Loading...
HomeMy WebLinkAbout13-2522 Supreme C ,�ennsylvauia ��, COtt'rO +CO[nI110 Pleas For Prothonotary Use Only: C><v>Il'CoveSheet Docket No: Cutb nd``� 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 of pleadings or other papers as required by law or rules of court. Commencement of Action: S [E Complaint 0 Writ of Summons 0 Petition E 0 Transfer from Another Jurisdiction 0 Declaration of Taking C Lead Plaintiff s Name: Lead Defendant's Name: Ocwen Loan Servicing, LLC Ann Hilary Payne and Michael R. Kelly I Are money damages requested? El Yes 0 No Dollar Amount Requested: Owithin arbitration limits 0 (check one) E outside arbitration limits N Is this a Class Action Suit? 0 Yes El No Is this an MDJAppeal? 0 Yes 0 No A Name of Plaintiff /Appellant's Attorney: Kevin P. Diskin 0 Check here if you have no attorney (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 PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS 0 Intentional 0 Buyer Plaintiff Administrative Agencies 0 Malicious Prosecution 0 Debt Collection: Credit Card 0 Board of Assessment 0 Motor Vehicle 0 Debt Collection: Other Board of Elections 0 Nuisance 0 Dept. of Transportation S i � Premises Liability 0 0 Statutory Appeal: Other Product Liability (does not include E mass tort) 0 Employment Dispute: 0 Slander/Libel/ Defamation Discrimination C 0 Other: Employment Dispute: Other Zoning Board T - Other: I — Other: U MASS TORT 0 Asbestos N Tobacco 0 Toxic Tort - DES 0 Toxic Tort -Implant 0 Toxic Waste REAL PROPERTY MISCELLANEOUS 0 Other: 0 Ejectment 0 Common Law /Statutory Arbitration B 0 Eminent Domain /Condemnation ® Declaratory Judgment 0 Ground Rent 0 Mandamus 0 Landlord/Tenant Dispute O Non- Domestic Relations x Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABILITY 0 Mortgage Foreclosure: Commercial 0 Quo Warranto 0 Dental 0 Partition 11 Replevin 0 Legal—O Quiet Title 0 Other: 0 Medical 0 Off: 0 Other Professional: Updated 1/1/2011 STEVEN K. EISENBERG ESQUIRE (75736) ', KEVIN P. DISKIN, ESQUIRE ( 86727) 4 3' LESLIE J. RASE ESQUIRE (58365) �� CHRISTINA C. VIOLA, ESQUIRE ( '308909) STERN & EISENBERG, PC THE PAVILION 261 OLD YORK ROAD, SUITE 410 P T v JENKINTOWN, PENNSYLVANIA 19046 G VA NIA TELEPHONE: (215) 572 -8111 FACSIMILE: (215) 572 -5025 (COUNSEL FOR PLAINTIFF) IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA FOR CUMBERLAND COUNTY Ocwen Loan Servicing, LLC 1661 Worthington Road, Suite 100 West Palm Beach, FL 33409 V. Civil Action Number: j �sa� Ann Hilary Payne aWa A. Hilary Payne aWa A. / Hilary Payne Kelly 11306 2nd Avenue Stone Harbor, NJ 08247 -2126 COMPLAINT IN MORTGAGE FORECLOSURE Michael R. Kelly 14 Mimosa Drive Mechanicsburg, PA 17055 -5557 Defendant(s) CIVIL ACTION - MORTGAGE FORECLOSURE his is an attempt to collect a debt and any information obtained will be used for that purpose. NOTICE You have been sued in Court. If you wish to defend the claims set forth in the following pages, you must take action within twenty (20) days after this Civil Action and notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defense or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Civil Action or for any other claim or relief requested by the plaintiff. You may lose money or property of other rights important to you. YOU SHOULD TAKE THIS PAPER TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH OL. ,4 ti l 03.7S� 61 BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. 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 32 South Bedford Street Carlisle, PA 17013 800 - 990 -9108 717- 249 -3166 STEVEN K. EISENBERG, EsQUiRE (75736) KEVIN P. DISKIN, ESQUIRE (86727) LESLIE J. RASE, ESQUIRE (58365) CHRISTINA C. VIOLA, ESQUIRE (308909) STERN & EISENBERG, PC THE PAVILION 261 OLD YORK ROAD, SUITE 410 JENKINTOWN, PENNSYLVANIA 19046 TELEPHONE: (215) 572 -8111 FACSIMILE: (215) 572 -5025 (COUNSEL FOR PLAINTIFF) IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA FOR CUMBERLAND COUNTY Ocwen Loan Servicing, LLC 1661 Worthington Road, Suite 100 West Palm Beach, FL 33409 V. Civil Action Number: Ann Hilary Payne a/k/a A. Hilary Payne a/k/a A. Hilary Payne Kelly 11306 2nd Avenue Stone Harbor, NJ 08247 -2126 COMPLAINT IN MORTGAGE FORECLOSURE Michael R. Kelly 14 Mimosa Drive Mechanicsburg, PA 17055 -5557 Defendant(s) CIVIL ACTION - MORTGAGE FORECLOSURE This is an attempt to collect a debt and any information obtained will be used for that purpose. NOTICE NOTICE AVISO You have been sued in court. If you wish to Le han demandado a usted en la corte. Si defend against the claims set forth in the usted quiere defenderse de estas demandas following pages, you must take action within expuestas en las paginas siguientes, usted twenty (20) days after this complaint and notice tiene veinte (20) dias de plazo al partir de la are served, by entering a written appearance fecha de la demanda y la notificacion. Hace personally or by attorney and filing in writing falta asentar una comparencia escrita o en with the court your defenses or objections to the persona o con un abogado y entregar a la claims set forth against you. You are warned that corte en forma escrita sus defensas o sus if you fail to do so the case may proceed without objeciones a las demandas en contra de su you and a judgment may be entered against you persona. Sea avisado que si usted no se by the court without further notice for any money defiende, la corte tomara medidas y puede claimed in the complaint or for any other claim or continuar la demanda en contra suya sin relief requested by the plaintiff. You may lose previo aviso o notificacion. Ademas, la money or property or other rights important to corte puede decidir a favor del demandante y you. requiere que usted cumpla con todas las provisions de esta demanda. Usted puede YOU SHOULD TAKE THIS PAPER TO A perder dinero o sus propiedades u otros LAWYER AT ONCE. IF YOU DO NOT HAVE derechos importantes para usted. A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET Meva esta demanda a un abogado FORTH BELOW TO FIND OUT WHERE YOU inmediatamente. Si no tiene abogado o si CAN GET LEGAL HELP. THIS OFFICE CAN no tiene el dinero suficiente de pagar tal PROVIDE YOU WITH INFORMATION servicio, vaya en persona o Maine por ABOUT HIRING A LAWYER. telefono a la oficina cuya direccion se encuentra escrita abajo para averiguar IF YOU CANNOT AFFORD TO HIRE A donde se puede conseguir asistencia legal 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 Lawyer Referral and Information Service (Asociacion de