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HomeMy WebLinkAbout06-6978SHAPIRO & KREISMAN, LLC BY: KEVIN DISKIN, ESQ., ATTORNEY I.D. NO. 86727 LAUREN R. TABAS, ESQ., ATTORNEY I.D. NO. 93337 ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 MEGAN D.H. SMITH, ESQ., ATTORNEY I.D. NO. 84047 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered COURT OF COMMON PLEAS holders of Structured Asset Investment Loan ; CUMBERLAND COUNTY Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 NO: ?` - ?oq7? C U t PLAINTIFF VS. Scott A. Macak ' 707 Brenton Street Shippensburg, PA 17257 Judy F. Macak aka Judith F. Macak 707 Brenton Street Shippensburg, PA 17257 DEFENDANT(S) COMPLAINT - CIVIL ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY 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 OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN 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 DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO O NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 SHAPIRO & KREISMAN, LLC BY: KEVIN DISKIN, ESQ., ATTORNEY I.D. NO. 86727 LAUREN R. TABAS, ESQ., ATTORNEY I.D. NO. 93337 ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137 MEGAN D.H. SMITH, ESQ., ATTORNEY I.D. NO. 84047 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered COURT OF COMMON PLEAS holders of Structured Asset Investment Loan CUMBERLAND COUNTY Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 NO: PLAINTIFF VS. ' Scott A. Macak 707 Brenton Street Shippensburg, PA 17257 Judy F. Macak aka Judith F. Macak 707 Brenton Street Shippensburg, PA 17257 DEFENDANT(S) c?ta -- t?R7? COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4, the address of which is, 12650 Ingenuity Drive Orlando, Florida 32826, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: Mortgage Electronic Registration Systems, Inc. as nominee for First NLC Financial Services, LLC Mortgagor (s): Scott A. Macak and Judy F. Macak (b) Date of Mortgage: March 3, 2006 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1943 Page 2584 Date: March 16, 2006 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. (d) Assignments: Assignor: Mortgage Electronic Registration Systems, Inc. as nominee for First NLC Financial Services, LLC Assignee: U.S. Bank, N.A., as Trustee for the registered holders of Structured Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 Date of Assignment: As Recorded Recording Date: As Recorded 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by virtue of the above-described Assignment(s). 3. The real property which is subject to the Mortgage is generally known as 707 Brenton Street, Shippensburg, Pa 17257 and is more specifically described as attached as part of Exhibit "A": 4. Each Mortgagor named in paragraph 1 executed a note as evidence of the debt secured by the Mortgage (the "Note"). A true and correct copy of the Note is attached and marked as Exhibit "B." 5. The name and mailing address of each Defendant is: Scott A. Macak, 707 Brenton Street, Shippensburg, PA 17257; Judy F. Macak aka Judith F. Macak, 707 Brenton Street, Shippensburg, PA 17257 6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 7. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of July 1, 2006 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 8. The following amounts are due as of November 30, 2006: Principal of Mortgage debt due and unpaid Interest currently due and owing at 9.89% per annum calculated from June 1, 2006 at $43.03 each day Late Charge of $69.10 per month assessed on the 16th of each month from July 11, 2006 to November 11, 2006, (5 Months) Appraisal Fees Property Inspection Title Search/Report Fees Attorneys' Fees and Costs TOTAL $158,805.43 $7,874.49 $345.50 $111.00 $7,940.27 $250.00 $5,000.00 $180,326.69 9. Interest accrues at a per diem rate of 43.03 each day after November 30, 2006, that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Note and Mortgage. 10. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriff s sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. 11. This interest rate is subject to adjustment as more fully set forth in the Note and Mortgage. 12. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et SeMc ., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Pursuant to the act of December 21, 1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. Section 403 et seq., and separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached hereto as Exhibit "C". WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO & KREISMAN, LLC Date: 1,1?46 BY: Attorneys for P tiff S & K File No. 06-27604 act-99-zooli+ rr02:350 Fror T-561 P CIC/CF9 F-l d9 ACADtA SMLSWrr, LLC 288 w 1S AID 10 09 341 I'MTH SCRiNCS PARK RD STATE MULE, PA law PH if/ 2&1903 FAX: 9144n. 14N G4i- ,.?.....tarr AY LW Par Yterly O.ty MORTGAGE AM:1007N010001eom? DEFA4n7aN8 Warts mot rn o"pk strion of 06 Mc w m cc dcaW bdtw and OW wtadt w doGeod la Srcdens 7.11.13, 1t. 70 ed 11. amitt ells wpd;at 1Me spate of wade amd is ddt dwmmon em also pwibd in Stcd= 166 W *Kv*Y &Ammtld" maw dib dm,a wo wldeb It dead Worch 08, 7006 rgacdor vldl A W-bn to dlb doolomeL (ri) '3e ~' b 7CO3T A WAK oW JUDY F MACAK HUSBAND AND W1Fs- Hovommudtealagt6orandrrddsSceariry Bstnlmldf. (C) ' ' it "W rC slemote lgis y $ya m. in. ME" Is a uptum aetyomdw thet It Leidy m a sooince Ott Larder tud Lutdw':1R(OCp101s wd as4Dq MBRS • M1e ral7taserwda Adin W$ Seeadp rwtlr-nd. 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My PINIMM til arralwlrt#r Mldwdty. er spy pitpw p q. daa mar !awe' a u*w omgeeEa 7 . Rwtlmw Su wwor dFwdiq deb Papra(y Is pece"ay. Demmer that ptampdy rate al noway nwalal. amlewa k ae OWM whh FAViMV sal 1#w, wAkte kmda ahdl erare Inv Iledei M an Lewder W to FJrimw WA Cic". PV :nvwu-aayer+aro-r..k- h m x..ritnpobaawnuwwff rwwasttar sae gra.aaPa•w-awr ?•a /1 Vral7A hWnk FNNA?Iwap.w'f?al -uik 04z P(O 31579 (0 ? I yy34G2596 Oct-09-2006 02:40pa From- NONATIM ltMGVYINANIS.somvQaaotuwwfullertorasaandemeew6ltowr A htatkn6w,l"wIla,ImlerlhaNDiwMANlmjwv;w*wIdwaltnt"MA :wt low"wer`s bnmd or *a" alSatal x woommt k " ba=gels idnrewt Ord. not pd w is swelwedfia aadx kt,nhs 13 OdO Appl?Ia caw protides daaewhai, f.fiedsr akall'mAb Darr,aw K Ulm edw Maps N IM its: ve um udu esq*w 1e om ON dehdlt it) T*m tM drtkak No W =#m4 MM ON UM &AM b an Oe d~ a VtdMd l=ay rava IN ewdera fa or oa mm in" h7 thie mamirgy 3W mmk wake" by jtdldkiatllediam am uir of I ? > f NOW MM hathu khrx inlawlS A w 1Kdt e t . I ,J.t. {.....k..tlw? ea!lbs robeaNMIsOhehndfiwmprtwMla?ikSgeiCdti(Mad,de4akSrw4natktrdellaat ar immo f so dammrOn pad fef dwoo a. Ar lba ilmall 6 fief Arad u sp.elltad,;L«dtr at lec of" wq'rrlaim momaow p¦ "m le ha scam abler keaxtd by"Securkr Ar"emwitbout VNL%lr dSawad find my knclua bait it oaray moo oud by 1wim peaeriAW tr>7 be edkid V aaamab tapMrefi laeve¦d k pM Ri+m m¦e reaaola prodded m tW ia6tdfaW but owle lad 1%atWep'kes Madcoodtilks erl"m to dit coo pareatil by Aptdabit Liw. .03. ba wn. up" pgotemfirvb i m mum" byatm staarky lawtawb Ow *=Ed www at and do cats ow#qiW Adl aemleas mad became void. Ar cyAck -, - -+se Letrderakaa eta witty FYI aarttarta P4kmw doll ?y a IaaMdmlte verb, Lmhrmq btmp Daw+Y. A L. fsldesilq?dlit knkwlracbtas,lr itNc(kcirpatdmetfadpagrx+ywktaRner+adetalka tilerpaaof dta 6ea oamdtm alaf Appmt>Ibh 6; a . Fehk Law wafaee ofd rtlama+nY attar x ]d. Wa1Smt.7ota,tr. mule etratymakletl lit Alapl dtdsm In paacsdi w m eaRam dii Smuft JNMgaex mad kmby walref dw ba0nik orioY Aeta+l ar !.!J 4 ., a-• 3?•a G. ¦»r .d¦ ti aw.¦dw uPrft.c aampdea mug awoerac 7a.y ¦at site. ¦nd bettarsJ me ttpt:.... !s. itel.etlfilw¦..t raihal. monawa't dots 4 rdavaa pmriem iS yeea0p tt IMop,wetd m eaa hew pdar to the aemmawroam or Wddaem si I Aumr Ora ffia or akm A& pw m to thin IPMAW Imtttetelat ?X ioarviala aartaq MOA@pa If Say of *0 0161 pwmJ ky akia muwrq L.a...j....::. ?.1 ¦,. satran¦erm ecgtaba dtk m ita hapsrry, tka gcmft kttarwrat¦hem be apatda¦r Iowa" 27. "atxul paw Arm JadrabL ltatmwar elm" shat tha imm km ps"abk llk=p c u is tntaad a dte Noma m fie eoaba of sllalpp: fareslpmaaahell be aka ate p?abk kana wru m tiAte wdar the 141000. T-561 . P.a23/0zp. r-latl lOR6riYAM1A..31¦/fir¦rlh?tLe¦IeMeeeMMY1lN¦¦Q10RDAM 1KrelAIBCY INaya?7ywLft . amdpttlnw.la-edr a??•??llt+w tvwrwas+ahw¦na? 3kt jgq-3 el1943FG2597 OcH9-2006 02:40pe Fror T-561 P 024/029 F-149 YY tai M BEWW. 8arw.cr waip a ud .moo o the weer "A comet q amahod:ta wgW 1 Qiwdl K of tlde teepilq? lamemeluiald in ?f' p3dercweorbA ? aamrerrlA Rso?l +psh k SCOTT&MACAK JMno.4 JUDY F ' OACWC o X41 '(SOLD . (Scx)) .a MO Wi01KC ? 1'0rIK1M1.YA111<<Yty? i?AleYlarbMK IMMDW IMYKUAMT ii?7W tqi inKwsulw?-iwi VvrrsyNrgrA aorerNSUEduAUeiu`i i 'i-K 193 SKI 943PG2598 Oct-00-2006 M40pm Frw 9m Qr PeamrAw la Couty of CUMBERLOO T-551 P.ULhIM: f'147 Det?vft 39 kyg Rot;62006 bdlratoa, dw uwkM ;ow aV=L pWwdy sppeend 9CC 7 A gACW JUDY F ItACAK klm to me (w=Maeriy proved) ro be the pettpnld whose mme(JI) jmknihed w do wilds km o aee ad whawkdpd qta executed ihewlme kr be pwrpoks Owd" Woodfied- ui Y nww wumtEOF, t beraoro set my land and of aW xrL v { al?re'<1p.CrWr.e ? ? 4 ?a b?G rxr.rorA+r . Uy-wnAdkR-pw& Alb: Aeamdieg Room Ta FIRST PLC R9AN CUU-SEFMCES, LLC 799%% LLIBOR4BLVD.BdSM FCWCW 5&4L FLORIOA -WAI CART =- AIEoflt?' MERM C eeauTayter de booby rerdf7 Oei the sensor rddtcse Of tlm wlddn Armed imtdtt b 700 W. M<t1MM BLVD, 54 *Pk Cf=OW ELU BFACM, FLORIDA 3WI wtonuoVhanddiu 3rd doyet Numb 2M _ Aeni.r%.Ww. 7fltlr6YLYAMA.+ggk MttO`-r..etrMnllMMSe MeeMMMOM IftCiAtMtbr7 ; P"3910 LOx mtrssasepn>Httu+ rr s. fie/Xi iaJ naw9d Wia j.0 `r6r9 Hw UC 1l3 P6 ?J BK { 943PG2599 Ott-09-2006 d2:41aR Fran roai r.ucoc?ss r-a ADJUSTABLE RATE RIDER arnax sbhNarr taws W ru>,nroe b rrR eYaYS).ea ar?,.n-+t+ie oe,?t TM ADnWrANA RATS AMBRii aids dds 71d dg of lW ill xvx kd b iaorywaW Into atq M k tkeawd m =&A Wd wtpFitmctte %k kw Wm Daed or Tast, or SeWrl Oead Idw'Reewlq hsaewean of the sane do FRdt by the mdmWxi I'Dwrsren to rdaa7 6aaew o Adjwrhlc Rue flan DbeaNew'7 m F1RWiY Nq.C f:IM11fICiAL 7FRYICEs, GLC rCeadw7 a dts aae dau• and no clieI the pwav 6 Wnw Its Ac Smw* hgRrataa and I"Wd AV Ina BRWFCN GREET SHIPPFh I'MiRr, PA 17787 IriewrAORw] M NMI CONTAM FROVEMNS A4WWlNO FOR CHANCES 7N ;THB 1SVtB1IR57; RATE AND I= UMMY TAYf41GN - M IQM LUM'TOM AMOD['1r 10WWboWUIS RWYCRRRrXAI* SAN MMOY A'P ANY OtN$ IWA Arm TeaptAl<maDME,?r:DORRO)+P81e eatlsYrAY. ; AODMOKAi. COVWV MrS. In sdd'dioa in du ema au sae Wwmaw mm& to %k S=riy )asuw.t ImT ww and L*Ww dudlrr nomasat and Wa u Maws A JNTBRp KAnANDM MIHLYPAY14MTCUANGBS 2bo Note pwieca Funs iwdM Inteaaae of &yyFOF. The Noec Trod krehenjee is the - iasar rare andRre seoedly pgawtr, a Edlaarc , d. ' AM MID MO MILY EAYUMT CHANGES - (A) esaeReDrtes TLi.aruw.u Z -J[ r.? nw .h+?ye w ur Itti aly er MprA %Wa 7114 oR llat day mwy J/ldl wArA dwa ar. End dow on which my lummi rate e7ek chmF Je cuw R . ?unye De1G" Dta rhetada 8F rr'A do W f liW rmr, qp Stmnw join will be baud da.u L¦6v.11a' boa" is me arrays of k wwb7ab aGrad ruse ter dR apnih V.S. dolv4smatiavsd is in rlw Leadan mul4 (-LMO0.-1 no p Wdsd 4t Ara )rail stns JawvwL IU mast farm hdcx Bpm RwWkbk r of dim rm badape dry eF dte mash hamedieudy )7etedinj Fte moadi is which the Cim1Ft Dme eam Wnlied dw 'ttrratttndo," M.A yAYEtmt3s+Ne0a 7mRtottnl WAIY lAS RdRI.IiNW a lRr aw/iilyR7 Owen f el elV?'d > RacP-m mi Iowa lfryReelee1s70M10 I K NO PG aroc? UK1943PS2600 Oct-09-2006 02:41pm Pram- T-561 ,P.027/02$ P-149 If " W a b art h9we Aadahrr, do Near il*w wig Show a raw :r.. a.., a 6-4 w - t:oopsablc lalbr a don.71M Note Naldar wit alvamertoda of alts Melee. (q QAMletlea er Ota.wa . Scome tb E MRPDIW. dft Naa Hdit trim alCadAta aq tmw rlaasaL tart by amps ' Sayan no Chm No p-Mppeda 1 MOPS) rs the Ommt Index. 