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HomeMy WebLinkAbout14-7102 For Prothonotary Use Only: c, ptom a Co u rt-pf' Pe n n sir I v a n[a. "t 1,�- tN1l;�'� . "r-' ?d—T Sheet ° 'Cumt#ierland County Docket No. 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 papers as required by Imv or rules of court. Commencement of Action: ®Complaint IJ Writ of Summons 11 Petition S E 11Transfer from Another Jurisdiction 11Declaration of Taking C Lead Plaintiffs Name:LSF8 Master Participation Trust Lead Defendant's Name:Donna D.Watson T I Are there money damages requested? ❑ Yes ® No Dollar Amount Requested: ❑within arbitration limits 0 (check one) ❑outside arbitration limits N Is this a Class Action Suit? ❑ Yes ® No Is this an MDJAppeal? ❑ Yes ® No A Name of Plaintiff/Appellant's Attorney:McCabe, Weisberg&Conway,P.C. 11 Check here if you have no attorney(a Self-Represented Pro Set .Litigant) \t 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 ❑ 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 I 0 ❑Other MASS TORT N ❑Asbestos ❑Tobacco ❑Toxic Tort-DES ❑Toxic Tort-Implant MISCELLANEOUS B REAL PROPERTY ❑Toxic Waste ❑Ejectment ❑Common Law/Statutory Arbitration ❑Other: ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment ❑Ground Rent ❑ Mandamus ❑Landlord/Tenant Dispute ❑Non-Domestic Relations ®Mortgage Foreclosure:Residential Restraining Order PROFESSIONAL LIABILITY ❑ Mortgage Foreclosure:Commercial ❑Quo Warranto ❑Dental ❑ Partition ❑ Replevin ❑ Legal ❑Quiet Title ❑Other: ❑Medical ❑Other: ❑Other Professional: Updated 1/1/2011 2,: 4•r c yn,,, McCABE, WEISBERG & CONWAY, P.C. Attorneys for Plaintiff BY: TERRENCE J.McCABE,ESQUIRE -,ID# 1.6496 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 LSF8 Master Participation Trust Cumberland County c/o Caliber Home Loans, Inc.' Court of Common Pleas 13801 Wireless Way Oklahoma City, OK 73134-2500 Number q V. Donna D.Watson 263 Walnut Bottom Road Carlisle,PA 17013 COMPLAINT IN MORTGAGE FORECLOSURE s File#14-104431 C „ r5I tg/L/I 5 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 thecourt 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 continuer 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 YOU SHOULD TAKE THIS PAPER derechos importantes para usted. TO YOUR LAWYER AT ONCE. IF YOU USTED LE DEBE TOMAR ESTE DO NOT HAVE A LAWYER, GO TO OR P A P E L 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, PA 17013 REDUCIDO NI NINGUN HONORARIO. (800) 990-9108 Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (800) 990-9108 File#14-104431 Page 2 COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is LSF8 Master Participation Trust. 2. Caliber Home Loans, Inc. is acting solely in the capacity as servicer for LSF8 Master Participation Trust,Plaintiff herein. 3. The Defendant is Donna D. Watson, who is a mortgagor and real owner of the mortgaged property hereinafter described, and his/her last-known address is 263 Walnut Bottom Road, Carlisle, PA 17013. 4. On November 18, 2005, Clarence W. Watson and Donna D. Watson, mortgagors, made, executed and delivered a Mortgage upon the premises hereinafter described to Beneficial Consumer Discount Company d/b/a Beneficial Mortgage Co. of Pennsylvania which Mortgage is recorded in the Office of the Recorder of Cumberland County in Mortgage Book 1931,Page 5095'(the"Mortgage"),such Mortgage being incorporated herein by reference pursuant to Rule 1019(g)Pa. R. C. P. 5. The aforesaid Mortgage was thereafter assigned by Beneficial Consumer Discount Company d/b/a Beneficial Mortgage Co. of Pennsylvania, by Caliber Horne Loans, Inc., as attorney in fact to LSF8 Master Participation Trust, by Assignment of Mortgage executed on August 26, 2014 which will be duly recorded in the Office of the Recorder for Cumberland County. 6. On January 17, 2007, Clarence W.Watson departed this life leaving title vested solely in Donna D.Watson by operation of law. 7. The premises subject to said Mortgage is described in the legal description attached as Exhibit "A" and is known as 25 Smith Road,Gardners,Pennsylvania 17324. 8. The Mortgage is in default because monthly payments of principal and interest upon said Mortgage due November 23, 2010 and each month thereafter are due and unpaid, and by the terms of said Mortgage, upon default in such payments for a period of one month, the entire principal balance and all interest due thereon are collectible forthwith. File#14-104431 Page 3 i 9. The following amounts are due on the Mortgage: Principal Balance $ 123,629.20 ` Interest through October 5, 2014 $ 40,669.89 (Interest due and owing at a variable rate,currently$28.64 per diem) Late Charges $ 2,551.56 Attorney's Fee $ 2,350.00 Insurance Balance $ 953.00 ' Force Placed Insurance Balance $ 4,404.70 Force Placed Tax Balance $ 6,899.23 Property Inspection Fee $ 125.00. Deferred Modified Interest $ 5,767.77 GRAND TOTAL $ 187,350.35 The attorney's fees set forth above are in conformity with the mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff's sale. If the mortgage is reinstated prior to sale, reasonable and actually incurred attorney's fees will be charged in accordance with the reduction provisions of Act 6, if applicable. 