Licenciados Servicio de Referencia e Informacion Legal) Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 800 - 990 -9108 717- 249 -3166 NOTICE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. You may dispute the validity of the debt or any portion thereof. If you do so in writing within thirty (30) days of receipt of this letter, this firm will obtain and provide you with written verification thereof; otherwise, the debt will be assumed to be valid. Likewise, if requested within thirty (30) days of receipt of this letter, this firm will send you the name and address of the original creditor if different from above. IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE ENCLOSED LETTER/NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT A DEBT. IF YOU HAVE RECEIVED A DISCHARGE IN BANKRUPTCY (AFTER ENTERING INTO THE RELEVANT MORTGAGE NOTE AND MORTGAGE AND HAVE NOT REAFFIRMED THE DEBT) THEN THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED AS AN ATTEMPT TO COLLECT A DEBT, BUT SOLELY AS PART OF THE ENFORCEMENT OF THE MORTGAGE /LIEN AGAINST REAL PROPERTY. STEVEN K. EISENBERG, ESQUIRE (75736) KEVIN P. DISKIN, ESQUIRE (86727) LESLIE J. RASE, ESQUIRE (58365) CHRISTINA C. VIOLA, ESQUIRE (308909) STERN & EISENBERG, PC THE PAVILION 261 OLD YORK ROAD, SUITE 410 JENKINTOWN, PENNSYLVANIA 19046 TELEPHONE: (215) 572 -8111 FACSIMILE: (215) 572 -5025 (COUNSEL FOR PLAINTIFF) IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA FOR CUMBERLAND COUNTY Ocwen Loan Servicing, LLC 1661 Worthington Road, Suite 100 West Palm Beach, FL 33409 , V. Civil Action Number: Ann Hilary Payne a/k/a A. Hilary Payne a/k/a A. Hilary Payne Kelly 11306 2nd Avenue Stone Harbor, NJ 08247 -2126 COMPLAINT IN MORTGAGE FORECLOSURE Michael R. Kelly 14 Mimosa Drive Mechanicsburg, PA 17055 -5557 Defendant(s) COMPLAINT CIVIL ACTION - MORTGAGE FORECLOSURE 1. Plaintiff is Ocwen Loan Servicing, LLC (hereinafter referred to as " Ocwen Loan Servicing, LLC ") with offices located at 1661 Worthington Road, Suite 100, West Palm Beach, FL 33409. 2. Defendant(s) are Ann Hilary Payne a/k/a A. Hilary Payne a/k/a A. Hilary Payne Kelly and Michael R. Kelly, adult individuals with last -known addresses of 11306 2nd Avenue, Stone Harbor, NJ 08247 -2126 and 14 Mimosa Drive, Mechanicsburg, PA 17055 -5557. 3. On 04/09/1996, Ann Hilary Payne a/k/a A. Hilary Payne a/k/a A. Hilary Payne Kelly and Michael R. Kelly executed and delivered to Eastern Mortgage Services, Inc. a mortgage upon the property located at 439 South York Street, Mechanicsburg, PA (the "Property ") to secure the payment of the sum of $132,200.00. The said mortgage was recorded on 04/18/1996 in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania at BK: 1314, PG: 539 and is incorporated herein by reference as though set forth at length herein. A copy of the mortgage and legal description of the Property are attached hereto, made a part hereof, and marked as Exhibit "A." 4. An assignment transferring the mortgage originally with Eastern Mortgage Services, Inc. (Originating Lender) is as follows: i) Assignment from Eastern Mortgage Services, Inc to Nationsbanc Mortgage Corporation was recorded on 11/06/1996, in (book) 534, (page) 126, in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania. ii) Assignment from Bank of America, N.A. as successor by merger to BA Mortgage, LLC as successor in interest by merger of Nationsbanc Mortgage Corporation to Ocwen Loan Servicing, LLC was recorded on 10/01/2012, in (instrument) 201230103 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania. 5. Ann Hilary Payne a/k/a A. Hilary Payne a/k/a A. Hilary Payne Kelly is the real owner of the Property located at 439 South York Street, Mechanicsburg, PA 17055. 6. In accordance with Pennsylvania law, the required pre - foreclosure notice (under Act 91 /Act 6 as may be applicable), was sent to the defendants and no response was made in the appropriate period of time. A true and correct copy of the aforesaid notice is attached hereto, made a part hereof, and marked as Exhibit `B." 7. The said loan is in default as a result of the failure to pay the monthly installments of $846.50 due on December 1, 2010 and on the same day of each month thereafter. 8. The following is due on the loan: PRINCIPAL BALANCE ... ............................... .....................$98,211.73 INTEREST accrued thru 04/09/2013 of ............................... $15,135.67 (Interest after 04/09/2013 shall accrue at the per diem rate of $16.09.) LATE CHARGES accrued thru 04/09/2013 of .....................$338.56 (Late charges after 04/09/2013 shall accrue at the monthly rate of $42.32.) ESCROW ADVANCES .... ............................... .....................$20,711.64 FEESBILLED ................ ............................... ........................$960.59 ATTORNEY'S FEE ......... ............................... ......................$4,900.00 TOTAL................................................... ............................... $140,258.19 Attorney fees are allowed in conformity with the mortgage documents and Pennsylvania law, and may be requested as part of any judgment requested and collected in the event of a third party purchaser at Sheriffs Sale. If the mortgage is reinstated prior to Sale, reasonable attorney fees will be charged based on work actually performed. WHEREFORE, Plaintiff, Ocwen Loan Servicing, LLC requests this Court to enter judgment, IN REM, for foreclosure of the mortgaged property for the sum of $98,211.73 plus interest thereon of $140,258.19 and all other amounts set forth above, less any suspense as set forth above, together with record costs and any other amounts that accrue over the course of the instant matter and to which Plaintiff is entitled to recover. STERN & EISENBERG, PC BY: ❑ STEVEN K. EISENBERG, ESQUIRE 'ff'KEVIN P. DISKIN, ESQUIRE ❑ JACQUELINE F. McNALLY, ESQUIRE ❑ LESLIE J. RASE, ESQUIRE ❑ LEN M. GARZA, ESQUIRE ❑ CHRISTINA C. VIOLA, ESQUIRE Date: Attorney for Plaintiff TOWA VERIFICATION Contract Management Coordinator 1, the undersigned, Marlene Saunders of 0cwen Loan Servicing, LLC ( "Ocwen "), am authorized to make this verification on behalf of Ocwen and hereby certify that the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge, information and belief. Except where otherwise stated and/or based upon public record, this verification is based upon a review of business records regularly created, kept and maintained in the course of Ocwen's mortgage servicing business. In making this verification, I understand that it is a crime under 18 PA C.S. Section 4904 to make a written statement to a public servant, or to invite a public servant's reliance upon a written statement or instrument, which I do not believe to be true or which I know to be false. Date 7J , d s a 0/!u JN e: Marlene Saunders Tit ntract Management Coordinator Ocwen Loan Servicing, LLC (Space ri ,rn.