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Home My WebLink About12-5261 _ _ _ ~ UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF BY: MARK J. UDREN, ESQUIRE - ID #04302 ~ STUART WINNEG, ESQUIRE - ID#45362 !i LORRAINE GAZZARA DOYLE, ESQUIRE - ID#34576 ALAN M. MINATO, ESQUIRE - ID#75860 SHERRI J. BRAUNSTEIN, ESQUIRE - ID#90675 SALVATORE CAROLLO, ESQUIRE - ID#311050 - r~ ; ~ n t PAIGE M. BELLING, ESQUIRE - ID#309091 ~ t'~;=: HARRY B. REESE, ESQUIRE - ID#310501,- AMY GLASS, ESQUIRE - ID#308367 ~ w ' KASSIA FIALKOFF, ESQUIRE - ID~#310530 ~ r=~ ELIZABETH L. WAS5ALL, ESQUIRE - ID#77788 ~ ` ~ c-; AGNES MOMBRUN, ESQUIRE - ID#309356 ~ ° -i ~ ELANA B. FLEHINGER, ESQUIRE - ID#209197 ;a WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 0$003-3620 856-669-5400 pleadings@udren.com Bank of America, N.A. COURT OF COMMON C/O Bank of America, N.A., as successor by merger to BAC PLEAS Home Loans Servicing, LP C1:VIL DIVISION 16001 North Dallas Parkway CUMBERLAND County Addison, TX 75006 Plaintiff la. S ~ ~ ~ Ul v. NO. `~e DAMIAN M. FANELLA 960 LIMEKILN ROAD NEW CUMBERLAND, PA 17070 HEATHER R. HARING 960 LIMEKILN ROAD NEW CUMBERLAND, PA 17070 Defendant(s) COMPLAINT 1N MORTGAGE FORECLOSURE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty {20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other right~5 important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT s HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. 3~~~~~ 7 35 THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH iNFORMATiON ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. i LAWYERS REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (800) 990-9108 AVISO Le han demandado a usted en la cone. Si usted quiere defenderse de estas demandas expuestas en Ias paginas siguientes, usted tiene veinte (2Q) dias de plazo al partir de la fecha de la demanda y la notification. Hate falta ascentar una compazencia escrita o en persona o con un abogado y entregaz a Ia torte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se dafiende, la torte tomaza medidas y puede continuar la demanda en contra soya sin previo aviso o notification. Ademas, la torte puede decidir a favor del demandante y requiere que usted cumpla con todas Ias provisiones de esta demands. Usted puede perder dinero o sus propiedades u otros derechos importantes pars usted. LLEVE ESTA DEMANDA A UN ABOGADO IlVIMEDIATAMENTE, SI NO TIENE ABOGADO O SI NO TIENE EL DINERO 5UFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17023 (800) 990-9108 _ _ _ _ _ T - NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify II us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we wilt obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease coIIection of your debt, or any disputed portian of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. UDREN LAW OFFICES, P.C. /s/Mark J. Udren, Esquire Woodcrest Corporate Center 111 Woodcrest Road, Suite 200 Cherry Hill, NJ 08003-3520 (856) 669-5400 _ _ _ i 1. Plaintiff is Bank of America, N.A.. Plaintiff is the legal holder of the Mortgage that is the subject of this Action. Plaintiff is either the current mortgagee of record, is the legal holder of the Mortgage by virtue of being successor in interest to the current mortgagee of record, or is the legal holder of the Mortgage by virtue of Assignment of Mortgage. If Plaintiff is the legal holder of the Mortgage by virtue of Assignment of Mortgage, it is by the following Assignments of Mortgage, all of which have either been recorded or Plaintiff is in the process of formalizing the actual Assignment of Mortgage in Plaintiff s favor: Assignor: Mortgage Electronic Registration Systems, Inc. Assignee: Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP Date of Assignment: 10/14/2011 Recorded Date: 10/24/?All Boolc/Instrument 2146 Page: 1841 2. Upon information and belief Defendant(s) and/or their predecessor: Damian M. FanelIa anal Heather R. Haring (hereinafter "Defendants"), are the owners of property located at 960 Limekiln Road, (Fairview Township), New Cumberland, PA 17070, by virtue of Deed dated 01/25/2007 and recorded 02!05/2007 in Official Records Book 1873 at Page 2191 of the Public Records of Cumberland County, Pennsylvania (hereinafter the "Property"}. 3. On 01/25/2007, Defendant(s) and/or their predecessor: DAMIAN M. FANELLA AND HEATHER R. HARING promised to pay to the order of American Home Mortgage ,the principal sum of $134,175.00 payable with interest thereon provided in the Note. 4. By Mortgage dated OU25/2007, Defendant{s) and/or their predecessor: _ _ _ _ DAMIAN M. FANELLA AND HEATHER R. HARING to secure the Note, mortgaged to Mortgage Electronic Registration. Systems, Inc., j as nominee for American Home Mortgage , the Property which is the subject of ~i this action. The Mortgage was recorded on 02/05!2007 in Official Records Book 1873 at Page 2?A2. Said Mortgage is incorporated herein by referenced in accordance with Pa.R.C.P 1019(8). A legal .description of the mortgage premises is attached hereto and made a part hereof. 5. Said mortgage is in default in that the payment due 07/01/2011, and all subsequent payments have not been made, and by its terms, upon breach and failure to cure said breach after notice, all sums secured by said Mortgage, together with the other charges authorized by said Mortgage and itemized below, shall be immediately due. 6. After demand, the Defendant(s) continues to fail or refused to comply with the terms of the Mortgage as follows: (a) By failing or refusing to pay the installments of principal and interest when due in the amounts indicated below; (b) By failing or refusing to pay other charges, if any, indicated below. The following amounts are due on the said Mortgage or modification agreement as of the date stated below Unpaid Principal Balance $126,912.fl2 Accumulated Znterest {due from 06/01/2011 to 06/14/2012) $8,842,29 Accumulated Late Charges $381.60 Escrow Deficit/(Reserve) $1,383.46 Title Report $325.00 Attorney Fees- Estimated $1,300.40 Property Inspections $105.00 Grand Total $138,949.37 The above figures are calculated as of 06/14!2012: The interest rate is subject to adjustment if more fully described as such in the note and T mortgage. The interest rate on the subject note is at 6.50000 The per diem. interest accruing on this debt is $22.5390 and that sum should be added each day after the above date. The late charge is subject to adjustment if more fully described as such in the note and ~ mortgage. The late charge rate on the subject note should be added in accordance to the terms of ~ the note and mortgage charged monthly at $42.40. 