HomeMy WebLinkAbout14-5250 Supreme Consylvania
Collil chmo leas For Prothonotary Use Only:
.A 1 1rSh ,
t
Docket No:
CU E
County
I - - I )
The information collected on this form is used solely for court administration purposes. This form does not
supplement or replace the filing and senice ofpleadings or otherpapers as required by law or rules of court.
Commencement of Action:
Complaint Writ of Summons 0 Petition
S Transfer from Another Jurisdiction 0 Declaration of Taking
E
C Lead Plaintiffs Name: Lead Defendant's Name:
Bank Of America, N.A. Unknown Heirs, Successors, assigns and all persons, fiff
T
Dollar Amount Requested: ®within arbitration limits
Are money damages requested? E3 Yes No (check one) Moutside arbitration limits
0
N Is this a Class Action Suit? [3 Yes [0 No Is this an MDJAppeal? (:1 Yes El No
A Name of Plaintiff/Appellant's Attorney: Amanda Rauer Esquire.
Check here if you have no attorney(are a Self-Represented fPro Sel Litigant)
Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your
PRIMARY CASE. If you are making more than one type of claim,check the one that
you consider most important.
TORT(do not include Mass Tort) CONTRACT(do not include judgments) CIVIL APPEALS
[3 Intentional 0 Buyer Plaintiff Administrative Agencies
Malicious Prosecution 0 Debt Collection:Credit Card 11 Board of Assessment
[3 Motor Vehicle M Debt Collection:Other [3 Board of Elections
Nuisance 0 Dept.of Transportation
Premises Liability 0 Statutory Appeal:Other
S Product Liability(does not include
mass tort) [3 Employment Dispute:
E
0 Slander/Libel/Defamation Discrimination
0
C [3 Other: Employment Dispute:Other n Zoning Board
T Other:
rl Other:
Q MASS TORT
M Asbestos
N 13 Tobacco
13 Toxic Tort-DES
[3 Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS
[3 Toxic Waste 0 Ejectment [3 Common Law/Statutory Arbitration
[3 Other: rl Eminent Domain/Condemnation ® Declaratory Judgment
C3 Ground Rent Mandamus
[I Landlord/Tenant Dispute R Non-Domestic Relations
nX Mortgage Foreclosure:Residential Restraining Order
PROFESSIONAL LIABLITY 0 Mortgage Foreclosure:Commercial rJ1 Quo Warranto
[3 Dental 0 Partition
Replevin
[3 Legal
C] Quiet Title Other:
[3 Medical r-1 Other:
E3 Other Professional:
Updated 11112011
UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF
BY: MARK J. UDREN, ESQUIRE - ID#04302
STUART WINNEG,ESQUIRE - ID#45362 r�
LORRAINE GAZZARA DOYLE,ESQUIRE - ID#34576
SHERRI J. BRAUNSTEIN,ESQUIRE - ID#90675
ELIZABETH L. WASSALL, ESQUIRE - ID#777881
CD
JOHN ERIC KISHBAUGH,ESQUIRE - ID#33078 c4
NICOLE B. LABLETTA, ESQUIRE - ID#202194
DAVID NEEREN, ESQUIRE - ID#204252 -) _ =
c
AMANDA RAUER, ESQUIRE - ID#307028 C c
WOODCREST CORPORATE CENTERi '
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003-3620
856-669-5400 pleadings@udren.com
Bank of America, N.A. COURT OF
C/O Bank of America,N.A., as successor COMMON PLEAS
by merger to BAC Home Loans Servicing,
LP CIVIL DIVISION
16001 North Dallas Parkway CUMBERLAND
Addison, TX 75006 County
Plaintiff ^� x
V. NO.
UNKNOWN HEIRS,SUCCESSORS,ASSIGNS AND ALL
PERSONS,FIRMS OR ASSOCIATIONS CLAIMING RIGHT,
TITLE OR INTEREST FROM OR UNDER JANE L.FIRESTONE
1851 SPRING RD
CARLISLE (NORTH MIDDLETOWN TOWNSHIP),PA 17013
STEPHANIE HERSHEY,KNOWN HEIR OF JANE L.FIRESTONE
1851 SPRING RD
CARLISLE (NORTH MIDDLETOWN TOWNSHIP),PA 17013
BARRY R FIRESTONE
1851 SPRING RD
CARLISLE,PA 17013
JANE L.FIRESTONE,LAST RECORD OWNER
1851 SPRING RD
CARLISLE,PA 17013
Defendant(s)
COMPLAINT IN MORTGAGE FORECLOSURE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this Complaint and Notice
are served, by entering a written appearance personally or by attorney and filing in writing with
0
1. Plaintiff is Bank of America, N.A.. Plaintiff is the legal holder of the Mortgage that
is the subject of this Action. Plaintiff is either the current mortgagee of record, is the
legal holder of the Mortgage by virtue of being successor in interest to the current
mortgagee of record, or is the legal holder of the Mortgage by virtue of Assignment of
Mortgage. If Plaintiff is the legal holder of the Mortgage by virtue of Assignment of
Mortgage, it is by the following Assignments of Mortgage, all of which have either
been recorded or Plaintiff is in the process of formalizing the actual Assignment of
Mortgage in Plaintiffs favor:
Assignor: Mortgage Electronic Registrations Systems,Inc.as nominee for Quicken Loans,Inc.
Assignee: Bank of America,N.A.
Date of Assignment: 07/26/2013
Recorded Date: 07/29/2013
Book/Instrument#: Instrument#201324845
Page: n/a
The promissory note is endorsed by Plaintiff, or endorsed in blank and Plaintiff or its
agent has possession of the note.
2. Upon information and belief Defendant(s) and/or their predecessor:
Barry R Firestone,Jane L. Firestone
(hereinafter "Defendants"), are the owners of property located at 1851,SPRING RD,
CARLISLE (NORTH MIDDLETOWN TOWNSHIP),PA 17013 ,by virtue of Deed
dated 12/21/1994 and recorded 01/03/1995 in Official Records Book 116 at Page 1189
of the Public Records of Cumberland County, Pennsylvania(hereinafter the
"Property")
2(A) UNKNOWN HEIRS,SUCCESSORS,ASSIGNS AND ALL PERSONS,FIRMS OR
ASSOCIATIONS CLAIMING RIGHT,TITLE OR INTEREST FROM OR UNDER JANE L.
FIRESTONE; STEPHANIE HERSHEY, KNOWN HEIR OF JANE L.FIRESTONE ARE
DEFENDANTS BY VIRTUE OF A POTENTIAL INTEREST IN THE PROPERTY.
3. On 10/26/2009 , Defendant(s) and/or their predecessor:
BARRY R FIRESTONE
promised to pay to the order of Quicken Loans,Inc. , the principal sum of $
116,707.00 payable with interest thereon provided in the Note.
4. By Mortgage dated 10/26/2009 , Defendant(s) and/or their predecessor:
BARRY R FIRESTONE
JANE L. FIRESTONE
to secure the Note, mortgaged to Mortgage Electronic Registrations Systems,Inc.
as nominee for Quicken Loans,Inc.
the Property which is the subject of this action. The Mortgage was recorded on
11/13/2009 in Official Records Book Instrument#200938264 at Page n/a . Said
Mortgage is incorporated herein by referenced in accordance with Pa.R.C.P 1019(g).
A legal description of the mortgage premises is attached hereto and made a part
hereof.
5. Said mortgage is in default in that the payment due 03/01/2014, and all subsequent
payments have not been made, and by its terms, upon breach and failure to cure said
breach after notice, all sums secured by said Mortgage, together with the other charges
authorized by said Mortgage and itemized below, shall be immediately due.
6. After demand, the Defendant(s) continues to fail or refused to comply with the terms of
the Mortgage as follows:
(a) By failing or refusing to pay the installments of principal and interest when due in
the amounts indicated below;
(b) By failing or refusing to pay other charges, if any, indicated below.
