HomeMy WebLinkAbout13-2789 Supreme Court -foU ,- ennsylvania
COurk Of �Comm , 61 , P1eas For Prothonotary Use Only:
cui j Coyp�S-liee't Docket No: r `' ,s',•
u ; c r
CU ERLAND, County
The information collected on this form. is used solely court administration purposes. This fibrin does not
supplement or replace the filing and service of pleadings or other papers as required , by law or rules of court.
Commencement' of Action:
S Complaint 0 Writ of Summons D Petition
Transfer from Another Jurisdiction Q Declaration of Taking
E
C Lead Plaintiff's Name: Lead Defendant's Name:
Bank of America, N.A. Lisa Trippett a /k/a Lisa Laurito; James Trippett
T Dollar Amount Requested: i within arbitration limits
I Are money dam requested? Yes x No
y g 9 (check one) outside arbitration limits
0
4 N Is this a Class Action Suit? Yes X! No Is this an MDJAppeal? Yes x; No
A Name of Plaintiff /Appellant's Attorney: JORDAN DAVID
Check here if you have no attorney (are a Self- Represented [Pro Sel Litigant)
Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your
PRIMARY CASE. If you are making more than one type of claim, check the one that
you consider most important.
TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS
Q Intentional Q Buyer Plaintiff Administrative Agencies
Malicious Prosecution Debt Collection: Credit Card E] Board of Assessment
0 Motor Vehicle 0 Debt Collection: Other Board of Elections
0 Nuisance E] Dept. of Transportation
S E] Premises Liability Statutory Appeal: Other
Q Product Liability (does.not include .Employment Dispute:
mass tor)
E Q Slander/Libel/ Defamation Discrimination
C El Other: Q Employment Dispute: Other Zoning Board
T Other:
1 Other:
O MASS TORT
Asbestos
N Tobacco
ul Toxic Tort - DES
Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS
Q Toxic Waste El Ejectment E] Common Law /Statutory Arbitration
B 0 Other: Q Eminent Domain /Condemnation Q Declaratory Judgment
Ground Rent Mandamus
Landlord /Tenant Dispute Non - Domestic Relations
Q Mortgage Foreclosure: Residential Restraining Order
PROFESSIONAL LIABLITY [3 Mortgage Foreclosure: Commercial E3 Quo Warranto
Q Dental D Partition 0 Replevin
E] Legal [3 Quiet Title Other:
0 Medical [3 Other:
E3 Other Professional:
Updated 11112011
UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF
BY: MARK J. UDREN, ESQUIRE - ID #04302
STUART WINNEG, ESQUIRE - ID #45362
LORRAINE GAZZARA DOYLE, ESQUIRE - ID #34576
SHERRI J. BRAUNSTEIN, ESQUIRE - ID #90675
SALVATORE CAROLLO, ESQUIRE - ID #311050
HARRY B. REESE, ESQUIRE - ID #310501
ELIZABETH L. WASSALL, ESQUIRE - ID#77788
KATHERINE E. KNOWLTON, ESQUIRE - ID#311713
JOHN ERIC KISHBAUGH, ESQUIRE - ID #33078
NICOLE B. LABLETTA, ESQUIRE - ID #202194
DAVID NEEREN, ESQUIRE - ID#204252 -
JORDAN DAVID, ESQUIRE - ID #311968 :
WOODCREST CORPORATE CENTER 5>
111 WOODCREST ROAD, SUITE 200 —{ 'u
- � � �
CHERRY HILL, NJ 08003 -3620
856- 669 -5400 p leading s@udren.com
Bank of America, N.A. COURT OF COMMON PLEAS
C/O Bank of America, N.A., as successor by CIVIL DIVISION
merger to BAC Home Loans Servicing, LP CUMBERLAND County
16001 North Dallas Parkway
Addison, TX 75006
NO.
Plaintiff
v.
LISA TRIPPETT AMA LISA LAURITO
341 CORNMAN ROAD .
CARLISLE, PA 17013
JAMES TRIPPETT
341 CORNMAN ROAD
CARLISLE, PA 17013
Defendant(s)
COMPLAINT IN MORTGAGE FORECLOSURE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this Complaint and Notice
are served, by entering a written appearance personally or by attorney and filing in writing with
the Court your defenses or objections to the claims set forth against you. You are warned that if
you fail to do so the case may proceed without you and a judgment may be entered against you
by the Court without further notice for any money claimed in the Complaint or for any other
claim or relief requested by the Plaintiff. You may lose money or property or other rights
important to you.
ago�c��
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 OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR
NO FEE.
LAWYERS REFERRAL SERVICE
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 dafiende, la corte tomara medidas y puede continuar la
demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor
del demandante y requiere que usted cumpla con todas las provisioner de esta demanda. Usted
puede perder dinero o sus propiedades u otros derechos importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE
ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO,
VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA
DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE
PUEDE CONSEGUIR ASISTENCIA LEGAL.
NOTICE
The amount of your debt is as stated in the attached document. The name of the
creditor to whom the debt is owed is as named in the attached document. Unless you notify
us within 30 days after receipt of this Notice and the attached document that the validity of
the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If
you do notify us in writing of a dispute within the 30 day period, we will obtain verification
of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute
the debt, it is not an admission of liability on your part. Also, upon your written request
within the 30 day period, we will provide you with the name and address of the original
creditor if different from the current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease
collection of your debt, or any disputed portion of it, until we obtain the information that
is required and mail it to you. Once we have mailed to you the required information, we
will then continue the collection of your debt.
This law firm is deemed to be a debt collector and this Notice and the attached document
is an attempt to collect a debt, and any information obtained will be used for that purpose.
UDREN LAW OFFICES, P.C.
/s/ Mark J. Udren, Esquire
Woodcrest Corporate Center
111 Woodcrest Road, Suite 200
Cherry Hill, NJ 08003 -3620
(856) 669 -5400
1. Plaintiff is Bank of America, N.A.. Plaintiff is the legal holder of the Mortgage that
is the subject of this Action. Plaintiff is either the current mortgagee of record, is the
legal holder of the Mortgage by virtue of being successor in interest to the current
mortgagee of record, or is the legal holder of the Mortgage by virtue of Assignment of
Mortgage. If Plaintiff is the legal holder of the Mortgage by virtue of Assignment of
Mortgage, it is by the following Assignments of Mortgage, all of which have either
been recorded or Plaintiff is in the process of formalizing the actual Assignment of
Mortgage in Plaintiff s favor:
Assignor: Mortgage Electronic Registration Systems, Inc.
Assignee: Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP f/k/a
Countrywide Home Loans Servicing, LP
Date of Assignment: 04/03/2012
Recorded Date: 04/05/2012
Book/Instrument #: Instrument #201209905
Page: N/A
The promissory note is endorsed by Plaintiff, or endorsed in blank and Plaintiff or its
agent has possession of the note.
2. Upon information and belief Defendant(s) and/or their predecessor:
Lisa Trippett a/k/a Lisa Laurito and James Trippett
(hereinafter "Defendants "), are the owners of property located at 341 Cornman Road,
Carlisle, PA 17013, by virtue of Deed dated 11/29/2006 and recorded 12/12/2006 in
Official Records Book 277 at Page 4820 of the Public Records of Cumberland County,
Pennsylvania (hereinafter the "Property ").
3. On 06/04/2010, Defendant(s) and/or their predecessor:
LISA TRIPPETT A/K/A LISA LAURITO AND JAMES TRIPPETT
promised to pay to the order of Primary Residential Mortgage, Inc. , the principal
sum of $161,084.00 payable with interest thereon provided in the Note.
