HomeMy WebLinkAbout14-4877 ... ...: ..... .... .
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Supreme Cogg-jaf Pennsylvania
Coin- ColnU Pleas -
� �• _ �.i:AlTioriiih aLsa�rit• '�::_'•±i�:
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County
The informotion collected on tiis form is used solely for court administration ptnposes. This fonn does not
supplement or replace die filing and sen ice of pleodings or other popers as required by lnv or rules of court.
Commencement of Action:
' r1== ®Complaint ❑Writ of Summons ❑Petition
— -
❑Transfer from Another Jurisdiction ❑Declaration of Taking
` a_ bead Plaintiff s Name: Lead Defendant's Name:
c... 1 -i,..
! =: Deutsche
' Bank National Trust Company,as Gloria Popp,et al.
Trustee,in trust for registered Holders of Long
r=y
amBeach Mortgage Loan Trust 2006-10,Asset-
ANN-`,.�_,,
ST Backed Certificates Series 2006-10
Are money damages requested. []Yes ®No Dollar Amount Requested:❑within arbitration limits
z ,w
check one ❑outside arbitration limits
4y'Si3'F e^LI[i^I
s i^; Is this a Class Action Suit? [I Yes ®No Is this an MDJ Appeal? ❑Yes ®No
;JE
Name of Plaintiff/Appellant's Attorney:Robert W.Williams,Esquire
:,;s
=i-al:;. ❑Check here if you have no attorney(are a Self-Represented[Po Sed Litigant)
— e9'ce
Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your
pm„: 7g PRI1 URYC4S,-if you ace making more than one type of claim,check the one that
;res_r
YOU consider most important.
wr = F TORT(do not include.Mass Tort) CONTRACT(do not include judgments) CIVIL APPEALS
s 4F= Ct:• ❑ intentional [IBuyer Plaintiff Administrative Agencies
F1 Malicious Prosecution El Debt Collection:Credit Card ❑ Board of Assessment
1;3;'; ;Y• ❑ Motor Vehicle ❑ Debt Collection:Other ❑ Board of Elections
❑ Nuisance
;ice =' ❑ Premises Liability [I Dept of Transportation
n`€ii=; ❑ Statutory Appeal:Other
R
-= ❑ Product Liability(does not include
:. .! mass tort)
❑ Employment Dispute:
: Y,� f ❑ Slander/Libel/Defamation Discrimination
❑ Other. ❑ Employment Dispute:Other ❑ Zoning Board
,,-1-° ❑ Other.
i' `•i MASS TORT Q Other:
Asbestos
'L�'"'>i'" ❑ Tobacco
❑ Toxic Tort-DES
REAL PROPERTY
='•�:�"'s=` ❑ Toxic Tort-Implant MISCELLANEOUS
[3 Ejectment El Common Law/Statutory Arbitration
❑ Toxic Waste
. °.-=:!. ❑ Declaratory Judgment
..-;= ❑ Other ❑ Eminent DomaiotCondemnation ry
kg..gi r: Mandamus
s��ti : ❑ Ground Rent ❑
2 :r T,r.
-�,:::��-�:Ta ❑ Landlord/Tenant Dispute ❑ Non-Domestic Relations
z..Tn f
Mortgage Foreclosure:Residential Restraining Order
v?= '. PROFESSIONAL LABII.ITY
❑ Mortgage Foreclosure:Commercial ❑ Quo Warranto
ra Ypi ElDental ❑ Partition ❑ Replevin
''`'" = =; ❑ Legal ❑ Quiet Title ❑ Other
❑ Medical ❑ Other.
J si Q Other Professional:
PENNSYLVANIA.BULLETIN,VOL 42,NO.13,MARCH 31,2012
j.
MILSTEAD &ASSOCIATES,LLC W��
BY: Robert W.Williams,Esquire D15�;E D Ciiij�i
ID No. 315501 LY�trIA
1 E. Stow Road
Marlton,NJ 08053
(856)482-1400 Attorney for Plaintiff
File: 8.35459
Deutsche Bank National Trust Company, COURT OF COMMON PLEAS
as Trustee,in trust for registered Holders CUMBERLAND COUNTY
of Long Beach Mortgage Loan Trust 2006-
10,Asset-Backed Certificates, Series 2006-
10 '
3815 South West Temple
Salt Lake City,UT 84115, No.: 14- 48V vd °�o
Plaintiff, CIVIL ACTION MORTGAGE
;
FORECLOSURE
Vs. ;
Gloria Popp
65 W Main St
Newville,PA 17241, c`) _
r-a co v,
and j r� rn
Howard W.Foultz �<-'' rCD
65 W Main St o
Newville,PA 17241, ;
>C: N) _f
Defendants
S
q6 PD AIV
04 13,19- l I V787S
e,3099a I
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 fling in writing with the Court your defenses or objections to the
claims set forth against you. You are warned that if you fail to do so the case may !
proceed without you and a judgment may be entered against you by the court
without further notice for any money claimed in the complaint or for any other
claim or relief requested by the plaintiff. You may lose money or property or other
rights important to you. '
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT
WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle,PA 17013
717-244-3166
NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT
1. This communication is from a debt collector. This is an attempt to collect a
debt and any information obtained will be used for that purpose.
2. Unless you dispute the validity of this debt, or any portion thereof, within
30 days after receipt of this notice, the debt will be assumed to be valid by our
offices.
3. If you notify our offices in writing within 30 days of receipt of this notice
that the debt, or any portion thereof, is disputed, our offices will provide you with
verification of the debt or copy of the Judgment against you, and a copy of such
verification or judgment will be mailed to you by our offices.
j
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MILSTEAD &ASSOCIATES,LLC
BY:Robert W. Williams,Esquire
ID No. 315501
I E. Stow Road
Marlton,NJ 08053 '
(856)482-1400 Attorney for Plaintiff
Deutsche Bank National Trust Company, COURT OF COMMON PLEAS
as Trustee,in trust for registered Holders CUMBERLAND COUNTY
of Long Beach Mortgage Loan Trust 2006-
10,Asset-Backed Certificates, Series 2006-
10
3815 South West Temple No.:
Salt Lake City,UT 84115, I
CIVIL ACTION MORTGAGE
Plaintiff, FORECLOSURE
Vs.
Gloria Popp
65 W Main St
Newville,PA 17241, .
and
Howard W. Foultz
65 W Main St
Newville,PA 17241,
Defendants
COMPLAINT IN MORTGAGE FORECLOSURE
1. Plaintiff, Deutsche Bank National Trust Company, as Trustee, in trust for registered
Holders of Long Beach Mortgage Loan Trust 2006-10,Asset-Backed Certificates, Series 2006-
10(the"Plaintiff'), is registered to conduct business in the Commonwealth of Pennsylvania and
having an office and place of business at 3815 South West Temple, Salt Lake City,UT 84115.
2. Defendants, Gloria Popp and Howard W. Foultz,(collectively,the"Defendants"),are
adult individuals and are the real owners of the premises hereinafter described by virtue of a
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Deed dated September 21,2006,recorded December 4,2006 in Deed Book 277,Page 4129. The f
Deed is attached hereto as Exhibit"A"and made a part hereof.
3. Defendant Gloria Popp,upon information and belief,resides at 65 W Main St,Newville,
PA 17241. Defendant Howard W.Foultz,upon information and belief,resides at 65 W Main St,
Newville,PA 17241.
4. On September 21,2006, in consideration of a loan in the principal amount of
$105,600.00,Defendants Gloria Popp and Howard W. Foultz executed and delivered to
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Washington Mutual Bank a note(the"Note")with interest thereon at 7.875 percent per annum,
payable as to the principal and interest in equal monthly installments of$765.68 commencing
November 1,2006. The Note is attached hereto as Exhibit`B"and made a part hereof.
5. A Loan Modification Agreement was made on or about March 16, 2010 between
Defendants Gloria Popp and Howard W. Foultz(the"Borrower") and Chase Home Finance LLC
(the"Lender")to increase the unpaid principal balance due on the Note to $132,280.18,
consisting of the amount(s)loaned to Borrower by the Lender which may include,but not limited
to,any past due principal payments,interest,fees and/or costs capitalized.The current interest
rate is 6.8750.The Loan Modification Agreement is attached hereto as Exhibit"C" and made a
part hereof.
6. To secure the obligations under the Note,the Defendants executed and delivered to
Washington Mutual Bank a mortgage(the"Mortgage")dated September 21,2006,recorded on
December 4,2006 in the Department of Records in and for the County of Cumberland under
Mortgage Book 1974,Page 5021. The Mortgage is attached hereto as Exhibit"D"and made a
part hereof.
7. Plaintiff is proper party Plaintiff by way of an Assignment of Mortgage recorded March
27,2013 under Instrument Number 201309700. The recorded Assignment of Mortgage is
attached hereto as Exhibit"E"and made a part hereof.
8. The Mortgage secures the following real property(the"Mortgaged Premises"): 63 W
Main St,Newville,PA 17241. A legal description of the Mortgaged Premises is attached hereto
as Exhibit"F" and made a part hereof.
9. The Defendants are in default of their obligations pursuant to the Note and Mortgage
because payments of principal and interest due November 1,2012,and monthly thereafter are.
due and have not been paid,whereby the whole balance of principal and all interest due thereon
have become due and payable forthwith together with late charges, escrow deficit(if any)and
costs of collection including title search fees and reasonable attorney's fees.
