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S uprem a Co urt-of Pennsylvania. For Prothonotary Use Only: Adourt,W CC mm n Pleas C"IV iIV f fill 1t. Docket No. Cumberland ,County / The information collected on this form is used solely for court administration purposes. This form does not supplement or replace thefiling and service of leadin s or other pa vers as required by law,or rules of court. Commencement of Action: S ®Complaint ❑ Writ of Summons ❑ Petition E ❑Transfer from Another Jurisdiction ❑ Declaration of Taking C Lead Plaintiffs Name:Household Finance Consumer Discount Co. Lead Defendant's Name:Michael Earl Barefoot T I Are there money damages requested? ❑ Yes . ONO Dollar Amount Requested: ❑within arbitration limits O (check one) ❑outside arbitration limits N Is this a Class Action Suit? Cl Yes ® No Is this an MDJAppeal? ❑ Yes ® No t A Name of Plaintiff/Appellant's Attorney: McCabe, Weisberg&Conway,P.C. ❑ Check here if you have no attorney(a Self-Represented I Pro Sel Litigant) Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT(do not include Mass Tort) CONTRACT(do not include Judgments) CIVIL APPEALS ❑Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Debt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑Nuisance I 1 ❑ Department of Transportation ❑ Premises Liability(does not include ❑ Statutory Appeal: Other S mass tort) E ❑Slander/Libel/Defamation ❑ Employment Dispute: ❑Other: Discrimination C ❑ Employment Dispute: Other ❑Zoning Board T ❑ Other 1 O ❑ Other MASS TORI' N ❑Asbestos ❑Tobacco ❑Toxic Tort-DES ❑Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS B ❑Toxic Waste ❑Ejectment ❑Common Law/Statutory Arbitration ❑Other: ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment I ❑Ground Rent ❑ Mandamus ❑ Landlord/Tenant Dispute ❑Non-Domestic Relations ®Mortgage Foreclosure:Residential Restraining Order PROFESSIONAL LIABILITY Mortgage a e Foreclosure:Commercial ❑Quo Warranto ❑Dental ❑ Partition ❑ Replevin ❑ Legal ❑Quiet Title ❑Other: ❑Mcdical ❑Other: ❑Other Professional: Updated 1/1/2011 McCABE,WEISBERG & CONWAY, P.C. Attorneys for Plaintiff BY: TERRENCE J.McCABE,ESQUIRE -ID# 16496 MARC S. WEISBERG,ESQUIRE'ID# 17616 EDWARD D. CONWAY,ESQUIRE-ID#34687 MARGARET GAIRO,ESQUIRE -ID#3441.9 ANDREW L. MARKOWITZ,ESQUIRE-ID#28009 HEIDI R. SPIVAK,ESQUIRE - ID#74770 MARISA J. COHEN,ESQUIRE-ID#87830 CHRISTINE L. GRAHAM,ESQUIRE-ID#309480 BRIAN T.LAMANNA,ESQUIRE-ID#310321 ~ ANN E. SWARTZ,ESQUIRE-ID#201926 JOSEPH F.RIGA,ESQUIRE-ID#57716 { JOSEPH I:FOLEY,ESQUIRE-ID#314675 CELINE P. DERKRIKORIAN,ESQUIRE- ID#313673 JENNIFER L. WUNDER,ESQUIRE-ID#315954 LENA KRAVETS,ESQUIRE-ID#316421 CAROL A.DiPRINZIO,ESQUIRE-ID#316094 123 South Broad Street, Suite 1400 Philadelphia,Pennsylvania 19109 " (215)790-1010 IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA FOR CUMBERLAND COUNTY ✓ J HOUSEHOLD FINANCE CONSUMER ( �✓I �, Q� U DISCOUNT COMPANY CIVIL ACTION NUMBER: 636 GRAND REGENCY BLVD BRANDON, FLORIDA 33510 COMPLAINT IN Plaintiff, MORTGAGE FORECLOSURE V. MICHAEL EARL BAREFOOT 18 SOUTH RIDGE ROAD BOILING SPRINGS, PENNSYLVANIA 17007 AND BARBARA JO BAREFOOT 18 SOUTH RIDGE ROAD BOILING SPRINGS, PENNSYLVANIA 17007 Defendant(s). CIVIL ACTION/MORTGAGE FORECLOSURE S V � a"1'735 PA Complaint 1-A(CML Owner) ��64N 14aver4.0 1 V-k 316173 NOTICE AVISO You have been sued in court. If you wish to Le han demandado a usted en la corte. Si defend against the claims set forth in the usted quiere defenderse de estas demandas following pages, you must take action within ex-puestas en las paginas siguientes, usted twenty (20) days after this complaint and tiene veinte (20) dias de plazo al partir de la notice are served, by entering a written fecha de la demanda y la notificacion. Hace appearance personally or by attorney and falta asentar una comparencia escrita o en filing in writing with the court your defenses persona o con un abogado y entregar a la corte or objections to the claims set forth against en forma escrita sus defensas o sus objeciones you. You are warned that if you fail to do so a las demandas en contra de su persona. Sea the case may proceed without you and a avisado que si usted no se defiende, la corte judgment may be entered against you by the tomara medidas y puede continuar la demanda court without further notice for any money en contra suya sin previo aviso o notificacion. claimed in the complaint or for any other Ademas, la corte puede decidir a favor del claim or relief requested by the plaintiff. You demandante y requiere que usted cumpla con may lose money or property or other rights todas las provisiones de esta demanda. Usted important to you. puede perder dinero o sus propiedades u otros derechos importantes para usted. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU USTED LE DEBE TOMAR ESTE DO NOT HAVE A LAWYER, GO TO OR PAPEL A SU ABOGADO TELEPHONE THE OFFICE SET FORTH INMEDIATAMENTE.SI USTED NO TIENE BELOW. THIS OFFICE CAN PROVIDE A UN ABOGADO, VA A O TELEFONEA YOU WITH INFORMATION ABOUT LA OFICINA EXPUSO ABAJO. ESTA HIRING A LAWYER. OFICINA LO PUEDE PROPORCIONAR IF YOU CANNOT AFFORD TO CON INFORMATION ACERCA DE HIRE A LAWYER,THIS OFFICE MAY BE EMPLEAR A UN ABOGADO. ABLE TO PROVIDE YOU WITH Si USTED NO PUEDE INFORMATION ABOUT AGENCIES THAT PROPORCIONAR PARA EMPLEAR UN MAY OFFER LEGAL SERVICES TO ABOGADO, ESTA OFICINA PUEDE SER ELIGIBLE PERSONS AT A REDUCED FEE CAPAZ DE PROPORCIONARLO CON OR NO FEE. INFORMACION ACERCA DE LAS AGENCIAS QUE PUEDEN OFRECER LOS Cumberland County Bar Association SERVICIOS LEGALES A PERSONAS 32 South Bedford Street ELEGIBLES EN UN HONORARIO Carlisle, Pennsylvania 17013 REDUCIDO NI NINGUN HONORARIO. (800) 990-9108 Cumberland County Bar Association 32 South Bedford Street Carlisle, Pennsylvania 17013 (800) 990-9108 PA Complaint 1-A(CML Owner) Page 2 11DEC12ver3.0 This is a communication from a debt collector who is attempting to collect a debt,and any information obtained will be used for that purpose. Please Note: (1) unless,within thirty (30) days after your receipt of this notice,you dispute the validity of the debt, or any portion of the debt,we will assume that the debt is valid; (2) if you notify us in writing within thirty(30) days of your receipt of this notice that the debt, or a portion of the debt, is disputed,we will cease collection of the debt until we obtain verification of the debt or a copy of the judgment against you and mail to you a copy of the verification or judgment that we obtain; (3) upon your written request to us within thirty (30) days of your receipt of this notice for the name and address of the original creditor of your debt,we will cease collection of the debt until we mail to you the name and address of the original creditor,if different from the current creditor. Case Name: Household Finance Consumer Discount Co. v. Michael Earl Barefoot and Barbara Jo Barefoot Cumberland County PA Complaint 1-A(CML Owner) Page 3 11DEC12ver3.0 1. This is an action to foreclose a mortgage brought on behalf of Plaintiff HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY. 2. The Defendant(s), MICHAEL EARL BAREFOOT AND BARBARA JO BAREFOOT ("Mortgagor(s)") are the real owner(s) of the mortgaged property hereinafter described. The last known address of Mortgagor(s) is 18 SOUTH RIDGE ROAD, BOILING SPRINGS, PENNSYLVANIA 17007. 3. Attached hereto as Exhibit A is a true and accurate copy of the promissory note and/or loan agreement ("Note") bearing the date of 05/25/2006, in which MICHAEL EARL BAREFOOT AND BARBARA JO BAREFOOT promised to pay the sum of $155,133.46 ("Loan"). 4. Attached hereto as Exhibit B is a true and correct copy of the mortgage ("Mortgage"), dated 05/25/2006 and bearing the names of Mortgagors, as the mortgagors, on real estate together with all improvements thereon, located at 18 SOUTH RIDGE ROAD, BOILING SPRINGS, PENNSYLVANIA 17007 ("Real Estate"). The Mortgage was duly recorded on 05/31/2006, Book 1952 and Page 3538, in the Office of the Recorder of Deeds of CUMBERLAND County,Pennsylvania. 5. The Real Estate subject to the Mortgage is described in the legal description attached hereto as Exhibit C. 6. The Mortgage is in default because the payments due and secured by the Mortgage have not been made. The Loan is currently due for the 08/2012 payment and all payments thereafter. 7. The business records maintained by the Plaintiff, demonstrate that the Notice of Homeowner's Emergency Assistance Program was mailed by regular mail with a certificate of PA Complaint 1-A(CML Owner) 04JUN l4ver4.0 2 mailing from the post office and by registered or certified mail to Mortgagor(s) at Mortgagor(s) last known address ("Notice") on the date set forth in the Notice. A true and accurate copy of the Notice is attached as Exhibit D. A separate Notice of Intention to Foreclose was not mailed to Mortgagor(s) because the loan was less than 24 months delinquent. 8. As of 10/21/2014, there is due and owing amounts secured by the Mortgage in the sum of$161,563.68, which amount due includes the following: Principal Balance: $132,295.81 Interest through 10/21/2014 at the Current Rate of 8.84000%: $29,931.53 Advances for Taxes: $0.00 Advances for Hazard Insurance: $0.00 Advances for Private Mortgage Insurance: $0.00 Total: $162,227.34 Less Suspense Balance or Escrow surplus, if any: $663.66 Less Restricted Escrow Balance, if any: $0.00 Total Amount Due or Owed: $161,563.68 The per diem interest due from 10/22/2014 is $32.0410. These itemized amounts may not include all fees currently due and owing under the Note and secured by the Mortgage, including certain late fees, inspection charges, property preservation expenses, and attorney's fees, since Plaintiff has decided to forgo collecting those fees, but that decision does not indicate that such fees were not properly due and owing at the time of any prior communications to the borrower(s) on the Note. PA Complaint 1-A(CML Owner) 04JUN14ver4.0 3 WHEREFORE, Plaintiff demands in rem judgment against the Defendant in the sum of $161,563.68, together with the current interest at the rate of 8.84000% and other costs and charges collectible under the Mortgage and for the foreclosure and sale of the mortgaged property. By: &,-,, MCCABE,VEISBERG & CONWAY,P.C. [ ]Terrence J.McCabe,Esquire [16496] [ ]Marc S.teisberg,Esquire[17616] [ ]Edward D.Conway,Esquire[346871 Margaret Gairo,Esquire[34419] [ ]Andrew L.Markowitz,Esquire[28009] [ ] Heidi R.Spivak,Esquire [74770] [ ]Marisa J.Cohen,Esquire[87830] [ ] Christine L. Graham,Esquire[309480] [ ]Brian T.LaManna,Esquire[310321] [ ] Ann E.Swartz,Esquire[201926] [ ]Joseph F.Riga,Esquire[57716] [ ]Joseph I.Foley,Esquire[314675] [ ]Celine P.DerKrikorian,Esquire[313673] [ ]Jennifer L.Wunder,Esquire[315954] [ ]Lena Kravets,Esquire[316421] [ ] Carol A.DiPrinzio,Esquire[316094] Attorneys for Plaintiff VERIFICATION I am a VP And 8sat S®A of the Administrative Services Division of the Plaintiff and do hereby verify that I am authorized to and do make this verification on behalf of the Plaintiff and the facts set forth in paragraphs 1 through 8 of the foregoing Complaint are true and correct to the best of my information and belief. I understand that false statements therein are made subject to the penalties relating to unsworn falsification to authorities. By. Sign �r(_r�n Mr A`10 Printed Name of Signatory On behalf of HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY VP and Asst.Sec, Its: AdminSea MV Signatory's Title PA Complaint I-A(CML Owner) 04JUN 14ver4.0 4 (Page 2 of 8) D- LOAN AGREEMENT Including Truth-in-Lending Disclosure Lender.(Called"We", "Us", "Our") HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY 25 GATEWAY DRIVE GATEWAY SQUARE/SUITE 107 MECHANICSBURG, PA 17055 Borrowers:(Called"You", "Your") MICHAEL EARL BAREFOOT BARBARA JO BAREFOOT 18 S RIDGE RD BOILING SPRGS, PA 17007 Date of Loan: 05/25/2006 Loan Number: 099 In this agreement, "you", "your"mean the Borrower(s)who signs this agreement."We", "us"and"our" refer to the Lender.This agreement covers the terms and conditions of your loan. It is important to us that you clearly understand the features of your loan. Please read this agreement carefully, and ask us any questions you may have. I Truth-in-lending Disclosure I I ANNUAL FINANCE CHARGE Amount Financed Total of Payments PERCENTAGE RATE The dollar amount The amount of The amount you will The cost of your credit the credit will cost credit provided to have paid after you have as a yearly rate. you. you or on your made all payments as behalf. scheduled. 9.489% $222,011.21 ("e2 $146,999.47 $369,010.68("e") Your payment schedule will be: Number of Payments Amount of When Payments are Due("e") Payments 1 $1,447.06 Day 25 of each month thereafter. 11 $1,447.06 Day 25 of each month thereafter. 12 $1,414.73 Day 25 of each month thereafter. 12 $1,383.38 Day 25 of each month thereafter. 12 $1,353.06 Day 25 of each month thereafter. 12 $1,323.83 Day 25 of each month thereafter. 12 $1,295.73 Day 25 of each month thereafter. 05/25/2006 17:51 Page 1 of 7 0315LE05 10>Illi�lli1�1111111�1111111III Illlllllllllllllll�illllll��lll�l�t1111111@IIInIIIIIIIIII�II�IIaIIIIIIaIIIIIaU� EXHIBIT A (Page 3 of 8) I 12 $1,268.82 Day 25 of each month thereafter. 12 $1,243.13 Day 25 of each month thereafter. ; 12 $1,218.71 Day 25 of each month thereafter. 12 $1,195.59 Day 25 of each month thereafter. 