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HomeMy WebLinkAbout14-3308 Supreme Co , I lansylvania Cour C neo Meas For Prothonotary Use Only: �! i o Docket No: FST C� a ii County J 3 3 411b The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service ofpleadings or otherpapers as required by law or rules of court. Commencement of Action: S [M Complaint 0 Writ of Summons 0 Petition ® Transfer from Another Jurisdiction ® Declaration of Taking E C Lead Plaintiffs Name: Lead Defendant's Name: T Bank of America, N.A. Joshua Bergey; Katie Bergey Dollar Amount Requested: ®within arbitration limits I Are money damages requested? 0 Yes 10 No (check one) Eloutside arbitration limits O N Is this a Class Action Suit? 0 Yes 0 No Is this an MDJAppeal? 0 Yes M No A Name of Plaintiff/Appellant's Attorney: SALVATORE CAROLLO, ESQUIRE PA It) 311050 Check here if you have no attorney(are a Self-Represented [Pro Sel Litigant) Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT(do not include Mass Tort) CONTRACT(do not include Judgments) CIVIL APPEALS 0 Intentional [3Buyer Plaintiff Administrative Agencies 0 Malicious Prosecution 0 Debt Collection:Credit Card 0 Board of Assessment 0 Motor Vehicle Debt Collection:Other 0 Board of Elections 0 Nuisance 0 Dept.of Transportation S © Premises Liability 0 Statutory Appeal:Other ! 0 Product Liability(does not include E © Employment Dispute: mass tort) © Slander/Libel/Defamation Discrimination C 0 Other: 0 Employment Dispute:Other 0 Zoning Board T Other: I 0 Other: O MASS TORT 0 Asbestos N 0 Tobacco 0 Toxic Tort-DES n Toxic Tort-0 Toxic Waste Implant REAL PROPERTY MISCELLANEOUS 0 Ejectment 0 Common Law/Statutory Arbitration B 0 Other: Eminent Domain/Condemnation 0 Declaratory Judgment 0 Ground Rent M Mandamus 0 Landlord/Tenant Dispute Non-Domestic Relations J Mortgage Foreclosure:Residential Restraining Order PROFESSIONAL LIABLITY 0 Mortgage Foreclosure:Commercial 0 Quo Warranto 0 Dental 0 Partition 0 Replevin 0 Legal 0 Quiet Title 0 Other: 0 Medical 0 Other: 0 Other Professional: Updated 11112011 UDREN LAW OFFICES,P.C. ATTORNEY FOR PLAINTIFF BY: MARK J. UDREN,ESQUIRE -ID#04302 STUART WINNEG,ESQUIRE -ID#45362 LORRAINE GAZZARA DOYLE,ESQUIRE -ID#34576 , SHERRI J.BRAUNSTEIN,ESQUIRE -ID#90675 `Y'= SALVATORE CAROLLO,ESQUIRE - ID#311050 �.,'� ELIZABETH L.WASSALL,ESQUIRE -ID#77788 JOHN ERIC KISHBAUGH,ESQUIRE -ID#33078 �rQ r., NICOLE B.LABLETTA,ESQUIRE - ID#202194 ` c�-a DAVID NEEREN,ESQUIRE -ID#204252 AMANDA RAVER,ESQUIRE -ID#307028 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD,SUITE 200 CHERRY HILL,NJ 08003-3620 856-669-5400 pleadings@udren.com Bank of America,N.A. COURT OF COMMON PLEAS C/O Bank of America,N.A.,as successor by CIVIL DIVISION merger to BAC Home Loans Servicing,LP CUMBERLAND County 16001 North.Dallas Parkway Addison,TX 75006 — 5 Plaintiff NO. V. JOSHUA BERGEY 112 BALFOUR DRIVE MECHANICSBURG,PA 17050 KATIE BERGEY 112 BALFOUR DRIVE MECHANICSBURG,PA 17050 Defendant(s) COMPLAINT IN MORTGAGE FORECLOSURE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. 0 f144 18103.75k a CLP &S( /v LAWYERS REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle,PA 17013 (800) 990-9108 AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda . y la notificacion. Hace falta ascentar una comparencia escrita o en persona o con un abogado y entregar a 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 dafiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, 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 Bar Association 2 Liberty Avenue Carlisle,PA 17013 (800) 990-9108 NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period,we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt,and any information obtained will be used for that purpose. UDREN LAW OFFICES,P.C. /s/Mark J.Udren,Esquire Woodcrest Corporate Center 111 Woodcrest Road,Suite 200 Cherry Hill,NJ 08003-3620 (856) 669-5400 1. Plaintiff is Bank of America, N.A.. Plaintiff is the legal holder of the Mortgage that is the subject of this Action. Plaintiff is either the current mortgagee of record, is the legal holder of the Mortgage by virtue of being successor in interest to the current mortgagee of record, or is the legal holder of the Mortgage by virtue of Assignment of Mortgage. If Plaintiff is the legal holder of the Mortgage by virtue of Assignment of Mortgage, it is by the following Assignments of Mortgage, all of which have either been recorded or Plaintiff is in the process of formalizing the actual Assignment of Mortgage in Plaintiff s favor: Assignor:Mortgage Electronic Registration Systems,Inc.,as nominee for Bank of America,N.A. Assignee:Bank of America,N.A.,successor by merger to BAC Home Loans Servicing,LP fka Countrywide Home Loans Servicing LP Date of Assignment: 03/16/2012 Recorded Date: 03/22/2012 Book/Instrument#: Instrument#201208270 Page: n/a The promissory note is endorsed by Plaintiff,or endorsed in blank and Plaintiff or its agent has possession of the note. 2. Upon information and belief Defendant(s)and/or their predecessor: Joshua Bergey,Katie Bergey (hereinafter"Defendants"),are the owners of property located at 112 Balfour Drive, Mechanicsburg,PA 17050,by virtue of Deed dated 09/14/2010 and recorded 09/28/2010 in Official Records Book Instrument#201027307 at Page n/a of the Public Records of Cumberland County, Pennsylvania(hereinafter the 'Property"). 3. On 09/22/2010 ,Defendant(s) and/or their predecessor: JOSHUA BERGEY promised to pay to the order of Bank of America,N.A. ,the principal sum of $277,148.00 payable with interest thereon provided in the Note. 4. By Mortgage dated 09/22/2010 ,Defendant(s) and/or their predecessor: JOSHUA BERGEY,KATIE BERGEY to secure the Note,mortgaged to Mortgage Electronic Registration Systems,Inc., as nominee for Bank of America,N.A., the Property which is the subject of this action. The Mortgage was recorded on 09/28/2010 in Official Records Book Instrument#201027308 at Page n/a. Said Mortgage is incorporated herein by referenced in accordance with Pa.R.C.P 1019(g). A legal description of the mortgage premises is attached hereto and made a part hereof. 5. Said mortgage is in default in that the payment due 09/01/2013, and all subsequent payments have not been made,and by its terms,upon breach and failure to cure said breach after notice, all sums secured by said Mortgage,together with the other charges authorized by said Mortgage and itemized below, shall be immediately due. 6. After demand,the Defendant(s)continues to fail or refused to comply with the terms of the Mortgage as follows: (a) By failing or refusing to pay the installments of principal and interest when due in the amounts indicated below; (b) By failing or refusing to pay other charges,if any,indicated below. The following amounts are due on the said Mortgage or modification agreement as of the date stated below Unpaid Principal Balance $263,844.90 Accumulated Interest(Due from 08/01/2013 to 05/31/2014) $10,445.18 Accumulated Late Charges $228.21 Escrow Deficit/(Reserve) $3,746.04 Grand Total $278,264.33 The above figures are calculated as of 05/31/2014: The interest rate is subject to adjustment if more fully described as such in the note and mortgage. The interest rate on the subject note is at 4.75000 %. The current monthly accrual of interest on this loan is $1,044.38 and that sum will be added every month hereafter. 