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HomeMy WebLinkAbout13-3075 Supreme Co ennsylvania couk Co %- mo . leas For Prothonotary Use Only: ?, C ` 1 , . o t Docket No: C ST C�u rand County 3- r7 5— �p The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service ofpleadings or otherpapers as required by law or rules of court. Commencement of Action: S IM Complaint ® Writ of Summons ® Petition ® Transfer from Another Jurisdiction ® Declaration of Taking E C Lead Plaintiff's Name: Lead Defendant's Name: Bank of America N.A. Lisa Strohecker et al T Dollar Amount Requested: ®within arbitration limits I Are money damages requested? ® Yes El No (check one) ®x outside arbitration limits O N Is this a Class Action Suit? ® Yes 0 No Is this an MDJAppeal? ® Yes S No Eric Kishbau h A Name of Plaintiff /Appellant's Attorney: C ^S g , Es Q uir ® Check here if you have no attorney (are a Self -R resented [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. f TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS k ® Intentional ® Buyer Plaintiff Administrative Agencies ® Malicious Prosecution l3 Debt Collection: Credit Card [3 Board of Assessment l3 Motor Vehicle ® Debt Collection: Other ® Board of Elections 0 Nuisance ® Dept. of Transportation ® Premises Liability ® Statutory Appeal: Other S ® Product Liability (does not include ® Employment Dispute: E mass tort) Slander/Libel/ Defamation Discrimination C l3 Other: E3 Employment Dispute: Other ®Zoning Board T © Other: I I ® Other: O MASS TORT ® Asbestos N i3 Tobacco ® Toxic Tort - DES ® Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS ® Toxic Waste ® Other: ®Ejectment ®Common Law /Statutory Arbitration B O Eminent Domain /Condemnation ® Declaratory Judgment O Ground Rent Mandamus E3 Landlord/Tenant Dispute Non - Domestic Relations « Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABLITY ® Mortgage Foreclosure: Commercial © Quo Warranto V ® Dental ® Partition ® Replevin I ® Legal © Quiet Title ® Other: ® Medical ® Other: ® Other Professional: i Updated 111/2011 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 C-7) , KATHERINE E. KNOWLTON, ESQUIRE - ID #311713 C: JOHN ERIC KISHBAUGH ESQUIRE - 113#33078 r-q � =- . NICOLE B. LABLETTA, ESQUIRE - ID #202194 DAVID NEEREN, ESQUIRE - ID #204252 w � r-71 JORDAN DAVID, ESQUIRE - ID #311968, ; WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 c CHERRY HILL, NJ 08003 -3620 856- 669 - 5400 pleadings @udren.com Bank of America, N.A. COURT OF COMMON PLEAS C/O Bank of America, N.A., as successor CIVIL DIVISION by merger to BAC Home Loans Servicing, CUMBERLAND County LP 16001 North Dallas Parkway Addison, TX 75006 NO. Plaintiff V. LISA STROHECKER 43 W LOCUST ST MECHANICSBURG, PA 17055 ASA M. ZOOK 43 W LOCUST ST MECHANICSBURG, PA 17055 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 o /A sus o �� �g117 �4 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 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 Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (800) 990 -9108 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 provisiones 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. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (800) 990 -9108 r 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: 12/02/2011 Recorded Date: 12/12/2011 Book/Instrument #: Instrument # 201134482 Page: NA 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: Asa M. Zook and Lisa Strohecker (hereinafter "Defendants "), are the owners of property located at 43 West Locust Street, Mechanicsburg, PA 17055, by virtue of Deed dated 11/24/2010 and recorded 01/10/2011 in Official Records Book Instrument # 201101216 at Page NA of the Public Records of Cumberland County, Pennsylvania (hereinafter the 'Property "). 3. On 12/03/2010, Defendant(s) and/or their predecessor: ASA M. ZOOK AND LISA STROHECKER promised to pay to the order of Franklin American Mortgage Company, the principal sum of $ 76,994.00 payable with interest thereon provided in the Note. 4. By Mortgage dated 12/03/2010, Defendant(s) and/or their predecessor: ASA M. ZOOK AND LISA STROHECKER to secure the Note, mortgaged to Mortgage Electronic Registration Systems, Inc., as nominee for Franklin American Mortgage Company , the Property which is the subject of this action. The Mortgage was recorded on 01/10/2011 in Official Records Book Intrument # 201101217 at Page NA. 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 04/01/2012, 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 $75,601.54 Accumulated Interest (From 03/01/2012 to $4,488.90 05/31/2013) Accumulated Late Charges $303.94 Escrow Deficit /(Reserve) $3,290.97 Property Inspection Fee $15.00 Grand Total $83,700.35 The above figures are calculated as of 5/31/2013: 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 4.75000 %. The current monthly accrual of interest on this loan is $299.2561 and that sum will be added every month hereinafter. 