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HomeMy WebLinkAbout13-4502 x J Court of Common Pleas Civil Cover Sheet or Prothonotary Use Onl Docket No: Cumberland County The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service o leadin s or other papers as required by law or rules of court. Commencement of Action: ® Complaint ❑ Writ of Summons ❑ Petition S ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking E Lead Plaintiff's Name: U.S. Bank, National Lead Defendant's Name: Cory L. Shotzberger; C Association, as Trustee for the Certificateholders of Barbara A. Baer CWMBS, Inc., CWMBS Reperforming Loan REMIC T Trust, Certificates, Series 2005 -R3 I Dollar Amount Requested: El within arbitration limits p Are money damages requested ?: ❑ Yes ® No (Check one) ® outside arbitration limits N Is this a Class Action Suit? ❑ Yes ® No Is this an MDJ Appeal? ❑ Yes ® No A Name of Plaintiff /Appellant's Attorney: Christopher A. DeNardo, Esquire ❑ 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 S ❑ Product Liability (does not ❑ Employment Dispute: include mass tort) Discrimination E ❑ Slander /Libel/Defamation ❑ Employment Dispute: Other C F Other: E] Zoning Board T ❑ Other: I ❑ Other: O MASS TORT N ❑ Asbestos ❑ 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 LIABILITY ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto ❑ Dental ❑ Partition ❑ Replevin ❑ Legal ❑ Quiet Title ❑ Other: ❑ Medical ❑ Other: ❑ Other Professional: Updated 1 /1/2011 s e SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 KASSIA FIALKOFF, ESQUIRE, ATTORNEY I.D. NO. 310530 -- •' 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278 -6800 S & D FILE NO. 13- 043492 U.S. Bank, National Association, as Trustee COURT OF COMMON PLEAS for the Certificateholders of CWMBS, Inc., CIVIL DIVISION -, CWMBS Reperforming Loan REMIC Trust, CUMBERLAND COUNTY Certificates, Series 2005 -R3 PLAINTIFF NO: �/�/ VS. ; Barbara A. Baer 137 South Enola Drive Enola, PA 17025 Cory L. Shotzberger 137 South Enola Drive Enola, PA 17025 DEFENDANTS COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE 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 OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. 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. (�t , s Cumberland. County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717- 249 -3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. 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 Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717 - 249 -3166 r SHAPIRO & DeNARDO, LLC (7) BY: CHRISTOPHER A. DeNARDO ESQUIRE ATTORNEY I.D. NO. 78447 ` =k CAITLIN M. DONNELLY ESQUIRE ATTORNEY I.D. NO. 311403 KASSIA FIALKOFF, ESQUIRE, ATTORNEY I.D. NO. 310530 u,r 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278 -6800 S & D FILE NO. 13- 043492 � ? U.S. Bank, National Association, as Trustee COURT OF COMMON PLEAS for the Certificateholders of CWMBS, Inc., CIVIL DIVISION CWMBS Reperforming Loan REMIC Trust, CUMBERLAND COUNTY Certificates, Series 2005 -R3 PLAINTIFF NO: VS. Barbara A. Baer 137 South Enola Drive Enola, PA 17025 i Cory L. Shotzberger 137 South Enola Drive Enola, PA 17025 DEFENDANTS COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, U.S. Bank, National Association, as Trustee for the Certificateholders of CWMBS, Inc., CWMBS Reperforming Loan REMIC Trust, Certificates, Series 2005 -R3, the address of which is, c/o Bank of America, N.A., 400 Countrywide Way, Simi Valley, California 93065 -6298, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage Mortgagee Mortgage Electronic Registration Systems, Inc., as nominee for Countrywide Home Loans, Inc., its successors and assigns Mort ag Cory L. Shotzberger and Barbara A. Baer (b) Date of Mortgage April 15, 2003 (c) Place and Date of Record of Mortgage Recorder of Deeds Cumberland County Mortgage Book 1806, Page 1917 Date: April 17, 2003 t The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. (d) Assignments Assignor: Mortgage Electronic Registration Systems, Inc., as nominee for Countrywide Home Loans, Inc., its successors and assigns Assignee: U.S. Bank, National Association, as Trustee for the Certificateholders of CWMBS, Inc., CWMBS Reperforming Loan REMIC Trust, Certificates, Series 2005 -R3 Date of Assignment: February 16, 2012 Recording Date: February 29, 2012 Instrument No.: 201206000 2. Plaintiff is, therefore, either the original Note Holder, the legal successor in interest to the original Note Holder, or is the present holder of the mortgage by operation of law. 3. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by operation of law. 4. The real property which is subject to the Mortgage is generally known as 137 South Enola Drive, Enola, PA 17025 and is more specifically described as attached as part of Exhibit "A ". 5. Each Mortgagor named in Paragraph 1 executed a note as evidence of the debt secured by the Mortgage (the "Note "). A true and correct copy of the Note is attached and marked as Exhibit "B ". 6. The names and mailing addresses of the Defendants are: Cory L. Shotzberger, 137 South Enola Drive, Enola, PA 17025 and Barbara A. Baer, 137 South Enola Drive, Enola, PA 17025. 7. The interest. of each individual Defendant is as Mortgagor, Real Owner, or both. 8. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of March 1, 2013 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 9. The following amounts are due as of July 31, 2013: Principal Balance Due $49,206.91 Interest Currently Due and Owing at 6% $1,476.18 From February 1, 2013 through July 31, 2013 r Late Charges $363.54 Escrow Balance ($212.55) Property Inspection $30.00 Foreclosure Fees ($125.00) TOTAL $50,739.08 10. Interest will continue to accrue each month that the debt remains unpaid, subject to further adjustment as set forth. in the underlying Mortgage and Note, and Plaintiff may incur other expenses, costs and charges collectible under the Note and Mortgage. 11. In addition to the above amounts, reasonably incurred attorneys fees and costs as well as proof of title in conformity with the mortgage documents and Pennsylvania law, shall be sought by Plaintiff and included in any request for judgment. 12. Notice of Intention to Foreclose with the information required pursuant to 41 P.S. § 403 commonly known as Act 6 and demand for payment was sent to each individual Defendant by Certified and Regular Mail. Copies of the Notice are attached as Exhibit "C ". 13. The Mortgage is insured by the Federal Housing Administration under Title II of the National Housing Act (12 U.S.C. § 1707- 1715z -18). Accordingly, the Homeowners' Emergency Assistance Act of 1983, 35 P.S. § 1680.402c is not applicable. WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO & DeNARDO, LLC Date: °1 431 ) 61 1 BY: Atto eys for aint S & D File No. 13- 043492 ,-:,g 1 1' )iZ C`(Pl�t/[``:{�yF V/1a�i Dr 44 �.03 f'f 17 9 y l eT` sy, bf7ti i 1?W�DE ] 6T b. NM- XNC !. hSTt ti�I;E b Nett ,` ry ?ce `T S T •�i ir+VW.VA'u.11'1 VVM�171.L�f� .Van tOvya � CA 9141Q= 0423 � ` , jB�iece'Above This Llne �`or RoEOrdk�g`Ilstu] avt o1i nfliriitt { ' c CNa �,. J Wj F: MS MORTGACx& I( "Sernuity 5nstrument") rs given on APRIL 15,' 2403. Tbc mortgagor TO t (±'BOciower "} "ibis awrity Tn eament is m 1Vi ag4 'Mecttoni6'fuostiaaon iris (" AVERS "), tsoie�y as. nominee GorendGr, as ht�i>fter defined, and:Le�tder's succeseorx atci! assignsj, .as, mortgagee.. a�izp�l a>id eXtet�uag 6de,C t6lawa UDetaware and dial an address and;telenhbn ti tuber oCP,t7. Box stns, Mutt, � assob teI i8$ti 679 i t or u : tfic � b�vYs a> M Yfl#2I l ,and has an Ji a {` s� is f } !_y y �45 w it Y tr r �ran���� �a�.��sa8, �c� .��oa � �.�� t _� , , fti Borroi�ar -�vres Leet4d dal stem of y � b; _ a } �'IF'1`�f�`Ja �:TAC��! � Fp�Ft fi(71Q#�tt�''t5 IFxY DNE d�ci RO /�: _ - Dolfera U S x:;.58 951 0 )...T(1ts debt is evidGriced' by Boaowets•u to dated the same date . ae the eaunry Iftl6n i mote') which provides fay utonthty payments, w,th the iull.d�bt, if >fot paid eatrlfer, dua aid payle on t�tA"Y 01, 2033 Thus Seouxitg rnstrumenl secures to Yenda ;: (a). . 1 4 y Ha tyetinritv4tita lr tlrtUtEFts� �' r s3 � ruri(C(�/OSJ{d� VMPfbRTG t nantis Sado�r>� �esi f ; amended 6402 „ 23ti87 4N" f • '"' , ,. t uF N JJ @ 11 t s o d 'lop E { Y p F a y � F .r •. � t .f ;F r ,, "y C. 1 3. 3 v n' ! a � ' ' f� F•+ tt ! � t- � t R 3 I, , rs i4 � € 3 ,+ , D6c TD the rapayijaezyi ofthe debt evidtnced.'by the Mote, with interest, and atlrenewals, cx*n and modifloations of the T�iate, (la) fhe payrft ref iU other' -gar ,' with interest, advanced .pads paragraph to pzntect the seotl tg : oi thrs.Securtty:Insauinent, and (c) the perfprmaace of Borrowers ctiveliaitts a agreem under this Seettrltp 4n>_and ho Nate. F►pr tins par lse, Borrower zloes hFt pracagage, grM End convey.to 4 kc!25'tor1 as no t{nd Tetxirx'stcc ors aksg} And Ad Vie : saeceseosa and assigns Df fR t.� fisfitlw�lg� i t'�R� �rope�ty'�DCated � � ` F �arl�ia # coy, Peiuylvant N, 4 4 SEE zRM I8�1 °►'�1�.HFD SEFtI;T¢,1J ®MF�[3 t F t f C $ r •• � F t P t- ca. t t r s yy f H::j AI - .. tV111Cf1 itf file .&ddres9 df 137 .S tL[TOTit p€tI i .:EI30LA.. , itt. cityj. . Peualsy7varna 17D 5 ("ProperryAddress "),: ali; tkse.umpxov� nut; flO1gV "fit _ .IBC, �IQPG0y, a�Ld a�i BaSellGpDtS, ap�luCleltadc�s andv7 Gt ileTeafteXa part at t pr party X411: red) k etl,eiidi tali �1sa0 be . r davrrdd iiy ti s t a�nfsnt Al rho o o Ala r�l`trredfia 'thigi r'tr �t s dle &00,t�r;' vro�wwuil exstands;and tifa 11 1tS' toTds leg. ;fitlp:fa':`the.rote ts.'gr4nted'by. �oxro�uer tftls. Security; rlstTtlisttnt; bul, rtefi ry to cortlplp vVitft or custom; M$R$, 0i nonii tee for . T *r a ridd I.bztder'e 5pcerrsstus end assigns), has the rlgliU to exera..ise any fir ail of those interests, including, at 1 wt: 11064 bo, ttie o i to 'ftlrr lose and sell the Property, and tq take ally a.p. 09 requieed o. 1,ender - anolud%Igttbnt tlok liantec tl, �rieasia or cattcc]ing Setnty 7}R F that $ogwec i wful r r,Pa of tl�►e Mate 3jcrby conveyed attd has the rgltKmtgagr �aliG? coilvay thetopy ax►cl tiist Pt2fcctj' js eindaa►bered, except for enca�m ^ icartc � t g R y� � �� rec�d��� ♦� l�er ^ .�d 8eratkY fh� tit(e fate P a�l roperty agst all riYWi✓A sttd liWa.w -�.T'F 1 ,tF- WN�� Y 4 .� F - F f f ? • �'pH1S SC}R�`'t Sl'R t(»>z wslfo` CtS VenAnts for uationaf:�rse Elnd nonuniform 4 coversaitt wtli` ltmtted: �ariatioii5 by itlrlictiau :iii eo fine` a'.`unTiofr�l'seatirity ° instrtiulent covering real ss p�Pt3'' if 1� i( {ta2b7t }` Ck� { , f � age } g of s k ' s bI tul F I r . t ii ' Ei:::.: i' e;::: : e :'. &'F::_s'::i: '!+• .r,. p. •'t -...i i.' i3: . i i. •,r , 1 '7` Y ` SS RY. - 1= �i i.: uk z .i •{, + t- -kit. �, ! :. '.� . : §a— .,t' Vii. �.�l •: ' •.li:.' a 14 CASE ' .`lk:i - ..... .. _. DOC . a D } ss.f� 't�IVB;y': • - .. e iteteeti: °;wnc ttie i of and tk .G to $o rbv er., p Y.. _ P 1 , itT est .tl `:�ietii` ,e ; ' %t1ie:)�tite:'tt�;�at¢." t5` ,'briffya�rim�Cairee;eeb Ct►aigesoro; ex,stb�pi�.'�ct each n�ioritFity NYrn blurr for In c'1�1ht.awirttee', a"acrioir :ra) tfiotts a ai asse 7'dvi or to` �e �lve agAfnpE thdpeiy;`: (b }7oA3ctidtd �ayr�et►s br. grbumd : Merits ° Oii :tfCe F'rbperty, and ( c'j.:preum9 . for .insui'ditce requi[ed odder PB?t►Pb any. year in which the anst�art Lender tdiuet :pay..a ioi0rt� " ce. pt�iinal`o6 the SeC et�cy: o>� .Fio�fsin$ and :.Urban Development:. 0i;in tq :y r In w6iic l :prornturt *waula liave;br n xctlliired i P L c�iclei.stilt held'itie Security ngWti aGt►(': eaafi :mantbty t shell also artohide "either; (I) a sum fot te: pppkjtll ?norfgr�ge insurance j prcantuliS. bc� patf!y _ �,theotarjl, �' { ) glymgnthl<ehrge.dnstediof,;a .mortgage :insiiratide : i n tqn tftf4,S u ;s °t:a -fi@li{ #re „lna easbn b. a�'mblint:to :bc;deteimined by the fad t y�°o�r t`gd;fs e' i t 'y�= ese tai s•�reY "Wl"M ovv Iterns'� aid ttie snrns ��y iilfei` ari. tiritl' <` a' i Q 'ts��ftir ":�3;4ci�ou'v,� bx(itt§;,_ :. �b4•. :;)'oi.:B4rtvvc:se 8 00ti€• 'iriKiti'' " ' `ef emet` ►i `Fxbeeaus' 197 iC 4 ` e #5n ? 1 er s qr :liSnp7etberit ng nc`gulatioriis 2 APR' , ar6 SQb` hs ti►ey rnh tie $crm:timts tot ie A'7, exoept;thm t}ie`cuAshion ox reserve permitted _' 11y 133! far iitiliiarsemai[ts'or du�lsiirsernerifB ticfoe: thg )3brrower':8`payinet�ts are available in' i the atus tt i}iay i►okbe b�aed ozi:tmiounts duo or. the mortgage-i6c iraace pvin um;.:: . 1f the amount$ had I nder for Pscrow means exceed tlta mimts.perfiil1 d. to:be:lild by'Ii13�SPA, lueada4t duepibn , H'btu fbr tbe eRCess fufltla b RiS>?e�; f;tliacpouttts` of. funds held by . ,M z * tui s ent to pay�tfte 's wheel ,dn�, I $ ttzo BorrDwer-and a��vseto t(t�nai it 'r.;atl''sdms fie�ittcd this ecnritylrsstttimr L If r oiXOtS+EY 'W� �IIISC y�k.4 'ATj B�G l R 3 PQVC}�'C Co`b _ e Cted> tad tb al bxleiii otexnaiiiig:,A1( tts'� (c).d' a oo. zezn� i :y �� alit .....:..... !!L t:� f'D''to':th..�S,eaP` l�isdcr;i�- :re fiu - ces .Y fuunda to: Btitistwer Ythuietilafe }%'prior to a Foreclosure :ale of Ehe )?foperty'oo�' its.'acgnisition::by Leader, nrrotwer'lacaoagdt stia11 1te'txtsdi[cd wtth'sr a ry balanccaemeit fgr:all iiustalhnents for Items (a), (b);. and (c), pyiirir.All ps1'nrtenbs :tvnec;.pacagiphs i' aria shall; applies by Leiter .as p t�IG:X7J1(t_ Itli4llCaQ e:'j C21611U1]:.tQ Qld .Lrar►det tt1:1hZ, ref OI tblte I* thl : Ch . . ... .. p pop 1p'►{�• +MVLL'NI. : e' : > j '}y;. .:':i - �; f v� •: l::.i; .3':; -- `"` f.•• . -,. .�..;"x.!"Ka. °g . _ �..... •.�ati . :::^ .£f` .: ,,,.. : ..1 _ !�'•1.t 1. :'t a�Rar`Fi • - d�; ✓ : ;:a.r .r r, . }'i . iii:( i.{ , , �... �t e ;tiit�:�r�th d`5'otr =;. l....;.. , .: : �, .: .. .. ; tu.'•atnQ . gs.o f:the'�=tln rite 't_ >:� -� t:,�Y ::i« • • '� O ?i4�- � i�1CaNOtr:''t�ir. .�L'.:•;'t...L'. . 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Lu '� =' z.ilblo:claiisi►s tEi° dI �q a:f ;'6dce' iet�)4: f►det: . + ,N n gictty;ole 9°, Cri Salt: ,vo i. rata }xloq` e y '� :Lctider may malcc' of :.I:.. dsc?d _ e b t 3�t±`et'sBa 1 ; ; t pa ty t orice�eh� zs�her. ranthtsri ` iid dtreeie d :. t lo malre p aym ?{t for 90CI� 1pr directly W') kfieie `i ": t d;ti tb` o rl r a n `�b t3 8rt - is :�: • _ t. a {•' i' J t:�!' ^{= 'y::.'i:.l E:_.rx..;tl ; "'i' " .:: ..;. • I`.� K 18 : 0 . a P.G . #. :9: ....9 •i 1 ._y r i i' S ,. ice ... .. .- � ,.3. reT- . is , 'k.• �.*i`.:: r,i � ..; 1.: .'1 .�:.{ ..C. :7 c�1 S .•y� r i. �t �: fi•'`: ! 5 _ .... ......... ... _......'i.(v. ,. ?3=._,�Is ...... t'a.. i rf•'...; si.,. _a - .E h:. .:.t ;:iv'•�5 , x 't. I , ( i. •tf r r � t di ••'. ' F• %i ' `f< _ t: 5 S•, S } ,.f _ - t ij J _ '.,r�U ^'��:. of s,q •.:F i ":p t... %� . ; ,.., i .f• .. "h . :'Y is •' iii .'r,f��`,' ;f' �:: , t;4Y�� Ep a;f "t�". •� • i. ,i•. "�, t. F. i t 1: •.7 •Sr k'. SE" r''� [ t.. `i. - K «I' 1 _ i a•. DOC tif'.tlia'Inktrrai ". Y any bts'r 'Beds tdrr < tin''sattii`r.<' tto< ret9iCtion i f the ndeb_tWnp t o;i ? a oo�yx t 5 tst t6 z +: e3 n te3st F gn a�p13 Sri :Ui order ' ': } in } st h' t iii `t(i`prBPayt tit of 3 1, k (b) r s;Ihe tied tidn obi' �o $s daze igctl Yiio`E it3. . Anyplsc► o #;tltceed;to tlih':PiYaPal Mall :nod extattii .tEie'due: date of. the monthty peyti4etet7t uc'h.ata rdfetre'd inparagtaptt �, or c#tattgt flee'a»soiint ref kidspayment�s: lSrsy ezcesa insuranee P. t3t'#s an. amount `�, fo pay. all ouistsiedect�; teoiiess under t3td Rote and' ibis Security Instt ciit :hall l5e`pi �d to, the etiiity legaTljf: ittitled'.fhereto :IiE'fh4 "eaCriT of tf lf� s of .this .Sanity - E or tD tk>t r tlanafcr of fide' °to the!PropcAy that Tt 'fit aif s; a ihde s M ftg#it title,�eii��in; of orroavcr�n,�nd xb'u� cepoYicies id force shall tM,.^, ( p� .! ytt 2 1 ? ftJ•_ : {• ..�::. ON7 " � .;12.tdr . . . . 2:. &I` aiscl f '6' ^, an . f .1 s. t.,•`` � �i�d,` ,� • �o , e. � �. f?��'3 ::BarroWeir's:': Ai'ttltiiu� "sY @T e'dW dltl " <�att�bf• {issc Ise f 'i @` a� °B�►rro `er'e:.pYttcipel ti n :' ,naideuccriv>ttbm tytday aE Fhd eeOni:,o tlfs S; '. tp Tt�sr4a► (nths{ityk5f a isFsi t sale °:- gi aifl ei��® th`e to y; 3�i'a�l:ooritintyc tts tieL�u �'ropdttq.as? o dot%eYrS -P expal�r" er[ce�for at .loacc:� afttKr:t)►e' of ocatpati °: d es <tfs t;: tCgtnte ►neait.�vill.caose`urtdne utt herds ouower, - unitses',0amupatft clrotunstatiCes e e whit ?6re be pu l3orraw6 s. cft rol' :orraWer`.gtiall nnuf'g Y eudeof aay extPxittating. cikcncnstaiices : mower shell .ttot'aonuriii waste or destroy,. . damage o�c sabstetlty chtge tftc iPropbtty or atlbw the 1?roperiy Yo detenorate,'reasonable wear and scar eXce ted t elwee map ntts t Property' xf the 'ropert is vacant or abandoned n r:the ioan;is iri.tiefault. Uka;tr s 3 `�da{sti� rct t dae er>ve pabt as t o5 Eab cmettri opeity. i3oiirbwa shat] ; It ii l p f T ri g itte boa 'I tt Eup��t<15r eks.t goi��e tna#e Idll� #else. ;or o 'Snacrarate A xt # 7 a r'•' :3iifor nabi fate ?