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HomeMy WebLinkAbout13-2423 Supreme Court of Pennsylvania Court of Common Pleas For Prolhonotar;y Useonti% Civil Cover Sheet Docket No: Cumberland County The information collected on this form is used .solely for court administration purposes. This form does not sup plement or replace thefiling and service of leadin s or other a ers as required by law or rules o court. S Commencement of Action: E x Complaint ❑ Writ of Summons ❑ Petition C ❑ Transfer from Another Jurisdiction ❑ Declaration of Takin Lead Plaintiffs Name: FEDERAL NATIONAL Lead Defendant's Name: RICHARD E. CLOUSER AND I MORTGAGE ASSOCIATION SHERRY A. CLOUSER 1 0 N Are money damages requested? : ❑ Yes X No Dollar Amount Requested: within arbitration limits A Check one outside arbitration limits Is this a Class Action Suit? 0 Yes ❑X No Is this an MDJA eal? ❑ Yes ❑X No Name of Plaintiff/Appellant's Attorney: Martha Von Rosenstiel. Esa. ❑ Check here if you are a Self Pro Se Litigant Natuh'e of the Case Place an "X" to the left of the ONE case category that tuost accurately describes your PRB, L4[RYCASE. If you are nraking more than one type of c1auu_ check the one that j you consider most important. J TORT (do not 1nc1nde. rota) CONTRACT (do not Inctnde Judgments) CI \'IL APPEALS El Intartional ❑Buyer Plaintiff Administrative Agencies 0 Malicious Prosecution ❑ Debt Collection: Credit Card ❑ Board of Assessment Q Motor Vehicle ❑ Debt Collection: Other E] ' El Board of Elections ❑ Dept. ofTrmisporuttion O ' N Premi s e s Liability El Sk�hrtotyAppeal: Other S 0 Product Liability (does not irctucicz E mass tort] ❑ Employment Dispute: d Q �laner!Libelr Defamation Discrimination C 0 Other: ❑ Employment Dispute: Other ❑ Zoning Board T _ ❑ Other: T ❑ Other: o \I_�SS TORT Asbestos N ❑ Tobacco Q Toxic Tort - DES Toxic Tort - Implant REAL PROPERTY \•IISCELLAiNEOUS Toxic Waste Other: ❑ Ejectment ❑ Conunon Lau /Statutory Arbitration mnin'Coudenumtion ❑ Declaratory Judgment ❑ Ground Rent. 8 Mandamus 0 Landlord/Tenant. Dispute \on- Domestic Relations E] Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABLITY ❑ Mortgage Foreclosure: Commercial Q Quo Warranto 0 Dental ❑ Partition ❑ Replevin 0 Legal ❑ Quiet Title 0 Other: 0 Medical ❑ Other: Other Professional: L•j dnted 111P -011 f''LE'D 0Et ICE MARTHA E. VON ROSENSTIEL, P.C. (;3 ! i'E F'R(3THONC }ARY 32077CFC -AB Martha E. Von Rosenstiel, Esquire / No. 52634 2 #3 flm _ 1 1M I f : 22 Heather Riloff, Esquire / No. 309906 649 South Avenue, Suite 7 CUMBERLAND COUNTY Secane, PA 19018 PEN NSYLVANIA (610) 328 -2887 Attorneys for Plaintiff FEDERAL NATIONAL MORTGAGE COURT OF COMMON PLEAS OF ASSOCIATION CUMBERLAND COUNTY 3900 Wisconsin Avenue, NW Washington, DC 20016 -2892 V. Plaintiff RICHARD E. CLOUSER AND SHERRY A. CLOUSER 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 Defendants CIVIL ACTION — MORTGAGE FORECLOSURE NOTICE ADVISO You have been sued in court. If you wish to defend against the claims Le han demandado a usted en la corte. Si usted quiere defenderse de set forth in the following pages, you must take action within twenty estas demandas expuestas en las paginas siguientes, usted tiene (20) days after this complaint and notice are served, by entering a veinte (20) dias de plazo al partir de ]a fecha de la demanda y la written appearance personally or by attorney and filing in writing with notificacion. Hace falta a sentar una comparencia escrita o en the court your defenses or objections to the claims set forth against you. persona o con un abogado y entregar a la corte en forma escrita sus You are warned that if you fail to do so the case may proceed without defensas o sus objeciones a las demandas en contra de su persona. you and a judgment may be entered against you by the court without Sea a visado que si usted no se defiende, la corte toma ra medidas y further notice for any money claimed in the complaint or for any other puede continuar la demanda en contra suya sin previo aviso o claim or relief requested by the plaintiff. You may lose money or notificacion. Ademas, la corte puede decidir a favor del demandante property or other rights important to you y requiere que usted cumpla con todas las provisioner de esta demanda. Usted puede perder dinero o sus propiedades o otros de rechos importantes para usted. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT LLEVE ESTA DEMANDA A UN ABOGADO ONCE. IF YOU DO NOT HAVE A LAWYER GO TO OR INMEDIATAMENTE. SI NO TIENE ABOGADO VAYA EN TELEPHONE THE OFFICE SET FORTH BELOW. THIS PERSONA O TELEFONA A LA OFICINA ESCRITA ABAJO . OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT ESTA OFICINA LE PUEDE PROVEER INFORMACION HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A SOBRE COMO CONTRATAR A UN ABOGADO. SI USTED LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU NO TIENE EL DINERO SUFICIENTE PARA CONTRATAR A WITH INFORMATION ABOUT AGENCIES THAT MAY UN ABOGADO, LE PODEMOS DAR INFORMACION OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A SOBRE AGENCIAS QUE PROVEEN SERVICIO LEGAL A REDUCED FEE OR NO FEE PERSONAS ELEGIBLE PARA SERVICIOS A COSTO REDUCIDO O GRATUITO CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717 - 249 -3166 0� 800 - 990 -9108 THIS IS AN ATTEMPT TO COLLECT A DEBT ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE, BE ADVISED THAT: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15. U.S.C. §1692, et seq. (1977), DEFENDANT(S) MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF. IF DEFENDANT(S) DO SO IN WRITING WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANT(S) WITH WRITTEN VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL SEND DEFENDANT(S) THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM ABOVE. THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF THE THIRTY(30) DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS COMPLAINT IS TO BE FILED IN THIS ACTION WITHIN TWENTY (20) DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME. FURTHERMORE, NO REQUEST WILL BE MADE TO THE COURT FOR A JUDGMENT UNTIL THE EXPIRATION OF THIRTY (30) DAYS AFTER YOU HAVE RECEIVED THIS COMPLAINT. HOWEVER, IF YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITHIN THE THIRTY (30) DAY PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT, THE LAW REQUIRES US TO CEASE OUR EFFORTS (THROUGH LITIGATION OR OTHERWISE) TO COLLECT THE DEBT UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS IN THIS SUIT. IF YOU HAVE FILED BANKRUPTCY AND RECEIVED A DISCHARGE, THIS IS NOT AN ATTEMPT TO COLLECT A DEBT. IT IS AN ACTION TO ENFORCE A LIEN ON REAL ESTATE. MARTHA E. VON ROSENSTIEL, P.C. 32077CFC -AB Martha E. Von Rosenstiel, Esquire / No. 52634 Heather Riloff, Esquire / No. 309906 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328 -2887 Attorneys for Plaintiff FEDERAL NATIONAL MORTGAGE -COURT OF COMMON PLEAS OF ASSOCIATION CUMBERLAND COUNTY 3900 Wisconsin Avenue, NW Washington, DC 20016 -2892 Plaintiff V. NO. RICHARD E. CLOUSER AND SHERRY A. CLOUSER 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 Defendants CIVIL ACTION - MORTGAGE FORECLOSURE THIS IS AN ATTEMPT TO COLLECT A DEBT ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE 1. Plaintiff is Federal National Mortgage Association, organized and existing under the laws of the United States of America, with offices for the conduct of business at 3900 Wisconsin Avenue, NW, Washington, DC 20016 -2892, 2. Defendants, Richard E. Clouser and Sherry A. Clouser are the mortgagors and real owners of premises 617 Colonial View Road Unit 18, Mechanicsburg, PA 17055, hereinafter described, whose last known address is listed in the caption. 3. Plaintiff brings this action in mortgage foreclosure against defendants, mortgagors and real owners, to foreclose a certain indenture of mortgage made, executed and delivered by the above named defendants, mortgagors and real owners to Mortgage Electronic Registration Systems, Inc. as Nominee for First Horizon Home Loan Corporation on April 26, 2007, which mortgage was recorded on May 1, 2007 in the Office of the Recorder of Deeds of Cumberland County in Mortgage Book 2310 Page 20, secured on premises 617 Colonial View Road Unit 18, Mechanicsburg, PA 17055 a true and correct description of which is attached hereto as Exhibit I. 4. The mortgage has been assigned to Plaintiff herein by written assignment, which has been lodged with the Recorder of Deeds of Cumberland County, a copy of which is attached hereto as Exhibit 11. 5. Plaintiff alleges each and every term, condition and covenant in the aforesaid mortgage, and hereby incorporates them herein by reference thereto. 6. The aforesaid mortgage is in default in that monthly installments of principal and interest have not been made in conformity with the terms of the mortgage, from October 2012 and each month thereafter, up to and including the present time. 7. Under the terms of the aforesaid mortgage, upon default of payments set forth in the mortgage documents, the entire principal balance and all interest due thereon are collectible forthwith. 8. The following is an itemized statement of the amount due plaintiff under the terms of the aforesaid mortgage: Principal Balance $ 139,434.89 Interest from 9/1/2012 to 4/23/2013 at $7.64 per diem $ 1,787.82 Accrued Escrow deficit $ 1,734.69 Attorney's Fee $ 1,650.00 Legal /Attorney $ 440.82 Title $ 450.00 Property Inspections $ 135.00 Suspense $ (148.68) Total $ 145,484.54 9. Plaintiff sent to Richard E. Clouser, defendant, mortgagor and real owner, a combined Notice and Warning of Intention to Foreclose and Notices of Homeowners' Emergency Mortgage Assistance Act of 1983 advising of rights available under the statutes. To date payments have not been received and Act 91 as amended by Act 160 of 1998 assistance has not been granted, although the applicable time periods provided by statute have expired (Exhibit 11). 10. The Defendant Sherry A. Clouser is not a residential mortgage debtor and is not entitled to mortgage assistance or notice under Act 91 of 1983 and Act 6 of 1974. WHEREFORE, plaintiff demands judgment for foreclosure and sale of the mortgaged premises in the amount of $145,484.54, plus per diem interest at $7.64 from April 24, 2013 to the date of judgment plus costs thereon. Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P BY: Martha E. Von Rosenstiel, Esquire Heather Riloff, Esquire Attorneys for Plaintiff VERIFICATION Julia Rust hereby states that he /she is the i ureciosure Specialist of Seterus, Inc., Servicing Agent for Federal National Mortgage Association, plaintiff herein; that he /she is duly authorized to make this Verification on behalf of Federal National Mortgage Association and verifies that the statements made in the foregoing Complaint in Federal National Mortgage Association v. Richard E. Clouser and Sherry A. Clouser relating to the property located at 617 Colonial View Road Unit 18, Mechanicsburg, PA 17055 are true and correct to the best of his/her information and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. gy. J lia Rust Title: F reclosure Specialist Seterus, Inc. as servicer for Federal National Mortgage Association Dated: L� X31 3 EXHIBIT I LEGAL DESCRIPTION ALL THAT CERTAIN condominium unit in the property known, named and identified in the Declaration referred to below as 'Colonial View Condominium' located in Upper Allen Township, Cumberland County, Pennsylvania, which has heretofore been submitted to the provisions of the Pennsylvania Uniform Condominium Act, 68 P.S.A. 1301, et. seq., by the recording in the Cumberland County Recorder of Deeds Office a Declaration dated May 23, 1984 and recorded May 24, 1984, in Miscellaneous Book 295, Page 721, together with an undivided interest in the Common Elements of 4.17% which interest, if all thirty -eight (38) units which need not be built (NNB) are built, could be reduced to 1.6161% in the manner set forth in Section 8d of the said Declaration, being and designated in such Declaration as UNIT NO. 18, and also known as 617 Colonial View Road, as more fully described in such Declaration. UNDER AND SUBJECT to any and all covenants, conditions, restrictions, rights of way, easements and agreements of record. PARCEL IDENTIFICATION NO: 42 -30- 2110- 046 -U18, CONTROL #: 42004164 EXHIBIT II s ete r u s ,. PO Box 2008 • Gwd Peplds, MI 49501 -2008 91 7199 9991 7030 0546 2933 - �r+ 02 1M $ 4 .� 0004280442 NOB MAILED FROM ZIP CO 19 lul Ir w ii AN- n afxrn UR 'AnL& 0 r'�vn'du'iinir B C: 495 01Zbt} 08 ?-419-07448— ��;1 ► �?t�c��' #� I;;## III ::I #I# #111111 ## 111 : #� # 1t1 #Iss1i>>lsiilsli :; #;ts# M2:o 0121127 rrrlr!V r1; { _ .4 1 It l se,terusm Physical Address 14523 SW Milliken Way; Suite 200; Beaverton, OR 97005 Business Hours (Pacific Time) Monday- Thursday 5 a.m. to 8 p.m. Friday 5 a.m. to 6 p.m. Payments October 31, 2012 Po Box 7162; Pasadena, CA 91109 -7162 Correspondence CERTIFIED RETURN RECEIPT AND REGULAR FIRST CLASS MAIL PO Box 2008; Grand Rapids, MI 49501 -2008 Phone L178N 866.570.5277 CLOUSER, RICHARD E Fax 617 COLONIAL VIEW RD 866.578.5277 MECHANICSBURG, PA 17055 Website www.seterus.com RE: Loan No.: 8302354 ACT 91 NOTICE ACTION TO SAVE TAB YOUR HOME FROM - -- FORE -CE-O SURE 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 EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEM") may be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. 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 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. (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW. COLORADOATTORNEYGENERAL.GOV /CA. Seterus, Inc. maintains a local office at 355 Union Boulevard, Suite 302, Lakewood, CO 80228. The office's phone number is 888.738.5576. NEW YORK CITY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. Setenu, Inc. is licensed to do business at 14523 SW Millikan Way, Beaverton, OR CLOUSER, RICHARD E Loan No.: 8302354 Page 2 , , October 31, 2012 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 INMDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE 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 REDIMM SU HIPOTECA. HOMEOWNERS' NAME(S): CLOUSER, RICHARD E PROPERTY ADDRESS: 617 COLONIAL VIEW RD MECHANICSBURG, PA 17055 ORIGINAL LENDER: FIRST HORIZON HOME LOAN CORPORATION CURRENT LENDER/SERVICER: Seterus, Inc. 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 PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT "); YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COLORADOATTORNEYGENERAL GOV /CA Seterus, Inc. maintains a local office at 355 Union Boulevard, Suite 302, Lakewood, CO 80228. The office's phone number is 888.738.5576. NEW YORK CITY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. Seterus, Inc. is licensed to do business at 14523 SW Millikan Way, Beaverton, OR. CLOUSER, RICHARD E Loan No.: 8302354 Page 3 , October 31, 2012 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 MEETING MUST OCCUR WITHIN THIRTY -THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE.THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. You must have a face -to -face meeting with one of the designated consumer credit counseling agencies within thirty -three (33) calendar days. 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 (3 0) 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 fof 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 Mortgage Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications `for the program and they will assist you in submitting -a complete application -to the Pennsylvania 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 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 FORCLOSURE' 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. (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW. COLORADOATTORNEYGENERAL.GOV /CA. Seterus, Inc. maintains a local office at 355 Union Boulevard, Suite 302, Lakewood, CO 80228. The office's phone number is 888.738.5576. NEW YORK CITY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of, the Department of Commerce and Insurance. Seterus, Inc. is Iicensed to do business at 14523 SW Millikan Way, Beaverton, OR. CLOUSER, RICHARD E Loan No.: 8302354 Page 4 . October 31, 2012 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 up to date.) NATURE OF THE DEFAULT The MORTGAGE debt held by the above lender on your property located at: 617 COLONIAL VIEW RD MECHANICSBURG, PA 17055 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE REGULAR MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Your loan is delinquent for the following months: September 2012, October 2012 Past Due Installments: Totals Principal $402.14 Interest 465.12 Escrow Installment 545.18 $1,412.44 Other Open Charges: Prior Servicer Chartres Seterus, Inc. Charges Late Charges 0.00 86.72 86.72 Legal/Attorney 0.00 440.82 440.82 Title 0.00 450.00 450.00 Property Inspections 0.00 45.00 45.00 (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW. COLORADOATTORNEYGENERAL .GOV /CA., Seterus, Inc. maintains a local office at 355 Union Boulevard, Suite 302, Lakewood, CO 80228. The office's phone number is 888.738.5576. NEW YORK CITY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. Seterus, Inc. is licensed to do business at 14523 SW Millikan Way, Beaverton, OR. CLOUSER, RICHARD E Loan No.: 8302354 Page 5 October 31, 2012 $1,022.54 Less Suspense (Balance) $117.70 TOTAL AMOUNT PAST DUE $2,317.28 (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW .COLORADOATTORNEYGENERAL.GOV /CA, Seterus, Inc. maintains a local office at 355 Union Boulevard, Suite 302, Lakewood, CO 80228. The office's phone number is 888.738.5576. NEW YORK CITY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. Seterus, Inc. is licensed to do business at 14523 SW Millikan Way, Beaverton, OR. CLOUSER, RICHARD E Loan No.: 8302354 Page 6 October 31, 2012 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 " $2,317.28, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments be made either by cash, cashier's check, certified check or money order made payable and sent to Seterus, Inc. PO Box 7162 Pasadena, CA 91109 -7162 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 will exercise its rights to accelerate the mortEar-e 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 regularly scheduled 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 morteaaed 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 Day 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 W time up to one hour before the Sheriffs Sale. You may do so by Rgying, the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's 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. (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW .COLORADOATTORNEYGENERAL.GOVICA Seterus, Inc. maintains a local office at 355 Union Boulevard, Suite 302, Lakewood, CO 80228. The office's phone number is 888.738.5576. NEW YORK CITY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. Setcrus, Inc. is licensed to do business at 14523 SW Millikan Way, Beaverton, OR CLOUSER, RICHARD E ` Loan No.: 8302354 Page 7 October 31, 2012 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 eight (8) 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 /servicer. HOW TO CONTACT THE SERVICER: Name of Servicer: Seterus, Inc. Address: PO Box 2008; Grand Rapids, MI 49501 -2008 Phone Number: 866.570.5277 Fax Number: 877.649.0743 Contact Person(s): Erica Anson or Margaret Williams E -Mail Address: ExternalCommunications @seterus.com 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 Sheriff s Sale, a lawsuit to remove you and your furnishings and other belon'gitigs could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You _ may or X 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. (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION•OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ;ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW .COLORADOATTORNEYGENERAL.GOV /CA. Seterus, Inc. maintains a local office at 355 Union Boulevard, Suite 302, Lakewood, CO 80228. The office's phone number is 888.738.5576. NEW YORK CrrY: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board-of the Department of Commerce and Insurance. Seterus, Inc. is licensed to do business at 14523 SW Millikan Way, Beaverton, OR. CLOUSER, RICHARD E Loan No.: 83 023 54 Page 8, October 31, 2012 YOU MAY 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. • 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. Enclosed is a list of CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY Sincerely, Seterus, Inc. Enclosures: PHFA list of HEMAP- approved agencies THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HOWEVER, IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT, THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT, BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY. COLORADO: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW. COLORADOATTORNEYGENERAL.GOV /CA. Seterus, Inc. maintains a local office at 355 Union Boulevard, Suite 302, Lakewood, CO 80228. The office's phone number is 888.738.5576. NEW YORK CI'T'Y: 1331537, 1340663, 1340148. TENNESSEE: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance. Seterus, Inc. is licensed to do business at 14523 SW Millilmn Way, Beaverton, OR U.S. Department of Housing and Urban Development (HUD) _ Page 1 of 14 r E3 MONDAY. OCTOBER 01, 2012 Connect with H {YFery ®i © —s e O C * II I * Busque Informacl6n en Espa6ol II�II I= �b Text A A A 9B4YONL� , I Search 1-tUD.gov HUD Approved Housing Counseling Agencies GO BACK This listing Is current as of 10/0112012. Click here to narrow your search. Printer Friendly Version. Agencies located in PENNSYLVANLA Phone, Toll -Free, Agency Name Fax Number, Address Counseling Services Languages Parent Emall, Webshe Organization S24 Franklin - Financial Management /Budget Counseling ADVANTAGE Phone: 888 -511 -2227 Avenue - Mortgage Delinquency and Default Resolution ADVANTAGE CREDIT Tall -free: 888 -511 -2227 A Counseling - English CREDIT Pennsylvania COUNSELING E -mail: mloftus@advantageccs.org - Non - Delinquency Post Purchase Workshops COUNSELING SERVCIE Website: www.cccspa org - Pre- purchase Counseling SERVICE rennl_a� -Vre- purchase Homebuyer Educpljon Workshops 830 Hamilton ALLIANCE FOR Phone: 610 - 439 -7007 Mall _Pre- purchase Counseling - English PENNSYLVANIA BUILDING Fax:610- 439 -78SS ALLENTOWN, - Rental Housing Counseling - Sanish HOUSING FINANCE COMMUNITIES E-mail: m p isldar®housingabe.org Pennsylvania AGENCY 18101 -2422 NEIGHBORHOOD 239 N 10th St - Financial Management/ Budget Counseling HOUSING SERVICES Phone: 610 -437 -4571 - English ALLENTOWN, - Home Improvement and Rehabilitation Counseling NEIGHBORHOOD OF THE LEHIGH E -mail: carolonhsN.org Pennsylvania -Nop- Delinquency Post Purchase Workshops Spanish REINVESTMENT Pen VALLEY Website: www.nhslv.arg 18102-3941 nsylva - Pre- purchase Counseling - p CORPORATION - Pre- purchase Homebuyer Education Workshops 917A Logan - Financial Management /Budget Counseling ADVANTAGE Phone: 888 -511 -2227 Blvd. Royal /Remax - Financial, Budgeting and Credit Repair Workshops ADVANTAGE CREDIT Toll-free: 588 -511 -2227 Plaza - Mortgage Delinquency and Default Resolution CREDIT English COUNSELING E -mail: mloftusll4advantageccs.org Counseling - Eng COUNSELING, ALTOONA, SERVICE Website: www.advantageccs.org Pennsylvania - Pre- purchase Counseling SERVICE 16602 -4025 - Reverse Mortgage Counseling - Fair Housing Pre - Purchase Education Workshops - Financial Management /Budget Counseling - Financial, Budgeting and Credit Repair Workshops - Mortgage Delinquency and Default Resolution Phone:814- 943 -1641 2005 -8th Counseling BLAIR COUNTY Toll -free: 800 -238 -9753 Avenue - Non - Delinquency Post Purchase Workshops COMMUNITY Fax: 814 - 946 -5451 ALTOONA, - Pre- purchase Counseling - English ACTION AGENCY E -mail: Bllile egan*blalrcap.org Pennsylvania. - Pre- purchase Homebuyer Education Workshops - Spanish Website: www.blalrcap.org/ 16602 -2203 - PredatoryLending Education Workshops - Rental Housing Counseling - Rental Housing Workshops - Resolving /Preventing Mortgage Delinquency Workshops - Services for Homeless Counseling 282 East End - Financial Management /Budget Counseling PENNSYLVANIA HOUSING Phone: 724 - 728 -7511 Avenue - Mortgage Delinquency and Default Resolution English HOUSING FINANCE OPPORTUNITIES OF Fax: 724- 728 -7202 BEAVER, Counseling AGENCY BEAVER COUNTY, E- mail: fWlsonghobeinfo org Pennsylvania - Pre- purchase Counseling 1,t+n• / /,rnrn :.1,,,A nr.. r/ r. ff; nAC/ parr /efl,/hrr/hre rfm9�xrPhT. ict Antinn= eParr•.hRreParrhetatp =PA 1(11/9819. U.S. Department of Housing and Urban Development (HUD) Page 2 of 14 k INCOR Website: www.bobdnfb.org 15009 -2808 - Pre- purchase Homebuyer Education Workshops - Financial Management /Budget Counseling COMMUNI7Y Phone: 610 -691 -5620 1337 E. Sth - Mortgage Delinquency and Default Resolution ACTION Toll- free: 866- 847 -4565 Street Counseling COMMITTEE OF Fax 610- 691 -6582 BETHLEHEM, " Non - Delinquency Post Purchase Workshops - English LEHIGH VALLEY, E -mail: asantlagoftaclvorg Pennsylvania "Pre - purchase Counseling - Spanish INC. Website: www.cadv.org 18015 -2103 - Pre- purchase Homebuyer Education Workshops - Predatory Lending Education Workshops - Rental Housing Counseling - Financial Management /Budget Counseling 702 Sawmill - Mortgage Delinquency and Default Resolution Phone: 800 - 922 -9537 Counseling CCC OF CCCS Toil -free: 800- 922 -9537 Road - Non - Delinquency Post Purchase Workshops NORTHEASTERN NORTHEASTERN BLOOMSBURG, _ pre- purchase Counseling - English NOR PENNSYLVANIA Website: www.cccsnepa.arg Pennsylvania - pre - purchase Homebuyer Education Workshops PENNSYLVANIA 17615 -7727 - Rental Housing Counseling - Services for Homeless Counseling - Financial Management/ Budget Counseling Phone: 215 - 563 - 5665 -2 1230 New - Mortgage Delinquency and Default Resolution Ste Counseling CCCS OF Toll -free: 600 -989 -2227 Rogers Rd., CCCS OF Fl - Non- Dellnquency Post Purchase Workshops Cantonese DELAWARE VALLEY, Fax 215 -563 -7020 DELAWARE VALLEY, INC. DBA CLARIFI E-mail: c:ustomerservlce0ccadv.org BRISTOL, - Pre- purchase Counseling - English INC. DBA CLARIFI Website: www.cccsdvorg Pennsylvania -Pre- purchase Homebuyer Education Workshops - Spanish 19007 -7502 - Rental Housing Counseling - Services for Homeless Counseling Phone: 888 -511 -2227 112 Hollywood - Financial Management /Budget Counseling ADVANTAGE Toll-free: 899-51 1-2227 Drive - Financial, Budgeting and Credit Repair Workshops, ADVANTAGE CREDIT Fax: 412- 390 -1329 English Suite 101 - Mortgage Delinquency and Default Resolution CREDIT - COUNSELING E-mail: mloftus@advantageccs.org BUTLER, Counseling COUNSELING SERVICE Webslte: www.advantageccs.org Pennsylvania - Pre- purchase Counseling SERVICE 16001 -5691 - Reverse Mortgage Counseling - Fair Housing Pre - Purchase Education Workshops - Financial Management /Budget Counseling - Financial, Budgeting and Credit Repair Workshops n „ ; Home Improvement and Rehabilitation Counseling - Mortgage Delinquency and Default Resolution HOUSING Phone: 724- 287 -6797 114 Woody Counseling AUTHORITY OF Toll -free: 800 -433 -6327 Drive - Non - Delinquency Post Purchase Workshops - ASL THE COUNTY OF Fax: 724- 267 -7906 BUTLER, - Pre - purchase Counseling - English BUTLER E -mall: rLdeptPhousingauthorlty com Pennsylvania - Pre - purchase Homebuyer Education Workshops Wabsite: www.housingauthorlty.com 16001 -5692 - Predatory Lending Education Workshops - Rental Housing Counseling - Rental Housing Workshops - Resolving /Preventing Mortgage Delinquency Workshops - Services for Homeless Counseling - Home Improvement and Rehabilitation Counseling CHESTER 412 Avenue of - Mortgage Delinquency and Default Resolution Phone: 610- 876 -8663 the States Counseling COMMUNITY - English Fax: 610 -676 -3449 CHESTER, - Non - Delinquency. Past Purchase Workshops IMPROVEMENT E-mail: adpyatt®cammsLnet Pennsylvania - Pre - purchase Counseling - Spanish PROJECT 19013 -4404 - Pre- purchase Homebuyer Education Workshops - Predatory Lending Education Workshops - Financial Management /Budget Counseling - Mortgage Delinquency and Default Resolution Phone: 215 -563 -5665 1003 East Counseling CCCS OF To 11-free: 800 -989 -2227 Lincoln Highway - Non- Delinquenry Post Purchase Workshops CCCS OF DELAWARE VALLEY, COATESVILLE, - Pre - purchase Counseling - English DELAWARE VALLEY, E -mail: usto usto 7020 INC. DBA CLARIFI Fax: 21 G Pennsylvania - Pre - purchase Homebuyer Education Workshops INC. OBA CLARIFI merserNee�cccsdv.org 19320 -3539 - Predatory Lending Education Workshops - Rental Housing Counseling - Services for Homeless Counseling 2506 North - Financial Management /Budget Counseling Phone: 800- 989 - 2227 -2 Broad Street - Mortgage Delinquency and Default Resolution _ CCCS OF Toll -free: 800 -989 -2227 Counseling CCCS OF 100 C DELAWARE VALLEY. Fax: 215 -563 -7020 Suite AR. - Non - Delinquency Post Purchase Workshops Cantonese DELAWARE VALLEY, Pennsylvania INC. DBA CLARIN E-mail: customerserviceacccsdv.org nsyly "Spanish - Pre- purchase Counseling - English INC. DBA CLARIA Website: www.cocsdvorg ania - Pre - purchase Homebuyer Education Workshops 18915 -9439 - Rental Housing Counseling - Reverse Mortgage Counseling U.S. Department of Housing and Urban Development (HUD) Page 3 of 14 - Services for Homeless Counseling Phone: 610 -518 -1522 41 W. Lancaster - Financial Management /Budget Counseling HOUSING - Pre- purchase Counseling Fare: 610 -515 -3221 DOWNINCTOWN, PARTNERSHIP OF - Pre - purchase Homebuyer Education Workshops - English Website: COUNTY E- mall:: www.houslngpartnershipcc.com :e.co m 19335 -2646 Pennsylvania - Predatory Lending Education Workshops - Rental Housing Counseling - Financial Management /Budget Counseling Phone: 215- 348 -8003 60 North Main - Mortgage Delinquency and Default Resolution CREDIT Toll -free: 877- 900 -4222 Street Counseling CREDIT - Non - Delinquency Post.Purchase Workshops COUNSELING Farr. 21S- 349 -5660 DOYLESTOWN, - English COUNSELING Pre- purchase Counseling CENTER E- mail:: www.ccc-credit.com it.com 18901 - 3718 - pre- purchase Homebuyer Education Workshops CENTER Webslte : www.ccc -crclt wm 1 8901 3 71 B - Predatory Lending Education Workshops - Rental Housing Counseling Phone: 866- 232 -9090 - Financial Management /Budget Counseling MONEY Toll -free: BG6 -232 -9080 306 Spring - Mortgage Delinquency and Default Resolution MONEY MANAGEMENT Fax: 8G6- 921 -5129 Garden St Counseling - English MANAGEMENT EASTON; - Non - Delinquency Post Purchase Workshops INTERNATIONAL E-mail: - Spanish INTERNATIONAL FASTON PA counselinginfoomoneymanagemen t.org Pennsylvania - Pre - purchase Counseling INC. Webslte: www.moneymanagementorg . 