Preview
CIVIL COVER SHEET AND ENTRY OF APPEARANCE
DELAWARE COUNTY COURT OF COMMON PLEAS
1. Case Caption Court Term & No.
Citizens Bank, N.A. (Plaintiff)
Virginia A. Thompson
2a. Plaintiff(s) 2b. Defendant(s)
Citizens Bank, N.A. Virginia A. Thompson
10561 Telegraph Road 911 Broadway Ave
Glen Allen, VA 23059 Secane, Pennsylvania 19018-000
3a. Related Cases? Yes 3b. Case Subject to Coordination Order? Yes
Ifyes, show Caption and Date of Order
4, Entry of Appearance
To the Office of Judicial Support:
Kindly enter my appearance on behalf of Citizens Bank, N.A., (a) plaintiff in this
action. Papers may be served at the address sent forth below.
Christine L. Graham, Esquire, Marisa Myers Cohen, Esquire, Andrew M. Lubin, Address: 1420 Walnut Street, Suite 1501
Esquire, Chelsea A. Nixon, Esquire, Nathalie Paul, Esquire, Joseph I. Foley,
Esquire Philadelphia, PA 19102
Attorney for party named above (Please Print)
CLG # 309480, MMC # 87830, AML # 54297, CAN # 324130, NP # 309118, JIF Telephone: (215) 790-1010 Fax:(215) 790-1274
#314675 E-Mail:
Attorney ILD. Number
Qeeyph Foley 3/22/24
Att@ney Signature Z 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
Real Property Mechanics Lien
Contract Partition
Construction Prevent Waste
Insurance/Bad Faith Replevin
Negotiable Instruments Saving Action Um/Uim
Other Quo Warranto
Other
Court oF CoMMON PLEAS HAR
pis
ee
xaia
|
ent
\ e é
DELAWARE COUNTY
‘THIRTY SECOND JUDICIAL DISTRICT
eeAO
CourtHouse
MspIA, DELAWARE COUNTY, PENNSYLVANIA ——
19063
Important Notice
Date of Service of this Notice:
(to be completed by the Sheriff's Deputy upon Service of Complaint)
Under a new Pilot Program sponsored by the Court of Common Pleas of Delaware County,
and the Sheriffof Delaware County, you may be eligible to get help with your Mortgage.
Call the Save Your Home Hotline at 800-989-2227
To be eligible for any stay, you must be the owner or an heir to a deceased owner of the
property which is the subject of the Action of Mortgage Foreclosure and you must occupy the
property which is the subject of this Action.of Mortgage Foreclosure as your principal residence.
You will discuss your mortgage foreclosure with an independent and professional Housing
Counselor who will work with you to review your finances and work with your lender to try and
resolve the mortgage foreclosure action. The Housing Counselor is available to you AT NO
CHARGE. Once you call this number, the Housing Counselor will contact the lender’s attorney
and the Court sanctioned thirty (30) day delay of the Action in Mortgage Foreclosure will go into
effect, all you have do is eall.
You can haye the Action of Mortgage Foreclosure delayed for up to thirty (30) days so that
you can participate in a conference with your Housing Counselor and submit a loan resolution
proposal to the lender and their attorney. This may assist you in saving your home from
foreclosure.
Call the Save Your Home Hotline at 800-989-2227
Make this call today to save your home. If you do not call within thirty (30) days from the
day this notice has been served on you or a member of your household by the Sheriff, you may
not be eligible for this program, but you may have other legal ways to delay the foreclosure
action.
23-101024
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.
23-101024
NOTICE AVISO
You have been sued in court. If you wish to Le han demandado a usted en la corte. Si usted
defend against the claims set forth in the quiere defenderse de estas demandas ex-puestas
following pages, you must take action within en las paginas siguientes, usted tiene veinte (20)
twenty (20) days after this complaint and notice dias de plazo al partir de la fecha de la demanda y
are served, by entering a written appearance la_notificacion. Hace falta asentar una
personally or by attorney and filing in writing comparencia escrita o en persona o con un
with the court your defenses or objections to the abogado y entregar a la corte en forma escrita sus
claims set forth against you. You are warned that defensas o sus objeciones a las demandas en
if you fail to do so the case may proceed without contra de su persona. Sea avisado que'si ustedno
you and a judgment may be entered against you se defiende, la corte tomara medidas"y puede
by the court without further notice for any money continuar la demanda en contra suya sin previo
claimed in the complaint or for any other claim or aviso 0 notificacion. Ademas, la corte puede
relief requested by the plaintiff. You may lose decidir a favor del demandante y requiere que
money or property or other rights important to usted cumpla con todas las provisiones de esta
you. demanda. Usted puede perder dinero o sus
propiedades u otros derechos importantes para
YOU SHOULD TAKE THIS PAPER TO usted.
YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, GO TO OR TELEPHONE USTED LE DEBE TOMAR ESTE PAPEL
THE OFFICE SET FORTH BELOW. THIS A SU ABOGADO INMEDIATAMENTE. SI
OFFICE CAN PROVIDE YOU WITH USTED NO TIENE A UN ABOGADO, VA AO
INFORMATION ABOUT HIRING A TELEFONEA LA OFICINA EXPUSO ABAJO.
LAWYER. ESTA OFICINA LO PUEDE PROPORCIONAR
IF YOU CANNOT AFFORD TO HIRE A CON INFORMATION ACERCA DE
LAWYER, THIS OFFICE MAY BE ABLE TO EMPLEAR A UN ABOGADO.
