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HomeMy WebLinkAbout12-0610KML LAW GROUP, P.C. SUITE 5000 - BNY MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106 (866) 413-2311 i ? a. t l?F? PLO IPAM U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE OF THE SECURITY NATIONAL MORTGAGE LOAN TRUST 2005-1 323 5th Street PO Box 35 Eureka, CA 95502 Plaintiff vs. JAMES E. JOHANSEN JR. Mortgagor(s) and Record Owner(s) 407 East Main Street Mechanicsburg, PA. 17055 Defendant(s) I" a ;.? OF COMMON PLEAS OF Cumberland COUNTY CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE 1#,:?;LOt-a- LQt0 LUil FOCLQ-SURF 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. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER I.EGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decider a favor del demandante y requiere que usted cumpla con todas las provisioner de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICO. VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. D W* s 109.7 S pA 0 Ck 4 -165spl 1 70s7r 3 pv. a 70 -1 9 1 SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 THIS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. RESOURCES AVAILABLE FOR HOMEOWNERS IN FORECLOSURE ACT NOW! Even though your lender (and our client) has filed an Action of Mortgage Foreclosure against you, you still may be able to SAVE YOUR HOME FROM FORECLOSURE. 1). Call an attorney. For referrals to a qualified attorney call either of the following numbers: or 717- 243-9400. 2). Call the Consumer Credit Counseling Agency at 1-800-989-2227 for free counseling. 3). Visit HUD'S website www.hud.gov for Help for Homeowners Facing the Loss of Their Homes. 4). Pennsylvania Housing Finance Agency also offers other loan programs that may assist homeowners in default. Please See the PHFA website http://www.phfa.orp/consumers/homeowners/real.aspx. 5). Call the Plaintiff (your lender) and ask to speak to someone about Loss Mitigation or Home Retention options. 6). Foreclosure Resource Center: http://www.philadelphiafed.orwforeclosure/ 7). Call or contact our office to request the amount to bring the account current, or payoff the mortgage or request a Loan Workout / Home Retention Package. Call our toll free number at 1-866-413-2311 or via email at homeretentionL&kmllawgroup.com. Call Seth at 215-825-6329 or fax 215-825-6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215-825-6318 or Fax: 215-825-6418. Please reference our Attorney File Number of 10961317C. Para informacion en espanol puede communicarse con Loretta al 215-825-6344. This Action of Mortgage Foreclosure will continue unless you take action to stop it. COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff is U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE OF THE SECURITY NATIONAL MORTGAGE LOAN TRUST 2005-1, 323 5th Street, PO Box 35 Eureka, CA 95502. 2. The name(s) and address(es) of the Defendant(s) is/are JAMES E. JOHANSEN JR., 407 East Main Street, Mechanicsburg, PA 17055, who is/are the mortgagor(s) and record owner(s) of the mortgaged premises hereinafter described. 3. On June 21, 1999 mortgagor(s) made, executed and delivered a mortgage upon the Property hereinafter described to WELLFLEET NATIONAL MORTGAGE, LLC, which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County on June 28, 1999 as Book 1553, Page 163. The mortgage has been assigned to: U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE OF THE SECURITY NATIONAL MORTGAGE LOAN TRUST 2005-1 by assignment of Mortgage. Plaintiff is the real party in interest pursuant to an Assignment of Mortgage to Plaintiff attached as Exhibit C. The Mortgage and Assignment(s) are matters of public record and are incorporated by this reference in accordance with Pennsylvania Rule of Civil Procedure 1019(g); which Rule relieves the Plaintiff from its obligation to attach documents to pleadings if those documents are matters of public record. 4. The Property subject to the Mortgage is more fully described in the legal description set forth as Exhibit "A" ("Property"). 5. The mortgage is in default because the monthly payments of principal and interest are due and unpaid for February 01, 2011 and each month thereafter and by the terms of the Mortgage, upon default in such payments for a period of one month or more, the entire principal balance and all interest due and other charges are, due and collectible. 6. The following amounts are due to Plaintiff on the Mortgage: Principal Balance ....................................................................................$79,551.66 Interest from 01/01/2011 through 01/15/2012 at 9.2500% .......................$7,653.85 Per Diem interest rate at $20.11 Late Charges from 02/01/2011 to 01/15/2012 ..........................................$2,866.53 NSF Charge ....................................................................................................$60.00 Prior Servicer Corporate Advance ...............................................................$158.04 Reasonable Attorney's Fee .......................................................................$1,450.00 $91,740.08 If the Mortgage is reinstated prior to a Sheriff s Sale, the Attorney's Fees set forth above may be less than the amount demanded based on work actually performed. Plaintiff reserves the right to request additional attorney's fees if the complexity of the action results in fees in excess of the amount demanded. Further, Plaintiff will request recovery of all costs incurred in this action including, but not limited to, costs of suit, process serving and skip tracing, title searches, recording costs and any other costs of the action in accordance with the mortgage documents and applicable law. 8. Plaintiff is not seeking a judgment of personal liability (or an "in personam" judgment) against the Defendants in this Action but reserves its right to bring a separate Action to establish that right, if such right exists. If Defendants have received a discharge of their personal liability in a Bankruptcy proceeding, this Action of Mortgage Foreclosure is, in no way, an attempt to re-establish the personal liability that was discharged in Bankruptcy, but only to foreclose the Mortgage and sell the Property pursuant to Pennsylvania law. 9. Notice of Intention to Foreclose and a Notice of Homeowners' Emergency Mortgage Assistance has been sent to Defendants by certified and regular mail, as required by Act 160 of 1998 of the Commonwealth of Pennsylvania, on the date(s) set forth in the true and correct copy of such notice(s) attached hereto as Exhibit "B". The Defendants have not had the required face-to-face meeting within the required time and Plaintiff has no knowledge of any such meeting being requested by the Defendants through the Plaintiff, the Pennsylvania Housing Finance Agency, or any appropriate Consumer Credit Counseling Agency. WHEREFORE, Plaintiff demands a de terris judgment in mortgage foreclosure in the sum of $91,740.08, together with interest at the rate of $20.11, per day and other expenses, costs and charges incurred by the Plaintiff which are properly chargeable in accordance with the terms of the Note and Mortgage and Pennsylvania law until the Mortgage is paid in full, and for the foreclosure of the Mortgage and Sheriff s Sale of the Property. By. 19?'