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Home My WebLink About06-1853 UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOOD CREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@Udren.com Deutsche Bank Trust Company Americas f/k/a Bankers Trust Company, as Trustee and Custodian by: Saxon Mortgage Services, Inc. f/k/a Meritech Mortgage Services Inc. as its attorney-in-fact 1270 Northland Drive Suite 200 Mendota Heights, MN 55120 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County v. R. Marcus Shughart Melissa L. Shughart 24 Millers Gap Road Eno1a, PA 17025 Defendant(s) NO. O~ - /p~ C;u;lj-~ COMPLAINT IN MORTGAGE FORECLOSURE 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 GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. 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. LAWYERS REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 AVISO Le han demandado a usted en 1a corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de 1a demanda y la notificacion. Hace falta ascentar una comparencia escrita 0 en persona 0 con un abogado y entregar a la corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra de su persona. Sea avisado que si usted no se dafiende, 1a corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso 0 notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero 0 sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO o SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty A venue Carlisle, PA 17013 717-249-3166 800-990-9108 NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. UDREN LAW OFFICES, P.c. Isl Mark J. Udren, Esquire Woodcrest Corporate Center 111 Woodcrest Road, Suite 200 Cherry Hill, NJ 08003-3620 (856) 669-5400 1. Plaintiff is the Corporation designated as such in the caption on a preceding page. If Plaintiff is an assignee then it is such by virtue of the following recorded assignments: Assignor: Saxon Mortgage Inc. Assignments of Record to: Deutsche Bank Trust Company Americas f/k/a Bankers Trust Company, as Trustee and Custodian by: Saxon Mortgage Services, Inc. f/k/a Meritech Mortgage Services Inc. as its attorney-in-fact Recording Date: 6/15/01 Book: 677 Page: 1148 2. Defendant(s) is the individual designated as such on the caption on a preceding page, whose last known address is as set forth in the caption, and unless designated otherwise, is the real owner(s) and mortgagor(s) of the premises being foreclosed. 3. On or about the date appearing on the Mortgage hereinafter described, at the instance and request of Defendant (s) , Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned to the Defendant (s) the sum appearing on said Mortgage, which Mortgage was executed and delivered to Plaintiff as security for the indebtedness. Said Mortgage is incorporated herein by reference in accordance with Pa.R.C.P. 1019 (g) The information regarding the Mortgage being foreclosed is as follows: MORTGAGED PREMISES: 24 Millers Gap Road MUNICIPALITY/TOWNSHIP/BOROUGH: Silver Spring Township COUNTY: Cumberland DATE EXECUTED: 6/11/01 DATE RECORDED: 6/15/01 BOOK: 1720 PAGE: 124 The legal description of the mortgaged premises is attached hereto and made part hereof. 