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HomeMy WebLinkAbout14-1452 Supreme Court of Pennsylvania Courts C011lm0 leas For Prothonotary Use Only: Gi�il'C;overS,heett ; 3t Docket No: CUMBRLAND County The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service of pleadings or other papers as required by law or rules of court. Commencement of Action: S El Complaint OA Writ of Summons J Petition Transfer from Another Jurisdiction Declaration of Taking E C Lead Plaintiff's Name: Lead Defendant's Name: Metro Bank f /k/a Commerce Bank / Harrisburg, N.A. Kenneth W. Heiser and M. Lucinda Heiser, Individually T Dollar Amount Requested: Ow in arbitration limits L Are money damages requested? Q -'es 0 No (check one) utside arbitration limits O N Is this a Class Action Suit? F71 Yes ER No Is this an MDJAppeal? 1 3 Yes El No A Name of Plaintiff /Appellant's Attorney: Marc A. Hess, Esquire Check here if you have no attorney (are a Self - Represented JPro Sel Litigant) Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS .+ Intentional 3 Buyer Plaintiff Administrative Agencies Malicious Prosecution rr- Debt Collection: Credit Card 0 Board of Assessment Motor Vehicle ❑ Debt Collection: Other 0 Board of Elections Nuisance U Dept. of Transportation ® Premises Liability Statutory Appeal: Other S Product Liability (does not include Employment Dispute: mass tort) E : Discrimination m � Slander/Libel/ Defamation J Employment Dispute: Other J Zoning Board C Other: IJ Other: , I U Other: O MASS TORT i=l Asbestos N Li Tobacco Toxic Tort - DES. Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS u Toxic Waste J Ejectment El Common Law /Statutory Arbitration B Other: =1 Eminent Domain /Condemnation Q Declaratory Judgment J Ground Rent 0 Mandamus 0 Landlord/Tenant Dispute Q Non - Domestic Relations - Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABLITY 0 Mortgage Foreclosure: Commercial El Quo Warranto 0 Dental El Partition , -3 R�PLevin Legal +al Quiet Title L4" � r. I- Medical E, Other: E+ Other Professional: Updated 1/1/2011 (t'1:1�� It'iG..y HENRY & BEAVER LLP By: Marc A. Hess Identification No. 55774 937 Willow Street P.O. Box 1140 Lebanon, PA 17042 -1140 (717) 274 -3644 METRO BANK f /k/a COMMERCE IN THE COURT OF COMMON PLEAS BANK / HARRISBURG, N.A., CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff CIVIL ACTION - LAW vs. No. ( 1 - ' `l s c bv; KENNETH W. HEISER and M. LUCINDA HEISER, Individually and Jointly, and KENNETH W. HEISER d /b /a YELLOW BREACHES BOX COMPANY, Defendants 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 I D Ck-I�3asg 12-# W3&6 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 CUMBERLAND COUNTY BAR ASSOCIATION 32 South Bedford Street Carlisle, PA 17013 (717) 249 -3166 or (800) 990 -9108 AVISO Le han demandado a usted en el tibunal. Si usted quiere defenderse de las demandas expuestas en las paginas siguientes, usted debe tomar accion en el plazo de veinte (20) dias a partir de la fecha en que se le hizo entrega de la demanda y la notificacion, al interponer una comparecencia escrita, en persona o por un abogado y registrando por escrito en el tribunal sus defensas o sus objeciones a las demandas en contra de su persona. Se le advierte que si usted no to hace, el caso puede proceder sin usted y podria dictarse un fallo por el juez en contra suya sin notificacion adicional y podria ser por cualquier dinero reclamado en la demanda o por cualquier otro reclamo o desagravio en la demanda solicitado por el demandante. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. USTED DEBE LLEVARLE ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O NO PUEDE CORRER CON LOS GASTOS DE UNO, VAYA O LLAME POR TELEFONE A LA OFICINA EXPUESTA ABAJO. ESTA OFICINA PUEDE POVEERLE INFORMACION RESPECTO A COMO CONTRATAR A UN ABOGADO. 2 - SI NO PUEDE CORRER CON LOS GASTOS PARA CONTRA TAR A UN ABOGADO, ESTA OFICINA PUDIERA PROVEERLE INFORMACION RESPECTO A INSTITUCIONES QUE PUEDA OFRECER SERVICIOS LEGALES A PERONAS QUE CALIFICAN PAR LA REDUCCION DE HONORARIOS O QUE NO TENGAN QUE PAGAR HONORARIOS. CUMBERLAND COUNTY BAR ASSOCIATION 32 South Bedford Street Carlisle, PA 17013 (717) 249 -3166 or (800) 990 -9108 ARC E S - 3 - HENRY & BEAVER LLP By: Marc A. Hess Identification No. 55774 937 Willow Street P.O. Box 1140 Lebanon, PA 17042 -1140 (717) 274 -3644 METRO BANK f /k/a COMMERCE IN THE COURT OF COMMON PLEAS BANK / HARRISBURG, N.A., CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff CIVIL ACTION - LAW vs. No. KENNETH W. HEISER and M. LUCINDA HEISER, Individually and Jointly, and KENNETH W. HEISER d /b /a YELLOW BREACHES BOX COMPANY, Defendants COMPLAINT TO CONFORM CONFESSED JUDGMENT 1. This is an action pursuant to Pennsylvania Rule of Civil Procedure Rule 2981, et seq., to conform a confessed judgment. 2. The Plaintiff is Metro Bank f /k/a Commerce Bank / Harrisburg, N.A., with an office located 3801 Paxton Street, Harrisburg, Pennsylvania 17111. 3. The Defendants Kenneth W. Heiser and M. Lucinda Heiser, individually and jointly, and Kenneth W. Heiser d /b /a Yellow Breaches Box Company, are adult s individuals last known to reside at 1000 Sandbank Road, Mount Holly Springs, Cumberland County, Pennsylvania 17035. 4. On or about February 17, 2006, Plaintiff loaned to the Defendants the sum of Two Hundred Forty Thousand Dollars ($240,000.00) evidenced by a Promissory Note and Commercial Guaranty executed and delivered to Plaintiff by Defendants on or about February 17, 2006 (collectively the "Note and Guaranty ") upon which judgment was confessed to No. 14 -843 Civil in the Court of Common Pleas of Cumberland County, Pennsylvania on February 14, 2014 (the "Confessed Judgment "). 5. The Confessed Judgment was entered in the amount of: Principal Sum Due - $ 158,871.32 Interest to 1/8/2014 - 8,619.96 Late Fees to 1/8/2014 - 2,721.20 Attorney's Commission (10% of unpaid principal and interest) - 16,749.13 Total - $ 186,961.61 Together with interest which continues to accrue at the contract rate after January 8, 2014 and after entry of judgment and until paid in full ($26.478553 per diem), additional late fees as may accrue at the contract rate, additional and reasonable attorney's fees as may be incurred, all amounts expended or advanced by Plaintiff relating to the collateral, together with costs of suit, execution and levy. 6. The Note is secured by Mortgages in and upon the Defendants real properties commonly known as: a. 1000 Sandbank Road, Mount Holly Springs, Cumberland County, Pennsylvania 17065; 2 - b. 830 North West Street, Carlisle, Cumberland County, Pennsylvania 17013. c. 220 -231 East York Road, Carlisle, Cumberland County, Pennsylvania 17013. 7. With respect to the real properties, combined notices were given to Defendants in accordance with Section 403 -C of Pennsylvania Act No. 91 of 1983 (35 P.S. §1680.403(c)) and Act 6 of 1974 (41 P.S. §403), copies of which are attached hereto collectively as Exhibit "A" and incorporated herein by reference. Said notices were mailed on or about October 11, 2013 and October 15, 2013. 8. The current amount due on said obligation is as follows: Principal Sum Due - $ 158,871.32 Force Placed Insurance - 189.00 Interest to 2/28/2014 - 9,971.73 Late Fees to 2/28/2014 - 2,930.60 Attorney's Commission (10% of unpaid principal and interest) - 16.903.20 Total - $ 188,865.85 Together with interest which continues to accrue at the contract rate after February 28, 2014, 2014 and after entry of judgment and until paid in full ($26.510053 per diem), additional late fees as may accrue at the contract rate, additional and reasonable attorney's fees as may be incurred, all amounts expended or advanced by Plaintiff relating to the collateral, together with costs of suit, execution and levy. WHEREFORE, the Plaintiff, Metro Bank f /k/a Commerce Bank / Harrisburg, N.A., requests your Honorable Court to enter judgment in its favor and against the - 3 - Defendants, Kenneth W. Heiser and M. Lucinda Heiser, individually and jointly, and Kenneth W. Heiser d /b /a Yellow Breaches Box Company, in the amount of: Principal Sum Due - $ 158,871.32 Force Placed Insurance - 189.00 Interest to 2/28/2014 - 9,971.73 Late Fees to 2/28/2014 - 2,930.60 Attorney's Commission (10% of unpaid principal and interest) - 16.903.20 Total - $ 188,865.85 Together with interest which continues to accrue at the contract rate after February 28, 2014, 2014 and after entry of judgment and until paid in. full ($26.510053 per diem), additional late fees as may accrue at the contract rate, additional and reasonable attorney's fees as may be incurred, all amounts expended or advanced by Plaintiff relating to the collateral, together with costs of suit, execution and levy, and further, to conform the Confessed Judgment entered to No. 14 -843 in the Court of Common Pleas of Cumberland County, Pennsylvania to the amount of the judgment entered in this action and to merge the judgment in this action with the Confessed Judgment. HENMARA R LLP By: S . D. #55774 937 Willow Street P.O. Box 1140 Lebanon, PA 17042 -1140 (717) 274 -3644 Attorney for Plaintiff - 4 - i METRO BANK f /k/a COMMERCE IN THE COURT OF COMMON PLEAS BANK / HARRISBURG, N.A., CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff CIVIL ACTION - LAW vs. No. KENNETH W. HEISER and M. LUCINDA HEISER, Individually and Jointly, and KENNETH W. HEISER d /b /a YELLOW BREACHES BOX COMPANY, Defendants VERIFICATION I, David M. Chajkowski, being duly affirmed according to law, depose and say that I am a Vice President - Asset Recovery Supervisor of Metro Bank, and that I am authorized to make this Verification on its behalf and that the facts set forth in the foregoing Complaint to Conform Confessed Judgment are true and correct to the best of my knowledge, information and belief. To the extent that any of the averments in the foregoing document are based upon the understanding or application of law, I have relied upon counsel in making this Verification. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. METRO BANK By: !