John Henry Doe

123 Main Street

Anytown, Texas [12345]
CREDT!R "AME HERE
123 R#!$$ %A"E
A"!THER T!&", T' 54321
ATT"( ACC!)"T MA"A*ER
Certi+ie, Mai- .( '''' '''' '''' '''' ''''
"o/e01er 13, 2223
RESPA QUALIFIED WRITTEN REQUEST, COMPLAINT,
DISPUTE OF DEBT & VALIDATION OF DEBT LETTER,
TILA REQUEST
This letter is a qualified written request in compliance with and under the Real
Estate Settlement Procedures Act, 12 US! Section 2"#$%e& and Re'ulation ( at 2)
!*R +$##, and The ,ramm -each .lile/ Act
REF: Alleged Account # 123456789
Dear Madam or Sr:
! am "rtng to #ou to com$lan a%out t&e accountng and 'er(cng o)
t&' mortgage and m# need )or under'tandng and clar)caton o)
(arou' 'ale* tran')er* )undng 'ource* legal and %ene)cal o"ner'&$*
c&arge'* credt'* de%t'* tran'acton'* re(er'al'* acton'* $a#ment'*
anal#'e' and record' related to t&e 'er(cng o) t&' account )rom t'
orgnaton to t&e $re'ent date+
,o date* t&e document' and n)ormaton ! &a(e* t&at #ou &a(e 'ent*
and t&e con(er'aton' "t& #our 'er(ce re$re'entat(e'* &a(e %een
un$roduct(e and &a(e not an'"ered man# -ue'ton'+
!t ' m# under'tandng t&at #our com$an# ma# &a(e %een accu'ed o)
engagng n one or more $redator# 'er(cng or lendng and 'er(cng
'c&eme'+ A' a con'umer* ! am e.tremel# concerned a%out 'uc&
$ractce' %# an#one* let alone t&' mortgage com$an# or an#one "&o &a'
an# ntere't t&' matter+ ! am concerned t&at 'uc& a%u'e' are
targetng t&e uneducated and unn)ormed con'umer and d'ad(antaged*
$oor* elderl# and mnort# Amercan'+
/eedle'' to 'a#* ! am mo't concerned+ ! am "orred t&at $otental
)raudulent and dece$t(e $ractce' %# un'cru$ulou' mortgage %ro0er'1
'ale' and tran')er' o) mortgage 'er(cng rg&t'1 dece$t(e and
)raudulent 'er(cng $ractce' to en&ance %alance '&eet'1 dece$t(e*
a%u'(e and )raudulent accountng trc0' and $ractce' ma# &a(e al'o
negat(el# a))ected an# credt ratng* mortgage account and2or t&e
de%t or $a#ment' t&at ! am currentl#* or ma# %e legall# o%lgated to+
! &ere%# demand a%'olute 1
't
&and e(dence )rom #ou o) t&e orgnal
uncert)cated or cert)cated 'ecurt# regardng account num%er
123456789+ !n t&e e(ent #ou do not 'u$$l# me "t& t&e (er# 'ecurt#
t "ll %e a $o't(e con)rmaton on #our $art t&at #ou ne(er reall#
created and o"ned one+ ! al'o &ere%# demand t&at a c&an o) tran')er
)rom #ou to "&ere(er t&e 'ecurt# ' no" %e $rom$tl# 'ent to me a'
"ell+ A%'ent t&e actual e(dence o) t&e 'ecurt# ! &a(e no c&oce %ut
to d'$ute t&e (aldt# o) #our la")ul o"ner'&$* )undng* enttlement
rg&t* and t&e current de%t #ou allege ! o"e+ 3# de%t ! am re)errng
to t&e $rnc$al %alance #ou clam ! o"e1 t&e calculated mont&l#
$a#ment* calculated e'cro" $a#ment and an# )ee' clamed to %e o"ed
%# #ou or an# tru't or entt# #ou ma# 'er(ce or 'u%'er(ce )or+
,o nde$endentl# (aldate t&' de%t* ! need to conduct a com$lete
e.am* audt* re(e" and accountng o) t&' mortgage account )rom t'
nce$ton t&roug& t&e $re'ent date+ 4$on rece$t o) t&' letter* $lea'e
re)ran )rom re$ortng an# negat(e credt n)ormaton 5) an#6 to an#
credt re$ortng agenc# untl #ou re'$ond to eac& o) t&e re-ue't'+
! al'o re-ue't t&at #ou 0ndl# conduct #our o"n n(e'tgaton and audt
o) t&' account 'nce t' nce$ton to (aldate t&e de%t #ou currentl#
clam ! o"e+ ! "ould l0e #ou to (aldate t&' de%t 'o t&at t ' accurate
to t&e $enn#7
8lea'e do not rel# on $re(ou' 'er(cer' or orgnator' record'*
a''urance' or ndemnt# agreement' and re)u'e to conduct a )ull audt
and n(e'tgaton o) t&' account+
! under'tand t&at $otental a%u'e' %# #ou or $re(ou' 'er(cer' could
&a(e dece$t(el#* "rong)ull#* unla")ull#* and2or llegall#:
!ncrea'ed t&e amount' o) mont&l# $a#ment'+
!ncrea'ed t&e $rnc$al %alance ! o"e1
!ncrea'ed e'cro" $a#ment'1
!ncrea'ed t&e amount' a$$led and attr%uted to"ard ntere't on t&'
account1
Decrea'ed t&e $ro$er amount' a$$led and attr%uted to"ard $rnc$al
on t&' account1 and2or
A''e''ed* c&arged and2or collected )ee'* e.$en'e' and m'c+ c&arge' !
am not legall# o%lgated to $a# under t&' mortgage* note and2or deed
o) tru't+
! re-ue't #ou n'ure t&at ! &a(e not %een t&e (ctm o) 'uc& $redator#
'er(cng or lendng $ractce'+
,o n'ure t&'* ! &a(e aut&or9ed a t&oroug& re(e"* e.amnaton*
accountng and audt o) mortgage account # 123456789 %# mortgage
audtng and $redator# 'er(cng or lendng e.$ert'+ ,&' e.am and
audt "ll re(e" t&' mortgage account )le )rom t&e date o) ntal
contact* a$$lcaton and t&e orgnaton o) t&' account to t&e $re'ent
date "rtten a%o(e+
Agan t&' ' a :ual)ed ;rtten Re-ue't under t&e Real E'tate
Settlement 8rocedure' Act* cod)ed a' ,tle 12 < 26=5 >e?>1?>3? >e?
