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HomeMy WebLinkAbout14-6198 Supreme Court of Pennsylvania Cour", Co on Pleas }y VYI:C©1?efiSleet For ProthonotaryL•',seOnh•: CUMBEZL"At�NT) ',f County Docket No: l " sir the h fomwtion collectedon dais for7n is used soleh"for corn-1 adtninisn•ation parPtoses. .This form does not supplement or replace the f link and sen-ice of pleadinbs or olhel'papers os required by 1mv or rules of court. Commencement of Action: S ®CompIaint ❑Writ of Summons ❑Petition E ❑Transfer from Another Jurisdiction ❑Declaration of Takia C Lead Plaintiff's Name: Lead Defendant's Name: T CITIFINANCIAL SERVICING LLC John M. Glace Dollar Amount Requested:❑within arbitration limits I Are money damages requested?. ❑Yes ®No O check one Eloutside arbitration limits N Is this a Class Action Suit? ❑Yes ®No Is this an MDJAppeal? ❑Yes g No A Name of PlaintiffJAppellant's Attorney:Robert W. Williams,Esquire ❑ Check here if you have no attorney(are a Self-Represented I Po 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 ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Debt Collection:Credit Card El Motor Vehicle El Board of Assessment ❑ Nuisance ❑ Debt Collection:Other ElBoard of Elections ❑ Premises Liability ❑ Dept.of Transportation ❑ Product Liability(does not include ❑ Statutory Appeal:Other mass tort) ❑ Employment Dispute: S ❑ Slander/Libel/Defamation Discrimination E ❑ Other. ❑ Employment Dispute:Other ❑ Zoning Board C ❑ Other: T MASS TORT I El Asbestos other: O ❑ Tobacco N ❑ Toxic Tort—DES ❑ 'Toxic Tort—Implant REAL PROPERTY MISCELLANEOUS B ❑ Toxic Waste ElEjectment ❑ Common Law/Statutory Arbitration ❑ Other: ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment ❑ Ground Rent ❑ Mandamus ❑ Landlord/Tenant Dispute ❑ Non-Domestic Relations ® Mortgage Foreclosure:Residential Restraining Order PRO.F"ESSIONAL LIABILITY ❑ Mortgage Foreclosure:Commercial ❑ Quo Warranto ❑ Dental ❑ Partition ❑ Replevin ❑ Legal ❑ Quiet Title ❑ Other: ❑ Medical ❑ Other: ❑ Other Professional: PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012 F IM'J-01-FICE H iT€i lE ? iia "r' MILSTEAD & ASSOCIATES, LLC BY: Robert W. Williams, Esquire OCT 22 AN 10: 4,3, ID No. 315501 C�.t;=� ri_�i r. , 1 E. Stow Road �-'j 1syt I -C' ? , Marlton,NJ 08053 PE VA (856) 482-1400 Attorney for Plaintiff File: 88.36655 CITIFINANCIAL SERVICING LLC COURT OF COMMON PLEAS 1.000 Technology Drive CUMBERLAND COUNTY O'Fallon,MO 63368, Plaintiff, l� g elVs. No.. )y1 � , John M. Glace CIVIL ACTION MORTGAGE 1 E. Main Street FORECLOSURE Shiremanstown, PA 17011, Defendant oj 7< �f� 141; NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 717-249-3166 800-990-9108 ************************************************************************************************** NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT ************************************************************************************************** 1. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 2. Unless you dispute the validity of this debt, or any portion thereof, within 30 days after receipt of this notice, the debt will be assumed to be valid by our offices. 3. If you notify our offices in writing within 30 days of receipt of this notice that the debt, or any portion thereof, is disputed, our offices will provide you with verification of the debt or copy of the Judgment against you, and a copy of such verification or judgment will be mailed to you by our offices. MILSTEAD &ASSOCIATES, LLC BY: Robert W. Williams, Esquire ID No. 315501 1 E. Stow Road Marlton,NJ 08053 (856)482-1400 Attorney for Plaintiff CITIFINANCIAL SERVICING LLC COURT OF COMMON PLEAS 1000 Technology Drive CUMBERLAND COUNTY O'Fallon,MO 63368, Plaintiff, ' No.: Vs. i CIVIL ACTION MORTGAGE John M. Glace FORECLOSURE 1 E.Main Street Shiremanstown,PA 17011, Defendant COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, CITIFINANCIAL SERVICING LLC (the"Plaintiff'), is registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at 1000 Technology Drive, O'Fallon, MO 63368. 2. The property herein after described was owned by John M. Glace and Jody Z. Glace a/k/a Jody G. Glace a/k/a Jody Glace, his wife,by virtue of a Deed dated November 1, 1988,recorded January 12, 1989 in Deed Book T33, Page 573. The Deed is attached hereto as Exhibit"A" and made a part hereof. The said Jodi Z. Glace a/k/a Jodi G. Glace departed this life on August 18, 2010, whereupon,title vested in Defendant John M. Glace. 3. Defendant, John M. Glace, (the "Defendant"), is an adult individual and upon information and belief, resides at 1 E. Main Street, Shiremanstown, PA 17011. 4. On March 28, 2003, in consideration of a loan in the principal amount of$65,856.57, Defendant John M. Glace and Jody Z. Glace a/k/a Jodi G. Glace aka Jody Glace, Deceased Mortgagor and Real Owner, executed and delivered to CITIFINANCIAL, INC. a note(the "Note") with interest thereon at 10.3092 percent per annum,payable as to the principal and interest in equal monthly installments of$649.08 commencing May 2, 2003. The current interest rate is 9.8100 percent per annum. The Note is attached hereto as Exhibit`B"and made a part hereof 5. To secure the obligations under the Note, Defendant John M. Glace and Jody Z. Glace a/k/a Jody G. Glace a/k/a Jody Glace, Deceased Mortgagor and Real Owner, executed and delivered to CITIFINANCIAL, INC. a mortgage(the"'Mortgage") dated March 28, 2003, recorded on April 1, 2003 in the Department of Records in and for the County of Cumberland under Mortgage'Book 1803, Page 1992. The Mortgage is attached hereto as Exhibit"C"and made a part hereof. 6. Plaintiff is proper party Plaintiff by way of an Assignment of Mortgage recorded September 11,2014 under Instrument 201420498. The recorded Assignment of Mortgage is attached hereto as Exhibit"D"and made a part hereof. 7. The Mortgage secures the following real property(the"Mortgaged Premises"): 132 Brindle Road, Mechanicsburg, PA 17055. A legal description of the Mortgaged Premises is attached hereto as Exhibit"E" and made a part hereof. 8. The Defendant is in default of his/her obligations pursuant to the Note and Mortgage because payments of principal and interest due October 2, 2013, and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become due and payable forthwith together with late charges, escrow deficit(if any) and costs of collection including title search fees and reasonable attorney's fees. 9. The following amounts are due on the Mortgage and Note: Principal Balance ......................................$52,125.29 Accrued but Unpaid Interest from 11/18/2013 to 9/20/14..................................$4,286.90 TOTAL as of 09/20/2014..........................$56,412.19 Plus, the following amounts accrued after September 20, 2014: Interest at the Rate of 9.8100 percent per annum($14.01 per diem); Late Charges per month if applicable. 10. Plaintiff has complied fully with Act No. 91 (35 P.S.'1680.401(c) of the 1983 Session of the General Assembly("Act 91") of the Commonwealth of Pennsylvania,by mailing to the Defendant at 132 Brindle Road, Mechanicsburg, PA 17055 as well as to address of residences as listed in paragraph 3 of this document on March 6, 2014, the notice pursuant to § 403-C of Act 91, and the applicable time periods therein have expired. The Act Notice is attached hereto as Exhibit"F" and made a part hereof. WHEREFORE, Plaintiff demands an in rem judgment against the Defendant for foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 9, namely, $56,412.19,plus the following amounts accruing after September 20, 2014, to the date of judgment: (a) interest of$14.01 per day, (b) late charges per month if applicable, (c)plus interest at the legal rate allowed on judgments after the date of judgment, (d) additional attorney's fees (if any)hereafter incurred, (e) and costs of suit. M D &ASSOCIATES, LLC Date: � Robert . Williams, Esquire Attorney for Plaintiff VERIFICATION Barbara A. Valencia, hereby states that he/she is employed as Vice President — Document Control of CitiMortgage, Inc. Pursuant to an agreement, CitiMortgage, Inc., provides certain loan servicing activities to CITIFINANCIAL SERVICING LLC, the Plaintiff in this matter. CITIMORTGAGE, INC., is authorized to act on behalf of the mortgagee CITIFINANCIAL SERVICING LLC. I am authorized to execute this Verification on behalf of CITIFINANCIAL SERVICING LLC, pursuant to the corporate resolutions of CITIFINANCIAL SERVICING LLC. CITIMORTGAGE, INC., on behalf of plaintiff in this matter is authorized to make this Verification. The statements of fact contained in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of my information and belief. I understand that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. AFFIANT: By Name:��.� g {�• �l e ctiC�p Date: () ,s 291 Ss O1 File#: 88.36655 Name: John M. Glace Exhibit A Y�.tso„4ro.,}nansrq lt.� MnnAta.od�nMletsCQ.rIG.}xetVdiwse�.Riu,. Vito 3atnture day of �CrVtriFb6r in the gaa+of Oar Leta One thousand nhte bandred auitl gixftf t 24861 ; ,rem e. azrouaene and anMn Optxttcb7tr hS>< alms f [heremwfter 68116d 49 Grantors 1,Of the one part,M+d .TM N. GIA" OM=T Z. 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Id AmavAl of anPtba[+n Te,tW.v'asy.of Inhr+a t'.o;N ' ' 2 66RiIf AapfepMa410e1t t3.hw kn rar�ayrftnn tknMsd i a WIB or'vall"wtamlon i - G}'fraasftt m IRdasWal6mcb,p�fa!Agener. I+�• , i TroMfer Fe agrfl ar+vaw pafr.(AHuh Capt a#vttancylttma pMty vpreo Teemfkr opm.(Ak.th W r flw'rlw.a trw!ooMAjjt'c TDA pro prte.bead B TrandRn,w fkv 1:emftAn-"RW the Unood t mfm,and bwaxeemolkln br oda dWd{eadonr tMA. eaAen or M MW-f cwdemadn.. IANO copy m w,*Jon). ' f . T,araf.t I'IR VKZCVO in d Ilf194r of a rtet¢14"In dthotl,Mpfigege Beek fgUp4.r „ ,raoe W.,6n . t6ft"11.0 deed(Arndt"d(fe prier deed}, ' Q 510mry tNl*.tc wETA4.1 N merger a em)k 0.(Altoeb copy vF ertkhfe). • M cow pmetw wptaM.hMP1 wl d-W W,0 vi 6"d+aa steed ebavn,(' and JefP.�Ir+�aFswNlekdan►rhatiPkI.. OdfHRFrV1►meal.�neiddtau�eTPoevfnpbtkmwNaxcundro�rtlkfoetoitnYkna dee +M b+Ald;M N iPoR, AbprpkM. e P e etbgp . tSEk R64fa4�� +8' 3IM 012014 8,3457 Am OW BLAND COUNTY Is o't 199900135-Page so(5 biscl©sure Statement, NA and Security Agreeme Borrower(s)(Name and mailing address) Lender(Name,address,city and state) Account No_ JOHN M GLACE CITIFINANCIAL, INC. JODY GLACE 132 BRINDLE RD 3401 HARTZDALE DRIVE SUITE 126 —0, an MECHANICSBURG PA 17050 CAMP HILL PA 17011 03/28/2003 AWUAL PERCENTAGE RATEIFINANCE CHARGE Amount Financed Total of Payments The cost of Borrower's credit ahe dollar amount the credit wil The amount of credit provided to The amount Borrower will have a yearly rate. ost Borrower. Borrower or on Borrower's behalf. paid after Borrower has made all payments as scheduled. 