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Home My WebLink About14-5646 z S=upreme Court-of Pennsylvania 'Qu3odi Cornmt�:'n Pleas .. „. . . For Fro.thonotart Use OnIr, 11 l}��o�-xr.sheet 1 CUMBERLANDCLlulltv Docket No: S The information collected on this form is used solely for court administration purposes. This form does not Supplement or replace the Uing and service ofpleadings or other papers as required by law or rules of court. Commencement of Action- ® Complaint ❑ Writ of Summons ❑ Petition ,S ❑ Transfer from another Jurisdiction ❑ Declaration of Taking E Lead Plaintiff Name: Lead Defendant's Name: M&T BANK DORIS A.HOSTETTER O RAY E.HOSTETTER T I Dollar Amount Requested within arbitration limits p Are money Damages requested?: ❑ Yes No (Check one) X outside arbitration limits Is this a Class Action Suit? ❑ Yes ® NO Is this an MDJ Appeal? ❑ Yes ® NO A Name of Plaintiff/appellant's Attorney:KML Law Group,P.C. ❑ Check here if you are a Self-Represented(Pro Se Litigant Nature of the Case: Place an "X"to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT(do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEAL ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Debt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑ Nuisance ❑ Dept. of Transportation ❑ Premises Liability ❑ Zoning Board ❑ Product Liability(does not include ❑ Statutory Appeal: Other E mass tort) ❑ Employment dispute: ❑ Slander/Libel Defamation Discrimination ❑ Other ❑ Employment Dispute: Other T ❑ Other: I 0 MASS TORT ❑ Other ❑ Asbestos ❑ Tobacco ❑ Toxic Tort-DES REAL PROPERTY MISCELLANEOUS ❑ Toxic Tort-Implant ❑ Ejectment ❑ Common Law/Statutory ❑ Toxic Waste ❑ Eminent Domain/Condemnation Arbitration B ❑ Other ❑ Ground Rent ❑ Declaratory Judgment ❑ Landlord/Tenant Dispute ❑ Mandamus ® Mortgage Foreclosure:Residential 1 ❑ Non-Domestic Relations PROFESSIONAL LIABILITY ❑ Mortgage Foreclosure: Commercial Restraining Order ❑ Dental ❑ Partition ❑ Quo Warranto ❑ Legal ❑ Quiet title ❑ Replevin ❑ Medical ❑ Other Professional: ❑ Other ❑ Other Pa.R.C.P. 205.5 Updated 1/1/2011 "L LAW GROUP,P.C. SUITE 5000-BNY MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA,PA 19106 (866)41.3-2311 WW W.KMLI,AWGRDIJP.COM M&T BANK IN THE COURT OF COMMON PLEAS One Fountain Plaza Buffalo,NY 14203 OF CUMBERLAND COUNTY Plaint vs. CIVIL ACTION-LAW DORIS A.HOSTETTER RAY E.HOSTETTER ACTION OF MORTGAGE FORECLOSURE Mortgagor(s)and Record Owner(s) 167 Crossroad School Road `y-0% -y-'l Newville,PA 17241 cPALANION: IVMORtTGAGI Defendant(s) �S�� NOTICE FORE 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 the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claim in the Complaint of for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. 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. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle,PA 17013 ' r t LEGAL SERVICES INC `^ r-,.) 8 Irvine Row J Carlisle,PA 17013 717-243-9400 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 defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decider a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demands. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. REEVE ESTA DEMANDA A. UN ABOGADO IMMEDIATAMENTE. Sl NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR'I'AL SERVICO. VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA 1 AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. �yy�-} ®(� S•7 S�dQ SI USTED NO PUEDE PAGARLE A UN ABOGADO,ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle,PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 THIS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. RESOURCES AVAILABLE FOR HOMEOWNERS IN FORECLOSURE ACT NOW! Even though your lender(and our client)has filed an Action of Mortgage Foreclosure against you, you still may be able to SAVE YOUR HOME FROM FORECLOSURE. 1). Call an attorney. For referrals to a qualified attorney call either of the following numbers: or 717- 243-9400. 2). Call the Consumer Credit Counseling Agency at 1-800-989-2227 for free counseling. 3). Visit HUD'S website www.hud.gov for Help for Homeowners Facing the Loss of Their Homes. 4). Pennsylvania Housing Finance Agency also offers other loan programs that may assist homeowners in default. Please See the PHFA website http://www.12hfa.org/consumers/homeowners/real.AWX. 5). Call the Plaintiff(your lender) and ask to speak to someone about Loss Mitigation or Home Retention options. 