and Reg+ @ < 35==+21>)?2 o) t&e 4nted State' Aode a' "ell a' a
re-ue't under ,rut& !n Bendng Act 5,!BA6 15 4+S+A+ < 16=1* et 'e-+
RES8A $ro(de' 'u%'tantal $enalte' and )ne' )or nonCcom$lance or
)alure to an'"er m# -ue'ton' $ro(ded n t&' letter "t&n '.t# 56=6
da#' o) t' rece$t7
!n order to conduct t&e e.amnaton and audt o) t&' loan* ! need to
&a(e )ull and mmedate d'clo'ure ncludng co$e' o) all $ertnent
n)ormaton regardng t&' loan+ ,&e document' re-ue'ted and an'"er'
to m# -ue'ton' are needed %# m# 'el) and ot&er' to n'ure t&at t&'
loan:
;a' orgnated n la")ul com$lance "t& all )ederal and 'tate la"'*
regulaton' ncludng* %ut not lmted to ,tle 62 o) t&e Re('ed
Statute'* RES8A* ,!BA* Far De%t Aollecton Act* DEE8A and ot&er
la"'1
,&at an# 'ale or tran')er o) t&' account or monetar# n'trument* "a'
conducted n accordance "t& $ro$er la"' and "a' a la")ul 'ale "t&
com$lete d'clo'ure to all $arte' "t& an ntere't1
,&at t&e clamed &older n due cour'e o) t&e monetar# n'trument2deed
o) tru't2a''et ' &oldng 'uc& note n com$lance "t& 'tatute'* State
and Federal la"' and ' enttled to t&e %ene)t' o) $a#ment'1
,&at all good )at& and rea'ona%le d'clo'ure' o) tran')er'* 'ale'*
8o"er o) Attorne#* monetar# n'trument o"ner'&$* enttlement'* )ull
d'clo'ure o) actual )undng 'ource* term'* co't'* comm''on'* re%ate'*
0c0%ac0'* )ee' etc+ "ere and 'tll are $ro$erl# d'clo'ed to me1
,&at eac& 'er(cer' and2or 'u%C'er(cer' o) t&' mortgage &a' 'er(ced
t&' mortgage n accordance "t& 'tatute* la"' and t&e term' o)
mortgage* monetar# n'trument2deed o) tru't1
,&at eac& 'er(cer' and 'u%C'er(cer' o) t&' mortgage &a' 'er(ced
t&' mortgage n com$lance "t& local* 'tate and )ederal 'tatute'* la"'
and regulaton'1
,&at t&' mortgage account &a' $ro$erl# %een credted* de%ted*
adFu'ted* amort9ed and c&arged correctl#1
,&at ntere't and $rnc$al &a(e %een $ro$erl# calculated and a$$led to
t&' loan1
,&at an# $rnc$al %alance &a' %een $ro$erl# calculated* amort9ed and
accounted )or1
t&at no c&arge'* )ee' or e.$en'e'* not o%lgated %# me n an#
agreement* &a(e %een c&arged* a''e''ed or collected )rom t&'
account1
!n order to (aldate t&' de%t and audt t&' account* ! need co$e' o)
$ertnent document' to %e $ro(ded to me+ ! al'o need an'"er'*
cert)ed* n "rtng* to (arou' 'er(cng -ue'ton'+ For eac& record
0e$t on com$uter or n an# ot&er electronc )le or )ormat* $lea'e
$ro(de a $a$er co$# o) all n)ormaton n eac& )eld or record n eac&
com$uter '#'tem* $rogram or data%a'e u'ed %# #ou t&at contan' an#
n)ormaton on t&' account num%er or m# name+
A' 'uc&* $lea'e 'end to me* at t&e addre'' a%o(e* co$e' o) t&e
document' re-ue'ted %elo" a' 'oon a' $o''%le+ 8lea'e al'o $ro(de
co$e' o):
13 An# cert)cated or uncert)cated 'ecurt#* )ront and %ac0*
u'ed )or t&e )undng o) account # 123456789+
23 An# and all G8ool Agreement>'?H ncludng account # 123456789
%et"een ARED!,ER /AME DERE and an# go(ernment '$on'ored entt#*
&erena)ter >ISE?+
33 An# and all GDe$o't Agreement>'?H regardng account #
123456789 or t&e G8ool AgreementH ncludng account # 123456789
%et"een ARED!,ER /AME DERE and an# ISE+
43 An# and all GSer(cng Agreement>'?H %et"een ARED!,ER /AME
DERE and an# ISE+
53 An# and all GAu'todal Agreement>'?H %et"een ARED!,ER /AME
DERE and an# ISE+
43 An# and all GMa'ter 8urc&a'ng AgreementH %et"een ARED!,ER
/AME DERE and an# ISE+
53 An# and all G!''uer Agreement>'?H %et"een ARED!,ER /AME
DERE and an# ISE+
63 An# and all GAommtment to IuaranteeH agreement>'? %et"een
ARED!,ER /AME DERE and an# ISE+
73 An# and all GRelea'e o) Document agreement'H %et"een
ARED!,ER /AME DERE and an# ISE+
123 An# and all GMa'ter Agreement )or 'er(cerJ' 8rnc$le and
!ntere't Au'todal AccountH %et"een ARED!,ER /AME DERE and an#
ISE+
113 An# and all GSer(cer' E'cro" Au'todal AccountH %et"een
ARED!,ER /AME DERE and an# ISE+
123 An# and all GRelea'e o) !ntere'tH agreement' %et"een
ARED!,ER /AME DERE and an# ISE+
133 An# ,ru'tee agreement>'? %et"een ARED!,ER /AME DERE and
ARED!,ER /AME DEREJ' tru'tee regardng account # 123456789 or
$ool account' "t& an# ISE+
143 8lea'e 'end to t&e re-ue'ter a co$# o) an# documentaton
e(dencng an# tru't relaton'&$ regardng t&e Mortgage2Deed o) ,ru't
and an# /ote n t&' matter+
153 8lea'e 'end to t&e re-ue'ter a co$# o) an# and all document>'?
e'ta%l'&ng an# ,ru'tee o) record )or t&e Mortgage2Deed o) ,ru't and
an# /ote+
143 8lea'e 'end to t&e re-ue'ter a co$# o) an# and all document>'?
e'ta%l'&ng t&e date o) an# a$$ontment o) ,ru'tee Mortgage2Deed o)
,ru't and an# /ote+ 8lea'e al'o nclude an# and all a''gnment' or
tran')er' or nomnee' o) an# 'u%'ttute tru'tee>'?+
153 8lea'e 'end to t&e re-ue'ter a co$# o) an# and all document>'?
e'ta%l'&ng an# Irantor )or t&' Mortgage2Deed o) ,ru't and an# /ote+
163 8lea'e 'end to t&e re-ue'ter a co$# o) an# and all document>'?
e'ta%l'&ng an# Irantee )or t&' Mortgage2Deed o) ,ru't and an# /ote+
173 8lea'e 'end to t&e re-ue'ter a co$# o) an# and all document>'?
