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Home My WebLink About05-5097 ,. 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, P A 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-24715 Deutsche Bank National Trust Company, as Trustee for the registered holders of GSAMP Trust 2004-HE1, Mortgage Pass-Through Certificates, Series 2004-HE1 1665 Palm Beach Lakes, Suite 105 West Palm Beach, FL 33401 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO OS -S0?7 {!ivlT~ VS. Scott R. Thomas and Hilary A. Thomas 1059 C York Road Dillsburg, P A 17019 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 PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER 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 INFORMA nON ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS A T A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 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 QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS P AGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRIT A 0 EN PERSONA 0 POR ABOGADO Y ARCHIV AR EN LA CORTE EN FORMA ESCRIT A SUS DEFENSAS 0 SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA A VISADO QUE SI US TED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO A VISO 0 NOTIFICACION Y POR CUALQUIER QUEJA 0 ALIVIO QUE ES PEDIDO EN LA PETICION DE DE MANDA. USTED PUEDE PERDER DINERO 0 SUS PROPIEDADES 0 OTROS DERECHOS IMPORT ANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, V AYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION 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, P A 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, P A 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-24715 Deutsche Bank National Trust Company, as Trustee for the registered holders of GSAMP Trust 2004- HE 1, Mortgage Pass-Through Certificates, Series 2004- HE 1 1665 Palm Beach Lakes, Suite 105 West Palm Beach, FL 33401 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: VS. Scott R. Thomas and Hilary A. Thomas 1059 C York Road Dillsburg, PA 17019 DEFENDANTS COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, Deutsche Bank National Trust Company, as Trustee for the registered holders of GSAMP Trust 2004-HE1, Mortgage Pass-Through Certificates, Series 2004-HE1, the address of which is, 1665 Palm Beach Lakes, Suite 105, West Palm Beach, FL 33401, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: First NLC Financial Services, LLC Mortgagor(s): Scott R. Thomas and Hilary A. Thomas (b) Date of Mortgage: September 24,2003 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1838 Page 4382 Date: October 1, 2003 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 ofthe Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. .. (d) Assignments: Assignor: First NLC Financial Services, LLC Assignee: Deutsche Bank National Trust Company, as Trustee for the registered holders of GSAMP Trust 2004-HE1, Mortgage Pass-Through Certificates, Series 2004-HE 1 Date of Assignment: As Recorded Recording Date: As Recorded Book: As Recorded Page: 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 of the above-described Assignment(s). 3. The real property which is subject to the Mortgage is generally known as 1059 C York Road, Dillsburg, Pa 17019 and is more specifically described as attached as part of Exhibit "A" 4. Each Mortgagor named in paragraph 1 executed a note as evidence of the debt secured by the Mortgage (the "Note"). A true and correct copy of the Note is attached and marked as Exhibit "B." 5. The name and mailing address of each Defendant is: Scott R. Thomas, 1059 C York Road, Dillsburg, P A 17019; Hilary A. Thomas, 1059 C York Road, Dillsburg, PA 17019 6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 7. 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 May 1,2005 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. 8. The following amounts are due as of September 16,2005: Principal of Mortgage debt due and unpaid $236,277.69 Interest currently due and owing at 7% per annum calculated from April 1, 2005 at $45.31 each day $7,657.39 Late Charge of $79.84 per month assessed on the 16th of each month from May 16, 2005 to September 16, 2005, (5 Months) $399.20 Escrow Advances made by Plaintiff $136.72 SuspensefUnapplied Balance ($109.81 ) Accrued Late Charges $1,437.12 NSF Check Fee $20.00 Property Inspection $10.50 Title Search/Report Fees $250.00 Attorneys' Fees and Costs $1,500.00 TOTAL $247,578.81 9. Interest accrues at a per diem rate of 45 .31 each day after September 16, 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. 10. 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. 11. This interest rate is subject to adjustment as more fully set forth in the Note and Mortgage. 12. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983,35 P.S. 9 1680A02c, et seq., 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 ofthe Notice are attached hereto as Exhibit "C". 