chase v mason exhibits 1-4

8/6/2019 Chase v Mason Exhibits 1-4

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Exhibit 1


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Joshua DenbeauxDenbeaux &Denbeaux366 Kinderkamack RoadWestwood, New Jersey 07675(201) 664-8855/ Fax: (201) 666-8589Attorneys for DefendantsJ'~~~I ~~ , tt UI, , 1 11 '_'f'" -:: :1 CHASE HOME FINANCE, LLC, 1: :1 Plaintiff, ~I Vs. i! KEVIN 1.MASON, et als., !~ ~I Defendants. i: :: L :....................................................... + .

SUPERIOR COURT OF NEW JERSEYCHANCERY DIVISION: ESSEX COUNTYDOCKET NO.: F-57750-10A Civil ActionCertification of Mary Mason

I, Mary Mason, of full age, hereby certify as follows:1. I am a defendant inthis action. I reside at the property in foreclosure, along with myhusband and my aged and ailing mother, for whom I am the care provider.

2. I have never been involved in the Court system before. I always pay my bills on time,and I have never had a foreclosure action commenced against me.

3. My husband and I have been absolutely terrified ever since we got the first notice that wewere indefault and that the bank was going to foreclose on our house.

4. We have been inthe house for over 10 years, and we have always paid our mortgagepayment on time - except for the possible exception of two occasions where I think I wasa few days late and had to pay a late charge.

5. Inour household, I am the person responsible for maintaining the family finances andpaying the bills. I have paid the mortgage on time, as explained above, and I havealways, ever since we got the loan, paid the taxes and insurance separately from themonthly mortgage payment.

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6. We never had any problems until Chase purchased our note. As soon as Chase purchasedour loan, we started getting notices that we had not paid our taxes and that we seretherefore in default under the terms of the mortgage. This was never true, and I spenthours and hours on the phone with the callers from Chase, explaining that the taxes hadbeen paid, but it did not work.

7. I could not understand how I could explain to them that the taxes were paid, that I hadreceipts from the town and cancelled checks, and that the citytax clerk's records showedno taxes due, and still the bank representatives claimed that we were indefault for notpaying our taxes or insurance. I spent hours, and hours, and hours, and hours, and hours,and hours and then more hours on the phone with Chase.

8. They called us CONSTANTLY. During the day, at night, while we ate dinner, while wetried to relax on a Saturday morning, THEY CALLED US ALL THE TIME. I tried forso long, and so hard, to convince them that we had paid the taxes but they never believedme or they told me they would :fix it, but then the next Chase representative would call afew minutes later and the process would start over again.

9. They often told me I had to document something, and I would go and get the documentsand call them back, but it never worked. We were frantic with anxiety.

10. They talked about something called an escrow account, but there was no escrow account.I did not know what an escrow account was inconnection with a mortgage loan, but myattorneys have explained it to me.

11. What it means is really quite irrelevant since I paid all the taxes and insurance on time. Ican prove that, as I have done to the plaintiff by the Notice of Frivolous Litigation my

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attorney sent, and also by the Fair Credit Reporting Act Notices I have sent to the CreditReporting Agencies and also, by copy, to the plaintiff through its attorney.

12. It is difficult to explain to this Court the pain that this has caused to me and to my family.13. We are not lawyers, and we have no experience with the Court system.14. My mother, who is very elderly and ill, is inmy care. I lost many nights of sleepworrying about what would happen to my mother and to us if the bank threw us out onthe street. I really believed that there was nothing we could do.

15. Our first attorney we hired wrote a letter to the Bank, explaining that we were current andthat there was a mistake, When the bank ignored him, we thought that all was lost, eventhough we knew that we were right.

16. I think he spoke to the bank at least once, because he told me that it seemed as thoughChase had made an error when they purchased the note and mortgage on our home. Welive in Orange, New Jersey, and he seemed to think from what was told to him thatmaybe Chase had put our house inas Orange, California, a much more well-knownOrange. I have no idea what the problem is, but I do know that the problem belongs toChase because none of the other banks who owned our note and mortgage ever made anymistakes with the loan.

17. I don't know ifthe Court knows how awful and humbling it feels to feel like you are rightbut that the system does not care, and that because of it you will lose your home, andperhaps your mother will die inthe street, or insome stranger's home.

18. Those were, truly, my worries that kept me up at night and caused my husband and me toworry all day and to get sick. My husband and I became very depressed. It was an awfultwo years of fighting with this horrible bank.

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19. My current attorney, who we hired when the bank fmally filed foreclosure complaintagainst us, reviewed our documents, and spent many hours meeting with us, reviewingour proof of payment of taxes and insurance, talking to the City Tax Assessor's Office,and comparing the payment schedule from the insurance company against our proofs ofpayments.

20. Eventually he told us that he would be able to alert the bank to the problem by notifyingthem, through the Answer to the Complaint, that the complaint was filed in error. Wefiled the Answer, and told the plaintiff and its attorney that the matter was a mistake,explained the mistake, and told them we would do whatever was necessary to prove thatthe entire pleading was wrong.

2L The plaintiff ignored the first notice that my attorney included inthe Answer, ignored thecopy of the Fair Credit Reporting Act, ignored the Second Notice of Intent to Forecloseand refused to provide the documents my attorney asked they produce, which productionwould have proved, even to the plaintiff, that they were wrong to threaten us withforeclosure and wrong to ruinour lives for the last two years.

22. None of that happened, and we are now in litigation to save our home that has never beenthreatened.

23. Even after the bank refused our monthly payments, we kept paying the taxes, we keptpaying the insurance, and we kept paying the bank the monthly mortgage payments. Thebank started refusing them some months ago, and whenever they returned the money, wedeposited it into our savings account. We have every penny of payments that the bankreturned to us this past year.

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Joshua DenbeauxDenbeaux &Denbeaux366 Kinderkamack RoadWestwood, New Jersey 07675(201) 664-8855 / Fax: (201) 666-8589Attorneys for Defendantsf P ~ . ~ . . .. . .. . . .. . . .. . .. . . .. . . .. . . . t "''' 1 :; CHASE HOME FINANCE, LLC, 1! ::: :: :: Plaintiff, :: :: :: :1 Vs. i: !~ !~ KEVIN L~MASON, et als., ~: :; ~~ Defendants. ~: :t 4 ~ i

SUPERIOR COURT OF NEW JERSEYC.HANCERY DIVISION: ESSEX COUNTYDOCKET NO.: F-57750-10A Civil ActionCERTIFICATION OF JOSHUA W.DENBEAUX PURSUANT TO R. 1:4-4(c)

I, Joshua W. Denbeaux, offull age, hereby certify as follows:1. I am a partner in the law firm of Denbeaux &Denbeaux and am the attorney

assigned to represent deferidants in tins matter.2. I certify that the faxed signature on the enclosed Certification of Mary Mason in

support of the Motion to Dismiss and for an award of Counsel Fees is genuine. The originalsignature will be filed with the Clerk if requested by tile Courtor

I certify the foregoing statements are true. If ~yarebe subject to punishment.

Dated: June 22, 2011


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Exhibit 2


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PHELAN HALLINAN & SCHMIEG, PC400 Fel low sh ip RoadS ui te ]0 0M t. L au re l, N J 0 80 54(B56) 813-5500A tto rn e s f or P la in ti ff

VS.KEVlN L.MASON , ET AL.DEFENDANT (S)

S UP ER IO R COURT O F NEW JERSEYCHANCERY DIVISIONESSEXDOCKE T NO: F 057750 10C IV lL ACTIONSUMMONS

CHASE HOM E FINANCE LLCPLAlNTIFF

F rom T he S ta te o f N ew Jersey T o T he D ef en dan tis) N am ed A bo ve:T he p la in ti ff , n am e d a bo ve . ha s f ile d a law su it ag ain st y ou in th e S up eri or C ou rt o f N ew Jersey . T hecomp la in t atta ch ed to th is summ on s state s th e b asis f or th is la wsu it. If y ou d isp ute th is comp lai nt, y ou o ry ou r a tto rn ey mu st f ile a w ritte n an sw er o r m otio n an d p ro of o f serv ice w ith th e d ep uty cle rk o f th e S up eri orCourt in th e co un ty liste d ab ov e w ith in 3 5 d ay s f ro m th e d ate y ou rece iv ed th is summ on s, n ot c ou ntin g th ed ate you r ec ei ve d it. (T he a dd re ss o f e nc h d ep uty c le rk o f th e S up er io r C ou rt i s p ro vi de d.) Ifth e c omp la in t i son e in foreclosure, then you m ust file your w ritten answ er or m otion and proof of service w ith the C lerk ofth e S up eri or C ou rt, H ug hes Ju stic e C om plex , P .O . B ox 9 71 , T re nto n, NJ 0 86 25 -0 97 1. A f ili ng f ee p ay ab leto the T reasurer, S tate of N ew Jersey and a com pleted C ase Inform ation S tatem ent (available from th edepu ty clerk of the S uperior C ourt) m ust acco mpan y your answ er or m otion w hen its f iled. Y ou m ust alsosend a copy of your answ er or m otion to plaintiffs attorney w hose nam e and address appear above, or top la in ti ff , i f n o a tto rn ey is n am e d a bo ve . A te le ph on e c all will n ot p ro te ct y ou r r ig hts ; y ou mu st f ile a nd s er vea w ri tten an sw er o r m oti on (w ith f ee o f $ 13 5.0 0 a nd c om plete d C ase Information Statement) if y ou w an t th ec ou rt to h ea r y ou r d ef en se .If you do not file and serve n w ritten answer or motion w ithin 35 days, the court m ay enter aju dgm en t a ga in st y ou f or th e r eli ef p la in ti ff d em a nd s. p lu s i nte re sts a nd c osts o f s ui t. Ifju dgm en t i s e nte re dag ain st y ou , th e S heri ff m ay seiz e y ou r m on ey , w ag es o r p ro perty to p ay all o r p art of the judgmentIf y ou c an no t a ff or d to pay an attorney , you m ny call a L eg al S erv ice s o ff ic e i n th e co un ty w herey ou li ve o r th e L eg al S er vi ce s o f N ew Je rs ey S ta tew id e H otli ne a t ]~ 88 8-LSNJ -LA W (1 .-8 88 -5 76 -5 52 9). Ali st o f th es e o ff ic es i s p ro vi de d. Ify ou d o n ot h av e n n a tto rn ey an d are n ot e li gib le f or f re e le gal assista nce,you m ay obtain a referral to an attorney by calling one of the Law yer R eferral Services. A list o f th esenumber s i s a ls o p ro vi de d.

D a te d: D e cembe r 28, 2010 Jennifer M. PerezJennifer M. Per ez , A c ti ng C le rkS up er io r C ou rt o f N ew J er se yMRS. KEV JN L. MASON , HIS 'NIFE217 N ORTH CEN TER S TR EE TORANGE , N J 0 70 50 -2 85 4


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Lawyer Services/ Lawyer ReferralA tlantic County Newark, N J 07102 2 79 B ro adw ay , S ui te 3 00Lega l Se rv i ce s (9 73 ) 8 24 -3 00 0 OR Lon g B ru nc h, N J 0 77 402 6 S . P en ns ylv an ia A v e. (973) 624-4500 (732) 222-3338S uite 1 00 , l" F lo orA tla nti c C i ty , NT 08401 G louce st er County M an is C ou nty(609) 348-4200 Legal Services Legal Se rv i ce s4 7 N ew to n A ven ue 30 Schuyle r P la ceBergen C ounty W oodbury, N J 08096 CN-900Legal Services (856) 848-5350 Mo rr is town, N J 079636 1 K an sa s S tr ee t ( 973 ) 285-6911Hackensack, N J 0 7601 Hudson County(201) 487-2166 Legal Se rv i ce s O c ea n Coun ty574 Summ it A venue Legal ServicesBurlington County Jersey City, NJ 07306 Tom s R iv er O f fi ceLegal Services (201) 792-6363 599 R oute 37 W est, 2 nd Floor1 07 H i gh S tr ee t T om s R iv er, N J 0 87 55Moun t H o lly , N J 0 80 60 Hunt er don Coun ty(609 ) 26 ]- 1088 Legal Se rv i ce s P as sa ic Coun ty82 Park Avenue Legal S ervicesCamden C ounty Flem ington, NJ08822 152 Ma rk et S tr ee tLegal Services (908) 782-7979 Pa te rs on , N J 075057 45 Ma rk et S tr ee t ( 973 ) 523 -2900Camden, NJ 08102 Mercer County(856) 964-2010 Legal Services Somerset CountyOR 1-800-4964570 1 98 We st S ta te S tr ee t Legal Se rv i ce sTrenton, NJ 08608 3 4 W . M ain S tree t, S uite 3 01Cape May County (609) 695-6249 Somervil le, NJ 08876Legal Se rv i ce s ( 908 ) 231-08401261 Route 9 South M iddlesex CountyCape May Court H ouse, NJ Legal Serv ices Su ss ex Coun ty08210 New Brunsw ick Office Legal Services(609) 465-3001 317 G eorge Street, Suite 201 4 Park P I lice, Suite 1New Brunsw ick, N J 08901 New ton, NJ 07860Cumberland County (732) 249-7600 O R (973) 383-7400Legal Services Perth Amboy O fficeCumbe rl and ! Sa lem 313 State Street, Suite 308 Union County22 E . W ashington Street Perth Amboy, N J 08861 Legal Se rv i ce sBridgeton, NJ 08302-]933 (732) 324-16]3 60 P ri nc e S tr ee t( S56 ) 691 -0 494 and E li za be th , N J 07208Farmworker Project Monmouth County (908 ) 354-434071 East Commerce Street Legal Serv icesBridgeton, NJ 08302 Freehol d O f f ic e Wa r re n Coun ty(856) 455-0017 303 W est Main S treet, 3m Legal Se rv i ce sFloor 91 Front StreetEssex -N ewark Counties Freehold, N J 07728 P.O . B ox 65Legal Se rv i ce s (7 32 ) 8 66 -0 02 0 OR Be lv id er e, N J 078235 Commer ce S tr ee t, 2 n~F lo or Long B ranch O ffice (908) 475-2010