7. Breach letters have been sent to Defendant(s)in accordance with the requirements of the subject mortgage and/or The Pennsylvania Act 6 of 1974 of the Commonwealth of Pennsylvania and,if applicable, Act 91 of 1983. Copies of the breach letters are attached hereto as Exhibit "A" WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant(s) herein in the sum of$278,264.33 plus ongoing interest, costs and attorneys fees and for sale of the Mortgaged premises. UDREN LAW ICES, P.C. BY: SALVATORE CAROLLO, ESQUIRE PAID 311050 UDREN LAW OFFICES,P.C. ATTORNEY FOR PLAINTIFF WOODCREST CORPORATE CENTER 111 WOODCREST ROAD,SUITE 200 CHERRY HILL,NJ 08003-3620 856-669-5400 pleadings@udren.com Bank of America,N.A. COURT OF COMMON PLEAS Plaintiff CIVIL DIVISION CUMBERLAND County V. JOSHUA BERGEY NO. 112 BALFOUR DRIVE MECHANICSBURG,PA 17050 KATIE BERGEY 112 BALFOUR DRIVE MECHANICSBURG,PA 17050 Defendant(s) VERIFICATION hereby states that he/ he is of Bank of America, N.A., Plaintiff in this matter, that he/she is authorized to make this Verification, and verify that the statements made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of hi er knowledge,information and belief. The undersigned understands that this statement is made.subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Date: Name: 1 (�h V0Mtdaif- Company: Title: A�SLSCO�yl- - � \Ct 6 kV0t 0 CCL Y10t MJU#: 14040407 CASE#: 14040407-1 04-30-'14 13:50 FROM-ABLE ABSTRACTS T-172 P0023/0034 F-709 EXMSIT "A" Au THAT corTAw tract or pa rAw]and being situated m Silver'Spring Tow p, cumbaw cl cow* Pansylvmuk mores paticuiarly botmded and desanbad as follows: BEGI W NG at a point k sated on the we em right-of way line of Bslka Drive(50- foot ri&-of way)-at the southam comer of Lot 21 on the heroin cal Plan; thehco along the south boundary line of Lot 21, Som 76 dogma 0.3 minutes 32 secon& WeA a distances of 277.91 feet to a poija at the southwest oanr of r-ot 21 and the nortbrist con=of Lot 11 of NMl&rding'Hj%iblsadR,Phase 1%thrnme along tic cast=bawx1ary lana of Lot 11 of Phase 11 of Millf riling Sagi nds,South 15 degrees 08 minnt+es 12 aaaonds Bast,a:distanoa of 104.50 feat to a poirit at the northwest=4=of Lot 23;ihen6b along the north®.line of Lot 23,. North 75,demos 55 57second ec�ond East,a distance of 227.80 feet to a paint at the malheast 'CUM=of Loa 23 and along Balfour Drive; dxw=along BaMur Ddva. North 15 deg[+e+os 08 okules 12 surds West,, a &st=e of 100.041 fleet .to,,,$-point, the.point and place of BEGINNING. BFMG Lett No. 22 ou the Final Subdivi:doa Plan of MMftxJiqg'IS"ighlsads. Phase 1. tra=ded MxMh 6.20D7,in the Canibmigind C=*Recorder of Deeds OT=in Pisan Book 93, PW 129,and CANT.ADMG 22,832.35 square feet or-0242 acre& ALSO BWG that entain Unite being Uzft.No. 22 (the, '"Unit"), of MUfordin HWAaads,a pl=*:d Co mmamdty,wbich Unit is dWScated in the Dicleradam of Coven wte ad. Restrict m fnr .lvhllfording HIgWxn s, a Planned Comrm uty (the `D0clarati0n') and Dwb ation Plats=a Plans iia ozw Ea an ea hM&ertto is the Office of the Reeder of Deads of C=berland County.Peaasylvw a,to lnstzimieant Number 200730960,tordw with any and all iMFvveaneats theQwz. BankofAmerica Home Loan PRESORT First-Class Mail PO Box 9048 U.S.Postage and Temecula,CA 92589-9048 Fees Paid WSo If 1111 If 1111111111111 M111111111 111111111111111111111 H 7196 9006 9297 0250 9197 Return Receipt Requested Send Payments for PO Box 15222 Wilmington,OE 19886-5222 Send Correspondence to: 20131031-213 PO Box 5170 I i 11 i i�l n i��lrl Eullull� I�1 1 '11111111111-1 Simi Valley,CA 93062-5170 I ��I Ik II�� k 1 I 1 k JOSHUA BERGEY 112 Balfour Dr Mechanicsburg, PA 17050-5253 X BREACHPA{CM} i F , . , , _ f . � fi f i i i f i i i October 31,2013 Sent Certified Mail 7196 9006 9297 0250 9197 Return Receipt Requested JOSHUA BERGEY Account No.: 112 Balfour Dr Mechanicsburg, PA 17050-5253 NOTICE OF INTENT TO FORECLOSE MORTGAGE Dear JOSHUA BERGEY, The MORTGAGE held by BANK OF AMERICA,N.A.and serviced by Bank of America, N.A.(hereinafter we, us or ours) on your property located at 112 BALFOUR DR MECHANICSBURG, PA 17050 IS IN SERIOUS DEFAULT because you have not made the monthly payments in the amounts shown below for the months of September 1, 2013 - October 1, 2013. Monthly Charges: Month Due Principal& Interest Escrow Amount Optional Products Total Monthly Charge Amount Amount 09/01/2013 $1,445.74 $456.23 $0.00 $1,901.97 10/0112013 $1,445.74 $456.23 $0.00 $1,901.97 Late Charges: Month Amount 09101/2013 $76.07 10/01/2013 $76.07 Total Monthly Charges: $3,803.94 Current Late Charges: $152.14 Prior Unpaid Late Charges: $0.00 Total Other Charges/Fees: $0.00 Partial Payment Balance: MQ 1 0-0) TOTAL DUE $3,956.08 Late charges and other charges have also accrued to this date in the amount of$152.14.The total amount now required to cure this default,or in other words,get caught up in your payments,as of the date of this letter, is$3,956.08. You may cure this default within THIRTY(30) DAYS of the date of this letter, by paying to us the above amount of $3,956.08,plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order,and made at Bank of America, N.A.PO Box 15222 Wilmington, DE 19886-5222. If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. if the mortgage is foreclosed your mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us,which may also include our reasonable costs. If you cure the default within the thirty day period,you will not be required to pay attorney's fees. 7196 9006 9297 0250 9197 We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun,you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale [and perforin any other requirements under the mortgage]. It is estimated that the earliest date that such a Sheriffs sale could be held would be approximately six (6) months from the date of this Notice. A notice of the date of the Sheriff sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: 1-800-669-1904. This payment must be in cash, cashier's check,certified check or money order and made payable to us at the address stated above. You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriffs sale,a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. if you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year. 7196 9006 9297 0250 9197 C3 3222 BRECDISC 15353 09/24/12 IMPORTANT DISCLOSURES If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home loan with us or enter into a loan modification or other loan-assistance program. You should consult with your bankruptcy attorney or other advisor about your legal rights and options. Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication is from a debt collector. There has been a payment default or other default on your loan that could result in acceleration of all sums due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and rights in the property and under the note and security instrument, including any remedies thereunder(the"Default Related Services"). Bank of America, N.A. will assess fees to your loan account for the Default Related Services, including those provided by its affiliates. A schedule of fees that may be charged to your account for Default Related Services is available at the following web address: http://www,bankofamerica.com/defaultfees. If you do not have internet access, please contact us at 1-800-669-6607, Monday through Thursday 8 a.m. - 11 p.m. Eastern, Friday 8 a.m. -9 p.m. Eastern, Saturday 9 a.m. -3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a complete list of the default-related services you could be charged, but does not include a complete list of all fees or charges that could be assessed on your loan account. MILITARY PERSON NEUSERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at 1-877-430-5434. If you are calling from outside the U.S. please contact us at 1-817-685-6491. 7196 9006 9297 0250 9197 C3 3222 BRECDISC 15353 09(24112 DIVULGACIONES IMPORTANTES Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneracion de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudacion, una demanda de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no esta obligado(a) a hablar de su prestamo para vivienda con nosotros ni a participar en un programa de modificaci6n de prestamos u otro programa de asistencia para prestamos. Usted debe consultar con su abogado especializado en quiebras u otro asesor acerca de sus opciones y derechos legates. Bank of America, N.A., el administrador de su prestamo para vivienda esM obligado por ley a informarle a usted que esta comunicacion proviene de un cobrador de deudas. Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su prestamo que podria resultar en la aceleracion de todas las cantidades adeudadas bajo el Pagare. Como resultado, Bank of America, N.A. utilizara companias, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y Landsafe Appraisal Services, Inc., para proporcionar servicios necesarios para proteger los intereses del Titular en la propiedad y sus derechos bajo el instrumento de seguridad y el pagare, incluyendo cualquiera de sus recursos(los"Servicios relacionados a un incumplimiento"). Bank of America, N.A. aplicara cargos a la cuenta de su prestamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento esta disponible en el sitio de Internet: rhtto://www.bankofamerica.com/defauitfees1. Si usted no tiene acceso a internet, por favor comunfquese con nosotros al 1-800-669-6607 de lunes a jueves de 8 a. m. a 11 p. m. hora del este, viernes de 8 a. m.a 9 p. m. hora del este, sabados de 9 a. m. a 3 p. m. horn del este. para pedir que se le envie una lista de cargos por correo. La lista de cargos contiene una lista completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lista completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su prestamo. PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS: Si usted o su conyuge es un miembro del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para Miembros de las Fuerzas Armadas y las Jeyes estatales comparables otorgan protecciones y beneficios significativos al personal del servicio militar que califioue, incluidas protecciones contra la ejecucion hipotecaria asi tomo tambien ayuda en la tasa de interes. Para obtener mas informaci6n y determinar su calificacion por favor Mame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al 1-877-430-5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al 1-817-685-6491. 7196 9006 9297 0250 9197 i i C3 5088 OPTAVDFC 15319 09/24/2012 Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s)could work for you. Options to consider if your goal Is to stay in your home PulramCecnpton ; ., : Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms, Modification which may include lowering the interest rate, placing past due amounts at the end of the loan, Program (RAMP) and/or extending the term of the loan. You may be eligible for this program if you meet the following requirements: • The amount you owe on the first mortgage is equal to or less than$729,750 for a single-family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or $1,403,400 for a 4 unit property • 'You have documented a financial hardship and represented that you do not have sufficient; liquid assets to make the monthly mortgage payments. • Your mortgage was obtained before Jan. 1, 2009. 4 . The property securing the mortgage loan has not been condemned or is not in such poor I physical condition that it is not habitable even if not condemned • The mortgage is secured bone to four unjtpoperty Loan If you can bring your loan payments up to date, we will accept the funds needed to bring the Reinstatement ; loan up to date until the day of your foreclosure sale. Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay off a portion of the past due amounts over time. This may include principal, interest, fees, j and/or costs assessed to your loan. Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments Forbearance for a period of time, to allow you to re-establish your ability to make the required payments. Agreement I s Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could (non-RAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving from an adjustable to a fixed-rate loan, deferring some portion of the unpaid principal balance to the end of the loan, and/or forgiving some portion of the unpaid principal balance. Partial Claim(FHA If you have a Federal Housing Administration (FHA)loan and your payments are past due but loans only) you are now able to make your regular monthly mortgage payment, this program is designed to bring your loan up to date by creating a second mortgage/lien on your property for the amount that is past due. Options to consider if you cannot or do not wish to stay in your home rgram 17�+acr p Dff Home Affordable ' Designed to help borrowers who are eligible for the Home Affordable Modification Program Foreclosure (RAMP)but were unsuccessful in securing a permanent modification through the program. Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A Program (HAFA) short sale is a transaction in which you sell your property for less than the total amount owed on the loan (subject to agreement by your servicer/lenderlinvestor), resulting in the release of our lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a transaction in ' which you agree to voluntarily transfer ownership of your property to us in order to avoid foreclosure. Short Sale/ P If you can no longer afford to make your mortgage payments and your home is worth less than Pre-foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale, Sale(non-HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to borrowers who are not eligible for RAMP or other home retention alternatives._____ Deed in Lieu of ' Used as an alternative to foreclosure,with a deed in lieu of foreclosure, you transfer ownership' Foreclosure 1 of your house and all property secured by your mortgage loan. This may satisfy the total j (non-HAFA) amount due on that mortgage. Offered to borrowers not eligible for RAMP or other home retention alternatives,and who were not able to sell theproVo rtythrough a short sale. We are here to help you. Please call us today. 7196 9006 9297 0250 9197 f C3_5088 OPTAVOFC 15319 09/24/2012 Hay opciones disponibles para ayudarle a Evitar la Ejecucion Hipotecaria Llame al numero que aparece en la notificacion adjunta para obtener mas informacien Cuando Ilame, por favor tenga a la mano la informacien de sus ingresos y gastos para quo podamos discutir cuales opciones podrian funcionar para usted. opciones a colnsiderar si su objetivo es permanecer en su casa Rr ►grsmesrIpcll+ n Home Affordable Es un programa del gobierno federal qua le permite pagar el prestamo bajo los nuevos Modification terminos acordados, qua pueden incluir la reduccion de la tasa de interes, agregar Program (HAMP) cantidades vencidas al final del prestamo, y/o extender all plazo del prestamo. Usted puede callificar para este programa si cumple con los siguientes requisitos: • La cantidad qua usted adeuda de su primera hipoteca as igual o manor qua $729,750 dolares para una vivienda unifamiliar, $934,200 dolares para una propiedad de 2 unidades, $1,129,250 dolares para una propiedad de 3 unidades o $1,403,400 para una propiedad de 4 unidades j • Usted ha documentado qua atraviesa por una dificultad financiera y declarado qua { no tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca. • Obtuvo su hipoteca antes del 1 de enero de 2009. • La propiedad qua garantiza el prestamo hipotecario no ha sido condenada o no esta an malas condiciones fisicas como para no poder habitarse incluso si no esta condenada. • La hipoteca esta garantizada por una propiedad de una a cuatro unidades. Restablecimiento Si usted puede poner al dia los pagos de su prestamo,aceptaremos los fondos i del Prestamo necesarios para qua el prestamo este al dia hasta la fecha de la venta por ejecucibn hipotecaria. i Plan de Pago Un plan de pago le permite a usted hacer sus pagos hipotecarios regulares, ademas de pagar una porci6n de los montos vencidos a traves del tiempo. Esto puede incluir capital, interes, cargos o costos aplicados a su prestamo. Acuerdo Temporal Es un acuerdo an el cual aceptamos no proceder con la ejecucibn hipotecaria y/o el de Tolerancia por cobro de los pagos por un periodo de tiempo, para permitirle qua restablezca su incumplimiento habilidad de hacer los pagos requeridos. Modificacion de Una modificaci6n del prestamo as un cambio an los terminos originates de su prestamo, Prestamo Las modificaciones podrian incluir reducir su tasa de interes, extender all termino o la (no por medio de fecha de pago del prestamo, cambiar de un prestamo de tasa de inter6s ajustable a uno HAMP) de Lasa de interes fija, diferir una parte del saldo del capital impagado al final del prestamo,y/o condonar una parte del saldo de capital impagado. Reclamo Parcial Si usted tiene un pr6stamo de la Administraci6n Federal de Vivienda(FHA)y sus pagos (solamente estan vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca, prestamos de la este programa esta disefiado para qua su prestamo este al dia mediante la creaci6n de FHA) una segunda hipoteca/gravamen sobre su propiedad por at monto qua este vencido. 