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  • Ralph Galvan vs Specialized Loan Services, LLC16 Unlimited - Fraud document preview
  • Ralph Galvan vs Specialized Loan Services, LLC16 Unlimited - Fraud document preview
  • Ralph Galvan vs Specialized Loan Services, LLC16 Unlimited - Fraud document preview
  • Ralph Galvan vs Specialized Loan Services, LLC16 Unlimited - Fraud document preview
  • Ralph Galvan vs Specialized Loan Services, LLC16 Unlimited - Fraud document preview
  • Ralph Galvan vs Specialized Loan Services, LLC16 Unlimited - Fraud document preview
  • Ralph Galvan vs Specialized Loan Services, LLC16 Unlimited - Fraud document preview
  • Ralph Galvan vs Specialized Loan Services, LLC16 Unlimited - Fraud document preview
						
                                

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RALPH GALVAN (PRO PER) FILED MIRNA GALVA (PRO-PER) OCT 24 2019 2020 10™ STREET SUPERIO IR COURT OF CALIFORNIA SANGER CA 93657-2957 ?OUNTY OF FRESNO By, (—____—_________ DEPUTY 559 288 2600 ONLYMIRNA@YAHOO.COM SUPERIOR COURT OF CALIFORNIA. FRESNO COUNTY RALPH GALVAN, Case No.: Number 49 CECG 038 614 MIRNA GALVAN 10 Plaintiff, EXTORTION: ILLEGAL FORECLOSURE ACTION, AND FRAUD. I VS. 12 SPECIALIZED LOAN SERVICES, LLC, A 13 COLORADO CORPORATION, AND DOES 1 THROUGH 5, INCLUSIVE 14 Defendant 15 16 WE, RALPH GALVAN AND MIRNA GALVAN, HUSBAND AND WIFE, SWEAR UNDER 17 PENALTY OF PERJURY THE FOLLOWING STATEMENTS ARE TRUE. 18 19 20 WE ARE LEGALLY MARRIED. WE OWN OUR HOME LOCATED AT 2020 10TH 21 STREET, SANGER CA. 93657-2957. 22 WE ARE BOTH SENIOR CITIZENS. ON OR AROUND OCTOBER 2009, WE DECIDED 23 DUE TO OUR FINANCIAL CONDITION TO REQUEST A LOAN MODIFICATION ON 24 OUR HIGH INTEREST RATE LOAN ON OUR HOME IN SANGER CALIFORNIA. 25 26 OUR LENDER AGREED UNDER ITS U.S. CHARTER TO GRANT US WITH A LOAN 27 MODIFICATION. 28 EXTORTION: ILLEGAL FORECLOSURE ACTION, AND FRAUD. - | Mus THE DOCUMENTS ATTACHED HEREIN AS EXHIBIT A TO THIS DECLARATION. FROM THE DATE OF OUR LOAN MODIFICATION, A NEW FIRST LOAN WAS CREATED, AND RECORDED IN AS OUR FIRST MORTGAGE, (EXHIBIT A) WE ENTERED INTO THIS AGREEMENT WITH THE UNDERSTANDING THIS WOULD BE A SENIOR MORTGAGE, ALL OTHER LIENS HAVE TO BE PAID IN FULL, AND/OR SUBORDINATED TO THIS NEW SENIOR MORTGAGE. THE TITLE INSURANCE 10 WOULD INSURE OUR FINANCIAL PROTECTION AGAINST US. YW 12 ATTACHED HERWITH ARE THE CLOSING DOCUMENTS FROM OUR LOAN 13 MODIFICATION HEREINAFTER EXHIBIT A 14 EXHIBIT A IS PROOF THAT THERE WERE NO JUNIOR LIENS RECORDED AFTER 15 THE LOAN MODIFICATION AGAINST OUR PROPERTY WAS DONE SINCE THE 16 MODIFICATION DOCUMENTS SIGNED AND NOTARIZED BY US ON DEC 26, 2010. 17 18 (PLEASE SEE ATTACHED DOCUMENT TITLED MODIFICATION AGREEMENT. 19 ORDERED BY GMAC MORTGAGE LLC. AND RECORDED BY MORTGAGE 20 ELECTRONIC SERVICES, INC. A DELAWARE, USA CORPORATION. (AKA “MERS”) 21 22 WE HAVE HAD NO RELATIONSHIP WITH SPECIALIZED LOAN SERVICES LLC 23 24 WHOSE ADDRESS IS A PO BOX 636005, LITTLETON, CO 80163-6005. 25 WE HAVE INCLUDED A LIST OF THEIR ENTIRE NETWORK IN THE USA OPERATING 26 UNDER THE SPECIALIZED LOAN SERVICING LLC, NMLS LICENSE IN THE USA. 27 (HEREINAFTER EXHIBIT B). EXNIBIT B INCLUDES NAMES, ADDRESSES AND 28 EXTORTION: ILLEGAL FORECLOSURE ACTION, AND FRAUD. - 2 Qos PROFEESSIONAL LICENSES OF SPECIALIZED LOAN SERVICES, WHO ARE PERPETUATING THIS ASSAULT ON AMERICAN HOME OWNERS, (PLEASE SEE ATTACHED LIST FROM THE WORLD WIDE WEB OF ALL THE COMPLAINTS LODGED AGAINST THIS COMPANY) ON FURTHER RESEARCH, WE FOUND THAT THERE ARE HUNDRED OF THOUSANDS OF COMPLAINTS AGAINST THIS ORGANIZATION FOR THEIR SHADY ‘FINANCIAL COLLECTION' PRACTICES AND THE CALL FOR SEVERAL CLASS ACTION LAW SUITS AGAINS THEM. 10 11 122 THE ACTIONS OF SLS LLC, HAS CAUSED BOTH RALPH AND MIRNA GALVAN 13 AGING SENIORS SEVERE ANXIETY ISSUES, PAIN AND SUFFERING. 