Loading...
HomeMy WebLinkAbout14-1877 Supreme Court of Pennsylvania Cour�f Com " n Pleas w>!v� 9h For Prothonot L'se O nl y . i ,..c v� Sheet �' J t � CUIv3END,; County Docket No: The information collected on this is Used solely for• court adnrinisn•atioU pnyoses. This form does nor supplement or replace the filing and sen ice of pleadings or• other papers as required by low or rules of court. Commencement of Action: ® Complaint ❑ Writ of Summons ❑ Petition S ❑ Transfer from Another Jurisdiction El Declaration of Takin E Lead Plaintiffs Name: Lead Defendant's Name: C CitiMortgage, Inc., successor by merger to ABN Thomas Schlusser a/k/a Thomas G. Schlusser, et al T AMRO MORTGAGE GROUP, INC. I Dollar Amount Requested: within arbitration limits O Are money damages requested. Yes No (check one) ❑ outside arbitration limits N Is this a Class Action Suit? ❑ Yes ® No Is this an MDJ Appeal? ❑ Yes ® No A Name of Plaintiff/Appellant's Attorney: Robert W. Williams, Esquire ❑ Check here if you have no attorney (are a Self. - Represented [ Se] Litigant) Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your ! PRIMARY CASE. If you are making more than one type of claim, check the one that y ou consider most im ortant. TORT (do not include Mass Tort) CONTRACT (do not include judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution El Motor Vehicle El Debt Collection: Credit Card ❑Board of Assessment ❑ Nuisance ❑ Debt Collection: Other ❑ Board of Elections ❑ Premises Liability ❑ Dept. of Transportation ❑ Product Liability (does not include ❑ Statutory Appeal: Other mass tort) ❑ Employment Dispute: S El Slander /Libel /Defamation Discrimination ❑ Other: ❑ Employment Dis ute: Other E p El Zoning Board C ❑ Other: T MASS TORT I ❑ Asbestos ❑ Other: 0 ❑ Tobacco N ❑ Toxic Tort — DES ❑ Toxic Tort — Implant REAL PROPERTY MISCELLANEOUS B ❑ Toxic Waste ❑ Ejectment El Common Law /Statutory Arbitration ❑ Other: ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment ❑ Ground Rent ❑ Mandamus ❑ Landlord/Tenant Dispute ❑ Non - Domestic Relations PROFESSIONAL LIABILITY ® Mortgage Foreclosure: Residential Restraining Order ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto ❑ Dental ❑ Partition ❑ Replevin ❑ Legal ❑ Quiet Title ❑ Other: ❑ Medical ❑ Other: ❑ Other Professional: PENNSYLVANIA BULLETIN, VOL. 42, NO. 13, MARCH 31, 2012 MILSTEAD & ASSOCIATES LLC By: Robert W. Williams, Esquire `) � ID No. 315501; f "A , 1 E. Stow Road ' A ?fi I i' 07 Marlton, NJ 08053 d� "`l,�/ COUNT y (856) 482 -1400 1 �P Attorney for Plaintiff $ YL I File: 88.32616 CitiMortgage, Inc., successor by merger to j COURT OF COMMON PLEAS ABN AMRO Mortgage Group, INC., CUMBERLAND COUNTY 1000 Technology Drive O'Fallon, MO 63368, ' ! Plaintiff, Case No.: VS. t CIVIL ACTION MORTGAGE Thomas Schlusser a/k/a Thomas G. Schlusser, FORECLOSURE 2 Shea Court Carlisle, PA 17013, and Michelle Schlusser a/k/a Michelle M. Schlusser, 2 Shea Court Carlisle, PA 17013, Defendant(s). S 0 NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 717- 249 -3166 800- 990 -9108 NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT 1. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 2. Unless you dispute the validity of this debt, or any portion thereof, within 30 days after receipt of this notice, the debt will be assumed to be valid by our offices. 3. If you notify our offices in writing within 30 days of receipt of this notice that the debt, or any portion thereof, is disputed, our offices will provide you with verification of the debt or copy of the Judgment against you, and a copy of such verification or judgment will be mailed to you by our offices. MILSTEAD & ASSOCIATES, LLC By: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482 -1400 Attorney for Plaintiff File: 88.32616 CitiMortgage, Inc., successor by merger to COURT OF COMMON PLEAS ABN AMRO Mortgage Group, INC., CUMBERLAND COUNTY 1000 Technology Drive O'Fallon, MO 63368, Plaintiff, Case No.: VS. CIVIL ACTION MORTGAGE Thomas Schlusser a/k/a Thomas G. Schlusser, FORECLOSURE 2 Shea Court Carlisle, PA 17015, and Michelle Schlusser a/k/a Michelle M. Schlusser, 2 Shea Court Carlisle, PA 17015, Defendant(s). COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, CitiMortgage, Inc., successor by merger to ABN AMRO Mortgage Group, Inc. (the "Plaintiff"), is registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at 1000 Technology Drive, O'Fallon, MO 63368. 2. Defendants, Thomas Schlusser A/K/A Thomas G. Schlusser and Michelle Schlusser A/K/A Michelle M. Schlusser, (collectively, the "Defendants "), are adult individuals and are the real owners of the premises hereinafter described by virtue of a Deed dated March 20, 1996, recorded April 22, 1996, in Deed Book 137, Page 1111, Instrument 1996 - 010274. The Deed is attached hereto as Exhibit "A" and made a part hereof. File No. 88.32616 3. Defendant Thomas Schlusser A/K/A Thomas. G. Schlusser, upon information and belief, resides at 2 Shea Court, Carlisle, PA 17015. Defendant Michelle Schlusser A/K/A Michelle M. Schlusser, upon information and belief, resides at 2 Shea Court, Carlisle, PA 17015. 4. On August 1, 2002, in consideration of a loan in the principal amount of $232,000.00, the Defendants executed and delivered to ABN AMRO Mortgage Group, Inc., a note (the "Note ") with interest thereon at 6.250 percent per annum, payable as to the principal and interest in equal monthly installments of $1,428.46 commencing October 1, 2002. The Note is attached hereto as Exhibit `B" and made a part hereof. 5. To secure the obligations under the Note, the Defendants executed and delivered to ABN AMRO Mortgage Group, Inc., a mortgage (the "Mortgage ") dated August 1, 2002, recorded on .August 21, 2002, in the Department of Records in and for the County of Cumberland under Mortgage Book 1769, Page 0866. The Mortgage is attached hereto as Exhibit "C" and made a part hereof. 6. The Mortgage secures the following real property (the "Mortgaged Premises "): 2 Shea Court, Carlisle, PA 17015. A legal description of the Mortgaged Premises is attached hereto as Exhibit "D" and made a part hereof. 7. The Defendants are in default of their obligations pursuant to the Note and Mortgage because payments of principal and interest due September 1, 2013, and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become due and payable forthwith together with late charges, escrow deficit (if any) and costs of collection including title search fees and reasonable attorney's fees. 8. The following amounts are due on the Mortgage and Note: Principal Balance $ 186,429.84 Accrued but Unpaid Interest from August 1, 2013 to March 1, 2014 $ 6,796.93 Accumulated Late Charges $ 499.94 Less Escrow Balance $(687.74 File No. 88.32616 Servicing Fees: $ 82.50 Reconveyance $ 12.00 Release Fee $ 55.50 Returned Payment Charge $ 15.00 TOTAL as of March 1, 2014 $ 193,121.47 Plus, the following amounts accrued after March 2, 2014: Interest at the Rate of 6.250 percent per annum ($31.92 per diem); Late Charges per month .if applicable. 9. Plaintiff has complied fully with Act No. 91 (35 P.S.1 680.401(c) of the 1983 Session of the General Assembly ("Act 91 ") of the Commonwealth of Pennsylvania, by mailing to the Defendants at 2 Shea Court, Carlisle, PA 17013 on January 10, 2014, the notice pursuant to § 403 -C of Act 91, and the applicable time periods therein have expired. The Act Notices are attached hereto as Exhibit `B" and made apart hereof. WHEREFORE, Plaintiff demands an in rem judgment against the Defendants for foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 8, namely, $193,121.47, plus the following amounts accruing after March 2, 2014, to the date of judgment: (a) interest of $31.92 per day, (b) late charges per month if applicable, (c) plus interest at the legal rate allowed on judgments after the date of judgment, (d) additional attorney's fees (if any) hereafter incurred, (e) and costs of suit. MILSTEAD & ASSOCIATES, LLC Date: Robert W. Williams, Esquire Attorney for Plaintiff File No. 88.32616 VERIFICATION Adam Millay, hereby states that he is employed as a Vice President — Document Control of CitiMortgage, Inc., successor by merger to ABN AMRO Mortgage Group, Inc., the Plaintiff in this matter, and is authorized to make this Verification. The statements of fact contained in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of my information and belief. I understand that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904relating to unsworn falsification to authorities. AFFIANT: By. Print: Adam Milla Title: Vice President — Document Control employed by CitiMortgage, Inc. Plaintiff. CitiMortgage, Inc., successor by merger to ABN AMRO Mortgage Group, Inc. Date: File No. 88.32616 Borrower Names: Thomas Schlusser A/K/A Thomas G. Schlusser Michelle Schlusser A/K/A Michelle M. Schlusser File No. 88.32616 r � EXHIBIT 9 9 File No. 88.32616 I ,'� I\ IIYO \MTMILi \0lYtlL.WI\ilii IO.DiI Parcel4 46 -08- 0585 -064 THIS DEED 99 ^�1h MADE THEL,SJ day of Art:h in the year of our Lord one thousand nine hundred ninety -six (1996). BETWEEN RAYMOND E. DIEHL and GENEVIEVE A. DIEHL, husband and wife, and DONALD E. DIEHL and SUZANNE DIEHL, husband and wife, all of South Middleton Township, Cumberland County, Pennsylvania, hereinafter referred to as: Grantors, and THOMAS G. SCHLUSSER and MICHELLE M. SCHLUSSER, husband and;wife, of 2047 Walnut Bottom Road, Carlisle, Cumberland County, Pennsylvania, hereinafter referred to as: Grantees, WITNESSETH, that in consideration of THIRTY -TWO THOUSAND NINE 1-IUNDRED AND XX/100 ($32,900.00) Dollars in hand paid, the receipt whereof is hereby acknowledged, the said Grantors do hereby grant and convey to the said Grantees, their heirs and assigns: ALL THAT CERTAIN lot of land situate in West Pennsboro Township, Cumberland County, Pennsylvania, bounded and described according to Final Subdivision Plan for Phase Nos. 1 and 4 of Andrew Manor, prepared by Stephen G. Fisher, P.L.S., dated December 6, 1991, revised February 24, 1992 and recorded in Cumberland County Plan Book 64, Page 22, as follows, to wit: BEGINNING at a point in the western right -of -way line of Shea Court at the southeastern corner of Lot No. 23 as set forth on the above - referred -to Plan; thence along said Lot No. 23 North 26 degrees 03 minutes 16 seconds West 430.34 feet to a point in line of lands now or formerly of Mark L, Clouser, thence along lands now or formerly of Mark L. Clouser South 76 degrees 39 minutes 49 seconds East 164.17 feet to a point; thence continuing along lands now or formerly of Mark L. Clouser North 13 degrees 20 minutes I1 seconds East 175,00 feet to a point; thence continuing along lands now or formerly of Mark L. Clouser North 13 degrees 20 minutes I 1 seconds East 24.59 feet to a point in the centerline of Clay Road (T -443); thence along said centerline of Clay Road (T -443) South 76 degrees 18 minutes 39 seconds East 199.95 feet to a point; thence along the right -of -way of Clay Road (T- 443) South 12 degrees 44 minutes 43 seconds West 21.29 feet to a point; thence along said Shea Court on a line curving to the right having a radius of 25.00 feet and an arc distance of 39.43 feet to a point; thence along the right -of -way of said Shea Court South 13 degrees 07 minutes 22 seconds West 189.67 feet to a point; thence BOX 137 ovi111 -- ... ... .. ..................... continuing along die right -of -way of said Shea Court on a line curving to the right having a radius of 426.05 feet and an arc distance of 325.34 feet to a point, the place of BEGINNING. BEING Lot No. 24 on Final Subdivision Plan for Phase Nos. 1 and 4 of Andrew Manor and containing 2.71 acres gross area and 2,60 acres net area. BEING a portion of the premises which Eber A. Barrick and Katherine Barrick, husband and wife, by Deed dated May 13, 1993, in the Office of the Recorder of Deeds in and for Cumberland County in Deed Book "G ", Volume 36, Page 1176, granted and conveyed unto Raymond E. Diehl and Genevieve A. Diehl, husband and wife, and Donald E. Diehl and Suzanne Diehl, husband and wife, Grantors herein. THE ABOVE - described lot of ground is conveyed under and subject, nevertheless, to the following building and use restrictions which shall be binding on the within described tract of land only, and shall not be deemed binding on other land of the party of the first part, with which building and use restrictions the within party of dte second part, their heirs and assigns, by acceptance of this deed, agree to comply: L. This tract of land shall be used for residential purposes only. No business (except home occupations), commercial or industrial uses whatsoever shall be permitted on this tract of land. 2. No trailer, mobile home or similar structure may be located on this tract of land temporarily or permanently, for any use whatsoever. 3. No basement tent, shack, garage, barn or structure of a temporary character shall be erected on this tract of land and used as a residence either temporarily or permanently. 