7196 9006 9297 0250 9197 C3_5088 oPTAVQFC 15319 09/24/2012 Opciones a considerar si no puede o no desea quedarse en su casa �r # � esrwpc� , Home Affordable Qisenado para ayudar a los prestatarios que califican para el Programa de Home Foreclosure Affordable Modification (HAMP), pero no consiguieron obtener una modificacibn Alternatives Program permanente a traves del programa. HAFA ofrece la posibilidad de una venta en (HAFA) descubierto y, si no tiene exito, una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria. Una venta en descubierto es una transacci6n en la que usted vende su propiedad por mends de la cantidad adeudada en el prestamo (sujeto a previo acuerdo de su administrador/prestamista/inversionista), resultando en la liberaci6n de nuestro derecho de retencibn sobre su propiedad y evitar la ejecuci6n hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria es una transaccibn en la que usted esta de acuerdo de transferir voluntariamente las escrituras de su propiedad a nosotros con el fin de evitar la ejecuci6n hipotecaria, yenta en descubierto Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de to que /yenta previa a la usted adeuda, una venta en descubierto le podria permitir vender su vivienda para pagar ejecuci6n hipotecaria la hipoteca. En una venta en descubierto, el prestamista acepta recibir una monto (no por medio de menor de to que actualmente se adeuda en el prestamo. Se ofrece a los prestatarios que HAFA) no califican para HAMP o para otras alternativas de retencibn de la vivienda. Escritura de traspaso Se usa Como una alternativa de la ejecuci6n hipotecaria. Con una escritura de traspaso de propiedad en voluntario de propiedad en lugar de la ejecuci6n hipotecaria, usted transfiere la lugar de la ejecuci6n titularidad de su vivienda y toda la propiedad que garantiza su prestamo hipotecario. hipotecaria(no por Esto puede hacer que el monto total vencido de esa hipoteca se considere como media de HAFA) pagado. Se ofrece a prestatarios que no califican para HAMP u otras opciones de retencibn de vivienda,y que no pudieron vender la propiedad a traves de una venta en descubierto. Estamos aqui para ayudarle. Por favor Ilamenos hoy. 7196 9006 9297 0250 9197 . . a ,� i .. ,; i � ' i { f ` .. I { i BankofAmerica Home fps PRESORT First-Class Mail PO Box 9048 U.S.Postage and Temecula,CA 92589-9048 Fees Paid W SO 7196 9006 9297 0250 9203 Retum Receipt Requested Send Payments to. PO Box 15222 Wilmington,DE 19886-5222 Send Correspondence to: 20131031-213 PO Box 5170 Simi valley,CA 93062-5170 I I 111111 11111 I Ihll Illllul I I III III n Katie Bergey 112 Balfour Dr Mechanicsburg, PA 17050-5253 BREACHPAtCM} i 1 ;. i { j , f .. October 31,2013 Sent Certified Mail 7196 9006 9297 0250 9203 Return Recent Requested Katie Bergey Account No.: 112 Balfour Dr Mechanicsburg, PA 17050-5253 NOTICE OF INTENT TO FORECLOSE MORTGAGE Dear Katie Bergey, The MORTGAGE held by BANK OF AMERICA,N.A.and serviced by Bank of America, N.A.(hereinafter we, us or ours) on your property located at 112 BALFOUR DR MECHANICSBURG, PA 17050 IS IN SERIOUS DEFAULT because you have not made the monthly payments in the amounts shown below for the months of September 1, 2013 - October 1, 2013. Monthly Charges: Month Due Principal& Interest Escrow Amount Optional Products Total Monthly Charge Amount Amount 09/01/2013 $1,445,74 $456.23 $0.00 $1,901.97 10/01/2013 . $1,445.74 $456.23 $0.00 $1,901.97 Late Charges: Month Amount 09/01/2013 $76.07 10101/2013 $76.07 Total Monthly Charges: $3,803.94 Current Late Charges: $152.14 Prior Unpaid Late Charges: $om Total Other Charges/Fees: $0.00 Partial Payment Balance: ($0100) TOTAL DUE $3,956.08 Late charges and other charges have also accrued to this date in the amount of$152.14.The total amount now required to cure this default,or in other words,get caught up in your payments,as of the date of this leiter, is$3,956.08. You may cure this default within THIRTY(30) DAYS of the date of this letter, by paying to us the above amount of $3,956.08,plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash,cashier's check, certified check or money order, and made at Bank of America, N.A.PO Box 15222 Wilmington, DE 19886-5222. If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) BAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us,which may also include our reasonable costs. If you cure the default within the thirty day period,you will not be required to pay attorney's fees. 7196 9006 9297 0250 9203 We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun,you still have the right to cure the default and prevent the safe at any time up to one hour before the Sheriffs foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale [and perform any other requirements under the mortgage]. It is estimated that the earliest date that such a Sheriffs sale could be held would be approximately six (6) months from the date of this Notice. A notice of the date of the Sheriff sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: 1-800-669-1904. This payment must be in cash, cashier's check,certified check or money order and made payable to us at the address stated above. You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriffs sale,a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure the default, the mortgage will be restored to the same positron as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year. 7196 9006 9297 0250 9203 C3_3222_BRECDISC 15353 09/24112 IMPORTANT DISCLOSURES If you are currently in,a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home loan with us or enter into a loan modification or other loan-assistance program. You should consult with your bankruptcy attorney or other advisor about your legal rights and options. Bank of America. N.A., the servicer of your home loan, is required by law to inform you that this communication is from a debt collector. There has been a payment default or other default on your loan that could result in acceleration of all sums due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and rights in the property and under the note and security instrument, including any remedies thereunder(the"Default Related Services"). Bank of America, N.A. will assess fees to your loan account for the Default Related Services, including those provided by its affiliates. A schedule of fees that may be charged to your account for Default Related Services is available at the following web address: htto://www.bankofamerica.com/defaultfees. If you do not have internet access, please contact us at 1-800-669-6607, Monday through Thursday 8 a.m. - 11 p.m. Eastern, Friday 8 a.m. -9 p.m. Eastern, Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a complete list of the default-related services you could be charged, but does not include a complete list of all fees or charges that could be assessed on your loan account. MILITARY PERSON NEL/SERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at 1-877-430-5434. If you are calling from outside the U.S. please contact us at 1-817-685-6491. 7196 9006 9297 0250 9203 03_3222_BREGD1SC 15353 09/24/12 DIVULGACIONES IMPORTANTES Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneraci6n de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudaci6n, una demanda de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no esti obligado(a) a hablar de su prestamo para vivienda con nosotros ni a participar en un programa de modificaci6n de prestamos u otro programa de asistencia para prestamos. Usted debe consultar con su abogado especializado en quiebras u otro asesor acerca de sus opciones y derechos legates. Bank of America, N.A., el administrador de su prestamo para vivienda esti obligado por ley a informarle a usted que esta comunicacion proviene de un cobrador de deudas. Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su prestamo que podria resultar en la aceleraci6n de todas las cantidades adeudadas bajo el Pagare, Como resultado, Bank of America, N.A. utilizara companias, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y Landsafe Appraisal Services, Inc., para proporcionar servicios necesarios para proteger los intereses del Titular en la propiedad y sus derechos bajo el instrumento de seguridad y el pagare, incluyendo cualquiera de sus recursos(los"Servicios relacionados a un incumplimiento"). Bank of America, N.A. aplicara cargos a la cuenta de su prestamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento esti disponible en el sitio de Internet: fhttr);Hwww.bankofamerica.com/defauitfees]. Si usted no tiene acceso a internet, por favor comuniquese con nosotros al 1-800-669-6607 de tunes a jueves de 8 a. m. a 11 p. m. horn del este, viernes de 8 a. m. a 9 p. m. hora del este, sabados de 9 a. m. a 3 p. m. hors del este. para pedir que se le envie una lista de cargos por correo. La lista de cargos contiene una lista completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lista completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su prestamo. PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS: Si usted o su c6nyuge es un miembro del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios significativos al personal dei servicio militar que califique, incluidas protecciones contra la ejecuci6n hipotecaria asi comp tambi6n ayuda en la tasa de interes. Para obtener mas informaci6n y determinar su calificaci6n por favor llame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al 1-877-430-5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al 1=817-685-6491. 7196 9006 9297 0250 9203 C3_5088 QPTAVDFC 15319 09/24/2012 Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s)could work for you. Options to consider if your goal is to stay in your home , PrgraF» ©es+ ptt?t .... .. .r...._ :.._..:. .., ...-ter:. :-1 Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms, Modification which may include lowering the interest rate, placing past due amounts at the end of the loan, Program (HAMP) and/or extending the term of the loan. You may be eligible for this program if you meet the following requirements: • The amount you owe on the first mortgage is equal to or less than$729,750 for a single-family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or $1,403,400 for a 4 unit property + You have documented a financial hardship and represented that you do not have sufficient liquid assets to make the monthly mortgage payments. + Your mortgage was obtained before Jan. 1, 2009. • The property securing the mortgage loan has not been condemned or is not in such poor physical condition that it is not habitable even if not condemned • The mortgage is secured by a one to four unitpopert Loan If you can bring your loan payments up to date, we will accept the funds needed to bring the Reinstatement loan up to date until the day of your foreclosure sale. Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay off a portion of the past due amounts over time. This may include principal, interest, fees, j and/or costs assessed to our loan. ? Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments Forbearance for a period of time, to allow you to re-establish your ability to make the required payments. Agreement Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could (non-HAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving from an adjustable to a fixed-rate loan, deferring some portion of the unpaid principal balance ! to the end of the loan, and/or forgiving some portion of the unpaid principal balance. Partial Claim(FHA If you have a Federal Housing Administration(FHA)loan and your payments are past due but loans only) you are now able to make your regular monthly mortgage payment, this program is designed to bring your loan up to date by creating a second mortgage/lien on your property for the amount that is past due. Options to consider if you cannot or do not wish to stay in your home I t4 ra2. grarin lesriptron = Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program Foreclosure (HAMP)but were unsuccessful in securing a permanent modification through the program. Alternatives HAFA provides the option of a short sale and, if unsuccessful,a deed in lieu of foreclosure.A Program(HAFA) short sale is a transaction in which you sell your property for less than the total amount owed on the loan (subject to agreement by your servicer/lenderlinvestor), resulting in the release of our lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a transaction in! which you agree to voluntarily transfer ownership of your property to us in order to avoid foreclosure. _ Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth less than Pre-foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale, Sale(non-HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to borrowers who are not eligible for HAMP or other home retention alternatives. Deed in Lieu of Used as an alternative to foreclosure,with a deed in lieu of foreclosure, you transfer ownership Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total (non-HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home retention alternatives, and who were not able to sell the_p ert throe h a short sale. _ _ - -- ------------------ ------------- --------P Y—_ g. We are here to help you. Please call us today. 7196 9006 9297 0250 9203 C3_5088 CPTAVDFC 15319 09124/2012 Hay opciones disponibles para ayudarle a Evitar la Ejecucion Hipotecaria Llame al numero que aparece en la notificacion adjunta para obtener mss informacion Cuando Ilame, por favor tenga a la mano la informaci6n de sus ingresos y gastos para que podamos discutir cuales opciones podrian funcionar para usted. ©pciones a considerer sl su objetivo es permanecer en su casa Programa ©esclpcicn Home Affordable Es un programa del gobierno federal que le permite pagar el prestamo bajo los nuevos Modification t6rminos acordados, que pueden incluir la reducci6n de la tasa de inter6s, agregar i Program (RAMP) cantidades vencidas al final del pr6stamo, y/o extender el plazo del pr6stamo. Usted puede calificar para este programa si cumple con los siguientes requisitos: La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750 d6lares para una vivienda unifamiliar, $934,200 d6lares para una propiedad de 2 unidades, $1,129,250 d6lares para una propiedad de 3 unidades o $1,403,400 para una propiedad de 4 unidades j Usted ha documentado que atraviesa por una dificultad financiers y declarado que I no tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca. • Obtuvo su hipoteca antes del 1 de enero de 2009. • La propiedad que garantiza el pr6stamo hipotecario no ha sido condenada o no este en malas condiciones fisicas como para no poder habitarse incluso si no este condenada. La hipoteca este garantizada por una propiedad de una a cuatro unidades. Restablecimiento Si usted puede poner al dia los pagos de su pr6stamo, aceptaremos los fondos del Prestamo necesarios para que el prestamo est6 al dia hasta la fecha de la venta por ejecuci6n hipotecaria. I Plan de Pago Un plan de pago le permite a usted hacer sus pagos hipotecarios regulares, adem6s de pagar una porci6n de los montos vencidos a traves del tiempo. Esto puede incluir capital, inter6s, cargos o costos aplicados a su pr6stamo. Acuerdo Temporal Es un acuerdo en el cual aceptamos no proceder con la ejecuci6n hipotecaria y/o el de Tolerancia por cobro de los pagos por un periodo de tiempo, para permitirle que restablezca su incumplimiento habilidad de hacer los pagos