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CIVIL COVER SHEET AND ENTRY OF APPEARANCE
Delaware County Court of Common Pleas
Court Term & No.
Case Caption:
Wells Fargo Bank, N.A.
Olabode Odusoga, et al.
___Jury
X__Non-Jury
Arbitration
($0-$50,000)
2a Plaintiff(s) 2b Defendant(s)
(Name and Address) (Name and Address)
Wells Fargo Bank, N.A. Olabode Odusoga
3476 Stateview Boulevard 108 South 3rd Street
Fort Mill, South Carolina 29715 Darby, PA 19023
3a Related Cases? Yes x_!
x No 3b. Case Subject to Coordination Order? Yes _x No
If yes, show Caption and Case Numbers If yes, show Caption and Date of Order
Entry of Appearance
To the Office of Judicial Support:
Kindly enter my appearance on behalf of Wells Fargo Bank, N.A., (a) plaintiff in this action. Papers may
be served at the address set forth below.
Katherine M. Wolf, Esquire Address: P.O. Box 165028
Attorney for party named above (please print) Columbus, OH 43216-5028
Atty File No: 23-011547
314307 Telephone: 614-220-5611; Fax: 614-220-5613
Attorney |.D. Number E-Mail: KMWolf@manleydeas.com
June 9, 2023
Attorney Signature Date
Choose only the one description which best reflects the principal type of case or relief sought from the list
Case Description
APPEAL Intentional Tort
Minor Court Assault and Battery
Money Judgment Defamation
Landlord and Tenant Employment/Wrongful Discharge
Code Enforcement False Imprisonment
Personal Injury Fraud
Breach of Contract Malicious Prosecution
Other Negligence
Motor Vehicle
Local Agency Real Property
Civil Service Premises Liability
Motor Vehicle Product Liability
Licenses and Inspections Toxic Tort
Liquor Control Board Asbestos
Tax Assessment Boards DES
Zoning Board Implant
Other Toxic Waste
Other.
Proceedings Commenced by Petition Professional Malpractice
Appointment by Arbitrators Dental
Change of Name Legal
Compel Medical Examination Medical
Election Matters Other.
Eminent Domain Equity
Leave to Issue Subpoena Real Property
Mental Health Proceedings Stockholders Derivative Action
Other Waste Prevention
Other.
CIVIL ACTIONS COMMENCED BY WRIT OF Declaratory Judgment
SUMMONS OR COMPLAINT Ground Rent
Mandamus
Abuse of Process Real Property
Action for Wrongful Death Ejectment
Class Action Quiet Title
Confession of Judgment/Money Mortgage Foreclosure
Confession of Judgment/Real Property Mechanics Lien
Contract Partition
Construction Prevent Waste
Insurance/Bad Faith Replevin
Negotiable Instruments Saving Action Um/Uim
Other Quo Warranto
Other.
Manley Deas Kochalski LLC
P. O. Box 165028
Columbus, OH 43216-5028
Telephone: 614-220-5611
Email: KWWolf@manleydeas.com
IN THE COURT OF COMMON PLEAS
DELAWARE COUNTY, PENNSYLVANIA
Wells Fargo Bank, N.A.
3476 Stateview Boulevard CIVIL DIVISION
Fort Mill, South Carolina 29715
NO.:
Plaintiff,
vs.
Olabode Odusoga
108 South 3rd Street
Darby, PA 19023
Defendant.
062-PA-V10 23-011547_MKM
@2
NOTICE TO DEFEND
NOTICE AVISO
You have been sued in court. If you wish to Le han demandado a usted en la corte. Si
defend against the claims set forth in the usted quiere defenderse de estas demandas
following pages, you must take action within expuestas en las paginas siguientes, usted
twenty (20) days after this complaint and tiene veinte (20) dias de plazo al partir de la
notice are served, by entering a written fecha de la demanda y la notificacion. Hace
appearance personally or by attorney and falta ascentar una comparencia escrita 0 en
filing in writing with the court your defenses persona 0 con un abogado y entregar a la corte
or objections to the claims set forth against en forma escrita sus defensas 0 sus objeciones
you. You are warned that if you fail to do so a las demandas en contra de su persona. Sea
the case may proceed without you and a avisado que si usted no se defiende, la corte
judgment may be entered against you by the tomara medidas y puede continuar la demanda
court without further notice for any money en contra suya sin previo aviso o notificacion,
claimed in the complaint of for any other Ademas, la corte puede decider a favor del
claim or relief requested by the plaintiff. You demandante y requiere que usted cumpla con
may lose money or property or other rights todas las provisiones de esta demanda. Usted
important to you. puede perder dinero 0 sus propiedades u otros
derechos importantes para usted.
You should take this paper to your lawyer at
once. If you do not have a lawyer or cannot Lleve esta demanda a un abogado
afford one, go to or telephone the office set immediatamente. Si no tiene abogado o si no
forth below to find out where you can get tiene el dinero suficiente de pagar tal servicio.
legal help. Vaya en persona o llame por telefono ala
oficina cuya direccion se encuentra escrita
Lawyers Reference Service abajo para averiguar donde se puede
Delaware County Bar Association conseguir asistencia legal.
335 West Front Street
Media, PA 19063 Lawyers Reference Service
(610) 566-6625 Delaware County Bar Association
335 West Front Street
Media, PA 19063
(610) 566-6625
062-PA-V10 23-011547_MKM
CIVIL ACTION - COMPLAINT IN MORTGAGE FORECLOSURE
And now comes Wells Fargo Bank, N.A., by its attorneys, Manley Deas Kochalski LLC,
and files this Complaint in Mortgage Foreclosure as follows:
1 The Plaintiffis Wells Fargo Bank, N.A., 3476 Stateview Boulevard, Fort Mill, South
Carolina 29715 (hereinafter "plaintiff").
The Defendant(s) is/are, Olabode Odusoga, with a last known address of 108 South 3rd
Street, Darby, PA 19023.
In order to protect the borrower's privacy, certain personal information of the borrower
(such as loan account, Social Security numbers and birth dates), may have been partially
or completely redacted on the exhibits to this Complaint.
Wells Fargo Bank, N.A. directly or through an agent, has possession of the Promissory
Note. Wells Fargo Bank, N.A. is either the original payee of the Promissory Note or the
Promissory Note has been duly indorsed. A copy of said Promissory Note is marked
Exhibit A, attached,hereto and made a part hereof.