10.75 % 91,840.79 $ 63,938.41 $ 155,779.20 Payment Schedule: Security If checked,Borrower is giving a security Number of Amount of When Payments interest in: Payments Payments" Are Due X❑ Real Property 240 $ 649.08 MONTHLY BEGINNING 05/02/2003 ❑ Mobile Home or Manufactured Home $ Late Charge:If a payment is more than 15 days late, $ Borrower will be charged a late charge of the greater of$ 20.00or 10.4'c of the payment amount. $ Prepayment: If Borrower pays off early,Borrower: See the contract documents for any additional information about nonpayment,default, ❑will not ❑may have to pay a penalty,and any required repayment in full before the scheduled date,and prepayment refunds and will not be entitled to a refund of part of the finance penalties. charge. "Does not include any insurance premium. Additional Information: Total emuunt of Ecco mmt6S pa}meal inducting i-prtmtums.irony. PRINCIPAL PO1M5 DATE CHARGES BEGI`7 S 649.08 $ 65,856.57 $ 1,918.16 04/02/2003 Required insurance Disclosure: If Borrower grants Lender a security interest as indicated in this document, insurance to protect the Lender's interest in the collateral may be required. If this loan is secured by real property,or mobile/manufachired home,then fire,extended coverage,collision and/or Comprehensive casualty insurance is required naming Lender as loss payee, until the loan is fully paid. The amount of such insurance must be sufficient to satisfy the unpaid balance of the loan,or be equal to the value of the collateral,whichever is less.Such insurance may be provided through an existing policy or a policy obtained independently and purchased by Borrower. Borrower may obtain such insurance from any insurer that is reasonably acceptable to Lender. Optional Insurance Disclosure: Borrower is not required to purchase optional insurance products, such as: Credit Life, Credit Disability, Involuntary Unemployment Insurance or any other optional insurance products.Lender's decision to grant credit will not be affected by Borrower's decision to purchase or decline to purchase optional insurance. Coverage will not be provided unless Borrower signs and agrees to pay the applicable monthly premium in addition to the monthly loan payment disclosed above. Borrower should refer to the terms contained in the applicable certificate or policy of insurance issued for the exact description of benefits, exclusions and premium rates. If Borrower purchases insurance,Borrower's monthly payment will include both the monthly I an payment disclosed above and the applicable monthly premiums. VWe request the following insurance: l Premium Due with First Year's Insurance ' Z D the First Month's Premium* Type: t no e s ignature Date Loan Payment $NONE $ Z$ d3 $NONE $ $NONE $ and ower's Signature Daft (*First year's premiums are calculated on the assumption that monthly loan payments are timely made). Accrued but unpaid premium, if not paid earlier,will be due and payable at the time of the final payment on the loan.However,failure to pay premiums may result in termination of insurance as described below. Termination of insurance: Borrower may cancel any of the optional insurance products offered at any time. The optional insurance will terminate upon the earliest of the following occurrences: (I) the Lender's receipt of Borrower's written request for termination; (2) on the date when the sum of past due premiums equal or exceed four times the first month premium; (3) termination pursuant to the provisions of the insurance certificate; (4) payment in full of Borrower's Loan; (5) death of Borrower. TERMS: In this Disclosure Statement, Note and Security Agreement,the word"Borrower"refers to the persons signing below as Borrower,whether one or more. If more than one Borrower signs,each will be responsible,individually and together,for all promises made and for repaying the loan in furl. The word"Lender"refers to the Lender,whose name and address are shown above. PROMISE TO PAY: In return for a loan that Borrower has received, Borrower promises to pay to the order of Lender the Principal amount shown above,plus interest on the unpaid Principal balance from the Date Charges Begin shown above until fully paid at the following Rate of Interest: RATE OF INTEREST: 10.3 092 %per annum on the entire unpaid Principal balance.Lender will compute interest on the unpaid Principal balance on a daily basis from the date charges begin until Borrower repays the loan. If Borrower does not make sufficient or timely payments according to the payment schedule above, Borrower will incur greater interest charges on the loan. Any amount shown above as Points has been paid by Borrower as points and any amount shown below as a Buydown Fee has been paid by a parry other than Borrower as a buydown fee. These amounts are considered prepaid charges and are in addition to the above Rate of Interest. Any Points or Buydown Fee are earned prior to any other interest on the loan balance,and in the event of prepayment of the loan,will not be refundable to Borrower. $NONE has been paid by a party other than Borrower as a Buydown Fee. Principal and interest shall be payable in the substantially equal monthly installments shown above,except that any appropriate adjustments will be made to the first nail fatal payments, beginning on the first payment date shown above and continuing on the same day in each following month until paid in full. Upon the final payment date or the acceleration thereof. the entire outstanding balance of Principal and interest evidenced by this Disclos[[[e Statement,Note and Security Agreement shall be due and payable. Any payment(s)which Leader accepts after the fment,date e acceleration thereof do not constitute a renewal or extension of this loan unless Lender so determines. Borrower's Initia PA 25422-12 2/2003 Original(Branch) Copy (Customer) ge I of 3 JOHN M GLACE JODY GLACE 03/28/2003 Each payment shall be applied as follows:,(1)monthly loan payments due(first to interest, then 4. principal), (2)insurance premiums due,(3)unpaid interest to the date of payment,if any,then(4)principal.Lender may collect interest from and after maturity and after a judgement is entered upon the unpaid Principal balance at either the maximum rate permitted by the then applicable law or the rate of interest prevailing under this Disclosure Statement;Note and Security Agreement, LATE CHARGE:If any installment is paid more than 15 days after the scheduled payment date,Borrower agrees to pay a late charge of the greater of$ 20.00or 10.0%of the installment amount"Lender may,at its option,waive any late charge or portion thereof without waiving its right to require a late charge with regard to any other late payment. PREPAYMENT: Borrower may make a full or partial prepayment of the unpaid Principal balance at any time(check applicable box): ❑ without penalty. QX if this loan is secured primarily by a Mortgage or Deed of Trust on residential real property and Borrower prepays this loan in full during the fust three(3)years from the Date of Loan,Borrower agrees to pay a prepayment charge,in addition to any accrued interest and charges,equal to six (6)months interest on the average balance of the principal obligation outstanding as of the last business day of each month for the prior six(6) months, or such lesser period as shall have elapsed from the Date Charges Begin, at the Rate of Interest prevailing under this Disclosure Statement,Note and Security Agreement.If prepayment occurs after three(3)years from the Date of Loan,there will be no prepayment fee. When Borrower makes a prepayment. Borrower will tell Lender in a letter that Borrower is doing so. Lender will use Borrower's prepayments to reduce the amount of unpaid interest and charges and the amount of principal that Borrower owes under this Note. Partial prepayment and the application of a Refund to the unpaid balance of the loan will not affect the amount or due date of subsequent scheduled payments on the loan,unless Lender agrees in writing to any such delay or change, but may reduce the number of such payments. Borrower understands if the terms of this paragraph provide for a prepayment penalty,such terms do not apply to a renewal or refinancing of this loan by Lender,nor to the prepayment of this loan from the proceeds of any loan trade in the future by Lender to Borrower"No prepayment charge will be collected if the loan is accelerated due to Borrower's default or Lender's exercise of any due on sale clause in the Deed of Trust securing this obligation. SECURITY: This loan is secured by a lien against the real property located at 132 BRINDLE RD MECHANICSBURG PA 17050 See Mortgage or Deed of Trust for terms applicable to Lender's interest in Borrower's real property("Property"). INSURANCE: If Borrower purchases any insurance at Lender's office, Borrower understands and acknowledges that(1)the insurance company may be affiliated with Lender,(2)Lender's employees)may be an agent for the insurance company,(3)such employee(s)is not acting as the agent,broker or fiduciary for Borrower on this loan,but may be the agent of the insurance company,and(4)Lender or the insurance company may realize some benefit from the sale of that insurance.if Borrower fails to obtain or maintain any required insurance or fails to designate an agent through whom the insurance is to be obtained.Lender may purchase such required insurance for Borrower through an agent of Lender's choice,and the amounts paid by Lender will be added to the unpaid balance of the loan. RETURNED CHECK FEES:Lender may charge a fee,not to exceed S 20.00,if a check,negotiable order of withdrawal or share draft is returned for insufficient funds or insufficient credit. LOAN CHARGES: If a law that applies to this loan and that sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then(i) any such loan charge will be reduced by the amount necessary to reduce the charge to the permitted limit, and(6)any sums already collected from Borrower that exceeded permitted limits will be refunded to Borrower. Lender may choose to[Hake this refund by reducing the principal owed under this loan or by making a direct payment to Borrower. If a refund reduces principal,the reduction will be treated as a partial prepayment without any prepayment charge. DEFAULT: Borrower will be in default if be does not make any scheduled payment on time or fails to comply with the provisions of any mortgage on the real property which secures this loan. If Borrower defaults, Lender may require Borrower to repay the entire unpaid Principal balance and any accrued interest at once. Lender's failure to exercise or delay in exercising any of its rights when default occurs does not constitute a waiver of those or any other rights under this agreement. As permitted by Pennsylvania Law,Borrower agrees to pay actual and reasonable attorney's lees,court costs, and other actual and reasonable costs incurred in foreclosing on the real property securing this loan" Borrower will receive written notice at least 30 days prior to foreclosure. LAW THAT APPLIES:Pennsylvania law and federal law,as applicable, govern this Disclosure Statement, Note and Security Agreement. If any part is unenforceable,this will not make any other part unenforceable" In no event will Borrower be required to pay interest or charges in excess of those permitted by law. Borrower, endorsers, sureties and guarantors, to the extent permitted by law, severally waive their right to require Lender to demand payment of