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Home My WebLink About05-2154 GOLDBECK McCAFFERTY & McKEEVER By: JOSEPH A. GOLDBECK, JR. ATTORNE'i I.D. #16132 SUITE 5000 - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106 (215) 627-1322 ATTORNEY FOR PLAINTIFF IN THE COURT OF COMMO PLEAS SOVEREIGN BANK S/B/M HARRIS SAVINGS BANK 601 Penn Street Reading, P A 19601 OF Cumberland COUNT Plaint!ff CIVIL ACTION - LAW vs. CHRISTOPHER D. FREEDMAN Mortgagor and Real Owner 16 Drexel Place New Cumberland, P A 17070 ACTION OF MORTGAGE FORE LOSURE Term No. OS'- d 5'11 L~ CIVIL ACTION: IVIOFrrGft,C- F NOT ICE FORECLOSURF You have been sued in court. If you wish to defend against the claims set forth in the fo11o ing pages, you must take action within twenty (20) days after the Complaint and notice are served, by enterin a written appearance personally or by attorney and filing in writing with the court your defenses or objectio to the claims set forth against you. You are warned that if you fail to do so the case may proceed withou you and a judgment may be entered against you by the Court without further notice for any money claim in t e Complaint of for any other claim or relief requested by the Plaintiff. You may lose money or property or othe rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NO LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAYBE ABLE TO YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES T PERSONS AT A REDUCED FEE OR NO FEE. Defendant LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 CUMBERLAND' COUNTY BAR ASSOCIATION 2 Liberty A venue Carlisle, PA 17013 AVISO LE HAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONT QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE USTED RESPOND DE 20 DIAS DESPUES DE SER SER VIDO CON EST A DEMANDA Y A VISO. PARA DEFEN ERSE ES NECESSARIO QUE USTED, 0 SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ES RITA, EL PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ES DEMANDA RECUERDE: SI USTED NO REPONDE A EST A DEMANDA, SE PUEDE PROSEGUI CON EL PROCESO SIN SU P ARTICIP ACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO, ECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE USTED CUMPLA CON TODAS LAS PR VISIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUE A PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. USTED DEBE LLEV AR ESTE P APEL A SU ABOGADO ENSEGUIDA. SI USTED N ABQGADO, VA Y A 0 LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. EST PUEDE PROVEERE CON INFORMACION DE COMO CONSEUIR UN ABOGADO. S1 USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PR VEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A ERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO 0 GRATIS. LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 THIS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTINGTO COLLEC 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 again t you, you still may be able to SAVE YOUR HOME FROM FORECLOSURE. I). Call an attorney. For referrals to a qualified attorney call either of the following numbers 717-243- 9400 or . 2). Call Pennsylvania Housing Finance Agency at 800-342-2397 for a counseling agency in our neighborhood. 3). Visit HUD'S website www.hud.gov/oHices/hsglsth/econleeon.cfm for Help for Homeo ners Facing the Loss of Their Homes. 4). Call your lender and ask to speak to someone about Loss Mitigation or Home Retention ptions. 5). Call or contact our offiee to request the amount to bring the aecount eurrent, or payoffth mortgage orrequest a Loan Workout / Home Retention Package. Call Carol at 215-825-6329 or Nancy at 215- 25-6358 or fax 215-825-6429 or 215-825-6458. The figure and/or package you requested will be mailed to t address that you request or faxed if you leave a message with that information. The attorney in eharge of our Irm's Homeowner Retention Department is Edward Sparkman who can be reached at 215-825-6318 or Fa : 215-825- 6418. Please reference our Attorney File Number of SB-0079. Para informacion en espanol puede communicarse con Loretta aI215-825-6344. This Action of Mortgage Foreclosure will continue unless you take action to S op it. COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is SOVEREIGN BANK SIBIM HARRIS SAVINGS BANK, 601 Penn Street, Re ding, PA 19601. 2. The name and address of the Defendant is CHRISTOPHER D. FREEDMAN, 16 Drexel Pee, New Cumberland, PAl 7070, who is the mortgagor and real owner of the mortgaged premises h reinafter described. 3. On December 09, 1999 mortgagor made, executed and delivered a mortgage upon the pre hereinafter described to SOVEREIGN BANK SIBIM HARRIS SAVINGS BANK, which ortgage is recorded in the Office ofthe Recorder of Deeds of Cumberland County as Book 1586 Page 901. The Mortgage and Assignment(s) are matters of public record and are incorporated by this refer nee in accordance with Pennsylvania Rule of Civil Procedure 1019(g) which Rule relieves the PIa tiff 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 fo as Exhibit "A". 5. The mortgage is in default because monthly payment of principal and interest upon said mo gage due January 01,2005, and each month thereafter are due and unpaid, and by the terms of said m rtgage, upon default in such payments for a period of one month, the entire principal balance and al interest due thereon are collectible forthwith. 6. The following amounts are due on the mortgage: Principal Balance Interest from 1210 112004 through 0412012005 at 7.3750% Per Diem interest rate at $13.79 Reasonable Attorney's Fee Ifthe Mortgage is reinstated prior to a Sheriff's Sale the Attorney's Fees may be less than this amount based on work actually performed. The Attorney's Fees requested are in conformity with the Mortgage and Pennsylvania law. Plaintiffreserves its right to collect Attorney's fees of up to 5% of the remaining principal balance ($3,428.67) in the event the Property is sold to a third party purchaser at Sheriff's Sale or if the complexity of the action requires additional fees in excess of the amount demanded in the Action. Late Charges from 0110112005 to 0412012005 Monthly late charge amount at $12.51 Costs of suit and Title Search $68,57 .44 $1,94 .85 $1,25 .00 Escrow Due MI Premium Due Fees $900. 0 $72,718. 5 +$102. 3 +$73. 3 +$36. 5 $72,930. 6 7. Plaintiff is not seeking a judgment of personal liability (or in personam judgment) against e Defendant in this Action but reserves it's right to bring a separate Action to establish that right, if suc right exists. If Defendant has received a discharge of their personal liability in a Bankruptcy proceedin , this Action of Mortgage Foreclosure is, in no way, an attempt to re-establish the personal liability that as discharged in Bankruptcy, but only to foreclose the Mortgage and sell the Property pursu to Pennsylvania law. 8. Notice ofIntention to Foreclose and a Notice of Homeowners' Emergency Mortgage Assis ance has been sent to Defendant by Certified and regular mail, as required by Act 160 of 1998 of th Commonwealth of Pennsylvania, on the date(s) set forth in the true and correct copy of suc notice(s) attached hereto as Exhibit "B". The Defendant has not had the required face-to-face meeti g within the required time and Plaintiff has no knowledge of any such meeting being requested by the D fendant through the Plaintiff, the Pennsylvania Housing Finance Agency, or any appropriate Consu er Credit Counseling Agency. WHEREFORE, Plaintiff demands a de terris judgment in mortgage foreclosure in the sum of $72, 0.36, together with interest at the rate of $13.79, per day and other expenses incurred by the Plaintiffwhi hare properly chargeable in accordance with the terms of the Mortgage and Pennsylvania law, and for th foreclosure of the Mortgage and Sheriff's Sale ofthe Property. By: LD ECK Me AFFERTY & MeKEEVE Y: JOSEPH A. GOLDBECK, JR., ESQUIRE ATTORNEY FOR PLAINTIFF VERIFICATION I, Alan Norris, as the representative of the Pla'ntiff corporation within named do hereby verify that I am authorized to and do make this verification on behalf of the Pla'ntiff corporation and the facts set forth in the foregoing Complain are true and correct to the best of my knowledge, informatio and belief. I understand that false statements therein are made subject to the penalties of 18 Pa. C.S. 4904 relating to un worn falsification to authorities. Date:April 21, 2005 Alan Norris, Foreclosure Administrat r #356106665 - CHRISTOPHER D. FREEDMAN Apr-05-2005 10:41 From-PREMIER ABSTRACT +243 3390 mouerr'A' ALL. THAT CERTAIN lot or p;... orlaDd slluate m tile TOWIUbip ofLower AIIeo. CouDty oC ~lll4eo_oCP"""ll......