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HomeMy WebLinkAbout06-3501 GOLDBECK 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 WWW.GOLDBECKLAW.COM ATTORNEY FOR PLAINTIFF NATIONAL CITY MORTGAGE COMPANY PO Box 1820 Dayton, OH 45401-1820 ot- -~SQI CLc.>~LJ~ IN THE COURT OF COMMON PLEAS Plaintiff OF CUMBERLAND COUNTY vs. TERRI C. BLACK JEFFREY W. PENTZ Mortgagors and Real Owners 799 T oTWay Road Gardners, PA 17324 CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE Defendants CIVIL ACTIOr.:r~~GAGE F~~CLoeU~~ 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 INFORMA nON ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMA nON ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LEGAL SERVICES INC 8 Irvine Row Carlisle, P A 17013 717-243-9400 CUMBERLAND COUNTY BAR ASSOCIA nON 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 EST A DEMANDA Y A VISO. PARA DEFENDERSE ES NECESSARIO QUE USTED, 0 SU ABOGADO, REGlSTRE 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 PROSEGUlR CON EL PROCESO SIN SU PARTICIPACION. ENTONCES, LA COUTE PUEDE, SIN NOnFICARIO, DECIDIR A 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 LLEV AR tSTE P APEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE UN ABOGADO, VA Y A 0 LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. EST A OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEUlR UN ABOGADO. SI USTED NO PUEDE P AGARLE A UN ABOGADO, EST A OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO 0 GRATIS. LEGAL SERVICES INC 8 Irvine Row Carlisle, P A 17013 717-243-9400 CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, P A 17013 THIS 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. Resources available for Homeowners in Foreclosure 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.gov for Help for Homeowners Facing the Loss of Their Homes. 4). Call the Plaintiff (your lender) at 866-804-7257 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 NC-IlI7. Para informacion en espanol puede communicarse con Loretta al215-825-6344. This Action of Mortgage Foreclosure will continue unless you take action to stop it. COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is NATIONAL CITY MORTGAGE COMPANY, PO Box 1820, Dayton, OH 45401-1820. 2. The names and addresses of the Defendants are TERRI C. BLACK, 799 Torway Road, Gardners, PA 17324 and JEFFREY W. PENTZ, 799 Torway Road, Gardners, PA 17324, who are the mortgagors and real owners of the mortgaged premises hereinafter described. 3. On December 13, 2003 mortgagors made, executed and delivered a mortgage upon the Property hereinafter described to MARYLAND FINANCIAL RESOURCES, INC., which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County as Book 1849, Page 723. The mortgage has been assigned to: NATIONAL CITY MORTGAGE COMPANY by assignment of Mortgage dated December 13,2003 as Book 704, Page 4558. 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 March 01, 2006 and each month thereafter and by the tenns the Mortgage, upon default in such payments for a period of one month or more, the entire principal balance and all interest due and other charges are due and co llectib Ie. 6. The following amounts are due to Plaintiff on the Mortgage: Principal Balance Interest from 02/01/2006 through 06/30/2006 at 6.1500% Per Diem interest rate at $17.89 Reasonable Attorney's Fee at 5% of Principal Balance as more fully explained in the next numbered paragraph Late Charges from 03/01/2006 to 06/30/2006 Monthly late charge amount at $33.05 Costs of suit and Title Search Escrow Monthly Escrow amount $247.87 $104,745.32 $2,683.50 $5,237.27 $132.19 $900.00 -$371.07 $113,327.21 7. 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 perfonned. The Attorney's Fees requested are in confonnity with the Mortgage and Pennsylvania law. Plaintiff is entitled 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 an "in oersonam" judgment) against the Defendants in this Action but reserves its right to bring a separate Action to establish that right, if such right exists. If Defendants have 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 ofIntention to Foreclose and a Notice of Homeowners' Emergency Mortgage Assistance has been sent to Defendants 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 Defendants have 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 Defendants 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 $113,327 .21, together with interest at the rate of$17.89, 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 ofthe Mortgage and Sheriff's Sale of the Property. By: ~-k.~ GO ECK McCAFFERTY & McKEEVER By: JOSEPH A. GOLDBECK, JR., ESQUIRE ATTORNEY FOR PLAINTIFF VERIFICATION I, Laura Cauper, as the representative of the Plaintiff corporation within named do hereby verify that I am authorized to and do make this verification on behalf ofthe 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 unsworn falsification to authorities. Date: &-1 fo-{}b 0& <>-C f5 Laura Cauper NATIONAL CITY MORTGAGE COMPANY ~hi6it .Jl AL T A Loa~ Policy Schcd.IeA , . EXHIBIT "A" ALL THAT CERTAIN tract of land situate In the TOWNSHIP OF DICKINSON, County of Cumberlaod, and Commoowoallb of Pennsylvania, belog more particularly bollRded and described as follows, to wit: BEGINNING at a steel plo set 00 !be south...terDlDOlt dedicated right-of-way Doe of Torway Road (T -534), said pin mukiDg th. commoo poInt of adjoiner of Lots. No.5 and No. 5-A and No.6 with Slid dedi...tect right-of-way line; extending tn and along the SQolbeuternmest dodit"ted right-of-way line of TorwllY Road North forty-l1ve (45) degrees forty-ftv. (45) miDulel zero (00) s.conds Eut, for a dIItanee of on. huudred fifty and zero 0"- hundredths (150.00) feet to a point at Lots No.7 and 7-'\ on tile hereinafter mentioned plan: thence d.partlng from th. Torway Road right-of-way aDd exteodlng along Lots No.7 and No. 7-A th. foDowlog two (2) co...... and distances; South forty-four (44) decrees fifteen (15) mlnntes Ea.t, for a distance of four hundred .lxty one and ....nty 00. one-hundredths (461.71) feet to a .teel pin; thence cootlnulog South forty-four (44) degrees twenty-tbree (23) minutes forty (40) seconds West: for a distanc. of Doe huodred fifty and four ooe-hundredths (150.04) feet to a IleeI plo at Lets No. 5 and No. 5-..