18042 -3552 - Pre - purchase Homebuyer Education Workshops - Rental Housing Counseling - Financial Management /Budget Counseling NORTHERN TIER Phone: 814 - 486 -1161 135 W 4th St - Mortgage Delinquency and Default Resolution COMMUNITY Fax:814- 486 -0825 EMPORIUM, Counseling ACTION E -mail: ken.straub@ntcac.org Pennsylvania - Pre - purchase Counseling - English CORPORATION Website: www.ntac.org/ 15834 -1123 - Predatory Lending Education Workshops - Rental Housing Counseling - Services for Homeless Counseling 4402 Peach - Financial Management /Budget Counseling ADVANTAGE Phone: BSS -511 -2227 Street - Financial, Budgeting and Credit Repair Workshops ADVANTAGE CREDIT Toll -free: 868 -511 -2227 ERiE, - Mortgage Delinquency and Default Resolution - English CREDIT COUNSELING E-mail: mloftus@advantageccs.org Pennsylvania Counseling COUNSELING SERVICE Website: www.advantageccs.org 16509 -1359 - Pre - purchase Counseling SERVICE - Reverse Mortgage Counseling - Financial Management /Budget Counseling Phone: 814 - 459 -2761 -222 312 Chestnut St - Financial, Budgeting and Credit Repair Workshops PENNSYLVANIA BAYFRONT NATO, Fax: 814- 455 -2743 ERiE, - Mortgage Delinquency and Default Resolution - English HOUSING FINANCE INC. E-mail: Jcsmikcfaol.com Pennsylvania Counseling AGENCY Webslte: www.bayfrontnate.org 16507 -1222 - Rental Housing Counseling - Rental Housing Workshops - Financial Management/ Budget Counseling - Financial, Budgeting and Credit Repair Workshops 18 W 9th St - Mortgage Delinquency and Default Resolution GREATER ERIE Phone: 814- 459 -4581 ERIE, Counseling - English a COMMUNITY E -mail: slong0gec.org - Pre - purchase Counseling - Russian ACTION AGENCY Website: www.geac.org Pennsylvania _ Pre- purchase Homebuyer Education Workshops - Spanish 16501 -1343 _ Predatory Lending Education Workshops - Rental Housing Counseling - Services for Homeless Counseling - Financial Management /Budget Counseling - Home Improvement and Rehabilitation Counseling - Mortgage Delinquency and Default Resolution Phone: 814 -452 -6113 Counseling Toll -free: 000 -000 -0000 1701 Parade St - Non - Delinquency Post Purchase Workshops SAINT MARTIN Erie, - Pre- purchase Counseling - English CENTER, INC Fax: dpe ost r.org Gh Pennsylvania - Pre - purchase Homebuyer Education Workshops - Other E-mail: l: 16503+1956 - Predatory Lending Education Workshops Website: : www QDSt wwstmartIncenter Uncenterarg/ - Rental Housing Counseling - Resolving /Preventing Mortgage Delinquency Workshops - Services for Homeless Counseling 601 Indiana Ave Phone: 724- 981 - 5310 -i S Farrell, PA - Mortgage Delinquency and Default Resolution SHENANGOVALLEY Fax: 724 -951 -1544 16121 Counseling - English NATIONALURBAN URBAN LEAGUE E-mail: hs9svulmrreohlo.twcbecom FARRELL. - Pre- purchase Counseling - Spanish LEAGUE Website: wwwsvul.o►g Pennsylvania - Rental Housing Counseling 16121 -1759 - Financial Management /BudgetCounseling ADVANTAGE Phone: 888 -511 -2227 One Northgate - Financial, Budgeting and Credit Repair Workshops ADVANTAGE CREDIT Toll -free: 888 -511 -2227 Square - Mortgage Delinquency and Default Resolution CREDIT Lw.....//. - ....1,­A A, _1..4U /11.n,n/L. _4%_'). n L. T A _ti­nnnrnl, 1 (1/1 MAI1) U.S. Department of Housing and Urban Development (HUD) Page 4 of 14 COUNSELING E-mail: mloftus®advantageccs.org GREENSBURG. Counseling COUNSELING SERVICE Website: www.advantageces.org Pennsylvania - Pre - purchase Counseling - English SERVICE 1SG01 -1341 - Reverse Mortgage Counseling WESTMORELAND Phonc: 724 -834 -1260 226 S Maple Ave COMMUNITY Fax: 724 -838 -9563 GREENSBURG. - Pre - purchase Counseling - English ACTION E-mail: nhughesowestmorelanda.org Pennsylvania - Pre - purchase Homebuyer Education Workshops Website:www.westmorelanda.org 15601 -3234 Phonc: 888 -511 -2227 2000 - Financial Management /Budget Counseling ADVANTAGE Toll-free: 888- 599 -2227 Linglestown - Financial, Budgeting and Credit Repair Workshops ADVANTAGE CREDIT Fax: 717- 540 -4670 English Road - Mortgage Delinquency and Default Resolution CREDIT - COUNSELING E-mail: mloftusPadvantagetxs.org HARRISBURG, Counseling COUNSELING SERVICE Webslte: www.cccspa.org Pennsylvania - Pre- purchase Counseling SERVICE 17110-9367 - Reverse Mortgage Counseling - Fair Housing Pre - Purchase Education Workshops - Financial Management /Budget Counseling FAIR HOUSING Phone: 717-238-9540 2100 North 6th - Mortgage Delinquency and Default Resolution COUNCILOFTHE Fax:717- 233 -5001 Street Counseling PENNSYLVANIA CAPITAL REGION, E -mail: hfhc®commst.net HARRISBURG, - Non - Delinquency Post Purchase Workshops - English HOUSING FINANCE INC Website: wwnv.pafalrhousinig.org Pennsylvania - Pre - purchase Counseling AGENCY 17110 -2401 - Pre - purchase Homebuyer Education Workshops - Predatory Lending Education Workshops - Rental Housing Counseling Phone: 717- 780 -3907 211 North Front PENNSYLVANIA Street Toll -free: 800 - 342 -2397 HARRIS 'Mortgage Delinquency and Default Resolution - English HOUSING FINANCE BURG, AGENCY Fax: 717-780-3872 HARRISBURG, Counseling - Spanish E-mail: sredmondQaphfaorg 17101 -1406 - Financial Management /Budget Counseling 61 S. Church - Mortgage Delinquency and Default Resolution Phone: 800- 922 -9537 Counseling OR E Toll -free: 800 -922 -9537 Street - Non - Delinquency Post Purchase Workshops CCCS NORTHEASTERN HAZLETON, _pre- purchase Counseling - Engilsh NORTHEASTERN PENNSYLVANIA Webslte: www.cccsnepa arg Pennsylvania - Pre - purchase Homebuyer Education Workshops PENNSYLVANIA 1 5201 -6231 _ Rental Housing Counseling - Services for Homeless Counseling Phone:412- 464 - 4000 -4026 303 -305 E. 8th - Mortgage Delinquency and Default Resolution MON VALLEY Fax: 412-464-1750 Avenue Counseling INITIATIVE E-mail: dhodge ®monvalleylnldative.com HOMESTEAD, - Pre- purchase Counseling - English Website: www.monvalleylnitlat[ve.com Pennsylvania - Pre - purchase Homebuyer Education Workshops 15120 -1517 - Rental Housing Counseling Phone: 412- 464 - 4000 -4005 3031305 East - Home Improvement and Rehabilitation Counseling MON VALLEY Fax: 412 -464 -1750 Eighth Avenue - Mortgage Delinquency and Default Resolution MON VALLEY INITIATIVE E -mail: mmauergmorrvalleylnitiative.com Homestead, Counseling - English INITIATIVE Pennsylvania - Non - Delinquency Post Purchase Workshops Website: www.monvalleyinRlative.com 15120 -1517 - Pre- purchase Counseling - Financial Management /Budget Counseling 232 Sunrise - Mortgage Delinquency and Default Resolution Phone:800- 922 -9537 Avenue Counseling CCCS OF CCCS OF Toll -free: 800 - 922 -9537 Rte. 191 - Non - Delinquency Post Purchase Workshops NORTHEASTERN HONESDALE, - Pre - purchase Counseling - English NORTHEASTERN PENNSYLVANIA PENNSYLVANIA Website: www ectsnepa.org Pennsylvania - Pre - purchase Homebuyer Education Workshops 18431 -1085 - Rental Housing Counseling - Services for Homeless Counseling INDIANA COUNTY phone: 724 - 465- 2657 -239 827 Water St _ Mortgage Delinquency and Default Resolution COMMUNITY INDIANA Fax: 724 -465 -5118 , Counseling - English ACTION PROGRAM, E-mail: rfoster@lcap.net Pennsylvania - Pre- purchase Counseling. iNCO 15701 -1755 - Financial Management /Budget Counseling 261 Old York - Mortgage Delinquency and Default Resolution Phonc 800 - 989 - 2227 -2 Road Counseling CCCS OF Toll -free: 800- 989 -2227. Pavilion - Non - Delinquency Post Purchase Workshops CCCS OF DELAWARE VALLEY, Fax: 215 -563 -7020 Suite 401 - Pre - purchase Counseling Cantonese DELAWARE VALLEY, INC. DBA CLARIA E -mail: customerserviceftccsdv org JENKINTOWN, - Pre - purchase Homebuyer Education Workshops - English INC. DBA CLARIFI Website: www.cccsdvorg Pennsylvania - Rental Housing Counseling - Spanish 19046 -3706 - Reverse Mortgage Counseling - Services for Homeless Counseling 453 S. Lime St. - Home Improvement and Rehabilitation Counseling SACA Phone: 717- 399 -4292 Suite B - Mortgage Delinquency and Default Resolution DEVELOPMENT Fax: 717- 431 -4009 LANCASTER, Counseling - English MON VALLEY .. .. • . i nn• n i n n n. __ _r..__t�____t_T i_.. _.'-------- L 0-- - ---11 -4.a„_7)A 1 /1 /,)nil ` U.S. Department of Housing and Urban Development (HUD) Page 5 of 14 CORP E -mail• rglover@sacapa.org Pennsylvania - Non - Delinquency Post Purchase Workshops - Spanish INITIATIVE Website: www.sacapa.org 17602 -3649 - Pre- purchase Counseling - Predatory Lending Education Workshops - Financial Management /Budget Counseling - Mortgage Delinquency and Default Resolution Phone: 717- 397 -5182 Counseling TABOR Toll -free: 800 -788 -5062 308 E King St - Non - Delinquency Post Purchase Workshops COMMUNITY Fax: 717- 399 -4127 LANCASTER, - Pre - purchase Counseling - En gilsh SERVICES, INC E-mail: Info@taborneLcrg Pennsylvania - Pre- purchase Homebuyer Education Workshops - Spanish Website: www.tabomet.org 17602 -5013 - Predatory Lending Education Workshops - Rental Housing Counseling - Reverse Mortgage Counseling - Services for Homeless Counseling - Financial Management /Budget Counseling Phone: 215- 348 -8003 - Mortgage Delinquency and Default Resolution 8130 Rte. 13 Counseling CREDIT Toll-free: 877-900-4222 CREDIT Levittown, - Non - Delinquency Post Purchase Workshops COUNSELING Fax: 21 S- 348 -8660 - English COUNSELING Pennsylvania -Pce- purchase Counseling CENTER E-mail: t@ecc -e I L CENTER co om 19037 - Pre - purchase Homebuyer Education Workshops Website : www www.ccraedlLCOm - Predatory Lending Education Workshops - Rental Housing Counseling - Fair Housing Pre - Purchase Education Workshops - Financial Management /Budget Counseling -Financial, Budgeting and Credit Repair Workshops -Home Improvement and Rehabilitation Counseling CENTER FOR Phone: 814- 573 -2790 213 W Center St - Mortgage Delinquency and Default Resolution FAMILYSERVICES, Fax: 814- 337 -8457 MEADVILLE. Counseling - English INCORPORATED E-mail: cfslne@wlndstmam.net Pennsylvania - Pre - purchase Counseling Website: www.thecenter- nwpa.org 16335 -3406 - Pre - purchase Homebuyer Education Workshops - Rental Housing Counseling - Resolving /Preventing Mortgage Delinquency Workshops - Services for Homeless Counseling Financial Management /Budget Counseling _ - Mortgage Delinquency and Default Resolution Phone: 215- 563 - 5665 -2 280 N. Counseling _ CCCS OF Toll -free: 80D -989 -2227 Providence Road - Non - Delinquency Post Purchase Workshops CCCS OF DELAWARE VALLEY. Fax: 215 -563 -7020 MEDIA. - Pre - purchase Counseling Cantonese DELAWARE VALLEY, INC. 013A CLARIFI E -mail: customerservlce@cccsdv.org Pennsylvania - Pre- purchase Homebuyer Education Workshops - English INC. DBA CLARIFI Website: www.cccsdvorg 19063 -3527 - Rental Housing Counseling - Spanish - Reverse Mortgage Counseling - Services for Homeless Counseling Phone: 610 -565 -0434 - Mortgage Delinquency and Default Resolution Fax: 610-565-6567 302 S. Jackson Counseling_ MEDIA FELLOWSHIP E-mail: MEDIA, - Non - Delinquency Post Purchase Workshops _ English HOUSE Pennsylvania. - Pre - purchase Counseling medlafellowshlphouse@gmall.eom Website: www.medl medlafellowshiphouse@gmalf.com org 19063 -3714 - Pre - purchase Homebuyer Education Workshops - Predatory Lending Education Workshops Phone: 570 -278 -5238 10 Public - Mortgage Delinquency and Default Resolution Toll -free: 500 -9S2 -4045 Avenue Counseling TREHAB Fax: 570 -279 -1889 MONTROSE. _ Non - Delinquency Post Purchase Workshops - English E-mail: cstams@trehab.org Pennsylvania _ Pre- purchase Counseling Website:www.trehab.org 18801 -1220 - Fair Housing Pre - Purchase Education Workshops Phone:21S- 295 - 7195 -1108 2 South Delmorr - FinancialManagement /BudgetCounseling - Mortgage Delinquency and Default Resolution - English Toll -free: 800 -501 -7526 Avenue PENNSYLVANIA AMERICAN CREDIT Counseling - French ALLIANCE E-mail: 5-428 -6746 M Pennsylvania - Non - Delinquency Post Purchase Workshops - Russian HOUSING FINANCE Info@501plan.org Pennsylvania _pce- purchase Counseling - Spanish AGENCY Website: www.501 plan.arg 19067 -7105 - pre- purchase Homebuyer Education Workshops - Predatory Lending Education Workshops LAWRENCE Phone: 724 - 658 -7258 241 W. Grant - Mortgage Delinquency and Default Resolution Street Counseling COUNTY SOCIAL Fax: 724 -658 -7664 NEW CASTLE, - Pre - purchase Counseling - English SERVICES, E -mall:: www.l=p.org Pennsylvania - Rental Housing Counseling -Other INCORPORATED Webslte:w,wvlecap.org 16101 -2212 - ServicesforHomelessCounseling - Financial Management /Budget Counseling - Financial, Budgeting and Credit Repair Workshops 2324 Second - Mortgage Delinquency and Default Resolution Phone: 215- 598 -3566 Street Pike Ste Counseling Siff-n- / /vxmxn%rhim M/l /9012 U.S. Department of Housing and Urban Development (HUD) Page 6 of 14 } Fax. 215 -598 -9812 17 - Pre- purchase Counseling E-mail: Infbobehg.org Newtown, - Pre - purchase Homebuyer Education Workshops BUCKS COUNTY Webslte: www.bchg.arg Pennsylvania - Rental Housing Counseling 18940 +4110 - Rental Housing Workshops - English HOUSING GROUP - Resolving/ Preventing Mortgage Delinquency Workshops - Services for Homeless Counseling 190 CCCS OF Phone:610- 272 -0578 Germantown - Mortgage Delinquency and Default Resolution CCCS OF DELAWARE VALLEY, Toll -free: 800 - 989 -2227 Pike, Suite 140 Counseling - English DELAWARE VALLEY, INC. DBA CLARIN E -mail: customerservlce@=csdv.org NORRISTOWN. - Pre- purchase Counseling INC. DBA CLARIN Website: www.c=dv.org Pennsylvania - Rental Housing Counseling 19401 -1385 208 DeKalb Phone:610- 275 -4357 Street PENNSYLVANIA GENESIS HOUSING Fax: 610- 275 -1357 2nd floor - Pre - purchase Counseling - English HOUSING FINANCE CORPORATION E -mail: Info@genesishousing.org NORRISTOWN, AGENCY Webslte:www.genesishousing.org Pennsylvania 19401 -4904 - Fair Housing Pre - Purchase Education Workshops 846 N. Broad - Financial Management /Budget Counseling AFFORDABLE Phone: 215 -765 -1221 Street - Financial, Budgeting and Credit Repalr Workshops HOUSING CENTER Fax: 21 5- 765 -0045 First Floor - Mortgage Delinquency and Default Resolution _ English MISSION OF PEACE OF PENNSYLVANIA E -mail: dtommey0ahcopa org PHILADELPHIA, Counseling Website: Pennsylvania - Pre- purchase Counseling 19130 -2234 - Pre - purchase Homebuyer Education Workshops - Predatory Lending Education Workshops 600 W. Diamond - Mortgage Delinquency and Default Resolution ASOCIACION DE Phone:215 -235 -6070 Street Counseling . NATIONAL Fax: 215- 235 -7335 - Non - Delinquency Post Purchase Workshops - English COUNCIL OF LA EN MARCHA Pennsylvania RRIQUENOS E -mail: evelyn.apante®apmphlbucirg PHILADELPHIA, - Pre- purchase Counseling - Spanish �� EN AR Website: www.apmphila.org _ Pre - purchase Homebuyer Education Workshops 19122 -1402 - Predatory Lending Education Workshops 1608 Walnut St - Financial Management /Budget Counseling r FI 10 - Mortgage Delinquency and Default Resolution Phone: 215 -563 -5665 Philadelphia, PA Counseling 19103 - Non - Delinquency Post Purchase Workshops - Chinese •NATIONAL CCCS OF Toll-free: 800- 969 -2227 VALLEY, Fax free: 8 3 -7020 AUTOMATED - Pre- purchase Counseling Mandarin FOUNDATION FOR DELAWARE VALL - 563 - ersr111.org ACCT INFO - Pre- purchase Homebuyer Education Workshops - English CREDIT INC. DBA E CLARIFI LL E-mail: https://www.clarifl.arg a ce®cla 0claorg 888.989.2227 - Predatory Lending Education Workshops - Spanish COUNSELWG, INC. Website: Philadelphia, - Rental Housing Counseling Pennsylvania - Reverse Mortgage Counseling 19103 -5451 - Services for Homeless Counseling - Financial Management /Budget Counseling Phone: 800 -989- 2227 -2 7340 Jackson - Mortgage Delinquency and Default Resolution CCCS OF Toll -free: 800- 989 -2227 Street Counseling _ CCCS OF - Pre - purchase Counseling OEiAWARE VALLEY, Fax: 215- 563 -7020 PHILADELPHIA, _prc- purchase Homebuyer Education Workshops Cantonese DELAWARE VALLEY, INC. DBA CLARIFI E -mail: customerservlce@cccsdv.crg Pennsylvania - English INC. DBA CLARIFI Website: www.cccsdv.org 19136 -4008 - Rental Housing Counseling - Reverse Mortgage Counseling - Services for Homeless Counseling Financial Management /Budget Counseling - Mortgage Delinquency and Default Resolution 4400 N REESE Counseling CCCS OF phone: 215 -566 -5335 STREET - Non - Delinquency Post Purchase Workshops CCCS OF DELAWARE VALLEY, E-mail: customerservlce @ cccsdvorg PHILADELPHIA, - Pre - purchase Counseling - English DELAWARE VALLEY, INC. DBA CLARIFI Pennsylvania - Pre - purchase Homebuyer Education Workshops INC. DBA CLARIFI 19140 -2311 - Predatory Lending Education Workshops - Rental Housing Counseling - Services for Homeless Counseling 705 N. Franklin - Fair Housing Pre - Purchase Education Workshops Street - Mortgage Delinquency and Default Resolution _ English NUEVA ESPERANZA, E -mail: annate a -3100 CONCILIO Phone 2 u PHILADELPHIA. Counseling g aunnatea.grove@efeondilo.net -Spanish INC. Pennsylvania - Pre- purchase Homebuyer Education Workshops 19123 -2707 - Rental Housing Counseling - Mortgage Delinquency and Default Resolution CONGRESO DE 216 W Somerset Counseling - English NATIONAL COUNCIL OF LA LATINOS UNIDOS Phone: 215 -763 -8870 St. - Non - Delinquency Post Purchase Workshops - p RATA Spanish Fax: 215 -291 -0561 PHILADELPHIA, - Pre - purchase Counseling E-mail: santlagome@congreso.net Pennsylvania - Pre- purchase Homebuyer Education Workshops - C�n_- .- LT.- 4A.a: -------- U0 ------ b...4-.. +e —DA ,I nnJ)nll) U.S. Department of Housing and Urban Development (HUD) Page 7 of 14 Website: www.congreso net 19133 -3534 - Predatory Lending Education Workshops - Rental Housing Counseling - Services for Homeless Counseling DCS /Dixon _ Financial Management /Budget Counseling DIVERSIFIED House _ Mortgage Delinquency and Default Resolution COMMUNITY Phone: 215- 336 - 3511 -317 1920 S. 20th Counseling - English MON VALLEY SERVICES / DIXON Fax: 215 -551 -4327 Street - Pre - purchase Counseling - Spanish INITIATIVE HOUSE E -mail: dgrimesedesphlla.org PHILADELPHIA. _ Rental Housing Counseling Pennsylvania - Services for Homeless Counseling 19145 -2820 - Financial Management/ Budget Counseling - Home Improvement and Rehabilitation Counseling Phone 215- 324 -0746 4261 North 5th - Mortgage Delinquency and Default Resolution Street Counseling - English NUEVA ESPERANZA, ESPERANZA Fax: 215- 967 -1018 PHILADELPHIA, - Non - Delinquency Post Purchase Workshops 9 E-mail: esperanza us Pennsylvania - Pre - purchase Counseling - Spanish INC. Website : www. ww.eseer peranza us 19140 -2615 - Pre - purchase Homebuyer Education Workshops - Predatory Lending Education Workshops - Rental Housing Counseling Cambodian - Fair Housing Pre - Purchase Education Workshops Cantonese - Financial Management/ Budget Counseling - Chinese GREATER 4943 North 5th - Home Improvement and Rehabilitation Counseling Mandarin PHILADELPHIA Phone: 215 -456 -1662 Street - Non - Delinquency Post Purchase Workshops - Creole ASIAN SOCIAL Fax: 215 -456 -1664 PHILADELPHIA, - Pre - purchase Counseling - English E -mail: gpasscenter ®wmtast.net -Pre- purchase Homebuyer Education Workshops - French SERVICE CENTER Website: www.gpasspa.org Pennsylvania - Predatory Lending Education Workshops - Hindi (GPASS) 19120 -3809 - Rental Housing Counseling - Korean - Rental Housing Workshops - Other - Services for Homeless Counseling - Polish - Spanish Vietnamese - Fair Housing Pre- Purchase Education Workshops - Financial Management /Budget Counseling 167 W Allegheny - Financial, Budgeting and Credit Repair Workshops HISPANIC Phone: 215 -426 -8025 Ave - Home Improvement and Rehabilitation Counseling ASSOCIATION OF Suite 200 - Mortgage Delinquency and Default Resolution - English Website: www.asite.com E-mail: mgonzase ltcom e.com laorg PHILADELPHIA, Counseling - Spanish AND ENTERPRISES Pennsylvania - Non - Delinquency Post Purchase Workshops 19140 -5846 - Pre - purchase Counseling - Pre - purchase Homebuyer Education Workshops - Rental Housing Counseling - Financial Management /Budget Counseling _ Arabic - Home Improvement and Rehabilitation Counseling 4225 Chestnut - Delinquency and Default Resolution Cambodian INTERCULTURAL Phone: 215- 386 -1298 Street Counseling - Chinese FAMILY SERVICES, E- maik-myra brawn9ftinc -org . PHILADELPHIA, - Non - Delinquency Post Purchase Workshops Mandarin INCORPORATED Website: www.ifslnc.org Pennsylvania _ Pre- purchase Counseling - French 19104 -3014 - Pre - purchase Homebuyer Education Workshops - - Predatory Lending Education Workshops Portuguese - Rental Housing Counseling - Spanish - Services for Homeless Counseling - Home Improvement and Rehabilitation Counseling Cambodian 6053 -SS North - Mortgage Delinquency and.Default Resolution - Chinese KOREAN Phone:215- 276 - 8830 -30 Counseling Mandarin COMMUNITY Fax: 215- 224 -8150 5th Street _ Non - Delinquency Post Purchase Workshops - English DEVELOPMENT E-mail: ckan*koreancenter.org PHILADELPHIA, _ pre - purchase Counseling - Korean SERVICES CENTER Website: www.koreancenter.org Pennsylvania - Pre- purchase Homebuyer Education Workshops - Other 19120 -1848 _ Predatory Lending Education Workshops - Spanish - Rental Housing Counseling - Vietnamese Fair Housing Pre - Purchase Education Workshops Financial Management /Budget Counseling MT. AIRY, U S A 6703 -Home Improvement and Rehabilitation Counseling -English Phone: 215 -844 -6021 Germantown - Mortgage Delinquency and Default Resolution Fax:215- 844 -9167 Ave - Suite 200 Counseling E -mail: sbutler@mtairvusa.org PHILADELPHIA, - Non - Delinquency Post Purchase Workshops 1,+M• / /,:n:n:r1,,,A nnv /n nr�e/ hen/ efh/ hrr/ hrerfm9txrPhT. ietAnfinn= aaarrh.Q�cPatnhctatP =PA 1Wi/7019. U.S. Department of Housing and Urban Development (HUD) Page 8 of 14 Website: www.mtalryusa org Pennsylvania - Pre - purchase Counseling 19119 -2109 - Pre - purchase Homebuyer Education Workshops - Predatory Lending Education Workshops - Fair Housing Pre - Purchase Education Workshops NACA 1341 N. - Financial Management /Budget Counseling NACA (NEIGHBORHOOD Phone: 215 -531 -5221 Delaware Ave - Mortgage Delinquency and Default Resolution (NEIGHBORHOOD ASSISTANCE Toll -free: 888 -297 -SS68 Suite 312 Counseling - English ASSISTANCE CORPORATION OF E-mail: pflerroOnaa.com PHILADELPHIA, - Non- Dellnquency Post Purchase Workshops CORPORATION OF AMERICA) Website: www.naca.com Pennsylvania - Pre - purchase Counseling AMERICA) PHILADELPHIA, PA 19125 -4300 - Pre - purchase Homebuyer Education Workshops - Predatory Lending Education Workshops - Mortgage Delinquency and Default Resolution 2513 -15 Counseling - English NEW KENSINGTON phone: 215- 427 -0350 Frankford Ave - Non - Delinquency Post Purchase Workshops - Korean COMMUNITY E-mail: aczalka ®nkcdc.org PHILADELPHIA, - Pre - purchase Counseling - Polish MON VALLEY DEVELOPMENT Website: wwwAsite.com Pennsylvania - Pre- purchase Homebuyer Education Workshops - Spanish INITIATIVE CORPORATION 19125 -1708 - Predatory Lending Education Workshops - Ukrainian - Rental Housing Counseling - Fair Housing Pre - Purchase Education Workshops - Financial Management /Budget Counseling - Home Improvement and Rehabilitation Counseling 215- 324 -7500 5001 N Broad St - Mortgage Delinquency and Default Resolution Phone NORTHWEST Pho 324 -8753 PHILADELPHIA, Counseling - PENNSYLVANIA 5 COUNSELING - Non - Delinquency Post Purchase Workshops Cambodian HOUSING FINANCE E -mail: - 324 -8753 om Pennsylvania SERVICE Website: www.nwcsonllne.com 19141-2217 Pennsylvania - Pre- purchase Counseling - English AGENCY - Pre - purchase Homebuyet Education Workshops - Predatory Lending Education Workshops - Rental Housing Counseling - Services for Homeless Counseling - Fair Housing Pre - Purchase Education Workshops - Financial Management/Budget Counseling Phone: 215- 324- 0746 -239 4261 North 5th - Mortgage Delinquency and Default Resolution Street Counseling - English NUEVA Fax: 215- 324 -2542 NUEV ANZA, INC. E-mail: - 324 - re111Q�esperanza us PHILADELPHIA, - Non - Delinquency Post Purchase Workshops - French Pennsylvania - Pre - purchase Counseling - Spanish Website: www.t s'pdiania tis' 119'140 -2615 - Pre - purchase Homebuyer Education Workshops - Predatory Lending Education Workshops - Rental Housing Counseling 1315 Walnut St - Arabic PENNSYLVANIA Phone:21S- 940 -3901 3rd Floor _ COMMUNITY REAL E -mail: phll.lorcifturtum.net Philadelphia, - Rental Housing Counseling Cambodian ESTATE CORP. Website: www.rturn.net Pennsylvania - English 19107+4719 PHILADELPHIA Phone: 215 - 922 -21 S6 301 -30S N. 9th - Financial Management /Budget Counseling - CHINATOWN Fax: 215- 922 -7232 Street - Mortgage Delinquency and Default Resolution Cantonese PHILADELPHIA, Counseling - Chinese NATIONAL CAPACD DEVELOPMENT E-mail: Jchln@chlnatown- pcd4arg Pennsylvania - Pre- purchase Counseling Man CORPORATION Website: wvw/.chlnatown- pcdc.org 19107-1409 -Prc- purchase Homebuyer Education Workshops - English glish - Financial Management /Budget Counseling - Home improvement and Rehabilitation Counseling PHILADELPHIA Phone: 215 -567 -7803 1617 JFK Blvd - Mortgage Delinquency and Default Resolution NATIONAL COUNCIL FOR Fax: 215- 963 -9941 Ste 1 550 Counseling - English COMMUNITY COMMUNITY E -mail: housinghelp0phllapoca.org Philadelphia, - Non - Delinquency Post Purchase Workshops - Spanish REINVESTMENT ADVANCEMENT Website: www.pccahousing.org Pennsylvania - Pre - purchase Counseling COALITION, INC. 19103 +1828 - Pre - purchase Homebuyer Education Workshops - Rental Housing Counseling - Reverse Mortgage Counseling 4020 Market - Financial Management /Budget Counseling Phone: 21 S- 662 - 1612 -24 Street - Mortgage Delinquency and Default Resolution THE PARTNERSHIP Fax: 215- 662 -1703 PHILADELPHIA, g Counseling - English CDC E -mail: sscottftepartnershlpcdc org - Non - Delinquency Post Purchase Workshops Website: www.thapartnershipcdc.org Pennsylvania - Pre- purchase Counseling 19104 -3003 - Pre - purchase Homebuyer Education Workshops 112 N Broad St . UNEMPLOYMENT Phone: 215 -SS7 -0822 11th Floor - Mortgage Delinquency and Default Resolution _ English INFORMATION E -mail: erodrlguezophllapup.org PHILADELPHIA, Counseling - Spanish CENTER Website: www.philaup.org Pennsylvania - Predatory Lending Education Workshops 19102 -1512 - Home Improvement and Rehabilitation Counseling - Mortgage Delinquency and Default Resolution Cambodian ` U.S. Department of Housing and Urban Development (HUD) Page 9 of 14 2029 S. Sth Counseling - English UNITED phone: 215- 467 - 8700 -19, Street - Non - Delinquency Post Purchase Workshops - COMMUNITiES Fax: 21 5-467 -1042 PHILADELPHIA, - Pre- purchase Counseling Indonesian MON VALLEY SOUTHEAST E-mail: davtdseng®ucsep.org Pennsylvania "Pre- purchase Homebuyer Education Workshops - Korean INITIATIVE PHILADELPHIA 19145 -2440 -Predatory Lending Education Workshops = Other - Rental Housing Counseling - Spanish Phone: 215 -955- 3220 -203 121 S Broad - Mortgage Street 10th floor Delinquency ncy and Default Resolution URBAN LEAGUE OF Fax: 215 -451 -5006 Counseling NATIONAL URBAN PHILADELPHIA E-mail: Infoettrbanleaguepfilla org PHILADELPHIA, _ Pre- purchase Counseling - English LEAGUE Pennsylvania Website: www.urbanleagueofphila.arg 19107 -4533 _ Rental Housing Counseling - Financial Management /Budget Counseling - Home Improvement and Rehabilitation Counseling Phone:21 5- 224 -0580 7300 -02 - Mortgage Delinquency and Default Resolution WEST OAK LANE Ogontz Ave. Counseling COMMUNITY Fax: TSt 4 -5746, ordrcOAR PHILADELPHIA, - Non - Delinquency Post Purchase Workshops Website; - English DEVELOPMENT E-mail: l:; www.oarcphlllyorg y.org y.org Pennsylvania - Pre- purchase Counseling 19138 -1306 - Pre- purchase Homebuyer Education Workshops - Predatory Lending Education Workshops - Rental Housing Counseling 425 6th Ave _ Financial Management /Budget Counseling ACTION- HOUSING, Phone: 412- 281 -2102 Suite 950 _ Mortgage Delinquency and Default Resolution HOUSING INCORPORATED E-mail: aburkhartoactionhousing.org PITTSBURGH, Counseling - English PARTNERSHIP Website: www.aslte.com Pennsylvania _pre- purchase Counseling NETWORK IS219 -1819 2403 Sidney - Financial Management /Budget Counseling ADVANTAGE Budgeting Re Phone: 866- 699 -2227 Street - Financial, Bud etin and Credit air Workshops NATIONAL P CREDIT Toll -free: 566- 699 -2227 River Park - Mortgage Delinquency and Default Resolution FOUNDATION FOR COUNSELING Fax: 412- 390 -1335 Commons - English Counseling CREDIT E -mail: Info0advantageccs.org PITTSBURGH, SERVICE Website: www.advantageccs.org Pennsylvania " Peverse Mortgage Counseling COUNSELING, INC. 15203 -2167 -Reverse Mortgage Counseling _ 2540 Liberty - Fair Housing Pre - Purchase Education Workshops FAIR HOUSING Phone: 412 -391- 2535 -201 Avenue - Pre- purchase Counseling PARTNERSHIP OF Fax:412 -391 -2647 " F Suite 205 ' Pre- purchase Homebuyer EducatloruWorkshops. .English MON VALLEY GREATER E -mail: peteroplttsburghfalrhousing.org PITTSBURGH, - Predatory Lending Education Workshops - French INITIATIVE PITTSBURGH, INC. Website :www.plttsbu,rghfalrhousing.org Pennsylvania " Rental Housing Counseling - Spanish 15222 -4775 " Rental Housing Workshops -Services for Homeless Counseling 265 eelledue "Home Improvement and Rehabilitation Counseling Phone-.412-931-1039-1320 Road - Mortgage Delinquency and Default Resolution NAZARETH Fax: 412 -931 -7255 Counseling MON VALLEY HOUSING SERVICES E -mail: bvandivlergchfmanor org PR , - Pre - purchase Counseling - English INITIATIVE Website: www.chfmanor.org Pennsylvania _ Pre- purchase Homebuyer Education Workshops 15229 -2173 _ Rental Housing Counseling NEIGHBORWORKS - Financial Management /Budget Counseling WESTERN 710 5th Ave - Mortgage Delinquency and Default Resolution PENNSYLVANIA, Phone: 412 - 281 -9773 Suite 1000 Counseling NEIGHBORHOOD FORMERLY E -mail: dnewsomonwwpa.org PITTSBURGH, - Non - Delinquency Post Purchase Workshops - English REINVESTMENT NEIGHBORHOOD Website: www.nwwpa org Pennsylvania - Pre- purchase Counseling CORPORATION HOUSING 15219 -3003 - Pre - purchase Homebuyer Education Workshops SERVICES, INC. - Predatory Lending Education Workshops - Mortgage Delinquency and Default Resolution Phone:412- 227 -4163 610 Wood Street Counseling URBAN LEAGUE OF Fax: 412- 471 -6199 PITTSBURGH, _ Non - Delinquency Post Purchase Workshops _ English NATIONAL URBAN GREATER - Pre - purchase Counseling PITTSBURGH Website E-mail: www.ulpgh.org ulpg .or g Pennsylvania - Pre - purchase Homebuyer Education Workshops "Spanish LEAGUE ulpghorg 15222 -2510 - Predatory Lending Education Workshops - Rental Housing Counseling - Financial Management /Budget Counseling 401 Laurel St - Mortgage Delinquency and Default Resolution Phone 570- 602 -2227 Pittston, PA Counseling NATIONAL CCCS OF Toll -free: 800-922-9537 2 -2238 18640 -3557 - Non - Delinquency Post Purchase Workshops - English FOUNDATION FOR NORTHEASTERN Fax: f ree: B E-mail; 602 -2238 x.net Pittston, - Pre- purcitaseCounseling -Spanish . CREDIT PENNSYLVANIA il: E- ma ize: ccsnip@eplx.net Pennsyl - Pre- purchase Homebuyer Education Workshops COUNSELING, INC. 18640 +3557 - Rental Housing Counseling - Services for Homeless Counseling - Financial Management /Budget Counseling Phone: 866 - 232 -9080 26S W High St, - Mortgage Delinquency and Default Resolution MONEY Toll -free: 866 - 232 -9080 Suite 2 Counseling MONEY I _-1 ____r- 14Y-__ R-...1-.0 l-/ 1......f L.__4I L,.•. f)._ UT: n +A n11,R— ornho4 * + A =UA iniii1171111) U.S. Department of Housing and Urban Development (HUD) Page 10 of 14 MANAGEMENT Fax: 866- 921 -5129 POTTSTOWN, - Non - Delinquency Post Purchase Workshops MANAGEMENT INTERNATIONAL E -mail: Pennsylvania - Pre - purchase Counseling - English INTERNATIONAL POTTSTOWN counselinglnfogmoneyrnanagement .org 19464 -6311 - Pre - purchase Homebuyer Education Workshops - Spanish INC. Website: www.moneymanagementorg - Rental Housing Counseling - Financial Management /Budget Counseling - Home improvement and Rehabilitation Counseling Phone: S70- 622 -1995 225 N. Centre - Mortgage Delinquency and Default Resolution SCHUYLKILL Fax: 570- 622 -0429 St. Counseling COMMUNITY E-mail: POTTSVILLE, - Non - Delinquency Post Purchase Workshops _ English Info *schuylkilleammunityactlon.com - Pre - purchase Counseling ACTION Pennsylvania Website: - Pre- purchase Homebuyer Education Workshops www .schuylkillcommunlWaction.com 17901 -2511 - Predatory Lending Education Workshops Rental Housing Counseling - Services for Homeless Counseling - Financial Management /Budget Counseling - Home Improvement and Rehabilitation Counseling BERKS COMMUNITY Phone: 610 -375 -7866 247 N. Stir St. - Mortgage Delinquency and Default Resolution ACTION PROGRAM Fax: 610-375-7830 READING, Counseling - English BUDGETCOUNSEL E - mail: tvasquezobcapberks.org Pennsylvania - Non- Dellnquency Post Purchase Workshops - Spanish 19601 -3303 - Pre - purchase Counseling - Rental Housing Counseling - Services for Homeless Counseling Phone: 866- 232 -9080 2101 Centre - Financial Management /Budget Counseling MONEY Toll -free: 866- 232 -9080 Ave. - Mortgage Delinquency and Default Resolution MONEY MANAGEMENT Fax: 866 -921 -5129 CTCE Federal Counseling - English MANAGEMENT INTERNATIONAL E -mail: Credit Union - Non - Delinquency Post Purchase Workshops - Spanish INTERNATIONAL WYOMISSING counselin Info@mon READING, - Pre - purchase Counseling INC. g eymanagemento Pennsylvania - Pre - purchase Homebuyer Education Workshops Website: www.moneymanagement.org moneymanagement.org 1960S -2872 - Rental Housing Counseling. - Fair Housing Pre - Purchase Education Workshops - Financial Management /Budget Counseling 213 N Sth St Ste - Home Improvement and Rehabilitation Counseling NEIGHBORHOOD Phone: 610- 372 -8433 1030 - Mortgage Delinquency and Default Resolution NEIGHBORHOOD HOUSING SERVICES Counseling - English E-mail: shufford@nhsgreaterberks.org Reading, REINVESTMENT BE R Website: wwv asfte.com Pennsylvania• - Non - Delinquency Post Purchase Workshops - Spanish CORPORATION BERKS. INC. INC 'Pte- purchase Co6nseling 19601 +3392 - Pre- purchase Homebuyer Education Workshops - Predatory Lending Education Workshops Rental Housing Counseling - Financial Management/ Budget Counseling - Mortgage Delinquency and Default Resolution Phone 215- 348 -8003 832 Second CREDIT Toll -free: 877- 900 -4222 Street Pike Counseling COUNSELING Fax:215- 396 -8072 RICHBORO, -Non- Delinquency Post Purchase Workshops _ English CENTER E -mail: Clndygcee- eredltcom Pennsylvania - Pre- purchase Counseling Webslte:www.cce- credlt.rom/ 18954 -1098 - Pre- purchaseHomebuyerEducationWorkshops - Predatory Lending Education Workshops , - Rental Housing Counseling 516 Fig Street - Fair Housing Pre - Purchase Education Workshops CATHOLIC SOCIAL Phone: S70- 207 - 2283 -122 St. Catherine - Mortgage Delinquency and Default Resolution - English SERVICES, DIOCESE Fax: 570- 207 -2206 Manor Counseling - Farsl CATHOLIC OF SCRANTON E -mail: mcoyle@�asseranton.org SCRANTON, - Pre- purchase Counseling - Russian CHARITIES USA Website: wwwAloceseofscranton org Pennsylvania - Rental Housing Counseling - Spanish 18505 -1753 - Services for Homeless Counseling - Fair Housing Pre - Purchase Education Workshops Financial Management /Budget Counseling NEIGHBORHOOD - Home Improvement and Rehabilitation Counseling HOUSING SERVICES Phone: 570 -558 -2490 709 E Market St - Mortgage Delinquency and Default Resolution NEIGHBORHOOD OF LACKAWANNA Fax: S70 -558 -2496 SCRANTON, Counseling - English REINVESTMENT COUNTY E-mail: tsandem0nhslackawannapa.org Pennsylvania - Non - Delinquency Post Purchase Workshops CORPORATION (FORMERLY Website: www.asfte.com 18509 -1228 - Pre - purchase Counseling SCRANTON NHS) - Pre - purchase Homebuyer Education Workshops - Predatory Lending Education Workshops - Rental Housing Counseling UNITED - Fair Housing Pre - Purchase Education Workshops NEIGHBORHOOD Phone: 570- 346- 0759 -103 425 Alder St. - Financial Management /Budget Counseling CENTERS OF Fax: 570- 207 -4242 SCRANTON, - Mortgage Delinquency and Default Resolution - English NORTHEASTERN E-mail: mhanleyLtuncnepa,org Pennsylvania Counseling - Spanish PENNSYLVANIA Website: www.uncnepa org 18505 -4126 - Non - Delinquency Post Purchase Workshops - Pre - purchase Counseling - Pre- purchase Homebuyer Education Workshops �_ / L - -____ t_ -_J. ..1.5... . _ .T A A.enn.•nhn *o f==D A y U.S. Department of Housing and Urban Development (HUD) Fage 11 of 14 - Predatory Lending Education Workshops - Rental Housing Counseling - Services for Homeless Counseling Phone:800 -3SS -2227 734 Stambaugh _ Financial Management /Budget Counseling CCCS OF THE Toll -free: 800 -3S5 -2227' Ave - Mortgage Delinquency and Default Resolution CCCS OF THE Fax: 614- 552 -4800 SHARON, - English MIDWEST /APPRISEN MIDWEST E -mail: lnfo0apprlsen.com Pennsylvania Counseling Non- Delinquency Post Purchase Workshops Website: www.apprisen.com /home=p 16146 -4131 - Fair Housing Pre- Purchase Education Workshops 109S. - Financial Management /Budget Counseling COMMUNITY Phone: 724- 342- 3532 -105 Sharpsvllle - Financial, Budgeting and Credit Repair Workshops ACTION Fax: 724- 342 -3450 Avenue - Mortgage Delinquency and Default Resolution - English MON VALLEY PARTNERSHIP OF E -mail: edrecapmemer org Suite B Counseling - Spanish 'INITIATIVE SHARON, - Pre - purchase Counseling MERCER COUNTY Website: www.capmercer.org Pennsylvania - Predatory Lending Education Workshops 16146 -1817 - Rental Housing Counseling - Services for Homeless Counseling - Fair Housing Pre- Purchase Education Workshops - Financial Management/ Budget Counseling - Financial, Budgeting and Credit Repair Workshops - Home Improvement and Rehabilitation Counseling _ - Mortgage Delinquency and Default Resolution 218 Kimberly Counseling SOUTHWESTERN Phone:800- 846 -0871 Ave. Suite 100 - Non - Delinquency Post Purchase Workshops SOUTHWESTERN PENNSYLVANIA Toll -free: 888- 855 -3873 - Pre- purchase Counseling 9 PENNYYLVANIA - En Iish LEGAL SERVICES, Fax: 724 -2SO -1078 SOMERSET, _ Pre - purchase Homebuyer Education Workshops LEGAL SERVICES INC. E -mail: kristle0splas.org Pennsylvania - Predatory Lending Education Workshops INC. 1 SSOI -1461 _ Rental Housing Counseling - Rental Housing Workshops - Resolving /Preventing Mortgage Delinquency Workshops - Reverse Mortgage Counseling " - Services for Homeless Counseling - Financial Management /Budget Counseling - Mortgage Delinquency and Default Resolution Phonc: 21 S -SGG -5335 : 240 N. Bishop tounseling - • °• CCCS OF Street - Non- Dellnquency Post Purchase Workshops CCCS OF DELAWARE VALLEY, Toll -free: 800- 989 -2227 SPRINGFIELD, - Pre - purchase Counseling - English DELAWARE VALLEY, INC. DBA CLARIFI Fax: 215 -563 -7020 Pennsylvania - Pre - purchase Homebuyer Education Workshops INC. DRA CLARIFI. 19064 -3347 - Predatory Lending Education Workshops - Rental Housing Counseling - Services for Homeless Counseling - Financial Management /Budget Counseling Phone: 814- 238 -3666 202 W. Hamilton - Mortgage Delinquency and Default Resolution CCCS OF Toll -free: 800 -922 -9537 Ave. Counseling CCCS OF NORTHEASTERN Fax: 814- 238 -3669 sTATECOLLEGE, - Non - Delinquency Post Purchase Workshops - English NORTHEASTERN PENNSYLVANIA E-mail: cccsnepa@celnetworks.com Pennsylvania - Pre - purchase Counseling PENNSYLVANIA Website: www.cccsnepa.org 16801 -5218 - Pre - purchase Homebuyer Education Workshops - Rental Housing Counseling - Services for Homeless Counseling - Financial Management/ Budget Counseling " Phone: 570- 420 -8980 411 Main Street, - Mortgage Delinquency and Default Resolution CCCS OF Toll -free: 800 - 922 -9537 Suite 102 Counseling CCCS OF NORTHEASTERN Fax: S70- 420 -8961 STROUDSBURG, - Non - Delinquency Post Purchase Workshops _ English NORTHEASTERN PENNSYLVANIA E -mail: ccrsnepa @ptd.net Pennsylvania - Pre- purchase Counseling - PENNSYLVANIA Website: www.cccsnepa.org 18360 -2477 - Pre- purchase Homebuyer Education Workshops - Rental Housing Counseling - Services for Homeless Counseling - Financial Management /Budget Counseling 217 S. Center - Mortgage Delinquency and Default Resolution Phone: 800 -922 -9537 Counseling CCCS OF CCCS Toll -free: 800 - 922 -9537 Street - Non- Dellnquency Post Purchase Workshops NORTHEASTERN SUNBURY, _pte- purchase Counseling -English NORTHEASTERN PENNSYLVANIA Pennsylvania _ Pre - purchase Homebuyer Education Workshops PENNSYLVANIA Website: wuvw.cctsnepa,org P 17801 -3138 - Rental Housing Counseling - Services for Homeless Counseling - Fair Housing Pre - Purchase Education Workshops - Financial Management /Budget Counseling - Financial, Budgeting and Credit Repair Workshops - Home Improvement and Rehabilitation Counseling hfi„• /hXr;Xn%r hnA anv /nffir.PC/hca /cfh/hrr/hr•.c rfm9wPhT.ictActinn= cearrli rcenrch.otate =PA 10/1/2012 U.S. Department of Housing and Urban Development (HUD) Page 12 of 14 �. - Mortgage Delinquency and Default Resolution Counseling - Non - Delinquency Post Purchase Workshops Phone: 800- 846 -0871 45 East Main - Pre- purchase Counseling SOUTHWESTERN Toll -free: 688 -855 -3673 Street Suite 200 - Pre- purchase Homebuyer Education Workshops SOUTHWESTERN PENNSYLVANIA Fax: 724 -250 -1078 UNIONTOWN, - Predatory Leading Education Workshops - English PENNSYLVANIA LEGALSERVICES, E-mail: kristleosplas.org Pennsylvania - Rental Housing Counseling LEGAL SERVICES INC. Website: wwwv.splas.org 15401 -3570 - Rental Housing Workshops INC. - Resolving /Preventing Mortgage Delinquency Workshops - Reverse Mortgage Counseling - Services for Homeless Counseling - Fair Housing Pre - Purchase Education Workshops 225 - Financial Management /Budget Counseling PENNSYLVANIA - Home improvement and Rehabilitation Counseling Phone: 814 -726 -2400 AVENUE WEST - Mortgage Delinquency and Default Resolution Toll -free: 800 - 231 -1797 Counseling PENNSYLVANIA WARREN FOREST Fax: 814 - 723 -0510 WARREN, PA - Non - Delinquency Post Purchase Workshops - English HOUSING FINANCE COUNTIES EOC E-mail: ralble"aa org 16365 - Pre- purchase Counseling AGENCY Website: www.wraa org WARREN, - Pre- purchase Homebuyer Education Workshops Pennsylvania - Predatory Lending Education Workshops 16365 -2428 - Rental Housing Counseling - Services for Homeless Counseling - Fair Housing Pre - Purchase Education Workshops - Financial Management /Budget Counseling - Financial, Budgeting and Credit Repair Workshops - Home Improvement and Rehabilitation Counseling - Mortgage Delinquency and Default Resolution Phone: 724- 225 -9550 150 W Beau St Counseling COMMUNITY Toll -free: 877 - 814 -0788 Ste 304 - Non - Delinquency Post Purchase Workshops ACTION Fax: 724 -228 -9966 Washington, - Pre- purchase Counseling - English SOUTHWEST E -mail: rwhoolery0aswg.org Pennsylvania - Pre - purchase Homebuyer Education Workshops Website: www.caswg.org 15301 -4425 - Predatory Lending Education Workshops - Rental Housing Counseling - Rental Housing Workshops - Resolving /Preventing Mortgage Delinquency ' Workshops - Services for Homeless Counseling - Fair Housing Pre - Purchase Education Workshops - Financial Management /Budget Counseling. - Financial, Budgeting and Credit Repair Workshops - Home improvement and Rehabilitation Counseling Mortgage Delinquency and Default Resolution Phone:800- 846 -0871 10 West Cherry Counseling SOUTHWESTERN Toll -free: 888 -SSS -3673 Avenue - Non - Delinquency Post Purchase Workshops PENNYYLVANIA Fax: 724- 250 -1078 Central Office - Pre- purchase Counseling - English LEGAL SERVICES E -mail: kristle@splas.org WASHINGTON, - Pre- purchase Homebuyer Education Workshops - Spanish INC. Website: wwwsplas.org Pennsylvania - Predatory Lending Education Workshops 15301 -6808 - Rental Housing Counseling - Rental Housing Workshops - Resolving /Preventing Mortgage Delinquency Workshops - Reverse Mortgage Counseling - Services for Homeless Counseling - Fair Housing Pre - Purchase Education Workshops - Financial Management /Budget Counseling - Financial. Budgeting and Credit Repair Workshops -Horne Improvement and Rehabilitation Counseling - Mortgage Delinquency and Default Resolution Phone: 800 -846 -0871 63 South Counseling SOUTHWESTERN Toll -free: 886 -855 -3873 Washington - Non - Delinquency Post Purchase Workshops SOUTHWESTERN Street - Pre - purchase Counseling _ English PENNSSLVANIA PENNSYLVANIA Fax: 724 -250 -1078 L PENNSYLVANIA E -mail: krlstie stleo1078 WAYNESBURG, - Pre- purchase Homebuyer Education Workshops LEGAL SERVICES s las,oror g Pennsylvania - Predatory Lending Education Workshops INC. Website: w 15370 -2035 - Rental Housing Counseling - Rental Housing Workshops - Resolving /Preventing Mortgage Delinquency Workshops - Reverse Mortgage Counseling - Services for Homeless Counseling - Financial Management /Budget Counseling - Mortgage Delinquency and Default Resolution n____ 1_T `_ A O_ ..... L —a -4__71 A 1A/1 /'1!117 U.S. Department of Housing and Urban Development (HUD) Page 13 of 14 Counseling Phone: 800 -989- 2227 -2 770 E Market - Non - Delinquency Post Purchase Workshops _ CCCS OF Toli -free: 500 -989 -2227 Street, Suite 190 - Pre - purchase Counseling CCCS OF DELAWARE VALLEY, Fax: 215 -563 -7020 WEST CHESTER, - Pre - purchase Homebuyer Education Workshops Cantonese DELAWARE VALLEY, INC. DBA CLARIFI E -mail: customerservlcetltcccsdv org Pennsylvania - Rental Housing Counseling - English INC. DBA CLARiFI Webslte: www.cccsdvorg 19382 -4879 - Reverse Mortgage Counseling - Spanish - Services for Homeless Counseling Phone: S66- 232 -9080 -Financial Management /Budget Counseling MONEY Toll -free: 866- 232 -9080 3671 Crescent - 'Mortgage Delinquency and Default Resolution MONEY MANAGEMENT Fax: 866 - 921 -5129 Court East Counseling - English MANAGEMENT WHITEHALL, - Non - Delinquency Post Purchase Workshops INTERNATIONAL E-mail: - Spanish INTERNATIONAL WHITEHALL counselinginfoOmoneymanagemenLarg Pennsylvania - Pre - purchase Counseling INC. Webslte: www.moneymanagemenLorg 18052 -3400 - Pre - purchase Homebuyer Education Workshops - Rental Housing Counseling - Financial Management /Budget Counseling Phone: 570 - 821 -0837 77 E Market - Mortgage Delinquency and Default Resolution . CCCS OF Toll -free: 800 - 922 -9537 Street, 7th floor Counseling _Nort- Delinquency Post Purchase Workshops CCCS OF NORTHEASTERN Fax: S70- 821 -1785 WILKES BARRE, - English NORTHEASTERN PENNSYLVANIA E -mail: cctsofpa®epiz.net Pennsylvania - Pre- purchase Counseling PENNSYLVANIA - Pre- purchase Homebuyer Education Workshops Webslte www.cccsnepa.org 18701 -3116 _ Rental Housing Counseling - Services for Homeless Counseling - Home Improvement and Rehabilitation Counseling Phone: 570- 82G -OS10 - Mortgage Delinquency and Default Resolution COMMISSION ON Fax:570- 529 -1665 165 Amber Ln Counseling ECONOMIC E-mail: ceog)sunllnk net WILKES BARRE, - Non - Delinquency Post Purchase Workshops - English OPPORTUNITY OF Webslte: Pennsylvania - Pre - purchase Counseling - Spanish LUZERNE COUNTY https:/ /www.ceopeoplehelpingpepple.org 15702 -6545 - Pre - purchase Homebuyer Education Workshops - Predatory Lending Education Workshops - Rental Housing Counseling - Financial Management /Budget Counseling Phone: 570- 323 -6627 201 Basin - Mortgage Delinquency and Default Resolution CCCS OF Toll-free: 800-922-9537 500 -922 -9537 Street, Suite 600 _Non- Oelinquenty Post Purchase Workshops CCCS OF NORTHEASTERN Fax: 570- 323 -6626 WILLIAMSPORT, - English NORTHEASTERN PENNSYLVANIA E-mail: cccsnepa6 @epix nat Pennsylvania - Pre - purchase Counseling PENNSYLVANIA Webslte: www.cccsnepa.org 17701 -5360 - Pre - purchase Homebuyer Education Workshops - Rental Housing Counseling - Services for Homeless Counseling - Fair Housing Pre - Purchase Education Workshops - Financial Management /Budget Counseling - Mortgage Delinquency and Default Resolution Phone: 717 -SSS -2752 290 West Market Counseling Fax: 717 - 855 -2747 Street - Non - Delinquency Post Purchase Workshops HOUSING E-mail: YORK, - Pre - purchase Counseling - English ALLIANCE OF YORK christy *housingaiilanceofyork.com Pennsylvania - Pre- purchase Homebuyer Education Workshops - Spanish Webslte: www.housingaillanceofyork.com 17401 -1008 - Rental Housing Counseling - Rental Housing Workshops - Resolving /Preventing Mortgage Delinquency Workshops Reverse Mortgage Counseling You can narrow your search within this state by using one or more of the following search criteria and clicking the 'Search" button. To choose another state please click on the "Go Back" link at the top of this page. Agency Name: Specific Clry: Specific Zip: Counseling service: _ IF Language: t"f . _- . _._.. •... •._•..• Parent Organlzatlon: i �_ r Colonlas Designation: n Migrant Workers r Faith Based 'Sdarch : httn• /hxnxnzr httr� an�r /nffir.PC/hca /efb/hr.�/hrc rfm9wPhT. is tArtinn= cParchRrcParrbctate =PA 10/1/2012 U.S. Department of Housing and Urban Development (HUD) Page 14 of 14 Download Adobe Acrobat Reader to view PDF flies located on this site. RECOVERY.GOV I Busque Informacldn en Espafiol I Accessibility I Contact Info I Privacy Policy I FOIA I Web Policies and Important Links '--rL_ r_lI_IL __IL_. A- 4.:..__...,......1., A.....•. «.. A roil i ,)ni,) 1 FORM 1 FEDERAL NATIONAL MORTGAGE IN THE COURT OF COMMPN Q4E� OF ASSOCIATION CUMBERLAND COUNTY, : " 3900 Wisconsin Avenue NW PENNSYLVANIAL�� Washington, DC 20016 -2892 �- Plaintiff VS. NO. , 7 • �� r —fc RICHARD E. CLOUSER AND SHERRY A. �� C: CLOUSER n� C, 617 Colonial View Road Unit 18 ry Mechanicsburg, PA 17055 Defendants 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 Mid Penn 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 the 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. Re ec lly submitted April 29, 2013 Date - Signature of Counsel for Plaintiff 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: CUSTOMERIPRIMARY APPLICATION 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? CO-B Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household: How long? INFORMATI 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 and 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: Asset 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• Monthly Gross Monthly Net 2• Monthly Gross Monthly Net 3, Monthly Gross Monthly Net 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 Mortgage Food 2n Mortgage Utilities Car 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 Day /Child Care /Tuft. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income and 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: Email: Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance? Yes r - 1 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? 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: AUTHORIZATION 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. 1 /we understand that I /we am /are under no obligation to use the services provided by the above named Borrower Signature Date Borrower Signature Date Please forward this document along with the following information to lender and lender counsel: V Proof on income V Past 2 bank statements V Proof of any expected income for the last 45 days V Copy of a current utility bill V Letter explaining reason for delinquency and any supporting documentation V (hardship letter) Listing agreement (if property is currently on the market) V Copy of 2 years of federal income tax returns V Copy of deed FORM 3 FEDERAL NATIONAL MORTGAGE IN THE COURT OF COMMON PLEAS OF ASSOCIATION CUMBERLAND COUNTY, 3900 Wisconsin Avenue, NW PENNSYLVANIA Washington, DC 20016 -2892 Plaintiff VS. NO. RICHARD E. CLOUSER AND SHERRY A. CLOUSER 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 Defendants REQUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order dated 2012 governing the Cumberland County Residential Mortgage Foreclosure Diversion Program, the undersigned hereby certifies as follows: 1. Defendant is the owner of the real property which is the subject of this mortgage foreclosure action; 2. Defendant lives in the subject real property, which is defendant's primary residence; 3. Defendant has been served with a "Notice of Residential Mortgage Foreclosure Diversion Program: and has taken all of the steps required in that Notice to be eligible to participate in a court - supervised conciliation conference. The undersigned verifies that the statements made herein are true and correct. I understand that statements are made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. Signature of Defendant's Counsel /Appointed Date Legal Representative Signature of Defendant Date Signature of Defendant Date FORM 4 FEDERAL NATIONAL MORTGAGE IN THE COURT OF COMMON PLEAS OF ASSOCIATION CUMBERLAND COUNTY, 3900 Wisconsin Avenue, NW PENNSYLVANIA Washington, DC 20016 -2892 Plaintiff vs. NO. RICHARD E. CLOUSER AND SHERRY A. CLOUSER 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 Defendants CASE MANAGEMENT ORDER AND NOW, this day of , 20 , the defendant /borrower in the above- captioned residential mortgage foreclosure action having filed a Request for Conciliation Conference verifying that the defendant /borrower has complied with the Administrative Rule requirements for the scheduling of a Conciliation Conference, it is hereby ORDERED AND DECREED that: 1. The parties and their counsel are directed to participate in a court- supervised conciliation Conference on at . M. in at the Cumberland County Courthouse, Carlisle, Pennsylvania. 