HomeMy WebLinkAbout13-7219 A
Court of Common Pleas
Civil Cover Sheet For Prothonotary Use Only:
Docket No:
Cumberland County 1 ?,� ) )
1
The information collected on this form is used solely for court administration purposes. This form does not
supplement or replace the filing and service ofpleadings or other papers as required by law or rules of court.
Commencement of Action:
® Complaint ❑ Writ of Summons ❑ Petition
S ❑ Transfer from Another Jurisdiction
❑ Declaration of Taking
E Lead Plaintiff's Name: Bank of America, N.A. Lead Defendant's Name: Nicholas J. Swett, Executor
C of the Estate of Amy A. Lebard, deceased
T
Dollar Amount Requested: ❑ within arbitration limits
I Are money damages requested ?: ❑ Yes ® No (Check one) ® outside arbitration limits
O
N Is this a -Class Action Suit? ❑ Yes ® No Is this an MDJ Appeal? ❑ Yes ® No
A Name of Plaintiff /Appellant's Attorney: Christopher A. DeNardo, Esquire
❑ Check here if you have no attorney (are a Self- Represented [Pro Se] Litigant)
Nature of the Case: Place an "X" to the left of the ONE case category that most accurately describes your
PRIMARY CASE. If you are making more than one type of claim, check the one that
you consider most important.
TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS
❑ Intentional ❑ Buyer Plaintiff Administrative Agencies
❑ Malicious Prosecution ❑ Debt Collection: Credit Card ❑ Board of Assessment
❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections
❑ Nuisance ❑ Dept. of Transportation
❑ Premises Liability ❑ Statutory Appeal: Other
S ❑ Product Liability (does not ❑ Employment Dispute:
include mass tort) Discrimination
E ❑ Slander /Libel /Defamation ❑ Employment Dispute: Other
C ❑ Other: El Zoning Board
T ❑ Other:
I ❑ Other:
O MASS TORT
N ❑ Asbestos
❑ Tobacco
❑ Toxic Tort - DES
❑ Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS
B ❑ Toxic Waste ❑ Ejectment E] Common Law /Statutory Arbitration
❑ Other: ❑ Eminent Domain /Condemnation ❑ Declaratory Judgment
❑ Ground Rent ❑ Mandamus
❑ Landlord /Tenant Dispute ❑ Non- Domestic Relations
® Mortgage Foreclosure: Residential Restraining Order
PROFESSIONAL LIABILITY ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto
❑ Dental ❑Partition ❑ Replevin
❑ Legal ❑ Quiet Title ❑ Other:
❑ Medical ❑ Other:
❑ Other Professional:
Updated 1 /1/2011
SHAPIRO & DeNARDO, LLCM.
BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 C
CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 ;7 `
AMY GLASS, ESQUIRE, ATTORNEY I.D. NO. 308367 1',,?,
BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278 -6800
S & D FILE NO. 13- 044157
Bank of America, N.A. COURT OF COMMON PLEA_ S
PLAINTIFF CIVIL DIVISION
CUMBERLAND COUNTY
VS.
NO: •��'� U�
Nicholas J. Swett, Executor of the Estate of
Amy A. Lebard, deceased
6137 Leesburg Pike, Apt. 604
Falls Church, VA 22041
DEFENDANT
COMPLAINT - CIVIL ACTION
MORTGAGE FORECLOSURE
NOTICE
YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE
FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND
NOTICE ARE'SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN
WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU
ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE
ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE
COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY
OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR
CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN
GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
ICS .`1Is P
10
(� 1+ 1 qnl Sod �,
a
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717- 249 -3166
PURSUANT TO THE FAIR DEBT COLLECTION
PRACTICES ACT YOU ARE ADVISED THAT THIS LAW
FIRM IS DEEMED TO BE A DEBT COLLECTOR
ATTEMPTING TO COLLECT A DEBT. ANY
INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
NOTICIA
LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE
DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES,
USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA
DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA
ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA
ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU
PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA
MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O
NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA
PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O
OTROS DERECHOS IMPORTANTES PARA USTED.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE
ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO,
VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION
SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE
CONSEGUIR ASISTENCIA LEGAL.
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717- 249 -3166
SHAPIRO & DeNARDO, LLC
BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447
CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403
AMY GLASS, ESQUIRE, ATTORNEY I.D. NO. 308367
BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278 -6800
S & D FILE NO. 13- 044157
Bank of America, N.A. COURT OF COMMON PLEAS
PLAINTIFF CIVIL DIVISION
CUMBERLAND COUNTY
VS.
NO:
Nicholas Swett, Executor of the Estate of
Amy A. Lebard, deceased
6137 Leesburg Pike, Apt..604
Falls Church, VA 22041
DEFENDANT
COMPLAINT IN MORTGAGE FORECLOSURE
Plaintiff, Bank of America, N.A., the address of which is, 400 Countrywide Way, Simi
Valley, California 93065 -6298, brings this action of mortgage foreclosure upon the following
cause of action:
1. (a) Parties to Mortgage
Mortgagee Mortgage Electronic Registration Systems, Inc., as nominee for The
New York Mortgage Company, LLC, its successors and assigns
Mortgagor (s : Waverly E. Lebard and Amy A. Lebard
(b) Date of Mortgage September 22, 2005
(c) Place and Date of Record of Mortgage
Recorder of Deeds
Cumberland County Mortgage Book 1925, Page 3129
Date: October 5, 2005
The Mortgage is a matter of public record and is incorporated herein as provided
by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached
hereto and marked as Exhibit "A" and incorporated herein by reference.
(d) Assignments
a ,
Assignor: Mortgage Electronic Registration Systems, Inc., as nominee for The
New York Mortgage Company, LLC, its successors and assigns
Assignee: Bank of America, N.A.
Date of Assignment: August 19, 2013
Recording Date: August 21, 2013
Instrument No.: 201327870
2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal
successor in interest to the original Mortgagee, or is the present holder of the mortgage by
operation of law.
3. The real property which is subject to the Mortgage is generally known as 438 South
Baltimore Avenue, Mount Holly Springs, PA 17065 and is more specifically described as
attached as part of Exhibit "A ".
4. Each Mortgagor named in Paragraph 1 executed a note as evidence of the debt secured
by the Mortgage (the "Note "). The Plaintiff, directly or through an agent, has possession
of the promissory note. The promissory note is either made payable to the Plaintiff or has
been duly indorsed. A true and correct copy of the Note is attached and marked as
Exhibit "B ".
J. The name and mailing address of the Defendant is: Nicholas J. Swett, Executor of the
Estate of Amy A. Lebard, deceased, 6137 Leesburg Pike, Apt. 604, Falls Church, VA
22041.
6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both.
Waverly E. Lebard passed away on or about May 23, 2008 vesting title of the mortgaged
property unto Amy A. Lebard. Amy A. Lebard passed away on or about October 17,
2012, thereby vesting title of the mortgaged property unto Nicholas J. Swett, Executor of
the Estate of Amy A. Lebard.
7. The Mortgage is in default because the monthly installments of principal and interest and
other charges stated below, all as authorized by the Mortgage, are due as of March 1,
2013 and have not been paid, and upon failure to make such payments when due, the
whole of the principal, together with charges specifically itemized below are immediately
due and payable.
8. The following amounts are due as of October 23, 2013:
Principal Balance Due $96,005.11
Interest Currently Due and Owing at 6.25% $4,500.27
From February 1, 2013 through October 31, 2013
Late Charges $142.48
Escrow Advances $1,322.48
TOTAL $101,970.34
9. Interest continues to accrue for each month that the debt remains unpaid, and Plaintiff
may incur other expenses, costs and charges collectible under the Note and Mortgage.
10. In addition to the above amounts, reasonably incurred attorney's fees and costs as well as
proof of title in conformity with the mortgage documents and Pennsylvania law, shall be
sought by Plaintiff and included in any request for judgment.
11. Notice of Intention to Foreclose with the information required pursuant to 41 P.S. § 403
commonly known as Act 6 and demand for payment was sent to each individual Defendant
by Certified and Regular Mail. Copies of the Notice are attached as Exhibit "C ".
12. The Mortgage is insured by the Federal Housing Administration under Title Il of the
National Housing Act (12 U.S.C. § 1707- 1715z -18). Accordingly, the Homeowners'
Emergency Assistance Act of 1983, 35 P.S. § 1680.402c is not applicable.
WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in
favor of Plaintiff and against Defendant, in the amount set forth in paragraphs 8 and 9, together
with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note
and Mortgage and for the foreclosure and sale of the mortgaged premises.
SHAPIRO & DeNARDO, LLC
Date: Z `�
BY:
A or eys for Plainti f
CAITLIN M. DONNELL SQUIBB
S & D File No. 13- 044157
Z
ROB ERT P. ZIEGLER
UCOA., i OF DEEDS
- 1 5 Jcr 5 fin 9 so
BY: Retam To;
E1 zabeth Cannon Qetrnl Anwioaa Cp
1063 TcohmlogyFarbbdve
Glen Allan, VA 233059
Pascal Number
r AWt ie�oo Abo re 9b4 I,b tteooNoa UaW .
CommansvesRh of Tsang "WA PRA Cue No,
MORTGAGE
MIN -
no morwAGE ( "3acurft r Iastrumaat") Is given on P September 22, 2005
Mw Mongagor toWAVERLY E. LEBARO and AMY A. LEBARD, husband and wife
(" orr owe[ ° ), 7bb Sea WtY InSU1I * 11 810ea to Mo o9p fUocb * Reg€6t Moor System, Inc,
(Oti4Lit8"), (witly as w*cc far Loader, as hereinafter defined, ad Lender's YIIOCl wo tad assign), as
mongagoe, MGRS is organized sad existing tmder Ow laws of Delmata, sad hss w addraes and telvowie
number of P.O. Box 2026, Flint, W 48301 -2026, tel. (888) Mhfts.
The New York Mortgage Compaq, LLC, Llmited Liabillty Company
( "Lender ")
Is organized and mfg under the Saws of the state of New York anti
haasaddms 1301 Avenue of Awricas, I:1r 7, New York, NY 10019
. Bozmwer owes 1Rader the FdMipat aura of
One Hundred Seven Thousand Three Hundred Forty and no /100
Dollars (U.S. s 107,340, 00 >.
0 IPA I loaoelwws5w
pop 1 to wnW
vMV �uq. sou;w. ain�
r
g1( 1925FG3129 d am-- '
• I 1
This debt is evidenced by kmwer's note dated the same data as ft Ser dty Instrument ( "Nose "), w"
provides for t x%Wy payments, with %e Rill debt, If not pall earlier, due Od payable on
October 1, 2035 . This smaity Inat msent aeonres to Lander; (e).0w
repayment of lha'debt ovldotxed by the Note, with Iatomh and erg mpeaau, extetudons and modifioWom
of the Note; (b) the prim; of all other some, witb interest, sdva000d under paragraph 7 to protect the
security of this Saourity Inetrunmet; and (c) the perforamm of 80nowar's covansata sad agcoetnaots
wader this Security btstromoat and the Now For We purpose. Borrower apes hereby mortgage, groat sad
ecmvey to MUS (solely as noash m for Leader and Lender's -scomma and weigm) and to the eamessors
sad usigna of MRS. *e fallowing d+aameW pmperty looatad in
CUMBERLAND Cowrty, Faane hquia: _
SEE ATTACHED SCHEDULE A
whlab ho the addrsea of 438 S. BALTIMORE AVENUE [seem;
MOUN HOLLY SPRINGS (cm, p- mOveme 17065 top Gil
( "Amp x` Address ");
TOQ>97 M wrm sU ibs buprovemats now or hereafter mated as the pro(rotty, end all
mom ants, Vpurtammeem and fixtures now or hmdar a part of the pmpotty. All mple m u and
mift as shall plea be covered by this Security Inknu»att. AU of the foregoing is mfenvd to in lids
swa ity hftuw A as the "Pteperty ' Borrower understands mud swm *at Win Will only legal title
to the inAvW g wOW by Bormwer In this Seattity Inp0amt; but, If nosa v to wwply with lsw or
m%94 M6R8, (ae t ombw for Lowder mad Lomdor'e P= mm and amigu). Las the Tight: to erode
� audonon mrintred ofLeader' incloft, bvA not IfmlttW tto, R y
rd sft or oasvelfag t Soourhy
bzuumrnt.
BORROWBA COVENANTS that Borrower Is lawfully wim d of the estate hereby oonveyed ad has
ftts tifptt to mortgage, F mi and convey dw property sad f1aR mite Prep" is -mmuabened, mot for
enmarmees of rouord. Botrower warmers tad will defend genotally mho tltle to the Property 09*0 all
alsims seed de m eds, subject to my mmmba> m of rewd-
no SECURITY INSTRUMENT combines m dfbrm oovemants for aattoaai use sari non- unifom
oovenews with limited varladons by tAlsdiadon to conorm a ualfa m mrily kwxwnem oovo ft real
protelty.
0
ft "IPAI Iowsw npr a d ti0
�t l 925PG3 { 3f3.,
Bom and Linder uoveasmt and agree as follows.
UNIFORM COVENANTS.
1. payment of d bleat m Late Char/e. Borrower aball Pay when due the prl8tdpal of,
and Warm on, the deb ev cod by the Note and late cinrges duo under the Kota.
2, MoMWy Psyment of Tales, hrmoe and Othm Cranes. Borrower shall idtde in each
y pmt, togclhcr wait the prbtotpai and intow w on forth In tits Nerk end tiny boa con". A
spot for (4) taxes and special Ammzacam levied or to. be WW WJW the Ptoporty, (b) lemaehold
pgrnenta or pwa d recta on the Property. () prandnma roodrsd pmsrgh
Ina c for inautenen uadeq a. In
wry year in which the Leader moat pay a mortgago bxn= Mmium to the Seoratary of Homisg and
U*m I ndopmeul ( "StmcWy7, or in arty year in whkb such pr=Wm would have bean r0gWmd if
Linder dill held the Som4w I umu mt, each monthly payment shall rdso include either; (1) a sum for the
mewl mortgage insurance prett*m to be paid by Lander to the Seeoretay, or (in a a WWY cbatge instead
of a mrWV imp= Veml pM if this SmadW Itutrumemt it geld by the Secretary, in a tensonable
amount to be &tcmdnod by the Swretary. Enopt for ten mondrly ohstge by the Sao". these itemta are
called "Escrow Ittena" rani the cams paid to Lm ft are called `$sererw NO
[.ender mq, at ay time, collect and hold arcs mla for Escrow Items in so aggregate Lwow rot m
exceed the M&tu am &Mount that mq be rogdred for Barmwer's meraw meount under the Heal Briefs
Sottloment Pro o&m Act of 1974, 12 U.S.C. Section 2601 of peg, ad igkm regulations, 24 CFR
Part 3500. as they ROY be amended from dit to time (Bf1,9PAI, except that th Whim or reserve
permitted by RESPA for tad diabureara mW or dtaburwcne ats besfore d►e Bemowesr't paymam at
available in the sacount may pot be bmW on IMO M 4140 for the mMWV fnaar m prmnium.
If the amass bald by.Leatder for Becmw It= exceed the AmoCrats fo be hdd by RBSPA,
Lmder shell account to Berrmarues for the excess Moo as ragw l by A. If the amounts of finds hold
by Leader at tq time at not arf80httrt to pay the beerow Rea s when due, Lender mq notify the
Benrower and require Dorroweer to m*e up the shorup as paradoed by RBSPA.
'Ihe Emm Funds we pledged as sdditlonsl security kr all some roared by this Security Insw Medt.
If Borrower teMM 1e Leader the fblt pW MCM of all Inch auras, Sommer now 40 be aedhod with
am bW=w r&mldq for 0li lsshtluoaut itrrmr (x), (b), and (c) and smy mm pp Ineurm promtem
1nownraC$ that Leader has am become obligatad to pay to be Seaetar9, sad bander d ali promptly Whad
XV exoase ftade to borraww. h atae tidy prior to a forecteeme sate of the Property or its aoqutdg a by
Leader, 8ormwer's xxount shall be credited wtth say bAltmce temelutog for All tastWImenta far items (a),
(b). and Q.
3. Apptieatfas of PaynwM& All pq mnts Under paragraphs I and 2 shall be applies! by Lender as
follows
Eh S, to the mortgage imrarm Manitam to be paid by Lender to the Secretary or to the montbly
charge by the Secretary iaatead of the monthly nwrtgage ltrmmm premh=
r W, to any (mtes, spedal ate, knehold paymaate or ground =Ue, and fm, Rood sad
other hs>la d inure pr0mium, a 10CIUM d:
m9Q. to intang due uaft the Note;
&MUL to samoramtion of the prtaaiptd of the Note; and
M to Isle obn a des wader the Note.
