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Supreme Co nnsylvania COur C01nmo leas I For Prothonotary Use Only: T Docket No: • '� ��STq Cu rariil }� County I '° �(.JL The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service ofpleadings or otherpapers as required by law or rules of court. Commencement of Action: S 0 Complaint 0 Writ of Summons 0 Petition E © Transfer from Another Jurisdiction 0 Declaration of Taking C Lead Plaintiff's Name: Lead Defendant's Name: Bank of America, N.A. Michael Beck A/K/A Michael W. Beck; Et Al. T Dollar Amount Requested: ®within arbitration limits I Are money damages requested? 0 Yes 0 No (check one) (S outside arbitration limits O N Is this a Class Action Suit? 0 Yes 0 No Is this an MDJAppeal? 0 Yes [M No A Name of Plaintiff /Appellant's Attorney: FI T7ABETH L WASSALL, ESQ 0 Check here if you have no attorney (are a ft 'Re�i [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 0 Buyer Plaintiff Administrative Agencies 0 Malicious Prosecution 0 Debt Collection: Credit Card 0 Board of Assessment 0 Motor Vehicle 0 Debt Collection: Other 13 Board of Elections ® Nuisance 0 Dept. of Transportation 0 Premises Liability 0 Statutory Appeal: Other ►S 0 Product Liability (does not include E mass tort) ® Employment Dispute: © Slander/Libel/ Defamation Discrimination C 0 Other: 0 Employment Dispute: Other 0 Zoning Board T 0 Other: I 0 Other: O MASS TORT 0 Asbestos N 0 Tobacco 0 Toxic Tort -DES 0 Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS 0 Toxic Waste 0 Other: 0 Ejectment 0 Common Law /Statutory Arbitration B 0 Eminent Domain/Condemnation 0 Declaratory Judgment 0 Ground Rent Mandamus 0 Landlord/Tenant Dispute R Non- Domestic Relations xJ Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABLITY 0 Mortgage Foreclosure: Commercial 0 Quo Warranto 0 Dental 0 Partition 0 Replevin 0 Legal 0 Quiet Title 0 Other: 0 Medical ® Other: 0 Other Professional: Updated 11112011 a UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF BY: MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID #45362 LORRAINE GAZZARA DOYLE, ESQUIRE - ID #34576 SHERRI J. BRAUNSTEIN, ESQUIRE - ID#90675 SALVATORE CAROLLO, ESQUIRE - ID #311050; ` J HARRY B. REESE, ESQUIRE - ID #310501 ELIZABETH L. WASSALL, ESQUIRE - ID#77788� -.' JOHN ERIC KISHBAUGH, ESQUIRE - ID #33078 x' r NICOLE B. LABLETTA, ESQUIRE - ID #202194 v '4 DAVID NEEREN, ESQUIRE - ID #204252 JORDAN DAVID, ESQUIRE - ID #311968 WOODCREST CORPORATE CENTER >o 111 WOODCREST ROAD, SUITE 200 :V CHERRY HILL, NJ 08003 -3620 856 669 - 5400 p Bank of America, N.A COURT OF COMMON PLEAS C/O Bank of America, N.A., as successor by CIVIL DIVISION merger to BAC Home Loans Servicing, LP CUMBERLAND County 16001 North Dallas Parkway Addison, TX 75006 Plaintiff NO V. MICHAEL BECK A/K/A MICHAEL W. BECK 102 NORTH 27TH STREET CAMP HILL, PA 17011 RACHEL BECK A/K/A RACHEL E. BECK 102 NORTH 27TH STREET CAMP HILL, PA 17011 Defendant(s) . COMPLAINT IN MORTGAGE FORECLOSURE.. YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for.any other. claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYERS REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (800) 990 -9108 AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dial de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se dafiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisioner de esta demanda. Usted. . puede perder dinero o sus propiedades u otros derechos importantes para. usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (800) 990 -9108 NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail -it to you. If you do-not dispute - the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. UDREN LAW OFFICES, P.C. /s/ Mark J. Udren, Esquire Woodcrest Corporate Center 111 Woodcrest Road, Suite -204• Cherry Hill, NJ 08003 -3620 (856) 669 -5400 1. Plaintiff is Bank of America, N.A. Plaintiff is the legal holder of the Mortgage that is the subject of this Action. Plaintiff is either the current mortgagee of record, is the legal holder of the Mortgage by virtue of being successor in interest to the current mortgagee of record, or is the legal holder 4the Mortgage by virtue of Assignment of Mortgage. If Plaintiff is the legal holder of the Mortgage by virtue of Assignment of Mortgage, it is by the following Assignments of Mortgage, all of which