e'ta%l'&ng an# 3ene)car# )or t&' Mortgage2Deed o) ,ru't and an#
/ote+
223 8lea'e 'end to t&e re-ue'ter an# documentaton e(dencng t&e
Mortgage or Deed o) tru't ' not a con'truct(e tru't or an# ot&er )orm
o) tru't+
213 All data* n)ormaton* notaton'* te.t* )gure' and n)ormaton
contaned n #our mortgage 'er(cng and accountng com$uter '#'tem'
ncludng* %ut not lmted to Alltel or Fdelt# A8! '#'tem* or an# ot&er
'mlar mortgage 'er(cng 'o)t"are u'ed %# #ou* an# 'er(cer'* or 'u%C
'er(cer' o) t&' mortgage account )rom t&e nce$ton o) t&' account to
t&e date "rtten a%o(e+
223 All de'cr$ton' and legend' o) all Aode' u'ed n #our mortgage
'er(cng and accountng '#'tem 'o t&at t&e e.amner'* audtor' and
e.$ert' retaned to audt and re(e" t&' mortgage account ma# $ro$erl#
conduct t&er "or0+
233 All a''gnment'* tran')er'* allonge* or ot&er document
e(dencng a tran')er* 'ale or a''gnment o) t&' mortgage* deed o)
tru't* monetar# n'trument or ot&er document t&at 'ecure' $a#ment %#
me to t&' o%lgaton n t&' account )rom t&e nce$ton o) t&' account to
t&e $re'ent date ncludng an# 'uc& a''gnment' on MERS+
243 All record'* electronc or ot&er"'e* o) a''gnment' o) t&'
mortgage* monetar# n'trument or 'er(cng rg&t' to t&' mortgage
ncludng an# 'uc& a''gnment' on MERS+
253 All deed' n leu* mod)caton' to t&' mortgage* monetar#
n'trument or deed o) tru't )rom t&e nce$ton o) t&' account to t&e
$re'ent date+
243 ,&e )ront and %ac0 o) eac& and e(er# canceled c&ec0* mone#
order* dra)t* de%t or credt notce ''ued to an# 'er(cer' o) t&'
account )or $a#ment o) an# mont&l# $a#ment* ot&er $a#ment* e'cro"
c&arge* )ee or e.$en'e on t&' account+
253 All e'cro" anal#'e' conducted on t&' account )rom t&e
nce$ton o) t&' account untl t&e date o) t&' letter1
263 ,&e )ront and %ac0 o) eac& and e(er# canceled c&ec0* dra)t or
de%t notce ''ued )or $a#ment o) clo'ng co't'* )ee' and e.$en'e'
l'ted on an# and all d'clo'ure 'tatement>'? ncludng* %ut not lmted to*
a$$ra'al )ee'* n'$ecton )ee'* ttle 'earc&e'* ttle n'urance )ee'*
credt l)e n'urance $remum'* &a9ard n'urance $remum'* comm''on'*
attorne# )ee'* $ont'* etc+
273 Front and %ac0 co$e' o) all $a#ment rece$t'* c&ec0'* mone#
order'* dra)t'* automatc de%t' and "rtten e(dence o) $a#ment' made
%# ot&er' or me on t&' account+
323 All letter'* 'tatement' and document' 'ent to me %# #our
com$an#1
313 All letter'* 'tatement' and document' 'ent to me %# agent'*
attorne#' or re$re'entat(e' o) #our com$an#1
323 All letter'* 'tatement' and document' 'ent to me %# $re(ou'
'er(cer'* 'u%C'er(cer' or ot&er' n #our account )le or n #our control
or $o''e''on or n t&e control or $o''e''on o) an# a))late* $arent
com$an#* agent* 'u%C'er(cer'* 'er(cer'* attorne# or ot&er
re$re'entat(e o) #our com$an#+
333 All letter'* 'tatement' and document' contaned n t&' account
)le or maged %# #ou* an# 'er(cer' or 'u%C'er(cer' o) t&' mortgage
)rom t&e nce$ton o) t&' account to $re'ent date+
343 All electronc tran')er'* a''gnment'* 'ale' o) t&e note2a''et*
mortgage* deed o) tru't or ot&er 'ecurt# n'trument+
353 All co$e' o) $ro$ert# n'$ecton re$ort'* a$$ra'al'* 38E' and
re$ort' done on t&e $ro$ert#+
343 All n(oce' )or eac& c&arge 'uc& a' n'$ecton )ee'* 38E'*
a$$ra'al )ee'* attorne# )ee'* n'urance* ta.e'* a''e''ment' or an#
e.$en'e* "&c& &a' %een c&arged to t&' mortgage account )rom t&e
nce$ton o) t&' account to t&e $re'ent date+
353 All c&ec0' u'ed to $a# n(oce' )or eac& c&arged 'uc& a'
n'$ecton )ee'* 38E'* a$$ra'al )ee'* attorne# )ee'* n'urance* ta.e'*
a''e''ment' or an# e.$en'e "&c& &a' %een c&arged to t&' mortgage
account )rom t&e nce$ton o) t&' account to t&e $re'ent date+
363 All agreement'* contract' and under'tandng' "t& (endor' t&at
&a(e %een $ad )or an# c&arge on t&' account )rom t&e nce$ton o) t&'
account to t&e $re'ent date+
373 All account 'er(cng record'* $a#ment $a#o))'* $a#o))
calculaton'* ARM audt'* ntere't rate adFu'tment'* $a#ment record'*
tran'acton &'tore'* account &'tore'* accountng record'* ledger'* and
document' t&at relate to t&e accountng o) t&' account )rom t&e
nce$ton o) t&' account untl $re'ent dateK
423 All account 'er(cng tran'acton record'* ledger'* reg'ter' and
'mlar tem' detalng &o" t&' account &a' %een 'er(ced )rom t&e )rom
t&e nce$ton o) t&' account untl $re'ent dateK
Furt&er* n order to conduct t&e audt and re(e" o) t&' account* and
to determne all $ro$er amount' due* ! need t&e )ollo"ng an'"er' to
-ue'ton' concernng t&e 'er(cng and accountng o) t&' mortgage
account )rom t' nce$ton to t&e $re'ent date+ Accordngl#* can #ou
$lea'e $ro(de me* n "rtng* t&e an'"er' to t&e -ue'ton' l'ted %elo"+
AAAE4/, AAAE4/,!/I L SERM!A!/I SNS,EMS
13 8lea'e dent)# )or me eac& account accountng and 'er(cng
'#'tem u'ed %# #ou and an# 'u%C'er(cer' or $re(ou' 'er(cer'
)rom t&e nce$ton o) t&' account to t&e $re'ent date 'o t&at
t&' e.$ert' can dec$&er t&e data $ro(ded+
23 For eac& account accountng and 'er(cng '#'tem dent)ed %#
#ou and an# 'u%C'er(cer' or $re(ou' 'er(cer' )rom t&e
nce$ton o) t&' account to t&e $re'ent date* $lea'e $ro(de
t&e name and addre'' o) t&e com$an# or $art# t&at de'gned
and 'old t&e '#'tem+
3? For eac& account accountng and 'er(cng '#'tem u'ed %# #ou and
an# 'u%C'er(cer' or $re(ou' 'er(cer' )rom t&e nce$ton o) t&'
account to t&e $re'ent date* $lea'e $ro(de t&e com$lete tran'acton
code l't )or eac& '#'tem 'o t&at !* and ot&er' can ade-uatel# audt
t&' account+
DE3!,S L ARED!,S
1? !n a '$read'&eet )orm or n letter )orm n a columnar )ormat*
$lea'e detal )or me eac& and e(er# credt on t&' account and t&e date
'uc& credt "a' $o'ted to t&' account a' "ell a' t&e date an# credt
"a' rece(ed+
2? !n a '$read'&eet )orm or n letter)orm n a columnar )ormat*
$lea'e detal )or me eac& and e(er# de%t on t&' account and t&e date
de%t "a' $o'ted to t&' account a' "ell a' t&e date an# de%t "a'
rece(ed+
3? For eac& de%t or credt l'ted* $lea'e $ro(de me "t& t&e
de)nton )or eac& corre'$ondng tran'acton code #ou utl9eK
4? For eac& tran'acton code* $lea'e $ro(de u' "t& t&e ma'ter
tran'acton code l't u'ed %# #ou or $re(ou' 'er(cer'+
MER,IAIE L ASS!I/ME/,S
