HomeMy WebLinkAbout14-3052 zf
_ Court of Common Pleas
Civil Cover Sheet For Prot):onotary Use Only:
Docket No:
Cumberland County
The information collected on this form is used solely for court administration purposes. This form does not
supplement or replace thefiling and service ofpleadings or other papers as required by law or rules of court.
Commencement of Action:
® Complaint ❑ Writ of Summons ❑ Petition
S ❑ Transfer from Another Jurisdiction
❑ Declaration of Taking
E Lead Plaintiffs Name: JPMorgan Chase Bank, Lead Defendant's Name: Erik W. Stufft
C National Association
T
Dollar Amount Requested: within arbitration limits
I Are money damages requested?: ❑ Yes ® No (Check one) ® outside arbitration limits
O
N Is this a Class Action Suit? ❑ Yes ® No Is this an MDJ Appeal? ❑ Yes ® No
A Name of Plaintiff/Appellant's Attorney: Christopher A.DeNardo,Esquire
❑ 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 ❑ Buyer Plaintiff Administrative Agencies
❑ Malicious Prosecution ❑ Debt Collection: Credit Card ❑ Board of Assessment
❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections
❑ Nuisance ❑ Dept. of Transportation
❑ Premises Liability ❑ Statutory Appeal: Other
S ❑ Product Liability (does not ❑ Employment Dispute:
include mass tort) Discrimination
E ❑ Slander/Libel/Defamation ❑ Employment Dispute: Other
❑ E] Zoning Board
C Other:
T ❑ Other:
I ❑ Other:
O MASS TORT
N ❑ Asbestos
❑ Tobacco
❑ Toxic Tort-DES
❑ Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS
B ❑ Toxic Waste El Ejectment E] Common Law/Statutory Arbitration
❑ Other: ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment
❑ Ground Rent ❑ Mandamus
❑ Landlord/Tenant Dispute ❑ Non-Domestic Relations
® Mortgage Foreclosure: Residential Restraining Order
PROFESSIONAL LIABILITY ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto
❑ Dental ❑ Partition ❑ Replevin
❑ Legal ❑ Quiet Title ❑ Other:
❑ Medical ❑ Other:
❑ Other Professional:
Updated 1/1/2011
SHAPIRO&DeNARDO,LLC N j , r
BY: CHRISTOPHER A. DeNARDO, ESQUIRE,ATTORNEY I.D.NO. 78447 t E. ..
CAITLIN M. DONNELLY,ESQUIRE, ATTORNEY I.D.NO. 311403
BRADLEY J. OSBORNE, ATTORNEY I.D.NO. 312169
CHANDRA M. ARKEMA, ATTORNEY I.D.NO. 203437 F�
3600 HORIZON DRIVE, SUITE 150 P �,N Y4V '
C061,V {,
KING OF PRUSSIA, PA 19406 I 1
TELEPHONE: (610)278-6800
S &D FILE NO. 14-045194
JPMorgan Chase Bank,National Association COURT OF COMMON PLEAS
PLAINTIFF CIVIL DIVISION
CUMBERLAND COUNTY '
vs.
NO:
Erik W. Stufft
27 Court Lane
Carlisle, PA 17013
DEFENDANT
COMPLAINT -CIVIL ACTION
MORTGAGE FORECLOSURE
NOTICE
YOU HAVE BEEN SUED 1N 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 OR
CANNOT AFFORD ONE,GO TO OR 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 ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
S
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle,PA 17013
717-249-3166
PURSUANT TO THE FAIR DEBT COLLECTION
PRACTICES ACT YOU ARE ADVISED THAT THIS LAW
FIRM IS DEEMED TO BE A DEBT COLLECTOR
ATTEMPTING TO COLLECT A DEBT. ANY
INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
NOTICIA
LE RAN DEMANDADO A USTED EN LA CORTE. SI LISTED QUIERE
DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES,
USTED TIENE VIENTE(20)DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA
DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA
ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA
ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU
PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE,LA CORTE TOMARA
MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O
NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA
PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O
OTROS DERECHOS IMPORTANTES PARA USTED.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE
ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO,
VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION
SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE
CONSEGUIR ASISTENCIA LEGAL. ,
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle,PA 17013
717-249-3166
SHAPIRO &DeNARDO, LLC
BY: CHRISTOPHER A. DeNARDO,ESQUIRE,ATTORNEY I.D. NO. 78447
CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D.NO. 311403
BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169
CHANDRA M. ARKEMA,ATTORNEY I.D.NO. 203437
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S &D FILE NO. 14-045194
JPMorgan Chase Bank,National Association COURT OF COMMON PLEAS
PLAINTIFF CIVIL DIVISION
CUMBERLAND COUNTY
VS.
NO:
Erik W. Stufft
27 Court Lane
Carlisle, PA 17013
DEFENDANT
COMPLAINT IN MORTGAGE FORECLOSURE
Plaintiff, JPMorgan Chase Bank, National Association, the address of which is, 3415
Vision Drive, Columbus, Ohio 43219, brings this action of mortgage foreclosure upon the
following cause of action:
1. (a) Parties to Mortgage:
Mortgagee: Mortgage Electronic Registration Systems, Inc. as nominee for ERA
Home Loans, its successors and assigns
Mortgagor(s):_ Erik W. Stufft
(b) Date of Mortgage: September 22, 2006
(c) Place and Date of Record of Mortgage:
Recorder of Deeds
Cumberland County Mortgage Book 1967, Page 474
Date: September 26, 2006
The Mortgage is a matter of public record and is incorporated herein as provided
by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached
hereto and marked as Exhibit "A" and incorporated herein by reference.
(d) Assignments:
Assignor: Mortgage Electronic Registration Systems, Inc. as nominee for ERA
Home Loans, its successors and assigns
Assignee: JPMorgan Chase Bank,National Association
Date of Assignment: December 11, 2013
Recording Date: December 17, 2013
Instrument No.: 201339565
The Assignment(s) is/are a matter a matter of public record and are therefore
incorporated herein as provided by Pa. R.C.P. No. 1019(g).
2. Plaintiff is either the original Mortgagee named in the Mortgage, the legal successor in
interest to the original Mortgagee, or is the present holder of the mortgage by operation of
law.
3. The real property that is subject to the Mortgage is generally known as 27 Court Lane,
Carlisle, PA 17013 and is more specifically described as attached as part of Exhibit "A".
4. Each Mortgagor named in Paragraph 1 executed a note as evidence of the debt secured by
the Mortgage (the "Promissory Note"). A true and correct copy of the Promissory Note is
attached and marked as Exhibit "B".
5. The names and mailing addresses of the Defendants are: Erik W. Stufft, 27 Court Lane,
Carlisle, PA 17013.
6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both.
7. The Mortgage is in default because the monthly installments of principal and interest and
other charges stated below, all as authorized by the Mortgage, are due as of June 1, 2013
and have not been paid, and upon failure to make such payments when due, the whole of
the principal, together with charges specifically itemized below are immediately due and
payable.
8. The following amounts are due as of February 21,2014:
Principal Balance Due $91,171.15
Interest Currently Due and Owing at 7.394% $5,055.93
From May 1, 2013 through January 31, 2014
Late Charges $307.44
Escrow Advances $263.47
Property Preservation $160.00
TOTAL $96,957.99
9. Interest continues to accrue for each day that the debt remains unpaid, and Plaintiff may
incur other expenses, costs and charges collectible under the Note and Mortgage.
10. In addition to the above amounts, reasonably incurred attorney's fees and costs as well as
proof of title in conformity with the mortgage documents and Pennsylvania law, shall be
sought by Plaintiff and included in any request for judgment.
11. Notice pursuant to the Homeowners'Emergency Mortgage Assistance Act of 1983, 35 P.S.
§ 1680.402c, et SeMc.,was sent to-each individual Mortgagor at their mailing address and/or
the mortgaged property address by first-class mail and certified mail. Copies of the material
part of the Notice are attached hereto as Exhibit "C" in accordance with Pa.R.C.P. 1019(i).
12. Pursuant Pa.R.C.P. 1019(d), the Notice sent to the Defendant(s) contains the information
required by the act of March 14, 1978 (P.L. 11,No. 6),41 P.S. § 403 et seq.,and separate
Notice of Intention to Foreclose is not required.
WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in
favor of Plaintiff and against Defendant,jointly and severally, in the amount set forth in
paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and
charges collectible under the Promissory Note and Mortgage and for the foreclosure and sale of
the mortgaged premises.
SHAPIRO & DeNARDO, LLC
Date: L
BY: ec��
Attorneys for Plaintiff
S & D File No. 14-045194
. � p,r,,�ERT P.ZIEGLER
r,t:GCS{DSP. OF DED�M `
2406 SEP 26
Prepared By.
Anjou& 03%ukla, MVA Maar Loans
3000 LeaMahall Road Mount
Laurel, lair 08034
18661 471-6603
Return To.
MRI► Heave Lova*
2001 BlobDys Gate blvd. Dunt:
1auare1, NJ 08054
Parcel Number. Premises: 27 Co11A'd m
eutxseLs
• ISIS Abe"'11tY Line Far Room Deal
MORTGAGE
DEFINITIONS
Words used in multiple sections of this document aro dddinod below sod other words are defined in
Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of wads used in this document aro
also provided in Section 16,
(A)'Security Instrument"mesas this document,which Is dated Sopt4mbex 13, 2006 ,
together with all Enders to this docunxnt.
(B)"Borrower"Is wxi.k w 8tufft, AX sY>lsn► nnm eWtt
BorrQwcr'is the mortgagor under this Security Instrument.
,(L'") 1141EEiS"is MortgMe.Electronic Registration Systems, Inc. MERE is a separate cagwation that is
acting solely as a nominee for Lender and L.oxWa successanc and assigns. MFRS k the mortgagee
trader ads Security butranent.MERN is organszod and existing under file laws of Dekwa%and has an
address and telephone number of P.O.Boa 2026,Flint Ml 48541-2026,tel,(888)679-MM.
PENNSYLVANIA-Single FamRy-Fonale Mee/Freddle Mea UNIFORM IN6TRUMGIT WITH M8R0 Form 4008 1101
4 6AVAl reset)
Ppe t of is MOW„�T
VG P Mw1rW,MAW%Mt,(400"14"1
OKI 967P60474
X[4-
(A)'Lerrder"is ZR& Maas too"
Lender is a Comoratiorr
organized and exisft under the laws of Delaware
Unde's address is 8000 xwadsnhall Rost[ Xonrtt J,aurgl, W 08034
(E)'Wote"means the promissory note signed by Borrower and dated 8eptsieber 22, 2004
The Note states that Borrower owes bender arinstS-taught Thmsaad Sews .Mmfted Sixty
Dollars sad Mighty Cents Dollars
(U.S.$ 99,760.Of )plus interest.Borrower has promised to pay this debt in regular Periodic
Payments and to pay the debt in full not later than October 1st, 9036
(F) "Property"means the property that is described below under the heading "7I zvftr of Rights in the
may"
(G)'Lam"means the debt evidenced by the Nota, plus intereM any prepayment charges and late charges
due under the Note,and all sums due under this Security instrument,plus interest.
(,t?q 'Irides"means all Riders to this Security Insttumesrt that aro executed by Borrowa. The foilowieg
Riders arc to be axevAW by Borrower[check box w applicable):
Adjustable Rate Radar Condominium Rider =4F:
econd Home Rider
Balloon Rider Punned[lnit Davelopnxsu Rider 1�4 Family Rider
VA Rider Biweekly Payment Rider Other($)Ispo*]
(1) "Applicalik Law" moans all controlling applicable federal, state and local statutes, regulations,
ordinances and administrative rules and orders(that have the effect of law)as well sa all appllcabie find,
no==able udicial opinions.
W. wstty Aasoelstioo Dices„Fees, And Assess;nenb"meanie all duos, fees, assessments and odw
charges that at imposed on Borrower or the Ptroparty by a omndamirdum assocladoA homwwntn
associadon or similar organizadom
(1n 'ElecbvWc Famb T anece'moans an transfer of Hands, other than a transaction orighnated by
check, draft, or similar paper Instrumatt, which is initiated through an tdaxroulc termism, td
instrument,computer, or hignedc tape so as to order,instruct,or authorize a financial institution to debit
or ovdit an aocoum Such term includes, but is not limited to, point-af-sale tram fo s, automated Wier
machine.transactions, •transfer$ initiated by telephone, wiry trandiets, std automated clearingbouse
transfers,
(L)'Anew Items"means those items that are described In Section 3.
00"Mismilanaotat 1'nvnceeds"means anyadon,
cwTenssettlement, award of dwwW as or proowds PAW
'by any-third party(other than Insurance procems paid under the dovcrap desmibod in Section 5)for
damage.to, or dtstrucxio n of, the Property; ([d) condemnation or other taking of all or any pan of alta
Property; (iii)conveyance in lieu of condenvaaticm; or(Iv)misrepresentations of,.or ocrdsslons as to, the
value andlor condition of the Property.
(14) 'Mthe ortgage insurance"meatus insurance protecting L xW against the nonpayment of, or default on,
(0)'Terlodic Payment"means the regularly scheduled amount due for(1)principal and Interest under the
Note,plus(ii)'any amounts under Section 3 of this Security instrument
r"urw,
is 4A(PA)twp PW 2 of 16 Fom$04Itc 1101
9Kt 967PG0475
(I') ';nMA"means the Real Estate Settlement Procedures Act(12 U.S.C. Section 2601 of seq.)cad its
irnplcmattiag regulation, Regulation X(24 C.F.R. Part 3300}, as they ght be amended from tuna to
time,a any addTtl=W or successor legislation or regulation that governs same subject uma.As seed
6a dtd Security Instrument, "RESPA"idea to all requirdmatts and restrictions that arc imposed in raged
to a"foderallyy related mortgage.)oar"even if the Loan does not qualW as a"federally rotated mortgage
loan"undo R&SPA.
