Preview
Filing # 84089179 E—Filed 01/29/2019 04:38:19 PM
AFFIDAVIT OF NON-SERVICE
State of Florida County of Pinellas Circuit Court
Wells Fargo Bank, N.A. as Trustee for Merrill Lynch Mortgage
Investors Trust, Series MLCC 2006-1
VS.
Defendant:
Lucrecia Caldato; et al.
For:
Daniel Whitney
Shapiro, Fishman & Gache, LLP
Received by TSI LEGAL on the 2nd day of January, 2019 at 2:16 pm to be served on Lucrecia Caldato,
6219 Palma Del Mar Boulevard South, Unit 105, Saint Petersburg, FL 33715.
ALEXANDRA MIXON,
l, being duly sworn, depose and say that on the 10th day of January, 2019 at 9:00
am, I:
NON-SERVED the Summons, Form C, Form D, Notice of Lis Pendens, Verified Mortgage
Foreclosure Complaint and Exhibits for thereason that Ifailed to findLucrecia Caldato or any
information to allow further search. Read the comments below for further details.
Additional Information pertaining to this Service:
1/4/2019 7:45 am JOAN SCUDARI WAS ELDERLY AND WAS HAVING TROUBLE UNDERSTANDING.
SHE DlD STATE SHE HAS AN AID THAT WOULD HELP HER WITH THE PAPERWORK. SHE HAS BEEN
RENTING FOR A YEAR W|TH HER HUSBAND FOR ONE YEAR SHE STATED.
1/4/2019 7:52 am SUBJECT IS OWNER OF PROPERTY. DOES NOT LIVE HERE. RENTER DOES NOT
KNOW SUBJECTS ADDRESSTHIS IS NOT A MOBILE HOME.
| certify thatlam over the age of 18. have no interest in the above action, and am a Appointed Process
Sewer, ingood standing, in the judicial circuit in which the process was served, Signed under the penalties
of perjury, ldeclare that lhave read the foregoing return of service and that the facts stated in it are true;
NO NOTARY REQUIRED PURSUANT TO F.S. 92.525 (2)
ALEXANDRA’MIXON
Subscribed and Sworn to before me on the 10th day process server 59019
of January, 2019 by the affiant who is personally
known to me. TSI LEGAL
\ ‘
A BOX 173019
A
’
WM‘WL
-
_.
P.0.
£7
NOTA‘RY PUBLIC|
‘
/
'
If ',
‘ M
(
(R TAMPA, FL 33672
(81 3) 282-0074
Our Job Serial Number: TPL-2018187068
Ref: 18-31 3789_4329867
_A
State of Fxorida
Notary Public '
1 0551 05
_
Nancheangnggazam
Commissm
smmmoasssmvnc: »Process Server's Toolbox V8.0i
M (
l2023
EZp‘ues O1 /01
Pinellas County, Florida
Bob Guultieri, Sheriff
COUNTY***
***ELECTRONICALLY FILED 01/29/2019 04:38:19 PM: KEN BURKE, CLERK OF THE CIRCUIT COURT, PINELLAS
Filing # 82649533 E-Filed 12/28/2018 01:50:23 PM
IN THE CIRCUIT COURT OF THE SIXTH JUDICIAL CIRCUIT
OF FLORIDA, IN AND FOR PINELLAS COUNTY
Wells Fargo Bank, N.A. as Trustee for Merrill
Lynch Mortgage Investors Trust, Series
MLCC 2006-1
Case #2
Plaintiff,
v.
Lucrecia Caldato; et a1. CIVIL ACTION SUMMONS
IMPORTANTE (En Espafiol A1 Dorso)
IMPORTANT (Francais Au Verse)
Defendant(s).