\ on th. h~aft.r mentioned plan of subdivision; tII.nc. .xtending along Lots No.5 and No. 5-A, North forty-four (44) degrees fifteen (15) minutes West; for a distance of four hundred sI1ty five and twenty six one-hundredtbs (465.26) feet to a steel pin set at the southeasternmost d.dlcated right-of-way Une of Torway Road, said pin markiDg the pIa.. of BEGINNING. BEING Lot No. 6 on a Final Plan of Subdivision of Brandywine Manor, Pha... I and D, prepared for Harman Graves Company by Edward L. Mort, Registered Surveyor dated September 16, 1985, and recorded In lbe Omce of the Recorder of Deeds i. a.d for CUmberland County, PeDBsylvania In Plan BoGk 47, Page 37 and being known and maniclpsny numbered.. 7\19 Torwey Road, Gardnen, Pennsylvania 17324. BEING th. same premises which Miebael L. Richards and Lynn N. Richards, h""baod and wife, hy Deed dated the 29th day of September 2000, and recorded at Cumberland Couoty in the Omce of the Recorder of Deeds, in and for the County of Cumberland, 00 the 15th day of November, 2000, io Record Book 233, Page 1137, voted and conveyed unto Jeffrey W. Pentz and Terri C. Blaek. UNDER AND SUBJECT TO restrictions and condItions as n.... appear of record. PARCEL NO. 08-16-010-068E This policy is invalid unless the insurins provisions and Schedules A and B are allached. The Guarantee TIde aDd Trust Company (4/ii6it (]3 . NationalCity@ Mortgage Co. National City Mortgage Co. A Subsidiary of National City Bank of Indiana 3232 Newmark Drive. Miamisburg, Ohio 45342 Telephone: (937) 910-1200 Mailing Address: P.O. Box 1820 Dayton, Ohio 45401-1820 May 03, 2006 Terri C Black 799 Torway Rd Gardners PA 17324 Loan No. 292538-3 Current Servicer: National City Mortgage Co. HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT-- The MORTGAGE debt held by the above lender on your property located at: 799 Torway Rd Gardners PA 17324 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following month(s) 03/01/2006 - 5/1/2006 and the following amount(s) are now past due: Monthly Payments Late Charges Other Fees Less Suspense Balance Total Due 2,726.67 92.41 26.75 .00- 2,845.83 YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): HOW TO CURE THE DEFAULT - You may cure the default within thirty (30) days of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $ 2,845.83, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cashier's check, certified check, cash or money order made payable and sent to: National City Mortgage Co. Attn: Customer Counseling Department 3232 Newmark Dr. Miamisburg, OH 45342 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable). DR673 JCS Page 1 . . NationaICily@ Mortgage Co. National City Mortgage Co. A Subsidiary of National City Bank of Indiana 3232 Newmark Drive. Miamisburg, Ohio 45342 Telephone: (937) 910-1200 Mailing Address: P.O. Box 1820 Dayton, Ohio 45401-1820 May 03, 2006 Jeffrey W Pentz 799 Torway Rd Gardners PA 17324 Loan No. 292538-3 Current Servicer: National City Mortgage Co. HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) . NATURE OF THE DEFAULT-- The MORTGAGE debt held by the above lender on your property located at: 799 Torway Rd Gardners PA 17324 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following month(s) 03/01/2006 - 5/1/2006 and the following amount(s) are now past due: Monthly Payments Late Charges Other Fees Less Suspense Balance Total Due 2,845.83 2,726.67 92.41 26.75 .00- YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): HOW TO CURE THE DEFAULT - You may cure the default within thirty (30) days of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $ 2,845.83, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cashier's check, certified check, cash or money order made payable and sent to: National City Mortgage Co. Attn: Customer Counseling Department 3232 Newmark Dr. Miamisburg, OH 45342 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable). DR672 JCS Page 1 - ACT 91 NOTICE <'> " ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender Intends to Foreclose. Specific information about the nature of the default is provided In the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help save your home. This Notice explains how the program works. To see If HEMAP can help. vou must MEET WITH A CONSUMER CREDIT COUN- SELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are Included with this Notice. If you have any questions. you may call the Pennsylvania Housing Finance Agency toll free at 1-800.342-2397. (Persons with Impaired hearln9 can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain It. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIEN DO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FI- NANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS, .. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT'), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. . IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND . IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a tempo- rary stay of foreclosure on your mortgage for thirty (30) days from the date of this No- tice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEET- ING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORT- GAGE DEFAULT". EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the con- sumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names. addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file i.l completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. 