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HomeMy WebLinkAbout13-4619 1 Court of Common Pleas Civil Cover Sheet For Prothonotary Use Only: Docket No: Cumberland County 1 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. Commencement of Action: ® Complaint ❑ Writ of Summons ❑ Petition S ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking E Lead Plaintiff's Name: Bank of America, N.A., Lead Defendant's Name: Mark A. Wadel; Michelle D. C Wadel T Dollar Amount Requested: within arbitration limits I Are money damages requested ?: ❑ Yes ® No Check one) ) ®outside arbitration limits O 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 ❑Zoning Board C ❑ Other: 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 3 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- 043555 c~1, Bank of America, N.A. COURT OF COMMON PLEAS' PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY/-) Mark A. Wadel 6 111 West Orange Street fr', Shippensburg, PA 17257 =`> a Michelle D. Wadel 111 West Orange Street Shippensburg, PA 17257 ; 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. C�# lyo l/D /o a gy0g0 t 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. r 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 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- 043555 Bank of America, N.A. COURT OF COMMON PLEAS CIVIL DIVISION VS. CUMBERLAND COUNTY Mark A. Wadel NO: 111 West Orange Street Shippensburg, PA 17257 Michelle D. Wadel 111 West Orange Street ; Shippensburg, PA 17257 i DEFENDANTS COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, Bank of America, N.A., the address of which is, 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 The Washington Savings Bank, FSB Mortgagor(s) Mark A. Wadel and Michelle D. Wadel (b) Date of Mortgage July 22, 2004 (c) Place and Date of Record of Mortgage Recorder of Deeds Cumberland County Mortgage Book 1874, Page 3567 Date: July 26, 2004 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: The Washington Savings Bank, FSB Assignee: Countrywide Document Custody Services, a Division of Treasury Bank, NA Date of Assignment: July 23, 2004 Recording Date: September 7, 2004 Book: 711 Page: 1805 Assignor: Countrywide Document Custody Services, a Division of Treasury Bank, NA Assignee: Countrywide Home Loans, Inc. Date of Assignment: July 30, 2004 Recording Date: December 28, 2004 Book: 714 Page: 516 Assignor: Countrywide Home Loans, Inc. Assignee: Bank of America, N.A. Date of Assignment: July 23, 2013 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 Note 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 112 Pin Oak Lane, Shippensburg, PA 17257 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: Mark A. Wadel, 111 West Orange Street, Shippensburg, PA 17257 and Michelle D. Wadel, 111 West Orange Street, Shippensburg, PA 17257. 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 May 1, 2012 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 $84,170.67 Interest Currently Due and Owing at 6.625% $7,428.68 From April 1, 2012 through July 31, 2013 Late Charges $362.28 Escrow Advances $1,116.39 Property Inspection $625.40 Property Preservation $105.00 TOTAL $93,808.42 10. Interest continues to accrue for each day that the debt remains unpaid, and Plaintiff may incur other expenses, costs and charges collectible under the Note and Mortgage. 11. In addition to the above amounts, reasonably incurred attorneys fees and costs as well as proof of title in conformity with the mortgage documents and Pennsylvania law, shall be sought by Plaintiff and included in any request for judgment. 12. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et M., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first -class mail and certified mail. Copies of the material part of the Notice are attached hereto as Exhibit "C" in accordance with Pa.R.C.P. 1019(i). 13. Pursuant Pa.R.C.P. 1019(d), the Notice sent to the Defendant(s) contains the information required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. § 403 et seq., and separate Notice of Intention to Foreclose is not required. WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO & DeNARDO, LLC Date: BY: Attorneys for Plaintiff S & D File No. 13- 043555 DEEDS COUNTY -PA MWORD AM RWrEaM To I N" ' SAVINGS 02 01 NrrMjtLLVML$ RO AD, su '04 JUL 26 f R 9 58 BOWM, MD 20716 Parcel Number; [� Abu.. 9'b& iJns Fr R..,,, ft � MORTGAGE Loan xn DBFINITXONS Words used in lualtiple se°tions of this do 1 J'W 8, 2p and 21. Certain rule8 regarding tllcg Q ° tom fined in Sections 3, 11, 13, be Riders „ Provided in Section 16. to to f 1�ra>�t" means is docume this which is doCament. dated ITUlY 22nd, 3004 (B) "Borrower" is xark A. Wad" and k1ahstia A. Nadal , together with all (C) "Leader" is The Bo hiar is the mortgagor under ibis Security huhunrA. gton 9At►iags Bank, 1rss laws of • bander is a COAPORATXON Ms 1NTRb STATZ6 OF Ai! .TCA Orgagi rd and ex Uas under the Mitchellville Road, Ste. 300, 130wi4, Kaxyland 20716 Leador s address is 4201 Lender is �Ow mortgagee under this Security iastrun . (D) Note Means the pp q. rY note signed by Borrower and dated OW-7 2 224, 2004 Mates that Bormwer owes 1,ender H inst Y Your Thousand ooaand Three Rundred And no/too _� Note this debt in re Dollars (U.S. S 94, 300.00 ) ply '*Mt- Borrower has - - - - �) "I�+op reg ul ar periodic Payments and to pay the debt in full not later than 1►ugust lot to Y �� Property that is described below under the o 2034 ('F) Loan Maas the debt evidenced by the Note, plus interest, any re fifer of Rim in the Prop Note, and aII sm= due under this Security bu tument, Plus interest. 1 PaY M charges and late charges due under the (G) "�lt1em" 1 all Riders to this Sectulty Instrument that are E xccntcd by Borrower. The following Riders are to be executEd by Borrower [cheek box as applicable): 0 Adjustable Rate Rider 0 Condominium Rider 0 Balloon Rider 0 Paced Unit Development Rider 0 Second Jfo� Rider © 1-4 Family Rider 0 Biweekly Payment Rider © Other(s) [ifs') Pt3lVtQ6YL 02.u2 �Singie Pam* —F=We Mk It We UNARM 1N MtMCMT PArp171 •01,2Z2dpGt Inrtial8: Feml 30.9 Val /pose 1 of 1 BK 1874PG3S67 Ex 1 1 '4- (R) "Applicable Law" means all contfoiliug applicable intern[ Loan IA i administrative rules and ohs (that have the effect of law) as well as an Iacai: r eg ut atiols , ordinances and opinions. applicable final, non,appealable judiciai M "CDMnmulty Assodation Dues, Few, and �, are i tnpoa�ed on Borrower or the Property y a �� me= all dw, fees, assessments and Other charges that organization. > association, homeowners association or similar (J) "Electronic Funds Transfer" means any transfer of Au ds, otter titan a trace action o sintiIar Paper instrument, which is initiated through an electronic terminal, rWaaled by check, draft, or m tape m 50 order, insatruct, or anthorire a Bnanoial institution to debit ar credl ant acoo inst co ' O magnetic not Iimitc ted to, point -of -sale transfers, automated teller machine Such term ind�, but is transfers, and autommated clead;n out transfers, tt�naactions, transfers bddAtW by tetephtze, wire ( M "Eftmw If ms" means those items that are described in Seeder 3. (+L) 'ABsrcell neona p1rocees« , � rite party (other than insurannc xttlwm� award of damages, or proceeds paid b under of, the Property: (i sonde re s the coverages described in Section S) for: (4 damage to, or t cd conrkmnation; or (iv) minVresentations of, or omisslf all or any Part al e a pro r con (iii) cow in lieu of tM) 'Mortgage Insurance" mea>oo insurane ens as to, the value andlor cardidon of the Property. (N) "Periodic Payment" means the regularly protecting Lender against the nDapayma�eat of, Or default on, the I oAn. 0 aW amounts under %ctiou 3 of tlns'Sec scheduled amount due fot ( Priaadpal and ink= under the Note, Plus (0) Pmperty, whether or not that party "RESPA" means the Real gyjte SetU0nM pmcedanes Act (12 U.S.C. § 2601 et regulation, Reguaadon X (24 C.P,R, Part 35 nazi) and its tropic succor legislation or, as they might be amended from time to successor time, or any atidtional or refers to all a�s r= that governs the same subject matter. As in this Loan does natcivalifj, a�� WWMS that am �rts� need in regard to a "federally le �' 'PIMA " (I') Successor la In gage loan" under RBSPA. tit $0 �w� any Panty that has taken title b the inns assum Borro wer's a>bhg atrons under ft the N ote aadlor this $e�nt I re. TRANSPBR OF RIGHTS IN THE PROPEny This Security Instrument secures to Lender; (i) the modifications of the Note; and (ii) the o arrow of the Loan, and all renewals, olt0enaions and iarsttmttment and the Note. For this 1> rmarroe of B covenants and agreements under this S ecur it y described Property located in the Esc Borrower does hereby ulortP,a$e, 8a>aat and convey to Lender the folio Of CumbarZaad See art bathed [TYPC ofR- otding lurisdMbai 7Cxhibi t "jk tNwm of Rmordius 7ur l PFW _ b*ie PamLy --FWWO MaeFmM, Mss UIYIg IW 1NSPRUMUM Inifials: lbrm 3039 1101 ( 014 tivww.M � BK I874PG3568 which cuamay bas the address of 117 pin oslc Larne, Loan in N Pennsylvania 17257 isaeocl gbiPPousburR mp Codol Property Address'): rcuyl TOGl3'I'IiER WITH all doe i mp " ements now or hereafter erected on the property, and an easements, aPl t�annxs, and fixtures now or hereafter apart of the property. All replaceomo and additions shall also b by this Security butrumnent. A!! of the foregoing is referred to in this Security lustl'onacnt as du covered e Property. �� BORROWER COVENANTS that Borrower is lawfully seised of the estate hereb rrowCr and n will deferh' and that the Property is �, exce of record. encumbrances of record. g n�auy the title to the Property against all claims and demands, sobjeet to any THIS SECURITY INSTRUMENT combines limited variations uniform covenants for national Use and non- uadfornt covenants with by jun7lAction to constitute a Uniform security hart agent co vering teal property. UNIFoltM COVENANTS. Borrower and Lender covenant and agree as follows; I. ent at Prindpal, Intertai, Escrow Items, freP y Pay when Paym due the Prin the debt evidenced �' and Lida CL°rges. Borrower shalt cipal of, and interest on, cdrarges due uadcr the Note. Borrower shalt also b3' the Note an d SW prepayment charges and late under doe Note and thug Securit ]nstrumeart shall bey fiords for Escrow items pursuant to Section 3. PaymeMs due received by Lender as meek U.S. rrency. H If any cbSe1c or other instrwnent subsequent mypa ears due this Security lrrstn is ntUnod owever, to Lender unpaid, Iendet may require that any or all sub under the Note and this Serudt In the following forms, as selected by LetWer: (a) cash ) Y tr�rent be made In one or roue of check or casbior's check, Provided any such check is drawn urn an institution cec h c eck, bade check, treasurer's a�Y• i��rentality, or entity; or (d) Electronic Ponds Transfer. deposits are insured by a federal Payments are decmed received by Lander when received at the location as may be designated by Lender in accordance with the nod provisions n� �sin Ira Suction Se the Note or at such other PaYt or Partial payment If the Payment or 1 payment anlal P Leader nm return accept any P$Y>CZt or P artial PaY> n><s ant �, Iusarlftcient to bring the Loan cummat. Lander may payment insufficient W briny the loan qrrovit, without waiver of any ri PM Ace to its rights to refuse such Payment or Partial payments in the ghts hereunder or future, bat Lender is not O bligated Payments at the time each Payme are accepted. If each Periodic Payment e, applied a of its fly such Lender need not pact interest on anapplicd t}mds. Landon may hold such te, then to bring the Loan current, If Borrower does not do sa Within a reasonable Pod of wen makes pay t funds or return them to Borrower. If not applied earlier, such funds will be s»l either apply. such under the Note immediately prior to foreclosure. No off�t or claim which Bo ps t have now r balance against Leader shad relieve Borrower from =king Payments due under ght have now or in the faturm Performing the covenants and agreements d by this Security Instrument. er the Nate and thus Security moment or 2. Application O I'aymenta or Proceeds, �in�g order opriority. �� in this Section 2, all payre�cntc accepted and applied by Lender shall be applied in the filbw due under the Note; (c) amounts due under Section 3. Such shall l ) appl due under the Note; (b) ptincrPal d to order in which it became due. Any y remaining amounts shall be applied first to fate rebar h Periodic PaYp»t in the amounts due wader this Security Instrument, and then to roduce the principal ba}ance of the Note to sa other M C U S le pemay- Fennfe MetlFrsidie Mge Y11�2MRM IN Mt1Moa Irrlttal5: ,oni � rok n =9 iron foots B 4/1I p,$ea) www.Moriaaye�Bnnldagg BKI874PG3569 than one if Lender receives a Payment from Borrower fora Loan XD Y any late charge due, the payment ma Aa be � Periodic payment which includes a suMcimt amount Periodic Payment is outs Y applied w the delinquent payment and the late charge. If wore Lender may ably any Payment received from Borrower to the mpgymout of the Periodic Pa Yraents if, and to the extent that, each payment can be paid in full. To the extent that say excess exists after the payment is applied to the full payment of one or more Periodic Payments, chuges due. applied to shall be applied first to an Any application of payrnentc, insurance roc Y Y such excess ma be applied to any Late charges and then as describes{ in the Note. not extend ox postpotC the due dare, or P eels, or 14C�ellaneous prod Pcipel due under fire Note shall 3, ponds Por farrow Items. Borrow er s� ��' of the Periodic Paysient until the Note is paid in fall, a sum (the "Fund to p i Lend on en day amounts Payments are d� u the Note, and other items which on attain cunt de for payment of amounrts clue for: (a) taxes and assessments leasehold Fs o n t over this Security rnsMMORt as a Ifen or AaYnoents or ground rents on the Property, If any; (c) premiwns for any ast3 al l won the Prope (b) under Section 5; and (d) Mortgage Insurance per, if an or an wed by Lender the payment of Mortgage Insuraacc Premiums in accordance with the Provisions of Section 10, These items a Y sums payable by Borrower to Leader in lfeu oC "Escrow Items." At origination or at any tune re called Association Dues, Fees, and Assessments. if during the term of the Loan, Lender m require that Como�ity tin '' be escrowed by Borrower, e an Escrow Item. Borrower shall rY furnish >n Lender and such dues, foes god assessments shall Botrower shall AMY Lender the Ponds f all ndotices of amounts to be paid under this Section. any or all i3scrow Rents. or Escrow unless Lender waives Borrowcr's Obligation to Lender may waive Borrower's obligation to g AaY tlbe Portia for at any dwe. Any Mush waiver may only be in w g P to Les, pins for any or all Lsemw Itow and where payable, the amounts duo for any Escrow row I In the Ducat of such waiver, Borrower shall pay directly, when If Lender requires, shall furnish to Lender oans far which payment of punds has been waived b Le M evidencing such payment within such Y rider and, r equire- Borrower's obligation to make such payments and to provide tiros period as Lender may n r'ecerpts shall f covenant and agreement contained in this Security ats and o as the or atl.puwpom be deemed to be a 9. If Borrower is obligated to pay Escrow Item ys directly i COVe and allreem�eru is used in Section due for an Escrow Item, Lender spay exercise its rights under Section 9 and � and Borrower tbiIs to pay the am t be obligated under Section 9 to repay to Lender an Pay such auwunt and Borrower shall then Barrow Items at y such amount. Lender may revoke the waiver as to any or all any time by a notice given in accordance with Sectio ail 15 and, upon such revocat a, Borrower sh NY to Lea nder ail Panda, and in suc amounts, that are then required under this Section 3. the time r may, at any time, collect and hold Funds in an amount (a) sutrciew to under RESPA, and (b) not to exceed the Permit Lander to apply the Portia at Lender shall estimate the amount of Funds due on the basis o m 4 lender can requi� a rinds' REl�SPA. future Escrow Items or otherwise in accardatice with reasonabk estimates of expendim� of The Funds shat! be held in an institution whose Applicable Law. (Includin Lender, if leader is an institution whose deposits are s i red by a federal age instrumentality, or entity Lender shall .apply the Fonds to pay the Escrow Iiems no later than th � or in any pedeml Hornet Loan Bank spe Mod ClIftge Borrower for holder and a�Ying the Funds, annually analyzing the escrow aecodan It a t Veri i tnder shall not Unless an agreement is pays Borrower nmdt in writing orst Applicable the Funds re Applicable ices i inter Law Permits Lender to � the l'scrow required to pay Borrower any interest eut on the p ass interest to be paid on the Funds, Lender shalt no t be that interest shall be nds- paid on the Funds• Lender shall givewrrower and lender can egret writing, however, Funds as required by RBSPA. , without drarge, an annual accounting of the If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Bo excess funds in accor dance with R13SPA. If there in a shortage of Funds Geld in escrow rroavCr for the , a8 defhred wader RESpA, P L � ltvle Famay-•Fanate Ma thtddle Mae UNUPORM UMItDMUM IpitiaiM: +arm JlDf 2i 4 4pa4pa ., www.11fo � 6 Y�+•�om BK 1874 PG357-0 Lender shall notify Borrower as rewired by RESPA, and Borrower shadLoan ID up the shortage in accordance with RB. SPA, but in no more than 12 momthl y &C ry to tie held in escrow, as