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Home My WebLink About05-2447 . ~ SHAPIRO & KREISMAN, LLC BY: KEVIN DISKIN, ESQ" JOSEPH REJENT, ESQ., AND ILANA ZION, ESQ. ATTORNEY ID. NOS. 86727,59621 & 87137 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-23495 Deutsche Bank National Trust Company, as COURT OF COMMON PLEAS Trustee for the registered holders of New CUMBERLAND COUNTY Century Home Equity Loan Trust, Series / - . I J~ 2003-2, Asset Backed Pass-Through NO: (J 5- d 'I 'II ~ Certificates, Series 2003 -2 1665 Palm Beach Lakes, Suite 105 West Palm Beach, FL 33401 PLAINTIFF VS. Joseph R. Ross III (real owner & mortgagor) 431 Hillcrest Drive Carlisle, PA 17013 Katrina Ross (mortgagor) 26 Brubaker Road Halifax, P A 17032 DEFENDANTS COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALL Y OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THATIF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAYBE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland County Bar Association 32 South Bedford Street Carlisle, P A 17013 . PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. , NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUlERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUlENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENT AR UNA AP ARlEN CIA ESCRIT A 0 EN PERSONA 0 POR ABOGADO Y ARCHIV AR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS 0 SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA A VISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO A VISO 0 NOTIFICACION Y POR CUALQUlER QUEJA 0 ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DlNERO 0 SUS PROPIEDADES 0 OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO 0 SI NO TIENE EL DlNERO SUFICIENTE DE PAGAR TAL SERVICIO, VA Y A EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUY A DlRECCION SE ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 SHAPIRO & KREISMAN, LLC BY: KEVIN DISKIN, ESQ" JOSEPH REJENT, ESQ., AND ILANA ZION, ESQ. ATTORNEY LD, NOS. 86727, 59621 & 87137 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-23495 Deutsche Bank National Trust Company, as Trustee for the registered holders of New Century Home Equity Loan Trust, Series 2003-2, Asset Backed Pass-Through Certificates, Series 2003-2 1665 Palm Beach Lakes, Suite 105 West Palm Beach, FL 33401 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: VS. Joseph R. Ross III (real owner & mortgagor) 431 Hillcrest Drive Carlisle, PA 17013 Katrina Ross (mortgagor) 26 Brubaker Road Halifax, PA 17032 DEFENDANTS COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, Deutsche Bank National Trust Company, as Trustee for the registered holders of New Century Home Equity Loan Trust, Series 2003-2, Asset Backed Pass-Through Certificates, Series 2003-2, the address of which is, 1665 Palm Beach Lakes, Suite 105, West Palm Beach, FL 3340 I, brings this action of mortgage foreclosure upon the following cause of action: (b) (c) Parties to Mortgage: Mortgagee: New Century Mortgage Corporation Mortgagor(s): Joseph R, Ross III and Katrina Ross Date of Mortgage: October 17, 2002 Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1780 Page 956 Date: October 31, 2002 I. The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C,P, No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. (d) Assignments: Assignor: New Century Mortgage Corporation Assignee: Deutsche Bank National Trust Company as Trustee for the registered holders of New Century Home Equity Loan Trust Series 2003-2 Asset Backed Pass-through Certificates, Series 2003-2 As Recorded 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by virtue ofthe above-described Assignment(s). 3. The real property which is subject to the Mortgage is generally known as 431 Hillcrest Drive, Carlisle, Pa 17013 and is more specifically described as attached as part of Exhibit "A": 4. The name and mailing address of each Defendant is: Joseph R. Ross III (real owner & mortgagor), 431 Hillcrest Drive, Carlisle, PA 17013 Katrina Ross (mortgagor), 431 Hillcrest Drive, Carlisle, P A 17013 5. The interest of each individual Defendant is as Mortgagor, Real Owner, or both, 6. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of August 1, 2004 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 7. The following amounts are due as of April 30, 2005: Princioal of Mortgage debt due and unoaid $122,321.26 Interest currently due and owing at 7.99% per annum Calculated from July 1,2004 at $26,78 each day $8,141.12 Late Charge of$45.49 per month assessed on the 16th of each month from August 16,2004 to April 16, 2005, (9 Months) $409.41 Escrow Advances made by Plaintiff $3,119.39 Susnense/Unaoolied Balance ($401.27) Accrued Late ChaH!es $45.49 Prooertv Insoection $10.50 Title SearchlReoort Fees $250.00 Attorneys' Fees and Costs $1,500.00 TOTAL $\35,395.90 8. Interest accrues at a per diem rate of26.78 each day after April 30, 2005 that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Note and Mortgage. 9, The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed, 10, Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983,35 P.S, S 1680.402c, et ~., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Pursuant to the act of December 21, 1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information required by the act of March 14, 1978 (P.L. 11, No.6), 41 P.S, Section 403 et seq., and separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached hereto as Exhibit "B", WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in paragraphs 7 and 8, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO & KREISMAN, LLC I1ana Zion, Esquire Attorney for Plaintif Date: S / 10105 BY: S & K File No. 05-23495 J,,'IN.~ 1~,1I Hoe ,.QUlUtl f-~ !.\'\:0y, L rGll;:RTP-,ZlE{lLl;fl i:t"OOI!OElt (l~ nEEll~ '.~llERt..MIDCOI1IlH.r . 'llBCT:n flI'J 9 3S 8erv1C8'Llnk .woo Industrial BOU!$V3rd Allqutpptl, PA 15001 1 .........., <'6E'IE93 P>A:elN...""" 4ClUIlT"IU q""""T... EWCEIfJIIRYMOIT1IA"ClpRf'OAUIDM e-.rblJrW tJ.J~ uu ltOII U~""II. wIn lllDD A~fIlE. C:A .2&12 \I....A...."'..""""'...._...."""! 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""..._lOl6t1r....... t.ho.m..;",I\>~.", q-'5."c- J# p;0-9-- ~ fZhl, <C\"'ll"l'~", l......~~=. r~_..1IlI' . fiL~::,,, ~ ;vf~~W(if' !":' 097! 1<0'11-111I1 U,tt HI' '_1111I11 f~ Exhlblt"A" l 'J-gal DMGription U1ll;ll""!tl",pllrCelQ(l.n"';tur~jnthoT--"9O(SCI<I:ll~~ ~.P'e~.l>IIln<;"-"c'"nuLolNo.'or""""$""'t'laI'lan"'l.<II>t_ .. Forge Rc..r,.,.,..,.... "","nlO"", lbaO!b...."""""""",Oeods II'IpfOl' ~I'II:lCoo.nly,""""";,.,..., ,0:>Pl..-.Btlc>kl!:2."'1Q. Tlll<ILl: 40_24-075&-0:>.2 lc.:;rt\ry\\,;"\"b"n.'~'mj,,d rnCumbcrlat\d('m~,,\y\'1\ 0' A'~~ )<;~ ':;;?" _~; t!' - '-::c,,:- Rc,,(lrd~i'Orj)c<:";. -, 72 Date: I /7 / oS- ( I Joseph R. Ross III 43 I Hillcrest Drive Carlisle, PA 17013 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 MORTGAGE ASSISTANCE PROGRAM (HEMAP) mav be able to help 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 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agencv. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end ofthis Notice. Ifvou have any Questions, you may call the Pennsylvania Housing Finance Agencv toll free at 1-800-342-2397. (persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTlFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTlNUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES 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. EXHIBIT \\ f>" HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCT, NO.: ORIGINAL LENDER: CURRENT LENDER/SERVICER: LAW FIRM FILE NO.: Joseph R. Ross III and Katrina Ross 431 Hillcrest Drive, Carlisle, P A 17013 31931512 New Century Mortgage Corporation Ocwen Federal Bank, FSB 05-23495 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 PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOU 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, 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 THE NEXT (30) DAYS.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.) If you have tried and are unable to resolve this problem with the lender, 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 consurner credit counseling agencies have applications have for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting, YOU MUST 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 MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. 