1? Da' eac& 'ale* tran')er or a''gnment o) t&' mortgage* monetar#
n'trument* deed o) tru't or an# ot&er n'trument ! e.ecuted to 'ecure
t&' de%t %een recorded n t&e count# $ro$ert# record' n t&e count#
and 'tate n "&c& m# $ro$ert# ' located )rom t&e nce$ton o) t&'
account to t&e $re'ent dateK Ne' or /oK
2? !) not* "&#K
3? !' #our com$an# t&e 'er(cer' o) t&' mortgage account or t&e
&older n due cour'e and %ene)cal o"ner o) t&' mortgage* monetar#
n'trument and2or deed o) tru'tK
4? Da(e an# 'ale'* tran')er' or a''gnment' o) t&' mortgage*
monetar# n'trument* deed o) tru't or an# ot&er n'trument ! e.ecuted
to 'ecure t&' de%t %een recorded n an# electronc )a'&on 'uc& a'
MERS or ot&er nternal or e.ternal recordng '#'tem )rom t&e nce$ton
o) t&' account to t&e $re'ent dateK Ne' or /oK
5? !) #e'* $lea'e detal )or me t&e name' o) eac& 'eller* $urc&a'er*
a''gnor* a''gnee or an# &older n due cour'e to an# rg&t or o%lgaton
o) an# note* mortgage* deed or 'ecurt# n'trument ! e.ecuted 'ecurng
t&e o%lgaton on t&' account t&at "a' not recorded n t&e count#
record' "&ere m# $ro$ert# ' located "&et&er t&e# %e mortgage
'er(cng rg&t' or t&e %ene)cal ntere't n t&e $rnc$al and ntere't
$a#ment'+
A,,ER/EN FEES
1? For $ur$o'e' o) m# -ue'ton' %elo" dealng "t& attorne# )ee'*
$lea'e con'der t&e term' attorne# )ee' and legal )ee' to %e one n t&e
'ame+
2? Da(e attorne# )ee' e(er %een a''e''ed to t&' account )rom t&e
nce$ton o) t&' account to t&e $re'ent dateK
3? !) #e'* $lea'e detal eac& 'e$arate a''e''ment* c&arge and
collecton o) attorne# )ee' to t&' account )rom t&e nce$ton o) t&'
account to t&e $re'ent date and t&e date o) 'uc& a''e''ment to t&'
accountK
4? Da(e attorne# )ee' e(er %een c&arged to t&' account )rom t&e
nce$ton o) t&' account to t&e $re'ent dateK
5? !) #e'* $lea'e detal eac& 'e$arate c&arge o) attorne# )ee' to
t&' account )rom t&e nce$ton o) t&' account to t&e $re'ent date and
t&e date o) 'uc& c&arge to t&' accountK
6? Da(e attorne# )ee' e(er %een collected )rom t&' account )rom
t&e nce$ton o) t&' account to t&e $re'ent dateK
7? !) #e'* $lea'e detal eac& 'e$arate collecton o) attorne# )ee'
)rom t&' account )rom t&e nce$ton o) t&' account to t&e $re'ent
date and t&e date o) 'uc& collecton )rom t&' accountK
8? 8lea'e $ro(de )or me t&e name and addre'' o) eac& attorne# or
la" )rm t&at &a' %een $ad an# )ee' or e.$en'e' related to t&'
account )rom t&e nce$ton o) t&' account to t&e $re'ent dateK
9? 8lea'e dent)# )or me n "rtng t&e $ro('on* $aragra$&* 'ecton
or 'entence o) an# note* mortgage* deed o) tru't or an# agreement !
'gned aut&or9ed t&e a''e''ment* c&arge or collecton o) attorne#
)ee'K
1=? 8lea'e detal and l't )or me n "rtng eac& 'e$arate attorne# )ee
a''e''ed to t&' account and )or "&c& corre'$ondng $a#ment $erod or
mont& 'uc& )ee "a' a''e''ed )rom t&e nce$ton o) t&' account to
$re'ent date+
11? 8lea'e detal and l't )or me n "rtng eac& 'e$arate attorne# )ee
collected )rom t&' account and )or "&c& corre'$ondng $a#ment $erod
or mont& 'uc& )ee "a' collected )rom t&e nce$ton o) t&' account to
$re'ent date+
12? 8lea'e detal and l't )or me n "rtng an# adFu'tment' n attorne#
)ee' a''e''ed and on "&at date 'uc& adFu'tment "a' made and t&e
rea'on' )or 'uc& adFu'tment+
13? 8lea'e detal and l't )or me n "rtng an# adFu'tment' n attorne#
)ee' collected and on "&at date 'uc& adFu'tment "ere made and t&e
rea'on' )or 'uc& adFu'tment+
14? Da' ntere't %een c&arged on an# attorne# )ee a''e''ed or
c&arged to t&' accountK Ne' or /oK
15? !' ntere't allo"ed to %e a''e''ed or c&arged on attorne# )ee'
c&arged or a''e''ed to t&' accountK Ne' or /oK
16? Do" muc& n total attorne# )ee' &a(e %een a''e''ed to t&'
account )rom t&e nce$ton o) t&' account untl $re'ent dateK
OPPPPPPPPPPPP
17? Do" muc& n total attorne# )ee' &a(e %een collected on t&'
account )rom t&e nce$ton o) t&' account untl $re'ent dateK
OPPPPPPPPPP
18? Do" muc& n total attorne# )ee' &a(e %een c&arged to t&'
account )rom t&e nce$ton o) t&' account untl $re'ent dateK
OPPPPPPPPPP
19? 8lea'e 'end to me co$e' o) all n(oce' and detaled %llng
'tatement' )rom an# la" )rm or attorne# t&at &a' %lled 'uc& )ee'
t&at %een a''e''ed or collected )rom t&' account+
S4S8E/SE24/A88B!ED AAAE4/,S
For $ur$o'e' o) t&' 'ecton* $lea'e treat t&e term 'u'$en'e account
and una$$led account a' one n t&e 'ame+
1? Da' t&ere %een an# 'u'$en'e or una$$led account tran'acton' on
t&' account )rom t&e nce$ton o) t&' account untl $re'ent dateK
2? !) #e'* $lea'e e.$lan t&e rea'on )or eac& and e(er# 'u'$en'e
tran'acton t&at occurred on t&' accountK !) no* $lea'e '0$ t&e
-ue'ton' n t&' 'ecton dealng "t& 'u'$en'e and una$$led account'+
3? !n a '$read'&eet or n letter )orm n a columnar )ormat* $lea'e
detal )or me eac& and e(er# 'u'$en'e or una$$led tran'acton* %ot&
de%t' and credt' t&at &a' occurred on t&' account )rom t&e nce$ton
o) t&' account untl $re'ent dateK
BA,E FEES
For $ur$o'e' o) m# -ue'ton' %elo" dealng "t& late )ee'* $lea'e
con'der t&e term' late )ee' and late c&arge' to %e one n t&e 'ame+
1? Da(e #ou re$orted t&e collecton o) late )ee' on t&' account a'
ntere't n an# 'tatement to me or to t&e !RSK Ne' or /oK
2? Da' an# $re(ou' 'er(cer' or 'u%C'er(cer' o) t&' mortgage
re$orted t&e collecton o) late )ee' on t&' account a' ntere't n an#
'tatement to me or to t&e !RSK Ne' or /oK
3? Do #ou con'der t&e $a#ment o) late )ee' a' l-udated damage' to
#ou )or not rece(ng $a#ment on tmeK Ne' or /oK
4? Are late )ee' con'dered ntere'tK Ne' or /oK
5? 8lea'e detal )or me n "rtng "&at e.$en'e' and damage' #ou
ncurred )or an# $a#ment ! made t&at "a' late+
6? ;ere an# o) t&e'e e.$en'e' or damage' c&arged or a''e''ed to
t&' account n an# ot&er "a#K Ne' or /oK
7? !) #e'* $lea'e de'cr%e "&at e.$en'e' or c&arge' "ere c&arged or
a''e''ed to t&' accountK
8? 8lea'e de'cr%e )or me n "rtng "&at e.$en'e' #ou or ot&er'
undertoo0 due to an# $a#ment ! made* "&c& "a' lateK
9? 8lea'e de'cr%e )or me n "rtng "&at damage' #ou or ot&er'
undertoo0 due to an# $a#ment ! made* "&c& "a' lateK
1=? 8lea'e dent)# )or me n "rtng t&e $ro('on* $aragra$&* 'ecton
or 'entence o) an# note* mortgage* deed o) tru't or an# agreement !
