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HomeMy WebLinkAbout12-0568 Leon P. Haller, Esquire Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 717.234.4178 mtg@pkh.com U.S. BANK NATIONAL ASSOCIATION TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY Plaintiff vs. BRIANNE M. VAUGHT AND MICHAEL S. VAUGHT Defendants 1 u ?.. V IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE THIS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTINGTO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. NOTICE 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 the 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 claim in the Complaint of 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. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 AVISO LE HAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA DEMANDA Y AVISO. PARA DEFENDERSE ES NECESSARIO QUE USTED, O SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU PARTICIPACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATEAMENTE. SI NO CONOCE A UN ABOGADO, LLAME AL "LAWYER REFERENCE SERVICE" (SERVICIO DE REFERENCIA DE ABOGADOS), (215) 238-6300. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE 513 7 5 /,1t c4 CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET v4 x"7'3-7 f. - CARLISLE, PA 17013 x'-116 vi' 717-249-3166 J,l U.S. BANK NATIONAL ASSOCIATION TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, Plaintiff vs. BRIANNE M. VAUGHT AND MICHAEL S. VAUGHT, Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION LAW ACTION OF MORTGAGE FORECLOSURE THE FOLLOWING NOTICE IS BEING PROVIDED PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. 1601 The undersigned attorney is attempting to collect a debt owed to the Plaintiff, and any information obtained will be used for that purpose. The amount of the debt is stated in this Complaint. Plaintiff is the creditor to whom the debt is owed. Unless the Debtor, within thirty (30) days after your receipt of this notice disputes the validity of the aforesaid debt or any portion thereof owing to the Plaintiff, the undersigned attorney will assume that said debt is valid. If the Debtor notifies the undersigned attorney in writing with the said thirty (30) day period that the aforesaid debt, or any portion thereof, is disputed, the undersigned attorney shall obtain. written verification of the said debt from the Plaintiff and mail same to Debtor. Upon written request by Debtor to the undersigned attorney within said thirty (30) day period, the undersigned attorney will provide debtor with the name and address of the original creditor if different from the current creditor. PURCELL, KRUG & HALLER 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 Attorney I.D.# 15700 Attorney for Plaintiff U.S. BANK NATIONAL ASSOCIATION TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, Plaintiff vs. BRIANNE M. VAUGHT AND MICHAEL S. VAUGHT, Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE K, 1d- - 5- ?, S? c -U"( COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, U.S. BANK NATIONAL ASSOCIATION TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, pursuant to a Trust Indenture dated as of April 1, 1982 ("Trust"), is a National Association with a Servicing Agent of the Pennsylvania Housing Finance Agency, with an address of 211 North Front Street, Harrisburg, Pennsylvania 17101. 2. Defendant, MICHAEL S. VAUGHT, is an adult individual whose last known address is 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011. Defendant, BRIANNE M. VAUGHT, is an adult individual whose last known address is 2108 CEDAR RUN DRIVE, APT. 306, CAMP HILL, PA 17011. 3. On or about, August 06, 2009, the said Defendants executed and delivered a Mortgage Note in the sum of $153,200.00 payable to HOWARD HANNA MORTGAGE SERVICES, which Note is attached hereto and marked Exhibit "A". 4. Contemporaneously with and at the time of the execution of the aforesaid Mortgage Note, in order to secure payment of the same, Defendants made, executed, and delivered to original Mortgagee, a certain real estate Mortgage which is recorded in the Recorder of Deeds Office of the within County and Commonwealth on August 7, 2009 as Instrument Number 200927741 conveying to original Mortgagee the subject premises. The Mortgage was subsequently assigned to PENNSYLVANIA HOUSING FINANCE AGENCY and was recorded in the aforesaid County on October 2, 2009 as Instrument Number 200934000. The Mortgage was further assigned to U.S. BANK, NATIONAL ASSOCIATION, TRUSTEE FOR PENNSYLVANIA HOUSING FINANCE AGENCY and will be sent for recording, which Assignment is attached hereto and marked Exhibit "B". The said Mortgage and Assignment are incorporated herein by reference. 5 6 7 The land subject to the Mortgage is: 4602 NORTH CLEARVIEW, DRIVE, CAMP HILL, PA 17011 and is more particularly described in Exhibit "C" attached hereto. The said Defendants are the real owners of the property. The Mortgage is in default due to the fact that Mortgagors have failed to pay the installment due on August 01, 2011 and all subsequent installments thereon, and the following amounts are due on the Mortgage: UNPAID PRINCIPAL BALANCE $149,195.08 Interest at $22.28 per day $5,414.04 From 07/01/2011 To 03/01/2012 ( based on contract rate of 5.3750%) Late Charges $34.32 $240.24 From 08/01/2011 to 03/01/2012 Escrow Deficit $286.50 Attorney's Fee at 5% of Principal Balance $7,459.75 TOTAL $162,595.61 **Together with interest at the per diem rate noted above after March 01, 2012 and other charges and costs to date of Sheriff's Sale. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff's Sale. If the Mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged that are actually incurred by Plaintiff. 8. The Plaintiff has complied with the notice procedures required by Pennsylvania Act 6 of 1974 and as amended by Pennsylvania Act 57 of 2008 by sending to each Defendant, by certified mail, Notice of Intention to Foreclose Mortgage and Accelerate Loan Balance. A true and correct copy of the Notice of Intention to Foreclose Mortgage and Accelerate Loan Balance dated October 11, 2011 is attached hereto as Exhibit "D". 9. The Defendants are not members of the Armed Forces of the United States of America, nor engaged in any way which would bring them within the Service Members Civil Relief Act, as amended. Copies of the website reports from the Department of Defense Manpower Data Center, confirming non-active military duty are attached as Exhibit "E". WHEREFORE, Plaintiff demands judgment in mortgage foreclosure "IN REM" for the aforementioned total amount due together with interest at the rate of 5.3750% ($22.28 per diem), together with other charges and costs including escrow advances incidental thereto to the date of Sheriff's Sale and for foreclosure and sale of the property within described. By:_ lit P CELL, KRUG & HALLER L 66n P. Haller, Esquire I.D. # 15700 Jill M. Wineka I.D. #58802 Attorneys for Plaintiff 1719 N. Front Street Harrisburg, PA 17102 (717-234-4178) f 'z LOANk 200974600 A I - q jC:D VA CASE* 10-10-&M5378 NOTE zc:p -?6-1 G2 NOTICE: THIS LOAN IS NOT ASSUMABLE WITHOUT THE APPROVAL OF THE DEPARTMENT OF VETERANS AFFAIRS OR ITS AUTHORIZED AGENT. August 9th, 2009 HUMMELSTOWN PENNSYLVANIA IDaml 1C10'I ISUreJ 4602 NORTH CLEARVIEW DRIVE. CAMP HILL, PA 17011 11'ropmy Address] BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. 5 153,200.00 (this amount is called Principal"), plus interest. to the order of the Lender. The Lender is Howard Hanna Mortgage Services, a Pennsylvania Corporation I will make all payments under this Note in the form of cash, check or money order. I understand that the Lender may transfer this Note. The Lender or anyone who takes [his Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. INTEREST [merest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of 5.375 %. The interest rate required by this Section 2 is (he rate 1 will pay both before and after any default described in Section 6(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making payments every month. I will make my monthly payments on the let day of each month beginning on October 1st 2009 . 1 will make these payments every month until 1 have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment as of its scheduled due date will be applied to interest before Principal. If, on. September tat, 2039 , 1 still owe amounts under (his Note, 1 will pay those amounts in full on that date, which is called the "Maturity Date." 1 will make my monthly payments at 119 Gamma Dr, Pittsburgh, PA 15238 or at a different place if required by the Note Holder. (B) Amount of Monthly Payments My monthly payment will be in the amount of U.S. S 857.88 4. BORROWER'S RIGHT TO PREPAY Privilege is reserved to prepay at any time without premium or fee, the entire indebtedness or any pan thereof not less Than the amount of one installment, or one hundred dollars ($300.00), whichever is less. Prepayment in Full shall be credited on the date received. Partial prepayment, other than on an installment due date, need not be credited until the next following installment due date or thirty days after such prepayment, whichever is earlier. 