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Home My WebLink About01-3421 - Spear & Hoffman, P.A. BY: BONNIE DAHL, ESQUIRE Attorney J.D. No. 79294 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey 08034 (856) 755-1560, Attorney for Plaintiff, Loan No. : 0004107365 CHASE MANHATTAN MORTGAGE CORPORATION FIKIA CHEMICAL RESIDENTIAL MORTGAGE CORPORATION 1400 EAST NEWPORT CENTER DRIVE P.O. BOX 9430 DEERFIELD BEACH, FL 33443-9430 PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 01 - dlt~{ ~-u:LY~ vs. COLLEEN M. SMITH 440 MAIN STREET BROWNDALE, PA 18421 DEFENDANTS COMPLAINT - CIVIL ACTION COMPLAINT IN 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 personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LA WYER AT ONCE. IF YOU DO NOT HAVE A LA WYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY A VENUE CARLISLE, P A 17103 (717) 249-3166 , A VISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo a partir de la fecha de la demanda y la notificacion. Race falta asentar una comparencia escrita 0 en persona 0 con un abogado y entregar a la corte en forma escrita sus defensas 0 sus objeciones alas demandadas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso 0 notificacion. Ademas, la corte puede decidir a favor del demandato y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero 0 sus propiedades 0 otros dereches importantes para usted. LLEVE EST A DEMANDA A UN ABOGADO INMEDIA T AMENTE, SI NO TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE P AGAR TAL SERVICIO, V A Y A EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIAL LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY A VENUE CARLISLE, P A 17103 (717) 249-3166 .. Spear & Hoffman, P.A. BY: BONNIE DAHL, ESQUIRE Attorney I.D. No. 79294 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey 08034 (856) 755-1560, Attorney for Plaintiff, Loan No. : 0004107365 CHASE MANHATTAN MORTGAGE CORPORATION F/K/A CHEMICAL RESIDENTIAL MORTGAGE CORPORATION 1400 EAST NEWPORT CENTER DRIVE P.O. BOX 9430 DEERFIELD BEACH, FL 33443-9430 PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. vs. COLLEEN M. SMITH 440 MAIN STREET BROWNDALE, PA 18421 DEFENDANTS COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is CHASE MANHATTAN MORTGAGE CORPORATION F/K/A CHEMICAL RESIDENTIAL MORTGAGE CORPORATION, with its principal place of business located at 1400 EAST NEWPORT CENTER DRIVE, P.O. BOX 9430, DEERFIELD BEACH, FL 33443-9430. 2. The names and last known addresses of the Defendants are: COLLEEN M. SMITH, 12 BUCKINGHAM HEIGHTS, MOSCOW, PA 18444. 3. The interest of each individual Defendant is as mortgagor, real owner of the real property subject to the mortgage described below, or both. 4. On or about MAY 26, 1995, Mortgagors made, executed and delivered a Mortgage upon the premises hereinafter described to FIRST KEYSTONE MORTGAGE, INC., which Mortgage is recorded as follows: Office of the Recorder of Deeds in and for CUMBERLAND COUNTY DATE OF MORTGAGE: MAY 26, 1995 DATE RECORDED: MAY 30, 1995 BOOK: 1036 PAGE: 128-134 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. 1019(g). A true and correct copy of said Mortgage is attached hereto as Exhibit "A" and incorporated herein by 1 .. "- reference. 5. On or about MAY 26,1995, in consideration of their indebtedness to FIRST KEYSTONE MORTGAGE, INC., COLLEEN M. SMITH made, executed and delivered to FIRST KEYSTONE MORTGAGE, INC. their promissory Note in the original principal amount of $29,500.00. A Lost Note Affidavit is attached hereto as Exhibit "B". The Note is referenced herein only insofar as the terms of the Note are incorporated into the Mortgage. 6. Plaintiff is the legal holder of the Mortgage by virtue of being either the original Mortgagee, the legal successor in interest to the original Mortgagee, or the present holder of the Mortgage by virtue of the following assignments: ASSIGNOR: FIRST KEYSTONE MORTGAGE, INC. ASSIGNEE: CHEMICAL RESIDENTIAL MORTGAGE CORPORATION DATE OF ASSIGNMENT: MAY 22, 1996 RECORDING DATE: MAY 22,1996 BOOK: 1140 PAGE: 298 7. The Mortgage is secured by property located at 440 MAIN STREET, BROWNDALE, PA 18421, which is more particularly described in the legal description attached hereto as Exhibit "C" and incorporated herein by reference. 8. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, due 12/1/00 and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become immediately due and payable forthwith together with late charges, escrow deficit (if any), and costs of collection including title search fees and reasonable attorney's fees. 9. The following amounts are due on the Mortgage: Principal Balance $28,069.47 9.00% interest from 11/1/00 to MAY 18, 2001 at $6.92 per day $1,377.32 Accrued Late Charges $94.90 Coco Fee $125.00 2 ..... Estimated Attorney's Fees $3,600.00 TOTAL AMOUNT DUE $33266.69 Interest continues to accrue at the per diem rate of$6.92 for every day after MAY 18,2001 that the debt remains unpaid. 10. The original principal balance of the Mortgage is in excess of $50,000.00 and therefore, Notice ofIntention to Foreclose Mortgage, pursuant to Act 6, 41 P.S. ~403 is not applicable. 11. Pursuant to the notice provisions of Act 91, 35 P.S. ~1680.403(c), notice was sent to Defendants, dated FEBRUARY 1, 2001. Copies ofthe notices to the defendants are attached as Exhibit "D". Defendants have failed to meet with the plaintiff or any of the consumer credit counseling agencies listed in the notice and/or have further failed to meet the time limitations specified in the notice and/or have been denied assistance from the Pennsylvania Housing Finance Agency. 12. Notice pursuant to the Fair Debt Collection Practices Act is attached as Exhibit "E". WHEREFORE, Plaintiff respectfully requests this Court to enter judgment IN REM in favor of Plaintiff and against the within named property of the Defendants in the amount set forth in paragraph 9, together with interest, attorney's fees, and other expenses, costs and charges collectible under the Mortgage and for the foreclosure and sale of the mortgaged premises. SPEAR & HOFFMAN, P.A. DATE: 41 0 ) AYvJ1} BONNIE DAHL, ESQUIRE 3 MRY 18 2001 3:53 PM FR SENT BY: SPEAR HOFFMAN NJ/PAj Co. . ass 755 ~570j TO 918567551570 P.03/03 MAV.15,.17:12j PAGE 3/3 VERTHCAI10N The undersig;ned hereby states that he/she is a.n authorizl:d officer, representative OT agent for Plaintiffin this action and tha.t he/she is authorized [0 make this Yeri fication on behalf of PlainlifT, and lhat the facts set fonh in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records oftb~ Mortgage held by Plaintiff in [he ordina,ry course of business and that those facts are true and correct to the best ofhislhcr knowledge: infornlation and belief. THE UNDERSIGNED UNDERSTANDS THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF 18 PA.C.S. ~4904 RF.I.AT1NGTOUNSWORN FALSIFICATION TO AUTHORTTIES. Date;~ ~-~- J'~ Name: RH-C:>tJ'C>,," ~ t-.)\<-S Compan)': e-......... r'Y'" c. Title: F"ClIr<l!:.e.cl.-~s,-,~E N\~......p..Ge;: ~ loan #: 0004107365 NJ/P A: 1020 North Kings Hil;hwayl Suite 2101 Cherry Hill, N_l 030341 (856) 755-1560/1'8): (856) 755-1570 05/18/2001 14:41 ;. me red rlly In- ~tS ..<. U'y ~ N ~ ... .., ." ~ ;'')t~ I " . 0'" j In:::! l.J i I w. j 1 l\the llte1l. Itde. t\':-. t' .'.' ~ (j \l t ~~ ~<;j ~l~ ~~ ~ .~~ . , ~ '~ \: \.J ~, ~ ~" " ~ ~~ 1'>' ~" 3;;", I ~(. ~. 2311505 . . :h1Y p;l(,J>,~((-e;'-.-:. , :1' ~rr ftYf ri7J b ti- I So fi9 ?------.--:-~.'l. I I~J:C '~\Il..thlII_.lLlI. ._rolM III __.om....r WA.~.'Co J. r--.,.lvaDla. ....\1'* .'RI lIiIJQflm ,lIE. U..1M %8T IlL: tJ.if!..~'- , '. ~ ~ I,.. lJf1C(llr\'r-='~"",. :wt,/ ..t.iD. \,i;\ '~_1II1 M, 1194 mE 1IIIt, 1m[ li( ~ j%!. lib'": I~D l\' ,,,,, WI, '.00 \..... : L' j'GIDC..Oold:u III'lT tAlC ..!II lti);;._~~/ _rat..r t>oo4a ,.~~,~... ...-.,.,............-.............. " LlW1 NO. 13+,aoOal MORTGA~ nus Nlll!.tcl.O' ('Soaarl'l'~'" ~_ DD _Y Tll.tIlOrI_r" ,! 