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HomeMy WebLinkAbout06-3906UDREN LAVA OFFICES, P.C. ATTORNEY FOR PLAINTIFF BY: Nark J. Udren, Require ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 com Wells Fargo Bank, N.A., as Trustee for Option One Mortgage Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6 1270 Northland Drive Suite 200 Mendota Heights, MN 55120 Plaintiff V. Justin B. Gourley Kristine N. Gourley 218 East Main Street Mechanicsburg, PA 17055 Defendant(s) COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. O?p - 3 ! OLP COMPLAINT IN MORTGAGE FORECLOSURE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYERS REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se dafiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisioner de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. UDREN LAW OFFICES, P.C. /s/ Mark J. Udren, Esquire Woodcrest Corporate Center III Woodcrest Road, Suite 200 Cherry Hill, NJ 08003-3620 (856) 669-5400 1. Plaintiff is the Corporation designated as such in the caption on a preceding page. If Plaintiff is an assignee then it is such by virtue of the following recorded assignments: Assignor: Suntrust Mortgage Inc. Assignments of Record to: Option One Mortgage Corporation Recording Date: 3/22/04 Book: 706 Page: 4310 Assignments of Record to: Wells Fargo Bank, N.A., as Trustee for Option One Mortgage Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6 Recording Date: LODGED FOR RECORDING 2. Defendant (s) is the individual designated as such on the caption on a preceding page, whose last known address is as set forth in the caption, and unless designated otherwise, is the real owner(s) and mortgagor(s) of the premises being foreclosed. 3. On or about the date appearing on the Mortgage hereinafter described, at the instance and request of Defendant(s), Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned to the Defendant(s) the sum appearing on said Mortgage, which Mortgage was executed and delivered to Plaintiff as security for the indebtedness. Said Mortgage is incorporated herein by reference in accordance with Pa.R.C.P. 1019 (g). The information regarding the Mortgage being foreclosed is as follows: MORTGAGED PREMISES: 216 East Main Street MUNICIPALITY/TOWNSHIP/BOROUGH: Borough of Mechanicsburg COUNTY: Cumberland DATE EXECUTED: 8/4/03 DATE RECORDED: 8/12/03 BOOK: 1829 PAGE: 1302 The legal description of the mortgaged premises is attached hereto and made part hereof. 4. Said Mortgage is in default because the required payments have not been made as set forth below, and by its terms, upon breach and failure to cure said breach after notice, all sums secured by said mortgage, together with other charges authorized by said Mortgage itemized below, shall be immediately due. 5. After demand, the Defendant(s) continues to fail or refuses to comply with the terms of the Mortgage as follows: (a) by failing or refusing to pay the installments of principal and interest when due in the amounts indicated below; (b) by failing or refusing to pay other charges, if any, indicated below. 6. The following amounts are due on the said Mortgage as of 6/24/06: Principal of debt due Unpaid Interest at 10.25%* from 8/1/05 to 6/24/06 (the per diem interest accruing on this debt is $55.46 and that sum should 6/24/06be added each day after Title Report Court Costs (anticipated, excluding Sheriff's Sale costs) Late Charges (monthlyy late charge of 5107.31 should be added in accordance with the terms of the note each month after 6/24/06) NSF Charges $197,496.04 17,157.63 325.00 280.00 1,022.33 20.00 Attorneys Fees (anticipated and actual to 5% of principal) 9.874.80 TOTAL $226,175.80 *This interest rate is subject to adjustment as more fully set forth in the Note and Mortgage. 7. The attorney's fee set forth above are in conformity with the mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff's Sale. If the mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged in accordance with the reduction provisions of Act 6, if applicable. B. The combined notice specified by the Pennsylvania Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983 and Notice of Intention to Foreclose under Act 6 of 1974 has been sent to each defendant, via certified and regular mail, in accordance with the requirements of those acts, on the date appearing on the copy attached hereto as Exhibit "A", and made part hereof, and defendant(s) have failed to proceed within the time limits, or have been determined ineligible, or Plaintiff has not been notified in a timely manner of Defendant(s) eligibility. WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant(s) herein in the sum of $226,175.80 plus interest, costs and attorneys fees as more fully set forth in the Complaint, and for foreclosure and sale of the Mortgaged premises. Mark J. U en, ESQUIRE UDREN LAW FFICES, P.C. Attorney for Plaintiff Attorney I.D. No. 04302 LEGAL DESCRIPTION ALL THAT CERTAIN TRACT OR PIECE OF LAND WITH THE BUILDINGS THEREON ERECTED, SITUATE ON THE SOUTH SIDE OF EAST MAIN STREET IN THE BOROUGH OF MECHANICSBURG, SECOND WARD, COUNTY OF CUMBERLAND AND STATE OF PENNSYLVANIA, BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT: BEGINNING AT A POINT ON THE CURB LINE OF THE SOUTH SIDE OF EAST MAIN STREET AT THE NORTHEAST CORNER OF LANDS FORMERLY OF FRANCES EBERLY, NOW OF ROBERT H. TRIMBLE AND CORA TRIMBLE, HIS WIFE; THENCE ALONG SAID CURB LINE NORTH 71 DEGREES 00 MINUTES EAST 44.00 FEET TO AN IRON PIN AT THE NORTHWEST CORNER OF OTHER LANDS OF THE GRANTEES HEREIN; THENCE ALONG LANDS FORMERLY OF EVA B. DIXON, NOW OF THE GRANTEES HEREIN, SOUTH 19 DEGREES 00 MINUTES EAST 168.00 FEET TO AN IRON PIN AT STOUFFER ALLEY; THENCE ALONG SAID STOUFFER ALLEY, SOUTH 71 DEGREES 00 MINUTES WEST 44.00 FEET TO A SPIKE; THENCE ALONG LANDS FORMERLY OF FRANCES EBERLY, NOW OF ROBERT H. TRIMBLE AND CORA TRIMBLE, HIS WIFE, NORTH 19 DEGREES 00 MINUTES WEST 168.00 FEET TO A POINT ON THE CURB LINE ON THE SOUTH SIDE OF EAST MAIN STREET, THE POINT AND PLACE OF BEGINNING. HAVING THEREON ERECTED A TWO-STORY DWELLING HOUSE KNOWN AS NO. 218 EAST MAIN STREET, MECHANICSBURG, PENNSYLVANIA. THE AFORESAID DESCRIPTION IS MADE IN ACCORDANCE WITH SURVEY MADE BY CHARLES W. JUNKINS, REGISTERED SURVEYOR, AND DATED MAY 12,1978. b N ro m r m H H 3 n b7 3 n O r ro x 2 F N 4 m G Y b r r o 'HOW b12 O O Stn m z 30 mA n 0 t0 nr.m O3 H 0w0 ry ?z 10 H H W H n to O R7 m zr rr Y. .? M o Oro .0 *Z *0LIH N H. 0 0 N [9? Y' OfA II .1 H Q H V H 5 G7 n W n rt r 3 N o b o 0 ?c?m- 2 mn ? 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C n i o m rt 1 N m l N I o ro z w o o m v l A H n r f'- ro n n F'- O ro a 1 my N 0 1J-H-n2) b F IO lO rt a 1 J C 1O % .. mmn -ro M ? ro M o 3 m 1 n •• a 0Id H-r H- o H 1.4 1k< am Ha min 1 u, 11 C4 3 o C m O O a x M owwaal ro N oro o YI YI rt rt 1 n m In O G •• m m O C 1 c m .. .. G N M Z C m o ° my o v< m zm • • ? m r l n po w ? H MPd C N O O R H n a 1 OOm 0 < 0 •• 1 O I I 0 m n m m '.1.' I O H 1 0 ... .. .. .. wH mYa1 0 Y b O O O I N O N F• H WWI In lom? ? H b ? I H1mmro rn ° b1 mH I Y UI I N II H m H 44 O I Y yy H In m l o DC H m K i P ',d Y m W W 100 ? G Xf m m 3 rt zz M H O x n O n V0 a m H n M O 3 II m H O ro ro a H m A II ro x mro mb no rim H O1 H H K• 11 A N J W V E R I F I C A T I O N Mark J. Udren, Esquire, hereby states that he is the attorney for the Plaintiff, a corporation unless designated otherwise; that he is authorized to take this Verification and does so because of the exigencies regarding this matter, and because Plaintiff must verify much of the information through agents, and because he has personal knowledge of some of the facts averred in the foregoing pleading; and that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief and the source of his information is public records and reports of Plaintiff's agents. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. UDREN LAW OFFICES, P.C. I ?? ?? ?' ?? ? ? ?,. `o ? ? b,? R. a? ? -, ri ,. UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Wells Fargo Bank, N.A., as Trustee for Option One Mortgage Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6 Plaintiff V. Justin B. Gourley Kristine N. Gourley Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 06-3906 Civil PRAECIPE TO SUBSTITUTE VERIFICATION TO THE PROTHONOTARY: Kindly substitute the attached Verification for the Verification attached to the Complaint in Mortgage Foreclosure with regard to the captioned matter. UDREN LAW OFFICES, P.C. DATED: August 15, 2006 it Mark J.-Udren, Esquire Attorney for Plaintiff V E R I F I C A T I O N The undersigned, an officer of the Corporation which is the Plaintiff in the foregoing Complaint or an officer of the Corporation which is the servicing agent of Plaintiff, and being authorized to make this verification on behalf of the Plaintiff, hereby verifies that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief of the undersigned. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Date: Justin B. Gourley Kristine N. Gourley Loan #0011485067 MJU #06060556 Name : J ene Ura?y Title: sistant ecretary Company: Option One Mortgage Corporation, Attorney-In-Fact r. 1 C o d t ? 3- ---ii iar r. r Z •n C Gi R n z : - 4Ln <=: , ?" C: N 0 UDREN LAW OFFICES, P.C. BY: Nark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 Wells Fargo Bank, N.A., as Trustee for Option One Mortgage Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6 1270 Northland Drive Suite 200 Mendota Heights, MN 55120 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE V. Justin B. Gourley Kristine N. Gourley 218 East Main Street Mechanicsburg, PA 17055 Defendant(s) NO. 06-3906 Civil PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against the Defendant(s) Justin B. Gourley and Kristine N. Gourley for failure to file an Answer to Plaintiff's Complaint within 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: As set forth in Complaint $226,175.80 Interest Per Complaint 2,883.92 From 6/25/06 to 8/15/06 Late charges per Complaint 214.62 From 6/25/06 to 8/15/06 TOTAL I hereby certify that (1) the addresses of I the Plaintiff and Defendant are as shown above, and (2) that notice has been given in accordance with Rule 237.1, a copy of which is atta ed hereto. OFFICES, DAMAGES ARE HEREBY ASSESSED AS DATE: Q" I S. aoo(j ;y v .,. a, vYvia?u torney for Plaintiff NDICATED PRO PR H UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 com Wells Fargo Bank, N.A., as Trustee for Option One Mortgage Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6 1270 Northland Drive Suite 200 Mendota Heights, MN 55120 Plaintiff ATTORNEY FOR PLAINTIFF i COURT OF COMMON PLEAS - CIVIL DIVISION Cumberland County V. Justin B. Gourley Kristine N. Gourley 218 East Main Street Mechanicsburg, PA 17055 Defendant(s) NO.' COMPLAINT IN MORTGAGE FORECLOSURE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE 6ET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRI G A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYERS REFERR SERVICE Cumberland County B r Association 2 Liberty Avenue Carlisle, PA 17013 717-249-jl66 800-990-4108 F 'c rr SHERIFF'S RETURN - REGULAR CT.SE Q0: 2006-03906 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WELLS FARGO BANK NA VS GOURLEY JUSTIN B ET AL TIMOTHY REITZ , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon GOURLEY JUSTIN B the DEFENDANT , at 1330:00 HOURS, on the 12th day of July , 2006 at 218 EAST MAIN STREET MECHANICSBURG, PA 17055 by handing to KRISTINE N GOURLEY, WIFE 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: So Answers: Docketing 18.00 / Service 8.80 Affidavit .00 •33''?? Surcharge 10.00 R. Thomas Kline .00 36.80 07/13/2006 UDREN LAW OFFICE /J Sworn and Subscibed to By: before me this day Depu y Sheriff of A.D. i qI IF:?f-A?' SHERIFF'S RETURN - REGULAR ,CASE NO: 2006-03906 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WELLS FARGO BANK NA VS GOURLEY JUSTIN B ET TIMOTHY REITZ , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon GOURLEY KRISTINE N the DEFENDANT , at 1330:00 HOURS, on the 12th day of July 2006 at 218 EAST MAIN STREET MECHANICSBURG, PA 17055 by handing to KRISTINE GOURLEY 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: So Answers: Docketing Service 6.00 .00 yy / Affidavit .00 Surcharge 10.00 R. Thomas Kline .00 16.00 07/13/2006 UDREN LAW OFFICE Sworn and Subscibed to By: -"" before me this day Depu ty Sherif of A.D. UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY BILL, NJ 08003 ATTORNEY FOR PLAINTIFF Wells Fargo Bank, N.A., as Trustee for Option One Mortgage Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6 Plaintiff V. Justin B. Gourley Kristine N. Gourley Defendant(s) COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 06-3906 Civil TO: Kristine N. Gourley 218 East Main Street Mechanicsburg, PA 17055 DATE of Notice: August 4, 2006 IMPORTANT NOTICE 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 DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHAUT 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166' 800-990-91081, NOTIFICACION IMPORTANTE USTED SE ENCUENTRA EN ESTADO DE REBELDIA POR NO HABER TOMADO LA ACCION REQUIRIDA DE SU PARTE EN ESTE CASO. AL NO TOMAR LA ACCION DEBIDA DENTRO DE UN TERMING DE DIEZ (10) DIAS DE ESTA NOTIFICACIOR, EL TRIBUNAL PODRA, SIN NECESIDAD DE COMPARARECER USTED EN COUTE 0 ESCUCHAR PREUBA ALGUNA, DICTAR SENTENCIA EN SU CONTRA, USTED PUEDE PERDER BIENES Y OTROS DERECHOS, IMPORTANTES. DEBE LLEVAR ESTA NOTIFICACION A UN ABOGADO IMMEDIATAMENTE SI USTED NO TIENE ABOGADO, q SI NO TIENE DINERO SUFICIENTE PARA TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA, CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO'PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSISTENCIA LEGAL. SERVICIO DE REFERENCTA LEGAL LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 NOTICE: PURSUANT TO THE FAIR DEB COLLECTION PRACTICES ACT, THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECT IS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED II LD FOR THAT PURPOSE. ar r squire Woodcrest Corporate. Center 111 Woodcrest Road, Suite 200 Cherry Hill, New Jersey 08003-3620 UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003 ATTORNEY FOR PLAINTIFF Wells Fargo Bank, N.A., as Trustee for Option One Mortgage Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6 Plaintiff V. Justin B. Gourley Kristine N. Gourley Defendant(s) TO: Justin B. Gourley 218 East Main Street Mechanicsburg, PA 170SS COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 06-3906 Civil DATE of Notice: August 4, 2006 IMPORTANT NOTICE 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 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.Y U 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 USTED SE ENCUENTRA EN ESTADO DE REBELDIA POR NO HABER TOMADO LA ACCION REQUIRIDA DE SU PARTE EN ESTE CASO. AL NO TOMAR LA ACCION DEBIDA DENTRO DE UN TERMINO DE DIEZ (10) DIAS DE ESTA NOTIFICACION, EL TRIBUNAL PODRA, SIN NECESIDAD DE COMPARARECER USTED EN CORTE 0 ESCUCHAR PREUBA ALGUNA, DICTAR SENTENCIA EN SU CONTRA, USTED PUEDE PERI5ER BIENES Y OTROS DERECHOS, IMPORTANTES. DEBE LLEVAR ESTA NOTIFICACION A UN ABOGADO IMMEDIATAMENTE SI USTED NO TIENE ABOGADO, 0 SI NO TIENE DINERO SUFICIENTE PARA TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA, CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSISTENCIA LEGAL. SERVICIO DE REFERENCIA LEGAL LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 NOTICE: PURSUANT TO THE FAIR DEBT COLL TION PRACTICES ACT, THIS LAW FIRM IS DEEMED TO BE A DEBT COLLE AND IS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINEDL BE SEDFOR THAT PURPOSE. Woodcrest Corporate Center 111 