HomeMy WebLinkAbout15-0193 Supreme Co: " ennsylvania
COUA.P Om 0O +leas For Prothonotary Use Only: f
C iI Mon t
Docket No '
yI
Cu y` County
The information collected on this form is used solely for court administration purposes. .This form does not
supplement or replace the filing and service ofpleadings or other papers as required by law or rules of court.
Commencement of Action:
S
[H] Complaint 0 Writ of Summons Petition
Transfer from Another Jurisdiction Declaration of Taking
E Lead Plaintiffs Name: Lead Defendant's Name:
C LSF8 MASTER PARTICIPATION TRUST ROY K. CARBAUGH
T Dollar Amount Requested: Owithin arbitration limits
I Are money damages requested? ix Yes 0 No (check one) outside arbitration limits
O
N Is this a Class Action Suit? 0 Yes El No Is this an MDJAppeal? 0 Yes 0 No
A Name of Plaintiff/Appellant's Attorney: KERI P. EBECK, ESQUIRE
Check here if you have no attorney(are a Self-Represented (Pro Se] Litigant)
Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your
PRIMARY CASE. If you are making more than one type of claim,check the one that
you consider,most important.
TORT(do not include Mass Tort) CONTRACT(do not include Judgments) CIVIL APPEALS
0 Intentional 0 Buyer Plaintiff Administrative Agencies
0 Malicious Prosecution 0 Debt Collection:Credit Card 0 Board of Assessment
Motor Vehicle 0 Debt Collection:Other 0 Board of Elections
0 Nuisance 0 Dept.of Transportation
® Premises Liability Statutory Appeal:Other
S Product Liability(does not include
Employment Dispute:
mass tort)
E 0 Slander/Libel/Defamation Discrimination
C 0 Other: ®Employment Dispute:Other 0 Zoning Board
,r 0 Other:
T 0 Other:
O MASS TORT
0 Asbestos
N Tobacco
0 Toxic Tort-DES
0 Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS
0 Toxic Waste 0 Ejectment 0 Common Law/Statutory Arbitration
B 0 Other: 0 Eminent Domain/Condemnation 0 Declaratory Judgment
0 Ground Rent 0 Mandamus
0 Landlord/Tenant Dispute 0 Non-Domestic Relations
Mortgage Foreclosure:Residential Restraining Order
PROFESSIONAL LIABLITY 0 Mortgage Foreclosure:Commercial 0 Quo Warranto
0 Dental 0 Partition 0 Replevin
0 Legal 0 Quiet Title 0 Other:
0 Medical 0 Other:
0 Other Professional:
Updated 1/1/2011
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
LSF8 MASTER PARTICIPATION TRUST,
Plaintiff,
NO.V.
e .
ROY K. CAR Al AND V
BETTY J. BASS, ISSUE NO.:
Defendants, CODE:
TO:DEFENDA7HEBY
YOU ARE OTIFIED TO PLEAD TO THETYPE OF PLEADING:ENCLOSED CITHIN TWENTY(20)DAYS FROMSERVICE EDEFAULT JUDGMENT MAY BE
ENTERED aGO . COMPLAINT IN MORTGAGE
WELTM N, IS CO.,LSP A. FORECLOSURE
By: .
ATT R E OR ATT F'
IHB 'TIFY E fADDRESS OF PLAINTIFF 1S: FILED ON BEHALF OF:
c/o Ca i er me ns,Inc. •PLAINTIFF
13801 it ss Wa
Okla m ity,O 73134
COUNSEL OF RECORD FOR THIS PARTY:
AND E DEF TS E:
137 Oak Flat R d
Newville,Pa,17 4 Keri P. Ebeck,Esquire
Pa. I.D. #91298
WELTMAN, RG IS O.,L.P.A.
BY: WELTMAN, WEINBERG&REIS CO., L.P.A.
ATTOR YS RP NTIFF Firm•.#339
I HERE CE H, ATE LOCATION OF THE REAL 436 7th Avenue, Suite 2500
ESTAT FF TH IEN IS: Pittsburgh, PA 15219
137 Oa lat ad 412 434-7955 .
Newvill Pa,1 1
Towns p of st en sbo
WELTMAN, INB R &R IS .,L.P. .
BY:
ATTORN S FO LAINT F
WW.R#20755508
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
LSF8 MASTER PARTICIPATION TRUST, i
Plaintiff,
V. NO:
ROY K. CARBAUGH AND
BETTY J. BASS,
Defendants,
NOTICE'TO DEFEND
You have been sued in Court. If you wish to defend against the claims set forth in the following
pages, you must take action within twenty (20) days after this Complaint and Notice are served, by
entering a written appearance personally or by attorney and filing in writing with the Court your
defenses or objections to the claims set forth against you. You are warned that if you fail to do so
the case may proceed without you and a judgment may•be entered against you by the Court
without further notice for any money claimed in the Complaint or for any other claim or relief
requested by the plaintiff. You may lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH
BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING
.A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE
ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY
OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO
FEE.
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PENNSYLVANIA 17013
TELEPHONE NUMBER: (717)249-3166
WWR420755508
= j
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
LSF8 MASTER PARTICIPATION TRUST,
Plaintiff,
V. NO:
ROY K: CARBAUGH AND
BETTY J. BASS,
Defendants,
CIVIL ACTION-COMPLAINT IN MORTGAGE FORECLOSURE
And now, comes Plaintiff by and through its attorneys, Wellman, Weinberg & Reis Co.,.L.P.A.,
and files this Complaint in Mortgage Foreclosure,averring in support thereof the following:
1. The Plaintiff is LSF8 Master Participation Trust, a lending institution duly authorized to
conduct business within the Commonwealth of Pennsylvania (hereinafter "Plaintiff') with an address of
c/o Caliber Home Loans, Inc., 13801 Wireless Way, Oklahoma City, OK 73134.
2. Defendants, Roy K. Carbaugh and Betty J. Bass, are adult individuals whose last known
address is 137 Oak Flat Road,Newville, PA, 17241.
3. On or about April 23, 2002, the Defendants, Roy K. Carbaugh and Betty J. Bass, executed
a Loan Repayment and Security Agreement (hereinafter the "Note") in the original principal amount of
$86,853.28. A true and correct copy of said Note is marked Exhibit "A", attached hereto and made a part
hereof.
4. On or about April 23, 2002, as security for payment of the aforesaid Note, the
Defendants, Roy K. Carbaugh and Betty J. Bass, made, executed and delivered to Household Finance
Consumer Discount Company, a Mortgage in the original principal amount of $86,853.28 on the
premises located at 137 Oak Flat Road,Newville, PA, 17241, hereinafter described, said Mortgage being
recorded in the Office of the Recorder of Deeds of Cumberland County on July 18, 2005 at Volume
WWR#20755508
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1914, Page 4556. A true and correct copy of said Mortgage containing a description of the premises
subject to said Mortgage is marked Exhibit "B", attached hereto and made a part hereof.
5. Household Finance Consumer Discount Company assigned all of its right, title, and
interest in to the Mortgage to LSF8 Master Participation Trust. Said Assignment being recorded on
September 2, 2014, as Instrument Number 201419582. A true and correct copy of said Assignment is
attached hereto as Exhibit"C".
