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STERN, LAVINTHAL, FRANKENBERG LLC
Eisenhower Parkway - ,iri'f
LIvingston, NJ 07039 1"',
(973) 740-0700 , 1\ , ,.
, ,'200800803
Attorneys for Plaintiff
HOME LOANS, INC.'
, Plaintiff
SUPERIOR COURT OF NEW JERSEY
ESSEX COUNTY
CHANCERY DIVISION
VS. Docket No: f- <1 '123 ....
Civil Action
PING ZUO; MRS. PING ZUO, HIS WIFE and
UNKNOWN TENANTS/OCCUPANTS 1-5
Defendants
COMPLAINT IN FORECLOSURE
olZF
COUNTRYWIDE HOME LOANS, INC., with an office at 7105 Corporate Drive, PTX-B-346,
PLANO, TX , 75024, the plaintiff in the above entitled cause, says:
FIRST COUNT
1. On the date set forth in 1-a following, the obligor(s} named in 1-b following, in the sum set
forth in 1-d following executed to said obligee so named in 1-c following, an obligation, bond/note,
dated the date set forth in 1'-a following, to secure the sum set forth in 1-d following, payable on the
date set forth in 1-f following, with interest at the rate per annum set forth in 1-e following, payable
as set forth in 1-g following:
1-a. Date: April 27, 2007
1-b. Obligor(s): PING ZUO
1-c. Obligee: COUNTRYWIDE HOME LOANS, INC.
1-d. Amount of Obligation: $262,500.00
1-e. Per annum interest rate: 6.625%
1-f. Due date of Obligation: May 1, 2037
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009923-08_000001

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1-g. Manner of payment of Obligation: By the payment of the initial sum of $1,680.82 per
month in equal monthly installments for interest and principal commencing on 06/01/2007 and
continuing on the first day of each month thereafter, with a final installment of all accrued and
unpaid interest and any unpaid principal on or before 05/01/2037.
1-h. The note and mortgage do not contain a pre-payment penalty clause.
2. To secure the payment ofthe aforesaid obligation, the obligor(s), named in paragraph 1-b
above, executed to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE
FOR COUNTRYWIDE HOME LOANS, INC., (hereinafter, Mortgagee), mortgage of even date with
said obligation, and thereby conveyed to the Mortgagee in fee the land hereinafter described, on
the express condition that such conveyance should be void if payment should be made at the time
and times, and In the manner described in said obligation. Said mortgage was duly recorded on
the date set forth in 2-a following, in the County Office set forth in 2-b following, and in the County
Mortgage Book set forth in 2-c following:
2-a. Date mortgage was recorded: May 15, 2007
2-b. County Office where mortgage was recorded: Clerk/Register of Essex County.
2-c. Mortgage Amount: $262,500.00
2-d. Mortgage Book 12054, Page 7586
2-e. On March 12, 2008, said obligation and mortgage were assigned to
COUNTRYWIDE HOME LOANS, INC .. by written assignment to be ~ e c o r d e d .
3. The mortg,aged premises are described as follows:
See Schedule "Au annexed hereto and made a, part hereof. The Metes and Bounds description is
from the mortgage that is the subject of this foreclosure.
3:-a. The Note and Mortgage are currently held by the Plaintiff.
3-b. This is not a First Purchase Money Mortgage.
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4. The obligation aforesaid contained an agreement that if any installment payment of
interest and principal, taxes and insurance premiums should remain unpaid for thirty (30) days after
the same shall fall due, the whole principal sum, with all unpaid interest and late charges, if any,
should at the option of the above named mortgagee or its heirs, executors, administrators,
representatives or assigns, become immediately'due and payable.
5. The' following instruments appear of record which affect or may affect the premises
described in paragraph 3 above, all of which instruments are subordinate to the lien of the
mortgage set forth in paragraph 2 above:
a) PING ZUO executed the mortgage as an unmarried person. The present marital
status of PING ZUO cannot be ascertained and defendant MRS. PING ZUO, the
unknown spouse of PING ZUO is hereby named for any interest or right she may hold in
the property. Any title interest, dower/curtesy or possessory right, if any, acquired by
MRS. PING ZUO was subsequent to the subject mortgage. Any interest or right she
has in such property is subordinate and subject to the aforesaid mortgage. MRS. PING
ZUO, HIS WIFE is made a party defendant by virtue thereof.
b) UNKNOWN TENANTS/OCCUPANTS 1-5 is made a party defendant hereto as
he/she occupies (a portion of),the mortgaged premises described in paragraph 3 of the
. First Count and for any right, title or interest claimed by him/her with respect to the said
premises by virtue of hislher occupancy of a portion thereof. However, no possession is
sought against any tenant protected by the provisions of the New Jersey Anti-
Eviction Statute (N.J.S.A. 2A:18-61.1 seq.). UNKNOWN TENANTS/OCCUPANTS 1-5 is
madea party defendant by virtue thereof.
6. Pursuant to the terms of ,the obligati.on referred to In paragraph 1 above (the .terms of
which are in the mortgage referred to In paragraph,2 above), the obligee named in
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009923-08_000003
said obligation reserved the right to pay taxes or other liens affecting the preniises herein
described,' which liens are superiot to the lien of the mortgage referred to in paragraph 2 above and
which liens, when paid by the obligee or assignee, 'together with interest thereon as provided in
said obligation andinortgage, are to be added to the amount due on the obligation and mortgage.
The obligee may be required to pay such liens and/or insurance and necessary expenses to
preserve the security during the pendency' of this action and will demand that such payments so
made by said obligee or assignee together with interest be added to the mortgage debt as
aforesaid and secured by the Plaintiff's mortgage.
6-a. Said note and mortgage further provide that the Obligee may collect a late charge not to
exceed 5.000% for each dollar of each payment more than fifteen days in arrears to cover an
extra charge in handling delinquent payments.
7. By the terms of the obligation and mortgage referred to in paragraphs 1 and 2 above, an
installment payment of principal and interest, taxes and insurance became due on 10/01/2007.
Said installment payment and all subsequent monthly installment payments have not, been paid.
The defendants named in paragraph 1 ... b above, or the grantee or grantees, if any, of said
defendants, are in default having failed, refused or neglected to make said payments to the plaintiff
herein as required. ,Plaintiff herein, by reason of said default elected that the whole unpaid principal
sum due on the aforesaid obligation and mortgage referred to in paragraphs 1 and 2 above with all
unpaidiQterestandadvances made thereon shall now be due.
7-a. The date of default is 10/01/2007.
8. Any interest. or lien on the premises described in paragraph 3 above which the mortgagors
named in paragraph 2 above or the grantees of said mortgagors, or which subsequent
encumbrances or lien holders, if any, named in paragraph 5 above, who are the defendants herein
have or claim to h,ave in or upon the aforesaid mortgaged premises or some part thereof are
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"
subject and subordinate to the Uen of the mortgage set forth in paragraph 2 above, which mortgage
is held by the plaintiff herein.
9. At least 30 days prior to filing the Complaint, plaintiff complied with the notice requirement
of Section 4 oftheNew Jersey Fair Foreclosure.Act.
WHEREFORE, the plaintiff demands judgment:
(a) .. Fixing the amount due on the mortgage referred toJn paragraph 2 above;
(b) Barring and foreclosing the defendants and each of them of all equity of redemption
in and to the aforesaid lands;
(c) Directing that plaintiff be paid the amount due to plaintiff as provided in the mortgage
set forth in paragraph 2 above, together with Interest and costs;
(d) Adjudging that the lands described in paragraph 3 above be sold according to law to
satisfy the amount due to plaintiff on the mortgage set forth in paragraph 2 above;
(e) Appointing a receiver of the rents, issues and profits of the lands described in
paragraph 3 above.
SECOND COUNT
1. By the terms of the obligation and mortgage referred to in paragraphs 1 and 2 of the First
Count of this Complaint, the plaintiff herein is entitled to possession of the tract of land with the
appurtenances as more particularly described in paragraph 3 of the First Count herein.
2. On the date set forth in 2 ~ a following, the plaintiff, by the terms of the obligation and
mortgage aforesaid, became entitled to possession of the premises described in paragraph 3 of the
First Count of this Complaint.
2 ~ a . Default Date: 10/01/2007
3. The defendants named in paragraph 1 ~ b , paragraph 2 and paragraph 5 of the First
Count of this Complaint have or may claim to have certain rights in the premises described in
paragraph 3 of the First Count of this Complaint and by reason thereof have since the date set forth
in paragraph 2 ~ a above deprived the plaintiff herein of the possession of the premises aforesaid.
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009923-08_000005
WHEREFORE, the plaintiff demands judgment against the defendants or anyone helding
possession under them on behalf of itself as well as the successful purchaser at the foreclosure
sale:
(a) For possession of said premises.
(b) For damages for mesne profits.
(c) For costs.
STERN, LAVINTHAL, FRANKENBERG & NORGAARD, LLC
BY:
~ ~ ~ ~ ~ - = - - - - - - - - - - - - - - - - - - - - - - - - -
Michael Vardilli, Esq.
Attorneys for Plaintiff
DATED: March 12; 2008
CERTIFICATION
I hereby certify that the matter in controversy is not the subject of any other Court proceeding or
arbitration and that to the best of our knowledge and belief, no other parties need be joined at this
time, and that no other proceedings are contemplated.
Michael Vardilli, Esq.
DATED: March 12, 2008
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009923-08_000006
CERTIFICATION
I, THE UNDERSIGNED, Am an Attorney at Law of New Jersey with the Law Firm of Stem,
Lavinthal, Frankenberg & Norgaard, LLC, attorneys for the Plaintiff in the within action, and the
person actually entrusted with the conduct and management of the case. I aver that prior to the
filing of this mortgage foreclosure complaint, I have received and reviewed a title search of the
public record for the purpose of identifying any lienholder or other persons and entities with an
interest in the property that is subject to the within foreclosure.
The effective date of the title search is 03/03/2008
I certify that the foregoing statement made by me are true. I am aware that if any of the
foregoing statements made by me are willfully false, I am subject to punishment.
Michael Va rdil Ii , Esq.
DATED: March 12,' 2008
Unless you notify us in writing within thirty (30) days after receipt' of this letter that
the or any part of it, is disputed, we will ,assume that tJle debt Is valid. If you do
notify us in writing within thirty (30) days after receipt of this letter that you dispute the
debt or any part of it, we will obtain verification of the debt and mall It to you. Also upon
your written request within thirty (30) days after receipt of this letter, we will provide you
with the name and address of the original creditor' if different from the current creditor.
This letter is an attempt to collect a debt and any information obtained will be used for
that "
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009923-08_000007
SCHEDULE "A" .
.. ALL tHAT CERTAIN tract or parcel 01: land and premises situate,'lying and being in the
CITY OF. NEWARK, COUNTY OF ESSEX and STATE OF NEW JERSEY being more
particularly described as follows: . '
. ',.::
Being known and designated as Lot 151 and part of Lot 152 as shown on a certain map
entitled "Map ofWeequabic Park Newark, filed in the Office of the Essex
County Register on August 11, 1911 as filed map no. 618.
Being more particularly described as follows:
Beginning at a point in the northeasterly line of Mapes Avenue distant 172.50 !eet
southeasterly from its intersection with the southeasterly line of Mapes Place, and
running; thence
1. North 39 degrees 24 minutes East 100.00 !eet; thence
Z. South 50 degrees 36 minutes East 37.50 feet; tbence
3. South 39 degrees 24 minutes West 100.00 feet to a point in the northeasterly line of
Mapes Avenue; thence
4. Al<,ng said line, North 50 degrees 36 minutes West 37.50 feetto the point o.rplace of
BeWnning.
The above description being drawn in accordance with a survey made by Wm. DiMarzo
& Son, .Assoc. Inc. dated' August 16, 2001.
" Known and designated as Block 3642 Lot 6 on the Official Tax Map of the CITY OF
NEWARK, ESSEX COUNTY, NEW JERSEY' .. .. . .
"
Commonly known as 37 MAPES AVENUE, NEWARK. NEW JERSEY 07112
009923-08_000008
j
ALAN F. SUCH-
HeNRY H. FEIN.-
PHILIP A. KAHN.
JAMES E. SHEPARD
GREGG P. TADAKIN
ERICS. KAPNICK-
DEIRDRE R. WHEATLEYLlSS_."
VINCENT DIMAIOLO, JR. 0
MARIO A. SERRA, JR.
PETER R. DAY (1957.1990)
- ALSO MEMBER OF NY BAR
o ALSO MEMBER PA BAR
ALSO MEMBER MD BAR
o ALSO MEMBER lolA BAR
ALSO MEMBER FL BAR
f MEMBER NY BAR ONLY
tit ALSO MEMBER cr BAR
LL.M IN TAXATION
- ALSO MEMBER U.S TAX COURT
+ ALSO MEMBER DC BAR
CERTIFlEDELDllRLAWATTOIUlSY
CERTIFIEDBVTHE SUPREMBCOURT
OFNEW JERSEY ASACIVIL TRIAL
ATTORNEY
FEIN, SUCH, KAHN & SHEPARD, P.C.
COUNSELLORS AT LAW
7 CENTURY DRIVE, SUITE 201
PARSIPPANY. NEW JERSEY 07054
(973) 5389300
FACSIMILE (9'H) 5388234
" lVww.feinsll::J/.c011l
kEeP WI}HFlLE
Ofc;ou .... 1
DONALD A. RICHARDS .. '
SHARI SEFFllR.
ROBERT WINTERS'"
MICIiAELS. REUTER +
DOUGLAS S. CHARIPPER.
IlRIAN KINCAID-o
HEiDI FEYLER t
ORlAN P.S. McCABE
MICHAEL S. HANUSEK
SMllTPATEL-
RICHARD ZIMMERMAN
JOSHUA S E A R . ~ 0
KRISTeN A. KLiCS
,TAMMY TERRELL 0'
STEVEN A. LOEB.
NANCY I" CAMPANOZ7.1
I'IICHOLAS J. CANOVA
RAY A LEBRON
DAVIDJ. LEVINE
ALVIN L. DARBY 0
JACE C. MCCOLLEY
RICHARD D. FEMANO
MEUSSA UCKER .0
RICHARD A. GERBINO ..
JESSICA A. BERRY
MONICA O. CHRISTIE
PLAINTIFF REQUEST FOR SHERIFF SALE ADJOURNMENT
FROM: David Kratz
TO: ESSEX COUNTY SHERIFF
OUR FILE NUMBER: ZCW841
SHERIFF DOCKET: 08-9975
DATE: January 16, 2009
FAX: 973-623-9599
RE: COUNTRYWIDE HOME LOANS v. PING ZUO
ON BEHALF OF THE PLAINTIFF i . PLEASE ADJOURN THE SHERIFF I S SALE
SCHEDULED FOR January 20, 2009 TO February 03, 2009.
SHOULD, YOU HAVE ~ ~ QUESTIONS, PLEASE FEEL FREE TO CONTACT ME,
THANK YOU,
David Kratz
SHERIFF SALES
(973)538-4700.EXT. 271
(973)538-8234 (FAX)
PING ZUO
C/O SUPERIOR COURT CLERK
P.O. BOX 971
TRENTON,. NJ08625
PING zud
122 SHEPHARD AVE
NEWARK, NJ 07112
.. ~
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This is an attempt to collect a debt and any information obtained
may, be used for that purpose.
009923-08_000009
STERN, LAVINTHAL, FRANKENBERG & NORGAARD, LLC
293 Eisenhower Parkway - Suite 300
Livingston, NJ 07039
(973) 740-0700
Attorneys for Plaintiff
200800803
COUNTRYWIDE HOME LOANS. INC.
Plaintiff
-v-
PING ZUO; MRS. PING ZUO, HIS WIFE and
BREHITA TABORN, TENANT
Defendant(s)
: SUPERIOR COURT OF NEW JERSEY
: CHANCERY DIVISION
: ESSEX COUNTY
.
: DOCKET NO.: F-9923-08
Civil Action
FINAL JUDGMENT
This matter being opened to the Court by Stern, Lavinthal, Frankenberg &
Norgaard, LLC attorneys for Plaintiff, and it appearing that service of the Summons and Complaint
(and A m e n d m ~ n t to Complaint, if any), have been duly issued and returned served upon the
following defendant(s) who have filed an Answer, which Answer has been stricken by Order of the
Court and pursuant thereto, default having been entered against said Defendant(s): N/A
and it appearing that service of the Summons and Complaint (and Amendment to Complaint, if
any), have been made upon the following Defendant(s), in accordance with the rules of this Court,
and default having been entered against said Defendant(s);
PINGZUO
MRS. PING ZUO, HIS WIFE
BREHITATABORN, TENANT
009923-08_000010
and it further appearing that Sumrnons'and Complaint (and Amendment to Complaint, if any)
have been duly issued and returned served upon the following defendants who have filed an
Answer, which does not dispute the priority or validity of the Plaintiffs mortgage:
and the Plaintiffs obligation and mortgage having been presented and marked as exhibits by the
Court, and it appearing from the plaintiff's certification filed in the within action that the plaintiff has
made an investigation but is unable to determine whether the defaulting defendant(s) MRS. PING
ZUO, and BREHITA TABORN are in military service and good reason appearing that the
judgment applied for should be granted at this time and that the judgment should enter without the
filing a Service Members Civil RftlAct Bond a ,sufficien cause appearing;
It is on this q l day of . ' , ;008
ORDERED and ADJUDGED that the Plaintiff is entitled to have the sum of
$273,148.21 together witn lawful interest thereon.to be computed from April 22, 2008 together with
costs of this suit to be taxed, Including a counsel fee of $ ~ (( <6 I, If:. V raised and paid in the
first place,out efthe. mortgaged premises; and it is further
ORI;)ERED that the Plaintiff, or the, successful purchaser at the Sheriff's Sale, duly
recover a g a i n ~ t the following Defendant(s): ,PING ZUO; MRS. PING ZUO, HIS WIFE and
BREHITA TABORN, TENANT, and all parties holding under said Oefendant(s) the possession of
the premises mentioned and described in the said Complaint (and Amendment to Complaint, if
any), wittl the appurtenances, however, no, possession is hereby awarded against any tenant
protected by the provisions of the New Jersey Antj...Evlctlon Statue (N.J.S.A. 2A:18-61.1 et seq.)
and no Writ of Possession shall iS,sue against said tenants, unless permitted by applicable law;
notwithstanding 'anything herein to the contrary, this judgment shall not affect the rights of any
009923-08_000011
.,:'
person protected by the New Jersey Tenant AntiMEviction Act, N.J.S.A. 2A:18--61.1, at seq., the
right of redemption given the United States under 28 U.S.C. 2410, the limited priority rights for the
aggregate cus,tomary condominium assessment for the six month period prior to the recording of
any association lien as allowed by N.J. S.A. 46:8B
M
21 or rights afforded by the' Servicemembers
"
Civil Relief Act, 50 U.S.C. App. 501 at seq. Or N.J.S.A 38:23C-4. and it is further
ORDERED and ADJUDGED that the mortgaged premises be sold to raise and
satisfy the several sums of money due, in the first place, to Plaintiff, COUNTRYWIDE HOME
LOANS, INC. the sum of $273,148.21 together with lawful interest thereon to be computed from
April 22, 2008 with the Plaintiffs costs to be taxed, with lawful interest thereon, and that an
execution for that purpose be duly issued out of this Court directed to the Sheriff of Essex County,
commanding said Sheriff to make sale according to law of the mortgaged premises described in
the Complaint (and Amendment to Complaint, if. any), and out of the monies arising from said sale,
that said Sheriff pay in the firs.t place, to the Plaintiff, COUNTRYWIDE HOME LOANS, INC.,.or its
attorney, said ,Plaintiffs debt,. with Interest thereon as aforesaid, and"in case more money be
realized by t h ~ said sale that shall be sufficient to satisfy : such several payments as aforesaid, that
such surplus ,be ,brought into this Court to abide the further Order of this Court and that the Sheriff
aforesaid make a report of the aforesaid sale without delay as required by the rules of this Court;
and it is further.
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009923-08_000012
ORDEREDal1d ADJUDGED that the Defendant(s) in this cause, and each of them stand
absolutely debarred and foreclosed of and from all equity of redemption of, in, and to said
mortgaged premises described in the Complaint (and Amendment to Complaint if any), when sold
as aforesaid by virtue of this judgment
-rI!-,
Maria Marinari sypek, p.J.Ch.
Respectfully recommended:
R. 1 OFFICE 0;: FORECLOSURE
009923-08_000013
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NOTE
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009923-08_000014
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1 I am. in cIefank, Note mt1 $6lld IDb a:wIluen telllng DlO _ jf 1 do JIOt pay tho oveordue 1IIl0Ullt by a
cerWn * toPIJ)"!mlae<61ltCl111l1)M!1tOIOIIIItof:V=o1pa1 whiCh hQlIbtbeoJ1paidaad all
tho Into:aeat lhatI oVfe01llhat I\InI)lI1It. ':rh.t bo 1!.1lCBSt 30 days. till) date on wbioh tb llOlico Is maned to or
cIcliVctedbltodlcrmew.
(D) No WmCl:tNoteBol4et .
Bvt1!-it; aU. tim.C'whCl) X amin dmufr,1he NatO dots 1I0tcequhe to PIll' bm:oed1atotyhl flID as dcsaribedabOvt.
' . . '.
,Qt) ofNomBolcler'sCll818 ancllhpPnsI'3
Iftbt NOI!I;r:tolddt 10 full as deacdbed aboVe. tho NDto RoldcrwlU havl)tIletight to be
paid baIlkby me: of'hs c:OSIX mel in e:II1btchIg Ibis NotO to tho not pxol"b1tcclby- IIpJlIicablo law.
l$OIIablo a\tOtM.YII fees.
'I. GMNGOl!'NO'1lCES' . :, , , '
Unless law xeq'Oim a !1iffetetlllllCtlOll, any nollcc Il1at a:mar. be me uxr.&r tbia Note will be givOll by-
aeli.vtd!lgjt arby by mat Class mail to me at1he::Ptopeny .Mdccsa abovo Ot at a dlffCl.'Cl1t If I f).V6 the NolO
RollIetallOllcc ot-srq cIifittqat
Arry notice tb1lt1Il1l1lt'be 8iVlm !otIleNoteB:olr;let\mde: UlisNolO,wm bo giVCll byde1ivcrin8 it or by IlII!.IlIng It by
class DIflil to tho at tho hi Section 3W abovo or IIU diffcJClludc1lte/l$it'X.am ;ive&l anodec of Ibm.
diffecOlltad1fJe8s. .' . . .
8. OBLIGATIONs .' "
If than OI\O'psotl dUo Nolo, per50ll flllly and lIeteODally obligated to keeI) an of Iho PlOO)lsca :madO In
dna Note, thO promis610 P83' \lIo iUlllllXlO\1llt owed. NtJ person wbo is agwnJ\!Of. SllICty or of tbie Noto is
alSo oblip,ed, ID do rhC$O llliDga .Any ,PCl'S0Jl wbo 1IIkos over obllgatiom, jacludiDg !he. ObligotIctI:I of gDIIrIII1tOr, SQreI;Y
or endoxser Note, is also obligated to keep Ill! oflho made in thIa Nole. Tha NotollOldet may l181ights
under IfJis Note ptrson Individually oragtllnst all Ofua together. ThIs means.tbat any one of ll8 ma.;r bo to
p1I1 au: Of1b<i' lIlUOuIlls'owed 1IIIlIetlbkNoIo.

who has \1ndOF lIDo NolO Wl\ivo tho rJ..g/)I$ of Presentmt:D.t 1IIId NOtice of DIshorIQ!.
"l'ml!eIllXlW\t" means ri8btto thO NOIt; to delnlllld of dllo. "Notic:o of Dis bOn or" 1XI6BD$1h6

10.lJNDI'OBMSEctJREl)NOTE
'l'bls Note is a 1I!iitoxm.inslrWl1ent with Jh,ited, varlali.ons In soma to lbo prolCCliOll8.given to 1ht
Noto lrDldet 'DIKlIIr 1bi$ NOID, B Deed of 'lnI$t, or Seoudly Deed (file Sewdty lDsllW.CIlt"), dated tho 8IImO dare lIS
thir Note, p:oteCtS thO NCIb llo1dt:r fiOmpossibio whlch xnljhucsult ttl do 110t keep the 1lfOIDi$Cs which I make m. tbI&
Nato. That how and mak&
of.au amounfalo'l'iollildertlliSNbUl. tonows; ..
lfan part of1bC Pto,PCUy ouny lnteXeat In 1110 Is sold (orifBotrowetianot
a lI8IImil pcuon 3IIll a bcaoficial mterest )A l!ouowel: Is sold or without I..cndots vdor w:d1teIl
consent, I..elldet fIJl!I1 requlto lmInel'liaTt in fu\1 Of all SI1lIl8 by this Secw:ity
JlDtpe=rc1aed byx.r.wrJrsvellexcn:isois (l1'OIlibltcd. by Apj!Ioab!oLaw.
this Olltion. I.eQcIet shall
a. pedod or no,t les }ban so dl\yll Acm the date Ibo AOIico is giveJl ill IICOOldanco whh Section 1$ wlthhl wh!.ch
Bol'J'OJIW must JIIIIY an SI1lIl8 6eCUfC\l by.lbls Monlen. IfBoItOWetfllllG to paylheso SIUIIS pxiarm the
offlda pe.pod, IbJdcr mq inv0k4 lIeml\tIecl by thI5 Secwjt,y IllsIrument
'. 1l0lic0 oc dB1nAndui lSonuwcr. .

