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Home My WebLink About06-3500GOLDBECK McCAFFERTY & McKEEVER BY: JOSEPH A. GOLDBECK, JR. ATTORNEY I.D.#16132 SUITE 5000 - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106 - (215) 825-6318 W W W.GOLDBECKLAW.COM ATTORNEY FOR PLAINTIFF O(. - 3SW Civ- t 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff VS. DENISE D. BEARD Mortgagor and Real Owner 422 W Shady Lane Enola, PA 17025 Defendant Term CIVIL AC-N)N: MORTGAGE "VOLOOURE 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 the 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 claim in the Complaint of 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. 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. LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 AVISO LE HAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA DEMANDA Y AVISO. PARA DEFENDERSE ES NECESSARIO QUE USTED, O SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU PARTICIPACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO, DECIDIR A IN THE COURT OF COMMON OF CUMBERLAND COUNTY CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE FAVOR DEL DEMANDANTE Y REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 ACT NOW! Even though your lender (and our client) has filed an Action of Mortgage Foreclosure against you, you still may be able to SAVE YOUR HOME FROM FORECLOSURE. 1). Call an attorney. For referrals to a qualified attorney call either of the following numbers: 717-243- 9400 or. 2). Call the Consumer Credit Counseling Agency at 1-800-989-2227 for free counseling. 3). Visit HUD'S website www.hud.eov for Help for Homeowners Facing the Loss of Their Homes. 4). Call the Plaintiff (your lender) at and ask to speak to someone about Loss Mitigation or Home Retention options. 5). Call or contact our office to request the amount to bring the account current, or payoff the mortgage or request a Loan Workout / Home Retention Package. Call Beth at 215-825-6329 or fax 215-825-6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215-825-6318 or Fax: 215-825-6418. Please reference our Attorney File Number of CWD-4842. Para information en espanol puede communicarse con Loretta a1215-825-6344. This Action of Mortgage Foreclosure will continue unless you take action to stop it. Resources available for Homeowners in Foreclosure COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff is COUNTRYWIDE HOME LOANS INC., 7105 Corporate Drive, PTX B-35 Plano, TX 75024-3632. 2. The name and address of the Defendant is DENISE D. BEARD, 422 West Shady Lane, Enola, PA 17025-2241, who is the mortgagor and real owner of the mortgaged premises hereinafter described. On August 26, 2004 mortgagor made, executed and delivered a mortgage upon the premises hereinafter described to COUNTRYWIDE HOME LOANS, INC., which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County as Book 1878, Page 4255. The Mortgage and assignment(s) are matters of public record and are incorporated by this reference in accordance with Pennsylvania Rule of Civil Procedure 1019(g); which Rule relieves the Plaintiff from its obligation to attach documents to pleadings if those documents are matters of public record. 4. The Property subject to the Mortgage is more fully described in the legal description set forth as Exhibit "A" ("Property"). 5. The mortgage is in default because the monthly payments of principal and interest are due and unpaid for July 01, 2005, and each month thereafter and by the terms of the Mortgage, upon default in such payments for a period of one month, the entire principal balance and all interest due and other charges are due and collectible. 6. The following amounts are due to Plaintiff on the Mortgage: Principal Balance Interest from 06/01/2005 through 06/30/2006 at 7.2500% Per Diem interest rate at $18.41 Reasonable Attorney's Fee at 5% of Principal Balance as more fully explained in the next numbered paragraph Late Charges from 07/01/2005 to 06/30/2006 Monthly late charge amount at $31.86 Costs of suit and Title Search Fees Escrow Balance Monthly Escrow amount $181.07 $92,727.39 $7,271.95 $4,636.37 $382.31 $900.00 $1,833.84 -$1,332.09 $106,419.77 If the Mortgage is reinstated prior to a Sheriff's Sale, the Attorney's Fees set forth above may be less than the amount demanded based on work actually performed. The Attorney's Fees requested are in conformity with the Mortgage and Pennsylvania law. Plaintiff reserves its right to collect Attorney's fees of up to 5% of the remaining principal balance in the event the Property is sold to a third party purchaser at Sheriff s Sale or if the complexity of the action requires additional fees in excess of the amount demanded in the Action. 8. Plaintiff is not seeking a judgment of personal liability (or and "in person am' judgment) against the Defendant in this Action but reserves it's right to bring a separate Action to establish that right, if such right exists. If Defendant has received a discharge of their personal liability in a Bankruptcy proceeding, this Action of Mortgage Foreclosure is, in no way, an attempt to re-establish the personal liability that was discharged in Bankruptcy, but only to foreclose the Mortgage and sell the Property pursuant to Pennsylvania law. 9. Notice of Intention to Foreclose and a Notice of Homeowners' Emergency Mortgage Assistance has been sent to Defendant by certified and regular mail, as required by Act 160 of 1998 of the Commonwealth of Pennsylvania, on the date(s) set forth in the true and correct copy of such notice(s) attached hereto as Exhibit "B". The Defendant has not had the required face-to-face meeting within the required time and Plaintiff has no knowledge of any such meeting being requested by the Defendant through the Plaintiff, the Pennsylvania Housing Finance Agency, or any appropriate Consumer Credit Counseling Agency. WHEREFORE, Plaintiff demands a de terris judgment in mortgage foreclosure in the sum of $106,419.77, together with interest at the rate of $18.41, per day and other expenses costs and charges incurred by the Plaintiff which are properly chargeable in accordance with the terms of the Mortgage and Pennsylvania law until the Mortgage is paid in full, and for the foreclosure of the Mortgage and Sheriff's Sale of the Property. & McKEEVER BYV JOSEPH A. GOLDBECK, 1R., ESQUIRE ATTORNEY FOR PLAINTIFF VERIFICATION I, John Smith, as the representative of the Plaintiff corporation within-named-do hereby verify that I am authorized to and do make this verification on behalf of the Plaintiff corporation and the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge, information and belief. I understand that false statements therein are made subject to the penalties of 18 Pa. C.S. 4904 relating to unworn falsification to authorities. b -16 --Gb John SAA COUNTRYWIDE HOME LOANS INC. E?Q-hi6itA El • "A,? FALL MW CRtRan piece of parcel of lend situate to last Pennsboro Township„ County of Cumberland and Convionwealth of Pvnnsylvsnia, more particularly bounded and described to foilovst NWVMEfe at a point an the southern right-of=way line of Shady Lane, 50 foot right-of-way; 36 foot paved macadam, said point being at the Northwest corner of Lot No. .2 on the hereinafter mentioned Plan of Lots, thence by Lot No. 2, South 10 degrees 31 minutes 00 seconds Zest, for a distance of 150.00 foot to a point at a 10 foot maoad- paved allay; thence by the 10 foot macadam paved alley, South 79 degrees 29 minutes 00 seoonds (lest, a distance of 20.00 feet to a .point at Lot No. 4 on the hereinafter mentioned PLan of Lots; thence by Lot No. 4, North 10 degrees 31 minutes 00 seconds Nest, a distance of 150.00 feet to A point at the southern right-of-way line of Shady We; donee by the right-of-way line of Shady Lane, North 79 degrees 99 minutes 00•seconds East, a distance at 20.00 feet to a point at Ut No. 2 on the hereinafter mentioned Plan of Lots, the point and place of 9EGINNING. EMia Lot No. 3 on a final Subdivision Plan of 418 Shady Lane recorded in Cumberland County Plan Sook 06, Page 137. Ccrd fy this to be !n Cumberland CounMCOrded ty pA 4t?vW H? nI`.". eS.a Copy 07/19/05 02:54:4111 PM 1 JAMOS427{ 717P4325t7 PAGE.022 1111, It -as 15:23 ?hifiit (B 4 xone uaw PO Bm[9096 TemeMis, CA 92589-9046 Send PWne ft rW PO BOX 660694 Dales, TX 75266-0694 Send Ccn*wWd lte la PO Bm 5170, MS SV314B Simi Valley, CA 93065 IIIIIIIIIIII 0700118573 Denise D Beard 422 W SHADY LN ENOLA, PA17025-2241 PRESORTED FNnFCMSa MnH U.3. Posmpe end Fees Peld WSO ?. ®Covnhywide' HOME LOANS P. D. Box 680694 Danes. 7X 75268-0694 SardPsyn ems b: PC a" mm DW)o%TX 752MM4 June 1, 2005 Certified Mail: 0700118573 Return Redept Requested Regular Mail Denise D Beard 422 W SHADY LN ENOLA, PA 17025.2241 Account No.: 7075931 Property Address: 422 W Shady Ln Enola, PA Current Servitor. Countrywide Home Loans Servicing LP ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official optics that the mortoaoe on vow home is in default and the lender intends to foreclose Specific irnformetlon about the nature of the default is wowtded in the attached Dam. The N01M:OWNER'8 EMERGENCY MORTGAGE ASSISTANCE PROGRAM IHEMAPI may be able to help to save our home This Notice en>Ilains how the program works. To 'f HEMAP cm hWu wu t MEET WrrH A CON nMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE Take this Notice with you when you meet with the Counse ina Ackboam This Notice contakn important legal irdormation. S you have any questions, re"sentetives at the Consumer Credit Counseling Agency may be able to help answer them. You may also want to contact an attorney in your area. The [Deal bar association may be able tc help you flnd a lawyer. LA NOTIFICAC16N EN ADJUNTO ES DE SUMA IMPORTANCIA, PLIES AFECTA SU DERECHO A CONTINUAR VIVENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DIE ESTA NOTIFICAC16N OBTENGA UNA TRADUCCI6N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING RNA14CE AGENCY) SW CARGOS AL Nl)MERO MENCIONADO ARREIA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL COAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Denise D Board PROPERTY ADDRESS: 422 W Shady Ln Knolls, PA LOAN ACCT. NO.: 7078931 ORIGINAL LENDER: CURRENT LENDERISERVICER HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WNICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF NpM was your account number an all checks and emnepmdsnco. BLOPA127831117 01)f Amount Number. 