7. Breach letters have been sent to Defendant(s) in accordance with the requirements of the subject mortgage and/or The Pennsylvania Act 6 of 1974 of the Commonwealth of Pennsylvania and, if applicable, Act 91 of 1983. Copies of the breach Letters are attached hereto as Exhibit "A" WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant{s) herein in the sum of $13$,949.37 plus ongoing interest, costs and attorneys fees and for sale of the Mortgaged premises. UDRE L W OFFICES, P.C. ~ BY: ~ jJ? t.: rP GE ~'r ' ~ ESQUIRE NN. ~,u ...i1U~1 _ _ - _ ~ EXHIBfi' "A" - MORTGAGE LEt:~~L ~bJfQ AGL. THAT CEitTAIN !ot or pen:M ai land eibuale in FAIRVfEW TOU1hV3HlP, York County, P~nneytvenie, bounded and dasexlbed as lo~wec 43E{a~iNNlNti at a point Ut or raax the dedios~dd tl9ht of way line d t.ImakNn Rogd (TOSS) a! the point of oammon joinder wttlt Lat Nos. 14 and 13 dihe herelnaller reAatred to 9ubdhrbblt fin; the ebrg t.at o,13,Soulh 18 dayrses 4S minubs Sf) saconda wart. a dletenoe of St8.01 ~ to a u~r~laMt~IMrda now ~ (ortneriy o€ tl~ge~ mit0 Wes~a ~u~e~e~af a~53.39 feet to a~[.of lib, 1S; Ow~ice, g~ +BSib~i~mth 13 de9neae 4ti mirNaes 4 seconds YNiast. a distanat of 3AQ.62 teat b a point in os truer the dadkaMd rt~ht of way Ikfe of utnakiin Road (T-3513): thatca in snd along Itttts same by a copra to iftG tiBfd l+avb~g a r~adiue of 2689.94 feet end a len~h aF t 1 Q.4d feet to the point and place of BEG ING. BEING LOT N0.14 on B Ftnet Suladtufeteft+ Pfen far Static Aflsnoc, Phsse if, Jwinolanko ~ AeeodaMo eafd Phan being mcoRled in the plflce ofiife Reoader of heeds ni end fir Ynr1c County in P9an f3pok tYN, Page t~Q(i. fiAVII+fG THEREON en'aed a dwiRling commonly known as fi60 Limekiln Road. (FIAFItNOFAt~ELLA.PfDMARNftifANLL1N t~ i , . h 11',' r I BankofAmerisa PRE50RT Flret-Class Mail lioswF.aans U.S. Postage end PO Box 9048 Temecula, CA 92589-8048 Fe as Psfd WSO ?196 90L16 995 91c~3 8Z5~F Sertd Peyrt+enfs to: P.O. Box 15222 WIImInQton. D£ 18888-5222 Sena! Correspondence to: PO Box 51 T0, MS SV314B 20120412-7 Simi Veltey, CA 93065 ~~I,ul.~•,,~luyun„yl'In•i•'nl^'ll•11111~~1~1'•I'I~i•II~ Heather R Haring 960 Limekiln Road New Cumberland, PA 17070-2320 EXI-IIBIT A C3_1Mb 8l.APA1 74091 06124 S _ _ - _ _ l - BenkafAmerica Send Payments to: Fil0a1B t.0afli P.O. Box 7522? P.O. Box A42073 wAmington, DE i9BBfi-5222 Simi Valley, CA 93094-92BB ~I April 10, 2012 i Certified Mail: 7196 9006 9295 9123 8154 ~ Heather R Haring Retum Reoelot Rea teG*ed 960 Limekiln (toad Regular MaiE New Cumberland, PA 17070-2320 Account No.: 148894927 Property Address: 960 Limekiln Road New Cumberland, PA T7070-2320 Current Servicsr; Bank of America, N.A. NOTICE OF INTENT TO FORECLOSE MORTGAQrE Este es un aviso importallte respeao a su derecho de ocupar su case. Favor de traducirlo de inmediato. (This Is an important notice concerning your right to live in your home. Have it translated at once.) Our records indicate that you transferred all or a part of your interest in the above referenced property and/or allowed your mo age loan to be assumed; however, you were not released from contractual liability for the loan. Therefore, you are still contra ualiy responsible for repaymeht of this debt We regret to advise you that this Ican is in default, and we are prepared to initiate forecl sure proceedings. The following letter was sent to the current owner of the property: The MORTGAGE held by Fannie Mae (hereinafter we, us or ours) on your property located at 960 Limekiln Road New Cumbe land, PA '!7070-2320 IS iN SERIOUS DEFAULT because you have not made the monthly payments for the months of.• Monthly Charges: 07/01/2011 $5,322.65 12/01!2011 $5,387.30 Late charges and other charges have also accrued to this date in the amount of $381.60 Late t;:haraes: 07/01/2011 $381.60 Other Charges: Uncollected Late Charges: $0.00 Uncollected Costs: $150.00 Partial Payment Batance: ($0,00) TOTAL DUE: $11,241.55 The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this le r, is $11,241.55. You may cure this default within T}/?RTY (30) DAYS of the date of this letter, by paying to us the above amount of $19,247.&5, plus any additional monthly payments and late charge which may fa!! due during this period. Such payment must be made either by sh, cashier's check, certified check or money order, and made at Bank of America, N.A. at P.O. Box 15222, 1Nilrnington DE 19886-5222. If you do not cure the default within THIRTY (30) DAYS, we Intend to exercise our right to ecceferate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due dmmedtately and you may dose the chap to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) D YS, we also Intend to instruct our attorneys to stag a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed your mortgaged property wl!! be sold by the Sheriff to pay off the mortgage debt. If we refer your else to our attorneys, but you cu the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurre , up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if the are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also Include our reasonable costs. !f you cu the default wfth/n the Thirty {30) day period, you wUi not be required to pay attorneys fees. Ttts ctxnmunitxtion is from Bank of Ametip, N.A., the servlcer at your home loan. Please write you ecaaunl number on a1 rlreUcs and conespondenoe. wa may ctrarNa you a fee {oE up to S~IU.~)fa any payment reamed ar rejaged 69' your Rnerci~ inatmAion, subjed b appecable law. C3_1A45 BLOPAi 1.1091 a note Payment irsenlsttom' Atxoe,rtt Number. 