requeridos. Modificaci6n de Una modificaci6n del prestamo es un cambio en los t6rminos originates de su pr6stamo, Prestamo Las modificaciones podrian incluir reducir su tasa de inter6s, extender el t6rmino o la (no por medio de fecha de pago del pr6stamo, cambiar de un prestamo de tasa de inter6s ajustable a uno HAMA) de tasa de inter6s fija,diferir una parte del saldo del capital impagado al final del pr6stamo, y/o condonar una parte del saldo de capital impagado. Reclamo Parcial Si usted tiene un prestamo de la Administraci6n Federal de Vivienda (FHA)y sus pagos (solamente estan vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca, prestamos de la este programa este disenado para que su pr6stamo este al dia mediante la creaci6n de FHA) una segunda hipoteca/gravamen sobre su propiedad por el monto que est6 vencido. i 7196 9006 9297 0250 9203 C3_5088 QPTAVDFC 15319 09124/2012 Opciones a considerer si no puede o no desea quedarse en su casa Pia 1t�lrsta { tf E005r� lin T:R , Home Affordable Disenado para ayudar a los prestatarios que califican para el Programa de Home I Foreclosure Affordable Modification (RAMP), perp no consiguieron obtener una modificacibn Alternatives Program Permanente a traves del programa. HAFA ofrece la posibilidad de una venta en (HAFA) descubierto y, si no tiene exito, una escritura de traspaso voluntario de propiedad en lugar de la ejecucion hipotecaria. Una venta en descubierto es una transaccion en la que usted vende su propiedad por mens de la cantidad adeudada en el prestamo(sujeto a previo acuerdo de su administrador/prestamista/inversionista), resultando en la liberacibn de nuestro derecho de retencibn sobre su propiedad y evitar la ejecucion hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecucion j hipotecaria es una transaccibn en la que usted este de acuerdo de transferir voluntariamente las escrituras de su propiedad a nosotros con el fin de evitar la j ejecucion hipotecaria, yenta en descubierto Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de to que J Venta previa a la usted adeuda, una yenta en descubierto le podria permitir vender su vivienda para pagar ejecuci6n hipotecaria la hipoteca. En una venta en descubierto, el prestamista acepta recibir una monto (no por medio de menor de to que actualmente se adeuda en el prestamo. Se ofrece a los prestatarios que HAFA) no califican para HAMP o para otras alternatives de retencibn de la vivienda. Escritura de traspaso Se usa Como una alternativa de la ejecucion hipotecaria. Con una escritura de traspaso de propiedad en voluntario de propiedad en lugar de la ejecucion hipotecaria, usted transfiere la lugar de la ejecuci6n titularidad de su vivienda y toda la propiedad que garantiza su prestamo hipotecario. hipotecaria(no por Esto puede hacer que el monto total vencido de esa hipoteca se considere como medio de HAFA) pagado. Se ofrece a prestatarios que no califican para HAMP u otras opciones de retencibn de vivienda, y que no pudieron vender la propiedad a traves de una venta en descubierto. Estamos aqui para ayudarle. Por favor Ilamenos hoy. 7196 9006 9297 0250 9203 FORM 1 n © A►*�Q��CU`o IN,THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA° Plaintiff(s) ; vs. y , Defendant(s) ✓ /'� Civil "- n NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURkE-� DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in a court-supervised conciliation conference in an effort to resolve this matter with your lender.. If you do not have a lawyer,you must take the following steps to be eligible for a conciliation conference. First, within twenty(20)days of your receipt of this notice,you must contact MidPenn Legal Services at.(717)243-9400 extension 2510 or(800) 822-5288 extension 2510 and request.appointment of a legal representative at no charge to you. Once you have been appointed a.legal representative,you must promptly meet with 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 foryou 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. Respectful _ submitted: Date [Signature of Counsel for Plaintiff) SALVATORE CAROLLO, ESQUIRE PA ID 311050 i ................................................_.......... 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: CUSTONIER/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? Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: #of people in household: How long? FINANCIAL INFORMATION First Mortgage Lender: Type of Loan: Loan.Number: Date You,Closed Your Loan: Second Mortgage Lender: Type of Loan: Loan Number`. Total Mortgage Payments Amount: $ Included Taxes& Insurance: Date of Last Payment: Primary Reason for Default: Is the loan in Bankruptcy? Yes ❑ No ❑ ........................_......................_......_........._.._.........._............................_........... ......_._.._............ ...:....._............_.......... ... If yes,provide names., location of court, case number&attorney: Assets Amount Owed: Value: Home: $ $ Other Real Estate: $ $ Retirement Funds: $ $ Investments: $ $ Checking: $ $ Savings: $ $ Other: $ $ Automobile#1: Model: Year: Amount owed: Value: Automobile#2: Model: Year: Amount owed: Value: Other transportation(automobiles, boats,motorcycles): Model: Year: Amount owed: Value Monthly Income Name of Employers: 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 Mortaa e Food 2" Mortgage Utilities Car Payment(s) Condo/Neigh. Fees Auto Insurance M.ed.(not covered) Auto fuel/repairs Other prop.payment Install. Loan Payment Cable TV Child Su ort/Alim. Spending Money Da /Child Care/Twit. Other Expenses i Amount Available for Monthly Mortgage Payments Based on Income&Expenses: Have you been working with a Housing Counseling Agency? Yes 0 No 0 If yes,please provide the following information: Counseling Agency: Counselor: Phone(Office): Fax: Email: Have,you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP)assistance? Yes ❑ No ❑ If yes,please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? Yes ❑ No ❑ I 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: i Lender's Contact(Name): Phone: Servicing Company (Name): Contact: Phone: AUTHORIZATION I/We, , authorize the above named to use/refer this information to my lender/servicer for the sole purpose of evaluating my financial situation for possible mortgage options. I/We understand that I/we am/are under no obligation to use the services provided by the above named j Borrower Signature Date Co-Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: V Proof of income V Past 2 bank statements Vr Proof of any expected income for the last 45 days V 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) 3 --...._....._........_............._...................._...................................... FORINT 3 �an sw►2c i GG., : IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYLVANIA Plaintiff(s) vs. �6 ��y; 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: { I. Defendant is the owner of the real property which is the subject of this mortgage- foreclosure ortgageforeclosure 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 i -----..__._............_.....-............._......................................._.... ... ..........L... _._........................._... ._..........................._............._..._......._.............._..._...__.__............ ........ ...._. ---- UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF BY. MARK J. UDREN, ESQUIRE -ID #04302 STUART WINNEG,ESQUIRE -ID#45362 LORRAINE GAZZARA DOYLE, ESQUIRE- ID#34576 SHERRI J. BRAUNSTEIN, ESQUIRE -ID#90675 SALVATORE CAROLLO, ESQUIRE-ID#311050 ELIZABETH L.WASSALL,ESQUIRE -ID#77788 JOHN ERIC KISHBAUGH,ESQUIRE - ID#33078 =; NICOLE B. LABLETTA,ESQUIRE -ID#202194 'F__ DAVID NEEREN, ESQUIRE -ID#204252 .. AMANDA RAVER, ESQUIRE - ID#307028 < N) r=r WOODCREST CORPORATE CENTER c>- 111 WOODCREST ROAD, SUITE 200 ra un CHERRY HILL,NJ 08003-3620 856-669-5400 Pleadin s udren.com Bank of America,N.A. COURT OF COMMON PLEAS 16001 North Dallas Parkway,Addison,TX 75006 CIVIL DIVISION Plaintiff CUMBERLAND County i V. NO. Joshua Bergey 112 Balfour Drive Mechanicsburg,PA 17050 Katie Bergey 112 Balfour Drive Mechanicsburg,PA 170510 Defendant(s) ENTRY OF APPEARANCE TO THE PROTHONOTARY: Kindly enter the appearance of the following counsel: Mark J.Udren,Esquire; Stuart Winneg,Esquire;Lorraine Gazzara Doyle,Esquire; Sherri J.Braunstein,Esquire; Salvatore Carollo,Esquire;Elizabeth L.Wassail,Esquire; John Eric Kishbaugh,Esquire;Nicole B.LaBletta,Esquire;David Neeren,Esquire,and Amanda Rauer,Esquire on behalf of the Plaintiff, in the above-captioned matter. UDREN LA FFICES,P.C. BY: SALVATORE CAROLLO, ESQUIRE PA ID 311050 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY ,ator of 4�ir�i�h0.4 QFFlCG 4%F TRIFF r-JLEJ-OFF iC.: I HE P OTH 2f.lJUN 17 AM9:t¢9 CUMBERLAND COUNTY PENNSYLVANIA Bank of America N.A. vs. Joshua Bergey (et al.) Case Number 2014-3308 SHERIFF'S RETURN OF SERVICE 06/05/2014 01:54 PM - Deputy Jamie DiMartle, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Joshua Bergey at 112 Balfour Drive, Silver Spring Township, Mechanicsburg, PA 17050. 5 - 3;4-5 1,1o- 4 L 06/05/2014 01:54 PM - Deputy Jamie DiMartle, being duly sworn according tow, serv-. the requested Notice of Residential Mortgage Foreclosure Diversion Program and Comp Int in •rtgage Foreclosure by handing a true copy to a person representing themselves to be Joshua B- • - Husband, who accepted as "Adult Person in Charge" for Katie Bergey at 112 Balfour Drive, Silver Spring Township, Mechanicsburg, PA 17050. 96-7—r3A-5 SHERIFF COST: $55.30 C toJAMI- PIM RTLE, DEPUTY SWERS, June 09, 2014 RONNY R ANDERSON, SHERIFF (c) CountySui;e Sheriff, Teleosof, Inc. I UDREN LAW OFFICES,P.C. ATTORNEY FOR PLAINTIFF WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL,NJ 08003-3620 856-669-5400 pleadings@udren.com COURT OF COMMON PLEAS Bank of America,N.A. CIVIL DIVISION Plaintiff Cumberland County V. - MORTGAGE FORECLOSURE JOSHUA BERGEY,KATIE BERGEY, c-r+ ••-• Defendant(s) 0, NO. 14-3308 Civil — -;1 AFFIDAVIT OF NON-MILITARY SERVICE UNDER Pa.R.C.P 76 ;7"- THE UNDERSIGNED states based upon a search of the Department of Defense Manpower Data Center for the Defendant(s), that the Defendant(s),JOSHUA BERGEY,KATIE BERGEY,who/each of whom is over 18 years of age is/are not in active military service as defined in the Servicemembers' Civil Relief Act. The Military Status Report(s)is/are attached hereto as Exhibit "A". The Affiant lacks sufficient information to be able to determine whether any other Defendants in this action are in active military service because Plaintiff cannot provide date(s) of birth and/or Social Security number(s) for said Defendant(s)to enable a search. This statement is made subject to the penalties of 18 Pa.C. . '14 relating to unsworn falsification to authorities. Dated: June 20, 2014 Attornr Plaintiff AMANDA L. RAUER, ESQUIRE PA. 1.D. # 307028 MJU#: 14040407 CASE#: 14040407-1 IM _I. Department of Defense Manpower Data Center Results as of:Jun-20-2014 10:42:51 AM SCRA 3.0 car. Status Report • , • ,\.;FSf • Pursuant to Servicernembers Civil Relief Act. Last Name: BERGEY First Name: JOSHUA Middle Name: Active Duty Status As Of: Jun-20-2014 On Active Duly On Active Duty Status Dale 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 e i Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component - NA NA - No NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date 'rt The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA .NA No . NA This response reflects whether the individual or his/her-unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center,based on the information that you provided,the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services(Army,Navy,Marine Corps,Air Force,NOAA,Public Health,and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 EXHtBT A I The Defense Manpower Data Center(DMDC)is an organization of the Department of Defense(DoD)that maintains the Defense Enrollment and Eligibility Reporting System(DEERS)database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD 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: CA7397DCP0C9Q30 . Department of Defense Manpower Data Center Results as of:Jun-20-2014 10:43:40 AM SCRA 3.0 rt r . ;, Status Report y Pursuant to Servicemembers Civil Relief Act Last Name: BERGEY First Name: KATIE Middle Name: Active Duty Status As Of: Jun-20-2014 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA No NA This response reflects the individuals'active duty status based on the Active Duty Status Date y Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA No NA This response reflects where the Individual left active duty status within 367 days preceding the Active Duty Status Date The Member or His/Ner Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Dale Status Service Component NA NA No NA This response reflects whether the individual or his/her unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center,based on the information that you provided,the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services(Army,Navy,Marine Corps,Air Force,NOAA,Public Health,and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. -+ •••,•/:1 r Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 EXHIBLT The Defense Manpower Data Center(DMDC)is an organization of the Department of Defense(DoD)that maintains the Defense Enrollment and Eligibility Reporting System(DEERS)database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD 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/PC09SLDR.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: 5A03078CN0C91 E0 UDREN LAW OFFICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Bank of America, N.A. 16001 North Dallas Parkway Addison, TX 75006 Plaintiff v. Joshua Bergey 112 Balfour Drive Mechanicsburg, PA 17050 Katie Bergey 112 Balfour Drive Mechanicsburg, PA 17050 Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE NO. 14-3308 Civil PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against the Defendant(s), JOSHUA BERGEY; KATIE BERGEY; for failure to file an Answer to Plaintiffs Complaint within 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiffs damages as follows: Unpaid Principal Balance Interest Per Complaint Additional Interest Late Charges Per Complaint Escrow Per Complaint Grand Total FROM TO 06/01/2014 08/20/2014 $263,844.90 $10,445.18 $3,133.14 $228.21 $3,746.04 $281,397.47 I hereby certify that (1) the addresses of the Plaintiff and Defendant are as shown above, and (2) that notice has been given in accordance with Rule 237.1, a copy of which is attached hereto. DAMAGES ARE HEREBY ASSESSED AS INDICATED DATE: SPS (i MJU#: 14040407 CASE#: 14040407-1 UDREN L FICES, P.C. BY: Attorney for Plaintif;ZABETH L ASSA L, ESC PA ID 777 PRO PROTHY' GoA slto. SCA e� ��lkt-eq 3181,6 UDREN LAW OFFICES, P.C. BY: MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEG, ESQUIRE - ID#45362 LORRAINE GAZZARA DOYLE, ESQUIRE - 113834576 SHERRI J. BRAUNSTEIN, ESQUIRE - M#90675 SALVATORE CAROLLO, ESQUIRE - ID#311050 ELIZABETH L. WASSALL, ESQUIRE - ID#77788 JOHN ERIC KISHBAUGH, ESQUIRE - II/1133078 NICOLE B. LABLETTA, ESQUIRE - ID#202194 AMANDA RAUER, ESQUIRE - ID#307028 DAVE) NEEREN, ESQUIRE W#2042.52 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ileadi Bank of America, N.A. CJO Bank of America, N.A., as successor by merger to BAC Home Loans Servicing, LP 16001 North Dallas Parkway Addison, TX 75006 Plaintiff v. JOSHUA BERGEY 112 BALFOUR DRIVE MECHANICSBURG, PA 17050 KATIE BERGEY 112 BALFOUR DRIVE MECHANICSBURG, PA 17050 Defendant(s) ATTORNEY FOR PLAINTIFF • 74: TV'• COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND County NO. Pi' 336e COMPLAINT IN MORTGAGE FORECLOSURE •" ..