The following amounts are due on the said Mortgage or modification agreement as of the
date stated below
Unpaid Principal Balance $108,745.52
Accumulated Interest(From 02/01/2014 to
07/31/2014) $2,718.66
Accumulated Late Charges $193.00
Credits $-535.39
Grand Total $111, 121.79
The above figures are calculated as of 07/31/2014:
The interest rate is subject to adjustment if more fully described as such in the note and
mortgage. The interest rate on the subject note is at 5.00000 %. The per diem interest accruing
on this debt is $453.1000 and that sum should be added each day after the above date.
7. Breach letters have been sent to Defendant(s) in accordance with the requirements of
the subject mortgage and/or The Pennsylvania Act 6 of 1974 of the Commonwealth of
Pennsylvania and, if applicable, Act 91 of 1983. Copies of the breach letters are attached
hereto as Exhibit "A"
WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant(s) herein in the
sum of$111,121.79 plus ongoing interest, costs and attorneys fees and for sale of the Mortgaged
premises.
UDREN AW IGES, P.C.
BY:
AMANDA L. 1.9ER, SQDIRE
PA, LD. # 307023
UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF
WOODCREST CORPORATE CENTER
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003-3620
856-669-5400 pleadings@udren.com.
Bank of America, N.A. COURT OF COMMON PLEAS
Plaintiff CIVIL DIVISION
CUMBERLAND County
V.
BARRY R FIRESTONE NO.
1851 SPRING RD
CARLISLE,PA 17013
JANE L. FIRESTONE
1851 SPRING RD
CARLISLE,PA 17013
Defendant(s)
- VERIFICATION
m l t kA o"I to P , hereby states that he/Fe is
&ss' �uz-�-yic.c of Bank of America, N.A., Plaintiff in this matter, that
he/ he is authorized to make this Verification, and verify that the statements made in the
foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of hi er
knowledge, information and belief.
The undersigned understands that this statement is made subject to the penalties of 1.8 Pa. C.S.
Section 4904 relating to unsworn falsification to authorities.
Date: t
Name: tG�,o,v,, Moh $ue Jcanfi �'"9
Title: Vi c�G t�res�d
Company: bgviy
MJU#: 14020423 CASE#: 14020423-2
EXHIBIT A-LEGAL DESCRIPTION
Tax ID Number(s):29-17-1585-135
Lend situated in the Township of North Middleton in the County of Cumberland In the
State of PA
BEGINNING AT A POINT ON THE EASTERN SIDE OF HIGHWAY ROUTE NO.34;
THENCE IN AN EASTERLY DIRECTION BY LAND NOW OR FORMERLY OF
CHARLES KINGSBOROUGH,201A3 FEET;THENCE IN A SOUTHERLY
DIRECTION 101.04 FEET;THENCE IN A WESTERLY DIRECTION 200 FEET TO A '
POINT ON THE EASTERN SIDE OF HIGHWAY ROUTE NO.34 AFORESAID; AND
THENCE IN A NORTHERLY DIRECTION ALONG THE EASTERN SIDE OF SAID
HIGHWAY 125 FEET TO THC PLACE OF BEGINNING;AND BEING LCAT NO,4,LOT
NO,3 AND THE NORTHERN HALF OF LOT NO.2 OF BLOCK"B"OF THE PLAN
OF LOTS KNOWN AS BASIN HILL HEIGHTS.
BEING LOT NO.4, LOT NO.3 AND THE NORTHERN HALF OF LOT NO,2,ALL OF
BLOCK"B"OF THE PLAN OF LOTS KNOWN AS BASIN BILL HEIGHTS,AS
RECORDED IN THE OFFICE OF THE RECORDER OF DEEDS FOR CUMBERLAND
COUNTY IN PLAN BOOK 4, PAGE 37 AND BEING SUBJECT TO THE BUILDING
AND UCO CONDITIONS AND RESTRICTIONS APPLICABLE THERETO.
Commonly known as: 1851 Spring Road, Carlisle, PA 17013
l
I
�U08995299�
1832 11/9/2009 78063922/1
Page 7 of$
Bankof America
Home Loans PRESORT
First-Class Mail
PO Box 9048 U.S.Postage and
Temecula,CA 92589-9048 Fees Paid
WSO
9314 7100 1170 0738 1059 67
Return Receipt Requested
Send Payments to:
PO Box 15222
Wilmington,DE 19686-5222
Send Correspondence to: 20140430-213
PO Box 5170
Simi Valley,CA 93062-5170
BARRY R FIRESTONE
1851 Spring Rd
Carlisle, PA 17013-1152
BREACHPA{CM}
Exhibit A
April 30, 2014
Sent Certified Mail
9314 7100 1170 0738 1059 67
Return Receipt Requested
BARRY RFIRESTONE
Account No.:
1851 Spring Rd
Carlisle, PA17O13'1152
NOTICE OF INTENT TO FORECLOSE MORTGAGE
Dear BARRY RFIRESTONE,
The MORTGAGE held by BANK OF AMERICA, N.A. and serviced by Bank of America, N.A. (hereinafter we, us or ours)
onYour property located at 1851 SPRING RD CARLISLE, PA 17013 IS IN SERIOUS DEFAULT because you have not
made the monthly payments in the amounts shown below for the months of March 1, 2014-April 1,2014.
Monthly Charges:
Month Due Principal& Interest Escrow Amount Optional Products Total Monthly Charge
Amount Amount
03/01/2014 8626.51 $345.48 $0,00 $971.99
04/01/2014 $626.51 $345.48 $0.00 $971.99
`
Late Char-ges:
Month Amount
04/01/2014 $38.87
Total Monthly Charges: Q1,943.98
Current Late Charges, $38.87
Prior Unpaid Late Charges: $115.28
Total Other Chargen/Feee: $0,00
Partial Payment Balance: ($2{1.9�))
TOTAL DUE $1,096.12
Late charges andn\heruhurgeohavaa|aoaoonuedtnUhiudaAeinth*amountof$154.13. The \ute| umourtnmwnoquinmd
to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is$1,896.12.
You may nun* this default within THIRTY (30,11 DAYS of the date of this 6e/bsc bvpoyino to us the above amount o/
$1,896.12, plus any additional monthly payments and late charge which may fall due during this period. Such payment
must be made either by cash, cashier's check, certified check or money order, and made at Bank ofAmerica, N.A. PO
Box 15222Wilmington, DE198BG-S222.
M you do not cure the default within THIRTY (30) DAYS. we intend to exercise our right to accelerate the mortgage
payments, This means that whatever ioowing onthe original amount borrowed will be considered due immediately and
you may|nne the chance to pay off the original mortgage in monthly installments, If full payment o[the amount of default
is not made within THIRTY (30) DAYS, we also intend to /nobo:t our attorneys /o o/e/t e 6swnud to foreclose your
mortgaged property, If the mortgage is foreclosed your mortgaged property will be sold by /he Sheriff to pay off the
mortgage debt. If we refer your uooe to our a8onmoya, but you ouvo 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 ovvo us,which may also include our reasonable costs. Ifyou cure the
default within the thirty day period, you will not be required to pay attorney's fees.
VVemay also sue you personallyfo,theunpoidphnoipu| ba|ancoandaUotheraummduaunde,themortgage. |fyouhave
not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right to cure
9314 7100 1170 0738 1059 67
the default-and prevent the sale at any time up to one hour before the Sheriffs foreclosure sale. You may do so by
paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the
reasonable attorney's fees and costs connected with the foreclosure sale [and perform any other requirements under
the mortgage]. It is estimated that the earliest date that such a Sheriff's sale could be held would be approximately six
(6) months from the date of this Notice. A notice of the date of the Sheriff sale will be sent to you before the sale. Of
course, the amount needed to cure the default will increase the longer you wait, You may find out at any time exactly
what the required payment will be by calling us at the following number: 1-800-669-1904. This payment must be in cash,
cashier's check, certified check or money order and made payable to us at the address stated above.
You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. If
you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you.
You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE
PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM
ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL
ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND
ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER
REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT
CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY
ANY THIRD PARTY ACTING ON YOUR BEHALF.
if you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you
are not entitled to this right to cure your default more than three times in any calendar year.
