Preview
CIVIL COVER SHEET AND ENTRY OF APPEARANCE
DELAWARE COUNTY COURT OF COMMON PLEAS
1. Case Caption Court Term & No.
Caliber Home Loans, Inc. (Plaintiff)
v.
Todd Harris Thykeson a/k/a Todd H. Thykeson and Bobbi Ann Mcdowell a/k/a Bobbi A.
Mcdowell
2a. Plaintiff(s) 2b. Defendant(s)
Caliber Home Loans, Inc. Todd Harris Thykeson a/k/a Todd H. Thykeson
13801 Wireless Way 1011 Brook Avenue
Oklahoma City, OK 73134-2500 Secane, Pennsylvania 19018
Bobbi Ann Mcdowell a/k/a Bobbi A. Mcdowell
1011 Brook Avenue
Secane, Pennsylvania 19018
3a. Related Cases? Yes _X_No 3b. Case Subject to Coordination Order? Yes .X_ No
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 Caliber Home Loans, Inc., (a) plaintiff
in this action. Papers may be served at the address sent forth below.
Margaret Gairo, Esq., Christine L. Graham, Esq., Esq., Nathalie Paul, Esq., Address: 123 South Broad Street, #1400
Chelsea A. Nixon, Esq. .
Attorney for party named above (Please Print) Philadelphia, PA 19109
MG #34419, MMC #87830, CLG #309480, JIF #314675, LMM #320589, CAN Telephone: (215) 790-1010 _Fax:(215) 790-1274
#324130 E-Mail:
Attorney I.D. Number
ry.
Is/ Chaatine L. Graham 40/20/2022
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 Proceedings
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
Other. Court oF CoMMON PLEAS
ee 3
DELAWARE COUNTY
‘THIRTY -SECOND JUDICIAL DISTRICT
CourtHouse m:
MapiA, DELAWARE COUNTY, PENNSYLVANIA _— —
19063
Important Notice
Date of Service of this Notice:
(to be completed by the Sheriff's Deputy upon Service of Complaint)
Under a new Pilot Program sponsored by the Court of Common Pleas of Delaware County,
and the Sheriff of Delaware County, you may be eligible to get help with your Mortgage.
Call the Save Your Home Hotline at 800-989-2227
To be eligible for any stay, you must be the owner or an heir to a deceased owner of the
property which is the subject of the Action of Mortgage Foreclosure and you must occupy the
property which is the subject of this Action.of Mortgage Foreclosure as your principal residence.
You will discuss your mortgage foreclosure with an independent and professional Housing
Counselor who will work with you to review your finances and work with your lender to try and
resolve the mortgage foreclosure action. The Housing Counselor is available to you AT NO
CHARGE. Once you call this number, the Housing Counselor will contact the lender’s attorney
and the Court sanctioned thirty (30) day delay of the Action in Mortgage Foreclosure will go into
effect, all you have do is eall.
You can haye the Action of Mortgage Foreclosure delayed for up to thirty (30) days so that
you can participate in a conference with your Housing Counselor and submit a loan resolution
proposal to the lender and their attorney. This may assist you in saving your home from
foreclosure.
Call the Save Your Home Hotline at 800-989-2227
Make this call today to save your home. If you do not call within thirty (30) days from the
day this notice has been served on you or a member of your household by the Sheriff, you may
not be eligible for this program, but you may have other legal ways to delay the foreclosure
action.
22-101804IF YOU DECIDE TO USE THE SERVICES OF THE
HOUSING COUNSELOR MADE AVAILABLE BY THIS
PROGRAM, YOU SHOULD NOTE THAT THE SOLE
PURPOSE OF THIS PROGRAM IS TO PROVIDE
INFORMATION AND ASSISTANCE IN YOUR DESIRE
TO MAKE ARRANGEMENTS WITH YOUR LENDER
FOR THE MUTUAL RESOLUTION OF YOUR
INDEBTEDNESS. THIS IS A PUBLIC SERVICE
PROGRAM AND IS NOT IN ANY WAY A PROGRAM TO
PROVIDE YOU WITH LEGAL ADVICE OR LEGAL
SERVICES OF ANY KIND. NEITHER THE HOUSING
COUNSELOR NOR ANY PERSON OR ENTITY
ASSOCIATED WITH THE PROGRAM IS PROVIDING
OR WILL PROVIDE YOU WITH ANY INFORMATION
OR ADVICE CONCERNING ANY LEGAL REMEDIES,
LEGAL PROCEDURES, OBJECTIONS OR DEFENSES
TO THE CLAIM AGAINST YOU. THE PROGRAM AND
ANY PERSON OR ENTITY ASSOCIATED WITH IT
DOES NOT AND WILL NOT PROVIDE YOU WITH ANY
ATTORNEY OR LEGAL REPRESENTATION OF ANY
KIND.
22-101804NOTICE
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
Thykeson 22-101804
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 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
continuar la demanda en contra sta 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 AO
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 SMcCABE, 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
NATHALIE PAUL, ESQUIRE — ID # 309118
123 South Broad Street, Suite 1400
Philadelphia, PA 19109
(215) 790-1010
Caliber Home Loans, Inc.,
c/o Shellpoint Mortgage Servicing
75 Beattie Place, Suite 200
Greenville, SC 29601
Attorneys for Plaintiff
Delaware County
Court of CommomPleas
. Number:
Plaintiff,
v.
Todd Harris Thykeson a/k/a Todd H.
Thykeson
1011 Brook Avenue
Secane, PA 19018,
and
Bobbi Ann McDowell a/k/a Bobbi
A. McDowell
1011 Brook Avenue
Secane, PA 19018,
Defendants.
COMPLAINT IN MORTGAGE FORECLOSURE
1. Plaintiff is Caliber Home Loans, Inc., duly organized and doing business at the
above-captioned address.