4. No advertising or display sign (except home occupation sign) shall be erected or maintained on this tract of land other than the customary "For Rent" and "For Sale" signs when the same pertain to the premises on which they are located. One home occupation sign shall be permitted but shall not be larger than six (6) inches by eighteen (18) inches. 5. Nothing shall be done on this tract of land which may be or become an annoyance or nuisance to the neighborhood. 6. No house or other structure shall be erected, placed, modified or altered on any building plot in the within described development until the building plans, specifications and plot showing the location of such building have been approved in writing by Donald E. Diehl, his heirs, executors or assigns, as to conformity and harmony of external design with existing structures in This subdivision and as to locatiun of the building with respect to topography and finished ground elevation, and as to quality of construction and materials. In the event such building plans, specifications and plot plan have not been approved within thirty (30) bOOK 137 rtctiii2 days after the same have been submitted, or, in any event, if no suit to enjoin the erection of any building, or the making of any alterations has been commenced prior to the completion thereof such approval will not be required and this covenant will be deemed to have ben fully complied with. No accessory structure, including but not limited to swimming pools and storage sheds, shall be erected, placed, modified or altered on any building lot in the within described development until the building plans, specifications and plot plan showing the location of such accessory structure shall have been approved in the manner as set forth in this paragraph. 7. All construction and landscaping shall be completed within one (1) year of the commencement of such construction. 8. The within covenants and restrictions shall run with the land and shell be binding on all parties and all persons claiming under them. 9. The ground floor living area ofthe main dwelling house, exclusive of porches, patios and garages, shall be not less than 1,400 square feet of a one -story dwelling (excluding basement) and the total living area of any dwelling house exceeding one story exclusive of porches, patios and garages, shall be not less than 1,800 square feet 10. All dwellings constructed, erected or placed on a lot shall have a garage which shall be erected at the same time as the dwelling house. 11. Outside fuel or gas tanks must be placed underground and none may be exposed. 12. All utility lines servicing any lot in the development shall be buried and placed underground, 13. Shade trees shall be planted and maintained on each lot along a set- back line located five (5) feet from the dedication right -of -way line of any street or road in a minimum quantity raiio of one for every (50) feet of road frontage. Trees must be planted within one (1) year after purchase of lot. 14: No unlicensed vehicles shall be allowed on any streets or lots. 15. The unimproved portions of any lot shall be maintained at all times and all owners or occupiers of lots shall keep the same free of weeds or other objectionable growth, and in good order. 16. No rubbish may be dumped at any place in the development, and all such material must be removed from the development. 17. Invalidation of any of these covenants by judgment or court order shall in no way effect any of the other provisions which shall remain In full force and effect. bOUK 137 rACEW3 r i 18. Free standing television and radio towers must be at least eighty (80) feet from the right -of -way centerline and conform to the Township set -backs for buildings. Satellite dish type antennas must either be of wire mesh (sec - through) type, painted black, or shall be screened with natural vegetation and must conform to the Township set -backs for buildings. 19. No animals other than household pets and/or horses shall be permitted on any lots. AND the said Grantors hereby covenant and agree that they will warrant specially the property hereby conveyed. IN W17NESS WHEREOF, said Grantors have hereunto set their hands and seals the day and year first above written. SIGNED, SEALED AND DELIVERED IN THE PRESENCE OF T I Gr✓ (SEAL) ! mond E. Diehl t2G' 4 j-- 6 - _ t f- F}- --- : �_ if (SEAL) Donald E. Diehl The spouses of the Grantors herein join hereby in the within conveyance solely for the purpose of releasing whatever interests they may be construed to have. WITNESS: �'?/.�/1t.L SCiI'•f./� "1,.�. o . , o �a t o _. o /7 \) (SEAL) �SS Genev,�eve A. Diehl i ut iehl co b ^ , 'moo I R ai C3 R a co v COMMONWEALTH OF PENNSYLVANIA ) /1 , �� ): ss. COUNTY OF 1.J.7.1n.1Jf/lX � � " "' ) On this, the 26" day of 001t'�, 1996, before me, the undersigned officer, personally appeared RAYMOND E. DIEHL and GENEVIEVE A. DIEHL; and DONALD E. DIEHL and SUZANNE DIEHL, known to me (or satisfactorily proven) to be the persons whose names are subscribed to the within instrument, and acknowledged that they executed the same for the purposes therein contained. ITNESS WHEREOF,1 hereunto set �hand �Officia sea ' vI NofaAa aea (SEAL) '' •efJ � j Ce d.traaJan*&a.,ear�iond�0 f reby certify that the precise residence and complete post office address of the within Grantemis 2 Shea Court, Carlisle,' Pennsylvania 17013. P �r11, Atta y'for Grantees A� stf COMMONWEALTH OF PENNSYLVANIA ) • ): ss. COUNTY OF RECORDED on this -Z day of /�?rl A. D. I in the Recorders Office of the said County in Deed Book I� , Page I'!, . Given under my hand and the seal of the said office, the date above written. lfecorder f•!•y ...yam.`. eboi; 13! rnrclliS EXHIBIT 9 9 File No. 88.32616 LOAN r - NOTE AUGUST 1, 2002 MONROBVILLE, P VANIA [Date] [qty] [state] 2 SHER CT, CARLISLE, PA 17013 [Property Address] L BORROWER'S PROMISE TO PAY in return for a loan that I have received, I promise to pay U.S. $232,000.00 (this amount Is called "Principal "), plus interest, to the order of the Lender. The Lender is ABN AMRO MORTGAGE GROUP, INC. , A DELAWARE CORPORATION. I will make all payments under this Note in the form of cash, check or money order. I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. INTEREST Interest ivill be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly mte of 6.250%. j The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(13) of I this Note. f 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by malting a payment every month. I will make my monthly payment on the IST day of each month beginning on OCTOBER. 1, 2002. I will make these payments every month until I have paid all ofthe principal and interest and any other charges described blow that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. by on SEPTEMER 1, 2032 I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date." I will make my monthly payments at 4242 N. HARLEM AVE. BORRIDGE, IL 60706 ATTNt CASHIERING or at a different place if required by the Note Holder. (B) Amount of Monthly Payments My monthly payment will be in the amount of U.S. $1,428.46. 4. BORROWER'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment" When I make a Prepayment, I will tell theNote Holder in writing that I am doing so, I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. I may make a Rill Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I rnve under this Note, However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying ray Prepayment to reduce the Principal amount of the Nate, If I make a partial Prepayment, there will be no changes in the due date or in the amount of my monthly payment urdess the Note Holder agrees in writing to close changes. S. LOAN CHARGES Ira law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest orother loan charges collected or to be collected in connection with this loan exceed the permitted ]mails, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal I owe under this Note orby making a directpayment to me. Ifa refund reduces Principal, the reductionwil lbe treated asapardalPrepayment. 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of is calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5.000E of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the fail amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all the interest that t owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. (D) No Waiver By Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note holder's Coats and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid backby mefor all of its costs andexpenses inenforcing this Note to theextent not prolei bitedbyapplicabie law. Thoseexpenses include, for example, reasonable attorneys' fees. S. Initials r - MULTISTATE FIXED RATE NOTE- Sinste Fomily -Fannie MadFteddk Mat UMFORM INSTRUMEW Form 3200 INN O 19".2001 Online Document, Inc. Page 1 of 2 0200NO T 0105 LOAD � 7. GIVING OF NOTICES Unless applicable law requires a different method, any notice that mustbe given tome under thisNote willbe by it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the N Holder a no of my different address. Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first class mail to the Note Holder at the address stated In Section 3(A) above or at a different address VI am given a notice of that different address. S. OBLIGATIONS OF PERSONS UNDER TMS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including thepromise to pay the full amountowed. Anyperson who isa guarantor, surety orendorserofthisNote isalso obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed tinder this Note. } 9. WAIVERS . I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. - ftsentment" means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 10. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed ofTr ast, or Security Deed (the "Security Instrument "), dated the same date as this Note; protects theNote Holder from possible losses which mightmsult ifI do not keep thepromises whichl make in"Note.That Security Instrument describes how and under whatconditions I maybe required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions am described as follows: Ifall orany part ofthe Property oranyinterestin the Property is sold ortransrerred (orifBorrower isnota naturaiperson and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sutras secured by this Security Instnunertt. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exemiscs this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED L THOMAS SCHLUSSER A S &Yi1w111.1 (goal) MICHELLE SCHLUSSER PAY TO THE ORDER OF ,1_ WITHOUT RECOURSE ABN AMRO MORTGAGE GROUP, INC. ik MARG Ef A. BE VICE PRESIDENT [Sign Or►g►nalOnly] MULTISTATE MMD RATE NOTWinak Family -FwWc MpcffMdk Mac UMFORM INSTRUMENT Form 32001101 01999.3001 Orlin Do,.veent& Inc. Page 2 of 2 F3200NOT EXHIBIT 9 9 File No. 88.32616 333 53 P, ZIEGLER DER OF DEED CHELSEA SETTLEMENT AGENCY 339 YMAKER ROAD SUITE 207 :BLAND COUNTY M ' VILLE PA 15146 21 10 34 When recorded mail to: ABN AMRO MORTGAGE GROUP, INC. P.O. BOX 5064 TROY, MICHIGAN 48084 ATTN:FINAL /TRAILING DOCUMENTS c�lo� LOAN ISpace Above This Line For Recording Data] MORTGAGE DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain Hiles regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated AUGUST 1, 2002, together with all Riders to this document. (B) "Borrower" is THOMAS SCHLUSSER, A WIFE AND HUSBAND AND MICHELLE SCHLUSSER, A WIFE AND HUSBAND. Borrower is the mortgagor under this Security Instrument. (C) "Lender " is ABN AMRO MORTGAGE GROUP, INC. Lender is a CORPORATION organized and existing under the laws of DELAWARE Lender's address is 2600 W. BIG BEAVER RD., TROY, MICHIGAN 48084. Lender is the mortgagee under this Security Instrument Initials: PENNSYLVANIA — Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30391/01 page 1 of 15 PAUDEED PAUDEDL 0109 8K 1 769PGO866 LOAN #: — (D) "Note" means the promissory note signed by Borrower and dated AUGUST 1, 2002. The Note states that Borrower owes Lender **TWO HUNDRED THIRTY TWO THOUSAND AND NO 1100 ***************************** * * * * * * *w * * * * *** * * * *D O l1 aIS (U.S. $232,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than SEPTEMBER 1, 2032. (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: C7 Adjustable Rate Rider 0 Condominium Rider Second Home Rider D Balloon Rider D Planned Unit Development Rider Other(s) [specify] O 14 Family Rider O Biweekly Payment Rider (H) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non - appealable judicial opinions. (I) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (,n I 'Electronic Funds Transfer' I means anytransfer offunds, other than a transaction originated by check, drak or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. W) f°Escrow Items" means those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu ofcondemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. Initials: PENNSYLVANIA — Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30391/01 Page 2 of 15 PAUDEDL BK 1769PGO867 Y LOAN #: - (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender the following described property located in the COUNTY [Type of Recording Jurisdiction] Of CUMBERLAND [Name of Recording Jurisdiction]: SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF. which currently has the address of 2 SHEA CT, CARLISLE, [street] [city] Pennsylvania 17013 ( "Property Address "): [Zip Code] TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All oftheforegoing is referred to in this Security Instrument as the "Property. " BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrowerwarrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non - uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also payfundsforEscrow Itemspursuanito Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid Initials: ?W: 1� � PENNSYLVANIA— Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30391/01 Page 3 of 15 PAUDE 6KI769PGO868 LOAN #r - Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makespayment tobring theLoan current. IfBorrowerdoes not do sowithin a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application'of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds ") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, ifany, or any sums payable by Borrower to Lender in lieu ofthe payment ofMortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, ifany, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event initials: - C&S• PENNSYLVANIA — Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30391/01 Page 4 of 15 PAUDEDL BKI769PGO869 LOAN #: of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposesbe deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates ofexpenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RE SPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall notbe required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage ofFunds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. Ifthere is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums securedby this Security Instrument, Lender shall promptly refundto Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (bj contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this SecuriV Instrumen Initials: !