14 15 SLS LLC CONTINUES TO HARRASS US. THEY SEND PEOPLE TO OUR PROPERTY 16 AT ALL TIMES OF THE DAY, TAKING PHOTOGRAPHS OF OUR HOME, OUR ASSETS, 17 18 PHOTOS OF OUR GRAND CHILDREN AND UNLEASING MENTAL ANGUISH AT US, 19 OUR FRIENDS, OUR RELATIVES AND FAMILY MEMBERS OF IMPENDING 20 FORECLOSURE OF OUR FAMILY HOME. 21 22 ATTACHED HERWITH ARE THE DOCUMENTS SENT TO OUR HOME BY MAIL 23 24 (EXHIBIT C: DEFAULT NOTICE OF INTENT TO FORECLOSE), HEREINAFTER 25 EXHIBIT C. 26 27 28 EXTORTION: ILLEGAL FORECLOSURE ACTION, AND FRAUD. - 3 2310S HAVING SENT THESE NOTICES, NOW WE ARE HARRASSED, ALMOST DAILY BY STRANGERS WITH NO IDENTIFICATION PAPERS, COMING TO OUR PROPERTY TAKING PICTURES OF OUR HOME. THIS HARRASMENT AND EXTORTION ACTIVITY HAS NOW LEAD TO NOTES BEING| LEFT ON OUR DOORS BY STRANGERS, HEREINAFTER EXHIBIT D, URGENT NOTICES, HARRASING US FOR ENTRY INTO OUR HOUSE FOR INSPECTION PURPOSES. 10 WE RECEIVE PHONE CALLS SOLICITING INTERIM PAYMENTS FROM CONSTANTLY It 12 CHANGING PHONE NUMBERS. 13 14 THIS DECLARATION IS ASKING THE COURT TO HAVE SPECIALIZED LOAN 15 SERVICES, LLC CEASE AND DESIST THIS EXTORTION AND HARRASMENT. THIS 16 HAS CAUSED US SEVERE MENTAL AND EMOTIONAL ANGUISH TO THE POINT 17 18 THAT BOTH WE, RALPH GLAVAN AND MIRNA GALVAN ARE ON THE THRESHOLD 19 OF A NERVOUS BREAKDOWN AND UNABLE TO FUNCTION IN OUR DAILY LIVES. 20 21 WE ARE AFRAID THIS CONSTANT HARRASMENT AND EXTORTION WILL CAUSE 22 US TO HAVE LONG TERM HEALTH ISSUES AND POSSIBLE EARLY DEMISE. 23 24 WE WOULD LIKE THE COURT TO INTERVENE AND STOP THIS HARRASMENT. WE 25 ALSO REQUEST THE COURT TO AWARD US WITH PUNITIVE DAMAGES; FOR PAIN 26 AND SUFFERING, ANXIETY AND FEAR, AND MENTAL ANGUISH. WE ARE BEING 27 DEPRIVED OF PEACE AND QUIET IN OUR OWN HOME IN OUR GOLDEN YEARS, 28 EXTORTION: ILLEGAL FORECLOSURE ACTION, AND FRAUD. - 4 Asus 1 WE ASK THE COURT TO PROVIDE US JUSTICE AND STOP THIS HARRASMENT. OCT. 22, 2019 10 Il MIRNA GALVAN 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 EXTORTION: ILLEGAL FORECLOSURE ACTION, AND FRAUD. - 5 Sus MC-031 L PLAINTIFF/PETITIONER: RALPH GALVAN AND MIRNA GALVAN CASE NUMBER: DEFENDANT/RESPONDENT: SPECIALIZED LOAN SERVICING, LLC DECLARATION (This form must be attached to another form or court paper before it can be filed in court.) EXHIBIT A: 1) LOAN MODIFICATION, WITH NEW FIRST TRUST DEED 2) PROVISIONS 3C IN THE DOCUMENT MAKING ALL OTHER AGREMENTS NULL AND VOID | declare under penalty of perjury under the laws of the State of California that the foregoing is true and correct. Date: Ralph Galvan and Mirna Galvan / Help (dw (TYPE OR PRINT NAME) (SIGNATURE OF DECLARANT) C1 Attorney for CO Plaintiff (1) Petitioner [1 Defendant (1 Respondent [] Other (Specify): Form Approved for Optional Use ATTACHED DECLARATION ‘Judicial Council of California Page 1 of 1 'MC-031 (Rev. July 1, 2005] wl vs —_———_—- L N FRESNO County Recorder T Recording Requested By: GMAC MORTGAGE, LLC Robert C. Werner When Resorded Return To: DOC- 2007 -0075638 Check Number 31813114 Current Trustor: Monday, APR 16, 2007 1 1:55:28 RALPH M GALVAN 2020 TENTH STREET SANGER, CA 93657-2957 Tel Pd 49.00 Nbr 0002480833 DIG/R6/1i-1 IITA SUBSTITUTION OF TRUSTEE GMAC MORTGAGE, LLC - CONSUMER #:8685498456 "GALVAN" Lender ID:50510/8685498456 Fresno, California PIF: 03/29/2007 MERS #: 100037506854984565 VRU #: 1-888-679-6377 Prepared By: Bulk, GMAC MORTGAGE, LLC 3451 HAMMOND AVENUE, PO BOX 780, WATERLOO, IA 50704-0780 1-800-205-4622 WHEREAS, the undersigned is the present Beneficiary under