2. The Defendant is Todd Harris Thykeson a/k/a Todd H. Thykeson, who is amortgagor
Thykeson 22-101804 Complaint in Mortgage Foreclosure Page 2 of 5and real owner of the mortgaged property hereinafter described, and his/her last-known address is
1011 Brook Avenue, Secane, PA 19018.
3. The Defendant is Bobbi Ann McDowell a/k/a Bobbi A. McDowell, who is a
mortgagor and real owner of the mortgaged property hereinafter described, and his/her last-known
address is 1011 Brook Avenue, Secane, PA 19018.
4, On April 24, 2019, Todd Harris Thykeson a/k/a Todd H. Thykeson and Bobbi Ann
McDowell a/k/a Bobbi A. McDowell, made, executed and delivered a Mortgage upon the premises
hereinafter described to Mortgage Electronic Registration Systems, Inc., as nominee for Mortgage
Research Center, LLC dba Veterans United Home Loans which Mortgage is recordéd in the Office
of the Recorder of Delaware County as Instrument Number 2019020165 (“the Mortgage”), the
Mortgage is incorporated herein by reference pursuant to Pa.R.C.P. 1019(g).
5. On April 24, 2019, Todd Harris Thykeson a/k/a Todd H. Thykeson and Bobbi Ann
McDowell a/k/a Bobbi A. McDowell, also executed a promissory note secured by the Mortgage (“the
Note”). Plaintiff, directly orthrough 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. On May 13, 2022, the Mortgage was assigned by Mortgage Electronic Registration
Systems, Inc., as mortgagee, as nominee for Mortgage Research Center, LLC d/b/a Veterans United
Home Loans, its successors and assigns to Caliber Home Loans, Inc., by assignment of mortgage,
recorded in the Office of the Recorder of Delaware County as Instrument Number 2022030043, said
assignment of mortgage is incorporated herein by reference pursuant to Pa.R.C.P. 1019(g).
7. The premises subject to the Mortgage is described in the legal description attached as
Exhibit “A” and is known as 1011 Brook Avenue, Secane, PA 19018.
8. The Mortgage is in default because monthly payments of principal and interest upon the
Thykeson 22-101804 Complaint in Mortgage Foreclosure Page 3 of SMortgage due July 1, 2020 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.
9. The following amounts are due on the Mortgage:
Principal Balance $ 211,478.26
Interest through September 11, 2022 $ 23,507.21
(Plus $28.25 per diem thereafter)
Late Charges $ 728.16
Escrow Advance $ 17,661.95
Title Fees $ 325.00
Property Inspections $ 180.00
GRAND TOTAL $ 253,880.58
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.
10. 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
$253,880.58, 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.
Date: __ 10/20/2022 McCABE, WEISBERG & CONWAY, LLC
py. /S! Chrettine L.
{ ] Margaret Gairo, Esq. ] Marisa Myers Cohen, Esq.
[x] Christine L. Graham, Esq. [ ] Andrew M. Lubin, Esq.
{. ] Nathalie Paul, Esq.
{ ] Chelsea A. Nixon, Esq.
Attorneys for Plaintiff
Thykeson 22-101804 Complaint in Mortgage Foreclosure Page 4 of 5VERIFICATION
Monica Zarty ; hereby states that he/she is _Foreclosure Specialist I
of Caliber Home Loans, Inc., 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.
CS. Sec. 4904 relating to unsworn falsification to authorities.
Caliber Home Loans, Inc.
DATE: 10/14/2022 YI
Name: Monica Z: )
Title: Foreclosure Specialist I
File #: 22-101804
Name: Caliber Home Loans, Inc. v. Todd Harris Thykeson a/k/a Todd H. Thykeson and Bobbi
Ann McDowell a/k/a Bobbi A. McDowell
Thykeson 22-101804 Complaint in Mortgage Foreclosure Page 5 ofSExhibit “A”
Legal Description
Loan Number: 400219101892260
Date: 04/24/2019
Property Address: 1011 Brook Ave
Secane, PA 19018
Exhibit “A”
Legal Description
ALL THAT CERTAIN lot or piece of ground with the buildings and Improvements thereon erected, situate in the
Upper Darby Township County of Delaware and Commonwealth of Pennsylvania, described according to a Survey
and Plan made by Damon and Foster, Civil Engineers, Sharon Hill, Pennsylvania, on February 5, 1953 revised
March 9, 1953 as follows, to wit:
BEGINNING at a point on the Northwest side of Brook Avenue, which point is measured on the arc of a circle
curving lo the right having a radius of 150 feet the arcdistance:of 42.57 feet from a point, which point is measured
South 64 degrees, 37 minutes, 20 seconds West 204.79 feet from a point which point is measured on the arc of a
circle curving to the right hiving a radius of 2 feet the arc distance of 39.23 feet from a point on the Southwest
side of Prospect Avenue (45 fect wide); thence extending along the Northwest side of Brook Avenue along the are
of a circle curving to the right having a radius of 150 feet the arc distance of 61.60 feel to a point; extending North
25 degrees, 22 minutes, 40 seconds West partly passing through the bed of a certain driveway which extends
Southeast into Brook Avenue, 119.70 feat toa point; thence extending South 25 degrees, 22 minutes, 40 seconds
East 148.34 feet to’a point on the Northwest side of Brook Avenue, the first mentioned point and place of
beginning.
TOGETHER with the free and Common use, tight, Liberty and Privilege of the aforesaid driveway as and for a
driveway, passageway and watercourse in common with the owners, tenants and occupiers of the other lots of
ground bounding thereon and entitled to the use thereof at all times hereafter, forever. Subject, however, to the
proportionate part of the expense of keeping said driveway in good order and repair.
BEING Lot No. 13 on said plan.
BEING Parcel# 16-13-01067-00
A.P.N #:TAX ID 16-13-01067-00Caliber Home Loans, Inc.
PO Box 9081
Temecula, CA 92589-9081
Send Payments to:
Caliber Homa Loans, Inc.
P.O, Box 650856
Dallas, TX 75265-0856
‘Send Correspondence to:
Caliber Home Loans, Inc.
P.O. Box 24610
Oklahoma City, OK 73124
EXHIBIT "B"
TDM eee Tet petty pep
TODD HARRIS THYKESON
1011 BROOK AVE
SECANE, PA 19018-3615.
