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HomeMy WebLinkAbout13-2639 'Supreme Court of Pennsylvania ai >x►n 9 . heeteas -- i Coat :. �" Fa: PorltontcrrYo U se jj1y7 CUTYI IC'I II tt Dt�ckez d0: r Gouni Pllt J� )AA N�0 � 0 � v i 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 leadin s or other papers as required b law or rules" of court. 3 a Commencement of Action: #�� ® Complaint ❑ Writ of Summons 0 Petition ❑ Transfer from another Jurisdiction ❑ Declaration of Taking EN# Lead Plaintiff Name: Lead Defendant's Name: h JPMORGAN CHASE BANK, NATIONAL NANCY ELLA WALKER C ASSOCIATION Dollar Amount Requested within arbitration limits Are money Damages requested ?: ❑ Yes . - ®No (Check one) X outside arbitration limits 3 Is this a Class Action Suit? ❑ Yes ® NO Is this an MDJ Appeal? ❑ Yes NO 1 Name of Plaintiff/appellant's Attorney: KML Law Group, P.C. ❑ Check here if you are a Self-Represented (Pro Se Litigant HU Nature of the Case Place an "X" to the left of the ONE case catego ely desc ry that most accuratribe s your PRIMARY CASE If you are making more than one type of claim, check the one that consider most important TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEAL 3 ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution' ❑Debt Collection: Credit Card 11 Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑Nuisance ❑ Dept. of Transportation ❑ Premises Liability ❑ Zoning Board Product Liability (does not include ❑Statutory Appeal: Other �i `... ❑ Employment dispute: mass tort) ❑ Slander/Libel Defamation Discrimination El Other ❑ Employment Dispute: Other ❑ Other: 0' - g` MASS TORT ❑Other ❑ Asbestos 1 AE c ' ❑ Tobacco ❑Toxic Tort - DES REAL PROPERTY MISCELLANEOUS ❑ Toxic Tort - Implant ❑ Ejectment ❑ Common Law /Statutory ❑Toxic Waste .❑ Eminent Domain/Condemnation Arbitration ❑ Other Ground Rent ❑ Declaratory Judgment ❑ Landlord/Tenant Dispute ❑ Mandamus ® Mortgage Foreclosure: Residential ❑ Non - Domestic Relations PROFESSIONAL LIABILITY ❑ Mortgage Foreclosure: Commercial Restraining Order dL 4 ' x ❑ Dental ❑Partition ❑ Quo Warranto j '` ❑Legal ❑ Quiet title ❑ Replevin ❑ Medical �� ❑ Other Professional: ❑ Other ❑ Other R. Pa.R.C.P. 205.5 Updated 1/1/2011 KML LAW GROUP, P.C. r SUITE 5000 - BNY MELLON INDEPENDENCE CENTER F' { LED- Ctt 0 F fl � � T 701 MARKET STREET C �� E p r t3 F 1 PHILADELPHIA, PA 19106 (866) 413- 2311,�'�� JPMORGAN CHASE BANK, NATIONAL 4 CO E COURT OF COMMON PLEAS ASSOCIATION] ( L'}�t�l ¢� c/o 3415 Vision Drive OF Cumberland COUNTY Columbus, OH 43219 Plaintiff CIVIL ACTION - LAW VS. NANCY ELLA WALKER ACTION OF MORTGAGE FORECLOSURE Mortgagor(s) and Record Owner(s) q 219 Marion Avenue ( 014;1 Carlisle, PA 17013 CIVIL, ANON: MORTGAGE Defendant(s) FORECLOSM NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claim in the Complaint of for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. 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 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717- 243 -9400 AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decider a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. 4b, 775pJ a , } t Ck-h )3 Si 3a I 124 a q bNq a LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICO. VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717- 243 -9400 THIS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. RESOURCES AVAILABLE FOR HOMEOWNERS IN FORECLOSURE ACT NOW! Even though your lender (and our client) has filed an Action of Mortgage Foreclosure against you, you still may be able to SAVE YOUR HOME FROM FORECLOSURE. 1). Call an attorney. For referrals to a qualified attorney call either of the following numbers: or 717- 243 -9400. 2). Call the Consumer Credit Counseling Agency at 1- 800 - 989 -2227 for free counseling. 3). Visit HUD' S website www.hud.gov for Help for Homeowners Facing the Loss of Their Homes. 4). Pennsylvania Housing Finance Agency also offers other loan programs that may assist homeowners in default. Please See the PHFA website http://www.phfa.org/consumers/homeowners/real.aWx 5). Call the Plaintiff (your lender) and ask to speak to someone about Loss Mitigation or Home Retention options. 6). Foreclosure Resource Center: http: / /www.Dhiladelphiafed.org /foreclosure/ 7). Call or contact our office to request the amount to bring the account current, or payoff the mortgage or request a Loan Workout / Home Retention Package. Call our toll free number at 1- 866 -413 -2311 or via email at homeretentiongkmllawaroup.com Call Seth at 215- 825 -6329 or fax 215- 825 -6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215- 825 -6318 or Fax: 215- 825 -6418. Please reference our Attorney File Number of 1168911 Para informacion en espanol puede communicarse con Loretta al 215- 825 -6344. This Action of Mortgage Foreclosure will continue unless you take action to stop it. COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, c/o 3415 Vision Drive, Columbus, OH 43219. 2. The name(s) and address(es) of the Defendant(s) is /are NANCY ELLA WALKER, 219 Marion Avenue, Carlisle, PA 17013, who is /are the mortgagor(s) and record owner(s) of the mortgaged premises hereinafter described. Max Elsworth Walker died on February 18, 2008 by operation of law title vests solely in Nancy Ella Walker and Max Elsworth Walker is hereby released of liability pursuant to Pa.R.C.P 1144. 3. On October 05, 2007 mortgagor(s) made, executed and delivered a mortgage upon the Property hereinafter described to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR M &T BANK, which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County on October 15, 2007 as INSTRUMENT # 200739559. The mortgage has been assigned to: JPMORGAN CHASE BANK, NATIONAL ASSOCIATION by assignment of Mortgage recorded on October 15, 2012 as Instrument # 201231604. Plaintiff is the real party in interest pursuant to an Assignment of Mortgage to Plaintiff attached as Exhibit C. The Mortgage is a matter of public record and is incorporated by this reference in accordance with Pennsylvania Rule of Civil Procedure 1019(g); which Rule relieves the Plaintiff from its obligation to attach documents to pleadings if those documents are matters of public record. 4. The Property subject to the Mortgage is more fully described in the legal description set forth as Exhibit "A" ( "Property"). 5. The mortgage is in default because the monthly payments of principal and interest are due and unpaid for June 01, 2012 and each month thereafter and by the terms of the Mortgage, upon default in such payments for a period of one month or more, the entire principal balance and all interest due and other charges are due and collectible. 6. The following amounts are due to Plaintiff on the Mortgage as of April 5, 2013: PrincipalBalance ........................................................... ............................... $73,635.06 Interest from 05/01/2012 through 03/31/2013 ....................... ......................$4,471.83 Accrued Late Charges .................................. ............................... .........................$52.86 EscrowAdvance ........................................ ............................... ......................$2,144.34 PropertyInspections .................................... ............................... ........................$126.00 Reasonable Attorney's Fee ........................ ............................... ............ ..........$1,650.00 $82,080.09 7. If the Mortgage is reinstated prior to a Sheriff s Sale, the Attorney's Fees set forth above may be less than the amount demanded based on work actually performed. Plaintiff reserves the right to request additional attorney's fees if the complexity of the action results in fees in excess of the amount demanded. Further, Plaintiff will request recovery of all costs incurred in this action including, but not limited to, costs of suit, process serving and skip tracing, title searches, recording costs and any other costs of the action in accordance with the mortgage documents and applicable law. 8. Plaintiff is not seeking a judgment of personal liability (or an " personam judgment) against the Defendants in this Action but reserves its right to bring a separate Action to establish that right, if such right exists. If Defendants have received a discharge of their personal liability in a Bankruptcy proceeding, this Action of Mortgage Foreclosure is, in no way, an attempt to re- establish the personal liability that was discharged in Bankruptcy, but only to foreclose the Mortgage and sell the Property pursuant to Pennsylvania law. 9. Notice of Intention to Foreclose and a Notice of Homeowners' Emergency Mortgage Assistance has been sent to Defendants by certified and regular mail, as required by Act 160 of 1998 of the Commonwealth of Pennsylvania, on the date(s) set forth in the true and correct copy of such notice(s) attached hereto as Exhibit `B ". The Defendants have not had the required face -to -face meeting within the required time and Plaintiff has no knowledge of any such meeting being requested by the Defendants through the Plaintiff, the Pennsylvania Housing Finance Agency, or any appropriate Consumer Credit Counseling Agency. WHEREFORE, Plaintiff demands a de terris judgment in mortgage foreclosure in the sum of $82,080.09, together with interest, costs, fees and charges collectible under the Note and Mortgage including but not limited to attorney's fees and costs, and for the foreclosure and sale of the mortgage property. By: KML LAW UP P.C. Michaetic er Pa. ID 56129 Jay E. Kivitz Pa. ID 26769 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Joshua I. Goldman Pa. ID 205047 Jill P. Jenkins Pa. ID 306588 Andrew F. Gornall Pa. ID 92382 Alyk L. Oflazian Pa. ID 312912 Salvatore Filippello Pa. ID 313897 Attorneys for Plaintiff VERIFICATION i 2) 6 , hereby states that he she Vice President is of JPMORGAN CHASE BANK, NATIONAL ASSOCIATION Plaintiff in this matter and is authorized to make this Verification. The statements of fact contained in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of my knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unswom falsification to authorities. Date: Oq Name: Title: Vice President J Q �arSG COGS -� C3Ghk, N R. #116891FC NANCY ELLA WALKER E.