Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 1 of 27

PLAINTIFF’S EXHIBIT 28
- - - - - -- -- ~ - ·---" ---·--- ~·-·

Case 1:15-cv-00293-LTS-RWL Document 429-28

- - - -•···· -··· Filed 09/30/19 Page 2 of 27

::>AGE 05/08
. Fili~i /{3186526{ E.:-Filedo<Ji697iOI5 04:24:37 PM

IN THE CIRCUIT COURT OF THE

SEVENTH JUDICIAL CIRCUIT, IN AND
FOR VOLUSIA COUNTY, FLORIDA

Case No. 2013 13078 CIDL

Div:CML
S & A CAPITAL PARTNERS INC.

Plaintiff

vs.

PATRICIA B. KING et al.,

Defendants I

fpropo.!ed] CONSENT FINAL JUDGMENT.

~ t)\"5t)..\½f'\ QE= l..CXL~i:,. ~fi1'e;rt Q.a~'t~"\is~
This Consent fjnal Judgment is upon agreement of the Plaintiff, S&A Capital P.artn.e:r:s

Inc. (11 S&A"), and the Defendant, Patricia King ("Kittg'l

Findings of Fact

WHEREAS, on January 28, 2010, S&A acquired from JP Morgan Chase Bank, N.A.

(
11
Chase 11 ) a first mortgage loan made by Chase to King (the "King Mortgage") whicb was

secured by the real property located at 5092 Dundee Avenue, De Leon Springs, Florida 32130

(the "Property"); and

WHEREAS, Cbase provided S&A wi1h an assignment of the King Mortgage which was

recorded in Book 6455, Page 532 of the Official Records in the County Recorder,s Office of

Volusia, State of Florida oo March 15, 2010 (Exhibit A); and

WHEREAS, -in or around 2013. King defaulted on the King Mortgage by failing to remit

I. her: monthly payments, pay the outstanding property tax.es aJJ.d insurance and, thereafter, S&A

instituted this action to foreclose on the King Mortgage; and

Page of

SA00433932
 Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 3 of 27

FL01'£T LLC PAGE 06/08 .

WHEREAS, on October 31, 2013, S&A's agent:, BSI, filed on S&A's behalf a Notice of

Lis Pen dens and Complaint against King for non~payment of the note that was secured by the ·

King Mortgage (Exhibit B); and

WHEREAS, on November 19, 2013~ Chase recorded, a release of its mortgage lie~

pwportedly re]easing King of the mortgage loan that Chase.had previously sold to S&A in 2010
I
'· ("Lien Release'') (Exhibit C); a.nd
'
. .
'
WHEREAS~ the Lien Release appeai:s to have been robowsigned by someone ~ho lacked ·

knowledge as to the transaction; and

WHEREAS~ King answered the foreclosure complaint filed on February 2, 2014 and
asserted that her loan was modified by.Chase in 2009; and . .

WHEREAS . on May 27, 2014, counsel for S&A sent a cease and desist letter to Chase

for its wrongful. release of the King Mortgage lien which Chase hw previously sold to S&A; and

WHEREAS, on May 27, 2014, Chase recorded a Vacation and Rescission of ·

Modification of Mortgage in Book 6992, Page 3573 of the Official Records in the County

Recorder's Office of Volusia, State of Florida (the "Vacation and Rescission") (Exhibit D); and

WHEREAS, the Vacation and Rescission provi~ed that Chase "[tJhrough inadvertence

and mistake[) executed a Home Affordable Modification of.' the: King Mortgage which was

recorded on November 19, 2013 in Book 6930, Page 4838 of the: Official Recc,r.ds in the County

Recorder's Office of Volusia, State of Florida.; and

WHEREAS, Chase may have taken credit towards its consumer relief obligations under

the RMBS Settlement Agreement for granting cons um.er relief in the ful) am.ount of the KJng's ·

indebtedness to S&A pursuant to its "Pre-DOJ T.ien Release Project;" and.

Page of

SA00433933
 Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 4 of 27

09/09/20 15 14:28 FLOMET LLC PAGE 07/08

WHEREAS, King has confirmed that she never had any communication witJ, Chase since

2010 and that she did not request, apply for., or receive a loan modification from Cba,;e after .

January 1, 20l O; and

WHEREAS, Chase and King did, in fact, enter into a modification on February 1, 2009

pursuar,\t to which King's monthly payment was to include taxes and insurance (Exhibit E);

Scope or Consent Judgm.en t

NOW WHEREFORE, based on the foregoing factual finding, IT IS SO ORDERED:

ADJUDGED AND DECREED:

l. S&A owns the I(jng Mortgage;

2. Chase has no intere~ in the King Mortgage;

3. Neither Chase nor its agent(s) had any right.to telcasc the lien securing the King

Mortgage because Chase bad sold the King Mortgage loan to S&A and had no standing to

relinquish the lien thereafter;

4. The S&A and King mutually release one another of any claims that were or could

have been asserted in the above captioned action; and

El~S"t,ijt:D ~M)
5. The complaint in the above the captionelt'fflotttpr / dismissed without prejudice

and each party waives any costs and fees.

