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In Re Veal AHMS Claim 20 Jul 2009

In Re Veal AHMS Claim 20 Jul 2009

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This document is the American Home Mortgage Servicing, Inc., claim submitted in the Bankruptcy matter In Re Veal, a matter before the U.S. Bankruptcy Court for the District of Arizona, Case No. 09-14808. The claim relates to a purported intesest in a mortgage granted by Shelli Ayesha Veal to GSF Mortgage Corporation for a property in Springfield, Illinois. GSF seems to have subsequently conveyed its interest in this mortgage to Option One Mortgage Corporation.
This document is the American Home Mortgage Servicing, Inc., claim submitted in the Bankruptcy matter In Re Veal, a matter before the U.S. Bankruptcy Court for the District of Arizona, Case No. 09-14808. The claim relates to a purported intesest in a mortgage granted by Shelli Ayesha Veal to GSF Mortgage Corporation for a property in Springfield, Illinois. GSF seems to have subsequently conveyed its interest in this mortgage to Option One Mortgage Corporation.

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Published by: William A. Roper Jr. on Jun 12, 2011
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Form
B10
OfficialForm
101208
PROOF
OF
CLAIM
NITED
STATES
BANKRUPTCYCOURT
DISTRICT
OF
ARIZONA
PHOENIX
DIVISION
Name
of
Debtor
HowardRchad
Vea
JRCase
Numbe
9
14808
PHXRJH
NOTE
This
form
should
notbe
used
to
make
a
claim
foran
administrative
expense
arising
after
the
commencement
of
thecase
A
request
for
payment
ofan
administrative
expense
may
be
filed
pursuant
to11
U
S
C
503
Check
thisbox
to
indicate
that
this
ame
of
Creditor
the
person
or
other
entity
to
whom
the
debtor
owes
money
or
property
claim
amends
a
previously
filed
claim
HMSINameand
address
where
notices
should
be
sent
AmericanHomeMortgageServicing
Inc
4875
Belfort
RoadSuite
130
Jacksonville
Florida32256
Court
ClaimNumber
If
known
Filed
on
Check
thisbox
if
you
areawarethatNameand
address
where
payment
should
be
sent
if
different
from
above
anyone
elsehas
filed
a
proof
of
claim
AmericanHomeMortgageServicing
Inc
relating
to
your
claimAttach
copy
of
4875
Belfort
RoadSuite
130
statement
giving
particularsJacksonville
Florida32256Check
thisbox
if
you
arethedebtor
or
trustee
in
this
case
Telephone
Number
800704
0800
158399
17
Amount
of
Claim
as
of
Date
Case
Filed
5
Amount
of
Claim
Entitled
to
If
all
or
part
of
your
claim
is
securedcomplete
item
4
below
however
if
all
of
your
claim
is
unsecured
Priority
under
11
U
S
C
507
a
If
do
not
complete
item
4
any
portion
of
yourclaim
fallsin
one
of
thefollowing
categories
If
all
or
part
of
your
claim
is
entitled
to
priority
complete
item
5
check
the
box
and
state
the
amountCheck
thisbox
if
claim
includes
interest
or
other
charges
in
addition
to
the
principal
amount
of
claim
Specify
the
priority
of
the
claimAttach
itemized
statement
of
nterest
or
charges
Domesticsupportobligations
under
2
Basis
for
Claim
Money
Loaned
11
U
S
C
507
a1
A
or
a1
B
See
instruction
2
on
reverse
side
Wages
salaries
or
commissions
up3
Last
four
digits
of
any
number
by
which
creditor
identifies
debtor
xxxxxx9728
to
10
950
earned
within
180
daysbefore
filing
of
the
bankruptcy
a
Debtor
mayhave
scheduled
accountas
See
instruction
3aon
reverse
side
petition
or
cessation
of
thedebtors
business
whichever
is
earlier
114
Secured
Claim
See
instruction
4
on
reverse
side
U
S
C
507
a4
Checkthe
appropriate
box
if
your
claim
is
secured
by
a
lien
on
property
or
a
right
of
setoffandprovidethe
requested
information
Contributions
to
an
employeebenefit
plan
11
U
S
C
507
a5
Nature
of
property
or
right
of
setoff
Real
Estate
Motor
Vehicle
OtherDescribe
Up
to
2
425
of
deposits
toward
Value
of
PropertyAnnualInterestRate
