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HomeMy WebLinkAbout13-5603 Supreme Court of Pennsylvania Court of Common. Pleas For Prothonotary Use Only: Civil Cover: Sheet Docket No: CUMBERLAND County D 13 03 &v 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 bylaw or rules of court. Commencement of Action: S F1 Complaint © Writ of Summons El Petition E Transfer from Another Jurisdiction 0 Declaration of Taking C Lead Plaintiff s Name: U, S . BANK NATIONAL Lead Defendant's Name: ASSOCIATION.AS TRUSTEE FOR THE PENNSYLVANIA BRET M. HEMMINCER T Dollar Amount Requested: within arbitration limits I Are money damages requested? Yes No O (check one) Eoutside arbitration limits N Is this a Class Action Suit? M Yes R No Is this an MDJAppeal? Yes l No A Name of Plaintiff /Appellant's Attorney: Leon P. Haller / Jill M. Wineka El Check here if you have no attorney (are a Self - .Represented [Pro Sel Litigant) Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS El Intentional 0 Buyer Plaintiff Administrative Agencies Malicious Prosecution El Debt Collection: Credit Card El Board of Assessment F1 Motor Vehicle 0 Debt Collection: Other E] Board of Elections F1 Nuisance 0 Dept. of Transportation S (] Premises Liability Statutory Appeal: Other Product Liability (does not include E mass tort) 0 Employment Dispute: Q Slander/Libel/ Defamation Discrimination C Other: 0 Employment Dispute: Other 0 Zoning Board T Other: I 0 Other: O MASS TORT [I Asbestos N E] Tobacco ©. Toxic Tort - DES E] Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS Toxic Waste 0 Other: El Ejectment [3 Common Law /Statutory Arbitration B El Eminent Domain /Condemnation Q Declaratory Judgment El Ground Rent E] Mandamus Landlord /Tenant Dispute Non - Domestic Relations Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABLITY El Mortgage Foreclosure: Commercial Quo Warranto El Dental E] Partition El Replevin Legal 0 Quiet Title 0 Other: E] Medical Other: Q Other Professional: Updated 1/1/2011 - lLt 0 - FFICE P , 1 r`E;: 0TlI0.1 -io ta i, Leon P. Haller, Esquire Purcell, Krug & Haller 25 1719 North Front Street C: ?L,� P��D Harrisburg, PA 17102 �, 717.234.4178 mtg @pkh.com U.S. BANK NATIONAL ASSOCIATION, AS IN THE COURT OF COMMON PLEAS TRUSTEE FOR THE PENNSYLVANIA HOUSING OF CUMBERLAND COUNTY, PENNSYLVANIA FINANCE AGENCY Plaintiff CIVIL ACTION - LAW VS. ACTION OF MORTGAGE FORECLOSURE BRET M. HEMMINGER AND / JENNA M. HEMMINGER �~� 5 7 6 0 - 3 Defendants THIS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTINGTO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. 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 the 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 claim in the Complaint of 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. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717 -249 -3166 AVISO LE HAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA DEMANDA Y AVISO. PARA DEFENDERSE ES NECESSARIO QUE USTED, O SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU PA.RTICIPACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATEAMENTE. SI NO CONOCE A UN ABOGADO, LLAME AL "LAWYER REFERENCE SERVICE" (SERVICIO DE REFERENCIA DE ABOGADOS), (215) 238 -6300. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET �' 3 - a4 CARLISLE, PA 17013 G /��� ?f 717- 249 -3166 U.S. BANK NATIONAL ASSOCIATION, AS IN THE COURT OF COMMON PLEAS TRUSTEE FOR THE PENNSYLVANIA HOUSING CUMBERLAND COUNTY, PENNSYLVANIA FINANCE AGENCY, Plaintiff CIVIL ACTION LAW vs. ACTION OF MORTGAGE FORECLOSURE BRET M. HEMMINGER AND JENNA M. HEMMINGER, Defendants THE FOLLOWING NOTICE IS BEING PROVIDED PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. 1601 The undersigned attorney is attempting to collect a debt owed to the Plaintiff, and any information obtained will be used for that purpose. The amount of the debt is stated in this Complaint. Plaintiff is the creditor to whom the debt is owed. Unless the Debtor, within thirty (30) days after your receipt of this notice disputes the validity of the aforesaid debt or any portion thereof owing to the Plaintiff, the undersigned attorney will assume that said debt is valid. If the Debtor notifies the undersigned attorney in writing with the said thirty (30) day period that the aforesaid debt, or any portion thereof, is disputed, the undersigned attorney shall obtain written verification of the said debt from the Plaintiff and mail same to Debtor. Upon written request by Debtor to the undersigned attorney within said thirty (30) day period, the ,undersigned attorney will provide debtor with the name and address of the original creditor if different from the current creditor. PURCELL, KRUG & HALLER 1719 North Front Street Harrisburg, PA 17102 (717) 234 -4178 Attorney I.D.# 15700 Attorney for Plaintiff U.S. BANK NATIONAL ASSOCIATION, AS IN THE COURT OF COMMON PLEAS TRUSTEE FOR THE PENNSYLVANIA HOUSING CUMBERLAND COUNTY, PENNSYLVANIA FINANCE AGENCY, Plaintiff CIVIL ACTION - LAW VS. ACTION OF MORTGAGE FORECLOSURE BRET M. HEMMINGER AND JENNA M. HEMMINGER, Defendants COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, pursuant to a Trust Indenture dated as of April 1, 1982 and as amended by Supplemental Indenture of Trust dated March 1, 2007, is acting through the Pennsylvania Housing Finance Agency ( "Agency "), its appointed Limited Power of Attorney, with an address of 211 North Front Street, Harrisburg, Pennsylvania 17101. The Limited Power of Attorney executed October 4, 2006 between the Plaintiff and the Agency is recorded in the Recorder of Deeds Office of the within County and Commonwealth on October 11, 2006 in Book 731, Page 421. The Limited Power of Attorney is incorporated herein by reference pursuant to Pa.R.C.P. 1019(g). 2. Defendants, BRET M. HEMMINGER and JENNA M. HEMMINGER, are adult individuals whose last known address is 7 WILLIAM PENN DRIVE, CAMP HILL, PA 17011. 3. On or about, March 26, 2007, the said Defendants executed and delivered a Mortgage Note in the sum of $132,700.00 payable to MEMBERS 1 ST FEDERAL CREDIT UNION, which Note is attached hereto and marked Exhibit "A ". 4. Contemporaneously with and at the time of the execution of the aforesaid Mortgage Note, in order to secure payment of the same, Defendants made, executed, and delivered to original Mortgagee, a certain real estate Mortgage which is recorded in the Recorder of Deeds Office of the within County and Commonwealth on March 30, 2007 in Mortgage Book 1986, Page 4924 conveying to original Mortgagee the subject premises. The Mortgage was subsequently assigned to PENNSYLVANIA HOUSING FINANCE AGENCY and was recorded in the aforesaid County on April 3, 3007 in Book 735, Page 3122. The Mortgage was further assigned to U.S. BANK, NATIONAL ASSOCIATION, TRUSTEE FOR PENNSYLVANIA HOUSING FINANCE AGENCY and was recorded in the aforesaid County on June 26, 2013 as Instrument Number 201321049. The said Mortgage and Assignments are incorporated herein by reference. 5. The land subject to the Mortgage is: 7 WILLIAM PENN DRIVE, CAMP HILL, PA 17011 and is more particularly described in Exhibit `B" attached hereto. 6. The said Defendants are the real owners of the property. 7. The Mortgage is in default due to the fact that Mortgagors have failed to pay the installment due on February 01, 2013 and all subsequent installments thereon, and the following amounts are due on the Mortgage: UNPAID PRINCIPAL BALANCE $121,602.23 Interest at $19.84 per day $5,416.32 From 01 /01 /2013 To 10 /01 /2013 ( based on contract rate of 5.8750 %) Late Charges $39.25 $314.00 From 02/01/2013 to 10/01/2013 Escrow Deficit $980.48 Attorney's Fee at 5% of Principal Balance $6,080.11 TOTAL $134,393.14 "Together with interest at the per diem rate noted above after October 01, 2013 and other charges and costs to date of Sheriff's Sale. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff's Sale. If the Mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged that are actually incurred by Plaintiff. 8. The Plaintiff has complied with the notice procedures required by Pennsylvania Act 160 of 1998 which contained amendments to Act 91 of 1983 (35 P.S. 1680.401c et. seg) and Pennsylvania Act 57 of 2008 which contained amendments to Act 6 of 1974 (41 P. S. 101 et. sue) by sending to each Defendant, by certified and regular mail, a copy of the Combined Act 6/91 Notice. A true and correct copy of the Combined Act 6/91 Notice dated May 10, 2013 is attached hereto as Exhibit "C ". 