PRESORT
Firat-Ciase Mall
U.S, Postage and
Fees Paid
wso
W_PA_ACTS1Date: 01/27/2022
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. Keep this entire Act 91 Notice, including the attached Account
Summary, and have it available for your face-to-face meeting, whether done in person or remotely.
A counselor can:
© Help you apply for HEMAP and explain how the program works.
e 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,
e 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
i LLAME AL 1.800.342.2397.
AcT91 Notice PAGE 1 ee |Fecha: 01/27/2022
Notificaci6én sobre la Ley 91**
Act 91 Notice**
Salve a su Hogar de la Ejecucién Hipotecaria
La presente es una notificacin official sobre la Ley 91. Usted esté recibiendo esta notificacién
porque la ley de Pennsylvania requiere que los prestamistas hipotecarios la envien a los propietarios
de viviendas que se encuentren enftentando 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.
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 por el HEMAP, antes de que transcurran 33 dias, aypartir de
la fecha de esta notificacién. Esta reunién es gratuita y es la Wnica 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 llame 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 llame a una Agencia de Asesoria y
programe una reunion presencial de inmediato, Conserve esta Notificacién sobre la Ley 91, con el
Resumen de Cuenta adjunto, y téngalo disponible para a su reunion presencial, ya sea en persona o de
forma remota. Un asesor puede:
e Ayudarlo a presentar su solicitud al HEMAP y explicarle cémo funciona el programa.
e Hablar con su prestamista acerca de una modificaci6n del préstamo u otro plan de pago.
e Explicarle las opciones posibles para evitar la ejecucion de la hipoteca, como Ia mitigacién de
pérdidas, la refinanciacién del préstamo, ia 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 la 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 impedir4 que su prestamista ejecute la hipoteca. Sin embargo, si se
aprueba su solicitud, el préstamo de ayuda del HEMAP pondrd su hipoteca al dia y detendrd 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 m4ximo de tres veces por cada afio calendario.
Si usted ha presentado una solicitud de quiebra, esta notificacion 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.
ACT 91 NOTICE PAGE 2ACT 91 NOTICE
Account Summary
Your Loan Details:
Name(s) on Account: |TODD HARRIS THYKESON
BOBBI ANN MCDOWELL
Address of Mortgaged Property: | 1011 BROOK AVE
SECANE, PA 19018-3615
Account Number: estan
How to Contact Your Lender:
Current Lender or Servicer: | Caliber Home Loans, Inc.
Lender or Servicer Address: | 13801 Wireless Way Oklahoma City, OK, 73134
Lender or Servicer Phone | (800) 621-1437
Number: | (800) 735-2989 (TDD)
Contact Person: | SPOC DEPARTMENT
Phone Number: | (800) 621-1437
Fax Number: | (405) 608-2003
Email: | calibermods@caliberhomeloans.com
ial AcT 91 Notice PAGE 3 rho SeesDefault Information:
Monthly Payments Missed: | 05/2020, 06/2020, 07/2020, 08/2020, 09/2020, 10/2020, 11/2020, 12/2020,
01/2021, 02/2021, 03/2021, 04/2021, 05/2021, 06/2021, 07/2021, 08/2021,
09/2021, 10/2021, 11/2021, 12/2021, and 01/2022
Total Amount Past Due: | Total Monthly Payments Due: $38,982.19 |
Late Charges: $500.61
Corporate Advance Balance: $105.00
Unapplied Balance: $(277.78)
*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 $39,310.02, 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 | Caliber Home Loans, Inc.
Payable to: | PO Box 650856
Dallas, TX 75265-0856
To Cure “Other Default”: | Not Applicable
e——_ Se
Is the Mortgage Assumable? | No.
Act 91 Notice PAGE 4 eePage 5 of 6
HEMAP Consumer Credit Counseling Agencies
DELAWARE County
Report last updeted: 0603/2021 11:18 AM.
Affordable Housing Centers of PA.
846 North Broad St
Ist Floor
Philadelphia, PA 19130
215-765-1221
American Credit Counseling Institute (ACCT)
6800 Market St
Ist Floor
Upper Darby, PA 19082
888-212-6741
Clarif
1060 Kings Highway North
Suite 315
Cherry Hill, NJ 08034
215-563-5665
Clarifi
YMCA of Burlington & Camden Counties
302 Commerce Square Bivd
Burlington, NJ 08016
800-989-2227
Clarlf/CCCS of Delaware Valley
1608 Walnat 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 - Assoclation of Puerto Ricans on the March
600 W. Diamond St
Philadelphia, PA 19122
215-235-6070
Clarif
710 N Lincoln St
Unit 118
Wilmington. DE 19805
215-563-5665
Clarifi
3600 West Chester, Pike
Suite 207
Upper Darby, PA. 19086
215-563-5665
Clarlf/CCCS of Delaware Valley
710 E Market St
Suite190
West Chester, PA 19382
215-563-5665
ClarifiiCCCS of Delaware Valley
101 Greenwood Ave
Suite 340
Jenkintown, PA. (9046
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
215-386-1298
hitps:/Awww.phfa.org/forms/counsaling_agencies/hemap_agencies/nemap_delaware.pdf
ze W_PA_ACT91 Rev. 09/2021
VCP67HEMAP Consumer Credit Counseling Agencies
DELAWARE County
Report ast updo: 06/03/2021 11:18AM
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 (550
Philadelphia, PA 19103
215-567-7803
‘West Oak Lane CDC
2502-06 W. Cheltenham Ave
Philadelphia, PA 19150
215-224-8339
hitps:thwww phta.orgfforma/counseling_agencies/hemap_agencies/hemap_delaware pat
W_PA_ACT91 Rev. 09/2021
Page 6 of 6
(Continued...)
New Kensington Community Development Corp
2771 Ruth St
Stel
Philadelphia, PA. 19134
215-427-0350
PathStone Corporation
648 Buena Vista Dr
Kennett Square, PA 19348
610-925-5600
‘Urban League of Philadelphia
121 $ Broad St
9th Floor
Philadelphia, PA 19107
215-985-3220
VGP67Callber Home Loans, Inc.
