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Case Number: CACE-17-002695 Division: 12
Filing # 52064237 E-Filed 02/03/2017 05:00:46 PM
IN THE CIRCUIT COURT OF THE
SEVENTEENTH JUDICIAL
CIRCUIT, IN AND FOR BROWARD
COUNTY, FLORIDA.
CASE No.
RCS RECOVERY SERVICES, LLC,
PLAINTIFF,
VS.
LAURA NEWBERY ;
ANY AND ALL UNKNOWN PARTIES CLAIMING BY,
THROUGH, UNDER AND AGAINST THE NAMED
INDIVIDUAL DEFENDANT(S) WHO ARE NOT
KNOWN TO BE DEAD OR ALIVE, WHETHER
UNKNOWN PARTIES MAY CLAIM AN INTEREST AS
SPOUSES, HEIRS, DEVISEES, GRANTEES, OR
OTHER CLAIMANTS.
DEFENDANT(S).
/
COMPLAINT
COMES NOW, Plaintiff, RCS RECOVERY SERVICES, LLC, by and through the
undersigned counsel, and sues the Defendant(s) and alleges:
GENERAL ALLEGATIONS
1. This is an action for damages that are in excess of $15,000.00.
2. On January 13, 2006, Defendant(s), Laura Newbery, made, executed and delivered a
Promissory Note to Mortgage Lenders Network USA, Inc. A copy of the Promissory Note is
attached as Exhibit A.
3. Defendant, Laura Newbery , resides or regularly conducts business in Broward County,
Florida.
4. The original lender relinquished ownership of the debt at issue in this matter, and by virtue
of transfers of the debt, Plaintiff is the current owner and holder of the Note with the rights
Our Case #: 17-000240-COL\RCS
#4 FILED: BROWARD COUNTY, FL BRENDA D. FORMAN, CLERK 2/3/2017 5:00:45 PM.****to enforce.
5. All conditions precedent required to bring this action have occurred or have been
performed.
COUNT I. BREACH OF NOTE
Plaintiff re-alleges and incorporates the allegations contained in the paragraphs contained in
the General Allegations.
6. Defendant(s), Laura Newbery, has defaulted under the Promissory Note by failing to make
the payment due January 1, 2015, and all subsequent payments.
7. Plaintiff declares the full amount payable under the Promissory Note to be due.
8. Defendant(s), Laura Newbery, owes Plaintiff principal of $29,013.17 on the Promissory
Note, together with all costs of collection including reasonable attorney’s fees.
9. Plaintiff is obligated to pay its attorney a reasonable fee for legal services.
10. All conditions precedent to the institution of this action have been waived, performed or
excused,
WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant(s), Laura
Newbery, in the amount of $29,013.17 plus a reasonable attorney's fee, cost of suit and all other
relief this Court deems just and appropriate.
COUNT II. MONEY LENT
Plaintiff re-alleges and incorporates the allegations contained in the paragraphs contained in
the General Allegations.
11. As of the date of this lawsuit, Defendant(s) owes the Plaintiff a total of $29,013.17.
12. The total amount due is subject to increase due to the ongoing accumulation of costs and
fees.
WHEREFORE, Plaintiff, demands judgment against the Defendant(s) for the sum of
$29,013.17 plus costs, plus or minus any payments, debits or credits posted to the account (if any).
Our Case #: 17-000240-COL\RCSCOUNT HI. QUANTUM MERUIT
Plaintiff re-alleges and incorporates the allegations contained in the paragraphs contained in
the General Allegations.
13
14.
. Prior to this action, Plaintiff or Plaintiff's predecessor in interest extended credit, loaned
money, or provided goods or services to Defendant(s).
Defendant(s) benefited from extension of credit, money, goods, or services provided
Defendant(s) by Plaintiff or Plaintiff's predecessor in interest.
. Defendant(s) has/have failed to pay Plaintiff or Plaintiff's predecessor in interest for the
extension of credit, money, goods, or services.