ot
available
purchase
lease
or
rental
of
property
or
services
for
personal
family
or
household
use
11
U
S
C
507
mount
of
arrearage
and
other
chargesas
of
time
case
filed
included
in
secured
claim
a7
if
any
Basis
for
perfectionRecordation
of
Lien
439
41
Taxes
or
penalties
owed
to
Amount
o
Secured
ClaimAmount
Unsecured
58399
17000
governmental
units
11
U
S
C
507
a8
OtherSpecifyapplicableparagraph
6
Credits
The
amount
of
all
payments
on
this
claim
has
beencredited
for
the
purpose
of
making
this
of
11
U
S
C
507
a
proof
of
claim
7
Documents
Attach
redacted
copies
of
any
documents
that
support
the
claim
suchas
promissory
Amountentitled
to
priority
notes
purchase
orders
invoicesitemized
statements
of
running
accounts
contracts
judgmentsmortgages
andsecurity
agreements
You
mayalsoattach
a
summary
Attach
redacted
copies
of
documents
providing
evidence
of
perfection
of
a
security
interest
You
mayalsoattach
a
summary
Amounts
are
subject
to
adjustment
on
See
instruction7and
definition
of
redacted
on
reverse
side
41
10
and
every
3
years
thereafter
with
respect
to
cases
commenced
on
or
after
O
NOT
SEND
ORIGINAL
DOCUMENTS
ATTACHED
DOCUMENTS
MAY
BE
DESTROYED
AFTER
thedate
of
adjustment
CANNING
If
the
documents
arenot
available
please
explain
FOR
COURTUSE
ONLY
Signature
ate
The
person
filing
this
claim
must
sign
it
Signand
print
name
and
title
if
any
of
the
July18
2009
creditor
or
other
personauthorized
to
file
this
claim
and
state
address
and
telephone
number
if
different
from
thenotice
address
aboveAttach
copy
of
power
of
attorney
if
any
P
O
Box
829009
s
Hilary
B
Bonial
asCreditors
Authorized
Agent
Dallas
TX
5382
9009
Penalty
for
presenting
fraudulent
claim
Fine
of
up
to
500000
or
imprisonment
for
up
to
5
years
or
both
18
U
S
C
152
and
3571
7415
N
8535
Case 2:09-bk-14808-RJH Claim 4-1 Filed 07/20/09 Desc Main Document Page 1of 1
Fonn
B10 (Official
Fonn
10)
(12/0S)
UNITED STATES BANKRUPTCYCOURT DISTRICT
OF
ARIZONA PHOENIXDIVISION
I
PROOF OF CLAIM
Name
of
Debtor: Howard Richard Veal JR
Case Number:09-14S0S-PHX-RJH
NOTE:
This form should
not
be used to make a claim
for
an administrative expense arising after the commencement
of
he case. A request
for
payment
of
anadministrative expense may be filed pursuant to
11
u.s.c.
§
503.
Name
of
Creditor (the person
or
other
entity
to
whom the debtor
owes
money
or
property):
D Check this
box to
indicate that thisARMSIclaim amends a previously filed claim.Name and address where notices should be sent:American Home Mortgage Servicing, Inc.4875 Belfort Road Suite 130Jacksonville, Florida 32256
CourtClaim
Number:
(Ifknown)
Filed
on:
D Check this
box
if
you are aware thatName and address where payment should be sent
(if
different from above):anyone else has filed a
proof
of
claimAmerican Home Mortgage Servicing, Inc.relating
to
your claim. Attach copy
of
4875 Belfort Road Suite 130statement giving particulars.Jacksonville, Florida 32256D Check this
box
if
you are the debtoror trustee in this case.Telephone
'lumber:
(800) 704-0800
1.
Amount of Claim
as
of Date Case Filed: $158,399.17
If
all or part
of
your claim is secured, complete item 4 below; however,
if
all
of
your claim is unsecured,5.
Amount
of
Claim
Entitled to
Priority
under
11 U.S.C. §507(a).
If
do not complete item
4.
any
portion
of
your
claim
falls
in
If
all or part
of
your claim is entitled
to
priority, complete item
5.
one
of
the
following
categories,
check the
box
and
state theamount.
129
Check this box
if
claim includes interest or other charges in addition
to
the principal amount
of
claim.Attach itemized statement
of
interest
or
charges.Specify the priority
of
he claim.D Domestic support obligations under2. Basis
for Claim:
Money Loaned
11
U.S.C. §507(a)(l)(A) or (a)(l)(B).(See instruction #2 on reverse side.)3.