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 8 and 9, 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 Date: q" ~ 8 -os- BY: Ol/l__ Ilana Zion, Esqui e Attorney for Plaintiff S & K File No. 05-24715 AuriHIQ ~~. It,,, f'.....IEJ AIIlM .n:'~) , J V;" twmll aC'flT ,. ZlEDlrR ..':.~QlIlltR IIF DllDS . - .aUNDOOllllTY_~' '~3OCT 1 fill, '2 .. --...-... -...--... ...._......., --...- ...--..........,.. -- ut"ID-n':!.l.1!Ir ---- ~__...._..__...__.._.._s. 11. D. .......a _............._,,-......._..ollo...-. -.. l4).....__..__r.._ _.... --.-....- ell_II _L___"~___ ~-"-:;===''''''I.LO ...... 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"'-.r::: '-~-~.=~- =-1oJ.:...~.~...."';;;'I)-.....~....~=== -~~.....!..!!.-_...._..'- -...-. _..~..._""'---_....~-.tt-- =-- ._-==~~:cr:: ... ........_" ~~ ~-....7-.1iiiiiO:ik...._,,-. -...- '-~::.'" ..-. ---:=- ~....~~='1 i:! ::."::~...:'...-==...= ~:=;.- ~- ==-_-:;:=r.~.==.c-~r....~: =....:~..::-e.E=:"..=%'=".:=::;-.:"-= ~__...._..__..1IOIt _L ~*'-~ ~ ..-0 _ - - =--=-...MrJ-r.....__........,......_....... ....----......... ........ ""..a I Certify thl.1O be.-mied 'n ('umbcrn.lIllCounty 1''' .~~r' ~ II. i&361'G~398 .. ,..".. ...!'''~.... h ~ '- " ADJUSTABLE RATE NOTE (LIBOR Sb-MDDth Index (As Published LJ The WaD Street Journal) - Rate Caps) THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AND MY MONTHLY PAYMENT. THIS NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN \ CHANGE AT ANY ONE TIME AND.THE MAXIMUM RATE I MUST PAY. SEPTEMBER 14, lOO3 (OaIo1 CAMP HILL IC~.1 PA 18....1 1059 C YORK ROAD DlLLSBURG, PA 17019 (Property Add,....1 LOAN NO.: 20311763 I. BORROWER'S PROMISE TO FAY In retuOl lilr a loan tllIl I have received, I promise 10 pay U.S. $ "Principal"), plus iuttrell(, to the order of Lender. :Lender is FIRST NLC FINANCIAL SERVICES, LLC LIMITED LIABll..ITY COMPANY I will malte all payments under this Note ill l!lC form of cash, check or IIIOney order. I understand thai Lender may trllusfer this Note. Lender or anyone who lakes dlis Note by uansfer and who is entitled to receive paymenlS under this Note is called the "Note Holder." 1. INTEREST . lluereSl will be char&ed on unpaid principal until the full amount of PrillCipall1as been paid. I will pay interest al a yearly rate of 7.000 <;t. The interesl rate I will pay may cbange in accordance with Section 4 of this NOIe. The interest rate required oy this Section 2 and Section 4 of this Note is the rAte I will pay both before and afICr allY default described ill Section 7(B) of this Note. J. PAYMENTS (A) Time and Plate of Payments [ will pay principal and interest by making a payment every JIIoll1h. I will make my IIIOnthly paymelltS on the first day of eacb mOllth beginning Oil NOVEMBER I, Z003 I will make these payments every month until I have paid all of the principal alld interest and any other charges described below thai J may owe under this Note. Eacb IIIOnthJy payment will be applied as of its scbcduled due dale and will be applied 10 interest before Principal. If, on OCTOBER I, 2033 , I stiU owe amounts under this Note, I will pay those amounlS in full on that date, which is called the "Maturity Date." I will make my monthly payments al 700 W HlLLSBORO BLVD, Bl #204, DEERFlELD BEACH, FL 33441 or at a dlffereut place if require<! by the Note Holder. (8) AlllOUllt of My Initial Monthly Payments Each of my initial monthly payments will be in the amount of U.S. $ 1,596.73 . This amount may change. (C) Monthly Payment ChaDgts Changes in my monthly payment wlJl reflect changes in the unpaid principal of my loan and in lite iJ1lCrest raIC thaI t must pay. The Note Holder will determine my new interest rate and the changed amount of my monthly paymenl in accordance with Section 4 of this Note, 240,000.00 (this amount is called M1J~ TIST ATE ADJU$T ABU! RAT! NOTE - L180R SI)(.MONTH INDEX lAB PUBLISHED IN THE WALL STREET JOURNAL) . Slnglo fornily . fannle M.. Uniform InWllmOnt Form 3620 1101 L..... F"",," Inc. (11001446-3566 LJ'I IV13520 1/01 Paso 1 of 4 InitialS:)'?,:':: V#afl.- " ~"'. ~ w, .,1 · U B " ~ ,., 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) ChaDae Dates . The interest tale 1 will pay tY change on !be first day of OCTOBER. 2006 . and on that day every 6 molUh tbereafl. . Each date on which my illleleSt rate could change is talled a "Olange Dale. " (B) The Index BcgiDDing willt !he first O1a1l&c Date. my Interest rale will be baSed on an Index. Tbe "IlIdex" is tbe average of ituerbank offered rales for,sixilllOlUh U.S. dollar-i1enDminaled deposits in lite, London mar~t ("LlBOR"). as publi8bed in The Wall S~ JQUmal. The moSlreccnt Index fi&ure available as of ~ firs., bU$iness day of Ihe moDtb immedialely precedi~ !hi moDtb io. which Ihe Clwlge Dale occurs is called Ibe "Curreni Index. " If Ibe Index is 110 \ongl'l~ a..\ilablc. the Note Holder will choose a new index IhaI is based upon compinble infonnadon. The Note Hol&.