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HomeMy WebLinkAbout14-6952 Supreme Ca ennsylvania COUr leas For Prothonotary Use Only: ? Docket No: QST Cts ran County N-&Kat &dTeoi The information collected on this form is used solely for court administration purposes. This.form does not supplement or replace the filing and service ofpleadings or otherpapers as required by law or rules of court. Commencement of Action: Complaint Writ of Summons ® Petition s [3Transfer from Another Jurisdiction © Declaration of Taking Lead Plaintiff's Name: Lead Defendant's Name:Bank of America N.A. Tracy R Behney;etal Dollar Amount Requested: Qwithin arbitration limits Are money damages requested? ®Yes No (check one) ©x outside arbitration limits O N Is this a Class Action Suit? ©Yes No Is this an MDJAppeal? Yes 0 No A Name of Plaintiff/Appellant's Attorney: r j t✓ `�I0 Ek yC4--i ® Check here if you have no attorney(are a Self-Represented [Pro Se] Litigant) Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your, PRIMARY CASE. If you are making more than one type of claim,check the one that you consider most important. TORT(do not include Mass Tort) CONTRACT(do not include Judgments) CIVIL APPEALS 0 Intentional © Buyer Plaintiff Administrative Agencies Malicious Prosecution Debt Collection:Credit Card 0 Board of Assessment ® Motor Vehicle 0 Debt Collection:Other Board of Elections Nuisance ❑ Dept.of Transportation © Premises Liability 13 Statutory Appeal:Other S ®Product Liability(does not include E mass tort) [3 Employment Dispute: Slander/Libel/Defamation Discrimination ® C ® Other: © Employment Dispute:Other ® Zoning Board T 0 Other: I 4 © Other: O MASS TORT M Asbestos N 0 Tobacco © Toxic Tort-DES 0 Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS p❑ Toxic Waste ❑ Ejectment ® Other: © Common Law/Statutory Arbitration B ® Eminent Domain/Condemnation ® Declaratory Judgment 13 Ground Rent Mandamus ® Landlord/Tenant Dispute Non-Domestic Relations 0 Mortgage Foreclosure:Residential Restraining Order PROFESSIONAL LIABLITY ® Mortgage Foreclosure:Commercial ®Quo Warranto ® Dental ® Partition 13 Replevin J Legal ® Quiet Title Other: ® Medical Other: ® Other Professional: Updated 11112011 UDREN LAW OFFICES,P.C. ATTORNEY FOR PLAINTIFF BY: MARK J. UDREN, ESQUIRE -ID#04302 STUART WINNEG,ESQUIRE -ID#45362 LORRAINE GAZZARA DOYLE,ESQUIRE - ID#34576 SHERRI J.BRAUNSTEIN,ESQUIRE -ID#90675 ELIZABETH L. WASSALL,ESQUIRE - ID#77788 JOHN ERIC KISHBAUGH,ESQUIRE -ID#33078 S NICOLE B. LABLETTA,ESQUIRE -ID#202194 C= DAVID NEEREN,ESQUIRE -ID#204252 = ;7 + AMANDA RAUER,ESQUIRE -ID#307028 WOODCREST CORPORATE CENTER �-<— =c' 111 WOODCREST ROAD,SUITE 200 _ CHERRY HILL,NJ 08003-3620 =C:) C_-1 C 856-669-5400 pleadings@udren.com ' e >. Bank of America, N.A COURT OF COMMON PLEAS C/O Bank of America, N.A., as successor by merger CIVIL DIVISION to BAC Home Loans Servicing,LP CUMBERLAND County 16001 North Dallas Parkway Addison,TX 75006 No. 14 - ASa Plaintiff V. MICHAEL L BEHNEY 15 WEST WINDING HILL ROAD MECHANICSBURG,PA 17055-0000 TRACY R BEHNEY 15 WEST WINDING HILL ROAD MECHANICSBURG,PA 17055-0000 hefendant(s) COMPLAINT IN MORTGAGE FORECLOSURE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by.the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. L1.5 .'75 Ph Ate' q3350-k 3 139 74 YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYERS REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle,PA 17013 (800) 990-9108 AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notification. Hace falta ascentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se dafiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (800) 990-9108 NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not.an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have.mailed to you the required information, we will then continue the collection of your debt. This law firrrj i,5 deemed to be a debt collector and this Notice and the attached document is an attempt tp cgllect a debt,and any information obtained will be used for that purpose. UDREN LAW OFFICES, P.C. /s/Mark J. Udren,Esquire Woodcrest Corporate Center 111 Woodcrest Road, Suite 200 Cherry Hill,NJ 08003-3620 (856) 669-5400 1. Plaintiff is Bank of America, N.A. Plaintiff is the legal holder of the Mortgage that is the subject of this Action. Plaintiff is either the current mortgagee of record, is the legal holder of the Mortgage by virtue of being successor in interest to the current mortgagee of record, or is the legal holder of the Mortgage by virtue of Assignment of Mortgage. If Plaintiff is the legal holder of the Mortgage by virtue of Assignment of Mortgage, it is by the following Assignments of Mortgage, all of which have either been recorded or Plaintiff is in the process of formalizing the actual Assignment of Mortgage in Plaintiffs favor: Assignor: Mortgage Electronic Registrations Systems,Inc.as nominee for EquiFirst Corporation Assignee: BAC Home Loans Servicing,LP Date of Assignment: 10/20/2009 Recorded Date: 11/18/2009 Book/Instrument#: Instrument#200938705 Page:n/a The promissory note is endorsed by Plaintiff,or endorsed in blank and Plaintiff or its agent has possession of the note. 2. Upon information and belief Defendant(s) and/or their predecessor: Michael L Behney (hereioafter"Defendants"),are the owners of property located at 15 WEST WINDING HILL ROAD,MECHANICSBURG,PA 17055-0000,by virtue of peed dated 02/09/2006 and recorded 02/15/2006 in Official Records Book 273 at Page 924 of the Public Records of Cumberland County, Pennsylvania(hereinafter the "Property"). 3. On 10/06/2008 , Defendant(s) and/or their predecessor: MICHAEL L BEHNEY TRACY R BEHNEY promised to pay to the order of Equifirst Corporation ,the principal sum of $ 170,544.00 payable with interest thereon provided in the Note. 4. By Mortgage dated 10/06/2008 , Defendant(s) and/or their predecessor: MICHAEL L BEHNEY TRACY R BEHNEY to secure the Note, mortgaged to Mortgage Electronic Registrations Systems,Inc. as nominee for EquiFirst Corporation, the Property which is the subject of this action. The Mortgage was recorded on 10/20/2008 in Official Records Book Instrument#200834506 at Page n/a. Said Mortgage is incorporated herein by referenced in accordance with Pa.R.C.P 1019(g). A legal description of the mortgage.premises is attached hereto and made a part hereof. 