amounts due, to give notice of amounts that have not been paid, to receive notice of any extensions of time to pay which Lender allows to any Borrower and to require Lender to show particular diligence in bringing suit against anyone responsible for repayment of this loan,and additionally, waive benefit of homestead and exemption laws now in force or later enacted,including stay of execution and condemnation,on any property securing this loan and waive the benefit of valuation and appraisement. This Disclosure Statement, Note and Security Agreement shall be the joint and several obligation of all makers,sureties,guarantors and endorsers and shall be binding upon them,their heirs,Successors,legal representatives and assigns. If any part of the Disclosure Statement, Note and Security Agreement and,if applicable,the Mortgage or Deed of Trust and accompanying Itemization of Amount Financed and Arbitration Agreement is unenforceable,this will not.make any other part unenforceable. REFINANCING: The overall cost of refinancing an existing loan balance may be greater than the cost of keeping the existing loan and obtaining a second loan for any additional funds Borrower wishes to borrow. ARBITRATION. Borrower, Non-Obligor(s)(if any)and Lender have entered into a separate Arbitration Agreement on this date, the terms of which are incorporated and made a part of this Disclosure Statement, Note and Security Agreement by this reference. (Intentionally left blank) Borrower's Initials PA 25422-12 2/2003 Original(Branch) Copy (Customer) ?ge2 JOHN M GLACE JODY GLACE ` 03/28/2003 The following notice applies only if this box is checked. Q NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. By signing below, Borrower agrees to the terms contained herein, acknowledges receipt of a copy of this Disclosure Statement. Note and Security Agreement and, if applicable, the Mortgage or Deed of Trust and of the accompanying Itemization of Amount Financed and Arbitration Agreement, and authorizes the disbursements stated therein. WITNESSES: SI D: (Seal) J G C -Borrower (Seal) J -Borrower (Seat) -Borrower CITIFINANCIAI INC.6,N (Name and e) 03/28/2003 12:20:57 SECURITY INTEREST OF NONOBLIGOR:Borrower only is personally liable for payment of the loan. Nonobligor is liable and bound by all other terms,conditions, covenants,and agreements contained in this Disclosure Statement, Note and Security Agreement, including but not limited to the tight and power of Lender to repossess and sell the Property securing this loan;in the event of default by Borrower in payment of this loan. (Seal) (Seal) Signature Date Signature Date PA 25422-12 212003 Original(Branch) Copy (Customer) Page 3 of 3 This Rider Amends The Loan Agreement/Promissory Note Entered Into On Date Below Agreed Rate Reduction Rider Borrower(s)(Name and mailing address) Lender(Name, address,city and state) Ar.rnnnr Nin JOHN M GLACE CITIFINANCIAL, INC. JODY GLACE 132 BRINDLE RD 3401 HARTZDALE DRIVE SUITE 126 Date of Loan MECHANICSBURG PA 17050 CAMP HILL PA 17011 03/28/2003 Borrower has agreed to pay the rate of interest set forth in the Note (the "Note Rate") until the full amount of principal has been paid. However, if on any one of the second, third or fourth anniversaries of the scheduled due date of the first full installment payment due date under the Note (each, an "Anniversary Date") Borrower has demonstrated a Good Payment History, Lender agrees to decrease the Note Rate to 4.81 %. Borrower will be deemed to have demonstrated a "Good Payment History" if Borrower: (a) has made each of the most recent 24 consecutive monthly payments under the Note before the date the next payment was due; (b) has never been late by 91 days or more in making any monthly payments due under the Note;.(c) neither Borrower nor Co-Borrower has filed petitions in bankruptcy during the term of the loan; and (d) no provision of the Note has been modified prior to the Anniversary Date. If Borrower demonstrates a Good Payment History, the new Note Rate will take effect one month after the earliest Anniversary Date on which Borrower has demonstrated a Good Payment History ("Rate Reduction Date"). Beginning with Borrower's first monthly payment after the Rate Reduction Date, Borrower will pay the new amount as the monthly payment until the Maturity Date. Lender will decrease Borrower's Note Rate only one time during the term of the loan, provided Borrower demonstrates a Good Payment History on any one of the second, third, or fourth Anniversary Dates. BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this Agreed Rate Reduction Rider. Borrower Co-Bo r wer �J- - 03 Date Date {New/Renewatl 21101-4 10/2002 Original (Branch) Copy (Customer) NOTE ALLONGE This indorsement is incorporated into and shalt be deemed part of the Note to which it is attached. Loan Number*: Ref ID *as of the date of this Note Allonge Borrower Name(s): JOHN M GLACE ;JODY GLACE Date of Loan: 03/28/2003 Amount of Loan: $65,856.57 Property Address: 132 BRINDLE RD City, State, Zip: MECHANICSBURG PA 17050 Pay to the order of: CitiFinancial Servicing LLC (a Delaware limited liability company) Without recourse CFNA Receivables(MD),Inc. f/k/a CitiFinancial,Inc.(a Maryland corporation) By: Raymond White Vice President 40-0708-0203093_ALLONGE Exhibit C DER ��.�g4RLAt1b GOtfNIY-� '• G3 31 After recording,return to: RPR 1 fl� 10 CITIBINMCIAL, INC. 3401 HARTZDALE DRIVE SUITE 126 CAMP HILL PA 17011 MORTGAGE GAGE THIS MORTGAGE is made this 28th day of March , 2003 ,between lite Mortgagor, JOHN M. GLACE JODY Z. GLACE (herein"Borrower"), and the Mortgagee, CITIFINANCIAL, INC. a corporation organized and existing under the Laws of Maryland whose address is 3401 HARTZDALE DRIVE SUITE 126 CAMP HILL PA 17011 (herein"bender"). indebted to Lender in the principal sum. of U.S. $ 65,856.57 which WHEREAS, Borrower is indebtedness is evidenced byBorrower's e nts ofdated 03 and/2interesi, with003 and sooner balance of the tude tedness €not Note"). providing form y sooner paid, due and payable on 04/02/2023 ; TO SECURE to Lender the repaYment of the indPb+.edness evidenced by the Note, with interest thereon; the payment of all other sums, with the interest thereon, advanced in accordance herewith to protect the security of this Mortgage; and the performance of the covenants and agreements of Borrower herein stained ocated in the Cody of does hereby mortgage, grant and convey to Lender the following described property CUMBERLAND ,State of Pennsylvania: ALL THAT CERTAIN PARCEL OF LAND IN TOWNSHIP or MONROE,CUMBERLAND COUNTY,COt+MON-WEALTH OF PENNSYLVANIA.AS MORE FULLY DESCRIBED IN DEED BOOK T 33,PACE 573,ID# 22-10'0642-092,BEING KNOWN ANIS DESIGMTED AS LOTAND MORE PARITI OCULARLY DESCRIBED ASSASMETESDAND BOUNDSOPROPERTY' BEING premises which are more fully described in a deed dated the 117th day of KAY 1991 , and recorded in the Office of the Recorder of Denis of CUMBERLAND page 573 County, pennsylvania, in Record Book T33 ,volume ' Page 1 of 7 PA0042-g 712000 Origiaa3-(uecorded) copy(Branch) copy(Customer) i JOffu M GLACE 03/28/2003 ,TQDY GLACE TOGETHER with all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances and rents, all of which shall be deemed to be and remain a part of the property covered by this Mortgage; and all of the foregoing, together with said property (or the leasehold estate if this Mortgage is on a leasehold)are hereinafter referred to as the"Property." Borrower covenants that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property, and that the Property is unencumbered, except for encumbrances of record Borrower covenants that Borrower warrants and will defend generally the title to the-Property against all claims and demands, subject to encumbrances of record. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal and interest. ]Borrower shall promptly pay when due the principal and interest indebtedness evidenced by the Note and late charges as provided in the Note. 2. Funds for Taxes and Insurance. Subject to applicable law or a written waiver by Lender,Borrower shall pay to Lender on the day monthly payments of principal and interest are payable under the Note,until the Note is paid in full, a sum (herein "Funds") equal to one-twelfth of the yearly taxes and assessments (including condominium and planned unit development assessments, if any which may attain priority over this Mortgage and ground rents on the Property, if any, plus one-twelfth of yearly premium installments for hazard insurance, plus one-twelftth of yearly premium installments for mortgage insurance, if any, all as reasonably estimated initially and from time to time by Lender on the basis of assessments and bills and reasonable estimates thereof. Borrower.shall not be obligated to make such payments of Funds to Lender to the extent that Borrower makes such payments to the holder of a prior mortgage or deed of trust if such holder is an institutional lender. If Borrower pays Funds to Lender,the Funds shall be held in an institution the deposits or accounts of which are insured or guaranteed by a Federal or state agency(including Lender if Lender is such an institution). Lender shall apply the Funds to pay said taxes, assessments, insurance premiums and ground rents. Lender may not charge for so holding and applying the Funds, analyzing said account or verifying and compiling said assessments and bills, unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such a charge, Borrower and Lender may agree in writing at the time of execution of this Mortgage that interest on the Funds shall be paid to Borrower, and unless such agreement is made or applicable law requires such interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the,Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for the sums secured by this Mortgage. If the amount of the Funds held by Lender, together with the future monthly installments of Funds payable prior to the due dates of taxes, assessments, insurance premiums and ground rents, shall exceed the amount required to pay said taxes, assessments, insurance premiums and ground rents as they fall due, such excess shall be, at Borrower's option, either promptly repaid to Borrower or credited to Borrower on monthly installments of Funds. If the amount of the Funds held by Lender shall not be sufficient to pay taxes, assessments, insurance premiums and ground rents as they fall due, Borrower shall pay to Lender any amount necessary to make up the deficiency in one or more payments as Lender may require. tf refund to Borrower any Upon payment in full of all sums secured by this Mortgage, Lender shall promptly by Funds held by Lender. If under paragraph 17 hereof the Property is sold or the Property is otherwise acquired Lender, Lender shall apply, no later than immediately prior to the We of the Property or its acquisition by Lender, any Funds held by Lender at the time of application as a credit against the sums secured by this Mortgage, received b Leader 3, Appli mtion of Payments. Unless applicable law provides otherwise, all payments Y n s_.._..c s...n U,.. ,.....1'd.i {.