TO THE STATE OF FLORIDA
TO EACH SHERIFF OF THE STATE: You are commanded to serve this Summons and a copy of the
Complaint, Plaintiff‘sRequest for Admissions Lis Pendens, and Certification ofNote Possession
in thislawsuit on the following named Defendant(s):
LUCRECIA CALDATO
By Serving: LUCRECIA CALDATO
621 9 PALMA DEL MAR BOULEVARD SOUTH
UNIT 105
SAINT PETERSBURG, FL 33715
DATED ON JAN 02 2019 ,
2018
Shapiro, Fishman & Gaché, LLP
Attorneys for Plaintiff
4630 Woodland Corporate Blvd., Ste 100
Tampa, FL 33614
(813) 880-8888
SFG # 18—313789
SFGTampaService@logs.com
Ken Burke @«z‘éfifica‘u‘g:
g‘
0' ”e
M
AS CLERK OF THE COURT 5%." ’30 1}
f
rm.5
.
%4
mu
KEN BURKE CLERK CIRCUIT COURT . _ . lt 1; gt! I
f
il
, g,
“x
315 Court Street i! ‘a
By: ‘1 w:
Clearwater, Pinellas County, FL 33756-5165 Deputy Clerk “‘xxmxfi"
IMPORTANT
A lawsuit has been filed against you. You have (20) calendar days after this summons isserved
on you to file a written response to the attached complaint with the clerk of this court. A phone
cal] will not protect you. Your written response, including the case number given above and the
names of the parties, must be filed if you want the court to hear your side ofthe case. If you do
not file your response on time, you may lose the case, and your wages, money, and property may
thereafter be taken without further warning from the court. There are other legal requirements.
You may want to call an attorney right away. If you do not know an attorney, you may call an
attorney referral service or a legal aid office (listed in the phone book).
If you choose to file a written response yourself, at the same time you file your written response
to the court you must also mail or take a copy of your written response to the
“Plaintiff/Plaintift’s Attorney” named below.
IMPORTANTE
Usted ha sido demandado legalmente. Tiene (20) dias, contados a partir del recibo de esta
notificacion, para contestar 1a demanda adjunta, por escrito, y presentarla ante este tribunal. Una
llamada telefonica no 10 protegera. Si usted desea que el tribunal considere su defensa, debe
presentar su respuesta por escrito, incluyendo el numero del caso y los nombres de las partes
interesadas. Si usted n0 contesta 1a demanda a tiempo, pudiese perder el caso y podria ser
despojado de sus ingresos y propiedades, o privado de sus derechos, sin previo aviso del tribunal.
Existen otros requisitos legales. Si lo desea, puede usted consultar a un abogado inmediatamente.
Sin0 conoce a un abogado, puede llamar a una de lasoficinas de asistencia legal que aparecen
en 1a guia telefonica.
Si desea responder a la demanda por su cuenta, a1 mismo tiempo en que
presenta su respuesta ante el tribunal, debera usted enviar por correo o entregar una copia de su
respuesta a 1a persona denominada abajo como “Plaintiff/Plaintiff‘s Attorney” Demandante o
Abogado del Demandante).
IMPORTANT
Des poursuites judiciares ont ete entreprises contre vous. Vous avez (20) jours consecu-tifs a
partir de la date de l’assignation of cette citation pour deposer une response ecrite a la plainte ci-
jointe aupres dc ce tribunal. Un simple coup de telephone est insuffisant pour vous proteger.
Vous etes obliges de deposer votre reponse ecrite, avec mention du numero de dossier ci-dessus
et du nom des parties nommees ici,si vous souhaitez que 1etribunal entende votre cause. Si vous
ne deposez pas votre reponse ecrite dans le relai requis, vous risquez de perdre la cause ainsi que
votre salaire, votre argent, et vos biens peuvent etre saisis par la suite, sans aucun preavis
ulterieur du tribunal. Il y a d’autres obligations jurediques et vous pouvez requerir les services
immediats d’un avocet. Si vous ne connaissez pas d’avocat, vous pourriez telephoner a un
service de reference d’advocats ou a un bureau d’assistance juridique (figurant a l’annuaire de
telephones).