5. Said mortgage is in default in that the payment due 04/01/2010, and all subsequent payments have not been made, and by its terms, upon.breach and failure to cure said breach after notice, all sums secured by said Mortgage, together with the other charges authorized by said Mortgage and itemized below, shall be immediately due. 6. After demand,the Defendant(s)continues to fail or refused to comply with the terms of the Mortgage as follows: (a) By failing or refusing to pay the installments of principal and interest when due in ties`'Omounts indicated below; (b) By failing or refusing to pay other charges, if any, indicated below. The following amounts are due on the said Mortgage or modification agreement as of the date stated below Unpaid Principal Balance $167, 974.32 Accumulated Interest (from 03/01/2010 to 10/31/2014) $50, 952.16 Accumulated Late Charges $658.77 Escrow=-Defi-cit/(Reserve) $16,514.48 Fee Due Advances $-149.00 PARTIAL PMT ADJ. $-1, 903.23 Grand Total $234,047.50 The above figures are calculated as of 10/31/14: The interest rate is subject to adjustment if more fully described as such in the note and mortgage. The interest rate on the subject note is at 6.50000 %. The current monthly accrual of interest on this loan is $909.86, and that sum will be added every month hereafter. 7. Breach letters have been sent to Defendant(s) in accordance with the requirements of the subject mortgage and/or The Pennsylvania Act 6 of 1974 of the Commonwealth of Pennsylvania and, if applicable, Act 91 of 1983. Copies of the breach letters are attached hereto as Exhibit "A" WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant(s) herein in the sum of$234,047.50 plus ongoing interest, costs and attorneys fees and for sale of the Mortgaged premises. UDREN JAW OFFICES, P.C. BY• ' I Eric Kishbaugh, Esquire PA ID 33078 UDREN LAW OFFICES,P.C. ATTORNEY FOR PLAINTIFF WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings @udren.coin Bank of America,N.A COURT OF COMMON PLEAS Plaintiff CIVIL DIVISION CUMBERLAND County V. MICHAEL L BEHNEY NO. 15 WEST WINDING HILL ROAD MECHANICSBURG,PA 17055-0000 TRACY R BEHNEY 15 WEST WINDING HILL ROAD MECHANICSBURG,PA 17055-0000 Defendant(s) VERIFICATION lY�c�T�olnn�� hereby states that he she is of Bank of America, N.A, Plaintiff in this matter, that /she is authorized to make this Verification, and verify that the statements made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of(E)/her knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Date: /116 IN - /*//&Z�, Name: TDo1G•,�J, Title: ,g „{-✓iie �2°s�d4'nt Company: Bank of America N.A. MJU#: 14050112 CASE#: 14050112-1 05-13-'14 15;38 FROM-ABLE ABSTRACTS T-376 P0O20/O032 F-082 IE)G Mrr A. ALL THAT CERTAIN tract or parcel of land and premises,situate,lying and being in the Township of Upper Allen, in the County of Cumberland, Commonwealth of Pennsylvania, more particularly described as follows,according to survey of Ernest J.Walker,Professional Engineer,dated February 17, 1968,to wit_ BEG11NNING at a paint in the center line of West Winding Hill,Road(Legislative Route No.21025)at the western line of lands now or formerly of 13.A.Surface,said point being 676.25 feet west by the center line of West Winding Hill Road from the intersection of the center lints of South Market Street and West Winding Hill Road;thence by the center line of said West Winding Hill Road south 69 ftmes 30 minutes West 90 feet to a point at a nail;thence by lands row or formerly of Theodore R.Trimmer and Grace 1.Trimmer,his wife,South 11 degrees 00 m.inutcs East 150 feet to a point at an iron pipe;thence by lands now or formerly of said Theodore R.'trimmer and Grace t.Trimmer,his wife,North 69 degrees 30 minutes East 90 feet to a point at an iron pin; thence by lands how or formerly of H.A.Surface North 11 degrees 00 minutes West 150 feet to a point in the center line of West Winding Hill.Road,the place of BEGMJNG. PRESORT First-Class Mail PO Box 9048 U.S.Postage and Temecula,CA 92589-9048 Fees Paid 7196 9006 9296 6453 2868 WSO 20130408-7 MICHAEL L BEHNEY 15 West Winding Hill Road Mechanicsburg, PA 17055-5173 03_1445 BLQPA2 1409108/24/2011 Exhibit A April 8,2013 Sent Certified Mail: 7196 9006 9296 6453 2868 Return Receipt Requested Account No.: - MICHAEL L BEHNEY 15 West Winding Hill Road Mechanicsburg, PA 17055-5173 NOTICE OF INTENTION TO FORECLOSE MORTGAGE Dear MICHAEL L BEHNEY, The MORTGAGE held by BANK OF AMERICA, N.A. and serviced by Bank of America, N.A. (hereinafter we, us or ours)on your property located at 15 West Winding Hill Road Mechanicsburg,PA 17055, IS IN SERIOUS DEFAULT because you have not made the monthly payments in the amounts shown below for the months of 04/01/2010 - 04/30/2013. Monthly Charges 04/01/2010 - 07/31/2012 @ $1352.82 $37,878.96 08/01/2012 - 04/30/2013 @ $1379.22 $12,412.98 Late Charges: 05/01/2012 - 07/31/2012 @ $54.11 $162.33 08/01/2012 - 02/28/2013 @ $55.16 $386.12 Other Charges: Additional Uncollected Late Charges: $0.00 Uncollected Costs: . ($171.00) Partial Payment Balance: 0.00 TOTAL DUE: $50,669.39 Late charges and other charges have also accrued to this date in the amount of $377.45. The total amount now required to cure this default, or in other words, get caught up In your payments, as of the date of this letter, is $50,669.39. You may cure this default within THIRTY(30) DAYS of the date of this letter, by paying to us the above amount of $50,669,39, plus any additional monthly payments and late charge which may fall due quring (his period. Such payment. must be made elther by cash, cashier's check, certlfled check of money order, and made at sank of America,N.A.at F.?, Pox 15222,Wilmington, DE 19886.6222. If you do not cure the default within THIRTY(30) DAYS, we intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments.If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. if the mortgage is foreclosed your mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs.If you cure the default within the thirty day period, you will not be required to pay attorneys fees. 7196 9006 9296 6453 2868 We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right to cure the•default and prevent the sale at any time up to one hour before the Sheriffs foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale [and perform any other requirements under the mortgage]. It is estimated that the earliest date that such a Sheriffs sale could be held would be'approximately six(6) months from the date of this Notice. A notice of the date of the Sheriff 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 will be by calling us at the following number: 1-800-669-4578. This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address.stated,above._..