HomeMy WebLinkAbout15-0324 Supreme Court of Peimsylvania
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The information collected on this form is used solely far court administration purposes. This form does not
Supplement or replace thefiling and service a pleadings or other papers as re wired b2 law or rules of court.
Commencement of Action:
® Complaint ❑ Writ of Summons ❑ Petition
❑ Transfer from another Jurisdiction ❑ Declaration of Taking
E Lead Plaintiff Name: Lead Defendant's Name:
THE BANK OF NEW YORK MELLON,F/K/A THE BRENDA L.BOTTORF,INDIVIDUALLY,AND AS
C BANK OF NEW YORK,AS TRUSTEE FOR THE TRUSTEE,OR THEIR SUCCESSORS IN TRUST,
T CERTIFICATE HOLDERS OF THE CWABS INC. UNDER THE RICHARD E.BOTTORF,JR.AND
I I Dollar Amount Requested within arbitration limits
O Are money Damages requested?: ❑ Yes ® No (Check one) X outside arbitration limits
N
Is this a Class Action Snit? ❑ Yes ® NO Is this an MDJ Appeal? ❑ Yes ® NO
AJ
Name of Plaintiff/appellant's Attorney:KML Law Group,P.C.
❑ Check here if you 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
PRIMARYCASE. 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 APPEAL
❑ Intentional ❑ Buyer Plaintiff Administrative Agencies
❑ Malicious Prosecution ❑ Debt Collection:Credit Card ❑ Board of Assessment
❑ Motor Vehicle ❑ Debt Collection:Other ❑ Board of Elections
❑ Nuisance ❑ Dept.of Transportation.
❑ Premises Liability ❑ Zoning Board
❑ Product Liability(does not include ❑ Statutory Appeal:Other
1E mass tort) ❑ Employment dispute:
❑ Slander/Libel Defamation Discrimination
C ❑ Other ❑ Employment Dispute: Other
T ❑ Other:
0 MASS TORT ❑ Other
❑ Asbestos
❑ Tobacco'
❑ Toxic Tort-DES REAL PROPERTY MISCELLANEOUS
❑ Toxic Tort-Implant ❑ Ejectment ❑ Common Law/Statutory
❑ Toxic Waste ❑ Eminent Domain/Condemnation Arbitration
B ❑ Other ❑ Ground Rent ❑ Declaratory Judgment
❑ Landlord/Tenant Dispute ❑ Mandamus
® Mortgage Foreclosure:Residential ❑ Non-Domestic Relations
PROFESSIONAL LIABILITY ❑ Mortgage Foreclosure:Commercial Restraining Order
❑ Dental ❑ Partition ❑ Quo Warranto
❑ Legal ❑ Quiet title ❑ Replevin
❑ Medical
❑ Other Professional: ❑ Other ❑ Other
Pa.RC.P. 205.5 Updated 1/1/2011
KML LAW GROUP,P.C. r.., r
SUITE 5000-BNY MELLON INDEPENDENCE CENTER
701 MARKET STREET
PHILADELPHIA,PA 19106 „
(866)413-2311 L • • ' 2' �J
MMMICULAWGRO
IN THE-COURT OF COMMON PLEAS
THE BANK OF NEW YORK MELLON,F/K/A THE ,
BANK OF NEW YORK,AS TRUSTEE FOR THE i ,., YLVAr A
OF Cumberland COUNTY
CERTIFICATE HOLDERS OF THE CWABS,INC.,
ASSET-BACKED CERTIFICATES SERIES 2004-6 BY CIVIL ACTION-LAW
GREEN TREE SERVICING LLC
c/o Green Tree Servicing LLC
ACTION OF MORTGAGE FORECLOSURE
345 St Peter Street
1100 Landmark Towers
St Paul MN 55102
No.
Plaintiff
O` I
vs.
BRENDA L.BOTTORF,INDIVIDUALLY,AND AS CIVIL ACTION: MORTGAGI
TRUSTEE,OR THEIR SUCCESSORS IN TRUST, FORECLOSM
UNDER THE RICHARD E.BOTTORF,JR.AND
BRENDA L.BOTTORF LIVING TRUST,DATED MAY
2,2002,AND ANY AMENDMENTS THERETO
RICHARD E.BOTTORF,JR,INDIVIDUALLY,AND AS
TRUSTEE,OR THEIR SUCCESSORS IN TRUST,
UNDER THE RICHARD E.BOTTORF,JR.AND
BRENDA L.BOTTORF LIVING TRUST,DATED MAY
2,2002,AND ANY AMENDMENTS THERETO
Mortgagor(s)and Record Owner(s)
810 Sherwood Road
New Cumberland,PA 17070
Defendant(s)
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 the 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 claim in the Complaint
of 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 OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW.
THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFO�OjT AGENECI.ES THAT MAY OFFER LER, THIS OFFICE GAL SERVICES TLE OO EO GIBLE
VIDE
YOU WITH INFORMATION
PERSONS AT A REDUCED FEE OR NO FEE.
CUMBERLAND COUNTY BAR ASSOCIATION
2 Liberty Avenue
Carlisle,PA 1.7013
LEGAL SERVICES INC
8 Irvine Row
Carlisle,PA 17013
717-243-9400 n
(�,-- &,r,63/
AVISO
Le ban demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las
paginas siguientes,usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notification.
Hace falta ascentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma
escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se
defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notification.
Ademas, la corte puede decider a favorddel o o sus
iedades u otros derechos1pmportantes la con para usted.las siones
de esta demanda. Usted puede per P P
LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO TIENE ABOGADO O
SI NO TIENE EL DINERO SUFICIEUYDE
POR TELEFONO A LA OFICINA C A DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA
AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL.
SI USTED NO PUEDE PAGARLE A UN ABOGADO,FECER SERVIC OS LEGAL A PERSONAS
INFORMACION ACERCA AGENCIAS QUE PUEDAN
ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS.
CUMBERLAND COUNTY BAR ASSOCIATION
2 Liberty Avenue
Carlisle,PA 1701.3
LEGAL SERVICES INC
8 Irvine Row
Carlisle,PA 17013
717-243-9400
THIS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT
A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU
WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT.