Last
four
digits
of
any
number
by which
creditor
identifies
debtor:
xxxxxx9728D Wages, salaries, or commissions (up
to
$10,950*) earned within 180 days3a.
Debtor
may
havescheduledaccount
as:before filing
ofthe
bankruptcy(See instruction
#3a
on reverse side.)petition or cessation
of
he debtor's4.
Secured
Claim
(See instruction #4 on reverse side.)business, whichever is earlier -
11
Check the appropriate box
if
your claim is secured
by
a lien on property or a right
of
setoff andU.S.C. §507 (a)(4).provide the requested information.D Contributions to an employee benefit
Natureofproperty
or
right
of
setoff:
IRl
Real Estate D Motor Vehicle D Other:plan -
II
U.S.C. §507 (a)(5).Describe:D Up
to
$2,425*
of
deposits toward
Value
of Property:
not available
Annual Interest
Rate:
purchase, lease, or rental
of
propertyor services for personal, family, or
Amount ofarrearage and
other charges as
of
ime
case
filed
included
in
secured
claim,
household use -
11
U.S.C. §507(a)(7).
if
any: $9,439.41 Basis
for
perfection:
Recordation
of
Lien
D Taxes or penalties owed
toAmount
of
Secured
Claim: $158,399.17
Amount Unsecured
$0.00governmental units -
11
U.S.C. §507( a)(8).6.
Credits:
The amount
of
all payments on this claim has been credited for the purpose
of
making thisD Other -Specify applicable paragraph
proof
of
claim.
ofll
U.S.C. §507
(a)(_).
7.
Documents: Attach redacted copies
of
any documents that support the claim, such as promissorynotes, purchase orders, invoices, itemized statements
of
running accounts, contracts, judgments,
Amount
entitledto priority:
mortgages,
and
security agreements.
You
may
also attach a summary. Attach redacted copies
of
$documents providing evidence
of
perfection
of
a security interest.
You
may
also attach a summary.
*Amounts are subject to adjustment on(See instruction
7
and definition
of
"redacted" on reverse side.)
411110
and every
3
years thereafier with
DONOT SEND
ORIGINAL DOCUMENTS. ATTACHED DOCUMENTS
MAY BE
DESTROYED AFTER
respect to cases commenced on or afier
SCANNING.
the date
of
adjustment.
If
he documents are not available, please explain:
Date:
Signature:
The person filing this claim must sign
it.
Sign and print name and title,
if
any,
of
he
FOR
COURT
USE ONLY
July
18,
2009
creditor or other person authorized to file this claim and state address and telephone number
if
different from the notice address above. Attach copy
of
power
of
attorney,
if
any.
lsi
Hilary
B.
Bonial as Creditor's Authorized Agent
P.O.
Box
829009
Dallas,
TX
75382-9009
Penalty for presenting fraudulent claim:
Fine
of
up
to
$500,000 or imprisonment for up
to
5 years, or both. 18 U.S.C. §§ 152 and
357l.
7415-N-8535
 
IN
THEUNITED
STATESBANKRUPTCYCOURT
FOR
THEDISTRICT
OF
ARIZONA
PHOENIX
DIVISION
IN
RE
CASE
NO
0914808
PHXRJH
HOWARD
RICHARD
VEAL
JR
SHELLI
AYESHA
VEAL
CHAPTER
13
JUDGERANDOLPH
J
HAINES
EXHIBIT
A
ITEMIZATION
OFCLAIM
AND
SUMMARY
OF
SUPPORTING
DOCUMENTSFOR
CLAIMOF
AMERICANHOME
MORTGAGESERVICING
INC
AS
SERVICING
AGENT
FOR
WELLS
FARGO
BANK
NA
AS
TRUSTEEFOROPTION
ONE
MORTGAGE
LOAN
TRUST2006
3
ASSET
BACKED
CERTIFICATES
SERIES
2006
3
REGARDING
CERTAIN
COLLATERALDESCRIBED
AS
2100
2
HAZEL
DELL
