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HomeMy WebLinkAbout14-4057 Court of Common Pleas Civil Cover Sheet For Prothonotary Use Only: Docket No: Cumberland County The information collected on this form is used solely for court administration purposes. This form does not supplement or replace thefiling and service ofpleadings or other papers as required by law or rules of court. Commencement of Action: ® Complaint ❑ Writ of Summons ❑ Petition S ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking E Lead Plaintiff's Name: JPMorgan Chase Bank, Lead Defendant's Name: Karri Huffman; David C National Association Huffman T Dollar Amount Requested: within arbitration limits I Are money damages requested?: ❑ Yes ® No (Check one) ® outside arbitration limits O N Is this a Class Action Suit? ❑ Yes ® No Is this an MDJ Appeal? ❑ Yes ® No A Name of Plaintiff/Appellant's Attorney: Christopher A.DeNardo,Esquire ❑ Check here if you have no attorney(are a Self-Represented [Pro Se] Litigant) Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim,check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT(do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Debt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑ Nuisance ❑ Dept. of Transportation ❑ Premises Liability ❑ Statutory Appeal: Other S ❑ Product Liability(does not ❑ Employment Dispute: include mass tort) Discrimination E ❑ Slander/Libel/Defamation ❑ Employment Dispute: Other El Zoning Board C F1 Other: T ❑ Other: I ❑ Other: O MASS TORT N ❑ Asbestos ❑ Tobacco ❑ Toxic Tort-DES ❑ Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS B ❑ Toxic Waste El Ejectment [:] Common Law/Statutory Arbitration ❑ Other: ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment ❑ Ground Rent ❑ Mandamus ❑ Landlord/Tenant Dispute ❑ Non-Domestic Relations ® Mortgage Foreclosure:Residential Restraining Order PROFESSIONAL LIABILITY ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto ❑ Dental ❑ Partition ❑ Replevin ❑ Legal ❑ Quiet Title ❑ Other: ❑ Medical ❑ Other: ❑ Other Professional: Updated 1/1/2011 SHAPIRO&DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO,ESQUIRE, ATTORNEY I.D.NO. 78447CAITLIN M. BRADLEY J. OSBORNE,ATTORNEY I.D.LLY, ESQUIRE, NO. 3121 9 ND. 0. 31140311114 Ji.t &C o CHANDRA M. ARKEMA, ATTORNEY I.D.NO. 203437 3600 HORIZON DRIVE, SUITE 150 p�h�4 � `0 G6 KING OF PRUSSIA,PA 6 '411 TELEPHONE: (610)278-6800 S �CO S &D FILE NO. 14-045952 JPMorgan Chase Bank, National Association COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY vs. D S 7 C144 � yy NO: Karn Huffman 4019 North Bennington Avenue Apt 101 Kansas City, MO 64117 David Huffman ; 4807 Virginia Road Mechanicsburg, PA 17050 i DEFENDANTS COMPLAINT-CIVIL ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES,YOU MUST TAKE ACTION WITHIN TWENTY(20)DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED,BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE,GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER,THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. � i Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle,PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, LISTED TIENE VIENTE(20)DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE,LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA LISTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle,PA 17013 717-249-3166 SHAPIRO&DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE,ATTORNEY I.D.NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D.NO. 311403 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA,ATTORNEY I.D.NO. 203437 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S &D FILE NO. 14-045952 JPMorgan Chase Bank,National Association COURT OF COMMON PLEAS PLAINTIFF ; CIVIL DIVISION CUMBERLAND COUNTY VS. NO: Karri Huffinan 4019 North Bennington Avenue Apt 101 Kansas City, MO 64117 David Huffman 4807 Virginia Road ; Mechanicsburg, PA 17050 DEFENDANTS COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, JPMorgan Chase Bank, National Association, the address of which is, 3415 Vision Drive, Columbus, Ohio 43219, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: Mortgage Electronic Registration Systems, Inc., as nominee for Fairway Independent Mortgage Corporation, its successors and assigns Mortgagor(s): David Huffman and Karri Huffman (b) Date of Mortgage:-February 6, 2009 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Document ID#200907918 Date: March 17, 2009 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P.No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. (d) Assignments: Assignor: Mortgage Electronic Registration Systems, Inc., as nominee for Fairway Independent Mortgage Corporation, its successors and assigns Assignee: JPMorgan Chase Bank,National Association Date of Assignment: March 17, 2014 Recording Date: March 24, 2014 Instrument No.: 201405846 The Assignment(s) is/are a matter a matter of public record and are therefore incorporated herein as provided by Pa. R.C.P. No. 1019(g). 2. Plaintiff is the current holder of the mortgage by operation of law. 3. The real property that is subject to the Mortgage is generally known as 4807 Virginia Road, Mechanicsburg, PA 17050 and is more specifically described as attached as part of Exhibit "A". 4. Karri Huffman executed a note as evidence of the debt secured by the Mortgage (the "Promissory Note"). A true and correct copy of the Note is attached and marked as Exhibit "B". 5. The names and mailing addresses of the Defendants are: David Huffinan, 4807 Virginia Road,Mechanicsburg, PA 17050 and Karri Huffman, 4019 North Bennington Avenue, Apt 101, Kansas City, MO 64117. 6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 7. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of January 1, 2014 and have not been paid, and upon failure to make such payments when due,the whole of the principal, together with charges specifically itemized below are immediately due and payable. 8. The following amounts are due as of June 9, 2014: Principal Balance Due $161,947.43 Interest Currently Due and Owing at 5.5% $4,453.56 From December 1, 2013 through May 31, 2014 Late Charges $101.56 Escrow Advances $303.36 TOTAL $166,805.91 9. Interest continues to accrue for each month that the debt remains unpaid, and Plaintiff may incur other expenses, costs and charges collectible under the Note and Mortgage. 10. In addition to the above amounts, reasonably incurred attorney's fees and costs as well as proof of title in conformity with the mortgage documents and Pennsylvania law, shall be sought by Plaintiff and included in any request for judgment. 11. Notice of Intention to Foreclose with the information required pursuant to 41 P.S. § 403 commonly known as Act 6 and demand for payment was sent to each individual Defendant by Certified and Regular Mail. Copies of the Notice are attached as Exhibit."C". 12. The Mortgage is insured by the Federal Housing Administration under Title II of the National Housing Act (12 U.S.C. § 1707-1715z-18). Accordingly,the Homeowners' Emergency Assistance Act of 1983, 35 P.S. § 1680.402c is not applicable. WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants,jointly and severally, in the amount set forth in paragraphs 8 and 9,together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO &DeNARDO, LLC Date: 4/ BY:BY: Aottfor Plaintiff S` �f IR S &D File No. 14-045952 Prepare)By: >)1m9 P. $amp Z 1446 9===SaIt1S>x4 mm=, TIMS 76069 972.562-1966 Return TO: >1L==2mmMMMH� 5960 ttYlWl4 A ODMM BOUL&4AMY 11 601 3=00, TK 15034 Parcel Nvmborl PmaiLm: 10-21-0279^•903 4007 Vim+ nw, b9M=UCMV4, 8A 17050 tYpan AAwa Tbb Lbn For Ro ardin j lodal" Cmnmamvealth otPennsy)vonlu MORTGAGR V)S MORTGAGE("Security h0l'ume01")Is SIM oa A , 2009 The Mortgagor is TA1V:tD t3l7B8 M AI40 IMM E(3B'Iltd7ikf, ROt tfU AND MM C`Borrower").TGis Securmy lostmnical Is given to Mortgage Eleelromic Registration symeass, int• ("M6Rs"),(solely as nora)ooe for Londer,a9 hareidaBor denned.and Undoes sveeaesors and etsignsl,at morlga8ee.MFRS Is organized and uxtaling vadcr the lsws of Delaware,and MERE has a maillag address of F.O.Box$020,'phAl, MI 48501.2020 and a street address of 3300 S.W.341h Avenue,Suile )0), Ocala,M,34474,TIM HERS tolophona+camber Is(808)619-MM. pq x0mmom MCMGAM 0mr4mx= ("Lender")Is orgonlzed aid existing ouder the laws of MM EnM 00 a"M)4►8 amt has as address of UR50 Itm C t fxx)rz1ml BCI1Tffi 601, 9PIf30D, TX 7x034 Borrower owes Lender the principal sum of (m 15C@]4FCFi9 BEVEM NM TMIUMM 7ftlm lR20M 4 140/300 vi:1®ry,p�wass+trs•rn "..b i a�"�ut�i efMw#i vM,n,tants lMr.+WSmlcat• , WM DOMIR6C.T COM olaMloOa 02;00 PM MRAw2 Exln � t First American Title insurance Company I EXHIBIT A PROPERTY DESCRIPTION The land referred to In this Commitment is described as follows: ALL THAT CERTAIN tract or patrol of land situate In Hampden Township,Cumberland County,Pennsylvania, more particularly bounded and doscribed as follows: BEGINNING at a point on the Northern Lite of Virginia Road,262.90 foot West of the Northeast caner of the Intersection of Virginia Road and Thomas Drive;thence Wostwardly along the North One of Virginia Road,70 feet to a point:thence North 6 degrees 36 mint"West,through Lot No.28,Block"D"on hereinafter mentioned Plan of Lots,125 feet to a point at the dividing line between Lots Noe.38 and20,Blook"D" on said Plan,thence North 84 degrees 32 minutes East along same,sand along the dividing line between Lots Nos,35 and 36 with Lot No,29 Book"D"on said Plan,70 feel to a point;thence South 6 degrees 28 minutes West,through Lot No. 29,Block'27"on said Plan,125 feet to a point,the Plaoo of BEGINNING. BEING the Eastern 10 feet of Lot No.28 and the Western 60 feet of Lot No,29,Block"D"on Plan No.4 of Del-Brook Manor,sell Plan recorded to Plan Book 11,Page 33,Cumberland County records. TRACT No.2: ALL THAT CERTAIN lot or piece of land situate in Hampden Township,Cumberland County,Pennsylvania, more partioularty bounded and described as follows,to wit: BEGINNING on the Northam One of Virginia Road,247.90 foot West of-the Northwest comer of the intersection of Virginia Road and Thomas Drive,also being at the dividing Me between Lots Noe.29 and 30,Block"D"on hereinafter mentloned Plan of lots:thence Wastwarcily along the Northern line of Virginia Road,5 fast to a point; thence North 05 degrees 28 minutes West,125 feet to a point at Via dividing line between Lots No.29 and 36, Block"D"on said Plan;thence North 84 degrees V.minutes East along same,6 feel to a point at the dividing One between Lots Nos.29 and 30,Block"D" on sold Plan;thence South 05 dogmas 28 minutes East along same,128 feet to a point the Place of BEGINNING. BEING the Eastern 6 feel of tot No.29,Block"D"on Plan of Lots known as Plan No:4 of Delbrook Manor,Selo Plan recorded in the Office of the Recorder of Deeds in and for Cumberland County In Plan Book 11,Page 33, Parcel No.10.21-0279.303 ALTA Commitment Exhlbh A (A IMoa-0107.pft)1FIM08-0187!50) Dollars N.S.S 179,407 00 j.TMs debt is evidenced by Bottowar's note dated the$3016 date w 11$16 Security ImltuZt("Note.).which provides far monthly payrnm>s,whb the lull dtbt,it not pall earlier,due and payee it on tdAl & 01, 2099 .This Security Insttumont secures Io erest,and all rene-U.extensions Le0d0r:(a)the repayment of rho debt evidenced by all aththe erosums.V11 hte,with tlnlomg,advanced rmda Paragraph and modia.e4ons of the Note;(b)the Pay 7 to prolate lho socurity of this Secntlty InslsunseM;and(c)the Pt Or of Borrowar's eoveaants end agreements under this Smurky Instrument and the Note. For tills purpace, Rowson doss hereby mori8oga,Brant mid wsivey 10 MBIIS(solely as nominee rot Lender 69111 eader's sytus ton a'Wiled In and t0 1119 successors and MIPS of MERS. tice Pennsylvania; desedbed Property County,Penny =gt=Ctr =V== 11tWnC'i'0 A1Ll MADH A PAPTow rzmL ©0tt$OE�• ISuerll whichwhlchhissof 4801 Y3¢ 7>p@ va�ite 17080 Iztp�d Ci'<aPeJO Address"): lCqTOGETHER WITH all the Improvemonta now or hareaRer erected oil she Properly, Rad all enaemenu,appurtenances and fixtured now or hare960r a pari of the property. All arae 10 In sed eddlllons$11611 also be covered by Ibis onOwar understands lands and ograod Ibill MER]ASINT11611t- AD*r the romping lholdso my llegal tide Socurily Instrument as the°property., Inslramenl;bol,!f necessary to comply with IRW 01.Io she Intorests granted by Borrower In Ibis Security sors and a" CU$os1 MER1 ase lnlorelines fat LaTiller sa,including.butno[Lender'sid m1s9d ta,�H8u W foreclose and sell thhas the e P101*11T and tsayo lake any adios roputred 0P Lender lnduding,but not limited to,relteging or catcall"this Sue 1 Instrument. 4ovirtycd god has BORROWER COVENANTS 11121 Borrower is hwful ihas tee of therryth u barely nbued except far Seized the right Io morigege,grant end convey the Prop y f: f record•Borrower wottadu and will defend guttnilly We title to the Frowsy ebolnsl alt encumbrances O tlahns and ddmondg,sagjW to any encumbrances or record. Use and Agil-WIlrorm T141S SECURITY INSTRUMENT riscombines i do ss's cauttut fOrm a un7rormOrantS osecurity huimmeat Covering Mol ' covenants Whh limited varladons by j properly. Borrower and Lander cevenanr and agree as follows: tint o4 UNIFORM COVENANTS. when due the P r 1.Payment of Principal,Wartila Nnte end t and Lott late chi ges due and�he Note. I and lntcrest on,Wo debt evidenced by NN�Mi+'w6�1 4 �v,p1Q�.�mKW.• Mra•'..�- VKPI A! !QR w�*pwrT/3>vr+e,rYwn111SaNro1 Al. t 11 t 02Poeraea 0i:031'M ilGWtpW2 f wWW.o0CSotR4GT=M f ti k E t I i h t f I 2,Monthly Payment of Taxes, Insurance and other Chsrgos,Dorrower shall include In each m^nthiy payment,together with the principal and,Mores,as sol forth In the Note and any late charges.a sum for (a) taxes oral spoefal awesamenis levied or to be levied 10141(be Property' (b)tapA old payments or graund rents on the Properly,or (c)prtMlums far,rats m ro the Secretary of Hparoousing and any year in which The Lender Must pay a morlpag�n which prech mium 10 would have baso using a d Urban Development("Secretary"),or in tray Yea r Lcnder still held the Security Instrument,each monthly payment shell also lndudo culler:U)o sum for the annual mortgageinsurance ncInstead a preellutttlnto be if this Sec cid ity Imdawment iseheldmby the Secreanryj in a reason reasonable of a niorl$age for Ne mobil elrarge by the Sauelary,these items are omanm to be dorennined by the Secretary.iLndl y called"Escrow ftems"orxl ri+e sums paid to Lender ere called"Escrow Funds" lander may,at any time,colied and hold amounts rot Wow Items la an oggraggaata amount not 10 exceed the maximum amount that may be required for Borvower's escrow account undo Iha Real Pilate Settlement Procedures Act of 1894,12 U.S.C.Section tool el seq.and mpkme t nthc ag shite or 2r CFR pati SSG%as Ibey may be amended frena lime To time("RBSPA"►,except strve ptradaed by RESPA @r unanticipated dlsbutstmerua or disbursements before the Borrower's payments are available In the account may not be based on amounts due for Il+e mortgage hisuroace Premium. lr the amounts held by Londer for Bscrow hams exceed the amounts poemtded a he bold by RESPA. Under shall account to Borrower for the extols fonds as required by RESPA.If the amounts of funds held by Lender 81 any lime are not surliciem 10 Illy The Bscruw,Items when due, Leader nay Wiry Burrower and tequire Borrower to make up(he shortage as permitted by RESPA. The Escrow Funds are pledged as addJlIonal see tni of an succhh for sunu,Burrow is accured othis unt siwlJ be credited with If Borrower lenders to Lender the full payor b and (c)and any mortgage Insaran"premium the Wallet remAlning for all installment hems (a), O' IpSIC11oleni that Lender has not become obitgeted Ia Pay to the Secretary,and Landerahall prom yrt{Ikon by d any oxc Borrower'suaccount ahRA be caidl credited any foreclosure ani rcmalntng for al�nsiemm�nit Coir iitms W). Lender, lir),and W. and 2 flail be applied 3.Application of Payments,AU payments under Paragraphsapplied by)ender as follows: rendum to be paid by Lender to the Secretary or To die monthly 1r(Ipj•,to ibe morlgage Insurance p charge by the Secretary Instead or the monthly morigia i age iraaronce prre ooad renis,and lire,Deed and smgnd,to ally iaxas,special assessments,Icesehold pay 6r other harnrd Insurance prcmkmns,as required; to Interest due under The Nole; Wo r l,o to amnrillwon of the principal of(No Nota:and t ]ate charge,due undos the Nate. 4, Plrc, Plood amt other Aa:ard Insurance, llorrowaf slag)insure all impr vemenls on rhe rallIts. 