/ David M. Chajkowski Vice President Asset Recovery Supervisor T METRO BANK f /k/a COMMERCE IN THE COURT OF COMMON PLEAS BANK / HARRISBURG, N.A., CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff CIVIL ACTION - LAW vs. No. KENNETH W. HEISER and M. LUCINDA HEISER, Individually and Jointly, and KENNETH W. HEISER d /b /a YELLOW BREACHES BOX COMPANY, Defendants AFFIDAVIT AS TO NON - MILITARY SERVICE AND CERTIFICATION OF LAST KNOWN ADDRESS OF DEFENDANTS AND PLAINTIFF COMMONWEALTH OF PENNSYLVANIA ss. COUNTY OF DAUPHIN Before me the undersigned authority, personally appeared Marc A. Hess of Henry & Beaver LLP, who being duly sworn according to law, deposes and says that upon reasonable investigation to the best of his knowledge and belief the Defendants are not in the active Military or Naval Service of the United States of America and that the last known address of said Defendants is as follows: 1000 Sandbank Road, Mount Holly Springs, Pennsylvania 17035. The address of the above Plaintiff is 3801 Paxton Street, Harrisburg, Pennsylvania 17111. HE P By: AR . HES I.D. #55774 Attorney for Plaintiff Sworn t�oand subscribed to before me iI 01 Is 4 ,, � day of , 4. __4 Notary Public NOTARIAL SEAL PATRICIA LYOUNG, NOTARY PUBLIC CITY OF LEBANON, LEBANON COUNTY MY COMMISSION EXPIRES DECEMBER 17, 2017 7012 30150 0001 4112 2012 6 METR%f i e FIRST - ('L;' .S � S hA." IL r 3801 Paxton Street ,._ Iz/A � t , ; e N K Harrisburg, PA 17111 �" w 11 I ; hn �c,c, j 7012 3050 0001 4112 2012 l Kenneth W. Heiser. 1000 Sandbank Rd. }I v\? Mt. Holly Springs, PA 17065 } R TO SE',N ER W 8C: 171.1.11.41801 * Z57.9 C4.0C 15 -43 17'111@1418 :......- .- .- .,:. +;; ,+m7 *v4i:x!:�!n - c— q'�^r`_- 4-"�., !�,. *#�: "�nua. r re :.,.. . .... '_--r � _ - � ---. —. Vii+,- -vi.;. ?M%- -n .. - �-�r.- :»..- _--.` h . ...,.: . - .:--'- . _... _ i Certified Mail Receipt 47012 3050 0001 4112 2012 October 10 2013 ACT 6/91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM ( HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of the Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1- 800 - 342 -2397. (Persons with impaired hearing can call (717) 780 -1869. This Notice contains important Iegal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a h,vyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. f Kenneth W. Heiser M. Lucinda Heiser 1000 Sandbank Rd. Mt. Holly Springs, PA 17065 Property Address –1000 Sandbank Rd., Mt. Holly Springs, PA 17065 Loan account number – 3308150 Original lender – Metro Bank Current Lender /Servicer – Metro Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT "), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: •IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE —Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to- face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY -THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT ", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES —If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face -to -face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE —Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to the PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICA TION AS SOON AS POSSIBLE IF YO U HA VE A MEETING WITHA COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE ANAPPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARIL Y PREVENTED FROM STARTING A FORECL OSURE A GAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STA Y OF FORECLOSURE' YOU HA VE THE RIGHT TO FILE A HEMAP APPLICA TION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATIONIS EVENTUALLYAPPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION — Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT —The MORTGAGE debt held by the above lender on your property located at: 1000 Sandbank Rd., Mt. Holly Springs, PA 17065 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: March 17, 2013, 52,094.00; April 17, 2013, 4 u $2,094.00; May 17, 2013, $2,094.00; June 17, 2013, $2,094.00; July 17, 2013, $2,094.00; August 17, 2013, $2,094.00; and September 17, 2013, $2,094.00, plus Late Fees of $2,407.10. TOTAL AMOUNT PAST DUE: $ 17,065.10, due $ 10110113. HOW TO CURE THE DEFAULT —You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $17,065.10 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: Metro Bank 3801 Paxton Street P.O. Box 4999 Harrisburg, PA 17111 -0999 IF YOU DO NOT CURE THE DEFAULT —If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON —The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES —The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE —If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff s Sale. `;'ou may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff s Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. 4 a EARLIEST POSSIBLE SHERIFF'S SALE DATE —It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately six months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Metro Bank Address: 3801 Paxton Street, P.O. Box 4999 Harrisburg, PA 17111 -0999 Phone Number: 717 - 412 -6317 Fax Number: (717) 909 -0589 Contact Person: MELISSA AUMAN EFFECT OF SHERIFF'S SALE —You should realize that a Sheriff s Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE —You may or _X_may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. - E YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. ' CONSUMER CREDIT COUNSELING AGENCIES For Cumberland County Advantage Credit Community Action Counseling Service /CCCS of Commission of Capital Western PA Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888 -511 -2227 717- 232 -9757 Housing Alliance of York/ Y Maranatha Housing Resources 43 Philadelphia Avenue 290 West Market Street Waynesboro, PA 17268 York, PA 17401 717- 762 -3285 717- 885 -2752 PathStone Corporation PathStone Corporation 450 Cleveland Avenue 1625 North Front Street Chambersburg, PA 17201 Harrisburg, PA 17102 717- 264 -5913 717- 234 -6616 PA Interfaith Community PHFA Programs Inc. 211 North Front Street 40 E. High Street Harrisburg, PA 17110 Gettysburg, PA 17325 717- 780 -3940 717- 334 -1518 800 - 342 -2397 V r ` 7012 3050 0001 4112 2005 '..:'••..•.. ^'. -'. �+*•. �.:+ uF' 2Y- x�c..: a .'+2 ^..�x- Ar..:.mS^Ylx".SAaan� g(116 T R H asler FIRS S o S '�S ryl '•.IL 3801 Paxton Street A K Harrisburg, 17111 9, 7012 3050 0001 4112 20 p 5 y � 111;1 g.9 PF1 NI. Lucinda Heiser I'V 1000 Sandbank Rd. Mt. Holly Springs, PA 17065 L' 113 .. ` : "T6 0-, `: 1 ,r �., .. ! RETU TO SENDE-R U N C:L AIXF-D ! I U.N AB.,L.E TO F BC: 171..1'! 41801 * 0519- 1 04079-.15-43 1.7111 .ft 418 !. I. fIfff.!!! f !!, {IIi,,I!f!,!!.1li:li! +. {,�,,, Certified Mail Receipt #7012 3050 0001 4112 2005 October 10, 2013 ACT 6/91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM ( HEMAP) may be able to help to save your home. This Notice explains how the program works To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITH_ IN_ _33 DAYS OF THE DATE OF THIS NOTICE Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your C( - .,Mly are listed at the end of the Notice. If you have any questions you may call the Pennsylvania Housing Finance Agency toll free at 1- 800 - 342 -2397. (Persons with impaired hearing can call (717) 780 -1869 This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINA'N'CE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO `HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Kenneth W. Heiser M. Lucinda Heiser 1000 Sandbank Rd, Mt. Holly Springs, PA 17065 Property Address –1000 Sandbank Rd., Mt. Holly Springs, PA 17065 Loan account number – 3308150 Original lender – Metro Bank Current Lender /Servicer – Metro Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE `FACT "), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: *IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE —Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to- face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY -THREE (33) DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES —If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice It is only necessary to schedule one face -to -face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE —Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to the PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE HEMAPAPPLICATION IFYOUHAVEA MEETING WITH A COUNSELING A GENCY WITHIN 33 DA YS OF THE POSTMARK DA TE OF THIS NOTICE AND FILE AN APPLICA TION WITH PHFA WITHIN 30 DA YS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSUREAGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED , TEMPORARY STA Y OF FORECLOSURE': YO U HA VE THE RIGHT TO FILE A HEMAP APPLICA TION EVEN BEYOND THESE TIME PERIODS. ALA TE APPLICA TION WILL NOT PREVENT THE LENDER FROM STARTING A FORECL OSURE A CTION, BUT IF YOUR APPLICATION IS EVENTUALL YAPPRO VED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION — Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (BrinLr it up to date). NATURE OF THE DEFAULT —The MORTGAGE debt held by the above lender on your property located at: 1000 Sandbank Rd., Mt. Holly Springs, PA 17065 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: March 17, 2013, $2,094.00; April 17, 2013, ' $2,094.00; May 17, 2013, $2,094.00; June 17, 2013, $2,094.00; July 17, 2013, $2,094.00; August 17, 2013, $2,094.00; and September 17, 2013, $2,094.00, plus Late Fees of $2,407.10. TOTAL AMOUNT PAST DUE: $ 17,065.10, due $ 10/10/13. HOW TO CURE THE DEFAULT —You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $17,065.10 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to: Metro Bank 3801 Paxton Street P.O. Box 4999 Harrisburg, PA 17111 -0999 IF YOU DO NOT CURE THE DEFAULT —If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON —The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees OTHER LENDER REMEDIES —The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE —If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by paying the total amount then past due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale asspecified in writing by the lender and by erformin any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. i • T EARLIEST POSSIBLE SHERIFF'S SALE DATE —It is estimated that the earliest date that Sheriff's Sale of the mortgaged property could be held