PROVIDE YOU WITH INFORMATION SI USTED NO PUEDE PROPORCIONAR
ABOUT AGENCIES THAT MAY OFFER PARA EMPLEAR UN ABOGADO, ESTA
LEGAL SERVICES TO ELIGIBLE PERSONS OFICINA PUEDE SER CAPAZ DE
AT A REDUCED FEE OR NO FEE. PROPORCIONARLO CON INFORMACION
ACERCA DE LAS AGENCIAS QUE PUEDEN
Lawyers Reference Service OFRECER LOS SERVICIOS LEGALES A
Delaware County Bar Association PERSONAS ELEGIBLES EN UN
335 West Front Street HONORARIO REDUCIDO NI NINGUN
Media, Pennsylvania 19063 HONORARIO.
(610) 566-6625
Lawyers Reference Service
Delaware County Bar Association
335 West Front Street
Media, Pennsylvania 19063
(610) 566-6625
Thompson 23-101024 Complaint in Mortgage Foreclosure Page 1 of 5
McCABE, WEISBERG & CONWAY, LLC Attormeys for Plaintiff
CHRISTINE L. GRAHAM, ESQUIRE - ID # 309480
MARISA MYERS COHEN, ESQUIRE - ID # 87830
ANDREW M. LUBIN, ESQUIRE - ID # 54297
CHELSEA A. NIXON, ESQUIRE — ID # 324130
NATHALIE PAUL, ESQUIRE — ID # 309118
JOSEPH I. FOLEY, ESQUIRE - ID # 314675
1420 Walnut Street, Suite 1501
Philadelphia, PA 19102
(215) 790-1010
Citizens Bank, N.A., Delaware County
10561 Telegraph Road Court of Common Pleas
Glen Allen, VA 23059,
Plaintiff, Number;
Vv.
Virginia A. Thompson
911 Broadway Ave
Secane, PA 19018-000,
Defendant.
Thompson 23-101024 Complaint in Mortgage Foreclosure Page 2 of 5
COMPLAINT IN MORTGAGE FORECLOSURE
1 Plaintiff is Citizens Bank, N.A., duly organized and doing business at the above-
captioned address.
2. The Defendant is Virginia A. Thompson, who is a mortgagor and real owner of the
mortgaged property hereinafter described, and his/her last-known address is 911 Broadway Ave,
Secane, PA 19018-000.
3 On February 6, 2013, Virginia A. Thompson, made, executed and delivered a
Mortgage upon the premises hereinafter described to Citizens Bank of Pennsylvania which
Mortgage is recorded in the Office of the Recorder of Delaware County as Instrument Number
2013013797 (“the Mortgage”), the Mortgage is incorporated herein by reference pursuant to
Pa.R.C.P. 1019(g).
4 On February 6, 2013, Virginia A. Thompson, also executed a promissory note
secured by the Mortgage (“the Note”). Plaintiff, directly or through an agent, is in possession of the
Note and is the holder of the Note with the right to enforce it; the Note is either made payable to
plaintiff or has been duly indorsed.
5 Subsequently thereto, Citizens Bank of Pennsylvania changed its name to Citizens
Bank N.A., and became known as Citizens Bank N.A, Plaintiff herein.
6 The premises subject to the Mortgage is described in the legal description attached as
Exhibit “A” and is known as 911 Broadway Avenue, Clifton Heights, PA 19018.
7. The Mortgage is in default because monthly payments of principal and interest upon
the Mortgage due April 11, 2023 and each month thereafter are due and unpaid, and by the terms of
the Mortgage, upon default in such payments for a period of one month, the entire principal balance
and all interest due thereon are collectible forthwith.
Thompson 23-101024 Complaint in Mortgage Foreclosure Page 3 of 5
8 The following amounts are due on the Mortgage:
Principal Balance $ 153,956.91
Interest through January 22, 2024 14,580.28
(Plus $44.13 per diem thereafter)
Late Charges 120.00
Property Inspection 110.00
GRAND TOTAL $ 168,767.19
plus additional interest and all other amounts authorized under the mortgage and applicable law that
are reasonable and have been incurred, including but not limited to costs, escrow advances, and
attorney's fees.
9 Pre-foreclosure notices were sent at least 33 days prior to the filing of this action. A
copy of said notice is attached hereto as Exhibit “B”.
WHEREFORE, Plaintiff demands in rem Judgment against the Defendant in the sum of
$168,767.19, together with interest accruing thereafter; other costs and charges collectible under the
Mortgage and applicable law, including all reasonable and actually incurred attorney's fees and
costs; and the foreclosure and sale of the mortgaged property.
Date: 3/22/24 McCABE, WEISBERG & CONWAY, LLC
BY: erty
[ ] Christine L. Graham, Esq. [ ] Marisa Myers Cohen, Esq.
[ ] Andrew M. Lubin, Esq. [ ] Chelsea A. Nixon, Esq.
[ ] Nathalie Paul, Esq. XK Joseph I. Foley, Esq
Attorneys for Plaintiff
Thompson 23-101024 Complaint in Mortgage Foreclosure Page 4 of 5
VERIFICATION
—_ ~
a c
avclels, hereby states that he/she is tes eC Josue DO cess’
of Citizens Bank, N.A., Plaintiff in this matter, that he/she is authorized to make
Verification, and verify that the statements of fact made in the foregoing Civil Action in
Mortgage Foreclosure are true and correct to the best of his/her knowledge, information and
belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa.
C.S. Sec. 4904 relating to unsworn falsification to authorities.
a
( VAN MAL D Susello,
—
DATE: acch2\, 2024 Name:"
lervance Savclag
Title: Foyeclosume oressiuy
File #: 23-101024
Name: Citizens Bank, N.A. v. Virginia A. Thompson
Thompson 23-101024 Complaint in Mortgage Foreclosure Page 5 of 5
Legal Description
EXHIBIT A
ALL THAT CERTAIN Ict or piece of ground, SITUATE in the Township of Upper Darby,
County of Delaware and State of Pennsylvania, bounded and described according to a
Plan of “Secane Highlands”, surveyed for Wood Harmon Associates, by Joseph W.
