HomeMy WebLinkAbout13-4564 Supreme Court-.of Pennsylvania
Cou 5L
i f �Pleas
� For Prothonotary Use Only:
k o�v�ek Sheet
CUMBE D RP County Docket No:
The information collected on this form is used solely for court administration purposes. This form does not
supplement or replace the filing and service ofpleadings or other papers as required by law or rules of court.
S Commencement of Action:
❑D Complaint ❑ Writ of Summons ❑ Petition
E+ ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking
C Lead Plaintiff's Name: WELLS FARGO BANK, N.A. Lead Defendant's Name: CHRISTIN L. ZYGMUNT
T
I Dollar Amount Requested: ❑ within arbitration limits
Are money damages requested? ❑ Yes 0 No (Check one) ❑x outside arbitration limits
N is this a Class Action Suit? ❑ Yes Z No Is this an MDJ Appeal? ❑ Yes 0 No
A Name of Plaintiff/Appellant's Attorney: Melissa J. Cantwell, Esq., Id. , No.308912, Phelan Hallinan, LLP
❑ Check here if you have no attorney (are a Self - Represented [Pro Sel Litigant)
Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your
PRIMARY CASE. If you are making more than one type of claim, check the one'that
you consider most important.
TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS
❑ Intentional ❑ Buyer Plaintiff Administrative Agencies
❑ Malicious Prosecution ❑ Debt Collection: Credit Card ❑ Board of Assessment
• Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections
• Nuisance ❑ Dept. of Transportation
• Premises Liability ❑ Statutory Appeal: Other
❑ Product Liability (does not
S include mass tort) ❑ Employment Dispute:
❑ Slander/Libel/ Defamation Discrimination
E ❑ Other: ❑ Employment Dispute: Other ❑ Zoning Board
C ❑ Other:
T
I MASS TORT ❑ Other:
U ❑ Asbestos
N ❑ Tobacco
❑ Toxic Tort - DES
• Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS
• Toxic Waste ❑ Ejectment ❑ Common Law /Statutory Arbitration
B ❑ Other: ❑ Eminent Domain /Condemnation ❑ Declaratory Judgment
❑ Ground Rent ❑ Mandamus
❑ Landlord /Tenant Dispute ❑ Non - Domestic Relations
® Mortgage Foreclosure: Residential Restraining Order
PROFESSIONAL LIABILITY ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto
❑ Dental ❑ Partition ❑ Replevin
❑ Legal ❑ Quiet Title ❑ Other:
❑ Medical ❑ Other:
❑ Other Professional:
Pa.R.C.P, 205.5 Updated 01/01/2011
IOg. .
�R4LAND C0Ui�TY'
I ENNS YLVANIA
PHELAN HALLINAN, LLP ATTORNEY FOR PLAINTIFF
Melissa J. Cantwell, Esq., Id. No.308912
1617 JFK Boulevard, Suite 1400
One Penn Center Plaza
Philadelphia, PA 19103
Melissa. Cantwell @phelanhallinan.com
215 -563 -7000
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
WELLS FARGO BANK, N.A.
3476 STATEVIEW BOULEVARD CIVIL DIVISION
FORT MILL, SC 29715
Plaintiff, NO.: Vs
VS.
CHRISTIN L. ZYGMUNT
16 BELLMORE ROAD
CAMP HILL, PA 17011 -7901
KEVIN R. ZYGMUNT
16 BELLMORE ROAD
CAMP HILL, PA 17011 -7901
Defendants.
CIVIL ACTION — COMPLAINT IN MORTGAGE FORECLOSURE
And now comes WELLS FARGO BANK, N.A., by its attorneys, Phelan Hallinan, LLP
and files this Complaint in Mortgage Foreclosure as follows:
'V/03. �5
062 -PA -V3
1. The Plaintiff is WELLS FARGO BANK, N.A., 3476 STATEVIEW
BOULEVARD, FORT MILL, SC 29715 (hereinafter "plaintiff').
2. The Defendants, CHRISTIN L. ZYGMUNT and KEVIN R. ZYGMUNT, are
individuals whose last known address are 16 BELLMORE ROAD, CAMP HILL, PA 17011-
7901.
3. WELLS FARGO BANK, N.A., directly or through an agent, has possession of
the Promissory Note. WELLS FARGO BANK, N.A. is either the original payee of the
Promissory Note or the Promissory Note has been duly indorsed. A true and correct copy of said
Promissory Note is marked Exhibit "A ", attached hereto and made a part hereof.
4. On or about October 25, 2006, CHRISTIN L. ZYGMUNT and KEVIN R.
ZYGMUNT made, executed and delivered to MORTGAGE ELECTRONIC REGISTRATION
SYSTEMS, INC. AS NOMINEE FOR ACCESS NATIONAL MORTGAGE a Mortgage in the
original principal amount of $149,458.00 on the premises described in the legal description
marked Exhibit "B ", attached hereto and made a part hereof. Said Mortgage being recorded in the
Office of the Recorder of CUMBERLAND County in Book 1973, Page 2143. The Mortgage is a
matter of public record and is incorporated herein by reference in accordance with Pa.R.C.P.
1019(g), which rule relieves the Plaintiff from its obligation to attach documents to pleadings if
those documents are of public record.
5. Plaintiff is the current Mortgagee. By Assignment of Mortgage recorded
September 16, 2011, the mortgage was assigned to WELLS FARGO BANK, N.A. which
Assignment is recorded in the Office of the Recorder of CUMBERLAND County in Instrument
No. 201125766. The Assignment is a matter of public record and is incorporated herein by
reference in accordance with Pa.R.C.P. 1019(g), which rule relieves the Plaintiff from its
obligation to attach documents to pleadings if those documents are of public record.
6. CHRISTIN L. ZYGMUNT and KEVIN R. ZYGMUNT are record and real
owners of the aforesaid mortgaged premises.
7. Defendants are in default under the terms of the aforesaid Mortgage for, inter alia,
062 -PA -V3
failure to pay the monthly installments of principal and interest due December 1, 2012.