2. At least twenty -one (21) days prior to the date of the Conciliation Conference, the defendant /borrower must serve upon the Plaintiff /lender and its counsel a copy of the "Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet" (Form 2) which has been completed by the defendant /borrower. Upon agreement of the parties in writing or at the discretion of the Court, the Conciliation Conference ordered may be rescheduled to a later date and /or the date upon which service of the completed Form 2 is to be made may be extended. Upon notice to the Court of the defendant /borrower's failure to serve the completed Form 2 with the time frame set forth herein or such other date as agreed upon by the parties in writing or ordered by the Court, the case shall be removed from the Conciliation Conference schedule and the temporary stay of proceedings shall be terminated. 3. The defendant /borrower and counsel for the parties must attend the Conciliation Conference in person and an authorized representative of the plaintiff /fender must either attend the Conciliation Conference in person or be available by telephone during the course of the Conciliation Conference. The representative of the plaintiff /lender who participates in the Conciliation Conference must possess the actual authority to reach a mutually acceptable resolution, and counsel for the plaintiff /lender must discuss resolution proposals with the authorized representative in advance of the Conciliation Conference. If the duly authorized representative of the plaintiff /lender is not available by telephone during the Conciliation Conference, the court will schedule another Conciliation Conference and require the personal attendance of the authorized representative of the plaintiff /lender at the rescheduled Conciliation Conference 4. At the Conciliation Conference, the parties and their counsel shall be prepared to discuss and explore all available resolution options which shall include: bringing the mortgage current through a reinstatement; paying off the mortgage; proposing a forbearance agreement or repayment plan to bring the account current over time; agreeing to tender a monetary payment and to vacate in the near future in exchange for not contesting the matter; offering the lender a deed in lieu of foreclosure; entering into a loan modification or a reverse mortgage; paying the mortgage default over sixty months; and the institution of bankruptcy proceedings. 5. All proceedings in this matter are stayed pending the completion of the scheduled conciliation conference. BY THE COURT, J. SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff ROB Jody S Smith ' t 1 Chief Deputy , ' u3 r i Richard W Stewart Solicitor OFF 10F OFTY-yVEP1FF Federal National Mortgage Association Case Number vs. Richard E. Clouser(et al.) 2013-2423 SHERIFF'S RETURN OF SERVICE 05/10/2013 05:41 PM- Deputy Ryan Burgett, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Sherry Clouser, wife of defendant, who accepted as"Adult Person in Charge"for Richard E. Clouser at 617 Colonial View Rd., Unit 18, Upper Allen, Mechanicsburg, PA 17055. RYAN BUR GETT, DEPbW 05/10/2013 05:41 PM- Deputy Ryan Burgett, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally"handing a true copy to a person representing themselves to be the Defendant, to wit: Sherry A. Clouser at 617 Colonial View Rd., Unit 18, Upper Allen, Mechnanicsburg, PA 17055. -R7A—N—B RTT SHERIFF COST: $55.30 SO ANSWERS, May 13, 2013 RON R ANDERSON, SHERIFF (c)CouritySuite Sheriff,Teleosott,Inc. #32077CFJ-DN IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA • FEDERAL NATIONAL MORTGAGE ASSOCIATION • • Plaintiff V. : NO. 13-2423 rn f F RICHARD E. CLOUSER AND SHERRY A. or) cp CLOUSER • Defendant(s) v -;' PRAECIPE FOR DEFAULT JUDGMENT N To the Prothonotary: (XX) Enter judgment in favor of Plaintiff and against: Richard E. Clouser and Sherry A. Clouser for want of an answer. (X) Assess Damages as Follows Debt $ 145,484.54 Interest from 04/24/2013 to 6/17/13 At $7.64 per diem $ 420.20 Total $ 145,904.74 I CERTIFY THAT THE FOREGOING ASSESSMENT OF DAMAGES IS FOR SPECIFIED AMOUNTS ALLEGED TO BE DUE IN THE COMPLAINT AND IS CALCULABLE AS A SUM CERTAIN FROM THE COMPLAINT. I certify that written notice of the intention to file this Praecipe was mailed or delivered to the party against whom judgment is to be entered and to his attorney of record, if any, after the default occurred and at least (10) days prior to the date of the filing of this Praecipe. A copy of the Notice is attached. R.C.P. 237.1 Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P.C. BYCM/4& Martha E. Von Ros stiel, Esquire Heather Riloff, Esqu' e Attorneys for Plaintiff This day of LULL., , 2013 judgment is entered in favor of the Plaintiff and against Defendant(s), Richard E. Clouser and Sherry A. user b default for want of an answer and damages assessed at the sum of$145,904.74 as per the abov ertifi 'on. I Prothonct y, Cumber aril ourity anA4146:c')Pk/Li a�I Sg/si tvcA,ck etAddeci 2 # qqai5/ MARTHA E.VON ROSENSTIEL, P.C. #32077CTD-MB Martha E. Von Rosenstiel, Esquire/No. 52634 Heather Riloff, Esquire/No.309906 649 South Avenue, Suite 7 Secane,PA 19018 (610)328-2887 Attorneys for Plaintiff FEDERAL NATIONAL MORTGAGE COURT OF COMMON PLEAS ASSOCIATION CUMBERLAND COUNTY 3900 Wisconsin Avenue,NW Washington, DC 20016-2892 Plaintiff v. Case No: 13-2423 RICHARD E. CLOUSER AND SHERRY A. CLOUSER 617 Colonial View Road Unit 18 Mechanicsburg, PA. 17055 Defendants TO: Richard E. Clouser 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 IMPORTANT NOTICE YOU ARE IN DEFAULT 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 DAYS FROM THE DATE OF THIS NOTICE,A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER,GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER,THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 800-990-9108 Respectfully Submitted, MARTHA E.VON ROSENSTIEL, P.C. ft Martha E. Von Ro.Jtiel.Esquire Heather Riloff, E.• re Attorneys for Plai t i -LL- Dated: 5/31/13 MARTHA E. VON ROSENSTIEL, P.C. #32077CTD-MB Martha E. Von Rosenstiel,Esquire/No. 52634 Heather Riloff,Esquire/No. 309906 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff FEDERAL NATIONAL MORTGAGE COURT OF COMMON PLEAS ASSOCIATION CUMBERLAND COUNTY 3900 Wisconsin Avenue,NW Washington,DC 20016-2892 Plaintiff v. Case No: 13-2423 RICHARD E. CLOUSER AND SHERRY A. CLOUSER 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 Defendants TO: Sherry A. Clouser 617 Colonial View Road Unit 18 Mechanicsburg,PA 17055 IMPORTANT NOTICE YOU ARE IN DEFAULT 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 DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER,GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER,THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE,PA 17013 717-249-3166 800-990-9108 Respectfully Submitted, MARTHA E.VON ROSENSTIEL,P.C. B : Martha E. Von Ro•e .tiel, .'uire Heather Riloff,Es e Attorneys for Plainti Dated:5/31/13 #32077CFJ-DN MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire/No. 52634 Heather Riloff, Esquire/No. 309906 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff FEDERAL NATIONAL MORTGAGE : COURT OF COMMON PLEAS ASSOCIATION : CUMBERLAND COUNTY Plaintiff • vs. : No: 13-2423 RICHARD E. CLOUSER AND SHERRY A. CLOUSER Defendant(S) NON MILITARY AFFIDAVIT Martha E. Von Rosenstiel, P.C. by the undersigned hereby certifies that: 1. I am the attorney for the plaintiff herein. 2. The individual involved in this action is the owner of the premises described in the mortgage underlying this action. 3. The procedures of the Law Office of Martha E. Von Rosenstiel, P.C. are designed to discover facts concerning the military status of the mortgagor(s) and/or real owner(s). 4. Said procedures were followed in connection with the instant foreclosure proceeding. 5. Inquiry made with the Department of Defense,has confirmed that the defendant(s) is/are not in the military. 6. On information and belief,named mortgagor(s)and real owner(s) is/are not incompetent nor a service member in military service as defined by the Servicemembers Civil Relief Act, 50 U.S.C. Appx. Section 501 et seq. This verification is made subject to the penalties of 18 Pa.C.S. §4904 relating to unsworn falsification to authorities. Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P.C. BY: Ca-- Martha E. Von Rosenstiel, Esquire Heather Riloff, Esquire Attorneys for Plaintiff Dated: June 15, 2013 • is Ort-11- OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Court House, 1 Courthouse Square, Carlisle, PA 17013 David D. Buell, Prothonotary Richard E. Clouser 617 Colonial View Road Unit 18 Mechanicsburg, PA17055 FEDERAL NATIONAL MORTGAGE : COURT OF COMMON PLEAS ASSOCIATION • CUMBERLAND COUNTY PLAINTIFF • VS. • RICHARD E. CLOUSER AND SHERRY A. : NO: 13-2423 CLOUSER DEFENDANT(S) • 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 in the amount of $145,904.74 on June 17, 2013. David D. Buell Prothonotary X Judgment by Default Money Judgment Judgment in Replevin Judgment for Possession Judgment on Award of Arbitration Judgment on Court Findings If you have any questions concerning this notice, please call: Martha E. Von Rosenstiel,P.C. at this telephone number:610-328-2887. biLVglyi I • OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Court House, 1 Courthouse Square, Carlisle, PA 17013 David D. Buell, Prothonotary Sherry A. Clouser 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 FEDERAL NATIONAL MORTGAGE : COURT OF COMMON PLEAS ASSOCIATION • CUMBERLAND COUNTY PLAINTIFF VS. RICHARD E. CLOUSER AND SHERRY A. • NO: 13-2423 CLOUSER DEFENDANT(S) • 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 in the amount of $145,904.74 on June 17, 2013. David D. Buell Prothonotary X Judgment by Default Money Judgment Judgment in Replevin Judgment for Possession Judgment on Award of Arbitration Judgment on Court Findings If you have any questions concerning this notice, please call: Martha E. Von Rosenstiel,P.C. at this telephone number:610-328-2887. MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire/No. 52634 Heather Riloff, Esquire/No. 309906 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff Federal National Mortgage Association : COURT OF COMMON PLEAS _.._ $ � r 3900 Wisconsin Avenue, NW CUMBERLANDCOUNTY � Washington DC 20016-2892 : Z. Plaintiff • rn...,, p c Richard E. Clouser and Sherry A. Clouser : No: 13-2423 c", 617 Colonial View Road Unit 18 : .c.•• c.:'`` Mechanicsburg, PA 17055 Defendants • AFFIDAVIT OF LAST KNOWN ADDRESS COMMONWEALTH OF PENNSYLVANIA: SS COUNTY OF DELAWARE • Martha E. Von Rosenstiel, P.C. by the undersigned for the 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 last known addresses of the defendants are: 1. Name and address of owners(s) or reputed owner(s) and/or defendant(s) in the judgment: Richard E. Clouser 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 Sherry A. Clouser 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 I verify that the statements made in this affidavit are true and correct upon 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. Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P.C. B -! I Martha E. Von frenstiel, squire Heather Riloff, • ire Attorneys for Plaintif #32077-CWE-DN MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire/No. 52634 Heather Riloff, Esquire/No. 309906 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff rn FEDERAL NATIONAL MORTGAGE : COURT OF COMMON PLEAS 7) c_... ASSOCIATION : CUMBERLAND COUNTY r- ' Plaintiff : c y-C) vs. c - ; RICHARD E. CLOUSER AND SHERRY A. : No: 13-2423 CLOUSER r Defendant(s) CERTIFICATE TO THE SHERIFF I hereby certify that I am the attorney of record for the plaintiff in this action again real property and further certify that this property is: FHA—Tenant Occupied or Vacant Commercial As a result of a Complaint in Assumpsit XX That the plaintiff has complied in all respects with Section 403 of the Mortgage Assistance Act including, but not limited to: (a) Service of the Notice on the Defendants (b) Expiration of the 30 days since Service of the Notice (c) Defendants' failure to request or appear at meeting with mortgagee or Consumer Credit Counseling Agency (d) Defendants' Failure to file application with the Homeowners Emergency Assistance Program I further agree to indemnify and hold harmless the Sheriff for any false statement given herein. Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P.C. B4Z—Btu ..• Martha E. Von N os:nstiel, squire Heather Riloff, ••q ' e Attorneys for Plaintiff 32077CWE-DN • . Commonwealth of Pennsylvania COUNTY OF CUMBERLAND FEDERAL NATIONAL MORTGAGE ASSOCIATION COURT OF COMMON PLEAS v. DOCKET NO. 13-2423 RICHARD E. CLOUSER AND SHERRY A. CLOUSER ATTORNEY I.D. #52634 ATTORNEY I.D. #309906 Praecipe for Writ of Execution TO THE PROTHONOTARY: Issue Writ of Execution in the above matter: AMOUNT DUE $ 145,904.74 INTEREST from 6/18/2013 to 12/4/2013 At 6 % $ 4,076.60 TOTAL* $ 149,981.34 *Plus costs to be endorsed Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P.C. c B 2J / Martha E. Von Rose /el, Esquire Heather Riloff, Esq Attorneys for Plaint if PREM: 617 Colonial View Road Unit 18, Mechanicsburg, PA 17055 ® c-w. oA vD g,sad a thi c.-: — _ C 103. 75 lc -ACA c -w, 1 .Se.<< « < = 1 S a :Lc) . _ta.,r33-bot 6. ak,.5p,s, ej:k 'act ols ) Wv-7-1't)- 2 / j-21/459/eci CWE32077-DN Commonwealth Of Pennsylvania COUNTY OF CUMBERLAND FEDERAL NATIONAL MORTGAGE COURT OF COMMON PLEAS ASSOCIATION DOCKET NO. 13-2423 3900 Wisconsin Avenue, NW ATTORNEY I.D. #52634 Washington, DC 20016-2892 ATTORNEY I.D. #309906 v RICHARD E. CLOUSER AND SHERRY A. CLOUSER 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 Writ Of Execution (Mortgage Foreclosure) TO THE SHERIFF OF CUMBERLAND COUNTY To satisfy the judgment, interest and costs in the above matter you are directed to levy upon and sell the following described property: 617 Colonial View Road Unit 18, Mechanicsburg, PA17055 (see attached Exhibit I) AMOUNT DUE $ 145,904.74 INTEREST FROM 6/18/2013 to 12/4/2013 at 6 % $ 4,076.60 TOTAL* $ 149,981.34 *Plus costs to be endorsed David D. Buell, Prothonotary By: Deputy #32077-DN MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire/No. 52634 Heather Riloff, Esquire/No. 309906 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff FEDERAL NATIONAL MORTGAGE : COURT OF COMMON PLEAS ASSOCIATION : CUMBERLAND COUNTY Plaintiff • • VS. : NO: 13-2423 RICHARD E. CLOUSER AND SHERRY A. : CLOUSER • Defendant(s) LEGAL DESCRIPTION ALL THAT CERTAIN condominium unit in the property known, named and identified in the Declaration referred to below as 'Colonial View Condominium' located in Upper Allen Township, Cumberland County, Pennsylvania, which has heretofore been submitted to the provisions of the Pennsylvania Uniform Condominium Act, 68 P.S.A. 1301, et. seq.,by the recording in the Cumberland County Recorder of Deeds Office a Declaration dated May 23, 1984 and recorded May 24, 1984, in Miscellaneous Book 295, Page 721, together with an undivided interest in the Common Elements of 4.17% which interest, if all thirty-eight(38) units which need not be built (NNB) are built, could be reduced to 1.6161% in the manner set forth in Section 8d of the said Declaration, being and designated in such Declaration as UNIT NO. 18, and also known as 617 Colonial View Road, as more fully described in such Declaration. UNDER AND SUBJECT to any and all covenants, conditions, restrictions, rights of way, easements and agreements of record. PARCEL IDENTIFICATION NO: 42-30-2110-046-U18, CONTROL#: 42004164 IMPROVEMENTS: Residential dwelling TITLE TO SAID PREMISES IS VESTED IN Richard E. Clouser and Sherry A. Clouser,h/w,by Deed from Theodore Pratt Witmer and Shannon M. Witmer, h/w, dated 04/02/2007,recorded 05/01/2007 in Book 279, Page 3968. #32077CAM - DN MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire/No. 52634 Heather Riloff, Esquire/No. 309906 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 ' ' Attorneys for Plaintiff C � FEDERAL NATIONAL MORTGAGE : COURT OF COMMON PLEAS ° s ASSOCIATION : CUMBERLAND COUNTY ?� Plaintiff .� ° —A C - VS. arm r `_4 : NO: 13-2423 . • RICHARD E. CLOUSER AND SHERRY A. : CLOUSER Defendant(s) AFFIDAVIT OF NOTICE PURSUANT TO RULE 3129.1 Martha E. Von Rosenstiel,P.C. by the undersigned attorney for the 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 617 Colonial View Road Unit 18, Mechanicsburg, PA 17055: 1. Name and address of owners(s) or reputed owner(s) Richard E. Clouser 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 Sherry A. Clouser 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 2. Name and address of defendant(s) in the judgment: Richard E. Clouser 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 Sherry A. Clouser 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: NONE 4. Name and address of the last recorded holder of every mortgage of record: NODE 5. Name and address of every other person who has any record lien on the property: NONE 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Colonial View Condominium Association 508 N. Second St/PO Box 845 Harrisburg PA 17108 7. Name and address of every other person of whom plaintiff has knowledge who has any interest in the property which may be affected by the sale: Cumberland County Tax Claim 1 Courthouse Square Carlisle, PA 17013 Cumberland Register of Wills County Courthouse Carlisle, PA 17013 Attorney General of the U.S. C/O Assistant Attorney General Tax Division U.S. Department of Justice P.O. Box 227 Washington, DC 20044 PA Department of Revenue Inheritance Tax division, P.O. Box 280601 Harrisburg, PA 17128 Family Court/Domestic Relations 1 Courthouse Square Carlisle, PA 17013 PA. Department of Revenue Bureau of Compliance Attn: Sheriff Sale Section P.O. Box 218230 Harrisburg, PA. 17128-1230 Dept of Public Welfare P.O. Box 2675 Harrisburg, PA 17105 Pennsylvania Department of Revenue Bureau of Individual Taxes PO Box 280603 Harrisburg, PA 17128-0603 Cumberland County Adult Probation 4 East Liberty Avenue Carlisle, PA 17013 Occupant 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 I verify that the statements made in this affidavit are true and correct upon information and belief I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unswom falsification to authorities. Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P.C. B 4111664 Martha E. Von Rost - _.•uire Heather Riloff, Esq re Attorneys for Plaintiff Dated: June 14, 2013 32077CAM-DN MARTHA E. VON ROSENSTIEL, P.C. �'' r'``o rt(t,01 j Martha E. Von Rosenstiel, Esquire / No. 52634 2°134'120 p'q L, Heather Riloff, Esquire / No. 309906 CutIBERL 'D 649 South Avenue, Suite 7 RENNS-"'D COUNT y Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff FEDERAL NATIONAL MORTGAGE : COURT OF COMMON PLEAS ASSOCIATION : CUMBERLAND COUNTY Plaintiff vs. • : No: 13-2423 RICHARD E. CLOUSER AND SHERRY A. CLOUSER • Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO ALL PARTIES IN INTEREST AND CLAIMANTS: The real estate and improvements, if any, located at and known as 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 will be sold by the Sheriff of Cumberland County on Date of Sale: December 04, 2013 Time of Sale: 10:00 a.m. Place of Sale: Cumberland County Court House, 1 Courthouse Square, Carlisle, PA 17013. This sale is being held on a Judgment in Mortgage Foreclosure filed under Docket No. 13-2423 in the Court of Common Pleas of Cumberland County by Federal National Mortgage Association, Plaintiff against Richard E. Clouser and Sherry A. Clouser, Defendant(s). Judgment was entered on June 17, 2013 in the amount of$145,904.74. The property was seized and taken in execution as the property of Richard E. Clouser and Sherry A. Clouser. The property to be sold at Sheriff's Sale is described as follows: ALL THAT CERTAIN condominium unit in the property known, named and identified in the Declaration referred to below as 'Colonial View Condominium' located in Upper Allen Township, Cumberland County, Pennsylvania, which has heretofore been submitted to the provisions of the Pennsylvania Uniform Condominium Act, 68 P.S.A. 1301, et. seq., by the recording in the Cumberland County Recorder of Deeds Office a Declaration dated May 23, 1984 and recorded May 24, 1984, in Miscellaneous Book 295, Page 721, together with an undivided interest in the Common Elements of 4.17% which interest, if all thirty-eight (38) units which need not be built (NNB) are built, could be reduced to 1.6161% in the manner set forth in Section 8d of the said Declaration, being and designated in such Declaration as UNIT NO. 18, and also known as 617 Colonial View Road, as more fully described in such Declaration. UNDER AND SUBJECT to any and all covenants, conditions, restrictions, rights of way, easements and agreements of record. PARCEL IDENTIFICATION NO: 42-30-2110-046-U18, CONTROL #: 42004164 IMPROVEMENTS: Residential Dwelling A schedule of distribution will be filed by the Sheriff on a date specified by the Sheriff no later than 30 days after said sale, and distribution will be made in accordance with the schedule unless exceptions are filed thereto within ten (10) days after the date of the filing of said schedule. Judgment was recovered in the Court of Common Pleas of Cumberland County Civil Action No. 13-2423. You should check with the Sheriff's Office by calling (717) 240-6390 to determine the actual date of the filing of the schedule. No further notice of the filing of the Schedule of Distribution will be given. Ronny R. Anderson, Sheriff of Cumberland County ATTORNEY FOR PLAINTIFF: MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire /No. 52634 Heather Riloff, Esquire /No. 309906 Attorney for Plaintiff 649 South Avenue, Unit #6 Secane, PA 19018 Phone: (610) 328-2887 Fax: (610) 328-2875 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO. 13-2423 Civil COUNTY OF CUMBERLAND) CIVIL ACTION—LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due FEDERAL NATIONAL MORTGAGE ASSOCIATION Plaintiff(s) From RICHARD E. CLOUSER AND SHERRY A. CLOUSER (1) You are directed to levy upon the property of the defendant(s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s)not levied upon in the possession of GARNISHEE(S)as follows: and to notify the garnishee(s)that: (a)an attachment has been issued; (b)the garnishee(s) is enjoined from paying any debt to or for the account of the defendant(s)and from delivering any property of the defendant (s)or otherwise disposing thereof; (3) If property of the defendant(s)not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee,you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due: $145,904.74 L.L.: $.50 Interest FROM 6/18/2013 TO 12/4/2013 AT 6%-$4,076.60 Atty's Comm: Due Prothy: $2.25 Atty Paid: $204.05 Other Costs: Plaintiff Paid: Date: 6/26/2013 Th24,16:41/ David D.Buell,Prothonotary (Seal) ctly.:___„ .40fmCE7geregad__ Deputy REQUESTING PARTY: Name: HEATHER RILOFF,ESQUIRE Address: MARTHA E.VON ROSENSTIEL,P.C. 649 SOUTH AVENUE UNIT#6 SECANE,PA 19108 Attorney for: PLAINTIFF Telephone: 610-328-2887 Supreme Court ID No.309906 boa � a r � e o � cio oNax4 P ...110. 00 O 0n C7 c::) ?t' � n r ° i.:3- O g J� '�� w N Y C 6' tr1 Z w 00 � � ° ° a N -• I3 ° 0 Job b .. a P ^ 0 0 nC~ 0 1cc P r" �trl 1 `° a `° a 0 C) Z f...) 69 o �• a 4 w.n C d Z goo C • go n v, ..P CD Y 0 Y N rn 0 W A 0 Z MARTHA E. VON ROSENSTIEL, P.C. ���' hE��'1t 0 c` Heather 649 South1Avenue, Suite 7D. No. 309906 ?Oil AUG 26 �N l/: 4 0 OUf�O Secane, PA 19018 ERA 4ND COUt4TY (610) 328-2887 PEINsYL'VANIA Attorneys for Plaintiff FEDERAL NATIONAL MORTGAGE COURT OF COMMON PLEAS ASSOCIATION CUMBERLAND COUNTY 3900 Wisconsin Avenue,NW Washington, DC 20016-2892 Plaintiff vs. RICHARD E. CLOUSER AND No. 13-2423 SHERRY A. CLOUSER 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 Defendants PLAINTIFF'S MOTION TO REMOVE CASE FROM THE CUMBERLAND COUNTY RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM AND CONFIRM THE DEFAULT JUDGMENT AND WRIT OF EXECUTION ENTERED ON JUNE 20,2013 Plaintiff, Federal National Mortgage Association by and through its undersigned counsel, Martha E. Von Rosenstiel, P.C., Heather Riloff, Esquire, hereby respectfully requests that this Honorable Court enter an Order granting its Motion to Remove Case from the Cumberland County Residential Mortgage Foreclosure Diversion Program and to Confirm the Default Judgment and Writ of Execution Entered on June 20, 2013, and in support thereof, avers as follows: 1. This matter has been assigned to the Honorable Kevin A. Hess, P.J. for matters concerning the Residential Mortgage Conciliation Program. 2. The Plaintiff filed its Complaint in Mortgage Foreclosure against the Defendants on May 2, 2013 for the Defendants' failure to make monthly mortgage payments due October 1, 2012 and each month thereafter. A true and correct copy of the Complaint and Notice is attached hereto and incorporated herein as Exhibit A. 3. On or about May 10, 2013, the Mortgage Foreclosure Complaint and Notice was served on the Defendants at the mortgaged premises. A true and correct copy of the service return is attached hereto and incorporated herein as Exhibit B. 4. The sixty (60) day stay of proceedings went into effect pursuant to the February 28, 2012 Administrative Order on May 10, 2013. 5. As of July 10, 2013, sixty (60) days after service of the Complaint and Notice, Plaintiff had not received notice of a Conciliation Conference date, nor a Diversion Program Financial Worksheet. 6. On May 31, 2013 Plaintiff sent 237 Notices. Judgment by default was entered against the Defendants in favor of the Plaintiff on June 20, 2013. A true and correct copy of the Default Judgment is attached hereto and incorporated herein as Exhibit C. 7. On June 20, 2013, February 13, 2006 a praecipe for writ of execution was issued listing the property located at 617 Colonial View Road Unit 18, Mechanicsburg, PA 17055 for December 4, 2013 Cumberland County Sheriffs Sale. 8. To date, neither Plaintiff nor its undersigned counsel has received any communication from a housing counselor on the Defendants' behalf. 9. Plaintiff has no knowledge of any counsel on Defendants' behalf. , 10. Plaintiff respectfully requests that the sixty (60) day temporary stay be vacated and Plaintiff be permitted to proceed with its foreclosure action. 11. The purpose of the sixty (60) day stay following service of the Complaint and Notice was to give the Defendants an opportunity to qualify for the Cumberland County Mortgage Foreclosure Diversion Program. 12. Defendants have not filed a Request for Conciliation Conference within the required sixty (60) day time period set forth in the Notice. 13. As Defendants have not opted to participate in the Mortgage Foreclosure Diversion Program nor filed any response to Plaintiffs Complaint in Mortgage Foreclosure, Defendants will not be prejudiced by confirming Plaintiff's Default Judgment and Writ of Execution entered on June 20, 2013. 14. Plaintiff respectfully requests that the Default Judgment and Writ of Execution entered on June 20, 2013 be confirmed. WHEREFORE, Plaintiff, Federal National Mortgage Association, respectfully requests this case be removed from the Cumberland County Residential Mortgage Foreclosure Diversion Program and that the Default Judgment and Writ of Execution entered on June 20, 2013 be confirmed. Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P.C. B Heather Riloff, Esqui PA Attorney ID No. 30 Attorney for Plaintiff 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 VERIFICATION HEATHER RILOFF, ESQUIRE, hereby states that she is the Attorney for the Plaintiff in this action and that the statements made in the forgoing Motion to Remove Case from the Cumberland County Residential Mortgage Foreclosure Diversion Program and to Confirm the Default Judgment and Writ of Execution Entered on June 20, 2013, are true and correct to the best or her information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa. C.S.A. §4904 relating to unsworn falsification to authorities. MARTHA E. VON ROSENSTIEL, P.C. BY: Heather Riloff, Es 'r Attorney [tiff Date: t Supreme Court of Pennsylvania Court of Common Pleas For Prothonotary UseOu7y. Civil Cover Sheet Docket No: Cumberland County The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service ofpleadings or other a ers as required by law or rules o court. S Commencement of Action: x Complaint ❑Writ of Summons ❑Petition ❑Transfer from Another Jurisdiction ❑Declaration of Taking C Lead Plaintiff's Name:FEDERAL NATIONAL Lead Defendant's Name:RICHARD E.CLOUSER AND T MORTGAGE ASSOCIATION SHERRY A.CLOUSER L: O N Are money damages requested? : ❑Yes X No Dollar Amount Requested: within arbitration limits A Check one outside arbitration limits Is this a Class Action Suit? 0 Yes 0 No Is this an MDJA eal? ❑ Yes ❑X No Name of Plaintiff/Appellant's Attorney:Martha Von Rosenstiel,Esq. ❑ Check here if you are a Self-Represented Pro Se Litigant Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your PRLUARY CASE. If you are making more than one type of claim,check the one that you consider most important. TORT(do not Include kiass Tort) CONTRACT(donor Brclnde Itudgmen(s) CIVIL APPEALS ©Intentional ©Buyer Plaintiff Administrative Agencies_ []Malicious Prosecution ❑Debt Collection:Credit Card ❑ Board of Assessment Motor Vehicle ❑Debt Collection:Other ❑Board of Elections ©Nuisance Dept.of Transportation S ❑Premises Liability 8 Stntutory Appeal:Other ©Product Liability{doss not inck,da mass tow) []Employment Dispute: E Slander/Libel/Defamation Discrimination C Other. ❑Employment Dispute:Other ❑ Zoning Board T ❑ Other: rj I ❑Other: 0 1XIASS TORT Asbestos N 8 Tobacco Toxic Tort-DES ❑Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS 0 Toxic Waste ❑Ejectment ❑Common Law/Statutory•Arbitration Other: B ❑Eminent Domain/Condemnation ©Declaratory Judgment Cnound Rent Mandamus Landlord/Tenant Dispute e Non-Domestic Relations x❑Mortgage Foreclosure:Residential Restraining Order PROFESSIONA-L LIABLITY ❑Mortgage Foreclosure:Commercial ❑QuoWaxranto Dental ❑Partition ©Replevin ❑ Legal ❑Quiet Title ❑Other: ❑ Medical ❑Other: ❑ Other Professional: Updated 1/1/:'011 I t' FILED-OFFICE MARTHA E. VON ROSENSTIEL, P.C. OF THIE PROTHONOTARY 32077CFC-AB Martha E. Von Rosenstiel, Esquire/No. 52634 Heather Riloff,Esquire/No. 309906 2013 MAY —2 AM 11: 24 649 South Avenue, Suite 7 Secane, PA 19018 CU PENNSYLVANIA S R ALl COUNTY (610) 328-2887 Attorneys for Plaintiff FEDERAL NATIONAL MORTGAGE COURT OF COMMON PLEAS OF ASSOCIATION CUMBERLAND COUNTY 3900 Wisconsin Avenue,NW Washington,DC 20016-2892 Plaintiff V. NO. RICHARD E. CLOUSER AND SHERRY A. CLOUSER 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 Defendants CIVIL ACTION—MORTGAGE FORECLOSURE NOTICE ADVISO You have been sued in court. If you wish to defend against the claims Le ban demandado a usted en la corte.Si usted quiere defenderse de set forth in the following pages,you must take action within twenty estas demandas expuestas en las paginas siguientes,usted tiene (20)days after this complaint and notice are served,by entering a veinte(20)dial de plazo at partir de la fecha de la demanda y la written appearance personally or by attorney and filing in writing with notificacion. Hace falta a sentar una comparencia escrita o en the court your defenses or objections to the claims set forth against you. persona o con un abogado y entregar a is corte en forma escrita sus You are warned that if you fail to do so the case may proceed without defensas o sus objeciones a]as demandas en contra de su persona. you and a judgment may be entered against you by the court without Sea a visado que si usted no se defiende,la corte toma ra medidas y further notice for any money claimed in the complaint or for any other puede continuer la demanda en contra suya sin previo aviso o claim or relief requested by the plaintiff. You may lose money or notification. Ademas,la corte puede decidir a favor del demandante property or other rights important to you y requiere que usted cumpla con todas las provisiones de esta demands. Usted puedc perder dinero o sus propiedades o otros de rechos importantes para usted. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT LLEVE ESTA DEMANDA A UN ABOGADO ONCE. IF YOU DO NOT HAVE A LAWYER GO TO OR INMEDIATAMENTE. SI NO TIENE ABOGADO VAYA EN TELEPHONE THE OFFICE SET FORTH BELOW.THIS PERSONA O TELEFONA A LA OFICINA ESCRITA ABAJO. OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT ESTA OFICINA.LE PUEDE PROVEER INFORMACION HIRING A LAWYER.IF YOU CANNOT AFFORD TO HIRE A SOBRE COMO CONTRATAR A UN ABOGADO. SI USTED LAWYER,THIS OFFICE MAY BE ABLE TO PROVIDE YOU NO TIENE EL DINERO SUFICIENTE PARA CONTRATAR A WITH INFORMATION ABOUT AGENCIES THAT MAY UN ABOGADO,LE PODEMOS DAR INFORMACION OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A SOBRE AGENCIES QUE PROVEEN SERVICIO LEGAL A REDUCED FEE OR NO FEE PERSONAS ELEGIBLE PARA SERVICIOS A COSTO REDUCIDO O GRATUITO CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 800-990-9108 FORM t FEDERAL NATIONAL MORTGAGE IN THE COURT OF COMMON PLEAS OF ASSOCIATION CUMBERLAND COUNTY, 3900 Wisconsin Avenue,NW PENNSYLVANIA Washington, DC 20016-2892 Plaintiff VS. NO. RICHARD E. CLOUSER AND SHERRY A. CLOUSER 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 Defendants 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 wh€e:h 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(201 days of your receipt of this notice,you must contact MidPenn legal Services at(717)243-9400 extension 2510 or 1800)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 the 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 riled 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 riled 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 T KE THE STEPS RtQUiRED BY THIS NOTICE, THIS PROGRAM 15 FREE. R cc lly submitted: Aril 29,2013 Date Signature of Counsel for Plaintiff FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland County Court of Common Pleas Docket 0 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: cusroMERIPRiMARY APPLICATION 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: N of people in household: How long? CO-BORROWER Mailing Address: City:' State: Zip, Phone Numbers: Home: Office: Cell: Other: Email: #of people in household: How long? INFORMATION FINANCIAL 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 and 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: Home: $ S Other Real Estate: $ $ Retirement Funds: $ $ Investments: $ $ Checking: $ $ Savings: S S Other: $ $ Automobile$11:Model: Year: Amount owed: Value: Automobile q2:Model: Year: Amount owed: Value: Other transportation(automobiles,boats,motorcycles): Model: Year: Amount owed: Value: Monthly Income Name of Employers: 1. Monthly Gross Monthly Net 2. Monthly Gross Monthly Net 3. Monthly Gross Monthly Net 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 payinel EXPENSE AMOUNT EXPENSE AMOUNT Mortgage Food 2r Mortgage Utilities Car 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 Day/Child Care/Tuft. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income and 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: Email: Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance? Yes No E] 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? 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: AUTHORIZATION 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. I/we understand that 1/we am/are under no obligation to use the services provided by the above named Borrower Signature Date Borrower Signature Date Please forward this document along with the following information to lender and lender counsel: V Proof on income V Past 2 bank statements V Proof of any expected income for the last 45 days V Copy of a current utility bill V Letter explaining reason for delinquency and any supporting documentation V (hardship letter) Listing agreement(if property is currently on the market) V Copy of 2 years of federal income tax returns V Copy of deed FORM 3 FEDERAL NATIONAL MORTGAGE IN THE COURT OF COMMON PLEAS OF ASSOCIATION CUMBERLAND COUNTY, 3900 Wisconsin Avenue,NW PENNSYLVANIA Washington, DC 20016-2892 Plaintiff VS. NO. RICHARD E. CLOUSER AND SHERRY A. CLOUSER 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 Defendants REQUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order dated , 2012 governing the Cumberland County Residential Mortgage Foreclosure Diversion Program, the undersigned hereby certifies as follows: 1. Defendant is the owner of the real property which Is the subject of this mortgage foreclosure action; 2. Defendant lives in the subject real property, which is defendant's primary residence; 3. Defendant has been served with a "Notice of Residential Mortgage Foreclosure Diversion Program: and has taken all of the steps required in that Notice to be eligible to participate in a court-supervised conciliation conference. The undersigned verifies that the statements made herein are true and correct. I understand that statements are made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. Signature of Defendant's Counsel/Appointed Date Legal Representative Signature of Defendant Bate Signature of Defendant Date FORM 4 FEDERAL NATIONAL MORTGAGE IN THE COURT OF COMMON PLEAS OF ASSOCIATION CUMBERLAND COUNTY, 3900 Wisconsin Avenue,NW PENNSYLVANIA Washington, DC 20016-2892 Plaintiff VS. NO. RICHARD E. CLOUSER AND SHERRY A. CLOUSER 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 Defendants CASE MANAGEMENT ORDER AND NOW,this day of ' ,20 ,the defendant/borrower in the above-captioned residential mortgage foreclosure action having filed a Request for Conciliation Conference verifying that the defendant/borrower has complied with the Administrative Rule requirements for the scheduling of a Conciliation Conference, it is hereby, ORDERED AND DECREED that: I. The parties and their counsel. are directed to participate in a court-supervised conciliation Conference on at M. in at the Cumberland County Courthouse,Carlisle,Pennsylvania. 2. At least twenty-one (22) days prior to the date of the Conciliation Conference, the defendant/borrower must serve upon the Plaintiff/lender and its counsel a copy of the "Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet" (Form 2) which has been completed by the defendant/borrower. Upon agreement of the parties in writing or at the discretion of the Court, the Conciliation Conference ordered may be rescheduled to a later date and/or the date upon which service of;the completed Form 2 is to be made may be extended. Upon notice to the Court of the defendant/borrower's failure to serve the completed Form 2 with the time frame set forth herein or such other date as agreed upon by the parties in writing or ordered by the Court, the case shall be removed from the Conciliation Conference schedule and the temporary stay of proceedings shall be terminated. 3. The defendant/borrower and counsel for the parties must attend the Conciliation Conference in person and an authorized representative of the plaintiff/lender must either attend the Conciliation Conference in person or be available by telephone during the course of the Conciliation Conference. The representative of the plaintiff/lender who .participates in the Conciliation Conference must possess the actual authority to reach a mutually acceptable resolution, and counsel for the plaintiff/lender must discuss resolution proposals with the authorized representative In advance of the Conciliation Conference. If the duty authorized representative of the plaintiff/lender is not available by telephone during the Conciliation Conference, the court will schedule another Conciliation Conference and require the personal attendance of the authorized representative of the plaintiff/lender at the rescheduled Conciliation Conference 4. At the Conciliation Conference, the parties and their counsel shall be prepared to discuss and explore all available resolution options which shall include: bringing the mortgage current through a reinstatement; paying off the mortgage; proposing a forbearance agreement or repayment plan to bring the account current over time; agreeing to tender a monetary payment and to vacate in the near future in exchange for not contesting the matter; offering the lender a deed in lieu of foreclosure; entering into a loan modification or a reverse mortgage; paying the mortgage default over sixty months; and the institution of bankruptcy proceedings. 5. All proceedings in this matter are stayed pending the completion of the scheduled conciliation conference. BY THE COURT, J. THIS IS AN ATTEMPT TO COLLECT A DEBT ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE IF THIS IS THE FIRST NOTICE THAT YOU HAVE RECEIVED FROM THIS OFFICE, BE ADVISED THAT: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15. U.S.C. §1692, et seq. (1977), DEFENDANT(S)MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF. IF DEFENDANT(S) DO SO IN WRITING WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANT(S)WITH WRITTEN VERIFICATION THEREOF; OTHERWISE,THE DEBT WILL BE ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING,COUNSEL FOR PLAINTIFF WILL SEND DEFENDANT(S)THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR,IF DIFFERENT FROM ABOVE. THE LAW DOES NOT REQUIRE US TO WAIT UNTIL THE END OF THE THIRTY(30) DAY PERIOD FOLLOWING FIRST CONTACT WITH YOU BEFORE SUING YOU TO COLLECT THIS DEBT. EVEN THOUGH THE LAW PROVIDES THAT YOUR ANSWER TO THIS COMPLAINT IS TO BE FILED IN THIS ACTION WITHIN TWENTY(20) DAYS, YOU MAY OBTAIN AN EXTENSION OF THAT TIME. FURTHERMORE,NO REQUEST WILL BE MADE TO THE COURT FOR A JUDGMENT UNTIL THE EXPIRATION OF THIRTY (30)DAYS AFTER YOU HAVE RECEIVED THIS COMPLAINT. HOWEVER, IF YOU REQUEST PROOF OF THE DEBT OR THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR WITHIN THE THIRTY (30) DAY PERIOD THAT BEGINS UPON YOUR RECEIPT OF THIS COMPLAINT,THE LAW REQUIRES US TO CEASE OUR EFFORTS (THROUGH LITIGATION OR OTHERWISE)TO COLLECT THE DEBT UNTIL WE MAIL THE REQUESTED INFORMATION TO YOU. YOU SHOULD CONSULT AN ATTORNEY FOR ADVICE CONCERNING YOUR RIGHTS AND OBLIGATIONS IN THIS SUIT. IF YOU HAVE FILED BANKRUPTCY AND RECEIVED A DISCHARGE,THIS IS NOT AN ATTEMPT TO COLLECT A DEBT. IT IS AN ACTION TO ENFORCE A LIEN ON REAL ESTATE. MARTHA E. VON ROSENSTIEL, P.C. 32077CFC-AB Martha E. Von Rosenstiel, Esquire I No. 52634 Heather Riloff, Esquire/No. 309906 649 South Avenue, Suite 7 Secane, PA 19018 (610)328-2887 Attorneys for Plaintiff FEDERAL NATIONAL MORTGAGE COURT OF COMMON PLEAS OF ASSOCIATION CUMBERLAND COUNTY 3900 Wisconsin Avenue,NW Washington, DC 20016-2892 Plaintiff V. NO. RICHARD E. CLOUSER AND SHERRY A. CLOUSER 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 Defendants CIVIL ACTION-MORTGAGE FORECLOSURE THIS IS AN ATTEMPT TO COLLECT A DEBT ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE 1. Plaintiff is Federal National Mortgage Association,organized and existing under the laws of the United States of America, with offices for the conduct of business at 3900 Wisconsin Avenue,NW, Washington, DC 20016-2892. 2. Defendants, Richard E. Clouser and Sherry A. Clouser are the mortgagors and real owners of premises 617 Colonial View Road Unit 18, Mechanicsburg,PA 17055,hereinafter described,whose last known address is Iisted in the caption. 3. Plaintiff brings this action in mortgage foreclosure against defendants, mortgagors and real owners, to foreclose a certain indenture of mortgage made, executed and delivered by the above named defendants, mortgagors and real owners to Mortgage Electronic Registration Systems, Inc. as Nominee for First Horizon Home Loan Corporation on April 26, 2007, which mortgage was recorded on May 1, 2007 in the Office of the Recorder of Deeds of Cumberland County in Mortgage Book 2310 Page 20, secured on premises 617 Colonial View Road Unit 18, Mechanicsburg, PA 17055 a true and correct description of which is attached hereto as Exhibit I. 4. The mortgage has been assigned to Plaintiff herein by written assignment,which has been lodged with the Recorder of Deeds of Cumberland County,a copy of which is attached hereto as Exhibit II. 5. Plaintiff alleges each and every term,condition and covenant in the aforesaid mortgage, and hereby incorporates them herein by reference thereto. 6. The aforesaid mortgage is in default in that monthly installments of principal and interest have not been made in conformity with the terms of the mortgage, from October 2012 and each month thereafter, up to and including the present time.. 7. Under the terms of the aforesaid mortgage, upon default of payments set forth in the mortgage documents, the entire principal balance and all interest due thereon arc collectible forthwith. 8. The following is an itemized statement of the amount due plaintiff under the terns of the aforesaid mortgage: Principal Balance $ 139,434.89 Interest from 9/1/2012 to 4`23/2013 at$7.64 per diem $ 1,787.82 Accrued Escrow deficit $ 1,734.69 Attorney's Fee $ 1,650.00 Legal/Attorney $ 440.82 Title $ 450.00 Property Inspections $ 135.00 Suspense $ ( 148.68 ) Total $ 145,484.54 9. Plaintiff sent to Richard E. Clouser,defendant,mortgagor and real owner, a combined Notice and Warning of Intention to Foreclose and Notices of Homeowners' Emergency Mortgage Assistance Act of 1983 advising of rights available under the statutes. To date payments have not been received and Act 91 as amended by Act 160 of 1998 assistance has not been granted,although the applicable time periods provided by statute have expired(Exhibit II). 10. The Defendant Sherry A. Clouser is not a residential mortgage debtor and is not entitled to mortgage assistance or notice under Act 91 of 1983 and Act 6 of 1974. WHEREFORE, plaintiff demands judgment for foreclosure and sale of the mortgaged premises in the amount of$145,484.54,plus per diem interest at$7.64 from April 24,2013 to the date of judgment plus costs thereon. Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P BY- Martha E. Von Rosenstiel, Esquire Heather Riloff, Esquire Attorneys for Plaintiff VERIFICATION Julia Rust hereby states that he/she is the rumciosure Specialist of Seterus, Inc., Servicing Agent for Federal National Mortgage Association,plaintiff herein;that he/she is duly authorized to make this Verification on behalf of Federal National Mortgage Association and verifies that the statements made in the foregoing Complaint in Federal National Mortgage Association v. Richard E. Clouser and Sherry A. Clouser relating to the property located at 617 Colonial View Road Unit 18, Mechanicsburg, PA 17055 are true and correct to the best of his/her information and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unswom falsification to authorities. BY: JX1ia Rust Title: + reclosure Specialist Seterus, Inc. as servicer for Federal National Mortgage Association Dated: �3 . EXHIBIT I LEGAL DESCRIPTION ALL THAT CERTAIN condominium unit in the property known,named and identified in the Declaration referred to below as'Colonial View Condominium'located in Upper Allen Township,Cumberland County,Pennsylvania,which has heretofore been submitted to the provisions of the Pennsylvania Uniform Condominium Act,68 P.S.A. 1301,et.seq., by the recording in the Cumberland County Recorder of Deeds Office a Declaration dated May 23, 1984 and recorded May 24, 1984, in Miscellaneous Book 295, Page 721,together with an undivided interest in the Common Elements of 4.17%which interest, if all thirty-eight(38)units which need not be built(NNB)are built,could be reduced to 1.6161%in the manner set forth in Section 8d of the said Declaration, being and designated in such Declaration as UNIT NO. 18, and also known as 617 Colonial View Road,as more fully described in such Declaration. UNDER AND SUBJECT to any and all covenants,conditions,restrictions,rights of way, easements and agreements of record. PARCEL IDENTIFICATION NO: 42-30-2110-046-U 18,CONTROL 4:42004164 EXHIBIT II s ete r u s. - PO Box 2008•ftnd Repida,MI49MI-2008 91 7199 9991 7030 0546 2933 +°Q°""° 0 2 1M $ 0 Z 0004260442 NOV MM E0 FROM ZIP COI I k NIXIE 17=6 9L� 1 G'Q Ilf�; RETURN TO 'SENDER jUNT; AT MF D e t: 49501200809 TO C *2419-07 448-2 4gSnl (d7ngg {I{ts{I�liuli�t{1�»iit{{i=lt{{{ICI{{u�f�il�{{nei:elii�li emw 0121127 se =cal�te r u s .OR9714523 SW Mlflgtarr Way;SttHa 200;Be , Address Business Nouns(Pacific Tinto) Monday Thursday 5 a.m.to 8 pm Friday 5 am to 6 p.m. Payments October 31,2012 PO Box 7152;Pasadena,CA 91108-7162 Correspondence CERTIFIED RETURN RECEIPT AND REGULAR FIRST CLASS MAIL PO Box 2008;Grand Rapids,Ml 49501-2008 Phone L178H 866.5705277 CLOUSER,RICHARD E Fax 617 COLONIAL VIEW RD 888,5785277 MECHANICSBURG,PA 17055 Website www.wterus.com RE:Loaallo.:8302354 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM �. . m . . RE Ibis is an official notice that the mortgage on your home is in default,and the lender intends to foreclose. SiDeEffic information about the n ature.of the defau t is provided ><n the attached pages. he HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE]PROGRAM )may be able to he lip to save your home.This Notice explains how the DroL7ram works.To see if HEMAP can he12,jou must WEET WITH A CONSUAIER�C }SIT COUNSELING AGENCY WITHIN 33 DAYS OF M DATE OF THIS NOTICE- Take this tics ith vou when you meet with the-Cogoseling Agens:& The name address and phone number of Consumer Credit Counselinff A encies ngr our COUDIX are listed at the end of this Notice.If you have any ques ions._you may call the PennsyIvan a Housing Finance&ency toll free at 3-800-342-2397. (Persons with impaired hearing can call 717-78 $69). 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. (Continued) THIS CM MIIMCATiON IS FROM A DEBT COLLECTOR AS WE SOMETVAES ACT AS A DEBT COLLECTOR WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.HOWEVER,IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT,THIS LZITM 1S NOT AN AT7'Eiv PT 70 COLLECT THE DEBT,BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY.COLORADO:FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT,S® WWW.COLORADOATI'MMME MAL-.GOMICA. Setaus,Inc.mainWas a local otTim at 3$5 Union Boulevard,Suite 302,Leimwood,CO 90228.The office's pbone number Is 888.7385576.NEW YORK CITY.1331537,1340663,1340148.TENNMEE:This collection agency Is licensed by the Collectlon Service Board al the Department of Commence and Insurance.Seterus,Inc.is licensed to do business at 14523 SW Jv8llllmn Way,Beaverton,OR. ....... ..... CLOUSER,RICHARD E Loan No.:8302354 Page 2 October 31,2012 LA NOTIFICACION EN ADJUNTO ES DE SUMA DIPORTANCIA,PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA.SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMtDIATAMENTE LLAMANDO ESTA AGENCIA(PENNSYLVANIA HOUSING FINANCE AGENCY)SIN CARGOS AL NUMERO MENCIONADO ARRIDA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO"HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM"EL CIIAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDEWR SU HIPOTECA. HOMEOWNERS'NAME(S): CLOUSER,RICHARD E PROPERTY ADDRESS: 617 COLONIAL VIEW RD MSCHAMCSBURG,PA 17055 ORIGINAL LENDER FIRST HORIZON HOME LOAN CORPORATION CURRENT LENDER/SERVICER: Setems,Inc ROMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHiCH_CAN.SAVE YOUR HOME FROM FORECLOSURE AND HTLP YOU MA"FUTURE NQ TGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983(THE"ACT");YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS,AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR WE ARE ATTEWWO TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FORMAT PURPOSE HOWEVER,IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT,THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT,BUT NOTICE OF POSSIBLE ENFORCF.I ONT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY.COLORADO:FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT,SEE WWW.COLORADOATTORNEYGENERAL.GM/CA. Seterus,Inc.maintains a local office at 355 Union Boulevard,Suite 302,Labcwood.CO 80228.Tiu oltice's phone number is 888.7385576.NEW YORK CRY:1331537,1340663,1340I49.TENNESSEE:This collection agency is licensed by the Collection Service Board of the DeparMmt of Conurmce and Insumnee.Scicm,Inc.is licensed to do business at 14523 SW Mitlikan Way,Benveiton,OR CLOUSER,RICHARD E Loan No.:8342354 Page 3 October 31,2012 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 MEETING MUST OCCQR WPTMN TH LT THREE 1331 DAYS OF THE DATE OF THIS NOTICE.IF YOU DO NOT APPLY FQR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE THE PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFA3jjrT"' EXPLAINS HOW TO BRING YOUR MORTGAGE VP TO DATE You must have a face-to-face meeting with one of the designated consumer credit counseling agencies within thirty three(33)calendar days. 