5. LOAN CHARGES If a law, which applies in this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted Emits, then: (a) any such ban charge shall be reduced by the amount necessary to reduce the charge to the permitted limit: and (b) any sums already collected from me which exceeded permitted [links will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal 1 owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as a partial prepayment. 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a [ate charge to the Note Holder. The amount of the charge will he 4.000 % of my overdue payment. 1 will pay this late charge promptly but only once on each late payment. (B) Default If 1 do not pay the full amount of each monthly payment on the date it is due, 1 will be in default. (C) Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is delivered or mailed to me. (D) No Waiver By Note Holder Even if, at a time when I am in default, the Note Holder does mn require me to pay immediately in full as described above, the Note Holder will still have the right to do so if 1 am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example. reasonable attorneys' fees. 7. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by malting it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my differem address. MULTISTATE FIXED RATE NOTE- Single Family - Fannie MW Freddie Mac Uniform Instnrn it - modified for VA Form 3200 1 /01 GCGN7201.011 (0006) Pea 1 a 2 dwft?-- F?h I h?? i' 4 `' Any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 8. 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 guarantor, 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. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 9. WAIVERS I 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 the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 10. ALLONGE TO THIS NOTE If an allonge providing for payment adjustments or for any other supplemental information is executed by the 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. [Check applicable box) Graduated Payment Allonge 0 Other [specify] ? Other [specify] 11. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the "Security Instrument"), dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep the promises which I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows: Transfer of the Property. If all or any part of the Property or any interest in it is sold or transferred, this loan may be declared immediately due and payable upon transfer ("assumption") of the property securing such loan to any transferee ("assmuer"), unless the acceptability of the assumption and transfer of this loan is established by the Department of Veterans Affairs or its authorized agent pursuant to Section 3714 of Chapter 37, Title 38, United States code. Regulations (38 C.P.R. Pan 36) issued under the Department of Veterans Affairs ("V.A.') Guaranteed Loan Authority (38 U.S.C. Chapter 37) and in effect on the date of ban closing shall govern the rights, duties and liabilities of the parties to this loan and any provisions of the Security Instnunent and this Note which are Inconsistent with such regulations are hereby amended and supplemented to conform thereto. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. 1 (Seal) BRIANNE M VAUGHT -Harrower (Seal) Borrower VlaAEL S VAUGHT (Seal) -gon- (Seal) (Sign Original Only) Mt1LTISTATE FIXED RATE NOTE- Single Family - F-emta MW FradNe Mae Uniform Instrument - modified for VA Fans 3200 1101 GOC-M201-02 (0008) Page 2 02 ALLONGE MORTGAGOR: BRIANNE M VAUGHT MICHAEL S VAUGHT ADDRESS OF MORTGAGOR: 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011 MORTGAGE AMOUNT: $ 153,200.00 NOTE DATE: 08/06/2009 WITHOUT RECOURSE PAY TO THE ORDER OF: PENNSYLVANIA HOUSING FINANCE AGENCY Its Assigns and/or Successors HOWARD HANNA MORTGAGE SERVICES By: ' vin J Lai d ice President Prepared by: U.S. Bank National Association coo PHFA-Legal Division 211 North Front Street, P.O. Box 8029 Harrisburg, Pennsylvania 17105-8029 717-780-3845 or 1-800-346-3597 ext. 3845 Return to: same as above Property Parcel Number: 10210279135 Above space is intentionally left blank for recording data. ASSIGNMENT OF MORTGAGE For value received, PENNSYLVANIA HOUSING FINANCE AGENCY ("PHFA"), hereby grant, sell, convey, assign and deliver unto the U.S. BANK NATIONAL ASSOCIATION, (Trustee for the Pennsylvania Housing Finance Agency, pursuant to a Trust Indenture dated as of April 1, 1982), its successors and assigns, the following described Mortgage, together with the Note secured thereby: Name of Original Mortgagor(s): BRIANNE M. VAUGHT MICHAEL S. VAUGHT Secured by the real property located at: 4602 NORTH CLEARVIEW DRIVE, CAMP HILL, PA 17011-4012 Municipality: HAMPDEN County Recorded in: CUMBERLAND Original Mortgagee: HOWARD HANNAH FINANCIAL SERVICES, INC. Original Principal Amount: $153,200.00 Mortgage recorded: AUGUST 7, 2009, Mortgage Instrument #200927741; Last Assignment to PHFA, recorded on OCTOBER 2, 2009, in the aforesaid Office of Recorder of Deeds Assignment Instrument #200934000. IN WITNESS WHEREOF, the said Pennsylvania Housing Finance Agency, has caused this Assignment of Mortgage to be executed by its duly authorized officer. Dated: DECEMBER 9, 2011 PENNSYLVANIA HOUSING FINANCE AGENCY Anthony J. Julian, a r, ounting & Loan Servicing COMMONWEALTH OF PENNSYLVANIA COUNT OF DAUPHIN On th day ofua.--N? 1, before me, the undersigned, personally appeared Anthony J. Julian, Director, Accounting & Loan Servicing, authorized officer of Pennsylvania Housing Finance Agency, and acknowledged that he, being authorized to do so, executed the foregoing instrument for the purposes therein contained. In witness whereof, I have hereunto set my hand and official seal. 1 y 1 ' L/i1U\ - Notary Public No rial Seal Kimberley A. Ayala, Notary Public City of Harrisburg, Dauphin County CERTIFICATE OF RESIDENCE OF ASSIGNEE MY Commisslon Expires Tan. 15, 2015 The below officer certifies that the principal business and mailing address for this assignmM ana sir s. '6N OF "w' U.S. Bank National Association, c/o PHFA, 211 North Front Stre , arri burg, PA 17101 Authorized Of r ALL THAT CERTAIN piece or parcel of land, situated in Hampden Township, Cumberland County, Pennsylvania, bounded and described in accordance with a survey and plan thereof made by William B. Whittock, Registered Professional Engineer, dated October 11, 1959, as follows: BEGINNING at a point on the Southern side of Clearview Drive which point is at the division lines of Lots Nos. 97 and 98 on the hereinafter mentioned plan of lots at the distance of 131.97 feet East of Chestnut Avenue; thence South 03 degrees 05 minutes East along said division line a distance of 57.60 feet to a point at the division line between Lots Nos. 98 and 215 on said plan; thence South 68 degrees 09 minutes West along said division line a distance of 106.06 feet to a point at the division line of Lots Nos. 98 and 99; thence North 01 degree 49 minutes west along said division line a distance of 92.83 feet to a point on the Southern side of Clearview Drive; thence North 88 degrees 08 minutes East along said Clearview Drive a distance of 103.50 feet to a point, the PLACE OF BEGINNING. IT BEING Lot No. 98 on the General Plan of Section 2 and 3, Clearview Farms, recorded in and for the County of Cumberland in Plan Book 9, page 6. HAVING thereon erected a one-story frame dwelling known as No. 4602 Clearview Drive. C-h?bif"C Pennsylvania Housin Finance Agency Accounting & Loan Servicin 211 North Front Street, P.O. Box 15057 Harrisburg, PA 17105-5057 (800) 346-3597 FAX (717) 780-3899 TTY (717) 780-1869 CERTIFIED MAIL - RETURN RECEIPT REQUESTED 10/11/2011 RE: Account No. 2003762 BRIANNE M. VAUGHT MICHAEL S. VAUGHT 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011-4012 RE: 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011-4012 Dear Occupant(s): NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by PENNSYLVANIA HOUSING FINANCE AGENCY (hereinafter We, Us or Ours) on your property located at 4602 NORTH CLEARVIEW DRIVE, CAMP HILL, PA 17011-4012, IS IN SERIOUS DEFAULT because you have not made the monthly payments of $1,034.00 for 8/2011 through 10/2011 for a total of $3,102.00. Late charges and NSF charges that have accrued to this date in the amounts of $68.64 and $.00 respectively, are also due. The total listed below includes all fees (including inspections and securing that needed to be completed) less any funds we are holding in suspense. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter is $3,170.64. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the total amount of $3,170.64, plus any-additional monthly payments, expenses and late charges which may fall due during this period. Such payment must be made either by cash in our office, cashier's check, certified check, or money order and made at: PENNSYLVANIA HOUSING FINANCE AGENCY 211 NORTH FRONT STREET/P.O. BOX 15057 HARRISBURG, PA 17105-5057 1-800-822-7375 or TTY (800) 346-3597 If you do not cure the default within THIRTY (30) DAYS, We intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgageed property. If the mortgage is foreclosed, your mortgage property will be sold by the sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees, even if they are over $50.00. Any attorney's fee will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default within the thirty-day period, you will not be required to pay attorney fees. (i , 1, ? ?'? FHAACT/dtmdocs/ALSV/ ? h k) We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty-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 sheriffas foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments and any late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale and perform any other requirements under the mortgage. It is estimated that the earliest date that such a Sheriff's sale could be held would be approximately five months from the date of this Notice. A notice of the date of the Sheriff 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 will be by calling us at the following number: 1-800-822-7375. This payment must be made payable in cash in our office, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE 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 UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year. You have the right to assert in any foreclosure proceeding or any other lawsuit instituted under the mortgage documents, the nonexistence of a default or any other defense you believe you may have to any such action. If you maintain credit, life or disability insurance in connection with your mortgage loan, your failure to pay premiums with your payments may have already resulted or may result in the future in the lapse or a cancellation of that insurance by the insurance company. If the insurance lapses or is cancelled, reinstatement of the loan will not reinstate the insurance, and you will have to apply to the insurance company and qualify for replacement insurance if you wish to retain it. If you make partial payments on account of the delinquencies, we may accept them and apply them to the delinquencies. However, such partial payments will not cure your default or reinstate your loan. The loan will not be reinstated unless we receive the entire amount required to cure the default. Sincerely, ?V Mr. Thomas L. Gouker Manager of Collections PENNSYLVANIA HOUSING FINANCE AGENCY 211 North Front Street/ P.O. Box 15057 Harrisburg, PA 17105-5057 TLG/ FH AACT/dtmdocs/ALSV/ Pennsylvania Housing Finance Agency Accounting & Loan Servicin 211 North Front Street, P.O. Box 15057 Harrisburg, PA 1 71 05-505 7 (800) 346-3597 FAX (717) 780-3899 TTY (717) 780-1869 NOTICE 10/11/2011 BRIANNE M. VAUGHT MICHAEL S. VAUGHT 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011-4012 RE: Account #2003762 TO: BRIANNE M. VAUGHT MICHAEL S. VAUGHT 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011-4012 FROM: PENNSYLVANIA HOUSING FINANCE AGENCY The Federal Housing and Development Act of 1987 (as amended) directs creditors to notify homeowners who are delinquent in their mortgage obligation of the availability of homeownership counseling provided by nonprofit organizations approved by the Secretary of the Department of Housing and Urban Development ("HUD") and experienced in the provision of homeownership counseling. Attached is a current list of HUD-approved counseling agencies for Pennsylvania. If these agencies are not near you, you can call HUD's toll free number (800) 569-4287 for financially distressed mortgagors for information concerning HUD-approved housing counseling agencies. Attachment: Housing Counseling List FHAACT/dtmdocs/ALSV/ *** PLEASE BE SURE THE AGENCY OF Y CCCS OF WESTERN PA-HARRISBURG 2000 LINGLESTOWN RD. HARRISBURG, PA. 17110 Phone:888-599-2227 HOUSING ALLIANCE OF YORK DEVELOPMENT 34 S. Duke St. York, PA 17401-1106 Phone: 800-864-4909 TABOR COMMUNITY SERVICES 208 E King St. Lancaster, PA 17608-1676 Phone: 717-397-5182 CHOICE SERVICES YOUR COUNTY *** NACA 1341 N DELAWARE AVE; SUITE 312 PHILADELPHIA, PA. 19125 Phone:888-297-5568 PHILADELPHIA COUNCIL OF COMMINITY ONE PENN CENTER;1617 JFK BLVD; SUITE 1550 PHILADELPHIA, PA. 19103-1828 Phone:800-930-4663 FH AACT/dtmdocs/ALSV/ Pennsylvania Housing Finance Agency AccounfinjZ & Loan Servicin 211 North Front Street, P.O. Box 15057 Harrishurg, PA 1 71 05-5 05 7 (800) 346-3597 FAX (717) 780-3899 TTY(717) 780-1869 CERTIFIED MAIL - RETURN RECEIPT REQUESTED 10/11/2011 RE: Account No. 2003762 BRIANNE VAUGHT 2108 CEDAR RUN DRIVE, APT 306 CAMP HILL, PA 17011 RE: 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011-4012 Dear Occupant(s): NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by PENNSYLVANIA HOUSING FINANCE AGENCY (hereinafter We, Us or Ours) on your property located at 4602 NORTH CLEARVIEW DRIVE, CAMP HILL, PA 17011-4012, IS IN SERIOUS DEFAULT because you have not made the monthly payments of $1,034.00 for 8/2011 through 10/2011 for a total of $3,102.00. Late charges and NSF charges that have accrued to this date in the amounts of $68.64 and $.00 respectively, are also due. The total listed below includes all fees (including inspections and securing that needed to be completed) less any funds we are holding in suspense. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter is $3,170.64. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the total amount of $3,170.64, plus any additional monthly payments, expenses and late charges which may fall due during this period. Such payment must be made either by cash in our office, cashier's check, certified check or money order and made at: PENNSYLVANIA HOUSING FINANCE AGENCY 211 NORTH FRONT STREET/P.O. BOX 15057 HARRISBURG, PA 17105-5057 1-800-822-7375 or TTY (800) 346-3597 If you do not cure the default within THIRTY (30) DAYS, We intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgageed property. If the mortgage is foreclosed, your mortgage property will be sold by the sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees, even if they are over $50.00. Any attorney's fee will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default within the thirty-day period, you will not be required to pay attorney fees. FHAACT/dtmdocs/ALSV/ We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty-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 sheriffas foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments and any late or other charges then due as well as the reasonable attorney's fees and costs connected with the foreclosure sale and perform any other requirements under the mortgage. It is estimated that the earliest date that such a Sheriff's sale could be held would be approximately five months from the date of this Notice. A notice of the date of the Sheriff 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 will be by calling us at the following number: 1-800-822-7375. This payment must be made payable in cash in our office, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE 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 UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year. You have the right to assert in any foreclosure proceeding or any other lawsuit instituted under the mortgage documents, the nonexistence of a default or any other defense you believe you may have to any such action. If you maintain credit, life or disability insurance in connection with your mortgage loan, your failure to pay premiums with your payments may have already resulted or may result in the future in the lapse or a cancellation of that insurance by the insurance company. If the insurance lapses or is cancelled, reinstatement of the loan will not reinstate the insurance, and you will have to apply to the insurance company and qualify for replacement insurance if you wish to retain it. If you make partial payments on account of the delinquencies, we may accept them and apply them to the delinquencies. However, such partial payments will not cure your default or reinstate your loan. The loan will not be reinstated unless we receive the entire amount required to cure the default. Sincerely, -IV,, 4? L Mr. Thomas L. Gouker Manager of Collections PENNSYLVANIA HOUSING FINANCE AGENCY 211 North Front Street/ P.O. Box 15057 Harrisburg, PA 17105-5057 TLG/ FHAACT/dtmdocs/ALSV/ Pennsylvania Housing Finance Agency Accounting & Loan Servicin 211 North Front Street, P.O. Box 15057 Harrisburg PA 17105-5057 (800) 346-3597 FAX (717) 780-3899 TTY (717) 780-1869 NOTICE 10/11/2011 BRIANNE VAUGHT 2108 CEDAR RUN DRIVE, APT 306 CAMP HILL, PA 17011 RE: Account #2003762 TO: BRIANNE VAUGHT 