have either been recorded or Plaintiff is in the process of formalizing the actual Assignment of Mortgage in Plaintiff s favor: Assignor: Mortgage Electronic Registration Systems, Inc. Assignee: Bank of America, N.A., Successor By Merger to BAC Home Loans Servicing, LP Date of Assignment: 10/25/2011 Recorded Date: 11/07/2011 Book/Instrument #: Instrument # 201130903 Page: n/a The promissory note is endorsed by Plaintiff, or endorsed in blank and Plaintiff or its agent has possession of the note. 2. Upon information and belief Defendant(s) and/or their predecessor: Michael Beck a/k/a Michael W. Beck and Rachel Beck a/k/a Rachel E. Beck (hereinafter "Defendants "), are the owners of property located at 102 North 27th Street, Camp Hill, PA 17011 , by virtue of Deed dated 06/29/2010 and recorded 07/08/2010 in Official Records Book Instrument # 201018296 at Page n/a of the Public Records of Cumberland County, Pennsylvania (hereinafter the 'Property"). 3. On 07/02/2010, Defendant(s) and/or their predecessor: MICHAEL BECK A/K/A MICHAEL W. BECK AND RACHEL BECK A/K/A RACHEL E. BECK promised to pay to the order of Walker Jackson Mortgage Corporation, the principal sum of $ 277,148.00 payable with interest thereon provided in the Note. 4. By Mortgage dated 07/02/2010, Defendant(s) and/or their predecessor: MICHAEL BECK A/K/A MICHAEL W. BECK AND RACHEL BECK A/K/A RACHEL E. BECK to secure the Note, mortgaged to Mortgage Electronic Registration Systems, Inc., as nominee for Walker Jackson Mortgage Corporation, the Property which is the subject of this action. The Mortgage was recorded on 07/08/2010 in Official Records Book Instrument # 201018297 at Page n/a . Said Mortgage is incorporated herein by referenced in accordance with Pa.R.C.P 1019(g). A legal description of the mortgage premises is attached hereto and made a part hereof. 5. Said mortgage is in default in that the payment due 01/01/2013, and all subsequent payments have not been made, and by its terms, upon breach and failure to cure said breach after notice, all sums secured by said Mortgage, together with the other charges authorized by said Mortgage and itemized below, shall be immediately due. 6. After demand, the Defendant(s) continues to fail "or refused to comply with the terms of the Mortgage as follows: (a) By failing or refusing to pay the installments of principal`and'interest when due in the amounts indicated below; (b) By failing or refusing to pay other charges, if any, indicated below. The following amounts are due on the said Mortgage or modification agreement as of the date stated below Unpaid Principal Balance $280,358.30 Accumulated Interest(Due from 12/01/2012 to 05/31/2013) $7,008.96 Accumulated Late Charges $429.98 Escrow Balance $- 121.54 Grand Total $287,675.70 The above figures are calculated as of 05/31/2013: The interest rate is subject to adjustment if more fully described as such in the note and mortgage. The interest rate on the subject note is at 5.00000 %. The current monthly accrual of interest on this loan is $1,168.15 and that sum will be added every month hereafter. 7. Breach letters have been sent to Defendant(s) in accordance with the requirements of the subject mortgage and/or The Pennsylvania Act 6 of 1974 of the Commonwealth of Pennsylvania and, if applicable, Act 91 of 1983. Copies of the breach letters are attached hereto as Exhibit "A" WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant(s) herein in the sum of $287,675.70 plus ongoing interest, costs and attorneys fees and for sale of the Mortgaged premises. UDREN LA ICES, P.C. ELIZABETH L WASSALL, ESQ PA ID 77788 UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003 -3620 856- 669 -5400 pleadings @udren.com Bank of America, N.A COURT OF COMMON PLEAS Plaintiff CIVIL DIVISION CUMBERLAND County V. MICHAEL BECK A/K/A MICHAEL W. NO. BECK 102 NORTH 27TH STREET CAMP HILL, PA 17011 RACHEL BECK A/K/A RACHEL E. BECK 102 NORTH 27TH STREET CAMP HILL, PA 17011 Defendant(s) VERIFI CATTO`N f n" rag. hereby state's that Qshe is d wska..E V i to of Bank of America, N.A, Plaintiff in this matter, that d oe/she is authorized to make this Verification, and verify that the statements made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best ofQs her knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa: C.S. Section 4904 relating