4. Said Mortgage is in default because the required payments have not been made as set forth below, and by its terms, upon breach and failure to cure said breach after notice, all sums secured by said Mortgage, together with other charges authorized by said Mortgage itemized below, shall be immediately due. 5. After demand, the Defendant (s) continues to fail or refuses to comply with the terms of the Mortgage as follows: (a) by failing or refusing to pay the installments of principal and interest when due in the amounts indicated below; (b) by failing or refusing to pay other charges, if any, indicated below. 6. The following amounts are due on the said Mortgage as of 3/21/06: Principal of debt due Unpaid Interest at 11.5% from 10/1/05 to 3/21/06 (the per diem interest accruing on this debt is $38.02 and that sum should be added each day after 3/21/06) Title Report Court Costs (anticipated, excluding Sheriff's Sale costs) Escrow Overdraft/(Balance) (The monthly escrow on this account is $226.70 and that sum should be added on the first of each month after 3/21/06) Late Charges (monthly late charge of $64.93 should be added in accordance with the terms of the note each month after 3/16/06) NSF Fee Expense Advance Property Inspection Suspense Balance Attorneys Fees (anticipated and actual to 5% of principal) TOTAL $120,674.24 6,776.55 325.00 280.00 298.44 1,730.63 20.00 56.00 31.80 (312.18) 6,033.71 $135,914.19 7. The attorney's fee 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 Sheriff's Sale. If the mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged in accordance with the reduction provisions of Act 6, if applicable. 8. The combined notice specified by the pennsylvania Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983 and Notice of Intention to Foreclose under Act 6 of 1974 has been sent to each defendant, via certified and regular mail, in accordance with the requirements of those acts, on the date appearing on the copy attached hereto as Exhibit "A", and made part hereof, and defendant(s) have failed to proceed within the time limits, or have been determined ineligible, or Plaintiff has not been notified in a timely manner of Defendant(s) eligibility. WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant(s) herein in the sum of $135,914.19 plus interest, costs and attorneys fees as more fully set forth in the Complaint, and for foreclosure and sale of the Mortgaged premises. vP!o Mark J. Udren, ESQUIRE UDREN LAW OFFICES, P.C. Attorney for Plaintiff Attorney I.D. No. 04302 "',1 ALL THAT CERTAIN tract of land situate in Silver Spring Township, CUmberland County, Pennsylvania, bounded and described as follows, ' BEGINNING at a point in the centerline of Miller Gap Road (T-594) at line of lands now or formerly of Thomal!! G. and Heidi L. Gilbert; thence along said line of lands now or formerly of Thomas G. and Heidi L. Gilbert, North 05 degrees 52 minutes 00 seconds West 204.50 feet to an iron pipe; thence by the same, North 15 degrees 06 minutes 18 seconds West 199.19 feet to an iron pin to be set; thence along line of Parcel 2 on the hereinafter referenced Subdivision Plan, North 15 degrees 06 m1nutes 18 seconds West 71.66 feet to an iron p1n to be set; thence along line of lands now or formerly of Oennis G. Horstick, North 85 aegrees 54 minutes 00 seconds East 189.95 feet to an iron pin to be set; thence along a 33 foot wide private right-of-way South 15 degrees 43 minutes 00. seconds East 335.09 feet to a co~er; thence by the same South 14 degrees 17 minutes 06 seconds