Loading...
HomeMy WebLinkAbout12-3976SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929 LESLIE RASE, ESQ., ATTORNEY I.D. NO. 58365 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-038448 JPMorgan Chase Bank, National Association COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY VS. NO: Michael L. Adams 101 Lawrence Lane Apt. 1 Carlisle, PA 17015 Kristin D. Adams 1 Pine Lane Plainfield, PA 17081 DEFENDANTS COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE 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 THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE 9N FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO Eli LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPI9DADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRIECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 MICHAEL CLARK, ESQ., ATTORNEY I.D. NO. 202929 25 ?;; LESLIE RASE, ESQ., ATTORNEY I.D. NO. 58365 3600 HORIZON DRIVE, SUITE 150 E R L A N, D C 0 U&I I KING OF PRUSSIA, PA 19406 D 7 Y INN N I A TELEPHONE: (610)278-6800 S & D FILE NO. 10-038448 SHAPIRO & DeNARDO LLC `P ` ' ` ° f BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 JPMorgan Chase Bank, National Association PLAINTIFF VS. Michael L. Adams 101 Lawrence Lane Apt. 1 Carlisle, PA 17015 Kristin D. Adams 1 Pine Lane Plainfield, PA 17081 DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNI?. NO: ,a-3co(0 vli COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, JPMorgan Chase Bank, National Association, the address of which is, 1111 Polaris Way, Columbus, 43240 Drive, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: Gateway Funding Diversified Mortgage Services, LP Mortgagor(s): Michael L. Adams and Kristin D. Adams (b) Date of Mortgage: April 25, 2005 03) WV b'?-zpda? 0?4 0-7-71 SA (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1904, Page 4981 Date: April 27, 2005 Re-Recorded May 25, 2005 Mortgage Book 1908, Page 2027 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. (d) Assignments: Assignor: Gateway Funding Diversified Mortgage Services L.P. Assignee: JPMorgan Chase Bank, National Association Date of Assignment: April 25, 2005 Recording Date: November 14, 2006 Book: 732 Page: 172 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by operation of law. 3. The real property which is subject to the Mortgage is generally known as 1 Pine Lane, Plainfield, PA 17081 and is more specifically described as attached as part of Exhibit "A" 4. Each Mortgagor named in paragraph 1 executed a note as evidence of the debt secured by the Mortgage (the "Note"). A true and correct copy of the Note is attached and marked as Exhibit "B". 5. The names and mailing addresses of the Defendants are: Michael L. Adams, 101 Lawrence Lane, Apt. 1, Carlisle, PA 17015 Kristin D. Adams, 101 Lawrence Lane, Apt. 1, Carlisle, PA 17015 6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 7. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of April 1, 2010 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. . , 8. The following amounts are due as of March 15, 2012: Principal Balance Due $133,981.99 Interest Currently Due and Owing at 6.25% $17,091.81 From March 1, 2010 through March 15, 2012 Late Charges $35.27 Escrow Advances $5,608.62 Property Inspection $14.00 Property Preservation $184.37 Prior Bankruptcy Fees and Costs $726.00 TOTAL $157,642.06 9. Interest continues to accrue each day after March 15, 2012, that the debt remains unpaid, and Plaintiff may incur other expenses, costs and charges collectible under the Note and Mortgage. 10. In addition to the above amounts, reasonably incurred attorneys fees and cost's as well as proof of title in conformity with the mortgage documents and Pennsylvania law, shall be sought by Plaintiff and included in any request for judgment. 11. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et M., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Copies of the material part of the Notice are attached hereto as Exhibit "C" in accordance with Pa.R.C.P. 1019(i). 12. Pursuant Pa.R.C.P. 1019(d), the Notice sent to the Defendant(s) contains the information required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. § 403 et seq., and separate Notice of Intention to Foreclose is not required. WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. Date: LZ -Z, l? 'I '-) ? I SHAPIRO & DeNARDO, LLC r' BY: -,X a Attorneys for Plaintiff S & D File No. 10-038448 44iair JiJ .- 1?D5 FlP7 PM 3 33 : ? ? - . • , ,. :I Ate. ? . ?9pPS r. P8 I ?y (sp¦eeAisre T6N Uat Far QaoWft deal MORTGAGE DEFVa TMM Words used in amldple sections of tole document are defined below and odw words are de5nod is Seudo®s 3, 11, 18, 24 and 2l. Cartidn mdes regarding the usage of words uad in this docomeat are sho provided In Section. 16. (A) "Seem* lsatraahsat" Inane this document, which is dated April 25, 2005 , wge*a with an Rklars to this document. (B) "Dwwww " is Michael L Adams and Kristin 0 Adams Borrower is the nmrtgagor under this Security InshmanvaL (C) "LemW is Gateway Fundlrq Div@mMed Mortppe 3etvlcae LP. Lender in a United Parbutrahip and ahddiog under the laws of PII MYLVANIA . Lander's addrou is 900 (Welsh Road, Building S, Horsham, PEMMSYLVMIIA 19064 . Lander it the morimm muter this Saemity hwm mmot. (D) "Nate" meals tine prmaissaty nob signed by Bummer sad dated April 25, 2005 The Note states &d Borrower owes Lender Om Hundred Forty Th me Thouaaltd Two sad n01100 Dollars (U.& S 1436MAD )plat Bormwa has promised to pay this debt in regular Periodic Psymmtls and to pay the debt in itlll sot butndr than May 01, 2035 (9) "Properly" !sans the propariy that is described below under the heading `Transfer of Right in the py» (F) "Loss" umms the debt ovkbaced by the Note, plus interest, any ptopaymeat charges and late cllargea due under the Note, and all sums due under this Security bh<bwo s 4 plan interest (t) "Riders" mans all Riders to this Security insb umeat ibat are executed by Borrower. The following Riders arc to be executed by Borrower [check box as applicable]: ? Adjustable Rata Rider ? Condominium Rider ? Second Home Rider ? Balloon Rider ? Pla mcd Unit Development Rider © Other(s) [specify] F%1'L?t II?N ? 1-4 Family Rider ? Biweekly Payment Rider Eddbi P£NIYMVAK A-4in& F"y-Fanob WWPraddte ttac UNIFORM QQTKUMWT Baron Ilal ffEM UNXI PNh "r 11f /6pAVO rbodrea:l-m ma m 9 a 8K 1904PG1198 I BK 1908PG2027 CXYIib?-?- ",Fl at (R) "AMUeable Law" mum all caMml og applicable fed ale aWe and lood s , ordinances and admtmisttadiva nda and order (that have We affect of bran) sm well a A applicable fhmL Don-appahWle opWous. 0) "CeaamnaW ApoaWEon Dues, Been, and Ash" mmms A dad, fen, mussmaats and other charSes that am huposed on Bomawer or the Property by a coadmrdoiDm u honmwbars association or sledlar wgmdudaL (,n "Sledrode Fouls Transfer" means any traasfat of funds, oche than a bmsectim origmato by chmlr, draft, or similar paper instmment, which is initiated though an electronic tens ubW tel@*Wc ftu?trtama l t. aompt I of rosgnedc We so ss to order, instruct, or smWodam a fhtanald iostl atiou to debit or medit gem account Such team iadudd, but is not limited la, paba-4,male transfers, automated tdler mrabine transactions, tramsfm Witimadby Wephom wire tooks, and m omated deafthouse transfers. (19 "Zmnw hens" mmu those items did are described in Section 3. (L) "Miesdlaseeus Prwm&" mesas any eompemation. saN amov ,award of damaSn, or proceeds paid by any third paly (other than insurance proceeds psid udar, the cmvaasges desc" in Section 5) fob. (i) damage to. or destmotion of, the Property; (ii) conti m ution or other tsidog of all or any part of ft Property; (iall c mveymoe in fins of eanda motion; or (iv) motions of or omiesioru as to, the value aa&ar condition of the Property. (lam "Mortgage Insummee" mesas marmnce proltatiag Linder Whist the nonpaymant of, or default on, the Lom (l) "Patriadk Paymeat* moons the regularly scheduled amasat due far (i) prercipal and i.Wr t under, the Note, phis M my mounts mfr, Section 3 of this Security rnmmmt (t) 90WA" mesas the Rill Estate SOUWU mt Procedures Act (12 U.S.C- 12501 et seq.) mad its ffiVbmmft mgda*k Regnletion X (24 CF.R. Pat 35001 as they tttigdt be ==dad am thrte to 6p, or say additional at SUCCOM cr legislation or rgpdatkm did gaveas the same MOO MOW. As used ig do Samrdty bgh=ur t, "MA" refers to all reg dmmaots cad rdtrletiom that are imposed in n gerd'to a "liderslly misled morigmga loan" even if the Loan does not gnsUty? as a "ibdmily mhrted mmrtgage lose madar RESPA. (P) "Soecessor in ft"rest of Bermwee means any patty that has Moan tide to the Property, wh Aw or not that party hes masted Boaower's obHpdm miler the Note saWbr this Secmaity Wmuneet, PLPaMnVANtA-4lhW& ?smM -l?aaateMuWnditMacUKW=M UNtP'MU MBNT Farm3W lM REM In= FOM (Pegs 26116"P4 7hodrat temalmmo=W 8K { 904PG498P 1908PG2028 TRANSFER OF WORTS IN THE PROPERTY This Sccw* Insbum at sewres to Laker: (Q dta repayment of the Loan, and d norwah, mduniats and modi&adam of to Note, ad (ti) the pertbsrnerrco of Borrower's wansou and spectuenb ))ruder this Secority Fadonaeat and dm Note. For this pwpose. Borrower does haaby mortgage, gnat and convey to Lender the following daurAndproposty located is the ftm af `mil Of PUm a'teoardina lubdiedon) Sees sttkdid mdIUAt "M which oun=dy has the address of 1 Pin Lane PhdnfloN , Pemosyivania (ZIP 17"11 CTrope ty? Address"): TOOET R WTIB all the impovements now or hermdler waded as the property, and all eamaganb, appwttanaoce% and 5xtum now or hereafter a part of dw pwpwty. All np a wasub and addidooa sha#l also be covered by tNs Security Imtsumeat. All of the foregoing is refaced to in this Secm* In0rument u the N .. BORROWBR COVENANTS that Boaower is tawdrily seised of the emu hereby cotweyed and has *a right to mortgage, groat and convey the Psnpaty ad that &a Property k m bored, accept for ancuodxweas of record. Bocower worumb sad will defaad puerady On tide to fire Property agaiaet all claims and demruads, subject to may anownbcaum ofmord. THIS SECURITY INSTRUMENT combuiss unifomt covenants for national no sad lima ifarm covamab with limited varfadow by jurisdiction to constitute a mnilbrtn sewrity hutnmsmt coming mid Pro". FENK VAXIA- Sk& F"y--Faaale btadFreddim Mae UMIFORM BO RUMFNT Faro 31M1 MW ieseu poll) (Pale 3 of Id pare aod.oe + eaaaoaaa e BK 1904PG4983 BK 1908FG2029 UN WMM CQVBNAN76. Bonower and Lander covem at and agree a Wows: 1. Psymmt of Priscipd, Y iwast, Sserow Ilsme, Pr"yaamat Cbarps, and We Char M Barowar sbmH pay when due We prb*d at and. lahma t on, the debt evidenced by the Note mad my pmpaymmat dwgm ad ha daps due under the Note. Bommer"also pay !lade for Bshuaw llpma prnant to Seaton 3. Paymeab due under Wa Note and gds Swxity Itttfaw ment hdhaR be matte in U.S. cater. Sowevcc, if aq check or other kattument modved by Laodt a payment under der Note or ft 5ewrcity Last k rennaed to Lmmler unpaid. Loader may negWm that any or aS snbreghhmd due under do Note end tide Soaurlty Imtrmoteat be made in one or more of the Mowing farms, a? by Leader (a) cash; (b) money order; (c) ramified cbeck bunk check basmrat s dm* or wmiIies dieck, p mvided any mmh abock b drawn upon m imadia ion wbom dgmm b era b uasd by a fderal agency, iosorm y, at sodty; or (d) Electronic Funds Th n0L Psymaab we demand received by Lander when received at dw location dedpated in Wm Nate or at much other ka dan as may be dm%pdod by Lender in wcwdamae wilt the soda pwvid m in Saoliaq 15. Larder nay rmI say psymm or pardal pLymeat if der paymmtt or patW pays mb we asst to bring We Lou tamneat, Leader nay accept any payment or partial paywyd bmMdant to bdog go Isom coma, without waiver of may dgbis batetmder or pjudke to it; don to rain amcb payment or pajrtW pgnamub is the lbtare, but Lander is not oft" In, aptly snob paytuads st do than suds psymmN are aaospiod. If oak Pariodia Payment is applied as of its sclwdA d due dsie, Woe Lander mod not poy i an unappbod Nerds. Ltmder may hold each unappliod finch unit Bormwar smkas psymmmt to bring the conastt I8onower does not do so wUW& a reammbk period of time, L sna eader p mi m apply Mach or raltm b m to Barrowen If not applied Alder, such fnndm will be qpbd b the oats?lmg balance under the Nate !may prier to famWowam. No ofBtmt or chdm wbkh swam might have or to der hum agdod Lander shall reUm Borrower San naftS and t h Sacm* laskunwat or I formilg the eon and agrmementr 2. Applettlea of Payer ante err Preaeda. B=apt a ottmlwin daodbed in ft Saxim ; ail panes opted end applied by Lander Ad be applied is the i --- order of purity: (a) intern doe under the Nobs; (b) pin*d dam aader to Nona; (c) =cum den nude: Sedlan 3. Stub palmmat: rAmi1 be applied t0 each Pubdia Payn mut to the coder in whkh it became daunt. Any r erg smmmft sirsii be applied ticst to lmW cbuVm second to any other amom is due under tads Sea dq+ Gutrumad, and tbe6 to redom tho pdaeipat balance of the Note. If Lender Ya0W a p qmm from Borrower for a ddb qumat Pwwk Payment wW* mahm* a itzMaimt aaamust to pay any bde datge dam, the payment may be applied to dw ddbgm t pgmmt mad the lam charge. 