The Florida Bar

Attorney/Consumer Assistance Program (ACAP)

651 East Jeerson !treet
Tallahassee" Florida #$#%%&$#''
---------------------------------------------------
)
In the Matter of: )
) Supreme Court No(s):
)
WILLIAM B. SHEPR )
Bar Num!er "#$%& )
)
'e()n *ames W)+,o- )
Bar Num!er %.""/& )
Respon0ents )
---------------------------------------------------
()T*CE )F F*+*(, ATT)-(E. /*!C*P+*(A-. C)0P+A*(T
T)1 -E!P)(/E(T!1
2illiam !he3ro" +egal Counsel and President o
o Altisource
1
Portolio !olutions !4A4 And or
555&$55&16%1
2estern Progressi7e
$
8 Ari9ona"
Premium Title !er7ices *nc4"
$''$ !ummit Bl7d" suite 6''
Altanta" ,a #'#1%
www.altisource.com/
:e7en J4 2ilco;
,eneral Counsel
Altisource Portolio !olutions !4A4
2estern Progressi7e 8 Ari9ona"
Premium Title !er7ices *nc4"
$''$ !ummit Bl7d" suite 6''
Atlanta" ,a #'#1%
866-960-8299
# http:11222.mar3et2at,h.,om1stor41a+t)sour,e-)n(est)5at)on-)n)t)ate0-!4-former-+ou)s)ana-
attorne4-5enera+-3ahn-s2),3-fot)-++,-)n(est)5ates-a+t)sour,e-portfo+)o-so+ut)ons-sa-fo++o2)n5-
0)s,+osure-of-0epartment-of-f)nan,)a+-ser(),es-$.#"-.6-#.
$ Western Progressive, Premium Title Services Inc.,Altisource's wholly owne trustee
su!sii"ries, #rocesses resienti"l non-$uici"l %oreclosures in &"li%orni", 'ev""
"n Arizona. Western Progressive-Arizona, Inc. (()0 *. +niversity ,rive Tem#e,
A- 8)28(. Phone. 866-960-8299 / ste#h"nie.s#urloc01"ltisource.com
#


P+EA!E TA:E ()T*CE that on the <<<<<<<<< day o June" $'1=7 I f)+e0 2)th the C+er3 of
the The Florida Bar Attorney/Consumer Assistance Program (ACAP) 651 East Jeerson
!treet Tallahassee" Florida #$#%%&$#'' the atta,he0 Attorne4 8)s,)p+)nar4 Comp+a)nt

Chr)stopher Sto++er
P.. Bo- 9.9"/
Ch),a5o7 I++)no)s 9.99.
:#$-6:"-%&#&
$
The Florida Bar
Attorney/Consumer Assistance Program (ACAP)
651 East Jeerson !treet
Tallahassee" Florida #$#%%&$#''
---------------------------------------------------
)
In the Matter of: )
) Supreme Court No(s):
)
WILLIAM B. SHEPR )
Bar Num!er "#$%& )
)
'e()n *ames W)+,o- )
Bar Num!er %.""/& )
)
)
Respon0ents )
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
ATT)-(E. 0*!C)(/>CT C)0P+A*(T A,A*(!T
2*++*A0 B4 !?EP-) A(/ :E@*( JA0E! 2*+C)A
;he Respon0ent W)++)am B. Shepro )s ,har5e0 2)th the <+or)0a Ru+es of Profess)ona+
Con0u,t Ru+e /./ un+a2fu+ pra,t),e of +a2
:
William Shepro who serves as
President and legal counsel for ALTISOURCE PROFOLIO SOLUTIONS S.A
/Western Progressive Ariona In!." Western Progressive
LLC."Premi#m Title Servi!es In!." #nla$%#ll& hol's himsel% o#t to (e
:)*+) Flori'a Stat#tes ,-,.). Penalties./Any person not licensed or otherwise
authorized to practice law in this state who practices law in this state or holds himself or herself out to
the public as qualified to practice law in this state, or who willfully pretends to be, or willfully takes or
uses any name, title, addition, or description implying that he or she is qualified, or recognized by law
as qualified, to practice law in this state, commits a felony of the third degree, punishable as provided
in s. 775.!", s. 775.!#, or s. 775.!$.
