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t . Supreme Court of'P.-.ennsylvania Caurf of•Cai1imoa Pleas __ For Prothonotary Use only: Cavil-C'bvet..Sheet Docket No: CUMBERLAN]5 :Y County U The information collected on this form is used solel};for court administration purposes. This form does not supplement or replace the filing and service of pleadings or other papers as required by law or rules of court. Commencement of Action: S El Complaint 0 Writ of Summons El Petition Transfer from Another Jurisdiction F1 Declaration of Taking E Lead Plaintiff's Name: U, S. BANK NATIONAL Lead Defendant's Name: C ASSOCIATION, AS TRUSTEE FOR THE PENNSYLVANIA' Jennifer K. Thrush and Jason S. Thrush T Hausyti@ Dollar Amount Requested: D within arbitration limits I Are money damages requested? 0 Yes 0 No (check one) Eloutside arbitration limits O N Is this a Class Action Suit? El Yes El No Is this an MD.TAppeal? [] Yes 0 No A. Name of PIaintMkppellant's Attorney: Leon P.Haller/Jill M.Wineka Check here if you have no attorney(are a Self-Represented [Pro Se] Litigant) Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT(do not include Mass Tort) CONTRACT(do not include Judgments) CIVIL APPEALS Intentional Q Buyer Plaintiff Administrative Agencies Q Malicious Prosecution Debt Collection:Credit Card )] Board of Assessment Q Motor Vehicle ]Debt Collection:Other Board of Elections 0 Nuisance F-1 Dept.of Transportation © Premises Liability Statutory Appeal:Other 5 k] Product Liability(does not include �Employment Dispute: mass tort) Slander/LibeUDefamation Discrimination Other. Employment Dispute:Other Zoning Board T other.. x Other. o MASS TORT 0 Asbestos N [j Tobacco F1 Toxic Tort-DES Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS Toxic Waste Ejectment M Common Law/Statutory Arbitration Other: Eminent Domain/Condemnation Declaratory Judgment B [3 Ground Rent Mandamus n Landlord/TenantDispute Q Non-Domestic Relations 0 Mortgage Foreclosure:Residential Restraining Order PROFESSIONAL LL4BLITY r.1 Mortgage Foreclosure:Commercial Quo Warranto © Dental Partition Replevin F1 Legal Quiet Title rl Other: n Medical F-1 Other. 0 Other Professional: Updated 1/12011 Leon P. Haller, Esquire [f1,(t Purcell,Krug&Haller 1719 North Front StreetL COUNT,,Harrisburg,PA 17102 717.234.4178 v '�! mtg@pkh.com U.S. BANK NATIONAL ASSOCIATION, AS IN THE COURT OF COMMON PLEAS TRUSTEE FOR THE PENNSYLVANIA HOUSING OF CUMBERLAND COUNTY,PENNSYLVANIA FINANCE AGENCY Plaintiff CIVIL ACTION-LAW vs. ACTION OF MORTGAGE FORECLOS JENNIFER K. THRUSH AND JASON S. THRUSH, lq- �U X2S / -Z Defendants THIS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTINGTO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. 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 the 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 claim in the Complaint of for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE,GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE,PA 17013 717-249-3166 AVISO LE HAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA DEMANDA Y AVISO. PARA DEFENDERSE ES NECESSARIO QUE USTED, 0 SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRITA,EL PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU PARTICIPACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO,DECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION,ES POSSIBLE QUE USTED PUEDA PERDER DINERO,PROPIEDAD U OTROS DERECHOS IMPORTANTES. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATEAMENTE. SI NO CONOCE A UN ABOGADO,LLAME AL"LAWYER REFERENCE SERVICE"(SERVICIO DE REFERENCIA(t) DE ABOGADOS),(215)238-6300. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE 0-M4 la3.7sf4-1/ CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE,PA 17013 G 717-249-3166 K-W3ds� U.S. BANK NATIONAL ASSOCIATION, AS IN THE COURT OF COMMON PLEAS TRUSTEE FOR THE PENNSYLVANIA HOUSING CUMBERLAND COUNTY, PENNSYLVANIA FINANCE AGENCY, Plaintiff CIVIL ACTION LAW vs. ACTION OF MORTGAGE FORECLOSURE JENNIFER K. THRUSH AND JASON S. THRUSH, Defendants THE FOLLOWING NOTICE IS BEING PROVIDED PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. 1601 The undersigned attorney is attempting to collect a debt owed to the Plaintiff, and any information obtained will be used for that purpose. The amount of the debt is stated in this Complaint. Plaintiff is the creditor to whom the debt is owed. Unless the Debtor, within thirty (30) days after your receipt of this notice disputes the validity of the aforesaid debt or any portion thereof owing to the Plaintiff, the undersigned attorney will assume that said debt is valid. If the Debtor notifies the undersigned attorney in writing with the said thirty(30) day period that the aforesaid debt, or any portion thereof, is disputed, the undersigned attorney shall obtain written verification of the said debt from the Plaintiff and mail same to Debtor. Upon written request by Debtor to the undersigned attorney within said thirty(30) day period, the undersigned attorney will provide debtor with the name and address of the original creditor if different from the current creditor. PURCELL, KRUG &HALLER 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 Attorney I.D.# 15700 Attorney for Plaintiff U.S. BANK NATIONAL ASSOCIATION, AS IN THE COURT OF COMMON PLEAS TRUSTEE FOR THE PENNSYLVANIA HOUSING CUMBERLAND COUNTY, PENNSYLVANIA FINANCE AGENCY, Plaintiff CIVIL ACTION - LAW vs. ACTION OF MORTGAGE FORECLOSURE JENNIFER K. THRUSH AND JASON S. THRUSH, Defendants COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, pursuant to a Trust Indenture dated as of April 1, 1982 and as amended by Supplemental Indenture of Trust dated March 1, 2007, is acting through the Pennsylvania Housing Finance Agency ("Agency"), its appointed Limited Power of Attorney, with an address of 211 North Front Street, Harrisburg, Pennsylvania 17101. The Limited Power of Attorney executed October 4, 2006 between the Plaintiff and the Agency is recorded in the Recorder of Deeds Office of the within County and Commonwealth on October 11, 2006 in Book 731, Page 421. The Limited Power of Attorney is incorporated herein by reference pursuant to Pa.R.C.P. 1019(g). 