__._._.... .._ . . ,.. .._ ....... You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriffs sale,a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE 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 UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED_ BY ANY THIRD PARTY ACTING ON YOUR BEHALF. if you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year." C3 3222 BRECDISC 15352 09/24/12 IMPORTANT DISCLOSURES If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home loan with us or enter into a loan modification or other loan-assistance program. You should consult with your bankruptcy attorney or other advisor about your legal rights and options. Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication is from a debt collector. There has been a payment default or other default on your loan that could result in acceleration of all sums due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect the Noteholder's interest and rights in the property and under the note and security instrument, including any remedies thereunder (the "Default Related Services"). Bank of America, N.A. will assess fees to your.loan account for the Default Related Services, including those provided by its affiliates. A schedule of fees that may be charged to your account for Default Related Services is available at the following web address: htti)://www.bankofamerica.com/defaultfees. If you do not have internet access, please contact us at 1-800-669-6607, Monday through Thursday 8 am, - 11 p,m, Eastern, Friday 8 a,m, - 9 p.m. Eastern, Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a complete list of the default-related services you could be charged, but does not include a complete list of all fees or charges that could be assessed on your loan account. MILITARY PERSONNEL/SERVICE MEMBERS: If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at 1-877-430-5434. If you are calling from outside the U.S. please contact us at 1-817-685-6491. 7196 9006 9296 6453 2868 DIVULGACIONES IMPORTANTES Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exoneraci6n de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudaci6n, una demanda de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no est6 obligado(a) a hablar de su pr6stamo para vivienda con nosotros ni a participar en un programa de modificaci6n de pr6stamos u otro programa de asistencia para pr6stamos. Usted debe consultar con su abogado especializado en quiebras u otro asesor acerca de sus opciones y derechos legates. Bank of America, N.A., el administrador de su pr6stamo para vivienda est6 obligado por ley a informarle a usted que esta comunicaci6n proviene de un cobrador de deudas. Ma ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su pr6stamo que podria resultar en la aceleraci6n de todas las cantidades adeudadas bajo el Pagar6. Como resultado, Bank of America N.A. utilizara companias, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y Landsafe Appraisal Services, Inc., para proporcionar servicios necesarios para proteger los intereses del Titular en la propiedad y sus derechos bajo el instrumento de seguridad y el pagar6, incluyendo cualquiera de sus recursos (los "Servicios relacionados a un incumplimiento"). Bank of America, N.A. aplicar.1 cargos a la cuenta de su pr6stamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento est6 disponible en el sitio de.Internet: [hfto://www.bankofamerica.com/defaultfeesl. Si usted no tiene acceso a internet, por favor.comuniquese con nosotros al 1-800-669-6607 de lunes a jueves de 8 a. m. a 11 p. m. hora del este, viernes de 8 a. m. a 9 p, m. hora del este, s6bados de 9 a. m. a 3 p. m. hora del este. para pedir que se le envie una lista de cargos por correo. La lista de cargos contiene una lista completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lista completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su pr6stamo. PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS: Si usted o su c6nyuge es un miembro del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios significativos al personal del servicio militar que califioue, incluidas protecciones contra la ejecuci6n hipotecaria asi Como tambi6n ayuda en la tasa de inter6s. Para obtener m6s informaci6n y determinar su calificaci6n por favor Ilame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al 1-877-430-5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al 1-817-685-6491. 7196 9006 9296 6453 2868 C3_5088 OPTAVDFC 15319 09/24/2012 Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s)could work for you. Options to consider if your goal is to stay in your home rant..... Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms, Modification which may include lowering the interest rate, placing past due amounts at the end of the loan, Program(HAMP) and/or extending the term of the loan. You may be eligible for this program if you meet the following requirements: • The amount you owe on the first mortgage is equal to or less than$729,750 for a single-family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or $1,403,400 for a 4 unit property • You have documented a financial hardship and represented that you do not have sufficient liquid assets to make the monthly mortgage payments. • Your mortgage was obtained before Jan. 1,2009. • The property securing the mortgage loan has not been condemned or is not in such poor physical condition that it is not habitable even if not condemned • The mortgage is secured by a one to four unit property Loan If you can bring your loan payments up to date,we will accept the funds needed to bring the Reinstatement loan up to date until the day of your foreclosure sale. Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay off a portion of the past due amounts over time. This may include principal, interest,fees, and/or costs assessed to your loan. Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments Forbearance for a period of time,to allow you to re-establish your ability to make the required payments, Agreement Loan Modification A loan modification is a change to the original terms of your loan, Loan modifications could (non-HAMP) include lowering your interest rate,extending the term or maturity date of the loan, moving from an adjustable to a fixed-rate loan, deferring some portion of the unpaid principal balance to the end of the loan, and/or forgiving some portion of the unpaid principal balance. Partial Claim(FHA If you have a Federal Housing Administration(FHA) loan and your payments are past due I?ut loans only) y'ou'are now able to make your regular monthly mortgage paymp. program is designed to pripg your loan up to date by creating a second mortgage/lien on Our property for the-amount {hat is past due. Options to consider if you cannot or do not wish to stay in your home Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program Foreclosure (HAMP)but were unsuccessful in securing a permanent modification through the program. Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure.A Program(HAFA) short sale is a transaction in which you sell your property for less than the total amount owed on the loan(subject to agreement by your servicer/lenderfinvestor), resulting in the release of our lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a transaction in which you agree to voluntarily transfer ownership of your property to us in order to avoid foreclosure. Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth less than Pre-foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale, Sale(non-HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to borrowers who are not eligible for HAMP or other home retention alternatives. Deed in Lieu of Used as an alternative to foreclosure, with a deed in lieu of foreclosure, you transfer ownership Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total (non-HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home retention alternatives, and who were not able to sell the property through a short sale. We are here to help you. Please call us today. 7196 9006 9296 6453 2868 Hay opciones disponibles para ayudarle a Evitar la Ejecucion Hipotecaria Llame al numero que aparece en la notificaclion adjunta para obtener mas informacion Cuando Ilame, por favor tenga a la mano la informacion de sus ingresos y gastos para que podamos discutir cuales opciones podrian funcionar para usted. Opciones a considerar si su objetivo es permanecer en su casa ::t: Home-Affordable -Es un programa del gobierno federal que le permite pagar el pr6stamo•bajo-los nuevos- Modification t6rminos acordados, que pueden incluir la reducci6n de la tasa de inter6s, agregar Program(RAMP) cantidades vencidas al final del pr6stamo, y/o extender el plazo del pr6stamo. Usted puede calificar para este programa si cumple con los siguientes requisitos: • La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750 d6lares para una vivienda unifamiliar, $934,200 d6lares para una propiedad de 2 unidades, $1,129,250 d6lares para una propiedad de 3 unidades o$1,403,400 para una propiedad de 4 unidades • Usted ha documentado que atraviesa por una dificultad Financiera y declarado que no tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca. • Obtuvo su hipoteca antes del 1 de enero de 2009. • La propiedad que garantiza el pr6stamo hipotecario no ha sido condenada o no esta en malas condiciones fisicas como para no poder habitarse incluso si no est6 condenada, • La hipoteca est6 garantizada por una propiedad de una a cuatro unidades. Restablecimient Si usted puede poner al dia los pagos de su pr6stamo, aceptaremos los fondos necesarios o del Pr6stamo para que el pr6stamo est6 al dia hasty la fecha de la venta por ejecuci6n hipotecaria. Plan de Pago Un plan de.pago le permite a usted hacer sus pagos hipotecarios regulares, adem6s de pagar una porci6n de los montos vencidos a trav6s del tiempo. Esto puede incluir capital, inter6s,cargos o costos aplicados a su pr6stamo. Acuerdo Es un acuerdo en el cual aceptamos no proceder con la ejecuci6n hipotecaria y/o el cobro Temporal de de los pagos por un periodo de tiempo, para permitirle que restablezca su habilidad de Tolerancia por hacer los pagos requeridos. incumplimiento Modificacibn de Una modificaci6n del pr6stamo es un cambio en los t6rminos originales de su pr6stamo, Pr6stamo Las modificaciones podrian incluir reducir su tasa de inter6s, extender el t6rmino o la fecha (no por medio de pago del pr6stamo, cambiar de un pr6stamo de tasa de inter6s ajustable a uno de tasa de HAMP). de inter6s fija,diferir una parte del saldo del capital impagado al final del pr6stamo, y/o condonar una parte del saldo de capital impagado. Reclamo Parclgl -SI usted tiene un pr6stamo de la Administraci6n Federal de Vivianda(SNA)y Sus pagos (solamente ` eslan vencidos, peso ahora puede hacer sus pagos regulares m6r aw'ales de la hipoteca, prestamos de la este programa est9 disefSado para que su pr6stamo este al dia mediate la creacibn de FHA) urla,se9unda hipoteca/gravamen sopre su propiedad por el mgrlto qu6'esta vencido. 7196 9006 9296 6453 2866 Opciones a considerar si no puede o no desea quedarse en su casa ..................................................................:::::. Home Affordable Disenado para ayudar a los prestatarios que califican para el Programa de Home Foreclosure Affordable Modification (HAMP), pero no consiguieron obtener una modificaci6n Alternatives permanente a trav6s del programa. HAFA ofrece la posibilidad de una vents en Program(HAFA) descubierto y, si no tiene 6xito, una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria. Una venta en descubierto es una transacci6n en la que usted _ . _vend-es_u_propiedad por_menos de la cantidad adeudada.en el r6stsujeto a previo _. acuerdo de su administrador/prestamista/inversionista), resultando en la liberaci6n de nuestro derecho de retenci6n sobre su propiedad y evitar la ejecuci6n hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecuci6n hipotecaria es una transacci6n en la que usted est6 de acuerdo de transferir voluntariamente las escrituras de su propiedad a nosotros con el fin de evitar la ejecuci6n hipotecaria. Venta en Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de to que descubierto/ usted adeuda, una venta en descubierto le podria permitir vender su vivienda para pagar Venta previa a la la hipoteca. En una venta en descubierto, el prestamista acepta recibir una monto menor ejecuc16n de to que actualmente se adeuda