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 telgRbone numbers of designated consumer credit counseling agencies for the county in which the properly 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. AP ICATION 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 Mortgage 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 Mi the program and they will assist you in submitting a complete application-to the Pennsylvania Housing Finance Agency, To-tempotarilystop-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 W11 H A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK.DATE OF THIS NOTICE AM FILE AN APPLICATION WITH PHFA WITT EJ 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 FORCLOSURE". YOU HAVE THE RIGHT TO FILE A HEI "APPLICATION EVEN AMM 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 WELL BE STOPPED. AGENCY ACTION-Available funds for emergency mortgage assistance are very limited.They will be disbursed by the geney 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,Duringg 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 Pennsy►Ivania Housing Finance Agency of its decision on your application. (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOI Mlly MS ALT AS A DEBT COLLECTOR WE ARE ATTEMPTING TO COLLECT ADMIT AND ANY INFORMATION OBTAWW WILL BE USED FOR THAT PURPOSE.HOWEVER,IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT,THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT,BUT NOTICE OF POSSIBLE ENFORCM MT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY.COLORADO:FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT,SEE MM-COLORADOATTORNEYGENERAL.GOV/CA Seterus,Inc.maintains a local*Mee at 355 Union Boulevard,Suite 302,Lakewood,CO 80228.The o$icc's phone number Is 888.730576.NEW YORK CITY:133I537.1340663,1340148.TENNESSEE:This collection agency is Hocased by the Collection Service Bond of, the Department of Commerce and Insnxance.Seterns,Ina is licensed to do bush=at 24523 SW Millikan Way,Beaverton,OR CLOUSER,RICIIARD E Loan No.:8302354 Page 4 October 31,2012 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 stilt apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it uu to date.) NATURE OF THE DF,FAULT-.The MORTGAGE debt hold by the above lender on your property located at 617 COLONIAL VIEW RD MECHANICSBURG,PA 17055 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE REGULAR MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Your loan is delinquent for the following months:September{2012,October 2012 Past Due Installments: Totals Principal $402.14 Interest 46512 Escrow Installment 545.18 $1,412.44 Other Open Changes: -Prior Se_ icer Charges . oterns.Inc.C_hafges Late Charges 0.00 86.72 86.72 Legal/Attomey 0.00 440.82 440.82 Title 0.00 450.00 450.00 Property Inspections 0.00 45.00 45.00 (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR WE ARE ATTMeTINO TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.HOWEVER,IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT,THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT.BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY.COLORADO:FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACr.SEE tN.00L0RADOAT_r0RNEYGENERAU0V1CA.Selaus.Inc,maintains a local office at 355 Union Boulevard,Suite 302,Lc*ewood,CO$0220.The office's phone number is 8118.73&5576.NEW YORK CriY:1331537.1340663.1340148.'TEWMEE:Ibis collection agency Is liceused by the Collection Service Board of the Department ofCommenx and Inswunca.Seteras,Inc.is licensed to do business at 14513 SW Milliken Way.Beaverton.OR. CLOUSER,RICHARD E Loan No.:8302354 Page 5 October 31,2012 ' $1,022.54 Less Suspense(Balance) $117.70 TOTAL AMOUNT PAST DUE $2,317.28 (Continued) THIS COMMUNICATION 1S FROM A DEBT COLLECTOR AS WE SONSTRAES ACT AS A DEBT COLLECTOR.WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FORTHAT PURPOSE,HOWEVER 1F YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT.THIS LETTER IS NOT AN A'iTEWr TO COLLECT THE DEBT,BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY.COLORADO,FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRAC77CES ACT,SEE WWW Selena,Inc.maintains a local office at 355 Union Boulevard,Suite 302, Lakewood.CO 86228.The office's phone number Is 888.7385576.NEW YORK CITY:1331537.1340663,1340148.TENNESSEE:This collection agency is licensed by the Collection Service Bond of the Department of Commeme and Insurance.Setetus,Inc.is licensed to do business at 14523 SW Mikan Way,Beaverton,OR CLOUSER,RICHARD E Loan No.:8302354 Page 6 October 31,2012 SOW TO CURE THE DEFAULT-You may cure the default within THIRTY(30)DAYS of the date of this notice BY PAYING TEE TOTAL AMOUNT PAST DUE TO THE LENDER,WHICH IS $2,317.28,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: Seterus,Inc. PO Box 7162 Pasadena,CA 91109-7162 )Z YOU DO NOT CURE THE DEFAULT-If you do not cure the default within TEMTY(30)DAYS of the date of this Notice,the ender will 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 regularly scheduled 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,proyerty. XF 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 pLy 0 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 TSIItTY(301 DAY period.von will not be required to nay attorney's fees. OTE ER LENDER REMEDIES-The Iender 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-Ifyou 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 bvpaying the total amount then past due,plus any late or other charged then due,reasonable a ornay's fees and costs connected with the foreclosure sate and an_y othef costs connected with the Sheriffs Sale as Specified in writing by the lender,and by performing My other requirements under the mortMe. 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. (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMETIMES ACT AS A DEBT COLLECTOR.WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAIIJED WILL BE USED FOR THAT PURPOSE.HOWEVER,IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT,THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT.BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY.COLORADO:FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT,SEE �,CDLORADOATTORNMENERAL.GOV/CA. Seterus,Iao.maintains a local office at 355 Union Bculcvord,Suite 302,Lakewood,CO 80228.The office's phone number is 888.738.5576.NEW YORK CITY:133M7.1340663,1340148.TENNESSEE:This collection agency is licensed by the Collection Service Board of the Depart=t of Commerce and Inswunce.Scdorus.Inc.is licensed to do business at 14523 SW Kd1ilmn Way,Beaverton.OR. CLOUSER,RICHARD E Loan No.:8302354 Page 7 October 31,2012 XARLIEST POSSIBLE SHERIFF'S SALE DATE-It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately eight(8)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 anytime.exactly what the required payment or action will be by contacting the Iender/servicer. _ HOW:[O CONTACT THE SERVICER: Name of Servicer: Seterus,Inc. Address: PO Box 200$;Grand Rapids,MI 495012008 Phone Number: 866.570.5277 Fax Number: 877.649.0743 Contact Person(s): Erica Anson or Margaret Williams E-Mail Address: ExternalCommunications®seterus.com 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 Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongs could be started by the lender at any time. ,ASSUMPTION OF MORTGAGE-You may or X 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. (Continued) THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SONWrV ES ACT AS A DEBT COLLECTOR WE ARE ATrENIPTING TO COLLECT A DEBT AND ANY INFORMATION-OBTAINED WILL BE USED FOR THAT PURPOSE.HOWEVER,IF YOU ARE IN BANKRUPTCY OR RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT.THIS LETTER IS NOT AN ATTEMPT TO COLLECT THE DEBT,BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY.COLORADO:FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT,SEE WWW.COLORADOA'!'f'ORNEYGENERAL.G0YQA. Selems,Inc.mainWas a local office at 355 Union Boulevard,Suite 302,Lalmwood,CO 80228.The offices phone number is 888.738.5576.NEW YORK CITY:1331537,1340 663,1340148.TENNESSEE.This collection agency is biceaaed by the Collection Service Board.oi the Department of Coramerce and Insurance.Setcrus,Inc.is licensed to do business at I4523 SW Milliken Way.Beaverton,OR. CLOUSER,RICHARD E Loan No.:8302354 Page 8 October 31,2012 XOII MAY 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. • 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. Enclosed is a list of CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY. Sincerely, Seterus,Inc. Enclosures:PHFA list of HEMAP-approved agencies THIS COMMUNICATION IS FROM A DEBT COLLECTOR AS WE SOMET m ACT As A DEBT COLLECTOR WE ARE ATrk mmo TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE HOWEVER,IF YOU ARE IN BANKRUPTCY OR RECE MM A BANKRUPTCY DISCHARGE OF THIS DEBT,THIS LETTER IS NOT AN AT11DAPT TO COLLECT THE DEBT.BUT NOTICE OF POSSIBLE ENFORCEMENT OF OUR LIEN AGAINST THE COLLATERAL PROPERTY.COLORADO:FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ALT.SEE WWW.COLORADOATTORNEYt;ENERALGO—M SeteruS.Inc.maintains a local office at 355 Union Boulevard.Suite 302,Lelxwood.CO 80228.The o x's phone number is 888.738.5576.NEW YORK CTTX:1331537,1340663,1340148.TENNESSEE:This collection agency Is Iicensed by the Collection Service Board of the Department of Commerce and Insurance.Selems,Ina Is licensed to do business at 14523 SW M11111=Way.Beaverton,OR. v.&3.1JGPtuuuGLt Vl 17uubl lss duu LJt:L7t1A lJomupment;knuij) rage 1 ox 14 P ' � slorinAV.ocsessrn m.1m1 connaa w►Ua HuD 3 �n !� 6usgw hformackn nn Es ttol Teat A A A � Sea 11UD.gov HUD Approved Housing Counseling Agencies GO SACK This Win U current as of 1010112012. Click here to narrow your search. Printer Friendly Version. Agencies Iocated InPENM%VANU Phone.Toff-Free. Agency Name Fax Number. Address Counseling Setvtets languages parent nlzallon Entail.Websha S24 Franklin -Financial Management/8udget Counseling ADVANTAGE Phonc:868-5I1-2227 -MortgageDelinquencyandDefaultResolution ADVANTAGE CREDIT Toll-free:888-S11-2227 Avenue Counseling CREOtr ALIQUIPPA, -English COUNSELING E-mail:mkRtes®advanbgeees Oro PemuyNard:n -Nan-ihlmt(rreacy Post Purchase Workshop COUNSELING SERVCIE Webslte:Www.oeespa.oq �cnna -114 -Pre-purchase Counseling SERVICE . Tre-pvrihase Nomebuyer.Educv(on WWkthops 830 Hamilton ALLIANCE FOR Phcum 610-43944 mall Counseling PENNSYLVANIA F=610-439-7888 ALLENTOWK _Pre-pu re tt Counseling English HOUSING FINANCE COMMUNITIES E-mat@ misklor�housingabeoro Pennsylvana -R us _s�hh AGENCY 10101-2422 NEtGHSORH00D 239 N loth St -Financial Man"tment/Budget Counseling HOUSING SERVICES PhonC 610-437-45711 ALLENTOWN. -Home Improvement and Rehabilitation Caunselhg _English NEIGHBON400D OF 7HE LEHIGH E-math casolffrnhshr mV Penns*anfa -Non-GelinqueacY Post Purchase Workshops REINVESTMENT VAS Wabsttc wnw.nhsbmg 18102-3941 -Pre-purchase Counseling -Spanish CORPORATION . -Pra-purehast Homebuyer Education Workshops 917A Logan _Fkmcb1 Managemtm/BudgetCounteling ADVANTAGE Phones -fr ee8-511-2127 R"I/Remax -Financial.Budgeting and Credit Repalr Workshops ADVANTAGE CREOIr Toll-free:88B-SI t-2227 iMaza -Mortgage Delinquency and Default Resolution CREDIT COUNSELING it-mail:adoftustaadvantageocs org F1113 A Counseling -English C6UNSEUNQ SERVICE Webstie www advantageocs org ALTOONA, -pre-purchase Counseling SERVICE Pennsylvania 16602-4025 -Reverse Mortgage Counseling -Fair Housing Pre-Purchase Education Workshops -Financial Managemem/Budgat Counseling -FinartNaL Bud c9ng and Credit RWIr Workshops -Mortgage Delinquency and Default Resolution Phone:1114-943-1641 2005-8th Counseling BLAIR COUNTY Tall-free WO-238-9763 Avenue -Non-Delinquency Post Purchase Workshops COMMUNITY fax:814-946-;451 ALTOONA. -foe-purchaseeounsaing -English ACTION AGENCY E-mail:111111 epanObhirap otp Penmylvanla- -Pre-purchase Homebuyer Education Worksbops -Spanbh Webstte:www.btsJ=PxM1 16602-2203 -Predatory Lending Education Workshops -Rental Housing Counseling -Rental Housing Workshops -Resolving/Preventing Mortgage Delinquency Workshops -Services for Homeless Counseling 262 East End -Financial Management/Budget Counseling PENNSYLVANIA HOUSING Phone:724-728-7SI k Avenue -Mortgage Delinquency and Default Resolution _English HOUSING FINANCE OPPORTUNITIES OF For.724-720-7202 REAVER. Cowueft BEAVER COUNTY. 9-math fwlismm@hobehfo.aro PennsvIvanla -Pre-purchase Counseling AGENCY 11411,x•/hsnansr6A r vr%,q r/nfl;r-av Ala trl efh/hr•r•lh too nfm9ar ahT;at ArtinncePamhRrePamltcl'ata—PA 1(1/1nnv) U.S.Department of Housing and Urban Development(HUD) Page 2 of 14 + INCOR Webslte:vww hobdnfo org 15009-2808 -Pre-purchaso Homrbuyar Education Workshops -Ftrhancal Management/eadget Counseling COMMUNITY Phoae:610-691-SG20 1337 E.Sth -Mortgage Dellmryency and Default Resolution ACTION Tall-free S66-947-4565 Street Counseling COMMITTEE OF F=610-691-6562 BETif6EHEM. -Non-Delinquency Post Purchase Workshops -English LEIRGHVALLEY. E-mail:a santlapodcaclrorg Pennsylvania -Pm-purchasseCounseling -Spanish INC. Webstie:www.tad" 18015-2103 -Pre-purchase Hornebuyer Education Workshops Fradatory Rending Education Workshops -Rental Housing Counseling -Fbmncid Management/Budget Counseling 702 Sawmill -Mortgage Delinquency mad Default Resolution CCCS Of Phone:800-922-9537 Bond Course"np NORTHFASTERN TOO-free 800-922-9537 BLOOMSBURG, -Non-Delinquency Post Purchm Workshops English E -Fro-purchase Counseling - tupRsh NORTHEASTERN PENNSYRVANIA Pennsylvania PENNSYLVAIBA Webstte:swvw.mnnepa.org 1 781 5-772 7 "Pro-purchase Homabaya Education Worlaltnps -Rental Housing Counseling -Sam=for Homeless Counseling -financial Managementlaudget Counseling Phone 215-553-S665-2 1230 Now -Mortgage Deilnqueacy and Default Resolution CCCS OF TotWrae:900-989-2227 Ropers Rd.,Ste Counseling CCCS OF DELAWARE VALLEY, Fac 21 S-S63-7020 Fl -Non-Ddtnwen y F es ost Purchase Workshops Camone OWARE VALLEY. iNC.OVA CWOFD E-mail,customenervFa0Coetdvaug BRISTOL, -Pre-purchase Counseling -English INC.DBA CLAW Webshc vwswAmdvmg Pennsylvania -Pre-purchase Homebayer Education Workshops -Spanish 19607-7502 -Rental Housing Counseling -Services for Homeless Counseling Phone 888-511-2227 132 Holirrood -Financial htanoptmtatJBudgtt Counseling ADVANTAGE Drift -Financial,Budgeting and Credit Repair Workshops ADVANTAGE CREW Fa=412- 90-13 1-2227 Suite 101 -Mortgage Delinquency and Default ResoluNe CREDIT COUNSELING E-malk-okusea9 B� Counseling '�O�h COUNSELING SERVICE Weltsh :wwaida ntage new org Pemuylvaata -Pre-purchase Counseling SERVICE LVebshe:www.ahhranapecssArrg 16001-3691 -Reverse Mortgage Counseling -Fair Housing Pte-Purdnse Education Workshops -Financial Management/Budget Counseling -Flnartchl,Budgeting and Credit Repair Workshops Home hnprovement and Rehabilitation Counseling -Mortgage Delinquency and Default Resolution HOUSING Phortoh 724-287-6797 114 Woody Coumseling AUTHORITY OF Top-fore:800-433-6327 Drift -Non-Danquency Post Purchase Workshops _ THE COUNTY OF Fax:724-287.7906 BUTLER. -Pre-purchase Counseling BUTLER E-niaib ri dept0hoUgsurtharRy nom Penncyhnna -Pro-purchase Hamclu yar Mutation Workshops -Erpllsh Webshe:wwN houslivauthorltyAnat 16001-5692 +Predatory Lending Education Workshops -Rental Housing Counseling -Rental Housing Workshops -Resolvinplpreventhig Mortgage OeRnquertcy Workshops -Services for Homeless Counseling -Home improvement and Rehabilitation Counseling CHESTER 412 Avenue of -Mortgage Delinquency and Default Rasotuuon COMMUNITY Phone 610-876-8663 the States Counseling -Engthis IMPROVEMENT' Fat:610.876-3449 CHtSTTA, -Non-Delinquency,Post Purchase Workshops PROTECT E-math adpyatt000maest:net Permsylvanq -Pre-purchase Counseling •Spanish 19013-4404 -Pre-purchase Hefnebuyer Eduation Workshops -Predatory Lending Education Workshops -Financial Management/audget Covnsegap -Mortgage Delinquency and Default Resolution Phone 215.563-5665 1003 East Counseling CCCS OF Toll-frec300-989-2227 Uncola Mgbway -Non-Delinquency Post Purchase Workshops CCCS OF DELAWARE VALLEY, Fatc 215-563-7020 COATESVILLE. -Pre-purchase Counseling -English DELAWARE VALLEY. INC.DBA ClARIR E-math custortrcnerAcefteckt a org Pannsylvania -Pre-purchase Homebuyer Education Workshops INC.OBA CLARIFI 193204339 -Predatory lending Education Workshops -Rental Housing Counseling -Services for Homeless Counseling 2506 North -ArtancW Manapemamilludget Counseling Phone 800-989-2227-2 Bread Street -Mortgage Delinquency and Default Resolution CCCS OF Toff-free:800-989-2227 Counseling Cantonese CCCS OF Suite 100 DELAWARE VALLEY. lac 21 S-S63-7020 COIMAR, -Non-Ddinqutanclr Post Purchase Workshops English OEtAWARE VALLEY, INC.DBA CLARIFl E-mail:wslntrmtscrvlta 0uccadv.arp COLM A. -Pre-purchose Counseling -Spanish INC.ORA CLARIn Websltc:whwvc=dvAtrp 18 Pennsylvania -Pte-purchase Homebuyer Education Workshops •Rental Housing Counseling -Reverse Mortgage Counseling ., rr • ♦ ..l,7'+".-.n.,.../..,n.M..--A.-_ -L._+f.-.-4t...I.A..w....�«........t D.......«..t...a.. •..�D A T A/T/'7/17'1 U.S.Department of Housing and Urban Development(HUD) Page 3 of 14 -Services for Homeless Counseling Phone 610-518-1922 41 W.la em acaster -Rnanetal Minagent/Budget Counseling HOUSING FAX 610-518-3221 DOWNO4G7OWK -Pre-purchase Counseling PARTNERSHIP OF E-moil:fronstngpaKnanbl -Pre-purchase Homebuyer Education Workshops -English CHESTER COUNTY pmrshlpccxo 19335 2646 -Predatory Lending Education Workshops webslta:Mwwhttwit�paKnetshipcteom 19335-284fi -RentalHousingCounseling -Financial Mampentnt/Budget Counseling Phorew 215-358-8003 60 North Main -Mortgage Delnquemy and Default Resolution CREDIT Toll-free 877-900-4222 Street Comelmo CREDIT COUNSELING Fae215-348-6660 DOYLB=VN, -Non-Delingeemy Post Purchase Workshops CENTER E-natb mntaettlsca-credltoom pennsyivaela -Pre-purchase CounseMrp English CLING Wabsha WwfM.eoe-etedlt oom 18901-371 B 1'p11 Hamehayer Education Workshops . -Predatory Lending Education Workshops -Rental Housing Counseling Phone 866-232-9060 uncial Monagement/BudpetCounseling MONEY Toll-tree:606.232-9080 306 Spring -Mortgage Delinquency and Default Resoludw MONK MANAGEMENT Fatc866-921-5129 Garden St Counseling -English MANAGEMENT INTERNATIONAL E-mail: EASTON. -Nan-Delinquency Post Purchase Workshops -Spanish INTERNA710NAL EASTONPA counsenngia fommoneytmtragemerd:org Pattnhkwk -ft-purthaseCounsenng BNC. Website:www.maneynwnapementorp 18042-3552 -Pre-purchase Homebuyer Edueattan Workshops -Rental Housing Counseling FbuncW a tanagement/8udgetCounseling . NORTHERN TIER Phone:814-486-1161 135 W 4th St -Mortgage Delinquency and Default Resolution COMMUNITY Farc 614-466-0825 EMPORIUM, Counseling ACTION E-marlskartAnsubftica arg Pennsylvania -Pre-purchase Counseling -English CORPORATION Website wwormt acorg/ 15834-1123 -Predatory Landto0 Education Workshops -Renal Houshtg Counseling -SeMees for Homeless Counseling 4402 Peach -Fbnanclal Matagement/Budget Caunseling ADVANTAGE Phonc 888-Si 1-2227 -Financial,Budgeting and Credit Repair Workshops ADVANTAGE CREDIT Toll-free 888-511-2227 ERtEcat -Mortgage Delinquency and Default Resolution -Sikh CREDIT COUNSELING E-melk mloftusmativamageeu Dili Penmylvania Counseling COUNSELING SERVICE Wcbsltcwww.advantagewsmg ennsyl1 nta -Pre-pumbaseCounsennp SERVICE -Reverse Mortgage Counseling • - +•• -Financial Matto erne p m/8udgertaunsenng Phone 814-439-2761-222 312 Chestnut St -Financial.Budgeting and Credit Repair Workshops PENNSYLVANIA BAYFRONT NATO, I'm 814-4SS-2743 Et12. -Mortgage Delinquency and Default Resolution _English HOUSING FINANCE INC. E-maikJamtkrmaoLmm pemsyInnm Counseling Website wwwJmyfrontnmo.org 16507-1222 -Rental Housing Count aft" AGENCY -Rental Housing Workshops -Financial Managementloudget CanselInrg -Financial.Budgeting and Credit Repair Workshops i 8 W 9th St -Mortgage Delinquency and Default Resolution COMMUNITY ERIE Phone 814-459-4561 ERIE. Caansellag -Ergt4h COAIt4UN1TY E-math slorgmgeac otg Pennsylvania -Pre-purchase Counseling -Russian pennsylvanfa ACTION AGENCY Wabsho www.ga=cAM 1348 -�-ptnchsse Homebuyu Education Workshops -Spanish Predatory Landing Education Workshops -Rental Housing Counseling -Services for Homdeu Counseling -Finaatbl Managenam/8udgetCoonseting Homo(mptommment and Rehabilitation Counseling -Mortgage Delinquency and Default Resolution Phonic 814-452-6113 Counseling Tall-free 000-000-0000 1701 Parade St -Non-Odinqueney Post Purchase Workshops SAINT MAR7TN Erla, -Pre-purchase Counseling -English CENTER,INC E- 814-452-5092 Penmylvanla -Pte-purchase Homebuyer Edoadon Workshops -Other E-mall: www owancen tar of 16503+1958 -Predatory Lending Education Wakshops Webslte www aanartineunterorg/ -Rental Housing Counseling -ResobtV/Preventing Mortgage Delinquency Workshops -SeMccs for Homeless Counseling 601 Indiana Ave Phonc?24-9Bt-;310-15 Farrell,PA -Mortgage Delinquency and Default Resolution SHINANGO VALLEY FA=724-981-tS44 16121 Counselln0 -English 14ATIONALUROM URBAN LEAGUE E-mall:Mgswtmneohto twdtciom FARR" -Pre-purchase Coumtling -Spanish LEAGUE websitw wwwsvuLarg PermsyWrtla -Rental Housing Counseling 16121-1759 -Financial Management/Budget Counseling ADVANTAGE phones 888-511-2227 One Nanhpate -Fluncial.Sudpettnp and Credit Repair Workshops ADVANTAGE CREDIT Toll-free 886-511-2227 Square -Mortgage Delinquency and Default Resolution CREDIT I All l)Al7 U.S.Department of Housing and Urban Development(HUD) Page 4 of 14 COUNSELING E-mall:mksfarsfadvanapeca.mp GREENSBURG. Counatirm COUNSELING SERYN:E Websltc www advamayeas cull Pennsylvania -Pre-purchase Counseling -English SERVICE 15601-1341 '-Reverse Mortgage CoanuOnp WESTMORELAND Phone:724-04-1260 226 S Maple Ave fax:724-838-GS63 CREENSMIRG, -Pre-purchase Counseling - ACTION U E-mall:rdnrghesswestmmelandemorg Pennsylvania -Pre-purchase Homebuyer Education Workshops English Wcbsitc www.wutmwdandca.org 13601-3234 Phone:886-51 I-2227 2000 -Financial Management/Budget Counseling ADVANTAGE Toll-free 88h499-2227 unglastown -Financial.Budgeting and Credit Repair Workshops ADVANTAGE CREW Faxs717-540-4670 Road -Mortgage Delinquency and Default Resolution -dish CREDIT COUNSELING HARRISBURG, Caumeling COUNSELING SERVICE Wehslt:www.cccxP anrg otg Pennsylvania -Pre-purchase Counseling SERVICE Wabsltc wwal cmpa org 17110.9367 -Reverse Mortgage Counseling -Fair Housing Pre-Purchase Education Workshops -Financial Management/8udgat Counseling FAR!HOUSING Phone:717-238-9540 2100 North 6th -Mortgage Delinquency nd Default Resotutton COUNCiLOFTHE Faa:717-233-SODI Street Counseling PENNSYLVANIA CAPITAL AEGIOH, E-mall:hikcOeemasLnet HARRISBURG. -Non-Wriquency Post Purchase Workshops -English HOUSING FINANCE INC Webslte:wvwr pafalrhousialp.orp Pennsylvania -Pre-purchase Counseling AGENCY 1711 D-2401 -Pra-purchase Homebuyer Education Workshops -Predatory Lending Education Workshops -Rental Housing Counseling PENNSYLVANIA Phone 717-780-3907 211 North Front PENNSYLVANIA ANIA Tall-free 600-342-2397 HARRISBURG, -Mortgage DelInquentyand Default Resolutlon -English HOUSING AGENCY I=717-780-3872 Pennsylvania Counseling -Spanish E-mail.tredmond0phfa org 17101-1405 Pennsylvania -Financial Management/Budget Counseling 81 S.Church -Mortgage Delinquency and Default Resolution Phone:$00-922-9537 Counseling CCCS HE Too-free:800-922-9537 HAIL -Nan-Odingoency Fast Po dwe Workshops NOR E NORTHEASTERN HAZt.ETON, -pre-purehate CanmcNnp -English NORTHEASTERN PENNSYLVANIA Wcbsttmwww,ccesoepa.orp IUDI-6231 -Are-purehnseHome PENNSYLVANIA 18201-6231 �r Eduatlon worlshops -Rental Housing CounsaRrg -5ervlces for Homeless Counseling Phone 412-464-4000-4026 309-305 L 8th -Mortgage Delinquency and Default Resolution Avenue Counseling MONVALEEY Fax: hodgeeS0 HOMESTEAD, -Pre-purchase Counseling -English INITIATIVE Websit dhodpmanv;& atictLVfv %;pmm Pennsylvania -Pit-purchase Hamebuyer Education Workshops WebsltesvAVw.moeNaNeylnitWNasom 15120-1517 -Rental Housing Counseling • Phone:412-464-4000-4008 303130S Eau -Hame Improve men t and RehablNaslonCounseling F=412-164-17SO Eighth Avenue -MwtppDeRnquw&y and Default Resolution AtON VAl1EY E-mach mmauermmomralieylnhlatNe sour Homestead Counseling -English MON VALLEY INITIATIVE Pennsylvania -Non-DelinqueneyPost Purchase Workshops INITIATIVE Websito:wtivwmormheyltlktatNeoom 15120-1S17 -Pn-purchastCounseling -Financial Maragement/8udget Counseling 232 Sunrise -Masgage Delinquency and Default Resolution Phone 800-922-8537 Avenue Counseling CCCS OF NNOORTTHEASTFAN Toil-frog 900-922-9537 Rte.191 -Nott-OdI tgtrency Post Purchase Workshops -English NORTHEASTERN HONESD -Pre-purchaseCounseling PENNPENNSYLVANIA ALE, PENNSYLVANIA Wabstte:www acne Pamg Pennsylvania hanlr -Pre-purchase Homebuyer Education Workshops 18431-1085 -Rental Housing Counseling -Services for Homeless Counseling INDIANA COUNTY Phone 724-463-2857-239 827 Water St -Mortgage Delinquency and Default Resolution ACTION Fax 724-465-5118 I��' Counseling -English INC ON PROGRAM, E-mail rfasteroloca"et 1 701-1755 -Pre-purchase CounseRinp INCO 157D1-IT55 -Financial Manapement/Bndget Counseling 261 Old York -Mortgage Delinquency and Default Resolution Phone 800-989.2227-2 Road Counseling CCCS OF Toll-from 800.989-2227 pavilion -Non-DelintimaeY Past Purchase Workshops Cantonese CCCS OF DELAWARE VALLEY. Fa>e 21 S-S63-7020 Suite 40t -Pre-purchase Counseling DELAWARE VALLEY, 9NC.DBA CLARM E-mall:eustomerseM�adv mp JOWNTOWN, -Pte-purchase Homebuyer Education Workshops -Spmbh INC.024 CLARtq Wabsite:www.aadvmM Pennsylvania -Rental Housing Counseling 14046-3706 -Reverse Mortgage Counseling -Services for Homeless Counseling 453 S.ume SL -Home Improvemeat and Rehabilitation Counseling SACA Phone:717-399-4292 Suite e -Mortgage Delinquency and Default Resolution DEVELOPMENT I=717-431-1009 LANCASTER, Counseling -English MONVALLEY r Al- H r ry w n ,_ A. A,.,.I.T :-a A .. . . .----L Q---..-L.a-ate Tf A 1 A/1 H1A1'1 v.a.Jjeparmient car housing ana uroa3n Leveiopment krtuli) cage S ot 14 CORP E-mail:rgioveresaepiorg Pennsylvania -Non-Deinquency Am Purchase Workshops -Spanish IMiU1TIVE Webslte:Www.saapa.org 17602-3649 -Pre-purchase Counseling -Predatory Lending Education Workshaps -Financial Management/Budget Counseling -Mortgage DeRmlueney and Default Resolution Phones 717-397-5 182 Counseling TABOR Toll-free:800-788-+S062 308 E Xing St -Non-Delhpueney Post Purchase Workshops COMMUNITY FAX 717-390-4127 LANCASTER, 'Pre-purchata Counseling -English " SERVICES.INC E-ma0:infaftbomttorg Pennsylvania -Pre-purchase Hocnabuyer Education Workshops -Spanish Websae www.vborneLorg 17602-5013 -Predatory Lending Education Workshops -Rental Housing Counseling -Rtvese Mortgage Counseling -Services for Homeless Counseling -Financial ManaWmem/Budget Counseling Phone:215-343-8003 -Mortgage Delinquency and Default Resolution CREDIT Toll-frees 877-900-4222 8130 Rte.13 Counseling CO1MMING Fax:215-348-8660 Levittown. -Non-Delnnquency Post Purchase Workshops CREDIT Patnsylvaala -English COUNSELING CENTER £-malkoemactek+ca-nedltcom -1hn-ParchaseCauntttMg cam Webslte:www.eoo-eredILcom 19+057 -Pre-purchase Homelwyer Education Workshops -Predatory Lending Education Workshops -Rental Homing Counseling -Fair Housing Pre-Purchase Education Workshops -Financial Managemtm/Budget Counseling -FlnmxkL budgeting and Credit Repair Workshops -Nome Improvement and Rehabilitation Counseling Cl7rM FOR Phone:814-573-2780 213 W Center St -Mortgage Delinquem and Default Resolution FAMILY SERVICES, Fax:814-397-6457 MEADVILLE, Counseling .English E-mall: ea dslnevnindstrm net Pennsyhnnts -pre-purchase Counseling WebsRor www.tb=Ater-mvp2.org 16335-3406 -Pre-purchase Homebuyer Education Workshops -Rental Housing Counseling -Resolvi g/PmventIng Mortgage Delinquency Workshops -Services rot Homeless Counseiag -Finandal a tarragement/Budgei Caunsetug _ -Mortgage Delinquency and Default Resohrtlon Phone ZIS-563-3665-2 280 N. '~Counseling CCCS OF Toll-free:800-889-2227 Providence Road -Nan-Delinquency Post Purchase Workshops Cantonese C�OF DELAWARE VALLEY. Fain 21 S-563 7020 MEDIA, -Pre-partisan Counseling -English VALLEY, INC.OBACLARtFI E-mail:autennereervlcegaocsdvarg Peansylvants -Pre-purchase Hoo buyer Educagoa Workshops -5panyh W_084 CLARifl Website:www.ecadvorg 19063-3527 -Rental HousicglCounseling -Reveae Mortgage Counseling -Services for Homeless Counseling Phone:610-565-0434 -Mortgage Delinquency and Default Resolution Faa:610-S6S-1SS67 3025.Jaekson Counseling MEDIA FELLOWSHIP E-mall MEDIA, -Nor-Dedoqueney Pan Purchase Workshops .English HOUSE medlafeifayshlphousaogmag mm Pennsylvania -Pre-purchase Counseling Websita www,medlafellovnhlphome org 19065-3714 -Pre-purchase Homebtryar Education Workshops -Predatory Lending Education Workshops Phone 570-278-5238 10 _Mortgage Deiinquency and Default Resolution To11-Inca 800-982-4045 Avenue sue Counsding ?REHAB Fare 570-278-1889 MONTROSE _Non-DefkrgneneyPrxt Porchase 1Yorlalrops -English E-ma1L•rataitse bduarg Pennsy1mb Wabsawwww.trebaborg 18801-1220 -Pre-purdweCounseling -Fah Housing Pre-Purchase Education Workshops PhoaeZTS-295-7195-11 Do 2 South Detawrr 'FinancialManagemtm/8udgetCounsellng AMERICAN CREDIT Tdldree:800-SOt-7526 Avenues 'Mart1�e DtlMquemy and Default ResaWgon -En911sh PENNSYLVANIA Fax:215-428-046 MORRISVILLE. Counseling -French HOUSING FINANCE ALLIANCE E-mall;InfaS301planorg Pennsylvania -Non-DeRnquencyPost Purchase Workshops -Rmtlan AGENCY wwwSOTplaaorg 19067-7105 -Pro-purchase Counseling -Spanish -Pre-purchase Hornebuyer Education Workshops -Predatory Lending Edowlan Workshops LAWRENCE Phone:724-656-7258 241 W.Grant -Mortgage Delinquency and Default Resoknlon COUNTY SOCIAL Fax:724-GSB-7664 Street Counseling -English SERVCES, E-mall kprasnsarDlaaporg NEW CASTLE, `Pre-purchase Counseling -Other INCORPORATED Webaite:wwwamporg Pennsylvania -Rental Housing Counseling 16101-2212 -Services for Homeless Coursell g Financial Management/BUdget Counseling -Financial,Budgeting and Credit Repair Workshops 2324 Second -Mortgage Delinquexy and Default Resalutlan Phonc2lS-S98-3566 Street Pike Ste Counseling h+M•/hantnar l+ttr9 rrn�r/n1 irPC/hca/efh/hrr•/{trc r.4't7t9txra}L7.iatAr•tine=C!!ATI}1RrCP.A/Y`ItCfAtA PA i t nn..Q17. U.S.Department oz tiousmg and Urban Development(HUD) Page(a of 14 ' Fina215-598-9812 17 -Pte-purchase Counseling E-mall Inforhehg.org Newtown. -Pre-purchase Hamebuyer Education Workshops BUCKS COUNTY Wobstic swtiwbchg.arg PerinsvhMnla -Rental Housing Counseling HOUSING GROUP 18940+4110 -Rental Housing Workshops -English -Resolving/Preve Ing Mortgage Delinquency Workshops -Services for Homeless Caunseing 190 CCCS OF Phone 610-272-OS78 GemuMKa+m -Mortgage DeRmWency and Default Resotntlon CCCS OF DELAWARE VALLEY, roil-frees 62-969-2227 Pike,Suite 140 Counseling -English DELAWARE VALLEY. INC.CIA CLARiF1 E-malt enstomerseMee0ttadv erg NORRISTOWN. -Pee-purchase Counseling INC.DBA CLARIFI WebSIte:WwW.Casdvorg Pennsylvania -RentaiHousingCounseling 19401-1985 208 DeKath Phone 610-275-43s? Street GENESIS HOUSING FAx.610-275-1357 2nd floor DOUSING FINANCE CORPORATION E-mach hda®geneslshousing org NORRISTOWN, Pre-purchase Counseling -English HOUSING FINANCE Websltcwww.gtnesishousing.org Pemsylvanta AGENCY 19401-4904 -Fair Housing Pre-Purchase Education Workshops 846 N.Broad -Financial Management/Budget Counseling AFFORDABLE Phone:IIS-765-1221 Street -FhwrxW,BudgetingandCred itRepalrWorkshops Emu 21 S-763-0045 First Floor -Mortgage DeRaquency and Default Resolution HOUSING PENNSYLVANIA E-mall:dtommey0aaboopa.otp PHILADELPHIA, Counseling, -English MISSION OF PEACE OF PENNSYLVANIA Webstm Pennsylvania -Pre-purchase Counseling 19130-2234 -Pre-purchase Homebuyer Education Workshops -Predatory Lending Education Workshops 600 W.Ohmand -Mortgage Delinquency and Default Resolution Phonc:215-23S-6070 Counseling ASOCtAGtN4 DE Sweet Counseling Faso 215-23S-7335 PHILADELPHIA, - Post Purchase Workshops -English FiIERTORIIIQUEN03 COUNCIL OF LA E-mall tvelyn apomemsspmphlh arg -Pre-purchase Counselno -Spanish EN MOCHA Website:wWwapmphlla carp 9122-114 2 -Pre-pwchase Homeburyer FAfim Workshops �� -Predatory tending Education Workshops 1606 Waknui St -Financial Management/8udira Counseling r F110 -Mortgage Deflaghtency and Default Resolution Phonc2)S-S63-3665 Philadelphia,PA Counseling CCCS OF Toll-froC 600-869-2227 19103 -Non-Ddtnqueney Pmt Purchase Workshops -Chinese WATIONAL DELAWARE VALLEY, Fast 21 S-S63-7020 AUTOMATED 'Pre-purchase Counseling Mandarin FOUNDATION FOR INC.OM CLAR01 1-mat atstomarsetvlte®darlO arg ACCT AIM -Pre-purchase Homebuyer Education Workshops -English CREDIT Wabstte:httpssl/Www.tlarM erg 8BL989.2227 -Predatory Lending Education Workshops -Spanish COUNSELING,INC. Philadelphia. -Rental Housing Counseling Pennsylvania -ReverseMortgageCounseling 19108-5451 -Services for Homeless Counseling -Financial Managemem/gudget Counseing Phones 62-969-2227-2 7340 Jackson -Mortgage Delinquency and Default Resohmon Counseling CCCS OF Toll-free 600.989-2227 Street - CCCS OF -Pre-purchase Courhse7lnp DELAWARE VALLEY. Fine 21S-563-7020 PHILADELPHIA. Gntonese DELAWAREVALI.EY, iNC.DBA CIARIFI 9-mall:customerservia0aadv arg Pennsylvania -Pre-purchase Hemabuyar Education Workshops -Englsh INC.DBA CIARIFI Websltcwww.o=dvwg 19136-4008. -Remal Housing Counseling -Reverse Mortgage Counseling -Services for tlo cress Counseling Financial Mantgement/&tdgetCotmseling -Mortgage Delinquency and Default Resolution 442 N PRESS Counseling CCCS OF STREET -Non-DelInquemy Pon Purchase Workshops CCCS OF DELAWARE VALLEY. Phone 2 f stomet ervI � �A, -Pre-purchase Counsel" -English DELAWARE VALLEY, INC.OiiA CLARIFI E-mail:Wttomarsesvlatpcocadvcrg PennsyManla -Pre-purchase Homebuyer Education Workshops INC.CIA CLARIFI 19140-2311 -Predatory Lending Education workshops -Rental Housing Counseling -Services forHorneless Counseling 70S N.Franklin -Fair Housing Pte-Purchase Education Workshops Phone:215-627-3100 Street -Mortgage DeUnquengand Default Resolution -English NUEVA ESPERANLA. CONGl1Q E-math aunnalea 9mve0deandilanet PHILADELPHIA, Counsekbhg -Spanish INC. Penraylvanta -Pre-purchase Homebuyer liducatton Workshops 19123-2707 -Rental Housing Counstling -Monona DeRnquency and Default Resolution NATIONAL CGNGRESO DE 216 W Somasnt Counseling -English COUNCIL OF LA LATINOS UNtDCS Phone:215-763-8870 St. -Non-Delinquency Post Pwdwse Workshops -Spanish Faa:21S-291-0561 PHILADELPHIA, -Pre-purchase Counseling RAID► E-mall sambilomeikongresanet Pennsylvania -Pre-purchase Homebuyer Education Workshops • .. rr , ..y ...r..rr ..