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Supreme Co ennsylvania CoU)C' o1.1Li1IT4o Meas For Prothonotary Use Only: �t 11 _ S� . et Docket No: �S'Tq C e and' r ' County �?p The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service of pleadings or other papers as required by law or rules of court. Commencement of Action: S (x Complaint ® Writ of Summons ® Petition Transfer ftom Another Jurisdiction Declaration of Taking E C Lead Plaintiffs Name: bead Defendant's Name: T Bank of America, N.A. Estate of Benedict E. Todt a/k/a Benedict Eugene Todt Dollar Amount Requested: Owithin arbitration limits I Are money damages requested? rF_3 Yes ER No (check one) Is outside arbitration limits d N Is this a Class Action Suit? 0 Yes 0 No Is this an MDJAppeal? 0 Yes S No A Name of Plaintiff/Appellant's Attorney: t`�zl I ett ® Check here if you have no attorney(are a Self-Represented (Pro Se] Litigant) Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim,check the one that you consider most important. TORT(do not include Mass Tort) CONTRACT(do not include Judgments) CIVIL APPEALS D Intentional Q Buyer Plaintiff Administrative Agencies Malicious Prosecution nF_1 Debt Collection: Credit Card n Board of Assessment ® Motor Vehicle 3 Debt Collection:Other ® Board of Elections Nuisance J Dept.of Transportation Premises Liability Statutory Appeal:Other 13Product Liability(does not include ❑ Employment Dispute: E mass tort) E � Slander/Libel/Defamation Discrimination Q C ® Other: Employment Dispute:Other ❑ Zoning Board T Other: I ' ® Other: O MASS TORT ® Asbestos N 13Tobacco, ® Toxic Tort-DES ® Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS ® Toxic Waste 11 Ejectment [3Common Law/Statutory Arbitration B [3Other: Eminent Domain/Condemnation M Declaratory Judgment 13Ground Rent © Mandamus Landlord/Tenant Dispute ®Non-Domestic Relations ®x Mortgage Foreclosure:Residential Restraining Order PROFESSIONAL LIABLITY ® Mortgage Foreclosure:Commercial Quo Warranto D Dental ® Partition ®Replevin 13Legal [3Quiet Title ®Other: 1 ® Medical © Other: ® Other Professional: Updated 11112011 UDREN LAW OFFICES,P.C. ATTORNEY FOR PLA1NT1',FF...,, BY: MARK J.UDREN,ESQUIRE -ID#04302 STUART WINNEG,ESQUIRE -ID#45362r L ` LORRAINE GAZZARA DOYLE,ESQUIRE -ID#34576 SHERRI J.BRAUNSTEIN,ESQUIRE-ID#90675 4 r ELIZABETH L.WASSALL,ESQUIRE-ID#77788 c V" JOHN ERIC KISHBAUGH,ESQUIRE -ID#33078 ` NICOLE B.LABLETTA,ESQUIRE- ID#202194 DAVID NEEREN,ESQUIRE -ID#204252 AMANDA RAUER,ESQUIRE -ID#307028 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD;SUITE 200 CHERRY HILL,NJ 08003-3620 856-669-5400 pleadings@udren.com Bank of America,N.A. COURT OF COMMON PLEAS C/O Bank of America,N.A.,as successor by merger CIVIL DIVISION to BAC Home Loans Servicing,LP CUMBERLAND County 16001 North Dallas Parkway (� Addison,TX 75006 Plaintiff NO. v V. ESTATE OF BENEDICT E.TODT A/K/A BENEDICT EUGENE TODT C/O JANET E.TODT,PERSONAL REPRESENATIVE 828 TORWAY ROAD GARDNERS,PA 17324 DARLA M.TODT NWA DARLA M.GROVE F/K/A DARLA M.RHINEHART 436 MILL RACE ROAD CARLISLE,PA 17013 JANET E.TODT,PERSONAL REPRESENATIVE OF ESTATE OF BENEDICT E.TODT A/K/A BENEDICT EUGENE TODT 1015 LAKE MEADE ROAD EAST BERLIN,PA 17316 DANIEL H.TODT,KNOWN HEIR OF BENEDICT E. TODT A/K/A BENEDICT EUGENE TODT PO BOX 671292 HOUSTON,TX 77267 CHRISTOPHER TODT,KNOWN HEIR OF BENEDICT E.TODT A/K/A BENEDICT EUGENE TODT 4414 WINDWARD LANE I C NORCROSS,GA 30093 01 l I " UNKNOWN HEIRS,SUCCESSORS,ASSIGNS AND ALL PERSONS,FIRMS,OR ASSOCIATIONS CLAIMING RIGHT,TITLE OR INTEREST FROM OR UNDER BENEDICT E.TODT A/K/A BENEDICT EUGENE TODT,LAST RECORD OWNER 828 TORWAY ROAD GARDNERS,PA 17324 Defendant(s) COMPLAINT IN MORTGAGE FORECLOSURE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYERS REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle,PA 17013 (800) 990-9108 AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se dafiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle,PA 17013 (800) 990-9108 NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt,and any information obtained will be used for that purpose. UDREN LAW OFFICES,P.C. /s/Mark J.Udren,Esquire Woodcrest Corporate Center 111 Woodcrest Road,Suite 200 Cherry Hill,NJ 08003-3620 (856) 669-5400 1. Plaintiff is Bank of America, N.A.. Plaintiff is the legal holder of the Mortgage that is the subject of this Action. Plaintiff is either the current mortgagee of record, is the legal holder of the Mortgage by virtue of being successor in interest to the current mortgagee of record, or is the legal holder of the Mortgage by virtue of Assignment of . Mortgage. If Plaintiff is the legal holder of the Mortgage by virtue of Assignment of Mortgage, it is by the following Assignments of.Mortgage, all of which have either been recorded or Plaintiff is in the process of formalizing the actual Assignment of Mortgage in Plaintiff s favor: Assignor:Mortgage Electronic Registration Systems,Inc. Assignee: Bank of America,N.A. Date of Assignment: 05/08/2014 Recorded Date: 05/12/2014 Book/Instrument#:Inst#201409689 Page: n/a The promissory note is endorsed by Plaintiff,or endorsed in blank and Plaintiff or its agent has possession of the note. 2. Upon information and belief Defendant(s)and/or their predecessor: Benedict E.Todt a/k/a Benedict Eugene Todt (hereinafter"Defendants"),are the owners of property located at 828 Torway Road, Gardners,PA 17324,by virtue of Deed dated 02/15/2011 and recorded 03/21/2011 in Official Records Book Inst#201108855 at Page n/a of the Public Records of Cumberland County, Pennsylvania(hereinafter the "Property"). (2A)ESTATE OF BENEDICT E.TODT A/K/A BENEDICT EUGENE TODT C/O JANET E.TODT,PERSONAL REPRESENATIVE, JANET E.TODT,PERSONAL REPRESENATIVE OF ESTATE OF BENEDICT E.TODT A/K/A BENEDICT EUGENE TODT, DANIEL H. TODT,KNOWN HEIR OF BENEDICT E.TODT A/K/A BENEDICT EUGENE TODT, CHRISTOPHER TODT,KNOWN HEIR OF BENEDICT E.TODT A/K/A BENEDICT EUGENE TODT, DARLA M.TODT N/K/A DARLA M. GROVE F/K/A DARLA M.RHINEHART and UNKNOWN HEIRS,SUCCESSORS, ASSIGNS AND ALL PERSONS,FIRMS,OR ASSOCIATIONS CLAIMING RIGHT,TITLE OR INTEREST FROM OR UNDER BENEDICT E.TODT A/K/A BENEDICT EUGENE TODT,LAST RECORD OWNER are named as defendants by virtue of a potential interest in the property. 3. On 02/12/2011 ,Defendant(s)and/or their predecessor: BENEDICT E.TODT A/K/A BENEDICT EUGENE TODT promised to pay to the order of Bank of America,N.A. ,the principal sum of $ 126,000.00 payable with interest thereon provided in the Note. 4. By Mortgage dated 02/12/2011 ,Defendant(s)and/or their predecessor: BENEDICT E.TODT A/K/A BENEDICT EUGENE TODT DARLA M.TODT N/K/A DARLA M. GROVE F/K/A DARLA M. RHINEHART to secure the Note,mortgaged to Mortgage Electronic Registration Systems,Inc.as nominee for Bank of America,N.A., the Property which is the subject of this action. The Mortgage was recorded on 03/21/2011 in Official Records Book Inst#201108856 at Page n/a. Said Mortgage is incorporated herein by referenced in accordance with Pa.R.C.P 1019(g). A legal description of the mortgage premises is attached hereto and made a part hereof. 5. Said mortgage is in default in that the payment due 02/01/2014, and all subsequent payments have not been made,and by its terms,upon breach and failure to cure said breach after notice, all sums secured by said Mortgage,together with the other charges authorized by said Mortgage and itemized below, shall be immediately due. 6. After demand,the Defendant(s)continues to fail or refused to comply with the terms of the Mortgage as follows: (a) By failing or refusing to pay the installments of principal and interest when due in the amounts indicated below; (b) By failing or refusing to pay other charges,if any,indicated below. The following amounts are due on the said Mortgage or modification agreement as of the date stated below Unpaid Principal Balance $1071754.81 Accumulated Interest (Due from 01/01/2014 to 10/20/2014) $3,565.07 Accumulated Late Charges $140.97 Escrow Deficit/(Reserve) $-531.88 Property Inspection Fees $90.00 Grand Total $111,018.97 The above figures are calculated as of 10/20/2014: The interest rate is subject to adjustment if more fully described as such in the note and mortgage. The interest rate on the subject note is at 4.12500 %. The per diem interest accruing on this debt is $12.1777 and that sum should be added each day after the above date. 7. Breach letters have been sent to Defendant(s)in accordance with the requirements of the subject mortgage and/or The Pennsylvania Act 6 of 1974 of the Commonwealth of Pennsylvania and, if applicable,Act 91 of 1983. Copies of the breach letters are attached hereto as Exhibit "A" WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant(s) herein in the sum of$111,018.97 plus ongoing interest, costs and attorneys fees and for sale of the Mortgaged premises. UDREN LAW OFFICES,P.C. BY: "9A °'? V 0 L 3 1,1`U a E PA IND 202194 UDREN LAW OFFICES,P.C. ATTORNEY FOR PLAINTIFF WOODCREST CORPORATE CENTER 111 WOODCREST ROAD,SUITE 200 CHERRY HILL,NJ 08003-3620 856-669-5400 pleaqjq&s @ en-corn Bank of America,N.A. Plaintiff COURT OF COMMON PLEAS V. CIVIL DIVISION ESTATE OF BENEDICT E.TODT A/K/A BENEDICT CUMBERLAND County EUGENE TODT C/O JANET E.TODT,PERSONAL REPRESENATIVE 828 TORWAY ROAD NO. GARDNERS,PA 17324 DARLA M.TODT N/K/A DARLA M.GROVE F/K/A DARLA M.RHINEHART 436 MILL RACE ROAD CARLISLE,PA 17013 JANET E.TODT,PERSONAL REPRESENATIVE OF ESTATE OF BENEDICT E.TODT A/K/A BENEDICT EUGENE TODT 1015 LAKE MEADE ROAD EAST BERLIN,PA 17316 DANIEL H.TODT,KNOWN HEIR OF BENEDICT E. TODT A/K/A BENEDICT EUGENE TODT PO BOX 671292 HOUSTON,TX 77267 CHRISTOPHER TODT,KNOWN HEIR OF BENEDICT E.TODT A/K/A BENEDICT EUGENE TODT 4414 WINDWARD LANE NORCROSS,GA 30093 UNKNOWN HEIRS,SUCCESSORS,ASSIGNS AND ALL PERSONS,FIRMS,OR ASSOCIATIONS CLAIMING RIGHT,TITLE OR INTEREST FROM OR UNDER BENEDICT E.TODT A/K/A BENEDICT EUGENE TODT,LAST RECORD OWNER 828 TORWAY ROAD GARDNERS,PA 17324 Defendant(s) VERIFICATION hereby states that he sh is of Bank of America, N.A., Plaintiff in this matter, that he/sh is authorized to make this Verification, and verify that the statements made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Section 4904 elating to unsworn falsification to authorities. DateJ c�tXtq Name: Title: ts�t'�{ Company:-b., % /V/I MJU#: 14090364 CASE#: 14090364-1 v'T Exhibit"A" Legal Description ALL THAT PARCEL OF LAND IN TOWNSHIP OF DICKINSON,CUMBERLAND COUNTY,COMMONWEALTH OF PENNSYLVANIA,BEING KNOWN AND DESIGNATED