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Home My WebLink About13-3557 Supreme Court of Pennsylvania COUri, COnl4fi,Pleas For Prothonotar UseOnl Civi11CoveF, Sl eet y y CUMBERGA County Docket No: The information collected on this form is used solely for court administration puthoses. This form does not supplement or replace the filing and service ofpleadings or other papers as required b , law or rules of court. Commencement of Action: S x❑ Complaint ❑ Writ of Summons ❑ Petition E ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking C Lead Plaintiff's Name: JPMORGAN CHASE BANK, Lead Defendant's Name: MARK R. HALTER AKA MARK NATIONAL ASSOCIATION, SUCCESSOR BY RICHARD HALTER , MERGER TO CHASE HOME FINANCE, LLC I Are money damages requested? ❑Yes Z No Dollar Amount Requested: El within arbitration limits Q (Check one) 0 outside arbitration limits N Is this a Class Action Suit? ❑ Yes Z No Is this an MDJ Appeal? ❑ Yes Z No A Name of Plaintiff /Appellant's Attorney: Allison F. Zuckerman, Esq., Id. No. 309519, Phelan Halligan & Schmieg, LLP ❑ Check here if you have no attorney (are a Self. - Represented [Pro Se] Litigant) Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies • Malicious Prosecution ❑ Debt Collection: Credit Card ❑ Board of Assessment • Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections • Nuisance ❑ Dept. of Transportation ❑ Premises Liability ❑ Statutory Appeal: Other ❑ Product Liability (does not S include mass tort) ❑ Employment Dispute: ❑ Slander/Libel/ Defamation Discrimination E ❑ Other: ❑ Employment Dispute: Other ❑ Zoning Board C ❑ Other: T I MASS TORT • ❑ Other: O ❑ Asbestos N ❑ Tobacco ❑ Toxic Tort - DES • Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS • Toxic Waste ❑ Ejectment ❑ Common Law /Statutory Arbitration B ❑ Other: ❑ Eminent Domain /Condemnation ❑ Declaratory Judgment ❑ Ground Rent ❑ Mandamus ❑ Landlord /Tenant Dispute ❑ Non - Domestic Relations ® Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABLITY ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto • Dental ❑ Partition ❑ Replevin • Legal ❑ Quiet Title ❑ Other: • Medical ❑ Other: ❑ Other Professional: Pa.R. C.P. 205.5 Updated 01/01/2011 �P G RO HIO;yQT� "'> 111 , 1 1 ' 3 'UN 19 AM 10: 12 CUMBERLAND COUNTY PENNSYLVANIA Phelan Hallinan & Schmieg, LLP Allison F. Zuckerman, Esq., Id. No. 309519 1617 JFK Boulevard, Suite 1400 One ATTORNEY FOR PLAINTIFF Penn Center Plaza` Philadelphia, PA 19103 215 -563 -7000 262841 JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO COURT OF COMMON PLEAS CHASE HOME FINANCE, LLC 1111 POLARIS PARKWAY CIVIL DIVISION COLUMBUS, OH 43240 TERM NO. V. Plaintiff _ 2 5 S 1� � J MARK R. HALTER CUMBERLAND COUNTY AKA MARK RICHARD HALTER 1320 CONCORD ROAD MECHANICSBURG, PA 17050 -1958 Defendant CIVIL ACTION - LAW COMPLAINT IN MORTGAGE FORECLOSURE File #: 262841 �� ✓. �� Fla P /g9V9 NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you, and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. 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. CUMBERLAND COUNTY ATTORNEY REFERRAL CUMBERLAND COUNTY BAR ASSOCIATION CUMBERLAND COUNTY COURTHOUSE 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249 -3166 (800) 990 -9108 File #: 262841 1. Plaintiff is" JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO CHASE HOME FINANCE, LLC 1111 POLARIS PARKWAY COLUMBUS, OH 43240 2. The name(s) and last known address(es) of the Defendant(s) are: MARK R. HALTER AKA MARK RICHARD HALTER 1320 CONCORD ROAD MECHANICSBURG, PA 17050 -1958 who is /are the mortgagor(s) and/or real owner(s) of the property hereinafter described. 3. On 07/26/2007 MARK R. HALTER made, executed and delivered a mortgage upon the premises hereinafter described to JPMORGAN CHASE BANK, N.A. which mortgage is recorded in the Office of the Recorder of CUMBERLAND County, in Mortgage Instrument No. 200806639. By Assignment of Mortgage recorded 03/04/2011 the mortgage was assigned to CHASE HOME FINANCE, LLC which Assignment is recorded in Assignment of Mortgage Instrument No. 201107231. The mortgage and assignment(s), if any, are matters of public record and are incorporated herein by reference in accordance with Pa.R.C.P. 1019(g); which Rule relieves the Plaintiff from its obligations to attach documents to pleadings if those documents are of public record. 4. The premises subject to said mortgage is described as attached. 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 06/01/2010 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon failure of Mortgagor to make such payments after a date specified by written notice sent to Mortgagor, the entire principal balance and all interest due thereon are collectible forthwith. File #: 262841 6. The following amounts are due on the mortgage as of 05/08/2013: Principal Balance $117,316.35 Interest $24,196.32 05/01/2010 through 04/30/2013 Late Charges $238.44 Property Inspections $252.00 Property Preservation $56.00 Escrow Advance $5,800.57 TOTAL $147,859.68 7. Plaintiff is not seeking a judgment of personal liability (or an in personam judgment) against the Defendant(s) in the Action; however, Plaintiff reserves its right to bring a separate Action to establish that right, if such right exists. If Defendant(s) has/have received a discharge of personal liability in a bankruptcy proceeding, this Action of Mortgage Foreclosure is in no way an attempt to reestablish such personal liability discharged in bankruptcy, but only to foreclose the mortgage and sell the mortgaged premises pursuant to Pennsylvania Law. 8. Notice of Intention to Foreclose as set forth in Act 6 of 1974, Notice of Homeowner's Emergency Assistance Program pursuant to Act 91 of 1983, as amended in 1998, and /or Notice of Default as required by the mortgage document, as applicable, have been sent to the Defendants on the date(s) set forth thereon, and the temporary stay as provided by said notice has terminated because Defendants has/have failed to meet with the Plaintiff or an authorized consumer credit counseling agency, or has/have been denied assistance by the Pennsylvania Housing Finance Agency. File #: 262841 WHEREFORE, Plaintiff demands an in rem judgment against the Defendant(s) in the sum of $147,859.68, together with interest, costs, fees, and charges collectible under the mortgage including but not limited to attorney fees and costs, and for the foreclosure and sale of the mortgaged property. PHELAN HALLINAN & SCHMIEG, LLP By: lliso Zu an, Esq. d. No. 309519 ey for P aintiff File #: 262841 LEGAL DESCRIPTION All that certain property situated in the Township of Hampden, in the County of Cumberland, Commonwealth of Pennsylvania , and being described as follows- 10-16-1064-054. Being more fully described in a deed dated 14arch 21, 2001- and recorded April 3, 2001, among the land records of the County and State s-et forth above, in Deed Volume 242 and Page 41. Permanent Parcel Number: 10-16-1064-054 MARK. R. HALTER AND MICHELE A. HALTER, HUSBAND AND WIFE 1320 CO.NCORD RD, MECHANICSBURG PA 17050 Loan. Reference lquiTaber 4667997/8203 •555 First. American Order No. 1 3027974 I deritifter: FIRST kMERICP-N LENDERS ADVANTAGE PROPERTY ADDRESS: 1320 CONCORD ROAD, MECHANICSBURG, PA 17050-1958 PARCEL # 10-16-1064-054 File #: 262841 VERIFICATION !)AtA5 , hereby states that he /the)s I csL.. ,A of JPMORGAN CHASE BANK NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO CHASE HOME FINANCE, LLC, Plaintiff in this matter, that e/she i authorized to make this Verification, and verify that the statements of fact made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his/her information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. Ffk p •C'x� ' � DATE: 3 . Title: U I Cx- kAJ JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO CHASE HOME FINANCE, LLC File #: 262841 Name: HALTER File #: 262841 IN THE COURT OF COMMON JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, PLEAS SUCCESSOR BY MERGER TO CHASE HOME FINANCE, OF CUMBERLAND COUNTY, LLC PENNSTLVANIA Plaintiff(s) G vs. -.0 MARK R. HALTER � rn AKA MARK RICHARD HALTER �DG Defendant(s) � r - NOTICE OF RESIDENTIAL MORTGAGE r 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 an attorney, you must take the following steps to be eligible for a conciliation conference. First, within twenty (20) days of your receipt of this notice, you must contact MidPenn Legal Services at (717) 243 -9400 extension 2510 or (800) 822 -5288 extension 2510 and request appointment of a legal representative at not charge to you. Once you have been appointed a legal representative, you must promptly meet with the legal representative within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative with all the 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 attempt to work out a 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 the requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto, your lawyer will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work our reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward, IF YOU WISH TO SAVE YOUR HOME, YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE. THIS PROGRAM IS FREE. Respectfully submitted: T -1), K-" Date Alison F. ckerman, Esq., Id. No. 309519 Signatu of Counsel for Plaintiff Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland County Court of Common Please 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: CUSTOM Borrower name(s): Property Address: City: State: Zip: Is the property for sale? Yes ❑ No ❑ Listing date: Price: $ Realtor Name: Realtor Phone: Borrower Occupied? Yes ❑ No ❑ Mailing Address (if different): City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household: How long? CO-BORROWER Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household: How long? FINANCIAL INFORMATION First Mortgage Lender: Type of Loan: Loan Number: Date you Closed Your Loan: Second Mortgage Lender: Type of Loan: Loan Number: Total Mortgage Payments Amount: $ Included Taxes & Insurance: Date of Last Payment: Primary Reason for Default: Is the loan in Bankruptcy? Yes ❑ No ❑ If yes, provide names, location of court, case number & attorney: Assets Amount Owed Value: Home: $ $ Other Real Estate: $ $ Retirement Funds: $ $ Investments: $ $ Checking: $ $ Savings: $ $ Other: $ $ Automobile #1: Model: Year: Amount owed: Value: Automobile #2 : Model: Year: Amount owed: Value: Other transportation (automobiles, boats, motorcycles ): Model: Year: Amount owed: Value Monthly Income Name of Employers: 1. 2. 3. Additional Income Description (not wages): 1. monthly amount: 2. monthly amount: Borrower Pay Days: Co- Borrower Pay Days: Monthly Expenses: (Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Mortgage Food 2" Mortgage Utilities Car Payment(s) Condo/Neigh. Fees Auto Insurance Med. (not covered) Auto fuel/repairs Other prop. payment Install. Loan Payment Cable TV Child Su port/Alim. Spending Money Day /Child Care/Tuit. Other Expenses 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 you know, regarding your lender or lender's loan servicing company: Lender's Contact (Name): Phone: Servicing Company (Name): Contact: Phone: AUTHORIZATION I /W , authorize the above named to use /refer this information to my lender /servicer for the sole purpose of evaluating my financial situation for possible mortgage options. I /We understand that I/we am/are under no obligation to use the services provided by the above named Borrower Signature Date Co- Borrower Signature Date Please forward this page along with the following information to lender: 1. Proof of income 2. Past 2 bank statements 3. Proof of any expected income for the last 45 days 4. Copy of a current utility bill 5. Letter explaining reason for delinquency and any supporting documentation (hardship letter) 6. Listing agreement (if property is currently on the market) SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny RAnderson IL D`OFFfGE Sheriff OF THE PROTHONOTARY Jody S Smith ��,rf4 rrri�iP7 Chief Deputy 2013 JUN 26 P 24 1' , CUMBERLAND COUNTY Richard W Stewart � �;��-. t (;� ,. Solicitor tFMIF 4`FTHE$$HEF INi P ENN$YL T ANIA JPMorgan Chase Bank, N.A. vs. Case Number Mark R Halter 2013-3557 SHERIFF'S RETURN OF SERVICE 06120/2013 01:13 PM-Deputy Jamie DiMartle, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant,to wit: Mark R Halter at 1320 Concord Road, Hampden Township, Mechanicsburg, PA 17050, lo In rDIMEARTLE, DEPUTY SHERIFF COST: $3930 SO ANSWERS, 2: - June 21, 2013 RON W R ANDERSON, SHERIFF (c)CountySuite Sheriff,Teleosof,Inc. F� STATE OF PENNSYLVANIA COURT OF COMMON PLEAS COUNTY OF CUMBERLAND c: '{ JP MORGAN CHASE BANK NA CASE NO. 13-3557 s CD L'J Plaintiff, f VS. ANSWER OF DEFENDANT MARK HALTER MARK HALTER, et al. F Defendant(s) li Now comes Defendant, Mark Halter, and for his Answer to Plaintiffs Complaint, state as follows: 1. Defendant denies each and every allegation of the Complaint not hereinafter specifically admitted and demands strict proof thereof. 2. Defendant lacks sufficient information with which to respond to the allegations contained in paragraphs 1,8 iof the Plaintiff's Complaint, and therefore A denies same and demands strict proof thereof i 3. Paragraphs 7 of the Complaint do not require a responsive pleading, but t to the extent that any response is requires, Defendant would refer to the answers 9 contained in each responsive averment. 4. Defendant answers the allegations of paragraphs 3,4 of the Plaintiff's Complaint by craving reference to the documents set forth therein for the terms thereof and demands strict proof thereof. 5. Defendant admits to the allegations in paragraphs 2 6. Defendant denies the allegations of paragraph 5,6 AFFIRMATIVE DEFENSES 1. Plaintiff has failed to state any claims upon which relief may be granted 2. Defendant reserves the right to add such further defenses as the facts learned through discovery may warrant. 3. The Complaint is barred by Plaintiff's failure to mitigate damages, if any. 4. Plaintiff's Complaint is barred by a failure and/or want of consideration or otherwise is unenforceable, unconscionable or invalid pursuant to applicable law. 5. Plaintiff, under relevant circumstances, has no standing and/or is not the real party in interest, as set forth. 6. The doctrine of waiver and estoppel bar the Plaintiff's claim. a WHEREFORE having fully answered the Plaintiffs Complaint, the defendant prays that this Honorable Court do issue its Order dismissing the Plaintiff's Complaint with prejudice, issue its Order granting the Defendant actual damages in an appropriate amount to be determined by the trier of fact, _issue its Order granting the Defendant reimbursement of the cost and expenses incurred in defense of this action, together with reasonable attorney's incurred herein and for such other and further relief as this Honorable Court shall deem just and proper. Respectfully submitted, Mark Halter CERTIFICATE OF SERVICE The undersigned hereby certifies that a true. and accurate copy of this Answer has been set by ordinary U.S. mail, postage prepaid, this loth day of July , 2013, to all parties. Mark Halter • a....+9 J Al ';`!; .2ERLAND COUNTY PENNSYLVANIA PHELAN HALLINAN, LLP BY: D. TROY SELLARS, ESQUIRE ATTORNEY FOR PLAINTIFF Identification No: 210302 126 Locust Street Harrisburg, PA 17101 Telephone: (215) 563-7000, Ext. E-mail: troy.sellars @phelanhallinan.com JPMORGAN CHASE BANK, NATIONAL : COURT OF COMMON PLEAS ASSOCIATION, SUCCESSOR BY MERGER : CUMBERLAND COUNTY CHASE HOME FINANCE, LLC 1111 POLARIS PARKWAY COLUMBUS, OH 43420, • Plaintiff, : Civil Division vs. • : NO. 13-3557 MARK R. HALTER A/K/A MARK RICHARD HALTER 1320 CONCORD ROAD MECHANICSBURG, PA 17050-9158, Defendant PLAINTIFF'S REPLY TO DEFENDANT'S NEW MATTER AND NOW COMES the Plaintiff, JPMorgan Chase Bank, National Association, Successor by Merger Chase Home Finance, LLC, by and through its attorney, D. Troy Sellars, Esquire, and hereby files the within Reply to New Matter of Defendant, Mark R. Halter, A/K/A Mark Richard Halter, and states as follows: Plaintiff incorporates herein by reference the averments of paragraphs one (1)through eight (8) of its Complaint as if set forth herein at length. PH#756674 AFFIRMATIVE DEFENSES 1. Denied, and strict proof thereof is demanded at trial. By way of further answer, this boiler plate objection, which is unsupported by facts or evidence, does not give rise to a well pled affirmative defense. 2. No response is necessary to this paragraph. 3. Denied, and strict proof thereof is demanded at trial. By way of further answer, this boiler plate objection, which is unsupported by facts or evidence, does not give rise to a well pled affirmative defense. 4. Denied, and strict proof thereof is demanded at trial. By way of further answer, this boiler plate objection, which is unsupported by facts or evidence, does not give rise to a well pled affirmative defense. 5. Denied, and strict proof thereof is demanded at trial. By way of further answer, this boiler plate objection, which is unsupported by facts or evidence, does not give rise to a well pled affirmative defense. 6. Denied, and strict proof thereof is demanded at trial. By way of further answer, this boiler plate objection, which is unsupported by facts or evidence, does not give rise to a well pled affirmative defense. PH#756674 WHEREFORE, Plaintiff respectfully requests that the Court enter judgment in its favor and against Defendant as requested in Plaintiffs Complaint. Respectfully submitted, PHELAN HALLINAN, LLP Date: July 25, 2013 By: D. Troy gellars, Esquire Attorney for Plaintiff PH#756674 VERIFICATION D. Troy Sellars, Esquire, hereby states that he is the attorney for the Plaintiff in this action, that he is authorized to make this verification, and that the statements made in the foregoing Reply to New Matter are true and correct to the best of his knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa.C.S. §4904 relating to unsworn falsifications to authorities. PHELAN HALLINAN, LLP DATE: July 25, 2013 By: )e, ;s- D. Troy cellars, Esquire Attorney for Plaintiff 126 Locust Street Harrisburg, PA 17101 Telephone: 215-563-7000, Ext. 1360 PH#756674 • PHELAN HALLINAN, LLP BY: D. TROY SELLARS, ESQUIRE ATTORNEY FOR PLAINTIFF Identification No: 210302 126 Locust Street Harrisburg, PA 17101 Telephone: (215) 563-7000, Ext. E-mail: troy.sellars @phelanhallinan.com JPMORGAN CHASE BANK, NATIONAL COURT OF COMMON PLEAS ASSOCIATION, SUCCESSOR BY MERGER CUMBERLAND COUNTY CHASE HOME FINANCE, LLC 1111 POLARIS PARKWAY COLUMBUS, OH 43420, Plaintiff, Civil Division vs. . NO. 13-3557 MARK R. HALTER A/K/A MARK RICHARD HALTER 1320 CONCORD ROAD MECHANICSBURG, PA 17050-9158, Defendant • CERTIFICATE OF SERVICE I certify that a true and correct copy of Plaintiff's Reply to Defendant's New Matter was sent via first class mail to the person(s) listed below on the date indicated: MARK R. HALTER, PRO SE 1320 CONCORD ROAD MECHANICSBURG, PA 17050-1958 DATE: July 25, 2013 - D. Troy utlars, Esquire Attorney for Plaintiff PH#756674 t,u> OCT I5 2: GI+ OtThrtJ!R,L AN[) COUNTY PENNSYLVANIA PHELAN HALLINAN, LLP Joseph P. Schalk, Esq., Id. No. 91656 Attorney for Plaintiff 126 Locust Street Harrisburg, PA 17101 215-563-7000 JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO Court of Common Pleas CHASE HOME FINANCE, LLC 1111 POLARIS PARKWAY Civil Division COLUMBUS, OH 43240 No. 2013-3557-CIVIL TERM Plaintiff v. Cumberland County MARK R. HALTER AKA MARK RICHARD HALTER 1320 CONCORD ROAD MECHANICSBURG, PA 17050-1958 Defendant MOTION TO LIFT CONCILIATION STAY Plaintiff, JPMorgan Chase Bank, National Association, Successor by Merger to Chase Home Finance, LLC (hereinafter "Plaintiff"), by its attorney, Joseph P. Schalk, Esquire, hereby files the within Motion to Lift Conciliation Stay and in support thereof avers as follows: 1. On June 19, 2013, Plaintiff filed a Complaint in Mortgage Foreclosure against Defendant for his failure to make monthly payments of principal and interest upon their mortgage due June 1, 2010, and each month thereafter. A true and correct copy of the Complaint is attached hereto, made part hereof and marked as Exhibit"A". 2. On June 21, 2013, Plaintiff completed service of the Complaint in Mortgage Foreclosure along with service of the Cumberland County Residential Mortgage Foreclosure 756674 Diversion Program Notice for the Defendant. A true and correct copy of the Sheriff's Return of Service is attached hereto, made part hereof and marked as Exhibit "B". 3. Pursuant to the Cumberland County Administrative Order February 28, 2012, which created the Cumberland County Residential Mortgage Foreclosure Diversion Program, the Foreclosure action is stayed for sixty (60) days from the date of service. 4. Within 60 days after service of the complaint, the Defendant may opt into the program by filing a Request for Conciliation Conference with the Court. Upon the filing of the request, the Court will schedule a Conciliation Conference. The program provides that Defendant must contact MidPenn Legal Services within the first twenty (20) days of receipt of notice if not represented by counsel. 5. If more than sixty (60) days has elapsed since the service of Notice of Residential Mortgage Foreclosure Diversion Program and the Defendant has not opted to participate in the Diversion Program Plaintiff may petition the Court to lift the stay and remove the case from the Diversion Program. 6. Defendant failed to opt into the Cumberland County Residential Mortgage Foreclosure Diversion Program within sixty (60) days of service. 