� d'; 1 �� y ` {pX: eiiad bd' L it4rarW,ith any mAtealaf uifmaaWlk) iii connection ivlih t�i ` ti?. ". r�V?t tl� °"'7 1IlG �`It�tb. Atl pdit ; _ .1 � I IrLIwf t0; C�CIltatl�Tj$ C(fItCerIt1I!$E OtxOW B giney prinrpsl.reaa'If th`Sccur}ty:XnsCt ` i35n "1easehId Boftower }otlte:loase IfBipwex:hynlres:fee e;lohe l�rtfpet5: the ° IeAfichoYd'anQ . fee asalglf tncxess 1;469 'Or. e�s.x. Uie ber ui •VYzlfldtgr aeannaf�an;.'1'ti�, pz�ipeede:;vrny: award or �olaim.:fot ,dtunageR direct' or:'..consriiueniial;' in ;connaott i= otitledinadon otbe; tatangof an�!•part of tRe Prouty or fCt eoiiveyanee in'piace of ' ark =httreb� geed rind :tiEi� be pa►d'tol Leader m the ebttstit of foe :dill :lisnburtt of -the ?naebtedrtM that- rerpaiti9'tlmpaid ur►des ]fee Nofe and this SeCUtity, Inapugtetit Leader shall' app] such s . :t1#KVCC�;7� d t o f o _the utedebiec�itt &kxit igr fhe fl ot4 artd :tfti� ecu t Ijisfcnntt l. to any . j` t ale t bd6 > w ]� tt' tf.;ordet pde<1 l t aphk�;t "Aed fitter} t8yi of principal: Aay t >,(L! Irt�l'rC> z 6 � ,{{E$a��@ -�� • t F I S�,tlall` o lt`tG`t"ta Y r�108 llt` � Q IIte Il'SQr1ItIl , • �'11C11f3 t . illj t1 [- �;,:,if"..•; . tv ck,ac tof ed f in; ph' , or rbangb CO suph.:psyM r��'Auy 7cc . p7coceeds over ari . i' : tunotint r wrcd'to' p y g uidebt riesa tundtow, 0 bre:ariiif eo>iti$y;l u din sti'al tie:p l aid {, r ° `' 1 7�r oit�r��r:anil Profo ok► of ond& T Ia ha Pr�u�or[y= $atmwrx'satiafl.pay M gove�t4time ►ts14� ip charged, Hn gird emposjmi that are. trot ioCluded iit'para$rdph I.Boiiow, shall '. 3h�; bbf,gatonp on (time flireetlp',to tlte,setttlfy,'whidfi is owed tlit'.p�yxncnt - If faihire to pxy aouid aiivetser aet r Gntlbr'S ittt8fost in itte .&Opaarty, ender'e igaestBdrrbwtr shall pcomptiy ^furnish to l:2endoi•itpts evidctt�mg tft p�gut .'.: ;;: ; : ; :..: :_ :..:: :..- I> et: tti`' keah a' ar; e. n_tar ... 2'. r p .. ...: x{ �� o •Paris`to. rt'arm . .•'Yi',`! I. �•ki:+ 'lr'•.; ..• .: .:' :. ' : :aIL : p1Aai1TOYItBittedall i i' tilEtt`,P.t'$• that L "f" r .f. .0 Lt` v tk:n� t:• Y' a)!' et - Hl a� CGR)IQ �caiitty. i���#ltta in iris h G ut baiupCfidernort f• fi ,5+ F• 3. ; _ tt] .to fc e.Jaivsot ot3s ;;t1i?i: Ft:ma o• wfiat© ery'to 'trW-18 ec s:: m t..tlit.+ralne:of i b: ui fire- "h in t°ncnrb :tBx m � a f � `reties " : thr�:fttou . .y ta. g, #d. �1 2 rk � two do . „loch - {Y=" � - ��i ' ;'n' s_ +kpre _ 1d3 of � ' l;aaale: • rF .:•fit; �. Y ].i'• t , 4' . '•Cy"t�. } : }r.. •. i�" ..1., . ��E. ,..E;! " ?: E f. E ' IM } :i. . t . if : .._? :.•ern - �E: 7;ti5:'.��., �t: U .. �'.a, , Ki\• SE•• :•;4' t :b �.4';.� i�� ' : `3`;:; :): :: i;.. 13 ::' ?..:' "A " �:'ic•..7. t: is ' .. _ •} i : :;��"215:�.:1%- �' +xt '>t..>r %"�::' .i;- '�`'• _��x._ . g _ i - } �r5•t r � � "' [ x if' , • it tF.' 'S:. k:f: - �'V.. �, �'. ••r �.i r: k - cf' 1' i x:�i,• a' ''t �� F` K ` .tf <l�T .jrr :G' ! �r• r= � t` f= t• � V t i r= d. .2+ : 1 '�• Y. !• yy y' r` t l 1. ut - • 'r1 i. -t. :3 r - tr r • _ e t 4, • 'C - i.. N• i Atry':airiotiat.§ disbnrged by �.onder under this paragoaph shall'beeome an additional debt of. Dotrowor and be secttred'by- ihis SoLauty' stfitrrient Wiese aworints shall bear lntdre s[ frgtn :tha data of di cboresetnemt,:'at the Note:ta`[e �sd'atthe'opti0A 0f 1, tiller; sba be.irni7►ediateI� due'andT $ osziweF;, stta''�ro#�apy;ischar�e: a�iy lie{i whits �txorlry over. rfus Serity:dnstiument:uniesa 2o;the:Q. {;f.;die.i1i by1'..t?cy . ttlrt.e:tirter acceptable to 'ryd _ :.j.r ...e;: x - p t >t - ,: -r., .t'. •.rr: �+. .ed ,r.ti:...<._. ..:� i• s . ,b p i} /.¢ :f tir:: C liitrt ° :1i 't► #: an a' edit d ttta:l3ai Pmcecdings - •.:/ - _ ��.. i.. ,• ,:iM;[_ -{t.t cam.. '�.: 1� •:... .. ili` i�t s t' ':etlYo e, br. c 'secures,frbta the of tubbr�izilab yt `'t�Ce efii p:ifi'g.t ca istiibfrieri #::' :I�ertder: p u' , 'fit tti:a lit'1vidi:iria �a air,.tivcar;:tlis'`Seaori defsi?oalric;: Eh f._ar' t) 4 Qte: � f Y.. J. y'_, tY ;,;':`" 'ci:ia. Ces>dn lsctt;Bturo�v .s3KAll;sa the "L.en;or#akcone ' nr . Abave 10.day�:_of.:the;givmgof nefice ees;• . ;insyraalloat eet'aad,charge� tliorizcd.bytlse Secretary;: 9: iGrbu cda�far; dob o[ .Debt. i ` ()` Deb' "` tiny, except as ed'by iegnlatioiis iasid"Fiy'tf�e Se'cic�tary 'n .ttie • cese of payment def nita; xeq�utc hate paYatont in hil l of 41 sins secured by this Set�rntq Instii�ent :i;i:C'' ? 1` �:9;<: f :a �'� :S jp : �.� . t.;; ' i'�;,.:r.r; . :Z,i° + M,� ;, � +.��:;.•.., . eft . : "k 1 ' �i't ' :f :.' ?',2. - . 7i ..q .rr i'r.: r -..Y; ' r;G� � t?,.. •.f: l:: j � y 1 ,<{ •Ji ;:lill7 ed 't1tJA ttri - ..ir f'` tllis > , t0'v tKtfl SCC -... ( i `'�'di`ra ��' •f� � :�;... �:�Y:.:_.. :. p � .7+ _ .9�'. tY - . <r[„�•< \ �.,.,:.� y �_ MT'. .J.. •e4 +;:°'�: G '- .'2 H::.<:,. . -..:da s$ - f•�.. :t: w' Yaiitlse:tttle`da ani mote a, of r r :1� . ty ' ' z eSt Ylatitul s`:: fai] ' 3' f_oi; :'" :of` "da s `f6�,'' Psarttr. u1y of o1i1igeuons f r-t J tt "ol 'i;;t '� p �: ROW �. �: ,.?� C. -�. . . 3 'F( }. af: Qe in t i ty' Act oP t48L, - 11.U.S.' iy01j =3(d)) and with <':ttbor. i'rovsi stif the::Secretary; :ragpce i>ainediate payineot in full of''ali siints seca�ed .by 'this , . . ... :....:... Se�lirlt#!:]Ilt�tCpl��a�ifi the'pib¢suty qr a bes a iclal iritairest iii:a trust dtwsuag `afl Or: `o$. the Ptope n'3' ia.sgld'g otheeesE_tcQnsfeiretlttotEiec tan.by: vise or`disACent and Lit1Ci FCBic cn ' Or �';p P41 �i ,C; r „ -. N #' z.. :e V L n :b o ed _ - ,�: o�- s b;do"cu , tf�ti �• s, liu8. at .� PPr f i£ f� - "3 1 N r 4 - a IYInICdla L ID. : l,c,rainst (��a p ° oitr;:` C fv�oix� ;ndar 1. - ;iflilf' d_ tt e g:tor'xequixc €ship. to >sldef:cl`tCpt` .�,'?,• ^}. tl_s,a(, '. <,• `L':a �� "!'' � '.!i_7,e1: ?i tni ¢rif(ff'{. °, ., tn•45( �i1voY�' � s1' dt?'- D `5eh �mSlab fe§: $�[lati0iis,188uGU. by SCe[et8[y wig •r.::�.),' -.,.^ i ;'Iris ^�� :.C# .,she, Iimtt:T 'e .#i In tho base: of Payciient defAUItt;; : unrdediate` paym6rit h full and ' farecto C; jiot =. i 'This SeouiYCy 7ni tnimeiit 'dp'es :not' authorize; accelecbtioti or'fareeiosure if not f �.. Y s iry, a tiittgage:Nf�# Sii is aorf&Wbf a��ecs_tha t ;if hi s >SeZ�uity ItrstrutiaenY =anci the:�Tote::aic not. ;,' f •. 6ii� ` .'Y, c= foT =ifisuiYiti et;.. e' • apon in al: =AcEi i 6Q`tf8 's front dta date :�t.f#Yil.. _ •� ;8�1, $uina.::Ner�ired b• this .::.:..:....... htc J y ;� fly bri age` t1 r �C�13 9 1 '. — Pont to �` te, , ` tt � flog Serair�ty` b a;td tiro Note,..shell.be' g a~igY,ttlte¢icobf'.ogeh ' ebilifij' °I�CQvitbsteitdtgrta f t ;�tisbpt�n xtAay.t►9t be :8k' j ` tfi0 artnvaiiabl ..ty ;ofaidce�is snlelduEr `.ttleitei a f ". to 3emit •;TGr" irFi;. [4,Jjrl t[5d>xdYlft tb'tite�Sticir 6mowet: ti d t:•to' meat in tie tod'i 'P: do . ifas isYiinodiate . _ � --.. ��! . �.. pa3'.. fall beet ti# Bbrrow$t'8 #shore topaz. am-am uitt,.dne untloc the�Totc or thi§ Ser�rxiy Instrueneat 'ibis right applies e3cn nfiet fc reo�osute' ptoce ngs ate ws4Etated Tp remstaie.ttie SeCUrtty 1rtStttlxzitlCnt ; orrowcr shall . Cegairttl $ n o iding, to thc:eatetit they are tedEd6ti iet` ltUrip sum(all amounts. to brie Bono tarts aacoatit caste !ri 1 : ( 'SY .t d•+: .r ri i � 7. Y.. „ r� �r�r�S •�. z ` '': /,• : 4� - S,0•��:: >,.: y R � �::: �..:J� ! j� fit, NU✓Yl>' - ' . q ,.,� 5 3 1 u #i r� : (:•. r. qr }_ tom•.. p r• U ..E. f: S , rt ..r_ 5, X11 ,i ,e _..� .: F � {'• +'<N:•r :F�� , •. 3f, .• :.t,.; . ?r.n: ;t:. .:_.tire,: ;:,, u < .fi - _._ :k - ,:::- `j�9`i r - ff ' 1 .J : 1 yt .l p I F. ..a.. 1:' L '.I.�i •� 7 Ni -F ,r x` 1 1. 6= •1 , a E .1 ..y •t yt 'A x t : E'� F CASE;:',:" ,._�_.:, DOC D .4 - - + T: € `�thifi``S,CcuiY 00. i'. :..fit tinat tc and dut6mary itf `a " Fib pia e1`: { .:. tj+ ., ' g�" , , prp Crf�+. &ssoa. , t ° o osa;,procee rcu► r `�u►t3(3od .statemettt by BbirroWiei,c? , `eater ' ;..; :aY�c i s tha l(I sW u ut= effect aA':if Letdei had i t ret urmi di[► e f l Htiweve (',i er 11rCCI t}r?a4 tertian yf��i) :Lender .''IaS: abe0pte(t41Cd11Hta COIYII j1EI1P0�A0fIOI �'Ctfi. f P) Y 8 �:f,�cirteut:orecl¢sttre'i.�a�ding,' {iij f'aiteme�it wi71 piec2iufo 'Y¢sure it5`tlra fu tii[a, ?tit iii .reiuustdteol iic will vexs ty. a ectYtti'e p idiaty Orthe'lien.cfefite . bq diatt. C ) . • Arroweir:N t.. Nsed4.totbeaiano .8j? L;eiyd* N6fd OVaiV�r.'.l3zteuRlori of the tiEne of paymeni or ttzodi it ttose of aiitordzatton csf the silr is smimd b '.this:Secddty lnstcurnedt granted by,) cnd6i to any, s : arrest df,otgvver: shall not op °'ie to efcase: the ]inbiJlty of the.,original' Bawer or �acc s n r t iris xLc idd sHi4 I nbt x tb ` - ' , `s a amst;aizy guwessor t ° �� iti ti+ 3ttii ;e''z { j �j�� r7p, � f '{ t ', b;`��lr } � toir,,a I �ixuP!t6npe su�n.seculced'by. this :1tBtYtifli ti'P at1}.:._.. m `bwern: ^oi?dw$r's`.sdcisors in T. ..._ x. '�ttGt >focti .et Exi';e'rs<n 3d h r ' d` Fs:Allnot ta9t awi �Zte de. the ' ., - ilu. •„'tiffs' °ta , Z7u.KCtBG',t0 �a'y:•`^ zE';�'• ;z.: i. :••. � 't `<`.l�te':eb a tits' a ad j ' t%arat��Tsaabala � *` Vie. E..1� ,r.. In r ati'd:.t�ene t ifi `N'&6' sars:hrid'easl ` s Of'Iender and t men Bo ub O t to ikiaps.p'P. t :struli g. $arrocvc ',cc veaaftta ariil a meth stialJ 43e 'iiic add + + 1 p. P (b) saveial ;Airy ` orioVtar:vvtTO co 'sigtiS th 9 S wrny. awneat but:does riot e�teoute tf►e Ndte .(a) as cam- signing this:'86 iwl y Wdrnd Vd,zify,to itsdirtgage,:giant aad cozivey that Borro� Y, fort o e ePs interest m the i'ropPxty tinder the .test ofnESeawnty �fnsinenc; Wwiput tier is not pees (' lly ob]igated tb ply tile sums secured by;. this: Security 3t . s iei c) a rt ` T�tr atzd arty btt�Boti agree to extd. ztiadifY mak : }i: d`' btl 4ihS tpr ' to tha t� o �t iss GGrtrity' ltrn#rl a►t b the o 0 d w ' "Bbrmwees . 'Y,_, :. ' ,t. 'S t;, s' ? ,x.I s ti• t/ r a, * - : ,. . r ..r K }� t. •� aka. %ii�•. .. {t� r....:: .:':: •.:_ tia):£-itp�_ ff :t .. .t.V .. , U:V''dBMV.e„Cin ot� celtYi: 2} O; ri�wt' t; p' �U�t't}�oi"7rtilY�s:Sect};1't�i i .¢n., ' atl:titslM `ltd �avv' iiii xi -a o lea otle':shali;be r!. <, . •.. ,.., , - �7. , lcfc g, K . e �, . .:Atts 'bed ;�'o�► t c d' r s > Uy �S v,e;to e> Edex;��t'y':;nctt►c(k'(o ` -' ;..., �. ex� des ga�ates ttir `etgrneny class to 4ttYhaii�stnlcrirfier 'eiiioi'ririy `sY.dridf: i by mi. [.- Yio3ECO {c5 bYrbsNCr l4►y; riot�ce pYOViited to in t1►isSegoeify fnstnimetitsEiel]`•be deemed to have been given to Boriiiwei•:o ;t aticler w 'igl co , as itiert'Ih :ttiis pare h ' This. Seciiiaty: eint sha3l;be goveiicit ;byl law the lave ov the jneasd atiott u�r rvhtcb the property is located xn the i i ei% that any provasron or ,clause,of' this... titimepkta` fete oittlicts with a p ple la ., such coaflfct s , halt tioS affect othei providans of . b7(3te vVh }cfira liOp ccf ay. opy tote{ pidvtslrsrt::.To:tf►ta end .. '- Yf4e�` ito . F °�'�►� "'•aau` n aidti tlt'��'�t�"t'e'�rd'. ate•to:bc 8evbXe "�, . o .th��Tote�anti f..tb :'S uiit o�cx`stsa� ?�il�' 4 �. ce. Y•. �. - 1 yy, ^N , .: .. .:. :. .. .... ., ill6llNp�CA ►L =:f: y��,.. tt : ;.. - f } r$oxr0vee otcaase',bf`. °�q u `if a ''ein'sc;_tii 'fialfs` e ,,�..g�' :retea ' i iat�ded h of m tHe:l t$pe tpt ii}tall n til , of alto v 0 6 : 0 Op do,. eny °`•ffeaing'thC proty: thKtis iti vitilaaoi:af> any?$nviroamentai: f aw,' tie.pTeidi i two sentences islirill i�qf ! apply' z pifeseuc , e, gc 3iest�' tlinEix the a tE tSr.staYA on;Fite Pru of srttiall sties oflazeidoos Substances that' °'ge, er ty:l�eoO$ai ed,to be:app pee #o noiYsnai tesideintial: uses andto maitttcnane6 of tfie Propeny ' Ab4t`jw,sKa�l. t1" ve er VvrittOntotice airq iirvestigaliou, elaiva; demnxd, lawsuit or other acbio�a et1 re$iiiattsxy;agc puv>;attj liivgi ihe>'ioperty and'ny Hazardous A e:?if.:l3 `` et-leai�s" o i led `�. ��'• - :�' {{ ��n: �rr `e►w:..o�3ch' "�,t'o �;;�ta� :�, g�.,. b� t is tto t L p�r Oft tl tsinova`fo s•b ti nuts "pf an ::Hazardous `aR ct ` ..3 c �qf i ccsS >` -B.' 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T i= �Ie''ar..toxic • .. - ...:...........; :; >'sih ` . �b}ti1�14t � 4nxS.:tti� F f csesl se�$, ,:,.. rasxtlts acidcs='saa' tiectili�s Eatvi na avla solvents ,iatrnal�;.contliungbes�os or.:. `forin�lde de;'sind; :. i)sc fv�':ntatedals.:As : its* V.(1ris..Psra rnpli_:16� : Gaw" mans federal . iawc at�d taws t>f.t e etlott. aft c: Prop " as tocated.tttat relate td health fiafe, `,or'c nvironraetstal' Qrofeotioci c 61V= r:0... nrroviier acrd Y Lei : Her:' veriantfAn¢ sgr o4wSollgws, ..... - erstto ar all ;dit rents and �maBocvar opolly ate aiikf .etid i�et?. 4 ' 'd rtes' { . or�olga tagl.g` tcu de srgr�ri rliect! rcttts ar►d r�eenues. and :b' ep{tpfjtlteo ertyf:to �sti`'ndet �andrits Io?saer, ptibr to Ikrtde3s iidtioe'i6ti ttf�t't►E Floiirbvvar'g Kreiiclt ¢ t t�ef Titg`� t' tES�aura iTttstrfar4meiu, " • �` . Bisrroi�et� all co 1d�� $li ra> tt& - and . xev�ij�bis�bt1�;Cy� , 'S�io� thB tender ' ,i4erit:.d'l�eills` =: 'aYt �dtiit ft6a�gnrit fin`_an eas'ignment• for ; ;:. ' . , :.;.., : .. YP:T;ehder -.8i eg �ndau..�f'hraac�t tb Borxaw�c (a). l:rent receavee! lry 13orrower chap be held by BotaroiveK. as tt9ist f bliei#t`.of I.�der Dilly, tcs tSe applied to ttlo' :sac ared by tfie $eetrrity i) eridi±t etia11 l3e:eitled t6;coUect and eve .8i1 of 3ht;:rents of;tlie Proe';nd::fc) esii tcithttt of the > sha[la aU 400 tne,an'd id to :yu►pa or>L,etlder's ag?}'Pn X»endePs .v!rYtEcn.ileriiatid : to Mite ' - w rl '_ a§ fiti +it <ett�iuitll °iio(perfotYtt any act': , that: Jouldi b zer 5s 9 flgE �Y; 1' �IYlilg . a0- u7t PY1P�"` } " $iSdCY 8115Qt 1�1C' lEd t� Ofltel 4Yp01t, - COI1t� (�!d t�4C�pr(}palty te . notice' df b =10: �er ><tofwgver�f I.ant{er or� fr�i iEeo�ivar•�'�• , " a y ,n.�te: ere ' : . ' is' lira '�n t� `rcat shlad i w vc`ry .itef6iilt or?lnvaida6:fpn other >cigftt ax ir6nedy A9�ig�ilt fo8loft Of �: �?tTSper�! �1a11�1{EfiTlinAt$,tfdh'en fllE'ddlit,3Ct1tC� .b1? t12C .SCQUitty fi121B�OHtY)t Yi 0�'t ei `6t1 :k �8: li to edi8te.paymto iu?:full' bridar. pai^egrAPh 9, y fbYed _t1i e. C vMEty:' ns rivad6Eetiit bY':� !diuda i�Greeilftik.: rideti�:abTsY1 be itled'YA:coIIeaL. pe)is fn oarrc 1ri ao ng the remedl+r� gfavtded sm t]Ifis psra #igph48;;lriclJdin& bat riof lliitited . �..tv ' .File:;evitleuee...;,,.1 .t.� �f;' - ::t��� ti'' • ".`�':•. I:: :.: • : •. �;�: : ?`�!�;iF �}. _ :j'b - - the-Soctletary WWI P � unvotca iaonj itida]'pawer 6f rb tTie e` 1 `amlily Moi'tga' nip e �:'0l1199a �' c ',h (UJ S C �1 mqJ rg eo�u aiiKSlaivttt +tta ", ' > o.c>#imte F4etire affidt0 seu' t _ by Q. f a: a Lt1 tiitQiuCu'' k tVlt �t 6C1�C OP !pro :` ..�:.f��,° smp.:rigi�a 8die']i t4R Lcril:ii3er�tbi�s;PB ggcaili`l oi! Y :dppcabliv.< 9; >f�bYegee,'ITpptt p ymerft.bf all secured 6y this: Ynmwiieat, �ttns aigity meat and the .e8tte, and o�meed...8b1, t�oninabrr. and' ::become !oi Affer &ash occitrrex e,, Ides 'shah. °:�ischargc safsi fy: this Sebunty TnstLtiizrieat vsFi11316W charge tcj B�ixowef: $osrowdr shall' 1SaY ait�'.:�ecnrdation'costs. �(1 V �tiia . ''s Vve to the 'ex by sppltcable law, waives aaii ;eleaseS' any` error or tltEceis`neittg , orac tlt�a S tyda t1 sand ttetcby; wanes ►he efft of ally present or Al t fir =:` 1'a?epfir??4 ntLbsi` rpf e,smpuorrfr ;attact; lcvy and sale, and . . a -. 1't? �. � t , F "1 :�;:: �- rid: =- dut5c!a>��e� "�u►'s. �:.; 'duct:` ' ' b �i'� �O:�hall - e�ietid�ta ate . .1:�, ,.�V�•._ ,••'FS+.t .t'. Swuty rior.`t' +-f.. y:.. , h oar , : ` q r: h,,_ ;: ::1' ar'T --•. }S.. .,� .k• . - '.Gy :s;:fr -: �_.. . a. I ,n MF I: }} �C � t'of�tll'e-�de� 5 8eClli'e3dd'` e; I_ll :10 e,LL o ` Borrodrer;to.a uittr dfie`tb tf rty;;tftis: e4iu�ijr IiSSti cnt$1ia11 : piircl}asc Money:inb tgager � ATI(P71} (0207} ` ttt (d jU3): F 7 of Q' `i inNWs• � �• , • i 1 E14'Y� t: { t" 'lc •' %' ac -.la`t - -tc 1,: ';i' ' �.i:i��:� „ >:f:. >. - : 4 i } a c�. k . n,. C'J >•. � - •,r3 { °e' - - t o ,. I• . t -I }t : FFin :E. im - _ , . . ;.. f � -a i. x i..1 . ll= _ , t '.j - .,'J J z� t - ,� #•, 4 .' 4 ... x:H 1 _ ts�'r t ��t �', I' t 1. : q i w t t{ k 1. f - [_ . .. .. ! . ' t . s - . {. _ . 1 11 ' lil ,y d a t o p s o F §' tt tt gg. i' E ., t r r. : .. f. . G&5.S .f E 3 . DOA. M_ f ;:j � . 11 RHte 'Altet 3rd t♦rib Borrower agreoe that the interest {ate payable dwr'a judgment is cnterod`.on the Note or in err art}on of inortga�e a afiali be the rate a able from .time tq. time under the NOte; ;� y f i ,' r P y r;, W +" J k 5 a } i s� . ,,,��{ .! ; Yptet tent. s.� of eta etxftted t y $ottow and' . 