RESOURCES AVAILABLE FOR HOMEOWNERS IN FORECLOSURE
ACT NOW!
Even though your lender(and our client)has filed an Action of Mortgage Foreclosure against you,you
still may be able to SAVE YOUR HOME FROM FORECLOSURE.
1). Call an attorney.For referrals to a qualified attorney call either of the following numbers: or 717-
243-9400.
2). Call the Consumer Credit Counseling Agency at 1-800-989-2227 for free counseling.
3). Visit HUD'S website www.hud.gov for Help for Homeowners Facing the Loss of Their Homes.
4). Pennsylvania Housing Finance Agency also offers other loan programs that may assist homeowners
in default.Please See the PHFA website http //www�hfa ori/consumers homeowners/real.aspx.
5). Call the Plaintiff(your lender) and ask to speak to someone about Loss Mitigation or Home
Retention options.
6). Foreclosure Resource Center: http://www.pbiladelphiafed.ora/foreclosure/
7). Call or contact our office to request the amount to bring the account current, or payoff the mortgage
or request a Loan Workout/Home Retention Package. Call our toll free number at 1-866-413-2311 or via email
at homeretention@bmllawgroup.coin. Call Seth at 215-825-6329 or fax 215-825-6429. The figure and/or
package you requested will be mailed to the address that you request or faxed if you leave a message with that
information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be
reached at 215-825-6318 or Fax: 215-825-6418.Please reference our Attorney File Number of 138008FC.
Para information en espanol puede communicarse con Loretta al 215-825-6344.
This Action of Mortgage Foreclosure will continue unless you take action to stop it.
COMPLAINT IN MORTGAGE FORECLOSURE
1. Plaintiff is THE BANK OF NEW YORK MELLO ,, THE BANK OF BS INC., SSE BACKED
TRUSTEE FOR THE CERTIFICATE HOLDERS F THE
CERTIFICATES SERIES 2004-6 BY GREEN TREE SERVICING LLC,c/o Green Tree Servicing
LLC, 345 St Peter Street, 1100 Landmark Towers, St Paul,MN 55102.
2. The name(s)and address(es) of the Defendant(s) is/are BRENDA L. BOTTORF,INDIVIDUALLY,
AND AS TRUSTEE, OR THEIR SUCCESSORS IN TRUST,UNDER THE RICHARD E.BOTTORF,
JR.AND BRENDA L.BOTTORF LIVING TRUST,DATED MAY 2, 2002,AND ANY
AMENDMENTS THERETO, 810 Sherwood Road,New Cumberland,PA 17070 and RICHARD E.
BOTTORF, JR.,INDIVIDUALLY, AND AS TRUSTEE, OR THEIR SUCCESSORS IN TRUST,
UNDER THE RICHARD E. BOTTORF,JR.AND BRENDA L. BOTTORF LIVING TRUST,DATED
MAY 2, 2002,AND ANY AMENDMENTS THETO, 8 10 record owne(s)of hesherwood mo gaged premises hereinafterew nd,PA
17070,who is/are the mortgagor(s)and
described.
3. On May 24, 2004 mortgagor(s) made, executed and delivered a mortgage upon the Property hereinafter
described to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., SOLELY AS
NOMINEE FOR AMERICA'S WHOLESALE LENDER,which mortgage is recorded in the Office of
the Recorder of Deeds of Cumberland County on June 10, 2004 as Book 1.869,Page 1376. The
mortgage has been assigned to: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW
YORK,AS TRUSTEE FOR THE BENEFIT OF THE CERTIFICATEHOLDERS OF THE CWABS
INC.,ASSET-BACKED CERTIFICATES, SERIES 2004-6 by assignment of Mortgage recorded on
May 09,2012 as Instrument No.201213818. The Mortgage and Assignment(s) (if any) are matters of
public record and are incorporated by this reference in accordance with Pennsylvania Rule of Civil
Procedure 101.9(g);which Rule relieves the Plaintiff from its obligation to attach documents to pleadings
if those documents are matters of public record.
4. The Property subject to the Mortgage is more fully described in the legal description set forth as Exhibit
"A" ("Property").
5. The mortgage is in default because the monthly payments of principal and interest are due and unpaid
for August 01, 2012 and each month thereafter and by the terms of the Mortgage,upon default in such
payments for a period of one month or more,the entire principal balance and all interest due and other
charges are due and collectible.
6. The following amounts are due to Plaintiff on the Mortgage:
PrincipalBalance....................................... .........................................$11.5,128.02
Interest from 07/01/2012 to 12/21/2014 at 7.1250%............................ $20,183.50
Per Diem interest rate at$22.48
.........................$710.00
Late Charges ...................................................................... ... $7,442.98
Escrow Balance..................................................................................... ...$1.50.00
Property Inspections..................................................................................$2
,135.25
Property Preservation............................................................. .......$145,749.75
7. If the Mortgage is reinstated prior to a Sheriffs Sale,the Attorney's Fees set forth above may be less
than the amount demanded based on work actually performed. Plaintiff reserves the right to request
additional attorney's fees if the complexity of the action results in fees in excess of the amount
demanded. Further,Plaintiff will request recovery of all costs incurred in this action including, but not
limited to, costs of suit,process serving and skip tracing,title searches,recording costs and any other
costs of the action in accordance with the mortgage documents and applicable law.
8. Plaintiff is not seeking a judgment of personal liability (or an"in pe� rso 'judgment)against the
_ Defendants in this Action but reserves its right to bring a separate Action to establish that right, if such
right exists. If Defendants have received a discharge of their personal liability in a Bankruptcy
proceeding,this Action of Mortgage Foreclosure is, in no way, an attempt to re-establish the personal
liability that was discharged in.Bankruptcy,but only to foreclose the Mortgage and sell the Property
pursuant to Pennsylvania law.
9. Plaintiff sent Defendants the notice as required by 35 P.S. Section 1680.401 et. seq. (Act 91 of 1983) or
by 41 P.S. Section 403 (Act 6 of 1974) or as required by the Mortgage("Notice"). A true and correct
copy of the Notice is attached and incorporated as Exhibit"B".
