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Home My WebLink About13-6256 Supreme Court of Pennsylvania Cotti f & Comm" on Plus Civ l GoVet 9lieet For Frathaz�atar� Case OnLt. r^* r ? Cumberland Dock�etNo: ti countl ✓ J : L The information collected orz this form is used solely for court administration purposes. This form does not Supplement or replace the filing and service of leadin s or other papers as required by law or rules of court. Commencement of Action: ® Complaint ❑ Writ of Summons ❑ Petition S ❑ Transfer from another Jurisdiction ❑ Declaration of Takin E Lead Plaintiff Name: Lead Defendant's Name: Deutsche Bank Trust Company Americas formerly know as GREGORY CASNER, Solely in His Capacity as Heir of C Bankers Trust Company, as Trustee for Residential Asset HENRY B. CASNER, Deceased T Securities Corporation, Home Equity Mortgage Asset- HENRY BROWNAWELL, Solely in His Capacity as Heir I Dollar Amount Requested within arbitration limits O Are money Damages requested ?: ❑ Yes No (Check one) X outside arbitration limits 1 Is this a Class Action Suit? ❑ Yes ® NO Is this an MDJ Appeal? ❑ Yes ® NO A Name of Plaintiff /appellant's Attorney: KML Law Group, P.C. ❑ Check here if you are a Self-Represented Pro Se Litigant Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEAL ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Debt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑ Nuisance ❑ Dept. of Transportation S ❑ Premises Liability ❑ Zoning Board ❑ Product Liability (does not include ❑ Statutory Appeal: Other 1E mass tort) ❑Employment dispute: ❑ Slander/Libel Defamation Discrimination ❑ Employment Dispute: Other ❑ Other T ❑ Other: I Q MASS TORT ❑ Other ❑ Asbestos , ❑ Tobacco ❑ Toxic Tort - DES REAL PROPERTY MISCELLANEOUS ❑ Toxic Tort - Implant ❑ Ejectment ❑ Common Law /Statutory ❑ Toxic Waste ❑ Eminent Domain/Condemnation Arbitration $ ❑ Other ❑ Ground Rent ❑ Declaratory Judgment ❑ Landlord/Tenant Dispute ❑ Mandamus N Mortgage Foreclosure: Residential ❑ Non - Domestic Relations PROFESSIONAL LIA7 ❑ Mortgage Foreclosure: Commercial Restraining Order • Dental ❑ Partition ❑ Quo Warranto • Legal ❑ Quiet title ❑ Replevin ❑ Medical ❑ Other Professional: ❑ Other ❑ Other Pa.RCR 205.5 Updated 1/1/2011 KML LAW GROUP, P.C. SUITE 5000 - BNY MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106 (866) 413 -2311 W W W.KMLLAWGROI IP.COM DEUTSCHE BANK TRUST COMPANY AMERICAS IN THE COURT OF COMMON PLEAS FORMERLY KNOW AS BANKERS TRUST COMPANY, AS TRUSTEE FOR RESIDENTIAL ASSET SECURITIES OF Cumberland COUNTY CORPORATION, HOME EQUITY MORTGAGE ASSET - BACKED PASS - THROUGH CERTIFICATES, SERIES CIVIL ACTION - LAW 2002 -KS 1 3451 Hammond Avenue ACTION OF MORTGAGE FORECLOSURE Waterloo, IA 50702 VS. Plaints n ^�� No. GREGORY CASNER CIVIL. ACTION: 99RTr3A . HENRY BROWNAWELL MELVIN BROWNAWELL FOUCLO� CT3 � o RICHARD BROWNAWELL n SUSAN DARR, Solely in Their Capacity as Heirs of 7 0 C-1 HENRY B. CASNER, Deceased UNKNOWN HEIRS OF HENRY B. CASNER, Deceased 52 West Main Street Q CD p'l Plainfield, PA 17081 Defendant(s) 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. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row CLVt e I 07• 7 5 (4 a fcr Carlisle, PA 17013 �'CA - 750 $ )p 717- 243 -9400 AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decider a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICO. VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717 - 243 -9400 THIS 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. RESOURCES AVAILABLE FOR HOMEOWNERS IN FORECLOSURE ACT NOW! Even though your lender (and our client) has filed an Action of Mortgage Foreclosure against you, you still may be able to SAVE YOUR HOME FROM FORECLOSURE. 1). Call an attorney. For referrals to a qualified attorney call either of the following numbers: or 717- 243 -9400. 2). Call the Consumer Credit Counseling Agency at 1- 800 - 989 -2227 for free counseling. 3). Visit HUD'S website www.hud.gov for Help for Homeowners Facing the Loss of Their Homes. 4). Pennsylvania Housing Finance Agency also offers other loan programs that may assist homeowners in default. Please See the PHFA website http: / /www.phfa.org /consumers/homeowners /real.aspx 5). Call the Plaintiff (your lender) and ask to speak to someone about Loss Mitigation or Home Retention options. 6). Foreclosure Resource Center: http: / /www.philadelphiafed.ora /foreclosure/ 7). Call or contact our office to request the amount to bring the account current, or payoff the mortgage or request a Loan Workout / Home Retention Package. Call our toll free number at 1- 866 - 413 -2311 or via email at homeretention@kmllawgroup.com Call Seth at 215- 825 -6329 or fax 215- 825 -6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215- 825 -6318 or Fax: 215- 825 -6418. Please reference our Attorney File Number of 120087FC. Para informacion en espanol puede communicarse con Loretta al 215- 825 -6344. This Action of Mortgage Foreclosure will continue unless you take action to stop it. COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is DEUTSCHE BANK TRUST COMPANY AMERICAS FORMERLY KNOW AS BANKERS TRUST COMPANY, AS TRUSTEE FOR RESIDENTIAL ASSET SECURITIES CORPORATION, HOME EQUITY MORTGAGE ASSET - BACKED PASS - THROUGH CERTIFICATES, SERIES 2002 -KSI, 3451 Hammond Avenue, Waterloo, IA 50702. 2. The name(s) and address(es) of the Defendant(s) is /are GREGORY CASNER, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, 516 Hamilton Street, Harrisburg, PA 17102, HENRY BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, 1901 Douglas Drive, Carlisle, PA 17013, MELVIN BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, 102 Parsonage Street, Newille, PA 17241, RICHARD BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, 10 Hill Drive, Newville, PA 17241, SUSAN DARR, Solely in Her Capacity as Heir of HENRY B. CASNER, Deceased, 436 Factory Street, Carlisle, PA 17013 and UNKNOWN HEIRS OF HENRY B. CASNER, Deceased, 52 West Main Street, Plainfield, PA 17081. HELEN G. CASNER died on August 18, 2001 by operation of law title vests solely in HENRY B. CASNER and HELEN G. CASNER is hereby released of liability pursuant to PA. R.C. P. 1144. HENRY B. CASNER died on May 28, 2013 Intestate and is survived by His Heirs -at -Law MELVIN BROWNAWELL, RICHARD BROWNAWELL, HENRY BROWNAWELL, GREGORY CASNER and SUSAN DARR. 3. On October 26, 2001 mortgagor(s) made, executed and delivered a mortgage upon the Property hereinafter described to DECISION ONE MORTGAGE COMPANY, LLC, which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County on November 14, 2001 as Book 1738, Page 4707. The mortgage has been assigned to: DEUTSCHE BANK TRUST COMPANY AMERICAS F/K/A BANKERS TRUST COMPANY AS TRUSTEE FOR RASC 2002 -KS 1 by assignment of Mortgage . Plaintiff is the real party in interest pursuant to an Assignment of Mortgage to Plaintiff attached as Exhibit C. The Mortgage and Assignment(s) (if any) are matters of public record and are incorporated by this reference in accordance with Pennsylvania Rule of Civil Procedure 1019(g); which Rule relieves the Plaintiff from its obligation to attach documents to pleadings if those documents are matters of public record. 4. The Property subject to the Mortgage is more fully described in the legal description set forth as Exhibit "A" ( "Property "). 5. The mortgage is in default because the monthly payments of principal and interest are due and unpaid for August 01, 2012 and each month thereafter and by the terms of the Mortgage, upon default in such payments for a period of one month or more, the entire principal balance and all interest due and other charges are due and collectible. 6. The following amounts are due to Plaintiff on the Mortgage as of July 2, 2013: Principal Balance ................................ ............................... .....................$27,014.01 Interest from 07/01 /2012 to 07/02/2013 at 9. 9900 % .......... ......................$2,706.07 Per Diem interest rate at $7.39 LateCharges ......................................... ............................... ........................$354.42 Monthly late charge amount at $32.22 Escrow................................................... ............................... ........................$646.37 Expense Advances ................................ ............................... ........... .............$250.00 $30,970.87 7. Plaintiff is not seeking a judgment of personal liability (or an " personam judgment) against the Defendants in this Action but reserves its right to bring a separate Action to establish that right, if such right exists. If Defendants have received a discharge of their personal liability in a Bankruptcy proceeding, this Action of Mortgage Foreclosure is, in no way, an attempt to re- establish the personal liability that was discharged in Bankruptcy, but only to foreclose the Mortgage and sell the Property pursuant to Pennsylvania law. 8. Notice of Intention to Foreclose and a Notice of Homeowners' Emergency Mortgage Assistance has been sent to Defendants by certified and regular mail, as required by Act 160 of 1998 of the Commonwealth of Pennsylvania, on the date(s) set forth in the true and correct copy of such notice(s) attached hereto as Exhibit `B ". The Defendants have not had the required face -to -face meeting within the required time and Plaintiff has no knowledge of any such meeting being requested by the Defendants through the Plaintiff, the Pennsylvania Housing Finance Agency, or any appropriate Consumer Credit Counseling Agency. WHEREFORE, Plaintiff demands a de terris judgment in mortgage foreclosure in the sum of $30,970.87, together with interest at the rate of $7.39, per day and other expenses, costs and charges incurred by the Plaintiff which are properly chargeable in accordance with the terms of the Note and Mortgage and Pennsylvania law, including but not limited to attorney fees and costs, until the Mortgage is paid in full, and for the foreclosure of the Mortgage and Sheriff's Sale of the Property. By: KML LAW GROUP, P.C. Michael McKeever Pa. ID 56129 Jay E. Kivitz Pa. ID 26769 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Joshua 1. Goldman Pa. ID 205047 Jill P. Jenkins Pa. ID 306588 Andrew F. Gornall Pa. ID 92382 Alyk L. Oflazian Pa. ID 312912 Salvatore Filippello Pa. ID 313897 Attorneys for Plaintiff VERIFICATION 1, hereby state that I am Authortzed Signer of Ocwen Loan Servicing, LLC, mortgage servicing agent for Plaintiff in this matter. The Plaintiff has delegated the mortgage servicing responsibility to Ocwen Loan Servicing, LLC for the mortgage loan which is the subject of this action. Ocwen Loan Servicing, LLC, maintains and is in control of all documents and records supporting the statements in the foregoing complaint and therefore the servicer, rather than the Plaintiff, is the appropriate entity to make this verification. I have reviewed the business records relating to this account, and am authorized to make this verification. I hereby verify that the statements a made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of my information and belief. I understand that this statement is made subject to the penalties of 18 Pa. C.S. Sec. §4904 relating to unworn falsification to authorities. Date: Name: '1=A1tMM VrmSW Title: Adhorized Signer OCWEN LOAN SERVICING, LLC (Servicing Agent for Plaintiff) #120087FC- GREGORY CASNER, Soley in His Capacity as Heir of HENRY B. CASNER, Deceased, HENRYBROWNAWELL, Soley in His Capacity as Heir of HENRY B. CASNER, Deceased, MELVIN BROWNAWELL, Soley in His Capacity as Heir of HENRY B. CASNER, Deceased, RICHARD BROWNAWELL, Soley in His Capacity as Heir of HENRY B. CASNER, Deceased, SUSAN DARR, Soley in Her Capacity as Heir of HENRY B. CASNER, Deceased and UNKNOWN HEIRS OF HENRY B. CASNER, Deceased 52 West Main Street Plainfield, PA 17081 EythibitA File No. LAN146 -630 SCHEDULE A ALL THAT CERTAIN messuage and lot of ground situate in the Village of Plainfield, West Ponmsboro Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at a point on the State Road leading from Newville to Carlisle; thence by lands now or formerly of William Lehman, South 17 1 /7 degrees West, Two and Eight Tenths (2.8) perches to a post; thence South 1 % degrees West, Thirteen and Four Tenths (13.4) perches to a post in an Alley; thence by said Alley, South 86'/. degrees East, Two and Six Tenths (2.6) perches to a post; thence by land now or formerly of Pearl Bitncr, North 2'% degrees Bast, Twelve and One Tenth (12.1) perches to a post; thence north 64 % degrees West, Four Tenth (0.4) of a perch to a post; thence North 18'/. degrees East, Three and Three Tenths (3.3) perches to a post; thence North 71 % degrees West, Two and Six Tenths (2.6) perches to a point on the State Road, the Place of BEGINNING. THE above described premises contain Forty-two (42) perches, neat measure, and have thereon erected a two and one-half story frame dwelling house and other improvements. BEING Parcel No. 46 -18- 1394 -090. E.x�fi CB *Exhibit has been redacted to remove allpersonally identifiable information or non-public information Ocwen Loan Servicing, LLC PO Box 780 3451 Hammond Avenue Waterloo , IA 50704 -0780 DATE OF NOTICE: 07/25/ 13 ACT 91 NOTICE TA'Kv%M ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on vour 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 HOMEOWNE EMERGENCY MORTGAGE ASSISTANCE PROGRAM fflEMAP) may be able to help to save your home. This Notice explains how the Urogram works. To see IfHEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY W ITHIN 33 DAYS OF THE DATE OF MIS NOT CE. Take t 's Notice with you when You meet with the Counseling Agency. The name address and nhone number of n umer Credit Counseling Agencies serving our County are listed at the end of this Notice. If you have any agestions, you may call the Pennsylvania Housing Finance Agency toil free at 1- 800- 342 -2397 (Persons with impaired hearing; can call (717) 780- 18691. 