748894827-0 • Mace yaV crtedc payet~ to Benkor Heather R Haring Balance Due far dsarges fisted above: $t t ,241.66 as of April 10, 2012. • U~ smd 980 Llrtlekiln Road Please update s-maia Inlorrrntbn on ail rsvsres side of sda coupon. • Please inGUde coupon weh your New Cumberland, PA 17070-2320 Adderona~ peymeni BL~PAi PAdNpe1 Far ap fus mddh cayman! parrs, IrNereal Ix c~alleledon a monthry beefs. Addrlonel Acmrdirply. elEereW for an fur mnnhs, ~r~lill.ll,Illll,~lll`I I~n~Ilrl~llll~l"lll~il~"~{,1111~1,11 ri1 Flaw IrrJtrdirlg February, is oalcu~tad ee Bank of America, N.A. 30f360 at annual irttereat, kreeperiivr. of the attuat ram~er a days kn the morMh. PO BOX 15222 d~ For pleat months, inters! is celadated WiimingtOn, DE 19888-&222 dairy m the basis of a ass des' year. 1-800-669-6654 14889492700000'!124155001124155 _ t VNe may also sue you personally far the unpaid principal balance and all other sums due under the mortgage. If you have notjcured the default within the thirty (30) day period and foreclosure proceedings have begun, you still have the right fo cure the default and prevent the sa?e at any time up to one hour before the Sheriffs foreclosure sale. You may do so by paying the total amount pf the unpaid monthly payments plus any late or other changes than due, as welt as the reasonable attorney's fees and oasts con acted with the foreclosure sale {and perhorm any other requfnsmerrts under the martgageJ. tt is estimated that the earliest date that ueh a SherKPs sale could be held would be approximately six (6) montMrs from the date of this Tiotiee. A notice of the date of the herfff sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you watt. Yo may find out at any time exactly what the required payment will be by calling us at the following number_ 1-800.669854. This pa ment must be in cash, cashier's check. certffied check or money order and made payable to us at the address stated above. , You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain init. If you co tinue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional rights to help protect your Interest in the property. YOU NAVE THE RIGHT TO SELL THE PROPER TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, QR TO BORROW MONEY FROM ANOTHER LENDING tNSTIT TION TO PAY OFF THIS DEBT. {YOU MAY HAVE 7HE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVtDEO THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE U DER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. !f you cure the default, the mortgage will be restored to the same posftlon as if no default had occurred. However, you a not entitled to this right to cure your default more than three times in any calendar year. Bank of America, N.A., the servlcer of your home loan, is required by law to Inform you that this communication Is from a debt collector. This commurdcafiar is from Bsnk of Arr~rica, N.A., ifie servicer of your horrre loan. E-mail use: Providig your email address bebw w71 allow us to aentl you lnfonnatlon on your aaotmt How we post your payments: Ail ecceptetl Accountt~kanber; 148894927 peymenta of pdndpel end interest wMi be applied to Heather R Hering E-mail address: the longest or~tanding inata~nant du unless otherwise eupreaey prahlbked a' funRad law. !f you submit ~ amount in addition tc your oheduled monthly amount. we wNl appy your p ants as foibwa: (i) to ouratandig marMhly p stria of prkrdPal and hrtaroat, (N) escrow detlde , (iN) Isla drargea and other amaxHs you owe in action with your loan and (iv) to reduce the ding prKrdpd balance of your loan. Please ep ty tt you warn an addidorral enmwnt applied to flnura aymems, rather than prindpal reduction. Postdated Gredta: Postdated ch unll be processed on the data received unlae a loan cormsebr agrees to honor the date non the rhnrk ac ~ mnrleirm Ma ranavmam nH~n - _ _ T Options are Available to Heip You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information avatiabie ~I so we can discuss which option{s) could work for you. ~ Options to consider if your goal is to stay in your home . ;.~...<:-::iii...:....:..~..:.~.~......<..:...-....l:.:i.......W...,::..!.:.: .,i..,..„... i. :,,.::.;;.:..:.:>::>::~.iai:<.iii:;;>.,i .:.::::.::::..:::::.,.::•.i::::•ii::.::....:........ :~,i ,.t , f.. •i<~:~ ....:n.:.::,,.n.. i~.i:i::::: .,i.: n~:Y`:i:9 F.: i.:.: is :h : : n.......... - L s... ..l•. :,:v,:. it :.w., w':....:..:y.:.:i:.:.::...:..... . .....,;.i::o:%`...... S_...ss:..:.x.. v.a•:.%e... ;.:..5:.5:5 <...::`..}....:R.:.:::.t.~:.. . in.. ~ ? ~ cif , Home A federal government program that allows you to repay the loan on newly agreed upon terms, whi h Affordable may include lowering the interest rate, placing past due amounts at the end of the loan, and/or Modification extending the term of the loan. You may be eligible for this program if you meet the following Program requirements: {RAMP) • The home is your primary residence and you currently live in it. • The amount you owe on the first mortgage is equal to or less than $729,750 for asingle-family home, $934,200 fora 2 unit property, $1,129,250 fora 3 unit property or $1,403,400 fora 4 un property • You have experienced a hardship that has impacted your income. For example, a significant increase in your mortgage payment OR reduction in your income OR other hardship. • Your mortgage was obtained before Jan. 1, 2009. • Your payment on your first mortgage (including principal, interest, taxes, insurance and homeowner's association dues, If applicable) is mare than 31 % of your current gross income. o calculate this, divide your first mortgage payment by your gross income (income before taxes). Loan If you can bring your loan payments up to date, we wilt accept the funds needed to bring the loan u Reinstatement to date until the day of your foreclosure sale. Repayment A temporary agreement which allows for the repayment of the unpaid, past due amount along with Plan regular mortgage payments. This may include principal, interest, fees, and/or costs assessed to yo r loan. Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments for Forbearance period of time, to allow you to re-establish your ability to make the required payments. AgreemerTt Loan Repay the loan on newly agreed upon terms, which may include lowering the interest rate, placing Modification amounts past due at the end of the loan, and/or extending the term of the loan. (non-RAMP} Partial Claim If you have a Federal Housing Administration (FHA) loan and your payments are past due but you (FHA loans are now able to make your regular monthly mortgage payment, this program is desigr?ed to bring y ur Only) loan up io date by creating a second mortgagellien on your property for the amount that is past due. Options to consider if you cannot or do not wish to stay in your home K:.:i:::~n :::.:ti.i,.iT,:;i: .:.r.: :SS::;:i:::55:z:5::i::y;;i:: : :+.