8. As of 07/23/2013, the amount due and owing Plaintiff on the mortgage is as
follows:
Principal Balance $106,154.70
Interest $ 5,015.89
11/01/2012 through 07/23/2013
Late Charges $ 1,038.55
Escrow Deficit $ 344.84
Suspense Balance $ (1,122.40)
TOTAL $111,431.58
plus interest and all other additional amounts under the Mortgage and Pennsylvania
Law, actually and reasonably incurred by Plaintiff, including but not limited to, costs (including
escrow advances) and Plaintiff's attorneys' fees and expenses. Plaintiff reserves the right to file
a motion in the above - captioned action to add such additional sums authorized under the
Mortgage and Pennsylvania Law to the above amount due and owing when incurred.
9. Notice of Intention to Foreclose as set forth in Act 6 of 1974, Notice of
Homeowner's Emergency Mortgage Assistance Program pursuant to Act 91 of 1983, as amended
in 2008, and /or Notice of Default as required by the mortgage document, as applicable, have
been sent to the Defendant(s).
10. This action does not come under Act 91 of 1983 because the mortgage is FHA -
insured.
11. This is an in rem action only against the aforesaid mortgaged premises. Plaintiff
is not seeking a judgment of personal liability against the Defendant(s), but reserves its right to
do so in a separate legal action if such right exists. If Defendant(s) have received a discharge of
personal liability in a bankruptcy proceeding, this action is in no way an attempt to re- establish
such liability.
062 -PA -V3
WHEREFORE, Plaintiff demands an in rem judgment in mortgage foreclosure for the
amount due of $111,431.58, with interest thereon plus additional costs (including additional
escrow advances), additional attorneys' fees and costs and for foreclosure and sale of the
mortgaged premises.
By:
Date: Melissa J. Cantwell, Esq., Id. No.308912
Attorney for Plaintiff
062 -PA -V3
Exhibit "A"
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�B p�`�
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if
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f _ 1 ., 0 .c s •z .se d s� sa
If Iced,, hra mgd�me peymcm in full. as desafhW above. Lender mwgfe Borrower m 0" 0" and
exposes i"kding reamramPo and c.00mq momge fen for Mrotcin, this Not m ore exsm not pmkbited by appboMc I w
Such fan ad mw sfwl beer inleresl Born the date of disburseman w th s rat m ox pdndpd of this Nom
7. WAR'ERS
Borroaer W arty adcr penan vrho has ebligatioru undo this Not waive tic rights of proenmiMt and node of dishoror.
'fhnmarea• pwaro Its det m regdre the Itrrda m dame-- PWMCM of a--mb due 'Notice of dislonor' mesa th right m
regmm Lads m give --riot m ohr pneoro del snanmts due hve M bee paid.
L GMNGOFN071cu
Udw ep{dicsde law requires a diffMmt method, ary mow dw most be S i m to Borrows under this Note will be glum
by delivering it a by mnling it by rim class mnl io Borrows d the pmpcny addmn abase W a a difrmM add— if Borrmnr Im
given Lads a Mim ofBormwers difi —m dd—
Ary tndm tlw r be Oven m Lender under ihis Note will be,ivm by Bm class mail m l.oda m the adores stated in
PmSmph 1(B) a o • diff —ls edmess If Barrovva b Shen a no i=oftht dllf r adores.
f. OBLGAMM OF PERSONS UNDER THIS MOTE
If more thm M Persm Mgm Bm Nee, each person is fully and pernaeBy obligm kee
d m keep all promises made of Me promi made in Nu
NM.- includ'mg de Promise m pay 12- full appum owed My p — who h • p.. mr Racy or e.d.— of Mu Not is abo
oblip'd to do Mar Ming. Any person who W 0= Mar obilWan , including am oblipdons of a V—flm, storey m cndors,,
of this Noe. Is abo oblipud to keep a8 of th pomiso made In ibis Nam Lender may mfome fn righn tnda this Hale *d=
each persm hdiAdtwy m agsian all sigrworhs tgdhcr. Any ore pamn irgdrg &is Noe may h mq&W m pq ail of ore
•manes owed utda Mir Nom
BY 510NINO BELOW, Borrower ac"PUaW ripenmtheImn acwmmb e=Wmdn Wa Now
ISmU l �A � l ISnll
ICE R. Z Borrower CHR16TRf 4 uR 0 ZYCM •Bortowet
(Smil (Swll
- Baso.a .Bmmwa
Igmd,cadaon Wells Fargo Bank, N.A.
Widam c
AO(�45 A77`JAL OAO6
By. \ V 1
Name wd Title: 0 J. Fl �" ■ \l�
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Exhibit "B"
LEGAL DESCRIPTION
ALL THAT CERTAIN tract or parcel of land situate in Lower Allen township, Cumberland
county, Pennsylvania, more particularly bounded and described as follows, to wit:
BEGINNING at a point on the easterly line of Bellmore road, which point is 186.93 feet north of
the northeasterly corner of Hartzdale drive and Bellmore road and at the dividing line between
lot nos. 14 and 15, block `B" on the hereinafter mentioned plan of lots; thence along the easterly
line of Bellmore road, north 42 degrees 20 minutes west, 75.00 feet to a point on the dividing
line between lot nos. 15 and 16, block "11" on said plan; thence along said dividing line, north 47
degrees 40 minutes east, 125.00 feet to a point on the westerly line of lot no. 10, block `B" on
said plan; thence along the westerly line of lot nos. 10 and 11, block "B" on said plan, south 42
degrees 20 minutes east, 75.00 feet to a point at the dividing line between lot nos. 14 and 15,
block "B" aforesaid; thence along same, south 47 degrees 40 minutes west, 125.00 feet to a
point, the place of beginning.
BEING lot no. 15, block `B" on the plan of Country and Town Homes, Inc., which plan is
recorded in the office of the recorder of deeds in and for Cumberland county, Pennsylvania.
FOR informational purposes only: the APN is shown by the county assessor as 13 -25- 0020 -010;
source of title is book 251, page 3921 (recorded 05/21/02)
PROPERTY ADDRESS: 16 BELLMORE ROAD, CAMP HILL, PA 17011 -7901
PARCEL #13 -25. 0020 -010.