Hunter, Civil Engineer, Jenkintown, PA in April 1901, which said plan is recorded in the
Office of the Recorder of Deeds, in and for the County of Delaware aforesaid, in Plan
Case 1 page 18, as follows:
SITUATE on the Northwesterly side of Broadway Avenue (formerly Chestnut Avenue)
(40 feet wide) at its intersection with the Southwesterly side of Rugby Place (40 feet
wide).
CONTAINING in front or breadth on the said Broadway Avenue (formerly Chestnut
Avenue) 100 feet (each lot being 25 feet in width) and extending of that width in
length Northwestwardly, between parallel lines at right angles to the said Broadway
Avenue (formerly Chestnut Avenue), 125 feet, the Northeasterly line thereof being
the Southwesterly side of Rugby Place.
BEING Lot Nos. 453, 454, 455 and 456 as shown on said Pian.
BEING FOLIO NOS. 16-13-01015-00 AND 16-13-03037-00/
Being the same premises which ElizabethA. Craven by Deed dated 7-24-64 and
recorded 8-10-64 in Delaware County in Deed Book 2183 Page 661 conveyed unto
Fred A. Thompson and Mary V. Thompson and Virginia A. Thompson, as joint tenants
with right of survivorship and not as.tenants in common, in fee.
And the said Fred Ay Thompson died on 4-7-73, and the said Mary V. Thompson died
on 8-17-90, at which time title was\vested solely in Virginia A. Thompson.
EXHIBIT B
McCabe Weisberg & Conway, PC
PO Box 9071 PRESORT
Temecula, CA 92589-9071 First-Class Mail
U.S, Postage and
Fees Paid
wso
$314 8100 1170 114? S4u4yo aS
Return Receipt (Electronic)
20231025-84
HA reeledeth
Virginia A. Thompson
911 Broadway Avenue
Clifton Heights, PA 19018
MDHUDOCC_Duplex
9314 8100. 1170 1147 5440 85
Date: October 25, 2023
ACT 91 NOTICE*
La Notificacion de Acto 91*
Save Your Home From Foreclosure
This is an official Act 91 Notice. You are receiving this notice because Pennsylvania law requires
mortgage lenders to send it to homeowners facing foreclosure. This notice contains important legal
information about your rights and how you can save your home. YOU MAY BE ELIGIBLE FOR
STATE FUNDED ASSISTANCE from the Homeowner's Emergency Mortgage Assistance Program
(HEMAP), a program of the Pennsylvania Housing Finance Agency. (PHFA).
CALL A COUNSELING AGENCY FOR A MEETING.
APPLYING FOR HEMAP MAY TEMPORARILY STOP A FORECLOSURE ACTION.
To apply, you must have a face-to-face meeting with a HEMAP-approved Consumer. Credit
Counseling Agency within 33 days of the date of this notice, This meeting is free and is the only way to
apply. for HEMAP. A list of approved Counseling Agencies is attached. A list is also available at
http://www.phfa.org/counseling/hemap.aspx. If after speaking with a Counseling Agency. you have.
further questions about HEMAP, please call 1 (800) 342-2397. Individuals with hearing impairment may
call 711 (RELAY).
To make sure you meet the deadline, please call a Counseling Agency immediately to schedule a
face-to-face meeting. Keep this entire Act 91 Notice, including the attached Account Summary, and have
it available for your face-to-face meeting, whether done in person or remotely. A counselor can:
. Help you to apply for HEMAP and explain how the program works.
. Talk with your lender about a loan modification or other repayment plan.
e Explain possible options to avoid. foreclosure such as loss mitigation, refinancing your loan,
selling or transferring your property to a third party. or having a third party cure the delinquency
on your behalf through a short sale or assumption of mortgage.
Provide referrals for other assistance, programs or services.
Explain other rights you may have, including your right to assert the non-existence of the debt
and any. other defenses you may. have.
Even if you miss the deadline, you may still apply for HEMAP, but a late HEMAP application
will not stop your lender from foreclosing. However, if your application is approved, a HEMAP
assistance loan will bring your mortgage current and stop the foreclosure. HEMAP may also temporarily.
help you make future mortgage payments.
Altematively, you may save your home from foreclosure by. curing your default. That means
paying your lender all amounts currently due, including reasonable late charges, attorney fees and other
costs and by otherwise fulfilling your mortgage obligations. You may cure the default at any time up to
one hour before a Sheriff's Sale, up to three times in any calendar year.
If you have filed a petition in bankruptcy, this notice is provided for informational purposes only
and is not an attempt to collect a debt. If you are protected by. a bankruptcy filing you may still apply for
HEMAP assistance.
*CONSULTE AL DORSO LA TRADUCCION DE ESTA NOTIFICACION IMPORTANTE, O
LLAME AL 1.800.342.2397.
AcT 91 NoTICcE PAGE |
Fecha: October 25, 2023
Notificaci6n sobre la Ley 91
Act 91 Notice
Salve a su Hogar de la Ejecucién Hipotecaria
La presente es una notificacién oficial 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 informacion legal
importante acerca de sus derechos y.de lo que puede hacer para salvar su hogar. ES POSIBLE QUE SEA
ELEGIBLE PARA OBTENER AYUDA CON FONDOS ESTATALES del Programa de Asistencia
de Emergencia Hipotecaria para Duefios de Hogares (HEMAP, por sus siglas en ingles), un programa de
Ja Agencia de Financiamiento de Hogares de Pennsylvania (PHFA, pos sus siglas en ingles).
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 transcutran’33. dias, a partir de la
fecha de esta notificacién. Esta reunién es gratuita y es la (mica manera de solicitar el HEMAP, Se adjunta
una lista de Agencias de Asesoria aprobadas. También puede encontrar una lista en
http://www phfa.org/counseling/hemap.aspx. Si luego de hablar con una Agencia de Asesoria tiene alguna
pregunta sobre el HEMAP, por favor lame al | (800) 342-2397. Las personas con discapacidades
auditivas, pueden Hamar al 711.(RELE).