/ r Ake ,PAW GROUP, P.C. ichael McKeever Pa. ID 56129 ay E. Kivitz Pa. ID 26769 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Ann E. Swartz Pa. ID 201926 Jill P. Jenkins Pa. ID 306588 Attorneys for Plaintiff VERIFICATION I, &4vc? Ham i ? Url , as the representative of the Plaintiff corporation within named do hereby verify that I am authorized to and do make this verification on behalf of the Plaintiff corporation and the facts set forth in the foregoing Complaint are true and correct to the best of my information and belief. I understand that false statements therein are made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. Date: ` L 17- L2 Lcl c v' i #109613FC - JAMES E. JOHANSEN JR. 407 East Main Street Mechanicsburg, PA 17055 Ex,hibit A Tha land nleretd 19 in this CcwonI yw* Is dae4bed - kl*- Al MW K PpOCA or pafut of Ivw sawalo In Uw Bomw t d Ileamwoctoorm C-* d Girnber®fld AW Carrrrmr,aeih at plM%y * beNp mart pufimANNy 4aWA* ad as IdM1 c 9EGW*4 al a poet on are Whom tH of -" tat of P" MMM &tram, +Hhklh pant 6 1106, ow "DW of the et ot"of r.Wd EnQ MMn Sheet mid *" portl b .*@ f 17.10Iasi float w tf?a KNIarn lob Ww of ctlww 6aw; wto = oA&W,np gom WW now of lap of emp, Lr Aker and pwshV thte* Nye efow d o Panabn VA4 No*v 27.3f7 ?4* 107.69 foo co tt Pahl In 4na d am d Pti m C&-Ifa1 R "' Owwa abnq the iielu, MM 77 4V W EML 26.97 AM 1P t coma al lard mw t; Wo of b+v y4voeVv Curve. Iona etcmp ma rime, Sowlh 28' N 27' Emg IC? io rm b a pwi x U'a Rxt!+em IU M vP orr R* I Easr Man SOW bung wW, thanot 00 POW 9WJI 621 lei M"!f t 23 CO Wow Ito parts sm pyrxd bv-^ V- TAX Lt). NO.; 1a,=565.169. E.,X.,hibit (B Exhibit has been redacted to remove all personally identifiable information or non-public information e C --- ACT 91 NOTICE DATE OF NOTICE: 08/02/2011 TAKE ACTION TO SAVE YOUR ROME FROM FORECLOSURE TMS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTTNG TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. This is an official notice that the m2 ftWe on your home is in default, and the lender intends to foreclose Specific information about the nature of the default is provided m the attached pages The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save Wur home. Thts Notice explains how ft program works To see if HEMAP can help, you must MEET WTTH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE Take this Notice with )L u when you meet with the Counseling Ageency- 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 yuesttons, you may ca 11 the Pennsylvania Housn Finance Agency toll free at 1-800-342-2397 (Persons with yripaired leg -ran call (717) 780-1869.) This Notice contains important legal information If you have any qucstions, representatives at the Consumer Credit Counseling Agency may be able to help explain it, You may also want to contact any attorney in your area The local bar association may be able to help you find a lawyer. La notification en adjunto es de suma importancia, pues afecta su derecho a continuar viviendo en su casa. Si no comprende el contenido de esta notification obtenga una traduccion immediatamente llamanda esta agencia (Pennsylvania Housing Finance Agency) sin cargos a] nwnero meneionada arriba Puedes ser clegible pars un prestamo por el programa llamado "Homeowner's Emergency Mortgage Assistance Program" el cual puede salvar su casa de la perdida del derecho a redimir su hipoteca. Prepared by- GOLDBECK McCAFFERTY & McKE EVER Suite 5040 - Mellon Independence Center- 701 Market Street Philadelphia, PA 19106 Fax (215) 627-7734 Date 08/02/2011 Homeowners Name: JAMES E. JOHANSEN Property Address 407 E. Main Stred, Mechanicsburg, PA 17055 Loan Account No 682 Original Lender WELL)7LEET NATIONAL MORTGAGE, LLC, A LIMITED LIABILITY COMPANY Current Leader/Servicer U.S. BANK. NATIONAL ASSOCIATION, AS TRUSTEE OF THE SECURTI'Y NATIONAL MORTGAGE LOAN TRUST 2005-1 CIO SN SERVICING CORP. HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HEL YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: * IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, * IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND * IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing. During that time you must arrange and attend a "face-to-face" meeting with one of the designated consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WTIIIIN THE NEXT 00) DAYS IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MU ST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the Droperty 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 itnamediately of your mtentions APPLICATION FOR MORNAM ASSISTANCE - Your mortgage Is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Dousing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be filed or postmarked within thirty (30) days of your fact-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. iR YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO nLE 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, TAE 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. HOW TO SURE YOUR MORTGAGE DEFAULT (Brine It ¦p to date). NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at. 407 E. Main Street, Mechanicsburg, PA 170551S SERIOUSLY IN DEFAULT because. A. YOU HAVE NOT MADE MONTBLY MORTGAGE PAYMENTS for the following months and the following amounts arc now past due. (a) Monthly payment from 02/0112011 thru 08/02/2011 (7 mos at $748.22hnonth) $5,237 54 (b) Late charges $2,679 48 (c) Additional Charges Prior Servicer Tax Advance S) 58 D4 NSF Fees 560 00 (d) Other provisions of the mortgage obligation, if any (e) TOTAL AMOUNT REQUIRED AS OF THIS DATE- $8,135 06 HOW TO CURE THE DEFAULT - You may cure the default within TMRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE SERVICER WHICH IS $8,135.06. PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD Payments must be made either by cashier's check, certified check or money order made payable and sent to SN SERVICING CORP. 323 5u' Street, PO 13ox 35 Eureka, CA 95502 IF YOU DO NOT CURE T13E DEFAUIE T - If you do not cure the default within TIERTY (30) DAYS of the date of this Notice, the lender intends to exercise its ricks to accelerate the mortg;ee debt This means that the entire outstanding balance of this debt will be considered due immediately w d you may lose the chance to pay the mortgage m monthly uistailaients if full payment of the total airtount past due is not made within TWRTY (30) DAYS, the tender also intends to instruct its attorneys to start legal action to foredose goon your mortgaged iproRLM-. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the, Sheriff to payoff the mortgage debt If the lender refers your case to its attorneys, but you cure the delinquency before the lender brings legal proceedings against you, you will still be regwred to pay the reasonable attorney's fees that were actually incurred, up to $50.00 However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00 Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. Ifyou care the default within the THIRTY (3ti) DAY period, you will not be required to gay attorney's fees. OTHER LENDER REMEDIES -The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage RIGHT TO CURE TOE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default wtthin the THIRTY (30) DAY period and foreclosure proceedings have bcgun, You still have ft right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale You may dA so by Dayme the total amount then Mast due plus any late or other charges then due reasonable attorney's fees and costs connected watt the foreclosure sale and anv o rr costs connected with the Sheriffs Sale as specified to wrttine by the lender and by nerformin-F-an-_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 SHERIFFS SALE DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approldmately four (4) to six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait You may find out at any tune exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE SBRVICER: Name of Servicer. SN SERVICING CORP. Address: 323 5`s Street, PO Box 35 Eureka, CA 95502 Phone Number: 800-603-0836 Contact Person: Loss Mitigation Department 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 cont nue to live to the property after the Shenffs Sale, a lawsuit to remove you and your furnish ings and other belongings could be started by the lender at any time. A55UMP I ION OF OiTGAGE - You may sell or transfer your home to a buyer or transferee who wn I I assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the safe and that the other requirements of the mortgage are satisfied YOU MAY ALSO HAVE TAE FIGHT * TO SELL'ITIE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT i TO HAVE THIS DEFA ULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE. SAW POSMON AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT (HOWEVER, YOU DO NOT HAVE THIS RYGHT TO CURE YOUR DEFAULT MORE TITAN THREE TIMES IN AT'Y CALENDAR YEAR) TO ASSERT IM NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY 01TIER LAWSUIT INSTITUTED UNDER 11TE MORTGAGE DOCUMENTS. TO ASSERT ANY OTIIER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCI I ACTION BY THE LENDER. TO SEEK PROTECTION 1ND -R TI F D RA BANKRUPTCY LAW Contact: Loss Mitigation Department Phone Number; 800-603-0836 6 HEMAP Consumer Credit Counseling Agencies I i Report IaW updated 4Q.WD11 10 24 22 AM at 11Aartm Ceoter American Cradle Coenseling Institute 1701 Parade Sheet 175 Sftbrd Avenue Eno, PA 165M sure 1 814 452 6113 Wayne PA 19087 CUMBOMAND County 610 9712210 ass 2126741 CCGS of Westem PA Amencan Credit Counseling Institite 2D00 Letgleskwn Road 6800 Marcel Street Harrisburg, PA 17102 1st Floor 688 5112227 Upper Darby, PA 16082 Community Action Commission of Capital RaWom 8888 212 6741 1514 Derry Street Amencan Crodit Couneoling Institute Hamsburg, PA 17104 526328 Dekab Street 717 232 9757 Nonistoesi, PA 19401 lylaranatha 610 9712210 43 Philadelphia Avenue 888 212 6741 WavnesWo. F'A 17288 0111e10itaa Fiaandal C lh S I 717 762 3285 nessa rg ePACas %& 405 West Germantown Plie PA Interfaith Community programs Inc Narrators, PA 111403 40 E wgh Street 257 228 7903 Gettysburg PA 17325 SOO 490 3039 717 3341518 American Financial Counseling Services Inc PHFA 1080 N Delaware Avenue 211 North Front Street Suite 200 Hamsburg, PA 17119 Philadelpha, PA 19125 717 780 3940 267 228 7903 800 342 2397 800 490 3039 DAUPHIN Coup Amerlem Fkrancfai Courrselbg Senife a Inc 175 Stratford Avenue ; CCCS of Wostnm PA Sore One 2000 L mgleslowo Road Wayne PA 19887 Hamsburg, PA 17102 267 228 7903 888 511 2227 app 490 3039 Community Action Commission of Capitef Region APM 1514 Derry Street 600 W Diamond Street Harrisburg, PA 171 D4 Phdsdelphta, PA 19122 717 232 9757 215 235 6070 PHFA (267) 9531615 211 Nord! Front Street Carroll Part Community Cowl, Inc Ham3bur% PA 17110 5218 Master Street 717 780 3940 Phdadelphra, PA 19131 800 342 2397 215 8771157 DELAWARE County CCCS ofDelawaoa Valley 1003 Fast LtnWn Highway American Credit Counseling Inubtuse Suite 102 68!10 Stilmi CoatemAlle, PA 19320 1st Floor 215 563 5886 Upper Darby PA 19082 888 212 6741 CCCS of Pelawam Valley 4400 North Reese Street Philadelphia, PA 19140 215 563 5665 Page 8 of 21 Ey,hibit C -SEND ANY NOTICES TO ASSIGNEE- When recorded return to: ASSIGNMENT OF MORTGAGE Effective Date of Assignment August 02, 2011 KNOW ALL MEN BY THESE PRESENTS that Mortgage Electronic Registration Systems, Inc., its successors and assigns, of P.Q. Box 2026, Flint, MI 48501; 3300 S.W. 34th Avenue, Suite 101, Ocala, FL 34474, the holder of the Mortgage hereinafter mentioned, for and in consideration of the sum of ONE DOLLAR ($1.00) lawful money unto it in hand paid by U.S. Bank National Association, as Trustee of the Security National Mortgage Loan Trust 2005-1 of 323 Fifth Street, Eureka, CA 95501, Assignee, at the time of the execution hereof, the receipt whereof is hereby acknowledged, does hereby grant, bargain, sell, assign, transfer and set over unto the said Assignee and assigns, ALL THAT CERTAIN Mortgage given and executed by James E. Johansen Jr. to Wellfleet National Mortgage, LLC, A Limited Liability Company, bearing the date June 21,1999, in the amount of Ninety Thousand Nine Hundred