JUDGE OF THE CIRCIUT COURT

Page of

SA00433934
 Case 1:15-cv-00293-LTS-RWL
· ·- - - Document
- - - - 429-28
- Filed 09/30/19 Page 5 of 27

09/09/ 2015 14:28 FLOMET LLC PAGE 08/08

JOINTLY SUBMITTED BY:

Charles F. Rodman Patricia B. King

GESMER UPDEGROVE LT...P PrnSe
40 Broad Street P0Bo x241
Boston, MA 02109 DeLeon Springs, FL 32130
(617) 350-6800 (Telephone) (386) 233-6490
• ( 6_..z ·. •6878
;; ; ;ile)
(Facs(m

By· ~ ·.
·~~E S,f.R ODM AN.
Florida Bar No. 14773 7 Pro Se

Page of

SA00433935
 Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 6 of 27

CERTIFICATE OF SERVICE

I HEREBY CERTIFY that a true and correct coi·of the foregoing docume~t was furnished
upon Patricia King via regular mail and email on thisrtlay·of September, 2015.

~
. .
'•.
~ . . '
,' ' - ,

Charles F. Rodman

903176, I

--···----

SA00433936
Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 7 of 27

EXHI13Irr ~ .
. . .
·'·

SA00433937
Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 8 of 27

03/15/2010 03:14 Pll

111:;1 ru~r:nt.~ ✓.rno n~i~;:;:: t !
{h •< '~~·.: (·} IJ ! >!~
Rt:COIIDA'flON REQUtsn:o BY: f'•·. ~~J(~ ;;' !)~i::·!

S 8i A CMpltlll Portner,, Inc.

WIIEN RECORDED MAIL TO:

S & A Cdpllal Pnrh1cn, Inc,
2101 NW Corporate Bh·d,, #102
Roca fhton, FL JJ4J I

~PACI: ABOVli TIIIS l,INF. IS ~'UK Rr:CORIIER'S tniE Or<i.\' .

ASSIGN MENT of MORTG AGE

for ,•aluc received, th,· 1c~~ip1 a11d suflicicn,·y of which arc l1c1·cl,y ,icknnwlcdgcd.
JPMORGAN CH~SE BANK, N.A.,.
hereby grants, assigns and lransfcrs to S & ,\ CAPITAL l'AltTNERS , INC., ull ·beneficial
interes1 ·under thiit certain
Murtgngc for $69,3!10,UO doled October 20, 2007,. and executed by PA'fRICfA
B KING, A SINGLE WOMAN,
Grantors, 10 CHASE RANK USA, N.A. and record~ 8S Document No. · · · · · • i
n 'Book lX. Page .xx, on
November l, 2007, or Official Records in lhe County Recorder's office of Volusla, State
_o f Flol'ida, as described in.
said Murtg11ge and more coinmoolyknown as 50!12 Dundee Avc,Ue Leon Springs, FL 32130.
LEGAL DESCRIPTION: SEE ATJ'ACHED LEGAL OESCRlf'TJON AS EXIIIBIT"A"
Jl'\IOl<(;A>,; Cl l·\SI'. II-~.\ h. ~• .\ ......:rt~ m ,\,-;.;)!,!1h,~ ~ii ul' M:<ig11-,r'.1 rigi°u. 1i1lc arnd i111cn•s1
in ,i°ll\:. \I.Jortf;l)l•'. ·hirm, l-l~,-jJ-,1f
·Tru~\.'~-h,rt1!agl: .11111 'l~ull.: Jn · ,·\1'..lf' ·ct.11ltfUh:,n •.:(ti(lt..:di J:mlts, ,vi1hurn nuy m\.•1.rnrsc t~\
/\ssip.nor :.,v.lt.~Hitiil\'\!r ;iii~]: \\t\t\n.~~f~ll}~
warrnnl~ ""-~PT'-'·"''-Cd ,,:.~ /inr,)i,.·,t d~1;a!;~\1t· .t,t ·rrut.1m.':- Jl'MOlt<.i,\,-.; {'HA.Sr:: IJi\~K
1 S.:\,. l1.1rlhL~r .. rii~k\'.;;i(,t1 _
·tt1·,;.~·~,1~t;Hi91\~ .. l.if
w:1rr~u1lt,~:- r\l~artling ,h,· :-,1_~;Jr-'~1.·· l\11~;1~ ?:'(~,,~ wd)l•l'li of l'rn!l.t!~t'-,rtgagc. ,,~sign~t.• confirm~ thin .f-l.~II~ t_
d,~·111; appr.,11ria1C· 11'\lh r.::•1.,os·1 ,.,_,·,,mlu,·1111g du,; ,hll~cncc ,,ilh rc~pt•ct 10 lhc ~111111~ nml q11uli1y:1•l'_-tlll
i)k~u-~.~.!Ji ~tc_c>,.: •)1~,il
:na( lJ~1•d 1'1 fT r11:,.l•:-.•l,1: ti,!,~~:
: M111:1~.iJ!c I.Lltlrt'.-Nilk!
. . .

