Charlie G

IN THE CIRCUIT COURT OF THE TWENTIETH . Coort Lee~\(QLl!ll;W~~

JUDICIAL CIRCUIT IN AND FOR LEE COUNTY, FLORIDA BY: D. C.
CIVIL ACTION ~

Sial••r
~n
WASHINGTON MUTUAL BANK FIKIA WASHINGTO~ie
BANK, FA SUCCESSOR BY MERGER TO BANKUNIT .
FIKJA BANK UNITED OFTEXAS,FSB, I
PbintiO', I

vs,
CASE NO. . St . beck Margaret 0
DNISION Judge. am ,
07-CA-011562 \0
LARRY R. BRADSHAW; THE UNKNVWN SPOUSE OF LARRY R. BRADSHAW; ANY Arm ALL
UNKNOWN PARTIES CLAIMING BY, THROUGH, UNDER, AND AGAINST THE HEREIN NAMED
INDIVIDUAL DEFENDANT(S) WHO ARE NOT KNOWN TO BE DEAD OR ALIVE, WHETHER SAID
UNKNOWN PARTIES MAY CLAIM AN INTEREST AS SPOUSES, HEIRS, DEVISEES, GRANTEES, OR
OTHER CLAIMANTS; THE BANK OF NEW YORK TRUST COMPANY, N.A. AS SUCCESSOR TO
JPMORGAN CHASE BANK N.A. FIKIA THE CHASE MANHATTAN BANK AS INDENTURE TRUSTEE;
. TENANT #1, TENANT #2, TENANT #3, and TENANT #4 the names being fictitious to account for parties in
possession
" . ' ... _ ~... " _ .. _~erendaDt(s). ..:. -_ ~:,.~ ..~ _.
____________ 1
- ·_';l~,~' _ '-"V.:.\·~ ••.rc.'':.
~••::.- •.• ;,:;;-.;,."........,...::-.:-'-,.".,
.
.•• "' .•••,.;..y.J... .....,'~,,:t_~
.. ~~.- " .

:NOTICE OF LIS PENDENI?

C'"N.-V,c'· ', .. ' _',-':~ ":"~':" ~ •. ~ --;.T94:he.abq.\:'~~edD.e1endari~s) and~a1l:.others.Who!ll.-it<m::tY:~ll~~:·"· _ ." , ,-' . C.c;?~:~~~.. '--_ .',~..,y'''-,,-~
_....
You are notified of the institution of this action by the above-named Plaintiff, against you seeking to foreclose a
mortgage recorded in Official Records Book 3025, Page 2847, on the following property in LEE County, Florida:
LOTS 5 &6, BLOCK 134, QF nIcAT CERTAIN SUB.I>IVlSION KNOWN AS SAN CARLOS PARK,.
UNIT 12, ACCORDING TO THE PLAT OR MAP THEREOF RECORDED IN THE OFFICE OF

:'::'~J&
THE CLERK OF THE CIRCUIT COURT OF LEE COUNTY, FLORIDA IN DEED BOOK~U~AT _

day of {~p±twbet' ,2007. • c'~" "

Echevarria, Codilis & Stawiarski

P,O. Box 25018
Tampa, Florida 33622-5018
(S 13) 2( 1r'~66 . ,
BY:~~~~~ __~~~ _
Kiersten Jensen
FLORIDA BAR NO, 0667854
Barbara Leon
r FLORIDA BARNO. 582115
FIDWELLS-FHA-B-kchider

FILE_NUMBER: F07025728

I~IIIIIII~II~~I~~~IIIII~IIIIII!III~I 11~1~1~IIIII~ll~I~II~
EXHIBIT

I /
 . S 17
Char Ii . 2007
IN THE ClRCUIT COURT OF THE TWENTIETH e 1'een CJ
JUDICIAL CIRCUIT IN AND FOR LEE COUNTY, FLORIDA
COOrt ..
CIVIL ACTION
BY;______ n Y. F7or1daft
D.C.