_oo4_;._w<hPIoD sbowios F_1IeUI=ial eo........yv;n.,. OIl" PIwe Qoe, Scotio. A. D>I<lo by Oenil J. BClZ ^"">cislcs,1oc.,_-.,y27.19781D<1""_~2, 1978,u_;.1IloOffice ortbcR.econ1etorDetdsof~ Cowuy, p~ DDFebnmry 14. 1979,iIl.Plu Book 26. P>ae ,0. wIlicl>PIan;, _ iocorpo_ by.._ IS iC_olltllcbcd, u Uo.ilN_ 16 im ~ -'i" WDSiSlm. ors002 JelkaR teet ancI described OD. said H 8uilr Plan by ~cs aM boUDdt which descPptio. is _ hctciD ""-,,led by rcr..._. 1OClEI1ln..... 011 1h<_0Ildrial>u or_ omI ~ lS....,.ed omImcr>ed by _N_COIp.oodFoxJca~ln<. milJllOodto~CoUllly_pa\1lonlr .... TMt Co__ ApriI'I, I'J7S and duly....._ ill 1Ilo 0Jlic0 oCthI> Reconler ofDeoclo in OIld(or1h<CoPDl)' ofCwnMIan4 inllOod BookA-26. Pago 303. UNDEll }.NO S1JBIEcr to 1h< ""'_ ...trierioos, ........... -aoo, n.." I""'" risht,. _<:c>O<IilioIP,..c:cp;oo.,..........""mlllO>dusioJJs ..__.........lWIy.cllbnh in T_ Deed _... Pold", N...... Co", and ClmIbaiood C~N_ _and TMt CompoDyda1cdNO'I<lObv 21. 1'J73 Pd _rtlcd in tho Off"", oC1h< iI<coRkr oCIlecds in oad (or 1hcCoOOlyoiO'lIlbo""'" iolleod _K-25, Pose 912,...- by Am""".....1h<Mo dlltOd AuJluIl25, 1974 .... duly _nled mille Office .r_ in Deed Book T.2S, P'se 470, aod by _ _ _Ap;(21,197S llIlIduIy..,,,.rlod io1h< Olli<:o afoocaaidloDeed Book A- 26. raa. 303..... Illy -...... to 1hc fOlogoin, U IIlJy be -. fro.. time to rime. 1bc0rl0tee, (orllllllo. _oCtho GranltJe, IUs..... pot1ODII ~ativ" ...:eo,." uai usip, by,___..ID4_ofthitIlood._Jedsc<l!lalthis_isOltl!i<etinwory _to""'_TMtDeedbyFoid..N_Cotp,10 ~ CoPDl)'Nallouol_ and TnIstCoJq>aoydatedNo_21. 1m (aroDOOuolyn:Cemdto uNo.._ 21.1974;' prior deed) ami _ed in 1hc Office oC 1hc Rt<onler ofDeoclo illlIIld (or CuInb<rlaod eo...y. ~ inllOod1look~-2S, F',. 912. U _ by }.m..,,-lhemo _AIIjIUl26, m4 aod doly _cd in tIIo Office ,rorulli4;. Deed Book T-25. pag. 410, and by__ lbaoto datal Apdl21, 1975 and duly _ iu 1h< 0Jlic0 aforooaicl m Deed Book A-26, ~ ll\l,lIIldllll)l_1O tile fbr<JlOlogulllJybo...dc li'omtimo '0 time, and 0II}.-......... thereto: ._1cd80Umt..... oud .ve,)'jl<OYision u.-ris _ to tho _openllio. uai.-_ oCFoxJca R-.;.J c.-.My, aOII m tho 1><>1............ Cot !lie _ oral! LotOwum'bcniu; and "'_ and ,_ u. oovmw -.w<h tho land, to _ by llOCh andOY"l'jl<O~ortheaforooaicl_. B/lINll1h<..... JRIIlb<o _ Thld)'~ Iho... ml_i. Bm.......lamd.... -. b)' Decd_May26, 1988 and -.did"'''' ll. 1~8' m tho Officeof1hc _ oCDcodJ illllld (or C\dII_ Coml.y 10 De<d Book 1-33. Pose 255, -,cd aod oouveyed IlOlO WoIlim> B. L_oud S.....J.l.umniIur.l...lamdllld -. tile Onotors_ UNDER AND SUBJEcr,ne:venbdeu11O ~ratrictians. ~ 1;Q00iti0Ils IDd riglnlJ of way ofrccot4 or visible upgn Wpccriou. o(__es. Mil,( 212 PAC!1i25 T-66r P004/00 F-015 ~t(hi6it f}3 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE Date of Notice: March 3, 2005 CHRISTOPHER D FREEDMAN 16 DREXEL PL NEW CUMBERLAND PA 17070 Loan # 035 106665 This is an official notice that the mort a e on our home is in default and the lender intends to foreclose. S ecific information about the nature of the default is rovided in the attached a es. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM REMAP ma beableto el to save vour home. This Notice exnlains how the nrOlUam works, To see ifHEMAP can hel ou must MEET WITH A CONSUMER CREDIT COUNSELIN AGENCY WITHIN 30 DAYS OF THE DATE OF TillS NOTICE. Take this Notice with ou when vou meet with the Counselinl! Al!encv. Honsin Finance A enc 780-1869). act LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTEN DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAM ESTA AGENCIA (PENNSYL VANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGffiLE PARA UN PRESTAMO P R EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSIST AN E PROGRAM" EL CUAL PUEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDlMffi SU illPOTECA. HOMEOWNER'S NAME(S): PROPERTY ADDRESS: CHRISTOPHER D FREEDMAN 16 DREXEL PL NEW CUMBERLAND P A 17070 LOAN ACCT. NO.: 0356106665 CURRENf LENDERJSERVICER: Sovereign Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRA YOUM YBEELIGmL ORFINAN SI TANCEWHICH ANSAVEYO HOMEFROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MO ASSISTANCE ACT OF 1983 (THE" ACT"), YOU MAY BE ELlGmLE FOR EMERGENCY MO ASSISTANCE: . IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, TGAGE GAGE . IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND . IF YOU MEET OTHER ELlGmILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLV ANlA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of for losure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and ttend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notic . THIS MEETING M ST OCCUR WITHIN THE EXT 30 DAYS. IF Y U DO NOT APPLY FOR EMER ENCY MORT AGE ASSISTANCE YOU MU T BRING YOUR M RT AGE UP TO DAT . THE PART 0 TH S OT C AL ED"HOW TO C 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 co seling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days er the date of this meeting. The es addresses and tel hone n ers of desi ated consumer credit co elin a!!:encies for the counlY in which the nronerty is located are set forth at the end of this Notice. It is only nece ary to schedule one face-to-face meeting. Advise your lender immediatelv of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE Your mortgage is in default for the reasons set fo later in this Notice (see following pages for specific infonnation about the nature of your default.) If you have . d and are unable to resolve this problem with the lender, you have the right to apply for financial assistance fr m the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a co pleted Homeowner's Emergency Assistance Program Application with one of the designated consumer credit co eling agencies listed at the end of this Notice. Only conswner credit counseling agencies have applicatious r the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance A ency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU ~ FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE AY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORT AGE AsSISTANCE WILL BE DENIED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be dis by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agen has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure procee ings will be pursued against you if you have met the time requirements set forth above. You will be notified direc y 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, T FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT B CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have flied bankruptcy you cau still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brin2 it UD to date). NATURE OF THE DEFAULT --The MORTGAGE held by Sovereign Bank (hereinafter we, us, or 0 on your property located at 16 DREXEL PL, NEW CUMBERLAND PA 