COUNTY OF CAMDEN SUPERIOR COURT OF NEW JERSEY CHANCERY DIVISION CAMDEN COUNTY DOCKET NO. F- 006795-26 NOTICE TO ABSENT DEFENDANT(S) (L.S.) STATE OF NEW JERSEY TO:

COUNTY OF CAMDEN SUPERIOR COURT OF NEW JERSEY CHANCERY DIVISION CAMDEN COUNTY DOCKET NO. F- 006795-26 NOTICE TO ABSENT DEFENDANT(S) (L.S.) STATE OF NEW JERSEY TO: Estate of James R. Troutman, Deceased; Edward R. Troutman; James R. Troutman, Jr. a/k/a James Troutman a/k/a James D. Troutman; Marilyn Mckeith; Melanie E. Troutman; The Unknown Heirs, Devisees and Personal Representatives of James R. Troutman, Deceased, and Their Heirs, Devisees, Personal Representatives and Successors In Right, Title and Interest; State of New Jersey, by and through the Motor Vehicle Commission; State Farm Insurance Company; National Credit Adjusters; Our Lady of Lourdes Medical Center now known as Virtua Our Lady of Lourdes Hospital, Inc.; Capital One Bank (USA), N.A.; and Midland Funding LLC; YOU ARE HEREBY SUMMONED AND REQUIRED to serve upon Plaintiff CLARENCE E. OWENS, a self-represented litigant, an Answer to the Amended Complaint filed on 06/26/2026 in a Civil Action, in which Clarence E. Owens is the plaintiff and ESTATE OF JAMES R. TROUTMAN, DECEASED, et al. are defendants, pending int the Superior Court of New Jersey, Chancery Division, CAMDEN County and bearing Docket No. F-006795-26 within thirty-five (35) days after exclusive of such date. If you fail to answer or appear in accordance with Rule 4:4-6, Judgment by Default may be rendered against you for relief demanded in the Complaint. You shall file your Answer and Proof of Service in duplicate with the Clerk of the Superior Court of New Jersey, Hughes Justice Complex - CN 971, Trenton, New Jersey 08625, in accordance with the Rules of Civil Practice and Procedure. NOTICE OF SURPLUS EQUITY AFFIRMATIVE DEFENSE: Pursuant to New Jersey Court Rule 4:64-1c ("Definition of Uncontested Action") any allegation in a responsive pleading to this complaint that a party has existing in the property shall be treated as a contesting answer to this tax foreclosure complaint. Pursuant to Tyler v. Hennepin County, 598 U.S. 631, 143 S. Ct. 1369 (2023), a property owner may be entitled to the surplus which would be realized over and above the amount due to the plaintiff lienholder. According to Black's Law Dictionary 657 (10th ed. 2014), "surplus" is "an amount of something that is more than what is required or used." If you believe there is a surplus beyond the amount owed to the plaintiff, you must assert same in a responsive pleading. If you cannot afford an attorney, you may communicate with the South Jersey Legal Services located at 745 Market Street, Camden, NJ 08103, toll free telephone number 1-800-496-4570, or the Legal Services of New Jersey statewide toll-free hotline at 1-888-LSNJ-LAW (1-888-576-5529). THE ACTION has been instituted for the purpose of foreclosing a certain tax certificate 11-03318, recorded on 07/20/2011 in Book 9438, at Page 1507, made by the Collector of Taxes for CAMDEN CITY, and subsequently assigned to Plaintiff. This covers real estate located in CAMDEN CITY, County of CAMDEN, and State of New Jersey, known as LOT 21 BLOCK 1276 as shown on the Tax Assessment Map and Tax Map of CAMDEN CITY and concerns premises commonly known as 1446 Kaighn Avenue, CAMDEN CITY, NEW JERSEY. YOU, Estate of James R. Troutman, Deceased, are made a defendant to the above referenced foreclosure action because you are the owner of record owner for the property subject of the Complaint and, therefore, named as a defendant to foreclose your interest in the subject property. YOU, Edward R. Troutman; James R. Troutman, Jr. a/k/a James Troutman a/k/a James D. Troutman; Marilyn McKeith; and Melanie E. Troutman, are named as defendants to the above referenced foreclosure action as heirs to James R. Troutman, and to foreclose your interest in the subject property. YOU, Unknown Heirs, Devisees and Personal Representatives of James R. Troutman, Deceased, are named defendants to the above referenced foreclosure action as unknown heirs to James R. Troutman, Deceased, and to foreclose your interest in the subject property. YOU, State of New Jersey, by and through the Motor Vehicle Commission, are named defendant(s) to the above referenced foreclosure action as judgment lien holders against Edward R. Troutman and/or James Troutman, and to foreclose your interest in the subject property. YOU, State Farm Insurance Company, are named a defendant to the above referenced foreclosure action as judgment lien holder against Edward R. Troutman and James R. Troutman, and to foreclose your interest in the subject property. YOU, National Credit Adjusters, are named a defendant to the above referenced foreclosure action as judgment lien holder against Edward R. Troutman, and to foreclose your interest in the subject property. YOU, Our Lady of Lourdes Medical Center, now known as Virtua Our Lady Of Lourdes Hospital, Inc., are named a defendant to the above referenced foreclosure action as judgment lien holder against James Troutman Jr., and to foreclose your interest in the subject property. YOU, Capital One Bank (USA), N.A., are named a defendant to the above referenced foreclosure action as judgment lien holder against James Troutman a/k/a James D. Troutman, and to foreclose your interest in the subject property. YOU, Midland Funding LLC, as assignee of Credit One Bank N.A., are named a defendant to the above referenced foreclosure action as judgment lien holder against James Troutman a/k/a James D. Troutman, and to foreclose your interest in the subject property. DATED: July 7, 2026 Michelle M. Smith, Clerk of the Superior Court of New Jersey July 10 2026 LNYS0553303 $92.88