�rdio MORTGAGE 3(178(gl Tits 1 AMOAO.:4`S - 4dror Th= rm.�.prB ` ^± �'Ir„ « MUIRY �AYf:EW►fIOfA$ACRLY ..- ... - �� Lr -'_`• �� «� VY � . 4Jf SeaCl7lVeuaaCfhlMe[o........ �ISlF.71fI HDi:TOA�tTtyS f11G �— •�•••- ••• •••••_••••— �- ••-• -_ ••••••__•••••«- •••�_.. ' wbkahoeS.gFteG an6 czFylpe uakrde4n o(�_.- + � faM g 7+ va1L 7 'Ifo! ra t svivuatA�� «•••_ ••• � •• — � ' .••••.••••_.- _ .....,.... _ __ SS>S INlPRPLFDC C RIVE __ �'ypyrf�y ►A 19037- ..•..•..+n7 w'Io.t.JQa.a if.._.. 901q,.tf Waf c.mv do .— ...... «....«....«._�._ _�...«.... -__� . _ J ._ .♦ rAa1P•IGrof.-- ....�O�. Srvoded YnNy iMO , 7lwe4rd TMO Hnt�nl�ulrMtO ,......�..._._ - .�... -•. 121fdd.4.rpy lfpfm+srl pdo d.4A dic tulodne Scot Ipflnp.at • •..• •.•• ••• � •••• . . Dpp)rt NS.f.. ..I72.."OR.19. 1' 7 ?027. 1:A nfridn for fk Np arnC Kmrpa;d w adler du..pppqukpp � tX_._ _ P d10"d'h p•yatna, arm tu1G: G7 d. npaymrpl of do d.bxtr)> b' do t:pw, v>,b F.p: - .n3 .a.uw.b...+txwet.eQ .xaGaradm� efmastt trsn+naA.,anrtt ro - ptpmtrRd(ffl �lw'tatFMnR..lv1MCA WQG 71t',yaCh TlG PIpIC(dIt.OGnr(F O(Ihh �LO1�17atn,me.9C ed(CI Ct fvuare oTDprtv.y/. ta,..,y,y me.yptxap nMeiads3v iqr tamepeK.r,d de tips. Ptr dd, � rt+P.r. Bprae.Ar CI�Aip�R2.AttD .cr. n. tprnry u2rv[ rdc tp baud Tp.. H0�7ms or b�CU,dRC58vrA L.UAL VMMC 04 ATr,Q 7S nM AND MADE A PAnHetEDP. to rn •t76 • r' -� n ty <•: m .0 :t N Jf wt,irL J,tc Ne .ddreP Of- ......_ � 7e�OViH YORKS[R3� l�OtAxIC59U{A TDomeRw221t dl die irtym.¢fe.p taw orfa fW.rG¢udapmppoye4.aaC.Au.tlf tyv. mwrr ...s fl.lorw m+r �mpm.2t,tprpp_y. AOKpyor_b_.d.uCr:.n.r.6.Wt,.tow b bbSateMr ime mef. An ptrep fpegol.� Stn�d bpm..m. u d.'Prel,npr.• ' noaFtowtxcovri: Artcsawm+: wt, ss. tpty. cs. �, rat mdew�tb rpep .try.,am,etamme+r.+r�st.r.*�„ra dod.r PMNM FfnIG .bmt, WotylTnem:>n0oe ¢ ro.'ma p tA{I drtt.d tmcnl4r dm fblc Iplip �Dc/U'>t3Fmf sb t64ef.rd dGmedy, ppkp tp.py mC>ot`esnm o2Gtp;, 7KLS StCUX"Y7Nl'TRVMW =OW= WAD= Mta efdf otbtdMC din Li tpwmW W.m pnloW by kdWfedw n -C—tol dr-Im ttpndly Wtromemto.trty.dprppttb, . )OWrsxVAhU4i" P —T aMn w Ml.ry.w rb.7tn tK0 EXHIBIT IrxdPOW cxlV$iANI'S, lk.m..rr.si [,atiz caRCa:c.tl.eau urale.rc 1. Paymart a PIIddWt ead irsfcedq PreOaynx,ctat and Late 11orm eraa.tt tn+lekaldwdddrratoadC ride tvldcmil rite lVem.tl �at�. rr°'aP$rNy +rhaadre lbe �' WPnI Ja+..f.rrGn daGn�cvrMUw t7w. Z Antds Cot yh7rcabd lt0urade:m .7rfi arrpldrabk tn. wi at br l,aaYr, Ewmr aWIPV ar iend.r.0 Q. d.y eanddY P*7a+aes a.edue Prier s4 Nat, bU0 imc t+on b P.Ir lard -a mm Cry h 4) rocaj I.ca ub avr�..vn vAk► �r rl1aW pdadn erer d4Samrg )aammmi ai a tlm oe die P,sX,p; d8 yudy ttaCCboN drYawia aflrned fawaro 01e Ptapttb.. �a�:fA7oth'driud or D:OPab'GwruatP2atiamC lAJ: uyrGa¢ F. mranxp +enTm.1[a+0:(,Iymfy caavteim r<e rlanstmr- ;fagr:,d m.y car pCy.xe by Wr ewcrlo 4Nx H raoe.i.lo; v'tL anPm'.h+ea efpvgnpl Q n Ike of Fc ptywmt •fafo :'tie kaml..cepmnkratL T1LZt lemaar. olfN'E.emwltx'Wavaay, nftp flue. dzllm.W told rmeC +Imamdura aotbeu.td tk rncbn, amawcakadcrfceafadrnRy r.L.de.dr�ua for ooae.+cft ese r kda.l tna rd... SeuLacc P—.a.- Act.r IM 4 uawdld fiew d'. b d.e. 12 OS.C. S2L0At xQ ('Y133PA7. asku -"a- k.. dW.ppCr m dC Pue.la feb . tOaet tmY.bt, Ito. Lmda aur,.l L y dae. CWLW .11 hold lMnts ln.n amaY,c R{ In eaetd d <k,:cr.manc Leaerryy admie a+C anealydFxat dueaadCr LaL deatmw d.0 -t—bk udarnNecpcaaa.a .lfa[uR fttew PanaorattRMC. in.Wald.=rib .ApivTk raw. nk Putl, deb be b:0 t.,.a:+uta<:la rlmt eryloekf en: k'Car W qv tNtfal .itaey, taaNm�atBY, atrntiy {sacirlkt; Imev, LrrederH wdt.akaLRiko)vin.ay l`dcwl liomc td.n EurL I.odcrd.Eayplrche Faadr o pyl_ Fxmwtk;tr� lsedrr n.Y aat m.Re Eaw.vlwbotttlrl Ced.PPlyktl dla rmrrianWd6r ta.fyNrttka oadr acmOCtaet <Ifykr:ke P.:+aaw twrq na:ciS .. f.m'kr peye Pofra tvlCtrca Ya dlelYsdr rd apyrieabfe lau Pe@= mlvderbn�m xrb etd lrowaer L_krmay at;eTe 9ared.af w pry. onc9ae daRC rose lndeptnOCet ral cthte to Icpau'.Il avrlee nail fy 4ala lnanaach+p aid [brt Gw, t ¢Fear gpGatra l,w pmr:i.tad¢Pairc. Udw u.traxnhmdeorapp7abtt 4w mz pall -tcadv rh.Arrot be ra:arsd roPrY Btnoatr.ry intetxeroredlyfmtM Atadc Eoemwvmfl+ad+r aky eyea:n.- rICcSM 6a!nr., dutImJ..rn fu isp l It# Fuadt.7.reCcrrd�E ltaem ebuic,rn.m.l.l Rrtda A-ki drttrw abd debts tN tbadt Ihi d.c Pn➢aac ter whtT nth hobo m sbe FYdr W ¢Ydd '.1n: flail rx'.vted by &h 5—hy Itctmmelr. auariadaN a.ddliaufxe.?y( .E caret rr dtc ya,ry bold by t.4a cow tcc.xacan p .hW 40 t I.IdlY,DpraSY hw. t.da wall.a.av mllanorcr for tln.tctit l'ai.l..ecord.me rlT sbc rogdrer.pdt o(applloblc ior. tftb smomndda Fmdt ncld u.q flee h.at cdtklud a WY ea Exrdw }s+YC wbht hut. Ltedu dry as mtCy banv.,vr L+ r.rkray aed, In saeb cud Borrover state py tP tandx d¢orarnr rCtetanmmd:a 1pr aK d:Adenay. Dalrorertbdttrok :apd:tderkiDt)•bemasae aaPeth>a ceNhly pryarrq- al l.er.la'e rd c d dtftddra Ul'aa Pv'mem b W0 d.E mN faeatrid by ml, Ss.r{q IYaNlYKar. [rdrr rr..; pmmpdy duW o Eeavwerarq FY.ob MW M' t.f.dK. If valrrpmpnpb 2L lenavtb,0.egmv or uE Inc Pmp.rp; 7,ridc. pdena de.aRAlltirdn oc..k ddv: Pmpery. duC •Prd7 b7 Fnada Grid g Ladtr .s Ibs lU%of.ayuHkroo oraak as rrrdk.pba dt Itam Cawed g CtG Seedy Inrumt.c 3. ApptloMldo t>t1'aTmvlq. Uek,c appOUMata. prorM.tabnwlCt dlpayteem rev3RdM Lelder idorr.rr phr l ud2 ab.0 be 2pp7fad: Gram aCy MPLYn t rhuto dxoedardd xol=- =td,m.maari py.tfc dadcrp.lep.ph 1: didro dM WM.0 rddd;o dm d rte raag kz clntluda credorile xolc 4.CrrnrM'kttf. BFnw.vduA PtyaLt..a, raclR vJ. CbtRtt. Ii.lt]dd'mpmD016am21LElc ba0 YIa:O ptledye.eT Secriry )IattmgR, and Jnybld p,y orpwd rtG (f PanMtb.vLid mq aa+IwetPrw LW in ; •oT. Aanowrrwrll W! Ibae dMlpi m m dr Pt++iaPb i or 0ea pall b tbatenmKr, 0arm.•eralaA p.y Cnm w rite &=&f w tTFprso. ouch }vI'a*ta. Eamaverdrn pmmpdy fvmtdr b3aahr.nm1l�ataomlm bb[ td'dalakrrl4 svruaa,b, >i EerNwrrRCea t><ae p+ywma darctdy, 11-- pr.." tar.:.b b rm1a.st4W crkkra til dsP.ymoa., OPw[RSitrlrpmvpdydbaM, my fka wbkh W peAey_&As Sewdy LaNaatardai Ibj.