- viII give me notice oflbls choice. (0 Calculation of Cban8es~ Before each Change oalli. 1hC.. Note Holder will calculate my new iluerest rate by adding SIX ANI,) THREE QUARTER$ .. pe~eDlalle point(s) ( 6.750 $) to Ilic Currelll hldex; The Note Holder wiU theT\ rollnd the resull of Ibis additiol\ to dIe nearest one-eighlb of Ont percentaie point (0.125%). Subject to the limits stated in Section 4(0) below. Ibis rounded a/1l0UlU will bG my ItI:W interest rate unlil the nexl Ciange Dale. . The Note HoLder will then de\lmlllne the aDlOu.nt of the 1Il0mhly paymem that would be sufficic1\t 10 repay the unpaid principal that I am expected to owe al the Oange Dale in full 01\ the Maturity Dalc at my new interest rale iu substantially equal payments. TM resull of dti~ calculati()JI will be the uew amoulu of my monthly payment. (D) Limits on Interest Rate Changes The illtCro:SI rate I am required to pay 1Illhe tjrSl Oumgc Da~ will not be greater than 10.000 % or less than 7.000 %. Thereafler. my interest rate will never be Incrt:a:sed or decreased on any single ChaIJge Date by more titan ONE percentage pllint(s) ( 1.000 %) from the rolle of interest I have been paying lor thc preceding 6 months. My inleICl;t Jale will never be greater than 14.000 \It or less than 7.000 %. (E) EtTedlve Date of Changes . My new imerest rate wiU bccomr.: etTl;\;tive on eacb C1ange Date. I will pay the: amoullt of my llew monlbly payment begiMing on the first monthly payment date after thc: Change Dale until the amoulltof DIY monthly payment changes again. (F) Nollce of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amoU!U of my monthly payment before the effective date of any change. The notice will il1clude infonnatioD required by law to be given Il) me and also tlte tide and telephone number of a person who will answer any question I may have regarding tbe noticc. S. BORROWER'S RIGHT TO PREPAY I have the nsht 10 malce payments of Principal at any time before they are due. A payment of Principal ouly is known as a "Prepayment". When 1 make a Prepaymenl, 1 will tell the Note Holder in wriU1\g that I am doing so. 1 may nor designate apaymeut as a Prepayment if 1 have not made alllhe monthly payments due under this Note. 1 may make a full Prepayment or partial Prepayments without paying any Prepayment charge. The Note Holder will use my PrepaymelllS 10 reduce the amoUll1 of Principal that I owe under this Note. However~ the Note Holder may apply my Prepayment If) the accrued and unpaid interest on the Prepayment alllount before applying my Prepayment to reduce the Principal amoutU of this Note. If I make a partial Prepayment, there will be no changes in the due dates of my monthly paymems unless the Note Holder agrees in writing to those changes. My panial Prepayment may reduce the amount of my monthly paymelllS after Ibe first Change Date follOwing my partial Prepayment. However. any reduction due to my partial Prepayment may be offset by an interest rate increase. 6. LOAN CHARGES If a Jaw. wbich applies to this 1010 and whicb sets maximum 1010 charges, is finally interpreted so that the Interest or other loan cOOges collected or 10 be collected in connection with this loan ellCCCd the permitted limits. Iben: (a) any suell loan charge shall be reduced by theamoullt necessary 10 reduce the charge 10 the permitted limit; and (b) any sums already collected from me that exceeded permitted limits will be refunded to me. The Note Holder may MUlTISTATE ADJUSTABlE RATE NOTE. U80R SIX-MONTH INDEX IAS PUBLISHED IN THE WAll. STREET JOURNALI. Sinllle Family. Fll/Inle M.. Uniform 'MtI'ument Form 3520 1101 l_ F"'....Inc. tllOOl446.J555 lfl 'lFl3520 1101 Pee- :I of 4 Initi.I.~f:I- M " choose to malce Ibis refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal. the reduction wiU be treated as a panial Prepayment. 7. BORROWER'S FAILURE TO PAY ASREQUJRED (A) Late Cbarges for Overdue Paymenls If the Norc Holder has not received the full amount of any monthly payment by the end of 10 calendar daYlI after the date it is clue, [ will pay a late charae to the Note Holder. The amoUIll of the cbarge will be 5.000 % of my overdue payDlCDl of prlllCipal and interest. I will pay this late charge promptly but only once on each Iale paymcm. (8) Default IfI do IlOt pay the full amount of eacb monthly payment on the date it is due, I will be in default. (C) Nodct of Default If 1 am in default, the Note Holder may send me a written llOticc tellilli rue that if 1 do IlOt pay the overdue amount by a certain date, the Note Holder may require me to pay illllllc=diately the full allloum of Principal that has not been paid and all the illlereSt that 1 owe on that amolllU. That date must be at least 30 days after the date on which the notice is mailed to me or delivered by otller mean.