6. Defendants are the current record and real owners of the aforesaid mortgaged premises.
7. Defendants are in default under the terms of the aforesaid Note and Mortgage.
8. Demand for payment has been made upon the Defendants by Plaintiff, but Defendants were
unable to pay the principal balance,interest or any other portion thereof to Plaintiff.
9. On or about August 6, 2014, Defendants were mailed Notice of Homeowner's Emergency
Assistance Act of 1983, in compliance with the Homeowner's Emergency Assistance Act, Act 91 of
1983 and pursuant to 12 PA Code Chapter 31, Subchapter B, Section 31.201 et seq. A true and correct
copy of said Notice is attached hereto as Exhibit"D".
10. The amount due and owing Plaintiff by Defendants are as follows:
Principal $62,265.44
Interest thru 12/07/14 $10,353.74
Deferred Modified Interest $ 3,186.55
Corporate Advance $ 127.50
Inspections $ 40.00
Attorneys' Fees $ 1,325.00
Title Search $ 200.00
TOTAL $77,498.23
11. 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 the Sale,reasonable attorney's fees will be charged.
WWR#20755508
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12. Contemporaneously hereunder,Defendants have been advised of the right to dispute the
validity of this debt or any part thereof, pursuant to the Fair Debt Collection Practices Act 30 Day Notice,
attached hereto marked Exhibit`B"and made a part hereof.
WHEREFORE, Plaintiff demands Judgment, in rem only,in Mortgage Foreclosure, for the amount
due of$77,498.23,with interest thereon at the rate of$15.69 per diem from December 8,2014,plus costs,
in addition to late charges and for foreclosure and sale of mort ged premises.
WELTM W, INE C & REIS CO., L.P.A.
.i
Keri P. Eec�, Esq i e
Pa. I.D. #9098
Attorne f r Plain 'ff
436 7`" enue,SS ite 2500
Pittsb ,PA 1 219
(412) 4-7955
WWR#20755508
¢ LOAN REPAYMENT AND SECURITY AGREEMENT (Page 1 of 3)
LENDER (called "We", "Us", "Our")
HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY
25 GATEWAY DRIVE
1 GATEWAY SQUARE/SUITE 107
I MECHANICSBURG PA 17055
BORROWERS (called "You", "Your") LOAN NO: 03-751
CARBAUGH, ROY
SS# X0623
BASS, BETTY J
SS# 11MV494
137 OAK FLAT R0
NEWVILLE PA 17241
GATE OF LOAN FIRST PAYMENT DUE OATS OTHERS $CHEDULE0 MATORITY CONTRACT BATF
SAME OAT OF DATE (per yeeu
04123/2002 05/2312002 EACH MONTH 04123/2 10.596 x
AMOUNT FINANCED I PRINCIPAL
85,853.2819 86,853.28
FEE OFFICIAL FEES
s 00 S .00
LIFE INS PREMIUM' DISABILITY INS PREMIUM" IUI PREMIUM
% 5,854.78 is NONE is NONE
RMSONMO WSALLMENT TERM PERIOD
801.21 . 807.27 360
YOU ARE GIVING US A SECURITY INTEREST IN THE REAL ESTATE LOCATED AT THE ABOVE ADDRESS.
REQUIRED INSURANCE. You must obtain insurance for term of loan covering security for this loan as indicated by the
word"YES" below,naming us as loss Payee:
YES Title insurance on real estate security.
YES Hazard Insurance on real estate security.
You may obtain any required insurance from anyone you choose and may assign any other policy of insurance
you own to cover the security for this loan.
(See "Security" paragraph above for description of security to be insured.)
NOTICE: THE FOLLOWING PAGES CONTAIN ADDITIONAL CONTRACT TERMS.
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MC978F30E1A92CEAB000PAB652110axCARBAUGH M ORIGINAL
LOAN REPAYMENT AND SECURITY AGREEMENT (Page 2 of 3)
PAYMENT. In return for your loan described below, you agree to pay us,.the Principal and Interest computed at the
Contract Rate (as stated on page one). Principal is Amount Financed,plus The Fee. You shall pay us monthly payments,
at our business address or other address given you.If more than one Borrower is named on page one,we may enforce this
Contract against all,or aUtBorrowers,
Charges,' but not in a hen to Interest at the Contrabined amount ct Rate for the actualamount
time outstanding, and the
yment will
be first applied to Y
remainder to your unpaid Principal.
DATE ON WHICH INTEREST BEGINS.If you do not cancel this loan,the date on which Interest begins,payment dates,
and effective date of insurance purchased are postponed by the number of days from this contract's date to date you
receive'this loan.
ADJUSTMENT TO CONTRACT RATE. The Contract Rate, as shown on page one, will decrease by one half of one
percent (.50%) at the end of the 3rd year (36th month), the 4th year (48th month) and the 5th year (60th month)
(collectively the "Rate Reduction"), ade within 30 days
date, filed
petition under the U.S. a kupYCoaedring the months;preceding the Reduction. Rate Reduction will take
effect no later than the first payment due date following the 36th,48th,and 60th month anniversary dates from the date of
the contract.Even if the rate is decreased,the monthly payment will not be adjusted,thus the total loan amount will be
paid in full sooner than the final payment due date shown on page one,assuming all payments are
payment is made more on their due dthan
Notwithstanding anything to the contrary in this paragraph,if,before any Rate Reduction,any
30 days after the due date, or you have filed a petition under the U.S. Bankruptcy Code, you will not receive the Rate
Reduction following such event.
mount Financed as shown on Truth-In-Lending disclosure form. If pay-outs
PAYOUTS. You agree to pay-outs of A
change because loan closing is delayed, (a) you shall pay additional amounts due at closing,or(b) your cash or check will
be reduced to cover additional payouts.
PREPAYMENT.You may prepay your loan at any time.If you fully prepay before the final due date, the Points are fully
earned when this loan is made,and you will not receive a refund of that part of the Finance Charge consisting of Points.
LATE CHARGE. If you don't pay any payment in full within 15 days after it's due, you will also pay a late charge equal
to 10°I of the monthly payment or$29,whichever is greater. ;
BAD CHECK CHARGE.We will charge you a fee of$20 if any payment check is returned because of insufficient funds I)
or is otherwise dishonored.You agree that we may deduct this charge from a monthly payment.
SECURITY.There is a mortgage on your real estate,located at your address shown on page one,unless a different address
is stated. You agree to give us a security interest in the real estate as described in the MortgagelDeed of Trust.
PROPERTY INSURANCE:
A. YOUR OBLIGATION TO INSURE. You shall keep the structures located on the real property securing this loan
insured against damage caused by fire and other physical hazards,name us as a loss payee and deliver to us a loss payable
endorsement.If insurance covering the real property is cancelled or expires while the loan is outstanding and you do not
reinstate the coverage,we may obtain,at our option,hazard insurance coverage protecting our interest in the real property
as outlined below.