6). Foreclosure Resource Center: http://www.philadelphiafed.org/foreclosure/ 7). Call or contact our office to request the amount to bring the account current, or payoff the mortgage or request a Loan Workout/Home Retention Package. Call our toll free number at 1-866-413-2311 or via email at homeretentiongkmllawgroup.com. Call Seth at 215-825-6329 or fax 215-825-6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215-825-6318 or Fax: 215-825-6418. Please reference our Attorney File Number of 13011617C. Para information en espanol puede communicarse con Loretta al 215-825-6344. This Action of Mortgage Foreclosure will continue unless you take action to stop it. COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is M&T BANK, One Fountain Plaza,Buffalo,NY 14203. 2. The names) and address(es) of the Defendant(s) is/are DORIS A. HOSTETTER, 167 Crossroad School Road,Newville,PA 17241 and RAY E. HOSTETTER, 167 Crossroad School Road,Newville,PA 17241,who is/are the mortgagor(s) and record owner(s) of the mortgaged premises hereinafter described. 3. On March 14,2007 mortgagor(s)made, executed and delivered a mortgage upon the Property hereinafter described to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS,INC.,AS NOMINEE FOR M&T BANK, which mortgage is recorded in the Office of the Recorder of Deeds of CUMBERLAND County on March 20, 2007 as Book#: 1985 Page: 3451. The mortgage has been assigned-to: M&T BANK by assignment of Mortgage recorded on April 04, 2014 as Instrument# 201.406835. The Mortgage and Assignments) (if any) are matters of public record and are incorporated by this reference in accordance with Pennsylvania Rule of Civil Procedure 1019(g); which Rule relieves the Plaintiff from its obligation to attach documents to pleadings if those documents are matters of public record. 4. The Property subject to the Mortgage is more fully described in the legal description set forth as Exhibit ":A" ("Property") 5. The mortgage is in default because the monthly payments are due and unpaid for October 01, 2013 and each month thereafter and by the terms of the Mortgage, upon default in such payments for a period of one month or more,the entire principal balance and all interest due and other charges are due and collectible. 6. The following amounts are due to Plaintiff on the Mortgage: Principal Balance..................................................................................$115,633.1.9 Interest from 09/01/2013 through 08/29/2014 at 6.0000%.......................$6,892.1.0 Per Diem interest rate at$19.01 LateCharges ...............................................................................................$383.70 Escrow/Impound Overdraft.....................................................................$4,321.70 PriorTitle Fees.............................................................................................$250.00 Prior Attorney Fees........................................................................................$50.00 PropertyInspections.....................................................................................$.126.00 Reasonable Attorney's Fee.......................................................................$1,650.00 $129,306.69 7. If the Mortgage is reinstated prior to a Sheriff s Sale, the Attorney's Fees set forth above may be less than the amount demanded based on work actually performed. Plaintiff reserves the right to request additional attorney's fees if the complexity of the action results in fees in excess of the amount demanded. Further,Plaintiff will request recovery of all costs incurred in this action including, but not limited to, costs of suit,process serving and skip tracing,title searches,recording costs and any other costs of the action in accordance with the mortgage documents and applicable.law. 8. Plaintiff is not seeking a judgment of personal liability(or an"in personam"judgment) against the Defendants in this Action but reserves its right to bring a separate Action to establish that right, if such right exists. If Defendants have received a discharge of their personal liability in a Bankruptcy proceeding,this Action of Mortgage Foreclosure is, in no way, an attempt to re-establish the personal liability that was discharged in Bankruptcy,but only to foreclose the Mortgage and sell the Property pursuant to Pennsylvania law. 9. Plaintiff sent Defendants the notice as required by 35 P.S. Section 1680.401 et. seq. (Act 91 of 1983) or by 41 P.S. Section 