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McCABE, WEISBERG & CONWAY, LLC Attorneys for Plaintiff
MARGARET GAIRO, ESQUIRE ID # 34419
CHRISTINE L. GRAHAM, ESQUIRE ID # 309480
MARISA MYERS COHEN, ESQUIRE ID # 87830
ANDREW M. LUBIN, ESQUIRE ID # 54297
CHELSEA A. NIXON, ESQUIRE ID # 324130
JAMES FRENCH, ESQUIRE ID # 319597
NATHALIE PAUL, ESQUIRE ID # 309118
123 South Broad Street, Suite 1400
Philadelphia, PA 19109
(215) 790
Citizens Bank, N.A., Delaware County
Court of Common Pleas
Plaintiff,
Number: CV 006983
Elizabeth G. Tinley, Known Surviving Heir
of David P. Tinley,
and
Unknown Surviving Heirs of David P. Tinley,
Defendants.
PRAECIPE TO REINSTATE COMPLAINT
TO THE PROTHONOTARY:
Kindly reinstate the Complaint in Mortgage Foreclosure in the above captioned matter.
McCABE, WEISBERG & CONWAY, LLC
BY:______________________________________________________
[ ] Margaret Gairo, Esq. [ ] Marisa Myers Cohen, Esq.
[ ] Christine L. Graham, Esq. [ ] Chelsea A. Nixon, Esq.
[ ] Andrew M. Lubin, Esq. [ x] Nathalie Paul, Esq.
[ ] James French, Esq.
Attorneys for Plaintiff
Supreme Court of Pennsylvania
Court of Common Pleas For Prothonotary Use Only:
Civil Cover Sheet
Docket No: CV-2021-006983
Delaware County
The information collected on this form is used solely for court administration purposes. This form does not
supplement or replace the filing and service of pleadings or other papers as required by law or rules of court.
Commencement of Action:
S Complaint Writ of Summons Petition
E Transfer from Another Jurisdiction Declaration of Taking
C Lead Plaintiff's Name: Citizens Bank, N.A. Lead Defendant's Name: Elizabeth G. Tinley
T
I Are there money damages requested? Yes No Dollar Amount Requested: within arbitration limits
O (check one) outside arbitration limits
N Is this a Class Action Suit Yes No Is this an MDJ Appeal Yes No
Name of Plaintiff/Appellant’s Attorney: McCabe, Weisberg & Conway, LLC
Check here if you have no attorney (a Self-Represented [Pro Se] Litigant
Nature of the Case: Place an “X” to the left of the ONE case category that most accurately describes your
PRIMARY CASE. If you are making more than one type of claim, check the one that
you consider most important.
TORT (do not include Mass Tort CONTRACT do not include Judgments CIVIL APPEALS
Intentional Buyer Plaintiff Administrative Agencies
Malicious Prosecution Debt Collection: Credit Card Board of Assessment
Motor Vehicle Debt Collection: Other Board of Elections
Nuisance ___________________________ Department of Transportation
___________________________ Statutory Appeal: Other
Premises Liability (does not include
mass tort ___________________________
Employment Dispute: ___________________________
S Slander/Libel/ Defamation Discrimination
E Other: Employment Dispute: Other Zoning Board
C _________________________ ___________________________ Other
_________________________ ___________________________ ___________________________
T ___________________________
I MASS TORT Other
O Asbestos ___________________________
___________________________
N Tobacco
Toxic Tort - DES REAL PROPERTY MISCELLANEOUS
Toxic Tort - Implant Ejectment Common Law/Statutory Arbitration
Toxic Waste Eminent Domain/Condemnation Declaratory Judgment
Other: Ground Rent Mandamus
_________________________
Mortgage Foreclosure: Residential Non-Domestic Relations
_________________________
Mortgage Foreclosure: Commercial Restraining Order
Partition Quo Warranto
PROFESSIONAL LIABILITY
Replevin
☐ Dental Quiet Title
Other:
☐ Legal Other:
_________________________
_________________________
☐ Medical _________________________ _________________________
☐ Other Professional:
______________________
______________________
Updated 1/1/2011
CIVIL COVER SHEET AND ENTRY OF APPEARANCE
DELAWARE COUNTY COURT OF COMMON PLEAS
1. Case Caption Court Term & No.
CV-2021-006983
Citizens Bank, N.A. (Plaintiff)
v.
Elizabeth G. Tinley, Known Surviving Heir of David P. Tinley and Unknown Surviving Heirs of
David P. Tinley
2a. Plaintiff(s) 2b. Defendant(s)
Citizens Bank, N.A. Elizabeth G. Tinley, Known Surviving Heir of David P. Tinley
10561 Telegraph Road 333 Mohawk Avenue Apt 2nd
Glen Allen, VA 23059 Norwood, Pennsylvania 19074
Unknown Surviving Heirs of David P. Tinley
664 Schoolside Lane
Swarthmore, Pennsylvania 19081
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 Citizens Bank, N.A., (a) plaintiff in this
action. Papers may be served at the address sent forth below.
Margaret Gairo, Esq., Christine L. Graham, Esq., Esq., Joseph I. Foley, Esq., Address: 123 South Broad Street, #1400
Lauren M. Moyer, Esq., Chelsea A. Nixon, Esq.
Attorney for party named above (Please Print) Philadelphia, PA 19109
MG #34419, CLG #309480, JIF #314675, LMM #320589, CAN #324130
Telephone: (215) 790-1010 Fax:(215) 790-1274
Attorney I.D. Number E-Mail: ______________________________
Joseph I. Foley 8/11/2021
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 ____
Assault and Battery ____
Minor Court Libel and Slander ____
Money Judgement ____ 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 of 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 __________________ ____
ACTIONS COMMENCED BY WRIT Declaratory Judgement ____
OF SUMMONS OR COMPLAINT Ground Rent ____
Abuse of Process ____ Mandamus ____
Action for Wrongful Death ____ Real Property
Class Action ____ Ejectment ____
Confession of Judgement/Money ____ Quiet Title ____
Confession of Judgement/ Mortgage Foreclosure X
Real Property ____ Mechanics Lien ____
Contract ____ Partition ____
Construction ____ Prevent Waste ____
Insurance/Bad Faith ____ Replevin ____
Negotiable Instruments ____ Saving Action Um/Uim ____
Other ___________________ ____ Quo Warranto ____
Other ________________________ ____
CV-2021-006983
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 call.
You can have 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.
21-100423
IF 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.