9mono Ahm one Periodic Payment is oushindhS Leader mq apply any lint ,--mivd I?am Borrower to dw npgMWW of Ow Pwiodk Payamb K and to duns oxh of that; msoh paymnt can be paid is full. To do saw An say own aft Idler the payment is applied to the ton psymat of on or ??ra Periodic Paya wan, arch excea may be applied to any ba dins dus, Voluntary prapeymmata sb?l be applied fhvt to mad papaya.. cbKgaa mad then m deaedbed In dam Nate. Any appBoatlom 044701611K imarmoe NOb or Mb=Dmm Pm mds to primal due tinder We Note shall not ettleod or postpone Ate due dtae, or champ the anowdi of Wm Prriodtc I P10ads tw Zen w Bum Bounsw shall pay to Launder an Wa day ?Peyssmms anon', due under the Nola, until the Note is ]add in 14B, a mum (tits "Funds") to provide Oar payment of an now duo for. (a) taxes and amamammb and odw bmm wWA =a mttdm prW* over ft Seca&y bMw mat a a or anamaktance on do PhmpvW. (b) lmseliold payments or ground mma on dam Pnpaty, if erg; (a) [army end all inafuaue =*kod by Lender nailer Sagan. S; and (d) Merigagm lnsnmm prenWmis, if , or my ram pay" by B.".W r to Leader in lieu of then paymmat of Wrtgsge Innhrmoe pstaaias 0 is accordmce with the ptrovbicm of Section 10. Thae items are called "Emrow ]tens." At origbetion or Id any t'l1MYLVA NIA-Shale Fsm4j-ft aha Ms&Vrsd0e Mac UNIFORM 1N8'r'RUKIW Fww 343 t!'el tTW tMA hoot 0 (Par 4 of 16 poWd I b * d v R 14o4 e4 merg Jow fts, 8K i 904rb4984 BK 1908PG2030 time daring Gne term of the Lam, Leader may tegahm that Cumm %Vy Amockdon Dana, Fees,, sad Maes®mW, if may, be atcrowedby Borrower, end much dons, fees and mo mnnnts dml be an Baorow Amen Borrower W" pstm pdy farniah to Leader d noticed of am ats to be paid under We Secdon. AW pay I, be Fames for Escrow Hams a mim Lmdw waives Harrowers ob a to pay for any or all Baarow Ileac. Lender my waive Borrower's obligation to pay to Leader ponds lbr any or DU Escrow Items at any dram. Any such waiver may only be is writing. ER dies event of each waiveti Bm*wer "pay direety, whey and whores payable, to muounts due for any Escrow head for which 1 a3 , 1-1 of Fins bas boos waived by Leader and, E Leader rogairon, shall &m* to Leader receipts evidencing such payment within such than period as Lender any requires. Borrowers obl%om to melm each 1 3 , i and io provide receipts shall for all parpoasa be dammed to be a coveamt and qpcom ccatsioad fat'his Sear>raty hwitummt, m to pho m "coveaaat and Wvomeu" is used in Section 9.9 Bonower is o64tp1saa 10 pay Escrow Bess dh+cctly, pm u& to a waiver, and Borrower Win to pay the amount doe far an P.aarow item, Leader nary moeraise hs dgbk under Section 9 and pay such amount and Borrower dial Omma be obligaiod under Sections 9 to repay to Leader my such amount: Leader may revolm the waiver as to may or all Bmmw liens at may lilac by a entice given is accordance with Seodon 15 md, apart mob revocation, Borrower da pay to Leader all Funds, said in such donoun% that an dam required under this Section 3. Leader may, at any time, collect ad bold Panda is an mmosrat (a) soffixieat to parndt Leader to apply the Ptma at the thm specified under RESPA, and (b) not to exceed the modsomos snow a teo* can require under RBSPA. Len der " esthumm the amount of Phods drum an the basis of anaaat dim, and renombk eetimatas of ezpaoftres of !Imam Bsamw Items or of wmbc in accordance vd& Applicable Law. The Prods shall be hold in an imatitutim whore an irrarroed by a _pwy lookame r, or eerily (including Leaden; if Leader is an iamitution whorls depolb are so MMM" ha any Federal Hoare Lena Bank Lender Add apply Gas Fnada to pay the Escrow Reid an hater tbsa the khan specified under RBSPA. Leader shall not charge Borrower for holding acrd ap*fag the Took amtd?uhlty amdyzbg ft escrow account; or vae?g the Bscrow beams, t>mesr Lsnddr pays Borrower hUat %* e Fnadd and Applicmbda Law permits Lendar b mace such a ctdtge. Unless m agrcmtam is made is wti or Applicable Law requbroa humrest to be paid on the Funds, Candor dM net be reqaiced to pay Bottoa* say intoteat or estahrgt an the Fortis. Borrower and I.eadar can ague is writbg, howevrer, chat tam?I be Lander shall glue to Borrower; without charge, an sumaal aocmnng of rise Fmdd se raqnhvd by +A. If there in it eusplus of Pesach held is asatow, ad defined odes RBSPA, Lander shal meow to Borrower for the erraaes Ansdd in aacodsnce witb RBSPA. U thaw is a oho *p of Farad bold is morrow. u dafiaed order RHEA, Lerudar shall mor* Borrower an reed by RIWA, and Borrower shall pay to Lauder the tmeoeea aaoeanty to ndte up the dhoronge in accordmce with RBSPA, but in no more lisp 12 moa ty payme b. M Ih me is a deflcbm7 of Funds held in mtunar, as defined sander RESPA, Lmdw jiso to make up deficiency is sooa?rdaan ce hwith RESPA, but in m more then 12 12 m a p Upon poyunuat is fWl of all coma secured by this Serenity hakure s, Leader don p mmpdy relied b Bmawor any Punds held by Lauder. 4. CbWW4 Lines. B=Ower Shall pay all lasses, saesmhmlk chance, fines, and unpositio ns attribumble to the Property which can aaain pdadty over No Socu ty IastrumaA leateboid psaytee s or ground remb on the Property, if any, and Community Ammo"om Dues, Fees, ad Asdeg nesgi. if says. To the extent that Gtede items rte Baorow ltmru, Borrower shall pay them in the sasanor provided in Section b. Borroammw a pun" &Nbwp writing to the anynt lim which has priority ever this Saru* Imumaeat ntalees of dia gMion ncuemd by the lien in a manner acceptable to PIS 4mVLVAMU k& FamOy-Fanals Afewreddle Mw UNWORM W STRUa1m POM303f L41 Rstaae mspmll (P*P5q l6PP4Wj Toodrod:t-eooatn.ores m art l 904PG4985 B( ! 908Pu2031 Lender, but only so long a Baaower is pmi o®efrtg each gpana t; (b) do lino in pod 60 , or dWW& a pm mfinament of the lien h4 begat p mceeip which In t eaisr's opinion, opacale to pent the Dofeozmamot of the lien while those pecoaediop are P004% but only and such ate conchaded; or (a) amanms from the h oWer of the 1ka an gponva s"Bimine3 to Land or doe Ilea to dole S=Wv Imummoent. If Lerdor detinmi t that nay pact of the Property is nomot to a lien can attain prloritpr am this Saouftty Iarhu meat, Leader mry give Borlo?er a ponce idsdff g the Within 10 days of the date an which that notice is givers, Bomwer shall aatiafy the lien or take one or dare of the mcdoat ant tomb. above in dds Seatims 4. Lender my ngdm Boczoww to pay a oaa-tine charya for a real cote tax vatiSaation aadlor ropo *g service used by Leader in commotion with this lam S. Property Imstomma. Borrower alull keep the hWo.emests now exbutmg er sated on, dm Property haumd spinet loam by fhe, hazards included with tlm teen aectedW aovarsp," aodl say Amu hamcds iaciodiog, but act lira ted to. eetbgoham and floods, far whin Lender mgahes imurnom, tb(s ins maam shall be somintained, In the amu mta (ioctndiog dadnctibte !Duels) and hr doe padods d*A Lack requiem. What Lndw nmpmres pmmat to the paeft mcglooam can image duflog the team of tba Lam no insolu D carrier providing the hmmm shall be ahoaen by Bonawa samect to Leader's n to dmwprave Bonowar'a cloaca, which right stmfl not be aamcisd vwamow*. Lander MY . Sommw to pay, in comecdoa with this Loa, efflw. (a) a ono4f ae charge for flood soon certification seat haakiai ssrvkcq or (b) a =s4h nn, obappe for hand acne deeesmioetion sad car?lajtfoa sumcas and abs egomt charges each time zeargtpdap or simmilmr chaapa aeaut which =am@ my agippht age t each datam o don. at cordtioodom Donma shall also be rapootdble for the payment of myyltba Wvond by tba Pedmal BmacSmcy emmat Agmoy is caanectiaa with the raview of say flood tone detesmiaetion revokkag Flom an o1?Odoa by Sommer. If Bommar Salle to modalain nay of dm cuvuW described above, Lender may obtsia mnupae covaeage, d Leader's optim. and Bonvwer's expeaas, Leader is =dw no oWiptim to porehasa'', any paida la gpe or amount of covesap. '1 hamfom, such oovaeap slunk mm Lender, but p*,bt err so& not protect Bommor, Borrower's "dty in to Property, or the contsam of do Pnpziy, aping soy r* blond or liabiikj? ad might pmvido t{saater or lesser covanp then was prauiously m affect. Bonower admowkimbes that tine we of to insnnooe eavargp so obtained might shSdflemdy emend the of iosoraooe dum Bot oowa could have obtained. Any amounts disbarred by gander under this Section 5 shall banana additional debt ofBanowe r saomid by this Som* bubmajost. Thaw aonoants Ad bow hrtet est at the Note amts fEom to date of diftmanact and dbaQ bo payable. with such interest; upon entice fmm Lahdt to Barowor m paymm t All itwramca policies required by I.a & and renawals of such policies shall be mWoct to Lwow's right to dlsapprove such policia, shall mahode a standard mmipp *=% and '" muss Ledw as cam a n ld(or a an additional loam payee. Lander shall Nava due right to hold the policies sad rao*ral amtEScates. If Lender aupdraa. Botrowa shall peunptly give to Leader all raoaipb of paid pri, and Tmnswal notice. If Borrower obttdsm any face of hwoaacx coverage, not "dw,vlss nqWW LwAeo for dump to, at chasm dm ot* the Pmpmy. such polk y " bnob da a stendud wmt" cba end it name Lmuiar as math and/or as as addhicod loam payee, In, tiro avesrt of 1051, Baorowec shall Siva prompt notice to Wa instmerce carriar sad Emader, Lender easy, make proof of loam if not made pramo* by Banowea Unless Lefler cod Bottoww othmwi a qp* in writing, nary hwwmaa prtoc t ds, whether or not *a undorb* h ws nsuce wee milked by Lander; shall be applied to mu than or mpah of the Pmpmiy, if the ratsratioa of mpdr is enoomzdaally feasible! and Lender': secculty is not lessaaed. Dm* sack repair and restorstion period. header 422 have ties sight to hold such imarmace mocoods uatft Lcn&r has had as gxmrmwty to inspect suck property to mane the wok PENNSMANU- Sink FWAY-Renate HaWFnddkMu UNMRM VJCM IT parm3o lat "M Inman pail) fta 60 /6Pate+d Taom C.D. mcammp01fte BK 1904PG4986 BK 1903PG2032 Hera been completed to Loader's sdisiltotioa, provided that sack iempection stall be umdaartsben progptly. Linder may dkbme proceeds for the npdm and rmbocadon is a alq& psI i 'or is a robes of p:oOM payer m the wort is aamplmbd. Uslas an is mado in welting or Appliaable Law interest to be paid on such iretamce pw=ods, Larder shell at be mrI I I to pey Barrawer asy a or rtdap on such proceeds. Fees for pubHo &4%dms. or otter ddid patties, rololo d by Borrower stung bs paid out of the ausnmmx proceeds and shall be the sole aW40 a of Bomwer. If trc meatartbekta is nd economiaalty Possible at Fender's mwxfty would be bmemod, the imarasm paooods"be to the mm aecmae I by this Seamity Imo, whether or not then dm wilt the excams, if may, paid to Borrower. Saab iasumm proccod• shag be applied in the order provided for in $a d= Z. If Borrower abandons the Property, Leader may ilk, nmgotistn said settle any available insurance elm and related matter. If Borrower dome not raslmond within 30 days to it notice 6aom Leader that time carrier has ofted to settle a eiahn, then Louder may magotiale mod settle Poe olden. The 30-day win begin when the notice is pimm In sitba avant, or if Under mogWm the Property order Seance or olherwiae. Borrower hereby sedges to Lander (a) Borrower's rights to ay wormon pmneeade in an suer t not to exceed the amounts umupaid under due Note w this Security lnsbu lest, and (b) any other ofBorrower's rights (otber than the right to airy retimd of incensed peemitgare paid by Boman m) under all insmepaaee policies covering the Property, mmk as sorb rights an applicable to to coverage of the Property. L may use lira hmmm pmm& either to repair or restore thin Property or to pay amounts unpaid under the Note or ells seaority lostroommit whether or not Arm duo. 6. Ooarpmq. Borrower shill oocupy, astabbb, red use the Property as Borrower's pdocipal reddence withhh 60 days ndier the mccutimn of this Seaaby Postrmad and dot oonihme to Om" the Property as Bonnower's prind* residence for at leant one year alter the dde of occupancy, mkn Lloder othorwiam egress m wrift which consent dmH not be u mvnora* withhold, or unless edomoodug chmundaaoes smut which sae beyond Borrower's aaabol. % Pnm rvadoih Maiatsmaoae cad Prokedw of the Property; laspsat m. Borrower d ag not destroy, damage at impair to Property. allow the Property to deteriorate or commit waste on the Whetheror act Bommor is zmddiag in on Property, Bom m don tambkb the Property to Orton to J the Property tiom datedomdut or demossing in vda do to th condition. Udm 9 is do*mbnd pre m* to Section 3 that repair or nstmdm h not enssooaaially iCtd`te, 13=m m Anti ptmtpdy repair the >k oily if damaged to avoid further ddatioa or damage. If iastnmce or eondanmdima peoahmds era jmpu in commed n with damage to, or the Inking oC to Property, Borrower tall be mpon;m for repnirieg or mooring the Property only if Pander has xdased pmcmde fa stab putposss. Le sdac mq didxm precede for the repairs and restoration, in a aingk pq. or in a grin of prag paymmb as the wakk is completed. If the iowtsaca or coodem dm proceeds arm not to repair at rmlore the Pm party, Borrower b eat reeved of Botmwer's obiigedom for the coampidbn of mesh repair or nstmtior. Looder or its agent may make is mmuMe ermMm upon and irspectians of the Property. If ik has rasombk cwse, Candor may inspect the bhtmriar of the oa the Proporty. Fender lag give Borrower notim at the time of or prior to such an hhtamior inapmotioa speoily?h?g smah anatoummble comae. L Bw w *es Lora AppitcRdm Borrower shall be in deft k K durhmg the Lora appiioad n, process, Boomwer or any pr mom or coMms rating at the dhaatiaa of Borrower or with Bmfv*er's knowWp or cumsast gave materially fibs, mWmdbg, or inacumamte won or atmtmmda to Under (or failed tD provide Leader with material infomsmad* ffi aoaneatian witln tins Losr. Maeedml includes but are not limited lo, m ems eooocroing Borrower's occupancy of the Property er Borrower's peimapal rnxloocm. 