On or about August 16, 2018,,Olabode Odusoga made, executed and delivered to Wells
Fargo Bank, N.A. a Mortgage in the original principal amount of $43,650.00 on the
premises described in the legal description marked Exhibit B, attached hereto and made a
part hereof. Said mortgage was recorded in the Recorder's Office, Delaware County,
Pennsylvania, on August 30, 2018 in Document ID 2018042892, and recorded in Book
06217, Page 1117. The Mortgage is a matter of public record and is incorporated herein
by reference in accordance with Pa.R.C.P. 1019(g), which rule relieves the Plaintiff from
its obligation to attach documents to pleadings if those documents are of public record.
The folio number is 24000005000.
062-PA-V10 23-011547_MKM
Plaintiff is the current Mortgagee.
Olabode Odusoga is the record and real owner(s) of the aforesaid mortgaged premises.
Defendants are in default under the terms of the aforesaid Mortgage for, inter alia, failure
to pay the installments of principal and interest due January 1, 2022.
As of 6/19/2023 the amount due and owing Plaintiffon the mortgage is as follows
The total amount due the Plaintiffon said Note through 6/19/2023 is $56,373.61 which
breaks down as follows:
Principal $41,552.33
Non-Interest Second Principal $6,951.78
Interest
From 12/1/2021 to 6/19/2023 @ 5.375% $3,460.30
Pre-acceleration Late Charges $24.44
Hazard Insurance Disbursements $1,858.00
Tax Disbursements $2,095.66
Property Inspections/Preservation $0.00
PMI\MIP Insurance $431.10
Other (specify charges/fees) $0.00
Escrow Balange Credit $0.00
Credits to Borrower $0.00
Total $56,373.61
Per diem interest in the amount of $6.12 will accrue on the principal from 6/19/2023 and
thereafter in accordance with the Note.
plus interest and all other additional amounts authorized under the Mortgage and
Pennsylvania Law, actually and reasonably incurred by Plaintiff, including but not
limited to, costs (including escrow advances) and Plaintiff's attorneys’ fees and expenses.
Plaintiff reserves the right to file a motion in the above-captioned action to add such
062-PA-V10 23-011547_MKM
additional sums authorized under the Mortgage and Pennsylvania Law to the above
amount due and owing when incurred.
10 Notice of Intention to Foreclose as set forth in Act 6 of 1974, Notice of Homeowner's
Emergency Mortgage Assistance Program pursuant to Act 91 of 1983, as amended in
2008, and/or Notice of Default as required by the mortgage document, as applicable, have
been sent to the Defendant(s). A copy of said Notice is marked Exhibit C, attached hereto
and made a part hereof.
11 This is an in rem action only against the aforesaid mortgaged premises. Plaintiff is not
seeking a judgment of personal liability against the Defendant(s), but reserves its right.to
do so in a separate legal action if such right exists. If Defendant(s) have received a
discharge of personal liability in a bankruptcy proceeding, this action is in no way an
attempt to re-establish such liabilityy
WHEREFORE, Plaintiff demands an in rem judgment in mortgage foreclosure for the
amount due of $56,373.61 with interest thereon plus additional costs (including additional
escrow advances), additional attorneys! fees and costs and for foreclosure and sale of the
mortgaged premises.
Respectfully submitted,
Katherine M. Wolf, Esquire (314307)
Kimberly J. Hong, Esquire (74950)
Michael E. Carleton, Esquire (203009)
Meredith H. Wooters, Esquire (307207)
Matthew P. Curry, Esquire (322229)
Alyk L. Oflazian, Esquire (312912)
Cristina L. Connor, Esquire (318389)
Manley Deas Kochalski LLC
P. O. Box 165028
Columbus, OH 43216-5028
Telephone: 614-220-5611
062-PA-V10 23-011547_ MKM
Fax: 614-220-5613
Email: KMWolf@manleydeas.com
Attorney for Plaintiff
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062-PA-V10 23-011547_MKM
VERIFICATION
Jeffrey C Knox, hereby states that he/she is Vice President Loan Documentation of
WELLS FARGO BANK, N.A., plaintiffin this matter, that he/she is authorized to make this
Verification, and verify that the statements made in the foregoing Civil Action in Mortgage
Foreclosure are true and correct to the best of his/her 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.
Ly
/
Jeffrey C Knox
Vice President Loan Documentation
Wells Fargo Bank, N.A.
06/20/2023
086-PA-V3 23-011547_MKM
ECVC
I certify that this filing complies with the provisions of the Public Access Policy of the
Unified Judicial System of Pennsylvania: Case Records of the Appellate and Trial Courts that
require filing confidential information and documents differently than non-confidential
information and documents.
Katherine M. Wolf, Esquire (314307)
Kimberly J. Hong, Esquire (74950)
Michael E. Carleton, Esquire (203009)
Meredith H. Wooters, Esquire (307207),
Matthew P. Curry, Esquire (322229)
Alyk L. Oflazian, Esquire (312912)
Cristina L. Connor, Esquire (318389)
Manley Deas Kochalski LLC
Telephone: 614-220-5611
Fax: 614-220-5613
Email: KMWolf@manleydeas.com
Attorney for Plaintiff
062-PA-V10
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Exhib
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Note
August 16, 2018 MARCUS HOOK. PA
[Date] {City} [State]
45 Cedar ST, MARCUS HOOK, PA 19061
[Property Address}
1. Borrower's Promise to Pay. In rcturn for a loan that I have received, I promise to pay U.S. $43,650.00 (this amount
is called “Principal”), plus interest, to the order of the Lender. The Lender is Wells Fargo Bank, N.A.. I will make all
payments under this Note in the form of cash, check or money order.
T understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is
entitled to reccive payments under this Note is called the “Nore Holder”.
2. Interest. Interest will be charged on unpaid principal until the full amount of Principal has been paid. 1 will pay
interest at a yearly rate of 5.375%.
The interest rate required by this Section 2 is the rate I will pay both before and after any Survival Event defined:inthis
Note.
3. Payments.
(A) Time and Place of Payments. | will pay principal and interest by cincing® payment every month:
[ will make my monthly payment on the Ist day of each month beginningon October 1, 2018. | will make these
payments every month until I Have paid all of the principal and interest and any other charges:described below that 1
may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to
interest before Principal. Lf, on September 1, 2048, | still owe amounts under this Note, | will pay those amounts in
full on that date, which is called the “Maturity Date" Jywill continue to pay those amounts both before and after any
Survival Event as defined in this Note, until | have paid all of the principal and interest and any other charges described
below that | may owe under this Note
I will make my monthly payments at PO Box 11701, Newark, NJ 07101-4701 or at-a different place if required by the
Note Holder.