4. By Mortgage dated 06/04/2010, Defendant(s) and/or their predecessor:
LISA TRIPPETT A/K/A LISA LAURITO AND JAMES TRIPPETT
to secure the Note, mortgaged to Mortgage Electronic Registration Systems, Inc.,
as nominee for Primary Residential Mortgage, Inc., the Property which is the
subject of this action. The Mortgage was recorded on 06/15/2010 in Official
Records Book Instrument #201015594 at Page N/A. Said Mortgage is
incorporated herein by referenced in accordance with Pa.R.C.P 1019(g). A legal
description of the mortgage premises is attached hereto and made a part hereof.
5. Said mortgage is in default in that the payment due 10/01/2012, and all subsequent
payments have not been made, and by its terms, upon breach and failure to cure said
breach after notice, all sums secured by said Mortgage, together with the other charges
authorized by said Mortgage and itemized below, shall be immediately due.
6. After demand, the Defendant(s) continues to fail or refused to comply with the terms of
the Mortgage as follows:
(a) By failing or refusing to pay the installments of principal and interest when due in
the amounts indicated below;
(b) By failing or refusing to pay other charges, if any, indicated below.
The following amounts are due on the said Mortgage or modification agreement as of the
date stated below
Unpaid Principal Balance $155,780.74
Accumulated Interest (Due from 09/01/2012 to
05/31/2013) $5,841.81
Accumulated Late Charges $278.32
Escrow Deficit /(Reserve) $1,016.11
Property Inspection Fees $15.00
Grand Total $162,931.98
The above figures are calculated as of 05/03/2013
The interest rate is subject to adjustment if more fully described as such in the note and
mortgage. The interest rate on the subject note is at 5.00000 %. The current monthly accrual of
interest on this loan is $649.0800 and that sum will be added every month hereafter.
The late charge is subject to adjustment if more fully described as such in the note and
mortgage. The late charge rate on the subject note should be added in accordance to the terms of
the note and mortgage charged monthly at $45.89.
7. Breach letters have been sent to Defendant(s) in accordance with the requirements of
the subject mortgage and/or The Pennsylvania Act 6 of 1974 of the Commonwealth of
Pennsylvania and, if applicable, Act 91 of 1983. Copies of the breach letters are attached
hereto as Exhibit "A"
WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant(s) herein in the
sum of $162,931.98 plus ongoing interest, costs and attorneys fees and for sale of the Mortgaged
premises.
UDRE LAW CES, P.C.
BY
Jor ran Esquire
PA ID #s 311968
UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF
WOODCREST CORPORATE CENTER
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003 -3620
856- 669 -5400 pleadings @udren.com
Bank of America, N.A. COURT OF COMMON PLEAS
Plaintiff CIVIL DIVISION
CUMBERLAND County
V.
LISA TRIPPETT A/K/A LISA LAURITO NO.
341 CORNMAN ROAD
CARLISLE, PA 17013
JAMES TRIPPETT
341 CORNMAN ROAD
CARLISLE, PA 17013
Defendant(s)
VERIFICATION
hereby states that he /6D is
of Bank of America, N.A., Plaintiff in this matter, that
he /soeis authorized to make this Verification, and verify that the statements made in the
foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his er
knowledge, information and belief.
The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S.
Section 4904 relating to unsworn falsification to authorities.
Date: W6 4 V
Name: =
Title: &
Company: hny— a p4wLm
MJU #: 13040270 CASE #: 13040270 -1
Legal Description
ALL THAT CERTAIN tract or Parcel of land and premises, situate, lying and being in
the Township of North Middleton in the County of Cumberland and the Commonwealth
of Pennsylvania, more particularly described as follows:
TRACT NO. I
BEGINNING at a point in the center of the public road leading from Longs Gap Road to
the Wertz School House; thence by the center of the said public road North 67 degrees
East, a distance of 100 feet to a point; thence by lands now or formerly of George A.
Heffelfinger, North 23 degrees, West, a distance of 253.3 feet to a stake; thence by the
same, south 67 degrees East, a distance of 253.3 feet to a point in the center of the public
road above described and place of BEGINNING.
TRACT NO.2
BEGINNING at a point in the center of the public road leading from the Longs Gap Road
to the Wertz School House, a corner of other lands now or formerly of Earl R. Moyer and
Sylvia E. Moyer; thence by the center of the said public road, South 67 degrees West, a
distance of 15 feet to a point; thence by lands now or formerly of George A. Heffelfinger
about to conveyed to Glenn M. Eichelberger et ux, North 23 degrees West, a distance of
253.3 feet to a point; thence by lands now or formerly of George M. Heffelfinger, North
67 degrees, East, a distance of 15 feet to a stake, the corner of lands of Earl R. and Sylvia
E. Moyer; thence by the same, South 23 degrees East, a distance of 253.3 feet to a point
in the center of the aforesaid public road, the place of BEGINNING.
Parcel #29 -05- 0427 -114A
January 17, 2013
Account No.: 216884204
JAMES TRIPPETT
341 Cornman Road
Carlisle, PA 17013 -9640
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Dear JAMES TRIPPETT,
The MORTGAGE held by BANK OF AMERICA, N.A. and serviced by Bank of America, N.A. (hereinafter we, us or
ours) on your property located at 341 Cornman Road Carlisle, PA 17013, IS IN SERIOUS DEFAULT because you
have not made the monthly payments in the amounts shown below for the months of 10/01/2012 - 01131/2013.
Monthly Charges: 10/01/2012 - 11/30/2012 @ $1147.48 $2,294.96
12/01/2012 - 01/31/2013 @ $1140.89 $2,281.78
Late Charges: 10/01/2012 - 11/30/2012 @ $45.90 $91.80
12/01/2012 - 12/31/2012 @ $45.64 $45.64
Other Charges: Additional Uncollected Late Charges: $49.65
Uncollected Costs: $46.23
Partial Payment Balance: 0.00
TOTAL DUE: $4,810.06
Late charges and other charges have also accrued to this date in the amount of $233.32. The total amount now
required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is
$4,810.06.
You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of
$4,810.06, plus any additional monthly payments and late charge which may fall due during this period. Such
payment must be made either by cash, cashier's check, certified check or money order, and made at Bank of
America, N.A.at P.O. Box 15222, Wilmington, DE 19886 -5222.
If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage
payments. This means that whatever is owing on the original amount borrowed will be considered due immediately
and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount
of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to
foreclose your mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by the Sheriff
to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal
proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00.
However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if
they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our
reasonable costs. If you cure the default within the thirty day period, you will not be required to pay attorney's fees.
2269510349
We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you
have not cured the default within the thirty 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 foreclosure sale. You
may do so by paying the total amount of the unpaid monthly payments plus any late or other changes then due, as
well as the reasonable attorney's fees and costs connected with the foreclosure sale [and perform any other
requiraments under the mortgage]. It is estimated that the earliest date that such a Sheriffs sale could be held would
be approximately six (6) months from the date of this Notice. A notice of the date of the Sheriff 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 will be by calling us at the following number: 1- 800 -665 -4578.
This payment must be in cash, cashier's check, certified check or money order and made payable to us at the
address stated above.
You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain in
it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be started to evict you.
You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE
PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM
ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL
ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND
ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER
REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT
CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY
ANY THIRD PARTY ACTING ON YOUR BEHALF.
If you cure the default, the mortgage will be restored to the same position as if no default had occurred. However,
you are not entitled to this right to cure your default more than three times in any calendar year."