to unsworn falsification to authorities. Date: Name: C 4 - c ,; S L, t 2 • Mo s a Title: ( 3c, S i �F a..1- U -, c e- Company: 2� cr c a r a MJU #: 13040550 CASE #: 13040550 -1 05- 06 -`13 10;35 FROM -ABLE ABSTRACTS T -123 P0017/0024 F -778 LEGAL DESCRIPTION ALL THAT CERTAIN lot or piece of land situated in the Borough of Camp Hill, Cumberland County, Pennsylvania, more particularly bounded and described as follows: BEGINNING at the northwestern comer of Walnut Street and 27th Street (formerly Jefferson Street); thence in a northerly direction along the western line of 2M Street, 126.65 feet to a point 50 feet south of the southern line of a 15 foot alley; thence in a westerly direction by a line 50 feet south (erroneously set forth as "should" in prior deed) of the southern line of said 15 foot alley, 88.45 feet to a point; thence in a southerly direction by a line parallel with 27th Street, 126.65 feet to the northern line of Walnut Street; thence in an easterly direction along the northern line of Walnut Street, 88.45 feet to the Place of BEGINNING. UNDER AND SUBJECT to all restrictions, easements, covenants, conditions and agreements of record. PRESORT First -Class Mail PO Box 9048 U.S. Postage and Temecula, CA 92589 -9048 Fees Paid 2269590260 WSO 20130118 -7 illllill�llnlhllillllillliniulltili�lrl�lll�lll RACHEL BECK 102 North 27th Street Camp Hill, PA 17011-3624 - Exhibit A C31445 BLQPA2 1409108/24/2011 January 18, 2013 Account No.: 222301143 RACHELBECK 102 North 27th Street Camp Hill, PA 17011 -3624 NOTICE OF INTENTION TO FORECLOSE. MORTGAGE Dear RACHEL BECK, The MORTGAGE held by BANK OF AMERICA, N.A. and serviced by Bank of America, N.A. (hereinafter we, us or ours) on your property located at 102 North 27th Street Camp Hill, PA 17011, IS IN SERIOUS DEFAULT because you have not made the monthly payments in the amounts shown below for the months of 10/01/2012 - 01/31/2013. Monthly Charges: 10/01/2012 - 11/30/2012 @ $2146.10 $4,292.20 12/01/2012 - 01/31/2013 @ $2152.71 $4,305.42 Late Charges: 10/0112012 - 11/30/2012 @ $85.84 $171.68 12/01/2012 - 01/31/201 - 3 , @ $86:11 $172:22 Other Charges: Additional Uncollected Late Charges: $0.00 Uncollected Costs: $0.00 Partial Payment Balance: 0.00 TOTAL DUE: $8,941.52 Late charges and other charges have also accrued to this date in the amount of $343.90. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is $8,941.52. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $8,941.52, plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at Bank of America, N.A.at P.O. Box 15222, Wilmington, DE 19886 -5222. If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. If the mortgage is. foreclosed your mortgagee! property will be sold by the Sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default within the thirty day period, you will not be required to pay attorney's fees. MIZ 2269590262 We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attomey's fees and costs connected with the foreclosure sale [and perform any other requirements under the mortgage]. It is estimated that the earliest date that such a Sheriffs sale could be held would be approximately six (6) months from the date of this Notice. A notice of the date of the Sheriff sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: 1- 800 - 669 -4578. This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriffs sale will end your ownershipof the mortgaged property and your right to remain in - it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEYWFROK4 ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THEOUTSTANDfNG`PRYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year." C3 3222 BRECDISC 15352 09/24112 IMPORTANT DISCLOSURES If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home loan with us or enter into a loan modification or other loan- assistance program. You should consult with your bankruptcy attorney or other advisor about your legal rights and options. Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication is from a debt collector. There has been a payment default or other default on your loan that could result ia,acceleration of all sums due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and rights in the property and under the note and security instrument, including any remedies thereunder (the "Default Related Services "). Bank of America, N.A. will assess fees to your loan account for the Default Related Services, including those provided by its affiliates. A schedule of fees that may be charged to your account for Default Related Services is available at the following web address: http: //www.bankofamerica.com /defaultfees If you do not have internet access, please contact us at 1- 800 - 669 -6607, Monday through Thursday 8 a.m. - 11 p.m. Eastern, Friday 8 a.m. - 9 p.m. Eastern, Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to you: The fee schedule eorAains a - complete list of the default - related services you could be charged, but does not include a complete list of all fees or charges that could be assessed on your loan account. MILITARY PERSONNEUSERVICEMEMBERS If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief. Act and comparable,. state. laws afford, significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at 1- 877 - 430 -5434. If you are calling from outside the U.S. please contact us at 1- 817 - 685 -6491. ME T 2269590262 DIVULGACIONES IMPORTANTES Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneraci6n de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudaci6n, una demanda de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no est6 obligado(a) a hablar de su prestamo para vivienda con nosotros ni a participar en un programa de modificaci6n de prestamos u otro programa de asistencia para prestamos. Usted debe consulter con su abogado especializado en quiebras u otro asesor acerca de sus opciones y derechos legales. Bank of America, N.A., el administrador de su prestamo para viviertda obligado por ley a informarle a usted que esta comunicaci6n proviene de un cobrador de deudas. Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su prestamo que podria resultar en la aceleraci6n de todas las cantidades adeudadas bajo el PagarA: COMO resultado Bank of America N.A. utilizarA compafiias, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y LandSafe Appraisal Services, Inc., para proporcionar servicios necesarios para proteger los intereses del Titular en la propiedad y sus derechos bajo el instrumento de seguridad y el pagare, incluyendo cualquiera de sus recursos (los "Servicios relacionados a un incumplimiento "). Bank of America, N.A. aplicarA cargos a la cuenta de su prestamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento estA disponible en el sitio de Internet: f hfto:// www. bankofamerica.com /defauitfegsl Si usted no tiene acceso a internet, por favor comuniquese con nosotros al 1 -800- 669 -6607 de lunes a jueves de 8 a. m. a 11 p. m. hora del este, viernes de 8 a. m. a 9 p. m. hora del este sAbados de 9a. rn: a 3 p: m-. liora del este. para pedir que se le envie una lista de cargos por correo. La lista de cargos contiene una lists completa de los servicios relacionados por incumplimiento que le podian cobrar, . pero no incluye una lista completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su prestamo. PERSONAL MILITAR! MIEMBROS DE LAS FUERZAS ARMADAS Si. usted a su- c6ayuge es urti miembro del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios significativos al personal del servicio militar oue califioue incluidas protecciones contra [a ejecuci6n hipotecaria asi Como tambien ayuda en la tasa de inters. Para obtener mAs informaci6n y determinar su calificaci6n por favor [lame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al 1- 877 -430 -5434. Si usted llama desde fuera de los Estados Unidos por favor comunfquese con nosotros aP 1- 817- 685 -6491. 2269590262 C3_5088 OPTAVDFC 15319 09/2412012 Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s) could work for you. Options to consider if your goal is to stay in your home ..... . >)cr P ...:.:...............................................................................................................................:.................................................... .................:............. I l a .......... ::._ ::: ::::::::::::::::..::::::._::::: :. ::::: :: : ::: :: : :: :: ::.:: : ::::: . : ............................... Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms, Modification which may include lowering the interest rate, placing past due amounts at the end of the loan, Program (HAMP) and /or extending the term of the loan. You•may be eligible for this program if you meet the following requirements: • The amount you owe on the first mortgage is equal to or less than $729,750 for a single - family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or $1,403,400 for a 4 unit property • You have documented a financial hardship and represented that you do not have sufficient liquid assets to make the monthly mortgage payments. • Your mortgage was obtained before Jan. 1, 2009. • The property securing the mortgage loan has not been condemned or is not in such poor physical condition that it is not habitable even if not condemned • The mortgage is secured by a one to four unit property Loan If you can bring your loan payments up to date, we witt accept the funds needed'to bring °thee Reinstatement loan up to date until the day of your foreclosure sale. Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay off a portion of the past due amounts over time. This may include principal, interest, fees, and/or costs assessed to your loan. Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments Forbearance for a period of time, to allow you to re- establish your ability to make the required payments. Agreement Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could (non -HAMP) include lowering your interest rate, extend i rig the .term, or, maturAy dateof.tha loan mowing. from an adjustable to a fixed -rate loan, deferring some portion of the unpaid principal balance to the end of the loan, and/or forgiving some portion of the unpaid principal balance. Partial Claim (FHA If you have a Federal Housing Administration (FHA) loan and your payments are past due but loans only) you are now able to make your regular monthly mortgage payment, this program is designed to bring your loan up to date by creating a second mortgageflien on your property for the amount that is past due. Options to consider if you cannot or do not wish to stay in your home ......................................................................................................................................................................................... ............................... ......... ............................... . ..................................................................................................................................... ............................... . Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program Foreclosure (HAMP) but were unsuccessful in securing a permanent modification through the program. Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A Program (HAFA) short sale is a transaction in which you sell your property for less than the total amount owed on the loan (subject to agreement by your service rllenderfinvestor), resulting in the release of our,lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a transaction in which you agree to voluntarily transfer ownership of your property to us in order to avoid foreclosure. Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth less than Pre - foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale, Sale (non -HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to borrowers who are not eligible for HAMP or other home retention alternatives. Deed in Lieu of Used as an alternative to foreclosure, with a deed in lieu of foreclosure, you transfer ownership Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total (non -HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home ,x retention alternatives, and who were not able to sell the property through a short sale. We are here to help you. Please call us today. 2269590262 Hay opciones disponibles para ayudarle a Evitar la Ejecucion Hipotecaria Liame al numero que aparece en la notificacion adjunta para obtener ma's informacion Cuando Ilame, por favor tenga a la mano la informacion de sus ingresos y gastos para que podamos discutir cueles opciones podrian funcionar para usted. Opciones a considerar si su objetivo es permanecer en su Casa .