ LLC G'~~~~' BY: Meghan Williams Legal Assistant ', 11-039782 ~~ ~ LL ' ~ N YLL Q N:_, ~ O. o _--• ; Sui u ~iaad N. ,,~ not uu~uo~ an~l~u~t$ 1 i .d ~ 0 ~i ~ ~ ~ f .~ ~~ o•-~._ o n- N O C ~- NOO ~ y _ t io > ~ 7p f L u ~ a 7f V ; ._ a ~ " ~ €' ~~~~~~ „t _" aa ~ 0 ~ ~~£w ~` S~O ~ ~ ~ O g W a°. d ~ ~ v .Q ~ V U 8 ac m ~ ~ °' N ~ y W U R" ~ c .~ g_1 L ~ C ~ ~ y N ~ ~ 07 Q pip ~ y C~ ~ 7 y ~ J N ~ 41 ~ ~'~s .~ ~~ E z ld ~'~ ~n ~ ~ ~ a a ~ i ~ ~o ~~~ ~¢o sao ~ ~NQ E 0 ~ 4 ;~ c~ ~ "~ ~~ ~~°Oa ~~ ~ x o o c ~ dH °' d i_ c . $ a a a v ~ L U U=U U°v ~ F-a~W Uo~W amax ~ ~~ o ~a E `° ~~ E ~ o~ ~ U ~ Z ~ ~ y ~ ~N Cz ~ ld y N ~ ~ LFF III .g~.~o~ M q G E~+ "fix=o _ _~ ~ •~ ~ ~ ~_ 2 ~ M Cn r~G CV f~> of ~ fG f~ CO ~ W a w Q c a '-o a m o` Y d a 0 V w O a g N LL N a ~ . ~ LL 1 ~j -LL fah~l O ~ O Q~ O yy ~ N CO •' / N I ~ 1 O `7~/ W ~ i Q' ~ ~ ~ ~]~ ~ I ~ a ~ N Q ~~ O v ~~ 5 c> p~ N ~ > _ ~ ~i' a~ ~~ _ r ~U ~~~ a'° a X ~~ o 91 .,. d li Q .~,.. ~~ ~ ..~ o, .,~ ~ m a m c :C . . ~~ ~ ~~~V a ~„ N tl 0.'~~f~ +~. A ^~~^ ~` o U . p nS' .' 4 ~ a a ~ ~ N a ~ ~ V~ E m ~,dM a ~~ 3 F y .~ O ~ ~ ~ ~ 2 ~ _ U h r_ ~ ~ v ~¢ ' n ~O'C ~ ~ ~A^ ~i UV c ~ ~ pd O Q o . ... L U UUU Wrnw ~ m Z ~ V1 ..~ p' p ~ ¢ '° = a Q ~zo ~~ a~ S y r ~ ~ ~~ oo '° Q~~ o 4 .~ ~ ~ ~~ .~ c ios~o o. ZV7m~~ (V I CM I et ~ ~ I tp 11~ I a0 C O C E M ~i Q v ,~ a ~' N C a c 'o a m 0 Y C •O. F d E 0 U o O a m .~ a N R S N N 3 N LL ~ I~ d~ y M a IlL .J ~ a SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-039782 JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation PLAINTIFF ; VS. Jayson A. Beers and Stacey R. Lathrop DEFENDANTS ~ ,~~ -~-~ __ ~ ~~ ~, . ~~~~= rn ~' , -- ~ ~ ; ~ .. =- s--a R.. ~~ COURT OF COMMON 1~,LEAS CIVIL DIVISION CUMBERLAND COUN'~Y NO: 2011-8018 JPMorgan Chase Bank, National Association successor by merger to G~ase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporations Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution w' filed, the following information concerning the real property located at 9 West Beale A enu~, Enola, P 17025. 1. Name and address of Owner(s) or Reputed Owner(s) Jayson A. Beers 3 Hazzard Lane Enola, PA 17025 Stacey R. Lathrop 61 Queen Avenue Enola, PA 17025 2. Name and address of Defendants in the judgment: Jayson A. Beers 3 Hazzard Lane Enola, PA 17025 Stacey R. Lathrop 61 Queen Avenue Enola, PA 17025 3. Name and last known address of every judgment creditor whose judgment is a record li on the real property to be sold: JPMorgan Chase Bank, National Association successor by merger to Case Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation 7255 Bay Meadows Way Jacksonville, FL 32256 j Cumberland County Adult Probation 1 Courthouse Squaze Cazlisle, PA 17013-3387 4. Name and address of the last recorded holder of every mortgage of recd~d: JPMorgan Chase Bank, National Association successor by merger to Case 1Llome Finance LLC successor by merger to Chase Manhattan Mortgage Corp~lration 7255 Bay Meadows Way Jacksonville, FL 32256 Citifinancial Mortgage Corp. Inc. 4050 Regent Blvd. Irving, TX 75063 5. Name and address of every other person who has any record lien on th~!prop~erty: East Pennsboro Township 98 S. Enola Drive Enola, PA 17025 PA Department of Revenue Bureau of Compliance P.O. Box 281230 Harrisburg, PA 17128-1230 6. Name and address of every other person who has any record interest in'~the property and whose interest may be affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Cazlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knoledgie who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 9 West Beale Avenue Enola, PA 17025 Celeste Hamilton 9 West Beale Avenue Enola, PA 17025 I verify that the statements made in this affidavit are true and correct to the best of y personal knowledge or information and belief. I understand that false statements herein e made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsv~orn falsification to authorities. SHAPIRO & DeNARDO, LLC BY: Christopher A. DeNardo, Esquire 11-039782 SHERIFF'S OFFICE OF CUMBERLAN[) COUNTY Ronny R Anderson Sheriff f. ~,{ 4. Jody S Srnith Chief Deputy Richard W Stewart Solicitor JP Morgan Chase Bank, NA vs. Jayson A. Beers (et al ) ~~ ~~T 22 PN ~?