�h i 6 i t A t ALL,that certain tract of land with the improvements thereon erected i situate in North. Middleton Township, Cumberland County, Pennsylvania, bounded and described as follows: i BEGINNING. at a point on the Northerly line of Marion Road at a stake which is 288 feet East from the Northeast intersection of Maplewood Road and Marion Road; thence by the Easterly line of lands now or formerly of Meek, North 18 degrees 30 minutes East 140 feet to a point at a stake; thence by lands now or formerly of Bucher, South 71 degrees 30 minutes East 85 feet to a point at a.stake; thence by lands now or formerly of, Bucher, South 18 degrees 30 minutes West 140 feet to a point on the said Northerly line of Marion Road; thence by the said line of Marion Road, North 71 degrees 30 minutes West 85 feet to a point at a stake, the Place of BEaINNINa- BEING Improved with a one story Frame dwelling known as No. 219 Marlon Road- EXHIBIT "A" i Ey (13 *Exhibit has been redacted to remove all personally identifiable information or non-public information HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM Date: 02/14/2013 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortj!a$!e 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 pales. 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 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling ALlency. 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 mu 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 any attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA RVIPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICATION OBTENGA UNA TRADUCCION IMMEDIATAMENTE 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 REDIMIR SU HIPOTECA. 1 Date: 02/14/2013 HOMEOWNER'S NAME(S): NANCY ELLA WALKER PROPERTY ADDRESS: 219 Marion Avenue, Carlisle, PA 17013 LOAN ACCT. NO.: _77791 ORIGINAL LENDER: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR M &T BANK CURRENT LENDER/SERVICER: JPMORGAN CHASE BANK, NATIONAL ASSOCIATION / JPMORGAN CHASE BANK, NA 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. 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 (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 CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face -to -face meeting. Advise your lender immediately of your intentions. 2 APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications 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 HEMAP APPLICA TION SOONAS POSSIBLE IFYOU HA VE A MEETING WITHA COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE ANAPPLICA TION WITH PHFA WITHIN30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILYPREVENTED FROM STARTING 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 FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN f ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) 3 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: 219 Marion Avenue, Carlisle, PA 17013 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: (a) Monthly payment from 06/01/2012 thru 02/14/2013 (6 mos. at $499.44 /month) $2996.64 (3 mos. at $838.09 /month) $2514.27 (b) Late charges: $52.86 (c) Other charges; Escrow, Inspec., NSF Checks: Escrow Advance — $1,806.35 (d) Other provisions of the mortgage obligation, if any (e) TOTAL AMOUNT REQUIRED AS OF THIS DATE: $7,370.12 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 $7,370.12, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check, certified check or money order made payable and sent to: CHASE Mail Code: OH4 -7384 3415 Vision Drive Columbus, OH 43219 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 ri hts to accelerate the mortuaj!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 monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender brings legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees 4 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: CHASE Address: Mail Code: 0114 -7384 3415 Vision Drive Columbus, OH 43219 Phone Number: 800 - 848 -9380 Fax Number: 614 -500 -4605 Contact Person: Bruno Mejia Email Address: state.programs.intake@ipmchase.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 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 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: 5 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. 6 Comprehensive Housing UUN FINARR.�'2 -14, Y; Counseling Agencies Agencias de Consejo al Cliente para Vivienda Cumberland County *CCCS of Western PA - York 55 Clover Hill Road Dallastown PA 17313 888.511.2227 / 888.511.2227 www.Gccsi)a.org Community Action Commission - Capital Region 1514 Derry St Harrisburg PA 17104 717.232.9757 www.cactdcounty.o Harrisburg Fair Housing Council 2100 N 6th St Harrisburg PA 17110 717.238.9540 Housing & Redevelopment Authority - Cumberland Cnty 114 N Hanover St; STE 104 Carlisle PA 17013 866.683.5907 / 717.249.0789 www.r-chra.com Pathstone Corporation Pennsylvania 1625 North Second St Harrisburg PA 17102 717.234.6616 www.ruralisc.ora /oathstone va.htm Pennsylvania Interfaith Community Programs, Inc. 40 E High St Gettysburg PA 17325 717.334.1518 www.adamscha.ora NOTE: Many of the agencies offer workshops at various location sites; call to find a location near you. Report last updated: 4/30/2012 9:03:04 AM Page 1 of 1 E..xhibit *Exhibit has been redacted to remove allpersonally identifiable information or non-public information k-. Prepared By 1 Return To: z E.Lance/NTC, 2100 Alt. 19 North, Palm Harbor, FL 34683 (800)34 9152 Loan :M791 003900 Tax Code/PIN/0PI #: 29 -17- 1585 -078A 11111111111111111111111111111111111111111111111 1 1 1 1 III I ASSIGNMENT OF MORTGAGE Contact JPMORGAN CHASE BANK, N.A. for this instrument 780 Kansas Lane, Suite A, Monroe, LA 71203, telephone # (866) 756 -8747, which is responsible for receiving payments. FOR GOOD AND VALUABLE CONSIDERATION, the sufficiency of which is hereby acknowledged, the undersigned, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR M &T BANK, ITS SUCCESSORS AND ASSIGNS PO BOX 2026, FLINT, MI, 48501 (MERS Address: 1901 E Voorhees Street, Suite C, Danville, IL 61834) by these presents does convey, grant, assign, transfer and set over the described Mortgage therein together with all interest secured thereby, all liens, and any rights due or to become due thereon to JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, WHOSE ADDRESS IS 700 KANSAS LANE, MC 8000, MONROE, LA 71203 (866)756 -8747, ITS SUCCESSORS OR ASSIGNS, (ASSIGNEE). Said Mortgage is dated 10/05/2007, in the amount of $78,000.00, made by MAX ELSWORTH WALKER AND NANCY ELLA WALKER to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR M &T BANK, recorded on 10/15 /2007, in the Office of the Recorder of Deeds of CUMBERLAND County, Pennsylvania, in Book n/a, Page n/a, and/or Document # 200739559. . Property is commonly known as: 219 MARION AVE. TWP. OF NORTH MIDDLETON, CARLISLE, PA 17013. Dated on n!t LAAP—J (NIlIR/DD/YYYY) MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR M &T BANK, ITS SUCCESSORS AND ASSIGNS By: u ASST. SECRETARY PAGE JPCAS 17676018 -1 CHASE CJ4206067 Nl MIN 100050300006442439 MERS PHONE 1- 888 - 679 -6377' [CJ FRMPA1 { {IIIII IIIII {IIIII {I {I IIIII IIIII IIII{ 11111 {III {III *17676018* Loan &PAR791 r I Ililll Illll Illll Illll IIIII 1111111111 IIIII IIIII IIIII Ilil IIII STATE OF LOUISIANA PARISH OF OUACHITA p " On 01 1 'U6 12 (MM(DD/YYYY), before me appeared �G LI �(' W �, Scf �p •-� to me personally known, who did say that he/she/they is /are the ASST. SECRETARY of MORTGA$E ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR M &T BANK, ITS SUCCESSORS AND ASSIGNS and that the instrument was signed on behalf of the corporation (or association), by authority from its board of directors, and that he/she/they acknowledged the instrument to be the free act and deed of the corporation (or association). 