HomeMy WebLinkAbout15-0041 Supreme Court-of Pennsylvania
Cou%•,of Com'' n Pleas
i-et For Prothonotary Use Only:
:
CU ADt•I County Docket No: ��F
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The information collected on this form is used solelp for court odmirristt•ation putposer. This form does not
supplement of_replace the f ling and ser vice gfpleadings or other papers urs required be law or rulesof corm.
Commencement of Action:
®Complaint ❑Writ of Summons ❑Petition
❑Transfer from Another Jurisdiction ❑Declaration of Taking
S Lead Plaintiff s Name: Lead Defendant's Name:
E BANK OF AMERICA,N.A.,SUCCESSOR BY John Sterling Helwig
C MERGER TO BAC HOME LOANS SERVICING,
T LP FKA COUNTRYWIDE HOME LOANS
I SERVICING LP
O Dollar Amount Requested:E]within arbitration limits
N Are money damages requested? El Yes ®No
check one El outside arbitration limits
j A Is this a Class Action Suit? ❑Yes ®No Is this an MDJAppeal? E]Yes ®No.
j Name of Plaintiff/Appellant's Attorney:Robert W.Williams,Esquire
❑Check here if you have no attorney(are a Self-Represented (Po Sed Litigant)
Nature of the Case: Place an")C'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
j ❑ Intentional
❑ Buyer Plaintiff Administrative Agencies
❑ Malicious Prosecution ❑ Debt Collection:Credit Card ❑ Board of Assessment
❑ Motor Vehicle
C3 Nuisance El Debt Collection:Other ❑ Board of Elections
❑ Premises Liability ❑ Dept.of Transportation
❑ Product Liability(does not include Statutory Appeal:Other
mass tort) ❑ Employment Dispute:
S ❑ Slander/Libel/Defamation Discrimination
1 E ❑ Other: C1 Employment Dispute:Other ❑ Zoning Board
C C3Other:
T MASS TORT ❑ Other:
I ❑ Asbestos
O ❑ Tobacco
N ❑ Toxic Tort—DES REAL PROPERTY MISCELLANEOUS
❑ Toxic Tort—Implant
B ❑ Toxic Waste ❑ Ejectment [I Common Law/Statutory Arbitration
❑ Other: ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment
❑ Ground Rent ❑ Mandamus
❑ Landlordfrenant Dispute ❑ Non-Domestic Relations
PROFESSIONAL LIABILITY ® Mortgage Foreclosure:Residential Restraining Order
❑ Mortgage Foreclosure:Commercial ❑ Quo Warranto
❑ Dental ❑ Partition ❑ Replevin
❑ Legal ❑ Quiet Title ❑ Other:
❑ Medical ❑ Other:
❑ Other Professional:
I
i
L -
MILSTEAD&ASSOCIATES, LLC `
BY: Robert W. Williams,Esquire
ID No. 315501 ` "n!
I E. Stow Road '"
Marlton,NJ 08053
(856)482-1400 Attorney for Plaintiff
File: 45.37129
BANK OF AMERICA,N.A.,SUCCESSOR I COURT OF COMMON PLEAS
BY MERGER TO BAC HOME LOANS CUMBERLAND COUNTY
SERVICING,LP FKA COUNTRYWIDE
HOME LOANS SERVICING LP
7105 Corporate Drive
Plano,TX 75024,
No.: ao
O�r I+ 1V�
S ' L
Plaintiff,
. CIVIL ACTION/RESIDENTIAL OWNER
Vs. j OCCUPIED MORTGAGE
FORECLOSURE
John Sterling Helwig
3907 Rosemont Ave j
Camp Hill,PA 17011,
Defendant
IM�
a
14711k
I
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in
the following pages, you must take action within twenty (20) days after this
complaint and notice are served, by entering a written appearance personally or
by attorney and filing in writing with the Court your defenses or objections to the
claims set forth against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the court
without further notice for any money claimed in the complaint or for any other
claim or relief requested by the plaintiff. You may lose money or property or other
rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT
WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 S.Bedford Street
Carlisle,PA 1701.3
717-249-3166
800-990-9108
NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT
1. This communication is from a debt collector. This is an attempt to collect a
debt and any information obtained will be used for that purpose.
2. Unless you dispute the validity of this debt,.or any portion thereof, within
30 days after receipt of this notice, the debt will be assumed to be valid by our
offices.
3. If you notify our offices in writing within 30 days of receipt of this notice
that the debt, or any portion thereof, is disputed, our offices will provide you with
verification of the debt or copy of the Judgment against you, and a copy of such
verification or judgment will be mailed to you by our offices.
MILSTEAD&ASSOCIATES,LLC
BY:Robert W. Williams,Esquire
ID No. 315501
1 E. Stow Road
Marlton,NJ 08053
(856)482-1400 Attorney for Plaintiff
BANK OF AMERICA,N.A.,SUCCESSOR COURT OF COMMON PLEAS
BY MERGER TO SAC HOME LOANS CUMBERLAND COUNTY
SERVICING,LP FKA COUNTRYWIDE
HOME LOANS SERVICING LP j
7105 Corporate Drive
Plano,TX 75024, No.:
• E
Plaintiff, CIVIL ACTION/RESIDENTIAL OWNER
1 OCCUPIED MORTGAGE
Vs. FORECLOSURE
John Sterling Helwig
3907 Rosemont Ave !
Camp Hill,PA 17011,
Defendant
COMPLAINT IN MORTGAGE FORECLOSURE
1. Plaintiff,BANK OF AMERICA,N.A., SUCCESSOR BY MERGER TO BAC HOME
LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING LP (the
"Plaintiff"), is registered to conduct business in the Commonwealth of Pennsylvania and having
an office and place of business at 7105 Corporate Drive,Plano,TX 75024.
2. Defendant,John Sterling Helwig, (the"Defendant"), is an adult individual and is the real
owner of the premises hereinafter described by virtue of a Deed dated December 8,2005,
recorded December 27,2005 in Deed Book 272,Page 2514.The Deed is attached hereto as
Exhibit"A"and made a part hereof.
3. Defendant John Sterling Helwig,upon information and belief,resides at 3907 Rosemont
Ave,Camp Hill,PA 17011.
4. On April 30, 2007, in consideration of a loan in the principal amount of$116,000.00, the
Defendant executed and delivered to Countrywide Bank, FSB a note(the"Note")with interest
thereon at 5.750 percent per annum, payable as to the principal and interest in equal monthly
installments of$676.94 commencing June 1, 2007.BANK OF AMERICA,N.A.; SUCCESSOR
BY MERGER TO BAC HOME LOANS SERVICING,LP FKA COUNTRYWIDE HOME
LOANS SERVICING LP Noteholder, directly or through an agent,has possession of the
Promissory Note.The Promissory Note has been duly endorsed.The Note is attached hereto as
Exhibit`B"and made a part hereof.
5. To secure the obligations under the Note,the Defendant executed and delivered to
Mortgage Electronic Registration Systems,Inc., solely as nominee for Countrywide Bank,FSB a
mortgage(the"Mortgage")dated April 30,2007,recorded on May 7,2007 in the Department of
Records in and for the County of Cumberland under Mortgage Book 1991,Page 1410. The
Mortgage is attached hereto as Exhibit"C"and made a part hereof.
6. Plaintiff is proper party Plaintiff by way of an Assignment of Mortgage recorded May 3,
2011 under Instrument 201112858.The recorded Assignment of Mortgage is attached hereto as
Exhibit"D"and made a part hereof.
7. The Mortgage secures the following real property(the"Mortgaged Premises"): 3907
Rosemont Ave,Camp Hill,PA 17011. A legal description of the Mortgaged Premises is
attached hereto as Exhibit`B"and made a part hereof.
8. The Defendant is in default of his/her obligations pursuant to the Note and Mortgage
because payments of principal and interest due January 1,2014,and monthly thereafter are due
and have not been paid,whereby the whole balance of principal and all interest due thereon have
become due and payable forthwith together with late charges, escrow deficit(if any) and costs of
collection including title search fees and reasonable attorney's fees.
9. The following amounts are due on the Mortgage and Note:
Principal Balance ....................................$103,353.93
Accrued but Unpaid Interest from
12/1/13 to 12/15/14......................................$6,170.82
Assessed Late Charges ...................................$169.20
Escrow Advances ........................................$1,753.79
Partial/Suspense..........................................-$462.88
Property Inspections.......................................$120.00
TOTAL as of 12/15/2014........................$111,104.86
Plus, the following amounts accrued after December 15, 2014:
Interest at the Rate of 5.750 percent per annum ($16.2817 per diem);
Late Charges per month if applicable.
10.Plaintiff has complied fully with Act No. 91 (35 P.S.'1680.401(c)of the 1983 Session of
the General Assembly("Act 91") of the Commonwealth of Pennsylvania, by mailing to
the Defendant at 3907 Rosemont Ave, Camp Hill,PA 17011 on December 2, 2013,the notice
pursuant to § 403-C of Act 91, and the applicable time periods therein have expired.The Act
Notice is attached hereto as Exhibit"F"and made a part hereof.