3 ---~---.~._--- ., The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART Of THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) If YOU DO NOT CURE THE DEFAUL Tlsee aaae 1\-lf you do not cure the default within THIRTY (30) DAYS of the date ofthis Notice, the lender intends to exercise its rl9hts to accelerate the mortaaq8 debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose UDon vour mortaaae Droperty. IF THE MORTGAGE IS fORECLOSED UPON - The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorneys' fees actually incurred by the lender even iftheyexceed $50.00. MY attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period. YOU will not be reauired to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, vou still have the riaht to cure the default and prevent the sale at anv time UD to one hour before the Sheriff's Sale. You mav do so bv pavino the total amount then past due. plus any late or other charaes then due. reasonable attornev's fees and costs connected with the foreclosure sale and anv other costs connected with the Sheriff's Sale as specified in writino bv the lender and bv performing anv other reQuirements under the mortoaae. Cur- Ing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFf'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approxi- mately FOUR(4) 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 cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: National City Mortgage Address: 3232 Newmark Dr. Miamisburg OH 45342 Phone Number: 1-800-523-8654. Fax Number: (937) 910-4057 Contact Person: COLLECTIONS DEPT. EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishing and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You mayor may not be able to sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. For additional informa- tion please contact the Collection Dep!. YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFFTHE 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 BE- HALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DE- FAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF DEFAULT IN ANY FORECLOSURE PRO- CEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCU- MENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. APPENDIX C PENNSYLVANIA HOUSING RNANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSEUNG AGENCIES '. ,.t.._ ADAMS COUNTY American Red Cross- Hanover Chapter 529 earll,le Street Hanover. Pennsylvania 17331 (717) 637-3768 FAX (717) 637-3294 CCCS ofWe,tern PA 2000 Llnglestown Road Harrisburg PA 17102 (717) 541-1757 FAX (717) 541-4670 Financial CounseHng Services of Frankl.. 31 Wa,t 3rd Stroet Waynesboro, PA 17268 (717) 762-3295 Adams County Housing Authority 139-143 Ca.II,le Sl Gettysburg PA 17325 (717) 334-1516 FAX (717) 334-8326 ~LI!GHENY COUIlTY eMlylvanla Housing Finance Agency (Marcia Hess) 2275 Swallow Hill road, Bldg 200 Pittsburgh. PA 15220 (412) 429-2842 FAX (412) 429-2635 Credit Counselors of PA 401 Wood Street, SuUe 906 Pittsburgh, PA. 15222 (412) 338-9954 or 1(600) 737-2933 FAX (412) 339-9963 Action .Houslng. Inc. 425 6th Avenue. Suite 950 Pillsburgh. PA 15219 (412) 391-1956 or (412)291-2102 or 1 (600) 792-2801 FAX (412)-391-4512 Community Action Southwu\ 22 Wast Hlgh Slroot Waynesburg, PA 15370 (724) 952-2893 eees of Western Pennsylvania, Illc. 309 Smithfield Street Pittsburgh. PA 15222 (412) 471-7594 Housing Opportuntles 133 Seventh Street McKeesport PA 15132 (412) 654-1905 Fax (412) 684.0873 lJroan League Of Pittsburgh Bldg. For Equal Opportunity One Smithfield St. Pittsburgh PA 15222-2222 (412) 221-4802 FAX (412) 261-5207 Mon-VaHey Unemployed Committee 120 E. 91h Avenue Homestead, PA 15120 (412) 462-9962 ARMSTRONG COUNTY cees of Western Pennsylvania, Inc. 217 E. Plaok Road Moona PA 16602 (914) 944.8100 or (814) 944-5747 Indiana Co. Community Action Program 827 Water Street, Box 187 India.. PA 15701 (n4) 465-2657 FAX (724) 465-5119 Credit Counselors of P A 401 Wood Street, Suite 906 Pittsbu1gh. PA 15222 (412) 339-9954 or 1(800) 737-2933 FAX (412) 338-9%3 BEAVER COUNTY Action Housing, Inc. 425 6th Avenue, Suite 950 pinsb..gh. PA 15219 (412) 391-1956 FAX (412) 391-4512 eees of Westem Pennsylvania. Inc. 971 Third Street Beaver, PA 15U09 (724) 774.0199 Housing Opportunities of Beaver County, Inc. 650 Corporation SI. Suite 207 Beaver, PA 15009 (724) 729-7511 Mon Valley Unemployed Committee 120 E. 9th Avenue Homealead. PA 15120 (412) 462-9962 (412) 462-9964 Housing Opportunities Inc. 133 Seventh Slreet P.O. Box 9 McKeesport PA 15134 Credit Counsetors of PA 401 Wood Street, Suite 906 Pittsburgh. PA 15222 (412) 338-9954 or 1(800) 737-2933 FAX (412) 338-9963 BEDfORD COUNt'( Dedfonl-Fulton Housing Services 10241 lincoln Highway Everett. PA 15537 (814) 623-9129 FAX (814) 623-7187 cees of Western Pennsylvania, Inc. 217 E. Plank Road Altoona PA 16602 (814) 944-8100 FAX (814) 944-5747 Keystone Economic Development Corporation 1954 Maf'J Gface lane Johnstown, PA 15901 (814) 535-8556 FAA 1914) 539-1688 Tableland Services, Inc. 535 East Main Street Somerset PA 15501 (614) 445-9628 or 1-900-452.0148 FAX (814) 443.3690 Weatherization Office 917 Mimin Slreel Huntingdon, PA 16652 (814) 643-2343 BERKS COUNTY tluagel Counsefing Center 247 North fifth Street Reading, PA 19601 (610) 375-7866 FAX (610) 375-7630 eees of Lehigh Vailey 367\ Crescent Court Easl WhitehaM PA 19052 (610) 821.4011 or 800-220-2733 (914) only FAX (610) 821.8932 EconomIc Opportunity Cabinet of Schuylkill Counly 225 N. Centre Street PottsvHIe. PA 17901 (717) 622-1995 FAX (717) 822-0429 Community Housing Counselor, Inc. P.O. Box 244 Kennett Square, PA 19348 (610) 