Preview
CIVIL COVER SHEET AND ENTRY OF APPEARANCE
DELAWARE COUNTY COURT OF COMMON PLEAS
1. Case Caption Court Term & No.
Citizens Bank, N.A. (Plaintiff)
Christos Bottos and Konstantia Bottos
2a. Plaintiff(s) 2b. Defendant(s)
Citizens Bank, N.A. Christos Bottos
10561 Telegraph Road 1026 Lancaster Avenue
Glen Allen, VA 23059 Berwyn, Pennsylvania 19312
Konstantia Bottos
312 Robinson Road
Broomall, Pennsylvania 19008
3a. Related Cases? Yes 3b. Case Subject to Coordination Order? Yes
If yes, show Caption and Date of Order
4. Entry of Appearance
To the Office of Judicial Support:
Kindly enter my appearance on behalf of Citizens Bank, N.A., (a) plaintiff in this
action. Papers may be served at the address sent forth below.
Christine L. Graham, Esq. Address: 123 South Broad Street, #1400
Attorney for party named above (Please Print) Philadelphia, PA 19109
Telephone: 215) 790 Fax:(215) 790
#309480 Mail: cgraham@mwe _law.co
Attorney I.D. Number . -
Dy uy.
Is) Chreatine L. Gautam 6/21/2022
Vv
Attorney Signature DateChoose only the one description which best reflects the principal type of case or relief sought from the list.
Case Description
APPEAL
Minor Court
Money Judgement
Landlord and Tenant
Code Enforcement
Personal Injury
Breach of Contract
Other
Local Agency
Civil Service
Motor Vehicle
Licenses and Inspections
Liquor Control Board
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Other
Proceedings Commenced by Petition
Appointment of Arbitrators
Change of Name
Compel Medical Examination
Election Matters
Eminent Domain
Leave to Issue Subpoena
Mental Health Pr oceedings
Other
ACTIONS COMMENCED BY WRIT
OF SUMMONS OR COMPLAINT
Abuse of Process
Action for Wrongful Death
Class Action
Confession of Judgement/Money
Confession of Judgement/
Real Property
Contract
Construction
Insurance/Bad Faith
Negotiable Instruments
Other
Intentional Tort
Assault and Battery
Libel and Slander
Defamation
Employment/Wrongful Discharge
False Imprisonment
Fraud
Malicious Prosecution
Negligence
Motor Vehicle
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Toxic Tort
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DES
Implant
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Other
Professional Malpractice
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Legal
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Other
Equity
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Other
Declaratory Judgement
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Ejectment
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Mechanics Lien
Partition
Prevent Waste
Replevin
Saving Action Um/Uim
Quo Warranto
OtherMcCABE, WEISBERG & CONWAY, LLC
MARGARET GAIRO, ESQUIRE - ID # 34419
CHRISTINE L. GRAHAM, ESQUIRE - ID # 309480
MARISA MYERS COHEN, ESQUIRE - ID # 87830
ANDREW M. LUBIN, ESQUIRE - ID # 54297
CHELSEA A. NIXON, ESQUIRE - ID # 324130
JAMES FRENCH, ESQUIRE - ID # 319597
NATHALIE PAUL, ESQUIRE ~ ID # 309118
123 South Broad Street, Suite 1400
Philadelphia, PA 19109
(215) 790-1010
Citizens Bank, N.A. s/b/m/t Citizens Bank of
Pennsylvania
10561 Telegraph Road
Glen Allen, VA 23059,
Plaintiff,
v.
Christos Bottos
1026 Lancaster Avenue
Berwyn, PA 19312,
and
Konstantia Bottos
312 Robinson Road
Broomall, PA 19008,
Defendants.
Attorneys for Plaintiff
Delaware County
Court of Common Pleas
Number:
COMPLAINT IN MORTGAGE FORECLOSURE
1. Plaintiff is Citizens Bank, N.A. Citizens Bank, N.A. s/b/m/t Citizens Bank of
Pennsylvania, duly organized and doing business at the above-captioned address.
Bottos 22-100899
Complaint in Mortgage Foreclosure
Page 2 of 5NOTICE
You have been sued in court. If you wish to
defend against the claims set forth in the
following pages, you must take action within
twenty (20) days after this complaint and notice
are served, by entering a written appearance
personally or by attorney and filing in writing
with the court your defenses or objections to the
claims set forth against you. You are warned that
if you fail to do so the case may proceed without
you and a judgment may be entered against you
by the court without further notice for any money
claimed in the complaint or for any other claim
or relief requested by the plaintiff. You may lose
money or property or other rights important to
you.
YOU SHOULD TAKE THIS PAPER TO
YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER, GO TO OR
TELEPHONE THE OFFICE SET FORTH
BELOW. THIS OFFICE CAN PROVIDE YOU
WITH INFORMATION ABOUT HIRING A
LAWYER.
IF YOU CANNOT AFFORD TO HIRE A
LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION
ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS
AT A REDUCED FEE OR NO FEE.
Lawyers Reference Service
Delaware County Bar Association
335 West Front Street
Media, Pennsylvania 19063
(610) 566-6625
Bottos 22-100899
Complaint in Mortgage Foreclosure
AVISO
Le han demandado a usted en la corte. Si usted
quiere defenderse de estas demandas ex-puestas
en las paginas siguientes, usted tiene veinte (20)
dias de plazo al partir de la fecha de la demanda
y la notificacion. Hace falta asentar una
comparencia escrita 0 en persona o con un
abogado y entregar a la corte en forma escrita sus
defensas 0 sus objeciones a las demandas en
contra de su persona. Sea avisado que si usted
no se defiende, la corte tomara medidas y puede
continuar la demanda en contra suya sin previo
aviso 0 notificacion. Ademas, la corte puede
decidir a favor del demandante y requiere que
usted cumpla con todas las provisiones de esta
demanda. Usted puede perder dinero o sus
propiedades u otros derechos importantes para
usted.
USTED LE DEBE TOMAR ESTE PAPEL
A SU ABOGADO INMEDIATAMENTE. SI
USTED NO TIENE A UN ABOGADO, VA A
O TELEFONEA LA OFICINA EXPUSO
ABAJO. ESTA OFICINA LO PUEDE
PROPORCIONAR CON INFORMATION
ACERCA DE EMPLEAR A UN ABOGADO.
SI USTED NO PUEDE PROPORCIONAR
PARA EMPLEAR UN ABOGADO, ESTA
OFICINA PUEDE SER CAPAZ DE
PROPORCIONARLO CON INFORMACION
ACERCA DE LAS AGENCIAS QUE PUEDEN
OFRECER LOS SERVICIOS LEGALES A
PERSONAS ELEGIBLES EN UN
HONORARIO REDUCIDO NI NINGUN
HONORARIO.