� :.:: ... ::: ::: : : :::::: ::: ::. Home Affordable Es un programa del gobierno federal que le pernAe•pagar el prestamo bajo los nuevos Modification terminos acordados, que pueden incluir la reduccibn de la tasa de interes, agregar Program (HAMP) cantidades vencidos al final del prestamo, y/o extender el plazo del prestamo. Usted . puede calificar para este programa si cumple con los siguientes requisitos: • La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750 dblares para una vivienda unifamiliar, $934,200 dblares para una propiedad de 2 unidades, $1,129,250 dblares para una propiedad de 3 unidades o $1,403,400 para una propiedad de 4 unidades • Usted ha documentado que atraviesa por una dificultad financiera y declarado que no tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca. • Obtuvo su hipoteca antes del 1 de enero de 2009. • La propiedad que garantiza el prestamo hipotecaria no ha sides condenada o no esM en malas condiciones fisicas como para no poder habitarse incluso si no esta condenada. • La hipoteca esta garantizada por una propiedad de una a cuatro unidades. Restablecimient Si usted puede poner al dia los pagos de su prestamo, aceptaremos los fondos necesarios o del Prestamo para que el prestamo este al dia hasta la fecha de. la yenta. par ejecucibn hipotecaria. Plan de Pago Un plan de pago le permite a usted hater sus pagos hipotecarios regulares, ademas de pagar una porcibn de los montos vencidos a traves del tiempo..Esta puede is cluir capital, .. interes, cargos o costos aplicados a su prbstamo. Acuerdo Es un acuerdo en el cual aceptamos no proceder con la ejecucibn hipotecaria ylo el cobra Temporal de de los pagos por un periodo de tiempo, para permitirle que restablezca su habilidad de Tolerancia por hacer los pagos requeridos. incumplimiento Modificaci6n de Una modificacibn del prbstamo es un cambia en los terminos originales de su prbstamo, Prestamo Las modificaciones podrian incluir reducir su tasa de interes, extender el termino o la fecha (no por medio de pago del prestamo, cambiar de un prestamo de tasa de interes ajustable a uno de tasa de HAMP) de interes fija, diferir una parte del saldo del capital impagado al final del prestamo,.y /o condonar una parte del saldo de capital impagado. Reclamo Parcial Si usted tiene un prestamo de la Administracibn Federal de Vivienda (FHA) y sus pagos (solamente esten vencidos, pero ahora puede hater sus pagos regulares mensuales de la hipoteca, prestamos de la este programa estfi disenado para que su prestame este al dia mediante la,creacibn de FHA) una segunda hipoteca ! gravamen sabre su propiedad por el monto que este vencido. 2269590262 Opciones a considerar si no puede o no des ea quedarse en su casa Home Affordable Disenado para ayudar a los prestatarios que califican para el Programa de Home Foreclosure Affordable Modification (HAMP), pero no consiguieron obtener una modificaci6n Alternatives permanente a trav6s del programa. HAFA ofrece la posibilidad de una venta en Program (HAFA) descubierto y, si no tiene exito, una escritura de traspaso voluntario de propiedad en lugar de la ejecucibn hipotecaria. Una venta en descubierto es una transaccibn en la que usted vende su propiedad por menos de la cantidad adeudada en el pr6stamo (sujeto a previo acuerdo de su administrador / prestamista / inversionista), resultando en la liberaci6n de nuestro derecho de retenci6n sobre su propiedad y evitar la ejecucibn hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecucibn hipotecaria es una transaccibn en la que usted esta de acuerdo de transferir voluntariamente las escrituras de su propiedad a nosotros con el fin de evitar la ejecucibn hipotecaria. Venta en Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de to que descubierto/ usted adeuda, una venta en descubierto le podria permitir vender su vivienda para pagar Venta previa a la la hipoteca. En una vents en descubierto,.el prestamistaacepta.recibir una monto_menor ejecucion de to que actualmente se adeuda en el pr6stamo. Se ofrece a los prestatarios que no hipotecaria (no por califican para HAMP o para otras alternativas de retenci6n de la vivienda. medio de HAFA) Escritura de Se usa Como una alternative de la ejecucibn hipotecaria. Con une'escritura de traspaso traspaso de voluntario de propiedad en lugar de la ejecucibn hipotecaria, usted transfiere la titularidad propiedad en lugar de su vivienda y toda la propiedad que garantiza su pr6stamo hipotecario. Esto puede de la ejecucion hacer que el monto total vencido de esa hipoteca se considere como pagado. Se ofrece a hipotecaria (no por prestatarios que no califican para HAMP u otras opciones de retenci6n