9. Pacts of Lader's Interest in the Property, and nights Leeer thb security lw&ut if (m) Borrower Wb ibo pa 6 the covenants mad agmemeab cooUirmd tethis 3eaaity Inahument, (b) -I x6 PBKN3YLVANU,sk s Pawly-FnwN N wnddk Mina uNiFmm vaTatitltmT Fug Uel rtesmafOL7M01tb (Pais7oj16pWV 7baeroQl4W4 4muft Wj? BK 1904PG4987 BK 1908PG2033 is a legal p moeaft that might slpificsatly affect Lender's rat- in the Pfopaty ratters rigbt under 0& Secaslty Inslamneet (ntmh as a proeeeeBng in bmingfty. prnb i for gallon or iberf 11 for aafoecement of a Don which may attsk pda ty aver this Secorly hiskooM of to enforce In" or raguLtiaos). or (c) Borrower has abandoned the Pmp wW. then Laurier may do and pay for whatever a reasoanblo or appfop irate to protect Leader's iaosrasI in, the property herd robs under thle easily =protectag ashd/or amembs the vales of the Property, and aeerning and/or ?p the Properly. Larder's sctloma can hhedude, but are not ]imfmd ter: (a) psyis8 cry rams secured by t 1 has paority over this Sea dW bsmwm* (b) appearing In court and (c) paying reasonable attorneys'" to protect ib hhtecet1 h? the Property aoft rights under this Security In, iaulndirhg its sesouted poW n m a h tcy proaeedfisg. Scaudeg the Property includes, but is not Nn,dted to aeaterlog the Pei make rupain. change looks, mplace or board vp doors and windows, drain wale: ftm pipaa. dhWaft building or other as& violations or deagarous cows, and bave u!D(tes tnaaed on or off. Lender may tale action, under this Section 9, Lender does ad have to do so and is not under my or obligation to do so. It is agreed thst Lender trans no Iis O* for not taldog any or all actions under this Section 9. sirlhorlsed Any amounts disbursed by Lender under this Seclum 9 d WU become additional debt of Borrower seamed by gds security Ian. These amounts shall bear hrehest at do Note rate have thedoe af dibuniemeot and shall be pq&lc, with such interest, upon notice hoer Lender to Borrower Payment. If is Security instrument is on a leasehold, Burrower " comply with BU the psoviniahs of requeeling the Mersa If Borrower acquires in tit{o to the Property, rho laschold and the fx tits shall not merge ualete Lender agreas to the merger ht writing, Ia. Mortgage IUMUSUM If Lender required Mortgage Inwmene a a condkion of making the LorA Borrower shall pay, the pramimns mgrttod to maindnia Oro 1Kactgage hwa nce in effect 9 far arty reoasak the ?Aodp p Insurance coverage required by Leader Comm to be avIMIC ftrm the mortgage hhnaerl that previously provided such ire and Borrower was required to mdoe neperately dssi?ed palmlontt towwd the psemhmra ibr yAdpge Insaraoa. Banrower ftU pay tha psemhuns reWhod to obthh oov?rage smelly equivalent to the Mortgage herurance prevlontly in cffbck at a cost snbstentaBY apedvaiept to the coat to Borrower of the Mortgage ItaormcC previously in 6904 bid an dumu s mostgsp selected by Lauder. if sabstartaDy ugndv hd MOrtM Lamson coverage is ad available, BOrowerr aanthnte to pay to Linder tar amount of the sspaNety dea*UW payam b that were doe when the insurance coverap9 eesmd to be In etfeat Lender wID soasp% use and mlaia these payments na a hon- re ftwinble loss reserve in lieu of Mortgage lawmen, Such loss reserve *0 be wo-rehadabk nolwWodmding the fact that the Lou is a lea dy paid is AA and Lender :ball not be negrW to pay Borrower any hrteraat or earnings an such loss reserve. Leader an no loaper require lossroves PWMI?m if stap i the ammant selected by Leader spin becomes averHoW lsbtafbr do ine. ad an Leader requires napnmately dedpsated toward the pcsndums for Martgage Insorsoca. If Lender required Mahtgsge laaarams as a of raeldug the Loan and Borrowas wan nSgi*ed to malt: separately dasigaated payment toward tha far Mortgage Imursuce. Borrower shall pay rte premitaw required to maintain lie Inmence is or to provide a nOSbla love reserve, Instil Lender's requhameot for Mortgage rnmranso in accordance with any writlo a agreement between Borrower and Lender providing for such tersdaction orltmtit trminaton. it req*ed by AppUcable Law. Nothing in this Section 10 affe0ta Borrower's obligation, to psy interest at the rate psovidad in the Note. Mortgage Irlltltar00 relcubtu eras Lender (or any entity that pas don the Note) for certain taass it may incur if Borrower does not repay the Loan as agreed. Bostower In, not a party to the Mortgage bunum e. rRlrKSVLVARL -. ft& F.mity-:.Aar. M..ffireddk two nNOPORM itrsratmarnT Fe 30* tai eTMIseenateett) (ftpaOfidPopp) T.0.0*"04M e00Ae Irna SK 1904PG4988 BK 1908PG 034 Mortgage iaemors evahaats ftk total risk an all such iaaamace is fa+ee from lima to time, and Way caret into aymmnaots wide other pardes that share at waft their desk, or reduce lows. These spiama ate am on town and maadidaos that sae msdsfscMy to the mortgage humm and 1ho odd pasty (oar pat" to these speamsa la. These agmansift may require the mortgage to min payments using any memrajee of tiande that the mortgage borer may have available (which any include finds obtaiaod fiam Morgage Imurance pmemiums). As a soup of these agreements, Leader, sayporchaur Of the Nov, another Inca r, any rehaaaac, say other eatity, or any aililists of any of the Rap* may maive (dim* at indiimatty) smmmta that derive Ban (m might be characterized as) a paedoa of Bonowwer's payments for Mam*age Immanea, in eachtkoge far sbu ft or iaodtfjlog the mortgage h ms's rblt, a redacting !oats. If mach sgmonaaat psoviw t m,t m Mists of Leader tstow a shore of the iwmer'm desk is exchan for a dm of &a premiums paid to the insumt, the amtapmueat is often taemed "repo" tainsam ace." Pmdw (a) Any soda agree ne is will nm street the Mmsats that Burrower has agreed to pats fer hbrtgaga Inswaae s, or any Other terms of the Loa. Such afire awnts will not ker aaa the amount Borrower wad oft [err Mortgage ft aranee, and they NO ast sable Borrower to any rdYrad. (b) Any such sgrumeaft will net atlre$ tie rights Borrower 6n-4f sap-with raped to the MOrtgnne Iasormmce under the Homeowners Pretedlaa Ant of I999 or say other haw. That doss lmy tadede the right to roe" sertaln dledumms, to ngwmt and Able eascaffl en of the Mwt&p Iasaraaooey m lava Bee Mortgage laaur'wmcs taa'dnatad arutaaaam>deaHy, castles to reesiwa a ratBeod Mortgage l mrsaaa premium that were nueraad at the these of ewh c a or taedusgim IL Aa?pmw of bflndbnaaa Proceeds; Fw*Kvra Ail visocumeaw Proceeds are Lmreby am4pW to ad doll be paid to Leader. If rho Property ire damaged, such Miscellaneous Proceeds shalt be applied to restomdos or repair of dw Property, If the restovaion or mysir b economically bale cad Landoes sseuz* is not lm=4 Dec such rcpst ad rastexstion parI Leader mlnht have the rightto hold each Iftelliuman Proceeds eodl Leader has bad an O mt0atty to bspect mob Property to eamuns the wait bas been completed to ua4es sadmiimadoo, provided that seal huipection shall be andKtoka p =mpdy. Leader may pay tier the napab :and restoration is a dv& didxvwuvW or in a metier of pmPws payments a 1110 work is ooaapleted, thd* an agramenmt is made in writing or Applicable Law mquira i ismait to be pid err such , Leader shall not be required to pay Borrower any iniesat or a n&p on seal )Andbwwm P MCOW restoration or repair n not economically hasible or I.emWs security wadd be lammed, the ffindim0ou Ptoceade shall be applied to the sw= secured by thds Security bwbm mast, wbedw of not then due, wild the exa mK if any, paid to BoMMM Such bMcdhmeous Pmoeads Ad be applied in the order provided fk in swum I In rho event of a total t Me& deslrsetion, at Loss in value of the Pmparty, the Morn Procgods shall be applied to the ohm secuted by this Security Hnbu nmt, whedw at sot then due, wllh the area if any, paid to BamrownaL In the event of a partial tieing, destruction, or low in value of the Property in which tin fair l value of the P;+sgiariy fomadiately before the partial tddog, dwhtu desk at low in vale is aged to of gmeter than the anmonat of flu mama scour d by this Smn* boboment immediately boom the partial tal*g, deaftuction, or loss in value, valas Bomwor end Leader ubwwise Wet Seauaity Imu m o :ball reduced the amount of dke Woodhoom wrft& the == ercaaad by't&a failowiag fiacdon: (e) the total uno? of the sums seared i zoWbtsiy befbea the paw talc, desaaualon, or low in value divided by (b) the this madt0t value of die Propaq jumodistely b *ftr &c partial b inL deatsuetion, at tom in value. Any balance shall be paid to Bomma. PR WSYLVANV-4 inSk Fmily-FanrkMUftWdkIMWUNUIORMTMTRUMEMr Foprn?ii3099IM M!M I nu P2110 (Pott9ofNlpa04 wodrai:14104raslY ai iii1 8K 1904PG4989 BK 1903FG2035 In the event of a partial taking, destructim or loss in value of the Property in which use fair moicat value of the Property imo:+ Idely bellow the partial taking, destruction, or low is value is loss t6a do amount of the mss mound iannodiately bdbm toe pudat taking, duhtiod^ or loan in vskb, sWess Borrower and Lauder odurw= ague in wab& dw Miscullrnsous Proceeds shall be applied to do sums secured by this Scou ity buftememt whadw or not the sums are han due. If the Pnputy is abandoned by Bmmm. or ii', aftor nodoe by Lender to Borrower dot tke Oppoft Party (as defined in the nerd semtance) oilers to trnke an sward to settle a dW= for damages, Bograwor $M- to respond to Lauder wilt 30 days door tiro dots rho notice is give; Leader is w9horimed to coAM and apply to a+ti eots Proceeds either to tertoratian at npoir of the Proper/ or In des mass secured by rids Security Iaslnmsaat whether or not tlsn dim "Opposing Party" abases the ddad party that owes Bamjrsa' Miscellaneous Proceeds or the party against whom Borrower has a tight of action in rewd to UNcellasious Proceeds. Borrower don be In deLatlt if my action or proceeding. wha6a civil or ahninal, is bepm that, in Lender's judgmso? mould smolt in 6 sl 1-rae of rho Property or Aar material impaluscut of Lender's ustuld is die Property or tlghb under this Snowily Insdniment. Borrower can am sooh a default and, if accaladion bas ocanrmd, raiuthte as provided in Section 19, by caodog the action or proceeding to be dialed with a toting that in Lender's judgmant prnclada fa hiku of the Property or other n_mmwrb1 impalammrt of Lender'a iabrat in rho Property or rights twdac this Semdty hattumoot. The praoaado ot{ cry award or claim for dwo4ps that we attribsoMe to the impdnnmt of Lender's inbteu in the Pwpody are hereby mop d and d aD be paid to Louder. All b1iscallanaous Proceeds that are not applied to restoration or tmpsir of the Propotty shay be applied in the M%W p mvided for is Section 2. 12, Borrows Not Adessedt Forbearance By Lauder Not a Waive. Extension of the time for payment or modit3ouion of awortintlon of the ems secured by this Sscu* Instrument granted by Lotdar to Bonower or any Succomm in Interest of Borrower shag not oparatm to release the liability of Bmow* or any Succeatmn in latemst of Borrower: Lender shell not be rmrpshsd to commence proceedings aMirael may Sucomisor in Inland of Bvrrowar or to a dho to extead time for paymett or otherwise modify anuattkrdion of the sums wound by this Swm* Insksmast by lesson of any demand made by rho adgind Bonwwor or any Snecomots in 11 un tI of Satower. Any inrbeaumoa by Lander in WARD roll any right or moody irsotuding, wH6out itasit dkmk Loader's amep4ioce of payammta tom third peace, oamies or Successors in Interest of Borrows or In amounts leas than the amount then due, shall not be a waiver of or prmcladl the wmciro of any rigid or remedy. 13. Joist and S worg WhIlltyi Co-dgnarr Sucoowors ad Aatgsnt Dowd. Bommor aovenanto and agrees that Bouaowar's obligations and &btlity sball be joint and several. However, any Borrow who co-signs dais Saris lownuantbu but don not eascnte tins Nate (a (a) is mo-48d8 ibis Sa ot* Iarttvmant only to mortgage, grant and oomvey *s ms's d duo is de Prgmtty ads the lass o f rife Semrity bsatrumw* (b) is not persomally obligated to pay the songs reared by this Seounity Iostcaau? and (c) agrees dal Leader and any other Boaowar on agree to esseod, modify, ftxbm at mdse nay ac omm odatioms with rolled to the torts of . this Security Intmosat or the Note wfthout the co-sigma's consent. Subject to do provisions of section 18, any &womsor in Intesost of Bomwer who acmes Borrower's obhp dmms under this Smu tS? Iaatrameat in writing, and b approved by Leader. abseil obtain all of Borrower's riglm and ba efib under this Samrity Imadnment. Bomiwar s6o11 not be idemed Acorn Borrower's obligations and liability under this Seca ty Instrument onka Lander rgreos to suoh ralome in wilting. The oovaoanb and agreomeats of iblu Security babomant shall bind (except a provided in Sootion 20) and benefit de succonoa and assigns of Leads. P N MVAMA--Sin{k Finaly-F&=IaMsWTrsdit toe tRMRM IPOM 1MWT Form IM nsa?»aolweNtu (i'OP10gfldpag") T.Q'.W ICMW4M0 U .n', BK 1904PG4990 BK 1 908Prz036 1 4. Lou Cbnrges. Leader may charge Boaowor fops Oar services performed in connection *ih Borrower's dalimh, fa the propose of pr wcdzg Looder's inswost in the hopedy and dgho under this Security lmtrhmmt. inchsdiag, but not UmkW to, alto mp' fast, property impaction. std valuation. &* Ie regard to any ohec feca, Sts absence of express w1basky lo his Soc uitlr imtmment to charge a q the to Borrower shall not be construed as a peohr'bidon os the dutrgiug of such tee. Leader may tot charge lees that arc etptaesly pubUted by this Security lu tr neat or by AppUable Law. if the Lou is object to a haw which ads naudmma lost clorgm ad Brat law is family inimpoic# so that dw intmat or other Icm charges eoUoatad or to be cogeded in n, wilt the Lora ammad the peomitted liana, than: (a) any such loom. charge shall be reduced by *a swomt mosm cry to re&m the charger in the pasmitted limit and (b) nay sumps skeedy aoRmted Bum Borrower wbioh aceodmd pomdded limits wM be mfitoded to Borrower. Lander my abacus; to mutts this rehmd by reducing the ptiacW O=Wiu wrier the Note or by mating a direct paymont to Bon war. if a rehtrd msbtoes prbx*l, the reduction, be ttestad a a partial pmapaytmnt wbhoat nay prepayment charge (wbdhw at not a paepsyMM is provided for under the Nde? Bownvw-s of any ad rsihad aasia by direct paytnant to will eona?ale a waiver of any right of action Borrower ad& Mae wising aA of smh overcharge. M 10 1111 P . All mutterer Sim by Borrower or Candor im coamestim wills 06 Seem* Todnament most be in err *r, Any codas to Borrower in ooanecdon wih this Secaft >>tmmwt orb n bed m have been given to Borrower when maned by Sat claw mail or when aoa* delivered to Bomwm's now address V sent by oher mesm, Notice to any nun BOaaaa slag coadh* notice to all Boaowws WON$ Applicable law expeawEy re *w otherwise, The notice address d a be the Property Address unless Borrower has designated a substitate notice address by notice to Leader. Burrower " ptampdy notify Lander of Bamawa's clanger of address. If Lundw speadow a p moedwo for ropcti Barowar'a ohaa?a of address, than Borrower shall only report a change of address thmoo that speoilhed proeedom 71M may be ody one designated notice address amder We Socarky Insammat at any an dnm Amy mades to Leader 49 given by delivering It or by mailing it by strut elawelw zaaff to Leed's address swed hernia anIew bas designated mcdbor mWessby notice to Borrower. Any soft in comandan with this Security i sball =t bo deemed to have been given to Leader until aamoly mceived by Lender, If my notice ragaired by this Soauisy betrument is do nVired under Applic" Law, Bra Appli "Lea teQniremeit at'U Sall* the caaapoadiog segairanrent under his Security