TOGETHER IVith the note or notus !herein described or referred to, the money due and lo become due thereon
with
inter~st, mrd nil 1iyhl~ accrued or 10 accnie under said Mortgnge.

Dared: l'~bruary 16, 2010

* 111 pi\'p;ircct by: Lnunl"Solomoti"

150 W. Univen:ily Dr. Floor J, Tempe, AZ 85281
STATE OF ARIZONA
COUNTY 01' MARICOPA

Pl)..]{o._t;;h_rj{)t_.:uCc. before me, lhe 11ndcn-ig11cd No1nry l'ul,lic in and ior s•id Counly nnd Slnlc, pc,.,.,;ml\y opp<!,,rc_d,
.LtlOittm .ttft?X::c personally known to me (or proved 10 me-on tho basis or sati!ifnclory cvidenc~) _lo be lhe pcr,;on(~) ·
whose namc(s) is ·-s11l,;iculicLI10 the wilhin instrument and aclmowledgctl lo me that hc/•he/they e.,ecuted the same
his/her/lheir authorized cnpncily(ic,), und thal by the sign111urc(s) on the insl!ument m
the person(s), or entity upon .behnlf of
which th~ person actt,d, c. ·c_u(<'d U1e instnunent. ·

-~~r: N~:::11:f!'~-~~-·~~:: _ .
1

·=-
No111ry Public ut l\llU r7(<>.1kT011nly and ·s1111c

I
WOllO,Nrl\!ANI( ONl:il\SSIGNMENTS/Oll!01r11X~·KING

SA00433938
 Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 9 of 27
.· . ..
l co .
i_, :;:i: ,i,Ai1,ift 1it~; ~,1ii:,1it,i~t.; J .
N J~\f)! ., }~ :· :.t:i/4 !J :ii. ··.
.l en
i· · . ..

1:.-,,.:., f-~,; ·:.:· "tif.1.~J ...

0
. ~ N(.O , l)i;11'.I! K•. Ki'lt\ii6i-k . · · ... , . ..
1~.N Jo::Xllllll'I',"•\''
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:. _.: .. •.,,r\-;•
Clt!rk f.tlOi't
.·.

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--~h..- ilc~mrdi1i~ lo thcl'l~i:th~l'imi·,a!; i·,•cot'i_l~;r,.'.i·
'i=l:·. · in '.\tlap .B,1111( I. l111g1· .n, ol' the Public Records or. Voluslu C1i1111ty, Jilc,dclu. ·• ·· . ·
·1::; . I I I I
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SA00433939
, - - - - - - - - - - - - - - - - - - - - - - - - - - - -- -- - -- - -- - - - -- - - - - -- -- - - - -- ---------- -- - - - -·---······ _____ .. ,

Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 102015-188092

Instrument# of 27 #9
Book: 7172
:Bili~~;=~<1.<_ 227
.<- ·:.-=

SA00433940
 Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 112015-188092
Instrument# of 27 # 10
Book: 7172
Page: 1228

Blectroniclllly Fi.led 10/31~13 1f :5 I:59 AM ET

IN THE CIRCUIT COURT OF TfIE SEVENTH JUDICIAL CIRCUIT OP rnE STATE OF

FLORIDA, IN AND FOR VOLUSIA COUNTY .
CIVIL DIVisION

S & A CAPITAL PARTNERS INC.

Plaintiff,

vs.
CASE NO.

PATRICIA B. KlNG; UNKNOWN SPOUSE OF PATRICIA B.

KING; lF LMNG, INCLUDING ANY UNKNOWN SPOUSE OF
SAID DEfENDANT(S), JF REMARRIED, AND IF DECEASED,
THE RESPECTIVE UNKNOWN HEIRS, DEVISBES, GRANTEES, - ....
ASSIGNEES, CREDITORS, LlENORS, AND TRUSTEES, ANO
ALL OTHER PERSONS CLAIMING BY, THROUGH, UNDER.OR
AGAINST THE NAMED OEPENDANT(S); UNKNOWN
TENANT #1; UNKNOWN TENANT #Z;

Defendant{s)

NOTICE OF 1,.IS PENDl:NS

TO DEFENDANT(S) PATRICIA B. KING; UNKNOWN SPOUSE OF PATRICIA B. KING; IF

LIVING, INCLUDING ANY UNKNOWN SPOUSE OF SAID DEFENDAN!f(S), IF -
REMARRIED, AND IF DECEASED, THE RESPECTIVE UNKNOWN HEIRS, DEVISEFS,
GRANI'EF.S, ASSIGNEES, CREDITORS, LIENORS, AND TRUSTEES, AND ALL OTHER
PERSONS CLAIMING BY, THROUGH, UNDER OR AGAINST THE NAMED
06FENDANT(S); UNKNOWN TENANT #1; UNKNOWN TENANT #2; AND ALL OTHERS
WHOM lT MAY CONCERN:

YOU ARE HEREBY NOTIFIED OF THE FOLLOWING:

(a) The plaintiff has instituted this action against you seekmg to foteclm~e a -eutchase
money mortgage with respect to the property descriJ,ed below;

(b) The ph1i,ntiff in this action is:

- S & A CAPITAL PARTNERS INC.