WHEREFORE,Plaintiff demands a de terris judgment in mortgage foreclosure in the sum of$145,749.75,
together with interest at the rate of$22.48,per day and other expenses, costs and charges incurred by the
Plaintiff which are properly chargeable in accordance with the terms of the Note and Mortgage and
Pennsylvania law until the Mortgage is paid in full, and for the foreclosure of the Mortgage and Sheriff s Sale
of the Property.
By:
KML LAW GROUP,P.C.
Michael McKeever Pa. ID 56129
Jay E.Kivitz Pa. ID 26769
Lisa Lee Pa. ID 78020
Kristina Murtha Pa.ID 61858 V onsthq f \fnn Connor
David Fein Pa.ID 82628 "1
Thomas Puleo Pa. ID 27615
Joshua I. Goldman Pa.ID 205047 D `
Jill P. Jenkins Pa. ID 306588
Andrew F. Gornall Pa.ID 92382
Alyk L. Oflazian Pa.ID 312912
Salvatore Filippello Pa. ID 313897
Jennifer Lynn Frechie Pa.ID 316160
Attorneys for Plaintiff
VERIFICATION
I, Jamie Larson, as the Foreclosure Supervisor of Green Tree Servicing LLC as attorney in
fact for the Plaintiff within named do hereby verify that I am authorized to and do.make this
verification on behalf of Green Tree.Servicing.LLC as attorney in fact for the Plaintiff and the
facts set forth in the foregoing Complaint are true and correct to the best of my information and
belief. I understand that false statements therein are made subject to the penalties of 18 Pa. C.S. Sec.
4904 relating to unsworn falsification to authorities.
Date:
PS�
4Greree Se ing L , attorney in fact,
Se
For THE BANK OF NEW YORK
MELLON,F/K/A THE BANK OF .
NEW YORK,AS TRUSTEE FOR
THE CERTIFICATE HOLDERS OF
THE CWABS;INC.,ASSET-
BACKED CERTIFICATES SERIES
2004-6 BY GREEN TREE
SERVICING LLC
� kir
#138008FC -BRENDA L. BOTTORF,INDIVIDUALLY,AND AS TRUSTEE, OR THEIR
SUCCESSORS IN TRUST,UNDER THE RICHARD E. BOTTORF,JR. AND BRENDA L.
BOTTORF LIVING TRUST,DATED MAY 2,2002,AND ANY AMENDMENTS THERETO
and RICHARD E. BOTTORF,jR.,INDIVIDUALLY,AND AS TRUSTEE, OR THEIR
SUCCESSORS IN TRUST,UNDER THE RICHARD E. BOTTORF,JR. AND BRENDA L.
BOTTORF LIVING TRUST,DATED MAY 2,2002,AND ANY AMENDMENTS THERETO
810 Sherwood Road New Cumberland,PA 17070
Exki6i
tA
Eyhibit
*Exhibit has been redacted to remove all personally identifiable information or non public information
Po Box 9048
Temecula,CA 92589-9048
7196 9006 9296 7003 4417
I110T'1II'11111
BRENDA BOTTORF
810 Sherwood Road
New Cumberland, PA 17070-1450
May 6, 2013
Certified Mail:
7196 9006 9296 7003 4417
Return Receipt Requested
BRENDA BOTTORF
810 Sherwood Road
New Cumberland, PA 17070-1450
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 names addresses and phone number of Consumer Credit Counselina Agencies serving your County are
listed at the end of this Notice If you have any guestions you may call the Pennsylvania Housing Finance
Aciency toll free at 1-800-342-2397. (Persons with impaired heanna 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 may be able to help you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SI 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.
7196 9006 9296 7003 4417
HOMEOWNER'S NAME(S): RICHARD E BOTTORF,JR, Brenda Bottorf
PROPERTY ADDRESS: 810 Sherwood Road
New Cumberland, PA 17070
LOAN ACCT. NO.: -
ORIGINAL LENDER: AMERICA'S WHOLESALE LENDER
CURRENT LENDERISERVICER: 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 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 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 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 with 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.
(tf 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:
810 Sherwood Road New Cumberland,PA 17070
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 08/01/2012 - 11/30/2012 @ $1159.50 $4,638.00
12/01/2012 - 12/31/2012 @ $1115.06 $1,115.06
01/01/2013 - 05/31/2013 @ $1104.46 $5,522.30
Late Charges: 08/01/2012 - 12/31/2012 @ $43.81 $219.05
01/01/2013 - 02/28/2013 @ $43.28 $86.56
04/01/2013 - 04/30/2013 @ $43.28 $43.28
Other Charges: Additional Uncollected Late Charges: $317.83
Uncollected Costs: $165.00
Partial Payment Balance: 0.00
TOTAL AMOUNT PAST DUE: $12,107.08
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 $12,107.08, PLUS ANY MORTGAGE
PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments
must be made either by cash cashiers check certified check or money order made payable and sent to:
Bank of America, N.A.at P.O.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 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 attomeys'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 rightto cure the default and prevent the sale
at any time up to one hour before the Sheriff's 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 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 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: Bank of America,N.A.
Address: PO Box 5170 Simi Valley,CA 93062-5170
Phone Number: 800-669-0102
Fax Number: 1-800-520-5019
Contact Person: General Collections
E-Mail Address: correspondencesupport@bankofamerica.com
This is not a secure email address; privacy is limited. Accordingly, confidential information,
including account information and personallyidentifiableinformation should not be transmitted by this non-encryptedemail.If
you prefer to send confidential informationvia email,please contact us at the telephonenumber 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 continueto live in the property after the Sheriff's sale,a lawsuitto 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 attorney's fees and costs are paid prior to or at
the sale and that the other requirements of the mortgage are satisfied.
YOU MAY ALSO 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.