17070, IS SERIOUSLY IN D FAULT because YOU HAVE NOT MADE THE MONTHLY PAYMENTS of $661.72 since 01/01/05 to the pr t. The total amount now required to cure this default, or in other words, get caught up in your payments, as of date of this letter, is $2048.98. The total amount includes late charges and any other charges that have accrued to 's date. If you disagree with the assertion that a default has occurred or the correctness of the calculated amount re uired to cure the default, contact SOVEREIGN BANK MORTGAGE COLLECTIONS DEPARTMENT PO BOX 8627 READING PA 19603 1-800-753-7366 HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (30) DAYS of the dat of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $2048.9 ,PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WIllCH BECOME DUE DURING THE THIR (30) DAY PERIOD. Pa ents must be made either b cash cashier's chee certified check or m ne ord r made {'avable to Soverei~n Bank and sent to the above address. IF YOU DO NOT CURE THE DEFAULT-If you do not cure the default within THIRTY (30) DAY date of this Notice, the lender intends to exercise its rillhtS to accelerate the mortllalle debt. Thisnreans entire outstanding balance of this debt will be considered due immediately and you may lose the chance to mortgage in monthly installments. If full payment of the total amount past due is not made within THIR DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose n on our mo nrODertv . of the tthe ay the (30) a ed IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to ayoff 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 were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to ay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees '11 be added to the amount you owe the lender, which may also include other reasonable costs. If ou cure the efault within the THffiTY (30) DAY period. vou will not be reuuired to pav attornev's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default ithin the THIRTY (30) DAY period and foreclosure proceedings have begun, ou sti I have the ri ht to cure the fault and reventthe sale t an time to one hour before the Sheriffs Sale. You ma do so b a'n the total a aunt en ast due ius an late or other char es then due reason bIe attome 1 s fees and costs connected wi the foreclosure sale d an other costs connected with the Sheriff s Sale as s ecified in writin b the lender d b performing any other requirements under the mortgage, Curing your default in the manner set forth i this notice will restore your mortgage to the same position as if you had uever defaulted. EARLIEST POSSffiLE SHERIFF'S SALE DATE It is estimated that the earliest date that such a Sheriff' Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Noti e. A notice of the actual date of the Sheriff s Sale will be sent to you before the sale. Of course, the amount need d to cure the default will increase the longer you wait. You may find out at any time exactly what the required pa ent or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name olLender: SOVEREIGN BANK Address: PO BOX 8627, READING PA 19603 Phone Number: 1-800-753-7366 Fax Number: 1-800-881.9334 Contact Person: Constance M. Cocrolt, Vice President EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your owners mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may have the right to sell or transfer your home to a buyer or feree who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's ees 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 TIlE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF TIllS DEBT. TO HAVE THIS DEF AUL T CURED BY ANY TIlIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEF AUL T HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT T 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 OTIlER DEFENSE YOU BELIEVE YOU MAY HA VB TO SUCH ACTION BY LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (SEE ENCLOS ) You may contact our Mortgage Services Department via E-mail at: MORTSERV@SOVEREIGNBANK.COM This bank is a debt collector attempting to collect a debt and any information obtained from you will be nsed E that purpose. HOUSING AND URBAN DEVELOPMENT ("HUD") NOTIFICATION IMPORTANT NOTICE OF THE HOUSING AND COMMUNITY DEVELOPMENT ACT OF 1987 PLEASE READ THIS NOTICE. HOMEOWNERSHIP COUNSELING MAY BE AVAILABLE TO YO DATE: March 3, 2005 TO: CHRISTOPHER D FREEDMAN RE: Account No. 0356106665 FROM: Sovereign Bank The Housing and Community Development Act of 1987 requires that Sovereign Bank notifY eligible homeowners wi delinquent home loans of the availability of homeowners hip counseling. Because your home loan is DELINQUENT, you may be eligible for homeownership counseling provided by certain non-profit organizations. PLEASE CALL THE HUD TOLL FREE NUMBER AT 1-800-569-4287 FOR MORE INFORMATION. If you have any questions about your home loan you may caU or write to Sovereign Bank at: MORTGAGE COLLECTIONS DEPARTMENT SOVEREIGN BANK PO BOX 8627 READING PA 19603 \-800-753-7366 Constance M. Cocroft Vice President PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES ARMSTRONG COUNTY Weatherization Office CCCS of Western P A, Inc. 917 Mifflin Street 217 East Plank Road Huntingdon, PA 16652 Altoona, PA 16602 8\4-643-2343 814-944-8100,814-944-5747 ADAMS COUNTY American Red Cross - Hanover Chapter 529 Carlisle Street Hanover, PA 17331 7\7-637-3768 FAX 717-637-3294 Financial Counseling Services of Franklin 31 West 3"' Street Waynesboro, PA 17268 717-762-3285 CCCS ofWesternPA 2000 Linglestown Road Harrisburg, P A 17102 717-541-1757 717-541-4670 Adams County Housing Authority 139-143 Carlisle Street Gettysburg, P A 17325 717-334-1518, FAX 717-334-8326 ALLEGHENY COUNTY Pennsylvania Housing Finance Agency 2275 Swallow Hill Road, Bldg. 200 Pittsburgh, P A 15220 412-429-2842, FAX 412-429-2835 Action Housing Inc. 425 6" Avenue, Suite 950 Pittsburgh, PA 15219 412-391-1956,412-281-2102, 800-792-2801, FAX 412-391-4512 eees of Western P A, Inc. 309 Smithfield Street Pittsburgh, P A 15222 4\2-471-7584 Urban League of Pittsburgh Bldg. for Equal Opportunity One Smithfield Street Pittsburgh, P A 15222 412-227-4802, FAX 412-261-5207 Mon-Valley Unemployed Committee 120 E. 9th Avenue Homestead, PA 15120 412-462-9962 Credit Counselors of P A 40 I Wood Street, Suite 906 Pittsburgh, P A 15222 4\2-338-9954,800-737-2933 FAX 412-338-9963 Community Action Southwest 22 West High Street Waynesburg, P A ] 5370 724-852-2893 HOUlling Opportuuities 133 Seventh Street, PO Box 9 McKeesport, PA ]5132 412-664-1906 FAX 412-664-0873 Credit Counselors ofPA 40 I Wood Street Suite 906 Pittsburgh, PAl 5222 412-338-9954,800-737-2933 FAX 412-338-9963 Indiana Co. Community Action Program 827 Water Street, Box 187 Indiana, PAl 570 I 724-465-2657 FAX 724-465-5118 BEAVER eOUNTY Action Housing, Inc. 425 6th Avenue, Suite 950 Pillsburgh,PA 15219 412-391-1956 FAX 412-391-4512 Housiug Opportunities of Beaver Co, Inc. 650 Corpomtion Street, Suite 207 Beaver,PA 15009 724-728-75 I 1 Credit Counselors nf P A 40 I W nod Street, Suite 906 Pittsburgh,PA 15222 412-338-9954,800-737-2933 FAX 412-338-9963 CCCS of Western PA, Inc. 971 3"' Street Beaver, PA 15009 724-774-0798 Mon-Valley Unemployed Committee 120 E. 9th Avenue Homestead, PA 15120 412-462-9964, 412-462-9962 Housing Opportunities, Inc. /33 7'" Street, PO Box 9 McKeesport, P A 15134 412-664-1906 FAX 412-664-0873 BEDFORD COUNTY Bedford-Fulton Housing Services 10241 Lincoln Highway Everett, PA 15537 814-623-9129 FAX 814-623-7187 Keystone Economic Development Corp. 1954 Mary Grace Lane Johnstown, PA 15901 814-535-6556 FAX 814-539-1688 eecs of Western P A, Inc. 217 E. Plank Road Altoona, P A 16602 8] 4-944-8100 FAX 814-944-5747 Tableland Services, Inc. 535 East