(Q)�ftecessor in bavrest of Bomwer"mem any party that has taken title to the may, whether.a
not party+has assn mW Borrower's obligations under the Note and/or this Security InntrumeaL
TRANSFE1t OF RIGHTS IN THE PROPERTY
This Security lJrstnurterrt accitres to Under.(i)the repaymag of the Lbon,and all renewals,extrusions and
mWifications of the Note; and (0)the perfornuum of Borrower's covenants and agreements is under this
Security Instrument and the Note. For this purpoO,Borrowa does hereby mortgage, grant and convey to
MFRS (solely as nominee for Lender and Leader's successors and asslpns) and to the sucomm and
assigns of MFRS,the following described property located in tba CCUM>cT ftype or-Reearding JortraiCdMl
of CWNB1rRIAM, tlgmu of Remdbkg hritdiod=Q,
which cv=dy has the adduce of A7 Covst7e'ria.
' [8treet)
CJIRLIt17.R (Cityl,Feamylvaa[a 17013 TLip Cote)
("Property Address").
TOGETHER WrM all the improvements now or hereafter crated on the property, cad all
easertratta, enanoea, and fixtures now or hereafter a part of the Alf replaom mts and
additions sl�so ba covered by this Saaurlty Irhstrturteat. Aft of the�is refirred to in this
Security hatrumerrt as the"Property." Borrower un tlersta nds and agrees that holds only legal title
to the mteresta ted by Borrower in this Security Imt uwmi, but, if neoessay to comply with law or
custast,MERS fes rt ee for Lender and Lender,s suoomors autd )has tba right:to exercise pay
or all of those interests, including,but not limited to, the right to foreclose and$ell the Property;and to
take any action required of Lender including, but not limited to, releasing and canceling this Security
h atnnrxnt.
wkw:145—
4%4 A(PA)4wop POP r a r e Forst 3032 1101
OKI967PG0.476
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has
the right to mortgage, grant and convoy the Property mW that the Property is unctxauabaed, except for
oncumbrances of record. Borrower warrants and will defend gawaliy the thio to the Property against all
claims and dernantis, subject to any etxaunbranoea of record.
THIS SECURrff INSTRUMENT oombines unitonn oovensm for national use and non-uniform
covenants with lirnited variations by Jurisdiction to constitute a uniform security instnmtart covering rat
UNIFORM COVENANTS.Borrower and Le nda'eoveatant and ague as follows;
1. Payment of Prindpal, totem Facrow Items, )Pr'epayment Charim and We Charge.
Borrower shall pay when dile the principal of, and inter at ort, the'debt evidcnoW by rho Note aid say
pr+epsymeen
ht charges d late charges due under the Note. Borrower shall also pay funds for Escrow Items
pursuant to Section 3. Payments due order the Now and this Socauity Instrument shall be made in U.S.
currenoy.However,if any cheek or other instrument received by Lender as payment under the Note or this
Security Instrument is returned to Conder uopald.L.cttder may require that any at.all subsequent payments
due under the Moto and this Security Instrument be made in one or more of the foUowirt fortes, as
selected by Lender: {a) cash; (b) money order•, (o) certified dwk, bank odse* treasure's chock or
cashier's check, provided any such check is drown upon an institution whose deposits aro mowed by a
federal agency,instrumentality,or entity;or(d)Electronic Funds Transfer.
Paytnents are deemed rwdved 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 IS.
Lender may return any payment or partial payment if the payment or pnvti81 paymeafs are Insufticiat to
bring the Loan currant.Lender may sooq%any payment or partial payment insufficient to bring the Loam
current, without waiver of any rights bereurAw or prejudice to its rights to refto such payment or partial
paymeits-in the..ftuM but Lender is not obligated to apply such pgyments at the time sueb payments are
aoceptod. If each Peariodk Payment is applied as of its scheduled due d" then Center need not pay
interest on unappliod finds.Lagar may hold such unapplied funds until Borrower makes payment to bring
Ott:Loan currant. ff Borrower does not do so within a reasonable period of tarns,Lender shall'•ehhear apply
such funds or return them to Borrower.If rat applied candor. such fonds will be applied to the outstanding
principal balance udder the Note•lmmedialdy prior to foredosme. No offset or claim which Boftwer
onight have now or In the future agalrA Lender shall relieve Borrower franc making payawnts due under
tho Note and this Security instrument cc peafarmirtg the covenants and agreanents secured by this Security
Inst�nttuettt. '
2 Application of Paystents Or Proeeeda.'Except as otherwise dent %ed in this Section 2, sal
payments•aotepted and applied by Lender shall be applied in the following order of priority: (a)interest
due under the Note; (b)principal due undw the Now, (o)anounk due under So#ipo 3. Such payments
shall be applied to each Periodic Payment in the order in which it.becsme duo. Any ternaining amounts
shall be applied first to lads charges,second to any other amounts due under this Security Instruma%and
that to reduce tho principal balance of the Now
If Leander receives a payment from Borrower for a delinquem Periodic Payment which imcludes it
sufficient amournt to pay any late cbwge due, the paymat may be applied to the delinquent payment and
the late charge.If.mom than one Periodic Payment is outstanding,Lender may apply any payer reoeived
from Borrower to the repaymoat of the periodic Payments if, and to rho extent that, each paymart
at-SA(PA)msos) aor4ar• Form 3009 1101
SK 1967PGO477
can be paid in full, To the extent that any excess exists ager the payment is applied to the full payment of
one or mora Periodic Payments, such excess may be applied to any late a uqm due. Voluntary
prepayments shall be applied first to any prepayment charges and that as described in the Nola
Any application of payments,insurance pr0000ds, or Miscellaneous Proceeds to principal due under
the Now shall not cktod or postpone the doe date,or change the amount, of the Periodic Psymew,
S. Funds for Beerow hetes, Borrower shall pry to Lader on the day Periodic Paymetua aro due
under the Note,until the Note is paid in full,a sum(the Tends")to provide for paymem of ensues due
for: (a)taxes and assessments and atter items which can attain priority over this Security Instrument M a
lion or encumbrance on the Property; (b)leasehold paymo us or ground rents on the Property, if any;(c)
premiums for any and all insurance required by Leander under Section S; and (d) Mortgage hmranw
prernhuns, If any, or any sums payable by Borrower to Fender in lieu of the payment of Mortgage
Insurance p wolums in accordance with the provisions of $ocdon 10. Those item aro called "Escrow
Items." At origination or at any time during the term of the Loan, Lader may require that Community
Association Dues, Fees, and Assessments, if any. 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 underthis Section. Borrower shall pay Laufer the Funds fbr Escrow Items unless Lander waives
Borrower's obligation to pay the Funds for any or all Escrow Icon. 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 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 regains,
shall f nigsh to Lender receipts evidencing such payment within such time period as Lender may requites
Borrower's obligation to riwke such payments and to provide receipts dWi for all purposes be downed to
be a covenant and agrewnert contained in this Security Instrument, as the phrase"covenant and agreernmt"
Is used in.Section 9. 9 Borrower is obligated to pay Escrow Items directly, pwsuant 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 to"to Leader any such
amount. Lender may revo'ke'tho waiver as to any or all Escrow Items at any tone by a notice given in
accordance with Section 15 and, Upon such revocation, Borrower shall pay to Lander all Funds, and in
such amounts,that ate then required under this Section 3.
L.axler may,at-any tuna,collect and hold Funds in an amount(a)sufficient to permit Leader to apply
the Funds at the time specified under RESPA, and(b)not to exceed the maximum amount a lender can
require under RWA. Leander shall estimate the amount of Funds due,on the basis of currant data and
reasonable estimates of w4w4tures of future Escrow Items or otherwise in,aootdance with Applicable
LAW.
The Fords shall be held In an institutions whose•deposits ere 'Insured by a federal agency.,
Instrumentality, or entity(Including Laxler, if Lender'is an institution whose deposits am so insured)or In
any Federal home Loan Hardt.Lender shall.apply the Funds to pay the Escrow Items no later.than the time
•spocified under RP,SFA.Lender shall not charge Borrower for holding and applying the Funds, annually
analyzing the escrow account, or verifying the Escrow Items. unless Lakler pays Borrower Interest on the
Funds End Applicable Law permits[.ender to make such a charge: Unless an agroenoeat is made in writing
or Applicable Law requires interest to be paid on the Funds,Lender shall not be required to pay Borrower
any interest orearnings on dee Funds, Borrower and Lander can agree In writing,however, that interest
MW
�OA(PAh p6oQY PW a a r n Forst 3030 1101
OK I 9-67PG0478
shall,be paid an the Funds. Lender shall give to Borrower, without dwIM an annus] recounting of the
Funds as required by REVA.
If there is a surplus of Funis held in escrow, as defined under RESPA, Lender shall account to
Borrower for the excess funds in wcmlance with RESPA. If there la a shortage of Rads hdd in acrow.
as deftned under RESPA,Leader shall notify Borrower as required by RESPA. and Boaowrr"pay to
Lender the amount necessary to make up the shortage in aeoosdamm with RBSPA,but in no mom than 12
monthly payments. If there is a defideney of Funds held in escrow,as defined under RESPA,Lender shalt
notify Borrower as required by RESPA, and Borrower shall pay to Lander tho amount necessary to maim
up the deficiency,in accordance with RESPA,but in no mora that 12 monthly payments.
Upon pgytrou in full bf all sutras secured by this Security Insatment,Lender shall promptly refund
to Borrower any Funds hold by Lender.
4. Charges; Liese. Borrower shall pay all taxes, assessmom, dterges, fitter. and impositim
attributable to the Property which can attain priority over this Security Instrument, lamehWd paytmettts or
ground rents on the Property,if any,and Community Association hues,Fees,and Assessments,If o ny.To
the extant tint. items aro Escrow Items,Borrower shall pay then In the momer provided In Section 3.
Borrower shall promptly discharge any lien which has priority over this Stxytrity Itlsaumatt unlents
Borrower:(a)agrees in writing to the payment of the obligation secured by the lien In a manner acoeptable
to Leader,but only so long as Borrower is performing such spumett;(b)oantests the limn in goad faith
by, or defends againet enforemnem of the lien K legal proceedings which In Lml is opinion operate to
prevent the enforeemont of the lien while those prootedirp are paling,but Only until such prootedinds
are concluded;or(c)secures from the holder of the lien an agreement satisfactory to Laxier subordinating
tha lien to this Security lnatrarnont. If Lender&u mines that any part of the-Property is subject to a fiat
which cant attain priority over this Security Inswment,Lender may give Borrower a node identifying the
limn. Within 10 days of the date on which that notice is given,Borrower shall satisfy the lien or take one or
mom of the actions act forth above in this Section 4.
Lender may require'Borrower to pay a one-dere charge for a real estate tax verification "or
reporting service used by Lender in connection with this Loan.
S.Property hmarance. Borrower shall keep the improvements naw existing or hereafter avow on
the Ptopeny Imured.against lova by fire,118M rda included within the term"extended coverefe," and.tnuy
other hazafds including,but not limited to, eanthqualm and floods,for whkb Lender requires insurance.
This Insurance shall be maintained U the amounts(including deductible levels)and for the periads that
Lender requires. What Lender requires pursuant to the preceding santemow can change during the tum of
the Loan.-IM insurance carrier providing the Insurance shall be chosen by Borrower subject to.L blots
Tight to disapprove Borrower's ehoioe.• which right shall not be exmvised umeasonably. Leader may
require Borrower to pay, In connection with this Loan. tither: (a) a one time charge for florid zone.
determination, certification and tracking services; or (b)a onetime change for flood zona dacmdiudon
and certification services and subsequent charges each time re msppiags or similar changes oeau which
reasonably might affect such determination or cerdffcation. Borrower shall also be reaponsible for the
payment of any fce8 imposed by the Federal Emergency Mazuagettnett Agency in connection with the
review of any flood zone determination resulting from an objection by Borrower.
mhwr.
4k•sA(PA)mW) Pape 91 is Form 8039 1101
OKI967PG0479
if Borrower fails to maintain any of the coverages described above, Lander may obtain insurance
coverage, at lender"s option and Borrower's expeoae. Lender is under no obligation to purchase any
particular type or amount of coverage. Therefore, such coverage shall cover Lender, bat might OF might
not protect Borowor, Bwower'a equity in the Property, or the cxtntents of the Prop",against any risk,
heard or liability and migbt provide greater or lesser coverage tban wo previously in effect. Borrower
acknowledges that the cost of tho insurance coverage so obtained mlght significantly exceed the cost of.
Insurance that Borrower could have obtained. Any amounts disbursed by Leader under thio SeedOu 5 shall
become additional debt of Borrower secured by this Serenity b strummL These aruounts sliell beer interest
at the Note rnte from the date of dlsburscment and shall be payable, with such interest, upon notice from
Lender to Borrower requesting payment.
All i»surmtou policies required by Lmicar and renewals of such policies shall be subject to Lender's
right to disapprove such policies,-shall Include a stWWW.mortgage clause, and *WI name Lender as
mortgagee and/or as an additional loss pays.Lender shall have the right to hold the polkies and renewal
certificates. If Lander requires,Borrower shall promptly give to Lends aU receips of paid premiums and
renewal notions. if Borrower obtains any form of insurance coverage,not otherwise acquired by Lander.
for daauhge to, or destruction 4 the Property, such policy gW Include a standard mortgage clause and
shall name Larder as mortgagee and/or as an additional loss payee
In the event of loss, Borrower sired give prompt notice to the houranae carrier tuM Lender. Lender
Ma make proof of.loss if not made promptly by Borrower. Unless Lender and Botmower otherwise agree
In writing, any insurance proceeds, whether or not the underlying hm-N10e was required by Lander,dull
be applied to restoration or repair of the Property, if the restoratiea or repair Is oconon a►ily feasible and
Lersder'a security is not lossenod.burWg such repair and restoration period,Lender shall have the right to
hold such insurance proceeds until Loader has had an opportunity to inspect such prop"to ensure the
work has`been eomptetod to Lender,s satisfaction, provided that such inspection shall be unde talm
promptly. Lender may disburse proceeds for the repairs and restoration in a single paymesht or in a aeries
of progress payn=ts as the work Is completed..Unless an agreernent is made in writing or Applicable Law
requires interest to be pain on such insurance pr0000ds, I.e>fde7 shall not.be required to pay Borrower mry
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 sball be the sole obligation of BorroW.N.
the restoration or reptile is not eomomically feasible or Lender'a seemly would be 1068e044 the insur"CO
proceeds shall be applied to the suras secured.by this Security Instrument, whether or not then due, with
the ertoe m-If any,paid to Borrower,Such insurance proceeds shall be appliod-in rho order provided for in
Section 2.
if Borr*Wa• abandons the Property, Lender may file, negotiate and settle any MUable Insure m
claim and retowd matters. If Borrower does not respond within 30 days to a notice from Lender that the
Insurance carrier has'offered to setae a claim, then Lender maynegotiate and settle the claim:Zoe 30-day
period will begin when the notice is given, in either event, or if Lersd[a tsogtriroa tie Property under
Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrowers righli to arty lnsurrnca
proceeds in'an amount not to exceed the amounts unpaid under the Nota or this Sbcurlty Lupteme nt, and
(b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by
Borrower)under all insurance policies covering the Property, insofar as sus►rights aro applicable to the
coverage of the Propwy.Lerida may use the Insurmoe proceeds citlxs to repair or restore are Property or
to pay amounts unpaid under the Note or this Security Instrummt,whether or not then due.