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.JIouowtr
ISfgfl OriginalOnlyJ
009923-08_000015
. ,
INSTRUMEJIIT NUMBER:
7063373
Official Use Only
: - 'I"
CAROLE 1\: ORA 'YES, REOISTj;R
ESst:XCOUNTY, NJ./
INSTRUMENT !roMBER
7063373
RSCORDEDON
May 15.2001 11:09 am
BOOK:12OS4 PAGE:7'S6
MAD.. COPY __ _
NO COPY
ENVELOPE
RO
/\DDITIONALSTAMPINOS
--r;""1
ESSEX COUNTY REGISTER'S OFFlCE
HALL OF RECORDS t :ROOM 130
465 MARTIN LUTHER KING Jr. Blvd
NEWARK N.1 07102
OOCUME!I.'T TYPE:
MORTGAGE
Return Address (jor recorded documenrs)
COUNI'RYWIPE liqME LOANS
PO BOX 10423'
VAN N\NS C/\ 914Hl
No. Of Pages (excluding Summary Sheet)
Recording F" (excluding Transfer Tax)
Realty Transfer Tax
Amount Charged (Check II 463)
MwJicipality
Parcel Information
First Party Name
NEWARK
Block
Lot
PING ZUO
Second Party Name COUNTRYWIDE HOME LOANS
AdditionallnfoTmation (Official Use Only)
)3
$150,00
SO.OO
$150.00
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COVER SHEET (DOCUMENT SUMMARY FORM) IS PART OF ESSEX COUNTY FlUNG RECORD
.................. u RETAIN THIS PAGE FOR FUTURE REFERENCE , ................. .
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-------.--Es.sex C.ounty. .. ReQister Insl# BK# 12054' PG# 7586,-'-----
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009923-08_000016
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009923-08_000017
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NO.S13 F.71
n E00"'Y
TO SEA 7l2=>
By---------
Aftel'
COUNTRYWIDE HONm
MS SV-79.
i' .O.l':Iox 10.;23
Van NUY15: CA 91410-0423
1
I
//1 .An Attorney at !.
U fhe State of

l'rcpucd :By:
CHRXSSY SANTUCCI
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000)6462489404007
I
jDoc: 11) '1
MORrrGAGE
! MlN lOOOl!!'-OOOi78509GO-8
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Words 'Dscd DlWtipJe.8ccdbns of rhil; de:5DCc1 below aDd oil1m' warda I'IrC defincci In Sccliom: 3.
11. IS, 18, 21. Cen2dn :ruJ= ri>p.zdUJ.II the ot'wcrd$ U$Cd in LbJs document are a3110 provic:lod in
Section 16.
(A) "secUri1;J' mciw8 Ibis doaIlment: which lOS APRIl" 2i r 2007
wilh 'all Riders to lhi$ document
(;8) ":Bon-oWB"18

:BotrO",ct is!lbe Jll9npgor un4cr ibis SecuJity eut.
'IOgct.be:t
(C> "MEltS" is :Mongagc a.emSUill1oo S tcmS, Inc. MBRS Is II I!ePBrare tb1l1 is acting
eolcl;V as Q nominee for Lend aod Lender's and lUl6igXIII. MERS 1& dlo moJ1pEH lmdor tbJs
Sa:arlty )f.!ER.S is orgBnized IUld c:xfa 8 und=' dle laws of t:lel3WatC, :mil bas an addtcss and
telc,phone of P.O. 2026, PiiJ\l, Ml48!iO 2026, tCl. (8S8) 619-MeRS.
(1) "LeJlder" .Is
Ho.w;: X.OANS. :rNC _
LmldcZ'is a CORP<ilIU\:1':tON
CA
(E) "No1J,)" means 1M pl'Oaloissoty note by :Souower and APRIl..27, 2007 The
Noll: slDle$ Wit:Borrowf4 owes U;pdet"
TWO SONDRmD S%XTY 7WO TnOUSAND FIVE UNDRED and 00/100
:OoDan(U.S.$ 262,500.00 ) plus inUre :9orroWC!I' hQ$ promJued to pay Uris debl ;n
to pt\)' in fllUlJotlar.ertJum 01, 2037
NfiW .. u_ UNIFQRN I UUlmTwmI r.ft!IIS
Ci. .aA(N;lf(Q5'll) CHI. (D7.1116)(0I) pX,:,o
OONVNA
Fonn ao31 1/U1 .
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____ ';...;;: ;;;.;.,' . County ReQister .... 7.00"3373 BK# 126'.t;j5G# 7581'_' ____ _
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009923-08_000018
AF R. n 1(1)7 1: 5tlPM
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lR.ANs.F.5"R. o:r luGm'S IN TIm PROPERTY
llUs Len4Ct: Ct) dle (It the; Loan. and #Ind
modificetiOlU of .Ib!: Note; and (ii) lhc pert. lie of l30n-0wer'.t <:OY()UJU>x, e.od agreemc.urs 1IIlder
thh Soc:uri;ty aM tflc. POt' tlIeate plUpo$e:8, dot.f
gnm[ 1Ul4 <:OtJvey TO l:4E!RS (SQ?cly as 'lP' tOf .11M suecC/l$POI AEld us.igllS)
and 10 a..: and assil[rul of MaRS tbe foJ]o' desc:riNd. loclltcdJn rhc
COONrr of 2SS2X
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SEe EU;U:117 "A" .1;.7:1".lI.CBBP nC;RB:to rum A E'AR'l" ru:ru::OF'.
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_____ .. !I':.'.:""": .... 7ioo1; .. =---, Essex CountY
Inst# 12054 PG# ...... :"'7 ...... " ,.--_
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009923-08_000019
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CHICAGO TITLE INSURANCE COMPANY
.SCHEDULE A
NUMBER4
(CONTINUED)
D 'E S C RIP T ION
Commitment No. 07MH49347
.ALL tbat certain tract, lot and parcel of land lying and being in the City ot Newark,
County DC EBsu aud State DC New Jersey, and being mOTe pameularly described as
fonows:
Being known and designated 8S Lot lSI and part olLot 152 as shown on a cenain map
entitled "Map ofWeequabic Park Tract, Newark, NJ", filed in the Office of tbe Essex
County Register aD August 11, 1911 as filed map DO. 618.
Being more particuJarly described as Collows:
Beginning at a point in the northeasterly line of Mapes Avenue distant 17l.5O reet
southeasterly from its intersection with the southeasterly line of Mapes Place, and
running; thence
1. North 39 degrees 24 minutes East 100.00 reet; tbence
2. South SO degrees 36 minutes East 37.50 feet; thence
3. South 39 degrees 24 minutes West 100.00 feet to a point in the northeasterly line of
Mapes Avenue; thence
4. Along said One, North 50 degrees 36 minutes West 37.s0 feet to the point or place of
Beainniog. . ,
The above description being drawn in accordance witb a survey made by WJD. DiMarzo
& Son, Assoc. ID.e.dated August 1.6, 1001.' .
FOR INFORMATION:' BeJng known aDd designated 88 Lot No.6 Block No. 3642 iu tbe tax
records ,of tbe City of NewRrk.
Pago I of! ..
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Inst# 7063373 BK# 12054 PG#
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009923-08_000020
1:5BPM :INHORN. HARRIS tlo. Si;
. DOC .. X1:)
. Wl'l,'B all dle now 01 br:f'cUtcr erec:tCld on tho propc:I1Y. II:Id .all
apputte<oat>cea. and 8:m=s !>O"" 01 nC;fCGbcr pan of !he propcrl:)'. All mplBOCUlctJl$ aDd ad(,titiooa sbBl1 also
be 'by thiS Security JDmu;QJont .An of !.be !orv,oing )s rQ in thlc; SlX:'IIrity .s !be
"Ptopetty." 'Bouowq )m4c:tJta:nds aDd WI! ME!RS beida only Jo,gal ptlc to \be lDW'CDll snnuod by
:B0n'0vtc.r in tbis Sccu.rlty mll'lJ'U_t. WI.' if It) COJ:l!l)ly wilb law c:u.stom; )(2R.S (as nor):llnoe tor .
has 1htt 10 oxcrcl&e any OJ' Ill) iIIoludln,g.
buL llmlted 10. tilt right fO foredosc, !lDd Ihe; PIope;rt,y; ud J,O IDkJ> any action of Lmc!cr
Wcludin$, bot tlot limited to; JCJoasillB and canoolina &his $e=rll)'
1I0RROWSR CQVBNA:NTS IbatBot.rOw..,. is Iaw11Llly of tile ""'te hcn>by conveyGd and Da8 me
. riptlO illc,trpge>. gran, and convey tb" and mill the Propmy 5s IlIDfmpWDl>crcd, for
of rooan1. BoaowlCll' and wiD dcfcad ,Ce.neJ'ally tlIc tllle to Pro,peIl)I' 88-[ 1111
filbje:cito a>:IY ofJ'CCOl'd.
TEnS sBCOlU'f'):' INS'l'RUMBN'l' COIPbi.nc=5 WlItann COVCnaDl:$ /Qr nation") usc; and I),QnWJjfonn
00'1_1:$ 'OIIi1h limited varilorlons by jurisdiolloo J,O conrtitule B unliDJUI SOCUtity Wll"CmCDt covcriu; =Ill

Ol':0:P0RM CO'IEN.JUI'J:S. and Lender OOVCllaJIl I:Od ape B8 foJloW&:
L Painoeotot PdzIdpa), JDter", lteu:u. Clsulles. aDd !AU' Cbarl:OIS. Bonowor
shall pay .. b(:;l1 due !be pri;nl:lpaJ or. IUItj on, flU: debt eyldcuc:od by thO 1'1011> IIIld ""Y pre;po)'DlCnt
oharges md late c:1wge1I due: uu4er thG Norc. lJonvwCl ,baJl e.llSO pay funds for 2acmw 1_ pumaaDt '0
ScetiOn "a. dtJc UR<Jor W, Note and !bill Security Insr:rument shall be IJlIIdiI ill U.s. C\In'CII1cy.
liIowcYU, if mry CN:ck or omer 'iostNmcnt .l"l:>Celved by t.e:ndu aa P"i)'D1e1'1t ulldcr the 01' Sc:o:udty
Wlnm:lClJt is to Lc:zldtr vaptlid, may roqaite that Rl).Y or all IIUb.sequeuC due 1JI1d<:r
the I&1lId !hia SecuritY lAall'WnOllt be Dl8dc hi one or lXIOJ'e of the ioUowtJ\s Il.:I by U:adcr.
(a) e1I$b; (b) monisy (i:) oomiOod bank obcc:k, d1cclt or c:a&bJot's chcdc. prov:lded lIrIy
Iroc;b obcCk !.a \l,POl). a,n hU:d.tw:lOR whOIrC 4c9OIIIts IIJ'C lD.sure;d by Ii f<:dcra] agency. inslrW1lesaUtliIY. ot
or (cQ :eJOOU'QJI,\c Transfer. ,
hym.;olS r'I:IXIi"lc>d by Loodt;r whcG tcCoi"C>d a.t the locatjon In the Note or IIllltlcb
lOCol'lion lIS rtIfI.Y be .. tcx1 by Lendar In ac:coniallce wid! '!be Ilodee: in Sci:doo IS. Lc:cadcr
rtJay rr:ram.1ID)' pIl,)".dlalt or pal1ial if Ille 01' panl81 are to brin; tli.C
LorDI Ldldcr mil)' #cOp' any payment at parlillil payme::at illlIIXIflelmll \be l..o;m cumml.
wilbom waiver of lUI., bacU2KIu 01 pzcjwtic.e 10 j., sigblS to n:fuse payment Of partial p;ryme:nu. )'11
rbe futme. :u Lender accopl$ SI>Ch pa,--IS, It shall apply BUell psymcnlS ct tbe tUn.: sncb payti:lCZlIS
ac:cc:,ptc4. No oJts.cc or claim wbic:h migbt have tlCW or in the nnurc D,g1Ilnsl Lernder shall TCllevc
Boxzuwc:t fmm due; \:alder d1c No= and tb!a Sc:c;urlty or pcdomllng lhc:
aJ1dasm- by thiS $ccurily
2. Applkadpa or or ProcDeds. B:tccpl 88 olJlcn:l.iu in tlUs ScetlOll 2, an payme.ofJI
lu:ec:p\cd axuf app80d by Lancl.c:s' ISbaIl be applied ill rbt t'oIIowmg ordc:t of prlority: (a") tlU..:: undct the
No!l!t (b) prizx:ipal dlleUDdu the Note; (0) IUJlQUJlts dQe \DIeter :3. SIlob $ball be appUod to
each l'ei'i.o6c m the a:rdet' m whlcb h became dut. All)' J'CDJainlDg IIZDOlnlts lIl1al1 be aJ)Plle4 &III to
laIC UlIWY omel' amQ<IUIts d_ uPC1cr this SClCUri'J' ln$tl'\lmcnt. IIJld Ih= 10 tcdw:.: the JIDlICipaJ
belucc Of ebc Nore. . .
Jj-)';.cJ1dcr zi:cclvCII a paymctU fxonl BonowClr foe a deJmgllern Priodic Payment wblc:b blc:1lIdcs a
sufrlCic:nt uDlCJ'llnt to pay any late chlll'cC c:!uc,!he may be appliod 10 tbc and tbe
laic charte. Jf moi'e tbaD onb Periodic hYJ=llt is l.A:Pd.cr may apply any received from
BODtlw"", Iq dlO .rt;pay.mcnt of Ibp Pc:riodic Payi:ooQlII it; .ed rotbe that. c:oob JXI;YDlCDt can be paid in
fgll; To du:: oxt=t tlllal any CXCO$$ c.1dsrs a:ttcr the payment is applied to ebe lull or ODC oc more
Pori odiC lSUab may be.appJjccl ro oDY.Jale cbatgCtJ due, Voluntary sbalJ be
appll04&sf; 10 any ebaraeS axld 1hcn as in the l'101C. -
./Uly or poycncnca, iDsurapcc proc:ecd$. or Mi_UancolIs l',ro<:=ds rQ prizlcipal dIlt: Ulldl:.t the
Note mall not or the. due d.ale. 01 chlalgc thc amount. of wo Pt:riodic Pl\)'l:Zlfmtc.
3. %Vir Eacrow If:aDa. shall PQ)' to l.CIIde:' on the day Periodic Paymcrm are due 1lnder
rhe \l:IlItU vob P.*id in tun, lI'lJ1U!I (the to proVide tor paymmt Of an:l0lm1S live Icc: (a)
and otbor itcmlS wll!ch aua.ln poo.dty (lver ellis SC(\Irity " a lll'lll OJ
0%1 ihc (b) lcelOhoJd paymentsOJ' grwQd r=r.s on We P.rope.ny. 1 aDy; (0) p.rQJliUQlII
for l\I1Y e.nd ail 'by Lender UDder SOCIiOD S; (d) Mon.gagc jJ:rom;llmS, if any, OJ'
any by :BOIJ'Ower to Lender in Jleu of tile pII'JIXIleDt ct Mortgage plePlilWS in
ttlc proVisions or Seaioo. 10. 'l1lC$C IIml$ II%'C c:.Ulcd At. w at
durbl.i Itko tenn of die Louder may bl CoUlmWllty .ASsociatiOl1 Dues. 11ec:s. IUJd
II any. 1:c CSCIOwccl by llD4. socb fCClS at)d $lWl. \)C au:&crow lle>D1;.
sIIaIl funtillh to Lend=' of amounts 10 be plild _au 1:lris SccIlOJ&. :Bon:owc:;':shall
pay Lcn.dc: tbc PClDds lor:e.torow lI=ls unlcas l.aIdct walVCII obllpdQn 10 J>Il)' the :Pu:ndIl for IUJY
or. an:s1:'fQW I(CIIl)$. J:.endea< DlJIY 'OVIIlvc Bonowcra ob1i6aai01l 110 pay to ;Lcndu Funds for IISlY or all
IU!Z2lll at sm'Y. A1tJ' waiyu 4'aY ICIGly be In lD til .. eYOnt of sueb walver.:BOrID'WeT 6baU pay
dlmct1:r! WbC!ll :laid wbcte die amOUDtS dl/ll'> fqr anyl:!5c="" .Item; for wloll pa,..,CO't of Punds hIlS
bc.::o ...aivGd.by 1UJd. ;t'Lc::nck:t RqUircS, .8ba1l .fil.rnjab .10 X"cndcr recelpts ovldenc:ln,s
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009923-08_000021
E I NIiOH . IiAH I NO, 373
. . . DOG! 11' f: 0001.6.4 62'G8940.g 00'7
wilhill web' rime Pcnod as .Lcod.cr maS)' BortOwa"s obliBarion loa ml1kc such IIIlC1 lO provide
J'CIDCipis dla!1 for' all P'IIJ'OSOJ be dc:cola:d rD bo COVcnD!ll1Uld o.rr-naent coatainodin lbis SONrity
lnIst:rumcnt, 3S i$ used ill SC>Ctloo 9, lJ':Boz:n::rwer llobUptcd to pay
acrowlu.:olS dirci/:;tly. pI11"$1l8Dt 110 .. fAlls 110 foI:.AD.:Eactow ltccn,
I..ondd"maY'I!lllc:sdscdrs ri$blll undcl' iii DJUI'pa)' "uch anlOtmt atld :8011'0,., ..... shall tber! 'bc.o'bllpr.eO
ul1d* to :repay lO Lender aD)' IIGCb Lcodcr may rovoke Ille waiver as lO any or. aU :escrow
IlCIXIIi iUaay 'time 1:11' It notiCe j:jvcn In willi Seclion 15 and, vpon &1)011 :rcvocadon, BOIl'Ower. sblllJ
peay fA;> LondU an Pund&. and w S\lcb. anIOlJIUS, nw ar& amu n:qul.Rod Ilndor INs SectiOl1 3. .
. . Lender ma)'. iat .lilly tiaIe, <lOiIc.ot 8Dd boJIl in lID aDlOUDt (a) sutIielcol to per;aUllAldcr to apply the
PIm6s at the. tio:!c'spce:16ed UlldeJ'RBSPA., arid (0) 1101 10 =:oed the max.Qnlll:D amount a JOJ:IdU c;an zeql)ire
u:ndDrR:eSP A. l,.coder dlaU' cslUlWe &he;' amOUl'lt Of dc 00 Ihe basIs of clitia IUld rc;aSo"",'ble
or Gl'paldito.rci.l. ot fUture llM)S or oallcrwtac in IIcco.rdanoo wlthAppJjcable J..aw.
'., Tbc'Pui)ds aiWl be held in an whollO dcpo6its are lo,-un:d by a ..
at entity L.J1der" lC Is &JI iJ:IstifUtioo who:;c dc:posits ;ve .0 insured) or m au)' PoduaJ :Some
l..oanBrmk. I..c:nJor Jball apply lhlt Puuds 10 Pio/ l!I:c:row no later dum me time 5pCCificd Wldt;.r
sfUlU not charSe :Bcaowez fOX 1lO1d.in,g 8Jld aomJallyanalyzing !he' _ow
accollDt, ot tlIe :s._ Lcndct pays Bonowcr TatcrCIIt OQ Ibe PUds and Applicable
l.aw permits Lcnd=r to -S:o INCb _ UnI_ all is znack: in wridDC or .Applicable Law
JO be paid OD tho Fund.$, sbAD not k .tCquiR:c:I 10 Jl8Y BOlrOwet l1li))' iolt:SUt !Y cam.lngs
OIl the Punds. :Boirowcr and L.cuder "" ;11 writlnS. however. rbDJ intt.:reS\ shall pa;d 011 !he: Punds.
Lender ,hall Givo to :8c>.D'OWcr, WIthout c:baz-ee. aD 8IIIUlal ac:oounlin,;: or Iblt Pu:nd5 WI by RESPA.
:If tbc:tc ilil 5WPm .bold in oscrow. 11$ deCmed undor lUlSP .....
foe the fasldII bI. u.ccordance W>r.h lU!SPA. If' then: is II sh<lrtBgc or FuDd.' bcJd in e-ctOW. as c:lcfiucd
undc::r Leader .8ball DOtify as by RBSl"A, 1UI0 Bonowe:r sb$ll pay lI> LcndtJr the
1mI_ ncc:cssaxy to mllkC lip 1he BtlonI8C io "';1h Rl!SPA, blJl in DO than 12 lID01)lhJy
puymcnlB. U Iben: is 8 deficiency of Pwde held m escrow. lIS deflntd _de.!' RSSPA, I..c:ader sball
Boaowc::r.as required by RlSSl"A. and :BotrOWor PbaU to Lcnde:r DlDOUIlt to IJIBItc up the
dcfic:.lc:rx:y jD with RBSPA. but JD no IDCInJ =an 12 l1I00rJJly Pay1:IlCClts. .
Opou p8.)'mIIllt ilt fo1l Qf aU /NISI& IICcured by lhJs Se.c:wiry .hwtw:J>cont. Lender shall protnpdy retune! to
Bonower PImda bold by
4. CbBl'geS; Bonowcr ahllll pa:y aD lIIXCS. asseGBmcnu, cbara_ nne;-;. ao(/. aurlbuUlble
lO lhe :Property ....meb CIIJl anam pjodty over rhl. Sc:eurlty lNb'umenr, lcasdlold p;oo'mctllS '" SJZO\UId rc:Ilra 0%1
tbe iItIld Dues. Pt;CS, IIald if any. To the: COttenl Thalillese
itc'Ol$ am Escrow Borrower shall pay 1he:m ill tho xnMner provided irI Sc=ctlon 3.
Bouowcr promptly discharge my lien 'lYJlich bAS pricrity over this Sewrity UDloss
:Sotrowor. in wriWg to pa;yilIcn, of the ObUJaOop IleeW'Cd by lbe Ueu in IlJXI;umer to
LendQt'. bin only SO Jong ali Bonowcm is pcdo=Jng IIUCh (b) c:onWsts 1M lien in aood faith by, 0:
dcft:nd$ of the Uen in, ,Pl'OCtdinge wblab in Le.adu'5 opinioJ) to pn:v>=nl me
e1l.t'ot'cez:n=t of tba lien wbi)e thOse: p.roc:ocdlna'5 IU'e pending. bUt omy \!DEll SIlb p:rocecdings ate ConoJ\ldcd;
or (c) secwC$ tsOCl1hc boJda of * Iiell' an 110 l.c:tlilcr subordjnalinc die l5en .0 this
It Ler1der tlujl any part of 1bc i'ropet:t.Y is wlljoCt f,O 8 llc:uwbich CQ lIUlIi:n
Ovea' this Security Jmaume:ot.l.eDder Dlay give Bcmowa a notice tbe lion. WitJUu 10
01' tho dale on whiCh thb.1 notice ill siv-. :80n0wu $baJl 88dsfy the lien Or Qke one or mgrc or me a.clioJlS Set
fonb aboVe $.., 1bi$ Scedoll 4. .
'. I..eudcf.may .-equirc lJoJJOl.VIIl" to pay Ii WIIJ'.lICI tor a Teal eslale tax vc:rltir::atitnlandlor
used by _sedon Mtb.tbis LoIIII. .
. :B=weor al!aD tCep die: improvcmenl$ now eltistiDg ot hc:n:a1'lt:r accfCd on !he
PropertY iDa\lftd by IS=, !Deluded wilbin the tcn:D c)tlCSJdcd co-.gc, aDd, any olba!'
ba2:IJrds bill 10, aud Doods. {or Wblch Lc:ndcr J.:qWres m.vurance . Tbis
j-ebaU be DlAintaiDed in the (lncludb!g deducOllJc Jr:Yc:le) IIIlIl fw thcpcriods that Lender
toquinls. What LcoldcI- punuant to 6c:Qcc:nces can change dUrioe tbc tcnu ot 1.0"0.
The rho iDswaucc be M08co by $lJbjcct 10 Lendc.r'8 Agbe lO
disappmv# .::SOllOWcr's choice. wJUcb fisht sbeU not be exudsod unrello$Dllsbly. l..eDc1er May tequire BOl7Owcr
to Pio/, i:D _eadcmwlth &his Loan. either. (a) a cblUse COl' flood :rone. dcrcnmuatlon. ceni.fication
ud acrviees:; or (b) a for fJood %OCC doJenlllDIItIOD r;cmoc& and
subsoqacas. :Cbar&t#C8Cb tiI2Io 01' sb:ollN cheIlBcs Which J'IlGIIODably miBh" aftect aucll
detetminmon 0'1' sllall aJw 1>c; l'Cs,POnsiblo for tile of' ItII)I foes JrDposc:d py1be
J=redcnll Emtcaenc<Y MmlagCZDellt Apncy .In connecDon willi tile nWlew of any flood :tOne der.em1inBtiOll
tctJUltIDg fiaD lin by .
If l'IOa'OWCI' taiI:J' to J>lIIJDr;idn br the. l..cndcr JDIl)' obWn
coverAge. opdQD IIIId Boouwcr's eXpense. x.cudet- Is U1Idct 'DO obJ5sation 10 ,PuRhaao IIIJ,Y
type or $Uc;h covczaae sh4\D CQVCI' Lcoder. but Dligbt Dr xu.igbt nOl: protect
Bonowor. Bonol\>wa in Propt:rty, or the c:onfMl$ ot dle Pmpcny. :axzY risk. or
liat.iJity provide ,an:atu COvcmgD !ban was iD cttoct. l3ot:rower aAalowled,ees
CHL (07XlGl
Fa .... :1031 1/01
, ,
County Ref,)ister: . Inst#:oi.D63373'.BK# 12bs4 PG#'i591--------
',' ,.
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009923-08_000022
27.20{17 1; E NO. en p. 2!1
"
DOC XC f: 00016462489404007
that the coSt of the Insuranee covc:ragc 110 obl'ained might SigDificlIUlt1y exceed the cost of iIlsUl8J1CO thaI
could biave oblainea. ADy B!DOUi;lts disbursed lJ)' Lender UlJde>T this Sec:don 5 sluill bcool'llC Dddluonal
debt of :aoaowCT sc=rcdby this Sccllrily amounts llhall bear pt the: Norc. nile from
thc dale of'disbtlnlc::Ulc:nt and shall be Pflyable, wirh such i:alCI'CSt, upon DOlX;c froua to aonowcr.
rcque8duJ: ' ... , , ... . . .' . . ,
, ,All polici_ by Looder 8XI4 renewals of sucilipolicioll sbaJl be IlUbjcc;t 10 M:ndel's riabt
to disDpproic: /iIlcl'l policicc. lballinclude 8 c:lDUse. and Bh.n as
as ,aD loss payee, Lcnd aball'liIWf: .right to bald me poUdcs and ccn:i1ioaJ08.lt
LeD4er BOnowei' shill] promptly IPYIlIO IIl1reocipts of paid p.nIID1UQ1S usd re:nnvalllodcca. If
Bonowcr obmiDs'lID 1'ozm of illS1Ua1lCe not by :LaIdu. Cor daJ:nJIse to. or
des,w.c:ticm Of. suCh pollcy dial] lDelude a lUtd stUIllllamc Leader as
and/or fIS '!In !additional loss payee; .',' " "
In the t;VCDl of $hall pn:ui1pt DOtice to the In$lb'8Dcc c:::aafCl"w(f,Lender. Leoder may
proof :of JoS$ it ".Oot tIIf,tJe 'promptly by :bort'O'WC1", Un1css LendCr and .Bo:aowCt" othmwiBc ag.rc.c 11)
wril:in. lnIrumnPC proceeds, wbcihcr.or lhe umSerJying in6UnlJlOCO was noqui.rd by lIball be:
appUcd 10 zestorIIXiau or repaU or die PIopcny, if th6 or .-opalr is cc;ooomically feasible and
Lwdaz's &eC\lri?:JI Zs not I>oring SUCh rop!Ur:.md re5toralion pe.dod, Lc:Dd'CJ" shalJ have. the right to bold
.w:h insT.!nnCC J)J"OCCC4s undJ Lc:DdeZ" bas bad lUI opportunity to in.1pCCl !IIlCh PJopeny to ensw'C the work bas
boci:I 00UlPlc:ted to Lender's lRItl$facliOll. provided lbat such iD.q)c:.ction sbaU bc: Lender
lila)' disb_ tor We ao4 IC81OJ1ltlon in II single paymc!lt or in a scriea of progress pll)'DlOnrB
JIB tho wCrlc is UDleGs all Is mode U1 writing or AppUcal!)e Law Jn1el'C&l '0 be
paid. 00 msm:u,,:o proct>edS. Lc.w2er IduIlJ DO' be RquiJ:'ed 10 pay BOlTOwc:.1" any iDfAJeat or earnings on
proc:eeda. f<" pI1blic a.:ljWltcr'B, or othw tbiJd panics. by :aOJJQ_ $haD not be paid 01)' oC
Ibc IDaunIIlce proccedal and sb.all be Cae 1010 of :Borrower. If tho zelltonn::ioD 01' repair ;s not
fe:allOblcor security WO\lld be lessened, the insuxal)CC shaJl bo appl!cd to the
aocurc:d by Ibls loslnUDml., w,h,tbcr or not Iheu due, with tho execss, if 1111)". paid to BOJTOWc,t.
SUeh proceeds Shall be appUod in the' OJdc:r J'tOvldcd for ill SlOCIiou 2.
u: lkJaoowcr IIlbatidoas !be Propcst)'. Lcndc:r may file, ncgotbue and acute 1liiy available insurance claim
IISld rolllte4 matttlS. It doc$ xaot respond within 30 dIsyli; to II notice Lc:odcr lha:f. mo
l> ot!=ed to so:uJe a c:,bim. tbea I..e-adcr may and settle \be claim. The 30-day period will
b.;dn when rhe notice Is &iven. In ei1bor -to or If Lender I\.CqWte$ !be Property under Scc:tiOD 22 or
.BCIml'IYor hereby assilnS to Lender (8) rights to any itl$UrllDOc proo.1:Cdc in an amount
IlOIlO Qceod !be unpaid UIId=" the Note: or Ibis Sccmit)' lomuml::lll, and (b) PIIY odler of J30Jr0wcr's
rights (othcr.lhlm tho n:bl to any refund of lmdImcd Jll'CUliums;paid by :8QrJOww) lIDdctall insurance pOlicies
covering the P.ro:percy. Insorar as such rlgblS IlrC the covc.rage of tbG l'ropcny. Len<kIJ nr..y use
the pn:>oeec;i$ to repair or Jenore the or to pay &I:IlO\lnts napzdd \Uldcr the Note or lhi&
Sccurlly IDJiUlmlc:nl. 'WbCUlcr or llOt men due.. ' ..
c). Ocs:up1llXly IiblIll oi::cupy, c;smbll$h, and UIJe ProJlCZt)' BIJ :BOIrQwcr's prindpaJ J'CSid=ce
within 60 affcr the Qf. Ibis SeCurity lostnltOeDl ad shall eontin'lle to occupy duo Propcrt)' as
:Boao_'s princiPaJ rcs.idcDoc for ,at least O:DC, yc;u- af1cr lbe date: of OCCUPIl:OY. OthCIW:I1lO
ap::cs m wrlling. wmcb CObSCDt shBU DOl be \l:IIJ'c:a$Onably wilbhliJd, orun1.eG:5 CXl-n1ll,C ell.i:st
wbich arc beyond
T. J'nseryatsoD. IUId ProtceUon or the l>ropN'tys hlspec:UoIJ.'J. Bcmowcr .shall nOl
destrOY. impair Property. allo,... the 10 commit waste on tbti 1'1opcny.
Wbccbcr Or not 5s residing m !be Propeny. :aorrowec sblll! mablJaiu Propm,y m oIde: 10 p.rtVmt
the i'.ropM:y.1ioDl doWionding crt <l=Baing m valu\: <Iuc to its condition, Unlcn jt js pUl"5llaQt 10
Sccgon 5 lhatn:pair or J'cStonPoD is DOt CCOIlIlmIcally fculble, .BOrrowt:1 $haU prOIItptly rqlah- tile Propcny if
10 dcurio.t'lltlon or If or con4cmnaUon proceeds 8%C paid ill
CODBeCtion "IVilh (1;),' or tbC ot, the l>wpony. J30n0wcr shIIll be rellpOl\Sible b sepaixblg or
n:stI)rillg the ,Propeny ooly jJ'Lender bas procccda for sUch pwJlOSC$. l.eD<lcT '=.zy disbw,l,lc pmcccd$
for The anll tcQo:nWcn m a ,jDJtle paymCtlt or in a of ali the 'CVOrk is
%i or I;ondemna,tio.o prOcc:eda ate not mfliclent to repair OJ" zestorc the Property.
is ?:I,ot %Wcve4 of' :aorrowCl'1I obUplion for the completion of such JCpCIir or rc8tOi:adoo.
LM4eT lll8)'. make cnaies upQn' 'and or tbo If it b8s
J"CUOnablo ,mspocl the iull:dor of the improvcmcnt$ on lhc Propcn;y. shall give .
:Bonowcr no:.zjoc at lime Qf.Oir prior to $Ucb lin interior jJlptlCtion spcc:1fyms such roaSonablc ca1l$e. .
8. ,Loao ApplIcatiou. :Bommer shall be in if, duX'il'Ig Cb4 Loan application proc;cas, .
:BOlXOwer or lID)' pcnoZUl, or entilies aclinB a1 the dJ.rcc:tiOQ of B,CttOWClr or with knowlcd&c or
OtlC01le:at .11M> mis]cadjng. or inllCQD'C.fb or S1atemcnl$ ro Lend (OT fatled to
provide infQrmaiioQ) 1D oOODI'II::Otion wilb the Loan. Ma.te:daJ lepresentationll include, but
are 1101 limited TO. re:pn:se2l1B00IlB ccmce:mhlg :Bol'l'Owcrs oceupancy orltlc l"ropen:y as BoaowcA principal
rcsldcooc. ' "
9. Interest ba the hoped;r aDd lUPb l1Qder tlds 6eau1ty' If (a)
Bonowcr Ia.ils 10 Pcri'onJ) the 'l'i 1IgJ"OCmC::Dts c:olUlJincd iJl Ibis Security lostnlmer:ll; (1 thc:R: is a
Jcttal thai migbt ';gnift.cllDtIy am.et I..en<Ic:r',;1\Ietest m the hopcn:)' .andiar rigbts uudc.r tbls'
Scwri1Y bm:rum=t (such,:8$ a in bonkmp'C)" for coudemDatiOlll or forfeitlU"e" for
Form 3Qe, 1101
Essex Inst# 706337.3. BK# PGti"7592:-' _'?:_..;.,_-.-.-_____
""f ... ,' 'r_ ......,."" ........' ... D .... --
009923-08_000023
{l r f:. 17. 2007 1: 59PM E r'ARRiS NC. ei3 f. 16
. ,
DOC 10 of: 00016462499"04007
CZl!Orcem=ot of' ali=.. Whicll 'Play' ,&ita.(p prioriJy OVU SeeurilY ,ltUsU'Uo;v:rIt or t? laW., ot
, te;g1llatlOl:'S)iOt"() lIQ'n'Owcr bA4 lhcQ Lc:Ddcr may do ,and pay r(>r whatever 1.
or 10 .prqtcct .Lczadl;r's lnt='e$t in P.topeny ftIld riSh1Jl under I:tW! Seeurity
, im>ludma arld/C{r the' value of the' Propc:mr. and 6OCUring, ft1ldIfIt
LcDdct's IIOdonar;;an' but pot lizniltOdl'O; (8) payJng My sums 8DCllI'Cd,by aliOllwb,tch 'has In:iorl1;y
, overtliiri (b) ill cou.rt. lind (0) paying n.a.Qnable f0e6 to piotoCt its
iP the: l"Iopc:n;y MtdJor: tights IhJs SOCCIdty meJmUog irs ,PoaillOD In, a
banlaupccy SoouriJIg tbo Prop.my Iw.ludos. but is pot limited 10, coteriJ)J: the PJoputy to make
ClW:JB'e loc:G. replace or board up doon> and wmdows. d.nUD WA* ti;om ,pipe&. eJliDina.le 01',
, otber code. vil?1atiOl:l.\l or daugcrou oonditiOllBo aud bavc 'UJilities ,turned on or olf. AltbwJh L<:.nder rnay Take
"c:iloo' tmIi S'=Clion 9. J..Q:Idc:r doc;!; Dot haY" to do so and i.$ not under 1IIl)' dot)' or'obligation IQ do ISO. It
i/O agrcod 'Cbat MoDder incurs JJllbilil')' for nor IIQY or ell aCdoos IaIrbo.r:bed 1Dlder rbls Secticin 9. '
, by Leodcr 1DldCl' tlUs Soclion 9 $ball become adrtit:ionlll debt of BcclO;wer sccnnod
by Lb1s SceWtI:y These JU:DOWtIB ahaU bear int..t= ., the; NOte rate from the of disbQr$emem
and WlJ ... wi,th 1nI='cst. froDllA:udcr 10 Borrower JIII)'OIet1c. ' ,
If dDs Sc:..urf1;Y ;IosU\JI:IU:nt ;$ OD B lC1lX>hQld, :BOlTOWIn shall COQ)ply w:itb all the plov.lsioPs ot 'Ibc lea.IC.
If BortOwer aoqukca :tee tftle to the Pro)1enY. Ihc lcuc:hoJd and the let:. titlo shall Pot merge \I'IllCS5 laIde.r
to 1be mcrgoe&' itt writing,
10. Mortgage 1! :t.c::ndU nqultod Mo.rrprc as a eondilicm of making lbe Loan.
:Boaowc.: fbaU pay IalaiDJalD rhe Wu&1lnCO in etrcet.l. :rOt" aJI)I dle
Morcpp: lnsIuaDcc; 1>y c:o_ to be availal:>lc frQQ) the: iusutCt lbat
pronoosIy plOvideC1 Uld WII$ rc:QU1rcd 10 IIeJIlItIIlely (icaipaICd payroe.uts
to9.fatd tlIe fbr MonIase lnsurDnoo, :8oaowcr sball PIIY the pretmums to oblQio covorase
sub_tiaDy CX{UIvalent to me MortBaSll!' ltI9Ut1IDCC pmv.lollaty 1n cffocr. at'" cOst sublSWluallYeqWvaJc:nt to the
COSI 10 of the prGViously m fl'OPl an alrc:maJCO DuWU seleclll:d
by U c>ItulvaletJt Mortme lnsunInce: COVeru&e is not availabl ... Bnm.'1WtIt sbalJ COIItinuc
10 pay to lIIDOUDl orChe aepatBtbly that Wete due wilen !be inlrw'1)llOe covct'88c
ceased to be! i:Q cfl'oet. Lendtr wW accept. \l$C GId roSa:ln tbe= p8Y1%Ie"Q1$ II.S a noo-ref1:lndable JOf/8 fClIC2VC in
lieu of Mcxti8p Such lOBS _ Iiball bs DOII-rofundablo. nolwitbs1:a:lldiJlg llIe .fact tbat J:hc Loan
Ja paid lxl ",n. a:ocl Lc1:II1er:sbalJ rwl be to :B0D'0Wcr any or nm\D8S oa .ucb
loss l'CSVC. l.aDdcI- ,=n no longCf .require lou roBOr'VO paymeuts .If MortplJ6 coverage (m 1be
amoutll fIDd'fQl' she pedod Ihzrt rcquil'c8) pI'Ovidcd by 8II lnNtCr selccte<l by Lender agab:l becomes
av.lilabls. Js olnained. Mel Le:tlder desiBJ)ACOd pay_tIJ toward lilt: prcmiwna tOt Ma.I'Tg'B&C
.t:r 1.c:04c:r n:gUircd Mol'tgago lnSUl1U1CC :as a ecmdltion of making the l.o&D and BorrowC2' was
1eqUircd 10 .rallko toward the prc:D.llums lor MONDle 'Boao1Vct
shall pay ,rcquiied to DllIlntaJn Mortpge .hmIfIUlCC in effect, or to proyJde III lass
reserve. 1Dltn Lc:::odct's for Monpac lPsur.aDce encI$ in =rdancc with 1ID:Y wrluco -.sn:=c:uc
and providillS fOt ICI'minadon, or IlDtll ten:Dination is required 1' Applicab)c
Law. NolhfD,g iIllh!a Soc:tiOD JO affeellllloP'01Cl"s o'bli8l11uon to pay itlCerclit at Zbc = providcocJ in the:
MOI'tP.ie m$UAJ>O/! l.t:t:Ider (011111)' cnllf.)' that NOIe) fo:c:etWn Jones it'D1aY
U:soui:lwcr doea pot rhe Loan a&reed. :Boaowc::r is 1l0t II pOrt)' to the Mortgago IntAll'1JnQC.
. iDPw'ors iMllualc lb. rotal fisk on. all Sl)Cb i'IISUI'IIDCe ill tora: from time to thPe, and may c:Dfcf
jato agrec.:acnUl wf!b other panlos !bel dJaro ()r tllC;1t ririe, or reduce losso,. Pft> OIl
t=rnS IIDd IIlal are to the 'JZKIItB1I8C JnsurI!J' and the pany' (or panir:4) to lbose
ag:reements. .p:cmc::u/S may tlIe JnOnsa&e insurer to r:nab pII;lmlc:uts my wu:= of fuods
!has tbe may have avaJJablc (wh!c:b ZIUly Include runtb,obtainl !rom
'0.'
As a msult ot tllcsc any of the, Nor.e, anotllOf' JZlsurw, any n:insurcr, any
olber or an;' a1li.liatca an)' or 'fJJ:ry rcc;clvc (wrQC11;y or jIDlQUI)r. !het derive
SOCII (or zrUglIt be as) III pom9D otBolJ'OW's paymc:ot5 (or MortBlIie lnsunInc:e. in tor
$!:Ianng 0' Ibc rilik. o.r n:duc!n,e lones. If such prov.ld= thai au
atfili;Ue of Lcndot' taG$ a &bare of the: jnsww'1I lisk ill oxcbaos:c for It sba.rc ot the: p.reml1.lml co the
ins\l1Cf. the of}mt lCnDoI1 wO!'Ptive Punhcr; , ,
Ca> lOch, JagrelIJDflIDS will no! !IlfrKt the amo1lllb &bat :Borrower bas agn:ed to pay frtT
aD7 ottaer tel"IpS or the LoaD. SIIcb agrefllDeJat8 wUI aPt thea !UQOlUlt Bornnt'er....us
o_tor MoZ1Bage: ImurAlJOl', aJlii ,.,;u not Borrolml' to tJrJ.y .
(b) Jua'1 w.m ." ailed Jbe riaJda JJon-o_ ).las - It aDy respect tv the
MorlgPp lJinraDce 'Dl1I1el' the BOlI1eOWDmI Pnt.el:UOIl Act oJ Dn or AD1 otber law. 'T.best riPts JUDy
the c:erta1D to 8Ild obcabJ dllicenadoll ,ofCbc:
... to uycdac;l\onc.<II IeraW:lAted amoanaticalIy. aDd/or to III of iuJ;y
at the tbne ot8OCh c:.ncen..ttolO "
ll. of J>1"OCeeC2s; FoddtU"e. AJJ Miacellalu:o\l$ an: bt:rcby
assfgnocJ to a;ud sbl!ll be jlldd 10 Lc>udero "