(B) Amount of Monthly Payments. My monthly payment will be in the amount of U.S. $244.43.
4. Borrower's Right to Prepay.
1 have the right to make payments of Principal at any tine before they are duc. A payment of Principal only is known as a
“Prepayment When I make a Prepayment; I will-tell the Note Holder in writing that | am doing so. | may not designate a
payment as a Prepayment if] have not made all the monthly payments due under the Note.
I may makea full. Prepayment or partial Prepayments without paying a Prepayment charge. The.Note.Holder will use
my Prepayments to reduce the amount of Principal that ] owe under this Note. However, the Note Holder may apply my
Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the
Principal amount of the Note. If] make a partial Prepayment, there will be no changes in the duc date or in the amount of
my monthly payment unless the Note Holder agrees in writing to those changes.
5. Loan Charges. Ifa law, which applies to this loan and which sets maximum loan charges, is finally interpreted so
that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits,
then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and
(b) any ‘sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may
choose to make.this refund by reducing the Principal | owe under this Note or by making a direct payment to me. Ifa
refund reduces Principal, the reduction wil! be treated as a partial Prepayment
6. Borrower's Failure to Pay as Required.
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(A) Late Charge for Overdue Payments. If the Note Holder has not received the full amount of any monthly
payment by the end of Fifteen calendar days after the date it is due, I will pay a late charge to the Note Holder. The
amount of the charge will be 5.000%-of my overdue payment of principal and interest.
I will pay this.late charge promptly but only once’on cach late, payment.
(B) Default. If1 do not'pay the full amount of each monthly payment on the date it is due, | will be in default.
(C) Notice of Default. If 1 am in default, the Note Holder may send me a written notice telling me that if! do not pay
the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amountof Principal
which has not becn paid and all the interest that ] owe on that amount. That date must be at least 30 days after the date
on which the notice isimailed to me or delivered by other means. '
(D) No Waiver By Note Holder. Even if, at a time when [.am in default, the Note Holder does not require me to
pay immediately in full as described above, the Note Holder will still have the right to do so if 1 am in default at a later
time.
(E) Payment of Note Holder's Costs and Expenses. If the Note Holder has-required me to pay immediately
in full as described above, the Note Holder will have the right to be paid back by me.for all of its costs and expenses
in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable
attorneys’ fees. [ will pay the-Note Holder back for those expenses paid by the Note Holder both before and afterany
Survival Event as defined in this Note.
7. Giving of Notices. Unless applicable law requires a different method, any notice that must be given to me‘under this
Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above orata different
address if I. give the Note Holder a notice of.my different address.
Any notice that must be given-to the Note Holder under this Note will be given by.delivering itor by mailing it by first
class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if | am given a notice of
that different address.
8. Obligations of Persons Under This Note. If more:than one person signs this Note, cach person is fully and
personally obligated to. keep all of the promises made in this Note, includingsthe promise (o:pay’the full amount owed
Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who
takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to
keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person
individually or against all ofus together. This means that any one of us ma y be required to pay all of the. amounts owed
under this Note. :
9. Waivers. I and any other person who has obligations under this Note waive the rights of Presentment and Notice of
Dishonor. “Presentment” means the right to require the Note Holder to demand payment of amounts due. “Notice of
Dishonor” means the right to require the Note Holder.to give notice to other persons that amounts due have,not been paid...
10. Uniform Secured Note. This Not: a. uniform instrument with limited variations in some jurisdictions. In addition
to the/protections given to the Note Holder. under this. Note, a Mortgage,.Deed of Trust, or Security Deed (the “Security
Instrument"), dated the same date as this Note, protects the Note.Holder from possible losses that might result if 1 do not
keep the promises which I make in this Note. That Security Instrument describes how and under what conditions } may be
required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described
as follows:
If all or any part of the. Property or any Interest in the Property is sold or transferred (or if Borrower is nota natural
person and a beneficial interest in Borrower-is sold or transferred) without Lender's prior written consent, Lender may
require immediate payment'in full of all sums secured by this Security Instrument. However, this option shall not be
exercised by Lender if such exercise is prohibited by Applicable Law.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of
not less than 30 days from the date the notice is given in-accordance with Section 15 within which Borrower must pay
all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period,
Lender may invoke.any remedies permitted by this.Security Instrument without further'notice or demand.on Borrower,
HCFG-00017 Seer)
PEWHSYLVAMA FIXED RATE NOTE-Single Famiy-Fancie Mao/Freddis
Mac UNFORW INSTALAENI
Bonkors Sytzams"™ VPRO tie
Wolters Kiuwar Finundai Services:
SttoE Teas!
11. Effect of Survival Events. For purposes of this Note, “Survival Event” is defined as follows:
(A)any default described: in Section 6(B) of this Note;
(B)Noteholder requiring me to pay immediately the full amount of Principal which has not been paid and all the
interest that I owe on.that amount under Section 6(C) of this Note;
(C) Noteholder requiring immediate payment in full of all sums secured by the Security Instrument,
(D)The Maturity Date.as defined in this Note;
(E) the entry of any judgment against me under this Note; and
(F) the entry of any judgment under the Security Instrument.
WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED.
Borrower
Olabode Odusoga
orlgle Date
Seal
[Sign Original Only]
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HCFG-0007
PEHNSYLVAMA FIXED RATE NOTE-Sing'o Family Fannie Moe/Froddie Mac UNFORM INSTRUMENT
Bankers Syuems™ V1 atts
Wolters Kamer Financial Services Page 3013
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re leiks:
WITHOUT le
PAY TO THE OOURSE
ORDER.OF
WELLS FARGO BANK
, NA .
BK
B Y.
JACKIE C. MUEL Co Unie,
LER, SENIOR’
VICE PRESOE
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Exhib
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EXHIBIT B
All that certain lot or piece of ground, with the buildings and improvements thereon erected,
situate in the Borough of Marcus Hook, County of Delaware and State of Pennsylvania, being
Lot #183 on a certain Plan of Lots of Marcus Hook Village, made by Over and Tingley, Civil
Engineers, Havertown, Pennsylvania, September 30, 1947, and last revised September 20, 1948,
and which Plan is recorded at Media, in the Office for the Recording of Deeds, etc., in and for
the County and State aforesaid on October 11, 1948, in Plan File Case #7 page 11, and being
known as #45 Cedar Street, bounded and described as follows, to wit:
Beginning at a point on the Southwest side of Cedar Street (40 feet wide), which point is
measured South 30 degrees 08 minutes 56 seconds East, 96.50 feet from the intersection of the
Southwest side of Cedar Street with the Southeast side of Chestnut Street (40 feet wide); thence
extending along the Southwest side of Cedar Street aforesaid, South 30 degrees 09 minutes 56
seconds East, 20 feet to a point, a corner of this and Lot #182 on said plan; thence along the
same, South 59 degrees 54 minutes 04 seconds West, 105 feet to the center line of a certain 4
feet wide alley as shown on the said plan; thence extending along the center line thereof, North
30 degrees 08 minutes 56 seconds West, 20 feet to a point, a corner of this and Lot #184 on said
plan; thence extending along the same, North 59 degrees 54 minutes 04 seconds East, 105 feet to
the point and place of beginning.