(c) The r;ase number of the action is as shown in the caption.

4:9.00
2013 13078 CIDL

SA00433941
 Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page·-12
- of - -- ----
- 27

......
Instrument, 2013-212680 I 2
Book: 6925
Page: 1423
Ohm H. Matousek
Volusia CMty, Clerk of Court

(d) The property that is the subject matter of this action is-in V~lusia County,
Florida, and is described as follows;

EARDSLEY'S DELON SPRJNGS,

RECORDS OF VOLUSIA COUNTY, FLORIDA.

DATEDTHIS :Z'S'oAYOF oq&hfV' .2013,

z-i47.1
Da~ ;W Aring/Florlda Barf:•_ ...
Law Offices o( Daniel C, Ctf ·· ·egta, P.L.
9204 K.ingP~lm Dr., Tampa, FL33619
'Phone: (813) 915-8660/Fax: (813) 915•0559
attomeynotice@consuegrala~:com

SA00433942
 P*~4~~a•·
Instrument# 2015-188092 # 12
·Book: 7172
Page: 1230

Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 13 of 27

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Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 14 of 27

11/19/2013 11:14 AM Instrument# 2013223302 It 1 Boak: 6930 Page: 4838 Diane M, Matousek, Volusia County, Clerli. of Court

Loan#:

Doc11men1 Prepand By:

E.Lanc:e/NTC, 2100 All, lll North,
Palm Harbor, FL 34683
(800)34f-91S2

When Recorded Return To;

JPMor1111n Chase Bank, N.A.
C/0 NTC 2100 AIL 19 North
Palm Hnrbor, PL 34683

RELEASE OF LIEN

6148, Page 4414, or Dcx:umeol -~·•·in

KNOW ALL MEN BY THESE PRESENTS, tha.t JPMORGAN CHASE BANK, N.A, is lhc owner and holdu
or a certain Mortsogo execuied by PATRICIA B, KING. in lho amounl of &11d recorded In Officlul Records Book
Iha office of the Clc1k of Ille Clrcuil Court of VOLUS[A
County, Plorida, hereby aulhorlzes Iha Recortler lo dbchllJ'gc ~ same or record. The. prop11t1y sltuaicd In said
SllllC and Counly ii moN: fully described In 841d Mortgage.
IN WITNESS WHE~,.said owner and holder has c:auscd lu prcscnb co be exccu1cd by its VICB
PRESJDBNT on --1...LJJL!e_J2013 (MMIDD/VY\'Y).

JPMORGAN CHASE BANK, N,A,

~
. . ;

Byi .: - ___ - : , '.

t r ~-~

STATB OP LOUISIANA
PA1US1ie~HITA
On 013 (MM/DDIYYYY), bcfon: me apponred Amy K111h1, lo me personally known, who did
say tha bc/,ha/1~ lslara lho VICB PRBSIDB!lrl' of JPMOROAN CHASE BANK, N.A, and 1h111 Ille ln11rumen1
was signed on behQJf of Ille corporallon (or assoc!o1lon), by .11uthori1y from !ts board of directors, and !hat
he/~hc/lhey acknowledged Ille Instrument to be 1ho free oet ond deed of Ille corporation (or ossocialion).

Nolary Public - S1a1c of LOUISIANA

Commission expiros: UFETIMS

•I) .-
11n1m .... ,. ...

SA00433944
 ····- ··· - - ···- ---
Instrument# 2015-188092 # 14
Book: 71 7 2
Page: 1232

Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 15 of 27

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Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 162015-188092
Instrument# of 27 # 15
Book: 7172
Pa.ge: 11233
OS/'lll'JJ)14 07::rT AM
Instnaentt 2014-()92821 t 1
Book: 6992
Page: 3573
D1aneM. Hatrusek
When Recorded Return To: Vo lueta COlrtty, Clerk of r.oort
JPMorgan Chase Bank, N,A,
C/0 Nationwide TIiie Clearlng,
Ioe. 2100 Alt. 19 North
Palm Harbor, FL 34683

Document Prepared B11

E.LanceJNTC, 2100 Alt. 19 North,
Palm Harbor, PL 34683
(800)346•!11.Sl

Loan#:

VACATION AND RESCISSION OF MODIFICATION OF MORTGAGE

RECORDED 11/19/2013 IN BK: 6930, PO: 4838, AS DOctr.',. . . , DATED
11/06/2013
1, A Mortgagi, was made by PATRICIA B, KING 11nd recorded in tho Official Records of tho Clerk of the
Circuit Court of VOLUSIA Coonty, Florida, lo Book 6148, Pap 4414, or Instrument# 2007-246690 upon the
property situated in said State and County as more fully described in said 111ortgage.