21-100423
NOTICE AVISO
You have been sued in court Ifyou 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 ex puestas en Ias paginas siguientes, usted
within twenty (20) days after this complaint tiene veinte (20) dias dc plazo a1 partir de la
and notice are served, by entering a written fecha de la demanday 1a notificacion Hace
appearance personally or by attorney and falta asentar una comparencia escrita 0 en
filing in writing with the court your defenses persona 0 con un abogado y entregar a la
or objections to the claims set forth against corte en forma escrita sus defensas o sus
you You are warned that if you fail to do objeciones a las demandas en contra de su
so the case may proceed without you and a persona Sea avisado que si usted no se
judgment may be entered against you by the defiende, 1a corte tomara medidas y puede
court without further notice for any money continuar la demanda en contra suya sin
claimed in the complaint or for any other previo aviso o notificacion Ademas, la
claim or relief requested by the plaintiff corte puede decidir afavor del demandante
You may lose money or property or other y requiere que usted cumpla con todas las
rights important to you provisiones de esta demanda Usted puede
perder dinero o sus propiedades u otros
YOU SHOULD TAKE THIS PAPER derechos importantes para usted
TO YOUR LAWYER AT ONCE IF YOU
DO NOT HAVE A LAWYER GO TO OR USTED LE DEBE TOMAR ESTE
TELEPHONE THE OFFICE SET FORTH PAPEL A SU ABOGADO
BELOW THIS OFFICE CAN PROVIDE INMEDIATAMENTE SI USTED NO
YOU WITH INFORMATION ABOUT TIENE A UN ABOGADO VA A O
HIRING A LAWYER TELEFONEA LA OFICINA EXPUSO
IF YOU CANNOT AFFORD TO HIRE ABAJO ESTA OFICINA LO PUEDE
A LAWYER THIS OFFICE MAY BE PROPORCIONAR CON INFORMATION
ABLE TO PROVIDE YOU WITH ACERCA DE EMPLEAR A UN
INFORMATION ABOUT AGENCIES ABOGADO
THAT MAY OFFER LEGAL SERVICES SI USTED N0 PUEDE
TO ELIGIBLE PERSONS AT A PROPORCIONAR PARA EMPLEAR UN
REDUCED FEE OR NO FEE ABOGADO ESTA OFICTNA PUEDE SER
CAPAZ DE PROPORCIONARLO CON
Lawyers Reference Sewice INFORMACION ACERCA DE LAS
Delaware County Bar Association AGENCIAS QUE PUEDEN OFRECER
335 West Front Street LOS SERVICIOS LEGALES A
Media Pennsylvania 19063 PERSONAS ELEGIBLES EN UN
(610) 566 6625 HONORARIO REDUCIDO NI NINGUN
HONORARIO
Lawyers Reference Service
Delaware County Bar Association
335 West Front Street
Media, Pennsylvania 19063
(610) 566 6625
Tinley 21 100423 Complaint in Mortgage Foreclosure Page 1 of5
McCABE WEISBERG & CONWAY LLC Attorneys for Plaintiff
MARGARET GAIRO ESQUIRE ID # 34419
CHRISTINE L GRAHAM ESQUIRE ID # 309480
MARISA MYERS COHEN ESQUTRE ID # 87830
JOSEPHI FOLEY ESQUIRE ID#314675
LAUREN M MOYER ESQUIRE ID # 320589
CHELSEA A NIXON ESQUIRE ID # 324130
JAMES FRENCH ESQUIRE ID # 319597
123 South Broad Street Suite 1400
Ph11adelphia PA 19109
2 1 3) 790 1010
Citizens Bank, N A , Delaware County
10561 Telegraph Road Court of Common Pleas
Glen Allen VA 23059
CV-2021-006983
V
Elizabeth G Tinley, Known Survivmg Heir
of David P Tinley
333 Mohawk Avenue Apt 2nd
Norwood PA 19074
and
Unknown Surviving Heirs of David P Tinley
664 Schoolside Lane
Swarthmore PA 19081
Defendants
COMPLAINT IN MORTGAGE FORECLOSURE
1 Plaintiff is Citizens Bank, N A , duly organized and doing business at the above
captioned address
Tinley 21 100423 Complaint in Mofigage Foreclosure Page 2 of 5
8/11/2021
Joseph I. Foley
VERIFICATION
/— I
6552;? y 5% hereby states that he/ihg 1s fwd /( 5am LgégéfIikgg ad)
of C1tlzens ank, A , Plaintiff in thls matter, that he/she is authorized to make is
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 1s made subject to the penalties of 18 Pa
C S Sec 4904 relating to unswom falsification to authoritles
A2 q i g / > 7
Nameétyjh 71 [Z/JM/
K“ \
Tltle QVCG/DSWL )vW/Zl Fkfifi (6 ”0012
File # 21 100414
Name C1tizens Bank, N A V Evelyn Puckett, Known Surviving 0f Hanne10re E Eisenhauer
Marieann Flick, Known Survivmg 0f Hanne10re E Elsenhauer, Patricia Eisenhauer, Known
Surv1v1ng of Hanne10re E Elsenhauer, and Unknown SurVIVing Helrs 0f Hannelore E
Eisenhauer
Eisenhauer 21 100414 Complaint in Mortgage Foreclosure Page 6 of 7
Exhibit A
Legal Description
ALL THAT CERTAIN LOT 0R PIECE OF GROUND WITH THE BUILDINGS AND
IMPROVEMENTS THERFON ERECTED SITUATE IN THE TOWNSHIP OF RlDLEY
COUNTY OF DELAWARE AND COMMONWFALTH 0F PENNSY LVANIA DESCRIBED
ACCORDING TO A PLAN MADE OF W A CI ARKE C0 BY DAMON AND POSTER CIVIL
ENGINEERS SHARON HILL, PENNSYLVANIA DATED OCTOBER 7 1957 AS F01 LOWS
BEGINNING AT A POINT ON '1 HE SOUTHEASTERLY SIDE OF SCHOOL HOUSE LANF
(FORMERLY KNOWN AS SEVENTH AVENUE) (FIFTY FEET WIDE) AT THE DISTANCE OF
ONE HUNDRED THIRTY SEVEN AND NINETY THREE ONE HUNDRFDTIIS FEET
MEASURED SOUTH FIFTY THREE DEGREES FORTY SEVEN MINUTES TWELVE
SECONDS WEST ALONG SAMF FROM ITS 1N1 ERSECTION WITH THE
NORTHWESTERLY SIDF OF PARK LANE (FORMERLY SEVENTH AVENUE SPUR)(F1FTY
FEET WIDE) (BOTH LINES PRODUCED) THENCE EXTENDING FROM SAID BEGINNING
POINT SOUTH THIRTY SIX DEGREES TWELVE MINUTES FORTY EIGHT SECONDS EAST
EIGHTY FEET TO A POINT THENCE EXTENDING SOUTH FIFTY THREE DEGREES
FORTY SEVEN MINUTES TWELVE SFCONDS WEST SEVENTY FEE'I TO A POINT
THENCE EXTENDING NORTH THIRTY SIX DEGREES TWELVE MINUTES FORTY
SECONDS WEST EIGHTY FEE] TO A POINT ON THE SOUTHEASTERLY SIDE OF SCHOOL
HOUSE LANE (FORMERLY KNOWN AS SEVENTH AVENUE) AFORESAID THENCE
EXTENDING ALONG SAME NORTH FIFTY THREE DEGREES FORTY SEVEN MINUTES
TWELVE SECONDS EAST SEVENTY FEET TO THE FIRST MENTIONED POINT AND
[’1 ACE OF BEGINNING
BFI1\G THE SAME PROPERTY CONVEYED TO DAVID P TINLEY BY DEED FROM DAVID
P TINLEY RECORDED 12/02/2011 IN DEED BOOK 5028 PAGE 0709 IN THE OFFICE OF THE
RECORDER OF DEEDS 0F DELAWARF COUNTY PENNSYLVANIA
TAX [D #1 38 05-00965 04
Exhibit B
PRESORT
Brock 8| SCOfl PLLC
PO Box 9115
Temecula CA 92589 9115 UFEStPELatZZQAQ'L
Fees Paid
WSO
I#31114 7100 L170 1:053 E75? 61-}
Send Correspondence to
Brock &‘ Scott PLLC RETURN RECEIPT REQUESTED
5431 Oleander Drive
Wilmington NC 28403
DAVID P TINLEY
664 SCHOOLSIDE LANE
Swarthmore PA 19081
CSDRR
0319 7130 11 {J 332 4 .37 :34
Date MdV 26, 2021
Act 91 Not1ce*
La Notificacién de Acto 91*
Save Your Home Frum Foreclosure
This is an official Act 9] Notice You are receiving this notice because Pennsylvania law requires
mortgage lenders to send it to homeowuers 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 Financc A gcncy (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 meetmg 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 t0} 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 I (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 youi face to face meeting whether done in person or remotely A counselor can