RD
SPRINGFIELD
ILLINOIS
62703SECTION
1
ITEMIZATION
OF
CLAIM
1
TotalDebt
As
of
June
29
2009
158399
17
2
Interest
rate
as
of
June
29
2009
5
00
3
Interest
fromLast
Paid
Installment
5
013
01
4
Detail
of
arrearage
through
Jun
09
1
payments
December
2008
throughDecember
2008
@
831
36
each
831
36
6
paymentsJanuary
2009
through
June
2009
@
962
76
each
5
776
56
Accrued
late
charges
332
56
ATTORNEY
FEES
AND
COSTS
1
149
00
OTHER
CHARGES
Inspection
Fees
9
60
Appraisal
Fees
185
00
Escrow
Shortage
788
47
PropertyPreservation
Fees
450
00
Less
Suspense
Account
Balance
8314TOTAL
ARREARAGE
9
439
41
The
currentmonthly
payment
amount
is
962
76
The
monthly
payment
amount
may
change
due
to
escrow
requirements
and
or
interest
rate
adjustments
Name
of
CreditorAmericanHomeMortgageServicing
Inc
asservicing
agent
for
Wells
Fargo
Bank
NA
as
Trustee
for
Option
One
Mortgage
LoanTrust
2006
3
AssetBacked
CertificatesSeries
2006
3
Wells
Fargo
File
Number
7415
N
8535
poc
EXHIBIT
A
ITEMIZATION
OF
CLAIM
AND
SUMMARY
OF
SUPPORTING
DOCUMENTS
1
Case 2:09-bk-14808-RJH Claim 4-1 Part 2 Filed 07/20/09 Desc Exhibit Page 1of 22
IN THE UNITED STATES BANKRUPTCY COURT
FOR
THE DISTRICT OF ARIZONAPHOENIX DIVISION
INRE:
§§
CASE NO. 09-14S0S-PHX-RJHHOWARD RICHARD VEAL
JR
§
SHELLI AYESHA VEAL § CHAPTER 13
§§
JUDGE RANDOLPH J. HAINES
EXHffiITA
ITEMIZATION
OF CLAIM
AND SUMMARY
OF
SUPPORTING
DOCUMENTS
FOR
CLAIM OF AMERICAN HOME MORTGAGE
SERVICING, INC., AS SERVICING
AGENT
FOR
WELLS
FARGO
BANK,
NA
AS
TRUSTEE
FOR
OPTION ONE MORTGAGE LOAN
TRUST2006-3 ASSET-BACKED CERTIFICATES, SERIES 2006-3REGARDING
CERTAIN
COLLATERAL DESCRIBED AS:2100-2 HAZEL
DELL
RD, SPRINGFIELD, ILLINOIS 62703SECTION
1.
ITEMIZATION
OF
CLAIM
1.
2.
3.
4.
Total Debt (As
of
June
29,2009)
Interest rate as
of
June
29,2009
Interest from Last Paid InstallmentDetail
of
arrearage: (through Jun 09)1 payments December 2008 through December 2008
@
$831.36 each:6 payments January 2009 through June 2009
@
$962.76 each:Accrued late charges
**
ATTORNEY
FEES AND COSTS
**
OTHER
CHARGES Inspection FeesAppraisal FeesEscrow ShortageProperty Preservation FeesLess Suspense Account Balance
TOTAL
ARREARAGE$158,399.17
5.00%
$5,013.01$831.36$5,776.56$332.56$1,149.00$9.60$185.00$788.47$450.00($83.14)$9,439.41The current monthly payment amount is $962.76. The monthly
payment
amount may change due to escrowrequirements and/or interest rate adjustments.Name
of
Creditor: American Home Mortgage Servicing, Inc., as servicing agent for Wells Fargo Bank, N.A. asTrustee for Option One Mortgage Loan Trust 2006-3 Asset-Backed Certificates, Series 2006-3 ("Wells Fargo")File
Number
7415-N-8535 / poc
EXHIBIT A -ITEMIZATION OF CLAIM AND SUMMARY OF SUPPORTING DOCUMENTS
 
Case 2:09-bk-14808-RJH Claim 4-1 Part 2 Filed 07/20/09 Desc Exhibit Page 2of 22
Loan Number:
••••••
'Servicing
Number: _
Date:
08/09/06
ADJUSTABLE RATE NOTE
(llBOR
Index,
Rale Caps)
TIllS
NOTE CONTAINS PROVISIONS
AUJ)WING
FOR CHANGF.s IN
MY
INTEREST
RATE
AND MYMONTHLY PAYMENT.
TillS
NOTE
LIMITS
THE
AMOUNT
MY
INTERFSf
RATE
CAN
CHANGE AT
ANY
ONETIME
AND
THE
MAXIMUM RATE I MUST PAY.
2100-2102
HAZELDELL
RD, SPRINGFIELD,
IL
62703-523~
[Property Address]
I.