110i or rcootded $'Z ! ��fcaasnt, the cD!ve&ft�k of ��caeh� rlt7erhgfl �!e ineo�rpparated alto at►d :shall % -of t�cig Secaxnsfuonent �ao!penaut� awd;rtgrettS oft Sectity tnsf{�uhen� afi if ttterltier(s ware a pari 1 ;' LCrflWlk �:B.P ble x(I ' ' L - i�' - .t < : %. " . t ;: �`^ f I .. ittYtt I deE �IIQlim CS Rldo L:_ 1 66tt : [S.peei�y] . fanned (JuitbeYclopmeint Rider' C3ratlti86e r . -.' . • .. "; ,,., .. . a3'►. B Sx( . �� _ow Borrower is d t p f W the t�tiat� E ontatned+lrr this Security I. ah�[ �a� ( f Y f#t3rrox+ r attd r cp �f ' o § t i Instcuntent i i< J 3;_ - t . f� r (S�) . � ' �_ LA�� .. i �' I - 4 1 . _'.,l7(3RY. �sHQ`�C'G�- rR�.+Ft . -8atrnwec -' i t a �A k A .. � '�, � {Seel § .. hwmwer ?: E; ��� F[ e f ` ct `t ta y ri .R r4 k +} I. "' i-- x ff s i f. t 1 t` t ; s 1 f s t l r E . d' LzsF#1`�i� �'t; - i }i� 1 . :.F f !. .f f .., n s " [ r '� f t • r ' 1. �BOlYdwcC 'r 11 - . . . . - (( _,1 i , f -8 �� - E. i - t _ . ,t, ,�gypp'j�}},��r R t J 1 f E. r t i c .: do hBr b fy that the ca�zect a dtlr= afltlt V�itfiwtCCe 16 P; ©� B MC 48561206 r Y §� s . w � 11 1 1 ,'4. �­ .. &M ,� :. §' �I t 1 .!! tE t:' k [ Z x T { - . } ; i4 E� Of �RdtlgAgGCt r.: de . r +�Nt T0207,' t tt €dD �m3y typo 8 of 8 7 " -r r t� e [ i t', + Y r x F.[ r l y§ ' {. a .� t . p .t ,; . - .. _ '' .. .. .. �if 1. . Ife �' t r d . 11 .Sry3 r .y n}. �. � ai' '3 p .i5�'6 <r . _...... ... ra at e ', . ;; F ;': {:: . . . . .. .. _ tttt i i , d s Y lr� , . r `: r. r¥ ' � (FFF � j a r. - p� s r ' . bode ct1a, the unciersigrled officer, I. . . papa» k lrnown coe or gafcwnly pravea�) to be the ��P/$p8E° �` � �r9 =8ubsari . , �7 ` k §�CUU1dnG ait �fnb�1 r W p {, :{ (� wed ghat (telsbelthey uzA ...11.�5- i K a �'3 "..w +� S �$#R tt ( � t i n t. S ! f Y'liTtlXSrcSCt iDY (� gt[ 01C18.SC } - . - .. 1. . �k t (� k. rWT CCU t - ... . I ., � ... . . i V. ,�j T ( _k i 3 ( 1 . t 1 tE 11, .s_�1 }�4�fi S K_ i ��� ri( S �' { s .. ..:y4 E ft 2j v W, -. - ,�. 3' Ti ''. { J i; 4• . L� k ,. }� k "� �f t� a Nt7�A4, , BAS t .: { ' . 1 Afd(i [ A J fa- f Lary f'ubffc . , of! " of Herrlsburq al> htn Cotirify . I . .: t a . yy icy ogrnrfssia ri �x ICe�Ma 12 X003 :N . ii P x _, ; } .. �t t a k y j t cat t :.4 ?`4 .r-'.. r Gh t t{ - fS' < { 5^ i 1.iit s: r R ' a r }e {. 4 � j Y .. . . . . . - . F k =P ' rsh{ 1 - - ;_:. . 1_t r y F s i :. t - s # y 7 tY'S'e A k� WW(( t 'fir s t; t ' - .. �� n) x i :' G' (01103) P 1. I ,.'. . . L @sops . - +rs Ini@ h {� a ,�p� I' 1. ? <' , f �� . } 1. 7 .. ..f, , i� .. .� . . .. s : r . .. .. E" .. i s. . ..: .. .. % EX IT A: ' { t Irk; t I.L ` re t aft � t build gs andu vementsthe ?d t o)n'otacted.simate In Bait Pemiabaato;'Towne>fiP. land Cdnt:tq,'pennsylvania, mote parbcalaily,bounded and described as folbvvs, to wit• WHOM Ij�O ttt a pain oathc westeily Imo of Lnol Ihive vv�ieh not ss po 4S felt Psi hwsrdly of4h6 southwesterly coffer oBatnt 5tteet a►d 1 la �zxyc, thane along; tie was _ Iy tic of Eno DA DA cspt� 8 degrees. Feat, 15 feet $ Js4tatl bout t acs j?t, �Zt too3�ir�euGeoz ib d c'sf, 1 feet to .a.point; thence Noi 8�ree Rustfy2 ao�nt, tbcare oBG7l r a B >JING known nd nlup as )37 5 Endla D3tve� f ` �' ` F SDBJF.G T fio the right df vVny as recoided J ruary 4, t95� ui;OW o�tice t<fores4 m Mice @llaneoua Book 9!, page 59U, AL G m rtfcu lJ3.yta �A .eland Situate 3i# )astbar zTovytf�hlp, Gumberl`atid`dunty, Pannsylvania; more pand anf�bod ae fouowS: i • •� 2 } Y h S e 7 AJ 13 CJ�NNdNG} al prim on CrtE side o Sr�ea 9 aid point being Igci rd � $ } cat in a soudl�easfery, c action f#d t y►sut etu side. ai F enr�i tretH;: ui a sdutherYy di eBCton abng tba Sol) eastefly side of 8tt ci8d Strr et a tiista ce of fittean fL (t S� foet to s`pomt un Lt� a of T;ot0. 3. on & hereiaafier mentioned pl9n oots, theme in naz tltcas ly direction a.di5tattCe of fi ty- aught (58} fee to 4 point W tine of la 6 formerly conveyod b C G�altcr 1ggeTean4r fti lylarle A Mathias;'.thence along said land is a ahwestrly:direciian a dlatancc offteea { l:5} #bef t a Foiort; thence iii a sou tkwesterly direction along C of Nv 1, a distancy of fifty eight X58) Jeet to on the y did s�f 58cd 8tre$ tbg pee df Jdl [��y T ,y T ' 7 � 7 4 f �� i iY F, YI FI'y4 z l f{ f 4., t o 1 f i C i.� r� - r ,�, B h'G tI kt y tlf } � y ;,E l lva atui > 1? of t 9 m e :1taV e`d plan Qf Lots Wd .oat b tie $ �'3' ;: letsceY§ ate {7ttons�od la, teoorded'�p]anbolc l, } E, x c Y t 1 ' f C�rtrfy t1ii§ W b6 rdcorded P1� fr C�unzbc rintl County I . �t Y i . 3 �4 • } i D 1 + t F p s Y " t A>- iT 0 Prepared by: M. RADNOR Multistate NOTE FHA Case No. LOAN #: April 15, 2003 [Date] 137 S ENOLA DRIVE ENOLA, PA 17025 [Property Address] 1. PARTIES "Borrower" means each person signing at the end of this Note, and the person's successors and assigns. "Lender" means COUNTRYWIDE HOME LOANS, INC. and its successors and assigns. 2. BORROWER'S PROMISE TO PAY; BVTEREST In return for a loan received from Lender, Borrower promises to pay the principal sum of FIFTY EIGHT THOUSAND FOUR HUNDRED FIFTY ONE and 00 /100 Dollars (U.S. $ 56, 451.00 ), plus interest, to the order of Lender. Interest will be charged on unpaid principal, from the date of disbursement of the loan proceeds by Lender, at the rate of SIX percent ( 6.000 To) per year until the full amount of principal has been paid. 3. PROMISE TO PAY SECURED Borrower's promise to pay is secured by a mortgage, deed of trust or similar security instrument that is dated the same date as this Note and called the "Security Instrument." The Security Instrument protects the Lender from losses which might result if Borrower defaults under this Note. 4. MANNER OF PAYMENT (A) Time Borrower shall make a payment of principal and interest to Lender on the first day of each month beginning on June 01 , 2003. Any principal and interest remaining on the first day of May 2033 , willbe due on that date, which is called the "Maturity Date." (B) Place Payment shall be made at P.O. Box 660694, Dallas, TX 75266 -0694 or at such place as Lender may designate in writing by notice to Borrower. (C) Amount Each monthly payment of principal and interest will be in the amount of U.S. $350.44 This amount will be part of a larger monthly payment required by the Security Instrument, that shall be applied to principal, interest and other items in the order described in the Security Instrument. (D) Allonge to this Note for payment adjustments If an allonge providing for payment adjustments is executed by Borrower together with this Note, the covenants of the allonge shall be incorporated into and shall amend and supplement the covenants of this Note as if the allonge were a part of this Note. [Check applicable box] ❑ Graduated Payment Allolige ❑ Growing Equity Allonge ❑ Other [specify) S. BORROWER'S RIGHT TO PREPAY Borrower has the right to pay the debt evidenced by this Note, in whole or in part, without charge or penalty, on the first day of any month. Lender shall accept prepayment on other days provided that Borrower pays interest on the amount prepaid for the remainder of the month to the extent required by Lender and permitted by regulations of the Secretary. If Borrower makes a partial prepayment, there will be no changes in the due date or in the amount of the monthly payment unless Lender agrees in writing to those changes. 6. BORROWER'S FAILURE TO PAY (A) Late Charge for Overdue Payments If Lender has not received the full monthly payment required by the Security Instrument, as described in Paragraph 4(C) of this Note, by the end of fifteen calendar days after the payment is due, Lender may collect a late charge in the amount of FOUR percent ( 4.000 To) of the overdue amount of each payment . Pape 1 of 2 FHA Multistate Tized Rate Note - 10195 4C®1Fl (9601).05 CHL (03/02) VMP MORTGAGE FORMS - (000)521 -7287 Initlals: G GS • 2 3 9 9 1 ro CASE # LOAN (B) Default If Borrower defaults by failing to pay in full any monthly payment, then Lender may, except as limited by regulations of the Secretary in the case of payment defaults, require immediate payment in full of the principal balance remaining due and all accrued interest. Lender may choose not to exercise this option without waiving its rights in the event of any subsequent default. In many circumstances regulations issued by the Secretary will limit Lender's rights to require immediate payment in full in the case of payment defaults. This Note does not authorize acceleration when not permitted by HUD regulations. As used in this Note, "Secretary" means the Secretary of Housing and Urban Development or his or her designee. (C) Payment of Costs and Expenses If Lender has required immediate payment in full, as described above, Lender may require Borrower to pay costs and expenses including reasonable and customary attorneys' fees for enforcing this Note to the extent not prohibited by applicable law. Such fees and costs shall bear interest from the date of disbursement at the same rate as the principal of this Note. 7. WAIVERS Borrower and any other person who has obligations under this Note waive the rights of presentment and notice of dishonor. "Presentment" means the right to require Lender to demand payment of amounts due. 'Notice of dishonor" means the right to require Lender to give notice to other persons that amounts due have not been paid. 8. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to Borrower under this Note will be given by delivering it or by mailing it by first class mail to Borrower at the property address above or at a different address if Borrower has given Lender a notice of Borrower's different address. Any notice that must be given to Lender under this Note will be given by first class mail to Lender at the address stated in Paragraph 4(B) or at a different address if Borrower is given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. Lender may enforce its rights under this Note against each person individually or against all signatories together. Any one person signing this Note may be required to pay all of the amounts owed under this Note. PAY TO THE ORDER OF PAY TO THE ORDE� O�F Countrywide Home Loans Servicing Countrywide H ome LNanS, lac. WITH O T RECOURSE COUNT IDE HOME LOANS, INC, Without Recourse Coun Home Loans Servicing LP A. BY David Spector BY Managing Director David A. Spector Managing Director BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Note. (Seal) Q/� (Seal) CORYf SNOTZBERGER - Borrower AARBARA A BAER - Borrower (Seal) (S - - Borrower - Borrower PAY TO THE ORDER OF VNTHOUTRECOURSE COU NM20DE HOME LOANS, INC. 6Y A.1lp�cMr '' MarNghg Olnder �® 1R (9601).05 CHL (03/02) Page 2.12 PRESORT First -Class Mail PO Box 9048 U.S. Postage and Temecula, CA 92589 -9048 Fees Paid 2272415101 WSO 20130430.7 I1II'll1 ifll1 1l"' Jill 1I'lll1' III 'lll1l"'ll1l'llll BARBARA A BAER 137 S Enola Drive Enola, PA 17025 -2712 C3_1445 BLQPA214091 08/2412011 � " x �1�, C April 30, 2013 Account No. BARBARA A BAER 137 S Enola Drive Enola, PA 17025 -2712 NOTICE OF INTENTION TO FORECLOSE MORTGAGE Dear BARBARA A BAER, The MORTGAGE held by U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWMBS INC., CWMBS REPERFORMING LOAN REMIC TRUST, CERTIFICATES, SERIES 2005 -R3 and serviced by Bank of America, N.A. (hereinafter we, us or ours) on your property located at 137 S Enola Drive Enola, PA 17025, IS IN SERIOUS DEFAULT because you have not made the monthly payments in the amounts shown below for the months of 03/01/2013 - 04/30/2013. Monthly Charges: 03/01/2013 - 04/30/2013 @ $477.60 $955.20 Late Charges: 03/01/2013 - 04/3012013 @ $19.10 S38.20 Other Charges: Additional Uncollected Late Charges: $306.24 Uncollected Costs: ($95.00) Partial Payment Balance: 0.00 TOTAL DUE: $1,204.64 Late charges and other charges have also accrued to this date in the amount of $249.44. 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 $1,204.64. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $1,204,64, plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash, cashiers check, certified check or money order, and made at Bank of America, N.A. at P.O. Box 15222, Wilmington, DE 19886 -5222. If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attomeys to start a lawsuit to foreclose your mortgaged property. if the mortgage is foreclosed your mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default within the thirty day period, you will not be required to pay attorney's fees. 2272415101 We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale [and perform any other requirements under the mortgage]. It is estimated that the earliest date that such a Sheriffs sale could be held would be approximately six (6) months from the date of this Notice. A notice of the date of the Sheriff sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at anytime exactly what the required payment will be by calling us at the following number: 1- 800 - 668 -4578. This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. if you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year." C3 3222 BRECDISC 15352 09/24/12 IMPORTANT DISCLOSURES If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home loan with us or enter into a loan modification or other loan- assistance program. You should consult with your bankruptcy attorney or other advisor about your legal rights and options. Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication is from a debt collector. There has been a payment default or other default on your loan that could result in acceleration of all sums due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc,, LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and rights in the property and under the note and security instrument, including any remedies thereunder (the "Default Related Services "). Bank of America, N.A. will assess fees to your loan account for the Default Related Services, including those provided by its affiliates. A schedule of fees that may be charged to your account for Default Related Services is available at the following web address: httg:// www .bankofamerica.com /defaultfees If you do not have internet access, please contact us at 1- 800 - 669 -6607, Monday through Thursday 8 a.m. - 11 p.m. Eastern, Friday 8 a.m. - 9 p.m. Eastern, Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a complete list of the default - related services you could be charged, but does not include a complete list of all fees or charges that could be assessed on your loan account. MILITARY PERSONNEL /SERVICE MEMBERS If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at 1- 877 - 430 -5434. If you are calling from outside the U.S, please contact us at 1- 817 - 685 -6491. 2272415101 DIVULGACIONES IMPORTANTES Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneraci6n de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudaci6n, una demanda de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no esta obligado(a) a hablar de su pr6stamo para vivienda con nosotros ni a participar en un programa de modificaci6n de pr6stamos u otro programa de asistencia para pr6stamos. 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 pr6stamo para vivienda esta obligado por ley a informarle a usted que esta comunicaci6n proviene de un cobrador de deudas. Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su pr6stamo que podria resultar en la aceleraci6n de todas las cantidades adeudadas bajo el Pagans. Como resultado, Bank of America N.A. utilizara companias, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc,, LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y Landsafe Appraisal Services, Inc., para proporcionar servicios necesarios para proteger los intereses del Titular en la propiedad y sus derechos bajo el instrumento de seguridad y el pagare, incluyendo cualquiera de sus recursos (los " Servicios relacionados a un incumplimiento "). Bank of America, N.A. aplicar6 cargos a la cuenta de su pr6stamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento esta disponible en el sitio de Internet: [ htto:// www .bankofamerica.com /defaultfeed Si usted no tiene acceso a internet, por favor comuniquese con nosotros al 1- 800 - 669 -6607 de lunes a jueves de 8 a. m. a 11 p. m. hora del este, viernes de 8 a. m. a 9 p. m. hora del este, s6bados de 9 a. m. a 3 p. m. hora del este. pars pedir que se le envie una lists de cargos por correo, La lista de cargos contiene una lista completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lista completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su pr6stamo. PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS Si usted o su c6nyuge es un miembro del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios significativos al personal del servicio militar aue califique induidas protecciones contra la ejecuci6n hipotecaria asi como tambien ayuda en la tasa de inter6s. Para obtener m6s informaci6n y determinar su calificaci6n por favor Ilame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al 1- 877 - 430 -5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al 1- 817- 685 -6491. 