WHEREFORE,Plaintiff demands an in rem judgment against the Defendant for
foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 9,
namely, $111,104.86,plus the following amounts accruing after December 15, 2014,to the date
of judgment: (a) interest of$16.2817 per day, (b) late charges per month if applicable, (c)plus
interest at the legal rate allowed on judgments after the date of judgment, (d) additional
attorney's fees(if any) hereafter incurred, (e)and costs of suit.
rp
ASSOCIATES,LLC
Date:—\
Robiams,Esquire
Attorney for Plaintiff
VERIFICATION
� 7lG�Gh ,hereby states that&she is Ptzsid�,Jof
BANK OF AMERICA,N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS
SERVICING,LP FKA COUNTRYWIDE HOME LOANS SERVICING LP,Plaintiff in this
matter,thatQshe is authorized to make this Verification, and verify that the statements made in
the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best o ber
knowledge, information and belief. The undersigned understands that this statement is made
subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities.
Name:-%To.lc,,CA
Title:
DATE:�f I7/�y
File#: 45.37129
Name: John Sterling Helwig
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Exhibit A
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C7S BEC 27 PR �7
Ti"iI3 INDmTUR$.made the . 46y of 2W5 BY AND
' Ronald L. Bwgeud and Nm oy L. Bwpu d, Cc-&emtora, under the Lest Will and
Testament of Verna A.Wear,late of 3907 Rommxnt Avenue,Camp Hg Pvmolvania,heroin
ilreftmd to as Qmum of the Oft Pam
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AN D
Jahn Stent Hdwig,of 3 Walmar Mom,Uillsburg,Pcmwlva*herein rid to
PS gc UX%of the Svaamd Paz#.
WHBIiW,Vm=A.11 cw departed this Hfeon Daoember 3l,2004,havtag fust made
6W La$t Will and Testament in vulthW and
WHMWAS,Donald L.SmImd a4 Nancy L.B'aWrd,were Appoingpl and ConstiWod
:0 00-exmMm of the Estate of Wd Verna A.Wear by hem#5 of said Witt;and
WMEA8,Roach t .Burgard and Naaay L.13tuprct,pt:rsuant to the power gramtad
dOu,M dosirm ofourmal.q said piece orperod of rest estate described herein,awned by
' ho Efte ofYerna A.Weer,
` WITNESSIECTH
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That fe said gmntm forand im aond demdon of the.o m ofsixty give Tho=and Douro
mup 5,000.00)lawfal looney of ttSe United States of America,unba dxm mU and Wy paid by
caw�asnu�
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MOM
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Me grades at or before the sealing and dobvary hereat; the mWpt whmeaf is heroby
4dmawlad W,have grm tend,baq*eA golds Rand,releaNd and c onfutumt and by these
Pm nts da Dant,barppia,84 alieae,enf JM►obese and coemn wrto the graateo,his beim,
c�suomm rs and assigns:
t ALL tbst lot of ground sRuato In the Township of Lower AMM County of G'=bo&W
Sfate:of PMsy►'h►aofa,mom,p"doularly bountlend and desca iw as allows,to,wt:
B�JhTINCi at a point on the soWhoaiq lions afR+oseaaant Aver►ne,�d point bang at a diatanoe
rf tvvo baendrsd thirty four emd tvv�i'Y-Sr�e lw�+odths(23 .25)feet,nam aloing Ro�mont
venue in a weawly►direatkm from tkc intcraeWonz of the SmAcely Hao of Rosemont Avenue
thet West*11 m of St.John's Chmh Ro4 thmoe along Lot No. 149 on the hey Waftr
tined
Roof Lou,South tbicty-one(31.)tle8=*NV(20)mitunes„east one hundred
(1411)foot to apolnt;thence Aong,LQts Ne.142 emd 14.3 ou said Pian,Boutin fiHy�eight(58)
foiy(40)miaute6'4 CA dghty=f w and two kdredths(84.02)fent to a pokit;thea
Sag Lot No. 151 m said Pbur,North twemty(20)dues aevenum(17)minutes Wast,ane
foray►eight 04 twelve hundredths test to a point on Rnsemaat Avenue;thwas along
Av*medangahDcm fttowanttbeNoaahwitharadiusoftwohmdredniAot ud
' o tenft(290-2)few 94-thV ad W n*-O&IRMAMI&S(55.98)feet to a point,the ft or
�� bine of l3>iGfIIVNINC�?.
Q Lot No,150 on the Plan of Lots kenowa as Kaeway ft said Plan being wwldW in the
OkO of tim Recorder of Deeds in mW for said Cowgy of Cumbmiod,in P1m Hook No.3.
VM TH MON 13RECTED a one and one.half sig►,sive hams dwelirog.
BMG the Same Preag es which W,Harold Wear and Vena A.Woo,his wife,by deed.
May23,196%a�drecorded in tine O�oeoftheR000rdaraf s mein!for Camberloo
ty,Pc�ngsylvaaia on May 29,190,In Decd Eook U-22,Page 156,gra dW nad conveyed
0 W. Harold Wear and Vein A.Wear. The said W.Harald View pmdeC AW his W*
f
Mere
w fall ami oompteto title Unto Vemgt A.Wear,who diad on Deceanbcr 31,224,
by her Lot Wfl &T�tuont duty proba ed In the Ofte of tine Regime of Wills in and for
,Pannsylvanla,a mbuded and appointed RONALD L.BUR4ARD wd
,nom CX L,BUR(GARD,AS CO-EXBCUToRS,MMMRS HBRM.
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TO HAVE AND M HOLD the old piwe or pmW of laud above demlxd with
� fildinge, irtxpimen as dom acted, hoh dments and premises hereby granted ad
rdeesed,or tnadened and Mended so to be,with the appudenanw,udto the said grantee,his
'on,suommors and assigns,to-and for the only propar we and behoof of the add grantee,his
Mm Successom and assigm fmx+ever.
AND tho said Ronald L Bwgwd and Nancy L.Burgard ea-cxccators of the FAft of
Vu=A. Wear,for d maolvea sad their maoamm do hereby by dm presents coveawtt,
pmzWw m d agree ta,and with the said gmntoc,his beim,sa=es =and assigns,that they fixe
amid poom lave not done, committed, or lau wingly or Willingly nffc ed to ba done,or
'ttodauy act,matte�ror tldng vvhatsaever whenabY the praxises h t�or�Y l
hatc4
is,arc,shall or may be impesohed,cbmrVd or maumbered,is title,dwgr,ostate or
pftmieo hoves mm.
fF Wl`l'4M WH EMF,the said Roudd G Burgead and Nmay L.BntSwA in#hair
dWary capacity as aforesaid and In tbair own right hm►c caused this Manure to be executed,
ftswd to and dated the day and ym first above written.
$; 1Wg4TB OF'VMM WEAR;
(SEAL)
by: nMOA-Rb,VWMR
, v byr. NANCY Z.BURGATID,IUCU rOR�)
GROUP
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QQ34 272 rm*=
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W MONWEAL=OF PRI YLVAM :
lourm OF YORK ;
on this the—#'d ayof AW&JW 5,bdare me,the aadersigaed arca,i aeonWly
• appeared Ronald L.Burgsrd and Naq L. Bmiud,Co-Mmutors of the Estate of Yuma A.
Wear, bw m to me, (or s disbAmdy pal to be the pm*s) whose oame(s) lWam
mbs�W to the within ins , and Hedged that they the foreaing
hidanum ttnf the purposes amin oont hw-
IN MMS WHMMP,I lmveherouato setmy had and n tuW sW the day and year
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adrMr, ►ably NOTARY LIC M-:carded
Sg4y:� 1 Certi f y this
Aut tlaid Nara MY COM MSSION EX WAM Curnbalargam :,y PA
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hm+eby oertlP,tr that tiro prodse Wftss r'` ~""�.r•''''' r '
mf the(rant(a)herein Is:
of Deeds
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Exhibit B
CRPRDNRBS46b 3/18/2014 1:35:01 PM PAGE 14/031 Fax Server
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Prepared by:CHASTIOY BLACKWFIL
LOAN #'
NOTE
APRIL 30, 2007 HARRISBURG PENNSYLVANIA
(Datc] [City] l5ratc]
3907 ROSEMONT AVE., CAMP HILL, PA 17011
[Property Addmsl
1. )BORROWER'S PROMISE TO PAY
In return for a loan that I have received,I promise to pay U.S.$ 116,000.00 (this amount is called
"Principal"),plus interest,to the order of the Lender.The Lender is
Countrywide Bank, PSB.
I will make all payments under this Note in the form of cash,check or money order.
I understand that the Lender may transfer this Note.The Lender or anyone who takes this Note by nansf-r and who is
entitled to receive payments under this Note is called the"Note Bolder."
2. INTEREST
interest will be charged on unpaid principal until the full amount of Principal has been paid.I will pay interest at a yearly
rate of 5.7so %.
The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B)
of this Note.
3. PAYMENTS
(A)Time and Mee of Payments
I will pay principal and interest by making a payment every month.
I will make my monthly payment on the FIRST day of each month beginning on
,TONE 01, 2007 .I will make these payments every month until I have paid all of the principal and interest and any
other charges described below that I may owe under this Note.Each monthly payment will be applied as of its scheduled due
date and will be applied to interest before Principal.If,on MAY 01, 2037 ,I still owe amounts under this Note,I
will pay those amounts in full on that date,which is called the"Maturity Date."
I will make my monthly payments at
P.O. Box 660694, Dallas, TX 75266-0694
or at a different place if required by the Note Holder.