defined under P'� y payments. if then is a deficiency of Funds to Lender the amount Lender shag redly Borrower as required by RESPA, and Borrower shall p necessary upon paymw in payments, to make UP the deficiency ill accordance with RESPA, but In no more rhea 12 monthly Funds held y Lender full of all rams segued by this Security Instrument, Lender shall promptly refund to Borrower any `l• CbvrMl Liens. Borrower shall pay all taxes, aasessncents Property which can attain priority over this Sccuri Charges Eras, and impositions attdbutabie to the any, and Community Association DM g� tY 111sttmnent, leasehold the ext or ground rents on the Property, if Borrower shall ' and s , if any. To the extant that tbm items are barrow Items, ImY them in the tnarmer provided in Suction 3. Borrower shall promptly discharge any lien which has priority over this Secari agrees in writing to the payment of the obligation secured b the lien in a manner ty Insttrumeent Borrower: ( as Borrower is performing such agreement; (b) contests the Hen in cod faith b or d f to Lem, b� only so long lieu in, legal procccc*s which in Lender's opinion operate to present the enforcement f L' while those of We proceedi are o th MOM& but only until such proceedings are concluded or c a8ement satisfactory to Lander Subordinating the lien to this Security ()sew hem the holder of the lien an the �l=ty is subject to a lien which can attain priority over this ty Wtn mart. if Leader determines that any part of notice identifying the Hen, Within 10 days of the date on which lhat dcc Lende y give Borrower a take one or more of the actions set forth above in this Section 4. M Borrower sha11 satisfy the lien or Leader way require Borrower to pay a one-time charge for a real estate tax used by lender 18 connection with this Loan. verification andlor reporting service S• Property hwurrance, Borrower shall beep the improvements now existing or r i m=d against loss by fire, hazards inchWed within the term "extended cove e " erected on the Property not limited td, earthquakes and floods for which Laxler r s and any otbM hazards including but amounts (including deductible levels) stud for the periods that Lender insurance shall be maintained 1n the preceding sentm006 can change during the term of the Loan. The insurance Lender Immmmt to the right to chosen by Borrower subject to Lender's providing the insurance shall be unreasonably. Lender re disapprove Borrowers choice, which right shall not be e=cised flood �Y q uire Borrower to pay, in connection with this Loan, 01 f determination, certification and tracking services; or (b) a one ther : (a) a o -time charge for flood tope ne -time charge or i certf ser cation vices and subsequent charges each time remappings or similar determination and affect such determination or certification, Borrower shall also be re changes occur which reasonably might the Pcderai' mergency Management Agency co sponsible Prn the pa of any fees imposed by from an objection by Borrower. mectiou with the review of any flood sour dwenurination resulting If Borrower fails to maintain any of the coverages described above, Lender may obtain insures coverage, at Lender's option and Borrower's expense. L ender is under no obligation to purchase an coverage. Therefore, such coverage $hall cover Lender but might or might Y macular type or amount of or the contant4 of the Pr pmteet Borrower, Borrowers y the Property' not again in coverage than was in effect Burro ant' �k, hazard or liability and might provide greater or lesser might this Section exceed the cost of insM=M tha Borrow" could ha obtained, iMurance coverage so obtained under this Scanlon S shall become additional debt of Borrower secured by this Y amounts disbursed by Lender bear interest at the Note rate from the date of disbursement and Security It�tnunent. Thor shall Lender to Borrower requesting payment. shall be payable, with such inteMt, upon notice from PRNNMVAMA —simak V&m4- -ftnrde Ma*Treddk Mac C1�Ii1P RM (NSMUmorr Initials:. L PA1CM5 - 0t?ylgpy Farm 3OS9 1 /ol e s 1� Jx+arsl WWW M"* "D core BKI874PG357I All insurs a licies Loam Ib N � required by Lender and renewals of such policies shall be subject w L,endor'a night w di6approve such policies, shall include a standard mortgage elapse, and shall name Lender as mortgagce and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificapcs. It Under mss, Borrower shall promptly give to Leackr all remipts of paid premiums and renewal anfices. If Borrower obtains any form of insurance coverage, not ofherwisc required, by Lender, for damage to, or destruction of, the Property, such Policy shall include a stamclard m rtgage clause and &hall panne Lender as mortgagee andlor as an additional loss In the event of loss, Borrower shall give prompt notice to the insurance carrier and payee. proof of loss if not made m ��• Lender �y maim p by Borrower. Unlew Lender and Borrower otherwise agree in writing, any insurance Proceeds, whether or not the underlying insurance was required by Lender, sbail be applied to reatorsdon or repair of the Property, if the restoration or repair is economicaly feasible and Leader's security is not lessened. During such repair and restoration period, Lender shall have the right to hold Match itrsuraacc proceeds until Lender has had an oPPorft Wty to inspect such Property to ensure the work has been completed to I.ender's satlafactiou, Provided that each inspection shall be undertaken promptly, bender may disburse proceeds for the repairs anti restoration in a single payment or in a series of progress paynocnta as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Leader SW not be required to pay Borrower any interest Or earnings on such proceeds. Fees for public at(justera, or other third pardce, retained by Borrower shall not be paid out of the insurance proceeds and shall be the 6010 obligation of Borrower. If the restoration or repair is not economically feasible or L.ender's scmu* would be lessened, the insurance pmoerds shall be applied to the sum& secured by this SecuritY Instrument, whether or not then due with am excess if proceeds shall be applied in the order provided for in Section 2. any, paid to Borrower. Such insurance If Borrower abandons the Property, Lander may file, negotiate and settle any available iofflul hce claim and related matters, if Borrower does not respond wMn 30 days to a notice from Lender that the insurance carrier bas offered to settle a claim, then Lender may negotiate anti settle the claim. The 30 - day period will begin whoa the notice i6 given. In either event, or if Lender acquires the Property under Section 22 or othernise, BOrrower hereby .assigns to Lender (a) Borrvwer's rlgbxs W any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Iustrum=, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policles covering the Property, insofar as such rights are applicable to the coverage of &C PMPerty. Lender may use the insurance proceeds either to repair or restore the property or to pay amounts unpaid under the Note or this Security lrrsframent, whether or not then dire. 6. OccuRa'Cy. Borrower shall OCCUPY, establish, and as0 the Property as Borrower's principal residue within 60 days after the execution of flail Security Instrument, acrd shalt continue to occupy the Property as Borrower's principal residence for at least ono year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shRR not be nanreasonably withheld, or unless exteuuating ckcumslancea exist which are beyond Borrower's control. 7. Prraerrafion, Maintenance and Protectfoa of the Property; hlnspeWom Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on tbe 1roperty. Whether or not Borrower is residing in tto Property, Borrower shall maintain the Property in order to prevent the y from de0rioradna or decreasing in vane due to its condition. Unless it is determined economically feasible, Burnouse shall � to Section 5 that repair Or restoration i& not ImptiY repair the Property if damaged to avoid further deterioration or damage. If insurance or Condemnation proceeds are paid in connection with damage to, or the of rho Pro shall be r0sponaible !or repair ng or restoring thre �� 1�5', Borrower Property only if lender has released proceeds for Mach purposes. L:endar may disburse proceeds for the repairs and restoration in a single payment or in a series of Progress payments as ft work is completed. If ft insurance or condemnation prococds are not sufficient to repair or restore the Property, Harrower is not rdiev:.I Of Borrower's obligation for the completion of such rap* or rtmration. MNSYLVAM& -Single paoWy--raaut, Msearra to Mee UNIFORM IN&MUMMT Initials; MW PAr CW - Form SM IAI (Rage 6 of 14 p►ga) www.Mort�eTt�g OKI874PG3572 Lerxior or its agent may make reasonable entries upon and ' t h as as 1po inspections of the Property. If it has reasoru*le cause, Loader )nay inspect the interior of the improvements on the Property. Lender stall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. & Borrower's Loan Application. Borrower snail be in default if, during the Loan application process, Borrower or any persons ar entitus acting at the direction of Borrower or with Borrower's knowledge or caMSent gave tnatelWy Me, misleading, or ittaccu (C information or statements t4 Leader (or failed to provide Lender with material information) In connection with the Loan. Material ropresentafloris include, but are not limited to, representadons concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Lrterrst in the Property and Rights Under this Setan* intrument. If (a) Borrower fails to perform the covenants and. agreements contained in this Security Instrument, (b) there is a 10 gal proceeding that might significantly affect Lender's ingest in the Property and/or rights under tMs Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, fur enforcement of a lien which may attain Priority over this Security Yushument or to enforce laws or regulations), or (e) Borrower has abandoned the Property then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or and/or repairing the Pr 8 the value of the Property, and securing Propert Lenders actions can include, but are not limited to: (a) paying any sums secured by a Barn which has priority over ails Security Instrument; (b) appearing in court; and (c) paying reasonable attotnaye fees to protect Its interest in the Property and/or rights under this Security hr&u went, including its secured position in a bankruptcy proceeding. Sermring the Property includes, but is not Ii zkod to, entering tb; Property to make repairs, change Iooks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities torued on or oft. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lander incurs no liability for not taking any or all actions authorized under this Section 9. Any amoaW disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from tho date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment If this Security Instrument is on a Ieasehold, Borrower shall comply with all the provisions of.the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender ag�ces to lire merger in writing. 10, Mortgage InmfirraUM If bender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the preaaiums required to maintain the Mortgage hmranee in effect. If, for any reason, the Mortgage Insurance coverage required by Lender coasts to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage sabstaudOy equivalent to the Mortgage lnsmu= previously in effect, at a cost substantially equivalent to the cost to narrower of the Mortgage Insurance previously in effect, from an alternate mortgage Insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower sball continue to pay to Lender the amount of the separately dedpatW Payments that were due when the insurance coverage ceasod to be in effect, Lender will accept. are anti remin these payments as a non- rofhadable Ions resew in lieu of Mortgage Insurance. Such loss reserve shall be nt►» refrradable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be ruluired to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amourd and for the: period that Lender requires) provided by an insurer selected by Lender again bacomes available, is obtained, and Lender requires separately designated payments toward the premintm for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of malting the Loan and Borrower was required to PEENS YLVAMA -- Single Pamny —ymdo MadFreddte mac MIrORM INSMUMgNT Initials: ML406L PAIC147 . OZZUM Norm 3o39 1 /oi 00" 7a114pgw) www.M�g 9K 1874PG3573 make separately des; ted LCALn xn 0 tine l�yrnents toward the premiums for Mortgage Ir►Staa�ooe, Borrower shall pay the premimis required to maintain Mortgage Insurance in effect, ar to provide a non - refundable loss reserve, until Lander requirement for Mortgage Insuuanee ends In accordance with any written agreement between Borrower and Lender proviuli 4 for such termination or until termination is required by Applicable Law. Nothing in this Se cdoo 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (Or any entity that purchases the Note) for certain losses it may incur if Borrower does not tepay the LAM as agreed. Borrower is not a party to the Mortgage Ins==, Mortgage iwunt:rs evaluate their total risk on all such insurance in force from time to time, and Ray enter into agreements with other parties that share or modify the risk. or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the Other party (or parties) to these agreements, These agreements may re4gWre the mortgage insurer to make payments using any source of funds that the mortgage inter may have available (which may include funds obWncd from a Mortgage Insurance As a result Of these, � a g ���)' agreements, Lender, array purchaser of the Note, another usurer, any reia+surer, a , other entity, or any affiliate of any of the fbtcgoing, may receive (directly or indirectly) antotuds that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses, If such agreement provides that an affifiM of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further; (a) Any such agreements will not affect the amounts that Borrower bas agreed to pay for Mortgage Insurance, or any other terms or the Loan. Such agreements will not increase the amount Borrower will owe for Mortgnp Insurance, WW they will not entitle Borrower to any refund. (b) Any such agream"fiv will not affect the rights Borrower has • if any • with respect to the Mortgage Insurance under the Homeown ars Protection Ad of IM Or any other law. These rights may Include the right to receive pertain disdosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage WOMB= terminated automa leally, and/or to readve a refund of any Mortgage Insurance pe esnioms that ware unearned at the tere h of such cancellation or termination. 11. Assigaruent of Miscdlaneous Proceeds; Forfedtore. All Miscellaneous proceeds are hereby assigned to and. shall be paid to Lender. If the Property is damaged, such Miscellawous Proceeds small be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened, During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensu the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disburs=nt or in a series of progress payments as the work is completed. Unless an agreement is made in wriift or Applicable Law requires interest to be paid on such Miscellaneous proceeds, Lender shall not be required to pay Borrower any interest or earnings on $ucb MWellaneous Proceeds. If the, restoration or repair is rtot economically feasible or Leader's security would be lessened, the Miscellaneous PrOeve }s shall be applied to the suur>,c secured by this Seandty Instrument, whether or not then due. with the excess, if any, paid to Borrower. Such Miscellaneous Pmmxb shall be applied in the order provided for in Section z. In the event of a total taking, destruction, or loss in value of fie Property, the Miscellaneous Proceeds shall be applied to the sums secarod by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower: In the event of a partial talang, destruction, or loss in value of the Property in which the fair market voice of the Property immediately before the partial taking, destruction, or toss in value is equal to or greater than the amount of the PFleWLVANU -Shoo Family —vwnu6 M1kw raldte Mee CUNT{ M IKM'RUMR[VT Initials: t„I PAI w 02222M FOM 9039 Uet J�kqe h of 14 pages) �.Mortg�e8�it�, B{ l 874PG3574 s secured by this Security Instr unent immediately before the partial , deaaucti lor i sum ti p. Borrower and Lender otherwise a �� �, or ss n value, Mess Brea in writiq, the snore secured by tbis Security Insttument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums i secured mmediate ly before Lisa partial taking, destruction, or loss in vale divided by (b) the fair market value of We Property imMo&tely before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immecGamly before the partial Bang, destruction, or loss in value is less arzd than the amount of the stuns sec immediately before the partial taking, destruction, or loss in value, unless Borrower sad Lander otherwise agree secured writing, the Miscellanem Proceeds shall be applied to the sutra secured by this Security Instrument whether or not the ms . su are theft due. If the Property Is abandoned by Borrower, or if, after notice by Lander to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender IS authorized to collect and apply the Mi M=us proms either to restoration or repair of the Property or to the sums secured by this Security Instru mum, whether or not an due, "Opposing Party" moans the third patty that owes Borrower Miscellaneous proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall he in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's Judgmcnt, could vault in forfeiture of the Property or other material impairment of Leader `s interest in the Property or rights under this Security lustzutticrrt. Borrower can cure such a default aunt, if accobtation has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material Itnpairnunt of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that ate attributable to the Impairment of Lender's interest in the Property are booby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied is the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Loader Not a Wa1w. EKWIslon of the time for payment or modifica0en of amortization of the sutt>s =='ed by this Security Instrument granted by Lender to Borrower or aq Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in I nterest m of Borrower. Lender shall not be required to commence proceedings against any Successor or of Borrower to refuse to extend Nee for payment or otherwise modify amortization of the sums secured by this Security instrument by reason of any demand matte by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy imi eding, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any tight or remedy. 