0 Help you apply for HEMAP and explain how the program works
0 Talk with your lender about a loan modification or other repayment plan
0 Explain possible options to avoid foreclosure such as loss mitigation, refinancing your loan, selling or
transferring you1 property to a third party or having a third party cure the delinquency on your behalf
through a short sale or. assumption of mortgage
c Provide ieten‘als for other assistance programs or services
0 Explain other rights you may have including your right to assert the non eXIStenLe 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 HEM AP application will not
stop your lender from foreclosing However if your application is approved, a HEMAP assistance loan will
bring your mortgage curl cut and stop the foreclosure HEMAP may also tempmarily help you make futuie
mortgage payments
Alternatively, you may save your home from foreclosure by owing your default That means paying
your lender all amounts cum ently due, including reasonable late charges attorney fees and other costs and by
otheiwise fulfilling your mortgage obligations You may cure the default at any time up to one hour before a
Sheliff‘s Sale, up to th1 ee times in any calendal yea}
If. you have filed a petition in bankruptcy, this notice is provided tor 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 1M PORTANTE 0 LI AME AL
1 800 342 2397
ACT 91 NOTICE PAGE 1
Fecha May 26 202]
Notlficacmn sobre la Ley 91*
t I I
La Notificacién dc Acto 91*
Salve a su Hogar de la Ejecucién Hipotecaria
La presente es una notificacién oficia] sobre la Ley 91 Usted esta recibiendo esta notificacion porque 1a
Icy de Pennsylvania requiem que los prestamistas hipotouarios la cnvien a 103 propietarios dc vivicndas quc sc
encuentren enfrentando una ejecucion hipotecaria hste aviso contiene informacién legal impoflante acerca de
sus derechos y de lo que puede hacer para sal\ ar su hogar ES POSIBLE QUE SEA ELEGIBLE PARA
OBTENER AYUDA CON FONDOS ESTAT ALES del Programa de Asigtencia de Emergencia Hipotecaria
para Duenos dc Hogares (HEMAP, por sus siglas en ingles) um programa dc la Agencia dc Financiamiento dc
Hogares dc Pennsylvania (PHFA, per sus Slglas en ingles)
LLAME A UNA AGENCIA DE ASESORAMIENTO PARA CONCERTAR UNA REUNION
LA SOLICITUD PARA EL HEMAP PUEDE DETENER DE FORMA TEMPORARIA LA EJECLCIOIN DE UNA
HIPOTECA
Para presentar su solicitud, debs celebtdr una reunlc'm presencial con una Agenda dc Asesoria Crediticia
pam 61 Consumidor aprobada por el HEMAI’ anus dL Que tmnsum m 33 alias, a paltir de la fecha de esta
notificacion Esta Ieunion es gratuita y es la {mica manera dc solicitar e] HEMAP Se adjunta una hsta dc
Agenmas dc Asesoria aprobadas Tambien puude encontrar Lma lista en
http //www phfa org/counseling/hemap aspx Si luego dc hablar con una Agencia dc Asesoria tiene alguna
pregunta sobre el HEMAP por favor llama a1 1 (800) 342 2397 Las personas Lon discapacidades auditivas
pueden llamar a1 71 l (RELE)
Con el fin de asegurar que cumpla con el plazo por favor llama a una Agenda dc Asesoria y programe
una reumc’m presencial de immediate Conscwe esta Notificacién sobre la Lay 91 con el Resumen dc Cuenta
adjunto y tengalo dISponible para a su reunion presencial, ya sea en persona 0 de forma remota Un asesor puede
' Ayudarlo a presentar su solicitud a1 HEMAP y explicarle come funciona e] plograma
Hablar con su prestamista acerca de una mod1flcacion del prestamo u otro plan de page
Explicarle 1215 opciones posiblcs pa1a exitdr 1a ejecucion dc la hipoteca, oomo la mitigacion dc
perdidds la refinanciacion del prestamo, la venta o transferencia de 511 propiedad a un tercero. o quc
um tercero pague cl atraso en su nombre, a travcs de una venta a1 descubier’co o asumiendo 1a hipoteca
Derivarlo a otro tipo de asiqtenuia, plograma o senioio
- Explicarle otros derechos que pueda tenet, incluido su derecho de reivindicar Ia no ex1stencia de la
deuda y cualquier otra defensa que tenga
lncluso Si no cumple con el plazo es posible presentar su solicitud para el HEMAP, pero 1a solicitud
tardia a1 HEMAP no impedira clue su prestamista ejccute la hipoteca Sin embalgo, Si se apmeba su solicitud, e]
preatamo de ayuda del HEMAP pondra su hipoteca al clia y detendra 1a ejecucion E1 HEMAP tambien puede
ayudarlo, de manera temp01al, a realizar 103 pages de hipoteca tutu] os
Tambien puede optar per la aitemativa de subsanar cl incumplimiento para salvar a su hogar de la
ejecucion hipotecaria bso significa pagarle a su prestamiata todos los momos adeudados a la actualidad
incluidos 103 cargos moratorios, los honoranos dc abogados y ones costos razonables y cumplir con sus
obligaciones hipotecarias Puedc subsanar e] incumplimiento en cualquicr memento, hasta una hora antes de la
subasta judicial, un maximo de tres veces p01 cada afio calendario
Si usted ha presentado una solicitud dc quiebra esta notificacion 5e proporciona solo con fines
iniormativoa y no es un intento dc cobrar una deuda Usted puede solicitar la ayuda del HEMAP inciugo si esté
protegido p01 una declaracion dc quiebra
*SEE RP VERSE SIDb FOR TRANSLATION OF THIS IMPORTANT NOTICE, OR CALL 1 800 J42 2397
ACT 91 NOTICE PAGE 2
ACT 91 NOTICE
Account Summary
Your Loan Details
Name(s) on Account DAVID P TINLEY
664 Schoolside Ln Swanhmorc, PA 19081
__
How to Contact Your Lender
Legder or Serviger Address 10561 Telegragh Road Glen Allen VA 23059
Lender or Servioer Phone Number ‘ 800 234 6002
Contact P013011 Katrina Chandier
Phone Number 804 627 4067
Katrina D Chandler@citizensbank com
Default Information
5/16/2020 through 5/16/2021
Principal Due $4 419 28
Late Charges Accrued $183 74
NSF Fees $0 00
Inspections $0 00
Property Presc1 vation $0 00
Suspense $0 00
Total $4 603 02
*Pleace be aware thatfees and costs may contmue to accrue through
the duration 0! the delgnguencl
How to Cure the Default
Within 30 Days of the Date on Pay $4,603 02 plus any payment and other changes that have become due
This Notice to your lender or servicer by cash, cash1er's check, certified check or other
means accctable to both attics
Send Payment and Make M ake check payable to
I Payable to Citizens Bank N A
10561 felograph Road
Glen Allen VA 23059
N/A
No, but lease contact our Lender to discuss your 0 [ions
ACT .91 NOTICE PAGE 3
HEMAP Consumer Credit Counseling Agencies
DELAWARE County
Reporl last updu'lcd [0’22 2020 05 48 PM
Affordable Housing Centers of PA American C1 edit Counseling Institute (ACCl)
846 North Broad St 603 Swede St
lst Floor Norristown, PA 19401
Philadelphia PA 19130 888 212 6741
215 765 122]
American Credit Counseling Institute (ACCI) APM Association 01 Puerto Ricans 0n the March