444-3692 FAX (610) 444-9243 B~COIllm' Bed ord~Futton Housing Services R.O.'1, Box 364 Everett, PA 15537 (914) 623-9129 FAX (914) 623-7187 Keystone Economic Development Corp 1954 Mary Grace Lane Johnstown PA 15901 (814) 535-8556 FAX (814) 539-1699 CCCS 01 Western Pennsylvania, Inc. 217 E, Plank Road Alloona PA 16602 (814) 944-8100 or (814) 944-5747 Weatherization Office 917 Mifflin Street Huntingdon, PA 16652 (914) 843-2343 BRADFORD COUNTY CCCS of Northeastern Pennsylvania 1400 Abilg\of1 Execu1lve Pari<. Suite 1 C1arks SUmmitt. PA 18411 (570) 567-9163 OR 1-800-922-9537 FAX (570) 587-9134/9135 31 W. Marl<et SI. W;",os-Barre. PA 19702 (570) 821-0837 or 800-922-9537 FAX (570) 821-1795 9 South 7th Street Stroudsburg PA 18360 (570) 420-8980 or 800.922-9537 FAX (570) 420-9981 1631 S Atherton St, Sulle 100 Stete eoilego. PA 16801 (814) 238-3669 FAX (814) 2363669 The TreI18b Center of Northeaslem PA 10 Public Avenue Montrose, PA 18801 (570) 276.3338 or 800-982-4045 FAX (570) 278-1869 185 Elmira Street P.O. Box 216 Troy. PA 16947 (570) 297-2101 German Street, P.O. Box 389 Oushore, PA 18614 (570) 928-9668 FAX (570) 928-9144 103 Warren Street, P.O. Box 709 Tunkhannock PA 18657 (570) 836-6940 fAX (570) 836.6332 (Rev. 6199) 33 Walnut Street Wellsboro. PA 16901 (570) 724.5252 FAX (570) 724-5783 931 Main Street Honesdale PA 18431 (570) 253.8941 FAX (570) 253-4817 BUCKS COUNTY Acorn HOUSing ('(>11'(" '1i"'1 846 North BrO'i(i Philadelphia, i" (215) 765-1221 FAX (215) 765-ii,,,.. Northwest Counseling Service 5001 North Broad Street PhiladelphIa, PA 19141 (215) 324-7500 FAX (215) 324-8753 Sucks County Housing Group, Inc. 140 East Richardson Avenue Langhome, PA 19047 (215) 750-4310 FAX (215) 750-4316 cecs of Delaware Vaney 1515 Market Street. Suite 1325 Philcadetphla PA 19101 (215) S63-S66S FAX (215) 884-2666 HACE 167 Allegheny Ave 2nd Fl. Philadelphia, PA 19140 (215) 426-8025 FAX (215) 426-9122 eecs of Delaware Valley Trevose Corporate Center 4606 Street Road Trevose PA 19047 (215) S63-S6e5 Community Devel. COlt.' of rr(lnkford 4620 Griscom Street Philadelphia, PA 19124 (215) 744-2990 FAX (215) 744-2012 cees of I.ehigh Valley 3671 Crescent Court Easl Whitehall. PA 18052 (810) 921-4011 OR 900.220-2n3 FAX (610) 821-8932 American Credit Coun$e~ng Institute 845 Coates St. Caalesville PA 19320 (888) 212-6741 144 E OeI<aIb Pike King of Prussia PA 19406 610-971-2210 FAX (610) 265-4614 755 Yorl< Rd. Sufte 103 Warminster PA 18974 (215) 444-9429 FAX (215) 956-6344 BUTLER CDUIlTY Action Housing, Inc. 425 6th Avenue, Suite 950 Pittsburgh, PA 15219 (412) 391-1956 or (412) 25,.2102 FAX (412) 391-4512 eees of WeSlorn PA YMCA Buitdtng 339 North WashJngton Street Buller, PA 16001 {724} 282-7912 Housing ppportunities, Inc. .6lS0 Corponlle St., Suite 207 MeKeesport. PA 15132 .(412) 664-1590 ft>:l. (412) 664-0673 Mon-Valley Unemployed Committee 120 E. 91h Avenue Homestead, PA 15120 (412) 462-9962 ft>:l. (412) 462-9964 HOus.ing Opportu"lties )nc. 133 Seventh Street P.O. Box 9 McKeesport, PA 15134 (412) 664-1906 fAX (412) 664.0873 Credit Counselors of PA 401 Wood Street, Suite 906 Pittsburgh, PA 15222 (412) 338-9954 or 1(800) 737-2933 fAX (412) 338.9963 CAMa".~OUNTY Bed -Fu on Housing SelVices R.O.'l. Box 3B4 Everett, PA H;537 (814) 623-9129 FAX (B14) 623-7187 CCCS of Western PA 217 E. Pia"" Read Altoona P A 16602 (814) 944-8100 Ft>:I. (814) 944.5747 Indiana County Community Action Program 827 Water Street. Box 187 Indiana. PA 15701 (412) 466-2657 FAX (412) 465-5118 Keystone Econ Development Corp. 19t14 Mary Grace Lane Johnstown PA 15901 (814) 535-6556 FAX (814) 539-166B CCCS ofWestem PA 219-A College Park P\aza Joh"'town PA 15904 (814) 539-6335 TatMtand Services, Inc. 535 Easl Main Slrea\ Somersel PA 15501 (814) 445-9628 or 1-600-452-014B fAX (814) 443-3690 CAMERON COUNlY NOrthern Tier Community Action Corp. P.O. Box 389 135 West 4th Street EmporIum. PA 15634 (814) 486.1161 FAX (BI4) 4B6-0B25 CCCS ofWeslen PA 217 E. Plank Road Moona PA 16602 (814) 944-Bloo fAX (614) 944-5747 CCCS of Westen PA 217 E. Plank Road A~oona. PA 16602 (514) 944.5100 FAX (B14) 944-5747 CARBON COUNTY EOC of Schuytkill County 225 N. Centre Skeet Pottsville. PA 17901 (570) 622-1995 FAX (570) 622-0429 cccs 01 Lehigh Valley 3671 Cresent Court East While""" PA 1B052 610-521-4011 or 800-220.2733 570 & 814 only for 500# FAX (610) 821-0137 eces of Northeastern Pennsylvania 1400 Abinglon Executive Park. Suite 1 Clalks Summitt. PA 16411 (570) 587.9163 OR 1-600.922-9537 FAX (570) 5B7-9134/9135 31 W. Malkel SI. WilI<es-B..... PA 18702 (570) 821.0537 or BOO-922-9537 FAX (570) 521-1765 9 South 7th Stref:\ Slroudsburg PA 16360 (570) 420.B9BO or 800-922-9537 FAX (570) 420-8981 1631 5 Atherton St, Suite 1QQ Stale College. PA 16501 (814) 236.3668 fAX (614) 236.3669 Coll1lTission on Economics Opportunity of Luzeme County 163 Amber lane Wilkes--Barre, PA 1S702. (S70) 626-0510 OR 1.800.B22-0359 FAX (570) 829.1666-CALL BEFORE FAXING (570) 455-4994 HAZEI.TON FAX (570) 455-5631-CALL BEFORE fAXING (570) 836-4090 lUNKKANNOCK CENTRE COUNTY cees of Westen; Pennsylvania, Inc. 211 E.. Plank Road Alloona, PA 16602 (B14) 944.6100 FAX (814) 944.5747 Lycoming-Clinton Co Comm For Community Act\on {STEP 2138 Lincoln Street P.O. Box 1328 WllIlamsport, PA 17703 (570) 326-11567 FAX (570) 322-2197 cees of Mortheastem PA 1631 S. Atherton St, Suite 100 State College FA 16801 (814) 236-3668 FAX (814) 238-3669 eccs of Northeastern PA 20t Basin Street Wllliam$port, PA 1770'3 (570) 326-05B7 FAX (570) 322-2197 CliESlER COUNTY Acorn Housing Corporation 646 North Broad Street Philadelphia, FA 19130 (215) 765.1221 FAA (215) 765.