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Home My WebLink About13-1472 [ t 3 McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE - ID # 16496 Attorneys for Plaintiff MARC S. WEISBERG, ESQUIRE - ID # 17616 EDWARD D. CONWAY, ESQUIRE - ID # 34687 MARGARET GAIRO, ESQUIRE - ID # 34419 ANDREW L. MARKOWITZ, ESQUIRE - ID # 28009 HEIDI R. SPIVAK, ESQUIRE - ID #74770 MARISA J. COHEN, ESQUIRE - ID # 87830 KEVIN T. MCQUAIL, ESQUIRE - ID # 307169 CHRISTINE L. GRAHAM, ESQUIRE - ID # 309480 BRIAN T. LAMANNA, ESQUIRE - ID # 310321 JOSEPH F. RIGA, ESQUIRE - ID # 57716 JOSEPH L FOLEY, ESQUIRE - ID #314675 123 South Broad Street, Suite 1400 Philadelphia, Pennsylvania 19109 215 790 -1010 Flagstar Bank, FSB Cumberland County 5151 Corporate Drive Court of Common Pleas Troy, MI 48098 V. Number c !/ Brenda Hildebrand 17 Noble Drive Shippensburg, PA 17257 and Daniel Hildebrand 17 Noble Drive Shippensburg, PA 17257 COMPLAINT IN MORTGAGE FORECLOSURE 3 � File # 71281 Page I NOTICE AVISO You have been sued in court. If you wish to defend Le han demandado a usted en la corte. Si usted quiere against the claims set forth in the following pages, you defenderse de estas demandas ex- puestas en las paginas must take action within twenty (20) days after this siguientes, usted tiene veinte (20) dias de plazo al partir complaint and notice are served, by entering a written de la fecha de la demanda y la notificacion. Hace falta appearance personally or by attorney and filing in asentar una comparencia escrita o en persona o con un writing with the court your defenses or objections to the abogado y entregar a la corte en forma escrita sus claims set forth against you. You are warned that if you defensas o sus objeciones a las demandas en contra de fail to do so the case may proceed without you and a su persona. Sea avisado que si usted no se defiende, la judgment may be entered against you by the court corte tomara medidas y puede continuar la demanda en without further notice for any money claimed in the contra suya sin previo aviso o notificacion. Ademas, la complaint or for any other claim or relief requested by corte puede decidir a favor del demandante y requiere the plaintiff. You may lose money or property or other que usted cumpla con todas las provisioner de esta rights important to you. demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. YOU SHOULD TAKE THIS PAPER TO USTED LE DEBE TOMAR ESTE PAPEL A YOUR LAWYER AT ONCE. IF YOU DO NOT SU ABOGADO INMEDIATAMENTE. SI USTED NO HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN TIENE A UN ABOGADO, VA A O TELEFONEA LA PROVIDE YOU WITH INFORMATION ABOUT OFICINA EXPUSO ABAJO. ESTA OFICINA LO PUEDE PROPORCIONAR CON INFORMATION HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A ACERCA DE EMPLEAR A UN ABOGADO. LAWYER, THIS OFFICE MAY BE ABLE TO Sl USTED NO PUEDE PROPORCIONAR PROVIDE YOU WITH INFORMATION ABOUT PARA EMPLEAR UN ABOGADO, ESTA OFICINA AGENCIES THAT MAY OFFER LEGAL SERVICES PUEDE SER CAPAZ DE PROPORCIONARLO CON TO ELIGIBLE PERSONS AT A REDUCED FEE OR INFORMACION ACERCA DE LAS AGENCIAS NO FEE. QUE PUEDEN OFRECER LOS SERVICIOS LEGALES A PERSONAS ELEGIBLES EN UN Cumberland County Bar Association HONORARIO REDUCIDO NI NINGUN 32 South Bedford Street HONORARIO. Carlisle, PA 17013 (800) 990 -9108 Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (800) 990 -9108 File # 71281 Page 2 COMPLAINT IN MORTGAGE FORECLOSURE 1, Plaintiff is Flagstar Bank, FSB, duly organized and doing business at the above - captioned address. The Defendant is Brenda Hildebrand, who is the mortgagor and real owner of the mortgaged property hereinafter described, and his /her last -known address is 17 Noble Drive, Shippensburg, PA 17257. 