9alyeat to the lWk aktrf in SMSM 4(D) 0e7ottr, t6ls aetoant V40 In Vy esor IOMWmle Vog a ram Chmp Mm 7iM Ma: Udder vnU tree daatmlu the m oW of dM mooddy palamu tAat weld bi saQirient m Mtwy ehr unpnM lriarlpd dart I so at"mf p a" w it. Como- 0uc l: W1.n Ana NawAq ISOte it eW am harm[ sate b ntbMWAAy equst paymm" 7baAaWL or Ihtt edrrlxien wiA ba the new unarm. of my mamddy fDl 11ar"b m 3daes[ kdae pMnp , The iAara[ raft I am mgtmod b pay et the firar•Qoelw Date will rat bepaaordtan Izal0olb orkaOm OAugmTbamfinch[9W=orw0lgrwrtrtnrarmoardmawdintwya60 Chmaowhomby mmomomandortaf1@ pathm i 1.500041 from der mm of irfcrm I lave loan "Yin der dw planting Air mmdw. Illy lme=rm W Al Mwarbe penta00 10.190% or ktt dan l0"m fa) Alfamive Are m C'AAaNt rly new )aaMt toe VM ttrxarae ?k?..CYdLv'e q each C1Map Data, l w01 pay areaatweicaf Aq Saw mx*N_ pwm'rtt lwpehlltA a Ow rmr, AW* Payimtdtk alter dm Chomp 0m" U dtaeene *(my vu ^K,1T PO-4 dWAea apin. R7 llolltxKChanOta '? Maly Ha104r 41? doOYSrar maA to mn a ttiWWrr• Meta rhtragae is any iwteMR tors nail tro Smarm of cry awmlo- ryzpaa befaae u.+?oedYa dale d y?YAlwtp.'ilr tww wlll inrrw+o inlatMlPoa regrind by law to be alum me m tad eft the dda uW m$W mR amaber o f 0 pqM Op yM =war IM m rajnR I may aAVetspasr0 fte ttaaee. & TxAKSFt+AOe1YlaPROPFi7Y01(AIiETfElICNLirrl'BARS7'MllgftROWt? Vao m Cavonaat Ia of dM Scatty I ammom I mrnrod p and a New:: 'iY m*w or rho Pnt2rtTy aria Somflaftl tnlentt [q PoNm . Aa wall IA Cl Wiw to "fmmnam in *a PrapW Amos coy ko or knefidal smar.t -toA the Propaaty iptkAWC sac ao[ Amimd M char beeareiol hastam rtwwldtet to a had We du A Gtr tread iemaAsaa sales eamut or aemw apemen[. [ha JAML or whiob is Oa nmfa of Me by Borrow x a fah" die a a pumhum Tf an nr way parr nr the Propwty or my Inwvt hr ma f sq,gy ;, ,uN v, .wbl6,d Nr V Borrower b am a smtd pmoa wad a besclidll Mutest in Damwer to saM 'm aadiferpadl yidomicw 'i F* W twir" mww. Landrlwr tMOKOlawadiaw PaYASeat:.f A. Je?1 an? mmsed by 06 SfY ky tommmm However, this option salt ors he umcbed by LmdrrjXa xjt rxadx is p vOlmd by Apolcabk Low, Under am shall hoc herniae this op6m M rresr:ysayeti 100 t6aemgi644002 mcl w a-sum "R k ar,D1 px 1 gy3pczfio Ott-09-2006 02:41pi Frarw T-561 F OZ9./029 F 14p W 8mewar COO m In eabpdaed IS, Lwrdw kdmmedaa MWied ky Lender m w4wa: dw, iWWOd nsnrl'Neaws if R MW boot want irirrp meek w An awhRwkq weld Gd fas kr auhiy de wkq 00 tender's aew9ry NO ant he t hpeliad by doe lad wo mpdr r mewl dot On role of . a beach atasy comoem orapaamewe in ddsSee07 baawam it eecrou6lk a Ladder: ' 7b doe cuss pamtaad by Applicubls..Lqw, ;Lander my tberBa a seamacbY See a ? an" lp kimWp rdtf w m ila bw Kmodpa Iaadcp 111 ..q .a perk dot as" m a virna sess pcan afaarr+rkdw Y aaspwbta W Ladit ad lhd K jpw er aau"w bee w MR pMmra and aptsaaups nude he On Nam and loth deCmtW b msewa. Bard w10 MUM w be ob6pead wider dx HM and V& Sa wft tll vpmX Oka Laadcr=kdcetkt Bwroaar k osiebry Y lsad4 aueia lbc apdm ea ngaire iwmedbte P•ynrwa In Nni La* *1 e'itar Deus-.. w A*ku uPww+fmdaw, i me wrim >hdll proolds o pesied of not ka dew 90 deya bom des dap die mete is 0h- In amnaee Wieh Sdaiw is wfdrln Mft %Mxw mast psi' a0 newt seemed by die bekadey IastnwtaL If Spooner tell. ¦ pay dleae akme Eder w ere e>drirwlaa or drtk period. Lawler w A7 iaYelw soy sea?sdfes pemiaed by this Smd&Y if em me wide a fvM.r ands ardeowml m Berrcwkr. BYRIGNIM BELOW. Boaoe2r "is and spew m iu toner and coven" ewawlaed in M. t dcedgh 3 of des Aginadda Rae Rider, (Seen Ono -inv) ,oeSanr?r gtiell f? .awarref .1a1Mir fhn 3gt1>t.wa1 tOStlaleadsleNaat iraC?.awt.T MOmr -iK IR41 PG ?60Z SKI 943PG2602 Oct-OA-2OD6 D2.110e Fru- T-561 P.D2!/OM F-141 2=X= "a" L2Cib DXOCRMICK 7at?. tbet aestaiu panoel Of land 4Md bWxavmmtr tbaseft al"te is tha 8ee090 of Shippaaabaa8r "tf of 0 -1 cl%W and Cb aamrealth of TsawT'-w-, -4 dralg"ted as Pena" No. 32-33-1871-022 and rwsr sesiy daoasibad in a Acrd &Mm.d Daearban 27, 2069 iad seaoscfed Ara.abrr 30, 2062 in Cmabazzlend,Cemtr is Used Rook valvoo 285 at " Page 761, Vq=sUtad and conve3rd *at* 8aot! A. *soak and ;h&tb r. xaoatc, hMvbard and rite. fit rccovdCd County PA kv: v. acr of Deeds OKI943PS2603 ADJUSTABLE RATE NOTE .r--L ¦-.r._ rA. Awhrldmd in The Wall beet journal)-Rsle Caps) THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES W MY INTERIM RATS A14V MY MONTHLY PAYMENT. THIS NOTE LWM THE AMOUNT MY INTEREST RATS CAN CHANGE AT ANY ONE THM>t AND THE MAXIMUM RATE I MUST PAY. March 4006 STATE COLLEGE Pennsylvania [set"] 707 BRENTON STREET SHIPPENSSURG, PA-17257 [may Addmeel 1. BORROWER'S PROMISE TO PAY In return for a loco that I have received. I promise to pay U.S. S 158,950.00 (this amount is called "principal"), plus intercoL to the arderof Leander. Lander is FIRST NLC FINANCIAL SERVICES, LLC I will make all payments under this Note in die firm of cash. chc& or money order. I understand that Lender may transfer ibis Notes Lends or anyone who takes this Now by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. P TERBST Intern will be charged on unpaid principal until the full amount of Principal has been paid. I will pity interest at u yearly rate of 9.8900%. The interest rate I will pay may change In accordance with Section 4 of this Ntm. The interest tat: required by this Section 2 and Section 4 of this Note is the rate I will pay both before and after any default described in Section 7(B) of this Nola. 3. PAYMENTS (A) TMu and Place oI Paymeo[s I will pay principal and Interest by melting a payment every monde. I will make my monthly payments On the first day of each maWt hcginaing on May 01, 2006 [ will make these payments every month until 1 have paid all of die principal and interest and any other chairs described below that I may owe under this Note. Fetch monthly paymcra will be applied as of its scheduled due date and will be applied to lowest befog PrincipaL It on April 01, 2036 1 Still owe amounts under this Note, I will pay those amounts in full on that dace, which is tailed the "Maturky Dave." I will melee my monthly payments at FIRST NLC FINANCIAL SERVICES, LLC 700 W. HILLSBORO BLVD. B-16204, DEERFIELD BEACH, FL 33 or at 44`mD place if required by the Now Helder. (B) Amount of My Inuld Monthly Payments Fad. of my initial monddy payments will be in the amount of U.S. S 1,382.00 This amount may chaor. (C) Monthly Payment Changes Changes in my monthly payment will reflect chairs in the tmpaid principal of my loan and in the interest rate that 1 must pay. The Nose Holder will determine my new interest rasa and the lunged amount of my monthly payment in sccotdmee with Section 4 of this Nose. MULTWFATL ADAWARL6 RAIL N018-1,111OR SIX-MONTH INDEX (AS PUK4611ED IN THE wAU MWXrIOURNAU- Siaata Faa41y ! (Past I gf4poses) FNW raw 730+1.+ 104102001 =8014115 100195o10001906002 4. IN'IERBST RATS AND MONTHLY PAYMENT CHANGES (A) Change Dales 2008 and on that day every The iatmw rate I will pay may change an the rust day of April sixth man& thereafter. Each date on which my interest saga could d-Sc is called a "Change Date." (B) The Indent Begirddng with the first Cheap Date. my Interest rate will be based on an htdes. The "Index" is the average of interbank offered rata fa six month US do8r-damminatd deposits in the London market ("LIBOR•'i, as published in nhe waft Street Joanna!. The most sarAC Index figure available as of the first business day of the month immediately preceding the month in which the Change Dee assure is called the'"Curant Index." If the Index is no longer available. de Note Holder will chow a new led= that is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Dee, die Note Holder will calculate my new interest rate by adding Seven and One Half percentage pomp[ ( 7100086) to the Current laden. Subject to the limits stated in Section 4(D) below, this amount will be my new interest rate until the next Change Dater. The Note Holder vrll then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that 1 am expected to owe at the Change Date in full on the Maturity Date at my new Interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes The interest rate I am required to pay at the feat Change Dale will ant be greater than 12.890096 or less than 9.890096. Thereafter, my interest tae will never be increased or decreased on any single Change Date by more than One and One Half percentage points ( 1.500096) fmm the rate of interest I have been paying for the preceding 6 months. My interest raft will never be greater than 18.890096 a ku than 9.8900%. (E) Effective Date of Granges My n:w interest rate will beconw cffecivc on each Change Dale. I will pay the amount of my new monthly payment beginning on the feu monthly payment date seder the Change Date until the amount of my monthly payment changes again. (F) -Iotke or Changes The Noe Holder will deliver or mail to me a notice of any changes in my interest rate and the amour[ of my monthly payment before the effective date of any change. The notice will bndude information requited by law to be given to me and also the title and telephone number of it person who will answer any question I may have regarding the notice. S. BORROWER'S RIGHT TO PREPAY THIS SECTION IS SUPERCEDED BY THE ATTACHED PREPAYMENT RIDE I have the right to make payments or Principal at any doe before they arc due. A payment of Principal only is known as a "Prepaymere When I main: a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have ant made all the monthly payments due under this Now I may make a fall Prepayment or partial Prepayments without paying any Prepayment charges The Note Holder will use my Prepayments to reduce the amount of Priocipal that 1 owe under this Now. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amowu before.applyleg my Prepayment to reduce the principal amount of this Now. If I make a partial Prepayment. there will be no changes In the due data of my monthly payments unless the Now Holder agrees in writing to those changes. My partial Prepayment may reduce the amount of my monthly payments after the first Change Date following my partial Prepayment. However, any reduction due to my partial Prepayment may be offset by an locum[ raw Increase. 6. LOAN CHARGES if a law, which applies to ads loan and which sous nvwnum ban charge is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this ban exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit: and (b) any sums already collected Ijttr? me that exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund - by mduciryg the Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as a partial Prepayaaru.. 10010aYteQ01606002 tPep2eg4poats) FN.ar0o77ana.2 ONIMost t 141) 02N 7. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charges for Overdue Payments It the Now Holder has not received the full amount of any monthly payment by the end of Ten calendar days after the date it Is due. I will pay it late cbwP to the Note Holder. The amount of the charge will be &000096 of my overdue payment of principal and Ins reaL I will pay this late charge ptumptly but only once on each late paymt oL (B) Ddbu t If 1 do not pay the fall amount of rach monthly payment no the date it is due. I will be is defaulL (C) Notice of Default If 1 am In defalt, the Note Holder may send no a written notice telling ate that if 1 do not pay the overdue amount by a cereals date, the Now Holder may require me to pay immediately the full amount of Principal that has not been paid and all the interest that I owe on that smouaL That data must be at lean 30 days after the date on which tee notice L mailed to me or delivered by Other means. (D) No Waiver By Note Holder Even if, at a dine what I am is default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder wig still have the right to do so if I am in default a slater time. (E) Payment of Note Holder's Cods and Expenses If the Now Holder has requited me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of Its cats and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include. for example, reasonable suorneys' fees. 8. GIVING OF NOTICES Unless applicable law requires a differznt method, any tads that must be given to me under this Nom will be given by delivering It at by mailing it by first class mail to me at due Property Address shove or at a different address if I give the Note Holder a nods of my different address. Unless the Note Holder requims a different method, any notice that must be given to the Nate Holder under this Note will be given by trailing it by fast class mail to the Note Holder at the address stated in Section 3(A) above or at a different oddness If I am given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs ibis Now, each person is My and personally obligated to keep all of the promises made in this Note, including the pmmise to pay due full aroma owed. Any person who is it guammor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligado s, including the obligations of a guarantor, surety or endorser of this Note, L also obligated to keep all of the promises made in this Note. The Now Holder may enforce its rights under this Note against each person individually or against all of ns together. This means that any one of us may be required to pay all of the amounts owed under this Nom 10. WAIVERS I and any other person who has obligations under this Now waive the rights of Presentment and Notice of Dishonor. "Presentnen?' means the right to require the Now Holder w demand payment of amounts dote. "Notice of Dishonor" means the right to require the Note Holder to give notice to other person that amounts due have not been paid. 1L UNIFORM SECURED NOTE This Norte Is a uniform instrument with limited variations in some jurisdictions. In addition to the prooectio s given to the Note Holder under this Note, a Mortgage. Deed of Trust. or Sorority Decd (the "Security Instrumem' ), dated the same data as this Nate, puoteca the Note Holder from possible losses that might result if I do not kap the promises that I make in this Nom That Security Instrument describes how and under what eoadittoos I may be required to make Immediste payment in fug of all amounts I owe under this Nom Some of those conditions teed ss follows. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal at beneficial interest is eta Property, induding, but not limited to, torso beneficial ifWasts tratufered in a bond for dad. cmuract for bleed, installment sales emnttact or cscmw agreemenu the Intent of waich is the transfer of title by Borrower at a Wine date to a purchaser. iooiestiA007smm ttbet9gf4pa9a) shs.ararmssams Pas"M A1 to) If all or any part of the Property or any Jammu in do property is sold or transfamd (or if Borrower is not a aswrd parson Snd a beneficial interest In Borrower is mid or transferred) without Leader's prior written coaseru, Lenccr may requite Immediase Ixyn" is full of all arms SCMUCd by this Security bu tttn?etrt. However, this option shall not be exercised by Tender if etch excidae b prohbited by Applicable Law. Leader also shall not exercise ibis optke it (a) Borrower ism to be submitted to Lender in(o nstkn required by Leader o evaluate due intended traasic ee as If a new loan were being made to the trausbtm: and (b) Lender runsoaabiy determines that Leeader's security will cot be impaired by die loan assumption mad that the risk of a breach of any covenant or agreement in ibis Security Instrument is aooeptabk to Lander. reasonable [err ns o condition to Letuda's To the atom permitted by Applicable Law. Leader mey charge a commit to due loan assumption. Leader elm may requite the troncferoe to sign an assumption agreement that is acceptable w Lender aid tint obligates the trauslerat to"all the promises sod agreements made in the Now mid .in this Security Instrumera. Borrower will comtinuta to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. If Leader exercises the option to require immediate payment in full. Lender shall give Borrower notice of acceleration. The notice sball provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower amt pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period. Leader may invoke any remedies permitted by this Security Instrument without huther notice or danced on Borrower. Borrower has executed and acknowledges teceipt of pages I through d of this Note. WITNESS THE HAND(S) AND SEA/L(S) OF THE UNDERSIGNED / / (Seal) . I (j AIL. SC-OTT A MACH JUDY F ACA[( 780Ab1N°r (Sew) (Seal) -Burrower '8011ow" (SCSI) - (Seal) . .Borrower TO V.010ERCU Original Only] MUNC IALIE0MANOR WHEt vacs P9 9 190795910091999002 (Pare d q(4 pger) Me Form 33012l4 tawasmst Date: 11) 112, Judy F. Macak 707 Brenton Street Shippensburg, PA 17257 7006 0810 0003 3582 5059 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help save your home. This notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseline Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housine Finance Agency toll free at 1-800-342-2397. (persons with impaired hearine can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. C440vrr HOMEOWNER'S NAME(S): Scott A. Macak and Judy F. Macak PROPERTY ADDRESS: 707 Brenton Street, Shippensburg, PA 17257 LOAN ACCT. NO.: 5455027 ORIGINAL LENDER: Mortgage Electronic Registration Systems, Inc. as nominee for First NLC Financial Services, LLC CURRENT LENDER/SERVICER: Ocwen Loan Servicing, LLC LAW FIRM FILE NO.: 06-27604 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOU DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) -DAYS.IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the countv in which the propertv is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications have for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. f you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance. HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT The MORTGAGE debt held by the above lender on your property located at: 707 Brenton Street, Shippensburg, PA 17257 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: July 1, 2006 to November 1, 2006 @ $1,382.00 = $6,910.00 Other charges (explain/itemize): Late Charges: July 11, 2006 to October 11, 2006 @ 69.10 = 276.40 Inspection Fees: _ $111.00 TOTAL AMOUNT PAST DUE: = $7,297.40 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not gpplicable): HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $7,297.40, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: Ocwen Loan Servicing, LLC Cashiering Department 12650 Ingenuity Drive Orlando, FL 32826 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable.) IF YOU DO NOT CURE THE DEFAULT- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property, IF THE MORTGAGE IS FORECLOSED UPON-The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the creditor begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to Pay attorney's fees. OTHER LENDER REMEDIES-The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE-If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by pa nng the total amount then past due plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing anv other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE-It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. If money is due, such payment must be in cash, cashier's check, certified check or money order made payable to the lender at the address set forth above. HOW TO CONTACT THE LENDER: Name of Lender: C/O The Law Firm of Shapiro and Kreisman Address: 3600 Horizon Drive, Suite 150, King of Prussia, PA 19406 Phone number: (610) 278-6800 Fax number: (610) 278-9980 Contact person: Ilana Zion, Esquire EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You X may or _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Acorn Housing 14 S. 13th Street Harrisburg, PA 17104 717.213.0150 Adams County Interfaith Housing Authority 40 E High Street Gettysburg, PA 17325 717.334.1518 CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 888.511.2227 Community Action Commission of Captial Region 1514 Derry Street Harrisburg, PA 17104 717.232.9757 Loveship, Inc. 2320 North 5th Street Harrisburg, PA 17110 717.232.2207 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 PHFA 211 North Front Street Harrisburg, PA 17110 717.780.3940 800.342.2397 Date:,, ? 2,C)Scott A. Macak 707 Brenton Street Shippensburg, PA 17257 7006 0810 0003 3582 5042 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help save your home. This notice explains how the program works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseline Agencies serving Your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance AeencY toll free at 1-800-342-2397. (persons with impaired hearine can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Scott A. Macak and Judy F. Macak PROPERTY ADDRESS: 707 Brenton Street, Shippensburg, PA 17257 LOAN ACCT. NO.: 5455027 ORIGINAL LENDER: Mortgage Electronic Registration Systems, Inc. as nominee for First NLC Financial Services, LLC CURRENT LENDER/SERVICER: Ocwen Loan Servicing, LLC LAW FIRM FILE NO.: 06-27604 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOU DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST. OCCUR WITHIN THE NEXT (30) DAYS.IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications have for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. f you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance. HOW TO CURE YOUR MORTGAGE DEFAULT Bring it up to date). NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender vn your property located at: 707 Brenton Street, Shippensburg, PA 17257 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: July 1, 2006 to November 1, 2006 @ $1,382.00 = $6,910.00 Other charges (explain/itemize): Late Charges: July 11, 2006 to October 11, 2006 @ 69.10 = 276.40 Inspection Fees: _ $111.00 TOTAL AMOUNT PAST DUE: = $7,297.40 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $7,297.40, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: Ocwen Loan Servicing, LLC Cashiering Department 12650 Ingenuity Drive Orlando, FL 32826 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable.) IF YOU DO NOT CURE THE DEFAULT- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON-The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the creditor begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to Pay attorney's fees. OTHER LENDER REMEDIES-The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE-If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by payingthe total amount then past due, plus any late or other charges then due reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE-It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. If money is due, such payment must be in cash, cashier's check, certified check or money order made payable to the lender at the address set forth above. HOW TO CONTACT THE LENDER: Name of Lender: C/O The Law Firm of Shapiro and Kreisman Address: 3600 Horizon Drive, Suite 150, Kine of Prussia, PA 19406 Phone number: (610) 278-6800 Fax number: (610) 278-9980 Contact person: Ilana Zion, Esquire EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE-You X may or _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. 