13. Joint enA Severe! Liability; Co- signers; Succemom andAsslgurs Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co this Instrument but does not execute the Note (a "oo-signer'�: (a) is co- signing this S=Wty Instruumont only to mortgage, grant and convey the co- Auer's interest In the Property under the terms of this Security Instrument; (lu) is no personally obligated to pay the MM secured by this Security Instrument; and (o) agrees that Lender and any other Borrower can agree to extend, modify, forbear of make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 16, any Successor in interest of Borrower who asstwtes Borrower's obligations under this Security Instrument iu writing, and is approved by Lender, shall obtain all of Borrower's rights and bermflts alder this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this PRA MVLYANIn —S4%k PsmAy_F=)h MadF"Mh Mee UMFORM 1tvSTTttl KNT Initials: 0t g PAICM9.02211 Form 3039 r/ot (MP 9 0114 nww.MoUtga�Bggy� , BKI374PG3575 2D C and agreements: Security Instrument unless Lender agrees to such release in writing. The covenants of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and aWgm of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower default, for the purpose of protecting Lender's interest in the Property arxi rights under this Security Insuument, including, but not limited to, attorneys' feM property inspection and valuation fees. In regard to any other fees, the absence of *uprose Authority in this Security Instrument to charge a specific fee to Borrower shell not be conatmaed w a prohibition on the charging of such fee. Leader may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loam charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan enured the permitted Iimits, then; (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any enure already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lander may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be tru=sted as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Mdus. All notices given by Borrower or Lender in eounection with this Security Instfuu1m must be in writing. Any notice to Borrower in connection with this Security Lastrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other moans. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law cat mdy requires Otherwise The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lenda. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Bortower's change of address, then Borrower shall onl report a change of address through That specified procedure. There may be only one designated notice address under this &cm* Instrument at any are floe. Any notice to Lender shall be given by delivering it or by mailing it by frrst class mail to Lender's addtuss ,geed herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security hnstrnment is also required under Applicable Law, the Applicable Law requimmeM will sates the corresponding requirement under this Security Instrument. 16, Governlrsg LAwt Severabllityt Rules of Construction, This Secaiity Inshument shall be governed by federal law and the law of the juris idlon in which the Property is located. All .rights sued abligattons contained in this Secuity Instrument are subject to any wriremente and limitations of Applicable Law, Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Inginument or the Note conflicts with Applicable Law, such coaffict shall not affect other provisions of this Security Instmment or the Note which can be given effect without the conflicting provision. As used in this Security Innstrameut: (a) words of the masculine gender shall mean and include corresponding neater words or words of the femirrine gender; (b) words in the singular shall wean and include the plural and vice versa; and (e) the word "may" gives sole discretion without any obligation to take aoy action 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument, M Transfer of the Property or a Bcue tal Kest in Borrower, As used in this Seeder I8, "interest in the Property" means any legal or beneficial interest in the Property, includiag, but not limite♦1 to, those beneficial interests I'RPfNNUVANIA- Single Panilly— Fannie Maeftadcge Mere UNWORN INRMUMRNT Initials: l ►,U�U, L{/' ►�' ." PAICMA . eZZ22002 Form 9039 1M1 (page 10 of 14 pgfaa) BKI874PG3576 Wwn 1L transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intext of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in [all of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such caercise is prohibited by Applicable Law. If Lender exorcises this option, Tender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordane with Section 15 within which Borrower mast pay an sums secured by this Security Instrument, if Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security imtrament without further notice or demand on Borrower. 19. Borrower's Right to Rein0ate After Acceler4tion. If Borrower meets certain conditions, Borrower sitaall have the right to have enforcement of this Security Instrument discontimred at any time prior to the earliest of (a) five days before sale of the Property pursuant to any power of sale contained in this Security lnstIUM0114 (b) such other period as .Applicable Law might specify for the wrtnination of &urrowces right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower. (a) pays Lender all same which then would be due under this Security Instrument and the Note M if no =dcratron had occurred; (b) cites any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing thi Security lnstruunent, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security hatrumcni; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in ike Property and rights under this Secxrdty lnstruument, and Borrower's obligation to pay the sums socured by this Security Instrument, d an conainuc unchanged. Lender may requite that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender; (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any stitch creek is drawn upon an institution whose deposits are insured by a federal agency, inaMamentality or entity; or (d) Eloctronlo Punds Transfer. Upon reinstatement by Borrower, this Security lmstrtment.sad oblflgatious secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to u'eixstate shall not apply in the case of acceleration under Section 18. Zo. Sale of Note; Change of Loan tSaTicer; Notice of GrIenu e. The Note or a paxtiat interest in the Note (together with this Security Instrument) can be sold one or more timm without prior notice to Borrower. A sale might result in a change in the entry (known as the "Loan Servicer") that collects Periodic Payments doe under the Note and this Security Instrument and perforate other mortgage loan servicing obligations under the Note, this Security instrument, and Applicable Law. There also might be one or more changes of the Iran Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notes of the change which will state the name and address of the new Loan Setvicer, the address to which payments should be made and any other inforngtion RBSPA requires in comrection with a notice of transfer of servicing, if the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by rho Not purchaser unless otherwise provided by the Note purchaser, Neither Borrower nor Lender ay cotmml=, joi tr n, or be joined to any Judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Secuurity Inst<ament or that alleges that the other patty has breached any provision of, or any duty owed by reason of, this Security luMulu ont, until such Borrower or Leader has notified the other party (with such notice gives in compliance with the requireunetU of Section 15) of such alleged breach and afforded the other panty hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be Initials; 1A PENNSYLVANIA -Sia0a Vxm1y-- F'amde 1VI wyttAdte Mac UNMRM IN6TZ'1tt1M1M Form 3039 II01 (page 11 of 14 pa8et) PAICMB .02222M vvw+v 1YI .00p► BK 1874PG3577 Loan XA taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be demadd to satisfy the notice and opportunity to take cormctive action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" am those substances defined as toxic or hazardous substances, pollutants, or wastes by Envimnmemal Law and the following substances: gasoline, Wosene, other flaomable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an ' Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental C leamup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substu►txs, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Hnvirontnentat Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, Creates a condition that adversely affects the value of the Proporty. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that an generally recognized to be appropriate to normal residetdiat uses and to maintenance of tine Property ('including, but not limited to, hazardous substances in consumer producU). Borrower shaA promptly give bender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Haviroumental Law of which Borrower bas actual knowledge, (b) any Snvironnnental Condition, Wduding but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of tin Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions. in a=ordawc with Environmental Law. Nothing herein shall ornate any obligation on Lender for an Havirorrnental Cleanup. NON- UNWORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Aceeleration; Remedles. bender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement to this Security )Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides oth"Ise) . Lender shalt nodry Borrower of, among other things; (a) the derautt; (b) the action requlred to cam the default; (c) when the default must be curd; and (d) that railare to cure the deranit as apwified tray result In acceleration of the suns secured by this Security Inshu emt, foreclosure by Judicial proceeding and wale or the Property. Lender shall further Inform Borrower or the right to reinstate after acceleration and the right to nawrt in the foreclosure proceeding the nex- existente or a default or any other defense of Borrower to accelemdon and foreclosure. If the default Is not cured ss specified, Lender at Its option may require Immediate payment In full of all sums secured by this Security Instrument without farther demand and may foreclose this Security Instrument by Judicial proc Leader AM be entitled to collect all expenses Incurred in pursuing the remedies provided to this Section 22, including, but not Waited to, attorneys' fees and costs of tltie evidence to the extent permitted b Applicable Law. 23. Release. Upon prayonent of all sum's secured by this Security Instrument, this Security Instrument and the Coate eomeyed shall terminate and become void. Ater such occurrcm, Lender shall discharge and satisfy this Security Initials: A V FUMSYL VANIA- Single Family --Fawk Mew rW&c Mae UNIFORM M%TrRUMRNT Forth 3039 1101 &8s l2 of l4 pages) PAICMC - OM22M wv+w Morta�yrte��.aom Bit 1874PG3578 Loan ID ti Instrument. Borrower shall pay any recordation costa. Lender racy charge Borrower a foe for releasing this Security fmctcument, but only If the foe is paid to a thud party for services renderod and the charging of the fee is permitted under Applicable Law. 24. Waiverm -Borrower, to the extent permitted by Applicable Law, waives and raleases any error or defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or future laws providing for stay of execution, extension of time, exemption ftom atiaclinlant, levy and sale, and bomestmd exemption. 25. Reinstatement Period. Borrower's dine to reinstate provided in Secdon 19 shall extend to one hour prior to the commencement of bidding at a sheriff's We or Other sale pursuant to this Security lustrumant. 26. Purebase Money Mortgage. If any of the debt secured by this Security Insmunm is leaf to Borrower to acquire title to the Property, this Security Instrument shall be a purchase money mortgage. 27, Interest Rate After Judgment, Borrower agrees that the interest rate payable after a judgment is enteral on the Note or in an action of mortgage foreclosure sha11 be an rate payable from tlroe to time under the Note. BY S104NO BELOW, Borrower accepts and agrees to the terms and covegants contained in this Se=4 Instrument and in any Rid" executed by Borrower and recorded with it. Witnesses: V Mark X. Nadal - Borrower Nick&olle D- Nadal borrower (Seal) - Borrower (Sea) - Borrower - Borrower Borrower P$NMYLVAMA,- Single BemUy —Fable MatfFnMe Mine UNIFORM INSTRUM]IM Form 3839 IM {pate 13 ojl4P4840 PAICMD - 022zzm 0 1 1 1-870G3579 Loan ID / f elrt f ate or Residence I do oerdfy that the precise address of the within- uamedmortwee is 4201 Witahellvillo Roes, Ste. 300, D*wia, MazyUnd 207L6 Witness my hand this 22nd day of July, 2004 Agent of ortgaizil-k COMMONWEALTH OF PEMMVANIA ce= ty ast On this, the. 22nd day of July, 2004 before me, the undersigned officer, per® mUy append ]lark A. Nadel and Mieftelle D. Nadal known to me (or proven) to be the persou(s) whose rrame(s) Bre subscribed to the within instrument and acln owVAgcd that TRZY executed the same for the purposes herein conWacd. IN WITNESS WHEREOF, I hereunto set my hand atd official seal. My Coonnission Sapires: II _ NOTARIAL t#t ;Al, SHELLBY JENKINS. NOTARY PUBLIC CHAMBERSBURG. FRANKLIN COUNTY, PA MY COMMISSION EXPIRES SNPT, ill, 2x08 Title of Officer Initiads:'�, FBKNWLVANL4L -SU*)* FamHy- Faunte ?A*dFreddk Mat UATWORM IMMI NIU f Yom 3039 lAn &p 1I 6f 14 pqw) PAtCM - M2'L2002 veww IYi cap 81f I874PG3580 itle No. ACCC -2573 SCHEDULE C ALL the following described parcels of ground, with improvements erected thereon, lying and being situate in Shippensburg (formerly of Southampton Township) Township, Cumberland County, Pennsylvania, bounded and described as follows: - TRACT NO- 1 : BEGINNING at an iron pin at the southern aide of pin Oak Lane; thence along the Southern side of Pin Oak Lane North 26 degrees East 90 feet to an iron pin; thence along Lot No. 13, Section $, South 64 degrees East 135 feat to an iron pip; thence along Lot No. 12, suction E, South 26 degrees Vast '90 feet to an iron pin; thence along Lot No. 9, Section E, North 64 degrees West 135 feat to an iron pin at. the place of BEGINNING; BEING Lot No.. 11, Section E, in Mountain View Addition as laid out by John. Howard McClellan, R. $.j dated May, 1963. Plan gook 18 -22 'iUCT ,NO. 2: BS131NXMG at an- iron pin at the Eastern edge of Pin Oak Lane; thence along Lot No. 11, Section E, now or formerly owned by Ned R. Fogelsonger and Cheryl M. Pogelsonger, South 64 degrees East 135 feet to an iron pin; thence along Lot No. 10, Section E, South 26 degrees West 45 rest to an iron pin; thence through Lot No. 9, Section E, North 64 degrees West 135 feet to an .iron pin at'the eastern edge of Pisa Oak Lane; thence -►long eastern edge of Pin Oak Lane North 26 degrees East 43 feet to tha iron pin at the place of BECiINNYxa, BEING the Northern half of Lot No. 9, section 6 in the Revised Mountain View Addition, surveyed by John Howard McClellan, C. S., dated May, 1963.P1an look 18 - 22 �v BE NG the same premises which George C. Smith and Helen B. Smith„ husband and wife by Teed dated 08nV97 and recorded 08/26/97 in the Office of the Recorder of Deeds in and for Cumberland County, Pesngsylvanie, in ptecord Book 163 Wage 441 granted and conveyed unto beffrey Lynn Keating and Sandra M. Keating, husband and wife. i (,'Crriify this to be recorded In Cunlberi nd CountyP o is � C• Recorder of Deeds Un Loan ID NOTE duly 22nd, 2004 chambersburg, Pennsylvania ID -I [city] [State] 112 Pin Oak Lane, Shi ppensburg, P=MSYLVANIA 17257 (Property Addfessl 1. BORROWER'S PROMISE TO PAY In return for a loan that l have received, I promise to pay U.S. $94, 300. 00 (this amount is called "Principal plus interest, to the order of the Lender. The Lender is The Washington Savings Bank, FSR . I will make all payments under this Note in the form of cash, check or money order. I understand that the Lender may transfer this Note. The Lender or arryoue who takes this Note by transfer and who is entitled to receive payments under this Note is called the 'Note Holder." 