the Deed of Trust described below as follows: Original Trustor : RALPH M GALVAN MIRNA GALVAN Original Beneficiary: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ("MERS") Dated: 09/06/2005 Recorded: 09/22/2005 in Book/Reel/Liber: NA Page/Folio: NA as Instrument No.: 2005-0223767 in the County of Fresno and State of California. AND WHEREAS , the undersigned desires to substitute a different Trustee for the purpose of reconveying said Deed of TRUST; NOW THEREFORE the undersigned hereby substitutes EXECUTIVE TRUSTEE SERVICES, LLC as Trustee under said Deed of Trust. On Apri Mortgage Electronic Regist ms, Inc. ("MERS") Vickie Ingamells, Assistant Se STATE OF lowa COUNTY OF Black Hawk On April 9th, 2007, before me, A. SEEDORFF, a Notary Public i personally appeared Vickie Ingamelis, Assistant Secretary, personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. WITNESS fpy hafid and official seal, wotaeias Seat + STATE OF [OWA COMMISSION NUMBER 744401 MAY CONRISSION EXPIRES DECEMBER 14, A. SEEDORFF Notary Expires: 12/14/2009 #744401 (This area for notarial seal) *BLK"BLKGMAC*04/09/2007 07:54:30 PM* GMAC22GMAC0000000000000001472756* CAFRESN* 8685498456 CASTATE_TRUST_SUB *BLK"BLKGMAC* tls Sua HANUMAN A INU Recording Requested By: FRESNO County Recorder GMAC MORTGAGE, LLC Robert C. Werner When Recorded Return To: DOC- 2007-0075639 Check Number 31813114 Current Trustor: RALPH M GALVAN Monday, APR 16, 2007 11:55:57 2020 TENTH STREET SANGER, CA 93657-2957 Tel Pd 49.00 Nbr-0002480835 DJG/R6/1-1 ITA U NVEY ANCE GMAC MORTGAGE, LLC- CONSUMER #:8685498456 "GALVAN" Lender 1D:50510/8685498456 Fresno, California PIF: 03/29/2007 - MERS #: 100037506854984565 VRI 4-888-679-6377~ Prepared By: Bulk, GMAC MORTGAGE, LLC 3451 HAMMOND AVENUE, PO BOX 780, WATERLOO, IA 50704-0780 1-800-205-4622 EXECUTIVE TRUSTEE SERVICES, LLC as present Trustee for the Deed of Trust executed by RALPH M GALVAN MIRNA GALVAN as Trustor(s), Dated: 09/06/2005 Recorded: 09/22/2005 in Book/Reel/Liber: NA Page/Folio: NA as Instrument No.: 2005-0223767 of official Records in the office of the County Recorder of Fresno, California having been requested in writing, by the holder of the obligations secured by said Deed of Trust, to reconvey the estate granted to trustee under said Deed of Trust, does hereby reconvey to the person or persons legally entitled thereto, without warranty, all the estate, title and interest acquired by Trustee under said Deed of Trust. INWITNESS WHEREOF, EXECUTIVE TRUSTEE SERVICES, LLC as the Trustee has caused its corporate name to be affixed by a duly authorized officer on the date shown in the acknowledgment certificate below: On April 9th, 2007 By: EXECUTIVE TRUSTEE SERVICES, LLC as Trustee YO? "lem Mary Ann Hilmer , LIMITED SIGNING OFFICER STATE OF lowa COUNTY OF Black Hawk On April 9th, 2007, before me, A. SEEDORFF, a Notary Public personally appeared Mary Ann Hilmer , LIMITED SIGNING OFFICER, personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity, and that by his/her/their signature on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. WITNESS: hai and official seal, NOTARIAL SEAL « STATE OF IOWA COMMISSION NUMBER 744401 {WY COMMISSION EXPIRES DECEMBER 14, 2009 A. SEEDORFF Notary Expires: 12/14/2009 #74: (This area for notarial seal) 'BLK"BLKGMAC*04/09/2007 07:54:30 PM* GMAC22GMAC0000000000000001472756" CAFRESN' 8685498456 CASTATE_TRUST_REL *BLK"BLKGMAC* g/ oe “144 GMAC Mortgage 3451 Hammond Ave P.O. Box 780 Waterloo, IA 50704-0780 04/17/07 RALPH M GALVAN MIRNA GALVAN 2020 TENTH STREET SANGER CA 93657-2957 Account Number 8685498456 Property Address 2020 TENTH STREET SANGER CA 93657-2957 Dear