WASHINGTON MlITUAL BANK FfKlA WASHINGTON MUTUAL BANK, FA SUCCESSOR BY MERGER

TO BAMrnNlTED, FSB FIKfA BANK UNITED OF TEXAS, FSB,
Plaintiff,
07 - CA-011562
CASE NO. Judge: Steinbeck, Margaret 0
VS. DIVISION

LARRY R. BRADSHAW; THE UNKNOWN SPOUSE OF LARRY R. BRADSHA w, ANY AND ALL
UNKNOWN PARTIES CLAIMING BY, THROUGH, UNDER, AND AGAINST THE HEREIN NAMED
INDIVIDUAL DEFENDANT(S) WHO ARE NOT KNOWN TO BE DEAD OR ALIVE, WHETHER SAID
UNKNOWN PARTIES MAY CLAIM AN INTEREST AS SPOUSES, HEIRS, DEVISEES, GRANTEES, OR
OTHER CLAIMANTSj THE BANK OF NEW YORK TRUST COMPANY, N.A. AS SUCCESSOR TO
JPMORGAN CHASE BANK N.A. FfKJA THE CHASE MANHATTAN BANK AS INDENTURE TRUSTEE;
TENANT #1, TENANT #2, TENANT #3, and TENANT #4 the names being fictitious to account for parties in
possession
Defendant(s).

SUCCESSOR BY MERGER TO BANKUNITED, FSB FIKiA BANK UNITED OF TEXAS, FSB, 'suesDefendants, --- - .-... - -.--

LARRY R. BRADSHAW, TIfE UNKNOWN SPOUSE OF LARRY R. BRADSHAW; ANY AND ALL
. UNKNOWN PARTIES CLAIMING BY, THROUGH, UNDER, AND AGAINST THE HEREIN NAMED
INDIVIDUAL DEFENDANT(S) WHO ARE NOT KNOWN TO BE DEAD OR ALIVE,-WHETHER SAID··· - -- ...
--_. ------ -- ".-- --- --.. -- . -. - "- . .- -- -..... - .•...-.•--.;..~-. ..•.. .. = -- .• - - - .. ---- - -- - - --
UNKNOWN PARTIES MAY CLAIM AN INTEREST·AS ~SI>.OUSES,HEIRS, DEVlSEES;GRANTEES;: ·0R.:~ c.':,::, - .. '-.-=-:~:"

OTIIER CLAIMANTS; THE BANK OF NEW YORK TRUST COMPANY, N.A AS SUCCESSOR TO
JPMORGAN CHASE BANK N.A. FIKJA TIIE CHASE MANHATTAN BANK AS INDENTIJRE TRUSTEE;
TENANT #1, TENANT #2, TENANT li3 and TENANT #4 the names being fictitious to account for parties in
possession, and alleges:

1. This is an in rem action to foreclose a mortgage on real property located and situated in LEE County,
Florida.

FILE_NUMBER: F07025728 DOC_IO: M000100

111~1111I11111~~~~11~1~1111111111111111
 2. This firm bas complied with the notice requirement of the Fair Debt Collection Practices Act., 15
U.S.C. § ]601, as amended. The Notice{s) previously mailed by the firm is attached hereto and incorporated herein
as an Exhibit,
3. On October 16, 1998, there was executed and delivered a Promissory Note rMortgage Note"} and a

Mortgage (HMortgage'~ securing the payment of the Mortgage Note. The Mortgage was recorded on October 19. 1998,
in Official Records Book 3025 at Page 2847, of the Public Records of LEE County, Florida. (All subsequent recording
references are to the public records of LEE County, Florida) and mortgaged the real and personal property ("PropertyJl)
described therein,. then owned by and in possession of me Mortgagor( s). Copies of the .original Mortgage Note and

Mortgage are attached hereto and incorporated herein as an Exhibit.