\427 Northwest Counseling Services 5001 N. Broad Street Philadelphia, PA 1914' (215) 324-7500 FAA (215) 324-8753 Budget Coonsel\ng Center 247 North Flfftl street Reading, PA 19601 (610) 375-78B6 FAA (610) 375-7830 eces of Delaware Valley 1515 Market Street, Suite 1325 Philadelphia. PA 19107 (215) 583-5665 FAX (215) 583-7020 HACE 167 W. Allegheny Ave. 2nd Fl. Philadelphia. PA 19140 (215) 426-6025 FAA (215) 426.9122 Communlly Housing Counseling ine P.O. Box 244 Kennett Square. PA 19345 (610) 444.3682 FAA (610) 444-B243 Media felowship House 302 S. Jackson Street Media. PA 19063 (610) 585.0846 FAX (610) 585-5567 Phila Council For Community A!J\I 100 North 17111 Slreel. Suile BOO Philadelphia, PA 19103 (215) 567-7803 fAX (215) 963-9941 Tabor Community Services, Inc. 439 E. King Slree\ lancaster, PA 17602 (717) 397-5162 OR 1-BOO.78B.5062 (H.O.only) FAX (717) 399-4127 Community Devel. Corp of Frankfotd Group Ministry 4620 Gri&com Street Philadelphia, fA 19124 (215) 744-2990 FAX (215) 744-2012 AmeriCan Red Cross of Chester 1729 Edgemonl Avenue Chesler. PA 19013 (610) 874.1484 eees of Delaware Valley Mars-hal\ BuMing 790 E. Market St., Suite 2t5 West Chester, PA 19382 (215) 563.5665 American Credit Counseling Institute 645 Coates St. Coatesvi11e PA 19320 (888) 212-6741 144 E. Dekalb Pike King of Prussia, PA 19406 (610) 971-2210 FAA (610) 265-4614 755 Volt. Rd, Suite 1Q3 Warrninsler PA 18974 (215) 444-9429 FAA (215) 956-6344 CLARION COUNTY eccs of Western Pennsylvania, Inc. YMCA Building 339 North Washington Street Butler, PA 16001 (412) 2B2-7812 CLEARFIELOCOUHTY Keystone Economic Development Corporation 1954 Mary Grace Lane Johnstown, PA 15901 (614) 53S.6556 FAA (B14) 539-1688 Indiana Co. Community Action Program 827 Water Streel, Box 187 )ndiana, PA 15701 (724) 465,2657 fAX (412) 465-5l16 eees of Westem Pennsylvania, Inc. 2~ 7 E. Plank Road Altoona P,4. 16602 (B14) 944-8100 FAX (814) 944-5747 CCCS of Ncrtheastem PA f 1631 5 Atharton St.. SuIle 100 State College, PA 16801 (614) 238-366B fAX (514) 236-3669 cees .fWestern PA 219-A College Porte Plaza Johnslown PA 159114 (BI4) 539-6335 CUHT~N COUNtY Lycom ng~Cllnton Counties C<lmmis_ for Community Action (STEP) 2138 Uncoln Street P.O. Box 1328 VVd".m~, PA17703 (570) 326-05B7 FAX (570) 322.2197 cees of Northeastern PA 1631 5 Atherton St.. Sulle 100 Slale College. PA 16801 (814) 238-366B FAX (614) 236-3669 eees of Northestern PA 201 Basin Street WiIUamsp()T\, PA 17703 (570) 323-6627 FAX (570) 323-6626 COLUMBIA COUNTY eces of Northeastern pennsylvania 31 W. Market Street P.O. Box 1127 \NUkes-Barre, PA 18702 (570) B21-0837 OR 1-800.922-9537 FAX (570) B21.1785 1400 AOOgtOl\ ExecutiYa PaIk. Suite1 Clam Summitt. PA 18411 (570) 557-9163 or 600-922-9537 FAA (570) 587-913419135 Commission on Economics Opportunity of Luzeme County 163 Amber Lane \MIkes-Barre, PA 18702 (570) 626-0510 OR HOO-822-0359 FAX (570) 629-1665-CALI. BEFORE FAXING (570) 455-4994 HAZELTON fAX (570) 455-5631--CALL BEfORE FAXING (570) 836-4090 lUNKHANNOCK CRAWFORO COUNTY Booker T. Washington Cenler 1720 Holland street Elie. PA 16S03 (814) 453-5744 FAA (614) 453-5749 Greater Erie Community Action CommIttee 18 West 9th Stteet Erie. PA 16501 (814) 459.4561 fAX (814) 456-0161 John F. Kennedy CenteT, Inc, 2021 East 20th Street Erie, PA 16510 (814) 896.0400 FAX (6\4) 896-1243 Shenango Valley Urban League, Irlc. 601 Indiana Avenue farrell, PA 16121 (412) 981-5310 CUMBERLAND COUNTY CCCS of Western PennsYNania, Inc. 2000 Unglestown Road Harrisburg, PA 17102 (717) 541-1757 FAA (717) 541.4670 Flnanclal,Counseling Services of .pfranklln . . 31 West 3fo Street Waynesboro, PA 17268 (717) 762-3285 Urban league of Metropolitan Harrisburg N. 6th Street Harrisburg, PA 17101 (717} 234-5925 FAA (717) 234-9459 YWCA of CartlsJe 301 G Street Carlisle, PA 17013 (717) 243-3818 FAA (717) 731-9S89 Community Action Comm of lhe Capital Region 1514 Derry Street Harrisburg, PA 17104 (717) 232-9757 FAA (717) 234-2227 Adams County Hou.1n9 Authority 139-143 Carlisle St. Genysburg. PA 17325 (717) 334-1518 FAA (717) 334-8328 DAUPHIN COUNlY CCCS of Western Pennsylvania, Inc. 2000 Ungteslown Road Harrisburg. PA 17102 (717) 641-1757 FAA (117) 5414610 Urban league of Metropolitan Hanisburg 2107 N. 6th Street Hamsburg, PA 17101 (717) 234-5925 FAA (717) 234-9459 Communily Action Commission of the Capital Region 1514 Derry Street Harrisburg PA 17104 (717) 232-9757 FAA (TI7} 234-2227 ~WARe COUNTY Hous)ng Corporation 846 North Broad Street Philadelphia. PA 19130 (215) 765-1221 FAA (215) 765-1427 Northwest CounseUng Service 5001 North Broad Street PhUedelp/lla, PA 19141 (215) 324-7500 FAX (215) 324-8753 cees of Delaware Valley 1515 Markel Street-Suite 1325 Philadelphia, PA 19107 (215) 563-5665 FAA (215) 864-2666 HACE 167 W, A.l\egheny Ave., 2nd Floor Philadelphia, PA 19140 (215) 425-6025 FAA (215) 426-9122 Media Fellowship H(lu~ 302 $. Jackson Street Media, PA 19063 (610) 565-0846 FAA (610) 585-8567 Community Housing Counselor. Inc. P.O. Box 2<< Kennan Square PA 19346 (610) 444-3682 FAA (610) 444-8243 Philadelphia Council ~or Community Adv 100 NoM 17th Street Suite 600 Philadelphia. PA 19103 (215) 567-7803 FAX (215) 963-9941 Community Devel Corp of Frankford GroupMinistly 4620 Griscom Slreet Philadelphia, P A 19124 (215) 7<<-2900 FAX (215) 744-2012 American Red Cross of Chesler 1729 Edgmonl Avenue Chester. PA 19013 (610) 674-1484 eees of Delaware Valley 280 North Providence Road Media. PA 19063 (215) 563-5665 ACCI 175 Strafford Ave, Suite 1 Wayne PA 19087 (610) 971-2210 FAX (810) 687-7860 ACel 144 E. Dekalb Pike King of Prussia, PA 19406 (610) 971-2210 ELK COUNTY John F. Kennedy Center, Inc. 2021 East 20th Slreel Erie. PA 16510 (614) 898-0400 FAX (814) 898-1243 NoIthern Tier Community Action Corp P.O. Box 389 135 West 4th Street Emporium. PA 15834 (614) 486-1151 FAX (814) 486-0825 ERIE COUNTY Booker T. Washington Cenler 1720 Holland Street Eria. PA 16503 (814) 453-5744 FAA (814) 453-5749 Greater Erie Community Action Committee 18 West 9th