Together with the free and common use, right, libertyand privilege of the alleys and extensions
thereof into and from the streets or outlets;as shown on the above referred plan, as and for
passageways at all times hereafter forever in common with the owners, tenants and occupiers of
the other lots of ground bounding thereon and entitled to the use thereof.
Subject, nevertheless to theproportionate part of the expense of keeping such alleys in good
order and repair.
Prior Deed Reference: Document ID 2018042891, and recorded in Book 06217, Page 1112.
062-PA-V10 23-011547_MKM
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Exhib
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UA
Wells Fargo Home Mortgage
PO Box 9065, PRESORT
Temecula, CA 92589-9065 First-Class Mail
U.S, Postage and
Fees Paid
wso
2377997193
Send Payments to:
Wells Fargo Home Mortgage
3440 Flair Drive
El Monte, CA 91731
20230310-67
Send Correspondence to:
Wells Fargo Home Mortgage Matthieatibe eileen edit
Written Customer Contact OLABODE ODUSOGA
P.O. Box 10335 108 S 3RD ST
Des Moines, IA 50306
DARBY, PA 19023-2802
First Unpaid Payment Due Date at time of this mailing: January 1, 2022
PAACT91
Wells Fargo Home Mortgage
hae] PO Box 9065
BN Tele esses os Temecula, CA 92589-906:
Retum Address only
Do not send payments to this address
March 9, 2023
OLABODE ODUSOGA
108 S$ 3RD ST
DARBY, PA 19023-2802
a
Where appropriate, Wells Fargo Home Mortgage is required to inform you that, as your account servicer, we are
attempting to collect a debt and any information obtained will be used for that purpose.
Page 1 of 8 2377997193
Date: March 9, 2023
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. Alist_isvalso
available at http://www.phfa.org/counseling/hemap.aspx. If after speaking with a Counseling
Agency you have further questions about HEMAP, please call | (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 yourproperty 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.
Eyen 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 TRADUCCI6N DE ESTA NOTIFICACION IMPORTANTE, O
LLAME AL 1.800.342.2397.
ba Page 3 of 8 2377997193
Fecha: March 9, 2023
Notificaci6n 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 esta recibiendo esta notificacion
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 Due|fnos 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 reunin es gratuita y es la Gnica 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 Asesor|fia
tiene alguna pregunta sobre el HEMAP, por favor lame 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 reunién presencial de inmediato, Conserve esta Notificacion sobre la Ley 91, junto
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:
° Ayudarlo a presentar su solicitud al HEMAP y explicarle como funciona el programa.
e Hablar con’su prestamista acerca de una modificacién del préstamo u otro plan de pago.
° Explicarle Jas opciones posibles para evitar la ejecucién de la hipoteca, como la mitigacién de
pérdidas, la refinanciacién debpréstamo, la venta o transferencia de su propiedad a un tercero,
Owque 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 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 detendra 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 alfno calendario.
Si usted ha presentado una solicitud de quiebra, esta notificaci6n 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 declaracion de quiebra.
*SEE REVERSE SIDE FOR TRANSLATION OF THIS IMPORTANT NOTICE OR CALL 1.800.342.2397.
Page 4 of 8 2377997153
ACT 91 NOTICE
Account Summary
Your Loan Details:
Name(s) on Account : OLABODE ODUSOGA
=
‘Address
of Mortgaged Property: 45 CEDAR ST
MARCUS HOOK, PA 19061-4610
}
Account Number:
How to Contact Your Lender:
=
Current Lender or Servicer: | Wells Fargo Home Mortgage
Lender or Servicer Address: |MAC 17416-027
4101 Wiseman Blvd
San Antonio, TX 78251
Lender or Servicer Phone 1-800-416-1472
Number:
= oc ss
Contact Person: Julia Hewitt, T74 16-027
~
Phone Number: | 1-800-416-1472
>
Fax Number: | 1-844-879-8701
Email: | CSGHousingAssistance@wellsfargo.com
"|
Page 5 of 8 2377997193
Default Information:
Monthly Payments Missed: | January 1, 2022 - March 9, 2023
Total Amount Past Due: | Total Overdue amount as of March 8, 2023
Overdue Payment Amount: $8,199.42
Other Charges (explain/itemize):
Late Charges: $24.44
Other Fees, Unpaid Advance Balance $0.00
*Please be aware that fees Unapplied Funds -$0.00
and costs may continue to
accrue through the duration
of: the delinquency.