Woodcrest Road, Suite 200 Cherry Hill, New Jersey 08003-3620 UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 Wells Fargo Bank, N.A., as Trustee for Option One Mortgage Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6 1270 Northland Drive Suite 200 Mendota Heights, MN 55120 Plaintiff V. Justin B. Gourley Kristine N. Gourley 218 East Main Street Mechanicsburg, PA 17055 Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE NO. 06-3906 Civil AFFIDAVIT OF NON-MILITARY SERVICE STATE OF /4tJ COUNTY OFk oTq SS THE UNDERSIGNED being duly sworn, deposes and says that the averments herein are based upon investigations made and records maintained by us either as Plaintiff or as servicing agent of the Plaintiff herein and that the above Defendant(s) are not in the Military or Naval Service of the United 'States of America or its Allies as defined in the Soldiers and Sailors Civil Relief Act of 1940, as amended, and that the age and last known residence and employment of each Defendant are as follows: Defendant: Age: Residence: Employment: Defendant: Age; Residence: Employment: to and st me this Tv 1v Justin B; Gourley Over 18 As captioned above Unknown Kristine N. Gourley Over 18 As captioned above Unknown 2 Yant Sdcretary on One Mortgage Attorney-In-Fact AML CARMELA D. lAOARp E HOWiY COMMM?w?fSOTR EXMRE6 JAN. 31.2 a 0 a C` 5,c? r. ? o UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 Wells Fargo Bank, N.A., as Trustee for Option One Mortgage Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6 1270 Northland Drive Suite 200 Mendota Heights, MN 55120 Plaintiff V. Justin B. Gourley Kristine N. Gourley 218 East Main Street Mechanicsburg, PA 17055 Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE NO. 06-3906 Civil PRAECIPE FOR WRIT OF EXECUTION TO THE PROTHONOTARY: Please issue Writ of Execution in the above matter: Amount due $229,274.34 Interest From August 16, 2006 6,266.98 to Date of Sale December 6, 2006 Ongoing Per Diem of 55.46 to actual date of sale including if sale is held at a later date (Costs to be added) LAW OFFICES, P •, vYvaa?u FOR PLAINTIFF a 4i. o Ph wl, 5! tib '? -0 f?l1 6` h m m;p -rn ti w w + WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 06-3906 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due WELLS FARGO BANK, N.A., AS TRUSTEE FOR OPTION ONE MORTGAGE LOAN TRUST 2003-6 ASSET-BACKED CERTIFICATES, SERIES 2003-6, Plaintiff (s) From JUSTIN B. GOURLEY AND KRISTINE N. GOURLEY (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 $229,274.34 L.L. $.50 Interest FROM 8/16/06 TO DATE OF SALE 12/6/06 ONGOING PER DIEM OF $55.46 TO ACTUAL DATE OF SALE INCLUDING IF SALE IS HELD AT A LATER DATE - $6,266.98 Arty's Comm '% Any Paid $134.80 Plaintiff Paid Date: AUGUST 15, 2006 (Seal) Due Prothy $1.00 Other Costs C TIS LONG Prothonotary By: Deputy REQUESTING PARTY: Name MARK J. UDREN, ESQUIRE Address: UDREN LAW OFFICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 Attorney for: PLAINTIFF Telephone: 856-669-5400 Supreme Court ID No. 04302 UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Wells Fargo Bank, N.A., as Trustee for Option One Mortgage Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6 1270 Northland Drive Suite 200 Mendota Heights, MN 55120 Plaintiff V. Justin B. Gourley Kristine N. Gourley 218 East Main Street Mechanicsburg, PA 17055 ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE NO. 06-3906 Civil Defendant(s) C E R T I F I C A T E Mark J. Udren, Esquire, hereby states that he is the attorney for the Plaintiff in the above-captioned matter and that the premises are not subject to the provisions of Act 91 because it is: ( ) An FHA insured mortgage ( ) Non-owner occupied ( ) Vacant ( X ) Act 91 procedures have been fulfilled. ( ) Over 24 months delinquent. This certification is made subject to the penal es of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification o authorities. 1JDREN 7AAW OF ACES, P.C J. Udren, ESQUIRE NEY FOR PLAINTIFF ? p C ? r _ r UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Wells Fargo Bank, N.A., as Trustee for option one Mortgage Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6 1270 Northland Drive Suite 200 Mendota Heights, MN 55120 Plaintiff v Justin B. Gourley Kristine N. Gourley 218 East Main Street Mechanicsburg, PA 17055 Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE NO. 06-3906 Civil AFFIDAVIT PURSUANT TO RULE 3129.1 Wells Fargo Bank, N.A., as Trustee for Option One Mortgage Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6, Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 218 East Main Street Mechanicsburg, PA 17055 1. Name and address of Owner(s) or reputed Owner(s): Name Address Justin B. Gourley 218 East Main Street Mechanicsburg, PA 17055 Kristine N. Gourley 218 East Main Street Mechanicsburg, PA 17055 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS #1 ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address Foxcroft Homeowners c/o PMI, P.O. Box 622 Association Lemoyne, PA 17043 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff herein. Principal Residential Mortgage Inc. See Caption above. 711 High Street Des Moines, IA 50392 C/O Frank Federman One Penn Center at Suburban Station 1617 JFK Blvd., Suite 1400 Philadelphia, PA 19103-1814 5. Name and address of every other person who has any record lien on the property: Name Address None 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Name Address Real Estate Tax Dept 1 Courthouse Sq., Carlisle, PA 17013 Domestic Relations Section Commonwealth of PA, Department of Revenue 13 N. Hanover St., Carlisle, PA 17013 Bureau of Compliance, PO Box 281230 Harrisburg, PA 17128-1230 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: Name Address Tenants/Occupants 218 East Main Street Mechanicsburg, PA 17055 .? 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. sec. 4904 relating to unsworn falsification to authorities. I UDREN LAW OFFICES, P.C DATED: August 15, 2006 rk J. Boren, ESQ. torney for Plaintiff C 0 c rnT7 Lo ry c> 23 -13 f_n ZV C -O CJ-s rn J C N -4 ? G UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Wells Fargo Bank, N.A., as Trustee for Option One Mortgage Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6 1270 Northland Drive Suite 200 Mendota Heights, MN 55120 Plaintiff V. Justin B. Gourley Kristine N. Gourley 218 East Main Street Mechanicsburg, PA 17055 Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE NO. 06-3906 Civil NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Justin B. Gourley 218 East Main Street Mechanicsburg, PA 17055 Your house (real estate) at 218 East Main Street Mechanicsburg, PA 17055 is scheduled to be sold at the Sheriff's Sale on December 6, 2006, at 10:00am in the Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $229,274.34, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856) 669-5400. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 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 on page two 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 TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-669- 5400. 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 856-669-5400. 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 the 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 30 days after the 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 Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 a n -- rn cf).' C-n c? ' < . - rn r c? l UDREN LAW OFFICES, P.C. `BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Wells Fargo Bank, N.A., as Trustee for Option One Mortgage Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6 1270 Northland Drive Suite 200 Mendota Heights, MN 55120 Plaintiff V. Justin B. Gourley Kristine N. Gourley 218 East Main Street Mechanicsburg, PA 17055 Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE NO. 06-3906 Civil NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Kristine N. Gourley 218 East Main Street Mechanicsburg, PA 17055 Your house (real estate) at 218 East Main Street Mechanicsburg, PA 17055 is scheduled to be sold at the Sheriff's Sale on December 6, 2006, at 10:00am in the Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $229,274.34, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856)-669-5400. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 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 on page two on how to obtain an attorney.) 1 YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER "kIGHTS EVEN IF THE SHERIFF'S SALE DOES TARE PLACE. 1. If the Sheriff's sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-669- 5400. 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 856-669-5400. 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 the 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 30 days after the 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 Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TARE 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 rou 73 m Q SHERIFF'S RETURN - REGULAR I CASE NO: 2006-03906 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WELLS FARGO BANK NA VS GOURLEY JUSTIN B ET AL TIMOTHY REITZ Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon GOURLEY JUSTIN B the DEFENDANT , at 1330:00 HOURS, on the 12th day of July , 2006 at 218 EAST MAIN STREET MECHANICSBURG, PA 17055 KRISTINE N GOURLEY, WIFE by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: So Answers: Docketing 18.00 Service 8.80 Affidavit .00 .11 ?14e? Surcharge 10.00 R. Thomas Kline .00 36.80,/ 07/13/2006 UDREN LAW OFFICE ^ Sworn and Subscibed to By: before me this day Depu y Sheriff of A. D. SHERIFF'S RETURN - REGULAR I LASE NO: 2006-03906 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WELLS FARGO BANK NA VS GOURLEY JUSTIN B ET AL TIMOTHY REITZ , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon GOURLEY KRISTINE N the DEFENDANT , at 1330:00 HOURS, on the 12th day of July , 2006 at 218 EAST MAIN STREET MECHANICSBURG, PA 17055 KRISTINE GOURLEY by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: So Answers: Docketing 6.00 Service .00 Affidavit 00 Surcharge 10.00 R. Thomas Kline .00 16.00,/ 07/13/2006 UDREN LAW OFFICE Sworn and Subscibed to By: before me this day Dep ty Sherif of A.D. t UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Wells Fargo Bank, N.A., as `COURT OF COMMON PLEAS Trustee for Option One =CIVIL DIVISION Mortgage Loan Trust 2003-6 :Cumberland County Asset-Backed Certificates, Series 2003-6 1270 Northland Drive Suite 200 Mendota Heights, MN 55120 Plaintiff V. Justin B. Gourley Kristine N. Gourley 218 East Main Street Mechanicsburg, PA 17055 Defendant(s) ::NO. 06-3906 Civil AFFIDAVIT OF SERVICE PURSUANT TO Pa.R.C.P.RULE 3129.1 Plaintiff, by its/his/her Attorney, Mark J. Udren, Esquire, hereby verifies that: 1. A copy of the Notice of Sheriff's Sale, a true and correct copy of which is attached hereto as Exhibit "A", was sent to every recorded lienholder and every other interested party known as of the date of the filing of the Praecipe for the Writ of Execution, on the date(s) appearing on the attached Certificates of Mailing. 2. A Notice of Sheriff's Sale was sent to Defendant(s) by regular mail and certified mail on the date appearing on the attached Return Receipt, which was signed for by Defendant(s) on the date specified on the said Return Receipt. Copies of the said Notice and Return Receipt are attached hereto as Exhibit "B". 3. If a Return Receipt is not attached hereto, then service was by personal service on the date specified on the attached Return of Service, attached hereto as Exhibit "B". 4. If service was by order of Court, then proof of compliance with said Order is attached hereto as Exhibit "B". All Notices were served within the time 1' it?set forth by Pa Rule C.P. 3129. C.S. Sec tion 4904 This Affidavit is made subject to the pena t es o VCE relating to unsworn falsification to autho i ie . Dated: December 1, 2006 UDR LA OP.C. BY: Mar J. U ren, Esquire Attorney for Plaintiff UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Wells Fargo Bank, N.A., as :COURT OF COMMON PLEAS Trustee for Option One :CIVIL DIVISION Mortgage Loan Trust 2003-6 :Cumberland County Asset-Backed Certificates, Series 2003-6 1270 Northland Drive ENO. 06-3906 Civil Suite 200 Mendota Heights, MN 55120 Plaintiff V. Justin B. Gourley Kristine N. Gourley 218 East Main Street Mechanicsburg, PA 17055 Defendant(s) DATE: September 8, 2006 TO: ALL PARTIES IN INTEREST AND CLAIMANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY OWNER(S): JUSTIN B. GOURLEY AND KRISTINE N. GOURLEY PROPERTY: 218 East Main Street, Mechanicsburg, PA 17055 Improvements: RESIDENTIAL DWELLING The above captioned property is scheduled to be sold at the Cumberland County Sheriff's Sale on December 6, 2006, at 10:00am, in the COMMISSIONERS HEARING ROOM, 2ND FLOOR, COURTHOUSE, CARLISLE, PA. Our records indicate that you may hold a mortgage or judgment on the property which will be extinguished by the sale. You may wish to attend the sale to protect your interests. A Schedule of Distribution will be filed by the Sheriff on a date specified by the Sheriff not later that 30 days after sale. Distribution will be made in accordance with the schedule unless exceptions are filed thereto within 10 days after the filing of the schedule. EXHIBIT A . La . o m . H ai U- _ W x od lL . . 1? is p? a' L mLL rE ' ? 11 a S w . . IS ?__" ?cr o 15 " xo fit § 9d r1V E 'Ox ? 90.11d3S s ,? :? • :r?.ate ?. ? a w a Y a ,? ?? g ap ? r f U 19 W mg Z W p C? ; 17i ° tea Q z M cm a? ,? YV L C9 u.:)- om U( c p = d i} a y m G, m CIA . Zg -- o P5, . r . o D p. Zw a a ? C1 = ,' til poF- z ? r z X00 PC b g a Fm z? ?t?c?Z 0 m? f CL wz Q wok C O a "Um lx 2: W I ca `W Z V O 2 Ti ? z cc Z W Xr W Z Q r U O I $ ?X Q O U O Q = ° O LU o, UU h am E- a U. am U. amr L m ?. c io m _? o-0 ?i Z t9 U W _ r E >. c? N Z Q '? m s J r N m V Ul) co OD Gl O r r N r CO) r V r W r g b f- I EXHIBIT A ;i 0 M U- li a Wells Fargo Bank N.A. as Trustee for Option One In the Court of Common Pleas of Mortgage Loan Trust 2003-6 Asset-Backed Cumberland County, Pennsylvania Certificates, Series 2003-6 Writ No. 2006-3906 Civil Term VS Justin B. Gourley and Kristine N. Gourley Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on September 14, 2006 at 1620 hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendants, to wit: Justin B. Gourley and Kristine N. Gourley, by making known unto Justin Gourley personally and adult in charge for Kristine N. Gourley, at 218 East Main Street, Mechanicsburg, Cumberland County, Pennsylvania its contents and at the same time handing to him 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 0851 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 Justin B. Gourley and Kristine N. Gourley located at 218 East Main Street, Mechanicsburg, 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 defendants, to wit: Justin B. Gourley and Kristine N. Gourley, by regular mail to their last known address of 218 East Main Street, Mechanicsburg, PA 17055. These letters were mailed under the date of October 05, 2006 and never returned to the Sheriffs Office. So Answe I 4_? R. Thomas Kline, Sheriff BY Real Estate' ergeant EXHIBIT B UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Wells Fargo Bank NA, as :COURT OF COMMON PLEAS Trustee for Option One Mtg. :CIVIL DIVISION Loan Trust 2003-6 Asset-Backed :Cumberland County Certificates, Series 2003-6 Plaintiff :MORTGAGE FORECLOSURE V. Justin B. Gourley :NO. 06-3906 CIVIL Kristine N. Gourley Defendant(s) PRAECIPE TO ISSUE WRIT OF EXECUTION TO THE PROTHONOTARY: Issue Writ of Execution in the above matter: Amount due $229,274.34 Interest