7. Since Defendant has opted not to participate in the Diversion Program, it is appropriate for the stay to be lifted. WHEREFORE, Plaintiff respectfully requests that this matter be removed from the Cumberland County Residential Mortgage Foreclosure Diversion Program and the automatic stay be lifted. Respectfully submitted, PHELAN HALLINAN, LLP In Date: �(� 13 BY: C ' kn. Jose. 111.chalk, Esquire Attor ey for Plaintiff 756674 Exhibit "A" C THE PRO�0NO ARC, 2913 JUN 19 Am f0: 12 CUMBERLAND COUNTY PENNSYLVANIA Phelan Hallinan&Schmieg,LLP Allison F.Zuckerman,Esq.,Id,No.309519 1617 JFK Boulevard,Suite 1400 ATTORNEY FOR PLAINTIFF One Penn Center Plaza Philadelphia,PA 19103 215-563-7000 262841 JPMORGAN CHASE BANK,NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO COURT OF COMMON PLEAS CHASE HOME FINANCE,LLC 1111 POLARIS PARKWAY CIVIL DIVISION COLUMBUS,OH 43240 TERM C Plaintiff v. NO. J S MARK R. HALTER CUMBERLAND COUNTY AKA MARK RICHARD HALTER 1320 CONCORD ROAD MECHANICSBURG,PA 17050-1958 Defendant CIVIL ACTION-LAW COMPLAINT IN MORTGAGE FORECLOSURE File ay: 262841 61 3. l *.7 R#- a99oss- _~ SuOreme Court Pennsylvania ' ' � ' �o —' /o,Pnolhvnomry Use Only/ Sheet ' - C County Docket No . „ „ _ The/njartnation colkcled oa this form is used solely for court adminislratio/purp/ses. This lam doesxn/ � �� 6 �wor�6s al court _ _---__ _ --_ _- __--� Comrnci,eenient of Action; S EComplaint [TI Writ of Sunimoits El Petition |� O�s�a Transfer from Another Jurisdiction OD^ |Declaration [Tok o� � _ c Lead Plaintiffs Name: JPMORGAN CHASE BANK, Lead Defendant's N mnc� MARK R. 8ALlEkA KAMARK NATIONAL ASSOCIATION,SUCCESSOR BY 0CKARD8ALTEK T - MERGER TO ,lJ,C _______ 1 Dollar Amount Requested: 0 within arbitration limits Are money damages requested? LJYes F2 No 0 ____ _ 83 ouuodmurbinnhvn|i/niu N Is this a Class Action Suit? 0 Yes 03 No [^this uo8IDJ Appeal? [] Yes 0D No A Name of Plaintiff/Appellant's Attorney: Allison JLZuckeonal].;,sy.. Id. No, ](9JL9 Phelan 1|u||inau/LSc!mdq,.U^p LJ Check here if you have no attorney (are a Self-Represented (Pro Sc) NGgxnd - _ _] _ --~ - Nature of the Case: Place an "X"to the left of the ONE case category that most accurately describes your PRIMARY CASE.If you are making more than one type of claim, check the one that you consider most important. TORT(do nut include Mars To* CONTRACT CIVIL | ' Obmntional Li Buyer Plaintiff Administrative Agencies o Malicious Prosecution 0 Debt Collection:Credit Card Li Board of Assessment [171 Motor Vehicle O Debt Collection: Other J Board of Elections El Nuisance _ „.„ .. 0 Dept.of Transportation 0 Premises Liability 0 Statutor Appeal:Other El Product Liability(does 'eot | ___ include mass tort) U Employment D� � pu : S OS|auder/i.ibeVDefamation Discrimination E OOther: 0 Employment Dispute: Other Li Zoning Board C _ _____ __ . LI Other: ][ - -- -- � ---- ---^--' � --- -- -�- - --- 0 0,6or: --------- MASS TORT • 0 Asbestos ------ ------� N 0 lo6uncn ------- ---- — - Olox<oTon-DQS ~_- __- -�~~ O Toxic Tort-Implant / REAL PROPERTY MISCELLANEOUS Li Toxic Waste � 0 Ejectment 0 Common Law/Statutory Arbitration } B 0 Other: 0 Eminent Domain/Condemnation O Declaratory Judgment Li Ground Rent 0 Mandamus 0 Landlord/fm Dispute un�Diopu O Non-Domestic Relations _____ _________ DDy�mtgogoFor�doso,*: Residential Restraining Order -- ---- []Mortgage Fon`c}vxorm�� Commercial 0 Quo VYxnoum PR8FE8SXMNA1LXABL1TY ODoo�/ OPvnibun ! ODep|mio 0 Quiet title O0thm: ULvgu\ 0 0thmr 0 Medical --- — ---------� -- I Other Professional: - ------- ------- - ----�- ---�----- __~_ ___-_ ____-_ ____ �� Pa.R.CP. 205.5 Updated 01/01/2011 IN THE COURT OF COMMON IPMORGAN CHASE BANK, NATIONAL ASSOCIATION, PLEAS SUCCESSOR BY MERGER TO CHASE HOME FINANCE, , OF CUMBERLAND COUNTY, LLC PENNSTLVANIA Plaintiff(s) vs. MARK.R.I[ALTER AKA MARK RICHARD HALTER Defendant(s) Civil NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home, If you own and live in the residential property which is the subject of this foreclosure action,you may be able to participate in a court-supervised conciliation conference in an effort to resolve this matter with your lender. if you do not have an attorney,you must take the following steps to be eligible for a conciliation conference. First, within twenty(20)days of your receipt of this notice,you must contact MidPenn Legal Services at(717)243-9400 extension 2510 or(800)822-5288 extension 2510 and request appoinunent of a legal representative at not charge to you.Duce you have been appointed a legal representative,you must promptly meet with the legal representative within twenty(20)days of the appointment date, During that meeting,you must provide the legal representative with all the requested financial information so that it loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached her eta,the legal representative will prepare and file a Request for Conciliation Conference with the Cowl, which must be fi led with the Court within sixty(60)days of the service upon you of the foreclosure coinnlaint.if you do so and a eonciliation conference is scheduled,you will have an opportunity to meet with a representative of your lender in attempt to work out a 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 he eligible for a conciliation conference, it is not necessary for you to contact Midl'enn I„.egal Service for the appointment of a legal representative.However,you must provide your lawyer with all the requested financial information so that a loan resolution proposal can be prepared on your behalf. If you turd your lawyer complete a financial worksheet in the format attached hereto,your lawyer will prepare Turd file a Request for Conciliation Conference with tire 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 eunciliat lint eonfereneu is scheduled,you will have an opportimity to meet with a representative of your lender in im attempt to work our reasonable iirrangements with your lender before the mortgage foreclosure suit proceeds forward, IF YOU WISH TO SAVE YOUR HOME,YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE, THIS PROGRAM IS FREE, Respectfully submitted: Date Alison F. '. dermall, Esq., Id. No 309519 8144,nut 're of Counsel for Plaintiff . _ .~ ~,��`~�_-~_~_~~-~~',~�,�^°��.~`��-, --~_---�~~- Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet TJate__ _____~_______ ______ Cuinberland County Court of Common Picase Docket# ~ — BORROWER REQUEST FOR IIARI)SIIIP ASSISTANCE To complete your reques for hardshi 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: CK|8TOME0/PR0MAR"KAPPLICANT ^~' Borrower name(s): Property Address: � City: State: Zip: Is the property for sale? Yes E No Listing date: Price. $____�� Realtor Name: Realtor Phone; __ _ Borrower Yes [ No [] Mailing Address (if different): City: State:_____Zbp: _____ Phone Numbers: }/oozcL Office: {�dL Other: Email: # of people buhousehold: How long? Mailing Address: City: State: : Phone Numbers: Home: Office. Cell: Other: Email: � ~ # of people in household: Flow long? First [xzx1n,/_____________ Type of Loan: Loan Nwnber: Date you --- ----^ Second Mortgage Lender: Type of Loan: Loan Number: Total Mortgage Payments Amount: Included Taxes Insurance; Date of Last : __- --- ~_________ ~~_- Primary Reason for Default: Is the loan in B Yes No If yes, provide names,location of court, case number & attorney: Assets Owed: Value: Home: Other Real Estate: � Retirement Funds: Investments: Checking: _ Savings: � Other: Automobile#1: Model: Amount owed: \/u\uo: ______�_____ Automobile 112: Model:, _ �/euc___ ___ _ Amount owed: Value: Other transportation (automobiles,botts,motorcycles); Year; Amount owed: Vwbun_________ Monthly Income Name of Employers: l. -`___ 3, Additional Income Description(not wages): L monthly amount: ___________ 2. monthly mmouut Borrower Pay Days: CoBorrower Pay Days: Monthly Expenses: only include expenses you arc currently paying) _ _- —_ AMOUNT EXPENSE A—'-_N' Mot tgayx Food Car Payment(s) Condo/Neigh.Fees Auto Insurance Med.(not covered) Auto fuel/repairs Other,prop._payment Install. I,oan Payment Cable TV Child Support/Alim. Spending Money Day/Child Care/Tuit. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income&Expenses: Slave you been working with a flousing Counseling Agency? Yes [— No — If yes,please provide the following information: Co Agency: Cowuseloc _ �---- - -- Phone(Office): Fax: E u8� Have you made application for Homeowners Emergency Mortgage Assistance Program (FIEMAP) assistance? Yes | No —1 If yes,please indicate the status of the application: Have you had any prior with your lender or lender's loan servicing company to resolve your delinquency? Yes l NoF� lf yes,please indicate the status of those negotiations: .___ _ Please provide the following information, if you know,regarding your lender or lender's loan servicing company: Lender's Contact(Naozc)r Phone; Servicing Company (Name): Contact: 9bwun: I/We, authorize the above to use/refer this inform ._. . named information to my lender/servicer for the sole purpose of evaluating my financial situation for possible mortgage options. I/We understand that I/we am/are under no obligation to use the services provided by the above named Borrower Signature Date Co Borrower Signature Date Please forward this page along with the following information to lender: 1. Proof of income 2. Past 2 bank statements 3. Proof of any expected income for the last 45 days 4. Copy of a current utility bill 5. Letter explaining reason for delinquency and any supporting documentation (hardship letter) 6. Listing agreement(if property is currently on the market) NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20)days after this Complaint and Notice are served by entering a written appearance personally or by attorney and tiling in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you, and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. 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. CUMBERLAND COUNTY ATTORNF,Y REFERRAL CUMBERLAND COUNTY BAR ASSOCIATION CUMBERLAND COUNTY COURTHOUSE 2 LIBERTY AVENUE CARLISLE,PA 1 7013 (717)249-3166 (800)990-9108 File N: 262841 1. Plaintiff is JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO CHASE HOME FINANCE, LLC 1111 POLARIS PARKWAY COLUMBUS, OII 43240 2, The name(s) and last known address(es) of the Defendant(s) are: MARK R, HALTER AKA MARK RICHARD HALTER 1320 CONCORD ROAD MECHANICSBURG, PA 17050-1958 who is/are the mortgagor(s) and/or real owner(s)of the property hereinafter described. 3. On 07/26/2007 MARK R, HALTER made, executed and delivered a mortgage upon the premises hereinafter described to JPMORGAN CHASE BANK, N.A. which mortgage is recorded in the Office of the Recorder,of CUMBERLAND County, in Mortgage Instrument No. 200806639, By Assignment of Mortgage recorded 03/04/2011 the mortgage was assigned to CHASE HOME FINANCE, 1,I,C which Assignment is recorded in Assignment of Mortgage Instrument No. 201 107231. The mortgage and assignment(s), if any, are matters of public record and are incorporated herein by reference in accordance with Pa.R,C.P. 1019(g); which Rule relieves the Plaintiff from its obligations to attach documents to pleadings if those documents are of public record. 4, The premises subject to said mortgage is described as attached. 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 06/01/2010 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon failure of Mortgagor to make such payments after a date specified by written notice sent to Mortgagor, the entire principal balance and all interest due thereon are collectible forthwith. r, xai 6. The following amounts are due on the mortgage as of 05/08/2013: Principal Balance $117,316.35 Interest $24,196.32 05/01/2010 through 04/30/2013 Late Charges $238.44 Property Inspections $252.00 Property Preservation $56.00 Escrow Advance $5,800.57 TOTAL $147,859.68 7, Plaintiff is not seeking a judgment of personal liability (or an in personam judgment) against the Defendants) in the Action; however, Plaintiff reserves its right to bring a separate Action to establish that right, if such right exists. If Defendant(s) has/have received a discharge of personal liability in a bankruptcy proceeding, this Action of Mortgage Foreclosure is in no way an attempt to reestablish such personal liability discharged in bankruptcy, but only to foreclose the mortgage and sell the mortgaged premises pursuant to Pennsylvania Law, 8. Notice of Intention to Foreclose as set forth in Act 6 of 1974, Notice of I Iom eowner's Emergency Assistance Program pursuant to Act 91 of 1983, as amended in 1998, and/or Notice of Default as required by the mortgage document, as applicable, have been sent to the Defendants on the date(s) set forth thereon, and the temporary stay as provided by said notice has terminated because Defendants has/have failed to meet with the Plaintiff or an authorized consumer credit counseling agency, or has/have been denied assistance by the Pennsylvania Housing Finance Agency. Ic N 2621,'1 WHEREFOIE:, Plaintiff demands an in rem judgment against the Defendants) in the sum of$147,859.68, together with interest, costs,fees, and charges collectible under the mortgage including but not limited to attorney fees and costs, and for the foreclosure and sale of the mortgaged property. PHELAN IIALLINAN & SCIIMIEG, LLP By llis i . Zu.. .`man, Ns+ d.No. 309519 ,i iey for P aiittili Fife ti: 262841 LEGAL DESCRIPTION All that certain property situated in the Townnip ct Hampden, in the County of Cumberland, Commonwealth o ' erirLsylvania and being defJcribed a5 follows ; 10-16 - 1064 - 054 . Being more fully described in a deed dated MaIch 21 , 2001 arid recorded April 3 , 2001 , amolig Ole land roo..r:ds of the CounLv and State .4et fort': above, in Deed Volum 242 and Page 41 . IDel'manent Paroei Number : 10 - 16- 1064- 054 NARK R . HALTER AND MICHELE A. HALTER, HUSBAND AND 1?I7E 12C CONCORD RD, MECHKNICSBURG PA 17050 Loan Reference Number 4887997/V2034565 American Order No ; 13027974 Identi ‘'ie2: : FIRST AMERICAN LENDERS ADVANTAGE PROPERTY ADDRESS: 1320 CONCORD ROAD,MECHANICSBURG,PA .17050-1958 PARCEL # 10-16-1064-054 2($2811 VERIFICATION aeetagia., hereby states that he/�i—e'lis Ct.A.PliAns-QQ1 of JPMORGAN CHASE BANK, NATIONAL ASSOCIATION,SUCCESSOR BY MERGER TO CHASE r. HOME FINANCE,LLC, Plaintiff in this matter,that rcl i7c,i authorized to make this • Verification, and verify that the statements of fact made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his/her information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. Name:,S Vw—V.Q,�,:.� + .b'kr.+-: DATE: (f21. 113 Title: UICA. QA d.L JPMORGAN CHASE BANK,.NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO CHASE HOME FINANCE, LLC File#: 262841 Name: HALTER Filc it: 25284J Exhibit "B" i SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff �Q��sv at estio ra Jody Smith %. h Chief Deputy w ' Richard W Stewart 4 ,,ei, " Solicitor occ,n OF1NE f4e1OFF JPMorgan Chase Bank, N.A. Case Number vs. 20134557 Mark R Halter SHERIFF'S RETURN OF SERVICE 06120/2013 01:13 PM-Deputy Jamie DiMart1e,being duly sworn according to law,served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally"handing a true copy to a person representing themselves to be the Defendant,to wit;Mark R Halter at 1320 Concord Road,Hampden Township,Mechanicsburg,PA 17050. ZS), 0 � J Dl R'TLE,DEPUTY SHERIFF COST: $39.30 SO ANSWERS,x 0 r.‘2(.,,..,----, June 21,2013 RONf+ R ANDERSON,SHERIFF ict CountySuMp Snook,Talasscaft het. PHELAN HALLINAN, LLP Joseph P. Schalk, Esq., Id. No. 91656 Attorney for Plaintiff 126 Locust Street Harrisburg, PA 17101 215-563-7000 JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO Court of Common Pleas CHASE HOME FINANCE, LLC 1111 POLARIS PARKWAY Civil Division COLUMBUS, OH 43240 No. 2013-3557-CIVIL TERM Plaintiff v. Cumberland County MARK R. HALTER AKA MARK RICHARD HALTER 1320 CONCORD ROAD MECHANICSBURG,PA 17050-1958 Defendant CERTIFICATION OF SERVICE I certify that a true and correct copy of Plaintiff's Motion to Lift Conciliation Stay and proposed Order were sent via first class mail to the person listed below on the date indicated: MARK R. HALTER AKA MARK RICHARD HALTER 1320 CONCORD ROAD MECHANICSBURG, PA 17050-1958 Date: ' P r '�bVo\Q By. _ � � �_ " ��!� Jose'h i Schalk, Esquire Atto ey for Plaintiff 756674 \.k IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO Court of Common Pleas CHASE HOME FINANCE, LLC 1111 POLARIS PARKWAY Civil Division COLUMBUS, OH 43240 No. 2013-3557-CIVIL TERM Plaintiff v. Cumberland Count T=` MARK R. HALTER `;' =; ` r-- AKA MARK RICHARD HALTER Z'''� -- 1320 CONCORD ROAD MECHANICSBURG, PA 17050-1958 Defendant ORDER AND NOW,this I4* day of &AWN,/ , 2013, upon consideration of Plaintiff's Motion to Lift Conciliation Stay in the above captioned matter, it is hereby ORDERED and DECREED that this matter is removed from the Cumberland County Residential Mortgage Foreclosure Diversion Program; it is further ORDERED and DECREED that the automatic Stay is lifted and Plaintiff may proceed with its Mortgage Foreclosure Action. BY TH . LOUR :AL f J. c c : 41c R. Halter a/k/a Mark Richard Halter -, oseph P. Schalk, Esq., Id. No. 91656 Attorney for Plaintiff fri-gt&GC, 756674 el 21/7/1-3 PHELAN HALLINAN, LLP Joseph P. Schalk, Esq., Id. No. 91656 126 Locust Street Harrisburg, PA 17101 215-563-7000 MARK R. HALTER AKA MARK RICHARD HALTER 1320 CONCORD ROAD MECHANICSBURG, PA 17050-1958 756674 � J4N P ENNS Y(,ANX it;s A PHELAN HALLINAN, LLP BY: D. TROY SELLARS,ESQUIRE Identification No.210302 126 Locust Street Harrisburg,PA 17101 Attorney for Plaintiff troy.sellars @phelanhallinan.com (215) 563-7000 JPMorgan Chase Bank,National Court of Common Pleas Association, successor by merger Chase Home Finance,LLC Civil Division 1111 Polaris Parkway Columbus, OH 43240 Cumberland County Plaintiff V. No. 13-3557 Mark R.Halter a/k/a Mark Richard Halter 1320 Concord Road Mechanicsburg,PA 17050-1958 Defendant MOTION FOR SUMMARY JUDGMENT Plaintiff respectfully requests that the Court enter an Order granting summary judgment in its favor in the above-captioned matter and in support thereof avers as follows: 1. There are no material issues of fact in dispute. 2. Plaintiff is seeking only an in rem judgment in this mortgage foreclosure action. 3. On July 26, 2007 Defendant, Mark R. Halter a/k/a Mark Richard Halter, executed a Mortgage and Promissory Note promising to repay the loan on a monthly basis. A copy of the Mortgage, which is recorded in the Office of the Recorder of Cumberland County in Mortgage Instrument No. 200806639, redacted to remove account information, is attached hereto, made part PH 756674 r hereof, and marked as Exhibit A. A redacted copy of the Note is also attached hereto, made part hereof, and marked as Exhibit Al. 4. The Mortgage was assigned to Chase Home Finance LLC. Said assignment was recorded with the Recorder of Deeds for Cumberland County at Instrument No. 201107231 on March 4, 2011. A redacted copy of the Assignment is attached as Exhibit A2. 5 Plaintiff, JPMorgan Chase Bank, National Association, is successor by merger to Chase Home Finance. A copy of the merger document is attached hereto, made part hereof, and marked as Exhibit A3. 6. The Mortgage is due for the June 1, 2010 payment, a period in excess of forty-three (43) months. An Affidavit confirming the default and the amount of the debt is attached hereto, incorporated herein by reference, and marked as Exhibit B. 7. Defendant's default is also evidenced by Plaintiffs loan history, a redacted copy of which is attached hereto, made part hereof, and marked as Exhibit C. 8. The last payment applied to the Defendant's mortgage was on or around May 10, 2010. Plaintiff applied this payment to Defendant's account for the May 1, 2010 payment. (See Exhibit Q. The account remains due and owing for the June 1, 2010 payment. Furthermore, Defendant has not provided proof of any payments he might have made. 9. Plaintiff has complied with Act 6 of 1974, 41 P.S. §403(a), and Act 91 of 1983, 35 P.S. §1680.401c, by sending Defendant the combined notice provided for under Act 91. A redacted copy of the combined notice is attached hereto,made part hereof, and marked as Exhibit D. 10. The Temporary Stay as provided by the Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983, has terminated because Defendant has failed to meet with an authorized credit-counseling agency in accordance with Plaintiffs written notice to Defendant (See PH 756674 r f Exhibit D). 11. On June 19, 2013, Plaintiff filed its Complaint in Mortgage Foreclosure. A true and correct copy of the Complaint is attached hereto,made part hereof and marked as Exhibit E. 12. Defendant filed an Answer and New Matter in which he has effectively admitted all of the allegations of the Complaint, as is further addressed in Plaintiffs attached Brief. A true and correct copy of the Answer and New Matter is attached hereto, made part hereof, and marked as Exhibit F. 13. In his Answer, Defendant generally denies paragraphs five (5) and six (6) of the Complaint,which aver the default and the amounts due on the Mortgage. 14. Defendant's New Matter consisted of conclusions of law which were unsupported by facts and did not serve as a defense to the foreclosure action. Plaintiff filed its Reply to New Matter on July 26,2013. A true and correct copy of the Reply to New Matter is attached hereto,made part hereof and marked as Exhibit G. 15. Defendant was afforded the opportunity to participate in the Cumberland County Residential Mortgage Foreclosure Diversion Program, however failed to opt into the Program. The matter was removed from the Residential Mortgage Foreclosure Diversion Program on October 17, 2013. A copy of the October 17, 2013 Order is attached hereto, made part hereof and marked as Exhibit H. 16. Defendant has failed to sustain his burden of presenting facts which contradict the averments of Plaintiffs Complaint. 17. Defendant has the right to reinstate or payoff the loan up until one hour before a scheduled Sheriffs Sale. PH 756674 C t WHEREFORE,Plaintiff respectfully requests that an in rem judgment be entered in its favor for the amount due plus interest and costs as stated in the Affidavit in support of the Motion for Summary Judgment, for foreclosure and sale of the mortgaged property. Respectfully submitted, PHELAN HALL AN, LLP DATE: l /' BY: �)' D. Troy SeVars, Esquire Attorney for Plaintiff PH 756674 Exhibit "A" Prepared By: MELANIE HENDERSHOT When recorded matt 10: first Amfican 7 itic ITnSt€meet/ l.cntterc Ativantag� I ton Supev for AVCrYtic.Suiic Nu Clcvcinnd,Ohio 4411.1 A11W NKP'ITEAM E 1? Parcel Number: 10161064044 Premises: (tip.cc At.,,,.7'b!.mat For Rernriltnu halal •• -- - -•"`°^-- ORTG AG DEFtNCTIONS Words used in nscr t a his document ttrc defined below and other\words are a IuCd in Sections 3, 11, 13, 18, 20 and 21, C:crtaut rules regarding tilt:usage of words u,c:d in this document are also provided in Section 16. (A)"Security lrmtruntent"means thisdoculnent,which isdated July 26, 2007 together with all Riders to this document. (6)"Borrowser"is t1X�RK- F2 Ht1LER, UN[PFtfZIED Burrower is the rnortlagor under this Security lnstrurnent. (C)"Lender"is,7PMORGAN CHASE BANK, N.A. PENNSYLVANIA•Single FamiiI,-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT farm 3039 IMI Ck-6iPA)t'--w? Vi,4P N-4.Q.SAlutin .firer..i93C{5X€-7X91 t j t Lender is a HANK orgaiaizcd and existing tinder the taws of the U.S.A. Lender's address is 1111 POLARIS PARKWAY COLUMBUS OH 93290 bender is the mortgagee under this Security Instrument. (D)"sN'ote"means the prornissory note signed by Borrower and dated July 26, 2007 The Note states that Borrower owes Lender One Hundred Twenty—One T'hOUSand, and 0011.00 UcElars (U.S.