File #: 820573
VERIFICATION
Jasmin McLean, hereby states that he he 's Vice President Loan Documentation of
WELLS FARGO BANK, N.A., plaintiff in this matter, that he he is authorized to make this
Verification,, and verify that the statements made in the foregoing Civil Action in Mortgage
Foreclosure are true and correct to the best of his er information and belief. The
undersigned understands that this statement is madde subject to the penalties of 18 Pa. C.S.
Sec. 4904 relating to unsworn falsification to authorities.
Name: Jasmin McLean
Title: Vice President Loan Documentation
Company: Wells Fargo Bank, N.A.
Date: 07/24/2013
086 -PA -V2 File # 820573
FORM 1
IN THE COURT OF COMMON PLEAS
WELLS FARGO BANK, N.A. OF CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff(s)
CHRISTIN L. ZYGMUNT
KEVIN R. ZYGMUNT Cn
Defendant(s) )� A/ � & �Civil
NOTICE OF RESIDENTIAL MORTGAGE FORECLflU,E t
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 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
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
arguments 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:
AUG 01 2013
Date Melissa J. Cantwell, Esq., Id. No.308912
Attorney for Plaintiff
r 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 counseling agency. Please provide the following information to
the best of your knowledge:
CUSTOM . .
Borrower name(s):
Property Address:
City: State: Zip:
Is the property for sale? Yes ❑ No ❑ Listing date: Price: $
Realtor Name: Realtor Phone:
Borrower Occupied? Yes ❑ No ❑
Mailing Address (if different):
City: State: Zip:
Phone Numbers: Home: Office:
Cell: Other:
Email:
# of people in household: How long?
CO-BORROWER
Mailing Address:
City: State: Zip:
Phone Numbers: Home: Office:
Cell: Other:
Email:
# of people in household: How long?
FINANCIAL INFORMATION
First Mortgage Lender:
Type of Loan:
Loan Number: Date You Closed Your Loan:
Second Mortgage Lender:
Type of Loan:
Loan Number:
Total Mortgage Payments Amount: $ Included Taxes & Insurance:
Date of Last Payment:
Primary Reason for Default:
Is the loan in Bankruptcy? Yes ❑ No ❑
If yes, provide names, location of court, case number & attorney:
Assets Amount Owed Value:
Home: $ $
Other Real Estate: $ $
Retirement Funds: $ $
Investments: $ $
Checking: $ $
Savings: $ $
Other: $ $
Automobile #1: Model: Year:
Amount owed: Value:
Automobile #2 : Model: Year:
Amount owed: Value:
Other transportation (automobiles, boats, motorcycles Model:
Year: Amount owed: Value
Monthly Income
Name of Employers:
1. Monthly Gross Monthly Net
2. Monthly Gross Monthly Net
3. Monthly Gross Monthly Net
Additional Income Description (not wages):
1. monthly amount:
2. monthly amount:
Borrower Pay Days: Co- Borrower Pay Days:
Monthly Expenses: (Please only include expenses you are currently paying)
EXPENSE AMOUNT EXPENSE AMOUNT .
Mortgage Food
2 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 ort/Alim. Spending Mone
Da /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:
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 known, regarding your lender and lender's loan servicing
company:
Lender's Contact (Name): Phone:
Servicing Company (Name):
Contact: Phone:
AUTHORIZATION
UWe, , authorize the above named
to use /refer this information to my lender /servicer for the sole purpose of evaluating my
financial situation for possible mortgage options. UWe understand that Uwe am /are under no obligation to
use the counseling 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:
1. Proof of income
2. Past 2 bank statements
3. Proof of any expected income for the last 45 days
4. Copy of a current utility bill
5. Letter explaining reason for delinquency and any supporting documentation (hardship
letter)
6. Listing agreement (if property is currently on the market)
NOTICE
You have been sued in Court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this Complaint and Notice
are served by entering a written appearance personally or by attorney and filing in writing with
the Court your defenses or objections to the claims set forth against you. You are warned that if
you fail to do so, the case may proceed without you, and a judgment may be entered against you
by the Court without further notice for any money claimed in the Complaint or for any other
claim or relief requested by the plaintiff. You may lose money or property or other rights
important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW.
THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
CUMBERLAND COUNTY ATTORNEY
REFERRAL
CUMBERLAND COUNTY BAR ASSOCIATION
CUMBERLAND COUNTY COURTHOUSE
2 LIBERTY AVENUE
CARLISLE, PA 17013
(717) 249 -3166
(800) 990 -9108
File #: 820573
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny RAnderson
Sheriff - 4 h"F F_0 H 0 i•;� 1.} ;4'. "
Body S Smith X013 AUG 15 PH - LO.
Chief Deputy
Richard W Stewart 3E0 t; W°.i Y
Solicitor C_:F1 U CrT" RFRIF PEMSYLVANIA
Wells Fargo Bank, N.A. Case Number
V&
Christin Lynn Zygmunt(et al.) 2013-4564
SHERIFF'S RETURN OF SERVICE
08/12/2013 07:02 PM- Deputy Amanda Cobaugh, 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: Kevin
R Zygmunt at 16 Bellmore Rd, Lower Allen, Camp Hill, PA 17011. i
y
AMANDA COBAUGH, DEPU
08/12/2013 07:02 PM- Deputy Amanda Cobaugh, 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:
Christin Lynn Zygmunt at 16 Bellmore Road, Lower Allen, Camp Hill, PA 17011.
WANDA COBAUGH, D TY
SHERIFF COST: $60.95 SO ANSWERS,
August 13, 2013 RONNY R ANDERSON, SHERIFF
{c}CountpSuife Sheri((,TeI=_osoit,inc,
iC r"'rij.�rltEr r„ t'
CUMBERLAND Caw y
PENNSYLVANIA
PHELAN HALLINAN, LLP
Joseph P. Schalk, Esq., Id. No. 91656 Attorney for Plaintiff
126 Locust Street
Harrisburg, PA 17101
215-563-7000
WELLS FARGO BANK, N.A.