(B)Amount of Monthly Payments
My monthly payment will be in the amount of U.S.$676.94
4. BORROWER'S RIGHT TO PREPAY
I have the right to make payments of Principal at any time before they are due.A payment of Principal only is known as a
"Prepayment."When I make a Prepayment,I will tell the Note Holder in writing that I am doing so.I may not designate a
payment as a Prepayment if I have not made all the monthly payments due under the Note.
I may make a full Prepayment or partial Prepayments without paying a Prepayment charge.The Note Holder will use my
Prepayments to reduce the amount of Principal that I owe under this Note.However,the Note Holder may apply my Prepayment
to the accrued and unpaid interest on the Prepayment amount,before applying my Prepayment to reduce the Principal amount of
the Note.If I make a partial Prepayment,there will be no changes in the due date or in the amount of my monthly payment
unless the Note Holder agrees in writing to those changes.
S.LOAN CHARGES
If a law,which applies to this loan and which sets maximum loan charges,is finally interpreted so that the interest or other
loan charges collected or to be collected in connection with this loan exceed the permitted limits,then:(a)any such loan charge
shall be reduced by the amount necessary to reduce the charge to the permitted limit;and(b)any sums already collected from
me which exceeded permitted limits will be refunded to me.The Note Holder may choose to make this refund by reducing the
Principal I owe under this Note or by making a direct payment to me.If a refund reduces Principal,the reduction will be treated
as a partial Prepayment.
6. BORROWER'S FAILURE TO PAY AS REQUIRED
(A)Late Charge for Overdue Payments
If the Note Holder has not received the full amount of any monthly payment by the end of FIFTEEN calendar
days after the date it is due,I will pay a late charge to the Note Holder.The amount of the charge will be 5.000 %ofmy
overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment.
(B)Default
If I do not pay the full amount of each monthly payment on the date it is due,I will be in default. /rI
MULTISTATE FIXED RATE NOTE-Single Family-Fannie MaefFreddle Mae UNIFORM INSTRUMENT initfa
Page t of 2
d5-5N(0207).01 CHL(010104Xd] VMP MortgagaSaWons.Inc.(8W)G21a2a1 Form 52001101
CRPRDNRBS Bb' 3/18/2014 1:35:01 PM PAGE 16/031 Fax Server E
LOAN #
(C)Notice of Default
If I am in default,the Note Bolder may send mea written notice telling me that if I do not pay the overdue amount by a E
certain date,the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all
the interest that I owe on that amount.That date must be at least 30 days after the date on which the notice is mailed to me or
delivered by other means.
(D)No Waiver By Note Holder
Even if,at a time when I am in default,the Note Holder does not require roe to pay immediately in full as described above,
the Note Holder will still have the right to do so if I ata in default at a later time.
(E)Payment of Note Holder's Costs and Expenses
If the Note Holder has required me to pay immediately in full as described above,the Note Holder will have the right to bo
paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law.Those
expenses include,for example,reasonable attorneys'fees.
7. GIVING OF NOTICES
Unless applicable law requires a different method,any notice that must be given to me under this Note will be given by
delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note
Holder a notice of my different address.
Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first
class mail to the Note Holder at the address staled in Section 3(A)above or at a different address if I am given a notice of that
different address. `
& OBLIGATIONS OF PERSONS UNDER THIS NOTE
If more than one person signs this Note,each person is fully and personally obligated to keep all of the promises made in
this Note,including the promise to pay the full amount owed.Any person who is a guarantor,surety or endorser of this Note is
also obligated to do these things.Any person who takes over these obligations,including the obligations of a guarantor,surety
or endorser of this Note,is also obligated to keep all of the promises made in this Note.The Note flolder may enforce its rights
under this Note against each person individually or against all of us together.This means that any one of us may be required to
pay all of the amounts owed under this Note.
9.WAIVERS
I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor.
"Presentment"means the right to require the Note Holder to demand payment of amounts due."Notice of Dishonor"means the
right to require the Note Holder to give notice to other persons that amounts due have not been paid.
10. UNIFORM SECURED NOTE
This Note is a uniform instrument with limited variations in some jurisdictions.In addition to the protections given to the
Note Holder under this Note,a Mortgage,Deed of Trust,or Security Deed(the"Security Instrument"),dated the same date as
this Note,protects the Note Holder from possible losses which might result if I do not keep the promises which I make in this
Note.That Security Instrument describes how and under what conditions I may be required to make immediate payment in full
of all amounts I owe under this Note.Some of those conditions are described as follows:
[fall or any part of the Property or any Interest in the Property is sold or transferred(or if Borrower is not
a natural person and a beneficial interest in Borrower is sold or transferred)without Lender's prior written
consent, Lender may require immediate payment in full of all sums secured by this Security Instrument.
However,this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law.
If Lender exercises this option,Lender shall give Borrower notice of acceleration.The notice shall provide
a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which
Borrower must pay all sums secured by this Security Instrument.If Borrower fails to pay these sums prior to the
expiration of this period,Lender may invoke any remedies permitted by this Security Instrument without further
notice or demand on Borrower.
Tnumntt:tm moi`
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SU41ORVICE PKEIDPVT
7CHAWDS)AND EAT(S)OF UNDERSIGNED.
��� (S ) (Seal)
STERLfNG HELAI6 -Borfawer -BouoWCl
(Seal) (Seal)
8or.owa -emrower
[Sign 01Hgrrra7 only]
CVN(o2arl.ot CHL(10106) Paan 2 012 Form 3200 7101
Exhibit C
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CHASTIDY BLACKWELL
comtrywide Hma Lmns, inc.
dba Amarlca'a Wholesale
Istmder
3.210 NORTHBR00X DR..#300
TRRVOSR
PA 19053 '
Phone; 123.5)322-3700
Affm c0DI1TR� !NIDE HOW LOANS, INC.
MH OV-79 DOCM T MC!SSSZ
P.O.&oc 10423
Viae RUM CA 91410-0423
Pivasirfe�:
3907 ROBMOT AVE.
C2w HILL
PA 17013.
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MORTGAGE
P�g1MYA[�A-SInDI�fang•i4�MBN�M�l�iMiNa Mie tltllf+011M�IL1N�l�Ylrtll M9lg
Piga 1 aFf!
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MW 1001337-0002163333-7-
DEFamJa o
Wo*teed is mdL%&eeotlm of this tease de0nod blow and o0W wards ats dc&W is t lawns 3,
Ll, 13,!a,20 and 2L Ca Wn WOO repM ft the same of WO*wed ib tids doeazocmt awe also pwddad is
SODOM 16.
{Ay" meansttde whichisdatod APRTZ 30, 2007
��ltidess to this damneaat. .
(p)"
Joml STMtL=(l MWIG
B000mis&O 1p tolop,uufttiffssmuety mwmwt.
( "N=r 13 D yo meow*��b%mm is a$%mole oeapo Afm that b ast
as a nominao fax Usdor wad>l ea ws mm oem and" tti m Is ft 1"W"
BMwsily taaMrsusMsak i ibi=d eddhtg undo Gob=of Daae,amd baa:im addaem mil
Wkpbioo „member of p a Ba 2026,Fiidt.Mt MO1-=4 Lal.(SM 6"M
Is
C6mtrxywid s.90*, FOR.
�S"si{�S BAD7K
r
wd aooietht6 uadoe dw hm of THS Tll2ITt2D STATES
Vorth Fairfax St, ate s00
A! oxaadxias, VA 22314
(E�ape o*wmw she pmad wwy IIoto sfVed by Sanowaa and dosed APRIL 30, $007
Thet�ote ata►tas tient Baaatitar oast Y,ender
r t S SIXTm Tgou"7D and 00/100
DoUm(UX$116.000.00 )pw wow.Hommw has grctarisadto pq abta dabt in tegu w
t�►1(0000t Clil.nfilM t�►wasr Raem to IN
DOC ?D #t 0 _------_-.
Ptlriodia pq t u and ao iq the in m as briar* MAY 01, 2037 ;
(P)"Praper(1*"t mama em pMMW that is daoadW belay mda the WOM"hmUft.of Rf5W In 4*
0)Hum m do debt wAdmoed by the No*plw b&wa*,my pmpqmxd chwpx and W
dao cedar OwNate,sad A same deal=dad&Sattu ft babmaent,plu WOW.
(e) "Roi n"aaam all Ik14M to ob tieatttEty huuumem 6a wav axon W by Rttrtam W followbe
RW=xv to ba artaottvd by Borrower[abvolt boy o+a 0061b .'
A4Tu"GRmftAidcr CondomWmRWW Saooltd>iacav
Btdioort RWw Planned Unit DwvdopmeARWor 1.4 ftwj►RWN
VAStlder MOW 19041
X�4Cd Z 1 ROCK Fri'S09
(Q "AppUsobb fAe moms all ODSUWft Sirplloabla fodawt, State end Inver ragtdations,
*Auaoaw ad mbmWsbadve rues=4 aid=(t>d have the 4W of 1Sw)as vreU as all OPPHS"",
�JadEcel opipioa4-
�''t�rnwmity 4aeo,
Fess,at As"B mw mama on&M fees,ssagsso="and odwr
that sac hgowd an 8otaaww ortlte PaapoW by a oondomb i ma smodMIM homeowwm aseoa
or similar opoladaa.