9. The Defendants have either failed to meet the time limitations as set forth under the Combined Act 6/91 Notice or have been determined by the Pennsylvania Housing Finance Agency not to qualify for Mortgage Assistance. 10. The Defendants are not members of the Armed Forces of the United States of America, nor engaged in any way which would bring them within the Service Members Civil Relief Act, as amended. Copies of the website reports from the Department of Defense Manpower Data Center, confirming non - active military duty are attached as Exhibit "D ". WHEREFORE, Plaintiff demands judgment in mortgage foreclosure "IN REM" for the aforementioned total amount due together with interest at the rate of 5.8750% ($19.84 per diem), together with other charges and costs including escrow advances incidental thereto to the to of Sheriff's Sale and for foreclosure and sale of the property within described. By: PURCEtf, KRUG &AHALLER Leon P. Haller, Esquire I.D. # 15700 Jill M. Wineka I.D. #58802 Attorneys for Plaintiff 1719 N. Front Street . Harrisburg, PA 17102 (717- 234 -4178) NOTE LOAN 4:WEB- HEM -21 �o -497 MARCH 26TH, 2 0 0 7 LEMOYNE Q PA [Date] [Date] [City] f �l-, 4 J +� [State] 7 WILLIAM PENN DR, CAMP HILL, PA 17011 [Property Address] 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $ 132, 700.00 (this amount is called "Principal "), plus interest, to the order of the Lender. The Lender is MEMBERS 1ST FEDERAL CREDIT UNION 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 anyone 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 5.875 %. The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(13) of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making a payment every month. 1 will make my monthly payment on the 1sT day of each month beginning on MAY 1sT, 2007 I will make these payments every month until I have paid all of the principal and interest and any other charges described below that [ 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 APRIL 1ST, 2037 , 1 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 5000 LOUISE DRIVE, MECHANICSBURG, PA 17055 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. $ 784.97 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 amount, 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. MULTISTATE FIXED RATE NOTE - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3240 11 Wolters Kluwer Financial Services VMP® -5N (0207).01 Page 1 of 3 Initials: 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 refund 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 treated 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 amount 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 must 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 Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described 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 Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all 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. 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 me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing 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. S. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means 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" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. Form 3 1 V M P -5 N (0207).01 Page 2 of Initials: 10. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations 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 promises which I make in this Note. That Security Instrument describes how and under what conditions I may be required to make 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 Instrument. 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 notice is given in accordance with Section 15 within which Borrower must pay all 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 Instrument without further notice or demand on Borrower. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. (Seal) (Seal) BRET M HEMMINGER - Borrower ENNA M HEMMINGER - Borrower (Seal) (Seal) Borrower - Borrower (Seal) (Seal) - Borrower - Borrower (Seal) (Seal) - Borrower - Borrower VWTHOUT REDOUFtSE PAY TO TW PEkMYLVANIA HOUSM FWW;CF- AGM'vY BY Me7b" 1st Fad"N OfUld Ureter [Sign Original Only] &:500 Lcuiso Ddya cRSnt^sb� . PA 17055 By AmftW t Yxe t of ReFJ Estn9 Lordag VM P ® -5 N (0207).01 Page 3 of 3 Form 3200 1101 ALL THAT CERTAIN lot or piece of land situate in Lower Allen Township, Cumberland County, Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point on the southern side of William Penn Drive 316.67 feet West of the southwest comer.of the intersection of William Penn Drive and Allen Road, also at the dividing line between Lots No. 9 and 10, Block B, on the hereinafter mentioned Plan of Lots; THENCE South 22 degrees 27 minutes East along the same 121.57 feet to a point at the dividing line between Lots No. 9 and 11, Block B, on said Plan; THENCE South 58 degrees 21 minutes West along the same and along Lot No. 12, Block B on said Plan 46 feet to a point at the dividing line between Lots Nos. 8 and 9, Block B, on said Plan; THENCE North 31 degrees 39 minutes West along the. same 120 feet to a point on the southern side of William Penn Drive; THENCE eastwardly along the same North 58 degrees 21 minutes East (erroneously missing in prior deed) 65.43 feet to a point the place of BEGINNING. BEING Lot No. 9, Block B on Tract 2 -A, Cumberland Park, recorded in Plan Book 5, Page 22, Cumberland County Records. HAVING THEREON erected a one story dwelling known and numbered as 7 William Penn Drive, Camp Hill, Pennsylvania. (` Gol � �( � / ' r Date: 5/10/2013 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 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 name, address 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 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, PUSS AFECTA SU DERECHO A CONTINUAR VIVIENDO 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. l 1 ( ( ACT691 LR /dtmdocs /ALSW � C HOME- OWNER'S NAME(S): RET M. HEMMINGER JENNA M. HEMMINGER PROPERTY ADDRESS: 7 WILLIAM PENN DR CAMP HILL, PA 17011 -6666 LOAN ACCOUNT NO.: 1544998 CURRENT LENDER /SERVICER: Pennsylvania Housing Finance Agency 211 North Front Street P.O. Box 15057 Harrisburg, PA 17105 -5057 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 Mortgage Assistance Program Application with one of the designated Consumer Credit Counseling ACT691 LR /dtmdocs /ALSV/ Agencies listed at the end of th. Aotice. Only Consumer Credit Couns. ;ig 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 within 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: 7 WILLIAM PENN DR, CAMP HILL, PA 17011-6666, IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the months February, 2013 thru the first of May, 2013 in the amount of $4,272.00 plus late charges that have accrued in the amount of $117.75 and other charges (inspection fees and / or attorney fees and costs in the amount of $26.00) . THE TOTAL AMOUNT DUE IS $4,415.75. This includes all payments, fees and expenses due, less any funds we are holding in suspense. 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 $4,415.75 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash in our office, cashier's check, certified check or money order made payable and sent to: PENNSYLVANIA HOUSING FINANCE AGENCY 211 N FRONT STREET P.O. BOX 15057 HARRISBURG, PA 17105 -5057 ACT691 LR /dtmdocs /ALSV/ I YOU DO NOT CURE THE L :AULT -- If you do not cure the default ..,hin 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 attorney's 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 paying 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 writing 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 mortgaged property could be held would be approximately three 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: PENNSYLVANIA HOUSING FINANCE AGENCY 211 NORTH FRONT STREET P.O. BOX 15057 HARRISBURG, PA 17105 -5057 1- 800 - 822 -7375 717- 614 -2518 (FAX) Contact Person: KIMBERLEY AYALA Counseling Agencies In addition to mailing Appendix B, Notice of Face -To -Face Meeting, please notify PHFA (when we are the first lien holder) of the face -to -face meeting and pending submission of application for HEMAP assistance by sending an e-mail to: Kayala @phfa.org. If you do not have access to e-mail, please call Kim Ayala at 717 - 780 -1815 and advise of the face -to -face meeting. 