Fifty Dollars and 00/100 ($90,950.00), together with the Note and indebtedness therein mentioned, said Mortgage being recorded June 28, 1999, in the County of Cumberland, COMMONWEALTH OF PENNSYLVANIA, in Volume 1553, Pg 163. Which Mortgage was last assigned to Mortgage Electronic Registration Systems, Inc. from CFN Liquidating Trust, as successor to Contimortgage Corporation and recorded April 15, 2005, Book 716 Page 3830. Also the Bond or Obligation in the said indenture of Mortgage recited, and all Moneys, Principal and Interest, due and to grow due thereon, with the Warrant of Attorney to the said Obligation annexed; together with all Rights, Remedies and incidents thereunto belonging; and all its Right, Title, Interest, Property, Claim and Demand, in and to U.S. Bank National Association, as Trustee of the Security National Mortgage Loan Trust 2005-1, dated as of August 02, 2011. TO HAVE, HOLD, RECEIVE AND TAKE, all and singular the hereditaments and premises hereby granted and assigned, or mentioned and intended so to be, with the appurtenances unto said Assignee, its successors and assigns, to and for its only proper use, benefit of behoof forever; subject, nevertheless, to the equity of redemption of said Mortgagor in the said Mortgage named, and its heirs and assigns therein. IN WITNESS WHEREOF, the said Mortgage Electronic Registration Systems, Inc_., has caused this document to be duly executed by its proper officer on the day and year first above written. JohanserJPA KILN: 1 000305-0000 1 7 86 8 2-2- MERS Phone: 1-800-679-6377 Sealed and Delivered in the presence of us: Attest: Brandi Fyfe, Witness llebrecht, Witness liL MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. By: e er-14? J Barbara Collins Its: VICE PRESIDENT ACKNOWLEDGMENT State of California County of Humboldt On November 2 1 2011 before me, Mary M. Theuerkauf, Notary Public, personally appeared Barbara Collins, who proved to me on the basis of satisfactory evidence to be the person whose name is subscribed to the within instrument and acknowledged to me that she executed the same in her authorized capacity, and that by his signature on the instrument the person, or the entity upon behalf of which the person acted, executed the instrument. WITNESS my hand and official seal. MARY M.THEUERKAUF Signature _ lp?t" il-01 b (Seal) Commission * 1947621 z =: Notary Public - California z z Humboldt County M Comm. Expires Au 11, 2015 I certify the precise address of Assignee is: 323 Fifth Street Eureka, CA 95501 By: Brandi Fyfe Johansen/PA 141N':1000305-0000178682 - MERS Phone: 1-800-679-6377 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson r t AT 1 1 FT 1 INO Aft Sheriff Jody S Smith 3?° stir r t` J y 13 Aid 9. 15 G Chief Deputy -.418L'RLAND COUNTY Richard W Stewart OFFICE,E IF F RLNNSYlVANtA Solicitor US Bank National Association Case Number 2012-610 vs. James E Johansen, Jr SHERIFF'S RETURN OF SERVICE 02/06/2012 07:05 PM - Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on February 6, 2012 at 1905 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: James E. Johansen, Jr., by making known unto himself personally, at 407 E. Main Street, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to him personally the said true and correct copy of the same. NOAH CLINE, DEPUTY SHERIFF COST: $38.00 February 09, 2012 SO ANSWERS, RON R ANDERSON, SHERIFF (cj GountySuite Shenff. Teleosott. Inc. In the Court of Common Pleas of Cumberland County U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE OF THE SECURITY NATIONAL MORTGAGE LOAN TRUST 4 > w C7, 2005-1 :X r-> 323 5th Street No. 2012-06 - :=--., r" .,. PO Box 35 r-- -, Eureka, CA 95502 CQ Plaintiff -C - lr vs. C JAMES E. JOHANSEN JR. ZO t r (Mortgagor(s) and Record Owner(s)) C:) 407 East Main Street `-t Mechanicsburg, PA 17055 -G Defendant(s) PRAECIPE FOR JUDGMENT THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DE T OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PU RPOSE OF COLLECTING THE DEBT. Enter the Judgment in favor of Plaintiff and against JAMES E. JOHANSEN JR. by default for want of an A swer. Assess damages as follows: $91 ,359.88 Debt Interest from 7/14/2012 to Date of Sale per diem at $20.11 Total (Assessment of Damages attached) I CERTIFY THAT FOREGOING ASSESSMENT OF DAMAGES IS FOR SPECIFIED AMOUNTS ALLEG D TO BE DUE IN THE COMPLAINT AND IS CALCULABLE AS A SUM CERTAIN FROM THE COMPLAINT. I certify that written notice of the intention to file this praecipe was mailed or delivered to the party against whom jud ment is to be entered and to his attorney of record, if any, after the defa It ed and at least ten days prior to the date of he filing of this praecipe. A copy of the notice is attached. R.C.P. 23 .1 By: LAW GROUP, P.C. _ chael McKeever Pa. ID 56129 ay E. Kivitz Pa. ID 26769 -Lisa Lee Pa. ID 78020 =Krishna Murtha Pa. 61858 L ID 826 628 David Fein Pa ;y? L{ ?'", ? n` . V '[ Th P - omas uleo Pa. ID 27615 I (? 3g a -Joshua I. Goldman Pa. 205047 C -Jill P. Jenkins Pa. ID 306588 (Z U O? $) ? q AS Attorneys for Plaintiff e (V med AND NOW L O DO I a Judgment is entered in favor U.S. BANK NATIONAL ASSOCIATION, S TRUSTEE OF THE SECURITY NATIONAL MORTGAGE LOAN TRUS T 2005-1 and against JAMES E. JOHANSEN JR. by default for want of an Answer aNamangssessl the sum of $95,359.88 as per the above certification. 1? Rule of Civil Procedure No. 236 - Revised IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY, PENNSYLVANIA CIVIL ACTION - LAW U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE OF THE SECURITY NATIONAL MORTGAGE 2005-1 323 5th Street PO Box 35 Eureka, CA 95502 Plaintiff vs. JAMES E. JOHANSEN JR. (Mortgagors and Record Owner(s)) 407 East Main Street Mechanicsburg, PA 17055 Defendant(s) No. 2012-00610 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DE1 OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR PURPOSE OF COLLECTING THE DEBT. NOTICE Notice is given that a judgment in the above-captioned matter has been entered against you. David D. Buell Prothonotary of Cumberland County 1 Courthouse Sq r Carlisle, PA 17013 Prothonotary By: Deputy If you have any questions concerning the above, please contact: KMI. Law Group, P.C. Suite 5000 - BNY Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 TRUST - ,-- . . 