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 NOTTFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, DUES 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. HOMEOWNER'S NAME(S): MELVIN BROWNAWELL ADDRESS: 52 WEST MAIN STREET PLAINFIELD PA 17081 LOAN ACCOUNT NUMBER: X4495 ORIGINAL LENDER: DECISION ONE MORTGAGE COMPANY, LLC CURRENT LENDER/SERVICER: Ocwen Loan Servicing, LLC Ocwen Loan Servicing, LLC PO Box 780 3451 Hammond Avenue Waterloo ]A 50704-0780 DATE OF NOTICE: 07/25/13 ACT 91 NOTICE 'TAI <Xv ACTION. TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached Pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help, vou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE QIFTHIS NOTICE. Take this Notice with yop when You meet with th, Counseling A - ency. 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 I- 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, DUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. ST 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. HOMEOWNER'S NAME(S): MELVIN BROWNAWELL ADDRESS: 102 PARSONAGE STREET NEWVILLE PA 17241 LOAN ACCOUNT NUMBER: X1495 ORIGINAL LENDER: DECISION ONE MORTGAGE COMPANY, LLC CURRENT LENDER/SERVICER: Ocwen Loan Servicing, LLC Ocwen Loan Servicing, LLC PO Box 780 3451 Hammond Avenue Waterloo , IA 50704 -0780 DATE OF NOTICE: 07/25/13 ACT 91 NOTICE TAIKEEd ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is_an_offcial notice that the mortgage on your home is in default, and the lender intends to foreclose, Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling en The name address and phone numb er of onsume ed't u sell A enc`e serving o County are fisted at the end of this otice. f ou have an you may call the Penn Ivania Housin g Finance A enc o11 see at - $00 -342 -2397 (Persons with impaired easing can call (717) 780 - 1$91. 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 U%IPORTANCIA, 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 f 4 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM," EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): RICHARD BROWNAWELL ADDRESS: 52 WEST MAIN STREET PLAINFIELD PA 17081 LOAN ACCOUNT NUMBER: 11111111111111114495 ORIGINAL LENDER: DECISION ONE MORTGAGE COMPANY, LLC CURRENT LENDER/SERVICER: Ocwen Loan Servicing, LLC Ocwen Loan Servicing, LLC PO Box 780 3451 Hammond Avenue Waterloo IA 50704-0780 DATE OF NOTICE: 07/25/13 AC T 91 NO TICE T X%,E ACTION TO SAVE "L YOUR HOME FROM FORECLOSURE This is an offi notice that the mortgage on your h ome in default en , and the lender int i S -.-ds. to,foreclose. Specif c information about the nature of the default is vrovided in the attached pages, The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM EMAP may be able to help to save your b2ne. This Notice explains how the -prog ram .wQrks, To see if HEMAP can help., you must MEE T-WI—TH A CONSUMER CR 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, a s and,phone number of Consumer Credit Counseline Agencies serving your County are listed at the e of this Notice. if you have any questions, you may call the Pennsylvania Housing Finange Agency toll f ee at I- 800-342-2397 (Persons with impaired bearing can call (717) 780-18.9 0) 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 IMPORTANCJA, DUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. S1 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 OVAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): RICHARD BROWNAWELL ADDRESS: 10 HILL DRIVE NEWVILLE PA 17241 LOAN ACCOUNT NUMBER: 1111111111111114495 ORIGINAL LENDER: DECISION ONE MORTGAGE COMPANY, LLC CURRENT LENDER/SERVICER: Oewen.Loan Servicing, LLC Ocwen Loan Servicing, LLC PO Box 790 3451 Hammond Avenue Waterloo ]A 50704-0780 DATE OF NOTICE: 07/25/13 ACT 91 NOTICE TAI A +C'T IN T SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on Your home is in default, and the lender intend, to foreclose. St)ecific 5- information abguttlic,patore.,of the default is yr9vJjJ gd 'n the at (ached pages, The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help, to save your home, This Notice explains how the program works. To see if HEMAr,gan help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY W ITHIN 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 our C91juty are listed at the end of this Notice. If you have an ggestions,� You may call the Pennsylvania Liousiniz Finance Agency t . -Qllfree I- at 800- 41-2397 (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, DUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENEDO DE ESTA NOTIFICACION, OBT 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. HOMEOWNER'S NAME(S). HENRY BROWNAWELL ADDRESS: 52 WEST MAIN STREET PLAINFIELD PA 17081 LOAN ACCOUNT NUMBER: X4495 ORIGINAL LENDER: DECISION ONE MORTGAGE COMPANY, LLC CURRENT LENDER/SERVICER: Ocwen Loan Servicing, LLC Ocwen Loan Servicing, LLC PO :Box 780 3451 .Hammond Avenue Waterloo , IA 50704 -0780 DATE OF NOTICE: 07/25/13 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 MOR'T'GAGE ASSISTANCE PROGRAM (HEMAP) may be able to helm to save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THI NO CE. ake th's Notice with you when 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) 7804869). 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 rind a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION, OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMEEO 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. HOMEOWNER'S NAME(S): HENRY BROWNAWELL ADDRESS: 1901 DOUGLAS DRIVE CARLISLE PA 17013 LOAN ACCOUNT NUMBER: 14495 ORIGINAL LENDER: DECISION ONE MORTGAGE COMPANY, LLC CURRENT LENDER/SERVICER: Ocwen Loan Servicing, LLC Ocwen Loan Servicing, LLC PO Box 780 3451 Hammond Avenue Waterloo IA 50704-0780 DATE OF NOTICE 07/25/13 ACT 91 NOTICE TAl[% 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 Rages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help, to save your home. This Notice "Plains 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 NOTIrE. Take this Notice with you when you meet with th Counseling Agency. The name, address and phone number of Consumer Credit Counseling Apengigi serving your Counil are listed at the end of this Notice. lfv(,)u have any guystions-, vou may call the Pennsylvania Housine Finance Agency toll freent I- 800-342-2397 (Persons with impaired hearing can call (717) 78Q-1869), This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR, VIVIENDO EN SU CASA. SI NO COMPRENDE, EL CONTENIDO DE ESTA NOTIFICACION, OBTENGA UNA TRADUCCION INMEDJATAMENTE 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. HOMEOWNER'S NAME(S): GREGORY CASNER ADDRESS: 52 WEST MAIN STREET PLAINFIELD PA 17081 LOAN ACCOUNT NUMBER: X495 ORIGINAL LENDER: DECISION ONE MORTGAGE COMPANY, LLC CURRENT LENDER/SERVICER: Ocwen Loan Servicing, LLC Ocwen Loan Servicing;, LLC PO Box 780 3451 Hammond Avenue Waterloo , IA 50744 -0780 DATE OF NOTICE: 07/25/13 ACS" 91 NOTICE T AIC1 ACTION TOS AVE YOUR BIOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default and the lender intends to fo ec ose. Specific information akout the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM EMAP) may be able to help to save your home. This Notice explains how the program works. To see if HE AP 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 obone number of Cqn5umer Agencies serving our County are listed at th end of this Notice If you have any auestians,you may call the Pennsylvania Housing*, Finance Agency toll free aT l ,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 SU11rr A IMPORTANCIA, PUES 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 SAL'V'AR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): GREGORY CASNER ADDRESS: 516 HAMILTON STREET HARRISBURG PA 17102 LOAN ACCOUNT NUMBER: X495 ORIGINAL LENDER: DECISION ONE MORTGAGE COMPANY, LLC CURRENT LENDER/SERVICER: Ocwen Loan Servicing, LLC Ocwen Loan. Servicing, LLC PO Box 780 3451 Hammond Avenue Waterloo , IA 50704 -0780 DATE OF NOTICE: 07/25/13 ACT 91 NOTICE TAIL ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when your meet with the Counseling Agency. The name address and phone number of Qnsu me redit Counseling cies serving your County are listed at the end of this Notice. If you have any questions, au may call the Pennsylvania Finance en cy t ll free at 1- 800-342-2397 Mersons with im sire - hearing can call 7 8 - b . This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR 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 REDU%M SU HIPOTECA. HOMEOWNER'S NAME(S): SUSAN DARR ADDRESS: 52 WEST MAIN STREET PLAINFIELD PA 17081 LOAN ACCOUNT NUMBER: X4445 ORIGINAL LENDER: DECISION ONE MORTGAGE COMPANY, LLC CURRENT LENDER/SERVICER: Oewen Loan Servicing, LLC Ocwen Loan Servicing, . LLC PO Box 780 3451 Hammond Avenue Waterloo , JA 50704 -0780 "� DATE OF NOTICE: 07/25/13 ACT 91 NOTICE TAB ACTION. TO SAVE YOUR :DOME FROM FORECLOSURE This is an official notice that the mortgage on vour home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM HEMAP may be able to help to save Your hoMe, `his Notice explains how the program works. To see if HEMAP can help, ou 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 A ney. 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 - 1.869). 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, DUES 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 ELEGIRLE 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 HIl'OTECA. HOMEOWNER'S NAME(S): SUSAN DARK ADDRESS: 436 FACTORY STREET CARLISLE PA 1701 LOAN ACCOUNT NUMBER: X495 ORIGINAL LENDER DECISION ONE MORTGAGE COMPANY, LLC CURRENT LENDER/SERVICER: Ocwen Loan Servicing, LLC 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 ofthe designated consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT 33 DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MOMAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS BOW 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 pro g= located are set forth at the end of this Notice. It is only necessary to schedule one face -to -face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE — Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received 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 TIME 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 :INFORMATIONAL 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 52 WEST MAIN STREET PLAINFIELD PA 17081 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS .for the following months and the following amounts are now past due: a) Monthly Payments from 08/01/12 through 07/01/13 $ 9219.28 b) Late charges from 08/41/12 through 07/01/13 $ 386.64 c) Other charges: (Escrow, Inspection Fees, other) $ 0.00 d) Other provisions of the mortgage obligation, if any $0.00 e) Less Suspense Balance $- 0.00 f) TOTAL AMOUNT REQUIRED AS OF THIS DATE: $ 9605.92 HOW TO CURE THE DEFAULT — You may cure the default within THIRTY -THREE (33) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER WHICH IS $ 9605.92, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY -THREE (33) DAY PERIOD. Payments must be made either_by cashier's check, certified check or money order made payable and sent to: LENDER NAME: Oewen Loan Servicing, LLC ADDRESS: PO Box 780 3451 Hammond Avenue Waterloo , IA 50704 -0780 IF YOU DO NOT CURE THE DEFAULT — if you do not cure the default within THIRTY - THREE (33) 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-THREE (33) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose anon your mortgat=_cd nronerty. 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 - THREE (33) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and preyent_the sale at an time ime up to one hour before the Sheriffs Sale. You may do so by paving the total amount then past due, plus any to or other char es then due reasonable attorney's fees and costs connected with the foreclosures 1 and an other cast connected with t a Sheriff's Sale asspecified in writing by the lender and by erfo r -- mingany other re u'rements 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 Sheriffs Sale of the mortgaged property could be held would be approximately four (4) to six ffi Months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Ocwen Loan Servicing, LLC Address: PO .Box 780 3451 Hammond Avenue Waterloo , IA 50704 -0780 Phone Number: 800 - 8504622 Fax Number 866- 7094744 Contact Person: Collection Department Email Address: Ocwen.mortgagebanksite.com *If you prefer to contact us via email, please access our website at the above address. 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 Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTAGE — You may or may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: * TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF TI41S 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. 