PO Box 9081
Temecula, CA 92589-9081
Send Payments to:
Callber Homa Loans, Inc.
P.O. Box 660856
Dallas, TX 75265-0856
‘Send Correspondence to:
Callber Home Loans, Inc.
P.O, Box 24610
Oklahoma Clty, OK 73124
PRESORT
First-Class Mail
U.S, Postage and
Fees Paid
wso
eledeaag fof AU Lengel YLT TL
BOBBI ANN MCDOWELL
1011 BROOK AVE
SECANE, PA 19018-3615
W_PA_ACTo1Date: 01/27/2022
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. Keep this entire Act 91 Notice, including the attached Account
Summary, and have it available for your face-to-face meeting, whether done in person or remotely.
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,
Act91 Notice PAGE 1 Le erieFecha: 01/27/2022
Notificaci6én sobre la Ley 91**
Act 91 Notice**
Salve a su Hogar de la Ejecucién Hipotecaria
La presente es una notificacién official sobre la Ley 91. Usted estd recibiendo esta notificacion
porque la ley de Pehnsylvania 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 Ja Agencia de Financiamiento de Hogares de Pennsylvania (PHFA,
por sus siglas en inglés).
LLAME A UNA AGENCIA DE ASESORAMIENTO PARA CONCERTAR UNA REUNION.
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 por el HEMAP, antes de que transcurran 33.dfas, aypartir de
la fecha de esta notificacion. Esta reunién 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 llame 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 ame a una Agencia de Asesoria y
programe una reunién presencial de inmediato. Conserve esta Notificacién sobre la Ley 91, con el
Resumen de Cuenta adjunto, y téngalo disponible para a su reunién presencial, ya sea en persona o de
forma remota. Un asesor puede:
e Ayudarlo a presentar su solicitud al HEMAP y explicarle cémo funciona el programa.
e Hablar con su prestamista acerca de una modificacién del préstamo u otro plan de pago.
e 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 la hipoteca.
© Derivarlo a otro tipo de asistencia, programa 0 servicio.
e 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 impedird que su prestamista ejecute la hipoteca. Sin embargo, si se
aprueba su solicitud, el préstamo de ayuda del HEMAP pondrd su hipoteca al dia y detendra la
ejecucién. El HEMAP también puede ayudarlo, de manera temporal, a realizar los pagos de hipoteca
futuros.
También puede optar por fa 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.
AcT 91 NOTICE PAGE 2Your Loan Details:
ACT 91 NOTICE
Account Summary
Name(s) on Account:
TODD HARRIS THYKESON
BOBBI ANN MCDOWELL
Address of Mortgaged Property:
1011 BROOK AVE
SECANE, PA 19018-3615
Account Number: ae
How to Contact Your L
ender:
Current Lender or Servicer:
Lender or Servicer Address:
Caliber Home Loans, Inc.
13801 Wireless Way Oklahoma City, OK, 73134
Lender or Servicer Phone
Number:
(800) 621-1437
(800) 735-2989 (TDD)
Contact Person:
SPOC DEPARTMENT
Phone Number:
(800) 621-1437
Fax Number:
Email:
(405) 608-2003
calibermods@caliberhomeloans.com.
AcT91 NOTICE
PAGE 3Default Information:
Monthly Payments Missed: | 05/2020, 06/2020, 07/2020, 08/2020, 09/2020, 10/2020, 11/2020, 12/2020,
01/2021, 02/2021, 03/2021, 04/2021, 05/2021, 06/2021, 07/2021, 08/2021,
09/2021, 10/2021, 11/2021, 12/2021, and 01/2022
Total Amount Past Due:
Total Monthly Payments Due: $38,982.19
Late Charges: $500.61
Corporate Advance Balance: $105.00
Unapplied Balance: $(277.78)
*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 $39,310.02, plus any payment and other charges that/have
This Notice: | become due to your lender or servicer by cash, cashier's check,
Send Payment and Make | Caliber Home Loans, Inc.
Payable to: | PO Box 650856
To Cure “Other Default”: | Not Applicable
—_——[}—$—$?$P
Is the Mortgage Assumable? | No.
certified check or other means acceptable to both parties.
Dallas, TX 75265-0856
AcT 91 Notice
PAGE 4 Rae,Page 5 of 6
HEMAP Consumer Credit Counseling Agencies
DELAWARE County
Report last updated: 06/03/2021 11:18 AM.
Affordable Housing Centers of PA
846 North Broad St
Ist Floor
Philadelphia, PA 19130
215-765-1221
American Credit Counseling Institute (ACCT)
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 Bivd
Burlington, NI. 08016
800-989-2227
Clarifi/CCCS of Delaware Valley
1608 Walnat St
10th Floor
Philadelphia, PA 19107
215-563-5665
Clarif/CCCS of Delaware Valley
7340 Jackson St
Philadelphia, PA 19136
215-563-5665
ClaritivCCCS of Delaware Valley
1410 West Erie Ave
Office #122
Philadelphia, PA 19140
215-563-5665
Diversifled 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 (ACI)
603 Swede St
Nortistown, PA 19401
888-212-6741
APM - Association of Puerto Ricans on the March
600 W Diamond St
Philadelphia, PA 19122
215-235-6070
Clarif
71Q.N Lincoln St
Unit 118
Wilmington. DE 1980S
215-563-5665
Clarifi
8600 West Chester. Pike
Suite 207
Upper Darby, PA 19086
215-363-5665
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 (9046
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 [9104
215-386-1298
https:/Awww phfa.orgfforms/counseling_agencies/nemap_agencies/nemap_delaware pf
a W_PA_ACT91 Rev. 09/202
VCP67W_PA_ACT91
Page 6 of 6
HEMAP Consumer Credit Counseling Agencies
DELAWARE County
Report last updated: 06/03/2021 1 1:18 AM.