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C3_3222_BRECDISC 15353 09/24/12
IMPORTANT DISCLOSURES
If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under
applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand
for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home
loan with us or enter into a loan modification or other loan-assistance program. You should consult with your
bankruptcy attorney or other advisor about your legal rights and options.
Bank of America, N,A., the servicer of your home loan, is required by law to inform you that this communication
is from a debt collector.
There has been a payment default or other default on your loan that could result in acceleration of all sums due
under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default,
Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe
Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company,
N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and
rights in the property and under the note and security instrument, including any remedies thereunder (the "Default
Related Services"). Bank of America, N.A. will assess fees to your loan account for the Default Related
Services, including those provided by its affiliates. A schedule of fees that may be charged to your account for
Default Related Services is available at the following web address: http://www.bankofamerica.com/defauitfees. If
you do not have internet access, please contact us at 1-800-669-6607, Monday through Thursday 8 a.m. - 11
p.m. Eastern, Friday 8 a.m. - 9 p.m. Eastern, Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to
you. The fee schedule contains a complete list of the default-related services you could be charged, but does
not include a complete list of all fees or charges that could be assessed on your loan account.
MILITARY PERSON NEUSERVICEMEMBERS: If you or your spouse is a member of the military, please
contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford
significant protections and benefits to eligible military service personnel, including protections from foreclosure
as well as interest rate relief. For additional information and to determine eligibility please contact our Military
Assistance Team toll free at 1-877-430-5434. If you are calling from outside the U.S. please contact us at
1-817-685-6491.
1 .
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[SC 15353 09124M2
Si usted se encueNtra actua|mente en un procedimiento de quiebra, o ha obtenido previemerte una exonanaci6n
de eaha deuda baju |a ley ap|ioob}eoobna quiabnm, este no es un intenhzda naooudanibn, una demandode paQoo
un inhanto da innpuner una nasponaabi|idad personal poreaa deuda. Uoted no ent6 ob|iQmdo/e> m hab|arde mu
prAatmmo para vivienda non n000tnoa ni a partidpor en un programa de mod|f|uaoibn dm pr6mtamna u oino
programa de eaistenoie perm pr&abamoo. Usded debe oonmu|tmrnon au obogodo empeoio|izodoen quiebnua u obo
auaooraoenoode sus opcionesydereohoa |egaien.
Bonk of America, N.A., a| adcniniatnedorde su premtomo para vivienda eatd ob|igado por |eyo informar|e e usted
queeetacomunicaoibnpnovienedaunoobrodordadeudae.
Haocunidounincump|imicntodepagouotrodpodo /ncump|imienhocon oupr6otamoquepudriarosu|taren |a
moe|mrmnibO de todaa las canddodea admudedas b jo e| Pogar6. Como ,esu|1ado. Bank of America, N.A. uti|izar6
co0pa6iou, inn|uyendo sus afi|iodoe LondSafa Default, Inc., LandGofe Scrvicen, LLC., LandSafe Tide of
California, Inc., Land8gfe Title of Washington, Inc., LandSufe Title of Florida, Inc., LondSafe Services of
Alabama, Inc., LandSafoTitle ofTexas, Inc., F(mconTrus< Company. NA' y LandsafeApproisa1 Services, Inc.,
para pnopo[ci0nar servicioo neceS@hOGpara poteger los intereseade| Titular en |a p"opiedmd y ouoderSohoo
b joe| instrumentodeueguridadye| paQar6. inc|uyendocua|quieradeouoneounsoo (|os "8en//cioGma|acionodow
u un inoump|inniento"). Bonk of America, N.A. ep|ioarA cargos m |G ouente de su pr6atemo por |no uen/icion
[8|aciOn8doso un inuump|irniento, induyeDd0los Servicios pnoporcionadoopor sus afi|imdna. Una lista delos
cargos que podrian cobnarse a su ouente por uervioioo re|aoionadom a un incump|innienho est6 disponible en e{
sitio de Internet: . Si uoted no dene ooneao a internet, por favor
comun(quesecon nosotrosa| 1-8OO'0O9-66O7de |unese 'uevmude8m. /n. a11 p. 0. horedel este, vierneade0
a. m, a 8 p. m. hona del este, abbadoa da 0 o. m. e 3 p. m, h0ra del este. para pedirque se |e envie una lista de
cargos por oonmo. La lista do cargos condene una lista coOnp|eta de los oarvicioo re|ooionados por
innurnp|imiento que |e podimn oobnar, peno no inc/uye una |}aia complete de todoa los nos(oa y cargos que
podrionser ap|ioad000 |acuentadeaupr6stmrno.
ARMADAS: Si usted oau chnyugeoe unmiembnodel
sorvicio militmr, por favor oomun|quese con noaotnos (nmediatamente. La Ley federal de Ayuda Civil para
K8i*mbnoa de las Fuorzao Armadas y las |oyem eatota|ea comparables oiorgan proteocioneo y beneOcioo
significativoo a| personal dal nervicio mi(itar gue califique, ino{uidoa proieccioneo contra lo ejecuci6n hipntacaria
mo| nomutannbi6n ayuda en |o taea de inter6m. Pana obtonerrn6o infurmauibn y detarminor mu oa|ifioani6n por
favor ||ame sin costo m nuest[0 EquipQ de Asiotenda para e| Sen/icio Mi!itar o| 1'877-430'5434. Si uuted llama
dendafueradelos EotadoaUnidospor favor oomuniquese con noaotn}sG) 1-817-8R5-G4S1.
'
R�i-u �i."n o�" n�-Jn i-n"° o
103_5088 OPTAVDFC 15319 09/24/2012
Options are Available to Help You
Avoid Foreclosure
Call the number on the enclosed notice to learn more.
When you call, please have your income and expense information available
so we can discuss which option(s) could work for you.
Options to consider if your goal is to stay in your home
Rlrogf' rn [3escnptio
Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms, i
Modification which may include lowering the interest rate, placing past due amounts at the end of the loan,
Program (HAMP) and/or extending the term of the loan. You may be eligible for this program if you meet the
following requirements: j
+ The amount you owe on the first mortgage is equal to or less than $729,750 for a
1 single-family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or i
$1,403,400 for a 4 unit property
• You have documented a financial hardship and represented that you do not have sufficient
liquid assets to make the monthly mortgage payments.
• Your mortgage was obtained before Jan. 1, 2009.
• The property securing the mortgage loan has not been condemned or is not in such poor 1
physical condition that it is not habitable even if not condemned
! - The mortgage is secured by a one to four unit property ___.-----
_....._...._ ._. -------------------- ----------
Loan If you can bring your loan payments up to date, we will accept the funds needed to bring the '
Reinstatement loan up to date until the day of your foreclosure sale.
Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay
l off a portion of the past due amounts over time. This may include principal, interest, fees,
_ and/or costs assessed to your loan. —
Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments
Forbearance for a period of time, to allow you to re-establish your ability to make the required payments.
Agreement
Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could '
(non-HAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving i
from an adjustable to a fixed-rate loan, deferring some portion of the unpaid principal balance
to the end of the loan, and/or forgiving some portion of the unpaid principal balance. _
Paitial Claim (FHA If you have a Federal Housing Administration (FHA) loan and your payments are past due but
j loans only) you are now able to make your regular monthly mortgage payment, this program is designed to!
bring your loan up to date by creating a second mortgage/lien on your property for the amount
that is past due.
Options to consider if you cannot or do not wish to stay in your home
Prog� D®s cr�pt��►n t'
N.
Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program
Foreclosure (HAMP) but were unsuccessful in securing a permanent modification through the program.
Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A 11
Program (HAFA) short sale is a transaction in which you sell your property for less than the total amount owed on'
the loan (subject to agreement by your servicer/lender/investor), resulting in the release of our
lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a transaction in
which you agree to voluntarily transfer ownership of your property to us in order to avoid i
foreclosure.
r--------------------------------------------------------------- i
- ............ _..__.............. - --._.......- -...__.._._._.....--- - - ------------
Short Sale/ If you can no longer afford to make your mortgage payments and your home is worthless than
Pre-foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale,
Sale (non-HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to j
i_______________________________ borrowers who are not eligible for HAMP or other home retention alternatives.