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 on have filed bankrn tc , on can still a I for Emer enc Mort a e Assistance. HOW TO CURE YOUR MORTGAGE DEFAULT (Brin!!: it up to date). NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at: 431 Hillcrest Drive, Carlisle, P A 17013 IS SERIOUSLY IN DEF AUL T because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: August 1,2004 to January 1, 2005 @ $909.74 Other charges (explain/itemize): Late Charges: August 16,2004 to December 16, 2004 @ $45,49 Pre-Default Late Charges: Suspense Credit to Borrower: Inspection Fees: = $5,458.44 = = $227.45 $363,92 $(401.27) $10,50 TOTAL AMOUNT PAST DUE: = $5,659,04 B, YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): 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 $5,659,04, 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: Ocwen Federal Bank, FSB 1665 Palm Beach Lakes Suite 105 West Palm Beach, Florida 33401 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable,) 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 riehts to accelerate the morteaee 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 payoff the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the creditor begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00, However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50,00, Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY veriod, YOU will not be required to vav attorney's fees. OTHER LENDER REMEDIES-The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE-If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale, You may do so by paying the total amount then \:last 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 Sheriff's 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 wiII 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 mortgaged property could be held would be approximately six (6) months from the date of this Notice, A notice of the actual date of the Sheriff's Sale will be sent to you before the sale, Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. If money is due, such payment must be in cash, cashier's check, certified check or money order made payable to the lender at the address set forth above. HOW TO CONTACT THE LENDER: Name of Lender: c/o The Law Firm of Shapiro and Kreisman Address: 2520 Renaissance Blvd., Suite 150, Kine: of Prussia, P A 19406 Phone number: (610) 278-6800 (610) 278-9980 Fax number: Contact person: I1ana Zion. ESQuire EFFECT OF SHERIFF'S SALE- You should realize that a Sheriff's 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 >( mayor _may not (CHECK ONE) 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 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 PAYOFF THIS DEBT. . TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. . TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) . TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, . TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. . TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a list of all Counseling Agencies listed in Appendix C, FOR THE COUNTY in which the property is located, nsing additional pages if necessary). CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a list of all Counseling Agencies listed in Appendix C, FOR THE COUNTY in which the property is located, using additional pages if necessary). APPENDIX C PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER COUNSELING AGENCIES CUMBERLAND COUNTY Adams County Housing Authority 139-143 Carlisle Street Gettysburg, P A 17325 (717) 334-1518 CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 888-511-2227 Community Action Commission of Capital Region 1514 Derry Street Harrisburg, PA 17104 (717) 232-9757 Loveship, Inc. 2320 North 5'h Street Harrisburg,PA 17110 (717) 232-2207 Maranatha 43 Philadelphia Avenue Wayneshoro, PA 17268 (717) 762-3285 PHFA 211 North Front Street Harrisburg, P A 1711 0 800-342-2397 Date: Katrina Ross 431 Hillcrest Drive Carlisle, PA 17013 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortllalle on your home is in default, and the leuder intends to foreclose. Specific information about the nature of the default is provided in the attached palles. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help save your home. This notice explains how the prOllram works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counselilll!: AllenCy. The name, address and phone number of Consumer Credit Counselinll A!!encies servin!! your County are listed at the end of this Notice. If you have any Questions, yOU may call the Pcnnsylyania Housin!! Finance A!!ency toll free at 1-800-342-2397. (persons with impaired hcarinl! can call (717) 780-1869). This Notice contains important lcgal 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 TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALV AR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER: CURRENT LENDER/SERVICER: LAW FIRM FILE NO.: Joseph R. Ross III and Katrina Ross 431 Hillcrest Drive, Carlisle, P A 17013 31931512 New Century Mortgage Corporation Ocwen Federal Bank, FSB 05-23495 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 PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOU 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 PENNSYL VANIA 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. 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 THE NEXT (30) DA YS.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.) If you have tried and are unable to resolve this problem with the lender, 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 have for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST 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 MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. 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 ou have filed bankru tc , ou can still a I for Emer enc Mort a e Assistance. HOW TO CURE YOUR MORTGAGE DEFAULT (Brin!! it up to date). NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located at: 431 Hillcrest Drive, Carlisle, P A 17013 IS SERlOUSL Y IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: August I, 2004 to January I, 2005 @ $909.74 Other charges (explain/itemize): Late Charges: August 16, 2004 to December 16, 2004 @ $45.49 Pre-Default Late Charges: Suspense Credit to Borrower: Inspection Fees: = $5,458.44 = $227.45 = $363.92 $(401.27) $10.50 $5.659.04 TOTAL AMOUNT PAST DUE: B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): 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 $5.659.04, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by caBh, cashier's check. certified check or money order made payable and sent to: Ocwen Federal Bank, FSB 1665 Palm Beach Lakes Suite 105 West Palm Beach, Florida 33401 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date ofthis letter: (Do not use ifnot applicable.) 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 ri!!hts to accelerate the mort!!alle 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 payoff the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the creditor 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 Iegal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, yOU will not be reQuired to pay attorney's fees. OTHER LENDER REMEDIES-The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE-If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, yOU still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as svecified 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 Sheriffs Sale of the mortgaged 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. If money is due, such payment must be in cash, cashier's check, certified check or money order made payable to the lender at the address set forth above. HOW TO CONTACT THE LENDER: Name ofLendcr: C/O The Law Firm of Shapiro and Kreisman Address: 2520 Renaissance Blvd., Suite 150, Kin!! of Prussia. P A 19406 Phone number: (610) 278-6800 (610) 278-9980 Fax numbcr: Contact person: Ilana Zion, ESQuire EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the Iender at any time. ASSUMPTION OF MORTGAGE-You l( mayor _ may not (CHECK ONE) 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 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 MA Y HAVE TO SUCH ACTION BY THE LENDER. . TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a list of all Counseling Agencies listed in Appendix C, FOR THE COUNTY in which the property is located, using additional pages