7196 9006 9296 7003 4417
HEMAP Consumer Credit Counseling Agencies
YORK County
Repat last updated:03/20/2013 02:18 PM
Advantage Credit Counseling Service/CCCS of Western PA Advantage Credit Counseling Service/CCCS of Western PA
2000 Linglestown Road 55 Clover Hill Road
Harrisburg,PA 17102 Dallastown,PA 17313
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 York,PA 17401
717-392-5467 717-855-2752
PA Interfaith Community Programs Inc
40 E High Street
Gettysburg,.PA 17325
717-334-1518
w
7196 1006 9296 7003 4417
'MAP Consumer Credit Counseling Agencies
CUMBERLAND County
Report last updated:03/20/2013 02:18 PM
Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region
2000 Linglestown Road 1514 Derry Street
Harrisburg,PA 17102 Harrisburg,PA 17104
888-511-2227 717-232-9757
Housing Alliance of York/Y Housing Resources Maranatha
290 West Market Street 43 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 Community Programs Inc PHItA
40 E High Street 211 North Front Street
Gettysburg,PA 17325 Harrisburg,PA 17110
717-334-1518 717-780-3940 800-342-2397
7196 9006 9296 7003 4417
C3_3222_BRECDISC 15352 09/24/12
IMPORTANT DISCLOSURES
If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under
applicable bankruptcy law, this notice is for information only and is not an attempt'to collect the debt, a
demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to
discuss your home loan with us or enter into a loan modification or other loan-assistance program. You
should consult with your bankruptcy attorney or other advisor about your legal rights and options.
Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this
communication is from a debt collector.
There has been a payment default or other default on your loan that could result in acceleration of all sums
due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe
Default, Inc., LandSafe Services, LLC., LandSafe Title of California, Inc., LandSafe Title of Washington, Inc.,
LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc.,
ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect
the Noteholder's interest and rights in the property and under the note and security instrument, including any
remedies thereunder (the "Default Related Services"). Bank of America, N.A. will assess fees to your loan
account for the Default Related Services, including those provided by its affiliates. A schedule of fees that
may be charged to your account for Default Related Services is available at the following web address:
_. http://www.bankofamerica.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/SERVICE MEMBERS: If you or your spouse is a member of the military, please
contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford
significant protections and benefits to eligible military service personnel, including protections from
foreclosure as well as interest rate relief. For additional information and to determine eligibility please
contact our Military Assistance Team toll free at 1-877-430-5434. If you are calling from outside the U.S.
please contact us at 1-817-685-6491.
7196 9006 9296 7003 4417
DIVULGACIONES IMPORTANTES
Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una
exoneracibn de esta deuda bajo la ley aplicable sobre quiebra, este no es un intento de recaudaci6n, una
demands de pago o un intento de imponer una responsabilidad personal por esa deuda. Usted no esta
obligado(a) a hablar de su prestamo para vivienda con nosotros ni a participar en un programa de
modificacion de prestamos u otro programa de asistencia para prestamos. 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 esta obligado por ley a informarle a
usted que esta comunicacibn 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 aceleracibn 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 Titular en 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 esta disponible en el sitio de Internet: [hftp:/Iwww.bankofamerica.com/defaultfeesl. Si usted
no tiene acceso a internet, por favor comuniquese con nosotros al 1-800-669-6607 de lunes a jueves de 8 a.
M. a 11 p. m. hora del este, viemes de 8 a. m. a 9 p. m. hora del este, sebados 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 conyuge es un miembro
del servicio militar, por favor comuniquese con nosotros inmediatamente. La Ley federal de Ayuda Civil
para Miembros de las Fuerzas Armadas y las leyes estatales comparables otorgan protecciones y beneficios
significativos al personal del servicio militar que califigue, incluidas protecciones contra la ejecucibn
hipotecaria asi como tambien ayuda en la tasa de interes. Para obtener mes informaci6n y determinar su
calificacibn por favor flame sin costo a nuestro Equipo de Asistencia para el Servicio Militar al
1-8771330-5434. Si usted llama desde fuera de los Estados Unidos por favor comuniquese con nosotros al
1-817-685-6491.
7196 9006 9296 7003 4417
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
l e c t u ........
Home Affordable A federal government program that allows you to repay the loan on newly agreed upon terms,
Modification which may include lowering the interest rate, placing past due amounts at the end of the loan,
Program(HAMP) and/or extending the term of the loan. You may be eligible for this program if you meet the
following requirements:
• The amount you owe on the first mortgage is equal to or less than$729,750 for a
single-family home, $934,200 for a 2 unit property, $1,129,250 for a 3 unit property or
$1,403,400 for a 4 unit property
• You have documented a financial hardship and represented that you do not have sufficient
liquid assets to make the monthly mortgage payments.
• Your mortgage was obtained before Jan. 1,2009.
• The property securing the mortgage loan has not been condemned or is not in such poor
physical condition that it is not habitable even if not condemned
• The mortgage is secured by a one to four unit property
Loan If you can bring your loan payments up to date,we will accept the funds needed to bring the
,. Reinstatement loan up to date until the day of your foreclosure sale.
Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay
off a portion of the past due amounts over time.This may include principal, interest,fees,
and/or costs assessed to your loan.
Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments
Forbearance for a period of time,to allow you to re-establish your ability to make the required payments.
Agreement
Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could
(non-HAMP) include lowering your interest rate,extending the term or maturity date of the loan, moving
from an adjustable to a fixed-rate loan, deferring some portion of the unpaid principal balance
to the end of the loan, and/or forgiving some portion of the unpaid principal balance.
Partial Claim(FHA If you have a Federal Housing Administration (FHA) loan and your payments are past due but
loans only) you are now able to make your regular monthly mortgage payment,this program is designed to
bring your loan up to date by creating a second mortgage/lien on your property for the amount
that is past due.
Options to consider if you cannot or do not wish to stay in your home
Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program
Foreclosure (HAMP) but were unsuccessful in securing a permanent modification through the program.
Alternatives HAFA provides the option of a short sale and, if unsuccessful,a deed in lieu of foreclosure. A
Program(HAFA) short sale is a transaction in which you sell your property for less than the total amount owed
on the loan(subject to agreement by your servicer/lenderAnvestor), resulting in the release of
our lien on your home and avoidance of foreclosure.A deed in lieu of foreclosure is a
transaction in which you agree to voluntarily transfer ownership of your property to us in order
to avoid foreclosure.