en el pr6stamo. Se ofrece a los prestatarios que no hipotecaria(no por califican para HAMP o para otras alternativas de retenci6n de la vivienda. medio de HAFA) Escritura de Se usa como una alternative de la ejecuci6n hipotecaria. Con una escritura de traspaso traspaso de voluntario de propiedad en lugar de la.ejecuci6n hipotecaria, usted transfiere la titularidad propiedad en lugar de su vivienda y toda la propiedad que garantiza su pr6stamo hipotecario. Esto puede de la ejecuci6n hater que el monto total vencido de esa hipoteca se considere como pagado. Se ofrece a hipotecaria(no por prestatarios que no califican para HAMP u otras opciones de retenci6n de vivienda, y que medio de HAFA) no pudieron vender la propiedad a trav6s de una vents en descubierto. Estamos aqui para ayudarle. Por favor Ilamenos hoy. PRESORT First-Class Mail PO Box 9048 U.S.Postage and Temecula,CA 92589-9048 Fees Paid 7196 9006 9296 6453 2851 WSO 2013040&7 ��L�III�III��II�II���I�I��II�I�I�I��IIIIII���I����IIII��II'I�III TRACY R BEHNEY 15 West Winding Hill Road Mechanicsburg, PA 17055-5173 j C3_1445 BLQPA2 1409108/24/2011 April 8,2013 Sent Certified Mail: 7196 9006 9296 6453 2651 Return Receipt Requested Account No.: _ TRACY R BEHNEY 15 West Winding Hill Road - -- Mechanicsburg, PA 17055-5173 NOTICE OF INTENTION TO FORECLOSE MORTGAGE Dear TRACY R BEHNEY, The MORTGAGE held by BANK OF AMERICA, N.A. and serviced by Bank of America, N.A. (hereinafter we, us or ours)on your property located at 15 West Winding Hill Road Mechanicsburg,PA 17055, IS IN SERIOUS DEFAULT because you have not made the monthly payments in the amounts shown below for the months of 04/01/2010 - 04/30/2013. Monthly Charges: 04/01/2010 - 07/31/2012 @ $1352.82 $37,878.96 08/01/2012 - 04/30/2013 @ $1379.22 $12,412.98 Late Charges: 05/0112012 - 07/31/2012 @ $54.11 $162.33 08/01/2012 - 02/28/2013 @ $55.16 $386.12 Other Charges: Additional Uncollected Late Charges: $0.00 Uncollected Costs: ($171.00) Partial Payment Balance: 0.00 TOTAL'OOE: $50,569.39 Late charges and other charges have also accrued to this date In the amount of $377.45. The total amount now required to cure trals'default, or in other words, get caught up in your payments, as of the date of this letter, is $50,669.38. You may cure this default within THIRTY(30) DAYS of the Mate of this letter, by paying to us the above amount of $50,669.39, plu8 any additional monthly payments and late charge which may fall due'du llig this period. Such payment must be made either by cash, cashier's check, certlfied check or money order,,and made'at Bank pf America, N.A.at P.O. Box 15222,Wilmington, DE 19886-5222. If you do not cure the default within THIRTY(30) DAYS, we intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments.If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. if the mortgage is foreclosed your mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs.If you cure the default within the thirty day period, you will not be required to pay attorney's fees. RE 7196 9006 9296 6453 2851 We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale [and perform any other requirements under the mortgage]. It is estimated that the earliest date that such a Sheriffs sale could be held would be approximately six(6) months from the date of this Notice. A notice of the date of the Sheriff 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 will be by calling us at the following number: 1-800-6694578. This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above.. You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY.TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. [YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE 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 UNDER THE MORTGAGE ARE SATISFIED]. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure the default, the mortgage will be restored to the same position as if no default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year." C3 3222 BRECDISC 15352 09/24/12 IMPORTANT DISCLOSURES If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to discuss your home loan with us or enter into a loan modification or other loan-assistance program. You should consult with your bankruptcy attorney or other advisor about your legal rights and options. Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this communication-is from a debt collector. - --- -- - There has been a payment default or other default on your loan that could result in acceleration of all sums due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc,, to provide services required to protect the Noteholder's interest and rights in the property and under the note and security instrument, including any remedies thereunder (the "Default Related Services"). Bank of America, N.A. will assess fees to your loan account for the Default Related Services, including those provided by its affiliates. A schedule of fees that may be charged to, your account for Default Related Services is available at the following web address: htto://www.bankofamerica.com/defauItfees. If you do not have internet access, please contact us at 1-800-669-6607, Monday through Thursday 8 a.m. - 11 p.m. Eastern, Friday 8 a.m. - 9 p.m. Eastern, Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a complete list of the default-related services you could be charged, but does not include a complete list of all fees or charges that could be assessed on your loan account. MILITARY PERSONNEUSERVICEMEMBERS: If you or your spouse is a member of the military, please contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford significant protections and benefits to eligible military service personnel, including protections from foreclosure as well as interest rate relief. For additional information and to determine eligibility please contact our Military Assistance Team toll free at 1-877-430-5434. If you are calling from outside the U.S. please contact us at 1-817-685-6491. 