AS LOT 8,MANDY MANOR,FILED IN PLAT BOOK 48,PAGE IO2, METES AND BOUNDS PROPERTY. BY PEE SIMPLE DEED FROM WAYNE B.OGBURN AND SHIRLEY D.OGBURN, HUSBAND AND WIFE AS SET FORTH IN DEED BOOK 267,PAGE 1086 DATED 01/14/2005 AND RECORDED 01/20/2005,CUMBERLAND COUNTY RECORDS, COMMONWEALTH OF PENNSYLVANIA. Tawpamcl W-� Bankof America ' ' 1lante Loans PO Box 9046 Temecula,CA 92589-9048 SPA Return Receipt Requested Send Payments to: PO Box 15222 Wilmington,DE 19886-5222 Send Correspondence to: PO Box 5170 I I I I I I I u I 11111 I n I I I I I I I III I I I I I I I I I I Simi Valley,CA 93062-5170 ESTATE OF BENEDICT E TODT 828 Torway Rd Gardners, PA 17324-9046 BREACHPA{CM} FLAT April 2,2014 Sent Certified Mail Return Receipt Requested ESTATE OF BENEDICT E TOpT 828 Torway Rd Gardners, PA 17324-9046 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mart a eon our home is in default and the tender intends to foreclose. S ecific information about the nature of the default is.a,rovided in the attached sages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM HEMAP ma be able to het to save our home. This Notice ex tains how the ro ram works. To see if HEMAP can-help, you must MEET WITH A CONSUMER CREQ AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE, Take 4. COUNSELING his T ice with ou when you meet with the Couns Mina Agency. The names addresses and hone number of Consumer Credit Counselin A encies servin our Count are listed at the end oft is Notice. if ou A enc have an uestions ou ma call the Penns ivania Housin Fitot free t 1-800-342-2397.P rso s th i aired ear" a c 1- 17- 80-1869 nance 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 NOTIFICACON EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICAC16N OBTENGA UNA TRADUCC16N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NOMERO 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): ESTATE OF BENEDICT E TODT Darla M Todt PROPERTY ADDRESS: 828 TORWAY RD GARDNERS. PA 17324-9046 LOAN ACCT.NO.: ORIGINAL LENDER: Bank of America, N.A. CURRENT LENDER/SERVICER: Bank of America, N.A. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHlGH GAN SAYE YOUR HOME FROM FORECLOSURE HELP YOU MAKE AND FUTURE MORTGAGE PAYMENTS_ IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTA ACT OF 1983(THE"AC T11),YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: NCE • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE To P AND AY YOUR MORTGAGE PAYMENTS,• ' 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 YOU DO NOT APPLY FOR Notice. THIS MEETING MUSTOCC,U,R WITHIN THIRI)(�� DAYS OF THE DATE OF THIS NOTICE. IF EMERGENCY M�nDp' %A �fI O I :��E_�tiISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE.E. TH ..PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE EXPLAINS TO BRING YOUR Up TODATE. CONSUMER CREDIT COUNSELING AGENCIES listed at the L_- If YOU meet with one of the consumer credit counseling agencies und 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 designa 929-n-ty-in which the properti is located are set forth at ff ited consumer credit counseling aoenrip�z for fl u-11—clut:meeting. Advise your lender IMM20ala—le-lY of.Your intentions.his Notice. It is only necessary to schedule one APPLICATION FOR MORTGAGE NCE ASSISTA - 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 tender from filing a foreclosure action, your application MUST be forwarded to PHFA and received with 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 APPLICATION WITH pHFA ATE OF THIS NOTICE AND FILE AN STARTING A FORECLOSURE AGAINST G, THEN THE LENDER WILL BE TEMpORA RIL y PREVENTED FROM ST WITHIN 30 DAYS OF THAT MEETING, T 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 A LATE APPLICATION WILL NOT PREVENT THE LENDER PERIODS. rffvM STARTING FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFOREA WILL BE STOPPED. SHERIFFS SALE, THE FORECLOSURE AGENCY ACTION-Available funds for emergency mortgag e assi an a e very imited. Agency under the eligibility criteria established by the Act. The st ce r ry I They will be disbursed by the days to make a decision after it receives Your application. D Pennsylvania Housing Finance Agency has sixty (60) 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. i NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SH CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. OULD NOT BE I (If You have filed bankruptcy P Y You can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT [Bring it UP to date). NATURE OF TME DEFAULT-The MORTGAGE debt held by the above lender on your property located at: 828 TORWAY RD GARDNERS, PA 173249046 IS SERIOUSLY IN DEFAULT because A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Charges: Month Due Principal&Interest Escrow AmountO p Amount tional Products Total Monthly Charge 02!01/2014 $939.92 Amount 03/01/2014 $252.96 $23.12 $939.92 $252.96 $1,216.00 $2 04/01/2014 $939.92 $23.12 $1,216.00 52.96 $23.12 Late_ Charges: $1.216.00 Month Amount 02/01/2014 $46.99 03/01/2014 $46.99 Total Monthly Charges: Current Late Charges: $3,648,00 Prior Unpaid Late Charges: $93.98 Total Other Charges/Fees: $0.00 Partial Payment Balance: $0.00 dA, TOTAL AMOUNT PAST DUE $3,741.38 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 $3,741.98, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Pa must be made either b cash cashier's check certified check or moneyorder made a able and sent to: ants Bank of America, N.A.PO Box 15222 Wilmington, DE 19886-5222 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 ri hts to accelerate the mort age debt. This means that the entire outs#anding 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 TY(30)DAYS,the lender also d rTY(30 intends to instruct its attorneysTHIR eys to start legal action to foreclose upon your mort agep IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. tt the lender refers your case to its attorneys, but legal proceedings against you, you will still be required to pay the reasonable attorney's You cure the fees ees hat were uency before tactually he eincurred, 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. ff au cure the.default within the THIRTY 3A DAY eriod UO u will�notbere wired to a=he e 's fees.HER R REMEDIES nder may also sue you Personally for the unpaid principal balance and all other ms 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 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 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 Sheriff's Sale of the mortgage property could be held would be approximately six(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: Bank of America,N.A. Address: PO Box 5170 Simi Valley,CA 93062-5170 Phone Number: 1-800-669-1904 Fax Number: 1-800-520-5019 Contact Person: General Collections E-Mail Address: correspondencesuppod@bankofamedca.com This is not a secure email address;privacy is limited.Accordingly,confidential information,including account information and personally identifiable information should not be transmitted by this non-encrypted email.If you prefer to send confidential information via e-mail, please contact us at the telephone number above, and we will arrange for an encrypted method of communication. 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 mortgagedebt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. HEMAF Consumer. Credit Counseling Agencies CUMBERLAND County Report last updated:JO/I6r2013.10:43 AM Advantage.Credit.Counseling Service/CCCS of!Western PA- Community.Action Commission of Capital Region 2000.Linglestown Road 1514.Derry Street Harrisburg,PA.17102 Harrisburg,PA.17104 888-511-2227 717-232-9757 Housing Alliance.of York/Y.Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York,PA 17401 Waynesboro,PA 17268 717-855-2752 717-762-3285 PathStone Corporation PathStone Corporation 1625 North Front St 4.50 Cleveland Ave Harrisburg.PA 17102 Chambersburg,PA.1.7201 717-234-6616 717-264-59.13 PA Interfaith Community Programs.Inc P.HFA 40 E High Street 211 North Front Street Gettysburg,.PA.17325 Harrisburg,PA 17.110 71.7-334-1518 717-780-3940.....800-342-2397 HC "'EMAP Consumer. Credit Counseling Agencies ADAMS County Report last updated:.10/16/2013.10:43 AM Advantage Credit Counseling Serviee/CCCS.of Western PA Housing Alliance of York/Y Housing Resources 2000 Linglestown Road 290 West Market Street Harrisburg,PA 17102 York,PA 17401 888-511-2227 717-855-2752 Maranatha PathStone Corporation 43 Philadelphia Avenue 2150 Carlisle Rd Waynesboro,PA 17268 Aspers,PA.17304 717-762-3285 717-677-6150 PA Interfaith Community.Programs.Inc 40 E High Street Gettysburg,PA.17325 717-334-1518 IMPORTANT DISCLOSURES If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home loan with us or enter into a loan modification or other loan-assistance program. You should consult with your bankruptcy attorney or other advisor about your legal rights and options. Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication is from a debt collector. There has been a payment default or other default on your loan that could result in acceleration of all sums due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and rights in the property and under the note and security instrument, including any remedies thereunder(the"Default Related Services"). Bank of America, N.A. will assess fees to your loan account for the Default Related Services, including those provided by its affiliates. A schedule of fees that may be charged to your account for Default Related Services is available at the following web address: http://www,bankofamerica.com/defaultfees. If you do not have internet access, please contact us at 1-800-669-6607, Monday through Thursday 8 a.m. - 11 p.m. Eastern, Friday 8 a.m. -9 p.m. Eastern, Saturday 9 a.m. - 3 p.m. Eastern,to have a fee schedule mailed to you. The fee schedule contains a complete list of the default-related services you could be charged, but does not include a complete list of all fees or charges that could be assessed on your loan account. MILITARY PERSON NEUSERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at 1-877-430-5434. If you are calling from outside the U.S. please contact us at 1-817-685-6491. DIVULGACIONES IMPORTANTES Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneraci6n de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudaci6n, una demanda de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no est6 obligado(a) a hablar de su pr6stamo para vivienda con nosotros ni a participar en un programa de modificaci6n de pr6stamos u otro programa de asistencia para pr6stamos. Usted debe consultar con su abogado especializado en quiebras u otro asesor acerca de sus opciones y derechos legates. Bank of America, N.A., el administrador de su pr6stamo para vivienda est6 obligado por ley a informarle a usted que esta comunicaci6n proviene de un cobrador de deudas. Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su pr6stamo que podria resultar en la aceleraci6n de todas las cantidades adeudadas bajo el Pagare. Como resultado, Bank of America, N.A. utilizara companias, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y Landsafe Appraisal Services, Inc., para proporcionar servicios necesarios para proteger los intereses del Titular en la propiedad y sus derechos bajo el instrumento de seguridad y el pagar6, incluyendo cualquiera de sus recursos(los"Servicios relacionados a un incumplimiento"). Bank of America, N.A. aplicara cargos a la cuenta de su pr6stamo por los servicios: relacionados a un incumplimiento, incluyendo los servicios proporcionados por sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento esta disponible en el sitio de Internet: fhtto://www.bankofamerica.com/defauitfeesl. Si usted no'tiene acceso a internet, por favor comuniquese con nosotros al 1-800-669-6607 de tunes a jueves de 8 a. m. a 11 p. m. hora del este, viemes de 8 a. m. a 9 p. m. hora del,este, sabados de 9 a. m. a 3 p. m. hors del este. para pedir que se le envie una lista de cargos por correo. La lista de cargos contiene una lista completa de los servicios relacionados par incumplimiento que le podian cobrar, pero no incluye una lista completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su pr6stamo. PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS: Si usted o su c6nyuge es un miembro del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios significativos al personal del servicio militar aue califigue, incluidas protecciones contra la ejecuci6n hipotecaria asi como tambien ayuda en la tasa de interes. Para obtener m6s informaci6n y determinar su calificaci6n por favor[lame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al 1-877-430-5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al 1-817-685-6491. Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s) could work for you. Options to consider if your goal is to stay in your home r l�Irl' pn #err y Home Affordable A federal government+program that allows you to repay the loan on newly agreed upon terms, Modification which may include lowering the interest rate, placing past due amounts at the end of the loan, 3 Program (HAMP) and/or extending the term of the loan. You may be eligible for this program if you meet the following requirements: • The amount you owe on the first mortgage is equal to or less than$729,750 for a j j single-family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property o, j $1,403,400 for a 4 unit property • You have documented a financial hardship and represented that you do not have sufficient liquid assets to make the monthly mortgage payments. ; • Your mortgage was obtained before Jan. 1,2009. The property securing the mortgage loan has not been condemned or is not in such poor physical condition that it is not habitable even if not condemned s The mortgage-is secured by a one to four unitrop_erty Loan If you can bring your loan payments up to date, we will accept the funds needed to bring the Reinstatement loan up to date until the day of your foreclosure sale. j Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay off a portion of the past due amounts over time. This may include principal, interest, fees, and/or costs assessed to your loan. I Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments Forbearance for a period of time, to allow you to re-establish your ability to make the required payments. Agreement Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could (non-HAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving l from an adjustable to a fixed-rate loan, deferring some portion of the unpaid principal balance i to the end of the loan, and/or forgiving some portion of the unpaid principal balance. 1 Partial Claim(FHA If you have a Federal Housing Administration(FHA) loan and your payments are past due but loans only) you are now able to make your regular monthly mortgage payment,this program is designed to bring your loan up to date by creating a second mortgage/lien on your property for the amount I that is past due. Options to consider if you cannot or do not wish to stay in your home l�rcr'grarrt ,, �s�r�pttt�n Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program I Foreclosure (HAMP)but were unsuccessful in securing a permanent modification through the program. 1 j Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A Program (HAFA) short sale is a transaction in which you sell your property for less than the total amount owed on j the loan (subject to agreement by your servicer/lender/investor), resulting in the release of our r>3whlien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a transaction in,,- which ich you agree to voluntarily transfer ownership of your property to us in order to avoid -foreclosure. s Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth less than I Pre-foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale, Sale(non-HAFA) the tender agrees to accept an amount less than what is actually owed on the loan. Offered to j —_ borrowers who are not edible for HAMP or other home retention alternatives. Deed in Lieu of Used as an alternative to foreclosure,with a deed in lieu of foreclosure, you transfer ownership{ Foreclosure of your house and all property secured by your mortgage loan.This may satisfy the total (non-HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home ? retention alternatives, and who were not able to sell the property through a short sale. We are here to help you. Please call us today. Hay opciones disponibles para ayudarle a Evitar la Ejecucion Hipotecaria dame al numero que aparece en to notification adjunta para obtener mos information Cuando Ilame, por favor.tenga a la mano la informaci6n de sus ingresos y gastos para que podamos discutir cueles opciones podrian funcionar para usted. opciones a considerar si su objetivo es permanecer en su casa 'rarama3esriplln Home Affordable Es un programa del gobierno federal que le permite pagar el pr6stamo bajo los nuevos Modification t6rminos acordados, que pueden incluir la reducci6n de la tasa de inter6s, agregar Program (RAMP) cantidades vencidas al final del pr6stamo,y/o extender el plazo del pr6stamo. Usted ' I puede calificar para este programa si cumple con los siguientes requisitos: • La cantidad que usted adeuda de su primera hipoteca es igual o menor que i $729,750 d6lares para una vivienda unifamiliar, $934,200 d6lares para una lI propiedad de 2 unidades, $1,129,250 d6lares para una propiedad de 3 unidades o $1,403,400 para una propiedad de 4 unidades • Usted ha documentado que atraviesa por una dificultad financiera y declarado que no tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca. • Obtuvo su hipoteca antes del 1 de enero de 2009. ' • La propiedad que garantiza el pr6stamo hipotecario no ha sido condenada o no este i { en malas condiciones fisicas tomo para no poder habitarse incluso si no esta condenada. • La hipoteca esta garantizada por una propiedad de una a cuatro unidades. Restablecimiento Si usted puede poner al dia los pagos de su prestamo, aceptaremos los fondos jdel Prestamo necesarios para que el pr6stamo este al dia hasta la fecha de la venta por ejecuci6n hipotecaria. Plan de Pago Un plan de pogo le pe rmite a usted hacer sus pagos hipotecarios regulares,adem6s de I pagar una porci6n de los montos vencidos a trav6s del tiempo. Esto puede incluir capital, inter6s, cargos o costos aplicados a su pr6stamo. i Acuerdo Temporal Es un acuerdo en el cual aceptamos no proceder con la ejecuci6n hipotecaria y/o el i de Tolerancla por cobro de Ins pagos por un periodo de tiempo, para permitirle que restablezca su incumplimiento habilidad de hacer los pagos requeridos. j Modificaci6n de Una modificaci6n del prestamo es un cambio en los terminos originales de su pr6stamo, 3 Prestamo Las modificaciones podrian incluir reducir su tasa de inter6s, extender el termino o la (no par medio de fecha de pago del pr6stamo, cambiar de un pr6stamo de tasa de interbs ajustable a uno RAMP) de tasa de inter6s fija, diferir una parte del saldo del capital impagado al final dei pr6stamo, y/o condonar una parte del saldo de capital impagado. Reclamo Parcial Si usted tiene un pr6stamo de la Administraci6n Federal de Vivienda (FHA)y sus pagos (solamente est6n vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca, prestamos de la este programa est6 disehado para que su pr6stamo este al dia mediante la creaci6n de LrHA) una segunda hipoteca!gravamen sobre su propiedad por el monto que esta vencido. j Opciones a considerar si no puede o no desea quedarse en su casa MIN Qr1i1 a GS "011, Home Affordable Disenado para ayudar a los prestatarios que califican para el Programa de Home Foreclosure Affordable Modification (RAMP), pero no consiguieron obtener una modification Alternatives urogram permanente a traves del programa. HAFA ofrece la posibilidad de una venta en I(HAFA) descubierto y, si no tiene exito, una escritura de traspaso voluntario de propiedad en j lugar de la ejecucion hipotecaria. Una venta en descubierto es Una transacciOn en la que usted vende su propiedad por mends de la cantidad adeudada en el prestamo(sujeto a previo acuerdo de su administrador/prestamista 1 inversionista), resultando en la liberation de nuestro derecho de retencion sobre su propiedad y evitar la ejecucion hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecucion hipotecaria es una transaction en la que usted esta de acuerdo de transferir voluntariamente las escrituras de su propiedad a nosotros con el fin de evitar la i ejecucion hipotecaria. 