Short Sale/ If you can no longer afford to make your mortgage payments and your home is worth less than
Pre foreclosure you owe,a short sale may allow you to sell your home to pay off the mortgage. In a short sale,
Sale(non-HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to
borrowers who are not eligible for HAMP or other home retention alternatives.
Deed in Lieu of Used as an alternative to foreclosure,with a deed in lieu of foreclosure, you transfer ownership
Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total
(non-HAFA) amount due on that mortgage.Offered to borrowers not eligible for HAMP or other home
retention alternatives, and who were not able to sell the property through a short sale.
We are here to help you. Please call us today.
7196 9006 9296 7003 4417
Hay opciones disponi bles para ayudarle a
Evitar la Ejecucio' n Hipotecaria
Liame al n6mero que aparece en la notificaci6n adjunta para obtener mcis
informaci6n
Cuando Ilame, por favor tenga a la mano la informaci6n de sus ingresos y gastos para que podamos
discutir cuffles opciones podrian funcionar para usted.
Opciones a considerar si su objetivo es permanecer en su casa
...........X.
Home Affordable Es un programa del gobierno federal que le permite pagar el pr6stamo bajo los nuevos
Modification t6rminos acordados,que pueden incluir la reducci6n de la tasa de inter6s, agregar
Program(HAMP) cantidades vencidas al final del pr6stamo, y/o extender el plazo del pr6stamo. Usted
puede calificar para este programa si cumple con los siguientes requisitos:
• La cantidad que usted adeuda de su primera hipoteca es igual o menor que $729,750 9,750
d6lares para una vivienda unifamiliar,$934,200 d6lares para una propiedad de 2
unidades,$1,129,250 d6lares para una propiedad de 3 unidades o$1,403,400 para
una propiedad de 4 unidades
• Usted ha documentado que atraviesa por una dificultad financiera y declarado que no
tiene suficiente liquidez para hacer los pagos mensuales de la hipoteca.
• Obtuvo su hipoteca antes del 1 de enero de 2009.
• La propiedad que garantiza el pr6stamo hipotecario no ha sido condenada o no esti en
malas condiciones fisicas como para no poder habitarse incluso si no estA condenada.
• La hipoteca est6 garantizada por una propiedad de una a cuatro unidades.
Restablecimient Si usted puede poner al dia los pagos de su pr6stamo,aceptaremos los fondos necesarios
o del Prdstamo para que el pr6stamo est6 al dia hasta la fecha de la venta por ejecuci6n hipotecaria.
Plan de Pago Un plan de pago le permite a usted hacer sus pagos hipotecarios regulares, ademAs de
pagar una pord6n de los montos vencidos a trav6s del tiempo. Esto puede incluir capital,
inter6s, cargos o Gostos aplicados a su pr6stamo.
Acuerdo Es un acuerdo en el cual aceptamos no proceder con la ejecuci6n hipotecaria y/o el cobro
Temporal de de los pagos por un periodo de tiempo, para permitirle que restablezea su habilidad de
Tolerancia por hater los pagos requeridos.
incumplimiento
Modificaci6n de Una modifir-aci6n del pr6stamo es un cambio en los t6rminos originales de su pr6stamo,
Pr6stamo Las modificadones podrian incluir reducir su tasa de inter6s, extender el t6rmino o la fecha
(no por medio de pago del pr6stamo, cambiar de un pr6stamo de tasa de inter6s ajustable a uno de tasa
deHAMP) de inter6s fija,diferir una parte del saldo del capital impagado al final del pr6stamo, y/o
coridonar una parte del saldo de capital impagado.
Reclarno Parcial Si usted tiene un pr6stamo de la Administraci6n Federal de Vivienda (FHA)y sus pagos
(solamente est6n vencidos, pero ahora puede hacer sus pagos regulares mensuales de la hipoteca,
pr6stamos de[a este programa esti disehado para que su pr6stamo este al dia mediante la creaci6n de
FHA) una segunda hipoteca/gravamen sobre su propiedad por el monto que est6 vencido.
7196 9006 9296 7003 4417
Opciones a considerar si no puede o no desea quedarse en su casa
............:.::.:::::.:
Home Affordable Disenado para ayudar a los prestatarios que califican para el Programa de Home
Foreclosure Affordable Modification(HAMP), pero no consiguieron obtener una modificacidn
Alternatives permanente a travbs del programa.HAFA ofrece la posibilidad de una venta en
Program(HAFA) descubierto y,si no tiene exito, una escritura de traspaso voluntario de propiedad en lugar
de la ejecucibn hipotecaria. Una venta en descubierto es una transaccibn en la que usted
vende su propiedad por menos de la Cantidad adeudada en el prestamo (sujeto a previo
acuerdo de su administrador/prestamista/inversionista), resultando en la liberacibn de
nuestro derecho de retencibn sobre su propiedad y evitar la ejecucibn hipotecaria. Una
escritura de traspaso voluntario de propiedad en lugar de la ejecucibn hipotecaria es una
transaccibn en la que usted estb de acuerdo de transferir voluntariamente las escrituras de
su propiedad a nosotros con el fin de evitar la ejecucibn hipotecaria.
Venta en Si usted ya no puede hater sus pagos hipotecarios y su vivienda vale menos de to que
descubierto/ usted adeuda, una venta en descubierto le podria permitir vender su vivienda para pagar
Venta previa a la la hipoteca. En una vents en descubierto, el prestamista acepta recibir una monto menor
ejecucion de to que actualmente se adeuda en el prbstamo. Se ofrece a los prestatarios que no
hipotecaria(no por califican para HAMP o para otras alternativas de retencibn de la vivienda.
medio de HAFA)
Escritura de Se usa tomo una alternativa de la ejecucibn hipotecaria. Con una escritura de traspaso
traspaso de voluntario de propiedad en lugar de la ejecucibn hipotecaria, usted transfere la titularidad
propiedad en lugar de su vivienda y toda la propiedad que garantiza su prestamo hipotecario. Esto puede
de la ejecucion hacer que el monto total vencido de esa hipoteca se considere Como pagado. Se ofrece a
hipotecaria(no por prestatarios que no califican para HAMP u otras opciones de retencibn de vivienda,y que
medio de HAFA) no pudieron vender la propiedad a traves de una vents en descubierto.