7196 9006 9296 6453 2851 DIVULGACIONES IMPORTANTES Si .usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una exonereci6n de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudaci6n, una demanda de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no est6 obligado(a) a hablar de su pr6stamo para vivienda con nosotros ni a participar en un programa de modificaci6n de pr6stamos u otro programa de asistencia para pr6stamos. Usted debe consultar con su abogado especializado en quiebras u otro asesor acerca de sus opciones y derechos legales, Bank of America, N.A., el administrador de su pr6stamo para vivienda esta obligado por ley a informarle a usted que esta comunicaci6n proviene de un cobrador de deudas. Ha ocurrido un incumplimiento de pago u otro tipo de incumplimiento con su pr6stamo que podria resultar eh la aceleraci6n de todas las cantidades adeudadas bajo el Pagar6. Como resultado, Bank of America N.A, utilizara companias, incluyendo sus afiliados LandSafe Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y Landsafe Appraisal Services, Inc., para proporcionar servicios necesarios para proteger los intereses del Titular en la propiedad y sus derechos bajo el instrumento de seguridad y el pagarb, incluyendo cualquiera de sus recursos (los "Servicios relacionados a un incumplimiento"). Bank of America, N.A. aplicara cargos a la cuenta de su pr6stamo por los servicios relacionados a un incumplimiento, incluyendo los servicios proporcionados por sus afiliados. Una lista de los cargos que podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento esta disponible en el sitio de Internet: [htto://www.bankofamerica.com/defaultfees]. Si usted no tiene acceso a internet, por favor comuniquese con nosotros al 1-800-669-6607 de lunes a jueves de 8 a, m. a 11 p. m. hora del este, viernes de 8 a. m. a 9 p. m. hora del este, s6bados de 9 a. m. a 3 p. m. hora del este. para pedir que se le envie una lista de cargos por correo. La lista de cargos contiene una lista completa de los servicios relacionados por incumplimiento que le podian cobrar, pero no incluye una lista completa de todos los costos y cargos que podrian ser aplicados a la cuenta de su pr6stamo. PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS: Si usted o su c6nyuge es un miembro del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil para Miembros de las Fuerzas Armadas y las [eyes estatales comparables otorgan protecciones y beneficios significativos al personal del servicio militar clue califique, incluidas protecciones contra la ejecuci6n hipotecaria asi como tambi6n ayuda en la tasa de inter6s. Para obtener mas informaci6n y determinar su calificaci6n por favor Ilame sin costo a nuestro .Equipo de Asistencia para el Servicio Militar al 1-877-430-5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al 1-817-685-6491, 7196 9006 9296 6453 2851 C3_5088 OPTAVDFC 15319 09/24/2012 Options are Available to Help You Avoid Foreclosure Call the number on the enclosed notice to learn more. When you call, please have your income and expense information available so we can discuss which option(s)could work for you. Options to consider if your goal is to stay in your home sri Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms, Modification - which may include lowering the interest rate, placing past due amounts at the end of the loan, Program (HAMP) and/or extending the term of the,loan. You may be eligible for this program if you meet the following requirements: • The amount you owe on the first mortgage is equal to or less than$729,750 for a single-family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or $1,403,400 for a 4 unit property • You have documented a financial hardship and represented that you do not have sufficient liquid assets to make the monthly mortgage payments. • Your mortgage was obtained before Jan, 1, 2009. • The property securing the mortgage loan has not been condemned or is not in such poor physical condition that it is not habitable even if not condemned • The mortgage is secured by a one to four unit property Loan If you can bring your loan payments up to date,we will accept the funds needed to bring the Reinstatement loan up to date until the day of your foreclosure sale. Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay off a portion of the past due amounts over time. This may include principal, interest,fees, and/or costs assessed to your loan. Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments Forbearance for a period of time,to allow you to re-establish your ability to make the required payments. Agreement Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could (non-HAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving from an adjustable to a fixed-rate loan, deferring some portion of the unpaid principal balance to the end of the loan, and/or forgiving some portion of the unpaid principal balance. Partial Claim(FHA If you have a Federal Housing Administration(FHA) loan and your payments are past due but loans only) you are now able to make your regular monthly mortgage payment, this program is designed to bring your loan up to date by creating a second mortgage/lien on your property for the amount that is past due. Options to consider if you cannot or do not wish to stay in your home . .....;....p : :::: ::. Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program Foreclosure (HAMP) but were unsuccessful in securing a permanent modification through the program. Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A Program(HAFA) short sale is a transaction in which you sell your property for less than the total amount owed on the loan(subject to agreement by your servicer/lender/investor), resulting in the release of our lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a transaction in which you agree to voluntarily transfer ownership of your property to us in order to avoid foreclosure. Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth less than Pre-foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale, Sale(non-HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to borrowers who are not eligible for HAMP or other home retention alternatives. Deed in Lieu of Used as an alternative to foreclosure,with a deed in lieu of foreclosure, you transfer ownership Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total (non-HAFA) amount due on that mortgage.Offered to borrowers not eligible for HAMP or other home qE+ retention alternatives, and who were not able to sell the property through a short sale. We are here to help you. Please call us today. 