000 Notary Public - State of LOUISIANA Commission expires: Upon My Death Assignment of Mortgage from: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR M &T BANK, ITS SUCCESSORS AND ASSIGNS PO BOX 2026, FLINT, MI, 48501 (MERS Address: 1901 E Voorhees Street, Suite C, Danville, IL 61834) to: JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, WHOSE ADDRESS IS 700 KANSAS LANE, MC 8000, MONROE, LA 71203 (866)756 -8747, ITS SUCCESSORS OR ASSIGNS, (ASSIGNEE) Mortgagor: MAX ELS WORTH WALKER AND NANCY ELLA WALKER When Recorded Return To: JPMorgan Chase Bank, NA C/O NTC 2100 Alt. 19 North Palm Harbor, FL 34683 All that certain lot or piece of ground situated in Mortgage Premise: 219 MARION AVE. TWP. OF NORTH MEDDLETON CARLISLE, PA 17013 CUMBERLAND (Borough or Township, if stated), Commonwealth of Pennsylvania. Being more particularly described in said mortgage. c I, x(,"46 1 ( 501 D u•I` -r . , hereby certify that the below information and address for the assiggnnee are correct: JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, WHOSE ADDRESS IS 700 KANSAS LANE, MC 8000, MONROE, LA 71203 (866)756 -8747, ITS SUCCESSORS OR ASSIGNS, (ASSIGNEE) By: ASST. SECRETARY * 17676018* JPCAS 17676018 -1 CHASE CJ4206067 NI M 100050300006442439 MERS PHONE AGE 2 IN 1- 888 -679 -6377 [C] FRMPAI 11111118111111111111111111181 !IIII 11111 1 11111111 *17676018* i I 4 • r IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA C7 r.a t'7 C E— "1 JPMORGAN CHASE BANK, NATIONAL Mir =M fw ASSOCIATION -,, Plaintiffs c� Case No. vs. y — c-3 - ; -- c-) -; NANCY ELLA WALKER _ Defendant(s) NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in a court- supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer, you must take the following steps to be eligible for a conciliation conference. First, within twenty (20) days of your receipt of this notice, you must contact MidPenn Legal Services at (717) 243 -9400 extension 2510 or (800) 822 -5288 extension 2510 and request appointment of a legal representative at no charge to you. Once you have been appointed a legal representative, you must promptly meet with that legal representative within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer, you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto, your lawyer will prepare and file a Request for Conciliation Conference with the Court, which must be filed 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: - Al A� y (Signature of Couns r Plaintiff) Date Cumberland County Residential ]Mortgage Foreclosure Diversion Program Date Financial Worksheet Cumberland County Court of Common Pleas Docket # BORROWER REQMT FOR i ASSISTANCE To complete•your request for hardship assistance, your lender must consider your circumstances to det+erinine.. possible options while working with your Please provide the following information to the best of your knowledge: CUSTOMER/P111M.,�lti, APPLICANT Borrower name(s): Property Address: City: _State: --.-__ _ Zip: Is the property for s Yes EJ N o ❑ Listing slate: - Price: S Realtor Warne: Realtor Phone: Borrower Occupied? Yes Lj No Lj Mailing Address (if different): City; state: Zip: Phone Numbers: Home: pace: Cell: bather: 1✓xnail: of people in household: How long? .Mailing Address; City: State: zip: Phone Numbers: Dome: Office: Email: Cell: Other: # ofpeople in household: -- How long? First Mortgage Lender: Type of Loan: Loan Number: Date You Closed Your Loam: Second Mortgage Lender: Type of Loan: Loan Number: Total Mortgage Payments Amount: $ _ Included Taxes & lnsurance: Date of Last Payment: Primary Reason for Default• is the loan in Bankruptcy? Yes E] No [] I f yes provide cranes, location of court, case number & attorney: Assets Amount Owed V alue: Home: $ $ Other Real Estate: $ - -- - $ Retirement Funds: $ $ Investments: $ $ Checking: $ $ Savings: $ $ Other: $ $ Automobile #l: Model: Year:. Amount owed: 'value: Automobile #2 : Model: Year: Amount owed: Value: Other transportation (automobiles boats, Model: Year. Amount owed: Value Montli[y Income Name of Employers: 1. 2. 3. Additional Income Description (trot wages). - I • ". - . monthly amount: 2. -- - monthly amount: Borrower Pay Days: Co- Borrower Pay Days: Monthly Exp nses: (Please only include expenses you are currently paying) EXPENSE AMOUNT - - 13XI'ENSE AMOUNT Moqgaae Food MqdS Utilities Car Pa ens Condo/Nei . Fees Auto Insurance Mod. not covered Auto fuel /re irs Other prop, payment Install. Loan Pa mcnt Cable TV Child Sqp port/Alim, S riding Mone 1]a 1C4ild Care/T'uit, Other Expenses Amount Available for Monthly Mortgage Payments Based on Income & Expenses: Have you been working with a Housing Counseling Agency's Yes El No 0 If yes, please provide the following information: Counseling Agency: Coutisel.or: Phone (Office): Fax: + r Email: Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance? Yes• [3 No Q If yes, please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? Yes ❑ No Q If yes, please indicate the status of those negotiations: Please provide the following information, if know, regarding your lender or leader's loan servicing company: Lender's Contact (Name): Phone: Servicing Company (:carne): Contact: Phone: TAVe, 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. IfWc understand that I/we arn/are under no obligation to use the services provided by the above named Borrower Signature Date Co- Borrower Signature — Date Please forward this document along with the following information to lender and lender's counsel: Proof of income 'llf Past 2 bank statements Proof of any expected income for the last 45 days _Y` Copy of a current utility bill , Y Letter explaining reason for delmi quency and any supporting documentation . (hardship letter) Listing agreement (if property is currently on the market) SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson k Sheriff = •L E _ k^F)Cr L Jody S Smith Chief Deputy MAY 15 PM I: 1 . Richard W Stewart Solicitor OF ,E THE REF-dFr CUMBERLAND COUtz f Y PENNSYLVANIA JPMorgan Chase Bank, National Association vs. Case Number Nancy Ella Walker 2013-2639 SHERIFF'S RETURN OF SERVICE 05/13/2013 06:21 PM- Deputy Dennis Fry, 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: Nancy Ella Walker at 219 Marion Avenue, North Middleton, Carlisle, PA 17013. DEN KS FRY, DES T SHERIFF COST: $34.78 SO ANSWERS, May 14, 2013 RbNW R ANDERSON, SHERIFF (c)CountySuite Shoriff,Toleosoft,Inc. C JP Morgan Chase Bank,National : IN THE COURT OF COMM,5 PL-RAS "- G� Association : CUMBERLAND COUNTYrnr+J c/o 3415 Vision Drive : PENNSYLVANIA a- Columbus, OH 43219 Plaintiff " ' V. : Docket No. 13-2639 -' Nancy Ella Walker 219 Marion Avenue Carlisle, PA 17013 : CIVIL ACTION- Defendant : MORTGAGE FORECLOSURE REQUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order dated February 28, 2012, governing the Cumberland County Residential Mortgage Foreclosure Diversions program, the undersigned hereby certifies as follows: 1. Defendant is 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 false statements are made subject to the penalties of 18 Pa.C.S. §4904 relating to unsworn falsification to authorities. co Sign ure of Defendant's Counsel/Appo' ted Date Legal Representative Signature f Defendant Dat JP Morgan Chase Bank, National : IN THE COURT OF COMMON PLEAS Association : CUMBERLAND COUNTY, c/o 3415 Vision Drive : PENNSYLVANIA Columbus, OH 43219 Plaintiff Mco =M @' V. : Docket No. 13-2639 >C7 : Nancy Ella Walker _ 219 Marion Avenue ' Carlisle, PA 17013 : CIVIL ACTION- Defendant : MORTGAGE FORECLOSURE CERTIFICATE OF SERVICE I,Jaime M. Haley, Esquire, of MidPenn Legal Services, attorney for the Defendant, Nancy Ella Walker, hereby certify that I am serving a copy of the Praecipe for Entry of Appearance and Request for Conciliation Conference on the Plaintiff, through their attorney, on the following date and in the manner indicated below: U.S. First Class Mail" Postage Pre-Paid Salvatore Filippello,Esq. KML Law Group Suite 5000-BNY Mellon Independence Center 701 Market Street Philadelphia,PA 19106 MIDPENN LEGAL SERVICES DATE: 0(p (zo(z o-.Lq�� z K,-A, � Jaime M. Haley, Esquire Attorney for Defendants Supreme Ct. ID #205255 401 E. Louther Street, Ste 103 Carlisle, PA 17013 (717)243-9400 JP Morgan Chase Bank, National : IN THE COURT OF COMMON PLEAS Association : CUMBERLAND COUNTY, c/o 3415 Vision Drive ; PENNSYLVANIA Columbus, OH 43219 Plaintiff V. Docket No. 13-2639 Nancy Ella Walker • 219 Marion Avenue Carlisle,PA 17013 : CIVIL ACTION- Defendant : MORTGAGE FORECLOSURE PRAECIPE FOR ENTRY OF APPEARANCE TO THE PROTHONOTARY: Please enter the appearance of MidPenn Legal Services on behalf of the Defendant, Nancy Ella Walker, in the above matter,representing the Defendant in the Cumberland County Residential Mortgage Foreclosure Diversion Program. Respectfully Submitted, MIDPENN LEGAL SERVICES DATE: 6 o q zncs tILQ Jaime M. Haley, Esquire Attorney for Defendant Supreme Ct. ID#205255 401 E. Louther Street, Ste 103 Carlisle, PA 17013 (717)243-9400 JP Morgan Chase Bank,National IN THE COURT OF COMMON PLEAS Association CUMBERLAND COUNTY, c/o 3415 Vision Drive PENNSYLVANIA Columbus, OH 43219 C71, C- Plaintiff X a; V. Docket No. 13-2639 -<> Nancy Ella Walker „ :Z.C-) 219 Marion Avenue 5:c::: Cz Carlisle, PA 17013 CIVIL ACTION- Defendant MORTGAGE FORECLOSURE CASE MANAGEMENT ORDER AND NOW, this of day of 2013, 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 AQ/3at 4, 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 and 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 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 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. DISTRIBUTION: Zme M.Haley, Esquire MidPenn Legal Services 401 E. Louther Street, Ste 103 Carlisle,PA 17013 For the Defendant alvatore Filippello,Esq. KML Law Group Suite 5000-BNY Mellon Independence Center 701 Market Street. Philadelphia,PA 19106 For the Plaintiff P JP MORGAN CHASE BANK, IN THE COURT OF COMMON PLEAS OF NATIONAL ASSOCIATION, CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff CIVIL ACTION—LAW VS. NO. 13-2639 CIVIL NANCY ELLA WALKER, Defendant MORTGAGE FORECLOSURE ORDER AND NOW,this 9 day of August, 2013, at the request of the parties,the conciliation conference in the above matter set for August 9, 2013, is continued to Friday, September 27, 2013, at 4:00 p.m. in Chambers of the undersigned. BY THE COURT, Kevin ess, P. J. --'Nathan Wolf, Esquire For the Plaintiff ,-`�Jaime Haley, Esquire For the Defendant - :rlm of es LL JP MORGAN CHASE BANK, IN THE COURT OF COMMON PLEAS OF NATIONAL ASSOCIATION, CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff CIVIL ACTION—LAW vs. NO. 13-2639 CIVIL NANCY ELLA WALKER, Defendant MORTGAGE FORECLOSURE ORDER AND NOW, this Zs" day of September, 2013, at the request of the parties, the conciliation conference in the above matter set for September 26, 2013, is continued to Thursday,November 14, 2013, at 3:00 p.m. in Chambers of the undersigned. BY THE COURT, Kevi A. Hess, P. J. ./Nathan Wolf, Esquire For the Plaintiff �me Haley, Esquire For the Defendant :rlm MM w 4 Q o ��3 M M , M ro �D D yra =r _Wf -�-1 C-n < ...