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Lawyer Services/ Lawyer Referral

At lant ic Coun ty Gloucester County (732) 240-3666Lawye r Re fe rr al Lawyer Refer ralA t la nt ic Coun ty Cour thous e Just ice Complex Passa ic County1201 Bacharach Boulevard P.D .Box 338 Lawye r Re fe rr al Cour thous eAtlantic City. N J 08101 W oodbury, NJ 08096 7 7 Ham i lt on S tr ee t(609) 345-3444 (856) 848-4589 Pa te rs on , NJ 07505(973) 2789"3Bergen County Hudson C ountyLawye r Re fe rr al Lawyer Refer ral Sa lem Coun ty15 Bergen Street 583 Newark A venue Lawyer Refer ralHackensack, NJ 07601 Jersey City, N J 07306 (856) 935-5629(201) 488-0044 (201) 798-2727 Somer se t Coun tyBurlington County Hunterdon County Lawye r Re fe rr alLawye r Re fe rr al Lawye r Re fe rr al 2 0 No rt h B ri dg e S tr ee t4 5 G ra nt S tre et P.O . Box 573 P.O. Box ]095Mount Holly. NJ 0 8060 Annandale. NJ 08801 Some rv il le . N J 0 88 76(609) 201-4862 (908) 7352611 (908) 6852323Camden County Mercer County Un ion Coun tyLawye r Re fe rr al Lawyer Refer ral Lawyer Re fe rr al Cour thous e1 04 0 N . K in gs H ig hw ay ]245 Wh i te ho rs e lSI FloorSuite 201 Mercerville R oad. Suite 420 E l iz abeth, NJ 07207Cherry H ill, NJ 08034 Mercerville, NJ 08619 (908) 353-47]5(S56) 482-0618 (609) 585-6200 M an - T hu rs . 1 D AM -1MCape M ay C ounty M iddlesex County Wa r ren Coun tyLawyer Referral Lawyer R eferral Lawyer Refer ralR t. 9 Main S treet 87 Bayard Street 4 13 S ec on d S tr ee tP.O . B ox 425 N ew B ru nsw ic k, N J 0 89 01 Belvidere, NJ 07823Cape Mny Courthouse, NJ (732) 828-0053 (908) 387-183508210(609) 961-0172 Monmouth CountyLawye r Re fe rr al Cour thou seCumberland County Freehold, NJ 0 7728Lawyer R eferral (732) 431-5544P.o. Box 731Mil1ville, NJ 08332 Morris! S ussex Counties(856) 8 25-2001 Lawyer Referral2 8 S ch uy le r P la ceEssex County Morristown, NJ 07960Lawye r Re fe rr al (973) 267-58823 54 E is en hower P ar kway ,P laz n 2 Ocean Coun tyL iv in gs to n, N J 0 70 39 Lawye r Re fe rr al Cour thou se(973) 533-6775 P.O . Box 381T om s R iv er , N J 0 87 53


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RECEIVED TUESDAY 1217/2010 2:51 :17 PM 6357910 FILED Dec 07, 2010

FOR USE BY CLERK'S OFFICE ONLYORECLOSURECASE INFORMATIONSTATEMENT

(FCIS)USC for initial Chancery Division - Ccneml Equityforeclosure plendings (not motions) under Rule 4:5-1.Pleading will be rejected for filing, under Rule 1:5-6(c), iflnformntlon is not furntshed 01' ifnt iorney's slgnarurc Is not

nffixed. BATCH DATE:

PA1 'l \I [ENT 1i 'PE : 0CK 0 CO 0CA 011110RECElPTNO:A . . v J O U N T :OVERPAYMENT:BATCH NUMBER :

CAPTIONSECTION A: TOBE COMPLETED BYALLPARTIES

CHASE HOlvlE F INANCE Ltc vs, KEVJN L . I '. !ASON e t n l.

C OU NT Y O F V EN UE

NAlv IE OF F IL ING l'ARTY(IES) ( e . g " J oh n Dna , P ln lnUf f)c rIA SE HOM E F IN AN CE L LC , P LA lN TIW

ESSEXDOCKET NUMBER (When nvni lnbl c)F_F -057750-10DOCUMENT TYl'E

l E I COMPLAINT D ANSWER 0 OTJ-lEItSharon L. McMahonA TT OR NE Y NAM E (1F APPLICABLE)

I VWL ING ADDRES S,lUO FcllolVlihipR nnd. Sui te 100M L Lnurel, N J 08054

F IRM NAME ( lf up pl ic nb le )Phelan Hnl linnn &. S chmie g. P CDA Y'l'J1I,oIETELEPHONE NUJ\.ffim856-813-5500

FOREC LOSUR E CA SE TY PE NUMBERSECTION B: TO BE CO MPLETED BYPLA INTfli'F TO INITIAL COIvIPLAIN T

IS T mS A mO H ruSK MORT GAOE P UR SUAN T TO1----------------------1 P,L.2009,1 :,8


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FILED Dec 07, 2010

CAD-5935Phelan Hnllimm ami Schmieg, P.c.400 Fellowship Road, Suite 100Mount Laurel, NJ 08054(856) 813-5500Attorneys for PlaintiffCHASE HOME FINANCE LLCPLAINTIFF

SUPERIOR COURT OF NEW JERSEYCHANCERY DIVISIONESSEX COUNTYDOCKET NO: F -057750-10s.

KEVIN L. IvIASON;J\rIR S. KE VIN L. M AH ON , H IS W IFE ;FillST UNION NATIONAL BANK;GE CAPITAL RESIDENTIALCONNECTIONS. LtC;SANDRA L. MASONDEFENDANT(S)

CMLACTIONFORECLOSURE COMPLAINT

CHASE HOME FINANCE LLC, having it s place of business at ] 0790 RANCHOBERNARDO RD, SAN DIEGO, CA92127by way of Complaint says:

FIR.STCOUNT1.On April 5, 1999, KEVIN L. 1vIASON, executed to ADV ANT A NATIONAL BANK

an obligation (NOTE), to secure the sum of $110,500.00, payable 011 April 10,2029, with theinitial rate of interest of 8.125 % per annum, payable by payments of $820.46 per month forinterest and principal. The Note further provides for a late charge of 5 percent for any paymentnot received 10 days from the date due,

2. To secure the payment of'the obligation described in Paragrnph 1, KEVIN L. MASONexecuted to ADVANTA NATIONAL BANK a NON PURCHASE MONEY MORTGAGE onthe same date as the Note. and thereby conveyed to it, in fee the land hereinafter described, onthe express condition that such conveyance should be void if payment should be made at the time

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and times, and in the manner described ill the obligation. The Mortgage was recorded in theOffice of'the Register of ESSEX County, in Book: 7279, Page: 421. The Mortgage was recordedMay 17, 1999. The Note and Mortgage have been assigned as follows:

fl. Ou December 18, 2006, ADV ANT AN ATION AL BANK assigned the mortgageto DEUTSCHE BANK NATIONAL TRUST CO. FKABANKERS TRUST CO.OF CALIFORNIA N.A AS CUSTODIAN OR TRUSTEE. The assignment wasrecorded January 16,2007 in Book 12019, Page 4765

b. On December 18, 2006: DEUTSCHE BANK NATIONAL TRUST CO., FKABANKERS TRUST CO. OF CALIFORNIA N.A. AS CUSTODIAN ORTRUSTEE assigned the mortgage to CHASE HOME FINANCE LLC. Tbeassignment was recorded January 16,2007 in Book 12019, Page 4788

c. The Plaintiff is the holder of the Note and Mortgage.3. TIle mortgaged premises, that is the land that secures the Note, are described below:The land referred to in this Commitment/Policy is described as follows:Properly. TIle properly consists of the land and all the buildings and structures on theland in the City of Orange, Count)' of Essex. and State of New Jersey. The Legaldescription is:BEGINNJNG at a point in the northwesterly line of North Center Street at a pointtherein distant northeasterly 377.88 feet from the intersection ofthe SUl11e and thenortheasterly line o f Park Avenue; thence r unni ng (1) along the said line of NorthCenter Street North 32 degrees 32 minutes East 36.55 feet; thence (2) North 54degrees 25 minutes West 131.34 feet; thence (3) South 35 degrees 35 minutes West 35feet; thence (4) South 54 degrees 25 minutes EElSt23.44 feet; thence (5) South 32degrees 32 minutes 'Vest l.50 feet; and thence (6) South 54 degrees 25 minutes East109.76 feet to the aforesaid line of North Center Street" the point and place ofBEGINNJNG.NOTE: 217 North Center Street, Orange, NJ 07050-2854.Note: Block: 27 Lot: 46

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Properly Address: 217 NORTH CENTER STREET, ORANGE: NJ 07050-28544. TIle Mortgage contains a provision that" together with, and inaddition to, the monthly

payments of principal and interest payable under the terms of the secured Note, the Mortgagorswill pay the Mortgagee, on the first day of each month until the note is fully paid, a sum equal to1 /121h of the annual taxes and insurance premiums that will next become due. which shnll beapplied by the Mortgagee to pay the tuxes and insurance on the premises.

5 ,No o th er i nstr uments a pp ea r o f r ec ord whi ch a ff ec t or may affect the p remi sesdescribed in Paragraph 3 except:

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u. i'v.m.S.KEVIN L. IvIASON, illS WIFE is hereby named a party defendant hereinfor any lien, claim or interest she mny have in, to, or on the mortgaged premises,which were acquired after the date of the mortgage, because sh e is the wife ofKEVIN L. MASON and it not being known whether or not he is married. At theclosing KEVIN L. MASON executed a mortgage which established that he wassingle and any title interest or right inthe principal marital residence was acquiredby MRS. K EV IN L. l\ifA SON, H IS W IFE subsequent to the subject mortgage.Any marital interest MRS. KEVIN L. lvIABON. JUS WIFE has in such property issubordinate and subject to the aforesaid mortgage. This defendant is also joinedfor any lien, claim or interest she may have in, to or 011 the mortgaged premises byvirtue ofthe Domestic Partnership Act N.r.S 26:8A-6.

b. GE CAPITAL RESIDENTIAL CONNECTIONS, LLC is hereby named a partydefendant herein for any lien, claim or interest she may have in, to, or on themortgaged premises by virtue of the following MORTGAGE.

1. Kevin L. Mason TO GE eAPIT AL RESIDENTIAL CONNECTIONS,LLC, dated June 20, 1999 and recorded August 4, 1999 in Book 7322,Page 671. To secure $8,238.00.

c. SANDRA L. MASON is hereby named a party defendant herein for any lien,claim or interest she may have in, to, or on the mortgaged premises by virtue ofthe following child supp ort judgment for any arrearage accrued following therecording of tile aforementioned mortgage.

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i. SANDRA L. MASON versus Kevin L. Mason filed in the Superior Courtof New Jersey, Judgment No: J-176256-2007 entered on July 3,2007. Noamount provided.

6. The obligation described inParagraph 1 contains an agreement that if any installmentpayment of interest and principal, taxes and insurance premiums remains unpaid for 30 daysafter the date it is due, the whole principal SUIll. with all uupaid interest, should at the option ofthe above named Mortgagee or the heirs, executors, administrators, representatives or assigns.become immediately due and payable.