•-• ' .77 YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFNCE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY Bank of America N.A. vs. Joshua Bergey (et al.) Case Number 2014-3308 SHERIFF'S RETURN OF SERVICE 06/05/2014 01:54 PM - Deputy Jamie DiMartle, being duly swom according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Joshua Bergey at 112 Balfour Drive, Silver Spring Township, Mechanicsburg, PA 17050. x-; ,T,4-$ v t..10e4 06/05/2014 01:54 PM - Deputy Jamie DiMartle, being duly swom according to w, sery-: the requested Notice of Residential Mortgage Foreclosure Diversion Program and Comp int In i •rtgage Foreclosure by handing a true copy to a person representing themselves to be Joshua B - - ' , Husband, who accepted as "Adult Person in Charge" for Katie Bergey at 112 Balfour Drive, Silver Spring Township, Mechanicsburg, PA 17050. 96,5,—,.7*s r./ vicar -4G_ SHERIFF COST; $55.30 June 09, 2014 (c) Cot ntySulte Sheriff, Teleosof, Inc. JAM RONR ANDERSON, SHERIFF TLE, DEPUTY SWERS, UDREN LAW OFr ICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Bank of America, N.A. Plaintiff v. Joshua Bergey, Katie Bergey Defendant(s) TO: Joshua Bergey 112 Balfour Drive Mechanicsburg, PA 17050 Date of Notice: August 5, 2014 ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE NO. 14-3308 Civil IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (800) 990-9108 NOTIFICACION IMPORTANTE USTED SE ENCUENTRA EN ESTADO DE REBELDIA POR NO HABER TOMADO LA ACCION REQUIRIDA DE SU PARTE EN ESTE CASO. AL NO TOMAR LA ACCION DEBIDA DENTRO DE UN TERMINO DE DIEZ (10) DIAS DE ESTA NOTIFICACION, EL TRIBUNAL PODRA, SIN NECESIDAD DE COMPARARECER USTED EN CORTE 0 ESCUCHAR PREUBA ALGUNA, DICTAR SENTENCIA EN SU CONTRA, USTED PUEDE PERDER BIENES Y OTROS DERECHOS, IMPORTANTES. DEBE LLEVAR ESTA NOTIFICACION A UN ABOGADO ZMMEDIATAMENTE SI USTED NO TIENE ABOGADO, 0 SI NO TIENE DINERO SUFICIENTE PARA TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA, CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSISTENCIA LEGAL. SERVICIO DE REFERENCIA LEGAL Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (800) 990-9108 NOTICE: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR AND THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. BY: ey for Plain eeren, ' .S WocRt�sID ::• 4252 lra 111 Woodcrest Road, Suite 200 Cherry Hill, New Jersey 08003-3620 MJU#: 14040407 CASE*. 14040407-1 UDREN LAW O1410ES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY BILL, NJ 08003-3620 856-669-5400 Bank of America, N.A. Plaintiff v. Joshua Bergey, Katie Bergey Defendant(s) TO: Katfe Bergey 112 Balfour Drive Mechanicsburg, PA 17050 Date of Notice: August 5, 2014 ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE NO. 14-3308 Civil IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (800) 990-9108 NOTIFICACION JMPORTANTE USTED SE ENCUENTRA EN ESTADO DE REBELDIA POR NO HABER TOMADO LA ACCION REQUIRIDA DE SU PARTE EN ESTE CASO. AL NO TOMAR LA ACCION DEBIDA DENTRO DE UN TERMINO DE DIEZ (10) DIAS DE ESTA NOTIFICACION, EL TRIBUNAL PODRA, SIN NECESIDAD DE COMPARARECER USTED EN CORTE 0 ESCUCHAR PREUBA ALGUNA, DICTAR SENTENCIA EN SU CONTRA, USTED PUEDE PERDER BIENES Y OTROS DERECHOS, 1MPORTANTES. DEBE LLEVAR ESTA NOTIFICACION A UN ABOGADO IMMEDIATAMENTE SI USTED NO TIENE ABOGADO, 0 SI NO TIENE DINERO SUFICIENTE PARA TAL SER', iCI0, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA, CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSISTENCIA LEGAL. SERVICIO DE REFERENCIA LEGAL Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (800) 990-9108 NOTICE: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR AND THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. BY: REN AW O y for Pl 'nti D `eeren, ESgwt+ tidy 10 V Woo( c t otporQ4Zhe `" 111 Woodcrest Road, Suite 200 Cherry Hill, New Jersey 08003-3620 MJU#: 14040407 CASE#: 140404074 Pennsylvania Office 100 W. 3rd Ave. Suite 200 Conshohocken, PA 19428 (PH) 215-568-9500 Mark'. Udren, Esq. Licensed' PA, N/, FL UDRENLA W OFFICES, P. C. New Jersey Office Woodcrest Corporate Center 111 Woodcrest Rd. Suite 200 Cherry Hill, NJ 08003 (PH)856-669-5400 (FX) 856-669-5399 www.udren.com Prothonotary of Cumberland County One Courthouse Square Carlisle, PA 17013 Re: Bank of America, N.A. vs. JOSHUA BERGEY, KATIE BERGEY, Cumberland County C.C.P. No. 14-3308 Civil MJU#: 14040407 CASE#: 14040407-1 Florida Office 2101 W. Commercial Blvd Suite 5100 Fort Lauderdale, FL 33309 (PH) 954-378-1757 (FX) 954-378-1758 Dear Sir or Madam: Enclosed please find Affidavit of Non -Military Service for the above captioned matter. I have also enclosed a copy of the Affidavit of Non -Military Service to be time stamped and returned in the enclosed self-addressed stamped envelope. Thank you for your assistance in this matter. Sincerely yours, Kevin Kerr Foreclosure Specialist MJU/ Enclosures MJU#: 14040407 CASE#: 14040407-1 UDREN LAW OFFICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 leadin s ' udren.com Bank of America, N.A. Plaintiff v. JOSHUA BERGEY, KATIE BERGEY, Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE NO. 14-3308 Civil AFFIDAVIT OF NON-MILITARY SERVICE UNDER Pa.R.C.P 76 EXHIBIT A THE UNDERSIGNED states based upon a search of the Department of Defense Manpower Data Center for the Defendant(s), that the Defendant(s), JOSHUA BERGEY, KATIE BERGEY, who/each of whom is over 18 years of age is/are not in active military service as defined in the Servicemembers' Civil Relief Act. The Military Status Report(s) is/are attached hereto as Exhibit "A". The Affiant lacks sufficient information to be able to determine whether any other Defendants in this action are in active military service because Plaintiff cannot provide date(s) of birth and/or Social Security number(s) for said Defendant(s) to enable a search. This statement is made subject to the penalties of 18 Pa.C.S. §4904 relating to unsworn falsification to authorities. Dated: August 21, 2014 MJU#: 14040407 CASE#: 14040407-1 Attorney for Plaintiff ELIZABETH L WASSALL, ESQ PA ID 77788 ,Department of Defense Manpower Data Center Status Report Pursuant to Servicemembers Civil Relief Act Last Name: BERGEY First Name: JOSHUA Middle Name: Active Duty Status As Of: Aug -20-2014 Results as of : Aug -20-2014 10:02:45 AM SCRA 3.0 On Active Duty On Active Duty Status Date Active Duty Start Date . Active Duty End Date Status Service Component NA NA No..:. NA This response reflects the individuals' active duty status based on the Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Date . Active Duty Start Date Active Duty End Date Status • - Service Component NA - ;.. NA No . NA This response reflects where the Individual left active' duty status withln367.days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Future Cali -Up to 'Active Duty on Active Duty Status Date Order Notification Start Date •Order Notification End Date Status Service Component NA NA , .. No NA This response reflects whether the indMIdual or hislher unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpow• er 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. YA 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 System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD 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: QCW9W489Q091Z50 Department of Defense Manpower Data Center Status Report Pursuant to Serviccmembers Civil Relief Act. Last Name: BERGEY First Name: KATIE Middle Name: Active Duty Status As Of: Aug -20-2014 Results as of : Aug -20-2014 10:06:26 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 ;tithe Active DutyStatus Date 1J Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA ', No r . .! NA This response reflects where the individual left active —d1;1).; -status -within 367 days preceding the'Active Duty Status Date The Member or His/Her Unit Was Notified of a Future Call -Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA .. NA • No' r NA This response reflects whether the individual or his/her unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. v�. Mary M. Snavely -Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD 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 J 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(9 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: VC5DL4D9E091 U1 0