,!
" '3':','.
COOfltV Re$:lister inst# .. BK# 12054 PG# 7S9g .... iIl'_ .. ,_0 ______ _
.1:.r ... '. _ .
" , "-"1' -" '[-i-''''''' ...''''''--'-
009923-08_000024
EiNHORK.
NO. 873
DOC XD .:. OOC16006200S9404007
.11' the PiopCtiy Js . 4UCh MiscelltmoouB Prcx:ccds tIh.rill be applicO lO or rCpair or the
Jbe or.rcp!'lr is-cOnOlDicaJ.ly feasible and I..endets secunl;Y is not I=Ded .. DwinS lnIoh
repait: aDd _lion Pcrlod. Lcodcr sbaU:avo 1110. dlb' to hoJeI 5'1.lc.b Mlscellt.'tleot1S P.roceo(ls uuCil has
WId an TO SUc.hPtopt:nY II) C'I1IIW'C the work ha& bccD to Lender's
provided.shai be promptly. pay foe 1M repairs and l'CIISroradoa in
a ablglo d!sbur.sC1Xlcnt or in a of progn:.ss aB. the work 111 completed. thlless an b
wmmg or App)ieab1c j,nU:rCllttO wah MhceDIDICOIl$ Proceeds. I.en!;lct' ehalJ
lIot be; rCquiicd 10 pay :BorroW" any int=l:.sl or on soch Miscdlaoeous Proceeds. 'JJ the or
is DOt feasible, or Lenders scapity would be losse:ned; dlc ProceedS ahall
be to ihe .StJme aCQlmd 1Jy mil; scC:wi\y InsIm;Qent. wbc:rhu or .J1ot !hen doc, with the cou:eas. it BDY.
paid 1O:80rr0wer: shllll be applied iD .. tbe order proVided tt;.r ,in Secr.ion 2. .
In. tiiD cvcm,of " wt:lll or losS in value of tho PrOperty, Ibo MbCcllaneous PrOccc:d$
sball applied lQ !he sums.secweel by thiS Security .11IStIll%X)CCIt, Wbc'dlcr or not men due, wilb mo CllCIlSS. if
any. pldct 10 :BOD"OwCZ'.
In abc; CVC!l1 of a pcanJaJa..Jd1lg. dClltnJedop. or JO$$ jll value of th: Propcrt;y in wbjch me fair DlUkct value
of lbe Property ;mmecSi8tely'beforc: the pllrlialtaking. deatNC1ion. or lou In is eoqu.al 10 Or !han
mo amoUDt 9f the aec:v.i-ed by Ihls Scowity lrmrumcut inmledillttlJy bcfwc Ibc panial l/Ik1na.
or loss in 'Value, uuJ_ :Bonvwer and I..CI>cI= IIp'CC io Ibe SWJI5 sec;UICd by Ibis Sc!CWity
JnstnlD1ent maIl 'be by tho aDlOUGt of Mlllodb.DCOU3 Proceeds by me f!racdCD:
(II) the toQll amount oI.lhc 0lmS IICOUIed lmmedilllclly before the partial takina', dcstnJc:tlOD. or 10:55 ba value
dlvided by the 18ir valpe of !be. Property immcdlak:ly before: die paniaJ cSosauelion. or 10M
In value. An'N balapce ebalJ bF paic1 to :Bm:rowcr.
In the evcat of a panlaJ takln doSU\it;t!OD. or 10l:lll in value of tile Property in whleh me fair rD8III:et value
of the Propeny ixmncdialeJy beron> tba p>IniaJ tIddu.. destnJtion. or 1085 hi value leas thaD the amounl o!
tho sums SoCUr'ed imaJ.cdiato,ly before the plU'liel laking. OJ'lQA m value. unless :Bano_ and
Lender o1huw!R in writiDg. Ibc: MisedlmlcollS Proceeds IIblill be applie>d to the B\JD1IJ I/eCI1J'Cd. by tlds
Secudz;y InstnnDe:ot wbcthc:r or not tbe sums are Chen due.
:rr tbo. Ptopcrly 1s ablllldoDod b1 :Bo.ti-owtll'. or if, alter otlcc by Leodu to :BoxroWCt that tlJe Opposing
Party (as ddincd in tile ndn: \$Cn1t:OCC) otters ro meJr.c an award 10 some 8 claim Cor dama&cs. Baaowcr feJls to
respood to I...coOu wiUUn 30 days IlfI the; dIdC tbe Is elven. l.ctIdcT is aumoriz.cd in coJklct IiIII1d apply
the MbcellllntlQn& PrOOlCOOds .elllIm' to rc5tOradoo or repair of tm ProP"tY or to Ibe RIJQ$ by this
SeC\UiJy Wlt'llmt:llt, whether or not \beg due. "Oppoelnz Part)'P means tho d1f1d J:lGlrtY thaI owes Borrower
M:illCeUMeow Prooccd$ or !be pany asaitIBt wbom :B0IT()Wel' bas a rlzht ot :action In n:BanJ to MbcclJancou5
Procoo<I$.
BotJ'Owcr be in defaun Ii any aetiv.n OJ whetbu civil or: l5 be.l:UJl that, in
Lcndcr'& judpCllt, could in forfcjrum of tho Propcny or olht;f material impaimlent of Lender' .. mlemst
111 the Propon)r or .tigbts Ibis SeOM\), lnsuumtmt. lklrrower Clm ClUe web B c1dBuJl lind, if aooolOl1ldou
hIlS l'cim!tlUC'1IS provided in Scc:ticm 19. by causing Ibe action 01" proc:cec1lng 10 be dJsm\s9Cd with a
in Leuder', j'cdgxuent.. J)l'e'ChI"ts foIfchure of !be Property or other jmpairment of LeDC2CZ"s
b1 or riibts un&r au, Se=Dty The proceeds ofauy award or claixn fc
that arc annbmablc to the 1mpaJrm=1 of Lcndez's inleresr in the Property we bereby IISslanod and
$ball pai4:10 Lc:isdr:r. .
AlI l\6;illoe!laDeOus Procce.ds Will arc DDt applied to rcSmrationor rep;m of Ibe Property shall be applied In
tbe CI'C1a provic:lcd for in Section 2. .
1:2. Bo:l:l'OWW Not R.cJeased; Forb6ar.aDeH By Lemler Not B Wai'Fer. ExlClnion of me til:ru: for
P<l)'DlO'ZlI Or of amanizaaOD Qf by.tJlis Security anntcd by Lexlder' to
Bouowr:r or 1m)' Sucoessor = of .9oaower shalJ not opetaIe \0 relcose the liability ofBorrowcr or IllD:I
m of :Bon-owcr. La1der sball not be requiJed to commence proceedJDMS apIJ:I$i arJ)I
of :Borrower or ro rcfusc to cxumd time for payment or otherwisc madlty amorthatlon of
the 8\UUS SQClltcd tlUs SecUrity b)r n:asoa chny dcm:md PJadc by the original BonoWCZ' OX any
Successorli in lnt=-;esc of :Bor:owcc. A7J.y by Lc:udcr hi c:xcccising arry or xcmocSy iXICJu4i:os:.
wilhout lirloiration, Lcodel's aec..plahcb i:rortI tbbd. per.soJlS,.CQtitic!: or IDtcI'e$t of
:BOUO'Wcr Cit in. OICIO\UII3.lt:fU tho dIJe, sbalJ not be a waiver of or preclude rbe cxerclso 01 any
risht cne:mei:Jy. ..' '. ..' . .' , .
13. JolUt 5evtI.ra1 Co-slgaen; Sunesson .aD1) A.85igDs BcRwd. :B=WCl' C;O'YCDllllbI IIDd
agmcs lh8l Borrower's ,obligmioD,S aud liIIl:dlky shaD be joint and &evenJl. HoweYCt'. 8XIY :Bou:ower who
co-siBDII dais :Socuri:;y lDstnImezIl but 400.!1 nol Ibe Note (a -co-Jigncr"): (a) is d1fs Sccu:rity ,
0Dly grant CODWI)' me co-slgncr's inleleSt in the Propcny 1lJIdcr the lCmJS ofthls
ms.!nJIQc::nt; ,(b) is no't obligated lO pay the #WllS secured bytbis Security Wtnttuctl1': and
(c) agt'CCa. tbar Lendct' IIJld. any ot!ic.r :Bo.cowcr can agree to exWlc1, tnOdify. forbear Of UIake
IOOOC)JI)I:IIodaJ:iow; wilb mgprd' 10 IbclCIl'mII of 1hisScc:url.r.y lnsuumcut or tile Note 'Witbout lhc
OOIUIIl:Qt. ,
SubJcet 1:0 zhc' pnJViz;lOD$ of Scc:t!on 18, aD)' Succ:csaor jD ot :&cnrOWCl' Who 'lIli$umes Borrower's
obligaUOD$ 'uDder up" Soc:unty w5UmDCIlIm wrilinc. aDd is approve>d by Lender, shall obtain all o1':&ortO'Wct'B
rights aDd 'onde:r: thi6 Sccur.ity w=enl. Bonowcr sb:AD not be tl'Om .BOn:oWcr'5 obUJllLtloDs
and liability ODder lhi.s Sc:>Curity InStrument lJD11ISS Lender a,e;rcos to such.rcJea.scin wElling. 'l'be CQvenanblBncl
C.HL (OVI05) p.onn 3031 "01
7063373 BK# ",,"-,''':';''';.:..' _ ....... =:l'.,.:...<
009923-08_000025