2. Defendants, JENNIFER K. THRUSH and JASON S. THRUSH, are adult individuals whose last known address is 151 EAST PENN STREET, CARLISLE, PA 17013. 3. On or about, June 13, 2008, the said Defendants executed and delivered a Mortgage Note in the sum of $89,195.00 payable to AMERICAN HOME BANK,N.A., which Note is attached hereto and marked Exhibit "A". 4. Contemporaneously with and at the time of the execution of the aforesaid Mortgage Note, in order to secure payment of the same, Defendants made, executed, and delivered to original Mortgagee, a certain real estate Mortgage which is recorded in the Recorder of Deeds Office of the within County and Commonwealth on June 16, 2008 as Instrument Number 200820145 conveying to original Mortgagee the subject premises. The Mortgage was subsequently assigned to PENNSYLVANIA HOUSING FINANCE AGENCY and was recorded in the aforesaid County on June 16, 2008 as Instrument Number 200820148. The Mortgage was further assigned to U.S. BANK,NATIONAL ASSOCIATION, TRUSTEE FOR PENNSYLVANIA HOUSING FINANCE AGENCY and will be sent for recording, which Assignment is attached hereto and marked Exhibit`B". The said Mortgage and Assignment are incorporated herein by reference. 5. The land subject to the Mortgage is: 151 EAST PENN STREET, CARLISLE, PA 17013 and is more particularly described in Exhibit"C"attached hereto. 6. The said Defendants are the real owners of the property. 7. The Mortgage is in default due to the fact that Mortgagors have failed to pay the installment due on August 01, 2012 and all subsequent installments thereon, and the following amounts are due on the Mortgage: UNPAID PRINCIPAL BALANCE $83,464.23 Interest at $13.33 per day $9,331.00 From 07/01/2012 To 06/01/2014 ( based on contract rate of 5.7500%) Accumulated Late Charges $394.86 Late Charges $20.82 $437.22 From 08/01/2012 to 06/01/2014 Escrow Deficit $3,962.56 Attorney's Fee at 5% of Principal Balance $4,173.21 TOTAL $101,763.08 "Together with interest at the per diem rate noted above after June 01, 2014 and other charges and costs to date of Sheriff's Sale. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff's Sale. If the Mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged that are actually incurred by Plaintiff. 8. Notice of intention to foreclose and to accelerate the loan balance was sent to the Defendants by letters dated May 21, 2013 as required by Pennsylvania Act No. 6 of 1974, as amended. A copy of the May 21, 2013 Act 6 Notices is attached hereto and marked Exhibit "D". 9. The within Mortgage is insured by the Federal Housing Administration under Title II of the National Housing Act and, as such, is not subject to the provisions of Pennsylvania Act No. 91 of 1983. 10. The Defendants are not members of the Armed Forces of the United States of America, nor engaged in any way which would bring them within the Service Members Civil Relief Act, as amended. Copies of the website reports from the Department of Defense Manpower Data Center, confirming non-active military duty are attached as Exhibit"E". WHEREFORE, Plaintiff demands judgment in mortgage foreclosure "IN REM" for the aforementioned total amount due together with interest at the rate of 5.7500% ($13.33 per diem), together with other charges and costs including escrow advances incidental thereto to the date of Sheriff's Sale and for foreclosure and sale of the property within described. By: PURCELLee ,,-Esquire UG & HALLER Leon P. H I.D. # 15700 Jill M. Wineka I.D. #58802 Attorneys for Plaintiff 1719 N. Front Street Harrisburg, PA 17102 (717-234-4178) Loan ID # 0000394643 Multistate NOTE FAA Case No. 441-8346163 O �l i 9ga531 June 13th, 2008 Carlisle, PA [Date] [City] [State] 151 East Penn Street, Carlisle, Pennsylvania 17013 [Property Address] 1. PARTIES "Borrower" means each person signing at the end of this Note,and the person's successors and assigns. "Lender" means American Home Bank, N.A. and its successors and assigns. 2. BORROWER'S PROMISE TO PAY;INTEREST In return for a loan received from Lender, Borrower promises to pay the principal sum of Eighty Nine Thousand One Hundred Ninety Five- - - - - - - - - - - - - - - - - - - -- - Dollars (U.S.$ 89,195.00 )plus interest,to the order of Lender. Interest will be charged on unpaid principal,from the date of disbursement of the loan proceeds by Lender, at the rate of Five and three quarters percent( 5.750 %,)per year until the full amount of principal has been paid. 3. PROMISE TO PAY SECURED Borrower's promise to pay is secured by a mortgage,deed of trust or similar security instrument that is dated the same date as this Note and called the"Security Instrument." The Security Instrument protects the Lender from losses which might result if Borrower defaults under this Note. 4. MANNER OF PAYMENT (A) Time Borrower shall make a payment of principal and interest to Lender on the first day of each month beginning on August lat, 2008 . Any principal and interest remaining on the first day of July, 2038 will be due on that date,which is called the"Maturity Date." (B) Place Payment shall be trade at 3840 Hempland Road, Mountville, PA 17554 or at such place as Lender may designate in writing by notice to Borrower. (C) Amount Each monthly payment of principal and interest will be in the amount of U.S.