�.T�,,,�.wor tin r�}gyrnerlf of at 1—s payable to under the Note and paragraphs i and�hemeo suau applied by PA 0&2-8 7120©0 Original(Recorded) Copy(Branch) copy(customer) Page 2 of 7 g 803°G 1993 ✓'OHN M GLACE 03/28/2003 JODY GLACE Lender by Borrower under paragraph 2 hereof, then to interest payable on the Note,and then to the principal of the Note. 4. Prior Mortgages and Deeds of Trust; Charges;Liens.Borrower shall perform all of Borrower's obligations under any mortgage, deed of trust or other security agreement with a lien which has priority over this Mortgage, including Borrower's covenants to make payments when due. Borrower shall . pay or cause to be paid all taxes, assessments and other charges, fines and impositions attributable to the Property which may attain a priority over this Mortgage,and leasehold payments or ground rents, if any. S. Hazard insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage', and such other' hazards as Lender may require and in such amounts and for such periods as Lender may require. The insurance carrier pmviding the insurance shall be chosen by Borrower subject to approval by Lender; provided, that such approval shall not be unreasonably withheld. All insurance policies and renewals thereof shall be in a form acceptable to Lender and shall include a standard mortgage clause in favor of and in a form acceptable to Lender. Lender shall have the right to hold the policies and renewals thereof,subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has priority over this Mortgage. In the event of loss,Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. If the Property is abandoned by Borrower,or if Borrower fails to respond to Lender within 30 days from the date notice is mailed by Lender to Borrower that the insurance carrier offers to settle a claim for insurance benefits, Lender is authorized to collect and apply the insurance proceeds at Lender's option either to restoration or repair of the Property or to the sums secured by this Mortgage. olds; Condominiums; Planned Unit 6. Preservation and Maintenance of property; Developments. Borrower shall keep the Property in good repair and shall not commit waste or permit impairment or deterioration of the Property and shall comply with the provisions of any lease if this Mortgage is on a leasehold. If this Mortgage is on a unit in a condominium or a planned unit development,Borrower shall perform all of Borrower's obligations under the declaration or covenants creating or governing the condominium or planned unit development, the by-laws and regulations of the condominium or planned unit development, and constituent documents. 7. Protection of Lender's Security. if Borrower fails to perform the covenants and agreements contained in this Mortgage, or if any action or proceeding is commenced which materially affects Lender's interest in the at Lender's option, upon notice to Borrower, may make such appearances,disburse such Property. then Lender, suras, including reasonable attorneys' fees, and take such action as is necessary to protect Lender's interest. If Lender required mortgage insurance as.a condition of making the loan secured by this Mortgage, Borrower shall pay the premiums required to maintain such insurance in effect until such time as the requirement for such insurance terminates in accordance with Borrower's and Lender's written agreement or applicable law. Any amounts disbursed by Lender pursuant to this paragraph 7, with interest thereon,at-the Note rate, shall become additional indebtedness of Borrower secured by this Mortgage. Unless Borrower and Lender agree to other terms of payment, such amounts shall be payable upon notice from Lender to Borrower requesting payment thereof. Nothing contained in this paragrapb 7 shall require Lender to incur any expense or take any action hereunder. of the S.Inspection. Lender may make or cause to be made reasonable entries upon and inspections Property, provided that Lender shall give Borrower notice prior to any such inspection specifying reasonable cause therefor related to Lender's interest in the Property. 9. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of the Property, or part thereof, or for conveyance in lieu of PA 0042-8 7!2000 original(Recorded) Copy($raach) copy(Custoraar) Page 3 of 7 8KI803PG1994 JppHN M GLACE 03/28/2003 JODY GLACE condemnation, are hereby assigned and shall be paid to Lender, subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has priority over this Mortgage. 10. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Mortgage granted by Lender to any successor in interest of Borrower shall not operate to release, in any manner, the liability of the original Borrower and Borrower's successors in interest. Lender shall not be required to commence proceedings against such successor or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Mortgage by reason of any demand made by the original Borrower and Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy hereunder, or otherwise afforded by applicable law, shall not be a waiver of or preclude the exercise of any such right or remedy. 11. Successors and Assigns Bound;Joint and Several Liability; Co-signers. The covenants and agreements herein contained shall bind, and the rights hereunder shall inure to, the respective successors and assigns of Lender and Borrower, subject to the provisions of paragraph 16 hereof. All covenants and agreements of Borrower shall be joint and several. Any Borrower who co-signs this Mortgage, but does not execute the Note, (a) is co-signing this Mortgage only to mortgage, grant and convey that Borrower's interest in the Property to Lender under the terms of this Mortgage, (b)is not personally liable on the Note or under this Mortgage, and(c) agrees that Lender and any other Borrower hereunder may agree to extend, modify, forbear, or make any other accommodations with regard to the terms of this Mortgage or the Note without that Borrower's consent and without releasing that Borrower or modifying this Mortgage as to that Borrower's interest in the Property. 12. Notice. Except for any notice required under applicable law to be given in another manner, (a)any notice to Borrower provided for in this Mortgage shall be given by delivering it or by mailing such notice by certified mail addressed to Borrower at the Property address or at such other address as Borrower may designate by notice to Lender as provided herein, and(b) any notice to Lender shall be given by certified mail to Lender's address stated herein or to such other address as Lender may designate by notice to Borrower as provided herein. Any notice provided for in this Mortgage shall be deemed to have been given to Borrower or Lender when given in the manner designated herein. 13. Governing Law; Severability. The state and local laws applicable to this Mortgage shall be the laws of the jurisdiction in which the Property is located. The foregoing sentence shall not limit the applicability of Federal law to this Mortgage. In the event that any provision or clause of this Mortgage or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Mortgage or the Note which can be given effect without the conflicting provision, and to this end the provisions of this Mortgage and the Note are declared to be severable. As used herein, "costs", "expenses" and "attorneys' fees" include all sums to the extent not prohibited by applicable law or limited herein. 14.Borrower's Copy.Borrower shall be furnished a conformed copy of the Note and of this Mortgage at the time of execution or after recordation hereof. 15. Rehabilitation Loan Agreement. Borrower shall fulfill all of Borrower's obligations under any home rehabilitation, improvement, repair,or other loan agreement which Borrower enters into with Lender. Lender, at Lender's option, may require Borrower to execute and deliver to Lender, in a form acceptable to Lender, an assignment of any rights, claims or defenses which Borrower may have against parties who supply labor, materials or services in connection with improvements made to the Property. 16.Transfer of the Property or a Beneficial Interest in Borrower. if an or any part of the Property or any interest in it is sold or transferred(or if a benencial interest in Borrower is sold or transferred and Borrower is not a natural person)without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Mortgage. However, this option shall not be exercised by Lereer if exerc�rs PA0042-8 7/2000 original(Recorded) Copy(aranch) Copy(Customer) Page 4of7 i803PG1995 i JOHN M GLACE 03/28/2003 J'ODY GLACE prohibited by federal law as of the date of this Mortgage. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all suras secured by this Mortgage. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Mortgage without further notice or demand on Borrower. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: of Borrower in this i17. Acceleration; Remedies.Upon Borrowers breach of any covenant or agreementbender clan is Mortgage, including the covenants to pay when due any secured by this Mo tg�other things' to acceleration shall give notice to Borrower as provided by applicable - 10 the breach; (2) the action required to cure such breach; (3)a date, not less than 30 days from the date the notice is mailed to Borrower, by which such breach must be cured; and(4)that failure to cure such breach on or before the date specified in the notice may result in acceleration of the sums secured by this Mortgage, foreclosure by judicial proceeding, and sale of the property. Tire notice shall further info nonexistence Borrooff the right to reinstate atter acceleration and the right to assert In the foreclosure proceeding of a default or any other defense of Borrower to acceleration and foreclosure. If the breach is not cured on or before the date specified in the notice, Lender, at bender's option, may declare all of the sums secured by this Mortgage to be immediately due and payable without further demand and may foreclose this Mortgage by judicial proceeding. Lender shall be entitled to culled in such proceeding ail expenses of foreclosure, including, but not limited to, reasonable attorneys' fees, and costs of documentary evidence, abstracts and title reports. 18. Borrower's Right to Reinstate. Notwithstanding Lender's acceleration of the sums secured by this Mortgage due to Borrower's breach, Borrower shall have the right to have any proceedings begun by Lender to enforce this Mortgage discontinued at any time prior to at least one hour before the commencement of bidding at a sheriff s sale or other sale pursuant to this Mortgage if: (a)Borrower pays Lender all sums which would be then due under this Mortgage and the Note had no acceleration occurred; (b)Borrower cares all breaches of any other covenants or agreements of Borrower contained in this Mortgage; (c) Borrower pays all reasonable and i expenses incurred by Lender in enforcing the covenants and agreements of Borrower contained in this Mortgage, enforcing Lender's remedies as provided in paragraph 17 hereof, including, but not limited to, reasonable attorneys' fees; and(d)Borrower takes such action as Lender may reasonably require to assure that the lien of this Mortgage, Lender's interest in the Property and Borrower's obligation to pay the sums secured by this Mortgage shall continue unimpaired. Upon such payment and care by Borrower, this Mortgage and the obligations secured hereby shall remain in full force and effect as if no acceleration had occurred. 