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 Ouk Lane CDC
2502-06 W.. Cheltenham Ave
Philadelphia, PA 19150
215-224-8339
(Continued...)
New. Kensington Community Development Corp
2771 Ruth St
Stel
Philadelphia, PA..19134
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
215-985-3220
hitps:/twww.phta.org/forms/counsaling_agenciesMemap_agenciesemap_deleware.pdf
Rev. 09/2021
VGP67
OFFICE OF JUDICIAL SUPPORT
DELAWARE COUNTY, PA
Preview
CIVIL COVER SHEET AND ENTRY OF APPEARANCE DELAWARE COUNTY COURT OF COMMON PLEAS 1. Case Caption Court Term & No. Caliber Home Loans, Inc. (Plaintiff) v. Todd Harris Thykeson a/k/a Todd H. Thykeson and Bobbi Ann Mcdowell a/k/a Bobbi A. Mcdowell 2a. Plaintiff(s) 2b. Defendant(s) Caliber Home Loans, Inc. Todd Harris Thykeson a/k/a Todd H. Thykeson 13801 Wireless Way 1011 Brook Avenue Oklahoma City, OK 73134-2500 Secane, Pennsylvania 19018 Bobbi Ann Mcdowell a/k/a Bobbi A. Mcdowell 1011 Brook Avenue Secane, Pennsylvania 19018 3a. Related Cases? Yes _X_No 3b. Case Subject to Coordination Order? Yes .X_ No 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 Caliber Home Loans, Inc., (a) plaintiff in this action. Papers may be served at the address sent forth below. Margaret Gairo, Esq., Christine L. Graham, Esq., Esq., Nathalie Paul, Esq., Address: 123 South Broad Street, #1400 Chelsea A. Nixon, Esq. . Attorney for party named above (Please Print) Philadelphia, PA 19109 MG #34419, MMC #87830, CLG #309480, JIF #314675, LMM #320589, CAN Telephone: (215) 790-1010 _Fax:(215) 790-1274 #324130 E-Mail: Attorney I.D. Number ry. Is/ Chaatine L. Graham 40/20/2022 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 Proceedings 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 Other. Court oF CoMMON PLEAS ee 3 DELAWARE COUNTY ‘THIRTY -SECOND JUDICIAL DISTRICT CourtHouse m: MapiA, DELAWARE COUNTY, PENNSYLVANIA _— — 19063 Important Notice Date of Service of this Notice: (to be completed by the Sheriff's Deputy upon Service of Complaint) Under a new Pilot Program sponsored by the Court of Common Pleas of Delaware County, and the Sheriff of Delaware County, you may be eligible to get help with your Mortgage. Call the Save Your Home Hotline at 800-989-2227 To be eligible for any stay, you must be the owner or an heir to a deceased owner of the property which is the subject of the Action of Mortgage Foreclosure and you must occupy the property which is the subject of this Action.of Mortgage Foreclosure as your principal residence. You will discuss your mortgage foreclosure with an independent and professional Housing Counselor who will work with you to review your finances and work with your lender to try and resolve the mortgage foreclosure action. The Housing Counselor is available to you AT NO CHARGE. Once you call this number, the Housing Counselor will contact the lender’s attorney and the Court sanctioned thirty (30) day delay of the Action in Mortgage Foreclosure will go into effect, all you have do is eall. You can haye the Action of Mortgage Foreclosure delayed for up to thirty (30) days so that you can participate in a conference with your Housing Counselor and submit a loan resolution proposal to the lender and their attorney. This may assist you in saving your home from foreclosure. Call the Save Your Home Hotline at 800-989-2227 Make this call today to save your home. If you do not call within thirty (30) days from the day this notice has been served on you or a member of your household by the Sheriff, you may not be eligible for this program, but you may have other legal ways to delay the foreclosure action. 22-101804IF YOU DECIDE TO USE THE SERVICES OF THE HOUSING COUNSELOR MADE AVAILABLE BY THIS PROGRAM, YOU SHOULD NOTE THAT THE SOLE PURPOSE OF THIS PROGRAM IS TO PROVIDE INFORMATION AND ASSISTANCE IN YOUR DESIRE TO MAKE ARRANGEMENTS WITH YOUR LENDER FOR THE MUTUAL RESOLUTION OF YOUR INDEBTEDNESS. THIS IS A PUBLIC SERVICE PROGRAM AND IS NOT IN ANY WAY A PROGRAM TO PROVIDE YOU WITH LEGAL ADVICE OR LEGAL SERVICES OF ANY KIND. NEITHER THE HOUSING COUNSELOR NOR ANY PERSON OR ENTITY ASSOCIATED WITH THE PROGRAM IS PROVIDING OR WILL PROVIDE YOU WITH ANY INFORMATION OR ADVICE CONCERNING ANY LEGAL REMEDIES, LEGAL PROCEDURES, OBJECTIONS OR DEFENSES TO THE CLAIM AGAINST YOU. THE PROGRAM AND ANY PERSON OR ENTITY ASSOCIATED WITH IT DOES NOT AND WILL NOT PROVIDE YOU WITH ANY ATTORNEY OR LEGAL REPRESENTATION OF ANY KIND. 22-101804NOTICE 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 Thykeson 22-101804 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 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 continuar la demanda en contra sta 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 AO 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 SMcCABE, 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 NATHALIE PAUL, ESQUIRE — ID # 309118 123 South Broad Street, Suite 1400 Philadelphia, PA 19109 (215) 790-1010 Caliber Home Loans, Inc., c/o Shellpoint Mortgage Servicing 75 Beattie Place, Suite 200 Greenville, SC 29601 Attorneys for Plaintiff Delaware County Court of CommomPleas . Number: Plaintiff, v. Todd Harris Thykeson a/k/a Todd H. Thykeson 1011 Brook Avenue Secane, PA 19018, and Bobbi Ann McDowell a/k/a Bobbi A. McDowell 1011 Brook Avenue Secane, PA 19018, Defendants. COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is Caliber Home Loans, Inc., duly organized and doing business at the above-captioned address. 