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 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. (This does not apply if your mortgage was originated under the Home Start Program.) ACT691 LR /dtmdocs /ALSV/ OU MAY ALSO HAVE THE RIGH'� • 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY Advantage Credit Counseling Service /CCCS of Wester Housing Alliance of York/Y Housing Resources 2000 Linglestown Road 290 West Market Street Harrisburg, PA 17102 York, PA 17401 717 -855 -2752 Maranatha Community Action Commission of Capital Region 43 Philadelphia Avenue 1514 Derry Street Waynesboro, PA 17268 Harrisburg, PA 17104 717- 762 -3285 717- 232 -9757 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 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave Harrisburg, PA 17102 Chambersburg, PA 17201 717 - 234 -6616 717- 264 -5913 ACT691 LR /dtmdocs /ALSW Pennsylvania Housing Finance Agency Accounting & Loan Servicing 211 North Front Street, P.O. Box 15057 Harrisburg, PA 17105 -5057 (800) 346 -3597 FAX (717) 780 -3804 TTY (717) 780 -1869 NOTICE 5/10/2013 BRET M. HEMMINGER JENNA M. HEMMINGER 7 WILLIAM PENN DR CAMP HILL, PA 17011 RE: Account #1544998 TO: BRET M. HEMMINGER JENNA M. HEMMINGER 7 WILLIAM PENN DR CAMP HILL, PA 1 701 1 -6666 FROM: PENNSYLVANIA HOUSING FINANCE AGENCY The Federal Housing and Development Act of 1987 (as amended) directs creditors to notify homeowners who are delinquent in their mortgage obligation of the availability of homeownership counseling provided by nonprofit organizations approved by the Secretary of the Department of Housing and Urban Development ( "HUD ") and experienced in the provision of homeownership counseling. Attached is a current list of HUD - approved counseling agencies for Pennsylvania. Attachment: Housing Counseling List ACT691 LR /dtmdocs /ALSV/ HUD-APP, -)VED CREDIT COUNSELING - ,GENCIES CCCS OF WESTERN PA- HARRISBURG NACA 2000 LINGLESTOWN RD. 1341 N DELAWARE AVE; SUITE 312 HARRISBURG, PA. 17110 PHILADELPHIA, PA. 19125 Phone:888 -599 -2227 Phone: 888-297-5568 HOUSING ALLIANCE OF YORK PHILADELPHIA COUNCIL OF COMMINITY DEVELOPMENT 34 S. Duke St. ONE PENN CENTER;1617 JFK BLVD; SUITE 1550 York, PA 17401 -1106 PHILADELPHIA, PA. 19103 -1828 Phone: 800 - 864 -4909 Phone:800- 9304663 TABOR COMMUNITY SERVICES 208 E King St. Lancaster, PA 17608 -1676 Phone: 717 - 397 -5182 ACT691 LR /dtmdocs /ALSV/ Department of Defense Manpower Data Center Results as of: Aug -06- 201304:26:44 SCRA 3.0 `�Iatus . uport YursuttlT[ 10 iccinc:[T51a'tsr R- eli:fAc,( Last Name: HEMMINGER First Name: JENNA Middle Name: Active Duty Status As Of: Aug -06 -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 •�kwiie 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 Duly on Active Duty Status Date r.. Order Notification Star[ 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 {f 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. Mary M. Snavely- Dixon, Director's Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 _ Department of Defense Manpower Data Center V��--�� Results as of: Aug-06-2013 04:25:29 M1 SCRA 3.0 } St :a. LI4 . t'port. -D:k;r, PLITwu E11 for cl.ie. �. t'T7]C'[I7��,,,i`.'�.l+ Last Name: HEMMINGER First Name: BRET ;. Middle Name: ., Active Duty Status As Of: Aug -06 -2013 On Active Duty On Active Duty Status Date ,. Active Duty Start Dale Active Duty End Date ' NA Status Service Component NA No mro.. NA m. This response reflects the individuals' active duly status based on the Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Date F�Active�Start ate A ctivEDuty d NA A 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 Dale Order Notification Start Date Order Notification End Date NA Status Service Component , ` NA No NA M 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 x 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. w. HOWEVER, WITHOUT A SOCIAL SECURITY NUMBER, THE DEPARTMENT OF DEFENSE MANPOWER DATA CENTER CANNOT AUTHORITATIVELY r ASSERT THAT THIS IS THE SAME INDIVIDUAL THAT YOUR QUERY REFERS TO. NAME AND DATE OF BIRTH ALONE DO NOT UNIQUELY IDENTIFY AN INDIVIDUAL. Mary M. Snavely- Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY VERIFICATION I verify that the statements made in the foregoing Complaint are true and correct upon my personal knowledge and upon 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. PENNSYLVANIA HOUSING FINANCE AGENCY, Attorney -in -Fact for U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY Dated B Thomas F. Brzana, Yr., Director of Loan Servicing for the Pennsylvania Housing Finance Agency, Attorney -in- Fact for U.S. Bank National Association, as Trustee for the Pennsylvania Housing Finance Agency HEMMINGER 1544998 PH F- D- OFFICE C F i i E r'R0 I E,10)NO TA R 101 SEP 25 Az1 9: 4 5 U.S. BANK NATIONAL ASSOCIATION AS IN THE COURT OF COMMON PLfE6N ER( AND Coul aY TRUSTEE FOR THE PENNSYLVANIA CUMBERLAND COUNTY, PENNSYLVARO — A , N'SYL`ANIA, HOUSING FINANCE Plaintiff(s) AGENCY VS. BRET M. HEMMINGER AND JENNA M. HEMMINGER ) 1 _ S6 o Defendant(s Civil e�� 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 the 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 sub 'tted• 9 / 24.113 Date Leon P. H:aller / Jill M. Wineka Attorney for Plaintiff Purcell, Krug and Haller 1719 North Front Street Harrisburg PA 17101 1 ID 1570a / 58802 U.S. BANK NATIONAL ASSOCIATION AS IN THE COURT OF COMMON PLEAS OF TRUSTEE FOR THE PENNSYLVANIA CUMBERLAND COUNTY, PENNSYLVANIA HOUSING- FINANCE Plaintiff(s) AGENCY VS. BRET M. HEMMINGER AND JENNA M. HEMMINGER 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 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 Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland County Court of Common Pleas Docket # BORROWER REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance, your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: CUSTOMERIPRIMARY APPLICATION 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 and 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: Asset Amount Owed: Value: Home: $ $ Other Real Estate: $ $ Retirement Funds: $ $ Investments: $ $ Checking: $ $ Savings: $ $ Other: $ $ Automobile #1 : Model: Year: Amount owed: Value: Automobile #2 : Model: Year: Amount owed: Value: Other transportation (automobiles, boats, motorcycles): Model: Year: Amount owed: Value: Monthly Income Name of Employers: 1. Monthly Gross Monthly Net 2. Monthly Gross Monthly Net 3. Monthly Gross Monthly Net Additional Income Description (not wages): 1. Monthly Amount: 2. Monthly Amount: Borrower Pay Days: Co- Borrower Pay Days: Monthly Expenses: (Please only include expenses you are currently payingl EXPENSE AMOUNT EXPENSE AMOUNT Mortgage Food 2" Mortgage Utilities Car Payment(s) Condo /Neigh. Fees Auto Insurance Med. (not covered) Auto fuel /repairs Other Prop. Payment Install. Loan Payment Cable TV Child Support/Alim. Spending Money Day /Child Care /Tuft. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income and Expenses: Have you been working with a Housing Counseling Agency? Yes ❑ No ❑ If yes, please provide the following information: Counseling Agency: Counselor: Phone (Office): Fax: Email: Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance? Yes ❑ No If yes, please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? 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 I/We, authorize the above named to use /refer this information to my lender /servicer for the sole purpose of evaluating my financial situation for possible mortgage options. I /we understand that I /we am /are under no obligation to use the services provided by the above named Borrower Signature Date Borrower Signature Date Please forward this document along with the following information to lender and lender counsel: V Proof on income V Past 2 bank statements V Proof of any expected income for the last 45 days V Copy of a current utility bill V Letter explaining reason for delinquency and any supporting documentation V (hardship letter) Listing agreement (if property is currently on the market) V Copy of 2 years of federal income tax returns V Copy of deed SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy �Y 2 6 Richard W Stewart Solicitor ry US Bank National Association Case Number vs. 2013-5603 Bret Michael Hemminger(et al.) SHERIFF'S RETURN OF SERVICE 10/08/2013 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Bret Michael Hemminger, 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 Served"at 7 William Penn Drive, Lower Allen, Camp Hill, PA 17011. The Camp Hill Postmaster provided a forwarding address of 4205 E. Pikes Park Avenue,Apt. 10, Colorado Springs, CO 80909. 