3. The Defendant is Daniel Hildebrand, who is the mortgagor and real owner of the mortgaged property hereinafter described, and his /her last -known address is 17 Noble Drive, Shippensburg, PA 17257. 4. On May 26, 2006, mortgagors made, executed and delivered a mortgage upon the premises hereinafter described to Mortgage Electronic Registration Systems, Inc. as nominee for Amerifirst Home Improvement Finance Co. which mortgage is recorded in the Office of the Recorder of Cumberland County in Mortgage Book 3150, Page 570, such Mortgage being incorporated herein by reference pursuant to Rule 1019(g) Pa. R. C. P. 5. On February 15, 2013, the aforesaid mortgage was thereafter assigned by Mortgage Electronic Registration Systems, Inc. as nominee for Amerifirst Home Improvement Finance Co. to Flagstar Bank, FSB. by Assignment of Mortgage, recorded in the Office of the Recorder of Cumberland County in Assignment of Mortgage Instrument Number 201303816, such Assignment of Mortgage being incorporated herein by reference pursuant to Rule 1019(g) Pa. R. C. P. 6. The premises subject to said mortgage is described in the legal description attached as Exhibit "A" and is known as 17 Noble Drive, Shippensburg, Pennsylvania 17257. 7. The mortgage is in default because monthly payments of principal and interest upon said mortgage due October 1, 2012 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon default in such payments for a period of one month, the entire principal balance and all interest due thereon are collectible forthwith. File # 71281 Page 3 8. The following amounts are due on the mortgage: Principal Balance $ 163,582.47 Interest through April 22, 2013 $ 4,848.58 (Plus $20.73 per diem thereafter) Late Charges $ 224'88 650.00 Attorney's Fee $ 1, Escrow Advance $ 1,4 1 NSF Charges $ 19.00 Property Inspections $ 25.00 $ 289.44 MIP GRAND TOTAL $ 172,090.29 The attorney's fees set forth above are in conformity with the mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff's sale. If the mortgage is reinstated prior to sale, reasonable and actually incurred attorney's fees will be charged in accordance with the reduction provisions of Act 6, if applicable. 9. Notice of Intention to Foreclose as required by Act 6 of 1974 (41 P.S. §403) and notice required by the Emergency Mortgage Assistance Act of 1983 as amended under 12 PA Code Chapter 13, et seq.. commonly known as the Combined Notice of Delinquency has been sent to Defendant by regular mail with a certificate of mailing and by certified mail, return receipt requested. WHEREFORE, Plaintiff demands in rem Judgment againstthe Defendant in the sum of $172,090.29, together with interest at the rate of $20.73 per diem and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgaged property. McCABE, WEISBERG AND CONWAY,P.C. BY ] f ERRENCE J. McCABE, ESQUIRE ] MARC S. WEISBERG, ESQUIRE [ ] EDWARD D. CONWAY, ESQUIRE [ ] MARGARET GAIRO, ESQUIRE [ ] ANDREW L. MARKOWITZ, ESQUIRE [ ] HEIDI R. SPIVAK, ESQUIRE [ ] MARISA J. COHEN, ESQUIRE [ ] KEVIN T. MCQUAIL, ESQUIRE [ ] CHRISTINE L. GRAHAM, ESQUIRE [ ] BRIAN T. LAMANNA, ESQUIRE [ ] JOSEPH F. RIGA, ESQUIRE [ ] JOSEPH I. FOLEY, ESQUIRE Attorneys for Plaintiff File 4 71281 Page 4 VERIFICATION The undersigned attorney hereby certifies that he /she is the Attorney for the Plaintiff in the within action, and that he /she is authorized to make this verification and that the foregoing facts based on the information from the Plaintiffs representative, who is out of jurisdiction and not available to sign this verification at this time, and are true and correct to the best of his/her knowledge, information and belief and further states that false statements herein are made subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsification to authorities. McCABE, WEISBERG AND CONWAY,P.C. TERRENCE J. McCABE, ESQUIRE /[ ] MARC S. WEISBERG, ESQUIRE [ ] EDWARD D. CONWAY, ESQUIRE [ ] MARGARET GAIRO, ESQUIRE [ ] ANDREW L. MARKOWITZ, ESQUIRE [ ] HEIDI R. SPIVAK, ESQUIRE [ ] MARISA J. COHEN, ESQUIRE [ ] KEVIN T. MCQUAIL, ESQUIRE [ ] CHRISTINE L. GRAHAM, ESQUIRE [ ] BRIAN T. LAMANNA, ESQUIRE [ ] JOSEPH F. RIGA, ESQUIRE [ ] JOSEPH I. FOLEY, ESQUIRE Attorneys for Plaintiff Flagstar Bank, FSB v. Brenda Hildebrand and Daniel Hildebrand File # 71281 Page 5 DESCRIPTION OF MORTGAGED PREMISES Title No. 2013 -22038 ALL THAT CERTAIN TRACT OF LAND LYING AND BEING SITUATE IN SOUTHAMPTON TOWNSHIP, FRANKLIN COUNTY, PENNSYLVANIA, BEING ALL OF LOT NO. 66, ON A FINAL SUBDIVISION PLAN OF THORNWOOD, PHASE 2, DATED SEPTEMBER 21, 2004, PREPARED BY ERIC L. DIFFENBAUGH, PROFESSIONAL LAND SURVEYOR, SAID PLAN BEING RECORDED IN THE OFFICE OF THE RECORDER OF DEEDS OF FRANKLIN COUNTY, PENNSYLVANIA, IN VOLUME 2881, PAGE 989, MORE FULLY BOUNDED AND DESCRIBED AS FOLLOWS: BEGINNING AT A POINT ON THE SOUTHEASTERN RIGHT -OF -WAY LINE OF NOBLE DRIVE AT THE DIVIDING LINE BETWEEN LOTS NO. 65 AND 66; THENCE ALONG THE SOUTHEASTERN RIGHT -OF -WAY LINE OF NOBLE DRIVE, NORTH 35 DEGREES 12 MINUTES 45 SECONDS EAST A DISTANCE OF 100.00 FEET TO A POINT IN THE DIVIDING LINE BETWEEN LOTS NOS. 66 AND 67; THENCE ALONG SAID DIVIDING LINE NORTH 54 DEGREES 47 MINUTES 15 SECONDS WEST A DISTANCE OF 149.26 FEET TO A POINT IN THE RIGHT -OF -WAY LINE OF THORNWOOD ROAD; THENCE ALONG THE RIGHT -OF -WAY OF THORNWOOD ROAD, SOUTH 29 DEGREES 24 MINUTES 08 SECONDS WEST A DISTANCE OF 100.52 FEET TO A POINT AT THE DIVIDING LINE BETWEEN LOTS NO. 65 AND 66; THENCE ALONG SAID DIVIDING LINE SOUTH 54 DEGREES 47 MINUTES 15 SECONDS EAST A DISTANCE OF 139.09 FEET TO A POINT ON THE SOUTHEASTERN RIGHT - OF -WAY LINE OF NOBLE DRIVE, THE POINT AND PLACE OF BEGINNING. [UKM \ � IN THE CDORT D[ CONK4ON yL ' '"�,~' `^~^~ ' -- [O��UEKi��UCOUl�TY. PEN�� N'L& ^ .....^. J / Uo| ..`.,'1'-----i _ ~`^~--- FORECLOSURE �� ~�� l� RESIDENTIAL MORTGAGE � ��8��'�n��m�E /��x��u� �� "��',°��~~^,�~~_-_ ��l�|��|�|�� m�/u v �� 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 ofthis foreclosure action, you may be able to participate in a court-supervised conciliation conference in an effort to resolve this matter with your |cndcr. If you do not have a lawyer, you must take the following steps to be eligible for a conciliation uomkuronue First, within twenty (20>du�eof your receipt of this notice, you nouatcontact �3idPonnLegal Scrviocxu\ ` 7|7) ` 4]'940U extension ' 25lOor(80O)822'5288 extension 25lO and request appointment ufu legal representative at no charge to you. Once you have been appointed a legal representative, you must promptly m- civvith that legal representative within twenty (20) days of the appointment date. During that meeting, you rnus\provide the legal representative with all requested financial information nu that u |ouu rcoo|od can hc prepared on your behalf. }f you and your legal representative complete ufinancial worksheet in the format aUuchedhereto, the legal rcpreucnNtivcv/i||prepare and �|euRequest for Conciliation Conference ^ with the Court, which must he filed with the Court within sixty (6O) days of the service upon you of � complaint. |f d so you vviUhave un th�[br�c/oxurccompu � �ouono , opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements With your tender before the mortgage foreclosure suit proceeds forward. If you are represented by aYmv�ymr,you and your lmvvymrmmmuttake the follw»�imgsteps to be eligible for u conciliation oom&ur It is not necessary for you to contact K1idPenu Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested financial information so that loan resolution proposal can be