luka nett, 16. Gover ing Law; Soverobiffin Bales of Casrdroodow This Security lasttammt ahahi be governed by federal law and the law of the d-iodma in wlick Bra hgndy is located All dgW and obligations aantamod in this Saautity laatrantuot tae satiact to nay acquirement, and limidtiaala of Applicable Law. Applicable Law ad& egAcidy or implicitly allow the patder to agree by aoattucf'or it udgbt be short, but such sdaaae deal not be construed as a paoUlbido n agdast agmssa at by oonnaet. zb the event that cry provn or downe oftitis Security lastrument or to Note cowmab wit Applicable Lowstrah eoeW doll not a;;; other provisions of this Security h ilmo ant or the Note which cart be given etfact without the cooffiding provision. As used in We Security lastramow (a) words of the mssarlia Sunda sbsU men and include care muter wads or words of he fe als gender; (b) words In do singular shall meao and iaolude and vies versa; and (c) to word "nosy" gives sole discadoa without air obllgad. to take any acdo x 17. Borrower's Copy Bam wer shill be given erns espy of the Note and of this Security Imtnumw4 M 'lla whr of to Property or a Bmdklai W red In Borrow. As used in this Ssodam IS. "Interest in the Properly" steam any legal or beno&W interest in he Property, including, but not to, chose bano6dai interests tmn:fatod in a bond for deed„ contract hr deed, ho aUmew Was ? or escrow agr t, doe intent of which is Bss trandw of title by Borrower at a future date to a pumbga. t'RtN8MAN1A-Single FmWir-YonMe NowTraddre Not LWIFORM 1NIMM M Form 3M U01 REM taaa tt ermtl (Pane II of16Pweq lbod vQ*1.aaarae DCHWI ai BK 1904PG499 t SK 1906PG2037 If all or any put of the Property or any Interest in the Property is sold or haasfetrad (or if Barower is eat a retard parson and a beaefloW imtersat in Bomawar is soil or a wheat Larder's Oft written cossent, Lander may require humsdivis pgwmt in fail of all sums sowed by this Sagaity Iestrumet However, this option soap not be anvisad by Leader if such exercise is proh&W by Applicable Law. If Lever waseaises this option, Lander shall give Borrower ratios of acoslacs" The own Ad provide a period of at lase'thin 30 days Ewan &a date the notice is am in armAn is with Scotian 15 within which Borrowcr most pay all some ,exceed by this Seemly Iakrtum nt If Borrower mfls to pry these sumo prior to the expiration of this perm, Lander any invoke nay rar"as paauged by Has Sednrity hmt:sm m without lhrdw notice or dosed an Borrower. 19. Bairrowetr'a W& to Reinstate After Awderstint. If Bornowar mats ountain cross, BOQOwar skull have titer xW to have enfasoemaot of d& Security fit eiisoatHmmd at any flan prior to the earliest d (a) An days befasa We of the Property purna t to say power of sale mutabod la, this Security Ind (b) net otherpedod as Applicable Law might specify for In ration d Bohroose s right to rWodR ; or (a) aalry of a enforcing this Severity Iratrumoot. Those condition : uv that Borrower (a) pays Leader all sums which than would be due under this Seawity Instrument and Has Nab as if are aacelaatiaa had occurred; (h) asses any dafsok of my other cavamaa6r or sgramtsots; (c) pap all upown incunrre I a e:oforcing this Sachaity lesttumsei, including, but ant limited to, raasoable atoodse3 1 fees, property inspection and vOntion foes, and other mss indsnned for ft purpose of proteating Leader's iatatesI is the Property and tights under this Secarlgr last un ent; cad (d!) isloes sock action as Lasater' may reasonably Maim so assure that Loader's Wood in the Property and rights under ds& Sedauity IasttnagnaM, and Baerowa's obligation to pry titer sums rearmed by this Severity hotcamar4 shall caution undo ged. Lender may rsgadre that Borrower pry such reinstatement awns nsd aapeases is am or toad of the ilrliolwlug forms, as seiacted by leader: (a) cads: (b) money order; (c) as tiffed dock, bank check, tsessurves wits or cashises check prarvided any such eke* is drawn epee an ioWaWaa whom deposits are instaed by a federal agesay, instrumentality or mdty; or (d) Bleotrosia Fonds Tnu diet, t by Borr?geroG ft Soutity bdnunnht and obligations soc aed hereby shall remain f* ? as if oo accelooft bad occurred. However. this right to veisetata shall not apply in do area of so deratias uvuder Section 18. 28. Sala of I%* Map of Loos Swviosr; ldiotiea of tletenaes+. Tice Note or a partial iaMar W in the Note (togalher with Has Security Iastru nant) cos be sold one or maze times without prior MAIR to Borrower. A sale might result is. a dmsngo in the ratify (lawwn as the "loan Sarvitasn dart oopeam P Odle Payments doe vadee the Note and the Sorority Instrument: and pedaans other mortgage loo servicing obligations uodar the Nola:, Us Security lnstzamank and Applicable Law. Thera also ad& be am or can changes; of the Loss Sarvicer atmalated to a sale of *a Note, U there & a chop of the jam Saguaro; Borrower will be given written notice of the dwp which will state do was and address at the saw Las Servicar, the adduces to which payments should be sods sod say odor h&t madoa RMA requion in ocameadon. with a norics of truster of ser A tg. N the Note is avid and &areama the Lou is ssnkeu( by a Lola Senicer other Hasa the pum aiser a[tha Note, its mortgage hhm servicing obillptien to Boa&** will remain with do Lam Serviear or be fteverfmad to a moor Lou Servicsr and we not assumed hb the Note porcl ssec ankss otharw&a provided by the Nola pu chaser Neither Borrower nor Lewder may oammoeace, jolv6 or be joined to any judicial sWoa (as skim en MvAW %*a or the member of a ciass) tkat Kim fyom the odsr party's ardaus pauraw to this So** lmtrusuo d or dart alleges that the odor party has braadred say psovislos o4 or my dtriy owed by ran n as this Security la skumenk until such Borrower or Lender bas noti6ad the atker party (with such ? moron in complaun with die requirements of Section 15) of such allegedbresch and d bulad tine other paatq a wasombte period aft the giving of such notice to take co rmalln actor, If Applicable Law provides s P6KNMVANUr-Sb & Banitr- Fonds RftW ft"k Mac IAMOWN U46 MUMMT p U81 Mum Iowa pall) (Fade /14 f 16pgw) 1b adraC loo n:A Bit 1904PG4992 BK 1908PG2038 time podod which mud ekgm before certain action can be talma, that time parted will be deasaed to be reasonable for purposes of this pnagaph. The notice of scoobnstion and opportunity to oars givoo to Bocrowet passant to Section 22 and tbo notice of sccdoradan divan to Bomowar poet to Seal 18 shaA be deowd bo sdufy tlae notice sad apportunity to take convWva actin pmvhioaa efdds Section 20. 2L Haaardoea Subdanea. As vied in ibis Section 21: (a) "ffiza1'dows Sabatmoaa" era those sobstamou deilaad n toxic or haza tiew snbatmces, polht ooK or wash by SwAmmmnet Law me4 the following sobtsacea: geaoline, kacosonc, odw Se numbit or toxic pesroleum products, Wmic, pesdcida and hodna des, voUto soWents, mateaisla containing asbaetos or 6rm?ildikyde, and radioaative mN midr, (b) "EwAm xnuMd Law" shots faders; hers and hers of the ja=fadi A a?bsre *a P>nparti is laoa 4 that relate to boaW aaietjr or aavhvamenoal protection, (c) "Bavls l n coW Clemrgr" fiviodes my response action, va noW ad n, or removsi action, as doftad in Bavicanmmdl Law; ad (d) an "Bavirunmbatat ComMoe mama a condition tbat can cause, eombiba o to, or admrWn retinas an Bunn bl C2errmn>tp. Bonraww dhdl not •caun or Peaait the premaoe, ma, dispon% easels, or rci sse of say Hes oohs Substances, or ftestea to release say Hanrda s Sabsbanaes, on or to do Ptopody. Borrower shit sop do, one Wow soyaw alaa to do, soyOftg abating Wes Property (a) &d is to vici ticn of air Bsv l Ltw, (b) wWA oroatas an EnvbonmonW Cw---H ton, or (a) wW* doe b the pane nce, ass, at mlesnl of a Hssadow , cxmates a condition that advetsdy drawls the vAm of the Preparty. The pc notmca aW not namely to the paesaae% use, or abash an de Prapody of tm U qa--ddw of Substanances *9 are genwuratly rocopuized to be app vpclste to narnd raakhm" owes and to msiraeasn4x of the Prape tty (inchOuL but mot liarimd to, basardens abtaaces in eomamma pants). Borrower w" Fowpdy give Lander v vast notice of (a) nq imved madon, olden, dm =4 bws* or elbor whom by any govecamaaW at regubtory agency or private paefy+ bnvolving 14e pnpwiy may Ekwdom wee or Havisvemmtal Law of which Bcrsover has aotud kwwkdlp, (b)', my Bnvh=ulemtsl CamcWion, Inch ding but not limited to, say spIHIoL IealchnL dbdwgp, Tdoac, or dam of reksse of my Esmadous SdisGmee, and (a) any condition. crowed by the lneaeace, use or rdeas of a Haxardow Subdum which edvssaly affects rho vnhe of des Property. If Borrower lassos, or is asxt- by any savanumodd or rardstmY authority', or any pdvdo patty, flat say nomval or other ram 1 1 -lam army Haur&m Substa w of rating due Psopedy is neceasry, Borroww shit promptly take sa mussy reanedial actions in aeeordamaa with Bnvitownsuld L•aw. Nothing Risen shall crass any obligeft an Lender far as Bmirmmmental anoup. NON-UNIFMM C OVMNAN M. Borrower and Lender Saar covalent and agree as 611m m 22. Aacd•radon; Remedios. Leader deft give motke to Borrower prier to acesiendsa follaMas Borrower's breeeb of my covenant a agresnmt M this Seesaws instrnarent (bat ant prior to sewbradw carder Section L/ orders A bla Law provides otbwwfn} Lmclor shall asdfy Borrower c4 aoaong other d*W (a) the d t; (b) Are wdea ngabsd to curd the datipalk; (a) the dsfarlt invest be erred; and (d) that faNare 1s ewe the ddk* at epos" may nnW Is seostersdom of the saws seams by this Sever* Iutroomom% AarWkwwo by jnd oW preeaeii?s ? into of the Property. Leader shall farther Infsres Borrower of the right to rdastats after sad the rigbt to gnat In the hredsoore proteedlmg the mareedstana of a de ftO or any otter dobm of Borreww to sooderedus and 2wedoamn. N the ddalt Is ant amid as q ecl0@ ,Lender at its optisa may require kmw dtate payuent fa that of alt swan seemed by rtes Se=* Imtrar?taA wlowd feather daasnd and essay [unclose Mb Sowo* InOrmovot by ) precoothg, Lender dtoil be 9adita 22,, entitled to Caled A expenses tacearad In par aft ft remedse pre Mdad is No but not limited bh attorneys' tees and costs of title evidemeo to As extort permitted by Applies Ltesbt aw. a'8rKMVANLk-4al PwMy--FtantsMaWrvWWHotUMPORHWOTRUNMRr Plaera L41 r crew ISM13(0111 (Pass IJOfiApaasa AO?dron. r maro-oan Sit 1 904PG4993 9K 1908PG2039 Z& Relase. Upon prymeat of all sun seou ed by this Smw* Instrument. this Boom y Iasheemmt and dye estate conveyed"wroloab and became void. Ailey such accauxaee, Leader dmd q and sati* " Security lostrummest Borrawar shrA pay any recordation cosh. Loader may charge Bom ma 0 fee for rolemiug We Scow* bthwamsat, but only if dye fee is paid to a *W petty far services moda W anti the charging of the Sea is pwmkbd under AppSeable Law. 24. Waivers. Borrower, to the m ant parmitted by AppRo" Lsw, waives and releasas any wror or defects In proceedings to mfimrse this Soctuay Inst umook and boreby was the benefit of my present or lirtme lams providing for stay of execution, mdemion of dare, exemptian Rom attachumut, levy end mlq, tad homestead wm*doa. 22. drat Parried. Borrower'': time to reinstate provided in Section 19 ftil extend to one hour prior to the commencement of bidding at a dahriffs sale or offer sob pursmm to this Sedmky Ins6. 26. Purcltme Money Mortgage. If my of the debt sacuued by this Sm ft Instrument is tact to Borrower to acquire We to de Prgrarty, this Sam* lruhrarleat shad be a puroimse mosey nwrtgega. 27. Interest Rib Ate Judgement. Borrower agrees art do b tamd rate payable after a Judgment is entered on the Note or in an acdoa of mortgage fmvdmm ahsU be the me payable tom team to theme modw the Note. PBNNStn vANtA-Sin& hasty-ream. UmWr@ddW Ku ortwos M P49MUMMNT f Im mahhle ffmot Poll) (Pap is Wid PRPO 1bOEro*Iw r01YC tqi BK 1904PG4994 BK 1900PG'?040 BY SIGNWG BELOW, Bmiawer aecepta and apteaa to the two and aovuub coubdx 8 m pages 1 through 16 of dts Secudty Imhument and in any Rider exaoutod by Borrower and recorded wilt it. 1 a4W2 4A D Adams -Banbwa MiehoN L Aduns -eenowar Bo"oww - (Basso wr ( - -Barrmw -BOrtlow witness: Witlum. r-- PSNNSYLVAMA-Slash Fondly-Feoola MaWFnddk Mae UNIMRM INSTRUMENT Farm 3w Iffit ? mm IMMIs FMI) (Pose 1S of 16pa jei) Toodra t MopabmoRcMt?i'/1.11SI BK 1904PG4995BK 1908PGZ04 l Slate of PENNSYLVANIA County of oxbwl=A On this the 25th day of April 2005 ,before use, the nndam(ped officer, peesanally spp wod Michael L Adams, KrIolln D Adams la dmmd and hdfe knows to me (or satiabotordty Xviol) to be the person(a) wbose wow(s) ARE anbamibed to flee witldn tustnrment and wJmowb*d that THEY executed the earns for the purposes therein coaaieed. IN WrM= WHEREOF, I heceanto set my hand and official seal. NDVMKL PILAgD omm MY Del OM MARCH 10, 2009 Tide ar0iffkw My comadasion expires: After Recordit Retum To: Oftsway FustdkV Divers119ad M*Vw Services L.P. 300 Wsbh Rsat1, sulkIno 5 Horsham, PENNSYLVMIA 19044 CERtTIRCATE OF RESIDENCE L Tina FroicEtof do Iaeby oer* mat the correct addreem of the witldn named lender is 200 Walsh Road, BulldhV S, Horsham, PENNSYLVANIA 18044 W itnose my hand this 25th day of April 2005 Tina Frotdhof %, Aaaata PBtVmLVM -Sfnak PoWly-Faaate MmfiWMla Mae UNIFORM MTRU WUT Fain ]04! Uat tram immix ponl (Page 16 aft6 Paso TQ(hW Q* 1-MO4104EWM BIA 904PG4996 8K 19osPG2042 COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND : ss On this, the 2^d day of May, 2005 before me, the undersigned officer personally appeared Michael L. Adams and Kristin D. Adams, husband and wife, known to me (or satsfactorily proven) to be the persons whose names are subscribed to the within instrument, and acknowledged that they executed the same for the purposes therein contained. In Witness Whereof, I have hereunto y ho t official seal. (SEAL) of OWL. SUM BK 1908PG2043 Exhibit A AID. deed cer Win tract of band sitaste in West Peondwro T. , Cumberbd Coa*ty, Poe Wing Lot 94 of a ]dal SubdWas Iasi DowdepwAW Fin for Hack Strjs prepared by Maddaa Zagiecaft So vkee, Le., dated 4R1#4 and 1 son Is Cambeelind County Ass Hook 0, Tip 5% being sun few dnm*W as Warm WGROMW at a point located abet a private eigrt of wary kaewn w Flu Lane at the carer of I& A; thence abut Lot A North 81 degneo M nki tee 6 ae k Zak 13?m fest to a peiat at bob now or formerly of Cb mW hL and Mary L Hiaeser; dmft slug aid bob of Amer, Sov& U dWms 44 miffs 41 nose& Baet,13.36 feet to a pow tbeaoe 80 dag aid kab of Blmw, Son& id degas 44 mhown 41 eaoowk 201411.72 feet to a peiat Iseated is a pWMk rigid of wary known w Hw>c Stews dmn aiaeg Street, Saeth 57 deSneo 52 nebula 52 swmb West, ION fiat to a point, toasted sjong the aid Pleoe Lase; thence along add Pine Lam,, Nwa g dsgrew 19 dw Ace 04 e West, IL29 ibet to a poIs4 tbence dM abng wid Me Lase, N" I degrees 19 miaaan 54 mom b West, 71.55 feat to an iron pia to be eat bcated st the corner of Lat A as point and pba of BW NNING. I Certify this to be recorded In Cumberland County PA .t..s?