i
How to Cure the Default:
Within 30 Days of the Date on | Pay $8,223.86, plus amy Soa Nnd Wier
This Notice: | charges that haye 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 | Regular mail:
Payable to: | Wells Fargo Home Mortgage
PO Box 77036
Minneapolis, MN 55480-7736
| Overnight mail:
| Wells Fargo Home Mortgage
3440 Flair Drive
El Monte, CA 91731 /
To Cure “Other Default”: Not Applicable
Is the Mortgage Assumable? | No, but please contact your Lender to discuss
your options,
Lae ee een eet terested
Page 6 of 8 2377997193
HEMAP Consumer Credit Counseling Agencies
DELAWARE County
Report ast updated: 02/4/2022 02:57 PM
Affordable Housing Centers of PA American Credit Counseling Institute (ACCD
846 North Broad St 603 Swede St
Ist Floor Norristown, PA 19401
Philadelphia, PA 19130 888-212-6741
215-765-1221
American Credit Counseling Institute (ACI) APM - Association of Puerto Ricans on the March
6800 Market St 600 W Diamond St
Ist Floor Philadelphia, PA 19122
Upper Darby, PA 19082 215-235-6070
888-212-674]
Clarif Clarifi
1060 Kings Highway North 710 .N Lincoln St
Suite 315 Unit 18
Cherry Hill NJ 08034 Wilmington, DE 19805
215-563-5665 215-563-5665
Clarif Clarifi
YMCA of Burlington & Camden Counties 8600 West Chester Pike
302 Commerce Square Blvd Suite 207
Burlington, NJ 08016 Upper Darby, PA 19086
800-989-2227 215-563-5665
Clarifi/CCCS of Delaware Valley Clarifi/CCCS of Delaware Valley
1608 Walnut St 770.E Market St
10th Floor Suite 190,
Philadelphia, PA 19107 West Chester, PA 19382
215-563-5665 215-563-5665
Clarifi/CCCS of Delaware Valley Clarifi/CCCS of Delaware Valley
7340 Jackson St 101 Greenwood Ave
Philadelphi: PA 19136 Suite 340
215-563-5665 Jenkintown, PA 19046
215-563-5665
Clarifi/CCCS of Delaware Valley Clarifi/CCCS of Delaware Valley
1410 WestErie Aye
Preview
CIVIL COVER SHEET AND ENTRY OF APPEARANCE Delaware County Court of Common Pleas Court Term & No. Case Caption: Wells Fargo Bank, N.A. Olabode Odusoga, et al. ___Jury X__Non-Jury Arbitration ($0-$50,000) 2a Plaintiff(s) 2b Defendant(s) (Name and Address) (Name and Address) Wells Fargo Bank, N.A. Olabode Odusoga 3476 Stateview Boulevard 108 South 3rd Street Fort Mill, South Carolina 29715 Darby, PA 19023 3a Related Cases? Yes x_! x No 3b. Case Subject to Coordination Order? Yes _x No If yes, show Caption and Case Numbers If yes, show Caption and Date of Order Entry of Appearance To the Office of Judicial Support: Kindly enter my appearance on behalf of Wells Fargo Bank, N.A., (a) plaintiff in this action. Papers may be served at the address set forth below. Katherine M. Wolf, Esquire Address: P.O. Box 165028 Attorney for party named above (please print) Columbus, OH 43216-5028 Atty File No: 23-011547 314307 Telephone: 614-220-5611; Fax: 614-220-5613 Attorney |.D. Number E-Mail: KMWolf@manleydeas.com June 9, 2023 Attorney Signature Date Choose only the one description which best reflects the principal type of case or relief sought from the list Case Description APPEAL Intentional Tort Minor Court Assault and Battery Money Judgment Defamation Landlord and Tenant Employment/Wrongful Discharge Code Enforcement False Imprisonment Personal Injury Fraud Breach of Contract Malicious Prosecution Other Negligence Motor Vehicle Local Agency Real Property Civil Service Premises Liability Motor Vehicle Product Liability Licenses and Inspections Toxic Tort Liquor Control Board Asbestos Tax Assessment Boards DES Zoning Board Implant Other Toxic Waste Other. Proceedings Commenced by Petition Professional Malpractice Appointment by Arbitrators Dental Change of Name Legal Compel Medical Examination Medical Election Matters Other. Eminent Domain Equity Leave to Issue Subpoena Real Property Mental Health Proceedings Stockholders Derivative Action Other Waste Prevention Other. CIVIL ACTIONS COMMENCED BY WRIT OF Declaratory Judgment SUMMONS OR COMPLAINT Ground Rent Mandamus Abuse of Process Real Property Action for Wrongful Death Ejectment Class Action Quiet Title Confession of Judgment/Money Mortgage Foreclosure Confession of Judgment/Real Property Mechanics Lien Contract Partition Construction Prevent Waste Insurance/Bad Faith Replevin Negotiable Instruments Saving Action Um/Uim Other Quo Warranto Other. Manley Deas Kochalski LLC P. O. Box 165028 Columbus, OH 43216-5028 Telephone: 614-220-5611 Email: KWWolf@manleydeas.com IN THE COURT OF COMMON PLEAS DELAWARE COUNTY, PENNSYLVANIA Wells Fargo Bank, N.A. 3476 Stateview Boulevard CIVIL DIVISION Fort Mill, South Carolina 29715 NO.: Plaintiff, vs. Olabode Odusoga 108 South 3rd Street Darby, PA 19023 Defendant. 062-PA-V10 23-011547_MKM @2 NOTICE TO DEFEND NOTICE AVISO You have been sued in court. If you wish to Le han demandado a usted en la corte. Si defend against the claims set forth in the usted quiere defenderse de estas demandas following pages, you must take action within expuestas en las paginas siguientes, usted twenty (20) days after this complaint and tiene veinte (20) dias de plazo al partir de la notice are served, by entering a written fecha de la demanda y la notificacion. Hace appearance personally or by attorney and falta ascentar una comparencia escrita 0 en filing in writing with the court your defenses persona 0 con un abogado y entregar a la corte or objections to the claims set forth against en forma escrita sus defensas 0 sus objeciones you. You are warned that if you fail to do so a las demandas en contra de su persona. Sea the case may proceed without you and a avisado que si usted no se defiende, la corte judgment may be entered against you by the tomara medidas y puede continuar la demanda court without further notice for any money en contra suya sin previo aviso o notificacion, claimed in the complaint of for any other Ademas, la corte puede decider a favor del claim or relief requested by the plaintiff. You demandante y requiere que usted cumpla con may lose money or property or other rights todas las provisiones de esta demanda. Usted important to you. puede perder dinero 0 sus propiedades u otros derechos importantes para usted. You should take this paper to your lawyer at once. If you do not have a lawyer or cannot Lleve esta demanda a un abogado afford one, go to or telephone the office set immediatamente. Si no tiene abogado o si no forth below to find out where you can get tiene el dinero suficiente de pagar tal servicio. legal help. Vaya en persona o llame por telefono ala oficina cuya direccion se encuentra escrita Lawyers Reference Service abajo para averiguar donde se puede Delaware County Bar Association conseguir asistencia legal. 