180 $1,173.79 Day 25 of each month thereafter. "e"means an estimate YOU ARE GIVING US A SECURITY INTEREST IN THE REAL PROPERTY AS DESCRIBED IN THE MORTGAGE AND LOCATED AT: 18 S RIDGE RD BOILING SPRGS, PA 17007 Late Charge If your monthly installment is not paid in full within 10 day(s)after it is due, you will be charged a late charge equal to 5%of the full amount of the monthly installment. Prepayment You may prepay your loan in full or in part at any time. If you pay off your loan early,you may have to pay a penalty and you will not be entitled to a refund of that part of the Finance Charge consisting of any prepaid finance charges. See your contract documents for any additional information about nonpayment,default, any required repayment in full before the scheduled date,and prepayment refunds and penalties. The Settlement Statement provides your disbursements and the Itemization of the Amount Financed. The figure disclosed in the Annual Percentage Rate box on page one is a composite Annual Percentage Rate which reflects the effect of the various interest rate reductions over the term of your loan. Your payment schedule assumes that all payments are received on the due date. See the "Adjustment to Contract Rate(Pay Right Rewards Program)"section of this agreement. ABOUT THE SECURITY: Your Obligation to Insure You shall keep the structures located on the real property securing your loan insured against damage caused by fire and other physical hazards, name us as a loss payee and deliver to us a loss payable endorsement. If insurance covering the real property is canceled or expires while your loan is outstanding and you do not reinstate the coverage, we may obtain, at our option, hazard insurance coverage protecting our interest in the real property as outlined below. Real Property Taxes and Homeowners Insurance covering fire and other hazards on the real Homeowners Insurance property security is required, naming us as a loss payee for the term of your loan. You shall pay us on the day that monthly installments 05/25/2006 17:51 Page 2 of 7 0315LE05 I�I�I��IIIIIIIII�II����I1111�III�IIaDq�ll�l�llll�llllll�ll�lllllllllll�ll�ll�ll�llllll����ll� EXHIBIT A (Page 4 of 8) are due under this agreement, an additional sum(the"Funds")to be used to provide for payment of amounts due for:(a)taxes and assessments and other items which can attain priority over the Mortgage as a lien or encumbrance on the real property;(b) leasehold payments or ground rents on the real property, if any;(c) premiums for any and all insurance required by us under this agreement and the Mortgage("Escrow items"). You will pay us the Funds for Escrow Items unless we waive your obligation to pay the Funds for any or all Escrow Items. We may waive your obligation to pay us Funds for any or all Escrow Items at any time.Any such waiver must be in writing. In the event of such waiver,you will be solely responsible for paying the amounts due for any Escrow Items directly and, if we require,you shall furnish us with receipts evidencing such payment within such time period as we may reasonably require. Title insurance Title insurance on the real property security is required, naming us as a loss payee. You must purchase title insurance or its local equivalent protecting our lien on the real property as a condition to obtaining your loan. You may purchase title insurance from any title insurance provider you choose that we reasonably believe provides sufficient financial protection to us. You request such title insurance and authorize us to deduct the costs of the title insurance from your loan proceeds in order to pay the title insurance provider. Lender's Right to Place You authorize us, at our option,to obtain hazard insurance coverage Hazard Insurance on the real property in an amount not greater than the outstanding balance of principal and interest on your loan or, if known to be less, the replacement value of the real property, in the event that you fail to maintain the required hazard insurance outlined above or fail to provide adequate proof of its existence. You authorize us to charge you for the costs of this insurance. We may choose to add the insurance charges to the unpaid balance of your loan,which will accrue Interest at the Contract Rate, or bill you for the annual premium on a periodic basis. The addition of the insurance charges due might increase the amount of your final monthly installment. The cost of lender-placed hazard insurance might be higher than the cost of standard insurance protecting the real property.The I lender-placed insurance will not insure the contents of the real property or provide liability coverage. The insurance might not be the lowest cost coverage of its type available and you agree that we have no obligation to obtain the lowest cost coverage. We or an affiliated company might receive some benefit from the placement of this insurance and you will be charged for the full cost of the Premium without reduction for any such benefit. If at any time after we have obtained this insurance, you provide adequate proof that you have subsequently purchased the required coverage,we will cancel the coverage we obtained and credit any unearned premiums to your loan. 05/25/2006 17:51 Page 3 of 7 0315LE05 1111011lIIIi ll�IIIA Diil IID Iii l 111 �I III II IiI�{VIII I�1�111111�11�11�11�111111 IIS Ilii IIS IIQ iinll 111111 11 lel EXHIBIT A (Page 5 of 8) ABOUT YOUR LOAN REPAYMENT: SCHEDULED MATURITY DATE 05/25/2031 PREPAID FINANCE CHARGES I $7,933.99 MONTHS OF CONTRACT 300 PRINCIPAL I $155,133.48 CONTRACT RATE(per year) 10.340% AMOUNT FINANCED $146,999.47 I Promise to Pay You agree to the terms of this agreement and promise to pay us the principal(Amount Financed plus prepaid finance charges consisting of Origination Fee/Points and Closing Fee, and any odd days interest reflected in your settlement statement)plus interest which is computed at a rate of 10.340%(the"Contract Rate"). You agree to pay us in monthly installments as stated in the Payments provision of this agreement. You also agree to pay us:(a)other charges as provided in this agreement;(b)credit insurance charges, if any;(c)collection costs permitted by applicable law, including reasonable attomeys'fees otherwise due under your Mortgage and(d)any other charges reflected in your settlement statement. Interest Interest will be charged on the unpaid principal until the full amount of principal has been paid. You will pay us interest at a yearly Contract Rate of 10.340%. The interest rate you will pay will change in accordance with the "Adjustment to Contract Rate(Pay Right Rewards Program)"section of this agreement. The interest rate required by this provision(and the Adjustment to Contract Rate(Pay Right Rewards Program)provision of this agreement)is the rate you will pay both before and after any default as described in this agreement. Payments Time and Place of Payments You will pay us principal and interest by paying your monthly installments. You will make your monthly installments to us on the same day of each month beginning on or about 06/25/2006. You will make these monthly installments every month until you have paid all of the principal and interest and any other charges described herein that you may owe under this agreement. Your monthly installments will be applied to interest before principal. If, on the Scheduled Maturity Date, 05/25/2031, you still owe amounts under this agreement,you will pay those amounts in full on that date, which amount will include interest at the then current Contract Rate or any such other rate as required by law. 05/25/2006 17:51 Page 4 of 7 0315LE05 II�aI11a�IIIII�lOillllllllllllf III1111111111�Ill�IIII1�11fVIIf�IIlUllllllllllllll�Il�lI1�II�II11pIllIIIIIII�VII� EXHIBIT A (Page 6 of 8) You will make your monthly installments at the address shown on page one or at the address shown on your monthly billing statement or at a different place that we may give you. Amount of Monthly Installments Your initial monthly installment will be in the amount of the amount of any optional insurance you elected. Your monthly 5� plus installment amount will change if the interest rate that you must pay changes. We will determine your new interest rate and the changed amount of your monthly installment in accordance with the Adjustment to Contract Rate(Pay Right Rewards Program)provision of this agreement. Adjustment to Contract Rate The Contract Rate of 10.340%will decrease by 0.30%beginning with (Pay Right Rewards the thirteenth(131h)month after every twelve(12)consecutive monthly Program) periods where all monthly installments were made in full within 30 days of their due date. Up to a maximum of 10 Contract Rate reductions are available during the term of your loan. For each Contract Rate reduction,the monthly installment will be reduced accordingly. Notwithstanding anything to the contrary in this paragraph, you will not receive any Contract Rate reductions or the reduced monthly installment after 24 periods of delinquency.A"period of delinquency" is defined as any monthly installment that is received more than 30 days past its due date. Consecutive monthly installments received more than 30 days past their respective due dates each count as separate periods of delinquency. Prepayment Subject to the prepayment penalty described below, you may prepay your loan in full or in part at any time. If you pay off your loan early, you may have to pay a penalty and you will not be entitled to a refund of that part of the Finance Charge consisting of any prepaid finance charges. Prepayment Penalty Your loan contains a prepayment penalty. If you prepay the entire outstanding balance of your loan at any time within 24 months of the Date of Loan, 05/25/2006, you agree to pay a prepayment penalty equal to 6 months interest calculated at the Contract Rate in effect at the time of prepayment on the unpaid principal balance. No prepayment penalty will be imposed:(a)if your loan is refinanced by another loan with us;(b)after 24 months;(c)if your loan is prepaid from the proceeds of any insurance; or(d)if we sue you. Late Charge If your monthly installment is not paid in full within 10 day(s)after it is due, you will be charged a late charge equal to 5%of the full amount of the monthly installment. Bad Check Charge You agree to pay$20.00 each time any check or payment is made on your loan by any means, including but not limited to, a check or ACH (our Authorization to Debit Account), which is returned unpaid by your bank or other financial institution for any reason. Additional Charges You agree to pay any amounts actually incurred by us for services rendered in connection with the opening and servicing of your loan, as allowed by law. These amounts may include fees for appraisals,title 05/25/2000 17:51 Page 5 of 7 0315LE05 I �����IIIA ll>I Iml Ila Illlll�I>��II�VIII II<f I II If�IIS IIIA Ill/!IIII lel IIII Ili Illll IIII Illl�lllll�V Ilq EXHIBIT A (Page 7 of g) examination, title insurance or its local equivalent, fees and taxes paid to public officials in connection with recording, releasing or satisfying the Mortgage and other taxes as shown in the Settlement Statement incorporated herein by this reference. You also agree to pay any other amounts incurred by us in connection with the servicing of your loan including any amounts that we may(but need not)pay or that are otherwise due under the Mortgage, incorporated herein by this reference. Default If you fail to make any monthly installment after it becomes due or fail to comply with the terms of the Mortgage,we may require that you pay us, at once and without prior notice or demand,the unpaid balance of your loan plus accrued interest and any applicable charges in this agreement as authorized. Security Interest You agree to give us a security interest in the realproperty as described in the Mortgage. ABOUT OUR RELATIONSHIP: Exchange of Information You understand and agree that we will call you from time to time to discuss your financial needs and any loan products that may be of interest to you as may be permitted by applicable law. For more information regarding our privacy practices, please refer to our Privacy Statement, which is included with your loan documents. You agree that the Department of Motor Vehicles(or your state's equivalent of such department)may release your residence address to us, should it become necessary to locate you. Credit Bureau Reporting If you fail to fulfill the terms of your loan, a negative report reflecting Telephone Monitoring on your credit record may be submitted to a Credit Reporting Agency. You agree that we may listen to and/or record telephone calls between you and our representatives for quality assurance purposes. Insurance Credit insurance is optional.Any applicable insurance disclosures are included with this agreement and are incorporated herein by this reference. Alternative Dispute The terms of the Arbitration Rider signed b y you as Resolution transaction are incorporated herein by this reference,part of your loan Applicable Law If you do not pay the full amount of an installment when it is due, and we intend to foreclose on the Mortgage,we must comply with the Provisions of Section 403 and 404 of the Act of January 30, 1974, which is known as Act No. 6, and the provisions of the Homeowner's Emergency Mortgage Assistance Act(Act No. 91 of 1983). If this loan is a first mortgage, it is a federally related loan made at an agreed rate authorized by Section 501(a), Part A,Title V, Public Law 96-221, also known as Section 1735f-7(a), Title 12, United States Code. 05/25/2006 17:51 i f r r l Page 6 of 7 IIII�IIiIII1�II�IIIIIIIIIII��I��lI1�II��I�IIIIUIIIII��1ll��lUl mm 0315LE05 EXHIBITA (Page 8 of 8) I If any provision of this agreement is finally determined to be void or unenforceable under any law,rule, or regulation,all other provisions of this agreement will remain valid and enforceable. Our failure to enforce any provision(s)to this agreement shall not be deemed to constitute a waiver of such term(s). In order for any amendment to this agreement to be valid, it must be agreed to by you and us. You acknowledge that before signing this agreement,you have read and received this agreement which includes the Federal Truth-in-Lending disclosure and,as applicable, any other riders and/or disclosures incorporated herein by reference.By signing below,you agree to observe the terms and conditions of this agreement. ANY ADVANCE OF FUNDS PURSUANT TO THIS LOAN AGREEMENT AND THE MORTGAGE WHICH SECURES THE AGREEMENT MAY, IN THE EVENT OF ANY DEFAULT,RESULT IN THE LOSS OF YOUR HOME OR OTHER REAL PROPERTY PLEDGED AS SECURITY FOR YOUR LOAN. Borrower Date:�.�-�-(' Date: 0 S Z ) C9 MICHAEL EARL BAREFOOT ( �— Borrower: `J 0,1b 1A U Q, Date: BARBARA JO BAR Witness: 05/25/2006 17:51 -Page 7 of 7 0315LE05 Illll�llllllllfl�lllllllllllllfllifllllfllllflllllllllllllllllllfllllll�l�ll>IIIIIIIDII�I�fllllllllll�i��llilllli(I EXHIBIT A I (Page 2 of 11) 3D R-391L:RT P. ZIEG1.ER .Thi instrum nit 3 prepared by: F Fill HOUSEHd �vcE CORPol; TTJT; 2:2006 111hY 31 Pel 1 92 25 ato t Return 4�: a"VW '11 , Records Processing Services 577 Lamont Road Elmhurst,IL 60126 (800) 547-8776 MORTGAGE a IF BOX IS CHECKED, THIS MORTGAGE IS AN OPEN-END MORTGAGE AND SECURES FUTURE ADVANCES. THIS MORTGAGE is made this day 25TH of MAY 2006 , between the Mortgagor,MICHAEL EARL BAREFOOT AND BARBARA JO BAREFOOT, HUSBAND AND WIFE herein "Borrower") andMortgagee-HOUSEHOLD IAC CO ER DISCOUNT COMPANY ' a corporation organized an existing under the laws of PENNSYLVANIA , whose address is ; 25 GATEWAY DRIVE, GATEWAY SQUARE/SUITE 107, MECHANICSB RG, PA 17055 herein"Lender"). The following paragraph preceded by a checked box is applicable. x WHEREAS, Borrower is indebted to Lender in the principal sum of $ evidenced by Borrower's Loan Repayment" and Security Agreement or Secondary Mortgage oan Agreement dated m4y 9s. 2 r, and any extensions or renewals thereof (herein "Note"), providing for monthly installments of principal and interest, including any adjustments to the amount of payments or the contract rate if that rate is variable, with the balance of the indebtedness, if not sooner paid,due and payable on MAy 25, 2()31 WHEREAS, Borrower is indebted to Lender in the principal sum of$ or so much thereof as may be advanced pursuant to Borrower's Revolving Loan Agreement dated and extensions and renewals thereof (herein "Note"), providing for monthly installments, and interest at the rate and under the terms specified in the Note, including any adjustments in the interest rate if that rate is variable, and providing for a credit limit stated in the principal sum above and an initial advance of$ TO SECURE to Lender the repayment of (1) the indebtedness evidenced by the Note, with interest thereon, including any increases if the contract rate is variable; (2) future advances under any Revolving Loan Agreement; (3) the payment of all other sums, with interest thereon, advanced in accordance herewith to protect the security of this Mortgage; and (4) the performance of the covenants and agreements of Borrower herein contained, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns the following described property located in the County of CUMBERLAND Commonwealth of Pennsylvania: SEE EXHIBIT A—LEGAL DESCRIPTION 1111111111111 IS II(a IIIA ISI 111111111111111114 111111111111111 IIII 11111111 111111311111111[IN 111 II 11111111111 11-11-05 MTG PA001301 OK 1952PG3538 EXHIBIT I (Page 3 of 11) -2- TOGETHER with all the improvements now or hereafter erected on the property, and all easements, rights,appurtenances and rents, all of which shall be deemed to be and remain a part of the property covered by this Mortgage; and all of the foregoing, together with said property (or the leasehold estate if this Mortgage is on a leasehold) are hereinafter referred to as the"Property." Borrower covenants that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property, and that the property is unencumbered, except for encumbrances of record. Borrower covenants that Borrower warrants and will defend generally the title to the Property against all claims and demands,subject to encumbrances of record. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of,and interest(including any variations in interest resulting from changes in the Contract Rate that may be specified in the Note)on,the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3:Payments due under the Note and this Security Instrument shall be made in U.S, currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid,Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency,instrumentality,or entity;or(d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 12. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2 or as may be required by the Note andlor applicable law,all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c)amounts due under Section 3.Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges,second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment 11-11-05 MTG PA001302 IIIIIIIIIIII IIIIIIIIIIIIIIIAUl[IIIIIIlI� I111IIIIIIII111111190111!1111oil IIIIIII III 11!111111111111111111IN1111111IIIIII BK.1.9 5 2 PG 3 5 39 EXHIBIT B (Page 4 of 11) -3- and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Volunatary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Peridic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable,the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires,shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 7. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver,and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 7 and pay such amount and Borrower shall then be obligated under Section 7 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 12 and, upon such revocation, Borrower shall pay to Lender all Funds,and in such amounts,that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under the Real Estate Settlement Procedures Act (12 U.S.C.Section 2601 et seq.)and its implementing regulation, Regulation X (24 C.F.R. Part 35000,as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this security instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the loan does not qualify as a "federally related mortgage loan" under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) 11-11-05 MTG PA001303 111111 IIIII IIII IIIII ISI IIS I>ll��I>I�111111 ill 11111 IIII II IIIII 1111 IIII IIII IIII IIIII 1111111 IIII IIII II III VIII IIII I[II IIII IIIII II IlU 8K 1 9 5 2 PG 3 5 4 0 EXHIBIT B (Page 5 of 11) -4- or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds,Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge,an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in i escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA,but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Prior Mortgages and Deed of Trust; Charges; Liens. Borrower shall perform all of Borrower's obligations under any mortgage,deed of trust or other security agreement with a lien which has priority over this Mortgage, including Borrower's covenants to make payments when due.Borrower shall pay or cause to be paid all taxes,assessments and other charges, fines and impositions attributable to the Property which may attain a priority over this Mortgage, and leasehold payments or ground rents,if any. S. Hazard Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and such other hazards as Lender may require. The insurance carrier providing the insurance shall be chosen by the Borrower subject to approval by Lender; provided, that such approval shall not be unreasonably withheld. All insurance policies and renewals thereof shall be in a form acceptable to Lender and shall include a standard mortgage clause in favor of and in a form acceptable to Lender.Lender shall have the right to hold the policies and renewals thereof,subject to the terms of any mortgage,deed of trust or other security agreement with a lien which has priority over this Mortgage. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender.Lender may make proof of loss if not made promptly by Borrower. If the Property is abandoned by Borrower,or if Borrower fails to respond to Lender within 30 days from the date notice is mailed by Lender to Borrower that the insurance carrier offers to settle a claim for insurance benefits, Lender is authorized to collect and apply the insurance proceeds at Lender's option either to restoration or repair of the Property or to the sums secured by this Mortgage. 6. Preservation and Maintenance of Property; Leaseholds; Condominiums; Planned Unit Developments. Borrower shall keep the Property in good repair and shall not commit waste or permit impairment or deterioration of the Property and shall comply with the provisions of any lease if this Mortgage is on a leasehold.If this Mortgage is on a unit in a condominium or a planned unit development, Borrower shall perform all of Borrower's obligations under the declaration or covenants creating or 11-11-05 MTG PA001304 I IIII(I(11�IIS X111�I��IIIA hili IIID II IIS 111111 Ills�III!IIII ll�®Ifs�III Illll ql�IIII IIIII IIII 1111111 II IIII BK 19 5 2 PG 3 5 4 1 EXHIBIT B (Page 6 of 11) i y ,5, governing the condominium or planned unit development, the by-laws and regulations of the condominium or planned unit development,and constituent documents. 7. Protection of Lender's Security. If Borrower fails to perform the covenants and agreements contained in this Mortgage,or if any action or proceeding is commenced which materially affects Lender's interest in the Property, then Lender, at Lender's option, upon notice to Borrower, may make such appearances,disburse such sums,including reasonable attorneys'fees,and take such action as is necessary to protect Lender's interest. Any amounts disbursed by Lender pursuant to this paragraph 7,with interest thereon,at the contract rate,shall become additional indebtedness of Borrower secured by this Mortgage. Unless Borrower and Lender agree to other terms of payment, such amounts shall be payable upon notice from Lender to Borrower requesting payment thereof.Nothing contained in this paragraph 7 shall require Lender to incur any expense or take any action hereunder. 8. Inspection.Lender may take or cause to be made reasonable entries upon and inspections of the i Property, provided that Lender shall give Borrower notice prior.to any such inspection specifying reasonablecause therefor related to Lender's interest in theProperty. 9. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of the Property,or part thereof,or for conveyance in lieu i of condemnation, are hereby assigned and shall be paid to Lender,subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has priority over this Mortgage. 10. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Mortgage granted by Lender to any i successor in interest of Borrower shall not operate to release, in any manner,the liability of the original Borrower and Borrower's successors in interest.Lender shall not be required to commence proceedings against such successor or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Mortgage by reason or any demand made by the original Borrower and Borrower's successors in interest.Any forbearance by Lender in exercising any right or remedy hereunder,or otherwise afforded by applicable law,shall not bea waiver of or preclude the exercise of any such right or remedy. i 11.Successors and Assigns Bound;Joint and Several Liability;Co-signers.Thecovenants and agreements herein contained shall bind,and the rights hereunder shall inure to,the respective successors and assigns of Lender and Borrower,subject to the provisions of paragraph 16 hereof. All covenants and I agreements of Borrower shall be joint and several.Any Borrower who co-signs this Mortgage,but does not execute the Note, (a) is co-signing this Mortgage only to mortgage, grant and convey that Borrower's ! interest in the Property to Lender under the terms of this Mortgage,(b)is not personally liable on the Note or under this Mortgage,and(c)agrees that Lender and any other Borrower hereunder may agree to extend, modify,forbear,or make any other accommodations with regard to the terms of this Mortgage or the Note without that Borrower's consent and without releasing that Borrower or modifying this Mortgage as to that Borrower's interest in the Property. 12.Notice.Except for any notice required under applicable law to be given in another manner,(a)any notice to Borrower provided for in this Mortgage shall be given by delivering it or by mailing such notice by certified mail addressed to Borrower at the Property Address or at such other address as Borrower may designate by notice to Lender as provided herein,and (b)any notice to Lender shall be given by certified mail to Lender's address stated herein or to such other address as Lender may designate by notice to Borrower as provided herein.Any notice provided for in this Mortgage shall be deemed to have been given to Borrower or Lender when given in the manner designated herein. 13.Governing Law;Severability.The applicable law contained in the Note shall control.Where no applicable law is contained therein,the state and local laws applicable to this Mortgage shall be the laws of the 1-05 ictio1111111111111111111111111111111 1 hisrt 1�1oclllllllllna1111111111111�1111n1j�lllllllllllllllllhlllllln(Il�glll�l�jpl�pplicability PA001305 11-11-05 MTG I I EXHIBIT B BK I .9 5 2 PS-3.5 4 2 (Page 7 of 11) -6- of Federal law to this Mortgage. In the event that any provision or clause of this Mortgage or the Note conflicts with applicable law,such conflict shall not affect other provisions of this Mortgage or the Note which can be given effect without the conflicting provision, and to this end the provisions of this Mortgage and the Note are declared to be severable. As used herein, "costs," "expenses" and "attorneys' fees" include all sums to the extent not prohibited by applicable law or limited herein. 14. Borrower's Copy. Borrower shall be furnished a conformed copy of the Note and of this Mortgage at the time of execution or after recordation hereof. 15.Rehabilitation Loan Agreement.Borrower shall fulfill all of Borrower's obligations under any home rehabilitation, improvement, repair, or other loan agreement which Borrower enters into with Lender. Lender, at Lender's option, may require Borrower to execute and deliver to Lender, in a form acceptable to Lender,an assignment of any rights,claims or defenses which Borrower may have against parties who supply labor,materials or services in connection with improvements made to the Property. 16. Transfer of the Property. If Borrower sells or transfers all or any part of the Property or an interest therein, excluding (a) the creation of a lien or encumbrance subordinate to this Mortgage, (b) a transfer by devise, descent, or by operation of law upon the death of a joint tenant, (c) the grant of any leasehold interest of three years or less not containing an option to purchase, (d) the creation of a purchase money security interest for household appliances, (e) a transfer to a relative resulting from the death of a Borrower, (f) a transfer where the spouse or children of the i Borrower become an owner of the property, (g) a transfer resulting from a decree of dissolution of marriage, legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the Borrower becomes an owner of the property, (h) a transfer into an inter vivos trust in which the Borrower is and remains a beneficiary and which does not relate to a transfer of I rights of occupancy in the property, or (i) any other transfer or disposition described in regulations prescribed by the Federal Home Loan Bank Board, Borrower shall cause to be submitted information required by Lender to evaluate the transferee as if a new loan were being made to the transferee. Borrower will continue to be obligated under the Note and this Mortgage unless Lender releases Borrower in writing. If Lender does not agree to such sale or transfer, Lender may declare all of the sums secured by this Mortgage to be immediately due and payable. If Lender exercises such option to accelerate, Lender shall mail Borrower notice of acceleration in accordance with paragraph 12 hereof. Such notice shall provide a period of not less than 30 days from the date the notice is mailed or delivered within which Borrower may pay the sums declared due. If Borrower fails to pay such sums prior to the expiration of such period, Lender may, without further notice or demand on Borrower, invoke any remedies permitted by paragraph 17 hereof. NON-UNIFORM COVENANTS.Borrower and Lender further covenant and agree as follows: 17. Acceleration; Remedies. Except as provided in paragraph 16 hereof, upon Borrower's breach of any covenant or agreement of Borrower in this Mortgage, including the covenants to pay when due any sums secured by this Mortgage, Lender prior to acceleration shall give notice to Borrower as provided in paragraph 12 hereof specifying: (1) the breach; (2) the action required to cure such breach; (3) a date, not less than 30 days from the date the notice is mailed to Borrower, by which such breach must be cured; and (4) that failure to cure such breach on or before the date specified in the notice may result in acceleration of the sums secured by this Mortgage, foreclosure by judicial proceeding, and sale of the Property. The 11-11-05 MTG PA00406 I I IINII IIIA IIII VIII IIID!111111111 11111111111111111 11111111 1 1 1 1111 1111 l 1111 I11l 1111111111111111111111111111111111111111111111 M lNI(O N I BK 1 9 5 2 PG 3.5 4 3 EXHIBIT B (Page a of 11) I -7- notice shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the nonexistence of a default or any other defense of Borrower to acceleration and foreclosure. If the breach is not cured on or before the date specified in the notice, Lender, at Lender's option, may declare all of the sums secured by this Mortgage to be immediately due and payable without further demand and may foreclose this Mortgage by judicial proceeding. Lender shall be entitled to collect in such proceeding all expenses of foreclosure, including, but not limited to, reasonable attorneys' fees and costs of documentary evidence, abstracts and title reports. 