3 Venta en descubierto Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de to que /Venta previa a la usted adeuda, una venta en descubierto le podria permitir vender su vivienda para pagar i ejecucion hipotecaria la hipoteca. En una venta en descubierto, el prestamista acepta recibir una monto (no par medio de menor de to que actualmente se adeuda en el prestamo. Se ofrece a los prestatarios que HAFA) no califican para HAMP o para otras alternativas de retencion de la vivienda. Escritura de traspaso Se usa como una alternativa de la ejecucion hipotecaria. Con una escritura de traspaso de propiedad en voluntario de propiedad en lugar de la ejecucion hipotecaria, usted transfiere la lugar de la ejecucion titularidad de su vivienda y toda la propiedad que garantiza su prestamo hipotecario. hipotecaria(no por Esto puede hacer que el monto total vencido de esa hipoteca se considere como o. Se ofrece a prestatarios que no califican para HAMP u otras opciones de medio de HAFA) pagad retencion de vivienda, y que no pudieron vender la propiedad a traves de una venta en descubierto. Estamos aqui para ayudarle. Por favor Ilamenos hoy. BankefAmerica Nora Loans PO Box 9048 Temecula,CA 92589-9048 Send Payments to: PO Box 15222 Wilmington,DE 19886-5222 Send Correspondence to: PO Box 5170 (I!'i!'III'!lIIIII'II'IIIllllyllllll�hl1II0I1I4IIIFill!'III Simi Valley,CA 93062-5170 Darla M Todt 828 TorwaY Rd Gardners, PA 17324-9046 BREACHPA{FC} FLAT April 2,2014 Darla M Todt 828 Torway Rd Gardners, PA 17324-9046 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 tender intends to foreclose. Specific information about the nature of the default is Provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home This Notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with ou when you meet with the Counseling Agency. The names, addresses and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397 (Persons with impaired hearing can call 1-717-780-1869). 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, PLIES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICAC16N OBTENGA UNA TRADUCC16N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NOMERO 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): ESTATE OF BENEDICT E TODT Darla M Todt PROPERTY ADDRESS: 828 TORWAY RD GARDNERS, PA 17324-9046 LOAN ACCT.NO.: ORIGINAL LENDER: Wanoa, N.A. CURRENT LENDER/SERVICER: Bank of America, 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 GALLED "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 orooerty 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 with 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. j NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. I (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) 3 � HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it uta to date). NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at: 828 TORWAY RD GARDNERS, PA 17324-9046 IS SERIOUSLY IN DEFAULT because A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Charges: Month Due Principal&Interest Escrow Amount Optional Products Total Monthly Charge Amount Amount 02101/2014 $939.92 $252.96 $23.12 $1,216.00 03/01/2014 $939.92 $252.96 $23.12 $1,216.00 04/01/2014 $939.92 $252.96 $23.12 $1,216.00 Late Chafes: Month Amount 02/01/2014 $46.99 03/01/2014 $46.99 Total Monthly Charges: $3,648.00 Current Late Charges: $93.98 Prior Unpaid Late Charges: $0.00 Total Other Charges/Fees: $0.00 Partial Payment Balance: ( 0.00) TOTAL AMOUNT PAST DUE $3,741.98 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 $3,741.98, 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: Bank of America, N.A.PO Box 15222 Wilmington,DE 19886-5222 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 1301 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 Sheriff's 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 am 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 Sheriff's Sale of the mortgage property could be held would be approximately six (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: Bank of America, N.A. Address: PO Box 5170 Simi Valley,CA 93062-5170 Phone Number: 1-800-669-1904 Fax Number: 1-800-520-5019 Contact Person: General Collections E-Mail Address: correspondencesupport@bankofamerica.com This is not a secure email address;privacy is limited.Accordingly:confidential information,including account information and personally identifiable information should not be transmitted by this non-encrypted email.If you prefer to send confidential information via a-mail, please contact us at the telephone number above, and we will arrange for an encrypted method of communication. 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 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 the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. HEMAP Consumer Credit Counseling Agencies CUMBERLAND.County Report last updated:.JO/1617.013.10:43.AM Advantage.Credit.Counseling Service/CCCS of Western PA Communitv.Action Commission of.Capital Region 2000.Linglestown Road 1514.Derry Street Harrisburg,PA 17102 Harrisburg,PA 17104 888-511-2227 717-232-9757 Housing Alliance of York[Y Housing Resources Maranatha 290 West Market.Street 43.Philadelphia Avenue York.PA 17401 Waynesboro,PA 17268 717-855-2752 717-762-3285 PathStone Corporation PathStone Corporation 1625 North-Front St 4.50 Cleveland Ave Harrisburg..PA.17102 Chambersburg,PA.17201. 717-234-6616 717-264-5913 PA Interfaith Community.Programs.Inc PHFA 40 E High Street 211.North Front Street Gettysburg,PA.17325 Harrisburg,.PA: 1.7.1.1.0 71.7-334-1518 71.7-780-3940....8(x)-342-2397 H "MAP Consumer Credit Counseling A encies . .. ADAMS.County Report last updated:10116M13 10:43.AM Advantage Credit Counseling Service/CCCS of Western PA Housing Affiance of York,/Y.Housing Resources 2000 Linglestown Road 290 West Market Street Harrisburg,PA.17102 _ York.PA 17401 888-511-2227 717-855-2752 Maranatha PathStone Corporation 43.Philadelphia Avenue 2150 Carlisle Rd Waynesboro,PA 1.7268 Aspers,PA.17304 717-762-3285 717-677-6150 PA Interfaith Community.Programs Inc 40.E High Street Gettysburg,PA.17325 717-334-.1518 HC IMPORTANT DISCLOSURES If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt, You are not obligated to discuss your home loan with us or enter into a loan modification or other loan-assistance program. You should consult with your bankruptcy attorney or other advisor about your legal rights and options. Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication is from a debt collector. There has been a payment default or other default on your loan that could result in acceleration of all sums due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and rights in the property and under the note and security instrument, including any remedies thereunder(the"Default Related Services"), Bank of America, N.A. will assess fees to your loan account for the Default Related Services, including those provided by its affiliates. A schedule of fees that may be charged to your account for Default Related Services is available at the following web address: hftp://www.bankofamerica-comidefaultfees. If you do not have internet access, please contact us at 1-800-669-6607, Monday through Thursday 8 a.m. - 11 p.m. Eastern, Friday 8 a.m. -9 p.m. Eastern, Saturday 9 a.m. - 3 p.m. Eastern,to have a fee schedule mailed to you. The fee schedule contains a complete list of the default-related services you could be charged, but does not include a complete list of all fees or charges that could be assessed on your loan account. MILITARY PERSONNEL/SERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at 1-877-430-5434. If you are calling from outside the U.S. please contact us at 1-817-685-6491. ■ DIVULGACIONES IMPORTANTES Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneraci6n de esta deuda bajo la ley aplicable sobre quiebra,este no es un intento de recaudaci6n, una demanda de pago 0 un intento de imponer una responsabilidad personal por esa deuda. Usted no esta obligado(a) a hablar de su pr6stamo para vivienda con nosotros ni a participar en un programa de modificaci6n de prestamos u otro programa de asistencia para pr6stamos. Usted debe consultar con su abogado especializado en quiebras u otro asesor acerca de sus opciones y derechos legates. Bank of America, N.A., el administrador de su prestamo para vivienda esta obligado por ley a informarle a usted que esta comunicaci6n proviene de un cobrador de deudas. Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su pr6stamo que podria resultar en la aceleraci6n de todas las cantidades adeudadas bajo el Pagare. Como resultado, Bank of America, N.A. utilizara companias, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y Landsafe Appraisal Services, Inc., Para proporcionar servicios necesarios para proteger los intereses del Titular en la propiedad y sus derechos bajo el instrumento de seguridad y el pagare, incluyendo cualquiera de sus recursos(los"Servicios relacionados a un incumplimiento"). Bank of America, N.A. aplicara cargos a la cuenta de su pr6stamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento este disponible en el sitio de Internet: fhtto://www.bankofamericacorn/defaultfeesljueves de 8 a. m. a 11 P. m. hora del. Si usted no tiene acceso a intemet comuniquese con nosotros al 1-800-669-6607 de tunes a este, viemes de 8 a. m. a 9 P. m. hora del este, sabados de 9 a, m. a 3 p, m. hora dei este. para pedir que se le envie una lista de cargos por correo. La lista de cargos contiene una lista completa de los servicios relacionados por incumplimiento que le podian cobrar, Pero no incluye una lista completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su pr6stamo, PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS: Si usted o su c6nyuge es un miembro del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda.Civil Para Miembros de las Fuerzas Armadas y las leyes estatales comparables oto an icios significativos al personal del servicio militar gue_ calific ue, incluidas protecciones contra laeejecuci6n hbpofecaria asi como tambien ayuda en la tasa de interes. Para obtener m6s informaci6n y determinar su calificaci6n por favor Ilame sin costo a nuestro Equipo de Asistencia para et Servicio Militar al 1-877-430-5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al 1-817-685-6491. Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s)could work for you. Options to consider if your goal is to stay in your home Home Affordable A federal government program that allows you to repay the loan+on newly agreed upon terms Modification which may include lowering the interest rate placingp Program(HAMP) and/or extending the term of the loan. You may be eligible for this pros amif you mnd €the loan, I following requirements: 9 Y meet the j 1 The amount you owe on the first mortgage is equal to or less than$729,750 fora single-family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or j $1,403,400 for a 4 unit property 1 You have documented a financial hardship and represented that you do not have sufficient liquid assets to make the monthly mortgage payments. Your mortgage was obtained before Jan. 1, 2009. j + The property securing the mortgage loan has not been condemned or is not in such poor physical condition that it is not habitable even if not condemned ? +—The mortgage is secured by a one to four unitpro ' Loan ---- --�� If you can bring your loan payments up to date, we will accept the funds needed to bring the---�] Reinstatement loan up to date until the day of your foreclosure sale. Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay 1 off a portion of the past due amounts over time. This may include principal, interest,fees, 1 and/or costs assessed to our loan. i 1 Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments 11 j1 Forbearance for a period of time, to allow you to re-establish your ability to make the required payments. Agreement 3 Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications (non-HAMP) include lowering your interest rate, extending the term or maturity date of the loamoving 3 from an adjustable to a fixed-rate loan, deferring some portion of the unpaid principal balance to the end of the loan, and/or forqiving some portion of the unpaid principal balance. 1 Partial Claim(FHA If you have a Federal Housing Administration(FHA) loan and your payments are past due but7l' J loans only) you are now able to make your regular monthly mortgage payment, this program is designed to! bring your loan up to date by creating a second mortgage/lien on your property for the amount 1 3 that is past due. 3 Options to consider if you cannot or do not wish to stay in your home i l?igtIlltw 1 Home Affordable Designed2to help borrowers who are eligible€or the Foreclosure Home Affordable Modification`Program (HAMP}but were unsuccessful m securing a permanent modification through the program. Alternatives HAFA provides the option o€a short safe and, if unsuccessful, a deed in lieu of foreclosure. A ''Program (HAFA) short sale is a transaction in which you sell your property for less than the total amount owed orr the loan (subject to agreement by your servicer/fender/investor), resulting in the release of our 1 lien on your home and avoidance of foreclosure.A deed in lieu of foreclosure is a transaction in! which you agree to voluntarily transfer ownership of your property to us in order to avoid —__-_- foreclosure._ _ jShort Sale/ If-you can no longer afford to make your mortgage payments and your home is worth less than i Pre-foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale, 1 1 Sale(non-HAFA) the lender agrees to accept an amount less.than what is actually owed on the loan. Offered to i borrowers who are not elic jible for HAMP or other home retention alternatives. _ 1 Deed in Lieu of Used as an alternative to foreclosure,with a deed in lieu of foreclosure, you transfer ownership Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total �(non-HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home ' _------ retention alternatives, and who were not to sell the ro ert throw h a short sale. We are here to help you. Please call us today. Hay opciones disponibles para ayudarle a Evitar la Ejecucion Hipotecaria Mame at numero que aparece en [a notificaci6n adjunta para obtener mos informacion Cuando Ilame, por favor tenga a la mano la informaci6n de sus ingresos y gastos para que podamos discutir cu6les opciones podrian funcionar para usted. Opciones a considerar si su objetivo es permanecer en su casa Fr+ ratta iascr+per Home Affordable Es un programa del gobierno federal que(e permite pagar el pr6stamo bajo los nuevos Modification terminos acordados, que pueden incluir la reducci6n de la tasa de inter6s, agregar Program (RAMP) cantidades vencidos al final del prestamo, y!o extender el plazo del pr6stamo. Usted puede calificar para este programa si cum ple con los siguientes requisitos: • La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750 d6lares para una vivienda unifamiliar, $934,200 d6lares para una 1 propiedad de 2 unidades, $1,129,250 d6lares para una propiedad de 3 unidades o i $1,403,400 para una propiedad de 4 unidades j • Usted ha documentado que atraviesa por una dificultad financiera y declarado que I no tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca. { • Obtuvo su hipoteca antes del 1 de enero de 2009, • La propiedad que garantiza el prestamo hipotecario no ha sido condenada o no est6 en malas condiciones fisicas como para no poder habitarse incluso si no esta + condenada. • La hipoteca est6 garantizada por-una propiedad de una a cuatro unidades. Restablecimiento Si usted puede poner al dia los pagos de su pr6stamo, aceptaremos los fondos del Prestamo necesarios para que of pr6stamo este al dia hosts la fecha de la vents por ejecuci6n hipotecaria. Plan de Pago Un plan de pago le permite a usted hacer sus pagos hipotecarios reguiares, adem6s de i pagar una porci6n de los montos vencidos a traves del tiempo. Esto puede incluir capital, I inter6s, cargos a costos aplicados a su pr6stamo. rAcuerdo Temporal Es un acuerdo en el cual aceptamos no proceder con la ejecuci6n hipotecaria y/o el 1 1 de Tolerancia por cobro de los pagos por un periodo de tiempo, para permitirle que restablezca su incumpurniento habilidad de hacer los pagos requeridos. Modificaci6n de Una modificaci6n del prestamo es un cambio en los t6rminos originates de su pr6stamo, Prestamo Las modificaciones podrian incluir reducir su tasa de inter6s, extender el t6rmino o la (no por medio de fecha de pago del pr6stamo, cambiar de un pr6stamo de tasa de interes a'u t stable a uno RAMP) de Lasa de inter6s fija, diferir una parte del saldo del capital impagado al final del i pr6stamo,y/o condonar una parte del saldo de capital impagado. Reclamo Parcial Si usted tiene un pr6stamo de la Administraci6n Federal de Vivienda (FHA)y sus pagos (solamente est6n vencidos, pero ahora puede hacer sus pagos reguiares mensuales de la hipoteca, pr6stamos de-la este programa est6 disenado para que su prestamo este al dia mediante la creaci6n de FHA)�_�'^ una segunda hipoteca 1 gravamen sobre su propiedad por el monto que est6 vencido. 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HAFA ofrece la posibilidad de una vents en (HAFA) descubierto y, si no tiene kito, una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria. Una venta en descubierto es una transacci6n en la que usted vende su propiedad por menos de la cantidad adeudada en el pr6stamo(sujeto a previo acuerdo de su administrador/prestamista/inversionista), resultando en la liberaci6n de nuestro derecho de retenci6n sobre su propiedad y evitar la ejecuci6n hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria es una transacci6n en la que usted esti§de acuerdo de transferir voluntadamente las escrituras de su propiedad a nosotros con el fin de evitar la ejecuci6n hipotecaria. Venta en descubieno Si usted ya no puede hater sus pagos hipotecarios y su vivienda vale menos de to que /Venta previa a la usted adeuda, una venta en descubierto le podrfa permitir vender su vivienda para pagar ejecuci6n hipotecaria la hipoteca. En una venta en descubierto, el prestamista acepta recibir una monto (no por medio de menor de to que actualmente se adeuda en el pr6stamo. Se ofrece a los prestatarios que HAFA) no califican para HAMP o para otras alternativas de retenci6n de la vivienda. Escritura de traspaso Se usa como una alternativa de la ejecuci6n hipotecaria. Con una escritura de traspaso de propiedad en voluntario de propiedad en lugar de la ejecuci6n hipotecaria, usted transfiere la lugar de la ejecuci6n titularidad de su vivienda y toda la propiedad que garantiza su pr6stamo hipotecario. hipotecaria(no por Esto puede hater que el monto total vencido de esa hipoteca se considers como medio de HAFA) pagado. Se ofrece a prestatarios que no califican para HAMP u otras opciones de retenci6n de vivienda, y que no pudieron vender is propiedad a trav6s de una venta en descubierto. Estamos aqui para ayudarle. Por favor Ilamenos hoy. l C? FORM 1 -� i ony-b cG IN,THE COURT OF COMMON PLEAS Org, CUMBERLAND COUNTY, PENNSYLVhNrA g, Plaintiff(s) - cJ� ,° n l�e►'vicli cfi L%Tad-}- a,�k�� �en-ed it 67uof u.ib8f/ (_�SfR c6rzS OW(lQi�� O-" Defendants) Civil 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 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 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. Respectfully submitted: o Date [Signature of Counsel for Piaintiff] Ni olov LaBlaQVILa, Ei rfIL P A, 1D 2'92194 FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program Date Financial Worksheet 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: CLISTOMER/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? Mailing Address: City: State: Zip: Phone Numbers: Home: Office: Email: Cell: Other: #of people in household: How long? FINANCIAL INFORMATION 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 0 No ❑ If yes,provide names, location of court, case number& attorney: Assets Amount Owed: Value: Home: $ $ Other Real Estate: $ $ Retirement Funds: $ $ Investments: $ $ Checking: $ $ Savings: $ $ Other: $ $ Automobile#1: Model: �,eaz: Amount owed: Value: Automobile#2: Model: Year: Amount owed: Value: Other transportation(automobiles boats motorcvclesl Model: Year: Amount owed: Value Monthly Income Name of Employers: l.. 2 Additional Income Description(not wages): I 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 MortQa e Food 2" Mort a e Utilities Car Payments Cando/Neigh. Fees Auto Insurance Med.(not covered) Auto fuel/re airs Other prop. payment Install.Loan Payment Cable TV Child.Su, ort/Alim. Spending Mone Da /Child Care/Tuft. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income&Expenses: Have you been workingwith H wao using CounselingAgency? Yes 7 No Q If yes,please provide the following information: Counseling Agency: Counselor: Phone(Office): Fax: 2 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 cornpany to resolve your delinquency? Yes ❑ No ❑ If yes,please indicate the status of those negotiations: Please provide the following information, if know,regarding your lender or lender's loan servicing company: Lender's Contact(Name): Phone: Servicing Company(Name): Contact: Phone: AUTHORIZATION I/We, , authorize the above named to use/refer this information to my lender/servicer for the sole purpose of evaluating my financial situation for possible mortgage options. I/We understand that I/we am/are under no obligation to use the services provided by the above named Borrower Signature Date Co-Borrower Signature Date Please forward this document along with the following information to lender and leader's counsel: V Proof of income Past 2 bank statements Vr Proof of any expected income for the last 45 days V 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) FORM.3 IN THE COURT OF COMMON PLEAS OF Plaintiffs) CUMBERLAND COUNTY, PENNSYLVANIA bd Itis.. e (� ems - OWI( a� Defendant(s) CIVIL. J REQUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order dated , 2012 governing the Cumberland _. County Residential Mortgage Foreclosure Diversion Program,the undersigned hereby certifies as follows: I. Defendant is the owner of the real property which is the subject of this mortgage foreclosure action; 2. Defendant lives in the subject real property,which is defendant's primary residence; 3. Defendant has been served with a "Notice of Residential Mortgage Foreclosure Diversion Program"and has taken all of the steps required in that Notice to be eligible to participate in a court-supervised conciliation conference. The undersigned verifies that the statements made herein are true and correct. I understand that false statements are made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. Signature of Defendant's Counsel/Appointed Date Legal Representative Signature of Defendant Date Signature of Defendant Date i UDREN LAW OFFICES,P.C. ATTORNEY FOR PLAINTIFF BY: MARK J. UDREN, ESQUIRE -ID#04302 STUART WINNEG;ESQUIRE -ID#45362 F: LORRAINE GAZZARA DOYLE,ESQUIRE -ID#34576 SHERRI J. BRAUNSTEIN, ESQUIRE -ID#90675 yw ELIZABETH L. WASSALL,ESQUIRE -ID#77788 :r" JOHN ERIC KISHBAUGH,ESQUIRE -ID#33078 a NICOLE B. LABLETTA, ESQUIRE -ID#202194 DAVID NEEREN,ESQUIRE -ID#204252 7 AMANDA RAUER,ESQUIRE -ID#307028 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 - CHERRY HILL,NJ 08003-3620 856-669-5400 Pleadings@udren.com Bank of America,N.A. COURT OF COMMON 16001 North Dallas Parkway,Addison,TX 75006 PLEAS Plaintiff V. CIVIL DIVISION Estate of Benedict E.Todt a/k/a Benedict Eugene Todt CUMBERLAND County c/o Janet E. Todt,Personal Represenative 828 Torway Road, Gardners,PA 17324 NO I �YI A 4 1 1 ( Darla M.Todt n/k/a Darla M. Grove f/k/a Darla M.Rhinehart 436 Mill Race Road, Carlisle,PA 17013 Janet E.Todt,Personal Represenative of Estate of Benedict E.Todt a/k/a Benedict Eugene Todt 1015 Lake Meade Road,East Berlin,PA 17316 Daniel H.Todt,Known Heir of Benedict E.Todt a/k/a Benedict Eugene Todt PO Box 671292,Houston,TX 77267 Christopher Todt,Known Heir of Benedict E.Todt a/k/a Benedict Eugene Todt 4414 Windward Lane,Norcross, GA 30093 Unknown Heirs, Successors,Assigns and All Persons,Firms,or Associations Claiming Right,Title or Interest from or under Benedict E.Todt a/k/a Benedict Eugene Todt,Last Record Owner 828 Torway Road,Gardners,PA 17324 Defendant(s) TO THE PROTHONOTARYENTRY OF APPEARANCE Kindly enter the appearance of the following counsel: Mark J.Udren,Esquire; Stuart Winneg,Esquire; Lorraine Gazzara Doyle,Esquire; Sherri J.Braunstein,Esquire; Elizabeth L.Wassall,Esquire;John Eric Kishbaugh, Esquire;Nicole B.LaBletta,Esquire;David Neeren,Esquire,and Amanda Rauer,Esquire on behalf of the Plaintiff, in the above-captioned matter. _.. . UDREN LAW OFFICEP,P.C. BY: a�"0� IVA PA D 202194 UDREN LAW OFFICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Bank of America, N.A., c/o Bank of America, N.A., as successor by merger to BAC Home Loans Servicing, LP Plaintiff v. Unknown Heirs, Successors, Assigns, and All Persons, firms, or Associations Claiming Right, Title, or Interest From or Under Benedict E. Todt, a/k/a Benedict Eugene Todt Estate of Benedict E. Tody, a/k/a Benedict Eugene Todt c/o Janet E. Todt, Personal Represenative Darla M. Todt, a/k/a Darla M. Grove, a/k/a Darla M. Rhinehart Janet E. Todt, Personal Representative of The Estate of Benedict E. Todt, a/k/a Benedict Eugene Todt ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND County NO. 14-6487 Civil c-) • rn c;, r—n -11 Daniel H. Todt, Known Heir of Benedict E. Todt, a/k/a Benedict Eugene Todt Christopher Todt, Known Heir of Benedict E. Todt, a/k/a Benedict Eugene Todt. Defendant(s) PLAINTIFF'S MOTION FOR SERVICE PURSUANT TO SPECIAL ORDER OF COURT Plaintiff, by its counsel, moves this Honorable Court for an Order directing service of the Complaint In Mortgage Foreclosure by publication in accordance with Pennsylvania Rule of Civil Procedure (Pa.R.C.P.) 430(b)(1); and service of all subsequent pleadings, including, inter alia, the Notice of Sheriffs sale, that requires personal service upon Defendants, the Unknown Heirs, Successors, Assigns and All Persons, Firms or Associations Claiming Right Title or Interest From or Under Benedict E. Todt, a/k/a Benedict Eugene Todt, deceased by posting only, of the subject premises located at 828 Torway Road, Gardners, PA, 17324, in accordance with Pa.R.C.P. 430; and in support thereof avers the following: 1. Plaintiff filed a Complaint in Mortgage Foreclosure against the above captioned Defendants. 2. Plaintiff has learned that Defendant Benedict E. Todt, a/k/a Benedict Eugene Todt, may be deceased. 4. Plaintiff inquired and found an Obituary for Benedict E. Todt, a/k/a Benedict Eugene Todt . A true and correct copy is attached hereto as Exhibits "A". 6. The Plaintiff inquired with the Cumberland County Register of Wills Office and was advised that the County had a record of an Estate being raised for the defendant Benedict E. Todt, a/k/a Benedict Eugene Todt, . A true and correct copy of Plaintiffs Estate Documents are attached hereto as Exhibit "B". 7. It is therefore believed, averred and suggested that Defendant Benedict E. Todt, a/k/a Benedict Eugene Todt, is deceased. 8. Plaintiff has made a good faith effort to locate all known heirs so as to name them as party defendants pursuant to Pa.R.C.P. 1144(a)(2) as evidenced by the attached Exhibits. 9. Although specific heirs may have been located, it is believed that there may be other "unknown heirs", who remain unidentified. WHEREFORE, so as to properly satisfy the Pennsylvania Rules of Court, particularly Pa.R.C.P. 1144(a)(2), (a)(3), where the Plaintiff is required to name as party defendants in an action in mortgage foreclosure the heirs of a deceased mortgagor(s), if known, and those of a deceased real owner, the Plaintiff moves this Honorable Court, and hereby requests an Order, pursuant to Pa.R.C.P. 430 et seq., directing service of the Complaint In Mortgage Foreclosure by publication upon the Defendants, the Unknown Heirs, Successors, Assigns and All Persons, Firms or Associations Claiming Right Title or Interest From or Under Benedict E. Todt, a/k/a Benedict Eugene Todt , Deceased; and service of any and all subsequent pleadings including, inter alia, the Notice of Sheriffs Sale, that require personal service by posting only, of the subject premises located at 828 Torway Road, Gardners, PA, 17324. UDREN LAW OFFICES, P.C. BY:i. ,A5ce (0004--- Nicole LaBletta, Esquire Pa. ID 202194 Attorneys for Plaintiff UDREN LAW OFFICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Bank of America, N.A., c/o Bank of America, N.A., as successor by merger to BAC Home Loans Servicing, LP Plaintiff v. Unknown Heirs, Successors, Assigns, and All Persons, firms, or Associations Claiming Right, Title, or Interest From or Under Benedict E. Todt, a/k/a Benedict Eugene Todt Estate of Benedict E. Tody, a/k/a Benedict Eugene Todt c/o Janet E. Todt, Personal Represenative Darla M. Todt, a/k/a Darla M. Grove, a/k/a Darla M. Rhinehart Janet E. Todt, Personal Representative of The Estate of Benedict E. Todt, a/k/a Benedict Eugene Todt Daniel H. Todt, Known Heir of Benedict E. Todt, a/k/a Benedict Eugene Todt Christopher Todt, Known Heir of Benedict E. Todt, a/k/a Benedict Eugene Todt. Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND County NO. 14-6487 Civil MEMORANDUM OF LAW IN SUPPORT OF PLAINTIFF'S MOTION FOR SERVICE PURSUANT TO SPECIAL ORDER OF COURT Plaintiff, Bank of America, N.A., c/o Bank of America, N.A., as successor by merger to BAC Home Loans Servicing, LP, having filed its Motion for Service Pursuant to Special Order of Court, submits this Memorandum of Law in support hereof. Pennsylvania Rule of Civil Procedure 430(a) specifically provides, in part, that "(a) If service cannot be made under the applicable rule, the plaintiff may move the court for a special order directing the method of service." The purpose of the Motion is to seek special service of the Complaint In Mortgage Foreclosure on the Unknown Heirs, Successors, Assigns and All Persons, Firms or Associations Claiming Right Title or Interest From or Under Benedict E. Todt, a/k/a Benedict Eugene Todt , Deceased. It is believed that there may be heirs of the deceased Defendant, yet they are unknown to the Plaintiff. Therefore, because the heirs are "unknown", and thus unidentifiable and unable to be located, service cannot be made under the applicable rule. Pennsylvania Rule of Civil Procedure 1144(a) (2) requires the Plaintiff to name as party defendants in an action in mortgage foreclosure the heirs of a deceased mortgagor. Pa.R.C.P. 1144(a)(3) is silent with regard to the heirs of a deceased real owner. As stated in the attached Motion, Defendants Benedict E. Todt, a/k/a Benedict Eugene Todt is deceased. So as to properly satisfy Pa.R.C.P. 1144(a)(2), (a)(3), a good faith effort to discover the whereabouts of any and all heirs has been made in accordance with Pa.R.C.P. 430(a), as evidenced by the good faith Affidavit of Investigation and Exhibits attached hereto. Known heirs may have been identified herein. However, so as to properly serve , Benedict E. Todt, a/k/a Benedict Eugene Todt , Deceased and any surviving heirs who are unknown to the Plaintiff, but who may have an interest in the mortgaged premises, the Plaintiff seeks service by publication with regard to the Complaint in Mortgage Foreclosure, and posting only, of the mortgaged premises with regard to all subsequent pleadings that require personal service, including, inter alia, the Notice of Sheriffs Sale. Pa.R.C.P. 430(b)(1) provides for service by publication. Further, Pa.R.C.P. 430(b)(2) provides for service by