~. (D) No Waiver By Note Holder Evel! if. at a time wheu I am in default. Ihe Note Holder does IIOt require Ult: to pay immediately in full as described above, the Note Holder will still have the naht to do so if I am in default at a later ome. (E) Payment of Note Holder's Costs and Expenses If the Note Holder bas required lilt to pay immediately ill full as descrilx:d above. Ihe Note Holder will have the nllht to be paid back by me lor all of its CO~1S and ~xpellses in enforcing this NOll: to the extent rot prohibited by applicable law. Those expenses include. for exampl~, reasonable attomeys' fees. 8. GIVING OF NOTICES Unless applicable law rc:quir~ a different method. any notice that must be given to me under this Note will be givell by delivering it or by mailing it by lirst class mail to 111\: at the Property Address above or at a different addres.~ if 1 give the Note Holder a notice of my differcm address. Any notice that must be given to the Note Holder under this Norc will be given by rnailing it by first class mall to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different addre~. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than olle persou signs this Note, eacb person is fully and personally obligated to keep all of the promises mad~ in this Note, including the promise to pay the full amount owed. Any person who is a guarantDr. surety or endorser of this Norc is also oblillated to do these things. Any person who takes over these obligations. including !be obligations of a guarantor. ~llIety or endorser of this Note. is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under tills Nole against each person individually or apinst all of us together. This means that anyone of us may be required to pay all of the amounts owed under this Note. 10. WAIVERS I and allY odlCr person who bas obligations under this Note waive the ri~ts of Presentment and Notice of Dishonor. "Presentment" means the ript to require the Note Holder to demand paYlllem of amoltJ\lS due. "Nodct of Dishunor" IllC'd.II.~ the right to require the Note Holder to give notict to other persons that amounts ~ have not been paid. 11. UNIFORM SECURED NOTE This Note is a unifornl ins!rllmem with limited variations in some: jurisdictions. In addition tD the proleCuollS given to the NOIe Holder under this NOle, a Mongagc, Deed of Trust. or Security Deed (tllC "Security Instrument"). dated the same date as this Note, protects the Note Holder from possible losses that might result if I do not keep the promiSCll that 1 make in this Note. That Security Instrument describes bow and under what conditions I may be required to maIc:e immediate payment in full of all amoums I owe under this Note. Some of those conditioJl.S read as follows: MUL TIST ATE AP.IUSTAaLE RATE NOTE. USOR S1X-MONTK lNDlX IAS PUBUSHEO IN THE WALL STREET JOURNAl) . Single FlIIllJv - Fannie M.. Uniform In_I Form 3520 1101 L.- ""..... I.... 1800) 446.3665 lfl .lF13620 1101 P_3of4 lni\i.l~t1J:k8- " ,., Tl'llDSfer of the Property 01' a Beaefldallnterest In Borrower. A.~ used in this Section 18, "Interest in the Propt:rty. lUCans any legal or beneficIal interest in the Property, including, but /JOt limited to, those ~fkial interests uansferred in a bond for deed, comract for deed, installment sales contract or escrow aarcement, the intent of which is the llaII5fer of title by Borrower at a future date 10 a purchaser. If aU or any part of the Property or any Interest in the Property is sold or tnDst"crred (or if Borrower is nO[ a natural pc:tSOD and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may rcquin: illUllediate payment in full of all sums secured by this Security Instrument. However, this option shall lIOt be exercise<! by Lender if such exercise is prohibited by Applicable Law. Lender also sball JlOl exercise this option if: (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee as if a new loan were being made to the traIISferee; and (b) Lender reasonably detcnniDCS Ibat Lender's security Will/lOt be impaired by the loan assumption and that the risk ota breach of any covenant orasn:etncnt in this Security InstrUmcnt is acceptable 10 Lender. To the extent perl1lilled by Applicable Law, Lender may clwge a reasonable fee as a condition 10 Leuder's CQD.o;ent to thc loan a..;sumption. Lender also may require !he transferee 10 sign all assumption agrcenleflt that is acceptable to Leuder aad that obligates the transferee to keep all the promises and agreements made in the Note and in thi.~ Security lustrumellt. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. It' Lellder exercises the option to require immediate payment ill full. Lender shall give Borrower ootice of acceleration. The notice shall provide a period of DOt less than 30 days froUl the date the notice is given in accordllnce with Section 1:> wilhln which Borrower lIIust pay all sums Sl!I:ured by this Security 1n:strUmeut. If Borrower fails to pay tllCSc: sums prior to the ex.piration of this period, Leudc:r may invoke any remedies pennilted by dtis Security Instrument without further notice or demand on Borrower. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. ~~ (Seal) .lIorro_ (Seal) -Borrow" ~()~ HILAR~ TOMAS. . (Seal) .Borrower (Seal) -Sorrow" (Sign Original Only} ""!ULTlSTATE ADJUSTABLE RATE NOTE - UBOR 8lX-MONTH INDEX (AS PU8LISHED IN THE WALL STREET JOURNALI . S",QIe family - F..,nle M.. UnItonn lnetnlnwnt Form 3620 1/01 ~ F....,.lno. (800144$-35&& LFI .n.F1352Q 1101 P.ge 4 of 4 I i, I n n PREPAYMENT RIDER {ATTACH TO NOTE} 'Thi>> Prepayment Rider is made SEPTEMBER 24, 2003 and is incorporated iato and shall be deemed to amend and supplCUJent the note of even date herewith Biven by the uadenipc4 ("Bonower") to FIllST NLC FINANCIAL SBRVlCES, LLC ("Lendct") in the original principal sum of S 240000.00 heteinafter called the "Note". which Note is secured by the Security Instrument of ~ date herewith, hercinafter called the "Mortgage". which Mongage covers the property described as follows: SEE ATTACHED SCHEDULE "A" ADDITIONAL COVENANTS. In addition 10 Ihe covcl\lInlS and agreements made in the Note. the Borrower and Lender further covenanl and agree as foUows; PREPAYMENT. Unless otherwise prollibilcd by law, lhe Note may be prepaid in whole or in part during the first THIRTY -SIX MONTHS, provided a prepaylllCnt penalty equal to S%. ofthe prepaid principal balance is paid simultaneously therewith. Thereafter the principal balance may be prepaid in whole or in part with no penalty. CONFLICf IN PROVISIONS. In the event that any of the tenns, conditions and covenants contained in this Prepayment Rider sball be in conflict with any lerms. condilions and covenants contained in the NOle, lhe terms COnditiollS and covenanls in this Prcpaymenl Rider shall supercede and control those contained in the Note. accepts and agrees to the temlS and covenants contained in this Prepayment Rider. (Seal) CJf.~~ ,- ARY 0 S . (Seal) (Seal) fA PQ5il5 203t'7~ lHOMAS ror OCWEN Loan Servicing, .~ T C P.D. Box 24737 . West Palm Beach, FL 33416-4737 WEBSITE: WWW.OCWEN.COM OOWEN July 07,2005 VIA First Class Mail VIA Certified Mail (return receipt requested) Certified Number: 710690]7515108371600 Reference Code: 0507 Hilary Thomas 1059 C York Road Dillsburg, PA 17019 Loan Number: Property Address: 339978 1059 C York Road, Dillsburg, P A 17019-0000 PLEASE SEE THE ENCLOSED DOCUMENT 1~ r~ '."'.T" "C " '"f ii DACT91.6 , .. This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. I:or OCWEN Loan Servicing, T T r; Po. Box 24737 West Palm Beach, FL 33416-4737 WEBSITE: WWW.OCWEN.COM OCWEN APPENDIX A July 07,2005 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortl!al!e 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 pal!es. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (REMAP) may be able to help to save your home. This Notice explains how the prOl!ram works. To see if REMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF TRIS NOTICE. Take this Notice with you when you meet with the Counselinl! Al!ency. The name, address and phone number of Consumer Credit Counselinl! Al!encies servinl! your County are listed at the end of this Notice. If you have any Questions, you may call the Pennsylvania Housinl! Finance Al/:ency toll free at 1-800- 342-2397 (Persons with impaired hearinl! can call (717) 780-1869). This Notice contains important lel!al information. If you have any questions, representatives at the Consumer Credit Counseling: Al/:ency 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 INMEDIATAMENTE LLAMANDO A ESTA AGENCIA (PENNSYL VANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. USTED PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Hilary Thomas PROPERTY ADDRESS: 1059 C York Road, DiIlsburg, P A 17019-0000 LOAN ACCT. NO.: ORIGINAL LENDER: CURRENT LENDERlSERVICER: 339978 FIRST NLC FINANCIAL SERVICES LLC OCWEN DACT91.6 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. [Of OCWEN Loan Servicing,. . . r; Po. Box 24737 West Palm Beach, FL 33416-4737 WEB SITE: WWW.OCWEN.COM OCWEN HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE --Under the Act, you are entitled to a temporary stay of foreclosure on your mortl!al!e for thirty (30) days from the date of this Notice. Durine: that time you must arranl!e and attend a "face- to-face" meetinl! with one of the consumer credit counseline: ae:encies 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 agency listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of desie:nated consumer credit counselinl!: al!:encies 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 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 IMMEDlA TEL Y 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 you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) DACT91.6 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. [or OCWEN Loan Servicing, r T C Po. Box 24737 West Palm Beach, FL 33416-4737 WEBSITE: WWW.OCWEN.COM OCWEN 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: 1059 C York Road, Dillsburg, P A 17019-0000 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 3 payments in the amount of $ 1,596.73 from May 01, 2005 through July 07, 2005 DETAIL SUMMARY: Principal and Interest. . " . ... .. ..... . .... ... '" ... .... Interest Arrearage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. Escrow. . .. . .. . .. . . .. .. .. . .. . . . . . . . . . . .... .. . .. .. . .. . . ... Late Charges. . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . .. Insufficient Funds Charges. . . . . . . . . . . . . . . . . . . . . . . .... Fees I Expenses. .. . .. . . . . . . . . . . . . . . .. .. .. .. . . . . .. .. . . . . Suspense Balance (CREDIT). .. . .... . . . .. .. . .. .. .. .. Interest Reserve Balance (CREDIT). . . . . . . . . . . . . . . . TOTAL DUE........ ............... ..... .............. $ 4,790.19 $ 0.00 $ 136.72 $ 1,596.80 $ 20.00 $ 146.00 $ 109.81 $ 0.00 $ 6,579.90 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, $6,579.90 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by Money Gram, Cashier's Check, Certified Check or Monev Order made payable and sent to: OCWEN P.O. BOX 6440 CAROL STREAM, IL 60197-6440 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 mortl!:al!:e 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 mortl!:a!!:ed 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 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 ri{!ht to cure the default and prevent the sale at any time up to one hour before the Sherifrs Sale. You may do so bv payin!!: the total amount then past due, plus any late or other char!!:es then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sherifrs Sale as specified in writinl!: by the lender and by performinl!: any other requirements under the mortl!:al!:e. 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. DACT91.6 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. ,.0....................,. L....................] OCWEN Loan Servicing, T T C Po. Box 24737 West Palm Beach, PL 33416-4737 WEBSITE: WWW.OCWEN.COM OCWEN EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sherifrs Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sherifrs 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 servicer. HOW TO CONTACT THE SERVICER: Name of Servicer: OCWEN Address: P,O. BOX 24737 WEST PALM BEACH, FL 33416-4737 Phone Number: Fax Number: Contact: 800-310-9229 407-737-6300 Performing Collections Dept. EFFECT OF SHERIFF'S SALE -- You should realize that a Sherifrs 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 Sherifrs 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 X 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 MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOUDO 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 If after speaking with our Collections Representative, you still have questions or concerns, please feel free to contact the Ocwen Consumer Advocate by email at Ombudsman(ii)ocwen.com or by phone at 800-390-4656. (Fill in a list of all Counselin/! A/!encies listed in Appendix C, for the countv in which the propert}J is located, usin/! additional pa/!es if necessary) DACT91.6 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. ror OCWEN Loan Servicing, T T C P.D. Box 24737 West Palm Beach, FL 33416-4737 WEB SITE: WWW.OCWEN.COM OCWEN July 07,2005 VIA First Class Mail VIA Certified Mail (return receipt requested) Certified Number: 71069017515108371594 Reference Code: 0507 Scott Thomas 1059 C York Road Dillsburg, P A 17019-0000 Loan Number: Property Address: 339978 1059 C York Road, Dillsburg, PA 17019-0000 PLEASE SEE THE ENCLOSED DOCUMENT DACT9\.6 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. 'O'~ :.."....,............: OCWEN Loan Servicing, T T C Po. Box 24737 West Palm Beach, FL 33416-4737 WEBSITE: WWW.OCWEN.COM DCWEN APPENDIX A July 07, 2005 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the morte:ae:e 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 pae:es. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the proe:ram 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 Counseline: Ae:ency. The name, address and phone number of Consumer Credit Counseline: Ae:encies servine: your County are listed at the end of this Notice. If you have any Questions, yOU may call the Pennsylvania Housine: Finance Ae:encv toll free at 1-800- 342-2397 (Persons with impaired hearine: can call (717) 780-1869). This Notice contains important lee:al information. If you have any Questions, representatives at the Consumer Credit Counseline: Ae:ency 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 INMEDIATAMENTE LLAMANDO A ESTA AGENCIA (PENNSYL VANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA, USTED PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Scott