(> S 1V1 PENNSYLVANIA — Single Family— Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30391/01 Page 5 of 15 PAUDEDL 8KI769PG0870 LOAN #: - Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against lossby fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one -time charge for flood zone determination, certification and tracking services; or (b) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligationtopurchase any particulartype or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole Initials: T�j. �11�i11 PENNSYLVANIA — Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30391/01 Page 6 of 15 PAUDEDL BKI769PGO87I LOAN #s - obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the orderprovided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30 -day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund ofunearned premiums paidby Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lendermay use the insurance proceeds citherto repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration ordamage. Ifinsurance orcondemnation proceeds are paid in connectionwith damageto, orthetaking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default it, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (e) Borrower has Initials: MIl1fS1 PENNSYLVANIA -- Single Family — Fannie Maeffreddie Mae UNIFORM INSTRUMENT Form 30391/01 Page 7 of 15 PAUDEDL QK I / 69PGO872 LOAN #s - abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date ofdisbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount ofthe separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non - refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non - refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non- refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These initials: PENNSYLVANIA — Single Family— Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 30391/01 Page 8 of 15 PAUDEDL 6K 1769PG ©873 LOAN As agreements may require the mortgage insurer to make payments using any source offends that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). _ As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any ofthe foregoing, may receive (directly or indirectly) amounts that derive from (or Might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance. To have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forreiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. Ifthe Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair ofthe Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event ofa total taking, destruction, or loss in value ofthe Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount ofthe sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. Initials: T f+-.S Ago PENNSYLVANIA — Single Family— Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30391/01 Page 9 of 15 PAUDEDL 6K1769PGO874 LOAN #t If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture ofthe Property or other material impairment ofLender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, ifacceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest ofBorrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co-signer"'): (a) is co- signing this Security Instrument only to mortgage, grant and convey the co- signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. Initials: 7 (..•S- PENNSYLVANIA — Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30391/01 Page 10 of 15 PAUDEDL BK 1 769PGO875 LOAN $: If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lendermay chooseto makethis ref indby reducingthe principal owed underthe Note orby maldng a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions ofthis Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contractor escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period ofnot lessthan 30 days fromthe date the notice is given in accordance with Section 15 withinwhich Borrower Initials: 7e, $• �iy\.� PENNSYLVANIA -- Single Family— Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30391/01 Page 11 of 15 PAUDEDL BK 1 769PG08.76 LOAN i# : - must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of. (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rightsunder this Security Instrument, andBorrower'sobligation topay the sumssecuredby this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more ofthe following forms, as selectedbyLender: (a) cash; (b) money order, (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) canbe sold one or more timeswithout prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer ") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the givingofsuch notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic orhazardous substances, pollutants, orwastesbyEnvironmental Lawand the following substances: Initials: PENNSYLVANIA -- Single Family— Fannie Mae/Freddte Mac UNIFORM INSTRUMENT Form 3039 1101 Page 12 of 15 PAUDEDL BK t 769PG0877 IRAN #s - gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) `Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON- UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lendershall givenoticetoBorrowerpiortoaccelerationfollowingBorrowees breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section IS unless Applicable Law provides otherwise). Lendershall notify Borrowerof, among otherthings: (a) the default; (b) the action required to cure the default; (c) when the default must be cured; and (d) that failure to cure the default as specified may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. Lender shall further inform Borrower of the right to reinstate after acceleration and the i ightto assert in the foreclosure proceeding the non-existence ofa default oranyother defense of Borrower to acceleration and foreclosure. If the default is not cured as specified, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, attorneys' fees and costs of title evidence to the extent permitted by Applicable Law. 23. Release. Upon payment of all sums secured by this Security Instrument, this Security Instrument and the estate conveyed shall terminate and become void. After such occurrence Lender shall discharge and satisfy this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivem Borrower, to the extent permitted by Applicable Law, waives and releases any error or defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or future laws Initials s'Tt: --S PENNSYLVANIA -- Single Family— Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 30391/01 Page 13 of 15 PAUDEDL BK I 769PGO8,78 LOAN $c - providing for stay of execution, extension of time, exemption from attachment, levy and sale, and homestead exemption. 25. Reinstatement Period. Borrower's time to reinstate provided in Section 19 shall extend to one hour prior to the commencement of bidding at a sheriff's sale or other sale pursuant to this Security Instrument. 26. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to Borrower to acquire title to the Property, this Security Instrument shall be a purchase money mortgage. 27. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. - ct•% (seal) THOMAS SCHLUSSER Pkx&4 ll _ 1.4" (seal) MICHELLE SCHLUSSER PENNSYLVANIA — Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30391/01 Page 14 of 15 PAUDEDL BKI769PGO879 LOAN #: — Certificate f Re - dente do hereby certify that the correct address of the within -named Mortgagee is 2600 W BIG BEAVER R D., TROY, MICHIGAN 48084 Witness my hand this h4 day of Agent of Mortgagee Commonwealth of PENNSYLVANI County of a Cvw���rL4r►C� On this the day of 401y'+ Za°?_ before me, so- ,I . Swri� -y 'Sr. , the undersigned officer, personally appeared THOMAS SCHLUSSER AND MICHELLE SCHLUSSER, known to me (or satisfactorily proven) to be the person whose name 01CL subscribed to the within instrument and acknowledged that tul executed the same for the purposes therein contained. In witness whereof I hereunto set my ha offic seal. My commission expires : Otr -A ZAP R•W e Title of Officer Initials: T.S. PENNSYLVANIA -- Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30391/01 'im ' age 15 of 15 PAUDEDL �dvvc►ptttd , h1 ' V/f, NOTARIAL SEAL .� SAMUEL E. SMITH JR., Nota Public Lower Swatera Twp., DaWMn C,ouMy IMY COMMIeSIM Eofn Oct. 24,2= Member Penns*" A=Dddon of Mbteriee BK 17 6 9 PG 0 8t P Oil All that certian lot of land situate in the West Pennsboro Township, Cumberland County, Pennsylvania, bounded and described according to Final Subdivision Plan for Phase Nos. 1 and 4 of Andrew Manor, prepared by Stephen G. Fisher, P.L.S., dated December 6, 1991, revised February 24, 1992 and recorded in Cumberland County Plan Book 64, Page 22, as follows, to -wit: Beginning at a point in the western right -of -way line of Shea Court at the southeastern corner of Lot No. 23 as set forth on the above - referred -to Plan; thence along said Lot No. 23 North 26 degrees 03 minutes 16 seconds West 430.34 feet to a point in line of lands now or formerly of Mark L. Clouser; thence along lands now or formerly of Mark L. Clouser South 76 degrees 39 minutes 49 seconds East 164.17 feet to a point; thence continuing along lands now or formerly of Mark L. Clouser North 13 degrees 20 minutes 11 seconds East 175.00 feet to a point; thence continuing along lands now or formerly of Mark L. Clouser North 13 degrees 20 minutes 11 seconds East 24.59 feet to a point in the centerline of Clay Road (T -443); thence along said centerline of Clay Road (T -443) South 76 degrees 18 minutes 39 seconds East 199.95 feet to a point; thence along right -of -way of Clay Road (T -443) South 12 degrees 44 minutes 43 seconds West 21.29 feet to a point; thence along said Shea Court on a line curving to the right having a radius of 25.00 feet and an arc distance of 39.43 feet to a point; thence along right -of -way of said Shea Court South 13 degrees 07 minutes 22 seconds West 189.67 feet to a point; thence continuing along the right -of -way of said Shea Court on a line curving to the right having a radius of 426.05 feet and an arc distance of 325.34 feet to a point, the place of beginning. Also known as Parcel Number: 46 -08- 0585 -064 this to be rer• jerland Count 1 Recorder of . • -:,AS (2002079365. PF D/2002079365/15) BK 1769PGO88 ! EXHIBIT 9 9 File No. 88.32616 All that certian lot of land situate in the West Pennsboro Township, Cumberland County, Pennsylvania, bounded and described according to Final Subdivision .Plan for Phase Nos. 1 and 4 of Andrew Manor, prepared by Stephen G. Fisher, P.L.S., dated December 6, 1991, revised February 24, 1992 and recorded in Cumberland County Plan Book 64, Page 22, as follows, to -wit: Beginning at a point in the western right -of -way line of Shea Court at the southeastern corner of Lot No. 23 as set forth on the above - referred -to Plan; thence along said Lot No. 23 North 26 degrees 03 minutes 16 seconds West 430.34 feet to a point in line of lands now or formerly of Mark L. Clouser; thence along lands now or formerly of Mark L. Clouser South 76 degrees 39 minutes 49 seconds East 164.17 feet to a point; thence continuing along lands now or formerly of Mark L. Clouser North 13 degrees 20 minutes 11 seconds East 175.00 feet to a point; thence continuing along lands now or formerly of Mark L. Clouser North 13 degrees 20 minutes 11 seconds East 24.59 feet to a point in the centerline of Clay Road (T -443); thence along said centerline of Clay Road (T443) South 76 degrees 18 minutes 39 seconds East 199.95 feet to a point; thence along right -of -way of Clay Road (T -443) South 12 degrees 44 minutes 43 seconds West 21.29 feet to a point; thence along said Shea Court on a line curving to the right having a radius of 25.00 feet and an arc distance of 39.43 feet to a point; thence along right -of -way of said Shea Court South 13 degrees 07 minutes 22 seconds West 189,67 feet to a point; thence continuing along the right -of -way of said Shea Court on a line curving to the right having a radius of 426.05 feet and an arc distance of 325.34 feet to a point, the place of beginning. Also known as Parcel Number: 46 -08- 0585 -064 EXHIBIT " , File No. 88.32616 CitiMortgage, Inc. PRESORT PO Box 9090 Temecula, CA 92589 -9090 First -Class Mail U.B. Postage and Fees Paid W SO 7196 9006 9297 1692 8304 Send Payment to: CitiMortgage, Inc. PO Box 689196 Des Moines, IA 50366 -9196 20140110 -168 Send Correspondence to: CitiMortgage, Inc. �I'I'i' Iii` 11" I'" I" II�II11�1�11 "��IL11�1��11�111�1111'111�11� 6400 Las camas Blvd. Irving, TX 75033 THOMAS G SCHLUSSER 2 SHEA CT CARLISLE, PA 17015 -7410 CITIPAACT91 Sent Via Certified Mail Date: 01/10/2014 7196 9006 9297 1692 8304 THOMAS G SCHLUSSER 2 SHEA CT CARLISLE, PA 17015 -7410 RE: Property Address: 2 SHEA CT CARLISLE, PA 1.7013 CitiMortgage Loan #: - ACT 91 NOTICE TA 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 pares. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help 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 this Notice. If you have any_guestions, you. may call the Penn Ivania Housing Finance Agency toll -free at 1- 800 - 342 -2397. (Persons wi th impaired hearing can call 717 780 -18b9 ). 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 NOTIFICACIbN :EN ADJUNTO ES DE SUMA IMPORTANCIA, PU.ES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. S1 NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRA.DUCCION :1NMEDIATAMMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA CITIPAACT91 Page I of 7196 9006 9297 1692 8304 HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO M.ENC.IONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMI:R SU .HIPOTECA. HOMEOWNER'S NAME(S): THOMAS G SCHLUSSER MICHELLE M SCHLUSSER THOMAS SCHLUSSER MICHELLE SCHLUSSER PROPERTY ADDRESS: 2 SHEA. CT CARLISLE, PA 17013 LOAN ACCT. NO.: — ORIGINAL LENDER: ABN AMRO MORTGAGE GROUP, INC. CURRENT LENDER /SER.VICER: CitiMortgage, Inc. 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 TH:E 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 desitmated 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 CtTIPAACT91 Page 2of6 7196 9006 9297 1692 8304 Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania .Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be .forwarded to PHFA and received within thirty (30) days of your face -to -face meeting with. the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF T HE POSTMARK DATE OF .THIS .NOTICE A.ND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FRO,4f STARTING A .FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARYSTAY OF .FORF.,CLOSURE ". 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 FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIiKE 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 NUT 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 (Brine it up to date). NATURE OF THE DEFAULT -- The MORTGAGE debt held by the above lender on your property located at: 2 SHEA. CT CARLISLE, PA 17013 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 09/01/13 through 11/01/13 3 @ $1,904.23 /month 3 @ $71.42 /late ebargarmonth $5,926.95 12/01/13 through 01 /O1 /I4 2 @ $1,957.35 /month 1 @ $71.42 /late charge /month $3,986.12 Other charges (explain /itemize): Unapplied funds in the amount of ($1,097.77) TOTAL AMOUNT PAST DUE: $8,888.72 HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY (30) DAYS of the date of this notice CITIPAACT91 Page 3 of 7196 9006 9297 1692 6304 BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $8,888.72, 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: CitiMortgage, Inc. P.O. BOX 183040 Columbus, OH 43218 -3040 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 frill 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 anv 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. 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 6 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: CitiMortgage, Inc. Address: P.O. Box 12218 Tucson, AZ 85732 -2218 Phone :Number: 1- 877 -362 -0175 Fax Number: 1 -866- 940 -81.47 Contact Person: MarkAn.thony Hartland E Mail Address: markant liony.b.hartiand@citi.cam CIT.IPAACT91 Page 4of6 7196 9006 9297 1692 8304 w EFFECT OF SHERI.FF'S SALE -- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your rigbt 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 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 attorneys fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. VOU 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 I 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 TIME DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGIIT 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 SERVLNG YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST This is an attempt to collect a debt and any information obtained Mll be used for that purpose, CITIPAACT91 Page Sof6 7196 9006 9297 1692 8304 HEMAP Consumer Credit Counseling Agencies ...... CUMBERLAND County Report last updated; 70/16/2013,10:43. AM Advantage Credit. Counseling Service/CCCS of Western PA Community. Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA. 17102 Harrisburg, PA.. 17104 888 -51.1 -2227 71.7- 232 -9757 Housing Alliance. of York/Y. Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York, PA .17401. Waynesboro, PA 1.7268 717 -855 -2752 717 - 762 -3285 PathStone Corporation PathStone Corporation 1625, North_Front St 450 Cleveland Ave Harrisburg, PA 17102 Chambersburg, PA. 1.7201 717- 234 -6616 717 -264 -5913 PA Interfaith Community Programs .Inc PHFA 40 E High Street 2.11.. North. Front Street Gettysburg, P.A 17325 Harrisburg, PA. 17110 71.7 -334 -1518 717- 780 - 3940...800 -342 -2397 HC Page 6of6 7146 9006 9297 1692 8304 CitiMortgage, Inc. PRESORT PO BOX 9090 First -Class Mail Temecula, CA 92589.9090 U.S. Postage and Fees Paid W SO 2280194899 Send Payment to: CitiMortgage, Inc. PO Box 689196 Des Moines, IA 50368 -9196 20140110 -168 Send Correspondence to: CitiMorigage, Inc. ��Ill �1��111111111�11�111�1 "II'��I11'�Ill�ln��lnll 6400 Las Colinas Blvd. Irving, TX 75039 THOMAS G SCHLUSSER 2 SHEA CT CARLISLE, PA 17015 -7410 CITIPAACT91 Date: 01/10/2014 THOMAS G SCHLUSSER 2 SHEA CT CARLISLE, PA 17015 -7410 RE: Property Address: 2 SHEA CT CARLISLE PA 1.7013 CitiMortgage Loan #: ACT 91 NOTICE TAB 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 gaffes. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help 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 Coun are listed at the end of this Notice. If you have any questions, you. may call the Pennsylvania Housing Finance Agency toll -free at 1- 800 - 342 -2397. (Persons with impaired hearin clan call 1717) 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, PU:ES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION :INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA CITIPAACT91 Page I of 2280194899 HOUSING FINANCE AGENCY) SIN CARGOS AL NUME:RO M.ENCIONADO ARRIBA, PUEDE SER ELFGIBLE PARA UN PRESTAMO POR EL PROGRAM.A LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CURL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A RE:DIMIR SU .HIPOTECA. HOMEOWNER'S NAME(S): THOMAS G SCnUSS.ER MICHELLE M SCHLUSSER THOMAS SCHLUSSER MICHELLE SCHLUSSER PROPERTY ADDRESS: 2 S:HEA CT CARLISLE, PA 17013 LOAN ACCT. NO.: - ORIGINAL LENDER: ABN AMRO MORTGAGE GROUP, INC. CURRENT LENDER/SERVICER: CitiMortgage, Inc. 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 FUR 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 AGE.NCI.ES — 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 CITIPAACT91 Page 2of6 2280194899 n Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A HEAIAP APPLICATION AS SOON AS POSSIBLE IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHEA 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 "TEMPORARYSTAY OF FORECLOSURE'. YOU HAVE THE RIGHT TO FILE A HEM. AP APPLICATION EVEN .BEYOND .THESE TIME PERIODS A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR 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: 2 SHEA CT CARLISLE, PA 17013 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 09/01/13 through 11/01/13 3 @ $1,904.23 /month 3 @ $71.42 /late charg&month $5,926.95 12/01/13 through 01 /01 /14 2 @ $1,957.35 /month 1 @ $71.42 1'late charge /month $3,986.12 Other charges (explain /itemize): Unapplied funds in the amount of ($1,095.77) TOTAL AMOUNT PAST DUE: $8,888.72 HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY (30) DAYS of the date of this notice CITIPAACT91 Page 3of6 22$0194699 BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $8,888.72, 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, ecrtified check or money order made payable and sent to: CitiMortgagc, .Inc. P,O. BOX 183040 Columbus, OH 43218 -3040 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 anv 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 6 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: CitiMortgage, Inc. Address: P.O. 'Box 12218 Tucson, AZ 85732 -2218 Phone :Number: 1- 877 -362 -0175 Fax Number: 1- 866 -940 -8147 Contact Person: MarkAnthony Hartland E :Mail Address: markanthony.b.hartland @citi.com CITIPAACT91 Page 4of6 2280194899 i EFFECT OF SHERI.FF'S SALE -- You should realize that a Shcriffs 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 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 BERALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT I•:LAV:E THIS RIGI•IT 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 SERVLNG YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST This is an attempt to collect a debt and any information obtained will be used for that purpose. CITIPAACT91 Page 5 of 2280194899 HEMAP Consumer. Credit Counseling. Agencies .. .... . .... ... .... CUMBERLAND. County Report last updated :.10/1612013.10:43 MM Advantage. Credit. Counseling ServicelCCCS of Western PA Community. Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA.. 17102 Harrisburg, PA. .17104 888 -511 -2227 71.7- 232 -9757 Housing Alliance of. York/Y. Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York, PA 17401 Waynesboro, PA 17268 717 -855 -2752 717- 762 -3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave Harrisburg,. PA. 17102 Chambersburg, PA. 1.7201 717 -234 -6616 717 -264 -5913 PA Interfaith Community Programs. Inc P.HFA 40 E High Street 21. I. North Front Street Gettysburg,. PA. 17325 Harrisburg, PA. 171.10 717- 334 -1518 71.7- 780-3940. .8W -342 -2397 HC Page 6 of 6 2280194 899 CitiMortgage, Inc. PRESORT PO Box 9090 Temecula, CA 92589.9090 First -Class Mail U.S. Postage and Fees Paid W SO 7196 9006 9297 1692 8335 Send Payment to: CitiMortgage, Inc. PO Box 689196 Des Moines, IA 5036 8-9196 20140110 -168 Send Correspondence to: CitiMortgage, Inc. �lu�el�lll��l' Illll�llllil�ll�l�l�t�ul�lul���nl�l��� "IIII1�� 6400 Las Colinas Blvd. Irving, TX 75039 THOMAS SCHLUSSER 2 SHEA CT CARLISLE, PA 17015 -7410 CITIPAACT91 Sent Via Certified Mail Date: 01 /]0/2014 7196 9006 9297 1692 8335 THOMAS SCHLUSSER 2 SHEA CT CARLISLE, PA 17015 -7410 RE: Property Address: 2 SHEA CT CARLISLE, PA 1.7013 CitiMortgage Loan #: ACT 91 NOTICE TAB 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 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 this Notice. If you have any questions, oY u. inay 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 SU 1MPORTANCI.A, PU:ES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE El, CONTENIDO DE ESTA NO'TIFICA.CI()N OBTENGA UNA TRADUCCION INMED1ATWENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA C:ITIPAAC - f91 Page t of 7196 9006 9297 1692 8335 HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLEPARA UN PRkSTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SUHIPOTECA. HOMEOWNER'S NAME(S): THOMAS SCIILUSSER THOMAS G SCHLUSSER, MICHELLE M SCHLUSSER MICHELLE SCHLUSSER PROPERTY ADDRESS: 2 SIIEA CT CARLISLE, PA 17013 LOAN ACCT. NO.: ORIGINAL LENDER: ABN AMRO MORTGAGE GROUP, INC. CURRENT LENDER/SERVICER: CitiMortgage, Inc. 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 UT 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 desigriated 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. APPLICATIONIZOR 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 CITINVItCT91 Pagc 2 of6 7196 9006 9297 1692 8335 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 MCJST be forwarded to PHFA and received within thirty (30) days of your face -to -face meeting %Ith the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS !NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARYSTAY OF FORECLOSURE ". .YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN .BEY Di4T1 THESE TIME PERIODS A .LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited.. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR 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: 2 SHEA CT CARLISLE, PA 17013 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 09/01/13 through 11 /01/13 3 @ $1.904.23/month 3 @ $71.42 /late chargc,month $5,926.95 12/01/13 through 01/01/14 2 @ $'1,957.35 /month 1 @, $71.42 /late charge / month $3,986.12 Other charges (explain /itemize): Unapplied funds in the amount of ($1,095.77) TOTAL AMOUNT PAST DUE: $8,888.72 HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY (30) DAYS of the date of this notice CITIPAAC"T91 Page 3 of 7196 9006 9297 1692 8335 BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WINCH IS $8,888.72, 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: CitiMortgage, Inc. P.O. BOX 183040 Columbus, OH 43218 -3040 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 fills 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 Sheriffs 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 anv 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. 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 6 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: CitiMortgage, Inc. Address: P.O. Box 1.2218 Tucson, AZ 85732 -2218 Phone Number: 1- 877 -362 -0175 Fax Number: 1- 866- 940 -81.47 Contact Person: MarkAn.thony Hartland E -Mail Address: markanthony .b.hartland(aciti.com CITIPAACT91 Pagc 4 of 6 7196 9006 9297 1692 8335 EFFECT OF SHERI.FF'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 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 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 attorneys fees and costs are paid prior to or at the sale and that the other regui.rements 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 TIME 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 SERVLNG YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST This is an attempt to collect a debt and any information obtained will be used for that purpose. CITIPAACT91 Page 5 of 7196 9006 9297 1692 8335 HEMAP Consumer Credit Counseling Agencies. CUMBERLAND County Report last updated: ]0/1612013.10:43 AM Advantage. Credit. Counseling Service/CCCS of Western PA Community. Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA. 17102 Harrisburg, PA. 17104 888 -51.1 -2227 71.7- 232 -9757 Housing Alliance. of. York/Y. Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York, PA .17401 Waynesboro, PA 1.7268 717 -855 -2752 717 - 762 -3285 PathStone. Corporation PathStone. Corporation 1625 North. Front St 450 Cleveland Ave Harrisburg, PA. 17102 Chambersburg, PA. 1.7201 717- 234 -6616 717 - 264 -5913 PA Interfaith Community Programs .Inc PHFA 40 E High Street 21. I. North Front Street Geuysburg,. PA .17325 Harrisburg, PA 17.1 W 717 - 334 -1518 717- 780 - 3940 - AW -342 -2397 HC Page 6 of 6 7196 9006 9297 1692 8335 CitiMortgage, Inc. PRESORT PO Box 9090 Temecula, CA 92589 -9090 First -Glass Mail U.S. Postage and Fees Paid W SO 2280194902 Send Payment to: CitiMortgage, Inc. PO Box 689196 Des Moines, IA 50368 -9196 20140110 -168 Send Correspondence to: CitiMortgage, Inc. 11iIIIIIIIIII' IIIIII' I' II' IIIIIrI111rIIIrylrlrhllrlhlnr1I111� 6400 Las Colinas Blvd. THOMAS SCHLUSSER Irving, TX 75039 2 SHEA CT CARLISLE, PA 17015 -7410 CITIPAACT91 Date: 01/10/2014 THOMAS SCHLUSSER 2 SHEA CT CARLISLE, PA 17015 -7410 RE: Property Address: 2 SHEA CT CARLISLE, PA 1.7013 CitiMortgage Loan #: ACT 91 NOTICE TAINCE"' 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 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 this Notice. If you have any questions, you. may call the Pennsylvania Housing Finance Agency toll -free at 1- 800 - 342 -2397. (Persons with impaired hearing can call (717) 780 - 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 NOTIFICAC16N EN ADJUNTO ES DE SUM.A IM.PORTANCIA, PU:ES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFI.CACION OBTENGA UNA TRADUCCION :INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA CITIPAACT91 Page I of 2280194902 . r HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO M.ENCIONADO ARRiBA. PU:EDE 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 RE:DIMIR SU RIPOTECA. HOMEOWNER'S NAME(S): THOMAS SCIILUSSER THOMAS G SCHLUSSER MICHELLE M SCHLUSSE:R MICHELLE SCHLUSSER PROPERTY .ADDRESS: 2 SHEA CT CARLISLE, PA 17013 LOAN ACCT. NO.: - ORIGINAL LENDER: ABN AMRO MORTGAGE GROUP, INC. CURRENT LENDER/SE:RVICER: CitiMottgage, Inc. 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 desigmated 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 CITIPAACT91 Page 2 of6 2280194902 Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the :Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOONAS POSSIBLE IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARYSTAY 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 FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time,, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR 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 (Brine it up to date). NATURE OF THE DEFAULT -- The MORTGAGE debt held by the above lender on your property located at: 2 SHEA CT CARLISLE, PA 17013 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 09/01/13 through 11/01/13 3 @ $1,904.23 /month 3 @ $71.42 /late charge!month $5,926.95 12/01/13 through 0 1 !O1 /14 2 @ $1,95735 /month 1 @ $71.42 /late charge /month $3,986.12 Other charges (explain /itemize): Unapplied funds in the amount of ($1,095.77) TOTAL AMOUNT PAST DUE: $8,888.72 ti HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY (30) DAYS of the date of this notice �S CITIPAACT91 Page 3 of 2280194902 BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $8,888.72, 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: CitiMortgage, .Inc. P.O. BOX 183040 Columbus, OH 43218 -3040 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 Day 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 an time ime up to one hour before the Sheriff's Sale. You may do so btipa iy_ng 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 anv 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. 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 6 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: CitiMortgage, Inc. Address: P.O. Box 12218 Tucson, AZ 85732 -2218 Phone Number: 1- 877 -362 -0175 Fax Number: 1 -866 -940 -8147 Contact Person: MarkAnthony Hartland E -Mail Address: inarkanthony.b.hartland@citi.com CITIPAACT91 Page 4of6 2290194902 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 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 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 TI-.IIS 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 TI-IE 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 SERVLNG YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST This is an attempt to collect a debt and any information obtained will be used for that purpose. CITIPAACT9I Page 5 of 6 2280194902 i HEMAP Consumer Credit Counseling. Agencies ... .... ... CUMBERLAND County Report last updated: 10/16/2013.10:43 AM Advantage Credit. Counseling ServicelCCCS. of Western PA Community. Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg, PA .17102 Harrisburg, PA .171(14 888 -511 -2227 71.7- 232 -9757 Housing Alliance of. York/Y. Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York, PA 17401 Waynesboro, PA 1.7268 717 -855 -2752 717 - 762 -3285 PathStone Corporation PathStone Corporation 1625. North. Front St 450 Cleveland Ave Harrisburg, PA. 17102 Chambersburg, PA .1.7201 717 - 234 -6616 717 -264 -5913 PA Interfaith Community Programs Inc P.HFA 40 E High Street 2.11 North. Front Street Gettysburg, PA .17325 Harrisburg, PA. 1.7110 71.7- 334 -1518 71.7- 780 - 3940.... 8(1()-342 -2397 HC Page 6 of 2280194902 CitiMortgage, Inc. PRESORT PO Box 9090 First -Class Mail Temecula, CA 92589.9090 U.S. Postage and Fees Paid W SO 7196 9006 9297 1692 8311 Send Payment to: CitiMortgage, Inc. PO Box 689196 Des Moines, IA 50368 -9196 20140110 -168 Send Correspondence to: CitiMortgage, Inc. ! �Il llrl l��111 Il�nll lll�� "I�'1��'!1'flll��lil1 Irvin X 750 3 9 Blvd. I MICHELLE M SCHLUSSER Irving, , T 75039 2 SHEA CT CARLISLE, PA 17015 -7410 CITIPAACT91 Sent Via Certified Mail Date: 01 /10/2014 7196 9006 9297 1692 8311 MIC14ELLE M SCHLUSSER 2 SHEA CT CARLISLE, PA 17015 -7410 RE: Property Address: 2 SHEA CT CARLISLE, PA 1.7013 CitiMortgage Loan #: ACT 91 NOTICE TAB 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 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 Coun!y are listed at the end of this Notice. If you have any questions, you. may call the Pennsylvan 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 NOT.IFICACION EN ADJUNTO ES DE SUMA IMPORTANCI.A, PLIES AFECTA SU RERECHO A CONTINVAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFI.CA.CION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA CITIPAAC'T91 Page I of 7196 9006 9297 1612 8311 HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO M.ENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAM.. LLAJIADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOT:ECA. HOMEOWNER'S NAME(S): MICHELLE M SCI-I:LUSSER THOMAS G SCIILUSSE:R THOMAS SCHLU:SSE:R MICHELLE SCHLUSSER PROPERTY ADDRESS: 2 SHEA CT CARLISLE. PA 17013 LOAN ACCT. NO.: — ORIGINAL LENDER: ABN AMRO MORTGAGE GROUP, INC. CURRENT .LENDE.RJSE:RVICER: CitiMortgage, Inc. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAFE 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 T.H:E 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 DAT 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 CITIPAACr91 Page 2of6 7196 9001 9297 1692 8311 Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the :Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A HF,h1AP APPLICATION AS SOON AS POSSIBLE IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS" OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A .FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED `'TEMPORARYSTAY 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 FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited.. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR 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 (Brim it up to date). NATURE OF THE DEFAULT -- The MORTGAGE debt held by the above lender on your property located. at: 2 SHEA CT CARLISLE, PA 17013 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE :MONT14LY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 09/01/13 through 11/01/13 3 @ $1,904.23 /month 3 (a7 $71.42 /late charge /month $5,926.95 12/01/13 through 01/0Ul4 2 (a) $1,957.35 /month 1 @ $71.42./late charge /month $3,986.12 Other charges (explain /itemize): Unapplied funds in the amount of ($1;095.77) TOTAL AMOUNT PAST DUE: $8,888.72 HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY (30) DAYS of the date of this notice CITIPAAC'r91 Page 3 of 7146 9006 9297 1692 8311 BY PAYING TIRE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $8,888.72, 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: CitiMortgage, Inc. P.O. BOX 183040 Columbus, OH 43218 -3040 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 frill 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 Sheriffs Sale. You may do so by pnjng 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 b 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 '1'O CONTACT THE LENDER: Name of Lender: CitiMortgage, Inc. Address: P.O. Box 1.22 t 8 Tucson, AZ 85732 -2218 Phone Number: 1- 877 - 362 -0175 Fax Number: 1 -866- 940 -81.47 Contact Person: MarkAn.thony Hartland E <Mail Address: markantliony .b.hartland(aciti.com CITIPAACT91 Page 4 of 6 7196 9006 9297 1692 8311 EFFECT OF SHERI.FF'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 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 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 attorneys 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 TIME DEFAULT. (HOWEVER, YOU DO NOT FLAVE 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 SERVLNG YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST This is an. attempt to collect a debt and any information obtained will be used for that purpose. CITIPAACT91 Page 5 of 7196 9006 9297 1692 8311 HEMP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated: 10/16/2013 10:43. AM Advantage Credit. Counseling Service/CCCS of Western PA Community. Action Commission of Capital Region 2000 Linglestown Road 1514 Derry. Street Harrisburg, PA 17102 Harrisburg, PA. 17104 888 -51.1 -2227 7t7 -232 -9757 Housing Alliance. of York/Y.Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York, PA. 17401 Waynesboro, PA 1.7268 717 -855 -2752 717. 