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 STROHECKER NO. 43 W LOCUST ST MECHANICSBURG, PA 17055 ASA M. ZOOK 43 W LOCUST ST MECHANICSBURG, PA 17055 Defendant(s) VERIFICATION hereby states that h /she is 10 .J� \�� of Bank of America, N.A., Plaintiff in this matter, that h she 's 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 hi 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: 1 ` Name: cTitleV (6 Com�i co r n MJU #: 13030285 CASE #: 13030285 -1 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 $24.97. 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 1,983. 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 $83,700.35 plus ongoing interest, costs and attorneys fees and for sale of the Mortgaged premises. UDREN LAW OFFICES, P.C. B J. Eric l%hbaugh, Esquire PA ID 33078 Fidelity National Title n Insuranc6QjtWj0h* A (Continued) File No. 10 -1281 LEGAL DESCRIPTION ALL THAT CERTAIN house and lot of ground, situated on the south side of Locust Street, in the Borough of Mechanicsburg, County of Cumberland and State of Pennsylvania, bounded and described as follows: BEGINNING at a corner of lot now or formerly belonging to the German Reformed Church on Locust Street; thence along the curb line on said street,. eastward, twenty -five (25) feet, to the center of the lot, now or formerly of P. H. Sprenkle, southward, in a straight line to the centre of the back kitchen; thence in a direct line to an alley, containing one hundred and twenty -three (123) feet; thence along said alley, westward, twenty -nine (29) feet to the lot now or formerly of the German Reformed Church; thence by said lot, northward on hundred twenty -three (123) feet to the place of BEGINNING; with the undivided one -half use of the hydrant for water, being improved with the western half of a double dwelling house and being known as No. 43 West Locust Street. ALTA Commitment Schedule A (Continued) PRESORT First -Class Mail PO Box 9048 U.S. Postage and Temecula, CA 92589 -9048 Fees Paid 7196 9006 9296 4750 8019 WSO 20130116 -7 �I�I�II��I��II��IIIIII��I II�II�� I 1 LISA STROHECKER _ 43 West Locust Street Mechanicsburg, PA 17055 -6332 Exhibit A C3_1445 BLOPA2 1409108/24/2011 January 16, 2013 Sent Certified Mail: 7196 9006 9296 4750 8019 Return Receipt Requested Account No.: 229293537 LISA STROHECKER 43 West Locust Street Mechanicsburg, PA 17055 -6332 NOTICE OF INTENTION TO FORECLOSE MORTGAGE Dear LISA STROHECKER, The MORTGAGE held by BANK OF AMERICA, N.A. and serviced by Bank of America, N.A. (hereinafterwe, us or ours) on your property located at 43 West Locust Street Mechanicsburg, PA 17055, IS IN SERIOUS DEFAULT because you have not made the monthly payments in the amounts shown below for the months of 02/01/2012 - 01/31/2013. Monthly Charges: 02/01/2012 - 04/30/2012 @ $624.25 $1,872.75 - 05101 /2012 - 01/31/2013 @ $635.08 $5,715.72 Late Charges: 02/01/2012 - 04/30/2012 @ $24.97 $74.91 05/01/2012 - 12/31/2012 @ $25.40 $203.20 Other Charges: Additional Uncollected Late Charges: $149.82 Uncollected Costs: $0.00 Partial Payment Balance: 10.83 TOTAL DUE: $8,005.57 Late charges and other charges have also accrued to this date in the amount of $427.93. 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 $8,005.57. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $8,005.57, plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash, cashiers 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. M R, 7196 9006 9296 4750 8019 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 charges then due, as well as the reasonable attorney'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 - 669 -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 09/24112 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: httn:// 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 /SERVICEMEMBERS 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. s� 7196 9006 9296 4750 8019 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 est6 obligado(a) a hablar de su pr6stamo para vivienda con nosotros ni a participar en un programa de modificaci6n de pr6stamos u otro programa de asistencia pars 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 est6 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 Pagar6. Como resultado, Bank of America N.A. utilizara compaMas, 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 para 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 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 est6i disponible en el sitio de Internet: fhtto: / /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. hora del este, viernes de 8 a. m. a 9 p. m, hora del este, s6bados 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 lista 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 gue califioue incluidas protecciones contra la ejecuci6n hipotecaria asi Como tambi6n ayuda en la tasa de inter6s. Para obtener m6s 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 4750 8019 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 ...............................................................................:.........:....................................:...........:.......................:............:.............:.....:..:....:.:.. ............................... 