15-
4 9A(pA)losenl PIW r Of 16 f m 3039 1101
HK 1967PGO480
6. Occupancy. Borrower shall o=Vy, establish, and use the Property as Borrower's principal
residence-within 60 days atter the execution of this Security Instrummt and snail continue to Occupy the
Property as Borrower's principal residenoe for at least ons year after the date of oocupancy, unlesa Under
otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating
circumstances vdat which are beyond Optrowee s control.
7. preaervatkw, Maintenance and Protection of the propatyl I mpmdontr, 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 ft Property. Borrower shall maintain the Property in
order to prevent the Property from deteriorating or decreasing in value due to its 00e1diti0n. Unless it is
determined pursuant to Section S that repair or restoration is not ebonomically feasible, Borrower shall
promptly repair the Property if damaged to avoid,ftadra deterioration or damage. If insurance or
condemnation prooeeds are paid in connection with damage to, of the taking of, the Property. Borrowed
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$ingle paymmd or in a series of
progm Paymerh as the work Is completed. if the insuranoe or condemnation proceeds No not sufficient
to repair or restore the Property, Borrower is not relieved of Borrowed s obligation for the completion of
such repair or restoration.
Lender or its agent may nWo reasonable entries upon and Inspections of the Property. If it has
reasonable cause,Lender may inspect the interior of the improvements on the Property..lAxW shall give
Borrower notice at the time of or prior to such an interior inspection specifying such rewmable catim
& Bor'rower's Loan App)kat.1m Borrower shall be in default it during the Loan application
proom, Borrower or any persona or entities acting at the direction of Borrower or-with Borrower'
knowledge tin conseat gave materially false, misleading, or bu omrate informadoti or statements to Leader
(or failed to provide Laxler with material information) is coMOW011 with the Loan. Material
representations include, but Ora not limited to, representations concerning Borrower's occupancy of the
Property as Borrower`a principal msideam
9. PM"on of Lender's Intarert in the Property and lAiglats Under this Seeority hwhimen.If
(a)Borrower fails to perform the covenants and agreetnents contained to this Security instrument,(b)drams
In a legal proceeding that might significantly affect Lender's interest in the Property or rights whper
this Security Instrumment•(soch as a pmcceding in bankruptcy, probate.for condeftstian a forfeiturtry for
enforcement of a ilea which may attain priority over this Soomity Instru meat or, to enforce laws or
regulatiornk), or(c)Borrower has abandoned the Property, then Lender may do and•pay fbr whatover Is
reasonable or appropriate to protect Lender's Interest in the Property*and rights under this Security
imus ma, including protecting mWor.assming the value of the Property, and scuori and/' repo dq
the Pr )'-.ender°'actions-can include, but aro not limited to.(a)paying any sums secumd'by a lien'
whicb=ority over'rids Security Inuntu anti (b) appearing In MUM W (e) Payi»g reasonable
attorneys' fees to protect its in�t in the Property and/or righis under this Security Instrurnmt,including
its secured position in a badkrupt4 proceeding. Securing the Property Includes, but is not limited to,
enterin the 1 roP to make repairs,drange locks, ttsplax or board up doors std windows,drain water'
from pipes, eliminate building or other 0060 violations or dangerous conditions, and have utilities turned
on or ofd'.Although Lender may take action under this Section 9.Lender does not have to do so'and is not
under any duty or obligakion to do so. it Is agreed that Lender mesons no liability for not taking any or all
actions authorized under this Suction 9.
OVA(PA)tosotr rawe cis Form 3030 1/01
BK 1967PGO48
Any amounts disbursed Laxkr under this Section 9 shag became additional debt of Harrower
secured by this Security Instrument. These amounts shall bear rotates at the Nolo rate from the date of
disbursement and shall be payable, with such interest, upon notice from Leader to Borrower requesting
PSY
If d16 Se+ccarity horn meat is on a leasehoK Borrower shall conVly with all the provisions of the
lease. if Borrower aoquina fee tick to the Property, the leasehold arid the fee title shall not merge unless
Lender agrees to the merger Its writing.
10, Mortgage Insarrnoe. If L,e»da required.Mortgage Insurance as a condition of making the Loan,
Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect.If�� t
the Mortgage Insurance coverage requited by Lender ceases to be available from the m Insurer
previously provided such Insurance and Borrower was required to mnke soparrately designatod payments
toward the premiums for Mortgage h uranoe, Borrower shall pay the premiums required to obtain
coverage substantially equivalent tri the Mortgage insurarcoe previoudy in effect, at a cost substantially
equivalent to the cost W Borrower of the Mortgage Insurracoe previously In effect. from an altos"
mortggooggce insures selected by Letcder. U substantialEy equivalent Mortgage Lrsurmm coverage is not
available.Borrowex shah continue to pay to Ler►der the armwm of the aeperawy designated payments am
were due when the insuraave ooverage ceased W be hn ef'Aect. Linda will socept, use and retain these
paymanUs as a eon r�uMabto toss reserve in lieu of Mortgage Insuretwe Such loss reserve shall be
non-refundable, notwithstanding the fact that the Loan is ultlrrsately paid in M. and bender shall not be
required to pay Borrower any interest or earnings on such loss reserve. Leader can no•longer require loss
reserve if Mortgage InsFb,7�4W�
coin the amount and for the period that LenAw requires)
provided y�usswYr selected ecomes aysilabia is obtalnod, acrd I ernder trt{uiroa
ydeigntoemiumfor MortgageTf Lender required Mortgpgeasacondiorrower was rod to trsake aeparalely designated
toardrwniumsge Inrsuranoe. Borrower shall pay the premiums requited to
maintain Mprtga®e Insrrrarnx in effe or W provide r nom r able loss restive, until Undoes
cbquhremxxct for Mortgage Insurance ends in accordance with eery wrrttac agreement between Harrower and
Lendar ptnviding for such ta7rrination or ucstil tnminstim Is roquired�ApplitabieLaw.Noticing In this
Section 10 affects Borrower's obligation to pay interest A the rate In the Nate.
Mortgage Insurance reimburses Lader(or any entity that purchases the Note) for oc rtain loom it
may low.If Borrower does not repay the Lean as agreed. Borrower is nota party W rho Mortgage
Insurance,
Mort$age:insurexa evaluate their total risk on all such insurarsoe in force froth tune W lima, and tply
sts
enter Into agroenewith other parties that share or modify their risk,or reduce loswL These agreements
are on tams and conditions that are satisfactory to the mortgage insurer and the other party(or parties)to
these agreements.These agreements may'require rho mortgage insurer to make payments using any source
of flax! that the mortgage insurtr may have available(v irh h may include funds obtained fiver Mortgage
Insurowe premiums).
. As a result of these Lender, any purchaser of the Note, another insurer, any reirmtter,
any Other entity, or aqy 0,211ate of any of the foregoing, may xWeive(dhwdy or indirectly)amounts that
delve from(or might be characterized as)a portion of Bomwe's payments for Mortgage Insuream in
exchange for sharingor modifying the mortgage insurees risk. or reducing loom If such agreatcent
provides that aniliab of L erncler takes a share of the inazer's risk in excb for a share of the
premiums paid to the ircaurer,the arrangement is ofteas termed"captive nfnsuraneee."Furiha:
(w) Any such agrreenemh will not afted the a»wurof$ sleet Boe*ower Gant apg^eed to pay tar
Mortgxq;c Insruranoe, or any other terms o[the Loaa Sash rngr'eeaenb wN not iutcreaae the amount
Borrower will owe for Monfgage lnsurrna,sad•they will root oolitic Borrower to xray retund.
•6A(AA}tOsosl P"4 101 is Form 3039 1101
BK 1967PGO482
1 1
(!►)Aq sucb agreements wig not affect the rights Borrower bas• ff any•with tapmt to the
Mortpp Inswsunos vender the gomeowm a Protedlop Ad of 3998 Sar may other law. Thee rob
way Mdtde the right to receive Certain d6closuras► to repand and dAr" eanceftdoo of alae
Martgagc b w once, to have the Mortgage IMWIna tertin6sttted autoamtiak,auadhx'to receive a
r1two of y Mortpge Wtumnoe premhues that wen unew"ed at the time of such auoe"tioa or
11, Aw* mint of MlscelImgmw Proceeds; Ferfdtum AQ Miscellaneous Proceeds aro hereby
assigned to and shall be paid to Lender.
if the Property is danmged, sueh Migedlanom proceeds shall be applied to restoration or repair of
the Property, if the restoradon or repair is economically feasible and Lender's sec oily b not lessened.
During sucb repair and restoration period,render shall have the right to hold such Miscellaneous Proceeds
until I.o inlet has had an opporuudty to inspect such Property to emum the work has bow completed to
L,aKWs satigfaotlon,provided that such Inspection shall be wsdezrtak=promptly.Undetmay pay for the
repairs and restoration in a sine diabwBatneat. err in a seeks of progress payments as the work Is
cvmpletod.Unless an agrepsherut s toads in writing err Applicable L.aw requires kirest to be paid on suds
Misoellaneoug Proceeds, l,endex anal!rnot be required to pay Borrower
any interest at earning on mxb
Miscellaneous Prooeeda.if the restoration or re is trot economically feasible or Lancer's security would
ba lcaseraed. tlhe MiscdlatlWtts Proceeds shall applied iD the atmos secured by this Sehauity Instrument.
whedter or not then date, with the exoeea, if any. paid to Bosrowa.Such Miscellumm Prom*shall be
appliaf in the order'provided for in Secdoa 2.
in the event of a total taking, destruction, or lass to value of the �ppecty, the Misoallaneous
Proceeds shall be applied to the Owns scoured by this Security Instrunaal, whd&r or not that due, with
the excess,if nay,paid tp Borrower.
In the'event of a partial taking,-destruction, or lose in value of the Property in which the fair nnarlA
value of the Property immediately before the partial taking, deMucdoa, er loss In VOIDS is equal to Or
greater, than the amount of the stuns secured by this Seauity Instrument brunediately before the pallid
taking, destruction, or loss in value, unless Borrower and Lander Odwwiw agree in writing, the stags
secured by -this Security Inst'urnent shall be reduced by the Mwft of the MisoelImm s Proceeds
rhuldplW by the following (caution. (a) the total atrtotmt of the sums secured itrUnediasely before the
partial tai, despuaica. or lose in.vahx divided by (b) the fair merlon value of the Property
immedlatal�y before the partial taking,destruction,or lora in value.Ady balanus diall be paid'to Borrower.
in the event of a pard4 taking, desmuxion, or loss in value of the Property in whM aha fair mannan
value of the Property hrmecliately before the partial tailing. destruction, or loss in vat*is less them the
amount'of the sums sawrod Irnmediately before the partial rating, destruction,or loss'iu value, USION
Borrower and Lratder otherwise agree in writing, the Migoeilanoous Proom s shall be applied to the sums
secured by this Security 1nstrumextt whether or not the sums ane them due.
if lite•Property is abwWoned by Borrower, or if. ether notice by L,eauder to Borrower that the
Opposing Parry(as defined M the next sentenoe)offers to snake an award to settle a clsim for dartuBes, .
Borrower fails to respond to Lendervitbin 30 days after the date the notice is given.Lender is&V,L r l
to,con mad apply the Mb oUattebus proceeds either to restoration or repair of the ProperW or to the
sums senu+ed by tlds Security manta Ment, whether or cot tient due."Opposing Party"means the third party
that owes'Borrower MisodlarAous Proceeds or the party against wham Borrower has a right of action in
regard to Mindla em proceeds.
Borrower shall'be in desfisult if any action or proceeding, whether civil or critninrd,is begun that. in
Lendee s)udgntW, could result in forfeiture of the Property or otber material ltnpait7 ww of LaWW r,
interest in the Property or tights under this Security TraMmett. Bonwm can epos suds a default and. if
acceleration has occurred, reinstate as provided in Section 19. by cawising the action or proceeding to be
��eA(PA1toe001 Poo 1.0'01 Is tIIotrlr 3018 1101
BK 1967PGO483
dismissW with a ruling that,.in Lender's judgment,precludes forfeiture of the Property of other material(mpairm M of LaKW s interest hr the Property.or rights under'this Security ImWwnmd. 7Uproceeds of
any award or claim for damages that are attributable to the impairmnt of Lender's interest in site Property
are hereby assigned and shall be paid to Leader.
An Miscellaneous Proceeds that am not applied to resWratiaa or repair of the Property shall be
applied In the order provided for in Section 2.
12 Borrower Not Released; Folbew"m By Lender Not a Waiver. Extension of the time for
payment or modification of mnw*ation of the sums secured by this SemA y Instrumeatgranted Lwtda
to Borrower or any Sueoessor In Interest of Borrower shall swt operate to release the liability of Borrow:
or any Suooessors in Interest of Borrower. Lendr shall not be required to eornmenee proceedings against
any Summar.in In Brea of Borrower or to refuse to extend time for payment or otherwise modify
amortization of the suras secured by this Security Instrument by reason of any dettwnd made by the origimd
Borrower or any Successors in Interest of Borrower.Any forbearance by Lender In exmising any right or
remedy including, without limitation, Larder's acceptance of payments from third parsons, erre 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.