From 8/16/06 21,407.56 to Date of Sale 9/5/07 Ongoing Per Diem of 55.46 to actual date of sale including if sale is held at a later date (Costs to be added) $ UDREN LAW OFFICES, P.C. MaIr Udren, QUIRE AT Y FOR PLAINTIFF a ? ?.,p Q C a r n p C p N C '? G w ^ ^ `'? ? ` h ^ W Cl) vS _ -f-, 71 r r WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 06-3906 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due WELLS FARGO BANK NA, AS TRUSTEE FOR OPTION ONE MTG. LOAN TRUST 2003-6 ASSET-BACKED CERTIFICATES, SERIES 2003-6, Plaintiff (s) From JUSTIN B. GOURLEY AND KRISTINE N. GOURLEY (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 $229,274.34 L.L. Interest FROM 8/16/06 TO DATE OF SALE 9/5/07 - $21,407.56 - ONGOING PER DIEM OF $55.46 TO ACTUAL DATE OF SALE INCLUDING IF SALE IS HELD AT A LATER DATE Atty's Comm % Atty Paid $1,063.92 Plaintiff Paid Date: MAY 9, 2007 (Seal) REQUESTING PARTY: Due Prothy $2.00 Other Costs Deputy Name MARK J. UDREN, ESQUIRE Address: UDREN LAW OFFICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 Attorney for: PLAINTIFF Telephone: 856-669-5400 Supreme Court ID No. 04302 IN THE UNITED STATES BANKRUPTCY COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA IN RE: JUSTIN B. GOURLEY Chapter 13 Case No.: 1-06-bk-02801 Debtor(s) ORDER DISMISSING CASE Upon Court's Motion To Dismiss For Failure to Appear at the meeting of creditors required under Section 341 of the Bankruptcy Code, it is ORDERED that the case of the above-named debtor(s) be and it hereby is dismissed and it is further ORDERED that the trustee hereby is discharged from further responsibility in this case, and it is further ORDERED that all pending adversary proceedings in this case be and they hereby are dismissed, and it is further ORDERED that any outstanding fees are immediately due and payable to the U.S. Bankruptcy Court. Date: April 5, 2007 By the Court, , . (5" RAW N. d, IL Bnbvpky Judge ? This document is electronically signed and riled on the same date. MDPA-DISMISS34IMPT REV 09/00 -77 nib r? r-n UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Wells Fargo Bank NA, as :COURT OF COMMON PLEAS Trustee for Option One Mtg. :CIVIL DIVISION Loan Trust 2003-6 Asset-Backed =Cumberland County Certificates, Series 2003-6 Plaintiff :MORTGAGE FORECLOSURE V. Justin B. Gourley :NO. 06-3906 CIVIL Kristine N. Gourley Defendant(s) C E R T I F I C A T E Mark J. Udren, Esquire, hereby states that he is the attorney for the Plaintiff in the above-captioned matter and that the premises are not subject to the provisions of Act 91 because it is: ( ) An FHA insured mortgage ( ) Non-owner occupied ( ) Vacant ( x ) Act 91 procedures have been fulfilled. ( ) Over 24 months delinquent. This certification is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. UDREN LAW OFFICES, P.C. a J. Udren, ESQUIRE TTORNEY FOR PLAINTIFF 77 c ? UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Wells Fargo Bank NA, as :COURT OF COMMON PLEAS Trustee for Option One Mtg. =CIVIL DIVISION Loan Trust 2003-6 Asset-Backed :Cumberland County Certificates, Series 2003-6 Plaintiff :MORTGAGE FORECLOSURE V. Justin B. Gourley ::NO. 06-3906 CIVIL Kristine N. Gourley Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129.1 Wells Fargo Bank NA, as Trustee for Option One Mtg. Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6, Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 218 East Main Street, Mechanicsburg, PA 17055 1. Name and address of Owner(s) or reputed Owner(s): Name Address Justin B. Gourley Kristine N. Gourley 218 East Main Street Mechanicsburg, PA 17055 218 East Main Street Mechanicsburg, PA 17055 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS #1 ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address Foxcroft Homeowners P.O. Box 622, Lemoyne, PA 17043 Association c/o PMI A 'V 4. Name and address of the last recorded holder of every mortgage of record: Name Address Wells Fargo Bank NA, as 6501 Irvine Center Drive Trustee for Option One Irvine, CA 92618-2118 Mtg. Loan Trust 2003-6 Asset-Backed Certificates 3 ADA, Irvine, CA 92618 Series 2003-6 Principal Residential Mortgage, Inc. c/o Frank Federman, Esquire, 1 Penn Center at Suburban Station, 1617 JFK Boulevard, Suite 1400 Philadelphia, PA 19103-1814 5. Name and address of on the property: Name none every other person who has any record lien 711 High Street Des Moines, IA 50392-0780 Address 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Name Address Real Estate Tax Department Domestic Relations Section Commonwealth of PA, Department of Revenue 7. Name and address of has knowledge who has affected by the sale: Name Tenants/Occupants 218 East Main Street Mechanicsburg, PA 17055 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. sec. 4904 relating to unsworn falsification to authorities. i UDREN LAW OFFICES,/ P.C. DATED: May 7, 2007 1 Courthouse Square Carlisle, PA 17013 13 North Hanover Street Carlisle, PA 17013 Bureau of Compliance, PO Box 281230 Harrisburg, PA 17128-1230 every other person of whom the plaintiff any interest in the property which may be Address Mar'k-'J. Udreri, ESQ. Attorney for Plaintiff r.? ?' c? ` -?- -..., s`t `!7l ; _ '^ ? - ? _. r- ' 6?ti7 - t't-3 : r .. ={ ,? ? °° "C r UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Wells Fargo Bank NA, as ::COURT OF COMMON PLEAS Trustee for Option One Mtg. :CIVIL DIVISION Loan Trust 2003-6 Asset-Backed :Cumberland County Certificates, Series 2003-6 Plaintiff :MORTGAGE FORECLOSURE V. Justin B. Gourley ::NO. 06-3906 CIVIL Kristine N. Gourley Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY To: Justin B. Gourley 218 East Main Street Mechanicsburg, PA 17055 Your house (real estate) at 218 East Main Street, Mechanicsburg, PA 17055 is scheduled to be sold at the Sheriff's Sale on September 5, 2007, at 10:00 am in the Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $229,274.34, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856) 669-5400. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 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 on page two on how to obtain an attorney.) e YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TARE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-669- 5400. 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 856-669-5400. 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 the 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 30 days after the 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 Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 - - u ? r r 7D "Y • UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Wells Fargo Bank NA, as :COURT OF COMMON PLEAS Trustee for Option One Mtg. :CIVIL DIVISION Loan Trust 2003-6 Asset-Backed :Cumberland County Certificates, Series 2003-6 Plaintiff :MORTGAGE FORECLOSURE V. Justin B. Gourley :NO. 06-3906 CIVIL Kristine N. Gourley Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY To: Kristine N. Gourley 218 East Main Street Mechanicsburg, PA 17055 Your house (real estate) at 218 East Main Street, Mechanicsburg, PA 17055 is scheduled to be sold at the Sheriff's Sale on September 5, 2007, at 10:00 am in the Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $229,274.34, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be canceled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856)-669-5400. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 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 on page two on how to obtain an attorney.) a YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TARE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-669- 5400. 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 856-669-5400. 