00"mpdreaie>eylartbl m=oo mom arty ownfor of ftmda,adw that a=MUM orad by dlook
drag,cr,&n paper fit,wMah is Wdaeed thraa,}lt an Pig Alenia teat ori WOOLmdo imhtmsmt
ooSapuaes,or togpo is tales so as to order,bobmot.or W40dw a f amxdd b dibatlm to deidt or amdk as
aund. Utah team I A,11; but Is not timitod te, potut-cf-Wa ani, abmdM t*w mooblao
hwwgdoM Umalm i by ,win u=sOws,and ebtaanatod olmirtgbom Uwufam
tQ"lf+lrra'st lame now tltt m items tW are dean lbad ia"Swdn S. . bi'
po"pAkedbag ea p neaeds"Maas mW oompeosdlam,a dkwoat.swn�d o[clSmszSor Ai
07 ON patsy(odmr om imw*nm paaegds patd trader Nto oovemps doewibed in Beodw S)for:(i)tlaenrge
ba,or 4ougam 4 div p operrst,ti)andmmoloo or other toUn of sit or say batt of*5 Propeaty;Q*
aamyow be lieu of Gmdamwdhw; ar OV) rtlarainasea o$ vt omisadW as to,the vldwo andlar
p�
(ND o iavt of tba PtopalRy. I�atder tlw 04 or de6alt alb,dee
� "teases itrsazamav boattn8
i m'l.
(0)"Pabdtc ftpw a!"gees&segWWdy aobWod aretawat doe fir(i)prinalpat tad iI�,i undia ft
Nobe,pY+rtes(UNWlaaardeMAW Smd=3ofthisSeaIm" i eat
(!)"l MA"Mesar Rall HOto Bsttiaaomtt Aix(lZ U.B.C.t3ootion 2601 of seq.)and its
impkmwft rq pbttkm: X(24 C.F.R.Prat SStlB),on Seey ad&be aoQm"fl+om tboe to time,or
.
=r additfaaal or aaaomw 1f&ttlaHoa or reStdatlon ad gwmm rho am attl w mom.An used In Us
fi =tq►pdryatpat,"ltliliPA"mWm to all I c a '11 m, m,m Sad iestrio*=that are hupowd in reglad to a
°f adbr rdaWd hall°evon if the Lem dove rmat ss a w*&m*mi"mw4m lose"
oaderRBSPA.
( "tletvetasou to **offtwome mypww that hos tw m mile to ft wopoty onowarom
that patty wsswumW ftwwerre obWoaa tmdw the Not=&m Us Sewrtity Tm"MOUL
ft,A(W om on(low teaof tv ram*M an
69+991 PSI 4 12
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DOC: ID #s 01' _---»
'TRANBiBit tR�RIt3g7��'� of the 1-m^
sand sdl nnewsls,e�etow andM& �t Oeat m to l mdef:(g*01 re set
oms Of the NOW and(q am pesBrMMM of sous vws mmvearI I ad egeee raft WAR shin
Seasad�raw mart ad din Nova For No parposo,8arroaar does!►"Y nn 0906%ttd asatd mvW to
MW(ad*as maraca for Lu dw wd lmdsat's aawaoeaasaona and aaa sop)and to tits WWONM 40d ams
of ums,me falww*g d M*od For"boated In tins
Comm of LMMB JAARD
(aypa r rm mo lvil�t�on) [Tisttatot6e�e+��
WO MMIAIT OW ARTACM ATO A= Ids A PART $`OF.
wddt aamatly bas ttao: of
$907 msmf= Avg. , CAMP HnL ►::
i
Pesmayly� . 17011. (� A4tBnas"J�
V4"I
MM an dw UWm"miinU now or bma Aw erected an and so"Rom ms;
and Sxtmus now or ha+adEor as pent of rise peapaty.Alt saq►]soaacats essd sddit;aaas aabaetl aatattl
be oavaead by ttds decaft Alt of tiro ftvpft is retotrad to fn finis 9eooft bAmm ad 0*0
+ ►! ta<td the I1d hgkb oqjy leg�st!tale t*dA ImaEcftamts ti by
a maw In dis Secaft .bot►if ne0e0aatg tR ommPly wl&IOW Or mom,MW(ar n=dm hr
L4VAcrOW 14ml a's aWwM aand:oftm)has the to CMAN asasy Of call of those lstiat l9k soadndisag,
but nsO limlW to,60 MW tb trice on aaasd cell dw wgatrns`WA to taahs sarsy ution twow of Lam a
boWdhV.bid not tfac{t %=40*6 md=muss wo Somft
Bq�t�O�V�IANl;B m
d �++t�.�fowe�is lavvibJfly aaleedaperty b do aitb0 as�t0lsoteby w oom•+eYod aEaa ha►a t5a
af,* =4y ft p[Opo ty aqua>ind rime*
� 9
dam
Of l OOL HOm"W Walt*and wm tf.0ad moi►dw We to the POVRKty wha am
dasimns and dec wtk ma W dat tr OW wwmbgftvw sof roasa¢d,
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$,�4�Ei.0�,'1���a i��a$�a�1�����i$�19��� Ei� �� Il,
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DOC ID
dds Socaft rooko sw is also raq*W im6or APPuaebt0 Lu9r,*9 APPRa-.. -vgwv *n wut a—y
tta0 cuff"p3aft r"tdteateat muff 46 scow tty
14 t wnn bg 1&I"SarwaT Rviaa ot•CowboOpw IMo Swarity bin uwl abd)be pvmaed
by fbdwW taw aad the kw of*s Jwriedfetton is which the P"wW is lecoad.Alt 4SW=4 aM
ocatMned fa fids Sc=fty hwu=att pre mAdvot to mw i,qui ill wA Gmi Md w of App>feabto Law.
Aptttivabie I.aw 009k ooq&*as ingetiaWBy abw 60 Pxdw to agree b!W*ut or it MW ba enrol,W
rx&aflam stt0 not be comftw d as a proTdbltfou spbst qpeamoat ty cM&ML h the and toot say
previa m or oltM of fills Swo*hArsamed or On Nuto oonbicts wM APptaabto Lsw,such ocntiiot afoul
ud utttxt as=ptovWosaa of tbla Swwft Ieslrt mad or Ow Nott wddoh ca bo man oftet w1tat Rte
As$wW lu tone 3eaartty hii 1- (a) words of too mambo p Ww daU nos sad Whido
awra4 MA14g-eater rrc4ds or word.of fix+faWds tm ga4w tb) in the ainmtar*dm on awd t oh do
the paha d sad vice voig and(a)the wand W give ado dlowv a wifto=y nbl4Ww to Wo any
17 Vm woRer%OW.Bw wxdukH be tem ow copy of the Now and of his Swa*hwhu mt.
A Trod w of flea or a HtmWkW tGrAaare0 In Hpermw. As nand ba this S*W= 18,
°Iatotaat is the Ptol+W moons mw RVI or boaafi W bstwetat is duo Psapaaaty,ixhd n&but acs H to,
those bea"lni, t I ftwnhnvd Ina bead frn dbed,oasmaat hr dead, soba ooatnd tw osorovv
the b*vt of*hM fs the WmaI oftMo by 8aneaaree at q ttt M data to apmnbaaor. -
No craq partef rho fib'crow 711eaard to the Feopartq fs sold ar teeaabnad(or if Btiasro�vecis not
a nobuat Pasted aced s bwattatat 111, , I In Soawrw b saki or OW Lode's pdw wfow
oa y 16 aedw nv regain imm fOw pajatmt in M of alt ==ascaron by ids Scowity I oumeat
Aoavm thio gdit,ehatt not bo cxwbviby LeutkrNmwh amrotsstop vWbfivdby4plto"Lw.
If Lapdoe arcattdr I lona apt*%Loader d" glue ft4oaec ndtw of aoodand m The MOO don
pwv*a period of not toes dhaa 40 days flow tiro data dw wd"b glvea to aoowdow wn Section 13
Witbda whfeh Bemrawa=$Pry oft oats--WOW by tMa Saoudty baascnme A ff 8attowor WS 10 Pay dKM
spam prter to the esqimthm of tote pardon,F.aatdatr mor Wveks a w rwrtedlaa Pmnt W by two SwM*
ImrtrwftW wldsMd tum*Wooer dtaaaad=goaawer.
it tfterav"r%Mot Oa ltsbartabe Attar Aaaaiaratlwr.IrMU&wea maab denote co0didoa4 Ow0wet
shad have oho 4M ro have OANOeasatt of lids Sc u k Itwumst d wanduraf at atW two pdw to tba
oaf!ul c8(a)itve dwws btkw We of the hgatty Paransat to a*pmw of Rio ooI I I I I b this Swumlty
hmmmerg(b)sub-o0w pwW as AppUuMs Lary mf&speolts►ft the twwhWea of 8iormwm'a daX to
ra6oswc;or(e)edgy ad a jam atf eft tbfa Soorutty Indt»sm mL'.!baso ams do Swowa:
(a)pop Londar all=w wttA thou would be dao wtdor lois Samtity hmuwaottt ad the NoW at if no
aoealex'attae:Led aoaamed;(b)cera aqy a3esiatit��o@tec ear agnaemeedK(a)PWs all
Umptod id ames+oirS" $wudW I i it btckdiag,but bw SnOW to, rosownhle Mawayf toes,
pral+acty iaeproeticQ ad vsh>Qtian fico„ad otter foes in="Far the papaw of pwwadog LeWoes i it p —
to too PWpetty and zWO uWw tide Swwfly k*uawd;said(d)tauter aaali action as I,eoder Qp4Y raaaeaaaebiy
:agairo to saw that Lw*es i onat to the Prapersy aid doto msdw tido ad
Borrovmft obffpft to pay the empa soatued by d&Beotoiy Iasik slant contlovo upd=Vd,L Jw
avty reps a that tdort+a w Pay such td=udamam swan and ostQaasaa b gee or more of the 690,wi rg foam
m
as seleatad by to da.(a)cant+(b)a my aAt;(o)*wdW abo*basic dwA;,trmauets dieter or ceshWs
dwk,pVM4 saw such dnwk is dsm upon an bA&Am whom dopooks are bswvd by a fodarai gpaq,
ift4A(PA)OM Md> " ssa`ar dsap+ttale IM
't FG-1 422
DOC YD $:
irmI_ WhY or do*w(d)Modmaic Parodi Tnaalfo.Upw nbftmmW by Boaaa,d&seaaity-
Ind aaW and aftat t<a ae mW bereby dM ramWn My eflbetivo a if no mina had coo out
i owrim tWle RWto z edttdl rest da the cane o aeradaratdon trader Sestina It
2L Eula*f N**Cbwo of Lewes 8arOun bole*of Girfsrarree.The blots cr s pa:U Wave in the
Note(togtst w wft Wx SocaftlitsercumQ on be acrid ower more apses vddbod pdor notice to Batit"or.