7075931.1 Denise D Beard Balance Due for charges listed above $2,70B2D as of Bl1ld)D5 422 W Shady Ln we may n+erge YOU •gabrerv/ prymamraumad a re}-Mud DY Ywr anandal InsUMk d, subject 0 appllcame law 9LDPA1 Countrywide PO BOX 666694 Dallas, TX 75266-0694 (6.,6(d..11.1i((n1(lu((mi((u(iliu(n((i(...6 I.A.11 007075931100000270820000270820 1983 (THE "ACT'), YOU MAYBE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you am entitled to a temporary stay of foreclosure on your mortgage for thirty-five (35) days ttom the date of this Notice. During that time you must arrange and attend a "Face-to face' meetin0 with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING _ MUST _ OCCUR O NS IFI II?,G AGENCIES - 6 you meet with one of the consumer credit counseling agencies listed at the lender may NOT take action against you for thirty-five (35) days after the date of this meeting. ]b$ necessary to schedule one APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in the Notice(see following pages for spec 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 Homeowners Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the and 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-five (35) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you 0 you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) NOTICE OF INTENT TO FORECLOSE YOUR HOME LOAN IS IN A STATE OF DEFAULT DUE TO THE REASONS MENTIONED IN THIS NOTICE. YOU MUST TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 422 W Shady Ln Enola, PA IS SERIOUSLY I N DEFAULT because YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due Mordhly Payments: April, 2005 - April, 2005 (1 mos. @ $818.22/month) $816.22 May, 2005 . June, 2005 (2 mos. @ $897.20/month) $1,794.40 Late Charges: April, 2005 - May, 2005 12 mos. @ $31.86/month) $63.72 Other Late Charges: Total Late Charges: $31.86 Uncollected Costs: $0.00 Partial Psymwt Balance: ($0.00) TOTAL DUE: $2,708.20 YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (DO not used not applicable) Phan • Mare your deck payeblete COW"kie Horne Lane . Write vauraccoum nunberMpur dad or mmm/nder •WriteIn.WAftwelamaaeyouar indLKb lr foal w rose clan SSg7q plmae ewd anMmA Med?7 • Dunteadh your clad b ae RIM orepon • Dont Imlude carmpondence • Dont and rash Paynnm: NI Mymeda all be appbd Or the bnimscondrq Inefdlmem dm Ma wramla eprealy pmliblad by cow. All praniun pap" far each tae Imumnce wd M apdiad ear apolaam of my prlydpd and Interest paymesg due, but baWe ay dW anude de on yaw ban am applied Additional smauft aye ubma m addsom pnndMI soar; at eddlkona ewrowarroudaMbran'Otheramoudwth your rapda Mmebanp&"WdPlndpalardiftrw.ComM dewWflWppliyuu Mmebenpaymatt DebraaryaNMrAantM 4epplla4lyau Mme ban peymada are rot arted, Coudrywldewlll ap appNaMaddltlonal W'xdPa amoudardlm addau+.a and was HOW TO CURE THE DEFAULT - You may cure the default within THIRTY-FIVE (351 DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $2,708.20, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY-FIVE (351 DAY PERIOD. _ Payments must be made either by cashLrs check certified check or money order made Payable and sent to, Countrywide at P.O. Box 660696, Dallas, TX 75266-0694. other You mn mm any default within TH ON_CNF (35) DAYS of the date of this letter (Do not use if not applicable) IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY-FIVE (351 DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debrL 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-FNE (35) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case ta its attomeys, but you wre 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 inwned, up to $50.DD. 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 mats. If you cure the default within the THIRTY-FIVE (35) DAY period, you will not be required to pay attorney's fees. YOU HAVE THE RIGHT TO REINSTATE AFTER ACCELERATION AND THE RIGHT TO ASSERT IN THE FORECLOSURE PROCEEDING THE NON-EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO ACCELERATION AND FORECLOSURE. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S BALE - If you have not cured the default within the THIRTY-FIVE LM DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and mats connected with the foreclosure sale and any other mats connected with the Sheriffs Sale as speed in writing by the lender and by performing any other requirements under the mortgage. Curing your default In the manner set forth in this notice will restore your mortgage to the some position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - it is estimated that the earliest date that such a Sheriffs Sale of the mortgage property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to wre 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: Countrywide Home Loess Servicing LP Address: P a Box 660694 Dallas, TX 75 2 6 6-0696 PhoneNumber: 1-800.669-0102 Fax Number. 1-605-577-3432 Contact Person: MS P7X-36 AMention: Loan Counselor EFFECT OF SHERIFF'S SALE -You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) 0700118573 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 HAV E TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Your loan is in default. Pursuant to your loan documents, Countrywide may, enter upon and conduct an inspection of your property. The purposes of such an inspection are to (1) observe the physical condition of your property, (11) verify that the property is occupied andlor (Ili) determine the identity of the occupant. If you do not cure the default prior to the inspection, other actions to protect the mortgagee's interest in the property (including, but not limited to, winterization, securing the property, and valuation services) may be taken. The costs of the above-described inspections and property preservation efforts will be charged to your account as provided in your security instrument If you are unable to cure the default on or before July 1, 2005, Countrywide wants you to be aware of various options that may be available to you through Countrywide to prevent a foreclosure sale of your property. For example: • Repayment Plan: It is possible that you may be eligible for some forth of payment assistance through Countrywide. Our basic plan requires that Countrywide receive, up from, at least % of the amount necessary to bring the account current, and that the balance of the overdue amount be paid, along with the regular monthly payment, over a defined period of time. Other repayment plans also are available. • Loan Modification: Or, it is possible that the regular monthly payments can be lowered through a modification of the loan by reducing the interest rate and then adding the delinquent payments to the current loan balance. This foreclosure alternative, however, is limited to certain loan types. • Sale of Your Property: Or, if you are willing to sell your home in order to avoid foreclosure, it is possible that the sale of your home can be approved thmugh Countrywide even if your home is worth less than what is owed on lt. • Deedin-Lieu: Or, If your property is free from other liens or encumbrances, and IF the default is due to a serious financial hardship which is beyond your control, you may be eligible to deed your property directly to the Noteholder and avoid the foreclosure sale. If you are interested in discussing any of these foreclosure alternatives with Countrywide, you must contact us immediately. If you request assistance , Countrywide will need to evaluate whether that assistance will be extended to you. In the meantime. Countrywide will pursue all of its rights and remedies under the loan documents and as permitted by law, unless it agrees otherwise in writing. Failure to bring your loan cument or to enter into a written agreement by July 1, 2005 as outlined above will result in the acceleration of your debt. Time is of the essence. If you have any questions concerning this notice, please contact Loan Counseling Center immediately at 1-800-669-0102. a . a - PENNSYLVlW1NEUEWO'FlNA4ICE AOENCY - ' . HOMEOWNERT YVWMAOEASEIWTANCEPMXMM COWl9P*qWQ01m,WNOARENGE3 ,. . 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Inc. 535 Fog vsn sired 5,"W.PA 15WI Ph: 814415.9628 Rc 85048148 Far 81444348M sxws COUNTY Budge) Cumse" Cemer 247 MmN FW4SNea Rea&SPA 19801 Ph: 09.75-7988 Far. 9111,975-7839 Ecpim t Oppatraaty Cahinel of Schuy1Nill Going 225 M CNVre 55eet Po1NrNA PA 17981 Ph: 717$22.1985 Fax: 717-M-0429 CCCShcal4y1vmoy 3671 Creaea CWi SWn WhImh04PA 18052 Ph: SI0821- 01i Ph: 8002262733(814 only) Fax: 6109132 Cmnos40y HDU** emmeW. Inc. PogtOffmWar2 4 Kem9t9*M%PA 19348 Plc 61604,392 Foe 61044444 EIt,PA SM87TY Bedwdfl8 bn Musing SeMCes RA t,RK3B4 even km 1597 PR 94980129 FU 1IMM 187 C=d WesNwPemsyivada, Inc. 21TF-Pb*Pmd Ahaawk PA 18902 Ph 9149046100 Ph: 9149H5747 Key E? 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FlteTafteb C°mel of NoM mle n PA 1954MWy G1ac91.ane IOPdXc AeenW Anwli¢an C404G u tnc lnStlUg 9rtsaban, PA 15901 mm*ampA 18601 moves Slraat Ph. 814-5359596 Pk SM1783339 GraNWBa, PA 19320 Fox: 8143]9-16118 Pk M"2-4045 Ph: 91&2129741 Fax 510-278.1859 TaWdaud Services, Inc. 444E.D"Plke 536 Fat Main Street CaNIMSkeet MIMetPnaeb, PA 19406 SomWsa4 PA 15501 va eMko11s359 W SMW 2210 Pk BN1459026 *j*x mPA 18814 Fax SW265.4814 Ph: 8084520146 Mr. SXA MWB Fax 614-443.3600 fax 5109286144 755 Yak Road Stile Im Gmijm014 COUNTY 3SMfite9lreat WW*,Ma, PA 18974 Norman, narCannainfty Action Corp. Wdhbmwpx i4901 Fk 2*444.9429 Post0118ceem[389 Pk 1017243252 Faux 215958.5344 13SWeMe SlreW Fax 571,7246781 Empwk?PA t5W4 01affl000NTY Ptv it"A86.1161 M EN"Streel Action Hxdm inc, Fete 51+406-0m Paaofte6ua218 425 ee kome Tory, PR 16947 SuPa 950 CCCS a NoMeasOnn PA PA: 571297.2101 MR Aagf1. 