$ 121,000-00 )plus interest.BUrtowr i,hay prtxnrted to pay this debt in regular Periodic Payincnts and to pay Ilit deht in full not later than Augtle'(t 1, 2017 (F.) "Property"meaoa tttc pniptaty tlittt is dt.Vribcd below under°the t;catidittg"Transfer of bights in the Properly," (F)"Loan"meats:the debt evidenced by the Note, plus interest,any prepayment charges and late charge:: due under the Note,and all sums due under this Security Instrument,plus interest. (G)"Riders"means all Riders to this Security Instrument that are executed by Burrower.The Iirllowiug Riders are to be executed by Borrower lutteck box as applicable}: Adjustable Rate Rider 1— Condominium Rider 0 Second Home Rider Balloon Rider Planned Unit Development Rider 0 1-4 Family Rider �] VA Rider P1 Biweekly Payment Rider []othcr(s)Ispeeifyl (Ii) "Applicable Law" mean all controlling applicable federal, state and local statutes, rtbulatiotts, ordinances and administrative riles acrd orders(tutu have the£ffiect of ittw)as well as all apphcabic final, non•appeaIable judicial opinions. (1)"Community Association Dues, Fees,and Assessments"rncans all dues, fees, assessntents and other charges that are Imposed on Borrowcr:or the Property by a condominium association, hotncowncrs U`+,,,.ociaonn sir sin-olar oft;anixalion. (I) "Rleelr mr Foodn Transfer'"Means any nxn.fcr oC farina, o0wr than a IM&Sc'tion nrigiitatr_c} by cOw"!k, di:ilt, or simih r paptr trtstrutovnt, which i�, ioitiiicti tfnarugh all clectrcmtc ternsint,l, iclaph:mic insotrrttei;t,t-,"Onpntet_or rnagociictatptd W L1 to€irdt=r, inF.tawt,zit ntdtlt"67,v a linutwial imiitutitrit to debit or credit ao,iwvrA iu_'inns term oieludrs. but is our limited u1, {mint�il',�+lc lran fc�� ,stn€:urat tciicr rn:a trio transact sans, transfers olivated by is luphonc, wire wotsfsis„ and aultnomctl clearin6 totew translc,n. (K) F.cernty item 'rn£ans them imms Ihau nm d rrihetl%o ction 3. (L) '"fit#zs etlttneuusl�t neeeds�meairs any could usation,-wnicntcnt,award ofdarnages,or proceeds paid by any third party(tshit ihAn insurance:proceeds paid uotict Scetion 5)for: (i) ilamagi In, (A dcsituctimr of, the Property« (ii) coodemnutinn or 40 r taking or At of limy pot of the Propor#y; (iii)Conveyance to lieu of et?riAicimtuirt>n;or(iv) ur camis.iun>ss to, the v.,jluv andlor condition of the Property. (;N)"Mortgage Insurance"oceans insurance protecting Lendcr against the nonpayment of, or default on, the Loam y}I -6(PA):osmt form 5038 ti41 (N)"Periodic Payment"means the regularly scheduled amount due for(i)principal and interest under the Note,plus(ii)ally amounts under Section 3 of this Security Instrument. (0)"Rr SPA"means the Real Estate Settlement Prucedures Act(12 U.S.C. Section 2601 et sec})and its impicmctlting regulation, Regulation X (24 C.F.R. Part 3500), as ttx:y might be amended faum time to time,or any additional or successor legislation or regulation that govcrns the same subject mutter.As used in this Security Instrument,"RESPA" refers to all requirements and restrictions that are imposed in regard to a"federally related mortgage loan" even if the Loam does not quality as it"federally related mortgage loan"under RESPA. (P) "Successor in Interest of Borrower"meats any party that has taker)title to the Property, whether of not that party has assumed Borrowers obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender;(i)the repayment of the Loan,and all renewals,extensions and modifications of the Note, and (ii)the perfotmr)tice of Surruwces covenants and agreements under this Security Instrument and the Note, For this purpose, Borrower does hereby mortgage,grant and convey to Lender the following described property located in the COUNTY [Typo of Recording lurisdlcti"I'l of CUMBERLAND INum of Rccordir g fur sdielinnl: See Attached Legal Description which currently has the address of su €' 1.320 CONCORD RD I :'•' MECHANICSBURG ICfay},Pennsylvania 17050 Irir,t:�>d�.l ("Property Address`): 13203 CONCORD RD, MECHANICSBURG, PA 17050 TOGETHER WITH all the improvements €tow or hereafter erected on the property, and all case€rents, appuricnamces, and fixtures now or her€:afler 11 part of the property. All teplacernents and additions shall also be covered by this Security Instrument. All of the fortigoing is referred to in this Security Instrument as the"Property." Fmc a�sx 4tt'A)€ ) Vn¢e3 a)R Form 3034 1101 r B()RRC3W ER COVENANTS total Bvrruwcr is lawfully seised of the estate herchy conveyed and h=is the right to mortgage, grant and convey tiie PruPcrty rnd that the Property is unencumbered;except for encumbrances of record. Borrower warrants and will defend generally the title Io the ProPerty against ail claims and dcmands.subject to any enctimbrunces of record, THIS SECURITY INSTRUMENT combines unilbmi covenants for national use and nun-utiifonn covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COV17NAN1'S. Borrower and Lender covenant and:tbrct C argess: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charles. Borrower shall ray when due the principal of, mid interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the'Vote_ Borrowcr'hall also IAY funds for Escrow Items, pursuant to Section 3. Payments due under the Note and this`ccunly Insttvrrtcrtl ,hull be niadc m t).5_ currency. However, if any check or other instrument received by Lender as Paymsttt"infer the Notc tit Ili; Security instrument is returned to Lender unpaid,Lender only require"hat any or all subsequent Pitytl)enis due under the Note and this Security instrument be made in one or more of the following fo rrus, I's selected by Lender: (a) cash; (b) money order; (c) certified check, batik check, treasurer's check or cashier's check, provided tiny such check is drawn upon On Institution whose deposits are insured by a federal agency,instrumentality,or entity;or(d)Electronic runds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or of such()Mier location as may be designated by Lender in accordance with the notice provisions in Section 15. to Lender may return any payment or partial raynicnI if the payment or partial payments are insufficient bring the Loan current. Lender may accePt any pa ymcnf or partial payment fsisufticient to bring die Loan current, without waiver of any rights hereunder or prejkldicc to its rights to refuse such paylncut or partial payments in the future, but Lender is not obligated to apply such payments tat file time tsuch Paymcuts ate accepted. If each Periodic Payment is applied as of its scheduled duc date, Brea Leodet creed not pi€y interest con unapplied funds. Lender may hold such unapplied funds until Buiviwcr makesiassy#ncnt to bring the Loan current. if Borrower does not do so within a reasonable period of.time,Lcndcr shall eitltt;r-apply such funds or return them to Borrower. if not applied earlier,such funds will be applied to the outstanding principal balance under the Note irru'astliuisl}P`ior to foreclosure. No offset or ch'i'li which B xrowcr might have now or in the fu"urc ,agnintt Lender sitalf relieve Burrower from making payments due under the Note and this Security instruttrt:nt or perfoinling the covenants and agreements secured by this Security Instrument, 2. Applicatlon of Payments or Proceeds. Except as otherwise described in this Section 2, till payments accepted and applied by Lender shall be applied in the following order of priority: (u)interest due under the Note; (b) principal date under the Note; (c)amounts due under Section 3. Such payments shall be applied to cacti Periodic Payment in the order in which it became due. Any remaining amou##is shall be applied first to lute charges,second to any other amounts due under this Security tnstruinc:nt,anti than to reduce the principal balance ofttic Note. If Lender receives a Payment from Borrower for a delinquent Periodic Payment which includes a sufficie#it amount to Pay any late charge due, the payment may be applied to the delinzluvol payment and tine laic charge. If more than one Periodic Pay eat is outstanding,Lender may uPPly any payment received from Borrower to the repayment of the Periodic Payments if, and to the exttc/oit that, each payment can be .G(PA)it)5oa# wage a.116 Firm 3039 1101 i paid in full. 'fu the extent that any excess exists Lifter the payment is applied to the full payment of erne ur more Periodic Payments,such exccss may he applied to any late charges due. Voluntary prepayments shall be applied first to ditty Irrwilayll,ici t cba%vea aml Own as desel ItAxt to the Note, Any Application of payments, to u€,mco ptucced:,Its Proceeds to principal due urrder the Note shall Ito,cxtentd Or Post'Ponc ills:due date°,tar cbang,;the amount,of tite Periodic Payments, i. Fund%fur strove Items, f}orrower shall pay tea Under on,Ire stay Periodic payments arc due under the Note, until the Note is paid in full,a sum(the"Funds") to provide for payment of amounts due for (a)taxes anti assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b)IcaSchold payments or ground rents on the Property, if any;(c) ptettriims for any and all inatrarrctF required by Wider tender fiction 5: and (e1) Mortgtlge, lnauraricc prettriums, if any, or any stuari, payahlc by Lfrorrowct to Under in lieu Of the paaym€art of W"Ouge Insurance 1rrconiuniS ill acecnrdancc with the provisions of Section 10, `ffic;t:items arc called"hswrtw licnu:" At origination or it,rrny time during the tern of the loran, Lendcrtnny rciloirc that Community Association DOM fwcs, and Asseteal,euls, if arty, I+c eswowed by Borrower, And Such duvs, lean Inn itimussmwnis shall he an l"sscrnw Bear. Ilurtowcr shall prtinpdy ruu,nish to Lender all nkauet of arnountt:to tie paid under Hats;tenon,Burrower;mall pay Lendcr the Funds for E500w ttcnts unless Under wriiYcs rrrrrever'a oblignition to psis ten Futtds for :dry or alt L-scrow items_ Lender may wat- I3i1rrtau=V`r"s ubligulisnt to Ivey to tender Fund,,tilt €ny or III l strew!tents at any tittle.Arty much waiver mwy only he ill writing.,ht the event or such wais� ,tlrurowwr slued pay directly,worn asild where payable:,till:atatirunt"s duc;for any Esctow Items fins Which pAynierrt of F'urid..has Faueri waived by E t addle lead,€(!..Undo requrrei shall tiitnish to Luridvf rieectpls evidencing stnwh payment within suet+litre period us I rtiftr may require. B(iirrowcr`s oblil;arion to Make,ucb paymi:nls and to I;ruvicle Mccipts shall for All purpost--s be jccmcd tea he a covenanl and agreviltent ccantamed in thi,Svi:trity htkuurttr_rrt,AN Inc.phrase"Covenant and agrcc ineot" is used In S"14111 9, if liormwcr is obligwed to dray C"'wrow itcmcdirtc¢tly, pursuant ,u at waiver, arld Borrower fails ter pay the ariount dttc for tin Lscrocv tt„rit,Lender,tray cxei.i�Ar its 691111%under scctiun 9 and pay such amount And llortnwer shall then he e bligalcd under SMAion y tar lV ay W Under;illy�urh Amount. Lender may revoke the waiver as to Any or all I-wrov,Items At any tics by A notice giyctr ill accordance with Scolun i5 anti, upcat +Xh rrvocalion, Aorroewaar shAII pay to Les,det Fill F0,tack" and it such araorinta,that are then r'cgo i J under this Section I. Leudcrtmscy,at tiny tittle:,ctatlect UIW hated Funds ill an Amount t a)sullietcnt to permit Lender to apply the Funds amt the time sl evcifJ under gESPA, and(b)not to execsdtlrze nlaxiMunn antourt a lwnc4cc Gala require under 1t1FSI A, Lcitdcr shall csiO tar,the amount of rectos dtle tit the basis of vurrcnr data And rew4riiable cstiimtss of txpendilutcs of future Escrow tt:°m or utd�ra rs ur tewor t,nce with Appliwadtic L_aw. I`hc Funds shall he clad in an institutikln w=ku s deposils urc instills! by a federal s )I! in truanetnlahty,_tat entity(mChuling Leader,if tender as Flit i"Stilution whose do site arc so insured)or in ally Federal Home Loali Itattk.Lender shallf apply the runals to Imy the P;wrow(terns no litter than the mile spictif ed under_RESPA. !.ender shall not clrargc 11olikiwer for holding and applying(tic Funds, cttinially analyzing the escrow account,or yurifying ttic Escrow trcots,unlcsC Leridet pays Borrower JowIvsA on tide !°inch,.end Applicrtbk LAW Wrmits Lender to i n;ke slash a utrargc t ttilc s art agra'rancrnt is madC in writing zit Apttlil.ubtw Law Te utti 5 ilatcrest tit he Irrid inn the FuII6, 1,un a shalt not be restuirrd to Ivry Hotr�wrr Ally 4nterc,4i or zaanlings on the 11unt . llorrower i act I.s;adsr earn itlret in Writim;, Itnwev"t,Qtat mtccest $„ , 1 is Farm 3098 tfQt w T R shall be paid on the Funds. 1,ender shall give to Bonower, without charge, an annual acectuntint of the funds;as€cqujtccl by Itt-SPA, li there rs a surplus of t°unda held nt cs,`.tkj 3, a�cacfaaed under 11l_SIsA, l,enrles shat aecscr to Bottowet f'or(be Cxecs,4 funds'in accordtutcc%vith I0.`.S1W II"there is a:3ho"t+gc t)f I� I'll$bcld is c;ct`asw a, dcilrtedunder Rf St'A.l.cridrt shill lolify 11orrcrwct a5 re aired Fsv RLSPA,and M"lowct shout Vly as Lcsukr the amount tweesusry to make up the shortage in aceordirnce with N€.SPA,but ill oo tnorc than I?shall monthly payments.If there i a ticli,:ictw y of t•wtds belt{in cxrrutx.as dc limed trnekr RI:SIsA.Lcnetarrt a c notify l3rtrrower as required by KLSPA,tint!l lMowct shaill pay to t-coda tl aht�tcwtd ns e 4+ry up Ow deficiency in accordariec with RLSPA,but in ml mute than 11 nxanshly lwyrll"lit I. Upon taymcni ill full of all"mils;seearrC4 by oo,S,.cunty histrijewol, LcndvT shall�prtmrptty sefund it)[tarn wt;t idly guilds held by Len&r. #. +�h:arges, [.,lerxs, fiuttraswcr shall tray all taxes, u�scastns;rui� ihalgt�N- rows. ;tort rmlxs'itiuni IotribwuLxlf to the prulletly wbic t cart t€liain prloriry a}er this Security hssuuaner+t Ic r•allstld pay utty, of gttruncl riots can ilk larafrttty,if trny>anal C:ansntuflity As.�.ne`saaurn lane y pees.sna t�4s a rncnts:of silly,To tiK ext tt that these items act rWFOW diems,Llorrower shall pay tkill ill(be nttrit ter provided in Section 3: 1$ctrfuw et shsttl promptly discharge ally lion which has priurity over this St wily histnrinenl unlcs L3urtorvisrt(a)agrees to Witting to Onc payment of Ilse o4hgaatt?cl seemed by the hen to at ttrann a scceptubit to Lcndc-t,but only us long as f$rnrower a:,tnsrfttntting-atsh agreement (h)contests the two tit goutf faith by�or defends agloost enforecntcnt of the lrcn ire,Icl it PNCCcdlo&N whiell in lantltr ctptnttan ofn txte I4 prevent the ortfri etnctrs of the heir entitle these ptrceedrngs are pending, but only"nut such praccvllms are concluded,of IQ seCti( .front the tinder of the:li'm an iagrr:cnnctrt sstisfsctrrr`y to i collet 4uhurditiwsir the lice to thin S+:curily jxndcz dc-tcnninex that any hart of the Property nS catb}csa to l lien which e=rrs attain priority over this Security irr tnnttctrt,i.cnder nwny give l3otrutvct a natal c nlenul°ying the licit, Within It)doys.of the taac tin which atilt Police ss Liven,t3lwtrtwcr slush rratis,y she tiro or take one or' more of the aefialts NO forth atbstsc in this icc`tiitn Under may rvyuire Ilurrtswcr ter pay a orw-rime vhar}c Fehr a real esuilc tax vcr loltioil wituot reporting scr.,,icc trial by Lendcr lit cc pacctitan with this Loan. S. Property Insurance.13orruiv r shall kc(:Ii the nmsrovcrnc�rttsrrctw eKistanb ar btx lieu Circled and tiny ilia f topiary inxured ngairtst lox's by fire, hruards incbtded within the tcttts tzxicod"l cover for" y c)ther hazards including,but out litnitod tit, ea"Ilquakes and tloodfi,for which hx odct rcquirt>nisttrmtuc, Tilts itsstnancer stwil be nxllnlainud its the ;nloont'(i,r lading deductible It VoIF.)and far'thu°partials that Lendct rcquirc!�, What lxitdci rsduiraz�pltrsuani in ttt,;lsrc�cl3anl scnti,ncas call r"hangc cloring rite tenrt trl' the, Lain.Tta insotunes:et3tricr pittvtding ahc ittsuraracc hail be cEsusen by tlurtuw r a36icst to I.endc"a tight to dt'sapptow flolTower's clsettcc, which its lu sh it nits tw xet�rsc31 harp tjjttutblf. >s�ckd tnae requires tlortum;;r to pay, in ectnncelion Willi this t.wol, cnher. (a) zr unc�tir sc r[sarp'w for flood rotso slctetrarntrrtlan,iettaficalitill an()tracking, ,ervitca or(ir)a ww-tilne chttp;r xraarat loeb snit 4�n4itrrf whY3Cta anti ccriifrsattoat s rvicsr slid subsoqucnt cluuhcs latch ttitle rclrtnpputgs l b' rtal,uu-ably nntght ,affect atclt dcrentatton of rct[ttacatticut t3utra�wct sltdl ?lea 6e (lonca lotic firs tip ltayfrncnt c*f any f r<s iltrltca d by thc. f°cifcntl Lt€lerr.uncy 1'smt{cnicrn Al;cncy nn ecttane,tttrt cv21h ltsc mvicW of any flcatttl Yum:dcwtutin.ttioll w.olung Elam all ob eciitsn_hy Borrow(:f- Oft j7ifltfr -£(PA)tosasi �""` ... Fnrtn 3638 1101 1P If Bonower fait;to rnairttaan any of ncc atvttrh x descrttilld above, Lcndra rrcty obiaita crt,tsr rn't avx range, at Lendci'S oprion tsrad Iknriawcfs ur ptnv. #Vrtt#t'r is uOdur tat ubjjl;,fiun txs#AIMImStx any particular ryes to atntrtnrC of tuv-crmgt.'C7��rrcluier ouch Cava°tall shAtt cover l.crtder,Ixat Pua})ht or owil, not prntpct 13urroswk'r,surrowef s cciluty in the I'rolrr ray.Or the curate lvi of the 1'rupa rtyr e ttnst any risk. F Arsrc4 to liability and nriglxt provide gicatet or Ic er coverage than awns pax vicitnly in eff ct [3zxro 'Cl acknowledges that the cost of the insurance coves age o obtained ntiglu slim#fit anti} cxca�at tin oast of ltrsuranc t that t3utrrxwur could have obtained. Any amounts c9 Avul0d lty Llaldt tuASer this St claim 5 rlu it b,,�ome additional debt of porrrawer second by this 5ucurny hrstrtnnew,`tilt c a�traont sh#itt henna ntacicst gat thu Mille rase from the Jule of d4hurrcmccrt And�hatll he payable,Willi catch merest, upatt notice front Lcodut to Uorrower liximilang pgTnerd.- All insurance lxalicics tcgtrind by Lunde"and renewals of such policies sisals he tskij.et n3 Ik tpdct's right to disupprovc such policies, Shrill include a standard nto"gug€`clause, ant!shall narn Lender arc t7ro"gayrt and/or dS an addiliott,°ri loss puycL' LS<•nd44 Shagive r)LtaidCo' all Yfhcic lrsaaf paid prClu"M;'.;sod semi€icaius,I Lunde(requires, orrow er shAll prorrrlNf)°# renewal notices. If orrower cibmins tin fncm of ir,swull';C c.trvurage,taut otherwise rrcpnircd by o%au rear damage to, or xlcsoueticm of the Property, wch luihcy shall i€rchult^a standard Mot% rc rtAa c and shalt osow Lander as nttiflgagut,andiur as nn additional loss payx , lit th,�event Of loss, Ilo ossa r $h81r grvc prompt nutlet tea be it epnirr and Lender l.t.ttrcu in ty make ptvraf tai°IosS if uti4 made prttanptly by liurrotar. Unh:ss IX11 k'r slid ttorro+ucr 'It tsa-tapr�c to w1 ding, any tnsurane procccda,svhtthcr or ittat if the tvsloratiorr<iir rr,puir iv cconvnticAl[v feasible and he applied to resttotatiou or rcpait of the properly security is not icssa:ocd.During web,rcpAir and restzxat,o period, t-cndYr s°hiril have the 60a ru hold suet,insuran:u prtWce s until Lander ions had an opportunity to tnsivel stn h Propurty tzi enSans tits 'worlk has been Considered it) Lcndca's Sldisfiictiun Provided that such inspectmn shall be undertaken pr ultitly, Leader muy disburse procccds for the mintira Fnd rusnrruti,ov in:i single payment of in a st rics of qat ;a payptunis c tics work is eminpletcit tildes tin agrs.emcnt is made in trrttinii or$ppticablL Law requires interest to be pairs+nt Such intrugnet:putn.eztts Lendct Shari for 1st other third taa ray, returned ne my interest or earrriitgs otr Such prcxa rill FCC Cur public adjustuts, or loiter third vtics< n urn d by 13cnrower'shall nor be pand run of the inwranec pmcucds and shaft by the ache arbithruiori of tarcrrvut. If the rt:storaalion or tvpair is not emonomicaity ttcaa ble or Lellikes sccurrty would whetheri Or nut c{th the n€tu4,r Willi pttA:ccds-shall b€;applied to the slims sccutr:d by tins Secttrity hrstruttx tt, ttr cxvcss,if Sri>,paid rtY fturttiwsr.Stach rnsrrr lctE pr ccuts strati#iu applicit in the arxtcrs provided for its _ Sel licit€;>_. If Burrower abandons the property, Lcnd��t trxaia� tali. ire�o+iut S�ar(.ate notice xuantrlld iitIli I th cluitrr acrid related matters, !f I tat wait chars not respcux(twnfan 111 day to a itoaac c fr++tit t ender tlrut ails orsurara carrier It offered to vat#e A elairo,then Lender ntap nagtNratc and settle t#sit eluun 'Chc:l{i•d.et period will begin wren the malice is given, Ito mailer eve rat,err it Lender acclrrtrr 3 airs i r�rc��o�Y v 4uctivtt or olt'ierwisc, tkrrtcawct hereby assilfos to Leflacr (a) fl000wcl's rights to ally prucu€ails in an snniunt Sort to r xs ecsl the Sit ants unpaid cinder the Nov,or this Security Instrumt'nr,and (la) ;illy oilier of Borrowl's rights (rathcr ttutu t!>+ itlybr txY any refiinc! of uns arr cd ptx naiurtrs pales ixy klaanortiYt}nnslcf all i[eas nci Ixrlicitit coverinr€ tilt:Irro ray_ iinsuftt as such right,art.applicable to the Cover;agu of`dw Property'. l.cnc'k_r May o5L tlu'in5nnrnce pr<x vests t:#th;t to rc rr c»restcsrr rt;.Yaat{n'rr)'or to pay antounts tnrpaid tuider the;dote or thin kcurny Itistontr�rtt_whrthct ut not then dos Form 3638 Vol peps x c,aG a; Ca. occupancy. Borrower shall occupy, ualah)tsit, and tae the I road,+' its Botfo eel, principal residenve within 60 days after the exsetn€tin rat`'he Ss�xtritp tnSltt tern teatf S)aalt tornin+ to occupy the Property as Borrower's principal re""idcttee fill at frost one Ytx r affix till ztate of vsctco(mney.onless l ender otherwise agrees in writing, which vonsent ahait atilt be uorcassrnably withheld, in ntifuss extenuating circumstances exist which are beyond BarfOw--F"control. 