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Geode does hereby certify: 1. am Ass-\-. \11('(' ?rl.c..\Oe rl-i- of CHASE MANHATTAN MORTGAGE CORPORATION F/K1A CHEMICAL RESIDENTIAL MORTGAGE CORPORATION Plaintiff in the foreclosure action and I am authorized to make this certificalion. 2. The Plaintiff has lost or misplaced the original Note/Bond dated MAY 26, 1995, made by COLLEEN M. SMITH to FIRST KEYSTONE MORTGAGE, INC. in the ()riginal sum of $29,500.00 with interest at the initial rate 0[9.00% per annum, which provided for mon1hly payments of $306.31 commencing on JUNE 30, 1995 and payable on the first day of each month thereafter for principal and interest until JUNE 1,2025 when the entire balance is due and payable. 3. The aforesaid notelbond was secured by a mortgage of even date with the NotelBond as set forth in the Complaint. 4. The aforesaid 1\ote/Bond has not been paid but has merely been lost or mbplaced and the certificate is submitted in lieu of producing the original NotelBond which was 10 be marked as an exhibit in this foreclosure action. 5. I hereby certify that the foregoing statements made by me are true; I am aware that ifany of the foregoing statements made by me are willfully false, I am subject to punishment. Name: ('()Q( L G-ooc--te... Title: Ass+ \l1C.e.?('LSlc.len+ CHASE MANHATTAN MORTGAGE CORPORATION FIKJA CHEMICAL RESIDENTIAL MORTGAGF CORPORATION 1400 EAST NEWPORT CENTER DRIVE P.O. BOX 9430 . DEERFlELD BEACH, fL 33443-9430 Dated: 5 /CA,~)O ( / / - 6 l ^~I.tq~ttJ~:J3~ 05/18/2001 14:49 2311505 , -" . ' . . 'j 'I ii :i ii :I ii j' 'i ij ,i P" J '''O)Cl , ' :! ! I . '! PAGE 05/05 . :, i ~ :-..--. ..:;:.~~. ~'~""'''l'''''''~' ,,:L ". q~:~~",__e(~~O=""-'~"I"r ~,:, n1., i i I' i !! '. ,( c' ..,.:.1.. ," 1I!i 'I' '!'ci 'I II. Ii' ' .. H"I~~'i, 'I,!I ! !. =[1 ~J~ . 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'j,5[ J.W ..~. 1- ,., . f r I" r' f td I I l rl ~ r I ' :1 i II ~ i I 1111 , if's I ~ ; - 1 !; II .f.' : f. t .. J . I! c ': .;J 'p Il I ~ J J f 1 * r I ~ it I' 11 ,-..,~ J" t i I t i I t j . i,l ~ ~1!f'"1 ~ L r p d g If J J i 0' '~ . Y' ~ t " r I & l! i " ,. r ~ ~ l 'r = = f f ~ I f "; .. r ~ :,t ~,J ft J l'f n q Ii ~ f 1 ~ d lfp~..i i-II .Ie prill "Ld -r, II Lal=td qp If' 11 ~I !, II 1~lt .~,I, q pri Ii i'~ H' ''I." <I Ii' ,m LI>~S2: : '[t.I xtld ~ -- ,,--_.. -_..,,--...~-.:...._.- 3-lt11 3rlS : W~.:l -- .. . . Exhibit "D" MAY 22 2001 3:57 PM FR n CHASE U Chaso Manllaltll' MOftgAge C~alion TO 918567551570 P.02 .. February 01, 2001 Colleen M Smith 440 Main Street Browndale PA 18421 HE: LOAN NUMBER: F0004107365 PROPERTY ADDRESS: 440 Main Street Browndale PA 18421 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) may be able to help to save your home. This notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELIN( AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencie= serving your county are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1 (800) 342-2397. (Persons with impaired hearing can call TDD @ (717) 789-1869.) This Notice contains important legal information. questions, representatives at the Consumer Credit be able to help explain it. You may also want to your area. The local bar association may be able lawyer. La notificacion en adjunto es de suma importancia, pues afecta su derechc continuar viviendo en su casa. Si no comprende el contenido de esta notificacion obtenga una traduccion immediatamente llamando esta agencia (pennsylvania Housing Finance Agency) sin cargos al numero mencionado arriba. Puede ser elegible para un prestamo por e1 programa llamado nHomeowner's Emergency Mortgage Assistance Program" el cual puede salvar su casa de la perrida del derecho a redimir su hipoteca. r f you have any Counseling Agency mar contact an attorney In to help you find a HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM You may be eligible for financial assistance which can save your home from foreclosure and help you make future mortgage payments. If rou