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 ::•:..i.. ..... :::: : :.::: is :: :i: i,•� :. �:. �:. 0. 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 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 4750 8019 Hay opciones disponibles para ayudarle a Evitar la Ejecucion H ipotecaria Llame al numero que aparece en la notificaci6n adjunta para obtener mas informacion Cuando (lame, por favor tenga a la mano la informacion de sus ingresos y gastos para que podamos discutir cueles opciones podrian funcionar para usted. Opciones a considerar si su objetivo es permanecer en su casa :;:,<:;>::>:::::::::<::>;<::::: :::::::<::<:::::::::::Oes;i* <::<::::::;:: <:; 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 vencidos 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 primers hipoteca es igual o menor que $729,750 dblares pars una vivienda unifamiliar, $934,200 dblares para una propiedad de 2 unidades, $1,129,250 dblares pars 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 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 este en malas condiciones fisicas como para no poder habitarse incluso si no esta 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 necesarios o del Prestamo para que el prestamo este al dia hasta la fecha de la venta por ejecucibn hipotecaria. Plan de Pago Un plan de pago le permite a usted hacer sus pagos hipotecarios regulares; ademes de pagar una pord6n 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 paste 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 hacer sus pagos regulares mensuales de la hipoteca, prestamos de la este programa este disenado para que su prestamo este al dia mediante la creacibn de FHA) una segunda hipoteca / gravamen sobre su propiedad por el monto que este vencido. 7196 9006 9296 4750 8019 Opciones a considerar si no puede o no desea quedarse en su casa Home Affordable Diserlado para ayudar a los prestatarios que califican para el Programa de Home Foreclosure Affordable Modification (RAMP), pero no consiguieron obtener una modificacibn Alternatives permanente a traves del programs. HAFA ofrece la posibilidad de una venta en Program (HAFA) descubierto y, si no tiene exito, una escritura de traspaso voluntario de propiedad en lugar de la ejecucion hipotecaria. Una venta en descubierto es una transaccibn 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 liberacibn de nuestro derecho de retencibn sobre su propiedad y evitar la ejecucion hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecucion hipotecaria es una transaccibn en la que usted este de acuerdo de transferir voluntariamente las escrituras de su propiedad a nosotros con el fin de evitar la ejecucion hipotecaria. Venta en Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de to que descubierto / usted adeuda, una venta en descubierto le podria permitir vender su vivienda para pagar Venta previa a la la hipoteca. En una vents en descubierto, el prestamista acepta recibir una monto menor ejecucion 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 retencibn de la vivienda. medio de HAFA) Escritura de Se usa Como una alternative de la ejecucion hipotecaria. Con una escritura de traspaso traspaso de voluntario de propiedad en lugar de la ejecucion hipotecaria, usted transfiere la titularidad propiedad en lugar de su vivienda y toda la propiedad que garantiza su prestamo hipotecario. Esto puede de la ejecucion 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 retencibn de vivienda, y que medio de HAFA) no pudieron vender la propiedad a traves de una venta en descubierto. Estamos aqui para ayudarle. Por favor Iliamenos hoy. PRESORT First -Class Mail PO Box 9048 U S Temecula, CA 92589 -9048 Fees Paid and Paid 2269435593 WSO 20130116-7 ASA M ZOOK 43 West Locust Street Mechanicsburg, PA 17055 -6332 C3_1445 BLQPA2 14091 08/24/2011 January 16, 2013 Account No.: 229293537 ASA M ZOOK 43 West Locust Street Mechanicsburg, PA 17055 -6332 NOTICE OF INTENTION TO FORECLOSE MORTGAGE Dear ASA M ZOOK, 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 43 West Locust Street Mechanicsburg, PA 17055, IS IN SERIOUS DEFAULT because you have not made the monthly payments in the amounts shown below for the months of 02/01/2012 - 01/31/2013. Monthly Charges: 02/01/2012 - 04/30/2012 @ $624.25 $1,872.75 05/01 /2012 - 01/31/2013 @ $635.08 $5,715.72 Late Charges: 02/01/2012 - 04/30/2012 @ $24.97 $74.91 05/01/2012 - 12/31/2012 @ $25.40 $203.20 Other Charges: Additional Uncollected Late Charges: $149.82 Uncollected Costs: $0.00 Partial Payment Balance: 10.83 TOTAL DUE: $8,005.57 Late charges and other charges have also accrued to this date in the amount of $427.93. 