Street Eria, PA 16501 (814) 459-4581 fAX (814) 456-0181 John F. Kennedy Center. lnc. 2021 East 20th Streel Erie, PA 16510 (814) 898-0400 FAX (814) 898-1243 f~YETTE COUIITY A on Housing, Inc. 425 6th Avenue, Suite 950 Plltsburgh. PA 15219 (412) 391-1956 or (412) 281.2102 FAA (412) 391-4512 Community Action Southwest 22 West High Slreet Waynasburg, PA 15370 (724) 852-2693 eees of Western Pennsylvania, Inc. 1 North Gate Square #2 Garden Center Drive Greensburg, PA 15601 (724) 838-129Q Fayette Co. Community Action Agency, Inc. 137 North Beeson Avenue Uniontown, PA 15401 (724) 437-6050 OR 1-800-427-INFO FAA (412) 437-4418 Tableland SoNioes Inc. 131 Nor1h center Avenue 50_ PA 15501 (614) 44!Hl628 FAA (8141443-3690 CCCS OfWeslem PA 199 Edison Street Uniontown PA 15401 (724) 439-3939 Mon-Valtey Unamptoyed Commillee 120 E. 9th Avenue Homestead, PA 15120 (412) 462-9962 FOREST COUNTY Warren-Forrest Counties Economic Opportunity Council 204 Liberty Street Post Office Box 547 Warren, PA 16365 (814) 728-2400 FAA (814) 723-0510 FRANKUM OUNTY Financial rvlces Unlimited 31 West 3rd street Waynesboro. PA 17268 (717) 762-3285 YWCA of Carlisle 301 G Street Carliste, PA 17013 (717) 243-3818 f AA (717) 243-3948 CCCS of western Pennsylvania. Inc. 912 South George Street York, PA 17403 (717) 846-4176 . American Red Cross-Hanover Chapter 529 Carlisle Street Hanover, PA 17331 (717) 637-3768 FAA (717) 637-3294 Community Ac.tion Commission of Caplial Region 1514 Derry Slreet Himtsburg, ?A 17104 (717) 232-9757 FAA (717) 234-2227 Urban league of Metropolitan Hbg 2107 N. 61h Street Harrisburg, PA 17101 (717) 234-5925 FAA (717) 234-9459 eees ofWestem PA 2000 Lingleslown Road Harrisburg, PA 17102 (717) 541-1757 FAA (717) 6414670 Adams County Housing Authanty 139-143 Carlisle 51. Genysburg, PA 17325 (717} 334-1518 FAA (717) 334.8326 FUL 70H COUNTY Bedford-Fullon Housing Services R.D.#!. Box 3114 Everett, PA 15537 (814) 623-9129 FAA (814) 623-7187 Financial Counseling Services of Franklin 31 West 3rd Slreet Waynesboro, PA 17268 (717) 762-3285 cees of Western Pennsylvania, Inc. 912 South George Street York, PA 17403 1717) 846-4176 Wea1herlzation Office 917 Mifflin Street Hunllngdon. PA 1865? (814) 643-2343 ~~~~ 425 6th Avenue, Suite 950 Pittsburgh, PA 15219 (412) 391-1956 or (412) 281-2102 FAX (412) 391-4512 Mon-Valley Unemployed CommittE!e 120E. 9th Avenue Home.tead. fA 15120 (412) 462-9962 FAX (412) 462-9964 Community Action '::r'I)11-.v'{>' 22 West High St., Waynesburg, 1'/\ I (724) 852-2893 FAX (412) 627-1/i" eees of Western Pennsylvania, loc 1 North Gate Square '2 Garden Center Drive Greensburg, PA 15601 (724) 838-1290 HUNTlN~DON COUNlY Bedford- utton Housing Services RD 1. Box 384 Everett. fA 15537 (814) 623-9129 FAX (814) 623.7187 eees of Western Pennsylvania, Inc. 217 E. Plank Road Altoena, PA 16602 (814) 944-8100 FAX (814) 944-5747 Weatherization Office 917 Mlffim Street Huntingdon, PA 16652 (814) 1143-2343 IN~COUNlY c6 0 W&alem Pennsylvania, Inc. 1 North Gale Square #2 Garden Center Drive Greensburg, PA 15601 (724) 838-1290 Indiana Co. Community Ac\ion Program 827 Water Street. Box 187 Indiana, PA 15701 (724) 465-2657 FAA (412) 465-5118 Keystone Economic Development Corporalion 1954 Mary Grace Lane Johnstown, PA 15901 (814) 535-6556 FAX (814) 539-1666 eees of Western PA 219-A College Park Plaza Johnstown PA 15904 (814) 539.6335 JEFFERSON COUNlY John F. Kennedy Center, Inc. 2021 East 20th Street Erie. PA 18510 (814) 898-0400 FAX (814) 898.1243 eecs of Western Pennsylvania. Inc. YMCA Building 339 North Washington Street Buller. PA 15001 (724) 262-7812 Indiana County Community Action Program 827 Waler Street, Box 187 Indiana, PA 15701 (124) 465-2657 FAX (412) 465.5118 JliNlATA'OOUNTY . eees of Western PennsylVania, Inc. 217 E. Plenk Road , AIloone PA 16602 (614) 944-6100 FAX (614) 944-5747 Weatherization Office 917 Mifflin Street Huntingdon, f'A 16652 (814) 643-2343 ~CKA.WANNACOUNTY CS of Northeastern Pennsylvania 31 W. Merkel Street P.O. Box 1127 W1kes-Barre, PA 16702 (570) 621-0637 OR 1-600-922-9537 FAX (570) 821-1765 1400 Abington Executive Park, Suite 1 Clar1<.s Summitt, PA 18411 (570) 567-9163 or 800-955.9537 FAX (570) 567-9134/9135 LANCASTER COUNlY Community Housing Counselors, Incorporated P.O. Box 244 Kennetl Square, PA 19348 (215) 444-3682 FI>X (215) 444.3178 eees of Lehi9h Velley 3671 Crescent Court East VVhitehall, PA 18052 (215) 621.4011 1-800'220-2733 (717) & (B14)ONL Y FAX (215) 821-8932 eees of Western Pennsyl....ania, Inc. 912 South George Street York, PA 17403 (717l 846-4176 Tabor Community Services, Inc. 439 E. KIng Slreal Lancaster, PA 17602 (717) 397-5182 OR 1-800-788-5062 fAX (717) 399-4127 LAWRENCE COUNTY eees 01 Westem Pennsylvania 1st fedefal Plaza-Swte 406 NorIf1 MI. Slreel New easlle. PA 16101 (724) 652-8074 312 Chestnut Street, Suite 227 Meadvlle PA 16335 (814) 333-8570 Shenango Valley Urban League, Inc. 601 Indiana Avenue Farrell, PA. 16121 (724) 981-5310 Housing Opportunities of Beaver County 650 Corporation St., Suite 207 Beaver, PA 15009 (724) n8-7202 FAX (412) 726-7202 LEBANON COUNTY Econoffllc Opportunity Cabinet of SchuylkNI County 225 North Centre Street Pollsvilla. PA 17901 (570) 622.1995 FAX (570) 622-0<29 Tabor Community Services, Int 439 E. King Street Lancaster, PA 17602 (717) 397-5182 OR 1-800-788.5062 FAX (717) 399-4127 LE/lGH COUNTY eees of Lehigh Va"ay 3671 Crescent Court East Whlehel'. PA 18052 (610l821-4011 OR 1-800-220-2733 (570 & (614) 0.... y FAX (610) 821-8932 Economjc Opport Cabinet of Schuyrkln Co 225 Nonh Centre street PollsvlUe, PA 17901 (570l 822-1995 FAX (570) 622-0429 LUZERNE COUtITY CeGS of Northeastern Pennsylvania 31 W. Marl<&t Slreel P.O. Box 1127 Wilkes-Barra. PA 18702 (570) 821-0837 OR 1-800-922-9537 FAX (570) 621-1765 1400 A.b\ngton Executive Park Suite 1 Clarks