0. Firt Biaod Ina o&W HoWd Inaer aM Borrower gall ban all lmpraverr,rats o the
gead wheam now udin fie. Lender t t iny mce aad in
s�.ttvlPnl eeaoeeae o s a ro
t�
an 1 aLJTa J J 1
are amamw sad for the periods Ow Lender mgWm. Borrower stall also trace ail iarpeovemmta on the
Pmporty, whtdher now in axbtaace or tubaoquptdy eructed, WIW loss by floods m the ,Meat required
by the Secretary. AD iusuranoa shall be carried with oampanke approved by Leader. 'ibe In mrx=
policies end any Aumsla *W be Leld by Lender and ahall laclade foal payable ohm is favor of, and in
a from woeptabie to, Loader,
in the everx of loae, Borrower BW give Lender kamiiato notices by mall. Lander may maim proof of
IOU it not made promptly by Bonowm. P,ecb Wm *m convow omorood Ia hereby audattsed and
tWectad to raaibe psiynarat for attcb bar directly m l ertdaa, Ioatead of to Bonrowar
at to Leader joiMly
All or say part oP the lnattranoe proceeds may tro appltad by Leads:, at Us option, skid (a) to the
radlwdon Of tba Iadabtednese ttMer the Nora amd this Seotatty LaatrlaaaeiU, flrat to amy delbaguent trio nets
apprised fa ate order ha paragraph 3, and titea to pr cpap!aaart of pttuoipa[, or. (b) m Qte wotadoa or repair
of ate datnagod Ptvpertq; Aqy applicwion of the io the prlgadipal ahaD not emend or poafpone the
due date of the paymaU, which are to to paragraph 2, or change the ainmrm of such
payn+enta• Any acoeaa tmetttaaoo ptoaetWe av� as amount required m piq sD
WC AM IadebDedneas
under the Note and fhta 5ednity iaatrtrmeat abaft be paid to dw entity legally emitled therdo,
in the event of fbreolotma of thin Saourity or other ttanaftx of title to the PMMW Ow
wWriguhhee the InlebteAaeaa, all right, thle and intereat of Bormwor in and lo iaoauranoepolioiea to force
dwl bars to the pmvbaser.
5.0 ast a>le , INUMNation, MabataNAm amd f<retubm of the ProP�l NoraowWa Loan
A,pplkadonl des, Bormwea absdl occupy, astabliah, and sm the l�periq ere Borrower', principal
me or of d days aft" ft execudnn of tbte Security Irowrtent (o it w atin dirty Hays of a later
aai Property) sad sw contlavc to ooww the Property as Borrowees prim4 al
modence for a3 least ono year alter arm data of oocrpancy, utters Leader det wdm that regotranw will
waive undue bodahip for Borrower, or tralaee emaaathug eiromutaaoca exiat whkh an beyond
Borrower's controL Borrower do Ootify Lefler of any extairuating timmumm, Borrower #hall not
connMt waste or degroy, damw or S*Kafty chr V the Ploporty or allow the property to deteriorate,
reasonable wear mid tsar wrcroptad. LmWor May Wpwt the ROPU ' If tird property Is vaaant or abandoned
or tiro lose is la d>diralt. Ltmadet wary take ream moo action to prow and pramm such vacant or
abxWO* d property. Borrower shaU also be to daf h if Botrewer, dtrr* 111c loan appl( mim ptooeae,
gave I Menially Mae or b aocaate d madion or Memo to Deader (or failed to provide Leader whb
Any maerrlal informMion) In connection with the loan OrWented b7 the Note, dneludiug, but not lbntted to.
mpxsmKa6= concerning llormwees ootatpaocy of rho property as a pdndpal resi cum if iti 5ecomy
kormnent is on a lamebold, Eormwor &ball ooaaply witb tilt p rAgow of the lease, if Bmrmw wqulrea
fa No to the Property, the leaarbold and fee title shall not be merged unime Leader agrtxe to the nmger
in writing.
6. Conde mashes. no pnoomb of any award or olafm for daarap, dim or otmw mUaL in
connection will any oomdemnatien or attar taping of may part of the Property, or for eonvoyacoo is pleas
of condemnation, are herby assigned and aWl be paid to Linder to the extent of the tbq amount of the
Indebtedow Act mnataa u*dd tmder tho Note mad this Saatdty Inattumem Leader shall apply such
prOtrocds to die nadoction of the indebtedness tinder ate Note and thla Secmi►Y lmuu cam, first to any
delh gtxot =WOO applied is the order provided lA paragraph 3, read then to prgmymeat of prinoipal. My
applicaAim of the prooeeda to rho principal shall nA1 exteed or postpone the doe date of the u=Wy
prim". which are referred to In paesgrmpb 2, or cbaoje &a aanuar of such payments. Any susses
preoceda over an aror'tmt regWnd to pay an outenading bodes tinder rim Note and this Security
Inatrttmeat shall be paid to the entity legally added tbaaaem.
� 0
�•4a1SPAi'tClOGSAr rep 4 0 10
8K 't
92.5 PG 3 t 32
7. Chow to aontrwa' and Pr motion of I.eadWil R18W In the TMPO ty. Borrower ebsU pay tU
govemmwW or MoroMpal charges. (ha add hgwhlM that am no ttrcludod in ptrsgraph 2, Borrower
rehab peps the8e obliaa*= on time dtra* to the eatity whtoh la owed the payment. If fdare to pay would
adversely affect !.caper's iatereat in the Property, upon I.emWs regaest batrower ehall pron>pt>y tlradsh
to i emda receipts evidetnoins theca ptaylaouts,
If UozMwer faUe to WXO these paymemta or the payments required by par* 2, or falls to
perform any other oovMW and 8greomats contained in this Soauthy ?Aam=dt, or that is a legal
proceeding dzAt my tigsdHcautty of nit l eudet's rigb% in the Property (erxh U a Protxedlag In
bmkra W, for wxk=&Uon or to eafome Itma or regulations), them Lauder mV do and pay whatever Is
ntoeaaary to proter.t► the valve of tfte hop" and Leaders do in the property, iacludiog payment of
taxes, bard imursmca and oiber.itema augtOMW in patagrspb 2.-. - . .. ...
Any a nouate disbursed by Lender under this paragrspb tdraU become an additional debt of Borrower
and be scoured by 64 &M* brsutnneat. 7Laaa 40=* abaU gear lntereet from the date of
dbbursamont, at the Note rate, and at the option of Lender, shall be bvmc4dety due a>ttl paysWer.
Borrower tdrall ptott►ptly dlec2targe any item whipb hire prtorhy over tills Seoarity lastrueacat Wm
Borrower: (a) ogress in writing to the payment of the obifgatiou scoured by ft Uar in a tnatmer sooaprsble
to Laderl (b) contents in rood faith the Hear by, or defends Uataat tafDmemeat of the Una in, legal
proceedlop which In the Landers opinion operm to pmveat the edbmeieet Of the lien; or (o) MUM
from the bolder of tho Item an agreemed satisfactory to Leader suborp oclag she Urn to this Secures
Instrument. If Leader detmince that pay part of the Property is mWea to a tlmwbkb may attain priority,
over Security Inep:atmt, ruder may glue Harrower a w t idmdtying the Um. Borrower ph l
this
udefy the lien or take out or more of the utiou act ford above widria 10 drys of dte g)viag Of notim,
B. Baca. Leader mt<y oolIM loos and a uuW stdbari W by the Secretary.
9. Grounds 1'otr Aoodaallan of Debt.
(a) DeGudt, Lender may, oxapt as limltel by regulations issued by the Sur r91ory, In the one of
payment daWts, mquire ImmodiWO psytoamt in full of ail anrm seouued by this Swift
laiwament M.
(�1) Borrower ddkWts by failing to pay in W tray monthly payment required by this Soot *
b ibu mri prior to or on the due dtme of the am mmsbly prtymW. or
(0) Borrower dofaulta by falling, for a period Of thirty days. to performr air other obUBWORs
contained in this Security Instrument.
(b) Bak Without Credit Approvs). Lender &ball, of pertnttted by appliuble law (inolodtog
1701J-3(d))
Secdoo 941(tn of h t the priov Wt t. C vul o ih , "be of Payment In fa Of all
1701] ad with . Prim aprval
aua wMald by this Soeurlty faetrumew i
pmpctty, isssold of -ft or other av%forred (other then by devise or trust ). and Or part -0f ft
00 TIM is not ocMied by the pumbaaet or grantee &r bt+ or her prfndpal reIMCA a,
or the p� at groom does to WMpy the Property but hit or her credit has not been
sppmved in aomrchmac with the regaiter of the Sewotary.
fnl t�OW& do not pgnmts, Lender do not war ts! gW with er to
wbtegrteat eveuta.
at"NPA) accents rap e of to
#fit 1925AG3133
(t) BeRulattotar of OW 1 ambry. Iu inane' chMnsta roes tgvlattt m leased by the Sootoaay
Will Mt 1.endes's rights, In the ease of payment ddfhtdta, to require irmmediete payment in (Wl
end foreclose If not paid. This Security Instrument does not authorizo scoelolation or foreclosure if
not perattacd by rqulardoms of rho Seardwy.
(e) Ma tipp Not 1Gume& borrower space lint If thus Security Instrument and duo Note are not
determined to be eligible for luffmace under the Natlonat Hogg A% whldn 60 days from the
dato ho roof, Lender may, at its optEoi), require f r modiato payment In full of all am secured by
this Security lustrument, A written statement of any stUrhsed egeut of ft Secretary dated
aubeequesd to 60 days from the date luml, declining to hm n ibis Sanity bmtrumeat and am
Nom, gltalf be deemed ooncluaive proof of.such bwliSibility, Notwitbatamdfag tba NmSOteg,
option tray not be exercised by Leader whm the unavailability of insurance is solely due to
Leader's fAtM to sesalt a moltgago (amagwo pt0lalam to the Samdary,
1!. )ROWWOMMU, borrower bas a right to be niosteted If Leader ha required iom oliato payment
Ix full boemue of borrower's hIlttre to pq to amount due antler the Note-or this Security butromeat. This
riot appdier eves after foreclosure: prowedtegs an instituted. To relnatate the Swa ty Iuarthu mt,
Borrower shall teada to a hump rom all amounts required to bring Barmrrcr's socoum current inchttidty,
to the extent they are ON WOaa of Borrower tmder this Security instrument, fondoettn costa and
reatotmble ad autat u ry attomoys' ho and asperses properly associated with the foredosaro proceeding..
Upon reinstatement by Bomawn, this Security latuumeN and the oftdous that fl segue: shell rem ib
In effect as if Leader lead met required fmmediat0 payment to fall. However, Lender Is not required to
permit mind Cement ifs 0) Lender has accepted miamsument after the commonoc m of fomcloeun
proceedings within two years hUr nedlately preceding the arrmruauoeneat of a ccaent foreo)oaue
promxUq. (U) 101*90111Mt will preclude foreclosure on dfftbraW grounds in tie tonne, or (iii)
reinstatement will adversely affect the priority of the Ilea ereatod by.tbis Soeodty Instrument.
11. Bor'row'er Not 8etelta4 Borbea =ce By Leader Not a Waiver. Btttaasion of the time of
payment or modiflcadon of smonlatfon of the wums a cared by this So=* betrtut m granted by Lee&
to any suocossar in taWCK of Rommar eba11 not operate to release the 1100 ry of the original Bortowar or
Bourower's sucoessor in interest. Lender shall not be required to octmn ee pt000ediaga agaium any
zwoossor in tamrest or nfbw to extend time for payment or o*mwbo modify amortization of the wins
scoured by this Smaelty hostrument by mason of any demand made by the original bomower or Borrower's
suooaaeors In Interest, Amy forbearance by Lander In exorcising any dght or remedy shell not be a waiver
of or preclude ft meettdto of any rltbt or remedy.
1L ftecdtssar and Assigns Bound{ Joist and Bavatal WbOlty; O"ipm, The covenants and
agiewats of this Security lastramart diall bind and bcft% the sn000mors sad assigas of Lender and
Borrower, s tWeot to the provisions of paragrapb 9(b). Borrower's covenants end agreements ail be joint
and several. Any Borrower who oo -signs We Security two wuat bud dose arm exacuto The Note.. (W is
m4igning ibis Security Instrument only to mottgsge, grant ad convey that borrower's Interest in fie
Property under the terms of this Security Indument; (b) is rat pmonslly obligeted to pay rho Mw
secured by thls Security Instrument; atcl (0) sgxeee a* Leader ad sty other Borrower may agm to
extend, tuodify, forbear or MWO any acoommodalm with regard to the term of this Security Instrument
or the Nom wt0toot that Borrower's consent.
41"(Pnt WWQ O7 Pa. a of to
QK19251`6313hi
M Netiea. Any notice to Borrower provided for In this Stxarity Issu man shall be given by
delivering It or by mailing it by fast class mail muss appltaablo law togaltos use of another medhod. The
active shall be directed to the Proporty Address or say other addrim Borrow design" by notice to
Lender. Any notice to Lender shall be given by flirt class mall to Leader's addems stated herein or my
add tr ss Leader designates by notice to Bormwer. Any notice provided br In this Smdty butrament 44
be downed to Wive berm atven to Borrower or t.eaAer when given as provided in this paragrapb.
14. Coveraing Law; SweraMMY, This Security Instrument shalt be govaasd by Federal law and
the law of the jurisdiction to which the Property is located. In the event tho any provision or clauaa of this
Scantily Instrument or Ow Note couffi is with applicable law, such ca t s Gh0 not affect o0w pwvl Ww
of this Security humaaeut or the Note which can be given effect without the conflicting provision. To We
sad the pmvlsiom of this Sawrhy "loOri !fit and tbo Note are drnlared to be wmablt4."
13. Borrower's Copy. Borrower shall be given one ooaformod copy of the Note and of this Sec
instrument.
16. IHarardow Mslaalopr. Borrower "I not sutra or pamlt at PteUM. uo, disposal, atoragc, .
or retoose of any Hazardous bbbstancea on or is the Pnq mty. Borrower drag not do, nor allow "anyone
else to do, anything affecttog the Property that Is 14 violation of any BrAronmeutal Law. preoe&q
two sentences &A not apply to the presence, sae, or storage on the Property of amdl qutoUtWe of
Hazardous S 6donces that are generally mooyaiaed to be gVroprlate to namat residential uses no to
rttaiatenanoo of the Propotiy
Botmvror shall promptly give Larder written motile of e�y InveiNgadon, claim, detoand, lawsuit or
other action by any govemmemtal or regulatory agency or private party bwolving the Property and any
Hazardous SubsW= or @rvirownental Law of which Borrower has actual lmowledge. N Borrower !Darn,
or is aotiflod by any Vvermacul or regulatory authority, that any [amoral or other remadlatlon of any
Hazardous Substattoos atYcatteg the Property is necessary, Borrower andl promptly take all necesaarp
remedial actions in accordance with Environmental Law.
As uaod in this Pareamb 16, " Hamrdous Substaces" an those tubatanow defined as toxin or
baxardoua sub dauees by Bnvbotmoentnl Law ad the following nbetancesr gasollne, kaosene, other
flammable or tootle patrdaum pptoducts. toxto pesticides and bmbloW, volatile solvanta, nuteriaie
P02101111119 asbestos or ibrra ehpde, and radtowlve taatwlsls. As used is tits paragraph 16.
'Environmental Law" weans federal laws and laws of the jutiodloft wham ate Property is WOW that
relate to health, safety or eavimt mental prowlion.
NON- UNIFORM COVENANTS. Borrower and Lendor further oovorraatsad pares as fbilows;
11. Andpm eat of Realer. Borrower unwaffidowilly asslgas and tiomfvts to Leader all rho renter and
mvem es of the ftoperty. Borrower authorizes Lender or Ieader'a agents to colit a the rats and tevemm
and hm*y directs each teennt of the Property to pay Qtr MW to 1 rmdu or Lender's agents, Howavar,
prior to Loader's notice to Borrower of Borrower's breach of any oov=ut or agreernan In the Sodatty
Instrument, Borrower shall collect and receive all nags and revenues of the Property ere trustee for the
bmM of Lenda and Borrower. This asslgttwant of trims ooattitutee an absolute seigarVAtt and not an
"Sig I , " ' - for additional aootatty oulyq.
