On March 25, 2024 a
Miscellaneous
was filed
involving a dispute between
1900 Capital Trust Ii By Us Ba,
and
Capital One National Associati,
Carr, Kevin,
Michallick, Amber Jean,
Unknown Spouse Of Amber Jean M,
Unknown Tenant 1,
Unknown Tenant 2,
for Homestead Res Fcl More Than 50K Less Than 250K
in the District Court of Pasco County.
Preview
Filing # 194776996 E-Filed 03/25/2024 08:42:11 PM DIN: 13
IN THE CIRCUIT COURT OF THE SIXTH JUDICIAL CIRCUIT, IN AND FOR PASCO COUNTY,
FLORIDA GENERAL JURISDICTION DIVISION
1900 CAPITAL TRUST
Hl, BY US BANK TRUST
NATIONAL ASSOCIATION, NOT IN ITS Case #
INDIVIDUAL CAPACITY BUT SOLELY AS
CERTIFICATE TRUSTEE
Plaintiff,
-Vvs-
AMBER JEAN MICHALLICK FKA AMBER J CARR, et.
al,
Defendant(s)
/
IMPORTANT NOTICE TO HOMEOWNER
A FORECLOSURE ACTION HAS BEEN FILED AGAINST YOU.
YOU HAVE RIGHTS DURING THIS LAWSUIT AND MAY WANT
TO PARTICIPATE IN MEDIATION.
IF YOU DO NOT RESPOND TO THIS LAWSUIT, A FINAL
JUDGMENT WILL BE ENTERED AND YOUR HOME OR
PROPERTY WILL BE SOLD AT A FORECLOSURE SALE.
IF YOU WANT TO TRY AND SAVE YOUR HOME OR
PROPERTY, YOU MUST RESPOND TO THIS LAWSUIT AS
DIRECTED IN THE SUMMONS. YOU MAY ALSO WANT TO
PARTICIPATE IN MEDIATION.
MEDIATION
If you want to participate in mediation to try to save your home you must file a Motion for
Foreclosure Mediation. A form Motion for Foreclosure Mediation is available at www.jud6.org. It
is important for you to file with the Court a response to the lawsuit in a timely manner as
directed in the Summons even if you request mediation.
Mediation is a meeting at which you and the plaintiff (your lender) can try to work out an
agreement to stop the foreclosure so that you can stay in your home.
In addition to mediation, one or more of the following options may be available to you to
save your home:
Sixth Circuit Administrative Order 2019-004 — Attachment B
Electronically Filed Pasco Case # 2024CA000793CAAX WS 03/25/2024 08:42:11 PM
1). Loan Modification: Written agreement that permanently changes one or more of the
original terms of your mortgage to make the payments more affordable.
2). Reinstatement: Repayment of the total amount that you are behind in a lump sum
payment.
3). Forbearance: Temporary reduction or suspension of your mortgage payments.
4). Repayment Plan: Agreement plan that allows the homeowner to repay the amount that
you are behind gradually while making your regularly scheduled monthly payments.
5). Short Sale: Lender may allow you to sell the home for less than the total amount owed on
the mortgage. If the lender agrees to the short sale, the remaining portion of the mortgage that
exceeds the net proceeds from the sale will be written off by the lender.
6). Deed-in-Lieu of Foreclosure: Lender will cancel the mortgage if the homeowner
voluntarily transfers the title of the property to the lender.
PLEASE REVIEW THE NEXT PAGE, WHICH LISTS RESOURCES ABOUT
LEGAL SERVICES, FINANCIAL COUNSELING, AND OTHER RESOURCES.
SOME OF THESE MAY BE AVAILABLE TO YOU FREE OR AT LOW-COST.
ALSO PLEASE REVIEW THE INFORMATION ABOUT AVOIDING
FORECLOSURE RESCUE SCAMS.
INFORMATION ON RESOURCES TO ASSIST YOU IN
FORECLOSURE CASES
I, LEGAL RESOURCES
You are urged to get a lawyer to protect your rights and your property. You should find a
lawyer even if you ask for mediation or other services. Contact one of these Lawyer Referral
Services:
Pasco County Florida Bar Lawyer Referral (800) 342-8011
www.floridabar.org
N. Pinellas County | Clearwater Bar Association (727) 461-4880 _| www.clwbar.org
S. Pinellas County | St. Petersburg Bar Association | (727) 821-5450 _| www.stpetebar.com
Tf you cannot afford a lawyer, you may contact your local legal aid or legal services provider:
S. Pinellas County
E. Pasco County Bay Area Legal Services (800) 625-2257 www.bals.org
W. Pasco County
N. Pinellas County
Gulf Coast Legal Services
(727) 443-0657 www.gulfcoastlegal.org
S. Pinellas County (127) 821-0726
S. Pinellas County | Community Law Program (727) 582-7480 www.lawprogram.org
II. FINANCIAL COUNSELING
In addition, you may wish to contact a Financial Counseling agency.
