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HomeMy WebLinkAbout14-6265 Supreme Court of Pennsylvania Cout 'iD1f Com;n_on Pleas 31II;Cfl�'ert, beet ForPr'othonotarr Lase©nk: Cumberlant` kt'. C:oun�T Dodet l : The information collected on thisform is used solely for court administration purposes. This form does not Supplement or replace thefiling and service ofpleadings or other papers as required bylaw or rules of court. Commencement of Action: ® Complaint ❑ Writ of Summons ❑ Petition S ❑ Transfer from another Jurisdiction ❑ Declaration of Taking E Lead Plaintiff Name: Lead Defendant's Name: JPMORGAN CHASE BANK,NATIONAL JAMES F.HUTH C ASSOCIATION KRISTINA L.RUTH T I Dollar Amount Requested within arbitration limits O Are money Damages requested?: ❑ Yes No (Check one) X outside arbitration limits N Is this a Class Action Suit? ❑ Yes ® NO Is this an MDJ Appeal? ❑ Yes ® NO A Name of Plaintiff/appellant's Attorney:KML Law Group,P.C. ❑ Check here if you are a Self-Represented(Pro Se Litigant Nature of the.Case: Place an"X"to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim,check the one that you consider most important. TORT(do not include Mass Tort) CONTRACT(do not include.Judgments) CMI.APPEAL ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Debt Collection:Credit Card D Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections D Nuisance ❑ Dept.of Transportation s ❑ Premises Liability ❑ Zoning Board ❑ Product Liability (does not include ❑,Statutory Appeal: Other E mass tort) ❑ Employment dispute: C ❑ Slander/Libel Defamation Discrimination ❑ Other D Employment Dispute:Other T D Other: I 0 MASS TORT ❑ Other D Asbestos ❑ Tobacco ❑ Toxic Tort-DES REAL,PROPERTY MISCELLANEOUS ❑ Toxic Tort-Implant ❑ Ejectment ❑ Common Law/Statutory ❑ Toxic Waste ❑ Eminent Domain/Condemnation Arbitration B ❑ Other D Ground Rent ❑ Declaratory Judgment ❑ Landlord/Tenant Dispute ❑ Mandamus ® Mortgage Foreclosure:Residential ❑ Non-Domestic Relations PROFESSIONAL LIABILITY D Mortgage Foreclosure:Commercial Restraining Order D Dental ❑ Partition ❑ Quo Warranto ❑ Legal ❑ Quiet title ❑ Replevin ❑ Medical ❑ Other Professional: D Other ❑ Other Pa.R.C.P. 205.5 Updated 1/1/2011 vk � , KML LAW GROUP,P.C. C y73 SUITE 5000-BNY MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA,PA 19106 (866)413-2311 JPMORGAN CHASE BANK,NATIONAL IN THE COURT OF COMMON PLEAS ASSOCIATION c/o 3415 Vision Drive OF Cumberland COUNTY Columbus,OH 43219 Plaintiff CIVIL ACTION-LAW vs. JAMES F.RUTH ACTION OF MORTGAGE FORECLOSURE KRISTINA L.HUTH Mortgagor(s)and Record Owner(s) j(� �o�C,Ly'/ 2810 West Rosegarden Boulevard No. / Mechanicsburg,PA 17055 CIVIL ACTION: MORTGAGE Defendant(s) NOTICE FORECLOSURE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Complaint and notice are served,by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claim in the Complaint of for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATIONry 2 Liberty Avenue rn U3 C Carlisle,PA 17013 ' -j tea ; LEGAL SERVICES INCv .� 8 Irvine Row c; Carlisle,PA 17013 x'X: 717-243-9400 , AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes,usted tiene veinte (20)dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decider a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICO. VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. i t SI USTED NO PUEDE PAGARLE A UN ABOGADO,ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle,PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle,PA 17013 717-243-9400 THIS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. RESOURCES AVAILABLE FOR HOMEOWNERS IN FORECLOSURE ACT NOW! Even though your lender(and our client)has filed an Action of Mortgage Foreclosure against you,you still.may be able to SAVE YOUR HOME FROM FORECLOSURE. 1). Call an attorney. For referrals to a qualified attorney call either of the following numbers: or 717- 243-9400. 2). Call the Consumer Credit Counseling Agency at 1-800-989-2227 for free counseling. 3). Visit HUD'S website www.hud.gov for Help for Homeowners Facing the Loss of Their Homes. 