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Law O f f i c e s of Aldon L . Bolanos Aldon L . Bolanos, Esq. , SBN. 233915 Nine Twenty-Five "G" St ree t Sacramento, C a l i f o r n i a 95814 PH. 916.446.2800 Fx. 916.446.2828 www.ALDONLAW.COM
Attorneys f o r P l a i n t i f f Danilo SESE
State of C a l i f o r n i a
County of Sacramento
Fl ! F n I II I'.ism S M T
ENDORSED 1.3 JUN-3 /lhl|:02
LEGAL PROCESS ;i 6
Danilo SESE
P l a i n t i f f ,
V .
Wells Fargo Bank, N.A.,
Defendant.
Case No. 34-2013-00144287
Notice of Application for Preliminary Injunction
Date: July 1, 2013 Time: 2:00 p.m. Dept: 53
To a l l p a r t i e s and t h e i r respective attorneys of
record:
You are hereby n o t i f i e d t h a t on July 1, 2013 at 2:00
p.m., i n Department 53, of the ab o v e - e n t i t l e d court,
located at 800 9th Street, Sacramento, C a l i f o r n i a , 95814,
P l a i n t i f f Danil Sese, through h i s counsel of record, w i l l
and hereby does move f o r a p r e l i m i n a r y i n j u n c t i o n t o e n j o i n
Defendant and i t s agents from conducting a fo r e c l o s u r e sale
scheduled f o r July 5, 2013, of a parce l of r e a l property
located at 8781 Longmore Way, Fair Oaks, C a l i f o r n i a .
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This matter i s set t o be heard on shortened n o t i c e
pursuant t o court order dated May 30, 2013. Any papers
opposing the motion s h a l l be f i l e d and served on or before
June 17, 2013. Reply papers, i f any, s h a l l be f i l e d and
served on or before June 26, 2013.
This court issues t e n t a t i v e r u l i n g s . I f e i t h e r p a r t y
wishes t o contest the r u l i n g , i t must contact both the
court and the opposing p a r t y before 4'p.m. the court day
before the scheduled hearing. Otherwise the t e n t a t i v e
r u l i n g w i l l become the order of the c o u r t . Tentative
r u l i n g s are a v a i l a b l e f o r viewing at www.saccourt.ca.gov or
by telephoning Department 53 at 916.874.7858.
The motion w i l l be based on t h i s n o t i c e , the
accompanying memorandum i n support, and the d e c l a r a t i o n of
Danilo Sese, also c o n c u r r e n t l y f i l e d .
Dated: June 3, 2013
Aldon L.'^Bolanos, Esq.
Attorney f o r P l a i n t i f f
Danilo Sese
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D Law O f f i c e s of Aldon L. Bolanos Aldon L. Bolanos, Esq., SBN. 233915 Nine Twenty-Five "G" Street Sacramento, California 95814 PH. 916.446.'2800 Fx. 916.446.2828 www.ALDONLAW.COM
Attorneys f o r P l a i n t i f f Danilo SESE
State of C a l i f o r n i a
County of Sacramento
ENDORSED i3JUM-3 AH Ih 03
LEGAL PROCESS
Danilo SESE
P l a i n t i f f ,
V .
Wells Fargo Bank, N.A.,
Defendant.
Case No. 34-2013-0014 4287
Memorandtim i n Support of Preliminary Injunction
Date: July 1, 2013 Time: 2:00 p.m. Dept: 53
Introduction and Statement of Facts
A. I n t r o d u c t i o n
P l a i n t i f f Danilo Sese r e s p e c t f u l l y p e t i t i o n s t h i s
court t o e n j o i n defendant Wells Fargo Bank from f o r e c l o s i n g
on h i s family's home and f o r c i n g them i n t o homelessness and
despondency. At present, he faces imminent fo r e c l o s u r e on
Jul y 5, 2013 a f t e r t h i s Court granted a Temporary
Restraining Order i n advance of the o r i g i n a l sale date of
June 4, 2013.
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Mr. Sese's p e t i t i o n i s made under the C a l i f o r n i a
Homeowner B i l l o f R igh t s , c o d i f i e d at C a l i f o r n i a C i v i l Code
§§2923 .6 and 2923.7. S p e c i f i c a l l y , he provides t h i s Court
w i t h s u b s t a n t i a l evidence t h a t the defendant bank engaged
i n the verboten and n e f a r i o u s p r a c t i c e o f " d u a l - t r a c k i n g "
him i n t o a f o r e c l o s u r e .
That defendant bank. Wells Fargo Bank, N . A . , i s
America ' s w e a l t h i e s t bank''" and, l i k e i t s behemoth b r e t h r e n ,
i s basking i n the recent g l o r y o f i t s most p r o f i t a b l e
f i s c a l qua r t e r i n the h i s t o r y o f American banking.^
B. Statement o f P e r t i n e n t Facts
Mr. Dani lo Sese i s the t i t l e d owner o f h i s f a m i l y ' s
home at 8781 Longmore Way, Fa i r Oaks, C a l i f o r n i a , 95826.
He has a f i r s t loan w i t h Wells Fargo, loan number
0047393731. L i k e many Americans, he experienced f i n a n c i a l
hardship i n the wake o f the Great Recession when h i s
business as an independent insurance salesman began t o
f a l t e r . As a consequent, he began t o f a l l behind on the
mortgage payments f o r h i s home. Thus, on January 28, 2013
a Not ice of D e f a u l t was recorded agains t h i s home. One day
l a t e r , the bank wrote a l e t t e r t o Mr. Sese s t a t i n g h i s home
was " c u r r e n t l y i n f o r e c l o s u r e " and t o avoid same by
s u b m i t t i n g a "Customer I n f o r m a t i o n Package" t o the "Home
^ By market c a p i t a l i z a t i o n . "Wells Fargo & Company: NYSE:WFC quotes & news". Google Finance. Re t r ieved November 5, 2011. ^ h t tp : / /www.sacbee .com/2013/05/29/5455523/us-banks-repor t - record-ea rn ings .h tml ^ A l l f a c t u a l statements are de r ived f rom the D e c l a r a t i o n of Dani lo Sese, c o n c u r r e n t l y f i l e d .
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Preservation Department." The January 28, 2013, Notice of
Default i s E x h i b i t 1 t o the Sese Declaration, the Wells
Fargo L e t t e r of January 29, 2013, i s E x h i b i t 2 t o the Sese
Declaration.
A f t e r r e c e i v i n g these documents Mr. Sese immediately
contacted Wells Fargo and spoke w i t h a bank r e p r e s e n t a t i v e
about the i n f o r m a t i o n needed t o resolve the issue without
f o r e c l o s u r e (a "work-out"). At the bank's request, he then
provided a complete "RMA A p p l i c a t i o n Packet" d i r e c t l y t o
the bank r e p r e s e n t a t i v e on February 11, 2013. The complete
package, w i t h personal i r i f o r m a t i o n redacted, i s E x h i b i t 3
t o the Sese Declaration. Unredacted copies of a l l
documents w i l l be a v a i l a b l e f o r i n camera i n s p e c t i o n at the
hearing on t h i s matter.
On February 14, 2013, Wells Fargo wrote t o Mr. Sese
and acknowledged having received the complete package. The
Wells Fargo l e t t e r i s E x h i b i t 4 t o the Sese Declaration.
Subsequently, i n telephonic communications the bank
re p r e s e n t a t i v e asked f o r supplemental documents from Mr.
Sese. On each occasion t h a t supplemental documents were
requested, Mr. Sese provided them immediately. Subsequent
documents were requested and submissions were provided on
February 18, 2013, then again on February 20, 2013, then
again February 27, 2013, and March 1, 2013, then A p r i l 16,
2013, and March 7" , 14^^, and 21^^ and f i n a l l y on May 8,
2013. On each occasion, the bank d u p l i c i t o u s l y requested
" a d d i t i o n a l " i n f o r m a t i o n which was merely a r e c a p i t u l a t i o n
of i n f o r m a t i o n p r e v i o u s l y provided and/or newly-created
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i n f o r m a t i o n (such as bank statements from months j u s t
ended). Copies of a l l the subsequent submissions from
February 2013 through May 2013 are E x h i b i t 5 t o the Sese
Declaration.
Notably, on May 9, 2013, Wells Fargo again wrote to
Mr. Sese and stated i t had received a l l of the requested
documents. Nowhere in the l e t t e r i s there any indication
that the application was in any fashion incomplete. Also
nowhere i n the l e t t e r i s there any indication that the
a p p l i c a t i o n had been r e j e c t e d or denied.'^ The May 9, 2013,
Wells Fargo L e t t e r i s E x h i b i t 6 t o the Sese Declaration.
However, Wells Fargo had already issued a Notice of
Trustee's Sale on May 1, 2013, and set the f o r e c l o s u r e sale
of h i s home f o r June 4, 2013. The Notice of Trustee's Sale
i s E x h i b i t 7 t o the'Sese Declaration.
F i n a l l y , the caper was complete when the bank sent a
l e t t e r a f t e r recording the n o t i c e of t r u s t e e ' s sale, and
requesting again the same p r o f i t and loss i n f o r m a t i o n and
income and expense i n f o r m a t i o n f o r Mr. Sese which i t had
p r e v i o u s l y requested and received. The i m p l i c a t i o n t o Mr.
Sese was obvious: w i t h t h i s l a s t l e t t e r the bank could now
" s h i f t the sands" of the d e f i n i t i o n of a "complete" package
and p o t e n t i o n a l l y claim Sese f a i l e d t o provide a l l
"requested" i n f o r m a t i o n .
///
^ This i s an essential fact because i t i s a fundamental prerequisite to even issuing a notice of default under the HOBR.
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I I . Legal Analysis
A. Legal Standard
I n deciding whether t o enter a p r e l i m i n a r y i n j u n c t i o n ,
the court must evaluate two i n t e r r e l a t e d f a c t o r s : (1)
the l i k e l i h o o d t h a t the a p p l i c a n t w i l l p r e v a i l on the
merit s at t r i a l , and (2) the i n t e r i m harm t h a t the
ap p l i c a n t w i l l l i k e l y s u f f e r i f p r e l i m i n a r y r e l i e f i s not
granted, as compared t o the l i k e l y harm t h a t the
opposing p a r t y w i l l s u f f e r i f the p r e l i m i n a r y i n j u n c t i o n
issues. Langford v. Super ior Court (Gates) (1987) 43 Cal.3d
21, 28). One of these two f a c t o r s may be accorded greater
weight than the other depending on the appli c a n t ' s showing.
Commons Cause v . Bd. o f Supervisors (1989) 49 Cal.3d 432,
447 .
B. The C a l i f o r n i a Homeowner B i l l of Rights
The Cal i f o r n i a Homeowner B i l l of Rights provides that
" I t i s the intent of the Legislature that the mortgage
servicer offer the borrower a loan modification or workout
plan i f such a plan i s consistent with i t s authority."
Ca l i f o r n i a C i v i l Code § 2923.6(b). I f a borrower submits
fi n a n c i a l s toward a loan modification effort, then the
servicer/beneficiary/bank s h a l l not conduct a trustee's
sale while the application i s pending and the servicer must
make a written determination that the borrower i s
i n e l i g i b l e . C i v i l Code § 2923.6(c). Emphasis added.
Also under t h i s new law, the lender must e s t a b l i s h a
si n g l e p o i n t of contact and provide one or more d i r e c t
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means of communication w i t h the s i n g l e p o i n t of contact.
C i v i l Code § 2923.7(a). That contact s h a l l be responsible
f o r communicating the process f o r for e c l o s u r e prevention
a l t e r n a t i v e s and c o o r d i n a t i n g r e c e i p t of a l l documents
associated w i t h same. I d . at ( b ) ( 1 ) . Further, t h a t p o i n t
of contact s h a l l have access t o a l l current i n f o r m a t i o n and
t i m e l y provide same t o adequately inform the borrower.
I d . , (b) (2) and (3) .
C. P l a i n t i f f Meets His Burdens
1. L i k e l i h o o d of P r e v a i l i n g on the Merits
Here, Mr. Sese meets h i s burden as t o whether he can
show t h a t he w i l l p r e v a i l on the m e r i t s . F i r s t of a l l , he
has amply demonstrated by the evidence submitted t h a t he
was engaged i n a loan m o d i f i c a t i o n n e g o t i a t i o n , t h a t he
provided a l l documents requested of him i n a d i l i g e n t and
t i m e l y fashion, and t h a t he was also subject t o dual
t r a c k i n g at the very same time. Indeed Wells Fargo's
e f f o r t s appear t o have been c a r e f u l l y coordinated, w i t h a
form l e t t e r generated the very next day a f t e r a n o t i c e of
d e f a u l t was prepared.
Moreover, any issue w i t h whether the a p p l i c a t i o n was
"complete" i s i n s i d i o u s and an unjust n i g g l i n g w i t h the
s t a t u t o r y mandate. A bank could t h e o r e t i c a l l y continue t o
f a b r i c a t e missing and i n t e g r a l documents which i t d i d not
receive, t o the p o i n t of abject a b s u r d i t y ("we d i d n ' t
receive the hand-sketch of Donald Duck, ergo the
a p p l i c a t i o n i s ^incomplete' under the s t a t u t e " ) . No, the
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evidence p l a i n l y discloses t h a t Mr. Sese gave the bank
everything i t asked f o r , and immediately upon being
requested t o so do.
F i n a l l y , and d e c i s i v e l y , the bank cannot escape the
p l a i n inference from the evidence t h a t i t v i o l a t e d the law
because i t cannot provide t h i s court w i t h any evidence t h a t
i t wrote t o Mr. Sese and st a t e d t h a t h i s m o d i f i c a t i o n
a p p l i c a t i o n was r e j e c t e d . This i s the n a i l i n the c o f f i n
f o r the bank i n regards t o any analysis of p r e v a i l i n g on
the m e r i t s .
2. Balance of Hardships
Next, Mr. Sese also meets h i s burden i n balancing the
r e l a t i v e hardships. I f the i n j u n c t i o n i s not granted, he
and h i s f a m i l y w i l l be l i t e r a l l y made homeless. Their very
l i v e s w i l l be at issue because they w i l l have nowhere t o go
and nowhere t o t u r n .
Conversely, Wells Fargo experiences p r e c i s e l y zero
hardship by the g r a n t i n g of an i n j u n c t i o n . I t remains the
country's w e a l t h i e s t bank coming o f f i t s best f i s c a l
quarter i n the h i s t o r y of American banking. I t loses
perhaps the o p p o r t u n i t y t o e n r i c h i t s e l f on the back of
another American taxpayer w i t h the f o r e c l o s u r e sale of a
property which w i l l not f e t c h at auction the amount owed on
the promissory note. Indeed under t h i s a n a l y s i s . Wells
Fargo a c t u a l l y b e n e f i t s from not performing the f o r e c l o s u r e
sale because i t i s v i r t u a l l y guaranteed t o receive less
than i t i s owed under t h a t scenario, whereas Mr. Sese
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remains w i l l i n g t o consummate an agreement t o stay i n h i s
home and continue making payments under the note.
3. Balance of E q u i t i e s
The simple f a c t i s t h a t Mr. Sese i s e n f o r c i n g a p u b l i c
r i g h t , born i n the ashes of the Great Recession caused
d i r e c t l y by banks' reckless p r o f i t p u r s u i t and subsequent
b a i l o u t of "too b i g t o f a i l " AIG, which had been duped i n t o
i n s u r i n g Wall Street's r i s k y and complex d e r i v a t i v e s . I n
t h i s a n a l y s i s , the i r o n y should not be l o s t on t h i s Court
t h a t i t was taxpayers l i k e Mr. Sese who gave t h i r t y cents
of every d o l l a r they earned t o save the banks i n t h e i r time
of need, but t h a t the very same banks are now repaying t h a t
c h a r i t y by pushing the or d i n a r y man out of h i s home. This
court has an o p p o r t u n i t y here t o r e c t i f y t h a t i n e q u i t a b l e
i n j u s t i c e .
D. I f the I n j u n c t i o n i s Granted, a Minimal Bond Should Be
Required Because the Public I n t e r e s t i s Strongly Implicated
As a recent court held under nearly i d e n t i c a l
circumstances: "An i n j u n c t i o n i s i n the p u b l i c ' s i n t e r e s t
as i t enforces a r e c e n t l y enacted law designed t o p r o t e c t
the p u b l i c . " ^ For t h a t reason, and i n l i g h t of the f a c t
t h a t defendant bank w i l l not be damaged at a l l i f i t were
found t o be w r o n g f u l l y enjoined, i t i s r e s p e c t f u l l y
^ Singh v. Bank of America, United States D i s t r i c t Court, Eastern D i s t r i c t of C a l i f o r n i a , Case No. 2:13-cv-0G729-MCE-AC, Memorandum and Order Granting Preliminary I n j u n c t i o n .
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submitted t h a t a bond i n the amount o f one thousand d o l l a r s
i s s u f f i c i e n t t o p r o t e c t the defendant's i n t e r e s t here.
I l l . Conclusion
For the foregoing reasons, i t i s r e s p e c t f u l l y
requested t h a t defendant bank be enjoined from the
for e c l o s u r e sale of p l a i n t i f f ' s home u n t i l such time as h i s
case can be heard on i t s m e r i t s . The status quo must be
preserved both because Mr. Sese has demonstrated a
s u b s t a n t i a l l i k e l i h o o d of success on the merits by the
submission of evicience, and because the balance of
hardships t i p s sharply i n h i s favor, given t h a t i f he i s
dispossessed of h i s home by fo r e c l o s u r e sale and subsequent
e v i c t i o n , he and h i s f a m i l y w i l l be rendered homeless and
d e s t i t u t e . Conversely, the country's w e a l t h i e s t bank,
a f t e r experiencing i t s most p r o f i t a b l e quarter i n the
h i s t o r y of p r o f i t a b l e quarters, w i l l experience p r e c i s e l y
zero hardship.
R e s p e c t f u l l y Submitted,
Dated: June 3, 2013
,^ldon l£. Bolanos, Esq.
Attorney f o r P l a i n t i f f
Danilo Sese
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Aldon L. Bolanos, Esq., SBN. 233915 Law Offices of Aldon L. Bolanos, Esq. Sacramento, CA 95814 PH. 916.446.2800 Fx. 916.446.2828 www.aldonlaw.com
Attorneys for P l a i n t i f f Danilo SESE
L t ENDOPfsED 13 JUN-3 AH II: 05 LEGAL PROCESS
State of California
County of Sacramento
Danilo SESE,
P l a i n t i f f ,
vs.
Wells Fargo Bank, N.A.,
Defendant.
Case No. 34-2013-00144287
Declaration of Danilo Sese
Date: July 1, 2013 Time: 2:00 p.m. Dept: 53
I , Danilo Sese, declare as f o l l o w s :
1. I am the p l a i n t i f f i n t h i s a c t i o n and make t h i s
d e c l a r a t i o n on my own personal knowledge. I f c a l l e d I
could and would t e s . t i f y competently t o everything
contained herein.
2. I am the t i t l e d owner of my family's home at 8781
Longmore Way, Fair Oaks, C a l i f o r n i a 95628. I have a
f i r s t loan on the property through Wells Fargo Bank.
The loan number i s 0047393731.
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3. Approximately one year ago, my business as an
independent insurance salesman began t o f a l t e r . As a
r e s u l t , I f e l l behind on my mortgage payments on my
home.
4. On or about January 28, 2013, I received a Notice
of Default on my f a m i l y home. A t r u e copy of the
Notice of Default i s E x h i b i t 1 attached hereto.
5. Then on or about January 29, 2013, I received a
l e t t e r from the bank s t a t i n g my home was " i n
f o r e c l o s u r e " and i n v i t i n g me t o provide documents f o r a
loan m o d i f i c a t i o n . A t r u e copy of t h a t l e t t e r i s
E x h i b i t 2.
6. A f t e r speaking w i t h a re p r e s e n t a t i v e from the
"Home Preservation Department" I was induced t o provide
something c a l l e d a "RMA A p p l i c a t i o n Packet." I d i d
provide t h a t complete package on February 11, 2013. A
tr u e copy of the e n t i r e package, w i t h my personal
f i n a n c i a l i n f o r m a t i o n redacted, i s E x h i b i t 3 hereto.
7. On February 14, 2013, the bank wrote me and
acknowledged having received a l l of my documents. A
tr u e copy of t h a t l e t t e r i s E x h i b i t 4 hereto.
8. Subsequently, I engaged i n numerous telephone
conversations w i t h various bank re p r e s e n t a t i v e s , but
mostly w i t h an i n d i v i d u a l named Anthony Hacker. A f t e r
each telephonic conversation w i t h Mr. Hacker, I would
provide him w i t h a d d i t i o n a l documents at h i s request.
On each and every occasion, I provided him w i t h
everything he requested. True copies of my document
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submissions to Mr. Hacker between February 2013 and May
2013 are E x h i b i t 5 hereto. My personal f i n a n c i a l
i n f o r m a t i o n i s redacted.
9. On or about May 9, 2013, I received a l e t t e r from
Wells Fargo informing me i t had received a l l my
documents and was considering my loan m o d i f i c a t i o n
a p p l i c a t i o n . I was never given any i n d i c a t i o n by
l e t t e r or otherwise by Mr. Hacker t h a t my a p p l i c a t i o n
was i n any manner incomplete or i n any manner r e j e c t e d .
A t r u e copy of the May 9, 2013 l e t t e r i s E x h i b i t 6
hereto.
10. Then t o my shock and s u r p r i s e , on or about May 11,
2013, I received a Notice o f Trustee's Sale, w i t h the
sale set t o take place on June 4, 2013. I f e l t
completely duped and betrayed, l i k e the bank had been
s t r i n g i n g me along the e n t i r e time, and merely humoring
me while i t proceeded w i t h t a k i n g my home. A t r u e copy
of the n o t i c e of t r u s t e e ' s sale i s E x h i b i t 7 hereto.
11. F i n a l l y , i n a l e t t e r dated May 14, 2013, but not
received by me u n t i l May 18, 2013, Wells Fargo s t a t e d
i t again needed " a d d i t i o n a l i n f o r m a t i o n " i n the form of
another updated p r o f i t and loss statement f o r my small
business (such a statement had p r e v i o u s l y been provided
on several p r i o r occasions) and another explanation of
income and expenses which again had already been
requested and provided. I b e l i e v e the bank sent t h i s
request t o me. i n bad f a i t h , so t h a t i t could l a t e r
contend t h a t i t was s t i l l asking me f o r i n f o r m a t i o n i f
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i t were ever questioned about the t i m i n g of i t s
foreclosure on my home. A t r u e copy of the bank's May
14, 2013 l e t t e r t o me i s E x h i b i t 8.
12. I f I lose my family's home I w i l l be homeless and
d e s t i t u t e . I have no place else t o l i v e .
I declare on penalty of p e r j u r y under the laws of
the State of C a l i f o r n i a t h a t the foregoing i s t r u e and
co r r e c t , so help me God.
Dated: May S j . 2013
Danilo Sese
Exhibit 1
Recording Requested By When Recorded Mail To
Cal-Wcstern Reconveyance Corp. P.O. Box 22004 525 East Main Street El Cajon CA 92022-9004
Sacramento County Recorder Craig D. Kramer, C
II erk/Recorder
BOOK' 2013(il28 ''"GE 0084 Check NuRb«r 29SZ
Monday, JRN 28, 2013 8:26:13 RH Ttl Pd $24.ee Rcpt t» eee7634igi
TflH/74/I-3
Trustee Sale No. 1379715-31 APN: 246-0493-002-OUOO Space Above This Line For Recorder's Use Ref: SESE, DANILO Property Address: 8781 LONGMORE WAY, FAIR OAKS CA 95628-6347
NOTICE OF DEFAULT
130005^'^ k
IMPORTANT NOTICE IF YOUR PROPERTY IS IN FORECLOSURE BECAUSE YOU ARE BEHIND IN YOUR PAYMENTS, IT MAY BE SOLD WITHOUT ANY COURT ACTION, and you may have legal right to bring your account in good standing by paying all of your past due payments plus permitted costs and expenses within the time permitted by law for reinstatement of your account, which IS normally five business days prior to the date set for the sale of your property. No sale date may be set until approximately 90 days from the date this notice of default may be recorded (which date of recordation appears on this notice). This amount is $16,008.00 as of January 22, 2013, and will increase until your account becomes current. While your property is in foreclosure, you still must pay other obligations (such as insurance and taxes) required by your note and deed of trust or mortgage. I f you fail to make future payments on the loan, pay taxes on the property, provide insurance on the property, or pay other obligations as required In the note and deed of trust or mortgage, the beneficiary or mortgagee may insist that you do so in order to reinstate your account in good standing. In addition, the beneficiary or mortgagee may require as a condition to rcmstatement that you provide reliable written evidence that you paid all senior liens, property taxes, and hazard insurance premiums.
Upon your written request, the beneficiary or mortgagee will give you a written itemization of the entire amount you must pay. You may not have to pay the entire unpaid portion of your account, even though full payment was demanded, but you must pay all amounts in default at the time payment is made. However, you and your beneficiary or mortgagee may mutually agree in writing prior to the time the notice of sale is posted (which may not be earlier than three months after this notice of default is recorded) to, among other things, (1) provide additional time in which to cure the default by transfer of the proper! (1) and (2). the property or otherwise; or (2) establish a schedule of payments in order to cure your default; or both
Following the expiration ofthe time period referred to in the first paragraph of this notice,'unlcss the obligation being foreclosed upon or a separate written agreement between you and your creditor permits a longer period, yuu have only the legal right to stop the sale of your property by paying the entire amount demanded by your creditor.
To find out the amount you must pay, or to arrange for payment to stop the foreclosure, or if your property is in foreclosure for any other reason, contact: WELLS FARGO BANK, N.A., SUCCESSOR BY MERGER TO WACHOVIA MORTGAGE, FSB, FORMERLY KNOWN AS WORLD SAVINGS BANK, FSB
C/O CAL-WESTERJV RECONVEYANCE CORPORATION 525 EAST MAIN STREET P.O. BOX 22004 EL CAJON CA 92022-9004 (619)590-9200
I f you have any questions, you should contact a lawyer or the governmental agency which may have insured your loan.
NODCA
Notwithstanding the fact that your property is in foreclosure, you may offer your property for sale, provided the sale is concluded prior to the conclusion of the foreclosure. Remember, Y O U M A Y L O S E L E G A L R I G H T S I F Y O U DO N O T T A K E P R O M P T A C T I O N .
N O T I C E OF D E F A U L T A N D E L E C T I O N T O S E L L U N D E R D E E D OF TRUST
NOTICE IS HEREBY GIVEN:
CAL-WESTERN RECONVEYANCE CORPORATION is either the original trustee, the duly appointed substituted trustee, or acting as agent for the trustee or beneficiary under a deed of trust dated October 03, 2007 executed by
DANILO V. SESE, A MARRIED MAN as trustor, to secure certain obligations in favor of WORLD SAVINGS BANK, FSB, ITS SUCCESSORS AND/OR ASSIGNEES as beneficiary, recorded as document XX on October IS, 2007 in book 20071015 page 1763 official records in the office of County Recorder of SACRAMENTO County, California, describing land therein as:
COMPLETELY DESCRIBED IN SAID DEED OF TRUST,
said obligations including a promissory note for the principal sum of $472,000.00. That a breach of, and default in, the obligations for which such Deed of Trust is security has occurred in that payment has not been made of:
Failure to pay the monthly payment due September 1, 2012 of principal, interest and impounds and subsequent installments due thereafter; plus late charges; together with all subsequent sums advanced by beneficiary pursuant to the terms and conditions of said deed of trust.
That by reason thereof the present beneficiary under such Deed of Trust has deposited with said trustee such Deed of Trust and all documents evidencing obligations secured thereby and has declared and docs hereby declare all sums secured thereby immediately due and payable and has elected and does hereby elect to cause the trust property to be sold to satisfy the obligations secured thereby.