B.LENDER'S RIGHT TO PLACE HAZARD INSURANCE.You authorize us,at our option, to obtain coverage on the
Property in an amount not greater than the outstanding balance of principal and interest on the loan or,if known to be less,
the replacement value of the Property,in the event that you fail to maintain the required hazard insurance outlined above
or fail to provide adequate proof of its existence.You authorize us to charge you for the costs of this insurance and add the
insurance charges to your loan. The Insurance charges will be added to the unpaid balance of the loan which accrues
interest at the Contract Rate. The addition of the insurance charges due might increase the amount of your final
installment.The cost of Lender placed hazard insurance might be higher than the cost of standard insurance protecting the
I property. The Lender placed insurance will not insure the contents of the property or provide liability coverage. The
insurance might not be the lowest cost coverage of its type available and you agree that we have no obligation to obtain the
lowest cost coverage. We or an affiliated company might receive some benefit (i.e. commission, service fee, expense
reimbursement, etc.) from the placement of this insurance and you will be charged for the full cost of the premium
without reduction for any such benefit. If at any time after we have obtained this insurance,you provide adequate proof
that you have subsequently purchased the required coverage, we will cancel the coverage we obtained and credit any
unearned premiums to your loan.
NOTICE: THE FOnnLLOWIIINGpp PAGE CONTAINS ADDmDITIONAL CmmONTRIIIAII��ICT TERMS. PABB5212
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LOAN REPAYMENT AND SECURITY AGREEMENT (Page 3 of 3)
DEFAULT. If you don't pay on time or fail to keep any required insurance in force, or if permitted in the event of
default under the Mortgage, (1) all your payments may become due at once and, (2) without notifying you before
bringing suit, we may sue you for the entire unpaid balance of Principal and accrued Interest and (3) any judgment in
our favor may include our reasonable attorney's fee and court costs as determined by the court. You agree that,should
we obtain judgment against you, a portion of your disposable earnings may be attached or garnished (paid to us by
your employer), as provided by Federal law. You agree to pay interest on any judgment at the Contract Rate.
CREDIT REPORTING AND CUSTOMER INFORMATION PRACTICES. If you fail to fulfill the terms of your
credit obligation,.q negative report reflecting on your credit record may be submitted to a Credit Reporting Agency.
You agree that the Department of Motor Vehicles (or your state's equivalent of such.department) may release your
residence address to us, should it become necessary to locate you. You agree that our supervisory personnel may listen
to telephone calls between you and our representatives in order to evaluate the quality of our service to you. For more
information regarding our privacy practices, please refer to.our Privacy Statement, which is included with your loan
documents.
OPTIONAL INSURANCE. Optional credit insurances .and any required insurance disclosures are. attached to, this
Agreement and are incorporated herein by reference.
ALTERNATIVE DISPUTE RESOLUTION AND OTHER RIDERS. The terms of the Arbitration Agreement and any
other Riders signed as part of this loan transaction are incorporated into this Agreement by reference.
APPLICABLE LAW. This loan is made at an agreed rate authorized by Section 501(a), Part A, Title V, Public Law
96-221, also known as Section 1735f-7a, Title 12, United States Code (USC). This Agreement also qualifies as an
"alternative mortgage transaction" under the Alternative Mortgage Transaction Parity Act section of the Garn-St.
Germain Depository Institutions Act of 1982, Sections 3801 through 3806, Title 12, USC. Regulations issued by the
Office of Thrift Supervision, Department of the Treasury, also govern. -
If you do not pay the full amount of an instalment when it is due, and.we intend to foreclose on the Mortgage, we
must comply with the.provisions of Section 403 and 404 of the Act of January 30, 1974, which is known as Act No. 6,
and the provisions of the Homeowner's Emergency Mortgage Assistance Act (Act No. 91 of 1983).
ANY ADVANCE OF FUNDS PURSUANT TO THIS LOAN REPAYMENT AND SECURITY AGREEMENT
AND THE MORTGAGE WHICH SECURES THE AGREEMENT MAY, IN THE EVENT OF ANY
DEFAULT, RESULT IN THE LOSS OF YOUR HOME OR OTHER REAL PROPERTY PLEDGED AS
SECURITY FOR YOUR LOAN.
YOU HAVE RECEIVED A COMPLETE
COPY OF THIS AGREEMENT AND THE
TRUTH-IN-LENDING DISCLOSURES.
BORROWERS:
(SEAL)
(SEAL)
(SEAL)
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*C970F3OE7A992CEAUS000PASS521131ONKCARBAUGH K OR1019AL
ALLONGE TO NOTE
Caliber Document ID#: 152668
Account Number: 994
Allonge to Note Dated: 4/23/2002
And Executed by: ROY CARBAUGH
BETTY CARBOUGH BASS
Property Address: 137 OAK FLAT RD
NEWVILLE,PA 17241
Loan Amount: $86,853.28
-- ---------- Pay-- the=ord ull--- ---
------------
Without recourse: HOUSEHOLD FINANCE CONSUMER DISCOUNT
COMPANY,BY CALIBER HOME LOANS,INC.,AS
ITS ATTORNEY IN FACT
By: Mindi Hernandez
Title: Authorized Signatory
da sk4 r(o
t SEI.T F. ZIEGLER
'JUL $ 7 2005 RECJiiDER OF DEEDS
r` $1:RLA,!D C01.111T'."
713 JMORTGADUAM'
JL 18 nn10 24 JUL 2 3 2Go�
IF BOX IS CHECKED, THIS MORTGAGE IS AN OPEN-END MORTGAGE AND
SECURES.FUTURE ADVANCES.
THIS MORTGAGE is made this day 23RD of APRIL 2002 , between the
Mortgagor, ROY K. CARBAUGH AND BETTY J. BASS,
herein "Borrower")and ortgagee HOUSEHOLD F I NANCE CONSUMER D I SCOUNT COMPANY
a corporation organized and existing under the laws of PENNSYLVANIA , w ose
address is 25 GATEWAY DR 1 VE, GATEWAY SOUARE 17055
(herein"Lender" .
EEThe following paragraph preceded by a checked box is applicable. -
X WHEREAS, Borrower is indebted to Lender in the principal sum of$ 86,853.28
evidenced by Borrower's Loan Repayment and Security Agreement or Secondary Mortgage Loan
Agreement dated APR I L 23, 2002 and any extensions or renewals thereof (herein
"Note"), providing for monthly installments of principal and interest, including any adjustments to the
amount of payments or the contract rate if that rate is variable,with the balance of the indebtedness, if
not sooner paid,due and payable on APR I L 23, 2032
EJWHEREAS, Borrower is indebted to Lender in the principal sum of$
or so much thereof as may be advanced pursuant to Borrower's Revolving an greement ted
and extensions and renewals thereof (herein "Note"), providing for
monthly installments, and interest at the rate and under the terms specified in the Note, including any
adjustments in the interest rate if that rate is variable, and providing for a credit limit stated in the
principal sum above and an initial advance of$
TO SECURE to Lender the repayment of (1) the indebtedness evidenced by the Note, with
interest thereon, including any increases if the contract rate is variable; (2) future advances under any
I Revolving Loan Agreement; (3) the payment of all other sums, with interest thereon, advanced in
accordance herewith to protect the security of this Mortgage; and (4) the performance of the covenants
and agreements of Borrower herein contained, Borrower does hereby mortgage, grant and convey to
Lender and Lender's successors and assigns the following described property located in the County of
CUMBERLAND Commonwealth of Pennsylvania:
ALL THAT CERTAIN PROPERTY SITUATED IN THETOWNSHIP OF WEST
PENNSBORO IN THE COUNTY OF CUMBERLAND AND COMMONWEALTH OF
PENNSYLVANIA, BEING MORE FULLY DESCRIBED IN A DEED DATED
11/04/1983 AND RECORDED 11/01/1985, AMONG THE LAND RECORDS
OF THE COUNTY AND STATE SET FORTH ABOVE, IN DEED VOLUME 0-31
PA0012A1
-ANgIrAGE 545. TAX MAP OR PARCEL ID NO. : 46-09-0517-005R
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TOGETHER with all the improvements now or hereafter erected on the property, and all
easements, rights,appurtenances and rents,all of which shall be deemed to be and remain a part of the
property covered by this Mortgage; and all of the foregoing, together with said property (or the
leasehold estate if this Mortgage is on a leasehold)are hereinafter referred to as the"Property."
