On December 30, 2016 a
Party Notice
was filed
involving a dispute between
Wells Fargo Bank Na  For Irwin Whole Loan Home Equity Trust 2004 A,
and
Heckathorn, Jay E,
Heckathorn, Theresa C,
for REAL PROP - HOMESTEAD RES FORECLOSURE1 $0 - $50,000
in the District Court of Pinellas County.
Preview
Case Number: 17-000009-CI
Filing # 50659608 E-Filed 12/30/2016 07:27:55 PM
IN THE CIRCUIT COURT FOR THE SIXTH JUDICIAL CIRCUIT
IN AND FOR PASCO/PINELLAS COUNTY, FLORIDA
CIVIL DIVISION
WELLS FARGO BANK, N.A. FOR IRWIN REF#:
WHOLE LOAN HOME EQUITY TRUST 2004-
A, UCN:
Plaintiff(s),
vs.
JAY E. HECKATHORN; 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:
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.
Page 1 of 4
***ELECTRONICALLY FILED 12/30/2016 07:27:53 PM: KEN BURKE, CLERK OF THE CIRCUIT COURT, PINELLAS COUNTY***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
J. 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.flabar.org
N. Pinellas County _| Clearwater Bar Association | (727) 461-4880 www.clwbat.org,
S. Pinellas County | St. Petersburg Bar (727) 821-5450 www.stpetebar.com
Association
If you cannot afford a lawyer, you may contact your local legal aid or legal services provider:
S. Pinellas County Bay Area Legal (800) 625-2257 www.bals.org
E. Pasco County Services
W. Pasco County
N. Pinellas County Gulf Coast Legal (727) 443-0657 www.gulfcoastlegal.org
S. Pinellas County Services (727) 821-0726
S. Pinellas County Community Law (727) 582-7480 www. lawprogram.org
Program
Il. FINANCIAL COUNSELING
In addition, you may wish to contact a Financial Counseling agency.
Catholic Charities Diocese (727) 893-1313 www.ccdosp.org,
CredAbility (800) 251-2227 www.ccesfl.org
www.inakinghomeaffordable.gov
Homeowners Hope Hotline (888) 995-4673 www.99Shope.org
www.hopenow.com
Page 2 of 4Housing & Education Alliance (813) 932-4663 www.myhomeamerica.org
Solita’s House, Inc. (813) 425-4847 www.solitashouse.com
Neighborhood Home Solutions (727) 821-6897 www.stpetenhs.org
Tampa Bay Community Development (727) 446-6222 www.tampabayedc.org
Corporation
Community Service Foundation, Inc. (727) 461-0618 www.csfhome.org.
IH. OTHER RESOURCES
2-1-1 Tampa Bay Cares, Inc. 211 www.211tampabay.org
Clearwater Neighborhood Housing (727) 442-4155 www.cnhs.biz
Services
Pinellas County Community Development | (727) 464-8210 www. pinellascounty.org/community
Dept. (800) 806-5154
Department of Housing & Urban (800) 225-5342 www. fha.gov
Development. (HUD)
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.myfloridacfo.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 | (800) 435-7352 http://www. freshfromflorida.com/
Services
Pinellas County Justice & Consumer (727) 464-6200 www. pinellascounty.org/consumer/
Services
Page 3 of 4
Document Filed Date
December 30, 2016
Case Filing Date
December 30, 2016
Category
REAL PROP - HOMESTEAD RES FORECLOSURE1 $0 - $50,000
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Case Number: 17-000009-CI Filing # 50659608 E-Filed 12/30/2016 07:27:55 PM IN THE CIRCUIT COURT FOR THE SIXTH JUDICIAL CIRCUIT IN AND FOR PASCO/PINELLAS COUNTY, FLORIDA CIVIL DIVISION WELLS FARGO BANK, N.A. FOR IRWIN REF#: WHOLE LOAN HOME EQUITY TRUST 2004- A, UCN: Plaintiff(s), vs. JAY E. HECKATHORN; 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: 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. Page 1 of 4 ***ELECTRONICALLY FILED 12/30/2016 07:27:53 PM: KEN BURKE, CLERK OF THE CIRCUIT COURT, PINELLAS COUNTY***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 J. 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.flabar.org N. Pinellas County _| Clearwater Bar Association | (727) 461-4880 www.clwbat.org, S. Pinellas County | St. Petersburg Bar (727) 821-5450 www.stpetebar.com Association If you cannot afford a lawyer, you may contact your local legal aid or legal services provider: S. Pinellas County Bay Area Legal (800) 625-2257 www.bals.org E. Pasco County Services W. Pasco County N. Pinellas County Gulf Coast Legal (727) 443-0657 www.gulfcoastlegal.org S. Pinellas County Services (727) 821-0726 S. Pinellas County Community Law (727) 582-7480 www. lawprogram.org Program Il. FINANCIAL COUNSELING In addition, you may wish to contact a Financial Counseling agency. Catholic Charities Diocese (727) 893-1313 www.ccdosp.org, CredAbility (800) 251-2227 www.ccesfl.org www.inakinghomeaffordable.gov Homeowners Hope Hotline (888) 995-4673 www.99Shope.org www.hopenow.com Page 2 of 4Housing & Education Alliance (813) 932-4663 www.myhomeamerica.org Solita’s House, Inc. (813) 425-4847 www.solitashouse.com Neighborhood Home Solutions (727) 821-6897 www.stpetenhs.org Tampa Bay Community Development (727) 446-6222 www.tampabayedc.org Corporation Community Service Foundation, Inc. (727) 461-0618 www.csfhome.org. IH. OTHER RESOURCES 2-1-1 Tampa Bay Cares, Inc. 211 www.211tampabay.org Clearwater Neighborhood Housing (727) 442-4155 www.cnhs.biz Services Pinellas County Community Development | (727) 464-8210 www. pinellascounty.org/community Dept. (800) 806-5154 Department of Housing & Urban (800) 225-5342 www. fha.gov Development. (HUD) 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.myfloridacfo.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 | (800) 435-7352 http://www. freshfromflorida.com/ Services Pinellas County Justice & Consumer (727) 464-6200 www. pinellascounty.org/consumer/ Services Page 3 of 4