SEE ATTACHED DECLARATION
T.S. 1379715-31 Dated: January 22,2013 CAL-WESTERN RECONVEYANCE CORPORATION
Signature By SUPERVISOR
Monica Chavez
NODCA
(page '2 oC 2)
DECLARATION OF COMPLIANCE
wells Fai-go Bank, N.A. 3'176 Stnteview Blvd. Fort Mill, SC 29715
(Ctili/oi nlii Civil. Code Seciion 292X55'(c)J~
Bori-ower(s); DANILO V SESE
Propeily Address: 8781 LONGMORE WAY FAIR OAKS CA 95628
The undersigned, as an aulhorized agent or employee of the mortgage servicer named below, declares lhal:
1. The iiiorlgagc sei'viccr has contacted Ihe borrower piirsuani to California Civil Code §2923.55(b)(2) lo "assess the borrower's financial situation and explore options for Ihc borrower lo avoid foreclosure". Thirty (30) days, or more, have passed since the initial contact was made.
2. Q The mortgage servicer has exercised due diligence to contact the borrower puisuant to California Civil Code §2923.55(0 to "assess the borrower's financial situation and explore options for ihe bonwer to avoid foreclosure". Thirty (30) d.iys, or more, have passed since these due diligence efTorts were satisfied.
3. Q No contact was required by the mortgage servicer becaiise the iiidividual{s) identified above did not meet the definition of "borrower" pursuant to subdivision (c) of California Civil Code §2920.5.
4. Q Tie requirements of Califomia Civil Code §2923.55 do not apply because tlie loan is not secured by a first lien morlgagc or deed of Irust on "owner-occupied" residential real pioperly as defined by California Civil Code §2924.15(a).
I certify thai liii.s declaration is accurate, complete and supported by competent and reliable evidence which the niortgnge servicer has reviewed to subslanlialc the borrower's default and Ihe right lo foreclose, including Ihe borrower's loan status and loan informalion.
Wells Fargo Banli, N.A.
01/14/2013
053 CA V3
Exhibit 2
Fa.x: 1-866-278-1179 Telephone: 1-800-416-1472 CoTTCspondence: VO Box 10335 Des Moines, IA 50306 Hours of Operation: Monday-Friday, 8:00 a.m. to 8:00 p.m. Central Time
January 29,2013
DANILO V SESE 8781 LONGMORE WAY
Loan Number: 0047393731 Property Address: 8781 LONGMORE WAY
Subject: Notice Pursuant to Cal. Civ. Code § 2924.9
Dear DANILO V ,SESE:
We're writing to let you know that your mortgage is currently in foreclosure. However, you may still have an opportunity to keep your home or prevent foreclosure, even if you previously indicated tliat you do not wish to stay in your home.
Wc urge you to avoid foreclosure if possible Any number of circumstances might have made it difficult for you to make your monthly mortgage pajments, such as a job loss, or une-xj ected e.xpenses.-.Whate-ver your current situation, it may still be possible for you to avoid foreclosure.
You still may have time - if you act immediately We previotisly sent you a letter informing you about available mortgage assistance options to avoid foreclosure, along with a Customer Information Package for you to complete and return to us to be evaluated for these options. If you did not receive these documents, no longer have them, wish to receive new documents, or if you did not return the required infonnation, please contact the Home Preservation Department immediately at the phone number above for a new package. Please keep in mind that we cannot evaluate you for mortgage assistance options until we receive the completed package.
Don't delay We are here to help you, but we must hear from you. If you want to keep your home, or if you no longer wish to stay in your home but want to avoid foreclosure, please call the Home Preseivation Department today at the phone number above to discuss your options.
Sincerely,
Wells Fargo Home Mortgage
Wells Fargo Home Mortgage is a division of Welis Fargo Bank, N.A. NMLSR ID 399801
P.O.Box 23159 San Diego, CA 92193-3159
RETURN RECEIIT REQUESTED
71 ItTDQ EMfl4 D217 TbSS L
Mailed On: Reference Number. Mailing Number
January 29, 2013 1379715-31 3 1930595-01 ClientID: CWR CR
DANILO V SESE 8781 LONGMORE WAY FAIR OAKS CA 95628
Exhibit 3
FAX COVER SHEET
FAIR OAKS, CALIFORNIA FAX: (916) 961-0321
TO: AMTHQhjy Hm<(lQ.
COMPANY: WACHoUfA ; l4oH}G. ?m^%(=Q\}friiau pen FROM:
DATB:
RE:
DANNY V. SESE (916)718-0135 Cellphone
TOTAL # OF PAGES . / ^ INCLUDING COVER SHEET
MAKING HOME AIFORDABLEi ov
Making Home Affordable Program Request for Mortgage Assistance (RBIA) acquest For Mortgagf.AssSscacceiSai^Opgget ' •
Rcqussatmg mortgage assisrance fbr mortgage loan numben ^ Q ( i - ^ 3 ^ 3 ? 3 I
1/We want to; t ^ ^ e p the propsrty • Sell the property
Thepx^pcrtyiamy/oxat-. V^fprimaiy re$ideace DSewndhonie • Investment property
Th* property is; V^fOwner oa-jpied • Renter occupied • Vacant
Borrower iaformatioix Borrower iCo-bcirrowcr Korrov.-er's name
DmiLo M. sese Oo-borrowar's name
Social Security nutnber Dateofbirth
^i^^ftii^^rt^^^ Social Sscuriry number Oat« of birth
Home phone number Home phase cumber
( ) Cell phone miinber Cell pJioce namber
( ) Work phone isumber Work phone number
C ) Emai] address Email addrsss
Mailing address
9*? LO^cmfte WAy Mailiuj address (if£fferent than borroiuer's)
CO'anielor's phone number: ( ) .
Have you contacted a credit-cQv»seJmgaseiiC3'for hdp? [jYes
If yes, complete counselor contact iafijrjnaijoa bek'w,
Coonaelor's name;
Counselor's email:
Is any borrowftr a ser«Sce3n«nb«t-? • Yes V^No
Ify«s, nave you recently bean deployed a-wayfrijniyouif principal residcncftor rteentl}'rsceived Eperrannent change of«atiott Order?
• Yes DNo
Have you filed for bafltoruiptcy? DYes VEINO
If yes: • Chapter 7 •CSiaptern • Chapter 12 •Chaptsris
Filinj data: Has your bsnfcnipfcy been discharged? D Yes • No
KeqxKlSt ftirMurtgBga Asyijtante Form Page i 6ttO TSSSJMX)'05/12
BARCODE
Bankruptqy ca.se number:.
?lea58 nots that if you have or will receJve a disshange from a bankruptcy case, and the mortgage was not reaffirmed in the bankraptcy ca s we v/tH only exercise ow rights agsmst the prapetty and are not attanpting any act to collect the dischai ed debt from yon per«)na]!y "Additionally your decision to discuss worfeout optocs with us is istrictly ijlnntary. You ars not obligated to puisus any workout options discusssd with as. At your request, vfe wiU unmsdiately terminate any such disvussions should yea no longer wish to pursue these options.
How nuuiy siHgle family properties otiiea* itian yoiur principal residence dp you and/or am- co-borrower(s) ovm indi-viduallv joaiUy, orwiUiHthers? "
o Has the rnortgage on youp principal residence ever had a Home Affosiiable Modification Program (HAjVtPJ trial period pltai or pemuuicnt modification?
DNo
Has the luorlaagB on any other property that you or any co-bojTower o'*vn had a permsment HAMP modification?
• Yes tSlfo k/k
If yes, ho'vv' many?
Are you or airy co-botroiver currently in or being considered for a KAMP trial pei^od plan on a property other than your prindpal re^deaicc?
• Yes \0ko
jPrincipal residencg information
NotjB! If you are reqiiestw»g mortgasc assistance, you must complete this section even i f you are not SiSekins mortgage a sdscance on yout plincipal residence.
Principal residence loan auniber
Propertj' address (if same cs mailijig address, write "sarn$")
Principal residence jiervicer name
Number of people vOio hvs in the home
/
Is this propeity listed fov eale?
If yes, 'rfhat was property listing date?
Haveyourecelvedian offer on the propanj? DYfiS ZifNo
Date of offer: Asaount cf offsr; S
Aesnt/Agenty name;
Por Bale bv owner?
Qosing d&t«:.
Ageat/Agenoj' phone number ( )_
• Ve3 DNo
• Vho pay« t i l* reisi estate tax bill on your property? • I do ^iSfServiier does
Request for Mortgage Assistance Formi WBociype $0431 78381BIU os/12
BARCODE
Are the taxes current? l^lYes • Ko
M onthly coudonjinium or houieowiiew association -fee? O Yes ¥ O
Are fees paid curreoL' •Yes DNo / J / A
Paid to (Name and Address)
Who pays the homeowners instu-ancs poIi(^ for your propertj'?
P I do igTServicer does • Paid by condominium or homeowners assodation (HOA)
ISThe policy current? U ^ « s DNo
If paid by you cryour conddminluM or HOA, nama of insurance 60mp4ny;_
Insurance comjany phone atUBberr ( )
Annual homeoivners insurance: S
If there are additional liens/mortgage^ or jttdsments on this property, name the perscm(s), coinpany or firm and phone numberCa). n .o i j / J
Ijen holdar'B name/Servicer; ^ Phone number: ( ) .
Loan number: Balance; S
Uen holder's aamc/Servicer:___ Phone number; ( ) .
Loan nuniber: Balance: S
Complete this section ONLY i f you arei requesting mortgage assisrance iv-ith a properly that is not yow principal residence,
Principal rfiside-ice servicer name: ,
Principal residsnee phone numben ( )
is tlie mortgase on your principal residence paid? DYei DNo
If no, number of months your payment is ipast due (if l-jioivn):
Hardship Affidafvit
I am requesting review under the Maling Home Affordable Pregran;, I am having difficulty maldng my monthly payment because of SnanciaJ difficulties aeated by (check all that apply).
l ^ M y household Jucone has bsen reduced. For example: reduced pay or hours, decline in tuainesa earnmss, death, disability or divorce of a borro'wer or co-borrower.
i 0 My monthly debt payments are excessive and I am overejtlentled tvith my creditors. Debt inelndes credit cards, home equity or othet dsbt.
My expenses have Increased, For example: monthly mortgage payment reset, high medical or health care casta, uninsured losses, increased utilities or property taxes.
J3^1y cash resen'as, induding aU liquid assets, ate insufiBcient to maintain my currant mortgage payment and co-ysr basic ll\'ing expenses at the same time.
• I am unemployed and (a) I am teceiviBg/voli receive nnemployment benefits or (b) my unernploya)ent benefits ended less than 6 months ago.
Reeittutit ibr Slortgcige Assistance Foin ""SFDoSS peso ai Page 3 of 10 7838151U OS/12
BARCODE
V 0 Other
£]i:pl&nation (continue on bacl; of page 3 if necessaiy);
.1 urns Lki n cm, acGdQk)! ou DUa,i 8(Ff? oa iXhif) km?
m FiiMuciQ^ g-o/a.
Hcqucst for Mortgage .Aisisrance Jisrm KFDoclVpc 50431 PagE 4 of 10 TSfiSiilU 05/ia
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lacome/espeasesfor houaeliold
Important note: All income must be documented.
Combined income and expense of borpotver gijij co-borrower You are not required to disclose chDd support, alimony or separation maintenance income unless you ehoose ta have it cmBidered by yo servicer,
Co-borro'wer start date of emplovroent (MMDDYYYY) Borrovirer cfther emfdoyment fltart date (MMDDYm) (If borruwer has a second job) .
Co-borro'wer other employment start date (M-MDDYYYY)
support/alimony/separation maintenance
Taxable Social Security benefits
1
Monthly hoxisehold income Monthly gross wages
Overtime
.Sflitoaacstartiatsjif-employment (MMj DYYYY)
Non-taxable Social Security/Social Security Disability Insurance
Othet monthly income from pensions, annuities or tetitement plans Tips, commisaiona and bonus income Sslf-employment income
Unemployment incoaie
SUOrt dale of unainplojmeat (MMDDYYYiQ Groco rent receivieds
Boarder income
Pood riamps/Wslfnre Otliw iijaestment incoms, royalties, interest, tUvidends, itc.y
Total (gro<$ inoo&a«)
0 O ^ / 0 / / 9 { / iiomsovmers insutance'
Credit cards/instaHmsm loanCs) (total minimum pauynentper month) Alimony/sepaiBtion ' maintenance/child support payments N"ei rental expenses/ proper^ in* intenance sxncnses
? o
0 0
Mpnthl'vho^ehold •espcnsea/debt Fiist mortgage paymont Second mortgage payment/ other liens
Property taxe.'!'
HomeownecB aasooiatioa/ condominium fees
Child care cipenses
Car payments, including ear lease pnyments
Car icsuiance/gas/ maintenance Health insurance/msdical expenses Lite insurance presiiuma (nof'vith'neld from rar) Groceries
/OQOO
Watei/s(rwer,''uti]itjes Intemst./cable/sateilite/cell phoae/home pbonw Personal loans/tuition
Charitable contributions
Mortgage paj-ments for ether propenies 1 Other
Total debis/s.'flpeQses
0
0
0 0
0
692-
3O0
0
0
L OJsly incl\ide your homeownetE insurance paymeat if you pay this amoimt yoiirseil
9 6 3 0 ^ 3 Total assets
Household assets ChecMn; acoount(s)
3aving.'»/money-market-aecoontfs)
Certificate{*) of deposit (CDs)
Stocks,'];ond(s)
Other cash on hand
Other leal estate (EstiiriQred tusfue)
Other
300
o
o
Do not indude retirement plans •v/hen calculatins assets pSnsioTi fimds, annuities, TRAs, Keoffh plans, etc.)
2 OolvinclvidovouTpiopBrtytaxpaymentsifjoupaythemyouisclf. _ j , 1, • 3. Include rental income received from aU properties you o™ EXCEPT a property for ifhidi you are seslong mortgage assistance in the foUovring
include mcitsage papents on all properties you OVNT. EXCEPTyonr ptinsipal residence and the property for whidi you are seeking mor-vgage assistance in the following ssction.
Request for Mortgage jissistaiMMi Form Page 301 »0
EFDCHTD-pe 50431
BARCODE
I n f o r m a t i o n about yoar other properties
Othea* proijerties o'wned - ivj Q ^ (5 You must provide information about all propertJss that yon or the CO-borro\VEr own, other than your principal tcridence and the pronerh-tliat you are requesting assistance &r. (See Iselow.) Use additional .sheets Jf necessary. y y
Other Property #1
Property address:_
Loan number:,., Servicer name:
agaiakace:LS_
Property Is: • Vacant D Second or seasonal aome
Gross montfab' rent: $ '
• Rented
Monthly mortgage payment*: $_
Oth ftr Property isa
Property ftddTesB:_
Loan number:
Mortgage balance: $_
Servicer name:
Current value: $
Property is: O Vacaa* • Second or seasonal home • Rented
Gross monthly rent: S_
Other Property #3
Propeny addreis:
Ijoan number:
Monthly mortgage payment*: S_
Sen-icer name;.
Mortgage balance: Current value: $_
Property is; Q Vacant • Second Or seasonal home Dilented
Gross monthly Tent S MontlilymertBage payment*: s_
* The amount of the moutlity p^vjnent made to your Servicer - induding, If appJicable, monthly principal, interest, real properly tax?© and insurance pitimiums.
Other property for which a$si$t4»ie« is requested
{JompMe this section ONLY if you are requesting aortgage assistance with a property that is not your principal residence.
I am requesting mortgase assinaace vv'itii s rental property, • Yes • No
t am requesting mortgage assistance with a second or seasonal home. • Yes • No
Ifyes to either, I want to: • Keep th(5 properly •Sel l the propertj"
Property address;
Loan number:
^cq vest -ior Martgiage Aisistjoice ?orm Page 6 of 10
KFDocTyp e 50431 TSsSaJHU os/o
BARCODE
Do yon have a second mortgage oaths property? DYes v0^o
If y«S, Servicer name: , Lean number:
Po you have c mdominiuTO or homeowner association (HOA) fees? O Yes vSl?o
Ifyes, montfcb'fee; s
Are HOA fees paid current? • Yes • No
Name and addrsss that fees are paid to:_
Dofi3yourmortsase payment indude taxes and jjisiuance? vgjYes • No
HffnorarBthetaxeff^gd inSuiancepaid current? QYes QTJo
If insurance is paid by you or HOA, nameof insurants company;,
Insurance company phone n-ambcr: C ).
Annual homsovmeis inwtaace; $ Annua) propeny taxes: s
If requesting assistance ivith a rental property, properly is currently:
• Vacant and available for rent • Occupied Vr-ithout rent by your legal dependent, parent or grandparent as their principal residence
• Occupied by a tenant as theii' principal residence • Other
If rental property is oocnpifd by a tenant:
Term of leas«/Occupancy: / I - / _ _ _ / _ MM / DD / YYYY MM / DD / YTlT
Gross monthly rent: ?
I : rental property ia •vacaat, describe effprts to rent ptopei^:
If applicable, describe relationship of and duration of non-rent paying occupant of rental property:
Is the property for sale? • Yes • No
Ifyes, I-isting agent's name; ^_____ PhOae number: {_
List date: ^ _ _ _ _ _ _ ^ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Have you receded a purchase offer? • YflS • No
Amount of oEEier: $ , Ciosing date;
Rental Property Cer^cation
You must complets this cerliQcallon ifyou are requesting a mortgage modification with raspectte a rental propeity.
• By checking Lhis box and initialing below,! am requestsng a mortgage modification under MHiVvfith respect to the rental property as previously described, a nd t hereby eertiiy under penalty of pflxjury that each of the foUowing statements is true and correct vvith rtspect to that pr0psr1>':
1- 3 intend to rent the property to a tenant or tenants for at least five years foBomng the effective date ofm>' mortgage modification, I understand that tha sarviwr, the U.S. D^rttnant ofthe TreasHiy, or their nsapccave agents may ask me to prcvide evidence of my li intsnticQ
Kcqnsst lor Mortgage .Afsist nce Porm RFDocType 50431 Fagit7«>flo 783SlJfflU05/j2
BARCODE
to rent the properly during such time. 1 further understand that such evidence must showtiiat I used reasonable efforts to rent the property to a tenant or tenants ott a year-round bafis, if the property is or becomes vacant during such five-year period. Note: The term "reasonable efforts" includes, without limitation, advertising the property for rent in local nowspapets, websites or other commonly used forms of written Or electronic media, and/or Engaging a real estate or other professional to assjst in rentiag the property, in either case, at Or beicftv' marltet rent
2. The property is not my secondary residence and 1 do not intend to use the properly asa secondaty residencs for at least fiveyears ftillov^i tie effective dats of my mortgage modification. I understand that if I do use the property as a secondary residence during such five-year period, my use of the property may be considered to be inconsistent with the certifications I hava made herein. Note: The term "secondary rssidence" includes, wthout limitation, a second home, vacation home or otiier type of rMidepcg littt 1 personally use or occupy on a part-time, seasonal or othe? basis.
3.1 do not ovvn more than five (5) single-femify homes (i.e., one-to-fbur unit properries) (exclusive of mj' principal ttsidence).
-NotwJthstflndJnstheforesojng certUications, I may at ariy time sell tho property, occupy it as my prindpal residence, or permit my l^;al deipendcnt, parem orgrandparaitto occwpy i t as their prindpal residencii wtib no rent charged or coUccted, none of >vfaic]]i 'tvill be considered to be inconsisttot H-ith the certifications made herein.
This certification is effective on the date I signed this form or the date the RMA is reeswed ty youi Servicer.
Initials: Borrov fer: Co-barrovi«r; .
Dodd-Fraiik Certification ThefollO'vving information is requested by the fedaral govemment ia accordance Wth the Dedd-Frank Wall Street [lefoim and Osnsumer Protection Act (Pub. Lui-203). Youar^reqmred tofiirriishthisiiiforiaation. The law pto • dos that no peison shall be eligible to begin receiving assistance from the Making Home Affordable J ogram, authorized under the Emeigsacy Economic Stabilization Act of 2008 (52 U.S.C-5201 et seq.), or an)' ofter moitgage assistance ptogKun autiiorized or funded by that Act, if eudi person, iji connection with a mortgage or real estate transaction, has bean com-icted, inthia the last 10 years, of any one of the foUowing: (A) felony larcany, theft, fraud, or forgery, (B) mon^ laundering or (C) tax evasion.
J certify under penalty of pajjuty that I har.-c not been convicted •within the last lO years of any one of che fbllo'wjng in connection vrfth a mortgage or real estate tiaosactioB:
(a) feloijy larceny, theft, fraud, or forgeiy, (fa) money laundering or (c) tax evasion.
I Understand that the servicer, the U.S. Department of the Treasury, or their respeotrve agents may investigate the accuracy of my statemsntB hy performing routine background checl , including automated searches of fedemi, state and county databases, to confirm that I have not been convicted of sudi crimes. I also understand that knoA'vdnsfy submitting false iafotmation may violate Federal la'w. This certification is eJJeetive on the date 1 signed this form or the date this RMA is received by your servicer.
BorroweX' and Co- Bor rower AeSaiowledgment and Agreement 1.1 certify that all of the information in this BjVlA i'l tnithful and the haiyshi|!(s) idstitified above has contributed to submission ofthis requsst for mortgage relief.
2.1 understand and acknowledge that the Servicer, the U.S. Department of theTruasury, the oivuer or guarantor of ruy raortgiage loan, or their respective agents may investigate tha accuracy of my statements, may require me to provida additional supporting dociimentation and that knowingly submitting fedse information may violate Federal and other applicable law.
3.1 authorize and give permissiOD to tiieServicfx. the U.S. Department of Treasury, and their respective sgents, to assemble and use a current consumer report on aH bomjwrs obligated on tlie loan to investigate each bonower's eligibility -ftir MHA and the atcuracy of my sttrtemcnts and any doctmientation that I pio'vide in connection 'nfitb ray request for a.'5sktaueo. I Understand that these consumer reports may include, without Hmitationi, a credit report, and be assembled and used ai any point during the applicatiou process to assess each borrower's eligibility theteaftei:.
4.1 understand tbat if I have lnijentlon. lly defeuhed on my existing mortgage, engaged in fraud or if It is deJermiued that any of my statements or any information contamed in the documentation that I provida are materially felseand that I was ineligible for assisiancs under IvIHA, the Ssrvicer, the U.S. Department of the lYsasury, or thiir raspecti-ve agents may termmatte my participation in MHA, Inehiding any right to fiiture benefits and Incfcatii es that otherwise vmild have been availsble xaidet the program, and ai£0 may seek other remedies available at law and in eqully, such es recouping any b«ne£ts or incen j 'es previously received.
Request for >!ortgaj»c AssJsance Foiro RJPD^xfjpe 50431 Page 8 of xo 7S3SlilU0S/Ja
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5.1 certify that any property for \vhich I am requesting assistance is a habitable residential property that is nOt subject tc a Condemnation notice.
6.1 certify that I am willing to provide all requested documenis and to respond to aE Servicar commuftications in a timely manner. I understand that time is of the essence.
7,1 understand that the Servicer I'rfll use 6e infijrnoaiion I provida to ev-aluate my el THHty for available relief options and foreclosure altemattves, but the Servics- is not oblif ated to offer me assistance based solely on the representations in this document or other documentation submitled in ccnnection T 'ith my requsyt
8.1 am willing to comnaittocreditcDunselingif itia dsteinolnsd that my financial hardship is related to e.vcassive debt
9- If I am eligible for asdstance under MHA, and 1 accept and agree to aJl terms of an MHA notice, plan or agreement, I also agree rfiat the terms of this Acknotvladgmenf and Agreement are incorporated into such nodce, plan or agrsementhy references as if set forth therein fiill. My fjist fasely paymgrrti if reguif ed, follo-iving mV Steryicer's detennination and notification of my pJljdbiliy or pretpialifientioii for MHA ijtti t,<Tii-n •wiH serve as my acceptance ot the terms set forth in the notice, plan, or agreement jwnt to me.
10.1 uadeistand that the Servicer ivill collect and record personal information, including, btzt not limited to, my name, address, tslephone ntimber, Social Security number, credit score, income, payment history, government monitoring information, and information about account balances and acti\'ity. I understend and constat to the disclosore of ray personal information and the terms of any MaJdsig Home A3ordlbla Agreement by Servicer to (a) the U.S. Departawnt of ths Treasary or its agentsi Co) Fannie Mae end Freddie Mac in connection with their responsibtllries under the Homaowner Affbrdabihty and fitabili%' Plan; (c) any investor, insurer, guarantor or Servicer that evvns, insures, guarantees or services my fiistlien or subordinate lian (if applicable) mortgage loan(s); (d) co.Tipanle.s and or mdividuals that perform Support services in cot junction with home preservation mortgage assistance efforts; (e) auditors, including but not limited to independent auditors, regulators and sgendesand (i) any HUD-cerii€ed housing counselor.
u. I consent to being contacted coneeminj} this request for mortgage assistance at any email address or cellular or mobile teJaphone number I have provided to the Serricer. This indudes text messages and tdephone calls to my cellular or mobile telephone.
BDITOWCT signatnre(s);
The undersigned certifies u ndar penalty of perji^iy fhat all statements in this document are true and correct.
idJL Borrotver signature Co-borrower signature
Sorrower Social Security number Co-borrfftver Social Security nimiber
Borrovrar date of birth Co-boirower date of birth
Date Date
Request for Mortgage Assistance Form RFDocti-pe 50431 Page 9 of 10 7S38iMUos/i£
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Contacts — if you hzre quttstians ifyou have questions about this document or your available options, please contaa your home preservatioa specialist.
Ifyou have questions aboutyour options rhatyour Servicer cannot answer or if >-ou need further counieling, call ths Homeoi'miM's HOPE™ Hotline at i-S88-995'HO?E (4673). A KofMne counselor will help you by answering questions about your available options and providing you with free HUD-ceitified counseling services in Engiish and Spanish.
Information for governinejit monitoring ptirposes Tbe fbllo-wing information is requested by the federal government in order to mom'tor coruplianee with federal statutes that prohibit discrimination in housing. You are notreQuired to fbmish this information, but are encooraged to do so,. The law providoa that a lender or Sarvicer may not dig« »'tTniTi.'?tft t4¥ht^ tm tho hAAis nf fh<c ^^..^ntinT., nr- m laT^ftt), .,. ,.. .•>iongo..T/».fi,Y'"''>'»- frti 'mi— &tniib the iatormation, please provide botJi ethnici >' and race. For race, j'ou may check more than one dssignatioa. Ifyou do not fiimis.S ethnicity, race, or sex, the lender or SeMier is required to cote the information on the basis of viBuai observation and surname if you have made this request for assistance in person. Jf you do not -wish to furnish the information, please r.hecJk the box below.
Borrower • 3 do not -wish to fumish this information. Co-boiTOwer P I do not •wish to fumish this information. Ethnicity; •jjiBpanic or latino
v0Not Hjspanic or Latino Ethnidly: • Hispanic or Latino (3 Not Hifipanie or LatinD
Rats; OAmeiioan Indian or jUaska Native ^S'Asian
• Black or African American • Natli'e HaT%'aiian or Other Pacific Islander • I'Vhite
Race: U American Indian or Alaska Native • Asian • Black or African American • Native Hawaiian or Other Pacific Islander • while
Sex: • Female »2^Iale Ssx: • Peroals
• Male
To be completed by interviewia-This application v,iai taken by;
O Fbce-to-face interviev,' • Mail • Telephone ' • Intemet
Interviewer's ID number Interviewer's name Oprintjar type)
Intervieviier's sigaatare Date
Intefviswer's phons;.nnmber (include area cow
Name / Address of inteiviewer's employer
Notice to Borrower ——= Se advised that you are sibling this document under pinal y of peijury. Any micGtatement of material fact made in the completion cf these dscnmsnts inclu^ng but not limited to misstatement tesitding your occupancy in your home, hardship circumstances, and/or income -.vill snhiect you to potential criminal invedjgatioc and prosecution lor the following crimes: perjuiy, false statements, mail fraud, and wire fraud. The information contained in these documenis is subject to examination and verification. Any potential naiarepreaentatlon •will be refcrrsd to tha appropriate ]itw enfbrrement authority for investigation and prosecution.
Ifyou are awaie of feaud, waste, abuse, mismanagement or nusTepresentations afiiliatfid with the Troubled Asset Relijf Program, please contact the SICTARP Hoilineby calling 1-S77-.STG-s.oog (toU-freeX 202-622-4559 or •vrwwi3igtarp.gov. Mafl can be sent to Hotline Office of the Special Inspector General ibr Troubled Asset Relief Program, iflOiLSt.NW, Washington, DC 20220.