A atriamutt rash fa s aha p in dor aatlty O onna ss gra Rican swvkce)tltet connote lbded c POM M
due under rho Nale earl ffiis Smmft b*umeret ad p utimaa o&wmMM lo•n wrWdog obWan uadw..
the Nada,tMa Seatuify hwumz4 rmd Apok aMs Law.Thera afro ud*booms or mc,+o,I qj- of trio Xam
Sonioer t mt*d to a sato of the Nota If titan is a dmp of do Lan Soavinez,Haomw WM be glvea
aritteoa antics of dee ehaage wbkb wily dde the name and acMt+ese of the mesa+ Losse OaNka the
addnara to wbk h pEymorb ddioufd be mbo sad=W odw bftaWm RWA requbw In soanadlon wkis a
notice of trap I of savto4 If file Nobe to sold sad*wwfiw the I.esin b awvhod by s Loa SeMoer ctbor
Om dw pardow of the Nobe,the mccftop loan aavloing virtu to Bwrawer wadi nub whh tbo Lorin
S avkw or be trseaSeQeatd to a ausaresar Loeo SOrV.UW dad an not aaaesod by the Nota p d Mara sores
otha wbopwYkiodby the Note F o
Neither Bawaww tear Lander mW oommaae,Join,at be jarred.to my JvAoW acdon(ai dMar an
InaBtvhduat tiOpd ea'filo membw da ohm)duet arias haen flee other pa"wenn=s parva M to We Swift
huhumint or thea olWa did-be cdlw party baa bso hod gay ptovidou ci;or any dwy owed by roum 4
fids Sewadty .wis eurh Budowar of I.onder'hoe natdibd ft*&wpatty(with aaoh&Woo given►in
oarnpUM"wa file Mpkeffiab of Skdit 15)Orsoch sltogod b"*affi d h"aha Otbw party hereao a �
maoar"pe dod of the givhgg cf vA ttadco b t"ooteottvo wow IfAMUm ble Law povldw a dm
paced whlaha rnsi dgm baltsro owWa sad=can be t*wa flat dmo paled w9l be doomed to bonswadAv
farpwrpaees of ft pWA"L.The D*=of molua w ad vppwku*y to am gluon to BorrWw pwmvw
to food=22 and go no3too of aaederadeei givaa to Baetowelr pausoq!>lt to Scodou 16 smell ba doomed to
ma*the aadoo pad appotae*tt Uko eranaotive aotdoapxa Woo of Ob Seotfoa 20.
21.Haatedavai els ltpaeei.Ai uaod In.this Boa m 21.-(a)Mundw Subsume ata those anbetattces
Mined n fordo of lrazeat w euhetp om polh=ts. or paean by Rn*uQM=W Xww and the Waft
subs tm psoffM k raftvA othw SwomeNc or tode pekdoaae pto&;4 tarda poetioldes and babWdea,
whAo. solvents, motedola coutidubs aa&s*w or hm4deb^ sad radlvsWvo wearW (b)
"8avjcamaeadal LW mom bhW lane ani km of deoInfo ckm wbere draPxp dy is boded this rdato
to bOHN eafioty or cavhmmedd p oica y (o) wEnvk=MMW Champ" WWW sw ragsonI
nzwdW echos,m:eatvvd wdon,as defined in BavL+ d Us%and(d)an"NowhomwaW Coadidoul
means
It aood,7lon Gomm caatb ftao to,or e►dwwfae WNW as llavttownwtd Cmrp..
Baatoa w shard sot cam or peuait rho IIP 10ne,sae.edrpM% atoms,or Wane of any Hpawd"
cogs„or t l i w--to v*m mal►V=at&=tbdmmx s,=a:ht dho hR ty.Bvetairor AA lace 4%of
aliogv aayoree else to efa,aaytithsg a tits I+rgper{y(aj stmt hs ha v#aLdon of ra�►Suvlamancaad Law,{b}
vvbioh aaabea m eatst Caadittn,or(e}vrMoh,duo•to the prasaateg,nae.a relasa of s>dwrdoua
` r ctaaatoe a oorxdttoa>bat adraria(lr �vahie os[the Psvporty.The poo two seatoaoas
sbetl not sp*to the I p c c-6 use,of 1 iga era the Aropaiiy of mME gttmtiptaa of H Is i Sbabstinow
that ono senorsay reoagtt W to be syrarpdato to aarattd ram rasa sad to ta*ftawm of tba Dotty
(lnadWb&boo tart Mad tar,bowdovi s*dsvow in oar pvdanffi}
t , ANe�I t�tt.(ttaaa� F'PP14a917 fcrattMO M
1
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r
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DOC TD #:
BY B WWW MWW,Boa w*w ampts aid qpm w to t+e m aid wvonl m momma in w
SaoaWV bA=wcd and to Bidat oxo�ad by t�8 raaotdod with it,
Lie
r�
ism%
S BTC
-Boamvvar
moo
4�3
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� Bo;x+axror
�+lfi!(�'1�tneoR} �t �i.saatT t�►t�9M
i
DOC ID #s 01 7
COMMONWYALTS OH tai SYLFAMA,, Can. x,4h� Gbtutly qtr
Ott ttt fe itw dAW of CIA DCro-7 ,t+alhra me,the
undo�dgtx�d ,p' 'eppoeYgd `
jR101P�tD a1R(QC� t0 bGtkO
Pte} Ohm MMASj WAM WbSMI d to 60 1ttMn hftuomt std wbww odpd that hd&& y
oxoantat t4taaaate t$r�PncPaaee lletdA cantdned.
m v
� .Ibarettvtoaet roy hRad tend offmi�l'aoeL f;
ntadosttorr
is
�w�fa d1Y�y�
6as,oby tbet
Wftm uW had it *vat 1
�� � s t
sof*
M . ocNor.�o.
�.t+�wy tafoel an. 1 tar, sr�� ��swe 9tit
{'Y
ALL that eutab lot of grm(l elttrRte 14 W TOS Oft ofLower ABen,Canty of .
Crtpabftimd and State of Pelt ghmn* non paryajoriy tmadW=d&MOW
as feums to v t;
BI�Gx1�1Nt1Yf Ott a Net on W wdurly Ike of Poeemmt Avenue,sold patat
St a dunce of WO bmubW W rty-tone and twmag6&e ltab4rWW(MJ6)fed,
M=Uwad along RORM"t Avenue Ju a WON"direetba Am the tatemeCUM of
the southerly line of ROeeanoat AvOMe w10k!be Weatetf y HAD of it JdM S cbareh
Raad;thentra dOg Lt Na 149 on toe ham=R#MW of Lacs,gaunt
*Oir-mm(31)dWm twav#(20)mtaetute�suit oue lattr*W forty(140 fed to a
pWnt;t kcnce 21009 Lots No.142 and 143 ox t+dd Plan,South fi ft t( degrem
f"W(40)'"ltm' 414 efghty--four aad two bosdrefts(MM)feet to a pot"
fefusa AIM Lot No.151 on eatd Plan,P(ortk twenty p%degrees svmtm(13)
miaa 'Brest,one handnd forty d&mtd tw*o hmtdr fed to a ltofnt an
Room*Avexetq gmee along mut At�aaua#1018 a Use cap ft tawaard the r
Karat WM a"Wft of two h*VAb-ed aitely and two fvndw(2m*feet OW-fine nd
alnety4dght hm*eab OWS)feet to It POh4 the point*ad place WE I F G WMG.
BMG Lot Na 150 on the!Plan of Lots baawn as ItOWaydtay sidd Pim Wag.
retard"ix Ike ONN of the Racm+dor of Dads to and for said Cmty of.
Cv mberlaad,to rm Book No..%
BAYING�QN ERECTED a one and oaae*half e ' :{
. toty,sinp�e tlrame dweIItng,
BEI q TAX PAUCHL NUM BRRt 13-14-07WI?A
4
;un
In moi, h'PA
•.� RerarderOfDeeds
��' 4v
Exhibit D
W Dr.
Bank of Amerks
Prepared Sy.
MHredea Jadiila
ss8.603A0n
450 B.Boundary St.
004%SC x9036
When recerdal sna:'t to:
CoreLogic
460 X.Boundary k
Attar ReIme Dept.