762 -3285 PathStone Corporation PathStoue Corporation 1625. North. Front St 450 Cleveland Ave Harrisburg,.PA.17102 Chambersburg, PA. 1.7201 717- 234 -6616 717- 264 -5913 PA Interfaith Community Programs .Inc P.HFA 40 E High Street 2.11.. North Front Street Gettysburg,, PA 17325 Harrisburg, PA 1.71.1.0 71.7 -334 -1518 717- 780 - 3940...800 -342 -2397 HC Page 6of6 7196 9006 9297 1692 8311 CitiMortgage, Inc. PRESORT PO Box 9090 First -Class Mail Temecula, CA 92589.9090 U.S. Postage and Fees Paid W SO 2280194900 Send Payment to: CitiMortgage, Inc. PO Box 689196 Des Moines, IA 50368 -9196 20140110-168 Send Correspondence to: CitiMort Inc. Irv in ,T Las X 75 Blvd. Iry MICHELLE M SCHLUSSER Irving, T 7509 2 SHEA CT CARLISLE, PA 17015 -7410 CITIPAACT91 Date: 01/10/2014 MICHELLE M SCHLUSSER 2 SHEA CT CARLISLE, PA 17015 -7410 RE: Property Address: 2 SHEA CT CARLISLE, PA 17013 CitiMortgage Loan #: ACT 91 NOTICE TAKE ACTION TO SAVE' YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached gapes. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help 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 Coun are listed at the end of this Notice. If you have any questions, you. may call the Pennsylvania Housing Finance Agency toll -free at 1- 800 - 342 -2397. (.Persons with impaired hearing can call (717)780- 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 I IFORTANCIA, DUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA CITIPAACT91 Page I U6 a280194900 HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO M.ENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAM.A LLAiV1ADO "HOMEOWNER'S EiNIERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA :DEL DE:RECH:O A RE:DIMI:R SU HIPOTECA. HOMEOWNER'S NAME(S): MICHELLE M SCI-ILUSSER THOMAS G SCHLUSSE:R THOMAS SCHLUSSER MICHELLE SCHLUSSER PROPERTY ADDRESS: 2 SHEA. CT CARLISLE, PA 17013 LOAN ACCT. NO.: — ORIGINAL LENDER: ABN AMRO MORTGAGE GROUP, INC. CURRENT LENDER/SERVICER: CitiMortgage, lne. 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 ELIGI:BI.LITY 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 desigtiated 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 CITIPAACT91 Page 2of6 2280194900 Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE IF YOU HA VF. A MEETING; WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A .FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, LAY THE SECTION CALLED " TEMPORARYSTAY 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 FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued. against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR 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: 2 SHEA CT CARLISLE, PA 17013 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 09/01/13 through 11/01/13 3 @ $1,904.23 /montb 3 @ $71.42 /late charge /month $5,926.95 12/01/13 through 01/01/14 2 @ $1,957.35 /month 1 cr, $71.42 /late charge /month $3,986.12 Other charges (explain /itemize): Unapplied funds in the amount of ($1,095.77) TOTAL AMOUNT PAST DUE: $8,888,72 ENV, HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY (30) DAYS of the date of this notice CITIPAACT91 Page 3 of 2280194900 BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $8,888.72, 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, certifie check or moncv order made payable and sent to: CitiMortgage, Inc. P.O. BOX 183040 Coliunbus, OH 43218 -3040 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 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 owc 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 Sheriffs Sale. You may do so by paving 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 anv other costs connected with the Sheriffs Sale as specified in writing y the lender and b performin 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 6 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: CitiMortgage, Inc. Address: P.O. 'Box 12218 Tucson, AZ 85732 -2218 Phone :Number: 1- 877 - 362 -0175 Fax Number: 1 -866- 940 -81.47 Contact Person: MarkAnthony Hartland tiE -Mail Address: markanthony .b.bartland(aciti.com CITIPAACT91 Page 4 of 6 2280194900 :EFFECT OF SHERI.FF'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 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 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 TH.E 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 SERVLVG YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST This is an attempt to collect a debt and any information obtained will be used for that purpose. CITIPAACT91 Page 5of6 2280194900 HEMAP Consumer Credit Counseling Agencies CUMBERLAND. County Report last updated: l0 /16/2013 10:43. AM Advantage Credit. Counseling Service/CCCS. of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry. Street Harrisburg, PA. 17102 Harrisburg,. PA .17104 888 -51.1 -2227 717 -232 -9757 Housing Alliance. of. York/Y. Housing Resources Maranatha 290 West. Market Street 43. Philadelphia Avenue York, PA 17401 Waynesboro, PA 1.7268 717 -855 -2752 717 -762 -3285 PathStone Corporation PathStone Corporation 1625 North. Front St 450 Cleveland. Ave Harrisburg,. PA 17102 Chambersburg, PA, 1.7201 717 -234 -6616 717 -264 -5913 PA Interfaith Community Programs Inc PHFA 40. E High Street 21. I. North. Front Street Gettysburg, PA .17325 Harrisburg,. PA. 1.71.10 717- 334 -1518 71.7- 780 - 3940.....8(1) -342 -2397 we Page 6 of 6 2280194900 CltiMortgage, Inc. PRESORT PO Box 9090 First -Class Mail Temecula, CA 92589 -9090 U.S. Postage and Fees Paid W SO 7196 9006 9297 1692 8328 Send Payment to: CitiMcrtgage, Inc. PO Box 689196 Des Moines, IA 50368-9196 20140110 -168 Send Correspondence to: CitiMortgage, Inc. u��l���llll����I��lilllnilll" I' fll�lll�lllll�lll��ll�lllllll�l 6400 Las Colinas Bled. Irving, TX 75039 MICHELLE SCHLUSSER 2 SHEA CT CARLISLE, PA 17015 -7410 CITIPAACT91 Sent Via Certified Mail Date: 01/10 /2014 7196 9006 9297 1692 8328 MIC14ELLE SC14LUSSER 2 SHEA CT CARLISLE, PA 17015 -7410 RE: Property Address: 2 SHEA CT CARLISLE :PA 1.7013 CitiMortgage Loan #: ACT 91 NOTICE TAIMC ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the Iender intends to foreclose. Specific information about the nature of the default is provided in the attached Vages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help 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 this Notice. If you have any questions, you. may call the Pe nnsylv an ia Housing Finance Agency toll -free at 1- 800 - 342 - 2397. (Perso 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 NOTIFICACUSN :EN ADJUNTU ES DE SUMMA :IM.PORTANCI.A, PU:ES AFECTA SU DERECHO A CONTINUAR V1VIENDO EN SU CASA. S1 NO COMP:RENDE EL CONTENIDO DE ESTA NOTIFICACION O$TENGA UNA TRADUCCIION INMEDIArAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA CITIPAAC.T91 Page I of 7196 9006 9297 1692 8328 HOUSING FINANCE AGENCY) SIN CARGOS AL NUMER0 MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRkSTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SUHIPOTECA. HOMEOWNER'S NAME(S): MICHELLE SCHLUSSER THOMAS G SCHLUSSER. MICHELLE M SCHLUSSER THOMAS SCHLUSSER PROPERTY ADDRESS: 2 SHEA CT CARLISLE, PA 17013 LOAN ACCT. NO.: ORIGINAL LENDER: ABN AMROMORTGAGE GROUP, INC. CURRENT LENDER/SERVICER: CitiMortgage, Inc. 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 intent-ions, 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 CITIPPV%CT91 Page 2 of 6 7196 9006 9297 1692 8328 f � Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE IF YOU HAVE, A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED `°TEMPORARYSTAY OF FORF.CI.OSURE ". YOU HAVE THE RIGHT TO FILE A HEMA.P APPLICATION EVEN.BEYOND .THESE TIME PERIODS A .LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time,, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION :PURPOSES ONLY AND SHOULD :NUT 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: 2 SHEA CT CARLISLE, PA 17013 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past. due: 09/01/13 through 11/01/13 3 @ $1,904.23 /month 3 @ $71.42 /late charge /month $5,926.95 12/01/13 through 01/01:14 2 @ $1,957.35 /month 1 @ $71.42 /late charge /month $3,986.12` Other charges (explain /itemize): Unapplied funds in the amount of ($1,095.77) TOTAL AMOUNT PAST DUE: $8,888.72 HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY (30) DAYS of the date of this notice CITIPAACT91 Page 3 of 7196 9006 9297 1692 6328 BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $8,888.72, 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: CitiMortgage, Inc. P.O.:BOX 183040 Columbus, 011 43218 -3040 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 prev the sale at any time up to one hour before the Sheriffs Sale. You mu do so by paying the total amount then past due, plus any late or other charges then due reasonable attorney's tees 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 ryill 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 6 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: CitiMortgage, Inc. Address: P.O. Box 12218 Tucson, AZ 85732 -2218 Phone Number: 1- 877 - 362 -0175 Fax Number: 1 -866- 940 -81.47 Contact Person: MarkAn.thony Hartland E -Mail Address: markanthony.b.hartlandfa citi.com CITIPAACT91 Page 4of6 7196 9006 9297 1692 8328 EFFECT OF SHERI.FF'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 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 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 BERALF. • 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 .W STITUTED 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 SERVEVG YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST This is an. attempt to collect a debt and any information obtained %Till be used for that purpose. CITIPAAC T9I Page S of'6 7116 9006 9297 1692 6328 � J HEMAF Consumer Credit Counseling. Agencies.. CUMBERLAND County Repon last updatcd: 1011612013 10:43. AM Advantage Credit. Counseling Service/CCCS of Western PA Community. Action Commission of Capital Region 2000 Linglestown Road 1514 Derry. Street Harrisburg, PA.. 17102 Harrisburg,. PA. 17104 888 -51.1 -2227 717 -232 -9757 Housing Alliance. of York/Y. Housing Resources Maranatha 290 West Market Street 41. Philadelphia Avenue York, PA..17401 Waynesboro, PA 17268 717 -855 -2752 717- 762 -3285 PathStone Corporation PathStone Corporation 1625, North Front St 450. Cleveland Ave Harrisburg,:PA 17102 Chambersburg, PA. 17201. 717 -234 -6616 717- 264 -5913 PA Interfaith Community Programs .Inc P.HF'A 40 E High Street 21. I. North Front Street Gettysburg, PA 17325 Harrisburg,. PA. 1.7110 71.7 -334 -1518 717- 780 - 3940...800- 342 -2397 HC Page 6 of 6 7196 9006 9297 1692 8328 CitiMortgage, Inc. PRESORT PO Box 9090 First Ma Temecula, CA 92589-9090 U.S. Postage and Fees Paid W SO 2280194901 Send Payment to: CitiMortgage, Inc. PO Box 689196 Des Moines, IA 50368 -9196 Send Correspondence to: 20140110 -168 CltiMortgage, Inc. 'II1 fill rrIIIIIII 1r��11I�' 11' ll' llf��ll��l�llle�� '�'llrll�rlllrl 6400 Las Colinas Blvd. Irving, Tx 75039 MICHELLE SCHLUSSER 2 SHEA CT CARLISLE, PA 17015 -7410 CITIPAACT91 Date: 01/10/2014 MICHELLE SCHLUSSER 2 SHEA CT CARLISLE, PA 17015 -7410 RE: Property Address: 2 SHEA CT CARLISLE, PA 17013 CitiMortgage Loan #: ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is proAded in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help 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 this Notice. If you have any questions, you. may call the Pennsylvania Housing Finance Agency toll -free at 1- 800 - 342 -2397. (Persons with impaired hearing can call (717) 780 - 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 SUVA IMPORTANCIA, PUSS AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMEiNTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA CITIPAACT91 Page I of6 2280194901 1 HOUSING FINANCE AGENCY) SIN CARGOS AL NUME:RO M.ENCIONADO ARRIBA. PU:EDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S VNIFERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECH:O A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): MICH.E:LLE SCHLUSSER THOMAS G SCHLUSSER MICHELLE M SCHLUSSER THOMAS SCHLUSSER PROPERTY ADDRESS: 2 SH.EA CT CARLISLE, PA 17013 LOAN ACCT. NO.: - ORIGINAL LENDER: ABN AMRO MORTGAGE GROUP, INC. CURRENT LENDER/SERVI.CER: CitiMortgage, Inc. 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:EME:RG:ENCY 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 .NIEET 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 theproperty 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 CITIPAACT91 Page 2 of 6 2280194901 Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your face -to -face meeting with the counseling agency. YOU SHOULD FILE A HEM AP APPLICATION AS SOON AS POSSIBLE IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE ". YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN .BEYOND .THESE TIME PERIODS A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. ?VOTE: 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 un to date). NATURE OF THE DEFAULT -- The MORTGAGE debt held by the above lender on your property located at: 2 SHEA CT CARLISLE, PA 17013 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE :MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 09/01/13 through 11/01/13 3 C $1,904.23 /month 3 @ $71.42 /late charge /month $5,926.95 12/01/13 through 01/01/14 2 @ $1,957.35 /month 1 @ $71.42 /late charge/month $3,986.12 Other charges (explain /itemize): Unapplied funds in the amount of ($1,095.77) TOTAL AMOUNT :PAST DUE: $8,888.72 HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY (30) DAYS of the date of this notice r. CITIPAACT91 Page 3 of6 2280194901 BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $8,888.72, 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 1ayable and sent to: CitiMortgagc, Inc. P.O.:BOX 183040 Columbus, OH 43218 -3040 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 wilt. 