de vivienda, y que medio de HAFA) no pudieron vender la propiedad a trav6s de "una vents en descubierta. Estamos aqui para ayudarle. Por favor Ilamenos hoy. FORM 2 < IN THE COURT OF COMMON PLEAS Old <� - l CUMBERLAND COUNTY, PENT`'SYL`' O �+� Plaintiff(s) a �lKl� YIO.C. W• — Defendt S ✓✓ " Civil �` ,G () --{ NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in a court- supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a layer, you must take the following steps to be eligible for a conciliation conference. First, within twenty (20) days of your receipt of this notice, you must contact MidPenn Legal Services at. (717) 243 -9400 extension 2510 or (800) 822 -5288 extension 2510 and request appointment of a legal representative at no charge to you. Once you have been appointed a legal representative you must promptly meet with that legal representative within twenty (20) days of the appointment date, During that meeting, y must provide the legal representative with all requested financial information so that a loan . resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court. which must be filed with the Court within sixty (60) days of the service upon you of 1 1 the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer, you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto, your lawyer will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. if you do so and a conciliation conference is scheduled. you will have an U l utiur°ii'v iv SIlEEt Vd3tii a representative of :'Gur le;lder, in. ai: a�ter:.;.p' to .. ::; i r c a ..able rran. i P"� 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 s itted: Date [Signature of C1 JZAB ELT4'1a1A§�ALL, ESQ, PA ID 77788 a . FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland County Court of Common Pleas Docket # BORROWER REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance, your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: CUSTOMERIPRIMARY APPLICANT Borrower name(s): Property Address: City: State: Zip: Is the property for sale? Yes ❑ No ❑ Listing date: Price: $ Realtor Name: Realtor Phone: Borrower Occupied? Yes ❑ No ❑ Mailing Address (if different): City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household: How long? Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household.: How long? FINANCIAL INFO 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: S 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: Homer $ $ Other Real Estate: S $ Retirement Funds: $ $ Investments: $ $ Checking: S $ Savings: $ $ Other: $ $ Automobile 41: Model: Year: Amount owed: Value: Automobile #2 : Model: Year: Amount owed: Value: Other transportation. (automobiles, boats, motorcycles): Model: Year: Amount- owed: Value M.onthiv Income Name of Employers: 1. J. Additional Income Description (not waves): 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" Mort awe Utilities Car Payment(s) Cund.o/Nei h. Fees Auto Insurance Med. (not covered) Auto fuel/repairs Other prop. Install. Loan Payment Cable TV Su porU lim Spending Monev 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: .............. _......................._._....................... ...... ......... ............. _..._.._ x • . = 1 ' - Email: Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance? Yes ❑ No ❑ If yes, please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? Yes ❑ No ❑ If yes. please indicate the status of those negotiations: Please provide the following information, if know, regarding your lender or Lender's loan servicing company: Lender's Contact (Name): Phone: Servicing Company (Name) Contact: Phone: AUTHORIZATION I /we. authorize the above named to use /refer this information to my lender /servicer for the sole purpose of evaluating my financial situation for possible mortgage options. Vwe understand that I /we am /are under no obligation to use the services provided by the above named. Borrower Signature Date Co- Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: V Proof of income Past 2 bank statements ! ..Proof of any expected income for the last 45 days V Copy of a current utility bill V Letter explaining reason for delinquency and any supporting documentation (hardship letter) Listing agreement (if property is currently on the market) .. . ......... .... ....... ............... ............................. ..._............