6800 Market St 600 W Diamond St
Ist Floor Philadelphia PA 19122
Upper Darby PA 19082 215 235 6070
888 212 6741
Ciarifl Clarifi
1060 Kings Highway North 710 N Lincoln St
Suite315 Unit 118
Cherry Hill NJ 08034 Wilmington DI: 19805
215 563 5665 215 563 5665
Clarifi Clarlfi
YMCA of Burlington & Camden Counties 8600 West Chester Pike
302 Commelce Squaw Blvd Suite 207
Burlington NJ 08016 Upper Darby PA 19086
800 989 2227 215 563 5665
Clarifi/CCCS of Delaware Valley Clarlfi/CCCS 0f Delamre Vallev
1608 Walnut St 770 E Market St
10th Floor Suite 190
Phi1adelphia PA 19107 West Chestcr PA 193 82
215 563 5665 215 563 5665
Clarifi/CCCS of Delaware Valley Clarifi/CCCS of Delaware Valley
7540 lackson St 101 Greenwood Ave
Philadelphia PA 19136 Suite 340
215 563 5665 Jenkmtown PA 19046
215 563 5665
CIarifi/CCLS of. Dela“ are Valley Clarifi/CCCS of Delaware Valley
1410 West Erie Awe 100 Levittovxn Pkwv
Office #122 2nd Floor
Philadelphia PA 19140 Levittown PA 19054
215 563 5665 215 563 5665
Diversified Community Services Dixon House HACE
1970 South 201171 St 167 V1 Alleghnn) Aw.
Philaddphia PA 19145 2nd Floor
215 336 3511 Philadelphia PA 19140
215 426 8025
HACE Intercultural Famil) Services, Inc
4907 Frankford Ave 4225 Chestnut St
PA 19124 Philadelphh PA 19104
.17 215 3861298
ACT 91 NOTICE PAGE 4
DELAWARE County (Continued )
Report Inst updated 10/22/2020 05 43 PM
Media Fellowship House New Kensington Community Development Corp
102 South Jackson St 2515 Frankford Aw
Media PA 19063 Philadeiphia PA 19125
610 565 0434 215—427 0350
Northwest Counseling Service PathStone Corporation
6521 North Broad St 648 Bucna Vina Dr
Philadulphia PA 19126 Kennett Square PA 19348
215 324 7500 610 925 5600
Phila Council For Community Ad\ ancement Urban 1 eague of Philadelphia
1617 John F Kennedy Blvd 1"] S Broad St
Suite 1550 9th Floor
Philaddphia PA 19103 Philadulphia PA 19107
215 567 7803 215 985 3220
West Oak] am: CDC
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Philadelphia PA 19150
215 224 8339
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Brook 8. Scott PLLC PRESORT
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emecula CA 92589 9115 U S Postage and
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Send Correspondence to
Brock & Scott PLLC RETURN RECEIPT REQUESTED
5431 Oleander Drive
Wilmington NC 28403
DAVlD P TINLEY
333 MOHAWK AVE
Norwood PA 19074
CSDRR
6314 7130 11"0 1092 2797 91
Date May 26, 2(12_1
Act 91 Not1ce*
La Notificacién de Acto 91*
Save Your Home From Foreclosure
This is an official Act 9] Notice You are receiving this notice because Pennsylvania law tequires
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 Homeownei’s Emergency Mortgage Assistance Program (HEMAP), a program of the
Pennsylvania Housing Financc Agency (PHPA)
CALL A COUNSELING AGENCY FOR A MEETING
APPLYING FOR HEMAP NLAY 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 15 also available at
http //www phfa org/counseling/hemap aspx if after speaking with a Counseling Agency you haxe further
questions about HEMAP, please call 1 (800) 342 2397 Individuals with healing 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 youi tace to taco meeting whether done in person or remotely A counselor can
0 Help you apply for HEMAP and explain how the program works
0 Talk with your lender about a loan modification or other repayment plan
- Explain possible options to avoid foreclosure such as loss mitigation, refmancing 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
0 Provide ieteITals for other assrstanee programs or services
I 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
atop your lender hem foreclosing However if your application is approved a HEMAP asaistance loan will
bring your mortgage cunent and stop the toreclosure HEMAP may also tempmanly help you make futiue
mortgage payments
Alternatively, you may save your home from foreclosure by curing your default That means paying
your lender all amounts curl ently 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
Sheliff‘s Sale, up to three times In any calendai year
If you have filed a petition in bankruptcy, this notice is provided for informatlonal 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 0 LI AME AL
1 800 342 2397
ACT 91 NOTICE PAGE 1
Fecha May 26 20”!
Notlficacmn sobre la Ley 91*
C C I
La Notificacién dc Acto 91*
Salve a su Hagar de la Ejecucién Hipotecaria
La presente es una notificacion oficial sobre la Ley 91 Usted estét recibiendo esta notificacién porquc la
Icy de Pennsylvania requiere que 103 p1 estamistas hipotecalios la envien a 103 propletarios de Viviendas que se
encuentren enfrentando una ejecucion hipotecaria bste aviso contiene informacion legal importante acerca de
sus derechos y de lo que puede hacer para salvar su hogar ES POSIBLE QUE SEA ELEGIBLE PARA
OBTEN‘ER AYUDA CON FONDOS ESTATALES del Plograma dc AsistenCIa (la Emergencia Hipotecaria
para Duefios dc Hogares (HEMAP, por sus siglas en ingles), um programa de la Agencia dc Financiamiento dc
Hogares dc Pennsylvania (PHFA, per sus Slglas en ingles)
LLAME A UNA AGENCIA DE ASESO RAMIENTO PARA CONCERTAR UNA REUNION
LA SOLICITUD PARA El HEMAP PUEDE DETENER DE FORMA TEMPORARIA LA EJECLCIOLV DE UNA
HIPOTEC‘X
Para presentar su solicitud, debs celebrar una reunion presencial con una Agenda dc Asesoria Crediticia
pala e] Consumidor aprobada per 61 HEMAP, antes de que transnunan .33 dim a palm de la fecha de esta
notifiLacion Esta leunién es gratuita y es la {mica manera dc solicitzu e] HLMAP Se adjunta una lista de
Agencms dc Asesoria aprobadas Tambien pmde encontrar una lista en
http WWW phfa Olg/counseling/hemap 3.st Si luego de hablar con una Agencia dc Asesoria tiene alguna
prcgunta sabre el HFMAP por favor flame a1 1 (800) 342 2397 Las personas L011 discapacidades auditivas
pucdun 11 1m 1r c1171] (RELE)
Con el fin de asegurar que cumpla con el plazo, por favor llama a una Agenda dc Agesmia y programe
una reunion presencial dc immediate Consewe esta Notlficacion sobre la Ley 91 con el Resumen cle Cuenta
adjunto y tengalo dispomble paw a su reunion presencial, ya sea en perqona 0 de forma remota U11 asesor puede
' Ayudarlo a presentar su solicitud a1 HEMAP y explicarle come funciona 61 plograma
Hablar con su preetamista acerca de una modificacion del prestamo u otro plan de page
- Explicarle las opciones posiblcs p813. exitar 1a ejecucion do [a hipoteca, como la mitlgacion dc
perdidas, la refinanciacion del prestamo, la venta 0 transferencia de 511 proplcdad a 1m tercero o que
un tercero pague e1 atraso en su nombre, a traves de una venta a1 descubierto 0 asumiendo la hipoteca
Derivarlo a otro tipo de asistencia, proglama o selyicio
Explicarle otros derechos que pueda tenet, incluido su derecho de reivindicaI la n0 existenma de la
deuda y cualquier otra defensa que tenga
Incluso Si no cumple con 61 plaza es posible plesentar su solicitud paw cl HEMAP pero la solicitud
tardia a1 HEMAP no impedira que su p1 estamista ejecute la hipoteca Sin emba1 g0, Si se aprueba su solicitud, cl
preqtamo dc ayuda del HEMAP pondra su hipoteca al dia y detendra 1a ejecucién E1 HEMAP tambien puede
ayudarlo, de manera tempOIal, a realizar 103 pages dc hipoteca futulos