7. The defendantfs) named in paragraph #1 above, or the grantee or grantees, ifany, ofthe defendant, have defaulted In making the payments to the plnintiff as required by the terms of11]6obligation and Mortgage referred to inparagraphs #1 and #2 above. The payments haveremained unpaid for more than 30 days from the date the payments were due, and are stillunpaid. Because the defendants have defaulted. Plaintiff has elected that the whole unpaidprincipal sum due on the obligation and Mortgage referred to in paragraphs #1 and #2, with allunpaid interest and advances made, shall now be due,

8 , A n y interest or lien which the defendants have, or claim to have: in or upon themortgaged premises or some part thereof is subject to the lien of plaintiff's mortgage.

9, Notice was sent 1 1 1 compliance w ith th e fair foreclosure act more than 31 days prior-tofiling ofthe within complaint.

WHEREFORE; plaintiff demands judgment:n. Fixingthe amount due on its mortgage.h. Barring and foreclosing the defendunts and each of them of all equity ofredemption in to said lands,

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c. Directing that the plnintiffbe paid the amount due on its mortgage with Interestand costs.

d. Adjudging that said lands be sold according to law to satisfy the amount dueplaintiff.

e. Appointing a receiver ofrents, issues and profits of'suid lnnds,


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_SECOND COUNTL By the terms of'the Note/Bond and Mortgage referred to in pnrngraphs #1 and #2 of

111eF i rs t Count ofthis Complaint, the plnintiffis entitled to possession ora tract of land with theappurtenances as more par ticu la r ly described inparagraph #3 of the F ir st C ou nt

2. On September 10, 2010, the plaintiff, by the terms of the Note/Bond and Mortgage,becomes entitled to possession o f th e premises described in paragraph #3 of t he F i rs t Count ofthis Complaint except as against those tenants protected under N.J.S.A. 2A: 18-61.1, et seq.

3. 00 Augu st 1 0. 2010.. the mortgage went in default An installment of principal andinterest, insurance and taxes was due and has not been received by the plaintiff

4. TIm defendants named inparagraph #1 and paragraph #5 of'the First Count of thisComplaint have or may claim to have certain rights in the premises described in paragraph #3 ofthe First Count of this Complaint and by reason thereof have since the date set forth in paragraph#2 above deprived the plaintiff'herein of the possession of'the premises aforesaid.

WHEREFORE, Plaintiff demnndajudgment against defendants except those personsprotected under N.J.S.A. 2A: 18-61.1, et seq.;

a. For possession of tile said premises to plaintiff, its successors or assignee find/orth e purchaser at a foreclosure sale.

h. For damages for mesne profits.c. For costs.

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TfllRD COUNT1. First Union National Bank is hereby named a party defendant herein for any lien, claimor interest it may have in, Loor on the mortgaged premises by virtue of tile followingmortgage. Upon information and belief. said mortgage bas been satisfied, but notdischarged of record.

!L Kevin L. Mason and Mary H. Mason to Horne Loan and Investment Bunk. F.RB.dat ed Augu st 8,1997 an d recorded August 19, 1997 inMortgage Book 6871 Page566 Tp Secure $107.200.00.

1. Home Loan Investment Bunk, F.S.B assigned to FIRST UNIONNATIONAL BANK. dated December 8, 1997 and was recorded May 26,1998 inBook 812, Page 498.

11 . Wells Fargo Bank, National Association is slb!m to Wachovia Bank,National Association is f!lua First Union National Bank

WHEREFORE. plaintiff demands judgment:

a, Barring and foreclosing First Union National Bank's interest in and Lathe subjeelpremises;b. Costs of suit.

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CERTIFICATION PURSUAJ. ' lT TO RULE 4:5-1

The matter in controversy in this Complaint is not the subject of any other action pendingin any other Court nor is it the subject of a pending Arbitration proceeding, nor are any otheractions or Arbitration proceedings conternplnted, and further, to the best of my knowledge, allparties who should be joined inthis action have been joined, plaintiff however reserves its rightto i ns ti tu te a defi ci ency suit following the foreclosure consistent with the appropriate New JerseyStatutes.

-10-


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CERTIFICATIONIn accordance with Rule 4:5-1(b)(2), I hereby certify that pursuant to Rule 4:64-1(a),

prior to filing the within complaint, I have caused a title search of the public record to be madefor the purpose of'identifying any lien holders or other persons or entities with an interest intheproperty that is the subject ofthis foreclosure.

PHE LAN HALLINAN & SCH lv lIEG . PCS /S harou L . McMahonSharon 1. Molv ln hon , E sq .Attorney for Plaintiff

Dated: December 6=2010

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NOTICE REQllIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT, (the net),15.U .S.C . SEC TIO N 1601 A S A lvL ENDED

Ifthis notice is the first notice that you have received from this office, please be advised of thefollowing:

1. The amount of the original debt is stated in paragraph one of the Complaintattached hereto.The Plaintiff who is named in the attached Summons and Complaint is theCreditor to whom the debt is owed.

3. The debt descr ibed in the Complaint at tached hereto and evidenced by th e copy ofthe Mortgage/Note will be assumed to be valid by the Creditor's Iaw finn, unlessthe Debtor(s), within thirty days after receipt of this notice, disputes. in writing,the validity of the debt or some portion thereof

4. 11110Debtor notifies the Creditor's law firm inwriting within thirty days of thereceipt of tins noticethat the debt or any portion thereof is disputed, the Creditor'Slaw firm will obtnin verification ofthe debt and a copy of the verification will bemailed to tile Debtor by the Creditor'S law firm.

5. Iftile Creditor who is named as Plaintiff in the attached Summons an d Complaintis not the original creditor, and ifthe Debtor makes 11 request to the Creditor's lawfinn within thirty (30) days from the receipt of this notice, the name and addressof'the original Creditor will be mailed to the Debtor by Creditor's law finn,

6, Availing your self of the rights set forth above does not mean that you are not alsorequired 10 respond in accordance with the summons attached hereto, thatindicates that YOll have thirty-five (35) days from time of service in which to fileand answer with the court. While you may avail yourself of the rights set forthabove. that will not, in any event, suspend the processing of the within foreclosureaction, Further note that consistent with the summons attached, you have theright to file an answer and dispute the allegations of'the complaint by filing saidanswer with the clerk of the court upon payment of an $135.00 fee. As set forthin the summons, failure to file an answer or otherwise plead will result in defaultbeing Entered upon you and, in all likelihood, the subject property being sold at asheriff sale if arrangements are not made with the plaintiff concerning themortgage indebtedness.

7. Should you desire a statement of'the amount due, you mny contact Phelan.Hallinan, &Schmieg. P.C. 400 Fellowship Road, Suite lOa, Mount Laurel, NJ08054 and same will be provided to you or your legal representative.

8. As of the date of this pleading, the t ot al amou nt necessary to pay of f this loan is$99,853.06. Because of interest, late charges, and other charges that may vary


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from day to day, the amount due all the day of puymeut may be greater. Hence, ifthe amount shown above is paid, an adjustment may be necessary after plaintiff'scounsel receives the check, in which event the borrower will be informed beforedepositing the check for collection. For further informution, please write theundersigned, or call our office by telephone.


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. 1 366 KJNDERl\AMt\CKROADW ES TW O OD . N EW J ER SE Y 07 67 5201.664.8a55FAX : 201 .6 66 .8589~.denbeau~VY.(cnlemalt [email protected]

Sent Via New Jel'sey Lawyers Service

DENBEAUX&:P~~UXMarda V I. Denbeau.~~Jmhua \V.Denbea~M a r l : fl DenbeaUlCOf Counse l"A~mittedln N J and NY

February 11,2011

C le rk, S upe rior C ourt o f N ew JerseyC banc ery D ivision. G eneral E quity P artH ug he s Ju stic e C omp le x:25 Market StreetT renton , N ew Je rsey 08025Re: Chase Hom e Finance, LLC v. MasonDocket No.:.F~57750~10Dea r C le rk :Thisoffice r ep re se nts th e d ef en da nt int he above- re fe ren ced l it ig at io n.Enc lo se d f or :f ili ng p le as e find an o ri g in al an d one c opy of d efenda nt's F oreclosu re C aseIn fo rm atio n -S tatemen t, A nsw er, A ff irm ati ve D ef en ses, C ou nte rc la im s an d D em an d for-

+ : __ r , - fh e -P roduc ti en -c t-Docamen rs :K i nd ly .f il et he se . enclosed .documents; re tu rning-a -c op y ~\" . . ," " + _ ~ L ._ _ L _ . . - . .. --marked "Filed" to this office :in th e e nv elo pe p ro vi de d h ere in .Ourfinn's check inthe amoun t o f$135 .00 for th e f ilin g f ee is also enclosed.T ha nk y ou.Very truly yours,D ~ A ~ l E N B E A U XAdam D eu tsch, E sq .AD:amcc: Sharon M cMahon, Esq.Mary &Kev in Ma so nEnclosures
mailto:[email protected]:[email protected]


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1679A-04DENBEAUX & DENBEAUXDenbaaux & D enbaaux .36 6 K IN D E R KAMA CK R O ADW ES TWO O D , N J 07675K1675

SIGNATURE REQUIRED

BILLING REFERENCE57750

C UT H ER E

rage 1ot 1

NEW JERSEY LAWYERS SERVICEN EW A R K U NIO N CHE RR Y HILLT EL: (9 0B ) 6 B6 -7 30 0 FA X: (9 0B ) 5 B6 -5 30 0

www.NJLS.com TRACKING # 15121525Sh Ip Da te : 2111 / 2011 1 1:1 4 AM

~ 1 1 1 1 1 1 1 1 1 1 1 1 1 1 U~15121525~RECIPIENTClerk, Superior CourtChancery Division, Foreclosure ProcessingServicesHughes Justice Complex25 Market StreetTrenton ,NJ 08625-

xxx

A FF IX T HIS P AR T T O Y OU R S HIP ME NT. CU T HER E . C UT H ER E

, _ , '" n +


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.-b- ..........i.

N EW J ER SE Y LAW Y ER S SE R VIC EN EW AR K U N IO N CHER R Y HILLT EL: (90 B) 6 86 -7 30 0 FAX : (90 8) 666-5300

www.NJLS.com

1679A-04D EN BEAUX & D EN BEAUX .Denbeaux & Denbeaux366 K IN D E R KAMACK RO A DWESTWOOD , N J 07675-1675

TRACK ING # 15121541S hip D a te : 21111201111:15 AM

S IG NAT UR E R E QU IR E D

REC IP I ENTP h ela n , H allin a n & S chm ie g, P CS haron M cM ahon , E sq .4 0 0 FELLO W SH IP R D ,S uite 4 00M O UN T LAU R EL,N J 08054-3437x x x

B ILLIN G R E FE R E N CE57750

ClITHERE AF FIX T HIS P AR T T O Y O UR S HIP ME NTClITHERE CUT HEREi __ .

S HIP ME N T R E CE IP T FOR YO UR R ECO R D S" ,', " ..IN FO R MAT IO N YO U ' R EQ .U EST En HAS:H'EEN TRANSMr I TEb tb ' N J L E L . " ' . , ' , , " . . , ' , .

N O FUR THER ACT IO N IS R EQU IR ED O N YO UR PAR T

N EW JER SEY LAW YER S SER VICEN EW AR K UN IO N CHER RY HILLTEL: (908) 686-7300 FAX: (BOS)686-5300www.nj is .com

S IG NAT UR E R E QU IR E D1 6 7 9 AF R OM .DENBEAUX &D EN BEAUXDenbeaux & Denbeaux366 K IN D E R K AMAC K RO A DWESTWOOD , N J 07675-1675

TRACK I NG # 15121541

SHIP T OShar on McMahon , E s q.Phe lan , Ha lUnan & S chmie g. PC4 00 F ELLO W S HIP R DSuite 40 0 .MOUN T lAUREL ,NJ 08054-3437

B ILLIN G R EFER EN CE 'R e fe re nc e N o : 5 7 7 5 0C as e N ame : M ASO NC ourt E sse c C han e D l v G en E qDo c ke t No : F -5 7 7BD - 10A ttome y o f R e co rd ; A DIT E M D E S CR IP T IO NS e rv e A n sw er CC & D isco O em s on P L

http://www.njIS.comINJLS20/SecuredlShlpmentPrintaspx?ShipmentId=15121541 2111/2011
http://www.njls.com/http://www.njis.com/http://www.njis.cominjls20/SecuredlShlpmentPrintaspx?ShipmentId=15121541http://www.njis.cominjls20/SecuredlShlpmentPrintaspx?ShipmentId=15121541http://www.njis.com/http://www.njls.com/


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Exhibit 3


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Joshua DenbeauxDenbeaux &Denbeaux366 Kinderkamack RoadWestwood, New Jersey 07675(201) 664-8855 I Fax: (201) 666-8589A t to r n ey s fo r De fe ndan ts~""""".4 ,t t'ntu ...~ CHASE HOlvIE F INANCE , LLC , t! Plaintiff, j! Is.i ~! K E Y m~ : : : N ' et als., !t + I ~ _ t ti ~ ~ ~........... 1

SUPERIOR COURT OF NEW JERSEYCHANCERY DMSION: ESSEX COUNTYDOCKET NO.: F-57750-10A Civil ActionAnswer, Affirmative Defenses and Notice ofFrivolous Litigation

Defendants Kevin and Mary Mason by way of their attorney Joshua Denbeaux, herebyanswers the Complaint as follows:

FIRST COUNT...... -------"-L-Defendantadmits executingaNoteto payable as order paper to Advanta NationalBank ..

as described by plaintiff.2. Defendant admits executing a mortgage as described in this paragraph of the complaint.

a. Defendants are without knowledge as to whether Advanta ever lawfullytransferred the mortgage to any party.

b. Defendants are without knowledge as to whether Advanta ever lawfullytransferred the mortgage to any party.

c. Defendants are without an y knowledge of whether plaintiff is the holder of thenote or owner of the mortgage.