10/10/2013 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Jenna M Hemminger, 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 734 Hummel Avenue, Lemoyne Borough, Lemoyne, PA 17043. Current tenants moved in in February 2012 and state the defendant does not reside at this address nor do they know the defendant and to this date the Lemoyne Postmaster has not provided a good forwarding address for the defendant. 10/11/2013 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 7 William Penn Drive, Lower Allen, Camp Hill, PA 17011. Residence is vacant. SHERIFF COST: $105.03 SO ANSWERS, 4� X. 2x/� October 24, 2013 RON R ANDERSON, SHERIFF (ci Cou,ntySuc.eSmnt,*oleosoft '.,.. U.S. BANK NATIONAL ASSOCIATION, AS IN THE COURT OF COMMON PLEAS TRUSTEE FOR THE PENNSYLVANIA HOUSING CUMBERLAND COUNTY, PENNSYLVANIA FINANCE AGENCY Plaintiff CIVIL ACTION- LAW vs. ACTION OF MORTGAGE FORECLOSURE BRET M. HEMMINGER AND JENNA M. HEMMINGER No. 2013-05603 Defendants PRAECIPE TO REINSTATE =, C- TO THE PROTHONOTARY: o r;. c0 .e Kindly reinstate the complaint on the above captioned matter. DATE: January 8, 2014 PURCELL, KRUG : HALLER BY Leon P. Haller 1719 North Front Street Harrisburg, Pa. 17102 Attorney for Plaintiff Attorney ID# 15700 QtMA g11. 7q Ck_, A1.9okis) 244 Soo-SP3 U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY VS. BRET M. HEMMINGER AND JENNA M. HEMMINGER Plaintiff Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE PRAECIPE TO REINSTATE TO THE PROTHONOTARY: Kindly reinstate the complaint on the above captioned matter. DATE: March 5, 2014 No. 2013-05603 PURCELL, KRUG, & HALLER BY Leon P. Haller 1719 North Front Street Harrisburg, Pa. 17102 Attorney for Plaintiff Attorney ID# 15700 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny RAnderson r;f ; D -OV F"IFrt Sheriff THE t R T H U 3) l; O TAI t Jody Smith D Chief Deputy ' Zf614r!RR 17 AM 10: 00 � ��� Wit,_ , "UII.RERLAND cOLIN Richard W Stewart .�� ;, a ,_., Solicitor 0 PENNSYLVANIA FIEF QF THE $$f'ERIFF US Bank National Association vs. Case Number Bret Michael Hemminger (et al.) 2013 -5603 SHERIFF'S RETURN OF SERVICE 03/10/2014 02:33 PM - Deputy Michelle Gutshall, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Loretta Hemminger, mother, who accepted as "Adult Person in Charge" for Bret Michael Hemminger at 313 Glendale Driv- , Lower Allen Annex, Shiremanstown, PA 17011. MICHELLE GUTSHALL, DEPUTY 03/10/2014 02:33 PM - Deputy Michelle Gutshall, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Loretta Hemminger, mother in law, who accepted as "Adult Person in Charge" for Jenna M Hemminger at 313 Glendale D .ve owe Shiremanstown, PA 17011. MICHELLE GUTSHALL, DEPUTY SHERIFF COST: $60.95 SO ANSWERS, March 11, 2014 RONNY R ANDERSON, SHERIFF (c) CoucaySu!te Sheriff, Te!eosoff, Inc 4. LEON P. HALLER, ESQUIRE PURCELL, KRUG & HALLER 1719 NORTH FRONT STREET HARRISBURG, PA 17102 -2392 (717)234-4178 ATTORNEY FOR PLAINTIFF U.S. BANK NATIONAL ASSOCIATION TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY Plaintiff VS. BRET M. HEMMINGER AND JENNA M. HEMMINGER -Cf; - "F ter_ THOS 0 TA APR -3 WI 11: 13 CUMBERLAND COUNTY PENNSYLV! Nl \ : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION - LAW : NO. 13 -5603 CIVIL : IN MORTGAGE FORECLOSURE Defendants MOTION TO LIFT STAY IMPOSED BY THE MORTGAGE FORECLOSURE DIVERSION PROGRAM AND NOW comes Plaintiff, U.S. Bank National Association Trustee for The Pennsylvania Housing Finance Agency, through it's counsel, Leon P. Haller, and in accordance with Paragraph (k) of the Order of February 28, 2012, establishing the Mortgage Foreclosure Diversion Program, represents as follows: 1. The within foreclosure action was filed September 25, 2013. 2. Service of the Complaint and Notice of Residential Mortgage Foreclosure Diversion Program was made on March 10, 2014 . 3. The Notice of Residential Mortgage Foreclosure Diversion Program was served on Defendant on March 20, a copy of the Sheriff's Return is attached hereto and made a part hereof as Exhibit "A ". 4. The property subject to the Mortgage is vacant. 5. The real estate is not owner occupied. 6. Defendants have not opted to participate in the Mortgage Foreclosure Diversion Program. 7. Plaintiff, in accordance with the provisions of the Mortgage Foreclosure Diversion Program, requests that the stay be lifted. WHEREFORE, Plaintiff requests that the stay imposed by the Cumberland County Mortgage Foreclosure Diversion Program be lifted to allow Plaintiff to proceed with the foreclosure action. PURCELL, KRUG & HALLER By Dated: April 2, 2014 Leon P. Haller 1719 North Front Street Harrisburg, PA 17102-2392 (717)234-4178 Attorney ID #15700 Attorney for Plaintiff Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY ttr of C:41011.141ro OFF ICE OF M= S!- IFF US Bank National Association vs. Bret Michael Hemminger (et al.) Case Number 2013 -5603 SHERIFF'S RETURN OF SERVICE 03/10/2014 02:33 PM - Deputy Michelle Gutshall, being duly sworn according to law. aw, served the requested Notice of _ 11 -__ .-_ a - -- A ee_!. •e as -me alas • 01- 11eee -e-- • • •. e_e• -e• a true copy to a person representing themselves to be Loretta Hemminger, mother, who accepted as "Adult Person in Charge" for Bret Michael Hemminger at 313 Glendale Driv , Lower Allen Annex, Shiremanstown, PA 17011. MICHELLE GUTSHALL, DEPUTY 03/10/2014 02:33 PM - Deputy Michelle Gutshall, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Loretta Hemminger, mother in law, who accepted as "Adult Person in Charge" for Jenna M Hemminger at 313 Glendale D 've jower Alle : • • - . Shiremanstown, PA 17011. SHERIFF COST: $60.95 MICHELLE GUTSHALL, DEPUTY SO ANSWERS, !iti• t: March 11, 2014 RONIV R ANDERSON, SHERIFF (c) CountySulte Sheriff, Toleosoft, Inc, Ronny R Anderson Sheriff Jody S Smith Chief Deputy SHERIFF'S OFFICE OF CUMBERLAND COUNTY Richard W Stewart Solicitor oFF ICU OF Tits sw.ERWF US Bank National Association vs. Bret Michael Hemminger (et al.) Case Number 2013-5603 SHERIFF'S RETURN OF SERVICE 10/08/2013 Sheriff Ron R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit Bret Michael l-lemminger, but was unable to Iocate 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 Served" at 7 VVilliam Penn Drive, Lower Allen, Camp Hill, PA 17011. The Camp Hill Postmaster provided a forwarding address of 4205 E. Pikes Park Avenue, Apt. 10, Colorado Springs, CO 80909. 10/10/2813 Ronny R Anderson, Sheriff, being duly swom according to law, states he made diligent search and inquiry for the within named Defendant to wit: Jenna M Hemminger, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore retums the within requested Notice of Residential Mortgage Foreclosure Diversion Program and'Complaint in Mortgage Foreclosure as "Not Found" at 734 Hummel Avenue, Lemoyne Borough, Lemoyne, PA 17043. Current tenants moved in in February 2012 and state the defendant does not reside at this address nor do they know the defendant and to this date the Lemoyne Postmaster has not provided a good forwarding address for the defendant. 10/11/2013 Ronny R Anderson, Sheriff, being duly swom 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 7 VVilliam Penn Drive, Lower Allen, Camp Hill, PA17O11. Residence iovacant. SHERIFF COST: $1O5.03 SO ANSWERS, October 24, 2013 RON NYR ANDERSON, SHER|FF VERIFICATION verify that the statements made in the foregoing Petition to Lift Stay, are true and correct. 