If Leador gtves notice of breach to Borroww, (a) all rants received by Borrower A4 be held by
Borrower as trueteo for benefit of Leader only. to be applied to the rums searrd by the SemAy
f ounient; (b) 1.oadar 44 be ontitled to collect sod receive all of the mate of the Property; sad (o) oath
4"IPAI mwp.os ap" r of ro
�t l 925FG-3135
tenant of the Property shall pay all rants due and uppeld to Leader or LaWer's agmat on Laadar'e w* ft
dcn*ld to the teaxwt.
Borrower has not eaommod any prior asrtpruent of the rents and has wt and will amt perform soy act
that would prevent I.anda from eaacielag its tights trader this patt♦graph 11.
Lander"not be required to eats upon, take conuot of or satiumin the Property before or after
oft notice of breach to Borrower, however, Lanier or a iadio Oy We had receiver may do so at any
time tbme is a breach. Any sppllcailoa of rents " not care m waive cry default or invalidate any other
right or remedy of leader. Ibis saalgament of rests of the Property jW terminate when the debt secured
by Ot Security lartrument is paid in fWL
M Iforedmare Pmoedu V Under regodnes LuhmedLate p"ami In fell mdw ppragraph 9,
Lands easy foreclose as Security hmtrummut by judicial proceeding. Landes dA be attitbtd to
oolleol all erpmsea br Wed In WmAhg the reroadleo provided in this pamvm)b 18, imdwXm but
act limited to, all"uya' fee and aorta of titre eridenoc.
U the Lmdtrrs interact In thta Security Indrovat is kW by tke Secretary pad the Sewdery
require brmoedlate p"mmt In 14U tmdw Pmgmi k 4 the Serretey copy invoice the aeWu ldal
power of mis prarlded he the ftWe Focally A WWP Fines omv Act of 1994 (°Ad') (12 U.S.C.
"St er xeq.) by teyptetf a toredotinre ooanrafaefoaaa under the Ad to Mummiaoo
foredomM and to sett the Property as provided In the Acct. Nothing to the praoeding amtam &0
deprive the Secrom d any He%# otbarwW avoidable to a Lam er under thta PanVolib 18 or
appttaable law.
19. Rdeeao. Upon payment of all sums secured by this Security Irstnunoat, ibis Security Immumroat
and the eWft conveyed Aall terminate and become void. After each oaourrarcc, leader shall disariarge
and eattaly Ibis Swaky bmtrumW wkhout charge to Borrower. Borrower shall pay may reootdatton wets.
28. wadvaa. Borrower, to dro extent psmitted by applicable law, waives and release any error or
dd bed in pro ceeding s to enforce tide SwAfty Imtrument, ad hemby waives the bendk of any present or
ftftm laws providing SW of axortion, extension of time, exemption from attuhment, levy and sale.
ad homestead
21. Reiingst neat Pbtlod. Borrower's Um to reinstate provided in paragraph 10 shall extend to are
how prim to the ommescovat of bidding m a eberif 9 ode or other tale pursuant to ibis Scw ty
lastraorutt.
22. Punch me Momy Mortw. If say of the debt sowed by this Seottrtty Inww mot Is lent to
1louamr to wwtl a We to the Property, this Sorority Dwh umeat dash be a purchase money mortgage,
23, IMernt Sate Alta' dtfdgmmrt. Bono wer arms that the Interest rcto payable tdier a 3adpmwrt Is
a*uvd on pre Note or in an adios of mortgage foredostm #W be the rate payable from Lima to time
wader the) Note.
24. jUdenr to this Security hWhs®eat. If one or more riders ere executed by Borrawar and
recorded together with 1149 Security Inetrwennt, the covenaats of each such rider abaft be InceMoraled Into
ad shell a1>tmd and mWplemmd the wvonmt9 and agteanents of this Smmdty Inrarmutt as if the ddor(s)
were a part of this Sem *y bmmrmt. [ChB g0licoble box(es)3.
Condominium Rider ® Growing DP4 Rider ❑ Other [sperm
1J Plamrod Plait Aovelopa mt Rider OmdwA Paymat hider
14N(PAI l XOA rvtNB d t0
tilt►1925PG3116
BY Slty MG MDW, Borrower some ead agrees io the terms cmtalned in thin Swift
Instnumat and it my tidet(s) exeoated by Hormwer and reaorbod with It,
vV
WAVERLY E, �tD
(Sad) (seat)
•Bonowu 4w mw
(seal) (seal)
•EonowoT •Aw�oxer
(sad) tsea)?
.so,rorver •9ormner
0
4 N IPA) a,30tl1.W Pqi / a 10
t-925PG3 137
cdollHcate or Reddace , do heroby oartlfy flat
1. the aormot rd of tM wift - aamed MwMco i s P.O. Box 2026, Met, MI 4MI - 20%.
witness my hwd this 22nd day of September 2005
. 4 � of Mort�esee
CONIMONVVtUI<1!UOY PONNMYAMA. ��.IJM I A.�. Como"i
on tile, 22nd day of September 2005 , boiow mo,'M mder 4wd officer,
personalty WAVERLY E. LEBARD and AMY A. LEBARD
known to me (orsutWhaorily proven) to be the
pmoo(s) whose nwne(s) lt/sre sub=ibed to the WINe lnet wwot end MhOwle4$d that helshe/tbey
accused too same for the purposes beOu mnamd.
M wl'CNBSS wHBRBOF, I horn M sot mY hrtnd aad o eve[.
My Commission uplrm
PM MCWWLAMQ E f ! ] NoWWOW
NQMMktXMMT MyQmt►dudpt
Mombe6 Pffiv"v mre Aff0don IN Now"
4@VMIPA) a mim Pap ►oono
BCNLDUL6 "All
ALL THAT CERTAIN TWO TRACTS OF LAND SITUATE IN THE BOROUGH OF
MOUNT HOLLY SPRINGS, COMBERLANO COUNTY+ PENNSYLVANIA# HNONN AS
TRACT NO. 1 -A AND TRACT NO. 1-B, AS SHORN ON A PRELIMINARY /FINAL
SUBDIVISION PLAN FOR SANDERS CONSTRUCTION CO., INC_, PREPARED BY
HARTMAN 6 ASSOC. INC., ENGINEERS i SURVEYORS, DATED 6/19/95,
RECORDED 11/8/95 IN CUMBERLAND COUNTY PLAN BOOK 71, PAGE 17,
BEING MORE PARTICULARLY DESCRIBED AS F'OLLOVS;
TRACT 1 -At
3ZOINNING AT A PIPE FND (SIC) PLACE ALONG BALTIMORE PIKE (S.R.
0094) AND LANDS NOW OR FORMERLY OF JOSEPH D. MILLIKENI THENCE
ALONG THE PIGHT-OF -NAY LINE ALONG BALTIMORE PIKE 13.R. 0094),
SOUTH 11 DEGREES 00 MINUTES 00 SECONDS EAST 71..00 FEET TO A
POINT, SAID POINT BEING THE CORNER OF TRACTS 1 -A AND 1 -81 THENCE
ALONG THE DIVIDING LINE BETWEEN TRACTS 1 -A AND I -B; THENCE ALONG
THE DIVIDING LINE BETWEEN TRACTS 1 -A AND 1 -B, SOUTH 73 DEGREES 00
MINUTES 00 SECONDS NEST., 197.57 MET TO A POINT AT LANDS NON OR
FORMERLY OF GLADYS H. FLOOR, ET AL1 THENCE ALONG SAID FLOOR
LANDS, NORTH .17 DEGREES 00 MINUTES 00 SECONDS WES?, 67.55 FEET TO
A PIPE FND (SIC) AT THG CORNER OF SAID LANDS OF rwHR AND TH4
AFORESAID LANDS OF JOSEPH 0. MILLIKEN: THENCE ALONG SAID LANDS OF
NILLIKEN, NORTH 72 DEGREES OD MINUTES 00 SECONDS EAST, 197.60
FEET TO A PIPE END (SrC), THE PLACE OF BSGINNING.
CONTAININO 13,606.53 SQUARE FEET (.3142 ACRE) ALONG WITH EXISTING
2 1/2 STORY FRAME DWELLING, KNOWN AND NUMBERED 438 BALTIMORE
VIKB, MOUNT HOLLY SPRINGS, PA., 17065.
SUBJECT NEVERTHELESS TO THE BUILDING AND SETBACK REQUIREMENTS AS
RECORDED ON SAID PLAN,
TRACT 1 -B:
BEGINNING AT A POINT AT THE CORNER OF TRACT 1 -A AND TRACT I -B
ALONG BALTLHORK PIKE (S.R. 0094), THENCE ALONG THE RIGHT -OF -WAY
LINE ALONG BALTIMORE PIKE (S ,R. 0094►, SOUTH 17 DEGREES 00
MINUTES 00 SECONDS EAST, 70.00 FEET TO A POINT AT TH6 CORNER OF
TRACTS 1--B AND 1 -C! THENCE ALONG THE DIVIDING LINE BETWEEN TRACTS
1 -D AND 1 SOUTH 13 DEGREES. 00 MINUTES DO SECONDS WEST, 197,87
FEET TO A POINT AT LANDS NOW OR FORMERLY OF GLADYS K. FLOOR, ET
AL1 THENCE ALONG SAID FLOOR LANDS, NORTH 17 OEGRBBS DO MINUTES 00
SECONDS VEST, 70.00 F9MT TO A PIPE FND (SIC) AT THE CORNER OF
TRACT 1 -B AND TRACT 1 -A1 THENCE ALONG THE DIVIDING LINE 9C"EEN
TRACT 1 -8 AND TRACT 1 -A, NORTH 73 DW"ES 00 MINUTES 00 SECONDS
BC�SDULB "A
EAST, 197.57 FEET TO A POINTi THE'PLACF, OF BEGINNING.
CONTAINING 13,829.62 SQUARE POET 1.3175 ACRE).
SUBJECT NEVERTHELESS TO THE BUILDING AND SETBACK RrOUIREMENTS AS
WORDED ON SAID PLAN.
BEING THE SAME PROPERTY CONVEYED TO WAVERLY 8. LEBARD AND ANY A.
LEBARD, HUSBAND AND KIM BY DEED FROM SANDERS CONSTRUCTION
COMPANY, INCORPORATED RECORDED 12/22/1995 IN DEED BOOK 132 PAGE
1171, IN TOM OFFICE OF THE RECORDER OF DEEDS OF CUMBERLAND
COUNTY. PENNSYLVANIA.
TAX IDY 23 -35- 2316 -'041
( Certify this to be recorded
Yn Cumberland County PA
Recorder of )Deeds
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ORIGINAL
r
Multistate
NOTE FHA Case No.
September 22, 2005
1152MI
438 S. BALTIMORE AVENUE,MOUNT HOLLY SPRINGS,PA 17065
IPImpoly Addrrssl
1. PARTIES
"Borrower" means each person signing at the end of this Note, and the person's successors and assigns. "Lender" means
The New York Mortgage Company, LLC
and its successors and assigns.
2. BORROWER'S PROMISE TO PAY; INTEREST
In return for a loan received from Lender. Borrower promises to pay the principal sum of
One Hundred Seven Thousand Three Hundred Forty and no /100
Dollars (U -$- $ 107.340 00 ), plus interest, to the order of Lender. Interest will be charged on unpaid principal,
from the date of disb of the loan proceeds by Lender, at the rate of Six and One / Quarter
percent ( 6.2500 %) per year until the full amount of principal has been paid.
3. PROMISE TO PAY SECURED
Borrower's promise to pay is secured by a mortgage, deed of trust or similar security instrument that is dated the same date
as this Note and called the "Security Instrument." The Security Instrument protects the Lender from losses which might result if
Borrower defaults under this Note.
4. MANNER OF PAYMENT
(A) Time
Borrower shall make a payment of principal and interest to Lender on the first day of each month beginning on
November 1 1 2005 . Any principal and interest remaining on the fast day of October
2035 , will be due on that date, which is called the "Maturity Date." .
(B) Place
Payment shall be made at 1301 Avenue of Americas, F] r 7, New
York, NY 10019 or at such place as Lender may designate in writing
by notice to Borrower.
(C) Amount
Each monthly payment of principal and interest will be in the amount of U.S. $ 660.92 'this amount
will be part of a larger monthly payment required by the Security Instrument, that shall be applied to principal, interest and
other items in the order described in the Security Instrument.
(D) Allonge to this Note for payment adjustments
If an allonge providing for payment adjustments is executed by Borrower together with this Noss, the covenants of
the allonge shall be incorporated into and shall amend and supplement the covenants of this Note as if the alionge were a part of
this Note. [Check applicable box]
❑Graduated Payment Allonge ❑Growing Equity Allonge ❑Other [specify]
5. BORROWER'S RIGHT TO PREPAY
Borrower has the right to pay the debt evidenced by this Note, in whole or in part, without charge or penalty, on the first
day of any month. Lender shall accept prepayment on other days provided that Borrower pays interest on the amount prepaid for
the remainder of the month to the extent required by Lender and permitted by regulations of the Secretary. If Borrower makes a
partial prepayment, there will be no changes in the due date or in the amount of the monthly payment unless Lender agrees in
writing to those changes.
MD1450026237 0
FHA Mutt3ssate Waed Rate Note -10195
1 B (02 W P Morale•" &&dons (M) 521-7291 /� L/ I II I � 1 1 1 1��� i ppp���� , �� { �� ,�1pI{{ INpI11p1�11IH�It I �I1 W 1 N a 1 F � ,1 , p 11] H 1 1 1 �
Pp"t"i3 MW 1aW2Af Wtldr. /` Y �� , [If�lA l•Ia �,111�RIFW�0E1ai!
•
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t
6. BORROWER'S FAILURE TO PAY
(A) Late Charge for Overdue Payments
If bender has not received the full monthly payment required by the Security Instrument, as described in Paragraph
4(C) of this Note, by the end of fifteen calendar days after the payment is due, Lender may colleet a late charge in the amount
of Four percent ( 4.0000 yo) of the overdue amount of each payment.
(B) Default
If Borrower defaults by failing to pay in full any monthly payment, then Lender may, except as litnited by regulations
of the Secretary in the rase of payment defaults, require immediate payrnent in full of the principal_ balance remaining due and
all accrued interest. Lender may choose not to exercise this option without waiving its rights in the event of any subsequent
default. In many circumstances regulations issued by the Secretary will limit Lender's rights to require immediate payment in
full in the case of payment defaults. This Note does not authorize acceleration when not permitted by HUD regulations. As used
in this Note, "Secretary" means the Secretary of Housing and Urban Development or his or her designee.
(C) Payment of Costs and Expenses
If Lender has required immediate payment in full, as described above, Lender may require Borrower to pay costs and
expenses including reasonable and customary attorneys' fees for enforcing this Now to the extent not prohibited by applicable
law. Such fens and costs shall bear interest from the date of disbursement at the same rate as the principal of this Note.
7. WAIVER$
Borrower and any other person who has obligations under this Note waive the rights of presentment and notice of
dishonor. "Presmtneent" means the right to require Leader to demand payment of amounts due. "Notice of dishonor" means the
right to require Lender to give notice to other persons that amounts due have not been paid.
S. GIVING OF NOTICES
Unless applicable law requires a different method, any notice that must be given to Borrower under this Note will be given
by delivering it or by mailing it by first class mail to Borrower at the property address above or at a different address if
Borrower has given Lendex a notice of Borrower's different address,
Any notice that must be given to Lender under this Note will be gives by first class mail to Lender at the address stated in
Paragraph 4(B) or at a different address if Borrower is given a notice of that different address.
9. OBLIGATIONS OF PERSONS UNDER THIS NOTE
If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in
this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is
also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety
or endorser of this Note, is also obligated to keep all of the promises made in this Note. Lender may enforce its rights under this
Note against each person individually or against all signatories together. Any one person signing this Note may be required to
pay all of the amounts owed under this Note.
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Note.