- E ? Recorder of Deeds 8K 1908PG2044 '. k)AA5 NOTE 1 April 25, 2005 Carlisle PENNSYLVANIA Par] [city) (Sam] 1 Pine Lane Plainfield, PENNSYLVANIA 17081 lPropaty Addteaal 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $ 143,200.00 (this amount is called "Principan, plus interest, to the order of the Lender. The Leader is Gateway Funding Diversified Mortgage Services L.P. I will matte all payments under this Note in the farm of cash, check or money order. I understand that the Lender may transfer this Note The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. INTEREST Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of 625000/0. The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payment on the let day of each month beginning on June 01, 2005 I will take these payments every month until I have paid all of the principal and merest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. If, on May 01, 2035 , I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date." I will make my monthly payments at 300 Welsh Road, Building 5, Horsham, PENNSYLVANIA 19044 (B) Amount of Monthty Payments My monthly payment will be in the amount of U.S. S 881.71 or at a different place if regnred by the Note Holder. 4. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due A payment of Principal only is known as a "Prepayment, When I make a prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply ray Prepayment to the accrued and unpaid mterest on the Prepayment amount, before applying my Prepayment to reduce the Principal amount of the Note If I make a partial Prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. MULTISTATE FIXED RATE NOTE-Single Farmiy-Fannie M$w7reddle Mae UNIFORM INSTRUMENT Form 32001/01 ITEM leaeta roam lPoge! oj3Pas-) ToQrarOa r-masto-ctasoao., isniar?Drtsi ?VVJ 5. LOAN CHARGES If 's law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then. (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from the which exceeded permitted limits will be tefimded to me. The Nate Holder may choose to nab this refiind by reducing the Principal I owe under this Note or by making a direct payment to me. If a refand reduces Principal, the reduction will be treated as a partial Prepayment. 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of Fifteen calendar days afterthe date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 4.0000% of my overdue payment of principal and interest I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date itis due, I will be in default. (C) Notice of Default If I am in defauh, the Note Holder may send me a written notice telling me that if l do not pay the overr(tie amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is trailed to me or delivered by other means. (D) No Waiver By Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay Immediately in Hill as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay Immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees. 7. GMNG OF NOTICES Unless applicable law requires a different method, any nonce that must be given to me under this Note will be given by delivering it or by mailing it by fast class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address Any notice that must be given to the Note Holder under this Note will be given by delivering it or by marling it by first class marl to the Note Holder at the address stated in Section 3(A) above or at a different address if l am given a notice of that different address 8. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Nate, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over.these obligations, including the obhgationy of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in tits Note. The Note Holder may enforce its tights under this Note against each person individually or against all of us together. This means that anyone of us may be required to pay all of the amounts owed under this Note 9. WAIVERS I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" [Weans the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 10. UNIFORM SECURED NOTE This Note is a uniform Instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the "Security Instrument"), dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep the promises which I make in MULTISTATE FIXED RATE NOTE-Single Famly-Faonle Madlkeddte Mac UNIFORM INSTRUMENT Farm 33001101 WEATIANn • rrEm4154&2(0011) (Page 2 Of.l Fag-) Tooeroa 1-arim3ii-mcFerms-701.101 t this Note. That Security instrument describes how and under what conditions I may be required to make mediate payment in full of all amounts I owe under this Note Some of those condmons are described as follows: If all or any part of the Property or any interest in the Property is sold or ttansfemed (or if'Boriower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Leader may require immediate paytnem in fall of all sums secured by tits Security Instrument. However, tins option shall not be exercised by Lender if such exercise is prohibited by Applicable Law If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sutra prior to the expiration of tits period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. Borrower has executed and acknowledges receipt of pages 1 through 3 of tits Note. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED 117 6_ T (Seal) cs?an Michael L Adams Borrower Kriat n Adams -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrowv -Borrower Pay t0 Ofder Of j%OW C "ARM &I 0,dyj Furift fled MMVW LP. 6ate>rrall ft Assistant ice President MULTISTATE FIXED RATE N(yrE-Single Family-Faoale Mae/Freddle Mac UNIFORM INSTRUMENT Form 3200 U01 GRBATtAND ¦ rrEM 164W (0011) (Page 3 oj3 pages) Tood ok uaoasaaa GRa de7on-1131 Date: ` Michael L. Adams 1 Pine Lane Plainfield, PA 17081 7010 1670 0001 0047 6558 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE attached Pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. LXhiobt4 " r, 1 1 you meet with the Counseling Agency. HOMEOWNER'S NAME(S): Michael L. Adams and Kristin D. Adams PROPERTY ADDRESS: 1 Pine Lane, Plainfield, PA 17081 LOAN ACCT. NO.: ORIGINAL LENDER: Gateway Funding Diversified Mortgage Services L/P/ CURRENT LENDER/SERVICER: Chase Home Finance, LLC LAW FIRM FILE NO.: 10-038448 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOU DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS 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 gounty in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). 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 have for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEM-4P APPLICATION AS SOON AS POSSIBLE. IF 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, I7V THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE' YOUHA THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE T PERIODS A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. f you have filed bankruptcy, you can still apply for Emergency Mortgage Aspistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at: 1 Pine Lane, Plainfield, PA 17081 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: April 1, 2010 to September 1, 2010 @ $1,135.55 = $6,813.30 Other charges (explain/itemize): Pre-Default Late Charges: _ $35.27 TOTAL AMOUNT PAST DUE: _ $6,848.57 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not a licable : HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $6.848.57, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to: Chase Home Finance, LLC c/o Shapiro & DeNardo, LLC 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable.) IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal' proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) !2AY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing _any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 3 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: C/O The Law Firm of Shapiro & DeNardo, LLC Address: 3600 Horizon Drive, Suite 150, King of Prussia, PA 19406 Phone number: (610)278-6800 Fax number: (610)278-9980 Contact person: Christopher A. DeNardo, Esquire EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You X may or _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a list of all Counseling Agencies listed in Appendix C, FOR THE COUNTY in which the property is located, using additional pages if necessary). HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Adams County Interfaith Housing Authority 40 E High Street Gettysburg, PA 17325 717.334.1518 CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 888.511.2227 888.511.2227 Community Action Commission of Captial Region 1514 Deny Street Harrisburg, PA 17104 717.232.9757 Loveship, Inc. 2320 North 5th Street Harrisburg, PA 17110 717.232.2207 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 PHFA 211 North Front Street Harrisburg, PA 17110 717.780.3940 800.342.2397 Date: q NO Kristin D. Adams 1 Pine Lane Plainfield, PA 17081 7010 1670 0001 0047 6855 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able The name, address and phone number of Consumer Credit Counseling Agencies serving hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. you meet with the Counseling Agency. HOMEOWNER'S NAME(S): Michael L. Adams and Kristin D. Adams PROPERTY ADDRESS: 1 Pine Lane, Plainfield, PA 17081 LOAN ACCT. NO.: ORIGINAL LENDER: Gateway Funding Diversified Mortgage Services L/P/ CURRENT LENDER/SERVICER: Chase Home Finance, LLC LAW FIRM FILE NO.: 10-038448 -HOMTOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOU DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS 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 countv in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. 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 have for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMAM 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' _,.._, - - .n- _r/ rr", T/1 L rr C A uD¦A'A D A DDY Tf-ATrnN FVF]V RF.YnND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Morta e Assistance. HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it uo to date). NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at: 1 Pine Lane, Plainfield, PA 17081 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: April 1, 2010 to September 1, 2010 @ $1,135.55 = $6,813.30 Other charges (explain/itemize): Pre-Default Late Charges: _ $35.27 TOTAL AMOUNT PAST DUE: _ $6,848.57 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not a licable : HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $6,848.57, PLUS ANY MORTGAGE PAYMENTS AND LATE _CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to: Chase Home Finance, LLC c/o Shapiro & DeNardo, LLC 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable.) IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due *immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney'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 cure the default within the THIR'T'Y (30) DAY period. you also include other reasonable costs. If you c:.=.. =u the - will n6t be required to pay attorney's fees. OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and 12revent the sale at any time up to one hour before the Sheriff s Sale. You may do so by paying; the total amount then Rast due plus any late or other charges theq due, reasonable Sheriffs Sale as specified in writing by the lender and by performing any otner reguiMments under Inc mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 3 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: C/O The Law Firm of Shapiro & DeNardo. LLC Address: 3600 Horizon Drive, Suite 150, Kiniz of Prussia, PA 19406 Phone number: (610)278-6800 Fax number: (610)278-9980 Contact person: Christopher A. DeNardo, Esquire EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You X may or _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a list of all Counseling Agencies listed in Appendix C, FOR THE COUNTY in which the property is located, using additional pages if necessary). HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Adams County Interfaith Housing Authority 40 E High Street Gettysburg, PA 17325 717.334.1518 CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 888.511.2227 888.511.2227 Community Action Commission of Captial Region 1514 Derry Street Harrisburg, PA 17104 717.232.9757 Loveship, Inc. 2320 North 5th Street Harrisburg, PA 17110 717.232.2207 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 PHFA 211 North Front Street Harrisburg, PA 17110 717.780.3940 800.342.2397 ff 7010 1b7? Date: CA? l0 Q0p1 0047 6846 Michael L. Adams 1 Pine Lane Carlisle, PA 17015 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE attached pages. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housiag Finance Agency toll free at 1-800-342-2397. (persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. you meet with the Counseling Agency. HOMEOWNER'S NAME(S): Michael L. Adams and Kristin D. Adams PROPERTY ADDRESS: 1 Pine Lane, Plainfield, PA 17081 LOAN ACCT. NO.: ORIGINAL LENDER: Gateway Funding Diversified Mortgage Services L/P/ CURRENT LENDER/SERVICER: Chase Home Finance, LLC LAW FIRM FILE NO.: 10-038448 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE ANO HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOU DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS WXW 'MVIr- MTTCT nrrTTR WTTffW THE NEXT THIRTY-THREE (33) DAYS. IF YOU 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 cpunty in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. 