if necessary). . . CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (Fill in a list of all Counseling Agcncies listed in Appendix C, FOR THE COUNTY in which the property is located, using additional pages if necessary). APPENDIX C PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER COUNSELING AGENCIES CUMBERLAND COUNTY Adams County Housing Authority 139-143 Carlisle Street Gettysburg, P A 17325 (717) 334-1518 CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 888-511-2227 Community Action Commission of Capital Region 1514 Derry Street Harrisburg, P A 17104 (717) 232-9757 Loveship, Inc. 2320 North 5th Street Harrisburg, P A 1711 0 (717) 232-2207 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 (717) 762-3285 PHFA 211 North Front Street Harrisburg, P A 1711 0 800-342-2397 ~. . :: ===t ili~ ---t-= ~!L---- J-- _----4-- --- ------ g~\ --l- ~g I, ~ ~g ~ \ ~;; h'~ ~:;n ~~ i1i ~~ ~ :g~ ^-.f'~lii~: ~ ~-g 2 t\~' ~ [ ~~ ~ }4';::;0 ~'~ ~ ~ ~"tr ~ t)OC ..$' 0- <:(~ O).tlNn ~g ~ ,~& ~~ 1." dle::>8C1 \LUn181=l . ~-_.- _._~,._.- .peds --~- l ortE.'t.Ul!ol teO 8Jn eu5~:03 -_.--~.~,....- ----~-- -.-.-..-.--- KH, ) ;\Je/>cH ] .. e .. k c o ~ .. E !! ~ ~ ~ .~ ~ Q. $ <J) ~.~.-~ l!'. (1) ~ :I: 'l-~-g~ 0.. ""E<'lI.Q ~(1) ~~1s~:g~ ti5]~"\:)'OItl'Q $ ::.~-g",SQ) u... ~Hl;~~1Ii <C~'iS.5~Ci..O - - c ., Q. ~ '0 Q. ~ jg o '6 ~ c E . !! ~ r:: ,g. ~.~ i ~~ = 9- to ~ 'C"5 8 ]~&e ~~E~ g'o..i! ~ 0::& & iii 0000 . 00 . - o a. ~ ~ o :,i .5 1i .~ $ 0 \3 i g ~ o <3 ~ 11.>: n>: ~~O,~a.5 ~ ()8~~~ . " \.J) U <J- N 0. Ci \ -- T ~ 0) ~ '" ~ CD i:' ., 2 \ ~ .g u. \J) \, <i 0 ... \~ g ... .-(:) '" -jl'" E :l~ 0 -j u. ~-~ </) ...: '" ..; ..t .0 .; .; !--.J a. U.S. Postal Service", CERTIFIED MAIL,., RECEIPT (Domestic Mail Only; No Insurance Coverage Provided) U1 ru U1 '"" '"" o U1 '"" ru iT] :::r- [J"" USE ru [T1 :::r- [J"" ru o C1 Return Reclept Fee o (E~tRequlrEld) o Restricted Delivery Fee ...n (EndorSement Required) '"" '"" .~t~-'-'~,,, , ,'..'-' r-.', /(,\\"',,c"'~".: -"",-'f '\ '':;''/ ',,' '\ '\ IS' (",:oIiar'< ',:?'. \- '"\ I'''' G\ riSi~S./ J';; .(...., " ',,~)---'-'-"1c.. r \::',-,.~~~'..;:/ ru o o o Return Reciept Fee (Endorsement Required) Restricted Delivery Fee (Endorsement Required) o ..n '"" '"" Total Postage & Fees :::r- o o !'- ;;r d _,ana o I"'- - .. . VERIFICATION Ilana Zion, Esquire hereby states that she is the Attorney for the Plaintiff in this action, that she is authorized to make this Verification as the Plaintiff is outside the jurisdiction of the Court and Plaintiff's verification could not be obtained within the time necessary to file this pleading, and that the statements made in the foregoing Complaint in Mortgage Foreclosure are true and correct to the best of her knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Fa.C.S. Sec. 4904 relating to unsworn falsification to authorities. SHAPIRO & KREISMAN BY: \JJlVJL ~~ Ilana Zion, quite Attorney for Plaintiff Dated: .:; 1)0/0 tJ ~ ~ ~ '" ('\ ~. (1\ -. - 'l\ ~ Vd U, \ L-;. ( c. ~ '-t: 0<), c<\ ~ --.) I:") . , \"'~J (" r-.) o -n :..::1 ~, , .~ _.111 1--' - SHERIFF'S RETURN - OUT OF COUNTY CASE NO: 2005-02447 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND DEUTSCHE BANK NATIONAL TRUST VS ROSS JOSEPH RIll ET AL R. Thomas Kline , Sheriff or Deputy Sheriff who being duly sworn according to law, says, that he made a diligent search and and inquiry for the within named DEFENDANT , to wit: ROSS KATRINA but was unable to locate Her in his bailiwick. He therefore deputized the sheriff of DAUPHIN County, Pennsylvania, to serve the within COMPLAINT - MORT FORE On June 9th , 2005 , this office was in receipt of the attached return from DAUPHIN Sheriff's Costs: Docketing Out of County Surcharge 6.00 9.00 10.00 49.50 .00 74.50 06/09/2005 SHAPIRO & KREISMAN c~ R. Thomas Kline Sheriff of Cumberland County Sworn and subscribed to before me this /6''::- day of q. _. 'J ,/ dtfD.