$ 520.52 This amount will be part of a larger monthly payment required by the Security Instrument,that shall be applied to principal, interest and other items in the order described in the Security Instrument. (D) Allonge to this Note for Payment Adjustments If an allonge providing for payment adjustments is executed by Borrower together with this Note,the covenants of the allonge shall be incorporated into and shall amend and supplement the covenants of this Note as if the allonge were a part of this Note. [Check applicable box] ❑Graduated Payment Allonge ❑Other[specify] ❑Growing Equity Allonge 5. BORROWER'S RIGHT TO PREPAY Borrower has the right to pay the debt evidenced by this Note,in whole or in part,without charge or penalty,on the first day of any month. Lender shall accept prepayment on other days provided that Borrower pays interest on the amount prepaid for the remainder of the month to the extent required by Lender and permitted by regulations of the Secretary. If Borrower makes a partial prepayment,there will be no changes in the due date or in the amount of the monthly payment unless Lender agrees in writing to those changes. 6. BORROWER'S FAILURE TO PAY (A) Late Charge for Overdue Payments If Lender has not received the full monthly payment required by the Security Instrument,as described in Paragraph 4(C)of this Note by the end of Fifteen calendar days after the payment is due, Lender may collect a late charge in the amount of Four percent( 4.000 %)of the overdue amount of each payment. (B) Default If Borrower defaults by failing to pay in full any monthly payment, then Lender may,except as limited by regulations of the Secretary in the case of payment defaults,require immediate payment in full of the principal balance remaining due and all accrued interest. Lender may choose not to exercise this option without waiving its rights in the Initials:Z T 3T- FHA Multistate Rate Note-12/95 AAFNIG-09142001 Page 1 of 2 www.MortgageB=kingSystems.com Loan SD # 0000394643 event of any subsequent default. In many circumstances regulations issued by the Secretary will limit Lender's rights to require immediate payment in full in the case of payment defaults. This Note does not authorize acceleration when not permitted by HUD regulations. As used in this Note, "Secretary" means the Secretary of Housing and Urban Development or his or her designee. (C) Payment of Costs and Expenses If Lender has required immediate payment in full,as described above,Lender may require Borrower to pay costs and expenses including reasonable and customary attorneys'fees for enforcing this Now to the extent not prohibited by applicable law. Such fees and costs shall bear interest from the date of disbursement at the same rate as the principal of this Note. 7. WAIVERS Borrower and any other person who has obligations under this Note waive the rights of presentment and notice of dishonor. "Presentment" means the right to require Lender to demand payment of amounts due. "Notice of dishonor" means the right to require Lender to give notice to other persons that amounts due have not been paid. S. GIVING OF NOTICES Unless applicable law requires a different method,any notice that must be given to Borrower under this Note will be given by delivering it or by mailing it by first class mail to Borrower at the property address above or at a different address if Borrower has given Lender a notice of Borrower's different address. Any notice that must be given to Lender under this Note will be given by first class mail to Lender at the address stated in Paragraph 4(B)or at a different address if Borrower is given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note,each person if fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor,surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations,including the obligations of a guarantor, surety or endorser of this Note,is also obligated to keep all of the promises[Wade in this Note. Lender may enforce its rights under this Note against each person individually or against all signatories together. Any one person signing this Note may be required to pay all of the amounts owed under this Note. BY SIGNING BELOW,Borrower accepts and agrees to the terms and covenants contained in this Note. s "� (Seal) J son S Thrush -Borrower (Seal) 4J�ifQfrk LThrush -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower MFNZG-09142001 Page 2 of 2 www.MortgageBanklagSystems.com ALLONGE TO NOTE This allonge makes reference to the following Note: Borrower(s): Jason S.Thrush Jennifer K.Thrush Loan#: 1782531 Property Address: 151 East Penn Street Carlisle,PA 17013 Loan Amount: $89,195.00 Note Date: June 13,2008 Therefore,in reference to the captioned Note,the following applies: Pay Without Recourse to Pennsylvania Housing Finance Agency this 3rd Day of July,2008 Ame ' Hom B ,N.A. ouglass L Gray, Record Prepared by&Return to: U.S.Bank National Association c/o PHFA-Loan Servicing Division 211 North Front Street,P.O.Box 15057 Harrisburg,Pennsylvania 17105-5057 717-780-3800 or 1-800-346-3597 PIN/ID Number: 02201800209 1782531 Above space is intentionally left blank for recording data. ASSIGNMENT OF MORTGAGE For value received, PENNSYLVANIA HOUSING FINANCE AGENCY ("PHFA"), hereby grant, sell, convey, assign and deliver unto the U.S. BANK NATIONAL ASSOCIATION, (Trustee for the Pennsylvania Housing Finance Agency, pursuant to a Trust Indenture dated as of April 1, 1982), its successors and assigns, the following described Mortgage,together with the Note secured thereby: Name of Original Mortgagor(s): JASON S.THRUSH JENNIFER K.THRUSH Secured by the real property located at: 151 EAST PENN STREET,CARLISLE,PA 