(Seal) (Seal)
WAVERLY E. BAR Borrawer AMY AOEBARD Borrower
(seal) (Seal)
- Borrower - Borrower
(Seal) (Seal)
Borrower - Borrower
(Seal) (Seal)
- Borrower - Borrower
MD1450026237 0
-1 R 10210).01 Pape 2 of 2
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LE -BARD
r
NOTE ALLONGE
FOR PURPOSES OF FURTHER ENDORSEMENT OF THE NOTE REFERRED tO BELOW:
ALLONGE TO THAT CERTAIN NOTE DATED: 9/22/2005
IN THE ORIGINAL PRINCIPAL AMOUNT 'OF: 107
BORROWER(S): "VERLY E. zEBARD AND AMY A- LESAPM
LENDER: To NEW Y O RA MM COMPANY, LLC
PROPERTY ADDRESS: 438 S. BAL TTMoRE AmWE, MOUNT HOLLY SIMI NGS, 8A 17065
PAY TO THE ORDER OF
W ITH OUT RECOURSE
THE NEW YORK MORTGAGE COMPANY, LLC
By:
7 a �b arian
6 ASS � l nt Secretary
1AWF AUohl&W
CRPRDNRBS46a 5/9/2013 11:42:06 AM PAGE 50/149 888 - 294 -5658
NOTE RIDER
September 22, 2005 $ 107,340.00
438 S. BALTIMORE AVENLM MOUNT HOLLY SPRING .PA 12065
Properly Address
i _ SALE INTO THE SECONDARY MARKET
I understand that the Lender intends to sell this Note into the secondary market. I further understand that in
order to sell this Note to a secondary market investor, the Lender is required to warrant the truthfulness of the
various information contained in my completed loan application. This information includes but is not limited
to, the purpose of the loan, the amount and source of down payment, employment and income information.
assets and liabilities and occupancy status.
2. RELIANCE UPON BORROWER(S)
I understand that the Lender's warranties to secondary market investors are based upon my certification that
the information contained in my completed loan application is true and correct.
3. BORROWER(S') MISREPRESENTATION
In the event the Lender discovers that I have made a misrepresentation which would make this Note
unsuitable for sale to its secondary market investors, I will be in default.
d. DEFAULT DUE TO BORROWER(S) MISREPRESENTATION
(A) Notice of Default
If I am in default because I have made a misrepresentation, the Lender may require me to pay the full
amount of principal which has not been paid and all interest that I owe on that amount. The Lender will
send me written notice by first class mail to the property address or at any other mailing address that I
have given notice to the lender as my mailing address.
(B) Payment in Pull
If the Lender requires payment in full according to paragraph 4(A) above, I shall have at least thirty days
to pay the amount to the Lender. if I do not pay the amount due to the Lender, the interest rate I will be
required to pay on the balance due will be increased to 24 % or the maximum amount allowed by law
from the date notice of default is mailed to me. The Tender will also have The right to be paid back by
me at 24% or the maximum rate allowed by law, together with all costs and expenses that the Lender
incurs in enforcing this Note. In the event the Lender has sold this Note to a Secondary market investor
and the investor is requiring the Lender to repurchase this Note because I have made a
misrepresentation, I wilt be in default.
WrrNFSS THE HAND(S) AND SEAL(S)
WAVERL E. LEBARD AMY i"EBARD
COWG: DEFAULT &M f WYMO
e ;
PRESORT
First Mail
PO Box 9048 Temecula, CA 92589 -9048 U FeestPaidand
2272415084 WSO
20130430 -7
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AMY A LEBARD
438 S Baltimore Avenue
Mount Holly Springs, PA 17065 -1025
Eq I . s
' 3_1445 BLQPA2 1409108/2412011
9
April 30, 2013
Account No.:
AMY A LEBARD
438 S Baltimore Avenue
Mount Holly Springs, PA 17065 -1025
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Dear AMY A LEBARD,
The MORTGAGE held by BANK OF AMERICA, N.A. and serviced by Bank of America, N.A. (hereinafter we, us or
ours) on your property located at 438 S Baltimore Avenue Mount Holly Springs, PA 17065, IS IN SERIOUS
DEFAULT because you have not made the monthly payments in the amounts shown below for the months of
03/01/2013 - 04130/2013.
Monthly Charges: 03/01/2013 04/30/2013 @ $890.52 $1,781.04
Late Charges: 03/01/2013 - 04/30/2013 @ $35.62 $71.24
Other Charges: Additional Uncollected Late Charges: $35.62
Uncollected Costs: $0.00
Partial Payment Balance: 0.00
TOTAL DUE: $1,887.90
Late charges and other charges have also accrued to this date in the amount of $106.86. The total amount now
required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is
$1,887.90.
You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of
$1,887.90, plus any additional monthly payments and late charge which may fall due during this period. Such
payment must be made either by cash, cashier's check, certified check or money order, and made at Bank of
America, N.A. at P.O. Box 15222, Wilmington, DE 19886 -5222.
If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage
payments. This means that whatever is owing on the original amount borrowed will be considered due immediately
and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount
of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to
foreclose your mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by the Sheriff
to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal
proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00.
However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if
they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our
reasonable costs. if you cure the default within the thirty day period, you will not be required to pay attorney's fees.
2272415084
We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you
have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the
right to cure the default and prevent the sale at any time up to' one hour before the Sheriffs foreclosure sale. You
may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as
well as the reasonable attorneys fees and costs connected with the foreclosure sale [and perform any other
requirements under the mortgage]. it is estimated that the earliest date that such a Sheriffs sale could be held would
be approximately six (6) months from the date of this Notice. A notice of the date of the Sheriff sale will be sent
to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may
find out at any time exactly what the required payment will be by calling us at the following number: 1- 800 - 669 -0102.
This payment must be in cash, cashier's check, certified check or money order and made payable to us at the
address stated above.
You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain in
it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be started to evict you.
You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE
PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM
ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL
ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND
ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER
REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT
CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY
ANY THIRD PARTY ACTING ON YOUR BEHALF.
if you cure the default, the mortgage will be restored to the same position as if no default had occurred. However,
you are not entitled to this right to cure your default more than three times in any calendar year."
i
C3_3222_BRECDISC 15352 09/24/12
IMPORTANT DISCLOSURES
If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under
applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a
demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to
discuss your home loan with us or enter into a loan modification or other loan- assistance program. You
should consult with your bankruptcy attorney or other advisor about your legal rights and options.
Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this
communication is from a debt collector.
There has been a payment default or other default on your loan that could result in acceleration of all sums
due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe
Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc.,
LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc.,
ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect
the Noteholder's interest and rights in the property and under the note and security instrument, including any
remedies thereunder (the "Default Related Services "). Bank of America, N.A. will assess fees to your loan
account for the Default Related Services, including those provided by its affiliates. A schedule of fees that
may be charged to your account for Default Related Services is available at the following web address:
httlJ:// www .bankofamerica.com /defaultfees If you do not have Internet access, please contact us at
1- 800 - 669 -6607, Monday through Thursday 8 a.m. - 11 p.m. Eastern, Friday 8 a.m. - 9 p.m. Eastern,
Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a
complete list of the default - related services you could be charged, but does not include a complete list of all
fees or charges that could be assessed on your loan account.
MILITARY PERSONNEL/SERVICEMEMBERS If you or your spouse is a member of the military, please
contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford
significant protections and benefits to eligible military service personnel, including protections from
foreclosure as well as interest rate relief. For additional information and to determine eligibility please
contact our Military Assistance Team toll free at 1- 877 - 430 -5434. If you are calling from outside the US.
please contact us at 1- 817 - 685 -6491.
2272415084
DIVULGACIONES IMPORTANTES
Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una
exoneracibn de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudacibn, una
demanda de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no estA
obligado(a) a hablar de su pr6stamo para vivienda con nosotros ni a participar en un programa de
modificaci6n de pr6stamos u otro programa de asistencia para pr6stamos. Usted debe consultar con su
abogado especializado en quiebras u otro asesor acerca de sus opciones y derechos legales.
Bank of America, N.A., el administrador de su pr6stamo para vivienda est6 obligado por ley a informarle a
usted que esta comunicacibn proviene de un cobrador de deudas.
Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su pr6stamo que podra resultar en
la aceleraci6n de todas las cantidades adeudadas bajo el Pagar6, Como resultado, Bank of America N.A.
utilizarA compar)ias, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe
Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe
Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y Landsafe Appraisal
Services, Inc., para proporcionar servicios necesarios para proteger los intereses del Titular en la propiedad
y sus derechos bajo el instrumento de seguridad y el pagar6, incluyendo cualquiera de sus recursos (los
"Servicios relacionados a un incumplimiento "). Bank of America, N.A. aplicarA cargos a la cuenta de su
pr6stamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por
sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un
incumplimiento estA disponible en el sitio de Internet: f httn:// www. bankofamerica.com /defaultfeegj Si usted
no tiene acceso a internet, por favor comuniquese con nosotros al 1- 800 - 669 -6607 de lunes a jueves de 8 a,
m. a 11 p. m. hora del este, viernes de 8 a. m. a 9 p. m. hora del este, sabados de 9 a. m. a 3 p. m. hora del
este. para pedir que se le envie una lista de cargos por correo. La lista de cargos contiene una lista
completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lista
completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su pr &stamo.
PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS Si usted o su cbnyuge es un miembro
del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil
para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios
significativos al personal del servicio militar gue califiaue incluidas protecciones contra la ejecuci6n
hipotecaria asi Como tambi6n ayuda en la tasa de inter6s. Para obtener mAs informacibn y determinar su
calificacibn por favor Ilame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al
1- 877 - 430 -5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al
1- 817- 685 -6491.
2272415084
C3_5088 OPTAVDFC 15319 09/24/2012
Options are Available to Help You
Avoid Foreclosure
Call the number on the enclosed notice to learn more.
When you call, please have your income and expense information available
so we can discuss which option(s) could work for you.
Options to consider if your goal is to stay in your home
........................................................................................................................................................................................... ...............................
Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms,
Modification which may include lowering the interest rate, placing past due amounts at the end of the loan,
Program (HAMP) and/or extending the term of the loan. You may be eligible for this program if you meet the
following requirements:
• The amount you owe on the first mortgage is equal to or less than $729,750 for a
single - family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or
$1,403,400 for a 4 unit property
• You have documented a financial hardship and represented that you do not have sufficient
liquid assets to make the monthly mortgage payments.
• Your mortgage was obtained before Jan. 1, 2009.
• The property securing the mortgage loan has not been condemned or is not in such poor
physical condition that it is not habitable even if not condemned
• The mortgage is secured by a one to four unit property
Loan If you can bring your loan payments up to date, we will accept the funds needed to bring the
Reinstatement loan up to date until the day of your foreclosure sale.
Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay
off a portion of the past due amounts over time. This may include principal, interest, fees,
and /or costs assessed to your loan.
Temporary An agreement whereby we agree not to proceed with foreclosure and /or collection of payments
Forbearance for a period of time, to allow you to re- establish your ability to make the required payments.
Agreement
Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could
(non -HAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving
from an adjustable to a fixed -rate loan, deferring some portion of the unpaid principal balance
to the end of the loan, and /or forgiving some portion of the unpaid principal balance.
Partial Claim (FHA If you have a Federal Housing Administration (FHA) loan and your payments are past due but
loans only) you are now able to make your regular monthly mortgage payment, this program is designed to
bring your loan up to date by creating a second mortgage /lien on your property for the amount
that is past due.
Options to consider if you cannot or do not wish to stay in your home
..................
........ . : : : ::. : .......................
Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program
Foreclosure (HAMP) but were unsuccessful in securing a permanent modification through the program.
Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A
Program (HAFA) short sale is a transaction in which you sell your property for less than the total amount owed
on the loan (subject to agreement by your servicer/iender /investor), resulting in the release of
our lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a
transaction in which you agree to voluntarily transfer ownership of your property to us in order
to avoid foreclosure.
Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth less than
Pre- foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale,
Sale (non -HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to
borrowers who are not eligible for HAMP or other home retention alternatives.
Deed in Lieu of Used as an alternative to foreclosure, with a deed in lieu of foreclosure, you transfer ownership
Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total
(non -HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home
retention alternatives, and who were not able to sell the property through a short sale.
We are here to help you. Please call us today.
2272415084
Hay opciones disponibles para ayudarle a
Evitar la Ejecucio'n Hipotecaria
Liame al n6mero que aparece en la notificaci6n adjunta para obtener mcis
informaci6n
Cuando Name, por favor tenga a la mano la informaci6n de sus ingresos y gastos para que podamos
discutir cuiles opciones podrian funclonar para usted.
Opciones a considerar si su objetivo es permanecer en su casa
... .... ...
.. .. . . ... ... .....
4, w.
. . ... . .
........ ..... ....
...... ... .. ....... .
Home Affordable Es un programa del gobierno federal que le permite pagar el pr6stamo bajo los nuevos
Modification t6rminos acordados, que pueden incluir la reducci6n de la tasa de inter6s, agregar
Program (RAMP) cantidades vencidas al final del pr6stamo, y/o extender el plazo del pr6stamo. Usted
puede calificar para este programa si cumple con los siguientes requisitos:
• La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750
d6lares para una vivienda unifamiliar, $934,200 d6lares para una propiedad de 2
unidades, $1,129,250 d6lares para una propiedad de 3 unidades o $1,403,400 para
una propiedad de 4 unidades
• Usted ha documentado que atraviesa por una dificultad financiera y declarado que no
tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca.
• Obtuvo su hipoteca antes del 1 de enero de 2009.
• La propiedad que garantiza el pr6stamo hipotecario no ha sido condenada o no est6 en
malas condiciones fisicas como para no poder habitarse incluso si no est6 condenada.
• La hipoteca est6 garantizada por una propiedad de una a cuatro unidades.
Restablecimient Si usted puede poner al dia los pagos de su pr6stamo, aceptaremos los fondos necesarios
o del Pr6stamo pare, que el pr6stamo est6 al dia hasta la fecha de la venta por ejecuci6n hipotecaria.
Plan de Pago Un plan de pago le permite a usted hacer sus pagos hipotecarios regulares, ademAs de
pagar una porci6n de los montos vencidos a trav6s del tiempo. Esto puede incluir capital,
inter6s, cargos o costos aplicados a su pr6stamo.
Acuerdo Es un acuerdo en el cual aceptamos no proceder con la ejecuci6n hipoter-aria y/o el cobro
Temporal de de los pagos por un periodo de tiempo, para permitirle que restablezca su habilidad de
Tolerancia por hacer los pagos requeridos.
incumplimlento
Modificacl6n de Una modificaci6n del pr6stamo es un cambio en los t6rminos originales de su pr6stamo,
Pr6stamo Las modificaciones podrian incluir reducir su tasa de inter6s, extender el t6rmino o la fecha
(no por medio de pago del pr6stamo, cambiar de un pr6stamo de tasa de inter6s ajustable a uno de tasa
de HAMP) de inter6s fija, diferir una parte del saldo del capital impagado al final del pr6stamo, y/o
condonar una parte del saldo de capital impagado.
Reclamo Parcial Si usted tiene un pr6stamo de la Administraci6n Federal de Vivienda (FHA) y sus pagos
(solamente estAn vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca,
pr6stamos de la este programa est6 disehado para que su pr6stamo este al dia mediante la creaci6n de
FHA) una segunda hipoteca / gravamen sobre su propiedad por el monto que est6 vencido.
2272415084
Opciones a considerar si no puede o no desea quedarse en su casa
Home Affordable Disehado para ayudar a los prestatarios que califican para el Programa de Home
Foreclosure Affordable Modification (RAMP), pero no consiguieron obtener una modificaci6n
Alternatives permanente a trav6s del programa. HAFA ofrece la posibilidad de una venta en
Program (HAFA) descubierto y, si no tiene 6xito, una escritura de traspaso voluntario de propiedad en lugar
de la ejecuci6n hipotecaria. Una venta en descubierto es una transacci6n en la que usted
vende su propiedad por menos de la cantidad adeudada en el pr6stamo (sujeto a previo
acuerdo de su administrador / prestamista / inversionista), resultando en la liberaci6n de
nuestro derecho de retenci6n sobre su propiedad y evitar la ejecuci6n hipotecaria. Una
escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria es una
transacci6n en la que usted estA de acuerdo de transferir voluntariamente las escrituras de
su propiedad a nosotros con el fin de evitar la ejecuci6n hipotecaria.
Venta en Si usted ya no puede hacer sus pagos hipotecanos y su vivienda vale menos de to que
descubierto / usted adeuda, una vents en descubierto le podria permitir vender su vivienda para pagar
Venta previa a la la hipoteca. En una venta en descubierto, el prestamista acepta recibir una monto menor
ejecuci6n de to que actualmente se adeuda en el pr6stamo. Se ofrece a los prestatarios que no
hipotecaria (no por califican para HAMP o para otras alternativas de retenci6n de la vivienda.
medio de HAFA)
Escritura de Se usa como una alternativa de la ejecuci6n hipotecaria. Con una escritura de traspaso
traspaso de voluntario de propiedad en lugar de la ejecuci6n hipotecaria, usted transfiere la titularidad
propiedad en lugar de su vivienda y toda la propiedad que garantiza su pr6stamo hipotecario. Esto puede
de la ejecuci6n hacer que el monto total vencido de esa hipoteca se considere como pagado. Se ofrece a
hipotecaria (no por prestatarios que no califican para HAMP u otras opciones de retenci6n de vivienda, y que
medio de HAFA) no pudieron vender la propiedad a trav6s de una yenta en descubierto.