7. Preservation, lktaintenance and Protection of the Property, inspections. Burrower shall not drsaroy, tlamafte or impair the Pfopcity, allow lix: Property to datctioratc t Voulluil W-AMV. on the Propcity' Whether of not Burrower is rt siding in the Property, fi ar?ucr"ball to rottahi lltc Prt�yctly nit oleic'lit prevent file i'rn rty fzntn dcteriorttih tar deco xsatag Hit vxttk4 tile to its cut€udititatt, tart#cc d is order Pr pnrsoble to Sz~ctibza 5 that rcFxatr rt rz stexation is rot ecoatotneeatly fssatbic. Hotrowtr:Jell) promptly acptair tilt. litopuely if damagut) to avtttd fttritur zfcteriorsrion trr dntntgc if tnscsrtnce or t:otttit toil itfon proeccds are paid in connection with damilgi!tot or the takutg oL the Il wpctly, Borrower call by restxxnxi Zlti for rcproiring or restoring the 1rtt��y tardy if l,cndet has r caxd proxec�s for;+are s at frease flionsi le fo rcpb se�trtear}�Iire the ra pairs mitt mAoralion in a Single pa}mtemnr to a sel"Cil of pool lull p ynxtttts o.the wrack is ctimrp)eted If tale tm aricnex it cota€lemnatttan putty Beds arc not Suffictuttt to repair tar restore the Property, Burrower is not relieved of florrowers o'bligiititan tits t!'c ettrut(dctieat ea Stta h repair or rctapralion. It it h,s Lentitt trt its agent gray malee ma,ttahlc'entries "It"i and ut,pct:tiun,of the Property rcnstyndli)e e ito e,)ettt)cr trrrr}in- eel the itlle"rlr of the lntlantven'ctth cyst the Pnspcary, Lcndvr xhrli vvvr: tionower notice.11 tile:time nftar ptikw to such all infctirtr inspVctirlit�ncifying mtelt rcastuyakle casts H. 13arrov+er* t o?tu ppi attort. llwrx+wur shati be in dufatill if, dorrng, tilt; Loan apphtatl:tin taroecss� Borrower tar any persons or utilities aclittf„ at the dirveli'sn Of tt,arosw^cr t;e will' F"urstwet+ terirty fats,tnisicodng,sir n-acurate snfonnat to or krtywtcdg c or cansce) uYU Kta Sttt€Mrttctrts tst I tatder fm failed to povidc funnel Willa inatcttitt hyfotrtuellonf ut Connection with the L'ou, X�atrtt wprescniaticatr.,nrciuck, bat am vol Ifmited to, rcpr untxnons cartusrning floarrowct" occupancy of the Property as flatirowees principnt resrdut'cv- 9. Prortctiott of Leader's int0rvst In the Property and nights t,Inticr this Security Inaatruntetrt. if (a)florTower fails ro pQrform theca enantw and xgrucntuads a ati.anci ra'this eui7UrltV fttsl + cw„ (h)111vo:: k it legal proceeding that ought:,tguiliea ltily affect Lends s tntcrts€ rte the f`r()Pcr'y '"i Voar n}d is un� r ttos'�c'tatrily)n;:trtanttinr{st h is o pr cednag,in hankrnptey,prottatc. for csandcmllaiitxn our lorfciturc, crtti5re .mEnt oP a ttun which may atiaita priority Over lht� Svuiity ttistrratntnt tar to z.nt.arc-r tuWx err rcguliti(ans}, csO ftcarrtisvur h.t,nbtntduazct the Property, than t.endt;r sntzy(tz aauf laly)ter wtwttttier es re=tstinattrla (zr Appropriate it) protect Lcnslur'& intctcst in lhz Propeny and rt(Uvt under ills Selling lnsitttttacnt,including protecting an€iot srst:,sS r the va4ta.sat the Fropt ttv, and scarring €ntUuu ru�ntinp rEr t'rutacrty, f.ctntl rs actionsuata ioehrdc,but are.not limited to: a)plying ertty sntrrxpaying St`rCdihvet€tfa)c which bas priority ever this S4ctrrlY lnstnathctrt, (h) appcaroay dt eoun, alai (e} .attorneys` fees to protect its indcrest in the i'ttt}ar rly ttntVoj-rights rrttcta r this S(cCuriry lttwtrnn�aat, uiclttduy� its Secured posifirsra in a bankruptcy protcctlinh Securing;rile P»tperty orchttles, bill is not litniwil fit. trterittg the Property to srtakc rcpatrs,change to'c ,replace or board up der ar:.:tad wtr`tlnww, sbz:tin wit" I'Tont ptp€;s,clunintrtc building or cttha aade violotiolls M d'inpenaus uon,litions. and have tshhtu; aorrrad till zrr off Afthsugh)miler May lakV auliurt tu3t#cr than titttt�.l c ndt r dohs liar hawk to do SO and�not ottde2 ally dozy'A obligation eta do so It is is 'cud that Lender tttea{rs ails h4ilny tut not t�lkung aria,'ur"If actions authorized under this Scction 9. s Farm 3034 1101 P.xrye 8 u'tU -6(PA)toWb1 0 Any amounts disbursed 'by Lender under this Section 9 shall bccume additional debt of Borrower secured by this Security instrument.`These amounts shall bcnr interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment, with all the provisions of the if this Security Instrument is on a leasehold, Borrower shall comply i lease. if Borrower acquires fee title to the property, the leasehold and the fee title shall not merge unless t,f:ndef agrect to the rneigc-c in w-ritiir Itt_;%jortgoge tnkorance.if Lendcr r:guircd 4rlortLtat;e Insurance as a condition of making the Loan, Ilorrowrr shall pity the prvoliur, required to uuliolaul the Mortgage Insurance in effect.if, for any reason thr"Mo tgagc litsiinowc coverage required by t.ranier ce.ascti to be available from the mortgage insurer that prumnJsf,v provided such insul-All 'and Ilonower'was required it)make sepalotty dcsilptattd payintmi's titW9rwz tttrr prentiuttte: for Mortgage Iin"unutec, Bonowef shall lay.the tremiums required It) obtain eoveragc substanlially s;yuivaluni m the Caonpu Irtrsumnev previously in effect al d c:osi strhstantiadly equivalent to the cost uz [istrtow,cr of the Mortgage ir>5tnin+:e: irttVio sly' to ctfec€. from an Act"atc mo€tgagt_ insurcr s lected try- Lclldct< If sub.'4aiuially equivalent k3tr€gage Inso anec KMvcnIge is not avaitiible,Borrower`shall cool uue to}AY to Lolder the amount of the-Separately do igndtcd li.iyrrunis that wcre due w1wr,the insurance e etwucrgC t:eaReti to he ill effect_ L ctidrr Will accept, use and reGnn these payments as a non-refundable loss rserve in fic-0 of,4tcirtgagd Iratuarl c_ Sacfi d s Lender shall 1w non-refundable, notrwittlstunding the fact that the Loan is ultitanttuly Paid in foil, dztd# rider requ flat tir: requited#ts pay Borrower any;intcrust car t aniin a�suet,toss reserves.Lco&i clan no 101115 a r t cqut� oa rc Y rvc payments if uttgwgc tnstrarlmw Coverage(tat the:amount and for she period that Lender rcquirec) rrset d try an irisntur select by l i;tidcr again ixrotnc.±available, is ublaiocd, and Lender regofres seputatt_ly desieplatcd paymtius tuvrrrd the pre minors for MOrrUage Instmtncr,if Z e nwle r ratyuit tI Nfogi Insutancc as a condition of making the Loan and Zlrrctuwc+r was rL`I hied to rituke scparulcly 1t;I rated payments toward the prenliumi for Murtfage h uraneu, Borrower shall pay lire premium,rtquircd to maintain Mortgage Insuirsncu in cit'eei, or to provide a non-re ndahlc lo—, rcarrve. ntttil Lensk�r's tr requirement for Mort, gc htsiir nce ends in awordzince with ally written at rec"Ic ft betwcco firsoolver and Lender providing for f€ir such tcrminuticnr or canitl tt�ofnat`ion is required by Applicable,Law.hlotbing ill tills Section 10 affects Bofrowees obligation to pay interest at the rrlu provided in the Note. Mortgage; Instnance reimburses Lender(or any Corky that ptue lases the Now) for certain losses it may incur if Burrower does not repay the Loan dv tcyrued_ Burrow,( is tl4t a Party in the ;�to��1c Insurance, 'Mortgage insurers evaluate their total risk on Ulf such irtaotiul�ill fore.c froul lttlae tea arrc and ireay enter into agreements with other partie th at shaft or nfoctafy rlwutr rusk,or rc ue e ewe uC,Thc> A$r e 'w are utt terms and conditions that are sat6+inciory to the fnctrtgate tri wre and the othtt party(or partic`s)t o these ahrccmcnts,These agreeinents may Teel""the mortgage.ndsftre, to d1i�l e f�7t€iL`itt5 n fnl'y itrly fi�'Cain'r�r"of fonds that the mortgage insurer may[lave available(which mraf rrtb'lltdi.fntxl+c3lit'>a[nCii ti cum In'uraalec prmilitmn,'), As a r sull of these argrcenienis,Leudel,;try pur=hascr of lize Note.ilnoth t Insurer, ,zny rurn"aller, any other entity,or any afftliuic or troy of the ioie�nnkt,raay t cave(directly OT inditt,clly)amounts Clint dertvc from tier illight be ebaraeterizced�j a lnanion of fittnuwcts puytocol"for,'Murtuatc Insuralicv-in uxchangc' fiat 3tlanaig or niridifSing eft fntfttt#"at mstircl s riA, far reducing fosXs. It'such�,reL}nmil txovtdos that aall-�affttiatc or l.crtcicr raki,,s a Chace of tiro fsrzurcr3 tusk in ec hanL fxlr a agate «tt the lzrcniion"i'l paid to tftf:ina'rtt'u-r,tlic drrtnigcnietii txtrOcil termed"captive r:insulaiiec. further. (a) :fray' sueli agreements will not #'feet ttwc amounts that Borrower has agreed to pay' for t. fitPrrrowYer we'ilt owe or noy i�'Iortgag other fosorance,the nd they will not enti(leeBorroiwer ill increase the wkw.: 11' (MtlFttp sosee) r°�cc�,r r8 Form 3638 riot a, (h)Any such agreements will tint afTect the righta' I%cruwer has-If any- with resprrt to the Mortgage Insurance under the 1lameowners Protretion Act of 1"8 or any ttlhrr last; 1-hese rigghts may include the right 1u rt>eeite rtrtain dtscia ureit, to rryu�t and cchtuio cancellation of the Mortgage lnsitrance,to have the Rfarkhfage insurance l"minatitd authroaticlifiv=, anll"i fn r"rive a refund of any Mortgage insurance prehtiutn that were uncttrnrdtrl the time of+ut1t cancetiatiun or termination, 11. Assignment of Miscellaneous Proceeds, Forfeiture. All Miscellaneous Proceeds are hereby aasij;twd 10 and shall be paid to Lundcr; if tin: Nteperty is daroalcd,Such Nitwellancous Provectts Niunll be applied lit rc muratitzat of tcpair Of tlx: P"Iftetty, if the mstiWation err folmir is c:ettrtontcully feasible and Lt<tt Wk, security is Wn lcssrned. During such refr ter ttted restor(lion period, Lcndcr shill have the right tcs bold such hlasc'rtlautwous Procc€-tis until l.rntic t tea hat!an optrcutunitt�tcl ittspcct,acts t'rUfu ti}to t nsutc the wttrls has lrccat eontplractl fir l.cnetcr's=soil tic tiefra,prcaunleti that sus h to pv,-m tr strall be undertaken tnplly. 1.rtrticr mat,°prey f"tit tt repairs oral restoration in sc*invlr dlabursvincnt or in a series of Pccrgt�s paytinent,,as the wrark i repairs and Unless ng rec±a , t is madc ill writing art Applitablc L.atv.rtquires.ipfetcst io ha Patti kilt such wlisaellamf alas PRICveds. Leralut shall nor be rryuitcki to pay fiortowcr any iulcrust sir s'atrrin cart"Och k9iwullanunrs i'rot cods. if the resto(gliion or repair is not ccunumteally fca514rlc or f rrrdcr s s citrtt}°would be le iscnctt,the Miscellaneous Proceeds Mall bV applied to the sums secured by this Nccurny lnstnamcnt, whether or not thcrr,due, with the xci!s%if aot±tk paid to Burrower, Stich t~luill N applied in the arcler provided Four in Section 2. In the event of it total taking. destruction. or loss in value of the Property. the Miscellaacous Proceeds Shell be applied to the sums secured by this Security Instrument, whether or nest then due, with the excess if any,paid to[Borrower, !re rile evtnttaf a partial taking,dksittxt in,car itns in value If the Property in which th fart tor.+tW valov of ibc Propefly immediately before the p+vial taking, deStruc'limn, or Iofs in value is Nwil to of greater loan the ilmotint of fix runts sbeured by tilts Security lwtrutmctu imtneduttely ht fore the partial taking, de5inictitrnt or loss in valor, unlesn ltorrowcr surd Lender 5thcrwise agree In writing, the sum, sccwrcd 1?p this Security ltsstrunt +tt al"'ll be reducull by €lie amount or tilt miscelhincuua Rose d,- rtulritxlisc by the following action[ (o)the trial amount of the turns scour tntrttrtliat 7y ltc rt tla. t-nolral taking, tc followin, err Itrs.�s in value dividctt by (It) the fair market vatue of the Prerpcay nmri ial ala hr;fau<lli�part; in takfftj;.d4'Aut:fioll,'tar hWitS tit value.Any balance Shall be Patel rti ltofft"A'Cl+ in ttiz event tit it partial usking,do sruetien„err loss in value of the Propc>ty u:which the lair iru7tkef value cif tlx: Pruptay itnroctliatcly before till; parlial tak n}t, destruction,err loss,to vainc t legs thrall 01C, he irtncdnocl bfr the partial taking dostw eli on,tin joss Iii aloe, uniess anrrn?t#4f sral9 C :rpals r t,r tilt zania tomlwur And lcine odictwisr xegr"in writing, the Mecflancaus( nt cds ; smurr d by IN,,4ccoriry Instrupwril wileffa r yr hi»the sums arc then due. [f ilu: property Is a6l?tidotrr l'y t3arttowcs, ka it after notice by Under to 1litsrowcr [lull ells �,ypltilSin Pant'(a defined in ttitf nCkR`.f'.41t�nCCl kltet4 to make An aveard to-sonic:a Clair ai rout titen"IeE�'f';s:. Uorr tS*wCr rails€o respond eta 1 c order will""30 days alter tiro date the notice as(iwtsa,Ltntn r is nwtirr)ttzt d to collect And apply tfu tvliicctlanetiuss Proccrxis cithet to reshfratwo of repaid of dw Pteilxay tit to tta, stoats sccumd by this Scxurity 1nsirtancilt,w6clhcrill net thcrl due,'"pppooing Noy"ro ans the third party tlir.x owes l3ta�xuwer tvlisc«Iltrnezuts prceectts err the latfly against whmnt 1lrutosfrcr lam a right of aetiriit its regard to lliscetlancrius 11toceuds Burrower shall in dvfrwb if arty action at Pitt e cllrsg,whether civil or criminal,is begun ilia[, in l.cnticrs judgment, could result it, forfsetute o f the prolt.rky or other material impairment of Lender's interest in the Prcrperty Fir rig its under tilts,yir�ctrttty Instrurracett. Burrower can cure such:€default and, if acceleration has occitrrxed, m mutate as I t ivided rn`i s iatt lit,by causing file action or proceeding to be =.6(PA)(JSaff; Form 1439 1€91 m E i I t di5 mused_fill if ruling that,in Lender's judgtncnt,Isrcciudcs forfeiture ut the rrtrltcrty to otftcs uiafrtisif irnpatrattc:ni of L,cncSikf anfera"it in the Property or rights uinder this S only Insirtrtnent."Tit,ltr a+=ewt:x of ally aiv srtl or kit€ins for damages that are attributable to the impahnictit taf Lender's Interest Iii the^tropc'aty utr bur shy awsigitt€i and shall be paid to Lender, All Lt.t ellaaicau I'tcrci•cds that arc nut applied to nsturatiun or repair of the 1 tiaperty uhatl hna plilied to it,,:order pnivided for rn Sacotiun 1 12, Boreower Not Retc:ased: rorltrnrauer Ily [_ender Not a Waiver. liRtension tai du link[fur gaytncnt ur rnutlifieanifon at aaa tttritriwahof the runts sceurcd by lhi iccur'siy tnsirurttunt anted la L der Yea 13orr0yrer or amr Suer cawur in huca"t of liorrowear shalt not aperatc a[cleric the liability(31'Einrruwtt or ativ Sucemuffs in Interco of Bonower, 1-claIar.ashtall nest he fetluirrd of xhngs t};?inst -lily Successor to intvtesi of Borrower of 10 rehase its extend term for payment etr 01hurwcsc n�ui9i1`y urnnni�tNihn of tllc sutras ecuretl by ibis Secunry ht fe[[[ns rat by leww i df any donand in cde by the original Bonoweir of r:ny Suss.eceurs its Interest of Bor-nivimtr.Any furbearancc by Under in exercising any right tic remedy including, witttuut liusitati0if Lsndur's ave pi:nsec of payntcttts from third Person` cnttttes fir Succe"So"in hu rest of Borrower er car ill afrtounis.tee than tic aluount then deus.:ahalt txtt Lai:a wasivcrsaf ur preclude the excreisc orally right or relnedy. I3. joint and 4carr�at L,iabillty+'CO-Sigtirrs successors sired Assigns[found. 13prr tiw cr catv;7tant5 ;Ent-agrees that 13sxrraawcNS cthligauuns and habiliq Sball tsc joitri,oul"asvcrtl_However,any Borrow 'u'ica .tr signs rluw SBurro tnsttiitticnt taut girls ills[ t aecute file Mite (a "co 5tgns r"}. (a} is ut vigmttl the+ ,Security tostruntsnt only to nxsrtgaigc, grant and ua Vey tna`.t.0-signe 5 rtitenn,in the l crla rag;Secr€la^ 3crnts of this`rt curity ltsttntintcnt;(h)is 1101 IVtr ells[[klieg[tell fez pay the atuxta sceurcd by tits Security Instrument,and it:)agues that Leader send stay otru r loxrrtwcs on agree to extend, moe„bfv forlwar of aiistkc any sacctastnt}itslatsein with regard III the terms of this Scatrity lo$truincot or the Nutc ir'athoul the° cu Subject it, th e ttrnvieictns of *,;ceuon ill,. any Sta.a;csrxsr in interest xzi'Llvnowvt<t eikt+t ttssttnaa:ra Butrowwcf". ohliigations undct this Security lnatrurrtent it writing, and is ilrltttYV{l by Lt ni er ial!nlssarta all iif Bioxuwvcf's riglrix and bvilefie,under this SvCurity In91runCnt. flearui"'er shall nut retc i,cd ftiart Botrower's ctthgtti0ns and iisrhitity undo r tit *k -fly In,�tmmcnt unless Lender agree,ill sli h release'if wvrrtir}g_ "l tie c0i`cttant� and argncmcnis of this Security htwtrunas:nt sfsrll hind (cxreelil d, prOvi&d its ,jectitatt-'2tl)and btinelit the ucec:ssurs and astitgns of Ixwtd f- 14. Loan Ciiargrif- lcntfcr stay Charge fiorlowcr fct, for wrvsecs licrflattned in cunncw-tisnn with w,irowee% 4efifui: for ttfe,fkuiptis,of prntee'ttng tznd&r tuft test in die Pt�Pen€tzr all('ngvd'11"ilftrcic,rty Setw ity ltistnsnterri including,hot n hnmiWd t0 auonacy5 ft ew prop` Ill trea-rg to any othwr t.¢s,fliv absence of express,tndiorny nr thss Security lositutncnr to ch ark,a slK:tti� tee tit Borrctivcr shall not be covitfued as a pmbihition can tttc charging of sue te fi e-Lcndcr rtiiy anrt Olal gx fees that atc e xtrr.sly lyixrhihiis I by this Suturity it;rttuttfbnt or by Applicable L hew_ 1 f tls t.tt ire era suttjcNt act e taw which su^t otaai>xisnu ls,Neta eh ag ,ated than law is orally tntectIrctcd ass ftaxr the irate oo ur"oilier tcto euttrtcs cotietteet r to to collecmd ita,ctntncrtioh Willi tea. Loan erred ille tusiticd limits, then, (a)any such twin charge shall be rcduecd by the amount oc.+,+s�ty to redei c eft charge let she l ctnritiz d tittnit,and lb)any sung;airsady eidtcctexl fresnt Ltortower[which cx,e»dcfJ pr!iiniftezt [infers will 1 bt ret'undcd ra 1,and lb) Lender jig choose to male this refund by rctluciog ibe littne"trxtl tiwcd will ibe ualdt ut by tttttiul � nderi t yfiietrt tcf 33tatnnw'er. If a Wfund noducei prilwiliai. Ific reduction will be ir4attd ns si partial prepayauctu Without any prepayment charge (whether nr tiaa it pret�yine nt clgn�gc i:.provided for under the t1ixel- €lc3rrsiw is ycvaeptanceof nny such rx fund aai3dt b3 direct pit "I to Borioiwcr will constitute a waiver of ally right of action Minowtt might faty e artxing mg of sueh overcharge, 15. Notices. All notices given by Borrower er Lender in connection with this Security Instraln1-1 must Ise in writing. Any notice ui Borrt>iyer in ecnnuctian with leis Security lnstrutncnt shall be deemed n; �nFiaao �{/ Form 3039 tf0i nape 11 �.ri(PA)totaa; i hate L G+a�ivc to ut ll,arfritveS€ wtact,fa,silo by tte;t,I sm at,=i,t of when aamuAlly de ltcet�d€u IlCtr eacvuCs i,oticr sdlrt;=s it s:ru by otho rne,r"S [sx4assi tit mate ttuc 13urrtstcsa scull eooMitutc uOttec to all tlatrtas VTt e 1'he`nruta e a ldres 4_11 tx trc i raVcy Ad les uicss Applicable Law expwily frlluoc,,9 uttv"v5 nnit� fits::m°c Pt m,t�kislt stcd 3 subititur aauuvc tatrct�by mal r tcs k_+,atlsr< ffiffl wel shall *utpfly notify Luttcicr of Iteorrowe6 ehanLr ill'adilm,"s, 11'Luud¢r Hlxt tlat i pn 1rourc th �Pcci it #priwedura uhattuv of address, thetl muro+nata.ti trsivicetaddcs n acrd_ri ii sa r ttybh sttnmcntt at a,�yiftf»+ p011ie,dAir There trihy.K ea„ly � nffiivi!tit Lender Slintt he gig(-rs h)dclirctttil;it ur" ntnilis=l it fly iiact t t +Firm" e hS;n Y c tivCc Ill si.aud beruut utila s I.e:taeict' law, Ict,il!,stted juvothet addrtis, Iry ,ifrt,ei: to klesrruwcti Any l act i us CeaitmClilrif with Yltis`cCUtity in,,5trutf,tatat Shrill natt I%:rL,C,Vhrid 10 trove $rn}t ct,to Luaticr untsl nhcabl r€ceivetl by Lct,drit If Roy tioticc;eeyuimd by lhia SLS,arity Inssrurn ut ,s nLKt rt�luues!cruder Apf t.aw, tilt" Appttctblc Law r tailvilmot will xarisfy the aura-atlootl4le rcetufrtafnclif u,vder tlu> Ssc,trirY Inxtrutnent< 116.. t;axeruiug, Law, 4everubilily Rules Of s aat�a'uctiau- `lhtw �eciuity� hfstnuucttl �nit tae- guvCracd by federal law acid Utc law of dic jauixdictitatt na which the larxl�xty-6 hK atsxl__All rights.100 ubligitirfttx ruufsfiftett n, this Security lus tunlaill ttic subji.ct tar :uly requimaleras and tifttttafiatig saf Applitttlsle Law tppirtahla Lase might explicit'%,Ill'onpiieitly aih,w the paflfA° it,ogr€t;by unto cl tit It tniglu tot Silbttt,lint`,O CIA ,Icne=sli r11 txx he rctastrue`d n._a proliil,ilim,aatuiom agrcerncut by a:uutraet.ht tla°wriest that;toy pre}vlsicni Air Clitrw of this' "'security Instrut tilt sac tilt. 7Utt i tottecHS with Appiiw tt€14 Law,ditch cosdliet shall iteu allvrit tall"provrooaac tit Il,is Sce(atty h0fiuticttf x r the t#fati yv#rich c.u,fi s ,tvun ef'ri t:t without the Coollic;liol;isroArmtt,te. As a ed ill lilts i xTu Is itturn�„tt (a) word, of the nn,�tsldtu g older.hatil Ctacru t air! ux°lode Cona.~.(xullbug deafer wurd�s or wtifds esf tilt• (t±nriunsc l math r,(tsl u�ct- et the without ut 1 Ault tnaait rsrto aneludw the plural Anil Viet:vcM,At--1(c}the:u,'tard Wray'° sc,i dasctctisau wititesW.toy,itfifign2i�tt fir take any xctirsu. Null: tiit eths Security b"ar"Incatt t7 Borrower's Colty,RotTower Shat lie L iVff tote copy , t 1 rzrrfaleC of the t'ru arty^'it s Better' Iuterest in Rorrowern As user!it,tl tc Steuart lK, "I„tcrmm ill the°Property, Inc a+ssautr Ictnt of beffeli sal iutei'rixt ill rite Pststteery, u,riudiftp,but cot rturft°d to,thosc.hcua:fieial tart€:rests ti act lc-reset itt a busitt tar J c 1,s untract 1sx rlcs tL tssxt atlttu+tt Sites cuntciti t,ar c Frei r ugrct mrfat.the itsacrtt Of which tS the traflytcs of Iitl�°by Rol-towel at a fulow date to A putchowr It"uls car stay Part try"tltc I'm1 erly or any lutum't ua the Propcft} is cth!car tranxw hcxrttcL cull$xt i,ir is ttc &t efdtiuxUf p t tan zuxl a I+t,etttcrad utteresl tta IS tstrs=Yes sti71d 'r is ansiitrcdi is not natural l.cttatrir >six4 rc utre utun digtc pfvote, it !ail =tf ,l! nuttis wettrcd fry thax 4e uett°; fu tt?amctrt. I-tanvcves, th& c,luissaa shall girl blc cxcreiwd t., t reic6est if'samlt t a.irii c s l,ntltihir sl by p}zlrYteahle Law. If Loalvi: clicteiscss fills upturn, I inch r ;Stall give ticutcscV,:t ,it,trAa`ctf ae€t tierce,n:l ice fnatiec:.tout provide a period of t,ut Isl,a f,tant 411 Jays funaa file d=ate tilt tu,fzcc is given of accc,nFatr c Willi ecellov 15 within whieh GxutxcrW" lot" pia)•all Suuta `cutcJ ht 1h�Srcursi}�haatrai ly e icstr1wrul tut€.y I�t 111csi'sunis pnor tit the expiration A&Wis portal, Lender prat iri4°e t4 any rctutislis t ntuftcd hx t# SLCUrify Ir,uruntct,t w,tluxtt firrttter ncttstc ttr ttV,natal an Borrowcr, ir#, urtois r'x Mehl>tt to Relnslatr Afret Ae�eltuatatu 11 Bortrawer tnsxCq cctt�tn etatkkauiw. t3imuwa"r shat have the tlpht to hav st,furccmrint asf ihta`,s-cnrtly lit, discunlitittcd Of,;ray Irma prior to the ccalicst uf.