~ ;'; ~A~7 r Case Number 2011-8018 SHERIFF'S RETURN OF SERVICE 06/18/2012 10:55 AM -Deputy Amanda Cobaugh, being duly sworn according to law, states service was performed by posting a true copy of the requested Real Estate Writ, Notice and Description, in the above titled action, upon the property located at 9 West Beale Avenue, East Pennsboro Township, Er~ola: PA 17025, Cumberland Coun~y. 06/20/2012 12:54 PM -Deputy Michelle Gutshall, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making (known its contents and at the same time personally handing a true copy to a person representing themselves to be the Defendant, to wit: Jayson A. Beers at 101 N. ENOLA RD, East Pennsboro Township, Enola, PA 17025, Cumberland County 07/06!2012 Ronny R. Andreson, Sheriff, being duly sworn according to law, states that he made a diligent search and inquiry for the within named Defendant, to wit: Stacey R. Lathrop, but was unable to locate the Defendant i;~ his bailiwick. He therefore returns the within Real Estate Writ, Notice and Description, ire the above titled action, as "Not Found" at 61 Queen Avenue, Enola, PA 17025, defendant left at forn~~arding at the post office of: 31 Brentwood Road, Camp Hill, PA 17011. 07!16/2012 07:59 PM -Deputy Dennis Fry, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to bE: the Defendant, to wit: Stacey R Lathrop at 31 Brentwood Road, Camp Hill, PA 17011, Cumberland County. 09/06/2012 Ronn}~ R Anderson, Sheriff, being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue ar outcry at the Cumberland County Courthouse, Carlisle, PA on September 5, 2012 at 10:00 a.m. He soled the same for the sum of $1.00 to Attorney Christopher Denardo, on behalf of JPMorgan Chase Bank, National Association as Successor by Merger to Chase Home Finance LLC, Successor by Merger to Chase Manhattan Mortgage Corporation, being the buyer in this execution, paid to the Sheriff the surn of $ SHERIFF COST: $1,'197.31 SO ANSWERS, j October 22, 2012 RONN~' R ANDERSON, SHERIFF ~. ~~ ~10~ - ~-r%~- . ~;r ~ ~d" ~~ ~~~~ •' ~~ SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY LD. NO: PA Bar # 78447 3600 HORIZON L)RIVE, SUITE 150 KIND OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-039782 JPMorgan Chase Bank, National Association ~ COURT OF COMMON PLE;~~S successor by merger to Chase Home Finance CIVIL DIVISION LLC successor by :merger to Chase ~ CUMBERLAND COUNTY Manhattan Mortgage Corporation PLAINTIFF NO: 2011-8018 VS. ; Jayson A. Beers and Stacey R. Lathrop DEFENDANTS AFFIDAVIT PURSUANT T'O RULE 31:29.1 JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of exf;cution was filed, the following information concerning the real property located at 9 West Beale Avenue, Enola, PA 17025. Name and address of Owner(s) or Reputed Owner(s) Jayson A. Beers 3 ;Hazzard Lane Enola, PA 17025 Stacey R. Lathrop 61 Queen Avenue Enola, PA 17025 2. Name and address of Defendants in the judgment: Jayson A. Beers 3 Hazzard Lane Enola, PA 17(125 Stacey R. Lathrop 61 Queen Avenue Enola, PA 17025 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: a JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation 7255 Bay Meadows Way Jacksonville, FL 32256 4. Name and address of the last recorded holder of every mortgage of record: JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC successor by merger to Chase Manhattan Mortgage Corporation, Plaintiff 7255 Bay Meadows Way Jacksonville, FL 32256 Citifinancial Mortgage Corp. Inc. 4050 Regent Blvd. Irving, TX 75063 5. Name and address of