2. INTEREST Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of 6 %n. The interest rate inquired by this Section 2 is the rate 1 will pay both before and after any default described in Section 6(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payment on the 1st day of each month beginning on September 19t, 2004 . I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. If, on August 19t, 2034 , I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date." I will make my monthly payments at 4291 Xitehellville Road, Ste. 300, Bowie, Maryland 20716 or at a different place if required by the Note Holder. (B) Amount of Monthly Payments My monthly payment will be in the amount of U.S. $603.62 4. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment." When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment ainonnt, before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. 5. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b} any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this reftmd by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be orated as a partial Prepayment. 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments if the Note Holder has not received the full amount of any monthly payment by the end of Fifteen calendar days after the date it is due, I will pay a late charge to the Note Holder. The ammrnt of the charge will be 5.000 % of my overdue payment of principal and interest. I will Pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default if I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all the interest that I owe on that amount. That date most be at least 30 days after the date on which the notice is mailed to me or delivered by other means. .(D) No Waiver By Note Holder immediately in full as described Even if, at a tune when I am in default, the Note Holder does not require me to pay Y above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Molder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me f a ll of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees. R' lt) LTMATEFIXEDRATEN07E- SiugleFmnily- FaunteMoe/ FroddicMa�l Jl�'rFQRMINS'r'R'(P,vvIItTPI' w Bwd3ng5ysten15.4rom • AAlCKt - Os292001 8595 -176Z - 888 99T /T? 3DYd Wd ir5 :tZ :£ ZT0Z /5Z /ir �21 13 Loan ID 1 7. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to the at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any no that must be given to the Nate Holder under this Note will be given by delivering it or by toiling it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 8. OBLIGATIONS OF PERSONS UNDER TICIS 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. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This Mans that any one of us may be required to pay all of the amounts owed under this Note. 9. WAIVERS I 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 the Note Holder to demand payment of amounts due. "Notice of Dishonor" mmuls the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 10. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variation: in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the "Security Instrument "), dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep the pronnses which I make in this Note. That Security Insmhment describes how and under what conditions I may be required to snake immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows: If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security IJ14MuntnL However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law, If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the nofice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security histrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may involve any remedies permitted by this Security Instrument without further notice or demand on Borrower. WITNESS THE HAND(S) AND SBAL(S) OF THE UNDERSIGNED. Mat- a /. (Seal) Mark A. Wadel - Borrower �. (Seal) Michelle D. wadel Borrower Countrywide Document Custody Services, pAy*MVf0W()FA Division of Treasury Bank, N.A. (Seal) - Borrower tVVfT1i0UCSE. N WK P5B BY: (SeA E abeth A. Mannion -Borrower Mortgage Origination Manager (Seal) - Borrower (Seal) - Borrower (Sign Originni OnW MULTISTATE FIXED RATE NUM—Sink Fsav]y —Palm eht'd1rreddfelylxc UiC�ORM SNb1'RUMENT wwa.MoeiBHC�O B oP°�� AA1CN2 - 08MOCI 8599_D6Z -888 59T/9 3OVd Wd Ir5: DZ: C ZTOZ /SZ /D 109Tr9E[HKG1ld1l0 CRPRDNRBS46a 4/25/2012 3:24:54 PM PAGE 7/165 888 - 294 -565 PAYTOTHEON)EROF PAY70THEORDEROF COUNTILYWME HOME LOAM INC. WPI'HO11T RECOURS! WTHOUT RECOURSE COUMYWIDEDO=04TCUSTODY SERVICES, CO DE OE HOI:'E LOANS, INa A MVMDN OF TREASTURY BA } .k, MA BY oy k apetlOf IAURMTAFDOL VICE PRF.SII)EW manooft DhctDr `r PO Box 9648 v Temecula, CA 92589 -9648 2271908087 20130412 -7 111111 ell l IIHIlni1lilnllnl ,ln,iiiii,ii,il�,ii,li,iii,,,i MARK O A . WADEL range 111 W St Onge St Shippensburg, PA 17257 -1725 b I I I i April 12, 2013 MARK A. WADEL 111 W Orange St Shippensburg, PA 17257 -1725 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached paces The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM ( HEMAP) may be able to help to save your home. This Notice explains how the program works To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency The names addresses and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice If you have any questions you may call the Pennsylvania Housing Finance Agency toll free at 1- 800 - 342 -2397. (Persons with impaired hearing can call 1- 717 - 780 - 1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VNIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICAC16N OBTENGA UNA TRADUCC16N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Its 2271908087 HOMEOWNER'S NAME(S): -MARK A. & MICHELLE D. WADEL PROPERTY ADDRESS: 112 Pin Oak Lane Shippensburg, PA 17257 LOAN ACCT. NO.: ORIGINAL LENDER: THE WASHINGTON SAVINGS BANK CURRENT LENDERISERVICER: Bank of America, N.A. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a `face-to- face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY -THREE (331 DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT". EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice It is only necessary to schedule one face-to -face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received with thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 112 Pin Oak Lane Shippensburg, PA 17257 IS SERIOUSLY IN DEFAULT because A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Charges: 05/01/2012 08/31/2012 @ $825.72 $3,302.88 09/01/2012 - 04/30/2013 @ $851.07 $6,808.56 Late Charaes: 05/01/2012 - 02/28/2013 @ $30.19 $301.90 Other Charges: Additional Uncollected Late Charges: $0.00 Uncollected Costs: $700.40 Partial Payment Balance. 0.00 TOTAL AMOUNT PAST DUE: $11,113.74 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $11,113.74, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashiers check, certified check or money order made payable and sent to Bank of America, N.A. at P.O. Box 15222 Wilmington, DE 19886 -5222 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also Intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorneys' fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) 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 Sheriff's Sale. You may do so by paving the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writina by the lender and by nerforminq any other requirements under the mortgage Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgage property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriff's 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 or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Bank of America, N.A. Address: PO Box 5170 Simi Valley, CA 93062 -5170 Phone Number: 800 -669 -0102 Fax Number: 1- 800 -520 -5019 Contact Person: General Collections E -Mail Address: correspondencesupport@bankofamerica.com This is not a secure email address; privacy is limited. Accordingly, confidential information, including account information and personally identifi able information should not be transmitted by this non- encryptedemail. If you prefer to send confidential informationvia e-mail, please contact us at the telephonenumber above, and we will arrange for an encrypted method of communication. EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continueto live in the property after the Sheriff's sale, a lawsuitto remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO 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. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. 2271908087 HEMAP Consumer Credit Counseling Agencies FRANKLIN County Report last updated: 03112/1013 11:09 AM Advantage Credit Counseling Service /CCCS of Western PA Advantage Credit Counseling Service /CCCS of Western PA 2000 Linglestown Road 55 Clover Hill Road Harrisburg, PA 17102 Dallastown, PA 17313 888 -511 -2227 888 -511 -2227 Community Action Commission of Capital Region Housing Alliance of York/Y Housing Resources 1514 Derry Street 290 West Market Street Harrisburg, PA 17104 York, PA 17401 717 - 232 -9757 717- 855 -2752 Maranatha PathStone Corporation 43 Philadelphia Avenue 450 Cleveland Ave Waynesboro, PA 17268 Chambersburg, PA 17201 717 - 762 -3285 717 - 264 -5913 PA Interfaith Community Programs Inc 40 E High Street Gettysburg, PA 17325 717 -334 -1518 2271908087 HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Repoet last updated: 0311212013 11:09 AM Advantage Credit Counseling Service /CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888 -511 -2227 717 -232 -9757 Housing Alliance of York/Y Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York, PA 17401 Waynesboro, PA 17268 717 - 855 -2752 717- 762 -3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave Harrisburg, PA 17102 Chambersburg, PA 17201 717- 234 -6616 717- 264 -5913 PA Interfaith Community Programs Inc PHFA 40 E High Street 211 North Front Street Gettysburg, PA 17325 Harrisburg, PA 171.10 717 -334 -1518 717- 780 -3940 800 - 342 -2397 2271908087 a 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: hftr);//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 PERSONNEUSERVICEMEM13ERS 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. R RE 2271908087 DIVULGACIONES IMPORTANTES Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneracidn de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudacibn, una demanda de pago o un intento de imponer una responsabilidad personal por esa deuda, Usted no este obligadc(a) a hablar de su prestamo para vivienda con nosotros. ni a participar en un programa de modificacibn de prestamos u otro programa de asistencia para prestamos. Usted debe consultar con su abogado especializado en quiebras u otro asesor acerca de sus opciones y derechos legales. Bank of America, N,A., el administrador de su prestamo para vivienda esta 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 prestamo que podra resultar en la aceleracibn de todas las cantidades adeudadas bajo el Pagare. 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. aplicara cargos a la cuenta de su prestamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento esM disponible en el sitio de Internet: I htto:// yrww. 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, sebados de 9 a. m. a 3 p. m. hors del este. para pedir que se le envie una lista de cargos por correo. La lista de cargos contiene una lists completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lists completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su prestamo. PERSONAL MILITARI 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 ejecucion hipotecaria asi como tambien ayuda en la tasa de interes. Para obtener mss information y determinar su calificacidn 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. 2271908087 C3_5088 OPTAVDFC 15319 09/2412012 Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s) could work for you. Options to consider if your goal is to stay in your home ....... ... c xtp 0 M S n 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 I that is past due. Options to consider if you cannot or do not wish to stay in your home Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program Foreclosure (HAMP) but were unsuccessful in securing a permanent modification through the program. Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A Program (HAFA) short sale is a transaction in which you sell your property for less than the total amount owed on the loan (subject to agreement by your servicer/lender/investor), resulting in the release of our lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is 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 1. 00 retention alternatives, and who were not able to sell the property through a short sale. -:_ 1.1k L E We are here to help you. Please call us today. 2271908087 Hay opciones disponibles para ayudarle a Evitar la Ejecucion Hipotecaria Llame al n6mero que aparece en la notificacion adjunta para obtener mas informacion Cuando Ilame, por favor tenga a la mano la informaciGn de sus ingresos y gastos para que podamos discutir cuales opciones podrian funcionar para usted. Opciones a considerar si su objetivo es permanecer en su casa . Home Affordable Es un programa del gobierno federal que le permite pagar el prestamo bajo los nuevos Modification termincs acordados, que pueden incluir la reduocion de la tasa de interes, agregar Program (RAMP) cantidades vencidas al final del prestamo, y/o extender el plazo del prestamo. Usted puede calificar para este programa si cumple con los siguientes requisitos: • La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750 dolares para una vivienda unifamiliar, $934,200 dolares para una propiedad de 2 unidades, $1,129,250 dolares pars una propiedad de 3 unidades o $1,403,400 para una propiedad de 4 unidades • Usted ha documentado que atraviesa por una dificultad financiera y declarado que no tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca. Obtuvo su hipoteca antes del 1 de enero de 2009. La propiedad que garantiza el prestamo hipotecario no ha sido condenada o no este en malas condiciones fisicas como para no poder habitarse incluso si no este condenada. • La hipoteca esta garantizada por una propiedad de una a cuatro unidades. Restablecimient Si usted puede poner al dia los pagos de su prostamo, aceptaremos los Tondos necesarios o del Prestamo para que el prestamo este al dia hasta la fecha de la venta por ejecucion hipotecaria. Plan de Pago Un plan de pago le permite a usted hacer sus pagos hipotecarios regulares, ademas de pagar una porcion de los montos vencidos a traves del tiempo. Esto puede incluir capital, interes, cargos o costos aplicados a su prestamo. Acuerdo Es un acuerdo en el cual aceptamos no proceder con la ejecucion 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 Modificacidn de Una modifcacion del prestamo es un cambio en los terminos originales de su prestamo, Prestamo Las modificaciones podrian incluir reducir su tasa de interes, extender el termino o la fecha (no por medio de pago del prestamo, cambiar de un prestamo de tasa de interes ajustable a uno de tasa de HAMP) de interes fija, diferir una parte del saldo del capital impagado al final del prestamo, y/o condonar una parte del saldo de capital impagado. Reclamo Parcial Si usted tiene un prestamo de la Administracion Federal de Vivienda (FHA) y sus pagos (solamente estan vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca, prestamos de la este programa esta disenado para que su prestamo este al dia mediante la creacion de FHA) una segunda hipoteca / gravamen sobre su propiedad por el monto que este vencido, 2271408087 Opciones a considerar si no puede o no desea quedarse. en su casa Home Affordable Diser)adc para ayudar a los prestatarios que califican para el Programa de Home Foreclosure Affordable Modification (HAMP), pero no consiguieron obtener una modificacibn Alternatives permanente a traves del programa. HAFA ofrece la posibilidad de una venta en Program (HAFA) descubierto y, si no tiene exito, una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria. Una venta en descubierto es una transaccibn en la que usted vende su propiedad por menos de la cantidad adeudada en el prestamo (sujeto a previo acuerdo de su administrador / prestamista / inversionista), resultando en la liberacion de nuestro derecho de retencion sobre su propiedad y evitar la ejecuci6n hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria es una transaccibn en la que usted estA de acuerdo de transferir voluntariamente las escrituras de su propiedad a nosotros con el fin de evitar la ejecuci6n hipotecaria. Venta en Si usted ya no puede hacer sus pagos hipotecarics 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 venta en descubierto, el prestamista acepta recibir una monto menor ejecuci6n de to que actualmente se adeuda en el prestamo. Se ofrece a los prestatarios que no hipotecaria (no por califican para HAMP o para otras alternativas de retencion 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 prestamo 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 retencion de vivienda, y que medio de HAFA) no pudieron vender la propiedad a traves de una yenta en descubierto. Estamos aqui para ayudarle. Por favor Ilamenos hoy. PO Box 9048 Temecula, CA 92589-9048 2271908086 20130412 -7 MICHELLE D. WADEL 111 W Orange St Shippensburg, PA 17257 -1725 i April 12, 2013 MICHELLE D. WADEL 111 W Orange St Shippensburg, PA 1 7257 -1 725 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached paces The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM ( HEMAP) may be able to help to save your home. This Notice explains how the program works To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counselina Agency The names, addresses and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any auestions, you may call the Pennsylvania Housing Finance Agency toll free at 1- 800 - 342 -2397. (Persons with impaired hearing can call 1- 717 - 780 -1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VNIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. E 2271108086 HOMEOWNER'S NAME(S): MARK A. & MICHELLE D. WADEL PROPERTY ADDRESS: 112 Pin Oak Lane Shippensburg, PA 17257 LOAN ACCT. NO.: ORIGINAL LENDER: THE WASHINGTON SAVINGS BANK CURRENT LENDERISERVICER: Bank of America, N.A. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT "), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date. of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to- face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY -THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED 'HOW TO CURE YOUR MORTGAGE DEFAULT' EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice It is only necessary to schedule one face-to -face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received with thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 112 Pin Oak Lane Shippensburg, PA 17257 IS SERIOUSLY IN DEFAULT because A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Charges: 05/01/2012 - 08/31/2012 @ $825.72 $3,302.88 09/01/2012 - 04/30/2013 @ $851.07 $6,808.56 Late Charges: 05/01/2012 - 02/28/2013 @ $30.19 $301.90 Other Charges: Additional Uncollected Late Charges: $0.00 Uncollected Costs: $700.40 Partial Payment Balance: 0.00 TOTAL AMOUNT PAST DUE: $11,113.74 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $11,113.74, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to Bank of America, N.A. at P.O. Box 15222 Wilmington, DE 19886-5222 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the. lender intends to exercise its riahts to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorneys' fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) 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 Sheriff's Sale. You may do so by payina the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sherifrs Sale as specified in writina by the lender and by performing any other requirements under the mortgage Curing your default in the manner set forth in this notice will restore your mortgage to the ��r� same position as if you had never defaulted. HM EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgage property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriff's 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 or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Bank of America, N.A. Address: PO Box 5170 Simi Valley, CA 93062 -5170 Phone Number: 800 - 669 -0102 Fax Number: 1- 800 - 520 -5019 Contact Person: General Collections E -Mail Address: correspondencesupport@bankofamerica.com This is not a secure email address; privacy is limited. Accordingly, confidential information, including account informa ton and personallyidentifiable information should not be transmitted by this non - encrypted email. If you prefer to send confidential informationvia e-mail, please contact us at the telephonenumber above, and we will arrangefor an encrypted method of communication. EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO 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. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. 2271908086 HEMAP Consumer Credit Counseling Agencies FRANKLIN County Repoet last updated: 03/12/2013 11:09 AM Advantage Credit Counseling Service /CCCS of Western PA Advantage Credit Counseling Service /CCCS of Western PA 2000 Linglestown Road 55 Clover Hill Road Harrisburg, PA 17102 Dallastown, PA 17313 888 -511-2227 888 -511 -2227 Community Action Commission of Capital Region Housing Alliance of York/Y Housing Resources 1514 Derry Street 290 West Market Street Harrisburg, PA 17104. York, PA 17401 717- 232 -9757 717- 855 -2752 Maranatha PathStone Corporation 43 Philadelphia Avenue 450 Cleveland Ave Waynesboro, PA 17268 Chambersburg, PA 17201 717 - 762 -3285 717 - 264 -5913 PA Interfaith Community Programs Inc 40 E High Street Gettysburg, PA 17325 717 - 334 -1518 M -1 2271908086 HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated: 03/12/2013 11:09 AM Advantage Credit Counseling Service /CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road' 1514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888 -511 -2227 717- 232 -9757 Housing Alliance of York/Y Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York, PA 17401 Waynesboro, PA 17268 717 -855 -2752 717 - 762 -3285 PathStone Corporation PathSlone Corporation 1625 North Front St 450 Cleveland Ave Harrisburg, PA 17102 Chambersburg, PA 17201 717 -234 -6616 717 -264 -5913 PA Interfaith Community Programs Inc PHFA 40 E High Street 211 North Front Street Gettysburg, PA 1.7325 Harrisburg, PA 1.71.1.0 717- 334 -1518 717 - 780 -3940 800 - 342 -2397 2271908086 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: httn:// 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 PERSON NEUSERVICEMEMBERS 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. 2271908086 DIVULGACIONES IMPORTANTES Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneraci6n de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudaci6n, una demanda de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no est6 obligado(a) a hablar de su pr6stamo para vivienda con nosotros ni a participar en un programa de modificaci6n de pr6stamos u otro programa de asistencia 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 pr6stamo para vivienda estb obligado por ley a informarle a usted que esta comunicaci6n proviene de un cobrador de deudas. Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su pr6stamo que podria resultar en la aceleraci6n de todas las cantidades adeudadas bajo el Pagar6. Como resultado, Bank of America N.A, utilizar6 compaMas, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y Landsafe Appraisal Services, Inc., para proporcionar servicios necesanos 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 lists de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento est6 disponible en el sitio de Internet: [htto:// 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 lista de cargos por correo. La lista de cargos contiene una lista completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lists completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su pr6stamo. PERSONAL MILITARI MIEMBROS DE LAS FUERZAS ARMADAS Si usted o su c6nyuge es un miembro del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios significativos al personal del servicio militar que califique incluidas protecciones contra la ejecuci6n hipotecaria as[ como tambien ayuda en la tasa de inters. Para obtener mss informaci6n y determinar su calificaci6n por favor Ilame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al 1- 877 -430 -5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al 1- 817- 685 -6491. 2271108086 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 <» [err 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 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/lender /investor), 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. We are here to help you. Please call us today. 2271108086 Hay opciones disponib les para ayudarle a Evitar la Ejecuclon Hipotecaria Liame al n6mero que aparece en la notificad6n adjunta para obtener mbs informaci6n Cuando (lame, por favor tenga a la mano la informac!6n 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 .......... . ................ ..... P ............. 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 docurnentado que atraviesa por una dificultad financiera y declarado que no tiene suficiente liquidez para hater 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 Gondiciones fisicas corno para no poder habitarse incluso si no est6 condenada. • La hipoteca, esti 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 ejecuci6n hipotecaria. Plan de Pago Un plan de pago le permite a usted hater sus pagos hipotecarios regulares, adern6s de pagar una porci6n 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 restablezea su habilidad de Tolerancia por hater los pagos requeridos. incumplimiento Modificaci6n do Una modificaci6n del pr6stamo es un cambio en los t6rmincs originales de su pr6stamo, Prdstamo Las modifiGaciones 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 condcnar una parte del saldo de capital impagado. Reclarno Parcial Si usted tiene un pr6stamo de la Administraci6n Federal de Vivienda (FHA) y sus pagos (solamente est.An vencidos, pero ahora puede hater sus pagos regulares mensuales de la hipoteca, pr6stamos do la este programa est6 disehado para que su pr6stamo este al dia mediante la creaci6n de FHA) una segunda hipoteca I gravamen sobre su propiedad por el monto que est6 vencido. 2271808086 Opciones a considerar si no puede o no desea quedarse en su casa ............ Home Affordable Diseiiado para ayudar a los prestatarios que califican para el Programa de Home Foreclosure Affordable Modification (RAMP), pero no consiguieron obtener una modificaci6n Alternatives permanente a traves del programa. HAFA ofrece la posibilidad de una venta en Program (HAFA) descubierto y, si no tiene kito, 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 prestamo (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 estA de acuerdo de transfers 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 yenta en descubierto, el prestamista acepta recibir una monto menor ejecud6n de to que actualmente se adeuda en el prestamo. Se ofrece a los prestatarios que no hipotecaria (no por califican para HAMP o para otras alternativas de 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 ejecud6n 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 traves de una vents en descubierto. Estamos aqui para ayudarle. Por favor Iliamenos hoy. MR! PO Box 9048 Temecula, CA 92589 -9048 2271911272 I 20130412 -7 MICHELLE D. WADEL 112 Pin Oak Lane Shippensburg, PA 17257 -1725 i April 12, 2013 MICHELLE D. WADEL 112 Pin Oak Lane Shippensburg, PA 1 7257 -1 725 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortaace on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached paces The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counselina Agency The names addresses and phone number of Consumer Credit Counselina Agencies servina your County are listed at the end of this Notice. If you have any auestions, you may call the Pennsylvania Housing Finance Agency toll free at 1- 800 - 342 -2397. (Persons with impaired hearing can call 1- 717 - 780 - 1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VNIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCC16N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NOMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. 2271911272 HOMEOWNER'S NAME(S): MARK A. & MICHELLE D. WADEL PROPERTY ADDRESS: 112 Pin Oak Lane Shippensburg, PA 17257 LOAN ACCT. NO.: ORIGINAL LENDER: THE WASHINGTON SAVINGS BANK CURRENT LENDERISERVICER: Bank of America, N.A. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT "), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY -THREE (331 DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED 'HOW TO CURE YOUR MORTGAGE DEFAULT". EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice It is only necessary to schedule one face-to -face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received with thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED 'TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFFS SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 112 Pin Oak Lane Shippensburg, PA 17257 IS SERIOUSLY IN DEFAULT because A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Charges: 05/01/2012 - 08/31/2012 @ $825.72 $3,302.88 09/01/2012 - 04/30/2013 @ $851.07 $6,808.56 Late Charges: 05/01/2012 - 02/28/2013 @ $30.19 $301.90 Other Charges: Additional Uncollected Late Charges: $0.00 Uncollected Costs: $700.40 Partial Payment Balance: 0.00 TOTAL AMOUNT PAST DUE: $11,113.74 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $11,113.74, PLUS ANY MORTGAGE. PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to Bank of America, N.A. at P.O. Box 15222 Wilmington, DE 19886 -5222 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attomeys' fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be reauired to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personallyfor the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) 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 Sheriff's Sale. You may do so by payina the total amount then past due, plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writina by the lender and by performing any other requirements under the mortgage Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgage property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriff's 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 or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Bank of America, N.A. Address: PO Box 5170 Simi Valley, CA 93062 -5170 Phone Number: 800 - 669 -0102 Fax Number: 1- 800 - 520 -5019 Contact Person: General Collections E -Mail Address: correspondencesupport@bankofamerica.com This is not a secure email address: privacy is limited. Accordingly, confidential information, including account information and personallyidentifiable information should not be transmitted by this non - encrypted email. If you prefer to send confidentialinformationvia e- mail, please contact us at the telephonenumber above, and we will arrangefor an encrypted method of communication. EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continueto live in the property after the Sheriff's sale, a lawsuitto remove you and your furnishings.. and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO 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. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. 2271911272 HEMAP Consumer Credit Counseling Agencies FRANKLIN County Report last updated: 03/12/1013 11:09 AM Advantage Credit Counseling Service /CCCS of Western PA Advantage Credit Counseling Service /CCCS of Western PA 2000 Linglestown Road 55 Clover Hill Road Harrisburg, PA 17102 Dallastown, PA 17313 888 -511 -2227 888 -511 -2227 Community Action Commission of Capital Region Housing Alliance of York/Y Housing Resources 1514 Derry Street 290 West Market Street Harrisburg, PA 17104 York, PA 17401 717- 232 -9757 717- 855 -2752 Maranatha PathStone Corporation 43 Philadelphia Avenue 450 Cleveland Ave Waynesboro, PA 17268 Chambersburg, PA 17201 717 - 762 -3285 717 - 264 -5913 PA Interfaith Community Programs Inc 40 E High Street Gettysburg, PA 17325 717 -334 -1518 L�oBc 2271911272 HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated: 03/12/2013 11:09 AM Advantage Credit Counseling Service /CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1.514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888 -5L1 -2227 717 - 232 -9757 Housing Alliance of York/Y Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York, PA 17401 Waynesboro, PA 17268 717 -855 -2752 717- 762 -3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave Harrisburg, PA 17102 Chambersburg, PA 17201 717 -234 -6616 717 - 264 -5913 PA Interfaith Community Programs Inc PBYA 40 E High Street 211 North Front Street Gettysburg, PA 17325 Harrisburg, PA 1.71.10 717 -334 -1518 717- 780 -3940 800 - 342 -2397 2271911272 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 PERSON NELISERVICEMEMBERS 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. 2271411272 � t 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 este obligado(a) a hablar de su prestamo para vivienda con nosotros ni a participar en un programa de modificaci6n de prestamos u otro programa de asistencia para prestamos. Usted debe 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 prestamo para vivienda esta obligado por ley a informarle a usted que esta comunicaci6n proviene de un ccbrador de deudas. Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su prestamo que podra resultar en la aceleraci6n de todas las cantidades adeudadas bajo el Pagare. Como resultado, Bank of America N.A. utilizara compahlas, incluyendo sus afi liados 'LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y Landsafe Appraisal Services, Inc., para proporcionar servicios necesarios para proteger los intereses del Titular en la propiedad y sus derechos bajo el instrumento de seguridad y el pagare, incluyendo cualquiera de sus recursos (los " Servicios relacionados a un incumplimiento "). Bank of America, N.A. aplicara cargos a la cuenta de su prestamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento este disponible en el sitio de Internet: rhttp:// www, bankofamerica.com /defaulffees Si usted no tiene acceso a internet, por favor comuniquese con nosotros al 1- 800 - 669 -6607 de lunes a jueves de 8 a. m. a 11 p. m. hora del este, viernes de 8 a. m. a 9 p. m. hora del este, sabados de 9 a. m. a 3 p. m. hora del este. para pedir que se le envie una lista de cargos por correo. La lista de cargos contiene una lista completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lista completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su prestamo, 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 compwables otorgan protecciones y beneficios significativos al personal del servicio militar gue califique incluidas protecciones contra la ejecuci6n hipotecaria asi Como tambien ayuda en la tasa de interes. Para obtener mas 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. 