5041 HEMAP Consumer Credit Counseling Agencies ADAMS County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Housing Alliance of York/Y Housing Resources 2000 Linglestown Road 290 West Market Street Harrisburg, PA 17102 York, PA 17401 888 -511 -2227 717- 855 -2752 Maranatha PA Interfaith Community Programs Inc 43 Philadelphia Avenue 40 E High Street Waynesboro, PA 17268 Gettysburg, PA 17325 717- 762 -3285 717 - 334 -1518 ALLEGHENY County Report last updated: 09/20/2012 03:40 PM Action Housing, Inc Advantage Credit Counseling Service /CCCS of Western PA 425 6th Avenue River Park Commons Suite 950 2403 Sidney Street, Suite 400 Pittsburgh, PA 15219 Pittsburgh, PA 15203 412 - 281 -2102 800 - 792 -2801 888 -511 -2227 Community Action Southwest Fair Housing Partnership of Greater Pittsburgh, Inc. 58 East Greene Street 2840 Liberty Avenue Waynesburg, PA 15370 Suite 205 724 - 852 -2893 Pittsburgh, PA 15222 412 - 391 -2535 Garfield Jubilee Associates Mon Valley Unemployment Committee 5138 Penn Avenue 338 E Ninth Avenue Pittsburgh, PA 15224 2nd Floor 412- 665 -5200 Homestead, PA 15120 412 -462 -9962 Nazareth Housing Services NeighborWorks of Western Pennsylvania 301 Bellevue Road 710 5th Avenue Pittsburgh, PA 15229 Suite 1000 412 - 931 -6996 Pittsburgh, PA 15219 412 - 281 -9773 Pennsylvania Housing Finance Agency Urban League Of Pittsburgh 2275 Swallow Hill Road 610 Wood Street Bldg 200 Pittsburgh, PA 15222 Pittsburgh, PA 15220 412- 227 -4802 412- 429 -2842 ARMSTRONG County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Armstrong County Community Action Agency Royal Remax Plaza 705 Butler Road 917 A Logan Boulevard Kittanning, PA 16201 Altoona, PA 16602 724 -545 -3659 888 -511 -2227 HEMAP Consumer Credit Counseling Agencies ARMSTRONG County (Continued...) Report last updated: 09/20/2012 03:40 PM Indiana Co. Community Action Program NeighborWorks of Western Pennsylvania 827 Water Street 710 5th Avenue Box 187 Suite 1000 Indiana, PA 15701 Pittsburgh, PA 15219 724 - 465 -2657 412 - 281 -9773 BEAVER County Report last updated: 09/20/2012 03:40 PM Action Housing, Inc Housing Opportunities of Beaver County 425 6th Avenue 282 East End Suite 950 Unit 1 Pittsburgh, PA 15219 Beaver, PA 15009 412- 281 -2102 800 - 792 -2801 724 - 728 -7511 NeighborWorks of Western Pennsylvania 710 5th Avenue Suite 1000 Pittsburgh, PA 15219 412 - 281 -9773 BEDFORD County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Royal Remax Plaza 917 A Logan Boulevard Altoona, PA 16602 888 -511 -2227 BERKS County Report last updated: 09/20/2012 03:40 PM American Credit Counseling Institute Budget Counseling Center 100 Porter Road 247 North Fifth Street Suite 108 Reading, PA 19601 Pottstown, PA 19464 610 - 375 -7866 888 - 212 -6741 Community Action Committee Money Management International of the Lehigh Valley 2101 Centre Avenue 1337 East Fifth Street (located at CTCE Credit Union) Bethlehem, PA 18015 Reading, PA 19605 610 - 691 -5620 888 - 845 -5669 Neighborhood Housing Services of Greater Berks, Inc. Schuylkill Community Action 213 N 5th Street 225 N. Centre Street Suite 1030 Pottsville, PA 17901 Reading, PA 19601 570- 622 -1995 610 - 372 -8433 HEMAP Consumer Credit Counseling Agencies BLAIR County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Blair County Community Action Agency Royal Remax Plaza 2100 6th Avenue Suite 102 917 A Logan Boulevard PO Box 1833 Altoona, PA 16602 Altoona, PA 16602 888 -511 -2227 814 - 946 -3651 CCCS of Northeastern PA 129 Rolling Ridge Drive State College, PA 16801 814- 238 -3668 800 - 922 -9537 BRADFORD County Report last updated: 09/20/2012 03:40 PM CCCS of Northeastern PA CCCS of Northeastern PA 401 Laurel Street 201 Basin Street Pittston, PA 18640 Suite 6 570- 602 -2227 800 - 922 -9537 Williamsport, PA 17701 570- 323 -6627 800 - 922 -9537 CCCS of Northeastern PA PA Interfaith Community Programs Inc. 411 Main Street 630 Lincoln Street Suite 104 Milton, PA 17847 Stroudsburg, PA 18360 570- 742 -3399 570- 420 -8980 800 - 922 -9537 Trehab Center of Northeastern PA 147 Oak Ridge Drive Towanda, PA 18848 570- 265 -6179 800 - 982 -4045 BUCKS County Report last updated: 09/20/2012 03:40 PM American Credit Alliance American Credit Counseling Institute 2 South Delmorr Avenue 100 Porter Road Morrisville, PA 19067 Suite 108 215- 295 -7195 Pottstown, PA 19464 888 - 212 -6741 American Credit Counseling Institute Bucks County Housing Group 586 West Street Road 2324 Second Street Pike Warminster, PA 18974 Suite 17 215- 444 -9429 888 - 212 -6741 Wrightstown, PA 18940 866 - 866 -0280 Bucks County Housing Group Bucks County Housing Group 200 West Bridge Street 349 Durham Road Morrisville, PA 19067 Penndel, PA 19047 866 - 866 -0280 866 - 866 -0280 HEMAP Consumer Credit Counseling Agencies BUCKS County (Continued...) Report last updated: 09/20/2012 03:40 PM Bucks County Housing Group Bucks County Housing Group 470 Old Dublin Pike 515 West End Boulevard Doylestown, PA 18901 Quakertown, PA 18951 866 - 866 -0280 866 - 866 -0280 Clarifi /CCCS of Delaware Valley Clarifi /CCCS of Delaware Valley 1608 Walnut Street Catholic Social Services Building 10th Floor 7340 Jackson Street Philadelphia, PA 19107 Philadelphia, PA 19136 215 -563 -5665 215 -563 -5665 Clarifi /CCCS of Delaware Valley Clarifi /CCCS of Delaware Valley 4400 North Reese Street 101 Greenwood Avenue Philadelphia, PA 19140 Suite LC -70 215 -563 -5665 Jenkintown, PA 19046 215 -563 -5665 Credit Counseling Center Credit Counseling Center 832 Second Street Pike 60 North Main Street Richboro, PA 18954 Lower Level 215- 348 -8003 877 - 900 -4222 Doylestown, PA 18901 215- 348 -8003 877 - 900 -4222 Credit Counseling Center Diversified Community Services 8150 Route 13 Dixon House Levittown, PA 19057 1920 South 20th Street 215- 348 -8003 877 - 900 -4222 Philadelphia, PA 19145 215- 336 -3511 HACE HACE 167 W Allegheny Avenue 4660 Frankford Avenue 2nd Floor Philadelphia, PA 19124 Philadelphia, PA 19140 215437 -7867 215- 426 -8025 Intercultural Family Services, Inc. Northwest Counseling Service 4225 Chestnut Street 5001 North Broad Street Philadelphia, PA 19104 Philadelphia, PA 19141 215- 386 -1298 215- 324 -7500 Urban League of Philadelphia 121 S Broad St 9th Floor Philadelphia, PA 19107 215- 985 -3220 HEMAP Consumer Credit Counseling Agencies BUTLER County Report last updated: 09/20/2012 03:40 PM Action Housing, Inc Advantage Credit Counseling Service /CCCS of Western PA 425 6th Avenue River Park Commons Suite 950 2403 Sidney Street, Suite 400 Pittsburgh, PA 15219 Pittsburgh, PA 15203 412 - 281 -2102 800 - 792 -2801 888 -511 -2227 Housing Authority of Butler County NeighborWorks of Western Pennsylvania 114 Woody Drive 710 5th Avenue Butler, PA 16001 Suite 1000 724 - 287 -6797 Pittsburgh, PA 15219 412- 281 -9773 CAMBRIA County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Indiana Co. Community Action Program Royal Remax Plaza 827 Water Street 917 A Logan Boulevard Box 187 Altoona, PA 16602 Indiana, PA 15701 888 -511 -2227 724 -465 -2657 CAMERON County Report last updated: 09/20/2012 03:40 PM CCCS of Northeastern PA Northern Tier Community Action Corp. 129 Rolling Ridge Drive P.O. Box 389 State College, PA 16801 135 West 4th Street 814 - 238 -3668 800 - 922 -9537 Emporium, PA 15834 814486 -1161 CARBON County Report last updated: 09/20/2012 03:40 PM American Credit Counseling Institute American Credit Counseling Institute 212 Berwick - Hazelton Hwy 827 N 19th Street Nescopeck, PA 18635 Allentown, PA 18104 888 - 468 -8847 888 -468 -8847 American Credit Counseling Institute Comm. on Econ Opportunity of Luzerne County Route 115 165 Amber Lane Time Plaza Suite 3 Wilkes- Barre, PA 18702 Blakeslee, PA 18610 570- 826 -0510 800 - 822 -0359 888 - 468 -8847 Community Action Committee CCCS of Northeastern PA of the Lehigh Valley 401 Laurel Street 1337 East Fifth Street Pittston, PA 18640 Bethlehem, PA 18015 570- 602 -2227 800 - 922 -9537 610- 691 -5620 HEMAP Consumer Credit Counseling Agencies CARBON County (Continued...) Report last updated: 09/20/2012 03:40 PM CCCS of Northeastern PA CCCS of Northeastern PA 411 Main Street 214 W. Walnut Street Suite 104 Hazleton, PA 18201 Stroudsburg, PA 18360 800 - 922 -9537 570- 420 -8980 800 - 922 -9537 Money Management International Money Management International 3671 Crescent Court East 306 Spring Garden Street Whitehall, PA 18052 Easton, PA 18042 888 - 845 -5669 888 - 845 -5669 Schuylkill Community Action 225 N. Centre Street Pottsville, PA 17901 570- 622 -1995 CENTRE County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Central Pennsylvania Community Action, Inc. Royal Remax Plaza PO Box 792 917 A Logan Boulevard 207 East Cherry Street Altoona, PA 16602 Clearfield, PA 16830 888 -511 -2227 814 - 765 -1551 CCCS of Northeastern PA CCCS of Northeastern PA 129 Rolling Ridge Drive 201 Basin Street State College, PA 16801 Suite 6 814- 238 -3668 800 - 922 -9537 Williamsport, PA 17701 570- 323 -6627 800 - 922 -9537 Lycoming - Clinton Co (STEP) 2138 Lincoln Street P.O. Box 3568 Williamsport, PA 17703 570- 326 -0587 CHESTER County Report last updated: 09/20/2012 03:40 PM American Angel Housing Counsetiing/RHD American Credit Counseling Institute 102 Pickering Way 227 E Chestnut Street Suite 200 1st Floor Exton, PA 19341 Coatesville, PA 19320 610 - 768 -2811 888 - 212 -6741 American Credit Counseling Institute APM 100 Porter Road 600 W Diamond Street Suite 108 Philadelphia, PA 19122 Pottstown, PA 19464 215- 235 -6070 888 - 212 -6741 HEMAP Consumer Credit Counseling Agencies CHESTER County (Continued...) Report last updated: 09/20/2012 03:40 PM Budget Counseling Center Chester Community Improvement Project 247 North Fifth Street 412 Avenue of the States Reading, PA 19601 PO Box 541 610- 375 -7866 Chester, PA 19016 610- 876 -8663 Clarifi /CCCS of Delaware Valley Clarifi /CCCS of Delaware Valley 770 E Market Street 4400 North Reese Street Suite 190 Philadelphia, PA 19140 West Chester, PA 19382 215 -563 -5665 215 -563 -5665 Diversified Community Services RACE Dixon House 167 W Allegheny Avenue 1920 South 20th Street 2nd Floor Philadelphia, PA 19145 Philadelphia, PA 19140 215- 336 -3511 215426 -8025 HACE Intercultural Family Services, Inc. 4660 Frankford Avenue 4225 Chestnut Street Philadelphia, PA 19124 Philadelphia, PA 19104 215- 437 -7867 215- 386 -1298 Media Fellowship House Money Management International 302 South Jackson Street 265 West High Street Media, PA 19063 Suite 2 610 -565 -0434 Pottstown, PA 19464 888 - 845 -5669 Northwest Counseling Service Phila Council For Community Advmnt 5001 North Broad Street 1617 John F Kennedy Blvd Philadelphia, PA 19141 Suite 1550 215- 324 -7500 Philadelphia, PA 19103 215 -567 -7803 800 - 930 -4663 Tabor Community Services, Inc. Urban League of Philadelphia 308 E King Street 121 S Broad St Suite 1 9th Floor Lancaster, PA 17602 Philadelphia, PA 19107 717 - 397 -5182 800 - 788 -5062 215- 985 -3220 CLARION County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA River Park Commons 2403 Sidney Street, Suite 400 Pittsburgh, PA 15203 888 -511 -2227 HEMAP Consumer Credit Counseling Agencies CLEARFIELD County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Central Pennsylvania Community Action, Inc. Royal Remax Plaza PO Box 792 917 A Logan Boulevard 207 East Cherry Street Altoona, PA 16602 Clearfield, PA 16830 888 -511 -2227 814 - 765 -1551 CCCS of Northeastern PA Indiana Co. Community Action Program 129 Rolling Ridge Drive 827 Water Street State College, PA 16801 Box 187 814- 238 -3668 800 - 922 -9537 Indiana, PA 15701 724465 -2657 CLINTON County Report last updated: 09/20/2012 03:40 PM CCCS of Northeastern PA CCCS of Northeastern PA 129 Rolling Ridge Drive 201 Basin Street State College, PA 16801 Suite 6 814- 238 -3668 800 - 922 -9537 Williamsport, PA 17701 570- 323 -6627 800 - 922 -9537 Lycoming- Clinton Co (STEP) PA Interfaith Community Programs Inc. 2138 Lincoln Street 630 Lincoln Street P.O. Box 3568 Milton, PA 17847 Williamsport, PA 17703 570- 742 -3399 570- 326 -0587 COLUMBIA County Report last updated: 09/20/2012 03:40 PM American Credit Counseling Institute CCCS of Northeastern PA 212 Berwick - Hazelton Hwy 401 Laurel Street Nescopeck, PA 18635 Pittston, PA 18640 888 - 468 -8847 570- 602 -2227 800 - 922 -9537 CCCS of Northeastern PA CCCS of Northeastern PA 201 Basin Street 702 Sawmill Road Suite 6 Bloomsburg, PA 17815 Williamsport, PA 17701 800 - 922 -9537 570- 323 -6627 800 - 922 -9537 CCCS of Northeastern PA CCCS of Northeastern PA 214 W. Walnut Street 217 N. Center Street Hazleton, PA 18201 Sunbury, PA 17801 800 - 922 -9537 800 - 922 -9537 Lycoming - Clinton Co (STEP) PA Interfaith Community Programs Inc. 2138 Lincoln Street 630 Lincoln Street P.O. Box 3568 Milton, PA 17847 Williamsport, PA 17703 570- 742 -3399 570- 326 -0587 HEMAP Consumer Credit Counseling Agencies CRAWFORD County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Center for Family Services, Inc. 4402 Peach Street 213 Center Street Erie, PA 16509 Meadville, PA 16335 888 -511 -2227 814 - 337 -8450 Greater Erie Community Action Committee Shenango Valley Urban League, Inc. 18 West 9TH Street 601 Indiana Avenue Erie, PA 16501 Farrell, PA 16121 814- 459 -4581 724 - 981 -5310 St. Martin Center 1701 Parade Street Erie, PA 16503 814- 452 -6113 CUMBERLAND County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888 -511 -2227 717 -232 -9757 Housing Alliance of York/Y Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York, PA 17401 Waynesboro, PA 17268 717- 855 -2752 717- 762 -3285 PA Interfaith Community Programs Inc PHFA 40 E High Street 211 North Front Street Gettysburg, PA 17325 Harrisburg, PA 17110 717 - 334 -1518 717 - 780 -3940 800 - 342 -2397 DAUPHIN County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888 -511 -2227 717 - 232 -9757 PHFA 211 North Front Street Harrisburg, PA 17110 717- 780 -3940 800 - 342 -2397 HEMAP Consumer Credit Counseling Agencies DELAWARE County Report last updated: 09/20/2012 03:40 PM American Angel Housing Counseling/RHD American Credit Counseling Institute 150 North Radnor Chester Road 526 -528 Dekalb Street Suite F 200 Norristown, PA 19401 Radnor, PA 19087 610 - 971 -2210 888 - 212 -6741 610- 768 -2811 American Credit Counseling Institute APM 6800 Market Street 600 W Diamond Street 1 st Floor Philadelphia, PA 19122 Upper Darby, PA 19082 215- 235 -6070 888 - 212 -6741 Chester Community Improvement Project Clarifi /CCCS of Delaware Valley 412 Avenue of the States 1608 Walnut Street PO Box 541 10th Floor Chester, PA 19016 Philadelphia, PA 19107 610- 876 -8663 215 -563 -5665 Clarifi /CCCS of Delaware Valley Clarifi /CCCS of Delaware Valley 280 North Providence Road 770 E Market Street Media, PA 19063 Suite 190 215 -563 -5665 West Chester, PA 19382 215 -563 -5665 Clarifi /CCCS of Delaware Valley Diversified Community Services 4400 North Reese Street Dixon House Philadelphia, PA 19140 1920 South 20th Street 215 -563 -5665 Philadelphia, PA 19145 215- 336 -3511 HACE HACE 167 W Allegheny Avenue 4660 Frankford Avenue 2nd Floor Philadelphia, PA 19124 Philadelphia, PA 19140 215437 -7867 215- 426 -8025 Intercultural Family Services, Inc. Media Fellowship House 4225 Chestnut Street 302 South Jackson Street Philadelphia, PA 19104 Media, PA 19063 215- 386 -1298 610 -565 -0434 Northwest Counseling Service Phila Council For Community Advmnt 5001 North Broad Street 1617 John F Kennedy Blvd Philadelphia, PA 19141 Suite 1550 215- 324 -7500 Philadelphia, PA 19103 215 -567 -7803 800 - 930 -4663 Urban League of Philadelphia West Oak Lane CDC 121 S Broad St 7300 Ogontz Avenue 9th Floor Philadelphia, PA 19138 Philadelphia, PA 19107 215- 224 -0880 215- 985 -3220 HEMAP Consumer Credit Counseling Agencies ELK County Report last updated: 09/20/2012 03:40 PM Northern Tier Community Action Corp. P.O. Box 389 135 West 4th Street Emporium, PA 15834 814 - 486 -1161 ERIE