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011-4012 FROM: PENNSYLVANIA HOUSING FINANCE AGENCY The Federal Housing and Development Act of 1987 (as amended) directs creditors to notify homeowners who are delinquent in their mortgage obligation of the availability of homeownership counseling provided by nonprofit organizations approved by the Secretary of the Department of Housing and Urban Development ("HUD") and experienced in the provision of homeownership counseling. Attached is a current list of HUD-approved counseling agencies for Pennsylvania. If these agencies are not near you, you can call HUD's toll free number (800) 569-4287 for financially distressed mortgagors for information concerning HUD-approved housing counseling agencies. Attachment:: Housing Counseling List FH AACT/dtmdocs/ALSV/ *** PLEASE BE SURE THE AGENCY OF YOUR CHOICE SERVICES YOUR COUNTY *** CCCS OF WESTERN PA-HARRISBURG 2000 LINGLESTOWN RD. HARRISBURG, PA. 17110 Phone:888-599-2227 NACA 1341 N DELAWARE AVE; SUITE 312 PHILADELPHIA, PA. 19125 Phone:888-297-5568 HOUSING ALLIANCE OF YORK DEVELOPMENT 34 S. Duke St. York, PA 17401-1106 Phone: 800-864-4909 TABOR COMMUNITY SERVICES 208 E King St. Lancaster, PA 17608-1676 Phone: 717-397-5182 PHILADELPHIA COUNCIL OF COMMINITY ONE PENN CENTER;1617 JFK BLVD; SUITE 1550 PHILADELPHIA, PA. 19103-1828 Phone:800-930-4663 FHAACT/dtmdocs/ALSV/ i 1 ) 7196 9008 9111 1435 6184 m' MICHAEL S VAUGHT 4 6 0 2 NORTH CLEARVIEW DRIVE CAMP HILL,PA 17011 SENDER: STROHECK REFERENCE: 2 0 0 3 7 6 2 RETURN Postage RECEIPT Certified Fee SERVICE -2 Retum Receipt Fee Restricted Delivery Total Postage & Fees US Postal Ser&e® POSTMARK OR DATE Receipt for Certified Mail'" No Insurance Coverage Provided Do Not Use for International Mel -------------------------- tin CD ? rn H w (Aj tv o r) V fv M CY) it h 't W 02 Iv H O tv l /?tJ r^ ? ' of ? ? c n 9 HH C? y , x O o x ? trl Hasler 10/11/2011 Mglft?M $01.15° ZIP 17101 011D12601941 C rMA y e w FD+. ? ? m w w ?? n 7196 9008 9111 1435 6177 TO: BRIANNE M VAUGHT 4602 NORTH CLEARVIEW DRIVE CAMP HILL,PA 17011 SENDER: STROHECK. REFERENCE: 2003762 RETURN Postage RECEIPT Certified Fee SERVICE 2. E Return Receipt Fee Restricted Delivery Total Postage & Fees c US Postal Servkes POSTMARK OR DATE Receipt for Certified Mail'" No Innuarm Cove" Provided Do Not Use for IntematiorW Mel 7196 9008 9111 1435 6191 M' BRIANNE VAUGHT 2108 CEDAR RUN DRIVE, APT 30 CAMP HILL, PA 17011 g SENDER: w TREFERENCE. 2003762 n A ? m u CC PS Form 3fi00 januafy 2005 10 Q RETURN Postage 9 to 00 7 RECEIPT Certified Fee SERVICE Return Receipt Fee Restricted Delivery 7xt Total Postage & Fees i US Postal Services POSTMARK OR DATE f Receipt for Certified Mail'" No Insurance Coverage Provided Do Not Use for International Mal n . rrAA'' M L U.S. POSTAL SERVICE CERTIFICATE OF MAILING . /w Irre Mv? MAY SE USED FOR DOMESTIC AND RYTERm?TIDNAL ? DOES NOT PROVIDE FOR RNSURANCE-POSTMASTER pwNnwi of ?- Recenwy From: o...__..?... Pennsylvania Housing Finance Age L T o `r P.O. Box 15057 c°o ------------ (V Harrisburg, PA 17105 0 a O N? On' prc' Of Ord-my rnr W*-O"d W BRIAN M VAUGH 4 T 602 NORTH CLEAR V DRIVE, CAt4P HILL cv 2 , PA 762 T 7011 o• .'? N n ? S ROFIECK = 2- =s O o o ? o a co ?r C 0 z Er . > CL & L N H H tr C7 d y= 'A & o y .. . t' > C ;? > Q M ON ro ro ?' G7 m . ?. ? ?x-3 o o s y ?' 7 w . ? ? U.S. POSTAL SERVICE CERTIFICATE OF MAILING S 0 .0 Fl < D- ?' '? _ MAY LIE USED FOR DOMESTIC AND INTERNATgIML ?IRANCE-POSTMNSTER AWL DOES NOT AIR. !?. «m~ hwe RN n ReanwA From: ------------ ? x J Pennsylvania Housin Finance A 01 ` o w o x p r en P. 0. Box 1 0 7 e-- . ?r o 0') -F -< CL n CD m Harrisburg, PA 17105 O N a , _g 0'M on= Of Oldm WV moil ?,M Ml rD m BRIANNE NAUGHT QL. °s 210 8 CEDAR RUN DRIVE - , APT CAMP HILL PA 1 L N , 7 011 2003762 o - STROHECK a ;r = ..;yam m .o ?? F1 0 xg j cr O p ?a• ?. C O 1 Q o ".?. a O ? hr O ? J ? to Fv+ d . O v 5. M?1?1 ? A• b b x H r r b N 0 N Ol H o r] N 0 tr x cn n? ra tt (7) ?a C H d H C t? J ti o r W o' N I 0 C) ro x H r ro r? 0 J f I m I - ? C ;u b M µ v OCC fi y moz '- r -IDS fi OHO -q FU 14 oam F° iD 4 O O y 41 K ? O _ i 14 U ? K H m rnx off to 0 x ?tz 31 C H H -.1 o a _o 4+ ==-- h-i bi C' Request for Military Status Department of Defense Manpower Data Center 40 Military Status Report Pursuant to the Service Members Civil Relief Act Page 1 of 2 Dec-30-2011 05:11:24 ¦C Last Name First/Middle Begin Date Active Duty Status Active Duty End Date Service Agency VAUGHT BRIANNE Based on the information you have furnished, the DMDC does not possess M any information indicating the individual status. Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). Mary M. Snavely-Dixon, Director Department of Defense - Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Service Members Civil Relief Act (50 USC App. §§ 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL httn://www.defenselink.miUfaq/pis/PC09SLDR html. If you have evidence the person is on active duty and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. §521(c). If you obtain additional information about the person (e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again at this Web site and we will provide a new certificate for that query. This response reflects active duty status including date the individual was last on active duty, if it was within the preceding 367 days. For historical information, please contact the Service SCRA points-of- contact. https://www.dmdc.osd.mil/appj/scra/popre do v 12/30/2011 Request for Military Status Page 2 of 2 More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1) for a period of more than 30 consecutive days. In the case of a member of the National Guard, includes service under a call to active service authorized by the President or the Secretary of Defense for a period of more than 30 consecutive days under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy TARs, Marine Corps ARs and Coast Guard RPAs. Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps) for a period of more than 30 consecutive days. Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of SCRA extend beyond the last dates of active duty. Those who would rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected. WARNING: This certificate was provided based on a name and SSN provided by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided. Report ID:S2F89402AC https://www.dmdc.osd.mil/appj/scra/popreport.do 12/30/2011 Request for Military Status Department of Defense Manpower Data Center 40 Military Status Report Pursuant to the Service Members Civil Relief Act Page 1 of 2 Dec-30-2011 05:11:44 E Last Name First/Middle Begin Date Active Duty Status Active Duty End Date Service Agency VAUGHT MICHAEL Based on the information you have furnished, the DMDC does not possess S any information indicating the individual status. Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). 14 )6k 14. 4W44A??, Mary M. Snavely-Dixon, Director Department of Defense - Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Service Members Civil Relief Act (50 USC App. §§ 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL httn://,,vww.defenselink inil/faq/nis/PC09SLDR htnil. If you have evidence the person is on active duty and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. §521(c). If you obtain additional information about the person (e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again at this Web site and we will provide a new certificate for that query. This response reflects active duty status including date the individual was last on active duty, if it was within the preceding 367 days. For historical information, please contact the Service SCRA points-of- contact. https://www.dmdc.osd.mil/appj/scra/popreport.do 12/30/2011 Request for Military Status Page 2 of 2 More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1) for a period of more than 30 consecutive days. In the case of a member of the National Guard, includes service under a call to active service authorized by the President or the Secretary of Defense for a period of more than 30 consecutive days under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy TARs, Marine Corps ARs and Coast Guard RPAs. Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps) for a period of more than 30 consecutive days. Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. Many times orders are amended to extend the period of active duty,'which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of SCRA extend beyond the last dates of active duty. Those who would rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected. WARNING: This certificate was provided based on a name and SSN provided by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided. Report ID:T2IRD2KVGR https://www.dmde.osd.mil/appj/scra/popreport.do 12/30/2011 COMPANY NAME: PENNSYLVANIA HOUSING FINANCE AGENCY AS SERVICING AGENT FOR U.S. BANK NATIONAL ASSOCIATION TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY VERIFICATION I verify that the statements made in the foregoing Complaint are true and correct upon my personal knowledge and upon 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. Dated By ?