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Home My WebLink About06-3249 . . SHAPIRO & KREISMAN, LLC BY: KEVIN DISKIN, ESQ., ATTORNEY LD, NO. 86727 JOSEPH REJENT, ESQ" ATTORNEY LD, NO, 59621 ILANA ZION, ESQ., ATTORNEY LD, NO, 87137 MEGAN DR SMITH, ESQ., ATTORNEY LD. NO. 84047 3600 HORIZON DRNE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-26741 Washington Mutual Bank fIkIa Washington Mutual Bank, FA successor in interest to Fleet Mortgage Corp, 1270 Northland Drive, Suite 200 Mendota Heights, MN 55120 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY et-(J~'L Y 9Uv 1 NO: Ok. -3:<ClCf VS, Donald J. Karashak 520 Moores Mountain Road Mechanicsburg, P A 17055 and Stephanie Ann Kew 520 Moores Mountain Road Mechanicsburg, P A 17055 DEFENDANT(S) 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 ATIORNEY 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 INFORMATION ABOUT AGENCIES THA T MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service Telephone: 717-249-3166 Cumberland County Bar Association 32 South Bedford Street Carlisle, P A 17013 . < PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. . NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUlERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGillENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA YLANOTIFICACION. USTEDDEBEPRESENTARUNAAPARIENCIA ESCRlTA 0 EN PERSONA 0 PORABOGADO Y ARCHlY ARENLA CORTE EN FORMA ESCRlTA SUS DEFENSAS 0 SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA A VISADO QUE SI USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO A VISO 0 NOTIFICACION Y POR CUALQillER QUEJA 0 ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDERDINERO 0 SUS PROPIEDADES 0 OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE P AGAR TAL SERVICIO, V AYA EN PERSONA 0 LLAME POR TELEFONO ALA OFICINA CUYADIRECCION SE ENCUENTRA ESCRlTA ABAJO PARA A VERlGUAR DONDE SE PUEDE CONSEGillR ASISTENCIA LEGAL. Cmnberland County Lawyer Referral Service Telephone: 717-249-3166 Cmnberland County Bar Association 32 South Bedford Street Carlisle, P A 17013 . SHAPIRO & KREISMAN, LLC BY: KEVIN DISKIN, ESQ., ATTORNEY 1.0. NO, 86727 JOSEPH REJENT, ESQ" ATTORNEY 1.0. NO. 59621 ILANA ZION, ESQ" ATTORNEY 1.0, NO. 87137 MEGAN DX SMITH, ESQ" ATTORNEY 1.0. NO, 84047 3600 HORIZON DRNE, SUITE 150 KING OF PRUSSIA, P A 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-26741 Washington Mutual Bank fi'k/a Washington Mutual Bank, FA successor in interest to Fleet Mortgage Corp. 1270 Northland Drive, Suite 200 Mendota Heights, MN 55120 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: O~- (}t ~ ~ tffilft"1 VS, Donald J, Karashak 520 Moores Mountain Road Mechanicsburg, P A 17055 and Stephanie Ann Kew 520 Moores Mountain Road Mechanicsburg, P A 17055 DEFENDANT(S) COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, Washington Mutual Bank fi'k/a Washington Mutual Bank, FA successor in interest to Fleet Mortgage Corp., the address of which is, 1270 Northland Drive, Suite 200, Mendota Heights, MN 55120, brings this action of mortgage foreclosure upon the following cause of action: L (a) Parties to Mortgage: Mortgagee: Gateway Funding Diversified Mortgage Services, L.P, Mortgagor(s): Donald J, Karashak and Stephanie Ann Kew (b) Date of Mortgage: January 30,1998 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1313 Page 3456 Date: February 3, 1998 . The Mortgage is a matter of public record and is incorporated herein as provided by Pa, R,C,P, No. 1019(g), A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference, (d) Assignments: Assignor: Gateway Funding Diversified Mortgage Services, L.P, Assignee: Fleet Mortgage Corp. Date of Assignment: January 30, 1998 Recording Date: February 3,1998 Book: 1313 Page: 3467 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 520 Moores Mountain Road, Mechanicsburg, Pa 17055 and is more specifically described as attached as part of Exhibit "A," 4. The name and mailing address of each Defendant is: Donald J, Karashak, 520 Moores Mountain Road, Mechanicsburg, PA 17055; Stephanie Ann Kew, 520 Moores Mountain Road, Mechanicsburg, PA 17055, 5, The interest of each individual Defendant is as Mortgagor, Real Owner, or both, 6. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of January 1, 2006 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 7, The following amounts are due as of May 31, 2006: Principal of Mortgage debt due and unpaid Interest currently due and owing at 8% per annum calculated from December 1, 2005 at $36,77 each day Late Charge of $66.00 per month assessed on the 16th of each month from January 16, 2006 to May 16, 2006, (5 Months) Escrow Balance (Credit to Defendant) Accrued Late Charges Title Search/Report Fees Attorneys' Fees and Costs $167,760.62 $6,692,14 $330,00 ($255,53) $3,54 $250.00 $1,500.00 TOTAL $176,280.77 8, Interest accrues at a per diem rate of 36.77 each day after May 31, 2006, that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Mortgage, 9, The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs sale, Ifthe Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed, 10. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983,35 P,S, S 1680.402c, et sea" 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, II, No.6), 41 P,S, Section 403 et seq., and separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached hereto as Exhibit "B," WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in paragraphs 7 and 8, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Mortgage and for the foreclosure and sale ofthe mortgaged premises, SHAPIRO & KREISMAN, LLC Date: Gf-r11 ~ BY: f1!M/fdF A rney for P ntiff S & K File No, 06-26741 \ Jvn-06-1006 03,$0.1 FrOl\"' , \ 7-060 P.OOI/Ot. F-3.$ O!.JUiI I"A~~ A ,.. . 1313 3456 VA.(l-643643 . fl. <{ (, Aft;er lacor4lna. r.tu.rn. to: Il.\'rDAY ruJlDIIIG DIVII$IrIlD lllInGAIlII ID.VI<:!S, L.1', One won Flrn Avewo" 2nd Flr _ (-.AM"""""'~' PI 1I4~1 '~ . al !)Oe D.P~ r:r~:rld BETSY STno MORTGAliE NOTICE: TIDS LOAN IS NOT ASSUMABLE WITHOUT THE APPROVAL OF THE DEPARTMENT OF VETERANS AFFAIRS OR ITS AUTHORIZED AGENT. Pan:d Number. THIs MOll,ro.\GB ("Soc:wlty LutnPuelll") iJ &Mo. 00 JAlWARY 30. 111 B DOtIWl J UlIASIIU?;;d S'tEPIIAIUJ; jJl!I DlI f/ , The mortp&Or iI ("Borr......-). This Secunl}' r_ is ~ 10 lID&TGAG:1 SERVIClS. 1.. r. V GATD'Af J1TId)lIIG DIVUSIFIKD , wbichiaOlamiztdmduiatiuguadcrtll.llwsol COOllllDllw..lt:h of rooo.,1"",nia ,llIldwb_ Iddreas is One Woot First A_nul, 211d Plr Con_hoho.un. Pa 1142. ("Leader"). Borrower owes Leader the principa1.om at On. llwI.lre<l light, Fin rIlouaand Ooe Hundred &I1d no/100 5 DaIIan (U,S, $ 18 ,100.00 ). 11lls debt is ""bud by Bomwe:'s cOle doted th. ...... date as Ibis Secltriry t_("Not..,. whldt pIO"icIDo for 1Il~ p&)1IlO1IIs, ..ub the fIIlI <kbl, Ihol p0i6 wiler, Ibte...d payoblc OD nll11IUY 01, 2028 . na. ~ IlISlrlUlllatsecurcato Leaclor: (IJ the tcpa)'lllcntof tkdobt evidacccd by the NoR, witlllaceresr, IIId aU RIICW1ls, --Ioou I1l.d ..,nd;~~.... of tk Nlllz; (b) the pa)'IIlelll of 111 oIhef 1I1IlIIli, with lacercat. Id_ced UJUIcr parosrlpb 7 to prated W security of !his S01:UriIy Iastruntcat; and (0) the pcrformAAcoooC Bonuwcr'. (l(lYCIWlU and agrcc;mCllllUllcIot!his Soourity Iutrum,:p(ud the NoI... l'a<llllo purpmc. Bonower cIoc> bcrcby 1IIOITpSO, ....111I<1 coovey to LclldotthO tClllowiat dercribod prOporl~ located ia CllIIBULdD C;ol1llly. PcamyIval>io; IIIIIe T1D: S4)Dl rUlllSEIl IllU:CIl IIY DUD llATEIl 011 &Vl!lI 1>An. UIlItI1'r1l llR1l IlI'lDDEIl TO BE IIICOBIIED IIQf8DUTlI.Y mOll 1II1II'fO, AIlOIIG TIll tAIIIl IIICOJDS or CDllBIIILA1m COUIl'ZT, llo\S CIAll'l:E1l dII COtI'ftYKD IY JAll!S II lCARUI IUIlIlA J. lCARTIII IlB'fO IlOllAlJl J UIWIIlAIt an<l SUnutE AlIR UI/ TIll: BOJJ.tllIBl(S) IlIUIII. IN I'a. ml'lWlIE AtIN DV II ,5/"l whlc:la bas th. lllk..... or l"-.y\'lIJlia 170~~ PBlNlYLVANlA-Cirlgl_ FIIrnIIY"'FMIIA~C --- __1180 ~..wt"AI_'DJ.DI ~ 1.1 \WrMJNTDAJlIlO""-.OOIt'~". ""," . 