0 TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Acorn Housing 14 S. 13th Street Harrisburg, PA 17104 717.213.0150 Adams County Interfaith Housing Authority 40 E High Street Gettysburg, PA 17325 717.334.1518 CCCS of Western PA 2000 Linglestown Road Harrisburg, PA 17102 888.511.2227 Community Action Commission of Captial Region 1514 Derry Street Harrisburg, PA 17104 717.232.9757 Loveship, Inc. 2320 North 5th Street Harrisburg, PA 17110 717.232.2207 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 717.762.3285 PH FA 211 North Front Street Harrisburg, PA 17110 717.780.3940 800.342.2397 VERIFICATION Ilana Zion, Esquire hereby states that she is the Attorney for the Plaintiff in this action, that she is authorized to make this Verification as the Plaintiff is outside the jurisdiction of the Court and Plaintiff's verification could not be obtained within the time necessary to file this pleading, and that the statements made in the foregoing Complaint in Mortgage Foreclosure are true and correct to the best of her knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Sec. 4904 relating to unsworn falsification to authorities. SHAPIRO & KREISMAN, LLC BV: Ilana i n, Esquire Attorne or Plaintiff Dated: t?ww vi V ? o 0 C C N2LL7 C CO CV) SHAPIRO & KREISMAN, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I. D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 Ocwen Federal Bank FSB, as Servicier for Deutsche Bank National Trust Company, as Trustee for the registered holders of the CDC Mortgage Capital Trust 2002-HE1, Mortgage Pass-Through Certificates, Series 2002-HE1 c/o Ocwen Federal Bank FSB 1675 Palm Beach Blvd. West Palm Beach, FL 33401 PLAINTIFF VS. Scott A. Macak and Judy F. Macak aka Judith F. Macak DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO:06-6978 CIVIL TERM PRAECIPE TO SUBSTITUTE VERIFICATION TO THE PROTHONOTARY: Kindly substitute the attached Verification to the Complaint in the above-captioned civil action. Respectfully Submitted, SHAPIRO & KREISMAN e BY: djma=::? Nkk? Ilana Zion, Esqui Attorneys for Plaintiff ?rvt U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 v. Scott A. Macak and Judy F. Macak aka Judith F. Macak VERIFICATION The undersigned is Foreclosure Facilitator of Ocwen Loan Servicing, LLC on behalf of U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 and as such is familiar with the records of said corporation, and being authorized to make this verification on behalf of Plaintiff an officer of the corporation and being authorized to make this verification on behalf of 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. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF PA.C.S. SECTION 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. Ocwen Loan Servicing, LLC, on behalf of U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 Date: December 5, 2006 _00. 1oAdAy a N e: Jessica Dybas Title: US Foreclosure Facilitator Company: U. S. Bank, N.A. Loan: 5455027 06-27604 '? rt? .-a S?` + j'?7 t?_ _ ,t i? ? )?? ??? ?~ . "'.... .. SHAPIRO & KREISMAN, LLC BY: LAt.'REN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 2-/8-6800 S & K FILE NO. 06-_;'.7604 t1. S. Bank N A a, ? Trustee for th e registered COURT OF COMMON PLEAS holders of Structured Asset Investment Loan CIVIL DIVISION Trust, Mortgage -asset Pass-Through CUMBERLAND COUNTY Certificates, Sf,:ies 2006-4 PLAFJ TIFF NO:06-6978 CIVIL TERM vs. Scott A. >`,!acak and .Iudy F Aacak aka Judith F. Macak DEFENDANT(S) PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES Enter Judgment IN REM in the amount of $182,116.99 in favor of the Plaintiff and against the defen&r?t(s), jointly and severally, for failure to file an answer to Plaintiffs Complaint in Mortgage Foreclosure within 20 days from service thereof and assess Plaintiffs damages as f,,ilows and calculated as stated in the Complaint: Principal c,, 'mortgage debt due and unpaid $158,805.43 Interest :t 9.89% from June 1, 2006 to January 9, 2007 (-23 days @ $43.03 per .,,iem) $9,595.69 L,atc charges (for certain inwiths prior to default and every mont;, after at a rate of $69.10 per month) $414.60 Prepayment Penalty $7,940.27 Appraisal $111.00 "l'itle Search Report ",ees $250.00 Attorneys Fees (A,, stated in Complaint) $5,000.00 TOTAL AMOUI,?T DUE 82,116.99 B I.- (Ji" Lauren R. Tabas, Esquire Attorney for Plaintiff AND NOW, judgment is entered in favor of the Plaintiff and against the Defendan and damages are assessed as above in the sum of $182,116.99. A / ---\ , 06-27604 '_?7 Pr 031'ry. SHAPIRO & KREISMAN, LLC BY: KEVIN DISKIN, ESQ., LAUREN R. TABAS, ESQ., AND ILANA ZION. ESQ. ATTORNEY I.D. NOS. 86727, 93337 & 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan COURT OF COMMON PLEAS CUMBERLAND COUNTY Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 C/o Ocwen Federal Bank FSB PLAINTIFF VS. Scott A. Macak Judy F. Macak aka Judith F. Macak DEFENDANT(S) STATE OF: Florida NO: COUNTY OF: Orange AFFIDAVIT OF NON-MILITARY SERVICE THE UNDERSIGNED being duly sworn, states that he/she is over the age of eighteen years and competent to make this affidavit and the following averments are based upon investigations made and records maintained either as Plaintiff or servicing agent of the Plaintiff and that the above-captioned Defendants' last known address is as set forth in the caption and they 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. Ocwen Loan Servicing, LLC on behalf of U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 By: ra, N *E: Jessica Dybas 10 TITLE: US Foreclosure Facilitator Sworn to and subscribed before me this 5th day of December 2006. Notary Public , x JaY 101-?, Heather A. Snider ?j ; My Commission DD229481 ,Yd-' Expires July 06, 2007 SHAPIRO & KREISMAN, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 06-6978 CIVIL TERM VS. Scott A. Macak and Judy F. Macak aka Judith F. Macak DEFENDANTS CERTIFICATION OF MAILING NOTICE UNDER RULE 237.1 The undersigned hereby certifies that a Written Notice of Intention to File a Praecipe for the Entry of Default Judgment was mailed to the defendant (s) and to his, her, their attorney of record, if any, after the default occurred and at least (10) days prior to the date of the filing of the Praecipe. Said Notice was sent on the date set forth in the copy of said Notice attached hereto, December 28, 2006 to the following Defendants: Scott A. Macak 707 Brenton Street Shippensburg, PA 17257 Judy F. Macak aka Judith F. Macak 707 Brenton Street Shippensburg, PA 17257 Angela D'Antonio, e al Assistant to Ilana Zion, Esquire for Shapiro & Kreisman, LLC SHAPIRO & KREISMAN, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE. (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 PLAINTIFF VS. Scott A. Macak and Judy F. Macak aka Judith F. Macak DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 06-6978 CIVIL TERM NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. 237.1 IMPORTANT NOTICE TO: Scott A. Macak DATE OF NOTICE: December 28, 2006 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTIFICACION IMPORTANTE Usted se encuentra en estado de rebeldia por no haber tornado la accion requirida de su parte en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dias de la fecha de esta notificacion, el tribuna podra, sin necesidad de compararecer usted in corte o 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 o si no tiene dinero suficiente para tal servicio, vaya en persona o flame por telefono a la oficina cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Scott A. Macak 707 Brenton Street Shippensburg, PA 17257 Judy F. Macak aka Judith F. Macak 707 Brenton Street Shippensburg, PA 17257 R V?- 0 ? on ?c Ilana Zion, Esquire Shapiro & Kreisman, LLC Attorney for Plaintiff SHAPIRO & KREISMAN, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I. D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 PLAINTIFF VS. Scott A. Macak and Judy F. Macak aka Judith F. Macak DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 06-6978 CIVIL TERM NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. 237.1 IMPORTANT NOTICE TO: Judy F. Macak aka Judith F. Macak DATE OF NOTICE: December 28, 2006 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 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 termino de diez (10) dias de la fecha de esta notificacion, el tribuna podra, sin necesidad de compararecer usted in corte o 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 o si no tiene dinero suficiente para tal servicio, vaya en persona o flame por telefono a la oficina cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Scott A. Macak 707 Brenton Street Shippensburg, PA 17257 Judy F. Macak aka Judith F. Macak 707 Brenton Street Shippensburg, PA 17257 Ilana Zion, Esquire Shapiro & Kreisman, LC Attorney for Plaintiff SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 11.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 PLAINTIFF Vs. Scott A. Macak and .lady F. Macak aka Judith F. Macak DEFENDANT(S) COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:06-6978 CIVIL TERM CERTIFICATE OF SERVICE I, Lauren R. Tabas, Esquire, Attorney for the Plaintiff, hereby certify that I have served by first class mail, postage prepaid, true and correct copies of the attached papers upon the lollowin- person(s) or their attorney of record: Scott A. Macak 707 Brenton Street Shippensburg, PA 17257 .lady F. Macak aka Judith F. Macak 707 Brenton Street Shippensburg, PA 17257 I)ate mailed: ' - , BY: SHA4IRO &/REISMAN, LLC Xuren R. Tabas, Esquire ttorney for Plaintiff 06-27604 SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered COURT OF COMMON PLEAS holders of Structured Asset Investment Loan CIVIL DIVISION Trust, Mortgage Asset Pass-Through CUMBERLAND COUNTY Certificates, Series 2006-4 PLAINTIFF NO:06-6978 CIVIL TERM vs. ; Scott A. Macak and Judy F. Macak aka Judith F. Macak DEFENDANT(S) CERTIFICATION OF ADDRESS I hereby certify that the correct address of the judgment creditor (Plaintiff) is: U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 1675 Palm Beach Blvd. West Palm Beach, FL 33401 and that the last known address(es) of the judgment debtor (Defendant(s)) is: Scott A. Macak 707 Brenton Street Shippensburg, PA 17257 Judy F. Macak aka Judith F. Macak 707 Brenton Street Shippensburg, PA 17257 SPAPIRO ?: KREISMAN, LLC Lau en R. Tabas, Esquire Attorney for Plaintiff 06-27604 Z ? "CZ J-Q. ? c T a ? 1, o OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Clerk Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 Curtis R. Long Prothonotary TO: Scott A. Macak 707 Brenton Street Shippensburg, PA 17257 U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan 'I rust, Mortgage Asset Pass-Through Certificates, Series 2_006-4 PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO:06-6978 CIVIL TERM Vs. Scott A. Macak and .I udv F. Macak aka Judith F. Macak DEFENDANT(S) NOTICE Purs;.lant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a I ment has been entered against you in the above proceeding as 4indic d below. Curtis R. Long Prothonotary ?xl [XX] Judgment by Default [ ] Judgment for Possession Judgment on Award of Arbitration [ ] Judgment on Verdict [ ] Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY LAUPEN R. TABAS, ESQUIRE AT (610) 278-6800. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION Caption: O Confessed Judgment O Other U.S. Bank, N.A., as Trustee for the registered File No. Q(, - L 9,77 holders of Structured Asset Investment Loan Amount Due $182,116.99 Trust. Mortgage Asset Pass-Through Interest January 10, 2007 to June 13, 2007 Certificates. Series 2006-4 is $7,649.25 PLAINTIFF Atty's Comm VS. Costs Scott A. Macak and ,ludv F. Macak aka Judith F. Macak DEFENDANT(S) TO THE PROTHONOTARY OF THE SAID COURT The undersigned hereby certifies that the below does not arise out of a retail installment safe, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon the following described property of the defendant(s) See attached Legal Description PRAECIPE FOR ATTACHEMENT EXECUTION Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) and all other property of the defe?idant(s) in the possession, custody or control of the said garnishee(s). (Indicate) Index triis writ against the garnishee(s) defendant(s) described in the attached exhibit. Date: Signatu Print Ne Address Attorney for: Plaintiff Supreme Court ID # PA Bar 4 93337 3600 Horizon Drive, Ste. 150 King of Prussia, PA 19406 V T u ?? oco?zG`Orp ?' ? cc cco '?• ? ? w 1 w ^ ^ T w w ti ? !!? 