%a:<.i .::5:5::5: .:.r {i.:.i'::'::... i:[.:: /..:i:.:; ...u::: i•. til'.f::.~ -':tit%i;i:c:> r::.::.:.n :..ail::: :5:3 ~ is . ~ "•y'2• _ - ~::1.. . ii.:~ . ~ss - .5 . I~. h - 'R. - 5:55: . . 'v.w:.:..!.:: ,.,.....,..:::.i:::: x.:.555:....: Home Designed to help borrowers who areneligib~e•for•the~•.Home .Affordable Modification.Program (RAMP) n~+` Affordable but were unsuccessful in securing a permanent modification through the program. HAFA provides t Foreclosure option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A short sale is a transaCtio Alternatives in which you sell your property for less than the total amount owed on the loan (subject to agraeme t Program by your servicer/lender/investor), resulting in the release of our lien on your home and avoidance of (HAFA) foreGosure. A deed in lieu of foreclosure is a transaction in which you agree to voluntarily transfer ownership of your property to us in order to avoid foreclosure. Short Sale/ Offered to borrowers who are not eligible for RAMP or other home retention alternatives. With a sh rt Preforeclosure sale, you sell your property for less than the total amount owed on the loan (subject to agreement b Sale your servicer/lender/investor), resulting in the release of our lien on your home and avoidance of (non-HAFA) foreclosure. Deed in lieu of Offered to borrowers not eligible for RAMP or other home retention alternatives, and who were not Foreclosure able to sell the property through a short sale. With a deed in lieu of foreclosure, you agree to (non-HAFA) voluntarily transfer ownership of your property to us in order to avoid foreclosure. We are here to het p you. Please call us today. _ _ _ _ ~ Hay Opciones Disponibies Para Ayudarie s Evitar la Ejecucion Hipoteca~ria Liame al numero que aparece en la notification adjunta para obtener rnas informacit3n Cuando flame, tenga is informacidn de sus ingresos y gastos disponlbles para que podamos II discutlr cast opclbn{esj pueden funcionar para usted. ~ Opcibnes a considerar si su objetivo es permanecer en su casa ::.4::. ti.: ?C{: •.'r'•: 6: w. ~y ~a\~~:: i'ii v:::. ::::::cn}v . ~.4`:gv:Y ~:"::~i- . . {..v. ~ v::.: :.r . . 03:>, ~.t.: :c.5:'. .):ti . T.m..:. .:..::::.~'T,}iiTii::i::nL:i:'.~'.~Y~.it:i:::t.::i.::::i: .....~~:?:f<u Home Affor dable Un programs del gobierno federal que le permits pager el prbstamo bajo los nuevos t~rminos Modification acordados, que pueden incluir la reduccibn de la tees de interrss, agregando la cantidad adeuda a Program (RAMP) al final del prbstamo, y / o extender el plazo del prbstamo. Usted puede ser eiegible para sets programs si rumple con los siguientes requisites: • l.a casa es su residencies principal y actuaimente wive en ells. La cantidad adeudada en la primers hipoteca debe ser igual o mends que $729,750 dblares para una vivierxla unifamiiiar, $934,200 dblares para una propiedad de 2 unidades, $1,129, 50 dblares para una propiedad de 3 unidades o $1,403,400 para una propiedad de 4 unidades • Ha experimentado una dificultad que ha afectado sus ingresos. Por ejemplo, un aumento significative en su page hipotecario O reduccibn de sus ingresos U otras dificultades. • Obtuvo su hipoteca antes del 01 de enero 2009. • Su page de la primers hipoteca (incluyendo principal, interLS, impuestos, seguro y cuotas d asociaclbn de propietarios, si se splits) debe ser mks del 31 % de sus ingresos brutes actua es. Pare calcular esto, divides su page hipotecario per sus ingresos brutes (ingresos antes de impuestos). Restablecimiento Si usted puede freer sus pages del prbstamo hipotecario al dfa, se le aceptar~n los fondos del Pr~stamo necesarios para que ei pr@stamo sets al dfa haste is fecha de la vents judicial. Plan de Pago Un acuerdo temporal que permits el page de la cantidad adeudada, cantidad del page atrasado junto con ids pages regulates de la hipoteca. Este puede incluir principal, inter>bs, honorarios yfo testes eplicados a su prbstamo. Acuerdo Un acuerdo per el cual nos compromelemos a no proceder con is ejecucibn hipotecaria y1o Temporal dB coleccibn de pages per un periodo de tiempo, para permitirle que res#ablezca su habilidad de Tolerancia pacer los pages requeridos. Modlflcacidn de Pager el prbstamo bajo less nuevos t8rminos acordados, que puede incluir is reduccibn de is tae Pr~§stamo de interbs, agregando la cantidad adeudada al final del prbstamo, y/o extender el piazo del {no per medio prbstamo. de RAMP) Reclamo Partial Si usted liens un prbstamo de la Adminisiracibn Federal de Vivienda {FHA) y sus pages est~n {solamente vencidos, pero shots puede pacer sus pages regulates mensuales de la hipoteca, sets program prestamos de la esta disef5ado para que su prbstamo este al dia mediante la aeacibn de una segunda hipoteca / FHA) gravamen sobre su propiedad per la cantidad adeudada. Opciones a considerar si no puede o no desea quedarse en su casa ; , Wome Dise~iado para ayudar a los prestatarios que son elegibies para el Programs de Home Affordable Affordable Modification {RAMP), pero no tuvieron bxito en obtener una mod~cacibn permanents a travbs del Foreclosure programs. HAFA ofrece la pasibiiidad de una yenta coma y, si no tiene 8xito, una entrega de Alternatives escritura para evitar juicio hipotecario. Una yenta coma es una transaccibn en fa que usted vends u Program propiedad per mends de is cantidad adeudada en el prbstamo (sujeto a previo acuerdo de su (HAFA) administrsdor / prestamiaia / inversionista), resultando en la liberacibn de nuestro derecho de rstencibn sobre su propiedad y evitar la ejecucibn hipotecaria. Una entrega de escritura para evils juicio hipotecaria es una itansaccibn en la que usted est~ de acuerdo de transferir voluntariamente less escrituras de su propiedad a nosotros con el fin de evitar la ejecucibn hipotecaria. Vents Corte! Se ofrece a los prestalarios que no son elegibies para RAMP u otras altematives de rstencibn de Vesta antes de hogar. Con una yenta coma, usted vends su propiedad per mends de is cantidad total adeudada e Ejecuclon et prbstamo (suje#o a un