'gned aut&or9ed t&e a''e''ment or collecton o) late )ee'K
11? 8lea'e detal and l't )or me n "rtng eac& 'e$arate late )ee
a''e''ed to t&' account and )or "&c& corre'$ondng $a#ment $erod or
mont& 'uc& late )ee "a' a''e''ed )rom t&e nce$ton o) t&' account
to $re'ent date+
12? 8lea'e detal and l't )or me n "rtng eac& 'e$arate late )ee
collected )rom t&' account and )or "&c& corre'$ondng $a#ment $erod
or mont& 'uc& late )ee "a' collected )rom t&e nce$ton o) t&' account
to $re'ent date+
13? 8lea'e detal and l't )or me n "rtng an# adFu'tment' n late
)ee' a''e''ed and on "&at date 'uc& adFu'tment "a' made and t&e
rea'on' )or 'uc& adFu'tment+
14? Da' ntere't %een c&arged on an# late )ee a''e''ed or c&arged to
t&' accountK Ne' or /oK
15? !' ntere't allo"ed to %e a''e''ed or c&arged on late )ee'
c&arged or a''e''ed to t&' accountK Ne' or /oK
16? Da(e an# late c&arge' %een a''e''ed to t&' accountK Ne' or /oK
17? !) #e'* &o" muc& n total late c&arge' &a(e %een a''e''ed to t&'
account )rom t&e nce$ton o) t&' account untl $re'ent dateK
OPPPPPPPPPPPP
18? 8lea'e $ro(de me "t& t&e e.act mont&' or $a#ment date' #ou or
ot&er $re(ou' 'er(cer' o) t&' account clam ! &a(e %een late "t& a
$a#ment )rom t&e nce$ton o) t&' account to t&e $re'ent date+
19? Da(e late c&arge' %een collected on t&' account )rom t&e
nce$ton o) t&' account untl $re'ent dateK Ne' or /oK
2=? !) #e'* &o" muc& n total late c&arge' &a(e %een collected on t&'
account )rom t&e nce$ton o) t&' account untl $re'ent dateK
OPPPPPPPPPP
8RE8ER,N !/S8EA,!E/S
1? For $ur$o'e' o) t&' 'ecton $ro$ert# n'$ecton and n'$ecton )ee
re)er to an# n'$ecton o) $ro$ert# %# an# 'ource and an# related )ee
or e.$en'e c&arged* a''e''ed or collected )or 'uc& n'$ecton+
2? Da(e an# $ro$ert# n'$ecton' %een conducted on m# $ro$ert# )rom
t&e nce$ton o) t&' account untl t&e $re'ent dateK
3? !) #our an'"er ' no* #ou can '0$ t&e re't o) t&e'e -ue'ton' n
t&' 'ecton concernng $ro$ert# n'$ecton'K
4? !) #e'* $lea'e tell me t&e date o) eac& $ro$ert# n'$ecton
conducted on m# $ro$ert# t&at ' t&e 'ecured ntere't )or t&'
mortgage* deed or noteK
5? 8lea'e tell me t&e $rce c&arged )or eac& $ro$ert# n'$ectonK
6? 8lea'e tell me t&e date o) eac& $ro$ert# n'$ectonK
7? 8lea'e tell me t&e name and addre'' o) eac& com$an# and $er'on
"&o conducted eac& $ro$ert# n'$ecton on m# $ro$ert#K
8? 8lea'e tell me "&# $ro$ert# n'$ecton' "ere conducted on m#
$ro$ert#K
9? 8lea'e tell me &o" $ro$ert# n'$ecton' are %ene)cal to me+
1=? 8lea'e tell me &o" $ro$ert# n'$ecton' are $rotect(e o) m#
$ro$ert#+
11? 8lea'e e.$lan to me #our $olc# on $ro$ert# n'$ecton'+
12? Do #ou con'der t&e $a#ment o) n'$ecton )ee' a' a co't o)
collectonK Ne' or /oK
13? !) #e'* "&#K
14? Do #ou u'e $ro$ert# n'$ecton' to collect de%t'K Ne' or /oK
15? Da(e #ou u'ed an# $orton o) t&e $ro$ert# n'$ecton $roce'' on
m# $ro$ert# to collect a de%t or n)orm me o) a de%t* $a#ment or
o%lgaton ! o"eK
16? !) #e'* $lea'e an'"er "&en and "&#K
17? 8lea'e dent)# )or me n "rtng t&e $ro('on* $aragra$&* 'ecton
or 'entence o) an# note* mortgage* deed o) tru't or an# agreement !