4). Pennsylvania Housing Finance Agency also offers other loan programs that may assist homeowners in default.Please See the PHFA website bttp://www.phfa.org/consumers/homeowners/real.aspx. 5). Call the Plaintiff(your lender) and ask to speak to someone about Loss Mitigation or Home Retention options. 6). Foreclosure Resource Center: hqp//www philadelphiafed.org/foreclosure/ 7). Call or contact our office to request the amount to bring the account current, or payoff the mortgage or request a Loan Workout/Home Retention Package. Call our toll free number at 1-866-413-2311 or via email at homeretentiongkmllawjzroup.com. Call Seth at 215-825-6329 or fax 215-825-6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215-825-6318 or Fax: 215-825-6418.Please reference our Attorney File Number of 136189FC. Para informacion en espanol puede communicarse con Loretta al 215-825-6344. This Action of Mortgage Foreclosure will continue unless you take action to stop it. i COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is JPMORGAN CHASE BANK,NATIONAL ASSOCIATION, c/o 3415 Vision Drive, Columbus, OH 43219. 2. The name(s) and property address(es) of the Defendant(s) is/are JAMES F. RUTH,2810 West Rosegarden Boulevard,Mechanicsburg,PA 17055 and KRISTINA L. HUTH,2810 West Rosegarden Boulevard,Mechanicsburg,PA 17055,who is/are the mortgagor(s) and record owner(s) of the mortgaged premises hereinafter described. 3. On June 08, 2009 mortgagor(s)made, executed and delivered a mortgage upon the Property hereinafter described to JPMORGAN CHASE BANK,N.A.,which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County on July 01, 2009 as Instrument No. 200922614. The Mortgage is a matter of public record and is incorporated by this reference in accordance with Pennsylvania Rule of Civil Procedure 1019(g);which Rule relieves the Plaintiff from its obligation to attach documents to pleadings if those documents are matters of public record. 4. The Property subject to the Mortgage is more fully described in the legal description set forth as Exhibit "A" ("Property") 5. The mortgage is in default because the monthly payments of principal and interest are due and unpaid for April 01, 2014 and each month thereafter and by the terms of the Mortgage,upon default in such payments for a period of one month or more,the entire principal balance and all interest due and other charges are due and collectible. 6. The following amounts are due to Plaintiff on the Mortgage as of September 4,2014: PrincipalBalance........................................................................................$121,197.32 Interest from 03/01/2014 through 08/31/2014 .............................................$2,954.16 AccruedLate Charges........................................................................................$517.20 Escrow Advance $1,051.16 PropertyInspections.............................................................................................$28.00 ................................................................... Suspense.................................... ($229.16) Reasonable Attorney's Fee ......................................................�..$2,350.00 $127,868.68 7. If the Mortgage is reinstated prior to a Sheriff's Sale,the Attorney's Fees set forth above may be less than the amount demanded based on work actually performed. Plaintiff reserves the right to request additional attorney's fees if the complexity of the action results in fees in excess of the amount demanded. Further,Plaintiff will request recovery of all costs incurred in this action including,but not limited to, costs of suit,process serving and skip tracing,title searches,recording costs and any other costs of the action in accordance with the mortgage documents and applicable law. 8. Plaintiff is not seeking a judgment of personal liability (or an"in person am'judgment)against the Defendants in this Action but reserves its right to bring a separate Action to establish that right, if such right exists. If Defendants have received a discharge of their personal liability in a Bankruptcy proceeding,this Action