10. The following amounts are due on the Mortgage and Note:
Principal Balance ....................................$131,565.79
Accrued but Unpaid Interest from
10/1/12 to 8/15/14......................................$16,929.66
Accrued Late Charges ....................................$226.15
Interest on Advance..........................................$10.86
Escrow Advance..........................................$6,791.04
Recoverable Balance......................................$265.00
Reasonable Attorney's Fees........................$1,650.00
TOTAL as of 08/15/2014........................$157,438.50
Plus,the following amounts accrued after August 15,2014:
Interest at the Rate of 6.8750 percent per annum($24.78 per diem);
Late Charges per month if applicable.
1.1. Plaintiff has complied fully with Act No. 91 (35 P.S.'1680.401(c) of the 1983 Session of
the General Assembly("Act 91") of the Commonwealth of Pennsylvania,by mailing to
the Defendants at 63 W Main St,Newville,PA 17241 as well as to address of residences as listed
in paragraph 3 of this document on July 8, 2013,the notice pursuant to § 403-C of Act 91,and
the applicable time periods therein have expired. The Act Notices are attached hereto as Exhibit
"G" and made a part hereof.
WHEREFORE,Plaintiff demands an in rem judgment against the Defendants for
foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 10, i
namely, $157,438.50,plus the following amounts accruing after August 15,2014,to the date of
judgment: (a) interest of$24.78 per day, (b)late charges per month if applicable, (c)plus interest
at the legal rate allowed on judgments after the date of judgment, (d)additional attorney's fees
(if any)hereafter incurred, (e)and costs of suit.
AD&AS OCIATES,LLC i
Date: 9-ea
a LI
Robe W. Williams,E�sqeuir
Attorney for Plaintiff
.........:.:.
VERIFICATION
Mark Lochhead Document Control Officer
hereby states that he/she is of
Select Portfolio Servicing,Inc., Servicing Agent for Plaintiff,Plaintiff in this matter,that he/she
is authorized to make this Verification, and verify that the statements made in the foregoing Civil
Action in Mortgage Foreclosure are true and correct to the best of his/her knowledge,
information and belief.. The undersigned understands that this statement is made subject to the
penalties of 18 Pa C.S. Sec. 4904 relatin o unswor falsi on autho 'ties.
e: Mark Lochh ad
Title: Document Control Officer
DATE:
File#: 8.35459
Name: Gloria Popp and Howard W. Foultz
Exhibit 66A"
59
Prepaid by: kO B E P.T P. Z I E G L n
Fidelity Closing Services,LLC r, �I�. �+;
341 North Science Paris Road,Suite 203 4-:
State College,PPA 16803 U6 DEC y AM 9 27
Sure set Settlement, LLC
341 N. Science Park Road
Suite 205 pr-W(-`Z60314
State College, PA 16803
Warranty Deed
T".
--7j4
Made this pq s day ofSIVe,&n 6ae",in the year two thousand six(2006).
Between FRED A.GORDON and MARY L.GORDON,husband and wife,of
the Borough of Newville,Cumberland County,Pennsylvania,parties of the first part,
GRANTORS
- and-
GLORIA POPP,a single person,and HOWARD W.FOULTZ,a single person,
of the Borough of Newville,Cumberland County,Pennsylvania, as joint tenants with right
of survivorship,parties of the second part;
GRANTM
Witnesseth,that in consideration of ONE HUNDRED THIRTY THOUSAND
NINE HUNDRED AND NO/100 ($130,900,00)DOLLARS,in hand paid,the
receipt whereof is hereby acknowledged,the said grantors do hereby grant and convey to
the said grantees their heirs and assigns;
ALL that certain piece, parcel or lot of land with the improvements thereon
erected situate in the North Ward of the Borough of Newville, County of
Cumberland and Commonwealth of Pennsylvania,more particularly bounded and
described as follows,to wit:
BOUNDED on the South by West Main Street;bounded on the West by lot now
or formerly of the Estate of E.W.Shullenberger;bounded on the North by Cove
Alley; and bounded on the East by lot formerly of Aaron Burkholder, now or
formerly of Fred Clark,
SAID lot contains Thirty-nine (39) feet in front on Main Street and is One
Hundred Eighty(180)feet in depth to said Alley in the rear,be the same more or
FIDELITY CLOSING less.
SERVICES, LLC
30 f N.SCIENCE PARK RD.
SUITE 203
STATE COUEGE,PA 16603
GcU
BEING improved with a two and one-half story frame and brick dwelling house
known as and numbered 63 and 65 West Main Street.
BEING the same premises which Leroy C.Cohick,Administrator of the Estate of
Jane F. Cohick, late, by deed dated May 4, 1973 and recorded May 7, 1973 in
Cumberland County in Deed Book D25, Page 287, granted and conveyed unto
Fred A.Gordon and Mary L.Gordon,husband and wife,and Nora E.Seibert.The
said Nora E. Seibert died on December 12, 1978 thereby vesting fee simple title
unto Fred A. Gordon and Mary L.Gordon.
KNOWN as Tax Parcel No. 27-20-1754-040
The Schrivner of this deed is in no way certifying the status of title of the above premises
and has not searched the records pertaining thereto.
THE GRANTORS HEREIN STATE THAT THE HEREINABOVE DESCRIBED
PROPERTY IS NOT PRESENTLY BEING USED FOR THE DISPOSAL OF
HAZARDOUS WASTE, NOR TO THE BEST OF THEIR KNOWLEDGE,
INFORMATION AND BELIEF HAS IT EVER BEEN USED FOR THE DISPOSAL OF
HAZARDOUS WASTE. THIS STATEMENT IS MADE IN COMPLIANCE WITH THE
SOLID WASTE MANAGEMENT ACT,NO. 1980-97,SECTION 405.
Together with all and singular the tenements,hereditaments and appurtenances to the
same belonging,or in anywise appertaining,and the reversion and reversions,remainder
and remainders, rents, issues and profits thereof, AND ALSO all the estate,right,title,
interest,property,claim and demand whatsoever,both in law and equity,of the Grantors,
of, in,.to or out of the said premises,and every part and parcel thereof.
To Have and to Hold the Said premises,with all and singular the appurtenances,
unto the said Grantees,their heirs and assigns,to and for the only proper use and behoof of
the Grantees,their heirs and assigns forever.
And the said Grantors,their heirs,executors,and administrators,do by these presents,
covenant; grant and agree to and with the Grantees,their heirs and assigns,that the said
Grantors, their heirs, all and singular the hereditaments and premises herein above
described and granted,or mentioned and intended so to be,with the appurtenances unto the
said Grantees,their heirs and assigns,against the said Grantors,their heirs,and against all
and every other person-or persons,whomsoever,lawfully claiming or to claim the same or
any part thereof, shall and will, by these presents, WARRANT AND SPECIALLY
FOREVER DEFEND the property hereby conveyed.
FIDELITY CLOSING
SERVICES,LLC pAGEUV
341 N.SCIENCE NARK RD, 6WR
SUITE 203 �� P
STATE COLLEGE,PA 16803
f
In Witness Whereof, the said parties of the first part have here unto set their
hands and seals the day and year first above written.
Signed,Sealed and Delivered in the Presence of
VV- Fred A.-h-ardm
(Seal)
L
CERTMCATE OF RESIDENCE
I hereby certify that the precise residence of the Grantees herein is as follows:
63Wnt Mnin
New PA 11241
A#mwy or AVW for Grant=
COMMONWEALTH OF PZNNSYLVAMA )
} SS:
COUNTY OF umae&4ND )
On this,the .21/ day of 2006,before me,a Notary Public,
the undersigned officer, personally appeared 1 RZD A. GMM and MARY L.
COMM,,known to me (or satisfactorily proven) to be the parsons whose names are
subscribed to the within instrument,and acknowledge that they executed the same for the
purpose therein contained.
IN WITNESS WHEREOF,I have hercupto I my hand o ial seat.
Notary Public
Canmwaawat Pa IMr�iA
FIDELITY CLOSING
SERVICES,LLC 6
341 N.SCIENCE PARK RD,
SUITE 203
STATE COLLEGE,PA 16803
[Wax 277 PAU431
!�a gland Cwnty Recarijer of Deeds
hstrWrieylt Filins
ReceiatR 637141
Ins*rR 2005-443bh6
12/44/200 29;26.37
Relarks: ARE PAR-W PLUS
. FDPP
DEED 12.54
f Certify this to be recorded DEEP r JFIT •50
fn Cumberland DECD - R€€ STATE 1309.00
C,alt ,p,A BIG SPRING 654.50
NEWILLE R ROM 654.50
�. OEEI; — g/H 11.SC
a.T.i. 10.00
J CO INPROVEOT FRD 2.G0
REC. IMPRVMT FUND t
of Deeds 21485 . 3693.50
:Aab .WA • > Chec>:R 21402 S.SO
f _ +[M+�►. .� � 214e, $1,7309.00
F1481 Sba4.50
....... $2:657.50
X00!! 2'T7
PACE4132
RMI83 ER(11.M)
REALTY TRANSFER TAX '��°' 's ONLY
SMM Tax Paid 6D
COMMONWEALTH OF PENNSYLVANIA STATEMENT pF VALUE Beek Num �
DEPARTMENT OF REVENUE
BUREAU OF INDIVIDUAL TAM Page Nutnbar
Po eox zeaeos See Reverse for Instructions Date Recorded
HARRISBURG PA t7128�0603
Complete each section and file fn duplicate with Recorder of Reeds when(i)the full valueJoonsideratiort Is not set forth in the deed,(2)when the
deed is without consideration,or by gift,or(3)a tax exemption Is claimed,A Statement of Value is not required If the transfer is wholy exempt from
tax based on:(1)family relationship or(2)public utility easement.If more space Is needed,attach additional sheet(s).