18. Borrower's Right to Reinstate. Notwithstanding Lender's acceleration of the sums by this Mortgage due to Borrower's breach, Borrower shall have the right to have any proceedings begun by Lender to enforce this Mortgage discontinued at any time prior to entry of a judgment enforcing this Mortgage if: (a) Borrower pays Lender all sums which would be then due under this Mortgage and the Note had no acceleration occurred; (b) Borrower cures all breaches of any other covenants or agreements of Borrower contained in this Mortgage; (c) Borrower pays all reasonable ,expenses incurred by Lender in enforcing the covenants and agreements of Borrower contained in this Mortgage, and in enforcing Lender's remedies as provided in paragraph 17 hereof, including, but not limited to, reasonable attorneys' fees; and (d) Borrower takes such action as Lender may reasonably require to assure that the lien of this Mortgage, bender's interest in the Property and Borrower's obligation to pay the sums secured by this Mortgage shall continue unimpaired. Upon such payment and cure by Borrower, this Mortgage and the obligations secured hereby shall remain in full force and effect as if no acceleration had occurred. 19. Assignment of Rents; Appointment of Receiver. As additional security hereunder, Borrower hereby assigns to Lender the rents of the Property, provided that Borrower shall, prior to acceleration under paragraph 17 hereof, in abandonment of the Property, have the right to collect and retain such rents as they become due and payable. Upon acceleration under paragraph 7 hereof or abandonment of the Property, Lender shall be entitled to have a receiver appointed by a court to enter upon, take possession of and manage the Property and to collect the rents of the Property including those past due. All rents collected by the receiver shall be applied first to payment of the costs of management of the Property and collection of rents, including, but not limited to, receiver's fees, premiums on receiver's bonds and reasonable attorneys' fees, and then to the sums secured by this Mortgage. The receiver shall be liable to account only for those rents actually received. 20. Release. Upon payment of all sums secured by this Mortgage, Lender shall release this Mortgage without charge to Borrower. Borrower shall pay all costs of recordation, if any. 21. Waiver of Homestead. Borrower hereby waives all right of homestead exemption in the Property under state or Federal law, 22. Interest Rate After Judgment. Borrower agrees the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate stated in the Note. 23. Arbitration Rider to Note. The Arbitration Rider attached to and made a part of the Note is hereby incorporated by reference and made a part of this Mortgage. I 11-11-05 MTG Illll���IIIIIIIIIIIIIIVIIU�III� �� I�I111��� I���I�lllllllllllllll�lll��l�� PA001307 952-PG3544 EXHIBIT B B� 1 (Page 9 of 11) REQUEST FOR NOTICE OF DEFAULT AND FORECLOSURE UNDER SUPERIOR MORTGAGES OR DEEDS OF TRUST Borrower and Lender request the holder of any mortgage, deed of trust or other encumbrance with a lien which has priority over this Mortgage to give Notice to Lender, at Lender's address set forth on page one of this Mortgage, of any default under the superior encumbrance and of any sale or other foreclosure action. Mii baeel Earl Barefoot-156rrower pxAnOAo, %t) 6 Barbara Jo 14drefoot orrower I hereby certify that the precise address of the Lender(Mortgagee)is: 25 Gateway Drive, Gateway Square/Suite 107, _Mechanicsburg, PA 17055 On behalf of the Lender.By: Ran D Russell Title: Araneh Manage COMMONWEALTH OF PENNSYLVANIA, Cumberland ____County ss: I. Lisa A Seay a Notary Public in and for said county and state, do hereby cerirfy that Michael Earl Barefoot & Barbara Jo Barefoot Husband & Wife personally known to me or proven satisfactorily to be the same persons whose names are subscribed to the foregoing instrument, appeared before me this day in person, and acknowledge that they signed and delivered the said instrument as their free voluntary aryagcjA'C he uses and purposes therein set forth. �a�° i��vetur my hand and official seal, this 25th day of May 0 :l�44'0. NOTARIAL SERI USA A SEAY ;oma My,ComiissicigxPlr Notary Public �..,^,�_..: {�._•-. �•.�� sal CRY OfHARRISBURG.DAUPHIN COUNN a is My Commission Expires Jul 24.2007 j�31P4f �EALTH OF PENNSYLVANIA, County ss: a Notary Public in and for said county and state, do hereby certify that i personally known to me or proven satisfactorily to be the same persons whose name(s) subscribed to the foregoing instrument, appeared before me this day in person, and acknowledge that he signed and delivered the said instrument as free voluntary actor the uses and purposes therein set forth. Given under my hand and official seal, this day of , 20 My Commission expires: Notary Public 11-11-05 MTG PA001308 Il111VI�1!lI�1111l111�I1111111111111I1�IIID111111((1111111111111111111111I111i1111111I1a11I�11i�11111111i11111111111IITilI EXHIBIT B 80952PG3545 (Page 10 of 11) A � -9- (Space Below This Line Reserved Por Lender and Recorder) 11-11-05 MTG PA001309 IN 1111111111111111111111111111 ILII 0 IIN IN 1111111 IIIIIII 11111111111 IN 11111111111111111 IIIII 1 IN 101101 11111 11111 Ill�l 11 111 8K ! 952PG3546 EXHIBIT (Page 11 of 11) I EXHIBIT A (PAGE 1) ALL THAT CERTAIN PROPERTY SITUATED IN THETOWNSHIP OF SOUTH MIDDLETON IN THE COUNTY OF CUMBERLAND AND COMMONWEALTH OF PENNSYLVANIA, BEING MORE FULLY DESCRIBED IN A DEED DATED 08/09/1995 AND RECORDED 07/28/1995, AMONG THE LAND RECORDS OF THE COUNTY AND STATE SET FORTH ABOVE, IN DEED VOLUME 125 AND PAGE 881. TAX MAP OR PARCEL ID NO. : 40-29-2482-095 I r Certify this to be recorded In Cumberland County PA �• 5 0 W Recorder of Deeds IIIllllllllallllllllllllllllll�lla�llllllllllllllllllllllgfllll[Ilq(illlllll�g1111111>Itllllllllllllllfllllllllgllll�l�lll� B� 1952PG3547 EXHIBIT (Page 11 of 11) I EXHIBIT A (PAGE 1) ALL THAT CERTAIN PROPERTY SITUATED IN THETOWNSHIP OF SOUTH MIDDLETON IN THE COUNTY OF CUMBERLAND AND COMMONWEALTH OF PENNSYLVANIA, BEING MORE FULLY DESCRIBED IN A DEED DATED 06/09/1995 AND RECORDED 07/28/1995, AMONG THE LAND RECORDS OF THE COUNTY AND STATE SET FORTH ABOVE, IN DEED VOLUME 125 AND PAGE 881. TAX MAP OR PARCEL ID NO. ; 40-29-2482-095 I r Certify this to be recorded In Cumberland County pA e Recorder of Deeds III IIII 111111111111111111110 111111111111111111111III IIII 11111111111111111 oil IN Ili Hill IIIIIII III I III 11111111111111 VIII ill IIII Alit I III gK 1952PG3547 EXHIBIT (Page 1 of 8) HOUSEHOLD FIN CONSUMER DISCOUNT CO PO BOX 1231 BRANDON FL 33509-1231 7190 0005 4730 1057 0775 000112 3.78 MICHAEL EARL BAREFOOT 18 S RIDGE RD BOILING SPRGS, PA 17007-9701 EXHIBIT D (Page 2 of 8) HOUSEHOLD FIN CONSUMER DISCOUNT CO HSBC 4D PO BOX 1231 BRANDON FL 33509-1231 Beneficial" S A,lember HSBC ID Group inn,n•,IISRf'©C,-,F SENT BY CERTIFIED MAIL AND REGULAR MAIL(WITH CERTIFICATE OF MAILING) Our hours of operation are Monday through Friday 8 am-10 pm ET. 000112 3.78 MICHAEL EARL BAREFOOT 18 S RIDGE RD BOILING SPRGS, PA 17007-9701 Re: 18 S RIDGE RD 04/08/14 BOILING SPRGS, PA 17007-9701 Account* _0079 EXHIBIT D (Page 3 of 8) (Ref.9/2008) Date: 04/08/14 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE* This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages_. The HOMEOWNEWSLEM,ERIG N-CY-MORTGAGE A SISXANCZZWH RAM (:HF.MAP ay be able tflhelp to save your home. This Notice explains how the program works. To see if HEMAP can helR, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, ddress and phone number of Consumer Credit Counseling Agencies servin your CountY are lis ed at the end of this Notice. If youh_ ave any s i as, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397 (Persons with imp ia�red hearing can call (717)780-1 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 NOT.IFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA,PUES AF:ECTA SU D:ERECH:O A CONTINUAR VIVIEN:DO EN SU CASA. S1 NO COM:P.RE.N.DE EL CONT:ENIDO DE:ESTA NOTI.FI.CACION OBTENGA UNA TRA:DUCCION 1N.ME:DI.ATAMENTE LLAMANDO ESTA AGENCIA(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO M.E.NCIONADO ARRIBA. :PUEDE SER :EL:EG:IBL.E .PARA UN P.RESTAMO POR EL P.ROGRANI .LLAMADO ".HOMEOWNER'S EME:RG.ENCY MORTGAGE ASSISTANCE.PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDI:DA DEL D:EREC.H.O A REDIMIR SU .H1POT.ECA. Page 1 of 5 EXHIBIT D (Page 6 of 8) HOMEOWNER'S NAME(S): MICHAEL EARL BAREFOOT PROPERTY ADDRESS: 18 S RIDGE RD BOILING SPRGS,:PA. 17007-9701 LOAN ACCOUNT NO.:_0079 ORIGINAL LENDER: HOUSEHOLD FIN CONSUMER DISCOUNT CO CURRENT LENDER/SERVICER: HOUSEHOLD FIN CONSUMER DISCOUNT CO HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIG;i F. FOR FINA AL ASSISTANCE WHICH CAN SAVE. YO 1R HOM . FROM FORECLOSURE AND RELP-10-UJUAKE F T 7RIGAGE PAYMENTS 1'F YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S ElWE:RG:ENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU .MAY.B.E ELIGIBLE:FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCESBEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE .PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • 1:F YOU.MEET OTHER EL.IGIBIL:ITY REQUIREMENTS ESTABLISHED BY THE P:ENNSYLVAN.IA HOUSING:F.INA.NCE AGENCY. IEMPORARY 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 ofthis Notice. IRIS MEETING MUST OCCUR WITHIN THTR Y THREE-(33) DAYS OF THE-DATEM THSNIOT:I.C_T. IF YQUDO NOT APPLY FOR F.MFRGENCy MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGEUP TO DATE, THE PART OF THIS NOTICE 1: -D " OW TO RE YOUR MORTGAGE DEFAULT", E2M e N'S HOW TO BRING YOUR MORT ,AGIP TO DAT ON MER 'RED1T COUNSELING AGENCIES--If you meet with.one of the consumer credit counseling agency listed at the end of this notice, the lender may NOT take action.against you for thirty (30) days after the date of this meeting. The names,a_ddmsses and telWhone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice, it is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APP.LICATiON FORM ER LGAGE-ASSB-IANCE -- 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 congkWSr.rqSedit Page 2 of 5 (Page 5 of 8) counseling agencies have applications for the program and they will assist you in.submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action., your application.MUST be forwarded to PHFA.and received within.thirty(30)days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A IfEMAP APPLICATION AS_SOOIV A PO SIRE 'F. 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 THF RIGHT TQ'FII F A HFMAP APPI IC'ATIQN EVEN BEYOND THF SE TIME ERIODS 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 ACTIO ly -- Available funds for emergencymortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act, The Pennsylvania Housing Finance Agency has sixty(60)days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth.above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision,on your application.. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN :BANKRUPTCY,THE FOLLOWING PA OF TH 'S NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOTBE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO TRF YOUR MORTGAGE DEFAIl ring it Un to dam, .NATURE OF THE DEFAULT -- The MORTGAGE debt held by the above lender on your property located at: 18 S RIDGE RD BOILING SPRGS,PA. 17007-9701, IS SERIOUSLY.IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: $26,200.52 for the months of 08/01/2012 through 04/08/14. Principal and Interest $25318.02 Escrow Due $0,00 Other Charges (ex.plainrtemize): Credit Insurance/Optional.Products $0.00 Late.Fees $1205.60 Ancillary Fees** $0.00 S1xLc011ecl�d�ees*** —$340 56 TOTAL AMOUNT PAST DUE: $26,200,52* EXHIBIT D Page 3 of 5 (Page 6 of 8) *The current sum of the amounts itemized above may be greater because they may not account for a recently added late fee or funds held in suspense(if any). ** This amount could include advances for delinquent property taxes, lender placed insurance, and homeowner's association.fees. *** This amount could include the following uncollected charges: optional products, late charges, principal and interest advanced, bankruptcy fees, foreclosure fees, property valuation fees, and property maintenance fees. ROM 10 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 $26,200.52; 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 moneT order made payable and sent to: HOUSEHOLD FIN CONSUMER DISCOUNT CO PO Box.5233 Carol Stream, IL 60197-5233 IF YOU DO NOT CURERF, DF.FAUL -- If you do not cure the default within THIRTY (30)DAYS of the date of this Notice, theJender nt-eads-t9 exersasQits rights toacceierate_theinutgage 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 formclase W-a your mortgage prone & IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred,up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which.may also include other reasonable costs. If you cure the de_%dt_llthinthe THIRTY (30•) DAY en riod,-ou willioLot-be,�eAA-o4myattQrney's fees. OTHER LENDER .RE:M.EDIES — The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIG I TO CURE 111E DEE ULT 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 ihe- efault_atad prevent the sale at any time up to one hour b-ch e_tlte Sheriffs Sale You may do soy paying the total amount then ast due., plus aU late or other charges then due, reasonable attorney's fees and costs connected with the for-cc,Qs-ur wand any other costs connected with the Sheriffs Sale as pccifie in writi by the lender and byperforming any other requirements under the mortgage Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST.POSSIBLE SHERIFF'S SALE DATE-- It is estimated that the earliest date that such.a Sheriffs Sale of the mortgaged property could be held would be approximately four to six months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action.will be by contacting the lender. Page 4 of 5 EXHIBIT D (Page 7 of 8) HOW TO_CON AC J ENDER: Name of Lender: HOUSEHOLD F.IN CONSUMER DISCOUNT CO Address: P.O. Box 967 Brandon, FL 33509-0967 Phone .Number: 1-877-601-7019 Fax Number: 1-888-778-3811 Contact Person.: Regina Randle Email: www.hfc.com (Accessing the website provides an option to email your SPOC Agent directly.) EFFECT OF SHER1,FF' SE -- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSU1T ONO MORTGAGE-- You may orX may not (CHECK ONE) 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. DOIIMAY ALSO HAYE 111E-RI1 RT:_ • 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 INSTITUTEDUNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH.ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSEL NG AGENCIE&URYING YOUR O 7NTY Page 5 of 5 EXHIBIT D (Page 8 of 8) H:EMA:P Consumer Credit Counseling Agencies CUMBERLAND County ttepori last upd ded:081OV2013 09:57 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 Pbiladelphia Avenue York,PA 17401 Waynesboro,PA 17268 717-855-2752 717-762-3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Are Harrisburg,PA 17102 Charnbemburg,PA 17201 717-234-6616 717-264-5913 PA Interfaith Community.Programs Inc PHFA 40 F High Street 211 North Front Street Gettysburg,PA 17325 Harrisburg,PA 1711.0 717-334-1518 717-780-3940 800-342-2397 - EXHIBIT D (Page 1 of 8) HOUSEHOLD FIN CONSUMER DISCOUNT CO PO BOX 1231 BRANDON FL 33509-1231 7190 0005 4730 1057 0782 000113 3.78 i rA BARBARA JO BAREFOOT 18 S RIDGE RD BOILING SPRGS, PA 17007-9701 EXHIBIT D (Page 2 of 8) • HOUSEHOLD FIN CONSUMER DISCOUNT CO SBC 4D BOX BR FI BRANDONN FL 33549-1231 +� Beneficial® ,Member HSBC Q►Group 1:ynirISSPC©G:xnp> SENT BY CERTIFIED MAIL AND REGULAR MAIL 1WITH CERTIFICATE OF MAILING) Our hours of operation are Monday through Friday 8 am-10 pm ET. 000113 3.78 BARBARA JO BAREFOOT 18 S RIDGE RD BOILING SPRGS, PA 17007-9701 04/08/14 Re: 18 S RIDGE RD BOILING SPRGS, PA 17007-9701 Account#: _0079 EXHIBIT D (Page 3 of 8) (Rev.9/2008) Date: 41/48/14 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE* This is an official notice that the mortgage home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the,attached pages The HOME_OWN ER'S EMERGENCY_MORTG�GE-ASSIST-ANCE PROGRAM:(REMAP) may be able to help to save your home This Notice explains how the program works. To see if HEMAP can hellt,wou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE Take this Notice with you when you meet with the Counseling Agency, The name, address andhp one number of Consumer Credit Counseling Agencies servin your County are listed at the end of this Notice. If you have any questions,you may call the Penn.