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MOM-9163 W 401 v3Ueta, SuOe 806 Ph: 683 CamsaltyOeydoPmem Corp, of ^P P bx Fax 516497-9134 flWblWl1 412, 135 Ph: h: 412336.9864 54 Floc 570W-8135 432DG*cc tSrQW Ph: 868.797-2983 PNad4O%PA 19124 FM 412-369983 it Sau417a Skeel Pk 211744-2980 Sttaudxht49, PA 15360 Fatc 211744.3012 OARMCQH7Y Ph: 67420599 Beft4Rion""In8 Services Ph: 8004729537 NM#WeMOxg**q Service R.D. 1, 18x3114 Fm 570-420088i 5mi Nail Broad Street EmeS, PA 15537 Ph78d*N%PA 19141 Pk 014.6m,9129 commission of Economic Opportunity a Pry: 214324-7500 Fax 8144231187 LV7alne, faulty Fax 2153248753 163 Am6W Lane Indiana 7Ay Cammun6y Action Progran WII6esea7t PA 18702 C%.C vl o"Mra Vallay 927 WaW Simi. Box 187 Ph: 6704MOSIO 1615 AWFet Shaw-SWe 1325 Indian!PA 15701 Pn: 800842-0559 PMalOWPA 19107 Ph: 412.180-2657 Fax 670819MOS-Cam before taxing Pk 2*663, 5 Pax 412-46x'.5118 Ph: 574564994-Harefton Foe 2154641866 Fax 670455.6531-Call before faxing ph: 6704*4BW -Tunknannock a t 9 sivitoofteho 0 9857' . 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CmxneUty Action Program 821 Wafer Street Box tail Indiana, PA 1601 W. 72442657 Fax; 724-41i 118 u LylxldoOQlm tkun8es 2issu la1118rlaornmunlry Action{STEP) O M flirest Post W*Of6ce8F 1320 1P03 Ph: NO-3254W Ph: Fm S70d2Y21Z19I rAf.S of tklll slam^A 201 f usinSk9 4VAMWPml,PA TAW Ph: 5753234W FPC 59356628 CCCSdIbOWlem PA 1631 & AI1l11an Ste01 Swig m StMe Cd60e,PA 16801 Ph: 014208.3665 Fax 5142683669 cOL OBAIAIB TY C.CC8d18 , M.PrnnsvW is 31 W.MMa3Shee1 Pon OlbEOx 1127 W ke1-Bma.PA 18702 Ph: 5750210597 Plc WIHM-9537 Fax 56"1.1785 Cr nksi n m Ecxronic CEcchunily of Lvm,Aa0" 1ra3A~l,Iha WfikaOad,PA 18702 Pic 5711,M4510 Ph: 885022{(60 Fac %04$1065-Catbslorefurg Plc SM45S4M-Huston Fax 5*4554 1 -Cal before faxing Ph 5 41*4 98-Turdfim wk 1405 Abb"mE utae Palk SLOP / ba0a eai11rl,PA 18411 Plc 9086/418! tilt 069 Fax 61111W."94 Fax 50!2741130 81141sT. Center 172U15001081ra6t Ella. 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Ph: 452-40&9982 2000 Lkgfmbwn Road Fax 4$482-9984 HwdsW%PA 17102 Ph: 717441-1757 - CNN 4Au9aors of PA Fax M-641-4670 40,1 Wad Street flulag 6 PMSbNIAPA 15222 Ph: 4123908954 PM. X6787-2983 FM 4W-W-9963 Adow ft" HMMhV Authority 196.1461001t6W0W. .0011YOWSPPAIms fac. Y17394A826 CCCB of Weeler. Pennsytvwta, Inc. 912 ltea York, ,PA PA 11403 7403 Ph: 717-8404176 y 6 Q u 71 -4 , µ In the Court of Common Pleas of Cumberland County COUNTRYWIDE HOME LOANS INC. 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff VS. DENISE D. BEARD (Mortgagor(s) and Record Owner(s)) 422 W Shady Lane Enola, PA 17025 Defendant(s) PRAECIPE FOR JUDGMENT No. 06-3500 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. Enter the Judgment in favor of Plaintiff and against DENISE D. BEARD by default for want of an Answer. Assess damages as follows: $107,092.95 Debt Interest - 06/01/2005 to 07/25/2006 Total (Assessment of Damages attached) I CERTIFY THAT FOREGOING ASSESSMENT OF DAMAGES IS FOR SPECIFIED AMOUNTS ALLEGED TO BE DUE IN THE COMPLAINT AND IS CALCULABLE AS A SUM CERT THE COMPLAINT. I certify that written notice of the intention to file this praecipe was mailed or deli red to party against whom judgment is to be entered and to his attorney of record, if any, after the default occurred and t least n days prior to the date of the filing of this praecipe. A copy of the notice is attached. R.C.P. 237.1 Attorney for I.D.#16132 AND NOW 3-C.- 01A COUNTRYWIDE HOME OA INC. and against DENISE D. assessed in the sum of $107,092.95 as per the above certification. Jr. u ent is entered in favor of ID by default fo ant of an Ans er and damages Proth otary r" ? a .-1 Rule of Civil Procedure No. 236 - Revised IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY, PENNSYLVANIA CIVIL ACTION - LAW COUNTRYWIDE HOME LOANS INC. 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff VS. DENISE D. BEARD (Mortgagors and Record Owner(s)) 422 W Shady Lane Enola, PA 17025 Defendant(s) No. 06-3500 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. NOTICE Notice is given that a judgment in the above-captioned matter has been entered against you. Curt Long Prothonc By: i If you have any questions concerning the above, please contact: Joseph A. Goldbeck, Jr. Goldbeck McCafferty & McKeever Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 CWD-4842 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. DATE OF THIS NOTICE: July 12, 2006 TO: DENISE D. BEARD 422 West Shady Lane Enola, PA 17025-2241 COUNTRYWIDE HOME LOANS INC. 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 VS. DENISE D. BEARD (Mortgagor(s) and Record Owner(s)) 422 W Shady Lane Enola, PA 17025 TO: DENISE D. BEARD 422 West Shady Lane Enola, PA 17025-2241 Plaintiff Defendant(s) In the Court of Common Pleas of Cumberland County CIVIL ACTION - LAW Action of Mortgage Foreclosure Tenn No. 06-3500 IMPORTANT NOTTCF. YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. 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. LEGAL SERVICES INC 8Irvine Row Carlisle, PA 17013 717-243-9400 CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr., Esq. Attorney for Plaintiff Suite 5000 - 701 Market Street. Philadelphia, PA 19106 215-825-6318 VERIFICATION OF NON-MILITARY SERVICE The undersigned, as the representative for the Plaintiff corporation within named do hereby verify that I am authorized to make this verification on behalf of the Plaintiff corporation and that the facts set forth in the foregoing verification of Non-Military Service are true and correct to the best of my knowledge, information and belief. I understand that false statements therein are made subject to penalties of 18 Pa. C.S. 4904 relating to unsworn falsification to authorities. 1. That the above named Defendant, DENISE D. BEARD, is about unknown years of age, that Defendant's last known residence is 422 West Shady Lane, Enola, PA 17025-2241, and is engaged in the unknown business located at unknown address. 2. That Defendant is not in the Military or Naval Service of the United States or its Allies, o herwise within the provisions of the Soldiers' and Sailor Relief Action of Congress of 1940 and its Amendments. Date: 'GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attorney I.D. #16132 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff COUNTRYWIDE HOME LOANS INC. 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 VS. DENISE D. BEARD (Mortgagor(s) and Record owner(s)) 422 W Shady Lane Enola, PA 17025 IN THE COURT OF COMMON PLEAS Plaintiff No. 06-3500 ACTION OF MORTGAGE FORECLOSURE Defendant(s) Please enter Judgment in favor of COUNTRYWIDE HOME L BEARD for failure to file an Answer in the above action within (20) da United States of America) from the date of service of the Complaint, in Joseph A. G( Attorney for I hereby certify that the above names are correct and that the l creditor is COUNTRYWIDE HOME LOANS INC. 7105 Corporate L that the name(s) and last known address(es) of the Defendant(s) is/are Lane Enola, PA 17025-2241; of Cumberland County CIVIL ACTION LAW VC., and against DENISE D. :ty (60) days if defendant is the of $107,092.95. Pence address of the judgment B-35 Plano, TX 75024-3632 and D. BEARD, 422 West Shady BY: Joseph A. +Idb fck, Jr. Attorney for Plai? tiff1) McKEEVER • TO THE PROTHONOTARY: ASSESSMENT OF DAMAGES Kindly assess the damages in this case to be as follows: Principal Balance $92,727.39 Interest from 06/01/2005 through $7,732.20 07/25/2006 Reasonable Attorney's Fee $4,636.37 Late Charges $414.17 Costs of Suit and Title Search $900.00 Fees $2,014.91 Escrow Balance -$1,332.09 107,092.95 GOLDBECKIARTY?k McKEEVER BY: Joseph A. G ]dbec Jr. Attorney for Pl ' tiff AND NOW, this day of , 2006 damages are assessed as above. Pr rothy b 1? -;ry T 1 PRAECIPE FOR WRIT OF EXECUTION - (MORTGAGE FORECLOSURE) P.R.C.P 3180-3183 Joseph A. Goldbeck, Jr. Attorney I.D.#16132 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff Plaintiff Defendant(s) IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE No. 06-3500 PRAECIPE FOR WRIT OF EXECUTION TO THE PROTHONOTARY: Issue Writ of Execution in the above matter: COUNTRYWIDE HOME LOANS INC. 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 VS. DENISE D. BEARD Mortgagor(s) and Record Owner(s) 422 W Shady Lane Enola, PA 17025 Amount Due Interest from 06/01/2005 to 0712512006 at 7.2500% (Costs to be added) $107,092.95 BY: Joseph A. G Id k, Jr. Attorney for Pla' iff McKEEVER d U [? ? zF ? ? ?3u? a a ¢ ?' ??ra?+?h ? w 3 gNQ g dA I. All that certain piece or parcel of land situate in East Pennsboro Township, County of Cumberland and Commonwealth of Pennsylvania, more particularly bounded and described as follows: Beginning at a point on the southerly right of way line of Shady Lane, 50 foot right of way, 36 foot paved macadam, said point being at the northwest corner of lot No. 2 on the hereinafter mentioned plan of lots, thence by lot No. 2 south 10 degrees 31 minutes 00 seconds east, for a distance of 150.00 feet to a point at the macadam paved alley; thence by the 10 foot macadam paved alley, south 79 degrees 29 minutes 00 seconds west, a distance of 20.00 feet to a point at lot No. 4 on the hereinafter mentioned plan of lots; thence by lot No. 4, north 10 degrees 31 minutes 00 seconds west, a distance of 150.00 feet to a point on the southern right of way line of Shady Lane, north 79 degrees 29 minutes 00 seconds east, a distance of 20.00 feet to a point at lot No. 2 on the hereinafter mentioned plan of lots, the point and place of beginning. Being lot No. 3 on a Final Subdivision Plan of 418 Shady Lane recorded in Cumberland County Plan Book 86 page 137. TAX PARCEL NO: 09-13-1000 t '-Ilk V WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) N006-3500 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due Countrywide Home Loans Inc. 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff (s) From Denise D. Beard 422 W. Shady Lane Enola, PA 17025 (1) You are directed to levy upon the property of the defendant (s)and to sell see legal description . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a gamishee and is enjoined as above stated. Amount Due$107,092.95 L.L.