SUnvnitt, PA 18411 (570) 587-8163 or 800-922-9537 FAX (570) 587-9134/9135 Comm. on Econ Opportunity of Luzerne County 163 Amber Lane WUkes.Barre, Pennsylvania 18702 (570) 826-0510 OR 1-800-622-0359 FAX (570) 829-1885-CALL BEFORE FAXING (570) <55-4994 HAZELTON FAX (570) 455.5631-CALL BEFORE FAXING (570) 838-4090 TUNKHANNOCK EOC of Schuylkill County 225 Nortn Centre Street Pottsville, PA 17901 (570) 622-1995 FAX (570) 622-0429 L YCOMING COUNTY eees of Northeastern Pennsylvania 31 W. Market Street P.O. Box 1127 WIlkes-Barre, PA 18702 (570) 821-0837 OR 1-800-922-9537 FAX (570) 821-1785 1400 Abington Executive Park Suite 1 Clarks Summitt. PA 18411 (570) 587-9163 or 800-922-9537 FAX (570) 587-9134/9135 201 Basin Street Wdliamsport, PA 17703 (570) 323-6627 FAX (570) 323-6626 Lycoming-Ointon Counties Commission For Community Action (STEP) 2138 Uneoln Street P.O. Box 1328 WiJliamsport, PA 17703 (570) 326-0587 FAX (570) 322-2197 MCKEAN eOUNlY John F. Kennedy Center, Inc. 2021 East 20th Street Erie. P A 16510 (814) 898-Q400 FAX (814) 898-1243 Northern Tier Community Action Corp P.O. Box 369 135 W 4th Slreet Emporium, PA 15834 (614) 488-1161 FAX (814) 486-0625 MERCER COUNTY Shenango Valley Urban league, Inc. 601 Indiana Avenue Farrell, PA 16121 (724) 981-5310 eecs of Western Pennsylvania, lnc, YMCA BuNdlng 339 North Wa&l1lnglon Street Buller. PA 16001 (724) 262-7812 M1FF~ COUIITY ecc of Western Pemsylvania, Inc. 217 E. Plank Road Altoona PA 16602 (814) 944-8100 FAX (814) 94+5747 Weatherization Office 917 Mlfftin Streel Huntingdon, PA 16652 (814) 843-2343 cecs of Northeastern P A 1631 S Atherton St Suile 100 State College PA 16801 (814) 236-3868 FAX (814) 238-3669 MONROE COUNTY eces or Northeastern Pennsylvania 31 W. Market Slreet P.O. Box 1127 Wilkes-Barre, PA 18702 (570) 621-0837 OR 1-600-922-9537 FAX (570) 821-1785 1400 Abington Executive Park Suite 1 Oarks Summitt PA 18411 (570) 587-9163 or 800-922.9537 FAX (570) 587-913419135 9 South 7th Slreel Stroudsburg PA 18360 (570) 420-8980 or 800.922-9537 FAX (570) 420-8981 Comm Of! Econ Opp of Luzerne County 163 Amber Lane \AIIlkes-Barre, PA 18702 (570) 826-0510 OR 1-600-822-0359 FAX (570) 829-1665-CALL BEFORE FAXING (570) 455-4994 HAZELTON FAX (570) 458-5631-GALL BEFORE FAXING (570) 836--1090 TVNKHANNOCK MONTGOMERY COUNTY Acom Housing Corporation 846 North 6road Streel Philadelphia. PA 19130 (215) 765-1221 FAX (215) 765-1427 Northwest Counseling SefVlee 5001 N. Broad street Philadelphia. PA 19141 (215l 324-7500 FAX 1215) 324-6753 cces of Delaware Vahey Norrislown Business Center 190 W. Germantown Pike, Suite 140 Norristown PA. 19401 (215) 563.5665 Community ACl:ion Development eomm 701 DeKalb Street Norristown, PA 19401 (610) 277-6363 FAX (6101 277-2123 eees of Oelawate Valley 1515 Markel Street. Su~e 1325 Philadelphia. PA 19107 (215) 563-5665 FAX (215) 864-2666 Community Housing Counselors lnc P.O. Box 244 Kennell Square. FA 19348 (215) 4<4-3682 FAX (215) 444-6243 Media FeKowsh,p House ~ 302 S. Jackson Streel Media, PA 19063 (610) 565-OS<8 .' Phila Coune" For Community Advmnt 100 North 17th Street, Suite 600 Philadalphia, PA 19103 (215l567-7B03 FAX (21S) 963.9941 American Credit Counseling Inslltute 845 Coales st. eoatesvilla, PA 19320 (888) 212-6741 14< E. Oakaib Pike King of PrussIa P^ > r,/ (610) 971-2210 FAX (610) 265-4814 755 York Rd., Suite 1~', Warminster PA 18974 (215) 444-9429 FAX (215) 958-6344 MONTOUR COUNTY cees of Northeastern Pennsylvania 31 W. Market Street P.O. Box 1127 Wilkes.Barre, PA 18702 (570) 821-0837 OR 1-800-922-9537 FAX (570) 821.1785 1400 Abington Executive Park, Suite 1 Clarks Summin, PA 18411 (570) 587-9163 or 800-922-9537 FI>X (570) 587-9134/9135 NORTHAMPTON COUNTY eGes of Lehigh Valley 3671 Crescent Gourt East lNhitehall, PA 18052 (610) 821-4011 OR 1-800-220.2733 (717) & (614) ONLY FAX (610) 621-6932 NORTHUMBE~ND COUNTY cees of Nort stem Pennsylvania 31 W. Market Street P.O. Box 1127 Wilkes-Barre. PA 18702 (570) 821-0837 OR 1-800-922-9537 FAX (570) 821-1785 1400 Ablngton Executive Park Stille 1 Clarks SummiU, PA 18411 (570) 587-9163 or 600-922-9537 FAX (570 587.913419135 201 Basin Street Williamsport. PA 17703 (570) 323-6827 FAX (570) 323-6626 Economic Opportunity Cabinet of SchuylkUI County 225 North Centre Street Pottsville. PA 17901 (570) 622-1995 FAX (570) 622-0429 PERRY COUNTY cees of Western Pennsyl\lania, tnc. 2000 Unglestown Road Harrisburg, PA 17102 (717) 541.1757 FAX (717) 5414670 Financial Counseling Services of Franklin 31 West 3rd.Street Waynesboro, PA 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 2107 N.6th Slrael Harrisburg, PA 17101 (717) 234-5925 FAX (717) 234-94S9 . .cCCS bf Western Pennsylvania, Inc. YMCA BUilding 339 North Washington Sireel Butler. PI'. 16001 (412) 282-7812 WARRENCOUIl'lY Booker T, Washington Center 1720 Holland Street Erie. PI'. 16503 (814) 453-5744 FAX (814) 453.5749 Greater Ene Community Action Committee 18 West 9TH Street Erie, PI'. 16501 (614) 459-4561 FAX (614) 456-0161 Warren-Forrest Counties Economic Opportunity Council 1209 Pennsylvania Avenue, West P.O. Box 547 Warren, PA 16365 (814) 726-2400 FAX (814) 723-0510 WASHINGTON COUNTY Action Housing, Inc. 425 6th Avenue, Suite 950 PiIIsburgh. PI'. 15219 (412) 391-1956 or (412) 261-2102 FAX (412) 391-4512 Community Action Southwest 22 west High Street Waynesburg, PA 15370 (724) 852-2693 cees of Western Pennsytvania, Inc. 1 North Gate Square .2 GJrden Center Drive Greensburg. PI'. 15601 CCCS of Western Pennsylvania, Inc 53 N. College Street Washington PA 15301 (724) 222-8292 Housing Opportunities, IRe 133 Seventh S_t Md<eesport. PI'. 15132 (412) 884-1590 FAX (412) 664-0673 MooNaney Unemployed Commltlee 120 E. 9th Avenue Homestead. PI'. 15120 (412) 482-9962 FAX (412) 482-996 Credit COunselors of PA 401 WOod Street, Suite 906 PiUsbuf9h, PI'. 