2271911272 C3_5088 OPTAVDFC 15 31 9 0912412012 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 unti l 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 = :<:::::::;::< >- 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 servicerllender /investor), 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. 2271911272 Hay opciones disponibles para ayudarle a Evitar la Ejecucion Hipotecaria Llame al numero que aparece en la notification adjunta para obtener mas informacion Cuando (lame, por favor tenga a la mano la informacion de sus ingresos y gastos Para que podamos discutir cuales opciones podrian funcionar Para usted. Opciones a considerar si su objetirro es permanecer en su casa r : Home Affordable Es un programa del gobierno federal que le permite pagar el prestamo bajo los nuevos Modification terminos acordados, que pueden incluir la reducci6n de la tasa de interes, agregar Program (HAM P) cantidades vencidas al final del prestamo, y/o extender el plazo del prestamo. Usted puede calificar pars este programa si cumple con los siguientes requisitos: • La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750 d6lares para una vivienda unifamiliar, $934,200 d6lares para una propiedad de 2 unidades, $1,129,250 d6lares para una propiedad de 3 unidades o $1,403,400 para una propiedad de 4 unidades • Usted ha documentado que atraviesa por una dificultad financiera y declarado que no tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca. • Obtuvo su hipoteca antes del 1 de enero de 2009. • La propiedad que garantiza el prestamo hipotecario no ha sido condenada o no este en malas condiciones fisicas como para no poder habitarse incluso si no este condenada. • La hipoteca esta garantizada por una propiedad de una a cuatro unidades. Restablecimient Si usted puede poner al dia los pagos de su prestamo, aceptaremos los fondos necesarios o del Prestamo para que el prestamo este al dia hasta la fecha de la venta por ejecuci6n 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 traves del tiempo. Esto puede incluir capital, interes, cargos o costos aplicados a su prestamo. Acuerdo Es un acuerdo en el cual aceptamos no proceder con la 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 prestamo es un cambio en los termincs originales de su prestamo, Prestamo Las modificaciones podrian incluir reducir su tasa de interes, extender el termino o la fecha (no por medio de pago del prestamo, cambiar de un prestamo de tasa de interes ajustable a uno de tasa de HAMP) de interes fija, diferir una parte del saldo del capital impagado al final del prestamo, y/o condonar una parte del saldo de capital impagado. Reclamo Parcial Si usted tiene un prestamo de la Administraci6n Federal de Vivienda (FHA) y sus pagos (solamente esten vencidos, pero ahora'puede hacer sus pagos regulares mensuales de la hipoteca, pr6stamos de la este programa esta disenado para que su prestamo este al dia mediante la creaci6n de FHA) una segunda hipoteca / gravamen sobre su propiedad por el monto que este vencido. 227L411272 Opciones a considerar si no puede o no desea quedarse en su casa Home Affordable Disehado para ayudar a los prestatarios que califican para el Programa de Home Foreclosure Affordable Modification (RAMP), peso no consiguieron obtener una modificaci6n Alternatives permanente a traves del programa. HAFA ofrece la posibilidad de una venta en Program (HAFA) descubierto y, si no tiene exito, una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n 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 ejecuci6n hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria es una transacci6n en la que usted esta de acuerdo de transferir voluntariamente las escrituras de su propiedad a nosotros 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 venta 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 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 retencion 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 hater que el monto total vencido de esa hipoteca se considere como pagado. Se ofrece a hipotecaria (no por prestatarios que no califican pars HAMP u otras opciones de retencion de vivienda, y que medio de HAFA) no pudieron vender la propiedad a traves de una venta en descubierto. Estamos aqui para ayudarle. Por favor Iliarnenos hoy. I PO BOX 9048 Temecula, CA 92589 -9048 I 7196 9006 9296 6537 3286 20130412 -7 I ��I ' I MARK A. WADEL 112 Pin Oak Lane Shippensburg, PA 17257 -1725 i I 36K'i i April 12, 2013 Certified Mail: 7196 9006 9296 6537 3286 MARK A. WADEL Return Receipt Requested 112 Pin Oak Lane Shippensburg, PA 17257 -1725 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM ( HEMAP) may be able to help to save your home. This Notice explains how the program works To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency The names, addresses and ohone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice If you have any questions you may call the Pennsylvania Housing Finance Agency toll free at 1- 800 -342 -2397. (Persons with impaired hearing can call 1 -717- 780 -1869) This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICAC16N OBTENGA UNA TRADUCC16N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A RED IMIR SU HIPOTECA. 7196 9006 9296 6537 3286 HOMEOWNER'S NAME(S): MARK A. & MICHELLE D. WADEL PROPERTY ADDRESS: 112 Pin Oak Lane Shippensburg, PA 17257 LOAN ACCT. NO.: ORIGINAL LENDER: THE WASHINGTON SAVINGS BANK CURRENT LENDERISERVICER: Bank of America, N.A. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT "), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to -face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY -THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE . CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice It is only necessary to schedule one face -to -face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received with thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 112 Pin Oak Lane Shippensburg, PA 17257 IS SERIOUSLY IN DEFAULT because A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Charoes: 05/01/2012 - 08/31/2012 @ $825.72 $3,302.88 09/01/2012 - 04/30/2013 @ $851.07 $6,808.56 Late Charges: 05/0112012 - 02/28/2013 @ - $30.19 $301.90 Other Charges: Additional Uncollected Late Charges: $0.00 Uncollected Costs: $700.40 Partial Payment Balance: 0.00 TOTAL AMOUNT PAST DUE: $11,113.74 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $11,113.74, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check certified check or monev order made payable and sent to Bank of America, N.A. at P.O. Box 15222 Wilmington, DE 19886 -5222 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose uaon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attomeys' fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (301 DAY Deriod. you will not be required to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personallyfor the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) 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 Sheriff's Sale You may do so by pavina the total amount then past due plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writina by the lender and by performing any other requirements under the mortaage Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgage property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriff's 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 or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Bank of America, N.A. Address: PO Box 5170 Simi Valley, CA 93062 -5170 Phone Number: 800 -669 -0102 Fax Number: 1- 800 - 520 -5019 Contact Person: General Collections E -Mail Address: correspondencesupport@bankofamerica.com This is not a secure email address: privacy is limited. Accordingly, confidential information, including account information and personallyidentifiable information should not be transmittedby this non- encyptedemail. If you prefer to send confidential informationvia e-mail, please contact us at the telephonenumber above, and we will arrange for an encrypted method of communication. EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continueto live in the property after the Sheriff's sale, a lawsuitto remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO 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. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. 7146 9006 9296 6537 3286 HEMAP Consumer Credit Counseling Agencies FRANKLIN County Report last updated: 03/121201311:09 AM Advantage Credit Counseling Service /CCCS of Western PA Advantage Credit Counseling Service/CCCS of Western PA 2000 Linglestown Road 55 Clover Hill Road Harrisburg, PA 17102 Dallastown, PA 17313 888 -511 -2227 888 -511 -2227 Community Action Commission of Capital Region Housing Alliance of York/Y Housing Resources 1514 Derry Street 290 West Market Street Harrisburg, PA 17104 York, PA 17401 717- 232 -9757 717 - 855 -2752 Maranatha PathStone Corporation 43 Philadelphia Avenue 450 Cleveland Ave Waynesboro, PA 17268 Chambersburg, PA 17201 717- 762 -3285 717 -264 -5913 PA Interfaith Community Programs Inc 40 E High Street Gettysburg, PA 17325 717- 334 -1518 7196 9006 9296 6537 3286 HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated: 03/12/201311:09 AM Advantage Credit Counseling Service /CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888 -511 -2227 717- 232 -9757 Housing Alliance of York/Y Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York, PA 17401 Waynesboro, PA 17268 717 -855 -2752 717- 762 -3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave Harrisburg, PA 17102 Chambersburg, PA 17201 717 - 234 -6616 717 -264 -5913 PA Interfaith Community Programs Inc PHFA 40 E High Street 211 North Front Street Gettysburg, PA 17325 Harrisburg, PA 17110 717 -334 -1518 717- 780 -3940 800 - 342 -2397 7196 9006 9296 6537 3286 C3_3222_BRECDISC 15352 09/24/12 IMPORTANT DISCLOSURES If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home loan with us or enter into a loan modification or other loan- assistance program. You should consult with your bankruptcy attorney or other advisor about your legal rights and options. Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication is from a debt collector. There has been a payment default or other default on your loan that could result in acceleration of all sums due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and rights in the property and under the note and security instrument, including any remedies thereunder (the "Default Related Services "). Bank of America, N.A. will assess fees to your loan account for the Default Related Services, including those provided by its affiliates. A schedule of fees that may be charged to your account for Default- Related Services is available at the following web address: http:// www .bankofamerica.com /defauItfees If you do not have internet access, please contact us at 1- 800 - 669 -6607, Monday through Thursday 8 a.m. - 11 p.m. Eastern, Friday 8 a.m. - 9 p.m. Eastern, Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a complete list of the default - related services you could be charged, but does not include a complete list of all fees or charges that could be assessed on your loan account. MILITARY PERSONNEUSERVICEMEMBERS If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at 1- 877 - 430 -5434. If you are calling from outside the U.S. please contact us at 1- 817 - 685 -6491. 7196 9006 9296 6537 3286 DIVULGACIONES IMPORTANTES Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneraci6n de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudaci6n, una demanda de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no est6 obligado(a) a hablar de su pr6stamo para vivienda con nosotros ni a participar en un programa de modificaci6n de pr6stamos u otro programa de asistencia 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 pr6stamo para vivienda est6 obligado por ley a informarle a usted que esta comunicaci6n proviene de un cobrador de deudas. Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su pr6stamo que podria resultar en la aceleraci6n de todas las cantidades adeudadas bajo el Pagar6. Como resultado, Bank of America N.A, utilizar6 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 est6 disponible en el sitio de Internet: rhttr):// 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 lista de cargos por correo. La lista de cargos contiene una lista completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lista completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su pr6stamo. PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS Si usted o su c6nyuge es un miembro del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios significativos al personal del servicio militar que califique incluidas protecciones contra la ejecuci6n hipotecaria asi como tambi6n ayuda en la tasa de interds. Para obtener m6s informaci6n y determinar su calificaci6n por favor Ilame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al 1- 877 - 430 -5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al 1- 817- 685 -6491. 7196 9006 9296 6537 3286 ' C3_5088 OPTAVDFC 15319 09/24/2012 Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s) could work for you. Options to consider if your goal is to stay in your home Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms, Modification which may include lowering the interest rate, placing past due amounts at the end of the loan, Program (HAMP) and/or extending the term of the loan. You may be eligible for this program if you meet the following requirements: • The amount you owe on the first mortgage is equal to or less than $729,750 for a single - family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or $1,403,400 for a 4 unit property • You have documented a financial hardship and represented that you do not have sufficient liquid assets to make the monthly mortgage payments. • Your mortgage was obtained before Jan. 1, 2009. • The property securing the mortgage loan has not been condemned or is not in such poor physical condition that it is not habitable even if not condemned • The mortgage is secured by a one to four unit property Loan If you can bring your loan payments up to date, we will accept the funds needed to bring the Reinstatement loan up to date until the day of your foreclosure sale. Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay off a portion of the past due amounts over time. This may include principal, interest, fees, and /or costs assessed to your loan. Temporary An agreement whereby we agree not to proceed with foreclosure and /or collection of payments Forbearance for a period of time, to allow you to re- establish your ability to make the required payments. Agreement Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could (non -HAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving from an adjustable to a fixed -rate loan, deferring some portion of the unpaid principal balance to the end of the loan, and /or forgiving some portion of the unpaid principal balance. Partial Claim (FHA If you have a Federal Housing Administration (FHA) loan and your payments are past due but loans only) you are now able to make your regular monthly mortgage payment, this program is designed to bring your loan up to date by creating a second mortgage /lien on your property for the amount that is past due. Options to consider if you cannot or do not wish to stay in your home 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 /lender /investor), 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 c; retention alternatives, and who were not able to sell the property through a short sale. We are here to help you. Please call us today. 7196 9006 9296 6537 3286 Hay opciones disponibles para ayudarle a Evitar la Ejecucion Hipotecaria Llame al numero que aparece en la notificacion adjunta para obtener mas informacion Cuando (lame, por favor tenga a la mano la informacion 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 prostamo bajo log nuevos Modification torminos acordados, que pueden incluir la reduccibn de la tasa de interos, agregar Program (HAMP) cantidades vencidas al final del prostamo, y/o extender el plazo del prostamo. Usted puede calificar para este programa si cumple con log siguientes requisitos: • La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750 dblares para una vivienda unifamiliar, $934,200 dblares para una propiedad de 2 unidades, $1,129,250 dblares para una propiedad de 3 unidades o $1,403,400 para una propiedad de 4 unidades • Usted ha documentado que atraviesa por una dificultad financiera y declarado que no tiene suficiente liquidez para hacer log pagos mensuales de la hipoteca. • Obtuvo su hipoteca antes del 1 de enero de 2009. • La propiedad que garantiza el prostamo hipotecario no ha sido condenada o no esto en malas condiciones fisicas como para no poder habitarse incluso si no esto condenada. • La hipoteca esto garantizada por una propiedad de una a cuatro unidades. Restablecimient Si usted puede poner al dia log pagos de su prostamo, aceptaremos log fondos necesarios o del Prostamo para que el prostamo esto 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, ademos de pagar una porcibn de log montos vencidos a travos del tiempo. Esto puede incluir capital, interos, cargos o costos aplicados a su prostamo. Acuerdo Es un acuerdo en el cual aceptamos no proceder con la ejecucibn hipotecaria y/o el cobro Temporal de de log pagos por un periodo de tiempo, para permitirle que restablezca su habilidad de Tolerancia por hacer log pagos requeridos. incumplimiento Modificacidn de Una modificacibn del prostamo es un cambio en log torminos originales de su prostamo, Prostamo Las modificaciones podrian incluir reducir su tasa de interos, extender el tormino o la fecha (no por medio de pago del prostamo, cambiar de un prostamo de tasa de interos ajustable a uno de tasa de HAMP) de interos fija, diferir una parte del saldo del capital impagado al final del prostamo, y/o condonar una parte del saldo de capital impagado. Reclamo Parcial Si usted tiene un prostamo de la Administracibn Federal de Vivienda (FHA) y sus pagos (solamente estAn vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca, prestamos de la este programa esto disenado para que su prostamo este al dia mediante la creacibn de FHA) una segunda hipoteca / gravamen sobre su propiedad por el monto que esto vencido, 7196 9006 9296 6537 3286 l,t 4 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 (RAMP), pero no consiguieron obtener una modificaci6n Alternatives permanente a trav6s del programa. HAFA ofrece la posibilidad de una yenta en Program (HAFA) descubierto y, si no tiene 6xito, una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n 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 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 nosotros 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 para pagar Venta previa a la la hipoteca. En una venta 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. VERIFICATION & , it hereby states that he/ is 1 of Bank of America, N.A., 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 his19 knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. 