1D01Y1PA.Ft"" 520 1l00llES 1I0tlllTA1It 1l.01Jl. ...."lIr."1t.:nllB.G (Zip Ola.J rPropaty Addrcso"); \Sh<c~ 0t7J. IIIIIIII :laht'ln. Vlow3 . 06I06t.C!~ ~:oo 2!i PM yo~ CC:.J~~ I..~. .. .......~. ct..:I.)J ''-Cl'' Jun-0&-200& 03:&Opm From- T-o&O P, 00S/014 F-34& 800[1 PAGE 3l~57 . 1313 File Number: 970309 SCHEDULE C AU THA r CERTAIN "act or Parcel ollond and premu/I3, siluole. lying and being in Ihe ~~rvicw III the CQun/yQf York and Commonweallh ofPennS)llvania, more partlcular!y defer/bed 4!I/ollows: According /0 a Pnliminary-F;IIol Subdivision Plan prepared by Whitt""k-/iarrm/ln, Engineers &: Surwyo,.., daled Oclober U, /988, as follow.., to wll: BEGINNING at a po/nlln the cellter /in" Qf Meere:S Mountain Road, L,R. 66001. said pollll beinz /lllhe dividing Iln" ""'ween LDI 2A al'tl/ [.01 2B, tire hereln-ducrlbed 'Qt: Ihence alonl: said dividing line South 89 defl1"ll8!J 52 mlllules 40.reccnds tNIst six hundred sixty-Ihrflc and Ihirl)/-One One-hulldredths (663.31) feet to //If Iroll pin; Ihenee continuing along laid dlYidillg line Soulh 2/ degrees 46 minuleII 458tcOl'tI/sellSI one hundred fljly-ninulld fifteen one-hundredlhs (159. /5) feet to a pipe; thence aloll' same South 81 degrees 02 mlllules 00 secollds east two hundred sixty-four and nine/)l one-hundredlhs (264.90) feel to a iron pin 01 lands now or formuly of Ralph Dillew: thellce along said lands now Or formerly of DlllolV Soulh 20 degrees IQ mlnules 15 seconds W/l3t One hundred and four one-hundredths (100.04) feet 10 an troll pin at lands now formerly of Jock LenA>>r; thence along said lands ""'" or formerly of LenJcq North 8 J degrHJ 08 mlnules OO""contls W&rt elghl hundred fifly-eight and 110 olle-/rrmdredlhs (858.00) feet la a point in the cenlet line o/Moores Mountain Road; Ihellce by said cent"r line North 38 tlegreel50 milTUles 40.,econtu west one hUlldred eighty-six and Ihlrty-eighl one-hpndredrk: (186.38) feet 10 a polnJ, the place of BEGINNING. CONTAINTNG J.378 ar.res (gro.fS). BF.1NG l.Q1 2.B as 8hown on th~ Preliminary-Filial SubdMslo/l Plan prepared for Jeffrey J. Trimmer and recorded ill Ihe OffIce afthe Recorder of Deeds III rmdfor York Count)'. Pennsylvania, ill Plan BookJJ, page 1 $. UNDZR A"D SUBJECT 10 a 35{001 building setback It1le alollg the southern, eastern and weSlem lot .'ines /llrd a 20{_ setback along Ihe northern dlvldillg line. "',!)fl.' view3 06I0S/20oo J.Oo 25 I"M YORK C".otJNTY . Jo"-0&-200& 03:51P1 From- T-D&D P.OD4/014 F-l45 . 1313 3!158 TOGE71lER >lllh an easement ill common With Grallton, their IfUCCtfUOrs; alld assllflls.for ingress and ~TtUs ofpmOJlS tuld WlhielQ to and from theo.bove..fIescribe'ri propuly. which easement is shown 011 that aullched plan marked Exhibit "A" as a 1 2-foot-wide drlv~y and a 32-fant-wflk ,1Ti~ I~ng/rom th~ 12-f0Dl-wlds driveway to Lot 2-B,! The rights and privileges her..in created shall e;:a~nd to th, Grantees. their heirs, e:cccuto~s. administrators. ~=ors. ".,rrgagees, unanu and osslfPU. Grantees covenant and ogrH that said rlght-of- wD)1 sholl be so lIS~d os not to interfere with Grollton 'flU and um/lterrupted IISe Ihe/1lof alld the Granton ' lIS' of their adjacenJ property. Gramon and Granlees, thejr ""'pective successors and os.signs. shall pay an equal olle-hal/parl of all charges and ~es ,iwhich shall from time 10 ttme aCCTII" for plZVing. amendi/lg. repairing, cleonillg and maintol/lin~ said pasSQK"ay. , BEING ,he same premises which Jeffrey J. Trimmer and Ru,h E. Trilllllle~ his wife. by Deed daudFebnJ4'Y 10,1989 and recorded February 19,1989 in the Office ~f'hB Recorder a/Deeds ,'n and for Y01* County. Pennsylvania. in Deed Book 101-J(, page 721. grflllred and cC'lIveyed unto James N, Mar,in alld Brrmda It Martin. his wife. RECOROER OF OEEOS YORl( COUNTY PENNSYLVANIA IllSlIIIIlIr ... 1'9'600686.8 ElIDO IJI F~b O:il. 1993 11.0G.Ce Rft tF1lJlIllti IOSIIIS tll.50 IIaIIIIlI FU$ In. 00 STAn WT TAX 10.50 TIlTIl. 139.00 Slahh..... Vt<!w,J. 06JQ6J2006 J 00 ;!S PM JCe.tU}nu.~ ~.Ia l"ortCo.ara~ ~ Be ......... ..~Jl.,~... 1:it.~......I~.~ (~ii)Jl .bf;)/ p ""<tiW~~ ~ ~ -.....,.,... ~ YORK COUN I Y 11111;: 'SliIaOO6868 - PIOI 3 T.oao P,006/014 F-i4S Jun-06-Z006 03:51po From- VA-Q~'4J64! ; ~l!!RWlIHoIIlh.iulpr~_(lr\. . ........sOlUh.propotty.lIIWIal1__opp.............;.... IiIlIIreI ...... .r Ureofto. a port Or lIle ~, All roploc:cllll_ ..d addllioas .baII also be ~ by lIois ~ 1DoInuae:at. All or 1100 ~;. ...fem:d to JIl this Sccurily Iulr.....CllI ..Ibe "Prupc:rq.,' tl Q'\ IiI01UtOV/J!R::OVSNANTSthat Born,.,.:,1& lI...ruDy sciood 01 the -bercbyalllV\l}'ed wi baa lhc ri&I>lto JIlCn/II&C, :l:_~ ~ ~~~~~ ~ ~ Ibe Pr"PC'tlio uaOllCUlllbc:re.lezccpl fO< c_brante.a( rcoord. 8<lr>tMr--. M - -........ ..--, ..... ll"" 10 ""'Pmpcrly q;ailut&llclaiJu IIld dClllalldt, 1Il~ 1011I)/ -br_ot-.s. THIS SECURfl'YlNS'mUMENTo:amblaca uoifOl1ll -..u (or aa!ionalwe ud OllIt-lIlIifOIlll_ 1ri!b Iimired varialioos by jorilcliclbt 10 COOItil\llc 0 uoifOlDll<<1lril)' i_III ~ real property. UNIFORMCOVENANfS.1lorr0MrlWl LcadcrWW:aOlllIlJd _.. foUowo; . CO') . 1. ..,...~ or PtfIId--' ...s ~ PnI~ ud Ute Cb....... lIot'ro1oI:r shllll prllIllptl)'.paj' ... ,"" IIle 5 - priadpIl of ad ',"crOll 011 !be dtbt eWdo-.l by the NOlO IIld aay prepaymCDt IUld lal. c:I1IIpo dua UlIdllf !be Note. ~ M Z. FIuodI t,,.. 'DIal aad -_ Subjcu [0 applicable law 0< to a wrineo WIl.... by t.e..dcr, BDttowet sbaI1 pay 10 - 1.c:adc:r0ll!be 40:, DlOlllhlypa)Ollelll..... due IIDdcrthe Note, urnll tile Noteis paid ill full, as..... ('Fliads") for: (a) yearly lUes ad W'....,..,el'u.~ ""'1 altaiD prioril)' CMt Ihis Sccurily IlIsrIWIlt'l1U alleD 011 the l'roperI)I: (b) )'Nrly lusclJokI paylDClllo or VOUlld..... 0>' doel'ropc:rlr. it aDY; (chearly .....,dor propc:r\l'u..uru<e~"';...s; (d) yearly 000<1 u........ceprellllUlllS, if auy; (0) yearly JllOItpC<: iIwu..... prollli,-, if iIIly; and (I) OIly ..ms payable by IIomJo<er 10 Lclldllr, "' &Q:Or........wilh tlIc ptoVisioos of ,...agrlpil8. Ia Ucu of lU paymClllol mOrl&JF l........... prcml_. Tbcae itelIIll... c:alle.s'1!scrow 1'-.' l.eDdt:r may. at O:'Y 1iDlc, ...u..x lIIIll bokl Ponds 10 a. ....0IIII11lOl1O -.I tile Dlulmom "DlOWlla kDder for" tedaaIIy related Dlotlpg<> loan may require for BlXTOwer'S .....uw aCCllIlll\ WIder the fMcrli ll.eaJ llftalllS<lIlcaIcIltP.--cI""",^", of 1974 aallll..dedl;'OIIIliaol. time, U C.s,c. Seeli.. 2601 ., "'I. ("RBSl'Aj, IIIIl<:u IlIOIIwlaw that applies \0 lb. Puuds ..ra a Jeuer ....o'u'l. If so, Lcndet may, .. IllIY tUnc, colIctllDd ilold Punda.. III OlDllUl1\lIot 10 _cd lho lesser 1lIl10Wl1. LeatIor may e.:Ilellle ....0uD(q( f'unds d.. "" rhe bllSls of CllrfeDl GaI1lOlld tea'loaabJeOSlioaI...r expcaolilunosof future Bscrow It.... ar o~. in .ceordao<.: witlo appJicablo law. The Full. sbllll he IIoId in OIl loaIilllli.. 'IIl'hOllC deposits are "'"wed by . federlll .ooy, InsU1llllCDIalily, or eutity (\adutll", Lender. if l.eoolcrls suclIao ioslitoliaa).,. U1111)/ PedmlROlIIcLon Baal:. l.oadorsbal1apply lho Pw>ds 10 pa~ Ihc &cro1o II..... Leaolcrlllay 1101 charp 80_ ror Iloldloa audlJl\lbilli 1ht F\uldt, WlIlaIIy UI&IyIina Ibe __ .......,~ or ~ Ibe Ilac:tOw II...... IUIIess Leader pa)'lllor1'oworiDlcroato. lilt: Faads and apPlicable mr pcl1IlilS .....oIoclo makelllCh . ebatBc. li_, LelldorDll)' loquircl1oJToww 10 pay a aoe-rkoedwco for III !adcpcodoolrQ\ CUlolax reponiq scni.. osed by .....w is> llOIlDoaioa wilh IIdti laao, ........ applic:able law ptovldca olIac:rwist., Culcaa III ll&fOCII1Dal Ii _do at applicabJl: law n:q".... io\Ull&tto be paid, l.eDdor shall DOl be ""IuitedlO paylloltllYiCr"Y latcrestor....... DIllllc Puads. lIonowcr IAClIad::UOIYIIll<De ill wriliDt. ~. thal Io1000000a.0II be paid ...lho FIaada. UDder aboll gM: to Bolr........ wlIIlo1ll cIwJc, ......uaI l<CllUIIIiaa of floe PwIdI, aIlOtrillc en:dits .... dobill to IIIe I'uads ud the pIIl'pDIC for wbicII eadl doblt to lho Puadr.... mlele. TlIc fuads .... pJodpIas additiona1Ie=1l)' for all SUDlO 10cure4 by thia '"wily Iasaumenl. Illho l'1IDd& bcld by Lcadot -.l the aDlOWlI.pelllliltodto be bdd by app1lcabIo Jaw, l.cader sbt.II _to Bolrawer for tlIc ___ i'IIllIIo, m ac:coroIMc:ewilh the requitemeD\5o( Il'pIiQbIe law. If Ibe amO\ll1lof tbe Plmds boW by LelKIer al .,.,y llIoeis DOl ~..!""11O pay tho: Eacrttw IleJlllwhea clue. Le.1Il8y so IIOIify Bonoworm wriliDc. ...<1, iD IUd! CUI: Bonoom: shall pay 10 t.elIdcrlbe amOUll\aecesary 10 ... op tlIc d4cic:D<y. Berro- ohaIl make lip the clcficieocy in DO more Ilwl tMhoe 1D0DU!y paY"<cars. allade>'. aolo clis<;relioD. Upoo payo>eol ill r1lll of all s.ms ~ by lIois Sccllril)' IaslrIImeal, Lca4er aIlaII prDlIIptly rofuod 10 1Iorr0WlllllD)" FuIlda bcld by weier. ~ UDder parapapb21, ladcrsllaU aequitcor aclllbe PtopcJ1Y, .....der. prior to lbe ""'luioiUOll or aalc of the fropcrty, IbalI apply any I'wada held by Laldo. altho \ilne of aequisllioa nr wit as a credit agaiosI: \be.UIlR """'"'" by IIIis SOCIIriIy lllilt1l1lDllDt. 3. Al>......- Itl1'a)moata. U_aJlll1lcablclaw provld.. olherwisc, aU pa)'l<lCDrateo:clvcdby LelUltrUlldetpatasraPbs I ...d 2 .IWI be applied: flnt, to oay ptOplIYDl.JItohotl06 due ~ 11Io NOlo; acI:ODd, 10 amount. payable lIDoIoc patIjp'Oph2; 1lUrd, 10 mlCrC6\ doc; fourth, 10 priadpal due; ODd Iu~ 10 11I)/ Iale cbaracs duc uodcr the Nole, 4. CIwps; u.... Bolrowef sIlllll pay aU I..., "'CaaDlCllla, diarp, lioeo ODd ItopoUdOll5 atlributablelo !be Property which lllOy alWIl pm.my ove' this SIICIIriIy IlUlruIIlcDl, and Ioaoebald p~en!$ or ar01lDd....1a, it ...y. Ilarro_ ohaIl pay lhool:--l>1lgiori"",iD ll>nlanncrprOYldcdio paneraph2, or If lI<Jt paid ill cIIat__,BOITowcrsbal1 pay 1......ll!lliaedirc<lly lDtIlepcz:soo0Vtr4 pa\'DlODt Borrowersbal1 pr....ptq fIII1liaIllo l.cDdcrall nodCClof ODlO\IJlUIO be paid ulIdo.this panarspb, I!B.A.~.." makes w* pay000.>C4 dirccaty, Borrower ahall prompUy IIuDish 10 LeDclcr n:coipu erideac:iq the payo>eou. Bon-.,.....aIlllll promptly diIdI_1II)/ ,.... wbJcb bas priority over thia Scauity blnlmeoIlllI1eso Burrower: (aJ.eeo io wrIIiDg 10 tho payJllCDl ofthe obUpdao. $CQU'cdby tho Iie4 ill a .........._ptablcto l.eodcr; (b) ClIlUC61S in Rood foith lhc Ilea by, or dcfRols ....t Cllforccliu:lllof the Ilco ia, lcgat 1',."",,,"1.. wblch ill 1M LeDdcr's opIllioo operate 10 .........11h. ODf_catof the U",,; or (OJ IO<1ItCI from \be bolder or rh.1ioa ... _-",.~"...Cl"'Y 10 Lcadcrsubot<JioatiatllD liq to lhiII SD<lIril)' lD<lrUa\e&>t. If r-w detllRlllo06tballlD)" pa<t of tile l'rapcrty is oubjca to . Uen wblch Ulay atl.aia priority over rlIls Sccutity 1rIsI.....""1, Leod....ay pv.. IlorrowtT' DllIlce idealif)lDf; rhe Iico. Bo<tvo.<l:rsball satialy ",,", lien or cake 0Il0 or UlOIO of tIu: .ctioas .or forl~ .bove withlA 10 da1l or the gMag aC DOli... ....._'O.'~ 1" , _oIV(PAltM'OMl'1 r...ZIt, ~ IGOMPMno ~ I ;lllIIOl' VJew~ O6IneI2DOG ~.oo '.5 I'M YORK COUN7.... T-06O nOT/oil F-341 Jun-Oi-200i Oi:l2l~ Fr..- U....i...l f,",~... . I 3 I 3 3 460 V4.C.643m $, Jtazu.d Or ~ .... ~.. ""'- sIIoII keep tile ..._..... _ eoiodDc or bmaftc erectod IlII IIIe I'ropcrt)' IIIIuted ...-.... by lire, _.......do<1 wiIIlIIl 1110 _....... ..-.p' aad my _....... ~ tloods co' ~ (ot IliIid1lcade"cquires~ Thio ..........lhalIlIe ..alolalocd.. the lIlIOlIIlISaacllior tile . that Lmler rcqlll1'CI. TIle iuur.... curi............. tho ............... lie ell.,... by B......... ..bjccl to Loudcr's-= ~ 11>011 DOl tJO ......-.bIy1Oilllheld. If BaIrower r.iJs to toBlAIalJ>......... dcsaibod .1..... lader ".Y IE LoaWs op-. obloIo ..,..,.~ ~o pro/cd Lc.aW, ripls ia Ih.l'nlpcrly in ~..... _apIl7, . AlIlaa_ poIicia ..d ,-wall ,baD lie .....puble to LoIIdcr ad _ iodudc . _.......,. douse. I.=dor ~ '-'~ripl"'boldthopollcleo....~ II Loadurcqalros,llonavoocrsballJllOlllpllyp.., '.lAuIoroll......,..or pald '....8....11II4 "'~ IIOIbs.ID tbo _I vllaa, 1Ion"""'.baIl... l"OOllptsalico to tile m-<c _ad Lcordcr. Laader ....y... proof of.... if --*... pr...pa, by Bunowot. UoIc... LcIIdor aaclBorrOWU..........1II wri..... ins......,.-ohaU "" app/Mld1D _..or repair or tile Proponydamacod. illherootontlmu>r tt:pairis _ical1y .....ibIc..d I..onder"s ecuriqI is aal-.cd.lf tIle..........or repair II ull..............Ily!oasi>1o or l.ouder..lICCllrity W<lIII4 be Ieueaed, tbe iuur.... proccod....U lie apPeclto tile ""'" lO<ll/1ld 1>:' this Securily 1llsI:nm0lll, wbcdltr or aot lhea clue, Mth Illy _ paid to ~, If -. ......' - tile ~. or doot ..t...._ witIIia 30 dayo .1lOlieo from LaadortlWlbo u.-.c _ baa oIlon:d to oatde . claim. tIleD Loader..1)' eoIIc<:llilo ia_ ptocoeds. Lc.ader may _ tbe proccods to repair 01' mrorc tbt PropeI1y or co pay .- -.red b,. this S....,;ly -<At, .w.~.. .01 dIon dIIe. Tbo 3(klay poriod will bc:P wilen tbo ..dce is,;-, UII... Lender IIId _ Olhmrise qr<< ill ~ Illy applicaIioa of prococck lD priI1clpd .au 00' _d .. pOllJlOllO tbe clue 4otc: of .he -lW)! payoI""" referred to ia porIII'ap..t IIIl4 2 or dwtge tho 1IlI0DII/ of the pI)lDCllll, If _ par.-"211l1e Propclty is I<quirtd by ....der. Bonowcr'. rlcbt 10 Illy laa.....ecpoliQoo .... p_r"lIlllnI from claIo'Pto !he Property prior 10 Iht .RjUioilioa.uu ..... 10 Laadcr to !he"'onl vllho.UIIlS ~dby IIlis Socurlty _..t __ly priOJ to th. ""'Iulsitio.. 6. Ooeupolllq, ,,-...ua-, ...,_.~-..... ............. or 11Io ~ _. '-" A.pplk:alIosl; ~4a, Bon:..-.IIalIOCC\IIlY, llO\&bIlr.lo, ....1lICthcPropcny.. a___.priDdpol....d.-wiIIILo IiIty days tfta-lbo.....lionul this SocariIy _and sball CODllo.. \0 occupy llIo Prupony.. Borr.....,.i prilldpal ROldasce lor 01_ -)':It at.. tlIo dat. of """'JIOIlOY. uoh:so Lc.a<lor otlootWo qr... ill wririd& ....... ........ sballlIGl ~ _oaaJ>Iy~ or llIlIass _~ cir,,'~".-- Cllist <IdIich ... boyoaAI --... _L Ilorr..-....q IICll doatroy, ........ or lapalr tile Propelt\', .Bow the I'ropctty to 4-...,.. .......It _. ... tho Propr:rl)'. Barr........au be ill dd.uIt if 11I'/ for!c:it1R aoli.. or ..~ ...... c:lvil or erimina1, i5 bqoa lbr.t io l.codoT. &ODd faith jo.."", c:oaId rcoult ill farfcItun: or Ill. Propotl)' or othcnUcmatorially impalr tbe liea crCllOdby to Socurlly I............ Laadet'......,;ty iatotcll, aorrow....Il>Y can: ..elI . clefault aacI soIaatIIc,.. p<o>icle4 ill ~18, by cauaioglho llCllQa or p. 0" ~"gIO ~ olisaJ;-llrillo . ndloa: tIIII, in Laldcr's JODd faith clclCI1IIhoalioo, prod..... fodell... of .... So..-. _In .... Propony or odw DIlcrial IapairmOOl of tho lie. en:aWI by IIIia Securily lu_or Lendc:r",1<CIIriCy inweBL lIon"owo,sbaII sbo be III dcfulI if B....