Con el fin de asegurar que cumpla con el plazo, por favor lame a una Agencia de Asesoria y
programe una reuni6n presencial de inmediato. Conserve esta Notificacién sobre la Ley 91, con el
Resumen de Cuenta adjunto, y téngalo disponible para s a su reunién presencial, ya sea en persona o de
forma remota. Un asesor puede:
. Ayudarlo a presentar su solicitud al HEMAP y explicarle cémo fimciona el programa.
. Hablar con su prestamista acerca de uma modificacién del préstamo u otro plan de pago.
° Explicarle las opciones posibles para evitar la ejecucién de la hipoteca, como la mitigacién de
perdidas, la refinanciacién del préstamo, la venta o transferencia de su propiedad a un tercero,
que un tercero pague el atraso en su nombre, a través de una venta al descubierto 0 asumiendo la
hipoteca,
Derivarlo a otro tipo de asistencia, programa o servicio,
Explicarle otros derechos que pueda tener, incluido su derecho de revindicar 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 podra 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 Ja 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 ano calendario.
Si usted ha presentado una solicitud de quiebra, esta notificacién se proporciona solo con fines
informativos y. no es un intento de cobrar una deuda. Usted puede solicitar la ayuda del HEMAP, incluso,
si esta protegido por una declaracién de quiebra.
*SEE REVERSE SIDE FOR TRANSLATION. OF THIS IMPORTANT NOTICE OR CALL. 1.800.342.2397
ACT 91 NOTICE PAGE 2
ACT.91 NOTICE
Account Summary
Your Loan Details:
Name(s) on Account: Virginia Thompson
Address of Mortgaged Property: | 911. Broadway Avenue, Clifton Heights, Pennsylvania 19018
Account Number: | Ending ini
How to Contact Your Lender:
Current Lender or Servicer: Citizens Bank, N.A.
Lender or Servicer Address: 10561 Telegraph Road, Glen Allen, Virginia 23059
Lender or Servicer Phone 804-935-2709
Number:
Contact Person: Sherlita Fox
Phone Number: 804-935-2709
Fax Number: 1-888-999-6039
Email: Sherlita.Fox@citizensbank.com
Default Information:
Monthly Payments Missed: | April, 2023 - October, 2023
Total Amount Past Due: $59,141.58
$2,105.90 1 months @ $2,105.90
$2,092.59 1 months @ $2,092.59
$2,166.36 1 months @ $2,166.36
$2,124.23 1 months @ $2,124.23
$4,398.10 2 months @ $2,199.05
$46,144.40 1 months @ $46,144.40
$80.00 Late Charge
$30.00 Property Inspection
*Please. be aware. that. fees and costs. may continue. to. accrue.
through the duration of the delinquency..
AcT 91 NOTICE PAGE 3
How to Cure the Default:
Within 30, Days of the Date on Pay $59.141.58, plus any payment and other
charges that have.
This Notice: become due to your lender or servicer by cash,
cashier’s check,
certified check or other means acceptable to both partie
Send Payment and Make s.
Citizens Bank, N.A., 10561 Telegra, ph Road, Glen Allen,
Virginia
Payable to: 23059
To Cure “Other Default”: N/A
Is the Mortgage Assumable? No, but please contact your Lender to discuss your
options.
AcT 9! Notice
PAGE 4
DELAWARE County
American Angel Housing Counseling/RHD American Credit Counseling Institute (ACCT)
150 North Radnor Chester Rd 603 Swede St
Suite F 200 Norristown, PA 19401
Radnor, PA 19087 610-971-2210 888-212-6741
610-768-2811
American Credit Counseling Institute (ACCI) 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
888-212-6741
Clarifi Clarifi
595 Rancocas Rd 1 Mall Dr
Westhampton, NJ 08060 Suite 615
215-563-5665 Cherry Hill, NJ 08002
215-
563-
5665
Clarifi Clarifi/CCCS. of Delaware Valley
710 N Lincoln St 1608 Walnut St
Wilmington, DE 19805 10th Floor
215-563-5665 Philadelphia, PA 19107
215-
563-
5665
Clarifi/CCCS of Delaware Valley Clarifi/CCCS of Delaware Valley
280 North Providence Rd 770 E Market St
Suite 7 Suite 190
Media, PA 19063 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
Philadelphia, PA 19136 Suite 340
215-563-5665 Jenkintown, PA 19046
215-563-5665
Clarifi/CCCS of Delaware Valley Clarifi/CCCS of Delaware Valley
1410 West Erie Ave 100 Levittown Pkwy
Office #122 2nd Floor
Philadelphia, PA 19140, Levittown, PA 19054
215-563-5665 215-563-5665
Clarifi/Rising Sun Health Center Diversified Community Services - Dixon House
5675,N.. Front St 1920, South 20th St
Philadelphia, PA 19120. Philadelphia, PA 19145,
800-989-2227 215-336-3511
ACT 91 NOTICE PAGE |
HACE HACE
167 W Allegheny Ave 4660, Frankford Ave
2nd Floor Philadelphia, PA. 19124.
Philadelphia, PA. 19140. 215-437-7867.
215-426-8025,
Intercultural Family. Services, Inc, Media Fellowship House
4225 Chestnut St 302 South Jackson St
Philadelphia, PA. 19104 Media, PA. 19063.