Lawyers Reference Service
Delaware County Bar Association
335 West Front Street
Media, Pennsylvania 19063
(610) 566-6625
Page 1 of 52. The Defendant is Christos Bottos, who is a mortgagor and real owner of the
mortgaged property hereinafter described, and his/her last-known address is 1026 Lancaster
Avenue, Berwyn, PA 19312.
3. The Defendant is Konstantia Bottos, who is a mortgagor and real owner of the
mortgaged property hereinafter described, and his/her last-known address is 312 Robinson Road,
Broomall, PA 19008.
4. On December 21, 2007, Christos Bottos and Konstantia Bottos, made, executed and
delivered a Mortgage upon the premises hereinafter described to Citizens Bank of Pennsylvania
which Mortgage is recorded in the Office of the Recorder of Delaware County as Instrument
Number 2008005227 in Mortgage Book 04285, Page 0407 (“the Mortgage”), the Mortgage is
incorporated herein by reference pursuant to Pa.R.C.P. 1019(g).
5. On December 21, 2007, Christos Bottos, also executed an Adjustable Rate Note
secured by the Mortgage (“the Note”). Plaintiff, directly or through an agent, is in possession of
the Note and is the holder of the Note with the right to enforce it; the Note is either made payable
to plaintiff or has been duly indorsed.
6. The premises subject to the Mortgage is described in the legal description attached
as Exhibit “A” and is known as 312 Robinson Road, Broomall, PA 19008.
7. The Mortgage is in default because monthly payments of principal and interest
upon the Mortgage due May 27, 2018 and each month thereafter are due and unpaid, and by the
terms of the Mortgage, upon default in such payments for a period of one month, the entire
principal balance and all interest due thereon are collectible forthwith.
Bottos 22-100899 Complaint in Mortgage Foreclosure Page 3 of 58. The following amounts are due on the Mortgage:
Principal Balance
Interest through June 15, 2022
(Interest due and owing at a variable rate, currently $2.96
per diem)
Late Charges
Escrow Advance
Inspections
Title Cost
GRAND TOTAL
plus additional interest and all other amounts authorized under the mortgage and applicable law
that are reasonable and have been incurred, including but not limited to costs, escrow advances,
and attorney's fees.
9. Pre-foreclosure notices were sent at least 33 days prior to the filing of this action.
Copies of said notices are attached hereto as Exhibit “B”.
WHEREFORE, Plaintiff demands in rem Judgment against the Defendants in the sum of
$61,391.41, together with interest accruing thereafter; other costs and charges collectible under the
Mortgage and applicable law, including all reasonable and actually incurred attorney's fees and
costs; and the foreclosure and sale of the mortgaged property.
PHA
$
28,848.83
4,746.02
422.01
26,716.55
410.00
248.00
61,391.41
Date: __ 6/21/2022 McCABE, WEISBERG & CONWAY, LLC
BY: _/s/ Christine L. Patam
{ ] Margaret Gairo, Esq.
[x] Christine L. Graham, Esq.
[ ] Nathalie Paul, Esq.
[ ] Chelsea A. Nixon, Esq.
Attorneys for Plaintiff
Bottos 22-100899 Complaint in Mortgage Foreclosure
YJ James French, Esq.
[ ] Marisa Myers Cohen, Esq.
[ ] Andrew M. Lubin, Esq.VERIFICATION
Willis , hereby states that he/she is ter c/s vfe WA My}
of Citizens Bank, N.A., Plaintiff in this matter, that he/she is authorized to make this
Verification, and verify that the statements of fact made in the foregoing Civil Action in
Mortgage Foreclosure are true and correct to the best of his/her knowledge, information and
belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa.
C.S. Sec. 4904 relating to unsworn falsification to authorities.
pate: __&- It.a oQ Uy: ill tr Toner dll Len
Name: Ly, [ls Toier
Title: Lore dosue porte Ib
Citizens Bank, N.A. s/b/m/t Citizens Bank of
Pennsylvania
File #: 22-100899
Name: Citizens Bank, N.A. Citizens Bank, N.A. s/b/m/t Citizens Bank of Pennsylvania
v. Christos Bottos and Konstantia Bottos
Bottos 22-100899 Complaint in Mortgage Foreclosure Page 5 of 5EX IBITA
Legal Description
Legal Descriptions: All that certain property situated in the TOWNSHIP OF MARPLE in the
county of DELAWARE, and the Commonwealth of PENNSYLVANIA, being described as follows:
PARCEL # 25-00-03994-00 and being more fully described in a deed dated 07/02/1987, and
recorded 07/16/1987, among the land records of the county and state set forth above, in
Deed Book 486, page 1892.
"TAX ID# 25-00-03994-00Date: March 10, 2020
Act 91 Notice*«
La Notificacién de Acto 91*
Save Your Home From Foreclosure
This is an official Act 91 Notice. You are receiving this notice because Pennsylvania law
requires mortgage lenders to send it to homeowners facing foreclosure. This notice contains important
legal information about your rights and how you can save your home. YOU MAY BE ELIGIBLE
FOR STATE FUNDED ASSISTANCE from the Homeowner’s Emergency Mortgage Assistance
Program (HEMAP), a program of the Pennsylvania Housing Finance Agency (PHFA).
CALL A COUNSELING AGENCY FOR A MEETING.
APPLYING FOR HEMAP MAY TEMPORARILY STOP A FORECLOSURE ACTION.
To apply, you must have a face-to-face meeting with a HEMAP-approved Consumer Credit
Counseling Agency within 33 days of the date of this notice. This meeting is free and is the only way
to apply for HEMAP. A list-of approved Counseling Agencies is attached. A list is also available at
http://www.phfa.org/counseling/hemap.aspx. If after speaking with a Counseling Agency you have
further questions about HEMAP, please call 1 (800) 342-2397. Individuals with hearing impairment
may call 711 (RELAY). =
To make sure you meet the deadline, please call a Counseling Agency immediately to schedule
a face-to-face meeting. Take this entire Act 91 Notice, including the attached Account Summary, with
you to your face-to-face meeting. A counselor can:
Help you apply for HEMAP and explain how the program works.
Talk with your lender about a loan modification or other repayment plan.
Explain possible options to avoid foreclosure such as loss mitigation, refinancing your loan,
selling or transferring your property to a third party or having a third party cure the delinquency
on your behalf through a short sale or assumption of mortgage.