C3_3222_BRECDISC 15352 09/24/12
IMPORTANT DISCLOSURES
If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under
applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a
demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to
discuss your home loan with us or enter into a loan modification or other loan- assistance program. You
should consult with your bankruptcy attorney or other advisor about your legal rights and options.
Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this
communication is from a debt collector.
There has been a payment default or other default on your loan that could result in acceleration of all sums
due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe
Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc.,
LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc.,
ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect
the Noteholder's interest and rights in the property and under the note and security instrument, including any
remedies thereunder (the "Default Related Services "). Bank of America, N.A. will assess fees to your loan
account for the Default Related Services, including those provided by its affiliates. A schedule of fees that
may be charged to your account for Default Related Services is available at the following web address:
httg:// www .bankofamerica.com /defaultfees . If you do not have internet access, please . contact us at
1- 800 - 669 -6607, Monday through Thursday 8 a.m. - 11 p.m. Eastern, Friday 8 a.m. - 9 p.m. Eastern,
Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a
complete list of the default - related services you could be charged, but does not include a complete list of all
fees or charges that could be assessed on your loan account.
MILITARY PERSONNEUSERVICEMEMBERS If you or your spouse is a member of the military, please
contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford
significant protections and benefits to eligible military service personnel, including protections from
foreclosure as well as interest rate relief. For additional information and to determine eligibility please
contact our Military Assistance Team toll free at 1- 877 - 430 -5434. If you are calling from outside the U.S.
please contact us at 1- 817 - 685 -6491.
ME
2269510349
DIVULGACIONES IMPORTANTES
Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una
exoneracibn de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudacibn, una
demanda de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no este
obligado(a) a hablar de su prestamo para vivienda con nosotros ni a participar en un programa de
modificacibn de prestamos u otro programa de asistencia para prestamos. Usted debe consultar con su
abogado especializado en quiebras u otro asesor acerca de sus opciones y derechos legales.
Bank of America, N.A., el administrador de su prestamo para vivienda este obligado por ley a informarle a
usted que esta comunicacibn proviene de un cobrador de deudas.
Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su prestamo que podria resultar en
la aceleracibn de todas las cantidades adeudadas bajo el Pagare. Como resultado, Bank of America N.A.
utilizara companias, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe
Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe
Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y LandSafe Appraisal
Services, Inc., para proporcionar servicios necesarios pars proteger los intereses del Titular en la propiedad
y sus derechos bajo el instrumento de seguridad y el pagare, incluyendo cualquiera de sus recursos (los
" Servicios relacionados a un incumplimiento "). Bank of America, N.A. aplicara cargos a la cuenta de su
prestamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por
sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un
incumplimiento est6 disponible en el sitio de Internet: [ hfto:// www. bankofamerica.com /defaultfees] Si usted
no tiene acceso a internet, por favor comuniquese con nosotros al 1- 800 - 669 -6607 de lunes a jueves de 8 a.
m. a 11 p. m. hors del este, viernes de 8 a. m, a 9 p, m. hora del este, sabados de a. m, a 3 p. m. hora del
este. para pedir que se le envie una lists de cargos por correo. La lista de cargos contiene una lists
completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lists
completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su prestamo.
PERSONAL MILITARI MIEMBROS DE LAS FUERZAS ARMADAS Si usted o su c6nyuge es un miembro
del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil
para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios
significativos al personal del servicio militar que califiaue incluidas protecciones contra la ejecuci6n
hipotecaria asi Como tambien ayuda en la tasa de interes. Para obtener m6s informacibn y determinar su
calificacibn por favor (lame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al
1- 877 - 430 -5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al
1- 817 -685 -6491.
2269510349
U3 Oulid UF' IAVUrC: 15.5 "1`J UWz41CU1L
Options are Available to Help You
Avoid Foreclosure
Call the number on the enclosed notice to learn more.
When you call, please have your income and expense information available
so we can discuss which option(s) could work for you.
Options to consider if your goal is to stay in your home
Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms,
Modification which may include lowering the interest rate, placing past due amounts at the end of the loan,
Program (HAMP) and /or extending the term of the loan. You may be eligible for this program if you meet the
following requirements:
• The amount you owe on the first mortgage is equal to or less than $729,750 for a
single - family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or
$1,403,400 for a 4 unit property
• You have documented a financial hardship and represented that you do not have sufficient
liquid assets to make the monthly mortgage payments.
• Your mortgage was obtained before Jan. 1, 2009.
• The property securing the mortgage loan has not been condemned or is not in such poor
physical condition that it is not habitable even if not condemned
• The mortgage is secured by a one to four unit property
Loan If you can bring your loan payments up to date, we will accept the funds needed to bring the
Reinstatement loan up to date until the day of your foreclosure sale.
Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay
off a portion of the past due amounts over time. This may include principal, interest, fees,
and /or costs assessed to your loan.
Temporary An agreement whereby we agree not to proceed with foreclosure and /or collection of payments
Forbearance for a period of time, to allow you to re- establish your ability to make the required payments.
Agreement
Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could
(non -HAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving
from an adjustable to a fixed -rate loan, deferring some portion of the unpaid principal balance
to the end of the loan, and /or forgiving some portion of the unpaid principal balance.
Partial Claim (FHA If you have a Federal Housing Administration (FHA) loan and your payments are past due but
loans only) you are now able to make your regular monthly mortgage payment, this program is designed to
bring your loan up to date by creating a second mortgage /lien on your property for the amount
that is past due.
Options to consider if you cannot or do not wish to stay in your home
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Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program
Foreclosure (HAMP) but were unsuccessful in securing a permanent modification through the program.
Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A
Program (HAFA) short sale is a transaction in which you sell your property for less than the total amount owed
on the loan (subject to agreement by your servicer/lenderfinvestor), resulting in the release of
our lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a
transaction in which you agree to voluntarily transfer ownership of your property to us in order
to avoid foreclosure.
Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth less than
Pre- foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale,
Sale (non -HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to
borrowers who are not eligible for HAMP or other home retention alternatives.
Deed in Lieu of Used as an alternative to foreclosure, with a deed in lieu of foreclosure, you transfer ownership
Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total
(non -HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home
. IVY retention alternatives, and who were not able to sell the property through a short sale.
We are here to help you. Please call us today.
2269510349
Hay opciones disponibles para ayudarle a
Evitar la Ejecucion H ipotecaria
Llame al numero que aparece en la notificacion adjunta para obtener mss
informacion
Cuando (lame, por favor tenga a la mano la informaci6n de sus ingresos y gastos para que podamos
discutir cubles opciones podrian funcionar para usted.
Opciones a considerar si su objetivo es permanecer en su casa
Home Affordable Es un programa del gobierno federal que le permite pagar el prestamo bajo los nuevos
Modification terminos acordados, que pueden incluir la reducci6n de la tasa de interes, agregar
Program (HAMP) cantidades vencidas al final del prestamo, y/o extender el plazo del prestamo. Usted
puede calificar para este programa si cumple con los siguientes requisitos:
• La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750
d6lares para una vivienda unifamiliar, $934,200 d6lares pars una propiedad de 2
unidades, $1,129,250 d6lares para una propiedad de 3 unidades o $1,403,400 para
una propiedad de 4 unidades
• Usted ha documentado que atraviesa por una dificultad financiers y declarado que no
tiene suficiente liquidez pars hacer los pagos mensuales de la hipoteca.
• Obtuvo su hipoteca antes del 1 de enero de 2009.