2. The Defendant is Todd Harris Thykeson a/k/a Todd H. Thykeson, who is amortgagor Thykeson 22-101804 Complaint in Mortgage Foreclosure Page 2 of 5and real owner of the mortgaged property hereinafter described, and his/her last-known address is 1011 Brook Avenue, Secane, PA 19018. 3. The Defendant is Bobbi Ann McDowell a/k/a Bobbi A. McDowell, who is a mortgagor and real owner of the mortgaged property hereinafter described, and his/her last-known address is 1011 Brook Avenue, Secane, PA 19018. 4, On April 24, 2019, Todd Harris Thykeson a/k/a Todd H. Thykeson and Bobbi Ann McDowell a/k/a Bobbi A. McDowell, made, executed and delivered a Mortgage upon the premises hereinafter described to Mortgage Electronic Registration Systems, Inc., as nominee for Mortgage Research Center, LLC dba Veterans United Home Loans which Mortgage is recordéd in the Office of the Recorder of Delaware County as Instrument Number 2019020165 (“the Mortgage”), the Mortgage is incorporated herein by reference pursuant to Pa.R.C.P. 1019(g). 5. On April 24, 2019, Todd Harris Thykeson a/k/a Todd H. Thykeson and Bobbi Ann McDowell a/k/a Bobbi A. McDowell, also executed a promissory note secured by the Mortgage (“the Note”). Plaintiff, directly orthrough 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. On May 13, 2022, the Mortgage was assigned by Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for Mortgage Research Center, LLC d/b/a Veterans United Home Loans, its successors and assigns to Caliber Home Loans, Inc., by assignment of mortgage, recorded in the Office of the Recorder of Delaware County as Instrument Number 2022030043, said assignment of mortgage is incorporated herein by reference pursuant to Pa.R.C.P. 1019(g). 7. The premises subject to the Mortgage is described in the legal description attached as Exhibit “A” and is known as 1011 Brook Avenue, Secane, PA 19018. 8. The Mortgage is in default because monthly payments of principal and interest upon the Thykeson 22-101804 Complaint in Mortgage Foreclosure Page 3 of SMortgage due July 1, 2020 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. 9. The following amounts are due on the Mortgage: Principal Balance $ 211,478.26 Interest through September 11, 2022 $ 23,507.21 (Plus $28.25 per diem thereafter) Late Charges $ 728.16 Escrow Advance $ 17,661.95 Title Fees $ 325.00 Property Inspections $ 180.00 GRAND TOTAL $ 253,880.58 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. 10. 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 $253,880.58, 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. Date: __ 10/20/2022 McCABE, WEISBERG & CONWAY, LLC py. /S! Chrettine L. { ] Margaret Gairo, Esq. ] Marisa Myers Cohen, Esq. [x] Christine L. Graham, Esq. [ ] Andrew M. Lubin, Esq. {. ] Nathalie Paul, Esq. { ] Chelsea A. Nixon, Esq. Attorneys for Plaintiff Thykeson 22-101804 Complaint in Mortgage Foreclosure Page 4 of 5VERIFICATION Monica Zarty ; hereby states that he/she is _Foreclosure Specialist I of Caliber Home Loans, Inc., 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. CS. Sec. 4904 relating to unsworn falsification to authorities. Caliber Home Loans, Inc. DATE: 10/14/2022 YI Name: Monica Z: ) Title: Foreclosure Specialist I File #: 22-101804 Name: Caliber Home Loans, Inc. v. Todd Harris Thykeson a/k/a Todd H. Thykeson and Bobbi Ann McDowell a/k/a Bobbi A. McDowell Thykeson 22-101804 Complaint in Mortgage Foreclosure Page 5 ofSExhibit “A” Legal Description Loan Number: 400219101892260 Date: 04/24/2019 Property Address: 1011 Brook Ave Secane, PA 19018 Exhibit “A” Legal Description ALL THAT CERTAIN lot or piece of ground with the buildings and Improvements thereon erected, situate in the Upper Darby Township County of Delaware and Commonwealth of Pennsylvania, described according to a Survey and Plan made by Damon and Foster, Civil Engineers, Sharon Hill, Pennsylvania, on February 5, 1953 revised March 9, 1953 as follows, to wit: BEGINNING at a point on the Northwest side of Brook Avenue, which point is measured on the arc of a circle curving lo the right having a radius of 150 feet the arcdistance:of 42.57 feet from a point, which point is measured South 64 degrees, 37 minutes, 20 seconds West 204.79 feet from a point which point is measured on the arc of a circle curving to the right hiving a radius of 2 feet the arc distance of 39.23 feet from a point on the Southwest side of Prospect Avenue (45 fect wide); thence extending along the Northwest side of Brook Avenue along the are of a circle curving to the right having a radius of 150 feet the arc distance of 61.60 feel to a point; extending North 25 degrees, 22 minutes, 40 seconds West partly passing through the bed of a certain driveway which extends Southeast into Brook Avenue, 119.70 feat toa point; thence extending South 25 degrees, 22 minutes, 40 seconds East 148.34 feet to’a point on the Northwest side of Brook Avenue, the first mentioned point and place of beginning. TOGETHER with the free and Common use, tight, Liberty and Privilege of the aforesaid driveway as and for a driveway, passageway and watercourse in common with the owners, tenants and occupiers of the other lots of ground bounding thereon and entitled to the use thereof at all times hereafter, forever. Subject, however, to the proportionate part of the expense of keeping said driveway in good order and repair. BEING Lot No. 13 on said plan. BEING Parcel# 16-13-01067-00 A.P.N #:TAX ID 16-13-01067-00Caliber Home Loans, Inc. PO Box 9081 Temecula, CA 92589-9081 Send Payments to: Caliber Homa Loans, Inc. P.O, Box 650856 Dallas, TX 75265-0856 ‘Send Correspondence to: Caliber Home Loans, Inc. P.O. Box 24610 Oklahoma City, OK 73124 EXHIBIT "B" TDM eee Tet