acuerdo per su administrador ! prestamista / inversionista), resuitando en I Hipotecaria {no liberacibn de nuestro derecho de rstencibn sobre su propiedad y evitando la ejecucibn hipotecaria. per medio de HAFA) Entrega de Se ofrece a los prestatarios que no son elegibies para RAMP u ottas alternatives de rstencibn de Escritura Para hogar, y que no pudieron vender la propiedad a travbs de una vents cotta. Con una entrega de Evitar Juicio escritura para evitar juicio hipotecario, usted est~ de acuerdo a transferir voluntariamente ias Wipotecario escrituras de su propiedad a nosotros para eviler fa ejecucibn hipotecaria. {no per medio de HAFA) Estamos aqua para ayudarle. Por favor ll~lmenos hey. _ _ _ i BaMcofAmarica PRESORT NosALoans First-Glees Mail PO Box 8048 U.S. Postage end Ternecule, CA 92589-9D48 Fe®s Pald wso 7196 9006 9295 9123 8147 Send Payments to: P.O. Box 15222 i Wilmington, DE 1 9888-522 2 Send Correspondence to: PO Box 5170, MS SV3148 Simi Velley, CA 93065 20".2ai12-7 II•III'lI•Illl~rl•I•Gnfn•li•IIII,I.I,l~ll,l,l,ulllll,lli•ill Damian M Fanella 960 Limekiln Road New Cumberland, PA '17070-2320 6~= C3_t4458L~PA1 t409t0~4412 t _ _ _ _ _ - _ _ _ I BalrikofAmerica Send Payments fo: IIOIfle P.O. Box 15222 P. O. 13tvr 942073 WBmfngton, DE i 9886-5222 Simi Vapey, CA 93094-1288 April 10, 2012 Certified Mail: I Damian M Faneifa 7196 9006 9295 9123 8147 960 Limekiln Road Return Receipt Reauesttad ~ New Cumberland, PA 17070-2320 Regular Mafl Account iNo.: 1 4 889492 7 Property Address: 960 Limekiln Road New Cumberland, PA 17070-2320 Current Servicer. Bank of America, N.A. NOTICE OF INTENT TO FORECLOSE MORTGAGE Este es un aviso impartante respecto a su derecho de ocupar su case. Favor de treducirlo de inmediato. {This is an important notice concerning your right to live in your home. Have it translated at once.) Our records indicate that you transferced alt or a part of your interest ih the above referenced property andlor allowed your mort age loan to be assumed; however, you were not neieased from contractual tiabtllty for the Loan. Therefore, you are still contra uaily responsible for repayment of this debt We regret to advise you that this loan is in default, and we are prepared to initiate forecl sure prof~edings. The following fetter was sent to the current owner of the property: The MORTGRC3E held by Fannie Mae (hereinafter we, us or ours} on your property located at 960 Limekiln Road New Gumbe and, PA 17070-2320 IS IN SERIOUS DEFAULT because you have not made the monthly payments for the months of: Monthly Chases: 07/01!2011 $5,322.65 i 2/41/2011 $5,387.30 Late charges and other charges have also accrued to this date in the amount of $381.60 Late Charges: 07/01/2011 $381.60 Qther Charges: Uncollected Late Charges: $0.00 Uncollected Costs: $150.00 Partial Payment Balance: [$0.001 TOTAL DUE: $11,249.55 The total amount new required to cure this default, or in other words, get caught up in your payments, as of the date of this le r, is $11,241.55. You may curs this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $93,249.55, plus any add/tional monttrly payments and fate charge which may tali due during thfs period. Such payment must be made either by sh, cashier's check, certified check or money order, and made at Bank of America, N.A. at P.O. Box 15222, Wilmington DE 1 98 8 6-522 2. If you do not cure the default within THIRTY {30) DAYS, we fntend to exerc/se our right to accelerate the mortgage payments. This means that whatever is owing on the onglnal amount borrowed will be considered due immediately and you may lose the chap a to pay off the original mortgage in monthly instaElments. If fuif payment of the amount of default is not made within THIRTY (SO)D YS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. /f the mortgage /s torectosed your mortgaged property will be sold by the Sheriff to pay olF the mortgage debt. If we refer your case to our attorneys, but you cu the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurre , up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even H the are over $50.00. Any attorney's tees will be added to whatever you owe us, which may also include our reasonable costs. !f you cu the default within the thirty (30) day period, you will not be required to pay attorney's fees. This communication is from Bank of America, NA., the servicer of your home loan. Please wnle your eccouri number an aN Wte~Jts entl mrresl»nderce. We m ay t7terge you a tea (W up to 540.00) for any payment retuned nr rajatsod by your fnardal atalihton, sut>3ec! b eppii[,~able {aw. ~_~445 BLt:TPAi 1~08t 0 4/!011 Payment tr.crvas+ons` Account Number: 148894927-0 • Make your che,a, payable m amrtc or Damlah M Faneila Balance Due far charges listed above: $11,241.55 as of April 10 2012. America, N.A. 9B0 Limekiln Road Please update small inlomelbn on the rsvene sideoreu coupon. • Donl send txah • Please Include mupan with your New Curhberland, PA 17070.2320 X81 paNnent PdnNpat eL~PA; For atl IuR month payment periods. irderesl is txladatedan a mOmhy baeie. { r , r 11, I L I 1 r L l 111111 '11.. Eacro~ Ancon6gy, imerest for all tr morMha, r I' I! III I I I! r I" I I I I I' I I I r I I I I i l r I I l r l ire February, is cawletetl as Bank of America, N.A. 301950 0l anmralvderast, Irrespedlve of the arwal numtxr of days in Itw mordh. PO BOX 15222 r«~ For petal monws, iMerast M c~adavatl Wilmington, DE 19886-b222 defy on Ure talaia d a 365 day yeas 1-800-669$654 148894927000001124155001124155 _ _ _ _ We may also sue you personally for the unpaid pHncipal balance and all other sums due under the mortgage. !f you have not cured the default within the thirty (30) day period and foreclosure proceedings have begun, you st1!! have the right to cure the defau%t and prevent the sale at any tfine up to one hour before the Sheril9"s foreGosure sale. You may do so by paying the total amount bf the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attorneys fees and costs connlscted w/th the foreclosure sale jand perform any other requirements under the mortgage]. It is estimated that the earliest date that s ch a SheHfPS sale could be head would be approximately site (B) months from the date of this Notice. A notice of the date of the herlff sale will be sent to you before the sale. Of course, the amount needed to cure the default will Increase the longer you watt. Yo may find out at any time exactly what the required payment will be by calling us at the folbwing number. 