• La propiedad que garantiza el prestamo hipotecario no ha sido condenada o no esta en
malas condiciones fisicas como pars no poder habitarse incluso si no estb condenada.
• La hipoteca est6 garantizada por una propiedad de una a cuatro unidades.
Restablecimient Si usted puede poner al dia los pagos de su prestamo, aceptaremos los fondos necesarios
o del Pr6stamo para que el prestamo este al dia hasta la fecha de la venta por ejecuci6n hipotecaria.
Plan de Pago Un plan de pago le permite a usted hater sus pagos hipotecarics regulares, adem6s de
pagar una porci6n de los montos vencidos a traves del tiempo. Esto puede incluir capital,
interes, cargos o costos aplicados a su prestamo.
Acuerdo Es un acuerdo en el cual aceptamos no proceder con la ejecuci6n hipotecaria y/o el cobro
Temporal de de los pagos por un periodo de tiempo, para permitirle que restablezca su habilidad de
Tolerancia por hater los pagos requeridos.
incumplimiento
Modificaci6n de Una modificaci6n del prestamo es un cambio en los t6rminos originales de su prestamo,
Pr6stamo Las modificaciones podrian incluir reducir su tasa de interes, extender el termino o la fecha
(no por medio de pago del prestamo, cambiar de un prestamo de tasa de interes ajustable a uno de tasa
de HAMP) de interes fija, diferir una parte del saldo del capital impagado al final del prestamo, y/o
condonar una parte del saldo de capital impagado.
Reclamo Parcial Si usted tiene un prestamo de la Administraci6n Federal de Vivienda (FHA) y sus pagos
(solamente esten vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca,
pr6stamos de la este programa est6 disenado para que su prestamo este al dia mediante la creaci6n de
FHA) una segunda hipoteca / gravamen sobre su propiedad por el monto que est6 vencido.
2269510349
Opciones a considerar si no puede o no desea quedarse en su casa
Home Affordable Disenado para ayudar a los prestatarios que califican para el Programa de Home
Foreclosure Affordable Modification (RAMP), pero no consiguieron obtener una modificaci6n
Alternatives permanente a trav6s del programs. HAFA ofrece la posibilidad de una vents en
Program (HAFA) descubierto y, si no tiene exito, una escritura de traspaso voluntario de propiedad en lugar
de la ejecuci6n hipotecaria. Una venta en descubierto es una transacci6n en la que usted
vende su propiedad por menos de la cantidad adeudada en el prestamo (sujeto a previo
acuerdo de su administrador / prestamista / inversionista), resultando en la liberaci6n de
nuestro derecho de retenci6n sobre su propiedad y evitar la ejecuci6n hipotecaria. Una
escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria es una
transacci6n en la que usted est6 de acuerdo de transferir voluntariamente las escrituras de
su propiedad a nosotros con el fin de evitar la ejecuci6n hipotecaria.
Venta en Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de to que
descubierto/ usted adeuda, una vents en descubierto le podria permitir vender su vivienda para pagar
Venta previa a la la hipoteca. En una venta en descubierto, el prestamista acepta recibir una monto menor
ejecuci6n de to que actualmente se adeuda en el prestamo. Se ofrece a los prestatarios que no
hipotecaria (no por califican para HAMP o para otras alternativas de retenci6n de la vivienda.
medio de HAFA)
Escritura de Se usa Como una alternativa de la ejecuci6n hipotecaria. Con una escritura de traspaso
traspaso de voluntario de propiedad en lugar de la ejecuci6n hipotecaria, usted transfiere la titularidad
propiedad en lugar de su vivienda y toda la propiedad que garantiza su prestamo hipotecario. Esto puede
de la ejecuci6n hacer que el monto total vencido de esa hipoteca se considere como pagado. Se ofrece a
hipotecaria (no por prestatarios que no califican para HAMP u otras opciones de retenci6n de vivienda, y que
medio de HAFA) no pudieron vender la propiedad a traves de una vents en descubierto.
Estamos aqui para ayudarle. Por favor Iliamenos hoy.
PRESORT
First -Class Mail
PO Box 9
Temecula, CA 92589 -9048 U SFeest and
Paid
7196 9006 9296 4789 3634 WSO
20130117 -7
� . Ill . FI I I
LISA TRIPPETT
341 Cornman Road
Carlisle, PA 17013 -9640
C3 1445 BLQPA2 14091 08/24/2011
January 17, 2013
Sent Certified Mail:
7196 9006 9296 4789 3634
Return Receipt Requested
Account No.: 216884204
LISA TRIPPETT
341 Cornman Road
Carlisle, PA 17013 -9640
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Dear LISA TRIPPETT,
The MORTGAGE held by BANK OF AMERICA, N.A. and serviced by Bank of America, N.A. (hereinafter we, us or
ours) on your property located at 341 Cornman Road Carlisle, PA 17013, IS IN SERIOUS DEFAULT because you
have not made the monthly payments in the amounts shown below for the months of 10/01/2012 - 01/31/2013.
Monthly Charges: 10/01/2012 - 11/30/2012 @ $1147.48 $2,294.96
12/01/2012 - 01/31/2013 @ $1140.89 $2,281.78
Late Charaes: 10/01/2012 - 11/30/2012 @ $45.90 $91.80
12/01/2012 - 12/31/2012 @ $45.64 $45.64
Other Charges: Additional Uncollected Late Charges: $49.65
Uncollected Costs: $46.23
Partial Payment Balance: 0.00
TOTAL DUE: $4,810.06
Late charges and other charges have also accrued to this date in the amount of $233.32. The total amount now
required to cure this default, or in other words, get caught up in, your payments, as of the date of this letter, is
$4,810.06.
You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of
$4,810.06, plus any additional monthly payments and late charge which may fall due during this period. Such
payment must be made either by cash, cashier's check, certified check or money order, and made at Bank of
America, N.A.at P.O. Box 15222, Wilmington, DE 19886 -5222.
If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage
payments. This means that whatever is owing on the original amount borrowed will be considered due immediately
and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount
of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to
foreclose your mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by the Sheriff
to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal
proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00.
However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if
they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our
reasonable costs. If you cure the default within the thirty day period, you will not be required to pay attorney's fees.
7196 9006 9296 4789 3634
We may also sue you personallyfor the unpaid principal balance and all other sums due under the mortgage. If you
have not cured the default within the thirty 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 foreclosure sale. You
may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as
well as the reasonable attomey's fees and costs connected with the foreclosure sale [and perform any other
requirements under the mortgage]. It is estimated that the earliest date that such a Sheriffs sale could be held would
be approximately six (6) months from the date of this Notice. A notice of the date of the Sheriff 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 will be by calling us at the following number: 1- 800 - 668 -4578.
This payment must be in cash, cashier's check, certified check or money order and made payable to us at the
address stated above.
You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain in
it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be started to evict you.
You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE
PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM
ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL
ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND
ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER
REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT
CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY
ANY THIRD PARTY ACTING ON YOUR BEHALF.
If you cure the default, the mortgage will be restored to the same position as if no default had occurred. However,
you are not entitled to this right to cure your default more than three times in any calendar year."
C3_3222_BRECDISC 15352 09/24/12
IMPORTANT DISCLOSURES
If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under
applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a
demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to
discuss your home loan with us or enter into a loan modification or other loan- assistance program. You
should consult with your bankruptcy attorney or other advisor about your legal rights and options.
Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this
communication is from a debt collector.