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 mevent the sale at any time up to one hour before the Sheriffs 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 anv 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. 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 6 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: CitiMortgage, Inc. Address: P.O. Box 12218 Tucson, AZ 85732 -2218 Phone Number: 1- 877 -362 -0175 Fax Number: 1 -866 -940 -81.47 Contact Person: MarkAnthony Hartland E -Mail Address: markanthony .b.hartiand(aciti.com CIT.IPAACT91 Page 4of6 2280194901 Y EFFECT OF SHERI.FF'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 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 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 NLAY 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 SERVLIVG YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST This is an attempt to collect a debt and any information obtained will be used for that purpose. CITIPAACT91 Pap 5 of 2280194901 r HEMAP Consumer. Credit. Counseling Agencies CUMBERLAND. County Report last updated: JO/ 16/2 013 , 10:43 AM Advantage, Credit, Counseling Service/CCCS of Western PA Community. Action Commission of Capital Region 2000 Linglestown Road 1514 Derry. Street Harrisburg, PA.. 17102 Harrisburg, PA.. 17104 888 -511 -2227 71.7- 232 -9757 Housing Alliance. of. York/Y. Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York, PA 17401 Waynesboro, PA 1.7268 717- 855 -2752 717- 762 -3285 PathStone Corporation PathStone Corporation 1625 North. Front St 450 Cleveland Ave Harrisburg, PA 17102 Chambersburg. PA. 1.7201 717 -234 -6616 717- 264 -5913 PA Interfaith Community Programs .Inc P.HFA 40. E High Street 2.1.1. North. Front Street Gettysburg, PA 17325 Harrisburg, PA. 1.71.10 71.7- 334 -1518 71.7- 780 - 3940....8(10- 342 -2397 HC Page 6 of 6 2280194 901 Apr. 2. 2014 10:23AM MILSTEAD & ASSOCIATES, LLC No. 7424 1664 THE COURTS CitiMortgage, Inc., successor by merger to ABN AMRO MORTGAGE GROUP, INC. 1000 Technology Drive O'Fallon, MO 63368, Plaintiff, Vs. FORM 1 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Thomas Schlusser a/k/a Thomas G. Schlusser 2 Shea Court Carlisle, PA 17013, and Michelle Schlusser a/k/a Michelle M. Schlusser 2 Shea Court Carlisle, PA 17013, Defendants NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM L/4 CNIL You have been served with a foreclosure complaint that could cause you to lose your home. -3 N If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in a court- supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer, you must take the following steps to be eligible for a conciliation conference. First, within twenty (20) days of your receipt of this notice, you must contact MidPenn Legal Services at (717) 243-9400 extension 2510 or (800) 822 -5288 extension • 2510 and request appointment of a legal representative at no charge to you. once you have been appointed a legal representative, you must promptly meet with that legal representative within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within PENNSYLVANIA BULLETIN, VOL. 42, NO. 13, MARCH 31, 2012 Apr, 2. 2014 10:23AM MILSTEAD & ASSOCIATES, LLC No. 7424 P, 3 sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer, you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto, your lawyer will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward_ IF YOU WISH TO SAVE YOUR HOME, YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE. THIS PROGRAM IS FREE. 12.1 Let s Date Rob, rt W. Williams, squire Milstead & Associates, LLC 1 E. Stow Road Marlton, NJ 08053 856 -482 -1400 856- 482 -9190 (f) tfully submitted: PENNSYLVANIA )3IILY.ETIN, VOL. 42, NO. 13, MARCH 31, 2012 Apr, 2. 2014 10:23AM MILSTEAD & ASSOCIATES, LLC No. 7424 THE COURTS FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland County Court of Common pleas Docket # 1665 BORROWER. REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance, your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: CUSTOMER PRIMARY APPLICANT Borrower name(s): Property Address: City: State: Zip; Is the property for sale? Yes ❑ No ❑ Listing date: Price: $ Realtor Name: Realtor Phone: Borrower Occupied? Yes ❑ No ❑ Mailing Address (if different): City: Phone Numbers: Home: Cell: State: Zip: Email: # of people in household: Office: Other: How long? CO- BORROWER Mailing Address: City: Phone Numbers: Email: # of people in household: Home: Cell: Office: Other: State: Zip: How long? FINANCIAL INIORMA IION First Mortgage Lender: Type of Loan: Loan Number Second Mortgage Lender:. Type of Loan: Loan Number: Date You Closed Your Loan: Total Mortgage Payments Amount: $ Included Taxes & Insurance: Date of Last Payment: Primary Reason for Default: Is the loan in Bankruptcy? Yes ❑ No ❑ 88.32616 PENNSYLVANIA BULLETIN, VOL. 42, NO. 13, MARCH 31, 2012 Apr, 2. 2014 10:24AM MILSTEAD •& ASSOCIATES, LLC No. 7424 P. 5 1666 THE COURTS If yes, provide names, location of court, case number & attorney: Assets Amount Owed: Value; Home: $ $ Other Real Estate: $ $ Retirement Funds: $ $ Investments; S $ Checking: $ $ Savings: $ $ Other: $ $ Automobile #1: Model: Year: Amount Owed: Value: Automobile #2: Model: Year: Amount Owed: Value: Other transportation (automobiles, boats, motorcycles): Model: Year: Amount Owed: Value Monthly Income Name of Employees: 1. 3. Additional Income Description (not wages): 1. monthly amount: 2_ monthly amount: Borrower Pay Days: Co- Borrower Pay Days: Monthly Expenses; (Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Mortgage Food 2nd Mortgage Utilities Car Payment(s) Condo/Neigh. Fees Auto Insurance Med_ (not covered) Auto fuel/repairs Other prop. payment Install. Loan Payments Cable TV Child Support/Alim. Spending Money Day /Child CarelTuit. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income & Expenses: Have you been working with a Housing Counseling Agency? Yes 0 No ❑ If yes, please provide the following information: Counseling Agency: Counselor. Phone (Office): 88.32616 Fax: PENNSYLVANIA. BULLETIN, VOL. 42, NO. 13, MARCH 31, 2012 Apr, 2. 2014 10:24AM MILSTEAD & ASSOCIATES, LLC No. 7424 P. 6 THE COURTS 1667 Email: Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance? Yes ❑ No ❑ If yes, please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? Yes ❑ No ❑ If yes, please indicate the status of those negotiations: Please provide the following information, if laaow, regarding your lender or lender's loan servicing company: Lender's Contact (Name): Phone: Servicing Company (Name): Contact: Phone: AUTHORIZATION I/We, , authorize the above named to use /refer this information to my lender /servicer for the sole purpose of evaluating my financial situation for possible mortgage options_ I/We understand that I/we am/are under no obligation to use the services provided by the above named Borrower Signature Co- Borrower Signature Date Date Please forward this document along with the following information to lender and lender's counsel: ✓ Proof of income ✓ Past 2 bank statements ✓ Proof of any expected income for the last 45 days ✓ Copy of a current utility bill ✓ Letter explaining reason for delinquency and any supporting documentation (hardship letter) ✓ Listing agreement (if property is currently on the market) Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY c, r.3 rnir m 21'1 . -> tea : Vi: Za CD —ri c Citimortgage Inc Case Number vs. 2014 -1877 Thomas Schlusser (et al.) SHERIFF'S RETURN OF SERVICE 04/03/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Michelle Schlusser, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Served" at 2 Shea Court, West Pennsboro, Carlisle, PA 17013. The defendant is deceased. 04/10/2014 06:50 PM - Deputy Noah Cline, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Thomas Schlusser at 2 Shea Court, West Pennsboro, Carlisle, PA 17013. /� NOAH CLINE, DEPUTY SHERIFF COST: $50.78 SO ANSWERS, April 15, 2014 ici CountySuite Sheriff, Teieose", Inc. RONNY R ANDERSON, SHERIFF MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff � irk 2v `f li ,.� r ` 1 � ENNS'YL ND NM T y File No. 88.32616 CitiMortgage, Inc., successor by merger to ABN AMR() MORTGAGE GROUP, INC. Plaintiff, Vs. Thomas Schlusser a/k/a Thomas G. Schlusser and Michelle Schlusser a/k/a Michelle M. Schlusser, COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-1877f Civil Praecipe to Dismiss Michelle Schlusser a/k/a Michelle M. Schlusser from the Mortgage Foreclosure Action without Prejudice TO THE PROTHONOTARY: Kindly dismiss Michelle Schlusser a/k/a Michelle M. Schlusser only from the above captioned Mortgage Foreclosure Complaint without Prejudice. LSTEAD & ASSOCIATES, LLC Rob rt W. Williams, Esquire Attorney ID No. 315501 ifiscl.codit au4-1319s, 367a4K MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 File No. 88.32616 Ii _ x LED -OFFICE T H Pia THONG Til 2014 JUL 31 x111: 38 CUMBERLAND PENNSYLVAN/ INJ-y Attorney for Plaintiff CitiMortgage, Inc., successor by merger to ABN AMR() MORTGAGE GROUP, INC. 1000 Technology Drive O'Fallon, MO 63368, Plaintiff, Vs. Thomas Schlusser a/k/a Thomas G. Schlusser 2 Shea Court Carlisle, PA 17013, Defendant COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-1877 Civil PRAECIPE FOR JUDGMENT, IN REM, FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter Judgment, in rem, in favor of Plaintiff and against Thomas Schlusser a/k/a Thomas G. Schlusser, Defendant, for failure to file an Answer on Plaintiff's Complaint within 20 days from service thereof and for Foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: As set forth in Complaint $193,121.47 Interest 3/3/14 through 07/29/14 931.25 Escrow Advance 1,105.07 TOTAL $195,157.79 I hereby certify that (1) the addresses of the Plaintiff and Defendant is as shown above and (2) that notice has been given in accord. , 'th Rule 7.1. copy attached. RobrtW. Williams, Esquire Attorney for Plaint DAMAGES ARE HEREBY ASSESSED AS INDICATED DATE: Igi I14 PROTHONOTARY 6�10 s� aN" \ 3oQe V1\01► -1e MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff Our file number: 88.32616 CitiMortgage, Inc., successor by merger to ! COURT OF COMMON PLEAS ABN AMRO MORTGAGE GROUP, INC., i CUMBERLAND COUNTY Plaintiff, No.: 14-1877 Civil Vs. Thomas Schlosser a/k/a Thomas G. Schlosser, Defendant TO: Thomas Schlusser a/k/a Thomas G. Schlusser 2 Shea Court, Carlisle, PA 17013 DATE OF NOTICE: June 25, 2014 THIS FIRM IS A DEBT COLLECTOR A 1 IEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN AIIIhMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN, AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN A ["TEMPT TO COLLECT A DEBT, BUT ONLY AS ENFORCEMENT OF LIEN AGAINST PROPERTY. IMPORTANT NOTICE You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to 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. Page 1 of 3 • .1 CUMBERLAND COUNTY BAR ASSOCIATION 32 S. BEDFORD STREET CARLISLE, PA 17013 717-249-3166 MILSTEAD & ASSOCIATES, LLC By: Robert W. Williams, Esquire ID No. 315501 Attorney for Plaintiff Page 2 of 3 OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Prothonotary To: Thomas Schlusser a/k/a Thomas G. Schlusser 2 Shea Court Carlisle, PA 17013 CitiMortgage, Inc., successor by merger to ' COURT OF COMMON PLEAS ABN AMR() MORTGAGE GROUP, INC., CUMBERLAND COUNTY Plaintiff, No.: 14-1877 Civil Vs. Thomas Schlusser a/k/a Thomas G. Schlusser„ Defendant NOTICE PURSUANT TO RULE 236 Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. Prothonotary MORTGAGE FORECLOSURE JUDGMENT BY DEFAULT IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: Robert W. Williams, ESQ. 315501 MILSTEAD & ASSOCIATES, LLC 856-482-1400 Notice Pursuant To Fair Debt Collection Practices Act This is an attempt to collect a debt and any information obtained will be used for that purpose. a�� 7121 h(1 MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 File No. 88.32616 Attorney for Plaintiff CitiMortgage, Inc., successor by merger to COURT OF COMMON PLEAS ABN AMR() MORTGAGE GROUP, INC., CUMBERLAND COUNTY Plaintiff, Vs. No.: 14-1877 Civil Thomas Schlusser a/k/a Thomas G. Schlusser, Defendant VERIFICATION OF NON-MILITARY SERVICE Robert W. Williams, Esquire, hereby certifies that he is attorney for the Plaintiff in the above -captioned matter, and verifies the following facts to the best of his information and belief: 1. inquiry has been made with the Department of Defense, and it has been determined that Defendant is not in the Military or Naval Service of the United States or its Allies, and/or do not fall within the provisions of the Servicemembers Civil Relief Act of 2003, 50 USC App.