10. Plaintiff complied with all notice requirements as prescribed by 41 P.S. §1.01,et seq. (Act 6), and 35 P.S. 1680.401c, et seq. (Act 91), as applicable. WHEREFORE,Plaintiff demands in rem Judgment against the Defendant in the sum of$187,350.35, together with interest due and owing at a variable rate, currently $28.64 per diem, and other costs and charges collectible under the Mortgage and for the foreclosure and sale of the mortgaged property. MCC ,W7abe, & C WAY, C. BY: [ ]Terrence J. quire [ ) Par�3�'weiss erg,Esquire Edward D. , uire [ ]Margaret Gairro,Esquire [ ]Andrew L.Markowitz,Esquire [ ] Heidi R. Spivak,Esquire [ ] Marisa J.Cohen,Esquire [ ] Christine L.Graham,Esquire [ ]Brian T.LaManna,Esquire [ )Ann E. Swartz,Esquire [ ]Joseph F.Riga,Esquire Joseph I.Foley,Esquire. [ ] Celine P.DerKrikorian,Esquire [ ]Lena Kravets,Esquire [ ] Carol A.DiPrinzio,Esquire Attorneys for Plaintiff File#1 4-1 0443 1 Page 4 VERIFICATION 7 a��el The undersigned, a ci / does hereby certify that he/she is �e�Ai91� SP!'y CQJ Ot tice/'of Caliber Home Loans, Inc. and that Caliber Home Loans, Inc. has been duly nominated and appointed by LSF8 Master Participation Trust,plaintiff herein, as its mortgage servicing agent in regard to the mortgage loan which is the subject of this action (the"Mortgage"). LSF8 Master Participation Trust lacks sufficient information to make this verification because Plaintiff is not the entity that maintains the business records for the Mortgage. Caliber Home Loans, Inc., in its capacity as mortgage servicing agent for LSF8 Master Participation Trust, maintains the business records for the Mortgage, and theref©re does have sufficient information to make this verification in accordance with Pa.R.C.P. 1024(c)(1). I am authorized to make this Verification on Plaintiff's behalf and do hereby verify that the facts as set forth in the foregoing Complaint are true and correct to the best of my information and belief. I have access to and have reviewed the business records of Caliber Home Loans, Inc. for and relating to the Mortgage, and I make this Verification based on my review of those records,which are maintained by Caliber Home Loans, Inc. in the course of its regularly conducted business activities and are made at or near the time of the event,by or from information transmitted by a person with knowledge. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. Dated: ZI f By. Name: l�a�>C� cc�el��d( Title: LSF8 Master Participation Trust,by Caliber Home- Loans, Inc., solely in its capacity as servicer Name: LSF8 Master Participation Trust v.Donna D.Watson Loan Number ending with: 7885 File#14-104431 Page 5 ExhibitrrArr ._ ....._ ., ._ ...-.--.-�_-.,.....�L»,.,...,......._ ...._...._ . EXHIBIT A (PAdE 1) ALL THAT CERTAIN PRDpERTY SITUATEO IN THETDN�VSyIP OF 90lJTH M I ODLET(>H I N THE CoLNM OF ERLAND AND 0C MMONWAI-V OF PENNSYLVANIA, BEING MORE FULLY DESCRIBED IN A DEED DATED 07/20/1984 AND REC=FD 07/26/1984, AM" THE LAW REGMS OF THF COUNTY AND STATE SET FORTH ABOVE, IN DEED VOLUME 30-u AND PA(;E 866. TAX MAP OR PARCEL ID NO. : 40-40-2656-025 sen��rra�000r�oai�rookwrArsanc :, moll ORIGINAL FORM l LS.F8 Master Participation "frust IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA' r vs. Clarence W. Watson and.Donna.D. Watson a Civil Defendants NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE`S 1 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. espectfully ubmi Date [Sig re of Counsel for Plaintiff] 14-104431 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: Zip: Is the property for sale? Yes❑No❑ Listing date: Price$ Realtor Name: Realtor Phone: Borrower Occupied? Yes❑No❑ Mailing Address(if different): City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: #of people on household: How long? CO-BORROWER Mailing Address(if different): City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: #of people on 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 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: Year: Amount owed: Value: Automobile#2: Model: Year: Amount owed: Value: Other transportation(automobiles boats motorcycles): Model Year: Amount owed: Value: Monthly Income Name of Employers: 1. 2. 3. Additional Income Description(not wages): 1• monthly amount: 2. monthly amount: Borrower Pay Days: Co-Borrower Pay Days: Monthly Expenses: (Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Mortgage Food 2"a 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. I Other Expenses Amount Available for Monthly Mortgage Payments Based on Income&Expenses: Have you been working with a Housing Counseling Agency? Yes❑No❑ If yes,please provide the following information: Counseling Agency: Counselor: Phone(Office): Fax: 2 Email: Have you made application for Homeowners Emergency Mortgage Assistance Program(HEMAP)assistance? Yes 0NoO 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 0 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, named ,authorize the above to use/refer this information to my lender/servicer for the sole purpose of financial evaluating my 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 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY OFFICE OF'Twg SRERIFt= r, • •.iPPRO F HON'...1 E'30 AM 10:41 Mit' BERLANDCOUNTY PENNSYLVANIA LSF8 Master Participation Trust vs. Donna Dianne Watson Case Number 2014-7102 SHERIFF'S RETURN OF SERVICE 12/19/2014 03:41 PM - Deputy Jason Kinsler, 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: Donna Dianne Watson at 25 Smith Road, South Middleton Township, Gardners„ PA 17324. SON KINSLER, DEPUTY SHERIFF COST: $40.43 SO ANSWERS, December 24, 2014 RONNY R ANDERSON, SHERIFF (c) County suite Sheriff Te€eosoft, Inc.