Main Street Somerset, PA 15501 814-445-9628,800-452-0148 FAX 814-443-3690 BERKS COUNTY Budget Counseling Center 247 North Fifth Street Reading, P A 1960 I 610-375-7866 FAX 610-375-7830 EOC of Schuylkill County 225 N. Centre Street Pottsville, P A 17901 717-622-1995 FAX 717-622-0429 cees Lehigh Valley 3671 Crescent Court East Whitehall, P A 18052 610-821-4011,800-220-2733 (8 4) only FAX 610-821-8932 Community Housing Counselo Inc. PO Box 244 Kennett Square, P A 19348 610-444-3682 FAX 610-444-8243 BLAIR COUNTY Bedford-Fulton Housing Servi RD I Box 384 Everett, PA 15537 814-623-9129 FAX 814-623-7187 eces of West em PA, Inc. 217 East Plank Road Altoona, P A 16602 8]4-944-8100,814-944-5747 Keystone Economic Developmen Corp. 1954 Mary Grace Lane Johnstown, PA 15901 814-535-6556 FAX 814-539-1688 Weatherization Office 917 Mimin Street Huntingdon, P A 16652 814-643-2343 CARBON COUNTY Eo(; of Schuylkill County 225 North Center Street Pottsville, P A 17901 570-622-1995 FAX 570-622-0429 CCCS of Lehigh Valley 3671 Crescent Court East Whitehall, P A 18052 610-821-4011,800-220-2733 717 and 814 only for 800 FAX 610-821-0137 eccs of Northeastern P A 1400 Abington Executive Park, Suite 1 Clmks Summitt, P A 18411 570-587-9163,800-922-9537 FAX 570-587-9134/9135 cces of Northeastern PA 31 W Market Street Wilkes-Barre, PA 18702 570-821-0837,800-922-9537 FAX 570-821-1785 CCCS of Northeastern PA 9 South 1" Street Stroudsburg, P A 18360 570-420-8980, 800-922-9537 FAX 570-420-8981 CCCS of Northeastern P A 1631 S Atherton Street, Suite 100 Slate eollege, P A 16801 814-238-3668 FAX 814-238-3669 CEO of Luzerne eounty 163 Amber Lane Wilkes-Barre, PA 18702 570-826-0510,800-822-0359 FAX 570-829-1665 - eALL FIRST 570-455-4994 Haz1eton FAX 570-455-5631- eALLF1RST 570.-836-4090 Tunkhannock CENTRE COUNTY eccs ofWeslern PA, Inc. 217 East Plank Road Altoona, P A 16602 814-944-8100 FAX 814-\)44-5747 Lycoming-Clinton eo STEP 2138 Lincoln Street, PO Box 1328 WilIiamsport, PAl 7703 570.-326-0587 FAX 570.-322-2197 cees of Northeastern P A 1631 S Atherton Street, Suite 100 Slate College, PA 16801 814-238-3668 FAX 814-238-3669 eces of Northeastern P A 201 Basis Street WilIiamsport, PAl 7703 570-323-6627 FAX 570-323-6626 eHESTER COUNTY Acorn Housing Corporation 846 North Broad Street Philadelphia, P A 19130 215-765-1221 FAX 215-765-1427 Budget Counseling Center 247 North Fifth Street Reading, P A 1960 I 610-375-7866 FAX 215-375-7830 HACE 167 W, Allegheny Avenue, 2'" Floor Philadelphia, P A 19140 215-426-8025 FAX 215-426-9122 Media Fellowship House 302 S. Jackson Street Media, PA 19063 610.-565-0846 FAX 610-565-8567 Tabor Conununity Services, Inc. 439 East King Street Lancaster, P A 17602 717-397-5182,800-788-5062 (H. O. only) FAX 717-399-4127 American Red Cross of Chester 1729 Edgemont Avenue Chester, PA 19013 610.-874-1484 Northwest Counseling Services 5001 N. Broad Street Philadelphia, PA 19141 215-324-7500 FAX 215-324-8753 cecs of Delaware Valley 1515 Mmket Street, Suite 1325 Philadelphia, P A 19107 215-563-5665 FAX 215-563-7020 Community Housing Counseling Inc. PO Box 244 Kennett Square, P A 19348 610-444-3682 FAX 610-444_8243 Philadelphia Council for Conununity Adv. 100 North 17" Street, Suite 600 Philadelphia, P A 19103 215-567-7803 FAX 215-963-9941 eDC ofFrankford Group Ministry 4620 Griscom Street Philadelphia, PA 19124 215-744-2990 FAX 215-744-2012 cces of Delaware Valley Marshall Building 790 E Market Street, Suite 21 5 WestChester,PA 19382 215-563-5665 American eCI 845 Coates Street eoatesville, PA 19320 888-212-6741 American eCI 144 E Dekalb Pike King of Prussia, P A 19406 610-971-2210 FAX 610-265-4814 American Ce1 755 York Road, Suite 103 Wanninster, PA 18974 215-444-9429 FAX 215-956-6344 CLARION COUNTY eces of Western Pennsylvan a, Inc. YMCA Building, 339 N Was nglon Street Butler, PA 16001 4\2-282-7812 CLEARFIELD COUNTY Keystone Economic Develo 1954 Mary Grace Lane Johnslown, PA 15901 814-535-6556 FAX 814-539-1688 Indiana Co. eAP 827 Water Street, Box 187 Indiana, PA 15701 724-465-2657 FAX 724-465-5118 cees of Western P A, Inc. 217 E Plank Road Altoona, P A 16602 814-944-8100 FAX 814-944-5747 cees of Northeast em P A 1631 S Atherton Street, Suite I 0 Slate College, PA 16801 814-238-3668 FAX 814-238-3669 eces of Western PA 2I9-A College Park Plaza Johnstown, PA 15904 814-539-6335 CLINTON COUNTY Lycoming-Clinton Counties S 2138 Lincoln Street, PO Box 13 8 WilIiamsport, P A 17703 570-326-0587 FAX 570-322-2197 eces of Northeastern P A 201 Basin Street Williamsport, P A 17703 570-323-6627 FAX 570-323-6626 1631 S Atherton Street, Suite 10 State College, P A 1680 I 814-238-3668 FAX 814-238-3669 FAYETTE COUNTY Action Housing Inc. 425 6'h Avenue, Suite 950 Pittsburgh, P A 15219 412-391-!956,412-281-2102 FAX 412-391-4512 Mon Valley Unemployed Committee 120 East 9'" Avenue Homestead, PA 15120 412-462-9962 Tableland Services, Inc 131 North Center Avenue Somerset, Pa 15501 814-445-9628 FAX 814-443-3690 CCCS of Western PA, Inc 1 North Gate Square 2 Garden Center Drive Greensburg, PAl 560 1 724-838- 1 290 Community Action Southwest 22 West High Street Waynesburg, PA 15370 724-852-2893 Fayette Co Community Action Agency 137 North Beeson Avenue Uniontown, PAl 540 1 724-437~050, 800-427-000 FAX 724-437-4418 CCCS of Western PA 199 Edison Street Vniontown, Pa 15401 724-439-8939 FOREST COUNTY Wanen-Forest CEOC 204 Liberty Street, PO Box 547 Wanen, PA 16365 814-726-2400 FAX 814-723-0510 FRANKLIN COUNTY Adams County Housing Authority 139-143 Carlisle Street Gettysburg, P A 17325 717-334-1518 FAX 717-334-8326 cees of Western P A 2000 Lingh,stown Road Harrisburg, PAl 7 102 717-541-1757 FAX 717-541-4670 Vrban League of Metropolitan Harrisburg 2107 N 6th Street Harrisburg, P A 17 10 1 717-234-5925 FAX 717-234-9459 CAe of the Capital Region 1514 Derry Street Harrisburg, P A 17104 717-232-9757 FAX 717-234-2227 Financial Services Unlimited 31 West 3" Street Waynesbow, P A 17268 717-762-3285 CCCS of Western PA, Inc. 912 South George Street York, PA 17403 717-846-4176 YWCA of Carlisle 301 G Street Carlisle, PA 17013 717-243-3818 FAX 717-243-3948 American Red Cross-Hanover Chapter 529 Carlisle Street Hanover, PA 17331 717-637-3768 FAX 717-637-3294 FULTON COUNTY Bedford-Fulton Housing Services RD 1, Box 384 Everett, PA 15537 814-623-9129 FAX 814-323-7187 CCCS of Western PA, Inc. 912 South George Street York, PA 17403 717-846-4176 Financial Counseling Services of Franklin 31 West 3'" Street Waynesboro, P A 17268 717-762-3285 Weatherization Office 917 Miffiin Street Huntingdon, P A 16652 814-643-2343 GREENE COUNTY Action Housing, Inc. 425 6th Avenue, Suite 950 Pittsburgh, PA 15219 412-391-1956,412-281-2102 FAX 412-391-4512 Community Action Southwest 22 West High Street Waynesburg, PA 15370 724-852-2893 FAX 724-627-7713 Mon-VaIl:% Unemployed Committee 120 East 9 Avenue Homestead, PA 15120 412-462-9962 FAX 412-462-9964 CCCS ofWesternPA, Inc. I North Gate Square 2 Garden Center Drive Greensburg, PA 15601 724-838-1290 HUNTINGDON COUN Bedford-Fulton Housing S 'teS RDl, Box 384 Everett, PA 15537 814-623-9129 FAX 814-623-7187 Weatherization Office 917 Miffiin Street Huntingdon, P A 16652 814-643-2343 eecs of Western P A, Inc. 217 E. Plank Road' Altonna, P A 16602 814-944-8100 FAX 814-944-5747 INDIANA COUNTY eccs OFWestern P A, Inc. I North Gate Square 2 Garden Center Drive Greensburg, PA 15601 724-838-1290 Keystone Economic Devel ent Corp. 1954 MllI)' Grace Lane Johnstown, P A 15901 814-535~556 FAX 814-539-1688 Indiana County CAP 827 Water Street, PO Box 18 Indiana, PA 15701 724-465-2657 FAX 724-465-5118 CCCS of Western PA 219-A College Parle Plaza Johnstown, PA 15904 814-539-6335 JEFFERSON COUNTY John F. Kennedy Center, Inc. 2021 East 20th Street Erie, PA 16510 814-898-0400 FAX 814-898-1243 Indiana County CAP 827 Water Street, Box 187 Indiana, P A 1570 I 724-465-2657 FAX 724-465-5118 CCCS of Western P A, Inc. YMCA Building, 339 North W hington Street Butler, PA 16001 724-282-7812 JUNIATA COUNTY CCCS of Western P A, Inc. 217 E. Plank Road Altoona, P A 16602 814-944-8100 FAX 814-944-5747 Weatherization Office 917 Miffiin Street Huntingdon, P A 16652 814-643-2343 Northwest Counseling Service NORTHUMBERLAND Northwest Counseling Servi . 