Bast 203.36 feet to a corner; thence along the centerline of Miller Gap Road (T-594) North 80, degrees 12 minutes 00 seconds West 82.49 feet to a point; thence by the same North 80 degrees 15 minutes 00 seconds West 159.95 feet to a corner, the place of BEGINNING. CONTAINING a total lot area of 2.1546 acres, including the portion of said premises under and subject to the dedicated right-of-way of Miller Gap Road (T-594). BEING Lot 1 on the Final Subdivision Plan for E~sie I. Bordner, as recorded in the Office of the Recorder of Deeds for CUmberland County, Pennsylvania in Plan Book 78, Page 44_ BEING Parcel No. 38-13-0985-050. I BEING the same premises which Elsie I. Bordner, single woman, by Deed dated June 23, 1999 and recorded in Cumberland County, in Deed Book 202, page 748, conveyed unto Elsie I" Bordner, single woman. And the said Elsie I. Bordner is now known as Elsie I. Pearson. November 17,2005 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE Thi~ is ~n offid~' not1l"P that thp mortf9g~ on yonr homp is in (lpfgnltr :Inri the lentler int..nd. to for...,.o.... Sp..dti.. information ahollt th.. natllr.. of th.. d..falll1 is provided in th.. aUlI..hed page.. Thp ROMROWNRRDs MORTc;Ac;R ASSISTAN('R PROc;RAM (HRMAPl ml\Y hp ahle to hplp to S9VP your home. This Notice p~plgins how the progrnm works To .ep if HRMA P ..an h..lp, rOil mll.t MRRT WITH A ('ONSTTMRR ('RROIT ('OTTNSF.T ,INc; Ac;RN('Y WnffiN ~O OA YS OF TIm OA TR OF THIS NOTI('R Tab this Notice with rOil whpn yon meet with thp C:onnspline Aepn,.y The "gnu", ~1I1i1rpss anrl phone nllmher of Consumer Creel" COllnseJinf! A~n{'ies sp.rvin~ your County :Ire IidPrl at the encl of this Notice If YOII h3VP flny questions; yon mny {'nil the P..nn")'lvania ROII.iog Finan..p AWn..y toll free at 1_800_~42.2~97 rp..r.on. with impairpd h..aring ..an ..1111 (717) 7RO-1R691. This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDlTAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGmLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO OHOMEOWNEROS EMERGENCY MORTGAGE ASSISTANCE PROGRAMD EL CUAL PUEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDlMIR SU IllPOTECA. EXHIBIT A Page 1 ofl LOAN ACCT. NO.: ORIGINAL LENDER: CURRENT LENDER: R. Marcus Shugart M~li~~!!_L.SltulmrL__ 24 Millers Gap Road Em!!!!,J)AJ7!)~S-,--,-,- _JJ~2S2'4__________________ ,_S~OI!MQ!1g!!g!'J!!c._____________ J),!'u~lteJl!!!!"______ HOMEOWNER'S NAME(S): PROPERTY ADDRESS: HOMEOWNERDS EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOIT MAY HF 'Fl.I~lRI ,F FOR FIN A NCl A I, ASSIST A NrE WHIrH rAN SAYE YOITR HOM'F FROM FORErl.OSnRE AND HEI.V yon MA KE FITTnRE MORT~A~E VA VMF.NTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNERDs EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE DACTD), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOUR DEFAULT HAS BEEN CAUSED BY cmCUMSTANCES 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 FORErT.osnRE -- 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 Dface-to-faceD meeting with one of the consumer credit counseling agencies listed at the end of this Notice. TIDS M'FETTN~ MITST orrnR WITHTN THE NRXT c~m DAYS. TF YOlT DO NOT i\PPT Y FOR FMFRGFNCY MORTGi\GE i\SSTSTAN('F YOlT MUST BRTNG YOlTR MORTGAGE UP TO Oi\TF THF Pi\RT OF THTS NOTTCF ('AT T FO DHOW TO ('URF YOlTR MORTGAGF DFFATTT TO FXPT ATNS HOW TO BRING YOUR