�ylv.inia Housing Finance Agency toll frame. at 1-800-342-2397. (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA .NOTIFICACION EN ADJ UNTO ES DE SUMA :1MPORTANCIA, PU.ES AF.ECTA SU D:E.RECHO A CONT.INUAR VIVIE:NDO EN SU CASA. SI NO COMPRE.ND.E EL CONTENI.DO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCI.ON 1.NMEDI.ATAMENTE LLAMAN.DO ESTA AGE.NCIA(PENNSYLVANIA . OUS.I.NG FINANCE AGENCY) SIN CARGOS AL NUMERO ME.NCIO.NADO ARRIBA. :PUEDE SER ELEGI:BLE PARA UN PRESTAM.0 POR EL PROGRAMA:LLAMADO "ROMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE.PROGRAM" EL CUA.L PUEDE SALVAR SU CASA DE LA P:ERDI:DA.DEL DERECHO A RED.IMIR SU H:IPOTECA. Page 1 of 5 EXHIBIT D (Page 4 of 8) HOMEOVIWNER'S NAME(S): BARBARA JO BAREFOOT :PROPERTY ADDRESS: 18 S RIDGE RD BOILING SPRGS,PA. 17007-9701 LOAN ACCOUNT NO.:_0079 ORIGINAL LENDER: HOUSEHOLD FIN CONSUMER DISCOUNT CO CURRENT LENDER/SERVICER: HOUSEHOLD FINCONSUMER DISCOUNT CO HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELLGIBL FOR FINANCIAL'IAL AS, I STANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE ANDHELP YOU M®KF 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: • I.F YOUR DEFAULT HASBEEN 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 withone of the consumer credit counseling agencies listed at the end of this Notice. T_H MEETING MUST OCCUR W I T.HMTY- IEH,REF(331 DAY O-F .I-DATE F THIS NOLCE. IE L0-LLD9 NOT APPLY FOR E M- ERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORT ,A GE IP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE CONS :RACMERMC01 NSEEING AGENCIES -- .If you meet with.one of the consumer credit counseling agency listed at the end of this notice, the lender may NOT take action against you for thirty(30) days after the date of this meeting. The names, addresses and telephone numbers of designate{d m sumer credit coi nselingagencies for the county in which the property is located are set forth at the end of this Notice It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLIGATLON FOR MDRTGA.GE A. SISTANC.E -- 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 con&WSr-,qSedit Page 2 of 5 (Page 5 of 8) counseling agencies have applications for the program and they will assist you in submitting a complete application.to the Pennsylvania Housing:Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application.MUST be forwarded to PHFA.and received within.thirty(30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A.H.EMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE .,A,ND 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 HMP 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, A-GENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60)days to make a decision after it receives your application.. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth.above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision.on.your application.. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,THE,FOLLOWING PART OF THI:S NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT:BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT Bing it up to date), NATURE OF THE DEFAULT --The MORTGAGE debt held by the above lender on your property located at: 18 S RIDGE RD BOILING SPRGS,:PA. 17007-9701. IS SERIOUSLY .IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: $26,200.52 for the months of 08/01/2012 through.04/08/14. Principal and Interest $25318.02 Escrow Due $0.00 Other Charges (ex.plainfitemize): Credit Insurance/Optional Products $0.00 Late Fees $1205.60 Ancillary Fees** $0.00 collected Feed*** $340.56 TOTAL AMOUNT PAST.DUE: $26,200.52* EXHIBIT D Page 3 of 5 (Page 6 of 8) *The current sum of the amounts itemized above may be greater because they may not account for a recently added late fee or funds held in suspense(if any). ** This amount could include advances for delinquent property taxes, lender placed insurance, and homeowner's association.fees, *** This amount could include the following uncollected charges: optional products, late charges, principal and interest advanced, bankruptcy fees, foreclosure fees, property valuation fees, and property maintenance fees. HOW TO CUR. .SHE DFFAIILT -- 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 $26,200,52; PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH.BECOME DUE DURING THE THIRTY (30)'DAY PERIOD. Payments must be made either by cashcashier's check, certified check or money order made payable and sent to: HOUSEHOLD FIN CONSUMER DISCOUNT CO PO Box 5233 Carol Stream, IL 60197-5233 IF YOU DO NOT CURE THE DEFAUL -- If you do not cure the default within.THIRTY (30)DAYS of the date of this Notice, the lender intendsA9 exerdsrits rights-to-mcele>rate_the-mgxtgage+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-Y-o-ur mortgaged property- JE ronerty-: IF THE MORTGAGE IS FO EC LOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. .If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred,up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even.if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the d-efault-within-the TN_IRn-(M)jDAY period,_v-auml-notAe-regitired-to-pAy attorney-!sAfs. 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 SHERIF'F'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 sal�at an�v time up to one hour before the�She�i ' SaLe. You may do so by,Having the total amount then Hast due,}lulus any late or other charges then due, reasonable attorney's fees and cost re s connected with.the foreclosusale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by erforming 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 mortgaged property could be held would be approximately four to six 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. Page 4 of 5 EXHIBIT D (Page 7 of 8) 130W TO CONTACT THF i,ENDER- Name of Lender: HOUSEHOLD FIN CONSUMER DISCOUNT CO Address: P.O. Box 967 Brandon, FL 33509-0967 Phone Number: 1-877-601-7019 Fax Number: 1-888-778-3811 Contact Person: Regina Randle Email: www.11fc.com (Accessing the website provides an option to email your SPOC Agent directly.) EFFECT OF SHERIFF' 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. AS Al P1MN OF MQRTGAGE -- You may or X may not (CHECK ONE) 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. Y-0-U-MAY—ALSO—RAYE THE RIG 3T, • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LEN-DING I:NSTITUT.ION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES .IN ANY CALENDAR YEAR.) • TO ASSERT THE:NONEXISTENCE OF A.DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY Page 5 of 5 EXHIBIT D (Page 8 of 8) H:EMA:P Consumer Credit Counseline Agencies CUMBERLAND County Report List updated:08,101/2013 09:57 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/}.`Housing Resources Maranatha 290 NVest 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 450 Cleveland.Ave Harrisburg,1"A 17102 Chambersburg,PA 17201 717-234-6616 717-264-5913 PA.Interfaith Community.Programs Inc PHFA 40 E High Street 211 North Frottt Street Gettysburg,PA 17325 Harrisburg,PA 1711.0 717-334-1518 717-780-3940 800-342-2397 _ EXHIBIT D (Page 1 of 8) HOUSEHOLD FIN CONSUMER DISCOUNT CO HSBC 4D PO BOX 1231 BRANDON FL 33509-1231 f�!!� 111 Beneficial' Alember HSBC ID Group a;,•.,,�,,riSFC D G:xng> GENT BY CERTIFIED MAIL AND REGULAR MAIL(WITH RTIFICATE OF MAILING) Our hours of operation are Monday through Friday 8 am-14 pm ET. 000112 MICHAEL EARL BAREFOOT 18 S RIDGE RD BOILING SPRGS, PA 17007-9701 Re: 18 S RIDGE RD 04/08/14 BOILING SPRGS, PA 17007-9701 Account#: _0079 EXHIBIT D (Page 2 of 8) (Ref.9/2008) Date: 04/()8/14 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE* This is �n official Doti P that he mortnagg on your home is in d fa��lt,�na the lens r int ndq to foreclose. -Specific )nfnr;n.;t��,n ;,S�t the natur . ofh d fain c Provided in theattach d p2e& � The HOMFO AER'S .M R N Y MORT AGE A TAN F PROGRAMLM IAP)_may_ o save your home. This Notice explains hn-�.w-the grogram works o cel HEViAP can help, you mint MEET WITH A CONSUMFR C,RFDIT COUNSEI.IN(: AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice__wRh you when you meet with the CounselingAgency. The name, address end phone number of Consumer Credit C&unseling Agencies serving youur County are listed at th end of his Notice. if you hw any 's , you call the Pennsylvania tou 11 free 2397. (Pers-ons with impaired h aringsa_n c_ all (71 Z� This Notice contains important legal information. If youhave 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 ADJU.NTO :ES :DE SU.MA 1MPORTANCIA, PUES AFECTA SU D.ERECHO A CONTINUAR VI.VI:EN.DO EN SU CASA. SI NO COMP.RENDE EL CONTENIDO DE :ESTA.NOTIFICACION OBTENGA U.NA TRADUCCI:O.N 1NMED:IATAMENTE LLAM.ANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL .NUMERO MENCIONADO ARR:I:BA. PUEDE SER ELEGIBLE :PARA UN PRESTAMO POR:EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUA.L PUEDE SALVAR SU CASA DE:LA PERDI:DA DEL:D:ERECHO A RED:IMIR SU HIPOTECA. Pagel of 5 EXHIBIT D (Page 3 of 8) HOMEOWNER'S NAME(S): MICHAEL EARL BAREFOOT PROPERTY ADDRESS: 18 S RIDGE RD BOILING SPRGS,PA 17007-9701 LOAN ACCOUNT NO.: W079 ORIGINAL LENDER: HOUSEHOLD FIN CONSUMER DISCOUNT CO CURRENT LENDER/SERVICER: HOUSEHOLD FIN CONSUMER DISCOUNT CO HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM. YOU (1�AY BE ELIGIBI.E FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR ROME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAG . PE MORTGAGE PAY 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 IF FOREC O�SURE --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- TIIREX-j(33) DAYS—OY THEJ)ATE-O-EJJH S N I .E 1F YOU DO NOT APPLY FO_RFM R N Y MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE THE PART OF THiS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEEM JI-E., E22LAiNS HOW TO BRING YOUR MORTGAGE UP TO DATE. ONSUi\7ER CREDIT COUNSELING AGENCIES-- If you meet with.one of the consumer credit counseling agency listed at the end of this notice, the lender may.NOT take action.against you for thirty(30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the hronert 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 JE-0-B MORTGAGEAS&STANCE -- 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 congk%SrTc6edit PaLye 2 of 5 (Page 4 of 8) counseling agencies have applications for the program and they will assist you in.submitting a complete application to the:Pennsylvania Housing:Finance Agency. To temporarily stop the lender from filing a foreclosure action., your application.MUST be forwarded to PHFA.and received within,thirty(30) days of your face-to-face meeting with.the counseling agency. YOU SHOULD FILE A.HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A.MEETING WITH A.COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA.WITHIN 30 DAYS OF .THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A.FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, .IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE". YOU HAVE THE RIGHT TO FILE HEM 'P APPLICAT10N EVEN BEYOND THESE TIME P .RIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A.FORECLOSURE ACTION,BUT IF YOUR APPLICATION.IS EVENTUALLY APPROVED AT ANY TIME BEFORE A. SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60)days to make a decision after it receives your application.. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth.above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision.on.your application.. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE.DEBT. (If you have filed bankruptcy you can still apply for Emergency:Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it uD to date). NATURE OF THE DEFAULT -- The MORTGAGE debt held by the above lender on your property located at: 18 S RIDGE RD BOILING SPRGS,PA. 17007-9701. IS SERIOUSLY .IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: $26,200.52 for the months of 08/01/2012 through 04/08/14. Principal and Interest $25318.02 Escrow Due $0.00 Other Charges (explainrtemize): Credit Insurance/Optional Products $0.00 Late Fees $1205.60 AncillaryFees** $0.00 Uncollected Fees*** $340.56 TOTAL AMOUNT PAST.DUE: $26,200.52* EXHIBIT D Pace 3 of 5 (Page 5 of 8) *The current sum of the amounts itemized above may be greater because they may not account for a recently added late fee or funds held in suspense(if any). ** This amount could include advances for delinquent property taxes, lender placed insurance, and homeown.er's association.fees. *** This amount could include the following uncollected charges: optional products, late charges, principal and interest advanced, bankruptcy fees, foreclosure fees, property valuation fees, and property maintenance fees. HOW TO CURE THE EFAIILT -- 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 $26,200.52; :PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH.BECOME DUE DURING THE THIRTY (30)DAY PERIOD. moments must be made either by cash, cashier's check, ertified check or money order made payable and sent to: HOUSEHOLD FIN CONSUMER DISCOUNT CO PO Box.5233 Carol Stream, IL 60197-5233 IF YOU DO NOT CURE THE DEF UL -- .If you do not cure the default within.THIRTY (30)DAYS of the date of this Notice, the-lender-intendsAo-mrd -its-ri is-t-o,,tcc_eIerU-e-theinortgage 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 foredos-e-upon you mortgaged property. IF THE MORTGA .F, IS FORE LO, _F.ID_ISN -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred,up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even.if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs, if you cure the default thin the THIRTY(301 DAAeriod,-youwnbe reau'Ii ed-to nay attQ.rwy-�s-efs. OTHERLENDER RE.NZEDIES -- 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 xhe default_and���v�Isbe sale at any time up to one hour before thees�aLe You may do so by��a3�ing the total amount then past due, plus any late or other charges then due, reasonable attorney's fee d costs connected with,the foreclosure sale and anv other costs connected with.the Sheriffs Sale as specified in writin>� by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. .EARLIEST POSSIBLE SHERIFF'S SALE DATE -- .It is estimated that the earliest date that such.a Sheriffs Sale of the mortgaged property could be held would be approximately four to six 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-%01 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. Page 4 of 5 EXHIBIT D (Page 6 of 8) HOW TO CONTACT TATE LENDE& Name of Lender: HOUSEHOLD FI.N CONSUMER DISCOUNT CO Address: P,O, Box 967 Brandon,FL 33509-0967 Phone Number: 1-877-601-7019 Fax Number: 1-888-778-3811 Contact Person: Regina Randle Email: www.hfc.com (Accessing the website provides an option to email your SPOC Agent directly.) EFFECT OF SHERTFS-SALE -- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it, if you continue to live in.the property after the Sheriff s Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASNULMEM-N—Off-ALO-RTGAIGE -- You may or -X_may not (CHECK ONE) 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- AY-A-LSO Y-E-ME-UCJRT:_ • 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 I.NST.ITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH.ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE.FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSEL NG AGENCi S SERVING YOUR COUNTY Page 5 of 5 EXHIBIT D (Page 7 of 8) HEMA:P Consumer Credit Counselinii At!enci.es CUMBERLAND County Report last upd:ded:08/0112013 09:57 ANI Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street F-larrisburg,PA 17102 Harrisburg,PA 17104 888-511-2227 717-232-9757 Housing Alliance of York/Y Housing Resources Atlaranatha 290 West Market Street. 43 Philadelphia Avenue York,PA. 174401 Waynesboro,PA 17268 717-855-2752 717-762-3285 PathStone Corporation PathStone Corporation 1625 Nath Front St 450 ClevelandAve —Ha=rrisburg,I'A 17102 Chambersburg,PA 17201 717-234-6616 717-264-5913 FAInterfaith CommunityPrograms.inc PH FA 4tl t:high Street ?I 1 North Front Street Gettysburg,PA 17325 Harrisburg,P;1 1711.0 717-334-1518 717-780-3940 800-3412-2397 _ EXHIBIT D (Page 1 of 8) HOUSEHOLD FIN CONSUMER DISCOUNT CO HSBC 4D PO BOX 1231 BRANDON FL 33509-1231 !rt Beneficial' Alember HSBC Q►Group e4;—i,,,Flue©G:my SENT BY CERTIFIED MAIL AND REGULAR MAIL(WITH CERTIFICATE OF MAILING), Our hours of operation are Monday through Friday 8 am-14 pm ET. 000113 BARBARA JO BAREFOOT 18 S RIDGE RD BOILING SPRGS, PA 17007-9701 Re: 18 S RIDGE RD 04/08/14 BOILING SPRGS, PA 17007-9701 Account#: X079 EXHIBIT D (Page 2 of 8) (Rev.9/2008) Date: 04/08/144 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE* This is an official notice that the mortgage on your home is in d foul ,and the lender intends to foreclose= Specific int_the nature of the default is provided in the attached p„gm The H:OMEOWNER'S____ FM RGFNCY MO C�A�F A_S i� ANCE�QGRAM (A.ElVI:A�) mai be able to help to save,your home This Notice explains how the program work To see if . EM P can help, you must MEET WITH A CONSUMER CRE - nrrNCEr ING ArcNrxr WITHIN 33 DAY OF THE DATE OF THIS NOTICE Take his Notice with you when . meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions,-you may call the Penns ly vania Housing Finance Agency toll free at-]--800-342-2397. (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOT:IFICACION EN ADJUNTO :ES DE SUMA 1MPORTANCIA, PLIES AF.ECTA SU DE:RECHO A CO.NT.INUAR VIV1EN.DO EN SU CASA. S1 NO COMPRE.N.DE.EL CO.NTENI:DO DE ESTA.NOTIFICACION OBTENGA UNA TRADUCCI:ON IN.ME.DIATAMENT:E L.LAMAN.DO ESTA AGENCIA(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIO.NADO ARRIBA. PUEDE SER ELEG:I.BLE PARA UN .P:RESTAMO POR EL PROGRAMA:LLAMADO "aOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CURL PUEDE SALVAR SU CASA DE LA P:ERDI:DA DIEL DEREC.HO A REDIMIR SU IIIPOTECA. Page 1 of 5 EXHIBIT D (Page 3 of 8) HOMEOWNER'S NAME(S): BARBARA.JO BAREFOOT PROPERTY ADDRESS: 18 S RIDGE RD BOILING SPRGS,PA. 17007-9701 LOAN ACCOUNT NO.:�079 ORIGINAL LENDER: HOUSEHOLD FIN CONSUMER DISCOUNT CO CURRENT LENDER/SERV.ICER: HOUSEHOLD:FI:N CONSUMER DISCOUNT CO HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY B ELLGIBI.E FOR FINAMAL A I TANCE WHICH CAN SAVE YOUR HOME FROM FOREC: ,OS -ANDIELP YOU MAKE FUTURE MORTGA F PAYIVIFNTS IF YOU COMPLY WITH THE.PROVISIONS OF THE HOMEOWNER'S EIIIERGENCY 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, • 1F 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 STAYOF FORECLOSURE URE --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 TIURTY- co3.REE_i33g [)_A.Y O THEJDATE (��a'„H:jS�yQTI F'• IF___.Y_p�I DO_NOT APPLY FO ]11ER FN Y MORTGAGE ASSISTANCE, YOU N UST BRING YOUR MQR_TGAGE lip TO DATE, THE PART OF THIS NOTICE CALIED "HOW TO CURE Y01 JR MORTGAGE pEFAjrr T,,, F1 P AI,NS OW To noTN YOUR MORTGAG"E P TO'DAT -CO-N r?nfi FR-GRED T CO_UNSELOLG-AGENCJ.ES -- If you meet with.one of the consumer credit counseling agency listed at the end of this notice, the lender may NOT take action.against you for thirty(30) days after the date of this meeting. The names, addresses and telephone numbers of desigDated consumer credi counseling agencies for the county in w ichheprrope► y 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. APPLICATLON FOR n LIGAG-EAS ISTANCE -- 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 con&WSr-rqSedit Page 2 of 5 (Page 4 of 8) counseling agencies have applications for the program and they will assist you in. submitting a complete application to the:Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application.MUST be forwarded to PHFA and received within thirty(30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A.HEMAP APPLICATION AS SOON AS POSSIBLE. .IF YOU HAVE A.MEETING WITH A.COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION W.ITH.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 FO'RECLOS'URE". YOU HAVE IffE RIGHT TO FILE A aE AP APPLICATION EVEN BEYOND THESF TIME PE A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A.FORECLOSURE ACTION, BUT.IF YOUR AP.PLICAT.ION .IS EVENTUALLY APPROVED AT ANY TIME BEFORE A. SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGJENCY ACTION --Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60)days to make a decision.after it receives your application.. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision.on.your application, NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FORINFORMATION PURPOSES ONLY AND SHOULD NOTBE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORIGAGF DEFAULT (Bring it un todat NATURE OF THE DEFAULT --The MORTGAGE debt held by the above lender on your property located at: 18 S RIDGE RD BOILING SPRGS,PA. 17007-9701. IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: $26,200.52 for the months of 08/01/2012 through 04/08/14. Principal and Interest $25318.02 Escrow'Due $0.00 Other Charges (explainrtemize): Credit Insurance/Optional Products $0.00 Late Fees $1205.60 Ancillary Fees" $0.00 I1�I�collected Fees*** X340.56 TOTAL AMOUNT.PAST.DUE: $26,200.52* EXHIBIT D Page 3 of 5 (Page 5 of 8) *The current sum of the amounts itemized above may be greater because they may not account for a recently added late fee or funds held in suspense(if any). ** This amount could include advances for delinquent property taxes, lender placed insurance, and homeowner's association fees. *** This amount could include the following uncollected charges: optional products, late charges, principal and interest advanced, bankruptcy fees, foreclosure fees, property valuation fees, and property maintenance fees. HOW TO CURE THF DEF U' .T -- 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 $26,200.52; PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)'DAY PERIOD. Payments mug.he made either by cash, cashier's check c rtified thea. or mope order rnadc payable and sent to: HOUSEHOLD FIN CONSUMER DISCOUNT CO PO Box 5233 Carol Stream, 1L 60197-5233 IF YOU DO NOT CURE THE DEFe'ULT -- .If you do not cure the default within.THIRTY (30) DAYS of the date of this Notice, the(ende fe> tea, e�cils�e�ts rights to acc�erateAhe—oxtgage-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 foxeelnse_pMyouur mortgaged-lro_ rxty. IF THE McE 7PON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred,up to $50.00. However, if legal proceedings are started against you,, you will have to pay all reasonable attorney's fees actually incurred by the lender even.if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which.may also include other reasonable costs. If yon cure the defaultavithm-the ;:CRTY (300AY_pejrjoA,_you-wjA- sol be-e"irrr-clA-o-pfV-attonKy's_fM. OTHER:LENDER.REXEDIES-- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DFFAU I PRIOR TO SHERIFF'S SA E if you have not cured the default within the THIRTY(30)DAY period and foreclosure proceedings have begun, ym still have h rightto cut fore Sl�e� fault and pxe�ent the .ale a any time up o oae houL-b he Sheriffs ale. You may do so by m ing lal,oges then due, masonabic attorney's feQs mid costs connected with the foreclosr re sale and any other costs tonnec,ted with the Sh riffs S do as specified in writing by the lender nd by performing ny o h r r Firemen s under the mortgacr Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- .It is estimated that the earliest date that such.a Sheriffs Sale of the mortgaged property could be held would be approximately four to six 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. Page 4 of 5 EXHIBIT D "44Ve 6 of 8) HOW TO CONIACTSHE_LENDE& Name of Lender: HOUSEHOLD FIN CONSUMER DISCOUNT CO Address: P.O. Box 967 Brandon, FL 33509-0967 Phone .Number: 1-877-601-7019 Fax Number: 1-888-778-3811 Contact Person.: Regina Randle Email: www.hfc.com (Accessing the website provides an option to email your SPOC Agent directly.) E.FEEC-T O— F SH>=RJEF-�S-SAEE -- 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. ASSEWTION-4F-M—O3_T_OAOE -- You may or X may not (CHECK ONE) 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-AYE. -RLGHTi • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INST.ITUTIO.N 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 :NO:NEXISTE:NCE OF A.DEFAULT IN ANY:FORECLOSURE PROCEEDING OR ANY OTHER LA.WSU.IT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH A.CT.ION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONS-UM—E REDIT C'OEN-SEL•I ENCIES_SERyi_NG y0UR CQENTY :Page 5 of 5 EXHIBIT D age 7 of 8) r • HEMAP Consumer Credit Counseli_ ne A2endes CUMBERLAND County Report list updated:()8,01%2013 09:57 AM Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Liuglestown Road 1514 Derry Street Harrisburg,PA 17102 Harrisburg,PA 17104 888-51.1-2227 717-232-9757 Housing Alliance ofYork/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 450 Cleveland Ave —fI—iffisburg,PA 17102 Chambersburg,PA 17201 717-234-6616 717-264-591.3 PA Interfaith Community.Programs Inc PH FA --ALE High Street 211 North Front Street Gettysburg,PA 17325 Harrisburg,PA 1711.0 717-334-1518 717-780-3940 800-342-2397 _ EXHIBIT D FOR M I Household Finance Consumer Discount Co. IN THE COURT OF COMMON PLEAS O:F, � :Plaintiff � CUMBERLAND COUNTY, :PENNSYLVA`'NIA " vs. V-ni``, Michael F..,arl Barefoot and.Barbara Jo Barefoot Civil -.;- Defendants •ice�- �� •�;;., NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE n 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: Date Aignfare Counsel for Plaintiff) 14-103001 Page 1 FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date: Cumberland County Court of Common Pleas Docket# BORROWER REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance,your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: Borrower name(s): Property Address: City: State: Is the property for sale? Yes❑No El Listing date: Price$ Zip. Realtor Name: Realtor Phone: Borrower Occupied? Yes❑No❑ Mailing Address(if different): City: State: Phone Numbers: Zip' Home: Office: Email: Cell: Other: #of people on household: How long? Mailing Address(if different): City: State: Phone Numbers: Zip' Home: Office: Email: Cell: Other: #of people on household: How long? First Mortgage Lender: Type of Loan: Loan Number: Date You Closed Your Loan: Second Mortgage Lender: Type of Loan: Loan Number: Total Mortgage Payment Amount$ Included Taxes& Insurance: Date of Last Payment: Primary Reason for Default: Is the loan in Bankruptcy? Yes 0 No 0 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: Amount owed: Year: Value: Automobile#2: Model: Amount owed: Year: Value: Other transportation(automobiles boats motorcycles)7 Model Year: Amount owed: Value: _Monthly Income Name of Employers: I. 2. 3. 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 Mortgage Food 2"d Mortgage Utilities Car Payment(s) Condo/Neigh. Fees Auto Insurance Med. (not covered) Auto fuel/repairs Other prop, payment Install. Loan Payment Cable TV Child Support/Alim. Spending Money Da /Child Care/Tuft. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income&Expenses: Have you been working with a Housing Counseling Agency? Yes O No❑ 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 company to resolve your deliquency? Yes❑No❑ If yes,please indicate the status of those negotiations: Please provide the following information, if known,regarding your lender or lender's loan servicing company: Lender's Contact(Name): Phone: Servicing Company(Name): Contact: Phone: I/We, author ze the named to use/refer this information to my lender/servicer for the sole'purpose of above evaluating my financial situation for possible mortgage options. I/We understand that I/we am/are under no obiligation to use the services provided by the above named Borrower Signature Date Co-Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: Proof of income Past 2 bank statements Proof of any expected income for the last 45 days Copy of a current utility bill Letter explaining reason for delinquency and any supporting documentation (hardship letter) Listing agreement(if property is currently on the market) 3 SHERIFF'S����U�������������� OFFICE v��~~ �~. CUMBERLAND COUNTY " � � RonnyRAnderson ����]-���.�_Sheriff ;5" THE PROTHONOTAi Jody S Smith Chief Deputy Richard W Stewart Solicitor r C tri ti ~ -w •••,- 0PFICE OF ME V-ERIFa 2014 NOV �� 3: 1� ^°..