:
an attorne& an' a!ts as legal !o#nsel an' %or Altiso#rse
=
Portolio
!olutions !4A4 And or Western Progressive
-
0 Ariona" In!." an'
Premi#m Title Servi!es In!.
:e7en J4 2ilco; EsB47 2ho a+so ser(es as +e5a+ ,ounse+ for A+T*!)>-CE
P-)F)+*) !)+>T*)(! !4A /2estern Progressi7e Ari9ona *nc4" 2estern Progressi7e
++C4" and Premium Title !er7ices *nc4" )s ,har5e0 2)th ()o+at)n5 <+or)0a Ru+es of profess)ona+
,on0u,t Ru+e(s) =41" =4#" =4=" 541" 54$" 5"#" 545" 541" 54= an0 546 et a+.7 )n ,on0u,t)n5 the
un+a2fu+ resienti"l non-$uici"l %oreclosures in Arizona which is clearly evidenced in
the complaint at bar.
;he Florida Bar Attorney/Consumer Assistance Program (ACAP) 2as esta!+)she0 !4
the <+or)0a )s Supreme Court to 0ea+ 2)th )ssues of profess)ona+ m)s,on0u,t of attorne4s. ;he
ser)ous a++e5at)ons of profess)ona+ m)s,on0u,t that the Comp+a)nant has ra)se0 re5ar0)n5 the
Respon0ents are )ssues that are not !efore an4 ,ourt. ;he )ssues of profess)ona+ m)s,on0u,t
ra)se0 !4 th)s Attorne4 8)s,)p+)nar4 ,omp+a)nt are )ssues that the The Florida Bar
Attorney/Consumer Assistance Program (ACAP) )s so+e+4 empo2ere0 to a,t upon un0er the
<+or)0a Ru+es of Profess)ona+ M)s,on0u,t an0 N; an4 State Court *u05e.
" http:11222.mar3et2at,h.,om1stor41a+t)sour,e-)n(est)5at)on-)n)t)ate0-!4-former-+ou)s)ana-
attorne4-5enera+-3ahn-s2),3-fot)-++,-)n(est)5ates-a+t)sour,e-portfo+)o-so+ut)ons-sa-fo++o2)n5-
0)s,+osure-of-0epartment-of-f)nan,)a+-ser(),es-$.#"-.6-#.
/ Western Progressive, Premium Title Services Inc. Altisource's wholly owne
trustee su!sii"ry, #rocesses resienti"l non-$uici"l %oreclosures in &"li%orni",
'ev"" "n Arizona. Western Progressive-Arizona, Inc. (()0 *. +niversity ,rive
Tem#e, A- 8)28(. Phone. 866-960-8299 / ste#h"nie.s#urloc01"ltisource.com
"
PA-T*E!
-es3ondents
WILLIAM B. SHEPR
Bar Num!er "#$%&

'e()n *ames W)+,o-
Bar Num!er %.""/&

Com3lainant
Chr)stopher Sto++er
9."/ W. =ran0 A(e Apt "#"
Ch),a5o7 I++)no)s 9.9:%
:#$-6:"-%&#&
BAC:,-)>(/
Chr)stopher Sto++er pur,hase0 a p)e,e of propert4 )n S,otts0a+e Ar)>ona 3no2n as $6":&
N. ##$
th
Wa4 S,otts0a+e7 A> 6/$9$-"&$/ Ph)+)p Stone ?u)t ,+a)me0 h)s )nterest to Christo3her
!toller Pension and Proit !haring Plan +imited (C!PP!P) on Septem!er #%7 $..6 (E;hiCit
1)7 re,or0e0 )n the Mar),opa Count4 Re,or0ers ff),e $..6-.6#/"$$ on .%1$$1.6. ;he
su,,essor trustee 2as 0)(este0 of )ts po2er of sa+e after '%/$$/'5.