3476 STATEVIEW BOULEVARD Court of Common Pleas
FORT MILL, SC 29715
Civil Division
Plaintiff
v. No. 13-4564-CIVIL
CHRISTIN L. ZYGMUNT Cumberland County
16 BELLMORE ROAD
CAMP HILL, PA 17011-7901
KEVIN R. ZYGMUNT
16 BELLMORE ROAD
CAMP HILL, PA 17011-7901
Defendants
MOTION TO LIFT CONCILIATION STAY
Plaintiff, Wells Fargo Bank, N.A. (hereinafter "Plaintiff'), by its attorney, Joseph P.
Schalk, Esquire, hereby files the within Motion to Lift Conciliation Stay and in support thereof
avers as follows:
1. On August 5, 2013, Plaintiff filed a Complaint in Mortgage Foreclosure against
Defendants for their failure to make monthly payments of principal and interest upon their
mortgage due December 1, 2012, and each month thereafter. A true and correct copy of the
Complaint is attached hereto, made part hereof and marked as Exhibit "A".
2. On August 12, 2013, Plaintiff completed service of the Complaint in Mortgage
Foreclosure along with the Cumberland County Residential Mortgage Foreclosure Diversion
820573
Program Notice upon the Defendants. A true and correct copy of the Sheriff's Return of Service
is attached hereto, made part hereof and marked as Exhibit"B".
3. Pursuant to the Cumberland County Administrative Order February 28, 2012,
which created the Cumberland County Residential Mortgage Foreclosure Diversion Program, the
Foreclosure action is stayed for sixty (60) days from the date of service.
4. Within 60 days after service of the complaint, the Defendant may opt into the
program by filing a Request for Conciliation Conference with the Court. Upon the filing of the
request, the Court will schedule a Conciliation Conference. The program provides that
Defendant must contact MidPenn Legal Services within the first twenty (20) days of receipt of
notice if not represented by counsel.
5. If more than sixty (60) days has elapsed since the service of Notice of Residential
Mortgage Foreclosure Diversion Program and the Defendant has not opted to participate in the
Diversion Program Plaintiff may petition the Court to lift the stay and remove the case from the
Diversion Program.
6. Defendants failed to opt into the Cumberland County Residential Mortgage
Foreclosure Diversion Program within sixty (60) days of service.
7. Since Defendants have opted not to participate in the Diversion Program, it is
appropriate for the stay to be lifted.
WHEREFORE, Plaintiff respectfully requests that this matter be removed from the
Cumberland County Residential Mortgage Foreclosure Diversion Program and the automatic
stay be lifted.
Respectfully submitted,
PHELAN HALLINAN, LLP
Date: f(pit� BY: . , ,�wa
Jos 'h Schalk, Esquire
y uire q
At •rney for Plaintiff
820573
• •
Exhibit "A"
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PHELAN HALLINAN,LLP ATTORNEY FOR PLAINTIFF
Melissa J. Cantwell,Esq., Id.No.308912
1617 JFK Boulevard, Suite 1400
One Penn Center-Plaza
Philadelphia,PA 19103
Melissa.Cantwell®phelanhallinan.com
215-563-7000
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,PENNSYLVANIA
WELLS FARGO BANK,N.A.
3476 STATEVIEW BOULEVARD CIVIL DIVISION
FORT MILL, SC 29715
Plaintiff, e
g. 9_ 41/
40
NO.: )
vs.
CHRISTIN L. ZYGMUNT
16 BELLMORE ROAD
CAMP HILL, PA 17011-7901
KEVIN R. ZYGMUNT
16 BELLMORE ROAD
CAMP HILL, PA 17011-7901
Defendants.
CIVIL ACTION— COMPLAINT IN MORTGAGE FORECLOSURE
And now comes WELLS FARGO BANK,N.A., by its attorneys, Phelan Hallinan, LLP
and files this Complaint in Mortgage Foreclosure as follows:
tAl utiNEY FILE We hereby certify the
PLEASE CI•
wIth n to be a true
correct copy of the
062-PA-V3 or/g 11/M re fecoro
st .
[N Tf{E cot'•R 1 011'CI i\4 viON PLEAS
I)) ('t)h4Btlti,ANI)t,Ot]NIY, P1?NNSVI Vt%NiA
l(.l'\'I"' ifi ' ChIt
t)elendanl(si
NOTICE OF RESIDENTIAL MOR.TGAGk. FORECLOSURE
DIVERSION PROGRAM
You have been served with a foreclosure cotrtpi<Gint that could cause you to lose your home.
If you own and live in the residential inuperty which is the subject of Ibis foreclosure action,you nary he able to
participate in a court-supervised conciliation conference in an effort to resolve this hatter with your Jontlet.