Si vous choisissez de deposer vous-meme une reponse ecrite, i1 vous faudra egale-ment, en
meme temps que cette formalite, faire parvenir ou expedier une copie de votre response ecrite au
“Plaintiff/Plaintiff’s Attorney (Plaignant ou a son avocat) nomme ci-dessous.
ANY PERSON WITH A DISABILITY REQUIRING REASONABLE
ACCOMMODATIONS SHOULD CALL (813) 464-4062 (V/TDD), NO
LATER THAN SEVEN (7) DAYS PRIOR TO ANY PROCEEDING.
FORM C
IMPORTANT NOTICE FROM THE COURT TO
HOMEOWNER REGARDING YOUR PROPERTY
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
Ifyou want to paflicipate 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 t0 file with the Court a response to the lawsuit in a
timely manner as directed in the Summons even if you request mediation.
Mediation isa meeting at which you and the plaintiff (your lender) can try t0 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.
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 title0f the property t0 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 rightsand your property. You should find a lawyer
even ifyou ask for mediation or other services. Contact one of these Lawyer Referral Services:
Pasco County Florida Bar Lawyer Referral (800) 342-8011 www.flabarorg
www.clwbarmg
W
N. Pinellas County Clearwater Bar Association (727) 461-4880
S. Pinellas County St.Petersburg Bar Association (727) 821-5450 www.stpetebar.com
If you cannot afford a lawyer, you may contact your local legal aid 0r legal services provider:
S. Pinellas County
E. Pasco County Bay Area Legal Svcs. (800) 625-2257
W. Pasco County
N. Pinellas County Gulf Coast Legal Svcs. (727) 443—0657 www.gulfcoastlegal.org
S. Pinellas County (727) 821—0726
S. Pinellas County Community Law Prog. (727) 582—7480 www. 1awproqram org
.
II. FINANCIAL COUNSELING
In addition,you may wish to contact a Financial Counseling agency.
Catholic Charities Diocese (727) 893-1313 http://home.catholicweb.com/ccdosp/
CredAbility (800) 251-2227 www.cccsfl.org
www.makin2h0meaftbrdable.gov;
Homeowners Hope Hotline (888) 995—4673
www.995hope.org; www.hopenow.com
Housing & Education Alliance (813) 932-4663 www.myhomeamericaorg
Solita’sHouse, Inc. (813) 425—4847 www.solitashouse.00m
Neighborhood Home Solutions (727) 821-6897 www.stpetenhs.org
Tampa Bay Community Development Corp. (727) 446-6222 www.tampabavcdcoLg
Community Serv. Found, Inc. (727) 461—0618 www.csfhomeorg
III.OTHER RESOURCES
2-1-1 Tampa Bay Cares, Inc. 211 www.2 1ltampabayong
Clearwater Neighborhood Housing Svcs. (727) 442—41 55 www.cnhs.biz
(727) 464—82 1 0
Pinellas County Community Dev. Dep’t www.pinellascounty.01;q/communitv
(800) 806*5154
Dep’t Housing & Urban Dev. (HUD) (800) 225—5342 www.fllagov
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 0f a foreclosure scam, you
may callone ofthe following numbers for assistance:
Florida Dep’t of Fin. Svcs. (877) 693—5236 www.myfloridacfo.com
Federal Trade Commission (877) 382-4357 www.fic.gov/bcp/consu1nenshtm
Office of the Attorney General (866) 966-7226 www.myfloridalegal.com/
Consumer Svcs. Div. of Fla. Dep’t ongric. (800) 435-7352 www.doacs.state.fl.us/
Pinellas County Justice & Consumer Svcs. (727) 464—6200 www.pinel1ascountvorg/consumer/
In the Circuit Civil for the 6th Judicial Circuit
In and For Pinellas, Florida
A NOTICE FROM THE COURT REGARDING LAWSUITS TO FORECLOSE
MORTGAGES ON HOMES
If you are being sued to foreclose the mortgage on your primary home and your home has a
homestead exemption and if you are the person who borrowed the money for the mortgage, you
have a right t0 go to “mediation.” At “mediation,” you will meet with a Florida Supreme Court
certified mediator appointed by the court and also a representative 0f the company asking to
foreclose your mortgage to see if you and the company suing you can work out an agreement t0
stop the foreclosure. The mediator will not be allowed to give you legal advice 0r t0 give you
an opinion about the lawsuit. The mediator’s job isto remain neutral and not take sides, but to
give both sides a chance to talk t0 each other to see ifan agreement can be reached to stop the
foreclosure. If you and the company suing you come to an agreement, a settlement agreement
will be written up and signed by you and the company suing you. With some limited exceptions,
what each side says at the mediation isconfidential and the judge will not know what was said at
mediation.