prepared un 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 tile Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. }[ you do so and u conciliation conference is scheduled, you will have ail opportunity to nocutvvi{h u n:p,cocntckivc of your lender in an attempt to work out ruumunub\o 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 88 FREE. Respectfully submitted: ooic '`'�''-'-- — ---- ntiffl nzo/ Pa / 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 El 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 on household: How long? _ __- - -- Mailing Address (if different): City: _ —_ State: Zip: Phone Numbers: Home: __ Office: Other: Cell: Finail: — — "— — of people on household: How long? First Mortgage Lender: - -- -- -- "type of Loan: — Date You Closed Your Loan: Loan Number: Second Mortgage Lender: — — - -- — "I ype of Loan: -- _ Loan Number: -- "Total Mortgage Payment Amount $ — Included Taxes & Insurance: Date of Last Payment: -- Primary Reason for Default: Is the loan in Bankruptcy? Yes ❑ No ❑ If yes, provide names, location of court, case number & attorney: — -- Assets Amount Owed: Value llome: $_ Other Real Real Estate: $ $ Retirement Funds: $ $ Investments: $ $— Checking: $ $ Savings: $ $ Other: $ $ Automobile 41: Model: Year: Amount owed: Value: Automobile #2: Model: Year: Amount owed: Value: O ther transportation (automobiles boats moto rc y cles): Model Year: — __ -___ _- Amount owed: Value: Monthly Income Name of Employers: Additional Income Description (not wages): I . --------monthly amount: __ monthly amount: B Co- Borrower Pay Days: Borrower Pay Days: -- — — Monthly Expenses: (Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Mortgage Food go Mortgage Utilities Czar Payment(s) Condo/Neigh. Fees Auto Insurance Med. (not covered) Auto fuel /repairs Other prop. payment Install. Loan Payment Cable TV Child Support/Alim. Spending Money Da /Child Care /Tuft. Other Expense!; Amount Available for Monthly Mortgage Payments Based on Income & Expenses: Have you been working with a Housing Counseling Agency? Yes ❑ No C 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 deliquency? Yes ❑ No ❑ If yes. please indicate the status of those negotiations: _-- Please provide the following information, if known, regarding your lender or lender's loan servicing company: Lender's Contact (Name): _ Phone: Servicing Company (Name): Contact: Phone: I! W e. authorize the above named _ to use /refer this information to my lender / servicer for the sole purpose of evaluating my financial situation for possible mortgage options. I /We understand that I /we am /are under no obiligation 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: f Proof of income Past 2 bank statements Proof of any expected income for the last 45 days Copy of a current utility bill f Letter explaining reason for delinquency and any supporting documentation (hardship letter) Listing agreement (if property is currently on the market) 3 SHERIFF'S OFFICE OF CUMBERLAND COUNTC IL�.B-QF !fir. Ronny RAnderson = THE PROTHONG fAi-';` Sherifftp atrrbrt! Jody S Smith '° � 2-313 MAR 28 Ate 10: 514 Chief Deputy CUMBERLAND COUN i y Richard W Stewart Solicitor OFFICE OF THE V-ERIE; P E N NS Y LVA N i A Flagstar Bank FSB Case Number vs. 2013-1472 Brenda Hildebrand (et al.) SHERIFF'S RETURN OF SERVICE 03/25/2013 Ronny R Anderson, Sheriff, being duly sworn according to law,states he made diligent search and inquiry for the within named Defendant to wit: Brenda Hildebrand, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Complaint in Mortgage Foreclosure as"Not Found"at 17 Noble Drive, Southampton, Shippensburg, PA 17257.This address is located in Franklin County. 