/>ie. S73
. . '. . pOC xc 0; 00016962489404007
" Wlnhncnt &ball.blnd (except ali prov1Qcd in Sect1oJ) 20) and beod;, tlle
. andupgJW . . .' '. .', , ..'
. ,14.. LOIID lAnder JIIay cbatgc :SorrQ'Wet fec8 fOt services pcrfOJ'Dlcd In wi#!
Botro:IVl:l"s def1nli1, lor the' purpoM of J"OIC9.Ung lp\dc.t'a iotcn'JBt in the PlOpcrt)' and riirblS. undC'r 1hi5
mClucimg. DOt limi1cd altOnlcyS' fcc.\y property and fees. In
1'C8
W
to my foes;. tbe ibeencc:of ex,PfOBB authority in this lntlnlment to dw',ue a. spcci.t'lc fel: to
J10t bo as a pohl'ojtion OD \1IC cbarpg of In1dl fcc:. Lcnckr not charge Ibat
prohibilc4 by this Sccw::ily I.stnxQIent or by Applil;able .'
U abe Loan )s subjoct to a Jaw ..... bich sets mp.imum 1()8D clulrgea, and IhaIlaw Is flnally mlcrprctcd ISO
matdJcin_tor other loaD coliected or collc<:ted .in .conDccliim with (be LoaD Ibe
pexXniCrcct tbC:n: (a) any mioh Joan char;: shall bt fetWced bY the amoi.mt mX:caSIII')' to reduce die chUse
to the; p.ennj'Qe4lUDit; and (b) IIQY SUIIlS already collectcd fl'Oal wmcb accodcd ;permiUcd Hmltll Will
be. JdWldocJ to :Bon'OWCJ:. Lender dloosc .to m:lkc this feftlnd by l'c:ducinS the owed under the
Noee or by makina a direct piO'mem to :Borrowa'. If a ref\md JednC05 princSpal, \be rc:d),'CtiOD will be treated as
It JltUtial &DY p!'elIIlym<:lllt charge (whomor or 1I0i,. piepayment is provided fur
the :BCIIXOWC::rls a.cccpta:Oce. of arry such re1\lQc1 made by d5rcc:l paymcm to Bonowet will
coostitutc tI waivct of an)' rlBhl of aaion Borrower mi8ht bave arisiXlg OUt of IUOb overc:barsc.
1.5. Notke:s. All iJolice; JI:lvec by :Borrower or Lender In cotmcmSoa w:llh rbllO Security lnSU'UDlent IlU.1.$t
be in wrltiJIB. Any uoatcc to Bou-ower in.l;OnIlcction with tIlllI SOC\Uity lnstn.u:Dcut slWl be dcc:med to have
,tl\>el\ 10 w.beD matlcd by firlIt c:lW mMl or whc:n ee!Ually deljVC!\l'Cd to Bonowet's Ilotice
if $COt bY: oilier tneatzs. Nodc;e to any one JlOA'OWCI' IIball COPStibUc notice 10 aD Borrowcn uolccsa
Applicable Law odWwise. The Mtice aCldtc$S shan be the Property A.ddn=as 1mle.tll
Bo:rro'WOt hu dea,ipated a '51lbsdtute %)Opec by nonce to Lender. :BonowCt' abllll prompdy nodt)'
l...co4ct of Iirxrowet's of address. JJ: specif5et1 Il for rcpon:Ing :Borrower's change of
the:o :Borrower shall' only JePOrt a cbango of ao:kIrcsa rhro\l.ah Ibat lpocificd ptOCCdUfe. Tbere may be
amy otIC notice aiIdrcaa UDder thls Sec:urJW iD5CrD1Dent at any one lime. A:D.y ncnicc to U:ndet shall
be giveSJ bY deliverin, it or b1 it 1)y fuIIt class xnail to Lendc:'. address $l8.tcd hc:rciu unless LCIIldor bas
designsred auolbcr address by J)otice Any notice in OON1cclion with tlUs Security lDmumcnt
shaD not be dccI:rlcd to have bcc=n 10 Lcndc.r until actually recdvc:d 'by Lcallcr. U liD}' not:icc.n:quircd Oy
this Security lnslJ\llD.t.l1t is Bl&o .I'Oquired UDder Applicable .t.aw, the Appncablc Law requlTemo:ot will sadBfy
the rc:quircmcut under tb.ilI Scqurlty WU'UmCUt.
11S. Qcj'l'enxing Laws SeverabDIt)'; Rulas of This Sec:uthy !:nstrwnc::Dt shall be govcmcd
by ft:derDJ 1_ and m,,' Jaw of 1he jurisdlcdoD lD whlch the Prope.I'l)P j& .AJI nabfS !IDe! obliptiOtl.$
contaiocd Ibis Sc:cu.cit)' Imtnlmctat IIIrC 5ubject to ;my requirements 2nd lindtalion.& of Appljcahk: Law.
Applicable :Law nlight or bppUdt:Jy allow me panics to agree: by con11"8Cl or might be silet, but
sacbsDC3lCtl shall iiotbe constrUc:d as a.p1'obibltion against by contracl. In tbe evcml that any
pmvWcm or.clWIIC of: &:his SOI'Urity Ismuumc:nt OJ'tbe Ncxe confJicJs wilb Appllcable Law, sucb cotltUc:t MaD
DOt affect olbe:r piovmom: of 1hi5 Scc;urity lnsIzum=t or tbe No&e whic:b be ghrou cffca without the
CODflictiJl P.tOvisi<m. . ..,.
As WICd in dWSccw:lty bllUmdll: (a) words of the bIaSCIllJne Jr=dc:r sl:iall mean and include
cOD'C8pOndbJgneuru wOrds Or words of fc:nUrU1le &eodez; (b) words in the sUl2War Shall meaP and iuclude
the plural and vioe vcs'8e.; rma (c) the WOld ftmay" sole dJSCJ'CIiCll) witliOllt any to IUc any
action. , .
17. BOi'Tvwu'8 CoW- oaowcr sball beglvcn ODe copy of Ihe Norc aDd of This Scau1ty hstnunCllt. '
18. of &be or a lMneficinllbt.ere5t lD Borrower. M used in Ibis Sect!on 18,
"'lrIU=at in the Propetty" means qny legalOf i including, but pot JbDIted 10,
rhosc b1miI:fCltCd in a bond for deed, COOtracl for detld. InslD1lmcnt salOllO contract PI =ow
oIwllichislhe by Boll'Owcr lItatuturo date to a
If all OJ: =Y 01' mtefeS1Ut the Property Ss sold or (or if 130rr0wcr is not
a D9r;utaJ pct'llQll and abcDcficiI!J .lnr.c:tedt in Bonowei' is IIOlIIJ or u-ausfCOTcd) witbout Lcndcs'1S priOI' wrlttco
I..ender mliyl'CqJlire im1:nccIlalc payment in tulI of. all sums secured by th1s SCcwil)' InstmrDctlt.
However, .lhi$ optioo ah811 not be cx.crcise4 by L=dcr If IIUob exCRlisc 18 prohJb:ltcd by Applicable Law. .
JJ: Lc:ade:t 'dUa option. Lo::Ddcr ahall give 8.coc:lctldion. TIle sball
pe\ciocJ of Je3s'1han '0 aay$ !tom the. dllte the nODee u given in with Section 15
withiu must PIIY all IiUDl$ scewcd by this SecuritylllBtrumeut. If :Borrower fails to pay U1cse
swns pdQI' the expuasiOd of this' period, Lc::odcr may invoke aDy pe:m:U1lCd by tlxi$ Security
InstttuneIU wmtOtlt or dcman4 on13om)wet". .
Right to Ac:ceIenat100.If :BOD'OWCf m=c!.ll c.Cflain conditions. Borrower
dlall bYe the rialit to J)ave ellfo.roemeat of tbiB Sc:eurlty Wln1IUeDt dlscoD1innod 81 any time prior to the
0/:: (;y t;:ve d,ays beore $tile of &bo Ptopetny to anyl'OWtIr of &ale eODlaJncd In lbls Socurit)" .
{b) :IIl:1ch 0II1c:r pe1iocS a8 Law mlsbt specify for the or Bmrower's to
or (c) c:ntry UJois Security mswmont. 'l1loac conditions an: that:Bon-owcr.
(a) pays. wldch tb= would be due tbi& 5ceurily lnlltrumCllt e:Jd 'd1l:: Nor.; aJ if no'
aeceJerat1OJ:l oec;w;rcd; (1) cnmI a:w default of 8Dy other COVenants or 3Sl"CICIQWlts; ( .. ) pa)/S IIlI expenses
iJJc:w:n!>d In. ddll Sccurit:y lI:I.slrllfm:ll" ,me)edbaa'. but IlOt limited to, rcaocnable auomcys' fc:ca,
propc:l'ly in.spediori and yalUoa fccs,a:ru;l othct fcos inCW'rc:d for the of ,PJ'Ot<>Cuag lA=dct'B iDtcrcst
Form ao:t11/0'l
"
'rl.".:!:"" " '
"''-j' -" ".r-.. '-:" ............ """--"-_.
009923-08_000026
Af ii. 2i. 2(10:
NO. P.
'0
. ,
. . ,..DOC::ttl. t: OCOl64G24S9404007
In tb!o PropQn;y aud rlgblS. midc:ir. this .Sccur1ry Jnsirl1m(;l1\; and (c) takes .such acliOtl as may RoaSOnably
require tp that Lendel'1S .m.tbrc$l i inthc Property and rigblB UDder dUs St:t:Ul'ilY lnslJUUlcnt, and
pbllgatloft to pay sc;euu:d by thls.SecWity shall COIJlinuc unobangc(l. J..endcr
may tcquiro lliat Bortowc:r pay lSIleh $UQ)S end U1 CI!DCI or SJ?OtC of me following fonn.s,
:a.s lSdectc4 In'Lender. (ii) cash: (b) mona)' ordtor; (c) ccnmed check. bunk i:l\eeJc.. b'eaSUfCf's chl;Clk OJ' caSh1e:c's
chack, ,FovWed an)' Ncb drawn upoh an'lnsUtution ';"baR ate inBure4 by 1I1'ecle.nIl
UlSII'lIm=taUty of. _t:y; or (d) .liJec:I:ronic PlmCSS TfQ1I/Ifcr. Upon by BoJl'Ow=, dUs
Bud $OC1U'Od Jletcby shall remain fully cUCc!iVG as 11 JlO' aocc.IeQldoD had. occ:uned.
uiis rlBbt U) shall DOt 1!pply iii !be case of aceclt.ru!.on UDder SectiOA 18. .' .. "
. arNot,; ChAl\.IO Of Loai:o SerTSCU;. or GrieYlIDCe.Tbe Note .ota pcu:tial intueSt m.l,be
Noie (Iogetl)t::t 1llis hlllltllmC1U) can be !WId ODe Or J:tIOlC Iimto8 priOJ; notice 10
. A. sale :i'e$Uh'in II. oJumcc III tbo endty (laJown at; Ibo .. Semcec
W
) thU coJlC(;t$ Periodic Payments
due the Noz a>Id this Sccurity InStnlIDCDl and 10M obJjgatiOll$ \mCler
the NOIey lids and AppUcablc Law. There Also mi;bl be 0= OJ' mIUC cha:oJIC$ of the Loon
'umdaled to II, nJcof; the Norc. If thcIrc ill 8 <:AaJJBO or the 1.0110 SCIJ"Yk:es', Bon-ower wID be Biven
wntteo notiCe of ihe cb:an.8o wbJcb 1IIIJl state abo and of the DOW Lolln SCl'Viecr, thoaddrcs$ to
wJricb ptlylftCZIt& should m:aac aDC1 a:Jl othct iIlfon:DaliOD RESP'A J'CqUircs 10 QOIl'IIPQUOJI with a DODce 01
b1U)sf,:l' of' lI,erVici:og. It' -me Note 15 sold aud tba'eafter the Lotm is acav.lced 'by a LoBD Service:' olber man the
purcJIaser of the Nole. die Joan *VicinI! obliptiona 10 llorrower wiD rctJlain wlth the: l.oan Service/'
or be 1Z8XIsfened !O II Lom SviCCl' and are 001 2$SUIned by tile Nott: purehaset unless otherwise
p;rOVJdod by tbcN(Jtc paxcbejer.
Ndtho;:r 1l0l:l'0wet"Dor l.endCJ' Q1aY cottUncucc, join, or be Jolncd to lIllY judlc1al action (815 dthcr a1)
iDdiYiduallll:1pm or !he member of a UIIIt ari8eIiI from the> othU pan;y'B acdonll pun:uant to tIrls S==rity
lnsuuDIeat qr that oUlcgcs wI tho otbc.r parcy baa brc:ac:hod any prov.\lllOD of. or any duty owed b,y _an of,
this Security, until sud! BoIrowc:.r Qr Lender has nodficd me otbw puty (wilb sucb Douce giVClll in
w;tJ\ of Scctl'Pn IS) of INcb alleged br=ac:h aJ)d rdJcrdod the odM=r puty h_1O a
. reasonable period the giving of Jl)cb'Dotiec to OOITcctiVe. action. It' Applloable Law provides a time
mast NBpSC bc:rO%e ccrlaiD action can be taken. thal tlQIC period will be dcclXlCd to be reaaonablc
for poqIOliCS of u= pare,gnpll. Tba Dotioc of ac:cclcndon and oppornLnil)' to QU'e ;:iveo to :aonowe:J pwwanl
to Sce:aOD :l;2 I'U.O: the: -aotic;c of given to Borrower purlIUlil:llt to Scc:UOD 18 "b.Ioll be d=mod to
AI:l5(y 1ho JlOPCO and opjlOl"1Ul1it>':to take cpr;rocr:ivc. action provillioDS ot this ScctlOII 20.
:U. Sv.'bs1:eJ1.CC6. used In dI)a Section Zl: (8) ''J:Ia.zaJ'dotIs Suoota_" aro those SUb5amcOll
as lOJOic 01' soblftane<:.a, poDurantS. 01" WUlC.8 by EnviroruJ)OQUil Low axld toUowinS
i5Ubstanc;cs:: .;aa:olmc, oChu flllmmaNc or IOXic petroleum ptOduczs, toxic pesticides and hc:tbiddcs.
voletile solveo%D, con1a.lulng Ot formaldehyde. and nldioactive mau:ria)s; (b)
tcdera11aws !UJd JilWSot 11Ic Judadlcdon where Ihe P:ropcrty is locPc.dtbat %elate
10 heellb,. IS8l'ct)' . eoviJonineDtal protc:ction; (c) "BIlviroomcolSl CJeanup" mcludt.e respon!lc action,
nocOialllcUon. or ftOlDOval :as ddll'e4 in Environ_tal Law; and (d) Q(I "EnoMolUllemaJ Conditian
w
IDCIIII$ 11 CO%IditiOQ hat ca.D cause, GODmblne lOt or olharw160 triUct' lID Bnviroumlmtal Clc:cnup. .
BOD'OWCl ehall not cause or peanlt dK: proscnc:e, use, BIOr:a.J:C,. Ot J'cleue of rmy lUzan:Ious
Of lllxealeOl0 1'elease any llu.ardoWi OIl or Ju the Ptopcrr:y. Botl'Owc:l' 5ball not do. nor
allOW8%IYonc: dse to lIIffecti:n1 the PropUt)' (a) tbat in or ti1r:IlSDvironme:ota'l La-w. (b)
which c.rcales .:0. EnvironmcnUll or (c) wbicb. due ttl tbe ptesence, USle,or JIi:J_ of a B.azmdoIJs
SuOOumce. """'"tc&;a O()Odition that iIIdv_Iy ILft'cets the value: qt 1he1'l:Opc:s1:y. Tbo noob
sbaJJ DOl apply [0 Ibc prcscmOc, UR, 011' slOJ'qc on tho PJ'opony of IiIDIill qumrJdcs of HazardotIs StlbcW)Cc5
mill arc gcctDlly' J'ccognb:cd 10 be apPfOpriatc 10 nomlaJ J'CIIldcntlal tlaca aud to rDBintcnancc of the Pn;>pcrty.
(includ,iDg, bUt to, S'Illmal'lces i", CO!lSUD)CJ' productS). . . . . .
. . 13o:m:lWtCl' !JhaIl ,PI'f,)mptly ,-ivc l...ealder wrltu:l notice of (a) an)' investi,PtiOll, claim,. demand, lawsuit. (),f
other by l:?vam1ntllltal or 1IgIy or priVilte party involvlnr the Property and 8Dy
DC :EllvirollJDerua) x.aw .ot wroch Bonowex has actual (\I) any Ellviroumouw
Conltition, mc]udin. In)l IJm1tcd $0, spil.l!Jl6, leaking, c11t;ch\U'9c. release or tlUeat of roJcaao of any
SUbnance. 8:ld (0) DDJ" ocmdhlOll C81W;d by me presence, WlO 01 rcJcaso of a HuanIous Substance
whiab the value of !he .Property . !! BOrI'Qwcr Jcama, orill.nodtlcd by any gOvcnu:oental or
rcguJlIIlOf'YauIhon.ty, or.any private Jl8ft)', that my tCIXIOva! or other remediation of BDY Hazardous SUbslance
eBCCIilDg tm ProptSty is sbDll promptly lake all necessmy n:medial actions in \I.CCOt'da:noc:
with BGvjrouDlri1ltaJ Law. N<>thin/: -hco:ein sball create All,Y.obligaticn on Leoder .for an BnvironmCfltal Cleanup.
NON--qNIPORM COVBNANrS. ancl fwthcr C:OVODaI aud agrcco as folJows:
. 22.. A.ccclenUJOIII) lteuaedlcs. ;Lepda:' IIlaaD aiTeDOtie& to :8onower to fonowing
Bon'O-rs -breach ot JUU' CO"fl-m or 10 thU SeemlY (bul not prior to
.IIcce1c:radon; tm4u Sect.loo 18 1:1111_ ApplklabJe La", pro'f'ldC!6 otherwise). n. 1IOtic:e lIhall5pElCiry: (a)
the ddimltl ac:Iioo a-cqainc1 CO the delault; (e) a date, less thaD 30 M)'Io' trorn the date the
Ss glvea CO BotTOWer, 'by wbivb r:hti dU'aull _t be can-ed; (d) that.l'.ailure to CQre tb.e default on or
before tlae cta_ b abe result aec:eloJ:afion of &be 8WIlI$ ICC:PJ'ccl by dW$ ScI:urlt;y
by jucUdaJ .IIDCJ. B!ale or tho Proporb'; (e) the BorrowlIII"s ril:ht to
.... nn 3031 1/Q1
"""", :.:p..!issex ,County In51# 70633'13 BK# 12054..PG# 7596--...,.,..",,..........--
009923-08_000027
: (.(1;>/11
. DOC IC
...iiust.ato: alMl' Ole,riaIlil to .lIsert m tl)etorecJOSllre proceocUne tM -...existence' of a
default or uty DOlIIX' der_e of. Borr'owm- to allceleratkm aDd IUld (I) olber dbdowre
reqokoa- nDclOr We '.Pah- Ac:t,.lIlodUied .t SedloJ:ls ec seq.' of the New .Jen-ey
StatIDtelI, o.r' A.fIimcablc L'aw. 11 the .de!alllt is on or th.tI.' elate
J1otlec. u-ier opdoJlsm-,. pa,..aent in f>lD d" S1IDl$ sccared by Ods Sec:w:it7
'lDsti.mll:DiWithqal dliDlAJld JDAy foredose tbl8 Sec::urity JDstr'D.Dx.Ut by proceecUD#.
Leader be entitled b> coJlect all expease6 Incan'ed ID purAlblg the prcrridecl iD chis
SfdiOD 22t bot ;gal limiSed 10. a,UorDeys' (eeIJ aDd c:o.su of title e'ridence penniUecl by ltulee of
CO'IIrt" . ' " ,
.' ,23. Upcm or all smos 8CClIR:O by this Scowicy ]nlltnuXlent" Lender sJ\aU cancel tWs
SCcu.riry In$trw:J)enL :'6orrowcr dW)' PIlY .ny (:ems. Lender, may chart'C Borrower a foo for
tbis on,ly t.f dle t"- ia paid to a tb.!1d parI)' l'OIIr1crcO and the
cm.rtPlIg at the!,.., Is pe;nmmod under AppIiCllblc La .....
24. No Claim' at CredIt for' Taxes. wm 1I0t make deduetion ,frOm C1f' credit on tho
princi,-pal Or :inU!lt'Cet by tbbISc>curily ,lDsa'umclIlI by %COIl&On ot any, .OVemu:lc:nta'l taXC>S. or
charae:6. :Bonower wW not claim any doducliOll from the taXable viilluc of the }>.rQpcrty by t'CaSOD of Ibis
l:mnJ'\!mrm'-
:BY SIGNINP B:BLOW. Bc1ro*er acccpt:s and q,;us to the t=XnS and covenants conlained in thi&
Sccuri.ly and. in any Rider _ccnted by Bonower and
Sisned. sealed and \u tbe at:
X'
P:tNCI zUO
__________________ (Seol)
.-.......
____________________________ (Scal)
...:aOdOwCr
_______________________
.--,. ,
N.....,. l>I>blio
OHL{CI7/t11J)
RICHAAo C COu.o

Form 3031 1101
-.,.;.-Esse5c CBtmtV' Inst# BK# 12G54P.G#

... ""\
009923-08_000028
) t '\
AtIU ru:cordlvg RoIlJDl To:
1 .. 4 FAMILY RIDER
(A.ssjpment of RenL9)
COUNTRYWIDE LOANS,
MS SV-7 DOCtmENi PROCESSING
P.O.Box10423
Van Nuys, CA
PARCEL ID ,t: .:
03G4200C00000600000000U
l'Tepaml y: :
CHRISSY SANTUCCI
00016462489404007
{Doc 10 ill
TH1S i04FA"MlLYRIDl!R)II_ihtt. TWEN!Y-SEVENTli dayof APRIL, 2007 ,
aDd Is inlO !1J1d aIWI b: deealcd to mil aupplCIIICIII Ille MorIg&ge, Deed of TtllSt, or
Sc:cunlf riceI'I (IIIC 'Security losWmcot") of lhe AllIe dam pvtu by tile (Jhc '1J0IJ0W=) to soi:urt
Boaowtt"s NOlC 10 :.
HOME LO.,rugS, ;tNC.
. .
(tbe 'Lendei,) of Ik EaIIIC dale and covedng Ibe PJOpeny duen"bcd!D !lie Sa:urllj' Ins!l\llDcllI and loc:atc4 ax:
, . ' 37 V.aAPES AV)';'
NJ 07112-7507
lPropeny
1-4 FAMllN In addition to Ibe COVCIWID 8IId ap1:CDlCnlS .aI2lk ill Ibe' &QWy
JnlIrUlDtuI, :ll ClIJOW= aod fur1}Ict COYaWlI etld ape as follow.:
'MUL'llSTATI!'" F.ilMILY IUDIlA Mac: 1m11OI'IM INImWNt:HT 11
'G!t-57R{o401;.01 Page 1 ofS Inftl8ls:..L,:::::'
.' . vtAP MOrtgag;& SOlUIlOns. Inc, (800)5217291 Fonn 3170 1101
.. =, .. Re-nister . Inst#:'70&3373 7-698
,.
""1 -" ,.f-........... " ..... , .. """"---"-
009923-08_000029
J - '"
DOC 1D f:
IDail!T.CIWIC:e tQe6, a!$CS''''CD1S lind ocber char&ee 011 dill Propeny. and Ihe.o to Ihe
SUIDS 1hc Sec:ori:Iy L=dcI'a ageIIIS or my j\ldlc!ally appoinlQd RCtSvcr $ball
be 10 for oril'J !bOle eol\lally JCCtWed; an6 (vi> l.endef wn be mllllc6 10 have a ftWVI;t
appOill!od to IiIJa; poeto&iioa .of 'illJd JllaDIfC 1110 Property and collect Ihe lWds and pnlfits derived fIoln !he
Propctty sbowiog lIS 10 lhGlnadeqIIioy of Ibcl'Jopaty as secudl)'. .... . ' ..
U !be biIII or IIIe lilt DOt BIlfficimt 10 cover Iht c:oSllI of tUiDg coonol of aDd managing !.be
Preperty aDd of coIIOCIiIIi \he llCIIQI 1lIIY 1ilDIIs by l.endu fot pIISPOIIC$ sbllll become
iDdebtodum cfBoaowcr 10 IiCC\ItCd by !he StQurIlY InstnmIeot pun_I 10 Scclioo 9.
:Battowcr n:p&:SCUIS and wartlllltllhulJolrower hIlS DOt e:tCGUlo<J 1lIIY plior asaigomclll of Ihc R.ent\ and
bu pc:fo;nlcd. tlld will 1101 arty aCI rbaI wOlIId )nVCft\ Leodtr froIII I:IcrcilinC lIS ri8lns UIldu !his
paqgtIIJIb. .
Lt:D&t, or BgaIt& or. Judiolally appoiDlM reed,,", Shall 1101 be 10 tl11Cr UJXlII. IlIU
comroI of 01. maiIIta!IIlhe bef1n or am givin, DOtiQ: of dofBuIl III DOSlQViet. However, J,.ezIdcr. or
J.cDdo(s or IljlldidaDy eppohlU:d JOCeivor, rJJ6 do 10 811t1l'J tilllC oc=s. AIsy appliCllion
of Rcnb sbad llOt ewe or VIlIi",e IIUY Ildmlt or lnvalidalc Ill)' other risbl or zemDdy of l...eIKkr. 1'Pis
ofRcDIl of the: sbalI wJlezI all die IlIII!3 secnrcd by Ihe StcwIlY lIImmont lilt JIlI<I ill full.
1. );>ROmON. :B0a:0wct$ dcf8lllt cr broach undeJ uy 1I01t ot III wbltll
lias an mt=St ,hall be a 1hc Securil:y JnstrumeIU and lAIdor may Invoke 1111)' of Ihc
lDittUml:Dt.
BY SIGNING :BELOW, JlQa'Ow
Faadly lQdcc.

P::NG ZUO BODOWcr
----------------_(scaJ)
1l0ll'0WCr
---'--------_________ (Se8l)
BlDOWcf
--'-------:------__ ______ ,(Scal)
. llOllOWor
Page 3 of 3
Foim 3170 1/01
. ReQister Inst# 7063373:;'BK# 12054 PG# t.599
PO
" J:'
009923-08_000030
I
. \
.KNow ALL MEN By TeESE PRESENT..
THAT MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS
NOMINEE FOR COUNTRYWIDE HOME LOANS, INC.,
RESIDING ORI-OCATED AT p. O.BOX 2026, FLINT, MICHIGAN 48501-2026, party of the first part. in
consideration of the sum of One Dollar ($1.00) 8lld other good and valuable consideration, la"WfuI money of the
United States of America, to it in hand paid by COUNTRYWIDE HOME LOANS. INC.
RESIDING OR LOCATeD A1" 7105 Corporate Drive, Stop PTX-C-35. PLANO. TX, 75024, party of the second
part, at or before the ensealing and delivery of these presents. the recez"pt whereof/s hereby acknowledged, has
granted, bargained, sold, assigned, transjerred and set over and by these presents does grant. bargain, sell.
assign. trans.for, and set over unto the said party of the second part, its successors or asslgns. a certain
Indenlure(s} of mortgage, bearing date the 27th day of April, 2007. made by PING ZUO ON LANDS LOCATED
: IN the CITY OF NEWARK In the County of Essex and State of New Jersey, to secure the sum of TWO
HUNDRED SIXTY-TWO THOUSAND FIVE HUNDRED AND 00/100 DOLLARS ($262,5(JO.OO), which
mortgage is recorded 011 May 15, 2007 in the Office of the ClerkJRegister of Essex County, State of New
. Jersey, in Book 12054 of mortgages at Page 7586.
TO IIA VE AND TO HOLD the same unto the said party of the second par.t, its successors or
; assigns forever. subject only 10 the proviso in the said Indenture of.mortgage mentioned: AND it does hereby
make, constitute, and appoint the said party of the second part its true and lawful attorney. irrevocable. in its
i.
.name, or othe",,,ise, but at its proper costs and charges, to discharge the same as folly as it might or could do if
these presents were not made.
I
I
IN WITNESS WHEREOF, the said party o/the first part has hereunto set his hand and seal
or caused these presents to be signed by its proper corporate officers and its corporate seal to be hereto affixed
'this 12th day of March I 2008.
THE WITHIN ASSIGNMENT IS MADE WITHOUT RECOURSE OR WARRANTY OF ANY
IaND, EXPRESS OR. IMPLIED.
. SIGNED, AND DELIVERED
INTHE.e OF
:t't TTESTED BY
MORTGAGE ELECTRONIC REGISTRATION
SYSTEMS, INC,AS NOMINEE FOR
COUNTRYWIDE HOME LOANS, INC
CARRIEA HOOVER -1ST VICE Pm:sIDENT
009923-08_000031
, .
State of . TEXAS
,County of ___ ____ _ SS.:
Be it Remembered, on 3/12108, before me, the subscriber, personally
___ t7AR __ ______ who, being by me duly
sworn on hislller oath. deposes and makes 'p.roof tc;> my satisfaction, that
. KATHY REPKA ASSISTANT SECRETARY is the Attesting Secretary of
MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR
COUNTRYWIDE HOME LOANS, INC., the Corporation named in the within
that " CARRIEAHOOVER-1SiVlOEOPRES/I:lENT is the 1$TVlCEPAESIDENT
of said Corporation; that the execution, as well as the making of this
Instrument, has been duly authorized by a proper resolution of the Board of the
said Corporation; that deponent well knows the corporate seal of said Corporation; and that
the seal affixed to said Instrument is the proper corporate seal and was thereto affixed and
said Instrument signed and delivered by said 1STVlOEPAF$IOrwr Vice President as and for
the voluntary act and deed of said Corporation, in presence of deponent, who thereupon
subscribed his/her name hereto as attesting witness,
Sworn to and subscribed before me,
On the date aforesaid,

(Notary)
MEliSSA FLANAGAN
"l My Commission ExPfles
, November 1 7. 2009
....l'
ASSIGNMENT OF MORTGAGE
MORTGAGE ELEcrRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE
FOR COUNTRYWIDE HOME LOANS, INC.
TO.
COUNTRYWIDE HOME LOANS, INC.
DATED: 3112108.
, .. Record lind Return to:
STERN, LAVINTHAL, FRANKENBERG & NORGAARD; LLC
293 ElsenJiolver PRrl(WRY " Suite 300'
Livingston. New Jersey 07039 .
009923-08_000032
J
STERN, LAVlNTHAL, FRANKENBERG & NORGAARD, LLC
293 Eisenhower Parkway - Suite 300
Livingston, NJ 07039
(973) 740-0700
200800803
Attorneys for Plaintiff
COUNTRYWIDE HOME LOANS,INC.
Plaintiff
Vs.
PING ZUO; MRS. PING ZUO, HIS WIFE and
BREHITA TABORN, TENANT
Defendants
: SUPERIOR COURT OF NEW JERSEY
: ESSEX COUNTY
: DIVISION
: Docket No: F-9923-08
: Civil Action
: CERTIFICATION OF PROOF OF AMOUNT
: DUE AND NON-MILITARY SERVICE
KERI SElMAN does hereby certify:
Proof of Amount Due By Employee of Plaintiff
1. Deponent, ________ KERl_S_EWAN ______ (Insert the deponent's name). is employed
by plaintiff at its __________ PlANo__;....;, _______ (insert the
City/slate location where the depommt works) office as a ___ ____ _
.. (insert the deponent's title/position), and as such, deponent, has the authority to make this affidavit on the
behalf of the plaintiff.
2. I have examined the records of the plaintiff concerning the above referred to obligation
and mortgage, and I find from said records that there is due to the plaintiff in this cause the sum of
$273,148.21 as set forth on the schedule annexed hereto, together with interest to grow due thereon from
4/22108.
009923-08_000033
3. I further state that the property described in the Complaint filed in this cause cannot be
divided and should be sold as a single tract.
4. There are no j'ust debts, setooOffs, credits or allowances due or to become due from the
plaintiff to the defendants, other than those set forth herein.
S. Plaintiff is still the holder and owner of the aforesaid obligation and mortgage.
6. Upon infonnation and belief, none of the defendants are presently in the military service
of the United States.
7. I hereby certifY that the foregoing statements made by me are true; I am aware that if any
of the foregoing statements made by me are willfully false, I am subject to punishment.
DATED: ~ I ~ \ d ,
"" "'o-r -,' ',.r--"I-, ..........""""""-"--"'--
009923-08_000034
,. (I
SCHEDULE TO CERTIFICATION OF PROOF OF AMOUNT DUE
Obligation (NOTE) bearing date of: 04/27/2007
In the sum of: $ 262500.00
Payable on: 05/01/2037
Per annum interest rate: 6.625%
Made by: PING ZUO
Secured by a mortgage set forth in the Complaint which obligation and mortgage are held by Plaintiff.
Principal balance as of date of default
Interest from
to
9/1/07
4/22/08
Advances made prior to default {I % I12007}
Advances for Insurance
Advances for Taxes
Late charges accrued to 3113/08
3@$84.04
Advances to Winterize and/or secure property only
Other (permissible) Advances Made
TOTAL AMOUNT DUE PLAmTWF
{Per Diem = $47.26}
$261,565.89
$ 11,105.42
$
$
. $ 194.78
$ 252.12
$ 30.00
$
$273,148.21
ADJUSTABLE RATE BREAKDOWN:
__
To: at __ % $ ______ _
From: ____ _
To: at % $
---------
From: ____ _
To: at % $
------------
009923-08_000035
/
STERN, LAVINTHAL, FRANKENBERG & NORGAARD, LLC
293 Eisenhower Parkway Suite 300 ENTERE.O IN THE RI:COROS OF
Livingston, NJ 07039 ISSUED IN C
(973) 7 ,- -- 2 0 (() 't)
Attorneys for Plaintiff ;..,:)
200800803
COUNTRYWIDE HOME LOANS, INC. : SUPERIOR COURT OF NEW JERSEY
: CHANCERY DIVISION
Plaintiff : ESSEX COUNTY
: DOCKET NO.:

Civil Action
PING ZUO; MRS. PING ZUO, HIS WIFE and
BREHITATABORN, TENANT WRIT OF EXECUTION
Defendant(s)
THE STATE OF NEW JERSEY
TO THE SHERIFF OF THE COUNTY OF ESSEX
by a certain jUdgment
in our Superior Court of New Jersey, in a certain cause therein pending, wherein the Plaintiff is
COUNTRYWIDE HOME LOANS, INC. and the following parties are the Defendants:
PING ZUO; MRS. PING ZUO, HIS WIFE and BREHITA TABORN, TENANT
it was ordered and adjudged that certain mortgaged premises, with the appurtenances, in the
Complaint (and Amendment to Complaint, if any) in the said cause particularly set forth and
described, that is to say:
The mortgaged premises are described as set forth upon SCHEDULE liN'
ANNEXED HERETO AND MADE A PART HEREOF.
Together with .all and singular the rights, liberties, privileges, hereditaments and
appurtenances thereunto belonging or in anywise appertaining, and the reversion and remainders,
rents, issues and profits thereof, and also all the estate, right" title, interest, use, property, claim and
demand of the said Defendant(s) of, in, to and out of the same, be sold, to pay and satisfy in the
'" so-, .... _"'." OI.' " .... '-" - I I' "'I '"""' ," " 0-' "'0' ,,- "-'''r'""''
009923-08_000036
first place unto the Plaintiff, COUNTRYWIDE HOME LOANS, INC., the sum of $273,148.21 being
the principal and interest secured by a certain mortgage dated April 27, 2007 and given by PING
ZUO, together with lawful interest thereon from Apnl 22, 2008 until the same be paid and satisfied
and also the costs of the aforesaid Plaintiff, with interest thereon; And for that purpose a Writ of
Execution shou'ld issue, directed to the Sheriff of the County of Essex commanding him to make
sale as aforesaid; and that the surPlus money arising from such sale, if any there be; should be
brought into our said court, subject to the further order of the said court; as' by the said judgment
remaining as ot'record in our said Superior Court of New Jersey, at Trenton, doth and may more
fully appear; and whereas, the costs of the said Plaintiff have been fully taxed at the following sum:
$3/90 d-\.f(P-..
Therefore, you are hereby commanded that you cause to be made of the premises
aforesaid, by selling so much of the same as may be needful and necessary for the purpose, the
said sum of $273,148.21 and the same you do pay to the said Plaintiff or its attorney, together with
lawful interest thereon as aforesaid, and the sum aforesaid of costs with interest thereon; and that
you have the surplus money, if any there be, before our said SuperiQr Court of New Jersey,
aforesaid, at Trenton, within thirty (30) days after sale to abide the further order of the said court,
according to the judgment aforesaid; and you are to make return at the time and place aforesaid,
by certificate under your hand, of the manner in which you have executed this our writ, together
with this writ.
'" I I ~ ' .,<- __ ...... , ... ,., '-1'" -, t'l "'I ..... , , "' \ '. 1 . <., .,- "-'''1'-'' ' ' ' r ' ' ' ~ ' ' ' ' ' i ' ' - - ' - ' ' ' - -
009923-08_000037