(a)lave d•sys before al car the hAlperay pursu,uu to any pxtwa tai sale t�tntYait€cal i,a t1ti% corny lwmrurnant; (b)sttwh ollter periAnl,aa Applinititc t,uw ensglu sluti(`f tear the terrtt,ti6affori of nt � ru ailll c i ikliolrofw e, right tit riu ” al tiiv ttdetl ) Sevir tv yitdltitk, a [flat 14 irtdu t 1=i l e m w t h ewe"apt t�dcfauit(if Amy other€oy'cn=talcs°f It'struu,vto anti the Note O if ta,i is ectt•r_tt ,af hard t�'urre<h t i Form 3039 tiff alpAt raf"; tagwentents,(:)payw all cxpcnsu:'utcun Sin cFtforcirl(tins Security In==stttrntcut, ineluding,bul nor 14040 tea airs n hlv ntrn}Yleys fccs, prolscrly snwpcoioa and "lualttrn ru^rs anij (miter fees uteurrvil frtr the purls c SrC pn'aectitth!cnder's rnttaC1 is the Pretperty tuts}tit,his tallier ibis Sccuraty instrument;and(d} tales such action as l.rtt yr"lily rrasssFrably ruluiw uz aNvure Chill ltudet s inrcreai in thu Pruperty and rights under this,Security Instrturtent,tvnal 1ltaroww`ees nhligalion to pay the sums secured by ibis Stetrrtty In turnctu,shall uontrn unchanl;cat, Leader Ina nrluircthatilttrrtaww�cr 1�vstackSelo tatuntrnt�nr�ancl cxpcwwc to oate of rnorc of the fultowint; rorms, as xclecled by l_cncicr, (alt sit;( }m€anc-y or&,r; (r rr taahs r'a etrrk,pruvik J any such check is drawn upon asurt r`s cheek tCertified check,harit chcs:,s an institution witose dcpushs-art tnsulcd by n federal al cncy, itevrnirunlit lily or cnttty:or(d) conie PtrnJs frsnsl°ar. tlptrtt rebttenrrutkry I? tvut,the Security Inslrunsrot anti obligations scxord hereby dilall rernain hilly CMclivc as if no acecicrriort had ctceurt d, lltawwec're rp ibis tigli it%rtil stair shall net apply to the case of aeecltrntlaa to dcr Scclion Ill. 24, *Sale of Note,Citorige of loan Servicer,Nei ice of t;rlevnrtcc.1'hc l�catc or a partial Were` in rise tdtatt (tol Ghcr with this Stcunty Ins ran be sold u"of inure hint-"withcxut prior notice 1; tlono ra A sale m'rtZhi tt?suit in a xltantlr in sire entity (knnww�s a thr 't,asan Servictr}hurt Colliers 11eriodtw Payments due ondcr the Note and chic sa4curity loquitnacnt and perrt?rrn," cahcs tncrtzage loan servicing obligationx under tht°NlravC this Security big rrrnucnt,and Al.plicablo Law.VIM also"tight be tine ter tt?ort ehsart¢c of the Lcratt 5crvi"r utrreltttcel to a Sale of the Witte. If ifivre is a cluolip of lilt Loan 4 rvicr,llurtower will bu}gr tic written rsutist of the cht€ube which will state the rialto Soil nrDeireifi of the new Limp Scrvicrt, the addlv%z to winch paytttcntx slrooid bt trracl� toil ally luitrr irthxtnatitut tt PA = uires lit Connection with a noise of tt taaster rif scrvicrn r if tine Note sv old ltd thereafter site l omt i servieect illy€t Loan Stviccr other than the parclatser of the Noe, the me lleae'a ton aurvic ink utall�atccrnz rte Borrow r will rx mein with the Umn suvvicer or he tnnrfcrred w it iuccc'sauc Loan Scryrccr and I not a arltncd tst tbt I rstc luttailas r onlews utl erwrsts ltrouttle-d try the Neste.putch sel Nuitlsea I�l"UWcr near i.cOct tn>v ion€nctFcC loin, or be j1 ancd to an}ludretat aetitsn(as either an t individual litigztnt tar the member of a Oats)ihat Sates horn the latter party"s actions pursu;tnt to tivs Security Instrurrtcnt tit that allcges that the other party has rrcachud ally provision of,or any duty owed by rs asun nt;this Security htstrttincl ,until such Bovrowur or t,rrutua hits notified dw"diet party(whit match ittatitu hivcrt ill c snrpliaracatvirh the r uinr�r i t,of tx<€ittn i i crI , .tl€cptial lu�ach anti a urdcc9 tlr uihcr party lFcrwto n ru %rumble period alter the l,tYa.( sir scxh ntltaat to t Si curecertvc action. if A ppli thtc Low provides a ante peritxl which must t lops;c buturt,egttwot ilciiun can ln.laical, th?tr 11 le period will he ditmcd to he rra�ttlalu rtrr p rlxru of th,+pararalrt, Tltc rrtnteu of acceleration and l lsautuiaity to cure given n to (lturotver lrutsutrill to section 22 ant) tt' lwtire of aeovicratism given to to talc Onrrowvt pursuant It)Section 18 Mxali x llcet�ttd ter sarasf4 nc�notitc aa�a!,>ppouuntty c Corxcrt+vr tactrorr provisions art this Suction 20, lttsx_ardazFax 4tultsianscz alt tlto 1, fMa�arttaua lulratauces. t uteri in thr�, S!lilt Silt ur wastes by l:nvir u mental Law and the "utbslanrcris deiirtud as toxre or hi rardous tubst m r I" I'll substaltucs- gasblitte, herowric,other flautrrtablc u€ toxic petnaleutn prtatlu"s, toxic fle:46de-, and herbicides,vvilatilc scilverds,sea ff rills rsantaminp asbestcss or fctxr»ntdehyde,and rwioaclivc rnateriaisa (t?1" nvirtattmt it#1 k atxv mcat�federal lawn and law,of Cite j dietion ashen'lilt Pt+aPer[y i"located thal scltm tea hcatthe safety or eztvi anmeattrl protection,(r) "t;rrviaFruriutrxtl C lstutop" includes anyrantt dal Ftt'tinn,ra medisil action,W removal action, us defined in C.ttv'ir ttultenrsi i styx and(d)all t.,undnion" rate tt a condition drat rot c:+usu, contrihaic to, air orhettwus: ttt�gn:r ;lit Lhwiro»ractttal. (�.l CraFFnlr. «F� j! Form 3039 VDI Pave 17 N 4s '0 6(pa);a>�el i [forfowcr Nba)1 rtttt e=ao c crr permit the presenct a w,dispus'al,s mgc,to i eWw Of any Ifxzardote Strbsrsnees,or threaten to rcfwy,flay flaxarttsix ttahst uu a un of in tl I'[upeni. Clurruwur shalt not do; rt(tr allow anyone else to do,anything affec-ling the frzttazrty 0)that is in siototitrtr of'any ht€ tronrnta€tal Law,(b)which erastts ast gnvitoturtetttaf taardrnern or(c)wlcsch.due.to the tuovncs. €tae,err rc€VvW Sae a Hlaratxltat+s Sufi totx creates a uondikictn that 40 -rs,�ly ufret s kfce visftta o#'the Properly:�rcrty. file frrcxedirtg of twct serttcnc-s'.s shall not apply to the.pruseax:c, try:, or sYi€tub'<.xit 113+: 17tct riy vt srtfin quantities s ate to Ha'mdotrs Subslst;t r that arc generally nxognizcd tat be appruprialk! to oont€al reside, trees end to m;titt€cttrucc of`tanccs that tnwhaling,bill not limrl:al to,lu�arrdotts Ytbscrmcrs in tore urnrr ptodtuis) florrowcr shalt taornpily gave Lend"wrinen rt mcca of(a)any invcstigsttton,clainr,dor€€and,laivaft car oldaci action by rutty atrvctnrnant:d or�rl;ttlatory�aycnt y or private party involving tttc PuTcrty and arty t1a;:rfdettta Sub}:ta ct or htrvicanntcnt d Law or which litxrower has actual knowledge, (b3 arty t nviwo-clual(:ouditictn,including trot not limned it),arty�pitlittg,leaking,dr�.h ant e.rr l�tse Or tht�ot cd tclsa of any I lazardous Snb apt e.'nerd(ut any vowhiton ear>_+Cd by the pct twnc use crc rehstx or Ilarardoox Sttlt,AiA ec whivit hdvcrsely affects the value of' h+ frctps riy. If Borrower tt x,cat is notified by any vonunwmtal or rsgatarary'authority,ur any priv€€tc party,tduti zuty°refooval or cttlser remcdiation of an}li xarziutc auh ksnt rutfertit the Pre urtV is ucceNsary,40ITower sltxil pxcuntatly take all acc(*ou€y rxun4thal sclions in accordance with C.nvircillm,ntad Law Nothing fIcIcira*all csc;rtc°any obli8allon art i.cndo for on f%trvirtntnteniatfalearoll' NON-tlNICt3RM (:AJVCNAN'M. 13-10wat'anti t.ct der further cfrvc tan.oral agree evlle follows:"fa 23.Acceleration,Remedies,Under shall give uolice to Etnrrower Peru Borrower's se4eterut3on fallowing Borrower's breach of any covenatet or agreement In this Security instraanrrnt (but not prior to c erctrratinrc wader Section 19 ttrtdess Aptillcaltle Law provides nthcrwi e). fender shatl ntattf# liorroet r or,arttrrttg arlter things,tut the default;(bl tire actlou required to cure the default..(c)`v hen the default east be cuced; and (d) thol fillurc to cure the default as WOPed nn ay reSult in acceleration or the seats secured by this$tcurity°la,,trunlear,rovexlasirc by judicial priso"ding and sale of the Property.Lender shall farther Worm llorrirwr•r of the right in reirrstare after urrclera#iarl and the right to assert u rite fareclnsure praceedtn) the nun existence of a default ar nay tether' defense of Borrower to€ereleration and foreclo sure.If the default Is not cured as specified,Loader at it. option txtaY r hire ttnnrediate payment in full or all settle secured by this Srrurity m latrtrtetrtenf without farther demand and rae y ructosc t� Vcurily urns by,judicial proceeding-Leader shalt tee entitled ter collect t+lf a pertses incurred is pursuing the rernedzt,ptrrviied in rhL 5rcrlun including, hart not limited to, attorneys' tees and costs of title evidence to the evteut rn8t"A by Applicable Lacy, 23. ILcfeose•LJIm payment or all�,iensticr�strt ihu tha cc<utity htszrurttrt+t thaw Sccsrsha' hehwhactrt and the estasy cawtvcyed shall telolinaw,;utri taccsrrsae void After Snell<wcurreat0t L.uncfhr sl ell char ttargc. and yeti It this Security ,lnSlrunrcnt f3orrtowc€ shall pay any recordation 'k tSts tXfalot aloe thtgc Iforrt3w r z tee iol releasing this"Sc+eerily Insfru€ncnt,hit only it the rcc is Paid to a third pany tier s?.`tysccs tencicke'c1 fact!the charging of the rc�:i;�pvIAIsittc�l meter Applicable I aw 2d. afy era flurrowur.Ice the uxicnt Pero-titterd by Applicable Law,waivt,s ante nala ctit.s t€ny�alert cA dcrcactw in INUetx;l ds to enforce this security ltc xtttrttcnt;earl hereby waives file benvf1t rte any pres�r u f+cturt laws providing for sUty of cxccunon.c wilsro€€of tune,cxeirrprfon(rain anarh€went,levy and sukr� and homestead exemption. Z5. Reinstatement Perini: fiarrtrwef's time to reinstate provided in Section ;N shall extend tar anc hour print re rile contmenccment of tridelint; a€ :r sheriffs sale or other safe pursuant to this Security Instrument, 26. Purchase donee 1lorlgage It ny of zttu drhr ,ttiu h this fit i errtry htitrurttettt is g of to Borrower to acquire titre to the proficrty tfrt+>;c ttrat has;rvnr ra'Iaald b o pwt ha money moat a w 27. Interest Rate After ludt reheat.f3nrraa+tc f ttttets that tftc tat rest tale payable alter a judgtta t€Is entered oft the}dote of it)tin action of morlg;t),r,tomclusu+e shall tnc the ntte.n.€yablc boot time to tame under the Note. n:nwra; Form 3439 to t BY SIGNING BELOW, BOTTQwer acvcpts and agrees to the tenns and coveniints cootnincd in this Security Instrument and in any Rider executed by I}urrower and recorded WA it. Witnesses: (SLJI} _.. ._._. __....._. (SUM �� -B;arrowz*r ^ (Seal) IScall MARK R HALTER urr iiwcr t (SCM) - (Seal) ..r..P.w. -Sarroun:r �_.. -13t�rnruer (Seal) W ..�._._. (Seal) " -Aorr<rwer Form 3039 VDI �.4(PA){»3 c0?it'1i<'1L14WEAGTti OF PENNSYLVANIA, � f�2X�i'� KL�, county ss: da of Jul 2007 bcforc a rc.the �n this,the 26th Y Y, undersi ncd officer,personally appcared MARK HALTER known to me{or satisfactorily proven) to be the persun(s)whose names)isfate subscribed to the within instrument and acknowledged that hclshclthcy executed the surlw fiat the purposes herein contained. IN WITNC:SS WHEREOF, t hereunto sct my hand and official seal. My Commission Expires: it ,AS�t{4I t f1 3 Y �•�- FB 'a '% aui� NCrtAtiIAtSEAL DlAgvpUBLIC 4 MAURA A,�tEtaKMS ooL�nt t 58t7gC U 0SO,CUMF3ERLAN4 fit) , • AAECHAN t2,2tJkct COµtxtsstat+Ex�tftes aAts• MY Cer•tifkate of Residence do hereby cutify that 1, `Sod'Aw-4 RoO R rsor�t { ,, ct,+w�t«rs,o►( the correct address of the within-named Mortgagee is 1 t y 1 fE�lurc S 43.;LgD• Q,L.Fr day of limes my hand this copes ea m 5a Fflrm 169 tfQt SIPA►006) >, a e m:. ROBERT P. ziiGLER RECORDER OF,DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE. CARLISLE, PA 17013 717-240-6370 Instrument Number 200806639 *Total Pages- 18 Recorded On 3!612008 At 10:02:17 AM •Instrument Type-MORTGAGE Invoice Number- 15740. User ID-MSW •Mortgagor-HALTER,MARK R •Mortgagee-JPMORGAN CHASE BANK N A •Customer- IE IRST.AMERICAN •FEES Certification Page STATE WRIT TAX $0.50 STATE JCS/ACCESS TO $10.00 DO NOT DETACH. JUSTICE RECORDING FEES — $37 .50 RECORDER OF DEEDS This page is noW part AFFORDABLE HOUSING $11.50 of this legal document, COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $64.50 1 Certify this to be recorded in Cumberland County PA RECORDER v D *-information denoted by an asterisk may change during the verification process and may not be reflected on this pagc. MCC III I �I�II�I� ��I �ll l[I� Exhibit "A1" NOTE PA 7t Iy 26, 2007 MECHANICSBURG (tstc] (ou(] [city] 1320 CONCORD RD, MECHANICSB-JRG, Pp� 17050 kt'ri,trany AJJr S$l 1. BORROWER'S PROMISE TO PAY In return for u loa that I have received'l Promise to PaytJ.S. 3 121,004.04{this amount is calked"Princip€sI"1. n Plus interest,to the order of the Lender.The Lender is jpMORGAN CHASTE ]BANK, N.A. I will rnake all Payments under this Note in the km of cash,check or money order. I understand that the Lender may transfer this Note. The Lender or anyone tvho takes this Note by transfer and who is entitled to rcccivc Payments under this Note is called the"Note Holder." 2. 114TEREST Interest will be charged on unpaid pr€ncttaa4 until tltc full aEnnunt of Princtpul tz is tx ctt paid. I w1TI Pay interest at it yc€(rty rate of 6,$75 '/,0. The interest rate required by this Section 2 is the rate I will pay both before and after any defatilt described in Section tr( ) of this Note. 3. PAYNI'ENTS (A)Time and Place of Payments 1 s r11 Ttty prinnipi l and ioler"I by Making 11 p tyrovilttuv ist each th. b£ginning onSeptember 1, 2007 .]cull i will make my nlanthly PtiYrncrlt un th f i St =y maW those pilynroerrts e v(ry 11�srntll until f h.t tc€n nt will be toPplicdT:sl ofdits interest scheduled due date and w Ii bcc Applied b its tittcr£st may owe wider this Nate, r=aeh rnontlily p Y k P �: ,1 still amounts under:his Note,l(vii! !iv those amounts in fail on b tin°c:€f-inc:iPid.If.on AUIL St I r 2013 that date,Which is called tits"NiMurity Utac" I will make my monthly Payments at P,Q. BOX 78420 $5062-$920 oral a different Place if required by the Note Haider. PHOENIX, AZ (B)Amount of Monthly Payments 799.$T3 My monthly Payment w amount be in the mount of t).S. $ 4, BORROWER'S RIGHT TO O PRLPAY I have the fieln to make]r°Iyut4ttls of 11.incip(I it an),to o e Holder they are due.th P€ Lim of g SOn pal only it known its"I "Prc]sayitt(ett," Wht~n t €nr;k�;a PrcPnyrrtellt, t ititkk tcki the f�l(lte Holderrn writing that l am doing so. i €nay not dcsigualc tt ptlynttitt its a l'rePayntcnt if1 have not made all tha€nonthly Puyinr;nts due under the Note. 'The Note I triny make it ullP-PA"ar-onlioftrtiale"I ha(eilto%vclaund r�this Note. H vev£r tile Note Hold rl may 4nPPI my 1Y t'r(Payitrcnfs to m Prepayment to reduce the ptellayttaGnt to tiie averuc,,d and unpaid 411=11 On the m0paymcnt amount. before applying y 116ncip.ti atnourd of Ilia Now- If I lnukv it partial lr tx Ylm:nl.there will be no changes in the duc date or in the amount of Fng nt(lsrihky I;ayrrscril(ailcsa the Note 14010c r ng xtz n writing to those chanties. MMTISTATE FIXED RATE MOTE-SI-to Fum:ly-Fannie WksuiFrudtata M—UNIFORM INSTRUMENT �a-6N;�Wlu GAGE 7tJtY3!3-t&:R€Y241.72{t200s1fG'k Pnga i c15 ! € FS, LOAN CHARGES if n lure.which applies to this loan'Go a which reds nJOKirnnm h}can eh % ,,is iinadly iaaicria+cded"'Al$hill 111V later%I or other loran charges coliect the,to b amount necessary in wilt crcdu € tl)Y clot ri�c to Ito,, Il arlat ltcdllirntt�taardl{t€)t my€sitar atalrejalyt-,Y3lleeted$front shall be reduced by Inc whit:h exceeded permitted limits will he refui)(luI ice an ;�ricc r•Irnc Ifolttesr may chaos)to make tlt}x c tuncl ts}€�hieing the Principal I owe under this Note or by making a direct payment to me.If a refund reduces principal.the reduction will he treatad as a partial prepayment. 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A)Late Charge for Overdue Payments If ttxt Note Holder hill,not received the full amount vF any monthly payment by the end of E E;R=tt(-�a5.000ar%}f after ttrc date it is due,I will pay a late charge to the Note HOl.fir.The amount of the vlutrgo will be ntr nt any overdue payment of principal and interest,I will pay this late charge promptly but only once on caeh]ate pay (B)Default Ir I do not pity the full amount of finch monthly payment on the date it is due.I stilt be in dcfatulI. (C)Notice of Default tier,nulice telling me that if l do not pay tile overdue amount by a if in defalilt.the Natc Holder may send me a wri ecrtnin date, the Note Holder may rcquiac Inc to pay immecdiatelythe full amount of Principal which has not been isaid grad ill! the interest tout I owe on that amount.That date must be at least 30 day`after the date on tvhr,h the notice i mailed to n)e or delivered by other means. (D)No Wulver By Note Holder Even if, at a time when I area in default. tine Note Holder does not require me to pay z Immediately ir) fi€dl aas des: 7"" 10. UNIFORM SECUIMD RIOT This Note is a uniform itrstrumcr€t with limited varintuns in sornc jurisdictinns. I€€addition to the protections giver at the: Note bolder under this Note. a Mortgage, [iced of Trust. or Security Deed(the"sceurity Instru3r ent").doted the starve date is this?dote,protects the Note Holder from possible losses which might result if I do not keep the promises which I make in this Note.That Security Instrument describes I)uNv and under whatt conditions I may be required to make immeditatc payment in full of ull amounts I awe tinder this Note.Some:of those conditions am described as follows: If till or tiny part of the Properry or tiny Interest in the Property is sold or transferred(or if borrower is not a€€asturyl person and;€beneficial interest in Burtvwer is sold or transferred)without Lende es prior written consent, Lender may require immediate payment in full of till sums sccun-A by this Security Instrument. However,titiis option shall not be exercised by Lender if such ex cnise is prohibited by Applicable Low. If Lender exercises this option, Lender shall give Borrower notice of acccicratittr, `tire notice shall provide u period of not less than 30 days from the date the notice is given in lic"Ord"at "with Seetion 15 tvitfri€€wltieh Borrower must pay all sums secured by this Security Instrument,if Borrower fails to pay these ,ems prior to the expiration of this period. Lender may invoke any remedies permitted by this Suvurity Instrument without further notice or demand on Borrower. WITNESS THE HAND(S)AND SEAL(S)OF THU UNDERSIGNGq. P}i f� �s _ (Iiml) tscali _� T . 'l.I K R HALTER -ntrtnctn.+r -Ire+mreer i I� I } .33orccn4nr 1 -33UMh4t'cr pay to the Order of Without RaCOU1`9e f.Sr`,4rt Original(WYJ Jf'Ivt"tin Chase Bank,N.A. }} ?tR NU( t UTTIASSISTANT SECRETARY Form 3200 1101 . -Std{UHriS} re. f I 3 Exhibit "AT' ASSIGNMENT OF MORTGAGE IIIItIIIINIIIIIIIIIII O3QW2 KNOW ALL MEN BY THESE PRESENTS that "JPMorgan Chase Bank, N.A." hereinafter "Assignor" the holder of the Mortgage hereinafter mentioned, for and in consideration of the sum of ONE DOLLAR ($1.00) lawful money unto it in hand paid by CHASE HOME FINANCE LLC, "Assignee," the receipt whereof is acknowledged, has granted, bargained, sold, assigned, transferred and set over unto the said Assignee, its successors and assigns, ALL THAT CERTAIN Indenture of Mortgage given and executed by MARK R.HALTER to JPMORGAN CHASE BANK,N.A.,bearing the date 07/26/2007,in the amount of$121,000.00,said Mortgage being recorded on 03/06/2008 in the County of CUMBERLAND,Commonwealth of Pennsylvania, in Mortgage Instrument No.200806639. Being Known as.Premises: 1320 CONCORD ROAD,MECHANICSBURG,PA 17050-1958 Parcel No: 10-16-1064-054 The transfer of the mortgage and accompanying rights was effective at the time the loan was sold and consideration passed to the Assignor.This assignment is solely intended to describe the instrument sold in a manner sufficient to put third parties on public notice of what has been sold. Together with all Rights, Remedies and incidents thereunto belonging. And all its Right, Title, Interest, Property, Claim and Demand,in and to the same: TO HAVE,HOLD,RECEIVE AND TAKE,all and singular the hereditaments and premises granted and assigned,or mentioned and intended so to be,with the appurtenances unto Assignee,its successors acid assigns,to and for its only proper use,benefit and behoof forever; subject, nevertheless, to the equity of redemption of said Mortgagor in the said Indenture of Mortgage named, and his/her/their heirs and assigns therein. IN WITNESS WHEREOF, the said"Assignor" has caused its Corporate Seal to be herein affixed and these presents to be duly executed by its proper officers this I`day of February,2011. JPMorgan Chase Bank,N.A., by and through its Attorney in Fact, Phelan Hallinanj4 Schmieg,LLP BY" . s - Sealed and Delivered Judit Partner in the presence of us; *Power of Attorney recorded in(:hlMBI, .AN'I)County in Instrument 9200901287 State of Pennsylvania ss. County of Philadelphia On this I" day of February, 2011, before me, the subscriber, personally appeared ,Judith T. Romano, who acknowledged herself to be the Partner of JPMorgan Chase Bank, N.A., by and through its Attorney in Fact, Phelan Hallinan& Schmieg, LLP, and that she, as such Partner,being authorized to do so, executed the foregoing instrument for the purposes therein contained. 1mmUN WEALTH OF PL•"NNSYWARIA IN WITNESS WHEREOF,I hereunto set m hand Auld official sea]. T Y NOTARIAL SEAL EUGENE JASKIEWICZ,Notary Public City of Philadelphia,Phila.Count My Commission Expires August 13, 1012 n. ---- ---_. ---- Stamp/Seal: $ Notary Public The precise address of the within named After recording return to: Assignee is: Phelan Hallinan&Schmieg,LLP 3415 VISION DRIVE 1617.TFK Boulevard,Suite 1400 January 30,2011 COLUMBUS,01143219 One Penn Center Plaza Document Execution lIy _ Philadelphia,PA 19103 1820345658 or Assignee) PHS 4 262841 All that certain property situated in the Township of Hampden, in the County of Cumberland, Commonwealth of Pennsylvania, and being described as follows: 10-16-1064-054. Being more fully described in a deed dated March 21, 2001 and recorded April. 3, 2001, among the land records of the County and State set forth above, in Deed Volume 242 and Page 41. Permanent Parcel Number: 10-16-1064-054 MARK R. HALTER AND MICHELE A. HALTER, HUSBAND AND WIFE 1320 CONCORD RD, MECHANICSBURG PA 17050 Loan Reference Number : First American Order No: Identifier: FIRST AMERICAN LENDERS ADVANTAGE ROBERT P. ZIEGLER RECORDER OF DEEDS , CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 i 717-240-6370 Instrument Number-201107231 Recorded On 3/4/2011 At 11:43:27 AM *Total Pages-3 •Instrument Type-ASSIGNMENT OF MORTGAGE Invoice Number-83182 User ID -KW •Mortgagor-HALTER,MARK R •Mortgagee-CHASE HOME FINANCE LLC •Customer-JAM TRANSFER *FEES STATE WRIT TAX $0.50 Certification Page STATE JCS/ACCESS TO $23.50 JUSTICE DO NOT DETACH RECORDING FEES - $11.50 RECORDER OF DEEDS This page is now part PARCEL CERTIFICATION $10.00 FEES of this legal document. COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $50.50 I Certify this to be recorded in Cumberland County PA aV cu y�$ RECORDER O D EDS *-Information denoted by an asterisk may change during the verification process and may not be reflected on this page. 003QW2 t III III III IIIIIIIII I ()III EXHIBIT 44A3 " SE(.'RT,',TARN-S CERTIFICATE [, t,wren Fi '.ri';'7, 'wi Assistant Sct:rwnq of SI Morgan Cllase Bank, `:I.Ai i, 1 hiiS4 )_ 1ie:ie c rt 1ieh to fi}Ehw y in cotmembn r,1h the merger of Close fhmne Finance e I..I:V U-no M'etJC{Ian dose Bank,AtAmin] eflectiv: Nf,ty (. 201 L i. .tl to c !<iic,rXv a fIrtivaL, required in connection t ,(h the above-refercnced mer_ ,r 4'Iie zittac€i<ci i a MGM C.t� czI the C;ei titivate Of ialerger merging Claw .-onie iil� tine [J-(, arici an ('ha,se flank. Nationat A sticiJ.60(1 f I:`a W May 2. 2011 Fly: G,- A vmvrt' I 'Vie ' irst State 1, 7 FF '. P LLOCK, SECRETARY OF STATE OF THE ST'A'TE OF Z3 Do JTE- X, Y CERTIFY TRE AT"T"ACHED IS A TRUE AND CORRECT Copy OF THE C RTI rTCA'T OP O-E- , WHICH MERGES: "CII S , `1N CP LLC", A DELAPIA.R9 LIMITED LT LrTl'Y 'i:''n -:qtr !X D ",TPMORG CHASE , NATIONAL ASSOCIATION" " OSC SE RANK, MATT. ASSOCIATION", CORP07,Z1TIO ORGANIZED AND JITST'TINC C7NSrER THE LAW.", Off' THF COUNTRY ,SeA7%"-S, AS RECEIVED AMD FILED TIJ TyrS Orr!'CE 7"Tir,; Y�ST;VENT"TH DAy Or ApPIL,, A.D. 2011, AT 6. C74 O'CTLOC€I r�M, ATei; i Ls�I Y FrMT" Eft CRRT'.1T*Y TEA T E T~r"�r. �°`.T t?A7 Or 7 7 AFORESAID CFRT"TF ,AT".�; 02* RC;Z IS T 1"�RS L�A� �3�° MAY, 0111 AT 12,'02 O'CLOCK A.F . a � � )stir Su�t� tr 87236`4,5 y:E,;,4{I.38 0 9 04. 28-15 ,`-',P':atr•• of '> azsrra.n., S 7rotary of SOW Division of CbrrC wt nns Del oynd 05:0." ilk 041271201" r,7r ,r, 05.04 "M 0 412 712 01 1 PP7 110413889 - 3882786 TINT `,YM.OF DTy'..ly,ry�{1��'p,1�p�`dp.gE�R1$3pC��4p€y�'�, TF,t'y.