23, Jobst antral Seveuat Uaftyl Co-slipmers;Suceeamrs mrd A 1{ww&Borrower covenants
and agrees that BWOwcea obllgations and liability shall be joint and several.However,any Borrower who
co-signs this Security Twournent but docs not execute the Note (a "co-sigaer"), (a) is co-signing this
Security Inatttuneat only to roastgage. grant and convey the co-signer's interest in the,Property under the
terms of this Security mate 04,(b)Is not personally obligated to pay the sums secures by this Secsuity
Instxunwat; and(c) agrees that Lender and any other Borrower can awe W extend, modify, forbear or
make any accommodations with regard to the teams of this Security InStrumast or the Note without the
co-sipme s consent
Subject to the provision of Section 18, any Successor. In Interest of Borrower who assumes
Borrower's obligatioM under this Security Imtrunxmt in writing, and is approved by Lendr, shall obtain
all-of Borrower's rights and benefits under this Security b"tnsment.•BmTower.ahall not be released from
Borrower's obligations and liability under this Security Instrument uniwa Leader,agrees W such release In
writing. 11ta covenants and agreements of this Security Instru neat shall bind (eiccept as provided In
Section 20)and benefit the sucoessors and assigns of LeMer.
14. Lean Chargm Lender may charge Borrower fess for services pert yon�ned in connection with
Borrowees dofault, for the purpose Of protecting Lender's Interest in the i'ropere Ow.righta'undes this
Seaetrity Instrttrsrent, 1naltxUs►g, but not limited to, attorneys' feta. Inspection and valuation fees.
In regard tO eery adier fes,the absenoa of express authority in Wis�Instrturterrt to charge a specific
fee to town shall not be ewnsurued as a prohibition on the charging of such foe.Lendar may not charge
Mees that are'expressly rNslbitexf by this Security Lttcttlttnetot err by Applicable Law.
if the>zl is sub ea to a law which stir nraxirrrUm loan clsarges,and.tbat•law is finally Interpreted so
Wet the interest ar exhd loan chmrger oolletoted err to bt ex>ltecoed in cotsnacdtin with the Loan exoeed the
permitted lirilits, than. (a)1any s+ssdsl"oan charge shall be... uoed by the amount necessary to r0dum the
charge to the pertaitte d lir ill and(b)any sums already collected ftom Borrower wbicb exceeded permitted
limits will be refunded to Borrower. Leader may choose to make this refund by r+educisrg.the owed Lunda the Note or by making a direct.payment to Borrower. If a refund roduce ��Rtl
reduction :will be treated as a partial ps�paydnatt without any prepayment charge ( o
prepayrrnem charge is provided fpr under the Nota). Borrower's of arty such refund made by
threat pay=to Borrower will constitute a waiver of any right ofa�Borrowrr might have arising Md
of such overcharge.
1S. Nodes. Ali notices given by Borrower or L,endtr in cormection with this Se ciirity Inetrurnaat
must be in writing.Any notice to Borrower in connection with this Security Instrumau shall be deemed W
lq•6A(PA)(o6os) PW cc of 76 Form 8080 1101
�t 1967PGQ484
have bow given to Borrower when trailed by fust class matl or when.actually delivered to Borrowers
notice address if sent by other inane. Notice to any one Borrower shall constitute notka to all Bormwes'
unless Applicable Law expressly requites otherwise. The notice address shall be the Property Addraa
unless Borrower has designated a substitute nation address by notice to Lender. Borrower shall promptly
notify I.e nder of Bomtwer'a ehanttgo of sdehcss. If Lender apaxlfiea 8 proceilm for reporting Borrower's
change of axiafress, then Borrower shall only t�Ort a orf address through that specified pnocedum
There may be only one desigettcteel notice etddress tttxiar this Security Instrument at any one time. Any,
notice to Leuucler shatl3 be given by dalivexittg h or by mailing it by first class trail to Laxlees address
stated herein unless Leutdu has ateslgnatod anodes atddress by ntotice to Borrower. Any notice In
axn,nextietn with this Security irrstrwttGec sttarll sot ba deemed co have been given to Lender until actually
received by Leander. If tugy natiare required by this Saxtrrity Iratrurtteztt Is also required undo Applicable
LAW, the Applicable Law t+equirematt will satisfy the corresponding requirement under this $equity
. 16..
Instrument,
Law; geren'+bilityi RWO of Cowhvc0m This Security Inettummtt shall be
governed by foderal law and the law of ft Jurisdiction in which the Property is located Alt rights and
obligations contained in this Secudty Instmme nt aro subject to any requirematts and limitations of
Applicable Law.Applicable Law might exppfiddy o r implicitly allow the parties to agree by coativa or it
tnrght be slle:d,but such silerme shall not be construed as a prohibition Wind agreanaod by contract.In
the event that any provision or clam of this Security Instt a ant or the Note conflktc with Applioaabb
Law, such conflict shall not affect odw previsions of this 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 autd.inclt*
cormponding neuter words or words of the feminine tender; (b) words in tate singular shall ttxwn and
include the plural and vice verset; and(c)the word "vW givas sole discretion without any obligation to
take any action:
17.Borrower's Copy.Borrower shad)be given one copy of the Note and of this Security Inert r=t.
18. T auwfer of dw Property or a Beaeficlral lateral In Bonvww. Ae used In this Section 18.
"Interest In the Property"means any legal or bewficial interest in the Property, including,but no Ihttited
to;-those beneficial Interests trandared in a bot►d far dood,contract for deed,installment sales ocmtract or.
Ow ow,We entent,the intent of whieb Is the transfer of tide by Borrower at a future date to a purchaser.
R a!!11 or any part of the Property or arty Interest In the property is sold o>r.tiwdenvd for if Borrower
is not a natural person uW.a beneficial Interest in Borrower L sold or treasfernd)withtxd Le ndoes prior
written consent, Lender may require immediate payment in full of all stuns secured by olds Soxxrrtty
Lnstrumenat, However,-this glom shall not be exorcised by Lader if such'e saviso Is prohibited by
Applicable-JAw.
• If Lander exercises this option, Leirdes'shall give Borrower notion of acoelc;ation. The entire But
ptovide aperiod of not less than all days from-the date the notice is given in ae;oordsaon with Section 1S
within whish Borrower must pppy� al!awns secured by this Security ftW ull1dM If Borrower falls to pay
these swiss prior to the a xpliradon of this period. Lender may invoW any remedin pemitted.by this
Security Lmcrn
trumemt without ftuther notloo or dand on Borrower. ,
1St. Borrowgr s Right to Rahe ate After Acctk atfan. if Borrower meets certain gondidoets,
Borrower shall have the right to have e:nfercxtmrtt of this Security insdurnent discontinued at any' limn
prior to the-earlitest of(a)five days be fo m sorb of the Property ptrrauaen to any. of ode contained in
Ws,Security Instnmmt; (b) such ether Iwiod as Applicable Law might fy for the termination orf
er'
Borrows right to reinstatc or (c) entry of a j�mt esnforciog this Security Instrumea L Triose
conditions are that Borrower; (at) pays Lender all sums whicb that would be dire under this Security
Instrument and the Note as if no acceleration had ox=od;(b)cures any default of any other covenants or
unseen err�'
4ft4A(PA)4ow) "Iloilo Form 31$9 1101 -
OKI 967PGO485
.� a
agrogments., (e)pays all.expensea incurred in enforcing this Security Instrument, including,but not limited
to, reasonable attorneys' fees, property inspection and valuation fees. and other foes Incurred for the
pwpooe of protecting Larder's interest in the Property and rights under this Senuity Instrument;and(d)
takes such action as Lender may reasonably require to assure that Latdd s intered in rtes Property and
rlghth under this.Security bmuument. and Borrower'a obligation to pay the sum secured by this Serenity
Instrumatt, shall coodouo unchanged.Lender may require that Borrower pay such rensGkaubnt suns and
expenses in one or more of the following forms, as selected by Lenndw, (a)cash: (b) stoney oder; (c)
certified ebeck, bank drexde. vemurces check or cashier's drock, provided any such check is drawn upon
an institutich whose deposits are insured by a federal agency, instrumentality or entity;or(d)Heclronic
Funds Transfer. Upon reinstatement by Borrower, this Security Instrurnent and obligations secured hard y
shall xemda fully effbotive•aa if no occeleratioxn had occurred. Hoa►ever, this right to reinstate shall not
apply in the can of acceleration oder Section IS.
20. Sole of Nobe;Cbaurge of Lon 5ervicm Notice of G:ieveaca The Note or a partial interest in
the Note(together with this Security lostimman)can be acid one or more timet without prior notion to
Borrower, A We might result in a chaup in the entity (known as the 'Loan Striver") that collects
Periodic Poyrne nts da wuirx the Note and this Security hwuumeat and pwfwm other mortgage loan
sorvIdng obligatiow under the Note, this Security Instrument, ase)A ioniblo Law. Them also might be
one or mors changes of the Loan Seavioer unrelated to a rade of the NUL If tldoro Is a odnatrge of the Loan
Servicer,Borrower will be given written notice of the chop which will state the nares and address of the
new Loam Savior, that address to which paymante should be made and any odw Wormation 1tESPA
requires in connection-with a notice of transfer of sawking. U the Now is sold and thereafter rho Loan is
serviced by a Loan Servicer other than the purchaser of the Nob,rtes mortgage lona servicing obligadorns
to Borrower will remain with the Loot Servicer or be traansferrnd to a successor Loan Servicer and art not
assumed by obs Note purchaser unless otherwise provided by rho Note pcudnaer.
Neither Borrower nor Lender may commence,join, or be joined to any jtndi d action(aa either an
individual litigawt or tits member of a class) that arises from the other party's acxioas pursuant to this
5eetrrity Instrument or that alleges that the other party has breacbedl any pwvisio»of.or any duty owed by
reason of,.this-security Instrument, andl such Borrower or I.ardcr has notified the oth w party(with such
notice given ia'•compliaom with the requirements of Section 15).of awb alleged breach and afforded the
other party..herew a't6asonabls period atfeer .the giving of such notice to..Ww gorrecdva axion. N
Applicable-Law provides a time period wMch must elapse befte certain wdon can betaken, that time
perioid will be 4eemed-•to be reasorible for purposes of this pwagrWL The notice of acerkra�mand
opportunity to,t urb given to Borrower pursuant to Section 22 and rtes notice of aeeel'Emtiorn Siva to
Borrower pursuant to Section 18 shall be deemed to satisfy the notim and opportunity to take corrective
action provisions of thio Section 20.
21. H=rdous SufMucea. As used in this Section 21: (a) "Hazardous SubstanoW are those
substances dddlned as toxic or¢hazardoussubstarm,pollutarrts, or wastes by Enviroamotntal Law and rtes
folleiwing substano es: ga dim keroi6oN o dw flammable or toxic petrolean products, toxic postiddic
and herbicides:.volatile solvents; materials containing asbestos or formsldebydee;•and iodio active msthrials;
(b)"Bntvirontrnental Law"means federal laws and laws;of the jurisdiction wbm the Property is located that
relate to health, safety or environnnental protection; (e) "EnAromr=W Mono" includes any rcapoase
'scrips, rexriedial action, or rernovd entice, as defined In Bnviromneaw Law;'and(d)an"Bmironmental
Condition" means a condition thatcam cause, contribute to, or oti>crwise trigger as Environmental
Cleanup.
SIL
4ft4A(PA)toowt) PW ease ea peep 30$0 1001 y
UK 1967PGO486
Borrower"I not cause or permit the preaemr, usq disposal,storm, or release of any Hazardous
Substances,or threaten to releak any Hazardous Substances, on of in the Pr Borrower mall not do,
nor allow an one else to d% mything affecting.the Property(a)th*it:in vi on of any 8nvir�a
Law. )which creates an R vlroivaental C tion,or(c)whidu,due to the presence,use,or release e>P a
Hazardous Substance, creates a conditlon that adversely affects the value of the Pmparty lu precedw
two Sentences shall not apply to the Pwonce, ass,. or storage on the of amaU guantitim of
Hazardous Substances that aro generally recognized to be appmopriaw to�residential uses and to
maintenance of the Property(inch but sot limited haz
ited to, ardous substsnoas in Consumer Producds�
Borrower shall promptly give Lmder written notice of(a)any invests on, claim, denwtd,lawauk
or other action by any governmental or regulatory agcy or private patty involving dw Prapaty and say+
Hazardous •Sobetanca or Environmental Law of whish Borrower has act tml iasaNlodd�gee,, (b) say
$nviroruae"Couleur,including but not limited to,"y spilling,leaking,discharge,release or threat of
tvSlme of any Hazardous Substance, and(c) any condition caused by theuse or release of a
Hazardous Srebstatnee which adversely affects the value of the•Property. If Teams, Of is notified
byaqy governmaital a that regal authority,or any private patty, asy mmovd or otherretttodiatioa
of any Hazardous Substance aff ng the Property is necessary,Borrower dsl prmcreaael y W W all.necessary
remedial actions In aveardanee with Etvirn nal Law. Nothing herein MI may obltgatiou on
Larder for an Fa viroonuntal Cl
NON-UNIFORM OOVENAM .Borrower and Larder further covenant and agree as follows:.
2:L Aec+elmdon;Rmedlm herder shall give notice to Bonmver prior to aeodentba feibwiat
Borrower's bromt of srq esoetxarnt or ap+eeaseat Ga t#ds 3awrity Znstrrmaart (but not prior b
aaxleratkm under Sad6n 18-balm Appliey►bia Law provide otharw6ell Lader sha>! astih
Borrower Of,amn other tiuirt�s(a the de alt;(b)rhes siWo r+egalred to sue We eidsdt;(c)whau
the defealt mt>at be sued; aW (t�j that fdlbre to core the debalt asmq result In
accanviloa et[the stabs seared this Security bratrnene�fareciorm 1►1'�Proceeding.aad
Wk of the property.Lender shag t rtber infe m Borrower of the to relasfate dier wmass tags"
and the _to moa rtl in'the foredoem proceed the of a ddadt at sap►otbtr
Meow etf to acedem"m and farodosmw tvr the ddaall is cot cured as Leaderd
its option may%require mediate payamt In fWl of aid sans second by 06 SecW
without fwrtber demand sad Immy foreclosetWa Seeark bwbwx t by judicial proctedim Uadc'
shall be a ntided to colleet•all expenses iucurred.In nuretshsr the Temats.P*vJded In this Sictive 22,
inc but not BmItW IN Akttortu * fm snd c SU of Me etrcevideb the atmt permitted by
Ap�Lw.