403 (Act 6 of 1974) or as required by the Mortgage("Notice".). A true and correct copy ofthe.Notice is attached-and incorporated as Exhibit`B". WHEREFORE,Plaintiff demands a de terris judgment in mortgage foreclosure in the sum of$129,306.69, together with interest at the rate of$19.O1,.per day and other expenses, costs and charges incurred by the Plaintiff which are properly chargeable in accordance with the terms of the Note and Mortgage and Pennsylvania law until the Mortgage is paid in full, and for the foreclosure of the Mortgage and Sheriff's Sale of the Property. n By: KML LAW GROUP, C. Michael McKee (A Pa. ID 561.29 Jay E. Kivitz Pa. ID 26769 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Joshua I. Goldman Pa. ID 205047 Jill P. Jenkins Pa. ID 306588 Andrew F. Gornall Pa. ID 92382 Alyk L. Oflazian Pa. ID 312912 alvatore Filippello Pa. ID 313897 Jennifer Lynn Frechie Pa. ID 31.6160 Attorneys for Plaintiff I VERIFICATION I I, Mark Buell as the representative of the Plaintiff corporation within named do hereby verify that I am authorized to and do make this verification on behalf of the Plaintiff corporation and the facts set forth in the foregoing Complaint are true and correct to the i best of my information and belief. I understand that false statements therein are made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. Date: ark Buell/Assistant Vice President #13011617C-DORIS A.HOSTETTER and RAY E.HOSTETTER 167 Crossroad School Road,Newville,PA 17241 Eyhl. Z ,4 J . ALL the following described real estate,to with the improvements thereon erected, lying and being situate in the Township of West Pennsboro, County of Cumberland and Commonwealth of Pennsylvania, more particularly described as follows; BEGINNING at a point on a public road(being Township Road No.438)at the end of 6`s line of that tract of land,containing 150.1125 Acres,more or less,which was'cbnveyed by John P.Walters and Hilda S.Walters,his wife,to John R Frey and Dorothy M.Frey,his wife,by deed dated February 26, 1947 and recorded in the Office of the Recorder of Deeds for Cumberland County in Deed Book"U1,volume 13,Page 373 on March 10, 1947; running thence along the 7d`line of said tract by land now or formerly of Emanuel Wagner,Northeastw 1 OOlyfeet . feet; thence by the remainder of said tract containing 150.1125 Acres,more or less, Southeastwardly ly 100 feet thence by the same Southwestad200 0,0.00 square feet, more or les id sublic road Being known and numbered as 167 to the Place of Beginning. Containing Crossroad School Road,Newville,Pennsylvania. BEING the same premises which Doris A. Hostetter, Hazel E. Walters, Norman R. Smith, Gladys P. Palmer, Sandra K. Weaver, Joyce M. Hoch,Esther E. Adams, and Ronald B. Smith, by their Deed dated Pen 16 19 7 and recorded April 21, 1997 in the ffand conveyed une of the to DorisHostetter and Raer of Deeds in and for y E.Hostetter.county,land � in Deed Book 156,Page 120,granted *Exhibit has been redacted to remove all personally identifiable information or non-public information REPRESENTATIONLOJOWL* €NT 9207 1969 0043 7100 0217 3346 37 M&TBank P.O. Box 840 Buffalo, NY 14240 5-750-73648-0000005-001-01-000-000-000-000 DORIS A HOSTETTER 167 CROSSROAD SCHOOL RD NEWVILLE PA 17241 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT 5.750-73e48-0000005-001-02-000.000.000.000 APPENDIX A Date: December 13,2013 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 Agencies serving your County are listed at the end of this Notice If you have any questio-us,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 NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT 5-750.73648-0000005-001-03-000-000-000-000 HOMEOWNER'S NAME(S): DORIS A HOSTETTER PROPERTY ADDRESS: 167 CROSSROAD SCHOOL RD NEWVILLE PA 17241 LOAN ACCT.NO.: _2380 ORIGINAL LENDER: M&T Bank CURRENT LENDER/SERVICER: M&T Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ILIGIBLE 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 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 agency 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 �r the county in which the propeM is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies.have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty(30)days of your face-to-face meeting with the counseling agency YOU SHOULD FILE A HEMAP APPLICATION AS 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". INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT 5.750.73648-0000005-001-04-000-000-000-000 YOU HAVE THE RIGHT TOFILE 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. (If 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 MORTAGAGE debt held by the above lender on your property located at: 167 CROSSROAD SCHOOL RD NEWVILLE PA 17241 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: October 1, 2013 through December 13,.2013 $2,302.26 Other charges (explain/itemize): $76.74 TOTAL AMOUNT PAST DUE: $2,379.00 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30)DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $2,379.00, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Pa=ents must be made either b cash, cashier's check. certified check or money order made payable and sent to M&T Bank P.O. Box 62182 Baltimore,MD 21264-2182 Attn: Payment Processing 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 added to the anlountyou owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY 4j0)-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. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT 5-750-73648-0000005-001-05.000-000.000-000 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 un to one hour before the Sheriffs Sale You may do so by_ a ing 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 ani other costs connected with the. Sheriffs Sale as specified in writing by lender and b�Lperforminganother 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 10 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: M&T Bank Address: P.O.Box 840 Buffalo,NY 14240 Phone Number: 1-800-724-1633 Fax Number: 1-855-678-0866 Contact Person: Evelyn Wilson E-Mail Address: ewilsonna mtb com EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the 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 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 TJ-lF LEN DFiZ. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT 5-750-73648-0006005-001-06-000-000-000-000 ,w Foreclosure Mitigation Counseling IENhlSYLVAF114Mou5N�Fltvar�cz.a�eNty InitiativeAgencleS Agencias Participantes que Aconsejan en Mitigaci6n contra la Ejecuci6n de una,Hipoteca NOTICE: If you are a resident of Philadelphia, you must choose one of the Save Your Home Philly counseling agencies to be afforded the most punctual access to the Philadelphia Disposition process. \ Most of PHFA's Foreclosure Mitigation Counseling Initiative network agencies are also in the Save Your Home Philly network. To see a list: http://www.phila.gov/OHCD/csigagencies.htm Cumberland County ` Advantage Credit Counseling Service/CCCS of Western PA 2000 Linglestown Road Harrisburg,PA 17102 888-511-2227 Community Action Commission of Capital Region 1514 Derry Street Harrisburg,PA 17104 717-232-9757 Housing Alliance of York/Y Housing Resources 290 West Market Street York,PA 17401 717-855-2752 Maranatha 43 Philadelphia Avenue Waynesboro,PA 17268 717-762-3285 PathStone Corporation 1625 North Front St Harrisburg,PA 17102 717-234-6616 PathStone Corporation 450 Cleveland Ave Chambersburg,PA 17201 717-264-5913 PA Interfaith Community Programs Inc 40 E High Street Gettysburg,PA 17325 717-334-1518 PHFA 211 North Front Street Harrisburg,PA 17110 717-780-3940 800-342-2397 NOTE:For more information,questions,or concerns regarding this list,contact PHFA at 1.800.822.1174. *Other locations available to serve you;inquire with agency for more information. INTERNET REPRINT REPRESENTATIONSfW41#MENT 9207 1969 0043 7100 0217 3346 44 M&T Ban1c P.O. Box 840 Buffalo, NY 14240 2-750.73648-0000006-001-01-000-000-000-000 RAY E HOSTETTER 167 CROSSROAD SCHOOL RD NEWVILLE PA 17241 INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT 2-750-73648-0000006-001-12-000-000-000-000 APPENDIX A Date: December 13,2013 ACT 91 NOTICE TAKE ACTION TO SAVE . YOUR HOME FROM FORECLOSURE'S 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 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 NOTIFICACI6N EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA .UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. J INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT 2-730-73645-0000006-001-03-000-000-000-000 HOMEOWNER'S NAME(S): RAY E HOSTETTER PROPERTY ADDRESS: 157 CROSSROAD SCHOOL RD NEWVILLE PA 17241 LOAN ACCT.NO.: _2380 ORIGINAL LENDER: M&T Bank CURRENT LENDER/SERVICER: M&T Bank 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 (331 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 agency 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 counselinu agencies for the counjy in which the propeM is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to = PHFA and received within thirty (30)days of your face-to-face meeting with the counseling agency YOU SHOULD FILE A HEMAP APPLICATION AS 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". INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT 2-750-73648-0000006-001-04-000-000-000-000 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. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OFF THE DEFAULT - The MORTAGAGE debt held by the above lender on your property located at: 167 CROSSROAD SCHOOL RD NEWVILLE PA 17241 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: October 1,2013 through December 13, 2013 $2,302.26 Other charges(explain/itemize): $76.74 TOTAL AMOUNT PAST DUE: $2,379.00 HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (30)DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $2,379.00, 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: M&T Bank P.O.Box 62182 Baltimore,MD 21264-2182 Attn: Payment Processing 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 tolstart 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 attorncy'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. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT 2-750-73648-0000006-007-05-000-000-000-000 RIGHT TOi�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 m� d-Q-so paving the total amount then Hast due. 1 l)lls any ate -r to ar her che then due, reasonable attorney's fees and costs connected with the foreclosure sale and Any-other costs connected with the Sheriff s Sale aLsnecified in writing by lender and by performing mother 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 10 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: M&T Bank Address: P.O. Box 840 Buffalo,NY 14240 Phone Number: 1-800-724-1633 Fax Number: 1-855-678-0866 Contact Person: Evelyn Wilson E-Mail Address: ewilson@mtb.com EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the 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 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 I3Y TIM LEND. R. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. INTERNET REPRINT REPRESENTATION OF PRINTED DOCUMENT 2-750-73648-0000006.001-06-000-000-000-000 II'Tno ,,1 PH FForeclosure Mitigation Counseling PENNSYLVANIA HOUSING FINANCE AGENCY Initiative Agencies Agencias Participantes que Aconsejan en Mitigacion contra la Ejecucion de una Hipoteca NOTICE: If you are a resident of Philadelphia, you must choose one of the Save Your Home Philly counseling agencies to be afforded the most punctual access to the Philadelphia Disposition process. Most of PHFA's Foreclosure Mitigation Counseling Initiative network agencies are also in the Save Your Home Philly network.To see a list: http://www.phila.gov/OHCD/csigagencies.htm Cumberland County Advantage Credit Counseling Service/CCCS of Western PA 2000 Linglestown Road Harrisburg,PA 17102 888-511-2227 CommunityAction Commission of Capital Region 1514 Derry Street Harrisburg,PA 17104 717-232-9757 Housing Alliance of York/Y Housing Resources 290 West Market Street . York,PA 17401 717-855-2752 Maranatha 43 Philadelphia Avenue Waynesboro,PA 17268 717-762-3285 PathStone Corporation 1625 North Front St Harrisburg,PA 17102 717-234-6616 PathStone Corporation 450 Cleveland Ave Chambersburg,PA 17201 717-264-5913 PA Interfaith Community Programs Inc 40 E High Street Gettysburg,PA 17325 717-334-1518 PHFA 211 North Front Street Harrisburg,PA 17110 717-780-3940 800-342-2397 NOTE:For more information,questions,or concerns regarding this list,contact PHFA at 1.800.822.1174. 'Other locations available to serve you;inquire with agency for more information. INTERNET REPRINT KML Law Group, P.C. SUITE 5000 —BNY INDEPENDENCE -CENTER ---; 701 MARKET STREET PHILADELPHIA, PA 19106-1532 (215) 627-1322 ATTORNEY FOR PLAINTIFF M&T BANK One Fountain Plaza Buffalo, NY 14203 vs. DORIS A HOSTETTER RAY E HOSTETTER 167 Crossroad School Road NEWVILLE, PA 17241 Plaintiff Defendant(s) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE Term No. 14 -5646 -civil PRAECIPE TO REINSTATE COMPLAINT Kindly reinstate the Complaint in the above captioned matter. By: KML LAW ROUP, P.C. Michael McKeever Pa. ID 56129 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Jay E. Kivitz Pa. ID 26769 Jill P. Jenkins Pa. ID 306588 Joshua I. Goldman Pa. 205047 —sr Pyk L. Oflazian Pa. ID 312912 Jennifer