4. Plaintiff is now the holder of the Mortgage Note and Mortgage.
5. The Property is now owned of record by Defendant(s), LARRY R. BRADSHAW.
6. The Mortgage Note and Mortgage are in default. The required installment payment of March 1,
2007, was not paid, and no subsequent payments have been made. The Mortgage is contractually due for the March
...~.... ~J ..?OOJ,'payIIlent; J::h~ last paymentreceived wasapplied to the February 1, 2007, installment,' ~.9.~n(r
!1ubsequenC', -.- ...:.:.:..~
.....:,.,.,~- .....
---'paYmeritsllllvelleen applied tothe loan. ": .... ~ -_.. ... -'- .::- ...:-0::0. ~~ ..-~ , z>

:. '.. ' ~.:. :i8:~'-::;C.. 1<: .:..~:Jllain.tift:cJe.~~s

the fultamount p.ay.ahJ~~Dgi'rllltiMortgageN.ote and.Mort~e;w:"e nbwnue~~~;:;.~ ~~~::-<'i::::;
,,~.~.:.::
..;;',::'~~?:ii.,;:"G~~·';:::::2.
::.!;"~~i~r:e-: _.~": _. '_'oc.. ~-.,,,;:"',:,_~ . .c-. ••:t:::,.;~:";",:::.._;.-<::..;".,.-<,~. ,~~,~;:hj... ..:"":.:::jf~' ':"- . _ : _ ~ -. _. .:;0.,;. --;::-'~~~ ,:~;;::""':-'~ <:;;-:i!.:!::... _ --:._ . _." ::r: ~7":.. -zr: ".
..-- ::..--.8., .'-Plalntiffnlust-kpaid $100;596.05 in principal onthe Mortgage Note and'Mortgagc,·togetherwitli-·· ,-' ',_ - - .-

interest from February 1,2007, late charges, and all costs of collection including title search expenses for
ascertaining necessary parties to this action and reasonable attorney's fees.
9. ..- All conditions precedeot to the accelerationof'theMortgage Note and foreclosure of the Mortgage --- --- .-_. -
_____ -'S." •• _~""'" _. _. ._

._-'_ ,i:J:~Y.:..l<~H~Uc:.SJ.l~_~~'::j::PEC~g.:<-:.::::.
~.' .~_...... :::>;;;;., ~.. ._." ;., ._-=.~-... .

·10. . Plaintiff has retained the law firm of Echevarria, Codilis & Stawiarski, in this action and is obligated
to pay it a reasonable fee for its services in bringing this action as well as all costs of collection.
l l. The interests of each Defendant are subject, subordinate, and inferior to the right, title, interest, and
lien of Plaintiffs Mortgage with the exception of any special assessments that are superior pursuant to Florida
Statutes § 159 (2006) and Florida Statutes § ]70.09 (2006).
12. 'rHE UNKNOWN SPOUSE OF LARRY R BRADSHAW may have or claim an interest in the
Property that is the subject of this Foreclosure action by virtue of homestead rights, possession, or any right of
redemption, or may otherwise claim an interest in the Property.
l3. TIlE BANK OF NEW YORK lRUST COMPANY, N.A. AS SUCCESSOR TO JPMORGAN
CHASE BANK N.A. FIKJA THE CHASE MA NHA IT AN BANK AS TNDENTIJRE TRUSTEE may have or claim an
interest in the Property that is the subject of this Foreclosure action by virtue ofaMortgage recorded in Official Records
Book 3198, Page 725; an Assignment of Mortgage recorded in Official Records Book 3286, Page 1195; a Notice of Lis
Pendens recorded ill Official Record Instrument # 2007000062361, or may otherwise claim an interest in the Property.

2
 14. TENANT #1, TENANT #2, TENANT #3 and TENANT #4, the names being fictitious to account
for parties in possession may claim some interest in the Property that is the subject of this foreclosure action by virtue of
an unrecorded lease or purchase option, by virtue of possession, or may otherwise claim an interest in the Property. The
names of these Defendants are unknown to the Plaintiff.