'gned t&at aut&or9ed t&e a''e''ment or collecton o) $ro$ert#
n'$ecton )ee'K
18? Da(e #ou la%eled n an# record or document 'ent to me a $ro$ert#
n'$ecton a' a m'c+ ad(anceK Ne' or /oK
19? !) #e'* "&#K
2=? Da(e #ou la%eled n an# record or document 'ent to me a $ro$ert#
n'$ecton a' a legal )ee or attorne# )eeK Ne' or /oK
21? !) #e'* "&#K
22? 8lea'e detal and l't )or me n "rtng eac& 'e$arate n'$ecton
)ee a''e''ed to t&' account and )or "&c& corre'$ondng $a#ment
$erod or mont& 'uc& )ee "a' a''e''ed )rom t&e nce$ton o) t&'
account to $re'ent date+
23? 8lea'e detal and l't )or me n "rtng eac& 'e$arate n'$ecton
)ee collected )rom t&' account and )or "&c& corre'$ondng $a#ment
$erod or mont& 'uc& )ee "a' collected )rom t&e nce$ton o) t&'
account to $re'ent date+
24? 8lea'e detal and l't )or me n "rtng an# adFu'tment' n
n'$ecton )ee' a''e''ed and on "&at date 'uc& adFu'tment "a' made
and t&e rea'on' )or 'uc& adFu'tment+
25? 8lea'e detal and l't )or me n "rtng an# adFu'tment' n
n'$ecton )ee' collected and on "&at date 'uc& adFu'tment "a' made
and t&e rea'on' )or 'uc& adFu'tment+
26? Da' ntere't %een c&arged on an# n'$ecton )ee' a''e''ed or
c&arged to t&' accountK Ne' or /oK
27? !) #e'* "&en and &o" muc& "a' c&argedK
28? !' ntere't allo"ed to %e a''e''ed or c&arged on n'$ecton )ee'
c&arged or a''e''ed to t&' accountK Ne' or /oK
29? Do" muc& n total n'$ecton )ee' &a(e %een a''e''ed to t&'
account )rom t&e nce$ton o) t&' account untl $re'ent dateK
OPPPPPPPPPPPP
3=? Do" muc& n total n'$ecton )ee' &a(e %een collected on t&'
account )rom t&e nce$ton o) t&' account untl $re'ent dateK
OPPPPPPPPPP
31? 8lea'e )or"ard to me co$e' o) all $ro$ert# n'$ecton' made on
m# $ro$ert# n t&' mortgage account )le+
32? Da' an# )ee c&arged or a''e''ed )or $ro$ert# n'$ecton' %een
$laced nto e'cro" accountK Ne' or noK
38E FEES
1? Da(e an# 38E' 53ro0er 8rce E$non'6 %een conducted on m#
$ro$ert#K
2? !) #e'* $lea'e tell me t&e date o) eac& 38E conducted on m#
$ro$ert# t&at ' t&e 'ecured ntere't )or t&' mortgage* deed or noteK
3? 8lea'e tell me t&e $rce o) eac& 38EK
4? 8lea'e tell me "&o conducted eac& 38EK
5? 8lea'e tell me "&# 38E' "ere conducted on m# $ro$ert#
6? 8lea'e tell me &o" 38E' are %ene)cal to me+
7? 8lea'e tell me &o" 38E' are $rotect(e o) m# $ro$ert#+
8? 8lea'e e.$lan to me #our $olc# on 38E'+
9? Da(e an# 38E )ee' %een a''e''ed to t&' accountK Ne' or /oK
1=? !) #e'* &o" muc& n total 38E )ee' &a(e %een a''e''ed to t&'
accountK OPPPPPPPP
11? Da(e an# 38E )ee' %een c&arged to t&' accountK Ne' or /oK
12? !) #e'* &o" muc& n total 38E )ee' &a(e %een c&arged to t&'
accountK OPPPPPP
13? 8lea'e tell me '$ec)call# "&at clau'e* $aragra$& and 'entence n
t&e note* mortgage or deed o) tru't or an# agreement ! &a(e e.ecuted
allo"' #ou to a''e''* c&arge or collect a 38E )ee )rom me+
14? 8lea'e 'end to me co$e' o) all 38E re$ort' t&at &a(e %een done on
m# $ro$ert#+
15? Da' an# )ee c&arged or a''e''ed )or A 38E %een $laced nto
e'cro"K Ne' or noK
FERAEDC8BAAED !/S4RA/AE
1? Da(e #ou $laced or ordered an# )orcedC$laced n'urance $olce' on
m# $ro$ert#K
2? !) #e'* $lea'e tell me t&e date o) eac& $olc# ordered or $laced
on m# $ro$ert# t&at ' t&e 'ecured ntere't )or t&' mortgage* deed or
noteK
3? 8lea'e tell me t&e $rce o) eac& $olc#K
4? 8lea'e tell me t&e agent )or eac& $olc#K
5? 8lea'e tell me "&# eac& $olc# "a' $laced on m# $ro$ert#+
6? 8lea'e tell me &o" t&e $olce' are %ene)cal to me+
7? 8lea'e tell me &o" $olce' are $rotect(e o) m# $ro$ert#+
8? 8lea'e e.$lan to me #our $olc# on )orcedC$laced n'urance+
9? Da(e an# )orcedC$laced n'urance )ee' %een a''e''ed to t&'
mortgage or e'cro" accountK Ne' or /oK
1=? !) #e'* &o" muc& n total )orcedC$laced $olc# )ee' &a(e %een
a''e''ed to t&' accountK OPPPPPPPP
11? Da(e an# )orcedC$laced n'urance )ee' %een c&arged to t&'
mortgage or e'cro" accountK Ne' or /oK
12? !) #e'* &o" muc& n total )orcedC$laced n'urance )ee' &a(e %een
c&arged to t&' mortgage or e'cro" accountK OPPPPPP
13? 8lea'e tell me '$ec)call# "&at clau'e* $aragra$& and 'entence n
t&e note* mortgage or deed o) tru't or an# agreement ! &a(e e.ecuted
allo"' #ou to a''e''* c&arge or collect )orcedC$laced n'urance )ee'
)rom me+
14? Do #ou &a(e an# relaton'&$ "t& t&e agent or agenc# t&at $laced
an# $olce' on m# $ro$ert#K !) #e'* $lea'e de'cr%e+
15? Do #ou &a(e an# relaton'&$ "t& t&e carrer t&at ''ued an#
$olce' on m# $ro$ert#K !) #e'* $lea'e de'cr%e+
16? Da' t&e agenc# or carrer #ou u'ed to $lace a )orcedC$laced
n'urance $olc# on m# $ro$ert# $ro(ded #ou an# 'er(ce* com$uter
'#'tem* d'count on $olce'* comm''on'* re%ate' or an# )orm o)
con'deratonK !) #e'* $lea'e de'cr%e+
17? Do #ou mantan a %lan0et n'urance $olc# to $rotect #our
$ro$erte' "&en cu'tomer $olce' &a(e e.$redK
18? 8lea'e 'end to me co$e' o) all )orcedC$laced n'urance $olce'
t&at &a(e %een ordered on m# $ro$ert#+
SERM!A!/I REBA,ED :4ES,!E/S
For eac& o) t&e )ollo"ng -ue'ton' l'ted %elo"* $lea'e $ro(de me "t&
a detaled e.$lanaton n "rtng t&at an'"er' eac& -ue'ton+ !n
addton* ! need t&e )ollo"ng an'"er' to -ue'ton' concernng t&e