$.50 Interest from 06/01/2005 to 07/25/2006 at 7.2500% Atty's Comm % Arty Paid $123.20 Plaintiff Paid Date: July 28, 2006 (Seal) REQUESTING PARTY: Name Joseph A. Goldbeck, Jr., Esq. Address: Goldbeck McCafferty & McKeever Due Prothy $1.00 Other Costs CURTI LONG Prothonotary By: Deputy Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106 Attorney for: Plaintiff Telephone: 215-627-1322 Supreme Court ID No. 16132 GoWeeR McCafferty & McKeever BY: Joseph A. Goldbeck, Jr. Attorney I.D. #16132 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff COUNTRYWIDE HOME LOANS INC. 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff VS. IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION - LAW DENISE D. BEARD (Mortgagor(s) and Record Owner(s)) 422 W Shady Lane Enola, PA 17025 ACTION OF MORTGAGE FORECLOSURE Defendant(s) No. 06-3500 AFFIDAVIT PURSUANT TO RULE 3129 COUNTRYWIDE HOME LOANS INC., Plaintiff in the above action, by its attorney, Joseph A. Goldbeck, Jr., Esquire, sets forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located at: 422 W Shady Lane Enola, PA 17025 1.Name and address of Owner(s) or Reputed Owner(s): DENISE D. BEARD 422 West Shady Lane Enola, PA 17025-2241 2. Name and address of Defendant(s) in the judgment: DENISE D. BEARD 422 West Shady Lane Enola, PA 17025-2241 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 Carlisle, PA 17013 PA DEPARTMENT OF PUBLIC WELFARE - Bureau of Child Support Enforcement Health and Welfare Bldg. - Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 4. Name and address of the last recorded holder of every mortgage of record: vw• 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: 6. Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the property which may be affected by the sale. 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale. TENANTSIOCCUPANTS 422 W Shady Lane Enola, PA 17025 (attach separate sheet if more space is needed) I verify that the statements made in this affidavit are true and correct to of my personal knowledge or information and belief. I understand that false statements herein are made subje to nalties of 18 Pa. C.S. Section 4904 relating to unworn falsification to authorities. DATED: July 25, 2006 GOLDBECK] BY: Joseph A. Attorney for P. ?-- _., -, ?-.. :•' G7 r :-?: _r, 5-_ r 06-3500 GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attorney I.D.#16132 Suite 5000- Mellon independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff COUNTRYWIDE HOME LOANS INC. 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION - LAW VS. DENISE D. BEARD Mortgagor(s) and Record Owner(s) 422 W Shady Lane Enola, PA 17025 Term No. 06-3500 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: BEARD, DENISE DENISE D. BEARD 422 West Shady Lane Enola, PA 17025-2241 Your house at 422 W Shady Lane, Enola, PA 17025 is scheduled to be sold at Sheriffs Sale on Wednesday, December 06, 2006, at 10:00 AM, in Commissioners Hearing Rm 2nd FL Courthouse to enforce the courtjudgment of $107,092.95 obtained by COUNTRYWIDE HOME LOANS INC. against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay to COUNTRYWIDE HOME LOANS INC., the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay call: 215-627-1322 ACTION OF MORTGAGE FORECLOSURE 2. You may be able to stop the sale by filing a petition asking the Court to strike or open judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 06-3500 3. You may also be able to stop the sale through other legal proceedings You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES NOT TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid price by calling the Sheriff of 717-240-6390. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call the Sheriff of 717-240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within thirty (30) days from the date of the Sheriffs Sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the schedule of distribution is filed. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. 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 LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 A" Joseph A. Goldbeck, Jr. Attorney I.D. #16132 Suite 5000 -Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff COUNTRYWIDE HOME LOANS INC. 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 VS. DENISE D. BEARD Mortgagor(s) and Record Owner(s) 422 W Shady Lane Enola, PA 17025 Plaintiff Defendant(s) IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE NO. 06-3500 CERTIFICATION AS TO THE SALE OF REAL PROPERTY I, Joseph A. Goldbeck, Jr., Esquire hereby certify that I am the at action, and I further certify that this property is subject to Act 91 of 1983 the provisions of the Act. for the Plaintiff in this has complied with all Joseph A. Gi Attorney for -, = ?: ? , _. ' - ; r ?' <;_; 4,. "?? SHERIFF'S RETURN - REGULAR CASE NO: 2006-03500 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND COUNTRYWIDE HOME LOANS INC VS BEARD DENISE D KENNETH GOSSERT , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon BEARD DENISE D the DEFENDANT , at 1937:00 HOURS, on the 21st day of June at 422 W SHADY LANE ENOLA, PA 17025 by handing to DENISE BEARD a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge Sworn and Subscibed to before me this of So Answers: 18.00 13.20 .00 10.00 R. Thomas Kline .00 41.20./ 06/22/2006 I ?qoc, GOLD13ECK MCCAFFERTY MCKEEVER 2006 By: day , A. D. i .rte GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attomey I.D.#16132 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 CWD-4842 CF: 06/20/2006 SD: 12/06/2006 $107,092.95 COUNTRYWIDE HOME LOANS INC. 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff VS. DENISE D. BEARD Mortgagor(s) and Record Owner(s) 422 W Shady Lane Enola, PA 17025 Defendant(s) IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE Term No. 06-3500 CERTIFICATE OF SERVICE PURSUANT TO Pa.R.C.P. 3129.2 (c) (2) Joseph A. Goldbeck, Jr., Esquire, Attorney for Plaintiff, hereby certifies that service on the Defendants of the Notice of Sheriff Sale was made by: 04 Personal Service by the Sheriffs Office/eempeter*e&* (copy of return attached). ( ) Certified mail by Joseph A. Goldbeck, Jr. (original green Postal return receipt attached). ( ) Certified mail by Sheriffs Office. ( ) Ordinary mail by Joseph A. Goldbeck, Jr., Esquire to Attorney for Defendant(s) of record (proof of mailing attached). ( ) Acknowledgment of Sheriffs Sale by Attorney for Defendant(s) (proof of acknowledgment attached). ( ) Ordinary mail by Sheriffs Office to Attorney for Defendant(s) of record. IF SERVICE WAS ACCOMPLISHED BY COURT ORDER. ( ) Premises was posted by Sheriffs Officelcompetent adult (copy of return attached). ( ) Certified Mail & ordinary mail by Sheriffs Office (copy of return attached). ( ) Certified Mail & ordinary mail by Joseph A. Goldbeck, Jr. (original receipt(s) for Certified Mail attached). Pursuant to the Affidavit under Rule 3129 (copy attached), service on all lienholders (if any) has been made by ordinary mail by Joseph A. Goldbeck, Jr., Esquire (copies of proofs of mailing attached). The undersigned understands that the statements herein are subject to the penalties provided by 18 P.S. Section 4904. e t sub h A. Goldbec , Jr. or P laintiff Vto lp GERT FIEL) MAIL iL t?s3 . - (Domesti c Mail Only . No Insurance Coveraje Provjoeo,? A .11 M Ln N C3 O a C3 r3 cc a J] 0 C] I? ?I C3 o? Oo I v ? m T- Opw 00 --)Q N 0 ! - t ? . e ?' U o l S C Q ? C ?tlNn o a a? _ (q C?v C Q Z d J?jo E u?? R '0 mo c UJ $ n, ENE UT x r y N 0M N ? r Q? N w a H g c c t d U c c d o E z LU .?I g w Bi q a a a W m J C cV P ? C h 3 wc,C E U U c? o $ ?El?? 6 0 m,0 c u? aEi O ) d N Z 0 U- 0- 0 O.M Lc) ch g 3 N Z(0 $ U LLJ WD ? E ? < d? W ? Q d Z i ?i got ?SS o E' "a Z V ' QO0x -0 CN 7 6 a a u m x a = o m m ? ????? 2?mtE Cl N u O (LM m U Oum m a O ?a E z v H E C W a z -- o L a = ?YoWaN WO?W ' ? 0 to E 4) LU m E J F- J O ZO5o=, T- CV M tT L6 (b 00 `? F- c IL c d O i Q. N w O d m a 0 0 N 7 Q U- m 11 N cc .qt 0 co W 0 O Z- CL U 0 vwiF-ft LL- V- Countrywide Home Loans, Inc. In the Court of Common Pleas of VS Cumberland County, Pennsylvania Denise D. Beard Writ No. 2006-3500 Civil Term Shannon Shertzer, Deputy Sheriff, who being duly sworn according to law, states that on September 21, 2006 at 1830 hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendant to wit: Denise D. Beard, by making known unto Denise Beard personally, at 422 West Shady Lane, Enola, Cumberland County, Pennsylvania its contents and at the same time handing to her personally the said true and correct copy of the same. William Cline, Deputy Sheriff, who being duly sworn according to law, states that on October 11, 2006 at 1118 hours, he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Denise D. Beard located at 422 West Shady Lane, Enola, Cumberland County, Pennsylvania according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendant, to wit: Denise D. Beard, by regular mail to her last known address of 422 W. Shady Lane, Enola, PA 17025. This letter was mailed under the date of October 05, 2006 and never returned to the Sheriffs Office. Soo Answers: R. Thomas Kline, Sheriff BY Real Estate ergeant 10 GOLDBECK MCCAMRTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attorney I.D.#16132 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-825-6320 Attorney for Plaintiff COUNTRYWIDE HOME LOANS INC. 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff of Cumberland County CIVIL ACTION - LAW VS. DENISE D. BEARD Mortgagor(s) and Record Owner(s) 422 W Shady Lane Enola, PA 17025 ACTION OF MORTGAGE FORECLOSURE Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129 Term No. 06-3500 COUNTRYWIDE HOME LOANS INC., Plaintiff in the above action, by its attorney, Joseph A. Goldbeck, Jr., Esquire, sets forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located at: 422 W Shady Lane Enola, PA 17025 1.Name and address of Owner(s) or Reputed Owner(s): DENISE D. BEARD 422 West Shady Lane Enola, PA 17025-2241 2. Name and address of Defendant(s) in the judgment: DENISE D. BEARD 422 West Shady Lane Enola, PA 17025-2241 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 Carlisle, PA 17013 PA DEPARTMENT OF PUBLIC WELFARE - Bureau of Child Support Enforcement Health and Welfare Bldg. - Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 IN THE COURT OF COMMON PLEAS 4. Name and address of the last recorded holder of every mortgage of record: 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: 6. Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the property which may be affected by the sale. 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale. TENANTS/OCCUPANTS 422 W Shady Lane Enola, PA 17025 (attach separate sheet if more space is needed) I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unworn falsification to authorities. DATED: November 20, 2006 ECK McCAFFERTY & McKEEVER ph A. Goldbeck, Jr., Esq. for Plaintiff firer} C) > -' Co =VY x* Q rn ? • • tip.,, _ t ? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Denise D. Beard Civil Action No. VS. Countrywide Home Loans, Inc. : PETITION TO SET ASIDE A SHERIFF'S SALE NOTICE AND COMPLAINT NOTICE TO DEFEND 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 Notice is served, by entering a written appearance personally or by an 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. CUMBERLAND COUNTY BAR ASSOCIATION Two Liberty Avenue Carlisle, Pennsylvania 17013 (717) 249-3166 1-800-990-9108 • J e IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ` CIVIL DIVISION Denise D. Beard Plaintiff Civil Action No. VS. Countrywide Home Loans, Inc. :..PETITION TO SET ASIDE A SHERIFF'S Defendant SALE PETITION TO SET ASIDE A SHERIFF'S SALE The petition of DENISE D. BEARD represents as follows: 1. Denise D. Beard is an adult individual residing at 422 West Shady Lane, Enola, PA 17025. 2. Countrywide Home Loans, Inc., holds a first mortgage on the above referenced property and the address of Countrywide Home Loans, Inc. is 7105 Corporate Drive PTX-B-35, Plano, TX 75024. • Countrywide Home Loans, Inc., at all times relevant herein, has been represented by Attorney Joseph A. Goldbeck, Jr., 701 Market Street, Philadelphia, PA 19106. Attorney Goldbeck's telephone number is (215) 627-1322. 3. Denise D. Beard filed for relief under Chapter 13 of the Bankruptcy Code on or about December 2, 2006. 4. The purpose of the filing of the Chapter 13 was to prevent a Sheriffs Sale from happening against her real estate. This sale was initially set for December 6, 2006 by the Office of the Sheriff in and for Cumberland County, Pennsylvania. 5. The petition was filed in good faith; the December 6, 2006 Sheriffs Sale was cancelled and did not occur. 6. Unknown to Denise D. Beard, and without notice to her individually or her legal counsel of record, and without posting the property in any way, the mortgage company caused the sale of her property to occur on February 7, 2007. The mortgage company purchased the real estate for $1.00 and the amount of their mortgage lien. The real estate purchased is known and numbered as 422 West Shady Lane, Enola, PA 17025. 7. The sale of Denise D. Beard's property without notice of any nature or sort to her or her legal counsel of record vitiates the legitimacy and legality of the Sheriff's Sale. 8. Denise D. Beard did list this property for sale and a contract for sale has been executed. This contract is marked as Exhibit "A". 9. Denise D. Beard will have a final closing and/or settlement on this real estate, the subject matter of this petition, on February 23, 2007, at which time Countrywide Home Loans, Inc. will be paid in full the obligation due and owing to them on account of their mortgage. 10. In addition to full payment of the mortgage to Countrywide, there will be proceeds in excess of expenses that would lawfully go to Denise D. Beard in the approximate amount of $14,255.00. See Exhibit "B". 11. This lack of notice of any nature or sort, posting, letter or otherwise, violates the law and is certainly prejudicial to the plaintiff. WHEREFORE, plaintiff respectfully prays that this honorable court set aside the Sheriffs Sale of the property known and numbered as 422 West Shady Lane, Enola, PA 17025 that occurred on February 7, 2007 to Countrywide Home Loans, Inc. and declare this property to be the property of Denise D. Beard. Respectfully submitted, Date: L ^ 9- O M. BACH, Esquire -at-Law Attorney ID # 18727 352 S. Sporting Hill Road Mechanicsburg, PA 17050 717-737-2033 VERIFICATION I verify that the statements made in this Complaint are true and correct. I understand that false statements herein made or subject to penalties of 18 PA. C.S. §4904, relating to unworn falsification to authorities. . ° 7 Denise D. Beard, Plaintiff Jan 26 07 05:04p Daniel Huffer 717-230-8142 STANDARD AGREEMENT FOR THE SALE OF REAL ESTATE This k+m recommended and approved for, but not restricted to use b% the men+bers of t1w PeensyRints Assocta11011 SELLKR'S BUSINESS RELATIONSHIP WITH PA LICENSED BI BROKER (COOPSn}) L X 117 -16 ADDRESS LICENSEE(S) BROKER is I'VE AGENT FO ELLER. Broker Is NOT the Agent for Seller and is alan: OR (if checked below): ? AGENT FOR BUYER ? TRANSACTION LICENSEE (r"). P.-2' . AIS-R Desiluated Agent? ? Yes ? No BUYER'S BUS*SS RELATIONSHIP WITH PA LICENSED BROOR ' l O-G BROKER (Corni?sny)W - ,? !zNn ?4-L PHONE ' u 9 ADDRESS FAX LICENSEE(S) IS4 f .4k??UN%4 -14- Dlesignated Agent? Ryes O No BROKER IS T]HEAGENT FOR BUYER. OR Of checked below): Broker Is NOT tle Agent for Buyer and is a/an: ? AGENT FOR SELLER ? SUBAGENT FOR SELLER ? TRANSACTION LICENSE W hen the same Proker is Agent for Seller and Agent for Buyer, Broker Is a Dual Agent. All of Broker's licensees are Iso Dual Agents UNLESS there are separate Designated Agents for Buyer and Seller. If the same Licensee is designated for Seller and Buyer, the Licensee Is a Dual Agent. I 1. lgbht gY ll?e?Ct, dated C n L (t N.AA L-Q 0c.) is between t 2 3 L 5 6 7 a 9 10 11 t2 13 14 1; 1s 17 is 19 2a 21 22 23 24 2s 25 27 28 2s 30 31 32 33 34 35 36 37 36 39 4e 41 SELLERS): called "Seller," and called "Buyer." 2. PROPERTY (94S) Seller hereby agrees to sell and convey to Buyer, who hereby agrees to purchase: ALL THAT CERTAIN lot or pleiEsof ground with ildings and i rovetuents the a erected, if any, known as: in the ?..?e" `-k i. . r, of ?.'?. county of t:??V In the Commonwealth l' Pennsylvania. Identification (e.g., Tax iD #; Parcel Lot, Black; Deed Book, Page, Recording Dlttc): P. ow" 3. TERMS ("5) ?? t ) (A) Purchase Prife which will be paid to Seller by Buyer as follows: /) (r s ' "" ?' "' ? - " - _ - _0V f 1. Cash or check at signing this Agreetnctst: u 1 Lit- tr 4 C/r C $ 2. Cash or check wktin _?___ days of the execution of this A dme $ - C ~ 3. S L 00 00 04 - S ~ 4. Cash or cashier's check at time of s tsorsettletnet (B) Deposits Paid by Buyer within 30 will be by cash or cashiers check. Deposits, regardless of the form of payment and the person designated as payee, will be paid in U.S. Dollars to Broker for Seller (unless otherwise stated here), who will retain deposits in an escrow account until consummation or termination of this Agreement in conform' y with all applicable laws and regulations. Any check tendered as depo ' ies may be held uncashcd pending the acceptance of dio, cot. (G) Seller's written ap r va n or before: - V G~1 (D) Scttlcrllc:nt to be ? . e% " ' __W;? ?_ I , or before if Buyer and Seller agree. (E) Seitierneni wt u the county where the Property is located or in an adjacent county, during normal business hours, unless Buyer and Seiler agr o ierwise. (h) conveyance from Seller will be by fee simple deed of special warranty unless otherwise stated here: (G) Payment of transfer taxer will be divided equally between Buyer and Seller unless otherwise stated here: (H) At time of settlement, the following will be adjusted pro-rata on a daily basis between Buyer and Seiler, reimbursing where applicable: cur- rent taxes (see Information Regarding Real Estate Taxes); rents; interest on mortgage assumptions; condominium fees and homeowner asso- ciation fees; water and/or sewer fees, together with any other iienable municipal service. All charges will be pro-rated for the period(s) cov- ered. Seller will pay up to and including the date of settlement and Buyer will pay for all days following settlerrnetnt, unless otherwise stat- ed litre' s• A/S-R Page 1 of 10 ?PYLVANIA 6elktf•iakials• ' • Revised 9185 F ILK REALTORP 9105 Wr_W^"& I _f -? 2 ftons?ot vaalda Assodation of COPIPGHT p ASSOCIATION OF REALTORS& 2005 3 4 5 6 8 9 10 11 12 19 20 21 22 23 24 25 is 27 28 29 30 31 32 33 34 35 36 37 36 39 40 41 Jan 26 07 05:08p Daniel Huffer W 34.,,' SPECIAL CLAUSES (1-02) 574 (A) The following are part of this Agreement if checked: SK ? Sate & Settlement of Other Property 376 Contingency Addendum (PAR Form SSP) 577 ? Sale & Settlement of Other Property Contingency 676 with Right to Continue Marketing S79 Addendum(PAR Form SSP-CM) no f8) Sol 582 583 584 585 586 Sal sm 589 590 591 592 593 594 595 5% 597 717-230-8142 P-1I aw 574 Q Settlement of Other Property Contingency Addendum (PAR Form SOP) 573 ? Tenant-Occupied Property Addendum (PAR Form TOP) 878 ? 577 ? 578 ? s79 560 561 562 667 661 so 566 587 586 sag 590 581 592 593 594 so 595 s9T M Buyer and Seller acknowledge receipt of a copy of this Agreement at the thne of signing. 396 sse NOTICE TO PARTIES: WHEN SIGNED, THIS AGREEMENT IS A BINDING CONTRACT. Parties to this transaction are advised to consult sot boo an attorney before signing if they desire legal advice. 600 601 Return by facsimile transmission (FAX) of this Agreement, and any addenda and amendments, bearing the signatures of all partim consWates 601 sot acceptance by the parties. 602 603 -?e Buyer has received the Consumer Notice as adopted by the State Rest Estate Commission at 49 Pa. Code §35.336. 603 604 JK Buyer has received a statement of Buyer's estimated closing costs before signing this Agmement. 604 soy At Buyer has read and understands the notices and explanatory information in this Agreement. 6os 606 --' Buyer has received a Seller's Property Disclosure Statement before signing this Agreement, if required by law (see Information Regarding 606 607 the Real Estate Seller Disclosure Law). 607 606 Buyer has received the Deposit Money Notice (for cooperative sales when Broker for Seiler is bolding deposit money) before signing this 606 609 Agreement. 609 610 BUYER'S MAILING ADDRESS: '/'`??? v "Y 1/? _?? i-? 