2, 'Ibrough ioadvcrtoncc and mistake the uodecslsned c,x1:Cutcd a Home Affordable Modlficadon of (hereinafter
the "Modlficadon") of said Mortgage, which Modlfie111lon was RECORDBD 1U19/2013 IN BK: 15930, PO: 4838,
AS DOC#:· · · · ! A·TBD 11/06!2013 lu the official n:cords of suid County.

3,Th" unduslgned hereby cancela and rcsclnlla the Modification to lho samo extent and effect u though tho
Modification had novOt" been lssui,ci and recorded.

Date1 ~..1.k.J-d-(MMIDD/YYYY)
JPMORGAN CHASE BANK. N,A,

.. Ji&=
VICE PRESIDENT

STATE OP WU1S1ANA
·PARI.sp;om.~
On.~ - , , · ·, : · • (MMIDDIY-\'YY); t,ef~nM~'Bl'P.OllfCil'~diVlili,7-.,1:0 ~pj:r,i.dlllllly ~~• who
:di~ say, $1Lhc'/sh~ , .•·Iii/ore IJ?il•VIC~ P:~f9BNT'~f-}P~@{O.~ ~ ) J ~:tP~· :,lµl)!_; lh~t the
lna11:111iU:!1t,~u•srgncd on bel1ulf,oflhrt~oi'pornllon(or.,1111!i1cliiUon), by-:11uthorlty:l'lom·ltsboard::of1dl~tors; and
that hc/shc/lh"Y acknowledged the lnslrllment to be lhe free act and deed of the o'Dll'OratiOn (or association),

Brid~
.~ OUA&Wr,:r;~~tnjR
1JJ!!!'TJ1t!g~OUISlAN.e,
Notary Publie - Stale of LOUISIANA NOr~:ii>it:~fN
Commis5IOD expires: LlFBTIMB

CHAS6 23641573 _. PRIMB T09l40,37l4 [C-l] RCSPLl

IllllU llllf lJIRI '11111111 gn 11111 ml 1111 I~~H 1m11m 11m1m IHI ~1111111 ~m111~1,m
•23641573•

SA00433946
Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 172015-188092
Instrument# of 27 # 16
. B09k_~ 7172
.. Page
:-·.. :~· ··1234
,,., . ,:-
·.' ' .

SA00433947
 Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 182015~188092
Instrument# of 27 # 1-7 .•
Book:·. 7172
I Page: · 1235

CHASEO
Chase Home Finance LLC
I0790 Rancho Bernardo Rd.
San Diego, CA
(877) 838-1882 Ext. 52195 Loss Mitigation Department
(800) 5&2-0542 TDD I Text Telephone

January 15, 2009

Patricia B King

De Leon Springs, FL 32130

Re: Loan Number (the "Loan")

Y45

Property Address:
De Leori Springs, Jl'L 32130

Dear Btmower(s):

I am writing about a modifo;ulion to your Loan. The tenns of the 111odificatio11 ai-e set forth in the
enclosed Modification Agreement. The new payment will be effective March 1, 2009, upon.satisfaction
of.the conditions set forth b~low. ·

You acknowledge that the Loan is in default, with the payment due for August 1, 2008·iind all;'p_~yments
due.thereafter, as well as certain other fees and expenses, being unpaid and delinquent. The purpose of
this Modification is to resolve ti.le delinquency in your Loan. ·

As o:f the date of this le.tter: and prior to the Modification, the unpaid principal bal,mce ofthe L6an is .·
$69,210.95. The following Arrearage, less your good faith payment, will be added fo th.e·l!npaid printipal
balance of the Loan: · ·

I. "total Interest Payments due through February t, 2009. $4,79033

2. Past Due Esc.rov.r Payments $1,446.33 .

3. Corporate Advances $106.75-

4. Attorney's Fees and Costs $0.00

$6,343.41

Note: Corporate Advances are estimated as ofthe·approval ·date, additional advances 1~1ay incur
between the date of the approval and the date the Loan is modified. Also, the.past due principal.
payments have been excluded from the Arrearage set forth above. ·

SA00433948
Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 192 of 27 _
·instrument#
Book: , 7.172
Page~- 1236

. . . . .

To complete the Loan modification process the follo,ving conditions must be met:

• Th~ signed and notarized Modification Agreement i:nusi be receiv~d no iateiihan irebruary
11 2009, along with a good faith payment ·in the amount of $567.00. This must be made by .
cashiers or certified check.
- • The Modifi<:alion Agreement is contingen1 upon receipt ofa subordinati~n ~greemeri.t frorn
any jw1ior lien holders. · ·

This Agreemenl will be considered null and void if any of the conditions set forth -above are no(satisfied.

Send all items set forth above to the following address in the prepaid OHL Envelope provided_:
Chase Home FinanceLLC
CA2-0B2s ·
I 0790 Rancho Bernardo Rd
San Diego, CA

If any Borrower to this Loan is currently under the protections of the_ autom_iltlc st:iy in . a .
bankruptcy p.roceeding, or has received a discharge in bankruptcy with regard. to any amounts _d ue _
under the Loan, this Agreement and any related Modification ·Agreement executed •in connectioit
herewith is entered into to evidence your intent to remain - in .t he property and not to impose _._
personal liability for the Loan in violation of any ba11~ptcy law.