- 6"""'......... Wi-Mloo pi.......... ......wJy raIoc or inac:cunleioformoli'lol..II>lo:..o."'o Lceder(orfalle4 tQ~ I.....witb Illy ..ltICrioIiofornIaljoo,)iIl ,,-,~iooYllth ...... eti<Iooad by ""'Note,.......... bucllCllllmilz4 to. fOlK"I<l<~........Ilorrowt:t. """"JlOll<Y of lh.p,opcrty.. . prindpal rosl<loacc.lf dllo Security IlIsInImc1Ulo 011. Ieasl:hold, 11a..~ IlsIIl _ply willi .n tile pnMsiou "'the "'- If ~ "'loiros f.. tide to tbo Proporty, tile loadlol4 IE'" Illtr..liIIc obsII DOt mer.. ....l.ouder..... to lbo "'"'IF ill wri... 1. ....:ecdoD or IAHen IIIpIa ladle~. UBonnwerfails IOpodormtlle..-ot........................... IIIia _ill' Ino~eot. '" lhcrO is . Jocal proa:odlogdl&lmay .iplli<udy _ 1Mdc:r'...... in IIlo Property (adl.. . pr~l. baDknplCy. probate. for """,.m.~tlnnor &.<feil_or to ..ro... _ ... ,..ti<na), tlloII Lca4ctmay 40 ad 9'Y for w1u'.....;" ........, to prlII8d Ibc va1uc oftbe PropcrtJ aacll.ea4cr'. ri&J>Is ill the Propetly. lader'..criau ..ay iocl1lcl. payiD8 11I'/ ...... IOOlIlOd by . lion Qic:h .... priority .... this Soouri\y 1_ .ppcariDJ ill <Outl, p.y;., _ablo.\IorIlCj'I' r- and cotcrin& oalhc: 'ropeI1ylo Illab repair>. Althoap 40Idcr ".Y take:u:\itl. wuler dlis (lll'llrapb 7, Lc.ader &"''''''_10 do 50. MY ...0\11II. dioboanod by I.<ndor lId4cr Ibis p~ 7 shall _ additional deb! of Borrower _ by !his Seeority 11II\.......~ U... S......... 0IId Ia4cr ....'" ather to"", of paynl"~ these __ oball....r...._ l"..lbo dato of diJIr__eal.1lhc l'Iol~ ntolDll sball be pa,.b1e. willi iIllUDll, lIpao .01k4: frOlO Lender to _ ~ _onl. .. M....... W-. If l.cIIdo%rcqIlin:clOlDllpp............... CllIIdltWoa of maGna !he"'" occuroclhy !his Socority IoItnuo.... :Ban..... olWI \IIY lho proml.... roqIlirod to .....1... . ~ iruarance ia e<<ea, II; far 11I'/ ....... lbe lDorraaacio.__'Prcqalro<1by Lc.ador~or .-to be io .lfed, B.....-clIII1 pay lb.pr.mi....rcqllircdto obWd """".... .......",ja1Iy eqlllYlloJd to lhc """PI< "'_preWJlUly io clfcct, .1 . .... JUb>lBUtiaIJy equMdonll. Ill. "'" to -.,.... of lb. .......,., iosonou l""...o..ly io effoct, flam '0 sllorn..o..o,,- ....rcr .pproved by Lender. U .1IbslaDOaIIy eqoMJe..llD..... ................11 tIOl8Ylilablo, Borrowo, _ p.Y 10 LcotIer..<h tnoslb. .... equollO .....lWdfdaof lhc )':Itly lllDrfp&Ieiasuruceprcml....boiDapllcl by B_...... tho laaOllll,"cuvense IIpscdor <CIIodlD bolDelfod.l........wlIl.a:cpI,.......reIIiIIlhesopaynu:n'........ r*~in Uoo of......... iosut...., l.oos reserve _4YtJIIAIINHlf..ol tODlV'll'A..frM .....""". -~ - -'-_.. --- Stillion, V~3 . 0!t0rat2~ 3 OO'~ PIA VO~K COllN1 Y IMI . 1991lOOSB68 . r'9' s ------ toIlI~.I"ew:!'..':O''2.'2:::O;s;~~.P1J ~.~(, ~~Nry Jun-06-Z006 03:!Zpo From- T-060 p.ooe/ol. F-I41 ~UIJF\ 1313 I'Al.it 3l.62 VA-G- 643543 11. 'D:luuI'o. or 11II 1'........., "" I ..1IdIeW .......Ia Bu.._.. ifill 0&' uy part of lhcPropetlyO&' 11III)' iIlIaatill il is, 0014 0&' trPoferrecl(ar if 11ic:xticjol imcrcalin Bon",,",;' ooIcl or lI:....tcmxlud ~;" aol.1IIlunI pcr_) wilJIoal Lolda's prior "riltml -I, Leac1cr "'Y. at ita opliaa, r~uire iIamcc1iala poymealln 1\1II of 111 _ KaIlCCIIly IIIis Secarlly lisIruaI.llll. 1'1_, lIIis opUDIl shoIIllOt be -msecllly Loader If aercisc io proIu'biteclhy fedel'oIlaw as of die dale oflhisu5r~1.!1I~~L . ._A. .L.n' B - ol"-.'-~: ~- . .L_" _"A_ pcriocIof .._.....oplIOI; .................lI've urruweraolicc ...--.wOll. ._nOl_...... p.......... IIOl Ias Ihaa 3Q ay,. &ClIIIIhe doll: !be aalioe is cIelivered or IIIIiIcd Mthin which Bonow..-..ust poy 111 smal oecurecl by IIIis SecuDly _oat.U Bon_fails to pay lheacswas prior 10 Ihe ospin!iDll of Ibis poriocl, LcIlcle....y blvoke lilY rellledioo 14 ;,oM ~ Secarily _..I wiIbOut fIIrlhc. oalla: or cIemud OIl Borrower. l8. .... . 10 ....te. U llorrowet _ cetIIl4 coacII1ioDs, Borrower slaall have die riabt lo _ ..4u. -of lids Security 1aslnua0Dl d'v~...lIeCIlt I1>Y lbo =!be evIier 01': (I) S cloys (or saoll ..u... pcriocI as .,,_h1~ low all.)' spdfy lor ""...,te-''ll)beforc saIo of tho JIUI'II8IIllo uy f'!'WCT ar uIc COIIbiDed ia IIIis security 1lIsIJma00000or (b) Htry ar .Judpleateaforciog this Scc:urity cat. n-ooaclilimIoreIholBomlwer: (.).PI}'S ~ 111 SlIDII which llaCa...ouIc1 be doe wuIcr this Security I_aad!be NOIe as If 00 ~entioalwl uc:c:wt1Id; (b) c:ares oay ddaul t of oay other ClMDDIlII or ....-.e.ta; (0) eespe..... ilIourred ill eoforciag this Set:urily IIIsIrameet, i&IdlIdiaL bUIIll~ limited 10, r_bIel/lOt\lcys' f...; IlI1d ( tab:o..oo adica u Leac1crmoy relSODlbIyrequil'e10 _ 1IW the lien of II.. SCClIril)' IllliInbaClll, Leader's ripts in 1M ...d Borrower's ohllulioa 10 I'"y Ibe 'WIl& ICClUlld by rbis Sccarity In_COIl.ha11 COIliDuc wu:IJaased. lJ~ reiallwement by Borrower, Ib;s Security IIIItnIDwIlIllll !he obIipIi_ _eel hereby sIIII1 .emai~ fully offOClive as If DO aceeleratiOllbad OQ:unod. If.......... this rigbllo reiastaleshall aoIap~y In Ib..:aso of oeeoIorotloJ.lIlIder p..-ograpb 17. 1;. SaIa oI~ No... CIooap or Lou SonIeer. The NOUl or . partial ialer.1t in !he Note (losetbu with dUs Soeurity lmInalleGl)may be ",Id Olle lit more Iimoa with"", prior aotlca 10 Borrower. ^ sale lilY resulllo a cbaD&e lrIcbo OIItity (lcaOWR II the"Loall Serlicct") thal colIcd.I maat&ly I"'ymnq due \llldot dle NOlo ud Ibis SeeQtity InstrumenL Tht:ro IlIso "'Y Dc _ or more ~ or the Loon Senieer IUlRlatCdto . .... of the Note. It thor.be orlLe LoaD Sem...-. llortowawiD be ~ wriltco.POIleeof thew.iucc:ordsa.:cwilh parlIT.phl4 abaveud low. The-a,.;Jf Ilatethe.....e...d addrcas of die DCIW LoaD Sonia:: ud the addreas 10 wl1ich paYll\ClIlIsbould ....de. The Dotlee will 0100 ClDIlt.Iia ...y other wonaaliaa reqtired by oppIicsble low. %0. Rullrclolll 9.,,"_ 8orrowu shaD aOl eollle or pc:naillhc preseaa:, use, cliaposal, _..... or re~ ol....y Kazardous SubcI_ OIl or Ia !be Prupcrly. Borrower abII1 Dol do, oar oIlow IllyoIIlI eIso to do. 0IIYlhiu& all'0Clias Ibe Proporty thal is ia vio/alioa of ...y BavimIllllClllll Law. The prec:cdiaa twO ...1_shII1 DOl apply to \he p~ laC, or IlOrIp 0Il1be P1,gpeny of SlllII1 qulDlllica of H-.-d....Subst"""". thalore geaerll1y ree<>pizcd to be opproprilteto nonaoJ resI~ml,l uses l~ 10 IIlI1atelIIItOc of the I'l'OJ"'rty. IIlIrruwe< ~1Sptly gM Leader wnllao noliee of In)' iaveslipll. . . oa, dalIa. dClllaad, I.....il or other action by ...y 1~..~t.1 or r tory.....<Y or privalcplrty Ia'lOMDg Lbc l'roperty ud uy HozarcIoasSulJdlDcco.l!IwIroDmallslLaw Of 'IIIUdl Bern""... AClUIIIosc>otlccl&e. If Bofl"OWa leoras, ... is Dotiliecl by oay govenuaaatal or nlJ!Q!.olono I\Ilborily. that uy fClIlOYal or olber n:mediaIiooof 1B1.~~II$Subolaaeeall'edia& the I'ropcrlYls necessary, 1l0rroweu&.l1 promptly lake on -.ry reuleclia1 .ctiam in IM:ClIl' wkh Ilavlroamelllol J..nI. IV; used In lids -"i!UO. ~'K.....dous S\''''I,.-,' ~ lIIose IiUbsllmaoa deIiAecI .. Iwcic: CO" IuIzordall$subswu:cs by &vIroa....loIl.... aM !be 1oUowias s1lbstlaees: psoIiae, kcroI=e, other I\aauaoble or IClllle pctro....... ~Ilets, 10llie ~cillt.1I1d herbicides, Yvlalilc IOMow, IIIIIerio"Cll~ ube8losor ro,........'IYde, aad radioatli.. moterisls.As -...I ill Ibis por&crapb 2ll, "&viroamcataI La.... .._ feduo1laws IDd Ia", of the jllrisdfotiOa wbc.re tho Property is Ioeolcd thol RIIti: to IM:aItb, IIfd:y or ...;,...,......1 prolecllon. NON.llNll'ORMCOVENANT5. llonowwudLeaderfunbu__aadocreau follow;: n. AcaItI,,_"'edIu. Loadu....p..aotket......... ......t.MdIontlollhllOlllall............1owch of ""1 """'11': or ~I Ia tills Seclrit)' Iutn_l (Ml .01 pri.. 10 - . -~-- -- .r:::r.~ 11 1llIIcn aJ1lllk:lb'" .... lromr.. olbmolle). UtMIer slulllaollt)- Bo. ..._ 01, _ oilier tIoIqs: (0) tile It;) lilt actIaa ........ to ...... 