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 have for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLH IF 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 FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance. HOW TO CURE YOUR MORTGAGE DEFAULT Bring it uo to date). NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at: 1 Pine Lane, Plainfield, PA 17081 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: April 1, 2010 to September 1, 2010 @ $1,135.55 = $6,813.30 Other charges (explain/itemize): Pre-Default Late Charges: _ $35.27 TOTAL AMOUNT PAST DUE: _ $x,848.57 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not a licable : HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $6,848.57, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to: Chase Home Finance, LLC c/o Shapiro & DeNardo, LLC 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable.) IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal' proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paving the total amount then past due, plus any late or other charges then due, reasonable attorneys fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as Mecified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 3 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: C/O The Law Firm of Shapiro & DeNardo, LLC Address: 3600 Horizon Drive, Suite 150, King of Prussia, PA 19406 Phone number: (610)278-6800 Fax number: (610)278-9980 Contact Person: Christopher A. DeNardo, Esquire EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You X may or _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE PROCEEDING OR ANY OTHER MORTGAGE DOCUMENTS, OF A DEFAULT IN ANY FORECLOSURE LAWSUIT INSTITUTED UNDER THE • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a list of all Counseling Agencies listed in Appendix C, FOR THE COUNTY in which the property is located, using additional pages if necessary). HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Adams County Interfaith Housing Authority 40 E High Street Gettysburg, PA 17325 717.334.1518 CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 888.511.2227 888.511.2227 Community Action Commission of Captial Region 1514 Deny Street Harrisburg, PA 17104 717.232.9757 Loveship, Inc. 2320 North 5th Street Harrisburg, PA 17110 717.232.2207 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 PHFA 211 North Front Street Harrisburg, PA 17110 717.780.3940 800.342.2397 Date: 1 c0 7010 1670 0001 0047 5643 Kristin D. Adams --___- 1 Pine Lane Carlisle, PA 17015 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able mm ? T F Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (persons'', with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. you meet with the Counseling Agency. HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER: CURRENT LENDER/SERVICER: LAW FIRM FILE NO.: Michael L. Adams and Kristin D. Adams 1 Pine Lane, Plainfield, PA 17081 Gateway Funding Diversified Mortgage Services L/P/ Chase Home Finance, LLC 10-038448 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOU DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS 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 property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). 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 have for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMP APPLICATION AS SOON AS POSSIBLE. IF 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'.T."rfT nn crr D . rx"" D "PT rye Trn7v FVFN RF.Vn ND THESE TIMEPERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance. HOW TO CURE YOUR MORTGAGE DEFAULT (Brim it up to date). NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at: 1 Pine Lane, Plainfield, PA 17081 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: April 1, 2010 to September 1, 2010 @ $1,135.55 = $6,813.30 Other charges (explain/itemize): Pre-Default Late Charges: _ $35.27 TOTAL AMOUNT PAST DUE: _ $6,848.57 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not a licable : HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $6,848.57, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to: Chase Home Finance, LLC c/o Shapiro & DeNardo, LLC 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable.) IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to acceler&$e the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal' proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by _paying the total amount then past due plus any late or other charges there due, reasonable attorneys fees and costs connected with the foreclosure sale and any other costs coy 1jected with the Sheriffs Sale as Recified in writing by the lender and bY_performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately 3 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: C/O The Law Firm of Shapiro & DeNardo, LLC Address: 3600 Horizon Drive, Suite 150, Kine of Prussia, PA 19406 Phone number: (610)278-6800 Fax number: (610)278-9980 Contact Person: Christopher A. DeNardo, Esquire EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You X may or _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a list of all Counseling Agencies listed in Appendix C, FOR THE COUNTY in which the property is located, using additional pages if necessary). HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Adams County Interfaith Housing Authority 40 E High Street Gettysburg, PA 17325 717.334.1518 CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 888.511.2227 888.511.2227 Community Action Commission of Captial Region 1514 Deny Street Harrisburg, PA 17104 717.232.9757 Loveship, Inc. 2320 North 5th Street Harrisburg, PA 17110 717.232.2207 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 PHFA 211 North Front Street Harrisburg, PA 17110 717.780.3940 800.342.2397 e VERIFICATION 1 dmf 0+1 Am?oC??.i is 4?, `?CeS?c?P.ri a' hereby states that he/she of JPMorgan Chase Bank, National Association, in this matter and is authorized to make this Verification. The statements of fact contained in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his/her knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. ame: Camron Chambers 3 a 2Gr 2 DATE: Title: e: Vice President Company: JPMorgan Chase Bank, National Association S&D FELE NO: 10-038448 Michael L. Adams and Kristin D. Adams JPMorgan Chase Bank, National Association VS. Michael L. Adams 101 Lawrence Lane Apt 1 Carlisle, PA 17015 Kristin D. Adams 1 Pine Lane Plainfield, PA 17081 DEFENDANTS Plaintiff(s) Defendant(s) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, : PENNSYLVANIA . CD CD . - A ? ?TAP 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 2510 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. Respectfully submitted: SHAPIRO & DeNARDO, LLC C Zz", UUVI-- Date Attorneys for Plaintiff 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 vrovide 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: Email: # of people in household State: Zip: Yes ? No ? Listing Date: Pricel Realtor Phone: Yes ? No ? State: Zip: Home: Office: Cell: Other: Home: Cell: State: Zip: Office: Other: How Long?, First Mortgage Lender: Type of Loan: Loan Number: Date You Closed Your Loan: Second Mortgage Lender: Type of Loan: Loan Number: Total Mortgage Payments Amount:$ Included Taxes & Insurance: Date of Last Payment: Primary Reason for Default: How Long? Is the Loan in Bankruptcy? Yes ? No ? If yes, provide names, 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 #2: Model: Year: Amount Owed: Value: Other transportation (automobiles, boats, motorcycles Model: Year: Amount Owed: Value: Monthly Income: Name of Employers: 1. 2. 3. Additional Income Description (not wages): 1. monthly amount: 2. monthly amount: Borrower Pay Days: Co-Borrower Pay Days: Monthly Expenses:(Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Morta a Food 2" Mortgage Utilities Car Payment(s) Condo/Nei h. Fees Auto Insurance Med. (not covered) Auto fuel/re airs Other prop. Payment Install. Loan Payment Cable TV Child Su ort/Alim. Spending Money Da /Child Care/Tuft. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income & Expenses: Have you been working with a Housing Counseling Agency? Yes ? No ? If yes, please provide the following information: Counseling Agency: Counselor: Phone (Office): Fax: 2 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: I/We, , authorize the above named to use/refer this information to my lender/servicer for the sole purpose of evaluating m 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 Date Co-Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: Proof of income Past 2 bank statements Proof of any expected income for the last 45 days Copy of a current utility bill Letter explaining reason for delinquency and any supporting documentation (hardship letter) Listing agreement (if property is currently on the market) SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor A cfflt1t"j/44ff r. II T PR-11' H, V r7'.,i A.\ i ?. 12 JUL 16 AM 8: 4 7 CUMBERLAND COUN tY PENNSYLVANIA JP Morgan Chase Bank, NA vs. Michael L. Adams (et al.) Case Number 2012-3976 SHERIFF'S RETURN OF SERVICE 06/26/2012 05:45 PM - Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on June 2 , 2012 at 1745 hours, he served a true copy of the within Complaint in Mortgage Foreclosure and Notice of Residential Mortgage Foreclosure Diversion Program, upon the within named defendant, to wit: Kristin D. Adams now known as Kristin D. King, by making known unto herself personally, at 249 W. Promfret Street, Apartment B, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same fine handing to her personally the said true and correct copy of the same. ROMERT BITNER, D 06/28/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent sea ch and inquiry for the within named defendant to wit: Kristin D. Adams, 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 Kristin D. Adams. Request for service at 1 Pine Lane, Plainfield, Pennsylvania 17081 is vacant. 06/28/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent sea ch and inquiry for the within named defendant to wit: Kristin D. Adams, 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 Kristin D. Adams. Request for service at 101 Lawrence Lane, Apartment 1, Carlisle, Pennsylvania 17015 the Defendant was not foun J. Deputies were advised, Kristin D. Adams has never resided at this address. 07/05/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent sea ch and inquiry for the within named defendant to wit: Michael L. Adams, 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 Michael L. Adams. Request for service at 1 Pine Lane, Plainfield, Pennsylvania 17081 is vacant. 07/05/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent sea ch and inquiry for the within named defendant to wit: Michael L. Adams, 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 Michael L. Adams. Request for service at 101 Lawrence Lane, Apartment 1, Carlisle, Pennsylvania 17015 the Defendant was not found. Deputies were advised, Michael L. Adams has not resided at this address in five years. 07/05/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent sea ch and inquiry for the within named defendant to wit: Occupant of 1 Pine Lane, Plainfield, Pennsylvania 17081, but was unable to locate them in his bailiwick. He therefore returns the within Complaint in Mortgage Foreclosure and Notice of Residential Mortgage Foreclosure Diversion Program as not foun as to the defendant Occupant. Request for service at 1 Pine Lane, Plainfield, Pennsylvania 17081 is vacant. (c) countysuite ahentf Tel ;. SHERIFF COST: $151.00 SO ANSWERS, July 09, 2012 R ANDERSON, SHERIFF r,c! CN,frySuitc She-f TM osxt I. SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-038448 JPMorgan Chase Bank, National Association PLAINTIFF VS. Michael L. Adams and Kristin D. Adams DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO: 12-3976 77 r a PRAECIPE FOR REINSTATEMENT --, . rat ? ? TO THE PROTHONOTARY: cn3` c? i -t = cc Kindly reinstate the Complaint in the above-captioned matter. 1-7 1 _ rn .10 SHAPIRO & DeNARDO, LLC BY: Christo r A. DeNardo, Esquire Attorney for Plaintiff 0 1!5 PD A-nY c# 1#000y8c1 0 :2-7 5?o ? SI , . ?RDO, LLC 131" '.1 l -'R A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 75447 MK t!:; t + "1-ARK, ESQ., ATTORNEY I.D. NO. 202929 LES' 11, k" ` Si . ESQ., ATTORNEY I.D. NO. 58365 3- RIVE, SUITE 150 1?" : .. .:..".AA, PA 19406 TF-,t.[:PIIONE: (610)278-6800 S & D FII F NO. 10-038448 Bank, National Association + + VS. + ,one Apt. 1 Carlisle, PA 17015 Kristin D. Adams COURT OF COMMON PLEAS CIVIL, DIVISION CUMBERLAND COUNTY NO: Q - ety", I Pine Lane Nainf eld, PA 17081 DEFENDANTS COMPLAINT- CIVIL ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISII'I'O DEFEND AGAINST THE CLA14MS SET FORT RI IN THE F OI LOWING PACES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY.I ITORNEY AND FILING. WRITING WITH THE COURT YOUR DEFENSES Olt OBJECTIONS'TOTHE CLAIMS SET FORTH AGAINST YOU. YI ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY' I?ti TERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY TIIE PLAINTIFF. YOU MAY I,OSE HONE' OR PROPI RTY OR OTIIF,it RIGHTS IMPORTANT'TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CA`NOT AFFORD ONE, GO 3'0 OR'TELE:PI ONE TilE OFFICE SET FOKI'II BELOW -1.0 FIND OUT wIIERE: YOU Ce GE LEGAL III?I,P. IF YOU CANNOT AFFORD TO HIRE A LAWYER, TIiIS OFFICE, MAY BE ABLE'TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FE OR NO FEE. SHAPIRO &DeNARDO, LLC ' �' 4 , NO TA BY: LEONARD J. MUCCI, III, ESQUIRE ,, ATTORNEY I.D. NO: PA Bar#92357 ` `1 � 19 A111: 11 3600 HORIZON DRIVE, SUITE 150 r"IMBERLAND cU3Y KING OF PRUSSIA, PA 19406 EINNSYLVANIA TELEPHONE: (610)278-6800 S &D FILE NO. 10-038448 JPMorgan Chase Bank,National Association COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION vs. CUMBERLAND COUNTY Michael L. Adams and Kristin D. Adams DEFENDANTS NO:12-3976 PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES Enter Judgment IN REM in the amount of $173,082.32 in favor of the Plaintiff and against the Defendants,jointly and severally, for failure to file an answer to Plaintiffs Complaint in Mortgage Foreclosure within 20 days from service thereof and assess Plaintiffs damages as follows and calculated as stated in the Complaint: Principal of Mortgage Debt Due and Unpaid $133,981.99 Interest Accrued $25,121.52 Late Charges $35.27 Escrow Advances $9,618.67 Property Inspection $126.00 Property Preservation $496.37 Attorney Fees &Costs of Foreclosure $3,702.50 BY: � $173,082.32 Leonard J. Mucci, III, Esquire Attorney for Plaintiff AND NOW,judgment is entered in favor of the Plaintiff and rn7DOPants an d damages are assessed as above in the sum of$173,082.32. 