MORTGi\GF UP TO DA TF rONSTTMF.R (,REDTT rOnNSEUN~ A~ENrTF.S -- 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. Th" nem", eclclr""", encl t"j"phon" nllmh"r, of n~"len~tp.r1 c:ommmp.r rrp.c1it c:nlln,,~11ne ::Igf':nr.lf':" for thf': r.nnnty in whir." thf': prnpf':rty is )nr.:ltpn er" ,,,t forth et th" "nrl of thi, Notie". It is only necessary to schedule one face-to-face meeting. Advise your lender imm"c1iet,,'y of your intentions. APPUrATION FOR MORT~A~E ASSISTANrF. -- 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 Page 2 of2 face- to-face meeting. YOU MllSI FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN TIDS LETTER, ,FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. A(;RNCY 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 TIDS 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.) flOW TO ClJRR VOlJR MORT(;.A(;.R DRFAlJT,T (Rrin~ it lip tn date). NATIlRF. OF THR nFFAlll.T -- The MORTGAGE debt held by the above lender on your property located at: 24 Millers Gap Road Enola, P A 17025 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: M9ntbJyJ'aYillent'!!!f$1#],:z1fQl:_Sel!Wmbl'!:_1,2005J!!mN!!vemberJ,2!lQ5,,$4341.('i(j , MQlltbIYLateCbarge~_!!U(jl.!l:ZfQrSePtembeLJ.:zOO5tb1:RNQVl'mbl'rJ,2005:=$1~3.!l(j Other charges (explain/itemize): Other Fee=$75.00 Unapplied Funds=($236.66) NSF Fee=$20.00 ""',Acc!!!!l!da,t,ed,LaWCba!:gl'~,,$H7~.nn " 'fQTALAMOUNTPASTPUE; " ,,$51\6179 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do no! liSP ifno! "pplicahlp): !!/LA HOW TO CTJRR THR nRFATJLT -- 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 $51\61.79 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. P:1ymf':nh mw:.t hf': m::u-lf': p.ithf>f hy r.:l"h r.:l"hip.r', r.np.r.k- r.ertifif':n rhf':r.k or money nrrler m;u'1t,: raYRhle ;:lnrl ~~nt t(y TTclren l.aw Offic.e~r P C Woorlc.rp.d rnrporate Center 111 Wond'crp.d Road. Sniff> 200 Cherry Hill NT flI\Ofl~-~62fl Y Oil can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not I1SP if not "pplicahlp ): !!/LA Pag:e 3 of3 IF YOn 00 NOT CnRR THR ORFA TJT .T -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, thE> Ip.nrlpr intpnds to pxprcisp its rif}1ts to ~(,,(,:plprntp thE> morte~fP tlpht. 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 fnrpl'lmo:p IIpon yonr rnortl?'~ prllJJP.t1;y TF THF MORTr.Ar.R TS FORRCT.OSRO IWON -- 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 YOII cllre the t!ef'llIlt within the THIRTY nO) OA Y periot!, YOII will not he TPQllirp.rI to J)3Y Rittorm~y's feps. OTHRR T .RNORR RRMROTRS -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If your debt has been discharged in bankruptcy without your having reaffirmed it, then lender cannot pursue this remedy. RTr.HT TO CnRR THF ORF A TJT,T PRIOR TO SHRRIFF'S SAT .R -- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, yon still h"vp thp ril?ht to rnr~ thE' npf:mlt :Inti prp.vpnt thE' "alp. at :my tlmp. up to onE' hour hf':fon~ thE': Shf':riff'" SnIp Y Oil may do so hy pHYlnp: thp: tot::!1 nmollnt thf':n pa"t cllH~ pIns :my latp: or othf':r charEf':s thpn nllt" rp:lsnnahh~ :-tttomf':Y'';;; fpps :mrl r.m:ts r()nm~r.tf':c1 with thE' f()rf~d()sl1rf': ,,;lIp :mn :lny othPT rOlO:ts cnnnprtp:r1 with thp Shpriff's Snlp:::I<;; I';.ppclfip:r1 1n writlne hy thE> lp:nnpr :mrl hy pprfnnnine ~ny nthPT Tp.qlllTp.mpntl;; Ilnrlp.T thp. mnrte~~. 