The URL can be used to link to this page

Home My WebLink About05-0689 UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@Udren.com Wells Fargo Bank Minnesota, National Association, as Trustee for Option One Mortgage Loan Trust 2002-A Asset-Backed Certificates, Series 2002-A P.O. Box 57038 Irvine, CA 92619-7038 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County v. William S. Rhoades ~ Bonnie S. Stacy NO. OS: -loP? C/~~ l / w /.--v-, 510 Sample Bridge Road ---. ! Enola, PA 17025 Defendant(s) COMPLAINT IN MORTGAGE FORECLOSURE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYERS REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de est as demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita 0 en persona 0 con un abogado y entregar a la corte en forma escrita sUs defensas 0 sus objeciones alas demandas en contra de su persona. Sea avisado que si usted no se dafiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso 0 notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero 0 sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO o SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty A venue Carlisle, PA 17013 717-249-3166 800-990-9108 NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed. we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address ofthe original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. UDREN LAW OFFICES, P.e. Is! Mark J. Udren, Esquire Woodcrest Corporate Center 111 Woodcrest Road, Suite 200 Cherry Hill, NJ 08003-3620 (856) 669.5400 1. Plaintiff is the Corporation designated as such in the caption on a preceding page. If Plaintiff is an assignee then it is such by virtue of the following recorded assignments: Assignor: Option One Mortgage Corporation Assignments of Record to: Wells Fargo Bank Minnesota, National Association, as Trustee for Option One Mortgage Loan Trust 2002-A Asset-Backed Certificates, Series 2002-A Recording Date: LODGED FOR RECORDING 2. Defendant(s) is the individual designated as such on the caption on a preceding page, whose last known address is as set forth in the caption, and unless designated otherwise, is the real owner(s) and mortgagor(s) of the premises being foreclosed. 3. On or about the date appearing on the Mortgage hereinafter described, at the instance and request of Defendant (s) , Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned to the Defendant (s) the sum appearing on said Mortgage, which Mortgage was executed and delivered to Plaintiff as security for the indebtedness. Said Mortgage is incorporated herein by reference in accordance with Pa.R.C.P. 1019 (g). The information regarding the Mortgage being foreclosed is as follows: MORTGAGED PREMISES: 510 Sample Bridge Road MUNICIPALITY/TOWNSHIP/BOROUGH: Township of Silver Spring COUNTY: Cumberland DATE EXECUTED: 02/05/02 DATE RECORDED: 02/19/02 BOOK: 1749 PAGE: 3073 The legal description of the mortgaged premises is attached hereto and made part hereof. 