Thomas PROPERTY ADDRESS: 1059 C York Road, Dillsburg, P A 17019-0000 LOAN ACCT. NO.: ORIGINAL LENDER: CURRENT LENDER/SERVICER: 339978 FIRST NLC FINANCIAL SERVICES LLC OCWEN DACT91.6 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. . "0" , , OCWEN Loan Servicing, T T r; Po. Box 24737 West Palm Beach, FL 33416-4737 WEB SITE: WWW.OCWEN.COM OCWEN 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 COMPL Y WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE --Under the Act, you are entitled to a temporary stay of foreclosure on your mortl!al!e for thirty (30) days from the date of this Notice. Durinl! that time you must arralllze and attend a "face- to-face" meetinl! with one of the consumer credit counselinl! al!encies 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 agency listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of desil!nated consumer credit counselin2 al!encies 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 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 you have fiJed bankruptcy you can still apply for Emergency Mortgage Assistance.) DACT91.6 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. . !"(Jf OCWEN Loan Servicing, "r; Po. Box 24737 West Palm Beach, FL 33416-4737 WEBSITE: WWW.OCWEN.COM OCWEN HOW TO CURE YOUR MORTGAGE DEFAULT (Brine: it up to date). NATURE OF THE DEFAULT --The MORTGAGE debt held by the above lender on your property located at: 1059 C York Road, Dillsburg, PA 17019-0000 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 3 payments in the amount of $ 1,596.73 from May 01, 2005 through July 07, 2005 DETAIL SUMMARY: Principal and Interest. . . . . . . . . . . .. . . . . . . . . . .,. . ., . . . . . Interest Arrearage.. .... ..... . ... .. .. ... . ........ .... .. Escrow. . . . . . . . ... . . .. . . . . .. . . . . . . . . . . . . . . . . . . . . .. . . . .... Late Charges........................................... Insufficient Funds Charges........................... Fees / Expenses.. .. . .. .. . .. . . . .. .. . . .. . .. .. . . . . .. . . . . .. Suspense Balance (CREDIT).. . . .. . .. .. . .. .. .. .. .. .. Interest Reserve Balance (CREDIT)................ TOTAL DUE.. ........ ...... .......................... $ 4,790.19 $ 0.00 $ 136.72 $ 1,596.80 $ 20.00 $ 146.00 $ 109.81 $ 0.00 $ 6,579.90 HOW TO CURE THE DEF AUL T -- 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, $6,579.90 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either bv Monev Gram, Cashier's Check. Certified Check or Monev Order made payable and sent to: OCWEN P.O. BOX 6440 CAROL STREAM, IL 60197-6440 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 rie:hts to accelerate the morte:ae:e 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 morte:al!:ed 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 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 rie:ht to cure the default and prevent the sale at any time up to one hour before the Sherifrs Sale. You may do so bv pavine: the total amount then past due, plus any late or other chare:es then due. reasonable attornev's fees and costs connected with the foreclosure sale and any other costs connected with the Sherifrs Sale as specified in writinl!: bv the lender and by performine: any other reQuirements under the morte:al!:e. 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. DACT91.6 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. [or OCWEN Loan Servicing, " . J Po. Box 24737 OCWEN West Palm Beach, FL 334J6-4737 WEBSITE: WWW.OCWEN.COM EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sherifrs Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sherifrs 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 servicer. HOW TO CONTACT THE SERVICER: Name of Servicer: OCWEN Address: P.O. BOX 24737 WEST PALM BEACH, FL 33416-4737 Phone Number: Fax Number: Contact: 800-310-9229 407-737-6300 Performing Collections Dept. EFFECT OF SHERIFF'S SALE -- You should realize that a Sherifrs 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 Sherifrs 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 X 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 MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IFNO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOUDO 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 If after speaking with our Collections Representative, you still have questions or concerns, please feel free to contact the Ocwen Consumer Advocate by email at Ombudsman\a)ocwen.com or by phone at 800-390-4656. (Fill in a list of all Counseling Agencies listed in Appendix C, for the countv in which the propertv is located, using additional pages ifnecessarv) DACT91.6 This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. " VERIFICATION Hana 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 Pa.C.S. Sec. 4904 relating to unsworn falsification to authorities. SHAPIRO & KREISMAN BY: !lana Zion, uire Attorney for Plaintiff Dated: 9 ....d8 -o~ C) ~ XJ D iq" (-... <=::> ..