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. RART.TRST POSSmI.F SHFRIFF'S SAI.R OATR .. It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately Ii 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 THF T ,RNORR: Name of LenderlServicer: Address: ""Sa!!'QI!MortgageSeITice~" 4708 Mercantile Drive North ",fQrtWorth,TX?6J37..",," !l8!l-3~;;:3S(l~ 817-665-7750 ""(;,!I$tomeLSe"ITice,,, Phone Number: Fax Number: Contact Person: FFFRCT OF SHRRIFF'S SAI.F -- You should realize that a Sheriff's Sale will end your ownership of the lTIortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to relTlove you and your furnishings and other belongings could be started by the lender at any time. ASSITMPTTON OF MORTr.Ar.F -. You may not 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. Page 4 of4 NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. UDREN LAW OFFICES, P.c. Is! Mark J. Udren, Esquire Woodcrest Corporate Center 111 Woodcrest Road, Suite 200 Cherry Hill, NJ 08003.3620 (856) 669-5400 Page 5 of 5 VOTJ MAV ALSO HAVI< THI< RTGHT' . TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY m--p 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. CONSTJMRR CREnTT COTJNSET.TNG AGFNCTRS SERVING VOlJR COlJNTV CTJMRI<RT,AND COTJNTV CCCS of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, PA ]7102 (7]7) 54]-1757 FAX (717) 541-4670 Financial Counseling Services of Franklin 31 West 3rd Street Waynesboro, P A 17268 (717) 762-3285 FAX n/a Urban League of Metropolitan Harrisburg N. 6th Street Harrisburg, P A 1710 1 (7]7) 234-5925 FAX (717) 234-9459 YWCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX (717) 731-9589 Community Action Comm of the Capital Region 1514 Derry Street Harrisburg, PA 17104 (717) 232-9757 FAX (717) 234-2227 Adams County Housing Authority 139-143 Carlisle SI. Gettysburg, P A 17325 (717) 334-1518 FAX (717) 334-8326 Pa~e 6 of6 -;t- -'--, '-- ~.....J - \.~ ,,~ ~ \-S:--, ~ Q- ".~ P I~ ,~ I -..--J (::2 r- JJ , ----- c7 I ,~ ~ ~ '-:",..... P- S1d L. ----- 0 .--c _.----J --" ,~ c= u - ~ /j ----- '"- ------ c- (~ ----r- W / c---l /') 5:- ~ v~ . ~^_.... . dlZ 'a/l?Jg 'liK) ...._~nD i j'f'i'.n:S-J, -1-1\'inr-'T.:;7i-':;~-~;~'o~;; , -,. J \JIJl J IG :'ON 'JrJv 'JooJJ$ nF ,. ;5a\CY;::-"':=Y'" -YjS'Sni\X:r~;::~~ 0)~ $ saa,,! 'll a6e~sod lelo.l (paJ!nba\:lIW:lwaSJopU3) 0/,).:1 fual\!1aa pErl:lj.!lsaB '" '" co co co co ,J:; ,J:; "" "" W w en en co co co co co co co co .c .c 0> 0> W W .c .c en en 0> 0> W W '" '" 0> 0> ffi .~ OUUa<'3 0..0..:0 ...wog "'I-a:o uJ4:.....-) oa:ooz [L: 0 uu . u...o..a::;:\ oa:<.)- >oaI: :Soo>- ,....00:: ",?;a: Zu.> u.l uJa:"--I a:o::o Cl 0 ' ?6 0 ~ S,U r-'r./" '---fZ:-L..-r' OJ) (p8Jlnbsl::jlUaW&SJopu3) aa::!.l.deIOBl:::! UJnlal:! iiI,lElH :jJB'WISOd 00::1 pa!l!l18:) $ 8Eia~sod ( (pap/JlaJd' a6UJilIlO:J a:JueJnSUt ON !AIUa l!ew,:J/lsawooJ , .ld13::I3:H: ""'I\tll\l <EI:lll..H:3:O: l ""aO:!I\Jag; leISO'd:. 