7196 9006 9296 6453 2851 Hay opciones disponibles para ayudarle a Evitar la Ejecucion Hipotecaria Llame al numero que aparece en la notification adjunta para obtener mos informacion Cuando Ilame, por favor tenga a la mano la informacion de sus ingresos y gastos para que podamos discutir cu6les opciones podrian funcionar para usted. Opciones a considerar si su objetivo es permanecer en su casa > :»::: h 1 ...................:...:.:: Home Affordable Es un programa del gobierno federal que le permite pagar el pr6stamo bajo los nuevos Modification t6rminos acordados, que pueden incluir la reducci6n de la tasa de inter6s, agregar Program(HAMP) cantidades vencidas al final del pr6stamo, y/o extender el plazo del pr6stamo. Usted puede calificar para este programa si cumple con los siguientes requisitos: • La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750 d6lares para una vivienda unifamiliar, $934,200 d6lares para una propiedad de 2 unidades, $1,129,250 d6lares para una propiedad de 3 u6idades o$1,403,400 para una propiedad de 4 unidades • Usted ha documentado que atraviesa por una dificultad financiera y declarado que no tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca. • Obtuvo su hipoteca antes del 1 de enero de 2009. • La propiedad que garantiza el pr6stamo hipotecario no ha sido condenada o no est6 en malas condiciones fisicas como para no poder habitarse incluso si no est6 condenada. • La hipoteca est6 garantizada por una propiedad de una a cuatro unidades. Restablecimient Si usted puede poner al dia los pagos de su pr6stamo,aceptaremos los fondos necesarios o del Prdstamo para que el pr6stamo est6 al dia hasta la fecha de la venta poi•ejecuci6n hipotecaria, Plan de Pago Un plan de pago le permite a usted hater sus pagos hipotecarios regulares, adem6s de pagar una porci6n de los montos vencidos a trav6s del tiempo. Esto puede incluir capital, inter6s, cargos o costos aplicados a su pr6stamo. Acuerdo s un acuerdo en el cual aceptamos no proceder con la e)ecucl6n hlpofecaria y/o el cobra Temporal d9 ae los pagos por un periodo de tiempo, para permitirle que restaplozOa su habilldad de Tolerancla por Nicer los pagos requeridos, Incumplimlentq14 , Modi}icacibrl ,Una modificaci6n del pr6stamo es un cambio en los t6rminos originglas de su pr6stamo, Pr6$tamo Ps modificaciones podrian incluir reducir su tasa de inter6s, extender el 16rmino o le f6che (no por medlo do pago del pr6stamo, cambiar de un pr6stamo de tasa de inter6s ajustable a uno de lase de HAMP) da inter6s fija, diferir una parte del saldo del capital impagado al final,dal pr6stamo, y/o condonar una parte del saldo de capital impagado. Reclamo Parcial Si usted tiene un pr6stamo de la Administraci6n Federal de Vivienda(FHA)y sus pagos (solamente '. ' . 'Ost6n vencidos, pero ahora puede hater sus pagos regulares mensuales de la hipoteca, prdstamos de la este programa est6 disenado para que su pr6stamo este al dia medlar ie la creaci6n de FHA) una segunda hipoteca/gravamen sobre su propiedad por el monto que est6 vencido. 7196 9006 9296 6453 2851 Opciones a considerar si no puede o no desea quedarse en su casa Home Affordable Disenado para ayudar a los prestatarios que califican para el Programa de Home Foreclosure Affordable Modification (RAMP), pero no consiguieron obtener una modificacibn Alternatives permanente a traves del programa. HAFA ofrece la posibilidad de una vents en Program(HAFA) descubierto y,si no tiene exito, una escritura de traspaso voluntario de propiedad en lugar de la ejecucibn hipotecaria. Una venta en descubierto es una transaccibn en la que usted vende su propiedad por menos de la cantidad adeudada en el prestamo (sujeto a previo acuerdo de su administrador/ prestamista/inversionista), resultando en la liberacibn de nuestro derecho de retencibn sobre su propiedad y evitar la ejecucibn hipotecaria. Una escritura de traspaso voluntario de propiedad en lugar de la ejecucibn hipotecaria es una transaccibn en la que usted este de acuerdo de transferir voluntariamente las escrituras de su propiedad a nosotros con el fin de evitar la ejecucibn hipotecaria. Venta en Si usted ya no puede hacer sus pagos hipotecanos y su vivienda vale menos de to que descubierto/ usted adeuda, una venta en descubierto le podria permitir vender su vivienda para pagar Venta previa a la la hipoteca. En una vents en descubierto, el prestamista acepta recibir una monto menor ejecucibn de to que actualmente se adeuda en el prestamo. Se ofrece a los prestatarios que no hipotecaria(no por califican para HAMP o para otras alternativas de retencibn de la vivienda. medio de HAFA) Escritura de Se usa como una alternative de la ejecucibn hipotecaria. Con una escritura de traspaso traspaso de voluntario de propiedad en lugar de la ejecucibn hipotecaria, usted transfiere la titularidad propiedad en lugar de su vivienda y toda la propiedad que garantiza su prestamo hipotecario. Esto puede de la ejecucibn hater que el monto total vencido de esa hipoteca se considere como pagado. Se ofrece a hipotecaria(no por prestatarios que no califican para HAMP u otras opciones de retencibn de vivienda, y que medio de HAFA) no pudieron vender la propiedad a traves de una venta en descubierto. Estamos aqui para ayudarle. Por favor Ilamenos hoy. FORM 1 IN THE COURT OF COMMON PLEAS OF CCUMBERLAND COUNTY, PENNSYLVANIA ��lC� Plaintiff(s) Defendant(s) Civil NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in a court-supervised conciliation conference in an effort to resolve this matter with your lender.. If you do not have a lawyer,you must take the following steps to be eligible for a.conciliation conference. First, within twenty(220)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 attache&.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:co0erence.. Itis not necessary foryou to contact NIidP.enn 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 worksb.eet 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. Respe tf ly submitted: Date Sign ture of Counsel for Plaintiff) I Eric Kishbaugh, Esquire PA ID 33078 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: CUSTOME,, IPRIMARY APPLICANT Borrower name(s): Property Address: City: State: Zip: Is the property for sale? Yes ❑ No ❑ Listing date: Price: $ Realtor Name: Realtor Phone: Borrower Occupied? Yes ❑ No ❑ Mailing Address (if different): State: Zip: City: Phone Numbers: Home: Office: Cell: Other Email: #of people in household: How long? Mailing Address: State: Zip: City: Phone Numbers: Home: Office: Cell: Other: Email: #of people in household: How long? FINANCIAL INFORMATION First Mortgage Lender: Type of Loan: Loan.Number: Date You.Closed Your Loan: Second Mortgage Lender.: Type of Loan: Loan Number: Total Mortgage Payments Amount: $ Included Taxes& Insurance: Date of Last.Payment: Primary Reason for Default: Is the loan in Bankruptcy? Yes ❑ No ❑ _.._................................................._..........................