335 West Front Street Media, PA 19063 Lawyers Reference Service (610) 566-6625 Delaware County Bar Association 335 West Front Street Media, PA 19063 (610) 566-6625 062-PA-V10 23-011547_MKM CIVIL ACTION - COMPLAINT IN MORTGAGE FORECLOSURE And now comes Wells Fargo Bank, N.A., by its attorneys, Manley Deas Kochalski LLC, and files this Complaint in Mortgage Foreclosure as follows: 1 The Plaintiffis Wells Fargo Bank, N.A., 3476 Stateview Boulevard, Fort Mill, South Carolina 29715 (hereinafter "plaintiff"). The Defendant(s) is/are, Olabode Odusoga, with a last known address of 108 South 3rd Street, Darby, PA 19023. In order to protect the borrower's privacy, certain personal information of the borrower (such as loan account, Social Security numbers and birth dates), may have been partially or completely redacted on the exhibits to this Complaint. Wells Fargo Bank, N.A. directly or through an agent, has possession of the Promissory Note. Wells Fargo Bank, N.A. is either the original payee of the Promissory Note or the Promissory Note has been duly indorsed. A copy of said Promissory Note is marked Exhibit A, attached,hereto and made a part hereof. On or about August 16, 2018,,Olabode Odusoga made, executed and delivered to Wells Fargo Bank, N.A. a Mortgage in the original principal amount of $43,650.00 on the premises described in the legal description marked Exhibit B, attached hereto and made a part hereof. Said mortgage was recorded in the Recorder's Office, Delaware County, Pennsylvania, on August 30, 2018 in Document ID 2018042892, and recorded in Book 06217, Page 1117. The Mortgage is a matter of public record and is incorporated herein by reference in accordance with Pa.R.C.P. 1019(g), which rule relieves the Plaintiff from its obligation to attach documents to pleadings if those documents are of public record. The folio number is 24000005000. 062-PA-V10 23-011547_MKM Plaintiff is the current Mortgagee. Olabode Odusoga is the record and real owner(s) of the aforesaid mortgaged premises. Defendants are in default under the terms of the aforesaid Mortgage for, inter alia, failure to pay the installments of principal and interest due January 1, 2022. As of 6/19/2023 the amount due and owing Plaintiffon the mortgage is as follows The total amount due the Plaintiffon said Note through 6/19/2023 is $56,373.61 which breaks down as follows: Principal $41,552.33 Non-Interest Second Principal $6,951.78 Interest From 12/1/2021 to 6/19/2023 @ 5.375% $3,460.30 Pre-acceleration Late Charges $24.44 Hazard Insurance Disbursements $1,858.00 Tax Disbursements $2,095.66 Property Inspections/Preservation $0.00 PMI\MIP Insurance $431.10 Other (specify charges/fees) $0.00 Escrow Balange Credit $0.00 Credits to Borrower $0.00 Total $56,373.61 Per diem interest in the amount of $6.12 will accrue on the principal from 6/19/2023 and thereafter in accordance with the Note. plus interest and all other additional amounts authorized under the Mortgage and Pennsylvania Law, actually and reasonably incurred by Plaintiff, including but not limited to, costs (including escrow advances) and Plaintiff's attorneys’ fees and expenses. Plaintiff reserves the right to file a motion in the above-captioned action to add such 062-PA-V10 23-011547_MKM additional sums authorized under the Mortgage and Pennsylvania Law to the above amount due and owing when incurred. 10 Notice of Intention to Foreclose as set forth in Act 6 of 1974, Notice of Homeowner's Emergency Mortgage Assistance Program pursuant to Act 91 of 1983, as amended in 2008, and/or Notice of Default as required by the mortgage document, as applicable, have been sent to the Defendant(s). A copy of said Notice is marked Exhibit C, attached hereto and made a part hereof. 11 This is an in rem action only against the aforesaid mortgaged premises. Plaintiff is not seeking a judgment of personal liability against the Defendant(s), but reserves its right.to do so in a separate legal action if such right exists. If Defendant(s) have received a discharge of personal liability in a bankruptcy proceeding, this action is in no way an attempt to re-establish such liabilityy WHEREFORE, Plaintiff demands an in rem judgment in mortgage foreclosure for the amount due of $56,373.61 with interest thereon plus additional costs (including additional escrow advances), additional attorneys! fees and costs and for foreclosure and sale of the mortgaged premises. Respectfully submitted, Katherine M. Wolf, Esquire (314307) Kimberly J. Hong, Esquire (74950) Michael E. Carleton, Esquire (203009) Meredith H. Wooters, Esquire (307207) Matthew P. Curry, Esquire (322229) Alyk L. Oflazian, Esquire (312912) Cristina L. Connor, Esquire (318389) Manley Deas Kochalski LLC P. O. Box 165028 Columbus, OH 43216-5028 Telephone: 614-220-5611 062-PA-V10 23-011547_ MKM Fax: 614-220-5613 Email: KMWolf@manleydeas.com Attorney for Plaintiff x0 Ke QX on Ww coe 062-PA-V10 23-011547_MKM VERIFICATION Jeffrey C Knox, hereby states that he/she is Vice President Loan Documentation of WELLS FARGO BANK, N.A., plaintiffin this matter, that he/she is authorized to make this Verification, and verify that the statements made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his/her 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. Ly / Jeffrey C Knox Vice President Loan Documentation Wells Fargo Bank, N.A. 06/20/2023 086-PA-V3 23-011547_MKM ECVC I certify that this filing complies with the provisions of the Public Access Policy of the Unified Judicial System of Pennsylvania: Case Records of the Appellate and Trial Courts that require filing confidential information and documents differently than non-confidential information and documents. Katherine M. Wolf, Esquire (314307) Kimberly J. Hong, Esquire (74950) Michael E. Carleton, Esquire (203009) Meredith H. Wooters, Esquire (307207), Matthew P. Curry, Esquire (322229) Alyk L. Oflazian, Esquire (312912) Cristina L. Connor, Esquire (318389) Manley Deas Kochalski LLC Telephone: 614-220-5611 Fax: 614-220-5613 Email: KMWolf@manleydeas.com Attorney for Plaintiff 062-PA-V10 xe? Exhib ow covyo Note August 16, 2018 MARCUS HOOK. PA [Date] {City} [State] 45 Cedar ST, MARCUS HOOK, PA 19061 [Property Address} 1. Borrower's Promise to Pay. In rcturn for a loan that I have received, I promise to pay U.S. $43,650.00 (this amount is called “Principal”), plus interest, to the order of the Lender. The Lender is Wells Fargo Bank, N.A.. I will make all payments under this Note in the form of cash, check or money order. T understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to reccive payments under this Note is called the “Nore Holder”. 2. Interest. Interest will be charged on unpaid principal until the full amount of Principal has been paid. 1 will pay interest at a yearly rate of 5.375%. The interest rate required by this Section 2 is the rate I will pay both before and after any Survival Event defined:inthis Note. 3. Payments. (A) Time and Place of Payments. | will pay principal and interest by cincing® payment every month: [ will make my monthly payment on the Ist day of each month beginningon October 1, 2018. | will make these payments every month until I Have paid all of the principal and interest and any other charges:described below that 1 may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. Lf, on September 1, 2048, | still owe amounts under this Note, | will pay those amounts in full on that date, which is called the “Maturity Date" Jywill continue to pay those amounts both before and after any Survival Event as defined in this Note, until | have paid all of the principal and interest and any other charges described below that | may owe under this Note I will make my monthly payments at PO Box 11701, Newark, NJ 07101-4701 or at-a different place if required by the Note Holder. (B) Amount of Monthly Payments. My monthly payment will be in the amount of U.S. $244.43. 