If you do not have tt lawyer,you must take the I llossiog*steps to be eligible for e conciliation conference
First,within twenty(20)days of your receipt of this notice '=t:iaa t, n t £1nnataCt Midfean Legal . ti__;;,;r_ at (7(7)2,,).1 t`l)0
extension 2510 Or(li00) 822-52118 extension 2510 and request ;tii, t.al tirirut of a legal represeniroO-c charge io
011(r gut lt,,.c, t:"., „#t lr t1;, Htte 1 Irga i"r ''eiits.l3 °£:, :%5 ra Faii,r raampihi meet with that legal 10)1 r ii_.l''vs iYtll}in
t _tsaW (?tlia€t r, that to k tit trTrest ili,tnv'c' watt :-ill
aid so min it i ,..it �r3rsa t i f k l>,t ,al eau r:. ra‘rptarot on your be al' Icy you (aid you! l,.gai
rsaidpfito , to .'oA,BE,.t , t,, Cs;,r4g... ., i,., t i tit, ,f,w '.t repreficnt:uttsc a!ep:t1C{loo i)
t x;( t r it, ?i ;1) Or, ..fit',� i}€k itl'ti52 he tiled with the Court wittlin SiXO (00 tin`s crow
:aro s;cO 1, <_ les ..stti9 1;,;t, l) you. l' --£T and a conciliation conference is 5Cltmtdlited,' mi will have an
in l=tt°i+Slit2'. ,rr.'f ..i ,a2,t ,�( �sf4, -, ,f� ,. ,a, _^. it_�:,Iz"S 7 ,;-,t1 attelmlpt to work out reasonable arramgetrimomis wail your
If you are represented by a lawyer,1'ini and your lawyer must take the following steps to hi'eligible for a
conciliation ct'inference. It is not necessary for you to contact N1idPrtne I gal Se.,. t fiir rltc>ipiutintti 'r.i . .. .r:,ii
repicsentria =10 L 0 greP ;t , + £cal a , �I,,all rci tucsied to anc,ial itifei'nuiion so tl t., ;, ii,it. I ti;olt_l:,_�;
irt.sl�..EO t'�Sti 'mm' £tit krona. I .t ar.a( 1,_salt mid yo: .. yer complete mi financial worksheet its the loriiias a lf.t:)?it�,l
I e te'q:i sow file a Rewires(I I Yt r't:a,r>ilruflon Conference with the Court,which trust he hied
citls#St-,i t =.Ft'±€1.a",° ttt tt ,. "P'S3 r. ill R,:?it you of Mk'Ziaselosure complaint, lr'you do so amid a conciliation conference is
seis.cdolird soin 1 t-1 have *ni°'t sl"sr I a€ills`=a .5, iii.,tepiestrinative off your letkle. U'. tin%attctttht.it :wort:riot. reasoiiabie
asicuisanii.. oral( `: i £r ,t?r tl,, beirirc'.liS"'r't E t£'t4t l tEt;+tsi suit proceeds forward.
IF YOU WISH TO SAVE V't)UR HOME, YOU MUST ACT QUIC"ti1,Y ANI)TAKE THE STEPS
REQt`ti3_FI BY '111IS NOTICE. TIUIS PROGRAM IS FREE.
Respectfully submitted:
\ie is .i aa s Ili f?i ,t No s:p
Attorney ler
ntu1 \b Fu
ud
( thl,i)er!ol)d
i.er)(!er
(;)
the best 1,)f
CilS'Ut)N11-:12/1'1,11fSIAIZI'
„, „ th
1 ittJete
irr
Cell'
long'
l)NN.
. . .
1Fir:k; (.4 tice
ti
1;1 1{,),,,./ 1(11114?
FINANCIAS,INFE)14141ATI4`)N
1„i,",17,1
Nit:1111er '1:-)sc(1 I,Jor I :,,t11:
,) (1:
1„ ):=,r) utt
Is dt. iumidusuix- !
Assets t!Ns:eh
Other Real EAete: Ift
Retirement Funds:
Investrnerds: $
Checking:
Savings:
Other
Model: Year:
,:\nicitua owed:
Autpmobite Model: Y eat
Amount owed Value!
Ottier_tyanppr4Itio1 J.>oass, rm.dorcycie.e): Moduli
Year Amount owed: Value
Monthly Income
Name of Employers:
Monthly Uross Monitilv Not
„„.
tt, Month iy Ordss
Monthly Net
Monthly(/ross klotutily Net
Additional Inconit' I) d,>eription ittot waue,$):
u ntl b amount: _
2. ant at
Borrower Fay Days. CusBotiower lay Days:
iont4ly tir,t,t.iiisesi (Please only stair expenses you are currently paying)
EXPENSE. ! AN/ourr AMOUNT
IVIortgage I Food
Morttutge I Utilities
Tr hhixittenitsd chindo/Nciplh Fees
Auto Insurance Med. (not coveted)
Auto fuel/repairs ! i Other prop. pat neat
htsta 1. Loan Payment Clable TV
Child SuppuruA ,ipeutittux
ltd ( arc rust
Antstudo divtiiiiihs for hl Prdce].:. a ne:
kLh a ;
if!ids: ptease ru,vitte the (dlowini: oddrheod.,,
ansehig
Phee.:e :itlft'i'sd;
•
1 a\''e you made application for Homeowners Emergency Niorti..iage Assistance Program alrlIvIAP)
assistance?
177
If yes, please indicate the status of Ole application:
Have you aed 'eaey anon,. iarditr
Yes Li No f'11
pdaoe indicate ti.e •.d...anls ol tay.da....,
l'ieusc pro,ide The S,flowing intorraanon. ilknowe. cnoldity,y •or lender ono lender's loan wAng
cam•npany:
lender's ciaitaet (Naine): Phone.
Servicing Company(Name):
c,iitsct Phoric
,itozAt
.
I. , authorize the abCAU named
to use/refer this information to my leritlerisefvieei lot the sole purpose of ovalUaling im
11;131131 'kn., for possible mortgage options. I/We,understand that I/we am/are under no obligation to
tcm :he emms,.. ing 55 ' s: prosnO,d Icc too above nai.ti,ef
Bo•dower Signalurc )the
•Codorroaver
Pito o 0004 ii 4 in 'I eumm :i I trig InCionrdttind It lender and
I Proof V W.COgnt.'