4114 ther now 11, ence or ly trotted, 1 contingencies.plncNdtng Arc,;ortwhlch Laurier arequitres huoron aTbisslrsuroncee shall Tse maintained In I, byy needs ilie amounia and fat the perlods that Lender requires.Borrower shat)also eods to the extent all improvements on the Properly,whether now to existence or subsequently erected,against Ion by rognlrad R/rtlaR��aaapA��pyONo6{�-qWr �µm,gtye Wil M(Af•FA 1n11 � t.a,�wY 1 Wanto it"row"nnaM I ( Ovaa120aa 07;Oi pit iMDItAW, WWW.DDCSDinEI:T.00M . 1 G I i i 4 4 i t by the Secretary.AD Insurence shall be carried with wmpanlea approved by Lender.The I41iffs ce policies and Ally renewals shell be held by Lender and Abell Include loss payable elapses in favor of,and fn a form acceptable to,Lender. In(tie event of loss,Borrower shall give Lender Immediate notice by mall.Lender may melee proof of Jails If not made promptly by BOVOWOr,each Inauronce company concerned is hereby authorised and directed to mako payment for such Ions directly to Londer,instead of to Borrower and to Lender jointly. All or any pail of the insurance proceeds copy be applied by Lender,at Its oplhS, chief(n) to the tridecnao of die Indebtedness under die Note and this Security 1■slrument,first 10 any delinquent amounts Applied in ilia order In paragraph 3.and then to prepayment of prin0ipal,or(b)to the restoration or repair of the damaged Properly.Any applitefon of flit proceeds to the principal 61120 Sal extend Of postpone'lie due dote of the monlhly payments'whlcb are referred to in paragraph 2,of change the MUM of such poymeona.AV excess Insurance proceeds over as amounl required to pay oil Oplalanding tndebICIIA c under the Note and this Security Instrument shall be paid to ilia entity legally entitled lharelo. In the event or fareciosure of Ih)s Secotity Instrument or Daher transfer of 11110 Io the Propany the' rxltugufches Ile indebtedness,oil right,life and lateresl of Barrowerfn and 10 Insu isnce policies in force shell pass to lho purchaser. 6, occupancy,Preservation.Maintauanre find Peoteclfon of live Properly;Borrower's Loan Application;LoaAeholds.Borrowersholl occupy.establish,and use the Property as Barrmver's princtpal residence within sixty days rifler life execution Or this Security laAt intlit(or within abrry days of a later sale or Irnnsfer of the Propenyl and shall coodnue to occupy the properly as Borrower's principal residence for el Ieasl•ana your aflar The dela of occupancy,unless Lender delrrmhICS I1a1 r01tulrearMt will cave undue hardship for DIlDfrower's control.Borrowerorrowar, or unless OXIM10(Ing dreumsuonces axta wbtth ore beyond dec of lancts commit vrasie or dos oy,damage or substshell antially dtanga h Properly m alloextenuating w Properly to domrtur ia` reasonable wear and leaf excepted.Lender may Inspect the Property if the Property Is veepal or aboridoned Olt ion in oev and aban)to xis in 4arouh. Lender mProperly.Borrower AA11 a o b e10 delevil it Bas sonabit lorrower.during ilia)oancappl)csilon prorxssrve such vacept r abandoned gave materially false or Irracturato InromtOtion or 310100101113 10 Lender(or faded to provide Leader with any mpierlel Information)in connecnoo with Ilio loan evidenced by the Na10.Inciudlag,bul not Ifmlted to, reproWtetions concerning Borrower's occupancy of the Properly as a principal residence.If this Security Inshurxeat Is on a leasehold,Borrower shall comply with the provision>��e�dae'if Br Dvtlke merger fee title m the properly,the lco3chold end fee title shat)not be mergedagrees In wiling. 6. Condemnation,The proccods of any award or claim for dtunsges,direct or eonsequenlial,in connection wl(h any eondemixition or other(eking of any parr of the PmpOrty,or for conveyance In place of condemnation,are hereby assigned find shaft be paid to Lender to the extent of the Nil amount of the Idebtedmi;[hot remains unpaid under the Note and this Security Irotmraent.Lender shall apply such pocaeds to the reducllo11 of tie Indebiednaas under the Nate end(ads Security InurunlanL prat to any delinquent Amounts applied In the order provided In paragraph 3,and then to propayatem of principal.Arty I epplleodon of the proceads to the principal shell nor extend or postpone lbs due dale of the monthly paymarts,which are referred Io.In parngrepi 2,or change the amoum of such payments.Any excess I!t pmteeds over on amount required To pay all Outstanding Indabledncss under the Nolt and ibis SMMY vfto' qr�;uo Taw was msaa•rn �,`� "`"vr uro 0taeaAt so t yea, f t 6 WWW.DOCSDIRECT.COM OVOROOD 01103pM REDRAWa A I. F I " i Instrunant shall be pald to the enUly 1e8011y entitled hereto. 7.charges to Borrower and Protection of Lender's Rtghis in the Propeaty.harrower shall ply all governmental or municipal Charges,tines and lmposIdOm Ilial are not included In paragraph 2.Borrower shall pay tbt60 obligations on onto directly to the entily which Is owed the payment,if failure to pay would adversely affect Leader's intorast in ho Property,upoo Lender's request Borrouwr 60 promptly furnish to Lander receipts evidencing these MIllsnts. It Borrower bit$to snake Ibase payments or the payments required by paragraph t,or fails la p,forot any ober covenants and ogreemCnts contained In this Security instrument, or there Is a legal proreading-ilial may slgailieenlly affect Londer's rights in at property (such 03 a proceeding In bankruptcy,for condemhYallon Of(O enforce laws or regulations),than Lender may do and pay whatever is neress,1 Io protect the valva of the property slid Lender's rights In The Properly.Including paynnent of hnxes,hnzard Insurance and otter Items mentioned In paragraph 2 Any amouals dlsbursed by Leader under Ibis paragraph shall become as oddlifonai debt of Borrower and be aacured by tbts Sorority Inslruatent. These onaoonts shall bear interest from the dais of dishursoment.at(lie Nola rale,and at the option of louder,shall be Imme4laWy doe and . Insinnoolol unless agrees tpayabk, Ir aghees�nritlnaltJn4 Borrower.()ergWga the Paying!, by the 116in x inner ne eeptab)o to i,mtder, (b) contostc in good fook at lien by, or defesrris agalmi ertlbtcemenl of Tht lien Ib,legal proceedings which in the Lender's opinion opurate to prevent The enforcement of the lien;or(c)seeures Froin Ilia holder of Ilia lien an agreement satisfactory to Lander subordinating The lien to this Sorority lnstrumem.If Leader determines(bpi any part of the Property b subject to a Mico which illey attain priority over this Security instrument,Lender.may give Borrower a notice iOenTtfyhrg the hen.Borrower shall sRlWy the licit or take one or more or Ile actions set forth above within 10 days of the giving of nadee. g.Foes.Lender may 011W fees and cltnrges authorized by the Secretary. s.Grounds for Acceleration of Debt. (o)'Default,Leader may,except a$Ilmhod by regulations Issued by the Secretary,in he was of ppayment defaults, require Immediate payment In full of all sums secured by dda Security fnalroanentlf; TosBorrower Watent prior tolls ar on helduetdate of In6111 nextymonthlylPayment,aoraqulred by Ihka ScCuon 1A)Borrower defaahs by felling,for a period of thirty days,to perform toy outer ohiigr l $ comta rm"I In tw Security insirutnam, (h)Sale Without Credit Approval. Lender shall, If permitted by applicable W(ineluding Soclion 341(d) of the GaenSt. Germain Depository ImOutdons Act of 1982, 12 U.S.C. 1704-3(d))and with the prior approval of the Secretary,require immedtale payment In full of all bunts secured by Ude Security lnslrumem If, p)All or part of the Property.Or a beneficial Interest In o trust owning oil or purl of he Property.Is sold Or otherwise trarderrad(other than by devlss or descent),and (Il)Tho property 1s not occupied by the purchaser orgrantee as his or her principol rdidwii, or the purchaser or granlen dors so occupy The Properly but bis or her eredll has.not been approved In accordance with he requirements of$he Secretary. (e)lie waiver.It circuntstaares occur thin would parmli Lender to require Immediate payment In IHAM„pearwwR.itflf am+, e r Nrn auivr� v�xW e Wham RUMn hnwMln eorvkra WWW,Aq(%SDIR8C7.COM e3kenOoe oarw phi REDRAwa ) f I fall,but Lender does Rol require such payments,Lender does not waive Its rights with ralpca fo Subsequent avonts. (d)Regulations of Rup Secretnty.in many clrcwnslonces regula0oms Issued by the Secretary will)Iml(Lender's rights,in the coat of paymem defsulls,to require immediate payment 1n full and foreclose it not paid.This Security Instrument does not authorize aecelerallon or foreclosure It not p0ruttled by r0gula(IDns of the Secretary, (a)Mortgage Not Insured,Borrower agrees that If INS Security'Insummeni and the Note we not driarmined In be eligible for lnsuranoo under the National ROOM Act within 60 days from the date hereof.Lender may,M Its option,rttgtdre immedlare payment in full of all runts secured by this Security inswlneol, A writron stolemeat of any sulhorJxed again of the Secretary dated subsequent to 60 days train Ibe dole hereof,declining to!titre Ibis Secorily Instroment and.tbe Nom,shall be deemed conclusive proorartuch Ineligibility.Notwlibsfnn0ing The foregoing,(Int Option may not be exercised by Lender when(he unovallabl)tly of insurance Is SoWy due to Lender's fblitaa to remit is mortgage Insurance prernrum to the Seemly. 10.Reinstatement.Borrower has a rtgld to be reinstated if Under has required inmiedisle payment in lull because of Borrower's failure to pay an amount due tinder the Note or this Soearlty Inslrumenl.This right applies even dfier foreclosure proceedings are Insulated. To relastate the Security Imiri meal, Borrower sholl lender bt a lump stun'Ili amounts required Io bring Borrower's account current Iriclbglna, Io dhm extent they we oliNgatlons at Borrower under this Socorliy Instrument, foreclosure costs and, romosoble olid customary elcorneys'feas and expenses properly associated with lilt foreclosure preceeding. Upmt reinstatement by Borrower,Ibis Security Imiromeal mad dre obllgailom Diel It secures shall remain 11t erfcri n$jr Lender had not required lmmedimo payment In full.RDweVar,Lender Is not required 10 pornilt rNnstateramn if: (Q Lender bus accepted reinotettelu after the conmaeneement of rbreciomra proceedings within two years Wmedlwely preceding the commeneamtnl or a current fbreclesare proceeding, (10 reinstatement will preclude roreclosure on dllRreal grounds In the future, ar ("i) (einslalemons wltl adversely affect the p iwity of the Ilan created by This Security Instrument. 11,borrower Not Released; Forbearance By Lender Not s Walver•.13utensiou of the time of payment or modiDcafbn•of amorbima0an of the turns secured by ibis Sewrrffl�yy iattrumenl granted by Lender sunny successor in Interest or Borrower shall)not Wells 10 1`e10ase The J1010ity of the origins!Borrower or Borrower's tucressor In Inlareel, Lender shall no(be required to commence proceedhrgs against any succossor In Interest or refuse to extend lime for payment or oBnerv1IR modify omorira0on or 1110 tdms secured by[his Security Instrument by reason of eny demand mads by(he original borrower or Barrower's surcessors in Interest.Any forbcaraace by Lender in waircising any right or remedy t)W)not be a waiver of or preclude tilt exercise of any right or remedy. 12,Successors and Assigns Bound;Joint and Several Liability,Co•Stgners.The covenants sod agreements of$his Securely instrument$hall bind and beealll the sucewsortarid assigns of Lender sad Dorro)ver,subject to The provisions or paragraph D(b).Barrower'e eavemmnu and agreements$ball be Joldt and several.Amy Borcower who cosigns this Security instrument but dons not execute the NOW W Is eo,signing this Security Instrument only to mortgage,gram sad convoy That Borrower's Interest In The Properly under ilia(arms of this Secerfty Instrument; N Is not PCrsonal)y obligated to pay the soros secured by INS Security Instrument; and(e)agrees that Leader and any other Borrower may agree to extend,modify forbear of make any accommodations with retold to Ate form of this SewA(y lnsiromeat R-17 PAC r rVwa row..m snvrcx �A WWW.DDCSDIRIC7.Com 071061100 OLIO PM AEDPAWa i or[be Note without Mol Borrower's consent. 13, HoUces, Any ao(Ice to Borrower provided for In this Security Instrument shell be given by delivering If or by mailing ll by first class mail unless applicable Inv reguIres use of another"hod.The notice shag be direaod to the Property Address or any other address Borrower designates by notice To Lender.Any notice to Lender shall be given by first class mall to Lender's address stated herein or any address Lender designates by Polite la Borrower.Any eoike provided$or In Ads Security Instromvul shall -bo deemed to bavo Deco given to Borrower or Lender when gtved as provided In this paragraph. 14.Governing Lowl Sevrrnbiuty.This Security Instrument shall be govamed by Federal low and the law or(he Jurisdiction in which the Property Is located.In the event that any provision or cloaca or Ibis Security Instrument or the Note connlcls with applicable law,such conflict shag not affect other Provisions nl'tlds Security bistrmnent or the Note which can be given effect without The connlctiug provision.To(his anal Iba provisions or Ibis Security Instrument and the Note are declared to be save"blo. 15,Borrower's Copy.Borrowersheli be givmn one rwafarmad copy of(he Nae and of this Security instrument, 16.hazardous Substances.Borrower shall not cause or pemdt the presence.use,disposal.slmago, nr relvasa of any llotardaut Substances on or in the Property.Borrower shsll not do,nor allow ar yane else to du.anything Affecting ilia Properly that Is in vioiotlon orany Environmental Low.The preceding two sentences shnil not apply to Ihit presence,use, or storage an(be Property or small qusnulles of Hnzardaus Substances that era generally recognized to be appropriate to normal residestiel uses and to nwlnlenmite of ilia Properly. Borrower shill promptly give Lendtr written notice of any invosAgailab claim,dormnd,hwsuh or Abhor Action by any governmeolal or regulatory agency or private party involving the Property and pay ilazordods Substance or L'nvironmentol Law of which Borrower bas actuel knowledge.Ir sorrower learns. or is twllned by any governmental or rogulatory authority,that any removal or other remediation of any Hazardous Substances affecting the Property Is necessary,Borrower shall promptly take all accessary remedial actions in accordance with$nvitonmental Low. As used 1n this paragraph 16, "Hazardous Substances'are those substances denoed os bete or hazardous substances by Environmental Law end Ute follawhtg sulatances: QUORAe, horosene, other fhimmable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, moledAs containing asbestos or formaldehyde, and radioncitve materials. As used In (his paragraph 16. "Environmental Law"mesas federal laws and laws of the Jurisdiction where[be Properly Is located that relate(a health,safety or emlronmodrol Protection. NON-UNIFORM COVENANTS.Borrower and Lender further covenant and agneas follows; 17.Assignment of Rants.Borrower unconditionally,assigns and Irorsfers to Lender Al(be renis and reveAucs or the Property.Borrower milhorizes Lender or Lender's sgeeu to called the rens and revenues and hereby cllrects each lemat of the Preparry to pay aha Perm to Leader or Landers agents,However, prior to Lender's aolice to Borrowar of Barowet's breach of any covenant or sgreamcm,fit The Security Instrument,Borrower shall collect end recdvo oll rents and revenues of the Properly as trustee rot the benefit or Lender ami Borrower,This assignment of rents conslllutes an absolute assignment and not an assignment for addlnonal security only. It lender