publication on unknown heirs: When service is made by publication upon the heirs and assigns of a named former owner(s) or party in interest, the court may permit publication against the heirs or assigns generally if it is set forth in the complaint or an affidavit that they are unknown. In conformity with Pa.R.C.P. 430(b)(2), the Plaintiff sets forth, as verified in the within Motion, that there may be unknown heirs. In order to complete service on the Defendant Benedict E. Todt, a/k/a Benedict Eugene Todt, Deceased; by and through surviving "unknown heirs", so as to move this foreclosure action forward to ultimate disposition, the Plaintiff respectfully requests that this Honorable Court, pursuant to Pa.R.C.P. 430 et seq., and for all of the reasons hereinbefore stated, and in the attached Motion, grant a Special Order directing service of the Complaint In Mortgage Foreclosure by publication on Defendants, the Unknown Heirs, Successors, Assigns and All Persons, Firms or Associations Claiming Right Title or Interest From or Under Benedict E. Todt, a/k/a Benedict Eugene Todt, deceased and service of all subsequent pleadings including that require personal service, inter alia, the Notice of Sheriffs Sale, by posting only, of the subject premises located at 828 Torway Road, Gardners, PA, 17324. Respectfully submitted, UDREN LAW OFFICES, P.C. L., . Nicole LaBletta Esquire Pa. ID 202194 Attorneys for Plaintiff UDREN LAW OFFICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200. CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Bank of America, N.A., c/o Bank of America, N.A., as successor by merger to BAC Home Loans Servicing, LP Plaintiff v. Unknown Heirs, Successors, Assigns, and All Persons, firms, or Associations Claiming Right, Title, or Interest From or Under Benedict E. Todt, a/k/a Benedict Eugene Todt Estate of Benedict E. Tody, a/k/a Benedict Eugene Todt c/o Janet E. Todt, Personal Represenative Darla M. Todt, a/k/a Darla M. Grove, a/k/a Darla M. Rhinehart Janet E. Todt, Personal Representative of The Estate of Benedict E. Todt, a/k/a Benedict Eugene Todt Daniel H. Todt, Known Heir of Benedict E. Todt, a/k/a Benedict Eugene Todt Christopher Todt, Known Heir of Benedict E. Todt, a/k/a Benedict Eugene Todt. Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND County NO.14-6487 Civil CERTIFICATE OF SERVICE I certify that true and correct copies of the Motion For Service Pursuant to Special Order of Court was sent to the following person(s) named herein at their last known address or their attorney of record by: xxxxxxx Regular First Class Mail Date Served: November aS, 2014 TO: Unknown Heirs, Successors, Assigns, and All Persons, firms, or Associations Claiming Right, Title, or Interest From or Under Benedict E. Todt, a/k/a Benedict Eugene Todt 828 Torway Road Gardners, PA 17324 Estate of Benedict E. Todt, a/k/a Benedict Eugene Todt, c/o Janet E. Todt, Personal Represenative 828 Torway Road Gardners, PA 17324 Darla M. Todt, a/k/a Darla M. Grove, a/k/a Darla M. Rhinehart 436 Mill Race Road Carlisle, PA 17013 Janet E. Todt, Personal Representative of The Estate of Benedict E. Todt, a/k/a Benedict Eugene Todt 1015 Lake Meade Road East Berlin, PA 17316 Daniel H. Todt, Known Heir of Benedict E. Todt, a/k/a Benedict Eugene Todt P.O. Box 671292 Houston, TX 77267 Christopher Todt, Known Heir of Benedict E. Todt, a/k/a Benedict Eugene Todt. 4414 Windward Lane Norcross, GA 30093 Defendant(s) UDREN LAW OFFICES, P.C. BY: Nicole LaBletta, Esquire Pa. ID 202194 Attorneys for Plaintiff Ben E. Todt Obituary Guest Book EAST GARDNERS Ben* E. Todt, 55, -died Monday, January "Ben, l will alurays•keep your 20, .2014, in Windsor. Ben was born in pvsitiueattitude with, ie. Hanover; the son of Janet E: (Barrett) Todt of East Berlin and You...'" :the late Harold J.""Bub" Todt. Ben attended Delone Catholic _thh High School, was employed, by lobar, and was an avid hunter. In addition to his mother, :Ben. is survived by three sons, Christopher Todt of Lawrenceville, Ga., Daniel Todt of View 1 Sign 1 Houston, Texas, and Nathan Rhinehart of South Dakota; a daughter; Katy iRhinehart of Carlisle; a sister, Patricia A. Sionaker and '!her husband, Randy of New Oxford; two brothers, Harold J. Todt, Jr. and his wife, Cathy of Middletown, Md., and Richard A. Todt of Gardners; and numerous aunts, uncles„ nieces; and nephews. Following cremation; a memorial Mass will be held on Saturday, January 25, 2014, at 10 a.m. at Immaculate Heart of Mary Catholic Church, 6084 W. Canal Road, Abbottstowm, With the Rev. Kenneth a Smith officiating, °Burial will be private .and at the convenience of the 'family. Memorial contributions may be made to Immaculate Heart of Mary Church. Feiser Funeral Home, Ina, 306 .Harrisburg *St., East 'Bertin, is • in charge of arrangements. Memories may be shared at www.feiserfuneralhome:com EXHIBIT A PETITION FOR GRANT OF LETTERS REGISTER OF WILLS OF CUMBERLAND COUNTY, PENNSYLVANIA Petitloner(s) named below, who is/are 18 years of age or older, apply(les) for Letters as specified below, and in support thereof avers) the following and respectfully requests the grant of Letters in the appropriate form: Janet E. Todt pecedent's Information Name: Benedict Eugene Todt alk/a: a/k/a: sills Date of Death: 01/2012014 Decedent was domiciled at death In Cumberland principal residence at 828 Torway Road, Gardners 17324 Sweat address. Poet Office end Tip Code Decedent died at 500 Gebhart Rd. File No: (Assigned by #leg star) Social Security No: Age at Death: Courrty, PA AMIN IL__ Windsor Dickinson City, Township or Borough York (State) with hls/her last Cumberland County PA Sheet address. Post Mos and Zip Code Cry. Toarrehtp ar Borough County State Estimate of value of decedent's property at death: If domiciled In Pennsylvania » All personal property $ •Aram 1,000.00 It not domiciled /n Pennsylvania Personal property in Pennsylvania $ If not domiciled /n Pennsylvania. Personal property In County $ Value of real estate In Pennsylvania „ .. ..... $ �fiwR 1 100,000.00 Real 'WO In Pennsylvania situated at 628 Torway Road (Mach atldtbnet OWL rust scary. TOTAL ESTIMATED VALUE $ Gardners 101,000.00 Cumberland Street address, Post Office and Zip Code City, Township or Borough Courtly ❑ A, Petition for Probate and Grant of Letters Testamentary Pelitlener(s) aver(s) that ha/she/they Is/are the Executor(s) named In the Last Will of the Decedent, dated and Codlal(e) thereto dated State relevant eroanetances (e.p., ,unwuaanon, deepr of e,mnrtor, eta) Except as follows: after the execution of the instruments) offered for probate, Decedent did not ma , was not divorced, was not a party to a pending divorce proceeding wherein the grounds for divorce had been established as defined in 23 Pa. C.S. 3323(g), and did not have a child bons or adopted; and Decedent was neither the victim of a klI ng nor ever adjudicated an incapacitated person. El NO EXCEPTIONS CI EXCEPTIONS ® B. Petition for Grant el Letters of Admtpbtratigt) (If apdrwble) d.b.n., d.dn.aLa., padont° lite, If Administration, e.t.a ord.b.n.c.t.a., enter date of Will In Section A above and comohute Jist of helm. Except as follows: Decedent was not a party to pending divorce proceeding wherein the grounds for divorce had be In 23 Pa. C.S. § 3323 (g) and was neither the victim of a killing nor ever adyudicated an incapacitated person. ® NO EXCEPTIONS J EXCEPTIONS Petitioner(s), after a proper search has/have ascertained that Decedent left no Will and was survived by the followin additional sheets, if necessary): abaenaa. triode neinorrrate =ffiR glIshed eaefineET • y>3d helr6 q$p�h Name Relationship I. Address Harold J. Todt, Sr. Father Deceased 81181994 - Daniel H. Todt Son PO Box 671282 Houston, TX 77267 , ChAstopher Todt Son 4414 Windward Lane Norcross, GA Janet E. Todt Mother 1015 Lake Meade Road East Berlin, PA 17316 Fore RW-021eu. 10-11.2o11 See continuation schedule attached Copydgtrt (c) 2011 Porte /Whines only The Latimer Orap, E X H I B I T B Page 1 of 2 Oath of Personal Representative COWWONWEALTH OF PENNSYLVANIA } ) SS: COUNTY OF Cumberland ) Waal Use Only . Petitioner(s) Printed Name Petitioners) Printed Address , Janet E. Todt 1016 Lake Meade Road East Berlin, PA 17316 The Petitioners) above-named swear(s) or affirm(s) the statements In the foregoing Petition are true and correct to the best of the knowledge and belief of Petitioners) and that, as Personal Representative(s) of the nt, Petitioner(s) will well and truly administer the estate according to law. onto s- .'1-1 `¢ Sworn to aftumed end ubscxtbed before ma d of t. ay By X1'1.0 For the Regbeer BOND Required? 0 YES 11 ^O FEES: Letters $ aCC 0.00 (7 )Short Certific ate(s) 35 OD ( +� )Renunciation(s) I0. ( )Codicl(s) ( )AMdavlt(s) Bond Commission. Other Automation Fee JCS Fee. DO a3.5r, TOTAL $ 1o3, rO Estate of Benedict Eugene Todt a/k/a: Date Date Date To the Register of Please enter my appearance by my arena Attorney Signature: O Printed Name: Sharon E Myers Supreme Court 32111 ID Number: C Firm Name: CGA Law Finn Address: 106 Harrisburg St. Phone: Fax: E-mail: East Berlin, PA 17316 717-269-9692 smyersftcgaiaw.com DECREE OF THE REGISTER Date of Death: Social Security No: File No: 0i120.