17013 Original Mortgagee: AMERICAN HOME BANK,N.A. Municipality of: CARLISLE Original Principal Amount: $89,195.00 County Recorded in: CUMBERLAND Mortgage Recorded: June 16,2008 Instrument#: 200820145 Last Assignment to: PA Housing Finance Agency Instrument#: 200820148 IN WITNESS WHEREOF, the said Pennsylvania Housing Finance Agency, has caused this Assignment of Mortgage to be executed by its duly authorized officer. (Series: 102,PHFA) [BRESLIN] DATED: March 13,2014 By: PENNSYLVANIA HOUSING FINANCE AGENCY Xmtoo Thomas F.Brzana,Jr. V &101 Director of Loan Servicing Division COMMONWEALTH OF PENNSYLVANIA COUNTY OF DAUPHIN } On this,the l day oA O l.r` 014,before me,the undersigned officer,personally appeared Thomas F. Brzana, Jr., Director of Loan Servicing Division, an authorized officer of the Pennsylvania Housing Finance Agency, and acknowledged that he, being authorized to do so, executed the foregoing instrument for the purposes therein contained. In witness whereof,I have hereunto set my hand and official seal. 1 UNotary Public COMMONWEA4.:TH OF PENNSYLVANIA �� Notariai Seal 1 Kimberley A.Ayala,Notary Public City of Harrisburg,Dauphin County my commission Expires San.15,2015 CERTIFICATE OF RESIDENCE OF ASSIGNEE MEMBER,PENNSYLVANIA r� P rIOiE OF N01AKZES I certify that the principal business and mailing address for this assignment and assignee is: U.S.Bank National Association,c/o PHFA-Loan Servicing Division 211 North Front Street,P.O.Box 15057,Harrisburg,Pennsylvania 17105-5057 Authorized Officer ALL THAT CERTAIN lot or pi ce of ground situate in the First Ward of Carlisle Borough, County of Cumberland,Commonwealth of Pen ylvania,bounded and described as follows: ON the South by East Penn Street; on the East by lot now or formerly of Mrs. Tim Spahr; on the North by an 18 foot Alley,and on the West by lot no or formerly of Harry Lightner. CONTAINING 20 feet in front on sa Penn Street and extending at an even width 120 feet in depth to the 18 foot Alley aforesaid. Said house erecte on said lot being a two story frame dwelling with other improvements, and being known and numbered as 151 ast Penn Street,Carlisle,Pennsylvania. - �Cxhi �i� G F enns3Tmnia Horsing Finance Agency Accounting & Loan Servicing 211 North Front Street,P.O. Box 15057 Harrisburg, PA 17105-5057 (800)346-3597 FAX(717) 780-3899 —" TTY(717) 780-1869 CERTIFIED MAIL- RETURN RECEIPT REQUESTED 5/21/2013 RE: Account No. 1782531 JASON S. THRUSH JENNIFER K.THRUSH 151 E PENN ST CARLISLE, PA 17013-2435 RE: 151 EAST PENN STREET CARLISLE, PA 17013-2435 Dear Occupant(s): NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by U.S. Bank National Association (hereinafter We, Us or Ours) on your property located at 151 EAST PENN STREET, CARLISLE, PA 17013-2435, IS IN SERIOUS DEFAULT because you have not made the monthly payments of $820.00 for 8/2012 through 5/2013 for a total of $8,000.00. Late charges and NSF charges that have accrued to this date in the amounts of $561.42 and $.00 respectively, are also due. The total listed below includes all fees (including inspections and securing that needed to be completed) less any funds we are holding in suspense. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter is $8,158.30. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the total amount of$8,158.30, plus any additional monthly payments, expenses and late charges which may fall due during this period. Such payment must be made either by cash in our office, cashier's check, certified check or money order and made at: PENNSYLVANIA HOUSING FINANCE AGENCY 211 NORTH FRONT STREET/P.O. BOX 15057 HARRISBURG, PA 17105-5057 1-800-822-7375 or TTY(800)346-3597 If you do not cure the default within THIRTY (30) DAYS, We intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgageed property. If the mortgage is foreclosed, your mortgage property will be sold by the sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees, even if they are over$50.00. Any attorney's fee will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default within the thirty-day period, you will not be required to pay attorney fees. FH AACT/dtmdocs/ALSV/ We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty-day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the sheriffps foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments and any late or other charges then due as well as the reasonable attorney's fees and costs connected with the foreclosure sale and perform any other requirements under the mortgage. It is estimated that the earliest date that such a Sheriff's sale could be held would be approximately five months from the date of this Notice. A notice of the date of the Sheriff sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: 1-800-822-7375. This payment must be made payable in cash in our office, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY_ ACTING ON YOUR BEHALF. If you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year. You have the right to assert in any foreclosure proceeding or any other lawsuit instituted under the mortgage documents, the nonexistence of a default or any other defense you believe you may have to any such action. If you maintain credit, life or disability insurance in connection with your mortgage loan, your failure to pay premiums with your payments may have already resulted or may result in the future in the lapse or a cancellation of that insurance by the insurance company. If the insurance lapses or is cancelled, reinstatement of the loan will not reinstate the insurance, and you will have to apply to the insurance company and qualify for replacement insurance if you wish to retain it. If you make partial payments on account of the