Provide referrals for other assistance, programs or services.
Explain other rights you may have, including your right to assert the non-existence of the debt
and any other defenses you may have.
Even if you miss the deadline, you may still apply for HEMAP, but a late HEMAP application
will not stop your lender from foreclosing. However, if your application is approved, a HEMAP
assistance loan will bring your mortgage current and stop the foreclosure. HEMAP may also
temporarily help you make future mortgage payments.
Alternatively, you may save your home from foreclosure by curing your default. That means
paying your lender all amounts currently due, including reasonable late charges, attorney fees and
other costs and by otherwise fulfilling your mortgage obligations. You may cure the default at any time
up to one hour before a Sheriff's Sale, up to three times in any calendar year.
If you have filed a petition in bankruptcy, this notice is provided for informational purposes
only and is not an attempt to collect a debt. If you are protected by a bankruptcy filing you may still
apply for HEMAP assistance.
*CONSULTE AL DORSO LA TRADUCCION DE ESTA NOTIFICACION IMPORTANTE, O
LLAME AL 1.800.342.2397.
BOTTOS, CHRISTOS / KONSTANTIA ACT 91 NOTICE PAGE 1Fecha: el 10 de marzo de 2020
Notificacién sobre la Ley 91*
Act 91 Notice*
Salve a su Hogar de la Ejecuci6n Hipotecaria
La presente es una notificacién oficial sobre la Ley 91. Usted esta recibiendo esta notificacién
porque la ley de Pennsylvania requiere que los prestamistas hipotecarios la envien a los propietarios de
viviendas que se encuentren enfrentando una ejecucién hipotecaria. Este aviso contiene informacién legal
importante acerca de sus derechos y de lo que puede hacer para salvar su hogar. ES POSIBLE QUE SEA
ELEGIBLE PARA OBTENER AYUDA CON FONDOS ESTATALES del Programa de Asistencia
de Emergencia Hipotecaria para Duefios de Hogares (HEMAP, por sus siglas en inglés), un programa de
la Agencia de Financiamiento de Hogares de Pennsylvania (PHFA, por sus siglas en inglés).
LLAME A UNA AGENCIA DE ASESORAMIENTO PARA CONCERTAR UNA REUNION. 7
LA SOLICITUD PARA EL. HEMAP PUEDE DETENER DE FORMA TEMPORARIA LA EJECUCION
DE UNA HIPOTECA.
Para presentar su solicitud, debe celebrar una reunién presencial con una Agencia de Asesoria
Crediticia para el Consumidor aprobada porel HEMAP, antes de que transcurran 33 dias, a partir de la
fecha de esta notificacién. Esta reunion es gratuita y es la unica manera de solicitar el HEMAP. Se adjunta
una lista de Agencias de Asesoria aprobadas. También puede encontrar una lista en
http://www.phfa.org/counseling/hemap.aspx. Si luego de hablar con una Agencia de Asesoria tiene
alguna pregunta sobre el HEMAP, por favor Ilame al 1 (800) 342-2397. Las personas con discapacidades
auditivas pueden llamar al 711 (RELE).
Con el fin de asegurar que cumpla con el plazo, por favor Ilame a una Agencia de Asesoria y
programe una reunién presencial de inmediato. Lleve esta Notificacién sobre la Ley 91, junto con el
Resumen de Cuenta adjunto, a su reunién presencial. Un asesor puede:
. Ayudarlo a presentar su solicitud al HEMAP y explicarle cémo funciona el programa.
. Hablar con su prestamista acerca de una modificacién del préstamo u otro plan de pago.
. Explicarle las opciones posibles para evitar la ejecucién de la hipoteca, como la mitigacién de
pérdidas, la refinanciacién del préstamo, la venta o transferencia de su propiedad a un tercero,
© que un tercero pague el atraso en su nombre, a través de una venta al descubierto o
asumiendo Ia hipoteca.
° Derivarlo a otro tipo de asistencia, programa o servicio.
° Explicarle otros derechos que pueda tener, incluido su derecho de reivindicar la no existencia
de la deuda y cualquier otra defensa que tenga.
Incluso si no cumple con el plazo, es posible presentar su solicitud para el HEMAP, pero la
solicitud tardia al HEMAP no impedira que su prestamista ejecute la hipoteca. Sin embargo, si se aprueba
su solicitud, el préstamo de ayuda del HEMAP pondra su hipoteca al dia y detendré la ejecucién. El
HEMAP también puede ayudarlo, de manera temporal, a realizar los pagos de hipoteca futuros.
También puede optar por la alternativa de subsanar el incumplimiento para salvar a su hogar de la
ejecucién hipotecaria. Eso significa pagarle a su prestamista todos los montos adeudados a la actualidad,
_..incluidos los cargos moratorios, los honorarios de abogados y otros costos razonables, y cumplir con sus
obligaciones hipotecarias. Puede subsanar el incumplimiento en cualquier momento, hasta una hora antes
de la subasta judicial, un maximo de tres veces por cada afio calendario.
Si usted ha presentado una solicitud de quiebra, esta notificacién se proporciona solo con fines
informativos y no es un intento de cobrar una deuda. Usted puede solicitar la ayuda del HEMAP, incluso
si esta protegido por una declaracién de quiebra.
*SEE REVERSE SIDE FOR TRANSLATION OF THIS IMPORTANT NOTICE OR CALL 1.800.342.2397: =: -
Bortros, CHRISTOS / KONSTANTIA ACT 91 NOTICE PAGE 2ACT 91 NOTICE
Account Summary
Your Loan Details:
Name(s) on Account: | Christos Bottos Konstantia Bottos
312 Robinson Road 312 Robinson Road
a/k/a 312 Robinson Drive a/k/a 312 Robinson Drive
Broomall, PA 19008 Broomall, PA 19008
Christos Bottos Konstantia Bottos
1026 Lancaster Avenue 1026 Lancaster Avenue
Berwyn, PA 19312 Berwyn, PA 19312
Address of Mortgaged Property:
312 Robinson Road a/k/a 312 Robinson Drive, Broomall, PA
19008
Account Number:
es |
How to Contact Your Lender:
Current Lender or Servicer:
Citizens One Home Loans
Lender or Servicer Address:
10561 Telegraph Road
Glen Allen, VA 23059
Lender or Servicer Phone
Number:
877-745-7366
Contact Person:
Sarah Kataraihya
Phone Number:
804-486-2645
Fax Number:
888-999-5923
Email:
sarah.kataraihya@citizensbank.com
Default Information:
Monthly Payments Missed:
May 2018 — February 2020
Total Amount Past Due:
Monthly Payments:
05/27/18 = $296.85
06/27/18 = $288.47
07/27/18 = $284.91
08/27/18 = $294.60
09/27/18 = $294.59
10/27/18 = $290.84
11/27/18 = $300.72
12/27/18 = $296.76
01/27/19 = $300.72
02/27/19 = $306.85
03/27/19 = $294.39
04/27/19 = $306.85
05/27/19 = $302.69
06/27/19 = $306.85
07/27/19 = $302.69
08/27/19 = $306.84
09/27/19 = $306.85
BorTros, CHRISTOS / KONSTANTIA
Act 91 NOTICE PAGE310/27/19 = $296.77
11/27/19 = $294.59
12/27/19 = $284.91
01/27/20 = $288.47
02/27/20 = $288.16
Late Charges = $161.44
Total Amount Past Due = $6,696.81
*Please be aware that fees and costs may continue to accrue
through the duration of the delinquency.