11M oIcr.a1~ (e) _ tIoo doIoodllllVot lie earM; .... (4) ltIIt tahrt toeuro dM, _1111 II spodhl -.y .-It Ia .....alIoa or tIoo _ ......... by tills Security hIo_t, I'orad.."", by JtuIIdld p_1IlDI1IId HIe of IIoe l'rapodJ. UacleJ' sIIoII fDr1Iaer bdonD 801l_w olllle ript la......1o an. llClCdc...aOll ..d llIe riFI'" IIHl1111 the fIMv'........ _eodIaa ....e ....__ or . ..all .r...." otller ..,... or _ to ._1...1I.~ aad ronclaowe. &r lhc deIoIlls a.~ cunei IS spcclllod, Loader. Ill" oplloa, lIlY require .........10 _I ID ftdI olon _ .~ by 111Io Seollrily IaSlrMlOlll .......1 - "-aU "" -.y randoH tills SaarrIty la_I by jlldlciol tot a 'lit. Loader sIooD boo ..lIt104 to caDoct on G)ICIIP ....... :J::1IIo& ... ...... prntdd ID lilt. ........... 2 . ........1.... bDl..lf lhlII....lo,~' mid <osta olalll 10. _.,.- ~ byapplkable 1I'Ir. u.. ....,e. Upoa plymcal 01111 SUllll1 setIIrCd by tbio Security ImlrIIIac:IU. this Seeurll)' lasll:OlI1eat....lhc_ amveyc:d aIWIl,lnIIinotclld beeomevold. Afte. ..eb oa:urreoee, Lc.a... sIaaII ctiacbarF &ad aatioly this Soearlty IaslnbaCIII wirhoat cIwge l) 80......... Bot\'OOIIOr sbaJI plr lIlY recorclo\loll oosts. 23- w......... Borrvwa,lolhcCldcalpc:naittaclby app\Icablelaw, wai_ andrdc.......y errorordcfcc:taia r.::;~" to eatorectllis s.....my Irutnuaeat, aad betebywaM:s the Ocacfit 01 my fII'-or Iuw... I..... providiag for SIlly 0 -cutIoll, ........:- of lim.,. -~ptiora frooo Illtaelullcat, Ie.,. ud ssIe, I.d hobtcllCld ~D. %A. ...._ Pcdod.. llon'owu'. tlm.IO .ciaslllOl'fO\'ltle!lla puI&1'Oph 18 sbaII _to 00. hour prior 10 the """",..eeM"" olbiddiag at. ohe;riII's sail> or other saIo pWlUllllIO this Soeurity __C11I. Z5. ha'c:IIl... M_ M~ If aB)- of tbc debl oceuredby this Se<arily lastnlmenlis leal 10 B""""CtIO 'cqWrotitle to tbc Pmpcsty. Ibis Security lastrumCIIC sIIII111e . pIIl'dt.ase maacy ..unpgc. U. Ialen:IIJ1ok AlIa' J.........1. Bonower...-thalLbciate:aUltoplyablealtoujudemeotis calcrcdQD III. NOIe ... in... ocDaa of mortpp foredosure shaIJ be tht: nl. payable fro= lime to time uader lIle NOIc. _.cvtPAt "'\(11-01 """'A:~ ...,.,. ~ StiUlO" View) - ~r..Q5 ;;:~ ;!~ ?1d YC~K c.:(..\'";"'v ...................-.. T-060 P.OOO/OI4 F-345 J,n-06-Z006 O.:!Spo Fr..... ClUUlt 1313 PAGE 31,63 VA-G-h3ti43 rT. IIIdau to iIlls Se<'lait1 Jull'lUhlll. If _ or mareridmah: .....a1tedby B_rlllll roe<lI'dedtogflherwilh t!l;s Security l_~ Ih~ __IS ....r.......-of eaohsuOO rider slIaII \no laearparaledillto a..r alWlPloadoad IIIpp1emCQI !be _ md ~DlJ of thb SlOClIrily IllSIr\aDOat IS if the r1dl!r(.) VtOrc a plUt of lJIls Security WtnuacaL [Cbedt oppIleskle boz(..)) ~ Adjuslillle Rate lUcIo, Graduated PI)'IIICIII Rido. 6011_ IUcIer VA Rider ~ COIldaDJiai... Rider ~ 1-4 f'lI>li1y Ridef PLuwd Uolt DcveIoplllc:allUder 8IVtOcIcly P.,..C1Il Rider aale Impfll\ll:lllellllUcIer _ HOlDe l.UlW OOcr(~) r'~1 BY SIGNING BELOW, Borrower ICCeplund .,.--10 Iho tctllllllld eowaaalJ """,,p-e<lia this Security I_ud izloay rider(.) eI':laIl<>d by 8<m.- andm:ord.d Wh it. ~ ~ nJ~~4J)j DONALD J ~~~~ (Seal) _r (Seo1) .-. (Seal) ~ (Seal) -- c-tllIcala or Ited,,- I, IUlt STILD . do b....'" oenily that tile cone<( Il1drw of tile wit!lia.DIUI>elI MOJlBlIFe" Ooe von rlr.t Avenlle ~ucl J'1r Ccma1lc>boobn. 'a. 1942.1 30th dsYOf~' ,1"& ~ elmt l~ ~~N~ COYYmlWE.U.T11 Of fEmlSYt.VANIA, CoWll)' US WltJlcssmy luaddbs perIOlI . Mo* ......... .ubscribed to tho wilbia i_.... . I =-<I1llG...... ft.lhc pwpaoeo l1erela eooIoiaod. : ~, IN wrnftlSSlIHEREOP,l bereuAtoset illY Ilaad sad olliaal seal. . · My """",,".;"" &pirQ: day of JlQluary 1998, DO~ J L\IASBAl &Dd &TItPIWlU "* Qll . t . , '. . ~\ . . bet..... rue, lh. uaderoiglled olIleo:r, Oadtis, Ibe 'Oth penouIIy.pplllted NOlMlAL SeAL VICKIE R. Wl!UlEI\, NOla!) Public C'm(l HIlt, clIlI1ll1ll111d liOumy I.\yCom!lllSsllinl!llplral1.Wch4,lm ........ : . _ 208 IJIQ _oWIPAI..IOl.lJ1 '_A.PPIft I,Mn VteW3. cs.'lJ&2f'...os ~.O~ ~~ PM YORK COI,,;~..~ ).n-00-Z006 0~:54po Fl... T-oeo P.G10/O\4 F-34S seCK 1313 1I.,~t" I,.\\::", V4-1l-64364! 3l.64 VA GUARANTEED LOAN AND ASSUMPTION POUCY RIDER NOTICE: THIS WAN IS NOT ASSUMABLE WITHOUT THE APPROVAL OF THE DEPARTMENT OF VETERANS AFFAIRS OR ITS AUTHORIZED AGENT_ THIS VA GUARANTSBD WAN AND AS-WMPUON Pouey RIDER is mode this]O day 01 JJIIIlWlT , 1998 , snd ;" iaeoq>oraled iuro ...d aIWI be deo;med to _end lad SUloplemeollh. Morf&IeO, Deed of Trusl ar DeadlO _. Dobt (here... 'Security 'asIrllmCDl") clarcd of ...,. dale berfWith, Fveo by the uadmiped (bacia'~ to secure BOITOWer's NOlO to GA'l'I!lIAT rvIlDING DXVElSIFI!ll KOIlTGAtl! 8Illl.VICES. L. P. (hcroio "LeJuIet') snd CO\'CrU>g Ihe Property d.-ibed ia lb- Soeurily laslnuaeat aud Ioc:ated at 520 HOOUS IlIlllNTUII lOA!) HIlCIWIIICSl1IIlC. PA 11055 ll'.....nyAdd_l VA GUARANTEllDLOAN COVBNANT, I. additDI to I!ul C<lYOIWIls ud spealeau made ia cho Sc:curiI:rlasl:nuaOlll, Ilartolier ud Lender fIIrlhcr <lWoaat aa4... II' folh>wl: U tho iJ~~d1lll""~"1ldberoby bo lllIorlOteedar insured lIIldc:r Tille 38. U.DilcdSlIttS Code, sudl11lle ud Rrlll'l..;~. issued thcre1uldcr IUId In eft'td. oa the datt her* shall pMlm 1b6 npt&, dulies aud llabilitLlli of B_r ud Lea<Iot. Aay pnwioioas of 11Io ScearilJ IIII~ or odIor iastn=0lIls =CUled ia eOD1........ with .aid iadehteda... wbleb ore irOO"",..-t with IIid Tille ,1' Regu1odoas, iatlu4iJ.. but Illlllim~ 10, the pmlsloa lor psyau:alof IlIl' ..... io COlllloetioa willa Jl<1'PI,....ot die secure': iadebtedDwSDd lbo prorisioa !bat thD Leoder,,"y aecelcorlleplyDlOllI of the seeurediadebtedn... pun""'llto eo..aSllll1 of the SOCllrity 'lISlnlasoa~ atD heroby lllloacIedor aegaledto the <>leDt aoeessary to COlIfo_ slICb iaslnurIealS 10 said Till. or Regulations. "wn.~rA1li VA ~ LOAN AND ""ullmON'ouev IlIPISI -'4..U (8706] aY!!' ".' 013 Inld.l.~ V"",, MURTGAGE fOllMl. llOOIB~iL IIIIIIII tliJlU1.Fmt atlOtl VfewJ. 06J0GJ2DOtt :3 00 2!5 j.lM - YOHK ~OUN'I y T-060 P.Ol1/014 H45 Jun-05-Z006 03:55.. Fr..- L'luun . ;~~ PAGE. "r 6- .) -; :l VA-C - 64364~ 1313 LATE CHARGB:AI LcacIer'. opliml, Ilomrwer will "'Y' 1ate eblrJC" DOl exc-1fias fcNr per ""pIUID (4%) af the overdue paymeal wbea paId..OR tlloD lilleea (Ij) cloys after !he do. dal. thc:reaflO COYer llIe om. elpOllSO iIrI'oMxIln budIia& ddlaqllelllpt.}1ll0lltl, b"t<uOO "1010 c:IJule" sIaaII aOI be pay:sblo aut of the pnacdl of aay .. modo to I&IiIfy die lDdcbledDau......cd ~. lIa1es. ,uoll proceeds ate sulIIcleollo cIiu:h.....lhe...tirll ~edDoa IUd 011 proper c05ls ODd ""P<....s seCllred hereby. GUARANTY:SbouId Ihe Dcpartmcll1af Vtteraa.sAlTai.. foil or rofuse 10 issue Ita auaramy In full ...01IIIt witllia. ,10 days ttOlS\ the: date tIlollWs 100a wuIcl_Uy be<omoelf8ibJc: for such IUlIdIIIY CIlIIPIIiItM upoa ~I \he DepodDlMlol VeI..-AffIln IIIIdcr tho pI'OObiaDI of'I1llo 3S of the U.s. CocIe-V_ BeulIt~" lheMonpatemoy dedontho iadeblc:cIDesoborcby KCIIred.1 0IleC duo aood pay:sble IIId 11IO)' forcdo... ilDD1~or ..IY __ lilY othorrigbll hcn:uaderor lake lAY olber proper &dloa IS by law pnl'tidod. "I'RAN!~OF nm PROPBIlTY,1'his 10... may bo declaredilD.odiately duolJld payabla vpDIIl1'1aIfor of the: propettylClCUriolg oud> Iooa to ID)' lrIDafon:e, IllI!eos lhe aeeaptabWty of the Ulwapliaa or tho Iou is established pun\llllllO Scdioo 3114 of Chapter 37, ntlc 38, Ulliled Slat.. Codc:. AD lutt""izcd ~ ("llIIUIIlJlUoa") of lb. properly oboll also be .....JO<1 to oddltloaaJ _II aacl agn:cJtIl:at1 N 6el lorth below: (')61:sID.4P'nONFUNDINGflIIl!'" fee "'1",,110 oae-balfaf I pcr"'Dl(~) oftllc,*-aflbis looa.. nrlhedaleof\rusle1'oftlzpropertyshall be poyablelllhe liDIe of trlblferlo!be 1011I holder or ils lutIl<lrimd&plt, II _lee for lbo DepaItlDeataf V~, If tbe UlWDerhll6 ta pay EIUa fee ..die mllG of lrIlIIfcr, tile fee sIaaII CDIlIIIllll.... odclltiaaalclobllo!hl! oI1'eId1l1lC11R11by l.bls iasln1mc:at, slWI belli' lDleres4lllhc tile..... prO'Iidccl, ud, lllhc opIioa of !he payco of lJIe ~Irt:reby ~,,. lilY ltIlIIfetDCllbeRaf, ohsll be lm1llClIiatelydoCllld pay:sble. TlUs roo io ,u''''''.