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. Dated: April 2, 2014 LEON P. HALLER, ESQUIRE PURCELL, KRUG & HALLER 1719 NORTH FRONT STREET HARRISBURG, PA 17102-2392 (717)234-4178 ATTORNEY FOR PLAINTIFF U.S. BANK NATIONAL ASSOCIATION TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY VS. : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff : CIVIL ACTION - LAW : NO. 13-5603 CIVIL BERT M. HEMMINGER AND JENNA M. : IN MORTGAGE FORECLOSURE HEMMINGER Defendants CERTIFICATE OF SERVICE I, Leon P. Haller, the undersigned, Attorney for Plaintiff, hereby certify that I served on the 1st day of April, 2014, a copy of the Petition to Lift Stay Imposed by Mortgage Foreclosure Diversion Program upon each of the following persons at the addresses shown below: Bret M. Hemminger 313 Glendale Drive Lower Allen Annex Shiremenstown, PA 17011 Jenna M. Hemminger 313 Glendale Drive Lower Allen Annex Shiremenstown, PA 17011 Dated: April 1, 2014 Leon P. Haller Attorney for Plaintiff 4. U.S. BANK NATIONAL ASSOCIATION TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff : CIVIL ACTION - LAW vs. : NO. 13-5603 CIVIL BRET M. HEMMINGER AND JENNA M. : IN MORTGAGE FORECLOSURE HEMMINGER Defendants ORDER AND NOW, this N. day of /)72i1) , 2014, upon consideration of Plaintiff Petition to Lift Stay, Notice of the Residential Mortgage Foreclosure Diversion Program having been served on March 10, 2014, the mortgaged premises appearing to be vacant and not owner occupied, IT IS HEREBY ORDERED that the stay imposed by the Mortgage Foreclosure Diversion Program be lifted and Plaintiff may proceed with its mortgage foreclosure action. BY THE COURT: C73 Y? U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, PLAINTIFF VS. BRET M. HEMMINGER AND JENNA M. HEMMINGER, DEFENDANT(S) IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION LAW NO. 13-5603 CIVIL MORTGAGE FORECLOSURE PRAECIPEc� .7 ,- . -. Please enter JUDGMENT in rem in favor of the Plaintiff and against Defendant(s) BRET M. TO THE PROTHONOTARY OF THE WITHIN COUNTY: HEMMINGER AND JENNA M. HEMMINGER for failure to plead to the above action within twenty (20) days from date of service of the Complaint, and assess Plaintiff's damages as follows: Unpaid Principal Balance Interest Per diem of $19.84 From 01/01/2013 To 10/01/2013 Late Charges ($39.25 per month to 10/01/2013) Escrow Deficit 5% Attorney's Commission TOTAL $121,602.23 $5,416.32 $314.00 $980.48 $6,080.11 $134,393.14 **Together with additional interest at the per diem rate indicated above from the date herein, based on the contract rate, and other charges and costs to the date of Sheriff's Sale. PURCELL, KRUG & HALLE By Leon ' ' a ler PA I.D. # 15700 171 • North Front Street Harrisburg, PA 17102 (717) 234-4178 a),„-} 011,5bpd C;MIg/36� 3alosa1 N cyhth • �. U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, PLAINTIFF Vs. BRET M. HEMMINGER AND JENNA M. HEMMINGER, DEFENDANT(S) IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION LAW NO. 13-5603 CIVIL IN MORTGAGE FORECLOSURE CERTIFICATE OF SERVICE PURSUANT TO PA. R.C.P. 237.1 I hereby certify that on April 30, 2014 I served the Ten Day Notice required by Pa. R.C.P. on the Defendant(s) in this matter by regular first class mail, postage prepaid, as indicated on the attached Notice. By Leon ,i a ler PA I.D. # 15700 Attorney for Plaintiff Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 U.S. BANK NATIONAL ASSOCIATION; AS TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, Plaintiff VS. BRET M. HEMMINGER AND JENNA M. HEMMINGER Defendants DATE OF THIS NOTICE: April 30, 2014 TO: BRET M. HEMMINGER 313 GLENDALE DRIVE SHIREMANSTOWN, PA 17011 JENNA M. HEMMINGER 313 GLENDALE DRIVE SHIREMANSTOWN, PA 17011 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 13-5603 CIVIL CIVIL ACTION LAW IN MORTGAGE FORECLOSURE BRET M. HEMMINGER 7 WILLIAM PENN DRIVE CAMP HILL, PA 17011 JENNA M. HEMMINGER 7 WILLIAM PENN DRIVE CAMP HILL, PA 17011 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. IMPORTANT NOTICE 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 PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICE TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 PURCELL r & HALLER B L ON P. 4 LLER, Attorney for Plaintiff I.D. # 15700 1719 N. Front St., Harrisburg, PA 17102 (717) 234-4178 U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, PLAINTIFF VS. BRET M. HEMMINGER AND JENNA M. HEMMINGER, DEFENDANT(S) IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION LAW NO. 13-5603 CIVIL IN MORTGAGE FORECLOSURE AFFIDAVIT COMMONWEALTH OF PENNSYLVANIA SS COUNTY OF DAUPHIN I, LEON P. HALLER, Attorney for the Plaintiff in the above matter, being duly sworn according to law, hereby certify that the Plaintiff has complied with the procedures required by Pennsylvania Act 91 of 1983 (Homeowners' Emergency Mortgage Assistance Payments Program) and Defendants have either failed to meet the time limitations as set forth therein or have been determined by the Housing Finance Agency not to qualify for assistance. Sworn to and subscribed before me this .. aZ iay : of // 20 /1 . Notary COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL n public MARYLAND K. FERRETTI, n County Lower Paxton Twp., g, County My Commission Expires Aug.2014 ' ��F9 HALLER, ESQUIRE U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, ' PLAINTIFF VS. BRET M. HEMMINGER AND JENNA M. HEMMINGER, DEFENDANT IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION LAW NO. 13-5603 CIVIL IN MORTGAGE FORECLOSURE NON-MILITARY AFFIDAVIT COMMONWEALTH OF PENNSYLVANIA SS COUNTY OF DAUPHIN Personally appeared before me, a Notary Public in and for said Commonwealth and County, LEON P. HALLER, ESQUIRE who being duly sworn according to law deposes and states that the Defendants above named are not on active duty in the Military Service,nor engaged in any way which would bring them within the Servicemembers' Civil Relief Act: A copy of the search through the Defense Manpower Data Center website iso attached. Sworn to and subscribed before me this day COMMONWEALTH OF PENNSYLVANIA NOTARIALSEAL Public MARYLAN© IC. FERR_ , Notary hin County LoweT Pat=TW'. 8,Dau20t 4 Commisalon Expires Aug. 2014 P. HALLER, ESQUIRE ' 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 ohly 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: OARBZ520G0C57D0 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION - LAW AT NO. 13-5603 CIVIL U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, PLAINTIFF VS. BRET M. HEMMINGER AND JENNA M. HEMMINGER, DEFENDANT(S) Total Judgment Amount Interest Per diem of $19.84 to sale date 9/3/2014 Late Charges $39.25 per month to sale date 9/3/2014 Escrow Deficit Property Preservation TOTAL WRIT *Plus additional interest, late charges to date of sheriff's sale. SALE DATE: Wednesday, September 03, 2014 $134,393.14 $6,549.20 $404.75 $4,260.10 $1,234.50 $146,841.69 and other costs (PROTHONOTARY'S USE) Pltf. Paid Deft. Paid Due Proth/Clerk Other Costs PRAECIPE FOR WRIT OF EXECUTION - MORTGAGE FORECLOSURE TO THE PROTHONOTARY/CLERK OF SAID COURT: Issue Writ of Execution in the above capti s • ed case. Date: May 20, 2014 Attorney for Plaintiff 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 Leon P. Haller PA I.D. #15700 WRIT OF EXECUTION - MORTGAGE FO CLOSURE COMMONWEALTH OF PENNSYLVAN COUNTY OF CUMBERLAND TO THE SHERIFF OF CUMBERLAND COUN To satisfy the judgment, interest and costs in th sell the property described in the attached description k 17011 Date: S� g 5� g 0 gP Li BY iko.a s << 1. _ _ _ 46, . so �� S``" . `. sCL4'ILl31' mist," d:/3b� say lla. SD1�d1 a 3 r ove captioned case, you are directed to levy upon and as 7 WILLIAM PENN DRIVE CAMP HILL, PA PROTHO OTARY/CLERK CIVIL DIVISION DEPUTY ALL THAT CERTAIN lot or piece of land situate in Lower Allen Township, Cumberland County, Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point on the southern side of William Penn Drive 316.67 feet West of the southwest corner of the intersection of William Penn Drive and Allen Road, also at the dividing line between Lots Nos. 9 and 10, Block B, on the hereinafter mentioned Plan of Lots; thence South 22 degrees 27 minutes East along the same 121.57 feet to a point at the dividing line between Lots Nos. 9 and 11, Block B, on said Plan; thence South 58 degrees 21 minutes West along the same, and along Lot No. 12, Block B on said Plan 46 feet to a point at the dividing line between Lots Nos. 8 and 9, Block B, on said Plan; thence North 31 degrees 39 minutes West along the same, 120 feet to a point on the southern side of William Penn Drive; thence eastwardly along the same, North 58 degrees 21 minutes East 65.43 feet to a point, the place of beginning. BEING Lot No. 9, Block B, on Tract 2-A, Cumberland Park, recorded in Cumberland County Records in Plan Book 5, Page 22. HAVING THEREON ERECTED A DWELLING KNOWN