How to Cure the Default:
Within 30 Days of the Date on | Pay $6,696.81, plus any payment and other charges that have
This Notice: | become due to your lender or servicer by cash, cashier's
check, certified check or other means acceptable to both
parties.
Send Payment and Make | Citizens One Home Loans
Payable to: | C/o The Law Office of Gregory Javardian
1310 Industrial Boulevard, Suite 101
Southampton, PA 18966
To Cure “Other Default”: | N/A
Is the Mortgage Assumable? | No, but please contact your Lender to discuss your options.
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BotrTos, CHRISTOS / KONSTANTIA Act 91 NOTICE PAGE 4HEMAP Consumer Credit Counseling Agencies
DELAWARE County
Report last updated: 03/04/2020 01:37 PM
Affordable Housing Centers of PA
846 North Broad St
Ist Floor
Philadelphia, PA 19130
215-765-1221
American Credit Counseling Institute (ACCI)
6800 Market St
Ist Floor
Upper Darby, PA 19082
888-212-6741
Clarifi
1060 Kings Highway North
Suite 315
Cherry Hill, NJ 08034
215-563-5665
Clarifi
YMCA of Burlington & Camden Counties
302 Commerce Square Blvd
Burlington, NJ 08016
800-989-2227
Clarifi/CCCS of Delaware Valley
1608 Walnut St
10th Floor
Philadelphia, PA 19107
215-563-5665
Clarifi/CCCS of Delaware Valley
7340 Jackson St
Philadelphia, PA 19136
215-563-5665
Clarifi/CCCS of Delaware Valley
1410 West Erie Ave
Office #122
Philadelphia, PA 19140
215-563-5665
Diversified Community Services - Dixon House
1920 South 20th St
Philadelphia, PA 19145
215-336-3511
HACE
4907 Frankford Ave
Philadelphia, PA 19124
215-437-7867
American Credit Counseling Institute (ACCI
603 Swede St
Norristown, PA 19401
888-212-6741
APM - Association of Puerto Ricans on the March
600 W Diamond St
Philadelphia, PA 19122
215-235-6070
Clarifi
710 N Lincoln St
Unit 118
Wilmington, DE 19805
215-563-5665
Clarifi
8600 West Chester Pike
Suite 207
Upper Darby, PA 19086
215-563-5665
Clarifi/CCCS of Delaware Valley
770 E Market St
Suite 190
West Chester, PA 19382
215-563-5665
Clarifi/CCCS of Delaware Valley
101 Greenwood Ave
Suite 340
Jenkintown, PA 19046
215-563-5665
Clarifi/CCCS of Delaware Valley
100 Levittown Pkwy
2nd Floor
Levittown, PA 19054
215-563-5665
HACE
167 W Allegheny Ave
2nd Floor
Philadelphia, PA 19140 -
215-426-8025
Intercultural Family Services, Inc.
4225 Chestnut St
Philadelphia, PA 19104
215-386-1298HEMAP Consumer Credit Counseling Agencies
DELAWARE County
Report last updated: 03/04/2020 01:37 PM.
Media Fellowship House
302 South Jackson St
Media, PA 19063
610-565-0434
Northwest Counseling Service
6521 North Broad St
Philadelphia, PA 19126
215-324-7500
Phila Council For Community Advancement
1617 John F Kennedy Blvd
Suite 1550
Philadelphia, PA 19103
215-567-7803
West Oak Lane CDC
2502-06 W. Cheltenham Ave
Philadelphia, PA 19150
215-224-8339
(Continued...)
New Kensington Community Development Corp
2515 Frankford Ave
Philadelphia, PA 19125
215-427-0350
PathStone Corporation
648 Buena Vista Dr
Kennett Square, PA 19348
610-925-5600
Urban League of Philadelphia
121 S Broad St
9th Floor
Philadelphia, PA 19107
215-985-32201.
2.
4
NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT
This is an attempt to collect a debt and any information obtained will be used for the
purpose.
Unless you dispute the validity of this debt, or any portion thereof, within thirty (30) days
after receipt of this notice, the debt will be assumed to be valid by our offices.
If you notify our offices in writing within thirty (30) days of receipt of this notice, that the
debt, or any portion thereof, is disputed, our offices will provide you with verification of the
debt or copy of the judgment against you, and a copy of such verification or judgment will
be mailed to you by our offices.
If you notify our offices in writing within thirty (30) days of receipt of this notice, our offices
will provide you with the name and address of the original creditor, if different from the
current creditor.