SC29036
DocIDO
Tam 3344-0795424 ,
Pro"Addrew
3907 ROSEMONT A'VE.
Camp loll,PA,17011
Pfolroc(y Location,
TnWnship of LOWER ALLEN
PAwus 1117
vrn► , rorReaeaQertc,vo
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AMIGNMAT OF MORTGAGE
For Valm Received,the uttdemkoad holder of a Moatg p(herein"Assipwl)whose addrras is 3300 S.W.34TH
AVENUE,SUrrl 191 OC"FL 34474 doss harcby grant,sell,asaiM ftwfa and conM ucba]QAC HOMZ
LOANS SERVICING,LP FKA COUNTRYWIDE ROME LOANS SERVIt INO LP whose addross is 8609
WES'I,`WOOD CUUW.,VIMNA,VA 2230 aU boaci9 W interest unfit that owte a Mortgage dosuatbed below
together with due rac(s)and obligations ihweun deacribod and On money due and to bcootne due 6wo wilt
interest and all rights accrued or to accrue undo said Mvxege.
Orwal Lender. COUNTRYW@B AAM ilk
JOHN S KWANG HELWIG
Date of Mortgage: QW2007 Ori&d Loan Amount: $116,060.00
Rsc arxied in Cwnberiaad Coaxly,PA on 6/711A07,book 1991,page t410 and 1w m wdm=bcr N/A .
ibis Mottle has not been w pred unless otherwise stowd below: ;
IN 4V�1't/I,�l�ess wuMMY,the undersigned hes caused this Aeaignmem of Mme to bre axeeutod on
MORTGAGE ELECTRONIC RSGISTRATION SYMMS,
INC.
chestar Lortnge,elasistaatSearatary
�i
t
State of CaMbrub
County of Ventara
on bofm m It votte OhNnim, blic,personally appewo Cbmter Levltie,who
Proved tome on the beefs of satisfaa my avidence to be POW(m)whose nsmo(s)idm mibsen'bed to the within
ins[ttuneut avd aolatawk*W to me dist helaho/tttey trted the same in hislWRIbeir m tt ezed oap '*(ia1),and
that try hill mAhOr sipstm*s)on the insimment person(s),or the entity upon behalf of which the persons)
acted,executed the inmumem.
I certify under MALTY OF PRIM n er the Jews of the State of gtifomia tbat the toregpwg
parapvh h trNO and correct
WrrN WS try ha A and official
Notary Public: bsat#eu (Seal)
My Commission hast 177/2013
I hereby oeJtfty that the ad(lvw of rile within named anipea ia:
NO WESTWOOD CZMIM� VIENNA,VA 22183
Sigrru�re
,
i
c:
ACKNOWLEDGMENT
State of Calif mIa
County of. 1' c Q.
on Aoriv 2O . Ol l before me, I�_OWA&U&I
(insert name and tMe of V*offltter)�
personally appeared CbeAW LZV Lnga , .
who prowed.to me on the basis of Msfactory evide M to be thg perwn(s)whose naccbe{�islsss,
subscrftpci•to the wrft do"Metrt and aoKrtowtedged to me that WsMOW exec Md the same in
h7snWAh*authorized capaoity(lat�,and that by his mAW signature(e)on the froh 'a t the
pamon(6),or the entity upon bahW of WHO the:person(sr)aoted,executed the Instrument.
I caro y un der PENALTY Y OF PERJURY under the taws of ft State of Caifomfia that the foneOng
pa8reph Is true and corned.
v
WITNM my hand and Oclat seat. „ VElTt:OHANIAN x
COMM,91787'925
Q MARY Pei"-CAMAM�
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3
ROBERT P.ZIEGLER
RECORDER Op'DEEDS
CUMBERLAND COUNTY
1 COURTHOUSE SQELIARE
CARLISLE,PA►17013
717-2404370
Instroment plumber-20111289
Recorded On 0/2011 At 10:41:19 AM "Total Pages-4
*Instrument Type-ASSIGNMENT'OF MORTGAGE
Invoice Number-SWS User ID-88
*M:►rtgow.HELWIG,JOHN sUMLIvG
*Mor ftn"-BAC HON X LOANS SERVICING LP
*Customer-CORKIDGIC
STATX MUT Tax $0.50 Certification Page
STATE JCBIACCLXB TO $23.50
JUSTIC8 HO'NOT MACH
RSC0301N% !mm R $11.50
X20MER Or WEDS This page is now part
PAML 48R' nCAnCN $1A.40
rxx0 of this legal document,
CbtfNTT ARCR VZS FLS $2.44
RW AWUXVXS 121 $3.04
TOM RAW $54.50
I Certify thin to be recorded
to Cumberlaud County PA
RLC7tKiDElt 0 D T�
e-InWi Man denoted by at aderW may chmp daring
the va ftcadon procep end may not be rWkddW 9a tbb page.
Exhibit E
F9
ALL that catatn lot of grand tr W Ite is the Towa tp of L ww Anon,Couty of
Cu*erland and ftte of PbmwYl a *more prftlwrly bounded and d"Opaed
as fOR Mtrs,to Witt
BBGIriWWQ at a point on tie soufierty Me of Rosemont Avan%uW polut bdug
St a dwace of two hmtdred four=d trn .ft hundev fib(234. f e4
weasurOd abeg Roeemoat Avenue in p WWU17 drection them the taterttedlon of
the southOdY line of Rosemont Avama wUh 16e we " We of St.john's C bUrch
Road;thestce aioctg Lot Na 149 oa tau hwaaft"Meadonsd Pin of Lofs,&M%
'WAY-eves(31)dgrso twenty(20)Mkutes,sant one btndredhfty(141)fee4 to a
Point;Rteance atoang Lots No.142 axed 143 on said Pian,Boat&.mgt(50 d
eoves
ftwO'ffi (� W614�lbur"d two bmadrodtlta(84„p�)feet to s PCW;
VUM Alan Lot No.161 oast Maid Pym,Norio twouty(SO)degrees eet Ito(17)
MhMtes'W094 one bmtdred fatrty e10t toted twelve hundrVdib fed to a paint on
'Briant o t Aveattte;d"ce 4M9 Rommut Avenge sIOxg a ilae an&g toward the
Netto wft a=00 of two ba"dred IfteW and two tendiw(299.2)fedi tft-Ye sod
WROW-atght Imadremb(ft9a)red to it point,the poW amd ph"OfNEQNMG.
WING Lot No.150 on Me 1phn of Lots iMOM ss Kaews Y04 sidd Plon being
reoor+ded itt the 02ae of 4e Reoordw of Deeds in and for aaid Cooaty of.
Camberl ad,in pa gook No.3.
HAVING SUN BitEt''M a one and one-Bali start,dooe frame r
BBINq TAT PARCM NUMM 13-2"799-124
X
i
is
M 1
f
Exhibit F
BankofAm+erica
Home Laans
PO Box 9048
Temecula,CA 92589-9048
2279081755
Send Payments to:
PO Box 15222
Wilmington,DE 19886-5222
20131202-213
Send Correspondence to: III���IIIII�III�I�III��III1'11'�1"II'�'ll��llll�ll����l�l'lll�i,
PO Box 5170
Simi Valley,CA 93062-5170 JOHN STERLING HELW IG
3907 Rosemont Ave
Camp Hill, PA 17011-7814
BREACHPA{FC}_FLAT
December 2,'2013
JOHN STERLING HELWIG
3907 Rosemont Ave
Camp Hill, PA 17011-7814
ACT 91 NOTICE
'TAKE ACTION 'TO SAVE
YOUR HOME FROM
FORECLOSURE
This is an official notice that the mortgage on vour home is in default and the lender
intends to foreclose. Specific information about the nature of the default is provided in
the attached pages.
The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may
be able to help_to save your.home This Notice explains how the program works.
To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING
AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE Take this Notice with you
When you meet with the Counseling Aqency.
The names addresses and phone number of Consumer Credit Counseling Agencies serving your County are
listed at the end of this Notice If you have any questions you may call the Pennsylvania Housing Finance
Agency toll free at 1-800-342-2397,' (Persons with impaired hearing can call 1-717"780-1869).
This Notice contains important legal information. If you have any questions, representatives at the
Consumer Credit Counseling Agency may,be.able.to help explain it. You may also want to contact an
attorney in your area. The local bar association maybe able to help you find a lawyer.
LA NOTIFICAC16N EN ADJUNTO ES DE SUMA IMPORTANCIA; PLIES AFECTA SU DERECHO A .
CONTINUAR VIVIENDO EN SU CASA. S1 NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION
OBTENGA UNA TRADUCC16N INMEDIATAMENTE LLAMANDO ESTA AGENCIA .(PENNSYLVANIA
HOUSING FINANCE AGENCY) SIN ' CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER
ELEGIBLE PARA UN PRESTAMO _POR EL PROGRAMA LLAMADO ,"HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE.PROGRAM" EL .CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL
DERECHO A REDIMIR SU HIPOTECA:
HOMEOWNER'S NAME(S): JOHN STERLING HELWIG
PROPERTY ADDRESS: 3907 ROSEMONT AVE.CAMP HILL, PA 17011
2279081755
LOAN ACCT.NO.:
ORIGINAL LENDER: Countrywide Bank
CURRENT LENDER/SERVICER: Bank of America, N.A.