�F[ NIER€ E O ESd,aw.rrr'Lhaiw d LNbil , CAmp a") ,3 `MUIntrAN CHASE SE BANK, T}{'1'If"):NAL ASSOCIATION N (a na9_WA Ilxti kMg ass"{a on uixa€a nd uW10' ttt,c IXsNs {rf'tfte E'r ked States of Alit riaa} Pt! 'r,'. u 1 1a t °.....E} n i SOW of to Wa 0.Ere 1 it'}aed f_.; 4r'HA ' .""D and ftl r`eax.9Y1'L (r, of i;: Uni-"cCI thc't€ndQ sig'', d r'tzaC n'.! :ht2 o km x @ t no K ut,{:r Maycr, 11 R M ;f1e name of His s0(' h inn K10ty is WbAorgan Cost Bank National s\554 c;tattctii. a Serb( na] W,1 NY ai..Stlt;i'mon ttircmand arle C"'istin um'ler chc laws O£ the t'nilcd Siatacs of ..a cri;:at and the ruttric of We t;tilAS IS SAY ttit skirviving emby .s C'h,:,e MY; Fkamc LIuC',a Dela3hatre lirlited'iiability cornpanl SECX)ND. 11 ✓ Phrt b ill AL_Teuncrii of`vier, ear has been approved, ajupt,d. ccailied. fEilt:1 rift" .�'�b'.'t.( !' . b; each ,:7f he Ct.78is.l uent e autos nc carin of trie `ii_trywing,ti['i i11 lP�{ 1frt d?rl f..l€ti C ._t1 fitj Cizt i a [,—u �.r€ d 4c-..�,ul at7at,a;llilt EDi1 t}r�!..I"tr't7t'I and CXXItsebt ti. ;,ii1�V On .i"'E of I h!'.CCI Sow, .,, _. o,i FM:1ATH: .H,C{ .,,qe, of €iM&1rW n C;lr,LSe R t v, Nailno Mmnw rt :;iWH W(RI MW .0 th". .I"a kC L'r c D r°lC' ¢"r t4 r',`-.' cnt'rty 111'"H: ,tic yer is t o 1:,ernn e:ar .,'_ 02 '\,%I on rvlav 1. 2011 sI y, 1 ?D I no PW and Agnerriew ;it f4lt y,, is {,u Fie al 104 .Ilia odMunue S{7 ak 10% Non law y 08844 Pima of t I[£',. of C`Z ht Q 4iF [it, ri LLJVY OFT! Plan and A fe'nTorn W MC"'rf_`& W be it} Ikttaflttt Q the s,avkmy cmif t1nm request tilt sand wah of cost, tar M, Cionivsttt' hn1 :tc'� iiaobit"� ;;tivl`iirt v or w. pc'r?oa noWing an 11im , in 'utly mlxr LAWncss{'Milt raft i is to rouge at EIC4HM: Mrx"r m C:hme Nam kl N.rt ona1 that li may Ili'ben"J 44iI p'"D Vn M In,,� Or g t(A' ;ati}' ;l";il ii,::'R o!'itcny tf:ltllc tit hrniwd t`,:ibibty company which . o me„rk'.t t _tt;;at'�tci<iLt7, inovilc hij a 1pIi.:'tiYilkg Ow Dc i'c.\v; ., Of '-itiltE; as ir^i lac ili ia:) 'Cctp _c.t,Ve ptycey in yo stia:h `iCC&i1, °,illt iw p1C mcd!r;d', and sIxc,Ms shat a tX 1}1.` 0010' the IN WITNESS Wz1F$tEO ,saic.i Surviving cnrity has causc O this c:°rttficatc. w be sighed t y as:y.,,tt. r,rire i offi;:er thi,271 clay of'April, 20 i 1. 311M C?IWA N i<`F-A S k.-' BANK IN A'( (U 1'A L A S S OC I A t 101\1 f f E_ tii.il V, llaui,5, Viet; EST., i,,Jt lt, E+ ,,axrhibit "B" IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA JPMORGAN CHASE BANK, COURT OF COMMON PLEAS NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO CIVIL DIVISION CHASE HOME FINANCE,LLC 1111 POLARIS PARKWAY CUMBERLAND COUNTY COLUMBUS,OH 43240 NO. 13-3557 Plaintiff VS. MARK R.HALTER A/K/A MARK RICHARD HALTER 1320 CONCORD ROAD MECHANICSBURG,PA 17050-1958 Defendant AFFIDAVIT naA►�ul< tc��,;r15 , being first duly sworn on oath, deposes and states as follows: 1. I am authorized to execute this affidavit on behalf of JPMorgan Chase Bank, National Association ("Chase"). The statements made in this Affidavit are based on my personal knowledge. 2. In my capacity as Vice President , I have access to Chase's business records, including the business records for and relating to the account that forms the basis of this foreclosure action. These records include the historic records of Chase Home Finance LLC, which merged with Chase effective May 1, 2011. I make this affidavit based upon my review of those records and from my own personal knowledge of how they are kept and maintained. The loan records are maintained by Chase in the course of its regularly conducted business activities and are made at or near the time of the event, by or from information transmitted by a person with knowledge. File Name:MARK R.HALTER A/K/A MARK RICHARD HALTER PH#756674 3. I reviewed Chase's business records, and I relied upon these records for the statements made in this Affidavit, which include but are not limited to the Mortgage, Note, and Chase's electronic servicing system. True and correct copies of the Mortgage and Note are attached hereto. 4. By letter dated 11/05/2010, a Notice of Homeowner Emergency Assistance ("Notice") was sent to Defendant as required pursuant to Pennsylvania law. The Notice is a business record of Chase, maintained in the regular course of business. I make this affidavit based upon my review of that record relating to the Defendant's loan and, from my personal knowledge of how it is kept and maintained. The Notice is maintained by Chase in the course of its regularly conducted business activities and is made at or near the time of the event, by or from information transmitted by a person with knowledge. A true and correct copy of the Notice is attached hereto. 5. The date of the mortgage is 07/26/2007 for the property located at 1320 CONCORD ROAD, MECHANICSBURG, PA 17050-1958. Chase is the mortgagee and the servicer of the loan. An Assignment of Mortgage was recorded on 03/04/2011, and a true and correct copy is attached hereto. 6. The subject Mortgage is in default under the terms of the loan documents and the default has not been cured, making the entire balance due pursuant to the terms of the loan clnec� hcm�ro is Q cogq o�ri'k Pymffv�b 54ory gevrmr CA documents. �cc�r�5 c>�- tVLAwAZL 5erv`kOfvj 6V401- � 7. As a result of the default, the amounts due as of la) ao13 ,exclusive of attorneys fees and costs, are as follows: Principal Balance $ .35 Interest due from 5)011';)010 through $ H1901. lip 11 13o ao13 at to,'875 % Accrued Late Charges $ a-32- 4 Escrow File Name:MARK R.HALTER A/K/A MARK RICHARD HALTER PH#756674 Escrow Deficiency—Real Estate Taxes for the ear o"o 13 Escrow Deficiency—Real Estate Taxes for the years la $ ��d�17•Dl� Escrow Deficiency—Real Estate Taxesforthe ear JVtl $ 10. 5 S of.Qrev wu5 �c 5— Hazard Insurance $ 1,x(29,00 Mortgage Insurance Premium/ Private Mortgage Insurance $ D( 60 Credits $ o 1.a3 Total Escrow $ 7, (o .oq Broker's Price Opinion/Appraisals $ 1)(DO Property Preservation $ 510100 Property Inspections $ ?q,41 00 Suspense $D,pv File Name:MARK R.HALTER A/K/A MARK RICHARD HALTER PH#756674 Miscellaneous Charges/Credits as Follows: $ 0100 $ D,0O $ 6,00 TOTAL $ 154) 070,x3 JPMorgan Chase Bank,NA State of. I e X a S I/' County of.1 G�( Ck-S BY: M/i r 6 Affian : Jonathan W. Hudgins Subscribed and sworn to before me Vice President this oY"4 day of >W. , 2013, by Date: 1910,31 9013 cJonaE-►�� UV• �ud�t i ns Notary/Public WIP State of 2x�S LYNDA DENISE MARSHALL My Commission Expires My Commission expires: (,P-,'46 � c June 20,2015 's q;e or EXH ca Personally Known X OR Produced Identification — Type of Identification Produced: File Name:MARK R.HALTER A/K/A MARK RICHARD HALTER PH#756674 Exhibit "C" Y r' • N O • Ct8 • W CL • ■ • ■ •i% Q co [" LO ■ C6 � r IX3 lt7 C''3 • : � C] € Q d 0 cO r fL? ca U} m 3 r U) rte- co c7 R 1n tfJ _ r LO • : O 0 CL C W C ai • Lll I1J W Z : U) a1d mm a" � w W : w t11 tL Q Q Z . to CCL CSC.. � w L, o _ cec dlJ • a a O Q d a. G C) C? « cg u3 Q Q O v) O as ; "L Q: ca o: oL ° Ca CL CL (Y- C. 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O: p O O V: O O O O N C�C2 1 tU: ={ Q p: r,. tsi: N O : M O' M N 'v `_; iD r O: C° C) N r : cio to: a` ; as i 00 U": r tt►: t- en Ui �• 'C3 ■ �C3 U ; z Z ■ ® Q c tcq a N ■ ° a) as Lit ■ 0 ti p i Mcl) o i CN�, ■ c , ■ ■ {U a CD tCe gw u? i � 5 e CQ '� � 00 Cl) W i s CD (A � ■ � c cu LD C$ s Cr- (n e f#3 y,U w LL L LL Q z N j lt1 C A� � O) o Q ■ N ++ : (.� C C4 LU 0 c W f? a Q` C�; s C� s C2 �? i Ste- r 117 ■ � Q � a s 'L3 . CL s 7+ , V rs h- #5... j L s � ® LU cv i ■ ■ r■ a cs : o C) ■ � s CO ■ LO s t- ■ RS t0 � � • � � �. C:y r: tD O CY N Or Q -^p 0 v ■ CL �", {� Q ■ G �D Exhibit "D" CHASE Chase Home Finance LLC(FL5-7734) po BOX 44090 Jack5onviIIU,FL 32231-4090 7107 8381 6540 5266 4476 Novernber 5,2010 9-746-51540-0001445-001-01 1.00MOO-000 MARK R HALTER 1320 CONCORD RD MECHANICSBURG PA 17050-1958 Your house is your home.We want to keep it that way. We need to talk—call(800) 848-9380 today. You're going through tough times-we can help.in fact,we believeyour houee loan may be eligible for a loan workout--we may be able to change the terms of your loan, including the interest rate,to reduce the monthly payment to all amount you can afford. Call us today at(800)848-9384 so we can help you turn things around. We'll discuss your current situation(outlined in the enclosed letter) and the options available to you. But we cannot stress enough that the longer you delay calling us-the fewer chances you may have to keep your home. it will only take a few minutes on the phone-one of our Loan Specialists will work with you to detennine the option that hest tits your needs.There are several options available-call us now and lct's set:which one will work best for you. We are committed to working with you to find a way to help you keep your honjebut you must call -the longer you delay the fewer options you may have. us immediately at(800)848-9380- Collections Department. Chase Moir€e Finance LLC (800)848-9380 (800)552-0542 Ti: D f Text Telephone P,S.The enclosed letter outlines your loan status andthe consequences that will occur unless we receive flee€etluired financial information from you and can approve you for a loan NyorkouC once you call us with the information needed,then we can Mork together to determine the option that will work best for yosl. We cannot guarantee that you will be approved,but your only chance a €vins you; laor:ae is y contacting yes h mediateiv. Please don'tdclay- -Cali to now at(80()) 848-9380. YCL.l l`i`M Chase Home Finance LLC(FL.5-7734) CHASEO po BOX 44090 jacksonvilie,FL 32231-4090 November 5,2010 MARK R HALTER 1320 CONCORD RD MECHANICSBURG PA 17050-1958 (Notice of intent to Foreclose) Account. —S (Ithe Loan") Property Address- 131-0 CONCORD RD MECHANICSBURGI PA 17050(the"Property' Dear MARK R HALTER: ACT 91 NOTICE TAKE DTI TO SAVE -"'y'r.OUR HOME FROM FORECLOSURE I ur home is i i default and the tided er This, is an official No It icCthal the Do I i e on yo Is itut efault is rov in intends to foreclose. N i-1 ecific informa t ion about the nature of the the attached EN C EN oRl!UAGE ASSISIANC, haw jhtjro ir home. This Notice c.xplains _Jjjral1l 14ENI I in: be able to I to save voi CDIT 1411;tE '3311 vAYS 0ITTiff,DATE OF amigim oil meet with the Coullselinp, AgenCV. The name address and lione number of(.'.011sumer Credit Counseli'll- A 11yellcies servi t,-' P- (1, �%� oull 11 untN, are listed at the end of this Notice. if on have any UCS6011S 'Oil in your Co—u—n —V t It free at 81010 34L 39 . 'Persons With the pennsvlvania I'lousin �Fjnan�(:�A- �ency 7171 789--18l9.1 This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area.ille local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO CIE ESTA NOTIFICACION O TENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO A ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PAR.A UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNE .S' EMERGENCY MORTGAGE ASSISTANCE PROGRAM." EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S). MARK R HALTER PROPERTY ADDRESS: 1320 CONCORD RD MECHANICSBURG.PA 1-1050 LOAN ACCT. N UMBER: ORIGINAL LENDER: ^"'�RCJAITTIJASE BAND NA CURRENT LENDER,%SER`1ICER: Chase Home Finance LLC HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM � ) M;�'BF F I I � B f F(}R FINA'�I IAL �IS7 ANC1E WHICH CAN SAYE YOUR HOME FROM FOR>1CLO;SURE AND HELP YOU MA!jf FIJTt?RE_NN 1OR'I"C,A1GGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNERS' EMERGENCY MOR'T'GAGE ASSISTANCE ACT OF 1983('T'HE"ACT"),YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE, • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT"OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS,AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE—finder the Act,you are entitled to a temporary stay of foreclosure on your mortgage for thirty(30)days from the date of this Notice(}plus three i:3.1 days for mailing). During that time;you must arrange and attend a"face-to-face"meeting with one of the Consumer Credit Counseling Agencies listed at the end of this Node e 'I` l��a EETNG M125 t&L rR W TI N t":1441MRCi1r C"l` ?lt l l`( rlf.�l.Fp `�SI:�;'I"�1N( l; YOU I��IUST BRINU YOUR MOIt`I`C:AOF UP TO DATE _y 1i T�_. C3 r Y01'R Mt? tT AC" JP TO DA"I I . �ciT. c R C RI{DI`C C=OL` $ * A('.l'NCt E"s -If you meet with one of the Consumer Credit �...(2N Counseling Agencies listed at the end of this Notice,the lender may NOT take action against you for thirty(3 days after the date of this nrceting. Ss g t i � � x �' 'r rt v. t� $' rt; y . .� f s only necessary to schedule one face-to-face.meeting.Advise your lendcimrncdiat of your intentions. 1 APPI,IC.:4"1''ICY I S k10RTGA_,,- ;AS`-I` l r1 � -, Ynur mortga�u is i��default t:c�i tl�� re<aSo�3s set forth later in this Notice(see following pages for specific inforrnaiion about the nature of your default), You have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Program("HEMAP").To do so,you must 2311 out,sign,and tile.a completed HEMAP application with one of the designated Consumer Credit Counseling Agencies listed at the end of this Notice. Only Consumer Credit Counseling Agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency.To temporarily stop the lender from filing a foreclosure action,your application MUST be forwarded to Pennsylvania Housing Finance Agency ("PHI'A")and received within thirty(30)days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION A,S S QNAaZQaLjBLE.IF YOU HAVE A MEETING WITH A COUNSEI.,ING AGENCY WITHIN THIRTY-THREE(33)DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH THE PHFA W11-HIN THIRTY (30)DAYS OF THAT MEETING,THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSttRI ACTION AGAINST YOUR PROPERTY,AS EXPLAINED ABOVE,IN TIIE SECTION CALLED*'TEiMPORA.RY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO PILE A HEMAP APPLICA RI 1uVEN 13I:YLlN6}THEME TIl`vti;> PERIODS.A LATE APPLICATION STILL NOT PREVI'1` T,i HE LENDER FROM STARTING A FORECLOSURE ACTION,BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE,THE FORECLOSURE WILL BE STOPPED, AGENCY ACTION- Available funds for emergency mortgage assistance are very limited.They will be disbursed by the Agency under the eligibility criter is established by the Act.The Pennsylvania(lousing Finance Agency has sixty( 60)days to rna e a decision after it receives your application. During that time,no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania(lousing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETI'T'ION IN BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOUI.ID NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If yatt have Bled bankruptcy,vOt'can still apply for t:m rgency M ortgage Assistance.) Off' TO CURE YOUR MORTGAGE TGAGE ]DEFAULT (bring it up to date). NA pg TIIL 12 EFA L I". The:Mortgage debt held by the above lender on your Property located at: 1320 CONCORD RD,MECHANICSBURG,PA 17050 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAY MEN1 S starting 06/01/2010 through 11/05/2010,and the following amounts are now Past due. If you have any questions about the amounts below,please contact us as soon as possible at (800)848-9380, "l'otal Monthly Payments Past Due: $5,855.58 Late.Charges: $198.-T l.nsufficient Funds(NSF)l=ees: S0.00 Other Fees and Advances"`: S2&00 Amount held in Suspense: W00 "I'{: TAL AMOUNT DUE TO C U:RE DI`FNUL f : $6,082,218 *Other Fees and Advances inclUde those amounts allowed by vourf Note(rnd.Security Instrument. If you need additional infc)rniation regarding any c?f these:amounts,please contact us at the number provided below HOW TO CURE THE DEFAULT—.You may cure the default within THIRTY(30)DAYS of the date of n this l`once BY PAYING THE TOTAL AMOUNT PAST DUE TO THE I_,I NDER,WHICH I $6,082.28,PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH.BECOME DUE DtiRL�ICJ THE THIRTY(30)-DAY PERIOD. Pa meats must be made in the form of cash cashier's check, Inone.�,r order or ccr(�fied check Inct sent to Regular Mail, Chase Horne Finance LLC 110 BOX 78420 Phoenix,AZ 85062-8420 Ovemight Mail: Chase Home Finance LLC Attention PO BOX 78420 1820 East Sky Harbor Circle South Phoenix;AZ 85034-9700 IF YOU DO NOT CUR.I THE DI!`,FAULT--If you do not cure the default within THIRTY(30)DAYS of the date of this'Votiee,ttre 0cudt*r ntLds to exe,rcase its ri phts t4s<tarcl€ratc tits rrtc►rt a c defatiTlris means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payarae•I7t of the total amount past due is not made within THIRTY(30).BAYS,the lender also intends to instruct its attorneys to start legal action to foreclose upon your martpa ed Pro (_rtv iF rIlF IN'IU—MCAU IS O E.CLgaLQ[P()N–_The mortgaged Propetty will be sold by the sheriff to pay off the mortgage debt.If the lender refers your case to its attorneys,but you cure the delinquency before the lender begins legal proceedings against you,you will still be required to pay the reasonable attorney fees that were actually incurred,up to$50.f}0. however, if legal proceedings are started against you,you will have to pay all reasonable attorney fees actually incurred by the lender even if they exceed$50.00.Any attorney fees will be added to the amount you owe the lender,which may also include other reasonable costs. It you TIt IRTN 3ti �tJA4'" aeriod vour ill not I)e r« uircd to p a 'attorney fees. I'I'I L FNDLR A,EDIT--The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RfGH`r'TO CURE THE DEI+AIILT PRIOR TO Si#} RIFFS SAI,E°W If you have not cured the default within the THIRTY(30)-DAY period and foreclosure proceedings have begunLQI still have the ' t to l ire bel _, c ri f° Sal-_You s I y � r� t t d liw i � r - a.rr•� lt,- t . .c. . ., , toli� f��' d �:f>sts connected v tle the tutee-Itasuale stile: grad,3a criher costs conrlec�ted with the Shcrift"s Sale as ti.eeitird in der eCuring your default in the manner setyforth tau this Notice viii restcare your mortgage to the same position as if you had never defaulted. --It is estimated that the earliest date that such a sltcriff's gale of'tl�e mortgaged Property could be held would bat}aproxituately rive to six(5-fr)tnuatlths from the date=of this Notice A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course,the amount needed to cure the default will increase the longer you wait. You may fund out at any tirne exactly what the required}payment or action will be by contacting the lender. I10NN,'To CONTAC`1'"1 HE LENDER Wane of Lender: Chase Home Finance 1.11.,C Address: Mail Cade OH4-7356 3415 Vision Drive Columbus,OH 43219-6009 Phone weber*. (800)848-9380 Fax Number: (614)422-7912 Contact Person: Justin Powell-Wilburn E-mail Address: Justitl.L.Powell-Mlilburnticuchase.corn EEC �1�R1 �'; 4AI�E—you should realize that a Sheriff's Sale will end your ownership of the F ' mortgaged Propert and your right to occupy it. If you continue to live in the Property after the sheriff s sale,a y lawsuit to remove you and your furnishings and€rther belongings could be.started by the lender at any time. Aaa I 1"�_�i Oj`N'1ORTCLAjGE.—You might be eligible to sell or transfer your hone to a buyer or transferee who will assume the mortgage debt,provided that all the outstanding payments,charges,and attorney's fees and costs are paid prior to or at the sale,and that the other requirements of the mortgage are satisfied.To determine eligibility,you must contact our office to verify the asstrmability oI'your Property. YOU 14'1AY ALSO HAVE THE RIGHT. TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEIST OR 1"O BORROW NIONE.Y FROM ANOTHI.R.LENDING INSTITUTION TO PAY OF THIS DFBT. TO HAVE THIS DEFAULT CURED BY ANY'THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE'THE MORTGAGE RESTORI D TO I HE SAMEPOSITION AS IF NO DEFAULT HAD OCCURRED,IF YOU CURIE THE DEFAULT, JIOWEVLIR,YOU DO NOT HAVE THIS RIGHT "TO CURE YOUR DIEFAUI,T MORE THAN"I'IIItEE TIMES IN ANY CALENDr>,R. YEAR..) "TO ASSERT•THE,NONEXISTENCE OF A DEFAULT IN ANY FORECLOSL?RE PROCEEDING OR ANY OTHER LAWSUIT INST'I'TUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY RAVE TO SUCH ACTION BY THF." LENDER. « TO SEEK PROTECTION UNDER THE FEDEIZ.AL BANKRUPTCY LAS`, Sincerely, Collections Department Chase Home Finance LLC (800)948-9380 (800) 582-0542 TDD/Text Telephone l nci>sures 1. cLhn-a1"l'rad C,)rnrTrissiort Pamphlet 2. 111,"M AP Cotr jrr)jcr Credit C'ounseiin Agesrcies :4. I-1c;tr eowne."s AssisUamr e Brochuxe CERTIFIED MAIL.Return Receipt.Requested and First Class:'Mail An important reminder for all our customers: As stated in the"Questions and Answers for Borrowers about the Homeowner Affordability and Stability Plan"distributed by the Obama Administration, "Borrowers should beware of any organization that attempts to charge a fee for housing counseling or modification of a delinquent loan,especially if they require a fee in advance." Loan modification scams should be reported to PreventLoanScams.org,or by calling(888)995-HOPE. Chase offers loan modification assistance free of charge(i.e.,no modification fee required). Please call us immediately at (800)848-9380 to discuss your options. The longer you delay the fewer options you may have. Chase Hoare Finance LLC is a debt collector. BR860 HUD COUNSELING AGENCIES -PENNSYLVANIA 'AGENCIES PHONE ADDRESS Ct�'t �P txtlitltw Ali ui a 15001 CCCS of Western PA 888-511-2227 524 Franklin Avenue Beaver 15009 Housin t:1 orh—ities of Beaver Count 724-728-7511 320 C ollege Avenue Unit 1 Beaver 15010 Housin C? orh1nittes ai Beaver Courrt ,Inc 724-728-7511 282 East End Avenue Homestead 15120 Mon Valley Initiative 412-464-4000 303-305 E 8th Avenue 2403 Sidney Street River Park Pittsburgh 15203 CCCS of Western PA 888-511-2227 Commons -t 41 - 1- 4 _ u P Neighborworks Western PA, 412-281-9773 710 5th Avenue-Suite 1000 Pittsburgh 15219 forl-narlyNei2bborhood Housing Services Inc } it 1 20 N• c 412-371-?7UU 9Q0 Rebscca Avenue Pittsbur h 15221 Three Rivers Center for rode endent Livin 15222 Fair Housing Partnership of Greater 412-391-2535 2840 Liberty Avenue-Suite 205 Pittsburgh Pittsbur h Inc. Pittsbur h 15222 Urban Lea ue Pitts of Greater bur It 412 227-4163 610 Wood Street Pittsburgh 15224 Garfield Jubilee Associates 412-665-5200 5138 Penn Avenue Pittsbur h 15224 Nazareth Housin Sr'rt+iee8 412-931-6996 301 Bellevue Road Washin ton 15301 CCCS of Western PA 888-511-2227 41 E Chestnut Street Communit Action Southwest 724-255-9550 150 W Beau Street$uite 304 Washin ton 15301 Southwestern PA Le at Services, 800-846.0871 10 W Cher Aon Street Central Office) Washin 15370 Southwestern PA Le ai Services,inc 800-846-Q871 63 S Washington Street Uniontown 15401 Fa ette Count (Irimmunity Action A one 724-437-6050 140 N Beeson Avenue Somerset 15501 Southwestern PA Le al Services Inc 800-846 0871 132 E Catherine,,Street Greensbur 15601 CCCS of western PA 888-511-2227,,,_ 1 North late S uare 15601 724-834-12ue Greensbur Westmoreland Comtnunit 60 226 S Maple Aven Action _ 15701 Indiana County CommunityAction Program, 724-465-2657 827 Water Street P.O.Box 187 Indiana Inc. The NCIftCAM rou 814-948 4444 4`200 Crawford Avenua Suite 2UU Northe€n Cambri 15714 Em oriurn 15834 Northern Tier Cornmunit Action GO')oration 814-486 1161 135 W 4th Street 164tH CCCS of -511-2227 112 Holl wood Drive-Suite 1G1 Butler rn 8 Butlsr 16001 Housin Author! OtButter Count 724.2E37 6797 114 b^f000 Drive Lawrence Goun Social Services,inc. 724-458 7258 241 W Grent$treat g.O.Bax 189 NeFaCelltle 1fi121 5h<nan o lralle Urban Lea ue 724-981-5310 601 Indiana Avenue SOQ-315-2?