n !e3temCer 1%" $''57 Ph)+)p Stone transferre0 an0 ,on(e4s to CSPPSP a Bahamas
Corporat)on7 an01or Chr)stopher Sto++er an01or Leo Sto++er (,o++e,t)(e+47 Ass)5nees)7 un0er the
+aD o Assignments o Causes o Action(E;hiCit $)7 )nsofar as perm)tte0 !4 +a27 fore(er7 an4
an0 a++ ,auses of a,t)on7 reme0)es7 or ,+a)ms7 no2 or )n the future7 that Ass)5nor CSPPSP ha(e
a5a)nst an4 part47 not +)m)te0 to f)nan,)a+ )nst)tut)on7 ,ontra,tors7 !u)+0ers7 an0 the)r emp+o4ees7
aff)+)ates7 su,,essors an0 ass)5ns7 et a+.7 as 2e++ as the r)5ht to prose,ute su,h ,auses of a,t)on )n
the name of Ass)5nor or Ass)5nees or an4 of them 7 an0 the r)5ht to sett+e or other2)se reso+(e
su,h ,auses of a,t)on as Ass)5nees sees f)t7 re5ar0)n5 the fo++o2)n5 rea+ propert4 )n Mar),opa
Count47 State of Ar)>ona:
Lot :7 P)nna,+e <ooth)++s7 a,,or0)n5 to Boo3 :%6 of Maps7 Pa5e /.7 an0 Aff)0a()t of Corre,t)on
re,or0e0 )n 8o,ument No. %9-.#"//6$7 re,or0s of Mar),opa Count47 Ar)>ona.
Assessor@s Par,e+ Num!er: $#9-&"-.""
Common+4 3no2n as: $6":& N. ##$
th
Wa47 S,otts0a+e7 A> 6/$9$.

/
Not),e(s) of +i9 Pendens 2as f)+e0 !4 the ,omp+a)nant7 Chr)stopher Sto++er on the su!Ae,t rea+
estate on 1$/$%/$''5 $''5&1'%'%=# 2)th the Mar),opa Counter Re,or0ers ff),e an0 a5a)n
another L)s Pen0ens 2as f)+e0 on 1$/'$/$'1# $'1#&1'$5=#54

Phili3 B4 !tone" as o 6/$#/$'1= 0oes not o2e a 0e+)n?uen,4 pa4ment of of
E1%6"1=$4=%. Nor 0oes Ph)+)p B. Stone7 as o July $5" $'1= o2e unpa)0 pr)n,)p+e !a+an,e of
E6=6"65#456"3lus interest rom '$/'1/$''54 As 2e++ 3no2n to the Respon0ents7 a++ of these
0e!ts 2ere 0)s,har5e0 )n Ph)+)p B. Stone@s Ban3rupt,4 see E;hiCit #" 4et the Respon0ents are
st)++ attempt)n5 to ,o++e,t on these sa)0 0e!ts )n ()o+at)on of the <+or)0a Ru+es of Profess)ona+
Con0u,t an0 )n ,+ear ()o+at)on of the <e0era+ <a)r 8e!t Co++e,t)on A,t.
Phili3 B4 !toneFs prom)ssor4 note se,ure0 !4 a 8ee0 of trust an0 the a0Austa!+e rate note
to5ether 2)th the 0ee0 of trust se,ur)n5 same Das canceled as a resu+t of the Bn)te0 States
BanGru3tcy Case 1'&11555&167 8)str),t of Ne2 Me-),o an0 the 0e!t 0)s,har5e7 July 1%" $'1'4
(E;hiCit #)4
Comp+a)nant f)+e0 a fu++ -elease and Full -e&con7eyance o said /eed o Trust an0 a++
other 0e!ts )n ,onne,t)on 2)th same7 )n,+u0)n5 the A0Austa!+e Rate Note se,ure0 !4 the 8ee0 of
;rust 2as f)+e0 2)th the Mar),opa Count4 Re,or0er ff),e $.#"-./#$$". .61."1#". (E;hiCit =)
Not2)thstan0)n5 the fa,t that Phili3 B4 !tone 2as not the o2ner of re,or0 on July $#"
$'1= an0 0)0 not o2e an4 mon)es )n,+u0)n5 the sa)0 0e+)n?uen,4 pa4ment of of E1%6"1=$4=%.