Borrower covenants that Borrower is lawfully seised of the estate hereby conveyed and has the right
to mortgage, grant and convey the Property, and that the property is unencumbered, except for
encumbrances of record. Borrower covenants that Borrower warrants and will defend generally the title
to the Property against all claims and demands,subject to encumbrances of record.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
I. Payment of Principal and Interest at Variable Rates. This mortgage secures all payments of
principal and interest due on a variable rate loan. The contract rate of interest and payment amounts
may be subject to change as provided in the Note. Borrowers shall promptly pay when due all amounts
required by the Note.
2. Funds for Taxes and Insurance.Subject to applicable law or waiver by Lender,Borrower shall
pay to Lender on the day monthly payments of principal and interest are payable under the Note, until
the Note is paid in full,a sum (herein "Funds") equal to one-twelfth of the yearly taxes and assessments
(including condominium and planned unit development assessments, if any) which may attain priority
over this Mortgage and ground rents on the Property, if any, plus one-twelfth of yearly premium
installments for hazard insurance, plus one-twelfth of yearly premium installments for mortgage
insurance, if any, all as reasonably estimated initially and from time to time by Lender on the basis of
assessments and bills and reasonable estimates thereof. Borrower shall not be obligated to make such
payments of Funds to Lender to the extent that Borrower makes such payments to the holder of a prior
mortgage or deed of trust if such holder is an institutional lender.
If Borrower pays Funds to Lender,the Funds shall be held in an institution the deposits or accounts
of which are insured or guaranteed by a Federal or state agency (including Lender if Lender is such an
institution). Lender shall apply the Funds to pay said taxes, assessments, insurance premiums and
ground rents. Lender may not charge for so holding and applying the Funds, analyzing said account or
verifying and compiling said assessments and bills, unless Lender pays Borrower interest on the Funds
and applicable law permits Lender to make such a charge. Borrower and Lender may agree in writing at
the time of execution of this Mortgage that interest on the Funds shall be paid to Borrower, and unless
such agreement is made or applicable law requires such interest to be paid,Lender shall not be required
to pay Borrower any interest or earnings on the Funds. Lender shall give to Borrower, without charge,
an annual accounting of the Funds showing credits and debits to the Funds and the purpose for which
each debit to the Funds was made.The Funds are pledged as additional security for the sums secured by
this Mortgage.
If the amount of the Funds held by Lender,together with the future monthly installments of Funds
payable prior to the due dates of taxes,assessments,insurance premiums and ground rents,shall exceed
the amount required to pay said taxes, assessments, insurance premiums and ground rents as they fall
due, such excess shall be, at Borrower's option, either promptly repaid to Borrower or credited to
Borrower on monthly installments of Funds. If the amount of the Funds held by Lender shall not be
sufficient to pay taxes,assessments, insurance premiums and ground rents as they fall due, Borrower
shall pay to Lender any amount necessary to make up the deficiency in one or more payments as Lender
may require.
Upon payment in full of all sums secured by this Mortgage, Lender shall promptly refund to
Borrower any funds held by Lender. If under paragraph 17 hereof the Property is sold or the Property
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is otherwise acquired by Lender, Lender shall apply, no later than immediately prior to the sale of the
Property or its acquisition by Lender, any Funds held by Lender at the time of application as a credit
against the sums secured by this Mortgage.
.3, Application of Payments. Except for loans made pursuant to the Pennsylvania Consumer
Discount Company Act,all payments received by Lender under the Note and paragraphs l and 2 hereof
shall be applied by Lender first in payment of amounts payable to Lender by Borrower under paragraph
2 hereof,then to interest,and then to the principal.
I 4. Prior Mortgages and Deed of Trust; Charges; Liens. Borrower shall perform all of
Borrower's obligations under any mortgage, deed of.trust or other security agreement with a lien which
' has priority over this Mortgage,including Borrower's covenants to make payments when due. Borrower
shall pay or cause to be paid all taxes,assessments and other charges,fines and impositions attributable
to the Property which may attain a priority over this Mortgage,and leasehold payments or ground rents, 1
if any.
3. Hazard Insurance. Borrower shall keep the improvements now existing or hereafter erected on
the Property insured against loss by fire,hazards included within the term "extended coverage," and such
other hazards as Lender may require.
1 The insurance carrier providing the insurance shall be chosen by the Borrower subject to approval by
Lender, provided, that such approval shall not be unreasonably withheld. All insurance policies and
renewals thereof shall be in a form acceptable to Lender and shall include a standard mortgage clause in
favor of and in a form acceptable to Lender.Lender shall have the right to hold the policies and renewals
thereof,subject to the terms of any mortgage,deed of trust or other security agreement with a lien which
has priority over this Mortgage.
In the event of loss,Borrower shall give prompt notice to the insurance carrier and Lender.Lender
may make proof of loss if not made promptly by Borrower.
If the Property is abandoned by Borrower,or if Borrower fails to respond to Lender within 30 days
from the date notice is mailed by Lender to Borrower that the insurance carrier offers to settle a claim for
insurance benefits, Lender is authorized to collect and apply the insurance proceeds at Lender's option
i either to restoration or repair of the Property or to the sums secured by this Mortgage.
6. Preservation and Maintenance of Property; Leaseholds; Condominiums; Planned Unit
Developments. Borrower shall keep the Property in good repair and shall not commit waste or permit
impairment or deterioration of the Property and shall comply with the provisions of any lease if this
Mortgage is on a leasehold.If this Mortgage is on a unit in a condominium or a planned unit development,
Borrower shall perform all of Borrower's obligations under the declaration or covenants creating or
governing the condominium or planned unit development, the by-laws and regulations of the
condominium or planned unit development,and constituent documents.
7. Protection of Lender's Security. If Borrower fails to perform the covenants and agreements
contained in this Mortgage,or if any action or proceeding is commenced which materially affects Lender's
I interest in the Property, then Lender, at Lender's option, upon notice to Borrower, may make such
appearances,disburse such sums,including reasonable attorneys'fees,and take such action as is necessary
to protect Lender's interest.
Any amounts disbursed by Lender pursuant to this paragraph 7,with interest thereon,at the contract
rate,shall become additional indebtedness of Borrower secured by this Mortgage.Unless Borrower and
Lender agree to other terms of payment, such amounts shall be
� payable upon notice from Lender to
Borrower requesting payment thereof.Nothing contained in this paragraph 7 shall require Lender to incur
any expense or take any action hereunder.