Chase's goal is to provide the highest level of quality service: If you have any questions;_ple~se contact
· t)le Loss Mitigation Department at (877)838-1882, .Extension 52195, Monday through Frid~y,Jrorn 7:00
a.m. to 5:00 p.m., Pacific Time. This is an al/empt to collect a debt. Any information obtained througl, · ·
this communication will he used/or that purpose._ · · ·

Sincerely,

Loss Mitigation Department

L~nclosurc(s):
· 1. Modification Agreement ·
-2. I Prepaid Envelope

. . . .- .
2

··- ,.· ____, _ ·. . . .. .· ~ .. - . -..;

SA00433949
 Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 20 of 27

C')

. . . ..
.. ' ... .

CHA SEO · • ·
Chase Hume Filrnnc,· I.LC (('A2-01!18)
I07 11{) R,rndw l:k-1 nardn /~11.od
S~n Di~gn. ( 'A ()1127

February 13. 2009

PATRJCJ/1. B KING

DE LEON SPRINGS. Fl.. 31130-

Loan Modltlcatio n
Re: Loan
l'ropcrty -Adclrcss ;.
. DE LEON SPR, FL 32130

Dear Mortgagor(::):

We an: wri1ing. 10 inform you that yqur Loan Modi li1:ation Agreement has been received and accepted;.
\\'ith the following changes: ·

The int(TCS[ rate hc1~ bl.'Cll ndjus[cd frorn 5.000% lo 5.000%, effect-i~e 03/01/2009 thro~gh the lllilturity
..
date of the loan. ·

Thi:' month I>; principal and interest payment has changcti li·om $43\17 to $410.22, ~ffective O.W 1i2orj9
thrnugh the maturity d,ltc of the loan. ·

The unpaid principul balance bas changed from $74997.36 to $74997.36, effoctivt• 03/Ul/i009 . .

Your account now· n:lla.:cts the terms oflhe new Agreement . .

Please note ·that ul I new changes to your month ly payment under the Loan Modilicatio11'Abrreemenr n:,ay
·. ·
not include adjustment s for a shortage in your escrow account due to increases in t
. nxes and ·insurance. .f
1
yot1r payment is subject w these charges, they wil I be nddrcssed separately i11 the yearly escrow analysis:..

A copy of the: Loan Mod1tication Agreement signed by un ~)fficer of Chase Home Fina,icc I .LC has' been
enclosed for your records.

lf you ha vc any questions. please contact us ut the number below. At Chase-, we value you as ~ ~ustomer .
·· and want lo cnstire your continued satisfaction.

Si111:crcly.
Homcuwncr's Assist.1111;~• Department
Chase Home Firrnncl' U.C
( n7J 838-1882 Ext. s2195
(800) 582-0542 TDO .1 Text Telephone

Enclosun:

SA00433950
Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 212015-188092
Instrument# of 27 #20
Book: 7172 .
Page:: ·1238

I. Ctipy of l.tian tvlodilicalion Agreement .

For Cali forn1u cu:-tnmcrs, rhe state Rosenthal r-air Dehl Collection Practices Act and the li:tk·ral Fair Debt
Colb.:tion l'r,1d1cl:s 1\d r,:quirt· lhat. except undc1· u11usual·circumsta11ccs, collectors moy tiorcontact you.
bd"orc 8 ;.1.111 . nr a l'rcr () p,m, They riwy not hara:-s you hy using lhrclils .of violcnc~ OT arrest or P)' using .
11b:wcnc la11gw1gc. (\)l!cc:1ors may not use false tW misleading statements or C.l.\ll yoµ at w9rkjf they krimv
oi· huve reason 10 know that you may not receiv\! personal calls at. work. For the most. part, collectors m.iy
or
not tell anotht'r pcr:m!l. other than your attorney spouse. about YOUI: 'd_ebt: Collectors may
contacl . .
another. pcrso_n to con fi1m your location .or en force a judgim:nt. For more information about d_ebt
collecrio11 uc11vities. you may contact the Federal Trade Conimiss'ion toll-free at Js877~1 ·rc-l-lE'I .. P oi- .
1

w1vw. fie. gov.

Chas!: llnmc: 1-'innrn:e I.LC is atten~pting to collect a debt. and any. information obtained wi_ll.bc:u~ed for
thur puqim,c. · · · ·

\-Ve 11_1.l)'·rcporl inJor111n110n about your account In credit bureaus . .Lale payments. missed :paymcnts, or ·
other dcfaLills llll your m:~ounl muy bcrdlectcd in your c.redit report. .. . . ·. .
. : . . . . . . . . .·

If you urc rl.'prcscnred by an attorney, please refer this letter to your altomcy and pro,•ide us with the
at1orncy·s m1111L'. addre~~- and telephone number. · .·
·. . . . . . :" .