%_ rQ array da wrift u de Prya><atd rid ntnpiea Ccaarad g de Ilgr In m.aaxattephate b Lewtr. (b) mleax ie 1aa0 cad, dr idt g.ax.l.iv.b +plat eataez+ema: aFedfn, kPu Fretce.Eat`+hlcT m[belmdctaapia6o opeWc bpmeM the mfoecm dabermorb wra,vtmR theToLrud4t Aenuwrtnnradd +mgmlaWrrcboNiddr�0e� to T45emrisy laAYRCa.ff ledvda md—ttu aq pw drbc ImdceyH arb�at a • Arn wakhaq.aln PdaNy aKrttk SeiWMy Iwtro+rice. t.adcr nay gin Dwrawtra bX :edmjYy6jdais 112R 94plodaka 0ma Ptadne or Role YttTe Rtene sotWnnamve 10 dndme sf.k¢dnwlm. &13rsatddrpmpercyDLmrUM Awlo Iwti kceparafmpaR� mw e;rairaorbepJtttereaeaw aarerd.r,et¢rmgrae. Aaaaedttad.de6 Ybia i►awm'gwradod mvmia'ud u7atWb.4N., iedYdfgr Eoads ardmf.�. fat .+Nth Iwrder regebo favnaea. TbL laamra lla0 k0wtnW.ed taa.w..G.narw dwe4nHr rop.lrer, Sl¢ hfautaot ard.fproKrtel No la ".�..• OIdtM aSmoe g laYar.a nSy.ara 2.atre'aappa.alMdttshdl sa[ataaevdambe a+lad+d4lfEarm.cridG m ta.lwlb mecr.p draWtd .bore,:c#a nxy, a [A.&f: eidorLatw.k earenpe w Pmmra e•OYta rdpbq In the ftepeey u .tYanfrpe vtl p.npepb9. AO iwwrax poadwad lcl0eal.amaO keaCtpbMcb lswoud dvEla.KClc. taod,til " Wmc. Ladcr44bwc J R a 'kwtc6j lb' 4ua.f wxev.kYfr�i.r a.71r>; tlymwra;un pmrya7 Al" ft A=irn Of pfd pRm wQ I ea4 <L Wb.e .rros&V- 1w.raSaa tive)voagc laGR bdK lnwraeaooreeatl 7,ead.r. Lravly ntry Bale proof dtm If-1 male P ptV g ttatVe t Ualenir+e7vud 2atmefotbanrbt .i:rm la nsAlaF Gtr.fate�p.ededi daE a 9p1kd m a.dmlir a rtP.drddw PmKry dam.J4Lrd.e r..._Ww xrW.tf to .a.rorliatey ra hft W lmidY ataldtr b can lamed. U lba reaam!da to rGrfr is ras soda. atvty rwrWratndda remrity toms be 9=e0 the bwua a Masan ab,0 be eppa d w mr alla aemd by Ibfr, SRalty Crauvse0, vbmuor not aoaue. rieO 0d• eamapatda Belra.,c. ffBPeavcr.tvnderd va Page:y wdaa nn .atr w.o(c 30 dqr arwbc (mm Ludlreu Llw b=r.ee. t+nkr hu aEamd 1. "Ilk a elder Ilex - . - rd) , alkeA ds hwaa<we Pma #L raadarm.y Yr bd»aedsbrR.Iror Beat. Ae I4opely a»palfle —rod by Mk Saeatn Ltnnr.ltnL .aalax mr d.radYa. ta.3ttd.y Pedtl m7 bra-4.Mn Aa+�ef t:zr•ra Urku Leder,rd ti --ea'R k... °L"eiRi. uC mprbWt ofp,=CH 0 pd.etaalfla0 am aapdarPapare nt d.a rite dme d b mpr. r. rybrld2OteTaaie woentd�apayram0 .lieadvpanynp121 a0µtrod g L&Gftr. 6emnKrl runt re my lefemoce Pat. udiaac..d. rraddq (o d. pq w me prntyn PeW o Ce r WWa.. alnd F.sa b I;a.der R ix mar d art wmsiawtas g rids Searly W nwtbr rrd:ned'wKIY Prier m as aegfdr 1. =VavLxA"eft, +a ard.v.+rtalKtM0aM a677V4 Wr 1.nl.AUr .awl.U4?= 54(1 f IN 3 OTs S � g�� `R 9 Sys .a e 14 e'�a���� � ag � g �a r a � g k y g s¢ ��� 9k a d � ^ Ij Tic$ .1 8 yy _ fT�3gs sx s �� �gI g baapsg s t i I rad,dot 6 . pnsdtd_W wd7 Aa Nom mbya itnr. du.RP.yraav ntw.o.cr. 1 /•Rr,Td Rd.ca f!fk117At, k'Sr .alanlW wxlm ar+RV u. pmL: pr�,.nearrtaevarty Mpyrrcardv.pc order drrtoc. .rJ vdcs,fo'taff(LL Any mdtcroIIarmw:rppkw.lat kr46l.Son►�y tNRerut drpb free tryddbq'at RwbY alnp k ly lim cbr . pplka6T•tNreetvlm ue or.ncOnr ` .Thesetior stdi>x &zal tosk PrapayAddnss «ey adwrwlams nana.+crtalDSra 6y«dxmLeader. Arybod¢lo Lrdar slad hr dw,bb Aw dd. or4 to Lud l ..W= skeet antis x,q filer .ddrm t.aderthlt.utrs Yf roOicnpam.K Aoy 6�lm 9ror(sbf(orHt3tzSamab laWra.at,PaD wamnd wlaeDaa e;tkon 0nr:oMrterT �dcr�LaL7vmnpm.U.d fs Or &p'ni^Dh, is Caverztag Iaw; Scraahlltly. TNise nary hageseecdsdtaarwaaae bf talM,l bw aao m. A. ordw¢dsd ana a re16 Qe Repay lslensad. Ld, ivw dw mylvo.tdoocraLasa o(at,Seo.tgrta.aae.at•r ber rite.ppic6k 4v, tune m:n:u,6dt rat.t4es adkrrptalaiaaa (tNSSmvlbinm.rtiydv XOke+xA mD. d +.a dfoa wMwr dR CpnDlnlq l.v.eo.. 1b ad. erda. pmH(lo.. of 1M.SOprlp 4wunru ad Ae hok .n doduN v 6....er.6ta. 16.. Bdff077ert CApy. Daaown'dr.D M �)toDOro aorSarMcopy eldre Xoe.pd oA 4b SGartry' )mrertt 17. Tcnmf trofiheYroymyar :BecIIttdTramw�tnBorrmrer. ifeltoe.yi.rtMQn ? mperyarmyfaurento 4 4sotd xq.mtened (orffa p.nfiGi kakrrs k tlarrP v 6.oF1 orm+sPbratrd o.aru k m . matil P�..)�:dwr sas.ee fa Paorwaxa easum. lasdar o,y,,s In Dynan, Rqutre Imvadkk prymeela 9d1 M W aeo>mmd M sLh Jhm4 imwaaL llo�cver. .yls opGee sS,D aaekeiadsrd by PRStb:wdtlkd:nl7wnof6c dssrot du.SeaarhylurGO�a, zttWe.eurl.n mbaRie0. trader d>.D tranoDOatrsrode. ai eexeLS,dda. 74r rxir da9 pm:,a a petal o(,a tai daa>d dry, (mm tlw d.m aw sadm 4dNroaQ waaRx 1WtJrr .Ke#9oaerar m.a py Jl Gms,easo• 6Y kN. Saaray Iasrcea,4 1C r ttonew.r fills ro p.y mae nms parr a d,o crpL�o MdrSf pe{gt 7ttdcrraty 4m4c.ey reesdo padacQ ty tlL seurhy tarrtaane vldo.s fu.d.cf rtostc. «dckmx) oa8o•.ta.ar. . ltarl IU6ht SD lte(artnle. b' ft VO0.1r arS io rbd"l ' Soot/ 44 hu dN rttbb ba =rooca aIor dat Seevdylawamm.dty Wmsd my dmaPaua@ r"A Ser of, t . y W.- Wr So. rdua. <M Ecpr.r.k.(d+R""Pum -t nnO poWcrotakt&.h.d 6. mb Somab tnw.ncn: or(bl_.y r,,J,mry dt6 Sariy t+m+r>'cn_ tnov co;al':om.ro4k.s wrrorn:(dPw La+lv.tl ¢rm*r4J,tm v>Y.k ls,aw arahr d>I. SCCaab trasvomtyWeM 2foka utlm. mdr ..r:..6.d eec.m4(b)o.....y Q.(«kd yoga aor.rwya.yeracoa;(q pysaa rzOrnsn Mmtrtd )• ta(oRbg ltd, SKYP.Y )arhu"M }.dWln4 6r n lkdkd n..maaVe ePOMW toot ,rid (OJ bYv eee6 W tm a teeakr mys.wn.yy regei• b s,wirt •w: en Ibaofdd, Senkdty Ivaw�.at Lndd..trbD L +air 7moerq ud gorra..r i eulf to PW the n>¢ss xmred ty set. RrshY lamirrtn vl 7coedcw oachuxcd. t1px r ^^ - ..... , • �j. 8ats�xr. CHS.caay rQaa..sort rr4 the obatdam Ranch k-CWSNlmule MY drdx...Ifno.ackndxr mdeows.ae, HoMCOO. kal. apFsarttsmt..e.11 ea wd la aMc 4u ofucdwtbc vda panynpb 17. 19, $6 OrltatG Ch�a�e of r.wn Sai'I(er - nor Hab w • y,rll.l tok,cak me xore CV Vr6v.tlk mA Sraaly l.=AN O r ntybe sektnacor aPC tunes wtAOar prix ocs!m Asalo nay ktreD insd6klQtk6arebY temvnnL4 "rmnSavlv!) r+coollrns r�lr pgnersr ilea wderth. IJeto..d a4leuvby n,._.�. TL< Wo rn+r a. aro w e.ora el,.cio otde tun Sekvixr urvrldnd m a ak Mr6e Hok< I(IM e b • oNrQuMtbp LanSa.4sr aoerov+rsoN t» Pkrn ve nm!<eM kSe durl`CY aCeard.rne w14 tnaa y .. it .heM ard>,.pib6{a Inv. Tlk rgdre vID axle eke male .ed eaarrn afk5a revrtaw Scnk.r,d rM addeess ro weld va...k. dmotdb The mG. wC.Iv aerik uryomuSosemmde+.rgrdnd 6y •Pt�rDte W. �. Htwrdoat Sl+trtaneer: gono.nr>bdlrawae wperraC pa Dtscac<• s <d)aravLshoe < or rdnso •I.q sravaws Sehnua an x la Ao rmpay. 0>.mxr ,h,t: aadP, mrsaew rxfam d,caa0. .q Gnrireraarrhl y... Sbe oaf uraerszar i+oPrryawa:,.w.m..r prmoWry rn .eekoecm r,1.q aot,pplyn d1t pr.wKa.ww erxbnte oa rk pmpnry Nkaud vvne:le W ndom S.Mtvaa Qka.ro rexrJt) Rtsrrah,d b 8o •ppraPr6p m leaner mrkca:d v.ai arM m ra,i.pa„pr as � hoPesb. aonarrt rb.D p,agey r I.e t,e,e.r.retar+. Pala M,.y r.ndydoa d.ln.Qrakwd, lr M any eaass>asaai ••rQ•Ra •TaeY «PsMb f+w7ero7vlar rk Pnrr.b,nlsq 7t.brdsw SY6.anR . mmtaw of vary 8ar.nKrtn. Nrwrl troMett< lfBeDevrrr Iwrae, or b radfKQ bJ aqY poretmrzml >+Tk6mry •uhoaV. dm.q ram.l «mhv Rncaf.aaa af.ay I W.rdoin Sobmnee d(rugi sk Pt" b.x7cavry. Dortwvr duo prwlPey otn.il sacesary rrkmdil snlw, H,wndsrG. w:6 Gaiartsms4 rive, A.etdaH cd.p:mfaphA Gov mharse.