1 Deed in Lieu of Used as an alternative to foreclosure, with a deed in lieu of foreclosure, you transfer ownership
Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total
(non-HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home i
retention alternatives, and who were not able to sell the property_through a short sale.
-----------------------------------
We are here to help you. Please call us today.
aii.0 )i.nn i.7.,7n n'J7A 'I.nC9 L-)
C3_5088 OPTAVDFC 15319 09/24/2012
Hay opciones disponibles para ayudarle a
Evitar la Ejecucian Hipotecaria
Llame al numero que aparece en la notificaci6n adjunta para obtener mss
informad6n
Cuando (lame, par favor tenga a la mano la informacion de sus ingresos y gastos para que podamos
discutir cuales opciones podrian funcionar para usted.
Opciones a considerer si su objetivo es permanecer en su casa
Rrogrma Clescrpclon
1 p � __.. 9 ..... q � p g p ;: ,
Home Affordable Es un programa del obierno federal que le ermite pagar el restamo ba'o los nuevos
Modification terminos acordados, que pueden incluir la reducci6n de la tasa de interes, agregar
Program (RAMP) cantidades vencidas al final del prestamo, y/o extender el plazo del prestamo. Usted
puede calificar para este programa si cumple con los siguientes requisitos:
• La cantidad que Listed adeuda de su primera hipoteca es igual o menor que
$729,750 d6lares para una vivienda unifamiliar, $934,200 d6lares para una
propiedad de 2 unidades, $1,129,250 d6lares para. una propiedad de 3 unidades o
{ $1,403,400 para una propiedad de 4 unidades
• Usted ha documentado que atraviesa por una dificultad financiers y declarado que
1 no tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca
• Obtuvo su hipoteca antes del 1 de enero de 2009.
• La propiedad que garantiza el prestamo hipotecario no ha sido condenada o no este
en malas condiciones fisicas como para no poder habitarse incluso si no este
condenada.
• La hipoteca este garantizada por una propiedad de una a cuatro unidades.
Restablecimiento Si usted puede poner al dia los pagos de su prestamo, aceptaremos los fondos
del Prestamo necesarios para que el prestamo este al dia hasta la fecha de la vents por ejecuci6n
hipotecaria.
Plan de Pago Un plan de pago le permite a Listed hacer sus pagos hipotecarios regulares, ademas de
3 pagar una porci6n de los montos vencidos a traves del tiempo. Esto puede incluir capital,
l interes, cargos o costos aplicados a su prestamo.
Acuerdo Temporal Es Lin acuerdo en el coal aceptamos no proceder con la ejecuci6n hipotecaria y/o el
de Tolerancia por cobra de los pagos por un periodo de tiempo, para permitirle que restablezca su
incumplimiento habilidad de hacer los pagos requeridos.
Modificacion de Una modificaci6n del prestamo es Lin cambio en los terminos originales de su prestamo,
Prestamo Las modificaciones podrfan incluir reducir su tasa de interes, extender el termino o la
(no por medio de fecha de pago del prestamo, cambiar de un prestamo de tasa de interes ajustable a uno I
HAMP) de tasa de interes fi.ia, diferir una parte del saldo del capital impagado al final del
1. prestamo, y/o condonar una parte del saldo de capital impagado.
j Reclamo Parcial Si Listed tiene un prestamo de la Administraci6n Federal de Vivienda (FHA) y sus pagos
{ (solamente estan vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca,
prestamos de la este programa este disenado para que su prestamo este al dia mediante la creaci6n de
PHA) una segunda hipoteca/ gravamen sobre su propiedad por el monto que este vencido.
-ji.nn i.vn n,):3a i.n C9 L)
C3_5088 OPTAVDFC 15319 09/24/2012
Opciones a considerar sj no puede o no desea quedarse en su casa
rd +t+++
++«sem»»
I Nome Affordable Disenado para ayudar a los prestatarios que califican para el Programa de Home
! Foreclosure Affordable Modification (RAMP), pero no consiguieron obtener una modificaci6n
Alternatives Program Permanente a traves del programa. HAFA ofrece la posibilidad de una vents en
i (HAFA) descubierto y, si no tiene 6xito, una escritura de traspaso voluntario de propiedad en
1 lugar de la ejecuci6n hipotecaria. Una venta en descubierto es una transacci6n en la que
usted vende su propiedad por menos de la cantidad adeudada en el prestamo (sujeto a
previo acuerdo de su administrador/ prestamista/ inversionista), resultando en la
liberaci6n de nuestro derecho de retenci6n sobre su propiedad y evitar la ejecuci6n
hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n
! hipotecaria es una transacci6n en la que usted esta de acuerdo de transferir
'• voluntariamente las escrituras de su propiedad a nosotros con el fin de evitar la
ejecuci6n hipotecaria.
yenta en descubierto Si usted ya no puede hacer sus pagos hipoteearios y su vivienda vale menos de to que
/yenta previa a la usted adeuda, una vents en descubierto le podria permitir vender su vivienda para pagar
ejecuci6n hipotecaria la hipoteca. En una venta en descubierto, el prestamista acepta recibir una monto
(no por media de menor de to que actualmente se adeuda en el prestamo. Se ofrece a los prestatarios que
HAFA) no califican para HAMP o para otras alternativas de retenci6n de la vivienda.
i Escritura de traspaso Se usa como una alternativa de la ejecuci6n hipotecaria. Con una escritura de traspaso
de propiedad en voluntario de propiedad en lugar de la ejecuci6n hipotecaria, usted transfiere la
lugar de la ejecuci6n titularidad de su vivienda y toda la propiedad que garantiza su prestamo hipotecario.
hipotecaria (no por Esto puede hacer que el monto total vencido de esa hipoteca se considere como
medio'de HAFA) pagado. Se ofrece a prestatarios que no califican para HAMP u otras opciones de
retenci6n de vivienda, y que no pudieron vender la propiedad a traves de una vents en {
descubierto.
Estamos aqui para ayudarle. Por favor Ilamenos hoy.
aai.0 >i.nn i.i.-;n n77A l.nC9 L)
Bankof America
Home loans PRESORT
First-Class Mail
PO Box 9046
Temecula,CA 92589-9048 U SFees Paand
id
W SO
9314 ?100 11?0 0?38 1059 ?4
Return Receipt Requested
Send Payments to:
PO Box 15222
Wilmington,DE 19886-5222
Send Correspondence to: 20140430-213
PO Box 5170
Simi Valley,CA 93062-5170 IIIc I III IIII I I IIII I I I I III a III I l
Jane L Firestone
1851 Spring Rd
Carlisle, PA 17013-1152
BREACHPA{CM}
April 30 2014
Sent Certified Mail
9314 710O 117O 0738 1059 74
Return Receipt Requested
Jane LFirestone
Account No.:
1851Spring Rd
Carlisle,pA17O13-1152
NOTICE OF INTENT TO FORECLOSE MORTGAGE
Dear Jane L Finaabzne,
The MORTGAGE held hyBANK OFAMERICA, N.A. and serviced hyBank ofAmerica, N.A. (hereinafter we, unorours)
on Your property located at 1851 SPRING RD CARLISLE, PA 17013 IS IN SERIOUS DEFAULT because you have not
made the monthly payments in the amounts shown below for the months of March 1, 2014-April 1,2014.
Monthly Charges:
Month Due Principal & Interest Escrow Amount Optional Products Total Monthly Charge
Amount Amount
03/01/2014 $628.51 $345.48 $0.00 $971.00
0401/2014 $626.51 $345.48 $0.00 $971,99
Late Charges:
Month Amount
04x01/2014 $38.87
Total Monthly Charges: $1.943.98
Current Late Charges: $38,87
Prior Unpaid Late Charges: . $115.20
Total Other Charges/Fees: $0,00
Partial Payment Balance: ($201.99)
TOTAL DUE $1.896.12
Late charges and other charges have also accrued to this date in the amount of$154.13. The total amount now required
to cure this default,of in other words, get caught up in your payments, as of the date of this letter, is$1,896.12.