Estamos aqui para ayudarie. Por favor Ilamenos hoy.
PRESORT
First -Class Mail
PO Box 9048 U.S. Postage and
Temecula, CA 92509 -9048 fees Paid
7196 9006 9296 6900 0829 WSO ' ;I
20130430.7
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438 S Baltimore Avenue
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Article Addressed to: I
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. WAVERLY E LEBARD
438 S Baltimore Avenue
Mount Holly Springs, PA 17065 -1025 +
!7413012013
I 7196 9406 9296 6900 0629 -7
AS Form 3611. Jan 305 ALM
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PRESORT
First -Class Mail
PO Box 9048 U.S. Postage and
Temecula, CA 92589 -9048 Fees Paid
7196 9006 9296 6900 0829 ws0
20130430 -7
WAVERLY E LEBARD
438 S Baltimore Avenue
Mount Holly Springs, PA 17065 -1025
C3_1445 BLQPA2 1409108124/2011
April 30, 2013
Sent Certified Mail:
7196 9006 9296 6900 0829
Return Receipt Reauested
Account No.:
WAVERLY E LEBARD
438 S Baltimore Avenue
Mount Holly Springs, PA 17065 -1025
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Dear WAVERLY E LEBARD,
The MORTGAGE held by BANK OF AMERICA, N.A. and serviced by Bank of America, N.A. (hereinafter we, us or
ours) on your property located at 438 S Baltimore Avenue Mount Holly Springs, PA 17065, IS IN SERIOUS
DEFAULT because you have not made the monthly payments in the amounts shown below for the months of
03/01/2013 - 0413012013.
Monthly Charges: 03/01/2013 - 04/30/2013 @ $890.52 $1,781.04
Late Charaes: 03/01/2013 - 04/30/2013 @ $35.62 $71.24
Other Charges: Additional Uncollected Late Charges: $35.62
Uncollected Costs: $0.00
Partial Payment Balance: 0.00
TOTAL DUE: $1,887.90
Late charges and other charges have also accrued to this date in the amount of $106.86. The total amount now
required to cure this default, or in other words, get caught up in your payments, as of the date of this fetter, is
$1,887.90.
You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of
$1,887.90, plus any additional monthly payments and late charge which may fall due during this period. Such
payment must be made either by cash, cashier's check, certified check or money order, and made at Bank of
America, N.A. at P.O. Box 15222, Wilmington, DE 19886 -5222.
If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage
payments. This means that whatever is owing on the original amount borrowed will be considered due immediately
and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount
of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to
foreclose your mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by the Sheriff
to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal
proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00.
However, if legal proceedings are started against you, you will have to pay the reasonable attorneys fees even if
they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our
reasonable costs. If you cure the default within the thirty day period, you will not be required to pay attorney's fees.
7196 9006 9296 6900 0829
We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you
have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the
right to curs the default and prevent the sale at any time up to one hour before the Sheriffs foreclosure sale. You
may do so by paying the total amount of the unpaid monthly payments plus any late or other changes then due, as
well as the reasonable attorney's fees and costs connected with the foreclosure sale [and perform any other
requirements under the morfgage]. It is estimated that the earliest date that such a Sheriffs sale could be held would
be approximately six (6) months from the date of this Notice. A notice of the date of the Sheriff sale will be sent
to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may
find out at any time exactly what the required payment will be by calling us at the following number: 1- 800 - 669 -0102.
This payment must be in cash, cashier's check, certified check or money order and made payable to us at the
address stated above.
You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain in
it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be started to evict you.
You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE
PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM
ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL
ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND
ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER
REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT
CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY
ANY THIRD PARTY ACTING ON YOUR BEHALF.
if you cure the default, the mortgage will be restored to the same position as if no default had occurred. However,
you are not entitled to this right to cure your default more than three times in any calendar year."
C3_3222_BRECDISC 15352 09/24/12
IMPORTANT DISCLOSURES
If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under
applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a
demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to
discuss your home loan with us or enter into a loan modification or other loan- assistance program. You
should consult with your bankruptcy attorney or other advisor about your legal rights and options.
Bank of America, N.A., the servicer of your home loan,. is required by law to inform you that this
communication is from a debt collector.
There has been a payment default or other default on your loan that could result in acceleration of all sums
due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe
Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc.,
LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc.,
ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect
the Noteholder's interest and rights in the property and under the note and security instrument, including any
remedies thereunder (the "Default Related Services "). Bank of America, N.A. will assess fees to your loan
account for the Default Related Services, including those provided by its affiliates. A schedule of fees that
may be charged to your account for Default Related Services is available at the following web address:
httr):// www .bankofamerica.com /defauitfees If you do not have internet access, please contact us at
1- 800 - 669 -6607, Monday through Thursday 8 a.m. - 11 p.m. Eastern, Friday 8 a.m. - 9 p.m. Eastern,
Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a
complete list of the default - related services you could be charged, but does not include a complete list of all
fees or charges that could be assessed on your loan account.
MILITARY PERSONNEUSERVICEMEMBERS If you or your spouse is a member of the military, please
contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford
significant protections and benefits to eligible military service personnel, including protections from
foreclosure as well as interest rate relief. For additional information and to determine eligibility please
contact our Military Assistance Team toll free at 1- 877 - 430 -5434. If you are calling from outside the U.S.
please contact us at 1- 817 - 685 -6491.
7196 9006 9296 6900 0829
DIVULGACIONES IMPORTANTES
Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una
exoneraci6n de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudaci6n, una
demanda de pago o un intento de imponer una responsabilidad personal por esa deuda, Usted no estL%
obligado(a) a hablar de su pr6stamo para vivienda con nosotros ni a participar en un programa de
modificaci6n de pr6stamos u otro programa de asistencia para pr6stamos. Usted debe consultar con su
abogado especializado en quiebras u otro asesor acerca de sus opciones y derechos legales.
Bank of America, N.A., el administrador de su pr6stamo para vivienda estt obligado por ley a informarle a
usted que esta comunicaci6n proviene de un cobrador de deudas.
Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su pr6stamo que podria resultar en
la aceleraci6n de todas las cantidades adeudadas bajo el Pagar6. Como resultado, Bank of America N,A.
utilizar6 companias, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe
Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe
Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y LandSafe Appraisal
Services, Inc., para proporcionar servicios necesarios para proteger los intereses del Titular en la propiedad
y sus derechos bajo el instrumento de seguridad y el pagar6, incluyendo cualquiera de sus recursos (los
"Servicios relacionados a un incumplimiento "). Bank of America, N.A. aplicar6 cargos a la cuenta de su
pr6stamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por
sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un
incumplimiento est6 disponible en el sitio de Internet. ( hfto:// www .bankofamerica.com /defaultfeed Si usted
no tiene acceso a internet, por favor comuniquese con nosotros al 1- 800 - 669 -6607 de lunes a jueves de 8 a.
m. a 11 p. m. hora del este, viernes de 8 a. m. a 9 p. m. hora del este, s6bados de 9 a. m. a 3 p. m. hora del
este. para pedir que se le envie una lista de cargos por correo. La lista de cargos contiene una lists
completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lista
completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su pr6stamo.
PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS Si usted o su c6nyuge es un miembro
del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil
para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios
significativos al personal del servicio militar gue califique incluidas protecciones contra la ejecuci6n
hipotecaria asi Como tambi6n ayuda en la tasa de inters. Para obtener m6s informaci6n y determinar su
calificaci6n por favor Ilame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al
1- 877 - 430 -5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al
1- 817- 685 -6491.
7196 9006 9296 6900 0829
C3_5088 OPTAVDFC 15319 09/24/2012
Options are Available to Help You
Avoid Foreclosure
Call the number on the enclosed notice to learn more.
When you call, please have your income and expense information available
so we can discuss which option(s) could work for you.
Options to consider if your goal is to stay in your home
m Qescr :::..::::::.::
Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms,
Modification which may include lowering the interest rate, placing past due amounts at the end of the loan,
Program (RAMP) and /or extending the term of the loan. You may be eligible for this program if you meet the
following requirements:
• The amount you owe on the first mortgage is equal to or less than $729,750 for a
single- family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or
$1,403,400 for a 4 unit property
• You have documented a financial hardship and represented that you do not have sufficient
liquid assets to make the monthly mortgage payments.
• Your mortgage was obtained before Jan. 1, 2009.
• The property securing the mortgage loan has not been condemned or is not in such poor
physical condition that it is not habitable even if not condemned
• The mortgage is secured by a one to four unit property
Loan If you can bring your loan payments up to date, we will accept the funds needed to bring the
Reinstatement loan up to date until the day of your foreclosure sale.
Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay
off a portion of the past due amounts over time. This may include principal, interest, fees,
and /or costs assessed to your loan.
Temporary An agreement whereby we agree not to proceed with foreclosure and /or collection of payments
Forbearance for a period of time, to allow you to re- establish your ability to make the required payments.
Agreement
Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could
(non -HAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving
from an adjustable to a fixed -rate loan, deferring some portion of the unpaid principal balance
to the end of the loan, and /or forgiving some portion of the unpaid principal balance.
Partial Claim (FHA If you have a Federal Housing Administration (FHA) loan and your payments are past due but
loans only) you are now able to make your regular monthly mortgage payment, this program is designed to
bring your loan up to date by creating a second mortgage /lien on your property for the amount
that is past due.
Options to consider if you cannot or do not wish to stay in your home
��{I.. is i:i:'i':i::� :•:' i:; isi:::: i; isi:: ::•'+:: : is :•;ii:i:i::.; }::i::i:::i:: i:i:::: �:;:i:•::'i' :.:::
Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program
Foreclosure (HAMP) but were unsuccessful in securing a permanent modification through the program.
Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A
Program (HAFA) short sale is a transaction in which you sell your property for less than the total amount owed
on the loan (subject to agreement by your servicer/lender /investor), resulting in the release of
our lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a
transaction in which you agree to voluntarily transfer ownership of your property to us in order
to avoid foreclosure.
Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth less than
Pre- foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale,
Sale (non -HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to
borrowers who are not eligible for HAMP or other home retention alternatives.
Deed in Lieu of Used as an alternative to foreclosure, with a deed in lieu of foreclosure, you transfer ownership
Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total
(non -HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home
retention alternatives, and who were not able to sell the property through a short sale.
We are here to help you. Please call us today.
7196 9006 9296 0829
Hay opciones disponibles para ayudarle a
Evitar la Ejecucion Hipotecaria
Llame al numero que aparece en la notificacion adjunta para obtener mas
informaci6n
Cuando Ilame, por favor tenga a la mano la informacidn de sus ingresos y gastos para que podamos
discutir cubles opciones podrian funcionar para usted.
Opciones a considerar si su objetivo es permanecer en su casa
Home Affordable Es un programa del gobierno federal que le permite pagar el pr6stamo bajo los nuevos
Modification t6rminos acordados, que pueden incluir la reducci6n de la tasa de inter6s, agregar
Program (HAMP) cantidades vencidas al final del pr6stamo, y/o extender el plazo del pr6stamo. Usted
puede calificar para este programa si cumple con los siguientes requisitos:
• La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750
d6lares para una vivienda unifamiliar, $934,200 d6lares para una propiedad de 2
unidades, $1,129,250 d6lares para una propiedad de 3 unidades o $1,403,400 para
una propiedad de 4 unidades
• Usted ha documentado que atraviesa por una dificultad financiera y declarado que no
tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca.
• Obtuvo su hipoteca antes del 1 de enero de 2009.
• La propiedad que garantiza el pr6stamo hipotecario no ha sido condenada o no estA en
malas condiciones fisicas como para no poder habitarse incluso si no estb condenada.
• La hipoteca estb garantizada por una propiedad de una a cuatro unidades.
Restablecimient Si usted puede poner al dia los pagos de su pr6stamo, aceptaremos los Tondos necesarios
o del Pr6stamo para que el pr6stamo est6 al dia hasta la fecha de la venta por ejecuci6n hipotecaria.
Plan de Pago Un plan de pago le permite a usted hacer sus pagos hipotecarios regulares, ademfis de
pagar una porci6n de los montos vencidos a trav6s del tiempo. Esto puede incluir capital,
inter6s, cargos o costos aplicados a su pr6stamo.
Acuerdo Es un acuerdo en el cual aceptamos no proceder con la ejecuci6n hipotecaria y/o el cobro
Temporal de de los pagos por un periodo de tiempo, para permitirle que restablezca su habilidad de
Tolerancia por hater los pagos requeridos.
incumplimiento
Modificacidn de Una modificaci6n del pr6stamo es un cambio en los t6rminos originales de su pr6stamo,
Pr6stamo Las modificaciones podrian incluir reducir su tasa de inter6s, extender el t6rmino o la fecha
(no por medio de pago del pr6stamo, cambiar de un pr6stamo de tasa de inter6s ajustable a uno de tasa
de RAMP) de inter6s fija, diferir una parte del saldo del capital impagado al final del pr6stamo, y/o
condonar una parte del saldo de capital impagado.
Reclamo Parcial Si usted tiene un pr6stamo de la Administraci6n Federal de Vivienda (FHA) y sus pagos
(solamente est6n vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca,
pr6stamos de la este programa estE% diseriado para que su pr6stamo este al dia mediante la creaci6n de
FHA) una segunda hipoteca / gravamen sobre su propiedad por el monto que est6 vencido.
7196 9006 9296 6900 0829
yr
Opciones a considerar si no puede o no desea quedarse en su casa
Home Affordable Diser)ado para ayudar a los prestatarios que califican para el Programa de Home
Foreclosure Affordable Modification (HAMP), pero no consiguieron obtener una modificaci6n
Alternatives permanente a trav6s del programa. HAFA ofrece la posibilidad de una venta en
Program (HAFA) descubierto y, si no tiene 6xito, una escritura de traspaso voluntario de propiedad en lugar
de la ejecuci6n hipotecaria. Una venta en descubierto es una transacci6n en la que usted
vende su propiedad por menos de la cantidad adeudada en el pr6stamo (sujeto a previo
acuerdo de su administrador / prestamista / inversionista), resultando en la liberaci6n de
nuestro derecho de retenci6n sobre su propiedad y evitar la ejecuci6n hipotecaria. Una
escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria es una
transacci6n en la que usted est6 de acuerdo de transferir voluntariamente las escrituras de
su propiedad a nosotros con el fin de evitar la ejecuci6n hipotecaria.
Venta en Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de to que
descubierto / usted adeuda, una venta en descubierto le podria permitir vender su vivienda para pagar
Venta previa a la la hipoteca. En una venta en descubierto, el prestamista acepta recibir una monto menor
ejecuci6n de to que actualmente se adeuda en el pr6stamo. Se ofrece a los prestatarios que no
hipotecaria (no por califican para HAMP o pars otras alternativas de retenci6n de la vivienda.
medio de HAFA)
Escritura de Se usa Como una alternativa de la ejecuci6n hipotecaria. Con una escritura de traspaso
traspaso de voluntario de propiedad en lugar de la ejecuci6n hipotecaria, usted transfiere la titularidad
propiedad en lugar de su vivienda y toda la propiedad que garantiza su pr6stamo hipotecario. Esto puede
de la ejecuci6n hacer que el monto total vencido de esa hipoteca se considere como pagado. Se ofrece a
hipotecaria (no por prestatarios que no califican para HAMP u otras opciones de retenci6n de vivienda, y que
medio de HAFA) no pudieron vender la propiedad a trav6s de una yenta en descubierto,
Estamos aqui para ayudarle. Por favor Ilamenos hoy.
ff -- .. VERIFICATION
P nt) � 111 yy �� I GI' U tl (�- hereby states tha&he is A-%t aunt Vic -t '9c , 4-1k
of Bank of America, N.A., Plaintiff in this matter, and is authorized to make this Verification.
The statements of fact contained in the foregoing Civil Action in Mortgage Foreclosure are
true and correct to the best o Q her knowledge, information and belief.
The undersigned understands that this statement is made subject to the penalties of 18 Pa.
C.S. Sec. 4904 relating to unswom falsification to authorities.
Name.-P
DATE: fog ��I �3 Title: s5 �s lu•�t �li�e `��s ►den,t
Company: Bank of America, N.A.