A. CORRESPONDEW-All Inquiries may be directed to the follow! mon:
time
n t 'Telephone Number
Ul .�
City t
Addle a
�-C�i.tCe 0.Y . Lp Code
B. TRANSFER DATA
Date of Ac nce Document
Al Q ntor{salt.sasar(� � c�ratitee(s)►Leaa.e(e)
Street Streit Addles,
W. i rl Sf r (-
City Spate Zip
Code City State ZIP Code
tr
C. PROPERTY LOCATION
street Address II
t/tr ✓e t
�;44i�2:j
School District l-r1r Tax P I Number
D. VALUAWN DATA
I Actual Cash Consideration 2.Other Consideration 3.TV1 Consideration
+ - o n
d� lounty. ,eased)Vt fV,Velue 5.Common Level do Factor e.FOr value
x -7'51
E. EXE MN DATA
1e.Amount of erpptlon Claimed 9b.Peron g I inhypat Conveyed
o -L�
2. Check Appropriate Box Below for Exemption Claimed
❑ Will or intestate succession
❑ (EAtate Fib Number]Transfer to industrial DevetopmentAgency. (Name of Decedent)
❑ Transfer to a trust.(Attach complete copy of trust agreement IdenWng all beneficlartes.)
❑ .Transfer between pdnclpal and agent.(Attach.complete copy of agency/straw party agreement.)
❑ Transfers to the Commonwealth, the-United States and Instrumentalities by gift,dedication,oondemnatlon or in lieu
of condemnation. (If condemnation or in lieu of condemnation,attach copy of resolution.)
❑ Transfer from mortgagor to a holder of a mortgage In default.Mortgage Book Number ,Page Number
❑ Corrective or confirmatory deed.(Attach complete copy of the prior deed being Corrected or confirmed.)
❑ Statutory corporate consolidation,merger or division. (Attach copy of articles.)
❑ Other(Please explain exemption claimed,if other than listed above.)
Under penalties of law,I declare that i have examined this Statement,Including accompanytnq Information,and to the best
of my knowledge and belief,It is true,correct and complete.
Signature of ,portent or Responsible Party
Date
4
FAILURE > PLETE THIS FORM PROPERLY,OR ATTACH APPLICABLE DOCUMENTATION RE LT IN
THE RECO R'S REFUSAL TO RECORD THE DEED.
Box 277 FuE4133
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NOTE
September 21,2008 State College Pennsylvania
IDmq (C'arl '
Isdtq
63 Well Maln Street,Newvlle,PA 17241
fhvpC ty AddMul
1.BORROWER'S PRONUSETO PAY
Imemmfor8Ina thatIhave teceiwd,Ipremix topay US.$105,80D.00 (this amoaatitcalled'Prioripan,
Plus intuas4 to the order of the Leader.The LanderisWasWngton Mutual Bank
I will make all payments under this Note fa the form ofcasb,check or money order.
I uuderstanddtat the Leader may transfer this Note.The Lenderor anyone who takes this Note by transfer and Who is
entitled to receive payments under this Note is called the Note Holder.'
2.Bgrm ST
Interestwill be ehargedoa unpaidpriaeipalus til the fun amcuatof prineipalihs beau paid.I win pay In rest at a yearly
ride of 7.875 90.
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The interestratesequiredby this Seetton2 is the rate Iwill pay both before and after any default deserSbedia Seeden6(8)
of this Nota
3 PAXNl1Z=
(A)Tlyde and Puce ofPnym=ts
I wt11 pay Pdndpal and imcxestby mnkiag a paymenrawly mouth.
IWill make mymonthly paymentonthe First dayofcathmonth bcgmmbnon November 1,20DS
1 will make thesepaymentsevM mouth 13111111 have paid an of the Priaeipalaadinterestandauyotherehargesdescribcdbelow
that I MAY owe under this Note.Each=nuttily payment will be applied as of Its scheduled doe date and will be applied to -
interest before principal.It as October 1,2036 ,i soil own ernounts ander this Note.I win Lay those
amounts in fun on that date,which is caned the'Maturity Date
I will maim my momtbiy paymnentsat Washington Mutual Bank, P.O.Box 3139,Milwaukee,W1 53201-3139
or at a different Place if roquited by the Note Holder.
(B)Amtmat of Monthly Paymerds
My monthly paymentwill be in The amountof US 5765.88
4]kORBOWE WS RrGSTT0 PREPAY
I have the right to main:paymeatsof PrfficipelaI arty time before they arc Oar.A prepaymentof all of the unpaidpdoeipal
is known as a'Full prepayment'A prepayment of only part of The anpald principal is known as a Rartial Prepayment`
Except as provided below,I may mala:a Fun or PartialPrepaymentat any time.If I make a Fell prep
ayme3 1 mal be
.charged a fee as t011OW.
If Note Holder recelves a Full Prepayme floc or before the fast anniversary of am date of the Note,the prepaymtmtfae
shall be equal to Three percent( 3.000%,)of the original loan amount If Note Holder receives a Fun
Ptepaymeotxft0lbe first amtisersarybut on or beforethe aecondauahtrwty of tbt date of the Note,the prepaymcutfee shall
be Two percent( 2.000%)or the original loan amount If Note Holder recehrs a Fun Prepaymcntafter Bre
secoad aaniversaty but its or before the third anahersarq of the dote of the Note, the prepayment fee shall be
One percent( 1.000%)of the original loan amount.Them Rat,pre payment of the Note shall be permitted
whhoutatryprepsymeat fec.
When I make a Full or Partial Prepayment,I will notify the Note Holder is wthiag that I am doing so. Any Partial
ptepaymeatof principal span be applied to iatcrestacauedon the amonatprepaidand then to the piiacipal bafaaeeof the Note
which Shan not reducethe amount of monddly iustann entaof principalaodimeresloor relieve we of the ob8geilem to Make the
insalimmtseaeh cad every month omit the Note is paid in fun. PsnckPrepaymentsshall lave no effect upon the due dates or
The emaunrs of my mondtly pa}7ae=1 M kW the Note Holder agrees in writing to sudt Changes.
6 tAULTtaTATE FWW RATE MOTE awe
I. 4740674 rreca7 em a a a �+/1 17
VaPMirtut„ea6ri rx. �_
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AOL
I IRANCURMS
H a law,which applies to this ban and which sets maaimam Ion ebarges,is fin lamrprttedw that the interestor other r
loan ehursea0teiedmtobeealleeted'mecoacclbnwkhthis loan cycaedthe pezmhtedtimits then:(a)anysuch Wocharge
shall be tedaeedby the a mnam tecess syto reduce the charge to the permitted limit and(b)any rams already collected from
me which eseeededparnittedlanks will be teftmded to me.The Note Holdcrmay choose to m01:e this refund try redueiogthe
PrbtlpalI aft aaderthis Nate or by makinga dlteetpaymentame Ifft mfnradredneesPtinefpal,the mdnetionwdl be tteated
as a Partial Prepayment '
(~BORROWER'SFAH.IIR.ETOPAYASRH()UMED
(A)Late Charge for Overdue Payments .
If the Note Holderbastmt received the full atxxouatof any monthly payment by the end of Fifteen ealmdm days
after the date it it due,I will pay a late charge to the Note Halder.The amount of the charge will be G%of
myavtrdae payment cf prhWpal and(merest.i wit pay this fate charge promptly but only once w ceeh late paytmnL
(B)Default
HI do not pay the fun aaxmmtof enehmtmth(y pay ocutan the date it is due.I will be In defenh.
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(C)Mount of Default
If I am in dekatt the Note Holder may scud me a written notice letfiag me that if I do rot pay the v%wilucamowatby a
cc nein date,the Nate Holder may reunite me to pay hu lately the fail amacntef Princlpal wfiicb has not been paid and 40
the fataat that I we an that amaum.That date mast be at it=30 days after the date an whieb the notice is ma0ed to meat
deBvmed by other meaui
(D)No Vatter By Note Holder
Even it,at a time when I am In default,The Note Halder docs tart require me to Pay immediately in full as described
abort,the Note Holder will still have the right to do m if I am in deficit at a later char—
(E)Paynmt of Nate Holders Casts mtd Faftmsts
if the Nate Holder has tequiredmc to pay fmmedintelyie,full as daaedbedabave,Ibe Note Holdcrwitt have the right to
be paid backby me for all of its eases and espeasesbt enforcing this Nateto ibc eatml not ptohitiitedby applieabklaw.Than
expenses include,lit example,rcesonoble attorneys'Eat: '
7.GrMIGOFNOTICPS
Uukznpp6nbklaw regciresa dl$cmnt method,toy notice thatme�be&D to me no tthis Nate wdl lie She by
delivering it or by mafi'mg it by first class ma0 to me at the PmpcMAddtessabaw or At a ditfcrenl adilmssif 1 give the Nose
Holder a notice of my differeut address.
Any notice that tmtst be given to the Nate Holder tmderthk Nate will be Shea by deilve tg it or by ma0img it by fiat
ales mag to the Nate Holderat The addrrssmtedin Station 3(A)abort or at a dtffeteataddres:if I am gk n a outlets of that
&&mut addtesat.
a.OBLIGATIONS OFPMONS TINDRRMS NOTE
If rare than arae person signs this Nate,each person is fully and personalty obligated to laxp all of the promisesm:de,in
this Nate,Including the promketa pay the full amoumawed.Any permnwl a is o Vwrnntat,suretyat eodoncrof this Nae Is
afar obfigeted Tv do these things.Anypcmnvha talatsawr d=eobligatioas,ioeksd"mg lbe ob6gatiam of a guamwm,acety
of eodarsetaf this Note,is also obligated to keep all of the promfsesmade in this Note.The Nom Holdcrmay enforce its tights
andcrduis Note against each personiodividoa0y of against ail ofus togethet.M meaasthatatry,arse of us may be requirtdto
pay all ofthe amounts awed ander tbie Note.