15222 (412) 338-9954 or 1(600) 737.2933 FAX (412) 338-9963 WAYNE CO!!!llY eces of Nortfiiistern Pennsylvania 1400 Abington Executive Part, Suite 1 Clarks SummlU. PI'. 18411 (S70) 587-9163 OR 1-600-922-9537 FAX (570) 587-9134/9135 31 W. Market 51. Wilkes-Ba... PI'. 18702 (570) 821-0837 o. 800-922-9537 FAX (570) 621-1785 9 S~ 7th Street Stroudsburg PI'. 16360 (570) 420-8980 or 800.922-9537 FAX (570) 42ll-8981 The Trehab Cenl:er of Northeastern PA 185 Elmira Street, P.O. Box 218 Troy. PA 16947 (570) 297-2101 FAX (S70) 297-2799 Garman Street. P.O. Box 369 FAX (570) 297-2799 (570) 928-9888 FAX (570) 928-8144 17 C<afton street \NeIlsboro. PI'. 16901 (570) 724-5252 FAX (570) 724-5783 931 Main Straet Hooesdale PA 18431 (570) 253-6941 FAX (570) 253-4617 103 Warren Street, P.O. Box 709 Tunkhannock, PA 1 a657 (570) 836-6840 FAX (570) 836.6332 7 lake Avenue, Box 339 Montrose. PI'. 16601 (570) 278-3336 or HOO-962-4045 FAX (570) 278-1869 WESTMORELAND COUNTY Action Housing, Inc. 425 6lh Avenue. Suite 950 Pittsburgh, PA 15219 (412) 391-1956 or (412) 261.2102 FAX (412) 391-4512 Community Action Southwest 22 West High Street Waynesburg. PI'. 15370 (724) 852-2893 CCCS of Westem Pennsylvania, Inc. t NOOh Gale Square '2 Garden Center Drive_ Gfeensl>urg, PI'. 15601 (724) 636-1290 eces ot Western Pennsylvania, Ine 199 Edison Street Uniontown PA 15401 (724) 439-8939 Housing Opportunities, rnc 133 Seventh Street McKeespon. PA 15132 (412) 664-1590 FAX (412) 664-0673 Mon.Valley Unemployed Committee 120 E. 9th Avenue Homestead. PA 15120 (412) 462-9962 FAX (412) 462-996 Indiana Co Community Adion Prog..... 821 Water Street. Box 167 Indiana. PA 15701 (724) 46S.2657 FAX (724) 465-5118 Keystone Economic Development Corporation 1954 Mary Grace lane Johnstown, PA 15901 (614) 535-6556 FAX (614) 539-1666 Tableland Services Inc. 535 East Main Street Somerset. PA 15501 (814) 445-9828 1.600-452-0146 FAX (614) 443-3690 Credit Counselors of PA 401 Wood Slreel, Suite 906 P"tsburgh, PI'. 15222 (412) 336-9954 or 1(600) 737-2933 FAX (412) 336-9963 WYOIIING COUIl'lY Common Economics Opportunity of luzeme Co 163 Amber lane 'Mftces.88ff8, Pennsylvania 18701 (570) 826-0510 OR 1-800.822-0359 FAX (570) 629-1665-0.t.L BEFORE FAXING (570) 4~994 HAZELTON FAX (570) 455-5631-CALL BEFORE FAXING (570) 836-4090 TUNKHANNOCK '. cces of Northeastern Pennsylvania 1400 Abi1gton ExeaJtive Park. Suite 1 Clarits Summitt. FA 18411 (570) 51l7-9153 OR 1-600-922-9537 FAX (570) 587.9134/9135 31 W. Market St. Wilkes.Barre PA 18702 (570) 821-0837 or 600-922-9537 FAX (570) 821-1785 The Trehab Centef of Northeastern PA 165 Elmira Street, P.O. Box 218 Troy. PA 16947 (570) 297-2101 FAX (570) 297-2799 German Street. P.O. Box 389 FAX(570)297-2799 (570) 928-9666 FAX (570) 926-8144 17 Crafton Street Wellsboro, PA 16901 (570) 724-5252 FAX (570) 724-5783 931 Main Street Honesdale PA 18431 (570) 253-8941 FAX (570) 253-4617 103 Warren Street. P.O. Box 709 Tun~llannocK, PA 18657 (570) 636-6640 FAX (570) 836-6332 7 l;1ke Avenue, Box 339 Montrose, PA 18801 (570) 276-3336 or 1-600-962-4045 FAX (570) 276-1669 YORK COUNTY Amencan Red Crc>ss-Hanover Chapti!r 529 Carlisle Street Hanover, Pennsylvania 17331 (717) 637.3766 FAX (717) 637-3294 Housing Council of York 116 North George Streel York, PA 17401 (717) 854.1541 FAX (717) 645-7934 eees of Western Pennsylvania, lnc 2000 linglestown Road Harrisburg, PA 17102 eces of Western Pennsylvania, Ine 912 South George Streel York, PA 17403 (717) 646-4175 Adams County Housing Authority 139.143 Car1Jsle SI Gettysburg PI'. 17325 (717) 334-1516 FAX (717) 334-6326 7'2 \) ~ 't- "\ ~ ~ '" '" \) ~~ 1- - ..:t ...0 W ~ , . w ~ ~ c~ ~ .-"'1 -n , .-1 ^ -1:: .... h'~ ~-. ,) (::\ :'::'. (-j )(';1 \ 'y"" D _,...I. -<. I . GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attorney LD. #16132 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-825-6321 Attorney for Plaintiff NATIONAL CITY MORTGAGE COMPANY PO Box 1820 Dayton, OH 45401-1820 IN THE COURT OF COMMON PLEAS Plaintiff of Cumberland County vs. TERRI C. BLACK JEFFREY W. PENTZ (Mortgagor(s) and Record owner(s)) 799 Torway Road Gardners, P A 17324 No. 06-3501 PRAECIPE TO DISCONTINUE AND END TO THE PROTHONOTARY: Kindly mark the above case Discontinued and Ended upon payment of your costs only. JOSEPH A. GOLDBECK, JR., ESQUIRE ~ ,':':';'1- c',:." d' , . C) -"\1 :::1 ~i1 - t...O - -" - r:--:~ f'~ -" SHERIFF'S RETURN - REGULAR CASE NO: 2006-03501 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND NATIONAL CITY MORTGAGE CO VS BLACK TERRI C ET AL SHANNON SHERTZER , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon BLACK TERRI C the DEFENDANT , at 1745:00 HOURS, on the 5th day of July , 2006 at 799 TORWAY ROAD GARDNERS, PA 17324 by handing to TERRI BLACK a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sworn and Subscibed 18.00 9.68 .00 10.00 .00 37.68/ ~ 1j).(lbi to So Answers: r~~ R. Thomas Kline Sheriff's Costs: Docketing Service Affidavit Surcharge 07/06/2006 GOLDBECK MCCAFFERTY MCKEEVER By: ~ ~( ___ V. i'-:r- Deputy Sh ;fff before me this day of A.D. SHERIFF'S RETURN - REGULAR " CASE NO: 2006-03501 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND NATIONAL CITY MORTGAGE CO VS BLACK TERRI C ET AL SHANNON SHERTZER , Sheriff or Deputy Sheriff of cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon PENTZ JEFFREY W the DEFENDANT , at 1745:00 HOURS, on the 5th day of July 2006 at 799 TORWAY ROAD GARDNERS, PA 17324 by handing to TERRI BLACK, GIRLFRIEND a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sworn and Subscibed 6.00 .00 .00 10.00 .00 16.00~ 07/06/2006 C}.- 1J.u'I" (, GOLDBECK MCCAFFERTY MCKEEVER to By: So Answers: ,l/..~1: ~/? /' 1,-"" .#'L~/.,.,4j r ~"$~':~- -~{-' .- R. Thomas Kline Sheriff's Costs: Docketing Service Affidavit Surcharge before me this day ~~ k 'dt; Deputy She iff of A.D.