2.3.)IRdaase, Uponpq mit of all sums secured.by this Security Instrument; this Security bAmm"a
and the estate'eouveyed shall terminate end become void. Atter and oocurreace. LoWer•shtdl dischatps
MW Sad* WS Securl 11a rumen Borrower shall pry any rocmxhdem costa. Lender MOW cbmw
Bmtowtr a fee for'Measl this Security Instrumenk.but only if the fee Is paid to a thrid party fa services
rendered and the charging of the fee is permitted under Applieabie Law,
24.Walvq-&Borrower.to the extent pari tied by Applicable Law,waives sad releases any error or
defects in proceedings to enforcd this Smdty Inshument, and bereeby waives the benefit of any presort or
future laws providing for stay of execution,extemien of tim MOO=from t mdment,lavy.and MOO,
and horrostead exemption. :
25. Reivatatment period, Bor owee 9 time to reinstate provided in Seotion 19 shall extepd to ow,
hour prior,to the conuneRcemt of.bidding at a sheritr 9-We or other sola pursuant to this Security
26. pprdmse Money NWtpge. If any of the debt secured by this Security btstrument Is.lest to
Borrower to acquire title to the Y,this Security Instrument shall be a purchase money mortgage.
27. Iuutereat.Rate After Judgment.Iorrower agrees that the Interest rate payable atZtr nt is
entered on the Note or in an action of mortgage foreclosure shall be the rate payable from Um to now
under the Now
ri7
-6AlPAl1�Qi N"+{of is ' 4 rem aorto +rot
OK ! 967PGO487
BY SIGNING BELOW, Borrowcr Kccpts and agrees to the tonne end ooven M conWned in this
Socurity Instrument and in any Rider oxcoted by Borrower and recorded with it.
Witneasca:
Lai
xvN stu::t -Banvwcr
(Seal)
-tom
(sem) (sea)
(seal) (saw)
o,rowrr .Dorr"w
(sea) (sem)
�.a/l(PA}gp6oaj rw.15 M 1• Form 3030 trot
8K1967PGO488
COMMONWEALTH OF PO4 MXLVANU4 CtnosoiMUM County ars
On this,the sand day of $RVbRmdmw, 2004 ,before tne,dte
undersigned of m,pea'sondly%Vcund stvik N seufIft
known to me(or
sadsWoriiy proven) to be'tbo persons) whose nanx(s) is/m subtcribed to the within instrument and.
ttc==ledged that hdsite/thoy executed tbo saute for the putposas hernia contained.
IN Wl'I9l1=WI•ISRBOF,I herettttto sec my hand sand offidal seal.
My()Duu ssion Expires:
Title of offmw
ISAL
_NO�TAttIAt•
L MURRAY NOWY P*"
ell"swlA CONN&TA
petrtiNlett114gMsr 1iM.1�lrM9
Certificate ad'Reddem*
I, �a�Raati s>auktr► ,do Eby certify tart
the correct e4dre s of the within-WnW MotWpe is P.O.Box 2026,Flint,MI 48501-2026,
Witness-my hand this 22nd dayof soptember, 2006
11�j RnR Bhtil[1 R Arent of M to a
IntWyt
rAipA)lo6ox}
Pao tt+dtn Form 3080 1101
6K 1967PGO489
1
1
CONDOMINIUM RIDER
THIS CONDOMINIUM RIDER is made this 22nd day of BePtertlber. 3001 ,
and is incorporated into and shall be deemod to amend and supplev ant the Mom Deed Of Trust,or
Segueing Deed(the"Security Instrument")of the$arms date given by the un t $lgned(the"Bwowee)to
segue Borrowar's Now to zRa mann Lomw
(the
"Ix nder")of the same date and covering the Property described in the Security Instrument and located at:
27 CoUaT Lig, cLNLtWA, VA 17013
(Pro"Addrou)
The Property includes a unit in, together with an undivided interest in the common elem b of, a
condominitun project known as:
INaw of CaedwaW.Prw".J
(the"Condominium Prq W'). If the owners assaalation or other entity which accts for dna Condominium
Project (a* "Owners Association") holds title to property for the bogfit or use of its members or
shareholders, the Property also includes Borrower's interest in the Own= Association and the ellm
proridds and bewfits of Borrowee s intmaL
CONDOMINIUM COVENANT&In addition to the eovamts and agreements made in the Security
Instnum at,Ilorrowes and Lender AuVw covenant and agree as follows:
A. Cotatomhslow ObtigatlouL Borrower shall perform all of Borrower's Obligations under the
Condon inium Project's C,crostitoo nt Documents. 'ills"Constituent Documents"aro the:(1)Declaration or
any other'tlocxmitrnt which creaus the Condominium Projecl; (ii)by-1m; (Iii)code of rcgulatlorah and
(iv) otter equivalent-documenti. Borrower shall promptly pay, when due, all duce and•assmsm a
imposed pursuant to the Constitueru Dooxw ta.
B. Property Insurance. So ions as ftowners Association nWnWcs, with a Badlyaccepted
insurance carrier, a'"nlaster" or "blanket" policy o■ the Condominium Project which is.satisfactory to
Lender and.whkh provides insuraox coverage in the amounts (including deductible lauds), for the
periods, and against loss by fha, hazards'included within the term "extended'coveragk" and any other
hazards, including, but nbt limited to, earthquakes and floods, from which Lender requires insurance,
MULTISTATE CONDOMINIUM FADER-Single Famny-Fannie Meaffmcidle Mao UNIFORM INSTRUMENT
OWA(0000) FUM$1401101
Page 1 Of 8 Ingleb:_„_�_- -
VMP MORTOAQE F"S-(800)621.7201
BK 1.967PG0490
then; (i) Lender waives the provision In Section 3 for the.Periodic Payment to Lender of the yearly
premium installments for property insurance on the Property:-and(ii)Bo owees obligation choker Section
5 to maintain property Insurance coverage on the Property is deemed satiefied to the accent that the
required coverage is provided by the Owners Association policy.
What Lender requires as a condition of this waiver can chance during the term of the 1010.
Borrower shall give bender prompt notice of any lapse in required property insurance coverage
provided by the master or blanket policy,
in the event of a distribution of property insurance proceeds in lieu of restoration or repair following
a loss to the Property, whether to the unit or to common elmaeats. any pmoeeds payable to Borrower ere
hereby assigned and shall be paid to Lender for application to tiro surto secured by the Security Instrume K,
whether or not then due,with the excess,If any,paid to Borrower.
C.Public Liability Insursaca Borrower shall take such actions as may be reasonable to insure that
the Owners Association maintains a public liability insuramve policy acceptable in form, amount, and
extent of coverage to Candor.
D. Coandemraatlon. 'The proceeds of any award or claim for damages, direct or consequential.
payable to Borrower in connection with any eodamnation or other taking of all or any part of the
Property, whether of the unit or of the common etecmanta,or for my 00aveyanoe in lieu of condemnatim
are hereby assigned and shall be paid to 1=x%'. Such proceeds shall be applied by Lader to the sums
secured by the Security Instrument as provided In Section I1.
B. Leader's Prlor Comeut. Borrower shall not, except afoer notice to Lender and with Leindoes
prior written cwnaem, either partition or subdivide the Property or consent to: (1) rho abandomnrnt or
termination of the CondoenWum Project, except for abandonment cc termination required by law In the
case of substantial destruction by fire or odw casualty or in the case of a taking by oandem nation or
eminent domain: (il)any auneadanant to any prmblon of the Constituent Doarmcants N the provision b for
•the express benefit of Lander; (iii) termloation of professional nwtwgemew and assumption of
selt4nanagame nt of the Owntxs Association: or(iv)any action which would Bove ft effect of randerlog
the public liability insuranoe coverage maintained by the Owners Association unacoeptabie.to Leader. '
F. Reweilks. If Borrower does not pay condominium dues and assmaments wbea due, then Lender
may pay them:Any amounts disbursed by Lender under this paragraph P shall become addidotnal debt of.
Borrower sww ed by tk* Security InsWAry at. Valen Borrower and,Leader agree to other terms of
paynM14 these amounts shall bear intea'est from the date of disbureenemt at the Note rate and shall be
payable,with interest,upon notice from Leder to Borrower requesting paymem
• , tnnteba,
4at-OR(0000) Pape 2 of 3 Fam alio 1101
BK1967PG049-1
MY SIGNING BELOW, Borrower aotC+ts and aha to rho terms and provisions coats oW in this
Condominium Yoder.
(S,) (Seod)
t 9P 8buli -Borrowrs Borrower
(Seal) (Sol)
-Borrow« -Borrower
( ) (Sod)
-Bow Borrower
(Seal) (SW)
_Bottowcr -Borrover
10-OR(0006) Pape 9 W 3 ForM 31 40 1101
BK 1967PG449k
ExMbit A
ALL THAT CERTAW Unit in the property known,named and identified in the
Declaration referred to below as"The Courtyards of Carlisle,A Condominium
Community",located in the Borough of Carlisle,County of Cumberland and
Commonwealth of Pennsylvania which has heretofore been submitted to the
provisions of the Pennsylvania Uniform Condominium Act,68 Pa.C.S.A.Section
3101,et seq.,by the recording in the Ofilee of the Recorder of Deeds in and for
Cumberland County,Pennsylvania,of a Declaration dated February 26)1999,and
recorded April 22,1999,in Miscellaneous Boole 61%Page 678,together with all
amendments and supplements thereto recorded on or before the date hereof and
designated as Unit No.65 as more fully described in such Declaration,together with
the proportionate undivided interest in the Common Elements as defined in such
Declaration.
UNDER AND SUBJECT to any and all covenants,conditions,restrictions,rights of
way,easements and agreements of record including,but not limited to,those
contained in the Declaration and Declaration Plan.
to be recarded .
X Certs �!�
Cum berland County ,
Xn
,Recorder
of Deeds
TSFi2d0•DU47.2 OR- 19 6 7-P O 3
..4 .,
4
O '
NOTE
September 22, 2006 CARLISLE Pennsylvania
[Date] [City]. [State]
27 COURT LN. CARLISLE, PA 17013
[Property Address]
1
1. BORROWER'S PROMISE TO PAY
In return for a loan that I have received,I promise to pay U.S. $98,760.80 (this amount is called"Principal"),
plus interest,to the order of the Lender. The Lender is ERA Home Loans
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 will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly
rate of 7.394 %.
The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B)
of this Note.
3. PAYMENTS
(A)Time and Place of Payments
I will pay principal and interest by making a payment every month.
I will make my monthly payment on the 01st day of each month beginning on November 1st, 2006 I will
make these payments every month until I have paid all of the principal and interest and any other charges described below 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. If, on October 1st, 2036 , 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 at3000 Leadenhall Road Mount Laurel, Na 08054
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. $ 683.40
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 the Note 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 full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my
Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my
Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the
Principal amount of the Note. If I make a partial Prepayment, there will be no changes in the due date or to the amount of my
monthly payment unless the Note Holder agrees in writing to those changes.
MULTISTATE FIXED RATE NOTE-Single Family-Fannle MaelFreddle Mae UNIFORM INSTRUMENT
5N(0207).01 Form 3200 1101
VMPMORTGAGE FORMS•1900)521-7291
Page 1 of 3 Inftiafs:
M
Of
•5. LOAN CHARGES f,
If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other
loan charges collected or to be collected in connection with this 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
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 or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated
as a partial Prepayment.
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 Fifteen 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 5.00%of
my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. j
(B)Default
If I do not pay the full 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 I 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 Costs 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 back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those
expenses include, for example, reasonable attorneys' fees.
7. GIVING OF NOTICES
Unless applicable law requires a`different method, any notice that must be given to me under this Note will be given by
delivering it or by mailing it by first class mail to me at the Property Address above or ata different address if I give the Note
Holder a notice 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 if I-am given a notice of that
different address.
8. OBLIGATIONS OF PERSONS UNDER THIS 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 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 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 under this Note.
9. WAIVERS
I 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 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.
Form 32QP�1101
5N(0207).01 Paget of 3 Initials: �l
4 •
UNIF&M 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 of Trust, or Security Deed(the"Security Instrument"), dated the same date as
this Note, protects the Note Holder from possible losses which might result if I do not keep the promises which I make in this
Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full
of all amounts I owe under this Note. Some of those conditions are described as follows:
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 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,-Jelv- (Sea]) (Seal)
Erik Stufft -Borrower -Borrower
-SER nF
PAY TD THE ORDER OF (Seal)PAYTOTtg aCarpeTaSon (Seal)-Borrower -Borrower
gpLeader all Rp8
00054
�IountLantel,l�s WITHOUTREC RSE
WD'►10UT AECOURSfl
Tse �Ce pTesldant Rita Calendo,A sistant ice President
- Ass_ (Seal) o oration (Seal)
EPA Loans -Borrower -Borrower
(Seal) (Seal)
-Borrower -Borrower
[Sign Original Only]
<=i-5N(0207).01 Page 3 of 3 Form 3200 1101
Chase(FL5-5110) CHASE i i
P.O. Box 44120
Jacksonville, FL 32231-4120 11 1 1111111111
7190 1075 4460 2625 8179
August 9, 2013
CERTIFIED MAIL:Return Receipt Requested and First Class Mail
00007476 HDLO CC 22113-SR860
ERIK W STUFFT
27 CT LN
CARLISLE, PA 17013-1397
Act 91 Notice
Account: ■
Property Address: 27 CT LN
CARLISLE,PA 17013 (the"Property")
Dear ERIK W STUFFT:
On the following page,you will find a notice regarding your home as required by Pennsylvania law.
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 pages.