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 $8,005.57. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $8,005.57, 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. 2269435593 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 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 - 669.4578. 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: http:// 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. ®rl 2269435593 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 pars vivienda con nosotros ni a participar en un programa de modificaci6n de pr6stamos u otro programa de asistencia para prastamos. Usted debe consultar con su abogado especializado en quiebras a otro asesor acerca de sus opciones y derechos legales. Bank of America, N.A., el administrador de su pr6stamo para vivienda esta 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 Pagar6. 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 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 (Jos " Servicios relacionados a un incumplimiento "). Bank of America, N.A. aplicar6 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 esta disponible en el sitio de Internet: f httr):// www. bankofamerica.com /defauitfees Si usted no tiene acceso a internet, por favor comuniquese con nosotros al 1- 800 - 669 -6607 de Junes 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, sabados de 9 a. m. a 3 p. m. hora del este. para pedir que se le envie una lists de cargos por correo. La lists de cargos contiene una lists completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lista 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 califigue incluidas protecciones contra la ejecuci6n hipotecaria asi como tambi6n ayuda en la tasa de inter6s. Para obtener mss 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. 2269435593 C.G,i_ UI'IHVL&L; 10a1a UWZ41LU1'L 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 :.: ::.. : :. .::::::.: :::::.............:::.:::::.:::::.:::«::::. :::: :::: ::::::::::::: :: : ::::. :: Qci. ,€ pan...... ............................:•: ::.::;.: <;:: ::::: :: .... :: ::: 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 ?ice:::. ......::,_ i'�,1 .::.:: ......... ...... ........::•::::: >:::.::.:: ..... :. ::���„'�, , ���::::::.:::::::::::.:�:: :: ::::::::: >. 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 f 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 ,? 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. 2269435593 Hay opciones disponibles para ayudarle a Evitar la Ejecucion Hipotecaria Dame al numero que aparece en la notification adjunta para obtener mas information Cuando Ilame, por favor tenga a la mano la informaci6n de sus ingresos y gastos para que podamos discutir cuales opciones podrian funcionar para usted. Opciones a considerar si su objetivo es permanecer en su casa Zx Home Affordable Es un programa del gobierno federal que le permite pagar el pr6stamo bajo los nuevos Modification t6rminos acordados, que pueden incluir la reducci6n de la tasa de inter6s, agregar Program (HAM P) cantidades vencidos al final del pr6stamo, y/o extender el plazo del pr6stamo. 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 para 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 financiera y declarado que no tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca. • Obtuvo su hipoteca antes del 1 de enero de 2009. • La propiedad que garantiza el pr6stamo hipotecario no ha sido condenada o no est6 en malas condiciones fisicas como para no poder habitarse incluso si no esta condenada. • La hipoteca est6 garantizada por una propiedad de una a cuatro unidades. Restablecimient Si usted puede poner al dia los pagos de su pr6stamo, aceptaremos los fondos necesarios o Pr6stamo para que el pr6stamo est6 al dia hasty la fecha de la venta por ejecuci6n hipotecaria. Plan de Pago Un plan de pago le permite a usted hater sus pagos hipotecarios regulares, ademas de pagar una porci6n de los montos vencidos a trav&s del tiempo. Esto puede incluir capital, inter6s, cargos o costos aplicados a su pr6stamo. 