AS 7 WILLIAM PENN DRIVE, CAMP HILL, PA 17011 TAX PARCEL NO. 13-24-0797-103 BEING THE SAME PREMISES WHICH Stephanie M. Butt et al, by deed dated 03/26/2007 and recorded 03/30/2007 in Cumberland County Record Book 279 Page 1797, granted and conveyed unto Bret M. Hemminger and Jenna M. Hemminger, husband and wife. TO BE SOLD AS THE PROPERTY OF BRET M. HEMMINGER AND JENNA M. HEMMINGER ON JUDGMENT NO. 13-5603 CIVIL U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, PLAINTIFF VS. BRET M. HEMMINGER AND JENNA M. HEMMINGER, DEFENDANT(S) IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION LAW NO. 13-5603 CIVIL IN MORTGAGE FORECLOSURE AFFIDAVIT PURSUANT TO RULE 3129.1 The Plaintiff in the above action, by its attorneys, Purcell, Krug & Haller, sets forth as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 7 WILLIAM PENN DRIVE CAMP HILL, PA 17011: 1. Name and address of the Owner(s) or Reputed Owner(s): BRET M. HEMMINGER 313 GLENDALE DRIVE SHIREMANSTOWN, PA 17011 BRET M. HEMMINGER 7 WILLIAM PENN DRIVE CAMP HILL, PA 17011 JENNA M. HEMMINGER 7 WILLIAM PENN DRIVE CAMP HILL, PA 17011 JENNA M. HEMMINGER 313 GLENDALE DIRVE SHIREMANSTOWN, PA 17011 -t; 2. Name and address of Defendant(s) in the Judgment, if different from that listed. in (1) above: SAME 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: 4. Name and address of last recorded holder of every mortgage of record: PLAINTIFF HEREIN (AND ANY OTHERS AS NOTED BELOW): Members 1St Federal Credit Union 5000 Louise Drive Mechanicsburg, PA 17055 5. Name and address of every other person who has any record lien on the property: 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: UNKNOWN 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: DOMESTIC RELATIONS Cumberland County Courthouse 13 North Hanover Street Carlisle, PA 17013 TENANT/OCCUPANT 7 WILLIAM PENN DRIVE CAMP HILL, PA 17011 (In the preceding information, where addresses could not be reasonably ascertained, the same is indicated.) I verify that the statements made in this Affidavit are true and correct to the best of my personal knowledge, 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 DATE: May 20, 2014 or( . Haller PA I.D. #15700 �urcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, PLAINTIFF VS. BRET M. HEMMINGER AND JENNA M. HEMMINGER, DEFENDANT(S) TAKE NOTICE: IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION LAW NO. 13-5603 CIVIL IN MORTGAGE FORECLOSURE NOTICE OF SHERIFF'S SALE OF REAL ESTATE PURSUANT TO PENNSYLVANIA RULE OF CIVIL PROCEDURE 3129.1 That the Sheriffs Sale of Real Property (real estate) will be held: DATE: Wednesday, September 03, 2014 { �, TIME: 10:00 O'clock A.M. z� t,'� --a (/) t\, __o ZZ p - CD ._. THE PROPERTY TO BE SOLD is delineated in detail in a legal description mainly(consiting of a statement of the measured boundaries of the property, together with a brief mention of the buildings and any other major improvements erected on the land. (SEE DESCRIPTION ATTACHED) LOCATION: Cumberland County Courthouse Carlisle, Pennsylvania 17013 THE LOCATION of your property to be sold is: 7 WILLIAM PENN DRIVE CAMP HILL, PA 17011 THE JUDGMENT under or pursuant to which your property is being sold is docketed in the within Commonwealth and County to: No. 13-5603 CIVIL JUDGMENT AMOUNT $134,393.14 THE NAMES OF THE OWNERS OR REPUTED OWNERS of this property is: BRET M. HEMMINGER AND JENNA M. HEMMINGER A SCHEDULE OF DISTRIBUTION, being a list of the persons and/or governmental or corporate entities or agencies being entitled to receive part of the proceeds of the sale received and to be disbursed by the Sheriff (for example, to banks that hold mortgages and municipalities that are owed taxes) will be filed by the Sheriff of this County thirty (30) days after the sale and distribution of the proceeds of sale in accordance with this schedule will, in fact, be made unless someone objects by filing exceptions to it within ten (10) days of the date it is filed. Information about the Schedule of Distribution may be obtained from the Sheriff of the Court of Common Pleas of the within County at the Courthouse address specified herein. THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR PROPERTY. IT HAS BEEN ISSUED BECAUSE THERE IS A JUDGMENT AGAINST YOU. IT MAY CAUSE YOUR PROPERTY TO BE HELD, TO BE SOLD OR TAKEN TO PAY THE JUDGMENT You may have legal rights to prevent your property from being taken away. A lawyer can advise you more specifically of these rights. If you wish to exercise your rights, YOU MUST ACT PROMPTLY. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET FREE LEGAL ADVICE: Cumberland County Bar Association 32 South Bedford Street Carlisle, Pennsylvania 17013 717-249-3166 Legal Services, Inc 8 Irvine Row Carlisle, Pennsylvania 17013 717-243-9400 THE LEGAL RIGHTS YOU MAY HAVE ARE: 1. You may file a petition with the Court of Common Pleas of the within County to open the judgment if you have a meritorious defense against the person or company that has entered judgment against you. You may also file an petition with the same Court if you are aware of a legal defect in the obligation or the procedure used against you. 2. After the Sheriffs Sale you may file a petition with the Court of Common Pleas of the within County to set aside the sale for a grossly inadequate price or for other proper cause. This petition MUST BE FILED BEFORE THE SHERIFF'S DEED IS DELIVERED. 3. A petition or petitions raising the legal issues or rights mentioned in the preceding paragraphs must be presented to the Court of Common Pleas of the within County. The petition must be served on the attorney for the creditor or on the creditor before presentation to the court and a proposed order or rule must be attached to the petition. If a specific return date is desired, such date must be obtained from the Court Administrator's Office - Civil Division, of the within County Courthouse, before a presentation of the petition to the Court. PURCELL, KRUG & HALLER Attorneys for Plaintiff 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 ALL THAT CERTAIN lot or piece of land situate in Lower Allen Township, Cumberland County, Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point on the southern side of William Penn Drive 316.67 feet West of the southwest corner of the intersection of William Penn Drive and Allen Road, also at the dividing line between Lots Nos. 9 and 10, Block B, on the hereinafter mentioned Plan of Lots; thence South 22 degrees 27 minutes East along the same 121.57 feet to a point at the dividing line between Lots Nos. 9 and 11, Block B, on said Plan; thence South 58 degrees 21 minutes West along the same, and along Lot No. 12, Block B on said Plan 46 feet to a point at the dividing line between Lots Nos. 8 and 9, Block B, on said Plan; thence North 31 degrees 39 minutes West along the same, 120 feet to a point on the southern side of William Penn Drive; thence eastwardly along the same, North 58 degrees 21 minutes East 65.43 feet to a point, the place of beginning. BEING Lot No. 9, Block B, on Tract 2-A, Cumberland Park, recorded in Cumberland County Records in Plan Book 5, Page 22. HAVING THEREON ERECTED A DWELLING KNOWN AS 7 WILLIAM PENN DRIVE, CAMP HILL, PA 17011 TAX PARCEL NO. 13-24-0797-103 BEING THE SAME PREMISES WHICH Stephanie M. Butt et al, by deed dated 03/26/2007 and recorded 03/30/2007 in Cumberland County Record Book 279 Page 1797, granted and conveyed unto Bret M. Hemminger and Jenna M. Hemminger, husband and wife. TO BE SOLD AS THE PROPERTY OF BRET M. HEMMINGER AND JENNA M. HEMMINGER ON JUDGMENT NO. 13-5603 CIVIL THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PA DAVID D. BUELL, PROTHONOTARY One Courthouse Square • Suite100 • Carlisle, PA • 17013 (717) 240-6195 www.ccpa.net U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY Vs. NO 13-5603 Civil Term CIVIL ACTION — LAW BRET M. HEMMINGER AND JENNA M. HEMMINGER WRIT OF EXECUTION TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the judgment, interest and costs in the above matter you are directed to levy upon and sell the following described property: (1) See legal description. (2) (Specifically describe personal property when judgment results from a mortgage covering both personal and real property pursuant to Section 9604(a)of the Uniform Commercial Code) NOTE: Description of property must be attached