-n.-_r_a.n__ n.--_Z.n.-.-t.tr.-a a_. .«".......L v.........t...a..s...-D A 7 A/7 1'7M'1 u.o.1JCFlaft111CL11 uL nomulgr anu uroan 1JCVCLopment knuu) rage / or v+ t< ' webskc:www,00ngreso pet 191311-3534 -Predatory tending Education Wotkabaps -Rental Housing Counseling -Services for Homeless Counseling DL;1Dlxon -Financial Mans gementlaudgmCounseling DIVERSIFIED Haute -Mortgage Delinquency and Default Resolution COMMUNriY Phone 215-336-3511-317 1920 S.20th Counseling -English MON VALLEY SERVICES I OIXON Fac 21 S-SS1-4327 Street -Pte-purchase Counseling -Spanbh INITIATIVE HOUSE E-mall:dgrimesmduph8aml; PHILADELPHIA, _Rental Homing Counseling 19145 2820 -Services for Homeless Counseling 19145-2820 -Financial Managememilludget Counselling -Home Improvement and Rehabilitation Counseling Phone:21 S-324-0746 4261 North Sth -Mortgage Delinquency and Default Resolution Street Counseling FSPERAN2A Fir 21 S•967-1018 PHRlADEI.PHIA. -Non-Detioquenty Post Purchase Workshops -span English INC. ESPFAAN2A, Websit mlamtarc rrAti emaai vs PennsyfwnM -Pro-purchase Counseling -Spanish INC. IVebslte tvww.esperanaa m 19140-261S -Pre-purchase Homebuyer Education Workshops -Predatory Lending Eduatlort Workshops -Renal Housing Counseling Cambodlm -feltHousingPte-Purchase Education Workshops Cantonese fnanelal Management/Budgct Counseling -Chinese GREATER 4943 North 5th -Hams improvement and Rehabilitation Counseling Mandarin Rhone 215-456-1662 -Non-Odinquency Post Putduse Workshops -Creak ASIAN SOCIAL Fina 215-456-1664 Street -Pre-purchase Counseling -English E-mall:gpassarrterikomcutrtet ' -Pre-purchase Homebuyer Eduatkm WeAshaps -French Websltcwww 19120asa9.gpasspaorg -Predatory Lending EduationWorkshops -Hlndl fG'ASS1 -Rental Housing Counseling -Korean -Renal Housing Workshops -Other -Services for Homeless Counseling -Polish -Spanbh Vietnamese M` -Fair Housing Are-Purchass Eduatlon Workshops -Financial Managememf6udgetCounseling 167 W Alegherry -Manelal.Budgeting and Credit Repair Warkshops HISPANIC z1 s-426-a/2s Phorar Ave -Home improvement and Rebabilkadon Counseling ASSOC14TION Of Sulte 200 -Mortgage delinquency and Default Resolution -Engilsh CONTRACTORS E-mall: cocdeorg PHILADELPHIA, Counseling -Spanish AND 04TERPRMU We6ctte rvNmt nakt.earn Pennsylvania -Non-Delkuquency Post Purchase Workshops 19140-SE46 -Pre-purchase Counseling -Pre-purchase H arnebuyer Education Workshops -Rental Housing Counseling -Financial Management/Budget Counseling -Arabic -Home Improvement and Rehabllatktn Counseling -Mortgage Delinquency and Default Resolution 4225 Chestrmt Camiradtan Counseling INTERCULTURAL Phoalb-myr 356-1298 sweet -Non-DaliquercyPostPurcaseWorksbaps Mandarin fAMI.YSERVICES, E-mall:•myta.brownmlfineotg PHILADELPHIA. -Pie-purchase Counseling Mandarin 04CORPORATED Websitc:wwwdlsioc.org Pennsylvania -Ftencb 19104-3014 -Pre-purchase Homebuyer Education Workshops - -Predatory Lending Education Warkshops -Renal Housing Counseling Portuguese -Services far Homeless Counseling -Spanish -Home Improvement and Rehabilitation Counseling Cambodlan 6033-55 North -Mortgage Dan quency and Defntt Resolution -Chinese KOREAN Phone211S-276-8830-30 Counseling Mandarin SHI Street COMMUNITY Fax 215-221-8150 -Nan-delinquency Post Purdose Workshops -English DIVELOPMEHtf E-malk dan0komancenter org PHILADELPHIA. ennsyl Pennsylvania _Pre-puMmse Counseling -Korean SERVICES CENTER WebsitewwwAorearmnterorg 19120lva48 -Pre-purchaseHomebuWEdaationWork shops -Other 19120-1643 -Predatory Lending Education Worksbopt -Spanish -Renal Housing Counse ft - Vietnamese Fair Housing Are-Purchase Eduaulon Workshops Flrwcial Managemem/eudgetCaunselktg Mr.AIRY.U S A 8703 -Home knpuavement anti RthabSUatlon Counselkrg -Englafr Phone21S-844-6021 Germantown -MortgageDelinquencyandWitidtRe soknton Fac21S-844-9167 Ave-Suitt 200 Counselpg E-mail:tbntkrmmiahyusa otp PHILADELPHIA, -Non-Delinquency Post Purchase Workshops 1►H„•//s:n:nsr h,rri`.nv/nffit•oc/F+cer/efh/hr►r•1Fsr•a r•fs»9tsro}sT.icfArtintt-cPamhRrcPStt'rltctatP=PA In/1/71!1') u.a.fjepa=ent of rious>ing ana uman vevetopment(rtuu) rage ts of t4 t Webs(tc www mWryua.org Pennsylvania -Pre-purchase Counseling 19119-2109 -Pre-purdrase Homebuyer Education Workshops -Predatory tending Education Workshops -fair Housing Pte-Purdase Eduction Workshops NAG► 1341 N. -Financial ManagemeMlBudget Counseling NACA (NEIGHBORHOOD Photo 215-531-5221 Detawue Ave -Mortgage Delinquency and Default Resolution (NEIGHBORHOOD ASSISTANCE Toll-free:8S8-297-5568 Suite 312 Counselling -EagOsh ASSISTANCE CORPORATION OF E-malb pthamonamewn PHILADELPHIA. -Non-Dellmryency Post Purchase Workshops AMERICA Wabslte:wNw naa com Pennsylvania -Pre-putchase Counseling CORPORATION OF PHUDELPHW m .PA 19125-4300 -Pee-purchase Haebuyer Education Workshops AMERI[A) -Predatory tending Education Workshops Mortgage Delingmency and Default Resolution NEW KENSINGTON 25t3-1S Counseling -English Phorm:21 S-427-0350. Fran Word Ave -Non-Delinquency Post Purchase Workshops -Korean MON DEVELOPMENT E-mail:acAtomnkcdc.orp PHILADELPHIA, -Pre-purchua Counseling -Polish INtn VALLEY CORPORATION Website wwwjWte nom Pennsylvania -Pre-purchase Homebuyer Education Workshops -Spanish i 19125-1708 -Predarory tending Education Workshops -Ukrainian -Rental Housing Counseling -Fah Housing Pre-Purchase Education Workshops -Financial Management/budget Counseling -Hams Improvement surd Rehabilitation Counseling Phone 21 5-324-7500 $001 N Broad St 'Mortgage Delinquency and Default Resolution NORTHWEST Counseling - PENNSYLVANIA Fam:2l5-324-87s3 pIItAOBPHIA, COUNSELING -Non-Dallnqua icy Pon Purchase Workshops Cambodian HOUSING FINANCE SERVICE website:wwwwres.mm Pennsylvania 9141-2 17 -Pre-purchaseCounstlIng -English AGENCY VJebsltc www,nwaordhe.txm 19141-2217 _Pre-purchase Homebuyer Education workshops -Predatory tending Education Workshops -Rental Housing Counseling -Services for Homeless Counseling -Fah Housing Pre-Purchase Education Workshops -Financlal Management/Budget CaunsdMg Phone 215-324-0746-239 4281 North Sth -Mortgage Delinquency and Default Resolution NUEVA Few 215-324-2542 Street Counseling -English ESPERANZA,LNG. E-mail:mlanhareiB�espemnaau PHRADW40A. -Non-Ddlnquency Post Purchase Workshops -French Pennsylvania -Pre-parthueCounseling -Spaolsln welLQta www txbeiaa w i 9140-26'1 S -Pre-purchase Homabuycr Education Workshops -Predatory Larding Education Workshops -Rental Housing Counseling t3IS Wilnut5t -Amble PENNSYLVANIA Poonc:215-940-3901 Std floor COMMUNITY REAL E-math phtlAordfoeutummet PMladdphbk -Rental Housing Counseling Cambodian ESTATECORP. WebsitCwaw.rtum net pennsyMnh -English 19107+4719 PHILADELPHIA Phone:215-922-21SG 301-30S H.9th.-financial Management/BudgetCounseling - CHNNATOWN Faa:2ts-922-7232 Street -Mortgage Delinquency and Default Resolauon Cantonese DEVELOPMENT E-mailljddnillchkuawu-pcdeorg PAIIADELPFMA, Counseling -Chinese NATIONALCAPACO CORPORATION Websttee www.thlmtowtt-pedc oM PemsVivanla -Pre-purchua CounseNng Mandarin 19107-1409 -Fre-purchase Homebuyar Education Workshops -English Flnanchl ManagemerWBudget Counseling -Home Improverent end Rehabilitation Counseling PHILADELPHIA Pharw 215-567-7803 16171FK Blvd -Mortgage Delinquency and Default Resolution Ste 1550 Counseling NATIONAL COUNCIL FOR Fame 215-96 laghel Philadelphia, -Non-Delinquency Post Purchase Workshops -English COMMUNITY COMMUNITY r~malbhousln9helptPphllapmtarg Pennryhanp -Pre-purcl+aseCormseRng -SPaabh REINVESTMENT ADVANCt3dENT Websita www.pecahouilng.org 19103+1828 -Pre-purchase Homebuyer Education Workshops COALfFlON.INC. -Rental Housing Cauasethrg -Reverse Mortgage Counseling 4020 Market -"nancl alManagement/9udgetCounselling Phone:21 S-862-1612-24 Street -Mortgage Delinquency and Default Resolution THE PARTNERSHIP Fame 213-662-1703 PHILADELPHIA. Counseling -English CDC E-mall:sseottPthepastnershlpcd=m Pennsylvania -Non-Delinquency Post Purchase Workshops Webshcww*Ahepanncmhtpcdcotg 19104-3003 -Pre-purchase Counseling -Pre-purchase Hamebuyer Education Workshops 112 N Broad St UNEMPLOYMENT Phone:215-557-0022 11th Floor -Mortgage Delinquency and Default Resolution -English INFORMATION E-malberodrlguezOphilapupwi; PHILADELPHIA, Counseling -Spanish CENM Websitet www.phlkup.org Pennsylvania -Predatory Lending Education Work shops 19102-1512 Home Improvement and Rehabilitation Counseling - -Mortgage Delinquency and Default Resolution Cambodian 6.A innnni,7 U.S.Department of Housing and Urban Development(HUD) Page 9 of 14 s ' 2029$,Ben Counseling -English UNITED -Non-Delinquency Post Purchase Workshops - COMMUNITIES Fao�21 5-461042 -19 Street -Pre-purchase Counseling Indonesian MON VALLEY Fax;215-467-1042 PNILAOELPtOA, _ PHILADELPHIA E-mail darldsenpmuaeporp Pennsylvania 9146- 440 -Predatory Lending Ed6aglonWotksheps��ps -Other INITIATIVE 19146-2440 _Rental Housing Counseling -Spanish Phone:21 S Broad 21 S-985-3220-203 -Mortgage Oelhrgnherncy and Default Resolution Boor URBAN LEAGUE OF Faro21S-451-5006 Street 1 0th Counseling NATIONAL URBAN P14LADELPM E-mall:ktfot9utbanleaguephlisArg PHILADELPHIA. -Prn-purchase Counseling -English SUE WebsitcwAwurbanlaapueofph%&Arg Pennsylvania -Rental Housing Counseling 19t07-4533 -Financial Mwagemant/budget Coungeling -Home Improvement and Rehabilitation Counseling Phu=215-224-0880 7300-02 -Mortgage Delinquency and Default Resolution WEST OAK LANE Faro 215-224-6746 Door=Ave. Counseling COMMUNITY PHR.40ELPHIlk -Non-Delingnmtey Pon Purchase Workshops -English DEVELOPMENT E-mall: wwwmd®O illy or llyarg Pennsylvania -Pre-purchase Counseling Wabihc www.oarcphUlyarg 19138-1306 -Pre-purchase Homebuyu Education Workshops -Predatory Lending Education Workshops -Rental Horsing Counseling 425 6th Ave -Financial ManagemenOBudget Counseling Phone:412-281-2102 Suite 950 HOUSING ACTION-HOUSING, -Mortgage OeMnWency and Default Resolution INCORPORATED E-malt,aburkhartoaetionhousing.org PITTSBURGH, Counseling -Enough PARTNERSHIP Webshe:WrrwAsbe mm Pamsylvania -Pte-purchase Counseling NETWORK 11219-1819 2403 Sidney Pltone:866-699-2227 Street -Financial Managernent/Budget Counseling ADVANTAGE Toll-free 866-699-2227 River Park -Financial.Budgeting and Credli Repair Workshops NATIONAL CREDIT -Mortgage Delinquency and Default Resolution FOUNDATION FOR Fate 412-390-1335 Cormuom � -Enppth COUNSELING E-mail:Info®advantapeas orp PITTSBURGH, Counsel CREDIT SERVICE Wobskewww.adnotaiitt org Pennsylvania 'Pre-purchase Counseling COUNSELING,INC. iS203-2167 -Reverse Mortgage Counseling 2640 Liberty -Fair Housing Pre-Purchase Education Workshops FAIR HOUSING Phorm 412-391-2535-201 Avenue -Pre-patehase Counseling PARTNERSHIP OF Fare 412-391-2647 ` Suite 205 r Pre-purchase Homebuyer EducatiomWorlahops..-. Engllslu MON VALLEY GREATER E-math patettDpltttbutphhfrhaushnp carp PITTSBURGH. -Pndasoty tending Education Workshops -French IKTMTIVE PITTSBURGH,INC. LYebsitc nnuw.plitsburghfahrhousingarg Pennsylvania -Rem)Housing Counseling -Spanish 15222-4775 -Renal Housing Workshops -Services for Homeless Counseling 285 Bellevue -Nome improvement and Rehabilitation Cation Counseling Phone:412-931-1039-1320 -Mortgage Dolingaeney and DeWrk Regulation NAZARETH F=412-931-725S Read Counseling MON VALLEY HOUSING SERVICES E-mail: Pennsylvania -Pre-parchaseCounteRap English INITIATIVE WebsttcwwtxMinanororg 15229.2173 -Pre-pnrchaseHamebuyer Education Workshops -Ramal Housing Counseling NEWBORWORKS -Financial ManagemeWBudget Counseling WESTERN 710 Sth Ave -Mortgage Delinquency and Default Resolution PENNSYLVANIA, Phone 412-281-9773 Suite 1000 Counsethe NEIGHBORHOOD FORMERLY E-malh dnevsonift wpa.org PITTSBURGH. -Nan-i alinqueney Post Purchase Workshops -English REINVESTMENT NEIGHBORHOOD Webslte:wmv nwwpa.otg Pennsylvanla -Pre-purchase Counseling CORPORATION HOUSING 15219-3003 -Pre-purchase Homebuyer Education Wwbhops SERVICES,INC. -Predatory Lending Education Workshops -Mortgage Delinquency and Default Resolution Phone:412-227-4163 610 Wood Street Counseling URBAN LEAGUE OF -Non-Dalloqueacy Post Purchase Workshops Fare4t2-471-8199 PITTSBURGH. -Ertgilsh NATIONAL URBAN GREATER E-maih ewdt@u -Pte-purchase CounsFilnp PITTSBURGH ipghorp 15222 2519 -Pre-purchaseNomebuyer Education Workshops Spanish LEAGUE . Websltctaww4ripgh cars 1 5 22 2-2 5 1Q -Predatory Lending Fducatlon Workshops -Rental HousIng Counseling - Financial Malagament/Budget Counseling Phone:S70-602-2227 401 Laurel St -Mortgage Delinquency and Default Resolution CCCS OF Toll-fns 800.922-9537 Pliuto%PA Counseling NATIONAL NORTHEASTERN Fanc 570-602-2236 186411-3SS7 -Non-DeRngnency Post Purchase Workshops -English FOUNDATION FOR PENNSYLVANIA E-mail:ecesnepamepiraet Phtstom -Pre-purchase Counseling -Spanish CREDIT Wabsitc wvAV emaepaarg Pennsylvania -Pe-purchase Homebuyer Education Workshops COUNSELING,INC. 18644+3557 -Rental Housing Counseling -Services for Homeless Counseling FInancW ManagetneAt/budgetCownsebng Phone 666-232-9060 265 W High St., -14ortgaoe Delinquency and Default Resolution MONEY Toll-free 866-232-9080 State 2 Counseling MONEY Jf_,,..-...1...1 -../-GC---A.-./.,1L/Lww/t..ww ..Q.,.O.....T.T:..+A..ti�w- a.enr..hAroe�en�otnensUA inn nni, u.a.veparcment or mousing anti urban veveiopment(kiw) Page 10 of 14 MANAGEMW 'Fam 866-921-5129 POTTSTOWN, -Non-DellaquencyPon Purchase Workshops MANAGEMENT INTERNATIONAL E-mail: Pennsylvania -Pre-purchase Counseling -English INTERNATIONAL POTTSTOWN 19464-6311 -Pie-purchase Homebuyar Education Workshops -Spanish INC. Webslte wxw.moneymanagem marg -Rental Housing Counseling -Financial Mansgement/Bud9et Counseling -Noma lmplo' malt and RehabRitulon Counseling Phone:570-622-1995 225 N.Cerure -Mortgage Delinquency and Default Resotio lun StUtUYUIIt Fax:570-622-0429' Counseling OOMMUNRY E-math POTi5V1)LE, -Non-Dalloquenty Past Purchase Workshops kit ACTION Infa�sdwylkilioorm. nityactfon.wm ��cy nE -Put-putduueCounseling - Websltes 1 nnsvIv cal -Pre-purchase Homebuyer Education Work shops wwwAdwylkltlmmmunhyAdJon nom -Predatory Lending Educatlon Workshops -Rental Housing Counseling -SeMm for Homeless Counseling Flnamkl Managcment/8udget Counseling -Home hnpravement and Rehabilitation Counseling SERK$COMMUNITY Phone:610-375-7866 I47 N.Stis St. -Mortgage DeBnquencyy and Default Resolution ACTION PROGRAM F=610-375-7830 READING, •Cmmteling -English BUDGET COUNSEL E-mall:tvas*mzVkapbvft erg Pemmylvanta -Nan-Dellnquancy Post Purdwe Workshops -Spanish 19601-3303 -Pre-purehaseCoameling •Rental Housing Counseling -SerAm(orHmnekss Counseling Phone:066-232-9060 21b1 Canoe -Financial ManagemeM/eudgetCounsel" Ave. -Mortgage Delinquency and Debuk Resolutions MONEY Toll-frceB66-232-9080 MONEY MANAGEMEiT Fair 966-921-5129 CTCEFedem) Counseling -EngBah MANAGEMENT iNTERNATIONAL E-malb Credit Union -Non-Deliaquemcy PM Purchase Workshops -Spanish INTERNATIONAL WYOMiSSiNG caumeliogiafoOmoneymanagememorg REAOtNG. -Pre-pmchasecoustling INC Wobsitesvnwmoneymanagementorp Pennsyk,&* -Pre-purchaseHooidwyerEduculooWorkshops 19605-2872 -Rental Housing Counseling Fair Housing Pm-Purchase Education Workshops -Financial Matutpment/Budget Counseling 213 N Sth St Ste -Home Improvement and Rehabilitation Counseling NEIGHBORHOOD phony 610-372-8433 1030 -Mortgage Delinquency and Default Resolution NEIGHBORHOOD HOUSING SERVICES E-mall:shulfordfehsgreatetbetks.otg Reading, Counseling -English REINVE MENT OFGREATER WabsRasnw//atkroom Penmylvanla• -1Ten-OdMquenev Post Purdgse Workshops -Spanish CORPORATION BERKS,INC. =Pre-gurihtse'CoOlueltng 19601+3392 -Pie-purchase Hamehuyer Education Workshops -Predatory lending Education Workshops -Rental Housing Counseling -Financial Management/8udgetCounseling Phone 215-348-8003 832 Smad -Mortgage Denngatncy and Default Resolution CREDIT Toll-free 677-900-4222 Street Pike Couruelleg -Non-Delinquency Pest Putdwc Workshops COUNSELING Fare 21 5-396-8072 R1�DfB01tO, -English CENTER E-mall:Crndygem-oedlLcom Pennsylvania -Pre-purchase Counseling %lebsltcwww.eee-vedlLeom/ 18954-1098 -'due Homeboyer Education Workshops.. -Predatory tending Education Workshops . -Rental Housing Counseling Ski Fig Street -Fair Housing Pro-Purehata Education Workshops CATHOUCSOCIAL Phone$70-207-2268-122 St.Catherine -Mortgage Delinquency and Default Resolution -English SERVICES,DIOCESE Fars 570-207-2206 Manor Counseling -Faml CATHODIC OF SCRANTON E-math menyleVatso mhm.org SCRANTON. -Pre-purchase Counseling -Russian CHARITIES USA Websiteswww4loceseoGaanton.org Pentuylvuda -RentalHousingCosnseling -Spanish 18505-1753 -Stork n for Homeless Counseling -Fan HousingPre-Purchase Education workshops -Fluwmdal Management/Budget Counseling NEIGHBORHOOD -Home kaprovement and Rehabilitation Counseling HOUSING SERVICES Phone 570-SSS-2490 709 E Market St -Mortgage Delinquency and Default Resolution OF LACKAWANNA Far:570-558-2496 SCRANTON, Counseling NEIGHBORHOOD COUNTY E-mall:esanderst#nhsiaclalwannapaArg Permsyhranla -Non-Dettssquenry Past Purchase Workshops 'English RE INVESTMEH7 (FORMERLY Webslte:www.aske.mm 18509-1228 -Pre-purchaie Counseling CORPORATION SCRANTON HIM -Pte-purchase Homebuyer Education Workshops -Predatory Lending Education Workshops -Rental Housing Counseling EINETEn -Fair Housing Pre-Purchase Education Workshops NEIGHBORHOOD Photse:570-346.0759-103 42S Alder Su -Finandal Management/Budget Counseling CENTERS OF Fah=570-207-4242 SCRANTON, -Mortgage Delinquency and Default Resolution -Engttsh NORTHEASTERN E-mall:mhamleylumm pa.org Pennsylvania Counseling -Spanish PMNSYLVANW Wabske:wow um mepa.mp. I SSOS-4126 -Non-Delinquency Post Purchase Workshops -Pre-purchase Counseling -Pre-purchase Homelswer Education Workshops t......rf.-.-.t__d .-..l.L7C-.-1t.. ./.iT.IL.•1L.... .iS..r1.....l.T:..fA..tin«—e.n�.nl��.no�«nee.*n+oaUA in/wmv) u.a.11eptimicut,uL nousing anu uloun weVetupment knu1JJ rage ii or lr+ -Predatory Landing Education Workshops -Rental Housing Counseling -Services rot Homeless Counseling Phone:M-353-2227 734 Stambaugh _Financial Management/budget Counseling Toll-frl:800-BSS-2227. Ave CCCS OF THE -Mongolic Dctlnqueacy and Default Resolution COCS OF THE f=614-552-4800 SHARON, -English MIDWEST/APPRiSEN Counsellfto MIDWEST' I= kdoftppdsen.eom Pennsylvania Non-Dalknquency Post Purchase Workshops Websitc:wwaapprhencom/homeup 16146-4181 -Fair Housing Pre-Purchase Education Workshops logs. -Financial Mansgement/Budget Counseling COMMUNITY Phone:724-342-3582-105 Sharpsvllle -Financial,Budgeting and Credit Repair Workshops ACTION Foe 724-342-3450 Avenue -Mortgage Delinquency and Default Resolution -English MON VALLEY PARTNERSHIP Of E-mall edrhl!ecaPmercarerg Suite B Coenselinq -Spanish 'INITIATIVE MERCER COUNTY Websh:swvw.capmemer.org SHARON. -Pre-purchase Counseling Pennsylvania -Predatory Lending Education Workshops 16146-1817 -Rental Housing Counseling -Services for Homeless Counseling -Fair Housing Pn-Purchase Education Workshops -Financial Managermat/Budget Counseling -Financial,Budgeting and Credit Repair Workshops -Home lmproftment and Rehabilitation Counseling -Monpage.Delinquency and Default Resolution 218 Kimberly Counseling SOUiHWESS1IIW Phoq:800-846-0871 -Non-DeiktquerrcyPost Purchase Workshops SOUTHWESTERN Suite 100 PENNSYLVANIA Totl-Inca 886-855-3873 Ave. -Pre-purchase Counseling -English lENNYSLVANIA LEGAL SERVICES, Faso 724-250-1078 SOMERSET. -Pre-purchase Homebuyer Education Workshops LEGALSERVICES INC. E-mall:kdsttemsplasmM PeanrAnnia -Predatory Lending Education Weukshops INQ 1SSOI-1461 -Rental Homing Counseling -Rental Housing Workshops -Resomno/Prewtminq Mortgage Delinquency Workshops Reverse Mortgage Counseling • Services fat Homeless Counseling -FlnancWl Management/Budget Counseling -Mortgage Delloqueacy and Defeult Resolution • ,: Phon:215-566-5335 s 240 N.Bishop 'Counseling• -. •..«� CCCS OF Street -Non-Odinqueaey Post Purchase Workshops CCCS OF DELAWARE VALLEY,ToB-free:800-989-2227 SPRINGFIELD. -Pre-purchase Counseling -English DELAWARE VALLEY, INC.ORACJARtfl Faw215-S63-7020 Pennsylvania -Pre-purchaseHomebuyer Education Workshops INC.034CLARiFi. 19064-3347 -Predatory lending Education Workshops Rental Housing Counseling -SeMees for Homeless Counseling -Financial Management/eud9et Coonsetkhg Phon:1114-238-3668 202 W.Hamilton -Mortgage Delinquency end Default Resolution CCCS OF Toll-free: unseling 800-422-9557 Ave.Ain. CCCS Of NORTHEASTERN Faso 814-238-3669 STA-MCOLLEGE. -Non-Delinquency Post Purchase Workshop ERN s _English NORTHEAST PENNSYLVANIA E-malb oasneparmcetehetworks mm Pennsylvania _Pre-purchase Counseling PENNSYLVANIA Wthshe:www cc:csnepa.org 16801-5218 -ft-purchase Homebuyer Education workshops -Rental Housing Coues i ft -SeeviFes for Homeless Counseling -FManchl Management/Budget Counseling Phone:570-420-8960 411 Main Street, -Mangaga Delinquency and Default Resolution CCCS OF Tollfre:80D-922-flS37 Suite 102 Counseling CCCS OF NORTHEASTERN Fars 570-420-8981 STROUDSBURC, -Non-Oennquency Post Purihase Workshops .English NORTIMSYERN PENNSYLVANIA E-MAIL:.ceanepa"tdttet Pennsylvania 'Pre-purchase Counseling PENNSYLVANIA Websitc:www amneps.arg 18360-2477 -Pm-purchase Homebuyer iduation Workshops -Rental Housing Counseling -SerNces for Homeless Counseling -Financial ManagementiBudget Counseling 217 S.Center -Mortgage Delinquency and Default Resolution Phee:800-922-9537 Counseling CCCS OF Toll-free: Street -Non-Oelhhquency Post Purchase Workshops CCCS OF : NORTHEASTERN SUNBURY. -Pre-purchase Counseling -English NORTHEASTERN PENNSYLVANIA Websitet www.a>rcnepa.org Peansylvarda -Pre-purchase Homebuyer Education Workshops PENNSYLVANIA 17801-3188 _Rental Housing Consoling -Services.for Homeless Counseling -Farr Housing Pro-Purchase Education Workshops -financial Management/Budget Counseling -Financial.Budgeting and Credit Repair Workshops -Home improvement and Rebabitltation Counseling htf'n-//un,vnu hnri onlr/n rwrlhcw/rfh/llrtA/hcc r.fTn?wi-hT.is tActinn=.genrrhRrcearchctate=PA 10/1/2012 U.S.Department of Housing and Urban Development(HUD) Page 12 of 14 i •Mortgage Delinquency and Default Resolution Counseling -No*-Otllnquency Post Purchase workshops Phonc 800-846-0871 4S East Main -Pte-purchase Camsellng SOUTHWESTERN loo-free:$$9-855-3873 Street Supt 200 -Pre-purchase Nomebuyer Education Workshops SOUTHWESTERN PENNSYLVANIA -Predatory Lending Education Workshops PENNYSI VANIA Fans 724-250-1078 UNiGNTOWN, -English I EGAI SERVICE, E-mahl:luhtie*splo&wg pennsyNnu to -Rental Housing Counseling LEGAL SERVICES INC. Webskewwwaplas.org TS401-3570 -Rental NousingWarkshops INC. -Resolving/Preventing Mortgage Delinquency Workshops -Reverst Mortgage Counsellog -Services het Honxless eounneling -Fair Housing Pre-Purchase Education Workshops 22S -Financial Management/8udgetCounsegng PENNSYLVANIA -Home Improvement and Rehabilitation Counseling Photm:814-7x6-2400 -Mortgage Ddlnqueney and Default Resolution WARREN FOREST WARREN,PA Too-free:800-231-1797 AVENUE WEST Counseling PENNSYLVANIA COUNTIES DC Far.1114-723-0510 16365 -Non-Delinquency Post Purchase Workshops -English HOUSING FINANCE E-mail:valbleoMeta.arg WARREN, -Pit-purchase Counseling AGENCY Webshc wwwwfeaLwg PennsvwMa -Pre-punhase Homelwyer Education Workshops 1636S-2428 -Pstdatmy Lending Education Workshops -Rental Housing Counaeting -Services for Homeless Conmding -fair Housing Pea-Prsrthase Education Workshops Financial Managemem/8udget Counseling -Rnamial,Budgeting and Credit Repair Workshops -Home Improvement and Rebabilnatian Counseling Mortgage Delinquency and Default Resolution Phan 724-22S-9550 150 W Beau St Counselhg COMMUNITY Too-free=877-814-0788 Ste 304 -Non-Odd quency Post Purchase Workshops AC710M Far.724-228-9966 Washington, -Pre-purchase Counseling «English SOUTHWEST E-mall:r►aheoieryOnswg pp Pennsylvania -Pseywrchase Homebuyer Education Workshops Webshet wwwenm org 15301-4425 -Predatory Lending Education Workshops -Rental Horsing Counseling -Rental Housing Workshops -ResoMag/Preventing Mortgage Delinquency • •• Workshops -Servms for Homeless Counseling -Fair Housing Pre-Purchase Education Workshops -Financial Management/6udget Counseling -Mrswelil,Budgeting and Credit Repair Workshops -Noma Improvement and RehabBitation Counseling -Mortgage Delinquency and Default Resolution Phones B00-846-0871 10 West Cherry Counseling SOUTHWFTERN Avenue -Non-DelinquencV Post Purchase Workshops PENNSYLVANIA Too-free 50-855-3873 Central Office -Pre-purchase Counseling -thsgilsh LF.GALSERVICES Fax;724-zs a toy$ WASHINGTON, -Pre- rchase Homeb E-mall:kNWemsptas.otp Pas Wet Education Workshops -SpaNsh INC' Wabslte:tvwwspIuwg Permsykvanls -predatory Lending EdueattanWorkshops 15301-6808 -Rental Housing Coansding -Re"Housing Workshops -Resolving/Preventing Mortgage Delinquency Workshops -Reverse Mortgage Counseling Services for Homeless Counseling -Fair Housing Pte-Purchase Education Workshops -FTnaaWi Management/Budget Counseling -Financial.Budgeting and Credit Repair workshops -Home Impmvernemand Rehabilitation Counseling -Mortgage DeBngpency and Default Resolution Phone:900-846-0871 63 South Counseling SOUTHWESTERN Tell-free:888-8S5-3873 Washington -Non-Delinquency Post Purchase workshops SOMWESTERH PENNSYLVANIA Fast 724-2SD-1078 Street -Pre-purchase Counseling -aglith PEMNYSLVAHIA LEGALSERVICES E-mall kristleosplas org 1VAYNEMRG. -Pro-phucbase Homcbuyer Education Workshops LWALSERVICES Wabslte7 www.soss.org Perms*nla -Predatory lending Education workshops INC. 15370-2035 -Rental Housing Counseling -Rental Housing Workshops -Resolving/Preventrg Mortgage Delinquency Workshops -Reverse Mortgage Counseling -Services for Homeless Counseling -Financial Management/Budget Counseling -Mortgage Delinquency and Default Resolution . .. .. . • r ew r t +• A n .. .r n -_.