WHEREFORE, Plaintiff requests that the Court ascertain the amount due Plaintiff for principal and interest on
the Mortgage Note and Mortgage and for late charges, abstracting, taxes, expenses and costs, including anomey's fees,
plus interest thereon; that if the sums due Plaintiff under the Mortgage Note and Mortgage are not paid immediately, the
Court foreclose the Mortgage and the Clerk oftbe Court sell the Property securing the indebtedness to satisfy Plaintiff's

mortgage lien in accordance with the provisions of Florida Statutes §45.031 (2006); that the rights. title and interest of
any Defendant, or any party claiming by, through, under or against any Defendant named herein or hereafter made it

Defendant be forever barred and foreclosed; that the Court appoint a receiver of the Property and of the rents, issues,
income and profits thereof; or in the alternative, order sequestration of rents, issues, income and profits pursuant to
Florida Statutes §697.07 (2006); and that the Court retain jurisdiction oftbis action to make any and all further orders
---,' ~ - - - .,. "and-=-judgrnents· asc-may -be necessary-end proper;..-CmCluding -the-issuance-of a' writ· of possession-and the-entry of 11~-c>.,'-~ "'-' c--- -'Co, -,- •.: -"'..;:-

:~-':'.~'-' .".' -r., -r ' deficiency decree, when' and" if such .deficiency decree shiUi-appear proper, :if·borrowerf s) hail 'not'b&:ii<dtscl1atged- in "'--". . ., .. ;,i" :.r:. .~;;,-

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Echevarria, Codilis & Stawiarski

P.O. Box 25018

__~1:) zrt7t .
.' .. __ J'ampa.Florida 33622-5018

,BY:~ ~)
Kiersten Jensen
FLORIDA BAR NO. 0667854
Barbara Leon
FLORIDA BAR NO. 582115
FLDWELLS·FHA-B-kchideT

3
 ECHEVARRIA, CODILIS & STAWIARSKI
ATTORNEYS AT LAW
9119 CORPORATE LAKE DRIVE
3RDFLOOR
TAMPA, FLORIDA 33634

Please reply to: Telephone (813) 251-4766

Post Office Box 2.50] 8 Telefax(813) 25]-]541
Tampa, FL 33622-5018

September 25,2007

LARRY BRADSHAW
1829] USEPPA ROAD
FORT MYERS, FL 339J2

Re:
Loan Number: 6164361104
Mortgage Servlcer WELLS FARGO BANK, N.A. SUCCESSOR BY MERGER TO
-'_-_·'.~C,c<. ".:O~;--'-':"'--';:''''''''''-'' ::_'_: ."-' .. '..- ~ .;-._, - __ ,_",,:-MI.Ls.....fARGQROJ\1E MOE.TGAOE"lNC. ::..~~.!_~--:~.__ .... "...:_.,~.. ~.._. __ .'~.~...'~ _" .. _c.,.="""''''''
.. Creditor to whom WASHINGTONMUruALBANK F/K.lA WASHINGTON
- --•. , -,c._- "'....;-::.1;:..:.... _--:-=0 .. tIic""-debt'ls-oWed::' -,- MirfultrBMX;-PAsutCESSOR BY- MERGERTO .-.. ;;;..:....:..... ... "'-.:': -c..",':'= ' .•.• --- '-';'=~'-::'.""

.,::z... ~~, '<',"=" •..",. •.•.. _•.... -~..... .. _ .. BAN~])w.Um, FSB FIKIA BANK~TEDOF TEXAS,fSB
--.'.--'-.~."
-.~'~~="~:~'.
• _"C. t,

"Pi:pperty Addr~s_~:,:~j82gttJ~rF)::R.DAn;PORT MYERS; FL' .~3912,~':::::?:;:'~:'~' "

.
•.--':.;:.- -
-.'
-
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--. -- Our FileNo.: F01025728

Dear Borrower:

