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12-3093
UDREN LAW OFFICES, P.C. BY: MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - H3#45362 LORRAINE GAZZARA DOYLE, ESQUIRE - ID#34576 ALAN M. MINATO, ESQUIRE - HM5860 SHERRI J. BRAUNSTEIN, ESQUIRE - ID#90675 SALVATORE CAROLLO, ESQUIRE -113#311050 PAIGE M. BELLINO, ESQUIRE -113#309091 HARRY B. REESE, ESQUIRE - ID#310501 AMY GLASS, ESQUIRE - ID#308367 KASSIA FIALKOFF, ESQUIRE - ID#310530 ELIZABETH L. WASSALL, ESQUIRE - ID#77788 AGNES MOMBRUN, ESQUIRE - ID#309356 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com HSBC Bank USA, N.A., as Trustee for the Registered Holders of Renaissance Equity Loan Asset-Backed Certificates, Series 2007-3 C/O Ocwen Loan Servicing, LLC 1661 Worthington Road #100 West Palm Beach, FL 33409 Plaintiff V. EDWARD G. MENTZER 100 VALLEY STREET SUMMERDALE, PA 17093 LAURIE A. MENTZER 100 VALLEY STREET SUMMERDALE, PA 17093 Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND County NO. 1 ot -3091 3 Aw COMPLAINT IN MORTGAGE FORECLOSURE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights a Ck- 0SID ?.? says important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYERS REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (800) 990-9108 AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se dafiende, la cone tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (800) 990-9108 NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. UDREN LAW OFFICES, P.C. /s/ Mark J. Udren, Esquire Woodcrest Corporate Center 111 Woodcrest Road, Suite 200 Cherry Hill, NJ 08003-3620 (856) 669-5400 I. Plaintiff is the entity designated in the caption on a preceding page. Plaintiff is the legal holder of the Mortgage that is the subject of this Action. Plaintiff is either the current mortgagee of record, is the legal holder of the Mortgage by virtue of being successor in interest to the current mortgagee of record, or is the legal holder of the Mortgage by virtue of Assignment of Mortgage. If Plaintiff is the legal holder of the Mortgage by virtue of Assignment of Mortgage, it is by the following Assignments of Mortgage, all of which have either been recorded or Plaintiff is in the process of formalizing the actual Assignment of Mortgage in Plaintiff s favor: Assignor: Mortgage Electronic Registration Systems, Inc., as nominee for Fidelity Mortgage a division of Delta Funding Corporation Assignee: HSBC Bank USA, N.A., as Trustee for the Registered Holders of Renaissance Equity Loan Asset-Backed Certificates, Series 2007-3 Date of Assignment: Recorded Date: Book/Instrument #: Page: 2. Upon information and belief Defendant(s) and/or their predecessor: Laurie A. Mentzer & Edward G. Mentzer (hereinafter "Defendants"), are the owners of property located at 100 Valley Street, Summerdale, PA 17093, by virtue of Deed dated 03/31/2000 and recorded 04/05/2000 in Official Records Book 218 at Page 956 of the Public Records of Cumberland County, Pennsylvania (hereinafter the 'Property"). 3. On 04/21/2007, Defendant(s) and/or their predecessor: LAURIE A. MENTZER promised to pay to the order of Fidelity Mortgage a division of Delta Funding Corporation, the principal sum of $ 156,000.00 payable with interest thereon provided in the Note. 4. By Mortgage dated 04/21/2007, Defendant(s) and/or their predecessor: LAURIE A. MENTZER EDWARD G. MENTZER to secure the Note, mortgaged to Mortgage Electronic Registration Systems, Inc., as nominee for Fidelity Mortgage a division of Delta Funding Corporation, the Property which is the subject of this action. The Mortgage was recorded on 05/03/2007 in Official Records Book 1990 at Page 4499. Said Mortgage is incorporated herein by referenced in accordance with Pa.R.C.P 1019(g). A legal description of the mortgage premises is attached hereto and made a part hereof. 5. Said mortgage is in default in that the payment due 06/01/2011, and all subsequent payments have not been made, and by its terms, upon breach and failure to cure said breach after notice, all sums secured by said Mortgage, together with the other charges authorized by said Mortgage and itemized below, shall be immediately due. 6. After demand, the Defendant(s) continues to fail or refused to comply with the terms of the Mortgage as follows: (a) By failing or refusing to pay the installments of principal and interest when due in the amounts indicated below; (b) By failing or refusing to pay other charges, if any, indicated below. The following amounts are due on the said Mortgage or modification agreement as of the date stated below Unpaid Principal Balance $159,461.05 Accumulated Interest $8,899.50 Accumulated Late Charges $344.40 Escrow Deficit/(Reserve) $1,599.39 Title Report $300.00 Attorney Fees $1,300.00 Suspense Balance $-2.24 Property Inspection Fee $67.00 Property Valuation Fee $584.00 Bankruptcy Fee $400.00 Bankruptcy Cost $176.00 Grand Total $173,129.10 The above figures are calculated as of 04/25/2012: The interest rate is subject to adjustment if more fully described as such in the note and mortgage. The interest rate on the subject note is at 5.71969 %. The per diem interest accruing on this debt is $24.93 and that sum should be added each day after the above date. The late charge is subject to adjustment if more fully described as such in the note and mortgage. The late charge rate on the subject note should be added in accordance to the terms of the note and mortgage charged monthly at $49.20. 7. Breach letters have been sent to Defendant(s) in accordance with the requirements of the subject mortgage and/or The Pennsylvania Act 6 of 1974 of the Commonwealth of Pennsylvania and, if applicable, Act 91 of 1983. Copies of the breach letters are attached hereto as Exhibit "A". WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant(s) herein in the sum of $173,129.10 plus ongoing interest, costs and attorneys fees and for sale of the Mortgaged prerruses. hM GLASS, ESQ. P AR # 308367 BAR # 13862010 VERIFICATION The undersigned states that h s is authorized to make this verification on behalf of the Plaintiff, and that the facts set fo in the foregoing pleading are true and correct to the best of the information and belief of the undersigned. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Date:-, ';?-'' l4. Kg@ Name: Title: Co fta Management Coorcunwc Company: HSBC Bank USA, N.A., as Trustee for the Registered Holders of Renaissance Equity Loan Asset-Backed Certificates, Series 2007-3 by its Attorney in fact, Ocwen Loan Servicing LLC. MJU #: 11110678 CASE #: 11110678-2 SCHEDULZ "All ALL THAT CERTAIN PARCEL OF LAND WITH THE BUILDINGS AND IMPROVEMENTS THEREON ERECTED SITUATE IN EAST PENNSBURG TOWNSHIP, CUMBERLAND COUNTY, PENNSYLVANIA, MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS; BEGINNING AT AN IRON PIN ON THE SOUTH SIDE OF WATER STREET ALONG THE RIGHT-OF-WAY LINE; THENCE ALONG THE SOUTH SIDE OF WATER STREET, SOUTH SEVENTY-EIGHT (78) DEGREES FIFTEEN (15) MINUTES EAST, FIFTY-TWO AND TWENTY-NINE-ONE-HUNDREDTHS (52.29) FEET TO A POINT ALONG THE SOUTHERN SIDE OF FIRST STREET, BEING THIRTY (30) FEET FRONT THE CENTERLINE OF FIRST STREET; THENCE ALONG THE SOUTHERN SIDE OF FIRST STREET AND ALONG THE RIGHT-OF-WAY LINE, SOUTH FORTY-ONE (41) DEGREES FIFTY-NINE (59) MINUTES EAST ONE HUNDRED THIRTY-SEVEN AND SIXTY ONE-HUNDREDTHS (137.60) FEET TO A POINT NEAR THE NORTHWEST CORNER OF FIRST AND VALLEY STREETS; THENCE ALONG THE RIGHT OF WAY LINE, SOUTH FIFTY-SIX (56) DEGREES THIRTY-SIX (36) MINUTES WEST, TWELVE AND TWENTY ONE-HUNDREDTHS (12.20) FEET TO A POINT; THENCE SOUTH FIVE (5) DEGREES FIFTEEN (15) MINUTES WEST, THIRTY-FIVE AND THIRTY-FOUR ONE-HUNDREDTHS (35.34) FEET TO A POINT ON THE WESTERN SIDE OF VALLEY STREET; THENCE ALONG THE WESTERN SIDE OF VALLEY STREET AND THE RIGHT-OF- WAY LINE, SOUTH SIXTY-NINE (69) DEGREES EIGHTEEN (18) MINUTES FIFTY (50) SECONDS WEST SIXTY-NINE AND FORTY-EIGHT ONE HUNDREDTHS (69.48) FEET TO A POINT AT LOT NO. 102; THENCE ALONG THE LOT NO. 102, NORTH NINETEEN (19) DEGREES FIFTY (50) MINUTES WEST, ONE HUNDRED NINETY AND SIXTY ONE-HUNDREDTHS (190.60) FEET TO AN IRON PIN AND THE PLACE OF BEGINNING. THIS DESCRIPTION IS TARN FROM A SURVEY BY RONALD S. RAFFENSPERGER, REGISTERED SURVEYOR, DATED FEBRUARY 7, 1972. FOR INFORMATIONAL PURPOSES ONLY_ THE APN IS SHOWN BY THE COUNTY ASSESSOR AS 09-12-2995-050; SOURCE OF TITLE IS BOOK 218, PAGE 956 (RECORDED 04/05/00) I Certify this to be recorded In Cumberland County P Recorder of Deeds ov199OPG4515 MARKI. UDREN, ESQUIRE NJMA1VAGIN6A7719RNEY TB VA MARIER[CH OfiRCEADA9MSMTOR UDREN LAW OFFICES, A . WOODCREST CORPORATE CENTER 919 WOODCREST ROAD SUITE200 0 856. 