03-01-01 MTG PA0012A3
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8. Inspection.Lender may take or cause to be made reasonable entries upon and inspections of the
Property, provided that Lender shall give Borrower notice prior to any such inspection specifying
reasonable cause therefor related to Lender's interest in the Property.
9. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in
connection with any condemnation or other taking of the Property,or part thereof,or for conveyance in lieu
of condemnation,are hereby assigned and shall be paid to Lender,subject to the terms of any mortgage,
deed of trust orother security agreement with a lien which has priority over this Mortgage.
10. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for
payment or modification of amortization of the sums secured by this Mortgage granted by Lender to any
successor in interest of Borrower shall not operate to release,in any manner,the liability of the original
Borrower and Borrower's successors in interest.Lender shall not be required to commence proceedings
against such successor or refuse to extend time for payment or otherwise modify amortization of the sums
secured by this Mortgage by reason of any demand made by the original Borrower and Borrower's
successors in interest.Any forbearance by Lender in exercising any right or remedy hereunder,or otherwise
afforded by applicable law,shall not be a waiver of or preclude the exercise of any such right or remedy.
11.Successors and Assigns Bound;Joint and Several Liability;Co-signers.The covenants and
agreements herein contained shall bind,and the rights hereunder shall inure to,the respective successors
and assigns of Lender and Borrower,subject to the provisions of paragraph 16 hereof.All covenants and
agreements of Borrower shall be joint and several.Any Borrower who co-signs this Mortgage,but does not
execute the Note, (a) is co-signing this Mortgage only to mortgage, grant and convey that Borrower's
interest in the Property to Lender under the terms of this Mortgage,(b)is not personally 1 iable on the Note
or under this Mortgage,and(c)agrees that Lender and any other Borrower hereunder may agree to extend,
modify,forbear,or make any other accommodations with regard to the terms of this Mortgage or the Note
without that Borrower's consent and without releasing that Borrower or modifying this Mortgage as to that
Borrower's interest in the Property.
12.Notice.Except for any notice required under applicable law to be given in another manner,(a)any
notice to Borrower provided for in this Mortgage shall be given by delivering it or by mailing such notice by
certified mail addressed to Borrower at the Property Address or at such other address as Borrower may
designate by notice to Lender as provided herein,and(b)any notice to Lender shall be given by certified
mail to Lender's address stated herein or to such other address as Lender may designate by notice to
Borrower as provided herein.Any notice provided for in this Mortgage shall be deemed to have been given
to Borrower or Lender when given in the manner designated herein.
13. Governing Law;Severability.The state and local laws applicable to this Mortgage shall be the
laws of the jurisdiction in which the Property is located. The foregoing sentence shall not limit the
applicability of Federal law to this Mortgage.In the event that any provision or clause of this Mortgage or
the Note conflicts with applicable law,such conflict shall not affect other provisions of this Mortgage or the
Note which can be given effect without the conflicting provision, and to this end the provisions of this
Mortgage and the Note are declared to be severable. As used herein, "costs," "expenses" and "attorneys'
fees"include all sums to the extent not prohibited by applicable law or limited herein.
14. Borrower's Copy. Borrower shall be furnished a conformed copy of the Note and of this
Mortgage at the time of execution or after recordation hereof.
15.Rehabilitation Loan Agreement.Borrower shall fulfill all of Borrower's obligations under any
home rehabilitation, improvement, repair, or other loan agreement which Borrower enters into with
Lender. Lender, at Lender's option, may require Borrower to execute and deliver to Lender, in a form
acceptable to Lender,an assignment of any rights,claims or defenses which Borrower may have against
parties who supply labor,materials or services in connection with improvements made to the Property.
03-01-01 MTG PA0012A4
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16. Transfer of the Property. If Borrower sells or transfers all or any part of the Property or
' an interest therein, excluding (a) the creation of a lien or encumbrance subordinate to this Mortgage, '
(b) a transfer by devise,descent, or by operation of law upon the death of a joint tenant, (c) the grant
i of any leasehold interest of three years or less not containing an option to purchase, (d) the creation
of a purchase money security interest for household appliances, (e) a transfer to a relative resulting
from the death of a Borrower, (f) a transfer where the spouse or children of the Borrower become an
owner of the property, (g) a transfer resulting from a decree of dissolution of marriage, legal
separation agreement, or from an incidental property settlement agreement, by which the spouse of
the Borrower becomes an owner of the property, (h) a transfer into an inter vivos trust in which the
Borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy
in the property, or (i) any other transfer or disposition described in regulations prescribed by the
Federal Home Loan Bank Board, Borrower shall cause to be submitted information required by
Lender to evaluate the transferee as if a new loan were being made to the transferee. Borrower will {
continue to be obligated under the Note and this Mortgage unless Lender releases Borrower in
writing,
If Lender does not agree to such sale or transfer,Lender may declare all of the sums secured by this
Mortgage to be immediately due and payable. If Lender exercises such option to accelerate,Lender shall
mail Borrower notice of acceleration in accordance with paragraph 12 hereof.Such notice shall provide a
period of not less than 30 days from the date the notice is mailed or delivered within which Borrower
may pay the sums declared due. If Borrower fails to pay such sums prior to the expiration of such
period,Lender may,without further notice or demand on Borrower,invoke any remedies permitted by
paragraph 17 hereof.
NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
i 17. Acceleration; Remedies. Except as provided in paragraph 16 hereof, upon Borrower's
breach of any covenant or agreement of Borrower in this Mortgage, including the covenants to
i pay when due any sums secured by this Mortgage, Lender prior to acceleration shall give
notice to Borrower as provided in paragraph 12 hereof specifying: (1)the breach; (2)the action
required to cure such breach; (3) a date, not less than 30 days from the date the notice is
mailed to Borrower, by which such breach must be cured; and (4) that failure to cure such
breach on or before the date specified in the notice may result in acceleration of the sums
1 secured by this Mortgage, foreclosure by judicial proceeding, and sale of the Property. The '
notice shall further inform Borrower of the right to reinstate after acceleration and the right
to assert in the foreclosure proceeding the nonexistence of a default or any other defense of
Borrower to acceleration and foreclosure. If the breach is not cured on or before the date
specified in the notice, Lender, at Lender's option, may declare all of the sums secured by this
Mortgage to be immediately due and payable without further demand and may foreclose this
Mortgage by judicial proceeding. Lender shall be entitled to collect in such proceeding all
i expenses of foreclosure, including, but not limited to, reasonable attorneys' fees and costs of
' documentary evidence,abstracts and title reports.