RALPH M GALVAN MIRNA GALVAN Congratulations. Your account is paid in full. It has been our pleasure to service your financial needs, Ifa refund was due, it has been enclosed. Please cash the refund at your earliest convenience, as it is valid for only 60 days. If you are utilizing a military allotment, or third-party company to make payments on your behalf, please cancel your service for this account. If this account is not a GMAC Mortgage, LLC refinance and was escrowed for payment of taxes and/or insurance, and the due or delinquency date of a bill is on or after your date of loan payoff, do not assume the bill has been paid. Please check with your escrow/title company to determine if they paid or verified payment of any bills, or contact our office at the number below. FAILURE TO PAY ANY BILLS ON OR AFTER THE PAYOFF OF THIS LOAN, INCLUDING SUBSEQUENT PENALTIES, IS YOUR RESPONSIBILITY. A Statement of Mortgage Account showing year-to-date activity and/or an IRS Form 1098 will be mailed to you no later than January 31st. This is the only statement you will receive and it should be retained for your records. Please notify us of any change of address. A Deed of Reconveyance/Satisfaction of Mortgage will be forwarded to the appropriate county recorder’s office for recording. If you would like a copy, please contact your county recorder 12 to 24 weeks after payoff. Ifyou have any questions, please contact Customer Care at the toll free number provided on your monthly statement or coupon book. Customer Care Loan Servicing 7:74 alu> Teg Investor Loan # 1699733562 After Recording Return To: GMAC Mortgage, LLC 3451 Hammond Avenue: Waterloo, IA 50702 Custodian ID: RAL This document was prepared by GMAC Mortgage, LLC [Space Above This Line For Recording Data], MODIFICATION AGREEMENT Borrower (“I”): RALPH M GALVAN MIRNA GALVAN Lender\Servicer or Agent for Lender\Servicer:GMAC Mortgage, LLC Date of first lien Security Instrument (“Mortgage”) and Note (“Note”): 9/6/20! Loan Number: 0685498443 P Property Address [and Legal Description if recordation is necessary] (‘Property’): 2020 TENTH STREET SANGER CA 93657 If my representations in Section 1 continue to be true in all material Taspects, then this Modification Agreement (“Agreement”) will, as set forth in Section 3, amend and supplement (1) the Mortgage on the Property, and (2) the Note secured by the Mortgage. The Note is secured by a Mortgage, Deed of Trust, or Deed to Secure Debt (the “Security Instrument), dated the same date As the Note, and if applicable, recorded on with Instrument Number in Book and/or Page number if the real property records of FRESNO County, CA. Said Security Instrument covers the real and persohal property described in such Security Instrument (the “Property’) located at 2020 TENTH STREET SANGER CA 93657, which real property is more particularly described as follows. “MERS” is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee f Lender\Servicer or Agent for Lender\Servicer. MERS is organized and existing under the laws of Dela re, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, (888):679-MHRS. The Mortgage and Note together, as they may previously have been amended, are referred t as the “Loan Documents.” Capitalized terms used in this Agreement and not defined have the mi ining given to them in Loan Documents. (Legal Description — Attached as Exhibit if Recording jreement) This Agreement will not take effect unless the preconditions set forth in Section 2 have been satisfied. If there is more than one Borrower or Mortgagor executing this document, each is referred to “|.” For purposes of this document words signifying