+.T z..a _.,.... -_.__s a._--__L-a-a_X71 A t Ait/,1A1-1 v.a. licpaument oz nousmg ana uroan weveiopment(Hulk) Page 13 of 14 A Counseling Phone:800-989-2227-2 770 E.Market -Hon-Delinquency Post Purchase Workshops _ CCCS OF Toil-free 60o-989-2227 Street,Suite 190 -Pre-purchase Coonseling CC6 OF DELAWARE VALLEY, FEC 21 5-563-7020 WEST CHESTER, -Pee-porchase Homebuyer Education Workshops Cantonese INC OBA CLARFi E-mall antamentervIafteesdv erg Pennsylanta -Renal Housing Counseling English DEL A WAR E VALLL EY. Webstr wwArAwdv erg 1982-4879 -Reverse Mortgage counseling Spanish R A -Services for Homeless Counseling Phone 666-232-9080 -Financial Managemam/&rdget Counteling MONEY Too-fret:866-232-9060 3571 Crescem -Mortgaga Detknquency and Default Resolution MANAGEMENT Fasc866-921-5129 Cam East Counseling MONEY INTIMNA7IONAL E-malt WHTTEH&L r -Mon-bel nquenvy Post Purchase Workshops -Eegilsl MANAGEMENT WHITEHALL Pmnsytanla -Pre-purchase Counseling -Spanish JUMNATIONAL l e s g tHG Webslte:www.moneymanagement org 18052-3400 -Pre-purchase Homebuyer Education Workshops -Rental Housing Counseling -Financial Management/Budget Counseling Phone S70-821-0837 77 E.Market -Mortgage Delinquency and Default Resolution CCCS OF Too-freer 808-922-9537 Street,7111 floor Counseling CCC50F NORTHEASTERN Fake S70-821-1791 WR KES BARRE, -Non-MlInquency Post Purchase Workshops English CCCS EASTERN PENNSYLVANIA E-ma0:ceesofpaacirl net Pennsylvania -Pte-purchase Counseling PENNSYLVANIA Webs IC ww,ccesntpa.aro 19 nsyhmr 6 -Pre-purchase Homebuyer Education Workshops -Rental Housing Counseling -Services for Homeless Counsellap -Home Irnpmvvmnt and Itt4blittation Counseling Phone S70-626-0510 -Mortgage Delinquency and Default Resolution COMMISSION ON Fax:570-829-1665 16S Amber to Counseling ECONOMIC E-mail:aoosunonk tnet +WUES BA -Non-Delinquency Post Pardue Workshops -English OPPORTUN"OF Wabsite: Panntytvanta -Pro-purchueCounseling -Spanish LUZERNECOUNTY bttP s:/lwwwctopeaplehelpingpupleArg 18702-6545 -Pte-purchaseHomebtuyer Education Workshops -PtedatorY Lending Education Workshops -Rental Housing Counseling -Financial Managemem/lwdget Counseling Phone:570-323-6627 201 Basle -0,1011949e Delinquency and Default Resolution CCCS OF Toti-from 800-922-9537 Street.Suite 600 Counseling Car NORTHEASTERN Far.370-323-6626 WiLLLAAiSPORT� -�-Odmquency Post Pardue Workshops -�gBab CCR� N PENNSYLVANIA E-malb ttonepa5mtplunet Pennsylvania -fie-purchase Camhstprlg PENNSYLVANIA Welisltc:Www,memrpa erg 17701-Sil6o -ho-purchase Namhuyer Education Workshops -Rental Housing Counseling -SeMas for Nameless Contacting -Fair Housing Pre-Purchase Education Worbhopt -Fksnctal Management/8ndget Counseling -Mortgage Delinquency and Default Resolution Phoao:717-1153-2752 290 West Market Counseling Fare 717-855-2747 Street -Non-Delinquency Post Purchase%Vwkshops HOUSING E-mall: YORK. �-perchaseCounseling -English ALLIANCE OF YORK -Pte-purchase Homebuyar Education Workshops -5 ankh ehristt�noasingaplanantyork.ttrm Pennsylvania -Rental Nouslrep Counseling P P Webtatct wwW.houtlrhpa111mrcooyorkeom 17401-1008 -Rental Housteg Workshops -RtsoMflg/Pteveratng Mortgage Delinquency Workshops Reverse Mortgage Counseling You can narrow your search within this state by using one or more of the faowrAng search criteria and clicking the*Search'button.To choose another state please dick on the*Go Raw link or the top of this page. Agency Name: Spedoc City: Specific zip 771 Coutaeling Sege .._ Language: Parent Organiullon: r',Colaniu Destgnatlon: t'1 Migrant Workers 0 Faith Baled �eaeeh; ittM•/kananv hnri onvin,FFirae/hcakflT/hrrlhrc rfm7wP.hT.istArlinn=cParch.QicP:arrhctate PA 10/1/2(112 U.S.Department of Housing and Urban Development(HUD) Page 14 of 14 IL Dowidcad Adobe Acrobat Reader to view POF Ries footed on tbb site. RECOt=ER1f=Y 1 Bm*e Infwmaddn en EWAAoi I Acoeutblilty I COA=faro I P*4nyPolity I FOW I Web Petldes and Important links _t.7:_4 A_a:.. —.......�..1»0...:...«.1»�MM�DA 7A/TMI1v1 2—U t C C-" . SHERIFF'S OFFICE OF CUMBERLAND COUNTY 3� C�- Ronny R Anderson co Sheriff Jody S Smith of Chief Deputys. Richard W Stewart Solicitor �Fttc rub fi�-F , Federal National Mortgage Association vs. Case Number Richard E. Clouser(et al.) 2013-2423 SHERIFF'S RETURN OF SERVICE 05/10/2013 05:41 PM-Deputy Ryan Burgett, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Sherry Clouser,wife of defendant,who accepted as"Adult Person in Charge"for Richard E. Clouser at 617 Colonial View Rd., Unit 18, Upper Allen, Mechanicsburg, PA 17055. RYAN BURGETT, DEPT=- 05/10/2013 05:41 PM- Deputy Ryan Burgett, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by personally"handing a true copy to a person representing themselves to be the Defendant,to wit: Sherry A. Clouser at 617 Colonial View Rd., Unit 18, Upper Allen, Mechnanicsburg, PA 17055. R7AN BU RGETT, SHERIFF COST: $55.30 SO ANSWERS, May 13, 2013 RONI`Y R ANDERSON, SHERIFF (.it)CountySuile Stionfl,'ioleosofi Inc, #32077CF3-DN IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA FEDERAL NATIONAL MORTGAGE ASSOCIATION C-- J: Plaintiff (-- 51 V. NO. 13-2423 eor- C:) -.4p. RICHARD E. CLOUSER AND SHERRY A. C-5 -0 0 CLOUSER C=-- Defendant(s) C::1 PRAECIPE FOR DEFAULT JUDGMENT To the Prothonotary: ()CX) Enter judgment in favor of Plaintiff and against: Richard E. Clouser and Sherry A. Clouser for want of an answer. (X) Assess Damages as Follows Debt $ 145,484.54 Interest from 04/24/2013 to 6/17/13 At$7.64 per them $ 420.20 Total $ 145,904.74 I CERTIFY THAT THE FOREGOING ASSESSMENT OF DAMAGES IS FOR SPECIFIED AMOUNTS ALLEGED TO BE DUE IN THE COMPLAINT AND IS CALCULABLE AS A SUM CERTAIN FROM THE COMPLAINT. I certify that written notice of the intention to file this Praecipe was mailed or delivered to the party against whom judgment is to be entered and to his attorney of record, if any, after the default occurred and at least(10)days prior to the date of the filing of this Praecipe. A copy of the Notice is attached. R.C.P. 237.1 Respectfully Submitted, MARTHA E. VON ROSENSTIEL,P.C. Martha E.Von Ros+stiel, Esquire Heather Riloff, Esql k!'. Attorneys for Plaintiff This 1P day of 2013 judgment is entered in favor of the Plaintiff and against Defendant(s), Richard E. Clouser and Sherry A. CI ser b,default for want of an amwer and damages assessed at the sum of$145,904.74 as per the above 5 f c I Prothonotary, Cum TLd'County MARTHA E.VON ROSENSTIEL,P.C. #32077CTID-MB Martha E.Von Rosenstiel,Esquire I No.52634 Heather Riloff,Esquire/No.309906 649 South Avenue,Suite 7 Secane,PA 19018 (610)329-2887 Attorneys for Plaintiff FEDERAL NATIONAL MORTGAGE COURT OF COMMON PLEAS ASSOCIATION CUMBERLAND COUNTY 3 900 Wisconsin Avenue,N W Washington,DC 20016-2892 1 Plaintiff V. Case No: 13-2423 RICHARD E.CLOUSER AND SHERRY A. CLOUSER 617 Colonial View Road Unit 18 Mechanicsburg,PA 17055 Defendants TO: Richard E.Clouser 617 Colonial View Road Unit 18 Mechanicsburg,PA 17055 IMPORTANT NOTICE YOU ARE IN DEFAULT 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 DAYS FROM THE DATE OF THIS NOTICE,A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER,GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER,THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE,PA 17013 717-249-3166 $00-990-9108 Respectfully Submitted, MARTHA E.VON ROSENSTIEL,P.C. B Martha E. Von Ro tiel,Esquire Heather Riloff, re Heather f or "Attormmeysfor Plai i rei'l Dated: 5/31/13 MARTHA E.VON ROSENSTIEL,P.C. #32077CTI)-MB Martha E.Von Rosenstiel,Esquire I No. 52634 Heather Riloff,Esquire I No.309906 649 South Avenue,Suite 7 Secant, PA 19018 (610)328-2887 Attorneys for Plaintiff FEDERAL NATIONAL MORTGAGE COURT OF COMMON PLEAS ASSOCIATION CUMBERLAND COUNTY 3900 Wisconsin Avenue,NW Washington,DC 20016-2892 Plaintiff V. Case No: 13-2423 RICHARD E.CLOUSER AND SHERRY A. CLOUSER 617 Colonial View Road Unit 18 Mechanicsburg,PA 17055 Defendants TO. Sherry A.Clouser 617 Colonial View Road Unit 19 Mechanicsburg,PA 17055 EMPORTAM NOTICE YOU ARE IN DEFAULT 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 DAYS FROM THE DATE OF THIS NOTICE,A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER,GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER,THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE,PA 17013 717-249-3166 800-1990-9108 Respectfully Submitted, MARTHA E.VON ROSENSTIEL,P.C. Martha E. Von Ro e tiel, • quire Heather Riloff,Es Dated:5/31/13 Attorneys for PltaWdinti #32077CFJ-DN MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire/No. 52634 Heather Riloff, Esquire/No. 309906 649 South Avenue, Suite 7 Secane, PA 19018 (610)328-2887 Attorneys for Plaintiff FEDERAL NATIONAL MORTGAGE COURT OF COMMON PLEAS ASSOCIATION CUMBERLAND COUNTY Plaintiff VS. . , No: 13-2423 RICHARD E.CLOUSER AND SHERRY A. CLOUSER Defendant(S) NON MILITARY AFFIDAVIT Martha E. Von Rosenstiel,P.C.by the undersigned hereby certifies that: 1: 1 am the attorney for the plaintiff herein. 2. The individual involved in this action is the owner of the premises described in the mortgage underlying this action. 3. The procedures of the Law Office of Martha E.Von Rosenstiel,P.C.are designed to discover facts concerning the military status of the mortgagor(s)and/or real owner(s). 4. Said procedures were followed in connection with the instant foreclosure proceeding. 5. Inquiry made with the Department of Defense,has confirmed that the defendant(s)is/are not in the military. 6. On information and belief,named mortgagor(s)and real owner(s)is/are not incompetent nor a service member in military service as defined by the Servicemembers Civil Relief Act, 50 U.S.C. Appx. Section 501 et seq. This verification is made subject to the penalties of 18 Pa.C.S. §4904 relating to unswom falsification to authorities. Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P.C. BY: C- L< ,. Martha E.Von Rosenstiel, Esquire Heather Riloff, Esquire Attorneys for Plaintiff Dated: June 15,2013 OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Court House, I Courthouse Square, Carlisle, PA 170I3 Richard E. Clouser David D. Buell, Prothonotary 617 Colonial View Road Unit I8 . Mechanicsburg, PAI7055 FEDERAL NATIONAL MORTGAGE COURT OF COMMON PLEAS ASSOCIATION CUMBERLAND COUNTY PLAINTIFF VS. RICHARD E. CLOUSER AND SHERRY A. NO: 13-2423 CLOUSER DEFENDANT{S} : 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 in the amount of $I45,904.74 on June 17,2013. David D. Buell Prothonotary l.^_I Judgment by Default F] Money Judgment Judgment in Replevin Judgment for Possession F] Judgment on Award of Arbitration Judgment on Court Findings If you have any questions concerning this notice, please call: Martha E.Von Rosenstiel, P.C. at this telephone number:610-328-2887. t OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Court House, I Courthouse Square, Carlisle, PA 17013 David D. Buell, Prothonotary Sherry A. Clouser 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 FEDERAL NATIONAL MORTGAGE : COURT OF COMMON PLEAS ASSOCIATION : CUMBERLAND COUNTY PLAINTIFF VS. RICHARD E. CLOUSER AND SHERRY A. NO: 13-2423 CLOUSER ; DEFENDANT{S} 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 in the amount of $145,904.74 on June 17,2013. David D. Buell Prothonotary Judgment by Default Money Judgment Judgment in Replevin Judgment for Possession F1Judgment on Award of Arbitration Judgment on Court Findings If you have any questions concerning this notice, please call: Martha E.Von Rosenstiel,P.C. at this telephone number:610-328-2887. MARTHA E. VON ROSENSTIEL, P.C. Heather Riloff, Esquire/I.D. No. 309906 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff FEDERAL NATIONAL MORTGAGE COURT OF COMMON PLEAS ASSOCIATION CUMBERLAND COUNTY 3900 Wisconsin Avenue,NW Washington, DC 20016-2892 Plaintiff VS. RICHARD E. CLOUSER AND No. 13-2423 SHERRY A. CLOUSER 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 Defendants CERTIFICATION OF SERVICE Heather Riloff, Esquire hereby certifies that she is the attorney for the Plaintiff herein, and that service of the Motion to Remove Case from the Cumberland County Residential Mortgage Foreclosure Diversion Program and to Confirm the Default Judgment and Writ,of Execution Entered on June 20, 2013, attached exhibits, Notice of Presentment and proposed order in the above matter was made upon the Defendants: Richard E. Clouser and Sherry A. Clouser 617 Colonial View Road, Unit 18 Mechanicsburg, PA 17055 by regular first class mail, postage prepaid, deposited with the United States Postal Service on _ $1 . This verification is made subject to the penalties of 18 Pa.C.S. §4904 relating to 6isworn falsification to authorities. BY: Heather Riloff, Esq ' Attorney for Plaintiff Dated: Qv�a3 IN THE COURT OF COMMON PLEAS FOR CUMBERLAND COUNTY, PENNSYLVANIA FEDERAL NATIONAL MORTGAGE COURT OF COMMON PLEAS ASSOCIATION CUMBERLAND COUNTY 3900 Wisconsin Avenue,NW C= Washington, DC 20016-2892rn x�. Plaintiff r75 VS. ; < W RICHARD E. CLOUSER AND No. 13-2423 = =M M:- r= SHERRY A. CLOUSER zC) 617 Colonial View Road Unit 18 D C-- t,0 CD Mechanicsburg, PA 17055 Defendants ORDER OF COURT AND NOW, this Z S day of hwS 4^ , 2013, upon consideration of Plaintiff's Motion to Remove Case from the Cumberland County Residential Mortgage Foreclosure Diversion Program and to Confirm the Default Judgment and Writ of Execution Entered on June 20, 2013 and the Defendants having failed to comply with the requirements of the Cumberland County Administrative Order dated February 28, 2012, it is hereby ORDERED that this matter is removed from the Cumberland County Residential Mortgage Foreclosure Diversion Program. The temporary stay on this matter is terminated. It is hereby further ORDERED that the Default Judgment and Writ of Execution entered on June 20, 2013 are hereby confirmed. BY THE COURT: Co-lt-Fs f • kt,6f--t' J. �YL.. #32077CAM - DN MARTHA E. VON ROSENSTIEL,P.C. Martha E. Von Rosenstiel, Esquire/No. 52634 Heather Riloff, Esquire/No. 309906 c -a 649 South Avenue, Suite 7 C tart. ' Secane PA 19018 z ` (610) 328-2887 Attorneys for Plaintiff FEDERAL NATIONAL MORTGAGE COURT OF COMMON PLEAS C-) ASSOCIATION CUMBERLAND COUNTY N Plaintiff VS. NO: 13-2423 RICHARD E. CLOUSER AND SHERRY A. CLOUSER Defendant(s) AFFIDAVIT OF SERVICE OF NOTICES PURSUANT TO RULE 3129.1 Martha E.Von Rosenstiel,P.C.by the undersigned for the Plaintiff in the above action, hereby verifies that on q "�� 3 g true and correct copies of the Notice of Sheriff s Sale were served upon recorded lienholders and any known interested parties by regular first class mail, postage prepaid with Certificate of Mailing evidencing said service attached hereto as Exhibit 1. I verify that the statements"made in this affidavit are true and correct upon 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. Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P.C. B Martha E. Von R enstiel Esquire Heather Riloff, Es uire Attorneys for Plainti AddName ress MARTHA E.VON ROSENSTIEL, P.C. ❑ Registered ❑ Return Receipt for, certmed of copies o tor Registered Mail: additional co les oft ' and Attorne At Law for Merchandise ❑yj/ith Postal Insurance p Of 649 South Avenue, Unit 7 ❑ Insured ❑Without Postal t �1 Sender Secane, PA. 19018 ❑COD ❑ Int'I Recorded Del. Insurance / PITNEY BOWES ❑Certified❑ Express Mail An of 2 1P e 00173 I Act. 14AILED 7ROM ZIP CODE 19018 Article Name of Addresses,Street,and Handling Value Insured Due R.R. S.D. S.H. Line Number . Postage Fee Sender Post Office Address Charge (If Value H COD Fee Fee Fee Remarks j Regis.) Cumberland County Tax Claim 1 #32077 1 Courthouse Square Carlisle,PA. 17013 Cumberland Register of Wills j� 2 County Courthouse Carlisle,PA. 17013 m Attorney General of the U.S. ,p C/O Assistant Attorney General 3 Tax Division U.S.Department of Justice P.O.Box 227 - Washington,DC.20044 PA Department of Revenue Inheritance Tax Division, Q 4 P.O.Box 280601 Harrisburg,PA 17128 Family Court/Domestic Relations 5 1 Courthouse Square Carlisle,PA. 17013 PA.Department of Revenue Bureau of Compliance 6 Attn:Sheriff Sale Section P.O.Box 218230 Harrisburg,PA.17128-1230 Department of Public Welfare 7 P.O.Box 2675 Harrisburg,PA.17105 Occupantsfrenants 8 617 Colonial View Road Unit 18 Mechanicsburg,PA 17055 PA. Department of Revenue 9 Bureau of Individual Taxes P.O.Box 280603 Harrisburg,PA. 17128 Cumberland County Adult Probation 10 4 East Liberty Avenue F F I�F Carlisle,PA 17013 Colonial View Condominium Association 11 508 N.Second St/PO Box 845 Harrisburg PA 17108 Total Number of Pieces Total Postmaster,Per(Name of Receiving Emp b " The full declaration of value is required on all domestic and international registered mail. The Listed by Sender Number of c\ /y�� maximum indemnity payable for the reconstruction of nonnegotiable documents under Express Pieces `"%bd SEA' Mail document reconstruction insurance is$50,000 per price subject to a limit of$500,000 per Received at occurrence.. The maximum indemnity payable on Express Mail merchandise insurance is$500. I Post[Of n The maximum indemnity payable is$25,000 for registered mail,sent with optional postal insurance. See Domestic Mail Manual R900,S913,and S921 for limitations coverage on in incii—A­4 rnn mail cuo infcrnofinnnl RAnil RAoni in[fnr limitofinnc of rnuorono nn intornotinnol i SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson l ;` i'U Sheriff `# 3 h Jody S Smith ����ttr of �� �� " tut' 18 Chief Deputy , 4 Richard W Stewart Solicitor OFFICE OFTHE SRERIFF PE r S}' y �.VqNlA Federal National Mortgage Association Case Number vs. Richard E. Clouser(et al.) 2013-2423 SHERIFF'S RETURN OF SERVICE 09/17/2013 Ronny R Anderson, Sheriff, being duly sworn according to law, states that this writ is returned "stayed", per letter of instruction from Attorney. SHERIFF COST: $110.38 SO ANSWERS, September 17, 2013 RONW R ANDERSON, SHERIFF Sv (c)CountySulte Sheriff,Teleosoft,Inc. r #32077CAM - DN MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire/No. 52634 � E Heather Riloff, Esquire/No. 309906 � �9� 649 South Avenue, Suite 7 Secane, PA 19018 Cnpr (610) 328-2887 Attorneys for Plaintiff FEDERAL NATIONAL MORTGAGE COURT OF COMMON PLEAS ASSOCIATION CUMBERLAND COUNTY Plaintiff VS. NO: 13-2423 RICHARD E. CLOUSER AND SHERRY A. CLOUSER Defendant(s) AFFIDAVIT OF NOTICE PURSUANT TO RULE 3129.1 Martha E.Von Rosenstiel,P.C.by the undersigned attorney for the 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 617 Colonial View Road Unit 18, Mechanicsburg, PA 17055: 1. Name and address of owners(s) or reputed owner(s) Richard E. Clouser 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 Sherry A. Clouser 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 2. Name and address of defendant(s).in the judgment; Richard E. Clouser 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 Sherry A. Clouser 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: NONE 4. Name and address of the last recorded holder of every mortgage of record: NONE 5. Name and address of every other person who has any record lien on the property: NONE 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Colonial View Condominium Association 508 N. Second St/PO Box 845 Harrisburg PA 17108 7.Name and address of every other person of whom plaintiff has knowledge who has any interest in the property which may be affected by the sale: Cumberland County Tax Claim 1 Courthouse Square Carlisle, PA 17013 Cumberland Register of Wills County Courthouse Carlisle, PA 17013 Attorney General of the U.S. C/O Assistant Attorney General Tax Division U.S. Department of Justice P.O. Box 227 Washington,DC 20044 PA Department of Revenue Inheritance Tax division, P.O. Box 280601 Harrisburg, PA 17128 Family Court/Domestic Relations 1 Courthouse Square Carlisle, PA 17013 PA. Department of Revenue Bureau of Compliance Attn: Sheriff Sale Section P.O. Box 218230 Harrisburg, PA. 17128-1230 Dept of Public Welfare P.O. Box 2675 Harrisburg, PA 17105 Pennsylvania Department of Revenue Bureau of Individual Taxes PO Box 280603 Harrisburg, PA 17128-0603 Cumberland County Adult Probation. 4 East Liberty Avenue Carlisle, PA 17013 Occupant 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 I verify that the statements made in this affidavit are true and correct upon 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. Respectfully Submitted, MARTHA E. VON ROSENSTIEL, P.C. B Martha E. Von Ros n t'' uire Heather Riloff, Esq 1 Attorneys for Plaintiff Dated: June 14, 2013 32077CAM-DN MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire /No. 52634 Heather Riloff, Esquire /No. 309906 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff FEDERAL NATIONAL MORTGAGE : COURT OF COMMON PLEAS ASSOCIATION CUMBERLAND COUNTY Plaintiff : vs. : No: 13-2423 RICHARD E. CLOUSER AND SHERRY A. CLOUSER : Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO ALL PARTIES IN INTEREST AND CLAIMANTS: The real estate and improvements, if any, located at and known as 617 Colonial View Road Unit 18 Mechanicsburg, PA 17055 will be sold by the Sheriff of Cumberland County on Date of Sale: December 04, 2013 Time of Sale: 10:00 a.m. Place of Sale: Cumberland County Court House, 1 Courthouse Square, Carlisle, PA 17013. This sale is being held on a Judgment in Mortgage Foreclosure filed under Docket No. 13-2423 in the Court of Common Pleas of Cumberland County by Federal National Mortgage Association, Plaintiff against Richard E. Clouser and Sherry A. Clouser, Defendant(s). Judgment was entered on June 17, 2013 in the amount of$145,904.74. The property was seized and taken in execution as the property of Richard E. Clouser and Sherry A. Clouser. The property to be sold at Sheriff's Sale is described as follows: ALL THAT CERTAIN condominium unit in the property known, named and identified in the Declaration referred to below as 'Colonial View Condominium' located in Upper Allen Township, Cumberland County, Pennsylvania, which has heretofore been submitted to the provisions of the Pennsylvania Uniform Condominium Act, 68 P.S.A. 1301, et. seq., by the recording in the Cumberland County Recorder of Deeds Office a Declaration dated May 23, 1984 and recorded May 24, 1984, in Miscellaneous Book 295, Page 721, together with an undiv-led'interest in the'Common Elements of 4.17% which interest, if all thirty-eight (38) units"which need not be built (NNB) are built, could be reduced to 1.6161% in the manner set forth in Section 8d of the said Declaration, being and designated in such Declaration as UNIT NO. 18, and also known as 617 Colonial View Road, as more fully described in such Declaration. UNDER AND SUBJECT to any and all covenants, conditions, restrictions, rights of way, easements and agreements of record. PARCEL IDENTIFICATION NO: 42-30-2110-046-U18, CONTROL #: 42004164 IMPROVEMENTS: Residential Dwelling A schedule of distribution will be filed by the Sheriff on a date specified by the Sheriff no later than 30 days after said sale, and distribution will be made in accordance with the schedule unless exceptions are filed thereto within ten (10) days after the date of the filing of said schedule. Judgment was recovered in the Court of Common Pleas of Cumberland County Civil Action No. 13-2423. You should check with the Sheriff's Office by calling (717) 240-6390 to determine the actual date of the filing of the schedule. No further notice of the filing of the Schedule of Distribution will be given. Ronny R. Anderson, Sheriff of Cumberland County ATTORNEY FOR PLAINTIFF: MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire /No. 52634 Heather Riloff, Esquire /No. 309906 Attorney for Plaintiff 649 South Avenue, Unit #6 Secane, PA 19018 Phone: (610) 328-2887 Fax: (610) 328-2875 WRIT OF EXECUTION and/or ATTACHMENT CdMMONWEALTH OF PENNSYLVANIA) NO. 13-2423 Civil COUNTY OF CUMBERLAND) CIVIL ACTION—LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due FEDERAL NATIONAL MORTGAGE ASSOCIATION Plaintiff(s) From RICHARD E. CLOUSER AND SHERRY A. CLOUSER (1) You are directed to levy upon the property of the defendant(s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s)not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s)that: (a)an attachment has been issued;(b)the garnishee(s) is enjoined from paying any debt to or for the account of the defendant(s)and from delivering any property of the defendant (s)or otherwise disposing thereof; (3) If property of the defendant(s)not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee,you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due: $145,904.74 L.L.: $.50 Interest FROM 6/18/2013 TO 12/4/2013 AT 6%-$4,076.60 Atty's Comm: Due Prothy: $2.25 Atty Paid: $204.05 Other Costs: Plaintiff Paid: Date: 6/20/2013 David D.Bu ll,Prothonotary (Seal) , Deputy REQUESTING PARTY: Name: HEATHER RILOFF,ESQUIRE Address: MARTHA E.VON ROSENSTIEL,P.C. 649 SOUTH AVENUE UNIT#6 SECANE,PA 19108 Attorney for: PLAINTIFF Telephone: 610-328-2887 Supreme Court ID No. 309906 TRUE COPY FROM RECORD In Testimony whereof,,)here unto set my hand and the se��al of said C°°'��rt at Carlisle, Pa. This ;)() day of `` 20 �3 Pr thonotary On August 23, 2013 the Sheriff levied upon the defendant's interest in the real property situated in Upper Allen Township, Cumberland County, PA, Known and numbered as, 617 Colonial View Road, Unit 18, Mechanicsburg, as Exhibit "A" filed with this writ and by this Reference incorporated herein. Date: August 23, 2013 r By: Real Estate Coordinator 32077- CPG -RD MARTHA E. VON ROSENSTIEL, P.C. Martha E. Von Rosenstiel, Esquire /No. 52634 Heather Riloff, Esquire/No. 309906 649 South Avenue, Suite 7 Secane, PA 19018 (610) 328-2887 Attorneys for Plaintiff : COURT OF COMMON PLEAS FEDERAL NATIONAL MORTGAGE : CUMBERLAND COUNTY - - ASSOCIATION rn t -r-m f4-7": • • • Plaintiff • c-H : No: 13-2423 r•-•- - :1>c•--; vs. • RICHARD E. CLOUSER AND SHERRY A. : CLOUSER Defendants PRAECIPE TO VACATE JUDGMENT AND MARK CASE DISCONTINUED AND ENDED TO THE PROTHONOTARY: • Kindly withdraw the judgment in the above-referenced action and mark this action discontinued and ended without prejudice. MARTHA E. VON ROSENSTIEL, P.C. BY: Martha E. Von ' •sens'iel,Esquire Heather Riloff, E a 're Attorneys for Plaintiff Dated: June 18, 2014 • 04 SL)Paff LW. Hi) t CY) C 1.2_41 gb-1599