. It would be inequitable for Defendant(s) to retain the benefit of the extension of credit,
money, goods, or services received by Defendant(s) without paying Plaintiff for same.
. The failure of Defendant(s) to pay the Plaintiff or Plaintiff's predecessor in interest for the
extension of credit, money, goods, or services has caused the Defendant(s) to be unjustly
enriched at the expense of the Plaintiff.
. As of the date of this lawsuit, Defendant(s) owes the Plaintiff a total of $29,013.17. This
amount is subject to increase due to the ongoing accumulation of interest and/or
delinquency fees.
WHEREFORE, Plaintiff, demands judgment against the Defendant(s) for the sum of
$29,013.17 plus costs, plus or minus any payments, debits or credits posted to the account (if any).
Our Case
Gladstone Law Group, P.A.
Attorney for Plaintiff
1515 South Federal Highway, Suite 100
Boca Raton, FL 33432
Telephone #: 855-536-1538
Fax #: 561-338-4077
Email: eservice@gladstonelawgroup.com
/
Ny f
ALL
By: f VA
Jarret Berfond, Esq.
FBN 28816
This is an attempt to collect a debt, and any information obtained will be used for that purpose.
#: 17-000240-COL\RCSNOTE
January 13, 2006 TALLAHASSEE Florida
Date City State
3266 SAWTOOTH DRIVE , TALLAHASSEE, FL 32303
Property Address
1. BORROWER’S PROMISE TO PAY
In return for a loan that I have received, I promise to pay U.S.$ 30,400.00 (this amount will be called
“*principal’’), plus interest, to the order of the Lender. The Lender is
MORTGAGE LENDERS NETWORK USA, INC.
. understand that the Lender may transfer this
Note. The Lender or anyone who takes this Note by wansfer and who is entitled to receive payments under this Note will be called
the *‘Note Holder.”*
2, INTEREST
I will pay interest at a yearly rate of 13.4000
Inmet vil be charged on mnped principal antl te ull aroun of piace bas been pas.
3. PAYMENTS
I will pay principal and interest by making payments each month of U.S. $ 345.82
I will make my paymentson the 1st day of each month beginning on March 1
2006 1 wil mako fee pam ovr mow unl Thar pad of pcp an re an any oer tgs
described below, that I may owe under this Note. If,on February 1, 2021
T sill owe amounts under this Note, I will pay all those amounts, in full, on that date,
I will make my monthly payments at 10 RESEARCH PARKWAY, WALLINGFORD, CT 06492
or at a different place if required by the Note Holder.
4. BORROWER’S FAILURE TO PAY AS REQUIRED
(A) Late Charge for Overdue Payments
calender ants bas not rencivod the full amount of any of tay monthly payments by te end of 10
calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be
10,0000 % of my overdue payment, but not less than U.S. $ 34.58 and not more than
US.$ 34.58 «I will pay this late charge only once on any late payment.
(B) Notice from Note Holder
If I do not pay the full amount of each monthly payment on time, the Note Holder may send me a written notice telling me
that if I do not pay the overdue amount by a certain date I will be in default. That date must be at least 10 days after the date on
which the notice is mailed to me or, if it is not mailed, 10 days after the date on which it is delivered to me,
(C) Defautt
If 1 do not pay the overdue amount by the date stated in the notice described in (B) above, I will be in default. If I am in
default, the Note Holder may require me to pay immediately the full amount of principal which has not been paid and all the
interest that I owe on that amount.
Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above,
the Note Holder will still have the right to do so if I am in default at a Jater time.
MIN- 1002610-3030051486-5
|FLORIDA - SECOND MORTGAGE - 1/80 - FNMA/FHLMC UNIFORM INSTRUMENT]
Form 3910
Syr5FL) (0303) Amended 10/98
\VMP MORTGAGE FORMS - (800)821-7201
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NOTICE TO BORROWER
Do not sign this Note if it contains blank spaces.