Past 2 1).Ank
Vroof iI any expe-ctl inctAt,V list list Inst 45 doys
4. ( npY of a ,urrunt ii lit t )111
1,c•rcr expinining radoalo Is oft*: ,••0111.! 0 drann-d.ynon • •:.fo
•,yckn
NO.CICY
'y'ou have been sued in Colirt. If you wish to defend againsi the claims set tilT1 tilt'
ft)Itowing pag:-2s, you mast like action within tvventy t20) days after thk,.iCiariplaint and 'Notice
are served b) entering a written appearanc,c personally or by attorney ifld riling in writing \vitli
the Court your defenses or objections to the claims set Coral against you. You are warned that if
,you rail to do so, the ease may proceed without YOU, and a judgment may he entered against you
by the Giurt without further notice for any money claimed iri the Comphiint or for tiny
Jill or relief requested he the plaintiff: You intly lose ran oi property oi‘ other rti)t.,
iloport,u1( (o you,
uI Si D TAKE I HIS l'APLX '11„) YOUR I i‘AVY1'1.< A ONCT. IF YOC
N(fl' HAVE. A I-AWYER, GO '1'0 OR TFIT:PlIONE THE 0141(.1Th: SFr FOR'FH
Ii IHi OFFICk CAN PIWVIDE YOU \V11'H INFORMATION ABOUT HIRING A I.„.AWYER,
ft Y011 CANNOT AFT()RD TO HIIZ I.,: A I....AWYFa, TITIS OH CF MAY BE ABLE
-ho PROVIDE you WI l'H INR)RNIATION ABOT:"I il\CIT.NCIE,S THAT VIAY ()HIT
1,LCIA) SF:RVICFS; TO EI,16.1BIL PERsoNs ['LI', OR co
(1)1413TRI:AND COUN I'Y A TI ORNP.Y
REFERRAL
CH1I3F.R.1 AND COI;NT), B,\R Associ,vrioN
CUN1BLI:(AND COUNTy Couvl
2 113F.R I Y ANYLINUN
', , j A 7013
The Plaintiff hi Witt.I.S FRG ) BANK, N.A„ 3476 s i A
1301,II:EA/ARE), FOR! 5111 1 , SC 29715 (hereinafter "plaint
the Derendants, 1„„ KEVIN R. 2'.,Y(iMIlN are
individuals ‘vlitotie lain known address art 16 BFI 15 ROAD, Cz\NIP Fill l„ PA I 701i
7901,
3, WE..I.1,S FARO° BANK, N.A, directly ci throuph an agent, hat; poses tiion
the Promissory Note. WELLS 5A1(i0 BANK., N.A. hi eithci the ori‘tinal payee of the
Promissory '.,‘tole, or the Pharnissorty Note no been dolt innoradd Ude and cati.reei no' claid
Promissory Nice rharkt,d Exhibit V, atlid ha d here anti made a part ncreoi.
On or tirboui (11)c1ober 23. 2006 CHRIS111\-, L. /AGMUN I and HINT k
YGNILlil`:fl made, executed and delivered to IVIORT(iyAcilt: El EC I R( ( kit uS HA[P )\
SY-STEN/IS, IN(' AS NOMINEE FOP ACCESS NATIONAL Nit()RICIAGE a Mortgatie in the
original prhidipal amount ni i I 49,4S8,0(1 011 the premises described in the legal detsicription
marked Exhibit "B", attached hereto and made a part hereof', Said Mortgage being recorded in rite
Office I P the Recorder of ClUNMEI.Z.1„,A,N1-„) County in Book 1973, Page 2143. .liRi. Ntort,..tritt„e
maher ci aubbe record and is incorporated herein by reference in iletiohithice nO Pa.Hi'
I 0 i if), nih.h ruin rolica:es the Plaintiff fuith a obliwition doclina:;m10 Tdoadiir,„2:,
ruNiclueord.
c.urro Mortg,.,42!ec. ,i1 '' tried
Sep:camel' IN, 1 , the mortgage in assined, to Win I S FARGO NANN„, N \Aihich
recoided in the Office the Scent der of CI IMBERLAND in n ttiiitrurncint
No. 201125766. the A:3aigturicuf k a matter ot public record and is inettrporaidd hereia hi
reterence ii tccordance a tb Pa,P.C„P, 1019(0, which lolh Illaiht0 kern
oblig,ition to aftidi ICit0lcfll i pleadintf, il thoST, checulanit arc (it public
'URN FIN I., 7.\''(.INJUNA and KEVIN H. YYGNIUNT are record wad ruN
owners i•=t the ditiaahiaid Tnorteticed oreiniscs,
Deletidants are in default under the terrris of the aforesiiid ivlor4tatitat Eir, inter dila,
nay Toon(lily installm:nits of principal and interest du. i)ccclyber 2912,
As at' 072312013, the amount due mid owing Plaintiff ‘)11 the mortuage U;
follows:
Prniuipal Balanco 14106,154:70
In(erest 5,015,89
11/01:2012 through 07/212011
Late Charges 1 ,038.55
Fcroo Deficit :344984
Suspense Balance $ (1122,40)
TOTAL .S111,431.58
phis interet and all other additional arriourtu ialthorized under the Mortgage and Pen: anal
actuully mc reasonabl: incurred by imluding lruo. not limited to, costs on LolinO
,..!.surw advan:.;a:0 au.d 014 notis torneys' tc.:a and uxpotuw; rasyi\ lie Olo
';.,olion in Wu L QaptioHe6 lotion to ,tdd such addit.i;ml sums aathori',..,ediindu: th:!.
Moontoo Ivan', Lav n the ,iboue amount doe and win 'a '.iterrv,1
4. Notice :).t: intention to FoteClose as set forth in ,%et 6 at 1974, Notic.c at
Ilonieowner'sl‘nlergency Mortgage Assistance Program pursuant to Act 91 of 19g;.;. as amended
in 20f.)8., andier Notice of Derault as required Us the mortgage document as applicable, have
been sa.,11( 11.1u1)etendant(s).
1(). !Thus 'detion (Ides not conic under .Ats..1 9; of 1983 beuxise
t is ts ,o1 tO iLti )u only ttgoinst !no :tiOre,dritt morqdnted premise,. Plnnottitr
is tit..rt scchintt judetnedt at personal Lubi1i is 42ainst the Dedinidann(s), bat lt..: ervos it Ilt.;In
do so to a set)drate legal action it'such €0`it eXiSt. , Ti Dct:encianio) have lucelved a disehaiLle Of
OefSOnal a hnnkroptcy proceeding, this action is in no via y an attempt to re-establish
•;i1c11 hal,i1Py
kr:r()}zr, 1 .iJi doma,,d, nn iudi.unL.1•0 fl morn2.:ye fovc:a.aoluv na-
mount due ut I 1 4 3 I 5 8. nneru:d therc'oe pu addithnii.d cow: ondnlown
asainional Zil(CrOeyS' .1.Ct.!' and lOr (ii
Niclisa (.'unt ft4.,
Attorney Mt P.nlintiff
Exhibit q
4-;
�_ .�..