gives notice of breach to Borrowen(A)all rents received by Borrower shall be bold by Borrower as crustae for benefit of Lender only, to he Applied to the sums seeared by she Socarity seXaawrG"emoasa•rAa•+�y'p ', 1, WNMJtlM,.rfpMp,Y ee,vo.a WIWpiN WWW,DDC4n1RRCf.r0M OMW200 Mosym aP.bRAVA 1 instrument:(b)Lender shall be entitled to collect oral resolve all of The rents of lila Property:and(c)each iananl of the Property shall pay ell roots duo and unpaid to Lender or Lenders agent on Lender's wrhttn dmmand to tilt 1 nt. 1orrower�as not executed any prior assignment of the reals end has not and will not perform ally art tout wov)d provenl Lender from exercising Its rights under this paragraph 17. Widar shall not be required so enter upon.take control of or nttilmaln the Property before or after giving notice or breach to Borrower.However.Lender or a Judicially appointed resolver map do so at♦try time`here Is a breach.Any aptilkifiloo of rents$boll not cure or waive any derenli or involidoie any other right or remedy of Leader.Thus assignment of reds of the Pcopurty slog lermlnalo when The dab'secured by the Security Instrument is paid to full, 19.Pbradosur4 Procedure,Ir Lender roquhes immediate payment In full trader paragraph 9, Lender may foroctose this Security Insirwnot by judicial proceeding,Lander shall be entitled to coliect till expenses Incurrad in persuing I remodits provided In(his paragraph t0,including,but unt 11'nited to,attorneys`fees and costs of tttla evidence. I I'Ihr.Lender's inlaresl In 11ds Sacurity Instrument b held by the Secretary ryako dhthe ltSecretary e requires Immediate a ant hm rWl under paragraph 0,The Secretary ratty N 3yower of sole ybrovidgeA in the Single Fondly Morlga a Foreclosure Act of 3099("At(")(it U.S.C. foreclosurecl and lorsall thanpropertyfortnr provlclosure A d In the Act.Nunit Mf %In the prated under eceding Act lsentenet shall deprive the Secretary of any rights otherwise avallaWe to a Lender ander this paragraph 18 or applicable law. 10.lWaose.Up"payment of all sums secured by this Secdrity Instrtanem,ibis Security taahwudal and he came, d shall ate and become void.After such and so Irfy this Security Instrument without rs ithout eharga o Borrower.Bontower shall pay Dry recordation dischargedationt0s. 20.Waivers.Borrower,to the extent permitted by appllcabte law,valves and raitases any armor or defecls In proceedings to enforce Ohl$Security Instrument,tad hereby waives the benefit of any prosect or Nlure laws providing for sloy of execution,exteasitm of Bmo,exemp00111 from attachment,kvy and sale, and homestead exemption. 2I.Reinstatement Period.Borrower's lime to reinstate provided In petsgroph 10 she])extend to one hour Prior to lite Commencement of bidding at a shedr!"s salt or other tilt puravani to this Senrily 'Instrmleni. 22,purcharo Moloy Hlortango,it any of the debt secured by ibis Seetxity Insuamcnl u lam to Borrow to acquire 1104 to(be Property.ihls Security.Instrument shall be o purchase money mortgage. 2S.Intemut Rate After JudgmanL.Borrower agrees that the interest rate Payable after a Judgment Is entered an rite Note or In on actio of mortgage foreclosure shell be the rate payable from time l0 Ilme under Ihoole. tt. {tiers to this security instrument.it one or more riders are executed by Borrower and recorded wgolber with this Security ins♦rumeal,the covenants oraacb such rider shall be Incorporated Indo std shall omend and supptemenl the covensnls and agreemenls of(his Secu ft Instromem as if the 1`11104) wen o por(of this Security instrument.(Check applicable box(es)(. Condominlum Rider Cradnaltd Payment Rider � [her ispWryl Pienned Unl.t)cvolopment Rider 8 GrowinS 4ully aider r11A#A-PO—h Mesa•PA a..rn 1q{NMa/M Uel VAIIIMtlA10]aea.ea WOM ul~h-610sl l 6AUdr h♦o♦ www.00rSOlKECT.COM O&Wnm 02470M RCDRnw! 13Y SIGNING BBLOW. Borrower accepts and agrees to Ike terms cootalnad in Als Secorily laslrument And to any rldcr(s)executed by Borrower and recorded with It. C (Seel) QUI) iQ1CtRI Domwor DAM �(F flnrtmvtr 11+X fal/frJ {SCaA (Sol) •Bvuvtv2r •Bprrpwcr (Seal) —(Beall �� .Anrmwn •B4rrowar (Sell) ($holy �..__..,..• .Borrower .Barrewer COMMONWAA OF PENNSYLVANIA, l.tlrl'OeJ�nd �.�County ss: An lift. day of simmum2009 ,brrora me,the underslamed officer, personally appeared l 1 v"N m min mil bµ, known 10 me(or satisrAe(orlly proven)to be tha paraoa(s)v0dro )Ishre spbsWbod to 1114 whhln instrument and ocknowledgod that hctshe7lhey 4xecnled Sheorposes herdA comchmd. 1N W17NIMS WHRAB'OP,i hereunto set my hand an My Commission Expires,___'-�—+ Certdlcute 6f ResldenceKf iC 1✓R,lJL7! _._— do hereby Codifythst 1, n The correct address of the wl0rtn•nomed Mortgagee Is 3300 SM,34d1 Avenue. Suite 101,Ocala,FL 34474,M.ilex 2016.Pon,Ml 46601.2028. Wilms my hand Ibis Y�1 day or> � �' a..rduw oras uw.arrW..nh.wnifdSrnwrt f>A•w^'N�•'W�" }�f C,oMt4stiVxr @I4'�r0e n o 1 � ty,Uewtvtin�a AAoelatlanWHOW" WWW.00001PICr.Com Ct/eer7a0a 92:07 PM 0806Aw7 ROBERT P.ZIEGLER RECORDER OF DEEPS CUMBERLAND COUNTY -, 1 COURTHOUSE SQUARE CARLISLE,PA 17013 717-240-6370 Instrument Number.200907918 Recorded On 3/17/2009 At2AW1 PM *IalnlPages-it *Instrument Typo-MORTGAGE lavoice Numbor-39396 13sor ID-M 31, *Mortgagor.HUFFMAN,DAVID *Mortgagee-MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC *Customer-COMPLETS CLOSING SERVICES LLC *FEES STATE WRIT TAX $0.30 Certification Page STATZ SCS/ACCESS TO $10.00 JUSTICE DO NOT DETACH RECORDING PENS $23.60 RECORDER OF DEEDS This page is now part PARCEL CZAT17TCATION $10.00 of this legal document. F6�u8 AFFORDABLE HOUSING $11.50 COUNTY ARCHIVES SEE $2.00 ROD ARCHIVES FEB $3.00 TOTAL PAID $60.50 Certify this to be recorded in Cumberland County PA o RECORDR.R p A D3 '•taformalton denoted by an asterisk may change durlag she verlieatlon process end may not bs resected on this pogo. Bllllll�l�l���l�l�l� o � S • C � a Multistate EMMMMM 06, 2009 [Dalel 4807 VnUMUA XW, bZCHM1CSS=, PMWMVANIPI 17050 [Property Address) 1.PARTIES "Borrower" means each person signing at the end of this Note, and the person's successors and assigns. "Lender"means FATEOW 1NDEPEND=b1XdX = CCRPCIRAMCH and its successors and assigns. 2.BORROWER'S PROMISE TO PAY:INTEREST In return for a loan received from Lender,Borrower promises to pay the principal sum of CtM FMMT= SEVE Y NINE THOUSAND EIOUR Ii(IIMMM E3:M= SEVEK &110/100 Dollars(U.S.$ 179,487.00 ),plus Interest,to the order of Lender.Interest will be charged on unpaid principal, from the date of disbursement of the loan proceeds by Lender,at the rate of ETVE & CUE—HAW percent( 5.5000%)per year until the full amount of principal has been paid. 3.PROMISE TO PAY SECURED Borrower's promise to pay is secured by a mortgage,deed of trust or similar security instrument that is dated the same date as this Note and called the"Security Instrument."The Security Instrument protects the Lender from losses which might result if Borrower defaults under this Note. 4.MANNER OF PAYMENT (A) Time Borrower shall make a payment of principal and interest to Lender on the ].ST day of each month beginning on AP= 01, 2009 .Any principal and interest remaining on the 12T day of 14slRM 2039, will be due on that date,which is called the"Maturity Date." (B) Place Payment shall be made at 2445 DARMN F0AD, SUITE 102, b=ZSCN, WI 53704 or at such place as Lender may designate in writing by notice to Borrower. (C) Amount Each monthly payment of principal and interest will be in the amount of U.S.$1,019.31 This amount will be part of a larger monthly payment required by the Security Instrument, that shall be applied to principal, interest and other items in the order described in the Security Instrument. (D) Allonge to this Note for payment adjustments • If an allonge providing for payment adjustments is executed by Borrower together with this Note,the covenants of the allonge shall be incorporated into and shall amend and supplement the covenants of this Note as if the allonge were a part of this Note.[Check applicable box) ❑Graduated Payment Allonge DGrowing Equity Allonge Other[specilyl ETIiST ISN FHA Muldstat*nxoo Rat*Nota 10!95 VMP® VMP1R(0809).00 Wonem Nl—r Fnendal S*Moas InWals: Papo 1 of 9 WWW.DOCSDIRECT.COM 02!06!2009 11:06 AM REDRAW S.BORROWER'S RIGHT TO PREPAY Borrower has the right to pay the debt evidenced by this Note, in whole or In part,without charge or penalty,on the first day of any month.Lender shall accept prepayment on other days provided that Borrower pays interest on the amount prepaid for the remainder of the month to the extent required by Lender and permitted by regulations of the.Secretary.If Borrower makes a partial prepayment,there will be no changes in the due date or In the amount of the monthly payment unless Lender agrees in writing to those changes. 8.BORROWER'S FAILURE TO PAY (A) Late Charge for Overdue Payments If Lender has not received the full monthly payment required by the Security Instrument, as described in Paragraph 4(C) of this Note, by the end of 15 calendar days after the payment is due, Lender may collect a late charge in the amount of FMR percent( 4.0000%)of the overdue amount of each payment. (B) Default If Borrower defaults by failing to pay In full any monthly payment,Wen Lender may,except as limited by regulations of the Secretary in the case of payment defaults, require immediate payment In full of(lie principal balance remaining due and all accrued interest. Lender may choose not to exercise this option without waiving its rights in the event of any subsequent default. In many circumstances regulations issued by the Secretary will limit Lender's rights to require Immediate payment in full in the case of payment defaults.This Note does not authorize acceleration when not permitted by HUD regulations.As used In this Note,"Secretary"means the Secretary of Housing and Urban Development or his or her designee. (C) Payment of Costs and Expenses If Lender has required Immediate payment in full,as described above,Lender may require Borrower to pay costs and expenses Including reasonable and customary attorneys' fees for enforcing this Note to the extent not prohibited by applicable law.Such fees and costs shall bear Interest from the date of disbursement at the same rate as the principal of this Note. 7.WAIVERS Borrower and any other person who has obligations under this Note waive the tights of presentment and notice of dishonor. "Presentment"means the right to require Lender to demand payment of amounts due."Notice of dishonor"means the right to require Lender to give notice to other persons that amounts due have not been paid. 8.GIVING OF NOTICES Unless applicable law requires a different method,any notice that must be given to Borrower under this Note will be given by delivering it or by mailing it by first class mail to Borrower at the property address above or at a different address if Borrower has given Lender a notice of Borrower's different address. Any notice that must be given to Lender under this Note will be given by first class mail to Lender at the address stated in Paragraph 4(B)or at a different address if Borrower is given a notice of that different address. 9.OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note,including the promise to pay the full amount owed.Any person who is a guarantor,surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor,surety or endorser of this Note,is also obligated to keep all of the promises made in this Note.Lender may enforce Its rights under this Note against each person Individually or against all signatories together.Any one person signing this Note may be required to pay all of the amounts owed under this Note. FXM WMT FNA Muttisnta Fixed Rate Non 10>9S VMP® VMP1R(0888).08 Woltors Kit-ar FlnanClol SaMCes I"Rlalr.. Pg.2 of 3 WWW.DOCSDIRECT.COM 02/00/2000 11:00 AM REDRAWI i r BY SIGNING BELOW,Borrower accepts and agrees to the terms and covenants contained in this Note. cALC (Seal) (Seal) Rift l Ht1m9N 9 -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower Pay to the Older 01 (Seal) WdhOUt R' tum (Seal) -Borrower JPMtxgat 4 Be war By. OIMo [Sign Original Only] ETRSP LIM FHA MulUstwe Fixed Rata Note 10106 VMP 0 VMPIR(08081.00 Wafters Kluwer Fimncial Servlxs Pago 3 013 Pay to the order of S:P.,Isom mm autltr N.A. without recourse rCFaG%m =ature* � Printed Name: Laurel k or Title: Sr.Vice President WWW.r)OCSDIRECr.COM 02/06/2009 11:06 AM REDRAW1 P.O.Box 183205 Columbus,OH 43218 USPS CERTIFIED MAIL 11 For Undeliverable Mail Only 9214 8901 0754 4634 4258 82 022045.1 of 4 NSPOHDLA-GAJ05147690000000 DAVID HUFFMAN 4807 VIRGINIA RD MECHANICSBURG PA 17050 CHASE !i Chase(OH4-7399) P.O.Box 1.83205 Columbus,OH 43218 For Undeliverable Mail Only 02/28/2014 DAVID HUFFMAN 4807 VIRGINIA RD MECHANICSBURG,PA 17050 NOTICE OF INTENT TO FORECLOSE MORTGAGE Account: Property Address: 4807 VIRGINIA RD MECHANICSBURG,PA 17050(the"Property") Dear DAVID HUFFMAN: Under the terms of the Mortgage or Deed of Trust("Security Instrument")securing your Loan,JPMorgan Chase Bank,N.A.("Chase"),as servicer of your loan,hereby notifies you of the following: 1. You are in default because you have failed to pay the required monthly installments commencing with the payment due 01/01/2014 for the mortgage held by JPMorgan Chase Bank,National Association. 2. As of 02/28/2014,total monthly payments(including principal,interest,and escrow if applicable),late fees,insufficient funds(NSF)fees,and other fees and advances due under the terms of your loan documents in the total amount of$2,640.42 are past due.This past-due amount is itemized below.If applicable,your account may have additional escrow amounts that have been paid out and are due on the Loan. 3. If you have any questions about the amounts detailed below,please contact us as soon as possible at 800-848-9380. Total Monthly Payments $2,538.86 Late Fees $101.56 NSF Fees $0.00 Other Fees and Advances* $0.00 Advances* $0.00 Amount Held in Suspense $0.00 *Other Fees and Advances include those amounts assessed in accordance with your loan documents,and/or permitted by applicable law, or that were authorized for services rendered.If you need additional information regarding any of these amounts,please contact us at the number provided below. Certified Article#:9214 8901 0754 4634 4258 82 022045-2 of 4 NSPOHDLA-CA J0514768 0000000 You are also responsible for paying any amounts that become due from the date of this letter through the expiration date of 04/02/2014 set forth in Paragraph 4 below. These amounts may include,but are not limited to,taxes,insurance,inspection fees and other fees,as permitted by applicable law. If you have any reason to dispute the past-due amount listed above,or if you believe your Loan is current,please contact us at the number provided below. 4. If you are unable to pay your account current within 33 days,we intend to exercise our right to accelerate the mortgage payments.This means that whatever is owed 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 33 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 33-day period,you will not be required to pay attorney's fees. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. 5. You have the right to cure the default,or anyone acting on your behalf,and pay your account current anytime at least one hour prior to the commencement of bidding at a sheriff's sale or other judicial sale,not more than three times in any calendar year.To do so,you must: a) Pay or tender in the form of cash,cashier's check or certified check all sums that would have been due at the time of payment or tender in the absence of default and the exercise of acceleration; b) Perform any other obligation which you would have been bound to perform in the absence of default or the exercise of acceleration; c) Pay or tender any reasonable attorney's fees the reasonable costs of proceeding to foreclosure that were actually incurred up to and including the date the debtor cures the default,as specified in writing by the mortgagee; d) Pay any,reasonable late penalty,if outlined in the mortgage. Action required to cure the default:You must pay the Total Monthly Payments listed in Paragraph 2 within 33 days from the date of this notice in order to cure this default. All late fees, NSF fees,and other fees and advances are still valid and will need to be repaid under the terms of your loan documents. 