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Home My WebLink About07-0179 . .. . 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 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, P A 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-28614 Washington Mutual Bank f/k/a Washington Mutual Bank, FA successor in interest to HomeSide Lending, Inc. PLAINTIFF VS. Kimberly L. Lenker 595 Geneva Drive Apt 14 Mechanicsburg, P A 17055 DEFENDANT COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: O~ - /1r (!;u~l L-~ 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 WITIDN 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 MAYBE 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 LA WYER 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 J 'I . ~ .. PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LA W FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. .. NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUlERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFlCACION. USTED DEBE PRESENTAR UNA APARIENCIA ESCRIT A 0 EN PERSONA 0 POR ABOGADO Y ARCHlY AR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS 0 SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA A VISADO QUE SI USTED NO SE DEFlENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO A VISO 0 NOTIFlCACION Y POR CUALQUIER QUEJA 0 ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDERDINERO 0 SUS PROPIEDADES 0 OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTADEMANDAA UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFlCIENTE DE PAGAR TAL SERVICIO, V AY A EN PERSONA 0 LLAME POR TELEFONO A LA OFlCINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR DONnE SE PUEDE CONSEGUIRASISTENCIA 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 J.D. NO. 86727 LAUREN R. TABAS, ESQ., ATTORNEY J.D. NO. 93337 ILANA ZION, ESQ., ATTORNEY J.D. NO. 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, P A 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-28614 Washington Mutual Bank f/kJa Washington Mutual Bank, FA successor in interest to HomeSide Lending, Inc. PLAINTIFF VS. Kimberly L. Lenker 595 Geneva Drive Apt 14 Mechanicsburg, P A 17055 DEFENDANT COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 6'7-/7'1 Cu~~L L-fA-'"'1 COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, Washington Mutual Bank f/kJa Washington Mutual Bank, FA successor in interest to HomeSide Lending, Inc., the address of which is, 11200 W. Parkland Avenue, Milwaukee, Wisconsin 53224, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortgage: Mortgagee: Howard Hanna Financial Services, Inc. Mortgagor(s): Kimberly L. Lenker (b) Date of Mortgage: June 12,2000 (c) Place and Date of Record of Mortgage: Recorder of Deeds Cumberland County Mortgage Book 1618 Page 874 Date: June 15,2000 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: Howard Hanna Financial Services, Inc. Assignee: HomeSide Lending, Inc. Date of Assignment: June 12,2000 Recording Date: November 27, 2000 Book: 661 Page: 170 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 595-14 Geneva Drive, Mechanicsburg, Pa 17055 and is more specifically described as attached as part of Exhibit "A." 4. The name and mailing address of each Defendant is: Kimberly L. Lenker, 595 Geneva Drive Apt 14, Mechanicsburg, PA 17055. 5. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 6. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of 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. 7. The following amounts are due as of December 31,2006: Principal of Mortgage debt due and unpaid Interest currently due and owing at 7.5% per annum calculated from June 1,2006 at $10.22 each day Late Charge of$18.62 per month assessed on the 16th of each month from July 16, 2006 to December 16, 2006, (6 Months) Escrow Balance (Credit to Defendant) Suspense/Unapplied Balance Property Inspection Title Search/Report Fees Attorneys' Fees and Costs $49,741.03 $2,187.08 $111.72 ($9.19) ($379.64) $17.80 $250.00 $2,487.05 TOTAL $54,405.85 8. Interest accrues at a per diem rate of 10.22 each day after December 31,2006, that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Mortgage. 9. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be charged based on work actually performed. 10. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983,35 P.S. ~ 1680.402c, et seq., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Pursuant to the act of December 21, 1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information required by the act of March 14, 1978 (p.L. 11, No.6), 41 P.S. Section 403 et seq., and separate Notice of Intention to Foreclose is not required. Copies ofthe Notice are attached hereto as Exhibit "B." WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against the Defendant, in the amount set forth in paragraphs 7 and 8, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Mortgage and for the foreclosure and sale of the mortgaged premises. SHAPIRO & KREISMAN, LLC Date:~ BY: S & K File No. 06-28614 :J 7. .$tl -- JS'412, '-'c. P!::i.,;;' .. :::-:ltR n::COi.;::, ;;1,;;:1:39 1,.ll;::'Ci;:':.l;i. QlIU/lTY _ P,\ WRIH IUICOIll:lBD M~ TOI JlClIlPD .... ~ ad9ZQKIS, %III!. 13.1 QUIIa Darn ~mt(W, PIltRlfn.VDV. 15.131 ~. PA-18-1'B31 .\~~;~~ ~~~il.rIOU,..L"1-.. ) MORTGAGE '00 JUN I S PI'I~ I ;J/ 'l'HlS "'ClItTGAO~ tul_"J I'JI- DII K1XBBR.LY :.. .nmm 12, :ZOOO . 't1lc IlilllIp;Ot II ('Sonowet'). '1111' Sa:un"lt ~ Is P'1l1 ,. 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It IllIIIIIaIIoIIY cqlII........... ........ rMIlIf' II _anIIllIOIC. ......11I.., ID L...w _ ..... . -.. 16 -'*"lIllllfdll,..,..... __..... w-e"" br lIanIRIW wl.&a ..111.--..11rp1a1 11'-.110 1IIIaclf_l.I:RIIIlfw\ll~I,_ladnllllJ.-,..,...a llllll ~1lI11c11 at llIlIlIPID 1nR>raa=, tal RICI'Vt _'.1 --4...:IlIU tlllO ud618rKE 816 t, . --'~IIlI'Ai ......m ' ,.. \ '-.. -'(\ ~~.. . i I I T: ~ ~o. 'A-11-1783~ ,.,-1IlI)' lID ......lllIl"ldd. IS d1c0l'1IoaI ofl.adcr, It-..ae........-. (lIIlIle --.ud farlbo pttIod IllIl UllIlcr ~ JIllI'I"" \Jr..lN8nr...-- to)' LclIlIcr ...........1WIlIIIIlO -' It..... .nowr WII l'Iy tII....... nrjUbId IAIlllaallaJAllllpp ~ In'" or . p~ .....IIICM, lIllllI............ ......1IIIIll.-a' __...... --.-wlda.,........-- __1MllIWCr1lld La*rfllt IpJlIIabIc Ia1r, to ~ Laldcr 01' 110 .....,.....-..... __ JIIIIIIl ....lnIjIII:IlaaI.t... 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'" IIIII......,....IJIIIIII lIJlmIer II., _1lI....Offlanaw.1hIII lIllI aporuelll m- lMlIIbIIlW ofllllodsJad ~ ar~. _II ...... .....cr...u ani t....... la _ ~ qIIllI1.., _r '" 1..-. .. dllcm III_II"'" IN JIQllICIIl 0I'0lIIaWlI0 _~ -"",,,Ien or IIMI .... __ 1l,Il1lI Saari,)' __ 1!1 _ of IIIf1 ....... ... 111 ... ad'" ~ or IoInlWIr'I -.. III ...... ,.", I'aIlIcIIIlp II) Leader III MtlCIsIallw.t1 IIJ11l lit mIICIIJ IIIal1 '* .. .. ..... at ar pRllIIaIto IIIc mtelIc ot IIIJ 11_ Ill' 11II-'1. 'D. S- MId MllllllIIOUIdI J_ ...s ""'nl UlNIqI Co-IIF.... ne ~ IOnd ........ .r mla ScQIrtl11uln1a1rl1111udl1llllll ... loa1l11t 'IlIc __1Illll ....... or laIdOf -' ~. ~ III IhI ,~ or pII1I&IlIpk .7. Ilonvwcr'. _1IIIlIII1lIIII ........11III1.... 11I4 IIftl8I. AlJllIaI-.r" coo. Il1lIla>tlIlr ~ '*.. 110& -w 1/1II Jlelol (a) " CDIIt*a IWt IIcuIlIr ...... . III DIIpp, JllllIIIII -Kt dal 1lamJwcr'1__1II1l. 1llIPUl1..lIIo __ aflbll""" ~ (10) 11- JIIIIOlIIIIt obl,,- III ,a, 1M...... __ b111l111 sac:urlf, ImilI..-: nit!) .... dill Lalla' IIllI "'" .. ___..., .." RlIado IIIlIlIII).loIIar or Il1Ib 1ft)' _ I.......... II lMlInnI "..sa.tv ~ ar"'1IoIt wMIOl11I1ul \llltftIWot',__. p. IMa ChIp. IIlIII .... ...-s 111 dlfa IIcRriIJ laIlniaalll ... ID a \pt UrllldI... ...... !ala ....... .. dill _ IIlla111J..._ 1I1IlIl... ,-&.,.... cIwaa C1111_ ar III be ..... III QIIllII:IIlIII ....Ib IIIIl Iclaa __ ... pIftlIIItId I..... ~ fA) lilt' ... IOIA......... III ....... \IJ .... __ ......, 10 RIloaIIIII: cIlarp sa 1M pcIlllIIlIlIllnU; 11II11I) 11I1 _ ... CIIU.