the singular (such as “I”) shall include the plural (such as “we) and vice versa where appropriate. \ol v= 8 fou My Representations. |certify, represent to Lender and agree: A. 1am experiencing a financial hardship, and as a result, (i) Iam in default under the Loan Documents, and (ii) | do not have sufficient income or acces to sufficient liquid assets to make the monthly mortgage payments now or in the near future; B, | live in the Property as my principal residence, and the Property has not been condemned; Cc. There has been no change in the ownership of the Property since | signed the Loan Documents; D. | have provided documentation for all income that | receive (and | understand that | am not required to disclose child support or alimony unless | chose}to rely on such income when requesting to qualify for a modification of the Loan Documents): Under penalty of perjury, all documents and information |} have provided to Lender in connection with this Agreement, including the documents and information regarding my eligibility for the Program, are true and correct; and, !f Lender requires me to obtain credit counseling in connectibn with the Program, | will so; and; | have made or will make all payments re quired under a Trial j Period Plan or Loan Workout Plan. Acknowledgements and Preconditions to Modification. | understand and acknowledge that: A TIME IS OF THE ESSENCE under this Agreement; B, 'f prior to the Modification Effective Date as-set forth in Section 3 the Lender determines that my representations in Section 1 are no longer true and corredt, the Loan Documents will not be modified and this Agreement will terminate. In this event,|the Lender will have all of the tights and remedies provided by the Loan Documents; and | understand that the Loan Documents will not be modified unless and until (i) | receive from the Lender a copy of this Agreement signed by the Lenfer, and (ii) the Modificati on Effective Date (as defined in Section 3) has occurred. | furt jer-understand and agree that the Lender will not be obligated or bound to make any modifipation of the Loan Documents if | fail to meet any one of the requirements under this ‘Agreer nt. The Modification. !f my representations in Section 1 continue to be true in all material respects and all preconditions to the modification set forth in Section 2 have been met, the Loan Documents will automatically become modified on 12/1/2010 (the}|“Modification Effective Date” and all unpaid late charges that remain unpaid will be waived. {The Loan Documents will be modified and the first modified payment will be due 6n 12/1/2010. I A. The new Maturity Date will be: 3/1/2024. B. The modified Principal balance of my Note will include all amounts and arrearages that will be Past due (excluding unpaid late charges) less any amounts paid to the Lender but not previously credited to my Loan. The new Princi pal balance of my Note will be $47,306. 50 (the “New Principal Balance”). Interest at the rate of 2.000% will begin to accrue on the New Principal Balance as of 11/1/2010 and the first new monthly payment on the New Pri cipal Balance will be due on 12/1/2010. My payment schedule for the modified Loan is as follows: WLS. Vea Interest Interest Monthly Monthly Escrow Total Payment Begins Payment Ends on Rate Principal Payment Monthly Change and Amount Payment Date Interest Payment Amount 2.000% 11/1/2010 $337.08 $208.87, adjusts $545.89, TABI 11/1/2015 annually after adjusts year1 annually after vear 4 3.00000% 11/1/2015 $351.04 Adjusts Annually ‘Adjusts 12/1/2016 11/1/2016 Annually 4.00000% 11/1/2016 $363.69 Adjusts Annually Adjusts 12/1/2016 