S & D PILE N0: 13- 044157
Nicholas J. Swett, Executor of the Estate of Amy A. Lebard, deceased
FORM 1
IN THE COURT OF COMMON PLEAS OF
Bank of America, N.A. CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff(s)
VS.
Nicholas J. Swett, Executor of the Estate of Amy A.
Lebard, deceased�`�" `
6137 Leesburg ike Apt. 604
g p
� "
Falls Church, VA 22041 tn % ,
� 1 � `1
�
DEFENDANT I -57 C s
Defendant(s) Civil
NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE c.•�
DIVERSION PROGRAM
You have been served with a foreclosure complaint that could cause you to lose your home.
If you own and live in the residential property which is the subject of this foreclosure action, you may be
able to participate in a court- supervised conciliation conference in an effort to resolve this matter with your lender.
If you do not have a lawyer, you must take the following steps to be eligible for a conciliation
conference. First, within twenty (20) days. of your receipt of this notice, you must contact MidPenn Legal Services
at (717) 243 -9400 extension 2510 or (800) 822 -5288 extension 2510 and request appointment of a legal
representative at no charge to you. Once you have been appointed a legal representative, you must promptly meet
with that legal representative within twenty (20) days of the appointment date. During that meeting, you must
provide the legal representative with all requested financial information so that a loan resolution proposal can be
prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached
hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court, which
must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. if you do
so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your
lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit
proceeds forward.
If you are represented by a lawyer, you and your lawyer must take the following steps to be eligible
for a conciliation conference. It is not necessary for you to contact MidPenn .Legal Service for the appointment of a
legal representative. However, you must provide your lawyer with all requested financial information so that a loan
resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the
format attached hereto, your lawyer will prepare and file a Request for Conciliation Conference with the Court,
which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If
you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of
your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure
suit proceeds forward.
IF YOU WISH TO SAVE YOUR HOME, YOU MUST ACT QUICKLY AND TAKE THE
STEPS REQUIRED BY THIS NOTICE. THIS PROGRAM IS FREE.
.Respectfully submitted:
SHAPIRO & DeNARDO, LLC
Date A rneys for Plaintiff
CAITLIN A DONNA l)(, ESQUIRE
` r
FORM 2
Cumberland County Residential Mortgage Foreclosure Diversion Program
Financial Worksheet
Date
Cumberland County Court of Common Pleas Docket #
BORROWER REQUEST FOR HARDSHIP ASSISTANCE
To complete your request for hardship assistance, your lender must consider your
circumstances to determine possible options while working with your
Please provide the following information to the best of your knowledge:
CUST OMER/PRIM A R Y APP LICANT
Borrower name(s):
Property Address:
City: State: Zip:
Is the property for sale? Yes ❑ No ❑ Listing Date: Price:$
Realtor Name: Realtor Phone:
Borrower Occupied? Yes ❑ No ❑
Mailing Address (if different):
City: State: Zip:
_Phone Numbers: Home: Office:
Cell: Other:
Email:
# of people in household How Long?
C O-BOR R OWER
Mailing Address:
City: State: Zip:
Phone Numbers: Home: Office:
Cell: Other:
Email:
# of people in household How Long?
FINANCIAL INF ORMATIO N
First Mortgage Lender:
Type of Loan:
Loan Number: Date You Closed Your Loan:
Second Mortgage Lender:
Type of Loan:
Loan Number:
Total Mortgage Payments Amount:$ Included Taxes & Insurance:
Date of Last Payment:
Primary Reason for Default:
Is the Loan in Bankruptcy? Yes ❑ No ❑
If yes, provide names, location of court, case number & attorney
Assets Amount Owed Value
Home: $ $
Other Real Estate: $ $
Retirement Funds: $ $
Investments: $ $
Checking: $ $
Savings: $ $
Other: $ $
Automobile #1: Model: Year:
Amount Owed: Value:
Automobile #2: Model: Year:
Amount Owed: Value:
Other transportation (automobiles, boats, motorcycles ): Model:
Year: Amount Owed: Value:
Monthly Income:
Name of Employers:
1.
2.
3.
Additional Income Description (not wages):
1. monthly amount:
2. monthly amount:
Borrower Pay Days: Co- Borrower Pay Days:
Monthly Expenses: (Please only include expenses you are currently_ paying)
EXPENSE AMOUNT EXPENSE AMOUNT
Mortage Food
2 nd Mortgage Utilities
Car Payment(s) Condo/Neigh. Fees
Auto Insurance Med. (not covered)
Auto fuel /repairs Other prop. Payment
Install. Loan Payment Cable TV
Child Support/Alim. Spending Money
Day /Child Care /Tuft. Other Expenses
Amount Available for Monthly Mortgage Payments Based on Income & Expenses:
Have you been working with a Housing Counseling Agency?
Yes ❑ No ❑
If yes, please provide the following information:
Counseling Agency:
Counselor:
Phone (Office): Fax:
2
Email:
Have you made application for Homeowners Emergency Mortgage Assistance Program
(HEMAP) assistance?
Yes 0 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 lender's loan
servicing company:
Lender's Contact (Name): Phone:
Servicing Company (Name):
Contact: Phone:
AUTHORIZATION
I /We, , authorize the above
named to use /refer this information to my lender / servicer for the sole
purpose of evaluating in financial situation for possible mortgage options. I /We
understand that I /We am /are under no obligation to use the services provided by the
above named
Borrower Signature Date
Co- Borrower Signature Date
Please forward this document along with the following information to lender and
lender's counsel:
Proof of income
Past 2 bank statements
Proof of any expected income for the last 45 days
Copy of a current utility bill
Letter explaining reason for delinquency and any supporting
documentation
(hardship letter)
Listing agreement (if property is currently on the market)
FORM 3
IN THE COURT OF COMMON PLEAS OF
Bank of America, N.A. CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff(s)
VS.
Nicholas J. Swett, Executor of the Estate of
Amy A. Lebard, deceased
6137 Leesburg Pike, Apt. 604
Falls Church, VA 22041
DEFENDANT
Defendant(s) Civil
REQUEST FOR CONCILIATION CONFERENCE
Pursuant to the Administrative Order dated , 2012 governing the Cumberland
County Residential Mortgage Foreclosure Diversion Program, the undersigned hereby certifies
as follows:
1. Defendant is the owner of the real property which is the subject of this
mortgage foreclosure action;
2. Defendant lives in the subject real property, which is defendant's primary
residence;
3. Defendant has been served with a "Notice of Residential Mortgage Foreclosure
Diversion Program" and has taken all of the steps required in that Notice to be
eligible to participate in a court- supervised conciliation conference.
The undersigned verifies that the statements made herein are true and correct. I
understand that false statements are made subject to the penalties of 18 Pa. C.S. §4904 relating to
unsworn falsification to authorities.
Signature of Defendant's Counsel /Appointed Date
Legal Representative
Signature of Defendant Date
Signature of Defendant Date
FORM 4
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff(s)
vs.
Defendant(s) Civil
CASE MANAGEMENT ORDER
AND NOW, this day of , 20 , the defendant /borrower in the
above - captioned residential mortgage foreclosure action having filed a Request for Conciliation
Conference verifying that the defendant /borrower has complied with the Administrative Rule
requirements for the scheduling of a Conciliation Conference, it is hereby ORDERED AND
DECREED that:
1. The parties and their counsel are directed to participate in a court - supervised
conciliation Conference on at Main
at the Cumberland County Courthouse, Carlisle, Pennsylvania.
2. At least twenty -one (21) days prior to the date of the Conciliation Conference, the
defendant/borrower must serve upon the plaintiff /lender and its counsel a copy of the
"Cumberland County Residential Mortgage Foreclosure Diversion Program Financial
Worksheet" (Form 2) which has been completed by the defendant/borrower. Upon
agreement of the parties in writing or at the discretion of the Court, the Conciliation
Conference ordered may be rescheduled to a later date and/or the date upon which
service of the completed Form 2 is to be made may be extended. Upon notice to the
Court of the defendant /borrower's failure to serve the completed Form 2 within the time
frame set forth herein or such other date as agreed upon by the parties in writing or
ordered by the Court, the case shall be removed from the Conciliation Conference
schedule and the temporary stay of proceedings shall be terminated.
3. The defendant /borrower and counsel for the parties must attend the Conciliation
Conference in person and an authorized representative of the plaintiff /lender must
either attend the Conciliation Conference in person or be available by telephone during
the course of the Conciliation Conference. The representative of the plaintiff /lender
who participates in the Conciliation Conference must possess the actual authority to
reach a mutually acceptable resolution, and counsel for the plaintiff /lender must
discuss resolution proposals with the authorized representative in advance of the
Conciliation Conference. If the duly authorized representative of the plaintiff /lender is
not available by telephone during the Conciliation Conference, the Court will schedule
another Conciliation Conference and require the personal attendance of the authorized
representative of the plaintiff /lender at the rescheduled Conciliation Conference.
4. At the Conciliation Conference, the parties and their counsel shall be prepared to
discuss and explore all available resolution options which shall include: bringing the
mortgage current through a reinstatement; paying off the mortgage; proposing a
forbearance agreement or repayment plan to bring the account current over time;
agreeing to tender a monetary payment and to vacate in the near future in exchange
for not contesting the matter; offering the lender a deed in lieu of foreclosure;
entering into a loan modification or a reverse mortgage; paying the mortgage default
over sixty months; and the institution of bankruptcy proceedings.
5. All proceedings in this matter are stayed pending the completion of the scheduled
conciliation conference.
BY THE COURT
J.
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy t'
Richard W Stewart . ultit:.tiLa;C1 si
Solicitor - err
PENNSYLVANIA
Bank of America NA
vs.
Case Number
Nicholas J Swett Executor of the Esate of Amy A. Lebary, Deceased 2013-7219
SHERIFF'S RETURN OF SERVICE
12/09/2013 11:30 AM - Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search
and inquiry for the within named Defendant to wit: Occupant, but was unable to locate the Defendant in
his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage
Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as"Not Found"at 484 S.
Baltimore Avenue, Mt. Holly Borough, Mt. Holly Springs, PA 17065. Residence is vacant.
SHERIFF COST: $40.91 SO ANSWERS,
December 11, 2013 RONt R ANDERSON, SHERIFF
SHAPIRO & DeNARDO, LLC
BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447
CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403
BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169
CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 13-044157
Bank of America, N.A. COURT OF COMMON PLEAS
PLAINTIFF CIVIL DIVISION
CUMBERLAND COUNTY
VS.
NO: 2013-07219
Nicholas J. Swett, Executor of the Estate of
Amy A. Lebard, deceased
DEFENDANT
TO THE PROTHONOTARY:
WITHDRAWAL OF APPEARANCE
C)
C„)
Please withdraw my appearance on behalf of the Plaintiff in the above-captioned matter.
Date: BY:
13-044157
SHAPIRO & DeNARDO, LLC
eys for Plan-Ili
CAITLIN M. DONNELLY, ESQ
-OFF■r;-.
E. PROTtiONOTA
PHELAN HALLINAN, LLP ,
TH
John D. Krohn, Esq., Id. No.31132/2464' 6 fiti 10: 1.4ti
Philadelphia, PA 19103 UMBER. AND COUNT Y
PENt4SYLVANIA
1617 JFK Boulevard, Suite 140n
One Penn Center Plaza 1 e
john.krohn @phelanhallinan.com
215-563-7000
BANK OF AMERICA, NA
Plaintiff
VS.
NICHOLAS J. SWELL', EXECUTOR OF THE
ESTATE OF AMY A. LEBARD, DECEASED
Defendant
Attorney for Plaintiff
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
No. 13-7219 CIVIL
ENTRY OF APPEARANCE
TO THE PROTHONOTARY:
Kindly enter our appearance as counsel on behalf of the Plaintiff, Pitir.''414tiikkiiir
SRWCE in the above captioned matter.
Phelan Hallinan, LLP
Date: s7/5//11 By:
PH # 942621
John D. ohn, Esq., Id. No.312244
Attorney for Plaintiff
Phelan Hallinan, LLP
PHELAN HALLINAN, LLP
John D. Krohn, Esq., Id. No.312244
1617 JFK Boulevard, Suite 1400
One Penn Center Plaza
Philadelphia, PA 19103
john.krohn@phelanhallinan.com
215 -563 -7000
BANK OF AMERICA, N.A
Plaintiff
vs.
NICHOLAS J. SWETT, EXECUTOR OF THE
ESTATE OF AMY A. LEBARD, DECEASED
Attorney for Plaintiff
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
No. 13 -7219 CIVIL
Defendant
CERTIFICATION OF SERVICE
I hereby certify a true and correct copy of the foregoing Entry of Appearance was served by
regular mail on Defendant(s) on the date listed below:
NICHOLAS J. SWETT
438 SOUTH BALTIMORE AVENUE
MOUNT HOLLY SPRINGS, PA 17065 -1025
Date:
PH # 942621
315114
AMY A. LEBARD
438 SOUTH BALTIMORE AVENUE
MOUNT HOLLY SPRINGS, PA 17065 -1025
Phelan Hallinan, LLP
By:
John D. Ki hn, Esq., Id. No.312244
Attorney for Plaintiff
Phelan Hallinan, LLP
PHELAN HALLINAN, LLP
Emily M. Phelan, Esq., Id. No.315250
1617 JFK Boulevard, Suite 1400
One Penn Center Plaza
Philadelphia, PA 19103
emily.phelan@phelanhallinan.com
215-563-7000
BANK OF AMERICA, N.A.
Plaintiff
vs.
Lb ? SP
ii Sj
f;l it COUNT:
PENNS YL VAN! A
: COURT OF COMMON PLEAS
: CIVIL DIVISION
: CUMBERLAND COUNTY
NICHOLAS J. SWETT, in capacity as Executor : No. 13-7219 CIVIL
of the Estate of AMY A. LEBARD
Defendants
PRAECIPE TO REINSTATE CIVIL ACTION/MORTGAGE FORECLOSURE
TO THE PROTHONOTARY:
Kindly reinstate the Civil Action in Mortgage Foreclosure with reference to the above
captioned matter.
Date:
/alg, Svc Dept.
File# 942621
zgi
By:
PHELA
, LLP
Emi .f' . Phelan, Esq., Id. No.315250
Attorney for Plaintiff
,} 1.75pc1 at //)_
lt/ao�3/
3acot/s
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith 1,0 D� erru at ,,, k. ,.,
Chief Deputy ¢¢
t. JiJA 213 i✓l� f l�1
Richard W Stewart
Solicitor ,44
=KK Y .`: z t;L s ,.,
PENNSYLVANIA
Bank of America NA
vs. Case Number
Nicholas J Swett Executor of the Esate of Amy A. Lebary, Deceased 2013-7219
SHERIFF'S RETURN OF SERVICE
06/04/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry
for the within named Defendant to wit: Nicholas J Swett Executor of the Esate of Amy A. Lebary,
Deceased, 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 438 South Baltimore Avenue, Mt. Holly Borough, Mt. Holly Springs, PA
17065. Residence is vacant and per the Mt. Holly Springs Postmaster the defendant is not known at the
address provided.
SHERIFF COST: $40.91 SO ANSWERS,
June 17, 2014 RONNR ANDERSON, SHERIFF
Phelan Hallinan, LLP
1617 JFK Boulevard, Suite 1400
Philadelphia, PA 19103
215-563-7000
BANK OF AMERICA, N.A.
COURT OF COMMON PLEAS
Plaintiff CIVIL DIVISION
vs. No. 13-7219 CIVIL
NICHOLAS J. SWETT, in capacity as Executor of :
the Estate of AMY A. LEBARD CUMBERLAND C
Defendant
PRAECIPE
-<c)
>
PRAECIPE TO ATTACH WAIVER
TO THE PROTHONOTARY:
Kindly file the attached Waivers by heirs of right to be named as defendant in the
foreclosure action executed by WAVERLY J. LEBARD, Devisee of the Estate of AMY A.
LEBARD, AMY L. SWETT, Devisee of the Estate of AMY A. LEBARD and KITTI JO
SUMMERSCALES, Devisee of the Estate of AMY A. LEBARD.
Plaintiff is proceeding with foreclosure against the current named defendant, NICHOLAS
J. SWETT, in his capacity as Executor of the Estate of AMY A. LEBARD.
CFI
.4"
Dated: /0//(f
942621
By:
PHELAN HALLINAN, LLP
Adam Davis, Esq., Id. No. 203034
Attorney for Plaintiff
Phelan Hallinan, LLP
1617 JFK Boulevard, Suite 1400
Philadelphia, PA 19103
215-563-7000
BANK OF AMERICA, N.A.