- "........... Ill'" ~ IIlDIII will be fOl\oIIdClIlD 1IImMr. I.aldar ..., cI.- IIIl1111i11llJla III\1D11 ., RIIlIdOI die pIS,,","" 0l0tlI.. ... NaIl: .r W ....., .. dltm ~ .. ~. It & RlIaId ..toea ~ ... mIIlallea will be'lII*d . I _II .....,.. wIlIIlIlII llII1 ~...........rc-. 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I" 110m...... CapJ.1Iorllrftr ulll" alvllllllllll CGlIfQmlId cap)' Drlbt I'lllll: lid of 1lII' &oaIlIl\1 bulIIIlIalI. . ~!IlIIO .. .- I .." I".. o. o8IlIP~ ......... --' ,.... paudG16 tdE m 'f" .. LCWl' NO. P,.-18-17831 17. ,...,....r 1bI1'r9\1fnr... ..1IMIdal.....Sa aorro-. Ihlll.. ~~_l'nIpeIIy.1I\f __In II lJ Illld Dtlllldnall fat lfolicllllll;W __1II..-1f..1II'.......... II M1' 11II11III JIII'Mll! wldlllll 1.cnIk(. arIar wdaID -. Lolllllt~. IIlla 0IIIIlIa. ....... ImnIaIIg ... .. dIlJ .r III tDlI ..... '" 1IIlt SIicudlW r--. 11_. 1IlII1Ip""'''1lOI ""iIIllaihIdlPllaIlIcrlf.......llIbIINlaIllyfldcnllaw u .tIllilllall "'''''-----. It tcpoW IIIlIldIII ddI ~ Laldtf lI1IIlllJWlllanvww IlIlIac 1Il.....1un. ,.. 0III\ac IIIIJII pmyldc.... If aaL IIIIl .. JO dll' IIOI\ldle .. . ...,. dcIIWft4 ...1lIllild wkblll --* IIalmIcr IllIUl P.Q' 111-.... !If 11I11 ~........ U'''''''' RII.laoflllt m..... 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IlllI mWiIIIIIIIalOll'llftlllJ9f r<<h -.II ddcr aW -1aCOIpI/IICd _Idd lIIIII..-4..s IlIJIpkmal lIlI_ ad IIJICIIlC'III DtdlllScnrllt J_l.lfslla ddaUl_- patel'1IIII1IIcuPt1 ~ la.dl:...wlll _.-)1 ~ ~ ....11* ~0IldamIaIalIl1llda ~ 1-4l'11ll11l1lUdcr Gnr/\IlIlIIl~1l1lW PlalllldUllll~RIdIl' IIhlIdI1,...RIdor IIIlaalI R/lIr:r IlIU! latpftI_ltl4It ~ non. RIIIct VA ~ CIlIlaIII bIIedM BXB:tln "A~ BY SlFJNl\'IG BILOW. IIllIIlIWcf .... u4...."'. __ _ ClIIItIIId III.... SIcIIIIlY ....... III., ddoICI).-ed 1If~IlllI.-nIDd wlU,... ~ ~ _', ~- (Sad) L.t. ~ (IaI) - (ScII) .JI4o;owu (SolI) - CIrlUlaa""ol'llaIdCllfC I, Ilurwllllla-__Mon1lII_la 1.1, Guu. DIltVII nft8B11KGK, hRlUlZIVAraA U238 W\llIaIlIII'lPolldllll. 12TH oIlY Dr JtIHI . .. h<ld~ aenJfJ IbJlllle cam<:r.1dIIIaI or 20110 , COMMOltWBALTH OF I'llNNSYLV,ulIA, ~ ,.,.. .,......... Counl1Ul . 2000 ,1Idlnw me. 1ilI1l1IlIatI&Dc4 DIf~. 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I \ '0.,.:. :1', 80D11618 ,jar .B82 'r . ,...- ". BY SlOIflNG BBLOW. lI4/nIWcr """11 IIld oBfCCll to .... UDI1Ii IUld prvvlol= mItoIat:d In dill 7":~~ ~ ~J/IVA, "'ww (Seal) .- (W) (ScJl) ........ -...... Uial) ~ -.. ......... ISctdI (Sa!) .11.... -- .- -. to .. . -."u 111llll ~aaH RO. PA-18-17831 l'op u, . ......11140111II .- lIIudR1Bnr,t oRR.' ~ .. Washington Mutual Mailstop JAXB2004 P.O. Box 44090 Jacksonville, FL 32231-4090 ~II II IIUIIIIIIII 8413708960 7100 4047 5100 3206 1162 September 28, 2006 000247 IPC KIMBERLY L LENKER 595 GENEVA DR APT 14 MECHANICSBURG PA 17055 WE ARE A DEBT COLLECI'OR. THIS IS AN ATTEMPT TO COLLECI' A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICE OF COLLECTION ACTIVITY RE: ACCOUNT # 8413708960 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mort~lle 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 pa&es The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (JiEMAP) may be able to help to save your home This Notice eJq)lains how the prol:l'am works To see if HEMAl' can help you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITIDN 30 DAYS OF THE DATE OF THIS NOTICE Take this Notice with you when you meet with the Counselinll A&enl;y The name address and phone number of Consumer Credit Counselin!: Allencies servin!: your C'..ounty are listed at the end of this Notice If you have any lj)lestions you may call the PenD.lfYlvania Housinll Finance Allenl;y toll free at 1-800-342-2397 (l'ersons with impaired hearinll 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 AFECI'A SU DERECHO A CONTINUAR VIvmNDO EN SU CASA. SI NO COMPRENDE EL CONTENlDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDlTAMENTE 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. PA ACf 91 c)(hl b\+ 11(611 '>. . .. HOMEOWNER'S NAME(S): Kimberly L. Lenker PROPERTY ADDRESS: 595 -14 Geneva Dr. Mechanicsburg PA 17055 8413708960 WAN ACCT. NUMBER: ORIGINAL LENDER: CURRENT LENDER/SERVICER: Washington Mutual Bank HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WlDCH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: · IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. · IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND · IF YOU MEET OTHER ELlGmILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FOREClOSURE - Under the Act, you are entitled to a temporary stay offoreclosure 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 AGENCIK'O - 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 addrp........~ and telephone numbers of d",~i~ated consumer credit coun.-lelin!: a~ncies 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 AS.'OI..~ANCE - 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 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 proceeding! will be pursued against you, if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy, you can still apply for Emergency Mortgage Assistance.) . . ~. t,J 000247'C0826 HOW TO CURE YOUR MORTGAGE DEFAULT (BriDl~ it uo to date). NATURR OF THR DRFAUI.T - The MORTGAGE debt held by the above lender on your property located at: 595 -14 Geneva Dr. Mechanicsburg PA 17055 IS SERIOUSLY IN DEFAULT BECAUSE: Non-payment A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly Installments: 07/0112006 0810112006 09/0 112006 $488.76 $488.76 $488.76 Other charges (explain/itemize): Uncollected Late Charges Uncollected Fees: Less Credits TOTAL AMOUNT PAST DUE: B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACfION (Not applicable): $68.38 $17.80 $379.64 $1172.82 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS ofthe date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO TIlE LENDER, WHICH IS $1172.82, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WInCH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. P~enL1 must be mad.. either by ca.1h ca.1hier's check certified check or money order made p.l\yahle and sent to. Washington Mutual Bank Cash Processing P.O. Box 3200 Milwaukee, WI 53224 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Not applicable): IF vOIr DO NOT r.URR THE DEFAITI.T - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lend..r intends to enrcise its riehts to a.,.,.,lerate the morf;ealle deht This means that the entire outstanding balance of this debt will be considered due immediately, and you may lose the the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to forl!("lose ..pon your mortllalled property. -IF THE MORTGAGE I~ FOREr.I.O~ED 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 lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attonery's fees actually incurred by the lender even if they exceed $50.00. Any 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 (;4Q) DAY period. you will not be reqnired to pay attorney's fees. OTHER LENDER REMEDIRCil - The lender may also sue you personally for the upaid principal balance and all other sums due under the mortgage. PA ACT 91 tJ .., .", .. ,. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period S;~:;Si:;~!:.~.i';:;;;;'~~~EE~~~~JL~fE:'., :;;:; '=: ~.;::'.= ~:E~. ""..og,.... .....It in ,'" .......... ..._ in thU ...... will restore your mortgage to the same position as if you had never defaulted. EARI.IF.