You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of
$1,896.12, plus any additional monthly payments and late charge which may fall due during this period. Such payment
must be made either by cash, cashier's check, certified check or money order, and made at Bank of America, N.A. PO
Box 15222Wilmington, DE198$6~5222.
If you du not cure the default within THIRTY (30) DAYS. we intend to exercise our right to eoce6yrehe the mortgage
payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and
you may lose the chance to pay off the original mortgage in monthly installments. Iffull payment ofthe amount cfdefault
is not mode within THIRTY (30) DAYS' we also intend to instruct our attorneys to start lawsuit to /bremboe your
mortgaged property, ffbhn mortgage /s foreclosed your mortgaged property will be ook/ by the Sheriff to pay off the
mortgage debt If we refer your case to our oUonnoye, but you uuny the default before they begin legal proceedings
against you, you will aiU| have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, J 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 bowhatever you owe us,which may also include our reasonable costs. ffyou nuoo the
default within the thirty day period, you will not berequired topay attorney's fees.
We may also sue you personally for the unpaid principal balance and all other Sums due under the mortgage. If you have
not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right to cure
9314 7100 1170 0738 1059 74
the default,and prevent the sale at any time up to one hour before the Sheriffs foreclosure sale. You may do so by
paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the
reasonable attorney's fees and costs connected with the foreclosure sale [and perform any other requirements under
the mortgage]. It is estimated that the earliest date that such a Sheriff's sale could be held would be approximately six
(6) months from the date of this Notice. A notice of the date of the Sheriff sale will be sent to you before the sale. Of
course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly
what the required payment will be by calling us at the following number: 1-800-669-1904. This payment must be in cash,
cashier's check, certified check or money order and made payable to us at the address stated above.
You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain in it. If
you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you.
You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE
PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM
ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL
ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND
ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, [AND THAT THE OTHER
REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT
CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY
ANY THIRD PARTY ACTING ON YOUR BEHALF.
if you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you
are not entitled to this right to cure your default more than three times in any calendar year.
q�i.0 i.nn i.7.-)n rn-jn i.ncR )u
C3_3222_BRECDISC 15353 09/24/12
IMPORTANT DISCLOSURES
If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under
applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand
for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home
loan with us or enter into a loan modification or other loan-assistance program. You should consult with your
bankruptcy attorney or other advisor about your legal rights and options.
Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication
is from.a debt collector.
There has been a payment default or other default on your loan that could result in acceleration of all sums due
under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default,
Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe
Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company,
N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and
rights in the property and under the note and security instrument, including any remedies thereunder (the"Default
Related Services"). Bank of America, N.A. will assess fees to your loan account for the Default Related
Services, including those provided by its affiliates. A schedule of fees that may be charged to your account for
Default Related Services is available at the following web address: httra://www.bankofamerica com/defaultfees. If
you do not have internet access, please contact us at 1-800-669-6607, Monday through Thursday 8 a.m.-- 11
p.m. Eastern, Friday 8 a.m. - 9 p.m. Eastern, Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to
you. The fee schedule contains a complete list of the default-related services you could be charged, but does
not include a complete list of all fees or charges that could be assessed on your loan account.
MILITARY PERSON NEUSERVICEMEMBERS: If you or your spouse is a member of the military, please
contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford
significant protections and benefits to eligible military service personnel, including protections from foreclosure
as well as interest rate relief. For additional information and to determine eligibility please contact our Military
Assistance Team toll free at 1-877-430-5434. If you are calling from outside the US. please contact us at
1-817-685-6491.
4ai.0 'ji.nn i.i.7n nl7A 'Ln[q )u
15353 89/2482
.
Si unhed se encuentna aotUa|menhe en un onxcadimienhzdaquiebna. o ha obtenidopreviamante una exoneraok6n
de eaba deuda bajo |a |eymp|icab|a eobna guiebno, eoba noeaun intanbode nacaudocibn, una dernandade pagoo
un inbentode impnneruno nesponoabi|idmd personal poreao deuda. Unted naesf6 obUQado(m) o hab|ardesu
pr6stomo para vivienda con noaotnzo ni a porticipar en un programa dm modificaoibn de pr6stomoa u odno
programa de aeietanoio para pp6otamoo. Usted debm oonsu!toronn su obogado aspeoia|izedoen quiebnan u otno
aeaaormoonoadasus opciuneaydenaohom |eQe|ae.
Bank of America, N.A., e| odrniniutnadorde su pr6stomo para v\vienda eeLA ob|igado por |eyo infonnmr|e a um1ed
quoea\anomunicaoibnprmvienedeunoobredordedeudoa.
Ha ncurrido un incump|imieo\ode pago u otnotipode incunlp\inniento con su pr6stgnnoque pndria reau|tmreO |a
oue!eraoidn de \odas las canddadeo adeudodme b jo el PeQar6. Como resu|tado, Bank of America, N.A. ud\\zurc�
oompahYau, induyendo sus ofi|iadoo LendSafe Default, Inc., LandBefe Services, LLC., LandSmfe Tide of
California, Inc., Land8efe Title of Washington, Inc,, LandSafe Tide of Florida, Inc., Land8afe Services of
Alabama, Inc- Land8ofoTiUe of Texas, Inc., RenonTrustCnmpony. N/\' y LandoafeAppnaioa) Sen/ices' Inc.,
para propnroionar oervioioo neoeamrioa para proteQer |ma iDtereaea del Titular en |a prnpiedad y sus de[nchos
bo]o el instrumento de oeguridod ye| pagar6, inc|uyend0 cum|quieradesus naounsom (|0a "Serviciosrelatiunadoa
a un inounnp|imiento"). Bank o[ America, N.A. op|ioarA cargos @ |a cuent@ de su pr6sbamo por los se[vioiou
re!acionadoS8 un inoump|icn\eOk3. induyendo |oose[v)cios pn3p0rcionad0m por sus afi|iad0s. Una lista de los
cargos que podr|an cobraroe o su oueDta por aervicionrn|acionodooe un incump!irDierdoontb disponible en e\
oitin de Internet: . Si usted nndeDe aoceao a internet, por favor
oornuniqueso con nono1non e| 1-800'069-0807 de \uneo a juevesde 8 o. m. m 11 p. rn. horade| este, vien1ea dm 8
e, m. m S p. m. horm del este, adbados de S e, m. a 3 p, nn. hnro del este, para pedirque se |e envie una lista de
cargos por nmrreo. La lista de cargos oondene una lista connp|etg dm los oervicios re|aoionodos por
inoump|\miento que |e podian cobnar' penx no inc|uye una lista comp|edo de todos los coshos y cargos que
podr|onser ep|ioadoaa |nnuentadeaupr6stomo.
SiPERSONAL MILITAR/ MIEMBROS DIE LAS FUERZAS ARMADAS: d o su c6nyugei b d |
servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para
favor Ilame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al 1-877-430-5434. Si usted llama
�=m )i.nn ,�'7" n)--IA m"R `u
C3_5088 OPTAVDFC 15319 09/24/2012
Options are Available to Help You
Avoid Foreclosure
Call the number on the enclosed notice to learn more.
When you call, please have-your income and expense information available
so we can discuss which option(s) could work for you.
Options to consider if your goal is to stay in your home
--
Program lescnptron
Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms,
Modification which may include lowering the interest rate, placing past due amounts at the end of the loan,
Program (HAMP) and/or extending the term of the loan. You may be eligible for this program if you meet the
following requirements:
The amount you owe on the first mortgage is equal to or less than $729,750 for a
j single-family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or
$1,403,400 for a 4 unit property
You have documented a financial hardship and represented that you do not have sufficient
liquid assets to make the monthly mortgage payments.
• Your mortgage was obtained before Jan. 1, 2009.
The property securing the mortgage loan has not been condemned or is not in such poor
physical condition that it is not habitable even if not condemned :.
: -- - - ' The mortgage is secured by a one to four unit property - -
--. -......... ........... .-.