would be approximately six monthsfr such a date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to Y e the you before the sale. the Of course, the amount needed to cure the default will increase the longer you wait. You ma any time exactly what the required payment or action will be by contacting the lender. Y find out at HOW TO CONTACT THE tE NDER : Name of Lender. ro Bank Address: 3801 Paxton Street, P.O. Box 4999 Harrisburg, PA 17111 -0999 Phone Number: 717 - 412 -6317 Fax Number: (717) 909 -0589 Contact Person: MELISSA AUMAN EFFECT OF SHERIFF'S SALE —You should realize that a Sheriff's Sale will end our owne rship of the mortgaged property and your right to occupy it. If you continue to live in the property after t Y Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started e the lender at any time. by ASSUMPTION OF MORTGAGE —You _may or _X may not sell or transfer your home to or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges buyer g and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. i YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO DEBT THIS DEBT. O PAY OFF TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING BEHALF. ON YOUR • TO HAVE THE MORTGAGE RESTORED TO THE SAME P O HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER DO NOT O DEFAULT THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN AHAVE N CALENDAR YEAR.) y • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSU PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MO DOCUMENTS. RTGAGE • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO ACTION BY THE LENDER. SUCH • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES For Cumberland County Advantage Credit Community Action Counseling Service /CCCS of Western PA Commission of Capital 2000 Linglestown Road Region Harrisburg, PA 17102 1514 Derry Street 888 -511 -2227 Harrisburg, PA 17104 717- 232 -9757 Housing Alliance of York/ Y Maranatha Housing Resources 43 Philadelphia Avenue 290 West Market Street Waynesboro, PA 17268 York, PA 17401 717 - 762 -3285 717- 885 -2752 PathStone Corporation PathStone Corporation 1625 North Front Street 450 Cleveland Avenue Chambersburg, PA 17201 Harrisburg, PA 17102 7 717- 234 -6616 17 - 264 -5913 PA Interfaith Community PHFA Programs Inc. 211 North Front Street 40 E. High Street Harrisburg, PA 17110 Gettysburg, PA 17325 717- 780 -3940 717-334-1518 800 - 342 -2397 1 ' n 4 1 6 1 Oil 512013 f! Mad er FIRMCLASS ML AN 3801 Paxton Street - 5`0 K Harrisburg, PA 17111 / .a ZIP 171 7012 3050 0001 4112 2241 ����T° � r,1 ; :12r,,;99g }) Kenneth W. Heiser 830 North West St., Carlisle, PA 17013 kVa NIXIE VE RETURN TO SENDER NOT DELIVERASLE AS ADDRESSE UNABLE TO FORWARD v -S /i p SC: 1713-1141801 7 }}7/r @51 —�v4�5 .- ... .. `14.1 �. 1� { I. s . t! }�;�IEi ?ilE..l 'I i Fl lulh`� l �Iij��li� :' {!i( it RETURN URN K 1 1201 ' .. .UTC � kNK 3801 Paxton Street SERVICE Harrisburg, PA 17111 .4 .F ; $.,F Z IP 17111 r 01lD12601 c_ Kenneth W. Heiser 830 North West St., Carlisle, PA 17013 NIXIE 17::x..: FE._1 RETURN i o SENDER 1 P cnSP'YEr - UNABLE TO FORWAR-D � ael t 30 171.x.11=: ` t —Z1 -2 0 • '7 .i! l.... � ..... I:::1 � ''• t...! .. .�:� ! 1 t s 1 4 e f / i } 4 i ! i e i E 3S ;:: i ;; a ; S _, E ;!` ;1 713 Et ;F f S.€ • q Certified Mail Receipt 47012 3050 0001 4112 2241 October 11, 2013 ACT 6/91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on vour home is in default and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM HEMAP ma be able to help to save your home This Notice explains how the program works To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name address and phone number of Consumer Credit Counseling Agencies serving our Count are listed at the end of the Notice. If you have any questions, you may call the Penns lvania Housin Finance Agency toll free at 1 -800- 342 -2397 (Persons with impaired hearing can call (717 ) 780-1869. This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Kenneth W. Heiser M. Lucinda Heiser 1000 Sandbank Rd. Mt. Holly Springs, PA 17065 Property Address – 830 North West Street, Carlisle, PA 17013 Loan account number – 3308150 Original lender – Metro Bank Current Lender /Servicer – Metro Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT "), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: •IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, * IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF F ORECLOSURE —Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to- face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY -THREE 33 DAYS OF THE DATE E OF THIS NOTICE. G IF YOU N O T APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRIN YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES —If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the If may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face -to -face meeting. Advise our lender immediate] of your intentions. y APPLICATION FOR MORTGAGE ASSISTANCE —yon mortg forth later in this Notice (see following g pages for specific informatio about the natwef default.) of def reasons set You have the right to apply for financial assistance from the Homeowne ' . To do so, you must fill out, sign and file a completed lete Homeowner's Emergency s Emergency Mortgage Assistance Program Assistance Program Application with one of the designated consumer cre at the end of this Notice. Only consumer credit counseling d i and they will assist you in submitting a complete a nselin agencies have applications for the program dt counseling agencies listed Agency. To temporarily stop the lender from filing alforeclosureha P Pennsylvania Housing Finance forwarded to the PHFA and received within thirty (30) days of our fa - your application MUST be counseling agency. Y ce to -face meeting with the YOUSHOULD FILE HEMAP APPLICA TIONAS SOONASPOS MEETING WITH CO UNSELING AGENCY WI THIN 33 DAYS OF IF YOU HA VEA THIS NOTICE FILEANAPPLICATION SIBLE. MEETING, THEN THE LENDER WILL T I TEMP THE POSTMARK DATE OF WITHPHFA WITHIN30 DAYS OF THAT FORECLOSUREAGAINST YOUR PROPERTY, A EXPLA YPI ?E NTED FROMSTARTINGA CALLED "TEMPORARYSTAY OF F ORECLOSURE': BOA' IN THE SECTION YOU HA VE THE RIGHT TO FILE A HEMAPAPPLICATION EVE I 'E—�• A LATEAPPLICATION WILL NOT PREVEIVT THELE BEYOND THESE TIME FORECLOSUREACTION, BUT IF YOUR APPLICATIONIS EVEN DER FROMSTARTINGA ANY TIME BEFORE SHERIFF'S SALE, THE FORECLOSURE WILL AT AGENCY ACTION— ILL BE STOPPED. Available funds for emergency mortgage assistance are very limited. The t Housing Finance Agency has sixty (60) days to make a decision after it r Y well be disbursed by the Agency under the eligibility criteria established b During that time, no foreclosure Proceedings will Y he Act. The Pennsylvania ecei You your application. requirements set forth above. You will be notified directly by h Pennsylvania Housing Finance e Penns Iv you have met the time Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FO ATION PURPOSES ONLY AND SHOULD NOT BE CO OF A PETITION IN THE DEBT. AN PTRT CONSIDERED AS AS T M O COLLECT (If you have filed bankruptc P y you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT Brin ' NATURE OF THE DEFAULT —The MORTGAGE it u to date . located at: 830 North West Street, Carlisle, PA 17013 debt held by the above lender on your property IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for and the following amounts are now past due: March 17, 2013, $2,094.00 the 7 g months p r to il 17, 2013, $2,094.00; May 17, 2013, $2,094.00; June 17, 2013, $2,094.00; July 17, 2013, $2,094.00; August 17, 2013, $2,094.00; and September 17, 2013, $2,094.00, plus Late Fees of $2,407.10. TOTAL AMOUNT PAST DUE: $ 17,065.10, due $ 10/10/13. HOW TO CURE THE DEFAULT —You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $17,065.10 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: Metro Bank 3801 Paxton Street P.O. Box 4999 Harrisburg, PA 17111 -0999 IF YOU DO NOT CURE THE DEFAULT —If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon Your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON —The mortgaged property will b e sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES —The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE —If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff s Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. s a l EARLIEST POSSIBLE SHERIFF'S SALE DATE —It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately six months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Metro Bank Address: 3801 Paxton Street, P.O. Box 4999 Harrisburg, PA 17111 -0999 Phone Number: 717- 412 -6317 Fax Number: (717) 909 -0589 Contact Person: MELISSA AUMAN EFFECT OF SHERIFF'S SALE —You should realize that a Sheriff s Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff s Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE —You may or _X_may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. J A YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES For Cumberland County Advantage Credit Community Action Counseling Service /CCCS of Commission of Capital Western PA Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888 -511 -2227 717 - 232 -9757 Housing Alliance of York/ Y Maranatha Housing Resources 43 Philadelphia Avenue 290 West Market Street Waynesboro, PA 17268 York, PA 17401 717- 762 -3285 717- 885 -2752 PathStone Corporation PathStone Corporation 1625 North Front Street 450 Cleveland Avenue Chambersburg, PA 17201 Harrisburg, PA 17102 7 717- 234 -6616 17 - 264 -5913 PA Interfaith Community PIMA Programs Inc. 211 North Front Street 40 E. High Street Harrisburg, PA 17110 Gettysburg, PA 17325 717- 780 -3940 717 - 334 -1518 800 - 342 -2397 t a Y 7012 3050 1 - 0001 4112 2043 FIRST-CLASS MAIL FRO i 10115;21:1113 ANK 3801 Paxton Street Harrisburg, PA 17111 G -� F��..��� - ` azz ZIP 1 111 7012 3050 0001 4112 2043° ;111! 26C'11 999 Kenneth W. Heiser 1000 Sandbank Rd. Mt. Holly Springs, PA 17065 :_ p ;. .. RETURN T S E:tj.DE -R J14f - LA z UNIABL r 0,R WAR D 171111 41801 *85.3- 04069- 15 -.4.3 1 . 7 - _ . _��.•�:,..._ - .. _ � �li!I.�.