Lynn Frechie Pa. ID 316160 Attorneys for Plaintiff SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny RAnderson FiLED'OFFICL: Sheriff PROTHONOTA0 Jody S Smith Chief Deputy Richard W Stewart Solicitor CAIN OF/4E: $14EP,IFF 211111 NOV I PM 3CUMBERLAND COUNT PENNSYLVANIA : Oq M&T Bank vs. Doris A Hostetter (et al.) Case Number 2014-5646 SHERIFF'S RETURN OF SERVICE 1108/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligentsearch and inquiry for the within named Defendant to witDoris A Hostetter, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Perry, Pennsylvania to serve the within Complaint in Mortgage Foreclosure according to law. 11/03/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Ray E Hostetter, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Perry, Pennsylvania to serve the within Complaint in Mortgage Foreclosure according to law. 1105/2014 12:56 PM - The requested Complaint in Mortgage Foreclosure served by the Sheriff of Perry County upon Doris Hostetter, who accepted for Ray E Hostetter, at 1022 Paradise Road, New Bloomfield, PA 17068. Carl E. Nace, Sheriff, Return of Service attached to and made part of the within record. 11/05/2014 12:56 PM - The requested Complaint in Mortgage Foreclosure served by the Sheriff of Perry County upon ' Doris A Hostetter, personally, at 1022 Paradise Road, New Bloomfield, PA 17068. Carl E. Nace, Sheriff, Return of Service attached to and made part of the within record. SHERIFF COST: $53.00 SO ANSWERS, November 07, 2014 RONNYRANDERSON, SHERIFF (c) CountySuito Sheriff, 'ref eosoff, Inc. Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY .. i .- 17 1 u os ,nttt�a, tG" THE E PROi1 HON`}. OFFICE OF ;' !: SitERIFF 1:11-1 NOV 11 Pli 3: 0 PENNSY n ANIA COUNTY M&T Bank vs. Doris A Hostetter (et al.) Case Number 2014-5646 SHERIFF'S RETURN OF SERVICE 09/24/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Doris A Hostetter, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Complaint in Mortgage Foreclosure as "Not Found" at 167 Crossroad School Road, West Pennsboro, Newville, PA 17241. Residence is vacant and as of October 24, 2014 the Newville Postmaster has not been able to provide a forwarding address. 09/24/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Ray E Hostetter, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Complaint in Mortgage Foreclosure as "Not Found" at 167 Crossroad School Road, West Pennsboro, Newville, PA 17241. Residence is vacant and as of October 24, 2014 the Newville Postmaster has not been able to provide a forwarding address. SHERIFF COST: $57.56 SO ANSWERS, RONf?-17Z ANDERSON, SHERIFF October 24, 2014 (c) CountySuite Sheriff, Teleosoft. inc. M & T Bank Versus Doris A. Hostetter and Ray E. Hostetter IN THE COURT OF COMMON PLEAS OF THE 41st JUDICIAL DISTRICT OF PENNSYLVANIA, PERRY COUNTY BRANCH No. 2014-5646 Cumberland County SHERIFF'S RETURN And now November 5 , 2014: Served the within name Doris A. Hostetter the defendant(s) named herin, personally at her place of residence in Wheatfield Twp -1022 Paradise Rd. New Bloomfield,PA Perry County, PA, on November 5 , 2014 at 12:56 o'clock PM by handing to Doris A. Hostetter, Def. 1 true and attested copy(ies) of the within Complaint in Mortgage Foreclosure and made known to her the contents thereof Sworn and subscribed to before me this 544 So answers day of ah , cQ I4 Thi Ct2O <P-Patlueeetafy— COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL MARGARET F. FLICKINGER, Notary Public Bloomfield Boro, Perry County My Commission Expires February 16, 2016 f Perry County M & T Bank Versus Doris A. Hostetter and Ray E. Hostetter IN THE COURT OF COMMON PLEAS OF THE 41st JUDICIAL DISTRICT OF PENNSYLVANIA, PERRY COUNTY BRANCH No. 2014-5646 Cumberland County SHERIFF'S RETURN And now November 5 , 2014: Served the within name Ray E. Hostetter the defendant(s) named herin, personally at his place of residence in Wheatfield Twp -1022 Paradise Rd. New Bloomfield, PA Perry County, PA, on November 5 , 2014 at 12:56 o'clock PM by handing to Ray E. Hostetter, Def. 1 true and attested copy(ies) of the within Complaint in Mortgage Foreclosure and made known to him the contents thereof Sworn and subscribed to before me this 6:1-11 day of I th1 Py'1hAi'_' 02 0/ y So answers -Pferthertekety COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL MARGARET F. FLICKINGER, Notary Public Bloomfield Boro, Perry County My Commission Expires February 16, 2016 heriff ;Ferry County