- JP MORGAN CHASE BANK, IN THE COURT OF COMMON PLEAS OF NATIONAL ASSOCIATION, CUMBERLAND COUNTY, PENNSYLVAN4 Plaintiff rl w C:1 rn -; CIVIL ACTION-LAW zr� ~= vs. NO. 13-2639 CIVIL �� ' r-z CA C NANCY ELLA WALKER, Defendant MORTGAGE FORECLOSURE 3:cz d = IN RE: CONCILIATION CONFERENCE Present at a conciliation conference held November 14, 2013, were Nathan Wolf, Esquire, local counsel for the plaintiff; Jaime Haley, Esquire, attorney for the defendant; the homeowner,Nancy Ella Walker; and her daughter, Wendy Anderson. Numerous prior attempts to submit complete documents in this case have been unsuccessful and the plaintiff has signaled its intention not to review this matter further. Nonetheless and in order to give the homeowner and her family the opportunity to address this matter one final time, the defendant will be given thirty (30) days within which to submit required documents and seek further review of this matter. Unless a request for a continued conciliation conference is lodged with the Court and is unopposed prior to the close of business on Tuesday, December 17, 2013, the Court will entertain the plaintiff's petition for removal of this matter from the Cumberland County Mortgage Foreclosure Diversion Program. November 14, 2013 - X Kevin . Hess, P. J. Nathan Wolf, Esquire For the Plaintiff ZJ'aime Haley, Esquire For the Defendant C es / lkI LL t=nl JP Morgan Chase Bank, National : IN THE COURT OF COMMON PLEAS Association : CUMBERLAND COUNTY, c/o 3415 Vision Drive : PENNSYLVANIA Columbus, OH 43219 • Plaintiff • i v. : Docket No. 13-2639 r PI Nancy Ella Walker c, 219 Marion Avenue • Carlisle, PA 17013 : CIVIL ACTION- Defendant : MORTGAGE FORECLOSURE ..; MOTION TO REQUEST A CONCILIATION CONFERENCE NOW COMES, Defendant,Nancy Ella Walker,by and through her attorney, Jaime M. Haley, Esq.,MidPenn Legal Services, and respectfully files the following Motion to Request a Conciliation Conference and respectfully represents: 1. A Mortgage Foreclosure Diversion Program conciliation conference was held in the above-listed matter on November 14, 2013. 2. The bank requested additional documents at that time. 3. Defendant submitted the documents requested for the bank's review on December 16, 2013. WHEREFORE,Defendant respectfully requests that this Honorable Court schedule a conciliation conference for a date and time as soon as is convenient to the Court's schedule. Respectfully submitted, Date: 12/( (-cc(3 cy,`(oz__(/Le_,,,/„ Jame M.Haley, Esq. Attorney For Defendant MidPenn Legal Services 401 East Louther Street Carlisle, PA 17013 (717)243-9400 ext. 2513 Pio VERIFICATION I verify that the statements made in the foregoing document are true and correct. I understand that false statements herein are made subject to the penalties of perjury of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Dated: v l 3 l�( (1714 tti1W-le-<-- N/ancy Ella/Walker, Defendant JP Morgan Chase Bank, National : IN THE COURT OF COMMON PLEAS Association : CUMBERLAND COUNTY, do 3415 Vision Drive : PENNSYLVANIA Columbus, OH 43219 Plaintiff • v. : Docket No. 13-2639 Nancy Ella Walker • 219 Marion Avenue • Carlisle, PA 17013 : CIVIL ACTION- Defendant : MORTGAGE FORECLOSURE CERTIFICATE OF SERVICE I, Jaime M. Haley, Esquire, of MidPenn Legal Services, attorney for the Defendant, Nancy Ella Walker, hereby certify that I am serving a copy of the Motion to Request Conciliation Conference on the Plaintiff, through their attorney, on the following date and in the manner indicated below: U.S. First Class Mail, Postage Pre-Paid Nathan C. Wolf, Esq. Wolf&Wolf 10 West High Street Carlisle, PA 17013 MIDPENN LEGAL SERVICES t 'ttp DATE: j 2 I I (ZQ(3 t C t, (� Ck- f aime M. Haley, Esquire Attorney for Defendant Supreme Ct. ID #205255 401 E. Louther Street, Ste 103 Carlisle, PA 17013 (717) 243-9400 JP Morgan Chase Bank, National : IN THE COURT OF COMMON PLEAS Association : CUMBERLAND COUNTY, c/o 3415 Vision Drive : PENNSYLVANIA r--, Columbus, OH 43219 . i°-: -;. c Plaintiff • -3: ��' • Cr; �_'�- v. : Docket No 13-2639 mss-- _,,,, 7:3 C: -tom' kO `_ C ) Nancy Ella Walker :4 , - 219 Marion Avenue • j- ;;, f . Carlisle, PA 17013 : CIVIL ACTION- '"") :''• Defendant : MORTGAGE FORECLOSURE ORDER AND NOW, this /9 day of ''r , 2013, upon consideration of Defendant's Motion to Request Conciliation Conference, it is hereby ORDERED and DECREED that: The parties and their counsel are directed to participate in a court-supervised conciliation �-E�2u /91; tf Conference on 4� at y�Qd�in in at the Cumberland County Courthouse, Carlisle, Pennsylvania. 4) ,/ ! . ^ •(O O�� d1eL- J. JP MORGAN CHASE BANK, IN THE COURT OF COMMON PLEAS OF NATIONAL ASSOCIATION, CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff CIVIL ACTION—LAW VS. NO. 13-2639 CIVIL NANCY ELLA WALKER, Defendant MORTGAGE FORECLOSURE IN RE: CONCILIATION CONFERENCE ORDER AND NOW, this 2'✓' day of January, 2014, at the request of counsel, the conciliation conference set for February 14, 2014, is continued to Friday, February 21, 2014, at 4:00 p.m. in Chambers of the undersigned. BY THE COURT '-�', , /y, Kevi A. Hess, P. J. Nathan Wolf, Esquire For the Plaintiff Jaime Haley, Esquire For the Defendant :rlm //4/ rr UI r— t =as c.� CD �`- JP MORGAN CHASE BANK, : IN THE COURT OF COMMON PLEAS OF NATIONAL ASSOCIATION, : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff : CIVIL ACTION—LAW vs. : NO. 13-2639 CIVIL NANCY ELLA WALKER, • Defendant : MORTGAGE FORECLOSURE IN RE: CONCILIATION CONFERENCE ORDER AND NOW, this 2 z day of January, 2014, the conciliation conference set for February 21, 2014, is continued to Wednesday, February 26, 2014, at 4:00 p.m. in Chambers of the undersigned. BY THE COURT /4 AZ Kevi • . Hess, P. J. i Nathan Wolf, Esquire For the Plaintiff ✓ Jaime Haley, Esquire For the Defendant :rlm t•eS / (fit i£L. c .•.a - fr ;cam p-r; r� 52 co 2r JP MORGAN CHASE BANK, NATIONAL ASSOCIATION, Plaintiff vs. NANCY ELLA WALKER, : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA • CIVIL ACTION — LAW : NO. 13-2639 CIVIL Defendant : MORTGAGE FORECLOSURE IN RE: CONCILIATION CONFERENCE ORDER AND NOW, this 3/ day of March, 2014, upon request of counsel for the plaintiff, this matter is removed from the Cumberland County Mortgage Foreclosure Diversion Program and the stay entered in this case is lifted. Xlathan Wolf, Esquire For the Plaintiff V-Jaime Haley, Esquire For the Defendant :rlm CC131.C.S r2.4.-t [Er—Li BY THE COURT Kevin Hess, P. J. :rtur• PRAECIPE FOR 'WRIT OF EXECUTION - (MORTGAGE FORECLOSURE) P.R.C.P 3180-3183 KML Law Group, P.C. Suite 5000 - BNY Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff JPMORGAN CHASE BANK, NATIONAL ASSOCIATION c/o 3415 Vision Drive Columbus, OH 43219 VS. NANCY ELLA WALKER Mortgagor(s) and Record Owner(s) 219 Marion Avenue Carlisle, PA 17013 Plaintiff Defendant(s) IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION — LAW ACTION OF MORTGAGE FORECLOSURE No. 13-2639 PRAECIPE FOR WRIT OF EXECUTION TO THE PROTHONOTARY: Issue Writ of Execution in the above matter: Amount Due Interest from 4/1/2013 to Date of Sale per diem at $13.37 (Costs to be added) By: $82,080.09 KML L ROUP, P.C. Michael c eever Pa. ID 56129 Jay E. Kivitz • a. ID 26769 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Joshua I. Goldman Pa. 205047 Jill P. Jenkins Pa. ID 306588 Andrew F. Gornall Pa. ID 92382 *P S Attorneys for Plaintiff tt..sba, J 0-1L41- '76 voa,9— 1114111 rrak(31M90 P goc(07 (j1r,i 2/ rT : C) 'T— Ca: CD Z.: -4 • KML Law Group, P.C. Suite 5000 — BNY Independence Center 701 Market Street Philadelphia, PA 19106 215- 627 -1322 Attorney for Plaintiff JPMORGAN CHASE BANK, NATIONAL ASSOCIATION c/o 3415 Vision Drive Columbus, OH 43219 vs. NANCY ELLA WALKER (Mortgagor(s) and Record Owner(s)) 219 Marion Avenue Carlisle, PA 17013 Plaintiff Defendant(s) 2,7ilt''AP? 21 PH 1:15 +i i3CRL.1414) COUNTY vENNS YLti'f NIA IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE No. 13 -2639 AFFIDAVIT PURSUANT TO RULE 3129 JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, Plaintiff in the above action, by counsel, KML Law Group, P.C., sets forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located at: 219 Marion Avenue Carlisle, PA 17013 1.Name and address of Owner(s) or Reputed Owner(s): NANCY ELLA WALKER 219 Marion Avenue Carlisle, PA 17013 2. Name and address of Defendant(s) in the judgment: NANCY ELLA WALKER 219 Marion Avenue Carlisle, PA 17013 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 Carlisle, PA 17013 PA DEPARTMENT OF PUBLIC WELFARE - Bureau of Child Support Enforcement Health and Welfare Bldg. - Room 432 P.O. Box 2675 Harrisburg, PA 17105 -2675 4. Name and address of the last recorded holder of every mortgage of record: 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: 6. Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the property which may be affected by the sale. 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale. TENANTS /OCCUPANTS 219 Marion Avenue Carlisle, PA 17013 COMMONWEALTH OF PENNSYLVANIA, DEPT. OF REVENUE INHERITANCE, TAX DIVISION 1131 Strawberry Sq., 6th Floor Harrisburg, PA 17128 DEPARTMENT OF PUBLIC WELFARE ESTATE RECOVERY PROGRAM P.O. Box 8486, Willow Oak Building Harrisburg, PA 17105 -8486 INTERNAL REVENUE SERVICE - SPECIAL PROCEDURES BRANCH 1001 Liberty Avenue Thirteenth Floor, Suite 1300 Pittsburgh, PA 15222 MIDPENN LEGAL SERVICES c/o Jaime M. Haley, Esq. 401 Louther Street, Ste 103 Carlisle, PA 17013 I verify that the statements made in this affidavit are true and correct to the best of my 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. DATED: 40/2011 By: KML LAWG)�tOUP, P.C. Michael M eeve Pa. ID 56129 Jay E. Kivitz Pa. ID 26769 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Joshua I. Goldman Pa. 205047 Jill P. Jenkins Pa. ID 306588 Andrew F. Gornall Pa. ID 92382 Attorneys for Plaintiff JJ?(iffl4 mcC KiVIL Law Group, P.C. Suite 5000- BNY Independence Center 701 Market Street Philadelphia, PA 19106 (215) 627-1322 Attorney for Plaintiff JPMORGAN CHASE BANK, NATIONAL ASSOCIATION do 3415 Vision Drive Columbus, OH 43219 vs. NANCY ELLA WALKER Mortgagor(s) and Record Owner(s) 219 Marion Avenue Carlisle, PA 17013 Plaintiff Defendant(s 13 -2639 «114e "P1 21 Pf r Via, , P E rip IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE Docket No. 13 -2639 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: WALKER, NANCY ELLA NANCY ELLA WALKER 219 Marion Avenue Carlisle, PA 17013 Your house at 219 Marion Avenue, Carlisle, PA 17013 is scheduled to be sold at Sheriffs Sale on Wednesday, September 03, 2014, at 10:00 AM, in Commissioners Hearing Rm 2nd FL Courthouse to enforce the court judgment of $82,080.09 obtained by JPMORGAN CHASE BANK, NATIONAL ASSOCIATION against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay to JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay call our office at 215- 825 -6329 or 1- 866 - 413 -2311. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. 13 -2639 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES NOT TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid price by calling the Sheriff of 717 - 240 -6390. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call the Sheriff of 717 - 240 -6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within thirty (30) days from the date of the Sheriffs Sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the schedule of distribution is filed. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. 8. You may contact the Foreclosure Resource Center: http: / /www.philadelphiafed.org /foreclosure/ YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717 - 243 -9400 13 -2639 Resources available for Homeowners in Foreclosure ACT NOW! Even though your lender (and our client) has filed an Action of Mortgage Foreclosure against you, you still may be able to SAVE YOUR HOME FROM FORECLOSURE. 1). Call an attorney. For referrals to a qualified attorney call either of the following numbers: or 717 - 243 -9400. 2). Call the Consumer Credit Counseling Agency at 1- 800 - 989 -2227 for free counseling. 3). Visit HUD'S website www.hud.gov for Help for Homeowners Facing the Loss of Their Homes. 4). Pennsylvania Housing Finance Agency also offers other loan programs that may assist homeowners in default. Please See the PHFA website http://www.phfa.org/consumers/homeowners/real.aspx. 5). Call the Plaintiff (your lender) at and ask to speak to someone about Loss Mitigation or Home Retention options. 6). Call or contact our office to request the amount to bring the account current, or payoff the mortgage or request a Loan Workout / Home Retention Package. Call our toll free number at 1- 866 - 413 -2311 or via email at homeretention @kmllawgroup.com.com. Call Seth at 215- 825 -6329 or fax 215 -825- 6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215- 825 -6318 or Fax: 215- 825 -6418. Please reference our Attorney File Number of 116891FC. Para informacion en espanol puede communicarse con Loretta al 215-825-6344. KML Law Group, P.C. Suite 5000 — BNY Independence Center 701 Market Street Philadelphia, PA 19106 215- 627 -1322 Attorney for Plaintiff 2'.'JR APR 21 Pri 1: €5 L.0 L 1. I D Cull' JPMORGAN CHASE BANK, NATIONAL ASSOCIATION c/o 3415 Vision Drive Columbus, OH 43219 vs. NANCY ELLA WALKER Mortgagor(s) and Record Owner(s) 219 Marion Avenue Carlisle, PA 17013 Plaintiff Defendant(s) IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE NO. 13 -2639 CERTIFICATION AS TO THE SALE OF REAL PROPERTY Plaintiff, by counsel, hereby certifies that it has complied with the provisions of Act 91 of 1983 and/or the real property in question is not subject to the Act. By: .J h KML LAW e i I • , P.C. Michael McK: er ".. ID 56129 Jay E. Kivitz Pa. ID 26769 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Joshua I. Goldman Pa. 205047 Jill P. Jenkins Pa. ID 306588 Andrew F. Gornall Pa. ID 92382 Attorneys for Plaintiff ,- 13-016{ry Recftc31bi6 -0 THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PA DAVID D. BUELL, PROTHONOTARY One Courthouse Square • Suite100 • Carlisle, PA • 17013 (717) 240-6195 www.ccpa.net JPMORGAN CHASE BANK, NATIONAL ASSOCIATION Vs. NANCY ELLA WALKER WRIT OF EXECUTION NO 13 -2639 Civil Term CIVIL ACTION — LAW 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: (1) See legal description. (2) (Specifically describe personal property when judgment results from a mortgage covering both personal and real property pursuant to Section 9604(a)of the Uniform Commercial Code) NOTE: Description of property must be attached to the writ. Amount Due: $82,080.09 L.L.: $.50 Interest FROM 4/1/2013 TO DATE OF SALE PER DIEM AT $13.37 Atty's Comm: Due Prothy: $2.25 Atty Paid: $183.53 Other Costs: Plaintiff Paid: Date: 4/21/14 (Seal) David D. Buell, Prothonota Deputy REQUESTING PARTY: Name: JENNIFER FRECHIE, ESQUIRE Address: KML LAW GROUP, P.C. SUITE 5000 -BNY INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106 Attorney for: PLAINTIFF Telephone: 215- 627 -1322 Supreme Court ID No. 316160 In the Court of Common Pleas of Cumberland County JPMORGAN CHASE BANK, NATIONAL ASSOCIATION do 3415 Vision Drive Columbus, OH 43219 vs. NANCY ELLA WALKER (Mortgagor(s) and Record Owner(s)) 219 Marion Avenue Carlisle, PA 17013 Plaintiff Defendant(s) PRAECIPE FOR JUDGMENT 4 Z r 3 - No. 13 -2639 co r" t c —0 CD c) r THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. Enter the Judgment in favor of Plaintiff and against NANCY ELLA WALKER by default for want of an Answer. Assess damages as follows: Debt Interest from 4/1/2013 to Date of Sale per diem at $13.37 Total (Assessment of Damages attached) $82,080.09 I CERTIFY THAT 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 ten days prior to the date of the filing of this praecipe. A copy of the notice is attached. R.C.P. 237.1 By: KML LAW GROUP l C. Michael McKeever Pa 56129 _Jay E. Kivitz Pa. ID 267 9 Lisa Lee Pa. ID 78020 _Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Joshua I. Goldman Pa. 205047 Jill P. Jenkins Pa. ID 306588 r Andrew F; rQaa OIIL� 92382 Y t orneys or P anti !h' 31 bl b0 AND NOW i r Lt 1 I LI , Judgment is entered in favor of JPMORGAN CHASE BANK, NATIONAL ASSOCIATION and against NANCY EL 11 W • R b a ault for want o an Answer and damages assessed in the sum of $82,080.09 as per the above certification Prothonotary GbtAsib.sp-A4i4m 0 C 7(oUo a� No12 nom, Rule of Civil Procedure No. 236 — Revised IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY, PENNSYLVANIA CIVIL ACTION - LAW JPMORGAN CHASE BANK, NATIONAL ASSOCIATION c/o 3415 Vision Drive Columbus, OH 43219 NANCY ELLA WALKER (Mortgagors and Record Owner(s)) 219 Marion Avenue Carlisle, PA 17013 Plaintiff vs. Defendant(s) No. 13 -2639 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. NOTICE Notice is given that a judgment in the above - captioned matter has been entered against you. David D. Buell Prothonotary of Cumberland County 1 Courthouse Square Carlisle, PA 17013 Prothonotary By: tY� If you have any questions concerning the above, please contact: KML Law Group, P.C. Suite 5000 — BNY Independence Center 701 Market Street Philadelphia, PA 19106 215- 627 -1322 116891FC THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. TO: NANCY ELLA WALKER WALKER, NANCY ELLA 219 Marion