669.5400 FAX- B56. 669. 5399 FREDDIEMAC PFAAKV/ VAN/A DESIGNATED COUNSEL February 21, 2012 CERTIFIED MAIL RETURN RECEIPT REQUESTED ARTICLE # 7008 1830 0000 6836 5593 Laurie A. Mentzer 100 Valley Street Summerdale, PA 17093 RE: Mortgage Loan dated April 21, 2007 NOTICE OF INTENTION TO FORECLOSE Dear Mortgagor: The Mortgage serviced by Ocwen Loan Servicing and held by HSBC Bank USA, N.A., as Trustee for the registered holders of Renaissance Equity Loan Asset-Backed Certificates, Series 2007-3 (hereinafter we, us or ours) on your property located at 100 Valley Street, Summerdale, PA 17093 IS IN SERIOUS DEFAULT because you have not made the monthly payments of $1,203.88 for the months of June 1, 2011 through February 1, 2012. The last assessed late charge on this account was $49.20 at a late charge rate of 5% for each delinquent payment(s). As of today, late charges have accrued to the total amount of $344.40. Other charges including Property Inspection Fees and Property Valuation Fees/BPO have accrued at the total amount of $640.50. A Suspense Balance of $2.24 has been credited to your account. 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 $11,817.58. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $11,817.58, plus any additional monthly payments and late charges which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made to EXHIBIT UDREN LAW OFFICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NEW JERSEY 08003-3620 If you do not cure the default within THIRTY (30) DAYS, we intend to exercise the lender's 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, the lender also intends to instruct our firm to start a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by the Sheriff or other similar official to pay off the mortgage debt. If you cure the default before we 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 fees will be added to whatever you owe the lender, which may also include our reasonable costs. If you cure the default within the THIRTY (30) DAY period you will not be required to pay attorney's fees. The lender 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 (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's or other similar official foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus 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 or other similar official's sale could be held would be approximately six months from the date of this letter. A notice of the date of the Sheriff's or similar official 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: (856) 669-5400. This payment must be cash, 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 or other similar official 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 or other similar official sale, a lawsuit could be started to evict you. You shall have the :right to assert in the foreclosure proceedings, the non-existence of a default or any other defense that you may have to acceleration or foreclosure. 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 THE 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. UDREN LAW OFFICES, P.C. cc: First Class Mail NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. UDREN LAW OFFICES, P.C. MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 (856) 669-5400 UDREN L4 W OFFICES, A . WOODCREST CORPORATE CENTER MARKJ. UDRFV, ESQL,7RE NJMANAGINGA770RNEY 119 WOODCREST ROAD SUITE200 0 77NA MARIE RICH 856.669.5400 OMMADdfl)1d.4M4719R FAX.• 856. 669. 5399 FREDDIEMAC PENNSYL VAN/A DESIGNATED COUNSEL February 21, 2012 CERTIFIED MAIL RETURN RECEIPT REQUESTED ARTICLE # 7008 1830 0000 6836 5449 Edward G. Mentzer 100 Valley Street Summerdale, PA 17093 RE: Mortgage Loan dated April 21, 2007 NOTICE OF INTENTION TO FORECLOSE Dear Mortgagor: The Mortgage serviced by Ocwen Loan Servicing and held by HSBC Bank USA, N.A., as Trustee for the registered holders of Renaissance Equity Loan Asset-Backed Certificates, Series 2007-3 (hereinafter we, us or ours) on your property located at 100 Valley Street, Summerdale, PA 17093 IS IN SERIOUS DEFAULT because you have not made the monthly payments of $1,203.88 for the months of June 1, 2011 through February 1, 2012. The last assessed late charge on this account was $49.20 at a late charge rate of 5% for each delinquent payment(s). As of today, late charges have accrued to the total amount of $344.40. Other charges including Property Inspection Fees and Property Valuation Fees/BPO have accrued at the total amount of $640.50. A Suspense Balance of $2.24 has been credited to your account. 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 $11,817.58. You mah cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $11,811.58, plus any additional monthly payments and late charges which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made to UDREN LAW OFFICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NEW JERSEY 08003-3620 If you do not cure the default within THIRTY (30) DAYS, we intend to exercise the lender's 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, the lender also intends to instruct our firm to start a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by the Sheriff or other similar official to pay off the mortgage debt. If you cure the default before we 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 fees will be added to whatever you owe the lender, which may also include our reasonable costs. If you cure the default within the THIRTY (30) DAY period you will not be required to pay attorney"s fees. The lender 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 (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's or other similar official foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus 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 or other similar official's sale could be held would be approximately six months from the date of this letter. A notice of the date of the Sheriff's or similar official 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: (856) 669-5400. This payment must be cash, 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 or other similar official 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 or other similar official sale, a lawsuit could be started to evict: you. You shall have the :right to assert in the foreclosure proceedings, the non-existence of a default or any other defense that you may have to acceleration or foreclosure. 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 THE 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 same position as if no default not entitled to this right to times in any calendar year. mortgage will be restored to the had occurred. However, you are cure your default more than three LIDREN LAW OFFICES, P.C. cc: First Class Mail NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. UDREN LAW OFFICES, P.C. MARK J. UDREN, ESQUIRE - ID #04302 STUART WMEG, ESQUIRE - ID #45362 LORRAINE DOYLE, ESQUIRE - ID #34576 ALAN M. MINATO, ESQUIRE - ID #75860 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 (856) 669-5400 FORM 1 ?