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE
WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND
HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE
ACT OF 1983(THE"ACT"),YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE:
• IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
• IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS,
AND
• IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING
FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE- Under the Act, you are entitled to a temporary stay of foreclosure on your
mortgage for thirty (30) days from the date of this Notice (plus three (3) days for marling). During that time you must
arrange and attend a"face-to-face"meeting with one of the consumer credit counseling agencies listed at the end of this
Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE-03) DAYS OF THE DATE OF THIS NOTICE. IF
YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP
TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS
HOW TO BRING YOUR MORTGAGE UP TO DATE,
CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies
listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this
meeting. The names addresses and-telephone numbers of designated consumer credit counselinq agencies for the
county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one
face-to-face meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this
Notice (see following pages for specific information about the nature of your default.) You have the right to apply for
financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign
and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer
credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications
for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance
Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA
and received with thirty(30)days of your face-to-face meeting with the counseling agency.
YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. 1F YOU HAVE A MEETING WITH A
COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN
APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY
PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN
THE SECTION CALLED`TEMPORARY STAY OF FORECLOSURE."
YOU HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE
APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR
APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE
WILL BE STOPPED.
AGENCY ACTION-Available funds for emergency mortgage assistance are very limited. They will be disbursed by the
Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60)
days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued
against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania
Housing Finance Agency of its decision on your application.
2279061755
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 up to date).
NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at:
3907 ROSEMONT AVE.CAMP HILL,PA 17011
IS SERIOUSLY IN DEFAULT because
A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the
following amounts are now past due:
Monthly Charges:
Month Due Principal&Interest Escrow Amount Optional Products Total Monthly Charge
Amount Amount
10/01/2013 $676.94 $180.02 $0.00 $856.96
11/01/2013 $676.94 $180.02 $0.00 $856.96
12/01/2013 $676.94 $189.34 $0.00 $866.28
Late
Month Amount
10/01/2013 $33.84
11/01/2013 $33.84
Total Monthly Charges: $2,580.20
Current Late Charges: $67.68
Prior Unpaid Late Charges: $67.68
Total Other Charges/Fees: $0.00
Partial Payment Balance: 276.08)
TOTAL AMOUNT PAST DUE $2,439.48
HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY
PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $2,439.48, PLUS ANY MORTGAGE
PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments
must be made either by cash, cashier's check, certified check or money order made payable and sent to:
Bank of America, N.A. PO Box 15222 Wilmington, DE 19886-5222
IF YOU DO NOT CURE THE DEFAULT- If you do not cure the default within THIRTY (30) DAYS of the date of this
Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire
outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in
monthly installments. If full payment of the total amount past due is not made within THIRTY(30)DAYS,the lender also
intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property.
IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the
mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins
legal proceedings against you, you will still be required to pay the reasonable attorneys fees that were actually incurred,
up to$50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorneys'fees
actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the
lender, which may also include other reasonable costs. If you cure the default within the THIRTY(30) DAY period,
you will not be required to pay attorney's fees.
MIN OTHER LENDER REMEDIES - The lender may also sue you,personally for the unpaid principal balance and all other
sums due under the mortgage.
2279081755
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY
(30)DAY period and foreclosure proceedings have begun,You still have the right to cure the default and prevent the sale
at any time un to one hour before the Sheriff's Sale You may do so by paying the total amount then oast due plus anv
late or other charges then due, reasonable attomey's fees and costs connected with the foreclosure sale and any other
costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements
under the mortgage. Curing your default in the manner set forth'in this notice will restore your mortgage to the
same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the
mortgage property could be held would be approximately six (6) months from the date of this Notice. A notice of
the actual date of the Sheriff's Sale will be sent to you before the sale. Of course,the amount needed to cure the default
will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by
contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender: Bank of America,N.A.
Address: PO Box 5170 Simi Valley,CA 93062-5170
Phone Number: 1-800-669-1904
Fax Number: 1-800-520-5019
Contact Person: General Collections
E-Mail Address: correspondencesupport@bankofamedca.com
This is not a secure email address;privacy is limited.Accordingly,confidential information,including
account information and personally identifiable information should not be transmitted by this non-encrypted email.If you prefer,
to send confidential information via e-mail, please contact,us at the telephone number above, and we will arrange for an
encrypted method of communication.
EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged
property and your right to occupy it. If you continue to live in the property after the Sheriffs sale,a lawsuit to remove you
and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE-You may not sell or transfer your home-to a buyer or transferee who will assume the
mortgage debt, provided that all the outstanding payments, charges and attorneys fees and costs are paid prior to or at
the sale and that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
• TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW
MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS•DEBT.
• TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
• TO HAVE :THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE
YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.)
• TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY
OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
• TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE
LENDER.
• TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
2274061755
HEMAP Consumer Credit Counseling Agencies
PORK County
Report last updated:10(1 W013 10:43 AM
Advantage Credit Counseling Service/CCCS.of Western PA Advantage Credit Counseling Service/CCCS,of.Western PA
2000 Linglestown Road 55 Closer Hill Road
Harrisburg,PA 17102 Dallastown,PA 1.7313
888-511-2227 888-511-2227
Base,Inc. Housing Alliance of York/Y Housing Resources
447 South Prince Street 290.West Market Street
Lancaster,PA 17603 fork,PA 17401
717-392-5467 717-855-2752
PA Interfaith Community Programs Inc
40 E High Street
Gettysburg,PA 17325
717-334-1.518
a
HC
2274083755
HEMAP Consumer Credit Counseling Agencies .
CUMBERLAND County
Report last updated:10/16rM13 10:43 AM
Advantage Credit.Counseling Service/CCCS of Western PA Community Action Commission of Capital Region
2000 Linglestown.Road 1514 Derry Street
Harrisburg,PA 17102 Harrisburg,PA 17104
888-51.1-2227 717-232-9757
Housing Alliance of Yorit/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
Harrisburg,.PA 17102 Chambersburg,PA 17201.
717-234-6616 717-264-5913
PA Interfaith Communih•Programs Inc PHFA
40 E High Street 211.North Front Street
Gettysburg;PA 17325 Harrisburg,.PA 1.71.10
71.7-334-1518 717-780-3940 840-342-2397
HC
2279081755
C3_3222_BRECD[SC 15353 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: http://www,bankofameriGa.com/defaultfees, If
you do not have internet access, please contact us at 1-800-669-6607, Monday through Thursday 8 a.m. - 11
p.m. Eastern, Friday 8 a.m. -9 p.m. Eastern, Saturday 9 a.m. -3 p.m. Eastern, to have a fee schedule mailed to
you. The fee schedule contains a complete list of the default-related services you could be charged, but does
not include a complete list of all fees or charges that could be assessed on your loan account.
MILITARY PERSONNEL/SERYICEMEMBERS: 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.
2279081755
C3_3222_BRECDISC 15353 09/24/12
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 sabre 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 este obligado(a) a hablar de su
prestamo para vivienda con nosotros ni-a participar en un programa de modificaci6n de prestamos u otro
programa de asistencia para pr6stamos. Usted debe consultar con su abogado especializado en quiebras'u otro
asesor acerca de sus opciones y derechos legales.
Bank of America, N.A., el administrador de su prestamo para vivienda este 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 prestamo que podria resultar en la
aceleraci6n de todas las cantidades adeudadas bajo el Pagare. Como resultado, Bank of America, N.A. utilizara
companias, incluyendo sus afiliados LandSafe Default, Inc.,. LandSafe Services, LLC., LandSafe Title of
California, Inc., LandSafe Title of Washington, Inc., LandSafe Title of Florida, Inc., LandSafe Services of
Alabama, Inc., LandSafe Title of Texas, Inc., ReconTrust Company, NA, y Landsafe Appraisal Services, Inc.,
para proporcionar servicios necesarios para proteger los intereses del Titularen la propiedad y sus derechos
bajo el'instrumento de seguridad y el pagare, incluyendo cualquiera de sus recursos(los"Servicios relacionados
a un incumplimiento"). Bank of America, N.A. aplicara cargos a la cuenta de su prestamo por los servicios
relacionados a un incumplimiento, incluyendo los servicios proporcionados por sus afiliados. Una lista de los
cargos que:podrian cobrarse a su cuenta por servicios relacionados a un incumplimiento este disponible en el
sitio de Internet: fhtto://www.bankofamerica.com/defaultfeesl. Si usted no tiene acceso a internet, por.favor
comuniquese con nosotros al 1-800-669-6607 de tunes a jueves de 8 a. m. a 11 p. m. hora del este, viernes de 8
a. m. a 9 p. m. hora del este, sabados 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 prestamo.
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 leges estatales comparables otorgan protecciones y beneficios
significativos al personal del servicio militar que califiaue, incluidas protecciones contra la ejecuci6n hipotecaria
asi como tambien ayuda en la tasa de interes. Para obtener m6s informaci6n y determiner 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.
a
2279081755
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
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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 (RAMP) 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.
1 + 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, I
i and/or costs assessed to your loan.
Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments
j Forbearance for a period of time, to allow you to re-establish your ability to make the required payments.
Agreement
° s 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
1 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
jloans only) you are now able to make your regular monthly mortgage payment, this program is designed to
I 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
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?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
1 Program (HAFA) short sale is a transaction in which you sell your property for less than the total amount owed o
j the loan (subject to agreement by'your servicer/lender/investor), resulting in the release of our
I lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a transaction in:
i 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,
1 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
z (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.