BORROWER'S PROMISE
TO
PAYIn
retum
for
a
loan that I have received, I promise to pay
u.s.
$131,310.00
is
called "principal"),
plus
interest, to
the
order
of
the Lender. The Lender
is
GSF
MORTGAGE
CORPORATION,
A WISCONSIN
CORPORATION
1111111111111111111111111
NOTE/NOTE
(this amountI understand iliat the Lender may transfer this
NOle.
The Lender
or
anyone who takes this Note by transfer and who
is
entitled toreceive payments under this Note is
called
the "Note Holder."
2. INTEREST
Interest
will
be
charged on unpaid principal until the full amount
of
principal has been paid. Interest
will
be calculatedon the basis
of
a 12-month year and a 30-day monili.
I
will
pay interest
at
a
yearly rate
of
10.620%
.
The
interest
rate
I will
pay may change
in
accordance
wilh
Section
4
of
this Note.
The
interest rate required by this Section
2
and Section
4
of
this Note is the rate I
will
pay both before and after any defaultdescribed in Section 7(B)
of
this Note.
3.
PAYMENTS(A) Time
and
PI"",
of
Payments
I will pay principal
and
interest by making payments every
month.
I
will
make my monthly payments on the first day
of
eacb month beginning on
October
01
2006
1
will make these payments every month until
I
have paid all
of
the principal and interest
and
any other charges described belowthat
I
may owe under this Note. My monthly payments will
be
applied to interest, before principal.
If,
on,
September
01
2036,
I
still owe amounts under this Note,
I
will pay those amounts
in
full
on thatdale, which is called the -Maturity Date."I will make
my
monthly payments
at
GSF
MORTGAGE
CORPORATION
15430
W CAPITOL DRIVE, BROOKFIELD,
WI
53045
or
at
a different place
if
required by the Note Holder.
(B)
Amount
of
My
Initial
Monthly
Payments
Each
of
my initial monthly payments will
be
in the amount
of
U.S.
$1,212.94
.
This amount
may
change.
(C)
Monthly
Paymcot
ChangesChange;;
in
my monthly payment
will
reflect changes in the Wlpaid principal
of
my loan and
in
the interest rate that
I
mustpay. The Note Holder will determine my new interest rate and the changed amQunt
of
my monthly payment
in
accordance withSection
4
of
this Note.
(D)
Application
of
Payments
Payments received by the Note Holder will
be
applied in the following order: (i) prepayment Charges due under this Note;(ii) amoWlts payable under paragraph
2
of
the Security Instrument (defined below);
(iii)
interest due under this Note; (iv) principal
due
under Ihis Note; and (v) late
charges
due under this Note.
4.
INTEREST
RATE
AND MONTHLY PAYMENT CIlANGES
(A)
Change Dates
The imerest rate
I
will
pay may change on the first day
of
September
2008
and
on that day every sixth month thereafter. Each date on which my interest rate could change is
ca1led
a "Change Date."
(B)
The
Index
Beginning with the first Change Date,
my
interest rate
will
be
based on
an
Index. The "Index" is the average
of
interbankoffered rates for six-month U.S. dollar-denominated deposits
in
rhe
London market ("LIBOR"),
as
published
in
The
Wall Street
.
Journal.
The most recent index figure available
as
of
the first business day
of
the month immediately preceding the monili in whichthe Change Date occurs
is
called the "CUrrent Index."
If
the
Index
is
no longer available,
the
Note Holder will choose a new index that is based upon comparable infonnation.The Note Holder
will
give
me
notice
of
this
choice.
(C)
Calculation
of
ChangesBefore each Change Date, the Note Holder will calculate
my
new interest rate
by
adding
SIX
AND
10/100
percentage point(s) (
6.100%
to the Current
Index..
The Note Holder
will
then round the result
of
this addition to the next higher one-eighth
of
one percentagepoint
(0.125
%).
SUbject to the limits stated in Section
4(D)
below, this rounded amount
will
be
my
new interest rate until the
next
Change Date.The Note Holder will then detennine the amount
of
the monthly payment that would be sufficient to repay the unpaidprincipal that I am expected to owe
at
the Change Date in full on
thl:
Maturity Date
at
my new interest rate
in
substantially equalpayments: The result
of
this calculation
will
be the new amount
of
my monthly payment.
ILLINQIS
ADJUSTAHLERATE
Narn-LIBORINDEJ(-
siWe~TIFIED
TO
BE
A TRUE
AND
P'g'
to"
CORRECT
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