_27 734 51 ambau h Avenue Sharon 16146 CCCS of the Midwest 1614fi Community Action Partnership of Mercer 724-342-6222 75 S Dock Street Sharon Count Kittannin 16241 Arnrstrcrn Count Cotnmunit Action A t:n+� 724-548-3405 124 Armsdals Road-Suite 211 CCCS of western PA 814-337-8450 312 Chestnut Street-Suite 227 Meadville 16335 814-337-8450 213 W Center Street Meadville 16385 Center for FamlI V Services Inc. 1209 Pennsylvania Avenue W P.O. 16365 400 1Narrsn Warren Forest Counties EdC 814-726-2 Box 547 - 1 14-4 0-4 1 1 W treel Eri tyre ri ont I A t n Eris 16543 Hooker T.Washington 814-453 5744 1720 Holland Street 16503 Saint Marlin Center inc. 814-4 Erie 52-6113 1701 Parade Street Lne _ 16503 Voices for In0a entlance-. 814-874-0064 1107 Payne Avenue 16507 814-459-2761 _ 312 Chestnut Street _ Erie Ba front Nato Inc i fw s i1- '.7 - 2100 6th Avenue-Suite 102 P.10.So Altoona 16602 Blair County Community Action Agency 814-946 3651 1£334 917 A Logan Boulevard RoyallRema Altoona 16602 CCCS of Western H4 s88-511-2227 Plaza --— state Calleoe S 168p1 CCCS of Northeastern H6 1314.2§fi-3£88 202 W Hamilton Avenue Wellsboro 1$901 The Trehab Center of martheastern PA 570724-5252 144 E East Avenue Har€istrurca 17101 Penns Ivania Housin Finance A enc 717-780-3907 211 N Front StreuT 17110 $�S A-511-2227 ZUOfl t_ira rawrll'�sad Harrisburg CCCS of Westert�t PA 17110 Fair housing Council of the Capital Region, 717-238 854Q 2100 V 6th Street Nanisburg Inc. Harrisbur 17110 L,oveshl a Inc. 71 717 231.217 2320 N 5th Street 17110 "` '+-7�+U�94U 211 N f=ror�t atroet Ha€risbur PHFA - �_- Watibra€x 17268 1z1 I-T#i2.32'#35 43 I=httedet his 7tanne Moranatha Dallastovrn - 17313 CCCS of Western 888-511-222;7 ray CiUr-I_Hiii Road 17375 Adams Count inter-faWr Housin Auttml it 717-334 1518 X40 E H€cth Street t�stt sl�rct ..w,- American Red Cross-Hanover Chapter 717.6:37-;3713£3 629ariiste Street Hanover In Housin Alliance of York 7 1 7 41154-14i41 .35 5 Duke Street York ortunit Inc. 717-424-3;AS 301 E MarketStreet York SACA Devel meat Car 717-399.4792 453 5 Lkne Street 4nitc>£3 Lancaster 717-392-5467 447 S Prince Street Lancaster Base,inc. Lancaster Tabor Cammuni Services Inc. 717-397-5182 Stitt E Kin Street CCCS of Northeasfern PA 570-323-6627 ml Basin Street Suite 600 Williamsport 17701 Lycoming-Canton Counties Cumrntssion for 570-326-0587 2138 Lincoln Street P.O.Box 3568 Wiliiarnspart 117763 Commun' Action Sunbury 17801 CCCS of Northeasfern PA 800-922-9537 217 S Center Stree# Blaarnsbur 17815 CCCS of Northeastern PA 800-922-9537 702 Sawmill 12aad Schuylkill Communit Action 570-622-1995 225 N Centre Street Pottsville 17901 Community Action Committee of Lehigh 610-691.5620 1337 E 5th Street Bethlehem 18015 Valle t Inc. 5 Bethlaharn 18018 El Shaddal Bethlehem Ministries 610-625-3500 X29 E Broad Street CCCS of Lehigh.Valley,A Division of MMI 800-220-2733 306 Spring Carden Street Easton 18042 Whitehall 18052 CCCS of Lehi It Vaite A Ctivision of MMl 800-220-27- 3671 Crescent Court E Allentown 18101 Alliance for Building Communities 610-439-7007 830 Hamilton Mail Neighborhood Housing Services of the Lehig 610-437-4571 239 N 10th Street Allentown 18102 Valle TN' t[CCCterr H0. 800-922-9537 81 S Church Street Hazleton 18201 tT 570-236-7642 West End Plaza Unit No.10 Brodheadsville 18322 CCCtern f 570-420-8980 411 Main Street-Suite 102 Stroudsbur 18360 CCCtern fl4 800-92.2-9537 232 Sunrise Avenue Route 191 Honesdale 18431 The r l r f r PA 7 8941 122 M i -tr pt 1 4 Cathali Social Services 570-558-3019 Saint Catherine Manor 5 Knox Road Scranton 18505 $16 Fig Street, Scranton 18505 Catholic Social Services Diocese of Scrantot' 570-207-2283 _ United Neighborhood Centers of Northeaster' 570-346-0759 425 Alder Street Scranton 18505 PA Neighborhood Housing Services of 570-558-2490 709 E Market Street Scranton 18509 Laickawanna Courtt Aharts Plaza/Key Real Estate Blakeslee 186110 CJpportunity,Ine. 570-736-7E 42 Route 115&940 The 7`t°ehab Canter of Northoas#ern pA 670-928-96417 Genrcan Streit P.O.Box 389 _ Dushore 18614 Nesco eck 18635 American Credit Counsetin irtstifute 868-�i6S-8847 212 Berwick-Hazetton Highwa Laurel Street Pittston 18640 CCCS of Northeastern 570 602-2227 401 The Trehab Center of Northeastern A 570°8 36-6f340 t9a STS 92S Tunkhannock 18657 CCCS of Northeastern F14 570-821-0837 77 E Market Street,7th Floor Wilkes Barre 18701 Commission on Economic Opportunity of 570-826-0510 165 Amber Lane P.O.Box 1127 Wilkes Barre 18703 Luzerne Count Montrose 18801 The Trehab Center,of Northeastern PA 570 278-5227 10 Public Avenue The Trehab Center of Northeastern PA 570-886-0412 74,1 S Elrrmr'Avenue Suits M,6 Sayre 18840 Bucks Cotant Housin Crou 215 598-3566 2324 2nd Street Pike-Suite 17 Wriahtstown 18940 S 5th Street Quakertown 18951 CCCS of Lehi h Vatie A Division of MMl 800 220-2733 127 2nd Street Pike 18954 CreditCaunseiin Center 21a-3913-1880 832 W Street Road 18974 Arrtertcan Credit Courtseiht institute 215 444- 429 530 _Suite 201 Ptaiad9el hia 19004 Q ortunit inc. 610-660-6687 Twa Bala Plaza Suite 300........ _ CCCS of the Delaware Valle 2 15-5G3-•5665 1230 New Roclers Road-Suite F1 Bristol 19007 American Red Cross of Chester 610-874-14134- 1729 Ed emont Avenue Chester 19013 215-566-5335 130 E 7th Street Chester 19013 CCCS of the Delaware Valle Glenside 19038 American Flnartcial Counseiirr Services 267-2'28-7903 871 N Easton Road CCCS of the tleiaware Vatt 840 989-2227 21€old York toad Pavilion Suite 40 Jankintawn 19046 216 5E3 56t?`b 28Q N Providence Raad Media 19083 CCCS oftttie Delaware Vane Media 19063 Media Fellowshi Nouse 610-5fi5-0434 302 S Jackson 215-5ti#,-53;5 240 N Bisha Street S;r n_fletd 19064 CCCS of the pctaware Vailtt elrnorr Avenue Morrisville 19067 215 295-71 cis 2 S D American Credit Aliianee Rldlev Park 19078 Advocates for Financial Inde endonce 215-389-2210 202 E Hinkley ven- American Credit Counselin tnstitute 610 971-2210 175 Strafford Avenue Suite 1 Wa roe 19087 Housing Association of Delaware Valies 215-546.6010 1500 Walnut Street_Suite 601 Pttiir�d i 3�trA 19102 Unam la merit Information Center 215-557-0822 112 N Broad Street 11th Floor_ t'tliadNl�hi�a 19103 CCCS of the Delaware-V4110 215-563-5665 1608 Walnut Street 10th Floor Philadel NO PACouncll ForComnrunit A atroemenf 215-567-7803 100 N 17th Street Suite 60( Phitadel hilt 19103 Philadelphia Council for Community 215-567-7803 1617 JFK Boulevard-Suite 1550 Philadelphia 19103 Ad t n «-. _..�.. 215 r a�22t7 31318 f sarkr t Street Otir FIr� r Phtiadel Pia 19143 Urban Lea Lie of RA �mm. E hrta�ivi 3!€s 19104 Irrtxar uttuaai Farad rvsct�s.trtc,, 21 , 386-12 s 4225 Chestnut�at.,rat __ W �— Philadel hia 13164 The Partnershi CDC 215-66? ?u1�' 4027 Market Street _ 215-634-2000 714 Market Street Suite 100 Philade! hia 19106 Libert Resources Philadel hia 19107 CCCS of the Delaware Valle 215-563-,5665 901 A Wood Street _ Philadel hia 19107 I'ltiladel hia NHS ?15-5813-98'f9 121 N Broad Street#5Q2 Urban Lea ue of PA 2t5-9+t;5-3.'70 121 S Broad Street 9th Floor Philadel hia 1 Iul!7 X87 228 3Q3 1917 Welsh Road Philadel Ilia 19115 American Financial Counselin Services �e ML Ai USA 215-844-6021 6703 Germantown Avenue-Suite 20 Philadei hia 19119 Korean Community�v�vices 215-276-8830 6053-55 N 5th Street Philadelphia 19120 Center Philadelphia 19122 APM- 215-235-6788 2147 N 6th Street 1_ SIropt Philadialphle t Philade! hia f19 Housin Assollatian of Delaware Valle 215 978-0224' 1528 Walnut Street NACA Philadelphia,PA 215-531-5221 1341 N Delaware Avenue Suite 312 Philadei hia New Kensington Community Development 215-427-0350 2515 Frankford Avenue Philadelphia Philadel hia Carroll Park Cammunk Counc}I Inc. 2.15-877-1157 5218 Master Street Hispanic Alliance for Community 215-667-8932 2740 N Front Street Philadelphia 19133 Advancement Phlladei hia 19136 CCCS of the Delaware Vel!e 800-989-222.7 7340 Jackson Street Philadel hia 19138 West(Salt Lane Communit Develo ment 215-224-0880 7300-02 Ogontz Avenue Philadel hia 19140 CCCS of the Delaware Valle 215-566-5335 4400 N Reese Street - Hispanic Association of Contractors and 215-426-8025 167 W Allegheny Avenue,Suite 200 Philadelphia 19140 Enterprises _ m. 215-324-0746 4261 N 5th Street Philadel hia 19141 Nueva.E erarsza Philadel hia 19141 FOB CDC 215-541-18755 1201 W Olne Avenue 215-324-7500 5001 N Broad Street Philadel hia 19141 Northwest Counseling Service Philadel hia 19141 West Oast Lane 215-224-Q880 6259 Limekiln Pike Southwest Communit Deveics rnent Crt 215-729-Q800 6328 Paschal!Avenue Philadel hia 19142 tyctrmantown Settlement 215-849-31 Q4 5598 Wa no Avenue Buildin C Philadel hia 19144 Adue€eates far Financial Inds endrsnce 215 385-2810 1806 S Broad Street-Suite 1 B Philadel hia 19145 115 336 3x11 1920 S 20th Street Philadel his 19145 Es eranza Philadei hia South PA H.fS;M.f. 215-334 4430 1444 Point Breeze Avenue 19146 S 15th Street Philadelphia 19146 Universal Com antes 215-732-6518 80Q --�-��- r Philadel hia 19147 Philadel tt}a Senior Center 215-546-5879 509 S Broad Street Philadelphia 19148 United Communities Southeast lA 215-467-8700 2029 S 8th Street An�ericen Credit Counseling Institute 888-212-6741 229 E Chestnut Street 1st Floor Caafesville 19320 CCCS of the Delaware Valle 215-563-5665 1001 E Lincoln Hi hwa Suite Downingtown— 19320 ..Downie town 19335 Housin Partnershl of Chester Coun 610-518-1522 41 W Lancaster Avenue Kennett S uare 19348 Alliance for Better Housin Inc. 610-925-1880 648 Buena Vista drive West Chester 19380 American Credal Counseling Institute 88$-212-6741 21 S Church Street CCCS of the Delaware Valle 8o0-989-2227 790 E Market Street-Suite 170 West Chester Norristown !!1!94C�l American Credit Counselin lnstitute 601 571-2210 526 528 Dekalb S#€eei CCCS of the Dela--Valle 215 1 5665 113 E Main Street-2nd Floor Consumer Credit Counseling 5erviee of 610-272-0:576 190 Germantown Pike,Suite 14Q Norristown Delaware 119401 Genesis 6aerrosts Housin Co 610-275-4357 248 BeKaib Street P.Q.Box 1170 Norristown 19403 Norristown American Financial Counseling O-iaes 267.228-7903 405 W Germantown Pike Niue tow 19422 CCCS of the Del—are Valle 8l}Q 989-2227 1777 Sent Park Wast Hatfield 1944 American Financial Guunsetln Services 267-228-7903 2880 Be a Road_-Suite 4 0 Pottstown 1$460 American Credit Counselin Institute 1388<212-6741 937 N Hanover Streef Pottstown 19464 CCCS of Lehi h Valle A Division of MMI 600-220 2733 1954 E Hi h Street Hambur 19526 PA_Intl Communit Pro rams mc. 610-562-2268 22 Willow Road Raadin 19601 t3ud et Counselin Center 610-375-7866 247 N 5th Street Neighborhood Housing Services of Reading, 610.372-8433 213 N 5th Street-Suite 1030 Reading 19601 n bV omissin 19610 American Financial Counsetnr; cervices 267.2'lli 70413 t?hC Penn Avenue -- -- l2ev. 10/09 F10646 Exhib.t L Supreme Court of Pennsylvania , ,:.. ---' cam `. Cou ri,�of-Co R1 m+i',pleas For Prothonotary Use Only. C-&W tivef,sheet ' t Y. x x J E fTfi3EIt ANI? � COUnty Docket No: The information collected on this form is used solely for court administration pui poses. This fornn does not rConmimencement rlernent or re)lac the wing and services let-idin�s or other as er.s•as re uir-ed 1aw or rules ot`court. of Action: 5 plaint ®Writ of summons ❑Petition nsfer from Another Jurisdiction 0 Declaration of Taking Lead Plaintiff's Name: JPMORGAN CHASE BANK, Lead Defendant's Name: MARK R HALI"ERAKA MARK C ?NATIONAL ASSOCIATION,SUCCESSOR BY FJCHARD HALTER T MERGER TO CHASE HOME FINANCE LLC m. � Dollar Amount Requested: C1 within arbitration limits Are money damages requested? F1 Yes ® No Check one) Q outside arbitration limits N Is this a Class Action Suit? [:)Yes ®No Is this an MDJ Appeal? 0 Yes No A Name of Plaintiff/Appellant's Attorney: Aliisoa f uel et�nan,Escl,ld.- o.3099 19.Phcian Ha.�lir &s-clJ1!1iP9 -X? ❑Check here if you Have no attorney(are a Self-Represented (.Pro Se] Litigant) li;afttre of the Case: Place an"X"to the left of the ONE case category that most accurately describes your p}UMARY CASE.If you are making more than one type of claim,check the one that you consider most important TORT.( -- ..� _.... (do not include Mass Tort) CONTRACT(do raat[rtctrtde.ludgrr€ants) CIV1[L APPEALS *Intentional d Buyer Plaintiff Administrative Agencies ®Malicious Prosecution 0 Debt Collection:Credit Card © Board of Assessment ❑Motor Vehicle 0 Debt Collection:Other 17 Board of Elections Nuisance C2 Dept.of Transportation 0 Premises Liability .. ©Statutory Appeal:Other ®Product Liability(does not include mass tort) 0 Employment Dispute: Cl Slander/Libel/Defamation Discrimination E U Other: Cl Employment Dispute:Other ❑Zoning Board C .e D Other: __ --- ©other: :MASS TORT ' O ©Asbestos ©Tobacco ❑Toxic Tort-DES - ©Toxic Tort-Implant REAL PROPERTY MISCELLATNEOUS ❑'Toxic Waste 0 Ejectment ❑Common Law/Statutory Arbitration ° ®Other: ❑Eminent Domain/Condemnation El Declaratory Judgment 0 Ground Rent 0 Mandamus ._._.._. ._ ©LandlordlTenant Dispute l.]Non-Domestic Relations a Mortgage Foreclosure:Residential Restraining Order = - ©Mortgage Foreclosure:Commercial 0 Quo Warranto PROFESSIONAL LIABLITY ®Partition: ©Replevin *Dental ®Quiet Title El Other: U Legal Cl Other: Cl Medical Ct Other Professional: i .......... _ .,... Updated 011 112011 ft.A.C.P. 205.5 FILED-OFFICE OF THE PRO7 HONO TAR', 20131 JUN 19 AM 10. 12 CUMBERLAND COUNTY PENNSYLVANIA Phelan Hallinan&Schmieg,LLP Allison F.Zuckerman,Esq.,Id.No.309519 1617 JFK Boulevard,Suite 1440 ATTORNEY FOR PLAINTIFF One Penn Center Plaza Pljiladelphia,PA 19143 262$41 215-563-7444 _.. JPMORGAN CHASE BANK,NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO COURT OF COMMON PLEAS CHASE HOME FINANCE,LLC CIVIL DIVISION 1111 POLARIS PARKWAY COLUMBUS, OH 43240 TES Plaintiff NO, 1 V. MARK R.HALTER CUMBERLAND COUNTY AKA MARK RICHARD HALTER. 1320 CONCORD ROAD N`SECHANICSBURG,PA 17050-1958 Defendant CIVIL ACT10N -LAW Ct3MPLAINT XN MORTGAGE FORECLOSURE rilc ft: 262841 9V 9 NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages,you must take action within twenty (20)days after this Complaint and Notice are served by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so,the case may proceed without you,and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. 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,TIIIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION'ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY ATTORNEY REFERRAL CUMBERLAND COUNTY TSAR ASSOCIATION CUMBERLAND COUNTY COURTHOUSE 2 LIBERTY AVENUE CARLISLE,PA 17013 (717)249-3166 (800)990-9108 Fite#; 262841 T 1. Plaintiff is' 1pmORGAN CHASE BAND.,NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO CHASE HOME FINANCE,LLC 1 i 11 POLARIS PARKWAY COLUMBUS, OH 43240 2. The name(s) and last known address(es)of the Defendant(s)are: MARK R.HALTER AKA MARK RICHARD HALTER 1320 CONCORD ROAD MECHANICSBURG,PA 17050-1958 who is/are the xnortgagor(s)and/or real owner(s)of the property hereinafter described. 3. On 07/26/2007 MARK R. HALTER made,executed and delivered a mortgage uponn the premises hereinafter described to 3PMORGAN CHASE BANK,N.A. which mortgage is recorded in the Office of the Recorder of CUMBERLAND County, in Mortgage Instrument No.200806639. By Assignment of Mortgage recorded 03/0412011 the mortgage was assigned to CHASE HOME FINANCE;LLC which Assignment is recorded in Assignment of Mortgage Instrument No, 201107231. The mortgage and assignment(s),if any,are matters of public record and are incorporated herein by reference in accordance with Pa.R,C.P. 1019(8);which Rule relieves the plaintiff from its obligations to attach documents to pleadings if those documents are of public record. 4, The premises subject to said mortgage is described as attached. 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 06101/2010 and each month thereafter are due and unpaid,and by the terms of said mortgage, upon failure of Mortgagor to make such payments after a date specified by written notice sent to Mortgagor,the entire principal balance and all interest due thereon are collectible forthwith. rjj3.,.4; 262841 T 6. The fallowing amounts are due on the mortgage as of 05/08/2013 Principal Balance $117,316,35 Interest $24,196.32 05/01/2010 through 04/30/2013 I.,ate Charges $238.44 Property Inspections X$56.00 52.00 Property Preservation X Escrow Advance $5,800, - . TOTAL X147,85968 .&8 7. Plaintiff'is not seeking a judgment of personal liability (or an in person judgment) against the Defendant(s) in the Action;however,Plaintiff reserves its right to bring a separate Action to establish that right,if such right exists. If Defendant(s)has/have received a discharge of personal liability in a bankruptcy proceeding,this Action of Mortgage Foreclosure is in no way an attempt to reestablish such personal liability discharged in bankruptcy,but only to foreclose the mortgage and sell the mortgaged premises pursuant to Pennsylvania Law. 8. Notice of Intention to Foreclose as set forth in Act 6 of 1974,Notice of Homeowner's Emergency Assistance Program pursuant to Act 91 of 1983, as amended in 1998,and/or Notice of Default as required by the mortgage document,as applicable,have been sent to the Defendants on the date(s) set forth thereon,and the temporary stay as provided by said notice has terminated because Defendants has/have failed to meet with the Plaintiff or an authorized consumer credit counseling agency,or has/have been denied assistance by the Pennsylvania Housing Finance Agency. File#: 26294 . _......._____. ._.............._..._. t WHEREFORE,Plaintiff demands an in rem judgment against the Defendant(s)in the sum of$147,859.68,together with interest,casts,fees,and charges collectible under the mortgage including but not limited to attorney fees and costs,and for the foreclosure and sale of the mortgaged property. PHELAN HALLINAN& SCHMIEG,LLP °° By: r &—� X11 . are, Esq. d,No. 309519 for P aintiff File#: 262841 t 4 LEGAL DESCRIPTION All that certain. property situated in the Tovnship of Hampden, in the County of Cumberland, Commonwealth of Pennsylvania , and being described as fO11OW6 10-16-1064-054 . Being more fully described in a deed. dated March 21, 2001 and recorded April 3 , 2001, among the land records of the County and State set fortl3 above, in Deed Volucre 242 and Page 41 . Permanent Parcel XTu;nber l 10-16-1064-054 MAR R- HALTtIZ AND .�ICHELE A. 1 AL TER, HUSBAND AND WIFE 1320 C014CORD RD, MECnANI CSBURG PA 17050 Loan Reference NuMber 4867997/82034565 Fi rst American Orden NO ; 13027974 Identifier ; FIRST AIMERICAN LENDERS ADVANTAGE PROPERTY ADDRESS. 1320 CONCORD ROAD,MEC ANICSBURG,PA 17450-1958 PARCEL#10-16-1064-054 3�ile.P: 262841 VERIFICATION h t hereby states that het e&- -- of JPMORGAN CHASE BANK;NATIONAL ASSOCIATION,SUCCESSOR BY MERGER'J'0 CHASE HOME FINANCE,LLC,Plaintiff in this matter,that tlsh i authorized to make this Verification,and verify that the statements of fact shade in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his/her information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa.C.S. Sec. 4904 relating to unsworn falsification to authorities. DATE:. � �3 p Title: �.}�Cst..._ JPMORGAN CHASE BANK.,NATIONAL, ASSOCIATION, SUCCESSOR BY MERGER TO CHASE HOME FINANCE, LI..0 File#: 262841 Name; HALTER s 262 641 Exhi STATE OF PENNSYLVANIA COURT OF COMMON PLEAS COUNTY OF CUMBERLAND JP MORGAN CHASE BANK,NA CASE N }. 1:3-3557 Plaintiff, V . ANSWER OF DEFENDANT MARK HALTER MARK HALTER, t al. �e - x Defendant(s) Now comes Defendant, Mark Halter, and for his Answer to Plaintiff's Complaint, state as follows. 1. Defendant denies each and every allegation of the Complaint not hereinafter specifically admitted and demands strict proof thereof. vi2. Defendant lacks sufficient information with which to respond to the ;� allegations contained in paragraphs 1,8 1of the Plaintiff's Complaint, and therefore denies same and demands strict proof thereof 3. Paragraphs 7 of the Complaint do not require a responsive pleading, but to the extent that any response is requires, Defendant would refer to the answers contained In each responsive averment. 4. Defendant answers the allegations of paragraphs 3,4 of the Plaintiffs Complaint by craving reference to the documents set forth therein for the terms thereof and demands strict proof thereof. t Ap3p 3 . Defendant admits to the allegations in paragraphs Z #. Defendant denies the allegations of paragraph 5,6 Plaintiff has failed to state any claims upon which relief may be granted . Defendant reserves the right to add such further defenses s the facts learned through discovery may warrant. The Complaint is barred by Plaintiff's failure to mitigate damages, if arty. lQ Plaintiff's Complaint is barred by a failure and/or want of consideration or otherwise is uenforueale, unconscionable or invalid pursuant to applicable law. Plaintiff, under relevant circumstances, has no standing and/car is not the real party in interest, as set.forth. 6, The doctrine of waiver and estoppel bar the Plaintiff's claim. 