~.. r:::-:':J 0 -....-f..- CJ"t -n f ~ Ul r", i (/) :;:J fTl V< -0 fil :!J i",) r- ......... "'-.. l/1 U) f~? f0 ~ ~ -n ' l.J ...0 ~ c., _.r: ,f~2J ~ -.,. ,', ...(J p:! (;'~ (jm t 5;J "'() i'j ".~., U) ;:< ~ b J::- ". / . SHAPIRO & KREISMAN, LLC BY: ILANAZION, ESQUIRE ATTORNEY J.D. NO: 87137 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, P A 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-24715 Deutsche Bank National Trust Company, as Trustee for the registered holders of GSAMP Trust 2004-HE I, Mortgage Pass-Through Certificates, Series 2004-HEl PLAINTIFF VS. Scott R. Thomas and Hilary A. Thomas DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO:05-5097 PRAECIPE TO SUBSTITUTE VERIFICATION TO THE PROTHONOTARY: Kindly substitute the attached Verification to the Complaint in the above-captioned civil action. Respectfully Submitted, SHAPIRO & KREISMAN BY: " Deutsche Bank National Trust Company, as Trustee for the registered holders of GSAMP Trust 2004-HE1, Mortgage Pass-Through Certificates, Series 2004-HEl v. Scott R. Thomas and Hilary A. Thomas VERIFICATION The undersigned, an officer of the Corporation which is the Plaintiff in the foregoing Complaint or an officer of the Corporation which is the servicing agent of Plaintiff, and being authorized to make this verification on behalf of Plaintiff, hereby verifies that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the Mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief ofthe undersigned. 1 UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF PA.C.S. SECTION 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. -, ! -------.-- Date: q -3 O-os- \ \ 1 Name I Title: Com Loan: 339978 05-24715 ....., = c;.:.:J ..," -~ .,,- :2 \ v> ~, , -z -" --<~ o .." ....... if;f} "orn uS? j:~C) ~,i": :n 0"", :'':?n ...2 ----,\ ~- ~~ po -",j' -~ 9 <.Jl - " SHERIFF'S RETURN - NOT FOUND CASE NO: 2005-05097 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND DEUTSCHE BANK NATIONAL TRUST VS THOMAS SCOTT R 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 OCCUPANT but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE , NOT FOUND , as to the within named DEFENDANT , OCCUPANT 1059 C YORK ROAD DILLSBURG, PA 17019 THERE WERE NO OTHER OCCUPANTS. Sheriff's Costs: Docketing Service Not Found Surcharge 6.00 .00 5.00 10.00 .00 21.00 S~~ R. Thomas Kline Sheriff of Cumberland County SHAPIRO & KREISMAN 10/11/2005 Sworn and subscribed to before me this '-If<:. day of IU'-(}.<h~ / ,~, AD ~ ~ ...... Pu6th~ , SHERIFF'S RETURN - REGULAR CASE NO: 2005-05097 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND DEUTSCHE BANK NATIONAL TRUST VS THOMAS SCOTT R ET AL WILLIAM CLINE , Sheriff or Deputy Sheriff of Cumberland county, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon THOMAS HILARY A the DEFENDANT at 1716:00 HOURS, on the 10th day of October 2005 at 1059 C YORK ROAD DILLSBURG, PA 17019 by handin9 to HILARY A THOMAS a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 6.00 .00 .00 10.00 .00 16.00 :r';,;~t:~..:"",..r~'" ,f'!;;i"!;~ R. Thomas Kline 10/11/2005 SHAPIRO & KREISMAN Sworn and Subscribed to before By: ~;;:{~7/~ .. Deputy Sheriff me this '-if!=:. day of ~1l"H~~ A.D. fl 0 ~tar , SHERIFF'S RETURN - REGULAR CASE NO: 2005-05097 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND DEUTSCHE BANK NATIONAL TRUST VS THOMAS SCOTT R ET AL WILLIAM CLINE Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE THOMAS SCOTT R DEFENDANT was served upon the at 1059 C YORK ROAD , at 1716:00 HOURS, on the 10th day of October 2005 DILLSBURG, PA 17019 HILARY A THOMAS, WIFE by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 8.64 .00 10.00 .00 36.64 Sworn and Subscribed to before me this Ie '-/~ day of 1tc~ ~D ~~~ . rot 0 a y So Answers: r~~:~-Jt R. Thomas Kline 10/11/2005 SHAPIRO & KREISMAN By: ~V~ ~uty Sheriff .-., SHAPIRO & KREISMAN, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: 87137 2520 RENAISSANCE BLVD., SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 05-24715 Deutsche Bank National Trust Company, as Trustee for the registered holders of GSAMP Trust 2004-HE1, Mortgage Pass-Through Certificates, Series 2004- HE 1 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 05-5097 VS. Scott R. Thomas and Hilary A. Thomas DEFENDANT(S) 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~~ Attorney for Plamtiff DATED: Lj hDIU:04> ,. '-. ' . CERTIFICATE OF SERVICE I, Ilana Zion, Esquire, hereby certify that on ---.!:illbl ~~ 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: Scott R. Thomas 1059 C York Road Dillsburg,PA l70l9 Hilary A. Thomas l059 C York Road Dillsburg, PA 17019 SHAPIRO & KREISMAN, LLC BY: I~i:.~ Attorney for P1amtiff o ~ <. -rJ~; d) (:c, ~?-:c r tj1 .~ ~ ~(- ~~ 2:' =2 "" = = C7' ::lI: ". -< ~ :I! m:!J -0 r-~ :0 ") ~::~{ j :~r::a .:;>-.- i5~ 35 -< U1 -0 ::I: Cf! N (J1