4. Said Mortgage is in default because the required payments have not been made as set forth below, and by its terms, upon breach and failure to cure said breach after notice, all sums secured by said Mortgage, together with other charges authorized by said Mortgage itemized below, shall be immediately due. S. After demand, the Defendant (s) continues to fail or refuses to comply with the terms of the Mortgage as follows: (a) by failing or refusing to pay the installments of principal and interest when due in the amounts indicated below; (b) by failing or refusing to pay other charges, if any, indicated below. 6. The following amounts are due on the said Mortgage as of 12/27/04: Principal of debt due Unpaid Interest at 9.65% from 6/1/04 to 12/27/04 (the per diem interest accruing on this debt is $40.95 and that sum should be added each day after 12/27/04) Title Report Court Costs (anticipated, excluding Sheriff's Sale costs) Escrow Overdraft/(Balance) (The monthly escrow on this account is $185.69 and that sum should be added on the first of each month after 12/27/04) Late Charges (monthly late charge of $80.37 should be added in accordance with the terms of the note each month after 12/27/04) Suspense Balance Attorneys Fees (anticipated and actual to 5% of principal) TOTAL $154,873.79 8,578.19 325.00 280.00 821.32 823.38 (260.79) 7,743.69 $173,184.58 7. The attorney's fee set forth above are in conformity with the mortgage documents and pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff's Sale. If the mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged in accordance with the reduction provisions of Act 6, if applicable. 8. The combined notice specified by the Pennsylvania Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983 and Notice of Intention to Foreclose under Act 6 of 1974 has been sent to each defendant, via certified and regular mail, in accordance with the requirements of those acts, on the date appearing on the copy attached hereto as Exhibit "A", and made part hereof, and defendant(s) have failed to proceed within the time limits, or have been determined ineligible, or Plaintiff has not been notified in a timely manner of Defendant(s) eligibility. WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant(s) herein in the sum of $173,184.58 plus interest, costs and attorneys fees as more fully set forth in the Complaint, and for foreclosure and sale of the Mortgaged premises. Mark J. Udren, SQUIRE UDREN LAW OFFICES, P.C. Attorney for Plaintiff Attorney I.D. No. 04302 ALL THAT CERTAIN ~RACT OF LAND SITUATE IN TEE TOWNSHIP OF SILVER SPRING, COUNTY OF CUM6ERLAND AND STATE OF PENNSYLVANIA, BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT: BEGINNING AT THE NORTHEAST CORNER AT A STONE MARK; THENCE RUNNING IN A WESTERLY DIRECTION, ONE HUNDRED EIGHTY-EIGHT (188) FEET TO AN IRON PIN; THENCE IN A SOUTHERLY DIRECTION, ONE HUNDRED EIGHTY-FOUR AND FOUR TENTHS (184.4) FEET TO AN IRON PIN, THENCE IN AN EASTERLY DIRECTION, TWO HUNDRED TWO (202) FEET TO A STONE IN THE ROAD; THENCE IN A NORTHERLY DIRECTION, TWO HUNDRED FIVE (205) FEET TO A STONE MARK AT THE PLACE OF BEGINNING. CONTAINING LESS THAN