_.......... A FORM 3 ref : IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSI 1.VANIA Plaintiff(s) �J All �Gl'1 De endant(s) CIVIL REQUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order dated 2012 governing the Cumberland County Residential Mortgage Foreclosure Diversion Program, the undersigned hereby certifies as fol..lows 1. Defendant is the owner of the real property which is the subject of this inortgaLTe foreclosure action; 2. Defendant lives in the subject real property, which is defendant's primary residence; �. Defendant has been served with a "Notice of Residential Mortgage Foreclosure Diversion Pro <aram" and has taken all of the steps required in that Notice to be eligible to participate in a court- supervised conciliation conference. The undersigned verifies that the statements made herein are true and correct. I understand that false statements are made subject to the penalties of 1.8 Pa. C.S. §4904 relating to unsworn falsification to authorities. Signature of Defendant's Counsel/Appointed Date Legal Representative Signature of Defendant Date Signature of .Defendant Date UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF BY: MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG ESQUIRE - ID #45362 LORRAINE GAZZARA DOYLE, ESQUIRE - ID #34576 SHERRI J. BRAUNSTEIN, ESQUIRE - ID #90675 SALVATORE CAROLLO, ESQUIRE - ID #311050, HARRY B. REESE, ESQUIRE - ID #310501 -� ELIZABETH L. WASSALL, ESQUIRE - ID #77788 rn W JOHN ERIC KISHBAUGH, ESQUIRE - ID #33078. � rn NICOLE B. LABLETTA, ESQUIRE - ID #202194 c� DAVID NEEREN, ESQUIRE - ID #204252 o JORDAN DAVID, ESQUIRE - ID #311968 E5 WOODCREST CORPORATE CENTER' III WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003 -3620 856- 669 -5400 Pleadin ar u ren.com Bank of America, N.A COURT OF COMMON PLEAS 16001 North Dallas Parkway, Addison, TX 75006 CIVIL DIVISION Plaintiff CUMBERLAND County V. ' Michael Beck a/k/a Michael W. Beck 102 North 27th Street NO. Camp Hill, PA 17011 Rachel Beck a /k/a Rachel E. Beck 102 North 27th Street Camp Hill, PA 17011 Defendant(s) ENTRY OF APPEARANCE TO THE PROTHONOTARY: Kindly enter the appearance of the following counsel: Mark J. Udren, Esquire; Stuart Winneg, Esquire; Lorraine Gazzara Doyle, Esquire; Sherri J. Braunstein, Esquire; Harry B. Reese, Esquire; Salvatore Carollo, Esquire; Elizabeth L. Wassail, Esquire; John Eric Kishbaugh, Esquire; Nicole B. LaBletta, Esquire; David Neeren, Esquire, and Jordan David, Esquire on behalf of the Plaintiff, in the above - captioned matter. UDREN LAW OFFICES, P.C. BY / L ESQ ELIZAB P H ID 77788 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson ;} °f i r � .1 V Sheriff ,. Tfii r'. I4C� i , , X11111, �t �f�r�Prc�r'ar� Jody S Smith Chief Deputy ;4� 2013 JUL 10 A� . � Richard W Stewart ¢ CUMBERLAND C0UNT'l' Solicitor O=rC=OF TIME V-=Rfra p ENN S y »V AN I A Bank of America, N.A. Case Number vs. Michael Beck(et al.) 2013-3608 SHERIFF'S RETURN OF SERVICE 07/01/2013 04:06 PM-Deputy Shawn Harrison, being duly sworn according to law, served the re u sted Complaint in Mortgage Foreclosure by handing a true copy to a person representin a sely s to be Adrienne Beck, mother,who accepted as"Adult Person in Charge"for Michael B k t 1 2 orth 7th Street, Camp Hill Borough, Camp Hill, PA 17011. SH N HARR EPUTY 07101/2013 04:06 PM-Deputy Shawn Harrison, being duly sworn according to law, s ed the equ steel Complaint in Mortgage Foreclosure by handing a true copy to a person representi g t ems es t be Adrienne Beck, Mother in law,who accepted as"Adult Person in Charge"for Ra hel e k t 102 orth 27th Street, Camp Hill Borough, Camp Hill, PA 17011. SH HARRISON, DEPUTY SHERIFF COST: $60.95 SO ANSWERS , July 05, 2013 RbWY R ANDERSON, SHERIFF (c)CountySuite Sheriff,7eleosott.Inc. UDREN LAW OFFICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadingl_@udren.com Bank of America, N.A Plaintiff v. MICHAEL BECK A/K/A MICHAEL W. BECK; RACHEL BECK A/K/A RACHEL E. BECK; et al Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE NO. 13-3608 PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE TO THE PROTHONOTARY: C— cn —0 CA) Kindly mark the above DISCONTINUED WITHOUT PREJUDICE, upon payrnentcc'f your costs only. DATED: G MJU#:. 13040550 CASE#: 13040550-1 UDREN L r - BY: Atiprne Da intiff eeren, PAID 204252