19. Assignment of Rents; Appointment of Receiver, Lender in mon. As additional security hereunder, Borrower hereby assigns to Lender the rents of the Property, provided that Borrower shall, prior to acceleration under paragraph 17 hereof or abandonment of the Property,have the right to collect and retain such rents as they become due and payable. Upon acceleration under paragraph 17 hereof or abandonment of the property, Lender, ia n.person,by agent or by judicially appointed receiver shall be entitled to enter upon,take possession of and manage the Property and to collect the rents of the Property including those past due. All rents collected by Lender or the receiver shall be applied first to payment of the costs of management of the Property and collections of rents, including, but not limited to, receiver's fees, premiums on receiver's bonds and reasonable attorneys' fees, and then to the sums secured by this Mortgage. Lender and the receiver shall be liable to accountyshall discharge tr those rents allyhis received. 20. Release. Upon payment of all sums secured by this Mortgage, Lender .s .`_t v y�A�civvier. vi:,^,wer. ortgage ?.11 pay ell�QS18 of rrffart{atin�t,L any, YV 1111VLiL"large t i.�.� PA 0042-8 7!2000 original(Recorded) copy(Branch) Cagy(Customer) Page 5 of 7 BI! 1803PG 1996 03/29/2003 JOHN M GLACE JODY GLACE 2i. Interest Rate fie'Judgment' Borrower agrees that the interest rate payable after a judgment tis entered on o stated in the he Note or in an action of mortgage foreclosure shall be the the 22. hazardous Substances• grower shall not �eSor pen-nit noon or presence, use, disposal, storage, or release of any Hazardous in the property. Borrower shall not do,nor allow anyone else to do, anything the Property that is in violation of any Environmental Law. The affecting pe to the presence,use,ar storage on the preceding two sentences shall not apply p eorage recognized to be appropriate to normal property of small quantities of Hazardous Substances that ate g residential uses and to maintenance of the'Property investi anon, claim, demand, lawsuit or other Borrower shall promptly give Lender written notice of any g and any Hazardous action by any governmental or regulatory agency or private pang involving the Property Substance or Environmental Law of which Borrower y �actual tether rem'eldiati afea learns ous Substance any governmental or regulatory authority, remedial actions in accordance affecting the Property is necessary, Borrower shall promptly take all necessary with Environmental Law. As used in this paragraph 22, "Hazardous Substaaces" those substances defined fined as tonic or us substances by Environmental Law and the following substances; gasoline, kerosene, other flammable or toxic pesticides and herbicides, volatile solvents, materials containing asbestos or petroleum products, toxic pes' n this paragraph 22, -Environmental Law" means federal laws formaldehyde, and radioactive materials. As usedl cared that relate to health,safety or environmental protection. and laws of the jurisdiction where the Property is(Tntent'sonaily left blank) PA 0042-8 7t200o originsa(&Ocorded) Copy(Branch) Copy(Custer) Page 6 of 7 SK 1803FG. 1997 i l T , 03/29/2003 JODY � � F,,p,.CE QUEST FOR NOTICE OF DEFAULT ---- AND FORECLOSURE UNDER SUPEWOR To ORTGA(;ES OR DEEDS OF TRUST the Borrower and Lender holder of any mortgage,deed of trust or holder which has priority over this Mortgage to give other encumbrance with a lien e one of this Mortgage. Notice to Lender, at.Leader's address set forth ons 203, of any default under with a copy to P. O. Box 17170, Bale re,MD or o foreclosure action. the superior encumbrance and of any IN wt'ISUS wggREOF, Borrower has executed this Mortgage- . witness: CE —Borrower —Borrower is I hereby certify that the precise address of the Lender(Mort ee) : 3401 HARTZDALE DRIVE SUITE 126 CAMP HILL pA 1701.1�_--- M A•M itT��_�-- Title _MANAGER J on behalf of the Lender.$y:----• CUMBERLAI3D �._ County ss COMMONWEALTH OF PF day ____.------- ,,,,nom____ .before me, on this,the 28TH day of MARCH__ – the undersigtted officer,Personally appeared MICHAEL A. MILLER — ----- �J_ r JOHN M. GLACE AND JODY Z. GLACE Is subscribed oven)to be the person whose name Mown to me(or satisfactorily pr ers THEY executed the same for the to the within instrument and– ---- —'--` purposes herein contained. seal. IN WITNESS�1V1iE � ntn cpr tnSh n– N Sed `-- My Commission expires: t �+ .* ir �OW Abn�^��mNtY fide of Officer �yioaE�(�.17, &j~.pW"*wnAwoO MC#N*Wies Co (cuatomer) pge, Original(Recorded) COPY(Bra ugh) PA 0042-8 712000 (Specs Below TK Line Reser,ed For Lender and Recorder) Commonwealth of Pe=Ylvania recorded County of Recorded on this /; ,Page f �0911 Bis ecord'R mgDeeds of said County .�` r �y .'Li♦ of 4 3 P�l I Exhibit D Please Record and Return to: Milstead and Associates, LLC 1 E.Stow Road Marlton, NJ 08053 0043MT p • DA,- ASSIGNMENT ",- ASSIGNMENT OF MORTGAGE FOR VALUE RECEIVED,the receipt and sufficiency of which are hereby acknowledged,the undersigned CFNA Receivables(MD),Inc.f/k/a CitiFinaneial,Inc., a Maryland corporation ("Assignor"), whose address is 300 St. Paul Place,Baltimore,Maryland 21202,does hereby grant, sell, assign,transfer and convey unto CitiFinancial Servicing LLC,a limited liability company ("Assignee"), whose address is 300 St.Paul Place,Baltimore,Maryland 21202,all beneficial interest under the below-described Mortgage,together with the note(s)and obligations therein described,the money due and to become due thereon with interest,and all rights accrued or to accrue under such Mortgage. That certain Mortgage dated March 28,2003; executed by JOHN M.GLACE JODY Z.GLACE,Mortgagor(s); to and in favor of CITIFINANCIAL,INC.,Mortgagee; recorded in Book 1803,at Page 1992,and/or as Document/Instrument No.N/A, in the Office of the Recorder of Deeds for CUMBERLAND County,Pennsylvania on April 3, 2001 encumbering the property having an address of 132 BRINDLE RD MECHANICSBURG PA 17050 with a Parcel ID(PIN)of N/A. TO HAVE AND TO HOLD the same unto Assignee and its successors and assigns,forever, subject only to the terms-and conditions of the above-described Mortgage. Page 1 of 2 4"708-0203093_ASN IN WITNESS WHEREOF,the undersigned Assignor has caused this Assignment of Mortgage to be executed by its duly authorized officer on 01/14/2014. CFNA Receivables(MD),Inc.f/k/a Ciffinancial, Inc.,a Maryland corporation BY: Raymond White TITLE: Vice President State of Texas County of Dallas_ This instrument was acknowledged before me on January 14,2014 by Raymond White, Vice President of CFNA Receivables(MD).Inc. f/Va Citi.Financial,Inc.,a Maryland corporation on behalf of said corporation. 0 (Pe o Yo . Seal) Notary blic's Signature CONSUELO LOERA My Commission Expires June 8,2015 5 lE OY 1T*� This instrument prepared by: Sheetal Dant CitiFinancial Servicing LLC 300 St.Paul Place Baltimore,MD 21202 The precise address of the within named Assignee is: 300 St. Paul.Place,Baltimore,Maryland 21202 By: Page 2 of 2 40-0708-0203093_ASN FXHIBIT A ALL T1L*CERTAIN PAiiCM,OF LAND IN TOWNSHIP OFMONROE,CUNIREll'I..AND CoLwry, (:()MMONWFAI;1'H OF PENNSYLVANIA,AS 4MORF AIJLI,>z DESCRt)II.D W DV KD BOOK T 33, PAGE-573,10#22-10-0642-092, BEING KNOWN A14D DEStGNAYED AS IA)T 43,FINAL PIAN OF IiRiitfi)1,F ON'T F;R3'RISkS,FtE,F:D IN Pl.AT B04)IC 35,PAGE 36,ANI)MORE PARTICUt.ARLY 1)IE CRIEIED AS A NIT TES ANI)BOUNDS PROPF,RTY. By WE,SIMPLE )>~:l3J�FROM, ON C.OPLIt GEk AND JANET OPT,INCER,liISWIPVA4SET FORTti GN Bo c, 33;VAGF ili ATIEI)IIA)1IIM AILD RFCORDE D OIAW]9$9.Ct)MHFRI,ANI) COUNTY kECURwj QO?&%'16 AL TH OF,t`FNNS1I.YA`iW TOTAL CQ)NSII)ERATION IS �4,�oll.ov. I _ TAMMY SHEARER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Instrument Number-201420498 Recorded On 9/11/2014 At 11:46:33 AM *Total Pages-4 *Instrument Type-ASSIGNMENT OF MORTGAGE », Invoice Number-168212 User ID-MSS' *Mortgagor-GLACE,JOHN M "Mortgagee-CITIFINANCIAL SER INC *Customer-MILSTEAD&ASSOCS *FEES STATE WRIT TAX $0.50 Certification Page STATE JCS/ACCESS TO $35.50 JUSTICE DO NOT DETACH RECORDING FEES — $11.50 RECORDER OF DEEDS PARCEL 'CERTIFICATION $15.00 This page is now part FEES of this legal document. COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $67.50 I Certify this to be recorded in Cumberland County PA o¢cu,�e J .. a v o RECORDER OF DEEDS vyso *-information denoted by an asterisk may change during the verification process and may not be reflected on this page. 0043MT Milli 111111111111111111 All that certain lot, piece or parcel of land,with the buildings and improvements thereon erected, situate, lying and being in Monroe Township, in the County of Cumberland, State of Pennsylvania bounded and described as follows: ALL THAT CERTAIN lot or piece of ground situated in Monroe Township,Cumberland County, Pennsylvania, being Lot No.43 in the Final Plan of Brindle Enterprises of record in the Recorder's Office of Cumberland County, Pennsylvania,in Plan Book 35, Page 36, more particularly bounded and described as follows: BEGINNING at a point on the Westerly side of Brindle Road,T-562,60 feet wide,as shown on said plan, said point being 1,344.87 feet North of the Southern Boundary line between lands now or formerly of S. E. Goodhart and Brindle Enterprises at the intersection of said dividing line with the Westerly side of Brindle Road aforesaid,said distance being measured along the Westerly line of Brindle Road as aforesaid,and said place of being also on the line dividing Lots Number 42 and 43 in the plan aforesaid; thence from said place of beginning along the line dividing Lot Number 42 and 43 aforesaid; North 89 degrees 28 minutes 35 seconds North,490.95 feet to a point;thence continuing along the same North 04 degrees 24 minutes 00 seconds East, 195.64 feet to a point on the line dividing Lot Numbers 43 and 44 in the plan aforesaid. Thence along the said dividing line N 65 degrees 37 minutes 15 seconds E., 406.46 feet to a point on the Westerly side of Brindle Road,a 60 feet Right of Way as aforesaid,thence along the said Westerly side of Brindle Road in a Southerly direction by the arc of a circle curving to the right and having a radius of 1,320 feet,an arc distance of 308.59 feet to a point on the line dividing Lot Number 42 and 43 aforesaid,the place of BEGINNING. The above described parcel contains approximately 2.94 acres. Having thereon erected a 2%story stone dwelling house. BEING the same premises which Jon C.Oplinger and Janet Oplinger, his wife by Indenture dated 11/01/1988 and recorded 01/12/1989 in the Office of the Recorder of Deeds in and for the County of Cumberland in Book T33 page S73,granted and conveyed unto John M. Glace and Judy Z.Glace, husband and wife, in fee. Being