§ 501 2. defendant, Thomas Schlusser a/k/a Thomas G. Schlusser, is over 18 years of age, . DATE: /SO ' Robert W. Williams, Esquire Department of Defense Manpower Data Center Status Report Purse to Servieeraernbers Civil Relief Act Last Name: SCHLUSSER First Name: THOMAS Middle Name: Active Duty Status As Of: Jul -30-2014 Results as of : Jul -30-2014 07:05:47 AM SCRA 3.0 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA • - No NA This response reflects the individuals' active duty status based on the Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA : NA _... - - No - NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Future Call -Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA NA - NA This response reflects whether the individual or his/her unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. v�. Mary M. Snavely -Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff File No. 88.32616 CitiMortgage, Inc., successor by merger to COURT OF COMMON PLEAS ABN AMR() MORTGAGE GROUP, INC. CUMBERLAND COUNTY Plaintiff, No.: 14-1877 Civil Vs. CIVIL ACTION MORTGAGE FORECLOSURE Thomas Schlusser a/k/a Thomas G. Schlusser Defendant CERTIFICATE OF SERVICE I, Robert W. Williams, Esquire, do hereby certify that the Complaint in Mortgage Foreclosure was served upon Defendant, Thomas Schlusser a/k/a Thomas G. Schlusser on April 10, 2014 by the Cumberland County Sheriff. A copy of the Service Returns are attached hereto and made a part hereof as Exhibit "A". I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18Pa.C.S. § 4904 relating to unsworn falsification to authorities. Robert W. Williams, Esquire Attorney for Plaintiff Ronny R Anderson Sheriff Jody GSmith Chief Depu Richard W Stewart Solicitor �����K��v�����K����������� �°" "~�"^"" " �~ OFFICE "��~� OF CUMBERLAND COUNTY " '.m �«�/ �m~~ fg:14.517i:ff= Citimortgage Inc «s. Thomas Schlusser (et al.) Case Number 20144877 SHERIFF'S RETURN OF SERVICE 04/03/2014 Sheriff RR Andduly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Michelle Schlusser, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore retums the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not SerVed" at 2 Shea Court, West Pennsboro, Carlisle, PA 17013. The defendant is deceased: 04/102014 06:50 PM - Deputy Noah Ctine, being duly sworn according tolaw, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing representing themsalves to be the Defendant, to wit: Thomas Schlusser at 2 Shea Court West Pennsboro CariIsIe PA 17013. SHERIFF COST$50J8 NOAH CLINE, DEPUTY SO ANSWERS, \ April 15.2O14 RONNYRANDERSON, SHERIFF (0 CounlySuite Sheriff, Teeosciff, 4' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CitiMortgage, Inc., successor by merger to CIVIL ACTION ABN AMRO MORTGAGE GROUP, INC. Plaintiff, vs. Thomas Schlusser a/k/a Thomas G. Schlusser, Defendant NO.: 14-1877 Civil PRAECIPE FOR WRIT OF EXECUTION (Mortgage Foreclosure) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: 1. Directed to the Sheriff of Cumberland County; 2. Against the Defendant(s) in the above -captioned matter; 3. and index this writ against the Defendant(s) as follows: Thomas Schlusser a/k/a Thomas G. Schlusser Real Property involved: 2 Shea Court Carlisle, PA 17013 DATE: Amount Due Interest from 7/30/14 to Date of Sale at $6.25 per diem (6%) TOTAL (Costs to be added) st.le. so cLfiliti ? 5-0.18 103. 15. Q. 5-o 14ff° o3 el. 50 1-1- $195,157.79 Respectively submitted, Milstead & Associates, LLC Ro ert W. Williams, Esquire Attorney for Plaintiff 1 E. Stow Road Marlton, NJ 08053 CIC -it /31.176 RA 3/ 2-//._ A.2. con_t' 4- All that certain lot of land situate in the West Pennsboro Township, Cumberland County, Pennsylvania, bounded and described according to Final Subdivision Plan for Phase Nos. 1 and 4 of Andrew Manor, prepared by Stephen G. Fisher, P.L.S., dated December 6, 1991, revised February 24, 1992 and recorded in Cumberland County Plan Book 64, Page 22, as follows, to -wit: Beginning at a point in the western right-of-way line of Shea Court at the southeastern corner of Lot No. 23 as set forth on the above -referred -to plan; thence along said Lot No. 23 north 26 degrees 03 minutes 16 seconds west 430.34 feet to a point in line of lands now or formerly of Mark L. Clouser; thence along lands now or formerly of Mark L. Clouser south 76 degrees 39 minutes 49 seconds east 164.17 feet to a point; thence continuing along lands now or formerly of Mark L. Clouser north 13 degrees 20 minutes 11 seconds east 175.00 feet to a point; thence continuing along lands now or formerly of Mark L. Clouser north 13 degrees 20 minutes 11 seconds east 24.59 feet to a point in the centerline of Clay Road (T-443); thence along said centerline of Clay Road (T-433) south 76 degrees 18 minutes 39 seconds east 199.95 feet to a point; thence along right-of-way of Clay Road (T-443) south 12 degrees 44 minutes 43 seconds west 21.29 feet to a point; thence along said court on a line curving to the right having a radius of 25.00 feet and an arc distance of 39.43 feet to a point; thence along right-of-way of said Shea Court south 13 degrees 07 minutes 22 seconds west 189.67 feet to a point; thence continuing along the right-of-way of said Shea Court on a line curving to the right having a radius of 426.05 feet and an arc distance of 325.34 feet to a point, the place of beginning. Title to said Premises vested in Thomas G. Schlusser and Michelle M. Schlusser, husband and wife by Deed from Raymond E. Diehl and Genevieve A. Diehl, husband and wife and Donald E. Diehl and Suzanne Diehl, husband and wife dated 03/20/1996 and recorded 04/22/1996 in the Cumberland County Recorder of Deeds in Book 137, Page 1111. Being known as 2 Shea Court, Carlisle, PA 17013 Tax Parcel Number: 46-08-0585-064 MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff File Number: 88.32616 FILED -OFFICE iF THE PRO THONG TAR 2014OCT -9 AM IJ: 53 CUMBERLAND .COUNTY PENNSYLVANIA CitiMortgage, Inc., successor by merger to ABN AMRO MORTGAGE GROUP, INC. Plaintiff, vs. COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-1877 Civil Thomas Schlosser a/k/a Thomas G. Schlusser AFFIDAVIT OF SERVICE Defendant PURSUANT TO RULE 3129.1 CitiMortgage, Inc., successor by merger to ABN AMRO Mortgage Group, Inc., Plaintiff in the above entitled cause of action, sets forth as of the date the Praecipe for Writ of Execution was filed the following information concerning the real property located at 2 Shea Court, Carlisle, PA 17013: 1. Name and address of Owners(s) or Reputed Owner(s): Thomas Schlusser a/k/a Thomas G. Schlusser 2 Shea Court Carlisle, PA 17013 2. Name and address of Defendant(s) in the Judgment: Same as above 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: CitiMortgage, Inc., successor by merger to ABN AMRO Mortgage Group, Inc. (Plaintiff herein) 1000 Technology Drive O'Fallon, MO 63368 Cumberland County Adult Probation 1 Courthouse Square Carlisle, PA 17013-3387 4. Name and Address of the last recorded holder of every mortgage of record: CitiMortgage, Inc., successor by merger First Tennessee Bank National Association to ABN AMRO Mortgage Group, Inc. 300 Court Avenue (Plaintiff herein) Memphis, TN 38103 1000 Technology Drive O'Fallon, MO 63368 5. Name and address of every other person who has any record lien on the property: None Known 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: None Known 7. Name and address of every person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Tenant/Occupant Cumberland County Tax Bureau 2 Shea Court 21 Waterford Drive, Suite 201 Carlisle, PA 17013 Mechanicsburg, PA 17050 Commonwealth of Pennsylvania Department of Welfare P.O. Box 2675 Harrisburg, PA 17105 West Pennsboro Township Tax Office P.O. Box 157 Plainfield, PA 17081 Big Spring School District 45 Mount Rock Road Newville, PA 17241 Department of Domestic Relations Cumberland County Courthouse 13 North Hanover Street Carlisle, PA 17013 Department of Revenue Bureau of Individual Taxes Inheritance Tax Division P.O. Box 280601 Harrisburg, PA 17128-0601 I verify that the statements made in the Affidavit are true and correct to the best of my personal knowledge or information and belief. 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. Date: \\"\\)-•8\ki\ Robert W. Williams, Esquire Attorney for Plaintiff NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: ALL PARTIES IN INTEREST AND CLAIMANTS OWNER(S) Thomas Schlusser a/k/a Thomas G. Schlusser PLA1NTIFF/SELLER: CitiMortgage, Inc., successor by merger to ABN AMRO Mortgage Group, Inc. DEFENDANT(S): Thomas Schlusser a/k/a Thomas G. Schlusser PROPERTY: 2 Shea Court Carlisle, PA 17013 (Improvements erected thereon) JUDGMENT AMOUNT: $195,157.79 CUMBERLAND COUNTY No.: 14-1877 Civil toD The above captioned property is scheduled to be sold at Sheriff's Sale on March 4, 2015 at 10:00 am in the Commissioner's Hearing Room, Cumberland County Courthouse, Carlisle, PA 17013. You may hold a mortgage or judgment on the property which will be extinguished by the sale. You may wish to attend the sale to protect your interest. A schedule of distribution will be filed by the Sheriff on a date specified by the Sheriff not later than 30 days after the sale. Distribution will be made in accordance with the schedule unless exceptions are filed hereto within 10 days after the filing of the schedule. Sincerely, ())6\ Robert W. Williams, Esquire MILSTEAD & ASSOCIATES, LLC 1 E. Stow Road Marlton, NJ 08053 88.32616 ' ra MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton, NJ 08053 (856) 482-1400 Attorney for Plaintiff File Number: 88.32616 OF THE P 0 HI NCI TAR r 2014OCT -9 ilH11 53 CUMBERLAND COUNTY PENNSYLVANIA CitiMortgage, Inc., successor by merger to ABN AMRO Mortgage Group, Inc. Plaintiff, vs. Thomas Schlusser a/k/a Thomas G. Schlusser Defendant COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 14-1877 Civil NOTICE OF SHERIFF'S SALE OF REAL PROPERTY PURSUANT TO PA.R.C.P.3129 TAKE NOTICE: Your house (real estate) at 2 Shea Court, Carlisle, PA 17013, is scheduled to be sold at sheriffs sale on March 4, 2015 at 10:00 am in the Commissioner's Hearing Room, Cumberland County Courthouse, Carlisle, PA 17013 to enforce the Court Judgment of $195,157.79 obtained by CitiMortgage, Inc., successor by merger to ABN AMRO Mortgage Group, Inc. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale you must take immediate action: 1. The Sale will be cancelled if you pay to Milstead & Associates LLC, Attorney for Plaintiff, back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call 856-482-1400. 2. You may be able to stop the Sale by filing a petition asking the court to strike or open the Judgment, if the Judgment was improperly entered. You may also ask the Court to postpone the Sale for good cause. 3. You may also be able to stop the Sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the Sale. (See notice on following page on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff s Sale is not stopped, your property will be sold to the highest bidder. You may find out the bid price by calling Milstead & Associates at 856-482-1400. 2. You may be able to petition the Court to set aside the Sale if the bid price was grossly inadequate compared to the market value of your property. 3. The Sale will go through only if the Buyer pays the Sheriff the full amount due on the Sale. To find out if this has happened, you may call Milstead and Associates at 856-482-1400. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the Sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a Deed to the Buyer. At that time, the Buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A Schedule of distribution of the money bid for your house will be filed by the Sheriff on a date specified by the Sheriff not later than thirty days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the Sale. YOU SHOULD TAKE THIS PAPER TO YOU LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO, OR TELEPHONE, THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 717-249-3166 THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PA DAVID D. BUELL, PROTHONOTARY One Courthouse Square • Suite100 • Carlisle, PA • 17013 (717) 240-6195 www.ccpa.net CitiMortgage, Inc., successor by merge to ABN AMR() MORTGAGE GROUP, INC. Vs. Thomas Schlusser a/k/a Thomas G. Schlusser WRIT OF EXECUTION NO 14-1877 Civil Term CIVIL ACTION — LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the judgment, interest and costs in the above matter you are directed to levy upon and sell the following described property: (1) See legal description. (2) (Specifically describe personal property when judgment results from a mortgage covering both personal and real property pursuant to Section 9604(a)of the Uniform Commercial Code) NOTE: Description of property must be attached to the writ. Amount Due: $195,157.79 L.L.: $.50 Interest from 7/30/14 to Date of Sale at $6.25 per diem (6%) Atty's Comm: Atty Paid: $209.03 Plaintiff Paid: Date: 10/9/2014 REQUESTING PARTY: Name: Robert W. Williams, Esq. Address: MILSTEAD & ASSOCIATES, LLC 1 E. Stow Road Marlton, NJ 08053 Attorney for: Plaintiff Telephone: 856-482-1400 Supreme Court ID No. 315501 Due Prothy: $2.25 Other Costs: David D. Buell, Prot]lonotary By: Deputy