Codilis & Stawiarski (hereinafter referred to as "law firm") has been retained-
The law firm of Echevarria,
to"representWASHlNGTOl''1-MUTIJAL BANK FIKJA W ASHJNGTON MUTUAL BANK, FA SOCCESS0R-B-'1--- -----
MERGER"TOB@KUNlTED, FSB FIKIA BANK UNITED OF TEXAS, FSB with regards to its-fute'fc-m-in tlJe ,--- '~"
'prOmisso!yNole and Mortgage executed by LARRY BRADSHAW on October 16,1998. Pursuant-to-the-terrnsof-> ~"~
the promissory Note and Mortgage, our client has accelerated all sums due and owing. which means that til-;; entire
principal balance and all oilier sums recoverable under the terms of the promissory Note and Mortgage are now due,

As of the date of this letter, the amount owed to our client is $100,841.&0, which includes the unpaid
principal balance, accrued interest through today, late charges, and other default-related costs recoverable under the
terms of the promissory Note and Mortgage. Additional interest will accrue after the date of this letter.

This correspondence is being sent to comply with the Fair Debt Collection Practices Act and should not be
considered a payoff letter. Our client may make advances and incur fees and expenses after-the date of this letter
which are recoverable under the terms of the promissory Note and Mortgage. Therefore, if you wish to receive
figures to reinstate (bring your loan current) or payoff your loan through a specific date, please contact this law linn
at (813) 251-4766 or clientservicesjgdefaultlawfl.com,

FILE NUMBER: F0702572& DOC_ID: M005104

lIIMilllllllllllllll~~~111111111111I1 111~111~11~~I~;~IIIII~~~
 Unless you notify this law firm within thirty (30) days after your receipt of this letter that the validity of
this debt, Or any portion thereof, is disputed, this law firm will assume thai the debt is valid. If you do notify this
law firm in writing within thirty (30) days after receipt of this letter that the debt, or any portion thereof, is disputed,
this law firm will obtain verification of the debt or a copy of the judgment against you, if any, and mail it to you;
Also, upon your written reqtre!:t within thirty (30) days after your receipt of this letter, this law firm will provide you
with the name and address of the original creditor, if different from the current creditor. Echevarria, Codilis &.
Stawiarski is a debt collector. This law firm is attempting to collect a debt, and any information obtained will be
used for that purpose.

All written requests should be addressed to Kiersten Jensen, Echevarria, Codilis & Stawiarski, P.O. Box
25018. Tampa, Florida 33622-5(]1 &.

This law firm is in the process of filing a Complaint OIl the promissory Note and Mortgageto foreclose on
real estate. The advice in this letter pertains to your dealings with this law firm as a debt collector. It does not affect
your dealings with the Court. and in particular, it does not change the time at which you must answer the Complaint
The Summons ~ a command from me Court, not from this law firm, and you must follow its instructions even if you
dispute the validity or amount of the debt The advice in this letter also does not affect this law firm's relations with
the Court This law firm may file papers in the suit according to the Court's rules and the judge's instructions.

, ~. __ '_ ••• c:lin~~,if y.o~p[~~io!cl~Y,r~ej~ed a discharge in a bankruptcy involving this loan and did Dot signa ..
O_c _ •• __

,·--:::--.-~-::reiI.ffiiiliaiion~ilgriemen~ t!lellthis·lCiter iS~nb{-an attempt to collect adebt from you pers(5iially. .Tliis iawTUlIl.js~~_. c,_..... --,,=·c.~·.~~:
-,.'-;. : , .• ~ -t., _'r':<~;"_",,. seeking-solely. to-fereclese-the ·"'J.\cditor's.·!ienon -real. estate-and this"law firm .will not.be seeking a perseeal-mcaey,e .. ·';~·~i~-:; ..' ~.. .: --4\. ,_
.. judgmeat againstyou. --- ---- ··_c.-.o-~"-=c_·.-,=~·-··
.