Request for Mortgage Assistanct Form Page 10 of iO
Rn)o<'I>p« 30431 783S1MP 05/13
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Form
Depaitmsm of thoTycosuiy fcifemsJ Revenue Saivlw
Request for Transcript of Tax Retum Request may bs rejected H •Uiefomi Is Ineamplate esr illagitjte-
OMBNo.'IS4S- E72
Tip. Uea Fonn 4S0O-T to oidar a teiscripl or cJisr ratum intomiatlsn tree of cnarfla. Ssa the p.-odu« list ba'ow. can quItWy ftt^ia^ tmnscA'pto by usihg cur autorrBtad aelf-Jislp setviee teote. PISEBS visit us at IRS.gov and oTick on "Ortter a Transcript' or es)! 1-800-90 3846. It you nsM n wpy «f yeur rot'jni, ang Form 4S0&, Request far capy of Tax Retutn Thara la a fee te get a copy of your rerjm.
1a Name shown on tsx return. If a Joint relum, entertha nam* ehvm first,
2a If ajoint ralum, ontsrspousa's name shown on isx. retum.
lb Rjst soSal sflisiirTi-/ number on tax rstum, indwidyjl taxpayer WantSiMSoii number, oremployef Idantification number (sesinstnjct'anij)
2b Second soccal security number or individual taxpayer iefantHigation number if ieH*>it tax retum
0 Current nair e, eddr«s finojuding apt., room, o.r suite no.), city, state; and ZIP code (see instrjctlons)
4 Pravigis address stiovwi on-Ihe last return fliedrfdtffersnt from Ibe 3 (see instructions)''
5 If ttia transcript or iax information Is to fas maifsd to a third party (ouch asa mortgage company), enter tfie third party's name, address, ernd tel^hcne numfasr.
tSaulion. If tfie tsx Ifsn&inpi la bsng nsilEU to s IfiinI party, sure that you haws fiJferf in lines ? turoygh 3 bifom $lgnin^ Sign and o'ats the form ones you fiava Wlsd In rftesa /ihas. CdmpieVng thsss steps helps to praiscf ynurprhaty. Ortce tfce IR& i£sdoses your IRS twscrqpi to rfte third psiiy lisieti cn line S, tfielfiS has no ctmi/ol aver wtiat tfie thiril fi^tfy ebu v/iih ihe infomiation. Ifyou woti,V Ske io lT.lt the fftkdnariy's sathorit/ to o&c/cse your trsfisa/pt i.n^rmstlon, you can specHy this ImtaHsn In your wtHisn ^gr^smen; wiOt the If'.itd p f t f .
Transcrii: jaquested. Enter the lax •form number riere (1040,1085,1120, etc.) en(i c. ieck the apprepriata box befow. Entor only ons -tax form number per request >• 1040
Bdten Transcript, which ira^vdes most of lha line Hems of a lax rahim as ffiwi whfi « e iRS. A tax reuirn transcript does not raflect ohanoes rnade to t, e account after the retum is p-oo«ssaS. Tranwripts are only available for the foUowing rstuma: Form 1040 series, Form 10B6, Form 1120, Form 112QA, Form 11S0H. Form 1140L, am Form 1120S. R8tu,Ti iranscrlpts araavaSabIs Per the oingnt year and teturrvs processed during The prior 3 processing years. Most requsste v»i!l bs processed within 10 buaiiess Oays
Acccunt Transcript, whish ecntaina informetion on the financial st tu? ef fhe account, such as payments made on tng acoount, penally assas ments, and adjustments msds by you or the IRS after tho return filed, fletum hibrmaticn is limited to items suoh as tan liabilily and estimated tax payments, Account uansciijjlt ar available for meet reUms. Med requests wB ba preeessed witriin 30 calendar days . O
Record of Aceoiim, whiaH provides the most detailed ijfircniiotion as it Is a combination of ttie Return Ttenscipt and the Account frariSciiBt Available for currant year and 3 priortax years. Most raouests will be processed within 30 calendar days •
8
Verifioaior tA Nonfilina, which is proof fro.n *io IRS that you «6d not iile a frturn ibr the year. Currerrt year reniuesls are only avallalsiB sttar June ISth. The.'e ars rna avaiiabiiity restrictions on prior ysar requesis. Most rs<iueet3 bo prosseseed within 10 buafrtoss djv» • • Votm W-2, Form 1099 series, Form losa series, or ?orm 3498 series transcriDt.The IRS csn pfoviaa a transcript that Incluaes data from these infomation retjma, State or local infonna1lo.i B riot insluded with ths Form W-2 Informafcca The IRS may bs able ta provide tft's
•
transcript inforanalien tor up to 10 yeeis. Information tar the current year is gsnsraJly not available until the year after E fJeo with tfie IHS. For fXsfT ite, VV-2 infomaliort for 2010. filsd In 2011, will not ba a'jeilabic irom the IRS unt3 2Cn2. If you need W-2 Information for retirement purp(i4s^youstiouWcomartth8SoeialS«eurityAdm!ni3trattonat1-a(X>-772-1213.iVf03irK)uesi3v^^ . , •
Csufion., Ifyou need a co,>?y of Fonv W-2 sr Form lOsg, yov sftowW flist cxntact ths psyer. To get a copy of tSs Fern) W-z sr Form 1099 Wad wtih ynur return, you must Perm 4S0S end rseiuesi a copy olywrreivm, wlmh inaijctes all att$ohm0nts.
3 Year etr period requested. Enter the ending dat« of the year cr period, using the mrn/dd/Vyyy format If you are requestSig mora than four yaais or porlodo, you must attach anothor non« 4506-T. For requssts relating to quarterly tax returns, such as Form S41. yoj musj sntsi-each quarter Or ten period separately. 2010 2011
OhecX this box If you have notified the IRS or the IRS has noiin«d you that one of tha years fcr which you are requoeling a trcnoor^ Invoftied identay ttiefton your federal tax return . Q
Caulien. Pa not tign thi» fami urJess afl appllcanla lines have besn Bompigted.
Signsturo of iaxpayerfs}. I deotere that I am either the taxpayer v/hsse lairie is shown on line la or 2a, or a person aulftoriied to obtain lha tax infatmation requested If Ihs requsst spplios io a joint return, either husband orvvifs must sign. If signed by 0 ecrpcrate offreer, partnar, guardian, isx manera partner, executor, reeslver, sdmiristrator, trustee, cr party other than Ijio taxpayer, I oeriify that) hava the authority to execute Fonn 43D13-T ori behalf of tne taxpayer. Nnto. Far transtJi^ bemgsent to a third psny, this foim muitiUrsceivad within ISO days cf thsiaignaliirc dats.
Sign Here
^^^Uo IJ. Phono number of ta;<payer on fine
^^^Uo IJ. 1 / / / / / / S $ittii>xn (ses instrjdioni) a«(4
nttt (iflaw la eijove ts a corpcrsHo,"!, partr.oship. estate, or taisp
Dsts ForPrtVBCyAetand Paperwortt Reduction.Act Notice,seepage2. C«. No, 37ee7N rorm4508-T p»v, 1-2012)
DANILO V. SESE, INC.
PROFIT AND LOSS STATEMENT
OCTOBER 1, 2012 - DECEMBER 31, 2012
Gross Income: October
November
December
Total
$ 7,090
$ 3,467
$ 4,865
$15,422
Expenses: October
November
December
Total
$ 2,895
$ 528
$ L106
$ 4,529
Net Income: $ 10,893
Form
Department of the Treasury — Inlernal Revenue Service (99)
1040 U.S. Individual Income Tax Retum 2on 0MB No. 1545-0074. IRS Use Only — Do not write or staple in this space.
For tlie year Jan 1 - Dec 31, 2011, or other tax year beginning ,2011, ending ,20 Your first name
DANILO V.
MI Last name
SESE If a joint retum, spcuse's first name Ml Last name
Home address (number and street;. If you have a P.O. box, see instructions.
8781 LONGMORE WAY Apartment no.
City, town or post office. If you have a foreign address, also complete spaces belo'.v (see instructions).
FAIR OAKS, CA 95628-6347
stale ZIP code
Fcreijn country name Foreign province/couny Foreign postal code
See separate instructions. Your social security number
Spouse's social security number
i fviake sure the SSN(s) above * and on line 6c are correct.
Presidential Election Campaign eheck-hsre il yuu, ui juui i i j ousnr f i l tn j " jointly, want S3 to go lo tnis fund? CnecKing a l50X below will not change your tax or .-efund. P Y O U
ge yo
£1 Spouse
Filing Status
Check only one box.
Single fdarfied filing iointly (even if only one had income) Married filing separately. Enter spouse's SSN above & full name here . *-
• HeatJ of household (with qualifying person). (See instructions.) If the qualifying person is a child but not your dependent, enter this child's
name here
Exemptions 6a X
5 I i Qualifying widow(er) wiih dependent child
Yourself. If someone can claim you as a dependent, do not check box 6a.
If more than four dependents, see instructions and check here..
c Dependents:
(1) Firsi name Last name
(2) Dependent's social security
number
(3) Dependent's relationship
to you
(4) • if child under
age 17 qualitying tor child.lax cr [see mslrs)
n • n n n
d Total number of exemptions claimed above.
Boxes checked on Ei) and 6b . . No. of children
- on 6c who;
• lived , with you • did not
^ live with you ' duo to divorce _ or separation " (sofl Instm^ . . .
- Dependents on 6c nol
. entered above .
Add numbers ' on lines
Income
Attach For7ii(s) W-2 here. Also attach Forms W-2G and1099-R if tax was withheld.
Ifyou did not get a W-2, see instructions.
Enclose, but do not attach, any payment Also, please use Form 1040-V.
8b|
7 Wages, salaries, tips, etc. Attach Form(s) W-2 . . . 8a Taxable interest. Attach Schedule 8 if required...
b Tax-exempt interest. Do not include on line 8a... 9 a Ordinary dividends. Attach Schedule B if required
b Qualified dividends 10 Taxable refunds, credits, or offsets of state and local income taxes
Alimony received Business income or (loss). Attach Schedule C or C-EZ,
9b
Capital gain or (loss). Att Sch D if reqd. If not reqd, ck here *- [ J Other gains or (losses). Attach Form 4797.
n 12 13
15a IRA distributions 15a b Taxable amount. 16a Pensions and annuities | 16a| b Taxable amount. 17 Rental real estate, royalties, partnerships, S corporations, trusts, etc. Attach Schedule E . 18 Farm income or (loss). Attach Schedule F. 19 Unemployment compe.nsation 20a Social security benefits | 20a| | b Taxable amount 21 Other income StAtSttLeni _3
J 2 Combine the amounts in the far right column for lines 7 through 21. This is your total income ..
Adjusted Gross Income
23 Educator expenses. 24 Certain business expenses of reseruists, performing artists, and fee-basis
government officials. Attach Form 2103 or 2106-EZ 25 Health savings account deduction. Attach Form 8889 26 Moving expenses. Attach Form 3903 27 Deductible part of self-employment tax. Attach Schedule SE 28 Self-employed SEP, SIMPLE, and qualified plans. 29 Self-employed health insurance deduction 30 Penalty on early withdrawal of savings 31 a Alimony paid b Recipient's SSN *• ., 32 IRA deduction 33 Student loan interest deduction 34 35 36
Tuition and fees. Attach Form 8917 Domestic production activities deduction. Attach Form 890i . Add lines 23 through 35.
23
24 25 26 27 28 29 30 31a 32 33 34 35
37 Subtract line 36 from line 22. This is your adjusted gross income
Sa
9a
10
n 12 13 14 15b 16b 17 18 19 20 b 21 22
36 37
-3 ,000 .
59,528 .
2,000 . 58 ,528,
58 ,528 . BAA ForDisclosure, Privacy Act, and Paperwork Reduction A d Notice, see separate instructions. Fowoiia. i i w / n Form 1040 (2011)
Form 1040 (2011) DANILO V. SESE Page 2
Tax and Credits
38 Amount from line 37 (adjusted gross income) 39a Check J " Q You were born before January 2, 1947, _
j _ L J Spouse was born before January 2, 1947, Blind. Blind.
Tolal boxes I checked ^ 39a
Standard Deduction f o r -• People who check any box on line 39a or 39b or who can be claimed as a dependent, see instructions.
Married filing separately, $5,800 Married filing jointly or Qualifying widow(er), $11,600 Head of household, $8,500
I b If your spouse itemizes on a separate return or you were a dual-status alien, check here *" 39b L J ^ _40 Itemized deductions (from Schedule A) or your standard deduction (see instructions). 41 Subtract line 40 from line 38 42 Exemptions. Multiply $3,700 by the number on line 6d 43 Taxable income. Subtract line 42 from line 41.
If line 42 is more than line 41, enter -0- ^ 44 Tax (see instrs). Check if any from: a _ Form(s) 8814
b [ jFo rm4972 . . . . 45 Alternative minimum tax (see instructions). Attach Form 6251...
[ J962 election
47 48 49
-4C Addljiitib44dinJ45 ^ 47 48 49 50 51 52 53 54 55
Foreign tax credit. Attach Form 1115 if required Credit for child and dependent care expenses. Attach Form 2441 Education credits from Form 8853, line 23 Retirement savings contributions credit. Attach Form 8880 . Child tax credit (see Instructions) Residential energy credits. Attach Form 5695
Other crs from Form: a [ J 3200 b Q 8S01 c [ J
39
40 41 42
43
44 45 46
50 51 52 53
Add lines 47 through 53. These are your total credits Subtract line 54 from line 45. If line 54 is more (han line 46, enter -0-.
54 55
5 8 , 5 2 8 .
57 ,649 . 879.
3,700.
Other T a x e s
56 Self-employment tax. Attach Schedule S£ •. 57 Unreported social security and Medicare tax from Form: a [J4137 b L J 8919 58 Additional tax on IRAs, other qualified retiremsnt plans, etc. Attach Form 5329 if required. 59 a Household employment taxes from Schedule H
b First-time homebuyer credit repayment. Attach Form 5405 if required.. 60 Other taxes. Enter code(s) from instructions 61 Add lines 55-60. This is your total tax
56 57 58 59 a 59 b 60
Payments If you hav£ qualif/ing cfiild, attach Schedule EIC.
62 Federal income tax v/ithheld from Forms W-2 and 1099 "L_ 63 2011 estimated tax payments and amount applied from 2010 return...
64a Earned income credit (EIC) r b Nontaxable combat pay election ^ | 64b| 65 66 67 68 69 70 71 72
Additional child tax credit. Attach Form 8812 American opportunity credit from Form 8853, line 14.
First-time homebuyer credit from Form 5405, line 10 Amount paid with request for extension to file Excess social security and tier 1 RRTA tax withheld Credit for federal tax on fuels. Attach Form 4136
Credits from Form: a [J2439 h 0 8839 c [JsSOl d [J8885.
Add Ins 62, 63,64a, & 65-71. These ars your total pmts.
62 63 64a
65 66 67 68 69 70_ 71
PI 72
Refund
Direct deposit? See instructions.
73 If line 72 is more than line 61, subtract line 61 from line 72. This is the amount you overpaid. 73
•• b Routing number - c Type; D Checkinq *• d Account number 1
74 a
75 Amount of line 73 you want applied to your 2Q12 estimated tax . 75 A m o u n t 76 Amount you owe. Subtract line 72 from line 61. For details on how to pay see instructions. Y o u Owe 77 Estimated tax penalty (see instructions) | 77 |
76
Third Party Designee
Do you want to allow another person to discuss this return tvith the IRS (see instructions)?. [x] Yes. Complete below.
LARRY WEISS Designee's name no?" - 8 1 8 - 8 7 6 - 8 3 8 0
Personal tdfintification number (PIN)
• NO
54321 Sign Here Joint return? See instructions. Keep a copy for your records.
Under penai'ties of perjury, I declare that i have examined this return and accompanying schedules and statements, and to the best of my knowledge and Ijeliel. Ihey arc true, correci, and complete. Declaration of preparer (other than taxpayer) is based on all information ol which preparer has any knowledge.
Yous^nsiure
fm Spouse's s/gnaEure. If a joint return, both must sign.
Date
Date
Your occupation
INSURANCE AGENT Spouse's occupation
Oaytmo phone nuinber
916-961-8781 If Ihe ll^S seot you an Idenlily Protection PIN,' erAcr il ttffs (see iwt)
Paid Preparer 's U s e Only
Print/Type preparer's name
LARRY WEISS
Prepgrer's signature Date
Firm's nama - LARRY WEISS CPA
Check I I if self-emplcyed
PTIN
P00399150
Firms address- 2 3 9 0 1 CALABASAS RD STE 2062 CALABASAS, CA 91302-3393
Firm's EIN >• 95-4721033 Phoneno. ( 8 1 8 ) 8 7 6 - 8 3 8 0
Form 1040 (2011) F0IA0112L nro7/ i i
Exhibit 4
Pago 1 of 2
WELLS FARGO HOME MORTGAGE RETURN MAIL OPERATIONS PO BOX 10368 DES MOINES IA 50306-0368
02/14/13
,„.,|,l..|l..||,ll|l|,.,|„|,l„„t..,„.l,..||,|l.l,l|,|.l.|Ml
1AT 00918/004875/001990 0023 2 AGPYTXHP269 512
DANILO V SESE 8781 LONGMORE WAY
TATFrDAKSrCA"~g5B28^3?7
Account Information Online: Telephone: Correspondence:
Hours of Operations:
toan-Number: Property Address:
wellsfargo.com 1-877-371-9959 PO 80X659558 San Antonio, TX 78265-9558 Mon-Fri, 8 AM-10 PM Sat. 8 AM - 5 PM CT
-0047393731 8781 Longmore Way Fair Oaks CA 95628
Subject: Acknowledging receipt of your documentation supporting your request for mortgage assistance
Dear Danilo V Sese:
I'm writing to let you know I've received the documentation you sent us supporting your request for mortgage assistance. And thank you for responding to our request.
What happens next We will review the documentation you've submitted. Please keep in mind, there may be additional documents required before we can determine if you're eligible for mortgage assistance. To find out what additional documents we may need from you:
o Refer to the initial package we sent you listing all required documentation, as well as any subsequent correspondence requesting additional documentation,
o Go to wellsfargo.com/modification to see what documents we may still need from. you. (Please note: For certain loans, online assistance may not be available, if you receive an error message, please call us at 1-800-678-7986.)
What you need to know about forecfosure for the loan noted above We'll continue to work with you to help you avoid a foreclosure sale. If your loan has not previously been referred to foreclosure and you have submitted all of the required documentation needed to evaluate for an alternative, this loan will not be referred to foreclosure while the application is evaluated. If your loan has been referred to foreclosure and you have submitted all required documentation, we will not conduct a foreclosure sale on this loan while your documents are being reviewed and if allowed by state law and/or investor guidelines.
As part of the foreclosure process, you may receive notices from a third-party attorney delivered by mail or see steps being taken to proceed with a foreclosure sale of your home.
I'm here for you If you have any questions or need further assistance, please call the number listed below. A Home Preservation Specialist is available to assist you Monday - Friday 8 AM to 10 PM, and Saturday, 8 AM
1 WrM307C
HP269 SU 512004'/393731HP269
Page 2 of 2
Account Information Loan Number: 0047393731
Property Address: 8781 Longmore Way . Fair Oaks CA 95628
to 5 PM, Central Time at 1-877-371-9959.
Sincerely,
Anthony Hacker Home Preservation Specialist Wells Fargo Home Mortgage Ph: 1 -877-371 -9960 ext. 4472 Fax: 1-800-313-0892
Active Servicemembers The Servicemembers Civil Relief Act (SCRA) may offer protection or relief to members of the military who have been called to active duty. If either you have been called to active duty, or you are the spouse or financial dependant of a person who has been called to active duty, and you haven't yet made us aware of your status, please contact our Military Customer Sen/ice Center at 1-866-936-SCRA (1-866-936-7272) or fax your Active Duty Orders to 1-377-658-4585, attention Special Loans./SCRA.
Get free counseling to help manage expenses and avoid foreclosure . Reach out to a local HUD-approved, non-profit housing counseling agency if you're struggling to keep up with monthly expenses, or want help to avoid foreclosure. At no cost, a counselor wil! work closely with you, providing the information and assistance you need. To find an agency near you, go to www.hud.qov/offices/hsa/sfh/hcc/fc. Or call 1-800-569'4287. You can also call the HOPE Hotline at 1-888-995-HOPE.
Be sure you avoid anyone who asks for a fee for counseling or a loan modification, or asks you to sign over the deed to your home, or to make your mortgage payments to anyone other than Wells Fargo Home Mortgage.
This communication is an attempt to collect a debt and any information obtained v;ill be used for that purpose. However, if you have received a discharge of this debt in bankruptcy or are currently in a bankruptcy case, this notice is not intended as an attempt to collect a debt, and we have a security interest in the property and will only exercise our rights as against the property.
With respect to those loans located in the State of California, the state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work If they know or have reason to know that you may not receive personal calls at work. For the most pari, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or mw.ftc.gov.
Wells Fargo Home Mortgage Is a division of Wells Fargo Bank, N.A. © 2013 Wells Fargo Bank, N.A. All rights reserved. Equal Housing Lender. NMLSR ID399801
5120047.19;V/;i1HP2B9
Exhibit 5
FAX COVER SHEET
FAIR OAKS. CALIFORNIA FAX: (916) 961-0321
COMPANY: WAafOViA . >/0A/?/^ m.^fmiminu m?T
FROM: DANNY V. SESE (916)718-0135 Cellphone
DATE:
RE: D/\Mii.o \/. r- rs :
TOTAL # OF PAGES INCLUDING COVER SHEET
Mafciiig Home Afifordable Program Request for Mortgage Assistance (RMA) Kcqnest For Mortgage Asskance CK5i< ' • ' • •
Requesting mortgage assistance far mortgas* loannuxnben ( 3 Q ^ | 1 - ^ 3 ' ? 3 ? 3 I
MAKING'HOME AFFORDABLEi v cm'^SM^^l^^O^'m^mSl^ •''':•
l/ Vf!•w^a ttlo•. iZTKeep the property • Sell the property
_T(ie.p«)perfy-is my/our;—-VSJ^rimaiy-residence El-Set»nd-honie •-InvBstment-property-
The property is! vCfo^vner occupied • Renter occupied • Vacant
Borrower informaticni Borrower iCo-bonfl-tvcr Borrower's name Oo-borrovirar's nams
Social Security nuiaber Dateofbirth Social Sscuriry nurnbei Data of birth
Home phone number
(96 -^If'OlS^' Home pbone nimiiBr
( ) Osll phone number Cdl pJione namber
( ) Work phone number
( )
Work phone number
c ) Hmall address
VM\Los>e%eB Aoi. com Email addrsss
Mailing address Mailiiis address (i/iiiffersnt than bcrrou'er's)
COTjjiielor's phone number: ( ) .
Have you contacted a creiSt-cowitscIms dsency for help? QYes ^H^No
If yss, complete counselor contact infijijijation below.
Counselor's name:
Counselor's email: „
Isanyborrowftpnser<'Scemea%b«r? •'Ves V^^Ko
If yss, hsve yOil recently been deployed avfay from yotir principal resjdoncftor recently received a permanent change ofstatioa Order?
• Yes DNo
Haveyouifiledforbajikruptcy? DYes K^iio
Ifyes: • Chapter 7 • Chaptern • Chapter 12 •Chapter 13
Filing data:. Has your bankruptcy beer discharged? • Yes • No
Kequoit for MoTtgBga Asfistsmce Form Pase 1 of10
jBJFI)o< iype 50431
BARCODE
Sankruptcy case number:
Please T1019 that ifyou have or vftH receh-e a dlsohaise from a baokrgpwy case, a nd the mortgage was not reaffirmed in the bankraptcy case, we I'/ffl OJily exercise our rights against theproj>«rty and are not attempting any act to collsst the dischai eil debt from you perionally. .'VJditionally, your decision to discuss workout options with us is strictly TOlontary. You are not obligated to puisne any 'ivOrkout options discussed vith i:s. At your request, we win inimsdiately terminate any such disvussioiis should yoa ao longer wbh to pursue these options,
lloiv nwwy single family properties other than your ppincipal residence do you and/or iwy co-borrOwer(s) own indi -lduAUy, -joinllyj-or'withiithers?
Has the mortgage on your principa] residence ever had a Home Affojthble Modification Program (HAiVIP) trial period plan or pemuncnt modification?
\ 0 Y ^ • No
Has the •mortgage on any other property that you or any co-borrower O'im had a permottent HAMI> modiflcation?
• Yes tSl^o k/k
Ifyes, ho'w mAny?
Are you or any co-b<HTa*yer currently in or beiog considered for a HASIP trial pctaodplan on a propeity other than your principal residence?
• Yes \0yio
Prmeit>al residence i n f o r m a t i o n . _ „ _ _ „ ™ , ^ ,
Note: I f you are requestiing mortgase ossistazice, you must complete ti»is Section evexi ifyou ai-e not seekins mortgage assistance on your principal residence.
Principal residence loan number Principal lesidence servicer name
property t^tidiessCf same as mailmg address, vjrite "same")
Number of people who livns in the home
/
QYes ^iHo Is this property listed fbr sale?
If yes, 'rthat was properly listing date?
Have you received an offer on the proper^? QYes IETNO
Date of offer: .Asaount cf ofier: S
AgSnt/.AgeBcy name:
Por salebvcwner?
Oosins elite:
Ageat/Agenoy phone number ( )_
• Yes DNo
•Who pays the reJd estate tax bill on yoar property? Dldo TsZTSsrvioer does
Request for Mortgage Assistance Farm KJb'Docncype $0431 78381MU 05/12
BARCODE
Are the taxes current?
Monthly condominium or hoinecnyners associsrion fee?
Are fees paid current?
Paid to (Name and Address)
vejYes
• Yes
• Yes GNoiL; / / !
• No
? _ Q .
Who pays the homeownerg Ins'arance policv for -wnr nroperti'?
• I do vS'Servicei does • Paid ly condominium or homeownss association (MOA)
"TilEi'poJicycnrteiit? vkdYes LJNO
If paid by you cr your coadominluM or HOA, name of insurance company;.
Insurance company phone oirniber: ( ) _ _ _ _ _ _ _ _
Annual homeomiers insniaajo: S
If there arc additional liens/mortgages OV judgments on this property, name the person(s), eaii3p.-my op firra and phone numberfa). { ^ ^ j ^ g
Lien holdar'B name/SeTvicer;_
Loan number;
Phone number: (
Balance: S
).
Lien holder's name/'Scrvicer:,
Loan number: _ _ _ _ _ _ _
Phon* number: (
Balance; S
Complete •this sectiota GShY ifyou ai-e requesting mortgage assismnce inith a properly that is not yow prindpal residence.
Principal raqideneeserrfcername: ^
Pxindpal residsnse phons numhen ( )
Is the mcrtsa e on your prindpal residence paid? • Yes • No
If no, number of months your payment is pist due (if known):
HardsMp AfRcbrvrt
I am rsquesttng review nnder the Malcing Home ..affordable Program, I arn ha'vinj difficulty mailing my monthly payment because of fiojancia' difficulties created by (check all that apply):
t ^ M y household income has been reduced. For e-xample: reduced pay or hours, decline in biainesa earnings, death, disability or divorce of a borrower or co-borrov er.
iZfMy motithly debt payments are excessive and I am ovarextended with my crerlitors. Debt inelndes credit cards, home equity or other dsbt.
V?3 My expenses haue Incrsajed. For example: monthly mortgage payment reset, high medical or health care costs, uninsured lossao, increased utilities or property taxes.
^pUJiy cash reserv-es, induding all liqvid assets, are insufficient to maintain my currant mortgage payment and co ver basic lirag expens<S At the same time.
• I am unemployed and (a) I am re«iving/-Ai]l receive unemployment benefits or (b) my nnempJoyment beuefits ended less than 6 months ago.