03/25/2013 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Daniel Hildebrand, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Complaint in Mortgage Foreclosure as"Not Found"at 17 Noble Drive, Southampton, Shippensburg, PA 17257.This address is located in Franklin County. SHERIFF COST: $64.00 SO ANSWERS, 1�z March 25, 2013 RON R ANDERSON, SHERIFF (c)CountySuite Sheriff,Teleosoft Inc. McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE - ID # 16496 MARC S. WEISBERG, ESQUIRE - ID # 17616 EDWARD D. CONWAY, ESQUIRE - ID # 34687 MARGARET GAIRO, ESQUIRE - ID # 34419 ANDREW L. MARKOWITZ, ESQUIRE - ID # 28009 HEIDI R. SPIVAK, ESQUIRE - ID # 74770 MARISA J. COHEN, ESQUIRE - ID # 87830 CHRISTINE L. GRAHAM, ESQUIRE - ID # 309480 BRIAN T. LAMANNA, ESQUIRE - ID # 310321 ANN E. SWARTZ, ESQUIRE - ID # 201926 JOSEPH F. RIGA, ESQUIRE - ID # 57716 JOSEPH I. FOLEY, ESQUIRE - ID #314675 CELINE P. DERKRIKORIAN, ESQUIRE - ID # 313673 JENNIFER L. WUNDER, ESQUIRE - ID # 315954 LENA KRAVETS, ESQUIRE - ID # 316421 123 South Broad Street, Suite 1400 Philadelphia, Pennsylvania 19109 (215) 790 -1010 Flagstar Bank, FSB Plaintiff v. Brenda Hildebrand and Daniel Hildebrand Defendants TO THE PROTHONOTARY: l' D O N Y 'E ES C CUMBERLAND COUNTY COURT OF COMMON PLEAS No. 13 -1472 Civil PRAECIPE ® Please mark the action Discontinued and Ended without prejudice. ❑ Please mark the above referenced case Settled, Discontinued and Ended. ❑ Please Vacate the judgment entered and mark the action Discontinued and Ended without prejudice. ❑ Please mark the in rem judgment Satisfied and the action Discontinued and Ended. ❑ Please Vacate the Judgment entered. DATE: 2, f 7 /1 �l McC, WEISBER BY: [ ] T - ence J. McCabe, E [ ] Edward D. Conway, Esq. [ ] Andrew L. Markowitz, Esq. [ ] Marisa J. Cohen, Esq. [ ] Brian T. LaManna, Esq. [ ] Joseph F. Riga, Esq. [ ] Celine P. DerKrikorian, Esq. [ ] Lena Kravets, Esq. Attorneys for Plaintiff ONWAY, P.C. [ ] Marc S. Weisberg, Esq. [ ] Margaret Gairo, Esq. [ ] Heidi R. Spivak, Esq. [ ] Christine L. Graham, Esq. [ ] Ann E. Swartz, Esq. [4] Joseph I. Foley, Esq. [ ] Jennifer L. Wunder, Esq. McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE - ID # 16496 MARC S. WEISBERG, ESQUIRE - ID # 17616 EDWARD D. CONWAY, ESQUIRE - ID # 34687 MARGARET GAIRO, ESQUIRE - ID # 34419 ANDREW L. MARKOWITZ, ESQUIRE - ID # 28009 HEIDI R. SPIVAK, ESQUIRE - ID # 74770 MARISA J. COHEN, ESQUIRE - ID # 87830 CHRISTINE L. GRAHAM, ESQUIRE - ID # 309480 BRIAN T. LAMANNA, ESQUIRE - ID # 310321 ANN E. SWARTZ, ESQUIRE - ID # 201926 JOSEPH F. RIGA, ESQUIRE - ID # 57716 JOSEPH I. FOLEY, ESQUIRE - ID #314675 CELINE P. DERKRIKORIAN, ESQUIRE - ID # 313673 JENNIFER L. WUNDER, ESQUIRE - ID # 315954 LENA KRAVETS, ESQUIRE - ID # 316421 123 South Broad Street, Suite 1400 Philadelphia, Pennsylvania 19109 (215) 790 -1010 Flagstar Bank, FSB Plaintiff v. Brenda Hildebrand and Daniel Hildebrand Defendants CUMBERLAND COUNTY COURT OF COMMON PLEAS No. 13 -1472 Civil CERTIFICATE OF SERVICE The undersigned Attorney for Plaintiff, hereby certifies that a true and correct copy of the within Praecipe was served on the below persons by regular first class mail, postage prepaid, on the l 7 day of March, 2014. Brenda Hildebrand 17 Noble Drive Shippensburg, Pennsylvania 17257 Daniel Hildebrand 17 Noble Drive Shippensburg, Pennsylvania 17257 DATE: /) McCABE, W G AND CON . _ Y, P.C. BY: [ ] Terrence J cCabe, Esq. [ ] Edward D. Conway, Esq. [ ] Andrew L. Markowitz, Esq. [ ] Marisa J. Cohen, Esq. [ ] Brian T. LaManna, Esq. [ ] Joseph F. Riga, Esq. [ ] Celine P. DerKrikorian, Esq. [ ] Lena Kravets, Esq. Attorneys for Plaintiff [ ar6,- $-Weisberg, Esq. [ ] Margaret Gairo, Esq. [ ] Heidi R. Spivak, Esq. [ ] Christine L. Graham, Esq. [ Ann E. Swartz, Esq. [V]] Joseph I. Foley, Esq. [ ] Jennifer L. Wunder, Esq.