3. Defendant is without knowledge of the tax lot and block address of the at issue propertyand neither admits nor denies the allegations but rather leaves plaintiff to its proofs,

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4. Defendant deny that plaintiff is entitled to pay taxes or insurance on the property, asdefendants are not indefault and plaintiffs foreclosure is frivolous.

5. Defendants deny,6. Defendants are notin default and plaintiff has no right to foreclose. This action isfrivolous as set forth inthe affirmative defenses for this matter.

7. Defendant deny.8. Defendant deny.9. Defendant deny.

SECOND COUNT1. Defendant deny.2. Defendant deny,3. Defendant deny.

c 4: Defendantdeny c ..WHEREFORE, defendant respectfully requests that all claims be dismissed.

FffiST SEPARATE DEFENSE(Fair Foreclosure Act)

1. Plaintiff's Complaint seeks to foreclose upon Defendant's Mortgage, which is a"residential mortgage" as defined by the New Jersey Fair Foreclosure Act, N.J.S.A.2A:50-53 e t. s eq. , and therefore Defendants are entitled to the protections andrequirements set forth inthe Fair Foreclosure Act.

2. Plaintiff failed to comply with the Fair Foreclosure Act, N.J.S.A. 2A:50~56. inany or allof the fallowing ways:a. Plaintiff failed to serve Defendants with a Notice of Intent to Foreclose; and/or

2


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h. To the degree that Plaintiff served the Defendants with any pre-foreclosure notice,that notice failed to comply with the requirements of the Fair Foreclosure Act as

enumerated in N.J.S.A. 2A:50-56(c); and/orc. To the extent that any pre-foreclosure notice was served upon Defendants, thatNotice was not sent by the residential mortgage lender or lender as that term isdefined by the Fail; Foreclosure Act.

3. Based on the foregoing, the court lacks subject matter jurisdiction to hear PlaintiffsComplaint for Foreclosure.

SECOND SEPARATE DEFENSEThe Plaintiff's claim is barred for lack of standing and/or privity of contract.

THllID SEPARATE DEFENSEThe Plaintiff's claim is barred because of the Plaintiff's failure to add indispensable

.. parties. .

FOURTH SEPARATE DEFENSEThe Plaintiff's claim is barred because of the doctrine of unclean hands.

FIFTH SEPARATE DEFENSEThe Plaintiffs claim is barred because of the Entire Controversy Doctrine.

SIXTH SEPARATE DEFENSEThe Plaintiff's claim is barred because any alleged loss to the Plaintiffis caused by its

own negligence. or the negligence of third parties over which the Defendant has no control.

SEVENTH SEPARATE DEFENSEThe Plaintiff's claim is barred because any alleged loss to the Plaintiff is caused by the

fraud of the Plaintiff and/or the fraud of third parties over which the Defendant has no controL

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EIGHTH SEPARATE DEFENSET he contract at issue w as procedurally and substantively unconscionable and

unenforceable.NINTH SEPARATE DEFENSE

D efendant is not indefault. and therefore the plaintiff has no standing to bring thisf or ec lo su re comp la in t.

TENTH SEPARATE DEFENSEPlaintiff 's claim fails to state a claim upon w hich relief m ay be granted.

ELEVENTH SEPARATE DEFENSEP laintiff is not a holder ind ue c ou rs e.

TWELFTH SEPARATE DEFENSEPlaintiff is not the holder of the note and/or is not the Person Entitled to Enforce the note .

TIIIRTEENTH SEPARATE-DEFENSE .P lease be advised that our clients intend to pursue all of their rights pursuant to N JSA

2A :15-59.1 (the Frivolous C laim s A ct") and R. 1:4 -8. T his statute and C ourtR uIe togetherprovide a vehicle for sanctions, costs and counsel fees to be issued against an attorney andlor aparty w ho m oves forw ard w ith frivolous litigation. T he Frivolous C laim s A ct seeks tocom pensate a party that has been victim ized by another party bringing frivolous litigation, asw ell as the punitive purpose of deterring frivolous litigation. S ee, D eutch & S hur, P .C . v. R oth.284 N .]. Super. 133 (Law D iv. 1995).

P ri or to c on ti nu in g with this litigation, your client and your law fum sh ou ld p ro ce ed v erycautiously as there is no question that the C om plaint you have filed contains allegations that arefrivolous and w ould ex pose both you and your client to sanctions.

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A salutary purpose of the Frivolous Claims Act and R. 1:4-8 is to avoid frivolous

litigation and to sanction those who fail to discharge their duty. We urge you to take seriouslythese obligations. We will not hesitate to seek sanctions, fees and costs against you andlor yourclient should you decide to continue with this Complaint. .

The defendants are NOT indefault. The defendants reside in Orange, New Jersey. andpay their taxes and insurance separate from the monthly mortgage payments. The taxes arecurrent, and have been timely and fully paid by defendants since the commencement of thismortgage and note in1999. Defendant's monthly obligations to plaintiffwere up to date andtimely up until the moment when plaintiff commenced refusing payments after incorrectlyconcluding that the taxes were unpaid.

The plaintiff is falsely claiming that the taxes are unpaid is based on, on information and. .. . .. . . . . . . .belief; 'anerror in' the 'plaintiff' sinternalctmtrols whlchhaveconcludedthar'a certain' property 'of , .

the same address inOrange, CALIFORNIA has unpaid taxes.The property inquestion is in Orange, New Jersey, and the taxes are up to date and being

paid by the defendants.Please be forewarned that defendants intend to prosecute separate actions at law

for damages and also intend to file a motion to dismiss the Complaint and for sanctions, costsand fees for prosecuting this patently frivolous matter against Mr. and Mrs. Hall's property at449 Piermont Road, Cresskill, New Jersey.

Plaintiffhas its 28 day Safe Harbor window, which commences upon receipt of thispleading. Ifplaintiff does not respond by withdrawing this complaint within that safe harbor

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w indow , d ef en da nts will move the C ourt to dism iss the C om plaint, w ith prejudice. and forsanctions and fees upon your client and fum.

DEMAND FOR PRODUCTION OF DOCUMENTSD efend an t hereb y req uests w ith in fiv e (5) days of the date of this request, a copy of all

d ocum en ts an d papers to w hich P laintiff 'ref ers to inthe com plaint including but not lim ited tothe N otice of Intent to Foreclose w ith proof of service, and any and all assignm ents of themortgage.

CERTIFICATION PURSUANT TO RULE 4:5-1The undersigned does hereby certify that the m atter in controversy is the subject of no

o th er p en di ng lawsu its, p ro cee di ng s o r a rb itra ti on s ine xis te nce o r cu rre ntly c on temp la ted o fw hich I am aware.

DENBEAUX &DENBEAUX. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. A t tO r ti eY f ff o tDe fendan t' H __ H .

Date d: F eb ru ary 4 ,2 01 1 By: Adam D eutsch, E sq .

6


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CERTIFICATION PURSUANT TO RULE 4:6-l(d)I certi fy that a copy of th is A nsw er, A ff irm ative D efenses, C ounterclaim s and First

D em and for the Production of D ocum ents w as served on all oth er p arties w ithin the tim eprescribed by the R ules of C ourt.

DENBEAUX &DENBEAUXAtto rn ey s f or De fe nd an t

D ated: February 11, 201] { "By: Adam D eutsch , E sq .

1


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.

Exhibit 4


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3b b I :J N DER I: AMAC" ROADW E S T VJ O O O , N EW J ER S E Y0 7 67 5201 .6 648855F A X ; 201 .0 608589www.denbeaux l


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Mr. and M rs. M ason, from the start of the financing agreem ent, have paid their tax es on tim e andhave never had tax es escrow ed by any lender. Mr. an d M rs. M ason are current on their taxpaym ents to the City of Orange. Exhibit 2 is a prin tout from the Tax Office of the City ofO range, N ew Jersey, show ing all paym ents m ade in2010 and Exhibit 3 which is a copy o f everycheck sent by Mr. and M rs. M ason to pay the 2010 tax es .. Y ou will q uickly see that the dates andam ounts paid by Mr. and M rs. M ason m atch up ex actly with the tax es received by the City ofOrange.A ttached as Ex hibit 4 is a copy of the hazard insurance invoice and all p ayme nts m ad e a ga in stsam e by M r. and M rs. M ason.Just as with the tax p aym ents, you will s ee th at Mr. and M rs. M ason paid the entire am ount.And as to m ortg ag e m on th ly p ayme nts. a tta ch ed as Exhibit 5 are copies of paym ents m ade byMr. and M rs. M ason for their m onthly m ortgage am ounts, all on tim e. and all paid in full ... untilthe B ank ceased accepting paym ents due to the supposed failure to pay real property tax es. SeeExhibit 6 for ex am ples of correspondence from C hase im properly returning paym ents m ade byM r. and M rs. M ason.A fter review of the enclosed docum ents. it should be abundantly clear that M r. and M rs. M asonare up to date on their m ortgage paym ents, their tax es and their insurance. It should also be clearthat the foreclosure com plaint w as filed in erro r, and that any negative im pact upon their creditrating m ust be repaired. .Finally. be advised that should you not repair the credit reports, or otherw ise file to act inaccordance w ith the obligations placed upon by the Fair C redit R eporting A ct and other law s andregulation. M r. and M rs. M ason will p ro ce ed to e nf orc e all th eir rig hts a ga in st y ou a nd a ga in stth e f urn ish er o f th e in co rre ct f in an cia l in fo rm atio n inth e a pp ro pria te C ou rt.Thank you,Very tru ly y ou rs,

JWD:amcc: Chase H om e Finance. LLC clo A nthony D ragone, Esq . P helan, H allinan & Schmieg

2


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.Exhibit 1 .


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PHE LAN HAL LIN AN & SCHM lliG , PC4 00 F ello ws hi p R oa dS ui te 100M t. L aurel, N T 08054(B56) 813-5500A tto rne ys f or PlaintiffCHASE HOME FINANCE LLCPLAINTIFF SUPERIOR COURT OF NEW JERSEYCHANCERY DWIS ION

ESSEXDOCrrnT NO; F 057750 10C IV IL ACTIONSUMMONS

VB .KEVIN L, MASON, ET AL.

DEFENDANT (S)From Tile State of New Jersey To The Defendam ts) Nam ed Above:T he plainti ff, nam ed above, has fi led II. lawsuit against you in the Supador Court of New Je rs ey , T he

cnm plalnt attached to this summons states the basis for this lawsuit. Ifyou dispute this com plaint, you oryour attorney m ust "51e a wri tten answ er or m otion and proof of servi ce with the deputy clerk of the S u periorCourt in the county listed above within 35 days from the date you received this summons, nat counting thed at e y ou r ec ei ve d it . (The address of ench deputy clerk of the Superior Court is provided) Ifthe com plaint isone in foreclosure, then you m ust file your written answer orm ation and proof of service with the Clerk ofthe Superior Court, Hughes Justice Com plex , P.O . Box . 97], Trenton, NJ 08625-097], A f ili ng fee payableto the.Treasurer, State of New Jersey and a com pleted elise I nf ormati on S ta temen t (avuilable from thedeputy clerk of the Superior Court) m ust accom pany your answer or m otion when its flied. You m ust nlsosend II copy of your answer or m otion to plnintiff 's nttorney whose nam e and nddress eppear above, or toplaintiff, if no nt torney is nam ed above. A telephone call will not protect your rights; you m ust file and servea w ritten answ er or m otion (w ith f ee of .'!i 135,O O and com pleted C ase Inform nti on S talem ent) ifyou want thec ou rt to h ea r y ou r d ef en se .