Catholic Charities Diocese (727) 893-1313 www.ccdosp.org
Clearpoint (800) 750-2227 www.clearpoint.org
Sixth Circuit Administrative Order 2019-004 — Attachment B
www.makinghomeaffordable.gov
Homeowners Hope Hotline (888) 995-4673 www.99Shope.org
www.hopenow.com
Housing & Education Alliance (813) 932-4663 www.heausa.org
Solita’s House, Inc. (813) 425-4847 www. solitashouse.com
Neighborhood Home Solutions (727) 821-6897 www.nhsfl.org
Tampa Bay Community Development
Corporation
(727) 442-7075 www.tampabaycde.org
Community Service Foundation, Inc. (727) 461-0618 www.csfpinellas.com
Ill. OTHER RESOURCES
2-1-1 Tampa Bay Cares, Inc. (727) 888-5211 www.211tampabay.org
Clearwater Neighborhood Housing Services (727) 442-4155
Pinellas County Community Development Dept.
(727) 464-8210 www. pinellascounty.org/community
(800) 806-5154
Department of Housing & Urban Develp. (HUD) (800) 225-5342 www.hud.gov
IV. AVOIDING FORECLOSURE RESCUE SCAMS
You may be contacted by individuals or companies that claim they can save your home from
foreclosure. Please seek legal advice before you sign any documents or pay money to anyone
offering to save your home from foreclosure. If you think that you have been a victim of a
foreclosure scam, you may call one of the following numbers for assistance:
Florida Department of Financial Services (877) 693-5236 www.inyfloridacfo.com
Federal Trade Commission (877) 382-4357 www.ftc.gov/bep/consumer.shtm
Office of the Attorney General (866) 966-7226 www.myfloridalegal.com/
Florida Dept. of Agriculture & Consumer Services (800) 435-7352 http://www. freshfromflorida.com/
Pinellas County Justice & Consumer Services (727) 464-6200 www.pinellascounty.org/consumer/
Sixth Circuit Administrative Order 2019-004 — Attachment B
Document Filed Date
March 25, 2024
Case Filing Date
March 25, 2024
Category
Homestead Res Fcl More Than 50K Less Than 250K
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Preview
Filing # 194776996 E-Filed 03/25/2024 08:42:11 PM DIN: 13 IN THE CIRCUIT COURT OF THE SIXTH JUDICIAL CIRCUIT, IN AND FOR PASCO COUNTY, FLORIDA GENERAL JURISDICTION DIVISION 1900 CAPITAL TRUST Hl, BY US BANK TRUST NATIONAL ASSOCIATION, NOT IN ITS Case # INDIVIDUAL CAPACITY BUT SOLELY AS CERTIFICATE TRUSTEE Plaintiff, -Vvs- AMBER JEAN MICHALLICK FKA AMBER J CARR, et. al, Defendant(s) / IMPORTANT NOTICE TO HOMEOWNER A FORECLOSURE ACTION HAS BEEN FILED AGAINST YOU. YOU HAVE RIGHTS DURING THIS LAWSUIT AND MAY WANT TO PARTICIPATE IN MEDIATION. IF YOU DO NOT RESPOND TO THIS LAWSUIT, A FINAL JUDGMENT WILL BE ENTERED AND YOUR HOME OR PROPERTY WILL BE SOLD AT A FORECLOSURE SALE. IF YOU WANT TO TRY AND SAVE YOUR HOME OR PROPERTY, YOU MUST RESPOND TO THIS LAWSUIT AS DIRECTED IN THE SUMMONS. YOU MAY ALSO WANT TO PARTICIPATE IN MEDIATION. MEDIATION If you want to participate in mediation to try to save your home you must file a Motion for Foreclosure Mediation. A form Motion for Foreclosure Mediation is available at www.jud6.org. It is important for you to file with the Court a response to the lawsuit in a timely manner as directed in the Summons even if you request mediation. Mediation is a meeting at which you and the plaintiff (your lender) can try to work out an agreement to stop the foreclosure so that you can stay in your home. In addition to mediation, one or more of the following options may be available to you to save your home: Sixth Circuit Administrative Order 2019-004 — Attachment B Electronically Filed Pasco Case # 2024CA000793CAAX WS 03/25/2024 08:42:11 PM 1). Loan Modification: Written agreement that permanently changes one or more of the original terms of your mortgage to make the payments more affordable. 