610 fill 612 611 612 so W1TNFSS BUYER'- DATE 613 6la WITNESS BUYER DATE 614 GiS Seller hn received the Consumer Notice as adopted by the State Real Estate Commission at 49 Pa. Code §33.336. sie Seger bas received a statement of Seller's estimated closing costs before signing this Agreement 617 Seller has read and understands the notices and explanatory informagon in this Agreement 616 SELLER'S MAILING ADDRESS: 619 620 its 616 617 oil 619 DATE --I - C 6m 621 WITNESS v ? SELLER BATE bar 622 WITNESS SELLER DATE 84 A/S-R Page 10 of 10 Revised 9105 Ger.-.I 1 an-C` nnnv ?x H Net Proceeds to Seller for Denise Beard The following data is for information purposes only and accuracy of the figures hereinafter set forth is not guaranteed. , The actual costs with respect to each trasaction will vary depending upon the circumstances. Sale Price $137,500.00 Estimated Closing Costs Present Mortgage Balance - Loan 1 $112,000.00 Present Mortgage Balance - Loan 2 $0.00. Broker Commission $9,625.00 Seller Discount Points $0.00 Tax Service Fee $0.00 Notary Fee $20.00 Document & Deed Preparation $100.00 State Transfer Tax $1,375.00 Estimated Repairs $0.00 Home Warranty $0.00 Flood Certification $0.00 Wood Infestation Inspection $0.00 Locate and Pump Septic $0.00 Private Water Testing $0.00 Transaction Fee $125.00 Buyer Closing Costs Paid by Seller $0.00 Total Expenses $123,245.00 Net Proceeds to Seller $14,255.00 THE ABOVE PROCEEDS AT SETTLEMENT DO NOT INCLUDE PRO-RATION OF REAL PROPERTY TAXES AND RENTS, MORTGAGE LIENS, MUNICIPAL ASSESSMENTS, CONDOMINIUM CHARGES OR APPLICABLE CERTIFICATION AND/OR INSPECTION FEES. THE AMOUNTS ABOVE ARE ESTIMATES. ACTUAL COSTS WILL VARY WITH EACH PROPERTY. I/We hereby acknowledge receipt of a copy of this Statement of Estimated Seller's Costs, and understand and agree to the charges indicated herein. Seller Seller ___ -Seller Prepared by: CPML an January 26, 2007 I/ // 46 v l `•, ' C5 f DENISE D. BEARD, Plaintiff V. COUNTRYWIDE HOMES LOANS, INC., Defendant IN THE COURT OF COMMON PLEAS OF CUMBERALND COUNTY, PENNSYLVANIA NO 06-3500 CIVIL PETITION TO SET ASIDE A SHERIFF'S SALE ORDER OF COURT AND NOW, this 9th day of February, 2007, upon consideration of the Plaintiff's Motion to Set Aside A Sheriff's Sale, IT IS HEREBY ORDERED AND DIRECTED that: 1. A rule is issued upon the Defendant to show cause why the plaintiff is not entitled to the relief requested; 2. The defendant will file an answer to this petition on or before March 1, 2007; 3. A copy of said answer Will be filed with this Court; 4. If no answer to the Rulel to Show cause is filed by the required date, the relief requested by Plaintiff shall be granted upon the court's receipt of a Motion requesting Rule be made Absolute. If the Defendant files an answer to this Rule to Show Cause, and the answer raises disputed issues of material fact, an evidentiary hearing will then be scheduled. 5. In the interim, all proceedings regarding this Sheriff's Sale including further action by the Sheriff shall be stayed. By the Court, M. L. Ebert, Jr., /mes M. Bach, Esquire Attorney for Plaintiff /oseph A. Goldbeck, Jr., Esquire Attorney for Countrywide Home Loans, Inc. a Cumberland County Sheriff o?LOG&L..'t bas J. F; I ' J 6 " (Q -] A t,'OZ GOLDBECK McCAFFERTY & McKEEVER A Professional Corporation By: David Fein, Esquire Attorney I.D. #: 82628 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 (215) 627-1322 ATTORNEY FOR PLAINTIFF COUNTRYWIDE HOME LOANS INC. VS. DENISE D. BEARD IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY No. 06-3500 PLAINTIFF'S RESPONSE TO DEFENDANT'S PETITION TO SET ASIDE SHERIFF'S SALE Plaintiff, Countrywide Home Loans, Inc. ("Plaintiff'), by and through its undersigned counsel, hereby responds to the Petition to Set Aside Sheriffs Sale of defendant, Denise D. Beard ("Defendant"), as follows: 1. Admitted. 2. Admitted. 3. Admitted. 4. Plaintiff is without information as to why Defendant filed for bankruptcy protection. It is admitted that the subject property was originally listed to be sold at the December 6, 2006 Sheriffs sale. 5. Denied. The averment in paragraph five (5) regarding good faith is a conclusion of law to which no responsive pleading is required. It is denied that the Sheriff s sale was canceled. Rather, Plaintiff postponed the sale to February 7, 2007 pursuant to Pa. R.C.P. No. 3129.3(b). 6. Denied as characterized. Pursuant to Rule 3129.3(b), if a Sheriffs Sale of a property is postponed to a date certain within one hundred days, and public announcement thereof is made, then no new notice is required. In the present case, the Sheriff s sale of the subject property was postponed to February 7, 2007, which is 63 days from the date of the original sale. As such, no new notice was required. Nonetheless, on December 5, 2006, Plaintiff's counsel's office sent an e-mail to Defendant's counsel advising Defendant's counsel of the postponement. This notice was also mailed to Defendant. A true and correct copy of the e-mail is attached hereto and marked as Exhibit A. It is admitted that Plaintiff purchased the subject property for $1.00 at the February 7, 2007 Sheriff's sale. 7. Denied. The averments in paragraph seven (7) are conclusions of law to which no response is necessary. By way of further response, Plaintiff complied with all applicable notice rules, and the Sheriff's sale of the subject property was properly held. 8. The averments of paragraph eight (8) refer to a document which is in writing and speaks for itself. Any characterization thereof is therefore denied. 9. Denied. Plaintiff is without sufficient knowledge, information or belief to form an opinion to the truth or falsity of the averments of paragraph nine (9) and, as such, the same are denied. By way of further response, Defendant no longer owns the subject property, and thus cannot sell the subject property. 10. Plaintiff is without sufficient knowledge, information or belief to form an opinion to the truth or falsity of the averments of paragraph ten (10) and, as such, the same are denied. 11. Denied. The averments in paragraph eleven (11) are conclusions of law to which no response is necessary. By way of further response, Plaintiff complied with all notice rules. WHEREFORE, Plaintiff respectfully requests this Honorable Court deny Defendant's Petition to Set Aside Sheriff's Sale. Respectfully submitted, GOLDBECK McCAFFERTY & McKEEVER David Fein, Esquire Attorney for Plaintiff GOLDBECK McCAFFERTY & McKEEVER A Professional Corporation ATTORNEY FOR PLAINTIFF By: David Fein, Esquire Attorney I.D. #: 82628 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 (215) 627-1322 COUNTRYWIDE HOME LOANS INC VS. DENISE D. BEARD IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY No. 06-3500 MEMORADUM OF LAW IN SUPPORT OF PLAINTIFF'S RESPONSE TO DEFENDANT'S PETITION TO SET ASIDE SHERIFF'S SALE 1. FACTS Plaintiff filed its Complaint in mortgage foreclosure on June 20, 2006. Due to Defendant's failure to file a responsive pleading, a default judgment was entered against her on July 28, 2006. Plaintiff also filed a writ of execution and scheduled the property for the December 6, 2006 Cumberland County Sheriff s sale. Defendant filed for bankruptcy protection on December 2, 2006, and the Sheriffs sale was postponed to February 7, 2007. Bankruptcy relief was granted on January 25, 2007. As a result, the subject property was sold at the February 7, 2007 Sheriff s sale. II. ARGUMENT Defendant alleges that the Sheriff s sale should be set aside because she was not properly notified that the Sheriffs sale was postponed to February 7, 2007. Pursuant to Rule 3129.3(b), if a Sheriffs Sale of a property is postponed to a date certain within one hundred days, and public announcement thereof is made, then no new notice is required. In the present case, the Sheriff s sale of the subject property was postponed to February 7, 2007, which is 63 days from the date of the original sale. As such, no new notice was required. Nonetheless, on December 5, 2006, Plaintiffs counsel's office sent an e-mail to Defendant's counsel advising Defendant's counsel of the postponement. This notice was also mailed to Defendant. A true and correct copy of the e-mail is attached hereto and marked as Exhibit A. III. CONCLUSION For the reasons stated above, Plaintiff respectfully requests that this Honorable Court deny Defendant's Petition. Respectfully submitted, GOLDBECK, McCAFFERTY & McKEEVER David Fein, Esquire Attorney for Plaintiff VERIFICATION DAVID FEIN, ESQUIRE hereby states that he is the attorney for Plaintiff herein, and that all of the facts set forth in the attached Response to Defendant's Petition to Set Aside Sheriffs Sale are true and correct to the best of his knowledge, information and belief. The undersigned understands that statements herein are made subject to the penalties of 18 P.S. section 4904. David Fein, Esquire Attorney for Plaintiff EXHIBIT "A 99 GOLDBECK McCAFFERTY & McKEEVER Page 1 of 3 Lisa Lee From: Amy Gough Sent: Thursday, February 15, 2007 1:36 PM To: Lisa Lee Subject: FW: Sale postponed DENISE D. BEARD Importance: High -----Original Message----- From: Amy Gough Sent: Tuesday, December 05, 2006 2:48 PM To: jamesbach@comcast.net Subject: Sale postponed DENISE D. BEARD Importance: High GOLDBECK McCAFFERTY & McKEEVER A PROFESSIONAL CORPORATION SurrE 5000 - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106-1532 (215) 627-1322 FAX (215) 627-7734 December 5, 2006 R. Thomas Kline SHERIFF OF CUMBERLAND COUNTY Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 FAX 717-240-6397 BOOK 22 RE: COUNTRYWIDE HOME LOANS INC. VS. DENISE D. BEARD Term No. 06-3500 Proper y address: 422 W Shady Lane Enola, PA 17025 Sheriffs Sale Postpone Date: February 07, 2007 Dear Sir/Madam: Cumberland Kindly POSTPONE, due to a bankruptcy filing, the above-captioned Sheriffs Sale scheduled for December 06, 2006 to February 07, 2007. Thank you for your cooperation. Very truly yours, Goldbeck McCafferty & McKeever 2/15/2007 GOLDBECK McCAFFERTY & McKEEVER JAG/AmyG cc: DENISE D. BEARD 422 West Shady Lane Enola, PA 17025-2241 James M Rae, Esquire Email: jamesbach@comcast.net Page 2 of 3 BY: Joseph A. Goldbeck, Jr. JOSEPH A. GOLDBECK, JR. Bankruptcy Information: Chapter 13, Case Number #06-02787, Filing Date: 12/02/2006 2/15/2007 GOLDBECK McCAFFERTY & McKEEVER A Professional Corporation By: David Fein, Esquire Attorney I.D. #: 82628 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 (215) 627-1322 ATTORNEY FOR PLAINTIFF COUNTRYWIDE HOME LOANS INC. VS. IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY DENISE D. BEARD No. 06-3500 CERTIFICATION OF SERVICE I hereby certify that a true and correct copy of Plaintiff's Response to Defendant's Petition to Set Aside Sheriff's Sale was sent by first class mail, postage pre-paid, upon the following on the date listed below: James M. Bach, Esquire 352 South Sporting Hill Road Mechanicsburg, PA 17050 GOLDBECK McCAFFERTY & McKEEVER Date: o1? 