&rm4•ib.k a bun k.. wlbotx sty wrrbo..mw (ar.ed Aekawlnp,rda,.wLpolx, km—. atba fknw.,bloor l•sk gd lwnploQum, ark peel end Ne64.L voa.T. ralverR. nrteei.)s oaadniat ss6mfo. wlwtaW�d<ud r.dU+cdro irWat,lti Nt�ad i. iNa D 30:'r imar�e -y.r taw•a+ew laknl t.n and t... Mrt:ejo/sdkttaa vdro• eae noPprY h bard rhu rdrr m tetd,...(cym ar%.o..waw prera(nk,. dt]7tyKQ9DRM COVP2tstXTi Bam•trsM LmYerfar0+rcerm . a:.ad.trsenra'WWe 21. Aoalcaetoa; Rcmedlet. I.mds shaD $°'e naftot teBormwtc prior to nacdmQon raiimrlr; IIdrmster'i breaeb of arty tovpsaDt or rprermrdtt la BdaSaearlry 7natnmintt @ra Dot pfku 30 aatireatt0a ® derpara[ ra[> Z !ubletawp�oYLdaotLntrlss), l+eadeandltsott(yBamaxerot , amosrro>krr thrata : (o}tbe ddault W dm adios required to arm the dc&dC 0 when the dda a mwt be curtdt and (el) Shat fa om to etc the def=k as spedfW mtw re6dt fa acrflMWloA 0(tho=us asarrd by thh Saeority Inxtrament, joraefoss xe by jisd)dd pcormd[e= mxt stile of the Property. Lmderahon rmih r inform Borftww or the r(tkt to rdmdute after apeeftratlon and the xryht to nami to the foreclwL= ptottediitr rho aoD- ealttmLti ore ddatdt at W7 o @a d[jkJaQe a' IIoarosf'er to earla jMd factlace m jr the ddotdt is bat euted a spelled. Lradvat its option m .rngtdm (immediate pop=( to fall Drill sxas s=red by thU SacuwJtf ltwaaptut ntihdat further daaamd and va(y rare*= Us S=rkry ImMVmcmt by jadlr)alptneerdlna. Ledwabetl hetwillcdtocogodaP apemm I=ned In parsibsp itm temedles p:oridcd to!tilt panngAs=. hnkWlag, hta not limited to, attorneys pus and e*M ortitkeWdertft to (he meat permland by appamwe taw. YS. rtdestx. Opoe rygrorosd dl ®.acrooa y 4hsmaay laacmea, aQr STaAy 4meawa:.M As.acr rwns),cd -bat­-b— prove 16. Almt-k% a¢emaoe, L der dAQlehrg and al)dy ASS Sta ky Lmrowcot o B.aawca nmm. *Apy.praw.dadmraa 23. Wtt *eft. Ikemwer.n ereaknspenntpel M+ DPlks h'. kw,. o: a. .ed .n.s+a sky rnorxQckea HpmRnLrtsn wtora tta, Seeerib lomroo; sod lrs,ty vnrlro Ct►R:rh a(.q pv,em x ewers A.. psnidfeefr. ,Dy M•newtimL armsloo or tme. avfsrbn tree rdocha . Lvy Lod LI< sad hmytmde.nrpdon, Rfapt.a'MaM4M.�+K - M-0 o1aN4M +b.•rerw.. r osrr «� .wamasrw M¢ri , BOOif��� {I[� -`.■F r1. $dfLS[aitatmi Pf�od. 8om'vda amen vtafaw P.pldcl lap+•t.�D:f: a2.lt ezlcaa ra a,c ceorieiorm tlw co.'t�m.eO�cn[ arryidd".rf zJ a.SC+RY.t ^oroQ.eraaTe ptml.n c>,6fiise.�. Garuanw. ZS.P>;rchnst ! oriEnbc, i fa�ofmadcM anaty 15L9. a. Fylnmt .cxLmntollarmrrrmacq.laafltl. p tlat.opay, db= .wda.TrocromeLah.l Laapestafeaury ma?*t.rw 24. le!lrestlftle Af[c lCdY+m=L Bprm..cr ..w. we do lataeatm pa 5. stta.jd¢,ime Ix cut an.ir NOm or7a •n — 44 N pp & mn b. 6. are p.r.Uf.rmm dman mu.mvt Nor. '.'7, Wdaalo lLia $otr.dtY Srarrume»i. Vm.vcan rLSV. un ram .azyxonoe�.na,rvNd.a=.a.r� -9,.w S.eurip•lmrrorrL bmr.a.anmadn wA dt.rdun ba trcuatm tamsm m.I vdud wvpkmctd cm.mm =adq<c�ceermfi s.carty t. uaornta r;rdr+LS.+i4vr..apnulcu,.Sewr5 l>::anssas. fC6sct+4+pt1.aLN te.ira }} AdrasnWc Ran FJd.r Q Caadonlaf.n RiEs 1-4 F*mW Ridar II d--.d Prycem Red" 7lanacd VaY Oe..esj'ura 21da © r --uy r r. a Rw r sdbanm Q lak:c+➢are:rctcRUar 0 SceaadHoxtna.r ' u On"q'T (*PrtyYl RY aSGNSNG OL2Qw, Typnaw•r iuecpo.ad •arc.. ro dnssmrcsaC mrcrAau cviblac0lamisS- anfi9' �nfmgc mG to anY' S+�rilG) y e.rakd q' aoraawra r ,Id w;ILL Y�2 p 1 •6ouw+fr S.dm S —Ity )(—b r r r/ ' saatl SxarLyNa:nDer (/ Socf.! 5•arity Honl+. c._..—....... � ...._.._.._.... jSpaa Br]awThG LL�t¢2TOr Ac�lowledymmt] COMMONWrAVnlO1rMN?U-YLVAn% COUNTY .c OAOMSIN 0. 66 s* I.Y r April 1996 .5ttoro rno, Dove 4. dvre6 mmrd AWN NRARYPAYNa • rr�fcASL A Y2LL . ..+�t,,,, or '-06�iilnaeam¢ €dlaa vp t-e XWERRam"I -w erod.a9*61.d dca•aeote.uwdwl •. aud.. '� ray 2� j l y� x.'.. '�tfp' >,a Wr+ tiau sp�I�•'� yQvo°. L11'OOmmladao ErptrJaat a+, 1906 yy� .ammtci�a &ptrcs TJaRSL`/ AKN '�fa�,Hw.AeRU{.apl�aMa47�lmu�.r Ma.rawn 7�7cP. + MOIg311N /i'al +l +iyA'aCjplljr r' AT'L THAT CERTAIN resauaga or tract of land situate in the Borough of Mechanicsburg, Cumberland County, Pennsylvania, bounded and deac#bed as Follows, to wit: Ht:GTMI= at a post corner of York Sad Masbls streets, thence nor't -% by said York Street Seventy (70) 'tet, four (4) inches to lot of Jacob Zinn; thence duet by said lot one hundred si:cty- two (162) feet six t6) £nches to a twenty (20) foot nlley7.thcnc+; south by Slid alley £i.fty -two ($21 feet, six (6) Snches to Mztrbls Street; thence west by said Marble Street one hundred sixty ' three (163) feet to the place of BEGINRING. S MVITM thereon erected and Dow being a dwelling house. 939 S. York st., with necessary outbuildings. Being the same premises which A. Hilary Payne, by indenture bearing - even date the 9th day of April A.D. 1996 and intended 'to be fort2%- with recorded in the office for the recording of deeds in and for County of Cumberland, the Commonwealth of Pennsylvania, granted and conveyed unto Ann Hilary Payne and Michael R. Kelly, in foe- ^' •'n of Pone( rd� a. +�af Camberimd � afo+f In the offrca for chs "Con2v Od DtS& n >nd _VAdCou t:o . VOL :s my hand at +a.:14. PA thla d 4 STERN & EISENBERG, PC 410 THE PAVILION 261 OLD YORK ROAD JENKINTOWN, PA 19046 (215) 572 -8111 Date: February 26, 2013 COMBINED NOTICE UNDER ACT 6 and ACT 91 TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM ( HEMAP) may be able 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 THIRTY -THREE (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. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA, HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDUMM SU HIPOTECA. EXHIBIT HOMEOWNER'S NAME(S): Michael R. Kelly PROPERTY ADDRESS: 439 South York Street, Mechanicsburg, PA 17055. MAILING ADDRESS: 14 Mimosa Drive, Mechanicsburg, PA 17055 -5557 LOAN ACCT. NO.: ORIGINAL LENDER: Eastern Mortgage Services, Inc. CURRENT LENDER/SERVICER: Ocwen Loan Servicing, LLC 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, x IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND x IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a ternporary stay of foreclosure on your mortgage for thirty (30) days (plus three (3) days for mailing) from the date of this Notice. 