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 pr6stamo es un cambio en los t6rminos onginales de su pr6stamo, Pr6stamo Las modificaciones podrian incluir reducir su tasa de inter6s, extender el t6rmino o la fecha (no por medio de pago del pr6stamo, cambiar de un pr6stamo de tasa de inter6s ajustable a uno de tasa de HAMP) de inter6s fija, diferir una parte del saldo del capital impagado al final del pr6stamo, y/o condonar una parte del saldo de capital impagado. Reclamo Parcial Si usted tiene un pr6stamo de la Administraci6n Federal de Vivienda (FHA) y sus pagos (solamente estan vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca, pr6stamos de la este programa esta disenado para que su pr6stamo este al dia mediante la creaci6n de FHA) una segunda hipoteca / gravamen sobre su propiedad por el monto que esta vencido. 2269435593 s • 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 (HAMP), pero no consiguieron obtener una modificacidn Alternatives permanente a traves del programs. HAFA ofrece la posibilidad de una venta en Program (HAFA) descubierto y, si no tiene exito, una escritura de traspaso voluntario de propiedad en lugar de la ejecucibn hipotecaria. Una venta en descubierto es una transaccibn 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 liberacibn de nuestro derecho de retencibn sobre su propiedad y evitar la ejecucibn hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecucibn hipotecaria es una transaccibn en la que usted este de acuerdo de transferir voluntariamente las escrituras de su propiedad a nosotros con el fin de evitar la ejecucibn 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 ejecucion l , de to que actualmente se adeuda en el prestamo. Se ofrece a los prestatarios que no hipotecaria (no por califican para HAMP o pars otras alternativas de retencibn 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 prestamo hipotecario. Esto puede de la ejecucion 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 retencibn 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 Ilamenos hoy. FORM 1 - IN THE COURT OF COMMON PLEAS r 77 CUMBERLAND COUNTY, PENNSYL`;kfRA Plaintiff(s) r< C�� c_ vs � S' )>C C 13 -3a`1 r Defendant(s) J Civil NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you' may be able to participate in a court- supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer, you must take the following steps to be eligible for a conciliation conference. First, within twenty (20) days of your receipt of this notice, you must contact MidPenn Legal Services at. (717) 243 -4400 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 -,Fill have an {• r l� attem ,. tite T S Ujlportunity tv i7ieei with a representa" vi "v'ur ir. ai: a�.en;vt t is . 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: 1 � 5�aG10 o Date [ .'gnature of Counsel for Plaintiff] J. Eric Kishbaugh, Esquire PA ID 33078 FORM 2 Cumberland County .Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland County .Court of Common Pleas Docket # BORROWER REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance, your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: CUSTOMER/PRIMARY APPLICANT 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 Ion ,a? Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household: How long? FINANCIAL INFORIMATION 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, provide names,, location of court, case number & attorney: Assets Amount Owed: Value: Home: $ $ Other Real Estate: $ Retirement Funds: $ $ Investments: $ $ Checking: S $ i Savings: $ $ Other: $ Automobile #1: Model: Year: Amount owed: Value: Automobile #2: Model: Year: Amount owed: Value: Other transportation. (automobiles, boats, motorcycles): Model: Year: Amount owed: Value Monthly Income Name of Employers: 1. Additional Income Description (not wages): 1. monthly amount: monthly amount: Borrower Pay Days: Co-Borrower Pay Days: Monthly Expenses: (Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Mort,age Food 2" Mort gaue Utilities Car Payment(s) Clondo/Neigh. Fees Auto Insurance Med. (not covered) Auto fuel/repairs Other prop. payment Install. Loan Payment Cable TV ild SuppoTVA 1 i Spending Mone'i Da . /Child Care /Tait. Other ExpeTfses Amount Available for Monthly Mortgage Payments Based on Income & Expenses: Have you been working with a Housing Counseling Agency? Yes ❑ No ❑ If yes, please provide the following information: Counseling Agency: Counselor: Phone (Office): Fax: ........... ............ .... . ............. . . ............. . ... Email: Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance? Yes ❑ No ❑ 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. 