__..........__..........._........ ........._............_ .,.._......._...... If yes,provide names, location of court, case number& attorney: Assets Amount Owed: Value: Home: $ $ Other Real Estate: $ $ Retirement Funds: $ $ Investments: $ $ Checking: $ Savings: $ $ Other: $ $ Automobile#1: Model: Year: Amount owed: Value: Automobile 92: Model: Year: Amount owed: Value: Other transportation(automobiles,boats,motorcycles): Model. Year: Amount owed: Value Monthly Income Name of Employers: 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° Mortgage a Utilities Car Pa miens Cundo/N.ei h.Fees Auto Insurance Med.(not covered) Auto fuel/repairs Other prop.payment Install.Loan Payment Cable TV Child Su ort/Alim. Spending Money Da /Child Care/Tuit. Other Expenses i Amount Available for Monthly Mortgage Payments Based on Income& Expenses: Have you been working with a Housing Counseling Agency? Yes 0 No Q If yes,please provide the following information: Counseling Agency: Counselor: Phone(Office): Fax: 2 .._._........._....._..._................._..........__._.........__......__ __� Email: Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP)assistance? Yes ❑ No ❑ If yes,please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your delinquency? Yes ❑ No ❑ If yes,please indicate the status of those negotiations: Please provide the following information, if know,regarding your lender or lender's loan servicing company: Lender's Contact(Name): Phone: Servicing Company (Name): Contact: Phone: AUTHORIZATION I/We, , authorize the above named to use/refer this information to my lender/servicer for the sole purpose of evaluating my.financial situation for possible mortgage options. I/We understand that I/we am/are under no obligation to use the services provided by the above named. Borrower Signature Date Co-Borrower Signature Date Please forward this document along with the following information to lender and leader's counsel: V Proof of income Past 2 bank statements V+ Proof of any expected income for the last 45 days V Copy of a current utility bill Letter explaining reason for delinquency and any supporting documentation (hardship letter) Listing agreement(if property is currently on the market) 3 FORINT 3 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA &n1C0-rW'C(JPlaintiff(s) vs. Defendant(s) Civil. REQUEST FOR CONCILIATION CONFERENCE Pursuant to the Administrative Order dated 2012governing the Cumberland - County Residential Mortgage Foreclosure Diversion Program,the undersigned hereby certifies as follows: 1. Defendant is the owner of the real property which is the subject of this mortgage foreclosure action; 2. Defendant lives in the subject real property,which is defendant's primary residence; 3. Defendant has been served with a"Notice of Residential Mortgage Foreclosure Diversion Program"and has taken all of the steps required in that Notice to be eligible to participate in a court-supervised conciliation conference. The undersigned verifies that the statements made herein are true and correct. I understand that false statements are made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. Signature of Defendant's Counsel/Appointed Date Legal Representative Signature of Defendant Date Signature of Defendant Date UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF BY: MARK J. UDREN,ESQUIRE -ID #04302 STUART WINNEG,ESQUIRE -ID#45362 LORRAINE GAZZARA DOYLE, ESQUIRE - ID#34576 SHERRI J.BRAUNSTEIN,ESQUIRE -ID#90675 ELIZABETH L.WASSALL,ESQUIRE -ID#77788 JOHN ERIC KISHBAUGH,ESQUIRE -ID#33078 NICOLE B. LABLETTA,ESQUIRE - ID#202194 DAVID NEEREN,ESQUIRE -ID#204252 - Tn AMANDA RAVER, ESQUIRE -ID#307028 �`'` CD21 r� WOODCREST CORPORATE CENTER ' ` ' -�r 111 WOODCREST ROAD, SUITE 200 r C- CHERRY HILL,NJ 08003-3620 fw'a TM 856-669-5400 Pleadings@udren.com Bank of America,N.A COURT OF COMMON PLEAS 16001 North Dallas Parkway,Addison,TX 75006 CIVIL DIVISION Plaintiff CUMBERLAND County V. NO. i V Michael L Behney 15 WEST WINDING HILL ROAD MECHANICSBURGS PA 17055-0000 Tracy R Behney 15 WEST WINDING HILL ROAD MECHANICSBURG,PA 17055-0000 Defendant(s) ENTRY OF APPEARANCE TO THE PROTHONOTARY: Kindly enter the appearance of the following counsel: Mark J.Udren,Esquire; Stuart Winneg,Esquire;Lorraine Gazzara Doyle,Esquire; Sherri J.Braunstein,Esquire;Elizabeth L.Wassail,Esquire; John Eric Kishbaugh, Esquire;Nicole B.LaBletta,Esquire;David Neeren,Esquire,and Amanda Rauer,Esquire on behalf of the Plaintiff, in the above-captioned matter. UDREN ItAW OFFICES,P.C. BY: "'A� J. Eric Kishbaugh, Esquire PA I D 33078 UDREN LAW OFFICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Bank of America, N.A Plaintiff v. MICHAEL L BEHNEY; TRACY R BEHNEY; et al Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION rtn Cumberland County r c1 NO. 14-6952 PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Kindly reinstate the Complaint on the above -captioned matter. DATE: i UDRE FICES, P.C. BY: Attom s for P aintiff AMANDA L. RAUER. ESQUIRE PA. I . D ,. # 307028 L • Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY +1Fc1' c c rt F $145RIFF er Jf —5 141 -rEsEFLAND CLIA I PENNSYLVANIA Bank of America, N.A. vs. Michael L. Behney (et al.) Case Number 2014-6952 SHERIFF'S RETURN OF SERVICE 12/09/2014 09:00 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 "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Michael L. Behney at 15 West Winding Hill Road, Upper Allen Township, Mechanicsburg, PA 17055. RIST9FHER SHARPE, DEPUTY 12/09/2014 09:00 PM - Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Tracy R. Behney, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as "Not Found" at 15 West Winding Hill Road, Upper Allen Township, Mechanicsburg, PA 17055. Deputies were advised by co-defendant Michael Behney that the defendant no longer resides at this address. To this date December 29, 2014, the Mechanicsburg Postmaster has not been able to provide a good forwarding address. SHERIFF COST: $60.30 SO ANSWERS, December 29, 2014 (c) Cour ySuito Sheriff, Teleosoft, inc. RONNR ANDERSON, SHERIFF