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 the 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 30 days after the 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 Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 Wells Fargo Bank N.A. as Trustee for Option One In the Court of Common Pleas of Mortgage Loan Trust 2003-6 Asset-Backed Cumberland County, Pennsylvania Certificates, Series 2003-6 Writ No. 2006-3906 Civil Term VS Justin B. Gourley and Kristine N. Gourley Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on September 14, 2006 at 1620 hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendants, to wit: Justin B. Gourley and Kristine N. Gourley, by making known unto Justin Gourley personally and adult in charge for Kristine N. Gourley, at 218 East Main Street, Mechanicsburg, Cumberland County, Pennsylvania its contents and at the same time handing to him 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 0851 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 Justin B. Gourley and Kristine N. Gourley located at 218 East Main Street, Mechanicsburg, 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 defendants, to wit: Justin B. Gourley and Kristine N. Gourley, by regular mail to their last known address of 218 East Main Street, Mechanicsburg, PA 17055. These letters were 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 Mark J. Udren. Sheriffs Costs: Docketing 30.00 Poundage 17.80 Posting Handbills 15.00 Advertising 15.00 Law Library .50 Prothonotary 1.00 Certified Mail 2.72 Mileage 17.60 Levy 15.00 Surcharge 30.00 55 66? Law Journal 395.00 Patriot News 332.06 Share of Bills 15.94 Postpone Sale 20.00 62 $907 . ,=s: R. Thomas Kline, Sheriff BYVQ clk Real Estat "ergeant WRIT OF EXECUTION and/or ATTACHMENT r COMMONWEALTH OF PENNSYLVANIA) NO 06-3906 Civil COUNTY OF CUMBERLAND) CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due WELLS FARGO BANK, N.A., AS TRUSTEE FOR OPTION ONE MORTGAGE LOAN TRUST 2003-6 ASSET-BACKED CERTIFICATES, SERIES 2003-6, Plaintiff (s) From JUSTIN B. GOURLEY AND KRISTINE N. GOURLEY (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 $229,274.34 L.L. $.50 Interest FROM 8/16/06 TO DATE OF SALE 12/6/06 ONGOING PER DIEM OF $55.46 TO ACTUAL DATE OF SALE INCLUDING IF SALE IS HELD AT A LATER DATE - $6,266.98 Atty's Comm % Atty Paid $134.80 Plaintiff Paid Date: AUGUST 15, 2006 (Seal) Due Prothy $1.00 Other Costs URTIS ONG Prothonotary By: Deputy REQUESTING PARTY: Name MARK J. UDREN, ESQUIRE Address: UDREN LAW OFFICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 Attorney for: PLAINTIFF Telephone: 856-669-5400 Supreme Court ID No. 04302 Real Estate Sale # 31 On September 7, 2006 the Sheriff levied upon the defendant's interest in the real property situated in Borough of Mechanicsburg, Cumberland County, PA Known and numbered as 218 East Main Street, Mechanicsburg, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: September 7, 2006 By: Real Estate Sergeant _ E 0 .E d 8 19(l? 9001 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. Marie Coyne, 4ditor WORN 10 AND SUBSCRIBED before me this 3 day of November, 2006 NOTARA SEAL v LOTS E. SNYDER, Notary Public Carlisle Boro, Cumberland County My Commission Expires March 5, 2809 REAL ESTATE SALE NO. 31 Writ No. 2006-3906 Civil Wells Fargo Bank, N.A., as Trustee For Option One Mortgage Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6 vs. Justin B. Gourley, Kristine N. Gourley Atty.: Mark J. Udren ALL THAT CERTAIN tract or piece of land with the buildings thereon erected, situate on the south side of East Main Street in the Borough of Mechanicsburg, Sec- ond Ward, County of Cumberland and State of Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point on the curb line of the south side of East Main Street at the northeast comer of lands formerly of Frances Eberly, now of Robert H. Trimble and Cora Trimble, his wife; THENCE along said curb line North 71 degrees 00 minutes East 44.00 feet to an iron pin at the northwest corner of other lands of the grantees herein; THENCE along lands formerly of Eva B. Dixon, now of the grantees herein, South 19 degrees 00 min- utes East 168.00 feet to an iron pin at Stouffer Alley; THENCE along said Stouffer Alley, South 71 degrees 00 minutes West 44.00 feet to a spike: THENCE along lands formerly of Frances Eberly, now of Robert H. Trimble and Cora Trimble, his wife, North 19 degrees 00 minutes West 168.00 feet to a point on the curb line on the south side of East Main Street, the point and place of be- ginning. HAVING thereon erected a two- story dwelling house known as No. 218 East Main Street, Mechanics- burg, Pennsylvania. THE AFORESAID DESCRIPTION is made in accordance with survey made by Charles W. Junkins, Reg- istered Surveyor, and dated May 12, 1978. BEING KNOWN AS: 218 East Main Street, Mechanicsburg, PA 17055. PROPERTY ID NO.: 17-23-0565- 099. TITLE TO SAID PREMISES IS VESTED IN Justin B. Gourley and Kristine N. Gourley, husband and wife by Deed from Simon Rogers, married man dated 8/4/03 re- corded 8/12/03 in Deed Book 258 Page 3260. 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 .................... .. ................N....?....,,.,,.........2?..pppp........... COPY Sworn to an s se ' ed befor COM ONWEALTHy$F PENf?SYLVANIR6 A.D. SALE #31 Notarial Seal Terry L. Russell, Notary Public City of Harrisburg, Dauphin County My Colnmiss'ion Expireoune 6, NOTAKY PUBLIC CUMBERLAND COUNTY SHERIFF'S OFFICE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA. 17013 ,_,. UDREN LAW OFFICES, P.C. BY: Mark J. Udren ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Wells Fargo Bank NA, as Trustee for Option One Mtg. Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6 6501 Irvine Center Drive Irvine, CA 92618-2118 Plaintiff V. Justin B. Gourley Kristine N. Gourley 218 East Main Street Mechanicsburg, PA 17055 De f endant (s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 06-3906 CIVIL AFFIDAVIT OF SERVICE PURSUANT TO Pa.R.C.P.RULE 3129.1 Plaintiff, by its/his/her Attorney, Mark J. Udren, Esquire, hereby verifies that: 1. A copy of the Notice of Sheriff's Sale, a true and correct copy of which is attached hereto as Exhibit "A", was sent to every recorded lienholder and every other interested party known-as of the date of the filing of the Praecipe for the Writ of Execution, on the date(s) appearing on the attached Certificates of Mailing. 2. A Notice of Sheriff's Sale was sent to Defendant(s) by regular mail and certified mail on the date appearing on the attached Return Receipt, which was signed for by Defendant(s) on the date specified on the said Return Receipt. Copies of the said Notice and Return Receipt are attached hereto as Exhibit "B". 3. If a Return Receipt is not attached hereto, then service was by personal service on the date specified on the attached Return of Sopvice, attached hereto as Exhibit "B". 4. If service was by order of Court, then proof of compliance with said Order is attached hereto as Exhibit "B". All Notices were served within the time limits set forth by Pa Rule C.P. 3129. This Affidavit is made subject to t ti s of,/?8 relating to unsworn falsification to authorit es / ? Dated: August 30, 2007 BF: O .S. Section 4904 P. C. Attorney for P UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Wells Fargo Bank NA, as Trustee for Option One Mtg. Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6 Plaintiff V. Justin B. Gourley Kristine N. Gourley Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 06-3906 CIVIL TO: ALL PARTIES IN,INTEREST AND CLAIMANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY OWNER(S): Justin B. Gourley and Kristine N. Gourley PROPERTY: 218 East Main Street, Mechanicsburg, PA 17055 Improvements: RESIDENTIAL DWELLING The above captioned property is scheduled to be sold at the Cumberland County Sheriffs Sale on -9@j&mber 5. 