Estamos aqui para ayudarle. Por favor Ilamenos hoy.
1•W�
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PO:Box.9048
Temecula,CA:92589=9048.
2272<554 Z69
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RICHARDE BOTTO.RF
81O:Sherwood Road
New Cumberland, RA 170.70-1450
7
May 6, 2013
RICHARD E BOTTORF
810 Sherwood Road
New Cumberland, PA 17070-1450
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 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 may be able to help you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SOMA IMPORTANCIA, PLIES AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SI 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 SUS CASA DE LA PERDIDA DEL
DERECHO A REDIMIR SU HIPOTECA.
2272554769
HOMEOWNER'S NAME(S): RICHARD E BOTTORF,JR, Brenda Bottorf
PROPERTY ADDRESS: 810 Sherwood Road
New Cumberland, PA 17070
LOAN ACCT. NO.: -
ORIGINAL LENDER: AMERICA'S WHOLESALE LENDER
CURRENT LENDERISERVICER: 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 1883(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 (331 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 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 lenderimmediately 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.
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 (Brine it up to date).
NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at:
810 Sherwood Road New Cumberland,PA 17070
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: 08/0112012 - 11/30/2012 @ $1159.50 $4,638.00
12/01/2012 - 12/31/2012 @ $1115.06 $1,115.06
01/01/2013 - 05/31/2013 @ $1104.46 $5,522.30
Late Chancres: 08/01/2012 - 12/31/2012 @ $43.81 $219:05
01/01/2013 - 02/28/2013 @ $43.28 $86.56
04101/2013 - 04/30/2013 @ $43.28 $43.28
Other Charges: Additional Uncollected Late Charges: $317.83
Uncollected Costs: $165.00
Partial Payment Balance: $( 0.00)
TOTAL AMOUNT PAST DUE: $12,107.08
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 $12,107.08, 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..at P.O. 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 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 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.
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 have the right to cure the default and prevent the sale
at anytime up to one hour before the Sheriff's 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
s costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements
i' 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 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: Bank of America,N.A.
Address: PO Box 5170 Simi Valley,CA 93062-5170
Phone Number: 800-669-0102
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 personallyidentifiableinformation should not be transmitted by this non-encryptedemail.If
you prefer to send confidentialinformation via e-mail,please contact us at the telephonenumber 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 Sheriff's 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 attorney's fees and costs are paid prior to or at
the sale and that the other requirements of the mortgage are satisfied.
YOU MAY ALSO 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.
2272554769
HEMAP Consumer Credit Counseling Agencies
YORK County-=
--port last upd ated:05120/2013 02:18 PNI
Advantage Credit Counseling Sersdce/CCCS of Western'EA tldvantage Ci-edit Counseling Service/CCCS of Western PA
2000 L nglestown Road 55:C1over HiltRoad,.
Harrisburg,PA 17102- Llallastotvn;PA 17313
8887511;2227• 838-511-2222
Base,Inc. :Housing Alliance of Yor.WY,Housing:Resources
44-1:&
�ufh Prince Street:: 290 vr`est Market Street
T,ancamer;:PA 17603. York„PA, 17441
717-392=546, 717=855-2752
PA,Interfaith Community Prggrams Inc
°40:6 High,Sireet
Gettysburg,PA 17321,:
717-334-1518
2272554769'
UJUMAP Consumer Credit Counseling Agencies
CU'NIBERLAhI County-
Pzpart last updated:03120/2013 02:18 PM
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
888-5.112227 717-232-9757`
Housing Alliance.of YorkfY Housing Resources Maranatha.
290 West Market Street 43 Philadelphia Avenue
York,PA 17401 Waynesboro,PA 17269
717-855-2752 717=762=3285
PathStone Corporation PathStone.Corporation
1625 North Front St. 450 Cleveland Ave
Harrisburg;PA 17102 Chambersburg,PA 17201.
7/17-234-6616 717-264-5913
PA.Interfaith Community Programs Inc PIWA
40 E High.Street 211 North Front Street
Gettysburg,PA 17325 Harrisburg,FA 17110
717-334-1518 717-780-3940 800-3422397
2272SSy769
C3_3222_BRECDISC 15352 09/24/12
IMPORTANT DISCLOSURES
If you are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under
applicable bankruptcy law, this notice is for information only and is not an attempt to collect the debt, a
demand for payment, or an attempt to impose personal liability for that debt. You are not obligated to
discuss your home loan with us or enter into a loan modification or other loan-assistance program. You
should consult with your bankruptcy attorney or other advisor about your legal rights and options.
Bank of America, N.A., the servicer of your home loan, is required by law to inform you that this
communication is from a debt collector.
There has been a payment default or other default on your loan that could result in acceleration of all sums
due under the Note. As a result, Bank of America, N.A. will use companies, including its affiliates LandSafe
Default, Inc., LandSafe.Services, LLC:;LandSafe Title of California, Inc., LandSafe Title of Washington, Inc.,
LandSafe Title of Florida, Inc., LandSafe Services of Alabama, Inc., LandSafe Title of Texas, Inc.,.
ReconTrust Company, N.A., and LandSafe Appraisal Services, Inc., to provide services required to protect
the Noteholder's interest and rights in the property and under the note and security instrument, including any
remedies thereunder (the "Default Related Services"). Bank of America, N.A. will assess fees to your loan
account for the Default Related Services, including those provided by its affiliates. A schedule.of fees that
may be .charged to your account for Default Related Services is available at the following web address:
hfto://www.bankofamerica.com/defaultfees. If you donot have internet access; please contact us at
1-800-669-6607, Monday through Thursday 8 a.m. - 11 p,m. Eastern, Friday 8 a.m. 9 p.m. Eastern,
Saturday 9 a.m. - 3 p.m. Eastern, to have a fee schedule mailed to you. The fee schedule contains a
complete list of the default-related services you could be charged, but does not include a complete list of all
fees or charges that could be assessed on your loan account.