All spaces should be completed before you sign.
a (Seal) (Seal)
LAURA NEWBERY -Borrower -Borrower
(Seal) (Seal)
‘Borrower __ PAY TO THE ORDER OF: a
SMa gs Pea ee te
amour necouns ——
cu By MORTGAGE LENDERS re USAING. (Sean
Borrower -Borrower
—gunllia fans
—— exes
SENIOR CLOSER
(Seal) (Seal)
-Bonower “Borrower
(Sign Original Only]
BD; 75(F Ly 40303) Page 3013 Form 3910a BALLOON NOTE ADDENDUM
(Mortgage Balloon Loans)
THIS LOAN IS PAYABLE IN FULL AT MATURITY. YOU MUST
REPAY THE ENTIRE PRINCIPAL BALANCE OF THE LOAN AND
UNPAID INTEREST THEN DUE. THE LENDER IS UNDER NO
OBLIGATION TO REFINANCE THE LOAN AT THAT TIME.
YOU WILL, THEREFORE, BE REQUIRED TO MAKE PAYMENT
OUT OF OTHER ASSETS THAT YOU MAY OWN, OR YOU WILL
HAVE TO FIND A LENDER, WHICH MAY BE THE LENDER YOU
HAVE THIS LOAN WITH, WILLING TO LEND YOU THE
MONEY. IF YOU REFINANCE THIS LOAN AT MATURITY, YOU
MAY HAVE TO PAY SOME OR ALL OF THE CLOSING COSTS
NORMALLY ASSOCIATED WITH A NEW LOAN EVEN IF YOU
OBTAIN REFINANCING FROM THE SAME LENDER.
» (Seal) (Seal)
LAURA RY -Borrower -Borrower
(Seal) (Seal)
-Borrower Borrower
MIN- 1002610-3030051486-5
874-4 created 11/99ALLONGE TO NOTE
Date of Allonge: 2/9/2006
Note Date: 1/13/2006
Loan Amount: $30,400.00
Property Address: 3266 SAWTOOTH DRIVE
TALLAHASSEE, FL 32303
In favor of: Mortgage Lenders Network, USA, Inc.
And Executed by: LAURA NEWBERY
_ ARIS COR! cs
Pay to the order of
Without recourse:
By: é
Name: Michele Morales
Manager of Sales and
Acquisitions
Emax Financial Group, LLCThis endorsement is a permanent part of the Note, in the amount of $30,400.00
ALLONGE TO NOTE
NOTE DATE: JANUARY 13, 2006
BORROWER NAME: LAURA NEWBERY
PROPERTY: 3266 SAWTOOTH DRIVE, TALLAHASSEE, FL 32303
PAY TO THE ORDER OF:
U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR RESIDENTIAL ASSET
SECURITIES CORPORATION, HOME EQUITY MORTGAGE ASSET-BACKED PASS-
THROUGH CERTIFICATES, SERIES 2006-EMX4
WITHOUT FASCOURSE
U.S. BAN! ‘TIONAJ. ASSOCIATION, AS TRUSTEE BY ITS ATTORNEY IN FACT OCWEN
LOAN SEI IG,
seeen Byes
fer SIGNERALLONGE TO NOTE
This endorsement is a permanent part of the Note, in the amount of $30,400.00
NOTE DATE: JANUARY 13, 2006
BORROWER NAME: LAURA NEWBERY
PROPERTY: 3266 SAWTOOTH DRIVE, TALLAHASSEE, FL 32303
PAY TO THE ORDER OF:
RCS RECOVERY SERVICES, LLC
WITHOUT RECOURSE
U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR RESIDENTIAL ASSET
SECU! CORPORATION, HOME EQUITY MORTGAGE ASSET-BACKED PASS-
THROUG RTIFICA’ SERIES 2006-EMX4 BY ITS ATTORNEY IN FACT OCWEN
LOAN ICING, LLC
jfson Ayers
eee SIGNER
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Case Number: CACE-17-002695 Division: 12 Filing # 52064237 E-Filed 02/03/2017 05:00:46 PM IN THE CIRCUIT COURT OF THE SEVENTEENTH JUDICIAL CIRCUIT, IN AND FOR BROWARD COUNTY, FLORIDA. CASE No. RCS RECOVERY SERVICES, LLC, PLAINTIFF, VS. LAURA NEWBERY ; ANY AND ALL UNKNOWN PARTIES CLAIMING BY, THROUGH, UNDER AND AGAINST THE NAMED INDIVIDUAL DEFENDANT(S) WHO ARE NOT KNOWN TO BE DEAD OR ALIVE, WHETHER UNKNOWN PARTIES MAY CLAIM AN INTEREST AS SPOUSES, HEIRS, DEVISEES, GRANTEES, OR OTHER CLAIMANTS. DEFENDANT(S). / COMPLAINT COMES NOW, Plaintiff, RCS RECOVERY SERVICES, LLC, by and through the undersigned counsel, and sues the Defendant(s) and alleges: GENERAL ALLEGATIONS 1. This is an action for damages that are in excess of $15,000.00. 