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- -e-r-a-r--c, ~. If you have questions regarding this-marter, please do.not hesitate to cootacttl;iis·la,w firm. _~~.-.'.:.::-._, ~_~ -~ .,-: :~~.:.:_~;-_.-~~~~~.:

Echevarria, Codilis & Stawiarski

Attorneys for WASHINGTON MUTIJAL BANK FfKJA
WASlDNGTON MUTUAL BANK, FA SUCCESSOR BY
..MERGER-TO-BANKUNITED, FSB F/KJA BANKUNlTED OF
··,,-TE-XAS,-FSB--- -.----.<

KIERSTEN JENSEN

NOTICE

Echevarria, Codilis & Stawiarski is a debt collector. This Firm is attempting to collect a
debt, and information obtained may be used for the purpose.
 1'n)Io<a11»"
IrwiJ:I Man:.gAge coqx>t'&'ticn
l)5)D Siu S:~ !b~... $t_ .l.gS
t'l.'U""'iII~er4 FL ')'')701;0

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TIllS .MORTGAGE f"SC::~U1i1)- Igs,lNJDCr'iI·J j, ,i\'CD on ecca.bor ae , 1~51&
llttMon.Pf.oris t.a.n:y)t~ Bradsbaw and. EileC'l1 J. ~haw •. hu.sban! and v1.fe

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1l:~'1l.i6ePPD 1\Ga!d~ Fon ~~ s, 'FL nUL

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-.i&s for 1DOJIIh1)·~'mOIn."'-ilI! lilt MI ddIC. ir_ poi! C'IrUcT.
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..s;i<>\1ons 01 tile !'I""" Ibl "'" ~-.ba;1 or all Olhro •••••••
••ill> ,.IOl' •••• ad\-...a:d .-. ~ 1",1""'«1 obe ~rilf of thS _I' ins>nmo.-'lII: _ oc:)\be J>i"fQ"'''''C<

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 01 Bam,,,",,,', ""'=>IllS "'"' >pa:mmI:I ondu \his 5c:t1JriIy INlnUD<J11..., lbe /'lal e. Fer 11>;'J1U1JlO'C. Ban"" ...,.
dnr;s ~ """'pt<. ~..", >Dd a",,'C)' 10 she I..aukT lh< fnll...n"l< .cl..cn1d fN"I'<1l7 In<:>O<d in
I.<ie C"""'Y.1",.'iIb:

Lots 5 .L s , lJlo~); lJ.~. of tJ~t c4lr~i.D subdivision k.no1.n as SAP CAALOS

PAJUt. UPlT 12 • .;aeco.rdiJlg ~o t.he plilt or Sr.iIp t:here.of ¥".cor~d in t.he Office
e! rJl'e_ Clerk ot cae Circuit Courr-.of 'the-county. Flarida i.n Det:d.Book l:!G.
:-:j_rpas<: I,,)ns. . - . -"'-._"-

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flolidlo n9l2 IZ4>Cnal (''''''p<JI)" /IoW"",-!;

TOGETHER WITH 011 ,be iDlp"" .•••••••• ".,... 01" hcrn>rtrJ rn=d no 111, I""J'C"Y. :md :011 c>ro<mon".
~ ;md roollrCS _ at ~ • ron Gf Ih< propat1. 1111 rcpb=ac •••• and oddi,ioas sJg)1 :obn ""
CO\"<m! by "'Is Sa:uriq' lnS"'DnaII. All ~rtllc: kuq';"~ i ••.• _ ia In II,,, 5a:urity _""" aslhc -f'ropm)'.-

BOItl!OWEJf. COVENM,S!hat Bol'TDlt'tr " traofully Jcind of !be <:mi. bcrdJ! a ••wC)"cl ;md boo .1>0 "JIll'"
RlDI'Ipj!e. _ .,., «>IJ\")" !he i'n>pal)" and .bot
tIu: Pro;>cny unrnruU1bcn:d.. r.
1:lI<CpI Iar ."""~ or n• ..:.,ro.
~ ""UTZD15 ond ••iU·ddood ~ ~"o·"dc 1<>,""" P",J'<"7 apin>I .11 clalars """ ~ ""hjo.~ ." ""r
_~of,=rd.
THIS SECURIT1f INSTRUMBn ., rn unDO Wliform ""'= fu, Jalioul \1S4" and null_If •••.•.• on'<"l'ODllS
'Ai1lItimim:! ,"3riiuiom b}' juJi$diaioDl to ~irU'tI:: ~ wiforlu 5CCUrlt)' imatuIu;m ro~"l:ritlI real prllpL'1"lY .