If no sale, said writ is returnable within (24) months.
R. 4:59-1 (a).
WITNESS, ;tt;;r; Ch" Judge of the Superior Court at
Trenton aforesaid, this day of ,;:t.Od g: I
Acting Clerk of SupllIrior Court
009923-08_000038
SCHEDULE "Au
ALL THAT CERTAIN Iract or parcel of land and premises situate, lying and being in the
err: OF NEWARK, COUNTY OF ESSEX and STATE OF NEW JERSEY. being more
partIcularly described as follows
Being known and designsted as Lot 151 and part of Lot )52 as shown on a certain map
enti1led "Map ofWeequabic Park Tract, Newark, NJ", filed in the Office oftbe E B B ~
Connty Register on August 11, 1911 as filed map no. 618.
Being more particularly described as follows:
Beginning at a point in the nortbeasterly line of Mapes Avenue distant 172.50 feet
southeasterly from its intersection with the soutbeasterly line of Mapes Place, and
running; tbence
1. Nortb 39 degrees 24 minutes East 100.00 feet; thence
2. Soutb 50 degrees 36 minutes East 37.50 feet; thence
3. Soutb 39 degrees 24 minutes West ]00.00 feet to a point in tbe northeasterly line of
Mapes Avenue; tbence
4. Along said line, North 50 degrees 36 minutes West 37.50 feet to tbe point or place of
Be(dnning.
The above description being drawn in accordance witb a survey made by Wm. DiMarzo
&Soo, ~ s o c . Jne. dated' August 16,2001.
,Known and designated as Block 3642 Lot 6 ontbe Official Tax Map 01 the CITY OF
NEWARK. ESSEX COUNTY. NEW JERSEY ,
Commonly known as 37 MAPES AVENUE. NEWARK. NEW JERSEY 07112
009923-08_000039
/ ')
STERN, LAVINTHAL, FRANKENBERG & NORGAARD, LLC Of
293 Eisenhower Parkway R Suite 300
Livingston, NJ 07039
(973) 740
R
0700 S t':\ \ ..
Attorneys for Plaintiff ()\"
200800803
COUNTRYWIDE HOME LOANS, INC.
Plaintiff
PING ZUO; MRS. PING ZUO, HIS WIFE and
BREHITATABORN, TENANT
Defendant(s)
: SUPERIOR COURT OF NEW JERSEY
: CHANCERY DIVISION
: ESSEX COUNTY
: DOCKET NO.: F-9923-08
Civil Action
CERTIFICATION OF SEARCH FEES
Jeanette Frankenberg, does hereby certify:
1. I am a Member of the firm of Stem, Lavinthal, Frankenberg & Norgaard, LLC,
attomeys for the Plaintiff in the above entitled action, and have full charge thereof.
2. I caused a search to be made of the records in the following office and in the
following County, to wit: ClerkiRegister of Essex County, for the purpose of determining the state of
the title of the premises under foreclosure in this action from the date of the recording of the
mortgage in question.
3. The total amount expended in connection with said foreclosure for which
taxation is asked and which sum Includes only such fees and charges as were actually and
necessarily paid or incurred for the purpose of this action is the sum of $471.10 and that sum does
not exceed the fees allowed by.law.
.. ..- .... , .... , ....... '''' .-' I '" I , , "" II "I'''''' -
009923-08_000040
"
I
4. The following is an itemized schedule of search fees and charges expended by
this office, including filing of Notice of Lis Pendens:
County Title Searches/Judgment Searches:
Filing Lis Pendens:
"TOTAL
$375.00
$50.00
$425.00
5. The following is an itemized schedule of fees incurred with respect to service of
process expended by this office:
Process Service (1 @35.00)
Certified Mail (2 @ $5.55)
TOTAL
6.
that if any of the foregoing statements ma
$35.00
$11.10
$46.10
009923-08_000041
Of
STERN, LA VINTHAL, FRANKENBERG & CO
293 Eisenhower Parkway - Suite 300 OC1 \\ 9. 1\)\\\\
Livingston, NJ 07039
(973) 740 - 0700
Attorneys for Plaintiff
COUNTRYWIDE HOME LOANS, ]NC.
Plaintiff
-v-
PING ZUO; MRS. PING ZUO, HIS WIFE and
BREHITATABORN, TENANT
Defendant(s)
SUPERIOR COURT OF NEW JERSEY
CHANCERY DMSION
Essex COUNTY
DOCKET NO. F-9923-08
Civil Action
Certification.
as to Non-Military Status
I, Jeanette Frankenberg, hereby certify as follows:
w
1. I am an attorney at law of the State of New Jersey and am an associate with the
firm of Stern, Lavinthal, Frankenberg & Norgaard, LLC, attorneys for Plaintiff, in the above
entitled action. As such, I have personal knowledge of the facts set forth herein and am
authorized to make this Certification on behalf of the Plaintiff.
2. I have made diligent and careful inquiry in the mmmer required by the rules of
this court to ascertain the military status of the defendant, PING ZUO, in the above captioned
matter. '
3. I was able to determine that said defendant is not in the military service. Please
see attached military status reports.
4. Due to insufficient information, despite the inquiry which was made, I was unable
to ascertain whether the defendants, MRS. PINGZUOand BREIllTA TABORNare in the military
service of the United States or its allies.
shment.
Dated: June 9, 2008
009923-08_000042
Request for Military Status
Page 1 of2
.,
Department of Defense Manpower Data Center
JUN-09-2008 08:48:09
-
< Last Name FirstlMiddle Begin Date I Active Duty Status I Service/Agency
ZUO PING. Based on the information you have furnished, the DMDC does not
possess any information indicating that the individual is currently on
active duty.
Upon searching the information data banks of the Department of Defense Manpower Data Center, based
on the information that you provided, the above is the current status of the individual as to all branches
of the Military. . .
Mary M. Snavely-Dixon, Director
Department of Defense - Manpower Data Center
1600 Wilson Blvd., Suite 400
Arlington, VA 22209-2593
o.
The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that
maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the
official source of data on eligibility for military medical care and other eligibility systems.
The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act
[50 USCS Appx. 501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940).
DMDC has issued hundreds of thousands of "does not possess any information indicating that the
individual is currently on active duty" responses, and has experienced a small error rate. In the event the
individual referenced above, or any family member, friend, or representative asserts in any manner that
the individualison'active duty, or is otherwise entitled to the protections of the SCRA, you are strongly
encouraged to obtain further verification of the person's active duty status by contacting that person's
Military Service via the "defenselink.mil" URL provided below. If you have evidence the person is on
active-duty arid you fail to obtain this additional Military Service verification, provisions oftbe SCRA
may be invoked against you.
If you obtain further information about the person ( e.g., an SSN, improved accuracy ofDOB, a middle
name),you can submit your request again at this .Web site and we will provide a new certificate for that
q u e ~ . .
This response reflects current active duty status only. For historical information, please contact the
Military Service SCRA points-of-contact.
See: http://wWw.defenselink.miIlfaq/pisIPC09SLDRhtml
, . 'I.
WARNING: This certificate was provided based on a name and Social Security number (SSN) provided
https:llwww.dmdc.osd.miIlowalscralscra.prc_Select 6/9/2008
, , .. " _ -, !'--..,-..... -. ., .. ,"""'--'-.... ~ -
009923-08_000043
Request for Military Status Page2of2
~
.-
;(
by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided.
Report ID:CD(lNKA WRMG
https:!/www.dmdc.osd.millowalscralscra.prc_Select
6/9/2008
009923-08_000044
J
Stem, Lavinthal, Frankenberg & Norgaard, LLC
293 Parkway Suite 300 .
Livingston, New Jersey 07039
(973) 7400700
Attorneys for Plaintiff
COUNTRYWIDE HOMBLOANS, INC.
Plaintiff,
vs.
PING ZUO; MRS. PING WO, HIS WIFE and
BREHITA TABORN, TENANT
Defendant(s),
Or NJ
MAY 08 2Dn8
(r'!
SUPERIOR cMt OF NEW JERSEY
CHANCERY DMSION
ESSEX COUNTY
DOCKET NO.: F-9923-08
CIVIL ACTION
ORDER CORRECTING NAME OF
DEFENDANT AND CORRECTING
CAPTION
THIS MATTER being opened to the Court by Stem, LavinUla1, Frankenberg & Norgaard, LLC,
Attorneys for Plaintiff, COUNTRYWIDE HOME LOANS, INC., and it appearing that the proper given
name of Defendant, UNKNOWN TENANTS/OCCUPANTS bavingbeen revealed, and the Court
having considered the papers su m' ed herein, and for good cause having been shown;
IT IS, on this of ;h7.ft ,2008
. I'
ORDERED that the Complaint and all other -pleadings in this matter be amended to COl'rect the
name of the Defendant, UNKNOWN TENANTSIOCCUP ANTS 1-5 to read as follows:
BREHlTA TABORN, TENANT
AND IT IS FURTHER ORDERED that the caption is hereby amended to include BREHlTA
TABORN, TENANT in the place and stead of UNKNOWN TENANTS/OCCUPANTS 1 .. 5.
J.S.C.
" " '.,,' '" '.',., '" .'.n 1- """,' -- ...
009923-08_000045
t" 'M .........

RFG't) 8r. FO .. 8D
STERN. LA VINTHAL, FRANKENBERG & NORGAARn, SUr5EFHOR C\')lJf\T
OT"
293 Eisenhower Parkway - Suite 300 "" 0'0\"",,-'(\0 r f
. ,,\'"
Li vi ngston, NJ 07039 0. f,,0 .. n : I
(973 )740-0700 ':!I..J tJj!.;{ 0 i') (.I ! I
Attorneys for Plaintiff 'Ora O
... . 1
200800803 e'\'" ...,;:s. .... . rl.l .. r C? 1I1(>.'I/,,'1I..J
.. '.-1 11,:_
y ..
COUNTR YWIDE HOME LOANS, )Nc. . COURT OF'
ESSEX COUNTY
Plaintiff. CHANCERY D1VIS10N
vs.
PING ZUO; MRS. PING ZUO, HlS WIFE
und BREHJTA TABORN, TENANT

Defendunt(s),
Clerk, Superior Court of New Jersey
Chuncery Division: Foreclosure Unit
Richard J. Hughes Justice Complex
CN 971
Trenton, New Jersey 08625
Docket No: F-9923-08
Civil Action
REQUEST TO ENTER DEFA ULT
AND CERT1FICATION
You will please en leI' tbe default of the following defendums herein:
PING ZUO; MRS. PING ZUO. IDS WWE and BREHIT A TABORN, TENANT
for fuilure to pJeud or otherwise defend as provided by the Rules of Civil Practice of the Superior
Coun.
DATED: May 2. 2008
'''' II '''I' -" ,;.1'--..- ..." ..........---. .. --
009923-08_000046
,', 1
STERN, LAVINTHAL, FRANKENBERG & NORGAARD, LLC
293 Eisenhower Parkway - Suite 300
Livingston, NJ 07039
(973) 740-0700
Attorneys for Plaintiff
200800803
COUNTRYWIDE HOME LOANS, INC.
Plaintiff,
vs.
PING ZUO; MRS. PING ZUO, HIS WIFE
and BREIDTA TABORN, TENANT
Defendant(s),
TO: Clerk, Superior Court of New Jersey
Chancery Division: Foreclosure Unit
Richard J. Hughes Justice Complex
CN 971
Trenton, New Jersey 08625
SUPERIOR COURT OF NEW JERSEY
ESSEX COUNTY
CHANCERY DIVISION
Docket No: F-9923-08
Civil Action
REQUEST TO ENTER DEFA ULT
AND CERTIFICATION
You will please enter the default of the following defendants herein:
PING ZUO; MRS. PING ZUO,IDS WIFE and BREIDTA TABORN, TENANT
for failure to plead or otherwise defend as provfded by the Rules of Civil Practice of the Superior
Court.
DATED: May 2, 2008
' ~ I I, "'!" -" ".1'-...,_''''-..,. .... ''''''''-'' - .
009923-08_000047
;
, .
CERTlFICATION
Jeanette F. Frankenberg does hereby certify:
1. 1 am a member of the firm pf Stern, Lavinthal, Frankenberg & Norgaard,
LLC, attorneys for plaintiff in the above entitled action, and am in charge of the prosecution
of said action.
2. The following defendants were served on the date set forth after their
names with a copy of Summons and Complaint;
PINGZUO- Complaint Served on 03/20/08
MRS. PING ZUO, HIS WIFE - Complaint Served on 03120108
BREHITA TABORN, TENANT- Complaint Served on 03120108
as appears from the return of service of said Summons (and Acknowledgment(s) of Service,
if any) or as appears from the Certification of Publication andlor Certification of Mailing
filed in connection herewith; that the time within which the above named defendants may
answer or otherwise 'move as to the'Complaint (and Amendment(s) to Complaint, if any) has
expired; that the above named defendants have not answered or otherwise moved, and that
the time for the above defendants to answer or otherwise move has not been extended.
3. I hereby certify that the foregoing statements made by me are true; I am
aware that if any of the foregoing statements made by me are wilfully false, I am subject to
punishment.
DATED: May 2, 2008
1<' II I "f _" ".F-.. '_'.., ... . . , , " " " O - . ~ -
009923-08_000048
s
,
"
'it
..
COUNTRYWIDE HOME LOANS,
INC.
vs.
PINGZUO. ET AL
Person to be served (Name & Address):
UNKl'!l.QWN TENANTS BREHITA
TABORN
37 MAPES AVENUE
NEWARK, NJ 07112
Attorney:
Michael Vardilli, Esq.
Plaintiff
Defendant
Superior Court Court of New Jersey
Chancery Division
Essex County
Docket Number: F9923"08
AFFIDAVIT OF SERVICE
(For Use by Private Service)
Cost of Service pursuant to R. 4:43(c)
$
------
Papers SerVed: Summons. Complaint in Foreclosure. Notice Required By The Fair Debt Collection, Certification.
Schedule A. and Lawyers Referral List
Service Data:
Served Successfu/ly_X_ Not Served_Date: 312012008 Time: 8:11 pm Attempts:
x
Delivered a copy to him I her personally
left a copy with a competent household
member Over 14 years of age residing
therein
Left a copy with a person authorized to
accept service, e.g. managing agent.
registered agent, etc.
Description of Person Accepting Service:
Name of Person Served and relationship' title:
BREHITA TABORN
TENANT 1ST FLOOR
Sex:_F_ Age: 50+ Skin Color:_B_la_c_k __ _ Hair COlor: . ..,.;B;;.,;la;;,c;;.,;k;....-___ _
Unserved:
( ) Defendant is unknown at the address furnished by the attorney .
( ) All reasonable inquiries suggest defendant moved to an undetermined address
( ) No such street in municipality
( ) No response on: Date Time
Date Time
( ) Other: ___ _____ _
Comments or Remarks: TENANT STATED LANDLORD LIVES IN MASSACHUSETIS.
Server Data:

Slnlr ." Nov rmry
IIJ, w, ... " _It' (lq...t.,-lOlO
I, JACQUELINE TINNEY. was at the time of service
a competent adult not having a direct interest in the
litigation. I declare under penalty of that the
for oing is true and correct.
,
TATUS, L.L.C.
1731 Route 22 West
Suite 707
Union. NJ 07083
(908) 2456300
Our Job Serial Number: 2008002301
Ref' 200800803
Date
"'I' -" ',.f- ... "I-........ P;'.....,---I'----'--.
009923-08_000049
STERN, LA VINTHAL, FRANKENBERG & NORGAARD, LLC
293 Eisenhower Parkway - Suite 300
Livingston, NJ 07039
(973) 740-0700
Attorneys for Plaintiff
200800803
COUNTRYWIDE HOME LOANS, INC.
Plaintiff
-v-
: SUPERJOR COURT OF NEW JERSEY
: CHANCERY DIVISION
: ESSEX COUNTY
: DOCKET NO.: F-9923-08
PING ZUO; MRS. PING ZUO, HIS WIFE and
UNKNOWN TENANTS/OCCUP ANTS 1-5 Civil Action
Defendant( s)
From The State of New Jersey
Name of the Defendant(s) to be served:
UNKNOWN TENANTS/OCCUP ANTS 1-5
Address of the Defendant(s) to be served:
SUMMONS
37 MAPES AVENUE, NEWARK, NJ,07112
The plaintiff, named above, has filed a lawsuit against you in the Superior Court of New Jersey. The complaint
attached to this sunnnons states the basis for this lawsuit. If you dispute this complaint, you or your attorney must file a
written answer or motion and proof of service with the deputy clerk of the Superior Court in the county listed above
within 35 days from the date you received this summons, not counting the date you received it. If the complaint is one in
foreclosure. then you must file your written answer or motion and proof of service with the Clerk of the Superior Court,
Hughes Justice Complex, CN-971. Trenton. NJ 08625. A $135.00 filing fee payable to the Clerk of the Superior Court
and a completed Case Information Statement (available from the deputy clerk of the Superior Court) must accompany
your answer or motion when it is filed. You must also send a copy of your answer or motion to plaintiffs attorney whose
name and address appear above, or to plaintiff, if no attorney is named above; A telephone call will not protect your
rights; you must file and serve a written answer or motion (with fee and completed Case Information Statement) if you
want the court to hear your defense.
If you do not file and serve a written answer or motion within 35 days, the court may enter a judgment against
you for the relief plaintiff demands, plus interest and costs of suit. If judgment is entered against you, the Sheriff may
seize your money, wages or property to pay all or part of the judgment.
If you cannot afford an attorney, you may call the Legal Services office in the county where you live. A list of
these offices is provided. If you do not have an attorney and are not eligible for free legal assistance, you may obtain a
referral to an attorney by calling one of the Lawyer Referral Services. A list of these numbers is also provided.
DATED: March 20, 2008
/s/ Theodore J. Fetter
Theodore J. Fetter,
Acting Clerk of Superior Court
THIS COMMUNICATION IS AN A TIEMPT TO COLLECt A DEBT AND ANY INFORMATION
OBT AlNED WILL BE USED FOR THAT PURPOSE
009923-08_000050
Ne .. J.n<y AIlocUOon
Lawyer Rclwal Se"""
(BO) J610089
Let:sl of New 'erley. Inc
(90S) sn9'00
A T1..At!TIC COl1NIT
AtlanllC Counry Bar "'.nOClerlon
\...rrwyer R.fma' Sc"'lce
1609))45.)444
Cepc.AUanUc Le.gal
(609) )484200
:8 ERG 01 COlJ!':lTY
Sergen Counry au AJSOCI./lOrl
Lawyer Referral ServIce
(201)418 .Q()44
Bergen Cou"lY LegoJ Scrv,,;CS
nOI) 4&72166
BlfRLINGTON COUNTY
Burl.ngton C",unl)' 8u A!soeral.o
n
L.awyer Rcfernl Se""CC
(609)261.4862
Reg.on" L.cgal Se"""S
(609126 1.1088
t;AMO.N COUNTY
Calnden CounlY Bu IUSOC'll.on
L.rlwyer Refernl Se",,,e
(816) 964-4110
'Reglo"al Leg.' Serv.ces
4963001
MAY COUJIfrY
Capc May Counry Sa! AJloclalfOil
Lawyer Rcfeml Sc",,,c
(609) .6).0)1)
Capc.AlhJltic Legal Scrv.cc.s
(609) 461)001
CUM8 ERLAND COl/NTY
COulll)' Bas AIIot.ahon
Referral Se""cc
(609).692 -6201
Le gel Aid Soclery
(609) 451.()()O)
ESSEX CQI,INTY
EssecCounry BII AssOelallQn
Lawyer RdelTlll Servlcc
{9.1lI621-6201
esse. County Legal AId Alloe
(91)) 6U1 S 1 J
{fLOUCESTER COUNTY
GlouceSle' Counry Sal A.lsocla/lon
Lawy:, Referral SClV'CC
(H6) 84104SS9
Rcglonall:gal SC""C:I
(BS6) 84 !SJ60
- .... '-''' , ...
tlUpSOI'l CQUNTY
Hudlon Counr, Bas AHoc.al,,)n
L''''Yel Referral Scrv,ce
(2011198.l72
7
Hudson Counry Legal ServlcCI
(101) 192626J
HUNTERDON COUND
Counl)' Bat AssOt.allon
Lawyer Refeml ServIce
(908) 7)S26 I I .
Hunlc,don Counry LeC" Serv,ces
(908) 7821919
MERCER COlJlfTY
Mcrcer County ell
\.4wyc' ReferTal ServICe'
(609) 58 5
Legal AId SocletyMelee, Coumy
(609) 69S6249
MIDDLESeX COUNTY
Counl)' BII ASSOClal.lon
.... wycf Rcfc,nl SCIVU:C
(7J21828-ilOSJ
MIddIes CounlY Legal Servlcel
(1)1) 249 1600
MONMOUTH COlR'lTY
MonmOl/1lI CounlY au ,",ssoelar.on
U"'Y" RcfelTa
l
Serl"ee
(7 l2)4) I SS44
Ocean. Monmoulll COU"I)' Legal
Serv.ccs
/Ill) 866 01n0
MORRIS CQUN'TY
Moms CounlY B IIJ A5SOCI.llon
La"'Yer Re(cnal Servlcc'
(911) 267SB82
Legel AId Sococry of MOtTIs

QCEAN COUNTY
Ocean Counl)' Bar IUloe.allon
.... "')'(, R e(enal Serv.C,
(132) 240'}666
OCeM.Monmoulh Legal Services
n 12I )411711
PASSAIC COUNTY
Pa.l.Hlc Counry B;u ASSOCI.al.o
n
LawyCl Rcfcml Serv.Ce
(911) 1789U)
Coun.ry Legal A.d
(91))
COl1l'lTY
S.lem Counry Bar .'Usoc.Jllon
l..Iwyc, Rcfcr',al Sc""cc
6188)6)
Reg.onJi Leg., Servlecl
(8;6) 1000)
SOM!:RSET CO\JNTV
Somers" Ccunry8as A.$I()c.)f,,r.
Ld"'Y" Refe"a! Serv.lc,
(908 J 68 H J2l
Somel!CI'SUSS", Lega! Serv.(:!
1908) 2J I '{)S40
S.!.lSSEX COUNTY
SuSS" Counry Bar A!SOC,aLJon
LilWYCl Refen'" Service
(913) 261.)882
$omClScl,SuHCl I.cgaJ ServIces
(97l1)8J.1400
UNION COUNTV
Union Counry Ba, A SSOC I
Lawyer Refenal Serv.ce
(908) ) 5).4 711
Union CounlY Legal Serv.ees
(908)) S4 4 )40
WARREN COtJNTY
Wall'en CounlY BII AlSOC.alron
L.awye, Refenal ServIce
(91J) 1615882
we.rr<n County Serv,en
191)) HI lOJO
'Cunden Regional Lega.! Serv.cel 'nc
le"',1 Bu,lInglen
J/ld Salem Cou",'eI
009923-08_000051
'.,
STERN, LA VINTHAL, FRANKENBERG & NORGAARD, LLC
293 Eisenhower Parkway - Suite 300
Livingston, New Jersey 07039
(973) 740-0700
Attorneys for Plaintiff
COUNTRYWIDE HOME LOANS, INC.
Plaintiff,
VS.
PING ZUO; MRS. PING ZUO, HIS WIFE and
BREHITA TABORN, TENANT
Defendant(s),
SUPERIOR COURT OF NEW JERSEY
CHANCERY DJVISlON
ESSEX COUNTY
DOCKET NO.: F-9923-08
CJVlL AcrlON
CERTIFICATION OF INQUJRY
I, Jeanette F. Frankenberg, does hereby certify:
1. I am a member of the firm of Stern, Lavinthal. Frankenberg & Norgaard. LLC..
attorneys forthe Plaintiff in the above entitled action, and have full charge thereof.
2. Inquiry has been made with respect to the present whereabouts of the defendants,
PING ZUO and MRS. PING WO, IDS WIFE, in order to serve them in the above foreclosure action.
3. I have been advised by JacqueJine Tinney, a private process server, that she has
been unable to personally serve a copy of the Summons and Complaint upon the defendants, PING
ZUO and MRS. PING WO, HlS WIFE, at the mortgaged premises commonly known as 37 MAPES
AVENUE, NEWARK, NJ 07112. as the premises is tenant occupied. The tenant advised that the
defendants currently reside in Massachusetts, but was unable to provide a forwarding address.
4. A Sldp Tracing Investigation was conducted. The Investigator performed a
Social Security Number Search, a Directory Assistance Search, a Forwarding Address Request
and Division of Motor Vehicle Search for the defendant, PING ZUO, all of which revealed the
address of 193 BOSTON POST ROAD, WESTON, MA 02493. Directory Assistance advised that
there is a telephone number listed to "PING ZUO" at this address. On each occasion that this
office tried to contact the defendants, there was never any answer.
, I " I "I .eel' ".t--"!-''''' ...... ' ...... ~ - - ' - -
009923-08_000052
r ,
-:1
5. Inquiry has also been made with the United States Poslalauthorities as to the
address of 193 BOSTON POST ROAD, WESTON, MA 02493, for the defendant. PING ZUO. The
--t-
postal search was returned marked "go'od as addressed" and is attached hereto.
6. Pursuant to the Rules of the Superior Coun of New Jersey with respect to
substituted service. this office did mail on March 20, 2008. by regular and cenified mail, return
receipt requested, envelopes containing a copy of the Summons and Complaint to the defendants,
PING ZUO and MRS. PIN'G ZUO. IDS WIFE at 193 BOSTON POST ROAD, WESTON, MA 02493.
7. I hereby certify that the foregoing statements made by me are true; J am aware
false.] am subject to punishment.
Dated: May 2, 2008
, c, I ... ,' ,.r-..... , .... , .... ___.. ,..-a--'-.... ---
009923-08_000053
i:\ LrMITEO I.IAI3II,ITY COMPANY IN('I.I,;OINC. A PROFESSIONAL
COIINSEI.1.0RS AT LA W
29.1 r. Snn: 300 P.O. Box 1660 - LIVINCSTON, NJ 070391'660
973- 740-0700 - 973-53S-395 1 FAX
LiiJ.l!"..
('11>. !-,Iah 71P ("od(
March 20. 2008
Rc.qlll'.<l/or 0/ Address or Boxholtler
/nformollon ."'eMI'li/or Semcl' of Legal PrOC'(!SJ
Ph ".\I',JuTflI"h Ih, ",'" "!/Ill. IlIlml /I"" (if II borho/tfer) for IIII' followmg
1'1'\( I II '0