If you do not fi1e and serve n written answer or motion w.ithin 35 days, the court may enter ajudgm ent against you for the relief plaintiff dem ands, plus interests and costs of suit. Ifju dgmen t i s e nte re dngalnst you, the Sheriff m ny seize your m oney, w uges or property to pay all or part of the judgm ent

If you cannot nfford to pny nn attorney, you may call a Legal Services office in the county whereyou live or the Legal Services of New Jersey Statewide Hotline nt l-BB8-LSNJ-LAW (1-888-576-5529), AJi st o f th es e o ff ice s i s pr ov id ed . Ifyou do not have an attorney and are not eligible for free Iegal assistance,you may obtain a referral to an attorney by calling one of the Lawyer Referral Services. A list of thesen umber s i s a ls o p ro vi ded .D ated: D ecem ber 28, 2010

J en ni fe r lVLPer ezJenni fer M . P erez, A cting C lerkS uperi or C ourt of N ew Jersey

MRS. KEVIN L. MASON, HIS W lFE217 NORTH CEN TER. STR EETORANGE, N J 0 705 0- 28 54


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Lawyer Services! Lawyer ReferralAtlant ic Coun ty Newnrk,NJ 07102 279 Broadway, Suite 300Legnl S ervices (973) 824-3000 OR Long B runch. N J 0774026 S. Pennsylvnnia Ave. (973) 624-4500 (732) 22 .2 -3338Suite 100, 1SlFloorA tln nt ic C i ty . NJ 08401 Gloucester County M om s C ounty(609) 3 484200 Legal Services L eg al S er vi ce s47 N ew ton A venue 3 D Schuy le r P la ceB er ge n Cou nty W oodbury, N J 08096 CN-900Legnl Services (856) 848-5360 Mor ris tnwn , NT 0 7 96 36 1 Knn sn s S tr ee t ( 973) 285-6911Hnckensnc :l c,NJ 07601 Hud so n Cou nty(201) 4 87-2166 Legal Services O ce an Cou nty

574 Summit Avenue Legal ServicesBurlington County Jersey City. N J 07305 Tom s R iver O fficeLegal Services (201) 792-6363 599 Route 37 W est, 'lllll F l oo r1 07 H ig h Street Tom s R iver, N T 0 8755Mount Holly, NT 08060 Hunterdon County(609) 26]-1088 .: Legnl S er vi ce s P as sa lc Cou nty82 ParltAvenue L egal S er vi ce sCamden County Flemington, NJOBB22 1 52 Ma rk et S tr ee tL eg al S er vi ce s (908) 782-7979 P aterso n, N J 07 50 5745 MnrltetSlreet (973) 523-2900Camden, NJ D B]02 Mercer County(855) 964-2010 Legal S er vi ce s S omer se t C ou ntyOR 1-800496-4570 198 W est State Street L eg al S er vi ce sTrenton, NJ 08GOS 34 W . MDin Street. SuIte 301C npeMay C ou nty ( 609) 695 -6249 S om erv ille, N J 0 88 76Legal Services (90B) 231-0B401251 R oute 9 South Middlesex CountyC ape M ay C ourt House. N J L egal S er vi ce s S us se x Cou nty082.10 New Brunswick Off ice Legnl Services(609) 465-3001 317 George Street, Suite 201 4 Park Place, Suite 1N ew B runsw ick, N J O B901 N ew ton. N J 07860Cumbe rla nd Cou nty (732) 249-7500 OR ( 973) 383 -7400L egal S er vi ce s P erth Amb oy O ff iceCumber ln nd ! Snt em 31 3 Sta te S tree t, S uite 30 B U nio n C oun ty2 2 E . W a shin gto n S treet Perth Amboy, N J 0886] L eg al S er vi ce sBridgeton, NJ 08302-1933 (732) 324-1613 6 0 P rin ce S tr eet(8 56 ) 6 91 -0 49 4 a nd Elizabeth, NJ OnOBFnnnwo rk er P ro je ct Monmouth County (90B) 354--43407 1 E nst C omm erce S tre et L eg al S lm 'i ce sBridgeton, NJ 08302 Freehold Office W arren County(856) 4 55-0017 303 W est Mllin Street, 3n 1 Legal ServicesFloor 9 1 F ro nt S tree tE ss ex -Newn rk Coun ti es F ree ho ld , N J 0 772 B P.D.Box 65Legal S er vi ce s (732) 866-0020 O R Belvidere. NJ 078235 Commer ce S tr ee t, 2m!F jo or Long B ranch O ffice (9 08 ) 4 75 -2 0] 0


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Lawyer Services! Lawyer Referral

Atll1I1tic County Gloucester County (732) 240-3666Lawyer Referral Lawyer ReferralAtlantic County Courthouse Justice Complex Passnic County1 20 1 Bacha ra ch Bou le va rd P .O . B ox 33 B Lnwye r R ef er ra l Cou rth ou seAtlantic City, NJ OIH01 Woodbury, NJ 08096 7 7 H am ilto n S tre et(609) 345-3444- (856) 848-4589 Paterson, NJ 07505

{973) 2789223Bergen County Hudson CountyLawyer Referral Lawyer Referrnl S alem County1 5 B erg en S tre et 5 83 N ew ark A ve nu e Lawyer Re fe rr alHackensack, Nl 07601 Jersey City, N J 07306 (856) 935-5629(20l) 488-00# (201 ) 79&-2727

Hun te rd on Count y Some rs et Cou ntyBUrlington County .. Lawyer ReferralLawyer Referral Lawyer Referral 20 N orth B ridge S treet4 5 G ront S treet P.O. Box 573 P.O. B ox 1095M ount H olly. N T OB060 Annandale, NJ DBBDl Somerville, NJ 08B76(609) 201-4B62 (908) 735-2511 (90B) 6B5-2323C amden C ou nty Me rc er Cou nt y Un ion Coun tyLawyer Referral Lawyer Referral Lawyer Referral Courthouse104{] N.lGngs Highway 1245 Whitehorse J 5 I FloorS uite 201 M ercervi lle R nnd, S ui te 4 20 Elizabeth, NJ 07207Cherry Hill, NJ 08034- Mercerville, NJ {]B619 (90B) 35347]5(B56) 4820618 (609) SB552{ ]0 Man-17l11rs .1DMI -lPMCope Mny County M idd le se x County Wn rr en Count yLawyer Referral Lawyer Referral Lawyer ReferralRt. 9 M nin S treet 87 Bayn rc i S tr ee t 4 13 S ec on d S tr ee tP.O. B olt 4 25 New Brunswick, N J { ]8 90 l Belvidere, NJ 07B23Cope May Courthouse, NJ (732) B2 !! { ]053 (90B) 387-183508210(6{]9) 961-0172 Monmouth County

Lawye r R ef er ra l Cou rth ou seCumber la nd Count y F re eh old , N l { ]77 28Lawyer Referral (732) 431-5544P.O. Bolt 73 1Mil1vi11e, NJ 08332 Monis! Sus se x Count ie s( 85 5) 8 25 -2 00 1 Lawyer Referral

2 8 S chu yle r P la ceE sse x C ou nty Morristown, NJ {]796{]Lawye r R ef er ra l (973) 267 -58B23 54 E is en how er P ar kw ay ,PlllZll2 O ce an CountyLivingston, NJ 07039 Lawye r R ef er ra l Cou rth ou se(973) 533 -6775 P.O. Box 381Toms River, NT 08753


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RECEIVED TUESDAY 1217/20102:51:17 PM 6357910 FILED Dec 07,2010

.fOILUSE BY CLERK'S.OFFICE ONLY ORECLOSURECASE INFORMATIONSTATE lY . IENT

(FeIS)Usc for Inllinl ChnnceryDh'lslon-Gcncl1ll EquityIoreclnsure pleadings (notluotians) und~rRul~4:5-1.Pleod[ngwill be rejected fol' Illlng, under Rule l:S-ti(c),lflnfurmntion is nDt fu l'Itish ed 01' Irnttorney's signature 15 no t

ul11xotl. BATCH DA 'J"E :

PAThIENTTYPE: 0 cK 0 CO 0CA o0MORECE IPT NO :A1v!DUNT:oVERPAnlENT:BATCH NUMEER :

CAPTIONSECTION A; TOBE COlllPLETED.BY tiLL PARTIES _

C fL \S E aOl \o IE Fl NANC E L LC " Y o .1ff iVIN L. MASON e t n l,

COUNTY O F V ENUEESSEX

HM IE O F F ILIN O P AR'I'Y(IES) (Il.l[ JahnDec, PJnlnlIfl)cr :wm HOME: FINANCE L1:.C ,PLAIN'I 'I l'F

DOCKE'l 'NUMBER (WIlim Dvnllllblb)F-F -057750-10DOCUMENT TYPE! i i i COMPLAlNT o ANIlWEJI. 0OTEEIl

Sharon L. McMn1lOnATTORNEY NAME (IF Al'PL1CABLE)

l vlA lL lNO ADDRESS. J O O Fcllnw.hlpRontl, lIuil.e.lDOML Lt!l In : l, }lJ 08051SE CTIO N B : T O B E C01H PL ET ED B YPL AlN TlF F T O IN ITIA L C OM PLA IDIT

FIRJI,[NMIE (IfnppllClulc)l'hclllll !'fnlUnan .I < Sl:ltmltg, Fe

!l5li-llll-550D

FOllECLOSlIl lECASE T Y J I E N U M R E R . 15 rm s A m OH ]U SI( M OR .T GA GE PU RSU AN T TO1---------------------1 P.L.1DD9,c.a.1 AND P.L.:lOD8,c.ll7 0 YES lI D NOOOSB0089J I D O R FDOCFODeDOOlllDOl'P

IN PEIl SONMI T i \. ': J:ORECLOSUru ::IN REM Ti \ .' :FOI1ECL05llRERESIDENTIAL 1Y[ORTOADEFORECLOSURECOMMERCIAL MOR .TGAGE FORECLOSURECONDOM IN iUM O il HOMEOWNEl. 'S A SSOC IA .T ION L IENFORECLOSURESTIUCTFORECUDSUREOPTIONAL FORECLOStlREP l \.OCEI :I tJ 11E (NO S .u.E )

p lf fi CHABE MONEY MORTGAGE ! i i i ND

R ILL P Ii 1' BI CAL ! :I TREET ADDRESS 0 [' P Jl OPERTY:117 NOR. 'l 1- ICENTER. 5 'l 'REE l' . ORANOE, I 'l l 070S()"~!l5'1Z IP C O D E : 0 7 D SD COUNTY~ ESSEX

RELA' IED P EI DD~O C llf m:IF1'E5, usr cocxrr NUMBER5:

OYE! l

- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ~ALL F1l1NGPARl'IESM DST SIGN AND.l'R lNT NAM E(S) AND DATE THE FOllM BELOW .

r.!UN1C[]lAL SL OC K: 27(LOTS): ~Ii

r C I lr il ry Ihut I: lln lldculhtl p~l"1ionoll llEnlJncl"S lul\ 'o IJ l!J!nrlldnemd Irnm ilctllmllllls nmr wbmll leJ llo tbE! l:lIurt, lind wi ll J il lr cd nc JDI l [ rnm n ildDImIll~nlli liUlunlilcd I n I hc fllium In ucenrdanee WlUl RIIIIl1:38-7(1I).AT IO Il NEYI5ET .F REPRE5E Jf fE J ! :I IGNATURE PlUNT ATrOIlNEY/SELF RE]l Jt ESENTED NAME DA.TE

S/Shnrnn L. McMahon Sharon L. Mcl\1nhon December 0, 2010Rcv l5 l :1!El fcd lvc 11/9/20[19, CN I D I S"Tbe Mun ic ipa li ty Codes o re ava i labl e a t hltp:llwww.jmliainrv.slnla.ni.l1!I/fcntl!i/CN11343 m un ico des ] 1-Il.'J009.pdf


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FIL ED D ec 07, 2010

C.AD -5935Phclnn Hnllinnn nnd Schm ie g, P .C.- 'lODFellow sh ip Rand , Sui te 1 00M ou nt L au re l, N J 0 80 54(856) 813-5500A t to rneys fo r P l ain ti f fC HA SE HOlvIE F IN AN CE L LCPLAlNTIFF

SU PER lO R C OU RT O F N EW JER SEYCHANCERY D IV IS IONESSE.t"XCOUNTYDOCKET NO: F -057750-10s.