11/1/2017 Annually 4.12500% 11/1/2017 $365.09 Adjusts Annually ‘Adjusts tertR0Wy 3/1/2024 Annually The above terms in this Section 3.C. shall supersede any pfovisions to the contrary in the Loan Documents, including but not limited to, provisions for{an adjustable or step interest rate. ! will be in default if | do not comply with the terms of the Loan Documents, as modified by this Agreement. lf a default rate of interest is permitted under the Loan Dobuments, then in the event of default under the Loan Documents, as amended, the interest that will be due will be the rate set forth in Section 3.C. Additional Agreements. | agree to the following: A That all persons who signed the Loan Documents or their authorized representative(s) have signed this Agreement, unless a borrower or co-borrower is deceased or the Lender has waived this requirement in writing. That this Agreement shall supersede the terms of any modificption, forbearance, Trial Period Plan or Workout Plan that | previously entered into with Lender. To comply, except to the extent that they are modified: by this Agreement, with all covenants, agreements, and requirements of Loan Documents including my agreement to make all Payments of taxes, insurance premiums, mortgage insurahce premiums, assessments, Escrow Items, impounds, and all other payments, the amount of which may change periodically over the term of my Loan. That this agreement constitutes notice that the Lender’s walver as to payment of Escrow Items, if any, has been revoked, and | have been advised of the amount needed to fully fund my Escrow Account. That the Loan Documents are composed of duly valid, bindig agreements, enforceable in accordance with their terms and are hereby reaffirmed. That all terms and provisions of the Loan Documents, except as expressly modified by this Agreement, remain in full force and effect; nothing in this Agreement shall be understood or construed to be a satisfaction or release. in whole or in part of the obligations contained in the Loan Documents; and that except as otherwise specifically provided in, and as expressly modified by, this Agreement, the Lender and | will be bound by, and will comply with, all of the terms and conditions of the Loan Documents, except that the Note, and the payment obligation created thereunder, are not enforceable against me personally. That, as of the Modification Effective Date, notwithstanding ahy other provision of the Loan Documents, | agree as follows: If all or any part of the Property or any interest in it is sold or 1/4 12% i transferred without Lender’s prior written consent, Lendet may, at its option, require immediate payment in full of all sums secured by the. Mortgage. However, Lender shall not exercise this option if federal law prohibits the exercise of such option as of the date of such sale or transfer. Lender may invoke any remedies permitted by the Mortgage without further notice or demand on me. That, as of the Modification Effective Date, a buyer or transfgree of the Property will not be permitted, under any circumstance, to assume the Loan. This Agreement may not, under any circumstances, be assigned to, or assumed by, a buyer of|the Property. That, as of the Modification Effective Date. any provision in Ithe Note, as amended for the assessment of a penalty for full or partial prepayment of the Ndte is null and void. That MERS holds only legal title to the interests granted by thd Borrower in the mortgage, but if necessary to comply with law or custom, MERS (as. nominee for Lender\Servicer or Agent for Lender\Servicer) has the right: to exercise any or all of thse interests, including, but