every other person who has any record lien on the property: PA Department of Revenue Bureau of Compliance P.O. Box 281:?30 Harrisburg, PA 17128-1230 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 1'7013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 9 West Beale Avenue Enola, PA 17025 Celeste Hamill:on 9 V'Jest Beale Avenue Enola, PA 17025 I verify that the statements made in this affidavit are true and correct to ~t.he best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. SHAPIRO & DeNARDO, LLC BY: Christopher A. DeNardo, Esquire 11-09782 SHAPIRO & DeNA1::D0, LLC BY: CHR.ISTOPHEF: A. DeNARDO, ESQUIRE ATTORNEY LD. NO: PA Bar # 78447 3600 HORIZON DR[VE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 11-039782 JPMorgan Chase Bank, National Association COUK"1' Ur e:uwtMUiv ri~~,~a,~ successor by merger to Chase Home Finance ~ CIVIL DIVISION LLC successor by merger to Chase CUMBERLANI) COUNTY Manhattan Mortgage Corporation PLAINTIFF ~ NC-: 2011-8018 VS. Jayson A. Beers and Stacey R. Lathrop DEFENDANTS ; NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Jayson A. Beers 3 Hazzard Lane Enola, PA 17025 Your house (real estate) at: 9 West Beale Avenue, Enola, PA 1702: 09-15-1291-274 is scheduled to be sold at Sheriffs Sale on September 5, 2012 at: Cumberland County Sheriff s Office 1 Courthouse; Square Carlisle, PA 17013 at 10:00AM to enforce the court judgment of $97,011.44 obtained by JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance L,LC successor by merger to Chase Manhattan Mortgage Corporation against you. NOTICE OF OWNER"S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff s Sale you must take immediate action: 1. The sale will. be cancelled if you pay back to JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LL.C successor by merger to Chase Manhattan Mortgage Corporation the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorney's fees due. To find out how much you must pay, you may call: (610)278-6800. 2. You may be able to stop the sale by filing a petition asking tlhe Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the (~'ourt to postpone they sale for good cause. 3. You may be able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. 'The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an ata:orney.) YOU MAY STILL BE ABLE TO SAVE YOLfR PROPERTY AND YOCJ HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610)278-6800. 6. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 7. The sale will go through only if the buyer pays the Sheriff the: full amount due in the sale. To find out if'this has happened you may call 717-240-6390. 8. If'the amount. due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 9. You. have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings t:o evict you. 10. You may be entitled to a share of the money, which was paid for your house. .A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 11. Yau may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. ~'OU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU L)O NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 171)13 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES AC"T YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT' PURPOSE. 11-03978? Tract l: ^.LL THA"I' CERTAIN lot of ground situate in the Township of East Pennsboro, C~~unty of Cumberland and State of Pennsylvania, being more particularly bounded and described as follows: BEGINNING at a point on the north side of West Beale; Avenue (formmerly Roebuck Street), at the southeastern corner of Lot No. 42 on the hereinafter mentioned p an of lots; thence. westwardly along said West Beale Avenue 2S feet to Lot No. 43; thence in a northevardly direction 1 SO feet along Lot No. 43 to Colvert Street; thence in an easterly direction along Colvert (also referred to as Covert) Street 25 feet