;113 4111 f.3 433. 4,11411 Td J*1 � e
1XI'M.
(
.a 3,10.sjr3W%&WnR:4A34°lOIL,A ItiM I, =KKR ,'.,_
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0. M l9000t1l'S 9RDM81611)Pb!,1 466006
in
14041",(4v 4.71.44.4 from LtrA,.311104*p4.ur0M3 u,+Y 114,i..*MJ 1w v(
Us!µ;40r411 Panty.knee TY...ad 0.w Its.I1N F7/fy 44.9401 And 46110
(4114;Al&1 179,4SL1)111,/nun,110th In 41..003 01 Lerida i.rrtal stilt 6..11 .d,.um*.,m:x•pel cop,04,rant 0.r
.sinwne..n of.k Ia.predene M 1.1**.ir+,is tax rota of Sm:sE Lp.it_N*wow.1..940,1 on 1®, 11411,4 w0.k,rs ur
Y. 1'41141186'nc)Pb V 011;,1.11
innynnwain i4n0nv.,:r pry i.1.4.0,4 119 3 rnI.A4f,.x34 of.:n cr WI X111 91114■lurcLns.NY a 1.09 II'x tans«
11014 110.1N 411,4 Y,, u-+ry 11W`.,[v10,� `l.t.'.0.,4, 1441,rrd,,r
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4. MA.Oap.R 01'6444,901
A) 0144
t.*r4...44444xtev n[pi;rcq.w mU,e.1;949 rY*a1ax..1!411?4 i'rrri..4 0lde,e>•4.1
1064.+1,.14419.;961.c;w.rea.monon.17049I,k 11.4:.0*.vty.,ru feu 3411..i:l 144«•414410.,...',.*4:.101917 r4,`1Mw.>
9441 VI..
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3int:V0A 4a R/:4n'tA It1191 a u 14919.;491 u 1194161:t.7 44.4911 In...IM1 ts,rou:4
((4
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1304 awn ily plirt..404 rw*JRN b}If.19344;7 403410991 0.1 11.11 a 41.409 u 1.1141,4rae.1111 w4,.0494 i4 434 4 Ja.'
06X'401*in nee:Rx.i(y 3,4437.1
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it.s.14019.prat{d.a ion plm.x4.eknone V.is 01.14144 00(4.414.04 1.11,v.94 934 1.as,144.14
,!b191 ti li b4 9..1'.3„341 ty..1.141.AVM an!4 40,,.4 4.cwrtrtI1.+T Vw Nc.as.1 U4 of I4.4.+...aepu4 of*4.
Arp4(C'hx.0v41i4W,Y bon)
I (14409 Pii..m AIMa. (I 1.,4010,4:441140111.90 ?1 00.u1■1..*1.l
.`4. 119I030W33`d WIC('71)63394
n..9.1».to rl wa 3.1114 cr it,.bS.111 R.39111.1
..161 114!1114+10 I'e11+YU'00 04 L'0.4040x.1 y3.14,1 fo•rK
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rnqursm,410.4 109 b lN:4.,,34um rt.d,.9419++,4#tv lrcsrw..f 4s!+.9141 149;991;940901 Lenin',warn In.n14.µ{'
1.41,tt1s1„.*
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4f wn.11
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n( re.pnra 0 .Yt0l.Tan4 In 044.4193lernnl.l14009.r 939,9 44..14.1 1)1.4
191'1)4 41 414[01 0424419000014400,401 aOre 91004413ry,,in..9N,d Ina 1411.144
r<141114.,.n.+..0.1+14 N,4ran4.v ,1 40,4)(.,4.,,.14.x.1n)ire un.:9.1x4r 1144..In 9481 w
1$.1044 Js4.,A'.449,W>oelnata.slur;on 1mn.94 4,10111+>e1111iza }..4104 M(P.ia N•On
Va*0cv:p'1911 D.4.rvvey 0(tlwl.7.44 tcNw.1Ie.*M9.rrvt 4e 414 no 4119 3.Jprrr.
I C, 94 Y,*4!1 11(4,4 414 3.µw04
- - -
1,3 14.48r,Kai 3333313310334136 1111153 3:3 4*31 .43.07 1a14 1348.3,111.311 11,,j et#4*8 egftz. 7481
48*4E4S 34833413,3...Qr. volgorary 813788*43.r.13 131 343.I.55 Ina 441041 39348333.34 .443,11*
533ch lows rad ems 33 gail bre 1.0.14411 44.3 33,e au a 3.33aaavvvotvla t. tdrse g33,3r3.3 08v 1408
1, 13VA iVageS
tkov3393038454 4 33 cv)..vsor3 who Ne.,3 631334,333.3s1.313331 47433 Mo. *45*4(4 prieterpttxtrA had 330888,Ct Vishvr.
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IL VI mint;CI.HarICE.1
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Parsa.Avph 438,)3,. I4 ave3,33•,3,1, -3,3,33333,3317x3vra.43.,•33
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40331. 43333 34.v.v.v, eivy v98 it 4%3.34,13i1ro,x4919*4 431,480883 £0.99 231.8 ia v3,33
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84,53480*3e w v,33,33$9aV 93 ,.3,,,‘,39-4415 34* .4.3 33141x44 13 341, 3133,113.19 333.3,
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3
a31134 ,;41.,‘,';
Mg041,I7”NOW44,44U4A+0*.n.
254 " ' Wells Fargo Bank,NA.
• •
Exhibit
LIIG,'k.1. 1f1P1S( 11aP FION
ALL FlIAT CIRTAIN tract or parcel of land situate in I ovcr Allen township, Cumberland
L'QUrUV, Pennsylvania, more particularly hounded ',mil described as folluivs, tir) wit.