known as Parcel 22-10-0642-092, Monroe Township, Cumberland County, PA. For Informational purposes only: Commonly known as 132 Brindle Road, Mechanicsburg, PA 17055. Exhibit F 70132250000101046365 Date: 31612014 JOHN GLACE 132 BRINDLE RD MECHANICSBURG, PA 17055 RE: Property Address: 132 BRINDLE RD MECHANICSBURG, PA 17055 CitiFinancial Servicing LLC, a Delaware limited liability company Loan ACT 91 NOTICE TAKE ACTION TO SAVE YOUR DOME FROM FOCItELOSURE This is an official notice that the mort a e on our home is in default and the lender intends to foreclose. Specific information about the nature of the default is rovided in the attached Rages The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM HEMAP may be able to help 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 hone number of Consumer Credit Counselin A encies servin Your County are listed at the end of the Notice If you have any questions you may call the Pennsylvania HousingFinance A enc toll-free at 800 342-2397. Persons with im aired 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. HOMEOWNER'S NAME(S): JOHN GLACE JODY GLACE PROPERTY ADDRESS: 132 BRINDLE RD MECHANICSBURG,PA 17055 LOAN ACCT.NO.: ORIGINAL LENDER: CitiFinancial Services,Inc. CURRENT LENDEWSERVICER: CitiFinaneial Servicing LLC,a Delaware Iimited liability company 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. TENIPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT' EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice,the tender may NOT take action against you for thirty(30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the arooerty 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 HEMAPAPPLICA TION 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 WITI! PHFA WITHIN 30 DAYS OF THAT MEETING THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE,IN THE SECTION CALLED`TEMPORARY STAY OF FORECLOSURE.,, YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60)days to make a decision after it receives your application. During that time,no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE:IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEIST. (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 MORTGAGE debt held by the above lender on your property located at: 132 BRINDLE RD MECHANICSBURG,PA 17055 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 10/2/2013 through 11/1/2013 1 @ $434.39/month 0 @ $0.00/late charge/month $434.39 11/2/2013 through 4/112014 5 @ $621.41/month 0 @ $0.00/late charge/month $3,107.05 Other charges: Previous Late Charge(s): $0.00 TOTAL AMOUNT PAST DUE: $3,541.44 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$3,541.44 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY(30)DAY PERIOD. Payments must he made either h cash cashier's check certified check or mons orde made a able and sentto: CitiFinancial Servicing LLC,a Delaware limited liability company 605 Munn Road Fort Mill,SC 29715 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 morteat*ed property IF THE MORTGAGE IS FORECLOSED UPON-The mortgaged property will he sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys,but you cure the delinquency before the lender begins legal proceedings against you,you will still be required to pay the reasonable attorney's fees that were actually incurred,up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorneys' fees actually incurred by the lender even if they exceed$50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY„(30)DAY period, -you will not be re uired to nnv attorne 's fees. OTHER LENDER REMEDIES-The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE- If you have not cured the default within the . THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and Mr vent the sale at any time 0-10 one hour b fore the Sheriff's Sale. You ma do sn h a in g the total amount then Fast due, plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure, sale and an other costs connected with the Sheriffs Sale as specified in writing by the lender and h erforming an other requirements under the mortgage Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE-It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held w ould be approximately 6 months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course,the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the Iender. HOW TO CONTACT THE LENDER: Name of Lender: CitiFinancial Servicing LLC a Delaware limited liabilit cam an Address: 6400 Las Colinas Blvd. Irvine TX 75039 Phone Number: 877-622-1611 EXT.0340787 7 am-8 Dm CST TTY Services are also available. To access: Dipl 711 From the United States or Dial 1-866-280-2050 from Puerto Rico Fax Number: 866-714-4160 Contact Person: Barbara Moore E-Mail Address: RECustomerservice@citi.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 alter the Sheriffs Sale,a lawsuit to remove you and your furnishings and other belongings could he started by the lender at any time. ASSUMPTION OF MORTGAGE- You 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 other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: * TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. * TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. * TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) * TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. * TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. * TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST. If you would litre to discuss foreclosure alternatives,please call Dora Sheppard at 855-843-2554 ext 0340832", Monday-Thursday 7:00 am to 8:00pm CT,Friday 7:00 am to 5:00 pm CT,Saturday:7:00 am to 11:00 am CT(*the 3rd and last Saturday of every month)**,or via email at: dors.caldwell.sheppard@citi.com***. You may also contact me via mail at: CitiFinancial Servicing LLC,a Delaware limited liability company,SPDC,6400 Las Colinas Blvd,Irving, Texas 75039.Fax number 800-925-6751 Are you concerned with how we've handled your account? Have you recently been declined for a modification or a short sale and disagree with our decision? Call us at 877-245-2511*Monday-Thursday 7:00 a.m.—8:00 p.m.CT, Friday 7:00 a.m.—6:00 p.m.CT,Saturday 7:00 a.m.—4:00 p.m.CT or email us at:cru__supnort@citi.com. You may also contact us via mail at:CitiFinancial Servicing LLC,a Delaware limited liability company,P.O. BOX 6243,Sioux Falls,SD 57117-6243 Sincerely, CitiFinancial Servicing LLC,a Delaware limited liability company 6400 Las Colinas Blvd. Irving,TX 75039 Hours of operation provided reflect general hours for the Homeowner Support Specialist unit. lfcontacting your homeowner support specialist through e-mail please do not include confidential information. E-Mail communication is randomly monitored to ensure quality service. HEMAP Consumer Credit Counsefina A envie.. CUMBERLAND County Report last updated: IP-5/2013 CCCS of Western PA 55 Clover Hill Road Dallastown PA 17313 888.511.2227/888.511.2227 CCCS of Western PA 114 N Hanover St Carlisle PA 17013 888.511.2227 Community Action Commission -Capital Region 1514 Derry St Harrisburg PA 17104 717.232.9757 Harrisburg Fair Housing Council 2100 N 6th St Harrisburg PA 17110 717.238.9540 Housing & Redevelopment Authority-Cumberland Cnty 114 N Hanover St; STE 104 Carlisle PA 17013 866.683.5907/717.249.0789 Pathstone Corporation Pennsylvania 1625 North Second St Harrisburg PA 17102 717.234.6616 Pennsylvania Interfaith Community Programs,Inc. 40 E High St Gettysburg PA 17325 717.334.1518 I x � f i ; h x � v g 0 = ;a .;111151 ;m 12 • • I 59E9 hOTD TODD 0522 -CTO . S9E9 hOTD TODD US22 ET04 I 59E9 hOTD TODD 0522 ETDL Date: 3/6/2014 JOHN GLACE 132 BRINDLE RD MECHANICSBURG, PA 17055 RE: Property Address: 132 BRINDLE RD MECHANICSBURG, PA 17055 CitiFinancial Servicing LLC, a Delaware limited liability company Loa! ACT 91 NOTICE TAKE ACTION TO SAYE YOUR. HOME FROM- FORECLOSU This is an official notice that the mortgage on our 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 save your home. This Notice explains how the grogram 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 the Notice If you have any questions you maycall the Pennsylvania Housing Finance Agency toll-free at (800) 342-2397 (Persons with impaired hearing can call 717) 780-1859). 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 HUMERO 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. HOMEOWNER'S NAME(S): JOHN GLACE JODY GLACE PROPERTY ADDRESS: 132 BRINDLE RD MECHANICSBURG,PA 17055 LOAN ACCT.NO.: ORIGINAL LENDER: CitiFinancial Services,Inc. CURRENT LENDER/SERVICER: CitiFinancial Servicing LLC,a Delaware limited liability company HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983(THE"ACT"),YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS,AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice,the lender may NOT take action against you for thirty(30) days after the date of this meeting. The names addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is iocated 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 assistancefrom 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 HEMAP APPLICA TION AS SOON AS POSSIBLE. IF YOU HAVEA MEETING WITHA COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE,IN THE SECTION CALLED"TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60)days to make a decision after it receives your application. During that time,no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE:IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. 1 (If you have filed bankruptcy,you can stitl apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) NATURE OF THE DEFAULT—The MORTGAGE debt held by the above lender on your property located at: 132 BRINDLE RD MECHANICSBURG,PA 17055 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: I0/2/2013 through 11/l/2013 l @ $434.39/month 0 @ $0.00/late chargelmonth $434.39 11/2/2013 through 4/l/2014 5 @ $621.41/month 0 @ $0.00/late charge/month $3,107.05 {)thcr charges: Previous Late Charge(s): $11.00 TOTAL AMOUNT PAST DUE: $3,541.44 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$3,541.44 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: CitiFinancial Servicing LLC,a Delaware limited liability company 605 Munn Road Fort Mill,SC 29715 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 riahts to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY(30)DAYS,the lender also intends to instruct its attorneys to start legal action to foreclose upon Your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON-The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys,but you cure the delinquency before the lender begins legal proceedings against you,you will still be required to pay the reasonable attorney's fees that were actually incurred,up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorneys' fees actually incurred by the lender even if they exceed$50.00. Any attorney's fees will be added to the amount you owe the lender,which may also include other reasonable costs. Ifyou cure the default within the THIRTY(30)DAY period you will not be required to pay attorney's fees. OTHER LENDER REMEDIES-The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time uta to one hour before the Sheriff's Sale. You may do so by paving the total amount then past due, plus any laic or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale, and anv other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice wilI 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 6 months from the date of this Notice. A notice of the actual date of the Sheriff's 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: CitiFinancial Servicing LLC a Delaware limited liability company Address: 6400 Las Colinas Blvd. Irving,TX 75034 Phone Number. 