Avenue Carlisle, PA 17013 JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 3415 Vision Drive Columbus, OH 43219 Plaintiff vs. NANCY ELLA WALKER (Mortgagor(s) and Record Owner(s)) 219 Marion Avenue Carlisle, PA 17013 Defendant(s) TO: NANCY ELLA WALKER 219 Marion Avenue Carlisle, PA 17013 DATE OF THIS NOTICE: April 4, 2014 In the Court of Common Pleas of Cumberland County CIVIL ACTION - LAW Action of Mortgage Foreclosure No. 13 -2639 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 (10) 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 PAPER TO YOUR 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 ONFFR LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717- 243 -9400 By: KML ` ROUP, P.C. M a - McKeever Pa. ID 56129 Lisa L • Pa. ID 78020 David Fein Pa. ID 82628 Jill P. Jenkins Pa. ID 306588 yk L. Oflazian Pa. ID 312912 alvatore Filippello Pa. ID 313897 Jennifer Lynn Frechie Pa ID 316160 215- 627 -1322 Attorneys for Plaintiff 116891FC THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. TO: Jaime M Haley, Esq. Midpenn Legal Services 401 Louther Street, Ste 103 Carlisle, PA 17013 JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 3415 Vision Drive Columbus, OH 43219 Plaintiff vs. NANCY ELLA WALKER (Mortgagor(s) and Record Owner(s)) 219 Marion Avenue Carlisle, PA 17013 Defendant(s) TO: Jaime M Haley, Esq. 401 Louther Street, Ste 103 Carlisle, PA 17013 DATE OF THIS NOTICE: April 4, 2014 In the Court of Common Pleas of Cumberland County CIVIL ACTION - LAW Action of Mortgage Foreclosure No. 13 -2639 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 (10) 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 PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE. THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOTJ 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 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717- 243 -9400 By: 1,. ( ►� KML LA UP, P.C. Michael cKeever Pa. ID 56129 Lisa Lee ' a. ID 78020 David Fein Pa. ID 82628 Jill P. Jenkins Pa. ID 306588 Alyk L. Oflazian Pa. ID 312912 JSalvatore Filippello Pa. ID 313897 Jennifer Lynn Frechie Pa ID 316160 215 -627 -1322 Attomeys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA JPMORGAN CHASE BANK, NATIONAL ASSOCIATION Plaintiff vs. NANCY ELLA WALKER Defendant(s) NO. 13 -2639 VERIFICATION OF NON - MILITARY SERVICE UNDER THE SERVICEMEMBERS CIVIL RELIEF ACT AS AMENDED 1. The undersigned attorney with KML Law Group, P.C., as the representative for the Plaintiff in the above entitled matter, does hereby state to the best of his/her information and belief, as follows: 2. That an inquiry has been made with the Defense Manpower Data Center ( "DMDC ") website operated by the United States Department of Defense ( https:// www. dmdc .osd.mil/appj /scra/scraHome.do) for the following individual(s): NANCY ELLA WALKER, has a last known residence of 219 Marion Avenue, Carlisle, PA 17013. The following information was used to search the DMDC (check all that apply): X Last Name X First Name X Social Security Number 3. The DMDC search results, a copy of which is attached, states that based on the information provided, the DMDC does not possess any information indicating that the individual is on active duty or has been on active duty within the last 367 days. The undersigned understands that the statements herein are made subject to penalties of 18 Pa. C.S.A. 4904 relating to unsworn falsification to authorities. By: KML LAW GROUP, P. Michael McKeever Fta�l ID 56129 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Jay Kivitz Pa. ID 26769 Andrew Gornall Pa. ID 92382 Joshua I. Goldman Pa. ID 205047 Salvatore Filippello Pa. ID 313897 Jill P. Jenkins Pa. ID 306588 / Alyk L. Oflazian Pa. ID 312912 �/ Jennifer Lynn Frechie Pa. ID 316160 Attorneys for Plaintiff Department of Defense Manpower Data Center Results as of : Apr-16-2014 01:42:18 PM SCRA 10 Status Rtpoit Pursuant to Servicemembers Civil Relief Act. Last Name: WALKER First Name: NANCY Middle Name: ELLA Active Duty Status As Of: Apr -16 -2014 On Active Duly On Active Duty Status Date Active Duty Start Date Active Duly End Date Status Service Component NA NA - .,' - ` No ' '\ NA This response reflects the Individuals' active duly status based on the Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA . " - - No _ NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Future Cali -Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA ` NA ` No NA This response reflects whether the individual or his/her unit has received earhinotificntion to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his /her unit receiving notification of future orders to report for Active Duty. Mary M. Snavely- Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL: http: //www.defenselink.mil /faq /pis /PCO9SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 521(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN /date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: A8LE6F6FYODORFO KML Law Group, P.C. Suite 5000 — BNY Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff JPMORGAN CHASE BANK, NATIONAL ASSOCIATION do 3415 Vision Drive Columbus, OH 43219 VS. NANCY ELLA WALKER (Mortgagor(s) and Record owner(s)) 219 Marion Avenue Carlisle, PA 17013 Plaintiff Defendant(s) IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION LAW ACTION OF MORTGAGE FORECLOSURE No. 13-2639 ORDER FOR JUDGMENT Please enter Judgment in favor of JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, and against NANCY ELLA WALKER for failure to file an Answer in the above action within (20) days from the date of service of the Complaint, in the sum of $82,080.09. By: KML LAW UP, P.C. Michael McKeever Pa. ID 56129 Jay E. Kivitz Pa, ID 26769 Lisa Lee Pa. ID 78020 Kristina Murtha Pa, ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Joshua I. Goldman Pa. 205047 Jill P. Jenkins Pa. ID 306588 Andrew F. Gornall Pa. ID 92382 Attorneys. for Plaintiff JiT. Evtd titir Frethie 1(of (90 I hereby certify that the above names are correct and that the precise residence address of the judgment creditor is JPMORGAN CHASE BANK, NATIONAL ASSOCIATION c/o 3415 Vision Drive Columbus, OH 43219 and that the name(s) and last known address(es) of the Defendant(s) is/are NANCY E LA WALKER, 219 Marion Avenue Carlisle, PA 17013; By: KML ROUP, P.C. Michael McKeever Pa. ID 56129 Jay E. Kivitz Pa. ID 26769 Lisa Lee Pa. ID 78020 Kristina Murtha Pa, ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa, ID 27615 Joshua I. Goldman Pa. 205047 Jill P. Jenkins Pa. ID 306588 Andrew F. Gornall Pa. ID 92382 Attorneys for Plaintiff jjt,VI II FreCh 31 6[00 ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly assess the damages in this case to be as follows: Principal Balance $73,635.06 Interest from 05/01/2012 through $4,471.83 03/31/2013 Reasonable Attorney's Fee $1,650.00 Accrued Late Charges $52.86 Escrow Advance $2,144.34 Property Inspections $126.00 AND NOW, this 13- 2639/116891FC By: $82,080.09 KML LAW 4RQUP, P.C. Michael Mc eever Pa. ID 56129 Jay E. Kivitz Pa. ID 26769 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Joshua I. Goldman Pa. 205047 Jill P. Jenkins Pa. ID 306588 Andrew F. Gornall Pa. ID 92382 Attorneys for Plaintiff ilJZvtv� i v 1 c tr I b1 b° day of �y t I , 2014 damages are assessed as above. KML LAW GROUP, P.C. Suite 5000 BNY Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 Attorney for Plaintiff JPMORGAN CHASE BANK, NATIONAL ASSOCIATION c/o 3415 Vision Drive Columbus, OH 43219 vs. NANCY ELLA WALKER Mortgagor(s) and Record Owner(s) 219 Marion Avenue Carlisle, PA 17013 Plaintiff Defendant(s) F' PRO -OFFICE (IF THE PROTf4QNQ T, 2014 AUG 14 PM 2; CUMBER,/ C titv. S 116891FC CF: 05/10/2013 SD: 09/03/2014 $82,080.09 THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION — LAW ACTION OF MORTGAGE FORECLOSURE CERTIFICATE OF SERVICE PURSUANT TO Pa.R.C.P. 3129.2 (c) (2) Term No. 13-2639 Andrew Hauck, an employee of KML Law Group, P.C., counsel of Plaintiff, hereby certifies that service on the Defendants of the Notice of Sheriff Sale was made by: Personal Service by the Sheriffs Office/competent adult (copy of return attached). Certified mail by KML Law Group, P.C. (copy of green Postal return receipt attached). Certified mail by Sheriffs Office. Ordinary mail by KML Law Group, P.C. to Attorney for Defendant(s) of record (proof of mailing attached). Acknowledgment of Sheriffs Sale by Attorney for Defendant(s) (proof of acknowledgment attached). Ordinary mail by Sheriffs Office to Attorney for Defendant(s) of record. IF SERVICE WAS ACCOMPLISHED BY COURT ORDER. ( ) ( ) () Premises was posted by Sheriffs Office/competent adult (copy of return attached). Certified Mail & ordinary mail by Sheriffs Office (copy of return attached). Certified Mail & ordinary mail by KML Law Group, P.C. (copy of receipt(s) for Certified Mail attached). ( ) Published in accordance with court order (copy of publication attached). Pursuant to the Affidavit under Rule 3129 (copy attached), service on all lienholders (if any) has been made by ordinary mail KML Law Group, P.C. (copies of proofs of mailing attached). The undersigned understands that the statements herein are subject to the penalties provided by 18 Pa. C.S.A. Section 4904. Respectfully submitted, BY: Andrew Hauck Legal