to Lot: No. 41; thence in a southerly direction along Lot No. 41, 1 SO feet to a point, the place of BEGINNING. BEING Lot No. 42 on the addition to plan of lots laid out by John Q. Addams as recorded in Plan Book 1, Page 17, Cumberland County Records. HAVING thereon erected a dwelling house known and numbered as 9 West Beale Avenue, Enola, Pennsylvania.. Tract 2: ALL THAT CERTAIN lot or tract of ground situate in the Township of East Pennsboro, County of Cumberland and State of Pennsylvania, more particularly bounded and described as follows: BEGINNING at a point on the north side of Roebuck Street, at the line of lands now or Iate of Mary E. Troutman, being known as Lot No. 42 on the hereinafter mentioned Plan of Lots; thence in a northerly direction along the westerly line of Lot 1\fo. 42 on said Plan 1 SO feet to a point on the southerly line of Covert Street; thence in a westerly direction along Covert (also referred to as Calvert) Street 12.5 feet to a point; thence in a southerly direction along the line of land now or formerly of Nellie E. Troutman 1 SO feet to a point on the northerly line of Roebuck Street; thence along Roebuck Street in an easterly direction 12..5 feet to the place of BEGINNING. BEING t:he easterly one-half of Lot No. 43 on the Plan of Lots laid out by Pyne and Addams, said Plan being recorded in the Office of the Recorder of Deeds in andfor said County of- Cumberland in Plan Book 1, Page 17. PARCEL No. 09-15-1291-274 BEING the same premises which Ronald J. Oldt and Rebecca L. Oldt, husband and wife, by Deed dated May 2S, 2001 and recorded in the Cumberland County Recorder of Deeds Office on May 29, 2001 in Deed Book 245, page 393, granted anal conveyed u~~nto Jayson A. Beers, single man and Stacey R. Lathrop, single woman. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO. 11-8018 Civil COIJNTI' OF CUMBERLAND) CIVIL ACTION - LAW TO THL--' SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due JPMORGAN CHASE BANK, NATIONAL ASSO(aATION, SUCCESSOR BY MERGER TO CHASE HOME FINANCE LLC StiCC1SSOR Bl' MERGER TO CHASE MANHATTAN MORTGAGE CORPORATION, Plaintiff (s) From .JAYSON A. BEERS AND STACEY R. LATHROP (I) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL llESCRIPTION . r. j You are also directed to attach the property of the defendant(s) not levied i.ipon in the puss:esio~~ o' GARNISHEE(S) as Follows: and to n~xify the garnishee(s) that: (a) an attachment has been issued; (bl the garnishee(s) is enjoined from pa}~in~; any debt to or for the account of the defendant (s) and from delivering a.ny property of th~° defendant (} or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the poss~ess~on of anyone other than. a named garnishee, you are directed to notify him!her that he/she has been added as a Uarnish~e and is enjoined as above stated. ;mount Due: 597,(111.44 L.L.: x.50 Interest APRIL 1, 2012 TO SEPTEMBER 5, 2012 IS 52,414.71 ~ttv's t.;omm: °~ Due Prothy: 52.25 ~ttv P<id: 5402.25 Other Costs: Plaintiff Paid: ,^~ ~ Date: 4; 4/12 .Buell, Prothonotary ~' Seal) By: Depute REQUESTING PARTY: Name: CHRISTOPHER A. DENARDO, ESQUIRE Addre7s: SHAPIRO & DENARDO, LLC 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 ;~ttorr~ey for: PLAINTIFF Telephone: 610-278-6800 Supreme Court ID No. 78447 TRtrDE COPT' FRCJt1f! F~ECQRD in Tesiirnorry ;Nheraof, }here unto set my hand and the Baal of said Court at Car}}sle, Pa. This="~ dayof.~j~jrll 20.x_ T Prothonotary ~~~ l~ p On April 16, 2012 the sheriff levied upon the defer~dant'~. interest in the real property situated ~n East l~`ennsbor~ Township, Cumberland County. 1~.~, i~r~own arc numbered 9 West Beale Ave~~~ue, r~c~ia, I'A ~.