6. If you fail to cure the default on or before 04/02/2014,Chase may accelerate the maturity of the Loan,declare all sums secured by the Security Instrument immediately due and payable,and commence foreclosure by judicial proceeding and sale of the Property.If this happens,Chase will be entitled to collect its expenses incurred in pursuing the remedies provided in the Security Instrument,which may include,but not be limited to,allowable foreclosure/attorney fees and other expenses permitted by your loan documents or applicable law. 7. If permitted by your loan documents or applicable law,you have the right to reinstate after acceleration of the Loan and the right to bring a court action to assert the nonexistence of a default or any other defense to acceleration,foreclosure,and sale.However,the amount required to reinstate may be higher than what is owed under Paragraph 2 above due to additional fees and charges that we are entitled to collect under the Loan,including attorney fees,if permitted by law, related to anv foreclosure action we initiate. Certified Article R:9214 8901 0754 4634 4258 112 8. Kindly remit the total amount due,shown in Paragraph 2 above,to the remittance address listed below.Please note that Chase policy requires certified funds if two insufficient funds(NSF) payments have been received in the last six months.In this event,Chase will not accept a Direct Check,FastPay or SpeedPay payment.Payments cannot be made at Chase retail bank branches. Please refer to the addresses below for payment information or contact us if you have any questions. Regular Mail: CHASE PO BOX 78420 PHOENIX,AZ 85062-8420 Overnight Mail: CHASE PO BOX 78420 1820 EAST SKY HARBOR CIRCLE SOUTH PHOENIX,AZ 85034-9700 Except as required by law,we are under no obligation to accept less than the full amount owed. If you send us less than the full amount owed,we may in our sole discretion apply such partial payment to your Loan without waiving any default or waiving our right to accelerate the Loan and continue with foreclosure proceedings in accordance with Paragraph 4 above. 9. If you are unable to pay the amount past due,Chase has a variety of homeowners' assistance programs that might help you resolve your default and keep your home;however,we need to talk with you to discuss these options and determine which of them might be appropriate for your circumstances.Please call us as soon as possible at 800-848-9380. 10. While the Loan remains in default,we will perform certain tasks to protect our interest in the Property,including visits to your Property at regular intervals during the default.This will be done to determine,as of the date of the inspection the property condition,occupancy status,and,possibly, your plans for curing the default and paying this Loan on time. You should anticipate that any costs incurred by Chase will be added to the amount you now owe if permitted by your loan documents or applicable law. 11. 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 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 may exist.You have the right to have this default cured by any third party acting on your behalf. Chase offers homeownership counseling services to borrowers in some areas.Counseling is also available through a variety of nonprofit organizations experienced in homeownership counseling and approved by the, Secretary of Housing and Urban Development(HUD).A listing of such organizations may be obtained by calling HUD toll-free at 800-569-4287 or at www.hud.gov. Sincerely, Chase 800-848-9380 800-582-0542 TDD/Text Telephone www.chase.com Enclosure -Federal Trade Commission Pamphlet Certified Article N:9214 8901 0754 4634 4258 82 022045-3 of 4 NSPOHDLA-CA J0514768 0000000 IMPORTANT NOTICE TO SERVICEMEMBERS AND THEIR DEPENDENTS If you are or recently were on active duty or active service,you may be eligible for benefits and protections under the federal Servicemembers Civil Relief Act(SCRA).This includes protection from foreclosure or eviction.You may also be eligible for benefits and protections under state law. SCRA and state military benefits and protections also may be available if you are the dependent of an eligible servicemember. Eligible service may include: • Active duty with the Army,Navy,Air Force,Marine Corps,or Coast Guard,or • Active service as a commissioned officer of the National Oceanic and Atmospheric Administration,or • Active service as a commissioned officer of the Public Health Service,or • Service with the forces of a nation with which the United States is allied in a war or military action,or • Service with the National Guard of a state militia under a state call of duty,or • Any period when you are absent from duty because of sickness,wounds,leave,or other lawful cause. For more information,please call Chase Military Services at 866-840-5826. An important reminder for all our customers: As stated in the"Questions and Answers for Borrowers about the Homeowner Affordability and Stability Plan"distributed by the Obama Administration,"Borrowers should beware of any organization that attempts to charge a fee for housing counseling or modification of a delinquent loan,especially if they require a fee in advance." Loan modification scams should be reported to PreventLoanScams.org or by calling 888-995-HOPE;888-995-4673.We offer loan modification assistance free of charge(i.e.,no modification fee required).Please call us immediately at 866-550-5705 to discuss your options.The longer you delay,the fewer options you may have. We are attempting to collect a debt,and any information obtained will be used for that purpose. If you are represented by an attorney,please refer this letter to your attorney and provide us with the attorney's name,address and telephone number. To the extent your original obligation was discharged,or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code,this notice is for compliance and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation.However,a secured party retains rights under its security instrument,including the right to foreclose its lien. BR840 Cert'rfied Article#:9214 8901 0754 4634 4258 92 Ali f£'om aFederal,Trail Corrii"1'1i:.sio 1. Facing foreclosure? Scammers are targeting people having trouble paying their mortgages. Some claim to be able to"rescue" homeowners from foreclosures, while others promise loan modifications — for a fee. The Federal Trade Commission, the nation's consumer protection agency,wants you to know how to avoid scams that could make your housing situation go from bad to worse. Don't Get Hit by a Pitch. Imitations = Frustrations. "We can stop your foreclosure!" Some con artists use names,phone numbers, "97%success rate!" and websites to make it look like they're part "Guaranteed to save your home!" of the government.If you want to contact a These kinds of claims are the tell-tale signs of government agency,type the web address a foreclosure rip-off. Steer clear of anyone directly into your browser and look up any who offers an easy out. address you aren't sure about. Use phone numbers listed on agency websites or in other Don't Pay for a Promise. reliable sources,like the Blue Pages in your Don't pay any business,organization,or phone directory.Don't click on links or open person who promises to prevent foreclosure or any attachments in unexpected emails. get you a new mortgage. These so-called "foreclosure rescue companies"claim they Talk to a HUD-Certified Counseling can help save your home,but they're out to Agency - For Free. make a quick buck. Some may request hefty If you're having trouble paying your mortgage fees in advance—and then stop returning your or you've already gotten a delinquency notice, calls. Others may string you along before free help is a phone call away. Call 1-888-995 disclosing their charges. Cut off all dealings if -HOPE for free personalized advice from someone insists on a fee. housing counseling agencies certified by the U.S. Department of Housing and Urban Send Payments Directly. Development(HUD). This national hotline— Some scammers offer to handle financial- open 24/7—is operated by the arrangements for you, but then just pocket Homeownership Preservation Foundation,a your payment. Send your mortgage payments nonprofit member of the HOPE NOW ONLY to your mortgage servicer. Alliance of mortgage industry members and HUD-certified counseling agencies. For free Don't Pay for a Second Opinion. guidance online,visit www.hopenow.com. Have you applied for a loan modification and For free information on the President's plan to been turned down?Never pay for a"second help homeowners,visit opinion." www.makinghomeaffordable.gov. aciaral Trace Gaririaissicri. f? {CC cjQeJ�1(IlP.yNi8tieC� Certilied Article p:9214 8901 0754 4634 4258 82 022045-4 of 4 NSPOHDLA-CA J0514768 0000000 Call 1 -888-995-HOPE for free personalized guidance from housing counseling agencies certified by the U.S. Department of Housing and Urban Development. The Homeowner's HOPETM Hotline - open 24/7 - is operated by the Homeownership Preservation Foundation, a nonprofit member of the HOPE NOW Alliance of mortgage industry members and HUD-certified counseling agencies. Or visit www . hopenow. com For free information on the President's plan to help homeowners, visit www. makinghomeaffordable . gov . . . . . . . ... . .. tU(fp:•ft Asu?v»la`ZCP.'1`o;11L'eat f . MN Certified Article if:9214 8901 0754 4634 4258 82 P.O.Box 183205 Columbus,OH 43218 USPS CERTIFIED MAIL1tQ For Undeliverable Mail Only 9214 8901 0754 4634 4258 99 022046-1 of 4 NSPONDLA-CA/0514768 0000000 KARRI HUFFMAN 4807 VIRGINIA RD MECHANICSBURG PA 17050 Chase(OH4-7399) CHASE !i P.O.Box 183205 Columbus,OH 43218 For Undeliverable Mail Only 02/28/2014 KARRI HUFFMAN 4807 VIRGINIA RD MECHANICSBURG,PA 17050 NOTICE OF INTENT TO FORECLOSE MORTGAGE Account: Property Address: MECHANICSBURG,PA 17050(the"Property") Dear KARRI HUFFMAN: Under the terms of the Mortgage or Deed of Trust("Security Instrument")securing your Loan,JPMorgan Chase Bank,N.A.("Chase"),as servicer of your loan,hereby notifies you of the following: 1. You are in default because you have failed to pay the required monthly installments commencing with the payment due 01/01/2014 for the mortgage held by JPMorgan Chase Bank,National Association. 2. As of 02/28/2014,total monthly payments(including principal,interest,and escrow if applicable),late fees,insufficient funds(NSF)fees,and other fees and advances due under the terms of your loan documents in the total amount of$2,640.42 are past due.This past-due amount is itemized below.If applicable,your account may have additional escrow amounts that have been paid out and are due on the Loan. 3. If you have any questions about the amounts detailed below,please contact us as soon as possible at 800-848-9380. Total Monthly Payments $2,538.86 Late Fees $101.56 NSF Fees $0.00 Other Fees and Advances* $0.00 Advances* $0.00 Amount Held in Suspense $0.00 *Other Fees and Advances include those amounts assessed in accordance with your loan documents,and/or permitted by applicable law, or that were authorized for services rendered.If you need additional information regarding any of these amounts,please contact us at the number provided below. Certified Article a:9214 8901 0754 4634 4258 99 022046-2 of 4 NSPOHDLA-CA J0514768 0000000 You are also responsible for paying any amounts that become due from the date of this letter through the expiration date of 04/02/2014 set forth in Paragraph 4 below. These amounts may include,but are not limited to,taxes,insurance,inspection fees and other fees,as permitted by applicable law. If you have any reason to dispute the past-due amount listed above,or if you believe your Loan is current,please contact us at the number provided below. 4. If you are unable to pay your account current within 33 days,we intend to exercise our right to accelerate the mortgage payments.This means that whatever is owed 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 33 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 33-day period,you will not be required to pay attorney's fees. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. 5. You have the right to cure the default,or anyone acting on your behalf,and pay your account current anytime at least one hour prior to the commencement of bidding at a sheriff's sale or other judicial sale,not more than three times in any calendar year.To do so,you must: a) Pay or tender in the form of cash,cashier's check or certified check all sums that would have been due at the time of payment or tender in the absence of default and the exercise of acceleration; b) Perform any other obligation which you would have been bound to perform in the absence of default or the exercise of acceleration; c) Pay or tender any reasonable attorney's fees the reasonable costs of proceeding to foreclosure that were actually incurred up to and including the date the debtor cures the default,as specified in writing by the mortgagee; d) Pay any reasonable late penalty,if outlined in the mortgage. Action required to cure the default:You must pay the Total Monthly Payments listed in Paragraph 2 within 33 days from the date of this notice in order to cure this default. All late fees, NSF fees,and other fees and advances are still valid and will need to be repaid under the terns of your loan documents. 6. If you fail to cure the default on or before 04/02/2014,Chase may accelerate the maturity of the Loan,declare all sums secured by the Security Instrument immediately due and payable,and commence foreclosure by judicial proceeding and sale of the Property.If this happens,Chase will be entitled to collect its expenses incurred in pursuing the remedies provided in the Security Instrument,which may include,but not be limited to,allowable foreclosure/attorney fees and other expenses permitted by your loan documents or applicable law. 7. If permitted by your loan documents or applicable law,you have the right to reinstate after acceleration of the Loan and the right to bring a court action to assert the nonexistence of a default or any other defense to acceleration,foreclosure,and sale.However,the amount required to reinstate may be higher than what is owed under Paragraph 2 above due to additional fees and charges that we are entitled to collect under the Loan,including attorney fees,if permitted by law, related to any foreclosure action we initiate. Certified Article#:9214 8901 0754 4834 4258 99 8. Kindly remit the total amount due,shown in Paragraph 2 above,to the remittance address listed below.Please note that Chase policy requires certified funds if two insufficient funds(NSF) payments have been received in the last six months.In this event,Chase will not accept a Direct Check,FastPay or SpeedPay payment.Payments cannot be made at Chase retail bank branches. Please refer to the addresses below for payment information or contact us if you have any questions. Regular Mail: CHASE PO BOX 78420 PHOENIX,AZ 85062-8420 Overnight Mail: CHASE PO BOX 78420 1820 EAST SKY HARBOR CIRCLE SOUTH PHOENIX,AZ 85034-9700 Except as required by law,we are under no obligation to accept less than the full amount owed. if you send us less than the full amount owed,we may in our sole discretion apply such partial payment to your Loan without waiving any default or waiving our right to accelerate the Loan and continue with foreclosure proceedings in accordance with Paragraph 4 above. 9. If you are unable to pay the amount past due,Chase has a variety of homeowners'assistance programs that might help you resolve your default and keep your home;however,we need to talk with you to discuss these options and determine which of them might be appropriate for your circumstances.Please call us as soon as possible at 800-848-9380. 