delinquencies, we may accept them and apply them to the delinquencies. However, such partial payments will not cure your default or reinstate your loan. The loan will not be reinstated unless we receive the entire amount required to cure the default. Sincerely, Gz, Mr. Thomas L. Gouker Manager of Collections PENNSYLVANIA HOUSING FINANCE AGENCY 211 North Front Street/ P.O. Box 15057 Harrisburg, PA 17105-5057 TLG/ F H AACT/dtmdocs/ALSV/ rennsyiv nia ou' Ri ng Finance Amy Accounting & Loan Scrvidn2 211 North Front Street, P.O. Box 15057 -Harrisburg,-Ptt-171-05-5057 (800) 346-3597— X7FA ( 17) 780-3899 TTY(717) 780-1869 NOTICE 5/21/2013 JASON S. THRUSH JENNIFER K. THRUSH 151 E PENN ST CARLISLE, PA 17013-2435 RE: Account #1782531 TO: JASON S. THRUSH JENNIFER K. THRUSH 151 EAST PENN STREET CARLISLE, PA 17013-2435 FROM: PENNSYLVANIA HOUSING FINANCE AGENCY The Federal Housing and Development Act of 1987 (as amended) directs creditors to notify homeowners who are delinquent in their mortgage obligation of the availability of homeownership counseling provided by nonprofit organizations approved by the Secretary of the Department of Housing and Urban Development ("HUD") and experienced in the provision of homeownership counseling. Attached is a current list of HUD-approved counseling agencies for Pennsylvania. If these agencies are not near you, you can call HUD's toll free number (800) 569-4287 for financially distressed mortgagors for information concerning HUD-approved housing counseling agencies. Attachment: Housing Counseling List FHAACT/dtmdocs/ALSW ** PLEASE BE SURE THE AGENCY OF YOUR CHOICE SERVICES YOUR COUNTY - CCCS OF WESTERN PA-HARRISBURG NACA. 2000 LINGLESTOWN RD. 1341 N DELAWARE AVE;SUITE 312 HARRISBURG,PA.17110 PHILADELPHIA,PA.19125 Phone:888-599-2227 Phone:888-297-5568 HOUSING ALLIANCE OF YORK PHILADELPHIA COUNCIL OF COMMINITY DEVELOPMENT 34 S.Duke St. ONE PENN CENTER;1617 JFK BLVD;SUITE 1550 York,PA 17401-1106 PHILADELPHIA,PA.19103-1828 Phone:800-864-4909 Phone:800-930-4663 TABOR COMMUNITY SERVICES 208 E King St. Lancaster,PA 17608-1676 Phone:717-397-5182 FH AACT/dtmdocs/ALS V/ i ' i i _ a { 3 2. Article Number �� °xG ' o` • • e A Received by I?lease Pr'nt Clearly) B. Date of Delivery C. Si rt Agent j 7196 9008 9111 9526 6327 x ❑Addressee 1 D. Is de rvery address different from item 1? Yes If 1 If YES,enter delivery address below: ❑No 3. Service Type CERTIFIED MAILTm 4. Restricted Delivery?(Extra Fee) ❑Yes ? 1. R" I Addressed to: JndON S THRUSH 151 E PENN ST CARLISLE, PA 17013 1782531 HANES2 i PS Form 3811,January 2005 Domestic Return Receipt --- 2. Article Number e e • A. Received b Please rint Clearly} B. Date of Delivery C. Si aure 1 /� 7196 9008 9111 9526.,6338b x n ° C3^° Addressee° D. I de ivery address different from item 1? ❑Yes If YES,enter delivery address below: ❑No 3. Service Type CERTIFIED MAILTM 4. Restricted Delivery?(Extra Fee) ❑Yes 1. Article Addressed to: JENNIFER K THRUSH 151 E PENN ST CARLISLE, PA 17 013 1782531 HANES2 j P'Form 3811,January 2005 Domestic Retum Receipt � I ! i �•n r Da DMmmwmmm n 3V7 Iv W (1) am a7 a s o a a o •oo ca IG II !D a Y• a O NV 7 w L 7 •• W z m m N 7 N 7 F N7 N•N7 7 O co a0 M X N .. .. .. .. F-... I-+.. S#F N a, VI N. v __...7196 9908 9111 9526 6334 v�• N .. r D 7 V o 7 rt � n r n f•' Z H N D Vt D In U. m o o r N r 0 z r� r M L- -0" N o N v In O n r r 7 m D D N tU 7 H m`••+ m ri Z -V N O z D O -4 C < TO: JENNIFER K THRUSH O-n rt m m m -Ni C -n L z co II II < a _ 151 E PENN ST c� o� �• z m m o It u rt n o z 'oma' M x W w u n 0 z CARLISLE, PA 17 013 D N mel rn z .� n u o a z� u u a -I z m u it rt •0 u 11 o rh in N r+ n n o -nN• -I rP N 11 u r M O S 7 N 3 N II A N-0 ry > mo 7C DN U1 M Y U W7 m in < If II m m x x n u rt SENDER' HANES2 < Z rP a z N u II c c ollm u � ra 0 in a,N n ;ou m oil om x x arms REFERENCE. 17 8 2 5 31 D n "'11 D ii c-0 a Il r u zD rt CL r ,� w D It u 00 c V v a1 Vt II !?0 11 NM C -n D o o C U II < rt PS Form 3800 January 2005 r*j CL"a W L4 w a It X It o II 7 N N O O II O II C'1 '0 wo It II RETURN Postage z m r > > u T II o x mw w w wumw •n RECEIPT Certified Fee rt to ui to r r II X It D SERVICE r- m N• �• u -t II N Return Receipt Fee M M 7 O II II N Restricted Delivery - v rt u > u ~ 6 11 � �' z� A o, lu u a u Total Postage&Fees -n-4 m C m m ~ ~ u 11 ,amu r a � a uDu � p POSTINARK'OR;DATE O X 7 7 lu Iv r m II N rt It U rt o u gar 00 z z w CO III i n rt u N �• a\w u u o py H r-4 II 11 In No Insurffince Coverage Pro D a u u \ 00 Not U rn for Ino® a4ion9 9a1 0 M 7 N r n u o mm wwu u \ J J t+ --_____•7196 9 108 9111 9526 6327 o a ' ' MM 0 o W w co co 0 0\ a\ w m r In ••b o \\ \ P.m TO*- JASON S THRUSH o J J N J J 47 In o N W \\ •• \ W 151 E PENN ST co W N �0 W CARLISLE, PA 17013 SENDER; HANES2 REFERENCE: 17 8 2 5 31 PS Form 3800 January 2005 RETURN Postage .46 RECEIPT Certified Fee 3 .10 SERVICE Return Receipt Fee 2 . 55 Restricted Delivery Total Postage&Fees PO TM OR No Insurance Coverage Provided Do Not Use+for Inte aif=l 119a Department of Defense Manpower Data Center Results as of:Mar-27-2014 07:27:18 AM SCRA 3.0 'urstfrlx to Serviceinembers Civil Relief Act Last Name: THRUSH First Name: JENNIFER Middle Name: Active Duty Status As Of: Mar-27-2014 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 Das of Active Du Status Date Active Duty Start Date Active DutyEnd Date Status Service Component NA NA No I 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 No 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. R . Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 �xhi bid. � Department of Defense Manpower Data Center Results as of:Mar-27-2014 07:26:46 AM SCRA 3.0 Statins-Report — - ,' P -tet to Servicememb Civil Relief Act Last Name: THRUSH First Name: JASON Middle Name: Active Duty Status As Of: Mar-27-2014 On Active Du On Acli eDutyStat..Date - Active Duty Start Date Active Duty End Date .Status Service Component This response reflects the individuals'active du 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 _ .s p' _'1-+' - - No 'Lc t�# NA This response reflects where the individual left active-d W status Yvithin'367-d'ays preceding the Active s Status Date The Member or His/Her Unit Was Notified of a Future CalWp to Active Duty on Active Duty status Date Order Notification Start Date Order Notification End Date - Status Service Com nt NA NA I NA This response reflects whether the individual or his/erim8 has received early nctificefion to report for active duty ''t•_:,, �j..,�.-y"-moi,..',',;.�r`�=;�.+':'�*./rte 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. )4' Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 041125 Arlington,VA 22350 Department of Defense Manpower Data Center Results as of:May-08-201406:45:43 AM SCRA 3.0 1' Stena.Repoit 1, Fent to Senicemembera Civil ReliefAct- Last Name: THRUSH First Name: JASON Middle Name: Active Duty Status As Of: May-08-2014 On Active Duty On Active Duty Status Date - Active Duty Start Date Active Duty End Date Status Service Component NA NK', _ - -No NA This response re0ec[s the lridividuals'active a*status based on the Active Duty Status Dale Left Active Duty Within 367 De of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA - 'NA '.:.� -r`. _ �Nt o -• '' NA • - '. .,. This response reflects where the Individual left active duty status within 367 days preceding the Active Duty Status Date ', - , .fit_ ^a:w•;�p k4,- - 'I} i^ - ij 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 No NA This response reflects whether thelndividual or his/her Onit 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 Dirty. A Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 • Department of Defense Manpower Data Center Results as of:May-08-2014 06:46:23 AM SCRA 3.0 r tats Rtpolf T t to Servicememben Civil Relief Act Last Name: THRUSH First Name: JENNIFER Middle Name: Active Duty Status As Of: May-08-2014 On Active Duty On Active Duty Status Dale Active Duty Start Date - Active Duty End Date Status - - Service Component NA NA-' -- -- - - -No NA This response refiecLsihe 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 No NA This response reflects whether the individual or his/her unit has received early not4ication 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. Y6* JY4. Y"4_4(e� Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 r U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY VERIFICATION I verify that the statements made in the foregoing Complaint are true and correct upon my personal knowledge and upon 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. PENNSYLVANIA HOUSING FINANCE AGENCY, Attorney-in-Fact for U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY Dated By Thomas F. Brzana, Jr., Director of Loan Servicing for the Pennsylvania Housing Finance Agency, Attorney-in- Fact for U.S. Bank National Association, as Trustee for the Pennsylvania Housing Finance Agency THRUSH 1782531 U.S. BANK NATIONAL ASSOCIATIONi.AS TRUSTEE IN THE COURT OF COMMON PLEAS OF FOR THE PENNSYLVANIA HOUSING FINANCE AGENCY, CU M BERLAN D COU NTY,PENNSYLVANIA C- Plaintiff(s) - JENNIFER K. THRUSH 1hd JASON S. THRUSH, Defendant(s) N/ Civil C-) Cr G NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE - { . DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action,you may be able to participate in a court-supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer you must take the following steps to be eligible for a Conciliation Conference. First,within twenty(20)days of your receipt of this notice,you must contact MidPenn Legal Services at(717)243-9400 extension 2510 or(800)822-5288 extension 2510 and request appointment of a legal representative, at no charge to you. Once you have been appointed a legal representative, you must promptly meet with 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 sixty(60)days of the service upon you of the foreclosure complaint. IF you do so and a conciliation conference is scheduled,you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer, you and your lawyer must take the following steps to be eligible for a Conciliation Conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However,you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto,your lawyer will prepare and file a Request for Conciliation Conference with the Court,which must be filed with the Court within sixty(60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled,you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME, YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE. THIS PROGRAM IS FREE. Respectfully s ed: 5/8/14 Date Leon P. Haller / Jill M. Wineka Attorney- for Plaintiff Purcell, Krug and Haller 1719 North Front Street Harrisburg PA 17101 PA ID 15706 / 58802 U.S. BANK NATIONAL ASSOCIATION, AS TRUSTE& THE COURT OF COMMON PLEAS OF FOR THE PENNSYLVANIA HOUSING FINANCE CUMBERLAND COUNTY,PENNSYLVANIA AGENCY.,. Plaintiff(s) VS. JENNIFERL' K. THRUSH and JASON S. THRUSH; Defendant(s) Civil REQUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order datedd C 2012 governing the Cumberland County Residential Mortgage Foreclosure Diversion Program, the undersigned hereby certifies as follows: 1. Defendant is the owner of the real property which is the subject of this mortgage foreclosure action; 2. Defendant lives in the subject real property, which is defendant's primary residence; 3. Defendant has been served with a "Notice of Residential Mortgage Foreclosure Diversion Program: and has taken