9 A N Arij DATE: / Title: Ssi Company: Bapk of America, N.A. S & D FILE NO: 13- 043555 Mark A. Wade] and Michelle D. Wadel i� i i FORM 1 IN THE COURT OF COMMON PLEAS OF Bank of America, N.A. CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff(s) c--) r -; VS. x - M G2 Mark A. Wadel r 11 I West Orange Street ='' Shippensburg, PA 17257 ` Michelle D. Wadel �� .. �., 111 West Orange Street - Shippensburg, PA 17257 n DEFENDANTS Defendants 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 s6 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: SHAPIRO & DeNARDO, LLC Date Attorneys for Plai i 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: CUST 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-BORRO 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 ❑ •-- �`� If yes, provide names, location of court, case number & attorney Assets Amount Owed Value Home: $ $ Other Real Estate: $ $ Retirement Funds: $ $ Investments: $ $ Checking: $ $ Savings: $ $ Other: $ $ Automobile #1: Model: Year: Amount Owed: Value: Automobile #2: Model: Year: Amount Owed: Value: Other transportation (automobiles, boats, motorcycles): Model: Year: Amount Owed: Value: Monthly Income: Name of Employers: 1. 2. 3. Additional Income Description (not wages): 1. monthly amount: 2. monthly amount: Borrower Pay Days: Co- Borrower Pay Days: Monthly Expenses: (Please only include expenses you are currently paving) 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 ort/Alim. Spending Money Day /Child Care /Tuit. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income & Expenses: Have you been working with a Housing Counseling Agency? Yes ❑ No ❑ If yes, please provide the following information: Counseling Agency: Counselor: Phone (Office): Fax: 2 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 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) FORM 3 IN THE COURT OF COMMON PLEAS OF Bank of America, N.A. CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff(s) VS. Mark A. Wadel 111 West Orange Street Shippensburg, PA 17257 Michelle D. Wadel 111 West Orange Street Shippensburg, PA 17257 DEFENDANT l5� ` S 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 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: 1. 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 (21) days prior to the date of the Conciliation Conference, the defendant/borrower must serve upon the plaintiff /lender, and its counsel a copy of the "Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet" (Form 2) which has been completed by the 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 defendantiborrower'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. y 3. The defendant /borrower and counsel for the parties must attend the Conciliation Conference in person and an authorized representative of the plaintiff /lender must either attend the Conciliation Conference in person or be available by telephone during the course of the Conciliation Conference. The representative of the plaintiff /lender who participates in the Conciliation Conference must possess the actual authority to reach a mutually acceptable resolution, and counsel for the plaintiff /lender must discuss resolution proposals with the authorized representative in advance of the Conciliation Conference. If the duly authorized representative of the plaintiff /lender is not available by telephone during the Conciliation Conference, the Court will schedule another Conciliation Conference and require the personal attendance of the authorized representative of the plaintiff /lender at the rescheduled Conciliation Conference. 4. At the Conciliation Conference, the parties and their counsel shall be prepared to discuss and explore all available resolution options which shall include: bringing the mortgage current through a reinstatement; paying off the mortgage; proposing a forbearance agreement or repayment plan to bring the account current over time; agreeing to tender a monetary payment and to vacate in the near future in exchange for not contesting the matter; offering the lender a deed in lieu of foreclosure; entering into a loan modification or a reverse mortgage; paying the mortgage default over sixty months; and the institution of bankruptcy proceedings. 5. All proceedings in. this matter are stayed pending the completion of the scheduled conciliation conference. BY THE COURT J. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff(s) VS. 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 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: 13 Date [Sign ure of Couns for Plaintiff] Cumberland County Residential Mortgage Foreclosure Diversion Program Date Financial Worksheet 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: LqlAt enjonflow , .. 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 ❑ _N_ o ❑ Mailing Address (if different): City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household How Long? • :• "• ' Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Email: Cell: Other: # of people in household How Long? W1311ral IMM First Mortgage Lender: Type of Loan: Loan Number: Date You Closed Your Loan: Second Mortgage Lender: Type of Loan: Loan Number: Total Mortgage Payments Amount:$ Included Taxes & Insurance: Date of Last Payment: Primary Reason for Default: Is the Loan in Bankruptcy? Yes ❑ No ❑ If yes, provide names, location of court, case number & attorney Assets Amount Owed Value Home: $ $ Other Real Estate: $ $ Retirement Funds: $ $ Investments: $ $ Checking: $ $ Savings: $ $ Other: $ $ Automobile #1: Model: Year: Amount Owed: Value: Automobile #2: Model: Year: Amount Owed: Value: Other transportation (automobiles, boats motorcycles): Model: Year: Amount Owed: Value: Monthly Income: Name of Employers: 1. 2. 3. Additional Income Description (not wages): 1. monthly amount: 2. monthly amount: Borrower Pay Days: Co- Borrower Pay Days: Monthly Ex enses: Please only include expenses you are currentl a in EXPENSE AMOUNT EXPENSE AMOUNT Mortage Food 2" Mortgage Utilities Car Payment(s) Condo/Neigh. Fees Auto Insurance Med.(not covered) Auto fuel /repairs Other prop. Payment Install. Loan Payment Cable TV Child Su ort/Alim. — L s pending 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 ❑ No ❑ If yes, please provide the following information: Counseling Agency: Counselor: Phone (Office): Fax: 2 Email: Have you made application. for Homeowners Emergency M (HEMAP) assistance? Y ortgage Assistance program Yes 0 No ❑ If Yes, please indicate the status of the application„ Have you had any prior negotiations with your lender resolve your delinquency? or lender's loan servicing company to Yes ❑ No ❑ If yes, please indicate the status of those negotiations: Please provide the following information, if know, regarding servicing company: g ding your lender or lender's loan Lender's Contact (Name): Servicing Company hone: Contact: Y (Name): Phone: I /We, to use /refe authorize the above named r this information to my lender / servicer for the sole nancial situation for possible mortga , evaluating m fi am/are under no obligation to use the services provided by the above understand that e named Borrower Signature Date Co- Borrower Signature Date Please forward this document along with the counsel: following information tion to lender and lender's Proof of income Past 2 bank statements Proof of any expected income for the last 45 da s Copy of a current utility bill Y � Letter explaining reason for delinquency and an su (hardship letter) Y pporting documentation Listing agreement (if property is currently on the mar ket) SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson i 'it Sheriff 101 yi NIw PR0`i��" 0N0TA,t't"i l n P,(4, Jody S Smith � Chief Deputy e 2013 QI�AUG 28 AM 10:'3 7 Richard W Stewart FNCE =T� sVE irF C�IMBERLAND COUNTY solicitor .. PIiNNSYLVANIA' ' Bank of America, N.A. Case Number vs. 2013-4619 Mark A. Wadel (et al.) SHERIFF'S RETURN OF SERVICE 08/13/2013 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 112 Pin.Oak Lane, Shippensburg Township, Shippensburg, PA 17257. Residence is vacant. 08/22/2013 03:29 PM- Deputy Shawn Harrison, being duly sworn according to law, served th quested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortga F reclosure by handing a true copy to a person representing themselves to be Michael Goshorn nd, ho accepted as "Adult Person in Charge"for Michelle D. Wadel at 111 W. Orange Stre i ens urg, PA 17257. SH N H ISON, DEPUTY 08/22/2013 05:54 PM- Deputy Shawn Harrison, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mo. F re losure by "personally"handing a true copy to a person representing themselves to e e efen ant, to wit: Mark A. Wadel at 443 E. King Street Apt. B, Shippensburg, PA 17257. SH A N, DEPUTY SHERIFF COST: $126.80 SO ANSWERS, August 23, 2013 RbNW R ANDERSON, SHERIFF (U CountySuife Sheriff,Teleosoff,Inc. cJ �a c.a rn rri rn--- SHAPIRO & DeNARDO, LLC 7,4!te-- �' ---7) ? BY CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO 78447-<x- Q {=� CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 vo 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 TELEPHONE: (610)278-6800 S & D FILE NO. 13-043555 Bank of America,N.A. COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Mark A. Wadel and Michelle D. Wadel DEFENDANTS NO:13-4619 Civil PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES Enter Judgment IN REM in the amount of $100,091.66 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 $84,170.67 Interest accrued $8,235.84 Late Charges $362.28 Escrow Advances $4,790.92 Property Inspection $918.20 Property Preservation $105.00 Attorney Fees & Costs of Foreclosure $1,508.75 TOTAL B tor, $100,091.66 Aliti■rney.-for Plaintiff AND NOW,judgment is entered in favor oft' - ' .intiff and a 'nst thy Defendants and damages are assessed as above in the sum of$100,091.66. Pro. rot y. 13-043555 au.\%.VD a CL* IQ013CIR 2.4-agUAgy 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 AMY GLASS, ESQUIRE, ATTORNEY I.D. NO. 308367 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 13-043555 Bank of America,N.A. COURT OF COMMON PLEAS 400 Countrywide Way CUMBERLAND COUNTY Simi Valley, CA 93065 PLAINTIFF 13-4619 Civil VS. Mark A. Wadel and Michelle D. Wadel 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: 94413 BY: ALM VP(�MN laintiff Sworn to and subscribed AMY OLASS,bSQ. before me this day PA BAR 34636'' NJ BAR# 13662O? I Olj/rk i ,2013. wimp, 1 i iiitithkoPaikoAo. 4'• .. y Public COMMONWEALTH OF PENNSYLVANIA Notarial Seal Andrea Madden,Notary Public Upper Merion Twp.,Montgomery County My Commission Expires June 19,2016 MEMBER,PENNSYLVANIA ASSOCIATION OF NOTARIES Results as of:Sep-27-2013 05:33:44 Department of Defense Manpower Data Center SCRA 3,0 ? & " Status Report Pursuant to Service/members Civil Relief Act Last Name: WADEL First Name: MARK Middle Name: Active Duty Status As Of: Sep-27-2013 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 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 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. Ovutit ` F f r Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 r"The Defense Manpower Data Center(DMDC)is an organization of the Department of Defense(DoD)that maintains the Defense Enrollment and Eligibility Reporting System(DEERS)database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act(50 USC App.§501 et seq,as amended)(SCRA)(formerly known as the Soldiers'and Sailors'Civil Relief Act of 1940). DMDC has issued hundreds of thousands of"does not possess any information indicating that the individual is currently on active duty"responses,and has experienced only a small error rate. In the event the individual referenced above,or any family member,friend,or representative asserts in any manner that the individual was on active duty for the active duty status date,or is otherwise entitled to the protections of the SCRA,you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil"URL:http://www.defenselink.mil/faq/pis/PC09SLDR.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: J4Y9TD4BLOE2U90 - Results as of:Sep-27-2013 05:34:13 Department of Defense Manpower Data Center SCRA 3.0 ark �v z d6 Status Report Pursuant to Sery a ernemrnbers Civil Relief Act Last Name: WADEL First Name: MICHELLE Middle Name: Active Duty Status As Of: Sep-27-2013 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 Lett 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 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. &Alt 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. 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/PCO9SLDR.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: K42ATDABDOE2Q00 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. 13-043555 Bank of America, N.A. COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY VS. NO: 13-4619 Civil Mark A. Wadel and Michelle D. Wadel 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, September 13, 2013 to the following Defendants: Mark A. Wadel, 443 E. King Street, Apt. B, Shippensburg, PA 17257 Michelle D. Wadel, 111 W. Orange Street, Shippensburg, PA 17257 Abi Sheen. ! n er, Legal ssistant to Christopher A. DeNardo, Esquire for Shapiro & DeNardo, LLC SHAPIRO & DeNARDO, LLC r, 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. 13-043555 Bank of America,N.A. COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY VS. NO: 13-4619 Civil Mark A. Wadel and Michelle D. Wadel DEFENDANTS NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. 237.1 IMPORTANT NOTICE TO: Mark A. Wadel DATE OF NOTICE: September 13, 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 ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. , NOTIFICACION IMPORTANTE Usted se encuentra en estado de rebeldia por no haber tornado la accion requirida de su parte en este caso. Al no tomar la accion debida dentro de un termino de diez (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 llevar esta notificacion a un abogado immediatamente. Si usted no tiene abogado o si no tiene dinero suficiente para tal servicio, vaya en persona o llame por telefono a la oficina cuya direccion 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 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 WHOM RULE 237.1 NOTICE SENT TO: Mark A. Wadel, 443 E. King Street, Apt. B, Shippensburg, PA 17257 Michelle D. Wadel, 111 W. Orange Street, Shippensburg, PA 17257 SHAPIRO & DeNARDO, LLC Date: a) 6 143 BY: �, At , eys for IAA rn aintiff • 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. 13-043555 Bank of America,N.A. COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY VS. NO: 13-4619 Civil Mark A. Wadel and Michelle D. Wadel DEFENDANTS NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. 