Nor 0oes Ph)+)p B. Stone7 as o July $5" $'1= o2e unpa)0 pr)n,)p+e !a+an,e of E6=6"65#456"3lus
interest rom '$/'1/$''54 !toneFs deCts Dere all discharged in CanGru3tcy E;hiCit #4
;he respon0ents 2illiam B4 !he3ro an0 'e(en *. W)+,o- ,ause0 to !e f)+e an un+a2fu+
Not),e of ;rustee@s Sa+e un0er oath an0 ,ause0 the frau0u+ent 0o,ument ,rou3 E;hiCit 5 to !e
re,or0e0 )n the Mar),opa Count4 Re,or0er@s ff),e 8o,ument num!er Num!er $.#"."6.$"%.
Comp+a)nant ser(e0 a !Ae,t)on to the Respon0ents ()a ema)+ an0 ,ert)f)e0 mail on 6&$#&
9
1= the frau0u+ent Not),e of trustee Sa+e (,rou3 E;hiCit 5) f)+e0 !4 the respon0ents7 2)th the
Mar),opa Count4 Re,or0er@s ff),e on 6/$#/$'1= 8o,ument no. $.#"."6.$"% announ,)n5 that
the Comp+a)nant@s propert4 3no2n as $6":& N. ##$th Wa47 S,otts0a+e7 A> 6/$9$-"&$/ 2)++ !e
so+0 Cat pu!+), au,t)on to the h)5hest !)00er. At the ma)n entran,e of the Super)or Court Bu)+0)n5
$.# W. *efferson7 Phoen)- A> 6/..:7 on 11/1$/$'1= at #$::.PM of sa)0 0a4.D at E #7 8o,ument
$.#"."6.$"%.
;he sa)0 Not),e of ;rustee@s Sa+e (,rou3 E;hiCit 5) f)+e0 !4 the Respon0ent@s represents
a ,+ear frau0 on the Mar),opa Count4 Re,or0erFs ff),e7 a ,+ear frau0 on the <+or)0a Bar
Asso,)at)ons Ru+es of Profess)ona+ Con0u,t 6." an0 a ,+ear frau0 on the Comp+a)nant for the
fo++o2)n5 reasons:
;he ;rustee )n the Not),e of ;rustee Sa+e 0o,ument (,rou3 E;hiCit 5) has no 3oDer
and/or authority to ,on(e4 the 0ee0 of trust 0ate0 ./1.$1$..9 !e,ause Ph)+)p Stone ?u)t ,+a)me0
h)s )nterest to Chr)stopher Sto++er Pens)on an0 Prof)t Shar)n5 P+an L)m)te0 (CSPPSP) on
!e3temCer 1%" $''5" re,or0e0 )n the Mar),opa Count4 Re,or0ers ff),e $..6-.6#/"$$ on
.%1$$1.6 (E;hiCit 1) as 2e++ 3no2n to the Respon0ents.
;he su,,essor trustee 2as 0)(este0 of )ts po2er of sa+e after '%/$$/'5. n !e3temCer
1%" $''57 Ph)+)p Stone transfers an0 ,on(e4s to CSPPSP a Bahamas Corporat)on7 an01or
Chr)stopher Sto++er an01or Leo Sto++er (,o++e,t)(e+47 Ass)5nees)7 un0er the La2 of Ass)5nments of
Causes of A,t)on (E;hiCit $)7 )nsofar as perm)tte0 !4 +a27 fore(er7 an4 an0 a++ ,auses of a,t)on7
reme0)es7 or ,+a)ms7 no2 or )n the future7 that Ass)5nor CSPPSP ha(e a5a)nst an4 part47 not
+)m)te0 to f)nan,)a+ )nst)tut)on7 ,ontra,tors7 !u)+0ers7 an0 the)r emp+o4ees7 aff)+)ates7 su,,essors
an0 ass)5ns7 et a+.7 as 2e++ as the r)5ht to prose,ute su,h ,auses of a,t)on )n the name of Ass)5nor
or Ass)5nees or an4 of them 7 an0 the r)5ht to sett+e or other2)se reso+(e su,h ,auses of a,t)on as
Ass)5nees sees f)t7 re5ar0)n5 the fo++o2)n5 rea+ propert4 )n Mar),opa Count47 State of Ar)>ona:
Lot :7 P)nna,+e <ooth)++s7 a,,or0)n5 to Boo3 :%6 of Maps7 Pa5e /.7 an0 Aff)0a()t of
Corre,t)on re,or0e0 )n 8o,ument No. %9-.#"//6$7 re,or0s of Mar),opa Count47 Ar)>ona.