10. While the Loan remains in default,we will perform certain tasks to protect our interest in the Property,including visits to your Property at regular intervals during the default.This will be done to determine,as of the date of the inspection the property condition,occupancy status,and,possibly, your plans for curing the default and paying this Loan on time. You should anticipate that any costs incurred by Chase will be added to the amount you now owe if permitted by your loan documents or applicable law. 11. 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 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 may exist.You have the right to have this default cured by any third party acting on your behalf. Chase offers homeownership counseling services to borrowers in some areas.Counseling is also available through a variety of nonprofit organizations experienced in homeownership counseling and approved by the Secretary of Housing and Urban Development(HUD).A listing of such organizations may be obtained by calling HUD toll-free at 800-569-4287 or at www.hud.gov. Sincerely, Chase 800-848-9380 800-582-0542 TDD/Text Telephone www.chase.com Enclosure -Federal Trade Commission Pamphlet Certified Article#:9214 8901 0754 4634 4258 99 022046-3 of 4 NSPOHDLA-CA J0514768 0000000 IMPORTANT NOTICE TO SERVICEMEMBERS AND THEIR DEPENDENTS If you are or recently were on active duty or active service,you may be eligible for benefits and protections under the federal Servicemembers Civil Relief Act(SCRA).This includes protection from foreclosure or eviction.You may also be eligible for benefits and protections under state law.SCRA and state military benefits and protections also may be available if you are the dependent of an eligible servicemember. Eligible service may include: • Active duty with the Army,Navy,Air Force,Marine Corps,or Coast Guard,or • Active service as a commissioned officer of the National Oceanic and Atmospheric Administration,or • Active service as a commissioned officer of the Public Health Service,or • Service with the forces of a nation with which the United States is allied in a war or military action,or • Service with the National Guard of a state militia under a state call of duty,or • Any period when you are absent from duty because of sickness,wounds,leave,or other lawful cause. For more information,please call Chase Military Services at 866-840-5826. An important reminder for all our customers:. As stated in the"Questions and Answers for Borrowers about the Homeowner Affordability and Stability Plan"distributed by the Obama Administration,"Borrowers should beware of any organization that attempts to charge a fee for housing counseling or modification of a delinquent loan,especially if they require a fee in advance." Loan modification scams should be reported to PreventLoanScams.org or by calling 888-995-HOPE;888-995-4673.We offer loan modification assistance free of charge(i.e.,no modification fee required).Please call us immediately at 866-550-5705 to discuss your options.The longer you delay,the fewer options you may have. We are attempting to collect a debt,and any information obtained will be used for that purpose. If you are represented by an attorney,please refer this letter to your attorney and provide us with the attorney's name,address and telephone number. To the extent your original obligation was discharged,or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code,this notice is for compliance and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation.However,a secured party retains rights under its security instrument,including the right to foreclose its lien. BR840 Certified Article 4:9214 8901 0754 4634 4258 99 Art iiii,~?'W?tant.rr1esc;.=1-�-e fr�Cl3�'?r Ft., al Tnade.,-orrirnission Facing foreclosure? Stammers are targeting people having trouble paying their mortgages. Some claim to be able to"rescue" homeowners from foreclosures, while others promise loan modifications — for a fee. The Federal Trade Commission, the nation's consumer protection agency,wants you to know how to avoid scams that could make your housing situation go from bad to worse. Don't Get Hit by a Pitch. Imitations = Frustrations. "We can stop your foreclosure!" Some con artists use names,phone numbers, 1197%success rate!" and websites to make it look like they're part "Guaranteed to save your home!" of the government.If you want to contact a These kinds of claims are the tell-tale signs of government agency,type the web address a foreclosure rip-off. Steer clear of anyone directly into your browser and look up any who offers an easy out. address you aren't sure about. Use phone numbers listed on agency websites or in other Don't Pay for a Promise. reliable sources,like the Blue Pages in your Don't pay any business, organization,or phone directory. Don't click on links or open person who promises to prevent foreclosure or any attachments in unexpected emails. get you a new mortgage. These so-called "foreclosure rescue companies"claim they Talk to a HUD-Certified Counseling can help save your home,but they're out to Agency - For Free. make a quick buck. Some may request hefty If you're having trouble paying your mortgage fees in advance—and then stop returning your or you've already gotten a delinquency notice, calls. Others may string you along before free help is a phone call away. Call 1-888-995 disclosing their charges. Cut off all dealings if -HOPE for free personalized advice from someone insists on a fee. housing counseling agencies certified by the U.S.Department of Housing and Urban Send Payments Directly. Development(HUD). This national hotline— Some stammers offer to handle financial open 24/7—is operated by the arrangements for you,but then just pocket Homeownership Preservation Foundation,a your payment. Send your mortgage payments nonprofit member of the HOPE NOW ONLY to your mortgage servicer. Alliance of mortgage industry members and HUD-certified counseling agencies. For free Don't Pay for a Second Opinion. guidance online,visit www.hopenow.com. Have you applied for a loan modification and For free information on the President's plan to been turned down?Never pay for a"second help homeowners,visit opinion." www.makinghomeaffordable.gov. Ffideral Tracle.. rrimissicri:.. rtc.gciv/�4eliPyMatters Certified Article 0;9214 8901 0754 4634 4258 99 022046-4 of 4 NSPOHOLA-CA J0514768 0000000 Call 1 -888-995-HOPE for free personalized guidance from housing counseling agencies certified by the U.S. Department of Housing and Urban Development. The Homeowner's HOPETM Hotline - open 24/7 - is operated by the Homeownership Preservation Foundation, a nonprofit member of the HOPE NOW Alliance of mortgage industry members and HUD-certified counseling agencies. Or visit www . hopenow- com For free information on the President's plan to help homeowners, visit www. makinghomeaffordable . gov homeaffordable . gov "'ME Certified Article M:9214 8901 0754 4634 4258 99 P.O.Box 183205 Columbus,OH 43218 USPS CERTIFIED MAIL Tm For Undeliverable Mail Only 9214 8901 0754 4637 8530 26 007160-1 of4 NSPOHDLA-CA/2154270 0000000 KARRI HUFFMAN 4019 N BENNINGTON AVE APT 101 KANSAS CITY MO 64117-2974 Chase(OH4-7399) CHASE !i P.O.Box 183205 Columbus,OH 43218 For Undeliverable Mail Only 06/17/2014 007158-1 o13 NSPOHDLA-ZA J2154270 0000000 KARRI HUFFMAN 4019 N BENNINGTON AVE APT 101 KANSAS CITY,MO 64117-2974 NOTICE OF INTENT TO FORECLOSE MORTGAGE Account: Property Address: q"PW" MECHANICSBURG,PA 17050(the"Property") Dear KARRI HUFFMAN: Under the terms of the Mortgage or Deed of Trust("Security Instrument")securing your Loan,JPMorgan Chase Bank,N.A.("Chase"),as servicer of your loan,hereby notifies you of the following: 1. You are in default because you have failed to pay the required monthly installments commencing with the payment due 01/01/2014 for the mortgage held by JPMorgan Chase Bank,National Association. 2. As of 06/17/2014,total monthly payments(including principal,interest,and escrow if applicable),late fees,insufficient funds(NSF)fees,and other fees and advances due under the terms of your loan documents in the total amount of$7,718.14 are past due.This past-due amount is itemized below.If applicable,your account may have additional escrow amounts that have been paid out and are due on the Loan. 3. If you have any questions about the amounts detailed below,please contact us as soon as possible at 800-848-9380. Total Monthly Payments $7,616.58 Late Fees $101.56 NSF Fees $0.00 Other Fees and Advances* $0.00 Advances* $0.00 Amount Held in Suspense $0.00 *Other Fees and Advances include those amounts assessed in accordance with your loan documents, and/or permitted by applicable law, or that were authorized for services rendered.If you need additional information regarding any of these amounts,please contact us at the number provided below. You are also responsible for paying any amounts that become due from the date of this letter through the expiration date of 07/20/2014 set forth in Paragraph 4 below. These amounts may include,but are not limited to,taxes,insurance,inspection fees and other fees,as permitted by applicable law. If you have any reason to dispute the past-due amount listed above,or if you believe your Loan is current,please contact us at the number provided below. 4. If you are unable to pay your account current within 33 days,we intend to exercise our right to accelerate the mortgage payments.This means that whatever is owed 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 33 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 33-day period,you will not be required to pay attorney's fees. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. 5. You have the right to cure the default,or anyone acting on your behalf,and pay your account current anytime at least one hour prior to the commencement of bidding at a sheriff's sale or other judicial sale,not more than three times in any calendar year.To do so,you must: a) Pay or tender in the form of cash,cashier's check or certified check all sums that would have been due at the time of payment or tender in the absence of default and the exercise of acceleration; b) Perform any other obligation which you would have been bound to perform in the absence of default or the exercise of acceleration; c) Pay or tender any reasonable attorney's fees the reasonable costs of proceeding to foreclosure that were actually incurred up to and including the date the debtor cures the default,as specified in writing by the mortgagee; d) Pay any reasonable late penalty,if outlined in the mortgage. Action required to cure the default:You must pay the Total Monthly Payments listed in Paragraph 2 within 33 days from the date of this notice in order to cure this default. All late fees, NSF fees,and other fees and advances are still valid and will need to be repaid under the terms of your loan documents. 6. If you fail to cure the default on or before 07/20/2014,Chase may accelerate the maturity of the Loan,declare all sums secured by the Security Instrument immediately due and payable,and commence foreclosure by judicial proceeding and sale of the Property.If this happens,Chase will be entitled to collect its expenses incurred in pursuing the remedies provided in the Security Instrument,which may include,but not be limited to,allowable foreclosure/attorney fees and other expenses permitted by your loan documents or applicable law. 7. If permitted by your loan documents or applicable law,you have the right to reinstate after acceleration of the Loan and the right to bring a court action to assert the nonexistence of a default or any other defense to acceleration,foreclosure,and sale.However,the amount required to reinstate may be higher than what is owed under Paragraph 2 above due to additional fees and charges that we are entitled to collect under the Loan,including attorney fees,if permitted by law, related to any foreclosure action we initiate. 8. Kindly remit the total amount due,shown in Paragraph 2 above,to the remittance address listed below.Please note that Chase policy requires certified funds if two insufficient funds(NSF) payments have been received in the last six months.In this event,Chase will not accept a Direct Check,FastPay or SpeedPay payment.Payments cannot be made at Chase retail bank branches. Please refer to the addresses below for payment information or contact us if you have any questions. Regular Mail: CHASE PO BOX 78420 PHOENIX,AZ 85062-8420 Overnight Mail: CHASE PO BOX 78420 1820 EAST SKY HARBOR CIRCLE SOUTH PHOENIX,AZ 85034-9700 Except as required by law,we are under no obligation to accept less than the full amount owed. If you send us less than the full amount owed,we may in our sole discretion apply such partial payment to your Loan without waiving any default or waiving our right to accelerate the Loan and continue with foreclosure proceedings in accordance with Paragraph 4 above. 9. If you are unable to pay the amount past due,Chase has a variety of homeowners'assistance programs that might help you resolve your default and keep your home;however,we need to talk with you to discuss these options and determine which of them might be appropriate for your circumstances.Please call us as soon as possible at 800-848-9380. 10. While the Loan remains in default,we will perform certain tasks to protect our interest in the Property,including visits to your Property at regular intervals during the default.This will be done to determine,as of the date of the inspection the property condition,occupancy status,and,possibly, your plans for curing the default and paying this Loan on time. You should anticipate that any costs incurred by Chase will be added to the amount you now owe if permitted by your loan documents or applicable law. 11. 