Tambien puede optar per la alternativa dc subsanar el incumplimiento para salvar a su hogar de [a
ejecucién hipotecaria 1:50 signified pagarle a su prestamista todos los memos adeudados a la actualidad
incluidos 105 cargos moratorios los honmanos dc abogados y 0mm costos razonables y cumplir con sus
obligaciones hipotecarias Puede subsanar e] incumplimiento en cualquier memento, hasta una hora antes de la
subasta judipial, un maximo de tres veces p01 cada afio calendario
Si usted ha presentado una solicitud de quiebra esta notificacion se proporciona solo con fines
informativo» y no es un intento dc cobrar una deuda Usted puede solicitar 1a ayuda del HEMAP inclueo si esté
protegido por una declaracion dc quiebra
*SEE REVERSE: SIDE FOR TRANSLATION OF THIS IMPORTANT NOTICE, le CALL 1 800 .142 2397
ACT 91 NOTICE PAGE 2
ACT 91 NOTICE
Account Summary
Your Loan Details
Name(s) on Account DAVID P TINLEY
Address ofMor’c a ed P10 erty 664 Schoolside Ln Swarthmorc PA 19081
Account Number XXXXX
How to Contact Your Lender
Cunent Lender or SCWICBI' CITIZENS BANK N A
Lender. or Serv1ceg Address 10561 Telegraph Road Glen Allen VA 23059
Leger or Servicer Phone Rumba 800 234 6002
Contact Pelson 1 Katrina Chandler
Default Information
Month] Pa ments Missed 5/16/2020 throu h 5/16/2021
Principal Due $4 419 28
Late Charges Accrued $183 74
NSF Fees $0 00
Inspections $0 00
Property Preselvation $0 00
Suspense $0 00
Total $4 603 02
Preview
McCABE, WEISBERG & CONWAY, LLC Attorneys for Plaintiff MARGARET GAIRO, ESQUIRE ID # 34419 CHRISTINE L. GRAHAM, ESQUIRE ID # 309480 MARISA MYERS COHEN, ESQUIRE ID # 87830 ANDREW M. LUBIN, ESQUIRE ID # 54297 CHELSEA A. NIXON, ESQUIRE ID # 324130 JAMES FRENCH, ESQUIRE ID # 319597 NATHALIE PAUL, ESQUIRE ID # 309118 123 South Broad Street, Suite 1400 Philadelphia, PA 19109 (215) 790 Citizens Bank, N.A., Delaware County Court of Common Pleas Plaintiff, Number: CV 006983 Elizabeth G. Tinley, Known Surviving Heir of David P. Tinley, and Unknown Surviving Heirs of David P. Tinley, Defendants. PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Kindly reinstate the Complaint in Mortgage Foreclosure in the above captioned matter. McCABE, WEISBERG & CONWAY, LLC BY:______________________________________________________ [ ] Margaret Gairo, Esq. [ ] Marisa Myers Cohen, Esq. [ ] Christine L. Graham, Esq. [ ] Chelsea A. Nixon, Esq. [ ] Andrew M. Lubin, Esq. [ x] Nathalie Paul, Esq. [ ] James French, Esq. Attorneys for Plaintiff Supreme Court of Pennsylvania Court of Common Pleas For Prothonotary Use Only: Civil Cover Sheet Docket No: CV-2021-006983 Delaware County The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service of pleadings or other papers as required by law or rules of court. Commencement of Action: S Complaint Writ of Summons Petition E Transfer from Another Jurisdiction Declaration of Taking C Lead Plaintiff's Name: Citizens Bank, N.A. Lead Defendant's Name: Elizabeth G. Tinley T I Are there money damages requested? Yes No Dollar Amount Requested: within arbitration limits O (check one) outside arbitration limits N Is this a Class Action Suit Yes No Is this an MDJ Appeal Yes No Name of Plaintiff/Appellant’s Attorney: McCabe, Weisberg & Conway, LLC Check here if you have no attorney (a Self-Represented [Pro Se] Litigant Nature of the Case: Place an “X” to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort CONTRACT do not include Judgments CIVIL APPEALS Intentional Buyer Plaintiff Administrative Agencies Malicious Prosecution Debt Collection: Credit Card Board of Assessment Motor Vehicle Debt Collection: Other Board of Elections Nuisance ___________________________ Department of Transportation ___________________________ Statutory Appeal: Other Premises Liability (does not include mass tort ___________________________ Employment Dispute: ___________________________ S Slander/Libel/ Defamation Discrimination E Other: Employment Dispute: Other Zoning Board C _________________________ ___________________________ Other _________________________ ___________________________ ___________________________ T ___________________________ I MASS TORT Other O Asbestos ___________________________ ___________________________ N Tobacco Toxic Tort - DES REAL PROPERTY MISCELLANEOUS Toxic Tort - Implant Ejectment Common Law/Statutory Arbitration Toxic Waste Eminent Domain/Condemnation Declaratory Judgment Other: Ground Rent Mandamus _________________________ Mortgage Foreclosure: Residential Non-Domestic Relations _________________________ Mortgage Foreclosure: Commercial Restraining Order Partition Quo Warranto PROFESSIONAL LIABILITY Replevin ☐ Dental Quiet Title Other: ☐ Legal Other: _________________________ _________________________ ☐ Medical _________________________ _________________________ ☐ Other Professional: ______________________ ______________________ Updated 1/1/2011 CIVIL COVER SHEET AND ENTRY OF APPEARANCE DELAWARE COUNTY COURT OF COMMON PLEAS 1. Case Caption Court Term & No. CV-2021-006983 Citizens Bank, N.A. (Plaintiff) v. Elizabeth G. Tinley, Known Surviving Heir of David P. Tinley and Unknown Surviving Heirs of David P. Tinley 2a. Plaintiff(s) 2b. Defendant(s) Citizens Bank, N.A. Elizabeth G. Tinley, Known Surviving Heir of David P. Tinley 10561 Telegraph Road 333 Mohawk Avenue Apt 2nd Glen Allen, VA 23059 Norwood, Pennsylvania 19074 Unknown Surviving Heirs of David P. Tinley 664 Schoolside Lane Swarthmore, Pennsylvania 19081 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 Citizens Bank, N.A., (a) plaintiff in this action. Papers may be served at the address sent forth below. Margaret Gairo, Esq., Christine L. Graham, Esq., Esq., Joseph I. Foley, Esq., Address: 123 South Broad Street, #1400 Lauren M. Moyer, Esq., Chelsea A. Nixon, Esq. Attorney for party named above (Please Print) Philadelphia, PA 19109 MG #34419, CLG #309480, JIF #314675, LMM #320589, CAN #324130 Telephone: (215) 790-1010 Fax:(215) 790-1274 Attorney I.D. Number E-Mail: ______________________________ Joseph I. Foley 8/11/2021 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 ____ Assault and Battery ____ Minor Court Libel and Slander ____ Money Judgement ____ 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 of 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 __________________ ____ ACTIONS COMMENCED BY WRIT Declaratory Judgement ____ OF SUMMONS OR COMPLAINT Ground Rent ____ Abuse of Process ____ Mandamus ____ Action for Wrongful Death ____ Real Property Class Action ____ Ejectment ____ Confession of Judgement/Money ____ Quiet Title ____ Confession of Judgement/ Mortgage Foreclosure X Real Property ____ Mechanics Lien ____ Contract ____ Partition ____ Construction ____ Prevent Waste ____ Insurance/Bad Faith ____ Replevin ____ Negotiable Instruments ____ Saving Action Um/Uim ____ Other ___________________ ____ Quo Warranto ____ Other ________________________ ____ CV-2021-006983 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 call. You can have 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. 21-100423 IF 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. 