Assessor@s Par,e+ Num!er: $#9-&"-.""
Common+4 3no2n as: $6":& N. ##$
th
Wa47 S,otts0a+e7 A> 6/$9$.
;he former ;rustee7 Re,onstru,t Co NA7 2as not re5)stere0 as a +oan ser(),er7 !ro3er
2)th the Ar)>ona 8epartment of <)nan,)a+ Inst)tut)ons as of Septem!er %7 $.## an0 pursuant to
the)r Not),e of ;rustee Sa+e Ar)>ona re,or0e0 )n the Mar),opa Re,or0ers ff),e $.##.&/$/## on
.%1.%1$.## (E;hiCit 6) an0 +a,3e0 the author)t4 to transa,t !us)ness 2)th)n the State of Ar)>ona.
;he ;rustee Sa+e Ar)>ona 2as (o)0 ab initio an0 ,an,e+e0 !4 the ;rustee.
&
;he ,omp+a)nant@s she++ ent)t)es7A+T*!)>-CE P-)F)+*) !)+>T*)(! !4A
/2estern Progressi7e Ari9ona *nc4" 2estern Progressi7e ++C4"7 here)n after referre0 to
as(WPAI) (Su!st)tut)on ;rustee) are not re5)stere0 2)th the Ar)>ona 8epartment of <)nan,)a+
Inst)tut)ons an0 are not +),ense0 as a !ro3er or ser(),er of mort5a5es as of the 0ate July $#"
$'1= that the respon0ents f)+e0 2)th the Mar),opa Re,or0ers ff),e )ts Su!st)tut)on of ;rustee
( $.#"."::%/9). ,rou3 E;hiCit 5
Christiana Trust" a di7ision o 2ilmington !a7ings Fund !ociety" Trustee o A-+P
Trust #" s not registered Dith the Ari9ona /e3artment o inancial institutions and is not
licensed as a CroGer or ser7icer o mortgages as o the date July '$" $'1=4 Nor are the4
re5)stere0 2)th the Ar)>ona Corporat)on 8)()s)on an0 the4 0o not ha(e a ,orporat)on ,ert)f),ate
of author)t4 to transa,t !us)ness 2)th)n the State of Ar)>ona.
n July $#" $'1= the Respon0ents f)+e0 the)r Not),e of ;rustee Sa+e an0 8e!t Ga+)0at)on
Not),e7 Statement of !rea,h an0 non performan,e7 an0 these 0o,uments (,rou3 E;hiCit 5) 2ere
frau0u+ent+4 re,or0e0 2)th the Mar),opa Re,or0ers ff),es on July $#" $'1= $'1='=5'$=%4
As 2e++ 3no2n to the Respon0ents the)r su,,essor ;rustee WPAI 0oes not ?ua+)f4 as a
;rustee of the 0ee0 of ;rust )n the ;rustees ,apa,)t4 as an es,ro2 a5ent as re?u)re0 !4 A.R.S. H
::-6.: (A)(9) a,,or0)n5 to the Ar)>ona 8epartment of <)nan,)a+ Inst)tut)ons. WAPI )s not a
re5)stere0 ;rustee7 the4 ha(e no +),ense.