TJi ittSanErMortgqgeAssistance Form Pags 3 of IO
SFDocriypes043i 7838iSJU 05/12
BARCODE
V0 other
Eifplftaation (OSntiaae on basic of page 3 if necessary):
7 urns ai CMir, ncGdGk^r ou kidmyiBm kMf
Request for Mortgage A-isistants Form SFDocTVpo 50431 ]Fa£e4ofiO 7S861S1UOS/J3
BARCODE
Income/eaq^etisgs for household
Important nots: All iiieome m'ustbe documented.
Combined income and acpanse of horroiver 9UiJ co-borrower You are not required to discloss chDd support, alimony or separation maintenance income unless you choose to have it considered by your servicer.
Monthly gross waxas S Firpt inortgQge.pnyment 5 3 , fS^ .CbeckLn;.account(s) /-/do-Overtime 5 0 Second mortgage payment/
other liens $ 0 Q-lGCKliiC. t%t ' I
_ norrcuver start aats Oi [Employment (MMDDYYYV)
y HOmeovmers mfurance' s 0 - SaviBga/money-market aecountfs)
s 0 Ce-borrower start date of erapbytaent (MMSOr/YY) — Properly tax&ja ' a Borrower other employjnent start date (MMDDYYYY) (If boriuwer has s second fob)
Credit caids/installmsnt Ioan(s) (total Tniniminri patfment ver mondi)
Certificate(*) of deposit (CDs) ' 0
Co-borro'wer other empbymem start data (M-MODYYVY)
Alimony/s«paration mnintenance/child support pavments ' 0 9
Cliild stipport/alimony/sepa ration maintitiance ^ 0
Ket rental expenses/ property maintenance 3xnense3 ^ 0 $
Non-taxabla Sodal Secu rtty/Soeial Securi ' Disability Insurance ^ 0
KOraeo wnetE assodation/ condominium fees ^ 0 Stocks,'fcoad(s)
Taxable Social Security benefits ? 0 Child cnic e:<penses s 0 $ Other nnonihly inoome from pensions, annuities or retirement olans ' 0
Car payments, including car lease payments ^ 0
Other cash on hand ' 0 Tips, comnii ions and bonus income 5/0,000
Car insurance/gas/ maintenance « oo Other teal estate (fiscmated
vdue') 5 0 Self-employment income ' 0 ,
Health insurance/medical expenses Other $
Unemploj'ment incoine ' 0 Life insurancepremiuma (notivitbheld from pay) s
Swrt date of unemplojinent (MMDDYYYY) — Groceries s 300 SJPWS rent recsiveds Water/se-.ver/ur;]ities
1 Soarder income (nternat./cabli/Mtellite/cell shone/home phone * ;iiro
Do not include retirement plans when •alculating assets (402GO, pension fimds, innuities, IRAs, Keogh plans, etc.)
i 'ood stsmps/Wslfiue S i'srsonalloans/tiiitiaE. ; 0 ; Do not include retirement plans when •alculating assets (402GO, pension fimds, innuities, IRAs, Keogh plans, etc.) c
r i\
lt,:«r (iTiueirtTTiflnr incomo, 0y6lti$s, ir.tersst, cduUleridSf C tc.)
5 ( Charitable cwitribiitiooa i c
' 0
Do not include retirement plans when •alculating assets (402GO, pension fimds, innuities, IRAs, Keogh plans, etc.)
J V ilortgaje paj'ments for other ropertles i 0
Do not include retirement plans when •alculating assets (402GO, pension fimds, innuities, IRAs, Keogh plans, etc.)
c hher 5 6 J 'otal (gross i««oSxi*) ^ /OOOO 'otal debfs/s:<peiascs ^ 6 5 0 ^ 1 •otal assets ^/:^.!0^
•L Only includa your homecnvnere insurance payment ifyou pay this amount yourself. 2. Only include your property ta. payments if jttu pay them your- elf. 3. Include rental income received from all properties you own EXCEPT a, property fbr n'hich you are seskins mortgage assistance m the following section. 4. Include morisage payments on all properties you own EXCEPTyonr principal residence and the property fijr which you are seeking mor'vgage asiistance in the folio-wing section.
Request for Mortgage Assistance Form Page 5 of AO
EFDoclype 50431 7a.3SlMU 0S/a2
BARCODE
Inforaaatiiin about yooT other properties
other proijertics o-troed - ^J 0 ^ You must provide information about all properties that you or the co-borrower o%vn, other than your prindpal rcsideaoe and the propsrh- tltat you are requesting arsiatance for. ($36 below.) Use additional sheets if necessary.
Other Property #1
Property address: _ _ _ ^ _ _ _ _ _
Loan number:. Servicer nama:
Jfert^gfiiaJaajsiLS. -CuTFeDt-va]ne;-Si Property is: D Vacant • Second or seasonal home • Rented
Gross naontfaly rent: $ Monthly mortgage pajment*; $_
Other Property iia
Prop«rty addre£s;__
Loan number: Servicer irime:
Mortgage balance; $_ Qlrrent value: S_
Property is; • Vacant •Second or seasonal home • Rented
Gross monthly rent: 5 Monthly mo.tsage payment*: S_
Other Property #3
l?roperiyaddre4S;_
Loan number: Servic«r name:.
Mortgage balance: ?_ Current vahie; $_
Property is; O Vacant • Second Or seasonal home Qi^ented
Gross monthly rent S Monthly mcrtgage payment': $_
* The amount of the months pavment made to your Servicer - induding, if applicable, monthly prindpal, interest, real property taxes and insurance premiums.
Other propertj- for which assistance is requested
Complete this S8Ctio.T ONLY if you are requesting ."aortsage assistance with a property that is not your prindpal residence.
1 am requesting mortsase assirtance vrjth a rental property. • Yes O No
t am requesting moit^ge assistance with a second or seasonal home. • yes • No
Ifyes to either, I want to: • Keep the property • SeEthe proparty
Propeny address: ,.
Loan number:
Request-JbrMoirteage . ssistnucc Form Page 6 of10
KFDocXype 50431 TSS^IMU 05/ia
BARCODE
Do yoti have a second mortgags on ihs property? DYes vS^o
If yiS, Servicer name: . ijjan auraber:
Do you havscoudomijiiam or bomeovmer assodation (SOA) fees? QYes \Si?D
Ifyes, monthb'fee: s ^ „____
Are HOA fees paid current? QYes QNO
Name and aedresa that fees are paid to;_
Does your mortgage payment indude taxes and insm-aace? v^fVes G N O
-If no, are tfce taxes and insurance paid current? • T i s •'So
If insurance is paid by yon or HOA, came of insuraiica company;
Insurance company phone n'jmber: C ), ^ _ _ _ _ _ _
Annual homsownsrs in«rance; $ Ann'ttal property vuss: 5_
If requesting assistance with a rental property, property is currently;
• Vacant and svaikblefbr rent • Occupied without rent by your legal dependent, parent or grandparent as their prindpal residence
n Occupied by a tenant as theii' principal residence • Other ^ ^ ^ ^
If rental property is occupied by a tenant:
Term of lease /Occupancy: - / /. MM/ DD / YYYY
J. L MM / DD / YYYY
Gross monthly rent: ?_
If rental property is laoat, describe effurts to fjut property:,
If applicable, describe relationship of and duration of non-r«nt paj'ing occupant of rental property:_
Is the property for sale? • Yes
If yei, listing agent's name;
List date:
• No
Have you receh'sd a purchaise offer? Q Y«s
Amount of ofifer; $
• No
Phone number: (_
Closing date;.
Rsntol Property Certification
You must complete this certification ifyou are requesting a mortgage modification vvith rsspect to a rentai property.
• By checldng this box and iniiiailne below, 1 am requesting a mortgage modification under MIIA with respect to the rental propetsy as previously described ami I hereby certify under penalty of pflrju^y that each of the following statements is true and correct v -ith respect to that propertj':
1-1 intend to rent the property to o tenant or tenants for at least five years foUowng the effective date of mj- mortgage modification. I understand lhat ttes^rviwr, the U.S. Dejartmcmt of the Treasury, or their cespecti\'B agents may ask mo to provide evidence of my Intention
Kcijng«t lor Mortgage Asjirtanee Fomi FiSSit7oflo
RFDoc'jype 50431 783SllaV0.l/W
BARCODE
J
to rrat the property during such time. 1 fiirther understand that such evidence must «liow that I used reasonable efibrts to rent the nrooertv tea tenant or tenanb oa a year-round basis, if Che property is or becomes cant dnriag such five-year period. Note: The tem™onabte
3 S ' "SsS'nS ^ ^ate or other professional to a « S in renting tlie prop«ny, in eMer case, at or belo «'
^ not intend to use the property asa secondaty reddenc* for atleast fiveyears Mo^flngtheeffettive date of my mortgage modification. I understand that i f f dVus the property L a secondary r e s i l n^dSsud r m-year penod my use ofthe property may be considered to be inconsistent with the certificafcis I have n,adeherei^^"l^^te^
orArt?.;:Snra^ 3.1 do not oivn more than five (5) dogle-femify homes (i.e., one-to-fbur unit properties) (exdudve of nrj' principal rtsidence).
" ^ ^ i f iL-T^ dependent, parenr or grandparent to occwpy i t as their principal residence with no tent eh.^t»2d or ciSccted none ofwhich -KiL be considered to be mcoBsiettat with the «:rtifieations made rgtaorconoCTea,
This certification (s effective on the date I signed this form or the date the RMA is received byyoux Servicer.
Initials; Borrower: Co-borrbwer;
Dodd-Frank (Certification pe folloiAinl Information is requested by the federal govemment in accordance Mth the Dodd-Frank Wall S'jest Reform and Consume Protection Act (Pub, Lui-203). You are required i i . furnish this infonaatjon. Tha law provides that no person shall be eh'g-ible to bepin rcociviBg assistance from the Making Home Affordable Program, authorized under the Emergsncy Economic Stabilization Act of 2008 (32 S C 5201 et seq.), or any other mortgage assistance ptofitam authori2ed or funded by that Act, if such person, in connection with a mortsase or r=ai ' estate irariaaoion, has been com-icted, within the last 10 ysars, of any one ofthe following: (A) felony larcany. theft, fraitd, or forgsiy, ffl) monev laundering or (C) tax evasion. Q',^f,,,^jimj 1,
I certify under pensJty Of perjury t'aat I fan-.-e not been convicted within tbe last lO years of anyone ofthe &]]o-.vJijg in connection with a morteara or real estate transaction: ' a .uvi^oj,^
(a) felony larceny, theft, fraud, or fargety, (b) money launderiog or (c) tax evasion.
I Understand that the servicia, the U.S. Department of the Treasury, or their respeotivs agents may investigate the accuracy of my statements by performing routine bickground dieebj, Indttding automated soarchta of fedetal. state and county databases, to confirm that I have not been convicted of Buti crimes. I also nndersund that knowingly submitting felse infbrtnation may •violate Federal law. Tnis cenlficatiDn is effective on the oate 1 signed this form or the data tliis RMA is received by your servicer.
Borroiver and Co- Borrower Aclmowledgment and Agreament 1.1 certify that all of the in&rwiaticm in this SJIA i<! tnithful m i ths hardshipft) idjntifiBd above has contributed to submission ofthis reousst for mortgage relief. ^
2.1 nndentand and acknowledge that tha Servicer, the U.S. Deparbnent of theTrcasitq', the owner or guarantor of luy mortgage loan c their respective agents may investigate tha aceuraty of my statements, may require me toprovids additional sapportins dooumeBffition and that knowingly submuting feJse information may vioUts Federal and other applicable law.
3.1 authorize and give permission to the Servicer, the U.S. Department of Treasury, and their resf«ciive agents, to assemble and use a currenl consumer repott on aH borrowtt Obligated oa tlie loan lo investigate each bonower's eligibility for MHA and fhe accuracy of my statements and any documentation that I provide in conjiection with my request for assistattoo. I understand that these oonsuiaer reports'may include, wthont limitation, a credit report, and be assembled and used ai any point during the application process to assess each borrtjwer's eKgibiHy thereafter.
4.1 unde-rstand tba t if I have latentiocally defeulted on my existing mortgage, engaged in fraud or if it is determined that any of my statements or any information contamed in the documentation that I provida are materially fiilse and that 1 was ineligible for assistance under ivtHA, the SJtvicer, the U.S. Department of the lYeasuiy, or thsir respecti-ze agents may temunate my partidpation in MHA, inehiding any right to fuhire benefits and Inctntives that otherwise .'uuld hive been available under th* program, and aho may seek oiher remedies available at law and in equity, euch as recouping any benefits or inssnti 'es prerviously recen-cd.
ReqncstfbrMortgagoAtisiseuice Fotm Pages of xo
KFDociype 50431
BARCODE
5.1 certify that any property for which I am rsquosirag aasistance is a habitable residential property that is not subject to a Condemnation notice.
6.1 certify that I am wUiing to provide all requested dociirnents and la respond to all Servicer communications in a timely manner. I uadcrstaad that time is of the essence.
7. r undenstasid that the Servicer -i-rill use the information I provida to evaluate ir.y eligibility for available relief options and foredosuie eltemafives, but the Servicsr is not obligated to offer me assistance based solely on the representations in this document or other documentation subtnilled in connection with my reqneyl:
8.1 am Willi ng to commit to credit couoselins if it is dsterijilned that my financial hardship is related to e.\cassivs debt
~97lf I ain"aigiWfw assist iice Under SIHA, and Taccept and agree to terms of an MHA notice, plan or agreement, I also agree lhat tha terms of this Aclcnoivlsdgmenf and Agreement are incorporated into such notice, plan or agreement hy reifereaces as if set forth therein full. My first timely pAym ii if require^ foPoiirinf; ny Servicer's determination and notification of my pJqbilitv or prequalifieationALMHA.agsistanca.'will serve as my acceptance cxtthe terms set forth in the notice, plan, or agreement s«nt to me.
10.1 uadeistand that the Servicer •will collect and record personal in'teraiation, including, but not limited to, my name, addiess, telephone number, Social Security number, credit score, income, payment history, goveraaent monitoring information, and iuformati'on abonr account balances and activity. I understand and consent to the disdosnre of my pereonal information and the terms of any Maiisg Home Affordable Agreement by Servicer to (a) the U.S. Departtasat of the Treasury or its agents, (b) Fannie Mae and Freddie Mac in connection •with their lesponsibiliries under the Homso vvner Affortiabiliiy and fitabiliC Plan; (c) any investor, insurer, guarantor or Servicer that owns, insures, guarantees 01 services ray first lien or subordinate lien (if applicable) mortgage iDan(s); (d) aimpanle-s and or individuals that perform support services in cottpjaction with home preser\'atiOh mortgage assistance efforts; Ce) auditors, Inchiding but nol limited to independent auditors, regulators and agendesand (f) any HUD-certified housiDB counselor.
u. I consent to being contacted concerning this request fbr mortgage assistance at any email address or cdlular or mobile tdaphone number I have provided to the Servicer. This indudes text messages and telephone calls to my cellular or mobile telephone.
BoiTower signatore(s);
The undersigned certifies under penalty of perjury that all statements ia this document are true and correct.
Borrowr signature Co-bonower signatuix)
BorrovvTer Social .Security number Co-borrot'v'er Social Secarity number
BorrO'vrar date of birth Co-borrower date of birth
Date Dat»
Request fo r Mortgage As«i'stanc« Fonn Page 9 of10
RFI)ocl>TiB 50431 78s8aMUos/ia
BARCODE
Contacts — i f you have questions Ifyou have questions about this document or your available options, pIsaM contact yottr home pressrvatioa specialist. '"
Ifyou have questions abontyour options thatyour Servicer cannot answer or ifyou nsed further counseling, call the Homeowner's HOPE'*' Hotline at i-588- 9s-HO?E (4^73)- A Koth'ne counselor vill hdp you by answering questions about your available options and providing yon •Vvith free HUD-centfled counseling services ia English and Spanisi.
Information for gqverntnent monitoring purposes TbefoUiiwinginfoiinationisWc^ goi rnment in ordsito monitor coi^lianee •with federal statutes that prohibit ~ " discrimination ia housing. You are not required to fumish this infbrwAtion, but ate encouraged to do so. The laiv proiddas that a lender or Senicer may notdiserfminate dther on thftJM;Si3.of JhkjafarmatiQtt^or^>ruwhg^ futaish the infomiation, please provide boti ethnicity and race. For race, you may check more than one designation. Ifyou do not fiimish ethnidty, race, or sex, the lander or SeMeer is required to note the information on tbe basis of viBuai obsen'Stion and surname ifyou have made this retjuest for aaslstaacs in person. Jf yow do not •wish to fiirtniah the information, please check tJiei box b«low.
Borro'wer • 3 do not -wish to fii-rmsh this information. Co-borrower P I do notivish to fumish this information. Etlmidty. • tfispanic or Latino
vigNot Hispanic or latino Ethrudly: U Hispanic or Latino • Not Kifipanic or Latino
Raea; D^erican Indian or.Alasla Native ^0Asian
• Black cr African Anieiican • Nati're Haivaiian or Other Pacific Islander • tVbite
Race: U American Indian or Alaska Native • Asian • BlacJt or African American • Native Hawaiian or Other Pacific Islander • white
Sex: • Female »0l»lale 1
• ireraals • Male
To be completed by iutearviewiar This application vos taken hy:
• Fbce-to-fflce interview • Mail • Telejihone • Intemet •
Interviewer's ID number Iiite.'Triewer's name (print or tj'pe)
InterviEsvar's signature Date
iDtarviswer's phone number (include area code)
Name /Address of interviewer's employer
yptice to Borrower Ee advised that you ate signing tliis document under psnalty ofperjury. Any misGtatement'of'material feet made in the completion cf these dscuments including but not limited to misstatement rogstdingyour occupancy in your horns, hardship circumstances, and/or inoome ••viD subject you to potential criminal inveslisatioE andprosecation for the following crimes: pcdtity, false statements, mall fraud, and wire frniid. Tlie information contained in these dooumenta is subject to examination and -verification. Any potential miarepresentatlon vnll be referrsd to ths appropriate ]«<••/ enforcement authoriV for investigatioa and prosecution.
Ifyou are aware cf fraud, waste, abuse, mismaiugement or misrepresentations afSKated with the l roubled Asset EeBrf Program, please cobtict the SKJTARP Hotline by caHing J-S77-SIG-2009 (ton-free), 2oa-6aa-4559 ( '^1 o" •w*vw,sigtajT>.gov. Mail can be sent to Hotline Office ofthe Spedal Inspector General forTroubled Ataet ReKef Program, ifloi LSt. WashJuglon, DC 20220.
Request fO»- Mortgaee Ajsistaiue IPorju Page 10 of i«
mTJo<'iyp«3043j 78SS15IU 05/13
BARCODE
C H A S E O JPMorgan Chase Bank. N.A. P O Sox 6S9754 San Antonio, TX 78265-9754
i.i|||i.,|„,iL,i|.,i,i||.||,.ii,|i.|,i|.|.i...i|,i„i.|i,„.,r 00001376 DRE 703 712 33612 NNNNNNNNNNN I 000000009 60 0000
DANILO V SESE, INC DANILO V SESE.OWNER JOSEFINA G SESE, OWNER 8781 LONGMORE WAY
I
November 01, 2012 through November 30, 2012
Account Number:
CUSTOMER SERVICE INFORMATION
Chase.com
1-800-242-7338 1-800-242-7383 1-888-622-4273 1-713-262-1679
Web site:
Service Center: Deaf and Hard of Hearing: Para Espanol: International Calls:
You w/ill see more information about your ATM deposits on your account statement.
Tracking your ATM deposits will be even easier beginning November 12, 2012. In the Deposits and Addilions section of your statement, you will see the date you made your deposit (in addition to the dale we posted It to your accounl), arid the lasl four digits of ihe card number for each ATM deposit.
In the ATM & Debit Card Summary seciion, ATM and debit card transactions will be totaled by card number. This will help you track activity by cardholder. Please note thai any ATM deposit transactions lhat posi to your account before November 12, 2012, will not show this additional information and will not be included in the ATM & Debit Card Summary section at the end of your statement.
We value you as a Chase cuslomer. If you have questions, please call us at the number on this statement or visit your nearest branch.
CHECKING SUMMARY Chase BusinessSelect Checking
Beginning Balance
Deposits and Additions
Checks Paid
Electronic Withdrawals
Fees-and-Other Withdrawals.
Ending Balance
INSTANCES
7
9
3
• • . . 2 -
AMOUNT
$399.01
3,467.38
-3,162.43
- 608.23
- 68.00.
21 $27.73
The monthly service fee for this account was waived because you used af least $50.00 in other checking services during the statement period.
DEPOSITS AND ADDITIONS DATE DESCRIPTION AMOUNT
11/07 Aellic Ddp Credit 010058060 PPDID: 1421153896 $370.11
11/08 Fglile Commission 000174695 PPDID: 9133162002 264.04
11/09 Aeilic Ddp Credil 010058060 PPD ID: 1421153896 439.61
11/16 Aeilic Ddp Credit 010058060 PPD ID: 1421153896 456.94
Page 1 of 4
C H A S E O November 01, 2012 through November 30, 2012
Account Number:
DEPOSITS AND ADDITIONS (continued)
DATE DESCRIPTION AMOUNT
11/21 Aeilic Ddp Credit 010058060 PPDID: 1421153896 1,826.68
11/28 Deposit 85.00
11/29 Deposit 25.00
Total Deposits and Addit ions $3,467.38
CHECKS PAID DATE
CHECK NO. DESCRIPTION PAID AMOUNT
1480 11/01 S346.66
1492 11/06 25.00
1493 A 11/07 11/07 25.00
1494 A 11/09 230.00
1495 11/14 11/14 200.00
1495 A 11/19 185.77
1497 A 11/16 350.00
1498 A 11/21 1,700.00
1499 A 11/24 11/26 100.00
Total Checks Paid $3,162.43
If you see a description in the Checks Paid section, il means that we received only electronic information about the check, not fhe original or an image of the check. As a result, we're not able to return the check to you or show you an image,
• All of your recant checks may not be on this slatement, either because they haven't cleared yet or they were listed on one of your previous statements. , ^
A An image of this check may be available for you (o view on Chase:com.
ELECTRONIC WITHDRAWALS DATE DESCRIPTION AMOUNT
11/01 Franchise Tax Bo Payments 26858912 Pm PPD ID: 1282532045 $300.00
11/13 Att Payment 81088400lCsr1K Tet ID: 9864031003 192.91
11/28 AXA Equitable Ins. 091006391Ds PPD ID: 1135570651 115.32
Total Electronic Withdrawals $608,23
F E E S AND OTHER WITHDRAWALS DATE DESCRIPTION AMOUNT
11/01 Insufficient Funds Fee For A $300.00 Item - Details: Franchise Tax Bo Payments 26858912 $34.00 Pm PPD ID: 1282532045
11/06 Insufficient Funds Fee For Check »1492 IN The Amount of $25.00 34.00
Total Fees & Other Withdrawals $68.00
DAILY ENDING BALANCE DATE
11/01
11/06
11/07
AMOUNT
-$281.65
-340.65
4.46
DATE
11/08
11/09
11/13
AMOUNT
268.50
478.11
285.20
Pogo 2 ol 4
CHASE O November 01,2012 through November 30, 2012
Account Number:
DAILY ENDING BALANCE (continued)
DATE
11/14
11/16
11/19
-44/2-4-
AMOUNT
85.20
192.14
6.37
133.05
DATE
11/26
11/28
11/29
AMOUNT
33.05
2.73
27.73
SERVICE CHARGE SUMMARY TRANSACTIONS FOR SERVICE FEE CALCULATION
Checks Paid / Debits
Deposits / Credits
Deposited Items
Transaction Total
SERVICE FEE CALCULATION
Service Fee
Service Fee Credit
Net Service Fee
Excessive Transaction Fees (Above 200)
Total Service Fees
CASH PROCESSING
Cash Deposits Immediate Verification
Cash Deposits Post Verification/Night. Drop
Cash Deposits Total
Cash Deposits Allowed
Excess Cash Deposits
NUMBER OF TRANSACTIONS
12
7
1
2 0
AMOUNT
SO.OO
SO.OO
$0.00
$0,00
$0.00
AMOUNT
$80.00
$0.00
$80.00
$7,500.00
$0.00
Page 3 ol 4
CHASE O November 01, 2012 through November 30, 2012
Account Number:
Note; Ensure your checkbook register is up to date with all transactions lo date whether they are included on your statement or not.
1. Write in the Ending Balance shown on this statement: Step 1 Balance: $_
2. List and total all deposits & additions not shown on this statement:
Date Amount Date Amount Date Amount
3. A d d S tep 2 Total to Step 1 Ba lance .
Step 2 Total: $_
Step 3 Total: $_
4. List and total all checks, ATM withdrav/als, debit card purchases and other withdrawals not shown on this statement.
Check Number or Date Amount Check Number or Date Amount
s t e p 4 Total: -$_
5. S u b t r a c t s t e p 4 T o t a l f r o m S tep 3 T o t a l . T h i s s h o u l d m a t c h y o u r C h e c k b o o k B a l a n c e : $_
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS:Call or write US at the phone number or address on the front of Biis statement (non-personal accounts contact Customer Service) if you think your statement or receipt is incorrect or If you need more information about a translor listed on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on v,ihich the problem or error appeared. Be prepared to give us the following information:
• Your name and account number • The dollar amount ol tho suspected error • A description of the error or transler you are unsuro of, why you believe it Is an error, or why you need moro information.
We vM investigate your complaint and will correct any error promptty. If we take more than 10 business days (or 20 business days for new accounts) to do this, we wiil credit your account for the amount you think Is in error so that you will have use of the money during the lime it takes us to complete our investigation.
IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC TRANSACTIONS:Contact the bank immediately if your statement is incorrect or if you need more information about any non-electronic transactions (checks or deposits) on this statement If any such error appear.'!, you must notify the bank in writing no later than 30 days after the statement was rnado available to you. For more complete details, see Ihe Account Rules and Regulations or other applicable account agreement that governs your account
NDBR JPMorgan Chase Bank, N.A. Member FDtC
Page 4 of 4
CHASE O JPMorgan Chase Bank, N.A. P O Box 659754 San Antonio, TX 78265-9754
l . | l „ l l | l . . , l | , l , | | l , . | [ . l l , „ l , | . , | l | | , , l . . . | | | . | „ | . l l , . l l , | l ,
00001323DRE70371200113yNYNNNNNNNN 1 000000012 60 0000
DANILO V SESE, INC DANILO V SESE.OWNER JOSEFINA G SESE, OWNER 8781 LONGMORE WAY FAIR OAKS CA 95628-6347
DecemberOI, 2012 through December31, 2012
Account Number: # H 0 M M H M H W 9
CUSTOMER SERVICE INFORMATION
Web site; Service Center: Deaf and Hard of Hearing: Para Espanol: Internalional Calls:
Chase.com 1-800-242-7338 1-800-242-7383 1-888-622-4273 1-713-252-1679
IMPORTANT UPDATES TO THE DEPOSIT ACCOUNT AGREEMENT
We will be making the following changes to the Deposit Account Agreement for Chase checking and savings accounts, ellective March 24, 2013.
We have: -. Added the following language to the Important Definitions section: Debit card
transaction: Includes any purchase from a merchant using your ATM card or debit card. - Modified the agreement to clarify that we will only send one copy of any nolice
relating to your account, even if the account has more than one owner.
- Revised our Funds Availability Policy. Under Longer Delays May Apply, we describe circumstances where funds may not be available until the seventh business day after the day of deposit. We are deleting the SGnt'oiice saying lhat tho first $200 from your deposit will be available on the next business day, so if we delay availability in those cases the delay may apply to the full amount of the deposit.
All other terms of your account agreemenl remain the same. If you have questions about the changes, please call us at the number on this statement or visit your nearest branch.
CHECKING SUMMARY Chase BusinessSelect Checking
Beginning Balance
Deposits and Additions
Checks Paid
Electronic Withdrawals
Fees and Other Withdrawals
Ending Balance
INSTANCES
7
12
2
2
AMOUNT
$27.73
4,865.85
.4,424.17'
- 415.32
- 55.00
23 -$0.91
DEPOSITS AND ADDITIONS DATE
12/03 DESCRIPTION
Deposit AMOUNT
$300.00
12/12 Aeilic Ddp Credit 010058060 PPDID: 1421153896 546.87
12/18 Aeilic Ddp Credil 010058060 PPDID: 1421153896 1,560.76
12/21 Aeilic Ddp Credit 010058060 PPDID: 1421153896 509.43
Page 1 ol 4
CHASE O December Of, 2012 through December31, 2012
Accounl Number:
DEPOSITS AND ADDITIONS (continued)
DATE DESCRIPTION AMOUNT
12/28 Deposit 80.00
12/31 Deposit 125.00
12/31 Aeilic Ddp Credit 010058060 PPDID: 1421153896 1,743.79
Total Deposits and Addit ions $4,865.85
CHECKS PAID
CHECK NO.