MILITARY PERSONNEUSERVICEMEMBERS: If you or your spouse is a member of the military, please
contact us immediately. The federal Servicemembers Civil Relief Act and comparable state laws afford
significant protections and benefits to eligible military service personnel, including protections from
foreclosure as well as interest rate relief. For additional information and to determine eligibility please
contact our Military Assistance Team toll free at 1-877-430-5434. If you are calling from outside the.U.S.
please contact us at 1-8.17-685-6491.
2272554769
DIVULGACIONES IMPORTANTES
Si usted se encuentra actualmente en un procedimiento de quiebra, o ha obtenido previamente una
exoneraci6n de esta deuda bajo la ley aplicable sobre quiebra, este no es.un intento de recaudaci6n, una
demanda de pago o un intento de imponer una responsabilidad personal por esa :deuda. Usted no esta
obligado(a) a hablar de su prestamo para vivienda con nosotros ni a participar en un programa de
modificacion de prestamos u otro programa de asistencia para prestamos: 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 pr@stamo para vivienda esta obligado por ley a informarle, a.
usted que esta comunicacidn proviene de un cobrador de deudas.
Ha ocurrido un incumpiimiento de pago u otro tipo de.incumplimiento con su prestamo que'podria resultar en
la aceleracion 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., R.econTrust Company, NA, y Landsafe Appraisal
Services, Inc., para proporcionar servicios necesarios para proteger los intereses del Titular.en la propiedad.
y sus derechos bajo el instrumento de seguridad y el ,pagare, incluyendo cualquieea de;sus recurso.s(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 esta disponible en.ei sitio;de lntemet: fhtto://vwvw.bankofamerica:com/defaultfeesj:. Si usted
no tiene acceso'a internet, por favor comuniquese con nosotros al 1-800-66976607:de lunes'a.jueves de 8 a.
rn. a 110. m..hora dei este, viernes de 8 0. m. a R p rn..;hoea dei este, sabodos de 9 a. M.,a 3 p, m. hora del
este; para pedir que se le envie ung lista de:cargos por. correo. La lista'de•cargos contiene una lista
completa de los servicios relacionados por incumplim,iento que le podian dobrar, pero no incluye Ona lista
completa de todos Jos costos y cargos que podrian ser aplicados a la cuenta de su prestamo:
PERSONAL MILITAR/ MIEMBROS DE LAS FUERZAS ARMADAS: Si usted o su cbnyuge:es un miembro
del servicio militar, por favor.comuniquese con nosotros inmediatamente: 'La Ley federal de Ayuda Civil
para Miembros de las Faerzas.Armadas y las Jeyes es
tatales comparables otorgan protecciones y beneficios
sign ificativos al personal del servicio militar que califique, incluidas protecciones contra la gjecucign
hipotecaria asi coma ta.mbien ayuda en la tasa de-interes. Para obtener mas informacion y determinar su
calificacion por favor, Ilame sin costo a nuestro Egpipo de Asistencia para el .Servicio Militar al
1-877430-5434: Si usted'Hama desde fuera de los Estados Unidos por favor comuniquese con nosotros al
1-817-685-6491;
2272SS4769
C3_5088 OPTAVDFC 15319 09/24i2012
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
'N
Home Affordable A federal government program that allows you to repay the loan on newly agreed upon' te'r'ms,
Modification which may include lowering the interest rate, placing past due amounts at the end of the loan,
Program(HAMP) and/or extending the term of the loan. You may be eligible for this program if you meet the
following requirements:
0 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
4 You have documented a financial hardship and represented that you do not have sufficient
liquid assets to make the monthly mortgage payments.
• Your mortgage was obtained before Jan. 1,2009.
• The property securing the mortgage loan has not been condemned or is not in such poor
physical condition that it is not habitable even if not condemned
• The mortgage is secured by a one to four unit property
Loan If you can bring your loan payments up to date,we will accept the funds needed to bring the
Reinstatement loan up to date until the day of your foreclosure sale.
Repayment Plan A repayment plan allows you to make your regularly scheduled mortgage payments, plus pay—
off a portion of the past due amounts over time. This may include principal, interest,fees,
and/or costs assessed to your loan.
Temporary An agreement whereby we agree not to proceed with foreclosure and/or collection of payments
Forbearance for a period of time,to allow you to re-establish your ability to make the required payments.
Agreement
Loan Modification A loan modification is a change to the original terms of your loan. Loan modifications could
(non-HAMP) include lowering your interest rate, extending the term or maturity date of the loan, moving
from an adjustable to a fixed-rate loan, deferring some portion of the unpaid principal balance
to the end of the loan, and/or forgiving some portion of the unpaid principal balance.
Partial Claim(FHA If you have a Federal Housing Administration(FHA) loan and your payments are past due Wbut
loans only) you are now able to make your regular monthly mortgage payment, this program is designed to
bring your loan up to date by creating a second mortgage/lien on your property for the amount
that is past due.
Options to consider if you cannot or do not wish to stay in your home
. . ..... . . ....
... .....
Home Affordable Designed to help borrowers who are eligible for the Home Affordable Modification Program
Foreclosure (HAMP)but were unsuccessful in securing a permanent modification through the program.
Alternatives HAFA provides the option of a short sale and, if unsuccessful, a deed in lieu of foreclosure. A
Program(HAFA) short sale is a transaction in which you sell your property for less than the total amount owed
on the loan (subject to agreement by your servicerPenderAnvestor), resulting in the release of
our lien on your home and avoidance of foreclosure. A deed in lieu of foreclosure is a
transaction in which you agree to voluntarily transfer ownership of your property to us in order
to avoid foreclosure.
Short Sale/ If you can no longer a'fford to make your mortgage payments and your home is worth less than
Pre-foreclosure you owe, a short sale may allow you to sell your home to pay off the mortgage. In a short sale,
Sale(non-HAFA) the lender agrees to accept an amount less than what is actually owed on the loan. Offered to
borrowers who are not eligible for HAMP or other home retention alternatives.