!'O"ll llw name lasl Imllwn ale rcqllllcd 101 change [If address ml0TT113110n The Name, If known. and pos. office bll'
1m mh'mI3(11)11
'1l1J,l\'1!lj! m'i'rma'I('n 1'1l'\lded m 3,'CIl,dame \\11h (,FR ]fJf. fJ(d)(C>)(n) IS no fee fOf plovldmg boxholdel mfonnalJ.m
nil" h.'c It" pII1\,ldmp "hange .. I mhlnnallon 1$ waIved In 1111h 39 CFR 265,6(d)( I) and (2) and
Suppon Manual 443 aml h
I Capa"lIl ,,( I('quem', Ie g , pan>, hllnS<,lf) ATTQRNEYS FOR PLAINTIFF
:'1:J1U( I" Ifl1ul3110)1) thai cmpll" m nl\' hI e process Inol required when an allomc:y 01 a pan) aCllnll pm - e)(CCpl a
COrpllr:tlllln acunp PTll $(' muM I _, _ NOT APPI !CABLE
TIll' ,'j all knll\'1l 1t1l!,!311"n ('OlINTR\,WlDt: 1I0ME l.OANS, INC. vs. PING ZtlQ, ('1 al.
4 The (\Un In whICh Ihe ClISt' been III \\111 br heard SUPERIOR CQURT OF NEW JERSEY; CHANCERY DIVISION
f. 11,<, of olhel Idennf)1ng numlm If <'nr been F-9?23-08
(, The rn "'h,en rndl\ 10 b<' (e defendanl or Wlmc5s) DEFENDANT
'WARNING
Tht' submi.lsioll of foist' informaliOll /0 obloin and I15t' chongI' of oddreSl illjormolioll or boxhold.-, illformalion f01 on)' purpo$t' olhn
Iholl tht' $fr,-irl' oj I"col pro('('$5 in rOnIlI'CI;OIl ",i,h QClUO{ or prospt'cli,'e litigation ('ould 1/'51111 In c,imillo/ peno/lil's induding a jini 0/
up (0 SlIl,OOO or imprisollml'1II 0' (2) /0 D"oid fHI.I'nIt'''' of IIII' fu for chongI' of oddress ;"jormQtion 0' no, morl! than 5 or b011r
(Tifl' 18/:S.C. Sl't'Iion 1001),
001'1' " .. formal/on IS m,,' (I/ltt Ihn//ire addreS5 informal/Oil IJ 1J(edetl and hm be IISOO Jole{l'/or sprWCI' 0..' '"
(lIIn/ Ilf prospt'{'I/I'(' itl/}l(JIIOII
. Slll
nalu
-; ...... ;.r----
Trish Uzza
Name
STERJ", I.AVlNTUAJ., FRANKENBERG & NORGAARD. U.C
293 Eisl'nhowl'r Parkway - Suile- 300
UVingslon, Nl'w Jl'rscy 07039
IF A 1',1), BOX I'LEASE 5\1.1'1. Y STRHTAJ)J)RESS,
130XHOI,I)ER';) POSTMARK
_ No. klltl"" 81 address gwen
_ Moved, left no (orwardln!l
_ Nn sUfh
FOR POST OFFICE LISE ONLY
_ Nil change of address order on file
NAMl; and STREET ADDRESS
PQ
009923-08_000054
STERN. LAVlNTHAL. FRANKENBERG
& NORGAARD, LLC
293 Eisenhower Parkway - Suite 300
Livingston, New Jersey 07039
(973) 740-0700
Attorneys forPlaintiff
COUNTRYWIDE HOME LOANS, INC.
Plaintiff,
vs.
PING ZUO; MRS. PING ZUO, HlS WIFE and
BREHlTA TABORN, TENANT
Defendant(s),
SUPER10R COURT OF NEW JERSEY
CHANCERY DIVISION
ESSEX COUNTY
DOCKET NO.: F-9923-08
CIVD.. ACTION
CERTIFlCA T10N OF MAll..lNG
Angela Pierro, does hereby certify:
1. I am employed by the firm of Stem, Lavinthal, Frankenberg & Norgaard, LLC,
attorneys for the Plaintiff in the above entitled action.
2. On March 20, 2008, this office did mail, via certified mail, return receipts
requested and via regular mail, a copy of Summons and Complaint in Foreclosure to PING ZUo
and MRS. PING ZUO, HIS WIFE at 193 BOSTON POST ROAD, WESTON; MA 02493. The Certified
. Domestic Return Receipts for Article Numbers: 7007 0710 0000 6793 4166 and 7007 0710 0000
67934159 were returned marked "unclaimed" and are attached hereto. The regular mail has not
been returned.
3. Also annexed hereto is a copy of the Summons which requires the defendants to
answer the Complaint in Foreclosure within thirty-five (35) days after service.
4. I hereby certify that the foregoing statements made by me are true; I am aware
that if any of the foregoing statements made by me are wilfully false, I am subject to punishment.
Angela Pierro
Dated: 2, 2008
." , 1" 111. """'"" ,"01"
009923-08_000055
STERN, 1..'\ VINTHAI.. FH:\:"It\ENBERG & /,\()RG.',\RJ), LL('
293 EisenhoH ('r Pnrkway - Suire JOn
Livingston, NJ 07039
(973) 740-0700
(97.l) 535-395 J
___ . __________ ....:...-___ ________ .. .._ .... ' .. ___ ._ ..
PING ZUO
193 BOSTON RD.
\,' ESTOl'\. :-"'1:\ 193
Dear Sir or Madam:
Rc: COl'NTR )'WIDE HOM E LO,A.NS.
vS.PING ZUO. ct als.
Docket No. F <)')2.\08
In reference \0 the above enlliled action, enclosed please lind copies 01 Ih\.'
Summons. Complaint in Foreclosure. Same is hereby ser\'ed upon you in accordance \\ Ilh
the Rules of Co un
Pkast: he gUided accordingly
Vcry truly yours.
STERN, LA VINTHAL. FRANKENBERG &: NORGAARD, LLC

Michael VardilJi
PQ
,.. ... (I..) "',
'<r...,..
.. 'It .. (I. 0""L , ...;::;:;;;::--

O?c 55
0
P88760090
9221 $.J. I MAl? 08
'-12 1 1'1>"'" : . ',: 0 7 (I 3 9
009923-08_000056
STt-:l{!". LA \'INTtIAL. FRANKENBERG & NORC;AARD, LI.C
293 Eisenhower Parkway - Suite 300
;\.1RS ZU).I US \\'IFI:
193 BOSl():\ RD .
\VESTO". 11)3
Livingston, NJ 07039
(973) 740-0700
(973) 535-3951
!\'Iarch 10. 200S
Re COL:\,TR YWIDE HOME LOANS, INC.
\s.PING ITO, et als.
Dockt?1 F992308
Dear Sir llJ \laJam'
In n:fL'rl'J)(C 10 the abl)\'c t:nutlcd action, enclosed please find copIes or the
Summolls. (\1Jllriallll III Foreelosurc Same IS hereby served upon you in accordance \\'l1h
the :\ew Ruks of
Vcry lruly yours,
S'! ERi'. LA FRANKENBERG & NORGAARD, LLC'

--.. ... _----
oNl \11111 IIMII\O. 811\
I., .. "", .. ,. ") 1/711
., eQ
iI_mml
ffllliJ
. \\\ \\\\\\\\\\\\\\\\\ \U\\U
7007 0710 0000 6793
III." .. /,I,J, ,//./ .. "1/,,, /, /, /. I,,, 1,1/,
(
009923-08_000057
i!r '
1
STERN, LAVINTHAL. FRA!\'KJ:NBERG 8.: NORGAARD. LLC
Eisenhower Pal k\\'ay - SUJle
I.I\'mgSton. NJ
(973) 7400700
200S0080J
Attorneys for Plamhff
u=c.:.::oON I H'M'IDE IloME lOANS, INC.
Plamnff
Vs
PJ?,(j lUO, MRS, PI?-:G zeo. HIS WIFE and
l'!'\KNOW;-'; TENANTSIOCn:PA1"TS )5
Defendants
from The Stale of New Jersey
of the Dl'fendam(s) 10 be served:
ZllO A1"D MRS PNG ZUO. HIS WIFE
Address of the Defendanl{s) 10 be served:
BOSTON RD
WESTON. MA 02193
ESSEX COVNTY
(,)-lANCERY
Docket !':o:
Civil ActIon
SUMMONS
The plaintiff. named abo\'e. has filed a lawsuit againsl you in the SupeTlOJ ('oun of :-:\.'\\ Jl'Tloey. The
complalnl aJ1ached 10 IhlS summons stales the basis for this lawsuit, If you d,spute thIS complaml. you or YOUI
3nOrnl'Y musl file a WTllten answeJ or motion and proof of service with Ille deputy c It'l k (11' thl' Supmor (. nun III
Iht' county listed abo\'e wJlhm 35 days from the date you received thIS summonS. nOI counting the date )OU
rl'rc.>I\'ed II. If the C'omplalnl IS one In foreclosure. then you must file yow wnnen am.\\er pr rm)tH)JJ and proof
of Mlh the ('Jerk of the Superior Court. Hughes Justice Complex. CN971. Tremon. J'J A
S J:5 00 fillng fc.>e payable to the Clerk of the Superior Coun and a compleIed Infonn3uon
(a\'allabJe from the deputy clerk of the Superior Court) must accompany your answer or mOHon when filed.
You must also send a copy of your answer or motion 10 plaintiffs anomey whose name and appear
above. or to plaintiff. if no anomey is named above. A telephone call will not protect your Tlghts: you musl tile
and serve a wrinen answeJ or motion (with fee and completed Case Information Statement) If you Wi!nI the
C0UT110 heal your defense.
)fyou do 1'101 file and sen't' a minen answer or motion within 35 days. the coun may c.>nter a Judgment
agamsl you for the relief plaintiff demands. plus interest and costs of suit. If judgment IS entered ag31n$1 you.
the SherifTrnay seize your money. wages or property to pay all or part of the judgment.
If you calUlOt afford an attorney, you may call the Legal Services office in the COUllt)' \\,11('1(,' you h\'e,
A hSI of these offices is provided. If you do not have an attorney 'and are not eligible for free legal aS$I$tance.
you may obtain a refl'rraJ to an anomey by calling one of the Lawyer Referral Sen'lCes. A hst of the!',' numbers
IS, a Iso prOVided.
DATED-
/SfTlreodore J. Fetter
Theodore J. Fetter
Acting Clerk of Superior COUI1
THlS COMMUN1CATJON IS AN ATTEMPT TO COLLECT A DEBT AND Ar-;'Y
INFORMATION OBTAINED WILL BE USED fOR THAT PllRPOSE
009923-08_000058
11";
"Ie; r ..
I
NS!'" 1!!J.!I..!t:)!.....1"wQ!P9r)
lw!oN;;f Rcrelfa. SChlt('
(SO) I)OB9
I.e eol SCI'V'to of N:w Ie r.e, ',.
1 1VOJ
A TLAthJt CQlJl:,n
A"anlle Counry B", Alloe,."...,.
I.lIWYCl'Rdena,5el""('
),)444
Ccpe AU8llbC Leg.1 Sen-.t.:,
(609) J48
8ERGEN COllNTV
Counry Bll AlIO( IIon
Lawyer RefClraJ Se",.cc
(101 ) C8 8 .()()44
Be'1:n Couni).
nOllm"66
B UR trNG TON (OUNn
Burlongton Counry ell AHIX "" .
l...ewyer Reten.1 SeN.r..<
(609) 161 .;861
, 'Rce.on" S.,.",eu
1609} 16. 1088
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293 Eisenhower ParJcway - Suite 300
Livingston, New Jersey 07039
(973) 740-0700
for Plaintiff:: ...
COUNtRYwIDE, HOME LOANS, INC.
Plaintiff,
.'
vs.
PING ZUO; MRS. PING ZlJO, HIS WIFE and
BREHIT A TABORN, TENANT
Defendant(s),
FILED NJ
SUPERtOR couRT OF
MA'f 081008
C.P.Ho
SUPERIOR COURT OF NEW JERSEY
CHANCERY DIVISION
ESSEX COUNTY
DOCKET NO.: F-9923-08
CIVIL ACTION
ORDER CORRECTING NAME OF
DEFENDANT AND CORRECTJNG
CAPTION
TIllS MA TIER being opened to the Court by Stem, Lavinthal, Frankenberg & Norgaard, LLC,
Attorneys for Plaintiff, COUNTRYWIDE HOME LOANS, INC., and it appearing that the proper given
name of Defendant, uNKNOWN TENANTS/OCCUPANTS 1-5, having been revealed, and the Court
having considered the herein, and for g7ause having been shown;
IT IS, on day of me:, L ,2008
..
.'
0RI?ERED that the Complaint and all oVier pleadings in this matter be amended to correct the
name of the Defendant, UNKNOWN TENANTS/OCCUPANTS I -5 to read as follows:
BREHlT A TABORN, TENANT
AND IT IS FURTHER ORDERED that the caption is hereby amended to include BREHITA
TABORN, TENANT jn the place and stead of UNKNOWN TENANTS/OCCOPANTS 1-5.
Reilpec futly recOmmMG.led
R. 1 :34 OFFICE OF FORECLOOIJR-E
, ,..' '''I -" ',.r-... .,_ ..... , ...' ..... -<
009923-08_000062
STERN, LAVINTHAL, FRANKENBERG & NORGAARD, LLC
293 Eisenhower Parkway - Suite 300 ;' % THe RECORDS OF EXECUTIONS
Livi.ngston, NJ 07039 OFRCE ?:PERIOR S
(973) 740-0700 7 0 It) , >. '9
Attorneys for Plaintiff . . ...;:;;J . --'" (J
200800803

: SUP(;RIOR COURT Or: NEW JERSEY
: CHANCERY DIVISION
Plaintiff
-v-
: ESSEX COUNTY
.
.
: DOCKET NO.: F-9923-08
Civil Action
PING ZUO; MRS. PING ZUO, HIS WIFE and
BREHITA TABORN, TENANT WRIT OF EXEC
Defendant(s)
THE STATE OF NEW JERSEY
TO THE SHERIFF OF THE COUNTY OF ESSEX
GREETING:
. Whereas, on the foUowlng date, a certain judgment
in our Superior Court of New Jersey, in a certain cause therein pending, wherein the Plaintiff is
COUNTRYWIDE HOME LOANS, INC. and the following parties are the Defendants:
PING ZUO; MRS. PINGZUO, HIS WIFE and BREHITA TABORN, TENANT
it was. ordered and adjudged that certain mortgaged with the appurtenances, in the
Complaint (and Amendment to Complaint, if any) in the said cause particularly set forth and
described, that, is to say: ..
The premises are described as set forth upon SCHEDULE liN
ANNEXED HERETO AND MADEA PART HEREOF.
Together with all and singular the rights, liberties, privileges, hereditaments and
appurtenances thereunto belonging or in anywise appertaining, and the reversion and remainders,
rents, issues andprofitsJhereof, and also all the estate, right, title, interest, use, property, claim and
demand of the said Defendant(s) of, In, to and out of the sold, to pay and satisfy in the
009923-08_000063
first place unto the Plaintiff, COUNTRYWIDE HOME LOANS, INC., the sum of $273,148.21 being
1'. r "
the principal and interest secured by a certain mortgage dated April 27, 2007 and given by PING
ZUO, together with lawful interest thereon from April 22, 2008 until the same be paid and satisfied
and aIs<l the rostse! the aforesaid Plaiirtiff, WIth Interest thereonr for that purpose a of
Execution should issue, directed to the Sheriff of the County of Essex commanding him to.make
sale as aforesaid; and that the surplus money arising from such sale, if any there be, should be
brought into our said court, subject to the further order of the said court, as by the said judgment
remaining as of record In our said Superior Court of New Jersey, at Trenton, doth and may more
fully appear; and whereas, the costs of the said Plaintiff have been fully taxed at the following sum:
$ 3ic
0
'a'si
Therefore, you are hereby commanded that you cause to be made of the premises
aforesaid,' by selling sf much of the same as rna, y be and necessary for the purpose, the
said sum of $273, the same you do pay to the said Plaintiff or its attorney, together with
lawful interest thereon as, aforesaid, and the sum aforesaid of costs with interest thereon)and that
you have the surplus money, if any there be, before our said Superior Court of New Jersey,
aforesaid, at Trenton, within thirty (30) days after sale to abide the further order of the said court,
according to the judgment aforesaid; and you are to make return at the time and place aforesaid,
by certificate under your hand, of the manner in which you have executed this our writ, together
with this writ.
. ,,, . ,' .'''! .... '' 'r ....' ..... " .... ,,"""--"
009923-08_000064
If no sale, said writ Is returnable within twenty-four (24) months.
R. 4:59-1 (a).
WITNESS, the Honorable Mt Marinari Sypek Ch., Judge of the SupeJ10r Court at
Trenton aforesaid. this tj\fA. day O f ~ . ~ (
J ~ ~
ACting Clerk of SuperIOr Court
009923-08_000065
.$ 1-
SCHEDULE "A"
ALL THAT CERTAIN tract or parcel of land and premises situate, lying and being in the
CITY OF NEWARK, COUNTY OF ESSEX and STATE OF NEW JERSEY being more
particularly described as follows: '
Being known and designated as Lot 151 and part ofLo' 152 a8 shown on a certain map
entitled "Map ofWeequabic Park Tract, Newark, NJ''t filed in the Office of the Essex
County Register OD August 11, 1911 as filed map no. 618.
Being more described as foUows:
Beginning at a point in the northeasterly line of Mapes Avenue distant 172.50 feet
southeasterly from its intersection with tbe southeasterly line of Mapes Place, and
running; tbence
1. North 39 degrees 24 minutes East 100.00 feet; thence
2. Soutb SO degrees 36 miuutes East 37.50 feet; theuce
3. South 39 degrees 24 minutes West 100.00 feet to a point in the northeasterly line of
Mapes Avenue; tbence
4. Along said line, North 50 degrees 36 minutes West 37.50 feet to the point or place of
BegJnniaig.
The above description being drawn in accordance with a survey made by Wm. DiMarzo
& SOD, IDe. dated' August 16, 2001.
. .
. Known and designated as Block 3642 Lot 6 on the.Official Tax Map of the Clll' OF
NEWARK, ESSEX COUNTY, NEW JERSEY
Commonly known as 37 MAPES AVENUE, NEWARK, NEW JERSEY 07112


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009923-08_000066
~ ~ B.FONTOURFr.
~ OF ESSEX COUNT"
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009923-08_000067
Office of the Sheriff
HERIF ARMANDO-B. FONTOURA, S F
UNDERSHERIFFS
Christen Culpepper
Jesus A. Padilla
Kevin J. Ryan
Dated:
Sheriff's Docket:
Court Docket #:
June 16,2009
F08012834
F992308
Re: COUNTRYWIDE HOME LOANS, INC.
50 Mar!<el Street
NEWARK NJ 07102
973R6214127
Fax 913-623-9599
Detail Statement to Attorney
Vs: PING ZUO; MRS. PING ZUO, HIS WIFE AND BREIDTA TABORN, TENANT
The following is a break-down of Sheriffs fees accrued on the property stated below.
37 MAPES A VB NEWARK NJ 07112
Buy Back on 03/1012009 for $100.00
Acknowledgment of Deed $ 2.00
Advertising Fee $ 20.00
Commission $ 50.00
Crier Fee $ 5.00
Deed Fee $ 75.00
Levy Fee $ 48.00
Mailing $ 3.00
Mileage $ 1.10
Newspaper $ 814.48
.
Posting Fee $ 20.00
Report of Sale $ 1.40
Return of Service $ 2.00
Statement of Execution $ 10.00
Balance Due $ 1,051.98
Deposits $ 1,500.00
REFUND DUE $ 448.02
CHIEF
John D. Dough
RECEIVED
JUN 222009
Su
Cz.'ECMI!J1i \.iUUAT
RKSOFF/Ce
F I LED
JUN 222009
SUPERIOR COURT
CLERK'S OFFICE
STERN, LA VlNTHAL, FRANKENBERG,NORGAARD
293 EISENHOWER PKWY

Annando B. Fontoura, Sheriff
SmTE 300 P.O. BOX 1660
LIVINGSTON NJ 07039
009923-08_000068
,..
IJO)ERSHERIFFS
'. . . -n Culpepper.
.


( "
Office of" the Sheriff
Ar:a:nando B. Fontoura, SHERIFF
Essex Coun1;y Veteran's Courthouse
50 West Market Street * NEWARK, NJ 07102
973-621-2695, Fax9!3-623-9599 'RECEIVED
WWw;essexsherifCOJP-
REPORT OF SALE
MAR 202009
SUPERIOR COURT
CLERK'S OFFICE
$UPERIQR COURT OF NEfW JERSEY Chancery DivisiQn ESSEX COUNTY
Docket Numbers: F992308 .
Sheriffs NUIIlber: 08012834-
Attorney of Record:
PlaintIff:
STERN, LAVINTHAL, FRANKENBERG,NORGAARD
293 EISENHOWER PKWY
SUITE 300 P.O. BOX 1660
LMNGSTON, NJ 07039
COUNTRYWIDE HOME LOANS, INC.
vs.
Defendants:
PING ZUO; MRS. PING ZUO, HIS WIFE AND BREHITA TABORN, TENANT
To the Clerk of the SUPERIOR COURT OF NEW JERSEY, Chancery Division:
CHIEF
John D. Dough
FlLED
MAR 2 0 2009
SUPEf\\OR COURT
OFF\CE.
I, Armando B. Fontoura, Sheriff of the County of Essex, do hereby respectfully report that I did on
3/10/2009 sell at Public Venue, at the Sheriffs Office, Newark, New Jersey, having first duly advertised
the same, the land and premises described in the Writ of Execution, issued to Ine in the above stated cause to
the highest bidder(s):
Purchaser:
Proper1;y Sold:
Bid AIIlount:
FEDERAL NATIONAL MORTGAGE ASSOCIATION
1835 MARKET STREET
SUITE 2300
PHILADELPHIA, PA 19103
37 MAPES AVE NEWARK, NJ 07112
$100.00 One Hundred Dollars and Zero Cents
It being the highest bidder therefore. Respectfully submitted this 10th day of March, 2009.
ArIIlando B. Fontoura, Sheriff
State of New Jersey, ss.
ESSEX COUNTY
Arxnando B. Fontoura, of full age, being duly sworn according to law, on his oath says, that the
Inortgaged premises Inentioned, referred to in the foregoing report, were duly sold for the highest and best price
the same would bring in cash at tiIne of sale.
SwOITl to and subscribed before me this 10th day of March, .2009 .
. ...... -
Mary D. Beasley'
PUblic
MY COMM .JERSl;Y
.
ArInando B. FontouraSheriff
State of New Jersey, ss
ESSEX COUNTY
009923-08_000069
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009923-08_000070
-- --- -
Office of the Sheriff
Arm.ando B. Fontoura, SHERIFF
Essex Coun1;y Veteran's Courthouse
50 West Market Street * NEWARK, NJ 07102
973-621-2695, Fax 973-623-9599
wwwessexsherilJ:.eqm
ONDERSHERlFFS
ChrisIcll Culpepper
Jesus Padilla
Kevin Ryan
CHIEF
John D. Dough
REPORT OF SALE
Dated: March 11, 2009
SUPERIOR COURT OF NEW JERSEY Chancery Division ESSEX COUNTY
Docket Numbers: 11992308
Sheriffs Number: 08012834
Attorney of Record:
Plaintiff:
STERN,LAVINTHAL,FRANKENBERG,NORGAARD
293 EISENHOWER PKWY
SUITE 300 P.O. BOX 1660
LIVINGSTON, NJ 07039
COUNTRYWIDE HOME LOANS, INC.
va.
Defendants:
PING ZUO; MRS. PING ZUO,HIS WIFE AND BREHITA TABORN, TENANT
To the Clerk of the SUPERIOR COURT OF NEW JERSEY, Chancery Division:
I, ArInando B. Fontoura, Sheriff of the County of Essex, do hereby respectfully report that I did on
3/10/2009 sell at Public Venue, at the Sheriffs Office, Newark, New Jersey, having first duly advertised
the same, the land and premises described in the Writ of Execution, issued to me in the above stated cause to
the highest bidder(s): .
Purchaser:
Property Sold:
Bid Amount:
FEDERAL NATIONAL MORTGAGE ASSOCIATION
1835 MARKET STREET
SUITE 2300
PIDLADELPHIA, PA 19103
37 MAPES AVE NEWARK, NJ 07112
$100.00 One Hundred Dollars and Zero Cents
It being the highest bidder therefore. Respectfully submitted this 10th day of March, 2009.
Armando B. Fontoura, Sheriff
State of New Jersey, ss.
ESSEX COUNTY
Armando B. Fontoura,of full age, being duly sworn according to law, on his oath says, that the
mortgaged premises mentioned, referred to in the foregoing report, were duly sold for the highest and best price
the sam.e Would bring in cash at tim.e of sale.
Sworn to and subscribed before me this 10th day of March, 2009 .
. -....... ----y ,.,
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Armando B. FontouraSheriff
State of New Jersc;,y, ss
ESSEX COUNTY
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009923-08_000071
J '$uptirior GrIlUri
DOCKET NO. F
qq;r3-tJf
CHANCERY DMSION
,
COSTSOF> PLAJNTIlIF- /
PLAINTIFF
VS.
DEFENDANT
ATTORNEY'S ALLOWANCE BY STATUTE
FILING FEES PAID to CLERK
COUNSEL FEE ALLOWED UNDER R.4:42-9
SBE1UFF'S FEES FOR SERVICE
sEARCH COSTS ALLOWED UNDER R.4:42-10
PRINTING COSTS FORPUBUCATION
COST OF FILING US PENDENS
MOTIONS
OTHER
TOTAL COSTS
DEFENDANT-
, 200
s 50.00
zoo.oo
-
$ E'

R M PE
Actll'9 Clerk of SR. I ESQ.
upenor Court
COURT
.1110-(111031
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009923-08_000072
\'
, ", . REg'D L\FltED
STERN, LAVINTHAL, FRANKENBER<I ' '\ - 1SS')'?) SUPERIOR COURT
& NORGAARD, LLC \\ lb OF NEW JEFtSEY
293 Eisenhower Parkway - Suite 300 "
L N J 07039
II.' .. ( 0 8
ivingston, ew ersey '. .....
(973) 740"0700 C\.-e. ,
Attorneys for Plaintiff l'iI _ f ('7") l.)j'(!t<"U
"1\ '\.'Io- \.r-. "t'
COUNTRYWIDE HOME LOANS, INC. JERSEY
Plaintiff,
VS.
CHANCERY DIVISION
ESSEX COUNTY
DOCKET NO.: F-9923-08
PING ZUO; MRS. PING ZUO, HIS WIFE and
BREHlTA TABORN, TENANT Crvn. ACTION
Defendant(s), CERTIFICATION OF MAILING
Angela Pierro, does hereby certify:
L I am employed by the finn of Stem, Lavinthal, Frankenberg & Norgaard, llC,
, attorneys for the Plaintiff in the above entitled action.
2. On March 20, 2008, this office did mail, via certified mail, return receipts
requested and via regular mail, a copy of Summons and Complaint in Foreclosure to PING ZUO
and MRS. PING ZUO, HIS WIFE at 193 BOSTON POST ROAD, WESTON, MA 02493. The Certified
Domestic Return Receipts for Article Numbers: 70070710000067934166 and 700707100000
67934159 were returned marked "unclaimed" and are attached hereto. The regular mail has not
been returned.
3. Als9 annexed hereto is a copy of the Summons which requires the defendants to
answer the Complaint in Foreclosure within,thirty-five (35) days after service.
4. 1 hereby certify that the foregoing statements made by me are true; I am aware
that if any of the foregoing statements made by me are wilfully false, I am subject to punishment.
Angela Pierro
Dated: ;May 2, 2008 .
009923-08_000073
.'
STERN, LA VINTHAL, FRANKENBERG & NORGAARD, LtC
293 Eisenhower Parkway Suite 300
PING ZUO
) 93 BOSTON RD.,
WESTON, MA 02193
Dear Sir or Madam:
Livingston, NJ 07039
(973)
(973)
March 20, 2008
Re: COUNTRYWIDE HOME LOANS, INC.
vs.PING ZUO, et als:
Docket No. F-9923-08
ill reference to the above entitled action, enclosed please find copies of the
Summons, Complaint in Foreclosure. Same is hereby served upon you in accordance with
the New Jersey Rules of Court.
Please be guided accordingly.
Very truly yours,
STERN, LAVfNTHAL, FRANKENBERG & NORGAARD. LLC

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1
1
009923-08_000074
,.-- -
STERN, LAVINTHAL, FRANKENBERG & NORGAARD, LLC
293 Eisenhower Parkway - Suite 300
MRS. PfNGZUO. HIS WIFE
193 BOSTON RD.,
WESTON. MA 02193
Livingston, NJ 07039
(973) 740-0700
(973) 535-3951
March 20, 2008
Re: COUNTRYWIDE HOME LOANS, INC.
vs.PING ZUO, et als.
Docket No. F-9923-08
Dear Sir or Madam:
In reference to the above entitled action, enclosed please find copies of the
Summons. Complaint in Foreclosure. Same is hereby served upon you in accordance with
the Ne\v Jersey Rules of Court.
Please be guided accordingly.
Very truly yours,
STERN, LAV[NTHAL, FRANKENBERG & NORGAARD, LLC

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009923-08_000075
STERN, LA VINTHAL, FRANKENBERG & NORGAARD, LLC
293 Eisenhower Parkway. Suite 300
Livingston, NJ 07039
(973) 7400700
200800803
AttorneYs for Plaintiff
COUNTRY'oVIDE I lOME LOANS, INC.
Plaintiff
Vs.
PING WO; MRS. PING ZUO, HIS WIFE and
UNKNOWN TENANTS/OCCUPANTS 15
Defendants
From The State of New Jersey
Name of the Defendant(s) to be served:
PING ZUO AND MRS. PING ZUO, HIS WIFE
Address of the Defendant(s) to be served:
193 BOSTON RD.
WESTON. MA 02193
8UJ>ERIOR COURT OF J!.leW JeRSeY
ESSEX COUNTY
CHANCERY DIVISION
Docket No: F992308
Civil Action
SUMMONS
The plaintiff, named above. has filed a lawsuit against you in the Superior Courl of New Jersey. The
complaint attached 10 thls summons states the basis for this lawsuit. If you dispute this complaint, you or your
attorney must file a written answer or motion and proof of service with the deputy clerk of the Superior Court in
the county listed above within 35 days from the date you received this summons, not cOWlting the date you
received'it. If the complaint is one in foreclosure. then you must file your written answer or motion and proof
of service with the Clerk of the Superior Court, Hughes Justice COmPlex. CN971 , Trenton, NJ 08625. A
$135.00 filing fee payable to the Clerk of the Superior Court and a completed Case Infonnarion Statement
(available from the deputy clerk of the Superior Court) must accompany YOUT.answer or motion when it is filed.
You must also send a copy of your answer or motion to plaintiff's attorney whose name and address appear
above, or to plaintiff, if no attomey is named above. A telephone call will not protect YOUT rights; you must file
and serve a written answer or motion (wiOt fee and completed Case lnfonnation Statement) if you want the
court to hear your defense. "
If you do not file and serve a written answer or motion within 35 days, the court may enter a judgment
against you for the relief plaintiff demands, plus interest and costs of suit. If judgment is entered against you,
the Sheriff may seize your money, wages or property to pay all or part of the judgment.
If you cannot afford an attorney, you may call the Legal Services office in the county where you live.
A list of these offices is provided. If you do not have an attorney and are not eligible for free legal assistance,
you may obtain a referral to an attorney by calling one of the Lawyer Referral Services. A list of these numbers
is also provided. .
/Snlleodore J. Fetter
Theodore J. Fetter
Acting Clerk of Superior Court
DATED: .
THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY
INFORMA nON OBT AlNED WILL BE USED FOR THAT PURPOSE
I ,. """ ,., I "" '" ,L,.' "-"1'''''' "r-'-" ........ """--'--"-
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L4wyer Referral ServIce Lawye, Refeml SCf'YIC: Lawyer RcfenaJ SCf'Ylce
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009923-08_000077
STERN, LA VINTHAL, & NORGAARD, LLC
293 Eisenhower Parkway - Suite 300
PINGZUO
193 BOSTON RD.,
WESTON, MA 02193
Dear Sir or Madam:
Livingston, NJ 07039
(973) 740-0700
(973) 535-3951
March 20, 2008
Re: COUNTRYWIDE HOME LOANS, INC.
vs.PJNG ZUO, et also
Docket No. F-9923-08
In reference to the above entitled action, enclosed please find copies of the
Summons, Complaint in Foreclosure. Same is hereby served upon you in accordance with
Ute New Jersey Rules of Court.
MY It
encI.
Please be guided accordingly.
Very truly yours,
STERN, LAVINTHAL, FRANKENBERG & NORGAARD, LLC