7 ui,?& uxl? Cheryl A. Dil us Sr. Litigation Paralegal r,Z>i?r+ _ry s N , _ Lr X GOLDBECK McCAFFERTY & McKEEVER A Professional Corporation By: David Fein, Esquire Attorney I.D. #: 82628 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 (215) 627-1322 ATTORNEY FOR PLAINTIFF COUNTRYWIDE HOME LOANS INC VS. DENISE D. BEARD IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY No. 06-3500 PLAINTIFF'S RESPONSE TO DEFENDANT'S PETITION TO SET ASIDE SHERIFF'S SALE Plaintiff, Countrywide Home Loans, Inc. ("Plaintiff'), by and through its undersigned counsel, hereby responds to the Petition to Set Aside Sheriff s Sale of defendant, Denise D. Beard ("Defendant"), as follows: Admitted. 2. Admitted. 3. Admitted. 4. Plaintiff is without information as to why Defendant filed for bankruptcy protection. It is admitted that the subject property was originally listed to be sold at the December 6, 2006 Sheriff s sale. 5. Denied. The averment in paragraph five (5) regarding good faith is a conclusion of law to which no responsive pleading is required. It is denied that the Sheriff's sale was canceled. Rather, Plaintiff postponed the sale to February 7, 2007 pursuant to Pa. R.C.P. No. 3129.3(b). 6. Denied as characterized. Pursuant to Rule 3129.3(b), if a Sheriffs Sale of a property is postponed to a date certain within one hundred days, and public announcement thereof is made, then no new notice is required. In the present case, the Sheriff s sale of the subject property was postponed to February 7, 2007, which is 63 days from the date of the original sale. As such, no new notice was required. Nonetheless, on December 5, 2006, Plaintiff's counsel's office sent an e-mail to Defendant's counsel advising Defendant's counsel of the postponement. This notice was also mailed to Defendant. A true and correct copy of the e-mail is attached hereto and marked as Exhibit A. It is admitted that Plaintiff purchased the subject property for $1.00 at the February 7, 2007 Sheriff s sale. 7. Denied. The averments in paragraph seven (7) are conclusions of law to which no response is necessary. By way of further response, Plaintiff complied with all applicable notice rules, and the Sheriff's sale of the subject property was properly held. 8. The averments of paragraph eight (8) refer to a document which is in writing and speaks for itself. Any characterization thereof is therefore denied. 9. Denied. Plaintiff is without sufficient knowledge, information or belief to form an opinion to the truth or falsity of the averments of paragraph nine (9) and, as such, the same are denied. By way of further response, Defendant no longer owns the subject property, and thus cannot sell the subject property. 10. Plaintiff is without sufficient knowledge, information or belief to form an opinion to the truth or falsity of the averments of paragraph ten (10) and, as such, the same are denied. 11. Denied. The averments in paragraph eleven (11) are conclusions of law to which no response is necessary. By way of further response, Plaintiff complied with all notice rules. WHEREFORE, Plaintiff respectfully requests this Honorable Court deny Defendant's Petition to Set Aside Sheriff s Sale. Respectfully submitted, GOLDBECK McCAFFERTY & McKEEVER David Fein, Esquire Attorney for Plaintiff GOLDBECK McCAFFERTY & McKEEVER A Professional Corporation ATTORNEY FOR PLAINTIFF By: David Fein, Esquire Attorney I.D. #: 82628 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 (215) 627-1322 COUNTRYWIDE HOME LOANS INC. VS. DENISE D. BEARD IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY No. 06-3500 MEMORADUM OF LAW IN SUPPORT OF PLAINTIFF'S RESPONSE TO DEFENDANT'S PETITION TO SET ASIDE SHERIFF'S SALE 1. FACTS Plaintiff filed its Complaint in mortgage foreclosure on June 20, 2006. Due to Defendant's failure to file a responsive pleading, a default judgment was entered against her on July 28, 2006. Plaintiff also filed a writ of execution and scheduled the property for the December 6, 2006 Cumberland County Sheriff's sale. Defendant filed for bankruptcy protection on December 2, 2006, and the Sheriff's sale was postponed to February 7, 2007. Bankruptcy relief was granted on January 25, 2007. As a result, the subject property was sold at the February 7, 2007 Sheriff's sale. II. ARGUMENT Defendant alleges that the Sheriff's sale should be set aside because she was not properly notified that the Sheriff's sale was postponed to February 7, 2007. Pursuant to Rule 3129.3(b), if a Sheriff's Sale of a property is postponed to a date certain within one hundred days, and public announcement thereof is made, then no new notice is required. In the present case, the Sheriff's sale of the subject property was postponed to February 7, 2007, which is 63 days from the date of the original sale. As such, no new notice was required. Nonetheless, on December 5, 2006, Plaintiff's counsel's office sent an e-mail to Defendant's counsel advising Defendant's counsel of the postponement. This notice was also mailed to Defendant. A true and correct copy of the e-mail is attached hereto and marked as Exhibit A. III. CONCLUSION For the reasons stated above, Plaintiff respectfully requests that this Honorable Court deny Defendant's Petition. Respectfully submitted, GOLDBECK, McCAFFERTY & McKEEVER David Fein, Esquire Attorney for Plaintiff VERIFICATION DAVID FEIN, ESQUIRE hereby states that he is the attorney for Plaintiff herein, and that all of the facts set forth in the attached Response to Defendant's Petition to Set Aside Sheriffs Sale are true and correct to the best of his knowledge, information and belief. The undersigned understands that statements herein are made subject to the penalties of 18 P.S. section 4904. David Fein, Esquire Attorney for Plaintiff EXHIBIT 46A 99 GOLDBECK WCAFFERTY & McKEEVER Page 1 of 3 Lisa Lee From: Amy Gough Sent: Thursday, February 15, 2007 1:36 PM To: Lisa Lee Subject: FW: Sale postponed DENISE D. BEARD Importance: High -----Original Message---- From: Amy Gough Sent: Tuesday, December 05, 2006 2:48 PM To: 'jamesbach@comcast.net Subject: Sale postponed DENISE D. BEARD Importance: High GOLDBECK McCAFFERTY & McKEEVER A PROFESSIONAL CORPORATION SurrE 5000 - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106-1532 (215) 627-1322 FAX (215) 627-7734 December 5, 2006 R. Thomas Kline SHERIFF OF CUMBERLAND COUNTY Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 FAX 717-240-6397 BOOK 22 RE: COUNTRYWIDE HOME LOANS INC. VS. DENISE D. BEARD Term No. 06-3500 ProneM address. 422 W Shady Lane Enola, PA 17025 Sheriffs Sale Postpone Date: February 07, 2007 Dear Sir/Madam: Cumberland Kindly POSTPONE, due to a bankruptcy filing, the above-captioned Sheriffs Sale scheduled for December 06, 2006 to February 07, 2007. Thank you for your cooperation. Very truly yours, Goldbeck McCafferty & McKeever 2/15/2007 GOLDBECK McCAFFERTY & McKEEVER Page 2 of 3 BY: Joseph A. Goldbeck, Jr. JOSEPH A. GOLDBECK, JR. JAG/AmyG cc: DENISE D. BEARD 422 West Shady Lane Enola, PA 17025-2241 James M Rae, Esquire Email: jamesbach@comcast.net Banlcr ptcy Information: Chapter 13, Case Number #06-02787, Filing Date: 12/02/2006 2/15/2007 GOLDBECK McCAFFERTY & McKEEVER A Professional Corporation By: David Fein, Esquire Attorney I.D. #: 82628 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 (215) 627-1322 ATTORNEY FOR PLAINTIFF COUNTRYWIDE HOME LOANS INC. VS. IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY DENISE D. BEARD No. 06-3500 CERTIFICATION OF SERVICE I hereby certify that a true and correct copy of Plaintiff's Response to Defendant's Petition to Set Aside Sheriffs Sale was sent by first class mail, postage pre-paid, upon the following on the date listed below: James M. Bach, Esquire 352 South Sporting Hill Road Mechanicsburg, PA 17050 GOLDBECK McCAFFERTY & McKEEVER Date: C9 2L Cheryl A. Dil us Sr. Litigation Paralegal r-a C ro t r o DENISE D BEARD, IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. NO. 06-3500 CIVIL COUNTRYWIDE HOMES LOANS, INC., Defendant PETITION TO SET ASIDE A SHERIFF'S SALE PRAECIPE Denise D Beard here withdraws her petition to set aside a Sheriff's Sale. Respectfully submitted, JA M BACH, Esquire A ney-at-Law orney ID #18727 52 S. Sporting Hill Road Mechanicsburg, PA 17050 717-737-2033 COUNTRYWIDE HOME IN THE COURT OF COMMON PLEAS OF LOANS, INC. CUMBERALND COUNTY, PENNSYLVANIA Plaintiff V. : NO. 06-3500 CIVIL PETITION TO SET ASIDE A SHERIFF'S DENISE D. BEARD SALE Defendant ORDER OF COURT AND NOW, this 6t" day of March, 2007, upon consideration of the Petition to Set Aside Sheriff's Sale, the Plaintiff's Response thereto and the Praecipe filed by James M. Bach, Esquire withdrawing the Petition to Set Aside Sheriff's Sale, IT IS HEREBY ORDERED AND DIRECTED that the Petition to Set Aside Sheriff's Sale is hereby deemed WITHDRAWN. By the Court, C','kav?A C,- -i v/ames M. Bach, Esquire Attorney for Denise Beard ,?,eph A. Goldbeck, Jr., Esquire Attorney for Countrywide Home Loans, Inc. Cumberland County Sheriff bas 4 9 S ? IN 9- 1, LUZ >?BDECK McCAFFERTY & MCKEEVER ---- W Joseph A. Goldbeck, Jr. Attorney I.D. #16132 Suite 5000 - Mellon Independence Center 70f Market Street Philadelphia, PA 19106 215-825-6312 Attorney for Plaintiff COUNTRYWIDE HOME LOANS INC. 