5001 N. Broad Street CCCS of Northeastern P A 5001 N Broad Street Philadelphia, P A 19141 31 W Market Street, PO Box 1127 Philadelphia, P A 19141 215-324-7500 Wilkes-Barre, P A 18702 215-324-7500 FAX 215-324-8753 570-821-0837,800-922-9537 FAX 215-324-8753 FAX 570-821-1785 Community Action Development Corom CCCS of Delaware Valley 113 East Main Street CCCS of Northeastern P A 1515 Market Street, Suite 132 Norrlstown, PA 19401 1400 Ahington Executive Park, Suite 1 Philadelphia, P A 19107 610-277-6363 Clarks Summit~ P A 18411 215-563-5665 FAX 610-277-2123 570-587-9163,800-922-9537 FAX 215-864-2666 FAX 570-587-9134/9135 Community Housing Counselors Inc. HACE PO Box 244 CCCS of Northeastern P A 167 W Allegheny, 2nd 1100r Kennett Square, P A 19348 201 Basin Street Philadelphia, P A 19140 215-444-3682 Williamsport, P A 17703 215-426-8025 FAX 215-444-8243 570-323-6627 FAX 215-426-9122 FAX 570-323-6626 Media Fellowship House Media Fellowship House 302 S. Jackson Street EOC of Schuylkill County 302 S Jackson Street Media, P A 19Q63 225 North Centre Street Media., PA 19Q63 610-565-0846 Pottsville, P A 17901 610-565-0846 FAX 610-565-8567 570-622-1995 FAX 610-565-8567 FAX 570-622-0429 American Credit CQunseling Institute PCCA 845 Coates Street PERRY COUNTY 100 N 11" Street, Suite 600 Coatesville, P A 19320 CCCS ofWesternPA, Inc. Philadelphia, P A 19103 888-212-6741 2000 Linglestown Road 215-567-7803 Harrisburg, P A 17102 FAX 215-963-9941 Phil.. Council For Conununity Advmnt 717-541-1757 100 North 11" Street Suite 600 FAX 717-541-4670 CCCS of Delaware Valley Philadelphia, P A 19103 One Cherry Hill, Suite 215 215-567-7803 Urban league of Metro Harrisburg Cherry Hill, NJ 08002 FAX 215-963-9941 2107 North 6'" Street 215-563-5665 Harrisburg, P A 17101 American Credit Counseling Institute 717-234-5925 Housing Assoc. of Delaware ley 144 E Dekalb Pike FAX 717-234-9459 1500 Walnut Street, Suite 601 King of Prussia, P A 19406 Philadelphia, P A 19102 610-971-2210 YWCA of Carlisle 215-545-6010 FAX 610-265-4814 30 I G Street FAX 215-790-9132 Carlisle, P A 17013 American Credit Counseling Institute 717-243-3818 Housing Assoc. of Delaware lley 755 York Road, Suite 103 FAX 717-243-3948 658 North Walls Street Wanninster, PA 18974 Philadelphia, P A 19123 215-444-9429 Financial Counseling Services of Franklin 215-978-0224 FAX 215-956-6344 31 West 3'" Street FAX 215-765-7614 Waynesboro, PA 17268 MONTOUR COUNTY 717-762-3285 Community Devel. Corp ofF ford CCCS of Northeastern P A Group Ministry 31 W. Market Street, PO Box 1127 Weatherization Office 4620 Griscom Street Wilkes-Barre, P A 18702 917 Mifflin Street Philadelphia, PA 19124 570- 821-0837, 800-922-9537 Huntingdon, P A 16652 215-744-2990 FAX 570-S21-1785 814-643-2343 FAX 215-744-2012 CCCS of Northeastern P A CAC of the Capital Region American Credit Counseling I titule 1400 Abington Executive Park, Suite 1 1514 Derry Street 845 Coates Street Clarks Summitt, PA 18411 Harrisburg, P A 17104 Coatesville, PA 19320 570-587-9163,800-922-9537 717-232-9757 888-212-6741 FAX 570-587-9134/9135 FAX 717-234-2227 American Credit Counseling I titule NORTHHAMPTONCOUNTY PHILADELPHIA COUNTY 144 E Dekalb Pike CCCS of Lehigh Valley Acorn Housing Corporation King of Prussia, P A 19406 3671 Crescent Court East 846 North Broad Street 610-971-2210 Whitehall, P A 18052 Philadelphia, PA 19130 FAX 610-265-4814 610-821-4011 215-765-1221 800-220-2733 (717) and (814) ONLY FAX 215-765-1427 American Credit Counseling In titule FAX 610-821-8932 755 York Road, suite 103 Wanninster, PA 18974 215-444-9429 FAX 215-956-6344 17 Crafton Street WARREN COUNTY 31 West Market Street Wellsboro, PA 16901 Booker T. Washington Center Wilkes-Barre, PA 18702 570-724-5252 1720 Holland Street 570-821-0837,800-922-953 FAX 570-724-5783 Erie, P A 16503 FAX 570-821-1785 814-453-5744 103 Warren Street, PO Box 709 FAX 814-453-5749 The Trehab ofNE P A TuDkhannock, P A 18657 570-836-6840 Greater Erie CAC 185 Elmira Street, PO Box 2 8 FAX 570-836-6332 18 West 9th Street Troy, PA 16947 Erie, PA 16501 570-297-2101 German Street, PO Box 389 814-459-4581 FAX 570-297-2799 Dushore, PA 18614 FAX 814-456-0161 570-928-9668 17 Crafton Street FAX 570-928-8144 Warren-Forrest Counties EOC Wellsboro, P A 1690 I 1209 Pennsylvania Avenue, West 570-724-5252 931 Main Street PO Box 547 FAX 570-724-5783 Honesdale, P A 18431 Warren, PA 16365 570-253-8941 814-726-2400 103 Warren Street, PO Box 9 FAX 570-253-4817 FAX 814-723-0510 Tunkhannock, PA 18657 570-836-6840 7 Lake Avenue, Box 339 WASHINGTON COUNTY FAX 570-836-6332 Montrose, PA 18801 Action Housing. Inc. 570-278-3338, 800-982-4045 425 6th Avenue, Suite 950 German Street, PO Box 389 FAX 570-278-1889 Pittsburgh, P A 15219 Dushore, PA 18614 412-391-1956,412-281-2102 570-928-9668 UNION COUNTY FAX 412-391-4512 FAX 570-928-8144 Lycoming-Clinton County STEP 2138 Lincoln Street, PO Box 1328 CCCS of West em PA. Inc. 931 Main Street Williamsport, PAl 7703 I North Gate Square Honesdale, PA 18431 570-326-0587 2 Garden Center Drive 570-253-8941 FAX 570-322-2197 Greensburg, P A 1560 I FAX 570-253-4817 724-838-1290 CCCS of West em Pennsylvania, Inc. WESTMORELAND CO 217 East Plank Road Housing Opportunities, Inc. Action Housing, Inc. Altonna, P A 16602 133 Seventh Street 425 t1' Avenue, Suite 950 814-944-8100 McKeesport, PA 15132 Pittsburgh, PA 15219 FAX 814-944-5747 412-664-1590 412-391-1956,412-281-210 FAX 412-664-0873 CCCS of Northeastern Pennsylvania Community Action Southw t Credit Counselors ofP A 22 West High Street 31 W. Market Street, PO Box 1127 40 I W nod Street, Suite 906 Waynesburg, PA 15370 Wilkes-Barre, P A 18702 Pittsburgh, P A 15222 724-852-2893 570-821-0837,800-922-9537 412-338-9954,800-737-2933 FAX 570-821-1785 FAX 412-338-9963 CCCS of West em PA, Inc. I North Gate Square 1400 Abington Executive Park, Suite 1 Community Action Southwest 2 Garden Center Drive Clarks Summitt, PA 18411 22 West High Street Greensburg, P A 15601 570-587-9163,800-922-9537 Waynesburg, P A 15370 724-838-1290 FAX 570-587-9134/9135 724-852-2893 Housing Opportunities, Inc. 20 I Basin Street 53 N. College Street 133 Seventh Street Williamsport, P A 17703 Washington, PA 15301 McKeesport, PA 15132 570-323-6627 724-222-8292 412-664-1590 FAX 570-323-6626 FAX 412-664-0873 VENANGO COUNTY Mon-Vall~ Unemployed Committee Keystone Economic Devel. orporation 120 East 9 Avenue Greater Erie Community Action Committee Homestead, PA 15120 1954 Mary Grace Lane 18 West 9th Street 412-462-9962 Johnstown, PA 15901 Erie, PA 16501 FAX 412-462-9964 814-535-6556 814-459-4581 FAX 814-539-1688 FAX 814-456-0161 WAYNE COUNTY CCCS of Northeast em P A Tableland Services Inc. CCCS of West em Pennsylvania, Inc. 535 East Main Street 339 N. Washington Street, YMCA Bldg. 1400 Abington Executive Park, Suite I Somerset, PA 15501 Butler, PA 16001 Clarks Summitt, P A 18411 814-445-9628,800-452-014 412-282-7812 570-587-9163,800-922-9537 FAX 814-443-3690 FAX 570-587-9134/9135 John F. Kennedy Center, Inc. 199 Edison Street 2021 East 20th Street 9 South 7'" Street Uniontown, P A 15401 Erie, PA 16510 Stroudsburg, P A 18360 724-439-8939 814-898-0400, FAX 814-898-1243 570-420-8980, FAX 570-420-8981 i ~ -+ 'l, v o ~ v I ^ (-;1 ('\ r,_\ ! '0 ~\ f\., ~ ~B \j "1; \ ""'i\. ~ ~',~ ~1 ~~ ~ o c < ~\i,~;_' IT:( ~~e: <'iJ ';" -', C~ ~~~3; ';">-S:;. ~ ~ , W W --c:, ~ ~ ~ 0 =' '0' GJ1 .