Loan If you can bring your loan payments up to date, we will accept the funds needed to bring the
Reinstatement loan up to date until the day of your foreclosure sale.
Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay
off a portion of the past due amounts over time. This may include principal, interest, fees,
and/or costs assessed to your loan.
Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments,
Forbearance for a period of time, to allow you to re-establish your ability to make the required payments,
Agreement
Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could
(non-HAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving
from an adjustable to a fixed-rate loan, deferring some portion of the unpaid principal balance
to the end of the loan, and/or forgiving some portion of the unpaid principal balance.
Partial Claim (FHA If you have a Federal Housing Administration (FHA) loan and your payments are past due but
s loans only) you are now able to make your regular monthly Mortgage payment, this program is designed to
bring your loan up to date by creating a second mortgage/lien on your property for the amount
that is past due.
Options to consider if you cannot or do not wish to stay in your home
�rDescription
Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program
Foreclosure (HAMP) but were unsuccessful in securing a permanent modification through the program.
Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A
Program (HAFA) short sale is a transaction in which you sell your property for less than the total amount owed on
the loan (subject to agreement by your servicer/lender/investor), resulting in the release of our
lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a transaction in:
which you agree to voluntarily transfer ownership of your property to us in order to avoid
foreclosure.
t................----------------......---------------------... -- ................ ....-----...----..............._._............._......---........._.__._......................................... ............................................._.__..................._.................. --..........._._.........
I Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth less than
Pre-foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale,
Sale(non-HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to
_ borrowers who are not eligible for HAMP or other home retention alternatives.
-------- — ------- ------------ ----- -- ------ ------- -----------
----
Deed in Lieu of Used as an alternative to foreclosure, with a deed in lieu of foreclosure, you transfer ownership
Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total
(non-HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home
{...... ........--_........... ...........................retention alternatives,..and who were not able to sell �the..p_roperty...through a short sale........._.._............__.
We are here to help you. Please call us today.
a�i.0 7i.nn ii-,?n n-a�n l.nCR ')U
C35088 OPTAVDFC 15319 09/24/2012
Hay opciones disponibles para ayudarle a.
Evitar la Ejecucion Hipotecaria
Llame al numero que aparece en la notificacion adjunta para obtener mas
informaci6n
Cuando Ilame, por favor tenga a la mano la informacion de sus ingresos y gastos para que podamos
discutir cuales opciones podrian funcionar para usted.
Opciones a considerar si su objetivo es permanecer en s.0 casa
I�rogma - 4esc;ripin
-- — —
I Home Affordable Es un programa del gobierno federal que le permite pagar el prestamo bajo los nuevos
Modification terminos acordados, que pueden incluir la reduccion de la tasa de interes, agregar
Program (RAMP) cantidades vencidas al final del prestamo, y/o extender el plazo del prestamo. Usted
puede calificar para este programa si cumple con los siguientes requisitos:
• La cantidad que usted adeuda de su primera hipoteca es igual o menor que
$729,750 d6lares para una vivienda unifamiliar, $934,200 dolares para una
propiedad de 2 unidades, $1,129,250 dolares para una propiedad de 3 unidades o
$1,403,400 para una propiedad de 4 unidades j
• Usted ha documentado que atraviesa por una dificultad financiera y declarado que
no tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca.
• Obtuvo su hipoteca antes del 1 de enero de 2009.
• La propiedad que garantiza el prestamo hipotecario no ha sido condenada o no esta
en malas condiciones fisicas como para no poder habitarse incluso si no esta
condenada.
• La hipoteca esta garantizada por una propiedad de una a cuatro unidades.
Restablecimiento Si usted puede poner al dia los pagos de su prestamo, aceptaremos los fondos
del prestamo necesarios para que el prestamo este al dia hasta la fecha de la yenta por ejecucion
hipotecaria.
Plan de Pago Un plan de pago le permite a listed hacer sus pagos hipotecarios regulares, ademas de
pagar una porcion de los montos vencidos a traves del tiempo. Esto puede incluir capital,
interes, cargos o costos aplicados a su prestamo.
Acuerdo Temporal Es un acuerdo en el cual aceptamos no proceder con la ejecucion hipotecaria y/o el
de Tolerancia por cobro de los pagos por un periodo de tiempo, para permitirle que restablezca su I
s incumplimiento habilidad de hacer los pagos requeridos.
Modificacion de Una modificacibn del prestamo es un cambio en los terminos originales de su prestamo,
Prestamo Las modificaciones podrian incluir reducir su tasa de interes, extender el termino o la
j (no por medio de fecha de pago del prestamo, cambiar de un prestamo de tasa de interes ajustable a uno
HAMP) de tasa de interes fija, diferir una parte del saldo del capital impagado al final del
i prestamo, y/o condonar una parte del saldo de capital impagado.
Reclamo Parcial Si usted tiene un prestamo de la Administracion Federal de Vivienda (FHA) y sus pagos
(solamente estan vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca,
prestamos de la este programa esta disenado para que su prestamo este al dia mediante la creacion de
FHA) una segunda hipoteca/gravamen sobre su propiedad por el monto que esta vencido.
L.... _.._...._._..__.. ...._._.. ..__....... _ ........ - .. __ . _..- ...........
...........
vai.0 '�i.nn iv7n n77A 1.ncq nu
C35088 OPTAVDFC 15319 09/24/2012
Opciones a considerer si no puede o no desea quedarse en su casa
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Home Affordable Disenado para ayudar a los prestatarios que califican para el Programa de Home
Foreclosure Affordable Modification (RAMP), perp no consiguieron obtener una modificaci6n
Alternatives Program permanente a traves del programa. HAFA ofrece la posibilidad de una venta en
(NAPA) descubierto y, si no tiene kito, una escritura de traspaso voluntario de propiedad en
lugar de la ejecuci6n hipotecaria. Una venta en descubierto es una transaccibn en la que
usted vende su propiedad por menos de la cantidad adeudada en el prestamo (sujeto a
previo acuerdo de su administrador/ prestamista/ inversionista), resultando en la
liberaci6n de nuestro derecho de retencibn sobre su propiedad y evitar la ejecuci6n
hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n
hipotecaria es una transaccibn en la que usted est6 de acuerdo de transferir
voluntariamente las escrituras de su propiedad a nosotros con el fin de evitar la
ejecuci6n hipotecaria.
Venta en descubierto Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de to que
/Venta previa a la usted adeuda, una venta en descubierto le podria permitir vender su vivienda para pagar
ejecuci6n hipotecaria la hipoteca. En una vents en descubierto, el prestamista acepta recibir una monto
3 (no por medio de menor de to que actualmente se adeuda en el prestamo. Se ofrece a los prestatarios que
HAFA) no califican para HAMP o para otras alternativas de retencibn de la vivienda.
Escritura de traspaso Se usa como una alternativa de la ejecuci6n hipotecaria. Con una escritura de traspaso
de propiedad en voluntario de propiedad en lugar de la ejecuci6n hipotecaria, usted transfiere la
l lugar de la ejecuci6n titularidad de su vivienda y toda la propiedad que garantiza su pr6stamo hipotecario.
hipotecaria (no por Esto puede hacer que el monto total vencido de esa hipoteca se considere como
medio de HAFA) pagado. Se ofrece a prestatarios que no califican para HAMP u otras opciones de
retencibn de vivienda, y que no pudieron vender la propiedad a traves de una venta en
descubierto.