County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Greater Erie Community Action Committee 4402 Peach Street 18 West 9TH Street Erie, PA 16509 Erie, PA 16501 888 -511 -2227 814459 -4581 St. Martin Center 1701 Parade Street Erie, PA 16503 814- 452 -6113 FAYETTE County Report last updated: 09/20/2012 03:40 PM Action Housing, Inc Advantage Credit Counseling Service /CCCS of Western PA 425 6th Avenue 1 North Gate Square Suite 950 #2 Garden Center Drive Pittsburgh, PA 15219 Greensburg, PA 15601 412 - 281 -2102 800 - 792 -2801 888 -511 -2227 Community Action Southwest Fayette Co. Community Action Agency, Inc. 58 East Greene Street 140 North Beeson Avenue Waynesburg, PA 15370 Uniontown, PA 15401 724 - 852 -2893 724 -437 -6050 800 - 427 -4636 NeighborWorks of Western Pennsylvania Southwestern Pennsylvania Legal Services Inc. 710 5th Avenue 45 East Main Street Suite 1000 Suite 200 Pittsburgh, PA 15219 Uniontown, PA 15401 412 - 281 -9773 724439 -3591 FOREST County Report last updated: 09/20/2012 03:40 PM Warren- Forest Counties Economic Opportunity Council 1209 Pennsylvania Ave, West PO Box 547 Warren, PA 16365 814- 726 -2400 HEMAP Consumer Credit Counseling Agencies FRANKLIN County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Advantage Credit Counseling Service /CCCS of Western PA 2000 Linglestown Road 55 Clover Hill Road Harrisburg, PA 17102 Dallastown, PA 17313 888 -511 -2227 888 -511 -2227 Community Action Commission of Capital Region Housing Alliance of York/Y Housing Resources 1514 Derry Street 290 West Market Street Harrisburg, PA 17104 York, PA 17401 717- 232 -9757 717 - 855 -2752 Maranatha PA Interfaith Community Programs Inc 43 Philadelphia Avenue 40 E High Street Waynesboro, PA 17268 Gettysburg, PA 17325 717 - 762 -3285 717 - 334 -1518 FULTON County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Maranatha 55 Clover Hill Road 43 Philadelphia Avenue Dallastown, PA 17313 Waynesboro, PA 17268 888 -511 -2227 717 - 762 -3285 GREENE County Report last updated: 09/20/2012 03:40 PM Action Housing, Inc Advantage Credit Counseling Service /CCCS of Western PA 425 6th Avenue 1 North Gate Square Suite 950 #2 Garden Center Drive Pittsburgh, PA 15219 Greensburg, PA 15601 412 - 281 -2102 800 - 792 -2801 888 -511 -2227 Community Action Southwest Southwestern Pennsylvania Legal Services Inc. 58 East Greene Street 63 South Washington St. Waynesburg, PA 15370 Waynesburg, PA 15370 724 - 852 -2893 724 - 627 -3127 HUNTINGDON County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA CCCS of Northeastern PA Royal Remax Plaza 129 Rolling Ridge Drive 917 A Logan Boulevard State College, PA 16801 Altoona, PA 16602 814 - 238 -3668 800 - 922 -9537 888 -511 -2227 HEMAP Consumer Credit Counseling Agencies INDIANA County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Indiana Co. Community Action Program 1 North Gate Square 827 Water Street #2 Garden Center Drive Box 187 Greensburg, PA 15601 Indiana, PA 15701 888 -511 -2227 724 -465 -2657 JEFFERSON County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Indiana Co. Community Action Program River Park Commons 827 Water Street 2403 Sidney Street, Suite 400 Box 187 Pittsburgh, PA 15203 Indiana, PA 15701 888 -511 -2227 724465 -2657 JUNIATA County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA CCCS of Northeastern PA Royal Remax Plaza 129 Rolling Ridge Drive 917 A Logan Boulevard State College, PA 16801 Altoona, PA 16602 814 - 238 -3668 800 - 922 -9537 888 - 511 -2227 CCCS of Northeastern PA 217 N. Center Street Sunbury, PA 17801 800 - 922 -9537 LACKAWANNA County Report last updated: 09/20/2012 03:40 PM American Credit Counseling Institute CCCS of Northeastern PA 212 Berwick - Hazelton Hwy 401 Laurel Street Nescopeck, PA 18635 Pittston, PA 18640 888 - 468 -8847 570- 602 -2227 800 - 922 -9537 NeighborWorks Northeastern Pennsylvania United Neighborhood Centers of Northeastern PA (formerly Neighborhood Housing Svcs - Lackawanna) 425 Alder Street 709 East Market Street Scranton, PA 18505 Scranton, PA 18509 570- 346 -0759 570 -558 -2490 HEMAP Consumer Credit Counseling Agencies LANCASTER County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA American Credit Counseling Institute 55 Clover Hill Road 227 E Chestnut Street Dallastown, PA 17313 lst Floor 888 -511 -2227 Coatesville, PA 19320 888 - 212 -6741 Base, Inc. Housing Alliance of York/Y Housing Resources 447 South Prince Street 290 West Market Street Lancaster, PA 17603 York, PA 17401 717 -392 -5467 717 - 855 -2752 Money Management International Tabor Community Services, Inc. 2101 Centre Avenue 308 E King Street (located at CTCE Credit Union) Suite 1 Reading, PA 19605 Lancaster, PA 17602 888 - 845 -5669 717- 397 -5182 800 - 788 -5062 LAWRENCE County Report last updated: 09/20/2012 03:40 PM Housing Opportunities of Beaver County Shenango Valley Urban League, Inc. 282 East End 601 Indiana Avenue Unit 1 Farrell, PA 16121 Beaver, PA 15009 724- 981 -5310 724 - 728 -7511 LEBANON County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Schuylkill Community Action 2000 Linglestown Road 225 N. Centre Street Harrisburg, PA 17102 Pottsville, PA 17901 888 -511 -2227 570- 622 -1995 Tabor Community Services, Inc. 308 E King Street Suite 1 Lancaster, PA 17602 717 - 397 -5182 800 - 788 -5062 LEHIGH County Report last updated: 09/20/2012 03:40 PM American Credit Counseling Institute American Credit Counseling Institute 212 Berwick - Hazelton Hwy 827 N 19th Street Nescopeck, PA 18635 Allentown, PA 18104 888 - 468 -8847 888468 -8847 American Credit Counseling Institute Community Action Committee 230 East 4th St of the Lehigh Valley Bethlehem, PA 18015 1337 East Fifth Street 610 - 991 -3140 Bethlehem, PA 18015 610 - 691 -5620 HEMAP Consumer Credit Counseling Agencies LEHIGH County (Continued...) Report last updated: 09/20/2012 03:40 PM Money Management International Schuylkill Community Action 3671 Crescent Court East 225 N. Centre Street Whitehall, PA 18052 Pottsville, PA 17901 888 - 845 -5669 570- 622 -1995 LUZERNE County Report last updated: 09/20/2012 03:40 PM American Credit Counseling Institute American Credit Counseling Institute 239 W. Borad Street 212 Berwick - Hazelton Hwy Hazleton, PA 18201 Nescopeck, PA 18635 888 - 212 -6741 888468 -8847 Comm. on Econ Opportunity of Luzerne County CCCS of Northeastern PA 165 Amber Lane 401 Laurel Street Wilkes - Barre, PA 18702 Pittston, PA 18640 570- 826 -0510 800 - 822 -0359 570- 602 -2227 800 - 922 -9537 CCCS of Northeastern PA CCCS of Northeastern PA 702 Sawmill Road 214 W. Walnut Street Bloomsburg, PA 17815 Hazleton, PA 18201 800 - 922 -9537 800 - 922 -9537 NeighborWorks Northeastern Pennsylvania Schuylkill Community Action (formerly Neighborhood Housing Svcs - Lackawanna) 225 N. Centre Street 709 East Market Street Pottsville, PA 17901 Scranton, PA 18509 570- 622 -1995 570 -558 -2490 United Neighborhood Centers of Northeastern PA 425 Alder Street Scranton, PA 18505 570- 346 -0759 LYCOMING County Report last updated: 09/20/2012 03:40 PM CCCS of Northeastern PA CCCS of Northeastern PA 401 Laurel Street 201 Basin Street Pittston, PA 18640 Suite 6 570- 602 -2227 800 - 922 -9537 Williamsport, PA 17701 570- 323 -6627 800 - 922 -9537 Lycoming - Clinton Co (STEP) PA Interfaith Community Programs Inc. 2138 Lincoln Street 630 Lincoln Street P.O. Box 3568 Milton, PA 17847 Williamsport, PA 17703 570- 742 -3399 570- 326 -0587 HEMAP Consumer Credit Counseling Agencies MCKEAN County Report last updated: 09/20/2012 03:40 PM Northern Tier Community Action Corp. P.O. Box 389 135 West 4th Street Emporium, PA 15834 814- 486 -1161 MERCER County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Shenango Valley Urban League, Inc. River Park Commons 601 Indiana Avenue 2403 Sidney Street, Suite 400 Farrell, PA 16121 Pittsburgh, PA 15203 724 -981 -5310 888 -511 -2227 MIFFLIN County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA CCCS of Northeastern PA Royal Remax Plaza 129 Rolling Ridge Drive 917 A Logan Boulevard State College, PA 16801 Altoona, PA 16602 814 - 238 -3668 800 - 922 -9537 888 -511 -2227 CCCS of Northeastern PA CCCS of Northeastern PA 201 Basin Street 217 N. Center Street Suite 6 Sunbury, PA 17801 Williamsport, PA 17701 800- 922 -9537 570- 323 -6627 800 - 922 -9537 MONROE County Report last updated: 09/20/2012 03:40 PM American Credit Counseling Institute American Credit Counseling Institute 212 Berwick - Hazelton Hwy 827 N 19th Street Nescopeck, PA 18635 Allentown, PA 18104 888 - 468 -8847 888468 -8847 American Credit Counseling Institute Community Action Committee Route 115 of the Lehigh Valley Time Plaza Suite 3 1337 East Fifth Street Blakeslee, PA 18610 Bethlehem, PA 18015 888 - 468 -8847 610- 691 -5620 CCCS of Northeastern PA CCCS of Northeastern PA 401 Laurel Street 411 Main Street Pittston, PA 18640 Suite 104 570- 602 -2227 800 - 922 -9537 Stroudsburg, PA 18360 570 -420 -8980 800 - 922 -9537 HEMAP Consumer Credit Counseling Agencies MONROE County (Continued...) Report last updated: 09/20/2012 03:40 PM CCCS of Northeastern PA Money Management International 214 W. Walnut Street 306 Spring Garden Street Hazleton, PA 18201 Easton, PA 18042 800 - 922 -9537 888 - 845 -5669 MONTGOMERY County Report last updated: 09/20/2012 03:40 PM American Angel Housing Counsefing/RHD American Angel Housing Counseling/RHD 1060 First Avenue Two Bala Plaza Suite 400 Suite 300 King of Prussia, PA 19406 Bala Cynwyd, PA 19004' 610 - 733 -2985 610- 768 -2811 American Angel Housing Counseling/RHD American Credit Alliance 600 West Germantown Pike 2 South Delmorr Avenue Suite 400 Morrisville, PA 19067 Plymouth Meeting, PA 19462 215- 295 -7195 610 - 768 -2811 American Credit Counseling Institute American Credit Counseling Institute 100 Porter Road 586 West Street Road Suite 108 Warminster, PA 18974 Pottstown, PA 19464 215 -444 -9429 888 -2121 -6741 888 - 212 -6741 American Credit Counseling Institute Chester Community Improvement Project 526 -528 Dekalb Street 412 Avenue of the States Norristown, PA 19401 PO Box 541 610 -971 -2210 888 - 212 -6741 Chester, PA 19016 610- 876 -8663 Clarifi /CCCS of Delaware Valley Clarifi /CCCS of Delaware Valley 1608 Walnut Street 4400 North Reese Street 10th Floor Philadelphia, PA 19140 Philadelphia, PA 19107 215 -563 -5665 215 -563 -5665 Clarifi /CCCS of Delaware Valley Credit Counseling Center 101 Greenwood Avenue 832 Second Street Pike Suite LC -70 Richboro, PA 18954 Jenkintown, PA 19046 215- 348 -8003 877 - 900 -4222 215 -563 -5665 Credit Counseling Center Credit Counseling Center 60 North Main Street 8150 Route 13 Lower Level Levittown, PA 19057 Doylestown, PA 18901 215- 348 -8003 877 -900 -4222 215- 348 -8003 877 - 900 -4222 Intercultural Family Services, Inc. Media Fellowship House 4225 Chestnut Street 302 South Jackson Street Philadelphia, PA 19104 Media, PA 19063 215- 386 -1298 610 -565 -0434 HEMAP Consumer Credit Counseling Agencies MONTGOMERY County (Continued...) Report last updated: 09/20/2012 03:40 PM Money Management International Northwest Counseling Service 265 West High Street 5001 North Broad Street Suite 2 Philadelphia, PA 19141 Pottstown, PA 19464 215- 324 -7500 888 - 845 -5669 Phila Council For Community Advmnt West Oak Lane CDC 1617 John F Kennedy Blvd 7300 Ogontz Avenue Suite 1550 Philadelphia, PA 19138 Philadelphia, PA 19103 215- 224 -0880 215 -567 -7803 800 - 930 -4663 MONTOUR County Report last updated: 09/20/2012 03:40 PM CCCS of Northeastern PA CCCS of Northeastern PA 401 Laurel Street 201 Basin Street Pittston, PA 18640 Suite 6 570- 602 -2227 800 - 922 -9537 Williamsport, PA 17701 570- 323 -6627 800 - 922 -9537 CCCS of Northeastern PA CCCS of Northeastern PA 702 Sawmill Road 217 N. Center Street Bloomsburg, PA 17815 Sunbury, PA 17801 800 - 922 -9537 800 - 922 -9537 Lycoming - Clinton Co (STEP) PA Interfaith Community Programs Inc. 2138 Lincoln Street 630 Lincoln Street P.O. Box 3568 Milton, PA 17847 Williamsport, PA 17703 570- 742 -3399 570- 326 -0587 NORTHAMPTON County Report last updated: 09/20/2012 03:40 PM American Credit Counseling Institute American Credit Counseling Institute 827 N 19th Street 230 East 4th St Allentown, PA 18104 Bethlehem, PA 18015 888 - 468 -8847 610 - 991 -3140 Community Action Committee CCCS of Northeastern PA of the Lehigh Valley 411 Main Street 1337 East Fifth Street Suite 104 Bethlehem, PA 18015 Stroudsburg, PA 18360 610- 691 -5620 570 -420 -8980 800 - 922 -9537 CCCS of Northeastern PA Money Management International 214 W. Walnut Street 3671 Crescent Court East Hazleton, PA 18201 Whitehall, PA 18052 800 - 922 -9537 888 - 845 -5669 HEMAP Consumer Credit Counseling Agencies NORTHAMPTON County (Continued...) Report last updated: 09/20/2012 03:40 PM Money Management International 306 Spring Garden Street Easton, PA 18042 888 - 845 -5669 NORTHUMBERLAND County Report last updated: 09/20/2012 03:40 PM CCCS of Northeastern PA CCCS of Northeastern PA 401 Laurel Street 201 Basin Street Pittston, PA 18640 Suite 6 570- 602 -2227 800 - 922 -9537 Williamsport, PA 17701 570- 323 -6627 800 - 922 -9537 CCCS of Northeastern PA CCCS of Northeastern PA 702 Sawmill Road 214 W. Walnut Street Bloomsburg, PA 17815 Hazleton, PA 18201 800 - 922 -9537 800 - 922 -9537 CCCS of Northeastern PA Lycoming- Clinton Co (STEP) 217 N. Center Street 2138 Lincoln Street Sunbury, PA 17801 P.O. Box 3568 800 - 922 -9537 Williamsport, PA 17703 570- 326 -0587 PA Interfaith Community Programs Inc. Schuylkill Community Action 630 Lincoln Street 225 N. Centre Street Milton, PA 17847 Pottsville, PA 17901 570- 742 -3399 570- 622 -1995 PERRY County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888 -511 -2227 717 - 232 -9757 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717- 762 -3285 PHILADELPHIA County Report last updated: 09/20/2012 03:40 PM Affordable Housing Centers of America American Angel Housing Counseling/RHD 846 North Broad Street Two Penn Center Plaza 1 st Floor Suite 200 Philadelphia, PA 19130 Philadelphia, PA 19102 215- 765 -1221 610 - 768 -2811 HEMAP Consumer Credit Counseling Agencies PHILADELPHIA County (Continued...) Report last updated: 09/20/2012 03:40 PM American Credit Counseling Institute American Credit Counseling Institute 586 West Street Road 6800 Market Street Warminster, PA 18974 1st