9.NVAIVERS
I end any other person who has ab0getlom coder this Note anise the rights of pcesojas seatand Notice of Dishonor.
TrescurmryPmtsas(be right to requttetheNote Holderm demandpaymemof Amemarduc.'Notice of l)mhmmt'mcansthc
right to require the Note Holder to ght entice to other perwas tical asaoams dm baw not been paid.
Ili UNMIRWISECUMM NOTE
This Note is a anifarm irasttum navAth fimftctivarmtiom in someJuntdtet'aom.In add0'uram the proteetioasghara to the
Note Holdctuadexthis Note.a Mortgage,Deedof Ttmt,at Security Dced(tbc'Secudty Instmanctst%dated the same,dateas
Chit Nota protritsthe Note Holdet from passible}assts which might resultif I do not keep The prmssheswbieh I maim in this
Nate.That Seeurhy Ins mracmdescribcshow cad anderwbat condsZemI may be reg6ted to maim iatmediatc paymrnt in full
of all amounts I awe under this Nota Saasc of those cuts itieas ate desetsbcd as follwws.
Nutt MATE VIM t1ATe NOTE H[/F
414ottatoomx M.2.ta
i
Tr=fer or the props*or a Bcnefdal Interest Ia Boctoucr. As used 9a this Section 1&'Imescst m
nese Property'means any legal or bcnclicW interest in the Property,iaeludbtg,but not 11mbed to,those
bc=ficW mierests tmasfcrred m a bond for deed,contract for decd,innaUmeat mks contract or e=VW ,
agseemnn,the intent of vhicb is the transfer of lite by Borrower at a future date to a pnrehasec
If au or amy Factor the Prop"or avy lnmrestin the Property is sold or tmasferved(or U Borro"rls j
not a n&UnW pcaoa and n beneficial Interest 10 Borsawer is sold or mnsfcsred)widtout Leader's prior
Written consul,Leader may requhe immediate payment in full or all sums scared by this Security
lmtlum=L Hoylstiar, this optoa sbaU ant be otRseised by Leader if such eseroisc is prohibited by i
Appl)=Mc Law.
Ir Landerense'nes this option,leader shall girt Bactovcr notice of acckmtioa.The intim shall
proYdc it peAod of tat fess than So days from the date the notice is ghsa in acordaaccwitb Sewn 15
wither vhJ&Boaovcrmust pay all sums senncdby this Security InstMMUL If Bcrmwcr fa Us a pmy these
seams prior to the afimtioa of dais period.Leads may inw/x eery rcmrdks peruibred by this Seatdty .
iaammeut vvltbout further notice or demand on Borrower.
I
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W ff TM THE HAND(S)AND SEAL(b)OF THE UNDLRSIGM. I
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MULTISTATE FIRM TL4M tsoTL
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pay to the order of
Without Recourse
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Robia Targe,Vice r
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1
LOAN MODIFICATION AGREEMENT
Borrower("I')t: GLORIA POPP and HOWARD W FOULTZ
Lender(`tender'): CHASE HOME FINANCE LLC
Date of First Lien Security Instrument(the"Mortgage') and Note(the"Note'): SEPTEMBER 21, 14
x006
Loan Number: __ ._ she"Loan')
Property Address: 63 W MAIN ST,NEWVILLE,PENNSYLVANIA 17241 (the"Property')
If my representations in Section 1 continue to be true in all material respects, then the provisions of
Section 2 of this Loan Modification Agreement("Agreement) will, as set forth in Section 2,amend
and supplement (i) the Mortgage on the Property, and (ii) the Note secured by the Mortgage.
The Mortgage and Note together,as may previously have been amended, are referred to as the"Loan
Documents." Capitalized terms used in this Agreement have the meaning given to them in the Loan
Documents.
I have provided confuYnation of my financial hardship and documents to permit verification of all of
my income to determine whether I qualify for the offer described in this Agreement. This Agreement
will not take effect unless and until the Lender signs it.
1. My Representations. I represent to the Lender and agree:
A. I am experiencing a financial hardship, and as a result, am either in default under the Loan
Documents or a default is imminent.
B. The Property is neither in a state of disrepair,nor condemned.
C. There has been no change in the ownership of the Property since I signed the Loan
Documents.
D. I am not a party to any litigation involving the Loan Documents,except to the extent I may be
a defendant in a foreclosure action.
E. I have provided documentation for all income that I earn.
F. All documents and information I provide pursuant to this Agreement are true and correct.
2. The Modification. The Loan Documents are hereby modified as of MAY 01, 2010 (the
"Modification Effective Date"), and all unpaid late charges are waived. The Lender agrees to
suspend any foreclosure activities so long as I comply with the terms of the Loan Documents, as
modified by this Agreement. The Loan Documents will be modified, and the first modified
payment will be due on the date set forth in this Section 2:
A. The Maturity Date will be: OCTOBER 01,2036.
1 lfthere is more than one Borrower or Mortgagor cxocuting this document,each is referred to as`ll". For purposes of this document words
signifying the singular(sect DST)shall include the plural(such as"we")and vice versa where appropriate.
WF101 V2 2-23-10 LOAN MODIFICATION AGREEMENT-CHAMP ver.03_12 2010_12 25 23 Page 1 of 4 pages
Ill 1�t111111111111111111111101111111111111111111111111111111111111111
3 + 4 5 + 0 7 2 9 5 0 9 0 5 9 + 1 + 5 0 1
I
B. The modified principal balance of my Note will include all amounts and arrearages that will
be past due (excluding unpaid late charges) and may include amounts towards taxes,
insurance, or other assessments.The new principal balance of my Note is $132,280.18 (the
"New Principal Balance).
C. Interest will begin to accrue as of APRIL 01,2010. The first New monthly payment on the
New Principal Balance will be due on MAY 01, 2010, and monthly on the same date
thereafter.
My payment schedule for the modified Loan is as follows:
i
I and the Lender agree to a temporary interest only payment period for 120 months. I promise
to pay consecutive monthly payments of interest only on the New Principal Balance at the rate
of 6.875%annually in the amount of$757.86,which is an amount sufficient to pay interest as
it accrues. Once the INTEREST ONLY PERIOD expires on APRIL 01, 2020, the interest
rate will remain the same, and the payment thereafter will be$868.99, which represents an
amortizing payment for the New Principal Balance to the remaining Balloon Payment over a
period of 198 consecutive monthly payments. The Lender will notify me of the payment
amount prior to the date that the monthly payment on the New Principal Balance will change.
If the Loan Documents currently provide for a balloon, the Balloon Amount resulting from
this modification may be different. The balloon payment of$91,561.35 will be due on the
maturity date unless due earlier in accordance with Section 2.D.
The above terms in this Section 2.0 shall supersede any provisions to the contrary in the Loan
Documents,including but not limited to provisions for an adjustable or step interest rate.
D. I agree to pay in full (i) the New Principal Balance, and (ii) any other amounts stili owed
under the Loan Documents, including the Balloon Payment, as identified within this
Agreement by the earliest of the date I sell or transfer an interest in the Property, subject to
Section 3.E below,the date I pay the entire New Principal Balance,or the Maturity Date—
E.
ateE. I will be in default if I do not(i)pay the full amount of a monthly payment on the date it is
due,or(ii)comply with the terms of the Loan Documents,as modified by this Agreement. If
a default rate of interest is permitted under the current Loan Documents, then in the event of
default,the interest that will be due on the Nevv Principal Balance will be the rate set forth in
Section 2.C.
3. Additional Agreements. I agree to the following:
A. That this Agreement shall supersede the terms of any modification, forbearance, or
workout plan,if any,that i previously entered into with the Lender.
B. To comply, except to the extent that they are modified by this Agreement, with all
covenants, agreements, and requirements of the Loan Documents including my agreement
WF101 V2 2-23-10 LOAN MODMCAnON AGREEMENT-CHAMP ver.03 12 2010 12 25 23 Page 2 oN pages
lii 1111 4.11{111111111olIIIIIIII11111oI1911o11111911H IM 111111111111111
1
to make all payments of taxes, insurance premiums,assessments, impounds,and all other
payments,the amount of which may change periodically over the term of my Loan. This
Agreement does not waive future escrow requirements.If the Loan includes collection for
tax and insurance premiums,this collection will continue for the life of the Loan.
C. That the Loan Documents are composed of valid, binding agreements, enforceable in
accordance with their terns and are hereby reaffirmed.
D. That all terms and provisions of the Loan Documents, except as expressly modified by
this Agreement, remain in full force and effect; nothing in this Agreement shall be
understood or construed to be a satisfaction or release in whole or in part of the
obligations contained in the Loan Documents; and that except as otherwise specifically
provided in,and as expressly modified by,this Agreement,the Lender and I will be bound i
by,and will comply with,all of the terms and provisions of the Loan Documents.
i
E. That, as of the Modification Effective Date, notwithstanding any other provision of the
Loan Documents,I agree as follows: If all or any part of the Property or any interest in it
is sold or transferred without the Lender's prior written consent, the Lender may, at its
option,require immediate payment in full of all sums secured by the Mortgage. However,
the Lender shall not exercise this option if federal law prohibits the exercise of such
option as of the date of such sale or transfer. If the Lender exercises this option, the
Lender shall give me notice of acceleration. The notice shall provide a period of not less
than thirty(30) days from the date the notice is delivered or mailed within which I must
pay all sums secured by the Mortgage, If I fait to pay these sums prior to the expiration of
this period, the Lender may invoke any remedies permitted by the Mortgage without
further notice or demand on me.