**q Title Director of Accounting & Loan Svg VAUGHT 2003762 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor ?$tt?tt}? ?? tar?r?ber/;?„c? OFF CE - . FRIFF FILED-OFFICE Oi THE PROTHONOTARY 2012 FEB 17 AM 10= 4 5 CUMBERLANU COUNTY PENNSYLVANIA US Bank National Association vs. Brianne M. Vaught (et al.) Case Number 2012-568 SHERIFF'S RETURN OF SERVICE 02/0912012 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: Occupant of 4602 N. Clearview Drive, Camp Hill, Pennsylvania 17011, but was unable to locate them in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure as not found as to the defendant Occupant. Request for service at 4602 N. Clearview Drive, Camp Hill, Pennsylvania 17011. 02/10/2012 01:05 PM - Timothy Black, Deputy Sheriff, who being duly sworn according to law, states that on February 10, 2012 at 1305 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Brianne M. Vaught, by making known unto herself personally, at 2108 Cedar Run Drive, Apartment 306, Camp Hill, Cumberland County, Pennsylvania 17011 its contents and at the same time handing to her personally the said true and correct copy of the same. TIM CAC, DEPUTY 02/14/2012 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: Michael S. Vaught, 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 Michael S. Vaught. Request for service at 4602 N. Clearview Drive, Camp Hill, Pennsylvania 17011 the Defendant was not found. However, The Camp Hill Postmaster is still delivering his mail to this address. SHERIFF COST: $115.00 February 14, 2012 SO ANSWERS, RON R ANDERSON, SHERIFF of Coun'vSuue S-em17 ie: eus ?t. 6?C U.S. BANK NATIONAL ASSOCIATION TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY Plaintiff VS. BRIANNE M. VAUGHT and MICHAEL S. VAUGHT Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. 12-568-CIVIL IN MORTGAGE FORECLOSURE ORDER FOR SERVICE AND NOW, to wit, this 21" day of 4r n-1 2012, upon consideration of the within Affidavit, is appearing that a good faith investigation and effort to locate the Defendant, Michael S. Vaught, has been made by Plaintiff, it is hereby ORDERED that service of the Complaint be made by posting a copy of the original Complaint on the most public part of the property located at 4602 North Clearview Drive, Camp Hill, Pennsylvania 1.7011 and by forwarding a copy of the Complaint by registered/certified mail and ordinary mail (service to be completed by mailing), to Defendant, Michael S. Vaught, at his last known address of 4602 North Clearview Drive, Camp Hill, Pennsylvania 17011, AND FURTHER, that in the event this case should be reduced to judgment and execution shall be issued, service upon the Defendant, Michael S. Vaught, pursuant to Rule 3129.2 (c)(1)(C) shall be effected by mailing copies of the Notice of Sale to the Defendant, Michael S. Vaught, at his last known addresses by registered/certified mail and ordinary mail (service to be completed upon mailing) to Michael S. Vaught at 4602 North Clearview Drive, Camp Hill, Pennsylvania 17011 7 rr1w -r-- f y C-) -q r"{ -'T RV TT47 rnTTRT U.S. BANK NATIONAL ASSOCIATIO N TRUSTEE FOR THE PENNSYLVANIA HOUSING IFINANCE AGENCY Plaintiff vs. BRIANNE M. VAUGHT AND MICHAEL S. VAUGHT TO THE PROTHONOTARY: Kindly reinstate the IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE No. 12-568 on the above captioned matter. DATE: May 2, 2012 PURCELL, KRUG, & HALLER BY Leon P. Haller 1719 North Front Street Harrisburg, Pa. 17102 Attorney for Plaintiff Attorney ID# 15700 r-a ?Z- =° ?+- c= ? ? Lrv f,-; O ask ? <<.75pr+ o? a a-? NLt ( SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson C.3 1 -.1 Sheriff Mm A\1411'u' Ldllt??tyT?! Jody S Smith Zr?.- 1' C Chief Deputy ' p Richard WStewart ?Z -?? y. rt =C CD_ Solicitor Z f J r US Bank National Association I Case Number vs. 2012-568 Brianne M. Vaught (et al.) SHERIFF'S RETURN OF SERVICE 05/08/2012 06:07 PM - Michelle Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on May 8 2012 at 1807 hours, she served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Michael S. Vaught, pursuant to order of court by posting the premises located at 4602 N. Clearview Drive, Camp Hill, Cumberland County, Pennsylvania 17011 with a true and correct copy according to law. 1 l? MICHELLE GUTSHALL, DEPUTY SHERIFF COST: $55.00 May 09, 2012 SO ANSWERS, RON R ANDERSON, SHERIFF U.S. BANK NATIONAL ASSOCIATION TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY Plaintiff Vs. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA No. 12-568-CIVIL CIVIL ACTION - LAW BRIANNE M. VAUGHT AND IN MORTGAGE FORECLOSURE MICHAEL S. VAUGHT - <p Defendants -; I, Leon P AFFIDAVIT OF SERVICE x" - - -- - c Haller, hereby certify that a true and correct copy of the Complaint irrthe,75 j,, captioned action was forwarded to the following individual by regular U. S. Mail, first class service, postage prepaid, and by certified mail, return receipt requested, postage prepaid, on May 9, 2012 addressed as follows: MICHAEL S. VAUGHT 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011 Attached hereto is the original Certificate of Mailing postmarked May 9, 2012 along with the original Receipts for Certified Mail also postmarked May 9, 2012. Leon P. Haller SWOR o and subscribed thi day of 20 1y Notary ublic --t ?: _? My commission expires: cOMMONWEAITH OF PENNSYL L1 ???) s Notarial4ea! L 3onita r. Pruss-7&, Notary "Ic Q C 7 (SEAL) city of ;parr sbuni ')auk mn County ?, C c My Commis on txplres Sept 26, 2013 - r Member, Peums mnia A adatlAi? of Notaries PENNSYLVANIA HOUSING FINANCE AGENCY v. BRIANNE M. VAUGHT MICHAEL S. VAUGHT CUMBERLAND County U. S. POSTAL SERVICE CERTIFICATE OF MAILING (In compliance with Postal Service Form 3877) Received from: Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 Post, oP One piece of ordinary mail addressed to: Post, TO: MICHAEL S. VAUGHT MICHAEL S. VAUGHT 4602 NORTH CLEARVIEW DRIVE 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011 CAMP HILL, PA 17011 SENDER: MSH/CO SVC REFERENCE: PHFA/VAUGHT 7196 9008 9111 4681 8704 PS Form 3800. January 2005 RECEFr CerlMed Fee 2.95 SERVICE Retum Receipt Fee 2.35 Restricted Delivery 4,55 Total Postage & Fees /rs US Postal SerAcev Receipt for Certified WIT" No aw mm CM M" Provided Do Not Lbe for International Mall POSTMAMIKM DA`E .. iicDS/ Z6S ,j 10 ZIP, f 5 ' P PIINfY Rowrs 021M $01.150 0004284324 "?IAY lg 2012 MAILED FROM ZIP BODE 11 7102 U.S. BANK NATIONAL ASSOCIATION TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, PLAINTIFF V S. BRIANNE M. NAUGHT AND MICHAEL S. NAUGHT, DEFENDANT(S) PRAECIPE TO THE PROTHONOTARY OF THE WITHIN COUNTY: Please enter JUDGMENT in rem in favor of the Plaintiff and against Defendarbt(s) r~.-> rv ~.. c~ N xs v BRIANNE M. NAUGHT AND MICHAEL S. NAUGHT for failure to plead to the above action within twenty (20) days from date of service of the Complaint, and assess Plaintiff's damages as follows: Unpaid Principal Balance $149,195.08 Interest $5,414.04 Per diem of $22.28 From 07/01 /2011 To 03/01/2012 Late Charges $240.24 ($34.32 per month to 03/01 /2012) Escrow Deficit $286.50 5% Attorney's Commission $7,459.75 TOTAL $162,595.61 **Together with additional interest at the per diem rate indicated above from the date herein, the contract rate, and other charges and costs to the date of Sheriff's Sale. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION LAW NO. 12-568 MORTGAGE FORECLOSURE C ~~ ~~ cnr-' ..~ D ~© .T ~ 0 ~'~ -c PURCELL, KRUG & By. Le Haller PA I.D. 1 19 North Front Street Harrisburg, PA 17102 (717) 234-4178 # 15700 i ~' ~~ (~ o~ t'~r? -- ~~ ~~ ~~ --tom ~ -n q rn c=• ~~ on ~~ ~ ~7~ ;; ~~g9~c2. ~;,~P~ . .. U.S. BANK NATIONAL ASSOCIATION TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, PLAINTIFF Vs. IN THE COURT OF CQMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION LAW NO. 12-568 IN MORTGAGE FORECLOSURE BRIANNE M. NAUGHT AND MICHAEL S. NAUGHT, DEFENDANT(S) CERTIFICATE OF SERVICE PURSUANT TO PA. R.C.P. 237.1 I hereby certify that on June 5, 2012 I served the Ten Day Notice required by Pa. R.C.P. on Defendant(s) in this matter by regular first class mail, postage prepaid, as indicated on tl~e attached Notice. By Leo aller PA I.D. # 15700 orney for Plaintiff Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 r ~ U.S. BANK NATIONAL ASSOCIATION TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIIA NO. 12-568 VS. BRIANNE M. NAUGHT AND MICHAEL S. NAUGHT Defendants CIVIL ACTION LAW IN MORTGAGE FORECLOSURE DATE OF THIS NOTICE: June 5, 2012 TO: BR.IANNE M. NAUGHT 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011 BRIANNE M. NAUGHT 2108 CEDAR RUN DRIVE, APT. 306 CAMP HILL, PA 17011 MICHAEL S. NAUGHT 4602 NORTH CLEARVIEW DRIVE CAMP HII.L, PA 17011 THIS LAW