IMPORTANT NOTICE TO SERVICEMEMBER AND THEIR DEPENDENTS
If you are a servicemember who is, or recently was, on "active duty" or "active service", or
a dependent of such a servicemember, you may be entitled to certain legal rights and protections,
including protection from foreclosure or eviction, pursuant to the Servicemembers Civil Relief Act
(50 USC App. $$501-596), as amended (the SCRA) and possibly, certain similar state statutes. If
you believe you may be entitled to rights and protections under SCRA, please contact consumer
finance customer service at 1-800-708-6680.Seiclcauies
Cosran a =e Wy at ele
Domestic Mail Only
Broomall, PA 19008
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Certified Mail Fee g 2
Return Receipt (Hardcopy) $ 0200
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Return Receipt (Electronic) $
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0.65
Postage $
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Total Postage and Fees $ nee
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312 Robinson Road
a/k/a 312 Robinson Drive
Reference Information
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Certified Mail Fee $ 3%
Return Receipt (Hardcopy) = $ 9-00
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Return Receipt (Electronic) $ wes
Certified Mail Restricted Delivery $ 9.00
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1026 Lancaster Avenue
Berwyn, PA 19312
Reference Information
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Total Postage and Fees $ oe70
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312 Robinson Road
a/k/a 312 Robinson Drive
Broomall, PA 19008
Citizens y. Bottos
U.S. Postal: Service®
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CERTIFIED MAIL® RECEIPT
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Certified Mail Fee $
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Return Receipt (Hardcopy) $ nd
: ; 1.70 }\ yyatO”
Return Receipt (Electronic) $ 9.80 postmétk
cenitied Mail Restricted Delivery $ Here“
0.65
Postage $
5.90
Total Postage and Fees $
Sept tRtantia Bottos
1026 Lancaster Avenue
Berwyn, PA 19312
Reference Information
Citizens v. Bottos
Preview
CIVIL COVER SHEET AND ENTRY OF APPEARANCE DELAWARE COUNTY COURT OF COMMON PLEAS 1. Case Caption Court Term & No. Citizens Bank, N.A. (Plaintiff) Christos Bottos and Konstantia Bottos 2a. Plaintiff(s) 2b. Defendant(s) Citizens Bank, N.A. Christos Bottos 10561 Telegraph Road 1026 Lancaster Avenue Glen Allen, VA 23059 Berwyn, Pennsylvania 19312 Konstantia Bottos 312 Robinson Road Broomall, Pennsylvania 19008 3a. Related Cases? Yes 3b. Case Subject to Coordination Order? Yes If yes, show Caption and Date of Order 4. Entry of Appearance To the Office of Judicial Support: Kindly enter my appearance on behalf of Citizens Bank, N.A., (a) plaintiff in this action. Papers may be served at the address sent forth below. Christine L. Graham, Esq. Address: 123 South Broad Street, #1400 Attorney for party named above (Please Print) Philadelphia, PA 19109 Telephone: 215) 790 Fax:(215) 790 #309480 Mail: cgraham@mwe _law.co Attorney I.D. Number . - Dy uy. Is) Chreatine L. Gautam 6/21/2022 Vv Attorney Signature DateChoose only the one description which best reflects the principal type of case or relief sought from the list. Case Description APPEAL Minor Court Money Judgement Landlord and Tenant Code Enforcement Personal Injury Breach of Contract Other Local Agency Civil Service Motor Vehicle Licenses and Inspections Liquor Control Board Tax Assessment Boards Zoning Board Other Proceedings Commenced by Petition Appointment of Arbitrators Change of Name Compel Medical Examination Election Matters Eminent Domain Leave to Issue Subpoena Mental Health Pr oceedings Other ACTIONS COMMENCED BY WRIT OF SUMMONS OR COMPLAINT Abuse of Process Action for Wrongful Death Class Action Confession of Judgement/Money Confession of Judgement/ Real Property Contract Construction Insurance/Bad Faith Negotiable Instruments Other Intentional Tort Assault and Battery Libel and Slander Defamation Employment/Wrongful Discharge False Imprisonment Fraud Malicious Prosecution Negligence Motor Vehicle Real Property Premises Liability Product Liability Toxic Tort Asbestos DES Implant Toxic Waste Other Professional Malpractice Dental Legal Medical Other Equity Real Property Stockholders Derivative Action Waste Prevention Other Declaratory Judgement Ground Rent Mandamus Real Property Ejectment Quiet Title Mortgage Foreclosure Mechanics Lien Partition Prevent Waste Replevin Saving Action Um/Uim Quo Warranto OtherMcCABE, WEISBERG & CONWAY, LLC MARGARET GAIRO, ESQUIRE - ID # 34419 CHRISTINE L. GRAHAM, ESQUIRE - ID # 309480 MARISA MYERS COHEN, ESQUIRE - ID # 87830 ANDREW M. LUBIN, ESQUIRE - ID # 54297 CHELSEA A. NIXON, ESQUIRE - ID # 324130 JAMES FRENCH, ESQUIRE - ID # 319597 NATHALIE PAUL, ESQUIRE ~ ID # 309118 123 South Broad Street, Suite 1400 Philadelphia, PA 19109 (215) 790-1010 Citizens Bank, N.A. s/b/m/t Citizens Bank of Pennsylvania 10561 Telegraph Road Glen Allen, VA 23059, Plaintiff, v. Christos Bottos 1026 Lancaster Avenue Berwyn, PA 19312, and Konstantia Bottos 312 Robinson Road Broomall, PA 19008, Defendants. Attorneys for Plaintiff Delaware County Court of Common Pleas Number: COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is Citizens Bank, N.A. Citizens Bank, N.A. s/b/m/t Citizens Bank of Pennsylvania, duly organized and doing business at the above-captioned address. Bottos 22-100899 Complaint in Mortgage Foreclosure Page 2 of 5NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Lawyers Reference Service Delaware County Bar Association 335 West Front Street Media, Pennsylvania 19063 (610) 566-6625 Bottos 22-100899 Complaint in Mortgage Foreclosure AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas ex-puestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita 0 en persona o con un abogado y entregar a la corte en forma escrita sus defensas 0 sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso 0 notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. USTED LE DEBE TOMAR ESTE PAPEL A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE A UN ABOGADO, VA A O TELEFONEA LA OFICINA EXPUSO ABAJO. ESTA OFICINA LO PUEDE PROPORCIONAR CON INFORMATION ACERCA DE EMPLEAR A UN ABOGADO. SI USTED NO PUEDE PROPORCIONAR PARA EMPLEAR UN ABOGADO, ESTA OFICINA PUEDE SER CAPAZ DE PROPORCIONARLO CON INFORMACION ACERCA DE LAS AGENCIAS QUE PUEDEN OFRECER LOS SERVICIOS LEGALES A PERSONAS ELEGIBLES EN UN HONORARIO REDUCIDO NI NINGUN HONORARIO. Lawyers Reference Service Delaware County Bar Association 335 West Front Street Media, Pennsylvania 19063 (610) 566-6625 Page 1 of 52. The Defendant is Christos Bottos, who is a mortgagor and real owner of the mortgaged property hereinafter described, and his/her last-known address is 1026 Lancaster Avenue, Berwyn, PA 19312. 