�.; - �[_ II,. ��; �II�I. �s,; l�l���I�,I�Ir�1�3�,i1�F.a {t Certified Mail Receipt 47012 3050 0001 4112 2043 October 10, 2013 ACT 6/91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mort age on your home is in default and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM HEMAP ma be able to help to save vour home This Notice explains how the program works To see if HEMAP can help you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN. 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name address and hone number of Consumer Credit Counseling Agencies serving our Count are listed at the end of the Notice. If you have any questionsyou may call the Pennsylvania Housin Finance Agency toll free at 1- 800 - 342 -2397. Persons with impaired hearing can call 717 780 -1869. This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGidLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Kenneth W. Heiser M. Lucinda Heiser 1000 Sandbank Rd. Mt. Holly Springs, PA 17065 Property Address – 830 North West Street, Carlisle, PA 17013 Loan account number – 3308150 Original lender – Metro Bank Current Lender /Servicer – Metro Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE `FACT "), YOU MAY BE ELIGIBLE FOP. EMERGENCY MORTGAGE ASSISTANCE: •IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE —Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to- face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY -THREE (33) DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES —If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located ar set forth at the end of this Notice It is only necessary to schedule one face -to -face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE —Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to the PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOONAS POSSIBLE IF YO U HAVE A MEETING WITHA COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE ANAPPLICA TION WITH PHFA WITHIN30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED , TEMPORARY STAY OF FORECLOSURE' YOU HAVE THE RIGHT TO FILE A HEMAP APPLICA TION EVEN BEYOND THESE TIME PERIODS. ALA TE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSUREACTION, BUT IF YOUR APPLICATIONIS EVENTUALLYAPPROVEDAT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION — Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT —The MORTGAGE debt held by the above lender on your property located at: 830 North West Street, Carlisle, PA 17013 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: March 17, 2013, $2,094.00; April 17, 2013, $2,094.00; May 17, 2013, $2,094.00; June 17, 2013, $2,094.00; July 17, 2013, $2,094.00; August 17, 2013, $2,094.00; and September 17, 2013, $2,094.00, plus Late Fees of $2,407.10. TOTAL AMOUNT PAST DUE: $ 17,065.10, due $ 10110113. HOW TO CURE THE DEFAULT —You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $17,065.10 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to: Metro Bank 3801 Paxton Street P.O. Box 4999 Harrisburg, PA 17111 -0999 IF YOU DO NOT CURE THE DEFAULT —If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON —The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees OTHER LENDER REMEDIES —The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE —If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale You may do so by paying the total amount then past due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. f EARLIEST POSSIBLE SHERIFF'S SALE DATE —It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately six months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Metro Bank Address: 3801 Paxton Street, P.O. Box 4999 Harrisburg, PA 17111 -0999 Phone Number: 717- 412 -6317 Fax Number: (717) 909 -0589 Contact Person: MELISSA AUMAN EFFECT OF SHERIFF'S SALE —You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE —You _may or _X_may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF 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. i CONSUMER CREDIT COUNSELING AGENCIES For Cumberland County Advantage Credit Community Action Counseling Service /CCCS of Commission of Capital Western PA Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888-511-2227 717- 232 -9757 Housing Alliance of York/ Y Maranatha Housing Resources 43 Philadelphia Avenue 290 West Market Street Waynesboro, PA 17268 York, PA 17401 717 - 762 -3285 717 - 885 -2752 PathStone Corporation PathStone Corporation 450 Cleveland Avenue 1625 North Front Street Chambersburg, PA 17201 Harrisburg, PA 17102 717- 264 -5913 717- 234 -6616 PA Interfaith Community PHFA Programs Inc. 211 North Front Street 40 E. High Street Harrisburg, PA 17110 Gettysburg, PA 17325 717- 780 -3940 717 -334 -1518 800- 342 -2397 Isla 0 --n I e BANK 3801 Paxton Street - r �6.f `"� Harrisburg, PA 17111 " ;._._ ..F 7012 3050 0001 4112 2258 M. Lucinda Heiser 830 North West St., Carlisle, PA 17013 RET URN TO SENDER ;-%jT vi. 4Ct•.P 17-z L R�. je�4J UNABLE TO FOR C: 17111141$01 * 05: 1 -9- 040 9 -1 5 K - _ 17 111 0a. 4 1. 8 �'} ; }; `�� ll;l li 1 1�133 = I i S . till: 't`�IE'tllf illt�t l;�,ttl�•' al 4 801 ETRO g * is , BANK 3801 Paxton Street Harrisburg, PA 17111 Ri��P4„�UE E l p M. Lucinda Heiser 830 North West St., Carlisle, PA 17013 N .k X 1 — .d.../ z v E i.6 3 R C7 12'.1 / 2. 1. A TTC M Q T'� ('v x — 0.1 k•1 V ht f'c l�P hi 6C: 1- -� - 1 1'7 6S. - i �. .4.T A f:is S { i 0 liifil:illittilll:lili,t7 i:si li PS tViil: i:tltPtl11131771 I'' } : ': I: .It .I to c s t! Itt e[ c s: le , Certified Mail Receipt #7012 3050 0001 41 12 2258 October 11, 2013 ACT 6/91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM ( HEMAP) may be able to help to save your home. This Notice explains how the program works To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and uhone number of Consumer Credit Counseling Agencies serving your County are listed at the end of the Notice. If you have any questions you may call the Pennsylvania Housing Finance Agency toll free at 1 -800- 342 -2397 (Persons with impaired hearing can call (717) 780-1869. This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Kenneth W. Heiser M. Lucinda Heiser 1000 Sandbank Rd. Mt. Holly Springs, PA 17065 Property Address – 830 North West Street, Carlisle, PA 17013 Loan account number – 3308150 Original lender – Metro Bank Current Lender /Servicer – Metro Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT "), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: •IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE —Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to- face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY -THREE (33) DAYS OF THE DATE OF TH NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE, CONSUMER CREDIT COUNSELING AGENCIES —If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face -to -face meeting. Advise your lender immediately of your intentions. � APPLICATION FOR MORTGAGE ASSISTANCE —Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to the PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE HEMAPAPPLICATION SOONAS POSSIBLE IF YOUHAVEA MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DA TE OF THIS NOTICE AND FILE ANAPPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSUREAGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STA Y OF FORECLOSURE' YOU HAVE THE RIGHT TO FILEA HEMAPAPPLICA TION EVEN BEYOND THESE TIME P E R I O D S . A L A TEAPPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATIONIS EVENTUALLYAPPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION — Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (BrinIZ it up to date). NATURE OF THE DEFAULT —The MORTGAGE debt held by the above lender on your property located at: 830 North West Street, Carlisle, PA 17013 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: March 17, 2013, $2,094.00; April 17, 2013, $2,094.00; May 17, 2013, $2,094.00; June 17, 2013, $2,094.00; July 17, 2013, $2,094.00; August 17, 2013, $2,094.00; and September 17, 2013, $2,094.00, plus Late Fees of $2,407.10. TOTAL AMOUNT PAST DUE: $ 17,065.10, due $ 10110113. HOW TO CURE THE DEFAULT —You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $17,065.10 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check certified check or money order made payable and sent to: Metro Bank 3801 Paxton Street P.O. Box 4999 Harrisburg, PA 17111 -0999 IF YOU DO NOT CURE THE DEFAULT —If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON —The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES —The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE —If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by paying the total amount then past due, plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE —It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately six months from the date of this Notice. A notice of the actual date of the Sheriff s Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Metro Bank Address: 3801 Paxton Street, P.O. Box 4999 Harrisburg, PA 17111 -0999 Phone Number: 717 - 412 -6317 Fax Number: (717) 909 -0589 Contact Person: MELISSA AUMAN EFFECT OF SHERIFF'S SALE —You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff s Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE —You _may or _X not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES For Cumberland County Advantage Credit Community Action Counseling Service /CCCS of Commission of Capital Western PA Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888 - 511 -2227 717- 232 -9757 Housing Alliance of YorW Y Maranatha Housing Resources 43 Philadelphia Avenue 290 West Market Street Waynesboro, PA 17268 York, PA 17401 717 - 762 -3285 717- 885 -2752 PathStone Corporation PathStone Corporation 450 Cleveland Avenue 1625 North Front Street Chambersburg, PA 17201 Harrisburg, PA 17102 717- 264 -5913 717 - 234 -6616 PA Interfaith Community pHFA Programs Inc. 211 North Front Street 40 E. High Street Harrisburg, PA 17110 Gettysburg, PA 17325 717- 780 -3940 717 - 334 -1518 800 - 342 -2397 "7012 305❑ 00 4112 2 036 • o Hasler FfRCT -CLA T i �., �� B AN K Harrisburg, A TIE G �a`°` ° 4 1 1 LEP 1 7 012 3050 0 0 01 4112 2 0 3 6 �. M� D! 1 D ' 12 1VI. Lucincla Heiser 1000 Sandbank Rd. Mt. Holly Springs, PA 17065 3 'NIXIE D-E 10 F, E TU RN TO SENDER ILI N �I- -kiM =D UNABLE TO � -OR WARD 3 3C: 1711'1 17 111 (41 4 18 Certified Mail Receipt #7012 3050 0001 41 12 2036 October 10, 2013 ACT 6/91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM HEMAP ma be able to help to save your home. This Notice explains how the program works To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency The name address and phone number of Consumer Credit Counseling Agencies serving our Coant are listed at the end of the Notice. If you have any questions, you may call the Pennsylvania Housin Finance Agency toll free at 1- 800 - 342 -2397 (Persons with impaired hearing can call (717 ) 780-1869. This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINA°: CE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. • 0 Kenneth W. Heiser M. Lucinda Heiser 1000 Sandbank Rd. Mt. Holly Springs, PA 17065 Property Address – 830 North West Street, Carlisle, PA 17013 Loan account number – 3308150 Original lender – Metro Bank Current Lender /Servicer – Metro Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT "), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: •IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE —Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to- face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY -THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES —If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face -to -face meeting. Advise your lender immediately of your intentions. 