1 /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 -V( Past 2 bank statements Y Proof of any expected income for the last 45 days V Copy of a current utilit? bill V Letter explaining reason for delinquency and any supporting documentation - I (hardship letter) Y Listing agreement (if property is currently on the market) ............................. ............................... _....... FORM 3 1N THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff(s) vs. Defendant(s) civil, REQUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order dated 2012 governing the Cumberland County Residential Mortgage Foreclosure Diversion Program, the undersigned hereby certifies as follows: I . Defendant is the owner of the real property xhich 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 Resi Chat Mortgage F oreclosure Diversion Program" and has taken all of the steps required in at 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. Signature of Defendant's Counsel /Appointed Date Legal Representative Signature of Defendant Date Signature of .Defendant Date i i 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 v HARRY B. REESE, ESQUIRE - ID#310501 r ELIZABETH L. WASSALL, ESQUIRE - ID#77788' JOHN ERIC KISHBAUGH, ESQUIRE - ID #33078 S. � NICOLE B. LABLETTA, ESQUIRE - ID #202194 r -? DAVID NEEREN, ESQUIRE - ID #204252 JORDAN DAVID, DAVID, ESQUIRE - ID #311968 - F WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200' CHERRY HILL, NJ 08003 -3620 P 856- 669 -5400 Pleadings@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. 3 co ` 4 . Cl U� C l� Lisa Strohecker I 43 W LOCUST ST MECHANICSBURC,� PA 17055 Asa M. Zook 43 W LOCUST ST MECHANICSBURG, PA 17055 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. Wassail, Esquire; John Eric Kishbaugh, Esquire; Nicole B. LaBletta, Esquire; David Neeren, Esquire, and Jordan David, Esquire on behalf of the Plaintiff, in the above - captioned matter. UDREN L OFFICES, P.C. BY: I Eric Kishbaugh, Esquire PA ID 33078 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Ff Sheriff -HE r�i20TRJir� l.,t-. Jody S Smith -6'" �•,� r Chief Deputy �- 2913 JUN 14 AM 8: 5S Richard w Stewart CUMBERLAND GOUti T Y Solicitor - PENNSYLVANIA Bank of America,N.A. Case Number vs Lisa Strohecker lot l J 2013-3075 SHERIFF'S RETURN OF SERVICE i 06105M13 02:10 PM-Deputy Shawn Gutshall, being duly swum 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.Asa Mason Zook at 43 W Locust Street, Mechanicsburg Borough, Mecnanicsbur PA 17055. S TSHAL"; EPUTY 06/05/2013 02:10 PM-Deputy Shawn Gutshall, 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 Asa Zook, Fatherof defendant,who accepted as "Adult Person in Charge'for Lisa Strohecker at 43 W. Locust Street, Mechanicsburg Borough, Mechanicsburg, PA 17055, GUTSH EPUTY SHERIFF COST: $5520 SO ANSWERS, June 06, 2013 RONNY R ANDERSON, SHERIFF 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 -=a C-- ,,' Bank of America,N.A. CIVIL DIVISION 2�' C-- V Plaintiff Cumberland County �r- _ LISA STROHECKER,ASA ZOOK,LISA]MORTGAGE FORECLOSURE �° STROHECKER,ASA M.ZOOK, o c Defendant(s) NO. 13-3075 —�+ - 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 STROHECKER,ASA ZOOK,LISA STROHECKER,ASA M.ZOOK,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 "A". 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 dates)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 unswom falsification to authorities. Dated: July 10,2013 A orney for Plaintiff J.Erie Kishbaugh, Esquire PA I D 33078 MJU#: 13030285 CASE#: 13030285-1 UDRENLA W OFFICES, A C. MARK J.UDREN,ESQUIRE WOODCREST CORPORATE CENTER Ill WOODCREST ROAD TINA CHERRYHILL SUITE 200 OFFICEADM NISTRATOR 856 669.5400 Y08003-3620 FAX.•856. 669.5399 FREDDIE MAC PENNSYL VAANIA DESIGNATED COUNSEL Prothonotary of Cumberland County One Courthouse Square Carlisle,PA 17013 Re: Bank of America,N.A. VS. LISA STROHECKER,ASA ZOOK,LISA STROHECKER,ASA M.ZOOK, Cumberland County C.C.P.No. 13-3075 MJU#: 13030285 CASE#: 13030285-1 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 MN/ Enclosures MJU#: 13030285 CASE#: 13030285-1 Department of Defense Manpower Data Center Results as of:Jul-10-2013 07:22:34 SCRA 3.0 stator Report Pursuant to Servicememben Civil Relief Act Last Name: STROHECKER First Name: LISA Middle Name: Active Duty Status As Of: Jul-10-2013 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA a.- NA Ind 6aW a t t s This response reffec"a- i'vid , Wbl�4.6tut;4rd��i�O.A�'t�ZDuty§.0 Data Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA !flies 'NA —N. Stj It NA This response reffects 1where'flid individual left atiZ.ju!;-s!atys withl'n 367 rd.ys pneoec[ir.'gi the Active.i1ty Status Date The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date Order Nofficallon Start Date Did.,Notification End Date Status Service Component NA NINA NA This response reflects whether the individual N, is/her­unit has received early notifibation to report for.,-five duty — Upon searching the data banks of the Department of Defense Manpower-Data Center,bbsed 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, 414k 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.defensefink.mil/faq/pis/PC09SLDR.