petty pep TODD HARRIS THYKESON 1011 BROOK AVE SECANE, PA 19018-3615. PRESORT Firat-Ciase Mall U.S, Postage and Fees Paid wso W_PA_ACTS1Date: 01/27/2022 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. Keep this entire Act 91 Notice, including the attached Account Summary, and have it available for your face-to-face meeting, whether done in person or remotely. A counselor can: © Help you apply for HEMAP and explain how the program works. e 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, e 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 i LLAME AL 1.800.342.2397. AcT91 Notice PAGE 1 ee |Fecha: 01/27/2022 Notificaci6én sobre la Ley 91** Act 91 Notice** Salve a su Hogar de la Ejecucién Hipotecaria La presente es una notificacin official sobre la Ley 91. Usted esté recibiendo esta notificacién porque la ley de Pennsylvania requiere que los prestamistas hipotecarios la envien a los propietarios de viviendas que se encuentren enftentando 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. 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 por el HEMAP, antes de que transcurran 33 dias, aypartir de la fecha de esta notificacién. Esta reunién es gratuita y es la Wnica 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 llame 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 llame a una Agencia de Asesoria y programe una reunion presencial de inmediato, Conserve esta Notificacién sobre la Ley 91, con el Resumen de Cuenta adjunto, y téngalo disponible para a su reunion presencial, ya sea en persona o de forma remota. Un asesor puede: e Ayudarlo a presentar su solicitud al HEMAP y explicarle cémo funciona el programa. e Hablar con su prestamista acerca de una modificaci6n del préstamo u otro plan de pago. e Explicarle las opciones posibles para evitar la ejecucion de la hipoteca, como Ia mitigacién de pérdidas, la refinanciacién del préstamo, ia 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 la 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 impedir4 que su prestamista ejecute la hipoteca. Sin embargo, si se aprueba su solicitud, el préstamo de ayuda del HEMAP pondrd su hipoteca al dia y detendrd 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 m4ximo de tres veces por cada afio calendario. Si usted ha presentado una solicitud de quiebra, esta notificacion 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. ACT 91 NOTICE PAGE 2ACT 91 NOTICE Account Summary Your Loan Details: Name(s) on Account: |TODD HARRIS THYKESON BOBBI ANN MCDOWELL Address of Mortgaged Property: | 1011 BROOK AVE SECANE, PA 19018-3615 Account Number: estan How to Contact Your Lender: Current Lender or Servicer: | Caliber Home Loans, Inc. Lender or Servicer Address: | 13801 Wireless Way Oklahoma City, OK, 73134 Lender or Servicer Phone | (800) 621-1437 Number: | (800) 735-2989 (TDD) Contact Person: | SPOC DEPARTMENT Phone Number: | (800) 621-1437 Fax Number: | (405) 608-2003 Email: | calibermods@caliberhomeloans.com ial AcT 91 Notice PAGE 3 rho SeesDefault Information: Monthly Payments Missed: | 05/2020, 06/2020, 07/2020, 08/2020, 09/2020, 10/2020, 11/2020, 12/2020, 01/2021, 02/2021, 03/2021, 04/2021, 05/2021, 06/2021, 07/2021, 08/2021, 09/2021, 10/2021, 11/2021, 12/2021, and 01/2022 Total Amount Past Due: | Total Monthly Payments Due: $38,982.19 | Late Charges: $500.61 Corporate Advance Balance: $105.00 Unapplied Balance: $(277.78) *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 $39,310.02, 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 | Caliber Home Loans, Inc. Payable to: | PO Box 650856 Dallas, TX 75265-0856 To Cure “Other Default”: | Not Applicable e——_ Se Is the Mortgage Assumable? | No. Act 91 Notice PAGE 4 eePage 5 of 6 HEMAP Consumer Credit Counseling Agencies DELAWARE County Report last updeted: 0603/2021 11:18 AM. Affordable Housing Centers of PA. 846 North Broad St Ist Floor Philadelphia, PA 19130 215-765-1221 American Credit Counseling Institute (ACCT) 6800 Market St Ist Floor Upper Darby, PA 19082 888-212-6741 Clarif 1060 Kings Highway North Suite 315 Cherry Hill, NJ 08034 215-563-5665 Clarifi YMCA of Burlington & Camden Counties 302 Commerce Square Bivd Burlington, NJ 08016 800-989-2227 Clarlf/CCCS of Delaware Valley 1608 Walnat 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 - Assoclation of Puerto Ricans on the March 600 W. Diamond St Philadelphia, PA 19122 215-235-6070 Clarif 710 N Lincoln St Unit 118 Wilmington. DE 19805 215-563-5665 Clarifi 3600 West Chester, Pike Suite 207 Upper Darby, PA. 19086 215-563-5665 Clarlf/CCCS of Delaware Valley 710 E Market St Suite190 West Chester, PA 19382 215-563-5665 ClarifiiCCCS of Delaware Valley 101 Greenwood Ave Suite 340 Jenkintown, PA. (9046 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 215-386-1298 hitps:/Awww.phfa.org/forms/counsaling_agencies/hemap_agencies/nemap_delaware.pdf ze W_PA_ACT91 Rev. 09/2021 VCP67HEMAP Consumer Credit Counseling Agencies DELAWARE County Report ast updo: 06/03/2021 11:18AM 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 (550 Philadelphia, PA 19103 215-567-7803 ‘West Oak Lane CDC 2502-06 W. Cheltenham Ave Philadelphia, PA 19150 215-224-8339 hitps:thwww phta.orgfforma/counseling_agencies/hemap_agencies/hemap_delaware pat W_PA_ACT91 Rev. 09/2021 Page 6 of 6 (Continued...) New Kensington Community Development Corp 2771 Ruth St Stel Philadelphia, PA. 19134 215-427-0350 PathStone Corporation 648 Buena Vista Dr Kennett Square, PA 19348 610-925-5600 ‘Urban League of Philadelphia 121 $ Broad St 9th Floor Philadelphia, PA 19107 215-985-3220 VGP67Callber Home Loans, Inc. PO Box 9081 Temecula, CA 92589-9081 Send Payments to: Callber Homa Loans, Inc. P.O. Box 660856 Dallas, TX 75265-0856 ‘Send Correspondence to: Callber Home Loans, Inc. P.O, Box 24610 Oklahoma Clty, OK 73124 PRESORT First-Class Mail U.S, Postage and Fees Paid wso eledeaag fof AU Lengel YLT TL BOBBI ANN MCDOWELL 1011 BROOK AVE SECANE, PA 19018-3615 W_PA_ACTo1Date: 01/27/2022 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. Keep this entire Act 91 Notice, including the attached Account Summary, and have it available for your face-to-face meeting, whether done in person or remotely. 