As 2e++ 3no2n to the Respon0ents the statement of !rea,h or non performan,e ( ,rou3
E;hiCit 5)fa+se+4 ,+a)m)n5 that Ph)+)p Stone )s )n Cfore,+osure !e,ause he )s 0e+)n?uent )n
pa4mentsD )s a fa+se an0 m)s+ea0)n5 statement7 !e,ause Phili3 !tone deCts ha7e Ceen
discharged in BanGru3tcy Case (o4 1'&11555&16 /istrict o (eD 0e;ico4 The /eCt
discharge date Das July 1%" $'1'4 (E;hiCit #)
As 2e++ 3no2n to the Respon0ents the !enef),)ar4 or su!st)tute ;rustee +a,3s the
author)t4 un0er the Re+ease an0 <u++ ,on(e4an,e of the ;rustee 8ee0 (E;hiCit =) an0 the
,an,e++at)on of a++ of 0e!ts7 )n,+u0)n5 the a0Austa!+e rate note7 se,ure0 !4 the 8ee0 of ;rust an0
the ;)t+e of the Su!Ae,t Propert4 !e)n5 )n the name of CSPPHP an0 ,annot not !e so+0 un0er the
,on(e4an,e of the 8ee0 of ;rust.
As 2e++ 3no2n to the Comp+a)nants pursuant to the Su!st)tut)on of ;rustee (,rou3
E;hiCit 5) 0ate0 *une %
th
7 $.#" Re,or0ers Num!er $.#"."::%/97 0el&+ing 0itchell7 Conta,t
Mana5ement Coor0)nator7 )s not an ff),er of ,2en Loan Ser(),)n5 LLC an0 )s a
unauthor)>e0 Cro!oD s)5ner. ;h)s )s further e()0en,e of the respon0ents ,+ear frau0 on the
Mar),opa Count4 Re,or0ers ff),e.
As 2e++ 3no2n to the respon0ents the pre()ous trustee (E;hiCit 6) BAC Home Loans
Ser(),)n57 LP.7 (BAC) the su,,essor to Countr42)0e Ban3 Na7 2as not re5)stere0 2)th the
Ar)>ona Corporat)on 8)()s)on7 2as not re5)stere0 as a L)m)te0 L)a!)+)t4 Partnersh)p as of Apr)+
%7 $..%. BAC 2as not re5)stere0 2)th the Ar)>ona 8epartment of <)nan,)a+ Inst)tut)ons. BAC
ha0 no author)t4 to ,on(e4 an4 ass)5nment to -EC)(!T->CT C)0PA(." (4A4 or )cDen
+oan !er7icing ++C4
6
n June #
rd
" $'1=7 the Mar),opa Countr4 Re,or0ers ff),e re,or0e0 a frau0u+ent
ass)5nment C;he re,or0 !enef),)a+ )nterest un0er sa)0 8ee0 of ;rust as a resu+t of the +ast
(frau0u+ent) re,or0e0 ass)5nment thereof )s Chr)st)ana ;rust7 A 8)()s)on of W)+m)n5ton Sa()n5s
<un0 So,)et4 <SB7 not )n )ts )n0)()0ua+ ,apa,)t4 !ut as ;rustee of ARLP ;rust :7 !4 an un+a2fu+
)nstrument Re,or0e0 on *une :7 $.#"7 )n Mar),opa Count4 Re,or0s at Re,or0er@s No. #"-:9./#/
,1o ,2en Loan Ser(),)n5 LLC /&$. Prem)er Par3 8r West Pa+m Bea,h <+ ::".&.D
A 2e++ 3no2n to the Respon0ents a representat)(e of ,2en Loan Ser(),)n5 LLC7 2ho
,+a)me0 to !e an a5ent7 Chirag Patel" on 0arch $6" $'1=
9
7 )nforme0 Chr)stopher Sto++er7 that
he 2as re?u)re0 to ha(e )nsuran,e for h)s propert4 pursuant to a res)0ent)a+ mort5a5e an0 s)n,e
Chr)stopher Sto++er has refuse0 to pro()0e a ,op4 of the )nsuran,e7 ,2en 2as p+a,)n5 )nsuran,e
on the su!Ae,t propert4 an0 2ou+0 !e ,har5)n5 E#"''' annua++47 for a home o2ners )nsuran,e
po+),4 that 2ou+0 5enera++4 ,ost a!out I#''4'' per 4ear.