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 USG§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 !D: E3F64CBBP030L20 Department of Defense Manpower Data Center Results as of:Jul-10-2013 07:24:31 SCRA 3.0 status Report i t Pursuant to Servicemembers Cif Relief Act. Last Name: ZOOK First Name: ASA Middle Name: Active Duty Status As Of: Jul-10-2013 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date NA ` l Status Service Component ~� NA This response reflects the Indiviifuals'active duty status based on Ike A6tivet0ury Status Date Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date NA NA Status Service Component I t�' �'X11 / N? , :i.�t,� NA This response re flects where the I Individual left actne.duty status 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 NA NNA Status Service Component - - 1 NO i� NA This response reflects whether the individual or his/her unit has er ceived a Ira y ootifieatio o 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. )1~4-1 AaAk 1 14' Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 iEXHIBIT 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:http://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(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 1D: V37FPC9B7030J70 Department of Defense Manpower Data Center Results as of:Jul-10-2013 07:25:19 • SCRA 3.0 Status Report Pursivant to Sery cememben Civil.Relief Act Last Name: ZOOK First Name: ASA Middle Name: M Active Duty Status As Of: Jul-10-2013 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA tit �y..�,,, �.�,:�'J,.Yf- N� NA This response re/fle/cts the individa is'active duly status basedJon the Aiti\ve Duty Status Data Left Active Duty Within 387 Days of Active fluty Status Date Active Duty Start Date Active Duty End Date 1 �y Status i 1 Service Component NA B NA ��,.`- i �� 7'i"..�.�»;�-N� i I,.."l I'�. 1 NA This response reflects where the indivlduaf left actve duty sWus within 307 days preceding the Ac_tiie Duty Status Date The Member or His/Her Unit Was Notified of a Future Cal!-Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notificat!on End Date y+Status Service Component NA 1NA'lr N t�„kc.,,;,�,. - y-yy,✓ ,%No 4;�./ NA This response reflects whether the_individual or his/her unit has received early notification 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. 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. 4 q. 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(Dab)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:l/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: 63M3GC4B3031 U80 l SAIDIS, SULLIVAN&ROGERS,P.C. Todd F.Truntz, Esquire Identification No.83302 !° 635 N. 12th Street, Suite 400 Lemoyne,PA 17043 ,?PJ 13 ¢ T% (717)612-5800 ' , _2 ttruntz@ssr-attorneys.com for Defendantsfr�C X11 ` t Pj C ANJU J y Jil ,�rY BANK OF AMERICA, N.A. IN THE COURT OF COMMON PLEAS OF c/o BANK OF AMERICA, N.A. CUMBERLAND COUNTY PENNSYLVANIA as successor by merger to BAC Home Loans Servicing, LP : 16001 North Dallas Parkway Addison, TX 75006, Plaintiff VS. NO. 13-3075 CIVIL TERM LISA STROHECKER 43 W Locust St. Mechanicsburg, PA 17055 ASA M. ZOOK 43 W Locust St. Mechanicsburg, PA 17055, Defendants CIVIL ACTION—MORTGAGE FORECLOSURE REQUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order dated February 28, 2012 governing the Cumberland County Residential Mortgage Foreclosure Diversion Program, the undersigned hereby certifies as follows 1. Defendants Lisa Strohecker and Asa M. Zook (hereafter collectively the "Defendants") are father and daughter, and are the owners of the real property which is the subject of this mortgage foreclosure action. 2. Defendants live in the subject real property which is Defendants' primary residence. 1 v 3. Defendants have been served with a Notice of Residential Mortgage Foreclosure Diversion Program and have taken all of the steps required in that Notice to be eligible to participate in a court supervised conciliation conference. The undersigned each verifies that the statements made herein are true and correct and each understands that false statements are made subject to the penalties of 18 Pa C.S. 4904 relating to unsworn falsification to authorities. SAIDIS, SULLIVAN & ROGERS, P.C. 635 North 12th Street, Suite 400 Lemoyne, PA 17043 (717) 612-5800 Attorneys for the Defendants Todd F. Truntz, Esquire Date 201 3 LISA STROHECKER, Defendant Date ASA M. ZOOK, Def d nt Date 2 CERTIFICATE OF SERVICE I, Todd F. Truntz, Esquire, hereby certify that I have served the foregoing REQUEST FOR CONCILIATION CONFERENCE this date by depositing a true and correct copy of the same in the United States