2007, at 10:00 am, at the Commissioners Hearing Room, 2' Floor, Courthouse, Carlisle, PA. Our records indicate that you may hold a mortgage or judgment on the property which will be extinguished by the sale. You may wish to attend the sale to protect your interests. A Schedule of Distribution will be filed by the Sheriff on a date specified by the Sheriff not later than 30 days after sale: = Distribution will be made in accordance with the schedule unless exceptions are filed thereto within 10 days after the filing of the schedule. -*Wo-4v EXHIBIT A od$ d W 61 fl a o 0 a COLD da W r 7`! ? 3Naoa iL0.51t11( A y W ? ?pp ? ate- ? m 1? '? to O W uwj a. r" `?°D4 W 06 p <- t S co x•11, 11{i4 N ?„ r EXHIBIT A d a r 2g. O V Y. m 2 r? ? a Wells Fargo Bank NA, as Trustee for Option In the Court of Common Pleas of One Mtg. Loan Trust 2003-6 Asset-Backed Cumberland County, Pennsylvania Certificates, Series 2003-6 Writ No. 2006-3906 Civil Term VS Justin B. Gourley and Kristine N. Gourley Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on June 18, 2007 at 1535 hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendants, to wit: Justin B. Gourley and Kristine N. Gourley, by making known unto Justin B. Gourley personally and husband to Kristine N. Gourley, at 218 East Main Street, Mechanicsburg, Cumberland County, Pennsylvania its contents and at the same time handing to him personally the said true and correct copy of the same. Cpl. Timothy Reitz, Deputy Sheriff, who being duly sworn according to law, states that on July 6, 2007 at 1424 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 Justin B. Gourley and Kristine N. Gourley located at 218 East Main Street, Mechanicsburg, 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 defendants, to wit: Justin B. Gourley and Kristine N. Gourley, by regular mail to their last known address of 218 East Main Street, Mechanicsburg, PA 17055. These letters were mailed under the date of July 2, 2007 and never returned to the Sheriffs Office. So Answers: R. Thomas Kline. Sheriff BY JA I'L. Real Estate rgeant EXHIBITS #?? s? :. ?? -.s ? -t3 ;. ? ?? ? ?. COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SS: I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriff's Deed in which Wells Fargo Bank N A Tr is the grantee the same having been sold to said grantee on the 5th day of Sept A.D., 2007, under and by virtue of a writ Execution issued on the 9th day of May, A.D., 2007, out of the Court of Common Pleas of said County as of Civil Term, 2006 Number 3906, at the suit of Wells Fargo bank N A Tr against Justin B Gourley & Kristine N is duly recorded as Instrument Number 200737255. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal of said office this J, (o day of 'f' , A.D. ;-0 0 Recorder f Deeds Row & of D"dc Cumbsdmd County, C&1W PA fly Con*iwion E*=1% FW Monday of JW.2010 Wells Fargo Bank NA, as Trustee for Option In the Court of Common Pleas of One Mtg. Loan Trust 2003-6 Asset-Backed Cumberland County, Pennsylvania Certificates, Series 2003-6 Writ No. 2006-3906 Civil Term VS Justin B. Gourley and Kristine N. Gourley Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on June 18, 2007 at 15 hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendants, to wit: Justin B. Gourley and Kristine N. Gourley, by making known unto Justin B. Gourley personally and husband to Kristine N. Gourley, at 218 East Main Street, Mechanicsburg, Cumberland County, Pennsylvania its contents and at the same time handing to him personally the said true and correct copy of the same. Cpl. Timothy Reitz, Deputy Sheriff, who being duly sworn according to law, states that on July 6, 2007 at 1424 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 Justin B. Gourley and Kristine N. Gourley located at 218 East Main Street, Mechanicsburg, 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 defendants, to wit: Justin B. Gourley and Kristine N. Gourley, by regular mail to their last known address of 218 East Main Street, Mechanicsburg, PA 17055. These letters were mailed under the date of July 2, 2007 and never returned to the Sheriffs Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Courthouse, Carlisle, Cumberland County, Pennsylvania on September 5, 2007 at 10:00 o'clock A.M. He sold the same for the sum of $1.00 to Attorney Mark Udren on behalf of Wells Fargo Bank, N.A., as Trustee for Option One Mortgage Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6. It being the highest bid and best price received for the same Wells Fargo Bank, N.A., as Trustee for Option One Mortgage Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6 of 6501 Irvine Center Drive, Irvine CA 92618, being the buyer in this execution, paid to Sheriff R. Thomas Kline the sum of $1,094.21. Sheriffs Costs: Docketing $30.00 Poundage 21.46 Posting Bills 15.00 Advertising 15.00 Acknowledging Deed 48.00 Auctioneer 10.00 Prothonotary 2.00 Mileage 19.20 Levy 15.00 Surcharge 30.00 Law Journal 389.00 Patriot News 419.36 Share of Bills 15.69 Distribution of Proceeds 25.00 Sheriffs Deed 39.50 $1,094.21 So Answers: R. Thomas Kline, Sheriff BY Real Estate ergeant ? 9- JO/Of/0-7 y Ot 6 d S/ lr ?99? ?? UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Wells Fargo Bank NA, as :COURT OF COMMON PLEAS Trustee for Option One Mtg. :CIVIL DIVISION Loan Trust 2003-6 Asset-Backed ;Cumberland County Certificates, Series 2003-6 Plaintiff '=.MORTGAGE FORECLOSURE V. Justin B. Gourley :NO. 06-3906 CIVIL Kristine N. Gourley Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129.1 Wells Fargo Bank NA, as Trustee for Option One Mtg. Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6, Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 218 East Main Street, Mechanicsburg, PA 17055 1. Name and address of Owner(s) or reputed Owner(s): Name Address Justin B. Gourley 218 East Main Street Mechanicsburg, PA 17055 Kristine N. Gourley 218 East Main Street Mechanicsburg, PA 17055 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS #1 ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address Foxcroft Homeowners P.O. Box 622, Lemoyne, PA 17043 Association c/o PMI 4. Name and address of the last recorded holder of every mortgage of record: Name Address Wells Fargo Bank NA, as Trustee for Option One Mtg. Loan Trust 2003-6 Asset-Backed Certificates Series 2003-6 6501 Irvine Center Drive Irvine, CA 92618-2118 3 ADA, Irvine, CA 92618 Principal Residential Mortgage, Inc. 711 High Street Des Moines, IA 50392-0780 c/o Frank Federman, Esquire, 1 Penn Center at Suburban Station, 1617 JFK Boulevard, Suite 1400 Philadelphia, PA 19103-1814 5. Name and address of every other person who has any record lien on the property: Name Address none 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Name Address Real Estate Tax Department 1 Courthouse Square Carlisle, PA 17013 Domestic Relations Section Commonwealth of PA, Department of Revenue 13 North Hanover Street Carlisle, PA 17013 Bureau of Compliance, PO Box 281230 Harrisburg, PA 17128-1230 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: Name Address Tenants/Occupants 218 East Main Street Mechanicsburg, PA 17055 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. sec. 4904 relating to unsworn falsification to authorities. / UDREN LAW OFFICES,/ P.C. DATED: May 7, 2007 Mar)e-'J. Udreri, ESQ. Attorney for Plaintiff I& UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Wells Fargo Bank NA, as `:COURT OF COMMON PLEAS Trustee for Option One Mtg. =CIVIL DIVISION Loan Trust 2003-6 Asset-Backed :Cumberland County Certificates, Series 2003-6 Plaintiff :MORTGAGE FORECLOSURE V. Justin B. Gourley :NO. 06-3906 CIVIL Kristine N. Gourley Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY To: Justin B. Gourley 218 East Main Street Mechanicsburg, PA 17055 Your house (real estate) at 218 East Main Street, Mechanicsburg, PA 17055 is scheduled to be sold at the Sheriff's Sale on September 5, 2007, at 10:00 am in the Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $229,274.34, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856) 669-5400. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 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 on page two 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 TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-669- 5400. 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 856-669-5400. 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 the 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 30 days after the 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 Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TARE 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 J UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@udren.com Wells Fargo Bank NA, as :COURT OF COMMON PLEAS Trustee for Option One Mtg. :CIVIL DIVISION Loan Trust 2003-6 Asset-Backed :Cumberland County Certificates, Series 2003-6 Plaintiff :MORTGAGE FORECLOSURE V. Justin B. Gourley =NO. 06-3906 CIVIL .Kristine N. Gourley Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY To: Kristine N. Gourley 218 East Main Street Mechanicsburg, PA 17055 Your house (real estate) at 218 East Main Street, Mechanicsburg, PA 17055 is scheduled to be sold at the Sheriff's Sale on September 5, 2007, at 10:00 am in the Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $229,274.34, obtained by Plaintiff above (the mortgagee) against. you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be canceled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: _(856)-669-5400. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 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 on page two 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 TARE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-669- 5400. 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 856-669-5400. 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 the 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 30 days after the 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 Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 ALL THAT CERTAIN TRACT OR PIECE OF LAND WITH THE BUILDINGS THEREON ERECTED, SITUATE ON THE SOUTH SIDE OF EAST MAIN STREET IN THE BOROUGH OF MECHANICSBURG, SECOND WARD, COUNTY OF CUMBERLAND AND STATE OF PENNSYLVANIA, BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT: BEGINNING AT A POINT ON THE CURB LINE OF THE SOUTH SIDE OF EAST MAIN STREET AT THE NORTHEAST CORNER OF LANDS FORMERLY OF FRANCES EBERLY, NOW OF ROBERT H. TRIlVBLE AND CORA TRIMBLE, HIS WIFE; THENCE ALONG SAID CURB LINE NORTH 71 DEGREES 00 MINUTES EAST 44.00 FEET TO AN IRON PIN AT THE NORTHWEST CORNER OF OTHER LANDS OF THE GRANTEES, HEREIN; THENCE ALONG LANDS FORMERLY OF EVA B. DIXON, NOW OF THE GRANTEES HEREIN, SOUTH 19 DEGREES 00 MINUTES EAST 168.00 FEET TO AN IRON PIN AT STOUFFER ALLEY; THENCE ALONG SAID ,STOUFFER ALLEY, SOUTH 71 DEGREES -00 NIINUTES WEST 44.00 FEET TO A SPIKE; THENCE ALONG LANDS FORMERLY OF FRANCES EBERLY, NOW OF ROBERT H. TRIMLE AND CORA TRIMBLE, HIS WIFE, NORTH 19 DEGREES 00 MINUTES WEST 168.00 FEET TO A POINT ON THE CURB LINE ON THE SOUTH SIDE OF EAST MAIN STREET, THE POINT AND PLACE OF BEGINNING. HAVING THEREON ERECTED A TWO-STORY DWELLING HOUSE KNOWN AS NO. 218 EAST MAIN STREET, MECHANICSBURG, PENNSYLVANIA. THE AFORESAID DESCRIPTION IS MADE IN ACCORDANCE WITH SURVEY MADE BY CHARLES W. JUNKINS, REGISTERED SURVEYOR, AND DATED MAY 129 i978. BEING KNOWN AS: 218 EAST MAIN STREET, MECHANICSBURG, PA 17055 PROPERTY ID NO.: 17-23-0565-099 TITLE TO SAID PREMISES IS VESTED IN JUSTIN B. GOURLEY AND KRISTINE N. GOURLEY, HUSBAND AND WIFE BY DEED FROM SIMON ROGERS, MARRIED MAN DATED 8/4/03 RECORDED 8/12/03 IN DEED BOOK 258 PAGE 3260. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO 06-3906 Civil COUNTY OF CUMBERLAND) CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due WELLS FARGO BANK NA, AS TRUSTEE FOR OPTION ONE MTG. LOAN TRUST 2003-6 ASSET-BACKED CERTIFICATES, SERIES 2003-6, Plaintiff (s) From JUSTIN B. GOURLEY AND KRISTINE N. GOURLEY (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 $229,274.34 L.L. Interest FROM 8/16/06 TO DATE OF SALE 9/5/07 - $21,407.56 - ONGOING PER DIEM OF $55.46 TO ACTUAL DATE OF SALE INCLUDING IF SALE IS HELD AT A LATER DATE Atty's Comm % Due Prothy $2.00 Atty Paid $1,063.92 Other Costs Plaintiff Paid Date: MAY 9, 2007 (Seal) 1? C (s R. Long, not By: Deputy REQUESTING PARTY: Name MARK J. UDREN, ESQUIRE Address: UDREN LAW OFFICES, P.C. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 Attorney for: PLAINTIFF Telephone: 856-669-5400 Supreme Court ID No. 04302 Real Estate Sale # 42 On June 5, 2007 the Sheriff levied upon the defendant's interest in the real property situated in Mechanicsburg Borough, Cumberland County, PA Known and numbered as 218 East Main Street, Mechanicsburg, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: June 5, 2007 By. Real Es to Sergeant ?' ?? C j G ( ,i't''r «'i'Z 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 Shannon D. Billhime, being duly sworn according to law, deposes and says: That she is a Staff Accountant with 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 18th and 25th day(s) of July and the 1st day(s) of August 2007. 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 #42 5 . . ......... ........... &--? . . . ... ...... Sworn to and subscribeddM*" Al §& j41 AukVA07 A.D. Notarial Seal Terry L. Russell, Notary Public City Of Harrisburg, Dauphin County toy Commission Expires June 6, 2010 Me ber, P n sylvanla .Association nt Notarae: r r N AR PUB IC 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: July 20, July 27, and August 3, 2007 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. r Coyne, SWOIN-TO AND SUBSCRIBED before me this 3 day of August, 2007 Notary NOTARIAL SEAL DEBORAH A COLLINS Notary PubNc CARLISLE BORO, CUMBERLAND COUNIy My Comm" M EzpUMAp, 2010 28 URAL 1W'TATZ G&LB NO. 42 Writ No. 2006-3906 Civil Wells Fargo Bank NA, as Trustee for Option One Mtg. Loan Trust 2003-6 Asset-Backed Certificates, Series 2003-6 vs. Justin B. Gourley and Kristine N. Gourley Atty.: Mark Udren DESCRIPTION ALL THAT CERTAIN tract or piece of land with the buildings thereon erected, situate on the south side of East Main Street in the Borough of Mechanicsburg, Second Ward, County of Cumberland and State of Pennsylvania, bounded and de- scribed as follows, to wit: BEGINNING at a point on the curb line of the south side of East Main Street at the northeast comer of lands formerly of Frances Eberly, now of Robert H. Trimble and Cora Trimble, his wife; thence along said curb line North 71 degrees 00 min- utes East 44.00 feet to an iron pin at the northwest corner of other lands of the grantees herein; thence along lands formerly of Eva B. Dixon, now of the grantees herein, South 19 degrees 00 minutes East 168.00 feet to an iron pin at Stouffer Alley; thence along said Stouffer Alley, South 71 degrees 00 minutes West 44.00 feet to a spike; thence along lands formerly of Frances Eberly, now of Robert H. Trimble and Cora Trimble, his wife, North 19 degrees 00 minutes West 168.00 feet to a point on the curb line on the south side of East Main Street, the point and place of beginning. HAVING thereon erected a two- story dwelling house known as No. 218 East Main Street, Mechanics- burg, Pennsylvania. THE aforesaid description is made in accordance with survey made by Charles W. Junkins, Registered Sur- veyor, and dated May 12, 1978. BEING KNOWN AS: 218 EAST MAIN STREET, MECHANICSBURG, PA 17055. PROPERTY ID NO.: 17-23-0565- 099. TITLE TO SAID PREMISES IS VESTED IN Justin B. Gourley and Kristine N. Gourley, husband and wife by deed from Simon Rogers, married man dated 8/4/03 recorded 8/ 12/03 in Deed Book 258 Page 3260.