1500 A DESCRIPTION
12/07
Total Checks Paid
DATE PAID 12/07
AMOUNT
$27.00
1501 12/13 259.27
1502 A 12/17 346.66
1503 A 12/14 20.39
1504 A 12/13 12/13 265.00
1505 A 12/18 53.85
1506 A 12/18 1,10000
1507 A 12/21 12/21 250.00
1508 A 12/22 12/24 250.00
1509 A 12/31 35.00
1512 *A 12/31 72.00 1514 ' A 12/31 1,745,00
$4,424.17
If you see a descripiion in the Checks Paid section, it means that we received only electronic information about the check, not the original or an image of the check. As a result, we're not able lo return Ihe check to you or show you an image.
* All of your recent checks may nol be on this statement, either because they haven't cleared yet or they were listed on one of your previous statements.
An Image of this chock may be available for you to view on Chase.com. ,
ELECTRONIC WITHDRAWALS DATE DESCRIPTION
12/03 Franchise Tax Bo Payments 27129834 Pm PPDID:, 1282532045 AMOUNT
$300.00
12/28 AXA Equitable Ins. 091Q06391Ds PPD ID: 1135570651 15,32 •
Total Electronic Withdrawals $415.32
I FEES AND OTHER WITHDRAWALS DATE DESCRIPTION
12/17 Insufficient Funds Fee For Check //1502 IN The Amount of S346.66 AMOUNT
$34.00
12/31 Service Fee 21.00
Total Fees & Other Withdrawals $55.00
Page 2 ol 4
CHASE O December 01, 2012 through December 31, 2012
Acoount Number:
DAILY ENDING BALANCE
DATE
12/03
12/07
12/12
AMOUNT
$27.73
0.73
547.60
—23:33r
2.94
-377.72
DATE
12/18
12/21
12/24
-4-2/2-8-
AMOUNT
29.19
288.62
38.62
3.30 12/13
12/14
12/17
12/31 -091
I SERVICE CHARGE SUMMARY You were charged a monthly service fee this month. Your Chase BusinessSelect Checking monthly Service Feo can be waived in five different ways during any statement period:
Maintain an average daily balance of $7,500.00. Your average daily balance was $48.00. OR Maintain a relationship balance of 825,000.00 or more during the statement period. Your relationship balance
was $48.00. OR . i. Link a qualifying personal checking account to your Chase BusinessSelect Checking account. You have no qualilying personal account linked. OR , . nn Spend al least $1,000.00 on a linked Chase Business Credit Card. You spent $0.00. OH
. Pay al least $50.00 in qualifying checking-related services or fees, You paid $34.00.
See your Account Rules and Regulalions or stop in to see a banker today lo find out more.
TRANSACTIONS FOR SERVICE FEE CALCULATION
Checks Paid / Debits
Deposits / Credits
Deposited Items
Transaction Total
SERVICE FEE CALCULATION
Service Fee
Service Fee Credit
Net Service Fee
, -Excessive Iransaclion Fees-(Abova200)—
Total Service Fees
CASH PROCESSING
Cash Deposits Immediate Verification
Cash Deposits Post Verification/Night Drop
Cash Deposits Total
Cash Deposits Allowed
Excess Cash Deposits
NUMBER OF TRANSACTIONS
14
7
0
21
AMOUNT
$21.00
$0.00
$21.00
$.o..c«. $21.00
AMOUNT
$505.00
$0.00
$505.00
$7,500.00
$0.00
Pago 3 ol 4
CHASE O DecemberOI, 2012 through December31, 2012
Account Number:
Note: Ensure your checkbook register is up to date with all transactions to date whether they are Included on your slatement or not.
1. Write in the Ending Balance shown on this statement: Step 1 Balance: $
2. List and total all deposits & additions not shown on this statement:
Date Amount Dale Amount Date Amount
Step 2 Total : $_
3. A d d S tep 2 Total to S t e p 1 B a l a n c e . S tep 3 Total : $_
4. L is t a n d total all c h e c k s , ATM withdravyals, debit ca rd p u r c h a s e s and other w i t h d r a w a l s not s h o w n on th is s tatement .
Check Numl>er or Date Amount Check Number or Date Amount
S t e p 4 T o t a l : -$_
5. S u b t r a c t S tep 4 T o t a l f r o m S tep 3 T o t a l . T h i s s h o u l d m a t c h y o u r C h e c k b o o k B a l a n c e : $ _
IN CASE OF ERRORS OR QUESTIONS ABOUT VOUR ELECTRONIC FUNDS TRANSFERS:Call or write US at the phone number or address on the front of this statement (non-personal accounts contact Customer Service) if you think your statement or receipt Is incorrect or il you need more information about a transfer listed on the statement or receipt. We must hear from you no later lhan 60 days after we sent you the FIRST statement on which the problem or error appeared. Be prepared to give us the loiiowing information:
• Your name and account number • The dollar amount of the suspected error • A description of tho error or transfer you are unsure of, why you believe it is an error, or why you need more information.
We will investigate your complaint and v/ill correct any error promptly. If we take more lhan 10 business days (or 20 business days for new accounts) to do this, we will credit your account for the amount you think is In error so that you will have use of the money during the time it takes us to comploto our investigation.
IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC TRANSACTIONSiContaot tho bank immediately if your statement is Incorrect or if you need moro information about any non-electronic transactions (checks or deprjsiLs) on Ihis statement. If any such error appears, you must notify the bank in writing no later than 30 days after the statement was made availablo to you. For moro complete details, .see the Account Rules and Regulalions or other applicable account agreement that governs your account.
i2r LUNDER JPMorgan Chase Bank, N.A. Member FDIC
Page 4 of 4 •
FAX COVER SHEET
FAIR OAKS, CALIFORNIA FAX: (916) 961-0321
TO:
COMPANY: WncHovia. Hoi^^/f ffiG%imm''\ioL} FROM:
DATE:
RH:
DANNY V. SESE (916)718-0135 Cellphone
TOTAL # OF PAGES INCLUDING COVER SHEET
^^SO. you riUCl.-f) % ^ ^ o i J f ^oO-^6^C/Jf?f^t^G
a ' £ T n ; ^ COl SUUq U)l(jMlMcs J 1^,^ ^
Ok}
2011 Federal K-1 Reconciliation Worksheet Page 1 Client 250 DANILO V. SESE
Page 1
DMI lO V. SESE, INC. 68-0442308 S Corporation NotiDassive K-l Inpti! Prior Year Unallowct
At.ftisk Loss DisollO'<ved Due
to At-Rish Prior Yoar Unallowec
Passive Loss Disallowed
Passive Loss Tax Retum
SCHEDULE E (page 2) Ordinary income (loss) 59,528. Rental real estate income (loss)
Other rental income (loss) Section 59(e)(2) expenses Pa<;=;iup infprp<;t p i rppnttp . .
Guaranteed payments (nonpassive).. Section 179 expense and carryover...
Disallowed section 179 expense Net income (loss) 59,528. 59,528. First passive other Second passive other Cost depletion
Depletion carryover Disallowed due to 65% limitation Unreimbursed expenses (nonpassive)., Nonpassive other Total Schedule E (page 2) 59,528.
FORIVI 4797
Seciion 1231 gain (loss) I4797 ordinary income
SCHEDULE D Short-term capital gain (loss) Long-term capital gain (loss)
FORIVI 4952
Investment interest expense Other net investment income
SCHEDULE A
Charitable contributions 170. 170. Deductions related to portfolio income.
SCHEDULE B
Interest income (banks, SSL, C/U, etc.)....
Interest income (U.S. bonds, T-bills, etc.).. Ordinary dividends
Tax-exempt interest (total muni-bonds).... Tax-exempt interest (in-state bonds)
FORIVI 6251 Depreciation adjustment alter 12/31/86 Adjusted gain or loss Depreciation (pre-1987) Beneficiary's AMI adjustment Depletion Excess intangible drilling costs
IVIISCELLAt EOUS Net earnings from self employment (SE) Gross farming income (Sch. E, page 2)
Taxes on undistributed capital gains (1040)
Credit for income tax withheld Estimated faxes credited from trusl
Carries to AMT at-risk/passive worksheets to compute Form 6251, line 18 or 19. FDIL1201L 05/03/11
02/20/2013 07:02 818-S,.o-8387 LARRY WEISS CPA PAGE 93
Sdiedule K-l {Form 1120S) DafsrtmanI <i »« Tisasi/iy htemal Rfl-icnuft Servioo
Fa cslend-ir yar 2011.«tax
year facoinrtihg • , £511
encing .
Shareholder's Shara of Income, Deductions, CreditS) etc ^ Se« page Z c! form snti sef^rate Instruction?
Infoirnattori About the Corporation
A Csrporatton's employer Identificalion number
B Corporation'; nam&, addiess, city, state, and ZIP cade DAHILC V. SESE, INC. 8781 lOyiGMORE WAY FAIR 0M£, CA 93628
n Amended K-1 OtJB tit,. 1545.01311
mmm
other net rental Income (loss)
3bi
C IHS Center wfiere corporation filed return Oqden, OT
Information About the Shareholder
0 Shareholder's Identi in^ numbei
E Shareholder's fiOine, address, city, 5t3te, and ZIP code DAMY SESE gvea LOHOTORE MAY FAIR C3AKS, CA 95623
Shareholdef's Share of Current Year Incoms DeducHons, Creditfl, and Other Items
Ordinary business income (loss) 59,528.
N'et rentsl ris! atals bitoine (loss)
Interest income
Ordinary dlviriend.
13
Qualified dividends
Sb
Roj/sljles
Net shott-term caailal gain (loss)
Nat long-letm capital gain (loss)
8c
10
F Shareholder's pefoenioge of stock ownership f«r tax y&ar 100 %
11
Collectibles (28%) gain (loss)
Un.-ecaptured sedton 1 ^ aain
Net section 1231 gain (loss)
Othsr ineoiTO (loss)
14
IS
Sedion 179 deduction
Other dsdudions 170,
17
Cradits
Foreign transactions
Aternatlve mlrimni ia,( WM) Ifems
Itenu eifecting sliarc iclder bnis 1,64S,
_15 qp7,
Other Information
*Sgo attached statsment for additional information. BAA Fcr Papawork Reduction Act Notice., see Instrucilons (or Form 1120S. Shareholder 1
Schedule K-1 (Form 1)205) 20n
Schedule E (Form 1040) 2011 Namc(5) sho-A-n on return. Do not eriter name and social security numbsr if shoivn on Page 1.
DANILO V. SESE
Attachment Sequence No. 13 Pace 2 Your social security number
Caution: The IRS compares amounts reported on your tax return with amounts shown on Schedule(s) K-1. i^ i r t i lga Income or Loss From Partnerships and S Corporations
Note. If you report a loss from an at-risk activity for which any amount is not at risk, you must check the box in column (e) on line 28 and attach Form 6198. See instructions.
27 Are you reporting any loss not allowed in a prior year due to the at-risk or basis limitations, a prior year unallowed , , . loss from a passive activity (if that loss was not reported on Form 8582), or unreimbursed partnership expenses?.... | | Yes [XjNo If you answered 'Yes,' see instructions before completing this section.
Passive Income and Loss
(f) Passive loss allowed (attach Form 8582 if required)
(g) Passive income from Schedule K-1
(h) Nonpassive loss from Schedule K-1
(i) Section 179 expense deduction
from Form 4562
0) Nonpassive income from Schedule K-1
A 5 9 , 5 2 8 . B
C D
29 a Totals 5 9 , 5 2 8 . b Totals
30 Add columns (g) and (j) of line 29a 30 5 9 , 5 2 8 . 31 31
32 Total partnership and S corporation income or (loss). Combine lines 30 and 31. Enter the r esult here and 32 5 9 , 5 2 8 .
28 (a) Name
(b) Enter P for partnership;
SforS corporation
(c) Check if foreign
partnership
(d) Emt3loyer identification
number
(e) Check if any amount is not at risk
A -DAN-I-LO V-. SESE-,—I-NC. S 6.8-0.4.423.0.8 'B C D
Nonpassive Income and Loss
igaMUfsl income or Loss From Estates and Trusts 33 (a) Name
Passive Income and Loss
(c) Passive deduction or loss allowed (allach Form 8582 if required)
(d) Passive income from Schedule K-1
(e) Deduction or loss from Schedule K-1
(f) Other income from Schedule K-1
A B 34 a Totals :mfm^t^:^ws^^'
35 36
37
35 36
37
35 35 36
37
36 35 36
37 Total estate and trust income or (loss). Combine lines 35 and 35. Enter the 37
(b) Employer ID no.
Nonpassive Income and Loss
jgalrtjljyiLil income or Loss From Real Estate IVIortqaqe Investment Conduits (REMICs) - Residual Holder
38 (a) Name (b) Employer
identification number (c) Excess inclusion from Schedules Q,
line 2c (see instructions)
(d) Taxable income (net loss) from
Schedules Q, line lb
(e) Income from Schedules Q, line 3b
39 Combine columns (d) and (e) only. Enter the result here and include in the total on line 41 below. I 39 | j | i ^ | i ^ | S u m m a r y
40 Net farm rental income or (loss) from Form 4835. Also, complete line 42 below.
41 Total income or (loss). Combine lines 25, 32, 37, 39, and 40. Enter the result Form 1040, line 17, or Form 1040NR, line 18
42
43
Reconciliation of farming and fishing income. Enter your gross farming and fishing income reported on Form 4835, line 7; Schedule K-l (Form 1065), box 14, code B; Schedule K-1 (Form 1120S), box 17, code U; and Schedule K (Form 1041), line 14, code F (see instructions) Reconciliation for real estate professionals. If you were a real estate professional (see instructions),'enter the net income or (loss) you reported anywhere on Form 1040 or Form 1040NR from all renlal real estate activities in yyhich you materially participated under the passive activity loss rules
BAA FDI22302L -|0;25/11 Schedule E (Form 1040) 2011
32/2E1/2B13 0 7 : 0 2 B 1 8 - 8 , ' o - 8 3 8 7 LARRY tiJEISS CPA PfiGE 02
Sirhgdule E (FonTi iOdJ) 2Qi Attachment S<;>quencg No. 13 Page 2 M.i.'nc(sl srwYivTi VP reuirn. Co n,3l t.-.-»f ns.TTc 6ti( e.'v-iat n4 Lirliy ftLj.Tia*/ '.l .•5 nvr: 00 pf^r ! •
DANILO V. SESE Caullor>: Tiia IRS c-siToares amsunts reporjed on your tax r^ium with 3r.a!.in:5 shewn on Scngdu!g{») K-1,
I Pati ii
Your v i a i t ^ecudly nJrtiO^r
27
J Income or Loss From Partnerships and S Corporations Noto. If '/ov report a loss fnom a,1 at-risk activity for which any amount i j nof ai risk, yo j must check tha Iwx l,i column (e) an ii,ie 28 and etiach Form 6198. See instr^icHons. •
Are yoj reporting a.riy ics.? not allowad in a i rlar vea: dus to the 5t-risk or hasis liniilaiicns, 9 prior year unallowed p-, |—, loss trom a passive activity (if that less was'not reported on Form 6532), or unreimfcurs-id partnarshlp expsnscs?... (_J Y«js [XJHo If yoti answered 'Ye.' ,' see instruelions before co,lipigtinc! this saction.
28 (a) Name
I (b) Enter P for partnership;
S for S oorOSratio.T
ADAMILO V. SESE, INC 3 T
Passive Income and Loss
(T) Passive loss ailO'.vecl (attach Form S38Z if required)
(S) PassWe Income frrsffl SeheddleK-l
(h> Nonpasslvfi loss frorn Schedule K-l
(i) tiectlon 179 expanse clficlucflpr!
from Form <£S2
(|) iMonpa!9iv.'e mcome from Schedule K-l
Al 5 9 , 5 2 8 . Bl C 0
299 Totals 5 9 , 5 2 8 .
(OCneck II foreign
partnership
(d) Employer idgntifica'ion
numtier
(E) Check if any amount is not al rialt
Nonpassive Incomo and Loss
30 Add columns (fl) ant! (j) of line 29a 31 Add wiiiinns (f), (r,;., arsd (i) of lihs 29b '.
32 Total partnership snd S corporafion inrxmc &' (lossX Combi.ne lines 30 and 31. Enter Ihc result here and include in the iQial on line 4.1 belo'.v.,
I Part 111 I Incottie or Loss From Estates and Trusts
3Q 31
32
59,528.
59,528.
33 (a) Name <b)EmDloyer ID no, Al Bl
Passive Irtcomo and Lass Nonpessiv« Incoms and La$£
(t) .f'assive deduction cr loss allovjsa (allach Forrn 8532 if recinired)
(d) .Passive incoma from Schsriuie K-1
(o) Deduction or loss trom Schedule K-1
(DOt^er iiieame from Schedule K-l
35 3fi Add columns (c) and (e) Ol line 3 (3 36
37 Total estate and tm j t Ineoinc or (loss). Corr bine lines 35 and 36. Enter ths ••estjlt here o,-ici include ir lha toial on lina 41 below. , 37
' r 1 1
33 (a) Na.re (b) Employer ldentifi?fition nLirpb^r
r«)fKff:s ircl'js'pn troifl SchedulDj Q,
lino 2c (if? irts.'njcftes)
<d) Taxable income (net lossi rram
Sehcdulea 0 , line ib
(e) Income from Schedul«s Q, line 36
39 Combine columns (d) end (e) only. Enter Itie fesylt haro and InelLdt in t ie tdial on line 4-1 tsslow ! 39 1 Part V 1 Summary
40 Nel term rental income or (loss) from Form 4S3S, Alio, complete line bslOw 40 41 Total incom* or (loss). Combine lines 26. 32, 37, 59, and 40. Enver the result hsrc and on
rOrm 1040, lin« 17, or Fomi 104CNR. line IS »
1
41 53 , 5 2 3 . Ai Reconciliation of farming and (t?hing Incomo, Ent=,' your gros!* f»,'rninq
SPd f in ing income reported on Fcfrri 4835, line 7: Schedule K-l rForfn 10E5). box 14, cods B; Schsduls K-l (FOTTI 11205), box 17. cods U; i nd Schedule K-1
42 1 43 Receneillation for rea! ostatd professionals. If you vjere a real eststs
prolessional gee Inst.-uclfsns), entsr ihe net income or (losa) you reported any.vherB oc rcrm IC-to or Form I'JIONR from all rontsil re?.l estats activities in wfiicH you maferiglly particJDslsd under Ihe rja-^sivo acliul'y loss rules « 1
BAA Schsdule E (Pom 1040) 2011
FAX COVER SHEET
FAIR OAKS, CALIFORNIA FAX; (916) 961-0321
!j-(ao/'/3...iy/
LJJ
TO; Al^iTf/Q^iy .Hma^'R
COMPANY: k)mmiaJdQm fmepuaiiou .pr,
FROM; DANNY V. SESE (916) 718-0135 Cellphone
DATE:
RE; DM no il. £fSb^
TOTALS OF PAGES INCLUDING COVER SHEET
Form fftov. Januayi012) Depsrtmsnt»! •la Traasur/ Intemal Rernnjt 3&rv.ca
Request for Transcript of Tax Return > Requstut may be rs]eci«d if the form is ineomplela or lllesible.
0MB No. 1S4S-107S
Tip. Use Forrn 4S0S-T lo order a snscript or e*er ratum information fiBO ef shsrge. See ths product: wa fcelcv/. You can QuieWy request tanscipts ty using our autoniatsd self-help service tools. Pleass visit u; ot las.jov and dick cn "Onj r & Tanssrip? or call 1-SOO-S03-9940. ifyou rjsed a copy of yoir njtjm, use Fbrm 4505, Request fer Copy of Tax Retort. Th«,'e is a fso ta get a cepy et your return.
•la Name ehowi on lax re^jm. If a joint reiurn, enter \he name shown firsi.
DAkiiLO I/. ^F.^e,Jk}c
lb Firei oofitsi security numbsr en tax rEti»n, LtdMiftiEl taxpayer Idenliliration Bimber, or ataployer itfentificatton nuiiib«r (sea inslucfciu)
•la Name ehowi on lax re^jm. If a joint reiurn, enter \he name shown firsi.
DAkiiLO I/. ^F.^e,Jk}c Ss If a jolni return, enter spouss's natna sho 'n on tax return. 2b Second soslal s^cut^ number or indlviduci ti^pdyer
idenSfiisaiiori numlwr "rf joint tax rsfem
4 Previous addrsss shown on the lest return filed if different from Una S fees instructior.*) J
MIA . S If ihe ftinesHpt or tax infcrraation is fo to maisd to e third party (such as s rnortgage company), STtcr the third par:y'€ nstna, address,
snd tel*pfion9 numoer.
CEutiort //1*9 transcfpf fs Ssrip tmilsd io e third party, enfiu/e fhaf you /jave filed hi iinis 6 through 9 bsibro signing. S^n and data ihe forni once you hsveailsdlp ihese Jinss. Cair,platir>g thssestapsheip^io prated yi^urpriirsey. Ones fts IRS d/sc!os9i your IBS irs/'sonpt to ths iiiird parfy listed on Une S, ths irlS has no contra! over vrhat tha third fxirfy does with tfte tniormsiion, Ifyou would liiis io iimlt the ihinlp$ny's lulhority to dixdnsa your transcfjpi infonr>atlor>, you can specify tna limiwion In your vrrlnsn ggi^smsm with tna thifd party.
CSS, 1120, etc.) end ohsek the appropriate tjox tielow. Ehter only one tax form 6 Transcript recnjealea Enter the tsus •form number hers (1 WO, number per fsquest*" >.a«49- , //^O
a Return Transcript, which Includes most of tfie line ifGms of s tSiX return as filed •wfL'i Uie IRS. A tax return transorlpt does not refiad cnengas mads to th* accou.nt after ihs retum is pracessed. Tran nripts are only svailaSle for tha follo'/viriy re;ums: Rinn 1040 aeries, Form ices, Form 1120, Form 1120A, Form 1120H, Fonn nSCL, and Form n2QS. Retum transcripts are available for the ouffontyear and returns processed during the prior 3 processing years. Mosirequssts will be prreessad wtihin 10 bu*i . . . . . .
b Aceeunt Trorsoript which contaf.ns Information on ir.e tlnancial s al is of the account, auch as paymenta matie on the accownl, penally assesanwnte, and adjustmsn!.? made by you or the IRS gfief the return w » tilaa. Return infoiwatien is limittid to items suoh Va liabilily and eStimaiad lax paymsns. Accsum transcripts are gvaJable for most returns. Most reCjuaslE •ivil) be procftsseo v.'ithin 30 caeniSsr days . •
o Floeord of Account, whisti prcrvides ffle most detailed lifcrmation as it is a connbinalion of tha Retum Transcript and ths Account Transcript. Available for current year end 3 orior ta^ yeata. Most requests will be processed within 30 calendar days Q
7 Vorifictitlon of Nonfiling, v.'hioh V? p.'oof from the iFiS that you did not file a return far the i'ear. Currant year requests sre only evgliabls after June isth. Thare are no Ewa3ability restrieiions on prior year requests. Moti requests will be processed vjithin 10 business asys. . Q
S Perm W>5, Perm 1092 series, Form •|0fl3«<»les, or Form54S8 series transertplTTiB IRS can provide a transcript that Includes tjatofrom fhesa irtfonnatfeo returns. Stats cr loaaJ atformalicn is not included v.lth the i=orm W-2 InfomiaHoa The IRS may bo eisis to provide tNs tranaoript informalion for up to 10 yaars. Informaticn tor the current yea; Is generally not available until the year after It is filsd with ttia IRS. . or s>iampte, W-2 information for 2010, Hied in 2011, will not ba available from tha lt\S until 2012. If you need W-2 l.tfcnnation for netircmsn: p^npww, you shoUdcortset tha Social Security Adriinistretion at 1-600-772-1213. Most requests . . •
CaulroH. If you nesd soapy olForm V/-2wForm 109S, you should first contsot ths psyer. To g6t a copy of the Form W-ZorForm 109S filed with ypur' relum, you must use Form 49QS6nd request a ec.oy of your rsiurrt, wMch intrudes sll sffewir/wrrfj.
8 Year or period reeiuested. Enter the endiPig data of the year or period, usiny the trarv'dci'yyyy fbnriat. If you are roi ussting more liian four yeara or psrioda, you musl aTtaeh another Form 4506.T. For requasts reiatins to quarterly tax rsiurns, suoh es Form S41, ysu must anter each quarter or tax period scpcrofoty. j - ^gwe— 2011
ChscK this box if you have notified the IRS or ihe IRS he* notified you that one of the years for which you are requesting a transcript Involved identity theft on your federal tax retum •
Caution. not eign this fomi u.iteas all applicable lines Iiave been complet-sd.
Slgna'iuj'e ef -laxpeverla). 1 declare tist 1 am either ths taxpayer whose nsine Is shown on lii-w 16 or 2a, or a person authorbed to obtain the ts^ infonnallon rsqusstBd. If the re«5uesi applies to a joint retum. either husband or w/ife musf sign. If signed by & corporate offroer, pertnc, guardian, tax ir.attera partner, executor, receiver, ao'rnl.-i'strator. truttee, or psrty other than the taj«payer, I certify that I have th» authority to exeeuts Farn 4S0e-T on behalf ofihe faxpsyar. Note. ftjrfrsrtscr^jfcCe.Tjgse.ittoa ihifdpsrfy, ^is form must bo rcsat'vodwfthin 1SQ diys ofihe sign^ur^ data.
'fiCf/wlh II Lt,, Signature («4 instructions)
Phone riUmDer of taxpayer on line l6or2a „ _
Pax
Hsrs " Tttlo(iflineiaabovebac«.'S«ra!lDn,pa.'t.i8rtiWp, eitets.ortiustj
Spou»'s Jgnatura Dats
For Privacy Act and Psperworl< Reduction A ^ tioViae„ sac pagi? J Cst No. 37837N fd/r!i4506-TiRav. 1'£012)
FAX COVER SHEET
FAIR OAKS, CALIFORNL\ FAX; (916) 961-0321 ra
TO: AUTHOkfW Mckfi>^)
COMPANY: {KimnM • M^^^^^ ^
FROM; DANNY V. SESE (916) 718-0135 Cellphone
DATE: 3^
TOTAL # OF PAGES INCLUDING COVER SHEET
inn
Ferm (Psv, Januay20l2) Cipjlitrrwrt of the Tresouy WKJTSI Rei.'snue&er.toe
Request for Transcript of Tax Return > Requaet may be rojested if thsfemi is incomplete ar illcgiblo.
OMS No. 1545.16?3
7ip. Use Form 450e-T 10 order a trsmscrtpt or other tet>jrr\ irrfSnviatlon f rse of ehajBs- See the product list b«bw. You can qvicwy request transcripts by using our sulometed ael*-help service teels. Please visit us at iRS.savecid cWtiion 'Order a Tiansoript' or tail 1-600-903-9946. ifyou n«ed e copy ot your return, use Fonn 4SCS, Request for Copy of Tax Refurn. The.-e is a tee to get a copy 0! yokir r$:um.
la Name shown on tax rfiturn. If a joint return, entjr the name shown first.
2a It a joiM reiurn, enter spouse's name s.hown cri inx return.
1 b First social security nuiiibei' on tax retuhl, IndividuDl taxpay«r Idsnfiflccfion number, er employer klcntificetKui nuniber instruet'ens}
2b Second soc'i l security number cr bdlviduDi Icixo yer identifieatlorf number If Joint tax r ^ m
a Cur.-ert narrc, address (iittludiro apt, room, or suiis no.), city, stste, and 2IfH code (SSrs Instructions) r—zz r~
i Pre'/lous address shovm on the laet retum filed if ditterem (rem iina S (see instructions)
5 If ths transcript or tax infonnatipn is ta be mniied to a third party (such as s mortgage company), anter tne Iriir J party's name, address, and telephone numbor.