There has been a payment default or other default on your loan that could result in acceleration of all sums
due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe
Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc.,
LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc.,
ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect
the Noteholder's interest and rights in the property and under the note and security instrument, including any
remedies thereunder (the "Default Related Services "). Bank of America, N.A. will assess fees to your loan
account for the Default Related Services, including those provided by its affiliates. A schedule of fees that
may be charged to your account for Default Related Services is available at the following web address:
htto:// www .bankofamerica.com /defauItfees If you do not have internet access, please contact us at
1 -800- 669 -6607, Monday through Thursday 8 a.m. - 11 p.m. Eastern, Friday 8 a.m. - 9 p.m. Eastern,
Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a
complete list of the default - related services you could be charged, but does not include a complete list of all
fees or charges that could be assessed on your loan account.
MILITARY PERSONNEL /SERVICE MEMBERS If you or your spouse is a member of the military, please
contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford
significant protections and benefits to eligible military service personnel, including protections from
foreclosure as well as interest rate relief. For additional information and to determine eligibility please
contact our Military Assistance Team toll free at 1- 877 - 430 -5434. If you are calling from outside the U.S.
please contact us at 1- 817 - 685 -6491.
a
7196 9006 9296 4789 3634
DIVULGACIONES IMPORTANTES
Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una
exoneraci6n de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudaci6n, una
demanda de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no esta
obligado(a) a hablar de su pr6stamo para vivienda con nosotros ni a participar en un programa de
modificaci6n de prestamos u otro programa de asistencia para prestamos. Usted debe consultar con su
abogado especializado en quiebras u otro asesor acerca de sus opciones y derechos legales.
Bank of America, N.A., el administrador de su pr6stamo para vivienda este obligado por ley a informarle a
usted que esta comunicaci6n proviene de un cobrador de deudas.
Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su pr6stamo que podria resultar en
la aceleraci6n de todas las cantidades adeudadas bajo el Pagare. Como resultado, Bank of America N.A.
utilizare companias, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe
Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe
Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y LandSafe Appraisal
Services, Inc., para proporcionar servicios necesarics para proteger los intereses del Titular en la propiedad
y sus derechos bajo el instrumento de seguridad y el pagar6, incluyendo cualquiera de sus recursos (los
" Servicios relacionados a un incumplimiento "). Bank of America, N.A. aplicare cargos a la cuenta de su
pr6stamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por
sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un
incumplimiento est6 disponible en el sitio de Internet: [ httr):// www. bankofamerica.com /defaultfeesl Si usted
no tiene acceso a internet, por favor comuniquese con nosotros al 1- 800 - 669 -6607 de lunes a jueves de 8 a.
m. a 11 p. m. hora del este, viernes de 8 a. m. a 9 p. m. hora del este, sebados de 9 a. m. a 3 p. M. hora del
este. pars pedir que se le envie una lista de cargos por correo. La lista de cargos contiene una lista
completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lists
completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su pr6stamo.
PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS Si usted o su c6nyuge es un miembro
del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil
para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios
significativos al personal del servicio militar que califiaue incluidas protecciones contra la ejecuci6n
hipotecaria asi como tambi6n ayuda en la tasa de inter6s. Para obtener mes informaci6n y determinar su
calificaci6n por favor Ilame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al
1- 877 -430 -5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al
1- 817- 685 -6491.
7196 9006 9296 4789 3634
C3_5088 OPTAVDFC 15319 09/24/2012
Options are Available to Help You
Avoid Foreclosure
Call the number on the enclosed notice to learn more.
When you call, please have your income and expense information available
so we can discuss which option(s) could work for you.
Options to consider if your goal is to stay in your home
are ...:.:::: :.::: ::: : :.::_::: ::::: ::..: :: :. : : ::::: :: :: d s i. ,Mon.......
........................................................................................................................ 1.......... ......::.....:: ::: ::......:::::
Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms,
Modification which may include lowering the interest rate, placing past due amounts at the end of the loan,
Program (HAMP) and/or extending the term of the loan. You may be eligible for this program if you meet the
following requirements:
• The amount you owe on the first mortgage is equal to or less than $729,750 for a
single - family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or
$1,403,400 for a 4 unit property
• You have documented a financial hardship and represented that you do not have sufficient
liquid assets to make the monthly mortgage payments.
• Your mortgage was obtained before Jan, 1, 2009.
• The property securing the mortgage loan has not been condemned or is not in such poor
physical condition that it is not habitable even if not condemned
• The mortgage is secured by a one to four unit property
Loan If you can bring your loan payments up to date, we will accept the funds needed to bring the
Reinstatement loan up to date until the day of your foreclosure sale.
Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay
off a portion of the past due amounts over time. This may include principal, interest, fees,
and /or costs assessed to your loan.
Temporary An agreement whereby we agree not to proceed with foreclosure and /or collection of payments
Forbearance for a period of time, to allow you to re- establish your ability to make the required payments.
Agreement
Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could
(non -HAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving
from an adjustable to a fixed -rate loan, deferring some portion of the unpaid principal balance
to the end of the loan, and /or forgiving some portion of the unpaid principal balance.
Partial Claim (FHA If you have a Federal Housing Administration (FHA) loan and your payments are past due but
loans only) you are now able to make your regular monthly mortgage payment, this program is designed to
bring your loan up to date by creating a second mortgage /lien on your property for the amount
that is past due.
Options to consider if you cannot or do not wish to stay in your home
:::::::.:::::::::::::: :::::: ::::.:.::..: :::::::: ::::::::::.
Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program
Foreclosure (HAMP) but were unsuccessful in securing a permanent modification through the program.
Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A
Program (HAFA) short sale is a transaction in which you sell your property for less than the total amount owed
on the loan (subject to agreement by your service r /lender /i nvestor), resulting in the release of
our lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a
transaction in which you agree to voluntarily transfer ownership of your property to us in order
to avoid foreclosure.
Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth less than
Pre - foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale,
Sale (non -HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to
borrowers who are not eligible for HAMP or other home retention alternatives.
Deed in Lieu of Used as an alternative to foreclosure, with a deed in lieu of foreclosure, you transfer ownership
Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total
(non -HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home
E"" I retention alternatives, and who were not able to sell the property through a short sale.
We are here to help you. Please call us today.
7196 9006 9296 4789 3634
Hay opciones disponibles para ayudarle a
Evitar la Ejecucion Hipotecaria
Llame al numero que aparece en la notificaci6n adjunta para obtener mss
information
Cuando llame, por favor tenga a la mano la informaciGn de sus ingresos y gastos para que podamos
discutir tunes opciones podrian funcionar para usted.
Opciones a considerar si su objetivo es permanecer en su casa
Home Affordable Es un programa del gobierno federal que le permite pagar el prestamo bajo los nuevos
Modification terminos acordados, que pueden incluir la reduccibn de la tasa de interes, agregar
Program (HAMP) cantidades vencidas al final del prestamo, y/o extender el plazo del prestamo, Usted
puede calificar para este programa si cumple con los siguientes requisitos:
• La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750
dblares para una vivienda unifamiliar, $934,200 dblares para una propiedad de 2
unidades, $1,129,250 dblares para una propiedad de 3 unidades o $1,403,400 para
una propiedad de 4 unidades
• Usted ha documentado que atraviesa por una dificultad financiera y declarado que no
tiene suficiente liquidez para hater los pagos mensuales de la hipoteca.
• Obtuvo su hipoteca antes del 1 de enero de 2009.
• La propiedad que garantiza el prestamo hipotecario no ha sido condenada o no estt en
malas condiciones fisicas Como para no poder habitarse incluso si no este condenada.