'i'o rhe ·exttnl y11ur original obligation has been discharged; oris subject to an a·u10111a1i_c stay of
bankri.1ptcy under T1lh: l 1 ol' the Unilt:d Stalt:s Code, this notice is for complinrice and/or informational .
purposes only and docs not-constilulc a demand for payment or an atteri1p1 to impose personal liability for
such oblig;iuon . · · · ·

· FC507 ·

. .. .
, ....:_ ·· ._ ..
- - - - ···- ·

SA00433951
 Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 222015·"188092
Instrulllent# of 27 # 21 ·
Book: 717.Z · .
I Page:- 1239

After Recording Return To:

Chase Home Finance, LLC .:- . .
'3415 Vision Drive
Columbus, Ohio 43219

' .;

I·

(Space above for Recordin{Data)

LOAN NUMBER:
Y45
_LOAN MODIFICATION AGREEMENT.

. · 1'his Modification Agreement (''Agreement"), is made as.of; March 1, 2009 b; and betweeJt J>atridli B .. .
· · King, ("Bo rrowcr") and Chase Home Finance LLC, .("Lender") as holder,. or as ·the authorized ·
Servicer for the current holder, of a Loan ( the "Loan'') evidenced by that certain Prom1.ssory .Note'.
including any riders attached thereto, (the ''Note") .dated October 30, 2007, in the original.1>rincipal
amount of $69;390.00, and secured by a Iien (the "Mortgage"), on that certain property commonly. known
as De Leon Springs; FL 32130 (the "Property"). .. · ·

Whereas; at Borrower's request; Lender ho.s c,Jgreed to modify the _terms of the Note.

Now, therefore, in consider~tion of the premises and the parties' mutual agr~em~nt J1erei,n; the
parties agree:

I., Modifications, The Note ,viii be modified as set forth below upon timely executio1~ this of
Agreement by the Borrower; delivery of this Agreement to Lender and satisfaction a
of. ll other
conditions communicated by Lender to Borrower in writing. · · · · · · ·

Effective March 1, 2009, the unpaid principal baiance of the Loan wHI be ·.
increased/decreased from $69,220.95 to $74,997.36.

Effective February 1, 2009, the interest rate will _be S.0000%,:

. .

Effec.tive March 1, 2009, the monthly principal and interest payment wHI
be
The principal and interest payment does not ilwlude any <1mount for the payment -of ta.xes
and/or insurance·. · ·

SA00433952
 -----
---- --- - - - - -Document
Case 1:15-cv-00293-LTS-RWL -
429-28 Filed 09/30/19 Page 232015-188092
Instrument#· of 27 # 22-
- B □ ok: 7172
Page: 1240

2. Release and Waiver of Claims. In consideration of Lender's agree1nent to enier into this
Agreement, Borrower releases Lender ( and the holder of the Note if other tbazi Lender) from any
and all claims, demands and ca\1ses of action of any nature, whether k!lown or unknown, arising
out of, connected with or incidental to the Loan.- .

3. Conditions. The modification(s) of Section I are subject to the following representa~i~n;;' of the .
BQrrower: : . . · · · · •

Borrower agrees to execute such other documents or pape"rs ~s

, effectuate the terms and conditions of this Agreement.
.1nayhe necess~ lo
·

Borrower represents and warrants that .o ther than the Mortgage~ thfi Prciperty is . not ·
subject to any liens or encumbrances except for Hens previously disclosed to Lender. ·

Borrower represents that it is the ownerof th~ Property and that it has not sold ; or
otherwise transfe1Ted an interest in the Property to any other person or entity. . .·

4. Other Provisions Unmodjficd. Except as exprei;slymodified by the tenns of this Agreement, th~
rights and obligations of parties under the Note and Mortgage shall remain unmodified and in fulJ
force and effect. · · ·

If, since tbe inception of the Loan and prior to the date ofthe Agreement, Borrower re~eiv~d a di~ciiarge ·
in .bankruptcy without reaffirming th~ underlying debt, Lender is not attempting .to rees~ablish . any ·
personal liability for the loan. · · ··

[Signatures continue on following pagesJ _·

. THE - REMAINDER or THIS PAGE ·1S INTENTIONALLY LEfi -.-BLANK

SA00433953
 Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 2420.15-188092
Instrument# of 27 ·# -· 23
Book:· ·7172·_ ··
Page: 1241

BY SIGNING BELOW, Borrower accepts, acknowledges, and agrees to the terms, conditions, :and
covenants contained herein.

BORROWER: ·
••• - · ) I ~ • J• ' '

J~uJr.tr-~Q t ~i'--:Lj~_l ~L--·:..