Caution. ffth0 t3X transcript ia being mailed to a third party, ensure matyau nave Sllsdln lines S through S beh.'e signing. Sign and dato ifie form 9.100 you have filled intbtss lir,^. Ccmplsiing iftess sfeps nafss to prtrteot yetjrpn-vsty. Once ihs lFt3 discloses your IPS i/anterlpt to th« thir^ party listed en line 5, ffie has no cortirtii ever vrheit the iriird party doss with fha InfcrmAtion. if you v,'Ou:d ffle lu litnt the third psfty's authority io cSsdose your trs,iscrtpt Information, yo\i can specliy ihis iMtailon in your written agrtsment witii ih6 third party.
120, etc.) and cheGk Sho appropriate below. Enter aniy one taii form 6 Tranacript requested. Eitsr the tax form numbar hers (1040,1065, number per request t> / /
a Retunn TVanoo/ipt, Which includes most of ihe line items ol a tsx return as filed wiih the IRS. A tax return transcript does not reflect changes made to the acssunt after ths rewm is p.ticessed. Transcripts only avciiable for tha fsllowing netums: Form 1040 series-, Form 1035, Form 1120, Form I12QA. Forni HSOH, Fonn 1120L and Paim 1120S. Return transsripts ara avaliabte fcr the current year 7p>^ snti retui ns procsssed duririg the prior 3 procesiiing I'ears. Wisst requests vjill ba processeo v/itlln 10 bushsss days
t> Accoiit^i Transcript, v4iieh conlains infer,*Aat!ori on tha financial status cf the acco;»Tt, such as payments mads on thu account, penjJty asses&rr.enis, and sdiustwenta mads by you oriK* IRS after ths return was flied. ReJym informEtion is limited to items suoh ea to liability and estimated tax paymenis. Acsount transcripts are a^raiaiile for most raairns. Moit requests will bs proosESOd wilhin 30 cai6nd?r days . Q
c Record of Accourtt, which provides the most detailed information as it is a ooriitjinetlon of the Retum Transcript and the Account Trapsislpt. Available tor aurrcrrt year and 3 pho,' lax years, iwnat requests wil! be processed v/ithin 30 calendar flsya p
r Verification uf Nomiring, which Is proof from the l i ^ that you did not file a reiUTi for the year. Current year requests arc only available after June I6th. The.'e ar? no avallabiWy restrictions on prioryear requests. Most re<?je»l3 will be processed within TO bufilnass days. . •
8 Form W-2, Form loag sertes. Form lOM series, or Form S4S8 scries transcript. Ths IRS osn pnovidft a transerlpt thai includes daa from thess Infonrtation returns, Ststa er local irifor,7iation 19 not i, cluded with the Form W-2 infor'iTiation. The 1R6 may bs able to provide this transcript information tor up to 10 yoans. ln.foriT!otiofi far the cunent year is generally not avaiiable u,'itil the year after it is filed with ttie InS. For example, W-2 information for 2010, filed in 8011, will not be ava;iabla fttt.n the IRS untii2012. Ifyou need W-2 irrfa.'mation for rssliroment purposes, you sf^ouldoontao; ITS Social Securi^ Administration at •1-S00-7T2"1213. Most requesfe wilt be , . •
Camion. HyoufissdacopyoiForm W-SorFcrm 7CS8, you should Srsi een^eiif^ip psyer, Torj^taoopyaftrieFom W-ZorForm 1093 filed with your miirn, you must use Form -^SOS and rsqui$$t a copy of yojr return, v/hieh Includes $11 Bttach,Tients.
9 •year or p«riod fequestetfi &!tsf the ending date of the ysar or period, using tha mm/dd/yyyy for.-nat If you are requesting more than four years a- periods, you must attach another Fctm 450S-T. For requests relating to quarterly tstx relurns, such as Form 9^1, you must sntsr each qdirfsr r;r tax period separately-. "SjOU
Chacl: this box il you have notified the iRS or the il^S has nolified you that ot-& of the yesis for which ycu are requesting 3 transcript invoi'/ed Mfltwity theft on your federaltax retum . •
Gaut'oft Do not sjgn ihis form ixteii 3)1 appicable ii.ies iKive bWi eamplgteC.
Slgnstura 0/ taxpsirerfs). I declare that I ian citi*,i;r the taxpsyar v/,ho3e nairtfl Is ^if.ann on line la or 2a, or« person authoriJijel to obtain the tax information requssted. If th* request applieg to a Joint return, eillier husband or wrfa must sign. If elgried by * torporate offiMr, partner, guardian, tax nratters partner, executor, receiver, administrator, tn.t?«ft, or party other than tne taxpayer, I certily that 1 hsva ihe authority to execute Form 450B-T on behalf of the taxpayer. Noto. ftir transcripts being ssnr ro a t^iinJ party, tiiis mm: must 69 reoshrsd vi^in 120 days of tha signature data.
Khone number of taxpayer on line la cr2a
1 B/lJ/3 Khone number of taxpayer on line la cr2a
f S/gnatuw (seelnsirircticfts)
Sign k oujiii a Oak)
Here ' T1tlo|iflinel8aiKiv9isaccrpo.'E!lon,partnerstiip, estate, or tmsij
k 1 f Sp^uao'B sijnatww [}(lt$
Por Privacy Act and P«p«n«ork Reduction AvS Nolice, see psfls C4t.t-1».S78S7N Fonn 45O6-T (Rsv. i-aoii)
FAX COVER SHEET
^ 1 loi/i
FAIR OAKS, CALIFORNIA FAX; (916) 961-0321
TO; l\mHm\j HtXCXi:,^ COMPANY: mam\{\. mm fmimmrm verr. FROM; DANNY V. SESE
(916)718-0135 Cellphone
DATE:
RE;
TOTAL # OF PAGES 3 INCLUDING COVER SHEET
— O -e / e i
Departmsnt of Ihe Treasury — Internal Revenue Servicc (99) _ ^ ^
Form 1 0 4 0 U.S. Individual Income Tax Return 2011 0M3 No. 1M5.U074 IRS Use Only — Do nol write or slaple in this space
For the year Jan 1 - Dec 31,201 i, or other tsx year beginning ,2011, ending ,20 Your first name
DMILO V. SESE
Ml Last name
If a ioint reiurn, spouse's first name Ml Last name
Home address (nu,-nber and slreet). Ifyou have a P.O. box, see instructions.
8781 LONGMORE WAY Aparlmenl no.
City, town or post office. If you hove a foreign address, also complete spaces bebw (see insUuclions).
FAIR OAKS. CA 95628-6347
State ZIP code
See separate instructions. Your social security number
Spouse's social security numbor
A Make sure the SSN(s) above and on line 6c are correct.
Foreign country name l-oreitin provificts/counly -Forcijn-psstal-codo-
Presidential Election Campaign Check here It you, or your spouse if filing joi.ntiy, wanl $3 to go to this (und? Checking a nQrt)etawwTfj-nor-chaf<ge-yQtiMax~op-refund.
!rgwwTfrnor-cnaf<ge-yQi
nvou n Spouse
Filing Status
Check only one box.
X Single Married filing jointly (even if only one had income) Married filing separately. Enter spouse's SSN above & full name here.. ^
4 Head of household (with qualifying person). (See '—' instructions.) If the qualifying person is a child
but not your dependent, enter this child's name here *' ,
Exemptions 6a
5 I I Qualifying widow(er) with dependent child
Yourself. If someone can claim you as a dependent, do not check box 6a.
If more than four dependents, see instructions and check here .. [
c Dependents:
(1) First name Last name
(2) Dependent's social security
number
(3) Dependent's relationship
fo you
( 4 ) / i f child under
age, 17 qualirymg Tor child tax cr (see instrs)
n n D n d Total number of exemptions claimed.
Boxes checked on oa and 6b . . No. of children
- on &c who;
• lived with yaii
did not live with you
~ due to divorce _ or separation ' (see instrs> . . .
- Dependents on 6c nol
. entered above .
Add numbers on lines above *^
Income
Attach Form(s) W-2 here. Also attach Forms V 2G and 1099-R if tax was withheld.
If you did not get a see instructions.
Enclose, but do not attach, any payment. Also,' please use Fomi 1040-V.
8b
7 Wages, salaries, tips, etc. Attach Form(s) W-2 . . . 8a Taxable interest. Attach Schedule B if required...
b Tax-exempt interest. Do not include on line 8a... 9a Ordinary dividends. Attach Schedule B if required
b Qualified dividends 10 Taxable refunds, credits, or offsets of state and local income taxes
Alimcny received Business income or (loss). Attach Schedule C or C-EZ.
9b
11 12 13 14
Capital gain or (loss). Att Sch D if reqd. If nol reqd, ck here Q Other gains or (losses). Attach Form 4797,
15a 16a
b Taxable amount.. b Taxable amouni.
15a IRA distributions 16a Pensions and annuities.., 17 Rental real estate, royalties, partnerships, S corporations, trusts, etc. Attach Schedule 18 Farm income or (loss). Attach Schedule F ; 19 Unemployment compensation 20 a Social security benefits [ 20a| | b Taxable amount 21 Othsr income SeS- S t a t s m u t ^3 22 Combine the amounts in the far richt column for lines 7 through 21. This is ycur total income
.Ad jus ted Gross I ncome
23 Educator expenses 24 Certain business expenses of rsseivists, performing artists, and fee-basis
government officials. Attach Form 21C6 or 210S-EZ 25 Health savings account deduction. Attach Form 8889 26 Moving expenses. Attach Form 3903 27 Deductible part ot self-employment tax. Attach Schedule SE 28 Self-employed SEP, SIMPLE, and qualified plans 29 Self-employed health insurance deduction 30 Penalty on early withdrawal of savings 31 a Alimony paid b Recipient's SSN " . 32 IRA deduction 33 Student loan interest deduction 34 35 36 37
Tuition and fees. Attach Form 8917 Domestic p.'oduclion activities deduction. Attach Form SS03 , Add lines 23 th,'ough 35
23
24 25 26 27 28 29 30 31a 32 33 34
8a
9a
10
n 12 13 14 15b 16b 17 18 19 20 b 21 22
-3 ,000 .
59,528,
2 ,000 . 58 ,528.
35
Subtract line 36 from line 22. This is your adjusted gross income, BAA For Disclosure, Privacy Act, and Paperwork Reduction Act Notice, see separate instructions.
36 37
0. 58,528,
FDIA0112L 11/07/11 F o r m 1040 (2011 )
Form 1040 (2011) DANILO V. SESE
Tax and Credits
standard Deduction for -• People v/ho check any box on line 39a or 39b or who can be claimed as a dependent, see instructions.
« All nihprs-
38 Amount from line 37 (adjusted gross Income) , 39a Check _ r n Y o u were born before Janua.'y 2, 1947, r j Blind, jotal boxes
'f' " L L I Spouse was born before January 2, 1947, Q Blind, checked*' 39a I b If your spouse iteiTiizes on a separate return or you were a dual-status alien, check here ^ 39 b
_40 Itemized deductions'(.Tom Sctieclule A) or your standard deduction (see instructions) s/i — 41 Subtract line 40 from line 38 42 Exemptions. Multiply $3,700 by the number on line od 43 Taxable income. Subtract line 42 from lino 4i.
!f line 42 is mors than line 41, enter -0-44 Tax (see instrs). Check if any from:
Single or -Married filing separately, 55,800 Married filing jointly or Qualifying widow(er), $11,600 Head of household, $8,500
Form(s) 8814 Form 4972....
Q 962 election
45 Alternative minimum tax (see instructions). Attach Form 6251. 46 Add lines 44 and 45 47 48 49 50 51 52 53 54 55
Foreign tax credil. Attach Form 1116 it required Credit for child and dependent care expenses. Attach Form 2441 Education credits from Form 8853, line 23 Retirement savings contributions credit. Attach Form SS80 . Child tax credil (see instructions) Residential energy credits. Attach Form 5695
Other crs from Form: a Q 3800 b f ] S801 c Q
47 48 49 50 51 52 53
Add lines 47 through 53. These are you,- total credits Subb-act line 54 from line 46. If line 54 is more than line 46, enter -0-.
Other Taxes
56 Self-employmonI fax. Attach Schedule SE 57 Unreported social securily and Medicare tax from Form: a b | [ 5919 58 Additional tax cn IRAs, other qualified retirement plans, etc. Attach Form 5329 if required 59a Household employmeiit taxes from Schedule H
b First-time homebuyer credit repayment Attach Form 5405 if required 60 Other taxes. Enter code(s) from instructions
61 Add lines 55-60. This is your total tax
42
43
44 45 46
55
Payments , If you have a
qualifying child, attach Schedule EIC.
1_ 62 Federal income tax withheld from Forms W-2 and 1099 63 2011 esbmated tax payments and amount applied from 2010 return. 64a Earned income credit (EIC)
b Nontaxable combat pay election *•! 64b| 65 Additional child tax credit. Attach Form 8812 66 67 68 69 70 71 72
American opportunity credit from Form 8853, line 14. First-time homebuyer credit from Form 5405, line 10 Amount paid with request for extension to file Excess social security and tier 1 RRTA tax withheld Credit for federal tax on fuels. Attach Form 4135
Credits from Form: a [^2439 b [ ^ 8839 c [DsSOl d [ ]
Add Ins 62, 63, 64a, & 65-71. These are your total pmts
Refund
Direct deposit? See instructions.
73 If line 72 is more than line 51, subtract line 61 from line 72. This is the amount you overpaid 74 a Amount of line 73 you want refunded to you. If Form 6S88 is attached, checkjiere. - b Routing number | »- c Type: \~\ Checking
d Account number 75 Amount of line 73 you want applied to your 2012 estimated tax *'! 75
Arnount 76 Amount you owe. Subtract line 72 from line 61. For details cn how to pay see instructions You Owe 77 Estimated tax penalty (see instructions). ! 77
Page 2
879. 3,700.
0.
-Third Party Designee
Do you want to allow another person to discuss this return with the IRS (see instructions)?. [X] Yes. Complete below.
nlS""' ' LARRY l-JEISS ^ 818-876-8380 Personal identification number (PIN) •
• NO
S4321
Sign Here Joint return? See instructions. Keep a copy for your records.
Under penalties of periui>', I declare thai I have examined this return and accompanying schedules and statements, and to the best of my knowledge and belief. Ihey are true, correct, and complete. Declaration of preparer (other Lh-3n taxpayer) is based on all information of which preparer has any knowledge.
You(>sfc nature
Spouse's signature. If a joint return, bpth musl sign.
Dat! Your occupation
/g /^V/gi lNSURANCE AGENT Date
Paid Preparer's Use Only
Printn"ype preparer's name
LARRY WEISS
Preparer's signature
Spouse's occupation
Daytime phono number
916-961-8781
Check [ j i f self-employed
If Ihe IRS sent you an Identity Protection PIN,'' enter it ,''.6r8 (see intO
Firm s name - LARRY WEISS CPA Firm'saddress>- 23901 CALABASAS RD STE 2062
CALABASAS, CA 91302-3393
PTlN
P00399150
Firm's EIN - 9 5 - 4 7 2 1 0 3 3 Phoneno. ( 8 1 8 ) 8 7 6 - 8 3 8 0
Form 1040 (2011) FDIA0112L 11/07/1:
FAX COVER SHEET
FAIR OAKS, CALIFORNIA FAX: (916) 961-0321
TO: AMTHQ^y. HAcK^gf?
COMPANY: \imcHOM\n. liom ?{ieiQ(t\iD7iak} VGn.
FROM: DANNY V. SESE (916)718-0135 Cellphone
DATE: ^V^//3
RE: . DAUllQ M. ^(^%(.^. Lorn U 004-^69-31 /
TOTAL # OF PAGES INCLUDING COVER SHEET
THA< i< yo/ j .
DANILO V. SESE, INC.
PROFIT AND LOSS STATEMENT
JANUARY 1, 2013 - MARCH 31, 2013
Gross Income: January
February
March
Total
$ 3,845
$ 8,734
$ 6.530
$ 19,109
Expenses: January
Febmary
March
Total
$ 1,431
$ 2,973
$ 902
S 5,306
Net Income: $ 13,803
CHASEO JPMorgan Chase Bank, N.A. P O Box 659754 San Antonio, TX 78265 - 9754
l,„l|,ll,||,.l„l.,|lll||,||l|.lj|.„.„l,|,..i.lll..,|,.l..|.,. 00000870 DRE 703 722 03213 NNNNNNNNNYN 1 000000017 60 0000
DANILO V SESE, INC DANILO V SESE.OWNER JOSEFINA G SESE, OWNER
January 01, 2013 tiirough Januaiv 31. 2013 Account Number: tfOTHMMMMMI
CUSTOIVIER SERVICE INFORMATION
Web site: Service Center: Deaf and Hard of Hearing: Para Espanol: International Calls:
Chase.com 1-800-242-7338 1-800-242-7383 1-888-522-4273 1-713-262-1679
8781 LONGMORE WAY FAIR OAKS CA 95628-6347
IMPORTANT UPDATES TO THE DEPOSIT ACCOUNT AGREEMENT We vi/ill be making liie following changes to the Deposit Account Agreement for Chase checking and savings accounts, effective March 24, 201.3. We have: - Added the following language to the Important Definitions section: Debit card
transaction: Includes any purchase from a merchant using your ATM card or debit card. - Modified the agreement to clarify lhat we will only send one copy of any notice
relating to your account, even if the account has more than one owner. - Revised our Funds Availability Policy. Under Longer Delays May Apply, we.describe
circumstances where funds may nol be available until the seventh business day after the day of deposit. We are deleting the sentence saying that the first $200 from your deposit will be available on the next business day, so if we delay availability in those cases the delay may apply to the full amount of the deposit.
All other terms of your account agreement remain the same. II you have questions about the changes, please call us at the number on this statement or visit your nearest branch.
CHECKING SUMMARY Chase BusinessSelect Checking
Beginning Balance Deposits and Addilions Checks Paid Electronic Withdrawals Fees and Other Withdrawals Ending Balance
INSTANCES
11
17 2 3
AMOUNT -$0.91
3,845.98 -3,333.18 ' -415.32 - 89.00
33 $7.57
DEPOSITS AND ADDITIONS DATE DESCRIPTION AMOUNT
01/02 Aeilic Ddp Credil 010058060 PPDID: 1421153896 $230.88 01/03 Insufficient Funds Fee Refund 34.00 01/03 Insufficient Funds Fee Refund 34.00 01/03 Aeilic Ddp Credit 010058060 PPDID: 1421153896 836.30 01/08 Natl West Life Inst Bn Pd 75310 3222 PPDID: 1840467208 862.06 01/08 Aeilic Ddp Credit 010058060 PPDID: 1421153896 192.00
Pogo 1 ol 6
CHASE O January 01, 2013 through January 31, 2013
Account Number:
DEPOSITS AND ADDITIONS (continued)
DATE DESCRIPTION AMOUNT
01/09 Aeilic Ddp Credit 010058060 PPDID: 1421153896 145.53
01/16 Aeilic Ddp Credit 010058060 PPDID: 1421153896 973.38
01/23 Aeilic Ddp Credit 010058060 PPDID: 1421153896 66.16
U1/' ;8 Deposit 100.00
Of/28 Aeilic Ddp Credit 010058060 PPDID: 1421153896 371.67
Total Deposits and Addit ions $3,845.98
CHECKS PAID DATE
CHECK NO. DESCRIPTION PAID AMOUNT
1510 01/02 $143.00
1511 ^ 01/02 50.00 1513 01/02 122.25 1515 01/14 74.05 1516 ^ 01/03 275.00 1517 01/14 97.67 1518 01/15 174.10
1519 01/08 01/08 720.00 1520 ^ 01/14 305.00
1521 01/17 10.00 1522 01/22 125.00
1523 01/24 49.53
1524 01/16 01/16 600.00
1525 ^ 01/19 01/22 19000 1526 ^ 01/24 17.58 1527 ^ 01/23 50.00 1528 ^ 01/28 330.00
Total Checks Paid $3,333.18
If you see a description in the Checks Paid section, it means that we received only electronic information about the check, not the original or an image of the check. As a result, we're not able to return the check to you or show you an image.
* Al! of your recent checks may not be on this statement, either because they haven't cleared yet or they were listed on one of your previous statements.
An image of this check may be available for you to view on Chase.com.
ELECTRONIC WITHDRAWALS DATE DESCRIPTION
01/03 Franchise Tax Bo Payments 27416873 Pm PPDID: 1282532045 AMOUNT
$300.00
01/30 AXA Equitable Ins. 091006391Ds PPDID: 1135570651 115.32
Total Electronic Withdrawals $415.32
CHASE O January 01, 2013 through January 31,2013
Account Nuinbor:
FEES AND OTHER WITHDRAWALS DATE
01/02 DESCRIPTION
Insufficient Funds Fee For Check #1513 IN The Amount of $122.25 AMOUNT
S34.00
01/02 Insufficient Funds Fee For Check #1511 IN The Amount of $50.00 34.00
01/31 Service Fee 21.00
TotarFeesf i rOinerWItht i rawafs-
DAILY ENDING BALANCE DATE AMOUNT DATE AMOUNT
01/02 -$153.28 01/17 368.17
01/03 176.02 01/22 53.17
01/08 51008 01/23 69.33
01/09 655.61 01/24 2.22
01/14 178.89 01/28 143.89
01/15 4.79 01/30 28.57
01/16 378.17 01/31 7.57
SERVICE CHARGE SUMMARY You were charged a monthly service fee this month. Your Chase BusinessSelect Checking monthly Service Fee can be waived in five different ways during any statement period:
• Maintain an average dally balance of: $7,500.00. Your average daily balance was $238.00. OR • Maintain a relationship balance of $25,000.00 or more during the statement period. Your relationship balance
was $237.00. OR . • Link a qualifying, personal checking account to your Chase BusinessSelect Checking account. You have no
qualilying personal account linked. OR • Spend al least $1,000.00 on a linked Chase Business Credit Card. You spent $0,00. OR • Pay at least $50.00 In qualifying checking-related sen/ices or fees. You paid $0.00.
See your Account Rules and Regulations or stop in lo see a banker today lo find out more.
TRANSACTIONS FOR SERVICE FEE CALCULATION
Checks Paid / Debits
Deposits / Credits
Deposited Items
Transaction Total
NUMBER OF TRANSACTIONS
19
9
0
28
SERVICE FEE CALCULATION
Service Fee
Service Fee Credit
Net Service Fee
Excessive Transaction Fees (Above 200)
Total Service Fees
AMOUNT
$21.00
$0.00
$21.00
$000
$21.00
CASH PROCESSING
Cash Deposits Immediate Verification
Cash Deposits Post Verification/Night Drop
Cash Deposits Total
Cash Deposits Allowed
AMOUNT
$10000
$0.00
$100.00
$7,500.00
Page 3 of 6
C H A S E O January 01, 2013 through January 31. 2013
Account Number
SERVICE CHARGE SUMMARY (continued)
CASH PROCESSING
Excess Cash Deposits
AMOUNT
$0.00
CHASE© January 01, 2013 through Januaiy 31, 2013
Account Number:
Note: Ensure your checkbook register is up to date with all transactions to date whether they are included on your statement or not.
1. Write in the Ending Balance shown on this statement: Step 1 Balance: $_
2. List and total all deposits & additions not shown on this statement:
Date Announl Dato Amouni Date Amount
Step 2 Tota l : $_
3. Add S t e p 2 Total to Step 1 B a l a n c e . , S tep 3 Tota l : $_
4. L is t a n d total all c h e c k s , ATM wi thdrawals , debit c a r d . p u r c h a s e s and other wi thdrawals not s h o w n on this statement.
Check Number or Date Amouni Check Number or Date Amouni
Step 4 Total: -$_
5. Subtract Step 4 Total from Step 3 Total. This should match your Checkbook Balance: $_
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS: Call or write US at the phono numbor or address on the front of this statement (non-peraonal accounts contact Customer Service) if you think your statement or receipt i.s incorrect or it you need more Information about a transfer listed on the statement or receipt. We musl hear from you no later than 60 days after we sent you the FIRST statement on which Ihe problem or error appeared. Be prepared lo give us the following information:
• Your name and account number • The dollar amount of the suspected error • A description ot the error or transfer you aro unsure of, why you believe It is an error, or why you neod more informalion.
We vAW investigate your complaint and will correct any error promptly. If we take more lhan 10 ljusiness days (or 20 business days for new accounts) to do this, we will credit your account for the amount you think is in error so that you will have uso of the money during the time It takes us to complete our investigation.
IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC TRANSACTIONS:Contact the bank immediately if your statement Is incorrect or if you need more informalion about any non-electronic transactions (checks or deposits) on this statement. If any such error appears, you musl notify Iho bank in wriiing no later than 30 days after the statement was made available to you. For more complete details, see the Account Rules and Regulations or othor applicable account agreement that governs your account.
LENDER JPMorgan Chase Bank, N.A. Member FDIC
Paae 5 of 6
CHASEO January 01, 2013 through January 31. 2013
Account Number:
This Page Intentionally Lefi Blank
Page 6 ol 6
CHASE O JPMorgan Chase Bank, N.A. P O Box 659754 San Antonio, TX 78265-9754
II|l'||ll<>il<ll"l'<l''-|l«l'lllli"llllilllillll>ll<l|llli|ll| Q0QQQO13 DRE 703 062 06013 NNNNNNNNNNN 1 000000012 60 0095
DANILO V SESE, INC DANILO V SESE.OWNER JOSEFINA G SESE, OWNER fl7si I nMrs ylnRF WAY
February 01, 2013 through February 28,2013
Account Number: ^ IMM^VWPVPHHi
CUSTOIVIER SERVICE INFORIVIATION
Web site: Service Center: Deaf and Hard of Hearing: Para Espanol: International Calls:
Chase.com 1-800-242-7338 1-800-242-7383 1-888-622-4273 1-713-262-1679
FAIR OAKS CA 95628-6347
CHECKING SUMMARY Chase BusinessSelect Checking
Beginning Balance
Deposits and Additions
Checks Paid
Electronic Withdrawals
Fees and Other Withdrawals
Ending Balance
INSTANCES
6
12
4
2
AMOUNT $7.57
8,733.82
- 7,974.55
- 838,34
- 159.00
24 -$230.50
The monthly service fee for this accounl was waived because you used af least S50.00 in other checking services during fhe statement period.
DEPOSITS AND ADDITIONS DATE
02/01 DESCRIPTION
Deposit AMOUNT
$300.00
02/04 Fglife Commission 000174695 PPDID: 9133162002 6,366.64
02/11 Deposit 125,00
02/11 Fglife Commission 000174695 PPD ID: 9133162002 1,686.13
02/27 Aeilic Ddp Credit 010058060 PPDID: 1421153896 131.05
02/28 Service Fee Reversal 125.00
Total Deposits and Addit ions $8,733.82
Pago 1 ol 4
C H A S E O Febmary 01, 2013 through February 28, 2013
Account iMumber
CHECKS PAID
CHECK NO.
1529 ^
DESCRIPTION DATE PAID 02/08
AMOUNT
$192.91
1530 ^ 02/07 300,80
1531 09/11 459:60-
1532 02/13 429.00
1534 .*" 02/06 115.70
1535 02/07 200.00 1536 A 02/15 310.77
1537 02/05 4,700.00
1538 ^ 02/25 32.37
1539 ^ 02/09 02/11 200.00
1540 ^ 02/12 888.00
1543 02/28 02/28 125.00
Total Checks Paid $7,974.55
If you see a description in the Checks Paid section, it means that we received only eleclronic information about the check, nol the original or an image of the check. As a result, we're not able lo return the check to you or show you an image.
" All of your recent checks may not be on this statement, either because they haven't cleared yet or they were listed on one of your previous statements.
An image of this check may be available for you to view on Chase.com.