~7C~Z rrier~~ fully described on Exhibit '~A`f flied with this writ arc this reference incorporated hereir~~ Date: April 16, 2012 =~ Claudia Brewbaker, Real Estate ~;oordinater CUMBERLAND LAW JOURNAL Writ No. 2011-8018 Civil Term JP Morgan Chase Bank, NA vs. Jayson A. Beers Stacey R. Lathrop Atty.: Christopher DeNardo Tract 1: ALL THAT CERTAIN lot of ground situate in the Township of East Pennsboro, County of Cumberland and State of Pennsylvania, being more particularly bounded and de- scribed as follows: BEGINNING at a point on the north side of West Beale Avenue (formerly Roebuck Street), at the southeastern comer of Lot No. 42 on thi° hereinafter mentioned plan of lots; thence westwardly along said West Beale Avenue 25 feet to Lot No. 43; thence in a northwardly direction 150 feet along Lot No. 43 to Colvert SU~eet; thence in an easterly direc- tion along Colvert (also referred to as Covert) Street 25 feet to Lot No. 41; thence in a southerly direction along Lot No. 41,150 feet to a point, the place of BEGINNING. BEING Lot No. 42 on the addition to plan of lots laid out by John Q. Ad.dams as recorded in Plan Book 1, Page 17, Cumberland County Records. HAVING thereon erected adwell- in3; house known and numbered as 9 West Beale Avenue, Enola, Penn- sylvania. Tract 2: ALL THAT CERTAIN lot or tract of ground situate in the Township of East Pennsboro, County of Cumber- laud and State of Pennsylvania, more particularly bounded and described as follows: BEGINNING at a point on the north side of Roebuck Street, at the line of lands now or late of Mary E. Troutman, being known as Lot No. 42 or.: the hereinafter mentioned Plan of Lots; thence in a northerly direction along the westerly line of Lot No. 42 on saki Plan 150 feet to a point on the southerly line of Covert Street; thence in a westerly direction along Covert (also referred to as Calvert) Street 12.5 feet to a point; thence in a southerly direction along the line of land now or formerly of Nellie E. Troutman 150 feet to a point on the no~~therly line of Roebuck Street; thence along Roebuck Street in an easterly direction 12. ~ feet to the place of BEGINNING. BE]:NG the easterly one-half of Lot No. 43 on the Plan of Lots laid out by Pyne and Adda~ns, said Plan being recorded in the Office of the Recorder of Deeds in and for said. County of~Cumberland in Plan Book 1, Page 17. PARCEL No. 09-15-1291-274 BE]:NG the same premises which Ronald J. Oldt and Rebecca L. Oldt, husband and wife, by Deed dated May 25, 2001 and recorded in the Cumberland County Recorder of Deeds Office on May 29, 2001 in Deed Book 245, page 393, granted and conveyed unto Jayson A. Beers, single man and Stacey R. Lathrop.. single woman. 25 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P.. L.1784 COMMONWEALTH OF PENNSYLVANIA ss. COUNTY OF CUMBERLAND Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts a.s the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: July 27, August 3, and August 10, 2012 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter o:F the aforesaid notice or advertisement, and that all allegatio~as in the foregoing statements as to time, place and character of publication are true. ,~ ~ -~ --- ~Li. Marie Coyne, Edit ,~ SWORN TO AND SUBSCRIBED betare me this ~A-- -10 daw of August, 2012 , ~__. Notary ,~~ DE30RAN A GOIi.iNS Notary Public CARLISLE BDRGUGH, GUMBERLAt~D CGUNT~~ My~ Gomm;ssion Expires Apr 28, 2D'4 y The Patriot-News Co. 2020 ~'ecf~nvlogy Pkwy Suite 300 Mechanicsburg, PA 17050 inquiries - 717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COI.INTY COURT HOUSE CARLISLE PA 17013 ~e ~latriot-News NOw you know THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Holly Blain, being duly sworn according to law, deposes and says: That she is a Staff Accountant of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 2020 Technology Pkwy, Suite 300, in the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and State aforesaid: that The Patriot-News an~1 The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Community Weekly editions