1
·

Patricht King B '~J

Witnesse~ a}/o all signatures:
.,, _;1 ._ I/ ..,...,-::.-~ --. :• ·.· ...•.
.JJ~f i, .• ,;,1---/ r:. , ,· ·~: ------
_' . . ./::1 ~,(.;1_;.S.~(/ _,J''•·•:·..~\ ,/ • ~. :•_.·.< ·••·••, . ,•,,...r,r

(printed witness name) (p_rinted witness naine)

RS
ACKNOWLED GEMENT(S) .OF BORROWE_

l /.
STATE OF
COUNTY OF
-~""·•- ··/ - ------
~ ----· -~·

Before me. a Notary Public. in and for said County. personally appeared the above nan1ed Patricia B ·
King and who, being personally known to me a~knowledgcd that he/she did sign the foregoing_.
instrument, and that the ~ame is his/her free act and deed , ·· ·

In Testimony Whereo r. r ha.w hereunlt) stibs~,dbed nw na_me und .a:i1ixed n1y of11c:iat -~1al·at
;_1..:.,_· ..\ .. L ..i :~--1-.:..:.:.....-.-.~·- ·1hi~ j ·i i.l_
ayoT • ,;-:: /,;,,, ,(, · 1 .2d_{).

!' •:i>/,1, //{/J ,--L c,·0 .,'

---·-- - - . · N,if~cy.Public
tvty commission expires: . L ___ y -} c!/ _____ ·-•·--·--· ._., ., ·./·
,./'
,..,,,,,t,a-~l"I ,111.n :1'of'\~l'. . ••n••:tOlt~••-'°•1•,~'"'·•"! ..
• . '0E80IU.t1 LEON .· · · :
-~ ,>ll••.,.,;. ~mt,: _- thn i
-~ -~• ~plre16(4~01.l· E
: I U ,.~.(, ' . ·,: ~ ~ -:~ -~ ••'. I{~_ i ,,
;,_,, . ,.'.{1·.i••"~.-•iucat,~•U••~.u~u., o~_!u•

i. 5
I
I

SA00433954
Case 1:15-cv-00293-LTS-RWL
. ···- ···-Document
. ·- 429-28
·--- Filed
- - - ······ 09/30/19 Page···· 25
- -·· --- of ····
27·- - · ---,-,--

(Vice Prcsid 1t-Y.cC,.1rty

,

Witnesses as to alJ signatures:·

-·· ---·- - - -- - - - - ( printed witne!iS name)

( printed witness name)

ACKNOWLEDGEMENT OF. LENDER

STATE OF CALIFORNIA
. COUNTY OF SAN DlEGO

On before me,
(insert nome and title of the officer)
personally appeared __ ________ ....... ---······ · - · - - - - - -- -.- -"-----·' who provided to me ..on the basis .·..
of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the Within instrurnei1t and.
acknowledged to me that he/she/they executed the same in his/hCr/their authorized capacity(ies), and that . ·
by his/her/their signatures(s) on the instrument the person(s), or the entity uponbehaif of which 'the
person(s) acted, executed the instrument. . · · ·
. -· . ·:

I certify under PENALTY OF PERJURY under the la,vs of the.State of California that the for.egoing
paragraph is (rl!C and correct. . . .

WITNESS my hand and tbe official seal.

SA00433955
 Caseent#
. Instrum 2015-188092 # 25
1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 26 of 27
Book : 7172
Page : 1243
Diane H. Matousek
Volusia County, Clerk of Court
,. r---~
l
- -·-
j
I
.I ACKNO WLEDG MENT · ·
i .·.
i .

I
I
I · State of California
I
r
County of San Diego } ss. r
I
lly appeared ·
On February 13, 2009 before me, Laura C. Jones, NotaryP ubllc, persona

CATY MC CARTY
the person(s) whose -·· ·
. ,who proved to me on the basis of satisfactory evidence to be
ledged ' to . me ,that
name(s) is/are subscri bed. to the within instrum ent and acknow
(ies); and· that by ·
he/she/they execute d the same In his/her/their authorized capacity
the entity upon behalf of •··•
his/her/their signatu res(s) on the instrum ent the person(s), or
nt. · · · ·
which the person( s) acted, executed the instrume
of Californ ia that the
I certify under PENALTY OF .PERJU RY under the laws of the State
foregoing paragra ph is true and correct. . .

WITNES S my hand and official seat.

··········••·•·· ······· ······· ······· ······· ····~ ... ~. ~.·...... ~ ...•....• ~ .... ~.
OPTIONAL INFORMATION

Thumbprint ofSlgne r
· Date of Document
. .

Type or Title of Docume nt .M001FfOATl0N,AGBEEMENt

Number of Pages in Document ._

Document:in a Foreign Language

Type ofSatisfactory Evidence : · .

_ _ Personally Known with Paper Identification·
·_X_ Paper Identification
_ _ C~edlble Witness(es) ·0 Check here If
· no lhumbprl(ll
Ii Capacity of Signer:
__ _ Tru.stee ·
:........:-- Power of Attorney
or fing_e rprint
_is available. ·
l
I
j --=
·
CEO/ CFO/ COO
Presiden t / Vice-President / Secretary/ Treasurer
Other: _ _ _ _ _ __ · - ·~ - - - , - - . " -
I
.. • I
Other lnformatio11~ r

I
I
!.

-·- ·. ·- -'-----'--- "----~-'-' '---'----'c ....:__;

SA0043 3956
Case 1:15-cv-00293-LTS-RWL Document 429-28 Filed 09/30/19 Page 27 of 27

SA00433957