877-622-1611 EXT.0340787 7 am--8 pm CST TTY Services are also available. To access: Dial 711 from the United States or Dial 1-866-280-2050 from Puerto Rico. Fax Number: 866-714-4160 Contact Person: Barbara Moore E-Mail Address: RECustomerservice@citi.com EFFECT OF SHERIFF'S SALE- You should realize that a Sheriff's 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 Sheriff's 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 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 other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: * TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. * TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. * TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) * TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. * TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. * TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST. If you would like to discuss foreclosure alternatives,please call Dora Sheppard at 855-843-2554 ext 0340832*, Monday-Thursday 7:00 am to 8:00pm CT,Friday 7:00 am to 5:00 pm CT.Saturday:7:00 am to 11:00 am CT(*the 3rd and last Saturday of every month)**,or via email at: lora.caldwell.sheppard@citi.com***. You may also contact me via mail at: CitiFinancial Servicing LLC,a Delaware limited liability company,SPDC,6400 Las Colinas Blvd, Irving, Texas 75039.Fax number 800-925-6751 Are you concerned with how we've handled your account'? Have you recently been declined for a modification or a short sale and disagree with our decision? Call us at 877-245-2511*Monday-Thursday 7:00 a.m.—8:00 p.m.CT, Friday 7:00 a.m.—6:00 p.m.CT,Saturday 7:00 a.m.—4:00 p.m.CT or email us at:cru sup o�iti.com. You may also contact us via mail at:CitiFinancial Servicing LLC,a Delaware limited liability company,P.O. BOX 6243,Sioux Falls,SD 57117-6243 Sincerely, CitiFinancial Servicing LLC,a Delaware limited liability company 6400 Las Colinas Blvd. Irving,TX 75039 Hours of operation provided reflect general hours for the Homeowner Support Specialist unit. If contacting your homeowner support specialist through e-mail please do not include confidential information. E-Mail communication is randomly monitored to ensure quality service. HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated: 1/25/2013 CCCS or Western PA 55 Clover Hill Road Dallastown PA 17313 888.511.2227/888.511.2227 CCCS of Western PA 114 N Hanover St Carlisle PA 17013 888.511.2227 Community Action Commission-Capital Region 1514 Derry St Harrisburg PA 17104 717.232.9757 Harrisburg Fair Housing Council 2100N6th St Harrisburg PA 17110 717.238.9540 Housing& Redevelopment Authority- Cumberland Cnty 114 N Hanover St; STE 104 Carlisle PA 17013 866.683.5907/717.249.0789 Pathstone Corporation Pennsylvania 1625 North Second St Harrisburg PA 17102 717.234.6615 Pennsylvania Interfaith Community Programs,Inc. 40 E High St Gettysburg PA 17325 717.334.1518 70132250000101046235 Date: 3/6/2014 JOHN GLACE I E MAIN ST SHIREMANSTOWN, PA 17011 RE: Property Address: 132 BRINDLE RD MECHANICSBURG, PA 17055 CitiFinancial Servicing LLC, a Delaware Iimited liability company Loi— 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 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 the Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll-free at (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 NOTIFICACIUN EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCI6N 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. HOMEOWNER'S NAME(S): JOHN GLACE JODY GLACE PROPERTY ADDRESS: 132 BRINDLE RD MECHANICSBURG,PA 17055 LOAN ACCT.NO.: ORIGINAL LENDER: CitiFinancial Services,Inc. CURRENT LENDER/SERVICER: CitiFinancial Servicing LLC,a Delaware limited liability company HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983(THE"ACT"),YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS,AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE • Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a"face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice,the lender may NOT take action against you for thirty(30) days after the date of this meeting. The names addresses and telephone numbers of designated consumer credit counselingagencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE- Your mortgage is in default for the reasons set forth later in this Notice(see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program, and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty(30)days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE,IN THE SECTION CALLED"TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60)days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. .......... . NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE 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 stilt apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT(Brine it up to date). NATURE OF THE DEFAULT—The MORTGAGE debt held by the above lender on your property located at: 132 BRINDLE RD MECHANICSBURG,PA 17055 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the; following amounts are now past due: 10/2/2013 through 11/1/2013 1 @ $434.39/month 0 @ $0.00/late charge/month $434.39 11/2/2013 through 4/1/2014 5 @ $621.41/month 0 @ $0.00/late charge/month $3,107.05 Oilier charges: Previous Late Charge(s): TOTAL AMOUNT PAST DUE: $3,541.44 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$3,541.44 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY(30)DAY PERIOD. Pavments must be made either by cash,cashier's check,certified check or money order made payable and sent to: CitiFinancial Servicing LLC,a Delaware limited liability company 605 Munn Road Fort Mill.SC 29715 IF YOU DO NOT CURE THE DEFAULT-If you do not cure the default within THIRTY(30)DAYS of the date of this Notice,the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY(30)DAYS,the lender also intends to instruct its attorneys to start legal action to foreclose upon Your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON-The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys,but you cure the delinquency before the lender begins legal proceedings against you,you will still be required to pay the reasonable attorney's fees that were actually incurred,up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorneys' fees actually incurred by the lender even if they exceed$50.00. Any attorney's fees will be added to the amount you owe the lender.which may also include other reasonable costs, If you cure the default within the THIRTY(30)DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES-The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale You may do so by paving the total amount then past due, plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale, and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any ether 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 he approximately 6 months from the date of this Notice. A notice of'the actual date of the Sheriff's 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: CitiFinancial Servicing LLC.a Delaware limited liability company Address: 6400 Las Colinas Blvd. Irving,TX 75039 Phone Number: 877-622-1611 EXT.0340787 7 am-8 pm CST TTY Services are also available. To access:Dial 711 from the United States or Dial I-866-280-2050 from Puerto Rico. Fax Number: 866-7144160 Contaet-Rersan: Barbara Moore E-Mail Address: RECustomerservice@citi.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 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 other requirements of the mortgage are satisfied. YOU NIAY ALSO HAVE THE RIGHT: * TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. * TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. * TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) * TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. * TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. * TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST. 1f you would like to discuss foreclosure alternatives,please call Dora Sheppard at 855-843-2554 ext 0340832*, Monday-Thursday 7:00 am to 8:00pm CT,Friday 7:00 am to 5:00 pm CT,Saturday:7:00 am to 11:00 am CT(*the 3rd and last Saturday of every month)**,or via email at: dora.caldwell.sheppard@citi.com***. You may also contact me via mail at: CitiFinaneial Servicing LLC,a Delaware limited liability company.SPOC.6400 Las Colinas Blvd,Irving, Texas 75039.Fax number 800-925-6751 Are you concerned with how we've handled your account:! Have you recently been declined for a modification or a short sale and disagree with our decision? Call us at 877-245-2511*Monday-Thursday 7:00 a.m.—8:00 p.m.CT, Friday 7:00 a.m.—6:00 p.m.CT,Saturday 7:00 a.m.—4:00 p.m.CT or email us at:eru support@citi.com. You may also contact us via mail at:CitiFinaneial Servicing LLC,a Delaware limited liability company,P.O. BOX 6243,Sioux Falls,SD 57117-6243 Sincerely, CitiFinaneial Servicing LLC,a Delaware limited liability company 6400 Las Colinas Blvd. Irving,TX 75039 Hours of operation provided reflect general hours for the Homeowner Support Specialist unit. If contacting your homeowner support specialist through e-mail please do not include confidential information. E-Mail communication is randomly monitored to ensure quality service. HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report Inst updated: 1/25/2013 CCCS of Western PA 55 Clover Hill Road Dallastown PA 17313 888511.2227/888.511.2227 CCCS of Western PA 114 N Hanover St Carlisle PA 17013 888.5 l 1.2227 Community Action Commission-Capital Region 1514 Derry St Harrisburg PA 17104 717.232.9757 Harrisburg Fair Housing Council 2100 N 6th St Harrisburg PA 17110 717.238.9540 Housing & RedeveIopment Authority -Cumberland Cnty 114 N Hanover St; STE 104 Carlisle PA 17013 866.683.5907/7 t 7.249.0789 Pathstone Corporation Pennsylvania 1625 North Second St Harrisburg PA 17102 717.234.6616 Pennsylvania Interfaith Community Programs,Inc. 40 E High St Gettysburg PA 17325 717.334.1518 7013 2250 0001 0104 6235 PLACE STICKER AT TOP OF ENVELOPE TO THE RIGHT CERTIFIED MAIL., 7013 2250 0001 0104 6235 7013 2250 0001 0104 6235 0 ! m giz - - 1 i a f { .k1 . Late: 31612014 JOHN GLACE i E MAIN ST SHIREMANSTOWN,PA 17011 RE: Property Address: 132 BRINDLE RD MECHANICSBURG, PA 17055 CitiFinancial Servicing LLC,a Delaware limited liability company Loa 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 helu 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 the Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll-free at(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 HUMERO 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. HOMEOWNER'S NAME(S): JOHN GLACE JODY GLACE PROPERTY ADDRESS: I32 BRINDLE RD MECHANICSBURG,PA 17055 LOAN ACCT.NO.: ORIGINAL LENDER: CitiFinancial Services,Inc. CURRENT LENDER/SERVICER: CitiFinancial Servicing LLC,a Delaware limited liability company HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983(THE"ACT"),YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS,AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that time you must arrange and attend a"face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT' EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice,the lender may NOT take action against you for thirty(30) days after the date of this meeting. The names addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE- Your mortgage is in default for the reasons set forth later in this Notice(see following pages for specific information about the nature of your default). You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program, and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty(30)days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE,IN THE SECTION CALLED"TEMPORARY STAY OF FORECLOSURE." YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60)days to make a decision after it receives your application. During that time,no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE:IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE 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(Brim it up to date). NATURE OF THE DEFAULT—The MORTGAGE debt held by the above lender on your property located au 132 BRINDLE RD MECHANICSBURG,PA 17055 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 10/212013 through 11/1/2013 1 @ $434.34/month 0 @ $0.0011ate charge/month $434.39 t 1/2/2013 through 4/1/2014 5 @ $621.41/month 0 @ $0.00/late charge/month $3,107.05 Usher charges: Previous Late:Charge(s): 50.00 TOTAL AMOUNT PAST DUE: $3.541.44 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$3,541.44 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: CitiFinancial Servicing LLC,a Delaware limited liability company 605 Munn Road Fort Mill,SC 24715 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 he required to pay the reasonable attorney's fees that were actually incurred,up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorneys' fees actually incurred by the lender even if they exceed$50.00. Any attorney's fees will be added to the amount you owe the lender,which may also include other reasonable costs. If you cure the default within the THIRTY(30)DAY period. you will not be required to nay attorney's fees. OTHER LENDER REMEDIES-The tender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and erevent the sale at anytime up to one hour before the Sherif€'s Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale, and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE-h is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sheriff's 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: CitiFinancial Servicing LLC,a Delaware limited liability company Address: 6400 Las Colinas Blvd. Irving,TX 75039 Phone Number: 877-622-1611 EXT.0340787 7 am-8 pm CST TTY Services are also available. To access:Dial 711 from the United States or Dial I-866-280-2050 from Puerto Rico. Fax Number: 866-7144160 Contact Person: Barbara Moore E-Mail Address: RECustomerservieeciti.com EFFECT OF SHERIFF'S SALE- You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy iL If you continue to live in the property anter the Sheriff's Sale.a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF i4IORTGAGE-You 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 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 INST€TUTED UNDER THE MORTGAGE DOCUMENTS. * TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. * TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. 'CO_NSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY CAN BE LOCATED ON THE ATTACHED LIST, If you would like to discuss foreclosure alternatives,please call Dora Sheppard at 855-843-2554 ext 0340832*, Monday-Thursday 7:00 am to 8:00pin CT,Friday 7:00 am to 5:00 pm CT,Saturday:7:00 am to 11:00 am CT(*the 3rd and last Saturday of every month)**,or via email at: dora.caldwell.sheppard@citi.com***. You may also contact me via mail at: Citi Financial Servicing LLC,a Delaware limited liability company,SPOC,6400 Las Colinas Blvd, Irving, Texas 75039.Fax number 800-925-6751 Are you concerned with how we've handled your account? Have you recently been declined for a modification or a short sale and disagree with our decision? Call us at 877-245-2511*Monday-Thursday 7:00 a.m.—8:00 p.m.CT, Friday 7:00 a.m.—6:00 p.m.CT.Saturday 7:00 a.m.—4:00 p.m.CT or email us at:cru support@citi.com. You may also contact us via mail at:CitiFinaneial Servicing LLC,a Delaware limited liability company,P.O. BOX 6243,Sioux Falls,SD 57117.6243 Sincerely, CitiFinancial Servicing LLC,a Delaware limited liability company 6400 Las Colinas Blvd. Irving,TX 75039 Hours of operation provided reflect general hours for the Homeowner Support Specialist unit. If contacting your homeowner support specialist through e-mail please do not include confidential information. E-Mail communication is randomly monitored to ensure quality service. HEMAP Consumer Credit Counseling A e� ncies CUMBERLAND County Report last updated: I/25/2013 CCCS of Western PA 55 Clover Hill Road Dallastown PA 17313 888.51 l.2227/888.511.2227 CCCS of Western PA 114 N Hanover St Carlisle PA 17013 888.511.2227 Community Action Commission - Capital Region 1514 Derry St Harrisburg PA 17104 717.232.9757 Harrisburg Fair Housing Council 2104 N 6th St Harrisburg PA 17110 71.7.238.9540 Housing& Redevelopment Authority -Cumberland Cnty 114 N Hanover St; STE 104 Carlisle PA 17013 866.683.5907/717.249.0789 Pathstone Corporation Pennsylvania 1625 North Second St Harrisburg PA 17102 717.234.6616 Pennsylvania Interfaith Community Programs,Inc. 40 E High St Gettysburg PA 17325 717.334.1518 1664 THE COURTS FORM I % CITIFINANCIAL SERVICING LLC IN THE COURT OF COMMON PL�ASw 1000 Technology Drive CUMBERLAND COUNTY, O'Fallon, MO 63368, PENNSYLVANIA cr Plaintiff, Vs. CIVIL John M. Glace 1 E. Main Street Shiremanstown, PA 17011, Defendant NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action,you may be able to participate in a court-supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer,you must take the following steps to be eligible for a conciliation conference. First, within twenty (20) days of your receipt of this notice, you must contact MidPenn Legal Services at(717) 243-9400 extension 2510 or(800) 822-5288 extension 2510 and request appointment of a legal representative at no charge to you. once you have been appointed a legal representative, you must promptly meet with that legal representative within twenty(20) days of the appointment date. During that meeting, you must provide the legal representative within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty(60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer,you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested financial information so that a loan resolution proposal PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012 can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto, your lawyer will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty(60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference.is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME,YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE. THIS PROGRAM IS FREE. 77submitted: - Date Robert A7. Williams, Esquire Milstead& Associates, LLC 1 E. Stow Road Marlton,NJ 08053 856-482-1400 856-482-9190 (f) PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012 THE COURTS 1665 FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date Cumberland County Court of Common Pleas Docket# BORROWER REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance, your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: CUSTOMER/PRIMARY APPLICANT Borrower name(s): Property Address: City: State: Zip: Is the property for sale? Yes❑No❑ Listing date: Price: $ Realtor Name: Realtor Phone: Borrower Occupied? Yes❑No❑ Mailing Address(if different): City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: #of people in household: How long? CO-BORROWER Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: #of people in household: How long? FINANCIAL •R • 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❑ 88.36655 PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012 1666 THE COURTS 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 Employees: 1. 2. 3. Additional Income Description(not wages): 1. monthly amount: 2. monthly amount: Borrower Pay Days: Co-Borrower Pay Days: Monthly Expenses: (Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Mortgage Food 2" Mortgage Utilities Car Payment(s) Condo/Neigh.Fees Auto Insurance Med. (not covered) Auto fuel/repairs Other prop.payment Install.Loan Payments Cable TV Child Su ort/Alim. Spending Money Day/Child Care/Tuft. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income&Expenses: Have you been working with a Housing Counseling Agency? Yes❑No❑ If yes,please provide the following information: Counseling Agency: Counselor: Phone(Office): Fax: 88.36655 2 PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012 THE COURTS 1667 Email: Have you made application for Homeowners Emergency Mortgage Assistance Program(HEMAP)assistance? Yes ❑ No ❑ If yes,please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? Yes ❑ No ❑ If yes,please indicate the status of those negotiations: Please provide the following information, if know,regarding your lender or lender's loan servicing company: Lender's Contact(Name): Phone: Servicing Company(Name): Contact: Phone: AUTHORIZATION I/We, ,authorize the above named to use/refer this information to my lender/servicer for the sole purpose of evaluating my financial situation for possible mortgage options.IIWe understand that I/we am/are under no obligation to use the services provided by the above named Borrower Signature Date Co-Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: Proof of income Past 2 bank statements Proof of any expected income for the last 45 days '/ Copy of a current utility bill Letter explaining reason for delinquency and any supporting documentation(hardship letter) `/ Listing agreement(if property is currently on the market) Ronny R Anderson Sheriff Jody S Smith Chief Depu Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY �c '. R�Twcn",...--. `.• '..�rnu/�UR�16R ~° ~ ='' NOV /U/4�RU 17 pm �� O� - .° --`�—= .CUMBERLAND�� m"r�e*,nwu»�sn=p ' COUNTY Citifinancial Servicing LLC vs. John M Glace Case Number 2014-6198 SHERIFF'S RETURN OF SERVICE 11X04/2014 04:50 PM - Deputy Shawn Gutshall, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: John M Glace at 132 Brindle Road, Monroe Township, Mechanicsburg, PA 17 ZAP 10 1,00__ n���/ALL,=DEPUTY _—� GUT _-- -� � SHERIFF COST: $50.60 SO ANSWERS, �J Novembern 05.2O14 RON,RANDERSON.SHER|FF (h) CountySuite Sheriff, leleosoff, inc.