Assistant IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY PENNSYLVANIA JPMORGAN CHASE BANK, NATIONAL ASSOCIATION; et seq. Plaintiff (Petitioner) V. NANCY ELLA WALKER; et al. Defendant (Respondent) CASE and/or DOCKET No.: 13-2639 Sheriffs Sale Date: 9/3/2014 AFFIDAVIT OF SERVICE El Complaint El Summons El Other: NOTICE OF SALE I, KEVEN CHASE, certify that 1 am eighteen years of age or older and that I am not a party to the action nor an employee nor relative of a party , and that I served NANCY ELLA WALKER the above process on the 7 day of May, 2014, at 1:08 o'clock, PM, at 219 Marion Avenue Carlisle, PA 17013 , County of Cumberland, Commonwealth of Pennsylvania: Manner of Service: Q By handing a copy to the Defendant(s) Description: Approximate Age 56-60 Height 5'10 Weight 170 Race WHITE Sex FEMALE Hair BLONDE Military Status: RI No ❑ Yes Branch: Commonwealth/State of Rai County of 13‘,0/ ) SS: Before me, the undersigned notary public, this day, personally, appeared duly sworn according to law, deposes the following: Ke✓ a.. e L A I r to me known, who being I hereby swear or affirm that the facts set forth in the foregoing Affidavit of Service are true and correct. (Signature of Affiant) Subscribed and sworn to fnr' n,, this 4 dayett 4.0?'y . File Number:116891 FC Case ID #:3968605 Notary Public COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL Eric M. Afflerbach, Notary Public Washington Township, 9erks County My Comrnisslon Expires November 18, 2017 Name and Address of Sender 3OLDBECK SUITE 5000 01 MARKET 01 MA EESTREET PA I -I❑ 19106-1532 Check type of mail or service: ❑ Certified- ❑Recorded Delivery (International) 0 COD ❑ Registered ❑ Delivery Confirmation ❑ Return Receipt for Merchandise Express Mail ❑ Signature Confirmation ❑ Insured Affix Stamp Here (If issued as a certificate of mailing, or for additional copies of this bill) Postmark and Date of Receipt Article Number Addressee (Name, Street, City, State, & ZIP Code) Postage Fee Handling Charne Actual Value if Registered Insured Value Due Sender if COD DC Fee SC Fee SH Fee RD Fee RR Fee 1 DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 Carlisle, PA 17013 TENAN 219 Mar Carlisle, 'S/OCCUPANTS on Avenue PA 17013 ;;: . ?�•h' " 4a*` '�'};' ' Q uWTEDSTq oa� 3 x,40 133° o t° . f- � `� `` s a rn n 2, PA DEPARTMENT Bureau of Child Health and Welfare P.O. Box 2675 OF PUBLIC WELFARE - Support Enforcement Bldg. - Room 432 17105-2675•Isr.t UUM DEPT. -DIVISIO 1131 St Harrisburg. DEPARTMENT ESTATE P.O. Box I larrisburg, INTERNAL PROCEDURES 1001 Liberty Thirteen:h Pittsburgh, MIDPENN Nn .laima NWEALTH F REVENUE awberry Sq., PA 17128 OF RECOVERY 8486, Wil PA 17105-840G REVENUE BFANCH Avenue Floor, Suite PA 15222 LEGAL M Haley her Street, PA 17013 OF PENNSYLVANIA, INHEFITANCE, 6th Floor PUBLIC PROGRAM ow Oak Building SERVICE 1300 SERVICES Esq Ste 103 TAX WELFARE -SPECIAL '+•* . �` ''-.''� o �, � •moo` 3. Harrisburg, PA tp i , '� pC`}{ 0 — 4.o t% •� ?.� J!,a ', r/ ?� s+f'y: •• :t r �;, {:' y - 'I 5, d; r :,1 Ga•r•? �;j '• f: i F. *'� .�` r 4'906: ,, . Y, ` J�� "" 401 Lou. Carlisle, 7. $. Total Number of Pieces To I Number of Pieces / Listed by Sender Rec ived at Post Office Postmaster, P (N of receiving employee) See Privacy Act Statement on Reverse PS Form 3$77' Fet uary 2002 (Page 1 of 2) Complete by Typewriter, Ink, or Ball Point Pen 116$91 FC Cumberland County Sale Date: 09/03/2014 NANCY ELLA WALKER KML LAW GROUP, P.C. Suite 5000 — BNY Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-825-6320 Attorney for Plaintiff JPMORGAN CHASE BANK, NATIONAL ASSOCIATION do 3415 Vision Drive Columbus, OH 43219 vs. NANCY ELLA WALKER Mortgagor(s) and Record Owner(s) 219 Marion Avenue Carlisle, PA 17013 Defendant(s) Plaintiff IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE Term No. 13-2639 AFFIDAVIT PURSUANT TO RULE 3129 JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, Plaintiff in the above action, by and through an authorized employee of its attorneys, KML Law Group, P.C., sets forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located at: 219 Marion Avenue Carlisle, PA 17013 1.Name and address of Owner(s) or Reputed Owner(s): NANCY ELLA WALKER 219 Marion Avenue Carlisle, PA 17013 2. Name and address of Defendant(s) in the judgment: NANCY ELLA WALKER 219 Marion Avenue Carlisle, PA 17013 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 Carlisle, PA 17013 PA DEPARTMENT OF PUBLIC WELFARE - Bureau of Child Support Enforcement Health and Welfare Bldg. - Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 4. Name and address of the last recorded holder of every mortgage of record: 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: 6. Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the property which may be affected by the sale. 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale. TENANTS/OCCUPANTS 219 Marion Avenue Carlisle, PA 17013 COMMONWEALTH OF PENNSYLVANIA, DEPT. OF REVENUE INHERITANCE, TAX DIVISION 1131 Strawberry Sq., 6th Floor Harrisburg, PA 17128 DEPARTMENT OF PUBLIC WELFARE ESTATE RECOVERY PROGRAM P.O. Box 8486, Willow Oak Building Harrisburg, PA 17105-8486 INTERNAL REVENUE SERVICE - SPECIAL PROCEDURES BRANCH 1001 Liberty Avenue Thirteenth Floor, Suite 1300 Pittsburgh, PA 15222 Midpenn Legal Services c/o Jaime M. Haley, Esq. 401 Louther Street, Ste 103 Carlisle, PA 17013 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. DATED: August 12, 2014 KML Law Group, P.C. BY: Andrew Hauck Legal Assistant Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY _FILED -OFFICE PROTHONOTARY HE rg� 2Th SEP 15 PH 2: ! CUMBERLAND COUNTY PENNSYLVANIA PEZE OF THE SHERIFF JPMorgan Chase Bank, NA vs. Nancy Ella Walker Case Number 2013-2639 SHERIFF'S RETURN OF SERVICE 06/16/2014 05:46 PM - Deputy Shawn Harrison, being duly sworn according to law, states service was performed by posting a true copy of the requested Real Estate Writ, Notice and Description, and Sale Handbill in the above titled action, upon the property located at 219 Marion Avenue, Carlisle, PA 17013, Cumberland County. 09/02/2014 As directed by Michael McKeever, Attorney for the Plaintiff, Sheriffs Sale Continued to 10/1/2014 09/12/2014 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: $681.40 September 12, 2014 tc} CountvSu:ie Sherif Teteosoft. Inc, SO ANSWERS, RONR ANDERSON, SHERIFF r On April 24, 2014 the Sheriff levied upon the defendant's interest in the real property situated in North Middleton Township, Cumberland County, PA, mown and numbered as, 219 Marion Road, Carlisle, as Exhibit "A" filed with this Writ and by this Reference incorporated herein. Date: April 24, 2014 By: Real Estate Coordinator " The Patriot -News 'Co. 1900 Patriot Drive Mechanicsburg, PA 17050 Inquiries - 717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 tie liatriot-News Now you know THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin) ss Amy Kotula, being duly sworn according to law, deposes and says: That she is a Staff Accountant of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 1900 Patriot Drive, in the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot -News and The Sunday Patriot -News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and State aforesaid; that The Patriot -News and The Sunday Patriot -News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Community Weekly editions which appeared on the date(s) indicated below. That neither she nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot -News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. 2013-2639 Civil Term JPMORGAN CHASE BANK, NA vs. NANCY ELLA WALKER Atty: Michael McKeever IMPROVEMENTS consist of a residential dwelling. BEING PREMISES: 219 Marion Avenue Carlisle, PA 17013 SOLD as the property of NANCY ELLA WALKER TAX PARCEL #17-1 585-078A-0000000-29 This ad ran on the date(s) shown below: 07/13/14 07/20/14 07/27/14 itkec( Sworn to 13d ubscribed before me this 20 day of August, 2014 A.D. Nottry P blic COMMONWEALTH OP PENNSYLVANIA NOTARIAL SEAL Sheryl Marie Leggore, Notary Public Hampden Twp., Cumberland County My Commission Expires July 16, 2018 MEM9ER. PENNSYLVANIA ASSOCIATION OF NOTARIES • the PattiOtsNeWS Now you know 2020 Technology Parkway Mechanicsburg, PA (717) 255-8237 BILL TO: Cumberland County Sheriffs Office Cumberland County Court House Carlisle, PA 17013 ACCT. # 2260 DUPLICATE BILL Date Description Sale # Size Rate Net Cost Of Ad 07/13/14 Sheriff Sale 2639 4.11 $14.29 $ 58.73 07/20/14 Sheriff Sale 2639 4.11 $14.29 $ 58.73 07/27/17 Sheriff Sale 2639 4.11 $14.29 $ 58.73 Notary Fee $5.00 Digital Penn Live Charge 6.83 TOTAL DUE FOR THIS SALE: JLC $ 188.02 LXIII 29 CUMBERLAND LAW JOURNAL 07/18/14 Writ No. 2013-2639 Civil JPMORGAN CHASE BANK, NA vs. NANCY ELLA WALKER Atty.: Michael McKeever IMPROVEMENTS consist of a residential dwelling. BEING PREMISES: 219 Marion Avenue, Carlisle, PA 17013. SOLD as the property of NANCY ELLA WALKER. TAX PARCEL #17-1 585-078A- 0000000-29. 