21-100423 NOTICE AVISO You have been sued in court Ifyou 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 ex puestas en Ias paginas siguientes, usted within twenty (20) days after this complaint tiene veinte (20) dias dc plazo a1 partir de la and notice are served, by entering a written fecha de la demanday 1a notificacion Hace appearance personally or by attorney and falta asentar una comparencia escrita 0 en filing in writing with the court your defenses persona 0 con un abogado y entregar a la or objections to the claims set forth against corte en forma escrita sus defensas o sus you You are warned that if you fail to do objeciones a las demandas en contra de su so the case may proceed without you and a persona Sea avisado que si usted no se judgment may be entered against you by the defiende, 1a corte tomara medidas y puede court without further notice for any money continuar la demanda en contra suya sin claimed in the complaint or for any other previo aviso o notificacion Ademas, la claim or relief requested by the plaintiff corte puede decidir afavor del demandante You may lose money or property or other y requiere que usted cumpla con todas las rights important to you provisiones de esta demanda Usted puede perder dinero o sus propiedades u otros YOU SHOULD TAKE THIS PAPER derechos importantes para usted TO YOUR LAWYER AT ONCE IF YOU DO NOT HAVE A LAWYER GO TO OR USTED LE DEBE TOMAR ESTE TELEPHONE THE OFFICE SET FORTH PAPEL A SU ABOGADO BELOW THIS OFFICE CAN PROVIDE INMEDIATAMENTE SI USTED NO YOU WITH INFORMATION ABOUT TIENE A UN ABOGADO VA A O HIRING A LAWYER TELEFONEA LA OFICINA EXPUSO IF YOU CANNOT AFFORD TO HIRE ABAJO ESTA OFICINA LO PUEDE A LAWYER THIS OFFICE MAY BE PROPORCIONAR CON INFORMATION ABLE TO PROVIDE YOU WITH ACERCA DE EMPLEAR A UN INFORMATION ABOUT AGENCIES ABOGADO THAT MAY OFFER LEGAL SERVICES SI USTED N0 PUEDE TO ELIGIBLE PERSONS AT A PROPORCIONAR PARA EMPLEAR UN REDUCED FEE OR NO FEE ABOGADO ESTA OFICTNA PUEDE SER CAPAZ DE PROPORCIONARLO CON Lawyers Reference Sewice INFORMACION ACERCA DE LAS Delaware County Bar Association AGENCIAS QUE PUEDEN OFRECER 335 West Front Street LOS SERVICIOS LEGALES A Media Pennsylvania 19063 PERSONAS ELEGIBLES EN UN (610) 566 6625 HONORARIO REDUCIDO NI NINGUN HONORARIO Lawyers Reference Service Delaware County Bar Association 335 West Front Street Media, Pennsylvania 19063 (610) 566 6625 Tinley 21 100423 Complaint in Mortgage Foreclosure Page 1 of5 McCABE WEISBERG & CONWAY LLC Attorneys for Plaintiff MARGARET GAIRO ESQUIRE ID # 34419 CHRISTINE L GRAHAM ESQUIRE ID # 309480 MARISA MYERS COHEN ESQUTRE ID # 87830 JOSEPHI FOLEY ESQUIRE ID#314675 LAUREN M MOYER ESQUIRE ID # 320589 CHELSEA A NIXON ESQUIRE ID # 324130 JAMES FRENCH ESQUIRE ID # 319597 123 South Broad Street Suite 1400 Ph11adelphia PA 19109 2 1 3) 790 1010 Citizens Bank, N A , Delaware County 10561 Telegraph Road Court of Common Pleas Glen Allen VA 23059 CV-2021-006983 V Elizabeth G Tinley, Known Survivmg Heir of David P Tinley 333 Mohawk Avenue Apt 2nd Norwood PA 19074 and Unknown Surviving Heirs of David P Tinley 664 Schoolside Lane Swarthmore PA 19081 Defendants COMPLAINT IN MORTGAGE FORECLOSURE 1 Plaintiff is Citizens Bank, N A , duly organized and doing business at the above captioned address Tinley 21 100423 Complaint in Mofigage Foreclosure Page 2 of 5 8/11/2021 Joseph I. Foley VERIFICATION /— I 6552;? y 5% hereby states that he/ihg 1s fwd /( 5am LgégéfIikgg ad) of C1tlzens ank, A , Plaintiff in thls matter, that he/she is authorized to make is 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 1s made subject to the penalties of 18 Pa C S Sec 4904 relating to unswom falsification to authoritles A2 q i g / > 7 Nameétyjh 71 [Z/JM/ K“ \ Tltle QVCG/DSWL )vW/Zl Fkfifi (6 ”0012 File # 21 100414 Name C1tizens Bank, N A V Evelyn Puckett, Known Surviving 0f Hanne10re E Eisenhauer Marieann Flick, Known Survivmg 0f Hanne10re E Elsenhauer, Patricia Eisenhauer, Known Surv1v1ng of Hanne10re E Elsenhauer, and Unknown SurVIVing Helrs 0f Hannelore E Eisenhauer Eisenhauer 21 100414 Complaint in Mortgage Foreclosure Page 6 of 7 Exhibit A Legal Description ALL THAT CERTAIN LOT 0R PIECE OF GROUND WITH THE BUILDINGS AND IMPROVEMENTS THERFON ERECTED SITUATE IN THE TOWNSHIP OF RlDLEY COUNTY OF DELAWARE AND COMMONWFALTH 0F PENNSY LVANIA DESCRIBED ACCORDING TO A PLAN MADE OF W A CI ARKE C0 BY DAMON AND POSTER CIVIL ENGINEERS SHARON HILL, PENNSYLVANIA DATED OCTOBER 7 1957 AS F01 LOWS BEGINNING AT A POINT ON '1 HE SOUTHEASTERLY SIDE OF SCHOOL HOUSE LANF (FORMERLY KNOWN AS SEVENTH AVENUE) (FIFTY FEET WIDE) AT THE DISTANCE OF ONE HUNDRED THIRTY SEVEN AND NINETY THREE ONE HUNDRFDTIIS FEET MEASURED SOUTH FIFTY THREE DEGREES FORTY SEVEN MINUTES TWELVE SECONDS WEST ALONG SAMF FROM ITS 1N1 ERSECTION WITH THE NORTHWESTERLY SIDF OF PARK LANE (FORMERLY SEVENTH AVENUE SPUR)(F1FTY FEET WIDE) (BOTH LINES PRODUCED) THENCE EXTENDING FROM SAID BEGINNING POINT SOUTH THIRTY SIX DEGREES TWELVE MINUTES FORTY EIGHT SECONDS EAST EIGHTY FEET TO A POINT THENCE EXTENDING SOUTH FIFTY THREE DEGREES FORTY SEVEN MINUTES TWELVE SFCONDS WEST SEVENTY FEE'I TO A POINT THENCE EXTENDING NORTH THIRTY SIX DEGREES TWELVE MINUTES FORTY SECONDS WEST EIGHTY FEE] TO A POINT ON THE SOUTHEASTERLY SIDE OF SCHOOL HOUSE LANE (FORMERLY KNOWN AS SEVENTH AVENUE) AFORESAID THENCE EXTENDING ALONG SAME NORTH FIFTY THREE DEGREES FORTY SEVEN MINUTES TWELVE SECONDS EAST SEVENTY FEET TO THE FIRST MENTIONED POINT AND [’1 ACE OF BEGINNING BFI1\G THE SAME PROPERTY CONVEYED TO DAVID P TINLEY BY DEED FROM DAVID P TINLEY RECORDED 12/02/2011 IN DEED BOOK 5028 PAGE 0709 IN THE OFFICE OF THE RECORDER OF DEEDS 0F DELAWARF COUNTY PENNSYLVANIA TAX [D #1 38 05-00965 04 Exhibit B PRESORT Brock 8| SCOfl PLLC PO Box 9115 Temecula CA 92589 9115 UFEStPELatZZQAQ'L Fees Paid WSO I#31114 7100 L170 1:053 E75? 61-} Send Correspondence to Brock &‘ Scott PLLC RETURN RECEIPT REQUESTED 5431 Oleander Drive Wilmington NC 28403 DAVID P TINLEY 664 SCHOOLSIDE LANE Swarthmore PA 19081 CSDRR 0319 7130 11 {J 332 4 .37 :34 Date MdV 26, 2021 Act 91 Not1ce* La Notificacién de Acto 91* Save Your Home Frum Foreclosure This is an official Act 9] Notice You are receiving this notice because Pennsylvania law requires mortgage lenders to send it to homeowuers 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 Financc A gcncy (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 meetmg 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 t0} 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 I (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 youi face to face meeting whether done in person or remotely A counselor can 0 Help you apply for HEMAP and explain how the program works 0 Talk with your lender about a loan modification or other repayment plan 0 Explain possible options to avoid foreclosure such as loss mitigation, refinancing your loan, selling or transferring you1 property to a third party or having a third party cure the delinquency on your behalf through a short sale or. assumption of mortgage c Provide ieten‘als for other assistance programs or services 0 Explain other rights you may have including your right to assert the non eXIStenLe 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 HEM AP application will not stop your lender from foreclosing However if your application is approved, a HEMAP assistance