4. Borrower's Right to Prepay. 1 have the right to make payments of Principal at any tine before they are duc. A payment of Principal only is known as a “Prepayment When I make a Prepayment; I will-tell the Note Holder in writing that | am doing so. | may not designate a payment as a Prepayment if] have not made all the monthly payments due under the Note. I may makea full. Prepayment or partial Prepayments without paying a Prepayment charge. The.Note.Holder will use my Prepayments to reduce the amount of Principal that ] owe under this Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the Principal amount of the Note. If] make a partial Prepayment, there will be no changes in the duc date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. 5. Loan Charges. Ifa law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any ‘sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make.this refund by reducing the Principal | owe under this Note or by making a direct payment to me. Ifa refund reduces Principal, the reduction wil! be treated as a partial Prepayment 6. Borrower's Failure to Pay as Required. HCrG-00017 peioen evas hereATE NTE Shots Tory Fansie Mearrease has Bankers Systems 18 Woters omer Final Serves aX=ief=(eac=ve| (A) Late Charge for Overdue Payments. If the Note Holder has not received the full amount of any monthly payment by the end of Fifteen calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5.000%-of my overdue payment of principal and interest. I will pay this.late charge promptly but only once’on cach late, payment. (B) Default. If1 do not'pay the full amount of each monthly payment on the date it is due, | will be in default. (C) Notice of Default. If 1 am in default, the Note Holder may send me a written notice telling me that if! do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amountof Principal which has not becn paid and all the interest that ] owe on that amount. That date must be at least 30 days after the date on which the notice isimailed to me or delivered by other means. ' (D) No Waiver By Note Holder. Even if, at a time when [.am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if 1 am in default at a later time. (E) Payment of Note Holder's Costs and Expenses. If the Note Holder has-required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me.for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys’ fees. [ will pay the-Note Holder back for those expenses paid by the Note Holder both before and afterany Survival Event as defined in this Note. 7. Giving of Notices. Unless applicable law requires a different method, any notice that must be given to me‘under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above orata different address if I. give the Note Holder a notice of.my different address. Any notice that must be given-to the Note Holder under this Note will be given by.delivering itor by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if | am given a notice of that different address. 8. Obligations of Persons Under This Note. If more:than one person signs this Note, cach person is fully and personally obligated to. keep all of the promises made in this Note, includingsthe promise (o:pay’the full amount owed Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all ofus together. This means that any one of us ma y be required to pay all of the. amounts owed under this Note. : 9. Waivers. I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. “Presentment” means the right to require the Note Holder to demand payment of amounts due. “Notice of Dishonor” means the right to require the Note Holder.to give notice to other persons that amounts due have,not been paid... 10. Uniform Secured Note. This Not: a. uniform instrument with limited variations in some jurisdictions. In addition to the/protections given to the Note Holder. under this. Note, a Mortgage,.Deed of Trust, or Security Deed (the “Security Instrument"), dated the same date as this Note, protects the Note.Holder from possible losses that might result if 1 do not keep the promises which I make in this Note. That Security Instrument describes how and under what conditions } may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows: If all or any part of the. Property or any Interest in the Property is sold or transferred (or if Borrower is nota natural person and a beneficial interest in Borrower-is sold or transferred) without Lender's prior written consent, Lender may require immediate payment'in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in-accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke.any remedies permitted by this.Security Instrument without further'notice or demand.on Borrower, HCFG-00017 Seer) PEWHSYLVAMA FIXED RATE NOTE-Single Famiy-Fancie Mao/Freddis Mac UNFORW INSTALAENI Bonkors Sytzams"™ VPRO tie Wolters Kiuwar Finundai Services: SttoE Teas! 11. Effect of Survival Events. For purposes of this Note, “Survival Event” is defined as follows: (A)any default described: in Section 6(B) of this Note; (B)Noteholder requiring me to pay immediately the full amount of Principal which has not been paid and all the interest that I owe on.that amount under Section 6(C) of this Note; (C) Noteholder requiring immediate payment in full of all sums secured by the Security Instrument, (D)The Maturity Date.as defined in this Note; (E) the entry of any judgment against me under this Note; and (F) the entry of any judgment under the Security Instrument. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. Borrower Olabode Odusoga orlgle Date Seal [Sign Original Only] nt =ief=leir=1e] p< =\er-leirsle e ye a SB. HCFG-0007 PEHNSYLVAMA FIXED RATE NOTE-Sing'o Family Fannie Moe/Froddie Mac UNFORM INSTRUMENT Bankers Syuems™ V1 atts Wolters Kamer Financial Services Page 3013 aXcle re leiks: WITHOUT le PAY TO THE OOURSE ORDER.OF WELLS FARGO BANK , NA . BK B Y. JACKIE C. MUEL Co Unie, LER, SENIOR’ VICE PRESOE NT xe? Exhib or covpoe EXHIBIT B All that certain lot or piece of ground, with the buildings and improvements thereon erected, situate in the Borough of Marcus Hook, County of Delaware and State of Pennsylvania, being Lot #183 on a certain Plan of Lots of Marcus Hook Village, made by Over and Tingley, Civil Engineers, Havertown, Pennsylvania, September 30, 1947, and last revised September 20, 1948, and which Plan is recorded at Media, in the Office for the Recording of Deeds, etc., in and for the County and State aforesaid on October 11, 1948, in Plan File Case #7 page 11, and being known as #45 Cedar Street, bounded and described as follows, to wit: Beginning at a point on the Southwest side