F. That,as of the Modification Effective Date, a buyer or transferee of the Property will not
be permitted,under any circumstance, to assume the Loan. In any event,this Agreement
may not be assigned to,or assumed by,a buyer of the Property.
G. If any document is lost,misplaced,misstated,or inaccurately reflects the true and correct
terms and conditions of the Loan Documents as amended by this Agreement, within ten
(10)days after my receipt of the Lender's request,I will execute,acknowledge,initial,and
deliver to the Lender any documentation the Lender deems necessary to replace or correct
the lost,misplaced,misstated or inaccurate documents). If I fail to do so,I will be liable
for any and all loss or damage which the Lender reasonably sustains as a result of my
failure.
Id. All payment amounts specified in this Agreement assume that payments will be made as
scheduled.
I. If the Borrower(s) received a discharge in a Chapter 7 bankruptcy subsequent to the
execution of the Loan Documents,the Lender agrees that such Borrower(s)will.not have
personal liability on the debt pursuant to this Agreement.
WF10I V2 2-23-10 LOAN MODIFICATION AGREEMENT-CHAMP ver.03 12 2010_12 25 23 Page 3 of4 pages
ill illi lliltll11111!(!1![!1!llilll![lIllllClllllllill11111111![111111[
3 + 4 5 + 0 7 2 9 5 0 9 0 5 9 + 1 + 5 0 !
J. That in agreeing to the changes to the original Loan Documents as reflected in this
Agreement,the Lender has relied upon the truth and accuracy of all of the representations
made by the Borrower(s), both in this Agreement and in any documentation provided by
or on behalf of the Borrower(s) in connection with this Agreement. If the Lender
subsequently determines that such representations or documentation were not truthful or
accurate, the Lender may, at its option,rescind this Agreement and reinstate the original
terms of the Loan Documents as if this Agreement never occurred.
K. I acknowledge and agree that if the Lender executing this Agreement is not the
current holder or owner of the Note and Mortgage, that such party is the authorized
servicing agent for such holder or owner, or its successor in interest, and has full power_
and authority to bind itself and such holder and owner to the terms of this modification.
THIS WRITTEN LOAN AGREEMENT REPRESENTS THE FINAL AGREEMENT
BETWEEN THE PARTIES AND MAY.NOT BE CONTRADICTED BY EVIDENCE OF .
PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF THE
PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE
PARTIES.
[Space Below This Line For Borrower Acknowledgement]
Date:
Borrower- GLORIA POPP
Date: / 4 1 10
Borrower- HOWARD W iUULTZ
[Space Below This Line For Corporate Acknowiedgementl
CHASE HOME FINANCE LLC
Lender
By:
Date: l J
WF 101 V2 2-23-10 LOAN MODIFICATION AGREEMENT-CHAMP ver.00]22010 12_25 23 Page 4 of 4 pages
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United General Title Insurance Company
Commitment Number. PFM06.00503
SCHEDULE C
PROPERTY DESCf4P'PiOlwf
The land rofenred to In this Commitment is described as follows:
ALL that certain piece,parcel or tot of land with the Improvements thereon erected situate in the North Ward of
the Borough of Newvlile,County of Cumberland and Comma realth of Pennsylvania,more partictAarty bounded
and described as follows,to wit
BOUNDED on the South by West Main Street bounded on the West by lot now or formerly of the Estate of E.W.
Shullenberger,bounded on the North by Cove Afley;and bounded on the East by lot formerly of Aaron
Burkholder,now or formerly of Fred Clark,
SAID lot contains Thirty-nine(39)feet In front on Main Street and is One Hundred Eighty 41W)feet in depth to
said Alley in the rear,be the same more or less.
BEING Improved with a two and one-half story frame and brick dwelling house known as and.numbered 63 and
65 West Main street.
BEING the same premises which Leroy C.Cohick,Administrator of the Estate of Jane F.Cohick,late,by deed
dated May 4,1973 and recorded May 7,1973 In Cumberland County in Deed Hook D25,Page 287,granted and
conveyed unto Fred A.Gordon and Mary L.Gordon,husband and wife,and Nora E.Seibert The said Nora E.
Seibert died on December 12,1978,at which case an excetodexcutft will be appointed to act on her behalf at
close,thereby vesting fee simple title unto Fred A_Gordon and Mary L.Gordon.
KNOWN as Tax Parcel No.27-20-1754-040
[ Certify this to be recorded
In Cumberland County PA
ALTA Com ftowd Krk;order of Deeds
Sohedufe C i
BK t 974PG5037
i
i
i
i
is
I
f �
Inst- 201309700 - page 1 of 4
CERTIFIED PROPERTY IDENTIFICATION W MBERS
27-20-1754-040 - NEwMILLE BOR4
CCGIS REGISTRY 03/27/2013 BY TB .
Prepared By/Return To:
E.Lance/NTC,2100 Alf,19 North,
Palm Harbor,FL 34683
(800)346-9152
Tax CoddPIN.27-20-1754-040
IIIIIIIIIIIIIIIIIil11111111111111111111111IN1111111111111
ASSIGNMENT OF MORTGAGE
Contact JPMORGAN CHASE BANK,N.A.for this instrument 780 Kansas Lane,Suite A,Monroe,LA
71203,telephone#(866)756-8747,which is responsible for receiving payments. '
FOR GOOD AND.VALUABLE CONSIDERATION,the sufficiency of which is hereby acknowledged, the
undersigned, FEDERAL DEPOSIT INSURANCE CORPORATION,AS RECEIVER OF WASHINGTON
MUTUAL BANK, WHOSE ADDRESS IS 700 Kansas Lane, MC 8000, MONROE, LA, 71203,
(ASSIGNOR),bx these presents does convey,grant,assign, transfer and set over the described Mortgage therein j
together with all Interest secured thereby,all liens,and.any rights due or to become due thereon to DEUTSCHE
BANK NATIONAL TRUST COMPANY, AS TRUSTEEF'OR LONG BEACH MORTGAGE LOAN
TRUST 2006-10, WHOSE ADDRESS IS 700 KANSAS LANE, MC 8000, MONROE, LA 71203
(866)756-5'747,ITS SUCCESSORS OR ASSIGNS,(ASSIGNEE).
Said Mortgage dated 09!21/2006,in the amount of$105,600.00 made by GLORIA POPP AND HOWARD W.
FOULTZ to WASHINGTON MUTUAL BANK recorded on 12/04/2006,in the Ofice of the Recorder of Deeds
of CUMBERLAND County,Pennsylvania,in Book 1974,Page 5021 (or Document#da)
See Exhibit attached for Assignments,Modifications etc
Property more commonly known as:63 WEST MAIN STREET BOPO.OF NEWVILLE,NSWV1114 PA 17241
This Assignment is made without recourse,representation or warranty,express or implied,by the FDIC in
its corporate capacity or as Receiver.
IN WITNESS WHEREOF,this Assignment is executed on v /_ 1 n013(MMIDD/YYYY)
FEDERAL DEPOSIT INSURANCE CORPORATION, AS RECEIVER OF WASHINGTON MUTUAL
BANK, by JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, its.Attorney-in-Fact (POA
RECORDED:09/20/2022 INSTR#:201228828)
By: _
4�_� VICE PRESIDENT
JPCAS 19227466 -®WAMU CJ4779980 Ni 71913033913 (C) MV&AI IPCAS2
I II[III VIII III II IN 111111111111111111111111111
•19227456'
. .... .. ...: .
c �
Inst. $ 201309700 - Page 2 of 4
STATE OF LOUISIANA PARISH OF OUACHI TA �yy ny l f E
On
--s2 )2013(MM/D1)Nyyy),before me appeared i
to me personally known, who did say that he/she/they is/are the VICE PRESIDENT of JPMORGAN CHASE
BANK, NATIONAL ASSOCIATION as Attorney-in-Fact for FBDFIUL DEPOSIT INSURANCE
CORPORATION, AS RECEIVER OF WASHINGTON MUTUAL BANK and that the instrument was signed on
behalf of the corporation (or association), by authority from its board of directors, and that he/shehhey
acknowledged the instrument to be the free act and deed of the corporation(or association).
Y.K 1NILSON
OUACKTA PAMSH.LOUtSiANA
Notary Public-State of LOUISIANA LIFETIME CgN►MlWfON
Commission expires:Upon My Death NOTARY IDA 084399
Assignment of Mortgage from:
FEDERAL DEPOSIT INSURANCE CORPORATION, AS RECEIVER OF WASHINGTON MUTUAL
BANK,WHOSE ADDRESS IS 700 Kansas Lane,MC 8000,MONROE,LA,71203,(ASSIGNOR),
to: j
DEUTSCHE BANK NATIONAL TRUST COMPANY,AS TRUSTEE FOR LONG BEACH MORTGAGE
LOAN TRUST 2006-10, WHOSE ADDRESS IS 700 KANSAS LANE, MC 8000, MONROE, LA 71203
(866)756-8747,ITS SUCCESSORS OR ASSIGNS,(ASSIGNEE)
Mortgagor.GLORIA POPP AND HOWARD W.FOULTZ i
When Recorded Retain To:
7PMorgan Chase Bank,NA
CIO NTC 2100 All.19 North
Palm Harbor,FL 34683
All that certain lot or piece of ground situated in
Mortgage Premise'63 WEST MAIN STREET KORO.OFNEWVILL*S
NEW VILLE,PA 17241
CUMBERLAND
(Borough Of Township,if stated),Commonwealth of Pennsylvania.
Being mororee particularly
2,described in
'd mortgage.