~T PO~ClIRI.E SHERIFF'S SAI.E DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately 9 months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait, You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER; Name of Lender: Address: Washington Mutual Bank 72SS Baymeadows Way Jacksonville, FL 32256 866-926-8937 904-281-3914 Collection Department www.wamuhomeloansoCom Phone Number: Fax Number: Contact Person: Email Address: EFFF.C'J'S OF SHERIFF'S SAI.F.: - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You - mayor X may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges, and attorney's fees and costs are paid prior to or at the sale. and that the Other requirements of the mortgage are satisfied. · 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. YOU MAY AL.ClO HAVE THE RIGH1j · TO HAVE THE 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ARE ATIACHED We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. PA ACT 91 ,> .,'" ,.t . Washington Mutual Bank flk/a Washington Mutual Bank, FA successor in interest to HomeSide Lending, Inc. v. Kimberly L. Lenker VERIFICATION The undersigned is Assistant Vice President of Washington Mutual Bank on behalf of Washington Mutual Bank flk/a Washington Mutual Bank, FA successor in interest to HomeSide Lending, Inc. 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 THA T FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF PA.C.S. SECTION 4904 RELATING TO UNSWORN F ALSIFICA TION TO AUTHORITIES. Washington Mutual Bank, on behalf of Washington Mutual Bank flk/a Washington Mutual Bank, FA successor in interest to HomeSide Lending, Inc. Date: r. S->O? Name: tant Vice President Loan: 8413708960 06-28614 ::v (J iQ. ~ ~ ~ n r-..:> c: = 0 <''';:.."';) ::- -....I -n ......... -- Vl "Vi"'" t- ...... rrLl:~ T ~ ~ .~,.. ~. :po :r:." 8 () "':~.. % l'1'f= ~ '~':' """0 Vi -om ~ ~ _..~ 0 -,,0 r':-'- (jJ. ~ ~ ~ ::-\!';l :!",-. (-) ;po ..c -d ;.;, r) ::J: ()-- J'> (~-= ',';.C) 0 ('3m ~ ,--1 J C) ~ 0 t ,. :.~ 'I 1/ SHAPIRO & KREISMAN, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, P A 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 06-28614 Washington Mutual Bank f/kJa Washington Mutual Bank, FA successor in interest to HomeSide Lending, Inc. PLAINTIFF VS. Kimberly L. Lenker DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-179 PRAECIPE TO SETTLE. DISCONTINUE AND END TO THE PROTHONOTARY: Kindly mark the above-captioned matter SETTLED, DISCONTINUED AND ENDED, without prejudice. BY: DATED: ~"/p /DI I I SHAPIRO & KREISMAN, LLC Ilana Zion, Esquir Attorney for Plain . " . CERTIFICATE OF SERVICE I, Ilana Zion, Esquire, hereby certify that on c5( /,(, J /) 7 I I 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: Kimberly L. Lenker 595 Geneva Drive Apartment 14 Mechanicsburg, P A 17055 SHAPIRO & KREISMAN, LLC BY: Ilana Zion, Esquir Attorney for Plai . o ~ -r) Cr: cnr: ~?: -':,' 0~ <. ., ~,:c' .j;.> .'- ;;.r'- " :;:::,C> .- ~; L... -\ -< ......, c;= = -.I ..,., f"T'I CO N N ~ ;F:n ~Fn :uo 0,1 __; (.J r:p ~~C-:) ::s rn ~ -< ~ :1i: C5 .. o C" SHERIFF'S RETURN - REGULAR CASE NO: 2007-00179 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WASHINGTON MUTUAL BANK VS LENKER KIMBERLY L ROBERT BITNER , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon LENKER KIMBERLY L the DEFENDANT , at 1955:00 HOURS, on the 31st day of January 2007 at 595 GENEVA DRIVE APT 14 MECHANICSBURG, PA 17055 by handing to KIMBERLY LENKER a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: ~ ::l/J4/t~i / 18.00 19.36 .00 10.00 .00 47.36 r'~~ R. Thomas Kline 02/01/2007 SHAPIRO & KREISMAN before me this day ~~~ Deputy eri'1t. A.D. Sworn and Subscibed to of SHERIFF'S RETURN - NOT FOUND ... CASE NO: 2007-00179 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND . . WASHINGTON MUTUAL BANK VS LENKER KIMBERLY L R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT OCCUPANT but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE , NOT FOUND , as to the within named DEFENDANT , OCCUPANT 595 GENEVA DRIVE APT 14 MECHANICSBURG, PA 17055 THERE WERE NO OTHER OCCUPANTS. Sheriff's Costs: Docketing Service Not Found Surcharge ).II~ (b 1~ ,,/" 6.00 .00 5.00 10.00 .00 21.00 So an,sw~ ~ .. , R. Thomas Kline Sheriff of Cumberland County SHAPIRO & KREISMAN 02/01/2007 Sworn and Subscribed to before me this day of A.D. ~