2. On January 13, 2006, Defendant(s), Laura Newbery, made, executed and delivered a Promissory Note to Mortgage Lenders Network USA, Inc. A copy of the Promissory Note is attached as Exhibit A. 3. Defendant, Laura Newbery , resides or regularly conducts business in Broward County, Florida. 4. The original lender relinquished ownership of the debt at issue in this matter, and by virtue of transfers of the debt, Plaintiff is the current owner and holder of the Note with the rights Our Case #: 17-000240-COL\RCS #4 FILED: BROWARD COUNTY, FL BRENDA D. FORMAN, CLERK 2/3/2017 5:00:45 PM.****to enforce. 5. All conditions precedent required to bring this action have occurred or have been performed. COUNT I. BREACH OF NOTE Plaintiff re-alleges and incorporates the allegations contained in the paragraphs contained in the General Allegations. 6. Defendant(s), Laura Newbery, has defaulted under the Promissory Note by failing to make the payment due January 1, 2015, and all subsequent payments. 7. Plaintiff declares the full amount payable under the Promissory Note to be due. 8. Defendant(s), Laura Newbery, owes Plaintiff principal of $29,013.17 on the Promissory Note, together with all costs of collection including reasonable attorney’s fees. 9. Plaintiff is obligated to pay its attorney a reasonable fee for legal services. 10. All conditions precedent to the institution of this action have been waived, performed or excused, WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant(s), Laura Newbery, in the amount of $29,013.17 plus a reasonable attorney's fee, cost of suit and all other relief this Court deems just and appropriate. COUNT II. MONEY LENT Plaintiff re-alleges and incorporates the allegations contained in the paragraphs contained in the General Allegations. 11. As of the date of this lawsuit, Defendant(s) owes the Plaintiff a total of $29,013.17. 12. The total amount due is subject to increase due to the ongoing accumulation of costs and fees. WHEREFORE, Plaintiff, demands judgment against the Defendant(s) for the sum of $29,013.17 plus costs, plus or minus any payments, debits or credits posted to the account (if any). Our Case #: 17-000240-COL\RCSCOUNT HI. QUANTUM MERUIT Plaintiff re-alleges and incorporates the allegations contained in the paragraphs contained in the General Allegations. 13 14. . Prior to this action, Plaintiff or Plaintiff's predecessor in interest extended credit, loaned money, or provided goods or services to Defendant(s). Defendant(s) benefited from extension of credit, money, goods, or services provided Defendant(s) by Plaintiff or Plaintiff's predecessor in interest. . Defendant(s) has/have failed to pay Plaintiff or Plaintiff's predecessor in interest for the extension of credit, money, goods, or services. . It would be inequitable for Defendant(s) to retain the benefit of the extension of credit, money, goods, or services received by Defendant(s) without paying Plaintiff for same. . The failure of Defendant(s) to pay the Plaintiff or Plaintiff's predecessor in interest for the extension of credit, money, goods, or services