loan will bring your mortgage curl cut and stop the foreclosure HEMAP may also tempmarily help you make futuie mortgage payments Alternatively, you may save your home from foreclosure by owing your default That means paying your lender all amounts cum ently due, including reasonable late charges attorney fees and other costs and by otheiwise fulfilling your mortgage obligations You may cure the default at any time up to one hour before a Sheliff‘s Sale, up to th1 ee times in any calendal yea} If. you have filed a petition in bankruptcy, this notice is provided tor 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 1M PORTANTE 0 LI AME AL 1 800 342 2397 ACT 91 NOTICE PAGE 1 Fecha May 26 202] Notlficacmn sobre la Ley 91* t I I La Notificacién dc Acto 91* Salve a su Hogar de la Ejecucién Hipotecaria La presente es una notificacién oficia] sobre la Ley 91 Usted esta recibiendo esta notificacion porque 1a Icy de Pennsylvania requiem que los prestamistas hipotouarios la cnvien a 103 propietarios dc vivicndas quc sc encuentren enfrentando una ejecucion hipotecaria hste aviso contiene informacién legal impoflante acerca de sus derechos y de lo que puede hacer para sal\ ar su hogar ES POSIBLE QUE SEA ELEGIBLE PARA OBTENER AYUDA CON FONDOS ESTAT ALES del Programa de Asigtencia de Emergencia Hipotecaria para Duenos dc Hogares (HEMAP, por sus siglas en ingles) um programa dc la Agencia dc Financiamiento dc Hogares dc Pennsylvania (PHFA, per sus Slglas en ingles) LLAME A UNA AGENCIA DE ASESORAMIENTO PARA CONCERTAR UNA REUNION LA SOLICITUD PARA EL HEMAP PUEDE DETENER DE FORMA TEMPORARIA LA EJECLCIOIN DE UNA HIPOTECA Para presentar su solicitud, debs celebtdr una reunlc'm presencial con una Agenda dc Asesoria Crediticia pam 61 Consumidor aprobada por el HEMAI’ anus dL Que tmnsum m 33 alias, a paltir de la fecha de esta notificacion Esta Ieunion es gratuita y es la {mica manera dc solicitar e] HEMAP Se adjunta una hsta dc Agenmas dc Asesoria aprobadas Tambien puude encontrar Lma lista en http //www phfa org/counseling/hemap aspx Si luego dc hablar con una Agencia dc Asesoria tiene alguna pregunta sobre el HEMAP por favor llama a1 1 (800) 342 2397 Las personas Lon discapacidades auditivas pueden llamar a1 71 l (RELE) Con el fin de asegurar que cumpla con el plazo por favor llama a una Agenda dc Asesoria y programe una reumc’m presencial de immediate Conscwe esta Notificacién sobre la Lay 91 con el Resumen dc Cuenta adjunto y tengalo dISponible para a su reunion presencial, ya sea en persona 0 de forma remota Un asesor puede ' Ayudarlo a presentar su solicitud a1 HEMAP y explicarle come funciona e] plograma Hablar con su prestamista acerca de una mod1flcacion del prestamo u otro plan de page Explicarle 1215 opciones posiblcs pa1a exitdr 1a ejecucion dc la hipoteca, oomo la mitigacion dc perdidds la refinanciacion del prestamo, la venta o transferencia de 511 propiedad a un tercero. o quc um tercero pague cl atraso en su nombre, a travcs de una venta a1 descubier’co o asumiendo 1a hipoteca Derivarlo a otro tipo de asiqtenuia, plograma o senioio - Explicarle otros derechos que pueda tenet, incluido su derecho de reivindicar Ia no ex1stencia de la deuda y cualquier otra defensa que tenga lncluso Si no cumple con el plazo es posible presentar su solicitud para el HEMAP, pero 1a solicitud tardia a1 HEMAP no impedira clue su prestamista ejccute la hipoteca Sin embalgo, Si se apmeba su solicitud, e] preatamo de ayuda del HEMAP pondra su hipoteca al clia y detendra 1a ejecucion E1 HEMAP tambien puede ayudarlo, de manera temp01al, a realizar 103 pages de hipoteca tutu] os Tambien puede optar per la aitemativa de subsanar cl incumplimiento para salvar a su hogar de la ejecucion hipotecaria bso significa pagarle a su prestamiata todos los momos adeudados a la actualidad incluidos 103 cargos moratorios, los honoranos dc abogados y ones costos razonables y cumplir con sus obligaciones hipotecarias Puedc subsanar e] incumplimiento en cualquicr memento, hasta una hora antes de la subasta judicial, un maximo de tres veces p01 cada afio calendario Si usted ha presentado una solicitud dc quiebra esta notificacion 5e proporciona solo con fines iniormativoa y no es un intento dc cobrar una deuda Usted puede solicitar la ayuda del HEMAP inciugo si esté protegido p01 una declaracion dc quiebra *SEE RP VERSE SIDb FOR TRANSLATION OF THIS IMPORTANT NOTICE, OR CALL 1 800 J42 2397 ACT 91 NOTICE PAGE 2 ACT 91 NOTICE Account Summary Your Loan Details Name(s) on Account DAVID P TINLEY 664 Schoolside Ln Swanhmorc, PA 19081 __ How to Contact Your Lender Legder or Serviger Address 10561 Telegragh Road Glen Allen VA 23059 Lender or Servioer Phone Number ‘ 800 234 6002 Contact P013011 Katrina Chandier Phone Number 804 627 4067 Katrina D Chandler@citizensbank com Default Information 5/16/2020 through 5/16/2021 Principal Due $4 419 28 Late Charges Accrued $183 74 NSF Fees $0 00 Inspections $0 00 Property Presc1 vation $0 00 Suspense $0 00 Total $4 603 02 *Pleace be aware thatfees and costs may contmue to accrue through the duration 0! the delgnguencl How to Cure the Default Within 30 Days of the Date on Pay $4,603 02 plus any payment and other changes that have become due This Notice to your lender or servicer by cash, cash1er's check, certified check or other means accctable to both attics Send Payment and Make M ake check payable to I Payable to Citizens Bank N A 10561 felograph Road Glen Allen VA 23059 N/A No, but lease contact our Lender to discuss your 0 [ions ACT .91 NOTICE PAGE 3 HEMAP Consumer Credit Counseling Agencies DELAWARE County Reporl last updu'lcd [0’22 2020 05 48 PM Affordable Housing Centers of PA American C1 edit Counseling Institute (ACCl) 846 North Broad St 603 Swede St lst Floor Norristown, PA 19401 Philadelphia PA 19130 888 212 6741 215 765 122] American Credit Counseling Institute (ACCI) APM Association 01 Puerto Ricans 0n the March 6800 Market St 600 W Diamond St Ist Floor Philadelphia PA 19122 Upper Darby PA 19082 215 235 6070 888 212 6741 Ciarifl Clarifi 1060 Kings Highway North 710 N Lincoln St Suite315 Unit 118 Cherry Hill NJ 08034 Wilmington DI: 19805 215 563 5665 215 563 5665 Clarifi Clarlfi YMCA of Burlington & Camden Counties 8600 West Chester Pike 302 Commelce Squaw Blvd Suite 207 Burlington NJ 08016 Upper Darby PA 19086 800 989 2227 215 563 5665 Clarifi/CCCS of Delaware Valley Clarlfi/CCCS 0f Delamre Vallev 1608 Walnut St 770 E Market St 10th Floor Suite 190 Phi1adelphia PA 19107 West Chestcr PA 193 82 215 563 5665 215 563 5665 Clarifi/CCCS of Delaware Valley Clarifi/CCCS of Delaware Valley 7540 lackson St 101 Greenwood Ave Philadelphia PA 19136 Suite 340 215 563 5665 Jenkmtown PA 19046 215 563 5665 CIarifi/CCLS of. Dela“ are Valley Clarifi/CCCS of Delaware Valley 1410 West Erie Awe 100 Levittovxn Pkwv Office #122 2nd Floor Philadelphia PA 19140 Levittown PA 19054 215 563 5665 215 563 5665 Diversified Community Services Dixon House HACE 1970 South 201171 St 167 V1 Alleghnn) Aw. Philaddphia PA 19145 2nd Floor 215 336 3511 Philadelphia PA 19140 215 426 8025 HACE Intercultural Famil) Services, Inc 4907 Frankford Ave 4225 Chestnut St PA 19124 Philadelphh PA 19104 .17 215 3861298 ACT 91 NOTICE PAGE 4 DELAWARE