comply with the provisions of the Homeowner's Emergency Mortgage ASSIstance Act of 1983 (the "Act"), you may be eligible for emergency mortgage assistance: Chase Manhattan Mortgage Corp. 1400 East Newport Center Drive Deerflp.lc1 Rpllrh J;lnriri" 4~H? MAY 22 2001 3:58 PM FR O CHASE CPl88. ~a" MofI9"9" CotllOl'lltOn TO 9185675515dJ r. 8~: .. '" page 2 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 PA Housing Finance Agency. TEMPORARY STAY OF FORECLOSURE-- Under the act, you are entitled to a temporary stay of foreclosure on your mortgage for 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 30 days after the date of the meeting. The names, addresses, and telephone numbers of designated consumer credit counseling agencies are listed 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 50, you must fill out, sign, and file a completed application with one of the designated agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the PA Housing Finance Agency. Your application MUST be filed within 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 f~nds for emergencv mortoace assistance are very limited. This will be disbursed by the Ag~ncy'under the eligibilitl criteria established by the Act. The PA Housing Finance Agency has 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 no~iiied directly by the PA Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY ~ROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THe FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT 8E CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. iF YOU HAVE FIL~D BANKRUPTCY, YOU CAN STILL APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. F0004107365 Chase Manhattan Mortgage Corp. 1400 East Newport Center DrIVe Deerfield Beach. Flonda ~3447 MAY 22 2001 3:58 PM FR o ~U~:~MOflgege Corpgraacn TO 918567551570 ~ page 3 HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) The Mortgage debt held by Chase Manhattan is seriously in default becau: you have not made monthly payments for the following months and the following amounts are now past due: 12-01-00 01-01-01 02-01-01 Total amount to remit: S 975.87 You may cure the default within 30 days of the date of this notice by paying the total amount past due, which is $ 975.87 plus any mortgage payments and late charges which become due during the 30 day period. Payments must be made either by cashier's check, certified check or money order made payable to Chase Deerfield and sent to 1400 East Newpor Center Drive, Deerfleld Beach FL 33442, Attention Payment Processing. 306.31 306.31 306.31 IF YOU DO NOT CURE TH~ DEFAULT-- If you do not cure the default within 30 days of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within 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 lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00 However, if legal proceedings are started against you, you will have to ~ay 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 30 day period, you will not be required to pay attorney's fees. OTHER LENDER REMEDrES-- The lender may also sue you personally for the un9aid principal balance and all ether sums d~e unde~ ~he mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIff'S SALE-- If you have not cured the default within the 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 She~iff's 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 connect@d with the foreclosure sal@ and any other costs connected with the Sheciff's Sale as specified in writing by the lender and by performing any other r.equirements 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. F0004107365 Chase Manhattan Mortqage Corp. 1400 East Newport Center Drive npprli13lrl RD>3rh ~I^,.