1 APPLICATION FOR MORTGAGE ASSISTANCE —Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to the PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOUSHOULD FILEA HEMAPAPPLICATION IFYOUHAVEA MEETING WITHA COUNSELING AGENCY WITHIN 33 DA YS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICA TION WITH PHFA WITHIN 30 DA YS OF THA T MEETING, THEN THE LENDER WILL BE TEMPORARIL Y PREVENTED FROM STARTING A FORECLOSURE A GAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STA Y OF FORECLOSURE' YOU HA VE THE RIGHT TO FILEA HEMAP APPLICA TION EVEN BEYOND THESE TIME PERIODS. ALA TE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLYAPPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION — Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT —The MORTGAGE debt held by the above lender on your property located at: 830 North West Street, Carlisle, PA 17013 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: March 17, 2013, $2,094.00; April 17, 2013, $2,094.00; May 17, 2013, $2,094.00; June 17, 2013, $2,094.00; July 17, 2013, $2,094.00; August 17, 2013, $2,094.00; and September 17, 2013, $2,094.00, plus Late Fees of $2,407.10. TOTAL AMOUNT PAST DUE: $ 17,065.10, due $ 10110113. HOW TO CURE THE DEFAULT —You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $17,065.10 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to: Metro Bank 3801 Paxton Street P.O. Box 4999 Harrisburg, PA 17111 -0999 IF YOU DO NOT CURE THE DEFAULT —If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON —The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES —The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE —If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent' revent the sale at any time up to one hour before the Sheriff's Sale You may do so by paying the total amount then past due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by performinany other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE —It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately six months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Metro Bank Address: 3801 Paxton Street, P.O. Box 4999 Harrisburg, PA 17111 -0999 Phone Number: 717- 412 -6317 Fax Number: (717) 909 -0589 Contact Person: MELISSA AUMAN EFFECT OF SHERIFF'S SALE —You should realize that a Sheriffs 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 �y the lender at any time. ASSUMPTION OF MORTGAGE —You _may or _X_may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. w v e YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY -LAW. - CONSUMER CREDIT COUNSELING AGENCIES For Cumberland County Advantage Credit Community Action Counseling Service /CCCS of Commission of Capital Western PA Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888 -511 -2227 717- 232 -9757 Housing Alliance of York/ Y Maranatha Housing Resources 43 Philadelphia Avenue 290 West Market Street Waynesboro, PA 17268 York, PA 17401 717- 762 -3285 717 - 885 -2752 PathStone Corporation PathStone Corporation 450 Cleveland Avenue 1625 North Front Street Chambersburg, PA 17201 Harrisburg, PA 17102 717- 264 -5913 717- 234 -6616 PA Interfaith Community PHFA Programs Inc. 211 North Front Street 40 E. High Street Harrisburg, PA 17110 Gettysburg, PA 17325 717- 780 -3940 717- 334 -1518 800 - 342 -2397 - • SECTION 7Signaht' • . ■ Complete items 1, 2, and 3. Also complete item 4 if Restricte d Delivery is desired. 13 Agent ■ Print your name and address on the reverse 13 Addressee so that we can return, the card to you. Printed Name) C. D e of Delivery ■ Attach this card to the back of the mailpiece, 1 or on the front if space permits. 1. Article Addressed to: D. Is delivery address different from item 1? ❑ Yes If YES, enter delivery address below: ❑ No Kenneth W. Heiser 220 and 231 E. York Road Carlisle, PA. 17013 3. ice Type S 7ertified Mail 13 Express Mail ❑ Registered ❑ Return Receipt for Merohandise ❑ Insured Mail ❑ C.O.D. 4. Restricted Delivery? (Extra Fee) ❑ Yes 2 '' .7012 3050 0001 4112 2234 �S Form, 381.1,, February 2004 ' Domestic Return Receipt 102595 - 02 -M -1540 M ru ru ruts r-a tage Certiti ee r q Postmark- C3 , , Here = C (Endor e s _. Required) C3 A Restrict very Fee p (Endor equired) U1 C3 Tr-' ' - - Kenneth W. Heiser nu Se 220 and 231 E. York Road r-1 Carlisle, PA 17013 p "si (�- or -------- - - - - -- C Certified Mail Receipt 47012 3050 0001 4112 2234 October 11, 2013 ACT 6/91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the len intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRA (HEMAP) may be able to help to save your home This Notice explains how the p w orks. To see if_HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this N otice with you when you meet with the Counseling Agency. The name address and phone number of Consumer Credit Counseling Agencies serving y our County are listed at the end of the Notice If you have any questions you may call the Pennsylvania Housing Finance Agency toll free at 1- 800 - 342 -2397 (Persons with impaired hearing can call (71 780 -1869. This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Kenneth W. Heiser M. Lucinda Heiser 1000 Sandbank Rd. Mt. Holly Springs, PA 17065 Property Address – 220 and 231 E. York Road, Carlisle, PA 17013 Loan account number – 3308150 Original lender – Metro Bank Current Lender /Servicer – Metro Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT "), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: •IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE —Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to- face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY -THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE CONSUMER CREDIT COUNSELING AGENCIES —If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face -to -face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE —Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to the PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICA TION AS SOON AS POSSIBLE IF YO U HA VE A MEETING WITHA COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARIL Y PRE VENTED FR OM STAR TING A FORECLOSURE A GAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE" YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSUREACTION, BUT IF YOUR APPLICATIONIS EVENTUALLYAPPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION — Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT —The MORTGAGE debt held by the above lender on your property located at: 220 and 231 E. York Rd., Carlisle, PA 17013 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: March 17, 2013, $2,094.00; April 17, 2013, f J $2,094.00; May 17, 2013, $2,094.00; June 17, 2013, $2,094.00; July 17, 2013, $2,094.00; August 17, 2013, $2,094.00; and September 17, 2013, $2,094.00, plus Late Fees of $2,407.10. TOTAL AMOUNT PAST DUE: $ 17,065.10, due $ 10/10/13. HOW TO CURE THE DEFAULT —You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $17,065.10 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: Metro Bank 3801 Paxton Street P.O. Box 4999 Harrisburg, PA 17111-0999 IF YOU DO NOT CURE THE DEFAULT —If you do not cure the default within - THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgalzed property. IF THE MORTGAGE IS FORECLOSED UPON —Thd mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES —The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE —If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by paying the total amount then past due plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFFS SALE DATE —It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately six months from the date of this Notice. A notice of the actual date of the Sheriff s Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Metro Bank Address: 3801 Paxton Street, P.O. Box 4999 Harrisburg, PA 17111 -0999 Phone Number: 717 - 412 -6317 Fax Number: (717) 909 -0589 Contact Person: MELISSA AUMAN EFFECT OF SHERIFF'S SALE —You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff s Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE —You may or _X_may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. c YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF 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. 