1 N WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 06-6978 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due U.S. BANK, N.A., AS TRUSTEE FOR THE REGISTERED HOLDERS OF STRUCTURED ASSET INVESTMENT LOAN TRUST, MORTGAGE ASSET PASS-THROUGH CERTIFICATES, SERIES 2006-4, Plaintiff (s) From SCOTT A. MACAK AND JUDY F. MACAK AKA JUDITH F. MACAK (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 $182,116.99 Interest FROM 1/10/07 TO 6/13/07 IS $7,649.25 Atty's Comm % Arty Paid $159.60 Plaintiff Paid Date: JANUARY 10, 2007 (Seal) REQUESTING PARTY: Name LAUREN R. TABAS, ESQUIRE Address: 3600 HORIZON DRIVE, STE. 150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 L.L. $.50 Due Prothy $1.00 Other Costs iJCPuty Supreme Court ID No. 93337 r SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 ')600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 11. S. Bank, N.A. as Trustee for the registered holder COURT OF COMMON PLEAS s of Str uctured _'Xsset Investment Loan Trust, Mortgage Asset Pass-Through CUMBERLAND COUNTY Certificates, Series 2006-4 NO: 06-6978 CIVIL TERM PLAINTIFF vs. Scott A. Macak and Judy F. Macak aka Judith F. Macak DEFENDANTS AFFIDAVIT PURSUANT TO RULE 3129.1 ij .S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan i"rust, Mortgage Asset Pass-Through Certificates, Series 2006-4, Plaintiff in the above act.on, sets forth, as of the date the praecipe for the writ of execution was filed, the following irnformation concerning the real property located at 707 Brenton Street, Shippensbur , PA 172 g 57. 1. Name and address of Owner(s) or Reputed Owner(s) Scott A. M-,cak 707 Bren,%,n Street Shippensburg, PA 17257 Judy F. Macak aka Judith F. Macak 70? Brenton Street `?nippensburg PA 17257 Name and address of Defendant(s) in the judgment: Scott A. Macak 707 Brenton 'street Shippensburg, PA 17257 .I udy F. M acak aka Judith F. Macak 707 Brenton Street Shipprarsburg, PA 17257 f 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 c/o Ocwen Federal Bank FSB 1675 Palm Beach Blvd. West Palm Beach, FL 33401 4. Name and address of the last recorded holder of every mortgage of record: U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4, Plaintiff c/o Ocwen Federal Bank FSB 1675 Palm Beach Blvd. West Palm Beach, FL 33401 Dwight L. Martin and Joanne S. Martin 18321 Dry Run Road West Spring Run, PA 17262 5. Name and address of every other person who has any record lien on the property: 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: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 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: TENANT OR OCCUPANT 707 Brenton Street Shippensburg, PA 17257 I verify that the statements made in this affidavit are true and correct to the best of m Personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 1S Pa. C.S. Section 4904 relating to unsworn falsification y authorities. to SHAYIRO 0 KREISMAN, LLC BY: Tabas, Esquire 06-27604 1r l s ` ?r DD SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 PLAINTIFF \'s. Scott A. Macak and Judv F. Macak aka Judith F. Macak DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 06-6978 CIVIL TERM NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Scott A. Macak 707 Brenton Street Shippensburg, PA 17257 Your house (real estate) at: 707 Brenton Street, Shippensburg, PA 17257 32-33-1891-012 IS scheduled to lie sold at Sheriffs Sale on June 13, 2007 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00 am, to enforce the court judgment of $182,116.99 obtained by U.S. Bank, N.A., as f rustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, `series 2006-4 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent th's Sheriffs Sale you must take immediate action: The sale wil: be cancelled if you pay back to U.S. Bank, N.A., as Trustee for the registered I j Aders of Structured Asset Investment Loan Trust, Mortgage Asset Pass- Through Certificates, Series 2006-4 the amount of the judgment plus costs or the back paymen.,s, late charges, costs, and reasonable attorneys fees due. To find out how much you m'_1st pay, you may call: (610) 278-6800. ?. Yot., may be able to stop the sale by filing a petition asking the Court to strike or open the <<dgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. You may be able i%, 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 of 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. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. ?. 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. 6. 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 717-240-6390. 7. 1 f 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. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. ?). You may be entitled to a share of the money, which was paid for your house. A schedule 0" Jistribution of the money bid for your house will be filed by the Sheriff no later than :flirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE Ok,FICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 06-27604 All that certain tract of land in the Borough of Shippensburg, Cumberland County, Pennsylvania, being Lot Nos. 22 and 23 of Block "I" of a plan of Hallwood Heights as recorded in the Office of the Recorder of Deeds in Plan Book No. 5. Being the sr.,ne premises Dwight L. Martin and Joanne S. Martin, husband and wife, granted and conveyed unto Scott A. Macak and Judith F. Macak, husband and wife, by deed dated December 27, 200'recorded in the Office of the Recorder of Deeds in and for Cumberland County on Dece+tlber 30, 2002 in Deed T-:ook 255 at page 761 as Instrument 4 2002-053796. C? ? c.:a ? t y c? a -r.e '1"f J ? ? 'T;` t;1 j_" ? i C_s _M1 ??'-. !? " ? n ' ?-?`. ?'ti '.'? SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mw gage Asset Pass-Through Certillc,a'es, Series 2006-4 PLAINTIFF V S. Scott A. Macak and .ludv F. Macak aka Judith F. Macak DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 06-6978 CIVIL TERM NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Judy F. Macak aka Judith F. Macak 707 Brenton Street Shippensburg, PA 17257 Your house (real estate) at: 707 Brenton Street, Shippensburg, PA 17257 32-33-1891-012 is scheduled to be sold at Sheriffs Sale on June 13, 2007 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00 am, to enforce the court judgment of $182,116.99 obtained by U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE Fo prevent this Sheriffs Sale you must take immediate action: The sale will be cancelled if you pay back to U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass- T'llrot tgh Certificates, Series 2006-4 the amount of the judgment plus costs or the back p<.; ments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 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 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 of 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. 4. 1 f 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 (610) 278-6800. ?. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compare:' to the value of your property. 6. 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 717-240-6390 . 7. 1 I '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. 8. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. A, that time, the buyer may bring legal proceedings to evict you. ?). You may be entitled Lo 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 no later than thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE I'HE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL I IELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 06-27604 Al l that certain tract of land in the Borough of Shippensburg, Cumberland County, Pennsylvania, being Lot Nos. 22 and 23 of Block "I" of a plan of Hallwood Heights as recorded in the Office of the Recorder of Deeds in Plan Book No. 5. Being the s,,,ne premises Dwight L. Martin and Joanne S. Martin, husband and wife, granted and conveyed unto Scott A. Macak and Judith F. Macak, husband and wife, by deed dated December 27, 2002 recorded in the Office of the Recorder of Deeds in and for Cumberland County on Deceitlber 30, 2002 in Deed rook 255 at page 761 as Instrument 9 2002-053796. t"a SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 PLAINTIFF VS. COURT OF COMMON P CUMBERLAND COUNT NO: 06-6978 CIVIL Scott A. Macak and Judy F. Macak aka Judith F. Macak DEFENDANT(S) CERTIFICATION OF NOTICE TO LIENHOLDERS PURSUANT TO PA R.C.P 3129.2 (C) (2) I, Heather Whitman, Legal Assistant for Shapiro & Kreisman, LLC, attorneys for the Plaintiff, U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4, hereby certify that Notice of Sale was served on all persons appearing on Exhibit "A" attached hereto, by United States mail, first class, postage prepaid, with Certificates of Mailing on February 16, 007, the originals of which are attached and that each of said persons appears on Plaintiffs Af davit pursuant to Pa. R.C.P. 3129.1. The undersigned understands that the statements herein are subjec to the penalties provided by 18 P.S. Section 4904. Respectfully submitted, SHAPIRO & KREISMAN? LLC i BY: Heather Whitman Legal Assistant 06-27604 ? U) r " OD cs o - _ A m I Q Z 3 4 V m° m ? N c I 2 N O N p O N m N n Z: vl, 9) e ?1I N V A f m x 0 m v d a n? F ----'--_ K -._ -.._ -._- - i 7 7 3 X y --- CD i W N '? V! ?Zi 7 CL ? ? O a N D ° m ' 3 I ? Z J CA P1 iIV I ?? t r n W ?a3 a 1 O. Zvi 9 °'? N CA 0 CD 3 o d. m CD U) L-- vn?? , L CD CD CD U) f ;U ;o m C N o G1 ^lj 1t ?Cc N c m ° 77 T. CD 30 a. ° _0 N m PI I'D ,D c, 3 0.0 a f° mod, N CD amt m C C J° al .'t . •. J --i. --- D o o UNI o CD v `" 9(x(1 °`° Co, c0 l N 8 o???1s =5 T ESA s "' Sj n m u, m 9 CD c) wm - -n cn fD N \?/ r1 0 n ?7 O O O N O 1 -- - -? dl -n X: o$g sag -ci J . ?. , cr, 72- m SHERIFF'S RETURN - REGULAR e s CASE NO: 2006-06978 P COMMONWEALTH OF PENNSYLVANIA: -- COUNTY OF CUMBERLAND U S BANK N A VS MACAK SCOTT A ET AL GERALD WORTHINGTON , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon MACAK SCOTT A the DEFENDANT at 1600:00 HOURS, on the 7th day of December-, 2006 at 707 BRENTON STREET SHIPPENSBURG, PA 17257 by handing to SCOTT MACAK a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 17.60 Affidavit .00 Surcharge 10.00 .00 4 5. 6 0 Sworn and Subscibed to before me this day of So Answers: R. Thomas Kline 12/12/2006 SHAPIRO & KREISMAN By: Deputy S iff A. D. SHERIFF'S RETURN - REGULAR CASE NO: 2006-06978 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND U S BANK N A VS MACAK SCOTT A ET AL GERALD WORTHINGTON , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon MACAK JUDY F AKA JUDITH F MACAK the DEFENDANT , at 1600:00 HOURS, on the 7th day of December-, 2006 at 707 BRENTON STREET SHIPPENSBURG, PA 17257 by handing to SCOTT MACAK, HUSBAND a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 6.00 Service .00 Affidavit .00 Surcharge 10.00 .00 ? 