~",,~ "'5" A..." MAY 22 2001 3:59 PM FR O CHASE . eh... ~niln MoI\9'l98 COlflG'aftO,. TO 918567551570 P.05 - ..... page 4 EARLIEST POSSIBLE SHERIFF'S SALE DATE-- It is estimated that the earliest date that such a Sheriff's Sale of the mortgage property could be held would be approximately six months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER- You may call Chase Manhattan Mort9age Corporation at 1 (800) 527-3040 between Bam and 6pm Eastern Tlme, Monday through Friday. Customer Service representatives will be able to route you to the correct department, depending on the stage of delinquency. All inquiries can be mailed to Chase Manhattan Mortgage Corporation at 1400 East Newport Center Drive, Deerfield Beach, FL, 33442. EffECTS 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 ~roperty after the Sheriff's Sale, a lawsuit to remove you and your furnlshlngs and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-- You may be able to 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 ~equirements of the mortgage are satisfied. Contact your lender to determine if your loan is assumable. YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THE DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCC~RREDI IF YOU CeRE TEE DAFAULT. TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAG2 ~OCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY TEl:: SENDER. TO SEEK PROTECTION UNDER T~E FEDERA~ BANKRUPTCY LAW. 0004107365 Chase Manhattan Mortgage Corp. 1400 E3st N!!wnnrt ('..",... n...... I"\_....~:_I..... "_ *~ ~OTAL PAGE.05 ** - . .. NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT, (the Act) 15 V.S.C. SECTION 1601 AS AMENDED 1. This law firm may be deemed a "debt collector" under the Fair Debt Collection Practices Act. Any and all information obtained during the prosecution of this lawsuit may be used for the purpose of collecting the debt. 2. The amount of the debt is stated in paragraph 9 of the Complaint. 3. The Plaintiff as named in the Complaint is the creditor to whom the debt is owed, or is servicing agent for the creditor to whom the debt is owed. The undersigned attorney represents the interests of the Plaintiff. 4. The debt described in the Complaint, evidenced by the copy of the mortgage note attached hereto, will be assumed to be valid by the creditor's law firm unless the debtor, within thirty (30) days after the receipt of this notice, disputes in writing the validity of the debt or some portion thereof. 5. If the debtor notifies the creditor's law firm in writing within thirty (30) days of the receipt of this notice that the debt or any portion thereof is disputed, the creditor's law firm will obtain a verification of the debt and a copy of the verification will be mailed to the debtor by the creditor's law firm. 6. If the creditor named as Plaintiff in the Complaint is not the original creditor, and if the debtor makes a written request to the creditor's law firm within the thirty (30) days from the receipt of this notice, the name and address of the original creditor will be mailed to the debtor by the creditor's law firm. 7. Written requests should be addressed to Spear & Hoffman, P.A., 1020 North Kings Highway, Suite 210, Cherry Hill, NJ 08034. ~ rJ ~ ~ ~ h ~~ .......... ~ dD~ 9:; ~ j()(} L5 I ~ ~p ~ - ~i '"f.- ~ '"TJ l hi mi',-' ~t:.~ (f~' . r" ~Cj ~~ (~) :;t:., c:: z =< () C ~~ ;::: .....~. ..-;..- o -en '''-5 ~~ i'J\ 8 ('5n1 .~~ -"'.,11> j) -< -0 :r.: :.:? &7 -.oJ SPEAR & HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE ATTORNEY I.D. NO. 79294 1020 KINGS HIGHWAY, SUITE 210 CHERRY HILL, NJ 08034 (856) 755-1560 ATTORNEYS FOR PLAINTIFF CHASE MANHATTAN MORTGAGE CORPORATION F/K/A CHEMICAL RESIDENTIAL MORTGAGE CORPORATION PLAINTIFF, vs. COLLEEN M. SMITH DEFENDANT COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 2001-3421 PRAECIPE TO SETTLE. DISCONTINUE AND END WITHOUT PREJUDICE COMPLAINT IN MORTGAGE FORECLOSURE TO THE PROTHONOTARY: Kindly settle, discontinue and end without prejudice the above captioned complaint in mortgage foreclosure. SPEAR AND HOFFMAN, P.A. AYP BONNIE DAHL, ESQUIRE Attorneys for Plaintiff o c <'" -ocT mrT: z:: :r:. ZC (f) "'; ~(- :< '-~ ;f; c:; "-0 >c ~ o So:: Sr lO .. -) --j ::t:. ::0 -< U1 W