Deed in Lieu of Used as an alternative to foreclosure, with a deed in lieu of foreclosure.
. you transfer ownership
Foreclosure of your house and all property secured by your mortgage loan. This may satisfy the total
(non-HAFA) amount due on that mortgage. Offered to borrowers not eligible for HAMP or other home
I 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.
2272554769
Hay opciones disponibles para ayudarle a
Evitar la Ejecucio' n Hipotecaria
Uame al n6mero que aparece en la notificad6n adjunta para obtener mos
informaci6n
Cuando Ilame., por favor tenga a la mano la informaci6n de sus ingresos y gastos para que podamos
di.scutir cu6les opciones podrian funcionar para usted.
Opciones a considerar si Su Objetivo es, permanecer I en su casa
In'
5
,Home Affordable Es un programa del goblerno federal que le permite pagar el pr6stamo bajo los nuevos;
Modification t6rminos acordados, que pueden incluir la reducci6n de la tasa de inter6s, agregar
Program(HAMP) cantidades vencidas al final del pr6stamo, y/o extender el plazo del pr6stamo. Listed
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 $7:29,750 7.29,750
d6lares para una vivienda unifamiliar, $934,200 d6lares para una propiedad de 2
unidades, $1;129,250 d6lares para una propiedad de 3 unidades o$1,403,400 para
una propiedad de 4 unidades
• Usted ha documentado que atraviesa por una dificultad Financiera y declarado que no
tiene suficiente liquidez para hater los pagos mensuales de fa hipoteca.
• Obtuvo su hipoteca antes del I de enero de 2009.
• La propiedad que garantiza el pr&stamo hipotecario no ha sido condenada o no est6 en
malas condiciones fisicas tomo para no poder habitarse incluso si no esm condenada.
• La hipoteca esti garantizada por una propiedad de una a cuatro unidades.
Rbstablecirnient Si usted pued.e poner al dia los pagos de so pr6stamo,aceptaremos los fohdos necesarios.
o.del Pr6stamo para que el pr6stamo este al dia hasta la fec6 de la venta por ejecuci6n hipotecaria.
Plan de Pago Un plan de pago le permite a usted.hater sus pagos hjpoteGarios regulares, adern6s de
.pagar una porci6n'de los montos Vencidos a trav6s del tiempo. Esto puede incluir capital,
inter6s,cargos o costos
aplipados a su,prestamo.
Acuerdo Es un acu'erdo en el cual aceptamos no proceder con la ejecuci6n hipotecaria y/o el cobro
Temporal de de los pagos por un periodo de tiempo, para permi.tirle que restablezca su habilidad de
Tolerancia por hater los pagos requeridos.
incumplimiento
Modificaci6n de Una modificaci6n del pr6stamo es un cambio en los t6rmihos onginales de su
Pr6stamo Las modific-aciones �rl§stamo,
,podrian incluir reducir su tasa de inter6s, extender el t6rmino o la fecha
(no porMediode pago del pr6stamo, Gambiar de un pr6stamo de tasa de inter6s ajustable a uno de tasa
deHAMP) de inter6s fiJa, diferir una parte del saldo del capital impagado al final del pr6stamo, y/o
condonar una parte del saldo de capital impagado.
Reclarno Parcial Si usted tiene un prefistarrio de la Administraci6n Federal de Vivienda(FHA)y sus pagos
(solamente est6n vencidos, pero ahora puede h'acer sus pagos regulares mensuales de la hipoteca,
prdstamos de la este programa est6 disehado para que su pr6stamo este al dia mediante 16 creaci6n de
FHA) una segunda hipotecaj gravamen sobre su propiedad por el monto clue est6 vencido,
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Opciones a considerar si no puede o no desea quedarse en su casa
Home Affordable Disenado para ayudar a los... ;�<::»:a:: ::,:z:::.::a;
prestatarios que califican para el Programa de home
Foreclosure Affordable Modification(RAMP), pero no consiguieron obtener una modificaci6n
Alternatives permanente a trav6s del programa. HAFA ofrece la posibilidad de una venta en
Program(HAFA) descubierto y, si no tiene exito, una escritura de traspaso voluntario de propiedad en lugar
de la ejecuci6n hipotecaria..Una venta en descubierto es una transacci6n en la que usted
vende su propiedad por menos de la cantidad adeudada en el pr6stamo (sujeto a previo
acuerdo de su administrador/prestamista/inversionista), resultando en la liberaci6n de
nuestro derecho de retenci6n sobre su propiedad y evitar la ejecuci6n hipotecaria. Una
escritura de traspaso voluntario de propiedad en Lugar de la ejecuci6n hipotecaria es una
transacci6n en la que usted est6 de acuerdo de transferir voluntariamente las escrituras de
su propiedad a nosotros con el fin de evitar la ejecuci6n hipotecaria.
Venta en Si usted ya no puede hacer sus pagos hipotecarios y su vivienda vale menos de lo que
descubierto/ usted adeuda, una venta en descubierto le podria permitir vender su vivienda para pagar
Venta previa a la la hipoteca. En una vents en descubierto, el prestamista acepta recibir una monto menos
ejecuci6n de Io que actualmente se adeuda en el pr6stamo. Se ofrece a los prestatarios que no
hipotecaria(no por califican para HAMP o para otras alternativas de retenci6n de la vivienda.
medio de HAFA)
Escritura de Se usa como una alternativa de la ejecuci6n hipotecaria. Con una escritura de traspaso
traspaso de voluntario de propiedad en Lugar de la ejecuci6n hipotecaria, usted transfiere la titularidad
propiedad en lugar de su vivienda y toda la propiedad que garantiza su pr6stamo hipotecario. Esto puede
de la ejecuci6n hacer que el monto total vencido de esa hipoteca se considere como pagado. Se ofrece a
hipotecaria(no por prestatarios que no califican para HAMP u otras opciones de retenci6n de vivienda, y que
medio de HAFA) no pudieron vender la propiedad a traves de una vents en descubierto.
Estamos aqui para ayudarle. Por favor Ilamenos hoy.