215-386-1298, 610-565-0434,
Northwest Counseling Service PathStone Corporation
5001 North Broad St 648 Buena Vista Dr
Philadelphia, PA 19141 Kennett Square, PA 19348
215-324-7500 610-925-1880
Phila Council For Community Advmnt Urban League of Philadelphia
1617 John F Kennedy Blvd 121 S Broad St
Suite 1550 9th Floor
Philadelphia, PA 19103 Philadelphia, PA 19107
215-567-7803 . 800-930-4663 215-985-3220
West Oak Lane CDC
2502-06 W. Cheltenham Ave
Philadelphia, PA 19150
215-549-9462
FILED
03-22-2024 05:33 PM
OFFICE OF JUDICIAL
COUNTY,SUPPORT
AcT 91 Notice PAGE 2 DELAWARE PA
Preview
CIVIL COVER SHEET AND ENTRY OF APPEARANCE DELAWARE COUNTY COURT OF COMMON PLEAS 1. Case Caption Court Term & No. Citizens Bank, N.A. (Plaintiff) Virginia A. Thompson 2a. Plaintiff(s) 2b. Defendant(s) Citizens Bank, N.A. Virginia A. Thompson 10561 Telegraph Road 911 Broadway Ave Glen Allen, VA 23059 Secane, Pennsylvania 19018-000 3a. Related Cases? Yes 3b. Case Subject to Coordination Order? Yes Ifyes, show Caption and Date of Order 4, Entry of Appearance To the Office of Judicial Support: Kindly enter my appearance on behalf of Citizens Bank, N.A., (a) plaintiff in this action. Papers may be served at the address sent forth below. Christine L. Graham, Esquire, Marisa Myers Cohen, Esquire, Andrew M. Lubin, Address: 1420 Walnut Street, Suite 1501 Esquire, Chelsea A. Nixon, Esquire, Nathalie Paul, Esquire, Joseph I. Foley, Esquire Philadelphia, PA 19102 Attorney for party named above (Please Print) CLG # 309480, MMC # 87830, AML # 54297, CAN # 324130, NP # 309118, JIF Telephone: (215) 790-1010 Fax:(215) 790-1274 #314675 E-Mail: Attorney ILD. Number Qeeyph Foley 3/22/24 Att@ney Signature Z 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 Real Property Mechanics Lien Contract Partition Construction Prevent Waste Insurance/Bad Faith Replevin Negotiable Instruments Saving Action Um/Uim Other Quo Warranto Other Court oF CoMMON PLEAS HAR pis ee xaia | ent \ e é DELAWARE COUNTY ‘THIRTY SECOND JUDICIAL DISTRICT eeAO CourtHouse MspIA, DELAWARE COUNTY, PENNSYLVANIA —— 19063 Important Notice Date of Service of this Notice: (to be completed by the Sheriff's Deputy upon Service of Complaint) Under a new Pilot Program sponsored by the Court of Common Pleas of Delaware County, and the Sheriffof Delaware County, you may be eligible to get help with your Mortgage. Call the Save Your Home Hotline at 800-989-2227 To be eligible for any stay, you must be the owner or an heir to a deceased owner of the property which is the subject of the Action of Mortgage Foreclosure and you must occupy the property which is the subject of this Action.of Mortgage Foreclosure as your principal residence. You will discuss your mortgage foreclosure with an independent and professional Housing Counselor who will work with you to review your finances and work with your lender to try and resolve the mortgage foreclosure action. The Housing Counselor is available to you AT NO CHARGE. Once you call this number, the Housing Counselor will contact the lender’s attorney and the Court sanctioned thirty (30) day delay of the Action in Mortgage Foreclosure will go into effect, all you have do is eall. You can haye the Action of Mortgage Foreclosure delayed for up to thirty (30) days so that you can participate in a conference with your Housing Counselor and submit a loan resolution proposal to the lender and their attorney. This may assist you in saving your home from foreclosure. Call the Save Your Home Hotline at 800-989-2227 Make this call today to save your home. If you do not call within thirty (30) days from the day this notice has been served on you or a member of your household by the Sheriff, you may not be eligible for this program, but you may have other legal ways to delay the foreclosure action. 23-101024 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. 23-101024 NOTICE AVISO You have been sued in court. If you wish to Le han demandado a usted en la corte. Si usted defend against the claims set forth in the quiere defenderse de estas demandas ex-puestas following pages, you must take action within en las paginas siguientes, usted tiene veinte (20) twenty (20) days after this complaint and notice dias de plazo al partir de la fecha de la demanda y are served, by entering a written appearance la_notificacion. Hace falta asentar una personally or by attorney and filing in writing comparencia escrita o en persona o con un with the court your defenses or objections to the abogado y entregar a la corte en forma escrita sus claims set forth against you. You are warned that defensas o sus objeciones a las demandas en if you fail to do so the case may proceed without contra de su persona. Sea avisado que'si ustedno you and a judgment may be entered against you se defiende, la corte tomara medidas"y puede by the court without further notice for any money continuar la demanda en contra suya sin previo claimed in the complaint or for any other claim or aviso 0 notificacion. Ademas, la corte puede relief requested by the plaintiff. You may lose decidir a favor del demandante y requiere que money or property or other rights important to usted cumpla con todas las provisiones de esta you. demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para YOU SHOULD TAKE THIS PAPER TO usted. YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE USTED LE DEBE TOMAR ESTE PAPEL THE OFFICE SET FORTH BELOW. THIS A SU ABOGADO