1 - CONSUMER CREDIT COUNSELING AGENCIES For Cumberland County Advantage Credit Community Action Counseling Service /CCCS of Commission of Capital Western PA Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888 -511 -2227 717- 232 -9757 Housing Alliance of York/ Y Maranatha Housing Resources 43 Philadelphia Avenue 290 West Market Street Waynesboro, PA 17268 York, PA 17401 717 - 762 -3285 717- 885 -2752 PathStone Corporation PathStone Corporation 450 Cleveland Avenue 1625 North Front Street Chambersburg, PA 17201 Harrisburg, PA 17102 717 -264 -5913 717- 234 -6616 PA Interfaith Community PHFA Programs Inc. 211 North Front Street 40 E. High Street Harrisburg, PA 17110 Gettysburg, PA 17325 717 - 780 -3940 717 -334 -1518 800- 342 -2397 7012 3050 0001 4112 2074 Fast C— .. �� ,,,,{,� X06 i 6 i BANK Harrisburg, PA 17111 _ 1 Eta ZIP 1 7012 3050 0001 4112 2074 ''���''``" Kenneth W. Heiser 1000 Sandbank Rd. Mt. Holly Springs, PA 17065 v i X1 'c 17 I) E 1021% fF a i' 4111.1 RETURN TO SENDER SC: 17113141301 *0519-04054-15-43 o_ � Certified Mail Receipt #7012 3050 0001 4112 2074 October 10, 2013 ACT 6/91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default and the lender intends to foreclose Specific information about the nature of the default i s p rovided in the at tached pages. The HOME OWNER'S EMERGENCY MORTGAGE ASSISTAN PROGRAM ( HEMAP) may be able to help to save your home This Notice explains ho the progr works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUN _AGENC WITHIN 33 DAYS OF THE DATE OF THIS NOTIC Take this Not ice with you when you meet with the Counseling Agency. The name ad dress and phone number of Consumer Credit Counseling Ag encies serving your County are listed at the end of the Notice If you have any questions You may c all the Pennsylvan Housing Finance Atoll free at 1-800-342-2397. (Persons with impaired hea ring can call (717) 780 -1869. This Notice contains important legal information. If you have any questions, representati) :.s at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Kenneth W. Heiser M. Lucinda Heiser 1000 Sandbank Rd. Mt. Holly Springs, PA 17065 Property Address – 230 and 231 E. York Road, Carlisle, PA 17013 Loan account number – 3308150 Original lender – Metro Bank Current Lender /Servicer – Metro Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT ' YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: •IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, . IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND �ENNSYLVANIA IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE —Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to- face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCC WITHIN THIRTY -THREE (33) DAYS OF TH DAT OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOL,Z MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES —If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and telephone numbers of designate consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face -to -face meeting. Ad vise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE —Your mortgage is in default for the reasc is set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to the PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE HEMAP APPLICA TION SOONAS POSSIBLE IF YOUHAVE,'. MEETING WITHA COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE ANAPPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED , TEMPORARY STAY OF FORECLOSURE YO U HA VE THE RIGHT TO FILE A HEMAP APPLICA TION EVEN BEYOND THESE TIME PERIODS. A L A TEAPPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALL Y APPROVED AT ANYTIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION — Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT —The MORTGAGE debt held by the above lender on your property located at: 230 and 231 E. York Road, Carlisle, PA 17013 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: March 17, 2013, $2,094.00; April 17, 2013, Y $2,094.00; May 17, 2013, $2,094.00; June 17, 2013, $2,094.00; July 17, 2013, $2,094.00; August 17, 2013, $2,094.00; and September 17, 2013, $2,094.00, plus Late Fees of $2,407.10. TOTAL AMOUNT PAST DUE: $ 17,065.10, due $ 10/10/13. HOW TO CURE THE DEFAULT —You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICI : IS $17,065.10 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check, certified check or money order made payable and sent to: Metro Bank 3801 Paxton Street P.O. Box 4999 Harrisburg, PA 17111 -0999 IF YOU DO NOT CURE THE DEFAULT —If you do not cure the default within THIRTY (30; DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON —The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the len:'er even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorne fees. OTHER LENDER REMEDIES —The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE —If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time U to one hour before the Sheriff's Sale. You may do so by paying the total amount then past due plus any late or other charges then due, reaso r-ible at torney's fees and costs connected with the foreclosure sale and any other costs connec with the Sheriff's Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE —It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately six months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Metro Bank Address: 3801 Paxton Street, P.O. Box 4999 Harrisburg, PA 17111 -0999 Phone Number: 717 - 412 -6317 Fax Number: (717) 909 -0589 Contact Person: MELISSA AUMAN EFFECT OF SHERIFF'S SALE —You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff s Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE —You may or _X_may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. J YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES For Cumberland County Advantage Credit Community Action Counseling Service /CCCS of Commission of Capital Western PA Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888 -511 -2227 717- 232 -9757 Housing Alliance of York/ Y Maranatha Housing Resources 43 Philadelphia Avenue 290 West Market Street Waynesboro, PA 17268 York, PA 17401 717- 762 -3285 717- 885 -2752 PathStone Corporation PathStone Corporation 450 Cleveland Avenue 1625 North Front Street Chambersburg, PA 17201 Harrisburg, PA 17102 717- 264 -5913 717 - 234 -6616 PA Interfaith Community PHFA Programs Inc. 211 North Front Street 40 E. High Street Harrisburg, PA 17110 Gettysburg, PA 17325 717- 780 -3940 717 - 334 -1518 800 - 342 -2397 �. • SECTIO • Complete items 1, 2, and 3. Also complete A. Sign ure I Item 4 If Restricted Delivery is desired, ❑ Agent I • Print your name and address orl the reverse X ❑ Addressee so that we can return the Card to you. B. Received. (Printed Name) C. Date of Delivery • Attach this card to the back, of the malipiece, or on the front if space permits. ` 6 D. Is delivery address different from item 1? O Yes 1 t Article Addressed to: If YES, enter delivery address below, ❑ No } M. Lucinda Heiser 220 and 231 E. York Road J Carlisle, PA 17013 3. Service Type 4 Certified Mail ❑ Express Mail ❑ Registered O Return Receipt for Merchandise El Insured Mail E3 C.O.D. - 4. Restricted Delivery? (Extra Fee) ❑ Yes 2. Article N- (Transfer 7012 3050 0001 4112 2227 I PS Form 3811, February 2004 DoMestic Return Receipt 102595-02-M-1540, rnu-j .. • ru _ ru ru u AL 11 Po ge $ i rq iked Fee • st C3 Pomark Recei Fee J ' Here ( :Jent Required) /. Restricted Delivery Fee O (Endorsement Required) / U1 o Total M- Lucinda Heiser M ru Sent7 220 and 231 E. York Road r Carlisle, PA 17013 °-- ----.. C3 Street r� or PO --- ----° City, b Certified Mail Receipt 47012 3050 0001 41 12 2227 October 11, 2013 ACT 6/91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM ( HEMAP) may be able to help to save your home. This Notice explains how the program works To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of the Notice. If you have any questions you may call the Pennsylvania Housing Finance Agency toll free at 1- 800 - 342 -2397. (Persons with impaired hearing can call (717 ) 780 -1869 This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Kenneth W. Heiser M. Lucinda Heiser 1000 Sandbank Rd. Mt. Holly Springs, PA 17065 Property Address – 220 and 231 E. York Road, Carlisle, PA 17013 Loan account number – 3308150 Original lender – Metro Bank Current Lender /Servicer – Metro Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT "), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: •IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE —Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to- face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY -THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT ", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE CONSUMER CREDIT COUNSELING AGENCIES —If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face -to -face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE —Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to the PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE HEMAP APPLICA TION SOONAS POSSIBLE IF YOUHAVEA MEETING WITHA COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE ANAPPLICA TION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THELENDER WILL BE TEMPORARILYPREVENTED FROMSTARTINGA FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED ,, TEMPORARY STA Y OF FORECLOSURE' YO U HA VE THE RIGHT TO FILEA HEMAP APPLICATION EVEN BEYOND THESE TIME P E R I O D S . A L A TEAPPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATIONIS EVENTUALLYAPPROVED AT ANYTIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION — Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT —The MORTGAGE debt held by the above lender on your property located at: 220 and 231 E. York Rd., Carlisle, PA 17013 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: March 17, 2013, $2,094.00; April 17, 2013, i $2,094.00; May 17, 2013, $2,094.00; June 17, 2013, $2,094.00; July 17, 2013, $2,094.00; August 17, 2013, $2,094.00; and September 17, 2013, $2,094.00, plus Late Fees of $2,407.10. TOTAL AMOUNT PAST DUE: $ 17,065.10, due $ 10/10/13. HOW TO CURE THE DEFAULT —You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $17,065.10 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to: Metro Bank 3801 Paxton Street P.O. Box 4999 Harrisburg, PA 17111 -0999 IF YOU DO NOT CURE THE DEFAULT —If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON —The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES —The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE —If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale You may do so by Raying the total amount then past due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE —It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately six months from the date of this 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 CONTACT THE LENDER: Name of Lender: Metro Bank Address: 3801 Paxton Street, P.O. Box 4999 Harrisburg, PA 17111 -0999 Phone Number: 717 - 412 -6317 Fax Number: (717) 909 -0589 Contact Person: MELISSA AUMAN EFFECT OF SHERIFF'S SALE —You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE —You _may or _X_may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES For Cumberland County Advantage Credit Community Action Counseling Service /CCCS of Commission of Capital Western PA Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888 -511 -2227 717 - 232 -9757 Housing Alliance of York/ Y Maranatha Housing Resources 43 Philadelphia Avenue 290 West Market Street Waynesboro, PA 17268 York, PA 17401 717- 762 -3285 717- 885 -2752 PathStone Corporation PathStone Corporation 450 Cleveland Avenue 1625 North Front Street Chambersburg, PA 17201 Harrisburg, PA 17102 717- 264 -5913 717- 234 -6616 PA Interfaith Community PHFA Programs Inc. 211 North Front Street 40 E. High Street Harrisburg, PA 17110 Gettysburg, PA 17325 717- 780 -3940 717 - 334 -1518 800 - 342 -2397 ° b �1 F °S,..r.L_ F 1 )ii5 BA3801 NK Paxton Street Harrisburg, PA 17111 ° � ZIP 1 7012 3050 0001 4112 2067 �� c� '' '1` M. Lucinda Heiser 1000 Sandbank Rd. Mt. Holly Springs, PA 17065 �; R = u R N 0 .S E N D E rN ?" 