18. Borrower's Right to Reinstate. Notwithstanding Lender's acceleration of the sums by this
Mortgage due to Borrower's breach, Borrower shall have the right to have any proceedings begun by
i Lender to enforce this Mortgage discontinued at any time prior to entry of a judgment enforcing this
Mortgage if: (a) Borrower pays Lender all sums which would be then due under this Mortgage and
i the Note had no acceleration occurred; (b) Borrower cures all breaches of any other covenants or
03-01-01 MTG PA0012A5
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agreements of Borrower contained in this Mortgage; (c) Borrower pays all reasonable expenses
incurred by Lender in enforcing the covenants and agreements of Borrower contained in this
Mortgage, and in enforcing Lender's remedies as provided in paragraph 17 hereof, including, but not
limited to, reasonable attorneys' fees; and (d) Borrower takes such action as Lender may reasonably
require to assure that the lien of this Mortgage, Lender's interest in the Property and Borrower's
obligation to pay the sums secured by this Mortgage shall continue unimpaired..Upon such payment
and cure by Borrower, this Mortgage'and the obligations secured hereby shall remain in full force and
effect as if no acceleration had occurred,
19. Assignment of Rents; Appointment of Receiver. As additional security hereunder,
Borrower hereby assigns to Lender the rents of the Property, provided that Borrower shall, prior to
acceleration under paragraph 17 hereof, in abandonment of the Property, have the right to collect and
retain such rents as they become due and payable.
Upon acceleration under paragraph 7 hereof or abandonment of the Property, Lender shall be
entitled to have a receiver appointed by a court to enter upon, take possession of and manage the
Property and to collect the rents of the Property including those past due. All rents collected by the
receiver shall be applied first to payment of the costs of management of the Property and collection
of rents, including, but not limited to, receiver's fees, premiums on receiver's bonds and reasonable
attorneys' fees, and then to the sums secured by this.Mortgage. The receiver shall be liable to account
only for those-rents actually received.
20: Release. Upon payment of all sums secured by this Mortgage, Lender shall release this
Mortgage without charge to Borrower. Borrower shall pay all costs of recordation, if any.
21. Waiver of Homestead. Borrower hereby waives all right of homestead exemption in the
Property under state or Federal law.
22. Interest Rate After Judgment. Borrower agrees the interest rate payable after a judgment
is entered on the Note or in an action of mortgage foreclosure shall be the rate stated in the Note.
03-01-01 MITG PAQ01ZA6
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REQUEST FOR NOTICE OF DEFAULT
AND FORECLOSURE UNDER SUPERIOR
MORTGAGES OR DEEDS OF TRUST
I
Borrower and Lender request .the holder of any mortgage, deed of trust or other encumbrance with a i
lien which has priority over this Mortgage to give Notice to Lender, at Lender's address set forth on
page one of this Mortgage, of any default under the superior encumbrance and of any sale or other
foreclosure action.
R O K CA R/B�A�U"GSH -Borrower
/dcc�XJ/ II
BE J BASS -Borrower f
I hereby certify that the precise address of the Lender(Mortgagee)is:H O U S E H O L D FINANCE
25 GATEWAY DRIVE, MECHANICSBURG PA 17050 '
On behalf of the Lender.By: ETHAN P FOGLE Title: BRANCH MANAGER
i
COMN9NWEALTn0nENNSYLVANIA, CUMBERLAND County ss:
I, a Notary Public in and for said county and slate, do hereby
ertl Y" t RO K CARBA GH & BE Y J BASS
personally known to me to be the same persons whose names are subscribed to the
foregoing instrument, appeared before me this day in person, and acknowledge that the
signed and delivered the said instrument as their free voluntary act, fo
uses and purposes therein set forth.
Given under my hand and official seal,this 23rd day of April , 200 2
My Commission expires:
•' Nolarlal Seal
Judy A.Palm,Notary Public
FmrrM%WW g, nauphtn Comty Notary Public
My ComfsslonBpres Jan.B,2005
�•?, -f.: �'• ' Member,Pennsylvania Amodawn or Notaries This instrument was prepared by:
fy this to be recorded
J •' HOUSEHOLD FI
Cumberland County PA E CORPORATION
LJ GSWWay Drive, Suite 107
(Space Below'this Lino Reserved For Leader and Recorder)
~ t Return To:
t�:i 1Gf
Of Deeds Records Processing Services
03-01-01 MTG 577 Lamont Road PA0012A7
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Recording Requested By:
T.D.SERVICE COMPANY
Prepared By.
T.D.Service Company
4000 W Metropolitan Dr Ste 400
Orange,CA 92868 0043GX
(714)543-8372,JENNIFER DAVIS-RIVERA
And When Recorded Mail To:
T.D.Service Company
4000 W Metropolitan Dr Ste 400
Orange,CA 92868
(714)543-8372
UPI(PARCEL#)464917-005R
Property Address: 137 OAK FLAT RD,NEWVILLE,PA 17241-0000.
Space above for Recorder's use
Customer:673/2 Service#:4032160ASI 1111 p1111111111111111111111+
Loan#:GM994
ASSIGNMENT OF MORTGAGE
FOR VALUE RECEIVED,HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY,C/O
CALIBER HOME LOANS,INC.13801 WIRELESS WAY,OKLAHOMA CITY,OK 73134-2550,hereby
assign and transfer to LSF8 MASTER PARTICIPATION TRUST,C/O CALIBER HOME LOANS,INC.
13801 WIRELESS WAY,OKLAHOMA CITY,OK 73134-2550,all its right,title and interest in and to said
Mortgage in the amount of$86,853.28,recorded in the State of PENNSYLVANIA,TOWNSHIP of WEST
PENNSBORO,County of CUMBERLAND Official Records,dated APRIL 23,2002 and recorded on JULY
18,2005,as Instrument No. ---,in Boole No.1914,at Page No.4556.
Executed by:ROY K.CARBAUGH AND BETTY J.BASS(Original Mortgagor).
Original Mortgagee: HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY.
Legal Description:ALL THAT'CERTAIN PROPERTY SITUATED IN THE TOWNSHIP OF WEST
PENNSBORO IN THE COUNTY OF CUMBERLAND AND COMMONWEALTH OF
PENNSYLVANIA,BEING MORE FULLY DESCRIBED IN A DEED DATED 11/04/1983 AND
RECORDED 11/01/1985,AMONG THE LAND RECORDS OF THE COUNTY AND STATE SET
FORTH ABOVE,IN DEED VOLUME 0-31 AND PAGE 545..
EXHIBIT
l
LoanP OW1994 Srvt 4032160ASI
Page 2
AUG 2'7 2014
HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY,BY CALIBER HOME LOANS,INC.,
AS ATTORNEY IN FACT
Power of Attorney Dated 08/22/13 Recorded on 02/10/14 As Instrument#201402986.
By:
Sandra .Arments,Vice President
State of CALIFORNIA }
County of ORANGE }ss.
OA!* 2 7. 2014 before me,A.Fuentes,a Notary Public,personally appeared Sandra M.Armenta,who
acknowledged herself/himself to be the Vice President of HOUSEHOLD FINANCE CONSUMER
DISCOUNT COMPANY,BY CALH3ER HOME LOANS,INC.,AS ATTORNEY IN FACT,who proved to
me on the basis of satisfactory evidence to be the persou(s)whose name(s)istare subscribed to the within
instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies)
and that by his/her/their signature(s)on the instrument the person(s),or the entity upon behalf of which the
persons)acted,executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of
California that the foregoing paragraph is true and correct.
Witness my hand and official seal.
&FUENTES
commission 8 2041901
Notary Public-California z
x Orange County D
(Notary ams):A.Fuentes I Comm.Expires Se 19.2017 r
I be=certify that the precise address of the within named assignee is:C/O CALIBER HOME LOANS,INC.