• La hipoteca este garantizada por una propiedad de una a cuatro unidades.
Restablecimient Si usted puede poner al dia los pagos de su prestamo, aceptaremos los fondos necesanos
o del Prestamo para que el prestamo este al dia hasta la fecha de la vents por ejecucibn hipotecaria.
Plan de Pago Un plan de pago le permite a usted hacer sus pagos hipotecarios regulares, ademas de
pagar una porcibn de los montos vencidos a traves del tiempo. Esto puede incluir capital,
interes, cargos o costos aplicados a su prestamo.
Acuerdo Es un acuerdo en el cual aceptamos no proceder con la ejecucibn hipotecaria y/o el cobro
Temporal de de los pagos por un periodo de tiempo, para permitirle que restablezca su habilidad de
Tolerancia por hater los pagos requeridos.
incumplimiento
ModificaciGn de Una modificacibn del prestamo es un cambio en los terminos originales de su prestamo,
Prestamo Las modificaciones podrian incluir reducir su tasa de interes, extender el termino o la fecha
(no por medio de pago del prestamo, cambiar de un prestamo de tasa de interes ajustable a uno de tasa
de HAMP) de interes fija, diferir una parte del saldo del capital impagado al final del prestamo, y/o
condonar una parte del saldo de capital impagado.
Reclamo Parcial Si usted tiene un prestamo de la Administracibn Federal de Vivienda (FHA) y sus pagos
(solamente esten vencidos, pero ahora puede hater sus pagos regulares mensuales de la hipoteca,
prestamos de la este programa esta diseFiado para que su prestamo este al dia mediante la creation de
FHA) una segunda hipoteca / gravamen sobre su propiedad por el monto que este vencido.
7196 9006 9296 4789 3634
Opciones a considerar si no puede o no desea quedarse en su casa
...... ......::.:...:.. ..:::...::..:..::...::......:..
Home Affordable Disenado para ayudar a los prestatarios que califican pars el Programa de Home
Foreclosure Affordable Modification (RAMP), pero no consiguieron obtener una modificacibn
Alternatives permanente a trav6s del programs. HAFA ofrece la posibilidad de una venta en
Program (HAFA) descubierto y, si no tiene 6xito, una escritura de traspaso voluntario de propiedad en lugar
de la ejecucibn hipotecaria. Una venta en descubierto es una transacci6n en la que usted
vende su propiedad por menos de la cantidad adeudada en el pr6stamo (sujeto a previo
acuerdo de su administrador / prestamista / inversionista), resultando en la liberaci6n de
nuestro derecho de retenci6n sobre su propiedad y evitar la ejecucibn hipotecaria. Una
escritura de traspaso voluntario de propiedad en lugar de la ejecucibn hipotecaria es una
transacci6n en la que usted esta de acuerdo de transfers voluntariamente las escrituras de
su propiedad a nosotros con el fin de evitar la ejecucibn hipotecaria.
yenta en Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de to que
descubierto/ usted adeuda, una yenta en descubierto le podria permitir vender su vivienda pars pagar
yenta previa a la la hipoteca. En una vents en descubierto, el prestamista acepta recibir una monto menor
ejecucibn de to que actualmente se adeuda en el pr6stamo. Se ofrece a los prestatarios que no
hipotecaria (no por califican para HAMP o para otras alternativas de retenci6n de la vivienda.
medio de HAFA)
Escritura de Se usa Como una alternativa de la ejecucibn hipotecaria. Con una escritura de traspaso
traspaso de voluntario de propiedad en lugar de la ejecucibn hipotecaria, usted transfiere la titularidad
propiedad en lugar de su vivienda y toda la propiedad que garantiza su pr6stamo hipotecario. Esto puede
de la ejecucibn hacer que el monto total vencido de esa hipoteCa se considere como pagado. Se ofrece a
hipotecaria (no por prestatarios que no califican para HAMP u otras opciones de retenci6n de vivienda, y que
medio de HAFA) no pudieron vender la propiedad a trav6s de una venta en descubierto.
Estamos aqui para ayudarle. - Por favor Ilamenos hoy.
FORM 1
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA�
x�nk (D- AmmCQ N, A . Plaintiff(s) C am- z -,
.r >
vs.
L-iSa
Y1�' �Ci, LISO� Defendant(s) ivil
p pe - tf
LO'U t0'� J Cirr�2S 1 � s
NOTICE OF RESIDENTIAL MORTGAGE FORECLUSUlkh
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. (7l 7) 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 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
opporttirtii'v.t0 nieei "w'iiii a e'ipreSeittatiVe o r Ji;r is:: n an attempt Crh .. aS ..a b: a: F:ge ..eiaS
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.
Resp ctfully mt d:
Date [Sig ture of Counsel for Plaintiff]
Jordan David, Esquire
PA ID #: 311968
t
FORM 2
Cumberland County Residential Mortgage Foreclosure Diversion Program
Financial Worksheet
Date
Cumberland County Court of Common Pleas Docket #
BORRO REQUEST FOR HARDSHIP ASSISTANCE
To complete your request for hardship assistance, your lender must consider your
circumstances to determine possible options while working with your
Please provide the following information to the best of your knowledge:
CUSTOMER/PRIMARY
Borrower name(s):
Property Address:
City: State: Zip:
Is the property for sale? Yes ❑ No ❑ Listing date: Price: $
Realtor Name: Realtor Phone:
Borrower Occupied? Yes ❑ No ❑
Mailing Address (if different):
City: State: Zip:
Phone Numbers: Home: Office:
Cell: Other:
Email:
# of people in household: How long?
Mailing Address:
City: State: Zip:
Phone Numbers: Home: Office:
Cell: Other:
Email:
# of people in household: How long?
FINANCIAL INFORMATION
First Mortgage Lender:
Type of Loan:
Loan Number: Date You Closed Your Loan:
Second Mortgage Lender:
Type of Loan:
Loan Number:
Total Mortgage Payments Amount: $ Included Taxes & Insurance:
Date of Last Payment:
Primary Reason for Default:
Is the loan in Bankruptcy? Yes ❑ No ❑
_.......... .................. ............................... . _........... .
If yes, proN-ride names, location of court, case number & attorney:
Assets Amount Owed Value:
Home: $ $
Other Real Estate: S $
Retirement Funds: $ $
Investments: $ $
Checking: S $
Savings: $ $
Other: $ $
Automobile #l: Model: Year:
Amount owed: Value:
Automobile 42 : Model: Year:
Amount owed: Value:
Other transportation. (automobiles. boats. motorcycles): .Model:
Year: Amount owed: Value
Monthly Income
Name of Employers:
1.
J.
Additional Income Description (not wages):
1. monthly amount:
2. monthly amount:
Borrower Pay Days: Co- Borrower Pay Days:
Monthly Expenses: (Please only include expenses you are currently paving)
EXPENSE AMOUNT EXPENSE AMOUNT
Mortvage Food
2" Mort a -e Utilities
Car Pa«nent(s) Condo/Neigh. Fees
Auto Insurance Med. (not covered)
Auto fuel/repairs Other prop. payment
Install. Loan P V
I a Payment Cable T
Ch:.ld SupportlAhm Spending Money
Day/Child Care /Twit. Other Expenses
Amount. Available for Monthly Mortgage Payments Based on Income & Expenses:
I Have you been working with a Housing Counseling Agency?
Yes ❑ No ❑
If yes, please provide the following information:
Counseling Agency:
Counselor:
Phone (Office): Fax:
...... .... ............... - - -- --
Email:
Have you made application for Homeowners Emergency Mortgage Assistance Program
(HEMAP) assistance?