ELECTRONIC WITHDRAWALS DATE
02/04 DESCRIPTION
Franchise Tax Bo Payments 27746304 Pm PPD ID: 1282532045 AMOUNT
$300.00
02/05 American Express ACH Pmt R9129Msp PPD ID: 2005032111 220.00 02/11 Att Payment 085637001 Ivrdu Tel ID: 9864031.003 115.70 02/28 AXA Equitable Ins. 091006391Ds PPD ID: 1135570651 202.64
Total Electronic Withdrawals $838.34
FEES AND OTHER WITHDRAWALS DATE DESCRIPTION
02/27 Nas-Coal 27Feb133509 AMOUNT
$125.00 02/28 Insufficient Funds Fee For A $202.64 Item - Details: AXA Equitable Ins
PPDID: ,1135570651
Total Fees & Other Withdrawals
091006391 Ds
DAILY ENDING BALANCE
34.00
$159.00
DATE AMOUNT DATE AMOUNT
02/01 $307.57 02/12 802.23
02/04 6,374.21 02/13 373,23
02/05 1,454.21 02/15 32,46
02/06 1,338.51 02/25 0,09
02/07 837.71 02/27 6.14
02/08 644.80 02/28 -230.50
02/11 1,69023
CHASE© February 01, 2013 through February 28.2013
Account Number: ^ M M M M H O T W
SERVICE CHARGE SUMMARY TRANSACTIONS FOR SERVICE FEE CALCULATION
Checks Paid / Debits
Deposits / Credits
Deposited Items
"TfarTsactlon"Total
NUMBER OF TRANSACTIONS
16
5
0
-21.
SERVICE FEE CALCULATION
Service Fee
Service Fee Credit
Net Service Fee
Excessive Transaction Fees (Above 200)
Total Service Fees
CASH PROCESSING
Cash Deposits Immediate Verification
Cash Deposits Post Verification/Night Drop
Cash Deposits Total
Cash Deposits Allowed
Excess Cash Deposits
AMOUNT
saoo SO.OO
$0.00
$0.00
$0.00
AMOUNT
$425.00
$0.00
$425.00
$7,500.00
$0.00
Page 3 of 4
CHASE© February 01, 2013 through February 28, 2013
Account Number:
No te : E n s u r e y o u r c h e c k b o o k r e g i s t e r is up to date with all I ransactior is to da le whether Ihey are included on your s tatement or not.
1. Write in the E n d i n g B a l a n c e s h o w n on this statement: S tep 1 B a l a n c e : $_
2. L is t and total all d e p o s i t s &. addi t ions not s h o w n on this statement:
Date Amount Date Amount Date Amouni
3. Add S tep 2 Total to Step 1 B a l a n c e .
Step 2 Total: S _
Step 3 Total : $_
4. L is t and total all c h e c k s , ATM wi thdrawals , debit ca rd p u r c h a s e s and other w i thdrawals not s h o w n on this statement .
Chock Number or Date Amount Check Number or Date Amount
Step 4 Total: -$_
5. S u b t r a c t S tep 4 To ta l f r o m S tep 3 To ta l . T h i s s h o u l d m a t c h y o u r C h e c k b o o k B a l a n c e : $_
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS; Call or write us at the phone number or address on the front of this statement (non-personal accounts contact Customer Sen/ice) if you think your statement or receipt is incorrect or if you need more information about a tran.sfer listed on fhe statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. Be prepared to give us the following information:
• Your name and accounl number • Tho dollar amount of the suspected error • A description of the error or transfer you are unsure of, why you believe il is an error, or v^hy you need moro information.
We will investigate your complaint and will correct any error prompily, if we take more than 10 business days (or 20 business days for new accounts) to do this, we will credit your account for the amount you think Is in error so that you will have use ol the money during the time it takes us to complete our investigation.
IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC TRANSACTIONS:Contact the bank immediately if your statement Is Incorrect or if you need moro Information about any non-electronic transactions (checks or deposits) on this statement. If any such error appears, you must notify the bank in writing no later than 30 days after tho statement was made available to you. For more complete details, see the Account Rules and Regulations or other applicable account agreement that governs your accounL
LENDb-R JPMorgan Chase Bank, N.A. Member FOIC
CHASE O JPMorgan Chase Bank, N.A. P O Box 659754 San Antonio, TX 78265-9754
' l l l i lM i l lM-J '< l '> l l> I l l l> - l | l l l '> " l l l l l 'M i l " l ' l i l> IMl>"
00001248 DRE 703 712 0891.T NNNNNNNNNNN 1 000000007 60 0000
DANILO V SESE, INC DANILO V SESE,OWNER JOSEFINA G SESE, OWNER 8781 LONGA4Qa6-WAY FAIR OAKS CA 95628-6347
March 01, 2013 through March 29, 2013
Account Number:
CUSTOMER SERVICE INFORMATION
Web site:
Service Center Deaf and Hard of Hearing: Para Espanol: International Calls:
Chase.com 1-800-242-7338 1-800-242-7383 1-888-622-4273 1-713-262-1679
We have reduced our Legal Processing Fee.
On March 24, 2013, we reduced the Legal Processing Fee to a maximum of $75 per order. This fee is assessed for the processing of any garnishment, tax levy, or other courl or administrative order against an account. This change will be reflected in your account agreemenl; all other terms remain the same. If you have questions, please call us at Ihe telephone number listed on this statement or visit your nearest Chase branch.
CHECKING SUMMARY Chase BusinessSelect Checking
Beginning Balance
Deposits and Additions
Checks Paid
Electronic Withdrawals. .
Fees and Other Withdrawals
Ending Balance
INSTANCES
9
8
6
5
AMOUNT
-$230.50
6,529.87
•4,615.00
1,001.23
- 123.14
28 $560.00
The monthly service fee for this account was waived because you used at least $50.00 in other checking services during the statement period.
DEPOSITS AND ADDITIONS DATE DESCRIPTION
03/04 Aeilic Ddp Credit 010058060 PPDID: 1421153896
Total Deposits and Addition's
AMOUNT
$165.20
03/05 Aeilic Ddp Credit 010058060 PPD ID: 1421153896 132.65
03/11 Insufficient Funds Fee Refund 34.00
03/11 Fglife Commission 000174695 PPD ID: 9133162002 2,970.22
03/13 Deposit 5.00
03/15 Aeilic Ddp Credit 010058060 PPD ID: 1421153896 314.80
03/25 Sb Insurance Mar Sb13 EFT Cm00005484 PPD ID: 1454656095 2,163.00
03/26 Reversal 30.00
03/29 North American A N Am Annty 6080 OO000D3634 PPD ID: 1362428931 715.00
$6,529-87
Page 1 of 6
CHASE© March 01, 2013 through March 29, 2013
Accounl Number:
CHECKS PAID
CHECK NO.
1541 ^ DESCRIPTION
03/12
DATE PAID
03/12 AMOUNT
S130.00 1542 ^ 03/07 200.00 1544 *A 03/12 03/12 1,940 00
1545 ^ 03/15 250.00
1546 ^ 03/19 65.00
1547 03/25 1,800.00 1548 03/29 03/29 200.00 99675 03/25 30.00
Total Checks Paid $4,615.00
If you see a description in the Checks Paid section, it means that we received only electronic informalion about the check, not the original or an image of the check. As a result, we're not able to return the check to you or show you an image.
' All of your recent checks may nol be on this statsment, either because they haven't cleared yet or they were listed on one of your previous statements.
" An image of this check may be available for you to view on Chase.com.
ELECTRONIC WITHDRAWALS DATE
03/04 DESCRIPTION
Franchise Tax Bo Payments 28096425 Pm PPD ID: 1282532045 AMOUNT
$300.00
03/05 American Express ACH Pmt R9131 Msp PPD ID: 2005032111 220.00 03/11 Atl Payment 672148002Csr1l Tel ID: 9864031003 96.82 03/14 Att Payment 804471001Csr1M Tel ID: 9864031003 66.02
03/26 Att Payment 308684003Mbc1Y Tel ID: 9864031003 115.75
03/28 AXA Equitable Ins. 091006391Ds PPD ID: 1.135570661 202.64
Total Electronic Withdrawals $1,001.23
F E E S AND OTHER WITHDRAWALS DATE
03/04 DESCRIPTION
Insufficient Funds Fee For A $300.00 Item - Details: Franchise Tax Bo Payments Pm PPDID; 1282532045
28096425 AMOUNT
$34.00
03/05 Insufficient Funds Fee For A $220.00 Item - Details; American Express ACH Pmt PPD ID: 2005032111
R9131MSP 34.00
03/07 Insufficient Funds Fee For Check #1542 IN The Amouni of $200.00 34.00
03/07 Extended Overdraft Fee 15.00
03/12 Nas-Coal 27Feb133509 6.14
Total Fees & Other Withdrawals
DAILY ENDING BALANCE DATE
03/04
03/05
03/07
03/11
03/12
AMOUNT
-$399.30
-520.65
-769.65
2,137.75
61.61
DATE
03/13
03/14
03/15
03/19
03/25
$123.14
AMOUNT
66,61
0.59
65.39
0.39
333.39
C H A S E © March 01 , 2013 through March 29. 2013
Account Nurnben
DAILY ENDING BALANCE (continued)
DATE
03/26
03/28
AMOUNT
247.64
45.00
DATE
03/29
AMOUNT
560.00
-SERV-LC£jCHAaGE_SJLIMMARY TRANSACTIONS FOR SERVICE FEE CALCULATION
Checks Paid / Debits
Deposits / Credits
Deposited Items
Transaction Total
SERVICE FEE CALCULATION
Service Fee
, Service Fee Credit
Net Service Fee
Excessive Transaction Fees (Above 200)
Total Service Fees
CASH PROCESSING
Cash Deposits Immediate Verification
Cash Deposits Post Verification/Night Drop
Cash Deposits Total
Cash Deposits Allowed
Excess Cash Deposits
NUMBER OF TRANSACTIONS
13
7
0
20
AMOUNT
$0,00
so, 00 $0.00
$0.00
$0.00
AMOUNT
$5.00
$0.00 $5.00
57,500.00
$0.00
Page 3 ot 6
CHASE© March 01, 2013 through March 29,2013
Account Number:
IMPORTANT INFORMATION FOR CONSUMERS ABOUT YOUR PERSONAL CHASE CHECKING ACCOUNT
WHAT YOU NEED TO KNOW ABOUT OVERDRAFTS AND OVERDRAFT F E E S An overdrafl occurs when you do not have enough monev in vour account to cover a transacfion, hut we pay_il-anyway-Wfl_ can cover your overdrafts in two different ways:
1. We have standard overdraft practices that come with your account. 2. We also offer overdrafl protection plans, such as a link lo a savings or credit card account, which may be less
expensive than our standard overdraft practices. To learn more, ask us about these plans.
This notice explains our standard overdraft practices.
What are the standard overdraft practices that come with my account? We do authorise and pay overdrafts for the following types of transaclions:
• Checks and other transai:lions mads using your checking account number • Recurring debit card transactions
i We do not authprize and pay overdrafts for (he following lype of transaction unless you ask us to: .
• Everyc|ay debit card transactions
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.
If we do not au
What fees Under our
• We wil • Also • There
horize and pay an overdraft, your transaction will be declined.
Will I be charged if Chase pays my overdraft? standard overdrafl practices;
charge you a fee of $34 each time we pay an overdraft, each time your account is overdrawn for 5 consecutive business days, we will charge you an additional $15.
a 3 per day limit on the above $34 fee we can charge you for overdrawing your account.
Page 4 oi 6
CHASE © March 01, 2013 through March 29, 2013
Account Number.
Note: Ensure your checkbook register is up to date with all transactions to date whether they are included on your statement or not.
1. Write in the Ending Balance shown on this statement: Step 1 Balance: $_
2. List and total all deposits & additions not shown on this statement:
Dato Amount Date Amount Date Amount
3. Add S t e p 2 Total to S tep 1 B a l a n c e .
S tep 2 Total : $_
Step 3 Total : $_
4. L is t a n d total all c h e c k s , ATM wi thdrawa ls , debit card p u r c h a s e s and other wi thdrawals not s h o w n on th is statement .
Check Number or Dato Amount Check Number or Dato Amount
Step 4 Total : -$_
5. S u b t r a c t S t e p 4 To ta l f r o m S t e p 3 T o t a l . T h i s s h o u l d m a t c h y o u r C h e c k b o o k B a l a n c e : $_
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS:Call or write us at the phone number or address on the front of this slatement (non-personal accounts contact Customer Service) if you think your statement or receipt is incorrect or if you need more informalion about a transfer listed on the statement or receipt. VJ&, must hear lipm you no.later than 60 days after we sent you the FIRST statement on which the problem or error appeared. Be prejiared to give us the following information:
• Your name and account number • The dollar amount of the suspected error • A description ol the error or transfer you are unsure of, why you believe It is an error, or why you need more information.
We will Investigate your complaint and v/ill correct any error promptly. If we take more than 10 business days (or 20 business days for new accounte) lo do this, v/e will credit your account for the amount you think is in error so that you will have use of Ihe money during the time it takes us to complete our investigation.
IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC TRANSACTIONS:Contact the bank immediately if your statement is Incorrect or if you need more information about any non-electronic transactions (checks or deposits) on this statomenl. If any such error appears, you must notify Ihe bank in writing no later than 30 days after the statenient v/as made available to you. For more complete details, see the Account Rules and Regulations or other applicable account agreement that governs your account.
JPMorgan Chase Bank, N.A. Member FOIC
Page 5 ol 6
C H A S E © March 01, 2013 through March 29, 2013
Account Number;
This Page Intentionally Left Blank
Pogo 6 ot 6
FAX COVER SHEET
FAIR OAKS, CALIFORhnA FAX; (916) 961-0321
TO; /Q^THokiy//-}/3rr(fff
COMPANY: [K}acm\i^^(\.Mom .n(^i\^9MTm ven
FROM:
DAIB:
RE:
DANNY V. SESE (916)718.0135 Cellphone
s f UlS •
TOTAL # OF PAGES 3 INCLUDING COVER SHEET
CHASE© JPMorgan Chase Bank, NA. P O Box 659754 San Antonio. TX 78265-9754
January 01, 2013 through January 31, 2013
Account Number:
CUSTOMER SERVICE INFORMATION
l,„l|,ll,||,.l„l.,jlll||,||l|.l||.„.„l,|,..|.lll..,|,,l..|.,. 00000870 DRE 703 722 03213 NNNNNNNNNYN 1 000000017 60 0000
DANILO V SESE, INC DANILO V SESE.OWNER JOSEFINA G SESE, OWNER
-8-78-1-i=©NGM0RE-WAY FAIR OAKS CA 95628-6347
Web site:
Service Center: Deaf and Hard of Hearing: Para Espanol: International Calls:
Chase.com
1-800-242-7338 1-800-242-7383 1-888-622-4273 1-713-262-1579
IMPORTANT UPDATES TO THE DEPOSIT ACCOUNT AGREEMENT
• We wrill be making the following changes to the Deposit Account Agreement for Chase checking and savings accounts, effective March 24, 2013.
We have: - Added the following language lo the Important Definitions section: Debit card
transaction: Includes any purchase from a merchant using your ATM card or debit card. - Modified the agreement to clarify lhat we will only send one copy of any nolice
relating to your account, even if Ihe account has more than one owner.
- Revised our Funds Availability Policy. Under Longer Delays May Apply, we describe circumstances where funds may not be available until the seventh business day after the day ol deposit. We are deleting the sentence saying that the first $200 from your deposit will be available on the next business day, so if we delay availability in those cases the delay may apply to the full amount of the deposit.
All other terms of your account agreement remain the same. If you have questions about the changes, please call us at the number on this statement or visit your nearest branch.
CHECKING SUMMARY Chase BusinessSelect Checking
Beginning Balance
Deposits and Additions
Checks Paid
Electronic Withdrawals
Fees and Other Withdrawals
Ending Balance
INSTANCES
11
17
2
3
AMOUNT
-$0.91
3,845. 98 _
3,333.18 '
- 415.32
- 89.00
33 $7.57
DEPOSITS AND ADDITIONS DATE DESCRIPTION AMOUNT
01/02 Aeilic Ddp Credit 010058060 PPDID: 1421153895 $230.88
01/03 Insufficient Funds Fee Refund 34.00
01/03 Insufficient Funds Fee Refund 34.00
01/03 Aeilic Ddp Credit 010058060 PPDID: 1421153896 836.30
01/08 Natl West Life Inst Bn Pd 75310 3222 PPD ID: 1840467208 862.06 01/08 Aeilic Ddp Credit 010058060 PPDID: 1421153896 192.00
Page 1 ot 6
CHASE© February 01 , 2013 through February 28, 2013
Accounl Number
Note: Ensure your checkbook register is up to dale with all transactions to date whether they are included on your statement or not,
T~Wrne in the bnding balance shown on this statement: Step 1 Balance: $_
2. List and total all deposits & additions not shown on this statement:
Date Amount Date • Amount Date Amount
3. Add Step 2 Total to Step 1 B a l a n c e .
S tep 2 Total : $_
Step 3 Total : S_
4. L is t and total all c h e c k s , A T M wi thdrawals , debit ca rd p u r c h a s e s a n d other wi thdrawals not s h o w n on this statement.
Check Number or Date Amount Check Number or Dafe Amount
Step 4 Total: -$_
5. Sub t rac t S tep 4 To ta l f r o m S t e p 3 T o t a l , T h i s s h o u l d m a t c h y o u r C h e c k b o o k B a l a n c e : $ _
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS: Call or write us at the phone number or addross on the Ironl of this statement (non-porsonal accounts contact Customer Service) if you think your statement or receipt Is incorrect or if you need more Information about a Iransfer listed on the statement or receipt. We must hear from you no later lhan 60 days after v/e sent you the FIRST statement on vvhich the problem or error appeared. Be prepared to give us the following information;
• Your name and account number • The dollar amount of Ihe suspected error • A description of the error or transfer you are unsuro of. why you believe it is an error, or why you need more information.
We will investigate your complaint and will correct any error promptly. If wc take more than 10 business days (or 20 business days for new accounts) to do this, we will credit your account for the amourit you think is in error so that you will have use of tho money during the lime it takes us to complete our investigation.
IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC TRANSACTlONS:Contact the tank Immediately if your statement is incorrect or if you need more information about any non-electronic transactions (checks or deposits) on this statement. If any such error appears, you must notify the bank in writing no later than 30 days alter the statement was made available to you. For more complete details, see Ihe Account Rules and Regulations or other applicable account agreement that governs your account.
JPMorgan Chase Bank, N.A. Member FDIC
Exhibit 6
Page 1 of 2
WELLS FARGO HOME MORTGAGE RETURN MAIL OPERATIONS PO BOX 10368 DES MOINES IA 50306-0388
05/09/13
„|||,.l,| lpll|H.,||J,,,|l, l„l,l l!..|,(|l, l. l l l ||,.,l|||.l j| l.
1AT 01223/005640/002379 0027 2 AGQ944HP269 512
DANILO V SESE 8781 LONGMORE WAY
"FAIR OAKS, CA 95628^6347 — — —
Account Information Online: Telephone: Correspondence:
Hours of Operations:
L.oan-blunfUier.:. Property Address:
v/ellsfsrgo.com 1-877-371-9959 PO Box 659558 San Antonio, TX 78265-9558 Mon-Fri, 8 AM-10 PM Sat. 8 AM - 5 PM CT
_0D42393Z31 8781 Longmore Way Fair Oaks CA 95628
Subject: Acknowledging receipt of your documentation supporting your request for mortgage assistance
Dear Danilo V Sese:
I'm writing to let you know I've received the documentation you sent us supporting your request for mortgage assistance. And thanl< you for responding to our request.
What happens next We will review the documentation you've submitted. Please keep in mind, there may be additional documents required before we can determine if you're eligible for mortgage assistance. To find out what additional documents we may need from you:
o Refer to the initial package we sent you listing all required documentation, as well as any subsequent correspondence requesting additional documentation,
o Go to wellsfargo.com/modification to see what documents we may still need from you. (Please note: For certain loans, online assistance may not be available. If you receive an error message, please call us at 1-800-678-7986.)
What you need to know about foreclosure for the loan noted above We'll continue to work with you to help you avoid a foreclosure sale. If your loan has not previously been referred to foreclosure and you have submitted all of the required documentation needed to evaluate for an alternative, this loan will not be referred to foreclosure while the application is evaluated. If your loan has been referred to foreclosure and you have submitted all required documentation, we will not conduct a foreclosure sale on this loan while your documents are being reviewed and if allowed by state law and/or investor guidelines.
As part of the foreclosure process, you may receive notices from a third-party attorney delivered by mail . or see steps being taken to proceetj with a foreclosure sale of your home.
I'm here for you If you have any questions or need further assistance, please call the number listed below. A Home Preservation Specialist is available to assist you Monday - Friday 8 AM to 10 PM, and Saturday, 8 AM
wFmo'fC HP26tlS12 5)200')/393731HP269
Pago 2 of 2
Account Information Loan Number: 0047393731
Property Address: 8781 Longmore Way Fair Oaks CA 95628
to 5 PM, Central Time at 1-877-371-9959.
Sincerely,
Anthony Hacker. Home Preservation Specialist Wells Fargo Home Mortgage Ph: 1-877-371-9960 ext. 4472 Fax: 1-800-313-0892
Active Servicemembers The Servicemembers Civil Relief Act (SCRA) may offer protection or relief to members of the military who have been called to active duty. If either you have been called to active duty, or you are the spouse or financial dependant of a person who has been called to active duty, and you haven't yet made us aware of your status, please contact our Military Customer Service Center at 1-866-936-SCFlA (1-866-936-7272) or fax your Active Duty Orders to 1-877-658-4585, attention Special Loans/SCRA.
Get free counseling to help manage expenses and avoid foreclosure Reach out to a local HUD-approved, non-profit housing counseling agency if you're struggling to keep up with monthly expenses, or want help to avoid foreclosure. At no cost, a counselor will work closely with you, providing the information and assistance you need. To find an agency near you, go to wwv/.hud.aov/offices/hsq/sfh/hcc/fc. Or call 1-800-569-4287. You can also call the HOPE Hotline at 1-888-995-HOPE.
Be sure you avoid anyone who asks for a fee for counseling or a loan modification, or asks you to sign over the deed to your home, or to make your mortgage payments to anyone other than Wells Fargo Home Mortgage.
This communication is an attempt to collect a debt and any information obtained will bo used for that purpose. However, if you have recaived a discharge of this debt in bankruptcy or are currently in a bankruptcy case, this notice is not Intended as an attempt to collect a debt, and we have a security interest in the property and will only exercise our rights as against the property.
With respect to those loans located in fhe State of California, the state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or afler 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not usa false or misleading statements or cali you at work if they kncM or have reason to know that you may not receive personal calls at work. For tho most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-fn'C-HELP orvAVW.ftc.gov.
Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2013 Weils Fargo Bank, N.A. All righls reserved. Equal Housing Lender. NMLSR ID399801
512n0"17:i93731HP269
Exhibit 7
IIECORDING REQUESTED BY And When Recorded Mail To:
CAL-WESTERN RECONVEYANCE CORI'ORATION 525 EAST MAJN STREET P.O. BOX 22004 EL CAJON CA 92022-9004
APN: 246-0493-002-0000 Trustee Sale No. 1379715-31 Space Above This Line For Recorder's Use
NOTICE OF TRUSTEE'S SALE [ATFENTION RECORDER: PURSUANT TO CIVIL CODE §2923.3, THE SUMMARY OF INFORMATION REFERENCED BELOW IS NOT ATTACHED TO THE RECORDED COPY OF THIS DOCUMENT BUT ONLY TO THE COPIES PROVIDED TO THE TRUS'l'OR.]
NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT AITACHED
NOTA: SE AUJUN TA UN RESUMEN DE LA INFORiMAClON DE ES'JE DOCUMENTO TALA: MAYROONG BUOD NG IMPORiMASYON SA DOKUMENTONG ITO NA NAKALAKJP
LUXl Y: KEM THEO DAY LA BAN TRINH BAY TOM LUOC VE THONG TIN TRONG TAI LIEU NAY
TRA:54402 REF: SESE, DANILO UNVER
Property Address: 8781 LONGMORE WAY, FAIR OAKS CA 95628-6347
IMPORTAJVT ^NOTICE TO PROPERTY OWNER:
YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED October 03,2007. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER
On June 04,2013, at 10:00am, CAL-WESTERN RECONVEYANCE CORPORATION, as duly appointed trustee under and pursuant to Deed of Tnast recorded October 15, 2007, as InsL No. XX, in book 20071015, page 1763, of Official Records in the office ofthe County Recorder of SACRAMENTO County, State of CALIFORNIA executed by: DANILO V. SESE, A MARRIED MAN
WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER'S CHECK DRAWN ON A STATE OR NATIONAL BANK, A CHECK DRAWN BY A STATE OR FEDERAL CREDIT UNION, OR A CHECK DRAWN BY A STATE OR FEDERAL SAVINGS AND LOAN ASSOCIATION, SAVINGS ASSOCL\TION, OR SAVINGS BANK SPECIFIED IN SEC'l'ION 5102 OF THE FINANCIAL CODE AND AUTHORIZED TO DO BUSINESS IN THIS STATE: AT THE EAST MAIN ENTRANCE TO THE COUNl^Y COURTHOUSE, 720 9TH STREET, SACRAMJENTO, CALIFORNIA
all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: COMPLETELY DESCRIBED IN SAID DEED OF TRUST
NOS.DOC PagB l of 2
P.O. Box 23040 San Diego, CA 92193-3040
EMPORTANT INFORMATION ENCLOSED
71 TbTDO D E S 3 fit.37 M
Mailed On: Reference Number: Mailing Number:
May 15, 2013 1379715-31 1950480-01 ClientID: CWR CE
DANILO V SESE 8781 LONGMORE WAY FAIR OAKS CA 95628
Pursuant to the requirements contained in section 2924b of the Civil Code of the State of Califomia, we enclose a copy of the Notice of Trustee's Sale, and, pursuant to the requirements contained In section 2923:3 of the Ciyil Code of the State of California/ we enclose'a copy of the" Siirnniary of the Motice of Trustee's Sale, in art-envelope and wilh postage prepaid.
You will please observe that this copy of the Notice of Trustee's Sale is mailed within the statutory time limit.
Thank you.
CAL-WESTERN RECONVEYANCE CORPOF?ATION
Enclosures
NOSMTCA Rev. 04/01/13 Cal-VVesteru Reconveyance Coiporation
525 East Main Street, Ki Cajon, California 92020 •P.O. Box 22004, EI Cajon, California 92022-9004 l EL: (619) 590-9200 .FAX: (619) 590-9299 • Website: www.cwrt.com
fl3|-o| ^ ^ ^ L F ^ June 04. 2013 at 10:00am (Dfl4 'MX[ A|^F) (Date antd time of sale) o | AT THE EAST MAIN ENTRANCE TO THE COUNTY COURTHOUSE. 720 9TH STREET. SACRAMENTO. CALIFORNIA ( u m S"^) (Location of sale) o U i •H^'-£|7|^ ^ g O j
A-l|g£|o-joh i. u|cF. oH^ °J7:[7\: ^y\E\9i^ x\, ziBU sU&E|t ol ^7|S D|] | joj.7:l-j°!_AJ-^hojUH.5li-gtaJ^L5^^ (Telephone number for information regarding the trustee's sale) ^isFtl-A|7HL|- ££fe ^A1-0|M ^ r t WWW.RPPSALES.COM ( ^ ¥ S ^ ^ S | 0| [0 | ^It,!" ^ tW ei&iyi ^ A | - 0 | E ) (Internet website address for information regarding the sale ofthis property) # o''-^§t] ^ Al-E | Hl|S nF^ "d 1379715-3t.fAh5ti ii[-^..HH:i.) (Case file number)# A|-§fFA|gj HulcF,
•H^ 7iz]-o| <2j7i 5Efe A| l-o | ^ - i-fe oj7ife SM e.Ll| titi-Lh •ijzi- o:||s oii -L'ua. ^ a AHoj 7 5o| AMg 4§(.Aife g , 6i9-590-9200 ( t j s F y ^ ) (Telephone-number) ( o ) ^ 5^t^3^A|°d S L [ | C s j^ jc j .