_, w D F IN THE COURT OF COMMON PLEAS Qfnz_ CUMBERLAND COUNTY, PENNSYLV VgTA, Plaintiffs `sW?rJ FuR Qlei ? , CD j s Defendant(s) - r7V I Civil NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in a court-supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer, you must take the following steps to be eligible for a conciliation conference. First, within twenty (20) days of your receipt of this notice, you must contact MidPenn Legal Services at (717) 243-9400 extension '_'510 or (800) 822-5288 extension 2510 and request appointment of a legal representative at no charge to you. Once you have been appointed a legal representative, you must promptly meet with that legal representative within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court. which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer, you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto, your lawyer will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME, YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE. THIS PROGRAM IS FREE. R spect 11 submitte Date [Sign ure of unsel for Plaintiff) AMY GLASS, ESQ. PA BAR # 308367 NJ BAR # 13862,01 FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland County Court of Common Pleas Docket # BORROWER REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance, your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: Borrower name(s): Property Address: City Is the property for sale? Realtor Name: Borrower Occupied? Mailing Address (if different) City: Phone Numbers: Email: # of people in household: Mailing Address: City: Phone Numbers: State: Zip: Yes ? No ? Listing date: Price: $_ Realtor Phone:_ Yes [] No ? State: Zip: Home: Cell: Office: Other: How long? State: Zip: Home: Cell.: Office: Other: Email: # of people in household: How long? First Mortgage Lender: _ Type of Loan: Loan Number: Second Mortgage Lender: Type of Loan: Loan Number: Total Mortgage Payments Amount: $ Date of Last Payment: Priman! Reason for Default: Date You Closed Your Loan: Included Taxes & Insurance: Is the loan in Bankruptcy? Yes ? No ? If yes, provide navies, location of court case number & attorney: Assets Amount Owed: Value: Home: $ $ Other Real Estate: $ _ $ Retirement Funds: $ $ Investments: $ _ $ Checking: $ _ $ Savings: $ $ Other: $ $ Automobile #1: Model: Year: Amount owed: _ Value: Automobile 42: Model: Year: _ Amount owed: Value: ats, motorcy Other transportation (automobiles bo cles): Model: Year: Amount owed: Value Monthly Income Name of Employers: 1. Additional Income Description (not wages): I . monthly amount: monthly amount: Borrower Pay Days: Co-Borrower Pay Days: Monthly Expenses: (Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT _ Mortgage Food 2" iviorta?e Utilities Car Payment(s) _ Fees Condo/Neigh Auto Insurance Med. (not covered) Auto fuel/repairs Other prop. payment Install. Loan Payment Cable TV Child Su ort/Aiim. SpendingMoney Day/Child Care/Tuit. Other Expenses I Amount Available for Monthly Mortgage Payments Based on Income & Expenses: Have you been working with a Housing Counseling Agency? Yes ? No El If yes, please provide the following information: Counseling .Agency: C'nunselor- _ Phone (Office): Fax: Email: Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance? Yes ? No ? If yes, please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? Yes ? No ? If yes. please indicate the status of those negotiations: Please provide the following information, if know, regarding your lender or lender's loan servicing company: Lender's Contact (Name): Phone: Servicing Company (Name): Contact: Phone: UWe, , authorize the above named to use/refer this information to my lender/servicer for the sole purpose of evaluating my financial situation for possible mortgage options. I/We understand that I/we am/are under no obligation to use the services provided by the above named Borrower Signature Co-Bo-rower Signature Date Date Please forward this document along with the following information to lender and lender's counsel: Proof of income Past 2 bank statements V! Proof of any expected income for the last 45 days V Copy of a current utility bill Letter explaining reason for delinquency and any supporting documentation (hardship letter) V Listing agreement (if property is currently on the market) FORM 3 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYLVANIA Ilia tiff(s) Rse-)c vs. cdword r"uh rela, Defendant(s) CIVIL REQUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order dated . 2012 governing the Cumberland County! Residential Mortgage Foreclosure Diversion Program, the undersigned hereby certifies as follows: 1. Defendant is the owner of the real property which is the subject of this mortgage foreclosure action; 2. Defendant lives in the subject real property, which is defendant's primary residence; 3. Defendant has been served with a "Notice of Residential Mortgage Foreclosure Diversion Program" and has taken all of the steps required in that Notice to be eligible to participate in a court-supervised conciliation conference. The undersigned verifies that the statements made herein are true and correct. I understand that false statements are made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. Signature of Defendant's Counsel/Appointed Date Legal Representative Signature of Defendant Date Signature of Defendant Date UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF BY: MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID#45362 LORRAINE GAZZARA DOYLE, ESQUIRE - ID#34576 ALAN M. MINATO, ESQUIRE - ID#75860 SHERRI J. BRAUNSTEIN, ESQUIRE - ID#90675 SALVATORE CAROLLO, ESQUIRE - ID#311050 PAIGE M. BELLING, ESQUIRE - ID#309091 HARRY B. REESE, ESQUIRE - ID#310501 AMY GLASS, ESQUIRE - ID#308367 KASSIA FIALKOFF, ESQUIRE - ID#310530 ELIZABETH L. WASSALL, ESQUIRE - ID#77788 AGNES MOMBRUN, ESQUIRE - ID#309356 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadinys(&,,udren.com HSBC Bank USA, N.A., as Trustee for the Registered Holders of Renaissance Equity Loan Asset-Backed Certificates, Series 2007-3 1661 Worthington Road #100, West Palm Beach, FL 33409 Plaintiff V. EDWARD G. MENTZER 100 VALLEY STREET SUMMERDALE, PA 17093 LAURIE A. MENTZER 100 VALLEY STREET SUMMERDALE, PA 17093 Defendant(s) TO THE PROTHONOTARY: I s ?' JO COUUT z y4 u' Nip, 1 A COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND County .3 NO. 30 a ENTRY OF APPEARANCE Kindly enter the appearance of the following counsel: Mark J. Udren, Esquire; Stuart Winneg, Esquire; Lorraine Doyle, Esquire; Alan M. Minato, Esquire, Sherri J. Braunstein, Esquire; Paige M. Bellino, Esquire; Harry B. Reese, Esquire; Amy Glass, Esquire; Kassia Fialkoff, Esquire; Salvatore Carollo, Esquire; Elizabeth L. Wassall, Esquire; Agnes Mombrun, Esquire; on behalf of the Plaintiff, in the above-captioned matter. T BAR # 13862010 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor ,t 91t,???'T v1 C dfiulfrr/,ii !o t r tt gsr ? ', _ r* r?P, f y??h??litt C)r. ? , . •. HSBC Bank USA, N.A. vs. Edward G. Mentzer (et al.) Case Number 2012-3093 SHERIFF'S RETURN OF SERVICE 05/25/2012 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: Edward G. Mentzer, but was unable to locate him in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure and Notice of Residential Mortgage Foreclosure Diversion Program as not found as to the defendant Edward G. Mentzer. Request for service at 100 Valley Street, Summerdale, Pennsylvania 17093 is vacant. Deputies were advised Edward G. Mentzer moved out years ago. 05/25/2012 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: Laurie A. Mentzer, but was unable to locate her in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure and Notice of Residential Mortgage Foreclosure Diversion Program as not found as to the defendant Laurie A. Mentzer. Request for service at 100 Valley Street, Summerdale, Pennsylvania 17093 is vacant. Deputies were advised Laurie A. Mentzer moved out years ago. SHERIFF COST: $70.00 May 25, 2012 SO ANSWERS, RON R ANDERSON, SHERIFF (c; Coi m5;5uite are! ff Te: 0soft in;; UDREN LAW OFFICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF HSBC Bank USA, N.A., as Trustee for the COURT OF COMMON PLEAS Registered Holders of Renaissance Equity CIVIL DIVISION Loan Asset-Backed Certificates, Series Cumberland County 2007-3 Plaintiff V. EDWARD G. MENTZER; LAURIE A. MENTZER; et al Defendant(s) NO. 12-3093-CIVIL PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Kindly reinstate the Complaint on the above-captioned matter. DATE: ( l Z3 j 122. UDREN LAW OFFICES, P.C. f & 37 I ca S .G BY:.?;%???? XG "J Attorneys for Plaintiff ELIZABETH L WASSALL, ESQ PA ID 77788 0 G,?