KEV IN L . lY IA SON;! v m s . Iill v iN L . MABON .H IS W I FE ;FIR ST U NIO N N AT ID NA L B AN K;GE CAPITAL RESIDENTIALCONNECTIONS. L tC ;SA ND RA L. M ASO NDEFENDANT(S)

CMLACTIONFORECLOSURE CO?vfPLAINT

CHASE nosrs F IN"AN CE U C, hnving its p lace o f b usi ness all 0 79 0 RANCHOB ER NA RD O RD. SA N DlEGO. CA92127by way of 'Cornplu in t seys:

FIRST COUNT1.011 Ap ri l 5 . 1999, KEVIN L. :MASON. ex ecuted to A nV ANT A NAT IO NA L BANK

on o bli ga ti on (NOTE). to se cu re th e SUIll of :&110,500.00,payable all Apri1lO. 2029. with th eI ni ti al r ot e o f interest of8.125 % p er a nn um . p ay ab le b y p aymen ts 0"[9;820.46 p er m o uth f ori nte re st a nd p ri nc ip al, T he N ote f ur th er p ro vi de s f or n late ch arg e o f 5 p erce nt f or n ny p ayme nt.notreceived 10 days from the date due.

2. To secure the p aym en t o f til 6 obliga tion descr ibed inParagraph 1 . KEV IN L.1vIASONexecuted to AnV ANT ANATlONAL BANK aNON :PURCHASE :M ONEY M ORTGAGE anth e 6 1 1 m e d ote as th e N ote, an d th ereb y c on vey ed to it , i n f ee t he la nd h er ei na fte r d es cr ib ed . onth e express condition th at s uc h OOllveYUUD6 should b e voi d i fp aymen t should be m ade at the tim e

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a nd ti mes, a nd in th e m u nn er d esc rib ed in th e o bli ga ti on . T he Mo rtg ag e w a s r ec or de d in th eO ff ic e o ftb e R eg ister o f ESSEX CDlU1ty, i n B oo k: 7 27 9, P ag e: 4 21 . T he M o rtg ag e w as re co rd edIvluy 1 7, 1 99 9. T he N ote an d M o rtg ag e h av e b ee n a ssig ned a s f ollo ws:

n. O n D ecem ber 1 8, 200 6: A DVAN T A NAT IO NA L BANK assign ed th e m ortgageto D EU TSC HE B AN K N ATIO NA L TR UST CO . FK ABA NK ER S TR UST C O.O F CAL 1F O:RN1 AN .A A S CUS TOD IA N O R TRU ST EE . T he assig nm ent w asrecordedJnnunry16,2007 inBook 12019.Page 4755

b. O n D ecem ber 1S, 2 006: D EU TSCH E B AN K N ATIO NA L TRU ST 90., FK ABA NK ER S TRU ST CO . O F CA IJFO RN IA N .A . A S CU STO DIA N O RTRUSTEE assigned the mortgage to CH ASE H OM E FIN AN CE LLC . Thea ss ig nm e nt w n s r ec or de d J an ua ry 1 6,2 00 7 in Boo lc .12019 , Page 4788

c. The P I ai ntif f is th e h old er o f t he N ote a nd M o rtg ag e.3 . Th e mor tgaged p rem is es . th at is th e l and t lm t s acu re s th e No te . ar e de sc r ibed be low :T he la nd r ef er re d to i n th is C omm itm e nt/ Po li cy i s d es cr ib ed a s f ollow s:Property. TIle properly c on si sts o f'th e la nd n od all th e buildings a nd s tr uc tu re s o n th eland in the C ity of Orange, C ounty ofE sse~ nod 81ma o f N ew Jersey. The L eg aldosor ip tlon is:BEG INN ING n t a p oin t in th e n ori hw este rly li ne o fN orth C em er S tr ee t at a p oi ntt he rein d i st an t northeas te rly 377.88 f ee l f rom t he I nte rs ec ti on ofth e sa me an d th enortheasterly li ne o f P arle A ven ue ; th en ce ru nn in g (1 ) a lo ng th e sn id li ne o f N o rthC en te r S tr ee t N C rtl1 3Z d eg re es 3 2 m in ute s E ast 3 5.5 5 f ee t; th en ce (2 ) N o rth 5 4degrees 25 m inutes W est 1 31 34 feet; thence (3) S 0l11h 35 d eg re es :3 5 m inutes W est 3 5feet; thence (4 ) S D Ul:h 5 4 degrees 2 5 m in ute s E nst2 3,4 4 f ee t; th en ce (5 ) S ou th 3 2d eg ree s 3 2 m im ne s W e st 1 .5 0 f ee t; n nd th en ce (6 ) S ou th 5 4 d eg re es 2 5 m in ute s E nst1 09 .7 6 f eet to th e a fo re sa id lin e o f N orth C en te r S tre et, th e p oi nt a nd p lac e o fBEGlNNlNG.NOTE : 217 N orth C enter S tr ee t, O r ang e, N J 07050 -2854 .N o te : B lo ck : 2 7 Lot 46


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P ro perty A dd re ss: 2 17 NORTH CENTER S TR EE T, O RANG E. N J 07050-28544 . ' The Mo rtg ag e c on ta in s a p ro vi si on th at, to ge th er with, an d ina dd iti on t o. t he mont hl y

p aym en ts o f p ri nc ip al a nd i nte re st p ay ab le u nd er th e te rm s o f'th e s ec ur ed N ota , th e Mo rtg ng or swil l pay t he Mor tgagee, on the first day of each month unti l the note is fully p aid , a sum equa l t o1 /1 2i h o f' tb e a nnuu l t nxes n od i ns ur an ce p remi um s th nt will nex t becom e due, w hich shill beapplied by th e M ortg ag ee to p ay th e ta. 'CBS nnd i ns ur an ce on th e p rem is es ,

5 ,No o th er i na tr ume nt s n pp en r o fr sc or d which meat or may a ff ec t t he p rem is esd es cr ib ed i n Par ag ra ph 3 except;

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u. 1vlRB. K EV II\f L . MASON , InS W IF E is hereby nnm ed n pn rt y de fendan t he re inf or an y lie n, c ln im o r in te rest sh e m ay h av e in , to , o r o n th e m o rtg ag ed p rem is es ,w hi ch w er e a cq ui re d a lte r tI1B date oftha m ortgage, because she is the w ife ofKEVIN L. :M AS ON and it no t b ai ng known whether or Do t h e i s ma rri ed , At th ec lo si ng KEV IN L. l vIASON ex ec ute d n mo rtg ag e wh ic h e sta bl is he d that he w assingle and an y title in teres t or right int he p ri nc ip al ma ri ta l residence w as acquire db y I vlRS . KEVIN L. lvWON. HIS W IFE subsequent to th e sub ject mor tgage ,A ny m ari tn l in te rest MR .S . K EV IN L . 1 vIA SON .;a lS W IF E h as in s uc h p ro pe rty i ss ubor di na te a nd s ub je ct t o t he a fo re sa id mo rtg ag e. This de feudan t I s a lso j oinedf or an y lie n, o ln im o r in terest sh e m ay h av e in , to or on the.mortgaged p rem is es by" irma o f'th e D om e sti c P ar tn er sh ip A ctN .J .S 2 5: 8A -6 .

b. G E C APITA L R ESID EN TIA L C ON NEC TIO NS, LLC is hereby D om ed a partyd ef en dn nt h er ei n f or n ny li en , 0 1 ai m o r in terest sh e m ay h av e in " to . o r o n th emor tgaged p rem is es by v ir tu e o f th e f ollow in g MORTGAGE.

L Kevin L.Mason T O G E CAP IT AL R ES ID EN TIA L CONNECT IO NS.L l.C , d ated Ju ne 2 0, 1 99 9 D .JJdec ord ed A ug ust 4 , 1 999 inBoo k 7 32 2,P ag e 6 71 . T o se cu re $ 8,2 38 .0 0.

c. SANDRA L. IvlASON is h ereb y n am ed a p nrly d ef en dan t h erein f or n ny lien ,claim o r in terest sh e m ay h nv e in, to, or on th e mor tgaged p rem is es by v ir tu e o fth e f ollow in g c hi ld s up po rt ju dgm en t f or any a rr ea ra ge a cc ru ed f oll ow i ng th er ec or di ng o fth e a fo remen ti on ed mo rtg ag e.

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i. SA ND RA L M ASON versus K evin L.Mus 0 0 filed inth e S up er io r C ou rtof N ew Jersey, Judgm ent N o: J-176256-2007 entered on July 3, 2007. N oamount p rov ided .

6 .The ob lignt ion desc r ibed inP arag rap h 1 contains a n a gr eemen t th at ifany installmentp aym en t o f'i nte re st a nd p ri nc ip al, ta xe s a nd i ns ur an ce p rem ium s r em ai ns u np ai d f ur 3 0 d ay safter ih e date it is due, the w hole principal SUIll, w ith nU u np ai d i nte re st, s ho uld a t th e o pti on o fth e a bo ve u am e d Mo rtg ag ee o r th e h ei rs , e xe cu to rs, a dm i ni str ntn rs , r ep re se nta ti ve a o r assigns.h en om e imme di ate ly d ue a nd p ay ab le .

7 .The de fendnn1( s) named in paragraph #11 lboVB, o r t h e g ra nte e o r g ra nt ee s, ifany, oft he d ef enda nt, h av e d ef au lte d inmnld ng th e p ayme nts to th e p lain tif f u s req uire d b y th e term s o ffh e obl iga tion WIdMortgnge referred to inpnrngraphs #1 an d #2 a bo ve , T he p aym en ts h av ere mai ned u np aid f or m ore th an 3 0 d ay s f ro m th e d nte th e p aymen ts were d ue , a nd a re s ti llunpaid. Benause th e defendants have defaulted, Plaintiff bas electedtliat th e whole unpaidp ri nc ip al s um d ue o n t he o bli ga ti on a nd Mo rtg ag e referred 1 0 i n p arag rap hs # 1 an d # 2, with ni lu np ai d i nte re st a nd a dv an ce s made, shall now b e d ue,

8. Any i nte re st o r li en whi e h th e d ef en dan ts h av e, o r c lai m to h av e, jn or upon them o rtg ag ed p remi se s o r som e p ar t th er eo f i s s ub je ct 10 th e l ie n o fp ln in ti ff 's mo rt ga ge .

9 . N oti ce w as se nt il l compliance with th e fair f ora c lo su re a ct m ora th an 3 1 d ay s p ri or tof il in g o f' th e w i th in c omp la in t.

WHEREFORE . p la in ti ff demands judgment :n. Fixlng the nm ount due on its mnrtgage,b . B arri ng a nd f ore clo sin g th e d ef en dan ts n nd each o f'th em o f all equity of

redemption into s ai d la nd s.-0-


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o. Directing that the plnint.iffbe pnid the umount due on its mortgage with Interestan d costs.

d. Adjudging that snid lnnds be sold according to lawto satisfy the amount dueplniDtifE.

e. Appointing n receiver ofrents, issues and profits ofsuid lunda,

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_ SECOND COUNTL By the term s of the N ote/B ond nnd M ortgag e ref erred to ill paragraphs #1 an d #2 of

the F irst C ou nt of this C om plaint, the plaintif fis entitled to possessio n o f'a truct o f land with th en pp ur te nn nc es a s mo ra p ar tl cu ln rl y d es cr ib ed inparagraph # 3 of the First C ou nt

2. On September 1 0,2 01 0, t he p la in ti ff by the term s of the N ote/B ond and M ortgag e,b ecom es en ti tle d to p osse ssi on o f'th e p remi se s d esc rib ed inparagraph #3 of 'th e F irst C ou nt ofth is Compln in t excep t fi S ngainBtthose tenants protected u nd er N .J.S .A . 2A: lS61.1. e t s eq .

3. O n A ugust 10, 2010.,111amortgage went indefault, An i ns ta llmen t o f'p ri nc ip nl a ndinterest, insuran ce and tax es w as due and h aa not been received by the pi nintifE

4 . T Ile defsn dnnts nam ed inparagraph #1 nn d paragraph #5 of the F irst C ou nt of thisC om plaint have or m ay claim to have certain righ ts in the prem ises described inp ara gr ap h # 3 o fth e F irst C ount o f t his C om plaint and by re as on th er en fh nv e si nc e th e d ote se t forth in paragraph# 2 a bo ve d ep ri ve d th e p ln .i nti ff he re in o fth a p osse ssi on o f th e p rem i ses af ore sa id .

WHEREFO Ir n, P la in ti ff d em an ds ju dgme nt ag ai nst d ef en da nts except t ho se per sonaprotected u nder N J.S .A . 2 A: 18 61 .1 , at seq.;

a, F or p osse ssi on o f th e sa id p remi ses to p la in ti ff i ts su cce sso rs o r a sai gu ee an d/ orth e p urc ha se r o t a f ore clo su re sale .

b. F or d am ag es f or m ea ne p ro fi ts.a. For cos ts .