The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
(HEMAP) may be able to help to save your home. This Notice explains how the
program works. To see if HEMAP can help, you must MEET WITH A CONSUMER
CREDIT COUNSELING AGENCY WITHIN THIRTY-THREE (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 800-342-2397. (Persons
with impaired hearing can call 717-780-1869.)
This Notice contains important legal information. If you have any questions,
representatives at the Consumer Credit Counseling Agency may be able to help explain
it. You may also want to contact an attorney in your area. The local bar association
may be able to help you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES
AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO
COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA
TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO
MENCIONADO 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 REDIMIR SU HIPOTECA.
HOMEOWNER'S NAME(S): ERIK W STUFFT
PROPERTY ADDRESS: 27 CT LN
CARLISLE,PA 17013
LOAN ACCOUNT NUMBER:
ORIGINAL LENDER: ERA HOME LOANS
CURRENT LENDER/SERVICER: JPMorgan Chase Bank,N.A.
Q
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE
PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE
WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND
HELP YOU MAKE FUTURE MORTGAGE PAYMENTS.
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE ACT OF 1983(THE"ACT"),YOU MAY BE ELIGIBLE FOR
EMERGENCY MORTGAGE ASSISTANCE:
IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR
CONTROL,
IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR
MORTGAGE PAYMENTS,AND
IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE
PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE --Under the Act,you are entitled to a temporary stay of
foreclosure on your mortgage for thirty(30)days from the date of this Notice(plus three(3)days for mailing).
During that time,you must arrange and attend.a"face-to-face"meeting with one of the consumer credit
counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN
THIRTY-THREE(33)DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR
EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE.
THE PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT"
EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES --If you meet with one of the consumer credit
counseling agencies listed at the end of this notice,the lender may NOT take action against you for thirty(30)
days after the date of this meeting. The names,addresses,and telephone numbers of designated consumer
credit counseling agencies for the county in which the property is located are set forth at the end of this Notice.
It is only necessary to schedule one face-to-face meeting.Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE --Your mortgage is in default for the reasons set
forth later in this Notice(see following pages for specific information about the nature of your default). You
have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance
Program. To do so,you must fill out, sign,and file a completed Homeowner's Emergency Assistance Program
Application with one of the designated consumer credit counseling agencies listed at the end of this Notice.
Only consumer credit counseling agencies have applications for the program and they will assist you in
submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the
lender from filing a foreclosure action, your application MUST be forwarded to 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 THIRTY-THREE(33)DAYS OF THE
POSTMARK DA TE OF THIS NOTICE AND FILE ANAPPLICA TION WITH THE PHFA WITHIN
THIRTY(30)DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY
PREVENTED FROM STARTING A FORECLOSURE A CTION A GAINST 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 EVENTUALLYAPPROVED AT ANY
TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED.
AGENCY ACTION--Available funds for emergency mortgage assistance are very limited.They will be
disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing
Finance Agency has sixty(60)days to make a decision after it receives your application. During that time,no
foreclosure proceedings will be pursued against you if you have met the time requirements set forth above.
You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN
BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATIONAL
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:
27 CT LN,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:
06/01/2013 $855.54
07/01/2013 $855.54
08/01/2013 $855.54
Other charges:
Late Charges: $68.32
Insufficient Funds(NSF)Fees: $0.00
Other Fees: $0.00
Advances: $0.00
Amount Held in Suspense: $0.00
TOTAL AMOUNT PAST DUE: $2,634.94
HOW TO CURE THE DEFAULT--You may cure the default within THIRTY(30)DAYS of the date of
this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER,WHICH IS
$2,634.94,PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE
DURING THE THIRTY(30)-DAY PERIOD.Payments must be made by cash,cashier's check, certified
check or money order made payable and sent to:
Overnight/Regular Mail: Chase
Mail Code:01-14-7133
3415 Vision Drive
Columbus,OH 43219-6009
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 mortea2ed 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 Lip to one hour before the Sheriff s 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 any other costs connected with the Sheriffs Sale as specified in
writing by the lender, and by performing any other requirements under the mortgage. Curing your default in
the manner set forth in this Notice will restore your mortgage to the same position as if you had never
defaulted.
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 five to six(5 to 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: Chase
Address: Mail Code:OH4-7384
3415 Vision Drive
Columbus,OH 43219
Telephone Number: 800-848-9380
Fax Number: 614-500-4605
Contact Person: Bruno Mejia
E-mail Address: state.programs.intake@jpmchase.com
EFFECT OF SHERIFF'S SALE--You should realize that a Sheriffs Sale will end your ownership of the
mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff s Sale,
a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE--You X may or may not sell or transfer your home to a
buyer or transferee who will assume the mortgage debt,provided that all the outstanding payments,charges,
and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage
are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR
TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS
DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT
HAD OCCURRED,IF YOU CURE THE DEFAULT. (HOWEVER,YOU DO NOT HAVE THIS
RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR
YEAR.)
TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING
OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION
BY THE LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY
CUMBERLAND COUNTY
Advantage Credit Counseling Service/CCCS of 888-511-2227 2000 Linglestown Road Harrisburg 17102
Western PA
Community Action Commission of Capital 717-232-9757 1514 Derry Street Harrisburg 17104
Region
Housing Alliance of York/Y Housing Resources 717-855-2752 290 West Market Street York 17401
Maranatha 717-762-3285 43 Philadelphia Avenue Waynesboro 17268
Pennsylvania interfaith Community Programs, 717-334-1518 40 E.High Street Gettysburg 17325
Inc.
PHFA 717-780-3940 211 North Front Street Harrisburg 17110
800-342-2397
Rev. 10/12
FM646
Y
We are attempting to collect a debt,and any information obtained will be used for that purpose.
If you are represented by an attorney,please refer this letter to your attorney and provide us with the
attorney's name,address,and telephone number.
To the extent your original obligation was discharged,or is subject to an automatic stay of bankruptcy
under Title I I of the United States Code,this notice is for compliance and/or informational purposes
only and does not constitute an attempt to collect a debt or to impose personal liability for such
obligation.However,a secured party retains rights under its security instrument,including the right to
foreclose its lien.
IMPORTANT NOTICE TO SERVICEMEMBERS AND THEIR DEPENDENTS
If you are or recently were on active duty or active service,you may be eligible for benefits and protections
under the federal Servicemembers Civil Relief Act(SCRA). This includes protection from foreclosure or
eviction. You may also be eligible for benefits and protections under state law. SCRA and state Military
benefits and protections also may be available if you are the dependent of an eligible Servicemember.
Eligible service may include:
Active duty with the Army,Navy,.Air Force,Marine Corps, or Coast Guard,or
Active service as a commissioned officer of the National Oceanic and Atmospheric Administration,or
Active service as a commissioned officer of the Public Health Service,or
Service with the forces of a nation with which the United States is allied in a war or Military action,
or
Service with the National Guard of a state militia under a state call of duty,or
Any period when you are absent from duty because of sickness,wounds, leave,or other lawful cause.
For more information,please call Chase Military Services at 877-469-0110.
AN IMPORTANT REMINDER FOR ALL OUR CUSTOMERS
As stated in the"Questions and Answers for Borrowers about the Homeowner Affordability and Stability
Plan"distributed by the Obama Administration, "Borrowers should beware of any organization that attempts
to charge a fee for housing counseling or modification of a delinquent loan,especially if they require a fee in
advance."Loan modification scams should be reported to PreventLoanScams.org,or by calling
888-995-HOPE; 888-995-4673.We offer loan modification assistance free of charge(i.e.,no modification fee
required).Please call us immediately at 866-550-5705 to discuss your options. The longer you delay, the
fewer options you may have.
BR860
7
Pennsylvania Verification
CHRISTOPHER M. COOPER II , hereby states that he/she is Vice President of
JPMorgan Chase Bank,N.A. 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. 4904 relating to unsworn
falsification to authorities.
Z-A�Cdrkcz 611—lpq I-I LJLIr%-J
CHRIST(3P'4ER'Nf COOP R II
Vice President
Date: 04/21/14
JPMorgan Chase Bank,N.A
Borrower: STUFFT, ERIK
Property Address: 27 CT LN. CARLISLE PA. 17013
County: CUMBERLAND
Last Four of Loan Number:0468
w
t
FORM 1
IN THE COURT OF COMMON PLEAS OF
JPMorgan Chase Bank,National Association : CUMBERLAND COUNTY, c-a -•,3
PENNSYLVANIA 5
Plaintiff(s) rn
k7-
vs.
-VS. � ID
Erik W. Stufft
27 Court Lane C:) -
Carlisle, PA 17013 v ` `_
S m r >
DEFENDANT
Defendant(s) Civil
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 251.0 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 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 submitted:
SHAPIR DeNARDO,LLC
1, t
Date7 Attorneys for Plaintiff
1
FORM 2
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:
CUSTOMER/PRIMARY , . .
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:
ther:Email:
# of people in household How Long?
FINANCIAL • ' •
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 & Insurance:
Date of Last Payment:
Primary Reason for Default:
Is the Loan in Bankruptcy? Yes 0 No 0
1
S
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.
2.
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
Mortage Food
2"d 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 & 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:
2
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 know, 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 in 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
Co-Borrower Signature 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)
FORM 3
IN THE COURT OF COMMON PLEAS OF
JPMorgan Chase Bank,National Association CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff(s)
VS.
Erik W. Stufft
27 Court Lane
Carlisle, PA 17013
DEFENDANT
Defendant(s) Civil
REQUEST FOR CONCILIATION CONFERENCE
Pursuant to the Administrative Order dated , 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 false 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
FORM 4
IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff(s)
VS.
Defendant(s) Civil
CASE MANAGEMENT ORDER
AND NOW, this day of , 20 , the defendant/borrower in the
above-captioned residential mortgage foreclosure action having filed a Request for Conciliation
Conference verifying that the defendant/borrower has 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 at M. in
at the Cumberland County Courthouse, Carlisle, Pennsylvania.
2. At least twenty-one (2 1) 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 or 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
J.
Ronny R Anderson
Sheriff
Jody S Smith
Chief, Deputy
Richard W Stewart
Solicitor
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
OFFICE OF Fh.`E
l'i-OLiONO TA
2314 Jljs ° 13 PI 2: I
CUMBERLAND COUNTY
PENNSYLVANIA
JPMorgan Chase Bank, National Association
vs.
Erik W Stufft
Case Number
2014-3052
SHERIFF'S RETURN OF SERVICE
05/23/2014 Ronny R Anderson, Sheriff, 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 Found" at 27 Court Lane, Carlisle Borough,
Carlisle, PA 17013. Residence is vacant.
05/23/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry
for the within named Defendant to wit: Erik W Stufft, 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 Found" at 27 Court Lane, Carlisle
Borough, Carlisle, PA 17013. Residence is vacant and per the Carlisle Postmaster mail is delivered to the
address provided.
SHERIFF COST: $54.78 SO ANSWERS,
June 10, 2014
(c) CountySuite Sheriff, Teleosoft, Inc.
7
RONR ANDERSON, SHERIFF
SHAPIRO & DeNARDO, LLC
BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY
CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO.
BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169
CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 14-045194
JPMorgan Chase Bank, National Association
PLAINTIFF
VS.
Erik W. Stufft
DEFENDANT
I.D. NO. 78447'' Jt
C
311403
pj
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO: 14-3052
PRAECIPE FOR REINSTATEMENT
TO THE PROTHONOTARY:
Kindly reinstate the Complaint in the above -captioned matter.
Date:
BY:
SHAPIRO & DeNARDO, LLC
TUN M. DONNELLY, ESQ
Attorneys for Plaintiff
SHAPIRO & DeNARDO, LLC
BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447
BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169
CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 C-,
LEEANE 0. HUGGINS, ATTORNEY I.D. NO. 85144
3600 HORIZON DRIVE, SUITE 150 za3
KING OF PRUSSIA, PA 19406 ztx.
TELEPHONE: (610)278-6800 "'�
S & D FILE NO. 14-045194 <c)
JPMorgan Chase Bank, National Association COURT OF COMMON PLEA 2
PLAINTIFF CIVIL DIVISION T>
VS. CUMBERLAND COUNTY
Erik W. Stufft
DEFENDANT N0:14-3052
.2g
cD
f11:
-e1
CD
—a C.
-71C
50
PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER
AND ASSESSMENT OF DAMAGES
Enter Judgment IN REM in the amount of $107,546.33 in favor of the Plaintiff and against
the Defendant, jointly and severally, for failure to file an answer to Plaintiffs Complaint in Mortgage
Foreclosure within 20 days from service thereof and assess Plaintiffs damages as follows and
calculated as stated in the Complaint:
Principal of Mortgage Debt Due and Unpaid
Interest Accrued
Late Charges
Escrow Balance
Attorney Fees & Costs of Foreclosure
TOTAL
BY:
$91,171.15
$9,474.61
$1,962.02
$2,571.75
$2,366.80
$107,546.33
6401 TOSIzarAttomey for Plaintiff
AND NOW, judgment is entered in favor of the Plaintiff . • ,.•� ��
damages are assessed as above in the sum of $107,546.33
P Prot
14-045194
‘SHAPIRO & DeNARDO, LLC
BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447
BRADLEY J. OSBORNE, ATTORNEY I.D. NO, 312169
CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437
LEEANE 0. HUGGINS, ATTORNEY I.D. NO. 85144
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 14-045194
JPMorgan Chase Bank, National Association COURT OF COMMON PLEAS
3415 Vision Drive CUMBERLAND COUNTY
Columbus, OH 43219
PLAINTIFF 14-3052
VS.
Erik W. Stufft
DEFENDANT(S)
STATE OF: Pennsylvania
COUNTY OF: Montgomery
AFFIDAVIT OF NON-MILITARY SERVICE
THE UNDERSIGNED being duly sworn, states that he/she is over the age of eighteen years
and competent to make this affidavit and the following averments are based upon information
contained in the records of the Plaintiff or servicing agent of the Plaintiff and that the above
captioned Defendants last known address is as set forth in the caption and they are not to the best of
our knowledge, information or belief, in the Military or Naval Service of the United States of
America or its Allies as defined in the Soldiers and Sailors Civil Relief Act of 1940, as amended.