You will not have to pay anything to participate in this mediation program. T0 participate
in mediation, as soon as practical, you must contact between 9:00 a.m. and 5:00 p.m., Monday
through Friday.
To participate in mediation, you must also provide financial information to the mediator and
meet with an approved foreclosure counselor prior to mediation. You will not be charged any
additional amount for meeting with a foreclosure counselor. You may also request certain
information from the company suing you before going to mediation.
will explain more about the mediation program to you when you call.
If you have attended mediation arranged by prior to being served With this lawsuit, and if
mediation did not result in a settlement, you may file a motion asking the court to send the case
to mediation again if your financial circumstances have changed since the first mediation.
AS STATED IN THE SUMMONS SERVED ON YOU, YOU OR YOUR LAWYER MUST
FILE WITH THE COURT A WRITTEN RESPONSE TO THE COMPLAINT OF
FORECLOSURE THE MORTGAGE WITHIN TWENTY (20) DAYS AFTER YOU
WERE SERVED. YOU OR YOUR LAWYER MUST ALSO SEND A COPY OF YOUR
WRITTEN RESPONSE TO THE PLAINTIFF’S ATTORNEY. YOU MUST TIMELY
FILE A WRITTEN RESPONSE TO THE COMPLAINT EVEN IF YOU DECIDE TO
PARTICIPATE IN MEDIATION.
Preview
Filing # 84089179 E—Filed 01/29/2019 04:38:19 PM AFFIDAVIT OF NON-SERVICE State of Florida County of Pinellas Circuit Court Wells Fargo Bank, N.A. as Trustee for Merrill Lynch Mortgage Investors Trust, Series MLCC 2006-1 VS. Defendant: Lucrecia Caldato; et al. For: Daniel Whitney Shapiro, Fishman & Gache, LLP Received by TSI LEGAL on the 2nd day of January, 2019 at 2:16 pm to be served on Lucrecia Caldato, 6219 Palma Del Mar Boulevard South, Unit 105, Saint Petersburg, FL 33715. ALEXANDRA MIXON, l, being duly sworn, depose and say that on the 10th day of January, 2019 at 9:00 am, I: NON-SERVED the Summons, Form C, Form D, Notice of Lis Pendens, Verified Mortgage Foreclosure Complaint and Exhibits for thereason that Ifailed to findLucrecia Caldato or any information to allow further search. Read the comments below for further details. Additional Information pertaining to this Service: 1/4/2019 7:45 am JOAN SCUDARI WAS ELDERLY AND WAS HAVING TROUBLE UNDERSTANDING. SHE DlD STATE SHE HAS AN AID THAT WOULD HELP HER WITH THE PAPERWORK. SHE HAS BEEN RENTING FOR A YEAR W|TH HER HUSBAND FOR ONE YEAR SHE STATED. 1/4/2019 7:52 am SUBJECT IS OWNER OF PROPERTY. DOES NOT LIVE HERE. RENTER DOES NOT KNOW SUBJECTS ADDRESSTHIS IS NOT A MOBILE HOME. | certify thatlam over the age of 18. have no interest in the above action, and am a Appointed Process Sewer, ingood standing, in the judicial circuit in which the process was served, Signed under the penalties of perjury, ldeclare that lhave read the foregoing return of service and that the facts stated in it are true; NO NOTARY REQUIRED PURSUANT TO F.S. 92.525 (2) ALEXANDRA’MIXON Subscribed and Sworn to before me on the 10th day process server 59019 of January, 2019 by the affiant who is personally known to me. TSI LEGAL \ ‘ A BOX 173019 A ’ WM‘WL - _. P.0. £7 NOTA‘RY PUBLIC| ‘ / ' If ', ‘ M ( (R TAMPA, FL 33672 (81 3) 282-0074 Our Job Serial Number: TPL-2018187068 Ref: 18-31 3789_4329867 _A State of Fxorida Notary Public ' 1 0551 05 _ Nancheangnggazam Commissm smmmoasssmvnc: »Process Server's Toolbox V8.0i M ( l2023 EZp‘ues O1 /01 Pinellas County, Florida Bob Guultieri, Sheriff COUNTY*** ***ELECTRONICALLY FILED 01/29/2019 04:38:19 PM: KEN BURKE, CLERK OF THE CIRCUIT COURT, PINELLAS Filing # 82649533 E-Filed 12/28/2018 01:50:23 PM IN THE CIRCUIT COURT OF THE SIXTH JUDICIAL CIRCUIT OF FLORIDA, IN AND FOR PINELLAS COUNTY Wells Fargo Bank, N.A. as Trustee for Merrill Lynch Mortgage Investors Trust, Series MLCC 2006-1 Case #2 Plaintiff, v. Lucrecia Caldato; et a1. CIVIL ACTION SUMMONS IMPORTANTE (En Espafiol A1 Dorso) IMPORTANT (Francais Au Verse) Defendant(s). TO THE STATE OF FLORIDA TO EACH SHERIFF OF THE STATE: You are commanded to serve this Summons and a copy of the Complaint, Plaintiff‘sRequest for Admissions Lis Pendens, and Certification ofNote Possession in thislawsuit on the following named Defendant(s): LUCRECIA CALDATO By Serving: LUCRECIA CALDATO 621 9 PALMA DEL MAR BOULEVARD SOUTH UNIT 105 SAINT PETERSBURG, FL 33715 DATED ON JAN 02 2019 , 2018 Shapiro, Fishman & Gaché, LLP Attorneys for Plaintiff 4630 Woodland Corporate Blvd., Ste 100 Tampa, FL 33614 (813) 880-8888 SFG # 18—313789 SFGTampaService@logs.com Ken Burke @«z‘éfifica‘u‘g: g‘ 0' ”e M AS CLERK OF THE COURT 5%." ’30 1} f rm.5 . %4 mu KEN BURKE CLERK CIRCUIT COURT . _ . lt 1; gt! I f il , g, “x 315 Court Street i! ‘a By: ‘1 w: Clearwater, Pinellas County, FL 33756-5165 Deputy Clerk “‘xxmxfi" IMPORTANT A lawsuit has been filed against you. You have (20) calendar days after this summons isserved on you to file a written response to the attached complaint with the clerk of this court. A phone cal] will not protect you. Your written response, including the case number given above and the names of the parties, must be filed if you want the court to hear your side ofthe case. If you do not file your response on time, you may lose the case, and your wages, money, and property may thereafter be taken without further warning from the court. There are other legal requirements. You may want to call an attorney right away. If you do not know an attorney, you may call an attorney referral service or a legal aid office (listed in the phone book). If you choose to file a written response yourself, at the same time you file your written response to the court you must also mail or take a copy of your written response to the “Plaintiff/Plaintift’s Attorney” named below. IMPORTANTE Usted ha sido demandado legalmente. Tiene (20) dias, contados a partir del recibo de esta notificacion, para contestar 1a demanda adjunta, por escrito, y presentarla ante este tribunal. Una llamada telefonica no 10 protegera. Si usted desea que el tribunal considere su defensa, debe presentar su respuesta por escrito, incluyendo el numero del caso y los nombres de las partes interesadas. Si usted n0 contesta 1a demanda a tiempo, pudiese perder el caso y podria ser despojado de sus ingresos y propiedades, o privado de sus derechos, sin previo aviso del tribunal. Existen otros requisitos legales. Si lo desea, puede usted consultar a un abogado inmediatamente. Sin0 conoce a un abogado, puede llamar a una de lasoficinas de asistencia legal que aparecen en 1a guia telefonica. Si desea responder a la demanda por su cuenta, a1 mismo tiempo en que presenta su respuesta ante el tribunal, debera usted enviar por correo o entregar una copia de su respuesta a 1a persona denominada abajo como “Plaintiff/Plaintiff‘s Attorney” Demandante o Abogado del Demandante). IMPORTANT Des poursuites judiciares ont ete entreprises contre vous. Vous avez (20) jours consecu-tifs a partir de la date de l’assignation of cette citation pour deposer une response ecrite a la plainte ci- jointe aupres dc ce tribunal. Un simple coup de telephone est insuffisant pour vous proteger. Vous etes obliges de deposer votre reponse ecrite, avec mention du numero de dossier ci-dessus et du nom des parties nommees ici,si vous souhaitez que 1etribunal entende votre cause. Si vous ne deposez pas votre reponse ecrite dans le relai requis, vous risquez de perdre la cause ainsi que votre salaire, votre argent, et vos biens peuvent etre saisis par la suite, sans aucun preavis ulterieur du tribunal. Il y a d’autres obligations jurediques et vous pouvez requerir les services immediats d’un avocet. Si vous ne connaissez pas d’avocat, vous pourriez telephoner a un service de reference d’advocats ou a un bureau d’assistance juridique (figurant a l’annuaire de telephones). Si vous choisissez de deposer vous-meme une reponse ecrite, i1 vous faudra egale-ment, en meme temps que cette formalite, faire parvenir ou expedier une copie de votre response ecrite au “Plaintiff/Plaintiff’s Attorney (Plaignant ou a son avocat) nomme ci-dessous. ANY PERSON WITH A DISABILITY REQUIRING REASONABLE ACCOMMODATIONS SHOULD CALL (813) 464-4062 (V/TDD), NO LATER THAN SEVEN (7) DAYS PRIOR TO ANY PROCEEDING. FORM C IMPORTANT NOTICE FROM THE COURT TO HOMEOWNER REGARDING YOUR PROPERTY 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 Ifyou want to paflicipate 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 t0 file with the Court a response to the lawsuit in a timely manner as directed in the Summons even if you request mediation. Mediation isa meeting at which you and the plaintiff (your lender) can try t0 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. 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 title0f the property t0 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 rightsand your property. You should find a lawyer even ifyou ask for mediation or other services. Contact one of these Lawyer Referral Services: Pasco County Florida Bar Lawyer Referral (800) 342-8011 www.flabarorg www.clwbarmg W N. Pinellas County Clearwater Bar Association (727) 461-4880 S. Pinellas County St.Petersburg Bar Association (727) 821-5450 www.stpetebar.com If you cannot afford a lawyer, you may contact your local legal aid 0r legal services provider: S. Pinellas County E. Pasco County Bay Area Legal Svcs. (800) 625-2257 W. Pasco County N. Pinellas County Gulf Coast Legal Svcs. (727) 443—0657 www.gulfcoastlegal.org S. Pinellas County (727) 821—0726 S. Pinellas County Community Law Prog. (727) 582—7480 www. 1awproqram org . II. FINANCIAL COUNSELING In addition,you may wish to contact a Financial Counseling agency. Catholic Charities Diocese (727) 893-1313 http://home.catholicweb.com/ccdosp/ CredAbility (800) 251-2227 www.cccsfl.org www.makin2h0meaftbrdable.gov; Homeowners Hope Hotline (888) 995—4673 www.995hope.org; www.hopenow.com Housing & Education Alliance (813) 932-4663 www.myhomeamericaorg Solita’sHouse, Inc. (813) 425—4847 www.solitashouse.00m Neighborhood Home Solutions (727) 821-6897 www.stpetenhs.org Tampa Bay Community Development Corp. (727) 