INMEDIATAMENTE. SI OFFICE CAN PROVIDE YOU WITH USTED NO TIENE A UN ABOGADO, VA AO INFORMATION ABOUT HIRING A TELEFONEA LA OFICINA EXPUSO ABAJO. LAWYER. ESTA OFICINA LO PUEDE PROPORCIONAR IF YOU CANNOT AFFORD TO HIRE A CON INFORMATION ACERCA DE LAWYER, THIS OFFICE MAY BE ABLE TO EMPLEAR A UN ABOGADO. PROVIDE YOU WITH INFORMATION SI USTED NO PUEDE PROPORCIONAR ABOUT AGENCIES THAT MAY OFFER PARA EMPLEAR UN ABOGADO, ESTA LEGAL SERVICES TO ELIGIBLE PERSONS OFICINA PUEDE SER CAPAZ DE AT A REDUCED FEE OR NO FEE. PROPORCIONARLO CON INFORMACION ACERCA DE LAS AGENCIAS QUE PUEDEN Lawyers Reference Service OFRECER LOS SERVICIOS LEGALES A Delaware County Bar Association PERSONAS ELEGIBLES EN UN 335 West Front Street HONORARIO REDUCIDO NI NINGUN Media, Pennsylvania 19063 HONORARIO. (610) 566-6625 Lawyers Reference Service Delaware County Bar Association 335 West Front Street Media, Pennsylvania 19063 (610) 566-6625 Thompson 23-101024 Complaint in Mortgage Foreclosure Page 1 of 5 McCABE, WEISBERG & CONWAY, LLC Attormeys for Plaintiff CHRISTINE L. GRAHAM, ESQUIRE - ID # 309480 MARISA MYERS COHEN, ESQUIRE - ID # 87830 ANDREW M. LUBIN, ESQUIRE - ID # 54297 CHELSEA A. NIXON, ESQUIRE — ID # 324130 NATHALIE PAUL, ESQUIRE — ID # 309118 JOSEPH I. FOLEY, ESQUIRE - ID # 314675 1420 Walnut Street, Suite 1501 Philadelphia, PA 19102 (215) 790-1010 Citizens Bank, N.A., Delaware County 10561 Telegraph Road Court of Common Pleas Glen Allen, VA 23059, Plaintiff, Number; Vv. Virginia A. Thompson 911 Broadway Ave Secane, PA 19018-000, Defendant. Thompson 23-101024 Complaint in Mortgage Foreclosure Page 2 of 5 COMPLAINT IN MORTGAGE FORECLOSURE 1 Plaintiff is Citizens Bank, N.A., duly organized and doing business at the above- captioned address. 2. The Defendant is Virginia A. Thompson, who is a mortgagor and real owner of the mortgaged property hereinafter described, and his/her last-known address is 911 Broadway Ave, Secane, PA 19018-000. 3 On February 6, 2013, Virginia A. Thompson, made, executed and delivered a Mortgage upon the premises hereinafter described to Citizens Bank of Pennsylvania which Mortgage is recorded in the Office of the Recorder of Delaware County as Instrument Number 2013013797 (“the Mortgage”), the Mortgage is incorporated herein by reference pursuant to Pa.R.C.P. 1019(g). 4 On February 6, 2013, Virginia A. Thompson, also executed a promissory note secured by the Mortgage (“the Note”). Plaintiff, directly or through an agent, is in possession of the Note and is the holder of the Note with the right to enforce it; the Note is either made payable to plaintiff or has been duly indorsed. 5 Subsequently thereto, Citizens Bank of Pennsylvania changed its name to Citizens Bank N.A., and became known as Citizens Bank N.A, Plaintiff herein. 6 The premises subject to the Mortgage is described in the legal description attached as Exhibit “A” and is known as 911 Broadway Avenue, Clifton Heights, PA 19018. 7. The Mortgage is in default because monthly payments of principal and interest upon the Mortgage due April 11, 2023 and each month thereafter are due and unpaid, and by the terms of the Mortgage, upon default in such payments for a period of one month, the entire principal balance and all interest due thereon are collectible forthwith. Thompson 23-101024 Complaint in Mortgage Foreclosure Page 3 of 5 8 The following amounts are due on the Mortgage: Principal Balance $ 153,956.91 Interest through January 22, 2024 14,580.28 (Plus $44.13 per diem thereafter) Late Charges 120.00 Property Inspection 110.00 GRAND TOTAL $ 168,767.19 plus additional interest and all other amounts authorized under the mortgage and applicable law that are reasonable and have been incurred, including but not limited to costs, escrow advances, and attorney's fees. 9 Pre-foreclosure notices were sent at least 33 days prior to the filing of this action. A copy of said notice is attached hereto as Exhibit “B”. WHEREFORE, Plaintiff demands in rem Judgment against the Defendant in the sum of $168,767.19, together with interest accruing thereafter; other costs and charges collectible under the Mortgage and applicable law, including all reasonable and actually incurred attorney's fees and costs; and the foreclosure and sale of the mortgaged property. Date: 3/22/24 McCABE, WEISBERG & CONWAY, LLC BY: erty [ ] Christine L. Graham, Esq. [ ] Marisa Myers Cohen, Esq. [ ] Andrew M. Lubin, Esq. [ ] Chelsea A. Nixon, Esq. [ ] Nathalie Paul, Esq. XK Joseph I. Foley, Esq Attorneys for Plaintiff Thompson 23-101024 Complaint in Mortgage Foreclosure Page 4 of 5 VERIFICATION —_ ~ a c avclels, hereby states that he/she is tes eC Josue DO cess’ of Citizens Bank, N.A., Plaintiff in this matter, that he/she is authorized to make Verification, and verify that the statements of fact made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his/her knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. a ( VAN MAL D Susello, — DATE: acch2\, 2024 Name:" lervance Savclag Title: Foyeclosume oressiuy File #: 23-101024 Name: Citizens Bank, N.A. v. Virginia A. Thompson Thompson 23-101024 Complaint in Mortgage Foreclosure Page 5 of 5 Legal Description EXHIBIT A ALL THAT CERTAIN Ict or piece of ground, SITUATE in the Township of Upper Darby, County of Delaware and State of Pennsylvania, bounded and described according to a Plan of “Secane Highlands”, surveyed for Wood Harmon Associates, by Joseph W. Hunter, Civil Engineer, Jenkintown, PA