'er(cng o) t&' mortgage account )rom t' nce$ton to t&e $re'ent
date+ Accordngl#* can #ou $lea'e $ro(de me* n "rtng* t&e an'"er' to
t&e -ue'ton' l'ted %elo":
1? Dd t&e orgnator or $re(ou' 'er(cer' o) t&' account &a(e an#
)nancng agreement' or contract' "t& #our com$an# or an a))late o)
#our com$an#K
2? Dd t&e orgnator o) t&' account or $re(ou' 'er(cer' o) t&'
account &a(e a "are&ou'e account agreement or contract "t& #our
com$an#K
3? Dd t&e orgnator o) t&' account or $re(ou' 'er(cer' o) t&'
account rece(e an# com$en'aton* )ee* comm''on* $a#ment* re%ate or
ot&er )nancal con'deraton )rom #our com$an# or an# a))late o) #our
com$an# )or &andlng* $roce''ng* orgnatng or admn'terng t&' loanK
!) #e'* $lea'e de'cr%e and tem9e eac& and e(er# )orm o)
com$en'aton* )ee* comm''on* $a#ment* re%ate or ot&er )nancal
con'deraton $ad to t&e orgnator o) t&' account %# #our com$an# or
an# a))late+
4? 8lea'e dent)# )or me "&ere t&e orgnal' o) t&' entre account
)le are currentl# located and &o" t&e# are %eng 'tored* 0e$t and
$rotectedK
5? ;&ere ' t&e orgnal monetar# n'trument or mortgage ! 'gned
locatedK 8lea'e de'cr%e t' $&#'cal locaton and an#one &oldng t&'
note a' a cu'todan or tru'tee ) a$$lca%le+
6? ;&ere ' t&e orgnal deed o) tru't or mortgage and note ! 'gned
locatedK 8lea'e de'cr%e t' $&#'cal locaton and an#one &oldng t&'
note a' a cu'todan or tru'tee ) a$$lca%le+
7? Snce t&e nce$ton o) t&' loan* &a' t&ere %een an# a''gnment o)
m# monetar# n'trument2a''et to an# ot&er $art#K !) t&e an'"er '
#e'* dent)# t&e name' and addre''e' o) eac& and e(er# nd(dual*
$art#* %an0* tru't or entt# t&at &a' rece(ed 'uc& a''gnmentK
8? Snce t&e nce$ton o) t&' loan* &a' t&ere %een an# a''gnment o)
t&e deed o) tru't or mortgage and note to an# ot&er $art#K !) t&e
an'"er ' #e'* "ould #ou 0ndl# dent)# t&e name' and addre''e' o)
eac& and e(er# nd(dual* $art#* %an0* tru't or entt# t&at &a'
rece(ed 'uc& a''gnmentK
9? Snce t&e nce$ton o) t&' loan* &a' t&ere %een an# 'ale or
a''gnment o) 'er(cng rg&t' to t&' mortgage account to an# ot&er
$art#K !) t&e an'"er ' #e'* "ould #ou 0ndl# dent)# t&e name' and
addre''e' o) eac& and e(er# nd(dual* $art#* %an0* tru't or entt#
t&at &a' rece(ed 'uc& a''gnment or 'ale+
1=? Snce t&e nce$ton o) t&' loan* &a' an# 'u%C'er(cer' 'er(ced
an# $orton o) t&' mortgage loanK !) t&e an'"er ' #e'* "ould #ou
0ndl# dent)# t&e name' and addre''e' o) eac& and e(er# nd(dual*
$art#* %an0* tru't or entt# t&at &a' 'u%C'er(ced t&' mortgage loan+
11? Da' t&' mortgage account %een made a $art o) an# mortgage $ool
'nce t&e nce$ton o) t&' loanK !) #e'* $lea'e dent)# )or me eac&
and e(er# account mortgage $ool t&at t&' mortgage &a' %een a $art o)
)rom t&e nce$ton o) t&' account to t&e $re'ent date+
12? Da' eac& and e(er# a''gnment o) m# a''et2monetar# n'trument
%een recorded n t&e count# land record' "&ere t&e $ro$ert# a''ocated
"t& t&' mortgage account ' locatedK
13? Da' t&ere %een an# electronc a''gnment o) t&' mortgage "t&
MERS 5Mortgage Electronc Reg'traton S#'tem6 or an# ot&er com$uter
mortgage reg'tr# 'er(ce or com$uter $rogramK !) #e'* $lea'e dent)#
t&e name and addre'' o) eac& and e(er# nd(dual* entt#* $art#* %an0*
tru't or organ9aton or 'er(cer' t&at &a' %een a''gned t&e mortgage
'er(cng rg&t' to t&' account a' "ell a' t&e %ene)cal ntere't to t&e
$a#ment' o) $rnc$al and ntere't on t&' loan+
14? Da(e t&ere %een an# n(e'tor' 5a' de)ned n #our ndu'tr#6 "&o
&a(e $artc$ated n an# mortgageC%ac0ed 'ecurt#* collateral mortgage
o%lgaton or ot&er mortgage 'ecurt# n'trument t&at t&' mortgage
account &a' e(er %een a $art o) )rom t&e nce$ton o) t&' mortgage to
t&e $re'ent dateK !) #e'* $lea'e dent)# t&e name and addre'' o)
eac& and e(er# nd(dual* entt#* organ9aton and2or tru't+
15? 8lea'e dent)# )or me t&e $arte' and t&er addre''e' to all 'ale'
contract'* 'er(cng agreement'* a''gnment'* alonge'* tran')er'*
ndemn)caton agreement'* recour'e agreement' and an# agreement
related to t&' account )rom t' nce$ton to t&e current date "rtten
a%o(e+
16? 8lea'e $ro(de me "t& co$e' o) all 'ale' contract'* 'er(cng
agreement'* a''gnment'* alonge'* tran')er'* ndemn)caton
agreement'* recour'e agreement' and an# agreement related to t&'
account )rom t' nce$ton to t&e current date "rtten a%o(e+
17? Do" muc& "a' $ad )or t&' nd(dual mortgage account %# #ouK
18? !) $art o) a mortgage $ool* "&at "a' t&e $rnc$al %alance u'ed
%# #ou to determne $a#ment )or t&' nd(dual mortgage loan+
19? !) $art o) a mortgage $ool* "&at "a' t&e $ercentage $ad %# #ou
o) t&e $rnc$al %alance a%o(e u'ed to determne $urc&a'e o) t&'
nd(dual mortgage loan+
2=? ;&o dd #ou ''ue a c&ec0 or $a#ment to )or t&' mortgage loanK
21? 8lea'e $ro(de me co$e' "t& t&e )ront and %ac0 o) canceled
c&ec0+

22? Dd an# n(e'tor a$$ro(e t&e )oreclo'ure o) m# $ro$ert#K
23? Da' D4D a''gned or tran')erred )oreclo'ure rg&t' to #ou a'
re-ured %# 12 4SA 3754K
24? 8lea'e dent)# all $er'on' "&o a$$ro(ed t&e )oreclo'ure o) m#
$ro$ert#7
8lea'e $ro(de me "t& t&e document' ! &a(e re-ue'ted and a detaled
an'"er to eac& o) m# -ue'ton' "t&n t&e re-ured la")ul tme )rame+