Date: /0/b// BY:
Sworn to and subscribed
before me this la. day
64-eAr , 2014.
Notary Public
COMMONWEALTH OF PENNSYLVANIA
NOTARIAL SEAL
Denise L. Semetti, Notary Public
Upper Merlon Twp., Montgomery County
My Commission Expires July 22, 2018
MEMBER, PENNSYLVANIA ASSOCIATION OF NOTARIES
SHAPIRO & DeNARDO, LLC
porf, s for Plaintiff
DLEY J. OSBORNE, ESQ.
Department of Defense Manpower Data Center
Status Report
Pursuant to 'Serviceruermbcrs Civil Relief Act.
Last Name: STUFFT
First Name: ERIK
Middle Name: W.
Active Duty Status As Of: Oct -06-2014
Results as of : Oct -06.2014 05:26:07 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
Leti Active Duty Within 387 D ys of Active Duty Status Date
Active Duty Start Date
Active Duty End Date
Status
Service Component
NA
i NA :.
No - !
NA
This re
ponse reflects where the individual left active duty status v:ithin 367 days preceding the Active Duty Status Date
The Member or His/Her Unit Was Notified of a Futu e Call.Up to Active Duty on Active Duty Status Date
ti
Order Notification Start Date
Order Notification End Date
Status
Service Component
NA
. NA '
r 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.
Yit
Mary M. Snavely -Dixon, Director
Department of Defense - Manpower Data Center
4800 Mark Center Drive, Suite 04E25
Arlington, VA 22350
The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility
Reporting Sysrm (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems.
The Dt§ strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 et seq, as amended) (SCRA) (formerly known as
the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the
individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family
member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the
protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the
"defenselink.mil" URL: http://www.defenselink.mil/faq/pis/PCO9SLDR.html. If you have evidence the person was on active duty for the active duty status
date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 521(c).
This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active
Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active
duty on the Active Duty Status Date.
More information on "Active Duty Status"
Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less
than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service
authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the
President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the
unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve
Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S.
Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps),
Coverage Under the SCRA is Broader in Some Cases
Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be
reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods.
Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1),
Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website
certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service.
Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not
actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA
extend beyond the last dates of active duty.
Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA
are protected
WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing
erroneous information will cause an erroneous certificate to be provided.
Certificate ID: KEF71D8130F5160
SHAPIRO & DeNARDO, LLC
BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447
CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY LD. NO. 311403
BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169
CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 14-045194
JPMorgan Chase Bank, National Association
PLAINTIFF
VS.
Erik W. Stufft
DEFENDANT
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO: 14-3052
CERTIFICATION OF MAILING NOTICE UNDER RULE 237.1
The undersigned hereby certifies that a Written Notice of Intention to File a Praecipe for
the Entry of Default Judgment was mailed to the defendant (s) and to his, her, their attorney of
record, if any, after the default occurred and at least (10) days prior to the date of the filing of the
Praecipe. Said Notice was sent on the date set forth in the copy of said Notice attached hereto,
August 29, 2014 to the following Defendants:
Erik W. Stufft, 675 Mower Road, Chambersburg, PA 17202
heresa BesleLega1 Assistant
to Christopher A. DeNardo, Esquire for
Shapiro & DeNardo, LLC
SHAPIRO & DeNARDO, LLC
BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447
CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403
BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169
CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 14-045194
JPMorgan Chase Bank, National Association COURT OF COMMON PLEAS
PLAINTIFF CIVIL DIVISION
CUMBERLAND COUNTY
VS.
Erik W. Stufft
DEFENDANT
NO: 14-3052
NOTICE OF INTENTION TO TAKE DEFAULT
UNDER Pa.R.C.P. 237.1
IMPORTANT NOTICE
TO: Erik W. Stufft
DATE OF NOTICE: August 29, 2014
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 the claims set forth against you. Unless you
act within ten (10) days from the date of this notice, a Judgment may be entered against you without a
hearing and you may lose your property or other important rights. You should take this notice to a lawyer at
once. If you do not have a lawyer or cannot afford one, go to or telephone the following office 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
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED
THAT TIM LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO
COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
NOTTFICACION IMPORTANTE
Usted se encuentra en estado de rebeldia por no haber tornado la accion requirida de su parte en
este caso. Al no tomar la accion debida dentro de un termino de diet (10) dias de la fecha de esta
notificacion, el tribuna podra, sin necesidad de compararecer usted in corte o escuchar preuba
alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos importantes.
Debe Ilevar esta notificacion a un abogado immediatamente: Si usted no time abogado o Si no
tiene dinero suficiente para tal servicio, vaya en persona o llarne por telefono a la oficina cuya
direccion se encuentra escrita abajo para averiguar donde se puede conseguir assitencia
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT VOL! ARE
ADVISED THAT THIS LAW FIRM IS DEEMED TO 13E A DEBT COLLECTOR
ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION 0I3TAINED WILL 13E
USED FOR THAT PURPOSE.
PERSONS TO WHOM RULE 237.1 NOTICE SENT TO:
Erik W. Stufft, 675 Mower Road, Chambersburg, PA 17202
Date: 9,,71-1(1.
S-AP1RO & DeNARDO, LLC
isfoP1a if
CArarN M. tCNLLY,
SHAPIRO & DeNARDO, LLC
BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447
BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169
CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437
LEEANE 0. HUGGINS, ATTORNEY I.D. NO. 85144
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 14-045194
JPMorgan Chase Bank, National Association COURT OF COMMON PLEAS
PLAINTIFF CIVIL DIVISION
VS. CUMBERLAND COUNTY
Erik W. Stufft
DEFENDANT NO:14-3052
CERTIFICATE OF SERVICE
I, Bradley J Osborne, Attorney for the Plaintiff, hereby certify that I have served by first class
mail, postage prepaid, true and correct copies of the attached papers upon the following person(s) or
their attorney of record:
Erik W. Stufft, 675 Mower Road, Chambersburg, PA 17202
Date Mailed:
Date:
BY:
SHAPIRO & DeNARDO, LLC
neys for Plaintiff
SHAPIRO & DeNARDO, LLC
BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447
BRADLEY J. OSBORNE, ATTORNEY LD. NO. 312169
CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437
LEEANE 0. HUGGINS, ATTORNEY I.D. NO. 85144
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 14-045194
JPMorgan Chase Bank, National Association COURT OF COMMON PLEAS
PLAINTIFF CIVIL DIVISION
VS. CUMBERLAND COUNTY
Erik W. Stufft
DEFENDANT NO:14-3052
CERTIFICATION OF ADDRESS
I hereby certify that the correct address of the judgment creditor (Plaintiff) is:
JPMorgan Chase Bank, National Association
3415 Vision Drive
Columbus, OH 43219
and that the last known address of the judgment debtor (Defendant) is:
Erik W. Stufft
675 Mower Road
Chambersburg, PA 17202
Date:
14-045194
BY:
SHAPIRO & DeNARDO, LLC
A rneys for Plaintiff
OFFICE OF THE PROTHONOTARY
COURT OF COMMON PLEAS
Cumberland County Clerk
Cumberland County Courthouse
1 Courthouse Square
Carlisle, PA 17013
David D. Buell
Prothonotary
TO: Erik W. Stufft
675 Mower Road
Chambersburg, PA 17202
JPMorgan Chase Bank, National Association
PLAINTIFF
VS.
Erik W. Stufft
DEFENDANT
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
CASE NO. 14-3052
NOTICE
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.
David D. Buell
Prothonotary
[XX] Judgment by Default
[ ] Judgment for Possession
[ ] Judgment on Award of Arbitration
[ ] Judgment on Verdict
[ ] Judgment on Court Findings
IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL:
ATTORNEY BRADLEY J OSBORNE AT (610)278-6800.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
PRAECIPE FOR WRIT OF EXECUTION
Caption:
JPMorgan Chase Bank, National Association
PLAINTIFF
vs.
( ) Confessed Judgment
( ) Other 4 9 os9,
File No. 1' D
Amount Due $107,546.33
Interest September 27, 2014 to March 4,
2015 is $3,463.97
Atty's Comm
Costs
-.0
rn --- -i--;
z rn
r:-.- -
Erik W. Stufft 2 .)
DEFENDANT(S)
TO THE PROTHONOTARY OF THE SAID COURT: <czi
3> C--• CI' -`1
The undersigned hereby certifies that the below does not arise out of a retail installment, ctracO account
based on a confession of judgment, but if it does, it is based on the appropriate original proceed 4 fiie.slpuT4uant to Act
7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. _< —
a
h.)
Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon
the following described property of the defendant(s)
See attached Legal Description
PRAECIPE FOR ATTACHEMENT EXECUTION
Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above,
directing attachment against the above-named garnishee(s) for the following property (if real
estate, supply six copies of the description; supply four copies of lengthy personalty list)
and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s).
(Indicate) Index this writ against the garnishee(s) as a lis pendens against real estate of the
defendant(s) described in the attached exhibit.
Date:
G18-.5-0 feta4
cit
fifr
:7
SqjI
#1
4 •
/1
/ j. 511 tot,
11
Signature:
Print Name: y J Osborne
Address: i Horizon Drive, Suite 150
King of Prussia, PA 19406
Attorney for: Plaintiff
Supreme Court ID # PA Bar # 312169
ax_c Co,
5-,s6
ALL THAT CERTAIN Unit in the property known, named and identified in the Declaration
referred to below as "The Courtyards of Carlisle, A Condominium Community," located in the
Borough of Carlisle, County of Cumberland and Commonwealth of Pennsylvania which has
heretofore been submitted to the provisions of the Pennsylvania Uniform Condominium Act, 68
Pa.C.S.A. Section 3101, et seq., by the recording in the Office of the Recorder of Deeds in and
for Cumberland County, Pennsylvania, of a Declaration dated February 26, 1999, and recorded
April 22, 1999, in Miscellaneous Book 610, Page 678, together with all amendments and
supplements thereto recorded on or before the date hereof and designated as Unit No. 65 as more
fully described in such Declaration, together with the proportionate undivided interest in the
Common Elements as definded in such Declaration.
UNDER AND SUBJECT to any and all covenants, conditions, restrictions, rights of way,
easements and agreements of recording including, but not limited to, those contained in the
Declaration and Declaration Plan.
PARCEL No. 06-18-1371-002-065
BEING the same premises which COC Associates a Pennsylvania Limited Partnership, by Deed
dated September 20, 2006 and recorded September 26, 2006 and in the Cumberland County
Recorder of Deeds Office in Deed Book 276, page 4056, granted and conveyed unto Erik W.
Stufft, single person.
SHAPIRO & DeNARDO, LLC
BY: CHRISTOPHER A. DeNARDO,
ESQUIRE, ATTORNEY LD. NO. 78447
BRADLEY J. OSBORNE, ATTORNEY I.D.
NO. 312169
CHANDRA M. ARKEMA, ATTORNEY
LD. NO. 203437
LEEANE 0. HUGGINS, ATTORNEY I.D.
NO. 85144
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
5 & D FILE NO. 14-045194
JPMorgan Chase Bank, National Association
PLAINTIFF
VS.
Erik W. Stufft
DEFENDANT
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
CASE NO. 14-3052
AFFIDAVIT PURSUANT TO RULE 3129.1
JPMorgan Chase Bank, National Association, Plaintiff in the above action, sets forth, as
of the date the praecipe for the writ of execution was filed, the following information concerning
the real property located at 27 Court Lane, Carlisle, PA 17013.
1. Name and address of Owner(s) or Reputed Owner(s)
Erik W. Stufft
675 Mower Road
Chambersburg, PA 17202
2. Name and address of Defendant in the judgment:
Erik W. Stufft
675 Mower Road
Chambersburg, PA 17202
3. Name and last known address of every judgment creditor whose judgment is a record lien
on the real property to be sold:
JPMorgan Chase Bank, National Association
3415 Vision Drive
Columbus, OH 43219
Chase Bank USA, NA
3700 Wiseman Blvd,
San Antonio, TX 78251
4. Name and address of the last recorded holder of every mortgage of record:
JPMorgan Chase Bank, National Association
3415 Vision Drive
Columbus, OH 43219
Mortgage Electronic Registration Systems, Inc.
1586 Spring Mill Road
Vienna, VA 22182
ERA Mortgage
3000 Leadenhall Road
Mount Laurel, NJ 08054
5. Name and address of every other person who has any record lien on the property:
PA Department of Revenue
Bureau of Compliance
P.O. Box 281230
Harrisburg, PA 17128-1230
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:
Cumberland County Domestic Relations
13 North Hanover Street
Carlisle, PA 17013
7. Name and address of every other person of whom the plaintiff has knowledge who has any
interest in the property which may be affected by the sale:
TENANT OR OCCUPANT
27 Court Lane
Carlisle, PA 17013
The Courtyards of Carlisle Unit Owners Association, Inc.
c/o Sterling Property Management, Inc.
337 Lincoln Street
Carlisle, PA 17013
The Courtyards of Carlisle Unit Owners Association, Inc.
c/o Russell, Kraft & Gruber
930 Red Rose Court, Suite 300
Lancaster, PA 17601
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 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities.
BY:
14-045194
SHAPIRO & DeNARDO, LLC
SHAPIRO & DeNARDO, LLC
BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447
BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169
CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437
LEEANE O. HUGGINS, ATTORNEY I.D. NO. 85144
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 14-045194 , , „;
JPMorgan Chase Bank, National Association COURT OF COMMON PLEAS,
PLAINTIFF CIVIL DIVISIONrnco '';
rr
VS. CUMBERLAND COUNTY 7"cj
Erik W. Stufft �' c
DEFENDANT NO: 14-3052 <32. cD-.
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY A
TO: Erik W. Stufft "
675 Mower Road
Chambersburg, PA 17202
Your house (real estate) at:
27 Court Lane, Carlisle, PA 17013
06-18-1371-002-065
is scheduled to be sold at Sheriffs Sale on March 4, 2015 at:
Cumberland County Sheriffs Office
1 Courthouse Square
Carlisle, PA 17013
at 10:OOAM to enforce the court judgment of $107,546.33 obtained by JPMorgan Chase Bank,
National Association against you.