mail, first-class postage prepaid, addressed as follows: J. Eric Kishbaugh, Esquire Udren Law Offices, P.C. 111 Woodcrest Road, Suite 200 Cherry Hill, NJ 08003-3620 Attorney for Plaintiff Melissa A. Calvanelli District Court Administrator Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 SAIDIS, SULLIVAN & ROGERS, P.C. Dated: ?.tot'3 BY: Todd F. Truntz 3 BANK OF AMERICA,N.A. IN THE COURT OF COMMON PLEAS OF c/o BANK OF AMERICA,N.A. CUMBERLAND COUNTY, PENNSYLVANIA r> as successor by merger to BAC Home Loans Servicing, LP, Plaintiff C 5 VS. CIVIL ACTION a CL5 NO. 13-3075 CIVIL LISA STROHECKER and ' 7; ASA M. ZOOK, Defendants CASE MANAGEMENT ORDER AND NOW,this g'�6 day of August, 2013, the parties having agreed to 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" ;6 'A0/ , at d 1�m. in Chambers No. 4 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 defendantiborrower. Upon agreement of the parties in writing or at the discretion of the Court,the Conciliation Conference ordered may be rescheduled to a later date and/or the date upon which service of the completed Form 2 is to be made may be extended. Upon notice to the Court of the defendant/borrower's failure to serve the completed Form 2 within the time frame set forth herein or such other date as agreed upon by the parties in writing s or ordered by the Court, the case shall be removed from the Conciliation Conference schedule and the temporary stay of proceedings shall be terminated. 3. The defendant/borrower and counsel for the parties must attend the Conciliation Conference in person and an authorized representative of the plaintiff/lender must either attend the Conciliation Conference in person or be available by telephone during the course of the Conciliation Conference. The representative of the plaintiff/lender who participates in the Conciliation Conference must possess the actual authority to reach a mutually acceptable resolution, and counsel for the plaintiff/lender must discuss resolution proposals with the authorized representative in advance of the Conciliation Conference. If the duly authorized representative of the plaintiff/lender is not available by telephone during the Conciliation Conference, the Court will schedule another Conciliation Conference and require the personal attendance of the authorized representative of the plaintiff/lender at the rescheduled Conciliation Conference. 4. At the Conciliation Conference,the parties and their counsel shall be prepared to discuss and explore all available resolution options which shall include: bringing the mortgage current through a reinstatement;paying off the mortgage; proposing a forbearance agreement or repayment plan to bring the account current over time; agreeing to tender a monetary payment and to vacate in the near future in exchange for not contesting the matter; offering the lender a deed in lieu of foreclosure; entering into a loan modification or a reverse mortgage;paying the mortgage default over sixty months; and the institution of bankruptcy proceedings. 5. All proceedings in this matter are stayed pending the completion of the scheduled conciliation conference. BY THE COURT, Kevin . Hess, P.J. John E. Kishbaugh, Esquire Udren Law Offices 111 Woodcrest Road, Suite 200 Cherry Hill,NJ 08003-3620 For the Plaintiff X odd F. Truntz,Esquire 635 N. 12'h Street, Suite 400 Lemoyne,PA 17043 For the Defendants :rim Co I-ex Y744-1. znq BANK OF AMERICA,N.A. IN THE COURT OF COMMON PLEAS OF c/o BANK OF AMERICA,N.A. CUMBERLAND COUNTY, PENNSYLVANIA as successor by merger to BAC Home Loans Servicing, LP, Plaintiff vs. CIVIL ACTION NO. 13-3075 CIVIL LISA STROHECKER and ASA M. ZOOK, Defendants ORDER AND NOW, this Z 'P day of September, 2013, at the request of counsel for the parties, the conciliation conference set for September 26, 2013, is continued to Monday, December 16, 2013, at 2:30 p.m. in Chambers of the undersigned. BY THE COURT, Kevin A ess, P. J. ✓Nicole LaBletta, Esquire Udren Law Offices 111 Woodcrest Road, Suite 200 Cherry Hill,NJ 08003-3620 For the Plaintiff Todd F. Truntz, Esquire 635 N. 12t`Street, Suite 400 Lemoyne, PA 17043 For the Defendants -v MM :rlm r �. Tt r� UDREN LAW OFFICES,P.C. ATTORNEY FOR PLAINTIFF WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL,NJ 08003-3620 856-669-5400 pieadin s*udren.com _ _ _ Bank of America,N.A. COURT OF COMMON PLEAS Plaintiff CIVIL DIVISION V. Cumberland County LISA STROHECKER;ASA M.ZOOK; et al j MORTGAGE FORECLOSURE Defendant(s) NO. 13-3075 PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly mark the above DISCONTINUED WITHOUT PREJUDICE,upon payment of your costs only. DATED: "1 UDREN LAW OFFICES, P.C. BY: C>4 L�K 1^4 Attorney f r Plaintiff MJU#: 13030285 CASE#: 13030285-1 Nicole LaBlem, Esquire PA ID 202194 _ C=) cn.0 � C)t