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TIITRD COUNT1. F ir st U n io n N ati on al B an k. i s h er eb y n am e d a p ar ty d ef en da nt h er e-i t,f or any l ien , c la im

or in te rest itm ay have in, In o r o n th e m ortg ag ed p re mises b y v irtu e o f th e f ollo win gmo rtg ag e. U p on iDf or Im ru on n nd b eli ef : s ai d m o rtg ag e b as b ee n sa ti sf ie d. b ut n otdischarged of record.

a. K evin L N Im mo and JvInry R. Mason 10H om e L oan an d In vestm en t B an k, F.B.B.d ated A ug ust 8 , 1 99 7 n nd ra co rd ed A ug usl1 9, 1 99 7 inMortg ag e Book G 8 7 1 Page566 Tp Secur e $107. 200.0 0.

i, HOlle Loan Investment Bank, F.8.B assigned 10 FmBT UNIONNAT IO NA L BANK, dated D ecem ber 8,1997 nnd W as recorded M ny 26.1998 inBook BU, P ag e 4 98 .

ii, We lls F ar go B an k, N ati on al A ss oc ia ti on i s s lb /m to Wnoh ov in B an k,Nat ionnl Aasoo in t ion isf11c1aFi rst Uni on N ati on al B an k

WHEREFORE, p la in ti ff d emand s j udgment :a. Enning nnd foreclosing First Un io n N ati on al B an lr 's i nte re st i n a nd to th e s ub je ctpremises;b. Costsof suit,

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CERTll'rCATION PURSUANT TO RULE 4:5-1

T he m atter i n co ntro ve rsy in tills Com plain t is not the subject of any o th er a ctl o n p en din ginnny oilier C ourt nor is it the sub jem of a pending Arbitrnti 011 pr o ca ed in g, n or are. a ny o th eractio ns o r A rb itratio n p ro ceed in gs co ntem plated . an d f urth er. to tile best afmy k no wled ge, allp arties w ho sh ou ld b ejo in ed in th is n otio n h av e b een jo in ed , p lain tif f'h ow ev er reserv es its r ightto inst itu te a def ic iency sui t following th e fb re olo su re co nsisten t w ith th e appropriate New JerseyStn1utes.

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CERTIFICATIONIn nccordanoe with Rule 4:5-1(b)(2). I h ere by o er ti fy th at p ur su an t to R ule 4:64--1(a),

p ri er -t o f il in g t he w it hi n c omp la in t" r h uve caused a title search of 'th e pub lic reco rd to be m ad efor the purpose of.identifying nuy lien holders or other persons or entities with an interest intheproperty thnt is the subject ofthis foreoloanre.

PHELAN HALLmAN & S CHM IEG, P CS /S hn ro n L . MclvlnhonSharon L. MoMc1lO~ Esq.Attorney for Plaintiff

Dated: December 6=20] 0

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NOTICE REQ UIRED BY THE FAIR DEBT COLLECT ION PRACT IC ES ACT , (the act),I5.U .S.C . SE CT ION 1601 A S AMENDED

Ifthis notice is the f irst n oti ce th at y ou have rec ei ve d f rom th is o ff ice , p lea se b e a dv ise d o f t hefollowing:1. T he am ou nt of fhe original d ebt is stated in paragraph one of the C om plaintattnobed hereto.

T he P lnintif fw ho is nam ed in the attached S umm ons nnd C om plnint is th eC reditor to w hom ilia debt i s owe d.3, The debt described in t he Complai nt uttached h ere to an d evidenced b yth e c op y of

fhe Mortgage/Note will be assumed to be valid by tile Creditor's law finn, unlessthe Debto r fs ) , within thirty days n : f t e r receipt offhis not ic e, d is pu te s, i n wr it in g,Ih e v n li dity o f'th e d eb t o r some p or tio n th ereo f :

4. Ifth o D eb to r n oti fi es th o C re di to r's law firm inwri ti ng w it hi n t hi rt y d ay s o f't hcreceipt of t his notice that the debt or an y portion thereof is d ispu ted , the Credi tor 'slaw fum will obtain verification of th e debt and n c op y n ff he v er if ic at io n will bemulle d to th e D eb to r by t he C re di to r' a I aw f ir rn .

5. Ift he C red itor who i s n amed DS P la in ti ff 'i n t he a tt ac he d Summons a nd Ccmp la ln tis not 1 h B original creditor, an d ifthe Debtor makes a request to the Creditor's lawfirm within thirty (3Q)days :from the receipt of th is no tice, the name and addressof the original Creditor will he mailed to the Debtor by Creditor's Iuwfirm,6. Avn.iling your-self nffhe rights sa f or th a bo ve d oe s not mean that you ore no t also

r eq ui re d t o r es po nd illuccnrdance with th e summon s attac hed h er eto . th atindicates thnt you have thirty -five (35) days fmm tim e of service in w hich 10 illen od a nswe r w it h t he c ou rt . ,\ \l1 11 Iey ou mn.y a va il y ou rs el f o f't he r ig hts s et f or thabove. that will n ot, i n an y ev en t, su sp en d th e p ro ce ssi ng o fi li a w ith in f or ec lo su reaction, Further 1 1 0 t e that consistent w it h t he s ummons a tt ac he d, you have therigbtto file an OllSWBr and disputethe allegationsofthe complo.intby filing snidanswer with the clerk o f t he court lipan p aymen t o f an $ 13 5.0 0 f ee . As set fo rthin the summons, failure to f ile an answ er or otherwise p le ad w ill re su lt i n d ef au ltbeing entered upon y ou an d, in all l ik ell ho od , t he s ub je ot p ro pe rt y b ei ng sold at as he ri ff s al e if a rr an gemen ts a re 110tmnde with t he p la in ti ff c on ce rn in g th emor tgage indeb tedness.7. Sbould you desire a statem ent ofthe am ount due. you m ay contact Phelan,

Hallinan, & Schmieg, p.e. 400 Fellow sh ip R oad, S uite 100. Mount L au re l, N J0 80 54 an d sam e w lll b e p ro vi de d to y ou o r y ou r le gal re pre sen ta tiv e.8.. A s of the date oftbis pleading, the total am ountneceesarytc pay of fthls lonn is$ 9.9 ,8 53 .0 6. B ec au se o f i nt er es t, la te c ha rg es , a nd o th er c 1 1 n r g e s th nt m ay v ary


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f ro m d ay to day. the am ount due on the day of paym ent m ay be greater, H ence; ifth e am ou nt shown ab ove is p aid , n u a dju stm en t m ay be n ecessary af ler p lain ti ff sc ou nse l r ec ei ve s th e c he ck . in wh ic h e ve nt th e b or rowe r w ill b e i nf orm ed b ef or ed ep osi ti ng th e c he ck f or c olle cti on . F or f ur th er i nf ormn ti ou , p le ase w ri te th eu nd er si gn ed , o r c all o ur o ff ic e by telephone.

:


56/80

Exhibit 2

,;

i'1I


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Hx ! la te /1 'imeFeb 22 11 0 1 : 33p rI iU-ZZ-2Ul J !'I'U li) 14: 3UCity O f O r an ge Y 7 3 b 7 4 b Y Y 49736746994 P . U U Ip.1

, KEVIN L.:JR'IR c:EmTER S'lREE':CB liIJ

485- - - , : 5 B L 6 ' 1 ' - n i C K ; < ; f i 7 7 L f i r ~ : ' -1.006 04.4.

0'1050

pG 1!UlXES JdJ 6LOC.: 2:1.7NORTH CEN'mR. S~ l jt:.T-(l?R01?DE5C~ 37X131 / v c%_Df . . _ 6 t a f o " -SALE DATE: _~nEOce. CO! E ** "'D'" IBl\NK: 00000 ** NO MORTGAG < j f s : g 1

______________ [ 2009 ]--------------IMPROVE: 225,200 !I!OT.VAL; 297,400 DWUC. oTOTAL TAX CI3:llRGES CREDITS mu.ANCE IN!l!.PAID!I!BH. ':fYP4,467.Z8 2,319.29 0.001 2/01./09 BilsRG 2,319.29 3/23/092,319.29 0.00 D . O O3/23/09 Pay :RG 0.'71 -0. '11. 0.00 3/23/092 3/23/09 Pay RG 2,147.28 0.00 5/29/095/01/09 BilsRG 2,1.47.99 7/0S/096/30/09 'i!ay RG 2,161..24 -13.96 3B.76

7/29/09 Olf! RV -13.96 0.00 0.00 7/,?-8/09APPLY TO 2009 3RD 7/28/093 7/28/09 a l p AP :1.3.96 -13.96 0.00APPLr Fa 2009 2ND

5,165.51 a/l-0/09B/Ol/09 BUsRG 2,582.76 2,56B.BD 0.008/31/09 Pay RG 2,500.00 6a.80 0.00 8/2e/0911/20/09 Pay RG 6B.80 0.00 1.21 :1.1/20/09

4 11/01/09 BlleRG 2,582.75 2,582.75 0.00 8/IO/D911./20/09 Pay RG 2,582.75 0.00 1 6 . 9 B 11/20/09YEAR ';eOTAL: 9,632.79 9,632.79 9,632.79 56.95

--------------[ 2010 J - - - - - - - - - - - - -LAND: 72,200 IMPROVE: 22S,2QO 'l'O'r.VAL: 297,400 DEDUC: 0Qm -DATil- !mN.!I!YP TO'rAL :rAX cruu;u;ES CREDITS BALANCE rN '. l! PAID

4,059.901 2/0~/J.O Bil.sRG 2,034.95 :2,034.95 0.00 4/22./J.05/20/10 Pa y RG 2,034 ..95 0.00 0.00 5/20/J.02 5/0:1./10BUsRG 2,034.95 2,034.95 0.00 4/22/l05/:2.0/10Pay RG 1,465.05 569.90 0.00 5/20/~O

10/13/~O Pay RG S69,90 0.00 18.H lD{:L3/105,087.05

3 8 /01 /1 0 BilsRS 2,543.53 2 ' . ' 1 0" 0,00 8/30/1010/1.3/10 Pay BG 1,039.02 1,50 .51 72.97 10/13/1012/22/10 Pay RG 1,504.51 .00 51.91 12/21/104 U/O~/10 Bil.sRG 2,543.52 2,54 .52 0.00 S/30/1012/22/10 Pay RG 2,543.52 .00 64.86 12/21/10YEAR !rOTAL: 9,156,95 9,156.95 9,156.95 207.85

- - - - - - - - - - - - - - r 201~ ] - - - - - - - - - - - - -LAND: 72.200 I:MPROVE: 225,200 TOT.VAL: DEDOC: 0Q~ -DMEl- TRN.TYP ' :eOTAL TAX CHARGES CBEDITS CE INT_PAID4,807.40l. 2/0:1./11BilsRG 2,403.70 2,40 .70 0.002/16/11 Pay RG 2,403.70 .00 0.00 2/16/11DAR TOTAL: 4,B07.40 2.403.70 2r403.70 0.00


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H x I l i l t e / T l m eFeb 22 11 01 : 33p

HU-ZZ-ZUll ('I'Ur:j 14: 3UCily O f O r an g e

2/22/1.1 REAL ES!rATE TAX !.EDGER TAXESLOC.: 2J.7 NORTH CEW~ER 51'

( CONTINrJED )NAME; MASON, KEVIN L.