4$on rece$t o) t&e document' and an'"er'* an e.am and audt "ll %e
conducted t&at ma# lead to a )urt&er document re-ue't and an'"er' to
-ue'ton' under an addtonal :;R letter+
Ao$e' o) t&' :ual)ed ;rtten Re-ue't* Maldaton o) De%t* ,!BA and
re-ue't )or accountng and legal record'* D'$ute o) De%t letter are
%eng 'ent to F,A* D4D* ,&r)t Su$er('on* all rele(ant 'tate and
)ederal regulator'1 and ot&er con'umer ad(ocate'1 and m# congre''man+
!t ' m# &o$e t&at #ou an'"er t&' RES8A RE:4ES, n accordance "t&
la" and t&e -ue'ton'* document' and (aldaton o) de%t to t&e $enn#
and correct an# a%u'e>'? or 'c&eme>'? unco(ered and documented+
De)ault 8ro('on>'? under t&' :4AB!F!ED ;R!,,E/ RES8A RE:4ES,
ARED!,ER /AME DEREJ' or an# agent'* tran')er'* or a''gn' om''on'
o) or agreement %# 'lence o) t&'
RES8A RE:4ES, (a cert)ed re%uttal o) an# and all $ont' &eren t&'
RES8A RE:4ES,H*
agree' and con'ent' to ncludng %ut not lmted %# an# (olaton' o) la"
and2or mmedate
termnate2remo(e an# and all rg&t* ttle and ntere't' >len'? n Qo&n
Denr# Doe or an# $ro$ert# or
collateral connected to Qo&n Denr# Doe or account # 123456789 and
"a(e' an#
and all mmunte' or de)en'e' n clam' and or (olaton' agreed to n
t&' RES8A RE:4ES,
ncludng %ut not lmted %# an# and all:
1+ Qo&n Denr# DoeJ' rg&t* %# %reac& o) )ducar# re'$on'%lt#
and )raud and m're$re'entaton re(ocaton and re'cndng o) an#
and all $o"er o) attorne# or a$$ontment ARED!,ER /AME DERE
ma# &a(e or ma# &a(e &ad n connecton "t& account #
123456789 and an# $ro$ert# and2or real e'tate connected "t&
account # 123456789+
2+ Qo&n Denr# DoeJ' rg&t to &a(e an# cert)cated or
uncert)cated 'ecurt# reCreg'tered n Qo&n Denr# DoeJ'* and
onl# Qo&n Denr# DoeJ' name+
3+ Qo&n Denr# DoeJ' rg&t o) collecton (a ARED!,ER /AME
DEREJ' la%lt# n'urance and2or %ond+
4+ Qo&n Denr# DoeJ' enttlement n )lng and e.ecutng an#
n'trument'* a' $o"er o) attorne# )or and %# ARED!,ER /AME
DERE* ncludng %ut not lmted %# a ne" cert)cated 'ecurt# or
an# 'ecurt# agreement $er)ected %# )lng a 4AA Fnancng
Statement "t& t&e Secretar# o) State n t&e State "&ere t&e
ARED!,ER /AME DERE ' located+
5+ Qo&n Denr# DoeJ' rg&t to damage' %ecau'e o) ARED!,ER
/AME DEREJ' "rong)ul reg'traton* %reac& o) ntermedar#
re'$on'%lt# "t& regard to Qo&n Denr# DoeJ' a''et %#
ARED!,ER /AME DERE ''ung to Qo&n Denr# Doe a cert)ed
c&ec0 )or t&e orgnal (alue o) Qo&n Denr# DoeJ' monetar#
n'trument+
6+ Qo&n Denr# DoeJ' rg&t to &a(e account # 123456789
com$letel# 'et o)) %ecau'e o) ARED!,ER /AME DEREJ' "rong)ul
reg'traton* %reac& o) ntermedar# re'$on'%lt# "t& regard to
Qo&n Denr# DoeJ' monetar# n'trument2a''et %# ARED!,ER /AME
DERE 'endng con)rmaton o) 'et o)) o) "rong)ul la%lt# o) Qo&n
Denr# Doe and ''ung a cert)ed c&ec0 )or t&e d))erence
%et"een t&e orgnal (alue o) Qo&n Denr# DoeJ' monetar#
n'trument2a''et and "&at Qo&n Denr# Doe m'ta0enl# 'ent
toARED!,ER /AME DERE a' $a#ment )or 'uc& "rong)ul la%lt#+
ARED!,ER /AME DERE or an# tran')er'* agent' or a''gn' o))erng a
re%uttal o) t&' RES8A RE:4ES, mu't
do 'o n t&e manner o) t&' GRES8A RE:4ES,H n accordance o) and n
com$lance "t&
current 'tatute' and2or la"' %# 'gnng n t&e ca$act# o) a )ull# la%le
man or "oman %eng
re'$on'%le and la%le under t&e $enalt# o) $erFur# "&le o))erng drect
te'tmon# "t& t&e
o))cal ca$act# a' an a$$onted agent )or ARED!,ER /AME DERE n
accordance "t& ARED!,ER /AME DEREJ' Artcle' o)
!ncor$oraton* Artcle o) !ncor$oraton* 3# Ba"' dul# 'gned %# a
current and dul# '"orn under
oat& drector>'? o) 'uc& cor$oraton2Doldng Aor$oraton2/atonal
A''ocaton+ An# drect
re%uttal "t& cert)ed true and com$lete accom$an#ng $roo) mu't %e
$o'ted "t& t&e /otar#
addre'' &eren "t&n '.t# da#'+ ;&en no (er)ed re%uttal o) t&'
GRES8A RE:4ES,H ' made
n a tmel# manner* a GAert)cate o) /onCRe'$on'eH 'er(e' a'
ARED!,ER /AME DEREJ' Fudgment and
con'ent2agreement %# mean' o) 'lence "t& an# and all clam' and2or
(olaton' &erenC'tated n
t&e de)ault $ro('on' or an# ot&er la"+
8o"er o) Attorne#: ;&en ARED!,ER /AME DERE )al' %# not
re%uttng to an# $art o) t&' GRES8A RE:4ES,H ARED!,ER /AME
DERE agree' "t& t&e grantng unto Qo&n Denr# DoeJ' unlmted 8o"er
o) Attorne# and an# and all )ull aut&or9aton n 'gnng or endor'ng
ARED!,ER /AME DEREJ' name u$on an# n'trument' n 'at')acton o)
t&e o%lgaton>'? o) t&' RES8A RE:4ES,2Agreement or an# agreement
ar'ng )rom t&' agreement+ 8reCem$ton o) or to an# 3an0ru$tc#
$roceedng '&all not d'c&arge an# o%lgaton>'? o) t&' agreement+
Aon'ent and agreement "t& t&' 8o"er o) Attorne# %# ARED!,ER
/AME DERE "a(e' an# and all clam' o) Qo&n Denr# Doe* and2or
de)en'e' and reman' n e))ect untl 'at')acton o) all o%lgaton>'? %#
ARED!,ER /AME DERE &a' %een 'at')ed+
Sncerel#*
PPPPPPPPPPPPPPPPPPP
P Qo&n Denr#
Doe

AA:
1+ Federal ,rade Aomm''on 3+ E))ce o) RES8A and
!nter'tate Band Sale'
6== 8enn'#l(ana A(enue /;* E))ce o) Dou'ng* Room 9146
;a'&ngton* DA+ 2=58= De$artment o) Dou'ng and 4r%an
De(elo$ment
451 Se(ent& Street* S;
2+ E))ce o) Dou'ng Enter$r'e E(er'g&t >EFDEE ?
17== I Street* /;+* Fourt& Floor*
;a'&ngton* DA 2=552+