1-BOO-669a66S4. This pa meet must tte in cash, cashfet's check, certffied check or money order and made payable to us at the address stated above. You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. if you oo I Inue to live in the property after the Sheriff's safe, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPER TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITU EON TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE U DER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXlST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. if you cure the defaWt, the mortgage wilt be restored to the same posltfon as if no default had occurred. However, you a not entitled to this right to cure your default more than three times in any calendar year. Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication is from a debt collector. This ttttmmunica5on is from Bank of Ameriq, N.A., Ste servicer of your home loan. E~mtafl use: Providing your e-mail address below wsi allow us m send you intonnation on your account. How we post your payrrrenta: All etxeptad AocotmtNurt~oer:148t3g4g27 peymettb of ptirtdpel and kttsrest wdl be eppged to Damian M Fenella E-mall address: the longest outstandmg installment d unless otherwise expressly prohibited ar limited law. If you submit en amount in addition to your etdtedttled monthly amount, we wfq eppty your p ants as follows: (i) to outstanding moMhty ants Of prirxripel and Mtsereat, (Y) esaow defloi , (Mi) fate charges artd other amounts you owe in actlon with your loan ahd (tv) to reduce the ing prindpal balance of ynur loan. Please dfy tf you want an addiHonel amount applied to futon eyrrteMs, rather than prindpal eduction. Postdated checks: Postdated dt will be processed on the data received unl a town rnunsetor agrees to lxmor the date on the ..I,a..L on n nrnANi.,., ..i nl..n Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option{sj could work for you. ' Options to consider if your goal is to stay in your home . i;E#;iE3:Siz:E<s:"s<•s<:.::;;;;>a>s:>z!: z:>>.::~.; •..:.~r::»><::>:;::s:::> :r.n .n..,~ ~ :F.... ...C:h J... .i n.. .wn. .gyn.. ...r i::: ::.~:..v.:.Yi:::•. ::~:.ti.:y::S:f 5... ti.: ...t. ss.. r.. . .sf.; . f.. - - - :.:,~xv - E ;ifs .E Home A federal government program that allows you to repay the {oar on newly agreed upon terms, whi h Affordable may include lowering the interest rate, placing past due amounts at the end of the loan, and/or Modffication extending the term of the loan. You may be eligible for Phis program if you meet the fallowing Program requirements: (RAMP} • The home is your primary residence and you currently live in it. • The amount you owe on the first mortgage is aqua! to or less than $729,750 for asingle-family home, $934,200 fora 2 unit property, $1,129,250 fora 3 unit property or $1,403,400 fora 4 uni property • You have experienced a hardship That has impacted your income. For example, a significant increase in your mortgage payment OR reduction in your income OR other hardship. • Your mortgage was obtained before Jan. 9, 2009. • Your payment on your firsi mortgage (including principal, interest, taxes, insurance and homeowner's association dues, if applicable) is more than 31 % of your current gross income. o calculate this, divide your first mortgage payment by your gross income (income before taxesj. Loan If you can bring your loan payments up to date, we will accept the funds needed to bring the loan u Reinstatement to date unlit the day of your foreclosure sale. Repayment A temporary agreement which allows for the repayment of the unpaid, past due amount along with Plan regular mortgage payments. This may include principal, interest, fees, and/or costs assessed to yo r loan. Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments for Forbearance period of time, to allow you to re-establish your ability to make the required payments. Agreement Loan Repay the loan on newly agreed upon terms, which may include lowering the interest rate, placing Modlfica#ion amounts past due at the end of the Coen, and/or extending the term of the loan. (non-RAMP) Partial Claim If you have a Federal Housing Administration (FHA) loan and your payments are past due but you (FHA loans are now able to make your regular monthly mortgage payment, this program is designed to bring y ur Only} loan up to date by creating a second mortgage/lien on your property fnr the amount that is past du . Options to consider if you cannot or do not wish to stay in your home - - ~ ~ `.ice?3'> •_-~;:;~:€<~>~€<r<•;>•>~ ~<:>~s~ ;:»:s~:::::::~ <.v . s.. . F........... Home Designed to help borrowers who are eligible for the Home Affordable Modification Program (RAMP Affordable but were unsuccessful in securing a permanent modification through the program. HAFA provides t e Forecbsure option of a short sale and, 'rf unsuccessful, a deed in lieu of foreclosure. A short sale is a transactio Alternatives in which you sell your properly for less than the total amount owed on the loan (subject to agreeme t Program by your servicer/lender/investor), resulting in the release of our lien on your home and avoidance o (HAFA} foreclosure. A deed in lieu of foreclosure is a transaction in which you agree to voluntarily transfer ownership of your property to us in order to avoid foreclosure. Short Sale/ Offered to borrowers who are not eligible for RAMP or other home retention alternatives. With a sh rt Pr+eforeclosure sale, you sal{ your property for less than the total amount owed on the toan (subject to agreement y Sale your servicer/lender/investor}, resulting in the release of our lien on your home and avoidance of (non-HAFA) foreclosure. Deed in Lieu of Offered to borrowers not eligible for RAMP or other home retention alternatives, and who were not Foreclosure able to sell the property through a short sale. With a deed in lieu of foreclosure, you agree to (reon-HAFA} voluntarily transfer ownership of your property to us in order to avoid foreclosure. We are here to help you. Please calf us today. _ _ _ Hay C?pciones Disponibles Para Ayudarle a Evitar is Ejecucion Hipotecaria Liame a1 ni:imero que aparece en to notification adjunta para obtener mks information Cuando flame, tenga la informacidn de sus ingresos y gastos dlsponibles para qus podamas discutir coal opeiGn(as) pusden funcionar para usted_ Opciones a considerar si su objetivo es permanecer en su casa ..:t~:::~ >xe.p.:<::y.: .x.:.