Floor 215- 444 -9429 888 - 212 -6741 Upper Darby, PA 19082 888 - 212 -6741 APM Center in the Park 600 W Diamond Street 5818 Germantown Avenue Philadelphia, PA 19122 Philadelphia, PA 19144 215- 235 -6070 215- 848 -7722 Chester Community Improvement Project Clarifi /CCCS of Delaware Valley 412 Avenue of the States 1608 Walnut Street PO Box 541 10th Floor Chester, PA 19016 Philadelphia, PA 19107 610 - 876 -8663 215 -563 -5665 Clarifi /CCCS of Delaware Valley Clarifi /CCCS of Delaware Valley One Cherry Hill Catholic Social Services Building Suite 215 7340 Jackson Street Cherry Hill, PA 18002 Philadelphia, PA 19136 215 -563 -5665 215 -563 -5665 Clarifi /CCCS of Delaware Valley Clarifi /CCCS of Delaware Valley 4400 North Reese Street 101 Greenwood Avenue Philadelphia, PA 19140 Suite LC -70 215 -563 -5665 Jenkintown, PA 19046 215 -563 -5665 Congreso Council of Spanish Speaking Organization 216 West Somerset Street 705 -09 North Franklin Street Philadelphia, PA 19133 Philadelphia, PA 19123 215- 763 -8870 215- 627 -3100 Credit Counseling Center Credit Counseling Center 832 Second Street Pike 60 North Main Street Richboro, PA 18954 Lower Level 215- 348 -8003 877 - 900 -4222 Doylestown, PA 18901 215- 348 -8003 877 - 9004222 Credit Counseling Center Deliverance Community Development Corp, Inc. 8150 Route 13 2001 West Lehigh Avenue Levittown, PA 19057 Philadelphia, PA 19132 215- 348 -8003 877 - 900 -4222 215- 226 -7600 Diversified Community Services Esperanza Dixon House 4261 North 5th Street 1920 South 20th Street Philadelphia, PA 19140 Philadelphia, PA 19145 215- 324 -0746 215- 336 -3511 Greater Philadelphia Asian Social Service Center (GPASS) RACE 4943 North 5th Street 167 W Allegheny Avenue Philadelphia, PA 19120 2nd Floor 215- 456 -1662 Philadelphia, PA 19140 215 -426 -8025 HEMAP Consumer Credit Counseling Agencies PHILADELPHIA County (Continued...) Report last updated: 09/20/2012 03:40 PM HACE Intercommunity Action, Inc 4660 Frankford Avenue 403 Rector Street Philadelphia, PA 19124 Philadelphia, PA 19128 215- 437 -7867 215487 -1750 Intercultural Family Services, Inc. Korean Community Development Services Center 4225 Chestnut Street 6055 North 5th Street Philadelphia, PA 19104 Philadelphia, PA 19120 215- 386 -1298 215- 276 -8830 Liberty Resources Mt. Airy, USA 714 Market Street 6703 Germantown Avenue Suite 100 Suite 200 Philadelphia, PA 19106 Philadelphia, PA 19119 215- 634 -2000 215- 844 -6021 New Kensington Community Development Corp Norris Square Civic Association 2515 Frankford Avenue 149 West Susquehanna Avenue Philadelphia, PA 19125 Philadelphia, PA 19122 215- 427 -0350 215 -426 -8723 Northwest Counseling Service Partnership CDC 5001 North Broad Street 4020 Market Street Philadelphia, PA 19141 Suite 100 215- 324 -7500 Philadelphia, PA 19104 215- 662 -1612 Phila Council For Community Advmnt South Philadelphia H.O.M.E.S. 1617 John F Kennedy Blvd 1444 Point Breeze Avenue Suite 1550 Philadelphia, PA 19146 Philadelphia, PA 19103 215- 334 -4430 215 -567 -7803 800 - 930 -4663 Southwest Community Development Corporation United Communities Southeast Philadelphia 6328 Paschall Avenue 2029 South 8th Street Philadelphia, PA 19142 Philadelphia, PA 19148 215- 729 -0800 215468 -1645 Universal Companies Urban League of Philadelphia 800 South 15th Street 121 S Broad St Philadelphia, PA 19146 9th Floor 215- 732 -6518 Philadelphia, PA 19107 215- 985 -3220 West Oak Lane CDC 7300 Ogontz Avenue Philadelphia, PA 19138 215- 224 -0880 HEMAP Consumer Credit Counseling Agencies PIKE County Report last updated: 09/20/2012 03:40 PM American Credit Counseling Institute CCCS of Northeastern PA Route 115 401 Laurel Street Time Plaza Suite 3 Pittston, PA 18640 Blakeslee, PA 18610 570- 602 -2227 800 - 922 -9537 888 - 468 -8847 CCCS of Northeastern PA 411 Main Street Suite 104 Stroudsburg, PA 18360 570- 420 -8980 800 - 922 -9537 POTTER County Report last updated: 09/20/2012 03:40 PM CCCS of Northeastern PA CCCS of Northeastern PA 129 Rolling Ridge Drive 201 Basin Street State College, PA 16801 Suite 6 814 - 238 -3668 800 - 922 -9537 Williamsport, PA 17701 570- 323 -6627 800 - 922 -9537 Northern Tier Community Action Corp. P.O. Box 389 135 West 4th Street Emporium, PA 15834 814- 486 -1161 SCHUYLKILL County Report last updated: 09/20/2012 03:40 PM American Credit Counseling Institute American Credit Counseling Institute 212 Berwick - Hazelton Hwy 827 N 19th Street Nescopeck, PA 18635 Allentown, PA 18104 888 - 468 -8847 888468 -8847 Budget Counseling Center Comm. on Econ Opportunity of Luzerne County 247 North Fifth Street 165 Amber Lane Reading, PA 19601 Wilkes - Barre, PA 18702 610- 375 -7866 570- 826 -0510 800 - 822 -0359 CCCS of Northeastern PA CCCS of Northeastern PA 401 Laurel Street 702 Sawmill Road Pittston, PA 18640 Bloomsburg, PA 17815 570- 602 -2227 800 - 922 -9537 800 - 922 -9537 CCCS of Northeastern PA CCCS of Northeastern PA 214 W. Walnut Street 217 N. Center Street Hazleton, PA 18201 Sunbury, PA 17801 800 - 922 -9537 800 - 922 -9537 Schuylkill Community Action 225 N. Centre Street Pottsville, PA 17901 570- 622 -1995 HEMAP Consumer Credit Counseling_ Agencies SNYDER County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888 -511 -2227 717 - 232 -9757 CCCS of Northeastern PA CCCS of Northeastern PA 129 Rolling Ridge Drive 201 Basin Street State College, PA 16801 Suite 6 814- 238 -3668 800 - 922 -9537 Williamsport, PA 17701 570- 323 -6627 800 - 922 -9537 CCCS of Northeastern PA CCCS of Northeastern PA 702 Sawmill Road 217 N. Center Street Bloomsburg, PA 17815 Sunbury, PA 17801 800 - 922 -9537 800 - 922 -9537 Lycoming- Clinton Co (STEP) PA Interfaith Community Programs Inc. 2138 Lincoln Street 630 Lincoln Street P.O. Box 3568 Milton, PA 17847 Williamsport, PA 17703 570- 742 -3399 570- 326 -0587 SOMERSET County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Fayette Co. Community Action Agency, Inc. 1 North Gate Square 140 North Beeson Avenue #2 Garden Center Drive Uniontown, PA 15401 Greensburg, PA 15601 724 -437 -6050 800 - 427 -4636 888 -511 -2227 Southwestern Pennsylvania Legal Services Inc. 218 West Kimberly Avenue Suite 101 Somerset, PA 15501 814- 443 -4615 SULLIVAN County Report last updated: 09/20/2012 03:40 PM CCCS of Northeastern PA CCCS of Northeastern PA 401 Laurel Street 201 Basin Street Pittston, PA 18640 Suite 6 570- 602 -2227 800 - 922 -9537 Williamsport, PA 17701 570- 323 -6627 800 - 922 -9537 Trehab Center of Northeastern PA 210 Center Street P.O. Box 389 Dushore, PA 18614 570- 928 -9668 800 - 982 -4045 HEMAP Consumer Credit Counseling Agencies SUSQUEHANNA County Report last updated: 09/20/2012 03:40 PM CCCS of Northeastern PA Trehab Center of Northeastern PA 401 Laurel Street 36 Public Avenue Pittston, PA 18640 PO Box 366 570- 602 -2227 800 - 922 -9537 Montrose, PA 18801 570- 278 -3338 800 - 982 -4045 TIOGA County Report last updated: 09/20/2012 03:40 PM CCCS of Northeastern PA CCCS of Northeastern PA 401 Laurel Street 201 Basin Street Pittston, PA 18640 Suite 6 570- 602 -2227 800 - 922 -9537 Williamsport, PA 17701 570- 323 -6627 800 - 922 -9537 PA Interfaith Community Programs Inc. Trehab Center of Northeastern PA 630 Lincoln Street 14 South Main Street Milton, PA 17847 Suite 202 570- 742 -3399 Mansfield, PA 16933 570- 662 -8113 866 - 656 -7788 UNION County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA CCCS of Northeastern PA Royal Remax Plaza 401 Laurel Street 917 A Logan Boulevard Pittston, PA 18640 Altoona, PA 16602 570- 602 -2227 800 - 922 -9537 888 -511 -2227 CCCS of Northeastern PA CCCS of Northeastern PA 129 Rolling Ridge Drive 201 Basin Street State College, PA 16801 Suite 6 814- 238 -3668 800 - 922 -9537 Williamsport, PA 17701 570- 323 -6627 800 - 922 -9537 CCCS of Northeastern PA CCCS of Northeastern PA 702 Sawmill Road 217 N. Center Street Bloomsburg, PA 17815 Sunbury, PA 17801 800 - 922 -9537 800 - 922 -9537 Lycoming- Clinton Co (STEP) PA Interfaith Community Programs Inc. 2138 Lincoln Street 630 Lincoln Street P.O. Box 3568 Milton, PA 17847 Williamsport, PA 17703 570- 742 -3399 570- 326 -0587 HEMAP Consumer Credit Counseling Agencies VENANGO County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Center for Family Services, Inc. River Park Commons 213 Center Street 2403 Sidney Street, Suite 400 Meadville, PA 16335 Pittsburgh, PA 15203 814- 337 -8450 888 -511 -2227 Greater Erie Community Action Committee St. Martin Center 18 West 9TH Street 1701 Parade Street Erie, PA 16501 Erie, PA 16503 814 - 459 -4581 814452 -6113 WARREN County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Greater Erie Community Action Committee 4402 Peach Street 18 West 9TH Street Erie, PA 16509 Erie, PA 16501 888 -511 -2227 814459 -4581 St. Martin Center Warren- Forest Counties Economic Opportunity Council 1701 Parade Street 1209 Pennsylvania Ave, West Erie, PA 16503 PO Box 547 814 - 452 -6113 Warren, PA 16365 814 - 726 -2400 WASHINGTON County Report last updated: 09/20/2012 03:40 PM Action Housing, Inc Advantage Credit Counseling Service /CCCS of Western PA 425 6th Avenue 1 North Gate Square Suite 950 #2 Garden Center Drive Pittsburgh, PA 15219 Greensburg, PA 15601 412- 281 -2102 800 - 792 -2801 888 -511 -2227 Community Action Southwest Community Action Southwest 58 East Greene Street 150 West Beau Street Waynesburg, PA 15370 Suite 304 724 - 852 -2893 Washington, PA 15301 724 - 225 -9550 Mon Valley Unemployment Committee NeighborWorks of Western Pennsylvania 338 E Ninth Avenue 710 5th Avenue 2nd Floor Suite 1000 Homestead, PA 15120 Pittsburgh, PA 15219 412 - 462 -9962 412 - 281 -9773 Southwestern Pennsylvania Legal Services Inc. 10 West Cherry Avenue Washington, PA 15301 724 - 225 -6170 HEMAP Consumer Credit Counseling Agencies WAYNE County Report last updated: 09/20/2012 03:40 PM CCCS of Northeastern PA CCCS of Northeastern PA 401 Laurel Street 411 Main Street Pittston, PA 18640 Suite 104 570- 602 -2227 800 - 922 -9537 Stroudsburg, PA 18360 570420 -8980 800 - 922 -9537 NeighborWorks Northeastern Pennsylvania Trehab Center of Northeastern PA (formerly Neighborhood Housing Svcs - Lackawanna) 100 4th Street 709 East Market Street Suite 20 Scranton, PA 18509 Honesdale, PA 18431 570 -558 -2490 570- 253 -8941 888 -524 -2107 United Neighborhood Centers of Northeastern PA 425 Alder Street Scranton, PA 18505 570- 346 -0759 WESTMORELAND County Report last updated: 09/20/2012 03:40 PM Action Housing, Inc Advantage Credit Counseling Service /CCCS of Western PA 425 6th Avenue 1 North Gate Square Suite 950 #2 Garden Center Drive Pittsburgh, PA 15219 Greensburg, PA 15601 412 - 281 -2102 800 - 792 -2801 888 -511 -2227 Community Action Southwest Indiana Co. Community Action Program 58 East Greene Street 827 Water Street Waynesburg, PA 15370 Box 187 724 - 852 -2893 Indiana, PA 15701 724465 -2657 Mon Valley Unemployment Committee NeighborWorks of Western Pennsylvania 338 E Ninth Avenue 710 5th Avenue 2nd Floor Suite 1000 Homestead, PA 15120 Pittsburgh, PA 15219 412 - 462 -9962 412 - 281 -9773 WYOMING County Report last updated: 09/20/2012 03:40 PM Comm. on Econ Opportunity of Luzerne County CCCS of Northeastern PA 165 Amber Lane 401 Laurel Street Wilkes - Barre, PA 18702 Pittston, PA 18640 570- 826 -0510 800 - 822 -0359 570- 602 -2227 800 - 922 -9537 NeighborWorks Northeastern Pennsylvania Trehab Center of Northeastern PA (formerly Neighborhood Housing Svcs - Lackawanna) 36 Public Avenue 709 East Market Street PO Box 366 Scranton, PA 18509 Montrose, PA 18801 570 -558 -2490 570- 278 -3338 800 - 982 -4045 HEMAP Consumer Credit Counseling Agencies WYOMING County (Continued...) Report last updated: 09/20/2012 03:40 PM United Neighborhood Centers of Northeastern PA 425 Alder Street Scranton, PA 18505 570- 346 -0759 YORK County Report last updated: 09/20/2012 03:40 PM Advantage Credit Counseling Service /CCCS of Western PA Advantage Credit Counseling Service /CCCS of Western PA 2000 Linglestown Road 55 Clover Hill Road Harrisburg, PA 17102 Dallastown, PA 17313 888 -511 -2227 888 -511 -2227 Base, Inc. Housing Alliance of York/Y Housing Resources 447 South Prince Street 290 West Market Street Lancaster, PA 17603 York, PA 17401 717- 392 -5467 717- 855 -2752 PA Interfaith Community Programs Inc 40 E High Street Gettysburg, PA 17325 717 - 334 -1518 Eyt hibit C Prepared By: Lisa Vang 2925 County Drive St. Paul, MN 55117 When Recorded Return To: Indecomm Global Services 2925 Country Drive St. Paul, MN 55117 PIN: 46 -18 -1394 -090 Assignment of Mortgage Dated: /._ z7 t a �U For value received Deutsche Bank Trust Company Americas, as trustee fka Bankers Trust Company as Trustee, In C/O GMAC Mortgage, LLC, 1100 Virginia Drive, Fort Washington, PA 19034, the undersigned hereby grants, assigns and transfers to Deutsche Bank Trust Company Americas FKA Bankers Trust Company as Trustee for RASC 2002 -KS1, In C/O GMAC Mortgage, LLC, 1100 Virginia Drive, Fort Washington, PA 19034, all beneficial interest under a certain Mortgage dated October 26, 2001 executed by HENRY B. CASNER and recorded in Book 1738 on Page(s) 4707 as Document Number XX on November 14, 2001 in the office of the County Recorder of Cumberland County, Pennsylvania. MORTGAGE AMOUNT: $60,000.00 MUNICIPALITY: West Pennsboro Township PROPERTY ADDRESS: 52 West Main Street, Plainfield, PA 17081 Certificate of Residence 1, Boxy FeI S h er , do hereby certify that the precise address of the within -named Assignee is In C/O GMAC Mortgage, LLC, 1100 Virginia Drive, Fort Washington, PA 19034, Dated: f z 71 2, 1 I_ Barry Feldsher Agent of Assignee Page 1 .J • Deutsche Bank Trust Company Americas, as trustee fka Bankers Trust Company as Trustee Residential Funding Company, LLC By: f/kfa Residential Funding Corporation 1,-7 7 //Z. — Attorney in Fact Barry Ecld - 1 11hol - l i 7Cd Officer p p p STATE O F _ pennsytvama > IIN11111II I111111111EllIIIIIININII11111111 COUNTY Montf?omery _ ) SS *UO3140715* On 4 efore me, Pa ciaN01011 MM , Notary Public in and for said State personally appeared 'RP1dSb= of Deutsche Bank Trust Company Americas, as trustee fka Bankers Trust Company as Trustee, personally known to me to be the person whose name is subscribed to the within instrument and acknowledged to me that s /he executed the same in his/her authorized capacity, and that by his /her signature on the instrument the entity upon behalf of which the person acted, executed the instrument. WITNESS my hand and official seal. GOMMONWE►LTM OF pgNNSYLVpN1A NOTARIAL SEAL Notary public L'ATRC'A ICINOLAN HOFFMAN, Patricia N0141 AMM otary Public f Phdad November 15 205 My Commission expires: �rnrssion Pag e 2 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Deutsche Bank Trust Company Americas formerly know as Bankers Trust Company, it Trustee for Residential Asset Securities Corporation, Home Equity Mortgage Asset- Backed Pass - Through Certificates, Series �( 2002 -KSI Case No. Plaintiff vs. C. GREGORY CASNER, Solely in His Capacity as Heir of HENRY B. CASNER, t7 0 Deceased :3: HENRY BROWNAWELL, Solely in His Capacity as Heir of HENRY B. tXt rrt- 4 CASNER, Deceased. ; - "o MELVIN BROWNAWELL, Solely in His Capacity as Heir of HENRY B. % = j -- 7) C� CASNER, Deceased � CD RICHARD BROWNAWELL, Solely in His Capacity as Heir of HENRY B. 2— - CASNER, Deceased G CD SUSAN DARR, Solely in Her Capacity as Heir of HENRY B. CASNER, Deceased C =9 =, UNKNOWN HEIRS OF HENRY B. CASNER, Deceased Defendant(s) s.r NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in a court- supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer, you must take the following steps to be eligible for a conciliation conference. First, within twenty (20) days of your receipt of this notice, you must contact MidPenn Legal Services at (717) 243 -9400 extension 2510 or (800) 822 -5288 extension 2510 and request appointment of a legal representative at no charge to you. Once you have been appointed a legal representative, you must promptly meet with that legal representative within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer, you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto, your lawyer will prepare and file a Request for Conciliation Conference with the Court, which must be filed 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. Respect lly submitted: (Signatur of Counsel for Plaintiff) a3 4.3 Date Cumberland County Residential .Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland County Court, of Common Pleas Docket # BORROWER REQUEST FOR HARDS141P ASSISTANCE To complete -your request for hardship assistance, your lender must consider your circumstances to determine passible options while working with your Please provide the following information to the best ofyoux knowledge: 0-1-STOM�UVPRIMARY. APPLICANT Borrower name(s): Property Address: City: State: Zip: Is the property for sale? Yes EJ No LJ Listing date; Price: S Realtor Name: Realtor Phone: Borrower Occupied? Yes ' _ No Mailing Address Address (if different); City: State Zip: Phone Numbers: Home; office: Cell: Other: Email # of people in household: How Iona? Mailing Address; City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email. # ofpeople in household: How long: First Mortgage Lender: Type, of Loan: Loan Number: Date You Closed Your Loan: Second Mortgage Lender: Type of Loan: Loan Number: Total Mortgage Payments Amount: $ Included Taxes & Insurance: Date of Last Payment: Primary Reason for Default: Is the loan in Bank zptcy? Yes F1 No 0 If yes, provide names, location of court, case number & attorney; Assets a mount Owed Value, Rome: $ $ Other Real Estate.: $ Retirement Funds: $ . $ Investments: $ S Checking: S $ Savings: S S Other: $ S Automobile #1: Model, dear: Amount owed: Value: Automobile ##2 Model: Year: Amount owed: Value. Other transportation automobiles moats motors cles Model: Year: Amount owed: Value Monthly Income Name of Employers: 1: 2. 3. Additional Income Description (not wages): 1. monthly amount: 1 amount: Borrower Pay Days, Co- Borrower Pay Days: Monthly Expenses: (Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Mo a ...... Food 2 N€ort & Utilities Car Pa e t s Co ndo/Nei , Fees Auto Insurance Med. not covered Auto fuelf airs Other p rop. payment Install. -Loan 'Payment Cable TV Child Su rt/Alim. Spending Monti P Day/Child G8tlTuit. Other Ex eases Amount Available for Monthly Mortgage Payments Based on Income & Expenses: Have you been working with a Housing Counseling Agency? yes El No El If yes, please provide the fallowing information: Counseling Agency: Counselor: Phone, (Office): �_ Fax, Email Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance? Yes![] No 0 If yes, please indicate the status of the application Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? Yes No If yes, please indicate the status of those negotiations: Please provide the following information, if know, regarding your lender or leader's loan servicing company: Lender's Contact (Name): Phone: Servicing Company (Name): Contact: Phone: ... .. .... .. authorize the above named to use /refer this information to my londerlservicer 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 ]Tate Co-Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: Proof of income Past 2 bank statements Proof of any expected income for the last 45 days Copy of a current utility bill Letter explaining reason for delinquency and any supporting documentation {hardship letter) Listing agr"ment (if property is currently on the market) SHERIFF'S OFFICE OF CUMBERLAND COUNTY ,�1 - , no"' l�d IL-,,, , Ronny R Anderson Ir i Sheriff p ,,p of eilillfiert ~ I I 1 H 'Jody S Smith U Chief Deputy `,1 flUMBEi�LMi� i CU ' J f Richard W Stewart PENNSYLVANIA Solicitor orF:c,.... r1w z- RIF. Deutsche Bank National Trust Company Case Number vs. Gregory Casner(et al.) 2013-6256 SHERIFF'S RETURN OF SERVICE 10/24/2013 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Gregory Casner, but was unable to locate the Defendant in the Sheriffs bailiwick.The Sheriff therefore deputizes the Sheriff of Dauphin, Pennsylvania to serve the within Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure according to law. 10/28/2013 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Melvin Brownawell, 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 52 West Main Street, West Pennsboro, Plainfield, PA 17081. 10/29/2013 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Melvin Brownawell, 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 102 Parsonage Street, Newville Borough, Newville, PA 17241. The Newville Postmaster has been unable to provide a good forwarding address for the defendant. 10/29/2013 06:40 PM-Deputy William Cline, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally"handing a true copy to a person representing themselves to be the Defendant, to wit: Richard Brownawell at 10 Hill Drive, Upper Mifflin, Newville, PA 17241. / • vY Y,iLLIr Iv, VLI�v�, DLO LIT I 10/29/2013 08:20 PM- Deputy William Cline, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally"handing a true copy to a person representing themselves to be the Defendant,to wit: Susan M. Darr at 436 Factory Street, Carlisle Borough, Carlisle, PA 17013. . Alle."."- . LLIA CLINE, DEPUTY 10/31/2013 10:45 AM -Deputy Ronald Hoover, 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 Henry Brownawell, Occupant, who accepted as "Adult Person in Charge"for Occupant at 52 West Main Street, West Pennsboro, Plainfield, PA 17081. Henry Brownawell informed deputies that the defendant Gregory Casner resides in Harrisburg, PA. (74,141 RO'ALD HOOVER, DEP TY (c)CountvSuito Sheriff,Telecsoff Inc. 10/31/2013 10:45 AM -Deputy Ronald Hoover, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally"handing a true copy to a person representing themselves to be the Defendant,to wit: Henry Brownawell at 52 West Main Street, West Pennsboro, Plainfield, PA 17081. RONALD HOOVER, DEP TY 11/07/2013 The requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure returned by the Sheriff of Dauphin County,the within named Defendant Gregory Casner, not found. Jack Lotwick, Sheriff, Return of Service attached to and made part of the within record. SHERIFF COST: $179.46 SO ANSWERS, December 03, 2013 RONI'IY R ANDERSON, SHERIFF ;Cj Qeu i Sule Shecitt,Teleosoft nc. . u IJI tf eftl Shelley Ruhl I% Jack Duignan Real Estate Deputy ,G 1�� • � v Chief Deputy 1 Matthew L. Owens �+ Michael W. Rinehart Solicitor Assistant Chief Deputy Dauphin County 101 Market Street Harrisburg,Pennsylvania 17101-2079 ph:(717)780-6590 fax:(717)255-2889 Jack Lotwick Sheriff DEUTSCHE BANK TRUST COMPANY Commonwealth of Pennsylvania • AMERICAS F/K/A BANKERS TRUST COMPANY, ET AL VS County of Dauphin GREGORY CASNER Sheriffs Return No. 2013-T-2876 OTHER COUNTY NO. 2013-6256 I, Jack Lotwick, Sheriff of the County of Dauphin, State of Pennsylvania, do hereby certify and return, that I made diligent search and inquiry for GREGORY CASNER the DEFENDANT named in the within COMPLAINT IN MORTGAGE FORECLOSURE and that I am unable to find him/her in the County of Dauphin, and therefore return same NOT FOUND, NOVEMBER 5, 2013. PER RESIDENT OF ADDRESS 516 HAMILTON STREET,-HARRISBURG,--PA 17102 WHO IDENTIFIED HERSELF AS MRS. KING-THE DEFENDANT DOES NOT RESIDE THERE. SEARCHED JNET FOR NEW ADDRESS, NO RESULTS FOUND. Sworn and subscribed to So Answers, ! before me this 6TH day of November, 2013 Sheriff of ".►auphin Co ty, Pa. • By f. COMMONWEALTH OF PENNSYLVANIA Dep �heriff NOTARIAL SEAL De.g7 y: J FRUHWIRTH Karen M.Hoffman,Notary Public City of Harrisburg,Dauphin County Sheriffs Costs: $41.25 10/29/2013 My Commission Expires August 17,2014 KML Law Group, P.C. SUITE 5000—BNY INDEPENDENCE CENTER 701 MARKET STREET IN THE COURT OF COMMON PLEAS PHILADELPHIA,PA 19106-1532 OF Cumberland COUNTY (215)627-1322 ATTORNEY FOR PLAINTIFF CIVIL ACTION-LAW Deutsche Bank Trust Company Americas formerly ACTION OF MORTGAGE know as Bankers Trust Company,as Trustee for FORECLOSURE Residential Asset Securities Corporation, Home Equity Mortgage Asset-Backed Pass-Through Certificates, Term Series 2002-KS 1 No. 13-6256 3451 Hammond Avenue Waterloo,IA 50702 Plaintiff vs. z' ^' GREGORY CASNER, Solely in His Capacity as Heir rn of HENRY B. CASNER, Deceased HENRY BROWNAWELL, Solely in His Capacity as --<> N ,' Heir of HENRY B. CASNER,Deceased <o 3, , MELVIN BROWNAWELL, Solely in His Capacity as o Heir of HENRY B. CASNER,Deceased yy RICHARD BROWNAWELL, Solely in His Capacity --{ as Heir of HENRY B. CASNER,Deceased SUSAN DARR, Solely in Her Capacity as Heir of HENRY B. CASNER,Deceased UNKNOWN HEIRS OF HENRY B. CASNER, Deceased 52 West Main Street Plainfield,PA 17081 Defendant(s) PRAECIPE TO REINSTATE COMPLAINT Kindly reinstate the Complaint in the above captioned matter. By: KML LAV GROUP,P.C. Michael McKeever Pa. ID 56129 Lisa Lee Pa. ID 78020 Kristina Murtha Pa.ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Jay E.Kivitz Pa. ID 26769 a� C I i "1 Sp q Jill P.Jenkins Pa. ID 306588 Joshua I. Goldman Pa. 205047 -7 SS $7 Alyk L. Oflazian Pa. ID 312912 li F- Attorneys for Plaintiff s q 3Y SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Di IC II lribepL Jody S Smith t Chief Deputy i° J1:1 17 i '-_Nr' Richard W Stewart '>i Solicitor f ,,SYt Deutsche Bank National Trust Company vs. Case Number Gregory Casner(et al.) 2013-6256 SHERIFF'S RETURN OF SERVICE 01/02/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Gregory Casner, but was unable to locate the Defendant in the Sheriffs bailiwick.The Sheriff therefore deputizes the Sheriff of Dauphin, Pennsylvania to serve the within Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure according to law. 01/09/2014 09:20 AM -The requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure served by the Sheriff of Dauphin County upon Henry Robinson,who accepted for Gregory Casner, at 2203 N. 4th Street, Harrisburg, PA 17110. Jack Lotwick, Sheriff, Return of Service attached to and made part of the within record. 01/13/2014 03:05 PM - Deputy Dawn Kell, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Melvin Brownawell at 11 Fairfield Street, Newville Borough, Newville, PA 17241. 41■"-- DAWN KELL, DEPUTY SHERIFF COST: $66.56 SO ANSWERS, January 14, 2014 RONNK R ANDERSON, SHERIFF f`"r€T€ oscfi .r;c . . `. 131 tF1 L' c '1 ff e =, • , . , Shelley Ruhl 11-• ; Jack Duignan Real Estate Deputy \ • Chief Deputy P Y `�sy I _ -- f ^i r i Matthew L. Owens � ��4�.,.,� �� Michael W. Rinehart Solicitor Assistant Chief Deputy Dauphin County 101 Market Street Harrisburg,Pennsylvania 17101-2079 ph:(717)780-6590 fax:(717)255-2889 Jack Lotwick Sheriff DEUTSCHE BANK TRUST COMPANY Commonwealth of Pennsylvania AMERICAS F/K/A BANKERS TRUST COMPANY, ET AL VS County of Dauphin GREGORY CASNER Sheriffs Return No. 2014-T-0035 OTHER COUNTY NO. 2013-6256 And now: JANUARY 9, 2014 at 9:20:00 AM served the within COMPLAINT IN MORTGAGE FORECLOSURE upon GREGORY CASNER by personally handing to HENRY ROBINSON * 1 true attested copy of the original COMPLAINT IN MORTGAGE FORECLOSURE and making known to him/her the contents thereof at 2203 NORTH 4TH STREET HARRISBURG PA 17110 * TENANT AND RESIDENT OF ADDRESS 2203 NORTH 4TH STREET, HARRISBURG, PA 17110. So Answers,egiac___ COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL Sheriff of Dauphin County, Pa. TEAR LAVENDER Notary Public CITY OF HARRISBURG,DAUPHIN CNTY By My Commission Expires Feb 3,2014 DepC67 Sheriff d,oii yewattt t& 0, 13/1'/ Deputy: JEFF TEETER Sheriffs Costs: $47.25 1/7/2014 KML Law Group, P.C. Suite 5000 - BNY Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 Attorney for Plaintiff Deutsche Bank Trust Company Americas formerly know as Bankers Trust Company, as Trustee for Residential Asset Securities Corporation, Home Equity Mortgage Asset -Backed Pass -Through Certificates, Series 2002 -KS 1 3451 Hammond Avenue Waterloo, IA 50702 vs. GREGORY CASNER, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, HENRY BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, MELVIN BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, RICHARD BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, SUSAN DARR, Solely in Her Capacity as Heir of HENRY B. CASNER, Deceased and UNKNOWN HEIRS OF HENRY B. CASNER, Deceased 52 West Main Street Plainfield, PA 17081 IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY Term No. 13-6256 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. MOTION FOR SUBSTITUTED SERVICE UNDER PA.R.C.P. 430(a) Plaintiff, by and through its attorney, in support of its Motion for Substituted Service, represents as follows: 1) Plaintiff is the holder of a mortgage upon the premises 52 West Main Street , Plainfield , PA, 17081, hereinafter, the "mortgaged premises". 