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 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 may exist.You have the right to have this default cured by any third party acting on your behalf. Chase offers homeownership counseling services to borrowers in some areas.Counseling is also available through a variety of nonprofit organizations experienced in homeownership counseling and approved by the Secretary of Housing and Urban Development(HUD).A listing of such organizations may be obtained by calling HUD toll-free at 800-569-4287 or at www.hud.gov. Sincerely, Chase 800-848-9380 800-582-0542 TDD/Text Telephone www.chase.com Enclosure -Federal Trade Commission Pamphlet 007158-2 of 3 NSPOHDLA-ZA J2154270 0000000 IMPORTANT NOTICE TO SERVICEMEMBERS AND THEIR DEPENDENTS If you are or recently were on active duty or active service,you may be eligible for benefits and protections under the federal Servicemembers Civil Relief Act(SCRA).This includes protection from foreclosure or eviction.You may also be eligible for benefits and protections under state law.SCRA and state military benefits and protections also may be available if you are the dependent of an eligible servicemember. Eligible service may include: • Active duty with the Army,Navy,Air Force,Marine Corps,or Coast Guard,or • Active service as a commissioned officer of the National Oceanic and Atmospheric Administration,or • Active service as a commissioned officer of the Public Health Service,or • Service with the forces of a nation with which the United States is allied in a war or military action,or • Service with the National Guard of a state militia under a state call of duty,or • Any period when you are absent from duty because of sickness,wounds,leave,or other lawful cause. For more information,please call Chase Military Services at 866-840-5826. An important reminder for all our customers: As stated in the"Questions and Answers for Borrowers about the Homeowner Affordability and Stability Plan"distributed by the Obama Administration,"Borrowers should beware of any organization that attempts to charge a fee for housing counseling or modification of a delinquent loan,especially if they require a fee in advance." Loan modification scams should be reported to PreventLoanScams.org or by calling 888-995-HOPE;888-995-4673.We offer loan modification assistance free of charge(i.e.,no modification fee required).Please call us immediately at 866-550-5705 to discuss your options.The longer you delay,the fewer options you may have. We are attempting to collect a debt,and any information obtained will be used for that purpose. If you are represented by an attorney,please refer this letter to your attorney and provide us with the attorney's name,address and telephone number. To the extent your original obligation was discharged,or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code,this notice is for compliance and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation.However,a secured party retains rights under its security instrument,including the right to foreclose its lien. BR840 Ali it "Port OM f0 FC: �erla !" e Ertl'MW i Facing foreclosure? Stammers are targeting people having trouble paying their mortgages. Some claim to be able to"rescue"homeowners from foreclosures, while others promise loan modifications — for a fee. The Federal Trade Commission, the nation's consumer protection agency,wants you to know how to avoid scams that could make your housing situation go from bad to worse. Don't Get Hit by a Pitch. Imitations = Frustrations. We cart stop your.foreclosure!" Some con artists use names,phone numbers, "97%success rate!" and websites to make it look like they're part "Guaranteed to sable your homel" of the government. If you want to contact a -These kinds of claims are the tell-tale signs of government agency, type the web address a foreclosure rip-off. Steer clear of anyone directly into your browser and look up any who offers an easy out. address you aren't sure about. Use phone numbers listed on agency websites or in other. Don't Pay for a Promise. reliable sources, like the Blue Pages in your Don't pay any business, organization, or phone directory. Don't click on links or open person who promises to prevent foreclosure or any attachments in unexpected emails. get you a new mortgage. These so-called "foreclosure rescue companies"claim they Talk to a HUD-Certified Counseling can help save your home,but they're out to Agency - For Free. make a quick buck. Some may request hefty If you're having trouble paying your mortgage fees in advance—and then stop returning your or you've already gotten a delinquency notice, calls. Others may string you along before free help is a phone call away. Call 1-888-995 disclosing their charges. Cut off all dealings if -HOPE for free personalized advice from someone insists on a fee. housing counseling agencies certified by the U.S. Department of Housing and Urban Send Payments Directly. Development(HUD). This national hotline— Some stammers offer to handle financial open 24/7—is operated by the arrangements for you, but then just pocket Homeownership Preservation Foundation,a your payment. Send your mortgage payments nonprofit member of the HOPE NOW ONLY to your mortgage servicer. Alliance of mortgage industry members and HUD-certified counseling agencies. For free Don't Pay for a Second Opinion. guidance online,visit www.hopenow.com. Have you applied for a loan modification and For free information on the President's plan to been turned down?Never pay for a"second help homeowners, visit opinion." www.makinghomeaffordable.gov. ederaf Trade G. nrnusiorr.:. F# "ftc.gge/1,Me' A' 007168-3 of 3 NSPOHOLA-7A J2154270 0000000 Y •J Call 1 -888-995-HOPE for free personalized guidance from housing counseling agencies certified by the U.S. Department of Housing and Urban Development. The Homeowner's HOPETM Hotline - open 24/7 - is operated by the Homeownership Preservation Foundation, a nonprofit member of the HOPE NOW Alliance of mortgage industry members and HUD-certified counseling agencies. Or visit www . hopenow . com For free information on the President's plan to help homeowners, visit www. making homeaffordable - gov . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . i 0 RE ROW . .. .. .�.Supx�a�r&vi4��nee iat rti•:ti>;uwtier '... ... ..... .... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Pennsylvania Verification Paul Burrier , hereby states that he/she is Vice President of JPMorgan Chase Bank, N.A. the Plaintiff in this matter, and is authorized to make this Verification. The statements of fact contained in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of my information, and belief. I understand that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. Po-� Paul Burrier Vice President Date: 06/27/14 JPMorgan Chase Bank,N.A Borrower: HUFFMAN, KARRI Property Address: 4807 VIRGINIA RD MECHANICSBURG PA 17050 County: CUMBERLAND Last Four of Loan Number:3023 1 FORM 1 IN THE COURT OF COMMON PLEAS OF JPMorgan Chase Bank,National Association CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff(s) VS. Karri Huffman 4019 North Bennington Avenue 4 ' � Apt 101 71 Kansas City, MO 64117 ` David Huffman ' y 4807 Virginia Road Mechanicsburg, PA 17050 V , CD CD DEFENDANTS Defendant(s) Civil NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in a court-supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer,you must take the following steps to be eligible for a conciliation conference.First, within twenty (20) days of your receipt of this notice, you must contact MidPenn Legal Services at(717)243-9400 extension 251.0 or(800) 822-5288 extension 2510 and request appointment of a legal representative at no charge to you. Once you have been appointed a legal representative, you must promptly meet with that legal representative within twenty(20)days of the appointment date. During that meeting,you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty(60)days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled,you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer,you and your lawyer must take the following steps to be eligible for a conciliation conference.It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However,you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto,your lawyer will prepare and file a Request for Conciliation Conference with the Court,which must be filed with the Court within sixty(60) days of the service upon you of the foreclosure complaint.If you do so and a conciliation conference is scheduled,you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME,YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE.THIS PROGRAM IS FREE. Respectfully submitted: SHAPIRO&DeNARDO,LLC Date Attorn 'aintiff }r >t d.17523(3amE,ESQUIRE 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: CUSTOMER/PRIMARY Borrower name(s): Property Address: City: State: Zip: Is the property for sale? Yes No Listing Date: Price:$ Realtor Name: Realtor Phone: Borrower Occupied? Yes No Mailing Address (if different): City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household How Long? CO-BORROWER Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people in household How Long? FINANCIAL • • First Mortgage Lender: Type of Loan: Loan Number: Date You Closed Your Loan: Second Mortgage Lender: Type of Loan: Loan Number: Total Mortgage Payments Amount:$ Included Taxes & Insurance: Date of Last Payment: Primary Reason for Default: Is the Loan in Bankruptcy? Yes No If yes, provide names, location of court, case number& attorney Assets Amount Owed Value Home: $ $ Other Real Estate: $ $ Retirement Funds: $ $ Investments: $ $ Checking: $ $ Savings: $ $ Other: $ $ Automobile#1: Model: Year: Amount Owed: Value: Automobile #2: Model: Year: Amount Owed: Value: Other transportation (automobiles boats motorcycles): Model: Year: Amount Owed: Value: Monthly Income: Name of Employers: 1. 2. 3. Additional Income Description (not wages): 1. monthly amount: 2. monthly amount: Borrower Pay Days: Co-Borrower Pay Days: Monthly Ex enses: Please onlv include ex enses you are currentl a in EXPENSE AMOUNT EXPENSE AMOUNT Mortage Food 2"d Mortgage Utilities Car Payment(s) Condo/Neigh. Fees Auto Insurance Med. (not covered Auto fuel/repairs Other prop. Payment Install. Loan Payment Cable TV Child Su ort/Alim. Spending Money Day/Child Care/Tuft. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income & Expenses: Have you been working with a Housing Counseling Agency? Yes No If yes, please provide the following information: Counseling Agency: Counselor: Phone (Office): Fax: 2 Email: Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance? Yes No If yes,please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? Yes No If yes,please indicate the status of those negotiations: Please provide the following information, if know, regarding your lender or lender's loan servicing company: Lender's Contact(Name): Phone: Servicing Company (Name): Contact: Phone: AU'l-HORIZATION I/We, , authorize the above named to use/refer this information to my lender/servicer for the sole purpose of evaluating m financial situation for possible mortgage options. I/We understand that I/We am/are under no obligation to use the services provided by the above named Borrower Signature Date Co-Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: Proof of income Past 2 bank statements Proof of any expected income for the last 45 days Copy of a current utility bill Letter explaining reason for delinquency and any supporting documentation (hardship letter) Listing agreement (if property is currently on the market) FORM 3 IN THE COURT OF COMMON PLEAS OF JPMorgan Chase Bank,National Association CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff(s) vs. Karri Huffman 4019 North Bennington Avenue Apt 101 Kansas City, MO 64117 David Huffman 4807 Virginia Road Mechanicsburg, PA 17050 DEFENDANTS Defendant(s) Civil REQUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order dated , 2012 governing the Cumberland County Residential Mortgage Foreclosure Diversion Program, the undersigned hereby certifies as follows: 1. Defendant is the owner of the real property which is the subject of this mortgage foreclosure action; 2. Defendant lives in the subject real property, which is defendant's primary residence; 3. Defendant has been served with a"Notice of Residential Mortgage Foreclosure Diversion Program" and has taken all of the steps required in that Notice to be eligible to participate in a court-supervised conciliation conference. The undersigned verifies that the statements made herein are true and correct. I understand that false statements are made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. Signature of Defendant's Counsel/Appointed, Date Legal Representative Signature of Defendant Date Signature of Defendant Date Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY OF F 1L -OFF 1 i I Ht•. PRO I HONG iA [ el' 2014 JUL 31 0110: 37 CUMBERLAND COUNTY oFFIctioFThEfimmrp PENNSYLVANIA JPMorgan Chase Bank, N.A. vs. Karri J Huffman (et al.) Case Number 2014-4057 SHERIFF'S RETURN OF SERVICE 07/15/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Occupant, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Found" at 4807 Virginia Road, Hampden Township, Mechanicsburg, PA 17050. Residence is vacant. 07/21/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Karri J Huffman, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Found" at 4807 Virginia Road, Hampden Township, Mechanicsburg, PA 17050. Residence is vancant and per the Mechanicsburg Postmaster the defendant is now residing at 4019 N. Bennington Aveue, Apt. 101, Kansas, MO 64117. 07/21/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: David Miles Huffman, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Found" at 4807 Virginia Road, Hampden Township, Mechanicsburg, PA 17050. residence is vacant and per the Mechanicsburg Postmaster the defendant is now residing at 395 Oak Grove Road, Danville, PA 17821. SHERIFF COST: $81.30 SO ANSWERS, July 21, 2014 (c) CountySuite Sheritf, Tele_osoft, Inc. SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 14-045952 JPMorgan Chase Bank, National Association PLAINTIFF VS. Karri Huffman and David Huffman DEFENDANTS LC) -I o- f COURT OF COMMON PLEAS 'Q CIVIL DIVISION CUMBERLAND COUNTY NO: 14-4057 PRAECIPE FOR REINSTATEMENT TO THE PROTHONOTARY: Kindly reinstate the Complaint in the above -captioned matter. Date: BY: SHAPIRO & DeNARDO, LLC M. DONNELLY, ESQUIRE Attorneys for Plaintiff cov,t_.11,--xpJ06 p_g-sp9L-049 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND AND ` ""� "ONO � ;. �|uT� Dili�_� �i 2: 32 __ ND �Uno!`L''— �N\� Opncso+neawsq� PENHSTLY^'' JPMorgan Chase BankN.A. vs. Karri J Huffman (et al.) Case Number 2014-4057 SHERIFF'S RETURN OF SERVICE 08X06C2014 Sheriff RonR Anderson, being duly sworn according to law, states he made diligensearch and inquiry for the within named Defendant to wit: David Miles Huffman, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Montour, Pennsylvania to serve the within Complaint in Mortgage Foreclosure according to law. 09/03/2014 09:28 AM - The requested Complaint in Mortgage Foreclosure served by the Sheriff of Montour County upon David Miles Huffman, personally, at Montour County Sheriffs Office, 29 Mill Stnaet, DonvU\e, PA 17821. Ray Gerringer, Sheriff, Return of Service attached to and made part of the within record. SHERIFF COST: $37.00 SO ANSWERS, September 03, 2014 RDNNYRANDERSON, SHERIFF SHERIFF'S OFFICE MONTOUR COUNTY, COMMONWEALTH OF PENNA. 29 MILL STREET, DANVILLE, PA 17821 (570) 271-3020 4057-14 (C) .xls SHERIFF'S SERVICE PROCESS RECEIPT, AND AFFIDAVIT OF RETURN 1. Plaintiff(s) JP MORGAN CHASE BANK NA 2. Docket Number / County 4057-14 0 CIJMBERLAND 2. Defendant(s) KARRI HUFFMAN DAVID HUFFMAN SERVE AT 5, Name 6. Address DAVID HUFFMAN 395 OAK GROVE ROAD DANVILLE, PA. 17821 4. Type of Writ or Complaint NOTICE & COMPLAINT MORTGAGE FORECLOSURE 7. Indicate unusual service: [1 Reg. Mail 11 Cert. Mail Now, the Sheriff of County to execute this Writ and make return thereof according to law. This deputation being made at the request and risk of the plaintiff. 11 Deputize n Other 2014, I Sheriff of MONTOUR COUNTY, PENNSYLVANIA, do hereby deputize Sheriff of Montour County 8. SPECIAL INSTRUCTION OR OTHER INFORMATION THAT WILL ASSIST IN EXPEDITING SERVICE 9. Name and Address of Attorney/Originator SHIPIRO & DENARDO, LLC 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA. 19406' ' 10. Telephone Number 11. Date 12. Signature SPACE BELOW FOR USE OF SHERIFF ONLY - DO NOT WRITE BELOW THIS LINE Serving Deputy: Shane M Craig- ' - .- - :., ' - Date Filed, . , _ 7/11/2014 , - Expiration _. _ . 16. Served August August County of - Remarks: Attempts: Date: Mileage: and made known to , r- r .2014, at . Montour Commonwealth [X] Defendant personally [J Adult family [] Agent of person [J Other Divid•Huffman - , on the 22nd , day of. 9:28 AM , at Sheriff's Office, 29 Mill St., Danville, PA 1782.1' of Pennsylvania, in the manner described below: served. . member with whom said Defendant resides. Relationship is . c= in charge of Defendant's office or usual place of business .4- 2110 CI NJ CO -i• IV '- c) r ---n zi-ra---- zr P3rri c) cD 'V -*Imo =c,c, r, c•-1 -ri ....< >F5,.,_ mfr.' Advance '$75.00' Docket $9.00 Service .. $9.00 Mileage $8,0 Affidavit $2.50 Notary $5.00 Surchrg. $0.00 - Misc. . $2.50 Total ' $36.00 Refund ' ' $39.00 Sworn an Subscribed to before me this°, Day of q Li-D7L- So Answer _ ., . ,. _ . , 2014. Signature of Deputy Sheriff .,. . Ai 0I..I 1_0( 0 . i 0 ) _ ,ew NotaryPublic .QJe- Sheriff , ,-----. ,- / — COUNTY Prothonotary [ Susan M. Kauwe MONTOUR COUNTY I SHERIFF OF MONTOUR My Commission Expires • • _I..r•f1-1 235 SOUTH 13TH STREET PHILADELPHIA, PA 19107 PHONE: (215) 546-7400 FAX: (215) 985-0169 JPMorgan Chase Bank, National Association -vs- Karri Huffman and David Huffman COMMONWEALTH OF PENNSYLVANIA: COUNTY OF PHILADELPHIA: National Association of Professional Process Servers Philadelphia Association of Professional Process Servers COURT Court of Common Pleas of Pennsylvania COUNTY Cumberland County CASE NUMBER 14-4057 AFFIDAVIT OF SERVICE B&R Control # CS116589 - 1 Reference Number 14-045952 SERVICE INFORMATION On 6 day of August, 2014 we received the Mortgage Foreclosure Complaint for service upon Karri Huffman at 4019 N. Bennington Avenue, Apt. 101 Kansas, MO 64117 C *** Special Instructions *** j5k.Served Date ",r1 • c9019rime• •. 