Yes ❑ No ❑
If yes, please indicate the status of the application:
Have you had any prior negotiations with your lender or lender's loan servicing company
to resolve your delinquency?
Yes ❑ No ❑
If yes. please indicate the status of those negotiations:
Please provide the following information, if know, regarding your lender or Lender's loan
servicing company:
Lender's Contact (Name): Phone:
Servicing Company (Name):
Contact: Phone:
AUTHORIZATION
I /We, authorize the above
named to use /refer this information to my lender /servicer for the sole
purpose of evaluating my financial situation for possible mortgage options. I /We
understand that I /we am /are under no obligation to use the services provided by the above
named
Borrower Signature Date
Co- Borrower Signature Date
Please forward this document along with the following information to lender and
lender's counsel:
Proof of income
Past 2 bank statements
Proof of any expected income for the last 45 days
V Copy of a current utility bill
Letter explaining reason for delinquency and any supporting documentation
(hardship letter)
Listing agreement (if property is currently on the market)
.. ...... ............................... . ............................... .................. .
FORM 3
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY., PENNSYLVANIA
q f Y_ cy� Plaintiff(s)
vs.
Usa Tr) p(! (i a� I< � G L SG �_QU d �endant(s) CIVIL.
REQUEST FOR CONCILIATION CONFERENCE
Pursuant to the Administrative Order dated 2012 governing the Cumberland
County Residential Mortgage Foreclosure Diversion Program, the undersigned hereby certifies
as follows:
I . Defendant is the owner of the real property which is the subject of this mortgage
foreclosure action;
2. Defendant lives in the subject real property, which is defendant's primary
residence;
�. 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 arc made subject to the penalties of 18 Pa. C.S. §4904 relating to
unsworn falsification to authorities.
Signature of Defendant's Counsel/Appointed Date
Legal Representative
Signature of Defendant Date
Signature of Defendant Date
i
UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF
BY. MARK J. UDREN, ESQUIRE -TD #04302
STUART WINNEC,� ESQUIRE - ID #45362
LORRAINE GAZZARA DOYLE, ESQUIRE - ID #34576
SHERRI J. BRAUNSTEIN, ESQUIRE - ID #90675
SALVATORE CAROLLO, ESQUIRE - ID #311050'
HARRY B. REESE, ESQUIRE - ID #310501 w —�
ELIZABETH L. WASSALL, ESQUIRE - ID #77788
KATHERINE E. KNOWLTON, ESQUIRE - ID #311713 .
JOHN ERIC KISHBAUGH, ESQUIRE ID #33078 �' :� C:)
NICOLE B. LABLETTA, ESQUIRE - ID #202194
Q z6 XP C n�
DAVID NEEREN, ESQUIRE - ID #204252 : ' ;;n --
JORDAN DAVID, ESQUIRE - ID #311968 9
WOODCREST CORPORATE CENTER .
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003 -3620
856- 669 -5400
Pleadin @udren.com
Bank of America, N.A. COURT OF COMMON PLEAS
16001 North Dallas Parkway, Addison, TX 75006 CIVIL DIVISION
Plaintiff CUMBERLAND County
V.
NO.
Lisa Trippett a /k/a Lisa Laurito
341 Cornman Road
Carlisle, PA 17013
James Trippett
341 Cornman Road
Carlisle, PA 17013
Defendant(s)
ENTRY OF APPEARANCE
TO THE PROTHONOTARY:
Kindly enter the appearance of the following counsel: Mark J. Udren, Esquire; Stuart Winneg, Esquire; Lorraine
Gazzara Doyle, Esquire; Sherri J. Braunstein, Esquire; Harry B. Reese, Esquire; Salvatore Carollo, Esquire;
Elizabeth L. Wassall, Esquire; Katherine E Knowlton, Esquire, and John Eric Kishbaugh, Esquire; Nicole B.
LaBletta, Esquire; David Neeren, Esquire; Jordan David, Esquire on behalf of the Plaintiff, in the above-
captioned matter.
UDREN AW O E P.C.
B
dan Davi , Esquire
A ID #: 311968
SHERIFF'S OFFICE OF CUMBERLAND COUNTY"''
Ronny RAnderson i Lf , -O FICE
Sheriff 0`r THE PROTHONOTARY
�:afala�+���Tfi�
Jody S Smith �{ ��MAY � AM 11: 03
Chief Deputy
Richard W Stewart ''"
Solicitor r0Fr;r OF THE plrl CUMBERLAND NN�LVAP� A COUNTY
Bank of America, N.A.
vs. Case Number
Lisa Trippett(et al.) 2013-2789
SHERIFF'S RETURN OF SERVICE
05/23/2013 06:50 PM - Deputy Noah Cline, being duly sworn according to law, served the requested Notice of
Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing
a true copy to a person representing themselves to be Lisa Trippett,wife of defendant, who accepted as
"Adult Person in Charge"for James Trippett at 341 Cornman Road, North Middleton, Carlisle, PA 17013.
NOAH CLINE, DEPUTY
05/23/2013 06:50 PM - Deputy Noah Cline, being duly sworn according to law, served the requested Notice of
Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by
"personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Lisa
Trippett at 341 Cornman Road, North Middleton, Carlisle, PA 17013.
NOAH CLINE, DEPUTY
SHERIFF COST: $51.24 SO ANSWERS,
May 24, 2013 RONW R ANDERSON, SHERIFF
(c)CourtySuite Sheriff,Teleosoft.Inc.
UDREN LAW OFFICES,P.C. ATTORNEY FOR PLAINTIFF
WOODCREST CORPORATE CENTER
111 WOODCREST ROAD,SUITE 200
CHERRY HILL,NJ 08003-3620
856-669-5400
pleadings udren.com
COURT OF COMMON PLEAS
Bank of America,N.A. CIVIL DIVISION
Plaintiff Cumberland County
rn
V.
MORTGAGE FORECLOSURE
LISA TRIPPETT A/K/A LISA LAURITO, C- cl.�
JAMES TRIPPETT,
Defendant(s) NO. 13-2789 Civil " C)
C--
AFFIDAVIT OF NON-MILITARY SERVICE
UNDER Pa.R.C.P 76
THE UNDERSIGNED states based upon a search of the Department of Defense Manpower Data
Center for the Defendant(s),that the Defendant(s),LISA TRIPPETT A/K/A LISA LAURITO,JAMES
TRIPPETT,who/each of whom is over 18 years of age is/are not in active military service as defined in
the Servicemembers' Civil Relief Act. The Military Status Report(s)is/are attached hereto as Exhibit
"Aft.
The Affiant lacks sufficient information to be able to determine whether any other Defendants in
this action are in active military service because Plaintiff cannot provide date(s)of birth and/or Social
Security number(s)for said Defendant(s)to enable a search.
This statement is made subject to the penalties of 18 Pa.C.S. §4904 relating to unsworn
falsification to authorities.
Dated: June 13,2013
Attorney for Plaintiff
FUZABETH L WASSALL, ESQ
PA ID 77788
MJU#: 13040270 CASE#: 13040270-1
UDRENLA W OFFICES, P.C.
MARK J. UDREN,ESQUIRE WOODCREST CORPORATE CENTER
111 WOODCREST ROAD
SUITE 200
TINA MARIE RICH CHERRY HILL,NEW JERSEY 08003-3620
OFFICEADMINISTRATOR 856. 669.5400
FAX.856. 669.5399
FREDDIE MAC
PENNSYL VA NIA
DESIGNATED COUNSEL
Prothonotary of Cumberland County
Re: Bank of America,N.A.
vs.