13801 WIRELESS WAY,OKLAHOMA CITY,OK 73134-2550
By:
Sand .Armenta,Vice President
PLACE BTICKERAfTOP OFENVEIOPE TO THE RIQHTPLACE STICKER AT TOp OF EN4ELpPE TO THE RIBHT
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7013 2630 0002 04491316 7013 2630 0002 0449: 131019
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CALIBER P.O.Box 24610
Oklahoma City,OK 73124-0610
�- HOME LOANS
August 6, 2014
ROY CARBAUGH
137 OAK FLAT RD
NEWVILLE PA 17241-9467
Please See Attached Notice
THIS IS AN ATTEMPT BY A DEBT COLLECTOR TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Notice to Consumers presently in Bankruptcy or who have a Bankruptcy Discharge: If
you are a debtor presently subject to a proceeding in Bankruptcy Court, or if you have
previously been discharged from this debt by a Federal Bankruptcy Court, this
communication is not an attempt to collect a debt but is sent for informational purposes
only or to satisfy certain Federal or State legal obligations.
7:50 Mailing Certified prim 20140804rev
Date: 08/06/14
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM.'
FORECLOSURE
This is an official notice that the mortgage on your home is in default and the lender intends to
foreclose. Specific information about the nature of the default is provided in the attached pages
The 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 Agency.
The name, address and phone number of Consumer_Credit Counseling Agencies serving your County are
listed at the end of this Notice. If you have any questions you may call the Pennsylvania Housing Finance
Agency toll free at 1-800-342-2397. (Persons with impaired hearing can call(717) 780-1869).
This Notice contains important legal information.If you have any questions, representatives at the
Consumer Credit Counseling Agency may be able to help explain it.You may also want to'contact an
attorney in your area. The local bar association may be able to help you find a lawyer.
LA NOTIFICAC16N EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICAC16N
OBTENGA UNA TRADUCC16N INMEDITAMENTE 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.
u s
HOMEOWNER'S NAME(S): ROY CARBAUGH
BETTY J BASS
PROPERTY ADDRESS: 137 OAK FLAT RD
NEWVILLE PA 17241
LOAN ACCT. NO.: X1994
ORIGINAL LENDER: HOUSEHOLD FINANCE CONS. DISCOUNT CO
CURRENT LENDER: U.S. Bank Trust, N.A as trustee for LSF8 Master Participation Trust.
CURRENT SERVICER: Caliber Home Loans, Inc.
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
* IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR
CONTROL,
* IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR
MORTGAGE PAYMENTS, AND
* IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE
PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure
on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that
time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling
agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS
OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE
YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE 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
agency listed at the end of this notice, the lender may NOT take.action against you for thirty (30)days after the
date of this meeting. The names, addresses and telephone,numbers of designated consumer credit counseling
agencies for the county in which the 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 within thirty (30) days of your
face-to-face meeting with the counseling agency.
YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH
A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE'OF THIS NOTICE AND FILE AN
APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE
TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS
EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY.STAY OF FORECLOSURE".
YOU HAVE THE RIGHT TO FILE 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.
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:
137 OAK FLAT RD `
NEWVILLE PA 17241
IS SERIOUSLY IN DEFAULT because.
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following
amounts are now past due: 17 months for$ 13,723.59.
Other charges (explain/itemize): -
Late Charges: $ 0.00
Other Charges: $ 125.00
Escrow: $ 0.00
Lender Placed Ins/Taxes: $ 0.00
TOTAL AMOUNT PAST DUE: $ 13,848.59
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 $ 13,848.59, 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 moneV order made,
pavable and sent to:
Caliber Home Loans,Inc.
P.O Box 650856
Dallas, TX 75265-0856
Attn: Kawanna Coppage
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.
1F THE MORTGAGE 1S FORECLOSED UPON --The mortgaged property will be sold by the Sheriff to pay off
the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the
lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that
were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to
pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's
fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you
cure the default within the THIRTY (30) DAY period you will not be required to pay attorney's fees
OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and
all other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE —If you have not cured the default within the
THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default
and prevent the sale at any time up to one hour beforethe Sheriffs Sale You may do so by paving the total
amount then past due, plus any late or other charges then due reasonable attorney's fees and costs
connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in
writing by the lender and by performing env other requirements under the mortgage Curing your default in
the manner set forth in this notice will restore your mortgage to the same position as if you had never
defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs
Sale of the mortgaged property could be held would be approximately 10 months from the date of this
Notice. A-notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the
amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what
the required payment or action will be by contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender: U.S. Bank Trust, N.A as trustee for LSF8 Master Participation Trust c/o Caliber Home Loans,
Inc.
Address: P.O. Box 24610
Oklahoma City, OK 73124
Phone Number: 1 -800- 621 - 1437
Fax Number: 1 -405- 608-2018
Contact Person: Kawanna Coppage
E-Mail Address: kawanna.coppageCcDcaliberhomeloans.com
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 or X may not sell or transfer your home to a buyer or
transferee who will assume the .mortgage debt, provided that all the outstanding payments, charges and
attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are
satisfied.
t
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.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY
Please see the attached list of consumer credit counseling a encies servinq your county.
7:50 Mailing Certified prim 20140804rev
FMP HFA
Comprehensive Housing
.PENNSYLVANIA NOWIN6.FtkA CIitT�CENCY Counseling Agencies
Agencias de Consejo al Cliente para Vivienda
Cumberland County
*CCCS of Western PA
114 N Hanover St
Carlisle PA 17013
888.511.2227
www.advantaaeccs.ora
*CCCS of Western PA
55 Clover Hill Road
Dallastown PA 17313
888.511.2227/888.511.2227
www.advantageccs.ora
Community Action Commission-Capital Region
1514 Derry Sl
Harrisburg PA 17104
717.232.9757
www.cactdcounty.oro
Harrisburg Fair Housing Council
2100 N 6th St
Harrisburg PA 17110
717.238.9540
Housing&Redevelopment Authority-Cumberland Cnty
114 N Hanover St;STE 104
Carlisle PA 17013
866.683.5907/717.249.0789
bww.cchra.com
Pathstone Corporation Pennsylvania
1625 North Second St
Harrisburg PA 17102
717.234.6618
www.ruralisc.orn/oathstone pe htm
Pennsylvania Interfaith Community Programs,Inc.
40 E High St
Gettysburg PA 17325
717.334.1518
www.adamscha.org
NOTE;Many of the agencies offer workshops at various location sites;call to find a location near you.
Report last updated:11/11/2013 9:45:17 AM Page 1 of 1
1
CALIBER P.O.Box 24610
HOME LOANS Oklahoma City,OK 73124-0610
-�
August 6, 2014
BETTY J BASS
137 OAK FLAT RD
NEWVILLE PA 17241-9467
Please See Attached Notice
THIS IS AN ATTEMPT BY A DEBT COLLECTOR TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Notice to Consumers presently in Bankruptcy or who have a Bankruptcy Discharge: If
you are a debtor presently subject to a proceeding in Bankruptcy Court, or if you have
previously been discharged from this debt by a Federal Bankruptcy Court, this
communication is not an attempt to collect a debt but is sent for informational purposes
only or to satisfy certain Federal or State legal obligations.