Estamos aqui para ayudarle. Por favor Ilamenos hoy.
a:i.0 7i.nn i.i.�n n)7A i.nca )u
FORM 1
lie,r �F I}6MC�I C��N•�'
rN.THE COURT OF COMMON PLEAS OF
Unktiowo 14 I CUMBERLAND COUNTY, PENNSYLVANIA
c
►S� SUGC�Sor$� Npai (s) c�
i#W) 6r,45e,y 'ati0,15 ela►M;� Vi
r"M orG v i . c►rink y- cp f
n
�'�SbnLl Defendants) Civil
C7 C)
NOTICE OF RESIDENTIAL MORTGAGE FORECLO�+
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'Mth 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'bereto,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:a:nd your lawyer must take the following steps to be
eligible for a conciliation:conference.. Tt is not necessary for.you to contact MidP.enn 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 worksb.eet 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 SAYE YOUR HOME,YOU MUST ACT QUICKLY AND TAKE THE
STEPS REQUIRED.BY THIS NOTICE. THIS PROGRAM IS FREE.
ff Respe fully s m e ;
l�
Date [Si ature oftokseptfor PlaintiffJ
ANI L. RAUER. ESQUIRE
ISA. LID. 307028
FORM 2
Cumberland County Residentiai 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
PIease provide the following information to the best of your knowledge:
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 ❑
If yes,provide names, location of court, case number&attorney:
Assets Amount Owed: Value:
Home: $ $
Other Real Estate: $ $
Retirement Funds: $ $
Investments: $ $
Checking: $ $
Savings: $ $
Other: $ $
Automobile#1: Model: Year:
Amount owed: Value:
Automobile#2:Model: Year:
Amount owed: Value:
Other transportation(automobiles boats motorcycles) Model:
Year: Amount owed: Value
Monthly Income
Name of Employers:
2.
3.
Additional Income Description(not wages):
1• monthly amount:
2. monthly amount:
Borrower Pay Days: Co-Borrower Pay Days:
Monthly Expenses: (Please only include expenses you are currently paying)
E 'ENSE AMOUNT EXPENSE AMOUNT
Mortaa a Food
V Morta e Utilities
Car Pa en s Cundo/KW Fees
Auto Insurance Med.(not covered)
Auto fuel/re airs Other ro a ent
Install.Loan Payment Cable TV
Child SupportlAlim. S endin Mone
Da /Child Care/Tuit. Other Expenses
Amount Available for Monthly Mortgage Payments Based on Income&Expenses:
Have you been working witha
�, Housing CounselingAgency?ounsel2n I
Yes F� No Q
If yes,please provide the following information:
Counseling Agency:
Counselor:
Phone(Office): Fax:
i .... ........_....................._.._..__.._..........._._.... __ _
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:
I/We, , authorize the above
named to use/refer this information to my lender/servicer for the sole
purpose of evaluatingmy 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
lend-ees counsel:
V Proof of income
Past 2 bank statements
V Proof of any expected income for the last 45 days
V Copy of a current utility bill
�I Letter explaining reason for delinquency and any supporting documentation
-! (hardship letter)
Y Listing agreement(if property is currently on the market)
FORM 3
l?r0x or /fe�erie�,N�
IN THE COURT OF.COMMON PLEAS OF
Plaintiff(s) CUMBERLAND COUNTY, PENNSYLVANIA
von e,r�u ►�,`,�31 Sv�cesso�g�
-54,VN5 k ,J vs.4 1 ,s�„S
�SSbci�h`�S f Pe;
� - -nTI.Or1nlCral-
/C'rv.h
Defendants) CIVIL
S�''C-�/���W�vN �c,'r p� Jam-�• ,�'��sl��
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: j
I. 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 1.8 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
the Court your defenses or objections to the claims set forth against you. You are warned that if
you fail to do so the case may proceed without you and a judgment may be entered against you
by the Court without further notice for any money claimed in the Complaint or for any other
claim or relief requested by the Plaintiff. You may lose money or property or other rights
important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW.
THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A
LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY
BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT
MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR
NO FEE.
LAWYERS REFERRAL SERVICE
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(800) 990-9108
AVISO
Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas
en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda
y la notificacion. Hace falta ascentar una comparencia escrita o en persona o con un abogado y
entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su
persona. Sea avisado que si usted no se dafiende, la corte tomara medidas y puede continuar la
demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor
del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted
puede perder dinero o sus propiedades u otros derechos importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE
ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO,
VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA
DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE
PUEDE CONSEGUIR ASISTENCIA LEGAL.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(800) 990-9108
NOTICE
The amount of your debt is as stated in the attached document. The name of the
creditor to whom the debt is owed is as named in the attached document. Unless you notify
us within 30 days after receipt of this Notice and the attached document that the validity of
the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If
you do notify us in writing of a dispute within the 30 day period, we will obtain verification
of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute
the debt, it is not an admission of liability on your part. Also, upon your written request
within the 30 day period, we will provide you with the name and address of the original
creditor if different from the current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease
collection of your debt, or any disputed portion of it, until we obtain the information that
is required and mail it to you. Once we have mailed to you the required information, we
will then continue the collection of your debt.
This law firm is deemed to be a debt collector and this Notice and the attached document
is an attempt to collect a debt, and any information obtained will be used for that purpose.
UDREN LAW OFFICES, P.C.
/s/Mark J. Udren,Esquire
Woodcrest Corporate Center
111 Woodcrest Road, Suite 200
Cherry Hill, NJ 08003-3620
(856) 669-5400
UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF
BY. MARK J. UDREN,ESQUIRE - ID #04302 c:
STUART WINNEGS ESQUIRE -ID#45362 c -.-I
LORRAINE GAZZARA DOYLE, ESQUIRE -ID#34576
SHERRI J.BRAUNSTEIN,ESQUIRE - ID#90675 + `F
ELIZABETH L.WASSALL, ESQUIRE -ID#77788
JOHN ERIC KISHBAUGH,ESQUIRE - ID#33078 '
NICOLE B. LABLETTA,ESQUIRE -ID#202194
C,
DAVID NEEREN,ESQUIRE - ID#204252 :Z G7 CD r
AMANDA RAUER,ESQUIRE -ID#307028
WOODCREST CORPORATE CENTER �~
111 WOODCREST ROAD, SUITE 200
CHERRY HILL,NJ 08003-3620
856-669-5400
Pleadings ,udrenxom.
Bank of America,N.A. COURT OF COMMON
16001 North Dallas Parkway,Addison,TX 75006 PLEAS
Plaintiff CIVIL DIVISION
CUMBERLAND
V. County
Unknown Heirs, Successors,Assigns and All Persons,Firms or Associations r\
Claiming Right,Title or Interest from or under Jane L. Firestone (� a V
1851 SPRING RD NO. —!
CARLISLE (NORTH MIDDLETOWN TOWNSHIP),PA 17013 C�J
Stephanie Hershey,Known Heir of Jane L.Firestone
1851 SPRING RD
CARLISLE(NORTH MIDDLETOWN.TOWNSHIP),PA 17013
Barry R Firestone
1851 SPRING RD
CARLISLE,PA 17013
Jane L.Firestone,Last Record Owner
1851 SPRING RD
CARLISLE,PA 17013
Defendant(s)
ENTRY OF APPEARANCE
TO THE PROTHONOTARY:
Kindly enter the appearance of the following counsel: Mark J.Udren,Esquire; Stuart Winneg,Esquire; Lorraine
Gazzara Doyle,Esquire; Sherri J.Braunstein,Esquire;Elizabeth L.Wassall,Esquire;John Eric Kishbaugh,
Esquire;Nicole B.LaBletta,Esquire; David Neeren,Esquire,and Amanda Rauer,Esquire on behalf of the Plaintiff,
in the above-captioned matter.
UDREN AW F ,P.C.
BY:
AMA DA AIDER, ESQUIRE
PA, .LD # 307028
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
iHE'P OfII-IO Jl.i'r
al' OCT - I Pry 2: 9
CUMBERLAND) COUNTY
PENNSYLVANIA
Bank of America N.A.
vs.
Unknown Heirs, Successors, Assigns andrall Persons, Firms or Associati (et al.)
Case Number
2014-5250
SHERIFF'S RETURN OF SERVICE
09/24/2014 10:22 AM - Deputy Dennis Fry, being duly sworn according to law, served the requested Notice of
Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing
a true copy to a person representing themselves to be Diane Hagan, mother in law, who accepted as
"Adult Person in Charge" for Stephanie J Hershey at 1851 Spring Road, North Middleton, Carlisle, PA
17013.
09/24/2014 10:22 AM - Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search
and inquiry for the within named Defendant to wit: Barry R Firestone, but was unable to locate the
Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential
Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Served" at
1851 Spring Road, North Middleton, Carlisle, PA 17013. Deputies were advised that the defendant is
deceased.