> A.D. ~. D ~;ol" #" Prothonotary SHERIFF'S RETURN - NOT FOUND CASE NO: 2005-02447 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND DEUTSCHE BANK NATIONAL TRUST VS ROSS JOSEPH RIll ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT OCCUPANTS but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE , NOT FOUND , as to the within named DEFENDANT , OCCUPANTS 431 HILLCREST DRIVE CARLISLE, PA 17013 GIVEN ADDRESS IS VACANT. Sheriff's Costs: Docketing Service Affidavit Surcharge 6.00 3.70 .00 10.00 .00 19.70 So answers > ~ ~ ~ ~ R. Thomas"Kline Sheriff of Cumberland ~ --- County SHAPIRO & KREISMAN 06/09/2005 Sworn and subscribed to before me this IS':' day Of~. .11J-Os' A.D. L / "v (2 pro~notary . ~ }n ,If,,"", . SHERIFF'S RETURN - REGULAR CASE NO: 2005-02447 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND DEUTSCHE BANK NATIONAL TRUST VS ROSS JOSEPH RIll ET AL JASON VIORAL , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon ROSS JOSEPH RIll the DEFENDANT , at 2000:00 HOURS, on the 1st day of June , 2005 at 111 BUCHER HILL APT 6 BOILING SPRINGS, PA 17007 by handing to JOSEPH ROSS III a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Additional Comments 431 HILLCREST DRIVE CARLISLE IS VACANT. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 3.70 .00 10.00 .00 31.70 .~~#-.A' R. Thomas Kline 06/09/2005 SHAPIRO & KREISMAN day of ~~ put Sheriff Sworn and Subscribed to before By: me this l,sti! c.}--;-: ~ .2005' A. D . c...~ Q ~J,.. /IP"r;:' / rothonotary ,~, In The Court of Common Pleas of Cumberland County, Pennsylvania Deutshce Bank National Trust Canpany VS. Joseph R. Ross III et al SERVE: Katrina Ross No. 05-2447 civil Now, May 13;\ :W05 , I, SHERIFF OF CUMBERLAND COUNTY, PA, do hereby deputize the Sheriff of Dauphin County to execute this Writ, this deputation being made at the request arid risk of the Plaintiff. r~~ Sheriff of Cumberland County, PA Mfidavit of Service Now, ,20-,at 0' clock M. served the within upon at by handing to a copy of the original and made known to the contents thereof. So answers, Sheriff of County, PA Sworn and subscribed before me this _ day of ,20_ COSTS SERVICE . MILEAGE AFFIDAVIT $ $ @ffitt of tlp~ ~4eriff William T. Tu\1y Solicitor J. Daniel Basile Chief Deputy Mary Jane Snyder Real Estate Deputy Michael W. Rinehart Assistant Chief Deputy Dauphin County Harrisburg, Pennsylvania 17101 ph: (717) 255-2660 fax: (717) 255-2889 Jack Lotwick Sheriff Commonwealth of Pennsylvania DEUTSCHE BANK NATIONAL TRSUT COMPANY vs County of Dauphin ROSS KATRINA Sheriff's Return No. 0876-T - -2005 OTHER COUNTY NO. 05-2447 AND NOW:May 26, 2005 at 9 : 23AM served the wi thin COMPLAINT IN MORTGAGE FORECLOSURE upon ROSS KATRINA by personally handing to KATRINA ROSS, DEFT l true attested copy(ies) of the original COMPLAINT IN MORTGAGE FORECLOSURE and making known to him/her the contents thereof at 26 BRUBAKER HALIFAX, PA RD l7032-0000 Sworn and subscribed to So Answers, JR~ before me this 27TH day of MAY, 2005 NOTARIAL SEAL MARY JANE SNYDER, Notary Public Highspire. Dauphin County My Commission Expires Sept. 1,2006 Sheriff of Dauphin ~unty, Pa. By ~ Sheriff's Costs:$49.50 PD 05/l6/2005 RCPT NO 206949 ~A/ GM SHAPIRO & KREISMAN, LLC BY: JOSEPH REJENT, ESQUIRE ATTORNEY I.D. NO: 59621 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-23495 Deutsche Bank National Trust Company, as Trustee for the registered holders of New Century Home Equity Loan Trust, Series 2003- : 2, Asset Backed Pass-Through Certificates, : Series 2003-2 : , PLAINTIFF : , , , , , Joseph R. Ross, III (Real Owner & Mortgagor) : And Katrina Ross (Mortgagor) : , DEFENDANT(S) : COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 05-2447 CIVIL TERM VS. PRAECIPE TO SETTLE. DISCONTINUE AND END TO THE PROTHONOTARY: Kindly mark the above-captioned matter SETTLED, DISCONTINUED AND ENDED, without prejudice. SHAPIRO & KREISMAN, LLC BY: !JiRCJ{SQUire Attorney for Plaintiff DATED:~ CERTIFICATE OF SERVICE I, Joseph Rejent, Esquire, hereby certify that on ~ I served a true and correct copy of the within Praecipe to Settle, Discontinue and End upon the following parties via first class mail, postage prepaid: Joseph R. Ross, III (Real Owner & Mortgagor) 111 Bucher Hill Road, Apt. 6 Boiling Springs, P A 17007 Katrina Ross (Mortgagor) 26 Brubaker Road Halifax, PA 17032 SHAPIRO & KREISMAN, LLC BY: (J..JQt JO~Jent, EsqUire Attorney for Plaintiff . . -:5 -;::.;-(. 0' .' ~ .z~ \"~~. :"J,'q ;'ft~ '/)\ "';...A .~ .- -- if' <2 ::'~ ....' ""'- f}. ~ '" ~iY: "f' (:)., , '("";..;,-,.. 'S&'C,: 7sq ":::2. 'j,