# 3l0?7 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor °la"r a{ ??tar?br?????? 0FF THE PRO T HN"'o 2012 JUL 12 AM 8: 03 CUNERLANU COLIN Y PENNSYLVANIA HSBC Bank USA, N.A. vs. Edward G. Mentzer (et al.) Case Numb, 2012-3093 SHERIFF'S RETURN OF SERVICE 07/06/2012 08:20 PM - Amanda Cobaugh, Deputy Sheriff, who being duly sworn according to law, states that on my 6, 2012 at 2020 hours, she served a true copy of the within Complaint in Mortgage Foreclosure, upon he within named defendant, to wit: Edward G. Mentzer, by making known unto himself personally, at 6 Chester Road, Enola, Cumberland County, Pennsylvania 17025 its contents and at the same time ha in to him personally the said true and correct copy of the same. AMANDA COBAUGH, DEPT Tl 07/09/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent sez and inquiry for the within named defendant to wit: Laurie A. Mentzer, but was unable to locate her in h bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure as not found as to the defendant Laurie A. Mentzer. Request for service at 6 Chester Road, Enola, Pennsylvania 17025 the Defendant was not found. Deputies were advised, Laurie A. Mentzer is thought to be residing in South Carolina. SHERIFF COST: $64.00 July 09, 2012 SO ANSWERS, R ANDERSON, SHERIFF ic! Ccun•,.,Suite Shertt, To.... ft . I;,;;. UDREN LAW OFFICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF HSBC Bank USA, N.A., as Trustee for the COURT OF COMMON PLEAS Registered Holders of Renaissance Equity CIVIL DIVISION Loan Asset-Backed Certificates, Series Cumberland County 2007-3 Plaintiff NO. 12-3093-CIVIL V. LAURIE A. MENTZER; et al Defendant(s) PRAECIPE TO FILE PROOF OF SERVICE TO THE PROTHONOTARY: UDREN LAW OFFICES, P.C. Kindly file the attached Proofs of Service with regard to the captioned matter. Date: l Z ZIP Z ::0 70 C) cnc? ca ? ?, o • : 4: 'PP Cl BY:? Attorney for Plaintiff EUZANTH L WASSALL, ESQ PA ID 77788 HS$C Bank USA, NA as Trustee, et. al., Plaintiff(s) ysk Laurie A. Mentzer, et. al., Defendant(s) Service of Process by APS International, Ltd. 1-800-328-7171 APS International Plaza 7800 Glenroy Rd. Minneapolis, MN 55439-3122 APS File #: 117953-0001 UDREN LAW OFFICES Ms. Courtney Myers 111 Woodarest Rd., Ste. 200 Cherry Hill, NJ 08003-3620 --Laurie A. Mentzer Court Case No. Cumberland Co 12-3093-Civil State of. ss. County of: ) Name of Server: undersigned, being duly sworn, deposes and says that at the time of service, s/he was of legal age and was not a party to this action; Date/Time of Service: that on the Qz-, day of ?.?? , 20 /, at d f? o'clock P-M Place of Service: Documents Served: Service of Process on: Person Served, and Method of Service: at 600 Deer Creek Road, Unit E . in Myrtle Beach, SC 295757-5213 the undersigned served the documents described as: Complaint in Mortgage Foreclosure A true and correct copy of the aforesaid document(s) was served on: Laurie A. Mentzer By personally delivering them into the hands of the person to be served. By delivering them into the hands of , a person of suitable age, who verified, or who upon questioning stated, that he/she resides with Laurie A. Mentzer at the place of service, and whose relationship to the person is: Description of Person The person receiving documents is described as follows: Receiving Documents: Sex ; Skin Color ; Hair Color Facial Hair Approx. Age Approx. Height Approx. Weight To the best of my knowledge and belief, said person was not engaged in the US Military at the time of service. Signature of Server: Un signed declares under p nalty of perjury Subscribed and sworn to before me this th t e foregoing is an correct. S day of 20 t? Signature of Server Notary Public (Commission xAPS International, Ltd. MY C0M1;, _ .1i ? I r J;7'iRE,'5' 12-20.201 F pig 0 ' !a ` AFFIDAVIT OF SERVICE -- Individual i Service of Process on: UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF r WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com HSBC Bank USA, N.A., as Trustee for the ~ COURT OF COMMON PLEAS _ ,~, _ Registered Holders of Renaissance Equity CIVIL DIVISION . ~~~ .~:-- , _ ~ ; Loan Asset-Backed Certificates, Series 2007-3 Cumberland County ?:~~ ~,; ~`' - ~ 1661 Worthington Road, Suite 100 , } r ` ~ ~' `~' ' West Palm Beach, FL 33409 MORTGAGE FORECLOSURE ,-- . _ ~° -' Plaintiff = `°'' ~ =_' `` V. EDWARD G. MENTZER NO. 12-3093-CIVIL ;.~. rJ ~ C.7 ~,; ~ 6 CHESTER ROAD _ _ ~` r~,. ENOLA, PA 17025-2039 LAURIE A. MENTZER 600 DEER CREEK ROAD MYRTLE BEACH, SC 29575-5213 Defendant(s) PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against the Defendant(s), EDWARD G. MENTZER; LAURIE A. MENTZER; for failure to file an Answer to Plaintiffs Complaint within 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiffs damages as follows: Unpaid Principal Balance Interest Per Complaint Additional Interest Late Charges Per Complaint Additional Late Charges Escrow Per Complaint Title Report Attorney Fees Suspense Balance Property Inspection Fee Property Valuation Fee Bankruptcy Fee Bankruptcy Cost Grand Total FROM TO $159,461.05 $8,899.50 04/26/2012 10/26/2012 $4,587.12 $344.40 04/26/2012 10/26/2012 $344.40 $1,599.39 $300.00 $1,300.00 $-2.24 $67.00 $584.00 $400.00 $176.00 $178,060.62 ~~~ 2 ~~~ N~~ I hereby certify that (1) the addresses of the Plaintiff and Defendant are as shown above, and (2) that notice has been /" given in accordance with Rule 237.1, a copy of which is attached hereto. UDREN LAW FF CES~. . Att ey for Plainti theri . Kno . ESq DAMAGES ARE HEREBY ASSESSED AS INDICATED ID 311 \; DATE: ~ ~ ~ _ nr ~ asp ~ MJU#: 11110678 CASE: 11110678-2 a _ _v:_ ~~-. ~ _-_ . UDREN LAW OFFICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HII,L, NJ 08003-3620 856-669-5400 HSBC Bank USA, N.A., as Trustee for the Registered Holders of Renaissance Equity Loan Asset-Backed Certificates, Series 2007-3 Plaintiff v. EDWARD G. MENTZER, LAURIE A. MENTZER, Defendant(s) ATTORNEY FOR PLAINTIFF .~~ ~~; -~ Tai 'i COURT OF COMMON PLEAS = w ~~` ~ 4 CIVIL DIVISION `'"-" r - `~' -_~ ~. , Cumberland County 'rt~c==' ~" ~-=~ ~`-: ' ~~ c ~ ~.. _' -~ f° c:.:~ ,.., MORTGAGE FORECLOSURE 1 ~ .~ _~ C.~J ...r-; I °'~ r~ r~ N0. 12-3093-CIVIL AFFIDAVIT OF NON-MILITARY SERVICE UNDER Pa.R.C.P 76 THE UNDERSIGNED states based upon a search of the Department of Defense Manpower Data Center for the Defendant(s), that the Defendant(s), LAURIE A. MENTZER, who/each of whom is over 18 years of age'is/are not in active military service as defined in the Servicemembers' Civil Relief Act. The Military Status Report(s) is/are attached hereto as Ezhibit "A". The Affiant lacks sufficient information to be able to determine whether any other Defendants in this action are in active military service because Plaintiff cannot provide date(s) of birth and/or Social Security number(s) for said Defenda'nt(s) to enable a search. This statement is made subject to the penalties of 18 Pa.C.S. §4904 relating to unsworn falsification to authorities. Dated: October 26, 2012 rney for Plaintiff Katherine E. Knowlton, Esq PA ID 311713 _. ~.