Plaintiff
vs.
NICHOLAS J. SWETT, in capacity as Executor of :
the Estate of AMY A. LEBARD
Defendant
COURT OF COMMON PLEAS
CIVIL DIVISION
No. 13-7219 CIVIL
CUMBERLAND COUNTY
CERTIFICATE OF SERVICE
I hereby certify that a true and correct copy of praecipe to attach waivers was sent via
first class mail to the following on the date listed below:
Dated: /
942621
NICHOLAS J. SWETT, Executor of the
Estate of AMY A. LEBARD
6137 LEESBURG PIKE, APT 604
FALLS CHURCH, VA 22041-2128
WAVERLY J. LEBARD, Devisee of the
Estate of AMY A. LEBARD
11725 TERRA COTTA DR
WAYNESBORO, PA 17268-9100
AMY L. SWETT, Devisee of the
Estate of AMY A. LEBARD
1264 HILLSIDE DR
MECHANICSBURG, PA 17055-9712
KITTI JO SUMMERSCALES, Devisee of
the Estate of AMY A. LEBARD
PO BOX 429
NEW BLOOMFIELD, PA 17068-0429
By:
PHELAN HALLINAN, LLP
e•-"'
Adam Davis, Esq., Id. No. 203034
Attorney for Plaintiff
EXHIBIT "A"
WAIVER BY HEIR OF RIGHT TO BE NAMED
AS A DEFENDANT IN FORECLOSURE ACTION
I, WAVERLY J. LEBARD, Devisee of the Estate of AMY A. LEBARD, hereby
acknowledge that I may have an ownership interest in the property located at 438 SOUTH
BALTIMORE AVENUE, MOUNT HOLLY SPRINGS, PA 17065-1025, in accordance with
Section 301(b) of the Pennsylvania Probate, Estates and Fiduciaries Code [20 Pa C.S.A. Section
301(b)]. I do hereby waive my right to be named as a defendant in a foreclosure action as
provided by Pa.R.C.P. 1141 et seq., which may be instituted by PENNYMAC LOAN
SERVICES, LLC, involving said property, which property was owned by the decedent at the
time of her death.
I hereby consent to the foreclosure action, without any further notice of said action,
including but not limited to the Sheriff's sale, and understand that any interest I may have in the
mortgaged premises will be divested upon completion of the foreclosure action.
I do retain any and all rights I may have under Pennsylvania law to reinstate or otherwise
payoff the underlying debt or to make any claim for excess proceeds generated by the Sheriff's
sale of the mortgage premises.
Date:
702,2-/V
WAVERL 3. LEBARD, Devisee
of the Estat of AMY A. LEBARD
9c7,2k)(
WAIVER BY HEIR OF RIGHT TO BE NAMED
AS A DEFENDANT IN FORECLOSURE ACTION
I, AMY L. SWETT, Devisee of the Estate of AMY A. LEBARD, hereby acknowledge
that I may have an ownership interest in the property located at 438 SOUTH BALTIMORE
AVENUE, MOUNT HOLLY SPRINGS, PA 17065-1025, in accordance with Section 301(b) of
the Pennsylvania Probate, Estates and Fiduciaries Code [20 Pa C.S.A. Section 301(b)]. I do
hereby waive my right to be named as a defendant in a foreclosure action as provided by
Pa.R.C.P. 1141 et seq., which may be instituted by PENNYMAC LOAN SERVICES, LLC,
involving said property, which property was owned by the decedent at the time of her death.
I hereby consent to the foreclosure action, without any further notice of said action,
including but not limited to the Sheriff's sale, and understand that any interest I may have in the
mortgaged premises will be divested upon completion of the foreclosure action.
I do retain any and all rights I may have under Pennsylvania law to reinstate or otherwise
payoff the underlying debt or to make any claim for excess proceeds generated by the Sheriff's
sale of the mortgage premises.
Date: 7/2—i/j-
AMY
L. S TT, Devisee
of the Estate of AMY A. LEBARD
WAIVER BY HEIR OF RIGHT TO BE NAMED
AS A DEFENDANT IN FORECLOSURE ACTION
I, KITTI JO SUMMERSCALES, Devisee of the Estate of AMY A. LEBARD, hereby
acknowledge that I may have an ownership interest in the property located at 438 SOUTH
BALTIMORE AVENUE, MOUNT HOLLY SPRINGS, PA 17065-1025, in accordance with
Section 301(b) of the Pennsylvania Probate, Estates and Fiduciaries Code [20 Pa C.S.A. Section
301(b)]. I do hereby waive my right to be named as a defendant in a foreclosure action as
provided by Pa.R.C.P. 1141 et seq., which may be instituted by PENNYMAC LOAN
SERVICES, LLC, involving said property, which property was owned by the decedent at the
time of her death.
I hereby consent to the foreclosure action, without any further notice of said action,
including but not limited to the Sheriff's sale, and understand that any interest I may have in the
mortgaged premises will be divested upon completion of the foreclosure action.
I do retain any and all rights I may have under Pennsylvania law to reinstate or otherwise
payoff the underlying debt or to make any claim for excess proceeds generated by the Sheriff's
sale of the mortgage premises.
Date: - k
KITTI JO SUMMERSCALES, Devisee
of the Estate of AMY A. LEBARD
(1)
PHELAN HALLINAN, LLP
Jonathan Lobb, Esq., Id. No.312174
1617 JFK Boulevard, Suite 1400
One Penn Center Plaza
Philadelphia, PA 19103
Jonathan.Lobb@phelanhallinan.corn
215-563-7000
PENNYMAC LOAN SERVICES, LLC
Plaintiff
vs.
LU
: COURT OF COMMON PLEAS
: CIVIL DIVISION
: CUMBERLAND COUNTY
NICHOLAS J. SWETT, in his capacity as : No. 13-7219 CIVIL
Executor of the Estate of AMY A. LEBARD
.1 Y
Defendants
PRAECIPE TO REINSTATE CIVIL ACTION/MORTGAGE FORECLOSURE
TO THE PROTHONOTARY:
Kindly reinstate the Civil Action in Mortgage Foreclosure with reference to the above
captioned matter.
Date: g (A311
Ialg, Svc Dept.
File# 942621
By:
Jonath Lobb, Esq., Id. No.312174
Attorney for Plaintiff
PHELAN HAWN N, LLP
covq_ I 1 7
CL -it I 4,-f
R.* 31 P-7 Lib
Phelan Hallinan, LLP
1617 JFK Boulevard, Suite 1400
One Penn Center Plaza
Philadelphia, PA 19103
215-563-7000
Attorney For Plaintiff
BANK OF AMERICA, N.A.
Plaintiff
v.
NICHOLAS J. SWETT, in his capacity as
Executor of the Estate of AMY A.
LEBARD
Defendant(s)
Court of Common Pleas
Civil Division
CUMBERLAND County
No. 13-7219 CIVIL
PRAECIPE FOR VOLUNTARY SUBSTITUTION OF PARTY PLAINTIFF
PURSUANT TO Pa.R.C.P., 2352
TO THE PROTHONOTARY:
Kindly substitute PENNYMAC LOAN SERVICES, LLC as successor Plaintiff for the
originally named Plaintiff.
The material facts on which the right of succession and substitution are based as follows:
PENNYMAC LOAN SERVICES, LLC is the current holder of the mortgage by
virtue of that certain Assignment of Mortgage, which Assignment was recorded on
01/14/2014 in Instrument No. 201401045 of the Recorder of Deeds Office in and for
CUMBERLAND County.
Kindly amend the information on the docket accordingly.
Date:
PH # 942621
By:
Jonat
Lobb, Esq., Id. No.312174
Attorney for Plaintiff
amj 6-6
du /wow) C
� 31 yU 89
I
Phelan Hallinan, LLP
1617 JFK Boulevard, Suite 1400
One Penn Center Plaza
Philadelphia, PA 19103
215-563-7000
Attorney For Plaintiff
BANK OF AMERICA, N.A.
Plaintiff
v.
NICHOLAS J. SWETT, in his capacity as
Executor of the Estate of AMY A.
LEBARD
Defendant(s)
Court of Common Pleas
Civil Division
CUMBERLAND County
No. 13-7219 CIVIL
ENTRY OF APPEARANCE
TO THE PROTHONOTARY:
Kindly enter my appearance on behalf of PENNYMAC LOAN SERVICES, LLC.
Date:
PH # 942621
PHELAN HALLINAN, LLP
By:
Jonathan Lobb, Esq., Id. No.312174
Attorney for Plaintiff
Phelan Hallinan, LLP
1617 JFK Boulevard, Suite 1400
One Penn Center Plaza
Philadelphia, PA 19103
215-563-7000
Attorney For Plaintiff
BANK OF AMERICA, N.A.
Plaintiff
v.
NICHOLAS J. SWETT, in his capacity as
Executor of the Estate of AMY A.
LEBARD
Defendant(s)
Court of Common Pleas
Civil Division
CUMBERLAND County
No. 13-7219 CIVIL
CERTIFICATION OF SERVICE
I hereby certify that true and correct copies of the foregoing Plaintiffs Praecipe for
Substitution of Party Plaintiff and Entry of Appearance were served by regular mail on the
person(s) on the date listed below:
NICHOLAS J. SWETT, in his capacity as Executor of the Estate of AMY A. LEBARD
6137 LEESBURG PIKE, APT 604
FALLS CHURCH, VA 22041-2128
Date:
PHELAN HALLINAN, LLP
By:
Jonat an Lobb, Esq., Id. No.312174
Attorney for Plaintiff
Phelan Hallinan, LLP
16] 7 JFK Boulevard, Suite 1400
One Penn Center Plaza
Philadelphia, PA 19103
215-563-7000
LL�l5 Jiici -6 /1;1110: 17
CU; Ei3� fiL ;i;) CUUi:TY
PENHS YLV,ANIA
PENNYMAC LOAN SERVICES, LLC
Plaintiff
vs.
NICHOLAS J. SWETT, in his capacity as Executor
of the Estate of AMY A. LEBARD
Defendant
Attorney for Plaintiff
Court of Common Pleas
Civil Division
CUMBERLAND County
No. 13-721.9 CIVIL
MOTION FOR SERVICE PURSUANT TO
SPECIAL ORDER OF COURT
Plaintiff, by its counsel, Phelan Hallinan, LLP, moves this Honorable Court for an Order
directing service of the Complaint and the notice of Sheriffs Sale upon the above -captioned
Defendant, NICHOLAS J. SWETT, in his capacity as Executor of the Estate of AMY A.
LEBARD, by first class mail to NICHOLAS J. SWETT, in his capacity as Executor of the Estate
of AMY A. LEBARD at the last known address, 6137 LEESBURG PIKE, APT 604, FALLS
CHURCH, VA 22041-2128 and the mortgaged premises, 438 SOUTH BALTIMORE AVENUE,
MOUNT HOLLY SPRINGS, PA 17065-1025; and posting of the mortgaged premises, 438
SOUTH BALTIMORE AVENUE, MOUNT HOLLY SPRINGS, PA 17065-1025, and in
support thereof avers the following:
1. Attempts to serve Defendant, NICHOLAS J. SWETT, in his capacity as Executor
of the Estate of AMY A. LEBARD, personally with the Complaint have been unsuccessful. The
Sheriff of CUMBERLAND County attempted to serve the Defendant at the mortgaged premises,
438 SOUTH BALTIMORE AVENUE, MOUNT HOLLY SPRINGS, PA 17065-1025. As
indicated by the Return of Service, no service was made as said address is vacant. A true and
correct copy of the Return of Service is attached hereto, made part hereof, and marked as Exhibit
2. The Plaintiffs Process Server attempted to serve the Defendant at 6137
LEESBURG PIKE, APT 604, FALLS CHURCH, VA 22041-2128. As indicated by the
Affidavit of Service, no service was made as there was no response to the attempts made by the
Plaintiffs Process Server. A true and correct copy of the Affidavit of Service is attached hereto,
made part hereof, and marked as Exhibit "B".
3. Pursuant to Pa.R.C.P. 430, Plaintiff has made a good faith effort to locate the
Defendant. A true and correct copy of an affidavit of due diligence setting forth the specific
inquiries as to the Defendant's whereabouts and the results thereof is attached hereto, made part
hereof, and marked as Exhibit "C".
4. In addition to traditional sources, the above investigation searched numerous
internet websites including LexisNexis, the social security death index, and WhitePages.com
using the defendant's social security number where possible in attempt to locate the defendant.
5. Plaintiff contacted the Prothontary's Office and as of December 12, 2014, no
Judge has previously entered a ruling in this case.
6. In accordance with CUMBERLAND County Local Rule 208.2(d), Plaintiff sent a
copy of its Proposed Motion for Special Service and Order to the Defendant on December 14,
2014 and requested Defendant's concurrence. Plaintiff did not receive any written response from
the Defendant. A true and correct copy of Plaintiffs December 14, 2014 letter and postmarked
certificate of mailing pursuant to Local Rule 208.2(d) attached hereto, made part hereof, and
marked Exhibit "D".
PH # 942621
7. Plaintiff has reviewed its internal records and has not been contacted by the
Defendant to bring loan current.
8. Plaintiff submits that it has made a good faith effort to locate the Defendant but
has been unable to do so.
WHEREFORE, Plaintiff respectfully requests that this Honorable Court enter an Order
pursuant to Pa.R.C.P. 430 directing service of the Complaint and notice of Sheriffs Sale by first
class mail and posting.
Respectfully submitted,
PHELAN HALLINAN, LLP
Date: 1 /5Ji c By:
Ph`•: n Hallinan, LLP
Jonathan Lobb, Esq., Id. No.312174
Attorney for Plaintiff
PHELAN HALLINAN, LLP
1617 JFK Boulevard, Suite 1400
One Penn Center Plaza, Philadelphia, PA 19103
215-563-7000
PH # 942621
Phelan Hallinan, LLP
1617 JFK Boulevard, Suite 1400
One Penn Center Plaza
Philadelphia, PA 19103
215-563-7000
PENNYMAC LOAN SERVICES, LLC
Plaintiff
VS.
NICHOLAS J. SWETT, in his capacity as Executor
of the Estate of AMY A. LEBARD
Defendant
Attorney for Plaintiff
Court of Common Pleas
Civil Division
CUMBERLAND County
No. 13-7219 CIVIL
MEMORANDUM OF LAW IN SUPPORT OF PLAINTIFF'S MOTION
FOR SERVICE PURSUANT TO SPECIAL ORDER OF COURT
I. FACTUAL BACKGROUND
Attempts to serve Defendant, NICHOLAS J. SWETT, in his capacity as Executor of the
Estate of AMY A. LEBARD, with the Complaint have been unsuccessful. The Sheriff of
CUMBERLAND County attempted to serve the Defendant at the mortgaged premises, 438
SOUTH BALTIMORE AVENUE, MOUNT HOLLY SPRINGS, PA 17065-1025. The
Plaintiffs Process Server attempted to serve the Defendant at 6137 LEESBURG PIKE, APT 604,
FALLS CHURCH, VA 22041-2128. As indicated by the Return of Service and the Affidavit of
Service, no service was made. Pursuant to Pa.R.C.P. 430, Plaintiff has made a good faith effort
to discover the whereabouts of the Defendant as evidenced by the affidavit of due diligence
setting forth the specific inquiries as to the Defendant's whereabouts and the results thereof.
Further, Plaintiffs counsel has reviewed its internal records and has not been contacted by the
PH # 942621
Defendant to bring loan current. Consequently, Plaintiff submits that it has made a good faith
effort to locate the Defendant but has been unable to do so.
II. LEGAL AUTHORITY
Pennsylvania Rule of Civil Procedure 430(a) specifically states:
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.
Pa.R.C.P. 430(a) (2009).
In particular:
An illustration of a good faith effort to locate the defendant includes (1) inquiries
of postal authorities including inquiries pursuant to the Freedom of Information
Act, 39 C.F.R. Part 265, (2) inquiries of relatives, neighbors, friends, and
employers of the defendant, and (3) examinations of local telephone directories,
voter registration records, local tax records, and motor vehicle records.
Id. at 430(a) n.
Similarly, the Pennsylvania Superior Court has gone on to explain that, "While by no
means exhaustive, this Note is at least indicative of the types of procedures contemplated by the
legislature when enacting Rule 430." Deer Park Lumber, Inc. v. Major. 384 Pa. Super. 625, 633,
559 A.2d 941, 946 (1989), appeal denied, 525 Pa. 582, 575 A.2d 113 (1990). Only after such
proof has been offered is the Court authorized to direct another method of substitute service. See
id.