-1 ~ R~~ :A) .T) en f',) ;p? 0-' ~:?I LJ :J.: ~,~ 5: ~~S $:~ 9 j',~ r ?;{ .0:- SHERIFF'S RETURN - REGULAR CASE NO: 2005-02154 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND SOVEREIGN BANK VS FREEDMAN CHRISTOPHER D RICHARD SMITH Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon FREEDMAN CHRISTOPHER D the DEFENDANT , at 1923:00 HOURS, on the 2nd day of May , 2005 at 16 DREXEL PALCE NEW CUMBERLAND, PA 17070 by handing to CHRISTOPHER FREEDMAN a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 12.58 .00 10.00 .00 40.58 So Answers: ".-"" /j <fd~,'Cf "<::~<</: .r >>'h....;.".,c< 1":"'{::~'~ R. Thomas Kline 05/03/2005 GOLDBECK MCCAFF Sworn and Subscribed to before By: ,of;- ~~ day of me this '111' ~. ~~~ A.D. '--)"1'rv.4.€€'''''~ . Prothonotary / 'GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. AttorneyI.D. #16132 Suite 5000 - Mellon Independence Center 70 I Market Street Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff SOVEREIGN BANK SIBIM HARRIS SAVINGS BANK 601 Penn Street Reading, P A 19601 IN THE COURT OF COMMON PLEAS Plaintiff of Cumberland County VS. CHRISTOPHER D. FREEDMAN (Mortgagor(s) and Record owner(s)) 16 Drexel Place New Cumberland, P A 17070 CIVIL ACTION LAW ACTION OF MORTGAGE FORECLOSURE Defendant( s) No. 05-2154- CIVIL ORDER FOR JUDGMENT Please enter Judgment in favor of SOVEREIGN BANK S/BIM HARRIS SAVINGS BANK, and against CHRISTOPHER D. FREEDMAN for failure to file an Answer in the above action within (20) days (or sixty (60) days if defendant is the United States of America) from the date of service ofthe Complaint, in the sum of $73,629.81. I hereby certify that the above names are correct and that the preci e residence address of the judgment creditor is SOVEREIGN BANK SIBIM HARRIS SAVINGS BANK 601 Penn Street Reading, PA 19601 and that the name(s) and last known address(es) of the Defendant(s) islare CHRISTOPHER D. FREEDMAN, 16 Drexel Place New Cumberland, P A 17070; GOLDBECK BY: Joseph A. Go Attorney for Plainti f I RTY & McKEEVER Jr. ') ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly assess the damages in this case to be as follows: Principal Balance $68,573.44 Interest from 12101/2004 through 06/07/2005 $2,606.77 REASONABLE Attorney's Fee $1,250.00 Late Charges $87.59 Costs of Suit and Title Search $900.00 Escrow DUE MI PREMIUM DUE FEES $102.53 $73.23 $36.25 $73,629.81 GOLOBE BY: Joseph A. I Attorney for PI . ti AND NOW, tbis p-tL-.. day of J l..l..UC.- , 2005 damages are assessed as above. -A~4)~ .~ Pro Prothy ~7 VERIFICATION OF NON-MILITARY SERVICE The undersigned, as the representative for the Plaintiff corporation within named do hereby verify that I am authorized to make this verification on behalf of the Plaintiff corporation and that the facts set forth in the foregoing verification of Non-Mili tary Service are true and correct to the best of my knowledge, information and belief. I understand that false statements therein are made subject to penalties of 18 Pa. C.S. 4904 relating to unsworn falsification to authorities_ 1. That the above named Defendant, CHRISTOPHER D. FREEDMAN, is about unknown years of age, that Defendant's last known residence is 16 Drexel Place, New Cumberland, PA 17070, and is engaged in the unknown business located at unknown address. 2. That Defendant is not in the Military or Naval Service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Action of Congress of 1940 and its Amendments. Date: In the Court of Common Pleas of Cumberland County SOVEREIGN BANK S/BIM HARRIS SAVINGS BANK 60 I Penn Street Reading, P A 1960 I Plaintiff vs. CHRISTOPHER D. FREEDMAN (Mortgagor(s) and Record Owner(s)) 16 Drexel Place New Cumberland, P A 17070 No. 05-2154- CIVIL Defendaut( s) PRAECIPE FOR JUDGMENT THIS LAW 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, Enter the Judgment in favor of Plaintiff and against CHRISTOPHER D. FREEDMAN by default for waut of an Answer. Assess damages as follows: $73,629.81 Debt Interest - 12/01/2004 to 06/07/2005 Total (Assessment of Damages attached) I CERTIFY THAT FOREGOING ASSESSMENT OF DAMAGES IS FOR SPECIFIED AMOUNTS ALLEGED TO BE DUE IN THE COMPLAINT AND IS CALCULABLE AS A SUM CERTAIN FROM THE COMPLAINT. I certifY that written notice of the intention to file this praecipe was mailed or delivered to the party against whom jndgment is to be entered aud to his attorney of record, if auy, after the default occurred and at least ten days prior to the date of the filing of this praecipe. A copy of the notice is attached. RC.P. 237.1 AND NOW ~ )f, l " l2.. b :J ~ \" , udgment is entered in favor of SOVEREIGN BANK S18/M HARRIS SA VINaS BANK and against CHRISTOPHER D. FREEDMAN by de of au Answer and damages assessed in the sum of$73,629.81 as per the an certification. A/)~) Prothonotary ~ SB-0079 . THIS LAW 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. DATE OF THIS NOTICE: May 23, 2005 TO: CHRISTOPHER D. FREEDMAN 16 Drexel Place New Cumberland, P A 17070 SOVEREIGN BANK SlBfM HARRIS SAVINGS BANK 601 Penn Street Reading, P A 19601 In the Court of Common Pleas of Cumberland County Pfaintiff CIVIL ACTION - LAW vs. CHRISTOPHER D, FREEDMAN (Mortgagor(s) and Record Owner(s)) 16 Drexel Place New Cumberland, PA 17070 Action of Mortgage Foreclosure Term No. 05-2154- CIVIL Defendant(s) TO: CHRISTOPHER D. FREEDMAN ) 6 Drexel Place New Cumberland, P A 17070 IMPORT ANT NOTTCR YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FOR1H AGAINST YOU. UNLESS YOU ACT WITIUN TEN (10) DAYS FROM THE DATE OF 1HIS NOTICE, A JUDGMENT MAY BE ENfERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORT ANT RIGHTS, YOU SHOULD TAKE TIllS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FOR1H BELOW. TIllS OFFICE CAN PROVIDE YOU WI1H INFORMATION ABOUT HlRlNG A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, TIllS OFFICE MAY BE ABLE TO PROVIDE YOU WI1H INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO EUGlBLE PERSONS AT A REDUCED FEE OR NO FEE. LEGAL SERVICES INC 8 Irvine Row Cadisle. PA 17013 717-243-9400 CUMBERLAND COUNTY BAR ASSOCIATION 2 Uberty Avenue Carlisle, PA 17013 GOLDBECK McCAFFERTY 6< MeKEEVER BY: Ioseph A. Goldbeck, 11'., Esq. Attorney for Plaintiff Suite 5000 - Mellon Independence Center. 701 Markel Street Philadelphia, PA 19106 215-627-1322 c XJ P ~ \t- 7l ...0 ~ () ~ - ?J ~ ~ '" (") ~ .(::. ~ ~;: = "" ~:!! ~ F 4.:~ ~':t ,- fT~ . c:: ~ -/ . ..,: :g'e3 ~ ..0 t ~--':J~ I ~ U-~ ... c:J' r~ L) 0'( :.~C, - 25'"'" ..../-- :r- oo" ~ -L.. ~~ 1~~ =" _";;"'0 C?- am ._4 { :~ w ~ .<C c:> PRAECIPE FOR WRIT OF EXECUTION - (MORTGAGE FORECLOSURE) P.R.C.P 3180-3183 . Joseph A. Goldbeck, Jr. AttorneyLD.#16132 Suite 5000 - Mellon Independence Center 70 I Market Street Philadelphia, P A 19106 215-627-1322 Attorney for Plaintiff SOVEREIGN BANK S/BIM HARRIS SAVINGS BANK 601 Penn Street Reading, P A 19601 IN THE COURT OF COMMON PLEAS Plaintiff vs. of Cumberland County CHRISTOPHER D. FREEDMAN Mortgagor(s) and Record Owner(s) 16 Drexel Place New Cumberland, P A 17070 CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE Defendant( s) No. 05-2154- CIVIL PRAECIPE FOR WRIT OF EXECUTION TO THE PROTHONOTARY: Issue Writ of Execution in the above matter: Amount Due $73,629.81 Interest from 12/01/2004 to 06/07/2005 at 7.3750% (Costs to be added) GOLDBECK Me BY: Joseph A. Gal Attorney for Plainti ~ \Ol ~ ~ d'$. ~'$. uo e"" U ~~S "'""1 :~ :z:o U ~ .... ~ ~ a:l <FJ " ~ <t <FJ ~ 0:: ~ ~ E <FJ ~ a:l ?3 .... ~ b <FJ >- a. <? 1"- G I).J., Qc5 fj:;J~ Qf,) oU: ':':10- rr:~ \5 ;::; z.:!:.- 0 '~~ r- ~ ~ g Po - \J.l~<o "<t l-<~Q.. 0_. <>0..<0 . ~" \a A"d';o<.~ ~~e~ ~--;;;\O~ ~~~() "'" ~ " ~on *" ;r.S U'6 Cl (") 9 '- (..- 7 -~~ .,>::~ C'J :s:: .a: CO I -.- '5 --, or.> <= = "" ,)~t-' _J~.