ONE (1) ACRE. PARCEL ID NO. 38-04-0367-008B January 3, 2005 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE Thi~ j~ $In official noticp th9t thp mnrtgRgp on yonr homp i~ in dpfanltr and thp. leniler ,n.flnch: to forp.cto~p. ~pp.rifif" information Ahout thE" n~dllrp. of the r)pfault i~ provitle(l in thp Rttsu"hprl PRIlP~ Th.. HOMROWNF.UDS MORT(;A(;R ASSISTANrR PRO(;RAM fHFMAP) m"y h.. "hi.. to hplp to ~9VP your "home This Notif':p. pyplains how thE" prf'lgram works. To s.... if HRM A P can h..lp, YOII mllst MF.RT WITH A CONSTTMF.R CREDIT COTJNSRI.IN(; A(;RNrV WITHIN ::w DA VS OF THR DA TE OF TillS NOTICR Tak.. this Noticp with yon whfm rOil mppt with thp t:onnseJinf Agpncy The "rime, arlnrpslli: find phonE' nllmhpr of ronsnrnpr CrMit t:nnnspling A.gpn",ips ~prvinf yonr t:onnty are lided lit thp. Phil of this NntiC'p. If yon h!lVP allY qnest:innsr yon mny ('Jln thp PennsylvRniA HOII~inf FinSlnep. Af?p.nQ' ton frpp SIt 1..ROO..:\42..2:\97 (pp.rsons with imp9irPrl h..aring can c.all (717) 7110-111/'i91. This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar assoeiation may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (pENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGffiLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO DHOMEOWNERDs EMERGENCY MORTGAGE ASSISTANCE PROGRAMD EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU IDPOTECA. EXHIBIT A Page 1 of 6 HOMEOWNER'S NAME(S): LOAN ACCT. NO.: ORIGINAL LENDER: CURRENT LENDER: William S. Rhoades _1I!!!!!!~s.,S_tl!!;y____________u___________ 510 Sample Bridge Road _E!!!!!l!,RA1'ZO~5________ ..._._.._.________. _QOQS7'!I<l2li_ .._.__..__._...._...._......_____.______. __Qpt!!!!!Q!!eM.!!!1g!!g.eJ::!!!'Pornp_!!!!.____________________ Wells Fargo Bank Minnesota, National Association as Trustee for Option One Mortgage Loan Trust __2QQ2~A~setllaeke!!Cetli!jeate1'Series_2002_,A___._ PROPERTY ADDRESS: HOMEOWNERDS EMERGENCY MORTGAGE ASSISTANCE PROGRAM VOlT M A. Y RR F,T ,T~mT ,F, FOR FIN A NrT AT, ASSIST A NrR WHTrH rA N SA VR VOlTR HOMR FROM FORF.CT ,OSlTRF, A NO HRT ,P VOlT M A KR FlTTlTRR MORTGAGR PA VMRNTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNEROS EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE OACTO), YOU MAYBE ELIGffiLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, . IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND . IF YOU MEET OTHER ELIGffiILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TRMPORA RV ST A V OF FORRrT ,OSlTRR .- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a Dface-to-faceD meeting with one of the consumer credit counseling agencies listed at the end of this Notice. Tms M\?,F,TING MJ]ST OrrTlR WJTmN THR NF.XT (~O) OA. VS IF YOU DO NOT APPT.Y FOR EMRRGENrV MORTGAGF ASSTSTANrF VOl] MT]ST RRTNG VOlTR MORTGAGF TlPTO DATF THF PARTOFTffiS NOTJ(~F rAT T ED DHOW TO rTTRF YOUR MORTGAGE DEFAIJT TO EXPT ATNS HOW TO RRTNG VOl]R MORTGAGE IlP TO DATE rONSTJMRR rRRDTT rOlJNSRT ,TN~ A~F_Nf'rnS .- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. Thp n~mf" ~nnrp"p, ~nn Idp.phonp nnmhers of ci~~len:1tPci r.nn"nmp:r c.re:nit r.nlln~f>:linE ::Jgf';nc.le~ for th~ rrmnty in which thf> prnpflrty il;;. Inc.AtNl ~rp ",I forth ~t thp pnn of Ihi, Nolicp. It is only necessary to schedule one face-to-face meeting. Advise your lender imm,,(fj~tdy of your intentions. APPUf'ATION FOR MORTGAGF. ASSISTANf'R -. Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Page 2 of 6 Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face- to-face meeting. YOU MllS.I FILE YOUR APPLICATION PROMPTLY. IF YOU FAlL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION -. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO rTTRR VOTTR MORT(;.A(~F, nRFATTLT fRrin[' it lip to dHtP.). NATnRE OF THE ORFAnT.T -- The MORTGAGE debt held by the above lender on your property located at: 510 Sample Bridge Road Enola, P A 17025 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: _M9!!U!lyJ>!!Y.!!!e!!~J)f$15~5~11H!l!:J.!!!YJ,.~@4Jhr!!J.!!!!.!larY_l,~!l1l5.=_$l!!!il!i,~!i__.___.. .MQ!!t!!JyL!!tej;;b!!rges_Qf$_!l!l,J.7.for.J.U!Y.J,.~!!!Hthr!!.Qe!;em~LI,_~!l!l<!.=$~~J~____._ Other charges (explain/itemize): Escrow Advance=$821.32 Suspense Credit=($260.79) _.ASI;!!!!!.!!la~J,!lg_Cbarg~$3.'tJ,1!i...__.__._._.___.... ..TQIAL.MlQUNTJ>ASTmJE:____..__.______._________.__.______.____.___.___.._.._._!I;l :'-IIIiO 17.. B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not n<~ if not aPl'licahle): lSlA HOW TO CnRR THR OEF A III .T -- You may cure the default wilhin THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS !l;12(l(i(\ 17 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. P::.ymp.nt<;; mm:t hI": mflil~ t>ithf':r hy ~::l"h r.::lship.r's r.hf':ck c,p.rtifip.n c.her.k or mOnf':Y moPr m::Jne: p::JYflhlf' ::Inri <;;?nt 10' TJdren T ."W Offi~e. P r Wnnrlrred rorpOr~dp. rp.nt~r 111 W ood~re..t Road, Snite 200 rherry Hill NT 01l00~.~1i20 Yau can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not "." if not applicahl~ ): lSlA Page 3 of6 IF yon DO NOT CTJRF THF. DRF A TJT .T - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, th~ I~ntl~r int~nd. to ~"~rci"" its rirht. to ll('('~I~rllt~ th~ mortgllg~ d~ht This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made wilhin THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to fOrP.('lo~p. npon yonT mortg~gptl propprty L IF THF. MORTGA(~F IS FORF.rl,OSF.D llPON -- The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If YOII ('lIr~ th~ d~fRl1lt within the THIRTY (~()) DA V p~riod YOII will not h~ require,) to pay g.ttC\rney'~ fp.p.s. OTHF,R T .RNOT<:R RRMEOrnS -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If your debt has been discharged in bankruptcy without your having reaffinned it, then lender cannot pursue this remedy. Rlr.HT TO rlJRR THR ORFAIJ1,T PRIOR TO SHRRIFF'S SAI,F -. If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, YOII srill have rhe rifht to ~l1rp. thp: clf':fHll1t ~nrl prp:vf':nt thf': ~alf': at :my tlmf': 11[1 to nm~ hour hpfore the: ~hp:riff's: Salf': YOll m~y nn 1\.0 hy pay;nE thf': total amount thf':n pas:t nllf" [1111" ;my l::ttp: or othP.T r.hare>-s: thpn cine -rf':~s:nn::1hlp. attomp.y', ff':f':" :mcl r.o~t" r.onnP.r.tf':n with the: fOTPclol\lJTf> ,alp. ami ~my nthf':T posts r.onnP.r.tP.n with thf': ~hp.riff'" "::Jlp.::I" ~pp.rifif'cf in writine: hy thf" Jp.nof':r ::Inti h~ }Jf":1fnnnine :my oth~r Tf'qll1Tf'mf'nt" lInneT thf' mnrtE::IEf.. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. RARLlRST POSSffil.F SHERIFF'S SAl.T<: DATR -. It is estimated that the earliest date that such a Sheriff s Sale of the mortgaged property could be held would be approximately (; months from the date of this Notice. A notice of the actual date of the Sheriff s Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO rONT ArT TIm I.RNDRR' Name of LenderlServicer: Address: ._.Qptio!!.Q!!~M...!!rt.l:!!geJ;:QrI!!!r<!ti.QIL___ 4600 Touchton Road E Building 200 Suite 102 J!!~k1iQ!!Yi!le,EL~2M.I.i.__._____ ?f!4~96(i~17JQ.e.~_617~JL...._.____._.._ .J!(i6,~.27:.12(i.L....._......_._.........._..._.... .__.__ __C!!stQmer.Se.n'j~L.._..._......____.__ Phone Number: Fax Number: Contact Person: F.FFRrT OF SHRRIFF'S SA T ,R -- You should realize that a Sheriff s Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff s Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSlJMl'TION OF MORTr.AGR -- You may not lransfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at lhe sale and that the other requirements of the mortgage are satisfied. Page 4 of 6 NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. UDREN LAW OFFICES, P.c. /s/ Mark J. Udren, Esquire W oodcrest Corporate Center 111 Woodcrest Road, Suite 200 Cherry Hill, NJ 08003-3620 (856) 669-5400 Page 5 of 6 VOl) M A V AT .SO H A VR THR RWHT. . TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. . TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. . TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) . TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, . TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. . TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. rONSTJMF.R rRRDTT rOTJNSRT.TNr. Ar.RNrmS SRRVTNr. VOTJR rOTTNTV C:TJMRRRT ,A NO C:OTJNTV CCCS of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, PAl 7102 (717) 541-1757 FAX (717) 54] -4670 Financial Counseling Services of Franklin 31 West 3rd Street Waynesboro, P A 17268 (717) 762-3285 FAX nla Urban League of Metropolitan Harrisburg N. 6th Street Harrisburg, PA 17101 (717) 234-5925 FAX (717) 234-9459 YWCA of Carlisle 30 J G Street Carlisle. PA 170]3 (717) 243-3818 FAX (717) 731-9589 Community Action Comm of the Capital Region ]5]4 Derry Street Harrisburg, PA 17104 (717) 232-9757 FAX (717) 234-2227 Adams County Housing Authority 139-143 Carlisle St. Gettysburg, P A 17325 (717) 334-1518 FAX (717) 334-8326 Pag~ 6 of 6 1 r ~ " --l :;;: o o 0<= ~:;~~ ' m<",;'. ::IJ< :DC' -<c :I:C r= (') ,-:0 . m Z(f)" ~-; 0- 0) -, 0:, 0> 1) (.V,t' -" ) '. " R j 'iJ f, :'\ " ") """ ) I )J ,.l 1 '.') --; m :0 /) ('Q 0\ ;;;. ........ ..!l ..!l :5 -- ---- []'" n- O ---- ru ru --- 0 0 0 0 , e; , ..01..0 n ~ ::r::r m:m ,'- <0'<0 ::2, ::r:: -d --p.. aiel OiD (/7 c:J:C1 >- , ;-<::.~ CJ iCJ /C) U11U1 rn,rn --- <Y 5" r-=I~r-=I -l :Ti.:::t" n ~ C CJ:D n ~ oio ~ f'-f'- 15 C)\ I c(' V) I j() ]' ~ \.....4,. U.S. Postal Service" CERTIFIED MAIL", RECEIPT (Domestic Mall Only; No Insurance Coverage Provided) OFFiCIAL o '23) )'(5 USE Postage $ CertifIed Fee Return Reclept Fee (Endorsement Required) Reetrlcted Delivery Fee (Endorsement Required) Postm"'" He" Total Postage & Fees "1J !" (fJ " 'H 0 '3 ' n ~m '" ~ z ex> a' 3 ~ ~ 3 [ " " 0 0 s. CT n 2 . m " -< D' . '" '" 0 0 ... -..J 0 Cl 0 Cl 3 0 -'= " '" to-' :JJ !P. w " lJ1 , Cl :JJ ~ Cl 0 "S Cl Cl -'= "" W -'= lr Cl ru .Jl lr S m ~ m 6 ~ * ~ ~ 0 0\ 1E ,.. . . . r() )> 0):01:1) "C;:;;'O ~ ;+ ... = 0 :::!.co 0 -:s ". o Dl _:::l 3 3 0 .. :. g. [.; ~"2. I 0 .------ I>- ffi9=-~g::o;S. 1 ~. 0. :;-Ui"(t);; ffi'~ K ~ " ,.- c-;,. 0 gOgQl~Ol 0 c;:) ~' il. _,~ ::s 3 :::!.3 '..-.r::::.- -. a, CD 53. (J) = , !:r ;6'~Ql(ll:"" '<" :::S. "0 c::Jc. { ~st3a.o,!'J "CJ CD CD :;~~~ VJ "0 g CD ~ (ii 0- > ~f*gm-<p r;;;: ;:+0 a~ 00")> !Jl::_:::Ja.~ p N ffi~ go~. C1 ---. ~ 30 (J) (b 0 --.J , e!. F a p.~ --' J 0 i5" < - (\ ~ _ ro ro ro ' ~ ;:d o 00 0 00 ro (Jl ... D~; fj " ~ >< :JJ " .. :JJ 0 -<0. 0 fit 5" J:J S. - m 0 g ~ ~ ::+ g sn~ if IT ~~ il. E.~~~ 0. i~ c- o ~~~-g ~ ~ 0.0. " = ~ . . < ~ &l " 0 g~ , " ~ 9: 0; ~ '" 0. J . 0 ~ 0. . 0., 3 . ~ .!!. ., !:J 3 ~ o '" o 0 .!!. :JJ 0 c- 3 . it ~ ;:: " ~[g, ~ 3 " "S ~ g- o DO a DO 0 ;:: . ~ 0 z ~ 9- )>)> 0 0 0.'" 0 ~ 0 0 0. . . "- . "- 0 <e' 0 0. . 0 .' " 0 . 0 -SOd~ pue SOdY 01 p.SS.lppe lIew uo elqeue'B,oo SI uOlleWIO,U! .I.I.'!IBP 0' sse"e leulalUI -.I.Ilgbul ue 6ul~ew ueqM I! ,ueseld pUB,dlS3S1 slq, eABS :lNY1HOdllll "119W pUB e6B1Sod tmM 19qBI X!UB pue ~ep 'papeeu tOU s! td!809J Hew PSlJRJ90 em uo >tJ8Wl$od 9 JI '6U!)jJ8~od JO, eomo \Sod SLlI 18910 ;, ~!JJB 9L1IIUeS9Jd 8S881d 'pSJJS8P S! ld!9:l9J lleW paUp.l90 elll UO )fJBw\Sod 9 II . , . 'NN8/lf/8upelO/JlS9t:J. luewesJopua eLlI !.DIM eoe!dl!Bw 91.11 ~w JD >IJBIO 9lfi es!^PV 'tUe"""ti8 paZ!JOl.nne s,gesswppe , JO eass9Jppe 94t Ot petO\JlS9J aq iUJw ..u9^!lep '98J. leuOmppa UB JO:;i. 'pwmb9J I sltdl909JUBW p9!11t.l80 JnoJi uo )f.rewtSod esdsn e 'td!a::laJ UJnt8J at'ElO!ldnp e JOI J9A18M &eJ. 'EI eAleoeJ 01 'upEijS8nbatf tdl6081:f wl'It8I:I, G09!dI!8W 9SJOPU3 .1381 8l.U J9AOO.at e~d 81q1~ondcte ppe pue SIO!+lB Sl..(t Ot (......BE UUO.::! Sd) td!909}J wnt9l:1 B LjOqe .pue 9JEltdwoo esa91d 'eolN9S td!9091:! wrqSl:I UI8tqO 0.1 'A18J\!lsp 10 !OOJdepl^OJd at PBlSenb9J aq li,ew ld/SOBl:j Wm6E:1 e 'sel18UOltlPpe ue JO::l . : .I!BW p9J81S!6al::l JO p9Jnsu) Jap!suQO esa8ld 'sslQenl9^ ' JO~ 'I"'~ paY~El() 4l!M 0301^Ot,ld SJ 3ElVt,l3^OO 30N\ltlnSNI ON . 'IIBW I9UO!t8WEqUIIO SS81O".c;ue JOI 8lqelte^B JOU S! new P61P.tJ8::J . : 'dDjleV\l~\.lOIJd JO 8JraVII BSeIO-tsJ!:i 4t!M peu!qwoo eq ^ lNO li,ew IJUV\I peWtJ90 _ :SJ8PU/WBI:I ~UflUodwl SJea,{ GMt JOj 90lAl9S 1B1S0d 9LU,(q u:ls>r A.i8^1I9p 10 pJOO9J V _ 908!dI!BW JnoA. Jopeunuep! enb!un V _ PS Fonn3800, June 2002 (Reverse) tdl90W flU!I!Bw V _ :sap!AOJd lIew pa!l!pa:) II' I i I II --,..,- ) ) , ). -----,_._~'- ('> 0\ cf2 ____ a c ;; ~ ~3 ~~ - ..-J o ~ ~ o~ ~ ~ \'J fJ Pi Q gs ~ J -:5 ~ cD cP % 9 r /.. --r-- :;;, o Oc: Ot"' ()~O '~j :c....,Jo. :x!_.j rn ..e_ jT:'y :JJ .d::.r--'-, ,- :0 0 c.o -< 0 c :I: CJ "' -0 f=:;:J - m 2:0') c...'-' ocr (0,,- 0:: 0' .t.iJ C' ) ) \ l ., .)) q ) rn :0 U.S. Postal Service". CERTIFIED MAIL" RECEIPT (DomestIc Mail Only; No Insurance Coverage ProvIded) ruru 00 m m 00 .lI..J1 ::T '::T mm "'''' , t: ~lJ p- $ CertifIed Fee p- .... -0 rn if ~ ~ 3 ~ ~ (.,J ~ z OJ il' c :::: 3 5. m . " ;r . ~ 2" fir m ;;;- -< lit '" o o ... " o 3 m Ii ". :0 .. ~ W % ,; N ~ ~ ~ 6 N ~ '" ~ c '" ~.v :>-- ..,J CJ CJ -'" ),-' Ul tn CJ __J (------ ~ (P Cl !'-- Co:) g~~~ .s:: ..,. :J ;; 9: ~ o..&~o. ~ ~ _. 3: g CP~~ff~-<, lJJ 0 .s: iil 0."0 ..r: m: III a.:: II> IT' ~ =: ~ CJ ~ olm 0 ~ f pi ~ ru 0-"0 l P ~ ti ~ :0. in' '[- Q' o 3: m <1 " . o " w' m " . ci\J ""'"" , ,,,,,",, .---, o QJH o j (/J ::::5 8' c1 ......;: r::=> ~Jl OS ~. cD ("")' K ~.- ~-2 ~ 00 ~;f . ,.. . . . ?r g;e~ -u;:;:{) o' 0- :::!'3mo ar ::] ~ ::T ~ 3 ):0 _::rt:D,<:: 4;:..-0 g:- m5~g:;;;!a w - c;r CD .., :0 (Jl '" a 0 ~ CD -. i& :::3.g Ql ~ !e. ar c. ;Ci; CD i5'~ R .g o!1l.w a;.... ti.l c:;:] Q.- o:T30'oJ\" CD CD _w CD t:D 1) O":Ta.=::] Ql~CD!;-~a. 3::'\'"g 3l< ~ iiaa~(n~ . g: 5'::3 ft g lD,< 5~.o 3 g CD @ 0 &:. (D (J.-5 "2. ~ ii" ~ il iil' ,m m " '" >< ~ m ~. " C' '< ~ ;p o' ii: ~ 3 ~ ::;:ijj ~ !t JoIJ :f g ~ W~ c. " !1,jK ~ . -< Q, . " c. * ~ ,. & if g3 - .. n :;; p " ;. DO sa. ~.~ " c.. ~ 1i a J* i I .J "I 'SOd~ pUB SOdY 0' p..s"ppe I '; fl.W UO 8/qe"BJle,ou .J uo/,ew.o,u! A..,,,.p 0' .sa~~B ,.U'.,UI I .1A.1/nbu/ ue OUI~ew U.qM I/'u....d pue ,d/.~.. Slq, .,es :lHYLHOdllll I '';.::~ "IJ8W puu e6~od ,",M leqll'1 xme pusl.lOtnap 'papeau IOu 91 td!00SJ :~~~peIJRlao e,," UO >(JUWlSCXf e II -BuPlJeuqsod.lOl soma lSod BtlJ }9 8JO I ~~)lJe:8ij$-iUeieJd -B8B&fO 'paI1S&P SI )dJ909J DeW Il&U!1.lQO 9lU UO >tJ8wt.E1od 811 . ~:J '.,N6A!/BllPf1JO!JIS8l:JK lU8W9'SJOpu9 ifMl.IWtt.9081dll8W 8l4l.)!J8W JO)tJ9!O 94l QSI^PV '(usDa paZfJOlAne S',eess8Jppe ":~b,aesseJppe. BtA at pe~l48aJ aq liuw .AJ8AlISP '98J. 18UOll!Ppe us JO:l. :P! . 'pe.llnbEU .':JBlldt9D9J1I8W p8JJl1.1eo Jne,{ uO}fJ'BWlSOd GsdSn e '1d!BOeJ Wr119J EQeO!ldnp e ~OJ.teAfBM eere 8AIBOaJ oj. ".PB\Senbel::l ~f:f Wf1I61:I 8061d1/BUI9SJopU3 'eeJ i,fi'1Il48AOO <>+86_ _Idde ppe PUl> BJOJlJTl lllll OI!IISC IWO~ Sd) Idl.o.>! 1i\w11l81:l1340BU PUB etelQwCO ese&Kf'eowes ldle:>el::l WlU6l:1 U!BlQo 0.1. 'NeNlsp i1llIOIOOJdepl/IOld 0\ POlS.nIlaJ eq M1uJidt"""li WnIet/ . 'O&j IBUOllIPP'B ue jo~ . ")A, llOW _!fiell 10 peJRSUI_ eseOld '.BJll1lnJ'llll ~. '1101'11' P8!lllJOO _ 0301AOlld SI 3eW3AOO 30NVllnSNI ON . ;i:!:i., 'new fllUOnBW9JUI.JO BSlJIO.we JOl BIq&l!eJ\13lOU SlIf81N peUt+le:) . '\;,~w.A>>JOfJd' JO GiQ8W SS8JO.UU!:i 41lM P9ulqwO:) Bq A"lNO AWl IlBIN J>>)!l1+l90 . .......~.I..I..... '.' .... llJU.~ OMl.lOjOO!NO$ _lllll,(q Ide:::'=:::::::::: ,.:;t,,<.. '-'" ~Jno.(.IOlJ$UAUBPtenb!unv . i!....".~ ':.'.p S'Fonn~3800; June20Q2 (R61181'Se) JdleoBJ fiulllew'rl . ,., .. . :SapIAOJd lIew pa!/11.I9:J :~ ~' . V E R I F I CAT ION Mark J. Udren, Esquire, hereby states that he is the attorney for the Plaintiff, a corporation unless designated otherwise; that he is authorized to take this Verification and does so because of the exigencies regarding this matter, and because Plaintiff must verify much of the information through agents, and because he has personal knowledge of some of the facts averred in the foregoing pleading; and that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief and the source of his information is public records and reports of Plaintiff's agents. The undersigned understands that this statement herein is made subj ect to the penal ties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Mark J. Udren, E Q RE UDREN LAW OFFICES, .C. (? I ~ ~ ...., 1'"11 Q ~ Crt r..J'j Crt I CO tI{ ::'~~ D ~".~ ~ ~ - ~ -~.. .. D ~ -I - -,,' N \~ ~ --L.. - UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF wells Fargo Bank Minnesota, National Association, as Trustee for Option One Mortgage Loan Trust 2002-A Asset-Backed Certificates, Series 2002-A : COURT OF COMMON PLEAS . CIVIL DIVISION : Cumberland County : NO. 05-689 Civil Term plaintiff v. William S. Rhoades Bonnie S. Stacy Defendant PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly mark the above DISCONTINUED WITHOUT PREJUDICE, upon payment of your costs only. Ma<~qui<" UDREN LAW OFFICES, P.C. Attorney for Plaintiff DATED:Februarv 24, 2005 ~ -l\ ~ C'> j':l s; 3' ~ :r- ':3 ~ C.T' d) SHERIFF'S RETURN - NOT SERVED CASE NO: 2005-00689 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND WELLS FARGO BANK MINNESOTA VS RHOADES WILLIAM S ET AL R. Thomas Kline Sheriff , who being duly sworn according to law, says, that he made a diligent search and inq iry for the within named DEFENDANT RHOADES WILLIAM S , to wit: ut was unable to locate Him in his bailiwick. He therefore returns he COMPLAINT - MORT FORE the within named DEFENDANT 510 SAMPLE BRIDGE ROAD ENOLA, PA 17025 , RHOADES WILLIAM S DEFENDANT SAID THAT HE FILED BANKRUPTCY. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 11.10 .00 10.00 .00 39.10 UDREN LAW OFFICE 02/16/2005 Sworn and subscribed to before me this ij _ day of 7If-~~ I:! ' A.D.~., (~ :~''Y ' Prothonotary NOT SERVED , as to _/ CounEV . SHERIFF'S RETURN - NOT SERVED CASE NO: 2005-00689 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND WELLS FARGO BANK MINNESOTA VS RHOADES WILLIAM S ET AL R. Thomas Kline , Sheriff who being duly sworn according to law, says, that he made a diligent search and inq iry for the within named DEFENDANT , to wit: STACY BONNIE S ut was unable to locate Her in his bailiwick. He therefore returns he COMPLAINT - MORT FORE NOT SERVED as to the within named DEFENDANT , STACY BONNIE S 510 SAMPLE BRIDGE ROAD ENOLA, PA 17025 DEFENDANT SAID THAT SHE FILED BANKRUPTCY. Sheriff's Costs: Docketing Service Affidavit Surcharge 6.00 .00 .00 10.00 .00 16.00 So answen3:~y-' / _~ "". ../~ ~--- C R. Thomas Kline Sheriff of Cumberland County ;q-/ UDREN LAW OFFICE 02/16/2005 Sworn and subscribed to before me this 71 day of7'Yf~1; Prothonotary