Chirag Patel ,onf)rme0 )n a te+ephon), ,on(ersat)on ;hurs0a47 August $1" $'1=4 Ch)raa5
Pate+ ,onf)rme0 that the Not),e of ;rustee 0ate0 July $#" $'1= an0 re,or0e0 at the Mar),opa Count4
Re,or0er@s ff),e 0o,ument Num!er $.#"."6.$"% 2as a frau0 an0 ()o+ate0 the <are 8e!t
Co++e,t)on A,t !4 attempt)n5 to ,o++e,t a 0e!t of Ph)+)p B. Stone that 2as 0)s,har5e0 )n a Ne2
Me-),o Ban3rupt,4 pro,ee0)n5. Chirag Patel state0 that ,2en )s a2are of the 8ee0 of Re-
Con(e4an,e that the4 re,e)(e0 !4 ,ert)f)e0 ma)+7 that ,2en has no +a2fu+ )nterest )n the propert4
3no2n as $6":& N. ##$th Wa4 S,otts0a+e7 Ar)>ona 6/$9$ an0 ,2en Loan an01or )ts a5ent Western
Pro5ress)(e-Ar)>ona7 In,.7 2)++ )mme0)ate+4 for2ar0 Not),e to: $6":& N. ##$th Wa4 S,otts0a+e7
Ar)>ona 6/$9$ that the Not),e of ;rustee@s Sa+e for (o7emCer 1$" $'1= (E;hiCit ,rou3 E;hiCit 5)
)s permanent+4 ,an,e+e0. See a true an0 ,orre,t ,op4 of the ema)+ mar3e0 as E;hiCit 5 (ema)+
,onf)rmat)on)
Not2)thstan0)n57the Respon0ents 3no2)n5+4 an0 2)++fu++4 are ,ont)nu)n5 to un+a2fu++4
fore,+ose (,rou3 E;hiCit 5) on the Comp+a)nant@s propert4 on (o7emCer 1$" $'1=
6
Respon0ents are 2e++ a2are that the4 are not not ent)t+e0 to enfor,e the sa)0 note or
mort5a5e a5a)nst Ph)+)p Stone7 2h),h has !een 0)s,har5e0 (E;hiCit #) A Re+ease0 2)th a fu++ Re-
,on(e4an,e of the 8ee0 ;rust an0 Can,e++at)on of the Prom)ssor4 Note an0 the A0Austa!+e Rate
Note se,ur)n5 the 8ee0 of ;rust has !een f)+e0 an0 re,or0e0 2)th the Mar),opa Count4
Re,or0er ff),e $.#"-./#$$". .61."1#". (E;hiCit =) as Dell GnoDn to the -es3ondents4
The -es3ondents are )n ()o+at)on of the <a)r 8e!t Co++e,t)on Pra,t),es A,t an0 the
<e0era+ <a)r 8e!t Co++e,t)on Pra,t),es A,t !4 attempt)n5 to ,o++e,t on a 0e!t from Phili3 B4
!tone that )s not o2e0 that )n an of )tse+f )s a ()o+at)on of the <+or)0a Ru+es of Profess)ona+
Con0u,t. ;he 0e!t has !een 0)s,har5e0 E;hiCit #4
9 )cDen +oan !er7icing ha0 no author)t4 to p+a,e an home o2ners )nsuran,e po+),4
on the su!Ae,t on Mar,h $97 $..". Chr)stopher Sto++er that th)s 2as 0one pr)mar)+4 for
the Respon0ents to re,e)(e a C3),3!a,3sD )n the form of ,omm)ss)ons from the
)nsuran,e ,ompan4 from 2hom po+),)es 2ere o!ta)ne0 an0 p+a,e07 2h),h ,ause0 the
rates an0 the amount of ,o(era5e to !e e-,ess)(e )n ()o+at)on of the +a2.