Michael Vardilli
Certified Mail # 7007 07) 0 0000 6793 4159
Cc: Regular Mail
... '."_H __ """'-'I""" "--1'-' _, I II "'I , I" .' ".,.. '''1' .... ' "o"r-' ................ ,"""----"'=
009923-08_000078
V t
STERN, LAVINTHAL, & NORGAARD, LLC
293 Eisenhower Parkway - Suite 300
Livingston, NJ 07039
(973) 740-0700
(973) 535-3951
March 20, 2008
MRS. PING ZUO, HIS WIFE
193 BOSTON RD.,
WESTON, MA 02193
Re: COUNTRYWIDE HOME LOANS, INC.
vs.PING ZUO, et also
Docket No. F-9923-08
Dear Sir or Madam:
In reference to the above entitled action, enclosed please find copies of the
Summons, Complaint in Foreclosure. Same is hereby served upon you in accordance with
the New Jersey Rules of Court.
MY It
encl.
Please be guided accordingly.
Very truly
STERN, LAVlNTHAL, FRANKENBERG & NORGAARD, LLC

Certified Mail # 7007 0710 0000 67934166
Cc: Regular Mail
009923-08_000079
,f I
STERN, LA VINTHAL, FRANKENBERG & LLC
293 Eisenhower Parkway. Suite 300
Livingston, NJ 07039
(973) 740-0700
200800803
Attorneys for Plaintiff
COUNTRYWIDE HOME LOANS, INC.
Plaintiff
Vs.
PIN"G ZOO; MRS. prnG ZOO, HIS WIFE and
UNKNOWN TENANTS/OCCUPANTS 15
Defendants
From The State of New Jersey
Name of the Defendant(s) to be served:
PIN"G ZOO AND MRS. PIN"G ZOO, HIS WlFE
Address of the Defendant( s) to be served:
193 BOSTON RD.
WESTON, MA 02193
SUPERIOR COURT OF NEW JERSEY
ESSEX COUNTY
CHANCERY DIVISION
Docket No: F992308
Civil Action
SUMMONS
The plaintiff, named above, has filed a lawsuit against you in the Superior Court of New Jersey. The
complaint attached to this summons states the basis for this lawsuit. If you dispute this complaint, you or your
attomey must file a written answer or motion and proof of service with the deputy clerk of the Superior Court in
the county listed above within 35 days from the date you received this summons, not counting the date you
received it. If the complaint is one in foreclosure. then you must file your written answer Of motion and proof
of service with the Clerk of the Superior Court. Hughes Justice Complex. CN971. Trenton. NJ 08625. A
$135.00 filing fee payable to the Clerk of the Superior Court and a completed Case Information Statement
(available from the deputy clerk of the Superior Court) must accompany your answer or motion when it is filed.
You must also send a copy of your answer or motion to plaintiffs attorney whose name and address appear
above, or to plaintiff, if no attomey is named above. A telephone call will not protect your rights; you must file
and serve a written answer or motion (with fee and completed Case Information Statement) if you want the
court to hear your defense.
If you do not file and serve a written answer or motion within 35 days, the court may enter a judgment
against you for the relief plaintiff demands, plus interest and costs of suit. If judgment is entered against you,
the Sheriff may seize your money, wages or property to pay all or part of the judgment.
If you cannot afford an attorney, you may call the Legal Services office in the county where you live.
A list of these offices is provided. If you do not have an attorney and are not eligible for free legal assistance,
you may obtain areferral to an attorney by calling one of the Lawyer Referral Services. A list of these numbers
is also provided.
DATED:
ISfflteodore J. Fetter
Theodore J. Fetter
Acting Clerk of Superior Court
THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE
009923-08_000080
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HUDSON COUNTY
CQIlNTV
Lawyer Referral
Hudson COUI'II)' Bar ASSOCIation
SomcrlCl Counl)' B at As I atrojn
(80) 3670089
Liwycr Referral ServIce
Lawyer Referral Service;
(201)798.2727
(908) 68 S 2 J2l
Le&II' Services of New Je!1cy. Inc
Hudson County Legal Services
Somcrscl.Sussex Lcgal Services
(90S) sn9100
(201) 7926263
(908) 2J I'{)S40
r\ TurlnC COUND'
CQUNTV
SUSSEX COUNTY
Atlantic Couoty Bar Association
County Bar Association
SUSSCJI Counry Bu AS50ciatJon
Lawyer Refcrnl Service
lawyer Refeml Service
Lawyer Referral Service
(609)J4SJ444
(908) 7152611
(913) 2675882
Cape_Alllllltic Lc:gal SQVices
Hunterdon CoWlry Legal Sc:rvices
Somerset.SuSSex LegaJ S CrvIC",
(609) J484200
(908) 1821919
(97)) 38)7400
BERGEN cotiNTV
MERCER COUNTY
UNION COUNTY
County Bit Association
Merccr County Bit Association
Union Counry Bar Association
Lawyer Rcferral Service
uwyu Referral Service
UWycr Referral ServICe
(20 J) 488-C044
(609) 535-6200
(908) )SJ-4115
Bergen CounlY Legal Services
Legal Aid SocietyMercer County
Union County Legal Services
(l01) m2166
(609) 69S06249
(908)l S 4 -4 )40

MIDDLESEX
WARREN C0t1NTY
Burlington Counry Bar Association
Middlcsc. County Bar Association
WfJTcn Counry Bar AsSOCIatIOn
La wyer Referra' Service
Lawyer Referral Service
Lawyc:r Rcfcnal Service
(609) l41.-4862
(7m 828-00Sl
(973)2675882
"Rel:ionoJ
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(609)261.1088
(m) 2491600
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Manmoulll Counry Bar ASsocialion
l..JJwycr Refer,,1 Service
Lawyer Refernl Service
(856) 964-4 no
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Ocean Monmoulll Counry
(856) 496)001
ServIces
( 1J2) 866 0020
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CArt MAY COUNTY
serves Burlington, Cumbcrlalltl
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COUNTY
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(609) 46l.{)l I l
Lawyer Referral ServIce,
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l.egal Aid Sociel)' ofMot1'is
(9731285-6911

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(609) 592-6207
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(609) 4SI-0003
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Essec County 8 ar Associ allon
PASSAIC COUNTY
Lawyer Referral Service:
Passaic County Bar AiSocialion
(97)) 622-6207
Lawyer Referral Service
Essc( Counry Legal Aid ASsoe
(91lj 2789Ul
(91J)6U151)
Passalc.County Legal Aid
(97)1345.1171

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GlouceslCI Counry Bar Assoclallon
SAl.EM COUNTY
Iqc:CA.V tA.
lawyer Referral Service
Salem CounlY Bar .'\slociatlon
(856) 8484589
Lawyer Referral Service
"RegionaIL:gal, ServIces'
(816) 618816)
(856) S41,$ )60
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009923-08_000081
I
STERN, LA VINTHAL, FRANKENBERG &
NORGAARD, LLC
Z93 Eisenhower Parkway - Suite 300
Livingston, New Jersey 07039
(973) 7400700
Attomeysfor Plaintiff
COUNTRYWIDE HOIvffi LOANS, INC.
Plaintiff
-v-
PING ZUO; MRS. PING WO, HIS WIFE and
BREIDTA TABORN, TENANT
Defendant(s)
SUPERIOR COURT OF NEW JERSEY
CHANCERYDMSION
Essex: COUNTY
DOCKET NO.: F-9923-08
CMLACTION
CERTIFICATION OF MAll..ING
Patricia Talbo, does hereby certify:
1. I am employed by the firm of Stern, Lavinthal, Frankenberg & Norgaard,
LLC, attorneys for the Plaintiff in the above entitled action.
2. On May 16, 2008, this office did mail by regular mail, a copy of the
filed default to the following:
PING ZUO
193 BOSTON ROAD
WESTON, MA 02193
MRS. PING ZUO
193 BOSTON ROAD
WESTON, MA 02193
BREHITA TABORN
37 MAPES AVENUE .
NEWARK, NJ 07112
3. I hereby certify that the foregoing statements made by me are true; I am
aware that if any of the foregoing statements made by me are willfully faIse, I am s
punishment
Dated: May 16, 2008
""!" .... , -. "r-''''' .. '' .... ,,''''''- -
009923-08_000082
..
~
/
. STERN, LAVINTHAL, FRANKENBERG & NORGAARD, LLC
293 Eisenhower Parkway - Suite 300
F\LEO NJ
SUPERlOR COURT Of
Livingston, NJ. 07039
(973) 740-0700
Attorneys for Plaintiff
200800803 . .
COUNTRYWIDE HOME LOANS, INC.
Plaintiff
-v-
PING ZUO; MRS. PING ZUO, HIS WIFE and
OCl 0 S 2008
: SUPERIOR COURT OF NEW JERSEY
: CHANCERY DIVISION
: ESSEX COUNTY
: DOCKET NO.: F-9923-08
BREHITA TABORN, TENANT Civil Action
.
Defendant(s) : CERTIFICATION AS TO PROOF OF
: MAILING OF NOTICE PURSUANT
: TO SECTION 6 OF THE FAIR .
: FORECLOSURE ACT
Lauren Niccoiolo, does hereby certify:
1. I am employed by the finn of Stern, Lavinthal, Frankenberg & Norgaard, LLC,
attorneys for the Plaintiff in the above entitled action. I have full knowledge of the matter and I am
authorized to make this Certification.
2. Default was entered by the Clerk of the Court as to all defendants who did not
appear In the within action on May 8, 2008.
3. On May 16, 2008, this firm did mail by certified mail, return receipt requested,
with required postage thereon, a Notice to Cure in accordance with Section 6 of the New Jersey
Fair Foreclosure Act, to the following parties at the addresses indicated:
PINGZUO
193 BOSTON ROAD
WESTON, MA 02193
AND
37 MAPES AVENUE
NEWARK, NJ, 07112
w
"" -.," , '"" , " I"' '" 'It -" -' .. r-... "'I-''-'' .... ,,''--.... ----'---'
009923-08_000083
4. More than ten (10) days have elapsed since the aforesaid defendant(s) were
mailed the Notice to Cure in accordance with Section 6 of the New Jersey Fair Foreclosure Act.
5. I hereby certify that the foregoing statements made by me are true; I am aware
that if any of the foregoing statements made by me are willfully false
t
I am subject to punishment.
q
II ,., I '" ,. ,e,"' II '0-1 -" '.f-,-..... -' .....
009923-08_000084
(A LIMITED LIABILITY COMPANY INCLUDING, A PROFESSIONAL CORPORATION)
COUNSELLORS AT LAw
293 EISENHOWER PARKWAY, SUITE 300 P.O. Box 1660 - LIVINGSTON, NJ 07039-1660
973-740-0700 - 973-535-3951 FAX
VIA CERTIFIED MAIL R.R.R. 70080150000168679808
PINGZUO
193 BOSTON ROAD
WESTON, MA 02193
Re: COUNTRYWIDE HOME LOANS, INC.
vs. PING ZUO, et al.
Docket F-9923-08
Dear Sir or Madam:
May 16,2008
The purpose of this letter is to advise you of your right to cure the detault(s) in cOlll1ection with the
mortgage loan which is subject to the above-referenced matter pursuant to Section 6 of the New Jersey Fair
Foreclosure Act Please be advised that you may obtain the amount required to cure the default by contacting
The Foreclosure Department; COUNTRYWIDE at 7l0S Corporate Drive, P'IX-B-346, PLANO, 'IX. Or
you may call them at between the hours of 9;00 and 5:00 EST.
ht order for you to exercise such right, you must do the following:
1. Prepare a written statement WHICH YOU CERTIFY TO BE TRUE IN GOOD FAITII that
there is a reasonable likelihood that you will be able to provide payttlent necessary to cure
the default within 45 days of the date oftbis letter;
2. Mail your written statement BY CERTIFIED MAIL OR REGISTERED MAIL, no later
than 10 days following your receipt ofthls letter to:
COUNTRYWIDE HOME LOANS, INC.
clo Stem, Lavinthal, Frankenberg & Norgaard, LLC
293 Eisenhower Parkway - Suite 300
Livingston, NJ, 07039
Attention; Fair Foreclosure Act Clerk
If we do not receive your written response in the malUler and time set forth above, proper proofs will
be submitted for entry of final judgment in the foreclosure action. Upon entry of final judgment, you shall
lose the right, provided pursuant to Section 5 of the Fair Foreclosure Act, to cure the default
Please be guided accordingly.
Very truly yours,
.. STERN, LA VINTHAL, FRANKENBERG & NORGAARD, LLC
Y. &cr.
JEANETTE F. FRANKENBERG, JFF:pt
T1fiS COMMUNICATION IS AN ATfEMPT TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
cc: REGULAR MAIL
009923-08_000085
.. 7
7'
...
. (A LIMITED LIABILITY COMPANY INCLUDING, A PROFBSSIONALCORPORATION)
COUNSELLORS AT LAW
293 EISENHOWER PARKWAY, SUlTE300 "P.O. BOX 1660':'" LIVINGSTON, NJ 07039-1660
.'. 973-740-0700-973-535-3951 FAX
VIA CERTIFIED MAll.. R.R.R. 70080150000168679815
PlNGZUO
37 MAPES AVENUE
NEWARK, NJ 07112
Re: COUNTRYWIDE HOME LOANS, INC .
VS. PING ZUO, et al.
Docket No.: F-9923-08
Dear Sir or Madam:
: May 2008
The purpose of this letter is to advise you of your right to cure the default(s) in connection with the
mortgage loan which is subject to the above-referenced matter pursuant to Section 6 of the New Jersey Fair
Foreclosure Act Please be advised that you may obtain the amount required to cure the default by contacting
The Foreclosure Department; COUNTRYWIDE at 7105 Corporate Drive, PTX-B-346, PLANO, TX. Or
you may call them at 1-800-262-4218; between the hours of 9:00 and 5:00 EST.
In order for you to exercise such right, you must do the following:

1. Prepare a written statement WIDca YOU CERTIFY TO BE TRUE IN GOOD FAITH that
there is a reasonable likelihood that you will be able to provide payment necessary to cure
the default within 4S days of the date of this letter;
2. Mail your writtenstatement l3Y CERTIFmD MAIL OR REGISTERED MAIL, no later
than 1 Q days following your receipt of this letter to:
COUNTRYWIDE HOME LOANS, INC.
c/o Stern, Lavinthal, Frankenberg & Norgaard, LLC
293 Eisenhower Parkway - Suite 300
Livingston, NJ, 07039
Attention: Fair Foreclosure Act Clerk
lfwe do not receive your written response in the manner and time set forth above, proper proofs will
be submitted for entry of final judgment in the foreclosure action. Upon entry of final judgment, you shall
lose the provided pursuant to Section 5 of the Fair Foreclosure Act, to cure the default.
Please be guided accordingly.
Very truly yours,
STERN, LA VlNTHAL, FRANKENBERG & NORGAARD, LLC
Y. e(.
JEANETTE F. FRANKENBERG, JFF:pt
THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FORTHAT PURPOSE.
cc: REGULAR MAIL
009923-08_000086
J
RECEIVED
STERN. LAVINTHAL, FRANKENBERG & NORGAARD. LLC
293 Eisenhower Parkway - Suite 300 Ff LED
Livingston, NJ 07039
MAR 102009
SUPERIOR COURT
CLERK'S OFFICE
(973) 740"0700
Attorneys for Plaintiff
200800803
COUNTRYWIDE HOME LOANS, INC.
Plaintiff
-v-
PING ZUO; MRS. PING ZUO, HIS WIFE
MAR 102009
COURT
CLERK'S OFFiCe
SUPERIOR COURT OF NEW JERSEY
. CHANCERY DIVISION
ESSEX COUNTY .
DOCKET NO. F-9923-08
and BREHITA TABORN, TENANT CM! Action
Oefendant(s)
I, James Dodd, hereby certify:
CERTIFICATION AS TO PROOF OF
MAILING OF NOTICE OF SALE
1. I am employed by the firm of Stem, Lavinthal, Frankenberg & Norgaard,
LLC, attorneys for the Plaintiff in the above entitled action.
2. On February 26. 2009, I did mail (which date is at least ten (10) days prior to
the date set for sale). by certified mail, return receipt requested,. with required postage
thereon, and by regular mail, a Notice of Sale of the real property and appurtenances
thereof as set forth more particularly in the Writ of Execution in the above entitled cause, to
the following. parties in possession of the mortgaged premises, parties or attorneys
"
representing parties who have appeared or filed a pleading in the above entitled action, or
who were the owners of record of the mortgaged premIses as of the date of the
commencement of this foreclosure action:
PINOZUO
193 BOSTON ROAD
WESTON, MA 02193
AND
. "
,",", " 'O-! _" -
009923-08_000087
37 MAPES AVENUE
NEWARK, NJ 07112
MRS. PING ZUO, HIS WIFE
193 BOSTON ROAD
WESTON, MA 02193
AND
37 MAPES AVENUE
NEWARK, NJ 07112
BREHITA TABORN, TENANT
37 MAPES AVENUE
NEWARK, NJ 07112
3. I hereby certify that the foregoing.statements made by me are true; I am
aware that if. any of the foregoing statements made by me are willfully false, I am subject to
punishment.
James Dodd v \
DATED: February 26, 2009
0. :
"
"
009923-08_000088
J
FilED
MAY 0 S 2008
STERN, LA VINTHAL, LLC
293 Eisenhower Parkway - Suite 300 CLERK'S
REC'D &. FILED
SUPERIOR COURT
OF NEW JERSEY
Livingston, NJ 07039
(973) 740-0700 f.jP;{ 0 8
Attorneys for Plaintiff ,,?J.'O
200800803 ?o9' .. f."l -"'\J..
i{\. G. .... \.r.
COURT
.. COUNTY
Plaintiff, CHANCERY DMSION
VS.
PING ZUO; MRS. PING ZUO, HIS WJFE
and BREIDTA TABORN, TENANT
Defendant(s),
TO: Clerk, Superior Court of New Jersey
Chancery Division: Foreclosure Unit
Richard J. Hughes Justice Complex
CN971
Trenton, New Jersey 08625
Docket No: F-9923-08
Civil Action
REQUEST TO ENTER DEFAULT
AND CERTIFICATION
You will please enter the default of the following defendants herein:
PING ZUO; MRS. PING ZUO, HIS WIFE and BREIllTA TABORN, TENANT
for failure to plead or otherwise defend as provided by.the Rules of Civil Practice of the Superior
Court.
DATED: May2, 2008
009923-08_000089
r'
CERTIFICATION
Jeanette F. Frankenberg does hereby certifY:
1. I am a member of the firm of Stern, Lavinthal. Frankenberg & Norgaard.
LLC, attorneys for plaintiff in the above entitled action, and am in charge of the prosecution
of said action.
2. The following defendants were served on the date set forth after their
names with a copy of Summons and Complaint;
PlN'GZUO-
MRS. PING ZUO, HIS WIFE-
BREIDTATABORN, TENANT-
Complaint Served on 03/20/08
Complaint Served on 03/20/08
Complaint Served on 03/20/08
as appears from the return of service of said Summons (and Acknowledgment(s) of Service,
if any) or as appears from the Certification of Publication andlor Certification of Mailing
filed in connection herewith; that the time within which the above named defendants may
answer or otherwise move as to the Complaint (and Amendment(s) to Complaint, if any) has
expired; that the above named defendants have not answered or otherwise moved, and that
the time for the above defendants to answer or otherwise move has not been extended.
3'. I hereby certify that the foregoing statements made by me are true; I am
aware that if any of the foregoing statements made by me are wilfully false, I am subject to
punishment.
DATED: May 2, 2008
, .'- I"' "."!""'" --".f-'-'=-.... ' - . . = - < - - - - ~ -
009923-08_000090
j
"
COUNTRYWIDE HOME LOANS,
INC,
vs,
PING ZUO, ET AL
Person to be served (Name & Address):
VNKNPWN TENANTS BREHITA
TABORN .
37 MAPES AVENUE
NEWARK, NJ 07112
Attorney:
Michael Vardilli, Esq.
Plaintiff
Defendant
Superior Court Court of New Jersey
Chancery Division
Essex County
Docket Number: F-9923-08
AFFIDAVIT OF SERVICE
(For Use by Private Service)
Cost of Service pursuant to R. 4:4-3(c)
$
------
Papers Served: Summons, Complaint in Foreclosure, Notice Required By The Fair Debt Collection, Certification,
Schedule A, and Lawyers Referral List
Service Data:
Served Successfully_X_ Not Served__ Date: 312012008 Time: 8:11 pm Attempts:
x
Delivered a copy to him I her personally
Left a copy with a competent household
member over 14 years of age residing
therein
Left a copy with a person authorized to
accept service, e.9. managing agent,
registered agent, etc.
Description of Person Accepting Service:
Name of Person Served and relationship I title:
BREHITA TABORN
TENANT -1ST FLOOR
Sex:.L- Age:lQ:!:... Weight:..!L. Skin Color:....;;B"",la;;..;c....;;k __ _ Hair Color: Black

Unserved:
( }.Defendant is unknown at the address furnished by the attorney
( ) All reasonable inquiries suggest defendant moved to an undetermined address
( ) No such street in municipality
( ) No response on: Date Time
Date Time
( ) Other: __ _____ _
Comments or Remarks: TENANT STATED LANDLORD LIVES IN MASSACHUSETIS.
Server Data:

SlAlt ." Ntw Imry
'\ , ., ,." ()Q..''i-2010
I, JACQUELINE TINNEY,was at the time of service
a competent adult not having a direct interest in the
litigation. I declare under penalty of perjury that the
for oing is true and correct.
,
TATUS, L.L.C.
1731 Route 22 West
Suite 707
Union, NJ 07083
(908) 245-6300
. Our Job Serial Number: 2008002301
Ref: 200800803
Date
009923-08_000091
r
~
' ..
STERN, LA VIN'rnAL, FRANKENBERG & NORGAARD, LLC
293 Eisenhower Parkway - Suite 300
Livingston, NJ 07039
(973) 740-0700
Attorneys for Plaintiff
200800803
COUNTRYWIDE HOME LOANS, INC.
Plaintiff
~ v -
: SUPERlOR COURT OF NEW JERSEY
: CHANCERY DIVISION
: ESSEX COUNTY
: DOCKET NO.: F-9923-08
PING ZUO; MRS. PING ZUO, HIS WIFE and
UNKNOWN TENANTS/OCCUPANTS 1-5 Civil Action
Defendant( s)
From The State of New Jersey
Name of the Defendant(s) to be served:
UNKNOWN TENANTS/OCCUPANTS 1-5
Address of the Defendant(s) to be served:
SUMMONS
37 MAPES AVENUE, NEWARK, NJ,07112
The plaintiff, named above, has filed a lawsuit against you in the Superior Court of New Jersey. The complaint
attached to this summons states the basis for this lawsuit. If you dispute this complaint, you or your attorney must file a
written answer or motion and proof of service with the deputy clerk of the Superior Court in the county listed above
within 35 days from the date you received this summons, not counting the date you received it. If the complaint is one in
foreclosure. then you must file your written answer or motion and proof of service with the Clerk of the Superior Court.
Hughes Justice Complex. CN-971. Trenton, NJ 08625. A $135.00 filing fee payable to the Clerk of the Superior Court
and a cOll1pleted Case Information Statement (available from the deputy clerk of the Superior Court) must accompany
your answer or motion when it is filed. You must also send a copy of your answer or motion to plaintiff's attorney whose
name and address appear above, or to plaintiff, if no attorney is named above. A telephone call will not protect your
rights; you must file and serve a written answer or motion (with fee and completed Case Information Statement) if you
want the court to hear your defense'
l
If you do not file and serve a written answer or motion within 35 days,the court may enter a judgment against
you for the relief plaintiff demands, plus interest and costs of suit. )f judgment is entered against you, the Sheriff may
seize your money, wages or property to pay all or part of the judgment.
If you cannot afford an attorney. you may call the Legal Services office in the county where you Jive. A list of
these offices is provided. If you do not have an attorney and are not eligible for free legal assistance, you may obtain a
refelTal to an attorney by calling one of the Lawyer Referral Services. A list of these numbers is also provided.
DATED: March 20, 2008
lsi Theodore J. Fetter
Theodore J. Fetter,
Acting Clerk of Superior Court
THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION
OBTAINED WILL BE USED FORTHA T PURPOSE
009923-08_000092
,.
y
,. . . '"
.. ASBlIJa0\ln
Lawy<r R(iur61 SCI'I'GC
(80) J610089
Legal Services of New ie"'Y. InC
(908) m9100
A TkAJ!T1 C COlJl'!D'
AUalllic Counl)' Bu A.lSoClallon
\..awy., RefUTal Scrv;cc
1609)34S)444
C9Pc_AUasobc Legal SelVlCCI
(609) 348-4200
B ERGWC9Ul'ffY
Bcreen Counry Bar A.slociallO
n
Lawy.r Refcrru SCI'I;CC
(20 I) .88-0044
B orgon Counry Legal
nO I) 4872166
8URLINGTON !:;QlJNTV
Burlillgton Counry au
lawyer Rcfeml Servlcc
(609) 261 -4862
Reg,onlll Scrv,ces
(609)261.'088
CAMDEN C9WIY
Casnden County Bu ASsoe llon
La wye. Refer",1 ServIce
(856)964-4110
ReCJonlll L.ega' SCIVICG.S
(U6)
MAY COwrrx
Cape May COUllI)' Bar ASsot,al,on
La wyet Rtleml ServIce
(609) 46].Q) I J
Capc.AU&II,ic L.cgal Se""ees
(609) 461JOOI
!::UM8ERLAND COUNTY
Cumberlarod County Bat Allot ,3"on
Lawy:r Refcrral SCI'I'c,
(609) .692-6201
Legsl Aid Society
(609) 451.000)
ESSEX COIJNTY
Counry Bu As.soellllon
Reltrn
l
Scn""
(97}) 622-6207
Es,c( CounlY Legal AI(J Nsoe
(97)) 6U1 51)
GLOVCSTER COUNTY