all of the steps required in that Notice to be eligible to participate in a court-supervised conciliation conference. The undersigned verifies that the statements made herein are true and correct. I understand that statements are made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. Signature of Defendant's Counsel/Appointed Date Legal Representative Signature of Defendant Date Signature of Defendant Date Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland County Court of Common Pleas Docket# BORROWER REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance,your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: CUSTOMERIPRIMARY APPLICATION Borrower name(s): Property Address: City: State: Zip: Is the property for sale? Yes❑ No❑ Listing date: Price:$ Realtor Name: Realtor Phone: Borrower Occupied: Yes❑ No❑ Mailing Address(if different) City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: #of people in household:. How long? CO-BORROWER Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: #of people in household: How long? FINANCIAL INFORMATION First Mortgage Lender: Type of Loan: Loan Number: Date You Closed Your Loan: Second Mortgage Lender: Type of Loan: Loan Number: Total Mortgage Payments Amount:$ Included Taxes and Insurance: Date of Last Payment: Primary Reason for Default: Is the loan in Bankruptcy?Yes❑ No❑ If yes,provide names,location of court,case number&attorney: Assets Amount Owed: Value: Home: $ $ Other Real Estate: $ $ Retirement Funds: $ $ Investments: $ $ Checking: $ $ Savings: $ $ Other: $ $ Automobile#1:Model: Year: Amount owed: Value: Automobile#2:Model: Year: Amount owed: Value: Other transportation(automobiles boats motorcycles): Model: Year: Amount owed: Value: Monthly Income Name of Employers: 1. Monthly Gross Monthly Net 2. Monthly Gross Monthly Net 3. Monthly Gross Monthly Net 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 paving) EXPENSE AMOUNT EXPENSE AMOUNT Mortgage Food 2" Mortgage Utilities Car Payment(s) Condo/Neigh.Fees Auto Insurance Med.(not covered) Auto fuel/repairs Other Prop.Payment Install. Loan Payment Cable TV Child Support/Alim. Spending Money Day/Child Care/Tuft. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income and Expenses: Have you been working with a Housing Counseling Agency? Yes❑ No❑ If yes, please provide the following information: Counseling Agency: Counselor: Phone(Office): Fax: 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? Please provide the following information, if know, regarding your lender or lender's loan servicing company: Lender's Contact (Name): Phone: Servicing Company(Name): Contact: Phone: AUTHORIZATION 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 Date Borrower Signature Date Please forward this document along with the following information to lender and lender counsel: V Proof on income V Past 2 bank statements V Proof of any expected income for the last 45 days V Copy of a current utility bill V Letter explaining reason for delinquency and any supporting documentation V (hardship letter) Listing agreement(if property is currently on the market) V Copy of 2 years of federal income tax returns V Copy of deed Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY F:LE a F IC r r- �t�r- 4r; THE PRO7HONOTAP,Y of lalrr�.,,.. 2014 MAY 19 NI 2: 39 CUMBERLAND COUNTY i,FF�(3 cFTHPENNSYLVANIA* � T1 -4E f�- E NNS + LVANIA U.S. Bank National Association vs. Jennifer K Thrush (et al.) Case Number 2014-2835 SHERIFF'S RETURN OF SERVICE 05/12/2014 07:48 PM - Deputy Ronald Hoover, 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: Jennifer K Thrush at 151 East Penn Street, Carlisle Borough, Carlisle, PA 17013. RONALD HOOVER, DEPUTY 05/12/2014 07:48 PM - Deputy Ronald Hoover, 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: Jason S Thrush at 151 East Penn Street, Carilsle Borough, Carlisle, PA 17013. -/' RONALD HOOVER, DEP 05/13/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Occupant, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Served" at 151 East Penn Street, Carilsle Borough, Carlisle, PA 17013. Deputies were advised that there were no other occupants other than the defendants that were served. SHERIFF COST: $66.78 SO ANSWERS, May 13, 2014 (c) CountySui!a Sham[: Teleosoft, h,c. RONR ANDERSON, SHERIFF MICHAEL L. BANGS, ESQUIRE Bangs Law Office, LLC 429 South 18th Street Camp Hill, PA 17011 (717) 730-7310 Supreme Court ID #41263 ATTORNEY FOR DEFENDANTS JENNIFER K. THRUSH and JASON S. THRUSH U.S. BANK NATIONAL ASSOCIATION ) AS TRUSTEE FOR THE ) PENNSYLVANIA HOUSING FINANCE ) AGENCY, ) Plaintiff ) vs. JENNIFER K. THRUSH and JASON S. THRUSH, Defendants IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 14-2835 CIVIL CI CP MORTGAGE FORECLOSURE;, rn cc, c. �a v" REQUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order dated February 28, 2012 governing the Cumberland County Residential Mortgage Foreclosure Diversion Program, the undersigned hereby certifies as follows: 1. Defendants Jennifer K. Thrush and Jason A. Thrush are the owners of the real property located at 151 East Penn Street, Carlisle, Pennsylvania, which is the subject of this mortgage foreclosure action; 2. Defendants Jennifer K. Thrush and Jason A. Thrush live in the subject real property, which is their primary residence; 3. Defendants Jennifer K. Thrush and Jason A. Thrush have been served with a "Notice of Residential Mortgage Foreclosure Diversion Program" and have taken all of the steps required in that Notice to be eligible to participate in a court -supervised conciliation conference. The undersigned verifies that the statements made herein are true and correct. We understand that false statements