2). Reinstatement: Repayment of the total amount that you are behind in a lump sum payment. 3). Forbearance: Temporary reduction or suspension of your mortgage payments. 4). Repayment Plan: Agreement plan that allows the homeowner to repay the amount that you are behind gradually while making your regularly scheduled monthly payments. 5). Short Sale: Lender may allow you to sell the home for less than the total amount owed on the mortgage. If the lender agrees to the short sale, the remaining portion of the mortgage that exceeds the net proceeds from the sale will be written off by the lender. 6). Deed-in-Lieu of Foreclosure: Lender will cancel the mortgage if the homeowner voluntarily transfers the title of the property to the lender. PLEASE REVIEW THE NEXT PAGE, WHICH LISTS RESOURCES ABOUT LEGAL SERVICES, FINANCIAL COUNSELING, AND OTHER RESOURCES. SOME OF THESE MAY BE AVAILABLE TO YOU FREE OR AT LOW-COST. ALSO PLEASE REVIEW THE INFORMATION ABOUT AVOIDING FORECLOSURE RESCUE SCAMS. INFORMATION ON RESOURCES TO ASSIST YOU IN FORECLOSURE CASES I, LEGAL RESOURCES You are urged to get a lawyer to protect your rights and your property. You should find a lawyer even if you ask for mediation or other services. Contact one of these Lawyer Referral Services: Pasco County Florida Bar Lawyer Referral (800) 342-8011 www.floridabar.org N. Pinellas County | Clearwater Bar Association (727) 461-4880 _| www.clwbar.org S. Pinellas County | St. Petersburg Bar Association | (727) 821-5450 _| www.stpetebar.com Tf you cannot afford a lawyer, you may contact your local legal aid or legal services provider: S. Pinellas County E. Pasco County Bay Area Legal Services (800) 625-2257 www.bals.org W. Pasco County N. Pinellas County Gulf Coast Legal Services (727) 443-0657 www.gulfcoastlegal.org S. Pinellas County (127) 821-0726 S. Pinellas County | Community Law Program (727) 582-7480 www.lawprogram.org II. FINANCIAL COUNSELING In addition, you may wish to contact a Financial Counseling agency. Catholic Charities Diocese (727) 893-1313 www.ccdosp.org Clearpoint (800) 750-2227 www.clearpoint.org Sixth Circuit Administrative Order 2019-004 — Attachment B www.makinghomeaffordable.gov Homeowners Hope Hotline (888) 995-4673 www.99Shope.org www.hopenow.com Housing & Education Alliance (813) 932-4663 www.heausa.org Solita’s House, Inc. (813) 425-4847 www. solitashouse.com Neighborhood Home Solutions (727) 821-6897 www.nhsfl.org Tampa Bay Community Development Corporation (727) 442-7075 www.tampabaycde.org Community Service Foundation, Inc. (727) 461-0618 www.csfpinellas.com Ill. OTHER RESOURCES 2-1-1 Tampa Bay Cares, Inc. (727) 888-5211 www.211tampabay.org Clearwater Neighborhood Housing Services (727) 442-4155 Pinellas County Community Development Dept. (727) 464-8210 www. pinellascounty.org/community (800) 806-5154 Department of Housing & Urban Develp. (HUD) (800) 225-5342 www.hud.gov IV. AVOIDING FORECLOSURE RESCUE SCAMS You may be contacted by individuals or companies that claim they can save your home from foreclosure. Please seek legal advice before you sign any documents or pay money to anyone offering to save your home from foreclosure. If you think that you have been a victim of a foreclosure scam, you may call one of the following numbers for assistance: Florida Department of Financial Services (877) 693-5236 www.inyfloridacfo.com Federal Trade Commission (877) 382-4357 www.ftc.gov/bep/consumer.shtm Office of the Attorney General (866) 966-7226 www.myfloridalegal.com/ Florida Dept. of Agriculture & Consumer Services (800) 435-7352 http://www. freshfromflorida.com/ Pinellas County Justice & Consumer Services (727) 464-6200 www.pinellascounty.org/consumer/ Sixth Circuit Administrative Order 2019-004 — Attachment B