2272415101 ' C3_5088 OPTAVDFC 15319 09124/2012 Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s) could work for you. Options to consider if your goal is to stay in your home Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms, Modification which may include lowering the interest rate, placing past due amounts at the end of the loan, Program (HAMP) and /or extending the term of the loan. You may be eligible for this program if you meet the following requirements: • The amount you owe on the first mortgage is equal to or less than $729,750 for a single - family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or $1,403,400 for a 4 unit property • You have documented a financial hardship and represented that you do not have sufficient liquid assets to make the monthly mortgage payments. • Your mortgage was obtained before Jan. 1, 2009. • The property securing the mortgage loan has not been condemned or is not in such poor physical condition that it is not habitable even if not condemned • The mortgage is secured by a one to four unit property Loan If you can bring your loan payments up to date, we will accept the funds needed to bring the Reinstatement loan up to date until the day of your foreclosure sale. Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay off a portion of the past due amounts over time. This may include principal, interest, fees, and /or costs assessed to your loan. Temporary An agreement whereby we agree not to proceed with foreclosure and /or collection of payments Forbearance for a period of time, to allow you to re- establish your ability to make the required payments. Agreement Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could (non -HAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving from an adjustable to a fixed -rate loan, deferring some portion of the unpaid principal balance to the end of the loan, and/or forgiving some portion of the unpaid principal balance. Partial Claim (FHA If you have a Federal Housing Administration (FHA) loan and your payments are past due but loans only) you are now able to make your regular monthly mortgage payment, this program is designed to bring your loan up to date by creating a second mortgage /lien on your property for the amount that is past due. Options to consider if you cannot or do not wish to stay in your home R :. ....: : :::. X Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program Foreclosure (HAMP) but were unsuccessful in securing a permanent modification through the program. Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A Program (HAFA) short sale is a transaction in which you sell your property for less than the total amount owed on the loan (subject to agreement by your servicer/lenderfinvestor), resulting in the release of our lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a transaction in which you agree to voluntarily transfer ownership of your property to us in order to avoid foreclosure. Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth less than Pre - foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale, Sale (non -HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to borrowers who are not eligible for HAMP or other home retention alternatives. Deed in Lieu of Used as an alternative to foreclosure, with a deed in lieu of foreclosure, you transfer ownership Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total (non -HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home .,4 retention alternatives, and who were not able to sell the property through a short sale. e: We are here to help you. Please call us today. 2272415101 Hay opciones disponibles para ayudarle a Evitar la Ejecucion Hipotecaria Llame al n6mero que aparece en la notificacion adjunta para obtener mss informacion Cuando Ilame, por favor tenga a la mano la informacion de sus ingresos y gastos para que podamos discutir cubles opciones podrian funcionar para usted. Opciones a considerar si su objetivo es permanecer on su casa Home Affordable Es un programa del gobierno federal que le permite pagar el prestamo bajo los nuevos Modification t6rminos acordados, que pueden incluir la reduction de la tasa de inter6s, agregar Program (HAMP) cantidades vencidas al final del pr6stamo, y/o extender el plazo del pr6stamo. Usted puede calificar para este programa si cumple con los siguientes requisitos: • La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750 d6lares para una vivienda unifamiliar, $934,200 d6lares para Una propiedad de 2 unidades, $1,129,250 d6lares para una propiedad de 3 unidades o $1,403,400 para una propiedad de 4 unidades • Usted ha documentado que atraviesa por una dificultad financiers y declarado que no tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca. • Obtuvo su hipoteca antes del 1 de enero de 2009. • La propiedad que garantiza el pr6stamo hipotecario no ha lido condenada o no estA 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 pr6stamo, aceptaremos los fondos necesarios o del Prdstamo para que el pr6stamo est6 al dia hasta la fecha de la venta por ejecucibn hipotecaria. Plan de Pago Un plan de pago le permite a usted hacer sus pagos hipotecarios regulares, ademAs de pagar una porci6n de los montos vencidos a trav&s del tiempo. Esto puede incluir capital, inter6s, cargos o costos aplicados a su pr6stamo. Acuerdo Es un acuerdo en el cual aceptamos no proceder con la ejecucibn hipotecaria y/o el cobro Temporal de de los pagos por un pericdo de tiempo, para permitirle que restablezca su habilidad de Tolerancia por hacer los pagos requeridos. incumplimiento Modificaci6n de Una modificaci6n del pr6stamo es un cambio en los t6rminos originales de su pr6stamo, Pr6stamo Las modificaciones podrian incluir reducir su tasa de inter6s, extender el tbrmino o la fecha (no por medio de pago del pr6stamo, cambiar de un pr6stamo de tasa de inter6s ajustable a uno de tasa de HAMP) de inter6s fija, diferir una parte del saldo del capital impagado al final del pr6stamo, y/o condonar una parte del saldo de capital impagado. Reclamo Parcial Si usted tiene un pr6stamo de la Administraci6n Federal de Vivienda (FHA) y sus pagos (solamente estAn vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca, pr6stamos de la este programa estA disenado para que su pr6stamo este al dia mediante la creaci6n de FHA) una segunda hipoteca / gravamen sobre su propiedad por el monto que estA vencido. 2272415101 Opciones a considerar si no puede o no desea quedarse en su casa Home Affordable Diseftdo 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 6xito, una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria. Una vents en descubierto es una transacci6n en la que usted vende su propiedad por menos de la cantidad adeudada en el pr6stamo (sujeto a previo acuerdo de su administrador / prestamista / inversionista), resultando en la liberaci6n de nuestro derecho de retenci6n sobre su propiedad y evitar la ejecuci6n hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria es una transacci6n en la que usted est6 de acuerdo de transferir voluntariamente las escrituras de su propiedad a nosctros con el fin de evitar la ejecuci6n hipotecaria. Venta en Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de to que descubierto / usted adeuda, una vents en descubierto le podria permitir vender su vivienda pars pagar Venta previa a la la hipoteca. En una yenta en descubierto, el prestamista acepta recibir una monto menor ejecuci6n de to que actualmente se adeuda en el pr6stamo. Se ofrece a los prestatarios que no hipotecaria (no por califican para HAMP o para otras alternativas de retenci6n de la vivienda. medio de HAFA) Escritura de Se usa como una alternativa de la ejecuci6n hipotecaria. Con una escritura de traspaso traspaso de voluntario de propiedad en lugar de la ejecuci6n hipotecaria, usted transfiere la titularidad propiedad en lugar de su vivienda y toda la propiedad que garantiza su pr6stamo hipotecario. Esto puede de la ejecuci6n hacer que el monto total vencido de esa hipoteca se considere como pagado. Se ofrece a hipotecaria (no por prestatarios que no califican para HAMP u otras opciones de retenci6n de vivienda, y que medio de HAFA) no pudieron vender la propiedad a trav6s de una vents en descubierto. Estamos aqui para ayudarle. Por favor Ilamenos hoy. V, PRESORT First -Class Mail PO Box 9048 U.S. Postage and Temecula, CA 92589 -9048 Fees Paid 2272415102 WSO 20130430 -7 111" II- I +'IIIF- 1111'I1I I'll,1 '11- 1.111111- 1111.11 -1' -111 CORY L SHOTZBERGER 137 S Enola Drive Enola, PA 17025 -2712 s C3_1445 BLQPA2 14091 08/24/2011 April 30, 2013 Account No.:' CORY L SHOTZBERGER 137 S Enola Drive Enola, PA 17025 -2712 NOTICE OF INTENTION TO FORECLOSE MORTGAGE Dear CORY L SHOTZBERGER, The MORTGAGE held by U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWMBS INC., CWMBS REPERFORMING LOAN REMIC TRUST, CERTIFICATES, SERIES 2005 -R3 and serviced by Bank of America, N.A. (hereinafter we, us or ours) on your property located at 137 S Enola Drive Enola, PA 17025, IS IN SERIOUS DEFAULT because you have not made the monthly payments in the amounts shown below for the months of 03/01/2013 - 04/30/2013. Monthly Charges: 03/01/2013 - 04/30/2013 @ $477.60 $955.20 Late Charges: 03/01/2013 - 04/30/2013 @ $19.10 $38.20 Other Charges: Additional Uncollected Late Charges: $306.24 Uncollected Costs: ($95.00) Partial Payment Balance: 0.00 TOTAL DUE: $1,204.64 Late charges and other charges have also accrued to this date in the amount of $249.44. 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 $1,204.64. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $1,204.64, plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at Bank of America, N.A. at P.O. Box 15222, Wilmington, DE 19886-5222. If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. if the mortgage is foreclosed your mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs. if you cure the default within the thirty day period, you will not be required to pay attorney's fees. is 0.S 2272415102 t • We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale [and perform any other requirements under the mortgage]. It is estimated that the earliest date that such a Sheriffs sale could be held would be approximately six (6) months from the date of this Notice. A notice of the date of the Sheriff sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: 1-800- 669 -4578. This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year." C3 3222 BRECDISC 15352 09/24/12 IMPORTANT DISCLOSURES If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home loan with us or enter into a loan modification or other loan- assistance program. You should consult with your bankruptcy attorney or other advisor about your legal rights and options. Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication is from a debt collector. There has been a payment default or other default on your loan that could result in acceleration of all sums due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc,, ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and rights in the property and under the note and security instrument, including any remedies thereunder (the "Default Related Services "). Bank of America, N.A. will assess fees to your loan account for the Default Related Services, including those provided by its affiliates. A schedule of fees that may be charged to your account for Default Related Services is available at the following web address: hfr):// www .bankofamerica.com /defaultfees If you do not have internet access, please contact us at 1- 800 - 669 -6607, Monday through Thursday 8 a.m. - 11 p.m. Eastern, Friday 8 a.m. - 9 p.m. Eastern, Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a complete list of the default - related services you could be charged, but does not include a complete list of all fees or charges that could be assessed on your loan account. MILITARY PERSONNEL/SERVICEMEMBERS If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at 1- 877 - 430 -5434. If you are calling from outside the U.S. please contact us at 1- 817 - 685 -6491. 2272415102 r DIVULGACIONES IMPORTANTES Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneracibn de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudacidn, una demanda de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no est6 obligado(a) a hablar de su pr6stamo para vivienda con nosotros ni a participar en un programa de modificacidn de prestamos u otro programa de asistencia para pr6stamos. Usted debe consultar con su abogado especializado en quiebras u otro asesor acerca de sus opciones y derechos legales. Bank of America, N.A., el administrador de su prL&stamo para vivienda est6 obligado por ley a informarle a usted que esta comunicacibn proviene de un cobrador de deudas. Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su pr6stamo que podria resultar en la aceleracibn de todas las cantidades adeudadas bajo el Pagar6. Como resultado, Bank of America N.A. utilizarA companias, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y LandSafe Appraisal Services, Inc., para proporcionar servicios necesarios para proteger los intereses del Titular en la propiedad y sus derechos bajo el instrumento de seguridad y el pagar6, incluyendo cualquiera de sus recursos (los "Servicios relacionados a un incumplimiento "). Bank of America, N.A. aplicar6 cargos a la cuenta de su pr6stamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento estE% disponible en el sitio de Internet: ( hftr):// www. bankofamerica.com /defaultfees Si usted no tiene acceso a internet, por favor comuniquese con nosotros al 1- 800 - 669 -6607 de lunes a jueves de 8 a. m. a 11 p. m. hora del este, viernes de 8 a. m. a 9 p. m. hora del este, s6bados de 9 a. m. a 3 p, m. hora del este. para pedir que se le envie una lists de cargos por correo. La lista de cargos contiene una lista completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lista completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su pr6stamo. PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS Si usted o su cbnyuge es un miembro del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios significativos al personal del servicio militar gue califique incluidas protecciones contra la ejecucibn hipotecaria asi Como tambi6n ayuda en la tasa de inter6s, Para obtener m6s informacibn y determinar su calificacibn por favor Ilame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al 1- 877 - 430 -5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al 1- 817- 685 -6491. 2272415102 i C3_5088 OPTAVDFC 15319 09/24(2012 Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s) could work for you. Options to consider if your goal is to stay in your home gr QSCt'I Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms, Modification which may include lowering the interest rate, placing past due amounts at the end of the loan, Program (HAMP) and/or extending the term of the loan. You may be eligible for this program if you meet the following requirements: • The amount you owe on the first mortgage is equal to or less than $729,750 for a single - family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or $1,403,400 for a 4 unit property • You have documented a financial hardship and represented that you do not have sufficient liquid assets to make the monthly mortgage payments. • Your mortgage was obtained before Jan. 1, 2009. • The property securing the mortgage loan has not been condemned or is not in such poor physical condition that it is not habitable even if not condemned • The mortgage is secured by a one to four unit property Loan If you can bring your loan payments up to date, we will accept the funds needed to bring the Reinstatement loan up to date until the day of your foreclosure sale. Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay off a portion of the past due amounts over time. This may include principal, interest, fees, and /or costs assessed to your loan. Temporary An agreement whereby we agree not to proceed with foreclosure and /or collection of payments Forbearance for a period of time, to allow you to re- establish your ability to make the required payments. Agreement Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could (non -HAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving from an adjustable to a fixed -rate loan, deferring some portion of the unpaid principal balance to the end of the loan, and /or forgiving some portion of the unpaid principal balance. Partial Claim (FHA If you have a Federal Housing Administration (FHA) loan and your payments are past due but loans only) you are now able to make your regular monthly mortgage payment, this program is designed to bring your loan up to date by creating a second mortgage /lien on your property for the amount that is past due. Options to consider if you cannot or do not wish to stay in your home M ................... Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program Foreclosure (HAMP) but were unsuccessful in securing a permanent modification through the program. Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A Program (HAFA) short sale is a transaction in which you sell your property for less than the total amount owed on the loan (subject to agreement by your servicer/lenderfinvestor), resulting in the release of our lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a transaction in which you agree to voluntarily transfer ownership of your property to us in order to avoid foreclosure. Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth less than Pre - foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale, Sale (non -HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to borrowers who are not eligible for HAMP or other home retention alternatives. Deed in Lieu of Used as an alternative to foreclosure, with a deed in lieu of foreclosure, you transfer ownership Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total (non -HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home retention alternatives, and who were not able to sell the property through a short sale. We are here to help you. Please call us today. 2272415102 ' Hay opciones disponibles para ayudarle a Evitar la Ejecucion Hipotecaria Llame al numero que aparece en la notificacion adjunta para obtener mss informacion Cuando Ilame, por favor tenga a la mano la informaci6n de sus ingresos y gastos para que podamos discutir cuiles opciones podrian funcionar para usted. Opciones a considerar si su objetivo es permanecer en su casa Home Affordable Es un programa del gobierno federal que le permite pagar el pr6stamo bajo los nuevos Modification t6rminos acordados, que pueden incluir la reducci6n de la tasa de inter6s, agregar Program (HAMP) cantidades vencidas al final del pr6stamo, y/o extender el plazo del pr6stamo. Usted puede calificar para este programa si cumple con los siguientes requisitos: • La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750 d6lares para una vivienda unifamiliar, $934,200 d6lares para una propiedad de 2 unidades, $1,129,250 d6lares para una propiedad de 3 unidades o $1,403,400 para una propiedad de 4 unidades • Usted ha documentado que atraviesa por una dificultad financiers y declarado que no tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca. • Obtuvo su hipoteca antes del 1 de enero de 2009. • La propiedad que garantiza el pr6stamo hipotecario no ha sido condenada o no est6 en malas condiciones fisicas Como para no poder habitarse incluso si no esta condenada. • La hipoteca est6 garantizada por una propiedad de una a cuatro unidades. Restablecimient Si usted puede poner al dia los pagos de su pr6stamo, aceptaremos los fondos necesarios o del Pr6stamo para que el pr6stamo est6 al dia hasta la fecha de la venta por ejecuci6n hipotecaria. Plan de Pago Un plan de pago le permite a usted hacer sus pagos hipotecarios regulares, ademas de pagar una pord6n de los montos vencidos a trav6s del tiempo. Esto puede incluir capital, inter6s, cargos o costos aplicados a su pr6stamo. Acuerdo Es un acuerdo en el cual aceptamos no proceder con la ejecuci6n hipotecaria y/o el cobro Temporal de de los pagos por un periodo de tiempo, para permitirle que restablezca su habilidad de Tolerancia por hacer los pagos requeridos. incumplimiento Modificaci6n de Una modificaci6n del pr6stamo es un cambio en los t6rminos originales de su pr6stamo, Pr6stamo Las modificaciones podrian incluir reducir su tasa de inter6s, extender el t6rmino o la fecha (no por medio de pago del pr6stamo, cambiar de un pr6stamo de tasa de inter6s ajustable a uno de tasa de HAMP) de inter6s fija, diferir una parte del saldo del capital impagado al final del pr6stamo, y/o condonar una parte del saldo de capital impagado. Reclamo Parcial Si usted tiene un pr6stamo de la Administraci6n Federal de Vivienda (FHA) y sus pagos (solamente est6n vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca, prestamos de la este programa est6 disenado para que su pr6stamo este al dia mediante la creaci6n de FHA) una segunda hipoteca / gravamen sobre su propiedad por el monto que est6 vencido. 2272415102 w Opciones a considerar si no puede o no desea quedarse en su casa . ............................... . Home Affordable Disenado para ayudar a los prestatarios que califican para el Programa de Home Foreclosure Affordable Modification (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 6xito, una escritura de traspaso voluntario de propiedad en lugar de la ejecucibn hipotecaria. Una venta en descubierto es una transacci6n en la que usted vende su propiedad por menos de la cantidad adeudada en el pr6stamo (sujeto a previo acuerdo de su administrador / prestamista / inversionista), resultando en la liberaci6n de nuestro derecho de retenci6n sobre su propiedad y evitar la ejecucibn hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecucibn hipotecaria es una transacci6n en la que usted est6 de acuerdo de transferir voluntariamente las escrituras de su propiedad a nosotros con el fin de evitar la ejecucibn hipotecaria. Venta en Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de to que descubierto / usted adeuda, una vents en descubierto le podria permitir vender su vivienda para pagar Venta previa a la la hipoteca. En una venta en descubierto, el prestamista acepta recibir una monto menor ejecucion de to que actualmente se adeuda en el pr6stamo. Se ofrece a los prestatarios que no hipotecaria (no por califican para HAMP o para otras alternativas de retenci6n de la vivienda. medio de HAFA) Escritura de Se usa Como una alternativa de la ejecucibn hipotecaria. Con una escritura de traspaso traspaso de voluntario de propiedad en lugar de la ejecucibn hipotecaria, usted transfiere la titularidad propiedad en lugar de su vivienda y toda la propiedad que garantiza su pr6stamo hipotecario. Esto puede de la 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 descubierto. Estamos aqui para ayudarle. Por favor Ilamenos hoy. VERIFICATION SUwAi - f At9' ht,t; A hereby states that he / ( 9is AL25 - 1 - AtItr UCH 1 0 A69(5011krr of Bank of America, N.A., servicing agent for Plaintiff, in this matter and -is authorized to make this Verification. The statements of fact contained in the foregoing,Civil Action in Mortgage Foreclosure are true and correct to the best of hisqgknowledge information and belief. The undersigned understands that this statement is made subject to the pe `. alties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. Name_.Sl1"/m MA9t6 - 9/ _C, DATE: dULQ U a 6 Title: PXat Jg— Company: Ban k of America, N.A. S & D FILE NO: 13- 043492 Cory L. Shotzberger and Barbara A. Baer � y IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA C° Plaintiff(s) V S. Defendant(s) I vil NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE: DIVERSION PROGRAM - :- You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in a court- supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer, you must take the following steps to be eligible for a conciliation conference. First, within twenty (20) days of your receipt of this notice, you must contact MidPenn Legal Services at (717) 243 -9400 extension 2510 or (800) 822 -5288 extension 2510 and request appointment of a legal representative at no charge to you. Once you have been appointed a legal representative, you must promptly meet with that legal representative within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer, you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto, your lawyer will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME, YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE. THIS PROGRAM IS FREE. Respectfully submitted: Date [Signatufe of Counsel f r Plaintiff] L 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: CUST OMER/PR I 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? C O-BOR R O WER Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household How Long? FIN ANCIAL • • 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): les): 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 Mortage Food 2 nd 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 /Tuft. 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: 2 t. 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: AUTH ORIZATIO N I /We, , authorize the above named to use /refer this information to my lender /servicer for the sole purpose of evaluating in financial situation for possible mortgage options. I /We understand that I /We am/are under no obligation to use the services provided by the above named Borrower Signature Date Co- Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: Proof of income Past 2 bank statements Proof of any expected income for the last 45 days Copy of a current utility bill Letter explaining reason for delinquency and any supporting documentation (hardship letter) Listing agreement (if property is currently on the market) c, w. FORM 1 IN THE COURT OF COMMON PLEAS OF U.S. Bank, National Association, as Trustee for the CUMBERLAND COUNTY, Certificateholders of CWMBS, Inc., CWMBS PENNSYLVANIA Reperforming Loan REMIC Trust, Certificates, Series 2005 -R3 Plaintiff(s) VS. Barbara A. Baer 137 South Enola Drive Enola, PA 17025 Cory L. Shotzberger 137 South Enola Drive Enola, PA 17025 DEFENDANTS 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 a lawyer, you must take the following steps to be eligible for a conciliation conference. First, within twenty (20) days of your receipt of this notice, you must contact MidPenn Legal Services at (717) 243 -9400 extension 2510 or (800) 822 -5288 extension 2510 and request appointment of a legal representative at no charge to you. Once you have been appointed a legal representative, you must promptly meet with that legal representative within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer, you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested i 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 out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME, YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE. THIS PROGRAM IS FREE. Respectfully submitted: SHAPIRO & DeNARDO, LLC Date Attorneys for Plaintiff FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland County Court of Common Pleas Docket # BORROWER REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance, your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: CUSTOMER/PRIMARY 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? C O-BOR R O WER Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household How Long? FINANCIAL INF ORMATIO N 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 ❑ e 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 #l: 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): I • monthly amount: 2. monthly amount: Borrower Pay Days: Co- Borrower Pay Days: Monthly Expenses: Please only include expenses you are currently a in EXPENSE AMOUNT EXPENSE AMOUNT Mortage Food 2" Mort age 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 /Tuft. I Other Expenses Amount Available for Monthly Mortgage Payments Based on Income & Expenses: Have you been working with a Housing Counseling Agency? Yes 0 No ❑ If yes, please provide the following information: Counseling Agency: Counselor: Phone (Office): Fax: 2 y 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 m financial situation for possible mortgage options. I /We understand that I /We am/are under no obligation to use the services provided by the above named Borrower Signature Date Co- Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: Proof of income Past 2 bank statements Proof of any expected income for the last 45 days Copy of a current utility bill Letter explaining reason for delinquency and any supporting documentation (hardship letter) Listing agreement (if property is currently on the market) 1 y FORM 3 : IN THE COURT OF COMMON PLEAS OF U.S. Bank, National Association, as Trustee for the CUMBERLAND COUNTY, PENNSYLVANIA Certificateholders of CWMBS, Inc., CWMBS Reperforming Loan REMIC Trust, Certificates, Series 2005 -R3 Plaintiff(s) vS. Barbara A. Baer 137 South Enola Drive Enola, PA 17025 Cory L. Shotzberger 137 South Enola Drive Enola, PA 17025 DEFENDANTS Defendant(s) Civil REQUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order dated , 2012 governing the Cumberland County Residential Mortgage Foreclosure Diversion Program, the undersigned hereby certifies as follows: 1. Defendant is the owner of the real property which is the subject of this mortgage foreclosure action; 2. Defendant lives in the subject real property, which is defendant's primary residence; 3. Defendant has been served with a "Notice of Residential Mortgage Foreclosure Diversion Program" and has taken all of the steps required in that Notice to be eligible to participate in a court- supervised conciliation conference. The undersigned verifies that the statements made herein are true and correct. I understand that false statements are made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. Signature of Defendant's Counsel /Appointed Date Legal Representative Signature of Defendant Date Signature of Defendant Date a FORM 4 IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff(s) VS. Defendant(s) Civil CASE MANAGEMENT ORDER AND NOW, this day of , 20, the defendant/borrower in the above - captioned residential mortgage foreclosure action having filed a Request for Conciliation Conference verifying that the defendant/borrower has complied with the Administrative Rule requirements for the scheduling of a Conciliation Conference, it is hereby ORDERED AND DECREED that: L The parties and their counsel are directed to participate in a court- supervised conciliation Conference on at M. in at the Cumberland County Courthouse, Carlisle, Pennsylvania. 2. At least twenty -one (2 1) days prior to the date of the Conciliation Conference, the defendant/borrower must serve upon the plaintiff /lender and its counsel a copy of the "Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet" (Form 2) which has been completed by the defendant/borrower. Upon agreement of the parties in writing or at the discretion of the Court, the Conciliation Conference ordered may be rescheduled to a later date and/or the date upon which service of the completed Form 2 is to be made may be extended. Upon notice to the Court of the defendant/borrower's failure to serve the completed Form 2 within the time frame set forth herein or such other date as agreed upon by the parties in writing or ordered by the Court, the case shall be removed from the Conciliation Conference schedule and the temporary stay of proceedings shall be terminated. F 3• The defendant /borrower and counsel for the parties mu Conference in person and an authorized rep st attend the Conciliation of the plaintiff /lender must either attend the Conciliation Conference in person or be avail the course of the Conciliation Conference. The representative by telephone during who participates in the Conciliation Conference resentative of the plaintiff /lender reach a mutually acceptable resolution a nd coce must possess the actual authority to unsel for the plaintiff /lender must discuss resolution proposals with the authorized representative i Conciliation Conference. If the duly authorized representative n advance of the not available by telephone during the Conciliation ntat�ve of the plaintiff /lende is anon Conference, the Court will schedule another Conciliation Conference and require the personal attendance representative of the plaintiff /lende at the rescheduled Conciliation of the authorized 4 • At the Conciliation Conference, the parties and their nc�liation Conference. P counsel shall be prepared to discuss and explore all available resolution options which shall in mortgage current through a reinstatement; chide: bringing the paying off the mortgage; proposing a forbearance agreement or repayment plan to bring the account current over time; monetary payment and to vacate in the near future in exchange for not contesting the matter; of the lender a deed in lieu of entering into a loan modification or a reverse mortgage; foreclosure; over sixty months; and the institution of ba g ge' paying the mortgage default nkruptcy proceedings. 