not limited to, the right to foreclose and sell the Property; and fo take any action required of lender including, but not limited to, releasing and canceling thelmortgage Loan. By signing, | acknowledge that | have received the "Noticelof Special Flood Hazard and Availability of Federal Disaster Relief Assistance" if my property is located in a Special Flood Hazard Area. | further acknowledge that | have received this motice in sufficient time to have the opportunity to become aware of my responsibilities unde the National Flood Insurance Program and to purchase adequate flood insurance prior t} the completion of this loan modification. In Witness Whereof, the Lender and | have executed this Agreement. (sea) add Prod ol — RALPH M GALVAN Witness (2) -L6- lo Date Print Name (Seal) WA lo cd, MIRNA GALV. Witness - 2. Date Print Name (Seal), Witness Date Print Name (Seal), Witness Date Print Name i log 13/05, [Space Below This Line ForAcknowledgement] CALIFORNIA ALL-PURPOSE CERTIFICATE OF ACKNOWLEDGEMENT State of California County of f (ZES WO a onDee Ze 2010before me, /V\av ic fozade Lots vy foblic (Here insert name“and title of fhe officer) Peso apene.‘Ka | pL Galvan / Murne Galuan ‘Who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they_executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed this instrument. I certify under PENALTY OF PERJURY under the laws of the State off California that the foregoing paragraph is true and correct. SS my hand icial seal. L G7 AA MARIA (Notary Seal) Signature of Nolotary Pall Comm. #1713083 IOTARY FREsHOIC- CALIFORNIA Pre My Cc 2at an F (vs mp MC-031 L PLAINTIFF/PETITIONER: RALPH GALVAN AND MIRNA GALVAN CASE NUMBER: DEFENDANT/RESPONDENT: SPECIALIZED LOAN SERVICING, LLC DECLARATION (This form must be attached to another form or court paper before it can be filed in court.) EXHIBIT B: INFORMATION ON SPECALIZED LOAN SERVICES, LLC & ITS DIFFERENT OFFICERS AND LOCATIONS TRACK RECORD AND COMPLAINTS ON THE WORLD WIDE WEB | declare under penalty of perjury under the laws of the State of California that the foregoing is true and correct. Date: Ralph Galvan and Mirna Galvan fa (TYPE OR PRINT NAME) (SIGN RE OF DE 7 O Attorney for ( Piaintitf [4] Petitioner [1] Defendant oO Respondent CO other (Specify): Form Approved for Optional Use ATTACHED DECLARATION Judicial Council of California Page 1 of1 MC-031 [Rev. July 1, 2005) loa (o/s NETWORK IN THE USA AS LICENSED BY THE NMLS 1) SPECIALIZED LOAN SERVICSING LLC AKA: COMPUTERSHARE LOAN SERVICES DBA WWW.SLS.NET NMLS ID 2168 LOCATION: 8742 LUCENT BLVD SUITE 300 HIGHLANDS CO, 80129 2) HEATHER SAMANTHA CHRISTIAN NLMS: 955326 LOCATION: TEMPE, AZ. 85282 REPRESENTS: SPECIALIZED LOAN SERVICING LLC 2168 3) JAMES BUARN FARMER NMLS ID : 1747933 LOCATION: TEMPE, AZ 85282 REPRESENTS: SPECIALIZED LOAN SERVICING LLC 2168 4) SCOTT EDWARD HOLZMEIST NLMS ID: 1748260 LOCATION: TEMPE, AZ. 85282 REPRESENTS: SPECIALIZED LOAN SERVICING LLC 2168 S/o \wive 5) TARA DIANAE PILKINGTON AKA: TARA DIANE FLORYANCIS, AKA TARE DIANE O’CONNOR NMLS ID: 1178464 LOCATION TEMPE, AZ 85282 REPRESENTS: SPECIALIZED LOAN SERVICING LLC 2168 LEK \4 10> OTHER AGENTS ASSOCIATED WITH SLS LLC ae~ Specialized Loan Servicing LLC NMLS ID 2168 Street Address 8742 Lucent Bivd., Suite 300 Phone 720-241-7200 Websme wwwsls.net Highlands Ranch CO 60129 Toll-Free Number 900-315.4757 Email licensine@computershare.com Miling Address. PO Box 631873 Foy 720-261-7218 Littleton, CO 89163 Other Trade tsames (Computershere Loan Servizes; dba www.sis.net; Specialized Loan Servicing; Spetialized Loan Serviting LLC, a Computershare company Prior Oinar Trade Names ? one Prior Legsi Names ? None Sponsored MLOs ? 