& It )s ur5ent that the The Florida Bar Attorney/Consumer Assistance Program (ACAP)
)mme0)ate+4 ser(e upon the respon0ents a ,op4 of the Comp+a)nant ,omp+a)nt an0 to a++o2
the ,omp+a)nt to f)+e )ts rep+4 to the Respon0ents@ ans2er.
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In Respon0ents frau0u+ent !uCstitution o Trustee /ocument (,rou3 E;hiCit 5)
Re,or0)n5 Re?ueste0 !4 the sham t)t+e ,ompan47 Prem)um ;)t+e A5en,47 In,.7 f)+e0 )n the
Mar),opa Count4 Re,or0er@s off),e on July $" $'1= $.#"."::%/97 states that C;he su,,essor
trustee (Western Pro5ress)(e -Ar)>ona7 In,.) appo)nte0 here)n ?ua+)f)es as trustee of the trust
8ee0 )n the trustee@s ,apa,)t4 as an *nsurance Com3any as re?u)re0 !4 ARS Se,t)on ::-6.:7
Su!se,t)on (A)(9). ;he a!o(e )s a frau0u+ent statement as 2e++ 3no2n to the Respon0ents. As of
August 6" $'1= Western Pro5ress)(e -Ar)>ona7 In,.7 2as not re5)stere0 2)th the Ar)>ona
8epartment of Insuran,e to 0o !us)ness )n Ar)>ona as an Insuran,e Compan4 a,,or0)n5 to -uth
)Heda" an em3loyee Dith the Ari9ona /e3artment o *nsurance4
The -es3ondents ha(e !een not)f)e0 !4 the ,omp+a)nant ()a ema)+ an0 ,ert)f)e0 ma)+
,orrespon0en,e of )ts o!Ae,t)on to the frau0u+ent ;rustee Sa+e 2h),h )s mar3e0 as ,rou3
E;hiCit %4 ;he Respon0ents ha(e refuse0 an0 fa)+e0 to ta3e an4 reme0)a+ a,t)on to Dith draD
the raudulent (otice o Trustee !ale (,rou3 E;hiCit 5) as o August 16" $'1=4
;he Respon0ents are ,+ear+4 )n ()o+at)on of the <+or)0a Ru+es of Profess)ona+ Con0u,t
Ru+e(s) =41" =4#" =4=" 541" 54$" 5"#" 545" 541" 54= an0 546 et a+.7 )n ,on0u,t)n5 the un+a2fu+
resienti"l non-$uici"l %oreclosure m"r0e "s Exhibit roup Exhibit ! in Arizona
which is clearly evidenced in this complaint.
2?E-EF)-E" Comp+a)nant pra4s that the The Florida Bar Attorney/Consumer
Assistance Program (ACAP) )mme0)ate+4 ass)5n th)s matter to a hear)n57 pane+7 that a 0ate for
hear)n5 !e )mme0)ate+4 set7 that the hear)n5 !e ,on0u,te0 an0 that the pane+ ma3e f)n0)n5s of
fa,t7 ,on,+us)ons of +a2 an0 a re,ommen0at)on for su,h 0)s,)p+)ne as )s 2arrante0 !4 )ts f)n0)n5s.
<urther that the Respon0ents !e )mme0)ate+4 suspen0e0 from the pra,t),e of +a2 pen0)n5 a fu++
hear)n5 on th)s ,omp+a)nt 2h),h ,onta)ns pr)ma fa,)e an0 )rrefuta!+e e()0en,e of the
Respon0ents Profess)ona+ M)s,on0u,t.

Chr)stopher Sto++er
P.. Bo- 9.9"/
Ch),a5o7 I++)no)s 9.99.
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CE-T*F*CAT*)(
Bn0er pena+t)es as pro()0e0 !4 +a27 the un0ers)5ne0 ,ert)f)es that the statements set forth
)n th)s )nstrument are true an0 ,orre,t7 e-,ept as to matters there)n state0 to !e on )nformat)on
an0 !e+)ef an0 as su,h matters the un0ers)5ne0 ,ert)f)es as aforesa)0 that he (er)+4 !e+)e(es the
same to !e true. An0 )f ,a++e0 to test)f4 2ou+0 test)f4 to same.
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