in April 1901, which said plan is recorded in the Office of the Recorder of Deeds, in and for the County of Delaware aforesaid, in Plan Case 1 page 18, as follows: SITUATE on the Northwesterly side of Broadway Avenue (formerly Chestnut Avenue) (40 feet wide) at its intersection with the Southwesterly side of Rugby Place (40 feet wide). CONTAINING in front or breadth on the said Broadway Avenue (formerly Chestnut Avenue) 100 feet (each lot being 25 feet in width) and extending of that width in length Northwestwardly, between parallel lines at right angles to the said Broadway Avenue (formerly Chestnut Avenue), 125 feet, the Northeasterly line thereof being the Southwesterly side of Rugby Place. BEING Lot Nos. 453, 454, 455 and 456 as shown on said Pian. BEING FOLIO NOS. 16-13-01015-00 AND 16-13-03037-00/ Being the same premises which ElizabethA. Craven by Deed dated 7-24-64 and recorded 8-10-64 in Delaware County in Deed Book 2183 Page 661 conveyed unto Fred A. Thompson and Mary V. Thompson and Virginia A. Thompson, as joint tenants with right of survivorship and not as.tenants in common, in fee. And the said Fred Ay Thompson died on 4-7-73, and the said Mary V. Thompson died on 8-17-90, at which time title was\vested solely in Virginia A. Thompson. EXHIBIT B McCabe Weisberg & Conway, PC PO Box 9071 PRESORT Temecula, CA 92589-9071 First-Class Mail U.S, Postage and Fees Paid wso $314 8100 1170 114? S4u4yo aS Return Receipt (Electronic) 20231025-84 HA reeledeth Virginia A. Thompson 911 Broadway Avenue Clifton Heights, PA 19018 MDHUDOCC_Duplex 9314 8100. 1170 1147 5440 85 Date: October 25, 2023 ACT 91 NOTICE* La Notificacion de Acto 91* Save Your Home From Foreclosure This is an official Act 91 Notice. You are receiving this notice because Pennsylvania law requires mortgage lenders to send it to homeowners facing foreclosure. This notice contains important legal information about your rights and how you can save your home. YOU MAY BE ELIGIBLE FOR STATE FUNDED ASSISTANCE from the Homeowner's Emergency Mortgage Assistance Program (HEMAP), a program of the Pennsylvania Housing Finance Agency. (PHFA). CALL A COUNSELING AGENCY FOR A MEETING. APPLYING FOR HEMAP MAY TEMPORARILY STOP A FORECLOSURE ACTION. To apply, you must have a face-to-face meeting with a HEMAP-approved Consumer. Credit Counseling Agency within 33 days of the date of this notice, This meeting is free and is the only way to apply. for HEMAP. A list of approved Counseling Agencies is attached. A list is also available at http://www.phfa.org/counseling/hemap.aspx. If after speaking with a Counseling Agency. you have. further questions about HEMAP, please call 1 (800) 342-2397. Individuals with hearing impairment may call 711 (RELAY). To make sure you meet the deadline, please call a Counseling Agency immediately to schedule a face-to-face meeting. Keep this entire Act 91 Notice, including the attached Account Summary, and have it available for your face-to-face meeting, whether done in person or remotely. A counselor can: . Help you to apply for HEMAP and explain how the program works. . Talk with your lender about a loan modification or other repayment plan. e Explain possible options to avoid. foreclosure such as loss mitigation, refinancing your loan, selling or transferring your property to a third party. or having a third party cure the delinquency on your behalf through a short sale or assumption of mortgage. Provide referrals for other assistance, programs or services. Explain other rights you may have, including your right to assert the non-existence of the debt and any. other defenses you may. have. Even if you miss the deadline, you may still apply for HEMAP, but a late HEMAP application will not stop your lender from foreclosing. However, if your application is approved, a HEMAP assistance loan will bring your mortgage current and stop the foreclosure. HEMAP may also temporarily. help you make future mortgage payments. Altematively, you may save your home from foreclosure by. curing your default. That means paying your lender all amounts currently due, including reasonable late charges, attorney fees and other costs and by otherwise fulfilling your mortgage obligations. You may cure the default at any time up to one hour before a Sheriff's Sale, up to three times in any calendar year. If you have filed a petition in bankruptcy, this notice is provided for informational purposes only and is not an attempt to collect a debt. If you are protected by. a bankruptcy filing you may still apply for HEMAP assistance. *CONSULTE AL DORSO LA TRADUCCION DE ESTA NOTIFICACION IMPORTANTE, O LLAME AL 1.800.342.2397. AcT 91 NoTICcE PAGE | Fecha: October 25, 2023 Notificaci6n sobre la Ley 91 Act 91 Notice Salve a su Hogar de la Ejecucién Hipotecaria La presente es una notificacién oficial 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 informacion legal importante acerca de sus derechos y.de lo que puede hacer para salvar su hogar. ES POSIBLE QUE SEA ELEGIBLE PARA OBTENER AYUDA CON FONDOS ESTATALES del Programa de Asistencia de Emergencia Hipotecaria para Duefios de Hogares (HEMAP, por sus siglas en ingles), un programa de Ja Agencia de Financiamiento de Hogares de Pennsylvania (PHFA, pos sus siglas en ingles). 