4
7:50 Mailing Certified sec 20140804rev
Date: 08/06/14
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR .HOME FROM
FORECLOSURE
This is an official notice that the mortgage on your home is in default, and the lender intends to
foreclose.Specific information about the nature of the default is provided in the attached panes.
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 Agency.
The name,address and phone number of Consumer Credit Counseling Agencies serving your.County are
listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance
Agency toll free at 1-800-342-2397. (Persons with impaired,hearing,can call(717)780-1869).
This Notice contains important legal information.If you have any questions, representatives at the
Consumer Credit Counseling Agency may be able to help explain it.You may also want to contact an
attorney in your area. The local bar association may be able to help you find a lawyer.
LA NOTIFICAC16N EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA. SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICAC16N
OBTENGA UNA TRADUCc16N INMEDITAMENTE LLAMANDO ESTA AGEN_CIA (PENNSYLVANIA
HOUSING FINANCE AGENCY) SIN CARGOS AL NUNIERO MENCIONADO ARRIBA. PUEDE SER
ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE PROGRAM" EL CURL .PUEDE SALVAR SU CASA DE LA PERDIDA DEL
DERECHO A REDIMIR SU HIPOTECA.
HOMEOWNER'S NAME(S): ROY CARBAUGH
BETTY J BASS
PROPERTY ADDRESS: 137 OAK FLAT RD
NEWVILLE PA 17241
LOAN ACCT. NO.: 994
ORIGINAL LENDER: HOUSEHOLD FINANCE CONS. DISCOUNT CO
CURRENT LENDER: U.S. Bank Trust, N.A as trustee for LSF8 Master Participation Trust
CURRENT SERVICER: Caliber Home Loans, Inc.
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
* IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR
CONTROL,
_ * IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR
MORTGAGE PAYMENTS, AND
* IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE
PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure
on your mortgage for thirty (30) days from the date of this Notice (plus three (3) days for mailing). During that
time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling
agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY-THREE (33) DAYS
OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE
YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE 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
agency listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the
date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling
agencies for the county in which the 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 within 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'.
4 " �
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.
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:
137 OAK FLAT RD
NEWVILLE PA 17241
IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following
amounts are now past due: 17 months for$ 13,723.59.
Other charges(explain/itemize):
Late Charges: $ 0.00
Other Charges: $ 125.00
Escrow: $ 0.00
Lender Placed Ins/Taxes: $ 0.00
TOTAL AMOUNT PAST DUE: $ 13,848.59
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 $ 13,848.59, 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:
Caliber Home Loans, Inc.
P.O Box 650856
Dallas, TX 75265-0856
Attn: Kawanna Coppage
IF YOU DO NOT CURE THE DEFAULT-- If you do not cure the default within THIRTY (30) DAYS of the date
of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that
the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to
pay the mortgage in monthly installments. If full payment of the total amount past due is not made within
THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon
your mortgaged property.
IF THE MORTGAGE IS FORECLOSED UPON --The mortgaged property will be sold by the Sheriff to pay off
the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the
lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that
were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to
pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's
fees will be added to the amount you owe the lender, which may also include other reasonable costs. If Vou
cure the default within the THIRTY(30) DAY period, you will not be required to pay attorney's fees.
OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and
{
all other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- if you have not cured the default within the
I� THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default
i and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total
amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs
connected with the foreclosure sale and any 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
I defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs
Sale of the mortgaged property could be heldwould be approximately 10 months from the date of this
Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the
' amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what
! the required payment or action will be by contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender: U.S. Bank Trust, N.A as trustee for LSF8 Master Participation Trust c/o Caliber Home Loans,
Inc.
Address: P.O. Box 24610
Oklahoma City, OK 73124
Phone Number. 1 -800 -621 - 1437
Fax Number: 1 -405- 608-2018
Contact Person: Kawanna Coppage
E-Mail Address: kawanna.cop page(o,)caIiberhomeloans.com
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 or X may not sell or transfer your home to a buyer or
transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and
attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are
satisfied.
i Comprehensive Housing
PENNSY1YkNIA HOUSING FINANCE AGENCY Counseling Agencies
Agendas de Consejo al Cliente para Vivienda y
Cumberland County
*CCCS of Western PA
114 N Hanover St
Carlisle PA 17013
888.511.2227
www.advantageccs.ora
*CCCS of Western PA
55 Clover Hill Road
Dallastown PA 17313
888.511.22271888.511.2227
www.advantageccs.oro
Community Action Commission-Capital Region
1514 Deny St
Harrisburg PA 17104
717.232.9757
www.c a ci rl co u n t v.o ra
Harrisburg Fair Housing Council
2100 N 6th St
Harrisburg PA 17110
717.238.9540
Housing&Redevelopment Authority-Cumberland Cnty
114 N Hanover St;STE 104
Carlisle PA 17013
866.683.5907 1 717.249.D789
www.cchra.com
Pathstone Corporation Pennsylvania
1625 North Second St
Harrisburg PA 17102
717.234.6616
www.ruralise.oro/pathstone oa.htm
Pennsylvania Interfaith Community Programs,Inc.
40 E High St
Gettysburg PA 17325
717.334.1518
www.adamscha.ora
NOTE:Many of the agencies offer workshops at various location sites;call to find a location near you.
Report last updated:11/11/2013 9:45:17 AM Page 1 of 1
FAIR DEBT COLLECTION PRACTICES ACT 30 DAY NOTICE
By law, this law firm is required to advise you that unless within 30 days after receipt of this
notice you dispute the validity of this debt or any portion thereof, the debt will be assumed to be valid by
us. If said notification is sent to us in writing, we are required to provide you with'verification of the
debt. In the event within a 30-day period you request in writing the name of the original creditor, it will
be provided to you if different from the current creditor. In the event that you dispute the debt and/or
request the name of the original creditor in writing within the 30-day period, no further action will be
taken to obtain Judgment in the pending lawsuit until the verification and/or name of the original
creditor has been provided to you.
This law firm is attempting to collect this debt for our client and any information obtained will
be used for that purpose.
The above Notice is being given pursuant to the Fair Debt Collection Practices Act and is
separate and distinct from the foregoing Complaint which must be responded to in conformity with the
instructions therein. Because of the difference in time parameters, we will not move for Default
Judgment for at least thirty (30) days from the date of service of this Complaint upon you, and if you
request verification, we will not move for.Default judgment until a reasonable time after verification has
been provided, and after the expiration of the thirty (30) day period from the date of service.
EXHIBIT
E
W WR#20755508
VERIFICATION
as a/an P_� 9\k el"V, D�-t� n
(Name) (Title)
of Caliber Home Loans, Inc., solely in its capacity as servicer, within named, do hereby verify that I am
authorized to and do make this verification on behalf of the Plaintiff, and that the facts set forth in the
foregoing Complaint in Mortgage Foreclosure are true to the best of my information and belief. I
understand that false statements therein are made subject to the penalties of 18 Pa. C.S. § 4904 relating
to unsworn falsification to authorities.
LSF8 Master Participation Trust, by Caliber
Home Loans, Inc., solely in its capacity as
servicer
Date: (
fid
(Signature)
(Title)
NAME: ROY K. CARBAUGH AND BETTY J. BASS
WWR#20755508