~e.I'YwaMd II the ....._ is ~ \I1ICIer the prcw;.ioas 0138 U.s.c. :m9 (e). _....lIf''101. ".at z of OJ .'I~ I"" "TifJL 1_ :'hUOI1 Vl6w:J 0QI061~006 3'OO'''~ r'M '(OR': :C_"''';'t J,n-06-2006 03:55po Fr..- l-oeo P.D12/014 F-346 amm PAG~ 3t}56 VA-C-643643 . . 1313 (b) ASSUMPnONPll.n.......SlNOt.1lAROH UpeDlPpIlc:stioPtor approvallO aIlew ......pcioaaf this 10... a proce.elq Iilco ...y be dwpd by !he lasa bolder or ita IUlhorizod.,. tor determiaiqIM creditwarthim:.. of lllc> ISIll4ler ODd .ubseq\ulotly ~ the boIdet's l1Ml<Ir1IIIp ",cor"" ... .. appnm:d lraasr... is completed. The tlIIlOllIII of this olI.1qo shII1l101 es<eed die .uialOOl "'1.bll.,,,,, by the Dcllll'lPleatof VelenmAfWnl rn,. . loaa to wbich Sectioa 3714 of Cbaptcr37, Titk. 38, lJaitedSllt.. COde o'('Plies. (el A~~lIMPT10NINDEMNITYUABn..lT\i! If this obJleation is ......eci, lbc:nthc: 1IIWD0rbueby IjIJ'CCS 10 1S11IIIIe 111 01 the obligalloal or die \'cleraa UDder the b:rmJ of the iasbumc:nrs c:rcatIq IlId secaria;ldie Ioaa. The UIWIIor furtber _ 10 iIldelDllify lhc DepulIIIealof v.t......, A1folnllO die <:>lealn! say claim pI)1I1eIlt arisiD8 from 1M guu-P'y or wormee of the: iaclcbtedaess ere.ted by d.is 11IIlnIrIl0D1. IN WfrNESS WHEREOF, Borrower(s) has ClleCUled tbls VA GUIRIIlecdLou IIld AawaptioD Polic:y g. 11.11 )~. 'n~ J1..-r- .. Ie' In?\ %J DOII.l~ -Ba,....t~ ANIlIa!lJ ._. -no....... -80fJ'OWCC -Rnfl'Ollltt .- .-, -- _-I:laIIIS7061 Pege a of S ._, )lil!\On Vlew3. C'lGI06/~oafi 3.cn.2~ J.~M YORK COWN~~ l"'~'_ 4'............... Washington Mutual Mailstop JAXB2004 P.O. Box 44090 Jacksonville, FL 32231-4090 11111111111111111 8005023497 7100 4047 5100 2467 0495 March 30, 2006 001031 /PI< DONALD J KARASHAK 520 MOORES MOUNTAIN RD MECHANICSBURG PA 17055 WE ARE A DEBT COLLECTOR. THIS IS AN ATIEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PLEASE REVIEW THE DEBT VALIDATION NOTICE ENCLOSED NOTICE OF COLLECTION ACTIVITY RE: ACCOUNT # 8005023497 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE Thi~ i~ An nffir.hI,) notice that the morte-RPe on your home 1!'l in dfifimlt And the lender inrend!l; to fnrpr.lru;e Spt"r.ifl~ information aoollt the nature afthe default i!'l nrnvidf!d in the attached nlUI'PJI The HOMROWNFR'S MORTOAfiF. ASSTSTANrH PROGRAM (REMAP) mAV he able to help to M.VP. your home This Nntic".p. p.ynlain!'l how the nrnPl'Am works Tn 1III'.l! if HEMAP t".Jln help you mU!lit MEET WITH A r.ONSlJMER rRPnrr r.OlJNSRLINO AOFNrY WITHIN 30 DAYS OF THE DATF. OF THIS NOTIrF. Tah thh: Notice with you when yon mp.et with thf! r.nllnV!lini A&f!n'<Y The name ll.ddre.~.. and phnnl! number of Consumer Crp.dit (".oun~ling Agl!nde.<; serving vonr C"nnntv are listed at the pnd of thi'i Notice J( vou have any que'itions you ml\Y call thp. Pp.nn!O'lvania HOIl'iing Finan,.... Ael!nr.v toll free at 1-RflO..342-23Q7 (PPrMns with impairAd hearinf "Jln t"JlI1171'Tl 7RO.1Rtiq) This Notice contains important legal information. If )'ou have any questions, representatives at the Consumer Credit Counseling Alene)' 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 NOTIFlCACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECI'A SU DERECHO A CONTtNUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENlDO DE ESTA NOTIFICACION'OBTENGA UNA TRADUCCION tNMEDlTAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AllENCY) StN CARGOS AL NUMERO MENCIONADO ARRtBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO Pl?R EL PROGRAM" LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALViAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU ffiPOTECA. PA ACT 91 Exh,bl+" 5' HOMEOWNER'S NAME(S): Donald J. Karashak PROPERTY ADDRESS: 520 Moores Mountain Rd Mechanicsburg PA 17055 8005023497 LOAN ACCT. NUMBER: ORIGINAL LENDER: CURRENT LENDERlSERVICER: Washington Mutual Bank 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 ACf OF 1983 (THE "ACf"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. . IF YOU HAVE A REASONABLE PROSPECf OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND . IF YOU MEET OTHER ELlGffiILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TF.MPORARV ';TAV OF FORF.r.InSlfRF. - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-facell meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MRRTING MIJST ()("rlfR WITHIN THE NRXT l:to\ DAYS IF VOl I no NOT APPl Y FOR FMF..ROFNrv MORTGAGR ASSTSTANf':R YOU MlJST RRTNG YOUR MORTGAGR lIP Tn OATH THF. PART OF THIS NOTICF. f:A 1 I Rn IIHOW TO C':IJRR YOUR MORTOAC1R nRFAULT" RXPI ATNS HOW TO RRING YOUR MORTGAGE UP TO DATE CONSHMER rRRDIT COUNSEI.lNG AGRNrIR!'ii - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names: add.....-... SInd 1p..lenhnnp. numbe" of dp.!liivnSlted oon!liumer CTfI.dit counvJinv- Atf-nr.ip..'l for the county in which thp. nrnlV!rty i!l 1()('.Atp.d 11M !liet forth 1I11hp. end of thi!ii Notil.".f! It is only necessary to schedule on~, face-to-face meeting. Advise your lender immp.diately of your intentions. APpurATTON FOR MORTGAGR A,j\;:!'iiI~ANrF. - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of yolirdefauLt). lfyou hAve'trled and are unable to resolve this problem with the lender, you have the right to apply for financial assistance frOtn; 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 qedit counseling agencies have applications for the program, and they will assist you in submitting a complete application to the Pennsylvani~ 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 PRO<jEED AGAINST YOUR HOME IMMEDIATELY, AND YOUR APPLICA nON FOR MORTGAGE ASSISTANCE WtLL BE DENIED. . AGRNr.V AMTON - 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 Finan.ce Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION tN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATIEMPT TO COLLEcr THE DEBT. (If you have filed bankruptcy. you can still apply Cor Emerlenq Mortple Allistance.) 001031/00828 HOW TO CURE YOUR MORTGAGE DEFAULT lBriRll it uo to date), NATlTRF. OF THF. nF.FAULT _ The MORTGAGE debt held by the above lender on your property located at: 520 Moores Mountain Rd Mechanicsburg PA 17055 IS SERIOUSLY IN DEFAULT BECAUSE: Non-payment A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the fonowing months and the following amounts are now past due: Monthly Installments: 01/0112006 0210112006 03/0112006 51720.45 51720.45 51750.45 Other charges (explainJitemize): Uncollected Late Charges Uncollected Fees: Less Credits TOTAL AMOUNT PAST DUE, 5199.18 517.80 50.00 S$408.33 B. YOU HAVE FAlLED TO TAKE THE FOLLOWING ACTION (Not applicable): HOW TO CURE THE DEFAULT - You may cure the default within1'HIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOVNT PAST DUE TO THE LENDER, WHICH IS 55408.33, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)DA Y PERIOD. Pl\y1l1ent!lil must he mlldl'! either hv cao;h c3!1lhiAr'!Iil check C'.ertified t':hp.ck or rnonp.'V ordRr rnfide ~nlp. Jmd vmt to' Washinaton Mutual Bank Cash ProcessiJlg P.O. Bo. 3200 Milwaukee, WI 53224 You can cure any other default by taking the. fullowing action within THIRTY (30) DAYS of the date of this letter: (Not applicable): IF VOl' DO NOT rlTRF. THF. nRFAlfLT. If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, thp.lp.ndp.r In'l'!ndll ,n nll"ffillp. itl rhl'hu tn af"t"P.ll'!ratf! .hl! mnrtll!a'f! dl!ht This means that the entire outstanding balance of this debt will be considered due immediately, and you may lose the 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 r"rH'lnlllp. uptll1 your mort,agf!d Drnnertv .IF THF. MORTGAnF. I~ FORF.cl,n~F.n IfPON 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 550.00. However, if legal proceedings ace started against you, )'ou. win have to pay an reasonable attonery's fees actl,lally 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. It yOIl C'1I1"f! thl'! df!fJllltlt within .hl! THIRTY 13Q) DA.. Y ner\od.. VOll wnl not her r~tt1"P.d to nav attornev'liI'fees. OTHF.R 1.RNnRR RF.Mli'nlF-S _ The lender may also sue you personally for the upaid principal balance and all other sums due under the mortgage. PA ACT 91 RIGHT TO rIJRE THE DEFA.ln.T PRIOR TO ~HRRIFF'S SALE ~.Ifyou have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you may !ltm have the riaJ1t to ~urP. thp. dp.fimlt and prl!'