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NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on January 10, 1994, a certain mortgage was executed by STEFANIA SHIBILSKI and LEONARD A. SHIBILSKI, as mortgagor in favor of PHOENIX MORTGAGE CO., INC. as mortgagee and was recorded in Office of the Recorder of Deeds of Montgomery County in Mortgage MB 7337 Page 0764 (“Mortgage”); and WHEREAS, the Mortgage encumbers property located at 318 Chestnut Street Collegeville, PA 19426, parcel number 040000076001(“Property”); and WHEREAS, Mortgagor/Record Owner LEONARD SHIBILSKI died on 110/4/97. By operation of law title vests solely in STEFANIA SHIBILSKI and LEONARD SHIBILSKI is hereby released of liability pursuant to Pa.R.C.P. 1144. ;and WHEREAS, the Property was owned by STEFANIA SHIBILSKI & LEONARD A. SHIBILSKI by virtue of deed dated 7/11/1966 and recorded 7/25/1966 in Book 3436 Page 371; and WHEREAS, the Mortgage is now owned by the Secretary of the United States Department of Housing and Urban Development (“Secretary”), pursuant to an assignment recorded on 4/8/2005 in Book 11432 Page 2382 Instrument # 2005048323, in the Office of the Recorder of Deeds of Montgomery County, Pennsylvania; and WHEREAS a default has been made in the covenants and conditions of the Mortgage (paragraph 9 (a)(i)), as LEONARD SHIBILSKI died on 11/04/1997 and that upon the death the entire principal balance becomes due and owing, and that no payment was made, and remains wholly unpaid as of the date of this Notice; and WHEREAS, the entire amount delinquent as of 09/24/2025 is $502,434.49 plus interest, costs and other charges through the sale date; and WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the Mortgage to be immediately due and payable; NOW THEREFORE, pursuant to powers vested in me by the Single Family Mortgage Foreclosure Act of 1994, l2 U.S.C. 3751 et seq., by 24 CFR Part 29, and by the Secretary’s designation of me as Foreclosure Commissioner, recorded on 03/26/2012 in Misc. Book 20 Page 3232, in the Office of the Recorder of Deeds of Montgomery County, Pennsylvania, notice is hereby given that on 03/03/2026; at 10:00 AM at outside the Main Entrance of the Montgomery County Courthouse located at 2 E Airy St, Norristown, PA 19401 all real property and personal property at or used in connection with the following described premises will be sold at public action to the highest bidder: ALL THAT CERTAIN lot or piece of ground with the buildings and improvements thereon erected, Hereditaments and Appurtenances, SITUATE in the Borough of Collegeville, County of Montgomery and State of Pennsylvania, bounded and described according to a Survey made by Herbert L. Reed, Licensed Surveyor, dated November 7, 1948, as follows, to wit: BEGINNING at a point on the Southwesterly side of Chestnut Street (40 feet wide) a comer of this and land, now or late, of John Fitzcharles; thence along land of the said John Fitzcharles and Reuben Winters, North 87 degrees 11 minutes West 115.80 feet to a point, a comer; thence still along land of the said Reuben Winters North 2 degrees 49 minutes East 141.90 feet to a point, a comer on the Southerly side of a proposed 40 feet wide street; thence along the said side thereof South 87 degrees 11 minutes East 42.61 feet to a point on the Southwesterly side of Chestnut Street aforesaid and thence along said side thereof South 24 degrees 28 minutes East 159.66 feet to the place of beginning. BEING House No. 318 Chestnut Street. BEING the same premises which William H. Morris and H. Elaine Morris, by Indenture bearing date the 21st day of July, A.D. 1966 and recorded in the Office of the Recorder of Deeds &c., in and for the County of Montgomery, aforesaid, in Deed Book 3436 page 371, granted and conveyed unto Leonard A. Shibilski and Stefania Shibilski, his wife, in fee. BEING COUNTY PARCEL NUMBER 04-00-00076-00-1. The sale will be held 03/03/2026; at 10:00 AM at outside the Main Entrance of the Montgomery County Courthouse located at 2 E Airy St, Norristown, PA 19401. The Secretary of Housing and Urban Development will bid $502,434.49 plus interest, costs and other charges through the sale date. Ten percent (10%) of the highest bid is the deposit required at the sale. The amount that must be paid to HUD by the mortgagors or someone acting on their behalf so that the sale may be stayed is the total delinquent amount of 502,434.49 09 as of 0924/2025, plus all other amounts that would be due under the mortgage agreement if payments under the mortgage had not been accelerated, advertising costs and postage expenses incurred in giving notice, mileage by the most reasonable road distance for posting notices and for the Foreclosure Commissioner’s attendance at the sale, reasonable and customary costs incurred for title and lien record searches, the necessary out-of-pocket costs incurred by the Foreclosure Commissioner for recording documents, a commission for the Foreclosure Commissioner, and all other costs incurred in connection with the foreclosure prior to reinstatement. There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before closing, his prorata share of any real estate taxes that have been paid by the Secretary to the date of the foreclosure sale. When making their bid, all bidders, except the Secretary, must submit a deposit totaling ten percent 10% of the Secretary’s bid as set forth above in the form of a certified check or cashier’s check made out to the Secretary of HUD. Each oral bid need not be accompanied by a deposit. If the successful bid is oral, a deposit of ten (10%) percent must be presented before the bidding is closed. The deposit is nonrefundable. The remainder of the purchase price must be delivered within thirty (30) days of the sale or at such other time as the Secretary may determine for good cause shown, time being of the essence. This amount, like the bid deposits, must be delivered in the form of a certified or cashier’s check. If the Secretary is the high bidder, he need not pay the bid amount in cash. The successful bidder will pay all conveyance fees, all real estate and other taxes that are due on or after the delivery of the remainder of the payment and all other costs associated with the transfer of title. At the conclusion of the sale, the deposits of the unsuccessful bidders will be returned to them. The Secretary may grant an extension of time within which to deliver the remainder of the payment. All extensions will be for fifteen (15) days, and a fee will be charged in the amount of $150.00 for each fifteen (15) day extension requested. The extension fee shall be paid in the form of a certified or cashier’s check made payable to the Secretary of Housing and Urban Development. If the high bidder closes the sale prior to the expiration of any extension period, the unused portion of the extension fee shall be applied toward the amount due. If the high bidder is unable to close the sale within the required period, or within any extensions of time granted by the Secretary, the high bidder’s deposit will be forfeited, and the Commissioner may, at the direction of the HUD Field Office Representative, offer the Property to the second highest bidder for an amount equal to the highest price offered by that bidder. There is no right of redemption, or right of possession based upon a right of redemption, in the mortgagor or others subsequent to a foreclosure completed pursuant to the Act. Therefore, the Foreclosure Commissioner will issue a Deed to the purchaser(s) upon receipt of the entire purchase price in accordance with the terms of the sale as provided herein. KML LAW GROUP, P.C. Foreclosure Commissioners (215-825-6305) TH - Feb 11, 18, 25 1a