'S;IT ~ ~, Certified Mail Provides: . A mailing receipt (aSJ8111ii/:l) ~oOG' eunr 'OOaf.: WJO~ . A unique identifier for your mailpiece 11 A record of delivery kept by the Postal SelVice for two years Important Reminders: II Certified Mail may ONLY be comt)ined With First-Class Mailcl} ar Prlority M II CertifIed Mail is not available for any class of international mail. :II NO iNSURANCE COVERAGE 1$ PROVIDED with Certified Mail. valuables, please consider Insured or Registered Mail. a For an additional fee. a Return Receipt may be requested to prflvide praa delivery. To obtain Retum Receipt service, please complete and attach a Rei ReceIpt (PS Form 3811) to the article and add E\ppJicable postage to cover fee. Endorse mailpiece,"Retum Receipt Requested". To receive a fee waiver a duplicate return receIpt, a USPS@ pastmark on your Certified Mall recel~ reqUlred. . For an additional fee, delivery may be restricted to the addressee addressee's authorized aqent. Advise the clerk or mark the mailplece with endorsement "Restricted Delivery". J!I If a postmark on the Certified Mall receipt is desired, please present the 1 cle at the post office for postmarking. If a postmark on the Certified f receipt is not needed, detacn and affix label with postage and mail. IMPORTANT: Save this re.eipt and prosent it when making an inquir Internet access to delivery information is not available on mail addressed to APOs and FPOs. . <0 $ . .~ " . . 0 c ~ " . " Jl .-0 a . 2 ~~ '0 ~~ . DO . DO '" 0 .. 11 a d ~ 15- E ~ .. .. " . '" . ~ " ~ a; ~ E .c e ~ q ~ " ,g ~ E _ e a. Q) q I.:! o -0 g}~ ~ ~ ~a1 " !E ~ ~ l!! '0 . c 8J~ '0 'a. 'ffi :i "- ~ . -0'0 <D:::E 1ffi:i. 0 > '0 ~ . . o.-g " .c ~~ ~<;:::"* -g i -0 ~~r ~ . . > :?ocr.i .. . 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A record of delivery kept by the Postal Service for two years Important Reminders: " Certified Mail may ONLY be combined with FirstMClass Mai~ or Priority Mai~ ~ Certified Mail is notavailable for any cfass of international mail. .. NO INSURANCE COVERAGE IS PROVIDED with Certified Mail. For valuables, please consider Insured or Registered Mail. a 'For an additional tee. a Return Receipt may be raquested to provide proof at delivery. To obtain Return Receipt service, please complete and attach a Return Receipt (PS Form 3811) to the article and add applicable postage to cover the fae. Endorse mailpieco "Return Receipt Requested". To receive a fee waiver for a duplicate return receipt. a USP5$ postmark on your Certified Mail receipt is required. mI For an additional fee, delivery may be restricted to the addressee or addressee's authorized agent. Advise the clerk or mark the mailpiece with the endorsement "Restncted Delivery", . If a postmark on the Certifled Mail rec:eipt is desired, please present the arti- cle at the post office for postmarking. If a postmark on tile Certified Mail receipt is not needed, detach and affix label with poStag9 and mall. IMPORTANT: Savelh!s receipt and presant it whan making an inquiry. Internat accass to deliver, information is not available on man' addressed 10 APOs and fPOs. . '" ~ . III "~ C e (j) . ." 0 ~~ "0 DO ~ o <3 . 0 ~z 00 " ! " .'! o .0 0. 1> ." . > I >< IIi ,; " u I!! " ~ 'a' ~-ci e:5~ o e ID 0 o "cn.;::.>-~ O~.cg-ui ~(/)O"O"6;<:: .......~tf)"- E: rn"(:'!a ~ -t5 ffi -o~.c~jga. ~~"g_Q.)1l) ~Cl"CE-5al C\l "C C =' 0 a. .. ~ Q) ('1"'d)- III E (/) 1) Q)'" -o~ -g E:sEt:ijffi"E ~ Q) CIl ('1 0 U 0 ~ ;!:::. cg C Q) ,~.::: "'C $_~;:5~ ~ Q) ,- o........c.... "Q.;'<t ;... i;'I:l U!: '!l E E c..s Cll 0 13 0(1)';:: 0 jj... t: ():!::: 0.. CIl <: 0 ".; . . . ~ ~ ~ - . E J> :E ~ t ~ ~ :g . . ~ ~ . > p; ,," ] 2 ~a; ~t3 ",. !fl.: c + .....~ ~ ~ <-3. ~"--"'\ ? ~ (/.' Cf2 --' \ ---J .~ ;;J ~ ( -- ..: c;;;k . . is . ~ ~ . ::E 0 .2 C. - "w . ~ ::Eo: \II . Qj' e ~ q ~ a.