In the instant case, as indicated by the Return of Service and the Affidavit of Service, the
Sheriff and the Plaintiffs Process Server have been unable to serve the Complaint. Plaintiff has
made a good faith effort to discover the whereabouts of the Defendant as evidenced by the
PH # 942621
affidavit of due diligence. Therefore, Plaintiff respectfully requests an Order pursuant to
Pa.R.C.P. 430 directing service of the Complaint by first class mail and posting.
Additionally, pursuant to Pennsylvania Rule of Civil Procedure Rule 3129.2, it is necessary
in a foreclosure action for the Sheriff or Process Server to serve upon the Defendant Notice of the
Sale of the mortgaged premises. Specifically, Pa. R.C.P. Rule 3129.2(c) provides in applicable part
as follows:
The written notice shall be prepared by the plaintiff, shall contain the same information as
the hand bills or may consist of the handbill and shall be served at least thirty days before
the sale on all persons whose names and addresses are set forth in the affidavit required by
Rule 3129.1.
(1) Service of the notice shall be made:
(i) upon a defendant...
(A) by the sheriff or by a competent adult in the manner prescribed by
Rule 402(a) for the service of the original process upon a defendant,
or
(B) by the plaintiff mailing a copy in the manner prescribed by Rule
403 to the addresses set forth in the affidavit; or
(C) if the service cannot be made as provided in subparagraph (A) or (B),
the notice shall be served pursuant to special order of court as
prescribed by Rule 430, except that if original process was served
pursuant to special order of court under Rule 430 upon the defendant in
the judgment, the notice may be served upon that defendant in the
manner provided by the order for service of original process without
further application to the court.
Therefore, Plaintiff respectfully requests that the Court allow for service of the Notice of Sale
upon Defendant in accordance with Pa. R. C. P. Rule 430 by first class mail and posting.
III. CONCLUSION
As indicated by the Return of Service and the Affidavit of Service, the Sheriff and the
Plaintiffs Process Server have been unable to serve the Complaint upon the Defendant. Plaintiff
PH # 942621
has made a good faith effort to discover the whereabouts of the Defendant as evidenced by its
affidavit of due diligence.
WHEREFORE, Plaintiff respectfully requests that this Honorable Court enter an Order
pursuant to Pa.R.C.P. 430 directing service of the Complaint and Notice of Sheriff's Sale by first
class mail and posting.
Date:
Respectfully submitted,
PHELAN HALLINAN, LLP
,/s ),s By:
Jonat .'1 Lobb, Esq., Id. No.312174
Attoiney for Plaintiff
PH # 942621
Phelan Hallinan, LLP
1617 JFK Boulevard, Suite 1400
One Penn Center Plaza
Philadelphia, PA 19103
215-563-7000 Attorney for Plaintiff
PENNYMAC LOAN SERVICES, LLC Court of Common Pleas
Plaintiff
Civil Division
vs.
CUMBERLAND County
NICHOLAS J. SWETT, in his capacity as Executor
of the Estate of AMY A. LEBARD No. 13-7219 CIVIL
Defendant
CERTIFICATION OF SERVICE
The undersigned Attorney hereby certifies that copies of the foregoing Motion for Service
Pursuant to Special Order of Court, Memorandum of Law, Proposed Order and attached exhibits
have been sent to the individual as indicated below by first class mail, postage prepaid, on the
date listed below.
NICHOLAS J. SWETT, in his capacity as Executor of the Estate of AMY A. LEBARD
6137 LEESBURG PIKE, APT 604
FALLS CHURCH, VA 22041-2128
NICHOLAS J. SWETT, in his capacity as Executor of the Estate of AMY A. LEBARD
438 SOUTH BALTIMORE AVENUE
MOUNT HOLLY SPRINGS, PA 17065-1025
The undersigned understands that this statement is made subject to the penalties of 18 Pa.
C.S. §4904 relating to unsworn falsification to authorities.
Date:
tc/i
Respectfully submitted,
PHELAN HALLINAN, LLP
By:
Jonat►i
Exhibit "A"
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
(,°s -v. a1 'Cc
oWt
OFFICE aF THE Si,ERIFF
Bank of America NA
vs.
Nicholas J Swett Executor of the Esate of Amy A. Lebary, Deceased
Case Number
2013-7219
SHERIFF'S RETURN OF SERVICE
06/04/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry
for the within named Defendant to wit: Nicholas J Swett Executor of the Esate of Amy A. Lebary,
Deceased, 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 438 South Baltimore Avenue, Mt. Holly Borough, Mt. Holly Springs, PA
17065. Residence is vacant and per the Mt. Holly Springs Postmaster the defendant is not known at the
address provided.
SHERIFF COST: $40.91 SO ANSWERS,
June 17, 2014 RONNY R ANDERSON, SHERIFF
1.c) CountySuite Sheriff, 7eleosoft. Inc.
Exhibit "B"
AFFIDAVIT OF SERVICE
Please effectuate at least three Service attempts by 12/03/2014
PLAINTIFF CUMBERLAND COUNTY
PENNYMAC LOAN SERVICES, LLC DOCKET NO.: 13-7219 CIVIL
DEFENDANT PH # 942621
NICHOLAS J. SWETT, in his capacity as Executor of the Estate of SERVICE TEAM
AMY A. LEBARD
SERVE NICHOLAS J. SWETT, in his capacity as Executor of the
Estate of AMY A. LEBARD AT:
6137 LEESBURG PIKE
APT 604
FALLS CHURCII, VA 22041-2128
TYPE OF ACTION
XX Mortgage Foreclosure
XX Civil Action
SERVED
Served and made known to NICHOLAS J. SWETT. in his capacity as Executor of the Estate of AMY A. LEBARD,
Defendant on the day of , 20 , at
, o'clock _. M., at , in the manner described below:
_ Defendant personally served.
_ Adult family member with whom Defendant(s) reside(s).
Relationship is
_ Adult in charge of Defendant's residence who refused to give name or relationship.
_ Manager/Clerk of place of lodging in which Defendant(s) reside(s).
_ Agent or person in charge of Defendant's office or usual place of business.
an officer of said Defendant's company.
Other:
Description: Age
Height Weight Race
Sex Other
I, a competent adult, being duly sworn according to law, depose and state that I personally
handed a true and correct copy of the Foreclosure Complaint in the manner as set forth herein, issued in the captioned
case on the date and at the address indicated above.
Sworn to and subscribed
before me this day
of, ,20 .
Notary: By
On the la day of I j(Qmbfr 2014
Defendant NOT FOL ND because:
Vacant _ Does Not Exist
_X No Answer on IIW at 5.5(c Rn
Service Refused
Other:
NOT SERVED
, at 57'11 o'clock?. M., I, j;zabe I >n , a competent adult hereby state that
Moved _ Does Not Reside (Not Vacant)
ft fBr)9
Sworn to and subscribed
before me this 1 L day
of Woo \lQCn . e 2011. By:
Not
at B 3( lam 5' '1 Pm
DORA MELISSA MENJIVAR
NOTARY PUBLIC
REG. #7596614
COMMONWEALTH OF VIRGINIA
MY COMMISSION EXPIRES JANUARY 31, 2018
Exhibit "C'
AFFIDAVIT OF GOOD FAITH INVESTIGATION
File Number: 942621
Attorney Firm: Phelan Hallinan, LLP
Subject: Amy A. Lebard (Deceased), Waverly E. Lebard (Deceased) & Nicholas J. Swett
Property Address: 438 South Baltimore Avenue, Mount Holly Springs, PA 17065
I. CREDIT INFORMATION
A. SOCIAL SECURITY NUMBER
Our search verified the following information to be true and correct
Amy A. Lebard - xxx-xx-2436
Waverly E. Lebard - xxx-xx-6661
Nicholas J. Swett - not available
B. EMPLOYMENT SEARCH
Amy A. Lebard, Waverly E. Lebard & Nicholas J. Swett - A review of the credit reporting agencies
provided no employment information.
C. INQUIRY OF CREDITORS
Our inquiry of creditors indicated that Amy A. Lebard & Waverly E. Lebard reside(s) at: 438 South
Baltimore Avenue, Apartment 138, Mount Holly Springs, PA 17065 and Nicholas J. Swett reside(s)
at: 438 South Baltimore Avenue, Mount Holly Springs, PA 17065.
II. INQUIRY OF TELEPHONE COMPANY
A. DIRECTORY ASSISTANCE SEARCH
Our office searched directory assistance databases, which had no listing for Amy A. Lebard,
Waverly E. Lebard & Nicholas J. Swett. w
B. On 06-02-14 our office made a telephone call to a possible phone number of the subject(s) (717)
486-8084 and received the following information: not in service.
III. INQUIRY OF NEIGHBORS
On 06-02-14 our office made a phone call in an attempt to contact Raymond D. Fahnestock (717)
486-8655, 424 South Baltimore Avenue, Mount Holly Springs, PA 17065: wrong number.
On 06-02-14 our office made several phone calls in an attempt to contact Aden Miller (717) 486-
8638, 426 South Baltimore Avenue, Mount Holly Springs, PA 17065: no answer.
On 06-02-14 our office made several phone calls in an attempt' to contact Joseph D. Milliken (717)
486-3853, 434 South Baltimore Avenue, Mount 1 -Holly Springs, PA 17065: answering machine.
IV. ADDRESS INQUIRY
A. NATIONAL ADDRESS UPDATE
On 06-02-14 we reviewed the National Address database and found the following information:
Amy A. Lebard & Waverly E. Lebard - 438 South Baltimore Avenue, Apartment 138, Mount Holly
Springs, PA 17065 and Nicholas J. Swett - 438 South Baltimore Avenue, Mount Holly Springs, PA
17065.
B. ADDITIONAL ACTIVE MAILING ADDRESSES
Per our inquiry of creditors, the following is a possible mailing address: no addresses on file.
V. OTHER INQUIRIES
A. DEATH RECORDS
As of 06-02-14 Vital Records and all public databases have a death record on file for Amy A.
Lebard & Waverly E. Lebard and have no death record on file for Nicholas J. Swett.
VI. ADDITIONAL INFORMATION OF SUBJECT
A. YEAR OF BIRTH
Amy A. Lebard - 01-18-1925
Waverly E. Lebard - 11-03-1924
Nicholas J. Swett - not available
B. DATE OF DEATH
Amy A. Lebard -10-17-2012
Waverly E. Lebard - 05-23-2008
C. A.K.A.
Amy Anna Lebard
" The following accessible inteinet databases have been checked and cross-referenced for the above named
individual(s).
SSN Subject Summary
Others Using SSN
Address Summary
Voter Registrations
Driver Licenses
Professional Licenses
Health Care Providers
Health Care Sanctions
Pilot Licenses
Sport Licenses
Real Property Assets
Motor Vehicle Registrations
Boats
Aircraft
Bankruptcy Information
Judgments/Liens
UCC Liens
Fictitious Businesses
Not -ice Of Defaults
Business Associates
Person Associates
Neighbors
Employment Locator
Criminal Filings
Cellular & Alternate Phones
I hereby verify that the statements made herein are true and correct to the best of my
knowledge, information and belief and that this affidavit of investigation is made subject to
ie penalties of 18 Pa CS., Sec. 4904 relating to unsworn falsification to authorities.
The above information is obtained from available public records
and we are only liable for the cost of the affidavit.
Exhibit "D"
Phelan Hallinan, LLP
1617 JFK Boulevard, Suite 1400
One Penn Center Plaza
Philadelphia, PA 19103
215-563-7000
FAX#: 215-568-7616
Noeleen R. Urmson Ext. 1469 Representing Lenders in
Service Department Pennsylvania
December 14, 2014
NICHOLAS J. SWETT, in his capacity as Executor of the Estate of AMY A. LEBARD
438 SOUTH BALTIMORE AVENUE
MOUNT HOLLY SPRINGS, PA 17065-1025
NICHOLAS J. SWETT, in his capacity as Executor of the Estate of AMY A. LEBARD
6137 LEESBURG PIKE, APT 604
FALLS CHURCH, VA 22041-2128
RE: PENNYMAC LOAN SERVICES, LLC v. NICHOLAS J. SWETT, in his capacity as
Executor of the Estate of AMY A. LEBARD
Premises Address: 438 SOUTH BALTIMORE AVENUE, MOUNT HOLLY SPRINGS,
PA 17065-1025
CUMBERLAND County, No. 13-7219 CIVIL
Dear Defendant,
Enclosed please find a true and correct copy of my proposed Motion for Special Service
and Order. In accordance with CUMBERLAND County Local. Rule 208.3(9), I am seeking
concurrence with the requested relief that is, service of the complaint by first class mail and
posting. of the mortgaged premises. Please respond to me within one week, by
Should you have any further questions or concerns, please do not hesitate to contact me.
Otherwise, please be guided accordingly.
Very truly your
Jona an Lobb, Esq., Id. No.312174
Attorney for Plaintiff
PH # 942621
P
n
Name and 1617
7) K Boulevard,
LLP
Address 1bt71FK Bnulcvard, Suite 1400
One Penn Center Plaza NRU
Of Sender Philadcl thia, PA 19103
Name of Addressee Street and iPost Office Address
Nicholas J. Swett, in His Capacity
uto
438 SOUTH BALTIMORE AVENUE
MOUNT HOS.;LV SPRINGS, PA 17065-1025
Nicholas J. Swett, in His Capacity as Executor at'Thf E tate of Amy A. Lebard
6137 LEESBURG PIKE
2128 N1�) TM 4 PH # 942621/1021 Pa *e t tlE' 1
rtttFRLrtEA
Article Number
Slam
NM
Total Number /4Pieces Listed by Sender
For
87
csimi
Estate of Aroy A. Lebard
APT 604
ALLS CHURCH, VA 22041ft 11Will111111IntleMnity payAlc i4 S25,000 WI' ••01t k`.1111.•
R900 13. ad S92.1 rot limituunas 11, ‘‘.,Ct
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RE: NICHO
Tidal Number or Pieces
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PH # 942621
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
PENNYMAC LOAN SERVICES, LLC
Plaintiff
vs.
NICHOLAS J. SWETT, in his capacity as Executor
of the Estate of AMY A. LEBARD
Defendant
Court of Common Pleas
Civil Division
CUMBERLAND County
No. 13-7219 CIVIL
ORDER
5
AND NOW, this al r day of 4.1 , 2upon consideration of Plaintiff's
motion for Service Pursuant to Special Order of Court, it is hereby ORDERED and DECREED,
that said Motion is GRANTED.
It is further ORDERED and DECREED that Plaintiff may obtain service of the
Complaint and of the Notice of Sheriffs Sale as authorized by Pa.RCP. 3129.2 (c)(1)(i)(C)*, on
the above captioned Defendant, NICHOLAS J. SWETT, in his capacity as Executor of the Estate
of AMY A. LEBARD, by:
1. Posting of the premises: 438 SOUTH BALTIMORE AVENUE, MOUNT
HOLLY SPRINGS, PA 17065-1025 by the Sheriff or a non-party competent adult; and
2. First class mail to NICHOLAS J. SWETT, in his capacity as Executor of
the Estate of AMY A. LEBARD at the last known address, 6137 LEESBURG PIKE,
APT 604, FALLS CHURCH, VA 22041-2128 and the mortgaged premises located at 438
SOUTH BALTIMORE AVENUE, MOUNT HOLLY SPRINGS, PA 17065-1025.
Service by mail is complete upon the date of mailing.
PH # 942621/NRU
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It is further ORDERED and DECREED that counsel for Plaintiff is hereby directed to file
a certificate of service with the Prothonotary's office to ensure compliance with this Court Order.
BY TH COURT:
J.
*Prior to fulfilling the requirements of service of Notice of Sale as set forth in is Order, Plaintiff must first
attempt service as set forth in Pa.RCP. 3129.2(c)(1)(i) (A) or (B). In the ev: t this attempted service is not
successful, Plaintiff may proceed with service of the Notice of Sale in confor y with this Order.
Cc:NICHOLAS J. SWETT, in his capacity as Executor of the Estate of AMY A. LEBARD
438 SOUTH BALTIMORE AVENUE,
MOUNT HOLLY SPRINGS, PA 17065-1025
NICHOLAS J. SWETT, in his capacity as Executor of the Estate of AMY A. LEBARD
6137 LEESBURG PIKE, APT 604
FALLS CHURCH, VA 22041-2128
PH # 942621 /NRU