5. All proceedings in this matter are stayed pending the completion Plehon of the scheduled conciliation conference. BY THE COURT J. SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny RAnderson Sheriff ktj�ty ct nantac t� CF Tail' PROTHOtdOTARY Jody S Smith Chief Deputy C11:°a- •�* 2013 AUG 23 FIM -2; 26 Richard W Stewart Solicitor Or CE TWE¢uER1F= CUMBERLAND COUN'fY- PENNSYLVANIA U.S. Bank National Assocation vs. Case Number Cory L Shotzberger(et al.) 2013-4502 SHERIFF'S RETURN OF SERVICE 08/06/2013 08:13 PM - Deputy Jeff Kolodzi, 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: Cory L Shotzberger at 137 S. Enola Drive, East Pennsboro, Enola, PA 17025. )VF KgLODZI, DEPUTY 08/20/2013 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Occupant, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as"Not Found"at 137 S. Enola Drive, East Pennsboro, Enola, PA 17025 there were not other occupants at the residence other than the defendant. 08/20/2013 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Barbara A Baer, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as"Not Found"at 137 S. Enola Drive, East Pennsboro, Enola, PA 17025. Defendant does not reside at this address per Granddaughter, a phone number was provided and deputies did call the defendant but to this date the defendant has not returned our phone calls. SHERIFF COST: $76.95 SO ANSWERS, ('�Z, x 2X� August 20, 2013 RON R ANDERSON, SHERIFF (C)CountySuito Sheriff,Teleosott,Inc. SHAPIRO &DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D.NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D.NO. 311403 KASSIA FIALKOFF, ESQUIRE, ATTORNEY I.D.NO. 310530 AMY GLASS, ESQUIRE, ATTORNEY I.D.NO. 308367 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 =M M TELEPHONE: (610)278-6800 == -0 "Or-r-, S &D FILE NO. 13-043492 U.S. Bank,National Association, as Trustee COURT OF COMMON PLEA ;= =wk )>C_j = for the Certificateholders of CWMBS, Inc., CIVIL DIVISION CWMBS Reperforming Loan REMIC Trust, CUMBERLAND COUNTY C-' Certificates, Series 2005-R3 PLAINTIFF NO: 13-4502 Civil VS. Cory L. Shotzberger and Barbara A. Baer DEFENDANTS PRAECIPE FOR REINSTATEMENT TO THE PROTHONOTARY: Kindly reinstate the Complaint in the above-captioned matter. SHAPIRO &DeNARDO, LLC Date: BY: - w Attorneys for Plainti4 1(4 b I raN_5 9 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff svo of :+r/r/ile Jody S Smith Chief Deputy OCT PH r Richard W Stewart Solicitor M BE R L J 10,6\N `i, U.S. Bank National Assocation Case Number vs. 2013-4502 Barbara A Baer(et al.) SHERIFF'S RETURN OF SERVICE 09/30/2013 05:01 PM - Deputy Jason Kinsler, 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: Barbara A Baer at 248 Cumberland Road, Lower Allen, Camp Hill, PA 17011. 7 JASON KINSLEK, DEPUTY SHERIFF COST: $56.25 SO ANSWERS, October 01, 2013 RONR ANDERSON, SHERIFF t'c} GUra_d5wii0 Shores,Tel FOSCit. .... SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 5 r.1 n`t CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 -o -- Q AMY GLASS, ESQUIRE, ATTORNEY I.D. NO. 308367 J BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 3600 HORIZON DRIVE, SUITE 150 'L� ,�=, KING OF PRUSSIA, PA 19406 17 d • TELEPHONE: (610)278-6800 v = - S & D FILE NO. 13-043492 -< U.S. Bank,National Association, as Trustee COURT OF COMMON PLEAS for the Certificateholders of CWMBS, Inc., CIVIL DIVISION CWMBS Reperforming Loan REMIC Trust, CUMBERLAND COUNTY Certificates, Series 2005-R3 PLAINTIFF NO:13-4502 Civil VS. Cory L. Shotzberger and Barbara A. Baer DEFENDANTS PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES Enter Judgment IN REM in the amount of$54,501.71 in favor of the Plaintiff and against the Defendants, jointly and severally, for failure to file an answer to Plaintiffs Complaint in Mortgage Foreclosure within 20 days from service thereof and assess Plaintiffs damages as follows and calculated as stated in the Complaint: ' Principal of Mortgage Debt Due and Unpaid $49,206.91 Interest accrued $2,706.33 Late Charges $363.54 Escrow Advances $679.43 Property Inspection $30.00 Attorney Fees & Costs of Foreclosure $1,515.50 TOTAL / $54,501.71 BY: AO'," BRADLEY *+: •RiNE, ,umg tto - - or Plaintiff AND NOW,judgment is entered in favor of the 'laintiff and :ainst ' - D- .ants an damages are assessed as above in the sum of$54,501.71. P ; e , y. 13-043492 aINA 4s".D ar,-14 s12, S hU r SHAPIRO &DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 AMY GLASS, ESQUIRE, ATTORNEY I.D. NO. 308367 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S &D FILE NO. 13-043492 U.S. Bank, National Association, as Trustee COURT OF COMMON PLEAS for the Certificateholders of CWMBS, Inc., CUMBERLAND COUNTY CWMBS Reperforming Loan REMIC Trust, Certificates, Series 2005-R3 13-4502 Civil Bank of America 400 Countrywide Way Simi Valley, CA 93065 PLAINTIFF VS. Cory L. Shotzberger and Barbara A. Baer DEFENDANT(S) STATE OF: Pennsylvania COUNTY OF: Montgomery AFFIDAVIT OF NON-MILITARY SERVICE THE UNDERSIGNED being duly sworn, states that he/she is over the age of eighteen years and competent to make this affidavit and the following averments are based upon information contained in the records of the Plaintiff or servicing agent of the Plaintiff and that the above captioned Defendants last known address is as set forth in the caption and they are not to the best of our knowledge, information or belief, in the Military or Naval Service of the United States of America or its Allies as defined in the Soldiers and Sailors Civil Relief Act of 1940, as amended. SHAPIRO &DeNARDO, LLC Date: 1)v BY: Atto. -ys for 'ainti CAITLIN M.DONNELL' SQUIRE Sworn to and subscribed before me this t w day of e-C-Q JY, ,2013. COMMONWEALTH OF PENNSYLVANIA Notarial Seal V Jennifer M.Sharkey,Notary Public No Public Upper Merion Twp.,Montgomery County My Commission Expires Oct.19,2014 Member.Pennsylvania Association of Notaries Results as of:Dec-16-2013 05:29:11 Department of Defense Manpower Data Center + SCRA 3.0 4.., 44 4‘,'I,l i`i'i l t a Status Report . - . _ '', Pursuant to Servicemembers Civil Relief Act Last Name: BAER First Name: BARBARA Middle Name: A. . Active Duty Status As Of: Dec-16-2013 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA w, ,. - ^- ti • Nom,. NA This response reflects the Individuals'active duty status based on the Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA ' No NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA .NA ��'N.. ' No NA This response reflects whether the individual or his/her unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center,based on the information that you provided,the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services(Army,Navy,Marine Corps,Air Force,NOAA,Public Health,and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. HOWEVER,WITHOUT A SOCIAL SECURITY NUMBER,THE DEPARTMENT OF DEFENSE MANPOWER DATA CENTER CANNOT AUTHORITATIVELY ASSERT THAT THIS IS THE SAME INDIVIDUAL THAT YOUR QUERY REFERS TO.NAME AND DATE OF BIRTH ALONE DO NOT UNIQUELY IDENTIFY AN INDIVIDUAL. Thal A. , . ,., 1 - / ....,,a410...., r . Mary M..Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 . The Defense Manpower Data Center(DMDC)is an organization of the Department of Defense(DoD)that maintains the Defense Enrollment and Eligibility Reporting System(DEERS)database which is the official source of data on eligibility for military medical care and other eligibility systems. p The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act(50 USC App.§501 et seq,as amended)(SCRA)(formerly known as the Soldiers'and Sailors'Civil Relief Act of 1940). DMDC has issued hundreds of thousands of"does not possess any information indicating that the individual is currently on active duty"responses,and has experienced only a small error rate. In the event the individual referenced above,or any family member,friend,or representative asserts in any manner that the individual was on active duty for the active duty status date,or is otherwise entitled to the protections of the SCRA,you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil"URL:http://www.defenselink.mil/faq/pis/PC09SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification,punitive provisions of the SCRA may be invoked against you. See 50 USC App.§521(c). This response reflects the following information: (1)The individual's Active Duty status on the Active Duty Status Date(2)Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date(3)Whether the individual or his/her unit received early notification to report for active. duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC§101(d)(1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard,this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC§502(f)for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve(AGR)members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves(TARs),Marine Corps Active Reserve(ARs)and Coast Guard Reserve Program Administrator(RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration(NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA,as defined in accordance with 10 USC§101(d)(1). Many times orders are amended to extend the period of active duty,which would extend SCRA protections.Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore,some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted,but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name,SSN/date of birth,and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. • Certificate ID: 66KFD4B2M0FDN20 • Results as of:Dec-16-2013 05:29:14 Department of Defense Manpower Data Center • SCRA 3.0 C 4 •4.; ,1 Status R e p o r t ,`, .. .,. Pursuant to Sery cenne nbe rs Civil Relief Act , Last Name: SHOTZBERGER First Name: CORY Middle Name: L. Active Duty Status As Of: Dec-16-2013 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA , - - -- No' NA This response reflects the Individuals'active duty status based on the Active Duty Status Date / , ' _• '� Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA - -• No NA This response reflects where the Indtdual left active duty status within 367 days preceding the Active Duty Status Date AI The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA .NA,- - - No NA This response reflects whether the individual or his/her unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center,based on the information that you provided,the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services(Army,Navy,Marine Corps,Air Force,NOAA,Public Health,and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. HOWEVER,WITHOUT A SOCIAL SECURITY NUMBER,THE DEPARTMENT OF DEFENSE MANPOWER DATA CENTER CANNOT AUTHORITATIVELY ASSERT THAT THIS IS THE SAME INDIVIDUAL THAT YOUR QUERY REFERS TO.NAME AND DATE OF BIRTH ALONE DO NOT UNIQUELY IDENTIFY AN INDIVIDUAL. r , Thal, f 1 rtr ,,00„....,*..,,_ , r Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 . • • I The Defense Manpower Data Center(DMDC)is an organization of the Department of Defense(DoD)that maintains the Defense Enrollment and Eligibility Repo ing System(DEERS)database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act(50 USC App.§501 et seq,as amended)(SCRA)(formerly known as the Soldiers'and Sailors'Civil Relief Act of 1940). DMDC has issued hundreds of thousands of"does not possess any information indicating that the individual is currently on active duty"responses,and has experienced only a small error rate. In the event the individual referenced above,or any family member,friend,or representative asserts in any manner that the individual was on active duty for the active duty status date,or is otherwise entitled to the protections of the SCRA,you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil"URL:http://www.defenselink.mil/faq/pis/PC09SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification,punitive provisions of the SCRA may be invoked against you. See 50 USC App.§521(c). This response reflects the following information: (1)The individual's Active Duty status on the Active Duty Status Date(2)Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date(3)Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC§101(d)(1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard,this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC§502(f)for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve(AGR)members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves(TARs),Marine Corps Active Reserve(ARs)and Coast Guard Reserve Program Administrator(RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration(NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA,as defined in accordance with 10 USC§101(d)(1). Many times orders are amended to extend the period of active duty,which would extend SCRA protections.Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore,some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted,but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name,SSN/date of birth,and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: I6ZFZ48200FDH30 SHAPIRO & DeNARDO, LLC BY: AITLIN M. DONNEL. DeNARDO,ESIE ATTORNEY ATTORNEY 31D 030 78) 44 -P �H .,L Q ONo]'Ap, AMY GLASS, ESQUIRE, ATTORNEY I.D. NO. 308367 111.E jjEc ' 7 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 �� � / : 2 3600 HORIZON DRIVE, SUITE 150 MS yND ©�t�T Y KING OF PRUSSIA, PA 19406 �.VA {1U TELEPHONE: (610)278-6800 S & D FILE NO. 13-043492 U.S. Bank,National Association, as Trustee COURT OF COMMON PLEAS for the Certificateholders of CWMBS, Inc., CIVIL DIVISION CWMBS Reperforming Loan REMIC Trust, CUMBERLAND COUNTY Certificates, Series 2005-R3 PLAINTIFF NO: 13-4502 Civil VS. Cory L. Shotzberger and Barbara A. Baer DEFENDANTS CERTIFICATION OF MAILING NOTICE UNDER RULE 237.1 The undersigned hereby certifies that a Written Notice of Intention to File a Praecipe for the Entry of Default Judgment was mailed to the defendant (s) and to his, her, their attorney of record, if any, after the default occurred and at least (10) days prior to the date of the filing of the Praecipe. Said Notice was sent on the date set forth in the copy of said Notice attached hereto, December 4, 2013 to the following Defendants: Cory L. Shotzberger, 137 South Enola Drive, Enola, PA 17025 Barbara A. Baer, 248 Cumberland Road, Camp Hill, PA 17011 Tiffany Donnell, Legal Assistant to Christopher A. DeNardo, Esquire for Shapiro & DeNardo, LLC SHAPIRO &DeNARDO, LLC 3Y: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D.NO. 78447 CAITLIN M. DONNELLY, ESQUIRE,ATTORNEY I.D.NO. 311403 AMY GLASS,ESQUIRE, ATTORNEY I.D.NO. 308367 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S& D FILE NO. 13-043492 U.S. Bank,National Association, as Trustee COURT OF COMMON PLEAS for the Certificateholders of CWMBS, Inc., CIVIL DIVISION CWMBS Reperforming Loan REMIC Trust, CUMBERLAND COUNTY Certificates, Series 2005-R3 PLAINTIFF NO: 13-4502 Civil VS. Cory L. Shotzberger and Barbara A. Baer DEFENDANTS NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. 237.1 IMPORTANT NOTICE TO: Barbara A. Baer DATE OF NOTICE: December 4,2013 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set:forth against you. Unless you act within ten(10)days from the date of this notice,a Judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one,go to or telephone the following office to find out where you can get legal help: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 • PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATITEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. • NOTIFICACION IMPORTANTE Usted se encuentra en estado de rebeldia por no baber tornado la accion requirida de su parte en este caso. Al no tomar'la accion debida de-ntro de un termino de diet (10) dias de la fecha de esta notificacion,el tribuna podra, sin necesidad de compararecer usted in corte o escuchar preuba alguna,dictar sentencia en su contra. Usted puede perder bienes y otros derechos importantes. Debe Ilevar esta notificacion a un abogado immediatamente. Si usted no tiene abogado o si no • tiene dinero suficiente para tal servicio, vaya en persona o Ilame por telefono a la oficina cuya direccion se encuentra escrith abajo para averiguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WI-IOM RULE 237.1 NOTICE SENT TO Cory L. Shotzberger, .137 South Enola Drive, .Enola, PA 17025 Barbara A.Baer, 248 Cumberland Road,Camp Hill, PA 17011 SHAPIRO &.DcNARDO, LLC Date: 12.0,1 t�'j BY: AD, if At orneys for Piaitiff SHAPIRO&.DeNARDO, LLC --14) BY: CHRISTOPHER A. DeNARDO,ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE,ATTORNEY I.D. NO. 311403 AMY GLASS,ESQUIRE, ATTORNEY I.D.NO. 308367 BRADLEY J. OSBORNE,ATTORNEY I.D. NO. 312169 . 