<..: r...: '.v.'-i~'•' i'•: ::f:: - ti.. :~.vrri2.. .N :..n..•. .:.Y+ ::i~::•T'l.:~-:.:: iiii:~?i%~i:: C.~_.:: y x.~.. _^y.,:::: tii., ?1,.::: ':'.`iii-i,.'::?•v':: v.. .:i:. v. ern :.i n-.•: vv .n t...::...... ~ . ...s ~..t . h n ....n........ n.... v 3..: vi....:.:.. i:: i::: .....I...:~i....... ..v..........,,.. ..........~.~...v. :•it+ r...... ...........::.:.T::.::.:vn~ :..5.:::::: T:::.::::..:::.T.~n. ;..~.;:n.•n~ Home Affordable Un programs del gobierno federal que le permite'pagar ei pr~stamo ~bajo~los nuevos.t~rminos Modification acordados, qus pusden incluir la reduccibn de la lass de inters, agregando la centidad adeuda a Program (RAMP) al final del pr~stamo, y ! a extender el plazo del presstamo. Usted puede ser elegibie para sate programs si cumple con los siguientes requisitos: • La casa es su residencia principal y actualmente wive en ells. • La centidad adeudada en Ia primers hipoteca debe ser igual o menos que $729,750 dbiares para una vivienda unifamiliar, $934,200 dbleres para una propiedad de 2 unidades, $1,129, 50 dblares para una propiedad de 3 unidades a $1,403,400 para una propiedad de 4 unidades • Ha axperimentado una dificultad qus ha afectado sus ingresos. Por ejemplo, un aumento significativo en su pago hipotecario O reduccibn de sus ingresos U otres difieuitades, • Obtuvo su hipoteca antes del 01 de enero 2009. • Su pago de is primers hipoteca (inciuyendo principal, inters, impuestos, seguro y cuotas de asociacibn de propietarios, si se splits) debe ser mks del 31 % de sus ingresos brutos actual s. Para calcular esto, divide su pago hipotecario por sus ingresos brutos (ingresos antes de impuestos), Restablecim~nto Si usted puede traer sus pagos del pr~stamo hipotecaria al dia, se le aceptar~n los fondos del Pr~stamo riecesarios para que el pr8stamo sate aI die haste la fecha de la yenta judscial. Plan de Pago Un acuerda temporal qus permits el pago de is centidad adeudada, centidad del pago atrasado junto con las pagos regulares de la hipoteca. Esto puede inGuir principal, inters, honorarios y/o costos aplicados a su pr~stamo. Acuerdo Un acuerdo por el coal nos comprometemas a no proceder con la ejecucibn hipotecaria ylo Temporal de coleccibn de pagos por un periodo de tiempo, para permitirle qus restablezca su habitidad de Tolerancia hater los pagos requeridos. Modificacibn de Pager ei pr~stamo bajo los nuevos t~rminas acordados, qus puede incluir la reduccibn de la tas Pr~stamo de inters, agregando la centidad adeudada al final del presstemo, y/o extender el pfazo del {no por medio prestamo. de RAMP) Reclamo Parctal Si usted time un pr~stamo de la Administracibn Federal de Viviende (FHA) y sus pagos est~n (solamente vencldos, pero shore puede pacer sus pagos regufares mensuaies de la hipoteca, sate program prestamos de la est~ diser3atlo para qus su prbstamo sate al dia medfante la creacibn de una segunda hipoteca / FHA) gravamen sobre su propiedad por la centidad adeudada. Opciones a considerar si no puede o no desea quedarse en su casa ><s>: - - p~~jy,yj - :iii::':#R:i:;::iF ~2:,`.; ~si:r:j~i:::~::::::i+F~'': ~j .:t . t.v.:.::.. i:Li? .+tb% . .i. ~ ~.r ~i~i.'.U.y. ice:}:~'<'!'::EJ,2;`:::::.:!;T iii: ~ is i. r. :v... n: t.. .:.:.z Home t]ise+iado para ayudar a los prestatarios que son eiegibles para el Programs de Horne Affordable Affordable Modification (RAMP}, pero no tuvieron ~xito en oblener una modiflcacibn permanents a travbs del ForscWsure programs. HAFA ofrece la posibilidad de una yenta torts y, si no time bxito, una entrega de Attematives escritura para evitarjuicio hipotecario. Una vents torts es una transaccibn en la qus usted vends u Program propiedad por menos de la centidad adeudada en el pr~slama (sujeto a previo acuerdo de su (HAFA) administrador /prestamista / inversionista}, resullsndo en la liberacibn de nuestro derecho de retencibn sobre su propiedad y svitar la ejecucibn hipotecaria. Una entrega de escritura para evita juicio hipotecario es una transaccibn en la qus usted eats de acuerdo de transferir voluntariamente ias escrituras de su propiedad a nosotros con el fin de svitar la ejecucibn hipotecaria. Vents Corte! Se ofrece a los prestatarios que no son elegibles para RAMP u otras altemativas de retencibn de Vents antes de hogar. Con una yenta coma, usted vends su propiedad por menos de la centidad total adeudada e Ejecucifin el pr~stamo (sujeto a un acuerdo por su administrador /prestamista 1 inversionista), resultando en i Hipotecaria (no liberacibn de nuestro derecho de retencibn sobre su propiedad y evitando la ejecucibn hipotecaria. por medio de HAFA) Entrega de Se ofrece a los prestatarios que no son elegibies para RAMP u otras alternatives de retencibn de Escritura Para hogar, y que no pudieron vender la propiedad a travbs de una yenta coma. Con una entrega de Evitar Juicio escritura para evitarjuicio hipotecario, usted est~ de acuerda a transferir voluntariamente tas Hipotecario escrituras de su propiedad a nosotros para svitar la ejecucibn hipotecaria. (no por medio de HAFA) Estamos aqui para ayudarle. Por favor llamenos hoy. UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIF> WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com i - - - Bank of America, N.A. COURT OF COMMON PLEAS Plaintiff CIVIL DIVISION CUMBERLAND County v. DAMIAN M. FANELLA NO. 960 LIMEKILN ROAD NEW CUMBERLAND, PA 17070 HEATHER R. HARING 960 LIMEKILN ROAD NEW CUMBERLAND, PA 17070 Defendant(s) ~ ~ VERIFICATION hereby states that he sh 's f of Bank of America, N.A., Plaintiff in this matter, th t he s~h is authorized to take this Verification, and verify that the statements made in the foregoi g Civil Action in Mortgage Foreclosure are true and correct to the best of hi /he knowledg information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C. . Section 4904 relating to unsworn falsification to a orities. Date: Q Name: Title: C m y: l/ ~n~ ~i~ite~' c~, MJU 12040042 CASE 12040042-1 r FORM 1 ~ t~ ~t ~at1K. o~ Acre,' ?ca N ~ ~ . ~ ta; ~ 1 IN THE COURT OF COMMON PLEAS ~ r-- ra ~ r~ CUMBERLAND COUNTY, PENNSYLVA ~ Plaintiff(s) ~ vs. ~ ~r;y Duch ~ are ~ . ~~,e,11a ~ D~ndant(s) ~~ivil ~ NOTICE OF RESIDENTIAL MORTGAGE FORECLOSU 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 acourt-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 (7 ] 7) 243-9400 extension 10 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 Conciliati n Conference with the Court. which must be filed with the Court within sixt5r (60) days of the service upon you f 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, yon 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 far the appointment of a legal representative. However, you must provide your lawyer with alt requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer comple e a financial worksheet in the format attached hereto, your lawyer will prepare and file a Request for Conciliati n Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you f 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 SAYE YOUR HOME, YOU MUST ACT QUICKLY AND TAKE ThIE STEPS REQUIRED BY THIS NOTICE. THIS PROGRAM IS FREE. Reap et Ily submitted: _ ~ Z s Date jSignature of unse for P aint~ PA E M. BELLINU, t~ PA ID 309091 _ i FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program Financial. Worksheet Date Cumberland County Court of Common Pleas Docket # BORROWER REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance, your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: Borrower name(s): Property Address: City: State: Zip: Is the property for sale? Yes ? No ? Listing date: Price: $ Realtor Name: Realtor Phone: Borrower Occupied? Yes ? No ? Mailing Address (if different): City: State; Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household: How long? Mailing Address: City: State: Zip: Phone Numbers: Home: Office: _ Cell: Other: Email: # of people in household.: 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 Ta~:es & Insurance: _ Date of Last Payment: Primar~~ Reason for Default: Is the Loan in Bankruptcy? Yes ? No ? _ _ _ i 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: Amaunt owed: Value: Other transportation. (automobiles, boats, motorcycles): Model: Year: Amount owed: Value Monthly Income Name of Employers: 1. I 3. Additional Income Description (not wages): I . monthly amount: monthly amow~t: Borrower Pay Days: Co-Borrower Pay Days: Monthly Expenses: (Please only include expenses you are currently paying) ~ EXPENSE AMOUNT EXPENSE AMOUNT Mort aye Food I 2" Mort awe Utilities I Car Payment(s) Cnndo/Nei h. Fees Auto Insurance Med. not covered) Auto fuellre airs Other ro a ent Install. Loan Pa •ment Cable TV Child Su ort/Alim. S endin Money Da /Child Care/Tuft. Other Ex enses I Amount Available far Monthly Mortgage Payments Based on Lncome & Expenses: j Have you been working with a Housing Counseling Agency? i Yes ? No ? If yes, please provide the fallowing information: Counseling Agency: Counselor; Phone (Office): Fax: _ r - 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 (I~Tame): 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 my financial situation for possible mortgage options. UWe 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 lend_e!r's counsel: ~V Proof of income Past 2 bank statements -V( Proof of any expected income for the last 45 days V Copy of a current utility bill Letter explaining reason for delinquency and any supporting documentation _ I (hardship letter) V Listing agreement (if property is currently on the market) I FORM 3 ii ~n~ a~ ~t~ ~ CL~ i tv- ~ . IN THE COURT OF COMMON PLEAS OF :CUMBERLAND COUNTY. PENNSI'I..VANI Plaintiff{s) dam rC~rl . ~FGt(~Q,,110. . ~r ~ ~r~in Def~dant(s) CIVIL REQUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order dated . 20 i 2 governing the Cumberl d Count<r Residential Mortgage Foreclosure Diversion Program, the undersigned hereby certifies as :Follows: 1. Defendant is the owner of the real property which is the subject of this mortgage foreclosure action; 2. Defendant lives in the subject real property, which is defendant's primary residence; i. Defendant has been served with a "Notice of Residential Mortgage Foreclosure Diversion .Program" and has taken all of the steps required. in that. Notice to be eligible to participate in acourt-supervised conciliation conference. The undersigned verifies that the statements made herein are true and correct. I understand that false statements are made subject to the penalties of 18 Pa. C.S. X4904 relating t ~ unsworn falsification to authorities. Signature of Defendant's Counsel/Appointed Date Legal Representative Signature of Defendant Date Signature of Defendant Date I UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAIN`'~`Il~'>~t' ?Rt~T#~O~1C~`fArc~t BY: MARK J. UDREN, ESQUIRE - ID #04302 ! ~ ~ 3 f 9 STUART WINNEG, ESQUIRE - ID#45362 ~ LORRAINE GAZZARA DOYLE, ESQUIRE - ID#34576 ~J1,1P~~RLAt~Q Ct~UNTY SHERRI J. BRAUNSTEIN, ESQUIRE - ID#90675 ~'~NN5YL~JANlA SALVATORE CAROLLO, ESQUIRE - ID#311050 PAIGE M. BELLING, ESQUIRE - ID#309091 BARRY B. REESE, ESQUIRE - ID#310501 KASSIA FIALKOFF, ESQUIRE - ID#310530 ELIZABETH L. WASSALL, ESQUIRE - ID#77788 AGNES MOMBRUN, ESQUIRE - ID#309356 ELANA B. FLEHINGER, ESQUIRE - ID#209197 KATHERINE E. KNOWLTON, ESQUIRE - ID#311713 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 leadingsCa,udren.com Bank of America, N.A. COURT OF COMMON 16001 North Dallas Parkway, Addison, TX 75006 PLEAS Plaintiff CIVIL DIVISION CUMBERLAND County DAMIAN M. FANELLA 960 LIlVIEKILN ROAD NEW CUMBERLAND, PA 17070 NO ~ ~ ~ J~~ I HEATHER R HARING 960 LIMEKILN ROAD NEW CUMBERLAND, PA 17070 Defendant(s) ENTRY OF APPEARANCE TO THE PROTHONOTARY: Kindly enter the appearance of the following counsel: Mark J. Udren, Esquire; Stuart Winneg, Esquire; Lorraine Doyle, Esquire; Sherri J. Braunstein, Esquire; Paige M. Bellino, Esquire; Harry B. Reese, Esquire; Kassia Fialkoff, Esquire; Salvatore Carollo, Esquire; Elizabeth L. Wassail, Esquire; Agnes Mombrun, Esquire; Elana B. Flehinger, Esquire; Katherine E. Knowlton, Esquire on behalf of the Plaintiff, in the above- captioned matter. UDREN A OFFICES, P.C. ~f BY: ,~AIGE M. BELLING, ESQUIRE PA ID 309091