LISA TRIPPETT A/K/A LISA LAURITO,JAMES TRIPPETT,
Cumberland County C.C.P.No. 13-2789 Civil
MJU#: 13040270 CASE#: 13040270-1
Dear Sir or Madam:
Enclosed please find Affidavit of Non-Military Service for the above captioned matter.
I have also enclosed a copy of the Affidavit of Non-Military Service to be time stamped and returned in
the enclosed self-addressed stamped envelope.
Thank you for your assistance in this matter.
Sincerely yours,
Cecily McClendon
Foreclosure Specialist
MJU/
Enclosures
MJU#: 13040270 CASE#: 13040270-1
Department of Defense Manpower Data Center Results as o£:Jun-13-201306:35:22
SCRA 3.0
Statue Bert
>+ Pursuant to Servicemembem Civil Relief Act.
Last Name: TRIPPETT
First Name: JAMES
Middle Name:
Active Duty Status As Of: Jun-13-2013
On Active Duty On Active Duty Status Date
Active Duty Start Date Active Duty End Date w� Status Service Component
NA NA ri'y1��•,�—^`;"'"`��+a... + # No,� NA
This �
Status Date
Left Active Duty Within 367 Days of Active Duty Status Date
Active Duty Start Date Active Duty End Date
-}','s� 5 ` Status �j Service Component
NA NA 5. ,F?uN� k �� NA
'/V, "ti's e. �t� Mi,, .'p
This response reflects whera fill's active:duty"tstatusiwithin 367"days preceding the�',oltve'Duty Status Date
The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date
Order Notification Start Date Order Notification End Date Status f Service Component
NA 142' NA
-.a`0.tdjZ -+:."9.. .s�'i+`
This response reflects whether theind'riidualbr.lilsfier unit has received:early.notifiCatiorito 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 Farce,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.
HOWEVER,WITHOUT A SOCIAL SECURITY NUMBER,THE DEPARTMENT OF DEFENSE MANPOWER DATA CENTER CANNOT AUTHORITATIVELY
ASSERT THAT THIS IS THE SAME INDIVIDUAL THAT YOUR QUERY REFERS TO.NAME AND DATE OF BIRTH ALONE DO NOT UNIQUELY
IDENTIFY AN INDIVIDUAL.
0101
Mary M.Snavely-Dixon,Director
Department of Defense-Manpower Data Center
4800 Mark Center Drive,Suite 04E25
Arlington,VA 22350
EXHIBIT A
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:hftp://www.defenselink.mil/faq/pis/PC09SLDR.htmi. 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,SSNldate of birth,and active duty status date provided by the requester. Providing
erroneous information will cause an erroneous certificate to be provided.
Certificate ID: F3151 D92304BU70
Department of Defense Manpower Data Center Results as of:Jun-132013 06:37:04
SCRA 3.0
Status Report
i
n�
. Pursuant to Sery cemenibers Civil Relief Act
Last Name: TRIPPETT
First Name: LISA
Middle Name:
Active Duty Status As Of: Jun-13-2013
On Active Duty On Active Duty Status Date
Active Duty Start Date Active Duty End Date ,�.♦ Status Service.Component
NA
NA
This response refleclsihe inGivlduals'acfive�duty,status based on the�Active DuryStatus Date
�, ..
Left Active Duty Within 367 Days of Active Duty Status Date
Active Duty Start Date Active Duty End Date f /s�f'�' Status ) y Service Component
NA I�[��ft� �NA '.S'..`'- - ..�`5:_ -`.J�°^.� N}° .. 5! '�p�.l NA
Why--.A. tr -�',.d: 1, �". .�Y Y t�.-
This response reflects i 'ere h6i tndiwdual lets active:duty�status�wi(hin36 'Bays precedlhg ihe�Aclive�Duty Status Data
V ..1 = � i
The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date
Order Notification Start Date Order Notification End Date Status�4.,�! Service Component
NANA NoYfA NA
This response reflects whether the•IndiviEualisPoer unit has received eady;notifcation 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,NOAH,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.
HOWEVER,WITHOUT A SOCIAL SECURITY NUMBER,THE DEPARTMENT OF DEFENSE MANPOWER DATA CENTER CANNOT AUTHORITATIVELY
ASSERT THAT THIS IS THE SAME INDIVIDUAL THAT YOUR QUERY REFERS TO.NAME AND DATE OF BIRTH ALONE DO NOT UNIQUELY
IDENTIFY AN INDIVIDUAL.
Mary M.Snavely-Dixon,Director
Department of Defense-Manpower Data Center
4800 Mark Center Drive,Suite 04E25
Arlington,VA 22350
EXHIBIT A
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.mii"URL:http://www.defense link.mil/faq/pis/PC09SLDR.htmi. 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: 8375BD12304DK10
Department of Defense Manpower Data Center Results as of:Jun-1 3-2013 06:36:03
SCRA 3.0
fi'• ,r f
t Status Report
Pursuant to Serv%cememben Cif Relief Act
Last Name: LAURITO
First Name: LISA
Middle Name:
Active Duty Status As Of: Jun-13-2013
On Active Duty On Active Duty Status Date
Active Duty Start Date Active Duty End Date Status Service Component
NA NA i`..�.+ r .. �...,...,�..`! •i. No\ NA
This response r`e/t/leas I fr e idWdutais active duty'status based o1 n the Ativ.e i D`ur
Slatus Data
Left Active Duty Within 367 Days of Active Duty Status Date
Active Duty Start Date Active Duty End Date Status Service Component
NA NA _ r� ,.ii k',..:_.NO_ 1. . NA
This response reflects where the individual left c 1 e a dutystatus within 367 days preceding the'Active'Duty Status Date
The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date
Order Notification Start Date Order Notification End Date Status Service Component
NA �1NA#i: .�� No t�; NA
This response rettecLs whether the IridiWdua!or Mslher unit has received'aariy notification#o report for alive 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.
HOWEVER,WITHOUT A SOCIAL SECURITY NUMBER,THE DEPARTMENT OF DEFENSE MANPOWER DATA CENTER CANNOT AUTHORITATIVELY
ASSERT THAT THIS IS THE SAME INDIVIDUAL THAT YOUR QUERY REFERS TO.NAME AND DATE OF BIRTH ALONE DO NOT UNIQUELY
IDENTIFY AN INDIVIDUAL.
)01
r F
`i
Mary M.Snavely-Dixon,Director
Department of Defense-Manpower Data Center
4800 Mark Center Drive,Suite 04E25
Arlington,VA 22350
EXHIBITA
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:hftp://www.defenselink.mil/faq/pis/PCOgSLDR.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(NOAH 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: F3TBRD22404DQB0
UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF
WOODCREST CORPORATE CENTER
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003
856-669-5400
Bank of America, N.A. : COURT OF COMMON PLEAS
Plaintiff : CIVIL DIVISION
: Cumberland County
V.
Lisa Trippett a/k/a Lisa
Laurito, James Trippett : NO. 13-2789 Civil
341 Cornman Road
Carlisle, PA 17013
Defendant (s)
PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE
TO THE PROTHONOTARY:
Kindly mark the above DISCONTINUED WITHOUT PREJUDICE,
upon payment of your costs only.
Atto ney for Plaintiff
DATED: November 21, 2013
Nicole L Esquire
PA ID 2.02194
13040270-1
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