~ '<'\; ~".:" :::J () ~ .... .... G ~~ .... 'is I<-<~ o .. '"' ~~ ~~ I<-<'$. \Ol e:: ~ 0.. t-ft: =tr:1 Cl. ~ ~ -d~ ('- l a~ ,q a ~::r '01- - - - - - , ';; I a .." l.Jl V> \ o \) c ~ ~~ - - - 't; '\\ <""'tl - ~~ ,,0-:::\ ~% :go.. '0 '6 ". ,.., <te -ao ~~ o ~ ~-j ~ 'tIj- - 11 t ~ tu .." '.0 ~g '" ~~.......- ~~~~N 06fr~<~ e-~ ... p... , '"' Po ~ ~~ ~~la$'-9 ~o'o:::'_.9'1() U~Ao"'" U~O~N ~~(-;-;: ~ \ ~ ~8 ~'" ""if> "0 " c.:l" .fh Q C -- 'tt- .......-:, (j ~ J1 -;-. '2 '3 \J -t ';).... \J'-~ a 1:3'" c:: \t- ;;;r- r\::: 1~ - ALL THAT CERTAIN LOT OR PIECE OF LAND SITUATE IN THE TOWNSHIP OF LOWER ALLEN, COUNTY OF CUMBERLAND AND COMMONWEALTH OF PENNSYLVANIA, BOUNDED AND DESCRIBED IN ACCORDANCE WITH PLAN SHOWING FOXLES RESIDENTIAL COMPANY VILLAGE ONE, PHASE ONE, SECTION A, MADE BY GERRIT J. BETZ, ASSOCIATES, INC. DATE l/27/78 AND LAST REVISED 12/2/78 AS RECORDED IN THE OFFICE OF THE RECORDER OF DEEDS OF CUMBERLAND COUNTY, PENNSYLVANIA ON 2/14/79 IN PLAN BOOK 26, PAGE 50 WHICH PLAN IS HEREIN INCORPORATED BY REFERENCE AS IF HERETO ATTACHED, UNIT NUMBER 16 IN BUILDlNG"B" CONSISTING OF 5002 SQUARE FEET AND DESCRIBED ON SAID AS BUILT PLAN BY METES AND BOUNDS WHICH DESCRIPTION IS LIKEWISE HEREIN INCORPORATED BY REFERENCE. WRIT OF EXECUTION andlor ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 05-2154 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due SOVEREIGN BANK S/BIM HARRIS SAVINGS BANK, Plaintiff (s) From CHRISTOPHER D. FREEDMAN (I) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) Ifproperty of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify himlher that helshe has been added as a garnishee and is enjoined as above stated. Amount Due $73,629.81 Interest FROM 12/1104 TO 6/7/05 AT 7.3750% Ally's Comm % Atty Paid $122.58 Plaintiff Paid Date: JUNE 8, 2005 L.L. $.50 Due Prothy $1.00 Other Costs CURTIS R. LONG (Seal) Proth2 ,--By: ~ ~p .~~/J'" 'l. ./ Deputy REQUESTING PARTY: Name JOSEPH A. GOLDBECK, JR., ESQUIRE Address: SUITE 5000 - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106 Attorney for: PLAINTIFF Telephone: 215-627-1322 Supreme Court ID No. 16132 ..... boIdbeck McCafferty & McKeever BY: Joseph A. Goldbeck, Jr. Attorney J.D. #16132 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff SOVEREIGN BANK SIBIM HARRIS SAVINGS BANK 60 I Penn Street Reading, P A 1960 I IN THE COURT OF COMMON PLEAS of Cumberland County Plaintiff vs. CIVIL ACTION - LAW CHRISTOPHER D. FREEDMAN (Mortgagor(s) and Record Owner(s)) 16 Drexel Place New Cumberland, P A 17070 ACTION OF MORTGAGE FORECLOSURE Defendant( s) No. 05-2154- CIVIL AFFIDAVIT PURSUANT TO RULE 3129 SOVEREIGN BANK S/BIM HARRIS SAVINGS BANK, Plaintiff in the above action, by its attorney, Joseph A. Goldbeck, Jr., Esquire, sets forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located at: 16 Drexel Place New Cumberland, P A 17070 I.Name and address of Owoer( s) or Reputed Owoer( s): CHRISTOPHER D. FREEDMAN 16 Drexel Place New Cumberland, P A 17070 2. Name and address of Defendant(s) in the judgment: CHRISTOPHER D. FREEDMAN ] 6 Drexel Place New Cumberland, P A 17070 3. Name and last knowo address of every judgment creditor whose judgment is a record lien on the property to be sold: DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 Carlisle, P A 170 J3 P A DEPARTMENT OF PUBLIC WELFARE - Bureau of Child Support Enforcement Health and Welfare Bldg. - Room 432 P.O. Box 2675 Harrisburg, P A 17105-2675 LOWER ALLEN TOWNSHIP AUTHORITY -- ') 120 LIMEKILN ROAD NEW CUMBERLAND, PA 17070 4. Name and address of the last recorded holder of every mortgage of record, 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: 6. Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the property which may be affected by the sale. 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale. TENANTS/OCCUP ANTS 16 Drexel Place New Cumberland, P A 17070 (attach separate sheet if more space is needed) I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. GOLDBECK McC & cKEEVER BY: Joseph A. Gold eck J ., Esq. . Attorney for Plaintif DATED: June 7, 2005 ~ ~ ,-- c:;. --;:.. -, d~ ";>- ., ((\ :;,/. ~~\-, ',-;::' ~-j -- \ CI> q. ~e --o~ :0 (~~ ~,~6 /-~f't" o ,-\ .". ~ ~ -~ C5 .' ,,.) o 05-2154- CIVIL ~ GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. AttorneyI.D.#16132 Suite 5000- Mellon Independence Center 701 Market Street Philadelphia, P A 19106 215-627-1322 Attorney for Plaintiff SOVEREIGN BANK SIBIM HARRIS SAVINGS BANK 601 Penn Street Reading, PA 19601 IN THE COURT OF COMMON PLEAS of Cumberland County Plaintiff CIVIL ACTION - LAW vs. CHRISTOPHER D. FREEDMAN Mortgagor(s) and Record Owner(s) ACTION OF MORTGAGE FORECLOSURE 16 Drexel Place New Cumberland, P A 17070 Term No. 05-2154- CIVIL Defendant(s THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT, ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: FREEDMAN, CHRISTOPHER D. CHRISTOPHER D. FREEDMAN 16 Drexel Place New Cumberland, P A 17070 Your house at 16 Drexel Place, New Cumberland, P A 17070 is scheduled to be sold at Sheriffs Sale on Wednesday, September 07, 2005, at 10:00 AM, in Commissioners Hearing Rm 2nd FL Courthouse to enforce the court judgment of$73,629.8 1 obtained by SOVEREIGN BANK S/B/M HARRIS SAVINGS BANK against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: I. The sale will be cancelled if you pay to SOVEREIGN BANK S/BIM HARRIS SAVINGS BANK, the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay call: 215-627 -1322 2. You may be able to stop the sale by filing a petition asking the Court to strike or open judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 05-2154- CIVIL . \ 3. You may also be able to stop the sale through other legal proceedings. Yau may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES NOT TAKE PLACE. I. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid price by calling the Sheriff 0017-240-6390. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only ifthe buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call the Sheriffof7l7-240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owoer of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that tirue, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within thirty (30) days from the date of the Sheriffs Sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the schedule of distribution is filed. 7. Yon may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. 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 LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LEGAL SERVICES INC 8 Irvine Row Carlisle, P A 17013 CUMBERLAND COUNTY BAR ASSOCIA nON 2 Liberty Avenue Carlisle, P A 17013 0 '" ~ = c::: ~"7) ~~~ "" r;l <- s:! c.:: n,:O z -o~ I :n Z: co ~~ (~. ;po. :c::n :x (,2- \".J C5 .,c?rl c:: S -'? ~.' ~ ::<l w c::> ...:; Sovereign Bank slb/m to Harris Savings Bank VS Christopher D. Freedman In The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2005-2154 Civil Term R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ is returned STAYED per instructions from Attorney Goldbeck. Sheriffs Costs: Docketing Surcharge Poundage Levy Prothonotary 30.00 20.00 163.22 15.00 1.50 $229.72 . Sworn and subscribed to before me So AnS~ ~~ ~ q A' lA' This 27 '-' day of ~, ~ "?{. ~ / 1 . y. Thomas Kline, Sheriff 2005, A.D. ( I ur. (] 'Ih"jt.u/~ BY 0~ S~~~ Prothonotary Real Estate Sergeant 1 (.