109613FC THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEI OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR T PURPOSE OF COLLECTING THE DEBT. DATE OF THIS NOTICE TO: JAMES E. JOHANSEN JR. 407 East Main Street Mechanicsburg, PA 17055 U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE OF THE SECURITY NATIONAL MORTGAGE LOAN TRUST 2005-1 323 5th Street PO Box 35 Eureka, CA 95502 Plaintiff vs. JAMES E. JOHANSEN JR. (Mortgagor(s) and Record Owner(s)) 407 East Main Street Mechanicsburg, PA 17055 Defendant(s) TO: JAMES E. JOHANSEN JR. 407 East Main Street Mechanicsburg, PA 17055 In the Court of Common Pleas of Cumberland Cot CIVIL ACTION - LA Action of Mortgage Foreclosure No. 2012-00610 01PORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PE OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO T, SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PR( OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF Y( HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE INFORMATION ABOUT HIRING A LAWYER IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFF'I( ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SET ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 By: KML 1.?¢W 017If P.C. Mt hael cKeever Pa. ID 56129 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Paleo Pa. ID 27615 in P. Jenkins Pa. ID 306588 215-825-6360 Attorneys for Plaintiff 21, 2012 0NALLY i CLAIMS OTICE, A ERTY OR DO NOT OU WITH MAYBE ICES TO IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE OF THE SECURITY NATIONAL MORTGAGE LOAN TRUST 2005-1 Plaintiff vs. JAMES E. JOHANSEN JR. Defendant(s) NO. 2012-00610 RELIEF ACT AS AMENDED 1. The undersigned attorney with KML Law Group, P.C., as the representative for the PlaintAf in the above entitled matter, does hereby state to the best of his/her information and belief, as follows: 2. That an inquiry has been made with the Defense Manpower Data Center ("DMDC") we operated by the United States Department of Defense for the following individual(s): JAMES E. JOHANSEN JR., has a last known residence of 407 East Street, Mechanicsburg, PA 17055. The following information was used to search the DMDC (chec all that apply): X Last Name X First Name X Social Security Number 3. The DMDC search results, a copy of which is attached, states that based on the provided, the DMDC does not possess any information indicating that the individual is on active dutvl or has been on active duty within the last 367 days. The undersigned understands that the statements herein are made subject to penalties of 18 C.S.A. 4904 relating to unsworn falsification to authorities. Date By? KM AW GROUP, P.C. ichael McKeever Pa. ID 56129 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Jay Kivitz Pa. ID 26769 Andrew Gornall Pa. ID 92382 Joshua I. Goldman Pa. 205047 Jill P. Jenkins Pa. ID 306588 Attorneys for Plaintiff Results Department of Defense Manpower Data Center as of: Jul-12012 11:24:06 SCRA 2.2.2 Status Rq)ott Pursuant tc Serv cemembers Civil Relief Act I f Last Name: JOHANSEN First Name: JAMES Active Duty Status As Of: Jul-13-2012 Active Duty Start Date Active Duty End Date StatusService Component On Active Duty on Active Duty Status Date NA NA No NA This response reflects the individuals' active duty status based on the Active Duty Status Date Left Active Duty Within 367. Days of Active Duty Status Date Active Duty Start Date Active Duty Erb Date Status Service Component NA NA No NA. This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Future Calt-.Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End. Date status... Service component NA NA No NA This response reflects whether the individual or his/her unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Heal h, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. y6k Mary M. Snavely-Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and 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 Servicemembers Civil Relief Act (50 USC App. § 501 et seq, as amended) (SCRA) (formerly k own as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that he individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or an family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, 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 t "defenselink.mil" URL: hftp://www.defenselink.mil/faq/pis/PC09SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA maybe invoked against you. See 50 USC App. §521(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual I ft Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report fo active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty peri s less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by th President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization positi in the unit they support. This includes Navy Training and Administration of the Reserves (TARS), Marine Corps Active Reserve (ARs) and Coast Guard eserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). 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. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services p nods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). 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 s rvice. 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 h ve 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 th SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the are protected WARNING: This certificate was provided based on a last name, SSN, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Report ID: JUOSMKC25N KML Law Group, P.C. Suite 5000 - BNY Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE OF THE SECURITY NATIONAL MORTGAGE LOAN TRUST 2005-1 323 5th Street PO Box 35 Eureka, CA 95502 vs. JAMES E. JOHANSEN JR. (Mortgagor(s) and Record owner(s)) 407 East Main Street Mechanicsburg, PA 17055 Plaintiff CIVIL ACTION LAW ACTION OF MORTGAGE Defendant(s) ORDER FOR JUDGMENT No. 2012-00610 Please enter Judgment in favor of U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE OF THE c NATIONAL MORTGAGE LOAN TRUST 2005-1, and against JAMES E. JOHANSEN JR. for failure to file an the above action within (20) days from the date of service oflie\(AWpplaint, in the sum of $95,359.88. By: IN THE COURT OF COMMON of Cumberland County KM LAW GROUP, P.C. hael McKeever Pa. ID 56129 ay E. Kivitz Pa. ID 26769 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Joshua I. Goldman Pa. 205047 Jill P. Jenkins Pa. ID 306588 Attorneys for Plaintiff I hereby certify that the above names are correct and that the precise residence address of the judgment cred. U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE OF THE SECURITY NATIONAL MORTGAGE LOAN 2005-1 323 5th Street PO Box 35 Eureka, CA 95502 and that the name(s) and last known address(es) of the Defendai is/are JAMES E. JOHANSEN JR., 407 East Main Street *A i sburg, PA 17055; By: L LAW GROUP, P.C. ichael McKeever Pa. ID 56129 ay E. Kivitz Pa. ID 26769 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Joshua I. Goldman Pa. 205047 Jill P. Jenkins Pa. ID 306588 Attorneys for Plaintiff in is :UST ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly assess the damages in this case to be as follows: Principal Balance $79,551.66 Interest from 01/01/2011 through $11,273.65 07/13/2012 Reasonable Attorney's Fee $1,450.00 Late Charges $2,866.53 NSF Charge $60.00 Prior Servicer Corporate Advance $158.04 $95,359.88 By: L LAW GROUP, P.C. hael McKeever Pa. ID 56129 Jay E. Kivitz Pa. ID 26769 Lee P a. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Joshua 1. Goldman Pa. 205047 Jill P. Jenkins Pa. ID 306588 Attorneys for Plaintiff AND NOW, this da of CJ? 1 Y y 12012 dama are ed e. Pro Prothy 2012-00610/109613FC PRAECIPE FOR WRIT OF EXECUTION - (MORTGAGE F ORECLOS ?- = P.R.C.P 3180-3183 ?a? rr _t KML Law Group, P.C. f.-Z © ?a• C3 Suite 5000 - BNY Independence Center t 3p, C") ? ?-- 701 Market Street Q t- Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE OF THE SECURITY NATIONAL MORTGAGE LOAN TRUST 2005-1 323 5th Street PO Box 35 Eureka, CA 95502 Plaintiff VS. JAMES E. JOHANSEN JR. Mortgagor(s) and Record Owner(s) 407 East Main Street Mechanicsburg, PA 17055 Defendant(s) IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOS No. 2012-00610 PRAECIPE FOR WRIT OF EXECUTION TO THE PROTHONOTARY: Issue Writ of Execution in the above matter: Amount Due Interest from 7/14/2012 to Date of Sale per diem at $20.11 (Costs to be added) a So' a a ?B•00 ?o3.15« t4- So « amt,,, $95,359.88 By: L LAW GROUP, P.C. ichael McKeever Pa. ID 56129 Jay E. Kivitz Pa. ID 26769 Lisa Lee Pa. ID 78020 Kristin Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Joshua I. Goldman Pa. 205047 Jill P. Jenkins Pa. ID 306588 Attorne s for Plaintiff az"We a &50 w ck 71(oV-Q, 2 ?1.0 > 8 /093 ?? ?? w a a z O o ? 0 ?O o U N ? 00 N H z? O O U W x H z w Wa H E-?z xd ?. o ¢w O u E- F" O ao ¢z? O zQ Oz H >- z x x:D ¢w as .w ?x z O w z c W O x ? ° ? ? ° W oocd O w d`z b9 ? a ti FN ? W Q x a U ts: 3 a a x U U ? o c a.v?QcNn a -? C3 ? a Z xoo a ALL that lot, piece or parcel of land situate in the Borough Of Mechanicsburg, County of Cumberland and Commonwealth of Pennsylvania, being more particularly described as follows. BEGINNING at a point on the Northern right of way line of East Main Street, which point is 11.00 feet North of the curb line of said East Main Street and which point is also 117.10 feet East Of the Eastern curb line of Chestnut Street, thence extending along land now or late of Emma L. Ritter and passing through the center of a partition wall, North 27 degree 30 minutes West 107.80 feet to a point in line land of Penn Central Railroad Company, thence along the same North 72 degrees 41" 53" East 26.87 feet to a corner of land now or late of the Hellenberger Estate, thence along the same, South 25 degrees 35' 30" East, 103.10 feet to a point on the Northern right of way line of East Main Street aforesaid, thence along the same, South 62 degrees 30' West 23.00 feet to the point and place of beginning. TAX PARCEL #: 23-0565-0158 BEING KNOWN AS: 407 East Main Street, Mechanicsburg, PA 17055 Being the same premises by deed dated 9/28/89, given by William Clarence Ensminger and Ki Joyce Ensminger, his wife to James E. Johansen Jr. and recorded 9/28/89 in Book E34 Page 748. KML Law Group, P.C. Suite 5000 - BNY Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff TAK PROMS ?all Jul- 18 w 10*. 23 U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE OF THE SECURITY NATIONAL MORTGAGE LOAN TRUST 2005-1 323 5th Street PO Box 35 Eureka, CA 95502 Plaintiff vs. JAMES E. JOHANSEN JR. Mortgagor(s) and Record Owner(s) 407 East Main Street Mechanicsburg, PA 17055 Defendant(s) of Cumberland County CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOS NO. 2012-00610 CERTIFICATION AS TO THE SALE OF REAL PROPERTY Plaintiff, by counsel, hereby certifies that it has complied with the provisions of Act 91 of 1983 and/or he real property in question is not subject to the Act. By: L LAW GROUP, P.C. ichael McKeever Pa. ID 56129 Jay E. Kivitz Pa ID 26769 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Joshua I. Goldman Pa. 205047 Jill P. Jenkins Pa. ID 306588 Attorneys for Plaintiff AND COUNTY >YLV1kN1A' IN THE COURT 01 COMMON PLEAS KML Law Group, P.C. Suite 5000 - BNY Independence Center 701 Market Street Philadelphia, PA 19106 (` . J H FJ1' OTHONOTAR ;' 215-627-1322 Attorney for Plaintiff LOIZ jUL 18 AM 10: 23 U.S. BANK NATIONAL ASSOCIA190MBULAND C01 TRUSTEE OF THE SECURITY NATIOTPONSYLVAN) MORTGAGE LOAN TRUST 2005-1 323 5th Street PO Box 35 Eureka, CA 95502 Plaintiff vs. JAMES E. JOHANSEN JR. (Mortgagor(s) and Record Owner(s)) 407 East Main Street Mechanicsburg, PA 17055 Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129 No. 2012-00610 U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE OF THE SECURITY NATIONAL MORTGAG LOAN TRUST 2005-1, Plaintiff in the above action, by counsel, KML Law Group, P.C., sets forth as of the date the for the writ of execution was filed the following information concerning the real property located at: 407 East Main Street Mechanicsburg, PA 17055 1.Name and address of Owner(s) or Reputed Owner(s): JAMES E. JOHANSEN JR. 407 East Main Street Mechanicsburg, PA 17055 2. Name and address of Defendant(s) in the judgment: JAMES E. JOHANSEN JR. 407 East Main Street Mechanicsburg, PA 17055 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 Carlisle, PA 17013 PA DEPARTMENT OF PUBLIC WELFARE - Bureau of Child Support Enforcement Health and Welfare Bldg. - Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 IN THE COURT OF COMMON of Cumberland County CIVIL ACTION - LAW ACTION OF MORTGAGE BOROUGH OF MECHANICSBURG W. STRAWBERRY @ NORTH MARKET STREET MECHANICSBURG, PA 17055 BOROUGH OF MECHANICSBURG 36 WEST ALLEN STREET MECHANICSBURG, PA 17055 CUMBERLAND COUNTY ADULT PROBATION 1 Courthouse Square Carlisle, PA 17013 BOROUGH OF MECHANICSBURG C/O DAVID J. SPOT-FS ESQUIRE 36 W ALLEN STREET MECHANICSBURG, PA 17055 4. Name and address of the last recorded holder of every mortgage of record: BANC ONE CONSUMER DISCOUNT COMPANY 905 GERMANTOWN PIKE STE 102 NORRISTOWN, PA 19401 BENEFICIAL CONSUMER DISCOUNT CO. 961 Weigel Drive Elmhurst, IL 60126 BENEFICIAL CONSUMER DISCOUNT CO. PO Box 9068 Brandon, FL 33509 BENEFICIAL CONSUMER DISCOUNT COMPANY DBA BENEFICIAL MORTGAGE CO OF PENNSYLVANIA 4810 CARLISLE PIKE #104 MECHANICSBURG, PA 17065 BANC ONE CONSUMER DISCOUNT COMPANY 805 GERMANTOWN PIKE STE 102 NORRISTOWN, PA 19401 BENEFICIAL CONSUMER DISCOUNT COMPANY DBA BENEFICIAL MORTGAGE CO OF PENNSYLVANIA 4910 CARLISLE PIKE STE#104 MECHANICSBURG, PA 17055 5. Name and address of every other person who has any record interest in or record lien on the property and whose may be affected by the sale: 6. Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the which may be affected by the sale. • 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. TENANTS/OCCUPANTS 407 East Main Street Mechanicsburg, PA 17055 I verify that the statements made in this affidavit are true and correct to the best of my information and understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to falsification to authorities. DATED: 1`6 w By: L LAW GROUP, P.C. Michael McKeever Pa. ID 56129 ay E. Kivitz Pa. ID 26769 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Joshua I. Goldman Pa. 205047 Jill P. Jenkins Pa. ID 306588 Attorneys for Plaintiff 2012-00610 KML Law Group, P.C. _ rl•;' F i CE Suite 5000- BNY Independenc0i4??T 701 Market Street lJ 1 ?' Philadelphia, PA 19106 (215) 627-1322 2012 Attorney for Plaintiff n t Itia RL ND.2u'u"T Y U.S. BANK NATIONAL AS90CIATION, AS TRUSTEE OF THE SECURITY NATIONAL MORTGAGE LOAN TRUST 2005-1 323 5th Street PO Box 35 Eureka, CA 95502 IN THE COURT OF COMMON PLEAS Plaintiff vs. JAMES E. JOHANSEN JR. Mortgagor(s) and Record Owner(s) 407 East Main Street Mechanicsburg, PA 17055 Defendant(s) of Cumberland County CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE Docket No. 2012-00610 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: JOHANSEN JR., JAMES E. JAMES E. JOHANSEN JR. 407 East Main Street Mechanicsburg, PA 17055 Your house at 407 East Main Street, Mechanicsburg, PA 17055 is scheduled to be sold at Sheriffs Sale on Wednesday, December 05, 2012, at 10:00 AM, in Commissioners Hearing Rm 2nd FL Courthouse to enforce the court judgment of $95,359.88 obtained by U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE OF THE SECURITY NATIONAL MORTGAGE LOAN TRUST 2005-1 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: 2012-00610 1. The sale will be cancelled if you pay to U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE OF THE SECURITY NATIONAL MORTGAGE LOAN TRUST 2005-1, the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay call our office at 215-825-6329 or 1-866-413-2311. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also 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 below on 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 NOT TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid price by calling the Sheriff of 717-240-6390. 2. 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. 3. 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 the Sheriff of 717-240-6390. 4. 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. 5. 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. 6. 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 within thirty (30) days from the date of the Sheriffs Sale. This schedule will state who will be receiving that 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 schedule of distribution is filed. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. 8. You may contact the Foreclosure Resource Center: http://www.philadelphiafed.orgiforeclosure/ 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 BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 2012-00610 Resources available for Homeowners in Foreclosure ACT NOW! Even though your lender (and our client) has filed an Action of Mortgage Foreclosure against you, you still may be able to SAVE YOUR HOME FROM FORECLOSURE. 1). Call an attorney. For referrals to a qualified attorney call either of the following numbers: or 717-243-9400. 2). Call the Consumer Credit Counseling Agency at 1-800-989-2227 for free counseling. 3). Visit HUD'S website www.hud.gov for Help for Homeowners Facing the Loss of Their Homes. 4). Pennsylvania Housing Finance Agency also offers other loan programs that may assist homeowners in default. Please See the PHFA website http://www.phfa.org/consumers/homeowners/real.aspx. 5). Call the Plaintiff (your lender) at and ask to speak to someone about Loss Mitigation or Home Retention options. 6). Call or contact our office to request the amount to bring the account current, or payoff the mortgage or request a Loan Workout / Home Retention Package. Call our toll free number at 1-866-413-2311 or via email at homeretention@kmllawgroup.com.com. Call Seth at 215-825-6329 or fax 215-825- 6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215- 825-6318 or Fax: 215-825-6418. Please reference our Attorney File Number of 109613FC. Para informacion en espanol puede communicarse con Loretta al 215-825-6344. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO. 12-610 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE OF THE SECURITY NATIONAL MORTGAGE LOAN TRUST 2005-1 Plaintiff (s) From JAMES E. JOHANSEN JR. (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: $95,359.88 L.L.: S.50 Interest 7/14/12 TO DATE OF SALE PER DIEM AT $20.11 Atty's Comm: % Due Prothy: $2.25 Atty Paid: $189.25 Other Costs: Plaintiff Paid: Date: 7/18/12 r David D. Buell, Prothonotary (Sea)) o . ??.C?2111 Deputy C.. REQUESTING PARTY: Name: LISA LEE, ESQUIRE Address: KML LAW GROUP, P.C. SUITE 5000-BNY INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106 Attorney for: PLAINTIFF Telephone: 215-627-1322 Supreme Court ID No. 78020 ~- I~VII. LAW GROUP, P.C. Suite 5000 BNY Mellon Independence Center ; . E ,< <, 701 Market Street ` ` ' ° €~' ' -~~=- Philadelphia, PA 19106-1532 '~ ~ ~ t;~ ~.~ „ ~ ~ ~ `~ 215-627-1322 `~ ~-' ~~ t ~„~; ,- ,, r Attnrnav fnr Plaintiff ;,, ~~.