1. `�'�nv(t ^' &f rhe ,do certify that the precise address of the within named assignee
is:
DEUTSCHE BANK NATIONAL TRUST COMPANY, AS 'TRUSTEE FOR LONG BEACH MORTGAGE
LOAN TRUST 2006-10, WHOSE ADDRESS IS 700 KANSAS LANE, MC 8000, MONROE, LA 71203
(866)756-8747,ITS SUCCESSORS OR ASSIGNS,(ASSIGNEE)
By:
e r n v1, A f r C{ \ VICE PRESIDENT
19227466* WICAS 19227466 WAMU CJ4779980N1 71913033913 [C] FRMPAI_IPCAS2
!li�f�f fifilfil fiDf�fifi�fil fiidlfi fi�lfif lflll�ififil affil lllf
*19227466*
Inst. 0 202309700 - page 3 of 4 L
i
Assignment:JPMORGAN CHASE BANK,NATIONAL ASSOCIATION TO DEUTSCHE BANK
NATIONAL TRUST CO.,AS TRUSTEE FOR LONG BEACH MORTGAGE LOAN TRUST 2006-10 DATED
12-26-2008•EFFECTIVE DA'Z'E 11-17-2008-REC_01-21-2009 TNSTR#200903589
I IIII�I VIII lilll fIIII 11122 pill 11111 IIIA IIII IN
•19227466*
� ' . I .. .
Inst. a 201309700 - page 4 of 4
ROBERT P. ZIEGLER
RECORDER OF DEEDS
CUMBERLAND COUNTY .,
1 COURTHOUSE SQUARE
CARLISLE,PA 17013 - '~
717-240-6370
Instrument Number-201309700
Recorded On 3/27/2013 At 10:01:03 AM Total Pages-4
•Instrument Tppe-ASSIGNMENT OF MORTGAGE
Invoice Number-132588 User ID-KW
•Mortgagor-POPP,GLORIA
•Mortgagee-LONG BEACH MTG LOAMY TRUST 2006-10 -
•Customer-SIMPLIFILE LC&RECORDING
`FEES
STATE WRIT TAX 0.50 Certification Page
STATE JCS/ACCESS TO $23.50
JUSTICE
RECORDING FEES - $11.50 DO NOT DETACH
RECORDER OF DEEDS
PARCEL CERTIFICATION $10.00 This page is now part
FEES of this legal document.
COUNTY ARCHIVES FEE $2,00
ROD ARCHIVES FEE $3.00
TOTAL PAID $50.50
I Certify this to be recorded
in Cumberland County PA
° cv e
fl
RECORDER OF DEEDS
neo
x-Information denoted by an asterisk may cbange dva•ing
the verification process and may not be reflected on this page.
Exhlb-it "F "
F-
EXHIBIT"A"
ALL that certain piece, pa=l or lot of land with the improvements thereon i
erected siizrAte in the North Ward of the Bomb of Newville, County of
Cumberland and Conu'nonwealth ofPamsylvw3iamompardculxty boundedwd
dc='bed as follows,to wit:
BOUNDM on the South by West Main Street;bounded on the West by lot now
or formerly of the Estase of&W. Shudlenberger;bounded on the North by Cove
Alley; and bounded on the Fast by lot formerly of Aaron Burkholder, now or
formerly of Fred Clark,
SAID lot contains Thirty-nine (39) feet in front on. Main Street and is One
Hundred,Eighty(180)feet in depth to said Alley in the tear,be the same more or
less.
BEING improved with atwo and ono-dWstory frame ark brick dwelling house
known as and numbered 63 and 65 West main Street.
BEING thesame premises which Leroy C.Cohick,Administrator ofthe Estateof
Jane F. Cobick,late, by deed dated May 4, 1973 and recorded "7, 1973 in
Cumberland County in Decd Book D25,Page 287,granted and conveyed unto
Fred A.Gordon.and Mary L.t;'char,husband and wife,and Nota E.Seibert.The
said Nora E.Seibert died on bcc tuber 12, 1978 thereby Nesting fec simple title
unto Fred A.Gordon and Mary L. Gordon.
KNOWN as Tax Parcel No. 27-20-1754-044
Page 5 of 5
Exhibit " G"
select Portfolio Servicing
PO BOX 65250
Salt Lake City, '{T1`
84165-0250
9171 9010 7643 2002 4466 86
i
HOWARD W FOULTZ
65 W MAIN S`I'
NEWVILLE, PA 17241
00006018000506010500
i..
SEI ICINIG',%rM
i
HOWARD W FOULTZ
65 W MAIN ST
NEWVILLE,PA 17241
i
Li ;y, 00006017000604010500
Date:July 8,2013
i
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR DOME FROM
FORECLOSURE
This is an official notice that the mortijage on your home is in default, and the lender intends
to foreclose. Specific information about the nature of the default is provided in the attached
pages
The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
(HEMAP) may be able to help to save your home. This Notice explains how the program
works. To see if HEMAP can help,you must MEET WITH A CONSUMER CREDIT
COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take
this Notice with you when you meet with the CounselinIZ Agency.
The name, address and phone number of Consumer Credit Counseling Agencies serving
your County are listed at the end of this Notice.If you have any questions,you may call the
Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (Persons with impaired
hearing can call (717) 780-1869).
This Notice contains important legal information. If you have any questions, representatives
at the Consumer Credit Counseling Agency may be able to help explain it.You may also
want to contact an attorney in your area. The local bar association may be able to help you
find a lawyer.
LA NOTIFICACIO'N EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU
DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL
CONTENIDO DE ESTA. NOTIFICACIO'N OBTENGA UNA TRADUCCIO'N
INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING
FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE
SER ELEGIBLE PARA UN PRE'STAMO POR EL PROGRAMA LLAMADO
"HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL
PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU
HIPOTECA.
, ;r;: 00006016000506020500
HOMEOWNER'S NAME(S): HOWARD W FOULTZ
PROPERTY ADDRESS: 63 W MAIN ST
NEW VILLE,PA 17241
LOAN ACCT.NO.:
ORIGINAL LENDER: Washington Mutual Bank,FA
CURRENT LENDER/SERVICER: Select Portfolio Servicing,Inc.
I
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE j
WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND '
HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR
EMERGENCY MORTGAGE ASSISTANCE:
• IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND
YOUR CONTROL,
• IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR
MORTGAGE PAYMENTS,AND
• IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY
THE PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay
of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days
for mailing). During that time you.must arrange and attend a "face-to-face" meeting with one of the
consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST
OCCUR WITHIN THIRTY-THREE (33)DAYS OF THE DATE OF THIS NOTICE. IF YOU
DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING
YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE
YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO
DATE.
CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer
credit counseling agencies listed at the end of this notice, the lender may NOT take action against
you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers
of designated consumer credit counseling agencies for the county in which the property is located
are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting.
Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE--Your mortgage is in default for the reasons
set forth later in this Notice (see following pages for specific information about the nature of your
default). You have the right to apply for financial assistance from the Homeowner's Emergency
Mortgage Assistance Program.
To do so, you must fill out, sign and.file a completed Homeowner's Emergency Assistance Program Application
with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer
credit counseling agencies have applications for the program and they will assist you in submitting a complete
application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a
foreclosure action, your application MUST be forwarded to PHFA and received within thirty (30) days of your
face-to-face meeting with the counseling agency.
YOU SHOULD FILE A HEM" APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING
WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE
AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE
LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST
YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF
FORECLOSURE."
YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS.A
LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A. FORECLOSURE
ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A
SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED.
AGENCY ACTION--Available funds for emergency mortgage assistance are very limited. They will be
disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance
Agency has sixty(60)days to make a decision after it receives your application. During that time,no foreclosure
proceedings will be pursued against you if you have met the time requirements set forth above. You will be
notified directly by the Pennsylvania Housing Finance Agency of its decision on your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN
BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES
ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT:TO COLLECT THE DEBT.
f you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date).
NATURE OF THE DEFAULT--The MORTGAGE debt held by the above lender on your property located at:
63 W MAIN ST
NEWVILLE,PA 17241.
IS SERIOUSLY IN DEFAULT because:
A_ YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the
following amounts are now past due:
•_i^.�»:zi�':� r?5_-•.i'.:�._�5:::"i::•�-._......... .. .•.,:'-- s• ...-'-.��-- ..�.•......d.....3:1:1:'.�G�_._.._...,._�'-•................��`^�11-,-.......r'c::�� ._=%=•.:}.':ti»^�C^"•:I.�.C't:
•-•=.1.1:f9-:-.::n[L..a:c:r'• L';a'1•s-(^- i°.1.S:rY.:..�'....Td.G-::..,...
s..^....._.r.:y...., :.:.-:.,...__.n}s.z..-;..:r`•,._r....,t�..:..Er.,a:^:c;?F.i»�:;g�::rs':�^rs-_q'r.'-�•i'a'-•:
'. ...;.._..._-usae- .-. ....:il:nr+Ez.___.. ....,..�,ya..««, - t.-.. r,�si•".:i-:Fe«tS:tJ.i:::_........ti.::.t::c_.:-�:`:-..::i_.�..�...............:..r,":::c:j'- - ":'�'.4_.;:?:1et
'. yip -i:--t .-.a.^Y.:Gt... - - ♦._._4......:.:::"}::�:�n.R.t_«_4.«!:a:::3••.LYS,...�-1....y.�:ct^�^.C..._;•-:••S'--C.-•��•_-�.-t.:S....��...::.:Y'iJ.,S..Y..^.::«":':::::i:.,.._.rR..':'::.':«:�^.Si�:•-«:5��^:•L•'::�.�i�..._�--
ti ..:E k:........y^ .- -^'.!���y'-:»:.'�:��'__-"._:CiEi i._�."2t'_�:.ii�:�« GG ...-:-..:.:•.-...R.E.n...._y«:'.--:..}«...C..y.. _.}...._•, _
�td�:- � _ ....... •._.....__,.-•�-� ::¢tea= ���..,�__-_ -
Payment due for 11101!2012 $ 9}768.06
Total amount due includes Escrow Payments (Taxes/Insurance).