`~", �~ ... ._ CUMBERLAND COUNTY PENNSYLVANIA Household Finance Consumer Discount Co. VS. Michael Earl Barefoo(et al.) Case Number 2014-6489 SHERIFF'S RETURN OF SERVICE 11/13/2014 05:58 PM - Deputy Christopher Sharpe, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Barbara Barefoot, Wife, who accepted as "Adult Person in Charge' for Michael Earl Barefoot at 18 South Ridge Road, South Middleton Township, Boiling Springs, PA 17007. CH SHARPE, DEPUTY 11/13/2014 05:58 PM - Deputy Christopher Sharpe, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "perounaUy''handing a true copy to a person representing themselves to be the Defendant, to wit: Barbara Jo Barefoot at 18 South Ridge Road, South Middleton Township, Boiling Springs, PA 17007. SHERIFF COST: $50J8 SO ANSWERS, November 14, 2014 RONK R ANDERSON, SHERIFF (c) CounlySuile Sheriff: Teleosoft, Inc. McCABE, WEISBERG AND CONWAY, P.C. Attorneys for Plaintiff BY: TERRENCE J. McCABE, ESQUIRE - ID # 16496 MARC S. WEISBERG, ESQUIRE - ID # 17616 EDWARD D. CONWAY, ESQUIRE - ID # 34687 MARGARET GAIRO, ESQUIRE - ID # 34419 ANDREW L. MARKOWITZ, ESQUIRE - ID # 28009 r HEIDI R. SPIVAK, ESQUIRE - ID # 74770 MARISA J. COHEN, ESQUIRE - ID # 87830 CHRISTINE L. GRAHAM, ESQUIRE - ID # 309480 BRIAN T. LAMANNA, ESQUIRE - ID # 310321 ANN E. SWARTZ, ESQUIRE - ID # 201926 JOSEPH F. RIGA, ESQUIRE - ID # 57716 JOSEPH I. FOLEY, ESQUIRE - ID # 314675 CELINE P. DERKRIKORIAN, ESQUIRE - ID #313673 LENA KRAVETS, ESQUIRE - ID # 316421 CAROL A. DiPRINZIO, ESQUIRE - ID # 316094 123 South Broad Street, Suite 1400 Philadelphia, Pennsylvania 19109 (215) 790-1010 Household Finance Consumer Discount Company Plaintiff v. Michael Earl Barefoot and Barbara Jo Barefoot Defendants i r;OT NTIU iiDFC 18 t I M 3: G5 CUMBERL,�ND COU I PFNNSYLVANIP, CUMBERLAND COUNTY COURT OF COMMON PLEAS Number 14-6489 ASSESSMENT OF DAMAGES AND ENTRY OF JUDGMENT TO THE PROTHONOTARY: Kindly enter judgment by default in favor of Plaintiff and against Defendants, Michael Earl Barefoot and Barbara Jo Barefoot, in the above -captioned matter for failure to answer Complaint as required by Pennsylvania Rules of Civil Procedure, and assess damages as follows: Amount Due $ 161,563.68 Interest from 10/22/14 to 12/16/14 $ 1,794.30 Total Date: 1 2. $ 163,357.98 McCABE, WEISBERG & CONWAY, P.C. BY: [ ] Terrence J. McCabe, Esq. [ ] Edward D. Conway, Esq. [ ] Andrew L. Markowitz, Esq. [ ] Marisa J. Cohen, Esq. [ ] Brian T. LaManna, Esq. [ ] Joseph F. Riga, Esq. [ ] Celine P. DerKrikorian, Esq. [ ] Carol A. DiPrinzio, Esq. Attorneys for Plaintiff ] S. ' - isberg, Esq. ] Margaret Gairo, Esq. ChHCh idi R. Spivak, Esq. ristine L. Graham, Esq. ] Ann E. Swartz, Esq. 1 Joseph I. Foley, Esq. 1 Lena Kravets, Esq. AND NOW, this I5day of ---j e Y, 2014, Judgment is entered in favor of Plaintiff, Household Finance Consumer Discount Company, and against Defendants, Michael Earl Barefoot and Barbara Jo Barefoot, in rem only and not in personam, and damages are assessed in the amount of $163,357.98, plus interest and costs. BYHE PRCTHONRY: 4 I(o.5o Pr) wTr1 era304By 14tee mailed McCABE, WEISBERG AND CONWAY, P.C. Attorneys for Plaintiff BY: TERRENCE J. McCABE; ESQUIRE - ID # 16496 MARC S. WEISBERG, ESQUIRE - ID # 17616 EDWARD D. CONWAY, ESQUIRE - ID # 34687 MARGARET GAIRO, ESQUIRE - ID # 34419 ANDREW L. MARKOWITZ, ESQUIRE - ID # 28009 HEIDI R. SPIVAK, ESQUIRE - ID # 74770 MARISA J. COHEN, ESQUIRE - ID # 87830 CHRISTINE L. GRAHAM, ESQUIRE - ID # 309480 BRIAN T. LAMANNA, ESQUIRE - ID # 310321 ANN E. SWARTZ, ESQUIRE - ID # 201926 JOSEPH F. RIGA, ESQUIRE - ID # 57716 JOSEPH I. FOLEY, ESQUIRE - ID # 314675 CELINE P. DERKRIKORIAN, ESQUIRE - ID # 313673 LENA KRAVETS, ESQUIRE - ID # 316421 CAROL A. DiPRINZIO, ESQUIRE - ID # 316094 123 South Broad Street, Suite 1400 Philadelphia, Pennsylvania 19109 (215) 790-1010 Household Finance Consumer Discount Company Plaintiff v. Michael Earl Barefoot and Barbara Jo Barefoot Defendants CUMBERLAND COUNTY COURT OF COMMON PLEAS Number 14-6489 AFFIDAVIT AS TO MILITARY SERVICE Hillary Whitmore, being of lawful age and being first duly sworn on oath, states and deposes as follows: 1. I am a at McCabe, Weisberg & Conway, P.C. 2. On the Sixteenth day of December, 2014, I personally conducted an online search through the Department of Defense Manpower Data Center at https://www.dmdc.osd.mil/scra/owa/home, which indicated that the Defendants, Michael Earl Barefoot and Barbara Jo Barefoot, were not in the military service of the United States as of the date I conducted the search. A true and accurate copy of the printout of the online search results from the Department of Defense Manpower Data Center is attached hereto. 3. To my knowledge, defendants, Michael Earl Barefoot and Barbara Jo Barefoot, are not infants or incompetent. I affirm, under the penalties for perjury, that the foregoing representations are true. SWORN AND SUBSCRIBED BEFORE ME THIS 1‘4‘.. DAY OF ��- `-- , 2014 7:4 4:1 NOTARY PUBLIC B 7(140 P•ii. Name: Hillary Amore Date: 21 /(,// 4 COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL DEAN R. JACOBS, JR., Notary Public City of Philerfe!oh a, P;NIa. County My t n'mission Expires June 27, 2017 1 McCABE, WEISBERG AND CONWAY, P.C. Attorneys for Plaintiff BY: TERRENCE J. McCABE, ESQUIRE - ID # 16496 MARC S. WEISBERG, ESQUIRE - ID # 17616 EDWARD D. CONWAY, ESQUIRE - ID # 34687 MARGARET GAIRO, ESQUIRE - ID # 34419 ANDREW L. MARKOWITZ, ESQUIRE - ID # 28009 HEIDI R. SPIVAK, ESQUIRE - ID # 74770 MARISA J. COHEN, ESQUIRE - ID # 87830 CHRISTINE L. GRAHAM, ESQUIRE - ID # 309480 BRIAN T. LAMANNA, ESQUIRE - ID # 310321 ANN E. SWARTZ, ESQUIRE - ID # 201926 JOSEPH F. RIGA, ESQUIRE - ID # 57716 JOSEPH I. FOLEY, ESQUIRE - ID # 314675 CELINE P. DERKRIKORIAN, ESQUIRE - ID # 313673 LENA KRAVETS, ESQUIRE - ID # 316421 CAROL A. DiPRINZIO, ESQUIRE - ID # 316094 123 South Broad Street, Suite 1400 Philadelphia, Pennsylvania 19109 (215) 790-1010 Household Finance Consumer Discount Company Plaintiff v. Michael Earl Barefoot and. Barbara Jo Barefoot Defendants COURT OF COMMON PLEAS CUMBERLAND COUNTY Number 14-6489 AFFIDAVIT OF LAST -KNOWN MAILING ADDRESS OF DEFENDANTS COMMONWEALTH OF PENNSYLVANIA: COUNTY OF PHILADELPHIA: The undersigned attorney for the Plaintiff in the within matter, being duly sworn according to law, hereby deposes and says that the last -known mailing addresses of the Defendants are: Michael Earl Barefoot 18 South Ridge Road Boiling Springs, Pennsylvania 17007 SWORN AND SUBSCRIBED BEFORE ME THIS 11-* DAY OF , 2014 NOTARY PUBLIC 1 COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL DEAN R. JACOBS, JR., Notary Public City of Philadelphia, Phila. County My Commission Expires June 27, 2017 SS. Date: ( Z McCABE, WEISBERG & CONWAY, P.C. BY: (-) Barbara Jo Barefoot 18 South Ridge Road Boiling Springs, Pennsylvania 17007 [ ] Terrence J. McCabe, Esq. [ ] Edward D. Conway, Esq. [ ] Andrew L. Markowitz, Esq. [ ] Marisa J. Cohen, Esq. [ ] Brian T. LaManna, Esq. [ ] Joseph F. Riga, Esq. [ ] Celine P. DerKrikorian, Esq. [ ] Carol A. DiPrinzio, Esq. Attorneys for Plaintiff [ rc S. Weisberg, Esq. garet Gairo, Esq. eidi R. Spivak, Esq. [.i] Christine L. Graham, Esq. [ ] Ann E. Swartz, Esq. [ ] Joseph I. Foley, Esq. [ ] Lena Kravets, Esq. McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE - ID # 16496 MARC S. WEISBERG, ESQUIRE - ID # 17616 EDWARD D. CONWAY, ESQUIRE - ID # 34687 MARGARET GAIRO, ESQUIRE - ID # 34419 ANDREW L. MARKOWITZ, ESQUIRE - ID # 28009 HEIDI R. SPIVAK, ESQUIRE - ID # 74770 MARISA J. COHEN, ESQUIRE - ID # 87830 CHRISTINE L. GRAHAM, ESQUIRE - ID # 309480 BRIAN T. LAMANNA, ESQUIRE - ID # 310321 ANN E. SWARTZ, ESQUIRE - ID # 201926 JOSEPH F. RIGA, ESQUIRE - ID # 57716 JOSEPH I. FOLEY, ESQUIRE - ID # 314675 CELINE P. DERKRIKORIAN, ESQUIRE - ID # 313673 LENA KRAVETS, ESQUIRE - ID # 316421 CAROL A. DiPRINZIO, ESQUIRE - ID # 316094 123 South Broad Street, Suite 1400 Philadelphia, Pennsylvania 19109 (215) 790-1010 Household Finance Consumer Discount Company Plaintiff v. Michael Earl Barefoot and Barbara Jo Barefoot Defendants Attorneys for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS Number 14-6489 CERTIFICATION The undersigned hereby certifies that he/she is the attorney for Plaintiff, being duly sworn according to law, deposes and says that a letter was deposited in the United States Mail notifying the Defendants that judgment would be entered against him/her/them within ten (10) days from the date of said letter in accordance with Rule 237.5 of the Pennsylvania Rules of Civil Procedure. Copies of said letters are attached hereto and marked as Exhibit "A". SWORN AND SUBSCRIBED BEFORE ME THIS 1GK- DAY OF , 2014 NOTARY PUBL COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL DEAN R. JACOBS, JR., Notary Public City of Philadelphia, Phila. County My Commission Expires June 27, 2017 Date: /77/0(// (l McCA EE, WEISBERG & CONWAY, P.C. BY: [ ] Terrence J. McCabe, Esq. [ ] Edward D. Conway, Esq. [ ] Andrew L. Markowitz, Esq. [ ] Marisa J. Cohen, Esq. [ ] Brian T. LaManna, Esq. [ ] Joseph F. Riga, Esq. [ ] Celine P. DerKrikorian, Esq. [ ] Carol A. DiPrinzio, Esq. Attorneys for Plaintiff arc S. Weisberg, Esq. argaret Gairo, Esq. [ ] eidi R. Spivak, Esq. [ Christine L. Graham, Esq. [ ] Ann E. Swartz, Esq. [ ] Joseph I. Foley, Esq. [ ] Lena Kravets, Esq. VERIFICATION The undersigned attorney hereby certifies that he/she is the Attorney for the Plaintiff in the within action, and that he/she is authorized to make this verification and that the foregoing facts based on the information from the Plaintiffs representative, who is out of jurisdiction and not available to sign this verification at this time, are true and correct to the best of his/her knowledge, information and belief and further states that false statements herein are made subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsification to authorities. McCABE, WEISBERG & CONWAY, P.C. BY: [ ] Terrence J. McCabe, Esq. [ ] Edward D. Conway, Esq. [ ] Andrew L. Markowitz, Esq. [ ] Marisa J. Cohen, Esq. [ ] Brian T. LaManna, Esq. [ ] Joseph F. Riga, Esq. [ ] Celine P. DerKrikorian, Esq. [ ] Carol A. DiPrinzio, Esq. Attorneys for Plaintiff [ [ [ [ [ arc . Weisberg, Esq. Margaret Gairo, Esq. eidi R. Spivak, Esq. Christine L. Graham, Esq. ] Ann E. Swartz, Esq. ] Joseph I. Foley, Esq. ] Lena Kravets, Esq. Household Finance Consumer Discount Company v. Michael Earl Barefoot and Barbara Jo Barefoot Cumberland County; Number: 14-6489 Curt Long Prothonotary OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Courthouse, Carlisle, Pennsylvania 17013 December 5, 2014 To: Michael Earl Barefoot 18 South Ridge Road Boiling Springs, Pennsylvania 17007 Household Finance Consumer Discount Company vs. Michael Earl Barefoot Barbara Jo Barefoot Cumberland County Court of Common Pleas Number 14-6489 NOTICE PURSUANT TO RULE 237.5 NOTICE OF INTENTION TO FILE PRAECIPE TO ENTER JUDGMENT BY DEFAULT IMPORTANT NOTICE You ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. 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 HIREA LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 South Bedford Street Carlisle, Pennsylvania 17013 (800) 990-9108 mjs NOTIFICACION IMPORTANTE USTED SE ENCUENTRA EN ESTADO DE REBELDIA POR NO HABER PRESENTADO UNA COMPARECENCIA ESCRITA, YA SEA PERSONALMENTE 0 POR ABOGADO Y POR NO HABER RADICADO POR ESCRITO CON ESTE TRIBUNAL SUS DEFENSAS U OBJECIONES A LOS RECLAMOS FORMULADOS EN CONTRA SUMO. AL NO TOMAR LA ACCION DEBIDA DENTRO DE DIEZ (10) DIAS DE LA FECHA DE ESTA NOTIFICACION, EL TRIBUNAL PODRA, SIN NECESIDAD DE COMPARECER USTED EN CORTE U OIR PREUBA ALGIJNA, DICTAR SENTENCIA EN SU CONTRA Y USTED PODRIA PERDER BIENES U OTROS DERECHOSIMPORTANTES. USTED LE DEBE TOMAR ESTE PAPEL A SU ABOGADO 1NMEDIATAMENTE. SI USTED NO TIENE A UN ABOGADO, VA A 0 TELEFONEA LA OFICINA EXPUSO ABAJO. ESTA OFICINA LO PUEDE PROPORCIONAR CON INFORMACION ACERCA DE EMPLEAR A UN ABOGADO. SI USTED NO PUEDE PROPORCIONAR PARA EMPLEAR UN ABOGADO, ESTA OFICINA PUEDE SER CAPAZ DE PROPORCIONARLO CON INFORMACION ACERCA DE LAS AGENCIAS QUE PUEDEN OFRECER LOS SERVICIOS LEGALES A PERSONAS ELEGIBLES EN UN HONORARIO REDUCIDO NI NINGON HONORARIO. Cumberland County Bar Association 32 South Bedford Street Carlisle, Pennsylvania 17013 (800) 990-9108 McCABE, WEISBERG AND CONWAY, P.C. BY: -- ,%74. [ ] Terrence J. McCabe, Esquire [ ] Edward D. Conway, Esquire [ ] Andrew L. Markowitz, Esquire [ ] Marisa J. Cohen, Esquire [ ] Brian T. LaManna, Esquire [ ] Joseph F. Riga, Esquire [ ] Celine P. DerKrikorian, Esquire [ j Carol A. DiPrinzio, Esquire Attorneys for Plaintiff [._]-Marc S. Weisberg, Esquire [ ] Margaret Gairo, Esquire [ ] Heidi R. Spivak, Esquire [ ] Christine L. Graham, Esquire [ ] Ann E. Swartz, Esquire [ ] Joseph I. Foley, Esquire [ ] Lena Kravets, Esquire -Exh�b�t 14-103001 Curt Long Prothonotary OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Courthouse, Carlisle, Pennsylvania 17013 December 5, 2014 To: Barbara Jo Barefoot 18 South Ridge Road Boiling Springs, Pennsylvania 17007 Household Finance Consumer Discount Company vs. Michael Earl Barefoot Barbara Jo Barefoot Cumberland County Court of Common Pleas Number 14-6489 NOTICE PURSUANT TO RULE 237.5 NOTICE OF INTENTION TO FILE PRAECIPE TO ENTER JUDGMENT BY DEFAULT IMPORTANT NOTICE You ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS, 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. Cumberland County Bar Association 32 South Bedford Street Carlisle, Pennsylvania 17013 (800) 990-9108 mjs NOTIFICACION IMPORTANTE USTED SE ENCUENTRA EN ESTADO DE REBELDIA POR NO HABER PRESENTADO UNA COMPARECENCIA ESCRITA, YA SEA PERSONALMENTE 0 POR ABOGADO Y POR NO HABER RADICADO POR ESCRITO CON ESTE TRIBUNAL SUS DEFENSAS U OBJECIONES A LOS RECLAMOS FORMUI.ADOS EN CONTRA SUMO, AL NO TOMAR LA ACCION DEBIDA DENTRO DE DIEZ (10) DIAS DE LA FECHA DE ESTA NOTIFICACION, EL TRIBUNAL PODRA, SIN NECESIDAD DE COMPARECER USTED EN CORTE U OIR PREUBA ALGUNA,DICTAR SENTENCIA EN SU CONTRA Y USTED PODRIA PERDER B IENES U OTROS DERECHOS IMPORTANTES. USTED LE DEBE TOMAR ESTE PAPEL A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE A UN ABOGADO, VA A 0 TELEFONEA LA OFICINA EXPUSO ABAJO. ESTA OFICINA LO PUEDE PROPORCIONAR CON INFORMACION ACERCA DE EMPLEAR A UN ABOGADO. SI USTED NO PUEDE PROPORCIONAR PARA EMPLEAR UN ABOGADO, ESTA OFICINA PUEDE SER CAPAZ DE PROPORCIONARLO CON INFORMACI6N ACERCA DE LAS AGENCIAS QUE PUEDEN OFRECER LOS SERVICIOS LEGALES A PERSONAS ELEGIBLES EN UN HONORARIO REDUCIDO NI NINGCJN HONORARIO. Cumberland County Bar Association 32 South Bedford Street Carlisle, Pennsylvania 17013 (800) 990-9108 McCABE, WEISBERG AND CONWAY, P.C. BY: [ ] Terrence J. McCabe, Esquire [ ] Edward D. Conway, Esquire [ ] Andrew L. Markowitz, Esquire [ ] Marisa J. Cohen, Esquire [ ] Brian T. LaManna, Esquire [ ] Joseph F. Riga, Esquire [ ] Celine P. DerKrikorian, Esquire [ ] Carol A. DiPrinzio, Esquire Attorneys for Plaintiff [,...1 -Mare S. Weisberg; Esquire [ ] Margaret Gairo, Esquire [ ] Heidi R. Spivak, Esquire [ ] Christine L. Graham, Esquire [ ] Ann E. Swartz, Esquire [ ] Joseph I. Foley, Esquire [ ] Lena Kravets, Esquire 14-103001 Department of Defense Manpower Data Center Status Report Pursuant to Servicemermbcrs Civil Relief Act Last Name: BAREFOOT First Name: BARBARA Middle Name: Active Duty Status As Of: Dec -16-2014 Results as of : Dec -16-2014 06:55:04 AM SCRA 3.0 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA .'" ' - - • '-- — r Noy _ NA This response reflects the indivlduals' active duty status based on the Active Duty Status Date Left Active Duty Within 367 Das of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA , NA — .. — No ! - i NA Thls response reflects Where the individual left -active duty'status within 367 days preceding the Active Duty Status Date " L �I The Member or 1-lis/Her Unit Was Noticed of a Future Call -Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA 4 .. NA - - .Nf' NA This response reflects whether the individual or his/her unit has received early notification to report for active duty ;-- Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. Mary M. Snavely -Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL: http://www.defenselink.mil/faq/pis/PCO9SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 521(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: F0J39A4EA1709C0 Department of Defense Manpower Data Center Status Report Pursuant to Servicemembers C vii Relief Act. Last Name: BAREFOOT First Name: MICHAEL Middle Name: Active Duty Status As Of: Dec -16-2014 Results as of : Dec -16-2014 06:55:08 AM SCRA 3.0 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA» .. - -- --- Nom NA This response This response reflects the individuals' active duty status based on the Active Duty Status Date • 1 it t 'r • R• . Left Active Duty Within 367 Das of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA r NA ' - ,. Nor 1 1 NA This response reflects where the individual left active duty—status within 367 days preceding the Active Duty Status Date III The Member or His/Her Unit Was Notified of a Future Call -Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA NA f. i �No4 'I NA This response reflects whether the individual or his/her unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. Mary M. Snavely -Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL: http://www.defenselink.mil/faq/pis/PC09SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 521(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARS), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: KOD36AAEH170XDO OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Courthouse Carlisle, Pennsylvania 17013 Prothonotary To: Michael Earl Barefoot 18 South Ridge Road Boiling Springs, Pennsylvania 17007 Household Finance Consumer Discount Company Plaintiff v. Michael Earl Barefoot and Barbara Jo Barefoot Defendants COURT OF COMMON PLEAS CUMBERLAND COUNTY No. 14-6489 NOTICE Pursuant to Rule 236, you are hereby notified that a JUDGMENT ha\been e eyed in t,; above proceed' as indicated below. X Judgment by Default Money Judgment Judgment in Replevin Judgment for Possession If you have any questions concerning this Judgment, please call McCabe, Weisberg and Conway, P.C. at (215) 790-1010. Prothotap; ajii3/#1 OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Courthouse Carlisle, Pennsylvania 17013 Prothonotary To: Barbara Jo Barefoot 18 South Ridge Road Boiling Springs, Pennsylvania 17007 Household Finance Consumer Discount Company Plaintiff v. Michael Earl Barefoot and Barbara Jo Barefoot Defendants COURT OF COMMON PLEAS CUMBERLAND COUNTY No. 14-6489 NOTICE Pursuant to Rule 236, you are hereby notified that a JUDGMENT has been entered in the above proceeding as indicated below. Prothonotary X Judgment by Default 00 1 Money Judgment Judgment in Replevin Judgment for Possession If you have any questions concerning this Judgment, please call McCabe, Weisberg and Conway, P.C. at (215) 790-1010. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Household Finance Consumer Discount Company FILE NO.: 14-6489 Civil Term v. AMOUNT DUE: $163,357.98 Michael Earl Barefoot and Barbara Jo Barefoot INTEREST: from 12/17/14 $4,537.65 at $26.85 ATTY'S COMM.: COSTS: TO THE PROTHONOTARY OF SAID COURT: The undersigned hereby certifies that the below does not arise out of a retail installment sale, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. PRAECIPE FOR EXECUTION Issue writ or execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs upon the following described property of the defendant(s) 18 South Ridge Road, Boiling Springs, Pennsylvania 17007 (More fully described as attached) PRAECIPE FOR ATTACHMENT EXECUTION Issue writ of attachment to the Sheriff of CUMBERLAND County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s). (Indicate) Index this writ against the garnishee(s) as a lis pendens against real estate of the defendant(s) described in the attached exhibit. DATE: M BY: [ ] Terrenc- . McCabe, Esq. [ ] Edwar, D. Conway, Esq. [ ] Andrew L. Markowitz, Esq. [ ] Marisa J. Cohen, Esq. [ ] Brian T. LaManna, Esq. [ ] Joseph F. Riga, Esq. [ ] Celine P. DerKrikorian, Esq. [ ] Carol A. DiPrinzio, Esq. Attorneys for Plaintiff BERG & AY, P.C. ] Marc S. Weisberg, Esq. et Gairo, Esq. [ ] Heidi R. Spivak, Esq. [ ] Christine L. Graham, Esq. [ ] Ann E. Swartz, Esq. [f!i] Joseph I. Foley, Esq. [ ] Lena Kravets, Esq. Mtij9$,56 d".) eL IIp . St, ct �t Address:123 S. Broad Street, Suite 1400 Philadelphia, PA 19109 Attorney for: Plaintiff Telephone: (215) 790 1010 $,QsS , Supreme ID No. f/ 8151ons eti‘i gww9 LEGAL DESCRIPTION All that certain tract of land situate in the Village of Boiling Spring, South Middleton Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows: Beginning at a point in the center line of a public highway sometimes known as Middlesex Road or Ridge Road, in the dividing line between Lots Nos. 5 and 4 on the hereinafter mentioned Plan of Lotsl thence by the center line of said highway, North 01 degree 05 minutes West 100 feet to a point in the dividing line between Lots Nos 5 and 6 on said plan; thence by said dividing line North 88 degrees 55 minutes East 259 feet to a point; thence South 02 degrees 00 minutes East 100 feet to the dividing line between Lots Nos 5 and 4; thence by the same, South 88 degrees 55 minutes West 259 feet to the center line of the first mentioned public road, the place of beginning. Being Lot No. 5 of revised Plan "A" , a oplan of lots of Boiling Springs Development Corporation, formerly Sunni-Glo Gardens, now Allenberry Hill, which Plan was filed of record on Ovtober 20, 1964, in the Office of the Recorder of Deeds in and for Cumberland County in Plan Book 16, Page 7. Premises: 18 South Ridge Road, Boiling Springs, Pennsylvania 17007. BEING the same premises which Steven J McCosh and Leslie A McCosh, husband and wife by deed dated June 9, 1995 and recorded July 28, 1995 in Deed Book 125, Page 881, granted and conveyed unto Michael Earl Barefoot and Barbara Jo Barefoot, husband and wife. TAX MAP PARCEL NUMBER: 40-29-2482-095 McCABE, WEISBERG & CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE - ID # 16496 MARC S. WEISBERG, ESQUIRE - ID # 17616 EDWARD D. CONWAY, ESQUIRE - ID # 34687 MARGARET GAIRO, ESQUIRE - ID # 34419 ANDREW L. MARKOWITZ, ESQUIRE - ID # 28009 HEIDI R. SPIVAK, ESQUIRE - ID # 74770 MARISA J. COHEN, ESQUIRE - ID # 87830 CHRISTINE L. GRAHAM, ESQUIRE - ID # 309480 BRIAN T. LAMANNA, ESQUIRE - ID # 310321 ANN E. SWARTZ, ESQUIRE - ID # 201926 JOSEPH F. RIGA, ESQUIRE - ID # 57716 JOSEPH I. FOLEY, ESQUIRE - ID # 314675 CELINE P. DERKRIKORIAN, ESQUIRE - ID # 313673 LENA KRAVETS, ESQUIRE - ID # 316421 CAROL A. DiPRINZIO, ESQUIRE - ID # 316094 123 South Broad Street, Suite 1400 Philadelphia, Pennsylvania 19109 (215) 790-1010 Household Finance Consumer Discount Company Plaintiff v. Michael Earl Barefoot and Barbara Jo Barefoot Defendants Attorneys for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS NO: 14-6489 AFFIDAVIT PURSUANT TO RULE 3129.1 The undersigned, attorney for Plaintiff in the above action, sets forth the following information concerning the real property located at: 18 South Ridge Road, Boiling Springs, Pennsylvania 17007, as of the date the Praecipe for the Writ of Execution was filed. A copy of the description of said property being attached hereto. 1. Name and address of Owner or Reputed Owner Name Address Michael Earl Barefoot Barbara Jo Barefoot 2. Name and address of Defendants in the judgment: 18 South Ridge Road Boiling Springs, Pennsylvania 17007 18 South Ridge Road Boiling Springs, Pennsylvania 17007 Name Address Michael Earl Barefoot 18 South Ridge Road Boiling Springs, Pennsylvania 17007 Barbara Jo Barefoot 18 South Ridge Road Boiling Springs, Pennsylvania 17007 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address Plaintiff herein HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY 5106H Jonestown Rd Harrisburg PA 17112 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff herein HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY 5. Name and address of every other person who has any record lien on the property: 5106H Jonestown Rd Harrisburg PA 17112 Name Address None 6. Name and address of every other person who has any record interest in the property which may be affected by the sale: Name Address None 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Address Tenants/Occupants 18 South Ridge Road Boiling Springs, Pennsylvania 17007 Commonwealth of Pennsylvania Department of Public Welfare Bureau of Child Support Enforcement P.O. Box 2675 Harrisburg, PA 17105 ATTN: Dan Richard Commonwealth of Pennsylvania Inheritance Tax Office Commonwealth of Pennsylvania Bureau of Individual Tax Inheritance Tax Division Department of Public Welfare TPL Casualty Unit Estate Recovery Program PA Department of Revenue PA Department of Revenue Bureau of Compliance Lien Section 110 North 8th Street Suite #204 Philadelphia, PA 19107 6th Floor, Strawberry Square Department #280601 Harrisburg, PA 17128 Willow Oak Building P.O. Box 8486 Harrisburg, PA 17105-8486 Bureau of Compliance P.O. Box 281230 Harrisburg, PA 17128-1230 PO BOX 280948 Harrisburg PA 17128-0948 Commonwealth of Pennsylvania Clearance Support Department 281230 Department of Revenue Bureau of Harrisburg, PA 17128-1230 Compliance ATTN: Sheriff's Sales United States of America Internal Revenue Service Technical Support Group William Green Federal Building Room 3259 600 Arch Street Philadelphia, PA 19106 Domestic Relations P.O. Box 320 Cumberland County Carlisle, PA 17013 Tax Claim Bureau 1 Courthouse Square Carlise, PA 17013 Commonwealth of PA Department of Revenue United States of America Bureau of Compliance Department 280946 Harrisburg, PA 17128-0946 Attn: Sheriffs Sales c/o United States Attorney for the Middle District of PA Harrisburg Federal Building & Courthouse 228 Walnut Street, Ste. 220 Harrisburg, PA 17108-1754 United States of America c/o Atty General of the United States United States of America c/o Atty General of the United States U.S. Dept of Justice, Room 5111 950 Pennsylvania Avenue NW Washington, DC 20530-0001 U.S. Dept of Justice, Room 4400 950 Pennsylvania Avenue NW Washington, DC 20530-0001 8. Name and address of Attorney of record: Name Address None I verify that the statements made in this Affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. [ ] Ter - • ce J. McCabe, Esq. [ ] . ' and D. Conway, Esq. [ ] Andrew L. Markowitz, Esq. [ ] Marisa J. Cohen, Esq. [ ] Brian T. LaManna, Esq. [ ] Joseph F. Riga, Esq. [ ] Celine P. DerKrikorian, Esq. [ ] Carol A. DiPrinzio, Esq. Attorneys for Plaintiff AY, P.C. ] Marr S Weisberg, Esq. [ ] Marget Gairo, Esq. [ ] Heidi R. Spivak, Esq. [ ] Christine L. Graham, Esq. [ ] Ann E. Swartz, Esq. [ .']Joseph I. Foley, Esq. ] Lena Kravets, Esq. Household Finance Consumer Discount Company v. Michael Earl Barefoot and Barbara Jo Barefoot Cumberland County; Number: 14-6489 McCABE, WEISBERG & CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE - ID # 16496 MARC S. WEISBERG, ESQUIRE - ID # 17616 EDWARD D. CONWAY, ESQUIRE - ID # 34687 MARGARET GAIRO, ESQUIRE - ID # 34419 ANDREW L. MARKOWITZ, ESQUIRE - ID # 28009 HEIDI R. SPIVAK, ESQUIRE - ID # 74770 MARISA J. COHEN, ESQUIRE - ID # 87830 CHRISTINE L. GRAHAM, ESQUIRE - ID # 309480 BRIAN T. LAMANNA, ESQUIRE - ID # 310321 ANN E. SWARTZ, ESQUIRE - ID # 201926 JOSEPH F. RIGA, ESQUIRE - ID # 57716 JOSEPH I. FOLEY, ESQUIRE - ID # 314675 CELINE P. DERKRIKORIAN, ESQUIRE - ID # 313673 LENA KRAVETS, ESQUIRE - ID # 316421 CAROL A. DiPRINZIO, ESQUIRE - ID # 316094 123 South Broad Street, Suite 1400 Philadelphia, Pennsylvania 19109 (215) 790-1010 CIVIL ACTION LAW Household Finance Consumer Discount Company v. Michael Earl Barefoot and Barbara Jo Barefoot Attorneys for Plaintiff COURT OF COMMON PLEAS CUMBERLAND COUNTY Number 14-6489 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY Michael Earl Barefoot 18 South Ridge Road Boiling Springs, Pennsylvania 17007 Barbara Jo Barefoot 18 South Ridge Road Boiling Springs, Pennsylvania 17007 Your house (real estate) at 18 South Ridge Road, Boiling Springs, Pennsylvania 17007 is scheduled to be sold at Sheriffs Sale on June 3, 2015 at 10:00 a.m. in the Commissioner's Hearing Room located on the 2nd Floor of the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, Pennsylvania 17013 to enforce the court judgment of $163,357.98 obtained by Household Finance Consumer Discount Company against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be canceled if you pay to Household Finance Consumer Discount Company the back payments, late charges, costs, and reasonable attorney's fees due. To find out how much you must pay, you may call McCabe, Weisberg and Conway, P.C., Esquire at (215) 790-1010. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See the following notice on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling McCabe, Weisberg and Conway, P.C., Esquire at (215) 790-1010. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due on the sale. To find out if this has happened, you may call McCabe, Weisberg and Conway, P.C. at (215) 790-1010. 4. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your real estate. A schedule of distribution of the money bid for your real estate will be filed by the Sheriff within thirty (30) days of the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed schedule of distribution is wrong) are filed with the Sheriff within ten (10) days after the posting of the schedule of distribution. 7. You may also have other rights and defenses, or ways of getting your real estate back, if you act immediately after the sale. 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 32 South Bedford Street Carlisle, Pennsylvania 17013 (800) 990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 32 South Bedford Street Carlisle, Pennsylvania 17013 (800) 990-9108 LEGAL DESCRIPTION All that certain tract of land situate in the Village of Boiling Spring, South Middleton Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows: Beginning at a point in the center line of a public highway sometimes known as Middlesex Road or Ridge Road, in the dividing line between Lots Nos. 5 and 4 on the hereinafter mentioned Plan of Lotsl thence by the center line of said highway, North 01 degree 05 minutes West 100 feet to a point in the dividing line between Lots Nos 5 and 6 on said plan; thence by said dividing line North 88 degrees 55 minutes East 259 feet to a point; thence South 02 degrees 00 minutes East 100 feet to the dividing line between Lots Nos 5 and 4; thence by the same, South 88 degrees 55 minutes West 259 feet to the center line of the first mentioned public road, the place of beginning. Being Lot No. 5 of revised Plan "A" , a oplan of lots of Boiling Springs Development Corporation, formerly Sunni-Glo Gardens, now Allenberry Hill, which Plan was filed of record on Ovtober 20, 1964, in the Office of the Recorder of Deeds in and for Cumberland County in Plan Book 16, Page 7. Premises: 18 South Ridge Road, Boiling Springs, Pennsylvania 17007. BEING the same premises which Steven J McCosh and Leslie A McCosh, husband and wife by deed dated June 9, 1995 and recorded July 28, 1995 in Deed Book 125, Page 881, granted and conveyed unto Michael Earl Barefoot and Barbara Jo Barefoot, husband and wife. TAX MAP PARCEL NUMBER: 40-29-2482-095 THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PA DAVID D. BUELL, PROTHONOTARY One Courthouse Square • Suite100 • Carlisle, PA • 17013 (717) 240-6195 www.ccpa.net HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY Vs. NO 14-06489 Civil Term CIVIL ACTION — LAW MICHAEL EARL BAREFOOT AND BARBARA JO BAREFOOT WRIT OF EXECUTION TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the judgment, interest and costs in the above matter you are directed to levy upon and sell the following described property: (I) See legal description. (2) (Specifically describe personal property when judgment results from a mortgage covering both personal and real property pursuant to Section 9604(a)of the Uniform Commercial Code) NOTE: Description of property must be attached to the writ. Amount Due: $163,357.98 L.L.: $.50 Interest FROM 12/17/14 - $4,537.65 AT $26.85 Atty's Comm: Due Prothy: $2.25 Atty Paid: $211.53 Other Costs: Plaintiff Paid: Date: 1/13/2015 (Seal) David D. Buell, Prothonotary Deputy REQUESTING PARTY: Name: JOSEPH I. FOLEY, ESQUIRE Address: MCCABE, WEISBERG & CONWAY, P.C. 123 S. BROAD STREET, SUITE 1400 PHILADELPHIA, PA 19109 Attorney for: PLAINTIFF Telephone: 215-790-1010 Supreme Court ID No. 314675