!vl!'!nt th,., lUll,., at any time up to on,., hour before the Sht'!:riff's Sale You ml\Y do so h:y ~nv thf! total amount then pa..o;t dllp. plu!I any late or other ~har~!l then due rf'.A!nnahlf! Attn:rn~'g fee!! and (,..Mt!ll ('.nnnf'.t!tf'i1 ~th the fnreclO!lure 1UI1e and Anv other CO!lt.'1 oonnflCtf'iI with the She:riff'!I Salt'! II!! "1'lP.t!ifiAd in writinl1 hv the lender and by perlnrminf !lny other requirement" under the morteRU Curina your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARI.IFRT Pn!it~TRl.F. SHF.RIFF~ SAI.F.. DATF.. - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately 9 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 C.ONTACT THE I.F.NDER: Name of Lender: Address: Washington Mutual Bank 7255 Baymeadows Way Jacksonyille, FL32256 866-926-8937 904-28t-39t4 Collection Department www.wamuhomeloans-com Phone Number: Fax Number: Contact Person: Email Address: F.FFF~ OF !i;HF.RIFF'S SA.I.F.' ~ You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE ~ You _ mayor ..x.may not 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. VOlLMAV AL~O HAVE THE RIGHT. '" '. '. .;,' . ,'- ., . TO SELL THB PROPBRTY TO OBTAIN MOI'lBY TO PAY OFF TI:IB MORTGAGB DBBT OR TO BORROW MONBY FROM ANOTHBR LBNDING INSTITUTION TO PAY OFF THIS DBBT. I . , . TO HAVE THE DBFAULT CURBD BY ANY THIRD PARTY ACTING ONYdUR BBHALF. . TO HAVE THE MORTGAGB RBSTORED TO THB SAMB POSmON AS IF NO DBFAULT HAD OCCURRBD,IF YOU CURE THE DBFAULT. (HOWEVER, YOU DO NqTHAVB THIS RIGHT TO CURB YOUR DBFAULT MORE THAN THRBB TIMBS IN ANY CALBNDAR YEAR.) , . . TO ASSERT THB NONEXISTENCB OF A DBFAUL T IN ANY FORECWSURE PROCBBDING OR ANY OTHBR LAWSUIT INSTITUTED UNDBR THE MORTGAGB DOCUMBNTS. . TO ASSERT ANY OTHER DBI'BNSB YOU BBLIEVE YOU MAY HAVE TO SUCH ACTION BY THB LENDBR. . TO SBBK PROTECTION UNDBR THB FBDBRAL BANKRUPTCY LAW.H CONSUMER CREDtT COUNSELING AGENCIES SERVING YOUR COUNTY ARE ATTACHED We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. PA ACT 91 " \ Washington Mutual Mailstop JAXB2004 P.O. Box 44090 Jacksonville, FL 32231-4090 1111111 ~IIIIIIII 8005023497 7100 4047 5100 2467 0501 March 30, 2006 001032/PA. STEPHANIE ANN KEW 520 MOORES MOUNTAIN RD MECHANICSBURG PA 17055 WE ARE A DEBT COLLEcrOR. THIS IS AN ATIEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PLEASE REVIEW THE DEBT VALIDATION NOTICE ENCLOSED NOTICE OF COLLECTION ACTIVITY RE: ACCOUNT # 8005023497 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This i!fllln offidnl notic-Po that thl'! mnrtPA~ on youT home is in default and the lender intendlll to fnl'p.c.1MP. Spt".cific. information anoul the nature of the defi:mlt is nrovided in the attached paV-" The HOMP.OWNF.R'S MORTnAGE ASSISTANCF. PROr.RAM (HRMAP) mAY No; ahle to help to filnve yollT home Thi!fl Notice el\:plains how the nrnln'am work!; Tn Sf'.#! if REMAP ("..an help YOII mlIlllt MF.F.T WITH A C:ONSlJMF.R r.RRntT r.nUNSRLlNCi AnENCY WITHIN 30 DAYS OF TAR nATE OF THIS NOTICE Take thi!ll Noti",.#! with you when yon meet with the C'nun!;ellnll' Aien~ The nllme addre.'l<; and phone nllmher of Consumer Credit C'.nlln!tP.ling A~ncies serving Your County are Iilllted at the end of thilll Notice If you have Hny q;J1estions yOll may call the Pennsylvania Houlllinv- Finance Aeenr;y toll frflle at l-ROO-342-2397 (Per!llms with impairf'.d hearing coSln r.a.1I (717'17RO.1R6Q) Thi. Notice contains important legal information. If )'ou have any questions, representatives at the Consumer Credit Counseling Agenc)' may be able to help explain it. You may also want to contact an attorhey in your area. The local bar association may be able to help you nnd a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA. PUES AFECl'A SU DERECHO A CONTtNUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENlDO DE ESTA NOTIFtCACION ()BTENGA UNA TRADUCCION lNMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUStNG FtNANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRtBA. PUEDES SER ELEGmLE PARA UN PRESTAMO PaREL PROGRAMA LLAMAt10 "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CAS.\. DE LA PERDIDA DEL DERECHO A REDIMtR SU HIPOTECA. PA ACT 91 " , HOMEOWNER'S NAME(S): Stephanie Ann Kew PROPERTY ADDRESS: 520 Moor.. Mountain Rd Mechanlcsburg P A 17055 g005023497 WAN ACCT. NUMBER: ORIGINAL LENDER: CURRENT LENDERlSERVICER: Washington Mulual Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECWSURE 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. TF.MPflRARV !i;TAV OF FORF.M .n~ITRF. - Under the Act. you are entitled to a temporary stay offorec1osure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a llfa.ce.to_facell meeting with one of the consumer eredit counseling agencies listed at the end of this Notice. THUll MF.F.TTNG MUST ~JR WITHIN THF. NF.XT 130) DA VS IF YOI J DO NOT APPLY FOR F.MRRORNr.v MORTGAGE ASSlSTANr.F. VOll MUST RRINO YOUR MORTnAGF. IJP TO DATP. THF PART OF' THIS NnTIrF CALLED "HOW TO OJRR YOUR MORTGAGE nRFAIH Tit EXPLAINS HOW TO BRING YOUR MORTGAGE lIP TO nATE nlNstTMF.R CRF.DIT mlINSRI,TNn AnF.NClR't ~ If you meet with one of the consumer credit counseling agencies listed at the end of this notice. the lender may NOT take action against you for thirty (30) days after the date of this meeting. The name!\: l'lddTP.!\:V'.<; and telephone number!; of de!;ivnatf'n con!luml'!r credit r.oun!ielinr avmcif!!; for the county in which the propeTtv j!; )CX'Jlted are !lief forth at the end of thi!'i Notice It is only necessary to schedule one face-to-face meeting: Advise your lender immediatl'!ly of your intentions. APPUrATlON FOR MORTGAr..F. ARC;T!i:TANrF. - 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 frorp the Homeowner:'s Emergency Mortgage Assistance Program. To do so, you must fill out. sign and file a completed Homeowner's Emergency Assistance' P.rogram 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 tq t~e P~nnsylVania JI~using Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-faCe ~eeting. . . 