+2014 - AND NOW, I (nth Pihr h satisfactory proof having been presented before me, IT IS DECREED that Letters are hereby granted to Janet E. Todt 2C., , In consideration of the foregoing Petition, ieatarn errterir A( m i C ts-1Lra tr cif) in the above estate and (if applicable) that the instrument(s) dated described In the Petition be admitted to probate and flied of record as the 1a> Will (anddjc}I(s)) 47 ter of Ards Copyright (o) 2011 form Software or, The Lackner Group. In toifitihylat REGISTER OF WILLS CUMBERLAND COUNTY PENNSYLVANIA CERTIFICATE OF GRANT OF LETTERS ADMINISTRATION No. 2014-00217 PA No. Estate Of: BENEDICT EUGENE TODT 1Fhst Middle, Last, Late Of: DICKINSON TOWNSHIP CUMBERLAND COUNTY Deceased Social Security No: WHEREAS, BENEDICT EUGENE TODT late of DICKINSON TOWNSHIP CUMBERLAND COUNTY C.z2,: 7:; died on the 20th day of January 2014 and,rh ; ri ra c 33 ? x. VD 1Fvat, Middle, List) . WHEREAS, the grant of Letters of Administration is required for the administration of the estate. THEREFORE, I, LISA M. GRAYSON, ESQ, , Register of Wi l i s in and for CUMBERLAND County, in the Commonwealth of Pennsylvania, have this day granted Letters of Administration to: JANET E TODT who has duly qualified as ADMINISTRATOR(RIX) of the estate of the above named decedent and has agreed to administer the estate according to law, all of which fully appears of record in my office at CUMBERLAND COUNTY COURT HOUSE, CARLISLE, PENNSYLVANIA. IN TESTIMONY WHEREOF, I have hereunto set my hand and affixed the seal of my office on the 10th day of March 2014. k.. t-'11) Register oP l s 1r C 'PL'uuj171"t�z" I ati Deputy * *NOTE* * ALL NAMES ABOVE APPEAR (FIRST, MIDDLE, LAST) REGISTER OF WILLS OF CUMBERLAND COUNTY, PENNSYLVANIA RENUNCIATION IN RE: Estate of Benedict Eugene Todt, Deceased. To the Register of Wills of Cumberland County, Pennsylvania: I, the undersigned, CHRISTOPHER TODT, hereby renounce the right to serve as Administrator of the estate of Benedict Eugene Todt. I respectfully ask that Letters of Administration be issued to Janet E. Todt. Witness my hand this -3/ day of 2014. Christopher Todt Subscribed and sworn to before me this 3/ day of 2014. tary " blic (0079464111 } I 0 :Z Wd L- MN ME FYI rri REGISTER OF WILLS OF CUMBERLAND COUNTY, PENNSYLVANIA RENUNCIATION IN RE: Estate of Benedict Eugene Todt, Deceased. To the Register of Wills of Cumberland County, Pennsylvania: I, the undersigned, DANIEL H. TODT, hereby renounce the right to serve as Administrator of the estate of Benedict Eugene Todt. I respectfully ask that Letters of Administration be issued to Janet E. Todt. Witness my hand this i 1{ day of 2014. Daniel H. Todt Subscribed and sworn to before me this l day of vi , 2014. *4119. ''I_ ... �iri1l LINDAAZARIAN f. MY COMMISSION EXPIRES June 24, 2017 I 0 q Wd L - ?NW 110 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY )_;._-..� 1 (, t�i,J i IFUESiJ lhti . •61.. 0� LIIIIiUPf�`;fXf�} C 1 f t.t DEC - 1 11H 9: Li:. CUMBERLAND COUNT% PENNSYLVANIA OFF CE oF TtiE SHERIFF Bank of America N.A. vs. Estate of Benedict E. Todt a/k/a Benedict Eugene Todt (et al.) Case Number 2014-6487 SHERIFF'S RETURN OF SERVICE 11/10/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Estate of Benedict E. Todt a/k/a Benedict Eugent Todt, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Adams, Pennsylvania to serve the within Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure according to law. 11/10/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Janet E Todt, Personal Representative of Estate of Benedict E. Todt, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Adams, Pennsylvania to serve the within Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure according to law. 11/13/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Estate of Benedict E. Todt a/k/a Benedict Eugene Todt, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Found" at c/o Janet E. Todt, 828 Torway Road, Gardners, PA 17324. Residence is vacant. 11/13/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Darla M Todt, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Found" at 828 Torway Road, South Middleton, Gardners, PA 17324. Residence is vacant. Defendant is belived to be residing in New York. 11/13/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Daniel Todt, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Found" at 828 Torway Road, Dickinson Township, Garnders, PA 17324. Residence is vacant. 11/13/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Christopher Todt, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Found" at 828 Torway Road, Dickinson, Gardners, PA 17324. Residence is vacant. 11/13/2014 02:16 PM - The requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure served by the Sheriff of Dauphin County upon Janet E Todt, Personal Representative of Estate of Benedict E. Todt, personally, at 1015 Lake Meade Road, East Berlin, PA 17316. Jack Lotwick, Sheriff, Return of Service attached to and made part of the within record. 11/13/2014 02:16 PM - The requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure served by the Sheriff of Dauphin County upon Janet Todt, Mother -in -Law, who accepted for Estate of Benedict E. Todt a/k/a Benedict Eugent Todt, at 1015 Lake Mead Road, East Berlin, PA 17316. Jack Lotwick, Sheriff, Return of Service attached to and made part of the within record. c.c.) CountySuite Shand, Teleosoft Inc. 11/20/2014 09:36 AM - Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Darla M Todt, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Found" at 436 Mill Race Road, Dickinson Township, Carlisle, PA 17013. This is a rental property, per Amy Gibb the defendant is now resding in New York. 11/20/2014 09:36 AM - Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Estate of Benedict E. Todt a/k/a Benedict Eugent Todt, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Found" at 436 Mill Race Road, Carlisle, PA 17013. This is a rental property and per the tenant Amy Gibb she has nothing to do with the defendant. SHERIFF COST: $162.21 SO ANSWERS, November 21, 2014 (ci CountySuite Sheriff, Teleosoti, Inc. RONNY ANDERSON, SHERIFF James W. Muller Sheriff Len J. Supenski Chief Deputy SHERIFF'S OFFICE OF ADAMS COUNTY Bernard A. Yannetti, Jr. Solicitor Kevin E. Miller Lieutenant BANK OF AMERICA, N.A. VS. ESTATE OF BENEDICT E. TODT A/K/A BENEDICT EUGENE TODT (et al.) Case Number 2014-6487 SHERIFF'S RETURN OF SERVICE 11/13/2014 (I?: !6 PM - Deputy Edward Minor Jr., being duly sworn according to law, deposes and says, the Complaint in Mortgage Foreclosure (CIMF) was served upon ESTATE OF BENEDICT E. TODTA/K/A BENEDICT EUGENE TODT at 1015 LAKE MEADE ROAD, EAST BERLIN, PA 17316 by handing a true and attested copy to a JANET TODT, Mother, adult -in -charge of residence at time of service, and made known the contents thereof. ‘V/111. EDWARD MINOR JR., DEPUTY 11/13/2014 02:16 PM - Deputy Edward Minor Jr., being duly sworn according to law, deposes and says, the Complaint in Mortgage Foreclosure (CIMF) was served upon JANET E. TODT, PERSONAL REPRESENATIVE OF THE ESTATE OF BENEDICT E. TOD at 1015 LAKE MEADE ROAD, EAST BERLIN, PA 17316 by handing a true and attested copy to the Defendant and made known the contents thereof. EDWARD MINOR JR., DEPUTY SHERIFF COST: $64.84 SO ANSWERS, IAL November 20, 2014 JAMES W. MULLER, SHERIFF COSTS DATE CATEGORY MEMO CHK # DEBIT CREDIT 11/12/2014 Advance Fee Advance Fee 72412 $0.00 $150.00 11/12/2014 Notary Fee $5.00 $0.00 11/12/2014 Docket & Return $9.00 $0.00 11/12/2014 Service $15.00 $0.00 11/20/2014 Mileage $35.84 $0.00 11/20/2014 Refund 3655 $85.16 $0.00 BALANCE: COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL Erica L. Newman, Notary Public Gettysburg. Ooro, Adams County My Commission Expires April 7, 2018 AEMBER, PENNSSYL'IANIA ASSOCIATION OF NOTARIES Affirmed and subscribed to before me this 20TH day of NOVEMBER NOTARY 2014 $150.00 $150.00 $0.00 i CIS -Wit( CJS caocfraA-) tcj C66 S.. S:eriff. T;;l,osoft, Inc'. O%V0.514 e 0Sb-t2 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL DIVISION Bank of America, N.A., c/o Bank of America, N.A., as successor by merger to BAC Home Loans Servicing, LP Plaintiff v. Unknown Heirs, Successors, Assigns, and All Persons, firms, or Associations Claiming Right, Title, or Interest From or Under Benedict E. Todt, a/k/a Benedict Eugene Todt Estate of Benedict E. Tody, a/k/a Benedict Eugene Todt c/o Janet E. Todt, Personal Represenative Darla M. Todt, a/k/a Darla M. Grove, a/k/a Darla M. Rhinehart Janet E. Todt, Personal Representative of The Estate of Benedict E. Todt, a/k/a Benedict Eugene Todt Daniel H. Todt, Known Heir of Benedict E. Todt, a/k/a Benedict Eugene Todt Christopher Todt, Known Heir of Benedict E. Todt, a/k/a Benedict Eugene Todt. Defendant(s) NO. 14-6487 Civil ORDER CD 73 .. - ---I c'rrl 71 t7-1- f3 Ci -: rn SCD W - CD 1 CD C') CD yr r"; AND NOW, this 3'r Day of '>t�,.,bv , 2014, upon consideration of Plaintiff's Motion For Service Pursuant To Special Order Of Court, and any response thereto, it is hereby ORDERED AND DECREED that Service of the Complaint In Mortgage Foreclosure on, the Unknown Heirs, Successors, Assigns and All Persons, Firms or Associations Claiming Right Title or Interest From or Under Benedict E. Todt, a/k/a Benedict Eugene Todt , Deceased shall be complete when Plaintiff or its counsel or agent has published in accordance with Pa.R.C.P. 430(b)(1) a Notice of the action once in the local legal publication and once in a newspaper of general circulation within the County; and, pursuant to Pa.R.C.P. 430, service of all subsequent pleadings, including, inter alia, the Notice of Sheriffs Sale that requires personal service, shall be complete when the Sheriff, competent adult, constable, or other appropriate party has posted only, a copy of said subsequent pleadings and/or Notice on the most public part of the property located at: 828 Torway Road, Gardners, PA 17324, which is the subject matter of this action in mortgage foreclosure. MJU:14090364 (Todt) Co in.a.ttcei4 10i'col1,.,B 6a 1 -g PV rn BY THE COURT: UDREN LAW OFFICES, P.C. BY: MARK J. UDREN, ESQUIRE - ID #04302 STUART WINNEGS ESQUIRE - ID#45362 LORRAINE GAZZARA DOYLE, ESQUIRE - ID#34576 SHERRI J. BRAUNSTEIN, ESQUIRE - ID#90675 ELIZABETH L. WASSALL, ESQUIRE - ID#77788 JOHN ERIC KISHBAUGH, ESQUIRE - ID#33078 NICOLE B. LABLETTA, ESQUIRE - ID#202194 DAVID NEEREN, ESQUIRE - ID#204252 AMANDA RAUER, ESQUIRE - ID#307028 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Pleadin s ' udren.com Bank of America, N.A. Plaintiff v. ESTATE OF BENEDICT E. TODT A/K/A BENEDICT EUGENE TODT, DARLA M. TODT N/K/A DARLA M. GROVE F/K/A DARLA M. RHINEHART, JANET E. TODT, PERSONAL REPRESENATIVE OF ESTATE OF BENEDICT E. TODT A/K/A BENEDICT EUGENE TODT, DANIEL H. TODT, KNOWN HEIR OF BENEDICT E. TODT A/K/A BENEDICT EUGENE TODT , CHRISTOPHER TODT, KNOWN HEIR OF BENEDICT E. TODT A/K/A BENEDICT EUGENE TODT , UNKNOWN HEIRS, SUCCESSORS, ASSIGNS AND ALL PERSONS, FIRMS, OR ASSOCIATIONS CLAIMING RIGHT, TITLE OR INTEREST FROM OR UNDER BENEDICT E. TODT A/K/A BENEDICT EUGENE TODT, LAST RECORD OWNER, Defendant(s) ATTORNEY FOR PLAINTIFF D COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 14-6487 Civil SUBSTITUTION OF ATTORNEY TO THE PROTHONOTARY: J J Kindly substitute Milstead & Associates, LLC for Udren Law Offices, P.C. as counsel of recode a p co 0 o c�ho� < c ces O 03 BY: _ BY:"in� Attorney Name 'd'cS -\ W . U \\ &mS��S4f6,41r-2 Attorney ID iS5c) for Plaintiff, Bank of America, N.A. in the above -captioned matter. UDREN LAW OFFICES, P.C. MI. _ EAD & ASSOCIATIONS, LLC Attorney Name Attorney ID Lorraine Gazzara Doyle, Esquire PA ID 34576 14090364-1