~_ 0 e ai d '" o 0 l!! ~ .. ~ Qi 1ij 1i::E ~::E ~~ ~ ~ -g lD t:"ar::l 'lJ '~~.O:~ i ~ 00 a: M\.. <<i (-1 <c.::.t- CJ...- ,~ '::....-d LJ ,/ :.:.--- ~ --- .~ -< c-' .~ '--<\, .......\ C \.0 1--""- Y) c= ~- <:l:.. 0-' ,::::5 -;::s "'?<, G o . ~ ~ '" <;> ~ m ~ N " LI], <<) 1T1' <<)' LI] .:r 1T1, <<) .:ro. CJll CJ~ D.~ E CJil LI]O: en '.2 ....1\ E .:r <3 CJ CJ l'- ... o o '" ~ ~ a ,g "E ~ - ~ 11 E Eg ~. lii ~~ f~ N ~ ~ !Xl '" E 1; u. U) ll. V E R I F I CAT ION Mark J. Udren, Esquire, hereby states that he is the attorney for the Plaintiff, a corporation unless designated otherwise; that he is authorized to take this Verification and does so because of the exigencies regarding this matter, and because Plaintiff must verify much of the information through agents, and because he has personal knowledge of some of the facts averred in the foregoing pleading; and that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief and the source of his information is public records and reports of Plaintiff's agents. The undersigned understands that this statement herein is made subj ect to the penal ties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. \~ Mark J. Uare , ESQUIRE UDREN LAW OFFICES, P.C. 7J (:j ~ f A U( tl .U( l'--~ ~) ~ -., '- ~ --' G ~ =i i'" f'- fe,i -T' \; ......... ~ c'; f , , ~ - --, ?2 r) r-.) _J ----<.-/-........ SHERIFF'S RETURN - NOT SERVED , CASE NO: 2006-01853 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND DEUTSCHE BANK TRUST CO VS SHUGHART R MARCUS ET AL R. Thomas Kline , Sheriff , who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT , to wit: SHUGHART R MARCUS but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE NOT SERVED , as to the within named DEFENDANT , SHUGHART R MARCUS 24 MILLERS GAP ROAD ENOLA, PA 17025 DEFENDANT FILED CHAPTER 13 BANKRUPTCY. 1-06-00525 Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 13 .20 .00 10.00 .00 41. 20 4-. So ans County U EN LAW OFFICE 04/04/2006 Sworn and subscribed to before me this 111. ~. day of~ J~I., A.D. Prothonotary SHERIFF'S RETURN - NOT SERVED , CASE NO: 2006-01853 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND DEUTSCHE BANK TRUST CO VS SHUGHART R MARCUS ET AL R. Thomas Kline , Sheriff , who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT , to wit: SHUGHART MELISSA L but was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT - MORT FORE NOT SERVED , as to the within named DEFENDANT , SHUGHART MELISSA L 24 MILLERS GAP ROAD ENOLA, PA 17025 DEFENDANT FILED CHAPTER 13 BANKRUPTCY. 1-06-00525 Sheriff's Costs: Docketing Service Affidavit Surcharge 6.00 .00 .00 10.00 .00 16.00 q,., County EN LAW OFFICE 4/04/2006 Sworn and subscribed to before me ~ this )9 - day of ~ c}ll<>~ A.D. Prothonotary UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Deutsche Bank Trust Company Americas f/k/a Bankers Trust Company, as Trustee and Custodian by: Saxon Mortgage Services, Inc. f/k/a Meritech Mortgage Services Inc. as its attorney-in-fact Plaintiff v. R. Marcus Shughart Melissa L. Shughart Defendant ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 06-1853 Civil Term PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly mark the above DISCONTINUED WITHOUT PREJUDICE, upon payment of your costs only. DATED: October 3, 2006 (~ Mark~ Udren, Esquire UDREN LAW OFFICES, P.C. Attorney for Plaintiff ......:> ',,:.::;:::J ,;:!:..J CP o .--"-, ":-:~ - ()''I -0 _.::.~ - (.J) (..n