SHERIFF COST: $50.78 SO ANSWERS,
RONO R ANDERSON, SHERIFF
September 25, 2014
(r CcuntySuite Sherif,, Teleosoft,
UDREN LAW OFFICES, P.C.
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003
856-669-5400
Bank of America, N.A.,
Plaintiff
V.
Unknown Heirs, Successors, Assigns, and All
Persons, Firms, or Associations Claiming Right,
Title or Interest From or Under Jane L. Firestone
Stephanie Hershey, Known Heir of Jane L.
Firestone
Barry R. Firestone
Jane L. Firestone, Last Record Owner
Defendant(s)
ATTORNEY FOR PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
Cumberland County
NO. 14-5250 Civil
PRAECIPE TO RELEASE DEFENDANT BARRY R. FIRESTONE WITHOUT
PREJUDICE
TO THE PROTHONOTARY:
Kindly release Barry R. Firestone, who has been Deceased since 12/10/2010 as a
Defendant in this action, without prejudice.
Respectfully submitted,
UDREN LAW OFFICES, P.C.
ohn . 'shbaugh, Esquire
Pa. ID 33078
Attorneys for Plaintiff
o
apt 1.sopodo,
CU* --)3Dc/Liu
Rw- c:c.
UDREN LAW OFFICES, P.C.
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003
856-669-5400
Bank of America, N.A.,
Plaintiff
V.
Unknown Heirs, Successors, Assigns, and All
Persons, Firms, or Associations Claiming Right,
Title or Interest From or Under Jane L. Firestone
Stephanie Hershey, Known Heir of Jane L.
Firestone
Barry R. Firestone
Jane L. Firestone, Last Record Owner
Defendant(s)
ATTORNEY FOR PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
Cumberland County
NO. 14-5250 Civil
CERTIFICATE OF SERVICE
The undersigned, hereby certifies that true and correct copies of Praecipe to Release
Defendant, Without Prejudice was served upon the following person(s) named herein at their last
known address or their attorney of record.
xxxxxx Regular First Class Mail
Date Served: November 'a, 2014
TO:
Unknown Heirs, Successors, Assigns, and All
Persons, Firms, or Associations Claiming Right,
Title or Interest From or Under Jane L. Firestone
1851 Spring Road
Carlisle, (North Middletown Township) PA 17013
Stephanie Hershey, Known Heir of Jane L. Firestone
1851 Spring Road
Carlisle ( North Middletown Township) PA 17013
Barry R. Firestone
1851 Spring Road
Carlisle, PA , 17013
Jane L. Firestone, Last Record Owner
1851 Spring Road
Carlisle, PA, 17013
UDREN _AW OFFICES, P.C.
Af` / / J. Eric Kishbaugh, Esgtuir
BY. PAID 33078,
Jo ✓ `�' shbaugh, Esquire
Pa. ID 33078
Attorneys for Plaintiff
UDREN LAW OFFICES, P.C.
BY: MARK J. UDREN, ESQUIRE - ID #04302
STUART WINNEG, ESQUIRE - ID#45362
LORRAINE GAZZARA DOYLE, ESQUIRE - ID#34576
SHERRI J. BRAUNSTEIN, ESQUIRE - ID #90675
ELIZABETH L. WASSALL, ESQUIRE - ID#77788
JOHN ERIC KISHBAUGH, ESQUIRE - ID#33078
NICOLE B. LABLETTA, ESQUIRE - ID#202194
DAVID NEEREN, ESQUIRE - ID#204252
WOODCREST CORPORATE CENTER
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003-3620
856-669-5400 leadin s / udren.com
Bank of America, N.A.
C/O Bank of America, N.A., as successor
by merger to BAC Home Loans Servicing,
LP
16001 North Dallas Parkway
Addison, TX 75006
Plaintiff
v.
UNKNOWN HEIRS, SUCCESSORS,
ASSIGNS AND ALL PERSONS, FIRMS OR
ASSOCIATIONS CLAIMING RIGHT; TITLE
OR INTEREST FROM OR UNDER JANE L.
FIRESTONE, STEPHANIE HERSHEY,
KNOWN HEIR OF JANE L. FIRESTONE,
BARRY R FIRESTONE, JANE L.
FIRESTONE, LAST RECORD OWNER,
1851 SPRING RD
CARLISLE, PA 17013
Defendant(s)
ATTORNEY FOR PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
Cumberland County
NO. 14-5250 Civil
WITHDRAWAL OF APPEARANCE
r
cl rt -1
• •-...— `.f `✓.
TO THE PROTHONOTARY:
Kindly withdrawal the appearance of the following counsel: Mark I Udren, Esquire; Stuart
Winneg, Esquire; Lorraine Doyle, Esquire; Sherri J. Braunstein, David Neeren, Esquire; Nicole Labletta,
Esquire; John Eric Kishbaugh, Esquire; and Amanda Rauer, Esquire on behalf of the Plaintiff, Bank of
America, N.A. in the above -captioned matter.
14020423-2
UDREN L S, P.C.
BY: /
Amanda 1147'
s uire — ID#307028
PHELAN HALLINAN, LLP
Adam H. Davis, Esq., Id. No.203034
1617 JFK Boulevard, Suite 1400
One Penn Center Plaza
Philadelphia, PA 19103
Adam.Davis@PhelanHallinan.com
215-563-7000
BANK OF AMERICA, N.A.
Plaintiff
vs.
Attorney for Plaintiff
UNKNOWN HEIRS, SUCCESSORS, ASSIGNS COURT OF COMMON PLEAS
AND ALL PERSONS, FIRMS OR
ASSOCIATIONS CLAIMING RIGHT, TITLE OR CIVIL DIVISION
INTEREST FROM OR UNDER JANE L.
FIRESTONE CUMBERLAND COUNTY
STEPHANIE HERSHEY, KNOWN HEIR OF No. 14-5250
JANE L. FIRESTONE
BARRY R FIRESTONE
JANE L. FIRESTONE
Defendant
ENTRY OF APPEARANCE
TO THE PROTHONOTARY:
Kindly enter our appearance as counsel on behalf of the Plaintiff, BANK OF AMERICA,
N.A. in the above captioned matter.
Date: W(?./(6r
PH # 957775
Phelan Hallinan, LLP
By:
Adam H. Davis, Esq., Id. No.203034
Attorney for Plaintiff
Phelan Hallinan, LLP
PHELAN HALLINAN, LLP
Adam H. Davis, Esq., Id. No.203034
1617 JFK Boulevard, Suite 1400
One Penn Center Plaza
Philadelphia, PA 19103
Adam.Davis@PhelanHallinan.com
215-563-7000
BANK OF AMERICA, N.A.
Plaintiff
vs.
UNKNOWN HEIRS, SUCCESSORS, ASSIGNS
AND ALL PERSONS, FIRMS OR
ASSOCIATIONS CLAIMING RIGHT, TITLE OR
INTEREST FROM OR UNDER JANE L.
FIRESTONE
STEPHANIE HERSHEY, KNOWN HEIR OF
JANE L. FIRESTONE
BARRY R FIRESTONE
JANE L. FIRESTONE
Defendant
Attorney for Plaintiff
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
No. 14-5250
CERTIFICATION OF SERVICE
I hereby certify a true and correct copy of the foregoing Entry of Appearance was served by
regular mail on Defendant(s) on the date listed below:
ESTATE OF BARRY R FIRESTONE
1851 SPRING ROAD
CARLISLE, PA 17013-0000
UNKNOWN HEIRS OF BARRY
FIRESTONE, DECEASED
1851 SPRING ROAD
CARLISLE, PA 17013-0000
PH # 957775
JANE L. FIRESTONE
1851 SPRING ROAD
CARLISLE, PA 17013-0000
Date:
PH # 957775
w/r
Phelan Hallinan, LLP
By: 52'5
Adam H. Davis, Esq., Id. No.203034
Attorney for Plaintiff
Phelan Hallinan, LLP