1 S ° - ' Accepted By: In the manner described below. Personally served. Adult family member. Relationship is k arr.; Adult in charge of residence who refused to give name and/or relationship. Manager/Clerk of place of residence lodging Agent or person in charge of office or usual place of business Other L. ril= Description of Person Age 5 0 S Height C if Weight 1(1 011,3 Race if/k; k Sex FettlaiLe Other el./M.de Not Served Date Time Not Served Information ri Moved Unknown I I No Answer Vacant LI Other The Process Server, being duly sworn, deposes and says that the facts set forth herein are true and correct to the best of their knowledge, information and belief. Process Server/Sheriff Law Firm Phone (610)278-6800 Fo Christopher A. DeNardo, Esquire Shapiro and DeNardo LLC 3600 Horizon Drive Suite 150 King of Prussia, PA 19406 Sworn to and subscribed before me this ServeBy Date 91112014 Filed Date 7/1j70104-.; DELYNNA K. SIEGEL My Commission Ey,pires February 14, 2015 Clay County Commission #11004675 ORIGINAL 218DB SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 LEEANE O. HUGGINS, ATTORNEY I.D. NO. 85144 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 14-045952 JPMorgan Chase Bank, National Association PLAINTIFF VS. Karri Huffman and David Huffman DEFENDANTS OF 7 if s PRO itsgit! SEt,�i �i�;f. NO. 78447 SEP 26 ; j IC: / COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:14-4057 PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES Enter Judgment IN REM in the amount of $172,335.19 in favor of the Plaintiff and against the Defendants, jointly and severally, for failure to file an answer to Plaintiffs Complaint in Mortgage Foreclosure within 20 days from service thereof and assess Plaintiffs damages as follows and calculated as stated in the Complaint: Principal of Mortgage Debt Due and Unpaid Interest Accrued Late Charges Escrow Advances Property Inspection Attorney Fees & Costs of Foreclosure TOTAL BY: 4.5 oskorne Attorney for Plaintiff rij) tiff an• • ains .,• m e D- - ants and $161,947.43 $6,680.34 $101.56 $1,777.86 $42.00 $1,786.00 $172,335.19 AND NOW, judgment is entered in favor of the damages are assessed as above in the sum of $172,335. 14-045952 16, Sb j cla ti) 0J:141'4634(06i Visst SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 LEEANE 0. HUGGINS, ATTORNEY I.D. NO. 85144 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 14-045952 JPMorgan Chase Bank, National Association COURT OF COMMON PLEAS 3415 Vision Drive CUMBERLAND COUNTY Columbus, OH 43219 PLAINTIFF 14-4057 VS. Karri Huffman and David Huffman DEFENDANT(S) STATE OF: Pennsylvania COUNTY OF: Montgomery AFFIDAVIT OF NON-MILITARY SERVICE THE UNDERSIGNED being duly sworn, states that he/she is over the age of eighteen years and competent to make this affidavit and the following averments are based upon information contained in the records of the Plaintiff or servicing agent of the Plaintiff and that the above captioned Defendants last known address is as set forth in the caption and they are not to the best of our knowledge, information or belief, in the Military or Naval Service of the United States of America or its Allies as defined in the Soldiers and Sailors Civil Relief Act of 1940, as amended. Date: 'MN Sworn to and subscribed before me this day BY: SHAPIRO & DeNARDO, LLC COMMON eys for P ainti Crn-e- LTI-1 OF PENNSYLVANIA Notarial Seal Jennifer M. Sharkey, Notary Public Upper Merlon Twp., Montgomery County My Commission Expires Oct. 19, 2014 n of Notaries Member. Pennsylvania ASSOCiati Department of Defense Manpower Data Center Status Report Pursuant to Ser cemembers Civil. Relief Act Last Name: HUFFMAN First Name: KARRI Middle Name: Active Duty Status As Of: Sep -25-2014 Results as of: Sep -25-2014 05:03:52 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 reflect; the individual; 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 - • 4—, - - -..... . NA --... - NA This response reflects where the individual left active duty status within 367'days preceding the, Active Duty Status Date The Member or His/Her Unit Was Notified of a Futu e Call -Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA t NA k " 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 (Arrnje, 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 p 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: ZD3BDD6AZODF270 ° f Department of Defense Manpower Data Center Status Report Pursuant to Servicer nermbers Civil Relief Act Last Name: HUFFMAN First Name: DAVID Middle Name: Active Duty Status As Of: Sep -25-2014 Results as of : Sep -25-2014 05:04;07 AM SCRA 3.0 On Active Duty On Active Duty Status Dale Active Duty Start Date Active Duty End Date Status Service Component NA NA - _ - _ No ' NA This response reflects the Individuals' active duty status based on the Active Duly Status Date . t t Left Active Duty Within 367 Da s of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA ',.- '' - No "' i NA This response reflects where the individual left active dui; s acus withln567 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Future Call -Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA . NA . - No° NA This response reflects whether the individual or his/her unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or hisfhher 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 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 (NOM 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: GD7E1DOAEODFWBO SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO. 311403 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 14-045952 JPMorgan Chase Bank, National Association COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY VS. NO: 14-4057 Karri Huffman and David Huffman DEFENDANTS CERTIFICATION OF MAILING NOTICE UNDER RULE 237.1 The undersigned hereby certifies that a Written Notice of Intention to File a Praecipe for the Entry of Default Judgment was mailed to the defendant (s) and to his, her, their attorney of record, if any, after the default occurred and at least (10) days prior to the date of the filing of the Praecipe. Said Notice was sent on the date set forth in the copy of said Notice attached hereto, September 12, 2014 to the following Defendants: Karri Huffman, 4019 N. Bennington Avenue, Apt 101, Kansas City, MO 64117 David Huffman, 395 Oak Grove Road, Danville, PA 17821 heresa Besl , Legal Assistant to Christopher A. DeNardo, Esquire for Shapiro & DeNardo, LLC SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO.311403 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 14-045952 JPMorgan Chase Bank, National Association COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY VS. NO: 14-4057 Karri Huffman and David Huffman DEFENDANTS NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. 237.1 IMPORTANT NOTICE TO: Karri Huffman DATE OF NOTICE: September 12, 2014 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. (4/ NOTIFICACION IMPORTANTE Usted se encuentra en estado de rebeldia por no haber tornado Ia accion requirida de su parte en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dias de Ia fecha de esta notificacion, el tribuna podra, sin necesidad de compararecer usted in code o escuchar preuba alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos importantes. Debe llevar esta notificacion a un abogado immediatamente. Si usted no tiene abogado o si no tiene dinero suficiente para tal servicio, vaya en persona o llame por telefono a la oficina cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Karri Huffman, 4019 N. Bennington Avenue, Apt 101, Kansas City, MO 64117 David Huffman, 395 Oak Grove Road, Danville, PA 17821 Date BY: SHAPIRO & DeNARDO, LLC eys for laintif cArnx1/41/4. DONNFLLY, E } SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 CAITLIN M. DONNELLY, ESQUIRE, ATTORNEY I.D. NO.311403 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 14-045952 JPMorgan Chase Bank, National Association COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION CUMBERLAND COUNTY VS. NO: 14-4057 Karri Huffman and David Huffman DEFENDANTS NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. 237.1 IMPORTANT NOTICE TO: David Huffman DATE OF NOTICE: September 12, 2014 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTIFICACION IMPORTANTE Usted se encuentra en estado de rebeldia por no haber tornado la accion requirida de su parte en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dias de la fecha de esta notificacion, el tribuna podra, sin necesidad de compararecer usted in corte o escuchar preuba alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos importantes. Debe llevar esta notificacion a un abogado imrnediatamente. Si usted no tiene abogado o si no tiene dinero suficiente para tal servicio, vaya en persona o llame por telefono a la oficina cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE, PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Karri Huffman, 4019 N. Bennington Avenue, Apt 101, Kansas City, MO 64117 David Huffman, 395 Oak Grove Road, Danville, PA 17821 Date: qi - BY: PIRO & DeNARDO, LLC CAITLIN M. DONNELLY, E neys for Pl, in SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 LEEANE O. HUGGINS, ATTORNEY I.D. NO. 85144 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 14-045952 JPMorgan Chase Bank, National Association COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Karri Huffman and David Huffman DEFENDANTS NO:14-4057 CERTIFICATE OF SERVICE I, Bradley J Osborne, Attorney for the Plaintiff, hereby certify that I have served by first class mail, postage prepaid, true and correct copies of the attached papers upon the following person(s) or their attorney of record: Karri Huffman, 4019 N. Bennington Avenue, Apt 101, Kansas City, MO 64117 David Huffman, 395 Oak Grove Road, Danville, PA 17821 Date Mailed: Date: BY: SHAPIRO & DeNARDO, LLC ys for Plaintiff SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 LEEANE 0. HUGGINS, ATTORNEY I.D. NO. 85144 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 14-045952 JPMorgan Chase Bank, National Association COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Karri Huffman and David Huffman DEFENDANTS NO:14-4057 CERTIFICATION OF ADDRESS I hereby certify that the correct address of the judgment creditor (Plaintiff) is: JPMorgan Chase Bank, National Association 3415 Vision Drive Columbus, OH 43219 and that the last known addresses of the judgment debtors (Defendants) are: Karri Huffman 4019 N. Bennington Avenue Apt 101 Kansas City, MO 64117 David Huffman 395 Oak Grove Road Danville, PA 17821 Date: 14-045952 Wig BY: SHAPIRO & DeNARDO, LLC At eys for Plaintiff OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Clerk Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 David D. Buell Prothonotary TO: Karri Huffman 4019 N. Bennington Avenue Apt 101 Kansas City, MO 64117 JPMorgan Chase Bank, National Association PLAINTIFF VS. Karri Huffman and David Huffman DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY CASE NO. 14-4057 NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. David D. Buell Prothonotary [XX] Judgment by Default [ ] Judgment for Possession [ ] Judgment on Award of Arbitration [ ] Judgment on Verdict [ ] Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY BRADLEY J OSBORNE AT (610)278-6800. OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Clerk Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 David D. Buell Prothonotary TO: David Huffman 395 Oak Grove Road Danville, PA 17821 JPMorgan Chase Bank, National Association PLAINTIFF VS. Karri Huffman and David Huffman DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY CASE NO. 14-4057 NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. David D. Buell Prothonotary [XX] Judgment by Default [ ] Judgment for Possession [ ] Judgment on Award of Arbitration [ ] Judgment on Verdict [ ] Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY BRADLEY J OSBORNE AT (610)278-6800. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION Caption: JPMorgan Chase Bank, National Association PLAINTIFF vs. Karri Huffman and David Huffman DEFENDANT(S) TO THE PROTHONOTARY OF THE SAID COURT: () Confessed Judgment () Other ! , File No. 1-7-.11) Amount Due $172,335.19 Interest September 1, 2014 to March 4 `r 2015 is $4,804.08 �-�• At 's Comm �' sn tYv -o� Costs c -T7 37 " L The undersigned hereby certifies that the below does not arise out of a retail installment safe, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon the following described property of the defendant(s) See attached Legal Description PRAECIPE FOR ATTACHEMENT EXECUTION Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s). (Indicate) Index this writ against the garnishee(s) as a lis pendens against real estate of the defendant(s) described in the attached exhibit. Date: q' d J/✓ (1 Cad56pda k`g . gc bg.F S(1 (Le•© tt It T)g.86 Signature: Print Name: y J Osborne Address: .1 Horizon Drive, Suite 150 King of Prussia, PA 19406 Attorney for: Plaintiff Supreme Court ID # PA Bar # 312169 161.Sou- C k.ii-/uoaiq v., bt -51/L01 TRACT NO. 1: ALL THAT CERTAIN tract or parcel of land situate in Hampden Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows: BEGINNING at a point on the Northern line of Virginia Road, 252.90 feet West of the Northeast corner of the intersection of Virginia Road and Thomas Drive; thence Westwardly along the Northern line of Virginia Road, 70 feet to a point; thence North 5° 38" West, through Lot No. 28, Block "D" on hereinafter mentioned Plan of Lots, 125 feet to a point at the dividing line between Lots Nos. 36 and 20, Block "D" on said Plan; thence North 84° 32" East along same and along the dividing line between Lots No. 35 and 36 with Lot No. 29, Block "D" on said Plan, 70 feet to a point; thence South 5° 28" West, through Lot No. 29, Block "D" on said Plan, 125 feet to a point, the place of beginning. TRACT NO. 2: ALL THAT CERTAIN lot or piece of land situate in Hampden Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING on the Northern line of Virginia Road, 247.90 feet West of the Northwest corner of the intersection of Virginia Road and Thomas Drive, also being at the dividing line between Lots Nos. 29 and 30, Block "D" on hereinafter mentioned Plan of Lots; thence Westwardly along the Northern line of Virginia Road, 5 feet to a point; thence North 05° 28" West, 125 feet to a point at the dividing line between Lots No. 29 and 35, Block "D" on said Plan; thence North 84° 32" East along same, 5 feet to a point at the dividing line between Lots No. 29 and 30, Block "D" on said Plan; thence SOuth 05° 28" East along same, 125 feet to a point, the place of beginning. BEING the Eastern 5 feet of Lot No. 29, Block "D" on Plan of Lots known as Plan No. 4 of Delbrook Manor, said Plan recorded in the Office of the Recorder of Deeds in and for Cumberland COunty in Plan Book 11, page 33. PARCEL No. 10-21-0279-303 BEING the same premises which Real Estate Relief Solutions LLC, a Pennsylvania Corporation, by Deed dated January 4, 2007 and recorded January 26, 2007 in Deed Book 278, page 2822, granted and conveyed unto David Huffman and Karri Huffman, husband and wife. SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 LEEANE O. HUGGINS, ATTORNEY I.D. NO. 85144 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 14-045952 JPMorgan Chase Bank, National Association PLAINTIFF VS. Karri Huffman and David Huffman DEFENDANTS THE 2014 SEP TA26 >; PEf s YLi✓,.i�CQUt i NI Y COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY CASE NO. 14-4057 AFFIDAVIT PURSUANT TO RULE 3129.1 JPMorgan Chase Bank, National Association, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 4807 Virginia Road, Mechanicsburg, PA 17050. 