~. MJU#: 11110678 CASE#: 11110678-2 Department of Defense Manpower Data Center ~~ Pttr~u~t tta Ser~ic~m~mbers Civil belief Acct Last Name: MENTZER First Name: LAURIE Middle Name: A Active Duty Status As Of: Oct-26-2012 Resuks as of :Oct-2&2012 12:11:30 SCRA 2.3 On'Adive Duty On Active Duty ataMrs Dale Active Duty 3}art Dais Active. Duty Erd Date SlNut Servbe Component NA NA No NA This response retleLls the srdivlduels' active duly ataws based on the Active DulyStatus Date LeRAcdve Duly WiWn ~TDeya of Actire'DutyS~nDNe Active ~Y Start DNe ': Active Duly End Gate Stelae Service Component NA `NA -No NA This response reflects where the individual left active. duty stMUS wtstin 387days Preceding the Adne: Duly StaWS Date TheMMmbercrHidHerlbatweehbU6edMaFuemaCaY~UpbAckveDuNanAgivaDucYSteWa.DNS Order Notification StartDe/s Order fication End Date Sfetru< ServiceComponeM NA NA No NA This response reflects whether the indi~iduel w trielher unk try received aedy rrotlfiration to report for active duty Upon searching the data banks of the Department of Defense Manpower beta 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, NOAH, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. s ~' ~++ Mary M. Snavely-Dixon, Director Department of Defense -Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 .. _.. ~. . . .. .. .. . . ~, >~ ~- .• x , ,:. - The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) 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 Servicemembers 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 only 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 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 the "defenselink.mil" URL: http:/lwww.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 may be 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 left 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 for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this cert~cate is defined in accordance with 10 USC § 101(d) (1 ). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a calf 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 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 Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Un'rformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAH 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 Unifom~ed Services periods. 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 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 the 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 SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erconeous certificate to be provided. Certificate ID: 7TBOPQRSOP .,<.. , ., :, .. - .~ - . ., .. ,, , .~ ..... _ .~ .._ .. _,.. r _._. .. _. ~ _. ,...- . -, __ __ `ax: rev '? ~;'2 :^2am X002/005 T~FDREN LAVfr OFF~£ES, P.C. A,.T'I'C~RN~Y FOR PT~AINTl~F woa~cREST CoRPaRA:T~ C>~vTE~ X21 V-TOODGREST ROAD, St3ITE Z00 CRY HiLL,1+T3~ ©8003-36ZQ . 856-669 540E HaSBC Basic USA, N.A., as Trastee for the ;COURT OF GAMMON PLEAS Registered folders of lteuaissance F.~uitp s CIV,II_ DIVISION . Loan Asset aackerl eertificstes, Series ; Cu~berlancl Caguty 2l10'7~ Plai~ttiff v, EDWARD G. ME?~T7.ER, LA~I~R~E A. ME.~iT'~EIL Defendaut(s} TC}: ED~ARy3 G. ME~iTZER b CHESTER ROAD ENOLA, PA X7aZ5-~A~9 Date atNouce: OcCOber I, 2012 MORTGAGE FORECLOSI.~tfi ~ NUJ. X2-3093-CIVIL 0 UVIPORTANT NO'I`1£E YO"Is ARE TN DEFAtiLT BEC,AUSB YOU HAVE FAII.ED TO E~11'ER A'~V'RITTEly' APPEARANCE PERSONALLY OR BY ATTORNEY AND Irk IN wlt'~`II~l'Ci ~i'U"H THE COURT YOUR DEFENSES OR OBJEC`1'IONS TO THE CLA31viS SET FORTH AGA]NST YOU_ UNLESS YOt1 .A.CT wTIT3L~1 TEN DAYS FROM THE I?ATE OF THIS NOTICE, A JE~IDOMENT MAY BB ENTERED AGALN'ST Y OU wIT~IOUT A HEARING AND YOLT MA ~ LOSE YOUR PROPERTY OR OTHER A~XPORTANT T~O~HTS.Y021 SHOULD T AKE THIS PAPER TO YOUR LAWYER A,T ONCE. IF YOU DO NOT Fi~AVE A LAWYER (30 TO OR TELEPkTiONE TIC OFFICE SE°I' FORTH SEI,OV-r. THIS OF~CE CAN PROVIDE Y'OCr WITH LNFUR.'vIA'IIOI~i ABOUT HI2LIN G A LAV+~'YER. lk' YOU CAF.\nJOT AFFCIRD TO HIRE A T~.AW~"EF., T1:IIS OFk"ICE 1,~~1Y BE A$1.E TO PROVIDE YOU WITH ~1FORMATION ABOUT A.GEIrCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A RSDL3CBD FEE OR NO FEE. Y~~iwYER REFERRAI. SER'V7CE G~uEberlaud County Sar A.ssociat3on 2 Libez~ty Avenue Catilsle, YA 1.7013 (SDO) 490-9108 Czy~ NCETJ~FkC,ACION IlVg+ORY_41~I7'E ny ++.n ,_ LISTED SE ENCUENTRA EN ESTADO DE REBELDSA POR Iv0 HABER TOMADO LA ACG,tON REQL"3'RIDA DE SU ~`AKTE EN TrSTE CASO. AL NO TONiAR L,A ACCJON I}EBID.A DENI'RQ DE UN TERMING DE DIEZ (l.0) DTAS DE ESTA N43TZFIC.f~CION, EL TRIBUNAL PODRA, SIN NEC&SIDAD DE COMPARARECER LISTED EI3 CORTE O ESCUCHAP. PREU$A ALG~u~A, DICTAR S~tTENCIA EN SL' CONTRA, LISTED pUEDE p~tDER BIBNE5 'Y .GYROS DERECHOS, LAriPpRTANTES. DEBE LLEVAR ESTA NOTIFICACION A UN AB4GAD0 1DIATAI'E SI LISTED NO TISNE ABOCsADO, O SI NO TIENQ DINERQ SL~CIE?~'TE PARA. TAL SERVICIO, VAYA EN PERSONA O LLAI~+IE POR TELLFONO :4 LA OFiCINA, CUYA DIRECCION SE ENCUEN'PRA ESCRTTA ABAdO ~AFA AVERIaUAR DONDE Sfi pL1EDB CONSECJUII~. ASSIS~`ENCIA LBG,AL. sER~•~c~o D~ xE»~vciA LEGAL Cautberland Cognty Bar AssocE.ation 2 Liberty Avenge Carlisle, PA 17A13 (SQO} 99©-sI03 AIOTICE: PURSUAAI'T TO THE FAIR DEBT COLLEOl! PRACTICES ACT, THIS k.A'~ l I5 DEEMED TO BE A DEBT COLLECTOR AND THxS.i;S AN ATI'Fl~'T.TO COLLECT A DEBT. ANY INTr'ORMATI4N OET_AYNET? WILL BE, USED FOItT$AT PURPOSE. LAW 0~1CES, PC. $X: ~, es~uaa~ Pa ?D 30x091 Woodcrest Co~paxate Ceutez 111 SN'oadcrest Road, Suite X40 Chcrz~y , New Jcisoy 08003-3620 A~IJU#: lilt©67~ CASE#:111111678-2 ITIJREI\ T..AW Ok~CES, P.C. . ~YO!D~lr'F.EwT CORPSIIRATE CENTER 23~i WOOYDCRRST ROAD, SATE 204 CHTRRY HII,L, N3 48443-3~TA ~'x ~ 1ov ' ~ Z??Z ~" :?2am P00@./005 ATTORNEY FOR PLA~'~'IFF Hb~C yak USA; N.A, as Trusfee foz the Registered Holders 4f Re~aissa~tre Equity LoAn .9~sseE~Bac~ed Cer~tfieates, Series 2007-3 Piaintzff . v EAVVARD G. MENTZER, LAURIE ,A. MEh'T~ER befendant(s) T0: LAURIE A. MEr~'~R 500 DAR CREEK ROAD ~YI:TI.E BEACH SC 29575-5Za3 Date of N=otice: October 1, 2012 .COURT OF COMMON PLEAS CT'i 'IL DI~IISION Cumberland Cotmiy M.OitTGAGE FORECLOSURE NO.12`3093-CIVIL rW o~iCE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A V~RI'I'TEN ApP£..~.RA.NCE PERSONALLY QR B'~'' ATTORNEY AND ~'IL$ IN ~VRIZTNG WITH THE COURT YOUR AF.FEIdSES OR OBJECTIONS TO T'HE CLAIMS SET FORTH .~.G.AINST Y{3I.T. UNLESS ~''OIJ ACT wTI'HIN TEN DAYS FROM THE DATE OF THIS NOTICE, A.3G`DGMENT MAY $E E?+1TEREI7 A.GAIt~ST YOU WT,IIIOUT A. HE.~IRLNC AND YOU T1LAY LOSE YOUR.PROPIIZTY OR OTHER IMPORTANT RIGHI'S.YOU' SHOT.JLD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. iF YoU Do NOT HAVE A LAWYER Qo TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAI~~ PROVIDE YOU WF£H INFORMATION A$OUT HIRIl~tG A LAWYER. IF YQi; CANNOT AFFORD TO HIRE A LAWYF~, T~IIS OFFICE MA.'Y BE ABLE TO PROVIDE YOU WITH LNFORMATIt3N ABOUT AQENCIE3 THAT A~Lq"i' OFFER LEG_A.L SERVICES TO ELICIIBLE PERSONS AT A REDUCED k~EE OR NO.FEH. LA~'YTR 1tEFERRAI. SKRVICE Cu~erland Cnm~-ty Bar Assoastion 2 Liberty Aveaae Carlisle, PA. 17013 (800) 990-91x8. __ __ __ ._ Fix: ~'^v ' 7^.'i " :?3am P^'~5/^^5 i ~voTr~c~CiOx ~rroRTA~rE, :JSTED S£ ENCf,iFsN'fltA EN FSTADO DB R£BELDIA POR N4 HABER TO~A,DO LR. ACCIfJN REQCJIlt1DA DE SU PA..RTE Et~T ESTE CASO. AL NO TOMAR LA ,ACCTOl~t DEBIDA. DENTRO r DE UN'Z'$RMINO DB DIEZ (10) DIAS DE ES'~A NOTIPICA.CZON; Ei, TRIBUNAL PODRA, SST NECFSIDAD DE CONIP.a-RAR,ECER LISTED EN CORTE O ESCUCHA„R PREUBA ALGUN'A, DIC'Z'AR SENTENCIA ~' SU COI~'TRA, USTED PUEDE PERDER BIEI~r S Y OTROS ; DERBCHOS, IlvIPORfiANTES, DfiBE i.i.P4 AR ESTA NOTIFICACION A. UN ~OGADO BvIMMEDI.AT 4ML~h''~s SI USTED NO TIEATE AEOGADO, O SI 3vO TIDE DINERO SL~CIEv'TE PARR TAL SERVICIO, SiA'Y'A Ea\T PERSONA 0 LZ..4ME POR TEL,EFOI~O A LA OFTiCINA, CUYA DIRECCIO?+I SE EI~iG'FJENTRA ESCRITA.A$A10 P.~.RA A'VEPSCUAR AONDE SE PLFEDE CONSECI3Ilt ASSISTENCIA LEGAL. SERVICIO DE REFEILENCIA LE~AF1 Cwuatbe~aztd Co~enf~ Ber Association 2 Liberty Avenue i CarE~e~ Pb. ,17013 {800) 990-9105 ~ s NO'I'1CE: PURSCTAIV'I' 'I`O THE FAmt AE~T CODLECTIQN PItACTI CES ACT, 'I'SIS LAVi% FIRM L4 DEEMED TO BE A bEBT COLLECTOR 4ND THIS LS AN AT7c EMPT TO j COLLECT A DEB",i`. AI~X LNFORMATfON t2BTAINED ~"1GJC. BE USED FOR'I'~TA'lC } PITRPOSE. ~ /~ _ L`Dt - LA.W O~ZCES, PC ~ ~/~~ ,-,-~~-~"`--~ s BY: r j Att r Plaintiff / ' ~~ ~ ~ p GE Nf. BELt.lNQ, t'SQcJIRE 1,,~/ pA Ib ~~QQ9 91 V~FOOCtaresi Corporate ~Ge~.