FIItM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OB'T'AINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. IMPORTANT NOTICE 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 AGAIINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IIvIPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAIrT PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICE TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 PURCELL, & HALLER B LEON P. HALLEIjlAttorney for Plaintiff LD. # 15700 ~ 1719 N. Front St., Harrisburg, PA 17102 (717) 234-4178 U.S. BANK NATIONAL ASSOCIATION TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, PLAINTIFF VS. BRIANNE M. NAUGHT AND MICHAEL S. NAUGHT, DEFENDANT IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION LAW NO. 12-568 IN MORTGAGE FORECLOSURE NON-MILITARY AFFIDAVIT COMMONWEALTH OF PENNSYLVANIA COUNTY OF DAUPHIN SS Personally appeared before me, a Notary Public in and for said Commonwealth and County, LEON P. HALLER, ESQUIRE who being duly sworn according to law deposes and states that Defendant (s) above named are not in the Military or Naval Service nor are they engaged in any which would bring them within the Soldiers and Sailors Relief Act of 1940, as amended. Sworn to and subscribed .. ~,_ , s I~w~ula NOTARIAL sisal. MARYLANt~ K. P~RPI~°'~TI, N~t~ry Public L,owpr paxlan'Nv Q~uphin Caunry MY Commlar~lon ~~plro~ ~1u~, a3, 201a P. HALLER, ESQUIRE before me this ~ day of 20~ w IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION -LAW AT NO. 12-568 U.S. BANK NATIONAL ASSOCIATION TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, PLAINTIFF VS. BRIANNE M. NAUGHT AND MICHAEL S. NAUGHT, DEFENDANT(S) Total Judgment Amount $1 Interest Per diem of $22.28 to sale date 12/5/2012 Late Charges $34.32 per month to sale date 12/5/2012 Escrow Deficit 88 $1,87.95 TOTAL WRIT $170, *Plus additional interest, late charges and other ~ to date of sheriff s sale. SALE DATE: Wednesday, December O5, 2012 (PROTHONOTARY'S USE) Pltf. Paid Deft. Paid Due Proth/Clerk Other Costs PRAECIPE FOR WRIT OF EXECUTION -MORTGAGE FORECLOSUI~tE TO THE PROTHONOTARY/CLERK OF SAID COURT: to ~" Issue Writ of Execution in the above capti c e. r"-.z C7 Date: August 24, 2012 Z~ ~~ z Attorney for Plaintiff _ '~ 1719 North Front Street Leon P. Haller -`` Harrisburg, PA 17102 PA I.D. #15700 (717) 234-4178 WRIT OF EXECUTION -MORTGAGE FORECLOSURE COMMONWEALTH OF PENNSYLVANIA ~ COUNTY OF CUMBERLAND TO THE SHERIFF OF CUMBERLAND COUNTX: To satisfy the judgment, interest and costs in sell the property described in the attached description HILL, PA 17011 Date ~a$.~ Q~ Q~~ ~ s. Ov C F ~5~ o®tt~1 ~v3- ~5 u« ( 1. ~ S u~~ 5 o a ~r I ~. O tt tt ~~ SS .61 hJ G.7 ~'+.) c-s rv w sa. rv !e captioned case, you are directed to levy as 4602 NORTH CLEARVIEW bRIVE BY ARY/CLERK CML DIVISION DEPUTY ~. 'SP ~- ~~ a~~~~a ~J~~1 ~ R~ ~- . ~3 .y ..- r r; _.`.: -'o rr _~ T :t; --' ~~, and _ ---- ~ ,, . ALL THAT CERTAIN piece or parcel of land, situated in Hampden Township, Cumberland County Pennsylvania, bounded and described in accordance with a survey and plan thereof made by Willi B. Whittock, Registered Professional Engineer, dated October 11, 1959 as follows: ~ BEGINNING at a point on the Southern side of Clearview Drive which point is at the division lines Lots Nos. 97 and 98 on the hereinafter mentioned plan of lots at the distance of 131.97 feet East of Chestnut Avenue; thence South 03 degrees OS minutes East along said division line a distance of 57 feet to a point at the division line between Lots Nos. 98 and 215 on said plan; thence South 68 degrf 09 minutes West along said division line a distance of 106.06 feet to a point at the division line of L Nos. 98 and 99; thence North O1 degree 49 minutes West along said division line a distance of 92.8: feet to a point on the Southern side of Clearview Drive; thence North 88 degrees 08 minutes East alp said Clearview Drive, a distance of 103.50 feet to a point, the place of BEGINNING. BEING Lot No. 98 on the General Plan of Section 2 and 3, Clearview Farms, recorded iri County Plan Book 9, Page 6. HAVING THEREON ERECTED A DWELLING KNOWN AS 4602 NORTH CLEARVIEW D CAMP HILL, PA 17011 BEING THE SAME PREMISES WHICH Paula A. Peter Executrix of the Last Will and Testament of Mary E. Hughes, by deed dated 8/6/09 and recorded 8/7/09 in Cumberland County Instrument No. 200 27740, granted and conveyed unto Michael S. Vaught and Brianne M. Vaught, husband anti wife. TO BE SOLD AS THE PROPERTY OF BRIANNE M. NAUGHT AND MICHAEL S. NAUGHT JiJDGMENT NO. 12-568 ASSESSMENT NO. 10-21-0279-135 U.S. BANK NATIONAL ASSOCIATION TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, PLAINTIFF VS. BRIANNE M. NAUGHT AND MICHAEL S. NAUGHT, DEFENDANT(S) IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA c CIVIL ACTION LAW -~~ ra ~~ ~ NO. 12-568 ~ ~ ~~ IN MORTGAGE FORECLOSURE y° ~ 2p D~ --+ rv AFFIDAVIT PURSUANT TO RULE 3129.1 ~: n ~v ~;~ ~~- _._, ~ -~„ co -~r a c` ~~ Sy ~('7 The Plaintiff in the above action, by its attorneys, Purcell, Krug & Haller, sets forth as of th date the praecipe for the writ of execution was filed, the following information concerning the real prop rty located at 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011: 1. Name and address of the Owner(s) or Reputed Owner(s): BRIANNE M. NAUGHT 2108 CEDAR RUN DRIVE APT. 306 CAMP HILL, PA 17011 BRIANNE M. NAUGHT 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011 MICHAEL S. NAUGHT 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011 2. Name and address of Defendant(s) in the Judgment, if different from that.. listed. in above: SAME 3. Name and address of every judgment creditor whose judgment is a record lien on real property to be sold: UNKNOWN 4. Name and address of last recorded holder of every mortgage of record: PLAINTIFF HEREIN (AND ANY OTHERS AS NOTED BELOW): Pennsylvania Housing Finance Agency 211 North Front Street P. O. Box 15057 Harrisburg, PA 17105-5057 5. Name and address of every other person who has any record lien on the property: UNKNOWN 6. Name and address of every other person who has any record interest in the propert~ and whose interest may be affected by the sale: UNKNOWN 7. Name and address of every other person of whom the Plaintiff has knowledge wh has any interest in the property which may be affected by the sale: DOMESTIC RELATIONS Cumberland County Courthouse 13 North Hanover Street Cazlisle, PA 17013 TENANT/OCCUPANT 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011 (In the preceding information, where addresses could not be reasonably ascertained, the s e is indicated.) I verify that the statements made in this Affidavit aze true and correct to the be$t of my pe sonal knowledge, information and belief. I understand that false statements herein a subject o the penalties of 18 PA C.S. Section 4904 relating to unsworn falsification to auth tie Le .Haller PA I.D. #15'700 cell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 DATE: August 24, 2012 U.S. BANK NATIONAL ASSOCIATION TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, PLAINTIFF VS. BRIANNE M. NAUGHT AND MICHAEL S. NAUGHT, DEFENDANT(S) IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION LAW NO. 12-568 IN MORTGAGE FORECLOSURE ~;~ ~~ rrt ' ~~ x~ u, r ~ ~. rx 2p z,c z --4 -~ ~.. ~, a~- ~a R) NOTICE OF SHERIFF'S SALE OF REAL ESTATE PURSUANT TO PENNSYLVANIA RULE OF CIVIL PROCEDURE 3129.1 TAKE NOTICE: That the SherifFs Sale of Real Property (real estate) will be held: DATE: Wednesday, December 05, 2012 TIME: 10:00 O'clock A.M. LOCATION: Cumberland County Courthouse Carlisle, Pennsylvania 17013 THE PROPERTY TO BE SOLD is delineated in detail in a legal description mainly of a statement of the measured boundaries of the property, together with a brief mention'of the and any other major improvements erected on the land. (SEE DESCRIPTION ATTACI-QED) THE LOCATION of your property to be sold is: 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011 THE JUDGMENT under or pursuant to which your property is being sold is docketed in within Commonwealth and County to: No. 12-568 JUDGMENT AMOUNT $162,595.61 THE NAMES OF THE OWNERS OR REPUTED OWNERS of this property is: ~' ~~ --t ~~'_. C~7 -r ~~ ~~ ~; BRIANNE M. NAUGHT AND MICHAEL S. NAUGHT - ____ r A SCHEDULE OF DISTRIBUTION, being a list of the persons and/or governmen al or corporate entities or agencies being entitled to receive part of the proceeds of the sale received and to be disbursed by the Sheriff (for example, to banks that hold mortgages and municipalities tha are owed taxes) will be filed by the Sheriff of this County thirty (30) days after the sale and distributi n of the proceeds of sale in accordance with this schedule will, in fact, be made unless someone obje s by filing exceptions to it within ten (10) days of the date it is filed. Information about the Schedule of Distribution may be obtained from the Sheriff of the Co rt of Common Pleas of the within County at the Courthouse address specified herein. THIS PAPER IS A NOTICE OF THE TIME ANll YLACl: Ur' '1'HL~' SALLY' PROPERTY. IT HAS BEEN ISSUED BECAUSE THERE IS A JUDGMENT AGAINST YOU. AY THE JUDGMENT You may have legal rights to prevent your property from being taken away. A lawyer can a vise you more specifically of these rights. If you wish to exercise your rights, YOU MUST CT PROMPTLY. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT pNCE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN G)F~T FREE LEGAir ADVICE: i Cumberland County Bar Association 32 South Bedford Street Carlisle, Pennsylvania 17013 717-249-3166 Legal Services, Inc 8 Irvine Row Cazlisle, Pennsylvania 17013 717-243-9400 THE LEGAL RIGHTS YOU MAY HAVE ARE: 1. You may file a petition with the Court of Common Pleas of the within County to ope the judgment if you have a meritorious defense against the person or company that has entered judg ent against you. You may also file an petition with the same Court if you are awaze of a hgal defect i the obligation or the procedure used against you. 2. After the Sheriffs Sale you may file a petition with the Court of Common Pleas of the 'tl County to set aside the sale for a grossly inadequate price or for other proper cause. This pe iti MUST BE FILED BEFORE THE SHERIFF'S DEED IS DELIVERED. 3. A petition or petitions raising the legal issues or rights mentioned in the preceding pazag aphs must be presented to the Court of Common Pleas of the within County. The petition must be sere d on the attorney for the creditor or on the creditor before presentation to the court and a proposed ord r or rule must be attached to the petition. If a specific return date is desired, such date must be obtained from the Court'.. Administr tor's Office -Civil Division, of the within County Courthouse, before a presentation of the petition t the Court. PURCELL, KRUG & HALLER Attorneys for Plaintiff 1719 North Front Street Hamsburg, PA 17102 (717) 234-4178 _._ T - .. ALL THAT CERTAIN piece or parcel of land, situated in Hampden Township, Cumberland Coun , Pennsylvania, bounded and described in accordance v4ith a survey and plan thereof made by Willi B. Whittock, Registered Professional Engineer, dated October 11, 1959 as follows: BEGINNING at a point on the Southern side of Clearview Drive which point is at the di+ ision lines of Lots Nos. 97 and 98 on the hereinafter mentioned plan of lots at the distance of 131.97 feet East of Chestnut Avenue; thence South 03 degrees OS minutes East along said division line a distance of 57 60 feet to a point at the division line between Lots Nos. 98 and 215 on said plan; thence South 68 degr es 09 minutes West along said division line a distance of 106.06 feet to a point at the division line of L is Nos. 98 and 99; thence North O1 degree 49 minutes West along said division line a distance of 92.8 feet to a point on the Southern side of Clearview Drive; thence North 88 degrees 08 minutes East al ng said Clearview Drive, a distance of 103.50 feet to a point, the place of BEGINNING. BEING Lot No. 98 on the General Plan of Section 2 and 3, Clearview Farms, recorded ire Cumberl d County Plan Book 9, Page 6. HAVING THEREON ERECTED A DWELLING KNOWN AS 4602 NORTH CLEARVIEW DRI , CAMP HILL, PA 17011 BEING THE SAME PREMISES WHICH Paula A. Peter Executrix of the Last Will and Testament of Mary E. Hughes, by deed dated 8/6/09 and recorded 8/7/09 in Cumberland County Instrument No. 20o 27740, granted and conveyed unto Michael S. Vaught and Brianne M. Vaught, husband and wife. TO BE SOLD AS THE PROPERTY OF BRIANNE M. NAUGHT AND MICHAEL S. NAUGHT JUDGMENT NO. 12-568 ASSESSMENT NO. 10-21-0279-135 T. _~~ WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO. 12-568 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due U.S. BANK NATIONAL ASSOCIATION TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY Plaintiff (s) From BRIANNE M. NAUGHT AND MICHAEL S. NAUGHT (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: $162,595.61 L.L.: $.50 Interest PER DIEM OF $22.28 TO SALE OF DATE 12/5/2012 -$6,056.40 Atty's Comm: % Due Prothy: $2.25 Atty Paid: $333.00 Other Costs: LATE CHARGES - $308.88 ESCROW DEFICIT- $1,987.95 Plaintiff Paid: Date: 8/29/2012 I David D. Buell, Prothonotary (3eall Depu ItEQLFESTLNCi PARTY: Name: LEON' P. HALLER, ESQUIRE Address: PURCELL, KRUG &HALLER 1719 NORTH FRONT STREET HARRISBURG, PA 17102 Attorney for: PLAINTIFF Telephone: 717-234-4178 Supreme Court ID No. 15700 U.S. BANK NATIONAL ASSOCIATION TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, PLAINTIFF V S. BRIANNE M. NAUGHT AND MICHAEL S. NAUGHT, DEFENDANT(S) IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION LAW NO. 12-568 IN MORTGAGE FORECLOSURE RETURN OF S)~RVICE I hereby certify that I have deposited in the U.S. Mails at Harrisburg, Pennsylvania on Q ~ a 5 ~ an 12 , a true and correct copy of the Notice of Sale of Real Estate pursuant to PA R.C.P. 3129.1 to the Defendants herein and all lienholders of record by regular first class mail (Certificate of Mailing form in compliance with U.S. Postal Form 3817 is attached hereto as evidence), and also to the Defendants by Certified Mail, which mailing receipts are attached. Service addresses are as follows: BRIANNE M. NAUGHT 2108 CEDAR RUN DRNE ~-, r,, APT. 306 c.X 4~i CAMP HILL, PA 17011 ~ ~ m ~~ ~ ~~ BRIANNE M. NAUGHT ~~ ~ i t" ~ ' 4602 NORTH CLEARVIEW DRIVE r CAMP HILL, PA 17011 r., ?O~" `, MICHAEL S. NAUGHT i ~ ~ `f'' 4602 NORTH CLEARVIEW DRNE _ CAMP HILL, PA 17011 DOMESTIC RELATIONS Cumberland County Courthouse 13 North Hanover Street Carlisle, PA 17013 TENANT/OCCUPANT 4602 NORTH CLEARVIEW DRNE CAMP HILL, PA 17011 Pennsylvania Housing Finance Agency 211 North Front Street P. O. Box 15057 Harrisburg, PA 17105-5057 By PURCE UG & HALLER Atto eys for Plaintiff 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 r LAW OFFICES ~tG~kC~j i~~~~ ~ C%~~~2%~~ 1719 NORTH FRONT STREET HOWARD B. KRUG HARRISBURG, PENNSYLVANIA 17102-2392 LEON P. HALLER TELEPHONE (717) 234-4178 IOHN W. PURCELL JR. FAX (717) 234-1206 JILL M. WINEKA LISA RYNARD BRIANNE M. NAUGHT 2108 CEDAR RUN DRIVE APT. 306 CAMP HILL, PA 17011 BRIANNE M. NAUGHT 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011 MICHAEL S. NAUGHT 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011 DOMESTIC RELATIONS Cumberland County Courthouse 13 North Hanover Street Carlisle, PA 17013 TENANT/OCCUPANT 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011 Pennsylvania Housing Finance Agency 211 North Front Street P. O. Box 15057 Harrisburg, PA 17105-5057 t-IERSHEY (717)533-3836 NOTICE IS HEREBY GIVEN to the Defendants in the within action and those parties who hold one or more mortgages, judgments or tax liens against the real estate which is the subject of the Notice of Sale pursuant to Pennsylvania Rule of Civil Procedure 3129.1 attached hereto. YOU ARE HEREBY NOTIFIED that by virtue of a Writ of Execution issued out of the Court of Common Pleas of the within county on the judgment of the Plaintiff named herein the said real estate will be exposed to public sale as set forth on the attached Notice of Sale. YOU ARE FURTHER NOTIFIED that the lien you hold against the said re will be divested by the sale and that you have an opportunity to protect your interest, if any bei otified of said Sheriffs Sale. ~n P. Haller PA I.D.15700 Attorney for Plaintiff U.S. BANK NATIONAL ASSOCIATION TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, PLAINTIFF VS. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION LAW NO. 12-568 BRIANNE M. NAUGHT AND IN MORTGAGE FORECLOSURE MICHAEL S. NAUGHT, DEFENDANT(S) NOTICE OF SHERIFF'S SALE OF REAL ESTATE PURSUANT TO PENNSYLVANIA RULE OF CIVIL PROCEDURE 3129 1 TAKE NOTICE: That the Sheriffs Sale of Real Property (real estate) will be held: DATE: Wednesday, December 05, 2012 TIME: 10:00 O'clock A.M. LOCATION: Cumberland County Courthouse Carlisle, Pennsylvania 17013 THE PROPERTY TO BE SOLD is delineated in detail in a legal description mainly consisting of a statement of the measured boundaries of the property, together with a brief mention of the buildings and any other major improvements erected on the land. (SEE DESCRIPTION ATTACHED) THE LOCATION of your property to be sold is: 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011 THE JUDGMENT under or pursuant to which your property is being sold is docketed in the within Commonwealth and County to: No. 12-568 JUDGMENT AMOUNT $162,595.61 THE NAMES OF THE OWNERS OR REPUTED OWNERS of this property is: BRIANNE M. NAUGHT AND MICHAEL S. NAUGHT A SCHEDULE OF DISTRIBUTION, being a list of the persons and/or governmental or corporate entities or agencies being entitled to receive part of the proceeds of the sale received and to be disbursed by the Sheriff (for example, to banks that hold mortgages and municipalities that are owed taxes) will be filed by the Sheriff of this County thirty (30) days after the sale and distribution of the proceeds of sale in accordance with this schedule will, in fact, be made unless someone objects by filing exceptions to it within ten (10) days of the date it is filed. Information about the Schedule of Distribution may be obtained from the Sheriff of the Court of Common Pleas of the within County at the Courthouse address specified herein. THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR PROPERTY. IT HAS BEEN ISSUED BECAUSE THERE IS A JUDGMENT AGAINST YOU. IT MAY CAUSE YOUR PROPERTY TO BE HELD, TO BE SOLD OR TAKEN TO PAY THE JUDGMENT You may have legal rights to prevent your property from being taken away. A lawyer can advise you more specifically of these rights. If you wish to exercise your rights, YOU MUST ACT PROMPTLY. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET FREE LEGAL ADVICE: Cumberland County Bar Association 32 South Bedford Street Carlisle, Pennsylvania 17013 717-249-3166 Legal Services, Inc 8 Irvine Row Carlisle, Pennsylvania 17013 717-243-9400 THE LEGAL RIGHTS YOU MAY HAVE ARE: 1. You may file a petition with the Court of Common Pleas of the within County to open the judgment if you have a meritorious defense against the person or company that has entered judgment against you. You may also file an petition with the same Court if you are aware of a legal defect in the obligation or the procedure used against you. 2. After the Sheriffs Sale you may file a petition with the Court of Common Pleas of the within County to set aside the sale for a grossly inadequate price or for other proper cause. This petition MUST BE FILED BEFORE THE SHERIFF'S DEED IS DELIVERED. 3. A petition or petitions raising the legal issues or rights mentioned in the preceding paragraphs must be presented to the Court of Common Pleas of the within County. The petition must be served on the attorney for the creditor or on the creditor before presentation to the court and a proposed order or rule must be attached to the petition. If a specific return date is desired, such date must be obtained from the Court Administrator's Office -Civil Division, of the within County Courthouse, before a presentation of the petition to the Court. PURCELL, KRUG & HALLER Attorneys for Plaintiff 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 ALL THAT CERTAIN piece or parcel of land, situated in Hampden Township, Cumberland County, Pennsylvania, bounded and described in accordance with a survey and plan thereof made by William B. Whittock, Registered Professional Engineer, dated October 11, 1959 as follows: BEGINNING at a point on the Southern side of Clearview Drive which point is at the division lines of Lots Nos. 97 and 98 on the hereinafter mentioned plan of lots at the distance of 131.97 feet East of Chestnut Avenue; thence South 03 degrees OS minutes East along said division line a distance of 57.60 feet to a point at the division line between Lots Nos. 98 and 215 on said plan; thence South 68 degrees 09 minutes West along said division line a distance of 106.06 feet to a point at the division line of Lots Nos. 98 and 99; thence North O1 degree 49 minutes West along said division line a distance of 92.83 feet to a point on the Southern side of Clearview Drive; thence North 88 degrees 08 minutes East along said Clearview Drive, a distance of 103.50 feet to a point, the place of BEGINNING. BEING Lot No. 98 on the General Plan of Section 2 and 3, Clearview Farms, recorded in Cumberland County Plan Book 9, Page 6. HAVING THEREON ERECTED A DWELLING KNOWN AS 4602 NORTH CLEARVIEW DRIVE, CAMP HILL, PA 17011 BEING THE SAME PREMISES WHICH Paula A. Peter Executrix of the Last Will and Testament of Mary E. Hughes, by deed dated 8/6/09 and recorded 8/7/09 in Cumberland County Instrument No. 2009- 27740, granted and conveyed unto Michael S. Vaught and Brianne M. Vaught, husband and wife. TO BE SOLD AS THE PROPERTY OF BRIANNE M. NAUGHT AND MICHAEL S. NAUGHT ON JUDGMENT NO. 12-568 ASSESSMENT NO. 10-21-0279-135 ~. ~~ U.S. BANK NATIONAL . IN THE COURT OF COMMON PLEAS ASSOCIATION TRUSTEE FOR THE PENNSYLVANIA HOUSING CUMBERLAND COUNTY, PENNSYLVANIA FINANCE AGENCY CIVIL ACTION - LAW Plaintiff N0. 12-568-CIVIL vs. . IN MORTGAGE FORECLOSURE BRIANNE M. NAUGHT and , MICHAEL S. NAUGHT . Defendants ORDER FOR SERVICE upon f 2012 7~ ~ d i , ay o s d AND NOW, to wit, th consideration of the within Affidavit, is appearing that a good faith investigation and effort to locate the Defendant, Michael S. Vaught, ha s been made by Plaintiff, it is hereby ORDERED. that service of the Complaint be made by posting a copy of the original Complaint on the most public part of the property located at 4602 North Clearview Drive, Camp Hill, Pennsylvania 17011 and by forwarding a copy of the Complaint by registered/certified mail and ordinary mail (service to be completed by mailing), to Defendant, Michael S. Vaught, at his last known address of 4602 North Clearview Drive, Camp Hill, Pennsylvania 17011, AND FURTHER, that in the event this case should be reduced to judgment and execution shall be issued, service upon the Defendant, Michael S. Vaught, pursuant to Rule 3129.2 (c)(1)(C) shall be effected by mailing copies of the Notice of Sale to the Defendant, Michael S. Vaught, at his last known addresses by registered/certified mail and ordinary mail (service.-to be completed upon mailing) to Michael S. Vaught at 4602 North Clearview Drive, Camp ~ ~R. Hill, Pennsylvania 17011 ~ '~'' . ~ -~ ~ ~ -t BY THE COURT : ~p ~ .~ ~.7 r~-x w ~ ~-~'.~ ~~ ~ 7 yJ /~w^ D -w-~r~ J . A ~; ._. ~y --7 ~; ~~ ~~ ~ "s. 7196 9008 9111 4949 925 7196 900 9111 4949 9818 TO' [3R[ANNE M. NAUGHT TO. M1Cf~{AEL S. NAUGHT ~ X602 NORTH CLEARVIEW DRIVE 4602 NORTI-i CLEARV[EW DRIVE CAMP HILL, PA 1701 1 CAMP HILL, PA 17011 i SENDER: P01455; 38174 i SENDER: P01455/38174 REFERENCE: NOS 12/05/12 REFERENCE: NOS 12i05i12 PS Form 3800 Janua 2005 ~ PS Form 3800 Janua 2005 RETURN Postage .65 RETURN Postage .65 RECEIPT Certified Fee 2.95 i RECEIPT Certified Fee 2 95 SERVICE Return Receipt Fee 2.35 SERVICE Return Receipt Fee . 2.35 Restricted Delivery 4.55 Restricted Delivery 4.55 Total Postage 8 Fees S'v Total Postage & Fees ~, ~'r7 US POStdI SeNICi?® POSTMARK~Of~ HATE US POStaI SQNiCt:~ POSTMARK'QR fJA~E Receipt for Receipt for _, Certified Maih" Certified MaiITM Nolnsurance Coverage Provided Nolnsurance Coverage Provided Do Not Use for International Mai Do Not Use for Intsmatiortal Mail 7196 9008 9111 4949 983 TO: BRIANNE M. NAUGHT 2108 CEDAR RUN DRIVE APT. 306 CAMP HILL, PA 17011 SENDER: P01455i38174 REFERENCE: NOS 12/05/12 RETURN rosrage j RECEIPT Certified Fee 2.95 SERVICE Return Receipt Fee 2.35 Restricted Delivery 4.55 Total Postage & Fees ! U. Jv US Postal Services POSTMARK OR DATE Receipt for Certified Mail'" 7 No Insurance Coverage Provided Do NqA Use for International Mail p PENNSYLVANIA HOUSING FINANCE AGENCY v. BRIANNE M. NAUGHT MICHAEL S. NAUGHT Cumberland County Sale 12/5/2012 U. S. POSTAL SERVICE CERTIFICATE OF MAILING (In compliance with Postal Service Form 3877) Received from: Purcell, Krug & Haller Postage: 1719 North Front Street Harrisburg, PA ] 7102 One piece of ordinary mail addressed to: Postmark: BRIANNE M. NAUGHT 2108 CEDAR RUN DRIVE APT. 306 CAMP HILL, PA 17011 i1. S. POSTAL SERVICE CERTIFICATE OF MAILING ~In compliance with Postal Service Form 3877) Received from: Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 One piece of ordinary mail addressed to: BRIANNE M. NAUGHT 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011 Postage: Postmark U. S. POSTAL SERVICE CERTIFICATE OF MAILING (In compliance with Postal Service Form 3877) Received from: Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 One piece of ordinary mail addressed to: MICHAEL S. NAUGHT 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011 Postage: Postmark .. -~ ':. r^, .. ,~Q. s .~i.. ~ ~® iI~Y. ~ ~ pTNEY B~~S ' 021M X01.15° 0004284324 SEP25 2012 MAILED f ROM ZIP CODE 1 710 2 ,. U. S. POSTAL SERVICE CERTIFICATE OF MAILING (In compliance with Postal Service Farm 3$77) Received from: Purcell, Krug & Haller Postage: 1719 North Front Street Harrisburg, PA 17102 One piece of ordinary mail addressed to: Postmark Pennsylvania Housing Finance Agency 211 North Front Street P. d. Box 15057 Harrisburg, PA 17105-5057 U. S. POSTAL SERVICE CERTIFICATE OF MAILING (In compliance with Postal Service Form 3877) Received from: Purcell, Krug & Haller Postage: 1719 North Front Street Harrisburg, PA 17102 One piece of ordinary mail addressed to: Pastmark: DOMESTIC RELATIONS Cumberland County Courthouse 13 North Hanover Street Carlisle, PA 17013 U. S. POSTAL SERVICE CERTIFICATE QF MAILING tIn compliance with Postal Service Form 387?) Received from: Purcell, Krug & Haller Postage: 1719 North Front Street Harrisburg, PA 17102 One piece of ordinary mail addressed to: Postmark: TENANT/OCCUPANT 4602 NORTH CLEARVIEW DRIVE CAMP HILL, PA 17011 _.. i ~' ~ ~ y~ ~~~ , ~, ....~. ~ ` asa° a gTNFY BOWES ~ 02 1NA ,~ O~.'1~10 0004284324 SEP25 2012 MAILED FROM ZIF CODE 1 710 2