3. The Defendant is Konstantia Bottos, who is a mortgagor and real owner of the mortgaged property hereinafter described, and his/her last-known address is 312 Robinson Road, Broomall, PA 19008. 4. On December 21, 2007, Christos Bottos and Konstantia Bottos, made, executed and delivered a Mortgage upon the premises hereinafter described to Citizens Bank of Pennsylvania which Mortgage is recorded in the Office of the Recorder of Delaware County as Instrument Number 2008005227 in Mortgage Book 04285, Page 0407 (“the Mortgage”), the Mortgage is incorporated herein by reference pursuant to Pa.R.C.P. 1019(g). 5. On December 21, 2007, Christos Bottos, also executed an Adjustable Rate Note secured by the Mortgage (“the Note”). Plaintiff, directly or through an agent, is in possession of the Note and is the holder of the Note with the right to enforce it; the Note is either made payable to plaintiff or has been duly indorsed. 6. The premises subject to the Mortgage is described in the legal description attached as Exhibit “A” and is known as 312 Robinson Road, Broomall, PA 19008. 7. The Mortgage is in default because monthly payments of principal and interest upon the Mortgage due May 27, 2018 and each month thereafter are due and unpaid, and by the terms of the Mortgage, upon default in such payments for a period of one month, the entire principal balance and all interest due thereon are collectible forthwith. Bottos 22-100899 Complaint in Mortgage Foreclosure Page 3 of 58. The following amounts are due on the Mortgage: Principal Balance Interest through June 15, 2022 (Interest due and owing at a variable rate, currently $2.96 per diem) Late Charges Escrow Advance Inspections Title Cost GRAND TOTAL plus additional interest and all other amounts authorized under the mortgage and applicable law that are reasonable and have been incurred, including but not limited to costs, escrow advances, and attorney's fees. 9. Pre-foreclosure notices were sent at least 33 days prior to the filing of this action. Copies of said notices are attached hereto as Exhibit “B”. WHEREFORE, Plaintiff demands in rem Judgment against the Defendants in the sum of $61,391.41, together with interest accruing thereafter; other costs and charges collectible under the Mortgage and applicable law, including all reasonable and actually incurred attorney's fees and costs; and the foreclosure and sale of the mortgaged property. PHA $ 28,848.83 4,746.02 422.01 26,716.55 410.00 248.00 61,391.41 Date: __ 6/21/2022 McCABE, WEISBERG & CONWAY, LLC BY: _/s/ Christine L. Patam { ] Margaret Gairo, Esq. [x] Christine L. Graham, Esq. [ ] Nathalie Paul, Esq. [ ] Chelsea A. Nixon, Esq. Attorneys for Plaintiff Bottos 22-100899 Complaint in Mortgage Foreclosure YJ James French, Esq. [ ] Marisa Myers Cohen, Esq. [ ] Andrew M. Lubin, Esq.VERIFICATION Willis , hereby states that he/she is ter c/s vfe WA My} of Citizens Bank, N.A., Plaintiff in this matter, that he/she is authorized to make this Verification, and verify that the statements of fact made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his/her knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. pate: __&- It.a oQ Uy: ill tr Toner dll Len Name: Ly, [ls Toier Title: Lore dosue porte Ib Citizens Bank, N.A. s/b/m/t Citizens Bank of Pennsylvania File #: 22-100899 Name: Citizens Bank, N.A. Citizens Bank, N.A. s/b/m/t Citizens Bank of Pennsylvania v. Christos Bottos and Konstantia Bottos Bottos 22-100899 Complaint in Mortgage Foreclosure Page 5 of 5EX IBITA Legal Description Legal Descriptions: All that certain property situated in the TOWNSHIP OF MARPLE in the county of DELAWARE, and the Commonwealth of PENNSYLVANIA, being described as follows: PARCEL # 25-00-03994-00 and being more fully described in a deed dated 07/02/1987, and recorded 07/16/1987, among the land records of the county and state set forth above, in Deed Book 486, page 1892. "TAX ID# 25-00-03994-00Date: March 10, 2020 Act 91 Notice*« La Notificacién de Acto 91* Save Your Home From Foreclosure This is an official Act 91 Notice. You are receiving this notice because Pennsylvania law requires mortgage lenders to send it to homeowners facing foreclosure. This notice contains important legal information about your rights and how you can save your home. YOU MAY BE ELIGIBLE FOR STATE FUNDED ASSISTANCE from the Homeowner’s Emergency Mortgage Assistance Program (HEMAP), a program of the Pennsylvania Housing Finance Agency (PHFA). CALL A COUNSELING AGENCY FOR A MEETING. APPLYING FOR HEMAP MAY TEMPORARILY STOP A FORECLOSURE ACTION. To apply, you must have a face-to-face meeting with a HEMAP-approved Consumer Credit Counseling Agency within 33 days of the date of this notice. This meeting is free and is the only way to apply for HEMAP. A list-of approved Counseling Agencies is attached. A list is also available at http://www.phfa.org/counseling/hemap.aspx. If after speaking with a Counseling Agency you have further questions about HEMAP, please call 1 (800) 342-2397. Individuals with hearing impairment may call 711 (RELAY). = To make sure you meet the deadline, please call a Counseling Agency immediately to schedule a face-to-face meeting. Take this entire Act 91 Notice, including the attached Account Summary, with you to your face-to-face meeting. A counselor can: Help you apply for HEMAP and explain how the program works. Talk with your lender about a loan modification or other repayment plan. Explain possible options to avoid foreclosure such as loss mitigation, refinancing your loan, selling or transferring your property to a third party or having a third party cure the delinquency on your behalf through a short sale or assumption of mortgage. Provide referrals for other assistance, programs or