which appeared on the date(s) indicated below. That neither she nor said Company is interested in the subject: matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recordecl in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION COPY This ad ran on the date(s) shown below: 07J27J12 08/03/12 -~^~) 08/10/12 ~..._ Sworn to ark bsGribed befo~e me is 1 Tday f August, 2012 A. D. ., ,. ,. Notary Public vr,arra! SE~af ~ -__ +11, ^! P~~bl~c -: ~ , air, , ~;~,., ~ ~u~h~~y Cour?y s Niy c ~r a t s ~~~ ~ ~ <~iires ^~cv. 26, 2015 MEtH;StR C r h3YL`=,~[.:vi. is^~ \ C%N OF NO §PrFS. COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND } SS: I. Robert P. Ziegler, Recorder of Deeds in and for said County and State do herc;by certify that the Sheriffs Deed in which JP Morgan Chase Bank National Association is the grantee the same having been sold. to said grantee on the 5 day of Se tember A.D., 2012, under and by virtue of a writ Execution issued on the 4 day of Ahril, A.D., 2012, out of the Court of Common Pleas of said Cotanty as of Civil Term, 2011 Number 8018 at the suit of JP Morgan Chase bank National Association against Ja son A. Beers and Stacey R. Lathrop is duly recorded as Instrument Number 201232518. IN TESTIMONY WHEREOF, I have hereunto set my hand ~`~ and seal of said office this y da of ~~ ~~ :1 Recorder of Deeds pfd (~rtberk~nd County, CarlEsie, PA ~Ny E~iteS the Fvst Monday of Jan. 2014 2011.8018 Cltrti Ti~rnt JP 411iss Qank, NA Vs J~ysoa A. 6ssrs 8st+y R. CslMpp Ch~iopAsr Dstsrda~ 'TI'act 1: ALL THAT lot of ground situate in the'Ihwmshipof East Pennsboro, County of Cumberland and State of Pennsylvania, being mere parucidarly bounded and descnbed as folkrvs: BEGINNING at a point on the mirth side of West Beale Avenue (formerly Roebuck Street), at the southeastern comer of Lot No. 42 an the hereinafter mentioned plan of lots; therux vwestwardly along said West " Beale Avenue 25 feet to Lot No. 43; thence in a northwatdly directi~ 150 feet along Lot Na. 43 to Colvert Street; thence in an easterly direction along Cohnrt (al9o referred to as Covert) Strect 25 feet to Lot No. 41; thence in a southerly direction along Lot No. 41,150 feet to a point, the place of BEGINNING. BEING Lot No. 42 ~ the addition to plan ofldalaid out by John Q. Addams as tecordedm Plan Book 1, Page 17, Cumberland County Records. HAVING theteoh etecled a dNellinghouse knows and numbered as 9 RTest Seale Avenue, , Enota, Pennsylvania. pact 2: _ f~ ALL THAT CERTAIN lot of o ', groom! situate in the lbwnsh}y of East , Pennsboro, County of CSrmherJand and State of Pennsylvania, more particularly bounded and descrbed as follows; BEGINNING at a point on the north side of Roebuck Siteet, at the line of Lords now of late of Mary E. liroutman, being known as Lot Na 42 on the hereinafter mentioned Plan of Lots; thertce itt a northerly direction. along the westerly line of Lot No: 42 an stud Phm 150 feet to a point on the ~ line af'Cavert , . Street; thence in a westedy direction along < Covert (also tefmr'td to E8 Calvert) Street 12.5 feet to a point; thence in a southerly direction along the line of land actor or formerly of Nellie E.ltoutman 150 feet to a point on the northerly line of Roebuck Street;. theme slang Roebuck Street in an easterly direction 12.5 feet to the place of BEGINNING. BEING the easterly one-hall of Lot No. 43 on the Plan of Lots laid out by Fyne and Addamc, said Plan being tee~dod in the Office of the Reror~decof Deeds in andfor said County of~Cumberland in P-aa Book 1, Page 17. PARCEL No.09-15-1291-274 BEING the same prent>scs which Ronald J. Oldt aml Rebecca L. Oklt, husband amt wife, by Deed dated May 25, 2001 and recorded in the E~nbetbmd County Recorder of Deeds Office on May 29, 2001 in Deed Book 245, page 393, granted amt conveyed unto Jayson A. Aders, single man and Stacy R Lathrop, single woman.