to the writ. Amount Due: $134,393.14 L.L.: $.50 Interest $6,549.20 PER DIEM OF $19.84 TO SALE DATE 9/3/2014 Atty's Comm: Due Prothy: $2.25 Atty Paid: $338.23 Other Costs: LATE CHARGES - $404.75 - $39.25 PER MONTH TO SALE DATE 9/3/14 - ESCROW DEFICIT - $4,260.10 - PROPERTY PRESERVATION - $1,234.50 Plaintiff Paid: Date: 5/28/14 David D. Buell, Prothonot (Seal) REQUESTING PARTY: Name: LEON P. HALLER, ESQUIRE Address: PURCELL, KRUG & HALLER 1719 NORTH FRONT STREET HARRISBURG, PA 17102 Attorney for: PLAINTIFF Telephone: 717-234-4178 Supreme Court ID No. 15700 Deputy U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, PLAINTIFF VS. BRET M. HEMMINGER AND JENNA M. HEMMINGER, DEFENDANT(S) IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION LAW NO. 13-5603 CIVIL IN MORTGAGE FORECLOSURE RETURN OF SERVICE I hereby certify that I have deposited in the U.S. Mails at Harrisburg, Pennsylvania on 113109,014 , a true and correct copy of the Notice of Sale of Real Estate pursuant to PA R.C.P. 3129.1 to the Defendants herein and all lienholders of record by regular first class mail (Certificate of Mailing form in compliance with U.S. Postal Form 3817 is attached hereto as evidence), and also to the Defendants by Certified Mail, which mailing receipts are attached. Service addresses are as follows: BRET M. HEMMINGER 313 GLENDALE DRIVE SHIREMANSTOWN, PA 17011 BRET M. HEMMINGER 7 WILLIAM PENN DRIVE CAMP HILL, PA 17011 JENNA M. HEMMINGER 7 WILLIAM PENN DRIVE CAMP HILL, PA 17011 JENNA M. HEMMINGER 313 GLENDALE DIRVE SHIREMANSTOWN, PA 17011 DOMESTIC RELATIONS Cumberland County Courthouse 13 North Hanover Street Carlisle, PA 17013 TENANT/OCCUPANT 7 WILLIAM PENN DRIVE CAMP HILL, PA 17011 Members 1St Federal Credit Union 5000 Louise Drive Mechanicsburg, PA 17055 By 5.T: ELL, KRUG & HALLER Attorneys for Plaintiff 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 LAW OFFICES Ai/iece,il, Yea/4, HOWARD B. KRUG LEON P. HALLER JOHN W. PURCELL JR. JILL M. WINEKA LISA RYNARD BRET M. HEMMINGER 313 GLENDALE DRIVE SHIREMANSTOWN, PA 17011 BRET M. HEMMINGER 7 WILLIAM PENN DRIVE CAMP HILL, PA 17011 JENNA M. HEMMINGER 7 WILLIAM PENN DRIVE CAMP HILL, PA 17011 JENNA M. HEMMINGER 313 GLENDALE DIRVE SHIREMANSTOWN, PA 17011 DOMESTIC RELATIONS Cumberland County Courthouse 13 North Hanover Street Carlisle, PA 17013 TENANT/OCCUPANT 7 WILLIAM PENN DRIVE CAMP HILL, PA 17011 Members 1st Federal Credit Union 5000 Louise Drive Mechanicsburg, PA 17055 1719 NORTH FRONT STREET HARRISBURG, PENNSYLVANIA 17102-2392 TELEPHONE (717) 234-4178 FAX (717) 234-1206 HERSHEY (717)533-3836 NOTICE IS HEREBY GIVEN to the Defendants in the within action and those parties who hold one or more mortgages, judgments or tax liens against the real estate which is the subject of the Notice of Sale pursuant to Pennsylvania Rule of Civil Procedure 3129.1 attached hereto. YOU ARE HEREBY NOTIFIED that by virtue of a Writ of Execution issued out of the Court of Common Pleas of the within county on the judgment of the Plaintiff named herein the said real estate will be exposed to public sale as set forth on the attached Notice of Sale. YOU ARE FURTHER NOTIFIED that the lien you hold against the said real estate will be divested by the sale and that you have an opportunity to protect your interest, if any, by b -'ng notified of said Sheriffs Sale. By: on P. Haller PA I.D.15700 Attorney for Plaintiff U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, PLAINTIFF VS. BRET M. HEMMINGER AND JENNA M. HEMMINGER, DEFENDANT(S) TAKE NOTICE: IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION LAW NO. 13-5603 CIVIL IN MORTGAGE FORECLOSURE NOTICE OF SHERIFF'S SALE OF REAL ESTATE PURSUANT TO PENNSYLVANIA RULE OF CIVIL PROCEDURE 3129.1 That the Sheriffs Sale of Real Property (real estate) will be held: DATE: Wednesday, September 03, 2014 TIME: 10:00 O'clock A.M. LOCATION: Cumberland County Courthouse Carlisle, Pennsylvania 17013 THE PROPERTY TO BE SOLD is delineated in detail in a legal description mainly consisting of a statement of the measured boundaries of the property, together with a brief mention of the buildings and any other major improvements erected on the land. (SEE DESCRIPTION ATTACHED) THE LOCATION of your property to be sold is: 7 WILLIAM PENN DRIVE CAMP HILL, PA 17011 THE JUDGMENT under or pursuant to which your property is being sold is docketed in the within Commonwealth and County to: No. 13-5603 CIVIL JUDGMENT AMOUNT $134,393.14 THE NAMES OF THE OWNERS OR REPUTED OWNERS of this property is: BRET M. HEMMINGER AND JENNA M. HEMMINGER A SCHEDULE OF DISTRIBUTION, being a list of the persons and/or governmental or corporate entities or agencies being entitled to receive part of the proceeds of the sale received and to be disbursed by the Sheriff (for example, to banks that hold mortgages and municipalities that are owed taxes) will be filed by the Sheriff of this County thirty (30) days after the sale and distribution of the proceeds of sale in accordance with this schedule will, in fact, be made unless someone objects by filing exceptions to it within ten (10) days of the date it is filed. Information about the Schedule of Distribution may be obtained from the Sheriff of the Court of Common Pleas of the within County at the Courthouse address specified herein. THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR PROPERTY. IT HAS BEEN ISSUED BECAUSE THERE IS A JUDGMENT AGAINST YOU. IT MAY CAUSE YOUR PROPERTY TO BE HELD, TO BE SOLD OR TAKEN TO PAY THE JUDGMENT You may have legal rights to prevent your property from being taken away. A lawyer can advise you more specifically of these rights. If you wish to exercise your rights, YOU MUST ACT PROMPTLY. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET FREE LEGAL ADVICE: Cumberland County Bar Association 32 South Bedford Street Carlisle, Pennsylvania 17013 717-249-3166 Legal Services, Inc 8 Irvine Row Carlisle, Pennsylvania 17013 717-243-9400 THE LEGAL RIGHTS YOU MAY HAVE ARE: 1. You may file a petition with the Court of Common Pleas of the within County to open the judgment if you have a meritorious defense against the person or company that has entered judgment against you. You may also file an petition with the same Court if you are aware of a legal defect in the obligation or the procedure used against you. 2. After the Sheriffs Sale you may file a petition with the Court of Common Pleas of the within County to set aside the sale for a grossly inadequate price or for other proper cause. This petition MUST BE FILED BEFORE THE SHERIFF'S DEED IS DELIVERED. 3. A petition or petitions raising the legal issues or rights mentioned in the preceding paragraphs must be presented to the Court of Common Pleas of the within County. The petition must be served on the attorney for the creditor or on the creditor before presentation to the court and a proposed order or rule must be attached to the petition. If a specific return date is desired, such date must be obtained from the Court Administrator's Office - Civil Division, of the within County Courthouse, before a presentation of the petition to the Court. PURCELL, KRUG & HALLER Attorneys for Plaintiff 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 ALL THAT CERTAIN lot or piece of land situate in Lower Allen Township, Cumberland County, Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point on the southern side of William Penn Drive 316.67 feet West of the southwest corner of the intersection of William Penn Drive and Allen Road, also at the dividing line between Lots Nos. 9 and 10, Block B, on the hereinafter mentioned Plan of Lots; thence South 22 degrees 27 minutes East along the same 121.57 feet to a point at the dividing line between Lots Nos. 9 and 11, Block B, on said Plan; thence South 58 degrees 21 minutes West along the same, and along Lot No. 12, Block B on said Plan 46 feet to a point at the dividing line between Lots Nos. 8 and 9, Block B, on said Plan; thence North 31 degrees 39 minutes West along the same, 120 feet to a point on the southern side of William Penn Drive; thence eastwardly along the same, North 58 degrees 21 minutes East 65.43 feet to a point, the place of beginning. BEING Lot No. 9, Block B, on Tract 2-A, Cumberland Park, recorded in Cumberland County Records in Plan Book 5, Page 22. HAVING THEREON ERECTED A DWELLING KNOWN AS 7 WILLIAM PENN DRIVE, CAMP HILL, PA 17011 TAX PARCEL NO. 13-24-0797-103 BEING THE SAME PREMISES WHICH Stephanie M. Butt et al, by deed dated 03/26/2007 and recorded 03/30/2007 in Cumberland County Record Book 279 Page 1797, granted and conveyed unto Bret M. Hemminger and Jenna M. Hemminger, husband and wife. TO BE SOLD AS THE PROPERTY OF BRET M. HEMMINGER AND JENNA M. HEMMINGER ON JUDGMENT NO. 13-5603 CIVIL ' 7196 9008 9111 3021 2778 7196 9008 9111 3021 2785 TO: JENNA M. HEMMINGER 313 GLENDALE DIRVE SHIREMANSTOWN, PA 17011 SENDER: P01455/40224 REFERENCE: NOS 09/03/14 PS Form 3800, January 2005 RETURN RECEIPT SERVICE Postage Certified Fee Return Receipt Fee Restricted Delivery Total Postage & Fees USPS. Receipt for Certified Mair No Insurance Coverer Provided Do Not Use for International Mail '9 30 2.70 5.05 5' TA_ ,1/4 fig teRK OR at, c4i 4(4 ........ 