10-038448 Q- � SHAPIRO &DeNARDO, LLC BY: LEONARD J. MUCCI, III, ESQUIRE ATTORNEY I.D.NO: PA Bar#92357 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S &D FILE NO. 10-038448 JPMorgan Chase Bank,National Association COURT OF COMMON PLEAS 3415 Vision Drive CUMBERLAND COUNTY Columbus, OH 43219 PLAINTIFF 12-3976 VS. Michael L. Adams and Kristin D. Adams DEFENDANT(S) STATE OF: Pennsylvania COUNTY OF: Montgomery AFFIDAVIT OF NON-NIILITARY SERVICE THE UNDERSIGNED being duly sworn, states that he/she is over the age of eighteen years and competent to make this affidavit and the following averments are based upon information contained in the records of the Plaintiff or servicing agent of the Plaintiff and that the above captioned Defendants last known address is as set forth in the caption and they are not to the best of our knowledge, information or belief, in the Military or Naval Service of the United States of America or its Allies as defined in the Soldiers and Sailors Civil Relief Act of 1940, as amended. SHAPIRO &DENARDO, LLC By: Al� MAS Z/ �--7 Leonard J. ucci, III, Esquire Sworn to and subscribed before me this_ day of 2013. COMMONWEALTH eF PENNSVLVMIA tart' u iC Notarial Seal Jennifer M.Sharkey,NoWy public upper Merlon Twp.,Montgomery County My Commieslon Bow Oct.19,2014 Member.PennsWanle Association of Notaries SHAPIRO& DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO,ESQUIRE ATTORNEY I.D. NO: PA Bar# 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S &D FILE NO. 10-038448 JPMorgan Chase Bank,National Association COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY VS. ; NO: 12-3976 Michael L. Adams and Kristin D. Adams ; DEFENDANTS CERTIFICATION OF MAILING NOTICE UNDER RULE 237.1 The undersigned hereby certifies that a Written Notice of Intention to File a Praecipe for the Entry of Default Judgment was mailed to the defendant(s) and to his, her,their attorney of record, if any, after the default occurred and at least(10) days prior to the date of the filing of the Praecipe. Said Notice was sent on the date set forth in the copy of said Notice attached hereto, November 6, 2012 to the following Defendants: Michael L. Adams, 6251 Carlisle Pike, Mechanicsburg, PA 17050 Kristin D. Adams, 249 W. Promfret Street, Apt. B, Carlisle, PA 17013 gag cio Tiffany Donnell, Lega ssistant to Christopher A. DeNardo, Esquire for Shapiro & DeNardo, LLC SHAPIRO 8c DeNARDO,LLC BY: CHRISTOPHER A. DeNARDO,ESQUIRE ATTORNEY I.D.NO: PA Bar#78447 3600 HORIZON DRIVE,SUITE 150 KING OF PRUSSIA,PA 19406 TELEPHONE:(610)278-6800 S dt D FILE NO. 10-038448 JPMorgan Chase Bank,National Association ; COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY VS. ' NO: 12-3976 Michael L. Adams and Kristin D.Adams DEFENDANTS NOTICEOF MMON TO TAKE DEFAULT BO-OWANT NOTICE TO: Michael L.Adams DATE OF NOTICE:November 6,2012 You are in de&uk because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten(10)days from the date of this notice,a Judgment any be entered against you without a hearing and you may lost;your property or other important rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one,go to or telephone the following of fRce to find out where you can get legal help: Cumberland County Lawyer Refemral Service Cumberland County Bar Association 32 South Bedford Street • Carlisle,PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR AITEMPI1NG TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTIFICACION IMPORTANTE Usted se encuentra en estado de rebeldia por no haber tornado la action requirida de su parte en me cam. Al no tornar la action debida dentro de un termino de diez(10)dies de la fecha de esta notification,el tribune podra,sin necesidad de compararecer usted in Corte o escuchar pmuba algw a,dieter sentencia en su contra. Usted puede perder bienes y otros derechos importantes. Debe Mover esta notificacion a un abogaio immediatamente. Si usted no tiene abogsdo o si no tiene dinero suficiente pare tal servieio,vaya on persona o llame por telefono a la oficine cuya direction se encuentra escrita abajo para avedguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle,PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Michael L.Adams,6251 Carlisle Pike,Mechanicsburg,PA 17050 Kristin D.Adams,249 W. Promfret Street,Apt. B,Carlisle,PA 17013 Christopher A. DeNardo,Esquire Shapiro&DeNardo,LLC Attorney for Plaintiff SHAPIRO&DeNARDO,LLC BY: CHRISTOPHER A. DeNARDO,ESQUIRE ATTORNEY I.D.NO: PA Bar#78447 3600 HORIZON DRIVE,SUITE 150 KING OF PRUSSIA,PA 19406 TELEPHONE:(610)278-6800 S&D FILE NO. 10-038448 JPMorPn Chaser Bank,National Association ; COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY VS. ; • NO: 12-3976 Michael L.Adams and Kristin D.Adams ; DEFENDANTS NOTICE OF,IIMMD=TO JAM FAW OM ba .1 IMPORTANT NOTICE TO: Kristin D.Adams . DATE OF NOTICE:November 6,2012 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the count your defeases or objections to the clairns set forth against you. Unless you act within ten(10)days fian the data of this notice,a Judgment may be entered against you without a hearing and you may lase your property or other important rights. You should take this notice to a lawyer at once. If you do trot have a lawyer or cannot afford one,go to or telephone the following office to find out where you can get legal help: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle,PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADYMD THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPT W G TO COLLECT A DEBT. ANY INFORMATION OBTAMD WILL BE USED FOR THAT PURPOSE. NOTIFICACION IMPORTANTE Usted se encuentra en estado de rebeldia por no haber tornado la accion requirida de su parte en este caso. Al no tomar la accion debida dentro de un termino de diez(10)dins de la fecha de esta notificacion,el tribuna,podia,sin necesidad de compararecer usted in corte o escuchar preuba alguna,dictar sentencia en su coma. Usted puede perder bienes y otros derechos importances. Debe llevar esta notificacion a un abogado immediatamente. Si usted no tiene abogado o si no tiene dinero suficiente pars tal servicio,vaya en persona o Name por telefono a la oficina cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir assitencia.legal: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle,PA'17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL QE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Michael L. Adams,6251 Carlisle Pike,Mechanicsburg,PA 17050 Kristin D.Adams,249 W. Promfret Street,Apt.B,Carlisle,PA 17013 Christopher A. DeNardo,Esquire Shapiro&DeNardo, LLC Attorney for Plaintiff SHAPIRO &DeNARDO, LLC BY: LEONARD J. MUCCI, III, ESQUIRE ATTORNEY I.D.NO: PA Bar#92357 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S &D FILE NO. 10-038448 JPMorgan Chase Bank,National Association COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION vs. CUMBERLAND COUNTY Michael L. Adams and Kristin D. Adams DEFENDANTS NO:12-3976 CERTIFICATE OF SERVICE I, Leonard J. Mucci, III, Esquire, Attorney for the Plaintiff, hereby certify that I have served by first class mail, postage prepaid, true and correct copies of the attached papers upon the following person(s)or their attorney of record: Michael L. Adams, 6251 Carlisle Pike, Mechanicsburg, PA 17050 Kristin D. Adams, 249 W. Promfret Street,Apt. B, Carlisle, PA 17013 Date Mailed: SHAPIRO &DeNARDO, LLC BY: Leonard J. Mucci, III, Esquire Attorney for Plaintiff SHAPIRO &DeNARDO, LLC BY: LEONARD J. MUCCI, III, ESQUIRE ATTORNEY I.D. NO: PA Bar#92357 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA,PA 19406 TELEPHONE: (610)278-6800 S &D FILE NO. 10-038448 JPMorgan Chase Bank,National Association COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Michael L. Adams and Kristin D. Adams DEFENDANTS NO:12-3976 CERTIFICATION OF ADDRESS I hereby certify that the correct address of the judgment creditor(Plaintiff)is: JPMorgan Chase Bank,National Association 3415 Vision Drive Columbus, OH 43219 and that the last known addresses of the judgment debtors(Defendants) are: Michael L. Adams 6251 Carlisle Pike Mechanicsburg, PA 17050 Kristin D. Adams 249 W. Promfret Street Apt. B Carlisle, PA 17013 SHAPIRO &DeNARDO, LLC BY: i���G/ fKtll �L�`" Leonard J. Mucci, III, Esquire Attorney for Plaintiff 10-038448 OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Clerk Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 David D. Buell Prothonotary TO: Michael L. Adams 6251 Carlisle Pike Mechanicsburg, PA 17050 JPMorgan Chase Bank,National Association COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Michael L. Adams and Kristin D. Adams DEFENDANTS NO: 12-3976 NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. David D. Buell Prothonotary [XX] Judgment by Default [ ] Judgment for Possession [ ] Judgment on Award of Arbitration [ ] Judgment on Verdict [ ] Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY LEONARD J. MUCCI, III, ESQUIRE AT(610)278-6800. OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Clerk Cumberland County Courthouse I Courthouse Square Carlisle,PA 17013 David D.Buell Prothonotary TO: Kristin D. Adams 249 W. Promfret Street Apt. B Carlisle,PA 17013 JI'Morgan Chase Bank,National Association COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION Vs. CUMBERLAND COUNTY Michael L. Adams and Kristin D.Adams DEFENDANTS NO: 12-3976 NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania,you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. David D. Buell Prothonotary [XX] Judgment by Default Judgment for Possession Judgment on Award of Arbitration Judgment on Verdict Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE,PLEASE CALL: ATTORNEY LEONARD J. MUCCI, III, ESQUIRE AT(610)278-6800. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION Caption: Confessed Judgment Other JPMorgan Chase Bank, National Association File No. ofJ PLAINTIFF Amount Due $173,082.32 Interest March 1,2013 to Septeir_ 4 2013 is $5,571.76 vs. Atty's Comm Costs Michael L. Adams and Kristin D. Adams DEFENDANT(S) TO THE PROTHONOTARY OF THE SAID COURT: The undersigned hereby certifies that the below does not arise out of a retail installment safe, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon the following described property of the defendant(s) See attached Legal Description PRAECIPE FOR ATTACHEMENT EXECUTION Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s)for the following property(if real estate, supply six copies of the description; supply four copies of lengthy personalty list) and all other property of the defendants) in the possession, custody or control of the said garnishee(s). (Indicate) Index this writ against the garnishee(s)as a lis pendens against real estate of the defendant(s) described in the attached exhibit. Date: Signature: Print Name: Leonard J. Mucci, 111, Esc Wre Address: 3600 Horizon Drive, Suite 150 King of Prussia, PA 19406 5) Attorney for: Plaintiff oc) Supreme Court ID #PA Bar#92357 yS. 7-< V-9 lq� 12V ALL that certain tract of land situate in West Pennsboro Township, Cumberland County, Pennsylvania,being Lot#4 off a Final Subdivision Land Development Plan for Back Street, prepared by Madden Engineering Services, Inc., dated 4/7/04 and recorded in Cumberland County Plan Book 89, Page 50,being more fully described as follows: BEGINNING at a point located along a private right of way known as Pine Lane at the corner of Lot#3; thence along Lot#3, North 81 degrees 40 minutes 6 seconds East, 133.33 feet to a point at lands now or formerly of Charles M. and Mary E. Blosser; thence along said lands of Blosser, South 08 degrees 44 minutes 41 seconds East, 13.36 feet to a point; thence still along said lands of Blosser, South 08 degrees 44 minutes 41 seconds East, 17.72 feet to a point located in a public right of way known as Back Street, thence along Back Street, South 57 degrees 52 minutes 52 seconds West, 145.96 feet to a point, located along the said Pine Lane; thence along said Pine Lane, North 8 degrees 19 minutes 54 seconds West, 18.29 feet to a point; thence still along said Pine Lane, North 8 degrees 19 minutes 54 seconds West , 71.65 feet to an iron pin to be set located at the corner of Lot#2, the point and place of BEGINNING. Parcel No. 46-18-1394-077 BEING the same premises which Dirk J. Madison, married man, by Deed dated May 12, 2005 and recorded in the Cumberland County Recorder of Deeds Office on May 25, 2005 in Deed Book 269, page 69, granted and conveyed unto Michael L. Adams and Kristen D. Adams, husband and wife. SHAPIRO &DeNARDO, LLC BY: LEONARD J. MUCCI, III, ESQUIRE ATTORNEY I.D. NO: PA Bar#92357 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-038448 JPMorgan. Chase Bank,National Association COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Michael L. Adams and Kristin D. Adams DEFENDANTS NO: 12-3976 AFFIDAVIT PURSUANT TO RULE 3129.1 JPMorgan Chase Bank, National Association, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 1 Pine Lane, Plainfield, PA 17081. 