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, Act91 Notice PAGE 1 Le erieFecha: 01/27/2022 Notificaci6én sobre la Ley 91** Act 91 Notice** Salve a su Hogar de la Ejecucién Hipotecaria La presente es una notificacién official sobre la Ley 91. Usted estd recibiendo esta notificacion porque la ley de Pehnsylvania 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 Ja Agencia de Financiamiento de Hogares de Pennsylvania (PHFA, por sus siglas en inglés). LLAME A UNA AGENCIA DE ASESORAMIENTO PARA CONCERTAR UNA REUNION. 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 por el HEMAP, antes de que transcurran 33.dfas, aypartir de la fecha de esta notificacion. Esta reunién 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 llame 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 ame a una Agencia de Asesoria y programe una reunién presencial de inmediato. Conserve esta Notificacién sobre la Ley 91, con el Resumen de Cuenta adjunto, y téngalo disponible para a su reunién presencial, ya sea en persona o de forma remota. Un asesor puede: e Ayudarlo a presentar su solicitud al HEMAP y explicarle cémo funciona el programa. e Hablar con su prestamista acerca de una modificacién del préstamo u otro plan de pago. e 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 la hipoteca. © Derivarlo a otro tipo de asistencia, programa 0 servicio. e 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 impedird que su prestamista ejecute la hipoteca. Sin embargo, si se aprueba su solicitud, el préstamo de ayuda del HEMAP pondrd su hipoteca al dia y detendra la ejecucién. El HEMAP también puede ayudarlo, de manera temporal, a realizar los pagos de hipoteca futuros. También puede optar por fa 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. AcT 91 NOTICE PAGE 2Your Loan Details: ACT 91 NOTICE Account Summary Name(s) on Account: TODD HARRIS THYKESON BOBBI ANN MCDOWELL Address of Mortgaged Property: 1011 BROOK AVE SECANE, PA 19018-3615 Account Number: ae How to Contact Your L ender: Current Lender or Servicer: Lender or Servicer Address: Caliber Home Loans, Inc. 13801 Wireless Way Oklahoma City, OK, 73134 Lender or Servicer Phone Number: (800) 621-1437 (800) 735-2989 (TDD) Contact Person: SPOC DEPARTMENT Phone Number: (800) 621-1437 Fax Number: Email: (405) 608-2003 calibermods@caliberhomeloans.com. AcT91 NOTICE PAGE 3Default Information: Monthly Payments Missed: | 05/2020, 06/2020, 07/2020, 08/2020, 09/2020, 10/2020, 11/2020, 12/2020, 01/2021, 02/2021, 03/2021, 04/2021, 05/2021, 06/2021, 07/2021, 08/2021, 09/2021, 10/2021, 11/2021, 12/2021, and 01/2022 Total Amount Past Due: Total Monthly Payments Due: $38,982.19 Late Charges: $500.61 Corporate Advance Balance: $105.00 Unapplied Balance: $(277.78) *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 $39,310.02, plus any payment and other charges that/have This Notice: | become due to your lender or servicer by cash, cashier's check, Send Payment and Make | Caliber Home Loans, Inc. Payable to: | PO Box 650856 To Cure “Other Default”: | Not Applicable —_——[}—$—$?$P Is the Mortgage Assumable? | No. certified check or other means acceptable to both parties. Dallas, TX 75265-0856 AcT 91 Notice PAGE 4 Rae,Page 5 of 6 HEMAP Consumer Credit Counseling Agencies DELAWARE County Report last updated: 06/03/2021 11:18 AM. Affordable Housing Centers of PA 846 North Broad St Ist Floor Philadelphia, PA 19130 215-765-1221 American Credit Counseling Institute (ACCT) 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 Bivd Burlington, NI. 08016 800-989-2227 Clarifi/CCCS of Delaware Valley 1608 Walnat St 10th Floor Philadelphia, PA 19107 215-563-5665 Clarif/CCCS of Delaware Valley 7340 Jackson St Philadelphia, PA 19136 215-563-5665 ClaritivCCCS of Delaware Valley 1410 West Erie Ave Office #122 Philadelphia, PA 19140 215-563-5665 Diversifled 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 (ACI) 603 Swede St Nortistown, PA 19401 888-212-6741 APM - Association of Puerto Ricans on the March 600 W Diamond St Philadelphia, PA 19122 215-235-6070 Clarif 71Q.N Lincoln St Unit 118 Wilmington. DE 1980S 215-563-5665 Clarifi 8600 West Chester. Pike Suite 207 Upper Darby, PA 19086 215-363-5665 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 (9046 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 [9104 215-386-1298 https:/Awww phfa.orgfforms/counseling_agencies/nemap_agencies/nemap_delaware pf a W_PA_ACT91 Rev. 09/202 VCP67W_PA_ACT91 Page 6 of 6 HEMAP Consumer Credit Counseling Agencies DELAWARE County Report last updated: 06/03/2021 1 1:18 AM. 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 Ouk Lane CDC 2502-06 W.. Cheltenham Ave Philadelphia, PA 19150 215-224-8339 (Continued...) New. Kensington Community Development Corp 2771 Ruth St Stel Philadelphia, PA..19134 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 215-985-3220 hitps:/twww.phta.org/forms/counsaling_agenciesMemap_agenciesemap_deleware.pdf Rev. 09/2021 VGP67 OFFICE OF JUDICIAL SUPPORT DELAWARE COUNTY, PA