Your current monthly escrow payment is $331.58
Accrued Late Charges 226.15
Advances made on Customer's behalf 116.00
Escrow advance balance (Deficit) 0.00
Total Amount Outstanding $ 10,110.21
Unapplied balance • 0.00
._...�_�.�yy.��.-7_�ar..•**:,- - yy����pprr •� y� yy+w+r ii :}ry:y,.{r'J:�:.:3 ':r,. -;;,�,yy�c-.�,•�_c,�[.y-�f ..:�?�'�c_c-3.?!' ' c��iz si�ap�� -
>^::'7` YR171 '/:77H1313.1'� �T3iJa `T�L''*!.► Ir-h!!3•Lam:
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vu ,. 00006018000506030500
HOW TO CURE THE DEFAULT--You may cure the default within THIRTY (30) DAYS of the date of this
notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH 1S $10,110.21 ,
PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE
THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money
order made payable and sent to:
Select Portfolio Servicing,Inc.
PO BOX 65450
Salt Lake City,UT 84165-0450
IF YOU DO NOT CURE THE DEFAULT--If you do not cure the default within THIRTY (30)DAYS of the
date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that
the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to
pay the mortgage in monthly installments. If full payment of the total amount past due is not made within
THIRTY (30) DAYS,the lender also intends to instruct its attorneys to start legal action to foreclose upon your
mortgaged property.
IF THE MORTGAGE IS FORECLOSED UPON--The mortgaged property will be sold by the Sheriff to pay
off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the
lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that
were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay
all reasonable attorneys fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will
be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the
default within the THIRTY(30)DAY period,you will not be required to pay attorney's fees.
OTHER LENDER REMEDIES--The lender may also sue you personally for the unpaid principal balance and
all other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE--If you have not cured the default within
the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the
default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the
total amount then past due,plus any late or other charges then due,reasonable attorney's fees and costs connected
with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the
lender and by performing any other requirements under the mortgage. Curing your default in the manner set
forth in this notice will restore your mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE--It is estimated that the earliest date that such a Sheriffs
Sale of the mortgaged property could be held would be approximately six (6) months from the date of this
Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount
needed to cure the default will increase the longer you wait. You may find out at any time exactly what the
required payment or action will be by contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender: Select Portfolio Servicing,Inc.
Address: P.O.Box 65250
Salt Lake City,UT 84165-0250
Phone Number: (888) 818-6032
Fax Number: (801)293-3936
Contact Person: Jennifer Coleman
RO_
i
EFFECT OF SHERIFF'S SALE--You should realize that a Sheriffs Sale will end your ownership of the
mortgaged property and your right to occupy it. If you continue to live in.the property after the Sheriffs Sale, a
lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE--You may or X may not (CHECK ONE) sell or transfer your
home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments,
charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the
mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
• TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
• TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF_
• TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT
TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.)
• TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING
OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
• TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY
THE LENDER.
• TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
00006018000506040500
HEMAP Consumer Credit Counseling Agencies
CUMBERLAND County
Report last updated:09/10/2012 05:11 PM i
Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region
2000 Linglestown Road 1514 Derry Street
Harrisburg,PA 17102 Harrisburg,PA 17104
888-511-2227 717-232-9757
Housing Alliance of York/Y Housing Resources Maranatha
290 West Market Street 43 Pbiladelphia Avenue
York,PA 17401 Waynesboro,PA 17268 i
717-855-2752 717-762-3285
PA Interfaith Community Programs Inc PHFA
40 E High Street 211 North Front Street
Gettysburg,PA 17325 Harrisburg,PA 17110 j
717-334-1518 717-780-3940 800-342-2397
4 ;r_ 00006018000506050500
Select Portfolio Servicing
PO BOX 65250
Salt Lake City, UT
84165-0250
9171 9010 7643 2002 4466 79
GLORIA POPP
65 W MAIN ST
NEWVILLE, PA 17241
i
rm VIS
000060418000505010500
SELECT i
P.. �
i
i
' GLORIA POPP
65 W MAIN ST
NEWVILLE,PA 17241
I
i
,. - 00006036000357010500
j
Date: July 8,2013
ACT 91 NOTICE
TAKE ACTION TO SAVE
,YOUR HOME FROM
FORECLOSURE
This is an official notice that the mortgage on your home is in default, and the lender intends
to foreclose. Specific information about the nature of the default is provided in the attached
pages
The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
(HEMAP) may be able to help to save your home This Notice explains how the program
works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT
COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take
this Notice with you when you meet with the Counseling Agency,
The name, address and phone number of Consumer Credit Counseling Ajzencies serving
your County are hsted at the end of this Notice If you have any questions, you may call the
Pennsvlvania Housing Finance Agency toll free at 1-800-342-2397 (Persons with impaired
hearing can call (717) 780-1869).
This Notice contains important legal information. If you have any questions, representatives
at the Consumer Credit Counseling Agency may be able to help explain it.You may also
want to contact an attorney in your area. The local bar association may be able to help you
find a lawyer.
LA NOTIFICACIO'N EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU
DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL
CONTENIDO DE ESTA NOTIFICACIO'N OBTENGA UNA TRADUCCIO'N
INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING
FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE
SER ELEGIBLE PARA UN PRE'STAMO POR EL PROGRAMA LLAMADO
"HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL
PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDlMIR SU
HIPOTECA.
` ` _ 00008018000505020500
HOMEOWNER'S NAME(S): GLORIA POPP
PROPERTY ADDRESS: 63 W MAIN ST
NEWVILLE,PA 17241
LOAN ACCT.NO.:
ORIGINAL LENDER: Washington Mutual Bank,FA
i
CURRENT LENDER/SERVICER: Select Portfolio Servicing,Inc.
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE
WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND
HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR
EMERGENCY MORTGAGE ASSISTANCE:
• IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND
YOUR CONTROL,
• IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR
MORTGAGE PAYMENTS, AND
• IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS. ESTABLISHED BY
THE PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay
of foreclosure on your mortgage for thirty(30) days from the date of this Notice (plus three (3) days
for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the
consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST
OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE IF YOU
DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING
YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE
YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO
DATE.
CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer
credit counseling agencies listed at the end of this notice, the lender may NOT take action against
you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers
of designated consumer credit counseling agencies for the county in which the property is located
are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting.
Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE--Your mortgage is in default for the reasons
set forth later in this Notice (see following pages for specific information about the nature of your
default). You have the right to apply for financial assistance from the Homeowner's Emergency
Mortgage Assistance Program.
t
To do so,you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application
with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer
credit counseling agencies .have applications for the program and they will assist you in submitting a complete
application to the Pennsylvania Housing Finance Agency, To temporarily stop the lender from filing a
foreclosure action, your application MUST be forwarded to PHFA and received within thirty(30) days of your
face-to-face meeting with the counseling agency.
YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING
WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE
AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE
LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST
YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF
FORECLOSURE."
YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A
LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE
ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A
SHERIFF'S SALE,THE FORECLOSURE WILL BE STOPPED.
AGENCY ACTION—Available funds for emergency mortgage assistance are very limited. They will be
disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance
Agency has sixty (60)days to make a decision after it receives your application. During that time,no foreclosure
proceedings will be pursued against you if you have met the time requirements set forth above. You will be
notified directly by the Pennsylvania Housing Finance Agency of its decision on your application.
NOTE:IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN
BANKRUPTCY,THE FOLLOWING PART OF TRIS NOTICE IS FOR INFORMATION PURPOSES
ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.
You have filed bankruptcy ou can still apply for Emergency Mortgage Assistance.
HOW TO CURE YOUR MORTGAGE DEFAULT Bring it up to date).
NATURE OF THE DEFAULT--The MORTGAGE debt held by the above lender on your property located at:
63 W MAIN ST
NEWVILLE,PA 17241
IS SERIOUSLY IN DEFAULT because:
A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the
following amounts are now past due:
tt�l�l�atldniY�l�=���a�I�8 7u►t��d-Ra£�#�' _ __:�:...__.._.�.::�--__....._._�_____.n.,,,.. � _.__. .,._ -
::.,� ...ane-:._ .:na.ct;i�s.,,-;'--r--''`:--.._.:u_:=�-•____.�:-.:�r.�._--_....��e.>r`tc�;_.�.'-`t:d;?:_ra.�•::�a.•s.-c�»eo_e-...._:-.^.._ .».:.•_. .....t...-._- ,.r..u,.,.-.,i__-v9't�.nmr.:a::-.:.:•e:=.�:r,:
.k: .�.. _ n.t......::ea:r».err_-,.�:.-::-mcr..::.t-ta::usmu:. ..ice:::rrs:r..,m,..-_..:._d::r--_::_::.»==='h•iia:_as�;...._.