has caused the Defendant(s) to be unjustly enriched at the expense of the Plaintiff. . As of the date of this lawsuit, Defendant(s) owes the Plaintiff a total of $29,013.17. This amount is subject to increase due to the ongoing accumulation of interest and/or delinquency fees. WHEREFORE, Plaintiff, demands judgment against the Defendant(s) for the sum of $29,013.17 plus costs, plus or minus any payments, debits or credits posted to the account (if any). Our Case Gladstone Law Group, P.A. Attorney for Plaintiff 1515 South Federal Highway, Suite 100 Boca Raton, FL 33432 Telephone #: 855-536-1538 Fax #: 561-338-4077 Email: eservice@gladstonelawgroup.com / Ny f ALL By: f VA Jarret Berfond, Esq. FBN 28816 This is an attempt to collect a debt, and any information obtained will be used for that purpose. #: 17-000240-COL\RCSNOTE January 13, 2006 TALLAHASSEE Florida Date City State 3266 SAWTOOTH DRIVE , TALLAHASSEE, FL 32303 Property Address 1. BORROWER’S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S.$ 30,400.00 (this amount will be called “*principal’’), plus interest, to the order of the Lender. The Lender is MORTGAGE LENDERS NETWORK USA, INC. . understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by wansfer and who is entitled to receive payments under this Note will be called the *‘Note Holder.”* 2, INTEREST I will pay interest at a yearly rate of 13.4000 Inmet vil be charged on mnped principal antl te ull aroun of piace bas been pas. 3. PAYMENTS I will pay principal and interest by making payments each month of U.S. $ 345.82 I will make my paymentson the 1st day of each month beginning on March 1 2006 1 wil mako fee pam ovr mow unl Thar pad of pcp an re an any oer tgs described below, that I may owe under this Note. If,on February 1, 2021 T sill owe amounts under this Note, I will pay all those amounts, in full, on that date, I will make my monthly payments at 10 RESEARCH PARKWAY, WALLINGFORD, CT 06492 or at a different place if required by the Note Holder. 4. BORROWER’S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments calender ants bas not rencivod the full amount of any of tay monthly payments by te end of 10 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 10,0000 % of my overdue payment, but not less than U.S. $ 34.58 and not more than US.$ 34.58 «I will pay this late charge only once on any late payment. (B) Notice from Note Holder If I do not pay the full amount of each monthly payment on time, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date I will be in default. That date must be at least 10 days after the date on which the notice is mailed to me or, if it is not mailed, 10 days after the date on which it is delivered to me, (C) Defautt If 1 do not pay the overdue amount by the date stated in the notice described in (B) above, I will be in default. If I am in default, the Note Holder may require me to pay immediately the full amount of principal which has not been paid and all the interest that I owe on that amount. Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a Jater time. MIN- 1002610-3030051486-5 |FLORIDA - SECOND MORTGAGE - 1/80 - FNMA/FHLMC UNIFORM INSTRUMENT] Form 3910 Syr5FL) (0303) Amended 10/98 \VMP MORTGAGE FORMS - (800)821-7201 Pago tots tohtats:, wwlee wiog cyozebed (coco) (1S wr sre “ssouporqopur sit] Sutmaos ofeF oO; oI] uO pred wo9q sey DION si UO oNp xe) AreIUOWUNDOp IRIS OY, XV.L AUV.ENGWND0G ‘OL “AON Sip ul opeut sosturosd amp Jo {Te dooy O1 paresjgo osye St (2a0ge 2 UONIAS Ul paquasep se) TION] SItp JO soSsOpua 40 ‘AyoMs ‘JOWUBTENS v Jo SUCNe[GO JO SIyZU Ift JOA0 SoyE] OYM UOSIOd Auy “ION STYL ut apes sosturord Aw jo [ye dooy isntu puB siySt Aw Jo [fe OABY [IAL ION Sitp JOpUN suoNesNO 40 STYBs Aww J9A0 soyer om uossod Auy “o1ON Sip Jopun pomo siunoure aun Jo je Aed OF posnbos aq Aeu sn jo UO Aue TI suOW! 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All spaces should be completed before you sign. a (Seal) (Seal) LAURA NEWBERY -Borrower -Borrower (Seal) (Seal) ‘Borrower __ PAY TO THE ORDER OF: a SMa gs Pea ee te amour necouns —— cu By MORTGAGE LENDERS re USAING. (Sean Borrower -Borrower —gunllia fans —— exes SENIOR CLOSER (Seal) (Seal) -Bonower “Borrower (Sign Original Only] BD; 75(F Ly 40303) Page 3013 Form 3910a BALLOON NOTE ADDENDUM (Mortgage Balloon Loans) THIS LOAN IS PAYABLE IN FULL AT MATURITY. YOU MUST REPAY THE ENTIRE PRINCIPAL BALANCE OF THE LOAN AND UNPAID INTEREST THEN DUE. THE LENDER IS UNDER NO OBLIGATION TO REFINANCE THE LOAN AT THAT TIME. YOU WILL, THEREFORE, BE REQUIRED TO MAKE PAYMENT OUT OF OTHER ASSETS THAT YOU MAY OWN, OR YOU WILL HAVE TO FIND A LENDER, WHICH MAY BE THE LENDER YOU HAVE THIS LOAN WITH, WILLING TO LEND YOU THE MONEY. IF YOU REFINANCE THIS LOAN AT MATURITY, YOU MAY HAVE TO PAY SOME OR ALL OF THE CLOSING COSTS NORMALLY ASSOCIATED WITH A NEW LOAN EVEN IF YOU OBTAIN REFINANCING FROM THE SAME LENDER. » (Seal) (Seal) LAURA RY -Borrower -Borrower (Seal) (Seal) -Borrower Borrower MIN- 1002610-3030051486-5 874-4 created 11/99ALLONGE TO NOTE Date of Allonge: 2/9/2006 Note Date: 1/13/2006 Loan Amount: $30,400.00 Property Address: 3266 SAWTOOTH DRIVE TALLAHASSEE, FL 32303 In favor of: Mortgage Lenders Network, USA, Inc. And Executed by: LAURA NEWBERY _ ARIS COR! cs Pay to the order of Without recourse: By: é Name: Michele Morales Manager of Sales and Acquisitions Emax Financial Group, LLCThis endorsement is a permanent part of the Note, in the amount of $30,400.00 ALLONGE TO NOTE NOTE DATE: JANUARY 13, 2006 BORROWER NAME: LAURA NEWBERY PROPERTY: 3266 SAWTOOTH DRIVE, TALLAHASSEE, FL 32303 PAY TO THE ORDER OF: U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR RESIDENTIAL ASSET SECURITIES CORPORATION, HOME EQUITY MORTGAGE ASSET-BACKED PASS- THROUGH CERTIFICATES, SERIES 2006-EMX4 WITHOUT FASCOURSE U.S. BAN! ‘TIONAJ. ASSOCIATION, AS TRUSTEE BY ITS ATTORNEY IN FACT OCWEN LOAN SEI IG, seeen Byes fer SIGNERALLONGE TO NOTE This endorsement is a permanent part of the Note, in the amount of $30,400.00 NOTE DATE: JANUARY 13, 2006 BORROWER NAME: LAURA NEWBERY PROPERTY: 3266 SAWTOOTH DRIVE, TALLAHASSEE, FL 32303 PAY TO THE ORDER OF: RCS RECOVERY SERVICES, LLC WITHOUT RECOURSE U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR RESIDENTIAL ASSET SECU! CORPORATION, HOME EQUITY MORTGAGE ASSET-BACKED PASS- THROUG RTIFICA’ SERIES 2006-EMX4 BY ITS ATTORNEY IN FACT OCWEN LOAN ICING, LLC jfson Ayers eee SIGNER