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff VS. DENISE D. BEARD (Mortgagor(s) and Record owner(s)) 422 W Shady Lane Enola, PA 17025 PRAECIPE TO SATISFY JUDGMENT TO THE PROTHONOTARY: No. 06-3500 Kindly Satisfy the Judgment in the above captioned matter upon payment of your costs only. JOSEPH A. GOLDBECK, JR., ESQUIRE IN THE COURT OF COMMON PLEAS of Cumberland County ? ? CJ ? L rT*l rnr- t T-1 C C DM p '< Countrywide Home Loans, Inc. In the Court of Common Pleas of VS Cumberland County, Pennsylvania Denise D. Beard Writ No. 2006-3500 Civil Term Shannon Shertzer, Deputy Sheriff, who being duly sworn according to law, states that on September 21, 2006 at 1830 hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendant to wit: Denise D. Beard, by making known unto Denise Beard personally, at 422 West Shady Lane, Enola, Cumberland County, Pennsylvania its contents and at the same time handing to her personally the said true and correct copy of the same. William Cline, Deputy Sheriff, who being duly sworn according to law, states that on October 11, 2006 at 1118 hours, he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Denise D. Beard located at 422 West Shady Lane, Enola, Cumberland County, Pennsylvania according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendant, to wit: Denise D. Beard, by regular mail to her last known address of 422 W. Shady Lane, Enola, PA 17025. This letter was mailed under the date of October 05, 2006 and never returned to the Sheriffs Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ is returned STAYED per letter of instruction from Attorney Joseph Goldbeck. Sheriff s Costs: Docketing 30.00 Poundage 13.48 Posting Bills 15.00 Advertising 15.00 Law Library .50 Prothonotary 1.00 Mileage 26.40 Certified Mail 1.56 Levy 15.00 Surcharge 20.00 Law Journal 263.00 Patriot News 260.66 Share of Bills 15.94 $ 687.54 So Answers: R. Thomas Kline, Sheriff BY Indl-tl &A L Real Estat Sergeant SU4? Goldbeck McCafferty & McKeever BY: Joseph A. Goldbeck, Jr. Attorney I.D. #16132 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff COUNTRYWIDE HOME LOANS INC. 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff vs. DENISE D. BEARD (Mortgagor(s) and Record Owner(s)) 422 W Shady Lane Enola, PA 17025 Defendant(s) IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE No. 06-3500 AFFIDAVIT PURSUANT TO RULE 3129 COUNTRYWIDE HOME LOANS INC., Plaintiff in the above action, by its attorney, Joseph A. Goldbeck, Jr., Esquire, sets forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located at: 422 W Shady Lane Enola, PA 17025 1.Name and address of Owner(s) or Reputed Owner(s): DENISE D. BEARD 422 West Shady Lane Enola, PA 17025-2241 2. Name and address of Defendant(s) in the judgment: DENISE D. BEARD 422 West Shady Lane Enola, PA 17025-2241 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 Carlisle, PA 17013 PA DEPARTMENT OF PUBLIC WELFARE - Bureau of Child Support Enforcement Health and Welfare Bldg. - Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 4. Name and address of the last recorded holder of every mortgage of record: Am- 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: 6. Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the property which may be affected by the sale. 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale. TENANTS/OCCUPANTS 422 W Shady Lane Enola, PA 17025 (attach separate sheet if more space is needed) I verify that the statements made in this affidavit are true and correct to of my personal knowledge or information and belief. I understand that false statements herein are made subje to nalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. DATED: July 25, 2006 -.4x I GOLDBECK C RTY McKEEVER BY: Joseph A. Gold eck, Jr., tq. Attorney for Plainti C O 8Z .E d I E Inr 9001 a3NIHS 31,11 A 301JJO t ' J 06-3500 GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attorney I.D.#16132 Suite 5000- Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff COUNTRYWIDE HOME LOANS INC. 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff IN THE COURT OF COMMON PLEAS of Cumberland County CIVIL ACTION - LAW VS. DENISE D. BEARD Mortgagor(s) and Record Owner(s) 422 W Shady Lane Enola, PA 17025 ACTION OF MORTGAGE FORECLOSURE Defendant(s Term No. 06-3500 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: BEARD, DENISE DENISE D. BEARD 422 West Shady Lane Enola, PA 17025-2241 Your house at 422 W Shady Lane, Enola, PA 17025 is scheduled to be sold at Sheriffs Sale on Wednesday, December 06, 2006, at 10:00 AM, in Commissioners Hearing Rm 2nd FL Courthouse to enforce the court judgment of $107,092.95 obtained by COUNTRYWIDE HOME LOANS INC. against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay to COUNTRYWIDE HOME LOANS INC., the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay call: 215-627-1322 2. You may be able to stop the sale by filing a petition asking the Court to strike or open judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 06-3500 You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES NOT TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid price by calling the Sheriff of 717-240-6390. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call the Sheriff of 717-240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within thirty (30) days from the date of the Sheriffs Sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the schedule of distribution is filed. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. 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 LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 8z :E d i E inr gooz .3 ? 1 ? 3 ?? 5'?:? z_t ? ?.-aye :? i i 3.? 4:? SHORT DESCRIPTION IMPROVEMENTS consist of a residential dwelling. BEING PREMISES: 422 W Shady Lane Enola, PA 17025 SOLD as the property of DENISE D. BEARD TAX PARCEL #09-13-1000 All that certain piece or parcel of land situate in East Pennsboro Township, County of Cumberland and Commonwealth of Pennsylvania, more particularly bounded and described as follows: Beginning at a point on the southerly right of way line of Shady Lane, 50 foot right of way, 36 foot paved macadam, said point being at the northwest corner of lot No. 2 on the hereinafter mentioned plan of lots, thence by lot No. 2 south 10 degrees 31 minutes 00 seconds east, for a distance of 150.00 feet to a point at the macadam paved alley; thence by the 10 foot macadam paved alley, south 79 degrees 29 minutes 00 seconds west, a distance of 20.00 feet to a point at lot No. 4 on the hereinafter mentioned plan of lots; thence by lot No. 4, north 10 degrees 31 minutes 00 seconds west, a distance of 150.00 feet to a point on the southern right of way line of Shady Lane, north 79 degrees 29 minutes 00 seconds east, a distance of 20.00 feet to a point at lot No. 2 on the hereinafter mentioned plan of lots, the point and place of beginning. Being lot No. 3 on a Final Subdivision Plan of 418 Shady Lane recorded in Cumberland County Plan Book 86 page 137. TAX PARCEL NO: 09-13-1000 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) N006-3500 Civil COUNTY OF CUMBERLAND) CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due Countrywide Home Loans Inc. 7105 Corporate Drive PTX B-35 Plano, TX 75024-3632 Plaintiff (s) From Denise D. Beard 422 W. Shady Lane Enola, PA 17025 (1) You are directed to levy upon the property of the defendant (s)and to sell see legal description . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof, (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due$107,092.95 L.L.$.50 Interest from 06/01/2005 to 07/25/2006 at 7.2500% Atty's Comm % Atty Paid $123.20 Plaintiff Paid Date: July 28, 2006 (Seal) Due Prothy $1.00 Other Costs CURTIS . LONG Prothonotary By: Deputy REQUESTING PARTY: Name Joseph A. Goldbeck, Jr., Esq. Address: Goldbeck McCafferty & McKeever Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106 Attorney for: Plaintiff Telephone: 215-627-1322 Supreme Court ID No. 16132 Real Estate Sale # 22 `R f'jj°7T V? On August 24, 2006 the Sheriff levied upon the defendant's interest in the real property situated in East Pennsboro Township Cumberland County, PA Known and numbered as 422 West Shady Lane, Enola more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: August 24, 2006 By: Real Estate Sergeant 8 Z :E d I E inn 9001 3A183'-;S_ ) i ?f3J?1 ?u J? U s • . THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Joseph A. Dennison, being duly sworn according to law, deposes and says: That he is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot- News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Metro editions which appeared in the 25th day(s) of October and the 1st and 8th day(s) of November 2006. That neither he nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION COPY SALE #22 + bw- t.:A _i . C 01W p?eor ai pamd of kin t T-Nwp, County L}tmbaland _ art P,heo?ie? dpi i ftewma-1 p i ea tb on** 001t "ylift afft*Law54ho &of*v, "prod %wift mwptUeia n the ; NodbM t eaeomd1a Na 2 =WbW Ok Of W ftae by Let No. 2 t0 4*605 X061" 00 ' Balk; for r 6a me of iTM Lent 6 a'pdrEat the so* n'dow 2W ttiwe' twMnl i art, *dbww at p bet le % t0,0a tar 1Mr 4 of*' yrlpar ................. ................................. Sworn to and s s 'be efore me this 15th day of November 2006 A.D. PYIAAAAr%K1%A1CA1 TLJ nr- n9 Mall-i vAAnA Notarial Seal Terry L. Russell, Notary Public City Of Harri urg, Dgitp l County ?My Commi n Exp' ss Jyyfie 6, 2010 5111r6niatinn of N ar' NOTARY PUBLIC CUMBERLAND COUNTY SHERIFF'S OFFICE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA. 17013 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ss. Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: October 20, October 27 and November 3, 2006 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. REAL ESTATE SALE NO. 22 Writ No. 2006-3500 Civil Countrywide Home Loans, Inc. VS. Denise D. Beard Atty.: Joseph A. Goldbeck All that certain piece or parcel of land situate in East Pennsboro Township, County of Cumberland and Commonwealth of Pennsylva- nia, more particularly bounded and described as follows: Beginning at a point on the south- erly right of way line of Shady Lane, 50 foot right of way, 36 foot paved macadam, said point being at the northwest corner of lot No. 2 on the hereinafter mentioned plan of lots, thence by lot No. 2 south 10 de- grees 31 minutes 00 seconds east, S before me this NOTARIAL SEAL v LOIS E. SNYDER, Notary Public Carlisle Boro, Cumberland County My Commission Expires March 5, 2009 3 day of November, 2006