17111141'801 *0519-04063-15-43 1.7111 @141 s . Certified Mail Receipt #7012 3050 0001 4112 2067 October 10, 2013 ACT 6/91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM ( HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of the Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1- 800 - 342 -2397. (Persons with impaired hearing can call (717) 780 -1869. This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a la,vyer. LA NOTIFICACION EN AD.IUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Kenneth W. Heiser M. Lucinda Heiser 1000 Sandbank Rd. Mt. Holly Springs, PA 17065 Property Address – 230 and 231 E. York Road, Carlisle, PA 17013 Loan account number – 3308150 Original lender – Metro Bank Current Lender /Servicer – Metro Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT "), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: •IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND �ENNSYLVANIA IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE —Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face -to- face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST _OCC WITHIN THIRTY -THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES —If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and telephone numbers of designat consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face -to -face meeting. Advis your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE —Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to the PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICA TION AS SOON AS POSSIBLE IF YO U HA VE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE A GAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE". YOU HA VE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. ALA TE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALL YAPPROVEDA T ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION — Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT —The MORTGAGE debt held by the above lender on your property located at: 230 and 231 E. York Road, Carlisle, PA 17013 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: March 17, 2013, $2,094.00; April 17, 2013, $2,094.00; May 17, 2013, $2,094.00; June 17, 2013, $2,094.00; July 17, 2013, $2,094.00; August 17, 2013, $2,094.00; and September 17, 2013, $2,094.00, plus Late Fees of $2,407.10. TOTAL AMOUNT PAST DUE: $ 17,065.10, due $ 10110113. HOW TO CURE THE DEFAULT —You may cure the default within THIRTY (30) DAYS of we date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $17,065.10 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to: Metro Bank 3801 Paxton Street P.O. Box 4999 Harrisburg, PA 17111 -0999 IF YOU DO NOT CURE THE DEFAULT —If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON —The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES —The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE —If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale 'Vou may do so by paying the total amount then past due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE —It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six months from the date of this Notice. A notice of the actual date of the Sheriff s Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Metro Bank Address: 3801 Paxton Street, P.O. Box 4999 Harrisburg, PA 17111 -0999 Phone Number: .717- 412 -6317 Fax Number: (717) 909 -0589 Contact Person: MELISSA HUMAN EFFECT OF SHERIFF'S SALE —You should realize that a Sheriff s Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff s Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE —You may or _X_may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. w YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES For Cumberland County Advantage Credit Community Action Counseling Service /CCCS of Commission of Capital Western PA Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA 17102 Harrisburg, PA 17104 888-511-2227 717- 232 -9757 Housing Alliance of York/ Y Maranatha Housing Resources 43 Philadelphia Avenue 290 West Market Street Waynesboro, PA 17268 York, PA 17401 717- 762 -3285 717- 885 -2752 PathStone Corporation PathStone Corporation 450 Cleveland Avenue 1625 North Front Street Chambersburg, PA 17201 Harrisburg, PA 17102 717 - 264 -5913 717- 234 -6616 PA Interfaith Community PHFA Programs Inc. 211 North Front Street 40 E. High Street Harrisburg, PA 17110 Gettysburg, PA 17325 717- 780 -3940 717- 334 -1518 800 - 342 -2397 40 Lt('4`0� fz Z'14 FEAR 12 47 0 PEN14s yL.VA NIAN I . HENRY & BEAVER LLP By: Marc A. Hess Identification No. 55774 937 Willow Street P.O. Box 1140 Lebanon, PA 17042 -1140 (717) 274 -3644 BANK f /k/a COMMERCE IN THE COURT OF COMMON PLE LVANIA AS METRO : CUMBERLAND COUNTY, BANK /HARRISBURG, N.A., Plaintiff :CIVIL ACTION -LAW - Z vs. No. , �� % Gut KENNETH W. HEISER and M. LUCINDA HEISER, Individually and Jointly, and KENNETH W. HEISER d /b /a YELLOW BREACHES BOX COMPANY, Defendants PRAECIPE FOR ENTRY OF APPEARANCE Sir, please enter the appearance of Marc A. Hess, of the law firm of Henry & Beaver LLP, 937 Willow Street, P.O. Box 1140, Lebanon, Pennsylvania 17042 -1140, on behalf of Metro Bank. HE ER LP Date: ^N��u , 2014 By A. HE S I.D. #55774 SHERIFF'S OFFICE OF CUMBERLAND ��o����� ~�" "^—"�"" " ~° ="" " "~�~~ ~°" ~°~°"°"����"~°~"�"�=° COUNTY " FI LO UFHL Ronny R Anderson 1:,i7 THE PROTHONOTAR' Sheriff ��m��, Jody SSm�h ~ �~�+ 2014NMR 1 9 PNb 06 Chief Deputy CUMBERLAND COUNTY Solicitor orP)uOFnHEwVE«iFF PENNSYLVANIA Metro Bank f/k/a Commerce , N.A. vs. Kenneth Heiser (et al.) Case Number 2014-1452 SHERIFF'S RETURN OF SERVICE 03/13/2014 05:46 PM - Deputy Dawn Kell, being duly sworn according to law, served the requested Complaint & Notice by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Kenneth Heiser at 1000 Sandbank Rd., Dickinson Twp., Mt. Holly Springs, PA 17065. 04A0-1 DAWN KELL, DEPUTY 03/13/2014 05:46 PM Deputy Dawn Kell, being duly sworn according to law, served the requested Complaint & Notice by handing a true copy to a person representing themselves to be Ken Heiser, Husband, who accepted as "Adult Person in Charge" for M. Lucinda Heiser at 1000 Sandbank Road, Dickinson Township, Mt. Holly Springs, PA 17085. DAWN KELL, DEPUTY SHERIFF COST: $51.91 SO ANSWERS, i6,12_Q_ March 14, 2014 RONN1Y R ANDERSON, SHERIFF (0. CountySuits Sheriff: Theosoft. HENRY & BEAVER LLP By: Marc A. Hess Identification No. 55774 937 Willow Street P.O. Box 1140 Lebanon, PA 17042 -1140 (717) 274 -3644 METRO BANK -f /k/a COMMERCE BANK / HARRISBURG, N.A., Plaintiff FILED - OFFICE OF THE PROTHONOTARY 2014 APR 25 A O CUMBERLAND COUNTY PENNSYLVANIA : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION - LAW vs. : No. 14 -1452 Civil KENNETH W. HEISER and M. LUCINDA HEISER, Individually : and Jointly, and KENNETH W. HEISER : d /b /a YELLOW BREECHES BOX COMPANY, Defendants PRAECIPE FOR ENTRY OF JUDGMENT BY DEFAULT TO THE PROTHONOTARY: Please enter judgment by default in favor of Plaintiff, Metro Bank f /k/a Commerce Bank / Harrisburg, N.A., and against Defendants, Kenneth W. Heiser and M. Lucinda Heiser, individually and jointly,. and Kenneth W. Heiser d /b /a Yellow Breeches Box Company, for their failure to plead to the Complaint in this action within the time required. The Complaint contains a Notice to Defend within twenty (20) days from the 134//v AV' '309191f Lgettie, /made, date of service thereof. Defendants were served with the Complaint on March 13, 2014, and their answer was due to be filed on April 2, 2014. Attached as Exhibit "A" is a copy of Plaintiffs written Notice of Intention to File Praecipe for Entry of Default Judgment which I certify was given in accordance with Pa.R.C.P. 237.1 by regular mail to the Defendants at their last known address on April 7, 2014, which is at least ten (10) days prior to the filing of this Praecipe. To the best of the undersigned's knowledge and belief Defendants are not represented by counsel of record in the within matter. Please enter judgment by default in favor of Plaintiff and against Defendants in the amount of: Principal Sum Due - Force Placed Insurance - Interest to 2/28/2014 - Late Fees to 2/28/2014 - Attorney's Commission (10% of unpaid principal and interest) - Total - $ 158,871.32 189.00 9,971.73 2,930.60 16,903.20 $ 188,865.85 Together with interest which continues to accrue at the contract rate after February 28, 2014, 2014 and after entry of judgment and until paid in full ($26.510053 per diem), additional late fees as may accrue at the contract rate, additional and reasonable attorney's fees as may be incurred, all amounts expended or advanced by Plaintiff relating to the collateral, together with costs of