~r 11 l Woodcrest Road.; Sane Z00 Cherry Hill, New Jersey 08043-3b20 Iv,[JU#; X111fl578 CASE#: Yi11067B-2 ., _ WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO. 12-3093 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due HSBC BANK USA, N.A., AS TRUSTEE FOR THE REGISTERED HOLDERS OF RENAISSANCE EQUITY LOAN ASSET-BACKED CERTIFICATES, SERIES 2007-3 Plaintiff (s) From EDWARD G. MENTZER, LAURIE A. MENTZER (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: $178,060.62 L.L.:.SO Interest FROM 10/27/12 TO DATE OF SALE MARCH 6, 2013 ONGOING PER DIEM OF $24.93 TO ACTUAL DATE OF SALE INCLUDING IF SALE IS HELD AT A LATER DATE - $3,265.83 Atty's Comm: Atty Paid: $297.00 Plaintiff Paid: Date: l 1 /9/12 (Seal) REQUESTING PARTY: Due Prothy: $2.25 Other Costs: 1 ~-° --~ David D. Buell, Prothonot By: Deputy Name: KATHERINE E. KNOWLTON, ESQUIRE Address: UDREN LAW OFFICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 Attorney for: PLAINTIFF Telephone: 856-669-5400 Supreme Court ID No. 311713 UDREN LAW OFFICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings (a~3udren.com HSBC Bank USA, N.A., as Trustee for the Registered Holders of Renaissance Equity Loan Asset-Backed Certificates, Series 2007-3 Plaintiff v. Edward G. Mentzer Laurie A. Mentzer Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County ~s~ MORTGAGE FORECLOSURE -~ r'~ #: .., r. _.> .,,: ~- -._ NO.12-3093-CIVIL ~'`.~ `~ ~,;>. ~ ..~~.~.. i.. six-. f...~ Q ~.~ PRAECIPE TO ISSUE WRIT OF EXECUTION TO THE PROTHONOTARY: Issue Writ of Execution in the above matter: Amount due $ 178,060.62 Interest From 10/27/12 $ 3,265.83 to Date of Sale March 6.2013 Ongoing Per. Diem of $24.93 to actual date of sale including if sale is held at a later date (Costs to be added) $ .~ ~ ~, ~~ ~ ~ ~~ ~ ~ ~ ~ o .cam ~~' 0 ~~ ~~ ~ y. d ~, ,, 10 3.5 c~ ,, 1 ~ - S <<<. i a so ``~` a 1~ MJU :#~11 0678 CASE#: 11110678-2 ~aa,~oo UDREN LAW OFFICES, P.C. ~-- :~:.~- BY: - _ Atto ey for Plain i ~~~-- Katherine E. Knowlton, Esq PA 1D 311713 '~ • SC> LL_ C~ 3~~ 9,3 ~ ~~ ,~SS~ UDREN LAW OFFICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-bb9-5400 HSBC Bank USA, N.A., as Trustee for the Registered Holders of Renaissance Equity Loan Asset-Backed Certificates, Series 2007-3 Plaintiff v. Edward G. Mentzer Laurie A. Mentzer Defendant(s) ATTORNEY FOR PLAINTIFF -: ~: ~~- COURT OF COMMON PLEAS w„ , _ ; _ -=' CIVIL DIVISION ~"~ i "' ~'' Cumberland County :.n .,~ ...~ -~, i ~ ~~ ,-~-.. C,._s ....,:..: MORTGAGE FORECLOSURE ~ ~{~~; -~-- ~ - c~ {.; . : = =,, ~'%' , : - NO. 12-3093-CIVIL r CERTIFICATE OF ACT 91 I hereby state that as the attorney for the Plaintiff in the above-captioned matter: ~ Act 91 procedures have been fulfilled [] Premises is not subject to the provisions of Act 91 as this is an FHA insured mortgage This statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. UDREN LAW CES, P.C. BY: ~ .`~ Attorney for Plaintiff Katherine E. Knowlton, Esq pA ID 311713 ~,. ... ,, _, -- _ _ w UDREN LAW OFFICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 HSBC Bank USA, N.A., as Trustee for the Registered Holders of Renaissance Equity Loan Asset-Backed Certificates, Series 2007-3 Plaintiff v. Edward G. Mentzer Laurie A. Mentzer Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE NO. 12-3093-CIVIL AFFIDAVIT PURSUANT TO RULE 3129.1 AND RULE 76 ':'~ , . n -~. ~~~ .- .. --c-~ .:~ ~.,~+ A,. ~ .,A+ .~ ~ , -~ _ _,_ ~~; ~, :- ~ Tr~ , ~ ~1} ~,-, y ~-~ .. HSBC Bank USA, N.A., as Trustee for the Registered Holders of Renaissance Equity Loan Asset-Backed Certificates, Series 2007-3, Plaintiff in the above action, by its undersigned attorney, upon information and belief, Udren Law Offices, 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: 100 Valley Street, Summerdale, PA 17093 1. Name and address of Owner(s) or reputed Owner(s): Edward G. Mentzer 6 Chester Road Enola, PA 17025-2039 Laurie A. Mentzer 600 Deer Creek Road Myrtle Beach, SC 29575-5213 2. Name and address of Defendant(s) in the judgment: Edward G. Mentzer 6 Chester Road Enola, PA 17025-2039 Laurie A. Mentzer 600 Deer Creek Road Myrtle Beach, SC 29575-5213 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Jr Lien Holders -None r 4. Name and address of the last recorded holder of every mortgage of record: HSBC Bank USA, N.A., as Trustee for the Registered Holders of Renaissance Equity Loan Asset-Backed Certificates, Series 2007-3 16b1 Worthington Road, Suite 100 West Palm Beach, FL 33409 Sr Mortgage Holders -None Jr Mortgage Holders -None 5. Name and address of every other person who has any record lien on the property: Sr lien Holders -None 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations Section 13 North Hanover Street Carlisle, PA 17013 Cumberland County Real Estate Taz Department 1 Courthouse Square Carlisle, PA 17013 Commonwealth of PA, Department of Revenue Bureau of Compliance PO Box 281230 Harrisburg, PA 17128-1230 Tenants/Occupants 100 Valley Street Summerdale, PA 17093 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which maybe affected by the sale: Federal Taz Lien Holders -None Condo/Homeowners Association -None I verify that the statements made in this affidavit are true and correct to the best of my information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. sec. 4904 relating to unsworn falsification to authorities. DATED: UDREN LAW FICES, P.C. BY: ~, _ _--~-~~ Attorney for Plaintiff Katherine E. Knowlton. Esq MJU#: 11110678 CASE#: 11110678-2 PA ID 311713 ..~~ .: .. V UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadingsnu,udren.com HSBC Bank USA, N.A., as Trustee for the COURT OF COMMON PLEAS Registered Holders of Renaissance Equity CIVIL DIVISION Loan Asset-Backed Certificates, Series Cumberland County 2007-3 Plaintiff MORTGAGE FORECLOSURE v. EDWARD G. MENTZER, LAURIE A. MENTZER Defendant(s) NO. 12-3093-CIVIL NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Laurie A. Mentzer 600 Deer Creek Road Myrtle Beach, SC 29575-5213 :~; r t ~ ~ ~ ~-,-; ~-, ~ - _ ~~~ . t , c, ~ ' --.. ~,~ . --a ~ :>' C-r ~ ' ~.. ,~ p ~ Cv ,~ ~ .. _., _ ~ , Your house (real estate) at 100 Valley Street, Summerdale, PA 17093 is scheduled to be sold at the Sheriffs Sale on March 6, 2013 at 10:00am at the Cumberland County Courthouse, Commissioners Hearing Room, 2nd Floor, Carlisle, PA 17013, to enforce the court judgment of $178,060.62, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856) 669-5400. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) k YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES 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 by calling 856-669-5400. 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 fmd out if this has happened, you may ca11856-669-5400. 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 the 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 30 days after the 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 Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (800)990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (800)990-9108 .., ,~ ��������U��o�� ����Uo��� ��� CUMBERLAND COUNTY ��. .~~.�..SHERIFF'S OFFICE.��~~ ~ro ����.°.��~~.��.��.��� Ronny RAnderson Sheriff F/i��-�FF/�� T�� ���-HO�GT� �!' Jody GGmmith � -^w Chief Deputy °~11 KAY -� �� Q/ �f\ � . '-. ~ ,� Richard VVStewart 3olicitor upn�*�rrHm�"smpp CUMBERLAND COUNTY PENNSYLVANIA HG8C Bank USA, N.A. Case Number vs. | Edward G. K8a�zer(et ai) 2012-3093| SHERIFF'S RETURN OF SERVICE 12/28/2012 Shawn Harrison, 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 100 Valley Street, Summerdale, PA 17093, Cumberland County on 12/28/12 at2O33hrs. 12/28/2012 08:10 PN1 -Deputy Shawn Harrison, being duly sworn according tolaw, served the requested Real Estate Writ, Notice and Deeuription, in the above titled ootion, by making known its contents and at the aoma time personally handing a true copy too person representing themselves tobe the Defendant, towit: Edward G. Mentzer at 6 Chester Road, East Pennsboro Township, Enola, PA 17025, Cumberland County. 