7196 9008 9111 3021 2761 TO: BRET M. HEMMINGER 313 GLENDALE DRIVE SHIREMANSTOWN, PA 17011 SENDER: P01455/40224 REFERENCE: NOS 09/03/14 PS Form 3800 Janua2005 RETURN RECEIPT SERVICE Postage Certified Fee 30 Return Receipt Fee 2 70 Restricted Delivery Total Postage & Fees USPS. Receipt for Certified Mail No Insurance Coverage Provided Do Not Use for International Mail PO IMARK OR DATE 4.1/14. 441 TO: JENNA M. HEMMINGER 7 WILLIAM PENN DRIVE CAMP HILL, PA 17011 SENDER: P01455/40224 REFERENCE: NOS 0903/14 PS Form 3800, Janua RETURN RECEIPT SERVICE rY Postage 2005 Certified Fee 3.30 Return Receipt Fee 2.70 Restricted Delivery Total Poitage & Fees 5.05i /I7f USPS. Receipt for , Certified Mair POSTclARX, 071...DATE d i No Insurance Coverage Provided Do Not U30 for International MO s v 1 7196 9008 9111 3021 2754 TO: BRET M. HEMMINGER 7 WILLIAM PENN DRIVE CAMP HILL, PA 17011 SENDER: P01455/40224 REFERENCE: NOS 09/03/14 PS Form 3800,January 2005 RETURN Postage RECEIPT Certified Fee SERVICE 6 Return Receipt Fee Restricted Delivery Total Postage & Fee 0 .70 5.05 USPS. Receipt for Certified Mair No Insurance Coverage Provided Do Not Use br International Mei Z \ erOS ARK pATE • j"-- wr."' PENNSYLVANIA HOUSING FINANCE AGENCY v. BRET M. HEMMINGER JENNA M. HEMMINGER Cumberland County Sale 9/3/2014 U. S. POSTAL SERVICE CERTIFICATE OF MAILING (In compliance with Postal Service Form 3877) Received from: Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 One piece of ordinary mail addressed to: BRET M. HEMMINGER 313 GLENDALE DRIVE SHIREMANSTOWN, PA 17011 Received from: Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 Postage: Postmark: U. S. POSTAL SERVICE CERTIFICATE OF MAILING (In compliance with Postal Service Form 3877) One piece of ordinary mail addressed to: JENNA M. HEMMINGER 313 GLENDALE DIRVE SHIREMANSTOWN, PA 17011 Received from: Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 Postage: Postmark: U. S. POSTAL SERVICE CERTIFICATE OF MAILING (In compliance with Postal Service Form 3877) One piece of ordinary mail addressed to: DOMESTIC RELATIONS Cumberland County Courthouse 13 North Hanover Street Carlisle, PA 17013 Postage: Postmark: PE __>PITNEY BOWES 021M $01.300 0004284324 JUN13 2014 MAILED FROM ZIP CODE 17102 PENNSYLVANIA HOUSING FINANCE AGENCY v. BRET M. HEMMINGER JENNA M. HEMMINGER Cumberland County Sale 9/3/2014 Received from: Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 U. S. POSTAL SERVICE CERTIFICATE OF MAILING (In compliance with Postal Service Form 3877) Postage: One piece of ordinary mail addressed to: Postmark: TENANT/OCCUPANT 7 WILLIAM PENN DRIVE CAMP HILL, PA 17011 U. S. POSTAL SERVICE CERTIFICATE OF MAILING (In compliance with Postal Service Form 3877) Received from: Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 One piece of ordinary mail addressed to: Members 1st Federal Credit Union 5000 Louise Drive Mechanicsburg, PA 17055 Received from: Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 Postage: Postmark: U. S. POSTAL SERVICE CERTIFICATE OF MAILING (In compliance with Postal Service Form 3877) One piece of ordinary mail addressed to: BRET M. HEMMINGER 7 WILLIAM PENN DRIVE CAMP HILL, PA 17011 Postage: Postmark: esrcaeti Go ;ES 02 1M CKa ,();C3 sq 0004204324 JUN13 2014 r4/MUF.0 FROM 7.0P CODE 17102 Received from: Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 U. S. POSTAL SERVICE CERTIFICATE OF MAILING fin compliance with Postal Service Form 3877) Postage: One piece of ordinary mail addressed to: Postmark: JENNA M. HEMMINGER 7 WILLIAM PENN DRIVE CAMP HILL, PA 17011 3 f� - PITNEY BOWES 0 2 1M $ 01.30° 0004284324 JUN 13 201 4 MAILED FROM ZIP CODE 1 710 2 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson54+1_ED-OAF lc Sheriff F 1 HE: PRO THONCJTAR Jody S Smith Chief Deputy Richard W Stewart Solicitor 01=FiCE Of TtrF .2014 OCT 21 PM 2:56 CUMBERLAND COUNTY PENNSYLVANIA US Bank National Association vs. Bret Michael Hemminger (et al.) Case Number 2013-5603 SHERIFF'S RETURN OF SERVICE 06/16/2014 06:20 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 7 William Penn Drive, Lower Allen - Township, Camp Hill, PA , Cumberland County. 06/16/2014 06:20 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: Jenna M Hemminger at 7 William Penn Drive, Lower Allen, Camp Hill, PA 17011, Cumberland County. 06/20/2014 06:05 PM - Deputy Shawn Harrison, 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 Jenna Hemminger, wife, who accepted as "Adult Person in Charge" for Bret Michael Hemminger at 313 Glendale Drive, Lower Allen Annex, Shiremanstown, PA 17011, Cumberland County. 09/03/2014 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 Wednesday, September, 3, 2014 at 10:00 a.m. He sold the same for the sum of $1.00 to Attorney Leon P. Haller, on behalf of U.S. Bank National Association Trustee for the Pennsylvania Housing Finance Agency, being the buyer in this execution, paid to the Sheriff the sum of $ SHERIFF COST: $868.60 SO ANSWERS, September 17, 2014 RONN'' R ANDERSON, SHERIFF a. pd .do ,sem / 1--/ 14 4 >Y/os.- , 3��,53 ici (:: our ty u:°a Sherilf..releosott, Inc. On May 23, 2014 the Sheriff levied upon the defendant's interest in the real property situated in Lower Allen Township, Known and numbered as, 7 William Penn Drive, Camp Hill, as Exhibit "A" filed with this Writ and by this Reference incorporated herein. -2 U, Date: May 23, 2014 By: Real Estate Coordinator The Patriot -News Co. 1900 Patriot Drive Mechanicsburg, PA 17050 Inquiries - 717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 he atriotNews 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 Amy Kotula, being duly sworn according to law, deposes and says: That she is a Staff Accountant 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 1900 Patriot Drive, 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. 2013.5603 Civil Term US BANK NATIONAL ASSOCIATION vs. BRET MICHAEL HEMMINGER Jenna M Hemminger Atty Leon P. Haller ALL THAT CERTAIN lot or piece of land situate in Lower Allen Township, Cumberland County, Pennsylvania, being Lot No. 9, Block B, on Tract 2-A, Cuniberland Park, recorded in Cumberland County Records in Plan Book 5, Page 22 AND HAVING THEREON EREC1LD A DWELLING KNOWN AS: 7 WILLIAM PENN DRIVE, CAMP HILL, PA 17011 TAX PARCEL NO. 13-24-0797-103 Cumberland County Record Book 279 Page 1797. TO BE SOLD AS THE PROPERTY OF BRET M. HEMMINGER AND JENNA M. HEMMINGER ON JUDGMENT NO. 13-5603 CIVIL This ad ran on the date(s) shown below: 07113114 07/20/14 07/27/14 subsc 'bed before me this 20 day of August, 2014 A.D. - 1 / 14 • .4\ ` rotary P-ubjj COMMONWEALTH OF PE INSYLVANIA NOTARIAL SEAL Sheryl Marie Leggore, Notary Public Hampden Twp., Cumberland County My Commission Expires July 16, 2018 MEMBER, PENNSYLVANIA ASSOCIATION OF NOTARIES 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 U.S. Bank, NA as Trustee for the Pennsyvlania Housing Finance Agency is the grantee the same having been sold to said grantee on the 3rd day of September A.D., 2014, under and by virtue of a writ Execution issued on the 28th day of May, A.D., 2014, out of the Court of Common Pleas of said County as of Civil Term, 2013 Number 5603, at the suit of U.S. Bank, NA as Trustee for the Pennsyvlania Housing Finance Agency against Brett M. Hemminger & Jenna M. Hemminger is duly recorded as Instrument Number 201424030. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal of said office this corder My Commi day of Recorder of Deeds ds, Cumberland County, Carlisle, PA ion Expires the First Monday of Jan. 2018