are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. T Signature of Defendant's Csel/Appointed Legal Representative 7D CD 1 Dae ic 114-7 Date Jason 5. Thrush Date 9 MICHAEL L. BANGS, ESQUIRE Bangs Law Office, LLC 429 South 18th Street Camp Hill, PA 17011 (717) 730-7310 Supreme Court ID #41263 ATTORNEY FOR DEFENDANTS JENNIFER K. THRUSH and JASON S. THRUSH U.S. BANK NATIONAL ASSOCIATION ) IN THE COURT OF COMMON PLEAS AS TRUSTEE FOR THE ) OF CUMBERLAND COUNTY, PENNSYLVANIA HOUSING FINANCE ) PENNSYLVANIA AGENCY, ) Plaintiff ) ) vs. ) ) JENNIFER K. THRUSH and ) JASON S. THRUSH, ) Defendants ) NO. 14-2835 CIVIL -03 mco MORTGAGE FORECLOSUR CASE MANAGEMENT ORDER AND NOW this &td day of G� , 2014, Defendants Jennifer K. Thrush and Jason A. Thrush/borrower in the above -captioned residential mortgage foreclosure action having filed a Request for Conciliation Conference verifying that they have complied with the .Administrative Rule requirements for the scheduling of a Conciliation Conference, it is hereby Ordered and Decreed that: 1. The parties and their counsel are directed to participate in a court -supervised conciliation conference on '!' i aim . /01 ao/Y at a ;go /6..M. in at the Cumberland County Courthouse, Carlisle, Pennsylvania. al/nil/I/Jo 2. At least twenty-one (21) days prior to the date of the Conciliation Conference, the defendant/borrower must serve upon the plaintiff/lender and its counsel a copy of the "Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet" (Form 2) which has been completed by the defendant/borrower. Upon agreement of the parties in writing or at the discretion of the court, the Conciliation Conference ordered may be rescheduled to a later date and/or the date upon which service of the completed Form 2 is to be made may be extended. Upon notice to the Court of the defendant/borrower's failure to serve the completed Form 2 within the time frame set forth herein or such other date as agreed upon by the parties in writing or ordered by the Court, the case shall be removed from the Conciliation Conference schedule and the temporary stay of proceedings shall be terminated. 3. The defendant/borrower and counsel for the parties must attend the Conciliation Conference in person and an authorized representative of the plaintiff/lender must either attend the Conciliation Conference in person or be available by telephone during the course of the Conciliation Conference. The representative of the plaintiff/lender who participates in the Conciliation Conference must possess the actual authority to reach a mutually acceptable resolution, and counsel for the plaintiff/lender must discuss resolution proposals with the authorized representative in advance of the Conciliation Conference. If the duly authorized representative of the plaintiff/lender is not available by telephone during the Conciliation Conference, the Court will schedule another Conciliation Conference and require the personal attendance of the authorized representative of the plaintiff/lender at the rescheduled Conciliation Conference. 4. At the Conciliation Conference, the parties and their counsel shall be prepared to discuss and explore all available resolution options which shall include: bringing the mortgage current through a reinstatement; paying off the mortgage; proposing a forbearance agreement pr repayment plan to bring the account current over time; agreeing to tender a monetary payment, and to vacate in the near future in exchange for not contesting the matter; offering the lender a ' deed in lieu of foreclosure; entering into a loan modification or a reverse mortgage; paying the mortgage default over sixty months; and the institution of bankruptcy proceedings. 5. All proceedings in this matter are stayed pending the completion of the scheduled Conciliation Conference. BY THE COURT, 'es fiZzila__ f)2.1:144 -y L abiLvL._ 7/.2-2py a��s J. U.S. BANK NATIONAL ASSOC. AS TRUSTEE FOR THE PENNSYLVANIA HOUSING FINANANCE AGENCY, Plaintiff vs. JENNIFER K. THRUSH and JASON S. THRUSH, Defendants IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION — LAW : NO. 14-2835 CIVIL ORDER AND NOW, this 12th day of September, 2014, on agreement of the parties and in order to give the plaintiff the opportunity to review financial information submitted by the homeowners, continued conciliation conference is set for Friday November 14, 2014 at 1:30 p.m. BY THE COURT, Leon P. Haller, Esquire For the Plaintiff ✓ Michael L. Bangs, Esquire For the Defendant C) eco rn :rlm _<> C 9//ys' y �. •�i V)Fri rn N p C1 CD �� f' . T C.2 U.S. BANK NATIONAL ASSOC. : IN THE COURT OF COMMON PLEAS OF AS TRUSTEE FOR THE : CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA HOUSING FINANCE AGENCY, Plaintiff vs. JENNIFER K. THRUSH and JASON S. THRUSH, Defendants : CIVIL ACTION — LAW : NO. 14-2835 CIVIL ORDER AND NOW, this a* day of November, 2014, on agreement of the parties, the conciliation set for November 14, 2014, is continued to Friday, January 16, 2015, at 2:00 p.m. in Chambers of the undersigned. Leon P. Haller, Esquire For the Plaintiff Michael L. Bangs, Esquire For the Defendant :rlm eo iks rrattc_cL 1 BY THE COURT, U.S. BANK NATIONAL ASSOC. : IN THE COURT OF COMMON PLEAS OF AS TRUSTEE FOR THE : CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA HOUSING FINANCE AGENCY, Plaintiff vs. : CIVIL ACTION — LAW : NO. 14-2835 CIVIL JENNIFER K. THRUSH and JASON S. THRUSH, Defendants ORDER AND NOW, this flo' day of January, 2015, this matter is removed from the Cumberland County Mortgage Foreclosure Diversion Program and the stay entered in this matter is LIFTED. Leon P. Haller, Esquire For the Plaintiff ichael L. Bangs, Esquire For the Defendant :rim CcpiF,Si 1f t p s_ BY THE COURT, m cr c1 C.)