{:~,,}_, U.S. BANK NATIONAL ASSOCIAII'`~~ ' ~ ~-~~~~.r'~''` TRUSTEE OF THE SECURITY NATIONA 4' "{ ~ ~ ~ {'~ MORTGAGE LOAN TRUST 2005-1 323 5th Street PO Box 35 Eureka, CA 95502 Plaintiff vs. JAMES E. JOHANSEN JR. Mortgagor(s) and Record Owner(s) 407 East Main Street Mechanicsburg, PA 17055 Defendants} CERTIFICATE OF SERVICE PURSUANT TO Pa.RC.P. 3129.2 (c) (2) Term No. 2012-00610 Keith G Halili, an employee of KML Law Group, P.C., counsel of Plaintiff, hereby certifies that service on the Defendants of the Notice of Sheriff Sale was made by: Personal Service by the Sheriffs Office/oe~(copy of return attached). ( ) Certified mail by KML Law Group, P.C. (original green Postal return receipt attached). ( ) Certified mail by Sheriffs Office. ( ) Ordinary mail by KMI, Law Group, P.C. to Attorney for Defendant(s) of record (proof of mailing attached). ( ) Acknowledgment of Sheriffs Sale by Attorney for Defendant(s) (proof of acknowledgment attached). ( ) Ordinary mail by Sheriffs Office to Attorney for Defendant(s) of record. IF SERVICE WAS ACCOMPLISHED BY COURT ORDER ( ) Premises was posted by Sheriffs Office/competent adult (copy of return attached). ( ) Certified Mail & ordinary mail by Sheriff s Office (copy of return attached). ( ) Certified Mail & ordinary mail by KML Law Group, P.C. (original receipt(s) for Certified Mail attached). ( ) Published in accordance with court order (copy of publication attached). Pursuant to the Affidavit under Rule 3129 (copy attached), service on all lienholders (if any) has been made by ordinary mail KML Law Group, P.C. (copies of proofs of mailing attached). The undersigned understands that the statements herein are subject to the penalties provided by 18 P.S. Section 4904. Respectfully submitted, ;-,sue C~'~,f?.~ BY: Keith .Halili Legal Assistant 109613FC CF: 02/01/2012 SD: 12/05/2012 $95,359.88 IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE 0 ¢LL ------ ---- o j ~ ~~~ ~"'r""""'°wa ,M ~ 05.72° ~ J ETAT '~" b 0 2 0004285957 dUL26 2012 ro ~ zpcooe feta$ ~ ~ L 2 6 ?Q12 ' m °C d ____ _ ------ ------ - o m m ° ~- o m ~ `y O O w w m _ m -- z z z~ ~- ~ a ~ O ~ O ~m 00 j m0 v < ~- OU cUn vUi cUn ~ O ~ U ~ ~ a > m ~ fl w- ~Y I.L. f0T m ~T _ QU o ~ ~ W Q . U o r o- ~d m. so g Q Y W a W ~ W ~ W LL ~w m ~ W Y ~ a rn li w N ¢ ~ ~~ o ~ ~ = . cG Z ~ ~ ~ Z W _ ~ Z W Z E~~~= ~~ Z O p m p ,°n Om¢a m z p a mQa' oC j = a a»a~m eo m LL O H- U Z _ U~ Q U ~ JOD UmJ~ JO (n m O ~ U H Z Q ~ m~J ~ ~ U ' vvi 7 .$~ ~ m ~ ~_~'~ >-~ J Q a aoLL S. ¢rrn~ U z g O ~- ~n~ O ~ m o ,~ Z ~ ¢WO 0 li m Z~ LL x O Zm c ILLgZU Z o o ¢ Wp. C'3 ¢ZUO ~0 pW Z Z ~ ~ m z2 w ~ - U Z Wm - ~, m m o a aooi-. mUrntn w~ mrn wo ~ mam wou.,a mUOv w a ~ m of-o wmZ ou..~F- UO~u~ w F- m ~ o $ c t m ~ c ~~ _ Z O ~ E ~ Z g LIJ H m ~ o ~ o ~¢ N ~ Q ,~ _ c N ~ o ~- Q ~ ? C ~ m ~ W ~ ~ ~ p= ¢ ~ ~ J ~ b ¢¢¢~ ~ U U_ U o ~ m= ~ m ~ ~ Q m~ ~° ^ ~ ~^ ~ LL 0 -~ O O ~ C ¢ m }- U (r tl7 ~ m U ~ O ¢ Cn U ~. E ~ Z W I ~_~ ~ _ r` ZO N qZ _ Z~ Q ¢W ~' ~ ZW Qm ` 'Z E n ~~ ~ "' ~ j m zcn m ~ WY r ~a O W~ ~ ~z s O a U ~ WOW ~a~ ~- aC r- = a O m O ~ o~o ~ U N¢ n , QUA ~ S~ ' U Y¢ ' Q J ~ S,QW a o Om~' ~ UOOw F-}}t7 - mF- x pj ¢pc a ~ C 3q ~ ~¢ F- Z U q ~(A Qt W.~ C7jJ. ~q,Q _ m ~' ^00^ Y WZm y ~~ ~ W ~r o m ~ ao OF- ~ aCm = OW U ac3 m ~ ~ o• Op o= ~ m ~ i 000 ~a oUaU ¢ ~ m am= ao O 2 m~ W Om ~ mco ~U U.- OQ~ mUco a c m ~ b a_ ® E v z'~ ` E m c ' t- ~ ~ z ~ Wa q c~n 4 Q ~. m m ~Y~W~Iy °v ~ ~p'nQp~- ~~ ~~IW--~J z ~m O ~ p = r r N Ch 't7 LL~ CO r, t7D H N ~. O C 7 I m O ~ 0 g t0 ~ i ~ ~, .a W ~ ~ Z ~ U a " o ti W ~ ~ ~ r' W uWi o Q 0.. r ~ t SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor US Sank National Association vs. James E Johansen, Jr ~~ ~~;. car ~ ~~~a~~F Case Number 2012-610 SHERIFF'S RETURN OF SERVICE 10/04/2012 10:29 AM -Deputy Ronald Hoover, being duly sworn according to law, states service was performed by posting a true copy of the requested Real Estate Writ, Notice and Description, and Sale Handbill in the above titled action, upon the property located at 407 East Main Street, Mechanicsburg Borough, Mechanicsburg, PA 17055, Cumberland County. 10/09/2012 05:42 PM -Deputy Stephen Bender, being duly sworn according to law, served the requested Rea{ 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: James E Johansen, Jr at 407 East Main Street, Mechanicsburg Borough, Mechanicsburg, PA 17055, Cumberland County. SHERIFF COST: $909.20 October 25, 2012 SO ANSWERS, RON R ANDERSON, SHERIFF (<; Gounty5uies 5hanff. Teleoscft. Inc. ~ KML LAW GROUP, P.C. Suite 5000 - BNY Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-825-6320 Attorney for Plaintiff U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE OF THE SECURITY NATIONAL MORTGAGE LOAN TRUST 2005-1 323 5th Street PO Box 35 Eureka, CA 95502 Plaintiff vs. JAMES E. JOHANSEN JR Mortgagor(s) and Record Owner(s) 407 East Main Street Mechanicsburg, PA 1.7055 Defendant(s) IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE Term No. 2012-00610 AFFIDAVIT PURSUANT TO RULE 3129 U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE OF THE SECURITY NATIONAL MORTGAGE LOAN TRUST 2005-1, Plaintiff in the above action, by and through an authorized employee of its attorneys, KML Law Group, P.C., sets forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located at: 407 East Main Street Mechanicsburg, PA 17055 l.Name and address of Owner(s) or Reputed Owner(s): JAMES E. JOHANSEN JR. 407 East Main Street Mechanicsburg, PA 17055 2. Name and address of Defendant(s) in the judgment: JAMES E. JOHANSEN JR. 407 East Main Street Mechanicsburg, PA 17055 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 Carlisle, PA 17013 PA DEPARTMENT OF PUBLIC WELFARE -Bureau of Child Support Enforcement Health and Welfare Bldg. -Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 BOROUGH OF MECHANICSBURG W. STRAWBERRY @ NORTH MARKET STREET MECHANICSBURG, PA 17055 BOROUGH OF MECHANICSBURG 36 WEST ALLEN STREET MECHANICSBURG, PA 17055 CUMBERLAND COUNTY ADULT PROBATION 1 Courthouse Square Carlisle, PA 17013 BOROUGH OF MECHANICSBURG C/O DAVID J. SPOTTS ESQUIRE 36 W ALLEN STREET MECHANICSBURG, PA 17055 4. Name and address of the last recorded holder of every mortgage of record: BANG ONE CONSUMER DISCOUNT COMPANY 905 GERMANTOWN PIKE STE 102 NORRISTOWN, PA 19401 BENEFICIAL CONSUMER DISCOUNT CO. 961 Weigel Drive Elmhurst, IL 60126 BENEFICIAL CONSUMER DISCOUNT CO. PO Box 9068 Brandon, FL 33509 BENEFICIAL CONSUMER DISCOUNT COMPANY DBA BENEFICIAL MORTGAGE CO OF PENNSYLVANIA 4810 CARLISLE PIKE #104 MECHANICSBURG, PA 17065 BANG ONE CONSUMER DISCOUNT COMPANY 805 GERMANTOWN PIKE STE 102 NORRISTOWN, PA 19401 . ~ BENEFICIAL CONSUMER DISCOUNT COMPANY DBA BENEFICIAL MORTGAGE CO OF PENNSYLVANIA 4910 CARLISLE PIKE STE# 104 MECHANICSBURG, PA 17055 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: 6. Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the property which may be affected by the sale. 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. TENANTS/OCCUPANTS 407 East Main Street Mechanicsburg, PA 17055 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. DATED: November 21, 2012 KML Law Group, P.C. BY: Keith C. Halili Legal Assistant