16.00 iJ1yra7 Sworn and Subscibed to before me this day of , So Answers: R. Thomas Kline 12/12/2006 SHAPIRO & KREISMAN By: Deputy S riff A. D. SHERIFF'S RETURN - REGULAR ? a,* CASE NO: 2006-06978 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND U S BANK N A VS MACAK SCOTT A ET AL GERALD WORTHINGTON , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon OCCUPANT the DEFENDANT at 1600:00 HOURS, on the 7th day of December-, 2006 at 707 BRENTON STREET SHIPPENSBURG, PA 17257 by handing to SCOTT MACAK, FATHER OF BRANDON MACAK (18) a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 6.00 Service .00 Affidavit .00 Surcharge 10.00 .00 16.00 Sworn and Subscibed to before me this day of , So Answers: R. Thomas Kline 12/12/2006 SHAPIRO & KREISMAN By Deputy S iff A. D. U.S. Bank, N.A., as Trustee for the Registered In The Court of Common Pleas of Holders of Structured Asset Investment Loan Cumberland County, Pennsylvania Trust, Mortgage Asset Pass-Through Certificates Writ No. 2006-6978 Civil Term Series 2006-4 VS Scott A. Macak and Judy F. Macak a/k/a Judith F. Macak William Cline, Deputy Sheriff, who being duly sworn according to law, states that on March 20, 2007 at 1841 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: Scott A. Macak and Judy F. Macak a/k/a Judith F. Macak, by making known unto Judy Macak, personally and wife of Scott A. Macak, at 707 Brenton Street, Shippensburg, Cumberland County, Pennsylvania its contents and at the same time handing to her personally the said true and correct copy of the same. Mark Conklin, Deputy Sheriff, who being duly sworn according to law, states that on April 17, 2007 at 1330 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 Scott A. Macak and Judy F. Macak a/k/a Judith F. Macak, at 707 Brenton Street, Shippensburg, 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: Scott A. Macak and Judy F. Macak a/k/a Judith F. Macak, by regular mail to their last known address of 707 Brenton Street, Shippensburg, PA 17257. These letters were mailed under the date of April 04, 2007 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 request from Attorney Lauren Tabas. Sheriff's Costs: Docketing $30.00 Poundage 16.24 Posting Handbills 15.00 Advertising 15.00 Law Library .50 Prothonotary 1.00 Mileage 38.40 Levy 15.00 Surcharge 30.00 Law Journal 355.00 Patriot News 255.86 Share of bills 16.17 Postpone Sale 40.00 $ 828.17 ? Seers: 0,00 R. Thomas Kline, Sheriff B ? Rea Estate ergeant C)t G0440 Igge 4Z SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 -1600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 PLAINTIFF vs. Scott A. Macak and Judy F. Macak aka Judith F. Macak DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 06-6978 CIVIL TERM AFFIDAVIT PURSUANT TO RULE 3129.1 U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 707 Brenton Street, Shippensburg, PA 17257. Name and address of Owner(s) or Reputed Owner(s) Scott A. Macak 707 Brenton Street Shippensburg, PA 17257 Judy F. Macak aka Judith F. Macak 707 Brenton Street Shippensburg, PA 17257 2. Name and address of Defendant(s) in the judgment: Scott A. Macak 707 Brenton Street Shippensburg, PA 17257 Judy F. Macak aka Judith F. Macak 707 Brenton Street Shippensburg, PA 17257 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 c/o Ocwen Federal Bank FSB 1675 Palm Beach Blvd. West Palm Beach, FL 33401 4. Name and address of the last recorded holder of every mortgage of record: U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4, Plaintiff c/o Ocwen Federal Bank FSB 1675 Palm Beach Blvd. West Palm Beach, FL 33401 Dwight L. Martin and Joanne S. Martin 18321 Dry Run Road West Spring Run, PA 17262 5. Name and address of every other person who has any record lien on the property: 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: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 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: TENANT OR OCCUPANT 707 Brenton Street Shippensburg, PA 17257 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworri falsification to authorities. BY: 06-27604 02/16/2007 01:03 FAX Z002/005 SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered COURT OF COMMON PLEAS holders of Structured Asset Investment Loan ; CUMBERLAND COUNTY Trust, Mortgage Asset Pass-Through ; Certificates, Series 2006-4 NO: 06-6978 CIVIL TERM PLAINTIFF ; vs. Scott A. Macak and Judy F. Macak aka Judith F. Macak DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Scott A. Macak 707 Brenton Street Shippensburg, PA 17257 Your house (real estate) at: 707 Brenton Street, Shippensburg, PA 17257 32-33-1871-012 is scheduled to be sold at Sheriffs Sale on June 13, 2007 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00 am, to enforce the court judgment of $182,116.99 obtained by U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan TMA, Mortgage Asset Pass-Through Certificates, Series 2006-4 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass- Through Certificates, Series 2006-4 the amount of the judgment plus; costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 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 a;k the Court to postpone the sale for good cause. 3. You may be able to stop the sale through.other legal proceedings. 02/1672007 01:03 FAX 7 2003/005 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 of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFFS SALE DOES TAKE PLACE. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 5. 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. 6. 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 717-240-6390. 7. 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. 8. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 9. 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 no later than thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless . exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 06-27604 All that certain tract of land in the Borough of Shippensburg, Cumberland County, Pennsylvania, being Lot Nos. 22 and 23 of Block "I" of a plan of Hallwood Heights as recorded in the Office of the Recorder of Deeds in Plan Book No. 5. Being the s&-me premises Dwight L. Martin and Joanne S. Martin, husband and wife, granted and conveyed unto Scott A. Macak and Judith F. Macak, husband and wife, by deed dated December 27, 20021 recorded in the Office of the Recorder of Deeds in and for Cumberland County on Dece,-nber 30, 2002 in Deed rook 255 at page 761 as Instrument # 2002-053796. 02/16/2007 01:03 FAX 0 11004/005 SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered COURT OF COMMON PLEAS holders of Structured Asset Investment Loan CUMBERLAND COUNTY Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 NO: 06-6978 CIVIL TERM PLAINTIFF vs. ; Scott A. Macak and Judy F. Macak aka Judith F. Macak DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Judy F. Macak aka Judith F. Macak 707 Brenton Street Shippensburg, PA 17257 Your house (real estate) at: 707 Brenton Street, Shippensburg, PA 17257 32-33-1871-012 is scheduled to be sold at Sheriffs Sale on June 13, 2007 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00 am, to enforce the court judgment of $182,116.99 obtained by U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass- Through Certificates, Series 2006-4 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 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 be able to stop the sale through other legal proceedings. 02/16/2007 01:03 FAX 9005/005 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 of 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. 4. If the Sheriffs Sale is not stopped, your property will be sold to the: highest bidder. You may find out the price bid by calling (610) 278-6800. You may be able to petition the Court to set aside the sale if the bic. price was grossly inadequate compared to the value of your property. 6. 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 717-240-6390, 7. 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. 8. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 9. You may be entitled to a share of the money, which was paid for ycur house. A schedule of distribution of the money bid for your house will be filed by the 35heriff no later than thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU C?iN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 06-27604 All that certain tract of land in the Borough of Shippensburg, Cumberland County, Pennsylvania, being Lot Nos. 22 and 23 of Block "I" of a plan of Hallwood Heights as recorded in the Office of the Recorder of Deeds in Plan Book No. 5. Being the sr,,ne premises Dwight L. Martin and Joanne S. Martin, husband and wife, granted and conveyed unto Scott A. Macak and Judith F. Macak, husband and wife, by deed dated December 27, 2002 recorded in the Office of the Recorder of Deeds in and for Cumberland County on Dece-,iber 30, 2002 in Deed rook 255 at page 761 as Instrument 4 2002-053796. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO 06-6978 Civil ' COUNTY OF CUMBERLAND) CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due U.S. BANK, N.A., AS TRUSTEE FOR THE REGISTERED HOLDERS OF STRUCTURED ASSET INVESTMENT LOAN TRUST, MORTGAGE ASSET PASS-THROUGH CERTIFICATES, SERIES 2006-4, Plaintiff (s) From SCOTT A. MACAK AND JUDY F. MACAK AKA JUDITH F. MACAK (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 $182,116.99 L.L. $.50 Interest FROM 1/10/07 TO 6/13/07 IS $7,649.25 Atty's Comm % Due Prothy $1.00 Atty Paid $159.60 Other Costs Plaintiff Paid Date: JANUARY 10, 2007 (Seal) REQUESTING PARTY: Name LAUREN R. TABAS, ESQUIRE Address: 3600 HORIZON DRIVE, STE. 150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Curtis R. Long, Prothonotary Deputy Telephone: 610-278-6800 Supreme Court ID No. 93337 Real Estate Sale # 58 On March 7, 2007 the Sheriff levied upon the defendant's interest in the real property situated in Shippensburg Borough, Cumberland County, PA Known and numbered as 707 Brenton Street, Shippensburg, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: March 7, 2007 By: Real Estate Sergeant ?' d Z E NVP Lool 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 April and the 2nd day(s) of May 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#58 Sworn to and subscribed before me this 18th day of May 2007 A.D. Notarial Seal Terry L. Russell, Notary Public CiW,Of Harrisburg, Dauphin County mg4ommissoqxOres June 6, 2010 Me r, Penn va a Association of Notaries NOT Y PUBLIC CUMBERLAND COUNTY SHERIFF'S OFFICE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA. 17013 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SS. Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: April 20, 27 & May 4, 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. ,,?i arie Co , Editor SWORN TO AND SUBSCRIBED before me this 4 day of May, 2007 L("? c ?: 1 Jn?., a h?;? MWIL, VWAWi *ALM NO. W Writ No. 2006-6978 Civil U.S. Bank, NA., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 VS. Scott A. Macak and Judy F. Macak a/k/a Judith F. Macak Atty.: Lauren Tabas All that certain tract of land in the Borough of Shippensburg, Cum- berland County, Pennsylvania. Be- ing Lot Nos. 22 and 23 of Block "I" of a plan of Hallwood Heights as recorded in the Office of the Re- corder or Deeds in Plan Book No. 5. Being the same premises Dwight L. Martin and Joanne S. Martin, husband and wife, granted and con- veyed unto Scott A. Macak and Judith F. Macak, husband and wife, by deed dated December 27, 2002 recorded in the Office of the Re- corder of Deeds in and for Cumber- land County on December 30, 2002 in Deed Book 255 at page 761 as Instrument # 2002-053796. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION Caption: () Confessed Judgment () Other U.S. Bank, N.A., as Trustee for the registered File No. 06-6978 Civil Term holders of Structured Asset Investment Loan Amount Due $182,116.99 Trust, Mortgage Asset Pass-Through Interest January 11, 2007 to March 5, 2008 Certificates, Series 2006-4 is $20,727.00 PLAINTIFF Atty's Comm Costs VS. Scott A. Macak and Judy F. Macak aka Judith F. DEFENDANT(S) TO THE PROTHONOTARY Macak OF THE SAID COURT: The undersigned hereby certifies that the below does not arise out of a retail installment safe, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon the following described property of the defendant(s) See attached Legal Description PRAECIPE FOR ATTACHEMENT EXECUTION Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s). (indicate) Index this writ against the garnishee(s) as lis en ens against real defendant(s) described in the attached exhibit. Date: 16 _6 & - D 7- 5ignat re: ?