105 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA : ss. COUNTY OF CUMBERLAND : Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: July 11, July 18 and July 25, 2014 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. sa Marie Coyne, Lditor SWORN TO AND SUBSCRIBED before me this 25 day of July, 2014 Notary COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BORO., CUMBERLAND CNTY My Commission Expires Apr 28, 2018 PRAECIPE FOR WRIT OF EXECUTION - (MORTGAGE FORECLOSURE) P.R.C.P 3180-3183 KML Law Group, P.C. Suite 5000 - BNY Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 Attorney for Plaintiff JPMORGAN CHASE BANK; NATIONAL ASSOCIATION do 3415 Vision Drive Columbus, OH 43219 vs. NANCY ELLA WALKER Mortgagor(s) and Record Owner(s) 219 Marion Avenue Carlisle, PA 17013 Plaintiff Defendant(s) IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION — LAW ACTION OF MORTGAGE FORECLOSURE No. 13-2639 PRAECIPE FOR WRIT OF EXECUTION TO THE PROTHONOTARY: Issue Writ of Execution in the above matter: Amount Due ptia G -� CvF S ll l� go " De s Interest from 4/1/2013 to Date of Sale per diem at $13.37 (Costs to be added) $82,080.09 AW GROUP, P.C. el McKeever Pa. ID 56129 . Kivitz Pa. ID 26769 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Joshua I. Goldman Pa. 205047 Jill P. Jenkins Pa. ID 306588 ' , Attorneys for Plaintiff Sa. as ...�L VictUAck. w. ale()C6 (1) 31-7-7q r C,) CD N) et# )84(u33 A- 08 Qti tsec �i�315o3S Uj. ALL that certain tract of land with the improvements thereon erected situate in North Middleton Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at a point on the Northerly line of Marion Road at a stake which in 288 feet East from the Northeast intersection of Maplewood Road and Marion Road; thence by the Easterly line of lands now or formerly of Meek, North 18 degrees 30 minutes East 140 feet to a point at a stake; thence by lands now or formerly of Bucher, South 71 degrees 30 minutes East 85 feet to a point at a stake; thence by lands now or formerly of Bucher, South 18 degrees 30 minutes West 140 feet to a point on the said Northerly line of Marion Road; thence by the said line of Marion Road, North 71 degrees 3Q minutes West 85 feet to a point at a stake, the place of BEGINNING. BEING improved with a one story frame dwelling known as No. 219 Marion Road. IMPROVEMENTS a one story frame dwelling known as No. 219 Marion Road. MUNICIPALITY North Middleton Township BEING PREMISES: 219 Marion Avenue, Carlisle, PA, 17013 SOLD as the property of Nancy Ella Walker TAX PARCEL # 17-1585-078A-0000000-29 BEING the same premises which Max E. 'Walker by deed dated 4/26/1977 and recorded 4/22/1977 in Cumberland County in Deed Book Volume 27 at Page 934 granted and conveyed unto Max E. Walker and Nancy Ella Walker, his wife and the said Max E. Walker departed this life on 2/18/2008, vesting title solely in Nancy Ella Walker. KML Law Group, P.C. Suite 5000 — BNY Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 Attorney for Plaintiff 5 JPMORGAN CHASE BANK, NATIONAL ASSOCIATION do 3415 Vision Drive Columbus, OH 43219 vs. NANCY ELLA WALKER (Mortgagor(s) and Record Owner(s)) 219 Marion Avenue Carlisle, PA 17013 Plaintiff Defendant(s) IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE No. 13-2639 AFFIDAVIT PURSUANT TO RULE 3129 JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, Plaintiff in the above action, by counsel, KML Law Group, P.C., sets forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located at: 219 Marion Avenue Carlisle, PA 17013 1.Name and address of Owner(s) or Reputed Owner(s): NANCY ELLA WALKER 219 Marion Avenue Carlisle, PA 17013 2. Name and address of Defendant(s) in the judgment: NANCY ELLA WALKER 219 Marion Avenue Carlisle, PA 17013 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 Carlisle, PA 17013 PA DEPARTMENT OF PUBLIC WELFARE - Bureau of Child Support Enforcement Health and Welfare Bldg. - Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 4. Name and address of the last recorded holder of every mortgage of record: 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: 6. Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the property which may be affected by the sale. 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale. TENANTS/OCCUPANTS 219 Marion Avenue Carlisle, PA 17013 COMMONWEALTH OF PENNSYLVANIA, DEPT. OF REVENUE INHERITANCE, TAX DIVISION 1131 Strawberry Sq., 6th Floor Harrisburg, PA 17128 DEPARTMENT OF PUBLIC WELFARE ESTATE RECOVERY PROGRAM P.O. Box 8486, Willow Oak Building Harrisburg, PA 17105-8486 INTERNAL REVENUE SERVICE - SPECIAL PROCEDURES BRANCH 1001 Liberty Avenue Thirteenth Floor, Suite 1300 Pittsburgh, PA 15222 Midpenn Legal Services c/o Jaime M. Haley, Esq. 401 Louther Street, Ste 103 Carlisle, PA 17013 I verify that the statements made in this affidavit are true and correct to the best of my information and belief. I understand that false statements herein are made subject to the penaltie CS. Section 4904 relating to unsworn falsification to authorities. DATED: 12.-/ 7-4 I Bv: KM W GROUP, P.C. M'. cKeever Pa. ID 56129 Ja ' - . vitz Pa. ID 26769 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Joshua I. Goldman Pa. 205047 Jill P. Jenkins Pa. ID 306588 //Attorneys for Plaintiff 4(N/f'c-toril Q.. W . C 41 ' Pa. CP 31770 KML Law Group, P.C. Suite 5000- BNY Independence Center 701 Market Street Philadelphia, PA 19106 (215) 627-1322 Attorney for Plaintiff 4 OEC 30 11:-,1 �, , O COUNTY fl','� r SYI''/Ati'.t1A 13-2639 JPMORGAN CHASE BANK, NATIONAL ASSOCIATION c/o 3415 Vision Drive Columbus, OH 43219 vs. NANCY ELLA WALKER Mortgagor(s) and Record Owner(s) 219 Marion Avenue Carlisle, PA 17013 Plaintiff Defendant(s) IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE Docket No. 13-2639 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: WALKER, NANCY ELLA NANCY ELLA WALKER 219 Marion Avenue Carlisle, PA 17013 Your house at 219 Marion Avenue, Carlisle, PA 17013 is scheduled to be sold at Sheriffs Sale on Wednesday, June 03, 2015,.at 10:00 AM, in Commissioners Hearing Rm 2nd FL Courthouse to enforce the court judgment of $82,080.09 obtained by JPMORGAN CHASE BANK, NATIONAL ASSOCIATION against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay to JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay call our office at 215-825-6329 or 1-866-413-2311. 2. You may be able to stop the sale by fling a petition asking the Court to strike or open judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. 13-2639 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES NOT TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid price by calling the Sheriff of 717-240-6390. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call the Sheriff of 717-240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within thirty (30) days from the date of the Sheriffs Sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the schedule of distribution is filed. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. 8. You may contact the Foreclosure Resource Center: http://www.philadelphiafed.org/foreclosure/ YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC &Irvine Row Carlisle, PA 17013 717-243-9400 • 13-2639 Resources available for Homeowners in Foreclosure ACT NOW! Even though your lender (and our client) has filed an Action of Mortgage Foreclosure against you, you still may be able to SAVE YOUR HOME FROM FORECLOSURE. 1). Call an attorney. For referrals to a qualified attorney call either of the following numbers: or 717-243-9400. 2). Call the Consumer Credit Counseling Agency at 1-800-989-2227 for free counseling. 3). Visit HUD'S website www.hud.gov for Help for Homeowners Facing the Loss of Their Homes. 4). Pennsylvania Housing Finance Agency also offers other loan programs that may assist homeowners in default. Please See the PHFA website http://www.phfa.org/consumers/homeowners/real.aspx. 5). Call the Plaintiff (your lender) at and ask to speak to someone about Loss Mitigation or Home Retention options. 6). Call or contact our office to request the amount to bring the account current, or payoff the mortgage or request a Loan Workout / Home Retention Package. Call our toll free number at 1-866-413-2311 or via email at homeretention@kmllawgroup.com.com. Call Seth at 215-825-6329 or fax 215-825- 6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215- 825-6318 or Fax: 215-825-6418. Please reference our Attorney File Number of 116891 FC. Para informacion en espanol puede communicarse con Loretta al 215-825-6344. THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PA DAVID D. BUELL, PROTHONOTARY One Courthouse Square • Suite100 • Carlisle, PA • 17013 (717) 240-6195 www.cepa.net JPMORGAN CHASE BANK, NATIONAL ASSOCIATION Vs. NO 13-2639 Civil Term CIVIL ACTION — LAW NANCY ELLA WALKER WRIT OF EXECUTION 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: (1) See legal description. (2) (Specifically describe personal property when judgment results from a mortgage covering both personal and real property pursuant to Section 9604(a)of the Uniform Commercial Code) NOTE: Description of property must be attached to the writ. Amount Due: $82,080.09 L.L.: Interest FROM 4/1/2013 TO DATE OF SALE PER DIEM AT $13.37 Atty's Comm: Due Prothy: $2.25 Atty Paid: $893.43 Other Costs: Plaintiff Paid: Date: 12/30/14 Ifid;LALI, /RiL David D. Buell, Prothonotary (Seal) '�Oit v 4il/_ Dep>i REQUESTING PARTY: . Name: VICTORIA W. CHEN, ESQUIRE Address: KML LAW GROUP, P.C. SUITE 5000-BNY INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106-1532 Attorney for: PLAINTIFF Telephone: 215-627-1322 Supreme Court ID No. 317741