BliC;INN:INC:1 at a point on the easterly line of Bellmore teal, which pint is 186..93 Let north of
the. tan the:v.:re:4 corner of Hartt.dale drive and Bellmore road and at the dividing line helwcon
lot nos. 14 and 15, block -13" on the hereinafter mentioned plan of lotst thence along the easterly
line of Bellmore road, north 42 degrees 20 minutes wet. 75.00 tee: In a point on he dividing
ira hetween lot not:i, IS taid If, hlock on at:(1 plait; thence along said dtinding ilL north 47
degrees .10 ;:ASI, 125.00 feet to a pout; on the westerly or 01 101. It() 10, hklek On
said plan, thetyx along the iiies.terly line ol 1.10S. :ifid bin I. 0 (111 said plan. south
(Icrecs 20 minutes east, 75".00 feet, to a point at the divitlin'L.! betiveen lot no,i .14 arid 15,
lc,ck "B",itoretuid; thence along same, south degrees 40 minutes reCi, 125 00 Ittet to a
point, the place of beginning.
BEING lot nit. 15, block ''B" on the plan of Country and Town !lollies, Inc.: which plan is
retarded In the office ol the recorder of deeds in and for 01mb:trial-id county. Pcnuts\ivanni
l'Ok into,trial:tonal purpose only: the APN 1s shown by the courn:,,, assessor as J 25-0020 MU;
" attic ti tile is hook 251, page1'.z92r (recorded 05/21/02)
PROPIttIR1 0111iRESS. 1.“Thi NIORL 1“.),A1;), (".A.NIP11.11 1„ PA. -17011:1;901
PA k U 25-0020-0 Iii
. ,
„ —
,lasmiti NicLeil,n, herchy slaws dial i citsnt,,n17. v ire In--,:,,soent Loan J) Li tili1OH Oi
Wil LS l'ARti0 BANK, N,A,, plc-dr:tiff in this mattei, that ins-ten, athhoriv.L.,:,1 to make 1,11k
...../
Val fication, and verify that the statements made in the tUregoing Civil :Action O V I U.,vgage,
0
Foreelosute are true and carreet to the best of Inv.!' infinrmation and belief `111e.
hest . .,,,,,
undersigned understands that this statement is made subject to the penalties of 18 l'a, C.S,
Sec, -.4001 relating, to nru-nvorn falsification to authorities.
1.--'
r\fftnic: ,l!,:rnin Mel ean
Title: Vice PresideM Loan Doetunentation
( mpany. Wens: Fargo Bank, .N,,,\
1)atc: 07/24/20.13
Exhibit "B"
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
„,00 tit Gentility 44e
Jody S$h nth
Chief Deputy
Richard W Stewart
Solicitor C r C�C C- °rHE SHERWP
Wells Fargo Bank,NA Case Number
vs. .
Christin Lynn Zygmunt(et al,) 2013-4564
SHERIFF'S RETURN OF SERVICE
.0.4/12/201.3 07:02"PM-Deputy.Amende Cobaugh, 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: Kevin
R Zygmunt at 16 Bellmore Rd,tower Allen,Camp Hill,PA 17011.
ki(dicia t kLi
AMANDA COOAUCH,.DEPU t
QB/12f2O13 07=02-P[vt-•DeprutyAtnartae Cobaugh,being duly swomaaccording 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 bo the Defendant, to wit:
Christin Lynn Zygtmuntat:10 Bellmore Read, Lower Alien, Cdrnp HIH,PA 17011.
A NDA C BA.UGH,DE�TY
SHERIFF COST $60.95' SO ANSWERS,
utttrst°1`3,-2 014 , . RONNY R ANDERSON,SHERIFF
r-E- ,ntySu;AO Snlnti,'i:C:,;�a
...... :. . :�'.e�"'x�' `��„ �:,� ry 1\, a» �sw �r� - a'�m
PHELAN HALLINAN, LLP
Joseph P. Schalk, Esq., Id. No. 91656 Attorney for Plaintiff
126 Locust Street
Harrisburg, PA 17101
215-563-7000
WELLS FARGO BANK, N.A.
3476 STATEVIEW BOULEVARD Court of Common Pleas
FORT MILL, SC 29715
Civil Division
Plaintiff
v. No. 13-4564-CIVIL
CHRISTIN L. ZYGMUNT Cumberland County
16 BELLMORE ROAD
CAMP HILL, PA 17011-7901
KEVIN R. ZYGMUNT
16 BELLMORE ROAD
CAMP HILL, PA 17011-7901
Defendants
CERTIFICATION OF SERVICE
I certify that a true and correct copy of Plaintiff's Motion to Lift Conciliation Stay and
proposed Order were sent via first class mail to the person listed below on the date indicated:
CHRISTIN L. ZYGMUNT
KEVIN R. ZYGMUNT
16 BELLMORE ROAD
CAMP HILL, PA 17011-7901
Date: (L I ,".-
/
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I� By: ose.h P Schalk, Esquire
Atto ey for Plaintiff
820573
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY,PENNSYLVANIA
WELLS FARGO BANK, N.A.
3476 STATEVIEW BOULEVARD Court of Common Pleas
FORT MILL, SC 29715
Civil Division
Plaintiff
v. No. 13-4564-CIVIL
CHRISTIN L. ZYGMUNT Cumberland County
16 BELLMORE ROAD
CAMP HILL,PA 17011-7901
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cry Cr) mc
KEVIN R. ZYGMUNT =0-1 a
16 BELLMORE ROAD
CAMP HILL, PA 17011-7901 r--.�.
Defendants
ORDER
AND NOW, this &P. day of I44,bo" , 2013, upon consideration of
Plaintiff's Motion to Lift Conciliation Stay in the above captioned matter, it is hereby
ORDERED and DECREED that this matter is removed from the Cumberland County
Residential Mortgage Foreclosure Diversion Program; it is further
ORDERED and DECREED that the automatic Stay is lifted and Plaintiff may proceed
with its Mortgage Foreclosure Action.
BY TH COURT: /
I
J.
c c : 5istin L. Zygmunt
., IS.pein R. Zygmunt
"'Joseph P. Schalk, Esq., Id. No. 91656
Attorney for Plaintiff Lscc..„
'ES 820573 ` l
/1713 — �Z