3 �q i WHEREYORF,, having fully are m r the 1'i €iattlff` C'()mplaicrte the defy-a arrt pray tFr<.t t 1i; lic,,,orahlc (;)urr dry ;sue its Order dismissing the E�l�rir�tlit�s C'e�rrspl<rirrt with prejudice, ` issue its Order granting the Defendant actual damages, in an appropriatc amount to be deternlirt(d t;t by t to trier of fact, issue its Order granting; the Defimdalit reirnburscinettt of the cost and expense, Incurred in defense of this action, together with reasonable attorney's incurred herein and for uch other and l rther relief as this l onorable{court-shall dem j ust and proper, 4 RespecLfully submitted, Mark batter CERTIFICATE IFICA` E t SERVICE 44'a' The undersigned hereby certifies that a true and accurate copy of this Answer has been set by ordinary U.S, rnail, postage prepaid, this i(-,th day of luly 2013, to JI all parties, pe § w l � Mark Halter 3 r 1 t t �K Exhibit "G" z �< Y PHELAN I-IALI_,INj%N,UP BY: L.TROY SI LL,ARS, FSQ IRI_; AT`I'C)RNI Y FOR PLAINTIF Identification No: 210302 126 Locust Street I Iarrisburg,PA 17 I01 Telephone: (2I`1 563-7000, F.xt. l_ 1,Lail: troy,sellar�a,phrtan;�rtllrn . BANK, Ni1ICNAI: CHUBA'O COMMON PLEAS JPM )RGAN CHASE ASSOCIATION, St;(,,('tiaSs0R Y NJURCE-11, C[.1M13 R.1..;AND C OUN`TY CIiASE HOME V1 N,s� LI X- I I POLARIS PA9�f `+'-A ' C ol'UMBUS,()H 43420, Plaintiff, Civil Division VS. NO. 13-3557 MARK R. HALTER A/I{/A MARK RICHARD HALTER 1:320 CONCORD O D RCOAD 'N1ECI1ANIC SBURC,,PA 1.7050-9158, Defendant ['() I)I'.1 1<NII.A�t'I'S1I�I�I:I AND NOW C;CII'iE5 the Plaintiff, ,II'Morgan Chase Bafik,National Association, Successor by Merger Ch se l-Ionic Finance, l..,I,t'',Y? ' xz� tl roU& its itto rric , D,Tray cellars, Fsquirc,and hereby files the within 12�.p1y >c ?vdav �lattea ��fl efendzu=t,Mark R. harm,A/K/A 1%4.ark Richard Ifalter, arzd states as 1011Ows: Plaintiff incorporates herein by re:fereme the averrncr)ts ofp,.ragrap s one "l) through eight (g) of its c(-,j-jplaint. as iF scat forth hercin aillongIE AFFIRMATIVE 7nF 1FFNS S Denied, and strict proof thereof is demanded at trial. By way of further answer,this boiler plate objection,which is UTISUPPOrted by facts or evidence,does not give rise to a well pled affirmative defense. 2. No response is necessary to this paragraph. 3. Denied, and strict proof thereof is demanded at trial. By way of further answer.this boiler plate objection,which is unsupported by facts or evidence,does not give rise to a well pled affirmative defense. 4. Denied, and strict proof thereof is demanded at trial. By way of further answer,this Moiler plate objection,which is unsupported by facts or evidence, does not give rise to a well pled affirmative defense. 5. Denied,and strict proof thereof is demanded at trial. By way of further answer'. this 1) w boiler plate objection,which is unsupported by facts or evidence,does not give rise to a well pled affirmative defense. 6, Denied, and strict proof thereof is demanded at trial, By way of Rather answer,this boiler plate objection, which is unsupported by facts or evidence,does not give rise to a well pled affirmative defense. I'i 1975,6 6 74 t T WHEREFORE,Plaintiff respeetfUlly requests that the Court eater judgment in its favor and against Defendant as requested in Plaintiff's Complaint. Respectfully submitted., PHEL:AN H AI..LI SAN,I,LP ` z Bate. July 25,2413 1 ` .: .. .,4. D. Troy� cll.ars, Esquire Attorney for plaintiff fIPf566 4 VERIF_ICATI-Q-N D. Tray Sellars,Esquire,hereby states that he is the attorney for the Plaintiff in this action,that he is authorized to make this verification,and that the statements made in the foregoing Reply to New Matter are true and correct to the best of his knowledge,information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa,C.S. §4904 relating to unsworn falsifications to authorities. PHELAN I IALLIN,,',N,LLP DATE: Luly 2. Byt 52QI3 D.--Troy s,Esquire Attorney for Plaintiff 126 Locust Street liarrisburg,PA 17101 Telephone: 215-563-7000,Ext. 1360 PHELAN I-IALLINAN,LLP BY: D, TROY SELLARS, ESQUIRE 1�`I"1`CJRNEY FOR PLAINTIFF Identification No: 210302 126 Locust Sheet Harrisburg,PA 17101 Telephone: (215) 563-7000,Ett, 1^rr il._.troy sellars,u >hel �tlz 1.1 nat p7a _.._.. COURTOF COMMON PLEAS JPMORGAN CHASE BANK,NATIONAL ASSOCIATION,SUCCESSOR BY MERGER CUMBERLAND COUNT` CHASE HOME FINANCE,LLC 1111 POLARIS PARKWAY COI.UMBUS,Off 43420, Plaintiff, Civil Divisioxx V& NO, 13-3557 MARK R.HALTER A/KIA MARK RICHARD HALTER 1320 CONCORD ROAD MECHANICSBURG,PA 17050-9155, Defendant CIi RTII~ICA'1'T+:OF SRV_RV ICI~ 1 certify that a true and correct copy of Plaintiff's Reply to Defendant's New Matter was sent via first class mail to the person(s) listed below on the date.indicated; MARK R. HALTER, PRO SE 1320 CONCOR1.)ROAD MECHANICSBURG; PA 17050-1958 D E; .1111y, 25,2013 -D. Troy i{{,.x: i ,A UirC Alton ey 10'Plaintiff 1'I€t-'%566 4 w t � EXHIBIT "H" fib TIME COURT OF CONIN40N PL.F�A.S CUMBE"RL.AND COUNTY, PENNSYLVANIA JPMORGAN CHASF BANK,NATIONAL Coll- u3(�;€�� irm pleas ASSOCIA L iONT, SUIC:l:;ESSOR BY:�'MLRGF-R TO CHASE I-10ME I71-INTANCC, LLC ("aril Division 1 I# POLARIS PARI�N�+'AY COLUMBUS, 1-1 '324 No. 2(}13_;557-CTVlI✓'I.F.iM Plahl'iff V, MARK R. I-AL-I'L,R AKA MARK RICI1ARI-) I IAL,TER 1320 CO C',ORD ROAD ME7,CIIANICSBUJIU3, PA 1-1050-1958 Defendant )ER AND NOW,this day of I.f);3, apoll consideration o f lairatiff's Ioiior,t€> I..,il't C oncilltXtiorr Stay in ti:, , :b€ e e cal3lior c. x °-ter ii is hereby ORDERED u,-j I DECRI L;D that this matter is removed from the Cumberland Counts, Residential Mortgage Foreclosure Divccrsiotl Prc gram; it is fu�t'rr r ORDERED and DECREED that the P,uturnalic Stay is lifter# rn i l'1<€ir�ttiray 1 rucee�b with its Mortgage.1pc.'ecic5ure Action BY THE COUR I Nvlark R., Halt€r.a11L%a Attornty for T'i"'il"'If D L3& 6aLL 36; 2!2 }mep5 C ScEdy Es+, ». 3» 9!636 1\6 1ac�u 2 sirect ° Jim imJ%2& 1710! a15-563-7000 TA&K R. Q&I±tR &E& MARK RICHARD f&l-TyR l3, cot O D ROAD . ECJa9ICSBURG,23 }705f'- PHELAN HALLINAN, LLP BY: D.TROY SELLARS,ESQUIRE Identification No.210302 126 Locust Street Harrisburg, PA 17101 Attorney for Plaintiff troy.sellars @phelanhallinan.com (215) 563-7000 JPMorgan Chase Bank,National Court of Common Pleas Association,successor by merger Chase Home Finance,LLC Civil Division 1111 Polaris Parkway Columbus, OH 43240 Cumberland County Plaintiff V. No. 13-3557 Mark R. Halter a/k/a Mark Richard Halter 1320 Concord Road Mechanicsburg,PA 17050-1958 Defendant CERTIFICATION OF SERVICE I hereby certify that true and correct copy of Plaintiffs Motion for Summary Judgment was sent via first class mail to the person on the date listed below: Mark R. Halter 1320 Concord Road Mechanicsburg,PA 17050-1958 DATE: aZ BY: D. Troy Se ars,Esquire Attorney for Plaintiff PH 756674 PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in duplicate) t:z7 P�# i TO THE PROTHONOTARY OF CUMBERLAND COUNTY: 2014 JAN 'IJMSERLA-ND taOUNT 7., Please list the within matter for the next Argument Court. PENNSYLVANIA --------------------------------------------------------------------------------------------------------------------- JPMorgan Chase Bank,National Court of Common Pleas Association,successor by merger Chase Home Finance,LLC Civil Division 1111 Polaris Parkway Columbus, OH 43240 Cumberland County Plaintiff V. No. 13-3557 Mark R.Halter a/k/a Mark Richard Halter 1320 Concord Road Mechanicsburg, PA 17050-1958 Defendant 1. State matter to be argued(i.e., plaintiff s motion for new trial,defendant's demurrer to complaint, etc.): Plaintiffs Motion for Summary Judgment 2. Identify counsel who will argue case: (a) for plaintiff: D. Troy Sellars, Esquire Address: Phelan Hallinan, LLP 126 Locust Street Harrisburg,PA 17101 (b) for defendant: Mark R. Halter,Pro Se Address: 1320 Concord Road Mechanicsburg,PA 17050-1958 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: April 04, 2014 ` ICJ Date: d2s]it/ D. Troy Sel rs, Esquire Attorney for Plaintiff Lj 131�1�0 4"`—i PRAECIPE FOR LISTING CASE FOR ARGUMENT 61 TO THE PROTHONOTARY OF CUMBERLAND COUNTY: �0 Please list the within matter for the September 26, 2014, Argument Court. CO. 186 0 PEA* ND coo JPMorgan Chase Bank, National Court of Common Pleas Association, successor by merger Chase Home Finance, LLC Civil Division 1111 Polaris Parkway Columbus, OH 43240, Cumberland County Plaintiff v. No. 2013-3557 Mark R. Halter a/k/a Mark Richard Halter 1320 Concord Road Mechanicsburg, PA 17050-1958, Defendant 1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's demurrer to complaint, etc.): Plaintiff's Motion for Summary Judgment filed on or about August 19, 2013. 2. Identify counsel who will argue case: (a) for plaintiff: Joseph P. Schalk, Esquire Address: Phelan Hallinan, LLP 126 Locust Street Harrisburg, PA 17101 (b) for defendant: Mark R. Halter, Pro Se Address: 1320 Concord Road Mechanicsburg, PA 17050-1958 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: September 26, 2014 Date: *1(1 cha k, Es ire ey or Plaintiff PHELAN HALLINAN, LLP BY: D. TROY SELLARS, ESQUIRE ATTORNEY FOR PLAINTIFF Identification No.: 91656 126 Locust Street Harrisburg, PA 17101 Telephone: (215) 563-7000, Ext. 7365 E-mail: joseph.schalk@phelanhallinan.com JPMORGAN CHASE BANK, NATIONAL COURT OF COMMON PLEAS ASSOCIATION, SUCCESSOR BY MERGER CUMBERLAND COUNTY, PENNA. CHASE HOME FINANCE, LLC 1111 POLARIS PARKWAY Civil Division COLUMBUS, OH 43240, Plaintiff v. No. 2013-3557 MARK R. HALTER A/K/A MARK RICHARD HALTER 1320 CONCORD ROAD MECHANICSBURG, PA 17050-1958, Defendant CERTIFICATION OF SERVICE I hereby certify that a true and correct copy of Praecipe for Listing Case for Argument was sent via first class mail to the person on the date listed below: MARK R. HALTER, PRO SE 1320 CONCORD ROAD MECHANICSBURG, PA 17050-1958 DATE: July 30, 2014 BY: Schalk, Esquire ey for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA JPMorgan Chase Bank, National Association, successor by merger Chase Home Finance, LLC 1111 Polaris Parkway Columbus, OH 43240 Plaintiff v. Mark R. Halter aik/a Mark Richard Halter 1320 Concord Road Mechanicsburg, PA 17050-1958 Defendant ORDER NOW, this day of t • • £. • Court of Common Pleas Civil Division Cumberland County No. 13-3557 , 2014, upon consideration of Plaintiffs Motion for Summary Judgment and Brief in Support thereof, and upon consideration of the Response, if any, filed by Defendant, the Court determines that Plaintiff is entitled to Summary Judgment as a matter of law, and it is hereby: ORDERED and DECREED that an in rem judgment is entered in favor of Plaintiff and against Defendant, Mark R. Halter a/k/a Mark Richard Halter, for $154,070.23 plus interest from November 30, 2013 and other costs and charges collectible under the mortgage, for foreclosure and 62.4A-/- /11)-6- Tit lee/1_1641- d'ee Ave' c,71*ee4_ sale of the mortgaged property. / fur- d/., ee/w-e. PH 756674 ; 1 V) n.) Cr« -0 No. 13-3557 Civil Term Copies to: Joseph P. Schalk, Esq. Phelan Hallinan & Schmieg, LLP 1617 JFK Boulevard Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 Attorney for Plaintiff Mark R.Halter 1320 Concord Road Mechanicsburg, PA 17050-1958 Defendant, pro Se Coes. ivtadled g/i/q Pia PRAECIPE TO ENTER JUDGMENT PURSUANT TO COURT ORDER COURT OF COMMON PLEAS JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO CIVIL DIVISION CHASE HOME FINANCE, LLC Plaintiff NO.2013-3557 CUMBERLAND COUNTY v. MARK R. HALTER AKA MARK RICHARD HALTER Defendant(s) PRAECIPE TO ENTER JUDGMENT PURSUANT TO COURT ORDER To the Prothonotary: Kindly Enter Judgment per the Court Order dated September 26, 2014 in favor of the Plaintiff and against MARK R. HALTER AKA MARK RICHARD HALTER, defendant(s). As Set Forth in the Order $15 PHS # 756674 Phelan Hal: nan, LLP ul Cress : an, Esq., Id. No.318079 Attor fir Plaintiff «16•6-" Pd A-* C 100.2.03 3/2207 go lice Na, Ye .4; IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA JPMorgan Chase Bank, National Court of Common Pleas Association, successor by merger Chase Home Finance, LLC t: Civil Division 1111 Polaris Parkway Columbus, OH 43240 Cumberland County Plaintiff v. t: No. 13-3557 Mark R. Halter a/k/a Mark Richard Halter .• 1320 Concord Road Mechanicsburg, PA 17050-1958 Defendant ORDER NOW, this day of , 2014, upon consideration of Plaintiffs Motion for Summary Judgment and Brief in Support thereof, and upon consideration of the Response, if any, filed by Defendant, the Court determines that Plaintiff is entitled to Summary Judgment as a matter of law, and it is hereby: ORDERED and DECREED that an in rem judgment is entered in favor of Plaintiff and against Defendant, Mark R. Halter a/k/a Mark Richard Halter, for $154,070.23 plus interest from November 30, 2013 and other costs and charges collectible under the mortgage, for foreclosure and sale of the mortgaged property. / PH 756674 4-1- /1d-te- tit C71 (e) C-11 CD PRAECIPE FOR WRIT OF EXECUTION -(MORTGAGE FORECLOSURE) P.R.C.P. 3180-3183 JPMorgan Chase Bank, National Association, Successor by Merger Chase : COURT OF COMMON PLEAS Home Finance, LLC Plaintiff v. Mark R. Halter a/k/a Mark Richard Halter Defendant(s) To the Prothonotary: Issue writ of execution in the above matter: Amount Due . CIVIL DIVISION . NO.: 13-3557 . CUMBERLAND COUNTY $154,070.23 Interest from 09/27/2014 to Date of Sale $4,027.47 ($25.33 per diem) TOTAL 8 097.70 Note: Please attach description of property. PH # 756674 .428.6Pd'9 31.3o�5 j03. 1q. hs 1q. (7S 6‘ fel • cett p#.31208 an, LLP P.. Cressm,n, Esq., Id. No.318079 Attorn fo Plaintiff ,0•02s‘P"e �n t6 THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PA DAVID D. BUELL, PROTHONOTARY One Courthouse Square • Suite100 • Carlisle, PA • 17013 (717) 240-6195 www.ccpa.net JPMorgan Chase Bank, National Association, Successor by Merger to Chase Home Finance, LLC Vs. NO 13-3557 Civil Term CIVIL ACTION — LAW Mark R. Halter aka Mark Richard Halter WRIT OF EXECUTION TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the judgment, interest and costs in the above matter you are directed to levy upon and sell the following described property: (1) See legal description. (2) (Specifically describe personal property when judgment results from a mortgage covering both personal and real property pursuant to Section 9604(a)of the Uniform Commercial Code) NOTE: Description of property must be attached to the writ. Amount Due: $154,070.23 L.L.: $.50 Interest from 9/27/2014 to Date of Sale ($25.33 per diem) - $4,027.47 Atty's Comm: Atty Paid: $227.55 Plaintiff Paid: Date: 10/13/2014 Due Prothy: $2.25 Other Costs: David D. Buell, Prothonotary (Seal) By: Deputy REQUESTING PARTY: Name: Paul Cressman, Esq. Address: Phelan Hallinan, LLP 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza, Philadelphia, PA 19103 Attorney for: Plaintiff Telephone: 215-563-7000 Supreme Court ID No. 318079 PHELAN HALLINAN, LLP Paul Cressman, Esq., Id. No.318079 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 paul.cressman@phelanhallinan.com 215-563-7000 Attorneys for Plaintiff JPMorgan Chase Bank, National Association, Successor by Merger : COURT OF COMMON PLEAS Chase Home Finance, LLC Plaintiff : CIVIL DIVISION V. : NO.: 13-3557 Mark R. Halter a/k/a Mark Richard Halter Defendant(s) : CUMBERLAND County CERTIFICATION The undersigned attorney hereby states that he/she is the attorney for the Plaintiff in the above captioned matter and that the premises are not subject to the provisions of Act 91 because: ( ) ( ) ( ) the mortgage is an FHA Mortgage the premises is non -owner occupied the premises is vacant (X) Act 91 procedures have been fulfilled ( ) Act 91 is Not Applicable pursuant to Pa Bulletin, Doc No 11-1197, 41 Pa.B. 3943 This certification is made subject to the penalties of 18 Pa. C.S.A. § 4904 relating to unsworn falsification to authorities. elan Halli Pau Attorney for an, LLP Esq., Id. No.318079 aintiff rn r" 32" C") Xs• JPMorgan Chase Bank, National Association, Successor by Merger Chase Home Finance, LLC Plaintiff • Mark R. Halter a/k/a Mark Richard Halter Defendant(s) COURT OF COMMON PLEAS CIVIL DIVISION NO.: 13-3557 CUMBERLAND COUNTY AFFIDAVIT PURSUANT TO RULE 3129.1 .IPMorgan Chase Bank, National Association, Successor by Merger Chase Home Finance, LLC, Plaintiff in the above action, by the undersigned attorney, sets forth as of the date the Praecipe for the Writ of Execution was filed, the following information concerning the real property located at 1320 Concord Road, Mechanicsburg, PA 17050-1958, Name and address of Owner(s) or reputed Owner(s): Name Address (if address cannot be reasonably please so indicate) Mark R. Halter a/k/a Mark Richard Halter 1320 Concord Road Mechanicsburg, PA 17050-1958 2. Name and address of Defendant(s) in the judgment: Name Mark R. Halter a/k/a Mark Richard Halter Address (if address cannot be reasonably ascertained, please so indicate) 1320 Concord Road Mechanicsburg, PA 17050-1958 ascertained, C ":33 co zrn cot— r'Z CA) s�• 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address (if address cannot be reasonably ascertained, please indicate) Cumberland County Adult Probation 1 Courthouse Sq Carlisle, PA 17013-3387 4. Name and address of last recorded holder of every mortgage of record: Name Address (if address cannot be reasonably ascertained, please indicate) None. 5. Name and address of every other person who has any record lien on the property: Name Address (if address cannot be reasonably ascertained, please indicate) None. 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale. Name Address (if address cannot be reasonably ascertained, please indicate) None. PH # 756674 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest i be affected by the sale: Name Address (if address cannot be reasonably ascertained, please indicate) Tenant/Occupant 4 Domestic Relations of Cumberland County Commonwealth of Pennsylvania Department of Welfare Internal Revenue Service Advisory U.S. Department of Justice U.S. Attorney for The Middle District of PA Federal Building 1320 Concord Road Mechanicsburg, PA 17050-1958 13 North Hanover Street Carlisle, PA 17013 P.O. Box 2675 Harrisburg, PA 17105 1000 Liberty Avenue Room 704 Pittsburgh, PA 15222 228 Walnut Street, Suite 220 PO Box 11754 Harrisburg, PA 17108-1754 he property which may I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S.A. § 4904 relating to unsworn falsification Date: PH # 756674 By: Phelan Hallin l Cressman for P Attor PHELAN ,LLP Esq., Id. No.318079 ntiff INAN, LLP 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza, Philadelphia, PA 19103 215-563-7000 JPMorgan Chase Bank, National Association, Successor by : COURT OF COMMON PLEAS Merger Chase Home Finance, LLC : CIVIL DIVISION Plaintiff : : NO.: 13-3557 cs, -11 vs. -i Mark R. Halter a/k/a Mark Richard Halter : CUMBERLAN r— z "vrn Defendant(s) : u)r- w,i c -t ..< 7> co c, NOTICE OF SHERIFF'S SALE OF REAL PROPERTY zi:::) = = - _ --0 01, > ...'.4 4_ TO: Mark R. Halter a/k/a Mark Richard Halter -‹ crl , -, 1320 Concord Road Mechanicsburg, PA 17050-1958 **THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY.** Your house (real estate) at 1320 Concord Road, Mechanicsburg, PA 17050-1958 is scheduled to be sold at the Sheriff's Sale on 03/04/2015 at 10:00 AM in the Cumberland County Courthouse, South Hanover Street, Carlisle, PA 17013 to enforce the court judgment of $154,070.23 obtained by JPMorgan Chase Bank, National Association, Successor by Merger Chase Home Finance, LLC (the mortgagee) against you. In the event the sale is continued, an announcement will be made at said sale in compliance with Pa.R.C.P. Rule 3129.3. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be canceled if you pay to the mortgagee the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call: 215-563-7000 x1230. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 215-563-7000. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happertved, you may call 215-563-7000. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A proposed schedule of distribution of the money bid for your house will be prepared by the Sheriff not later than thirty (30) days after the sale. The schedule shall be kept on file with the sheriff and will be made available for inspection in his office. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the filing of the proposed schedule. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION CUMBERLAND COUNTY COURTHOUSE 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 (800) 990-9108 SHORT DESCRIPTION By virtue of a Writ of Execution No. 13-3557 JPMorgan Chase Bank, National Association, Successor by Merger Chase Home Finance, LLC v. Mark R. Halter a/k/a Mark Richard Halter owner(s) of property situate in the TOWNSHIP OF HAMPDEN, CUMBERLAND County, Pennsylvania, being 1320 Concord Road, Mechanicsburg, PA 17050-1958 Parcel No. 10-16-1064-054 (Acreage or street address) Improvements thereon: RESIDENTIAL DWELLING Judgment Amount: $154,070.23 Attorneys for Plaintiff Phelan Hallinan, LLP LEGAL DESCRIPTION All that certain property situated in the Township of Hampden, in the County of Cumberland, Commonwealth of Pennsylvania, and being described as follows: 10-16-1064-054. Being more fully described in a deed dated March 21, 2001 and recorded April 3, 2001, among the land records of the County and State set forth above, in Deed Volume 242 and Page 41. TITLE TO SAID PREMISES VESTED IN Mark R. Halter, an unmarried man, by Deed from Mark R. Halter and Michele A. Halter, dated 08/13/2007, recorded 03/06/2008 in Instrument Number 200806638. PREMISES BEING: 1320 Concord Road, Mechanicsburg, PA 17050-1958 PARCEL NO. 10-16-1064-054 AFFIDAVIT OF SERVICE (FHLMC) PLAINTIFF CUMBERLAND COUNTY JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER CHASE HOME FINANCE, LLC PH # 756674 DEFENDANT SERVICE TEAM/ Ixh MARK R. HALTER A/K/A MARK RICHARD HALTER COURT NO.: 13-3557 SERVE MARK R. HALTER A/K/A MARK RICHARD HALTER AT: TYPE OF ACTION 1320 CONCORD ROAD XX Notice of Sheriff's Sale MECHANICSBURG, PA 17050-1958 SALE DATE: March 4, 2015 SERVED 54" 1, w Served and made known to MARK R. HALTER A/K/A MARK RICHARD HALTER, Defendant on the ' day of 1‘10\g%'4 D 20 i''t, at f0, o'clock M., at `3 V. 0 COsCC � ' I „m thq mann r described�6elow: 4' Defendant personally served. {)`� I t' p� C� b :' j10A Adult family member with whom Defendant(s) reside(s). Relationship is Adult in charge of Defendant's residence who refused to give name or relationship. Manager/Clerk of place of lodging in which Defendant(s) reside(s). _ Agent or person in charge of Defendant's office or usual place of business. an officer of said Defendant's company. r Other: j Descr ption: Age eig]it 6 Weight Cs' Race WA Sex Other � "aS. I, rflvt tLJC t L „L. ,�a ce nt adult, hereby verify that I personally handed a true and correct copy of the Notice of Sheriffs Sale in the manner as set forth herein, issued in the captioned case on the date and at the addres indicated above. I understand that this statement is made subject to unsworn falsif%atiltn to authorities. DATE: 11 NAME: PRINTED TITLE: / Y Y CSS 1K v P NOT SERVED On the day of,20 , at o'clock . M., I, state that�e endant NOT FOUND ecause: es of 18 Pa. C.S. S 4 91 4 relating t Ada , a competent adult hereby Vacant _ Does Not Exist _ Moved — Does Not Reside (Not Vacant) _ No Answer on at at Service Refused Other: I understand that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. BY: PRINTED NAME: