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Home My WebLink About05-0723 WREN 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 p1eadings@Udren.com Deutsche Bank Trust Company Americas f/k/a Banker's Trust Company, as Trustee and Custodian by: Saxon Mortgage Services, Inc, f/k/a Meritech Mortgage Services, Inc" as its attorney-in-fact 1270 Northland Drive, Suite 200 Mendota Heights, MN 55120 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County v. William C, Bennett a/k/a William C, Bennett, Jr. Shannon L. Bennett 32 Pine Hill Avenue Mechanicsburg, FA 17050 Defendant(s) NO, otJ- ll] ~ 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, FA 17013 717-249-3166 800-990-9108 AV180 Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion, Race falta ascentar una comparencia escrita 0 en persona 0 con un abogado y entregar a la corte en forma escri ta 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 previa aviso 0 notificacion, Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda, Dsted puede perder dinero 0 sus propiedades u otros derechos importantes para usted, LLEVE E8TA DEMANDA A UN ABOGADO 1MMED1ATAMENTE, 81 NO T1ENE ABOGADO o 81 NO T1ENE EL D1NERO SUF1C1ENTE DE PAGAR TAL SERV1C10, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OF1C1NA CUYA D1RECC10N SE ENCUENTRA ESCR1TA ABAJO PARA AVER1GUAR DONDE SE PUEDE CONSEGU1R AS1STENCIA LEGAL. Lawyers Referral Service Cumberland County Bar Association 2 Liberty Avenue 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 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. /sl Mark J. Udren, Esquire Woodcrest Corporate Center 111 W oodcrest 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: Saxon Mortgage, Inc, Assignments of Record to: Deutsche Bank Trust Company Americas f/k/a Banker's Trust Company, as Trustee and Custodian by: Saxon Mortgage Services, Inc, f/k/a Meritech Mortgage Services, Inc., as its attorney-in-fact Recording Date: 08/22/02 Book: 689 Page: 2986 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: 32 Pine Hill Avenue MUNICIPALITY/TOWNSHIP/BOROUGH: Township of Silver Spring COUNTY: Cumberland DATE EXECUTED: 07/26/02 DATE RECORDED: 08/22/02 BOOK: 1769 PAGE: 1499 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, 5, 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 Morcgage as of 02/01/05: Principal of debt due- Unpaid Interest at 10.625%* from 10/01/04 - to 02/01/05 (the per diem interest accruing on this debt is $29,15 and that sum should be added each day after 02/01/05) Title Report Court Costs (anticipated, excluding Sheriff's Sale costs) Escrow Overdraft/(Balance) (The monthly escrow on this account is $198,87 and that sum should be added on the first 'of each month after 02/01/05) $100,159.40 3,614,60 325,00 280,00 1,260.11 Late Charges (monthly late charge of $46,78 should be added in accordance with the terms of the note each month after 02/01/05) NSF Fee BPO Fees Property Inspection Fees Breach Fees Attorneys Fees (anticipated and actual to 5% of principal) . TOTAL 187.12 40,00 56.00 47,70 150,00 5.007,97 $111,154.90 *This interest rate is subject to adjustment as more fully set forth in the Note and Mortgage. 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 $111,154.90 plus interest, costs and attorneys fees as more fully set forth in the Complaint, and for foreclosure and sale of the Mortgaged premises. r / \ I! Ii ~! Mark J. Udr n, ESQUIRE UDREN LAW OFFICES, P.C, Attorney for Plaintiff Attorney I,D, No. 04302 , t r ALL TIIAT CER'I1UN tract of land situate in the 'Ibwnship of Silver Spring, County of 0Jnber1and and State of Pennsylvania, bouru:led and described as follows, to wit: BElJJ:NNJ:m at a point on the South side .of pine Hill Road, at the = of Lot No. 88, as shown on the here:inafter-rrentiORed Plan of Lots; '!HENCE along the Salth side of pine Hill Road, South 33 degrees 48 rnimltes East, 171.42 feet to a point at the comer of Lot No. 90, as shown in the hereiIlafter rrentianed plan of lDts; 'IHElIlCE along said Lot No. 90, South 37 degrees 23 rnimltes 41 seconds West, 197.94 feet.to a point; '!HENCE along otber land of Geo:r:ge W. walker and Mary Alice Walker, his wife (now dedicated as a Township Pa1:k), North 43 degrees 34 mimtes 31 seconds West, 200.00 feet to a point at the comer of Lot No. 88 aforesaid; '!HENCE along said Lot No. 88, North 46 degrees 25 rnimltes 29 seconds East, 224.6 feet to a point on the South side of pine Hill Road aforesaid, the place of BEGJ:NNJ:m. BEIID Lot No. 89 in Section 2, Block C, of White Birch Farms, as shown in the SUbdivision Plan dated Septe1ber 11, 1981, and recorded in the Recorder's Office in and for OJrrberland County, Pennsylvania, in Plan Book 41, Page 54. crJNmINOO .884 acres, rore or less. PARCEL NO. 38-14-0848-056 October 12, 2004 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an Om rial notkt' that tht' mortgllgt' on YOllr homt' i. in Ilt'falllt, anll tht' It'nrler int~ntl~ to foredo~p. ~pp.rific. inform~tion ahout the nSdnTP. ,,(the nefanJt i~ provirlf>;d in thf> attarherl pagt's Tht' HOMFOWNFR'S MORTCiACiR ASSISTANrF PROCiRAM (HRMAP) may he ahlt' to h{'tp to s,!;IVf> yonr borne Thi~ Nntil"'p. Pyp'Rins. how the program wnrk~ To st't' if HRM A P ran help, YOII must MRFT WITH A rONSTTMRR rRRnIT rOTTNSF.UNCi ACiFNrV WITHIN "II fiA VS OF THF. nATR OF THIS NOTIrR Takt' this Notice with YOII when YOII meet wHh tht' rOllnseling Agency The Damp, 9r1c1rp:s.~ anil phone nnmher of ron~lImp.r I'retlit I'onn!ii:p.ling AfPncips. !ii:{'rving: YOllr County aTp. listp:cl at the Phil of this Notirp. If yon hHVP. Rlny qnes.tionsJ YOII may can the Penn!ii:ylvaniR Hnnsing Finani'e Agenry tnll frep: at l-H()f)-142-2~97 f)>ers.ons with impairerl ht'aring ran ral\ (717) 7110-111('9) This Notice contllins 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 associlltion may be able to help you find a lawyer. LA NOTlFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTlNUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENDO DE ESTA NOTlFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (pENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS A.L NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. EXHIBIT A Page loft HOMEOWNER'S NAME(S): William C. Bennett "."S!!!!!!!!Q!!R,J}~!!!!dL. 32 Pine HiU Avenue ""M~!;!l!mk~hy!:g,J>.A17Q55......__ """___ _Jl,,9~!i96_"____""""__""__"___""__"_""__"_"___" ....S!!~Q!!_Mm:tg!!gI'Sl'ryjj;I'L. """_""". " De!!.t~j;!!I'".l!!!!!!L___""""_ PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER: CURRENT LENDER: HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM VOlT M A V RF 1"1 .TGTRI .1". FOR FIN A NrT A I. ASSIST A NrF WHIrH rA N SA VF VOlTR HOMR FROM FORFrT .0SlTRF A NO HFT.P VOlT M A KF FlTTlTRF MORTGAGF P A VMFNT!'\ IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, . IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND . IF YOU MEET OTHER ELIGIBILITY REQillREMENTS ESTABLISHED BY THE PENNSYL VANTA HOUSING FINANCE AGENCY. TFMPORARV STAY OF FORI<TT.OSlTRF - 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 "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MF.RTTNG MTIST OrrlTR WITHIN THF NFXT ('10) OA VS TF YOTl 00 NOT A PPT Y FOR FMFRGFNry MORTGAGF ASSTSTANrF yorl MTlST RRTNG yorfR MORTGAGF TIP TO OATF THF PART OF THIS NOTTCF rAT T FO "HOW TO rTfRF YOUR MORTGAGF OFFATfT T" FXPT ATNS HOW TO . RRTNG YOUR MORTGAGF TIP TO OATF rONSlTMFR rRF.OIT rOlTNSF.T .TNG AGFNrIFS - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names. a,klre"es ann tej".phone nnmhers of rl?~if91::1tp.n r.(m~1Jmp:r C'TP:nlt r.olm~P.llne ::1~nr.lp.l:;. for thp: r,(mnty in whlr.h thp: property ll:;. ]nC:::1tt":n are set forth at the enn of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immeniate1y of your intentions. APpurATTON FOR MORTGAGF ASSISTANrF - 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 Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your Page 2 of 2 Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face- to-face meeting. YOU MTfST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL 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 FlUNG OF A PETITION IN BANKRUPTCY, THE FOLLOWING P ART OF THIS NOTICE IS FOR INFORMA nON PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you bave filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURR YOUR MORTr.Ar.F. nRF A TIT.T (Bring it lip to lIate). NATTJRF OF THF OFFATfT.T - The MORTGAGE debt held by the above lender on your property located at: 32 Pine Hill Avenne Mecbauicsburg, P A 17055 TS SERlOUSL Y IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: .MQ!!th!yJ'>!!yml'!!lsQL$l~}!!,Q~JQLAJ!g!!~lJ~..~!!!!4JhmQj;!Q!!er.J.,..~.!!!!4.....=$J~2Q,QJi".. M!l!!t!!!YL!!teC!!!!r.g!lsQL$.4!!,1!!JQrA!!g!!sU,~Q!!4!b!!!...SePtembI'Ll,JQQ".=..$23,5!!. Otber cbarges (explain/itemize): Otber Fee=$75.00 Accnmulated Late Charges=$46.78 Unapplied Funds={$169.98) NSF Fee=$20.00 ..fmp~IDJ!!sPI'~tiQ!!=$lS,2Q..... "" IQIALAMQJJNIfMiIJ1!J.E.: ""__ __~l771 l2.... B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (00 not llse if not "pplic"hle): lSLA HOW TO nmF THF ORFAT1T.T You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH [S $l771l2 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERlOD. P::Iymenh: mw;:t hp. mHt-lf> p;ithP:T hy (':::\~h C'~",hipr'" C'hpr'k ('f'rtiflen f'hf':f':\c or monf':;Y cmlf>r m~..-tp: p::ly::.hle: :md<;:p.ntto' 11dren I ,HW Offie.p.~, P r W ooclrrpd C:orporatp renter 111 Woocl...rpd Rmul SnitI' 200 Page30f3 r.herry Hill, N.I OROll~-~(\20 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (00 not me if not applieahle ): ~ IF VOlT no NOT ClfRF THF nF.F Am .T -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lentlH intentl. to eYHPi.e it. right. to apeelerate the mortgage deht This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to forpf'lmlp "pon YOIIT mortg~gp.d proPPTQI IF THF MORTCiACiF IS FORFCT ,OSFn lWON The mortgaged property will he 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, iflegal 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 Pllre the defalllt within the THIRTV ~~f\) nA V period yon will not he rp.q"irpff to pay Slftornpy's: fpP!iri: OTHFR l.FNTlF.R RFMFnTFS -- 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 reaffirmed it, then lender cannot pursue this remedy. RTCiHT TO CTfRF THF nFFAIrr.T PRIOR TO SHFRIFF'S SAI,F -- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, yon still hove the right to r:llT~ tl1~ i1P.f~l]lt ::Inil prp.vp.nt thp. <;;;:tlp.::It :my tlmp.l1p to one hOl1r hp.foTP. the Shp.riff'.;:: S:llf': VOl] m;:JY (to ~o hy r:lYln~ thp. tot::!1 ::lmOllnt then p:lst nllt": pl11O;: ;:any htf': or otnPT r:hflt'Ep.s thp.n nut": Tp.:ll::on::lhlp. ::lttoTm'y's. fp.p.o;: ::lno f:os::.f" c:onnpctf'11 with tnf': fOTPr:1oo;:nre s,:l1f': :mn flny otnp.r f':osfs. c:onnf,:dp.n wlth tnf': Slu,:riff'o;: S:llf'::1" "pp.f:1TIe:i1 in writln~ hy thp. If':nrlp.T :mil hy rf':rfonnln~ :my othP.T n:~q)llTp.mp.nt~ llnrlp.T thp. m()rte~ef>, Curing your default in the manner set forth iu this notice will restore yonr mortgage to the same position as if you had never defanlted. FARI.TFST I'OSSIRIF. SHFRIFF'S SAI.F nATR - 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 ofthis Notice. A notice of the actual date of the Sheriffs 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 THF I.FNTlFR: Phone Numher: Fax Number: Contact Person: .s.!!.~!!!!M!!rtg!!gI'S~nicl'~ P.O. Box 161489 .. F!!f.tW!!.rtb...IX...7.!i1l11 ..l:lQQ:!lI'I-251l! Name of LenderlServicer: Address: C!!.sl!!mer..SeD'Jcl'u RFFFCT OF SHFRIFF'S SAl.F -- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. Tf 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. Page 4 of4 ASSTfMPTTON OF MORT(;A(;F: -- You may not transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. Page 5 of5 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 ofit, 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 ofliability 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, r.c. /s/ Mark J. Udren, Esquire Woodcrest Corporate Center 111 Woodcrest Road, Suite 200 Cherry Hill, NJ 08003-3620 (856) 669-5400 Page 6 of 6 VOl) M A V A I .SO HAVE THE RIGHT, . TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. . TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. . TO HAVE TIlE MORTGAGE RESTORED TO THE SAME POSTTION 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 TN ANY CALENDAR YEAR.) . TO ASSERT THE NONEXTSTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LA WSUlT 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. rON,'mMFR rRF.DIT rOTfNSF.T.ING A(;F.NrTRS SFRVING VOTfR rOTfNTY CIfMRERI ANn COIJNTV CCCS of West em Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, P A 17102 (717) 541-1757 FAX (7J7) 541-4670 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 (7 I 7) 234-9459 YWCA ofCarhsle 301 G Street Carlisle, PA 17013 (717) 243-38]8 FAX (717) 731-9589 Community Action Comm of the Capital Region 15 14 Derry Street Harrisburg, PA 17104 (717) 232-9757 FAX (717) 234-2227 Adams County Housing Authority 139-J43 Carlisle SI. Gettysburg, P A 17325 (717) 334-15]8 FAX (717) 334-8326 Page 7 of 7 ___5 8J9H ')!J'aW\B0cI (pallnb9l:lluSWElSJOPIJ3) 9a,:i NehnaQ p9lO1.llS9U (pSJlnbal:llu8W9SJOPU3) sa:! ldel:l9l:1. wlll9l:1 ea:Jp6IJtp&(') (pap!/tOJd a6e.JuAOa a:Juemsu/ ON .(AIUQ I!ew :JUS9WOa) .ldI3::>3k:1 c '11'111/1I G31::1I.lk:l3::> C"'i3:J!AJi3S IBlSOd 's'n .".,,:...~.:::..:;.,::~ .~ <<:1"; ""J: "::::" ,~,'(.,j'~:- .,.:~ll""'; ,. '\fll/Q'?I' ' --:-- dV-'"i''' "...." :::./,.:.)~".,..;...,~ '"'_',.rr1;'" ~i .~... . o. : ,\"'Y'.:f:-';',~' "..'" ...._~,.1iIl.:, , . '" ~ , ......] 'f:'J8 2 '.'i'. i_J? c',.. '1):: -, d\'ih ;5 ~....~ ;'I~.2;:' ~..- -', .,....., ,. ~ '\0 \' ~ "'"' "'"' D D D D -c -c "-' "-' w W lJ1 lJ1 D D D D D D D D "-' "-' '" '" ..1J ..1J tr tr lJ1 lJ1 W w 9 D D '" '" -c -c 0: W t- .2 UWCl o...r:J<(tS (f)~~~ w~ 0 Uccl-"J i:i: a(/) 2 LLa.W - 00:0::::1 ~og:r ~ :3Uo>- t-oo: z<l)~a: WW W ~, a:a:--:z:: Clg::O - -0, :=10 --- 0 - ~ ~ Gertified Mail Provides: , ." rnaWng receipt (as!a>VOJI:JI ?OO<; flUOr '(Joef: WlOj ,; .<\ unique identiiier for your mallplece "J A record of deliv\~ry keot by the Posta! Service for two years important Reminders: -.~ Certified !\Ilail may ONLY be combined with Flrs.t~C!c;.ss Mail,!]., or Pr;ority Me '"' CArtifierl i\ii.<J.H is (lpt available for any class of international maiL 1'.10 INSURANCE COVERAGE IS PROVIDED with Certifierl Mail :m!UHn!e$, pieas8 consider Insured or Re~i5tered 11/1ail. '". For an additional tee, a Return Receipt may be requested to provide proof delivery. To obtain Hetum HeC8lpt servlCe, please complete and attach;] Retu Heceipt IPS Form :.m11) to the .article and add applicable postage to cover \1 fee. Endorse maiJriecs"Reiurn Receipt Requested". To receive a tee waiver j. a dup!H~ate rmum reCEJlp.. a USPS,!?o postmark on your Certified Mall receipt tt'Jql.l\md. .;f For an mjelitional fee, deHvery may be restricted 10 the adijressee addressee's authorized agent Advise the clerk or mark the mailpiece with If endorsement "FlfJSlr/ctedDe{lVery". I II a postmarK Dn the Certifjed Mail receipt is desired, please present the art .-::Ie at the post office lor postmarl(ing. It a postmark on the Certified Me receipt is not ni~Ddcd, detach and affix tabel with postage and mail. IMPORTANT: Save this receipt and present it when making all inquiry. Internet access to delivery information is not available un mail (Iddrflss~rl to l\POs and FPOs. >- a: ~ ::; '" a z o z o i" u '" '" '" 'i: >- \:'! w -' "" '" o <.> ~ ~ . > ~t ii ~~ '" ~~ '0 00 ~ 00 '" " <5 ~ ~ "'] ~ ~ " - . i P .il 11 f%~ 'E ~ 1, ;\; ~~ .~ 1il ~ "0 II . . .~ ifj > .1 ~~ $-=: )( ai ci " 2! & "iii Q) -a -a. . ~ .~ E~~5E 8"--" ,.." o~~~.stri (/)~O"OO~ 4:._ Ul ~~ E C":i ~~ 0 0 Q) -o~-o~.8a.. c,-'O......~" ""o~c ~ . "" - " C'J'Oc:BOm ...:~:~:;~ E'S6~8~ .~~~~'1~ $~:;~~~ Q).- O......t:..... o..~:>-~ 0: c EE'C-SO o "t::: 0.......... (.)~a..tIl-d:O . . . z o ;::: u UJ IJ) Ul i: .... ~ UJ .... l>. :;: o u if. III P Z III (fl . "" ~ ~ ". $ o li 0- r" . ~ . e E q ~ 0. a 0 e ,lj 1l! 0 - oap ~ ~ !l! ! 1~ ~ II ~ \j j ~ '1i) '? 0.... - II) ~~o ~ '" g "0 ~ ~ ~ ~ ~ '1 ~ m ~ "'\ '" CJ en LIl Jl " '" r'l CJ CJ CJ CJ LIl en r'l "' CJ CJ 1"'- .. o g ~ '" ~ s ~ .~ If. 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(peJ\f\b&\d~Il,lOpu;) e&:l~ea~l\S1ilU (p9J-I!'bel:l1\JElUle91OllU'3) e&:I~t:iUlf\l&\i ""''' ","""",,0 \0., <;S' ~ - (( ~ Cm1ilien Mail Provides: 'l3 A mamng recsipt !fJs);Jllal;j) imoa allllf '0088 llHO .~ /\ unique identifier for your mailpiec8 ;ll A record of delivery kept by the- Postal Service for 1'.'10 years imoorlant Remind-grs: 'l'l 'Cartlfied Mail may ONLY be combined with First-Glass Malh) or Priority'" ,~ \:::s(11fled Mall is not available for any class of international maiL :11 NO l!\lSURANCE COVERAGE IS PROVIDED with Cer11fied Mail. '1'lll1ables, please consider Insured or Registered Mail _" For an acJditianalleH, ,J Rsturn Receint may be requestc,;d to provide pro( dellv0ry. Tn obtain netlJrn Receipt seNlce, please complete and attach a Re t1:oexHpf (PS Forrn :m 11} 10 the i"lfiicle e.nd add applicable posiage to r.t'Jver f~9. Endorse ml1l!pl{~ce.'Th.)turn HOG:3lpt Requested". To receive 8 feeW6NeI " LlupIlC!1h~ return reC8lpt, a USF>Sr.p postmark on your Certlfle'Ll Mall recell reQtllffl{!. .4 For an ZldcHlional lee, delivelY may be restricted to 1ha addresset addresse'il'S Cluthorized agent Advise- the clerk or mark Ir,s mailpiece with BliflorSemtmt "RestnGwd Delivery". " If a postmark on ihe Certified Mail receipt is desired, please present the < r:L~ at lhe post office for postmarking. !f a postmark on 1he Certllled I r~cejpt is not nG~lded, detach and affix label with postage and mail. lMPORTAfH; Save this rec3ipt ;;nd present it when making an inquir lnternet access to deliverv information is (1ot available on mail ,l(idressed to APOs amI FPOs_ $ ~ fZ .~ c: jg ~ (0 -u CI ~.:t '0 00 ~ d . 0 j!!z 00 ;;: E ~ ~ 0 E1l ,g . - ~ l~ iJ . J;! j; m W "Or .!!l'" d .. ~ ] c it }; "\l > "0 g a: >< ai CD 8 j! ~ "~ 0. :> = qie;;~ 8.!=~ g,,, "'- g~ cB-:S . ___ 0 - (I) <(!!l:l ~~:!1 ('I) ~l!) 0 0 i>> -g.~-o~! a. tcl~]ii~\1)e C\lo'05~S. ~-g~'$$U) ~:g~~~~ ~ic;~(.t)g .$ 0: ~ 3::i: iu jl~ g,1ii,~;S ~ Ec:E g a 8~6:g;jo . . . B "0 ~ ~ ~ " ::1 ~ " 'f' " "" . ~ .~ J!! \( " 2 1> .~~ "/1; mE d ! "":g d m ,lj a: d ~ 000 f!!. ~ -a 'ffi ~ 1l.~ ~" 8 F'~~~j ~~~~E ~ <:1 if - II .13000 a: .; ~T~ ~ l~ " ~~ :i1 o SI ~ ~ " o ,;, ill N ~ t'- t'- Cl en of l.f1 JI tr .., r'l Cl Cl Cl Cl l.f1 en r'l 1> .~ m a: ~ " a: o 1 .8 :r Cl Cl t'- .. o o 'jl N :a ~ 2 .0 " U. .ll ~ ~ ~ . "' E E g , - Z.J!! .!!! ./1.1 ~~ ~ ~ <Xl '" E o u. C/J 0- oj 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 subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Mark J. Udre UDREN LAW OFF ~~r0 ~~ o r ~~ ~ -J CZ) DO \ u-.. d. ~i" 1'-'') C) C) ,-<:~'. l' S-, (..1' @ -<"1 c',-t C.~~i \ d) - f,':"" C) - SHERIFF'S RETURN - REGULAR CASE NO: 2005-00723 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND DEUTSCHE BANK TRUST COMPANY AM VS BENNETT WILLIAM C ET AL VALERIE WEARY Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon BENNETT WILLIAM C AKA WILLIAM C BENNETT JR th , at 1954:00 HOURS, on the 14th day of February at 32 PINE HILL AVENUE DEFENDANT 2005 MECHANICSBURG, PA 17050 by handing to WILLIAM BENNETT a true and attested copy of COMPLAINT - MORT FORE together w'th and at the same time directing His attention to the contents the eof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 7.40 .00 10.00 .00 35.40 So Answers: p'" /#( .r~o<~,;r~ R. Thomas Kline 02/15/2005 UDREN LAW OFFICES me this Sworn and Subscribed to before 'I day of ~ dO""I---- A.D. 4~7iJ(7~~ L -,0 ?I Proth~ By: ~1 SHERIFF'S RETURN - REGULAR CASE NO: 2005-00723 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND DEUTSCHE BANK TRUST COMPANY AM VS BENNETT WILLIAM C ET AL VALERIE WEARY , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon BENNETT SHANNON L th DEFENDANT , at 1954:00 HOURS, on the 14th day of February 2005 at 32 PINE HILL AVENUE MECHANICSBURG, PA 17050 by handing to WILLIAM BENNETT a true and attested copy of COMPLAINT - MORT FORE together w'th and at the same time directing His attention to the contents the eof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 6.00 .00 .00 10.00 .00 16.00 ra~~".'A ///~ A ~,...:;.fi'--"'-~~'~~>-4c"'~'~ /j ~_...~ , R. Thomas Kline 02/15/2005 UDREN LAW OFFICES Sworn and Subscribed to before By: me this y day o~~ qO=>J -- A.D. -#~.~-<k~)-~ L/ P"r~thonota)l'j1 WREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER J.J.J. WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Deutsche Bank Trust Company Americas f/k/a Banker's Trust Company, as Trustee and Custodian by: Saxon Mortgage Services, Inc. f/k/a Meritech Mortgage Services, Inc., as its attorney-in-fact Plaintiff v. William C. Bennett a/k/a William C. Bennett, Jr. Shannon L. Bennett Defendant ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 05-723-Civil PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly mark the above DISCONTINUED WITHOUT PREJUDICE, upon payment of your costs only. DATED:Julv 6, 2005 ~ Mark J. Udren, Esquire UDREN LAW OFFICES, P.C. Attorney for Plaintiff -() t ,.".-,,--,. -7 '~:; '~-C ,-. ~.'~~~ L-; :2. 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