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 transcutran’33. dias, a partir de la fecha de esta notificacién. Esta reunién es gratuita y es la (mica manera de solicitar el HEMAP, Se adjunta una lista de Agencias de Asesoria aprobadas. También puede encontrar una lista en http://www phfa.org/counseling/hemap.aspx. Si luego de hablar con una Agencia de Asesoria tiene alguna pregunta sobre el HEMAP, por favor lame al | (800) 342-2397. Las personas con discapacidades auditivas, pueden Hamar al 711.(RELE). Con el fin de asegurar que cumpla con el plazo, por favor lame a una Agencia de Asesoria y programe una reuni6n presencial de inmediato. Conserve esta Notificacién sobre la Ley 91, con el Resumen de Cuenta adjunto, y téngalo disponible para s a su reunién presencial, ya sea en persona o de forma remota. Un asesor puede: . Ayudarlo a presentar su solicitud al HEMAP y explicarle cémo fimciona el programa. . Hablar con su prestamista acerca de uma modificacién del préstamo u otro plan de pago. ° Explicarle las opciones posibles para evitar la ejecucién de la hipoteca, como la mitigacién de perdidas, la refinanciacién del préstamo, la venta o transferencia de su propiedad a un tercero, que un tercero pague el atraso en su nombre, a través de una venta al descubierto 0 asumiendo la hipoteca, Derivarlo a otro tipo de asistencia, programa o servicio, Explicarle otros derechos que pueda tener, incluido su derecho de revindicar 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 podra 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 Ja 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 ano calendario. Si usted ha presentado una solicitud de quiebra, esta notificacién se proporciona solo con fines informativos y. no es un intento de cobrar una deuda. Usted puede solicitar la ayuda del HEMAP, incluso, si esta protegido por una declaracién de quiebra. *SEE REVERSE SIDE FOR TRANSLATION. OF THIS IMPORTANT NOTICE OR CALL. 1.800.342.2397 ACT 91 NOTICE PAGE 2 ACT.91 NOTICE Account Summary Your Loan Details: Name(s) on Account: Virginia Thompson Address of Mortgaged Property: | 911. Broadway Avenue, Clifton Heights, Pennsylvania 19018 Account Number: | Ending ini How to Contact Your Lender: Current Lender or Servicer: Citizens Bank, N.A. Lender or Servicer Address: 10561 Telegraph Road, Glen Allen, Virginia 23059 Lender or Servicer Phone 804-935-2709 Number: Contact Person: Sherlita Fox Phone Number: 804-935-2709 Fax Number: 1-888-999-6039 Email: Sherlita.Fox@citizensbank.com Default Information: Monthly Payments Missed: | April, 2023 - October, 2023 Total Amount Past Due: $59,141.58 $2,105.90 1 months @ $2,105.90 $2,092.59 1 months @ $2,092.59 $2,166.36 1 months @ $2,166.36 $2,124.23 1 months @ $2,124.23 $4,398.10 2 months @ $2,199.05 $46,144.40 1 months @ $46,144.40 $80.00 Late Charge $30.00 Property Inspection *Please. be aware. that. fees and costs. may continue. to. accrue. through the duration of the delinquency.. AcT 91 NOTICE PAGE 3 How to Cure the Default: Within 30, Days of the Date on Pay $59.141.58, plus any payment and other charges that have. This Notice: become due to your lender or servicer by cash, cashier’s check, certified check or other means acceptable to both partie Send Payment and Make s. Citizens Bank, N.A., 10561 Telegra, ph Road, Glen Allen, Virginia Payable to: 23059 To Cure “Other Default”: N/A Is the Mortgage Assumable? No, but please contact your Lender to discuss your options. AcT 9! Notice PAGE 4 DELAWARE County American Angel Housing Counseling/RHD American Credit Counseling Institute (ACCT) 150 North Radnor Chester Rd 603 Swede St Suite F 200 Norristown, PA 19401 Radnor, PA 19087 610-971-2210 888-212-6741 610-768-2811 American Credit Counseling Institute (ACCI) 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 888-212-6741 Clarifi Clarifi 595 Rancocas Rd 1 Mall Dr Westhampton, NJ 08060 Suite 615 215-563-5665 Cherry Hill, NJ 08002 215- 563- 5665 Clarifi Clarifi/CCCS. of Delaware Valley 710 N Lincoln St 1608 Walnut St Wilmington, DE 19805 10th Floor 215-563-5665 Philadelphia, PA 19107 215- 563- 5665 Clarifi/CCCS of Delaware Valley Clarifi/CCCS of Delaware Valley 280 North Providence Rd 770 E Market St Suite 7 Suite 190 Media, PA 19063 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 Philadelphia, PA 19136 Suite 340 215-563-5665 Jenkintown, PA 19046 215-563-5665 Clarifi/CCCS of Delaware Valley Clarifi/CCCS of Delaware Valley 1410 West Erie Ave 100 Levittown Pkwy Office #122 2nd Floor Philadelphia, PA 19140, Levittown, PA 19054 215-563-5665 215-563-5665 Clarifi/Rising Sun Health Center Diversified Community Services - Dixon House 5675,N.. Front St 1920, South 20th St Philadelphia, PA 19120. Philadelphia, PA 19145, 800-989-2227 215-336-3511 ACT 91 NOTICE PAGE | HACE HACE 167 W Allegheny Ave 4660, Frankford Ave 2nd Floor Philadelphia, PA. 19124. Philadelphia, PA. 19140. 215-437-7867. 215-426-8025, Intercultural Family. Services, Inc, Media Fellowship House 4225 Chestnut St 302 South Jackson St Philadelphia, PA. 19104 Media, PA. 19063. 215-386-1298, 610-565-0434, Northwest Counseling Service PathStone Corporation 5001 North Broad St 648 Buena Vista Dr Philadelphia, PA 19141 Kennett Square, PA 19348 215-324-7500 610-925-1880 Phila Council For Community Advmnt Urban League of Philadelphia 1617 John F Kennedy Blvd 121 S Broad St Suite 1550 9th Floor Philadelphia, PA 19103 Philadelphia, PA 19107 215-567-7803 . 800-930-4663 215-985-3220 West Oak Lane CDC 2502-06 W. Cheltenham Ave Philadelphia, PA 19150 215-549-9462 FILED 03-22-2024 05:33 PM OFFICE OF JUDICIAL COUNTY,SUPPORT AcT 91 Notice PAGE 2 DELAWARE PA