suit, execution and levy, and further, and please conform the Confessed Judgment entered to No„14-843 in the Court of 2 Common Pleas of Cumberland County, Pennsylvania to the amount of the judgment entered in this action and merge the judgment in this action with the Confessed Judgment. HENR°it"- LLP rillarcV By: M'RC ESS 1.D. #55774 937 Willow Street P.O. Box 1140 Lebanon, PA 17042 -1140 (717) 274 -3644 Attorney for Plaintiff HENRY & BEAVER LLP By: Marc A. Hess Identification No. 55774 937 Willow Street P.O. Box 1140 Lebanon, PA 17042-1140 (717) 274-3644 METRO BANK f/k/a COMMERCE : IN THE COURT OF COMMON PLEAS BANK / HARRISBURG, N.A., : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff : CIVIL ACTION - LAW VS. : No. 14-1452 Civil KENNETH W. HEISER and M. LUCINDA HEISER, Individually : and Jointly, and KENNETH W. HEISER : d/b/a YELLOW BREACHES BOX COMPANY, Defendants To: Kenneth W. Heiser 1000 Sandbank Road Mount Holly Springs, PA 17035 M. Lucinda Heiser 1000 Sandbank Road Mount Holly Springs, PA 17035 Kenneth W. Heiser d/b/a Yellow Breaches Box Company 1000 Sandbank Road Mount Holly Springs, PA 17035 Date of Notice: April 7, 2014 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY A I I ORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 South Bedford Street Carlisle, PA 17013 (717) 249 -3166 or (800) 990 -9108 HENR -`AV R LLP AWAINTAIAAlr AR�1'.HES I.D. #55774 937 Willow Street P.O. Box 1140 Lebanon, PA 17042 -1140 (717) 274 -3644 Attorney for Plaintiff By: Name and Address of Sender Marc A. Hess, Esquire ES 4 Henry & Beaver LLP 937 Willow Street P.O. Box 1140 Lebanon, PA 17042-1140 Certificates of Mailing Check type of mail or service: Cer ❑ Adult Signature Required ❑ Adult Signature Restricted Delivery ❑ Certified Mail ❑ Recorded Delivery (International] ❑ COD ❑ Registered ❑ Delivery Confirmation ❑ Return Receipt for Merchandise ❑ Express Mail ❑ Signature Confirmation Affix Stamp Here (If issued asa certificate of mailing or for additional copies of this bill) Postmark and Postmark Date of Receipt Dt',r+'-+1, • #•••Ii , yam •t• T " • •ir ti�rk#-9:( .,.. • , :'. r'i► '1Z�F ri+t': 1,•, +,.; if COD ,fir:, : i AyL -Ad y • , rr s ;jo• t r3=} t9 C Z 02 1 0001776012 Ar3K @EI'DC�rPGgr Fee OS POSt . P Fee $ a1t0tie Fee PITNEY 001.4t APR Fee 07 1 Fee BOwE 2_01 �74 ee Article Number TM Addressee (Name, Street, City, State, & ZIP Code ) Postage g Fee Handling Charge Actual Value if Registered Insured Value Fee 1. Kenneth W. Heiser -1000 Sandbank Road Mount Holly Springs, PA -1"7035 2. M. Lucinda Heiser 1000 Sandbank Road 3. ' Kenneth W. Heiser dlbla Yellow Breaches Box 4. Company 1000 Sandbank Road .Mount. Holly Springs, PA 17035... 5. 6. 7. 8. Total Number of Pieces Listed by Sender 3 Total Number of Pieces ReceiCB at Post �Office l� 5 A Postmaster, Pe ame . : eiving employee) (� Complete by Typewriter, Ink, or Ball Point Pen See Privacy Act Statement on Reverse 4 6 HENRY & BEAVER LLP By: Marc A. Hess Identification No. 55774 937 Willow Street P.O. Box 1140 Lebanon, PA 17042-1140 (717) 274-3644 METRO BANK f/k/a COMMERCE BANK / HARRISBURG, Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION-LAW vs. No. 14-1452 Civil KENNETH W. HEISER and • M. LUCINDA HEISER, Individually : and Jointly, and KENNETH W. HEISER : d/b/a YELLOW BREECHES BOX COMPANY, Defendants To: Kenneth W. Heiser 1000 Sandbank Road Mount Holly Springs, PA 17035 M. Lucinda Heiser 1000 Sandbank Road Mount Holly Springs, PA 17035 Kenneth W. Heiser d/b/a Yellow Breeches Box Company 1000 Sandbank Road Mount Holly Springs, PA 17035 NOTICE OF ENTRY OF JUDGMENT Pursuant to Pa.R.C.P. Rule 236 please be advised that judgment by default in the above proceeding was entered against you on 4,/..71 , 2014, in the amount of: Principal Sum Due - Force Placed Insurance - Interest to 2/28/2014 - Late Fees to 2/28/2014 - Attorney's Commission (10% of unpaid principal and interest) - Total - $ 158,871.32 189.00 9,971.73 2,930.60 16,903.20 $ 188,865.85 Together with interest which continues to accrue at the contract rate after February 28, 2014, 2014 and after entry of judgment and until paid in full ($26.510053 per diem), additional late fees as may accrue at the contract rate, additional and reasonable attorney's fees as may be incurred, all amounts expended or advanced by Plaintiff relating to the collateral, together with costs of suit, execution and levy, and further, and conform the Confessed Judgment entered to No. 14-843 in the Court of Common Pleas of Cumberland County, Pennsylvania to the amount of the judgment entered in this action and merge the judgment in this action with the Confessed Judgment. A copy of the Praecipe for Entry of Judgment by Defqiult is attached hereto. PkOTHONb RY Date: , 2014 C1.111136.-.RI. 1 RI.A/ PENNSYLVANIA ES,u S YL VA NIAt� i` y' HENRY & BEAVER LLP By: Marc A. Hess Identification No. 55774 937 Willow Street P.O. Box 1140 Lebanon, PA 17042-1140 (717) 274-3644 METRO BANK f/k/a COMMERCE : IN THE COURT OF COMMON PLEAS BANK / HARRISBURG, : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff : CIVIL ACTION - LAW vs. : No. 14-1452 Civil KENNETH W. HEISER and M. LUCINDA HEISER, Individually : and Jointly, and KENNETH W. HEISER : d/b/a YELLOW BREECHES BOX COMPANY, Defendants MOTION FOR ORDER PURSUANT TO NO. 407 OF ACT 6 OF 1974 AND Pa.R.C.P. 2981 et seq. COMES NOW, the Plaintiff, Metro Bank f/k/a Commerce Bank / Harrisburg, N.A., by and through its attorneys, Henry & Beaver LLP, and respectfully represents as follows: 1. On February 14, 2014, pursuant to Pa.R.C.P. 2951(b) Plaintiff entered judgment by confession against Defendants in the Court of Common Pleas of Cumberland County, Pennsylvania, docketed at number 14-843 Civil (the "Confessed Judgment") in a sum itemized as follows: Principal Sum Due - Interest to 1/8/2014 - Late Fees to 1/8/2014 - Attorney's Commission (10% of unpaid principal and interest) - Total - $ 158, 871.32 8,619.96 2,721.20 16,749.13 $ 186, 961.61 Together with interest which continues to accrue at the contract rate after January 8, 2014 and after entry of judgment and until paid in full ($26.478553 per diem), additional late fees as may accrue at the contract rate, additional and reasonable attorney's fees as may be incurred, all amounts expended or advanced by Plaintiff relating to the collateral, together with costs of suit, execution and levy. 2. On March 13, 2014, Plaintiff filed a Complaint required by No. 407 of the Act of January 30, 1974, P.L. 13, 41 P.S. §101, et seq., as last amended, and Pa.R.C.P. 2981, et seq. against the Defendants which had attached to the front thereof a Notice to Plead within twenty (20) days and which was docketed to action number 14-1452 Civil (the "Conforming Action"). 3. Defendants were served with the Conforming Action by the Sheriff of Cumberland County on March 13, 2014, and Defendants' answer was due to be filed on or before April 2, 2014. 4. Defendants did not answer the Conforming Action and on April 7, 2014, Defendants were mailed by regular United States mail, postage prepaid, written Notices of Intention to File a Praecipe for Entry of Default Judgment. 5. On April 25, 2014, upon Praecipe of Plaintiff, a default judgment was entered in the Conforming Action against Defendants at Action No. 14-1452 Civil in the Court of Common Pleas of Cumberland County, Pennsylvania in the following amount: Principal Sum Due - Force Placed Insurance - Interest to 2/28/2014 - Late Fees to 2/28/2014 - Attorney's Commission (10% of unpaid principal and interest) - Total - $ 158,871.32 189.00 9,971.73 2,930.60 16,903.20 $ 188,865.85 Together with interest which continues to accrue at the contract rate after February 28, 2014, 2014 and after entry of judgment and until paid in full ($26.510053 per diem), additional late fees as may accrue at the contract rate, additional and reasonable attorney's fees as may be incurred, all amounts expended or advanced by Plaintiff relating to the collateral, together with costs of suit, execution and levy. 6. Pursuant to No. 407 of the Act of January 30, 1974, P.L. 13, 41 P.S., as last amended, and Pa.R.C.P. 2986(a) the Confessed Judgment and the judgment in the Conforming Action shall merge and the Court shall enter an appropriate Order conforming the Confessed Judgment to the Conforming Action judgment. 7. Movant does not believe that any judge of the Court of Common Pleas of Cumberland County, Pennsylvania has previously ruled upon an issue in this matter nor has any judge been assigned hereto. 8. Concurrence of counsel has not been sought as Defendants do not have counsel of record in the within matter. 9. Movant believes and therefore avers that no argument or briefing is necessary in the within matter as the relief requested herein is required by Pa.R.C.P. 2986(a). WHEREFORE, Plaintiff respectfully moves that this Honorable Court conform the Confessed Judgment entered to No. 14-843 Civil in the Court of Common Pleas of Cumberland County, Pennsylvania to the judgment in this Conforming Action with which it has merged pursuant to Pa.R.C.P. 2986(a) so that execution can be had on the conformed confessed judgment and that an Order directing as such be entered in each action. HENRY & BEAVER LLP By: M ° RC A. HESS I.D. #55774 937 Willow Street P.O. Box 1140 Lebanon, PA 17042 (717) 274-3644 Attorney for Plaintiff VERIFICATION I verify that the statements made in this Motion for Order Pursuant to Pa.R.C.P. 2986 are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. HENRY ::EAVERLLP ClAw441. By: il��l �1` ►...�� M'RCA.HE S I.D. #55774 Attorney for Plaintiff CERTIFICATE OF SERVICE I, Lisa I. Fox, of the firm of Henry and Beaver, LLP, do hereby certify that I have forwarded a certified true and correct copy of the within Motion For Order Pursuant To No. 407 Of Act 6 Of 1974 and Pa.R.C.P. 2981 et seq. by regular United States mail, postage prepaid, on a04 Kenneth W. Heiser 1000 Sandbank Road Mount Holly Springs, PA 17035 M. Lucinda Heiser 1000 Sandbank Road Mount Holly Springs, PA 17035 , 2014, to the following: Kenneth W. Heiser d/b/a Yellow Breaches Box Company 1000 Sandbank Road Mount Holly Springs, PA 17035 LISA I. FOX