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 THE NEXT (33) DAYS 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. CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of desijznated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice It is only necessary to schedule one face -to -face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for fuzancial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face -to -face meeting. 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 FORECLOSURE ". YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCYACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If yo u have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brin6 it up to date) NATURE OF THE DEFAULT - -The MORTGAGE debt held by the above lender on your property located at: 439 South York Street, Mechanicsburg, PA. IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly payments from December 1, 2010 through and including February 26, 2013 as follows: Payments of $846.50 due on 12/01/2010 through and including 01/01/2011, in the amount of .............................. ............................... ........$1,693.00 Payments of $2,930.47 due on 02/01/2011 through and including 11/01/2011 in the arnount of ...................................... ............................... $29,304.70 Payments of $1,436.49 due on 12/01/2011 through and including 02/01/2013 in the amount of ................. ............................... .....................$21,547.35 Other charges (explain/itemize): Latecharges: .......................................................................... $338.56 Feesbilled ....................... ............................... ........................$642.50 Other charges ( explain) . ............................... ..........................$0.00 Less suspense ................ ............................... ..........................$0.00 TOTAL AMOUNT PAST DUE: .................................................... $53,526.11 B. Reserved for items other than amounts set forth in A. above. HOW TO CURE THE DEFAULT - -You may cure the default within THIRTY -THREE (33) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $53,526.11, 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: Ocwen P.O. Box 6440 Carol Stream, IL 60197 -6440 IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged p rope rty. 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) DAYS period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately four (4) to six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Ocwen Loan Servicing, LLC Address: P.O. Box 6440 Carol Stream, IL 60197 -6440 Phone Number: 800 - 310 -9229 407 - 737 -6300 (fax number) Contact Person: Performing Collections Dept./Loss Mitigation Department EFFECT OF SHERIFF'S SALE -- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You 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. 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. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) * TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. * TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (See Attached Page) Sincerely, STERN & EISENBERG, PC BY: tern 8�isenberg, PC VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED AND REGULAR MAIL NOTICE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. You may dispute the validity of the debt or any portion thereof. If you do so in writing within thirty (30) days of receipt of this letter, this firm will obtain and provide you with written verification thereof; otherwise, the debt will be assumed to be valid. Likewise, if requested within thirty (30) days of receipt of this letter, this firm will send you the name and address of the original creditor if different from above. IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE ENCLOSED LETTER/NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT A DEBT. IF YOU HAVE RECEIVED A DISCHARGE IN BANKRUPTCY (AFTER ENTERING INTO THE RELEVANT MORTGAGE NOTE AND MORTGAGE AND HAVE NOT REAFFIRMED THE DEBT) THEN THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED AS AN ATTEMPT TO COLLECT A DEBT, BUT SOLELY AS PART OF THE ENFORCEMENT OF THE MORTGAGE /LIEN AGAINST REAL PROPERTY. , — j jO r+_f Comprehensive Hou sing Counseling A gen c ie s Agencias de Consejo al Ciiente Para Vivienda Cumberland County 'CCCS of Western P4 -York 55 Clover Hill Road Dallas.awr. PA 17313 688.511-222? i 8 Community Action Commission - Capital region 1514 De ry St Hard,hurg PA 17104 717.232.9757 wNUCa:: iiix u n �1.3r o Harrisburg Fair Housing Council 2100 N 6th St Harrisburg PA 17110 717.236 Q540 Housing is 1<edevalapmentALJUWrify • Cumberland Casty 114 N HanoverSt; S7E 104 Carlisls PA 17013 866.683.590 71717.249.0 7139 ;c,Nxcchrd mom Pathsrtane Corporatian Pennsylvania 1625 North Second St Harrisburg PA 17102 717X34.6616 u�mnvrs,tails�n:'nlnathctnna all Y�tm Pennsylvania interfaith Community Programs, Inc, 40 E High St Cetrpt burg PA 17325 717.334.1518 iNl�i +.ad2 FYiSCha.01� NOTE Many of the agencies offer workshops at various Iacafion sitQS; call to find a location rrrar yeu. Report lastupdated: 4/30/2012 9:03:04 Alin Page 1 of 1 STERN & EISENBERG, PC 410 THE PAVILION 261 OLD YORK ROAD JENKINTOWN, PA 19046 (215) 572 -8111 Date: February 26, 2013 COMBINED NOTICE UNDER ACT 6 and ACT 91 TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able 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 THIRTY -THREE (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. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Ann Hilary Payne PROPERTY ADDRESS: 439 South York Street, Mechanicsburg, PA 17055. MAILING ADDRESS: 11306 2nd Avenue, Stone Harbor, NJ 08247 -2126 LOAN ACCT. NO.: a_ ORIGINAL LENDER: Eastern Mortgage Services, Inc. CURRENT LENDERISERVICER: Ocwen Loan Servicing, LLC 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, x IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days (plus three (3) days for mailing) from the date of this Notice. 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 tkis Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (33) DAYS. 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. CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice It is only necessary to schedule one face -to -face meeting. Advise your lender inuuediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face -to -face meeting. 