446-6222 www.tampabavcdcoLg Community Serv. Found, Inc. (727) 461—0618 www.csfhomeorg III.OTHER RESOURCES 2-1-1 Tampa Bay Cares, Inc. 211 www.2 1ltampabayong Clearwater Neighborhood Housing Svcs. (727) 442—41 55 www.cnhs.biz (727) 464—82 1 0 Pinellas County Community Dev. Dep’t www.pinellascounty.01;q/communitv (800) 806*5154 Dep’t Housing & Urban Dev. (HUD) (800) 225—5342 www.fllagov 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 0f a foreclosure scam, you may callone ofthe following numbers for assistance: Florida Dep’t of Fin. Svcs. (877) 693—5236 www.myfloridacfo.com Federal Trade Commission (877) 382-4357 www.fic.gov/bcp/consu1nenshtm Office of the Attorney General (866) 966-7226 www.myfloridalegal.com/ Consumer Svcs. Div. of Fla. Dep’t ongric. (800) 435-7352 www.doacs.state.fl.us/ Pinellas County Justice & Consumer Svcs. (727) 464—6200 www.pinel1ascountvorg/consumer/ In the Circuit Civil for the 6th Judicial Circuit In and For Pinellas, Florida A NOTICE FROM THE COURT REGARDING LAWSUITS TO FORECLOSE MORTGAGES ON HOMES If you are being sued to foreclose the mortgage on your primary home and your home has a homestead exemption and if you are the person who borrowed the money for the mortgage, you have a right t0 go to “mediation.” At “mediation,” you will meet with a Florida Supreme Court certified mediator appointed by the court and also a representative 0f the company asking to foreclose your mortgage to see if you and the company suing you can work out an agreement t0 stop the foreclosure. The mediator will not be allowed to give you legal advice 0r t0 give you an opinion about the lawsuit. The mediator’s job isto remain neutral and not take sides, but to give both sides a chance to talk t0 each other to see ifan agreement can be reached to stop the foreclosure. If you and the company suing you come to an agreement, a settlement agreement will be written up and signed by you and the company suing you. With some limited exceptions, what each side says at the mediation isconfidential and the judge will not know what was said at mediation. You will not have to pay anything to participate in this mediation program. T0 participate in mediation, as soon as practical, you must contact between 9:00 a.m. and 5:00 p.m., Monday through Friday. To participate in mediation, you must also provide financial information to the mediator and meet with an approved foreclosure counselor prior to mediation. You will not be charged any additional amount for meeting with a foreclosure counselor. You may also request certain information from the company suing you before going to mediation. will explain more about the mediation program to you when you call. If you have attended mediation arranged by prior to being served With this lawsuit, and if mediation did not result in a settlement, you may file a motion asking the court to send the case to mediation again if your financial circumstances have changed since the first mediation. AS STATED IN THE SUMMONS SERVED ON YOU, YOU OR YOUR LAWYER MUST FILE WITH THE COURT A WRITTEN RESPONSE TO THE COMPLAINT OF FORECLOSURE THE MORTGAGE WITHIN TWENTY (20) DAYS AFTER YOU WERE SERVED. YOU OR YOUR LAWYER MUST ALSO SEND A COPY OF YOUR WRITTEN RESPONSE TO THE PLAINTIFF’S ATTORNEY. YOU MUST TIMELY FILE A WRITTEN RESPONSE TO THE COMPLAINT EVEN IF YOU DECIDE TO PARTICIPATE IN MEDIATION.