\,0 cJ(,. <{o 3 'f '--' {2u.,. /t!h9/ Goldbeck McCafferty & McKeever BY: Joseph A. Goldbeck, Jr. Attorney I.D. #16132 Suite 5000 -- Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff SOVEREIGN BANK SIBIM HARRIS SAVINGS BANK 60 I Penn Street Reading, PA 19601 IN THE COURT OF COMMON PLEAS of Cumberland County Plaintiff vs. CIVIL ACTION - LAW CHRISTOPHER D. FREEDMAN (Mortgagor(s) and Record Owner(s)) 16 Drexel Place New Cumberland, PAl 7070 ACTION OF MORTGAGE FORECLOSURE Defendant(s) No. 05-2154- CIVIL AFFIDAVIT PURSUANT TO RULE 3129 SOVEREIGN BANK SiBiM HARRIS SAVINGS BANK, Plaintiff in the above action, by its attorney, Joseph A. Goldbeck, Jr., Esquire, sets forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located at: 16 Drexel Place New Cumberland, P A 17070 J.Name and address ofOwoer(s) or Reputed Owner(s): CHRISTOPHER D. FREEDMAN 16 Drexel Place New Cumberland, PAl 7070 2. Name and address of Defeudant(s) in the judgment: CHRISTOPHER D. FREEDMAN 16 Drexel Place New Cumberland, PAl 7070 3. Name and last knowo address of every judgment creditor whose judgment is a record lien on the property to be sold: DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 Carlisle, PA 17013 P A DEPARTMENT OF PUBLIC WELFARE - Bureau of Child Support Enforcement Health and Welfare Bldg. - Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 LOWER ALLEN TOWNSHIP AUTHORITY 120 LIMEKILN ROAD NEW CUMBERLAND, PA 17070 4. Name and address of the last recorded holder of every mortgage of record: 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: 6. Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the property which may be affected by the sale. 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale. TENANTS/OCCUP ANTS \6 Drexel Place New Cumberland, PA 17070 (attach separate sheet if more space is needed) I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief I understand that false statements herein are made subject to the penalties of \8 Pa. C.S. Section 4904 relating to unsworn falsification to authorities, DATED: June 7, 2005 05-2154- CIVIL GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attorney I.D.#16132 Suite 5000- Mellon Independence Center 70 I Market Street Philadelphia, P A 19106 215-627-1322 Attorney for Plaintiff SOVEREIGN BANK SIBIM HARRIS SAVINGS BANK 601 Penn Street Reading, PA 19601 IN THE COURT OF COMMON PLEAS of Cwnberland Collnty Plaintiff CIVIL ACTION - LAW vs. CHRISTOPHER D. FREEDMAN Mortgagor(s) and Record Owner(s) ACTION OF MORTGAGE FORECLOSURE 16 Drexel Place New Cumberland, P A 17070 Tenn No. 05-2154- CIVIL Defendant(s THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT, ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. NOTICEOF SHERIFF'S SALE OF REAL PROPERTY TO: FREEDMAN. CHRISTOPHER D. CHRISTOPHER D. FREEDMAN 16 Drexel Place New Cumberland, P A 17070 Your house at 16 Drexel Place, New Cumberland, P A 17070 is scheduled to be sold at Sheriffs Sale on Wednesday, September 07, 2005, at 10:00 AM, in Commissioners Hearing Rm 2nd FL Courthouse to enforce the court judgment of $73,629.81 obtained by SOVEREIGN BANK S/B/M HARRIS SAVINGS BANK against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: !. The sale will be cancelled if you pay to SOVEREIGN BANK S/BIM HARRIS SAVINGS BANK, the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay call: 215-627-1322 2. You may be able to stop the sale by filing a petition asking the Court to strike or open judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 05-2154- CIVIL 3. You may also be able to stop the sale through other legal proceedings. Yau may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES NOT TAKE PLACE. 1. If the Sheriff's Sale is uot stopped, your property will be sold to the highest bidder. You may find out the price bid price by calling the Sheriff of717-240-6390. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call the Sheriff of717-240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owuer of the property as if the sale never happened. 5. You bave a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may briug legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriffwithiu thirty (30) days from the date of the Sheriff's Sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the schedule of distribution is filed. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TARE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LEGAL SERVICES INC 8 Irvine Row Carlisle, P A 17013 CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, P A 17013 ALL THAT CERTAIN LOT OR PIECE OF LAND SITUATE IN THE TOWNSHlP OF LOWER ALLEN, COUNTY OF CUMBERLAND AND COMMONWEALTH OF PENNSYLVANIA, BOUNDED AND DESCRIBED IN ACCORDANCE WITH PLAN SHOWING FOXLES RESIDENTIAL COMPANY VILLAGE ONE, PHASE ONE, SECTION A, MADE BY GERRIT J. BETZ, ASSOCIATES, INC. DATE li27/78 AND LAST REVISED 12/2/78 AS RECORDED IN THE OFFICE OF THE RECORDER OF DEEDS OF CUMBERLAND COUNTY, PENNSYLVANIA ON 2/14/79 IN PLAN BOOK 26, I' AGE 50 WHlCH PLAN IS HEREfN INCORPORATED BY REFERENCE AS IF HERETO ATTACHED, UNIT NUMBER] 6 IN BUILDING "B" CONSISTING OF 5002 SQUARE FEET AND DESCRIBED ON SAID AS BUILT PLAN BY METES AND BOUNDS WHlCH DESCRIPTION IS LIKEWISE HEREIN INCORPORATED BY REFERENCE. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 05-2154 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due SOVEREIGN BANK S/BIM HARRIS SAVINGS BANK, Plaintiff (s) From CHRISTOPHER D. FREEDMAN (I) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the gamishee(s) that: (aJ an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property ofthe defendant (s) or otherwise disposing thereof; (3) Ifproperty of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify himlher that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $73,629.81 Interest FROM 12/1/04 TO 6/7/05 AT 7.3750% L.L. $.50 Ally's Comm % Ally Paid $122.58 Plaintiff Paid Date: JUNE 8, 2005 Due Prothy $1.00 Other Costs (Seal) CURTIS R. LONG Prothonot~ 0?? ~4/Jfh.J ~9. /'Ct;R..;7",d~ Deputy REQUESTING PARTY: Name JOSEPH A. GOLDBECK, JR., ESQUIRE Address: SUITE 5000 - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106 Attorney for: PLAINTIFF Telephone: 215-627-1322 Supreme Court ID No. 16132 Real Estate Sale #63 On June 13, 2005 the Sherifflevied upon the defendant's interest in the real property situated in Lower Allen Township, Cumberland County, PA Known and numbered as 16 Drexel Place, New Cumberland, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: June 13,2005 B~6ch{ ~~-IJ. Real Estate Deputy 8f::\ d 8- Nl\f ~OOl . , -... 'ljd ',lI,~nU;j lj,". ;;j~lLd;H,J 3l\Cl3\1S ]\.\1 :\03::JU.:lO ~ ~ ~ .. GOLDBeCK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attorney I.D. #16132 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 Attorney for Plaintiff SOVEREIGN BANK S1B/M HARRIS SAVINGS BANK 601 Penn Street Reading, PA 19601 IN THE COURT OF COMMON PLEAS Plaintiff of Cumberland County vs. CHRISTOPHER D. FREEDMAN (Mortgagor(s) and Record owner(s)) 16 Drexel Place New Cumberland, PA 17070 No. 05-2154- CIVIL PRAECIPE TO VACATE JUDGMEN'l' TO THE PROTHONOTARY: Kindly vacate the judgment upon payment of your costs only. JOSEPH A. GOLDBECK, JR., ESQUIRE . . (:) -ic;). ~ i ~ C> ,..., ~ () <2 $ "" %~ ~ F! ~. ~ - .....,.:'(\. ~ rT1 r~ c;") "'":?'--. 1Ss: ..:t ...c ;1-,,< - Z' cJ\ go ~~t: " '-rl ..c:: -() E ~""'''l ~. i.?B ~ CI) ~i:2 Zen D <2 S:~ - J- "J'"c ~ ~ '" .-'- 0' -, GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attorney 1.0. #16132 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 Attorney for Plaintiff SOVEREIGN BANK S/B/M HARRIS SAVINGS BANK 601 Penn Street Reading, PA 19601 IN THE COURT OF COMMON PLEAS Plaintiff of Cumberland County vs. CHRISTOPHER D. FREEDMAN (Mortgagor(s) and Record owner(s)) 16 Drexel Place New Cumberland, PA 17070 No. 05-2154- CIVIL PRAECIPE TO DISCONTINUE AND END TO THE PROTHONOTARY: Kindly mark the above case Discontinued and Ended upon payment of your costs only. fJ't~- JOSEPH A. GOLDBECK, JR., ESQUIRE ,.- g 'k ..."J} q)~1"A ~--::;. %\ fA".. t2C d?;C ~L) pC:. '3. ~ ~ ~ (;") -- <f\ ~ '::$. c? q. ~:Q 15~ .AS::!" r:l1 qa "6"" "" r-> ~ 0"' -