of Mortgage Foreclosure is, in no way, an attempt to re-establish the personal liability that was discharged in Bankruptcy,but only to foreclose the Mortgage and sell the Property pursuant to Pennsylvania law. 9. Plaintiff sent Defendants the notice as required by 35 P.S. Section 1680.401 et. seq. (Act 91 of 1983) or by 41 P.S. Section 403 (Act 6 of 1974) or as required by the Mortgage ("Notice"). A true and correct copy of the Notice is attached and incorporated as Exhibit"B". WHEREFORE,Plaintiff demands a de terris judgment in mortgage foreclosure in the sum of$127,868.68, together with interest, costs, fees and charges collectible under the Note and Mortgage including but not limited to attorney's fees and costs, and for the foreclosure and sale of the mortgage property. By: ALA .C. er Pa. ID 56129 Jay E.Kivitz Pa. ID 26769 Lisa Lee Pa. ID 78020 Kristina Murtha Pa. ID 61858 David Fein Pa. ID 82628 Thomas Puleo Pa. ID 27615 Joshua 1. Goldman Pa. ID 205047 Jill P. Jenkins Pa.ID 306588 Andrew F. Gornall Pa. ID 92382 Alyk L. Oflazian Pa. ID 312912 Salvatore Filippello Pa. ID 313897 Jennifer Lynn Frechie Pa. ID 316160 Attorneys for Plaintiff i Pennsylvania Verification Rebecca J. Bingham , hereby states that he/she is Vice President of JPMorgan Chase Bank,N.A.the Plaintiff i in this matter, and is authorized to make this Verification. The statements of fact contained in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of my information, and belief. I understand that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. L`t Reb ca J. B' gham Vice President Date: /D- 7-/� JPMorgan Chase Bank,N.A i i i Borrower: JAMES F HUTH and KRISTINA L HUTH Property Address: 2810 W. ROSEGARDEN BLVD.,MECHANICSBURG,PA 17055 County: CUMBERLAND Last Four of Loan Number:5151 Ey, hibit A ALL THAT CERTAIN LOT OF GROUND SITUATE IN THE TOWNSHIP OF UPPER ALLEN, COUNTY OF CUMBERLAND AND STATE OF PENNNSYLVANIA, BOUNDED AND DESCRIBED .k5 FOLLOWS, MO WIT: BEGIN14ING AT A POINT IN THE WESTERN LINE OF ROSEGARDEN BOULEVARD (WEST) , 60 FET WIDE, WHICH SAID POINT IS IN THE DIVISION LINE BETWEEN LOTS NOS . 6 AND `r ON THE HEREINAFTER MENTIONED PLAN OF TOTS; THENCE EXTENDING ALONG THE WE LINE OF ROSEGARDEN BOULEVARD (WEST) SOUTH 09 DEGREES 04 MINUTES 05DS EAST, 75 FEET TO A POINT MARKED BY A MONUMENT; THENCE EXTENDING ALONG LINE OF LAND NOW OR: LATE OF H S SERVICE CORPORATION, SOUTH 80 DEGREES 55 MINUTES 55 SECONDS WEST 1.34 FEET TO A POINT MARKED BY A MONUMENT; THENCE ALONG THE LINE OF LAND OF THE SAME BEING ALSO THE MONROE 'i`t)WNSH'p LINE, 04 MINUTES 05 SECONDS WEST 75 FEET TO A ivORI: 09 DECREES POINT AT CORNER O0 LOT NO. 7 ON SAID PLAN.; THENCE EXTENDING ALUNIG THE DIVISION LINE .BETWE'ENT LOTS N©.. 6 AND 7 02I SAID LA14 NORTH 80 DEGREES 55 MINUTES 55 SECONDS EAST 134 FEET TO A POINT IN THE WESTERN LINE OF ROSEGARDEN BOULEVARD, WEST Ai OREMENTIONED, AT THE POINT AND PTACR OF BEGINNING. BEING I.,{aT NO. 6; BLOCK 1, ON THE PLAN OF SECTION 2 OF ROSEGARDEN, WHICHON SAID PLAN IS RECORDED IN THE: CUMBERLAND COUNTY` RFC:ORDER' S OFFICE: IN PLAN BOOB. 28, PAGE 141. BEING THE SAME PREMISES wilICH GEORGE D. BULL, SR. AND JOSEPHINE L. BULL, HIS WIFE, BY THEIR DEED .DATED MAY 14, 1990 AND RECORDED IN. CUMBERLAND COUNTY IN DEED BOOK ) , VOLUME 340 PAGE 320, GRANTED AND CONVEYED UNTO BARRY L. MOORE AND MELODY J. MOORE, HIS WIFE, THE. GRANTORS HEREIN. TOWNSHIP OF UPPER ALLEN' Permanent Parcel Number: 42-31--2153-081. .DAMES F_ AUTT4 AND KRISTINA L. HUTH, HIS WIFE 2810 ROSEGARDEN BLVD, MECHANICSBURG PA 17055 Eyt. hibit <B *Exhibit has been redacted to remove all personally identifiable information or non-public information CHASE ! Chase(OH4-7399) P.O.Box 183205 Columbus,OH 43218 For Undeliverable Mail Only 07/15/2014 CERTIFIED MAIL: Return Receipt Requested and First Class Mail 005502-1 of 4 NSPOHDLA-7A J2669435 0000000 KRISTINA L HUTH 2810 W ROSEGARDEN BLVD MECHANICSBURG,PA 17055 Act 91 Notice Account: ******5151 (the"Loan") Property Address: 2810W ROSEGARDEN BLVD MECHANICSBURG,PA 17055 (the "Property") Dear KRISTINA L HUTH: On the following page,you will find a notice regarding your home as required by Pennsylvania law. ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official Notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help,you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN THIRTY-THREE (33) DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address, and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll-free at 800-342-2397. (Persons with impaired hearing can call 717-780-1869.) This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CURL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): JAMES F RUTH KRISTINA L HUTH PROPERTY ADDRESS: 281OW ROSEGARDEN BLVD MECHANICSBURG,PA 17055 LOAN ACCOUNT NUMBER: _5151 ORIGINAL LENDER: JPMORGAN CHASE BANK,N.A. CURRENT LENDER/SERVICER: JPMorgan Chase Bank,N.A. 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. YOUSHOULD FILE HEMAPAPPLICATIONAS SOONAS POSSIBLE.IF YOUHAVEA MEETING WITH CO UNSELING A GENCY WITHIN THIRTY-THREE(33)DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICA TION WITH THE PHFA WITHIN THIRTY(30)DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARIL Y PREVENTED FROM STARTING A FORECLOSURE ACTIONAGAINST YOUR PROPERTY,AS EXPLAINED ABOVE IN THE SECTION CALLED "TEMPORAR Y STA Y OF FORECLOSURE." YOUHAVE THE RIGHT TO FILE HEMAP APPLICA TION E VEN BE YOND THESE TIME PERIODS.A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSUREACTION,BUT IF YOUR APPLICATIONIS EVENTUALLYAPPROVED ATANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. 005502-2 of 4 NSPOHDLA-ZA J2669435 0000000 AGENCY ACTION--Available funds for emergency mortgage assistance are very limited.They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60)days to make a decision after it receives your application. During that time,no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above.You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy,you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date), NATURE OF THE DEFAULT--The mortgage debt held by the above lender on your property located at: 281OW ROSEGARDEN BLVD,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: 04/01/2014; $1,227.70 05/01/2014; $1,227.70 06/01/2014; $1,227.70 07/01/2014; $1,227.70 Other charges: Late Charges: $517.20 Insufficient Funds(NSF)Fees: $0.00 Other Fees: $0.00 Advances: $28.00 Amount Held in Suspense: $229.16 TOTAL AMOUNT PAST DUE: $5,226.84 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 $5,226.84,PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY(30)-DAY PERIOD.Payments must be made by cash cashier's check certified check or money order made payable and sent to: Overnight/Regular Mail: Chase Mail Code: OH4-7133 3415 Vision Drive Columbus,OH 43219-6009 IF YOU DO NOT CURE THE DEFAULT—If you do not cure the default within THIRTY(30) DAYS of the date of this Notice,the lender intends to exercise its rights to accelerate the mortgage debt.This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY(30)DAYS,the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON--The mortgaged property will be sold by the Sheriff to pay off the mortgage debt.If the lender refers your case to its attorneys,but you cure the delinquency before the lender begins legal proceedings against you,you will still be required to pay the reasonable attorney's fees that were actually incurred,up to $50.00.However,if legal proceedings are started against you,you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed$50.00.Any attorney's fees will be added to the 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 riaht to cure the default and prevent the sale at any time up to one hour before the Sheriff'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 Sheriffs Sale as specified in writing by the lender,and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this Notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE--It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately five to six (5 to 6) months from the date of this Notice.A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course,the amount needed to cure the default will increase the longer you wait.You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Chase Address: Mail Code: OH4-7384 P.O.Box 41275 Jacksonville,FL 32203-1275 Telephone Number: 800-848-9380 Fax Number: 614-500-4605 Contact Person: Bruno Mejia E-mail Address: state.programs.intake@jpmchase.