County (Continued ) Report Inst updated 10/22/2020 05 43 PM Media Fellowship House New Kensington Community Development Corp 102 South Jackson St 2515 Frankford Aw Media PA 19063 Philadeiphia PA 19125 610 565 0434 215—427 0350 Northwest Counseling Service PathStone Corporation 6521 North Broad St 648 Bucna Vina Dr Philadulphia PA 19126 Kennett Square PA 19348 215 324 7500 610 925 5600 Phila Council For Community Ad\ ancement Urban 1 eague of Philadelphia 1617 John F Kennedy Blvd 1"] S Broad St Suite 1550 9th Floor Philaddphia PA 19103 Philadulphia PA 19107 215 567 7803 215 985 3220 West Oak] am: CDC 2502 06 W Cheltenham Ave Philadelphia PA 19150 215 224 8339 -5. .LOIKE PAGES Brook 8. Scott PLLC PRESORT :0 Box 9115 First Class Mail emecula CA 92589 9115 U S Postage and Fees Paid W80 “131M 71.00 1.1.70 1.052 275? “ll Send Correspondence to Brock & Scott PLLC RETURN RECEIPT REQUESTED 5431 Oleander Drive Wilmington NC 28403 DAVlD P TINLEY 333 MOHAWK AVE Norwood PA 19074 CSDRR 6314 7130 11"0 1092 2797 91 Date May 26, 2(12_1 Act 91 Not1ce* La Notificacién de Acto 91* Save Your Home From Foreclosure This is an official Act 9] Notice You are receiving this notice because Pennsylvania law tequires 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 Homeownei’s Emergency Mortgage Assistance Program (HEMAP), a program of the Pennsylvania Housing Financc Agency (PHPA) CALL A COUNSELING AGENCY FOR A MEETING APPLYING FOR HEMAP NLAY 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 15 also available at http //www phfa org/counseling/hemap aspx if after speaking with a Counseling Agency you haxe further questions about HEMAP, please call 1 (800) 342 2397 Individuals with healing 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 youi tace to taco meeting whether done in person or remotely A counselor can 0 Help you apply for HEMAP and explain how the program works 0 Talk with your lender about a loan modification or other repayment plan - Explain possible options to avoid foreclosure such as loss mitigation, refmancing 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 0 Provide ieteITals for other assrstanee programs or services I 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 atop your lender hem foreclosing However if your application is approved a HEMAP asaistance loan will bring your mortgage cunent and stop the toreclosure HEMAP may also tempmanly help you make futiue mortgage payments Alternatively, you may save your home from foreclosure by curing your default That means paying your lender all amounts curl ently 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 Sheliff‘s Sale, up to three times In any calendai year If you have filed a petition in bankruptcy, this notice is provided for informatlonal 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 0 LI AME AL 1 800 342 2397 ACT 91 NOTICE PAGE 1 Fecha May 26 20”! Notlficacmn sobre la Ley 91* C C I La Notificacién dc Acto 91* Salve a su Hagar de la Ejecucién Hipotecaria La presente es una notificacion oficial sobre la Ley 91 Usted estét recibiendo esta notificacién porquc la Icy de Pennsylvania requiere que 103 p1 estamistas hipotecalios la envien a 103 propletarios de Viviendas que se encuentren enfrentando una ejecucion hipotecaria bste aviso contiene informacion legal importante acerca de sus derechos y de lo que puede hacer para salvar su hogar ES POSIBLE QUE SEA ELEGIBLE PARA OBTEN‘ER AYUDA CON FONDOS ESTATALES del Plograma dc AsistenCIa (la Emergencia Hipotecaria para Duefios dc Hogares (HEMAP, por sus siglas en ingles), um programa de la Agencia dc Financiamiento dc Hogares dc Pennsylvania (PHFA, per sus Slglas en ingles) LLAME A UNA AGENCIA DE ASESO RAMIENTO PARA CONCERTAR UNA REUNION LA SOLICITUD PARA El HEMAP PUEDE DETENER DE FORMA TEMPORARIA LA EJECLCIOLV DE UNA HIPOTEC‘X Para presentar su solicitud, debs celebrar una reunion presencial con una Agenda dc Asesoria Crediticia pala e] Consumidor aprobada per 61 HEMAP, antes de que transnunan .33 dim a palm de la fecha de esta notifiLacion Esta leunién es gratuita y es la {mica manera dc solicitzu e] HLMAP Se adjunta una lista de Agencms dc Asesoria aprobadas Tambien pmde encontrar una lista en http WWW phfa Olg/counseling/hemap 3.st Si luego de hablar con una Agencia dc Asesoria tiene alguna prcgunta sabre el HFMAP por favor flame a1 1 (800) 342 2397 Las personas L011 discapacidades auditivas pucdun 11 1m 1r c1171] (RELE) Con el fin de asegurar que cumpla con el plazo, por favor llama a una Agenda dc Agesmia y programe una reunion presencial dc immediate Consewe esta Notlficacion sobre la Ley 91 con el Resumen cle Cuenta adjunto y tengalo dispomble paw a su reunion presencial, ya sea en perqona 0 de forma remota U11 asesor puede ' Ayudarlo a presentar su solicitud a1 HEMAP y explicarle come funciona 61 plograma Hablar con su preetamista acerca de una modificacion del prestamo u otro plan de page - Explicarle las opciones posiblcs p813. exitar 1a ejecucion do [a hipoteca, como la mitlgacion dc perdidas, la refinanciacion del prestamo, la venta 0 transferencia de 511 proplcdad a 1m tercero o que un tercero pague e1 atraso en su nombre, a traves de una venta a1 descubierto 0 asumiendo la hipoteca Derivarlo a otro tipo de asistencia, proglama o selyicio Explicarle otros derechos que pueda tenet, incluido su derecho de reivindicaI la n0 existenma de la deuda y cualquier otra defensa que tenga Incluso Si no cumple con 61 plaza es posible plesentar su solicitud paw cl HEMAP pero la solicitud tardia a1 HEMAP no impedira que su p1 estamista ejecute la hipoteca Sin emba1 g0, Si se aprueba su solicitud, cl preqtamo dc ayuda del HEMAP pondra su hipoteca al dia y detendra 1a ejecucién E1 HEMAP tambien puede ayudarlo, de manera tempOIal, a realizar 103 pages dc hipoteca futulos Tambien puede optar per la alternativa dc subsanar el incumplimiento para salvar a su hogar de [a ejecucién hipotecaria 1:50 signified pagarle a su prestamista todos los memos adeudados a la actualidad incluidos 105 cargos moratorios los honmanos dc abogados y 0mm costos razonables y cumplir con sus obligaciones hipotecarias Puede subsanar e] incumplimiento en cualquier memento, hasta una hora antes de la subasta judipial, un maximo de tres veces p01 cada afio calendario Si usted ha presentado una solicitud de quiebra esta notificacion se proporciona solo con fines informativo» y no es un intento dc cobrar una deuda Usted puede solicitar 1a ayuda del HEMAP inclueo si esté protegido por una declaracion dc quiebra *SEE REVERSE: SIDE FOR TRANSLATION OF THIS IMPORTANT NOTICE, le CALL 1 800 .142 2397 ACT 91 NOTICE PAGE 2 ACT 91 NOTICE Account Summary Your Loan Details Name(s) on Account DAVID P TINLEY Address ofMor’c a ed P10 erty 664 Schoolside Ln Swarthmorc PA 19081 Account Number XXXXX How to Contact Your Lender Cunent Lender or SCWICBI' CITIZENS BANK N A Lender. or Serv1ceg Address 10561 Telegraph Road Glen Allen VA 23059 Leger or Servicer Phone Rumba 800 234 6002 Contact Pelson 1 Katrina Chandler Default Information Month] Pa ments Missed 5/16/2020 throu h 5/16/2021 Principal Due $4 419 28 Late Charges Accrued $183 74 NSF Fees $0 00 Inspections $0 00 Property Preselvation $0 00 Suspense $0 00 Total $4 603 02