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 FORECLOSURE ". YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCYACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT - -The MORTGAGE debt held by the above lender on your property located at: 439 South York Street, Mechanicsburg, PA. IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly payments fiom December 1, 2010 through and including February 26, 2013 as follows: Payments of $846.50 due on 12/01/2010 through and including 01/01/2011, inthe amount of ................ ............................... ......................$ Payments of $2,930.47 due on 02/01/2011 through and including 11/01/2011 inthe amount of ............................... ............................... .......$29,304.70 Payments of $1,436.49 due on 12/01/2011 through and including 02/01/2013 i n the amount of ...................................... ............................... $21,547.35 Other charges (explain/itemize): Latecharges: .......................................................................... $338.56 Feesbilled ....................... ............................... ........................$642.50 Other charges ( explain) ................... ............................... ........$0.00 Lesssuspense ................ ............................... ..........................$0.00 TOTAL AMOUNT PAST DUE: .................................................... $53,526.11 B. Reserved.for items other than amounts set forth in A. above. HOW TO CURE THE DEFAULT - -You may cure the default within THIRTY -THREE (33) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $53,526.11, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAYPERIOD. Payments must be made either by cash, cashier's check certified check or money order made payable and sent to: Ocwen P.O. Box 6440 Carol Stream, IL 60197 -6440 IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rij4hts to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortlZaLyed P ro p erty. 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) DAYS period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due Linder the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale You may do so by paying the total amount then past due, plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by perfonning any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately four (4) to six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Ocwen Loan Servicing, LLC Address: P.O. Box 6440 Carol Stream, IL 60197 -6440 Phone Number: 800 - 310 -9229 407 - 737 -6300 (fax number) Contact Person: Performing Collections Dept./Loss Mitigation Department EFFECT OF SHERIFF'S SALE -- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -- You 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. 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. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) * TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, * TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. * TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (See Attached Page) Sincerely, STERN & EISENBERG, PC BY: r' ern & Ei enberg, PC VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED AND REGULAR MAIL NOTICE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. You may dispute the validity of the debt or any portion thereof. If you do so in writing within thirty (30) days of receipt of this letter, this firm will obtain and provide you with written verification thereof; otheiivise, the debt will be assumed to be valid. Likewise, if requested within thirty (30) days of receipt of this letter, this firm will send you the name and address of the original creditor if different from above. IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE ENCLOSED LETTER/NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT A DEBT. IF YOU HAVE RECEIVED A DISCHARGE IN BANKRUPTCY (AFTER ENTERING INTO THE RELEVANT MORTGAGE NOTE AND MORTGAGE AND HAVE NOT REAFFIRMED THE DEBT) THEN THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED AS AN ATTEMPT TO COLLECT A DEBT, BUT SOLELY AS PART OF THE ENFORCEMENT OF THE MORTGAGE/LIEN AGAINST REAL PROPERTY. C€�rr�prehenive Housing Counseling Agencies Agencias de Cons jo al Cliente para V Cumberland County "CCCS o. W;stem PA -York 55 Ciaver Hill Road Dallas town PLC 17313 888.51122271888.51 12227 ���tti- r.ctr= oa.ai+a Community Action Commission - Capital Region 1514 DiwySt HanisJu(g PA 17104 717 232 Q757 w1v, :tcact ri;x a nrv.or4 HarTiab(trg Fair Housing Council 2108 N 6th St HarrisJug PA 1?118 717.238. Housing & Redevelopment Aut4orit} - Cumberland Cnty 114 N Hanover &t; S7E 104 Carlisle- PA 17,113 866.083.598? i 71 ?.245.8789 AmwLchr .com Pathstone Corporation Pennsylvania 1625 North Secand It HarrisJu(g PA 17182 717234.6616 *.in•J r!iFa•liz ^s;3'+i riathetfl'14 p^htm Pennsylvania interfaith Community Programs, Inc, 48 E }-Nigh St Gettysburg PA 17325 717.334.1518 xnvwadimscha.ofq NOTE ManyoFtheayenoies offervrareshops at various looat;on sit(?S; call to find alacation near you Report last updated: 4!3012012 9,:03:04 AM Page 1 of 1 U.S. POSTAGE» PITNEY BOWES •..�• �wr.•wl� Name and STERN & EISENBERG , .,. :.�':� Address y 261 Old York Road -The Pavilion -Ste 410 @ of Sender Jenkintown, PA 19046 $ ZIP 19046 Q0210" r �'' 02 1" FEB 26 2013 Line Article Postage _ Fee Number 1 * * ** Ann Hilary Payne 439 South York Street e Mechanicsburg, PA 17055 2 * * * * Ann Hilary Payne o • 11306 2nd Avenue a '" a CERTIFIED MAIL. RECEIPT Stone Harbor, NJ 08247 t rn w ( ' , No insurance Coverage Provided) 3 * * * * Michael R. Kelly ro x For delivery Information visit our website at www.usps.como 439 South York Street f Mechanicsburg, PA 17055 ter' ro 4 * * * * Michael R. Kelly ro Postage $ 14 Mimosa Drive M Q) O Certified Fee Mechanicsburg, PA 17055 ` - Return Receipt Fee Postma , 5 LL 0 m 00 t da a; IM (Endorsement Required) Here LL LLd a, w U. • - ^� o o o ;u LL Restricted Delivery Fee L a m N m m as ;Q E3 (Endorsement Required) 6 * * ** PHFA m tzc m¢ m :d d ;a - +I • r} 2z;N r3 �, r PO BOX 8029 E O E o { n x; m Total Postage &Fees 1 _ o_ HARRISBURG, PA 17105 -8029 0 ~ ¢ Sent To 7 * * * * w ¢ W g n, Michael R. Kelly 14 Mimosa Drive t'_ 6 9'L 9 2 9 T 0000 0'[ 0't 2 2 0 . r` or Po sox No. - Mechanicsburg, PA 17055 $ City, S tale , ZlP +4 - - * * ** --- ---------------- y, S tate , 9 PS Form 3800 August 2006 see Reverse for instructio 10 P E CERTIFIED MAIL. RECEIPT I1 * * ** o = o frl (Do mestic 12 * * ** rr titi F' 5 ( i OJ 0 rQ ru 13 l art# 1 ; co r�:_ a y a rq Postage $ 14 * * ** '• N O Certified Fee Cd l• Q x "o 0j p Return Receipt Fee ' l i f?d Otatk (Endorsement Required) 15 RE: Payne ACT NOTICE W - o Restricted Delivery Fee f ! f r (Endorsement Required) Total Number of Total Number of Pieces Postmaste �' • L,, Pieces Listed by Sender Received at Post Office m to ee LL LL.T LL.