Spanish Translation
AVISO DE VENTA (Notice of Sale) RESUMEN DE LA INFORMACION CLAVE (Summary of Key Information)
El aviso de venta adjunto se envio a DANILO V. SESE. A MARRIED MAN(Fldeicomltente)(Trustor), en relacion con COMPLETELY DESCRIBED IN SAID DEED OF TRUST(Descripci6n de la propiedad que garantiza la hipoteca o escritura de fideicomiso en mora) (Description of property that secures the mortgage or deed of trust in default)
USTED HA INCUMPLIDO LOS TERMINOS DE UNA Deed of Trust (Escritura de fideicomiso o hipoteca)(Deed of trust or mortgage) DE FECHA October 03. 2007^Date). SI NO TOMA MEDIDAS PARA PROTEGER SU PROPIEDAD, PODRA SER VENDIDO EN UNA SUBASTA PUBLICA.
SI USTED NECESITA QUE LE EXPLIQUEN LA NATURALEZA DEL PROCEDIMIENTO EN SU CONTRA, DEBE CONSULTAR A UN ABOGADO.
El importe total adeudado correspondiente al aviso de venta es $355.551.82.(Total amount due In the notice of sale)
La subasta de la propiedad se ha programado para el dfa June 04. 2013 at 10:00am(Fecha y hora de la subasta) (Date and time of sale) en AT THE EAST MAIN ENTRANCE TO THE COUNTY COURTHOUSE. 720 9TH STREET. SACRAMENTO. CALIFORNIA.(Luaar de la subasta) (Location of sale)
No obstante, conforme al Articulo 2924g del Codigo Civil de California, la fecha de la subasta que figura en el aviso adjunto podra ser postergada una o m^s voces por el acreedor
} NOS 1599 Page 5 of 8
isinangia, benepisyaryo, pinagkatiwalaan, o ng korte, alinsunod sa Seksyon 2924g ng Kodigong Sibil ng California. Hinihiling ng batas na ang impornasyon tungkol sa mga pagpaantala sa pagbebenta ng pinagkatiwalaan ay handang maibigay sa inyo at sa publiko, bilang isang kagandahang-loob doon sa mga hind! makakadalo sa bentahan. Kung nais ninyong malaman kung naantala ang inyong petsa ng pagbebenta, at kung naaangkop, ang natakda muli na oras at petsa sa bentahan ng ari-arian, maaari kayong tumawag sa (619)590-1221 (Ang numero ng telepono para makakuha ng impormasyon hinggil sa pagbebenta ng pinagkatiwalaan) (Telephone number for information regarding the trustee's sale) o bumisita dito sa Internet Web site address WWW.RPPSALES.COM(Anq Internet website address para makakuha ng impormasyon hinggil
-sa-agbebanta-pg-ari-arian na itQ)(lnteri]fiLw£bsite-addj:es£_fojLinformation regarding the sale ofthis property) gamit ang numero ng file na itinalaga sa kasong ito 1379715-31.(numero ng file ng kaso) (case file number) Impormasyon tungkol sa mga pagpaaantala sa loob ng maikling panahon o maaaring maganap kalapit ng itinakdang pagbebenta ay maaaring hindi kaagad masaad sa impormasyon mula sa telepono o sa Internet Web site. Ang pinakamainam na paraan upang mapatotohanan ang impormasyon sa pagpaaantala ng petsa ay ang pagdalo sa nakatakdang petsa ng bentahan.
Kung nais ninyo ng karagdagang mga kopya ng buod na ito, maaari ninyong makuha ang mga ito sa pamamagitna ng pagtawag sa 619-590-9200.Hlaoav ang numero ng telepono) (Telephone number)
Vietnamese Translation
T H O N G BAO BAN BAN TRiNH BAY TOM LU'OC ve THONG TIN CHINH
Thong bao rao ban kem theo du'p'c giii tal cho DANILO V. SESE. A MARRIED MANfBen uy thac), trong m6i quan he vcyi COMPLETELY DESCRIBED IN SAID DEED OF TRUSTfmo ta can nha the chap cho khoan vay th§ chap mua nha hoac khe u'O'c ijy thac bi vi phgm)
QUY VI VI PHAM QUI OINH GHI THEO Deed of Trust(ke u-ac uy thac hoac hop d5ng vay th§ chap mua nha) NGAY October 03. 2007. TRU' KHI QUY VI CO HANH DONG BAO V £ CAN NHA CCJA QUY V!, CAN NHA C 6 T H £ Bj BAN CONG KHAI.
NEU QUy VI CAN MOT PHAN GIAI THICH Vfe TINH CHAT CGA THU TUC C H 6 N G LAI QUY V!, QUY V! NEN LIEN LAC V O I LUAT SU'.
Toan bg so tien phai tra trong thong bao ban la $355.551.82.
Can nha cija quy vi du'p'c diJ" kien se ban vao June 04. 2013 at 10:00am(naav va gia rao ban) tai AT THE EAST MAIN ENTRANCE TO THE COUNTY COURTHOUSE. 720 9TH STREET. SACRAMENTO. CALIFORNIA.f(?ia dikm b^n)
Tuy nhien, ngay ban ghi trong thong bao ban kem theo c6 th§ bi tri hoan mot hoac nhieu lln bd\ ben cho vay the chap, ngu-ai thu hu'iD'ng, ngu'oi 6ieac uy quyen, hoac toa an, chieu theo Myc 2924g ciJa BQ Luat Dan SIJ* California. Luat phap qui dinh thong tin ve cac tru-ong hqnp tri hoan ban nha cija ben du'p'c uy quyen phai du'p'c cung cap cho quy vj va cong chung, de cap nhat
; NOS1599 Page 7 ofS
Exhibit 8
May 14, 2013 Loan Number; 0047393731
Danilo V Sese 0781 Longmore Way Fair Oaks, CA 95628 6347
Subject: A d d i t i o n a l documentation needed f o r your request f o r mortgage assistance
Dear Danilo V Sese :
I'm w r i t i n g t o f o l l o w up with you on your recent request f o r mortgage assistance. • As your home preservation s p e c i a l i s t and dedicated p o i n t of contact, I'd l i k e to thank you f o r responding t o our req\ie.st f o r documentation. You have requested consideration f o r a T r i a l Period Plan under the federal government's Home Affordable M o d i f i c a t i o n Program (HAT P) ; however, you have not provided a l l of the documentation p r e v i o u s l y requested. Our home preservation team has reviewed the documents you've submitted, and we cannot yet determine i f you are e l i g i b l e f o r mortgage assistance. I n order t o meet the documentation requirements, I must receive the a d d i t i o n a l docuirie.ntation l i s t e d lielow by June 13, 2013. Once a l l of the requested documents are received, we w i l l review your request according to HAMP guidelines and have a decision w i t h i n 30 days.
L i s t e d below are items t h a t are needed:
( ) Request f o r Mortgage Assistance completed, signed and dated. ( ) IRS form 450S-T completed, signed and dated. ( ) .Freddie Mac Financial Worksheet. ( .) Most recent pay stubs covering a 30 day period and in c l u d i n g
year-to-date earnings, (x) Most recent q u a r t e r l y , or year.Tto-date. p r o f i t and loss .statement
(P&L). { ) Most recent award l e t t e r or be n e f i t s statement f o r Social
Security, d i s a b i l i t y / s u r v i v o r ' s b e n e f i t s , pension or p u b l i c assistance.
{ ) Divorce decree, separation agreement, court decree or l e g a l agreement w i t h a court- t h a t provides f o r the pa>'ment of alimony or c h i l d support and states the amount of the award, i f using as q u a l i f y i n g income.
( ) Two most :recent bank statements or deposit advices (with a l l pages) r e f l e c t i n g r eceipt of the payment or two most recent canceled re n t checks i f documenting r e n t a l income.
{ ) Current signed and. dated lease agreement ( i f Schedule E i s not a v a i l a b l e ) .
( ) Proof of Occupancy (bank statement, u t i l i t y b i l l , c e l l phone b i l l , or other documentation).
( ) Homeowners/Condo Association Dues Documentation. ( ) Unemployment Benefits L e t t e r . ( ) Death c e r t i f i c a t e . ( ) W2s. ( ) L e t t e r ( s ) of Explanation ( ) Non-Borrower Occupant C e r t i f i c a t i o n Form completed, signed
and dated.
LH303 018 AEL
Danilo V Sese 0047393731 ' May 14, 2013 Page 2
(x) Otiier: L e t t e r .of Explanation (LOE)-V;hy didn't borrower f i l e business 2011 taxes? LOE-Does borrower s t i l l own 100% of the company? LOE-In expenses d i d borrower include wages t o self? LOE-What i s the $10,7U8 under assets?
Immediate a c t i o n required -- please send us the documents .qn wp fan-pT-ncf-v' < ynur i n rnnn,--iti nn and dpjtf'rmi n° your e l i g i b i l i t y t o r mortgage assistance, please send us the requested documents r i g h t away, please note: I t ' s very important that we receive the requested document (s) no l a t e r than June 13, 2013.1 We may not be able t o stop foreclosure proceedings on your mortgage before your documentation i s received.
Please submit the required documents using the f o l l o w i n g information and be sure to include your loan number: Fax: 1-800-313-0892 Home Preservation P.rocessing Mail: Home Preservation Processing
Mail Code T7408-016 4101 Wiseman Blvd San Antonio, TX 78251
What happens i f we do not receive your documentation Please understand t h a t we want to help you. I f we do not receive the requested documerits, we cannot determine i f you're e l i g i b l e f o r mortgage assl.stance.
As a rem.inder, i t ' s important f o r you to continue making your regular mortgage payments u n t i l you hear from us about your e l i g i b i l i t y f o r t h i s program.
A f t e r we ensure t h a t we have a l l the documents we need, we w i l l review and'validate tiidse mate'ri you' re e l i g i b l e f o r a loan " modi f i c a t i o n . Please note, the information i n the documents must be the most recent you have a v a i l a b l e , and can only be used Cor 90 days from the date we receive them. o I f you.are e l i g i b l e and the modi f i c a t i o n requires a t r i a l p e riod plan,
you w i i l receive i n s t r u c t i o n s regarding a new t r i a l payment amount. Once you meet a l l requirements of the t r i a l , you w i l l receive a f i n a l loan m o d i f i c a t i o n agreement adju s t i n g the terms of the mortgage.
o I f you are e l i g i b l e and the m o d i f i c a t i o n does not require a t r i a l period, plan, ' you w. i l l receive a. f i n a l loan m.odification agreement ad j u s t i n g the terms of your mortgage.
o I f you're not e l i g i b l e f o r a loan m o d i f i c a t i o n program, w e ' l l look at other options t o help you avoid foreclosure.
What you need to know about, foreclosure f o r the loan referenced above We'll continue to work w i t h you to help you avoid a foreclosure sale. I f your loan has not previously been r e f e r r e d t o foreclosure and you have submitted a l l of the required documentation needed t o evaluate f o r an a l t e r n a t i v e , t h i s loan w i l l not be r e f e r r e d t o foreclosure while the ap p l i c a t i o n i s evaluated. i f your loan has been r e f e r r e d t o foreclosure, v/e w i l l not conduct a foreclosure sale on t h i s loan while your documents are being reviewed and i f allowed by s t a t e law and/or investor guideline.^.
As p a r t of the foreclosure process, you may receive notices from a t h i r d - p a r t y attorney d e l i v e r e d by mail or see steps being taken to proceed w i t h a foreclosure sale of your home.
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Danilo V Sese 0047393731 May 14, 2013 Page 3
Please note: Depending on when we receive the a d d i t i o n a l documentation required f o r our review, we may not be able t o stop a pending foreclosure sale or postpone an i n i t i a l foreclosure sale date Cor the loan referenced above. I f you do not send us a l l the required documentation requested i n t h i s l e t t e r , you- may not be e l i g i b l e f o r a l t e r n a t i v e foreclosure prevention options, and foreclosure proceedings w i l l continue.
Important information f o r you to know o You have a r i g h t t o receive a copy of the appraisal report or other
,ir>f:nT-.nr.i--:nn wr, may ngp f n hpip determine the value of vour mortgaged property when you apply f o r a loan m o d i f i c a t i o n . A f t e r you are n o t i f i e d of the a c t i o n taken on your a p p l i c a t i o n , please send a w r i t t e n request t h a t includes your name, loan number and d e l i v e r y address t o : Wells Fargo Home Mortgage, PO Box 659S58, San Antonio, TX 78265-9558, Fax number: 210-509-1174. We must receive your request no l a t e r than 90 days a f t e r you are n o t i f i e d of the a c t i o n taken on your a p p l i c a t i o n , or a f t e r you withdrew your a p p l i c a t i o n . We w i l l f u l f i l l a request f o r appraisal i n f o r m a t i o n at any time i f you l i v e i n , or i f the property i s located i n , Arizona or Rhode Island.
o When you become past due on your mortgage payments, i t ' s important t o understand that the actions you take t o correct the s i t u a t i o n can a f f e c t your c r e d i t score. As you look i n t o d i f f e r e n t options, you'11 f i n d t h a t each may have a negative impact on your c r e d i t score, but l i k e l y t o a d i f f e r e n t degree. Keep i n mind t h a t the degree of impact t o your c r e d i t score depends on your o v e r a l l c r e d i t circumstances and i s d i f f e r e n t f o r each i n d i v i d u a l .
I f I can be of f u r t h e r assistance, please c a l l the number l i s t e d below. A Home Preservation S p e c i a l i s t i s a v a i l a b l e to as s i s t you Monday-Friday, 8 AM t o 10 PM, and Saturday, 8 AM to 5 PM, Central Time at 1-877-371-9959.
Sincerely. ANTHONY HACKER Home Preservation S p e c i a l i s t Wells Fargo Home Mortgage Ph: 1-877-371-9960 Ext: 4472
Fax: 1-800-313-0892
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Active Servicemembers The Servicemembers C i v i l R e l i e f Act (SCRA) may o f f e r p r o t e c t i o n or f e l l e f t o members of the m i l i t a r y who have been c a l l e d t o a c t i v e duty. I f e i t h e r you have been c a l l e d t o active duty, or you are tlie spouse or f i n a n c i a l dependent of a person who has been c a l l e d t o a c t i v e duty, and you haven't yet made us aware of your status, please contact our M i l i t a r y Customer Service Center at 1-866-936-SCRA (1-866-936-7272) or fax your Active Duty Orders t o 1-877-658-4585, a t t e n t i o n Special T.oans/SCRA.
Get f r e e counseling t o help manage expenses and avoid foreclosure Reach out t o a l o c a l HUD-approved, n o n - p r o f i t housing counseling agency i f you're s t r u g g l i n g t o keep up w i t h monthly expenses, or want help t o avoid foreclosure. At no cost, a.counselor w i l l work cl o s e l y with you, prov i d i n g the information and assistance you need. To f i n d an agency near you, go t o www.hud .gov/of f ices/hsq/sfii/hcc/fc o.r c a l l 1-800-569-4287. You can also c a l l the HOPS Hotline at 1-888-995-HOPE.
Be sure you avoid anyone who asks f o r a fee f o r counseling or a loan m o d i f i c a t i o n , or asks you to sign over the deed to your home, or to make your mortgage payments t o anyone othe:r than Wells Fargo Home Mortgage.
Please be advised that Wells Fargo Home Mortgage i s attempting to c o l l e c t a debt and any information obtained w i l l be used f o r that purpose. I f you are c u r r e n t l y i n bankruptcy or your debt has been discharged i n bankruptcy, Wells Fargo Home Mortgage i s exerci.'sing i t s r i g h t s against the property and i s not attempting- t o hold you personally l i a b l e on the Note. We may report information about your account t o c r e d i t bureaus. Late payments, missed payments, or other defaults on your account may be r e f l e c t e d i n your c r e d i t report.
With respect t o loans secured by property located i n the St.ite of C a l i f o r n i a , the state Rosenthal Fair Debt C o l l e c t i o n Practices Act and the f e d e r a l Fair Debt C o l l e c t i o n Practices Act require t h a t , except under unus-ual circumstances,'' c o l l e c t o r s may "nof contact you -before S a.m. or a f t e r 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or c a l l you at work i f they know, or have reason t o know, that you may not receive personal c a l l s a t work. For the most p a r t , c o l l e c t o r s may not t e l l another person, other than your attorney or spouse, about your debt. Collectore may contact another person t o confirm your l o c a t i o n or enforce a judgment. For more Information about debt c o l l e c t i o n a c t i v i t i e s , you may contact the Federal Trade Commission at l-877-FTC-HSLP or vjww.ftc.gov.
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Aldon L . Bolanos, Esq., SBN. 233915 Law O f f i c e s of Aldon L . Bolanos, Esq. Sac2:amento, CA 95814 PH. 916.446.2800 Fx. 916.446.2828 www.aldonlaw.com
Attorneys f o r P l a i n t i f f Dani lo SESE
D ekOORSED
l 3 j n - 3 HUI: Oil
LE6AL i'ROCESS #6
State of California
County of Sacramento
Danilo SESE,
P l a i n t i f f ,
vs.
Wells Fargo Bank, N.A.,
Defendant.
Case No. 34-2013-00144287
Declaration of Aldon L. Bolanos, Esq.
Date: July 1, 2013 Time: 2:00 p.m. Dept: 53
I , Aldon L, Bolanos, Esq., declare as f o l l o w s :
1. I am lead t r i a l counsel f o r the p l a i n t i f f i n t h i s
a c t i o n and make, t h i s d e c l a r a t i o n on my own personal
knowledge. I f c a l l e d I could and would t e s t i f y
competently t o everything contained herein.
2. Recently, my o f f i c e was p r i v i l e g e d t o obtai n the
f i r s t order of i n j u n c t i v e r e l i e f i n C a l i f o r n i a h i s t o r y
to h a l t the foreclosure sale of a home under the
C a l i f o r n i a Homeowner B i l l of Rights.
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3. I n the Court's Memorandum and Order, i t found
compellingly persuasive the f a c t t h a t the bank never
issued any l e t t e r s t a t i n g t h a t the m o d i f i c a t i o n had
been r e j e c t e d or denied p r i o r t o commencing fo r e c l o s u r e
proceedings through the recording of a not i c e of
d e f a u l t or no t i c e of tr u s t e e ' s sale.
4. The court also found t h a t because we were
enforcing an important p u b l i c r i g h t and i n t e r e s t , t h a t
the bond requirement would be met w i t h a bond of one
thousand d o l l a r s .
5. Foreclosure bonds are d i f f e r e n t from other bonds,
such as c o n s t r u c t i o n bonds, because i n my experience
the licensed C a l i f o r n i a bond companies are u n w i l l i n g t o
underwrite such bonds. Generally t h i s i s due t o the
lack of any c o l l a t e r a l f o r the bond, such as a
property, which i s already subject t o f o r f e i t i n the
underlying a c t i o n f o r which the bond i s sought. For
t h i s reason, p a r t y l i t i g a n t s are g e n e r a l l y r e q u i r e d t o
post the f u l l amount of any bond imposed. For many
ordinary people, t h i s i s simply not f e a s i b l e as t h e i r
j o i n t incomes bar e l y provide s u f f i c i e n t remuneration t o
cover t h e i r monthly expenses, i n c l u d i n g s h e l t e r and
sustenance.
6. A t r u e copy of the court's order g r a n t i n g the
f i r s t p r e l i m i n a r y i n j u n c t i o n under the Homeowner B i l l
of Rights i s attached hereto as E x h i b i t 1. As i t i s a
fe d e r a l court case, i f the matter now pending before
t h i s court r e s u l t s i n a p r e l i m i n a r y i n j u n c t i o n being
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granted, i t would be the f i r s t such i n j u n c t i o n under
the Homeowner B i l l of Rights ever issued by a
C a l i f o r n i a c o u r t .
I declare on penalty of p e r j u r y under the laws of
the State of C a l i f o r n i a t h a t the foregoing i s t r u e and
c o r r e c t , so help me God.
Dated: June 2013
Aldon L. Bolanos, Esq.
E x h i b i t 1
Case 2:13-cv-00729-MCE-AC Document 22 Filed 05/02/13 Page 1 of 5
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UNITED STATES DISTRICT COURT
EASTERN DISTRICT OF CALIFORNIA
KEVIN SINGH,
Plaintiff,
V.
BANK OF AMERICA, N.A., RECONTRUST COMPANY,
Defendant.
No. 2:13-cv-00729-MCE-AC
MEMORANDUM AND ORDER
On April 15, 2013, Kevin Singh ("Plaintiff') filed this action against Bank of
America ("BoA") and ReconTrust. Plaintiffs Complaint alleges BoA engaged in loan
modification discussions with Plaintiff while ReconTrust simultaneously advanced the
foreclosure process in contravention of California's Homeowners Bill of Rights. On
April 17, 2013, the Court granted Plaintiffs Application for Temporary Restraining Order
("TRO") preventing Defendant from selling Plaintiffs home on April 22, 2013. (EOF
Nos. 9, 11). On April 29, 2013, the Court held a preliminary injunction hearing. At issue
was whether Defendant should be enjoined from foreclosing on Plaintiffs home
throughout the litigation. At the hearing, the Court orally GRANTED Plaintiffs
Application for a Preliminary Injunction for the reasons described below. (ECF No. 14.)
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Case 2:13-cv-00729-MCE-AC Document 22 Filed 05/02/13 Page 2 of 5
1 BACKGROUND
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3 ReconTrust is a subsidiary of BoA. ReconTrust provides mortgage default
4 services to BoA. Plaintiff owns real property and improvements thereon located in West
5 Sacramento, Califbrnia, which is located within the Eastern District of California
6 (hereinafter referred to as "the property" unless specified otherwise). The property was
7 purchased by Plaintiff with a loan obtained through BoA and evidenced by a promissory
8 note. (ECF No. 5-2.) The promissory note is secured by a deed of trust which is
9 recorded against the property. Plaintiff defaulted on the loan in 2008. (Id.) In 2012,
10 Plaintiff and BoA began negotiating a modification of the loan that would allow plaintiff to
11 remain current on his obligation. (Id.) During the negotiations, Plaintiff provided BoA
12 detailed information about Plaintiffs financial situation in exchange for the possibility of a
13 lower monthly payment and interest rate. BoA has not made a written determination as
14 to whether Plaintiff qualifies for a loan modification. (ECF No. 10.) Even though Plaintiff
15 and BoA were negotiating a loan modification, ReconTrust went ahead with the
16 foreclosure process.
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18 ANALYSIS
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20 A preliminary injunction is an extraordinary remedy, and Plaintiffs have the burden
21 of proving the propriety of such a remedy by clear and convincing evidence. See
22 Granny Goose Foods. Inc. v. Brotherhood of Teamsters & Auto Truck Drivers, 415 U.S.
23 423, 442 (1974). The party requesting preliminary injunctive relief must show that "he is
24 likely to succeed on the merits, that he is likely to suffer irreparable harm in the absence
25 of preliminary relief, that the balance of equities tips in his favor, and that an injunction is
26 in the public interest." Winter v. Natural Resources Defense Council, 555 U.S. 7, 20
27 (2008); Stormans, Inc. v. Selecky. 586 F.3d 1109. 1127 (9th Cir. 2009) (quoting Winter).
28 ///
2
Case 2:13-cv-00729-MCE-AC Document 22 Filed 05/02/13 Page 3 of 5
1 Plaintiffs Complaint alleges that the Court has diversity jurisdiction. In
2 Defendant's Opposition, Defendant argues the Court does not have jurisdiction to hear
3 this suit because the parties are not completely diverse. (ECF No. 16.) Under 28 U.S.C.
4 § 1332(a), diversity jurisdiction exists where the amount in controversy exceeds $75,000
5 and no defendant party shares citizenship in the same state as Plaintiff. Exxon Mobil
6 Corp. V. Allapattah Sen/s.. Inc. 545 U.S. 546, 553 (2005) (citing Strawbridqe v. Curtiss.
7 3 Cranch 267, 2 L. Ed. 435 (1806)). Article III courts are courts of limited jurisdiction,
8 and are presumptively without jurisdiction over civil actions. Kokkonen v. Guardian Life
9 Ins. Co. of Am.. 511 U.S. 375, 377 (1994). The burden of establishing the contrary rests
10 upon the party asserting jurisdiction. Jd. In BoA's Opposition and at the hearing, BoA's
11 counsel asserted that ReconTrust is a citizen of California which destroys the complete
12 diversity citizenship requirement under 28 U.S.C, section 1332(a). At the hearing, the
13 Court expressed concern over BoA's lack of admissible proof that ReconTrust's "main
14 office" is located in California. Regardless, Plaintiff agreed to dismiss Defendant
15 ReconTrust within two days of the hearing to prevent the Court from dismissing the
16 entire case for lack of subject matter jurisdiction. On April 30, 2013, Plaintiff filed a
17 Notice of Voluntary Dismissal. (ECF No. 21.) Now, Bank of America, a citizen of North
18 Carolina, is the remaining Defendant and it is diverse from Plaintiff, a citizen of
19 California. Thus, the Court has diversity jurisdiction to hear this case.
20 BoA and other leriders' practice of negotiating with homeowners in default on their
21 loans for a loan modification while simultaneously advancing the foreclose process is
22 commonly referred to as "dual tracking." Dual tracking has been heavily criticized by
23 both state and federal legislators. In July 2012, California passed legislation referred to
24 as "The California Homeowner Bill of Rights" which prohibits dual tracking. As of
25 January 1, 2013, "The California Homeowner Bill of Rights went into effect and it offers
26 homeowners greater protection during the foreclosure process. Cal. Civ. Code
27 § 2923.6(b) (2013).
28 ///
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Case 2:13-cv-00729-MCE-AC Document 22 Filed 05/02/13 Page 4 of 5
Section 2923.6(b) states "it is the intent ofthe legislature that the mortgage servicer offer
the borrower a loan modification or work out a plan if such a modification or plan is
consistent with its contractual or other authority." The statute further provides that "if a
borrower submits a complete application for a first lien loan modification . . . the
mortgage servicer. . . shall not record a notice of default or notice of sale, or conduct a
trustee's sale, while the complete first lien loan modification application is pending." Cal.
Civ. Code § 2923.6(c) (2013).
At the preliminary injunction hearing. Plaintiff maintained that BoA never
responded to Plaintiffs complete application for a first lien loan modification. BoA does
not dispute Plaintiff's assertion. Neither Plaintiff nor BoA provided the Court with any
new evidence at the preliminary injunction hearing. Because BoA has failed to respond
to Plaintiff's application for a first lien loan modification after January 1, 2013, section
2923.6 applies to this case and prevents BoA from conducting a trustee's sale while
Plaintiffs application for a first lien loan modification is pending.
15 Accordingly, Plaintiff has adequately shown he is likely to succeed on the merits
16 in light of California's new Homeowners' Bill of Rights. Plaintiff has also met the
17 remaining factors ofthe preliminary injunction standard. Plaintiff has demonstrated that
18 Plaintiff will suffer "irreparable harm" if he loses his home because "[he] and [his] family
19 will have nowhere to go and nowhere to stay. . . [his] children will need to leave their
20 schools." (ECF No. 5-2.) Further, the balance of equities tips in Plaintiffs' favor as a
21 TRO merely delays Defendant's right to foreclose. Finally, an injunction is in the public's
22 interest as it enforces a recently enacted law designed to protect the public.
23 BoA asked the Court to order Plaintiff to make $2,700 monthly bond payments if
24 the Court granted Plaintiffs Application for a Preliminary Injunction. (ECF No. 16.)
25 Federal Rule of Civil Procedure 65(c) states "the court may issue a preliminary injunction
26 order.. .only if the movant gives security in an amount that the court considers proper to
27 pay costs and damages sustained by any party found to have been wrongfully enjoined
28 or restrained." (Emphasis added.)
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Case 2:13-cv-00729-MCE-AC Document 22 Filed 05/02/13 Page 5 of 5
1 In light of Rule 65, the Court orders Plaintiff to post a $1,000 bond within seven days of
2 the date of the preliminary injunction hearing.
3
4 CONCLUSION
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6 Accordingly, the Court GRANTS Plaintiff's Application for a Preliminary Injunction
7 and orders Plaintiff to pay $1,000 bond by Monday, May 6, 2013. (ECF No. 14.)
8 Pursuant to Plaintiff's filing, ReconTrust is dismissed and no longer a Defendant in this
9 case. (ECF No. 21.)
10 IT IS SO ORDERED.
11 DATE: May 1,2013
12
13 MORRISON C. ENGLAI JO, JRVCRJEF JUDGE UNITED STATES D ISTRH
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