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 X may or_may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt,provided that all the outstanding payments, charges,and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. 005502-3 of 4 NSPOHDLA-ZA J2669435 0000000 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 CUMBERLAND COUNTY PHONE ADDRESS CITY1 ZIP CODE Advantage Credit Counseling 888-511-2227 2000 Linglestown Road Harrisburg 17102 Service/CCCS of Western PA Community Action Commission of 717-232-9757 1514 Derry Street Harrisburg 17104 Capital Region Housing Alliance of York/Y Housing 717-855-2752 290 West Market Street York Resources 17401 Maranatha 717-762-3285 43 Philadelphia Avenue Waynesboro 17268 Pennsylvania Interfaith Community 717-334-1518 40 E.High Street Gettysburg 17325 Programs,Inc. PHFA 717-780-3940 t—f1 North Front Street Harrisburg 17110 800-342-2397 005502-4 of 4 NSPOHDLA-ZA J2669435 0000000 If you are represented by an attorney,please refer this letter to your attorney and provide us with the attorney's name,address,and telephone number. To the extent your original obligation was discharged,or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code,this notice is for compliance and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation.However,a secured party retains rights under its security instrument,including the right to foreclose its lien. IMPORTANT NOTICE TO SERVICEMEMBERS AND THEIR DEPENDENTS If you are or recently were on active duty or active service,you may be eligible for benefits and protections under the federal Servicemembers Civil Relief Act(SCRA).This includes protection from foreclosure or eviction.You may also be eligible for benefits and protections under state law. SCRA and state Military benefits and protections also may be available if you are the dependent of an eligible Servicemember. Eligible service may include: • Active duty with the Army,Navy,Air Force,Marine Corps,or Coast Guard,or • Active service as a commissioned officer of the National Oceanic and Atmospheric Administration,or • Active service as a commissioned officer of the Public Health Service,or • Service with the forces of a nation with which the United States is allied in a war or Military action,or • Service with the National Guard of a state militia under a state call of duty,or • Any period when you are absent from duty because of sickness,wounds,leave,or other lawful cause. For more information,please call Chase Military Services at 877-469-0110. AN IMPORTANT REMINDER FOR ALL OUR CUSTOMERS As stated in the"Questions and Answers for Borrowers about the Homeowner Affordability and Stability Plan'distributed by the Obama Administration, "Borrowers should beware of any organization that attempts to charge a fee for housing counseling or modification of a delinquent loan,especially if they require a fee in advance."Loan modification scams should be reported to PreventLoanScams.org,or by calling 888-995-HOPE; 888-995-4673.We offer loan modification assistance free of charge (i.e.,no modification fee required). Please call us immediately at 866-550-5705 to discuss your options. The longer you delay,the fewer options you may have. BR860 Chase(OH4-7399) CHASE 0 P.O.Box 183205 Columbus,OH 43218 For Undeliverable Mail Only 07/15/2014 CERTIFIED MAIL: Return Receipt Requested and First Class Mail 005504-1 of 4 NSPOHDLA-ZA J2669435 0000000 JAMES F RUTH 2810 W ROSEGARDEN BLVD MECHANICSBURG,PA 17055 i Act 91 Notice Account: ******5151 (the"Loan") Property Address: 2810W ROSEGARDEN BLVD MECHANICSBURG,PA 17055 (the "Property") Dear JAMES F HUTH: On the following page,you will find a notice regarding your home as required by Pennsylvania law. ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official Notice that the mortgage on your home is in default and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home This Notice explains how the program works. To see if HEMAP can help you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN THIRTY-THREE ( 3� DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address, and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice If you have any questions you may call the Pennsylvania Housing_Finance Agency toll-free at 800-342-2397 (Persons with impaired hearing can call 717-780-18691 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): JAMES F HUTH KRISTINA L RUTH PROPERTY ADDRESS: 2810W ROSEGARDEN BLVD MECHANICSBURG,PA 17055 LOAN ACCOUNT NUMBER: _5151 ORIGINAL LENDER: JPMORGAN CHASE BANK,N.A. CURRENT LENDER/SERVICER: JPMorgan Chase Bank,N.A. 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. YOUSHO ULD FILE HEMAPAPPLICATIONAS SOON AS POSSIBLE.IF YOUHAVEA MEETING WITH CO UNSELING A GENCY WITHIN THIRTY-THREE(33)DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE ANAPPLICA TION WITH THE PHFA WITHIN THIRTY(30)DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE ACTIONA GAINST YOUR PROPERTY,AS EXPLAINED ABOVE IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE." YOUHAVE THE RIGHT TO FILE A HEMAPAPPLICATION EVEN BEYOND THESE TIME PERIODS.A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING FORECLOSUREACTION,BUT IF YOUR APPLICATIONIS EVENTUALLYAPPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. 005504-2 of 4 NSPOHDLA-ZA J2669435 OOOD000 AGENCY ACTION--Available funds for emergency mortgage assistance are very_ limited.They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60)days to make a decision after it receives your application. During that time,no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above.You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATIONAL 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 at: 2810W ROSEGARDEN BLVD,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: 04/01/2014; $1,227.70 05/01/2014; $1,227.70 06/01/2014; $1,227.70 07/01/2014; $1,227.70 Other charges: Late Charges: $517.20 Insufficient Funds(NSF)Fees: $0.00 Other Fees: $0.00 Advances: $28.00 Amount Held in Suspense: $229.16 TOTAL AMOUNT PAST DUE: $5,226.84 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 $5,226.84,PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY(30)-DAY PERIOD.Payments must be made by cash cashier's check certified check or money order made payable and sent to: Overnight/Regular Mail: Chase Mail Code: OH4-7133 3415 Vision Drive Columbus,OH 43219-6009 I_F YOU DO NOT CURE THE DEFAULT--If you do not cure the default within THIRTY(30) DAYS of the date of this Notice,the lender intends to exercise its rights to accelerate the mortgage debt.This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY(30)DAYS,the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON--The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys,but you cure the delinquency before the lender begins legal proceedings against you,you will still be required to pay the reasonable attorney's fees that were actually incurred,up to $50.00.However,if legal proceedings are started against you,you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed$50.00.Any attorney's fees will be added to the 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 rincipalbalance 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 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--It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately five to six (5 to 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 fmd 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: Chase Address: Mail Code: OH4-7384 P.O.Box 41275 Jacksonville,FL 32203-1275 Telephone Number: 800-848-9380 Fax Number: 614-500-4605 Contact Person: Bruno Mejia E-mail Address: state.programs.intake@jpmchase.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 X mayor_may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt,provided that all the outstanding payments, charges,and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. 