2) Defendant, GREGORY CASNER, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, HENRY BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, MELVIN BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, RICHARD BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, SUSAN DARR, Solely in Her Capacity as Heir of HENRY B. CASNER, Deceased and UNKNOWN HEIRS OF HENRY B. CASNER, Deceased, are the real owners of the mortgaged premises. 3) Defendant, HENRY B. CASNER is deceased as of May 28, 2013. Upon information and belief, no estate has been raised by the heirs of HENRY B. CASNER, Deceased. Accordingly, the identity and whereabouts of the heirs of HENRY B. CASNER, Deceased, if any, cannot be ascertained by Plaintiff. 4) Pursuant to Pa.R.C.P. 1144(a)(2)-(3) and (b), the heirs of Defendant, HENRY B. CASNER, Deceased are necessary parties to the instant action. 5) Plaintiff will be unable to effect service of the Complaint in Mortgage Foreclosure upon UNKNOWN HEIRS OF HENRY B. CASNER, Deceased unless Plaintiff is permitted to do so pursuant to Pa.R.C.P. 430(a) and (b)(1) and (2). 6) The following investigation was conducted in a good faith attempt to ascertain the whereabouts of the unknown heirs of HENRY B. CASNER, Deceased: See attached Affidavit. WHEREFORE, Plaintiff prays that the Court enter the attached order allowing Plaintiff to serve the Complaint upon UNKNOWN HEIRS OF HENRY B. CASNER, Deceased by publication, posting and mailing. By: KML LAW GROUP, P.C. Michael McKeever Pa. ID 56129 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Jill P. Jenkins Pa. ID 306588 &CAlyk Oflazian Pa. ID 312912 Salvatore Filippello Pa. ID 313897 Attorneys for Plaintiff ProVest, LLC Affidavit of Good Faith Investigation Amended Client provided information: File Number: 120087FC Attorney Firm: KML LAW GROUP, P.0 Subject Name: HENRY B. CASNER Property Address: Street: 52 West Main Street City: Plainfield State: PA Zip 17081 Skip Results: Date of Birth: - ProVest File Number: 3696245 Date of Death: 05/28/2013 VERIFIED Dates: As of 9/13/2013 Death Records: As of 7/3/2013, the Social Security Administration has a death record on file for Henry B. Casner. Social Security Number search completed. HEIR SEARCH RESULTS: Heir #1: Melvin Brownawell Street: 102 Parsonage St City: Newville State: PA Heir #2: Richard Brownawell Street: 10 Hill Dr City: Newville State: PA Heir #3: Henry Brownawell Street: 1901 Douglas Dr City: Carlisle State: PA Heir #4: Gregory Casner Street: 516 Hamilton St City: Harrisburg State: PA Heir #5: Susan Darr Street: 436 Factory St City: Carlisle State: PA Date of Birth: N/A Phone: N/A Zip: 17241 Date of Birth: N/A Phone: N/A Zip: 17241 Date of Birth: N/A Phone: N/A Zip: 17013 Date of Birth: N/A Phone: N/A Zip: 17102 Date of Birth: N/A Phone: N/A Zip: 17013 Comments: Obituary located in The Sentinel, The (Carlisle, PA) - May 28, 2013 listing the following: Surviving are five children, Melvin Brownawell (and wife, Kim) of Newville, Richard Brownawell (and wife, Mary) of Newville, Henry Brownawell of Carlisle, Susan Darr (and husband, Dave) of Carlisle, and Gregory Casner (and his companion, Amber Foley) of Harrisburg. A death certificate was not provided. Melvin Brownawell (son) -102 PARSONAGE ST NEWVILLE PA 17241-1206 Richard Brownawell (son) - 10 HILL DR NEWVILLE PA 17241-8626 Henry Brownawell (son) - 1901 DOUGLAS DR CARLISLE PA 17013-1020 (Mail is delivered to PO BOX 128 PLAINFIELD, PA 17081-0128) Gregory Casner (son) - 516 HAMILTON ST HARRISBURG PA 17102-1656 Susan Darr (daughter) - 436 FACTORY ST CARLISLE PA 17013-1851 No other verified heirs located. On 9/13/2013, I, Donna Knuckles being duly sworn according to the law, deposes and says: I am employed by ProVest, LLC. I have conducted an investigation into the whereabouts of the above named subject. Above are the results of my investigation. Subscribed and sworn to before me, SEP 13 2013 Affiant Name: Donna Knuckles Notary Publi L Date: 9/13/2013 JOSHUA N. PIMENTEL Notary Public, State of Florida My Comm. Expires May 24, 2015 No. EE 97050 T71L1...•>'e+i,7c%G14— iberty Bell Agency, Inc. 701 Market Street, Mellon Independence Center - Suite 6001, Philadelphia, PA 19106 .1cr;C' (215) 625-3660 • Fax: (215) 625-9285 • www.LibertyBellAgency.com Wednesday, July 10, 2013 Order #: LBA-1304676 ESTATE RECORDS SEARCH PREMISES: 52 West Main Street DECEDENT: Henry B. Casner COUNTY SEARCHED: Cumberland A search of the estate records, to discover any filings for the Estate of Henry B. Casner, who purportedly died on or about 5/28/2013, was completed in the Office of the Register of Wills for Cumberland. The results of the search disclosed: No filings as of 7/1/2013 KML Law Group, P.C. Suite 5000 - BNY Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 Attorney for Plaintiff Deutsche Bank Trust Company Americas formerly know as Bankers Trust Company, as Trustee for Residential Asset Securities Corporation, Home Equity Mortgage Asset -Backed Pass -Through Certificates, Series 2002 -KS 1 3451 Hammond Avenue Waterloo, IA 50702" vs. GREGORY CASNER, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, HENRY BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, MELVIN BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, RICHARD BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, SUSAN DARR, Solely in Her Capacity as Heir of HENRY B. CASNER, Deceased and UNKNOWN HEIRS OF HENRY B. CASNER, Deceased 52 West Main Street Plainfield, PA 17081 IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY No. 13-6256 MEMORANDUM OF LAW IN SUPPORT OF MOTION FOR SUBSTITUTED SERVICE UNDER Pa.R.C.P. 430(a) After the filing of the complaint, Plaintiff discovered that Defendant HENRY B. CASNER, is deceased and no estate has been raised by his heirs, if any. Pursuant to Pa.R.C.P. 1144(a)(3) and (b), the heirs of Defendant, HENRY B. CASNER, Deceased are necessary parties to the instant action. As the heirs of Defendant, HENRY B. CASNER, Deceased are unknown, Plaintiff seeks a special order of court, as provided in Pa.R.C.P. 430(a), which provides: (a) If service cannot be made under the applicable rule the plaintiff may move the court for a special order directing the method of service. The motion shall be accompanied by an affidavit stating the nature and extent of the investigation, which has been made to determine the whereabouts of the defendant and the reasons why service cannot be made. The affidavit accompanying this motion sets forth the attempts by Plaintiff to locate the heirs of the deceased Defendant, which affidavit fully complies with Pa.R.C.P. 430. See, Note to Rule 430. As stated above, the heirs of Defendant, HENRY B. CASNER, Deceased are unknown, as no estate has been raised. In this instance, the Court may permit publication against the heirs or assigns generally. Pa.R.C.P. 430(b)(2) specifically provides: (2) When service is made by publication upon the heirs and assigns of a named former owner or party in interest, the court may permit publication against the heirs or assigns generally if it is set forth in the complaint or an affidavit that they are unknown. In summary, Plaintiff must join the unknown heirs of the deceased Defendant, HENRY B. CASNER in order to properly prosecute its foreclosure action. Pa.R.C.P. 1144(a)(3) and (b). As defendant's heirs are unknown, the rules of court provide for this honorable Court to issue a special order approving alternative service by publication. Pa.R.C.P. 430(a) and (b)(2). Plaintiff respectfully requests such an order be granted, to permit it to properly prosecute the instant foreclosure action. CONCLUSION This case involves unknown heirs, which are necessary parties to the instant mortgage foreclosure action. Pa.R.C.P. 1144(a)(2)-(3) and (b). Plaintiff seeks leave of court to serve said unknown heirs by alternate service. The Rules of Court specifically empower this honorable Court to grant the requested relief. See, Pa.R.C.P. 430(a) and (b)(2). For these and the foregoing reasons, Plaintiff respectfully requests this honorable Court enter the attached order permitting service upon the unknown heirs by publication. By: KML LAW ROUP, P.C. Michael McKeever Pa. ID 56129 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Jill P. Jenkins Pa. ID 306588 �lyk Oflazian Pa. ID 312912 Salvatore Filippello Pa. ID 313897 Attorneys for Plaintiff KML Law Group, P.C. Suite 5000 - BNY Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 Attorney for Plaintiff Deutsche Bank Trust Company Americas formerly know as Bankers Trust Company, as Trustee for Residential Asset Securities Corporation, Home Equity Mortgage Asset -Backed Pass -Through Certificates, Series 2002 -KS 1 3451 Hammond Avenue Waterloo, IA 50702 vs. GREGORY CASNER, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased HENRY BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased MELVIN BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased RICHARD BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased SUSAN DARR, Solely in Her Capacity as Heir of HENRY B. CASNER, Deceased UNKNOWN HEIRS OF HENRY B. CASNER, Deceased 52 West Main Street Plainfield, PA 17081 IN THE COURT OF COMMON PLEAS CERTIFICATE OF SERVICE of Cumberland County Term No. 13-6256 Marlene Powers, an employee of KML Law Group, P.C., counsel for plaintiff, does hereby certify that true and correct copies of the foregoing Motion for Substituted Service have been served upon the Defendants, GREGORY CASNER, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, HENRY BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, MELVIN BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, RICHARD BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, SUSAN DARR, Solely in Her Capacity as Heir of HE�;Y B. CASNER, Deceased and UNKNOWN HEIRS OF HENRY B. CASNER, Deceased this '"day of May 2014, by first class mail, postage prepaid. GREGORY CASNER, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased 2203 N 4th Street Harrisburg, PA 17110 HENRY BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased 52 West Main Street Plainfield, PA 17081 MELVIN BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased 11 Fairfield Street Newville, PA 17241 RICHARD BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased 10 Hill Drive Newville, PA 17241 SUSAN DARR, Solely in Her Capacity as Heir of HENRY B. CASNER, Deceased 436 Factory Street Carlisle, PA 17013 UNKNOWN HEIRS OF HENRY B. CASNER, Deceased 52 West Main Street Plainfield, PA 17081 GREGORY CASNER, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased 52 West Main Street Plainfield, PA 17081 GREGORY CASNER, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased 516 Hamilton Street Harrisburg, PA 17102 HENRY BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased 1901 Douglas Drive Carlisle, PA 17013 MELVIN BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased 102 Parsonage Street Newville, PA 17241 MELVIN BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased 52 West Main Street Plainfield, PA 17081 RICHARD BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased 52 West Main Street Plainfield, PA 17081 SUSAN DARR, Solely in Her Capacity as Heir of HENRY B. CASNER, Deceased 52 West Main Street Plainfield, PA 17081 By: .C. Marlene Powers, Legal Secretary Direct Phone: 215-825-6340 KML aw Group, Deutsche Bank Trust Company Americas formerly know as Bankers Trust Company, as Trustee for Residential Asset Securities Corporation, Horne Equity Mortgage Asset -Backed Pass -Through Certificates, Series 2002 -KS 1 vs. GREGORY CASNER, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased HENRY BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased MELVIN BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased RICHARD BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased SUSAN DARR, Solely in Her Capacity as Heir of HENRY B. CASNER, Deceased UNKNOWN HEIRS OF HENRY B. CASNER, Deceased ORDER IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY Term No. 13-6256 nA AND NOW, this \ day of 7k.wG 2014, upon consideration of the Plaintiffs Motion for Substituted Service under Pa.R.C.P. 430(a) and it appearing to the Court that Plaintiffs good faith efforts to ascertain the present whereabouts of Defendant, UNKNOWN HEIRS OF HENRY B. CASNER, Deceased, have been unsuccessful, it is hereby ORDERED and DECREED that Plaintiffs Motion is granted and the Sheriff and/or Plaintiff is directed to Serve the Complaint in Mortgage Foreclosure upon Defendant, UNKNOWN HEIRS OF HENRY B. CASNER, Deceased, by (i) publication as provided in Pa.R.C.P. 430(b)(2), (ii) posting a copy of the Complaint upon the subject property, located at 52 West Main Street , Plainfield , PA, 17081 (the "Property"), and (iii) sending a copy of same by certified and regular mail to the Property; and, it is further ORDERED and DECREED that Plaintiff shall serve the Notice of Sheriff's sale upon Defendant, UNKNOWN HEIRS OF HENRY B. CASNER, Deceased by (i) posting a copy of the Complaint upon the Property, and (ii) sending a copy of same by certified and regular mail to the Property; and, it is further ORDERED and DECREED that all other legal papers shall be served upon Defendant, UNKNOWN HEIRS OF HENRY B. CASNER, Deceased, by sending a copy of same by regular mail to the Property. Service is complete upon mailing. BY THE COURT: KML Law Group) P.C. SUITE 5000 — BNY INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19;106-1532 (215)62711;322 ATTORNE4',IFOR PLAINTIFF Deutsche Bank Trust' Company Americas formerly know as Bankers Trust Company, as Trustee for Residential Asset Securities Corporation, Home Equity Mortgage Asset -Backed Pass -Through Certificates, Series 2002 -KSI 3451 Hammond Avenue Waterloo, IA 50702 Plaintiff vs. • i •r rC PRG THONOIA„j 2014 JUN (0 PH 1: U q CUMBERLAND C PENNSy IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE Term No. 13-6256 GREGORY CASNER, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased HENRY BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased MELVIN BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased RICHARD BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased SUSAN DARR, Solely in Her Capacity as Heir of HENRY B. CASNER, Deceased UNKNOWN HEIRS OF HENRY B. CASNER, Deceased (Mortgagor and Record Owner) 52 West Main Street Plainfield; PA 17081 Defendant(s) PRAECIPE TO DISMISS DEFENDANT Kindly dismiss MELVIN BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Plaintiff releases him from liability pursuant to Pa.R.C.P. 1144(b). Respectfully submitted, By: KML LAW GROUP, P.C. Michael McKeever Pa. ID 56129 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Jay E. Kivitz Pa. ID 26769 Jill P. Jenkins Pa. ID 306588 7ZAlyk L. Oflazian Pa. ID 312912 Attorneys for Plaintiff KML Law Group, P.C. SUITE 5000 — BNY INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106 (215) 627-1322 ATTORNEY FOR PLAINTIFF Deutsche Bank Trust Company Americas formerly know as Bankers Trust Company, as Trustee for Residential Asset Securities Corporation, Home Equity Mortgage Asset -Backed Pass -Through Certificates, Series 2002-KS1 3451 Hammond Avenue Waterloo, IA 50702 Plaintiff vs. GREGORY CASNER, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased HENRY BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased MELVIN BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased RICHARD BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased SUSAN DARR, Solely in Her Capacity as Heir of HENRY B. CASNER, Deceased UNKNOWN HEIRS OF HENRY B. CASNER, Deceased (Mortgagor(s) and Record Owner(s)) 52 West Main Street Plainfield , PA 17081 Defendant(s) IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE CERTIFICATE OF SERVICE Term No. 13-6256 Nick Barone, hereby certifies that he/she did serve true and correct copies of Praecipe to Dismiss Defendant and all supporting papers attached hereto upon Defendant, by first class mail, postage pre -paid, on GREGORY CASNER, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased 2203 N 4th Street Harrisburg, PA 17110 HENRY BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased 52 West Main Street Plainfield, PA 17081 MELVIN BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased 11 Fairfield Street Newville, PA 17241 RICHARD BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased 10 Hill Drive Newville, PA 17241 SUSAN DARR, Solely in Her Capacity as Heir of HENRY B. CASNER, Deceased 436 Factory Street Carlisle, PA 17013 UNKNOWN HEIRS OF HENRY B. CASNER, Deceased 52 West Main Street Plainfield, PA 17081 GREGORY CASNER, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased 52 West Main Street Plainfield, PA 17081 GREGORY CASNER, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased 516 Hamilton Street Harrisburg, PA 17102 HENRY BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased 1901 Douglas Drive Carlisle, PA 17013 RICHARD BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased 52 West Main Street Plainfield, PA 17081 SUSAN DARR, Solely in Her Capacity as Heir of HENRY B. CASNER, Deceased 52 West Main Street Plainfield, PA 17081 By: KML Law Group, P.C. Nick Barone, Legal Assistant @kmllawgroup.com 215-825-6 (Direct Phone) KML, Law Group, P.C. SUITE 5000 — BNY INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106-1532 (215) 627-1322 ATTORNEY FOR PLAINTIFF Deutsche Bank Trust Company Americas formerly know as Bankers Trust Company, as Trustee for Residential Asset Securities Corporation, Home Equity Mortgage Asset -Backed Pass -Through Certificates, Series 2002-KS1 3451 Hammond Avenue Waterloo, IA 50702 Plaintiff vs. GREGORY CASNER, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased HENRY BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased RICHARD BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased SUSAN DARR, Solely in Her Capacity as Heir of HENRY B. CASNER, Deceased UNKNOWN HEIRS OF HENRY B. CASNER, Deceased 52 West Main Street Plainfield , PA 17081 Defendant(s) IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE Term No. 13-6256 PRAECIPE TO REINSTATE COMPLAINT Kindly reinstate the Complaint in the above captioned matter. By: KML LAW ROUP, P.C. Michael McKeever Pa. lD 56129 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Jay E. Kivitz Pa. ID 26769 Jill P. Jenkins Pa. ID 306588 Joshua I. Goldman Pa. 205047 -Jennifer Lynn Frechie Pa. ID 316160 Jennifer L. Oflazian Pa. ID 312912 Attorneys for Plaintiff SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff �' ,L t Lj E He P��oTHatN' Jody S Smith �41t Chief Deputy It �tJN 2a PM y; .413 Richard W Stewart - Solicitor OFFICEOFTPfZSkEr1jrr ( UMSERLAND COWN'T Y PENNSYLVANIA Deutsche Bank National Trust Company Case Number vs. Gregory Casner(et al.) 2013-6256 SHERIFF'S RETURN OF SERVICE 06/19/2014 07:47 PM - Deputy Dawn Kell, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure upon the within named Defendant,to wit: Unknown Heirs of Henry B. Casner, Deceased, pursuant to Order of Court by"Posting"the premises located at 52 West Main Street, West Pennsboro, Plainfield, PA 17081 with a true and correct copy according to law. I�L)(LLV-n 4 - �W, DAWN KELL, DEPUTY SHERIFF COST: $40.78 SO ANSWERS, June 20, 2014 RbNW R ANDERSON, SHERIFF (C)CGU-(ySuRe Sheriff,Telecisoft,Me. KML Law Group,.P.C. Suite 5000 - BNY Iriependence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 Attorney for Plaintiff OF .11E R° riga 2014 JN30 p1 cU11aERLY � 18 PENNS COONI v Deutsche Bank Trust Company Americas formerly know as Bankers Trust Company, as Trustee for Residential Asset Securities Corporation, Home Equity Mortgage Asset -Backed Pass -Through Certificates, Series 2002- KS1 3451 Hammond Avenue Waterloo, IA 50702 vs. GREGORY CASNER, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, HENRY BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, RICHARD BROWNAWELL, Solely in His Capacity as Heir of HENRY B. CASNER, Deceased, SUSAN DARR, Solely in Her Capacity as Heir of HENRY B. CASNER, Deceased and UNKNOWN HEIRS OF HENRY B. CASNER, Deceased Mortgagor(s) 52 West Main Street Plainfield , PA 17081 Defendant(s) IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY CERTIFICATE OF SERVICE The undersigned, on behalf of Plaintiff, hereby certifies that on CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE Term No. 13-6256 he did serve upon Defendant UNKNOWN HEIRS OF HENRY B. CASNER, Deceased a true and correct copy of the above -captioned Complaint by certified and regular mail in accordance with the Court Order dated June 2nd 2014. The undersigned understands that the statements herein and subject to the penalties provided by 18 P.S. Section 4904. By: Respectfully submitted, KML Law Group, P.C. Nick Barone, Legal Assistant NBarone@kmllawgroup.com 215-825-6365 (Direct Phone) ffir ONO� , PROOF OF PUBLICATION OF NOTICE A f� IN CUMBERLAND LAW JOURNAL JUL��114 r (Under Act No. 587, approved May 16, 1929), P. L t _ ! 5 PM 2: 5 4 .. NNIS YL V �� N1ArY COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND• ss. Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, Viz June 27, 2014 NOTICE OF ACTION IN MORTGAGE FORECLOSURE In the Court of Common Pleas Cumberland County Civil Action—Law No. 13-6256 Deutsche Bank Trust Company Americas formerly known as Bankers Trust Company, as Trustee for Residential Asset Securities Corporation, Home Equity Mortgage Asset -Backed Pass -Through Certificates, Series 2002 -KS 1, vs. Gregory Casner, Solely Capacity as Heir of Henry B. Casner, Deceased, Henry Brownawell, Solely in His Capacity as Heir of Henry B._Casner, Deceased, Richard Brownawell, 47-‘ T -n. Heir of Plaintiff in His that he is authorized to verify this statement by the Cumberland al of general circulation, and that he is not interested in the subject or advertisement, and that all allegations in the foregoing ad character of publication are true. qe Editor Marie Coy SWORN TO AND SUBSCRIBED before me this 27 day of June, 2014 COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BORO., CUMBERLAND CNTY My Commission Expires Apr 28, 2018 Henry B. Casner, Deceased, Susan Darr, Solely in Her Capacity as Heir of Henry B. Casner, Deceased & Unknown Heirs of Henry B. Casner, Deceased, Mortgagors and Real Owners, Defendants To: Unknown Heirs of Henry B. Cas- ner, Deceased, Mortgagor and Real Owner, Defendant(s), whose last known address is 52 West Main Street, Plainfield, PA 17081 This 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. You are hereby notified that Plain- tiff, Deutsche Bank Trust Company Americas formerly known as Bankers Trust Company, as Trustee for Resi- dential Asset Securities Corporation, Home Equity Mortgage Asset -Backed Pass -Through Certificates, Series 2002-KS1, has filed a Mortgage Fore- closure Complaint endorsed with a notice to defend against you in the Court of Common Pleas of Cumber- land County, Pennsylvania, docketed to No. 13-6256, wherein Plaintiff seeks to foreclose on the mortgage secured on your property located, 52 West Main Street, Plainfield, PA 17081, whereupon your property will be sold by the Sheriff of Cumberland County. NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you i must take action within twenty (20) days after the Complaint and notice are served, by entering a written ap- pearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint 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. 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 informa- tion about agencies that may offer legal services to eligible persons at a reduced fee or no fee. Cumberland County Bar Assoc. 32 S. Bedford St. Carlisle, PA 17013 (717) 249-3166 Legal Services Inc. 401 E. Louther St. Ste. 103 Carlisle, PA 17013 (717) 243-9400 MICHAEL T. MCKEEVER, ESQUIRE KML LAW GROUP, P.C. Attys. for Plaintiff Mellon Independence Center 701 Market St. Ste. 5000 Philadelphia, PA 19106-1532 (215) 627-1322 June 27 PROOF OF PUBLICATION State of Pennsylvania, County of Cumberland Patrick Doane, Production Director, of The Sentinel, of the County and State aforesaid, being duly sworn, deposes and says that THE SENTINEL, a newspaper of general circulation in the Borough of Carlisle, County and State aforesaid, was established December 13th, 1881, since which date THE SENTINEL has been regularly issued in said County, and that the printed notice or publication attached hereto is exactly the same as was printed and published in the regular editions and issues of Tune 27, 2014. COPY OF NOTICE OF PUBLICATION In The Court of Common Pleas Cumberland County Civil Action - Law No. 13-6259. ` Notice of Action in Mortgage Foreclosure 5any Americas formerly known as Bankers Trust Company, as Trustee for Residential Asset Nome Equity Mortgage Asset -Backed Pass -Through Certificates, Series 2002-KS1 t, Solely in His Capacity as Heir of Henry B. Casner, Deceased, Henry Brownawell, Solely f Henry B. Casner, Deceased, Richard Brownawell, Solely in His Capacity as Heir of Henry Jsan Darr, Solely in Her Capacity as Heir of Henry B. Casner, Deceased & Unknown Heirs ,eased, Mortgagors and Real Owners, Defendants y B. Casner, Deceased, Mortgagor and Real Owner, Defendant(s), whose last known Street, Plainfield, PA 17081. This firm is a debt collector and we are attempting to collect a ny information obtained from you will be used for the purpose of collecting the debt. You are tiff, Deutsche Bank Trust Company Americas formerly known as Bankers Trust Company, if Asset Securities Corporation, Home Equity Mortgage Asset -Backed Pass -Through rKS1 has filed a Mortgage Foreclosure Complaint endorsed with a notice to defend against pon Pleas of Cumberland County, Pennsylvania, docketed to No. 13-6256, wherein Plaintiff mortgage secured on your property located, 52 West Main Street, Plainfield, PA 17081, will be sold by the Sheriff of Cumberland County. Notice: You have been sued in court. If st the claims set forth in the following pages, you must take action within twenty (20) days iotice are served, by entering a written appearance personally or by attorney and filing in r defenses or objections to the claims set forth against you. You are wamed that if you fail to, eed without you and a judgment may be entered against you by the Court without further fined in the Complaint for any other claim or relief requested by the Plaintiff. You may lose er rights important to you. You should take this paper to your lawyer at once. If you do not afford one, go to or telephone the office set forth below. This office can provide you with a lawyer. If you cannot afford to hire a Lawyer, this office may be able to provide you with fes that may offer legal services to eligible persons at a reduced fee or no fee. Cumberland 32 South Bedford Street, Carlisle, PA 17013, 717-249-3166. Legal Services Inc., 401 East I, Carlisle, PA 17013, 717-243-9400. Michael T. McKeever, Attorney for Plaintiff, KML Law Mellon Independence Center, 701 Market Street, Philadelphia, PA 19106-1532, Affiant further deposes that he/ she is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statement as to time, place and character of publication are true. Sworn to and subscribed before me this dotcluty Rol . Notafy Public My commission expires: COMMONWEALTH OF PENNSYLVANIA NotaHal Seal Bethany M. Holtry, Notary Public Carlisle Boro, Cumberland County My Commission Expires Sept. 26, 2015 MEMBER, PENNSYLVANIA ASSOCIATION OF NOTARIES (610)254,-9980 Fax: (61Q)254-9982 Email: orders@mansfieldads.com KML Law Group, P.C. Attn: Nick Barone Mellon Independence Center 701 Market St., Ste. 5000 Philadelphia, PA 19106-1532 WJM William J. Mansfield, Inc. Legal Advertising Suite 1209 998 Old Eagle School Road Wayne, PA 19087-1805 Your choice for legal advertising Since 1935 KML Invoice#: 2014060279 Date: 7/09/2014 In Re: Mortgage Foreclosure DEUTSCHE vs. CASNER (NO. 13-6256) (120087FC) Service Charge: 20.00 Publications: The Carlisle Sentinel; Carlisle, PA 17013 287.28 Published: 6/27/2014 Cumberland Law Journal; Carlisle, PA 17013 317.00 Published: 6/27/2014 Total Due: $624.28 INVOICE PAYMENT NOT CONTINGENT ON CLIENT REIMBURSEMENT. ALL INVOICES ARE NET 30 DAYS Note: Customer copy This copy is for your records.