- EA'YMElNTS BY DA!CE --DA~E- 2RN.TYP YR.Q.TYP PAY TOTAL

y'/H'/4hYY4 9736746994

CREDITS BAIJl.NCE !NT.PAID

p . 2

p c ; 2

- PAYMENTS BY DA'fil--DATE- 'l!EN. TYl? YR.Q.'l'YP PAY TOTAL CREDITS BAIJ>.NCE INT . PAID3/23/09 Pay AI' 2009.LR 2,3J.9.29 0.00 0.003/23/09 Pay ~ 2009.2.R o.n -0.71 0.00-------- 2,320.00 2,320.00 0.006/30/09 P a. y A P 2009.2.R 2,161.24 -13.96 39.76

- - - - - - - - - 2,200.00 2,J.61.24 38.767/2B/09 oIl? rol 2009.2.R -13.96 0.00 0.00APPLl:'TO 2 009 3 RD

7/28/09 O/p AP 2009.3.R 1:3.96 -23.96 0,00APPLY E'R 2009 2t'lD-_.. . _ - _ - 0.00 0.00 0.00

8 /31 /09 Pay AI? 2009.3.R 2,500.00 68.BO 0.00- - - - - - - - - 2,500,00 2,500.00 0.0011/20/09 [lay AI ? 2009.3.R 68.80 0.00 1.2211/20/09 Pay AP 2009.4.R 2,582.75 0.00 16.98- - - - - - - - - 2,669.74 2,651.55 lB.195/20/10 Pay AI 20I0.1.R 2 ,03 4 . 95 0.00 D.OO5/20/10 Pay AP 2010.2.R 1,4Ei5.05 SEi9.90 0.00

- - - - - - - - - 3,500.00 3,500,00 0.0010/13/10 Pay AP 2D10.2.R 56B.9O 0.00 18.1110/13/.10 'Flay AI' 2010.3.R 1,039.02 l.,504.5l 72.97- - - - - - - - - 1,700.00 11609.92 91.08:.12/22/10Pay AP 2010.3. R 1,504.5~ 0.00 51..91l2/22/10 Pay AP 2010.4. R 2,543.52 0.00 64.86---- . . . .--- 4,.164.80 4,048.03 116.772/15/U Pay AP 20ll.l.R 2,403.7D 0.00 0.00------- 2,403.70 2,403.70 0.00

-LAST PAYMEN:!! RECOfiD-- BACKGRO~ NOTES

- NO NOTES -


59/80

Exhibit 3


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c ap tu re C ate : 0 5 12 41 20 1 0Sequence#: 4470774847

KEVIN L MASONMARYSMASQN217 N CENTER STORANGE NJ um~4

-_--5-14- It) ~I.l1!J!DIIII

BankofAmerica..-

._ . 'f..n. . . . . . .

" '. .

lila IU!!c~c: 1I: l : Idan31!!1111!!1~. I'ound%)10 1'1 lYe1!! l ~_ts ftnmd

Page 12 of22. . . . .~--.-- P r In t R ! !q ;# 20 110 2DB 0 0 2 22 1. . . . . - - - - - - - _ _ _ . T ue F eb D B 1 8:1 1:3 0 CST 2 01 1Z;0 39 '11d 1 1 I 5 B 9 B L 9 E L 6

..,nn.l ncrnnlnrJc cc r t t fUn ...\lln:l_J:I_n:J.J


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BankolAmerlca ~~

Capture Date: 1011512010 sequen!;E! #; 4:370043735

KEVIN L MASON2J1 N CE1(J"EASTOAANGE.: NJ 01O!iO.~~

132J/) -13 -/0 ~~1:_~ _1i~__ ~ ; " i 7 0 6 ,$

~~~~~~~~~~~~~.~Bank of Am erica

{ o j . . . ., '1 1~--olllln.;

. .. .'_. . . . ,. . . .: i"

Nc ~lDcercnicEndors~~B FcunQN~ Pay~eEcd~ssman~sFauna

Page 19 of 22 Print Req:;I2011020B002221

EI3 39V'd..nn '..1 n r : c o o l O C I I :

'rue Feb OB1B:11:30 C5T 2011

1 3 6 9 9 S L 9 E L 6c c : J I (unu, I I n:J_l :I_a:l J ;lIlt J 1>11 nn 101


62/80

Amount: $4,164.80.Account:Bank Number:

sequence Number: 4670232603Capture Date! 12/24/2010Check Number. 304

K EV IN L M ASO NMARYS MASON2f1 N CENTER STORANGE N J lml!iO-iSM

304~:IJI2IZ /IJiOlIJJ

1.:. --- . . -_.~.-- iii .... _~ ....... ..: : = - .: :~ ': . . : . , : ~ :- . : - .- :_"9"_::-U:.- 1._:L:.!:_U-:'_~~

t1 0 39t1d [ ; J 6 9 9 8 L ! 3 E L En" n .1 n l : r n n l n r l l : I:C! It {UnIJ'1 I n::l_1 ::l_Il'JJ . . l ilT I J .. ,pn ~nl


63/80

Exhibit 4


64/80

January St;h, 2011

(~\ !i~.?~~ .f ~;,uu..u_. ~Iti1u L]. LI:J1......... ,"- __ " .. ,_ ,...;_---t',:._ _'1 r I" 'r C r " 'j=~.,.,' ,V!, ~.Im~ ~ O U T Il O R A I, Il E N J I . ! ~ O il lI J,r6HIi4Dl;-! -,j~II


65/80

Exhibit 5


66/80

******.* **New Payment Amount**iI.*"'*****'JIr*Principal & Interest: $ 828.97Total Monthly Payment! $ 997.70Effective Date: May 10, 2010RE~ Home Mortgage Loan 0012429379Rata Change NoticeD ear M or tga go r(s) :Our records indicate that your loan, secured by a Mortgage on the propertylocated at 21 7 N center 5t, Orange NJ 07050,is scheduled to be adjusted as of April 10, 2010 effective with theMay lOr 2010 payment.Based on the monthly payments due by April 10, 2010, your principalbalance will be $ 3 6,1 46. 56. Your interest rate of O.1 2500~ willbe in effect until the neKt adjustment date of october 10, 2010.The current Lncex value is 0.38688(, which is basedon the WSJ 6 MO LIBOR FIRST BUSINESS DAY effective forMarch 01, 2010.The calculation routine resulted in no change to your interest rate.Your principal and in~erest payment will remain $ 82B.97.******T***Y************************T~~~~k****************************+**~'Interest Rates are determined as follows;! ?r e vi ou s I nd exMarginPrevious Interest Rate

O.75500~14. 87500'.~B.12500',CUrrent IndexMarginNew Interest ~ate

O . 3 B 6 B8 ' ~4.B750Q~B.12500'bNote: The interest rate may be subject to a .1 2500 '! i ro unding fact or.***~*~****~**************~***~**********~*********+*+********************Chase's qoal is to provide the highest level of quality service [or eachof our customers. If you have any questions concerning this rateaojustment, please contact customer Care at (800) 54 8-7 912 .We appreciate your business and ~alue cur relationship with you.Sinl;;erely,

Lindsay N. HindererSupervisorAdjustable Rate Mortgage Department

'[8 39\"JdI n n ',j


67/80

950.1210

Customer Receipt I Recibo del Cllonte www.westernunlon.com

HOSPITRL SWEET SHOP1 7 1 S ESSEX AVEORANGE NJ 07050Oper 1D: APH Quick Coll~ctIZIl/19/10204P EST MTCN: 1a5-372-1127

Sender/Remitente: KEVIN MASONReceiver/Destinatario: CHASE HOME FINANCECode City/Codigo d~ la ciudad: RANCHO CAA~count #INumer o de cue nta: 001 2 4 2 (Par~ial/Pareial)Referenc~ ~jNumero d e ~ af ar en ~ia =Attn/Atencion:

W~5tern Union Card Numbe~ I Numero de Tarjeta: 967685886Total WU Card Points/Total puntos en tarjeta WU 130Assigned WU Card Points/Puntas asignados a la t ar je t: a W U 5

1 2 . 9 99e.2.9'3

u n " , . .. . . . lI' J ' ,. . . . a -t t-..r ....... ~;i..~~:~t'~r,~1 ,1'

-_'~~JPH,ONE:'TIJrlE! Your Gold Card has a rel:'hargea.ble LONG DISTANCE phone ~ard.~~~tur9.Rates a~ low as 3 .9 c/m in ute with in ~gntinental U.S. No Hidden fees .. R e r t t , tlme with cash at AgentA Call 1-888-:520-7924 to use a cr'editJdebit car:d.~~*-"Upg\"'ade to the NEW ReLlJadable Westet'n Union Sold Cal"'d Visa Prepaldr CaroE;t!--jirr,es tD upgradQl:'~nd NO monthly maint, Or' pl.trchasll tl~ans;aetion fees.' Sign up:- .; ,"U?ijlY,at ,mygQldcarddebit. COlli - No bank account or cl"'edlt c:heek retp.lil"ad. ..~.1.:~::,wJ~,__. t.: I 1 :.

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68/80

Car-'gos:S~tv ici o :1: $ 12.9'3'337.9'3

-Customsr Receipt I Reclbo del Clients WWw.w9sternunion.com

HOSPITRL SWEET SHOP1 7 1 5 ESSEX AVEORANGE NJ 1217050Dper 10: APH Quick Collect1ZJ2/19/1~120GPEST MTCN: Sgl-0B5-4160

Se nd~ r/Re mit ~n te : K EVIN M RSONReceiyer/D~stinatario: CHRSE HOME FINANCECode City/Cadigo de la ~iud~d: RANCHO CAAccount ./Nume~o de cuenta~ ~~124e (Partial/Parcial)Reference ~/Numero de referencia:Attn/Atenci an:

: Weste.t'n Union Card NI.lmbel~ i NI_lmer'o de Ta~'Jeta: 9E..7E.B5BB5.Total WU Ca~d Points/Total puntos en tatjeta WU 14~,~s5igned WU Card Points/Puntos asignados a la tarJeta WU 5tidad:

Ili"1il.~l!l~IIZ0 39\7dann '.I 06998L9EL6M ~ C C D J t l L ' t ! : ; J n n~n Inu t , I I n:l-b:l_O'JJ ::I'" r I /;:11 Dn !t 1/
http://www.w9sternunion.com/http://www.w9sternunion.com/


69/80

WESTERNIIUNION

12.99862.99

CU&tomof Receipt J Reclbo del Cllanle www.waslornunlon.com

HOSPITRL SWEET SHD~1 7i S ES8EX ~1. )EO R R N G E N J 1 Z l 7 t l J 5 ~

Deet.: _~D;lZ l . : u . .::1:.. ' 1 1 2 11: 'J~1r. EDT MTCNL 985-450-1B23Send e'" tR E ! mitS' nte: KEV rN r , 1 r - t 8 L i l jReceiver/Desttnatarioc CHASE HOME FINANCECode City/Codigc d~ la eiuded; RANCHO ~R .Acc~unt ~/Numero de cuenta: 00124~ [Psrtlal/Pa~Clal}RefsYi!nce #/l\tumr;]rCl de t"ef,n'''''f1ci,'1':FH;tn/f.ltencion ~

Aglnl SI;nalllrwl Cut_l lIn ll lurt IFlnnD dill AJICII1IZ I Flrm ll dill Clillm .IN ADcmCN TO THE TRANSFER FEE. WES TERN UNION ALSO MAKES MONEY WHE N IT CHAN GES '(O UR D OLLAR S IN TO FO RE IGN CURRENCY.PLEASE SE E REVERSE S ID E F OR MO RE IN FO RMAT IO N R EGAR DIN G CUR REN CY EXC HAN GE. IF mE EXCHANGE RAT E F OR 'f OUR TRANSACT IONW AS DETERMINED ATTHETlMEYOU SEN T THE MONEY.T HE CURRENCVTO Be PAlO OUT AN [)T HE EXC HAN GE R AT E AF lE IJST ED D NYD UR R ECE IPT .O Tl-IER W ISE . T HE EXCHAN GE R AT E W ILL BE SE r W HE!UT HE R ECE IVER R ECE IVES T HE FUN DS. CER TA IN T ER MS AN D CO NO InO NS GO VER NIN G T HISTAAN5AcnON ANDTHE SERVICES YOU HAVE SELECTED AR E SET FORTH ONYME REVERSE SIDE. BY SIGNING T HIS R I:C EIP T , Y O U ARE AGREE I NGlOTHOSETERMS AND CONDmONB.AD!AS D E LO S CARGOS PO R EL SER VIC IO O ET R AN S fER EN C lA, W ESTER N UN IO N TAMB IEN GAN A D IN ER O CUAN D O CAMBIA BUS 0 6U '!R ES AMO EDA EX1RANJERA. PDR FAVOR LEA AL REVERSO MAS IN FO R MAC IO N S OB RE EL CAMBIO OE MONEOA. 51EL TlPO D E CAMBIO PARA SUi l l b ~ c : ~ ~ ~ I ~ ~Jl.ER~cW8. ~ t 'oM8~R~~~ ~ ~ : N l ' g I , } B ? b N ~ ~ O F 1 J ~ R ' 1 ~ a 2 ~ J ~ ~~ T T i A ~ ~ , t , F t l c ~ r 6 k1 J 6 g 1 1 ' b E s ~ ~ B ~ ~ ~I.!..E RM lN O S Y C O ND IC IO N ES QU E R IG EN E ST A TRANSACCluNV LOS S ER VlC IO S Q UE USTED HA ELEG ID O SE ESTABLECEN EN LAS AL R EVER SO . ALF1RMARESTE RECIse. usren OECLARA QUE ESTA DEACUEFiDO CON E SO S TE RM IN O SY C O ND IC IO N ES .

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www.wellternunlon.colJCustomer Receipt I FlacJbo del Cllenle

rl08P 1TAL ShlEJn SHOi::,1,..L 5 ESSEr. A'JE:i :lH r = iI \ IG t .: N J 07D~el

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8/6/2019 Chase v

chase v mason exhibits 1-4

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