of Cedar Street (40 feet wide), which point is measured South 30 degrees 08 minutes 56 seconds East, 96.50 feet from the intersection of the Southwest side of Cedar Street with the Southeast side of Chestnut Street (40 feet wide); thence extending along the Southwest side of Cedar Street aforesaid, South 30 degrees 09 minutes 56 seconds East, 20 feet to a point, a corner of this and Lot #182 on said plan; thence along the same, South 59 degrees 54 minutes 04 seconds West, 105 feet to the center line of a certain 4 feet wide alley as shown on the said plan; thence extending along the center line thereof, North 30 degrees 08 minutes 56 seconds West, 20 feet to a point, a corner of this and Lot #184 on said plan; thence extending along the same, North 59 degrees 54 minutes 04 seconds East, 105 feet to the point and place of beginning. Together with the free and common use, right, libertyand privilege of the alleys and extensions thereof into and from the streets or outlets;as shown on the above referred plan, as and for passageways at all times hereafter forever in common with the owners, tenants and occupiers of the other lots of ground bounding thereon and entitled to the use thereof. Subject, nevertheless to theproportionate part of the expense of keeping such alleys in good order and repair. Prior Deed Reference: Document ID 2018042891, and recorded in Book 06217, Page 1112. 062-PA-V10 23-011547_MKM xe? Exhib oor covyw UA Wells Fargo Home Mortgage PO Box 9065, PRESORT Temecula, CA 92589-9065 First-Class Mail U.S, Postage and Fees Paid wso 2377997193 Send Payments to: Wells Fargo Home Mortgage 3440 Flair Drive El Monte, CA 91731 20230310-67 Send Correspondence to: Wells Fargo Home Mortgage Matthieatibe eileen edit Written Customer Contact OLABODE ODUSOGA P.O. Box 10335 108 S 3RD ST Des Moines, IA 50306 DARBY, PA 19023-2802 First Unpaid Payment Due Date at time of this mailing: January 1, 2022 PAACT91 Wells Fargo Home Mortgage hae] PO Box 9065 BN Tele esses os Temecula, CA 92589-906: Retum Address only Do not send payments to this address March 9, 2023 OLABODE ODUSOGA 108 S$ 3RD ST DARBY, PA 19023-2802 a Where appropriate, Wells Fargo Home Mortgage is required to inform you that, as your account servicer, we are attempting to collect a debt and any information obtained will be used for that purpose. Page 1 of 8 2377997193 Date: March 9, 2023 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. Alist_isvalso available at http://www.phfa.org/counseling/hemap.aspx. If after speaking with a Counseling Agency you have further questions about HEMAP, please call | (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 yourproperty 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. Eyen 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 TRADUCCI6N DE ESTA NOTIFICACION IMPORTANTE, O LLAME AL 1.800.342.2397. ba Page 3 of 8 2377997193 Fecha: March 9, 2023 Notificaci6n 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 esta recibiendo esta notificacion 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 Due|fnos 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 reunin es gratuita y es la Gnica 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 Asesor|fia tiene alguna pregunta sobre el HEMAP, por favor lame 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 reunién presencial de inmediato, Conserve esta Notificacion sobre la Ley 91, junto 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: ° Ayudarlo a presentar su solicitud al HEMAP y explicarle como funciona el programa. e Hablar con’su prestamista acerca de una modificacién del préstamo u otro plan de pago. ° Explicarle Jas opciones posibles para evitar la ejecucién de la hipoteca, como la mitigacién de pérdidas, la refinanciacién debpréstamo, la venta o transferencia de su propiedad a un tercero, Owque 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 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 detendra 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 alfno calendario. Si usted ha presentado una solicitud de quiebra, esta notificaci6n 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 declaracion de quiebra. *SEE REVERSE SIDE FOR TRANSLATION OF THIS IMPORTANT NOTICE OR CALL 1.800.342.2397. Page 4 of 8 2377997153 ACT 91 NOTICE Account Summary Your Loan Details: Name(s) on Account : OLABODE ODUSOGA = ‘Address of Mortgaged Property: 45 CEDAR ST MARCUS HOOK, PA 19061-4610 } Account Number: How to Contact Your Lender: = Current Lender or Servicer: | Wells Fargo Home Mortgage Lender or Servicer Address: |MAC 17416-027 4101 Wiseman Blvd San Antonio, TX 78251 Lender or Servicer Phone 1-800-416-1472 Number: = oc ss Contact Person: Julia Hewitt, T74 16-027 ~ Phone Number: | 1-800-416-1472 > Fax Number: | 1-844-879-8701 Email: | CSGHousingAssistance@wellsfargo.com "| Page 5 of 8 2377997193 Default Information: Monthly Payments Missed: | January 1, 2022 - March 9, 2023 Total Amount Past Due: | Total Overdue amount as of March 8, 2023 Overdue Payment Amount: $8,199.42 Other Charges (explain/itemize): Late Charges: $24.44 Other Fees, Unpaid Advance Balance $0.00 *Please be aware that fees Unapplied Funds -$0.00 and costs may continue to accrue through the duration of: the delinquency. i How to Cure the Default: Within 30 Days of the Date on | Pay $8,223.86, plus amy Soa Nnd Wier This Notice: | charges that haye 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 | Regular mail: Payable to: | Wells Fargo Home Mortgage PO Box 77036 Minneapolis, MN 55480-7736 | Overnight mail: | Wells Fargo Home Mortgage 3440 Flair Drive El Monte, CA 91731 / To Cure “Other Default”: Not Applicable Is the Mortgage Assumable? | No, but please contact your Lender to discuss your options, Lae ee een eet terested Page 6 of 8 2377997193 HEMAP Consumer Credit Counseling Agencies DELAWARE County Report ast updated: 02/4/2022 02:57 PM Affordable Housing Centers of PA American Credit Counseling Institute (ACCD 846 North Broad St 603 Swede St Ist Floor Norristown, PA 19401 Philadelphia, PA 19130 888-212-6741 215-765-1221 American Credit Counseling Institute (ACI) APM - Association of Puerto Ricans on the March 6800 Market St 600 W Diamond St Ist Floor Philadelphia, PA 19122 Upper Darby, PA 19082 215-235-6070 888-212-674] Clarif Clarifi 1060 Kings Highway North 710 .N Lincoln St Suite 315 Unit 18 Cherry Hill NJ 08034 Wilmington, DE 19805 215-563-5665 215-563-5665 Clarif Clarifi YMCA of Burlington & Camden Counties 8600 West Chester Pike 302 Commerce Square Blvd Suite 207 Burlington, NJ 08016 Upper Darby, PA 19086 800-989-2227 215-563-5665 Clarifi/CCCS of Delaware Valley Clarifi/CCCS of Delaware Valley 1608 Walnut St 770.E Market St 10th Floor Suite 190, Philadelphia, PA 19107 West Chester, PA 19382 215-563-5665 215-563-5665 Clarifi/CCCS of Delaware Valley Clarifi/CCCS of Delaware Valley 7340 Jackson St 101 Greenwood Ave Philadelphi: PA 19136 Suite 340 215-563-5665 Jenkintown, PA 19046 215-563-5665 Clarifi/CCCS of Delaware Valley Clarifi/CCCS of Delaware Valley 1410 WestErie Aye