01/30C2013 Ronny R. Anderson, Sheriff, being duly sworn according to law, states that he made a diligent search and inquiry for the within named Defendant, to wit: Laurie A. Mentzer, but was unable to locate the Defendant in his bailiwick. He therefore returns the within Real Estate Writ, Notice and Daouription, in the above titled action, as"Not Found"at 600 Deer Creek Road, Myrtle Beach, SC 29575, Certified mail item returned unopened, " Return to Sender, No Mail Receptacle, Unable to forward"to the Sheriffs Office on 1/3U/13. 03/07/2013 Ronny R. Anderson, Sheriff, being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Cumberland County Coudhuuoe, 1 Courthouse Square, Car|iu|e, Cumbadnd County. on March G. 2O13ot 10:00 a.m. He sold the same for the sum of$ 1.00 to Attorney Mark Udren, on behalf of HSBC Bank USA, N.A., as Trustee for the Registered Holders of Renaissance Equity Loan Asset-Backed Certificates, Series 2007-3, being the buyer in this execution, paid to the Sheriff the sum of$ SHERIFF COST: $1.432.62 SO ANSWERS, April 30. 2O13 RONNYR ANDERSON, SHERIFF L151,1- � c��'m , . ' /w� r- �� n,`o:ff I d�,"n /oo ������ UDREN LAW OFFICES, P.C. ATTORNEY FOR-PLAINTIFF WOODCREST CORPORATE CENTER 111 WOODCRE_ST ROAD,SUITE 200 CHERRY HILL,-NJ 6003-3620 856-669-5400 pleadin$s(u,udren.com HSBC Bank USA,N.A., as Trustee for the COURT OF COMMON PLEAS Registered Holders of Renaissance Equity CIVIL DIVISION Loan Asset-Backed Certificates, Series Cumberland County 2007-3 Plaintiff MORTGAGE FORECLOSURE V. Edward G. Mentzer Laurie A. Mentzer NO. 12-3093-CIVIL Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129.1 AND RULE 76 HSBC Bank US N.A., as Trustee for the Registered Holders of Renaissance Equity Loan Asset-Backed Certificates, Series 2007-3,Plaintiff in the above action,by its undersigned attorney, upon information and belief, Udren Law Offices, 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: 100 Valley Street, Summerdale, PA 17093 1. Name and address of Owner(s) or reputed Owner(s): Edward G. Mentzer 6 Chester Road Enola, PA 17025-2039 Laurie A. Mentzer 600 Deer Creek Road Myrtle Beach, SC 29575-5213 2. Name and address of Defendant(s) in the judgment: Edward G. Mentzer 6 Chester Road Enola, PA 17025-2039 Laurie A. Mentzer 600 Deer Creek Road Myrtle Beach, SC 29575-5213 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Jr Lien Holders-None 4. Name and address of the last recorded holder of every mortgage of record: HSBC Bank USA,N.A.;as Trustee for the Registered Holders of Renaissance Equity Loan Asset-Backed Certificates, Series 2007-3 1661 Worthington Road, Suite 100 Nest Palm Beach, FL 33409 Sr Mortgage Holders - None Jr Mortgage Holders-None 5. Name and address of every other person who has any record lien on the property: Sr lien Holders-None 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations Section 13 North Hanover Street 13 Cumberland County Real Estate Tax Department 1 Courthouse Square Carlisle,PA 17013 Commonwealth of PA, Department of Revenue Bureau of Compliance PO Box 281230 Harrisburg, PA 17128-1230 Tenants/Occupants 100 Valley Street Summerdale, PA 17093 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: Federal Tax Lien Holders - None 'Condo/Homeowners Association- None I verify that the statements made in this affidavit are true and correct to the best of my information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. sec. 4904 relating to unsworn falsification to authorities. DATED: UDREN LAW�FFICES, P.C. BY: Attorney for Plaintiff Katherine E. Knowlton, Esq. MJU#: 11110678 CASE#: 11110678-2 PA ID 311713 UDREN LAW OFFICES,P.C. ATTORNEY FOR PLAINTIFF WOODCREST CORPORATE CENTER III WOODCREST ROAD,.SUITE 200 CHERRY HILL,NJ 08003-3620 856-669-54.00 pleadines(a)udren.com HSBC Bank USA,N.A., as Trustee for the COURT OF COMMON PLEAS Registered Holders of Renaissance Equity CIVIL DIVISION Loan Asset-Backed Certificates, Series Cumberland County 2007-3 Plaintiff MORTGAGE FORECLOSURE V. EDWARD G. MENTZER, LAURIE A. NO. 12-3093-CIVIL MENTZER Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Edward G. Mentzer 6 Chester Road Enola, PA 17025-2039 Your house (real estate) at 100 Valley Street, Summerdale, PA 17093 is scheduled to be sold at the Sheriffs Sale on March 6, 2013 at 10:00am at the Cumberland County Courthouse, Commissioners Hearing Room,2nd Floor, Carlisle, PA 17013,to enforce the court judgment of$178,060.62, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale,you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payment,late charges,costs and reasonable attorney's fees. To find out how much you:rust pay,you may call: (856)669-5400. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment,if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one,the more chance you will have of stopping the sale. (See notice on page two 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 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 by calling 856-669-5400. 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 856-669-5400. 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 the 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 maybe 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 30 days after the 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 Schedule of Distribution is filed. 7. You may also have other rights and defenses,or ways of getting your home back,if you act immediately after the sale. YO110 D 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. LAWYER REFERRAL SERVICE Cumberland County Bar.Association 2 Liberty Avenue Carlisle,PA 17013 (800)990-9108 ASSOCIATION DE LICENCIDADOS iCumberland Count3 lgaf AsSOeiatlon" 2 Liberty Avenue... Carlisle,PA 17013 (800)990-9108 ALL THAT CERTAIN PARCEL OF LAND WITH THE BUILDINGS AND IMPROVEMENTS THEREON ERECTED SITUATE IN EAST PENNSBURG TOWNSHIP,CUMBERLAND COUNTY, PENNSYLVANIA,MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS; BEGINNING AT AN IRON PIN ON THE SOUTH SIDE OF WATER STREET ALONG THE RIGHT-OF-WAY LINE; THENCE ALONG THE SOUTH SIDE OF WATER STREET, SOUTH SEVENTY-EIGHT (78) DEGREES FIFTEEN (15) MINUTES EAST, FIFTY-TWO AND TWENTY-NINE-ONE-HUNDREDTHS (52.29) FEET TO A POINT ALONG THE SOUTHERN SIDE OF FIRST STREET,BEING THIRTY(30) FEET FRONT THE CENTERLINE OF FIRST STREET; THENCE ALONG THE SOUTHERN SIDE OF FIRST STREET AND ALONG THE RIGHT-OF-WAY LINE, SOUTH FORTY- ONE (41) DEGREES FIFTY-NINE (59) MINUTES EAST ONE HUNDRED THIRTY- SEVEN AND SIXTY ONE-HUNDREDTHS (137.60) FEET TO A POINT NEAR.THE NORTHWEST CORNER OF FIRST AND VALLEY STREETS; THENCE ALONG THE RIGHT OF WAY LINE, SOUTH FIFTY-SIX (56) DEGREES THIRTY-SIX(36) MINUTES WEST,TWELVE AND TWENTY ONE-HUNDREDTHS (12.20)FEET TO A POINT; THENCE SOUTH FIVE (5)DEGREES FIFTEEN (15) MINUTES WEST, THIRTY-FIVE AND THIRTY-FOUR ONE-HUNDREDTHS (35.34) FEET TO A POINT ON THE WESTERN SIDE OF VALLEY STREET; THENCE ALONG THE WESTERN SIDE OF VALLEY STREET AND THE RIGHT-OF-WAY LINE, SOUTH SIXTY-NINE (69) DEGREES EIGHTEEN (18) MINUTES FIFTY (50) SECONDS WEST SIXTY-NINE AND FORTY-EIGHT ONE HUNDREDTHS (69.48) FEET TO A POINT AT LOT NO. 102; THENCE ALONG THE LOT NO. 102, NORTH NINETEEN (19)DEGREES FIFTY (50) MINUTES WEST,ONE HUNDRED NINETY AND SIXTY ONE-HUNDREDTHS (190.60) FEET TO AN IRON PIN AND THE PLACE OF BEGINNING.THIS DESCRIPTION IS TAKEN FROM A SURVEY BY RONALD S. RAFFENSPERGER, REGISTERED SURVEYOR,DATED FEBRUARY 7, 1972. FOR INFORMATIONAL PURPOSES ONLY: THE APN IS SHOWN BY THE COUNTY ASSESSOR AS 09-12-2995-050; SOURCE OF TITLE IS BOOK 218, PAGE 956 (RECORDED.04/05/00) BEING KNOWN AS: 100 VALLEY STREET, SUMMERDALE, PA 17093 PROPERTY ID NO.: 09-12-2995-050 TITLE TO SAID PREMISES IS VESTED IN EDWARD G. MENTZER AND LAURIE A. MENTZER,HIS WIFE BY DEED FROM DEBRA A. CONTI,NOW KNOWN AS DEBRA A. DOLAN,A SINGLE PERSON DATED 03131/2000 RECORDED 04/05/2000 IN DEED BOOK 218 PAGE 956. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO. 12-3093 Civil COUP;TY OF'CUMBERLAND) CIVIL ACTION—LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt,interest and costs due HSBC BANK USA,N.A.,AS TRUSTEE FOR THE REGISTERED HOLDERS OF RENAISSANCE EQUITY LOAN ASSET-BACKED CERTIFICATES,SERIES 2007-3 Plaintiff(s) From EDWARD G.MENTZER,LAURIE A.MENTZER (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: $178,060.62 L.L.:.50 Interest FROM 10/27/12 TO DATE OF SALE MARCH 6,2013 ONGOING PER DIEM OF$24.93 TO ACTUAL DATE OF SALE INCLUDING IF SALE IS HELD AT A LATER DATE-$3,265.83 Atty's Comm: % Due Prothy:$2.25 Arty Paid: $297.00 Other Costs: Plaintiff Paid: Date: 11/9/12 David D. Buell, Prothonota (Seal) Deputy REQUESTING PARTY: Name; KATHERINE E. KNOWLTON,ESQUIRE Address: UDREN LAW OFFICES,P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD,SUITE 200 CHERRY HILL,NJ 08003-3620 Attorney for: PLAINTIFF TRUE cOPY FROM REC�HI3 In Testimony whereof,t here unto set;ny hand Telephone: 856-669-5400 and the seat of said Court at Carlisie.Pa. day of._,_ '20 L-- Supreme Court ID No.311713 This p othonotary i;4 v trRij i On November 15, 2012 the Sheriff levied upon the defendant's interest in the real property situated in East Pennsboro Township, Cumberland County, PA, Known and numbered as, 100 Valley Street, Summerdale, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: November 15, 2012 By: Real Estate Coordinator ^N CUMBERLAND LAW JOURNAL Writ No. 2012-3093 Civil place of beginning. This description is taken from a survey by Ronald S. HSBC Bank USA, N.A. Raffensperger, Registered Surveyor, vs. dated February 7, 1972. FOR INFORMATIONAL PURPOS- Edward G. Mentzer, ES ONLY: The APN is shown by the Laurie A. Mentzer County Assessor as 09-12-2995-050; Atty.: Mark Udren source of title is Book 218,Page 956 ALL THAT CERTAIN parcel of (Recorded 04/05/00) being known land with the buildings and improve- as: 100 Valley Street, Summerdale, ments thereon erected situate in East PA 17093. Pennsburg Township, Cumberland PROPERTY ID NO.: 09-12-2995- County, Pennsylvania, more par- 050. ticularly bounded and described as TITLE TO SAID PREMISES is follows; vested in Edward G. Mentzer and BEGINNING at an iron pin on the Laurie A. Mentzer, his wife by Deed south side of Water Street along the from Debra A. Conti, now known as right-of-way line; thence along the Debra A.Dolan,a single person dated south side of Water Street, South 03/31/2000 recorded 04/05/2000 seventy-eight(78)degrees fifteen(15) in Deed Book 218 Page 956. minutes East, fifty-two and twenty- nine-one-hundredths (52.29) feet to a point along the southern side of First Street, being thirty (30) feet front the centerline of First Street; thence along the southern side of First Street and along the right-of- way line,South fortyone(4 1)degrees fifty-nine (59) minutes East one hundred thirtyseven and sixty one- hundredths (137.60) feet to a point near the northwest corner of First and Valley Streets;thence along the right of way line, South fifty-six(56) degrees thirty-six(36)minutes West, twelve and twenty one-hundredths (12.20)feet to a point;thence South five (5) degrees fifteen (15) minutes West,thirty-five and thirty-four one- hundredths (35.34) feet to a point on the western side of Valley Street; thence along the western side of Val- ley Street and the right-of-way line, South sixty-nine (69) degrees eight- een (18) minutes fifty (50) seconds West sixty-nine and forty-eight one hundredths (69.48) feet to a point at Lot No. 102;thence along the Lot No. 102,North nineteen(19)degrees fifty(50)minutes West,one hundred ninety and sixty one-hundredths (190.60) feet to an iron pin and the 83 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA ss. COUNTY OF CUMBERLAND : Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952,been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: January 25, February 1, and February 8, 2013 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time,place and character of publication are true. r-- isa Marie Coyn , Editor SWORN TO AND SUBSCRIBED before me this da of Februar 2013 Notary NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BOROUGH,CUMBERLAND COUNTY My Commission Expires Apr 28,2014 i 2012-3695 CPA H8BC Bank USA,N.A. Vs Edw od G.MsnWor Lewis A.Momm Aity- Mark Udren ALL THAT CERTAIN PARCEL OF LAND WITH THE BUILDINGS AND IMPROVEMENTS ERECTED SITUATE IN THEREON EAST PENNSBURG TOWNSHIP, CUMBERLAND- COUNTY, -MORE PARnCULARLY BOUNDED AND DESCRIBED AS FOLLOWS; BEGINNING AT AN IRON PIN ONTHE SOUTH. SIDE OF WATER. STREET ALONG RM RIGHT-OF-WAY LINE, TBENCE', ALONG, THE SOUTH SIDE OF WATER STI" SOUTH SEVENTY-EIGHT,, (78) REFS FTFTEEN,f . . FIFTY TWO ANDt!TIIJI<OIVE }I,F611I TO:A PO��NG SQk]THERI!TSIDE OF FIRST`. B THIIrTY (30)FAT FRONT THE OF IR$T STREET,TIEN�E'ALONG 1T3E SOUTHERN SIDE OF FIRST STREET AND ALONG THE RIGHT-OF- WAY'LINE, SOUTH FORTYONE (41) DEGREES FIFTY-NINE(59)MINU1'FS EAST ONE HUNDRED THIMSEVEN AND SIXTY ONE-HUNDREDTHS (137.61)FEET TO A POINT NEAR THE NORTHWmrcORNMtOFPh AND VALLEY STREETS-TH NCE AALONG THE RIGHT OF WAY,LINE,SOUTH FIFTY-SIV(56)DWI(EESTIMT-SIX (36) MINUTES WM TWELVE AND TWENTY ON&HUNDREDTHS((12.20) FEET Tt> -SOUTH IM (5)' DEGREES''FIFTEEN (15)' MINUTES WEST THIRTY-FIVE AND THUtTY-FOUR, ONE-HUNDREDTHS (35.34)FEET TO A`POINT ON THE WESTERN SIDE OF VALLEY STREET; THENCE ALONG. TILE WESTERN SIDE OF VALLEY STREET AND THE RIGHT OFWAY LINE,;SOUTH SIXTY- NINE (69) DEGREES EIGHTEEN (18)IIINUTES FWrY(50) MCONDS WEST SIXTY-NINE AND FORTY- EIGHT ONE ,HUND (69.48) FEET TO A POMI`AT IAO NO.102; THENCE.ALONG THE LdT NO, 102, NORTH NINE (19 EGREES FIFTY (50) AaNkM T, ONE., 'HUNDRED SIXTY ON&HUNDRED FEET TD ANN OF BEGINNJid� IS TgKE1I FROM A' SURVEY BY RONALD S. AAFFENSPERGER, REGISTERED SURVEYOR DATED FEBRUARY7;1972 FOR INFORMATIONAL PURPOSES ONLY THE`APN IS SHOWN BY THE COUNTY ASSESSOR AS'09-12-2995-050;SOURCE OF TITLE IS BOOK 21X PAGE 956 (RECOItDPD B4p05/00) BEING KNOWN AS: 100 NAVEY STREET SUMMERDALE,PA 17093 PROPERIV ID NW 09-12-2995.050 TITLE TO SAID PREMISES IS VESTED IN EDWARD G. 1kFdVTZ 'AND LAURIE "A. MENr&R, HIS WIFE BY,DEED FROM DEBRA A.-CONTI, NOW KNOWN AS DEBRA k'DO= A SINGLE PERSON'DATED,03/31/1000 RECORDED 04/05/20M IN DEED - ,,.The Patriot-News Co. 2020 Technology Pkwyl� Suite 3100 Mechanicsburg, PA 17050 Now you know Inquiries - 717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Marianne Miller, being duty sworn according to law, deposes and says: That she is a Staff Accountant of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 2020 Technology Pkwy, Suite 300, in the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/Community Weekly editions which appeared on the date(s) indicated below. That neither she nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book"M", Volume 14, Page 317. PUBLICATION COPY This ad ran on the date(s)shown below: 01/22/13 i 01/29/13 02105/13 Sworn to an subscribed before a this 14 day of February, 2013 A.D. a ublic COMMONWEALTH OF PENNSYLVANIA Notarial Seal Holly Lynn Warfel,Notary Public + ' Washington Twp.,Dauphin County M Commission Expires Dec.12,2016 MEMBER,PENNSYLVANIA ASSOCIATION OF NOTARIES COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ISS: 1,Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriff's Deed in which HSBC Bank USA,N.A. as Trustee for the Registered Holders of Renaissance Equity Loan Asset is the grantee the same having been sold to said grantee on the 6th day of March A.D., 2013,under and by virtue of a writ Execution issued on the 9th day of November, A.D., 2012, out of the Court of Common Pleas of said County as of Civil Term, 2012 Number 3093, at the suit of HSBC Bank USA,N.A. as Trustee for the Registered Holders of Renaissance Equity Loan Asset- Backed Certificates Series 2007-3 against Edward G. Mentzer and Laurie A. Mentzer is duly recorded as Instrument Number 201314823. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal of said office this Gds— day of A.D. Recorder of Deeds acorder of Deeds, mberland County,Carlisle,PA 'y Commission Expires the First Monday of Jan.2014