1 . Name and address of Owner(s) or Reputed Owner(s) Michael L. Adams 6251 Carlisle Pike Mechanicsburg, PA 17050 Kristin D. Adams 249 W. Promfret Street Apt. B Carlisle, PA 17013 2. Name and address of Defendants in the judgment: Michael L. Adams 6251 Carlisle Pike Mechanicsburg, PA 17050 Kristin D. Adams 249 W. Promfret Street Apt, B Carlisle, PA 17013 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: JPMorgan Chase Bank, National Association 3415 Vision Drive Columbus, OH 43219 Great Seneca Financial Corp P.O. Box 1651 Rockville, MD 20849 State Farm Insurance Co. P.O. Box 41 Concordville, PA 19331 4. Name and address of the last recorded holder of every mortgage of record: JPMorgan Chase Bank, National Association 3415 Vision Drive Columbus, OH 43219 PNC Bank N.A. 2730 Liberty Avenue Pittsburgh, PA 15222 5. Name and address of every other person who has any record lien on the property: PA Department of Revenue Bureau of Compliance P.O. Box 281230 Harrisburg, PA 17128-1230 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 1 Pine Lane Plainfield, PA 17081 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. SH A IRO &Dre DO,, BY: Leonard J.'M' dcci, 111, Esquire 10-038448 SHAPIRO &DeNARDO, LLC BY: LEONARD J. MUCCI, III, ESQUIRE ATTORNEY I.D. NO: PA Bar# 92357 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 'f�''`�' ` • S & D FILE NO. 10-038448 JPMorgan Chase Bank,National Association COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Michael L. Adams and Kristin D. Adams DEFENDANTS NO: 12-3976 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Michael L. Adams 6251 Carlisle Pike Mechanicsburg, PA 17050 Your house(real estate) at: 1 Pine Lane, Plainfield,PA 17081 46-18-1 394-077 is scheduled to be sold at Sheriffs Sale on September 4, 2013 at: Cumberland County Sheriffs Office I Courthouse Square Carlisle, PA 17013 at I O:OOAM to enforce the court judgment of$173,082.32 obtained by JPMorgan Chase Bank, National Association against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to JPMorgan Chase Bank, National Association the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call:(610)278-6800. ?. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling(610)278-6800. 6. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 9. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 10. You may be entitled to a share of the money,which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten(10) days after the date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 10-038448 ALL that certain tract of land situate in West Pennsboro Township, Cumberland County, Pennsylvania,being Lot#4 off a Final Subdivision Land Development Plan for Back Street, prepared by Madden Engineering Services, Inc., dated 4/7/04 and recorded in Cumberland County Plan Book 89, Page 50,being more fully described as follows: BEGINNING at a point located along a private right of way known as Pine Lane at the comer of Lot#3; thence along Lot#3, North 81 degrees 40 minutes 6 seconds East, 133.33 feet to a point at lands now or formerly of Charles M. and Mary E. Blosser; thence along said lands of Blosser, South 08 degrees 44 minutes 41 seconds East, 13.36 feet to a point; thence still along said lands of Blosser, South 08 degrees 44 minutes 41 seconds East, 17.72 feet to a point located in a public right of way known as Back Street; thence along Back Street, South 57 degrees 52 minutes 52 seconds West, 145.96 feet to a point, located along the said Pine Lane; thence along said Pine Lane, North 8 degrees 19 minutes 54 seconds West, 18.29 feet to a point; thence still along said Pine Lane, North 8 degrees 19 minutes 54 seconds West, 71.65 feet to an iron pin to be set located at the comer of Lot#2, the point and place of BEGINNING. Parcel No. 46-18-1394-077 BEING the same premises which Dirk J. Madison, married man,by Deed dated May 12, 2005 and recorded in the Cumberland County Recorder of Deeds Office on May 25, 2005 in Deed Book 269, page 69, granted and conveyed unto Michael L. Adams and Kristen D. Adams, husband and wife. SHAPIRO & DeNARDO, LLC BY: LEONARD J. MUCCI, III, ESQUIRE + . ATTORNEY I.D. NO: PA Bar#92357 3600 HORIZON DRIVE, SUITE 150 + ; KING OF PRUSSIA, PA 19406 '' c y ` :' (("` TELEPHONE: (610)278-6800 S & D FILE NO. 10-038448 JPMorgan Chase Bank, National Association COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Michael L. Adams and Kristin D. Adams DEFENDANTS NO: 12-3976 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Kristin D. Adams 249 W. Promfret Street Apt. B Carlisle, PA 17013 Your house (real estate) at: 1 Pine Lane, Plainfield,PA 17081 46-18-1394-077 is scheduled to be sold at Sheriffs Sale on September 4, 2013 at: Cumberland County Sheriffs Office i Courthouse Square Carlisle, PA 17013 at 10:00AM to enforce the court judgment of$173,082.32 obtained by JPMorgan Chase Bank, National Association against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to JPMorgan Chase Bank, National Association the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must:pay, you may call:(610)278-6800. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling(610)278-6800. 6. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. T The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 9. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 10. You may be entitled to a share of the money,which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house back,if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 10-038448 ALL that certain tract of land situate in West Pennsboro Township, Cumberland County, Pennsylvania,being Lot#4 off a Final Subdivision Land Development Plan for Back Street, prepared by Madden Engineering Services, Inc., dated 4/7/04 and recorded in Cumberland County Plan Book 89, Page 50,being more fully described as follows: BEGINNING at a point located along a private right of way known as Pine Lane at the comer of Lot#3; thence along Lot#3,North 81 degrees 40 minutes 6 seconds East, 133.33 feet to a point at lands now or formerly of Charles M. and Mary E. Blosser; thence along said lands of Blosser, South 08 degrees 44 minutes 41 seconds East, 13.36 feet to a point; thence still along said lands of Blosser, South 08 degrees 44 minutes 41 seconds East, 17.72 feet to a point located in a public right of way known as Back Street; thence along Back Street, South 57 degrees 52 minutes 52 seconds West, 145.96 feet to a point, located along the said Pine Lane; thence along said Pine Lane, North 8 degrees 19 minutes 54 seconds West, 18.29 feet to a point; thence still along said Pine Lane, North 8 degrees 19 minutes 54 seconds West, 71.65 feet to an iron pin to be set located at the comer of Lot#2, the point and place of BEGINNING. Parcel No. 46-18-1394-077 BEING the same premises which Dirk J. Madison, married man,by Deed dated May 12, 2005 and recorded in the Cumberland County Recorder of Deeds Office on May 25, 2005 in Deed Book 269, page 69, granted and conveyed unto Michael L. Adams and Kristen D. Adams, husband and wife. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO. 12-3976 Civil COUNTY OF CUMBERLAND) CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due JPMORGAN CHASE BANK, NATIONAL ASSOCIATION Plaintiff(s) From MICHAEL L. ADAMS AND KRISTIN D.ADAMS (I) 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 paving any debt to or for the account of the defendant(s)and from delivering any propert;, 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: $173,082.32 L.L.: $.50 Interest MARCH 1,2013 TO SEPTEMBER 4,2013 IS$5,571.76 Attv's Comm: Due Prothy: $2.25 Atty Paid: 5356.50 Other Costs: Plaintiff Paid: Date: 3/19/13 David D. Buell, Prothonotary (Seal) By: --- Deputy F:FQi)'EST1NCa PARTY: Name: LEONARD J. MUCCI, III,ESQUIRE Address: SHAPIRO& DENARDO, LLC 3600 HORIZON DRIVE,SUITE 150 KING OF PRUSSIA,PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 Supreme Court ID No. 92357 SHAPIRO &'DeNARDO, LLC T!lo BY: KASSIA FIALKOFF, ESQUIRE 3 AV(; �� � ATTORNEY I.D. NO: PA Bar # 310530 °� r O R �r l 11: 2 f KING OF RUSSIA, PA 19406 E 150 PSImsY( V � 1��d1 TELEPHONE: (610)278-6800 S & D FILE NO. 10-038448 JPMorgan Chase Bank, National Association COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Michael L. Adams and Kristin D. Adams DEFENDANTS NO: 12-3976 AMENDED AFFIDAVIT PURSUANT TO RULE 3129.1 JPMorgan Chase Bank, National Association, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 1 Pine Lane, Plainfield, PA 17081. 1. Name and address of Owner(s) or Reputed Owner(s) Michael L. Adams 6251 Carlisle Pike Mechanicsburg, PA 17050 Kristin D. Adams 249 W. Promfret Street Apt. B Carlisle, PA 17013 2. Name and.address of Defendants in the judgment: Michael L. Adams 6251 Carlisle Pike Mechanicsburg, PA 17050 Kristin D. Adams 249 W. Promfret Street Apt. B Carlisle, PA 17013 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: JPMorgan Chase Bank, National Association 3415 Vision Drive Columbus, OH 43219 Great Seneca Financial Corp P.O. Box 1651 Rockville, MD 20849 State Farm Insurance Co. P.O. Box 41 Concordville, PA 19331 4. Name and address of the last recorded holder of every mortgage of record: JPMorgan Chase Bank, National Association 3415 Vision Drive Columbus, OH 43219 PNC Bank N.A. 2730 Liberty Avenue Pittsburgh, PA 15222 American General Finance Inc. 6 S. Hanover Street Carlisle, PA 17013 5. Name and address of every other person who has any record lien on the property: PA Department of Revenue Bureau of Compliance P.O. Box 281230 Harrisburg, PA 17128-1230 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 1 Pine Lane Plainfield, PA 17081 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. SHAPIRO &DeNARDO, LLC BY: Kassia Fialkoff, Esquire 10-038448 , SHAPIRO & DeNARDO LLC BY: CHRISTOPHER A. DeNARDO ESQUIREN ATTORNEY I.D. NO. 78447 AUG CAITLIN M. DONNELLY, ESQUIRE, CUB- MERL r"`1f7 ATTORNEY I.D. NO. 311403 PEN14S COUST`9' KASSIA FIALKOFF, ESQUIRE, ATTORNEY I.D. NO. 310530 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 10-038448 JPMorgan Chase Bank, National Association—:' COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Michael L. Adams and Kristin D. Adams DEFENDANTS NO:12-3976 CERTIFICATION OF NOTICE TO LIENHOLDERS PURSUANT TO PA R.C.P 3129.2 (C) (2) 1, Meghan Williams, Legal Assistant for Shapiro & DeNardo, LLC, attorneys for the Plaintiff, JPMorgan Chase Bank, National Association, hereby certify that Notice of Sale was served on all persons appearing on Exhibit "A" attached hereto, by United States mail, first class, postage prepaid, with Certificates of Mailing on July 19, 2013, the originals of which are attached and that each of said persons appears on Plaintiffs Affidavit pursuant to Pa. R.C.P. 3129.1. The undersigned understands that the statements, herein are subject to the penalties provided by 18 P.S. Section 4904. SHAPIRO &D NARDO, LLC q-13 Date: U By. 1 Megh Williams Legal Assistant 10-038448 U.S.POSTAGE>>PITNEY BOWES Name and Address of Sender Check type of mail or service: Affix Stamp Here T 0 Shapiro&DeNardo,LLC (If issued as a ��o© 3600 Horizon Drive ❑ Certified ❑ Recorded Delivery(International) certificate of mailing, ZIP 19406 ooa ��� Suite 150 [:1 COD ❑ Registered or for additional I 02 1 YY ' King of Prussia,PA 19406 ❑ Delivery Confirmation ❑ Return Receipt for Merchandise copies of this bill) 0001363586 JUL 19 2013 ❑ Express Mail ❑ Signature Confirmation Postmark and ❑ Insured Date of Receipt Article Number Addressee(Name,Street City State,&ZIP Code) Postage Fee Handling Actual Value Insured Due Sender DC SC SH RD RR Charge if Registered Value if COD Fee Fee Fee Fee Fee 1• Cumberland County Domestic Relations 13 North Hanover Street 10-038448 MW Carlisle,PA 17013 Great Seneca Financial Corp 2 P.O.Box 1651 Rockville,MD 20849 State Farm Insurance Co. P.O.Box 41 Concordville,PA 19331 3. PNC Bank N.A. 2730 Liberty Avenue Pittsburgh,PA 15222 Tenant or Occupant 4. 1 Pine Lane Plainfield,PA 17081 \, PA Department of Revenue / Bureau of Compliance 5' P.O.Box 281230 i Harrisburg,PA 17128-1230 bo S~ Q O 6. t w U 7. Q l "0 8. Q Total Number of Pieces Total Number of Pieces Postmaster, r a e o rec 1 g employe Listed by Sender 6 Received at Post Office See Privacy Act Statement on Reverse PS Form 3877,February 2002(Page 1 of 2) k-dom ete by ypewriter,Ink or Ball Point Pen U.S.POSTAGE>>PITNEr BOWES Name and Address of Sender Check type of mail or service: Affix Stamp Here Shapiro&DeNardo,LLC (If issued as a 3600 Horizon Drive ❑ Certified 1:1 Recorded Delivery(International) certificate of mailing, j ZIP 19406 $ 001.200 . Suite 150 ❑ COD ❑ Registered or for additional I 02 M King of Prussia,PA 19406 ❑ Delivery Confirmation ❑ Return Receipt for Merchandise copies of this bill) 0001363586 JUL. 19. 2013. ❑ Express Mail ❑ Signature Confirmation Postmark and ❑ Insured Date of Receipt Article Number Addressee(Name,Street,City State,&ZIP Code) Postage Fee Handling Actual Value Insured Due Sender DC SC SH RD RR Charo if Registered Value if COD Fee Fee Fee Fee Fee 1• American General Finance Inc. 6 S.Hanover Street 10-038448 MW arlisle,PA 17013 2. 3. 4. Z�2L 5. bA 3~ d 61 lar, ., �. O A s. icy 3 0 e� M � U O � w U 7. U a. Q Total Number of Pieces Total Number of Pieces Postmast r, r(Na e f ceivin employee) Listed by Sender 1 Received at Post Office See Privacy Act Statement on Reverse PS Form 3877,February 2002(Page 1 of 1) plete y Typew 'er,Ink or Ball Point Pen SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson $ ' Sheriff arxt� atutnG��� Jody S Smith � , 4.4Q 4 f;t; 1 Chief Deputy /R Richard W Stewart Solicitor OFFICE OF THE SHERIFF i J '\�trt '! JP Morgan Chase Bank, NA vs. Case Number Michael L.Adams (et al.) 2012-3976 SHERIFF'S RETURN OF SERVICE 06/27/2013 04:15 PM -Deputy Jason Kinsler, 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 1 Pine Lane, Plainfield, PA 17081, Cumberland County. 07/01/2013 05:52 PM - Deputy Valerie Weary, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be the Defendant, to wit: Michael L.Adams at 146 16th Street,Apartment B, New Cumberland Borough, New Cumberland, PA 17070, Cumberland County. 07/11/2013 06:08 PM - Deputy Amanda Cobaugh, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be the Defendant, to wit: Kristin D.Adams at 249 W. Promfret Street, Apartment B, Carlisle Borough, Carlisle, PA 17013, Cumberland County. 09/04/2013 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 Courthouse, 1 Courthouse Square, Carlisle, PA 17013, on September 04, 2013 at 10:00 a.m. He sold the same for the sum of$1.00 to Attorney Christopher DeNardo on behalf of JPMorgan Chase Bank, National Association, being the buyer in this execution, paid to the Sheriff the sum of$ SHERIFF COST: $981.27 SO ANSWERS, September 18, 2013 RONNY R ANDERSON, SHERIFF Q3a / /oft L79117-71, (c)CountySurte Sheriff,Telecsott,Inc.