237.1 IMPORTANT NOTICE TO: Michelle D. Wadel DATE OF NOTICE: September 13, 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 ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. • NOTIFICACION IMPORTANTE Usted se encuentra en estado de rebeldia por no haber tornado la accion requirida de su parte en este caso. Al no tomar la accion debida dentro de un termino de diez (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 llevar esta notificacion a un abogado immediatamente. Si usted no tiene abogado o si no tiene dinero suficiente para tal servicio, vaya en persona o llame por telefono a la oficina cuya direccion 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 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 WHOM RULE 237.1 NOTICE SENT TO: Mark A. Wadel, 443 E. King Street, Apt. B, Shippensburg, PA 17257 Michelle D. Wadel, 111 W. Orange Street, Shippensburg, PA 17257 SHAPIRO & DeNARDO, LLC Date: )61 j J BY: Iv ,al A • eys for P1Yntiff 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 TELEPHONE: (610)278-6800 S & D FILE NO. 13-043555 Bank of America, N.A. COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Mark A. Wadel and Michelle D. Wadel DEFENDANTS NO:13-4619 Civil 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: Mark A. Wadel, 443 E. King Street, Apt. B, Shippensburg, PA 17257 Michelle D. Wadel, 111 W. Orange Street, Shippensburg, PA 17257 Date Mailed: 9' )7'6 SHAPIR• : DeNARDO, LLC Date: � o9 BY: ` A orney for Plaintiff AMY GLASS, ESQ. PA BAR 010836' ''1J BAR 0 138620' 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 TELEPHONE: (610)278-6800 S & D FILE NO. 13-043555 Bank of America, N.A. COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Mark A. Wadel and Michelle D. Wadel DEFENDANTS NO:13-4619 Civil CERTIFICATION OF ADDRESS I hereby certify that the correct address of the judgment creditor(Plaintiff) is: Bank of America,N.A. c/o Bank of America 400 Countrywide Way Simi Valley, CA 93065 and that the last known addresses of the judgment debtors (Defendants) are: Mark A. Wadel 443 E. King Street Apt. B Shippensburg, PA 17257 Michelle D. Wadel 111 W. Orange Street Shippensburg, PA 17257 • P ' . : DeN• 'DO, LLC � Date: � d? BY: • ttorneys or Plaintiff 13-043555 AMY GLASS, ESQ. PA BAR# 30836 vtT BAR # 1386201+' 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: Mark A. Wadel 443 E. King Street Apt. B Shippensburg, PA 17257 Bank of America, N.A. COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Mark A. Wadel and Michelle D. Wadel DEFENDANTS NO: 13-4619 Civil 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. 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: Michelle D. Wadel 111 W. Orange Street Shippensburg, PA 17257 Bank of America, N.A. COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Mark A. Wadel and Michelle D. Wadel DEFENDANTS NO: 13-4619 Civil 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. -I:). live.L.L. Prothonotary 1.7) [XX] Judgment by Default [ ] Judgment for Possession [ ] Judgment on Award of Arbitration 4q/c %1/3 [ ] 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 () Other Bank of America,N.A. File No. , t 9 PLAINTIFF Amount Due $100,091.66 Interest September 24, 2013 to Mat9h 5., _ 2014 is $2,961.22 vs. Atty's Comm ctit Costs 20 — cn Mark A. Wadel and Michelle D. Wadel r-= DEFENDANT(S) 3>(-) ` ' TO THE PROTHONOTARY OF THE SAID COURT: —yc `-;` The undersigned hereby certifies that the below does not arise out of a retail installment sd, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon the following described property of the defendant(s) See attached Legal Description PRAECIPE FOR ATTACHEMENT EXECUTION Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s). (Indicate) Index this writ against the garnishee(s) as a I'. : dens a.-'ast real estate of the defendant(s) described in the attached exhibit. Date: g?"13 Signatur Allbg, ' Print Name: Am �'`�� uire Address: 36(0 Horizo Drive, Suite 150 SDr �V S T K : Attorney for: Plaiinntiff of P r.ssia, PA 19406 41t 1 a ,$p Supreme Court ID #PA Bar# 308367 103.-5 11 • s.ss Ctl-hl 4Z33.35 h/ C. , sow C4 / o/ wp at Qom I°I jOr(27/e7(PLA9414 ALL the following described parcels of ground, with improvements erected thereon, lying and being situate in Shippensburg(formerly of Southampton Township)Township, Cumberland County, Pennsylvania, bounded and described as follows:- Tract No. 1: BEGINNING at an iron pin at that Southern side of Pin Oak Lane; thence along the Southern side of Pin Oak Lane North 26 degrees East 90 feet to an iron pin; thence along Lot No. 13, Section E, South 64 degrees East 135 feet to an iron pin; thence along Lot No. 12, Section E, South 26 degrees West 90 feet to an iron pin; thence along Lot No. 9, Section E, North 64 degrees West 135 feet to an iron pin at the place of BEGINNING; BEING Lot No.. 11, Section E, in Mountain View Addition as laid out by John Howard McClellan, R. S., dated May, 1963. Plan Book 18-22. Tract No. 2: BEGINNING at an iron pin at the Eastern edge of Pin Oak Lane; thence along Lot No. 11, Section E, now or formerly owned by Ned R. Fogelsonger and Cheryl M. Fogelsonger, South 64 degrees East 135 feet to an iron pin; thence along Lot No. 10, Section E, South 26 degrees West 45 feet to an iron pin; thence through Lot No. 9, Section E, North 64 degrees West 135 feet to an iron pin at the eastern edge of Pin Oak Lane; thence along eastern edge of Pin Oak Lane North 26 degrees East 45 feet to the iron pin at the place of BEGINNING; BEING the Northern half of Lot No. 9, Section E in the Revised Mountain View Addition, surveyed by John Howard McClellan, C. S., dated May, 1963. Plan Book 18-22. PARCEL No. 36-35-2385-014 BEING the same premises which Jeffrey Lynn Keating and Sandra M. Keating, husband and wife, by Deed dated July 22, 2004 and recorded July 26, 2004 in the Cumberland County Recorder of Deeds Office in Deed Book 264, page 1615, granted and conveyed unto Mark A. Wadel and Michelle D. Wadel, husband and wife. SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, m n ESQUIRE, ATTORNEY I.D. NO. 78447 cz CAITLIN M. DONNELLY, ESQUIRE, ��z'o_ ATTORNEY I.D. NO. 311403 <CD KASSIA FIALKOFF, ESQUIRE, ATTORNEY I.D. NO. 310530 D cs `a AMY GLASS, ESQUIRE, ATTORNEY C;, ' I.D. NO. 308367 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 13-043555 Bank of America, N.A. COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Mark A. Wadel and Michelle D. Wadel DEFENDANTS NO: 13-4619 Civil AFFIDAVIT PURSUANT TO RULE 3129.1 Bank of America, N.A., 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 112 Pin Oak Lane, Shippensburg, PA 17257. 1. Name and address of Owner(s) or Reputed Owner(s) Mark A. Wadel 443 E. King Street Apt. B Shippensburg, PA 17257 Michelle D. Wadel 111 W. Orange Street Shippensburg, PA 17257 2. Name and address of Defendants in the judgment: Mark A. Wadel 443 E. King Street Apt. B Shippensburg, PA 17257 Michelle D. Wadel 111 W. Orange Street Shippensburg, PA 17257 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Bank of America, N.A. 400 Countrywide Way Simi Valley, CA 93065 4. Name and address of the last recorded holder of every mortgage of record: Bank of America, N.A. 400 Countrywide Way Simi Valley, CA 93065 Farmers and Merchants Trust Company of Chambersburg 20 South Main Street Chambersburg, PA 17201 5. Name and address of every other person who has any record lien on the property: 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 112 Pin Oak Lane Shippensburg, PA 17257 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. S 'A IR• : DeN' ' •O, LLC BY: Amy lass, 'squire 13-043555 AMY GLASS, ESQ. PA BAR# 30836 "1,1 BAR # 13862010 SHAPIRO & DeNARDO, LLC t) r, BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 Y CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 m v, :-- KASSIA FIALKOFF, ESQUIRE, ATTORNEY I.D. NO. 310530 -ti AMY GLASS, ESQUIRE, ATTORNEY I.D. NO. 308367 o t_` ' 3600 HORIZON DRIVE, SUITE 150 ==u' KING OF PRUSSIA, PA 19406 z `�- TELEPHONE: (610)278-6800 > ' S & D FILE NO. 13-043555 K Bank of America, N.A. COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Mark A. Wadel and Michelle D. Wadel DEFENDANTS NO: 13-4619 Civil NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Mark A. Wadel 443 E. King Street Apt. B Shippensburg, PA 17257 Your house (real estate) at: 112 Pin Oak Lane, Shippensburg, PA 17257 36-35-2385-014 is scheduled to be sold at Sheriffs Sale on March 5, 2014 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00AM to enforce the court judgment of$100,091.66 obtained by Bank of America, N.A. 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 Bank of America, N.A. 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 maybe 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. 13-043555 ALL the following described parcels of ground, with improvements erected thereon, lying and being situate in Shippensburg(formerly of Southampton Township)Township, Cumberland County, Pennsylvania, bounded and described as follows:- Tract No. 1: BEGINNING at an iron pin at that Southern side of Pin Oak Lane; thence along the Southern side of Pin Oak Lane North 26 degrees East 90 feet to an iron pin; thence along Lot No. 13, Section E, South 64 degrees East 135 feet to an iron pin; thence along Lot No. 12, Section E, South 26 degrees West 90 feet to an iron pin; thence along Lot No. 9, Section E, North 64 degrees West 135 feet to an iron pin at the place of BEGINNING; BEING Lot No.. 11, Section E, in Mountain View Addition as laid out by John Howard McClellan, R. S., dated May, 1963. Plan Book 18-22. Tract No. 2: BEGINNING at an iron pin at the Eastern edge of Pin Oak Lane; thence along Lot No. 11, Section E, now or formerly owned by Ned R. Fogelsonger and Cheryl M. Fogelsonger, South 64 degrees East 135 feet to an iron pin; thence along Lot No. 10, Section E, South 26 degrees West 45 feet to an iron pin; thence through Lot No. 9, Section E,North 64 degrees West 135 feet to an iron pin at the eastern edge of Pin Oak Lane; thence along eastern edge of Pin Oak Lane North 26 degrees East 45 feet to the iron pin at the place of BEGINNING; BEING the Northern half of Lot No. 9, Section E in the Revised Mountain View Addition, surveyed by John Howard McClellan, C. S., dated May, 1963. Plan Book 18-22. PARCEL No. 36-35-2385-014 BEING the same premises which Jeffrey Lynn Keating and Sandra M. Keating, husband and wife, by Deed dated July 22, 2004 and recorded July 26, 2004 in the Cumberland County Recorder of Deeds Office in Deed Book 264, page 1615, granted and conveyed unto Mark A. Wadel and Michelle D. Wadel, husband and wife. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO. 13-4619 Civil COUNTY OF CUMBERLAND) CIVIL ACTION—LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due BANK OF AMERICA,N.A. Plaintiff(s) From MARK A. WADEL AND MICHELLE D. WADEL (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: $100,091.66 L.L.: $.50 Interest FROM SEPTEMBER 24,2013 TO MARCH 5,2014 IS$2,961.22 Atty's Comm: Due Prothy: $2.25 Atty Paid: $275.55 Other Costs: Plaintiff Paid: Date: 9/30/13 David D. Buell, Prothonota (Seal) d, Deputy REQUESTING PARTY: Name: AMY GLASS,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.308367 SHAPIRO & DeNARDO, LLC r E 10Pi0 T BY: CHRISTOPHER A. DeNARDO, ESQUIRE, " FEB FED' !2 3+ B� ATTORNEY I.D. NO. 78447 LIMI8 la CAITLIN M. DONNELLY, ESQUIRE, PEN s A.ND UN r 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. 13-043555 Bank of America, N.A. COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Mark A. Wadel and Michelle D. Wadel DEFENDANTS NO:13-4619 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, Bank of America, N.A., 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 January 22, 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. Thee undersigned understands that the statements herein are subject to the penalties provided by 18 P.S. Section 4904. SHAPIRO &DENARDO LLC Date: By: 7 v f M41an illiams Legal Assistant 13-043555 y Z n LL uoilewiguoD 3injuOiS W �l1 N d uoiTUuiIi� OD Mani aQ Q D O M �LL I— O c C H aNO O � NOO �- C O •�.a�� C E cu l IC w N Q N T N C1 U � a � a d m� (j) � m CLI m U x a a m E c y@ 0 Em� w�c� Co�mDOm a m cnNm � � LL g m o o m r a ` Y,Y ao — N m C d YJ m C L �� Q O a) o y`g8 cu of Q U U U � 0 0 a a oNc w Q 0 a � ❑❑❑❑ U U G E ui o �ami U H � o Z € o y pp N N > N O O U Z U d A U d p p E -D N o v c L b a cc. G d o n o ��-'� ncxdpa OOHwN a 7A aCi y O OA in ❑❑❑❑❑ a z• 0 S N Q d•E E O m ti V U U wU° U H : vii am� c= x o EL N d N U_ N ' o o 0 �a E m O Z > a O N E ~x o d Z N U o inw r 2 3 N Q y Q a v li �z ti ti a q o M co v aU v� ' M ow Q E c O w > M Z_.0 ti E (D r: 3 N 10 Z Ln M C., ti N M 7 lA CD f� 00 F-J d Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY C7FF ^„Of'TF E$KFRIFF 2J1 4 APR 10 PH 2:29 CUMBERLAND COUNTY PENNSYLVANIA Bank of America, N.A. vs. Mark A. Wadel (et al.) Case Number 2013 -4619 SHERIFF'S RETURN OF SERVICE 01/03/2014 03:41 PM - Deputy Dawn Kell, 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 112 Pin Oak Lane, Southampton - Township, Shippensburg, PA 17257, Cumberland County. 01/03/2014 07:38 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: Mark A. Wadel at 443 E. King Street Apt. B, Shippensburg, PA 17257, Cumberland County. 01/06/2014 10:46 AM - Deputy Shawn Gutshall, 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: Michelle D. Wadel at 111 W. Orange Street, Shippensburg, PA 17257, Cumberland County. 03/12/2014 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 on March 12, 2014 at 10:00 a.m. He sold the same for the sum of $ 1.00 to Attorney Christopher Denardo, on behalf of, Bank of America, N.A., being the buyer in this execution, paid to the Sheriff the sum of $ SHERIFF COST: $1,252.51 SO ANSWERS, March 19, 2014 (c) c untySure Sheriff, T'eleosott, inc. RONIVR ANDERSON, SHERIFF 4'9 Utz - . /ad ee a 9.S—/S AY-ft 30`/3,11w On November 20, 2013 the Sheriff levied upon the defendant's interest in the real property situated in Southampton Township, Cumberland County, PA, Known and numbered as, 112 Pin Oak Lane, Shippensburg, as Exhibit "A" filed with this writ and by this Reference incorporated herein. Date: November 20, 2013 By: Comet I c---� Real Estate Coordinator :01V t d3S Nil 100 Ch`1 12330100 3312i3NS Tril. 30 331330 LXIII 4 CUMBERLAND LAW JOURNAL 01/24/14 Writ No. 2013 -4619 Civil Term Bank of America, N.A. vs. Mark A. Wadel Michelle D. Wadel Atty.: Christopher DeNardo ALL the following described par- cels of ground, with improvements erected thereon, lying and being situate in Shippensburg (formerly of Southampton Township) Township, Cumberland County, Pennsylvania, bounded and described as follows: - Tract No. I: BEGINNING at an iron pin at that Southern side of Pin Oak Lane; thence along the Southern side of Pin Oak Lane North 26 degrees East 90 feet to an iron pin; thence along Lot No. 13, Section E, South 64 degrees East 135 feet to an iron pin; thence along Lot No. 12, Section E, South 26 degrees West 90 feet to an iron pin; thence along Lot No.9, Section E, North 64 degrees West 135 feet to an iron pin at the place of BEGINNING; BEING Lot No .. 11, Section E, in Mountain View Addition as laid out by John Howard McClel- lan, R. S., dated May, 1963. Plan Book 18 -22. Tract NO.2: BEGINNING at an iron pin at the Eastern edge of Pin Oak Lane; thence along Lot No. II, Section E, now or formerly owned by Ned R. Fogelsonger and Cheryl M. Fo- gelsonger, South 64 degrees East 135 feet to an iron pin; thence along Lot No. 10, Section E, South 26 degrees West 45 feet to an iron pin; thence through Lot No.9, Section E, North 64 degrees West 135 feet to an iron pin at the eastern edge of Pin Oak Lane; thence along eastern edge of Pin Oak Lane North 26 degrees East 45 feet to the iron pin at the place of BEGINNING; BEING the Northern half of Lot No.9, Section E in the Revised Moun- tain View Addition, surveyed by John 78 Howard McClellan, C. S., dated May, 1963. Plan Book 18 -22. PARCEL No. 36 -35- 2385 -014. BEING the same premises which Jeffrey Lynn Keating and Sandra M. Keating, husband and wife, by Deed dated July 22, 2004 and recorded July 26, 2004 in the Cumberland County Recorder of Deeds Office in Deed Book 264, page 1615, granted and conveyed unto Mark A. Wadel and Michelle D. Wadel, husband and wife. A 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: January 24, January 31, and February 7, 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. Lisa Marie Coyne, Edjitor SWORN TO AND SUBSCRIBED before me this 7 day of February, 2014 NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BOROUGH, CUMBERLAND COUNTY My Commission Expires Apr 28, 2014 The Patriot -News Co. 2020 Technology Pkwy Suite 300 Mechanicsburg, PA 17050 Inquiries - 717 - 255 -8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 the patriotXews Now you know 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. -'I 7'f1C. i{aua�au 203 -4619 Civil Term µado.rd Batik of Americ N.A. Iureoaq Is otho3 Mark A. Wadel adoid Michelle D. Wadel lo'' Atty: Christopher Denardo �;no: ALL the following described parcels `•ouI of ground, with improvements isle erected thereon, lying and being roj situate,in Shippensburg (formerly of °1d Southampton Township) Township, )us Cumberland County, Pennsylvania, DQ bounded and described as follows: - Tract No. I: BEGINNING at an iron IqI pin at that Southern side of Pin Oak r Lane; thence along the Southern side of Pin Oak Lane North 26 degrees East 90 feet to an iron pin; thence along Lot No. 13, Section E, South '. 64 degrees EastN13S fr L. o an iron pin; thence along Lot No.12, Section E, South 26 degrees West 90 feet to a., iron nirr thence alone Lot No.9, This ad ran on the date(s) shown below: 01/19/14 01/26/14 02/02/14 t• and subscribed befor 8 day of F =brua , 2014 A.D. u COMMONWEALTH OF PENNSYLVANIA Notarial Seal Holly Lynn Warfel, Notary Public Washington Twp., Dauphin County My Commission Expires Dec. 12, 2016 MEMBER. PENNSYLVAN,A ASSOCIATION OF NOTARIE.'' 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 Bank of America, N.A. is the grantee the same having been sold to said grantee on the 12th day of March A.D., 2014, under and by virtue of a writ Execution issued on the 30th day of September, A.D., 2013, out of the Court of Common Pleas of said County as of Civil Term, 2013 Number 4619, at the suit of Bank of America, N.A. against Mark A. Wadel and Michelle D. Wadel is duly recorded as Instrument Number 201407353. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal of said office this IOI April , A.D. oO/ ( f day of I �ia�u i GO.J2)14.021 / oc Recorder. of Deeds Recorder of Deeds, Cumberland County, Carlisle, PA My Commission Expires the First Monday of Jan. 2018