services. Explain other rights you may have, including your right to assert the non-existence of the debt and any other defenses you may have. Even if you miss the deadline, you may still apply for HEMAP, but a late HEMAP application will not stop your lender from foreclosing. However, if your application is approved, a HEMAP assistance loan will bring your mortgage current and stop the foreclosure. HEMAP may also temporarily help you make future mortgage payments. Alternatively, you may save your home from foreclosure by curing your default. That means paying your lender all amounts currently due, including reasonable late charges, attorney fees and other costs and by otherwise fulfilling your mortgage obligations. You may cure the default at any time up to one hour before a Sheriff's Sale, up to three times in any calendar year. If you have filed a petition in bankruptcy, this notice is provided for informational purposes only and is not an attempt to collect a debt. If you are protected by a bankruptcy filing you may still apply for HEMAP assistance. *CONSULTE AL DORSO LA TRADUCCION DE ESTA NOTIFICACION IMPORTANTE, O LLAME AL 1.800.342.2397. BOTTOS, CHRISTOS / KONSTANTIA ACT 91 NOTICE PAGE 1Fecha: el 10 de marzo de 2020 Notificacién sobre la Ley 91* Act 91 Notice* Salve a su Hogar de la Ejecuci6n Hipotecaria La presente es una notificacién oficial sobre la Ley 91. Usted esta recibiendo esta notificacién porque la ley de Pennsylvania requiere que los prestamistas hipotecarios la envien a los propietarios de viviendas que se encuentren enfrentando una ejecucién hipotecaria. Este aviso contiene informacién legal importante acerca de sus derechos y de lo que puede hacer para salvar su hogar. ES POSIBLE QUE SEA ELEGIBLE PARA OBTENER AYUDA CON FONDOS ESTATALES del Programa de Asistencia de Emergencia Hipotecaria para Duefios de Hogares (HEMAP, por sus siglas en inglés), un programa de la Agencia de Financiamiento de Hogares de Pennsylvania (PHFA, por sus siglas en inglés). LLAME A UNA AGENCIA DE ASESORAMIENTO PARA CONCERTAR UNA REUNION. 7 LA SOLICITUD PARA EL. HEMAP PUEDE DETENER DE FORMA TEMPORARIA LA EJECUCION DE UNA HIPOTECA. Para presentar su solicitud, debe celebrar una reunién presencial con una Agencia de Asesoria Crediticia para el Consumidor aprobada porel HEMAP, antes de que transcurran 33 dias, a partir de la fecha de esta notificacién. Esta reunion es gratuita y es la unica manera de solicitar el HEMAP. Se adjunta una lista de Agencias de Asesoria aprobadas. También puede encontrar una lista en http://www.phfa.org/counseling/hemap.aspx. Si luego de hablar con una Agencia de Asesoria tiene alguna pregunta sobre el HEMAP, por favor Ilame al 1 (800) 342-2397. Las personas con discapacidades auditivas pueden llamar al 711 (RELE). Con el fin de asegurar que cumpla con el plazo, por favor Ilame a una Agencia de Asesoria y programe una reunién presencial de inmediato. Lleve esta Notificacién sobre la Ley 91, junto con el Resumen de Cuenta adjunto, a su reunién presencial. Un asesor puede: . Ayudarlo a presentar su solicitud al HEMAP y explicarle cémo funciona el programa. . Hablar con su prestamista acerca de una modificacién del préstamo u otro plan de pago. . Explicarle las opciones posibles para evitar la ejecucién de la hipoteca, como la mitigacién de pérdidas, la refinanciacién del préstamo, la venta o transferencia de su propiedad a un tercero, © que un tercero pague el atraso en su nombre, a través de una venta al descubierto o asumiendo Ia hipoteca. ° Derivarlo a otro tipo de asistencia, programa o servicio. ° Explicarle otros derechos que pueda tener, incluido su derecho de reivindicar la no existencia de la deuda y cualquier otra defensa que tenga. Incluso si no cumple con el plazo, es posible presentar su solicitud para el HEMAP, pero la solicitud tardia al HEMAP no impedira que su prestamista ejecute la hipoteca. Sin embargo, si se aprueba su solicitud, el préstamo de ayuda del HEMAP pondra su hipoteca al dia y detendré la ejecucién. El HEMAP también puede ayudarlo, de manera temporal, a realizar los pagos de hipoteca futuros. También puede optar por la alternativa de subsanar el incumplimiento para salvar a su hogar de la ejecucién hipotecaria. Eso significa pagarle a su prestamista todos los montos adeudados a la actualidad, _..incluidos los cargos moratorios, los honorarios de abogados y otros costos razonables, y cumplir con sus obligaciones hipotecarias. Puede subsanar el incumplimiento en cualquier momento, hasta una hora antes de la subasta judicial, un maximo de tres veces por cada afio calendario. Si usted ha presentado una solicitud de quiebra, esta notificacién se proporciona solo con fines informativos y no es un intento de cobrar una deuda. Usted puede solicitar la ayuda del HEMAP, incluso si esta protegido por una declaracién de quiebra. *SEE REVERSE SIDE FOR TRANSLATION OF THIS IMPORTANT NOTICE OR CALL 1.800.342.2397: =: - Bortros, CHRISTOS / KONSTANTIA ACT 91 NOTICE PAGE 2ACT 91 NOTICE Account Summary Your Loan Details: Name(s) on Account: | Christos Bottos Konstantia Bottos 312 Robinson Road 312 Robinson Road a/k/a 312 Robinson Drive a/k/a 312 Robinson Drive Broomall, PA 19008 Broomall, PA 19008 Christos Bottos Konstantia Bottos 1026 Lancaster Avenue 1026 Lancaster Avenue Berwyn, PA 19312 Berwyn, PA 19312 Address of Mortgaged Property: 312 Robinson Road a/k/a 312 Robinson Drive, Broomall, PA 19008 Account Number: es | How to Contact Your Lender: Current Lender or Servicer: Citizens One Home Loans Lender or Servicer Address: 10561 Telegraph Road Glen Allen, VA 23059 Lender or Servicer Phone Number: 877-745-7366 Contact Person: Sarah Kataraihya Phone Number: 804-486-2645 Fax Number: 888-999-5923 Email: sarah.kataraihya@citizensbank.com Default Information: Monthly Payments Missed: May 2018 — February 2020 Total Amount Past Due: Monthly Payments: 05/27/18 = $296.85 06/27/18 = $288.47 07/27/18 = $284.91 08/27/18 = $294.60 09/27/18 = $294.59 10/27/18 = $290.84 11/27/18 = $300.72 12/27/18 = $296.76 01/27/19 = $300.72 02/27/19 = $306.85 03/27/19 = $294.39 04/27/19 = $306.85 05/27/19 = $302.69 06/27/19 = $306.85 07/27/19 = $302.69 08/27/19 = $306.84 09/27/19 = $306.85 BorTros, CHRISTOS / KONSTANTIA Act 91 NOTICE PAGE310/27/19 = $296.77 11/27/19 = $294.59 12/27/19 = $284.91 01/27/20 = $288.47 02/27/20 = $288.16 Late Charges = $161.44 Total Amount Past Due = $6,696.81 *Please be aware that fees and costs may continue to accrue through the duration of the delinquency. How to Cure the Default: Within 30 Days of the Date on | Pay $6,696.81, plus any payment and other charges that have This Notice: | become due to your lender or servicer by cash, cashier's check, certified check or other means acceptable to both parties. Send Payment and Make | Citizens One Home Loans Payable to: | C/o The Law Office of Gregory Javardian 1310 Industrial Boulevard, Suite 101 Southampton, PA 18966 To Cure “Other Default”: | N/A Is the Mortgage Assumable? | No, but please contact your Lender to discuss your options. a ae Article Numbe; U O0b4 71D ei SENDE, WSs 7 TET) 314g) 8699 04 OER tier bT 2 SE 7b? RET RECORD = RE . SERRE Sere BotrTos, CHRISTOS / KONSTANTIA Act 91 NOTICE PAGE 4HEMAP Consumer Credit Counseling Agencies DELAWARE County Report last updated: 03/04/2020 01:37 PM Affordable Housing Centers of PA 846 North Broad St Ist Floor Philadelphia, PA 19130 215-765-1221 American Credit Counseling Institute (ACCI) 6800 Market St Ist Floor Upper Darby, PA 19082 888-212-6741 Clarifi 1060 Kings Highway North Suite 315 Cherry Hill, NJ 08034 215-563-5665 Clarifi YMCA of Burlington & Camden Counties 302 Commerce Square Blvd Burlington, NJ 08016 800-989-2227 Clarifi/CCCS of Delaware Valley 1608 Walnut St 10th Floor Philadelphia, PA 19107 215-563-5665 Clarifi/CCCS of Delaware Valley 7340 Jackson St Philadelphia, PA 19136 215-563-5665 Clarifi/CCCS of Delaware Valley 1410 West Erie Ave Office #122 Philadelphia, PA 19140 215-563-5665 Diversified Community Services - Dixon House 1920 South 20th St Philadelphia, PA 19145 215-336-3511 HACE 4907 Frankford Ave Philadelphia, PA 19124 215-437-7867 American Credit Counseling Institute (ACCI 603 Swede St Norristown, PA 19401 888-212-6741 APM - Association of Puerto Ricans on the March 600 W Diamond St Philadelphia, PA 19122 215-235-6070 Clarifi 710 N Lincoln St Unit 118 Wilmington, DE 19805 215-563-5665 Clarifi 8600 West Chester Pike Suite 207 Upper Darby, PA 19086 215-563-5665 Clarifi/CCCS of Delaware Valley 770 E Market St Suite 190 West Chester, PA 19382 215-563-5665 Clarifi/CCCS of Delaware Valley 101 Greenwood Ave Suite 340 Jenkintown, PA 19046 215-563-5665 Clarifi/CCCS of Delaware Valley 100 Levittown Pkwy 2nd Floor Levittown, PA 19054 215-563-5665 HACE 167 W Allegheny Ave 2nd Floor Philadelphia, PA 19140 - 215-426-8025 Intercultural Family Services, Inc. 4225 Chestnut St Philadelphia, PA 19104 215-386-1298HEMAP Consumer Credit Counseling Agencies DELAWARE County Report last updated: 03/04/2020 01:37 PM. Media Fellowship House 302 South Jackson St Media, PA 19063 610-565-0434 Northwest Counseling Service 6521 North Broad St Philadelphia, PA 19126 215-324-7500 Phila Council For Community Advancement 1617 John F Kennedy Blvd Suite 1550 Philadelphia, PA 19103 215-567-7803 West Oak Lane CDC 2502-06 W. Cheltenham Ave Philadelphia, PA 19150 215-224-8339 (Continued...) New Kensington Community Development Corp 2515 Frankford Ave Philadelphia, PA 19125 215-427-0350 PathStone Corporation 648 Buena Vista Dr Kennett Square, PA 19348 610-925-5600 Urban League of Philadelphia 121 S Broad St 9th Floor Philadelphia, PA 19107 215-985-32201. 2. 4 NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT This is an attempt to collect a debt and any information obtained will be used for the purpose. Unless you dispute the validity of this debt, or any portion thereof, within thirty (30) days after receipt of this notice, the debt will be assumed to be valid by our offices. If you notify our offices in writing within thirty (30) days of receipt of this notice, that the debt, or any portion thereof, is disputed, our offices will provide you with verification of the debt or copy of the judgment against you, and a copy of such verification or judgment will be mailed to you by our offices. If you notify our offices in writing within thirty (30) days of receipt of this notice, our offices will provide you with the name and address of the original creditor, if different from the current creditor. IMPORTANT NOTICE TO SERVICEMEMBER AND THEIR DEPENDENTS If you are a servicemember who is, or recently was, on "active duty" or "active service", or a dependent of such a servicemember, you may be entitled to certain legal rights and protections, including protection from foreclosure or eviction, pursuant to the Servicemembers Civil Relief Act (50 USC App. $$501-596), as amended (the SCRA) and possibly, certain similar state statutes. If you believe you may be entitled to rights and protections under SCRA, please contact consumer finance customer service at 1-800-708-6680.Seiclcauies Cosran a =e Wy at ele Domestic Mail Only Broomall, PA 19008 = Certified Mail Fee g 2 Return Receipt (Hardcopy) $ 0200 . . 1.70 Return Receipt (Electronic) $ Postmark {|Certified Mail Restricted Delivery $ 0.00 Here 0.65 Postage $ a O' Total Postage and Fees $ nee Sent#Rios Bottos 312 Robinson Road a/k/a 312 Robinson Drive Reference Information Citizens v. Bottos ieee U.S. Postal Service® Domestic Mail Only Sw Gua olla) BGs O430 UUG4 CERTIFIED MAIL® RECEIPT yor} } Postmark Here Certified Mail Fee $ 3% Return Receipt (Hardcopy) = $ 9-00 F 1.70 Return Receipt (Electronic) $ wes Certified Mail Restricted Delivery $ 9.00 0.65 | Postage $ }{Total Postage and Fees $ 5-80 j f SeAtFRios Bottos 1026 Lancaster Avenue Berwyn, PA 19312 Reference Information i i ‘| } i y 1 Citizens v. Bottos i ' ! i q (Gein oe-si-s033 0548 bh (UMaine Domestic Mail ula CERTIFIED MAIL® RECEIPT ceritied Mail Fee $ °° Retum Receipt (Hardcopy) = O08 Return Receipt (Electronic) = agit Certified Mail Restricted Delivery $ 9.00 Postage $ ones Total Postage and Fees $ oe70 { Wy | WRodt one \\ Here Sept iiantia Bottos 312 Robinson Road a/k/a 312 Robinson Drive Broomall, PA 19008 Citizens y. Bottos U.S. Postal: Service® Pyle CUCU 4 Reference Information CERTIFIED MAIL® RECEIPT uses. as ae Bankes 3.55 Certified Mail Fee $ 0.00 oe Return Receipt (Hardcopy) $ nd : ; 1.70 }\ yyatO” Return Receipt (Electronic) $ 9.80 postmétk cenitied Mail Restricted Delivery $ Here“ 0.65 Postage $ 5.90 Total Postage and Fees $ Sept tRtantia Bottos 1026 Lancaster Avenue Berwyn, PA 19312 Reference Information Citizens v. Bottos