� r-9 Total Postage & Fees $ EL UQ -¢ + • aV ¢ a ro ; d . a - M Sent To ;z • d ° N W z :" r9 Michael R. Kelly �E dE o 'no ro n - - -- E d _ - N N ._ N LL o �¢ � ��° Srreet, Apt. No ° 439 South York Street ..- U �- �t0 .gi � • .- ~ ; m O � - �" or PO Box No. a ?� __. Mechanicsburg, PA 17055 w w F- m Ci State, ZIP +¢ - i - 1 , - it r rr, - r -i-,r 7r � �� !�IAwIIIII111 AIIIIIA�IIIIII� o a Y. No. P. 2 FORM 1 '03 w ; Cif Co M Ocwen Loan Servicing, LLC IN THE COURT OF COMMON PLEAS OF - t; j r1 CUMBERLAND COUNTY, PENNSYLVANIA �D i Plaintiff(s) VS. ©C F y C= Ann Hilary Payne et al. and Wippel R. Kelly 3_ S e endant(s) � Civil NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in a court- supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer you must take the following steps to be eligible for a conciliation conference. First within twenty (20) days of your receipt of this notice, you must contact MidPenn Legal Services at (717)243 -9400 extension 2510 or (800) 822 -5288 extension 2510 and request appointment of a legal representative, at no charge to you. Once you have been appointed a legal representative, you must promptly meet with 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 regal representative will prepare and file a Request for Conciliation Conference with the Court, which must be flied 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 wlth your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer, you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto, your lawyer will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME, YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE, THIS PROGRAM IS FREE, Respectfully submitted: Date ignature of Counsel for Plaintiff IV Y b ZU13 1Z,U4fIVI IVo.61S1 N. 3 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: CUST Borrower name (s): Property Address: City: State: Zip: Is the property for sale? Yes ❑ No ❑ Listing date: Price: S 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? C O BORROWER Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household: How long? INF 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: May 2013 12:04NIVI No. 618'l N. 4 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: 11 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 ex22nses you are currently paving) EXPENSE AMOUNT EXPENSE AMOUNT Mortgage Food i 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 Su ort/Alim, Spending Money Day /Child Care/Tuit. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income and Expenses: Haveyou been working with a Housing Counseling Agency? Yes ❑ No ❑ If yes, please provide the following information: Counseling Agency: Counselor: Phone (Office): Fax: Email: IV] ay b. 2013 12:04F'M ._ No. 62H F. 5 Have you made application for Homeowners Emergency Mortgage. Assistance Program (HEMAP) assistance? Yes ❑ No If yes, please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? 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: AUrHORIZATION 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 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 Ivay. 6 1013 1Z:04FM IVo: 615 F. 6 FORM 3 Ocwen Loan Servicing, LLC IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff(s) VS. Ann Hilary Payne et al. and Michael R. Kelly Defendant(s) Civil REQUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order dated 2012 governing the Cumberland County Residential Mortgage Foreclosure Diversion Program, the undersigned hereby certifies as follows: 1. Defendant is the owner of the real property which is the subject of this mortgage foreclosure action; 2. Defendant lives in the subject real property, which is defendant's primary residence; 3. Defendant has been served with a "Notice of Residential Mortgage Foreclosure Diversion Program: and has taken all of the steps required in that Notice to be eligible to participate in a court- supervised conciliation conference. The undersigned verifies that the statements made herein are true and correct. I understand that 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 ivay o LUIj 12:uq'IVI FORM 4 Omen Loan Servicing, LLC IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff(s) vs. Ann Hilary Payne et al. and Michael R. Kelly Defendant(s) Civil 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 maybe extended. Upon notice to the iviay I). ZU I J 12: WNl No. 6282 F. 8 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 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; gar u L I) iz; u)rivi No. 6Z�1. P. 9 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 RAnderson "j=1L:E - 3 FiQL Sheriff i 1 HIr--� PROTHIONOTW t �,sx��`~�,k, tit�:t°�Irt,•��.r;t�f� Chief D putyh 2013 MAY 30 AH 11: OZ A Richard W Stewart CUMBERLAND CflU�i t Solicitor ? W � PI EN ISyLVANIA Ocwen Loan Servicing, LLC Case Number VS. Ann Hilary Payne (et al.) 2013-2522 SHERIFF'S RETURN OF SERVICE 0511712013 03:15 PM-Deputy Amanda Cobaugh, 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:Ann Hilary Payne at 439 South York Street, Mechanicsburg Borough, Mechanicsburg, PA 170 AMANDA COBAUGH, D UTY 0512012013 03:39 PM-Deputy Noah Cline, 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 Anna Marie Oleary, mother in law,who accepted as"Adult Person in Charge"for Michael R Kelly at 14 Mimosa Drive, Upper Allen, Mechanicsburg, PA 17055. NOAH CLINE, DEPUTY SHERIFF COST: $60.60 SO ANSWERS, May 24, 2013 RONNYY R ANDERSON, SHERIFF (c)CountySuito Sheriff,Teleosott.Inc. STEVEN K.EISENBERG,ESQUIRE(75736) r"=+" HE ' M" KEVIN P.DISKIN,ESQUIRE(86727) LESLIE J.RASE,ESQUIRE(58365) 2013 ,SUN _3 PM 3. 35 CHRISTINA C.VIOLA,ESQUIRE(308909) STERN&EISENBERG,PC CUMBERLAND COUNTY THE PAVILION PENNSYLVANIA 261 OLD YORK ROAD,SUITE 410 JENKINTOWN,PENNSYLVANIA 19046 TELEPHONE:(215)572-8111 FACSIMILE:(215)572-5025 (COUNSEL FOR PLAINTIFF) IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA FOR CUMBERLAND COUNTY Ocwen Loan Servicing, LLC 1661 Worthington Road, Suite 100 West Palm Beach, FL 33409 V. Civil Action Number: 13-2522 Ann Hilary Payne Kelly and Michael R. Kelly Defendant(s) ORDER TO SETTLE DISCONTINUE AND END WITHOUT PREJUDICE To the Prothonotary: Kindly mark the above captioned matter as settled, discontinued and ended, without prejudice,upon payment of your costs only. STERN & EISENBERG, PC VIN P. DISKIN Attorney for Plaintiff 5/29/2013