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_. -___.__ pi'3�'_L'�:����17�-a�i =���. _..�-::�::�_�t:��..-�:._-.__=�n�_�:�.:_�;:::—��+cp>;.;�-� �z�r�-�;...:_:`-.-:,•r, _ �:t:�::t:•
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... .._..e...v......t.._._�_.__y-•........__..__...»-._.__. e—i-....._....._.._:..^..-_ ..R._.«... L•::•.•�SrJL••�'��i::::�tt�..lT�IC::S:Y. -_ _-� _- _
0...,J__«_ •�•••
Payment due for 11/01/2012 $ 9,768.06
Total amount due includes Escrow Payments (Taxes/Insurance),
Your current monthly escrow payment is$331.58
Accrued Late Charges 226.15
Advances made on Customer's behalf 116.00
Escrow advance balance(Deficit) 0.00
Total Amount Outstanding $ 10 118.21
Unapplied balance
0.001
AtJLT� LINE
:an iu�
'`-"= 00006018000505030500
i
HOW TO CURE THE DEFAULT--You may cure the default within THIRTY (30) DAYS of the date of this
notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $10,110.21 ,
PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE
THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check, certified check or money
order made payable and sent to. j
Select Portfolio Servicing,Inc.
PO BOX 65450
Salt Lake City,UT 84165-0450
IF YOU DO NOT CURE THE DEFAULT--If you do not cure the default within THIRTY(30)DAYS of the
date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that
the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to
pay the mortgage in monthly installments. If full payment of the total amount past due is not made within
THIRTY (30)DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your
mortgaged property.
IF THE MORTGAGE IS FORECLOSED UPON--The mortgaged property will be sold by the Sheriff to pay
off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the
lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that
were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay
all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will
be addedto the amount you owe the lender, which may also include other reasonable costs. If you cure the
default within the THIRTY(30)DAY period,you will not be required to pay attorney's fees.
OTHER LENDER REMEDIES--The lender may also sue you personally for the unpaid principal balance and
all other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE--If you have not cured the default within
the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the
default and prevent the sale at any time up to one hour before the Sheriffs Sale You may do so by paying the
total amount then past due,plus any late or other charges then due,reasonable attorney's fees and costs connected
with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified m writing by the
lender and by performing any other requirements under the mortgage Curing your default in the manner set
forth in this notice will restore your mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE--It is estimated that the earliest date that such a Sheriffs
Sale of the mortgaged property could be held would be approximately six (6) months from the date of this
Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course,the amount
needed to cure the default will increase the longer you wait. You may find out at any time exactly what the
required payment or action will be by contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender: Select Portfolio Servicing,Inc.
Address: P.O. Box 65250
Salt Lake City,UT 84165-0250
Phone Number: (888) 818-6032
Fax Number: (801)293-3936
Contact Person: Jennifer Coleman
EFFECT OF SHERIFF'S SALE--You should realize that a Sheriffs Sale will end your ownership of the
mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a
lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE--you may or X may not (CHECK ONE) sell or transfer your
home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments,
charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the
mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
i
• TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
• TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
• TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT
TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.)
• TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING
OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
• TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY
THE LENDER.
• TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
_.-.. 00006018000505040500
F.
MAP Consumer Credit CounselingAgencies
CUMBERLAND County
Report Inst updated:09/10=12 05:11 PM
Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region
2000 Linglestown Road 1.51.4 Derry Street
Harrisburg,PA 17102 Harrisburg,PA 17104
888-511-2227 717-232-9757
Housing Alliance of York/Y Housing Resources Maranatha
290 West Market Street 43 Philadelphia Avenue
York,PA 17401 Waynesboro,PA 1.7268
717-855-2752 717-762-3285
PA Interfaith Community Programs Inc pHYA
40 E High Street 211 North Front Street
Gettysburg,PA 17325 Harrisburg,PA 17110
717-334-1518 717-780-3940 800-342-2397
OR
` 00006018000505050500
I
1664 THE COURTS
FORM 1
Deutsche Bank National Trust Company, as IN THE COURT OF COMMON PLEAS
Trustee,in trust for registered.Holders of Long CUMBERLAND COUNTY,
Beach Mortgage Loan Trust 2006-10,Asset- PENNSYLVANIA
Backed Certificates, Series 2006-10
3815 South West Temple
Salt Lake City,UT 84115,
CIVIL
Plaintiff,
Vs.
Gloria Popp
65 W Main St
Newville,PA 17241, _
and M Com— r� -
�r cv �
Howard W. Foultz Z—
65 W Main StCD
Newville, PA 17241, s`-
Defendants
NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE
DIVERSION PROGRAM
You have been served with a foreclosure complaint that could cause you to lose your
home.
If you own and live in the residential property which is the subject of this foreclosure
action,you may be able to participate in a court-supervised conciliation conference in an effort to
resolve this matter with your lender.
If you do not have a lawyer,you must take the following steps to be eligible for a
conciliation conference.First,within twenty(20) days of your receipt of this notice,you must
contact MidPenn Legal Services at(717)243-9400 extension 2510 or(800) 822-5288 extension
2510 and request appointment of a legal representative at no charge to you, once you have been
appointed a legal representative,you must promptly meet with that legal representative within
twenty(20) days of the appointment date. During that meeting, you must provide the legal
representative within twenty(20) days of the appointment date. During that meeting,you must
provide the legal representative with all requested financial information so that a loan resolution
proposal can be prepared on your behalf. If you and your legal representative complete a
financial worksheet in the format attached hereto,the legal representative will prepare and file a
PENNSYLVANIA BULLET)N,VOL.42,NO.13,MARCH 31,2012
I I . .
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
Mi.dPenn 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.
r e e tfally submitted:
Date Rob W. Williams,Esquire
Milstead&Associates,LLC
1 E. Stow Road
Marlton,NJ 08053
856-482-1400
856-482-9190 (f)
PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31.,2012
A
1
THE COURTS 1665
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:
KIMM ..
Borrower name(s):
Property Address:
City: State: Zip:
Is the property for sale? Yes❑No❑ Listing date:_ Price:$
Realtor Name: Realtor Phone:
Borrower Occupied? Yes❑No❑
Mailing Address(if different):
City: State: Zip:
Phone Numbers: Home: Office:
Cell: Other:
Email:
#of people in household: How long?
Mailing Address:
City: State: Zip:
Phone Numbers: Home: Office:
Cell: Other:
Email:
#of people in household: How long?
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❑
8.35459
PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31.,2012
A .
I
1666 THE COURTS
If yes,provide names,location of court,case number&attorney:
Assets Amount Owed.: Value:
Home: $ $
Other Real Estate: $ $
Retirement Funds: $ $ I
Investments: $ $
Checking: $ $
Savings: $ $
Other: $ $
Automobile#1:Model: Year:
Amount Owed: Value:
Automobile#2:Model: Year:
Amount Owed: Value:
Other transportation(automobiles,boats motorc cle . Model:
Year: Amount Owed: Value
Monthly Income
Name of Employees:
1.
2.
3.
Additional Income Description(not wages):
1. monthly amount:
2. monthly amount-
Borrower Pay Days: Co-Borrower Pay Days:
Monthly Expenses:(Please only include expenses you are currently paying)
EXPENSE AMOUNT EXPENSE AMOUNT
Mortgage Food
2nd Mortgage Utilities
Car Payment(s)) Condo/Neigh.Fees
Auto Insurance Med_(not covered)
Auto fuel/repairs Other prop.payment
Install.Loan Payments Cable TV
Child Su ort/Alim. Spending Money
Day/Child Care/Tuit. 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:
8.35459 2
PENNSYLVANIA BULLETIN,VOL.42,NO.1.3,MARCH 31,2012
i
THE COURTS 1667
Email:
Have you made application for Homeowners Emergency Mortgage Assistance Program(HEMAP)assistance?
Yes ❑ No ❑
If yes,please indicate the status of the application:
Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your
delinquency?
Yes ❑ No ❑
If yes,please indicate the status of those negotiations:
Please provide the following information,if know,regarding your lender or lender's loan servicing company:
Lender's Contact(Name): Phone:
Servicing Company(Name):
Contact: Phone:
AUTHORIZATION-
I/We,
authorize the above
named to use/refer this information to my lender/servicer for the sole purpose of
evaluating my financial situation for possible mortgage options.I/We understand that I/we am/are under no
obligation to use the services provided by the above named
Borrower Signature Date
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 Ietter)
✓ Listing agreement(if property is currently on the market)
8.35459
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Cirou CIF 11-1F
_-MTHONOT��`
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211 SEP � p� 3�
,,\,w-. ~^ ' � ~ �°
CUMBERLAND COUNTY
PENNSYLVANIA
-
OFFICE OF THE SliERIFF
Deutsche Bank National Trst Company
VS.
Gloria Popp (et al.)
Case Number
2014-4877
SHERIFF'S RETURN OF SERVICE
08/26/2014 03:12 PM - Deputy Jason Kinslerbeing duly sworn according to law, served the requested Notice of
Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by
"personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Ellen
Foultz, Occupant at 65 West Main Street, Newville Borough, Newville, PA 17241.
-~��
—`---v' ^
JON KINSLER, DEPUTY
08/26/2014 03:12 PM - Deputy Jason Kinslerbeing duly sworn according to lawserved the requested Notice of
Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by
"personally" handing a true coto a person representing themselves to be the Defendant, to wit:
Howard W Foultz at 65 West Main Street, Newville Borough, Newville, PA 17241.
JR N KINSLER, DEPUTY
08/27/2014 02:59 PM - Deputy Dennis Fry, being dulserved the requested Notice of
Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by
"personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Gloria
Popp at 35 Eastgate Dr, Apt 201, South Middleton Township, Cadio|e, PA 17013.
DENN S FRY, DEP
SHERIFF COST: $74.34 SO ANSWERS,
August 28, 2014 RON R ANDERSON, SHERIFF
(C) CountySuilo Sheriff: Teleosoll, Inc.