43 Fiscal Year Eno" 06/30 Fomed in Delaware, United States ste Formed: 12/31/2002 Stock Symbol None Business Struzture Limited Liabilty Gompany Reguistory Actions 7 Yes Branch Locations (2 Activa, O inactive) jew All Branches + Slate Licenses/Registrations (Displaying 74 Astive of 72 Totaly t+) View ‘Authorized to Regulator UsiReg Name Conduct Susiness 7 Consumer Complaint I+] ViewAt Detalio Alebama Consumer Credit License Yes Submit to Regulator 4] View Datei Alaska Mongage Broker/Lender License Yes ‘Submd to Reguletor 4} Mew Details Asizone Collection Agency License Yes ‘Submitto Regutelor 41 View Dstelts Asizone Escrow Agent License Yes ‘Subrilto Regulator i] View Details Askenses Combination Mortgage Benker (-Broker-Servicer License Yes ‘Submit to Regutetor [+1 ew Dataits California - DBO. Finance Lenders Law License ‘Submil to Reguistor i+] View Datoils Residential Mortgage Lending Act License Yes Submit to Regulator [+] iow Details ‘Golsrado Morgage Company Registration Yes ‘Submit to Regulator (+1 View Detans. Connectisus Mongags Lender License Yes Submit to Reguistor i+] view Details Connecticut Mongags Serviser License Yes Submit to Resulator iv] View Detats: Delaware Lender License Yes ubrmil to Regulator 41 ew Details District of Columbia Mortgage Dus! Authority License Yes Submit to Reguistor I+] Mew Dsteits Floris Momgage Lender Servicer License Yes ‘Submit to Reguletor i] View Datoils Georgia Mortgage Lender Lizense/Recistration Yes ‘Submit to Regulator [+] visw Detsits \8/ o> hes Mortara ender ~ Georgia Yes Submit to Reguistor (4) Mew Details Gusm Mongage Servicer Lisense Yes Submit to Reguistor [+] Mew Details Hawaii Mortgage Serviter License Yes ‘Submit to Reguistor [+] view Details Idaho Collection Agency License Yes Submit to Regulator [+] view Det tails idaho Mortgage Broker/Lendsr License Yes ‘Submit to Regulator [+ w Details Winois Residents! Mortgage License Yes ‘Submil to Reguistor [+] View Details Indiene-DFI Morgage Lending License Submit to Reauistor [+] View Details indisna-SOS Collection Agency License Yes Submit to Reauletor fs 7 Details Jowa Master Loan Compsny Registration Yes si ubmit to ReRegulator Submit [+] Mew Details, fowa Mongage Benker License Yes ‘Submit to Reguistor [+] View Details Kansas Mortgage Company License Yes ‘Submit to Regulator [+] Mew Details Kentucky Mongags Company License Yes ‘Submit to Regutator [+] View Details Louisiana Residential Mortgoe Lending License Yes ‘Submit to Reguistor [+] View Details Maing ‘Supervised Lender License Yes Submit to Regulator [+] View Deteils ‘Maryland Collection Agency License Yes Submit to Regulator T+] view Deteits Maryta Mortgage Lender Lisense Yes Submit to Regulator [+] view Details, ‘Massachusetts Debt Cotlector Yes Submit te Requistor [+] View Details Michigas ‘st Mortoage Broker/LenderServicer Registrant Yes ‘Submil to Reguistor [+] View Detaits MiMichioiigan 2nd Mortgage Broker/Lender/Servicer Registrant Yes Submit to Regutator [+] View Details, Min Residentiel Mortgage Originator License Yes ‘Submit to Regulator [+] View Det is Minnesote Residential Mortgage Servicer License Yes Submit to Regulator I+] View Dateils Mississippi Mortgage Lender License Yes Submit to Regulator J+] view Detaits Missouri Company Litense Yes submit to Regulator [+] Mew Detsils Montan: Mongage Broker Litense Yes Submit to Regulator [+] Misw Details Montene, Mortgage Servicer License Yes Subr 0 Regulator [4] view Details. Nebraska Mortgage Banker License Yes Submit to Regutstor (+1 jew Detsils Nevada Mongage Serviter License Yes Submit to Requiator {+ Deteils New Hampshire Mortgag