Glouc,s!es Counry Bar AsSDe.allo
n

Lawyer Rd:rn' Sc",.tc
. (816) 841.:4 589
RCB.onall:gal SCI'II"I
(S 16) 848\ )60
- , ......... __ ...... -.. ... ", ...... ,"'.,
HUDSON CQUNIY
SQMRSET !;OUNTY
Hudson COunrl Boll AIIOGal'\ln
SomCllCI CCunl'y .A.HCI:ljl",(.
L.wycl Relerral Serv.ec
Lawyer Referral Scl'I'cc
(l01) 79&-2121
(908)68HHJ
Hudson CounlY legal ServlCCS
Somcrsel'SuSSC. Leg
a
Sc"'",el
(lOI) 7926263
(908) ;U I .0840
tu.!t:!It;/tOOC!
SUSSEX COUNTY
Hunterdon Counry B81 A.ssoCI!110n
Suss,> Counl)' Bar AHOClaIJon
Lawy.r Rcfeenl Sel'l.c.
Lawy" Rercln) Sel'll'ce
(908) m2611
(91))267.>882
Hunlerdon Counry ServIn!
Sommel,Sullex 1..:gaJ Scrvlces
(908) 7827979
(91)) J8)7
4
(jQ
MERCER COUNTY
lJI'IlON COUNTY
Mcrccl Counry 611 AnoellllOn
UlIIon Counry Bar Alloe laClon
Lawycr Rc("nl SCl'lIce
LowyCl Referral S"",ce
1609} 58H200
(908) J SJ -4 1IS
Legal'" ill socicl)'.Mercel Counry .
Union Counry Legal S, n-.tCS
(609) 69S6149
(908))4-4J
4
O
MIDDLESEX <;OUNTY
WARREI'l
M,ddlc.sel COUIlIY Bu Assoc uon
Wanen CounlY 8ft1 ASIOe,allon
Lawyer Referral SCI'I'ee
Lawyel R,fcnal Se""ce
(7 m 828.o0S)
{91ll 267. I 882
M IddlesCl County 1..:&81 Se""C'1
Wl)t'I'en County Legal Se""c,s
(1)}) 2497600
(9 7)P'HOI0
MOI'lMQl,!TH COUNTY
MonmouU> COURIY Sas .... SSoc,."on
l..Iwyel Re(eml Serv,ce
(7 J 2 ) 4)1 5\4-4
Oee/lll. MOnmouih County l..eg
ol
Serv.ces
P)2) 36600'20
'(unden Regional Legal ServIces 'nc
!e .... :S Durlongtt'n. Cumbcrlano:l
I':1QMIS COUNIY
GlouCc.5I:J .\lId 5.'cm CounloeS
Moms Counry BII ASS()('.!lon
l..IWYCl Referul ServIce
(97J) 2675882
Legal A,d SOCICIY of Moms
(9 1Jl.28S-691'
OCEAN COUNTY
OCca/l Counry Bat ASloe.a.I.On
Lawycr Refcnal SCI'I,tc
(132) 240-)666
Ocuil.Monmoulh Legal S,"';cc.s
nm 341lTl7
PASSAIC COUNTY
Pa,s.sa.( Counry Bas AIIDe.allon
Lo"')'c' Refcrnl 5,,,,,(
(91J)Z189UJ
PUI4'c Counry Legal AId
(973) )4\-1171
SALM CQlJI'IrY
Solem Counry Dar Assoe.allan
UwyCI RcCcrral Scrv;ce
(816)6 18.816)
Reg.on,'L.gal $crv'''1
{lQ
r!So) 4\ 1000)
-'I ",,, ., _ ..... ''''',.-, l-'l'"
009923-08_000093
j
;;.- i
COUNTRYWIDE HOME LOANS,
INC.
vs.
PING ZUO, ET AL

t..l " Superior Court Court of New Jersey
\'1\ O\lt'\"'\'Chancery Division
C \q'E.E!sex County
Defendant Number: F-9923-08
Plaintiff
SUPERlun C9
UR1
Of NE'fJ OF SERVICE
TABORN . ...., ",
37 MAPES AVENUE t.,t\{ 0 S Use by Private Service)
NEWARK, NJ 07112
Attorney: .
Michael Van:tilli, Esq.
Papers Served: Summons, Complaint in Foreclosure, Notice Required By The Fair Debt Collection, Certification,
Schedule A. and Lawyers Referral List
Service Data:
Served Not Served__ pate: 3/20/2008 Time: 8:11 pm Attempts: __
x
Delivered a copy to him / her personally
Left a copy with a competent household
member over 14 years of age residing
therein
___ Left a copy with a person authorized to
accept service, e.g. managing agent,
registered agent, etc.
Description of Person Accepting Service:
Name of Person Served and relationship 1 title:
BREHITA TABORN
TENANT - 1 ST FLOOR
Sex:L- Age: 50+ Welght:jL Skin COlor: . ..,;;B;.,;;la;;;.;ck;.;,;....___ Hair ___ _
Unserved:
( ) Defendant is unknown at the address furnished by the attorney
( ) All reasonable inquiries suggest defendant moved to an undetermined address
( ) No such street in municipality
( ) No response on: Date Time
Date Time
( ) Other: ___ ===:::::_-_-_- _____ _
Comments or Remarks: TENANT STATED LANDLORD LIVES IN MASSACHUSETTS.
Server Data:
I, JACQUELINE TINNEY, was at the time of service
a competent adult not having a direct interest in the
litigation. I declare under penalty of perjury that the
for olng is true and correct.
,
TATUS, L.L.C.
1731 Route 22 West
Suite 707
Union, NJ 07083
(908) 2456300
Our Job Serial Number: 2008002301
Ref: 200800803
Date
009923-08_000094
STERN, LA VINTHAL, FRANKENBERG & NORGAARD, LLC
293 Eisenhower Parkway - Suite 300
. Livingstolh NJ 07039
(973) 74()"0700
Attorneys for Plaintiff
200800803
COUNTRYWIDE HOME LOANS, INC.
Plaintiff
"v"
: SUPERIOR COURT OF NEW JERSEY
: CHANCERY DMSION
: ESSEX COUNTY
: DOCKET NO.: F-9923-08
PING WO; MRS. PING ZUO, HIS WIFE and
UNKNOWN TENANTS/OCCUPANTS 1"5 Civil Action
Defendant(s)
From The State of New Jersey
Name of the Defendant(s) to be served:
UNKNOWN TENANTS/OCCUPANTS 1"5
Address of the Defendant(s) to be served:
SUMMONS
37 MAPES AVENUE, NEWARK, NJ,07112
The plaintiff, named above, bas filed a lawsuit against you in the Superior Court of New Jersey. The complaint
attached to this summons states the basis for this lawsuit. If you dispute this complaint, you or your attomey must file a
written answer or motion and proof of service with the deputy clerk of the Superior Court in the county listed above
within 35 days from the date you received this summons, not counting the date you received it. If the complaint is one in
foreclosure. then you must file your written answer or motion and proof of service with the Clerk of the Superior Court.
Hughes Jostice Complex. CN-971. Trenton. NJ 08625. A $135.00 filing fee payable to the Clerk of the Superior Court
and a completed Case Information Statement (available from the deputy clerk of the Superior Court) must accompany
your answer or motion when it is filed. You must also send a copy of your answer or motion to plaintift's attomey whose
name and address appear above, or to plaintiff, if no attorney is named above. A telephone call will not protect your
rights; you must file and serve a written answer or motion (with fee and completed Case Information Statement) if you
want the court to hear your defense. .
If you do not file and serve a written answer or motion within 35 days, the court may enter a judgment against
you for the relief plaintiff demands, plus interest and costs of suit If judgment is entered against you, the Sheriff may
seize your money, wages or property to pay all or part of the judgment.
If you cannot afford an attorney, you may call the Legal Services office in the county where you live. A list of
these offices is provided. If you do not have an attorney and are not eligible for free legal assistance, you may obtain a
referral to an attorney by calling one of the Lawyer Referral Services. A list of these numbers is also provided.
DATED: March 20,2008
lsi Theodore J. Fetter
Theodore J. Fetter,
Ac(ing Clerk of Superior Court
THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION
OBTAlNED WILL BE USED FOR THAT PURPOSE
009923-08_000095
New Jersey Bar Anociation
Lawyer Referral ServIce
(80) 361.0089
Legal Services of New Inc
(908) m9100
A TLMIT!C COVN!X
Atllllllic County Slit Association
Lawyer Referral Service
{609)J4S)444
Capc_Atlll/llic Lcgal Serviccs
(609) 3484200
8 ERGgl CQUNn'
Bergen County Su Association
lawyer Refcrnl Service
(2011488 -0044
Bergen Counry Legal Servicc.s
(201)4872166
BURLINGTON COUNTY
Burlington Counl)' Slit Association
Lawyer Referral Service
(609) 261.4862
Regions! Legal Services
(609)l61.I088
CAMDEN COUNTI'
Camden County Slit Association
Lawyer Referral Service
(8S6) 964-4S20
Legal Services
(856) 496;100 I
CAPE MA Y CO!1NTY
Cape May COUllry Bar Association
La wyer R cfem I Service
(609) .46J .031 3
CapoA11111\tie Legal Services
(609) 46HOOI
CUMBERLAND COUNTY
Cumberland Counl}' Bar Associalion
Lawyer Referral Sc:rviee
(609) 691-0207
Lcgal Aid Society
(609)451-0003
ESSEX COUNTY
Essec CountY Bar Associalion
Lawyer Referral Service
(9 7J)
Essc( County Legal Aid A.suSc.
(91l) 6!.2151) .
GLOUCESTER COUNTY
GlouceSler County ear Association
L.awy:r Referral Service
(856)8484589
Reg10nal L:gal ServIceS
(856) 84Sq60
HUDSON COUNTY
Hudson CoullIY Bar ASSoclil10n
ServIce
(2011798.2/2 7
Hudson County Legal Servicel
. (201) 792 6263
"!!NTERDOI'! COlM!)'
Hunlerdon County Slit Associalion
Lawyer Referral Service
(90S) 73S2611
Hunlerdon CountY Legal Services
(908) 7B2. 7979
MERCER COUNTY
NII:rcer County Bar Associalion
Lawyer Referral Service
(609) 585-6200
Legal Aid SocieryMercer County
(609) 6956249
MIDDLESEX COwrv
Middlesex County Bar Association
Lawyer Referral Service
1J2) 8'ZS-OOSl
Middlesex CounlY Legal ServIces
(7l21l49.7600
MQNMOUTH COUNTY
MonmOulll Couney Bar .... ssoci.hon
Lawyer Refcml Service
(7)2) 4 JI 554.4
Ocean. Monmouth Counl)' Legal
Services
(1ll18660020
MORRIS COUNTY
Moms CounlY B lit Anocialion
Lawyer Refalnl ServIce
(973) 267S882
Legal Aid Socic:ty of Morrts
(973)28S .0911
gCEAN COUNTY
Ocean CountY 8as AsSOCIatiOn
Lawyer Referral Service
(7J2)240}666
OceanMonmouth l.egal Services
n l2) )412 T27
PASSAIC COUNTY
f'as.saic County Bar Alsociallon
Lawyer RcfernlScrvlec
(9 III Z18-9Ul
Passaic CountY Legal Aid
(91)) J4S1I71
COUNTY
Salem CountY Bar Assoclallon
Lawyer Referral Service
(8S6) 678BJ6)
J!.eglon31 Legel Servlccs
(856) 45!,o00)
"" ,. '-f ..
COUNTY
Somerl" COUIlIY Bar ASSOClallon
Lawyer Referral Service
(9081 68S2)23
Legal Servl ccs
(908) 2J I -OS40
SUSSEX COUNTY
Sussex Counl)' Bar Association
Lawyer Referral Service
(9m Z67S882
\..egal Services
(97J) 38)7400
UNION COUNTY
Union County Bal AssocialiQn
Lawyer Referral Service
(908) JS)-47IS
Union CountY Legal Serv ices
(90S) )54-4340
WARREN C011Nn:'
Warren Counry 88/ Association
Lawyer Referral Service
(91) 2675882
Warren Coumy Legal Services
C97J147SZOI0
'Cdtllden RegIonal Legal ServIces. loco
Burlington, Cumberland.
Gloucesler JOd Salem Counlics
009923-08_000096
j
REC'O 8. FILED
SUPERIOR OOUliT
OF NEW JERSEY
STERN, LA VINTHAL, FRANKENBERG & NORGAARD, LLC
293 Eisenhower Parkway - Suite 300 0 S
Livingston, New Jersey 07039
(973) 740-0700
Attorneys forPlaintiff
COuNTRYWIDE HOME LOANS, INC.
Plaintiff,
VS.
PING WO; MRS. PING ZUO, HIS WIFE and
BREIDTA TABORN, TENANT
Defendant(s),
DOCKET NO.: F-9923-08
CIVlL ACTION
CERTIFICATION OF INQDm.Y
I, Jeanette F. Frankenberg, does hereby certify:
1. I am a member of the finn of Stem, LavinthaI, Frankenberg & Norgaard, lLC.,
attorneys for the Plaintiff in the above entitled action, and have full charge thereof.
2. Inquiry has been made with respect to the present whereabouts of the defendants,
PING ZUO and MRS. PING ZUO, HIS WIFE, in order to serve them in the above foreclosure action.
3. I have been advised by Jacqueline Tinney, a private process server, that she has
been unable to personally serve a copy of the Summons and Complaint upon the defendants, PING
ZUO and MRS. PING ZUO, HIS WIFE, at the mortgaged premises commonly known as 37 MAPES
AVENUE, NEWARK, NJ 07112, as the premises is tenant occupied. The tenant advised that the
defendants currently reside in Massachusetts, but was unable to provide a forwarding address.
4.. A Skip Tracing Investigation was conducted. The Investigator perfonned a
Social Security NumberSearch, a DirectoryAssistance Search, a Forwarding Address Request
and Division of Motor Vehicle Search for the defendant, PING ZUO, all of which revealed the
address of 193 BOSTON POST ROAD, WESTON, MA 02493. Directory Assistance advised that
. there is a telephone number listed to "PING ZUO" at this address. On each occasion that this
office tried to contact the defendants, there was never any answer.
'" 1 _""., '-I'''' -, I ,. "" , .. ,,' , . ,
009923-08_000097
5. Inquiry has also been made with the United States Postal authorities as to the
address of 193 BOSTON POST ROAD, WESTON, MA 02493, for the defendant, PING WO. The
postal search was returned marked "good as addressed" and is attached hereto.
6.,' Pursuant to the Rules of the Superior Court of New Jersey with respect to
service, this office did mail on March 20, 2008, by regular and certified mail, return
receipt requested, envelopes containing a copy of the Summons and Complaint to the defendants,
PING ZUO and Iv.IRS. PING ZUO, HIS WIFE at 193 BOSTON POST ROAD, WESTON, MA 02493.
7. I hereby certify that the foregoing statements made by me are true; I am aware
false, I am subject to punishment.
Dated: May 2, 2008
009923-08_000098
STERN,
LLC
(A LIMITED LIABILITY COMPANY INCLUDING, A PROFESSIONAL CORPORATION)
COUNSELLORS AT LAW
293 EISENHOWER PARKWAY, SUITE 300 - P.O. Box 1660- LIVINGSTON, NJ 07039-1660
973-740-0700 - 973-535-3951 FAX
POSTMASTER OF WESTON
WESTON. MA 02193
('lIy. Slate. ZIP Code
March 20, 2008
Requesl/or Change 0/ Address or Boxllo/der
in/onnalion Needed/or Service 0/ Legal Process
Please /umish lire new address 0/ rile name and slreet address (if a boxholder) lor rhe/allowing:
Name: PING ZUO
Address: 193 BOSTON RD" WESTON. MA 02123
NOTE: The name and last known address are required for change of address information. The Name, if known. and pOSt office box
address are required for boxholder information.
The following information is provided in accordance with 39 CFR 26S.6(d)(6)(ii). There is no iee for providing boxholder information.
The fee for proVldinB change of address information is waived in accordance with 39 eFR 26S.6(d)(l) and (2) and corresponding
Administrative Suppon Manual 352.44a and b.
1. Capacity of requester (e.g., process server, attorney. party representing himself): ATTORNEYS FOR PLAINTIFF
2. Slatuc or regulation that empowers me to serve process (not required when requl:Ster is an attorney or a pany acting pro se - except a
corporation acting pro se must cite statue): NOT APPLICABLE
3 The names of all known panies to the litigation: COUNTRYWIDE HOME LOANS. INC. vs. PING ZlIO, et aJ.
4. The court m ;whIch the case has been or will be heard: SupERIOR CQURT OF NEW JERSEY: CHANCERY DIVISION
S. The docket of other identifying number if one has been issued: F-99Z3-08
6. The capacity in which this individual is to be served (e.g. defendant or witness): DEFENQANI
WARNING
The submission oj /alse in/ormation 10 obtain alld use cllange qJ address in/ormal;O" or fJqxholder In/ormalion lor any purpose other
lhtm rlie $ervice vJlegal process in connection w;11I actual or prospective Iillgadon could resullin criminal pella/lies including ajine 0/
up 10 $JO,OOO or ;mprisollmenl or (2) 10 avoid pilymem o/Ihe lee Jor change oj address In/ormation or not more than 5 years. or both
(Tile 18.o.S.C. Section 1001).
bove in/omla/ion is Ime and thai rhe address {,,(onnalion is needed and will be used sole{v lor service a/legal pror.e.f< in
clual or prospecliJv! liligation.
Printed Name
STERN, LAVINTHAL, FRANKENBERG & NORGAARD, LLC
, 293 EIsenhower Parkway - Suite 300
LIvingston, New Jersey 07039
IF A )'.0. ,BOX PLEASE SUPPLY STREET ADDRESS.
BOXHOLDER'S POSTMARK
_ NOI known at address given.
_ Moved, leflno forwarding address.
_ No such address
FOR POST OFFICE USE ONLY
_ No change of address order on file
NAME and STREET ADDRESS
PQ
, 'I-!. -" . "t--,_.-- -.
009923-08_000099
STERN, LAVINTIIAL, FRANKENBERG & NORGAARD, LLC NS
293 Eisenhower Parkway - Suite 300 EO INlHE
Livingston, New Jersey 07039 INTHt: S't(PE ,(OR CrOU t
(973) 740-0700 OFRCE (/
200800803 1)
Attorneys for Plaintiff .. .
Countrywide Home Loans, Inc,
Plaintiff(s)
VS.
PING ZUO, et aI.,
Defendant(s ),
THE STATE OF NEW JERSEY
TO THE SHERIFF OF THE COUNTY OF Essex
GREETING:
SUPERIOR COURT OF NEW JERSEY
ESSEX COUNTY
. CHANCERY DMSION
Docket No: F-9923-08
Civil Action
WRIT OF POSSESSION
WHEREAS, on October 9, 2008 by a certain judgment of the Superior Court of
New Jersey, Chancery Division, Essex County, in a cause therein wherein Countrywide
Home Loans, Inc, is Plaintiff, and PING ZUO, et aI., is/are the Defendant(s), it was ordered and
adjudged that the Plaintiff recover the possession of the lands and premises, with the appurtenances
described in its Complaint (and Amendment to Complaint, if any)" from the following
Defendant(s ):
PING ZUO, and any and all family members
009923-08_000100
which premises are more particularly set forth on the Rider annexed hereto and made a
part hereof the possession of which said land and premises the said defendants have hitherto
unlawfully deprived the said plaintiff, as appears to us of record .. _
THEREFORE, you are hereby commanded, that, without delay, you cause the
said plaintiff to have the possession of the said land and premises with the appurtenances
thereunto belonging and appertaining; and make known to the said Superior Court of New
Jersey aforesaid at Trenton, within three (3) months next the manner in which you shall have
executed this writ, and have you then and there this writ.
the Honorable Maria Marinari S
Superior Court at Trenton aforesaid, this & day of
P.J Ch. P.l, Ch., Judge of the
2009.
Acting Clerk of Superior Court
STERN, LAVINTHAL, FRANKENBERG & NORGAARD, LLC
Attorneys for PI . ti
BY:

" -I,'" , ,<" "'t .. " ... ".r--,-'''''--.. ,,-=---5-.-
009923-08_000101
STERN, LA VINTHAL, FRANKENBERG,
& NORGAARD, LLC
293 Eisenhower Parkway - Suite 300
Livingston, New Jersey 07039
(973) 740-0700
Attorneys for Plaintiff
Countrywide Home Loans, Inc,
Plaintiff (s),
vs.
PING ZUO, et al.,
Defendant (s),
SUPERIOR COURT OF NEW JERSEY
ESSEX COUNTY
CHANCERY DIVISION
Civil Action
CERTIFICATION TO WRIT OF POSSESSION
I, Fei F. Lam, Esq., offull age, hereby certify as follows:
1. I am an attorney at law of the State of New Jersey and a member of the law
:firm of Stern, Lavinthal, Frankenberg & Norgaard, LLC, attorneys for plaintiff in the above
referenced matter ..
2. Pursuant to a Final Judgment entered in this matter on OctQber 9, 2008, it
.' . ','
was ordered.an adjudged that the plaintiff or recover possession of the land and
. . ' .
premises described in the Complaint from the following defendants:
PING ZUO, and any occupants of the premises referred to in the Complaint (or any
Amendments) by through their personal relationship and not a landlord/te:n.ant relationship'
,vith former owner(s)/mortgagor(s).
3. Saiddefendant(s) or entities named above are not protected by the New
Jersey Anti-Eviction. Statute (NJ.S.A. 2A: 18-61.1 et seq.)
... "'''' ... -, I II ",' ' . , ''''
009923-08_000102
4. Said defendant(s) or entities named above are not "protected" tenants
because said defendants are the owners and/or Mortgagors and are not tenants and, as such,
are not protected by the provisions of the aforesaid Statute .
. 5. .. Plaintiff .. waS the sUccessful bidder at a Sheri.ff s: sale held on'the 10th day
of March, 2009.
6. The within Certification is made to induce the 'Foreclosure Unit of the Clerk
oftheSuperiorCourt of New Jersey to issue a Writ of Possession in the above captioned
matter.
7. I hereby certify that the foregoing statements made by me are true. I am
aware that if any of the aforesaid statements made by me are willfully false, I am subject to
punishment.
Stern, Lavinthal, Frankenberg, & Norgaard, LLC
Attorneys for PI' .
Dated: June 1,2009
I ,. "" -,., ".,
009923-08_000103
....
,
,
SCHEriJlE "A"
'I
1
ALL THAT CERTAIN tract or parcetlor land and premises situate, lying and being in the
crTY OF NEWARK, COUNTY OF E$SEX and STATE OF NEW JERSEY, being more
particularry described as follows: ;1
:1 . .
'I
Being knoWD and designsted as Lo*i 51 and part of Lot 151 as shown on a certain map
eDtitied "Map ofWeequabic Park : ef, Newark, NJ", filed in the Office of tbe Essex
County Register on August 11, 191 a8 tiled map no. 618.
Being more p:articularly described foUows:
Beginning at a point in tbe nortbeaJerlY line of Mapes Avenue distant 172.50 feet
southeasterly from its intersection the southeasterly line of Mapes Place, and
running; tbence 1!
;\
"
1. North 39 degrees 24 minutes EudllOO.OO feet; thence
:1
2. South 50 degrees 36 minutes feet; tbence
I
.,
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3. Soutb 39 degrees 24 minutes )00.00 feet to a point in tbe northeasterly line of
Mapes Ave.J)ue; thence :, .
J
. i
4. Along said line, Nortb SO degrees1i36 miuutes 37.50 feet to the poiDt 0, place of
BeIDnDiog. ;1. , '
The'above description being draWD r:' accordance witb a byWm.DiMarzo
& Son, Ine. dated' 001. .' . . .'
: " " . '.' . ,"
. :";'
,
,
J .
:" .: ; .:/. '.. ". .' " . j. . .... ,
known and deSignated .as .. Block$642 Lol 6. on the. Official Tax Map' of the CITY OF
NEWARK, ESSEX COUNTY NEW JERSEY' . ,
known as MAPES1vENVE. NEW JERSEY 07112
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009923-08_000104
F I LED
STERN, LAVlNTHAL, FRANKENBERG & NORGAARD,LLC
293 Eisenhower Parkway M Suite 300
OCT 022009
SUPERIOR COURT
CLERK'S OFFfCE
Livingston, New Jersey 07039
(973) 740M0700
200800803
Attorneys for Plaintiff
Countrywide Home Loans, Inc,
Plaintiff( s) . .
vs.
PING ZUO, et aI.,
Defendant(s ),
THE STATE OF NEW JERSEY
. . . . .
TO THE SHERIFF OF COUNTY OF Essex
GRE'ETING:
ENlCREOINTHE OF
,ssuet58Eln . 7
'1'7'1 -
",' .. ,' .' " ".' '.
SUPERIOR COURT OF NEW JERSEY
ESSEX COUNTY
CHANCERY DIVISION
Docket No: F
M
9923
M
08
Civil Action
WRIT OF POSSESSION
WHEREAS, on October 9, 2008 by a certain judgment of the Superior Court of .
New Jersey, Chancery Division, Essex County, in a cause therein pending, wherein Countrywide
Home Loans, Inc, is Phlintiff, and PING ZUO, et al., is/are the it was ordered and
adjudged that the Plaintiff recover the possession of the lands and premises,with the appurtenances
described ill' its Complaint (and Amendment to Complaint,. if anY) from following
Defendant( s):
. : PING ZUO, and any and all family members
, : ..... -
.; . '" ..
009923-08_000105
which premises are more particularly set .forth on the Rider annexed hereto and made a
part hereof the possession of which said land and premises the said defendants have hitherto
unlawfully deprived the said plaintiff, as appears to us of record.
. ','
THEREFORE, you are hereby commanded, that, without delay, you cause the
said plaintiff to have the possession of the said lanci' ancipremises with the appurtenances .
thereWlto belonging and appertaining; and make known to the said Superiorc.0tirtof NevY' .
,.
(;erse
y
aforesaid at Trenton, witbin three (3) months next the manner in
executed this writ, and have you then and there this writ. .... .
WITNESS, the Ch. PJ., Ch., Judge of the
R I 34-6 OFFIe I RECLOSURE
Superior Court at Trenton aforesaid, this a-day of 9
lA
Q (2c .2009.

STERN, LAVINTHAL, FRANKENBERG & NORGAARD, LLC
:Attol'D:eys for PI . ti
I '.
" , , ", '" '''!' , .. ,' . ".r- ....,_ ......... " .... g.-.--
009923-08_000106
.... .
STERN, LA VINTHAL, FRANKENBERG,
& NORGAARD, LLC
293 Eisenhower Parkway - Suite 300
Livingston, New Jersey 07039
(973) 740-0700
Attorneys for Plaintiff
Countrywide Home Loans, Inc,
Plaintiff (5),
vs.
PING ZUO, et al.,
Defendant (s),
SUPERIOR COURT OF NEW JERSEY
ESSEX COUNTY
CHANCERY DIVISION
Docket No: F-9923-08
Civil Action
CERTIFICATIONTO WRIT OF POSSESSION
I, Fei F. Lam, Esq., offu11 age, hereby certify as follows:
" .
. .... lam at} attorney at law of the State of New Jersey and a member of the law
film of Stern, Lavintha.l, Frankenberg & Norgaard, LLC, attorneys for plaintiff in the above
referenced matter.
2. Pursuant to a Final Judgment entered in this matter on October 9, 2008, it
was ordere:dan adjudged that the plaintiff or purchaser recover possession of the land and
premises described in the Complaint from the follo\Ving defendants:
P}N'G ZUO, and any occupants of the premises referreel to in the Complaint (or any
Amendments) ,PY. thrqugh their personal relationship and not a landlord/tenant
with former o\.vnei(s)/mortgagor(s).
3. . .Said defe1;ldan!(s) or entities above are not protected by the New
Jersey 2A: 18:-61.1 et seq.)
',' 009923-08_000107
4. Said defendant(s) or entities named above are not "protected" tenants
said defendants are 'the owners and/or Mortgagors and as such,
arenof'protected by Ihe provisions of the 'aforesaid Statute.
, 5;' "Plaintiff, was ,the successful bidder at a Sheriffs sale held on the 10th day
of March, 2009.' "
6. "TheWithin Certification is made to induce the Foreclosure Unit of the Clerk
of the Superior Court of New Jersey to issue a Writ of Possession in the above captioned
matter.
7. I hereby certify that the foregoing statements made by me are true. I am
aware that if any of the aforesaid statements made by me are willfully false, I am subject to
punishment.
" " Stem, Lavinthal, Frankenberg, & Norgaard, LLC
Attorneys for PI . f
Dated: June 1,2009,
. . . "
.. , I ,. "" ,."'., "" .. , , .,"< I ,,- '''t ""'" .,'j...,_, ... _.; .., ..... --'. '-'.-
009923-08_000108
t
1
SCHEtijuLE "A"
il '
i
. . .. ALL THAT CERTAIN Iracl or parcJolland and premises .Ruale. lying and being in Ihe
CITY OF NEWARK, COUNTY OF and STATE OF NEW JERSEY, being more
particularly described as follows: :1
, I
:.. .. "
t< ,1' Being-knog'and designated as and part of Lot lSZ as shown on a certain map
entitled "Map ofWeequabic Park 'Ji!ract, Newark, NJ", filed iD the Office oftbe Essex
County Register on August 11, filed map DO. 618.
Being particularly described follows:
Beginning at a point in the northeaJerlY line of Mapes Avenue distsDC 172.50 feet
soutbeasterly from its intersection the southeasterly line of Mapes Place, and
rUl;JuioC; tbence )1
, :1
'I
t. North 39 degrees 24 miDutes EadrlOO.OO leet; thence
:j
2. Soutb 50 degrees 36 minutes Ead137.50 recti thence
'I
:1
3. Soutb 39 degrees 24 minutes Wes_l00.00 feet to a point in tbe Dortheasterly line of
Mapes Avenue; thence :!
, ' I
"I , ' " , , ,
4. Along said 'line, North 50 degree8
1
36 mioutes West 37.50 feet to tbe point 'or place of
il '
The above de.1icription being d'rawD r' witba survey made by Wm, DiMano
&80D, . ,""
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'R,nown and designated as Block3fi42 Lot 6 pn the Official T a,x Map .. of the Griy OF
NEWARK, ESSEX COUNTY, " '.", ,", , ' , ','
, known as 37 MAPES 4VENUE, NEWARK, NEW JERSEY 07112
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009923-08_000109
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