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriffs Sale you must take immediate action:
1. The sale will be cancelled if you pay back to JPMorgan Chase Bank, National
Association the amount of the judgment plus costs or the back payments, late charges,
costs, and reasonable attorney's fees due. To find out how much you must pay, you may
call: (610)278-6800.
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 be able to stop the sale through other legal proceedings.
4. 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 page two of 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.
5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You
may find out the price bid by calling (610)278-6800.
6. You may be able to petition the Court to set aside the sale if the bid price was grossly
inadequate compared to the value of your property.
7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale.
To find out if this has happened you may call 717-240-6390.
8. 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.
9. 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.
10. 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 no later than
thirty days after the Sheriff Sale. This schedule will state who will be receiving the
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 the date of filing of said schedule.
11. 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 YOUR 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 Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED
THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO
COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
14-045194
ALL THAT CERTAIN Unit in the property known, named and identified in the Declaration
referred to below as "The Courtyards of Carlisle, A Condominium Community," located in the
Borough of Carlisle, County of Cumberland and Commonwealth of Pennsylvania which has
heretofore been submitted to the provisions of the Pennsylvania Uniform Condominium Act, 68
Pa.C.S.A. Section 3101, et seq., by the recording in the Office of the Recorder of Deeds in and
for Cumberland County, Pennsylvania, of a Declaration dated February 26, 1999, and recorded
April 22, 1999, in Miscellaneous Book 610, Page 678, together with all amendments and
supplements thereto recorded on or before the date hereof and designated as Unit No. 65 as more
fully described in such Declaration, together with the proportionate undivided interest in the
Common Elements as definded in such Declaration.
UNDER AND SUBJECT to any and all covenants, conditions, restrictions, rights of way,
easements and agreements of recording including, but not limited to, those contained in the
Declaration and Declaration Plan.
PARCEL No. 06-18-1371-002-065
BEING the same premises which COC Associates a Pennsylvania Limited Partnership, by Deed
dated September 20, 2006 and recorded September 26, 2006 and in the Cumberland County
Recorder of Deeds Office in Deed Book 276, page 4056, granted and conveyed unto Erik W.
Stufft, single person.
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
JPMORGAN CHASE BANK, NATIONAL ASSOCIATION
Vs.
ERIK W. STUFFT
WRIT OF EXECUTION
NO 14-3052 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 Unifoiru Commercial Code)
NOTE: Description of property must be attached to the writ.
Amount Due: $107,546.33 L.L.: $.50
Interest SEPTEMBER 27, 2014 TO MARCH 4, 2015 IS $3463.97
Atty's Comm:
Atty Paid: $215.28
Plaintiff Paid:
Date: 10/10/14
(Seal)
Due Prothy: $2.25
Other Costs:
2,„exL
David D. B . ell, Prothonotary
Deputy
REQUESTING PARTY:
Name: BRADLEY J. OSBORNE, ESQ.
Address: SHAPIRO & DENARDO, LLC3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
Attorney for: PLAINTIFF
Telephone: 610-278-6800
Supreme Court ID No. 312169
SHAPIRO & DeNARDO, LLC
BY: CHRISTOPHER A. DeNARDO,
ESQUIRE, ATTORNEY I.D. NO. 78447
BRADLEY J. OSBORNE, ATTORNEY I.D.
NO. 312169
CHANDRA M. ARKEMA, ATTORNEY
I.D. NO. 203437
LEEANE O. HUGGINS, ATTORNEY I.D.
NO. 85144
SARAH K. McCAFFERY, ATTORNEY LD.
NO. 311728
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S & D FILE NO. 14-045194
JPMorgan Chase Bank, National Association
PLAINTIFF
VS.
Erik W. Stufft
DEFENDANT
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
CASE NO. 14-3052
AMENDED AFFIDAVIT PURSUANT TO RULE 3129.1
JPMorgan Chase Bank, National Association, Plaintiff in the above action, sets forth, as
of the date the praecipe for the writ of execution was filed, the following information concerning
the real property located at 27 Court Lane, Carlisle, PA 17013.
1. Name and address of Owner(s) or Reputed Owner(s)
Erik W. Stufft
675 Mower Road
Chambersburg, PA 17202"
2. Name and address of Defendant in the judgment:
Erik W. Stufft
675 Mower Road
Chambersburg, PA 17202
3. Name and last known address of every judgment creditor whose judgment is a record lien
on the real property to be sold:
JPMorgan Chase Bank, National Association
3415 Vision Drive
Columbus, OH 43219
Chase Bank USA, NA
3700 Wiseman Blvd.
San Antonio, TX 78251
4. Name and address of the last recorded holder of every mortgage of record:
JPMorgan Chase Bank, National Association
3415 Vision Drive
Columbus, OH 43219
Mortgage Electronic Registration Systems, Inc.
1586 Spring Mill Road
Vienna, VA 22182
ERA Mortgage
3000 Leadenhall Road
Mount Laurel, NJ 08054
5. Name and address of every other person who has any record lien on the property:
PA Department of Revenue
Bureau of Compliance
P.O. Box 281230
Harrisburg, PA 17128-1230
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:
Cumberland County Domestic Relations
13 North Hanover Street
Carlisle, PA 17013
7. Name and address of every other person of whom the plaintiff has knowledge who has any
interest in the property which may be affected by the sale:
TENANT OR OCCUPANT
27 Court Lane
Carlisle, PA 17013
The Courtyards of Carlisle Unit Owners Association, Inc.
c/o Sterling Property Management, Inc.
337 Lincoln Street
Carlisle, PA 17013
The Courtyards of Carlisle Unit Owners Association, Inc.
c/o Russell, Kraft & Gruber
930 Red Rose Court, Suite 300
Lancaster, PA 17601
Select Property & Association Management
c/o The Courtyards of Carlisle Unit Owners' Association, Inc.
1000 North Prince Street
Lancaster, PA 17603
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 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities.
BY:
14-045194
B&R
Services for Professionals Inc.
JPMorgan Chase Bank, N.A.
-vs-
Erik W. Stufft
235 SOUTH 13TH STREET
PHILADELPHIA, PA 19107
PHONE: (215) 546-7400
FAX: (215) 985-0169
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF PHILADELPHIA:
COURT
PS
National Association of Philadelphia Association
Professional Process Servers of Professional Process Servers
Court of Common Pleas of Pennsylvania
COUNTY Cumberland County
CASE NUMBER 14-3052
AFFIDAVIT OF SERVICE
B&R Control # CS119342 -1
Reference Number 14-045194
***Special Instructions ***
71Served Date
In the manner described below.
z
SERVICE INFORMATION
On 28 day of October, 2014 we received the
Notice of Sheriff Sale
for service upon Erik W. Stufft
at 675 Mower Road Chambersburg, PA 17202
Time // (3 , M Accepted By:
Personally served.
Adult family member. Relationship is
s -/u 1/ -*;;e. r;a
Adult in charge of residence who refused to give name and/or relationship.
Manager/Clerk of place of residence lodging
Agent or person in charge of office or usual place of business
Other
tl
Description of Person Age 3T Height O? Weight c) -d -p
17 Not Served Date
Other browh a; r
Race 4,
Sex Ma /C
Not Served Information
II
Moved I I Unknown
Time
II
No Answer
Vacant Other
The Process Server, being duly sworn,
deposes and says that the facts set forth
herein are true and correct to the best of their
knowledge, information and belief.
Process Server/S1er-iff-
Law Firm Phone (610)278-6800
Bradley J Osborne, Esquire
Shapiro and DeNardo LLC
3600 Horizon Drive
Suite 150
King of Prussia, PA 19406
- o d fIDNrl-
Fo
COMMONWEALTH OF PENNSYLVANIA
NOTARIAL SEAL
Brittany Ed ' ., , ptary Public
Low ' : on 'Township Dauphin County
y commissi _ expires April 11, 2018
Sworn to and subscribed before me this
day of )0yeA'YA9Q,rf
Notary Pub
ServeBy Date 11/27/2014
Filed Date -
Sale 3/4/2015
ORIGINAL
301MRG
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
OF.=ICF ^..F TE kF'RI
7GV5 J:°*° -7 Pi 2: �<
r^;,JVIBL RLAND
PENNISYL,VAJ,11 ;
JPMorgan Chase Bank, National Association
vs.
Erik W Stufft
Case Number
2014-3052
SHERIFF'S RETURN OF SERVICE
06/19/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry
for the within named Defendant to wit: Erik W Stufft, but was unable to locate the Defendant in the
Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Franklin, Pennsylvania to serve the within
Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure
according to law.
06/30/2014 02:20 PM - The requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint
in Mortgage Foreclosure served by the Sheriff of Franklin County upon Benjamin McAffee, Roommate,
who accepted for Erik W Stufft, at 675 Mower Road, Chambersburg, PA 17202. Dane Anthony, Sheriff,
Return of Service attached to and made part of the within record.
SHERIFF COST: $37.00 SO ANSWERS,
December 30, 2014
(c) CountySuito Sheriff, Teleosoft, Inc.
RONNR ANDERSON, SHERIFF
12/30/2014 12:55 7172613882 PAGE 04/04
SH1;Klee' S KE,TUKN - Ktui LAK
"ASE NO: 2014-00240 T
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF FRANKLIN
JPMORGAN CHASE BANK NATIONAL
VS
ERIK W STUFFT
JONATHAN NALEWAK , Deputy Sheriff of FRANKLIN
County, Pennsylvania, who being duly sworn according to law,
says, the within COMP MORT FORE
was served upon
STUFFT ERIK W the
DEFENDANT , at 1420:00 Hour, on the 30th day of June , 2014
at 675 MOWER ROAD
CHAMBERSBURG, PA 17202 by handing to
BENJAMIN MCAFEE ROOMMATE
a true and attested copy of COMP MORT FORE together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs; So Answers:
Docketing .00
Service .00 JONATHAN NALEWAK
Affidavit .00
Surcharge .00 By _
.00 Deputy Sheriff
.00 07/31/2014
SHAPIRO AND DENARDO LLC
Sworn and Subscribed to before
me this day of
0246/y A.D.
Notary
SHAPIRO & DeNARDO, LLC
BY: CHRISTOPHER A. DeNARDO, ESQUIRE,
ATTORNEY I.D. NO. 78447
BRADLEY J. OSBORNE, ATTORNEY I.D. NO.
312169
CHANDRA M. ARKEMA, ATTORNEY I.D. NO.
203437
LEEANE 0. HUGGINS, ATTORNEY I.D. NO.
85144
SARAH K. McCAFFERY, ATTORNEY I.D. NO.
311728
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610)278-6800
S&D FILE NO. 14-045194
JPMorgan Chase Bank, National Association
PLAINTIFF
VS.
Erik W. Stufft
DEFENDANT
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO:14-3052
CERTIFICATION OF NOTICE TO LIENHOLDERS
PURSUANT TO PA R.C.P 3129.2 (C) (2)
I, Cori Haas, Legal Assistant for Shapiro & DeNardo, LLC, attorneys for the Plaintiff,
JPMorgan Chase Bank, National Association, hereby certify that Notice of Sale was served on all
persons appearing on Exhibit "A" attached hereto, by United States mail, first class, postage prepaid,
with Certificates of Mailing on January 5, 2015, the originals of which are attached and that each of
said persons appears on Plaintiffs Affidavit pursuant to Pa. R.C.P. 3129.1.
The undersigned understands that the statements herein are subject to the penalties provided
by 18 P.S. Section 4904.
Date: \ / (61 \' By:
14-045194
SHAPIRO & DENARDO, LLC
Cori Haas
Legal Assistant
Name and Address of Sender
Shapiro & DeNardo, LLC
3600 Horizon Drive
Suite 150
King of Prussia, PA 19406
Check type of mail or service:
'0 Certified
❑ COD
❑ Delivery Confirmation
❑ Express Mail
❑ Insured
❑ Recorded Delivery (International)
❑ Registered
❑ Return Receipt for Merchandise
❑ Signature Confirmation
Affix Stamp Here
(If issued as a
certificate of mailing,
or for additional
copies of this bill)
Postmark and
Date of Receipt
Article Number
Addressee (Name, Street, City State, & ZIP Code)
Postage Fee
Handling
Charge
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U.S. POSTAGE 0 PITNEY BOWES
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ZIP 19406 $ 001.300
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Select Property & Association Management
c/o The Courtyards of Carlisle Unit Owners' Association,
Inc.
1000 North Prince Street
Lancaster, PA 17603
PA
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Total Number of Pieces
Received at Post Office
PS Form 3877, February 2002 (Page 1 of 1)
Po- master, Per (Naor v 'oyee
Complete by Typewriter, Ink or Ball Point Pen
See Privacy Act Statement on Reverse
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3600 Horizon Drive
Suite 150
King of Prussia, PA 19406
Check type of mail or service:
0 Certified 12 Recorded Delivery (International)
0 COD ❑ Registered
0 Delivery Confirmation 1:1 Retum Receipt for Merchandise
❑ Express Mail ❑ Signature Confirmation
❑ Insured
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14-045194 MW
Cumberland County
13 North Hanover
Carlisle, PA 17013
Chase Bank USA,
3700 Wiseman Blvd.
San Antonio, TX
Mortgage Electronic
1586 Spring Mill
Vienna, VA 22182
ERA Mortgage
3000 Leadenhall
Mount Laurel, NJ
Tenant or Occupant
27 Court Lane
Carlisle, PA 17013
PA Department
Bureau of Compliance
P.O. Box 281230
Harrisburg, PA 17128-1230
The Courtyards
c/o Sterling Property
337 Lincoln Street
Carlisle, PA 17013
The Courtyards
c/o Russell, Kraft
930 Red Rose Court,
Lancaster, PA 17601
Domestic Relations
Street
NA
78251
Registration Systems, Inc.
Road
Road
08054
of Revenue
of Carlisle Unit Owners Association, Inc.
Management, Inc.
of Carlisle Unit Owners Association, Inc.
& Gruber
Suite 300
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PS Form 3877, February 2002 (Page 1 of 1)
Complete by Typewriter, Ink or Ball Point Pen