- Print Na e: Lauren R. Tabas, Esquire Address: 3600 Horizon Drive, Ste. 150 King of Prussia, PA 19406 Attorney for: Plaintiff Supreme Court ID 9 PA Bar 4 93337 r 0 ' s d eooa? ?? $ a `, c SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered COURT OF COMMON PLEAS holders of Structured Asset Investment Loan CUMBERLAND COUNTY Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 NO: 06-6978 CIVIL TERM PLAINTIFF vs. Scott A. Macak and ; Judy F. Macak aka Judith F. Macak DEFENDANTS AFFIDAVIT PURSUANT TO RULE 3129.1 U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 707 Brenton Street, Shippensburg, PA 17257. Name and address of Owner(s) or Reputed Owner(s) Scott A. Macak 707 Brenton Street Shippensburg, PA 17257 Judy F. Macak aka Judith F. Macak 707 Brenton Street Shippensburg, PA 17257 2. Name and address of Defendant(s) in the judgment: Scott A. Macak 707 Brenton Street Shippensburg, PA 17257 Judy F. Macak aka Judith F. Macak 707 Brenton Street Shippensburg, PA 17257 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 c/o Ocwen Federal Bank FSB 1675 Palm Beach Blvd. West Palm Beach, FL 33401 4. Name and address of the last recorded holder of every mortgage of record: U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4, Plaintiff c/o Ocwen Federal Bank FSB 1675 Palm Beach Blvd. West Palm Beach, FL 33401 Dwight L. Martin and Joanne S. Martin 18321 Dry Run Road West Spring Run, PA 17262 5. Name and address of every other person who has any record lien on the property: 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: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 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: TENANT OR OCCUPANT 707 Brenton Street Shippensburg, PA 17257 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. SHAJ"-IRp & KREISMAN, LLC BY: R. Tabas, Esquire 06-27604 y:w CD SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 PLAINTIFF VS. Scott A. Macak and Judy F. Macak aka Judith F. Macak TO: COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 06-6978 CIVIL TERM DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY Scott A. Macak 707 Brenton Street Shippensburg, PA 17257 Your house (real estate) at: 707 Brenton Street, Shippensburg, PA 17257 32-33-1871-012 is scheduled to be sold at Sheriffs Sale on March 5, 2008 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00 am, to enforce the court judgment of $182,116.99 obtained by U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass- Through Certificates, Series 2006-4 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 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 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 of 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. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 5. 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. 6. 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 717-240-6390. 7. 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. 8. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 9. 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 no later than thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 06-27604 All that certain tract of land in the Borough of Shippensburg, Cumberland County, Pennsylvania, being Lot Nos. 22 and 23 of Block "I" of a plan of Hallwood Heights as recorded in the Office of the Recorder of Deeds in Plan Book No. 5. Being the same premises Dwight L. Martin and Joanne S. Martin, husband and wife, granted and conveyed unto Scott A. Macak and Judith F. Macak, husband and wife, by deed dated December 27, 2002 recorded in the Office of the Recorder of Deeds in and for Cumberland County on December 30, 2002 in Deed Book 255 at page 761 as Instrument # 2002-053796. SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered COURT OF COMMON PLEAS holders of Structured Asset Investment Loan CUMBERLAND COUNTY Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 NO: 06-6978 CIVIL TERM PLAINTIFF ; vs. Scott A. Macak and Judy F. Macak aka Judith F. Macak DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Judy F. Macak aka Judith F. Macak 707 Brenton Street Shippensburg, PA 17257 Your house (real estate) at: 707 Brenton Street, Shippensburg, PA 17257 32-33-1871-012 is scheduled to be sold at Sheriffs Sale on March 5, 2008 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00 am, to enforce the court judgment of $182,116.99 obtained by U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass- Through Certificates, Series 2006-4 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 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 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 of 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. 4. 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 (610) 278-6800. 5. 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. 6. 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 717-240-6390. 7. 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. 8. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 9. 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 no later than thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 06-27604 A IV t All that certain tract of land in the Borough of Shippensburg, Cumberland County, Pennsylvania, being Lot Nos. 22 and 23 of Block "I" of a plan of Hallwood Heights as recorded in the Office of the Recorder of Deeds in Plan Book No. 5. Being the same premises Dwight L. Martin and Joanne S. Martin, husband and wife, granted and conveyed unto Scott A. Macak and Judith F. Macak, husband and wife, by deed dated December 27, 2002 recorded in the Office of the Recorder of Deeds in and for Cumberland County on December 30, 2002 in Deed Book 255 at page 761 as Instrument # 2002-053796. ? k SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered COURT OF COMMON PLEAS holders of Structured Asset Investment Loan ; CUMBERLAND COUNTY Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 NO: 06-6978 CIVIL TERM PLAINTIFF vs. Scott A. Macak and Judy F. Macak aka Judith F. Macak DEFENDANTS CERTIFICATION AS TO THE SALE OF REAL PROPERTY I hereby certify that I am the Attorney of record for the Plaintiff in this Action against Real Property and further certify this Property is: FHA - Tenant Occupied or Vacant Commercial As a result of a Complaint in Assumpsit That the Plaintiff has complied in all respects with Section 403 of the X Mortgage Assistance Act including but not limited to: (a) Service of notice on Defendant(s) (b) Expiration of 30 days since the service of notice (c) Defendant(s) failure to request or appear at meeting with Mortgagee or Consumer Credit Counseling Agency (d) Defendant(s) failure to file application with Homeowners Emergency Assistance Program. I further agree to indemnify and hold harmless the Sheriff of Cumberland County for any false statement given herein. & KREISMAN, BY: Lauren R. Tabas, Esquire PA Bar # 93337 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 06-6978 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due U.S. BANK, N.A., AS TRUSTEE FOR THE REGISTERED HOLDERS OF STRUCTURED ASSET INVESTMENT LOAN TRUST, MORTGAGE ASSET PASS-THROUGH CERTIFICATES, SERIES 2006-4, Plaintiff (s) From SCOTT A. MACAK AND JUDY F. MACAK AKA JUDITH F. MACAK, (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 $182,116.99 L.L. Interest 1/11/07 TO 3/5/08 IS $20,727.00 Atty's Comm % Due Prothy $2.00 Atty Paid $1,009.27 Other Costs Plaintiff Paid Date: OCTOBER 30, 2007 Aurt R. Long, Prothonotary (Seal) REQUESTING PARTY: Name LAUREN R. TABAS, ESQUIRE Address: 3600 HORIZON DRIVE, STE.150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 Deputy Supreme Court ID No. 93337 SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 PLAINTIFF VS. Scott A. Macak and Judy F. Macak aka Judith F. Macak DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 06-6978 CIVIL TERM CERTIFICATION OF NOTICE TO LIENHOLDERS PURSUANT TO PA R.C.P 3129.2 (C) (2) I, Heather Whitman, Legal Assistant for Shapiro & Kreisman, LLC, attorneys for the Plaintiff, U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4, hereby certify that Notice of Sale was served on all persons appearing on Exhibit "A" attached hereto, by United States mail, first class, postage prepaid, with Certificates of Mailing on December 4, 2007 and December 19, 2007, the originals of which are attached and that each of said persons appears on Plaintiffs Affidavit pursuant to Pa. R.C.P. 3129.1. The undersigned understands that the statements herein are subject to the penalties provided by 18 P.S. Section 4904. Respectfully submitted, SHAPIRO & KREISMAN, LLC BY: " tk Heather Whitman Legal Assistant 06-27604 w ? 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NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered COURT OF COMMON PLEAS holders of Structured Asset Investment Loan CUMBERLAND COUNTY Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 NO: 06-6978 CIVIL TERM PLAINTIFF ; VS. Scott A. Macak and Judy F. Macak aka Judith F. Macak DEFENDANTS AMENDED AFFIDAVIT PURSUANT TO RULE 3129.1 U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 707 Brenton Street, Shippensburg, PA 17257. 1. Name and address of Owner(s) or Reputed Owner(s) Scott A. Macak 707 Brenton Street Shippensburg, PA 17257 Judy F. Macak aka Judith F. Macak 707 Brenton Street Shippensburg, PA 17257 2. Name and address of Defendant(s) in the judgment: Scott A. Macak 707 Brenton Street Shippensburg, PA 17257 Judy F. Macak aka Judith F. Macak 707 Brenton Street Shippensburg, PA 17257 Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 c/o Ocwen Federal Bank FSB 1675 Palm Beach Blvd. West Palm Beach, FL 33401 4. Name and address of the last recorded holder of every mortgage of record: U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4, Plaintiff c/o Ocwen Federal Bank FSB 1675 Palm Beach Blvd. West Palm Beach, FL 33401 Dwight L. Martin and Joanne S. Martin 18321 Dry Run Road West Spring Run, PA 17262 5. Name and address of every other person who has any record lien on the property: United States of America Assistant U.S. Attorney General's Office 228 Walnut Street Federal Building P.O. Box 11754 Harrisburg, PA 17108 Internal Revenue Service 228 Walnut Street Harrisburg, PA 17108 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: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 i 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: TENANT OR OCCUPANT 707 Brenton Street Shippensburg, PA 17257 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unworn falsification to authorities. & KREISMAN, LLC BY: Lauren R. Tabas, Esquire 06-27604 U.S. Bank, N.A. as Trustee for the Registered In the Court of Common Pleas of Holders of Structured Asset Investment Loan Cumberland County, Pennsylvania Trust, Mortgage Asset Pass-Through Writ No. 2006-6978 Civil Term Certificates, Series 2006-4 VS Scott A. Macak and Judy F. Macak a/k/a Judith F. Macak Mark Conklin, Deputy Sheriff, who being duly sworn according to law, states that on December 05, 2007 at 2000 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: Scott A. Macak and Judy F. Macak a/k/a/ Judith Fl Macak, by making known unto Scott Macak, personally and adult in charge for Judy F. Macak a/k/a Judith F. Macak at 707 Brenton Street, Shippensburg, Cumberland County, Pennsylvania its contents and at the same time handing to him personally the said true and correct copies of the same. Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on January 10, 2008 at 1035 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 Scott A. Macak and Judy F. Macak a/k/a/ Judith F. Macak located at 707 Brenton Street, Shippensburg, 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: Scott A. Macak and Judy F. Macak a/k/a/ Judith F. Macak by regular mail to their last known address of 707 Brenton Street, Shippensburg, PA 17257. These letters were mailed under the date of January 8, 2008 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 request from Attorney Lauren Tabas. Sheriffs Costs: Docketing 30.00 Poundage 15.78 Posting Bills 15.00 Advertising 15.00 Prothonotary 2.00 Mileage 38.40 Levy 15.00 Surcharge 30.00 Postpone sale 20.00 Law Journal 355.00 Patriot News 252.41 Share of bills 16.17 $804.76 ? ?.?41 So Answe R. Thomas Kline, Sheriff BY v C c?,?S- Real Estate 'rgeant t 4 # SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered COURT OF COMMON PLEAS holders of Structured Asset Investment Loan CUMBERLAND COUNTY Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 NO: 06-6978 CIVIL TERM PLAINTIFF vs. Scott A. Macak and Judy F. Macak aka Judith F. Macak DEFENDANTS AFFIDAVIT PURSUANT TO RULE 3129.1 U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 707 Brenton Street, Shippensburg, PA 17257. Name and address of Owner(s) or Reputed Owner(s) Scott A. Macak 707 Brenton Street Shippensburg, PA 17257 Judy F. Macak aka Judith F. Macak 707 Brenton Street Shippensburg, PA 17257 2. Name and address of Defendant(s) in the judgment: Scott A. Macak 707 Brenton Street Shippensburg, PA 17257 Judy F. Macak aka Judith F. Macak 707 Brenton Street Shippensburg, PA 17257 r 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 c/o Ocwen Federal Bank FSB 1675 Palm Beach Blvd. West Palm Beach, FL 33401 4. Name and address of the last recorded holder of every mortgage of record: U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4, Plaintiff c/o Ocwen Federal Bank FSB 1675 Palm Beach Blvd. West Palm Beach, FL 33401 Dwight L. Martin and Joanne S. Martin 18321 Dry Run Road West Spring Run, PA 17262 5. Name and address of every other person who has any record lien on the property: 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: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 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: TENANT OR OCCUPANT 707 Brenton Street Shippensburg, PA 17257 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. BY: & KREISMAN, LLC R. Tabas, Esquire 06-27604 SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered COURT OF COMMON PLEAS holders of Structured Asset Investment Loan CUMBERLAND COUNTY Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 NO: 06-6978 CIVIL TERM PLAINTIFF ; vs. Scott A. Macak and Judy F. Macak aka Judith F. Macak DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Scott A. Macak 707 Brenton Street Shippensburg, PA 17257 Your house (real estate) at: 707 Brenton Street, Shippensburg, PA 17257 32-33-1871-012 is scheduled to be sold at Sheriffs Sale on March 5, 2008 at: Cumberland County Sheriff s Office 1 Courthouse Square Carlisle, PA 17013 at 10:00 am, to enforce the court judgment of $182,116.99 obtained by U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass- Through Certificates, Series 2006-4 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 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 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 of 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. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 5. 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. 6. 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 717-240-6390. 7. 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. 8. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 9. 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 no later than thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 06-27604 All that certain tract of land in the Borough of Shippensburg, Cumberland County, Pennsylvania, being Lot Nos. 22 and 23 of Block "I" of a plan of Hallwood Heights as recorded in the Office of the Recorder of Deeds in Plan Book No. 5. Being the same premises Dwight L. Martin and Joanne S. Martin, husband and wife, granted and conveyed unto Scott A. Macak and Judith F. Macak, husband and wife, by deed dated December 27, 2002 recorded in the Office of the Recorder of Deeds in and for Cumberland County on December 30, 2002 in Deed Book 255 at page 761 as Instrument # 2002-053796. SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered COURT OF COMMON PLEAS holders of Structured Asset Investment Loan CUMBERLAND COUNTY Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 NO: 06-6978 CIVIL TERM PLAINTIFF vs. Scott A. Macak and Judy F. Macak aka Judith F. Macak DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Judy F. Macak aka Judith F. Macak 707 Brenton Street Shippensburg, PA 17257 Your house (real estate) at: 707 Brenton Street, Shippensburg, PA 17257 32-33-1871-012 is scheduled to be sold at Sheriffs Sale on March 5, 2008 at: Cumberland County Sheriffs Office 1 Courthouse Square Carlisle, PA 17013 at 10:00 am, to enforce the court judgment of $182,116.99 obtained by U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass- Through Certificates, Series 2006-4 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 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 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 of 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. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 5. 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. 6. 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 717-240-6390. 7. 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. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 9. 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 no later than thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL, HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 06-27604 All that certain tract of land in the Borough of Shippensburg, Cumberland County, Pennsylvania, being Lot Nos. 22 and 23 of Block "I" of a plan of Hallwood Heights as recorded in the Office of the Recorder of Deeds in Plan Book No. 5. Being the same premises Dwight L. Martin and Joanne S. Martin, husband and wife, granted and conveyed unto Scott A. Macak and Judith F. Macak, husband and wife, by deed dated December 27, 2002 recorded in the Office of the Recorder of Deeds in and for Cumberland County on December 30, 2002 in Deed Book 255 at page 761 as Instrument # 2002-053796. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 06-6978 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due U.S. BANK, N.A., AS TRUSTEE FOR THE REGISTERED HOLDERS OF STRUCTURED ASSET INVESTMENT LOAN TRUST, MORTGAGE ASSET PASS-THROUGH CERTIFICATES, SERIES 2006-4, Plaintiff (s) From SCOTT A. MACAK AND JUDY F. MACAK AKA JUDITH F. MACAK, (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 $182,116.99 Interest 1/11/07 TO 3/5/08 IS $20,727.00 Atty's Comm % Atty Paid $1,009.27 Plaintiff Paid Date: OCTOBER 30, 2007 (Seal) REQUESTING PARTY: Name LAUREN R. TABAS, ESQUIRE Address: 3600 HORIZON DRIVE, STE. 150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF L.L. Due Prothy $2.00 Other Costs iiepury Telephone: 610-278-6800 Supreme Court ID No. 93337 - MI i? Real Estate Sale # 46 On November 8, 2007 the Sheriff levied upon the defendant's interest in the real property situated in Shippensburg Borough, Cumberland County, PA Known and numbered as 707 Brenton Street, Shippensburg, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: November 8, 2007 By: J6 C? J Real Esta Sergeant 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: January 25, February 1 and February 8, 2008 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, SVAR, YTO AND SUBSCRIBED before me this 8 day of February, 2008 Notary NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BORO, CUMBERLAND COUNTY My Commission Expires Apr 28, 2010 RK" IWATZ $AIX NO. 46 Writ No. 2006-6978 Civil U.S. Bank. N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates Series 2006-4 vs. Scott A. Macak and Judy F. Macak a/k/a Judith F. Macak Atty.: Lauren Tabas DESCRIPTION All that certain tract of land in the Borough of Shippensburg, Cumber- land County, Pennsylvania, being Lot Nos. 22 and 23 of Block "I" of a plan of Hallwood Heights as recorded in the Office of the Recorder of Deeds in Plan Book No. S. Being the same premises Dwight L. Martin and Joanne S. Martin, hus- band and wife, granted and conveyed unto Scott A. Macak and Judith F. Macak, husband and wife, by deed dated December 27, 2002 recorded in the Office of the Recorder of Deeds in and for Cumberland County on December 30, 2002 in Deed Book 255 at page 761 as Instrument # 2002-053796. The Patriot-News Co. ' *w ' 812 Market St. Harrisburg, PA 17101 Inquiries - 717-255-8292 CUMBERLAND COUNTY SHERIFFS OF CUMBERLAND COUNTY COURT HOUSE the Patriot News Now you know CARLISLE PA 17013 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 on the date(s) indicated below. 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 This ad ran on the date(s) shown below: 01/30/08 02/06/08 02/13/08 Ir +? S\ATT to and u r ed before me this 25 d 'i of ,F br ary, 2008 A. D. Notary Pu COMMONWEALTH OF PENNSYLVANIA Notariq? Sal Shortie L. Kis;wi;, Notary Public Member, Pennsylvania Association of REAL ESTATE SALE NO. 46 Writ No. 2006-6978 Civil Term U.S. Bank. N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates series 2006-4 VS Scott A. Macak and Judy F. Macak aWa Judith F. Macak Attorney Lauren Tabas DESCRIPTION All that certain tract of land in the Borough of Shippensburg, Cumberland County, Pennsylvania, being Lot Nos. 22 and 23 of Block -r of a plan of Hallwood Heights as recorded in the Office of the Recorder of Deeds in Plan Book No.S. Being the same premises Dwight L. Martin and Joanne S. Martin, husband and wife, granted and coi,eyed unto Scott A. Macak and Judith F. f+.acak, husband and wife, by deed dated December 27, 2002 recorded in the Office of the Rf corder of Deeds in and for Cumberland County on December 30,2002 in Deed Book 255 at page 76 1 as Instrument # 2002-053796. w SHAPIRO & DENARDO, LLC BY: MICHAEL CLARK, ESQUIRE ATTORNEY I. D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan ; Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 PLAINTIFF VS. Scott A. Macak and Judy F. Macak aka Judith F. Macak DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 06-6978 CIVIL TERM PRAECIPE TO VACATE JUDGMENT TO THE PROTHONOTARY: Kindly mark the Judgment entered on January 10, 2007 in the above entitled action vacated without prejudice to Plaintiff. SHAPIRO & DENARDO, LLC BY: k-1 J ulvk Michael Clark, Esquire .,/ CERTIFICATE OF SERVICE I, MICHAEL CLARK, ESQUIRE, hereby certify that on q, ? 1:? I served a true and correct copy of the within Praecipe to Vacate Mortgage Foreclosure Judgment upon the following parties via first class mail, postage prepaid: Scott A. Macak 707 Brenton Street Shippensburg, PA 17257 Judy F. Macak aka Judith F. Macak 707 Brenton Street Shippensburg, PA 17257 SHAPIRO & DENARDO, LLC I r 0 BY: NLJ ? AV MICHAEL CLARK, ESQURZE Attorney for the Plaintiff 8 C. ° SV T3 ,' 24 C 1... ? .} r -. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 06-6978 CIVIL TERM SHAPIRO & DENARDO, LLC BY: MICHAEL CLARK, ESQUIRE ATTORNEY I. D. NO: PA Bar # 202929 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-27604 U.S. Bank, N.A., as Trustee for the registered holders of Structured Asset Investment Loan Trust, Mortgage Asset Pass-Through Certificates, Series 2006-4 PLAINTIFF VS. Scott A. Macak and Judy F. Macak aka Judith F. Macak DEFENDANT(S) PRAECIPE TO SETTLE, DISCONTINUE AND END TO THE PROTHONOTARY: ar. r' rT1 J _jt c_ - Ern cr; Kindly mark the above-captioned matter SETTLED, DISCONTINUED AND ENDED, without prejudice. SHAPIRO & DENARDO, LLC BY: y "Vii CP1 k Michael Clark, Esquire Attorney for Plaintiff DATED: f U CERTIFICATE OF SERVICE I, Michael Clark, Esquire, hereby certify that on CAC?C I served a true and correct copy of the within Praecipe to Settle, Discontinue and End upon the following parties via first class mail, postage prepaid: Scott A. Macak, 707 Brenton Street, Shippensburg, PA 17257 and Judy F. Macak aka Judith F. Macak, 707 Brenton Street, Shippensburg, PA 17257 SHAPIRO & DENARDO, LLC BY: UZWL Michael Clark, Esquire Attorney for Plaintiff