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 . TELEPHONE: (610)278-6800 S &D FILE NO. 13-043492 U.S. Bank,National Association, as Trustee COURT OF COMMON PLEAS for the Certificateholders of CWMBS, Iric., CIVIL DIVISION CWMBS Reperforming Loan REMIC Trust, CUMBERLAND COUNTY Certificates, Series 2005-R3 PLAINTIFF NO: 13-4502 Civil VS. Cory L. Shotzberger and Barbara A. Baer DEFENDANTS NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. 237.1 IMPORTANT NOTICE TO: Cory L. Shotzberger DATE OF NOTICE: December 4,-2013' You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten(10)days from the,date of this notice,a Judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at Once. If you do not have a lawyer or cannot afford one,go to or telephone the following office to find out where you can get legal help: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle. PA 17013 717-249-3.166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT TII1S LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. . • NOTIFICACION IMPORTANTE l` • Usted se encuentra en estado de rebeldia por no haber tornado la accion requirida de su pane en este caso. Al no tomar la accion debida dentro de-un termino de diez(10)dias de la fecha de esta notificaciorn,el tribuna podra, sin necesidad de compararecer usted in come o escuchar preuba alguna,dictar sentencia en su contra. listed puede perder bienes y otros derechos importantes. Debe llevar esta notificacion a un abogado innnediatamente. Si usted no tiene abogado o si no tiene dinero suficiente Para tal servicio,vaya en persona a ]lame por telefono a la oficina cuya direction se encuentra escrita abajo para averiguar donde se puede conseguir assitencia legal: 'Cumberland County Lawyer Referral Service Cumberland County Bar Association 32.South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR I)EI3T COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. • PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Cory L. Shotzberger, 137 South Enola Drive. Enola, PA 17025 Barbara A. Baer, 248 Cumberland Road, Camp Hill, PA 17011 • SHAPIRO & DeNARDO, LLC Date: 12.1 BY: ott v • Atto leys for Plaid iff • • SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 AMY GLASS, ESQUIRE, ATTORNEY I.D. NO. 308367 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 13-043492 U.S. Bank,National Association, as Trustee COURT OF COMMON PLEAS for the Certificateholders of CWMBS, Inc., CIVIL DIVISION CWMBS Reperforming Loan REMIC Trust, CUMBERLAND COUNTY Certificates, Series 2005-R3 PLAINTIFF NO:13-4502 Civil VS. Cory L. Shotzberger and Barbara A. Baer DEFENDANTS CERTIFICATE OF SERVICE I, Amy Glass, Esquire, Attorney for the Plaintiff, hereby certify that I have served by first class mail, postage prepaid, true and correct copies of the attached papers upon the following person(s) or their attorney of record: Cory L. Shotzberger, 137 South Enola Drive, Enola, PA 17025 Barbara A. Baer, 248 Cumberland Road, Camp Hill, PA 17011 Date Mailed: —I(QA SHAPIRO & DeNARDO, LLC Date: l2-I(0-1 BY: // BRA DLEY ,a • • tiff SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 AMY GLASS, ESQUIRE, ATTORNEY I.D. NO. 308367 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 13-043492 U.S. Bank, National Association, as Trustee COURT OF COMMON PLEAS for the Certificateholders of CWMBS, Inc., CIVIL DIVISION CWMBS Reperforming Loan REMIC Trust, CUMBERLAND COUNTY Certificates, Series 2005-R3 PLAINTIFF NO:13-4502 Civil VS. Cory L. Shotzberger and Barbara A. Baer DEFENDANTS CERTIFICATION OF ADDRESS I hereby certify that the correct address of the judgment creditor(Plaintiff) is: U.S. Bank,National Association, as Trustee for the Certificateholders of CWMBS, Inc., CWMBS Reperforming Loan REMIC Trust, Certificates, Series 2005-R3 400 Countrywide Way Simi Valley, CA 93065 and that the last known addresses of the judgment debtors (Defendants) are: Cory L. Shotzberger 137 South Enola Drive Enola, PA 17025 Barbara A. Baer 248 Cumberland Road Camp Hill, PA 17011 SHAPIRO & DeNARDO, LLC Date: 41(9-B BY: Attorneys for'Plaintiff BRADLEY'.OSBQRNA EMIRS 13-043492 OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Clerk Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 Curtis R. Long Prothonotary TO: Cory L. Shotzberger 137 South Enola Drive Enola, PA 17025 U.S. Bank,National Association, as Trustee for COURT OF COMMON PLEAS the Certificateholders of CWMBS, Inc., CIVIL DIVISION CWMBS Reperforming Loan REMIC Trust, CUMBERLAND COUNTY Certificates, Series 2005-R3 PLAINTIFF NO: 13-4502 Civil VS. Cory L. Shotzberger and Barbara A. Baer DEFENDANTS NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. t7. 13oett- Prothonotary [XX] Judgment by Default 3b1111P [ ] Judgment for Possession [ ] Judgment on Award of Arbitration [ ] Judgment on Verdict [ ] Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY AMY GLASS, ESQUIRE AT (610)278-6800. OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Clerk Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 Curtis R. Long Prothonotary TO: Barbara A. Baer 248 Cumberland Road Camp Hill, PA 17011 U.S. Bank, National Association, as Trustee for e COURT OF COMMON PLEAS the Certificateholders of CWMBS, Inc., CIVIL DIVISION CWMBS Reperforming Loan REMIC Trust, CUMBERLAND COUNTY Certificates, Series 2005-R3 PLAINTIFF NO: 13-4502 Civil VS. Cory L. Shotzberger and Barbara A. Baer DEFENDANTS NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. Prothonotary [XX] Judgment by Default [ ] Judgment for Possession [ ] Judgment on Award of Arbitration [ ] Judgment on Verdict [ ] Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY AMY GLASS, ESQUIRE AT(610)278-6800. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION Caption: () Confessed Judgment File) Other j 3 �SbA U.S. Bank,National Association, as Trustee Fi No.o. ` for the Certificateholders of CWMBS, Inc., Amount Due $54,501.71 CWMBS Reperforming Loan REMIC Trust, Interest December 17, 2013 to June 4, 2014c) Certificates, Series 2005-R3 is $1,523.03 c7 _T1 PLAINTIFF Atty's Comm .� -t Costs rn m rn r W c-) ,r,. cr) _ c ` VS. -tom ' r -� te°- -�; • V4C3 Cory L. Shotzberger and Barbara A. Baer DEFENDANT(S) TO THE PROTHONOTARY OF THE SAID COURT: The undersigned hereby certifies that the below does not arise out of a retail installment safe, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon the following described property of the defendant(s) See attached Legal Description PRAECIPE FOR ATTACHEMENT EXECUTION Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property(if real estate, supply six copies of the description; supply four copies of lengthy personalty list) and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s). (Indicate) Index this writ against the garnishee(s) as a lis pendens against real estate of the defendant(s) described in the attached exhibit. Date: ) \(.o 6 Signature: Print Name: Bradldr. Osborne, Esquire � a Address: 3600 Horizon Drive, Suite 150 aNc\- 0 ' v King of Prussia, PA 19406 -1 r M. n 1 C C� Attorney for: Plaintiff l0 " Supreme Court ID #PA Bar#312169 �,�#/l/b/S3025 acis pctaltitif 9q9.= Vrt-leti WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO. 13-4502 Civil COUNTY OF CUMBERLAND) CIVIL ACTION—LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due U.S.BANK,NATIONAL ASSOCIATION,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWMBS,INC.,CWMBS REPERFORMING LOAN REMIC TRUST,CERTIFICATES,SERIES 2005-R3 Plaintiff(s) From CORY L.SHOTZBERGER AND BARBARA A.BAER (1) You are directed to levy upon the property of the defendant(s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s)not levied upon in the possession of GARNISHEE(S)as follows: and to notify the garnishee(s)that: (a)an attachment has been issued;(b)the garnishee(s) is enjoined from paying any debt to or for the account of the defendant(s)and from delivering any property of the defendant (s)or otherwise disposing thereof; (3) If property of the defendant(s)not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee,you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due: $54,501.71 L.L.: $.50 Interest DECEMBER 17,2013 TO JUNE 4,2014 IS$1,523.03 Atty's Comm: Due Prothy: $2.25 Atty Paid: $293.70 Other Costs: Plaintiff Paid: Date: 12/17/13 cDiff • David :fuell,Prothonotary (Seal) �. By: Deputy REQUESTING PARTY: Name: BRADLEY J. OSBORNE,ESQUIRE Address: SHAPIRO&DENARDO,LLC 3600 HORIZON DRIVE,SUITE 150 KING OF PRUSSIA,PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 Supreme Court ID No.312169 TRACT#1 ALL THAT CERTAIN tract or parcel of land with the buildings and improvements thereon erected situate in East Pennsboro Township, Cumberland County, Pennsylvania,more particularly bounded and described as follows to with; BEGINNING at a point on the westerly line of Enola Drive, which point is 45 feet southwardly of the southwesterly corner of Penn Street and Enola Drive; thence along the westerly line of Enola Drive, South 8 degrees East, 15 feet to a point; thence South 82 degrees West, 92 feet to a point; thence North 8 degrees West, 15 feet to a point; thence North 82 degrees East, 92 feet to a point, the place of BEGINNING. BEING known and numbered as 137 S. Enola Drive. SUBJECT to the right of way as recorded January 4, 1950 in the office aforesaid in Miscellaneous Book 91, Page 590. TRACT#2 ALL THAT CERTAIN tract of land situation in East Pennsboro Township, Cumberland County, Pennsylvania,more particularly bounded and described as follows: BEGINNING at a point on the eastern side of Second Street, said point being located forty-five (45) feet in a southeasterly direction from the southern side of Penn Street; thence in a southerly direction along the southeasterly side of Second Street a distance of fifteen (15) feet to a point in line of Lot No. 3 on the hereinafter mentioned Plan of Lots; thence in a northeasterly direction a distance of fifty-eight(58) feet to a point in line of lands formerly conveyed by C. Walter Fogelsaner to Marie A. Mathias, thence along said lands in a northwesterly direction a distance of fifteen (15)feet to a point; thence in southwesterly direction along Lot No. 1, a distance of fifty-eight(58) feet to a point on the easterly side of Second Street, the place of BEGINNING. BEING the rear of 137 S. Enola Drive and being part of Lot No. 2 in the Revised Plan of Lots laid out by the Henry Bender Estate(Extension of Enola),recorded in Plan Book 1, Page 40. PARCEL No. 09-15-1291-124 BEINGthe same premises which Michael E. King and Laura G. King,husband and wife,by Deed dated April 15, 2003 and recorded April 17, 2003 in the Cumberland County Recorder of Deeds Office in Deed Book 256,page 2984, granted and conveyed unto Cory L. Shotzberger, a single man and Barbara A. Baer, a single woman. 1l SHAPIRO & DeNARDO, LLC 'R(1 ti ,f taL: 0 TAR BY: CHRISTOPHER A. DeNARDO, 2°130EC ESQUIRE, ATTORNEY I.D. NO. 78447 1 4 i is 13 CAITLIN M. DONNELLY, ESQUIRE, Y� ATTORNEY I.D. NO. 311403 $/k NS ANIANTY AMY GLASS, ESQUIRE, ATTORNEY I.D. NO. 308367 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 3600 HORIZON DRIVE,.SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 13-043492 U.S. Bank,National Association, as Trustee COURT OF COMMON PLEAS for the Certificateholders of CWMBS, Inc., CIVIL DIVISION CWMBS Reperforming Loan REMIC Trust, CUMBERLAND COUNTY Certificates, Series 2005-R3 PLAINTIFF NO: 13-4502 Civil VS. Cory L. Shotzberger and Barbara A. Baer DEFENDANTS AFFIDAVIT PURSUANT TO RULE 3129.1 U.S. Bank,National Association, as Trustee for the Certificateholders of CWMBS, Inc., CWMBS Reperforming Loan REMIC Trust, Certificates, Series 2005-R3, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 137 South Enola Drive, Enola, PA 17025. 1. Name and address of Owner(s) or Reputed Owner(s) Cory L. Shotzberger 137 South Enola Drive Enola, PA 17025 Barbara A. Baer 248 Cumberland Road Camp Hill, PA 17011 2. Name and address of Defendants in the judgment: Cory L. Shotzberger 137 South Enola Drive Enola, PA 17025 Barbara A. Baer 248 Cumberland Road Camp Hill, PA 17011 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: U.S. Bank,National Association, as Trustee for the Certificateholders of CWMBS, Inc., CWMBS Reperforming Loan REMIC Trust, Certificates, Series 2005-R3 400 Countrywide Way Simi Valley, CA 93065 Midland Funding LLC 8875 Aero Drive, Suite 200 San Diego, CA 92123 Midland Funding, LLC c/o Yale D. Weinstein, Esquire 1060 Andrew Drive, Ste. 170 West Chester, PA 19380 4. Name and address of the last recorded holder of every mortgage of record: U.S. Bank,National Association, as Trustee for the Certificateholders of CWMBS, Inc., CWMBS Reperforming Loan REMIC Trust, Certificates, Series 2005-R3 400 Countrywide Way Simi Valley, CA 93065 5. Name and address of every other person who has any record lien on the property: East Pennsboro Township 98 S. Enola Drive Enola, PA 17025 PA Department of Revenue Bureau of Compliance P.O. Box 281230 Harrisburg, PA 17128-1230 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: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 137 South Enola Drive Enola, PA 17025 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. SHAPIRO &DeNARDO, LLC BY: Bradley J borne, Esquire 13-043492 SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 AMY GLASS, ESQUIRE, ATTORNEY I.D. NO. 308367 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 r` S & D FILE NO. 13-043492 -n U.S. Bank,National Association, as Trustee COURT OF COMMON PLEA ' --ter for the Certificateholders of CWMBS, Inc., CIVIL DIVISION cnr- � ; r CWMBS Reperforming Loan REMIC Trust, CUMBERLAND COUNTY te--z -� = Certificates, Series 2005-R3 <c) 37. c)-� PLAINTIFF NO: 13-4502 Civil -= a r l VS. Cory L. Shotzberger and Barbara A. Baer -<DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Cory L. Shotzberger 137 South Enola Drive Enola, PA 17025 Your house (real estate) at: 137 South Enola Drive,Enola, PA 17025 09-15-1291-124 is scheduled to be sold at Sheriffs Sale on June 4, 2014 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00AM to enforce the court judgment of$54,501.71 obtained by U.S. Bank,National Association, as Trustee for the Certificateholders of CWMBS, Inc., CWMBS Reperforming Loan REMIC Trust, Certificates, Series 2005-R3 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to U.S. Bank, National Association, as Trustee for the Certificateholders of CWMBS, Inc., CWMBS Reperforming Loan REMIC Trust, Certificates, Series 2005-R3 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorney's fees due. To find out how much you must pay, you may call: (610)278-6800. 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. 3. You may be able to stop the sale through other legal proceedings. w. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of 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. 5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling(610)278-6800. 6. 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. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. 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. 9. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 10. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the 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 date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house 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 Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS .LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 13-043492 TRACT#1 ALL THAT CERTAIN tract or parcel of land with the buildings and improvements thereon erected situate in East Pennsboro Township, Cumberland County, Pennsylvania,more particularly bounded and described as follows to with; BEGINNING at a point on the westerly line of Enola Drive, which point is 45 feet southwardly of the southwesterly corner of Penn Street and Enola Drive; thence along the westerly line of Enola Drive, South 8 degrees East, 15 feet to a point; thence South 82 degrees West, 92 feet to a point; thence North 8 degrees West, 15 feet to a point; thence North 82 degrees East, 92 feet to a point, the place of BEGINNING. BEING known and numbered as 137 S. Enola Drive. SUBJECT to the right of way as recorded January 4, 1950 in the office aforesaid in Miscellaneous Book 91, Page 590. TRACT#2 ALL THAT CERTAIN tract of land situation in East Pennsboro Township, Cumberland County, Pennsylvania,more particularly bounded and described as follows: BEGINNING at a point on the eastern side of Second Street, said point being located forty-five 45 feet in a southeasterly direction from the southern side of Penn Street; thence in a southerly ( ) Y direction along the southeasterly side of Second Street a distance of fifteen (15) feet to a point in line of Lot No. 3 on the hereinafter mentioned Plan of Lots; thence in a northeasterly direction a distance of fifty-eight(58) feet to a point in line of lands formerly conveyed by C. Walter Fogelsaner to Marie A. Mathias, thence along said lands in a northwesterly direction a distance of fifteen (15) feet to a point; thence in southwesterly direction along Lot No. 1, a distance of fifty-eight(58) feet to a point on the easterly side of Second Street, the place of BEGINNING. BEING the rear of 137 S. Enola Drive and being part of Lot No. 2 in the Revised Plan of Lots laid out by the Henry Bender Estate(Extension of Enola),recorded in Plan Book 1, Page 40. PARCEL No. 09-15-1291-124 BEINGthe same premises which Michael E. King and Laura G. King,husband and wife,by Deed dated April 15, 2003 and recorded April 17, 2003 in the Cumberland County Recorder of Deeds Office in Deed Book 256,page 2984, granted and conveyed unto Cory L. Shotzberger, a single man and Barbara A. Baer, a single woman. SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 AMY GLASS, ESQUIRE, ATTORNEY I.D. NO. 308367 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 13-043492 c-) -r U.S. Bank,National Association, as Trustee COURT OF COMMON PLEAS.. for the Certificateholders of CWMBS, Inc., CIVIL DIVISION rnco i=1 r W c`s ryl CWMBS Reperforming Loan REMIC Trust, CUMBERLAND COUNTY -x-p _ w.: Certificates, Series 2005-R3 4c PLAINTIFF NO: 13-4502 Civil cam • c-- >c) ---- VS. Zc) Cory L. Shotzberger and Barbara A. Baer DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Barbara A. Baer 248 Cumberland Road Camp Hill, PA 17011 Your house (real estate) at: 137 South Enola Drive, Enola, PA 17025 09-15-1291-124 is scheduled to be sold at Sheriffs Sale on June 4, 2014 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00AM to enforce the court judgment of$54,501.71 obtained by U.S. Bank,National Association, as Trustee for the Certificateholders of CWMBS, Inc., CWMBS Reperforming Loan REMIC Trust, Certificates, Series 2005-R3 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to U.S. Bank, National Association, as Trustee for the Certificateholders of CWMBS, Inc., CWMBS Reperforming Loan REMIC Trust, Certificates, Series 2005-R3 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorney's fees due. To find out how much you must pay, you may call: (610)278-6800. 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. 3. You may be able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of 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. 5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling(610)278-6800. 6. 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. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. 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. 9. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 10. You may be entitled to a share of the money,which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the 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 date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house 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 Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 13-043492 1 TRACT#1 ALL THAT CERTAIN tract or parcel of land with the buildings and improvements thereon erected situate in East Pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows to with; BEGINNING at a point on the westerly line of Enola Drive, which point is 45 feet southwardly of the southwesterly corner of Penn Street and Enola Drive; thence along the westerly line of Enola Drive, South 8 degrees East, 15 feet to a point; thence South 82 degrees West, 92 feet to a point; thence North 8 degrees West, 15 feet to a point; thence North 82 degrees East, 92 feet to a point, the place of BEGINNING. BEING known and numbered as 137 S. Enola Drive. SUBJECT to the right of way as recorded January 4, 1950 in the office aforesaid in Miscellaneous Book 91, Page 590. TRACT#2 ALL THAT CERTAIN tract of land situation in East Pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows: BEGINNING at a point on the eastern side of Second Street, said point being located forty-five (45) feet in a southeasterly direction from the southern side of Penn Street; thence in a southerly direction along the southeasterly side of Second Street a distance of fifteen (15) feet to a point in line of Lot No. 3 on the hereinafter mentioned Plan of Lots; thence in a northeasterly direction a distance of fifty-eight(58) feet to a point in line of lands formerly conveyed by C. Walter Fogelsaner to Marie A. Mathias, thence along said lands in a northwesterly direction a distance of fifteen(15) feet to a point; thence in southwesterly direction along Lot No. 1, a distance of fifty-eight(58) feet to a point on the easterly side of Second Street, the place of BEGINNING. BEING the rear of 137 S. Enola Drive and being part of Lot No. 2 in the Revised Plan of Lots laid out by the Henry Bender Estate(Extension of Enola), recorded in Plan Book 1, Page 40. PARCEL No. 09-15-1291-124 BEINGthe same premises which Michael E. King and Laura G. King, husband and wife, by Deed dated April 15, 2003 and recorded April 17, 2003 in the Cumberland County Recorder of Deeds Office in Deed Book 256, page 2984, granted and conveyed unto Cory L. Shotzberger, a single man and Barbara A. Baer, a single woman. SHAPIRO & DeNARDO, LLC BY:. CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278 -6800 S & D FILE NO. 13- 043492 U.S. Bank, National Association, as Trustee for the Certificateholders of CWMBS, Inc., CWMBS Reperforming Loan REMIC Trust, Certificates, Series 2005 -R3 PLAINTIFF VS. Cory L. Shotzberger and Barbara A. Baer DEFENDANTS 2914 i4PA 30 PIV I: C11/113ERL AND PENNS LVANl COO: COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:13 -4502 Civil CERTIFICATION OF NOTICE TO LIENHOLDERS PURSUANT TO PA R.C.P 3129.2 (C) (2) I, Meghan Williams, Legal Assistant for Shapiro & DeNardo, LLC, attorneys for the Plaintiff, U.S. Bank, National Association, as Trustee for the Certificateholders of CWMBS, Inc., CWMBS Reperforming Loan REMIC Trust, Certificates, Series 2005 -R3, hereby certify that Notice of Sale was served on all persons appearing on Exhibit "A" attached hereto, by United States mail, first class, postage prepaid, with Certificates of Mailing on February 28, 2014, the originals of which are attached and that each of said persons appears on Plaintiffs Affidavit pursuant to Pa. R.C.P. 3129.1. The undersigned understands that the statements herein are subject to the penalties provided by 18 P.S. Section 4904. Date: 13- 043492 By: SHAPII O DENA O, LLC A i ' Megha Williams Legal Assistant t Name and Address of Sender Shapiro & DeNardo, LLC 3600 Horizon Drive Suite 150 King of Prussia, PA 19406 Check type of mail or service: O Certified O COD 0 Delivery Confirmation O Express Mail ID Insured O Recorded Delivery (International) O Registered O Return Receipt for Merchandise O Signature Confirmation Affix Stamp Here (If issued as a certificate of mailing, or for additional copies of this bill) Postmark and Dale of Receipt Article Number Addressee (Name, Street, City State, & ZIP Code) Postage Fee Handling Charge 1. 13-043492 MW 2. 3. 4. 5. 6. 7. 8. Total Number of Pieces Listed by Sender 6 Total Number of Pieces Receiv d t P Office Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 Midland Funding LLC 8875 Aero Drive, Suite 200 San Diego, CA 92123 Midland Funding, LLC c/o Yale D. Weinstein, Esquire 1060 Andrew Drive, Ste. 170 West Chester, PA 19380 East Pennsboro Township 98 S. Enola Drive Enola, PA 17025 Tenant or Occupant 137 South Enola Drive Enola, PA 17025 PA Department of Revenue Bureau of Compliance P.O. Box 281230 Harrisburg, PA 17128-1230 Postniaster, Per (!y -of iltdriOlOnployee) U.S. POSTAGE,* PITNEY BOWES • ZIP 19406 $ 002 82° 021r 00013 EB 28 2014 iC: rjFee re.0 \ Fee Fee • 1, if Registered Value RR Fee 0 a.) 'CO U U rf U C/) See Privacy Act Statement on Reverse PS Form 3877, February 2002 (ago 1 of 1) /,..-'Complete by Typewriter, Ink or Ball Point Pen 1 SHERIFF'S.OFFICE OF CUMBERLAND COUNTY Ronny R Anderson • Sheriff ! ' p+`• i;..ty+.11S f a.$C21'#"C�•a - i i:.. YJ Vi1.$ 1 { • i;4..{,. Jody S Smith 'o Chief Deputy L 2 1 Richard W Stewart �j A° C1 it t= V ,;=€ Crc m CIJM8ERLANt} CUNT i Solicitor PENNSYLVANIA U.S. Bank National Assocation vs. Case Number 2013-4502 Barbara A Baer(et al.) SHERIFF'S RETURN OF SERVICE 03/28/2014 03:45 PM - Deputy Dawn Kell, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be the Defendant, to wit: Barbara A Baer at 248 Cumberland Road, Lower Allen, Camp Hill, PA 17011, Cumberland County. 03/28/2014 07:19 PM - Deputy Ryan Burgett, being duly sworn according to law, states service was performed by posting a true copy of the requested Real Estate Writ, Notice and Description, and Sale Handbill in the above titled action, upon the property located at 137 South Enola Drive, East Pennsboro-Township, Enola, PA 17025, Cumberland County. 04/03/2014 07:28 PM -Deputy Noah Cline, being duly sworn according to law, served the requested Real Estate Writ, Notice and Description, in the above titled action, by making known its contents and at the same time personally handing a true copy to a person representing themselves to be Cassie Shotzberger, wife, who accepted as"Adult Person in Charge"for Cory L Shotzberger at 137 S. Enola Drive, East Pennsboro, Enola, PA 17025, Cumberland County. 06/04/2014 Ronny R.Anderson, Sheriff, being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Cumberland County Courthouse 1 Courthouse Square Carlisle Pa, 17013 at 1000 am on June 4, 2014. He sold the same for the sum of$1.00 to Attorney Christopher Denardo, on behalf of U.S. Bank National Association, As Trustee for the Certificateholders of CWMBS, Inc. CWMBS Reperforming Loan REMIC Trust, Certificates Series 2005-R3, being the buyer in this execution, paid to the Sheriff the sum of SHERIFF COST: $1,355.92 SO ANSWERS, July 17, 2014 RONNY ANDERSON, SHERIFF P adz- 2- 5 fa • ar • s7) Lcinc,/ 4.4 g7,01.92 3e 7 '- •c;C• rty .5t�erif?.''eieos(t.1,3c On March 3, 2014 the Sheriff levied upon the defendant's interest in the real property situated in East Pennsboro Township, Cumberland County, PA, Known and numbered 137 S. Enola Drive, Enola, as Exhibit "A" filed with this Writ and by this Reference incorporated herein. Date: March 3, 2014 By: • Real Estate oor ina or 0 j r.;nr • LXIII 16 CUMBERLAND LAW JOURNAL 04/18/14 Writ No. 2013-4502 Civil Term of fifty-eight (58) feet to a point in line of lands formerly conveyed by U.S. Bank National Assocation C. Walter Fogelsanger to Marie A. vs. Mathias, thence along said lands in Barbara A. Baer a northwesterly direction a distance Cory L. Shotzberger of fifteen(15)feet to a point;thence in southwesterly direction along Lot No. Atty.: Christopher DeNardo I,a distance of fifty-eight(58)feet to TRACT#1 a point on the easterly side of Second ALL THAT CERTAIN tract or Street,the place of BEGINNING. parcel of land with the buildings BEING the rear of 137 S. Enola and improvements thereon erected Drive and being part of Lot NO.2 in situate in East Pennsboro Township, the Revised Plan of Lots laid oilt by Cumberland County, Pennsylvania, the Henry Bender Estate(Extension more particularly bounded and de- of Enola), recorded in Plan Book I, scribed as follows to with; Page 40. BEGINNING at a point on the PARCEL No. 09-15-1291-124. westerly line of Enola Drive, which BEING the same premises which point is 45 feet southwardly of the Michael E. King and Laura G. King, southwesterly comer of Penn Street husband and wife, by Deed dated and Enola Drive; thence along the April 15, 2003 and recorded April westerly line of Enola Drive, South 17,2003 in the Cumberland County 8 degrees East, 15 feet to a point; Recorder of Deeds Office in Deed thence South 82 degrees West, 92 Book 256, page 2984, granted and feet to a point;thence North 8 degrees conveyed unto Cory L. Shotzberger, West, 15 feet to a point;thence North a single man and Barbara A.Baer,a 82 degrees East, 92 feet to a point, single woman. the place of BEGINNING. BEING known and numbered as 137 S. Enola Drive. SUBJECT to the right of way as recorded January 4, 1950 in the of- fice aforesaid in Miscellaneous Book 91, Page 590. TRACT#2 ALL THAT CERTAIN tract of land situation in East Pennsboro Town- ship, Cumberland County, Pennsyl- vania, more particularly bounded and described as follows: BEGINNING at a point on the eastern side of Second Street, said point being located forty-five(45)feet in a southeasterly direction from the southern side of Penn Street;thence in a southerly direction along the southeasterly side of Second Street a distance of fifteen(15)feet to a point in line of Lot NO.3 on the hereinafter mentioned Plan of Lots; thence in a northeasterly direction a distance 24 • PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA : • ss. COUNTY OF CUMBERLAND : Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: April 18, April 25 and May 2, 2014 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. c �/ r Lisa Marie Coy , Editor SWORN TO AND SUBSCRIBED before me this 2 day of May, 2014 I. Notary COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BORO.,CUMBERLAND CNTY My Commission Expires Apr 28,2018 'The Patriot-News Co. 2020 Technology Pkwy' be atiiotNtws Suite 300 Mechanicsburg, PA 17050 Now you know Inquiries - 717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Marianne Miller, being duly sworn according to law, deposes and says: That she is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 2020 Technology Pkwy, Suite 300, in the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/Community Weekly editions which appeared on the date(s) indicated below. That neither she nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book"M", Volume 14, Page 317. This ad ran on the date(s)shown below: :LHOIli NRIIIFLLf1OS an NO 04/13/14 Mid NOXI NIY 1,`G'`9NIINQNIIO fl LIM 01 SMOTIOd 04/20/14 SV aaitnusaa fiI1 'If1�LL2I�'d RIM SH `YINVA'ASNINIId 04/27/14 ',urinOO aro nIaawn7 `IIHSNA%O.L /may d3AAO'I NI anoT.LIS QIQti'I dO &2M:NIV112.3 HSORL TIV JeuseM wpwed °fid Swor to :nd subscribed before me is 02 day of May, 014 `.D. euelwJea"5r eaelolJe8 Ti U 3 A 1I ali 311 • - -T.lic • Vulolmetueol ti •so atptiup auq ay; WJ j IlA 3 POLS-ci0t luPd goFIas`;oalagl auq mum aq� arog 12,3 Sz aq`iLS;L •oN PeoN c Ezo-z6S0-£z-o #Pond dcgsamQL 3o amj Arm jo iq$u ammrim Ct}utv� ALTN OF PENNSYlV,4NIA VW*IN a i ao latod r itomwoun `mrag 'j A upog olun Rama :l!m pae palaea `ELLSz600z iagamN of`smono3 se papaw par papanoq aan�isuI se `Ayane0 paepagann :eNuAlAsaaad 'Alma paeliaga►� Dec.12la J0 Puy ti! ` d Sam Sued is IF!,a WI M-F: „�;t{vi nir �7677;'. .,IS I 3 P 6002 bI IsuR� ao nt qL S, AIN luuns papuooar par 600z$1 isusuv palep aoaiagl slaaaranoidan aql par mei • paaU nags Aq `ajrnn Pae pargsnq 30' laRII NIIV.LII D 'JVRL TI? auag"I SIJ PIIg /1"I jegpg garqm sasnaaid acres agl OMga viaeuela y non :AIA/ •£inti Sem W UUW COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND }SS: I, Tammy Shearer, Recorder of Deeds in and for said County and State do hereby certify that the Sheriff's Deed in which US Bank, NA as Trustee for the Certificateholders of CWMBS Inc. is the grantee the same having been sold to said grantee on the 4th day of June A.D., 2014, under and by virtue of a writ Execution issued on the 17th day of December, A.D., 2013, out of the Court of Common Pleas of said County as of Civil Term, 2013 Number 4502, at the suit of US Bank, NA Trustee for the Certificateholders of CWMBS Inc. against Cory L. Shotzberger& Barbara A. Baer is duly recorded as Instrument Number 201415705. IN TESTIMONY WHEREOF, I have hereunto set my hand and s-.1 of said office this a/ day of Sf A.D. i / if Recorder of Deeds R of 'ds,Cumberland County,Carlisle,PA My Commiss' Expires the First Monday of Jan.2018