2279081755
C3_5088 OPTAVDFC 15319 09/24/2012
Hay opciones disponibles para ayudarle a
Evitar la Ejecucion Hipotecaria
Llame al numero que aparece en la notification adjunta para obtener mas
informad6n
Cuando llame, par favor tenga a la mano la information de sus ingresos y gastos para que podamos
discutir cubles opciones podrian funcionar para usted.
Opciones a considerar si su objetivo es permanecer en su casa
t'ragramaes >Epclln
Home Affordable Es un programa del gobierno federal que le permite pagar el prestamo bajo los nuevos
Modification terminos acordados, que pueden induir la reduction de la tasa de interes, agregar
i Program (HAMP) cantidades vencidas al final del prestamo, y/o extender el plazo del prestamo. 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 dolares para una vivienda unifamiliar, $934,200 dolares para una
propiedad de 2 unidades, $1,129,250 dolares para una propiedad de 3 unidades o
$1,403,400 para una propiedad de 4 unidades
i . Usted ha documentado que atraviesa par 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 prestamo hipotecado no ha sido condenada o no este ,
en malas condiciones fisicas tomo para no poder habitarse incluso si no estA
condenada. i
La hipoteca estA garantizada por una propiedad de una a cuatro unidades.
j Restablecimiento Si usted puede poner al dia los pagos de su prestamo, aceptaremos los fondos
{
del Prestamo necesarios para que el prestamo este al dia pasta la fecha de la venta por ejecucion
i hipotecaria.
Plan de Pago Un plan de pago le permite a usted hater sus pagos hipotecados regulares, ademas de
pagar una portion de los montos vencidos a traves del tiempo. Esto puede induir capital,
interes,cargos o eostos aplieados a su prestamo.
Acuerdo Temporal Es un acuerdo en el cual aceptamos no proceder con la ejecucion hipotecaria y/o el
de Tolerancia por cobro de los pagos por un periodo de tiempo, para permitirle que restablezca su
incumplimiento habilidad de hacer los pagos requeridos.
Modificacion de Una modification del prestamo es un cambio en los terminos originales de su prestamo,
I Prestamo Las modificaciones podrian incluir reducir su tasa de interes, extender el termino o la
(no por medio de fecha de pago del prestamo, cambiar de un prestamo de tasa de interes ajustable a uno
HAMP) de tasa de interes fija, diferir una parte del saldo del capital impagado al final del
prestamo, y!o condonar una parte del saldo de capital impagado.
Reclamo Parcial Si usted tiene un prestamo de la Administration Federal de Vivienda(FHA)y sus pagos
(solamente estan vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca,
I prestamos de la este programa est6 disenado para que su prestamo este al dia mediante la creation de
FHA) una segunda hipoteca J gravamen sobre su propiedad por el monto que estA vencido.
2279081755
C3_5088 OPTAVDFC 15319 09/24/2012
Opciones a considerar si no puede o no desea quedarse en su Casa
rmgralr� 4 y � � .�esivO clti�n �
Home Affordable Disenado para ayudar a los prestatarios que califican para el Programa de Home
Foreclosure Affordable Modification (HAMP), perp no consiguieron obtener Una modificaci6n
Alternatives Program Permanente a traves del programa. HAFA ofrece la posibilidad de Una vents en
(HAFA) descubierto y, si no tiene exito, Una escritura de traspaso voluntario de propiedad en
Lugar dela ejecucion hipotecaria. Una venta en descubierto es Una transacci6n en la que
usted vende su propiedad por menos de la cantidad adeudada en el prestamo (suieto.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 ejecucion
i hipotecaria es Una transacci6n en la que usted esta de acuerdo de transferir
voluntanamente las escrituras de su propiedad a nosotros con el fin de evitar la
ejecuci6n hipotecaria.
Venta en descubierto Si usted ya no puede hacer sus pagos hipotecarios y su vivienda valemenos de to que
Venta previa,a la usted adeuda; Una vents en descubierto le podria permitir vender su vivienda .para pagar
ejecucion hipotecaria la hipoteca. En una vents en descubierto, el prestamista acepta.recibir Una monto
(no por medio.de menor de to que actualmente se adeuda en el prestamo. Se ofrece a los prestatarios que
i HAFA) no califican para HAMP o para otras alternativas de retenci6n de la vivienda.
Escritura de traspaso Se usa comp una alternativa de la ejecucion hipotecaria. Con Una escritura de traspaso i
de propiedad en voluntario de propiedad en Lugar de la'ejecuci6n hipotecaria, usted transfiere la
; Lugar de la ejecuci6n titularidad de su vivienda y toda la propiedad que garantiza su prestamo hipotecario.
hipotecaria(no por Esto puede hacer que el monto total vencido de esa hipoteca se considere Como
medio de HAFA) pagado. Se ofrece a prestatarios que no califican para HAMP u otras.opciones de
retenci6n de vivienda, y que no pudieron vender la propiedad a traves de una,vents en
descubierto.
Estamos aqui para ayudarle. Por favor llamenos hoy.
Eli
2279083755
1664 THE COURTS
FORM 1
BANK OF AMERICA,N.A., SUCCESSOR € IN THE COURT OF COMMON PLEAS
BY MERGER TO BAC HOME LOANS CUMBERLAND COUNTY,
SERVICING,LP FKA COUNTRYWIDE PENNSYLVANIA
HOME LOANS SERVICING LP
7105 Corporate Drive
Plano,TX 75024,
of S� 600q/ c �.
Plaintiff, -c_
Q0 ,..
Vs.
i
John Sterling Helwig
3907 Rosemont Ave
Camp Hill,PA 17011,
Defendant
NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE
DIVERSION PROGRAM
home. You have been served with a foreclosure complaint that could cause you to lose your
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 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.
PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012
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 uponu
of the foreclosure complaint. If you do so and a conciliation conference is scheduled,you will yo
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.
1R:)berFtWq. Wilffi11ns,
ectfully submitted:
S
Date Esquire
Milstead&Associates,LLC
I E. Stow Road
Marlton,NJ 08053
856-482-1400
856-482-9190 (f)
PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012
THE COURTS
1665
FORM 2
Cumberland County Residential Mortgage Foreclosure Diversion Program
Date Financial Worksheet
Cumberland County Court of Common Pleas Docket#
BORROWER REQUEST FOR HARDSHIP ASSISTANCE
To complete your request for hardship assistance, your lender must consider your circumstances
to determine possible options while working with your
Please provide the following information to the best of your knowledge.
Borrower name(s):
Property Address:
City:
Is the property for sale? Yes No State: Zip:
❑ ❑ Listing date: Price:$
Realtor Name:
Borrower Occupied? Yes❑No❑ Realtor Phone:
Mailing Address(if different):
City:
Phone Numbers: Home: Office: State: Zip:
Email: Cell: Other:
#of people in household:
How long?
Mailing Address:
City:
Phone Numbers: State: Zip:
Home: Office:
Email: Cell: Other:
#of people in household:
How long?
10 SuMmEwl
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:$
Date of Last Payment: Included Taxes&Insurance:
Primary Reason for Default:
Is the loan in Bankruptcy?Yes❑No❑
45.37129
PENNSYLVANIA BULLETIN,VOL.42,NO.13,MARCH 31,2012
1666
THE COURTS
If yes,provide names,location of court,case number&attorney:
Assets Amour ed:
Home: Value:
$ $
Other Real Estate: $ $
Retirement Funds: $
Investments: $
Checking:
Savings: $
Other: $
Automobile 41:Model:
Amount Owed: Value: Year:
• '
Automobile#2:Model:
Amount Owed: Year:
Value:
Other transportation(automobiles boats mnrn
rcvcles) Model:
Year: Amount Owed:
Value
Monthly Income
Name of Employees:
1.
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
Mort a e AMOUNT
2" Mort a e Food
Car Pa ment s Utilities
Auto Insurance Condo/Neigh.Fees
Auto fuel/re airs Med. not covered
Install.Loan Pa ments Other ro a ment
Child Su ort/Alim. Cable TV
Da /Child Care/Tuit. S endin Mone
Other Ex enses
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:
45.37129
2
PENNSYLVANIA]BULLETIN,VOL.42,NO.13,MARCH 3l,2012
THE COURTS
Email: 1667
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 our
delinquency?
Y
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:
I/We,
named far
authorize the above
evaluating my financial situation for p ssible/mortg use/mortgage optionsrefer this tion u
I/We nde stand th t'Icer/we a the sole Purpose of
obligation to use the services provided by the above named to Y mare under no
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)
market) Listing agreement(if property is currently on the
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
x+�
OFF ICE OFrixt ruR�FF
1 1: Ch i
10;1 i
pt:--tltisylj
Bank of America, N.A. Successor by Merger to BAC Home Loans Servicing,
vs.
John Sterling Helwig
Case Number
2015-41
SHERIFF'S RETURN OF SERVICE
01/07/2015 06:46 PM - Deputy Jamie DiMartile, being duly sworn according to law, served the requested Complaint
in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Gail Helwig,
wife, who accepted as "Adult Person in Charge" for John Sterling Helwig at 3907 Rosemont Avenue,
Lower Allen, Camp Hill, PA 17011.
At,
MIE DIMARTILE, DEPUTY !
SHERIFF COST: $45.25 SO ANSWERS,
January 08, 2015
(c) CountySuite Sheriff, Teleosott, Inc.
RONNR ANDERSON, SHERIFF