1. Name and address of Owner(s) or Reputed Owner(s) Karri Huffman 4019 N. Bennington Avenue Apt 101 Kansas City, MO 64117 David Huffman 395 Oak Grove Road Danville, PA 17821 2. Name and address of Defendants in the judgment: Karri Huffman 4019 N. Bennington Avenue Apt 101 Kansas City, MO 64117 David Huffman 395 Oak Grove Road Danville, PA 17821 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: JPMorgan Chase Bank, National Association 3415 Vision Drive Columbus, OH 43219 4. Name and address of the last recorded holder of every mortgage of record: JPMorgan Chase Bank, National Association 3415 Vision Drive Columbus, OH 43219 5. Name and address of every other person who has any record lien on the property: PA Department of Revenue Bureau of Compliance P.O. Box 281230 Harrisburg, PA 17128-1230 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT OR OCCUPANT 4807 Virginia Road Mechanicsburg, PA 17050 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or infolination and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. BY: 14-045952 SHAP RO & DeNARDO, LLC SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 BRADLEY J. OSBORNE, ATTORNEY LD. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 LEEANE 0. HUGGINS, ATTORNEY I.D. NO. 85144 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 14-045952 JPMorgan Chase Bank, National Association COURT OF COMMON PLEA,. -r "TT PLAINTIFF CIVIL DIVISION rn IV/ VS. CUMBERLAND COUNTY fa-)- rr-t Karri Hu inan and David Huffman DEFENDANTS - DEFENDANTS NO: 14-4057 Dtr• cp — NOTICE OF SHERIFF'S SALE OF REAL PROPERTY CD CD I 1\:1 TO: Karn Huffman cv 7:- 4019 N. Bennington Avenue Apt 101 Kansas City, MO 641.17 Your house (real estate) at: 4807 Virginia Road, Mechanicsburg, PA 17050 10-21-0279-303 is scheduled to be sold at Sheriffs Sale on March 4, 2015 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:OOAM to enforce the court judgment of $172,335.19 obtained by JPMorgan Chase Bank, National Association against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1 The sale will be cancelled if you pay back to JPMorgan Chase Bank, National Association the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorney's fees due. To find out how much you must pay, you may call: (610)278-6800. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgrnent, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3 You may be able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610)278-6800. 6. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 9. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 10. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 14-045952 TRACT NO. 1: ALL THAT CERTAIN tract or parcel of land situate in Hampden Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows: BEGINNING at a point on the Northern line of Virginia Road, 252.90 feet West of the Northeast corner of the intersection of Virginia Road and Thomas Drive; thence Westwardly along the Northern line of Virginia Road, 70 feet to a point; thence North 5° 38" West, through Lot No. 28, Block "D" on hereinafter mentioned Plan of Lots, 125 feet to a point at the dividing line between Lots Nos. 36 and 20, Block "D" on said Plan; thence North 84° 32" East along same and along the dividing line between Lots No. 35 and 36 with Lot No. 29, Block "D" on said Plan, 70 feet to a point; thence South 5° 28" West, through Lot No. 29, Block "D" on said Plan, 125 feet to a point, the place of beginning. TRACT NO. 2: ALL THAT CERTAIN lot or piece of land situate in Hampden Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING on the Northern line of Virginia Road, 247.90 feet West of the Northwest corner of the intersection of Virginia Road and Thomas Drive, also being at the dividing line between Lots Nos. 29 and 30, Block "D" on hereinafter mentioned Plan of Lots; thence Westwardly along the Northern line of Virginia Road, 5 feet to a point; thence North 05° 28" West, 125 feet to a point at the dividing line between Lots No. 29 and 35, Block "D" on said Plan; thence North 84° 32" East along same, 5 feet to a point at the dividing line between Lots No. 29 and 30, Block "D" on said Plan; thence SOuth 05° 28" East along same, 125 feet to a point, the place of beginning. BEING the Eastern 5 feet of Lot No. 29, Block "D" on Plan of Lots known as Plan No. 4 of Delbrook Manor, said Plan recorded in the Office of the Recorder of Deeds in and for Cumberland COunty in Plan Book 11, page 33. PARCEL No. 10-21-0279-303 BEING the same premises which Real Estate Relief Solutions LLC, a Pennsylvania Corporation, by Deed dated January 4, 2007 and recorded January 26, 2007 in Deed Book 278, page 2822, granted and conveyed unto David Huffman and Karri Huffman, husband and wife. SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY LD, NO. 203437 LEEANE 0. HUGGINS, ATTORNEY I.D. NO. 85144 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S & D FILE NO. 14-045952 JPMorgan Chase Bank, National Association COURT OF COMMON PLEAS PLAINTIFF CIVIL DIVISION VS. CUMBERLAND COUNTY Karri Huffman and David Huffman DEFENDANTS NO: 14-4057 --o rr-1 rrl rrl 1'7'7 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY cn r- r- rr7 TO: David Huffman --- Cr) CD C? 395 Oak Grove Road ).› Danville, PA 17821 (7? Your house (real estate) at: --1 r\) 4807 Virginia Road, Mechanicsburg, PA 17050 --( ro 10-21-0279-303 is scheduled to be sold at Sheriffs Sale on March 4, 2015 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:OOAM to enforce the court judgment of $172,335.19 obtained by JPMorgan Chase Bank, National Association against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFFS SALE To prevent this Sheriffs Sale you must take immediate action: 1 The sale will be cancelled if you pay back to JPMorgan Chase Bank, National Association the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorney's fees due. To find out how much you must pay, you may call: (610)278-6800. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings. 4. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 5. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610)278-6800. 6. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 7. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390. 8. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 9. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 10. You may be entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty days after the Sheriff Sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 11. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 14-045952 TRACT NO. 1: ALL THAT CERTAIN tract or parcel of land situate in Hampden Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows: BEGINNING at a point on the Northern line of Virginia Road, 252.90 feet West of the Northeast corner of the intersection of Virginia Road and Thomas Drive; thence Westwardly along the Northern line of Virginia Road, 70 feet to a point; thence North 5° 38" West, through Lot No. 28, Block "D" on hereinafter mentioned Plan of Lots, 125 feet to a point at the dividing line between Lots Nos. 36 and 20, Block "D" on said Plan; thence North 84° 32" East along same and along the dividing line between Lots No. 35 and 36 with Lot No. 29, Block "D" on said Plan, 70 feet to a point; thence South 5° 28" West, through Lot No. 29, Block "D" on said Plan,125 feet to a point, the place of beginning. TRACT NO. 2: ALL THAT CERTAIN lot or piece of land situate in Hampden Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING on the Northern line of Virginia Road, 247.90 feet West of the Northwest corner of the intersection of Virginia Road and Thomas Drive, also being at the dividing line between Lots Nos. 29 and 30, Block "D" on hereinafter mentioned Plan of Lots; thence Westwardly along the Northern line of Virginia Road, 5 feet to a point; thence North 05° 28" West, 125 feet to a point at the dividing line between Lots No. 29 and 35, Block "D" on said Plan; thence North 84° 32" East along same, 5 feet to a point at the dividing line between Lots No. 29 and 30, Block "D" on said Plan; thence SOuth 05° 28" East along same, 125 feet to a point, the place of beginning. BEING the Eastern 5 feet of Lot No. 29, Block "D" on Plan of Lots known as Plan No. 4 of Delbrook Manor, said Plan recorded in the Office of the Recorder of Deeds in and for Cumberland COunty in Plan Book 11, page 33. PARCEL No. 10-21-0279-303 BEING the same premises which Real Estate Relief Solutions LLC, a Pennsylvania Corporation, by Deed dated January 4, 2007 and recorded January 26, 2007 in Deed Book 278, page 2822, granted and conveyed unto David Huffman and Karri Huffman, husband and wife. THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PA DAVID D. BUELL, PROTHONOTARY One Courthouse Square • Suite100 • Carlisle, PA • 17013 (717) 240-6195 www.ccpa.net JPMORGAN CHASE BANK, NATIONAL ASSOCIATION Vs. NO 14-4057 Civil Term CIVIL ACTION — LAW KARRI HUFFMAN AND DAVID HUFFMAN WRIT OF EXECUTION TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the judgment, interest and costs in the above matter you are directed to levy upon and sell the following described property: (1) See legal description. (2) (Specifically describe personal property when judgment results from a mortgage covering both personal and real property pursuant to Section 9604(a)of the Uniform Commercial Code) NOTE: Description of property must be attached to the writ. Amount Due: $172,335.19 L.L.: $.50 Interest SEPTEMBER 1, 2014 TO MARCH 4, 2015 IS $4,804.08 Atty's Comm: Atty Paid: $278.80 Plaintiff Paid: Date: 9/26/14 (Seal) REQUESTING PARTY: Name: BRADLEY J. OSBORNE, ESQUIRE Address: SHAPIRO & DENARDO, LLC 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 Supreme Court ID No. 312169 Due Prothy: $2.25 Other Costs: "gw2,11 David D. Buell, Prothonota Deputy B&R Services for Professionals Inc. 235 SOUTH 13TH STREET PHILADELPHIA, PA 19107 PHONE: (215) 546-7400 FAX: (215) 985-0169 JPMorgan Chase Bank, National Association -VS- Karri Huffman and David Huffman COMMONWEALTH OF PENNSYLVANIA: COUNTY OF PHILADELPHIA: • COURT National Association of Philadelphia Association Professional Process Servers of Professional Process Servers Court of Common Pleas of Pennsylvania COUNTY Cumberland County •• CASE NUMBER 14-4057 AFFIDAVIT OF SERVICE B&R Control # CS118602 - 2 Reference Number 14-045952 c--) SERVICE INFORMATION On 6 day of October, 2014 we received the Notice of Sheriff Sale for service upon David Huffman at 395 Oak Grove Road Danville, PA 17821 T'n N --{' *** Special Instructions *** Please make at least three (3) attempts for service and list same on return for purposes of a motion (if necessary). Served Date ploiq In the manner described below. Personally served. Adult family member. Relationship is Time iaar I Accepted By: 0.0-resldsz nA- 1K Adult in charge of residence who refused to give name and/or relationship. Manager/Clerk of place of residence lodging Agent or person in charge of office or usual place of business Other Description of Person Age 35 Height 5110" Weight (,co5 Race Other (13 -3X -Wk \PCXR .Ar Time n Not Served Date Not Served Information II [A Sex Vt/ ako Moved I Unknown I No Answer Il Vacant Other The Process Server, being duly sworn, deposes and says that the facts set forth herein are true and correct to the best of their knowledge, information and belief. Process Server/8herifL. Law Firm COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL John F. Shinkarsky, NotaryPublic Lacer Paxton Twp., Dauphin County iMy Commission Expires Sept Z8. 2018 KEOBER• PEVISYLYAMIA ASSCCIATiOII Cf OTARIES Phone (610)278-6800 Fo Christopher A. DeNardo, Esquire Shapiro and DeNardo LLC 3600 Horizon Drive Suite 150 King of Prussia, PA 19406 Sworn to and subscribed before me this _-3t'E day of t7c- k a0 / Notary ublic ServeBy Date 11/6/2014 Filed Date Sale 3/4/2015 ORIGINAL 279MRG B&R Services for Professionals Inc. 235 SOUTH 13TH STREET PHILADELPHIA, PA 19107 PHONE: (215) 546-7400 FAX: (215) 985-0169 JPMorgan Chase Bank, National Association -vs- Karri Huffman and David Huffman COMMONWEALTH OF PENNSYLVANIA: COUNTY OF PHILADELPHIA: National Association of Philadelphia Association Professional Process Servers of Professional Process Servers COURT Court of Common Pleas of Pennsylvania COUNTY Cumberland County • ▪ CASE NUMBER 14-4057 AFFIDAVIT OF SERVICE B&R Control # CS1186.02 - Reference Number 14-045952 SERVICE INFORMATION On 6 day of October, 2014 we received the Notice of Sheriff Sale for service upon Karri Huffman at 4019 N. Bennington Avenue Apt. 101 Kansas City, MO 64117 *** Special Instructions*** Please make at least three (3) attempts for service and list same on return for purposes of a motion (if necessary). Served Date /011-14 Time %!-SO Ala Accepted By: In the manner described below. Personally served. Adult family member. Relationship is Karr, MuPPman Adult in charge of residence who refused to give name and/or relationship. Manager/Clerk of place of residence lodging Agent or person in charge of office or usual place of business Other Description of Person Age !)O Height C*if Weight Not Served Date Other g►o nJ Not Served Information Moved Unknown Time 166 165 Race Sex Fend No Answer Vacant Other The Process Server, being duly sworn, deposes and says that the facts set forth herein are true and correct to the best of their knowledge, information and belief. Process Server/Sheriff Law Firm Phone (610)278-6800 Christopher A. DeNardo, Esquire Shapiro and DeNardo LLC 3600 Horizon Drive Suite 150 King of Prussia, PA 19406 Fo 'NOTARY * ,[A .. DELYNNA K. SIEGEL My Commission Expires February 14, 2015 Clay County Commission #11004675 Sworn to and subscribed before me this ServeBy Date 11/6/2014 Filed Date Sale 3/4/2015 ORIGINAL 279MRG SHAPIRO & DeNARDO, LLC BY: CHRISTOPHER A. DeNARDO, ESQUIRE, ATTORNEY I.D. NO. 78447 BRADLEY J. OSBORNE, ATTORNEY I.D. NO. 312169 CHANDRA M. ARKEMA, ATTORNEY I.D. NO. 203437 LEEANE O. HUGGINS, ATTORNEY I.D. NO. 85144 SARAH K. McCAFFERY, ATTORNEY I.D. NO. 311728 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610)278-6800 S&D FILE NO. 14-045952 JPMorgan Chase Bank, National Association PLAINTIFF VS. Karri Huffman and David Huffman DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:14-4057 CERTIFICATION OF NOTICE TO LIENHOLDERS PURSUANT TO PA R.C.P 3129.2 (C) (2) I, Cori Haas, Legal Assistant for Shapiro & DeNardo, LLC, attorneys for the Plaintiff, JPMorgan Chase Bank, National Association, hereby certify that Notice of Sale was served on all persons appearing on Exhibit "A" attached hereto, by United States mail, first class, postage prepaid, with Certificates of Mailing on January 5, 2015, the originals of which are attached and that each of said persons appears on Plaintiffs Affidavit pursuant to Pa. R.C.P. 3129.1. The undersigned understands that the statements herein are subject to the penalties provided by 18 P.S. Section 4904. Date: 0/ 15 By: 14-045952 SHAPIRO & DENARDO, LLC apt 1-L120A Cori Haas Legal Assistant U.S. POSTAGE»»PITNEY BOWES Name and Address of Sender Shapiro & DeNardo, LLC 3600 Horizon Drive Suite 150 King of Prussia, PA 19406Postmark Check type of mail or service: 0 Certified 0 Recorded Delivery (International) 0 COD 0 Registered 0 Delivery Confirmation 0 Return Receipt for Merchandise ❑ Express Mail 0 Signature Confirmation ❑ Insured Affix Stamp Here H1� �"'__ (If issued as a y ZIP 19406 $ 001.411) certificate of mailing,„r 02 1W or for additional i 0001387362 JAN. 05. 2015 jik copies of this bill) ! and Date of Receipt Article Number Addressee (Name, Street, City State, & ZIP Code) Postage Fee Handling Charge Actual Value if Registered Insured Value Due Sender if COD DC Fee SC Fee SH Fee RD Fee RR Fee 1. 14-045952 MW Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 Tenant or Occupant 4807 Virginia Road Mechanicsburg, PA 17050 PA Department of Revenue Bureau of Compliance P.O. Box 281230 Harrisburg, PA 17128-1230 f 2 3, N C.) a 4. „ ay N C� 5. ) / G) Jt f1 irmation onfirm IA 0 C� ---..2....../: ery Con gnature 7. Q •^ Total Number of Pieces Listed by Sender 3 Total Number of Pieces Received at Post Office Postmaster, r (Nam: o'rec=ivine ployee' See Privacy Act Statement on Reverse PS Form 3877, February 2002 (Page 1 of 1) inpleyiewriter, Ink or Ball Point Pen