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. Ar..F.Nrv AmON - 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 aher it receives your application. During that time, no foreclosu~e proceedings will h1= p:ursued against you, if you have met the time requiremen~ 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 ATl'EMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) " ~ 001032/cOB26 HOW TO CURE YOUR MORTG1GE DEFAtJLT lBrln2 II un to dalel. NATlmF. OF THF.. DF.FAlIT.T - The MORTGAGE debt held by the above lender on your property located at: 520 Moores Mountain Rd Mechanicsburg PA 17055 IS SERIOUSLY IN DEFAULT BECAUSE: Non-payment A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Installments: 0110112006 0210112006 0310112006 SI720.45 SI720.45 S1750.45 Other charges (explainlitemize): Uncollected Late Charges Uncollected Fees: Less credits TOTAL AMOUNT PAST DUE: B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Not applicable): SI99.18 S17.80 SO.OO S5408.33 HOW TO CIJRE 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 S5408.33. PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)'DAY PERIOD. PllVlTll!!nt!l mU!lt he mAd.., either hv C-alllh C"lI!lhll!!l"" ~hf'r.k (,..f!TtifiiM check or money order mlldp. nllvahlp. And llP.nt to' WashillJton Mutual Bank CUh Proceutng P.O. Bo. 3200 Mtlwaukee, WI 53224 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Not applicable): IF YOU TKl NOT ~URF: THF. nF.F A UI.T - If you do not cure the default within THIRTY (30) DAYS of the date ofthis Notice, thf! If!ndf!r Intf!ndlll to f!rercllllf! itlll ri,hbi to 1IrN'liPrsltf! thf! mort....... d..ht This means that the entire outstanding balance of this debt will be considered due immediately, and you may lose the 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 rOrf!C"IOlllf! I'pon your rnort.a..ed nrQnertv *IF THF. MOllTGAGF. IS FORF.~I.OSF.n 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 attonery's fees actually incurred by the lender even if they exceed $50.00. Any attomey's fees will be added to the amount you owe the lender, which may also include other reasonable costs. Ir yOIl l"lIrf! thf! dP.rlllllt within thf! THIRTY 130\ DAY nerlod. vou will not be rf!tllllrf!d to nay attorn"v,'s Ff!f!A OTHF.R I.F.NDER RF.MF.DIFJi: - The lender may also ~ue you personally for the upaid principal balance and all other sums due under the mortgage. PA, ACf 91 ~ 4 ," RIGHT TO MJRF. THF. DRF.4.IJI.T PRIOR TO !l;HF.R'FF~SALE... If you have Dot cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you ml\Y !iltill hllVP.thp. rieJ1t to cure the dp.fimlt and prevent the u.lf~ at any time. lip to one hour before the Sheriff's Sale You mAY do !IIO by lP'yini the total 'limon"! thll!J1 pa!rt dill!! pill!\: any late or other chUtes then due Tf':lIr1T'1l1hh'! llttnrnl'!V'!I. ff'.ft'IIlInd r.ll'llt!l rnnnpP.ted with thl'! fn.....r.lm:lJrP. !late lInd llnv nther, M..lIt!il MT'lYlN'ted with fhll'! Shp.rifr!l Sale a'l ~necified in writinV by the If!ndl'!T SInd by performinr lIny nthp.T Tp.Quiremp.nt'l' under the mnrtCflU Curing your default in the manner set torth in this notice will restore your mortgage to the same position as if you had neTer defaulted. F.ol. AI.IF.,", pn.ctc:nu.F. ~HF.RlFF'S ~.4.1.F. n... TF. - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately 9 months fro.m the date of this NoUce. A notice of the actual date of the Sberiff's Sale will be sent to you before tbe sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: Address: Washinlton Mutual Bank 7255 Baymeadows Way Jacksonville, FL 32256 866-926-8937 904-281.3914 Collection Department www wamuhoml!!loanll-com Phone Number: Fax Number: Contact Person: Email Address: EFFF~ OF ~HF.RIFF'S SAI.F.- - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale. a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE ~ You _ mayor ..x. may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges, and ~ttorney's fees and costs are paid prior to or at the sale, and that the other requirements of the mortgage are satisfied. . V<;>,lJ M A V Al$;O H A Vii:: THF. RIGHT. TO SELL THE PROPERTY TO OBTAIN MONEY Tl:l pAY OFFTIIB MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. . 'I . TO HAVE THE DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. . TO HAVE THE MORTGAGE RESTORED TO THE SAME POsmON 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 BEUBVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE ATTACHED . . . We may report information about your account to credit bureaus. Late payments. missed payments or other defaults on your account may be reflected in your credit report. PA ACT 91 ~ .." VERIFICATION lIana 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 Plaintiffs 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, LLC BY: fr^./ Ilana on, Esquire Attorney for Plaintiff Dated: cp/710c, .... ~ 7ft ~ n ", ~ C c:.::::. 0 C:4 1 -- '. C;l-o -n 0 ::;j i"~'!~ I -~ll'n '- .......... CD :::)C:J ~ 6""- tI't ' -~ G) D .' ~ ~ , p:! C~j .-., ~ -.., :~! }J (..) .> ~ .-<. :u C'l -< - !2 t-..:.. --.... SHERIFF'S RETURN - NOT SERVED CA~ NO: 2006-03249 P . COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND WASHINGTON MUTUAL BANK VS KARASHAK DONALD J 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: KARASHAK DONALD J but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE NOT SERVED , as to the within named DEFENDANT , KARASHAK DONALD J 520 MOORES MOUNTAIN ROAD MECHANICSBURG, PA 17055 NEVER RECEIVED NEEDED FUNDS TO DEPUTIZE YORK COUNTY. Sheriff's Costs: Docketing Service Affidavit Surcharge 9~.JJ~O~1 18.00 .00 .00 10.00 .00 28.00/ SHAPIRO & KREISMAN 07/21/2006 so~answers: ~.._/-'-;;:7_.._........../ .-. --::::/ ~"--;-:.::::::-::~---- ~-- -,;..,/;' -". ._~-~-~ .--- ------"-^ R. Thomas Kline Sheriff of Cumberland County CJ.- Sworn and Subscribed to before me this day of A.D. SHERIFF'S RETURN - NOT SERVED CA~ NO: 2006-03249 P . COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND WASHINGTON MUTUAL BANK VS KARASHAK DONALD J 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: KEW STEPHANIE ANN but was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT - MORT FORE NOT SERVED , as to the within named DEFENDANT , KEW STEPHANIE ANN 520 MOORES MOUNTAIN ROAD MECHANICSBURG, PA 17055 NEVER RECEIVED NEEDED FUNDS TO DEPUTIZE YORK COUNTY. Sheriff's Costs: Docketing Service Affidavit Surcharge 6.00 .00 .00 10.00 .00 / 16.00' q };p(Ol. Cf- SO~~./~ ~~ ?-- R. Thomas Klie Sheriff of Cumberland County SHAPIRO & KREISMAN 07/21/2006 Sworn and Subscribed to before me day of this A.D. SHERIFF'S RETURN - NOT SERVED CA8~ NO: 2006-03249 P ~ COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND WASHINGTON MUTUAL BANK VS KARASHAK DONALD J 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: OCCUPANT but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE NOT SERVED , as to the within named DEFENDANT , OCCUPANT 520 MOORES MOUNTAIN ROAD MECHANICSBURG, PA 17055 NEVER RECEIVED NEEDED FUNDS TO DEPUTIZE YORK COUNTY Sheriff's Costs: Docketing Service Affidavit Surcharge So County 6.00 .00 .00 10.00 .00 16.00./ ~/:U1o~~ SHAPIRO & KREISMAN 07/21/2006 Sworn and Subscribed to before me this day of A.D. A . J> ~. II" SHAPIRO & KREISMAN, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-26741 Washington Mutual Bank f/k/a Washington Mutual Bank, FA successor in interest to Fleet Mortgage Corp. PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 06-3249 VS. Donald J. Karashak and Stephanie Ann Kew 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: (fY'-.. Ilana Zion, Esquire Attorney for Plaintiff DATED: Jig/or '" ." ~ CERTIFICATE OF SERVICE I, Ilana Zion, Esquire, hereby certify that on 31&)01- 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: Donald J. Karashak 520 Moores Mountain Road Mechanicsburg, P A 17055 Stephanie Ann Kew 520 Moores Mountain Road Mechanicsburg, P A 17055 SHAPIRO & KREISMAN, LLC BY: Ilana Zion, Esquir Attorney for Plain 1 f (") r~ r....:> = <= --' -""1'" .......:".... so N -0 L') C) (..,)