005504-3 of 4 NSPOHDLA-ZA J2669435 0000000 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 CUMBERLAND COUNTY PHONE ADDRESS CITY ZIP CODE Advantage Credit Counseling 888-511-2227 2000 Linglestown Road Harrisburg 17102 Service/CCCS of Western PA Community Action Commission of 717-232-9757 1514 Derry Street Harrisburg 17104 Capital Region Housing Alliance of York/Y Housing 717-855-2752 290 West Market Street York Resources 17401 Maranatha 717-762-3285 43 Philadelphia Avenue Waynesboro 17268 Pennsylvania Interfaith Community 717-334-1518 40 E.High Street Gettysburg 17325 Programs,Inc. PHFA 717-780-3940 211 North Front Street Harrisburg 17110 800-342-2397 005504-4 of 4 NSPOHDLA-ZA J2669435 0000000 If you are represented by an attorney,please refer this letter to your attorney and provide us with the attorney's name,address,and telephone number. To the extent your original obligation was discharged,or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code,this notice is for compliance and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation.However,a secured party retains rights under its security instrument,including the right to foreclose its lien. IMPORTANT NOTICE TO SERVICEMEMBERS AND THEIR DEPENDENTS If you are or recently were on active duty or active service,you may be eligible for benefits and protections under the federal Servicemembers Civil Relief Act(SCRA).This includes protection from foreclosure or eviction.You may also be eligible for benefits and protections under state law. SCRA and state Military benefits and protections also may be available if you are the dependent of an eligible Servicemember. Eligible service may include: • Active duty with the Army,Navy,Air Force,Marine Corps,or Coast Guard,or • Active service as a commissioned officer of the National Oceanic and Atmospheric Administration,or • Active service as a commissioned officer of the Public Health Service,or • Service with the forces of a nation with which the United States is allied in a war or Military action,or • Service with the National Guard of a state militia under a state call of duty,or • Any period when you are absent from duty because of sickness,wounds,leave,or other lawful cause. For more information,please call Chase Military Services at 877469-0110. AN IMPORTANT REMINDER FOR ALL OUR CUSTOMERS As stated in the"Questions and Answers for Borrowers about the Homeowner Affordability and Stability Plan"distributed by the Obama Administration, "Borrowers should beware of any organization that attempts to charge a fee for housing counseling or modification of a delinquent loan,especially if they require a fee in advance."Loan modification scams should be reported to PreventLoanScams.org,or by calling 888-995-HOPE; 888-9954673.We offer loan modification assistance free of charge (i.e.,no modification fee required). Please call us immediately at 866-550-5705 to discuss your options. The longer you delay,the fewer options you may have. BR860 Ronny RAnderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY or of Or* -/ �� «-'>[[ '-�" ~''�0T��� 'THr���7H� .'.\ �F THE ' '' °° \� ` ��^` �"; °, OO 90\��QQ UNTy PENNSYLVANIA CUMBERLAND ��YL�N\A ' �\ JPMorgan Chase Bank, National Assocation vs. James F Huth (et al.) Case Number 2014-6265 SHERIFF'S RETURN OF SERVICE 11/03/2014 08:58 PM - Deputy Shawn Gutshall, being duly sworn according to law, served the requested Complaint in Mortgage Foreclosure by handing a true copy to a peron representing themselves to be Kristina Huth, Wife, who accepted as "Adult Person in Charge" for James F Huth at 2810 W. Rosegarden Blvd., Upper Allen, Mechanicsburg, PA 17055. GUTSHALL, DEPUTY 11/03/2014 08:58 PM - Deputy Shawn Gutshall, being duly sworn according to law, served the requested Complaint in Mortgage Foreclosure by "personally' handing a true copy to a person representing themselves to be the Defendant, to wit: Kristina L Huth at 2810 Rosegarden Boulevard, Upper Allen, Mechanicsburg, PA 17055. SHERIFF COST: $55.30 SO ANSWERS, November 05, 2014 RONNYRANDERSON, SHERIFF (c) CountySuite Sheriff, Toleosoff, Inc,