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UNlroR1I1 cove"AloiTS.

I. ~"''''' or Pr1nclpol, ••••_ ami t..I. ~ Do"..,...,.

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i••••••••••• 1h>" •• ~ by "'" N.1e _I ••• ~ d",,'un<kr,~ No;.,.
:z. MD!lIbIy hsm ••••at Tba. Insuntn """ OlIo ••. ChIli):'" Bom>ILn shaU melud< '" =II 1mnIb!l'
payment. ,o~ ...uh•••• prin<ipoIlIOd ;"on:" '" lCI fonl> is I~ N••• """ ""1 1:00<doarEC. • ~ f•• ~I """,. :md
sp«:iaI ~ 1~ OT u> II< }<S;..) ~ ,ho "'-"Y. (.! Ia.schokl plymcan ••• p>OCDJ ""'" ••••••••..
I"ropcrty • .m Ie, p~ r_l~ rc<JUin:d _ jUr~ 4_ I. My whid> ••• ~ y='"
'""" 1"'>' ~
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NOTE I'IlACax
D99-DD6366)-7D3'
110_

TIlE STAn DOCUMBllTAIfY TAX DUI! ON lHI15 NOTl HAS IIeB\I PAID AND THe f'R()~ STAMPS HAVE
BHN AFFIXED TO THI; MORTGAGE SECUIIING 'THIS INDEBTEDNESS.

~r 16, l'~B
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---~Bonower~memIS~n sll11ll1£ ",-111. _ nf .hls-Illtife.,.nd-rtle pmIO n,·S.JIJCC5J(1~ HId"",_ "u.n.ter.::..rn.:m-.s
Irwin Hort9~~e corpor~tion

2. BORROWER'S I"ROMIS£ TO PAY; INTEIEST

_1-n_~lorl ~_~ from Lmller. BormwI!r pmm~ lopgyll1eprinclplll1l1!lof O!?-~llUndred TWelve
11>Ou"'••nd Nine ""ndr"d Thirty Five and 00/10D

DoIIaB (U.s. $-112-, 935 i'OQ , ).pllII mt=lt;1D Ihoil«h:;-of la1ikr.-ImeresI-wiI!·~Chargcd on~id-pnnclpll. _.. •__
from the 1I11e:
I'f d~ of !be Iaan-procccd& by Le!D:r, er tbt mof Sevm an.d--One-~lITteT
rc=nl { 7. 250 ~l pcryuruntlilt.: fun lIIOOIJIIlorprincipll II""'""'" pm.

J_ l'ROMJSE TO PAY SF£UREb

8omJwer's pron!iJe '''PlY is ~ ~ II ~ deed cfll1llll er Ilmillt seeml}' instnnnenI !hat la dall'll the WIle dill:
III this No&c kWI caJIClIIlhc 'Sc:arrity IlIIfnImetII.· The St£urity ~1lI1DC1a ~ the l.cndcr fmnt 1<ll<>QI..midi mijht n:sull if
Ilnmowq .x:r""IIlIIJnda-lbif Note. .

4. MANNER 01'" fA YMENT

(0\1 Time
BDl1'lOWOrmil mm I J'IIYII>CAI Dr princ;i~ """ illlmll 10 Lender on IIIe Om day Dr ea:h rmntb bqlionin! CD
~","b..-r l • l.P~' • Arry prit>ci-pU •••• no_ ~ I\1l .he flm <by or }fo"'-a,..

Z028 • ,.,m he due nil !hili dale. "idJ il u!lcd the • MIIDriIy Datt:
nn l'ke
PlIY,"",,1 !!hall te madI1 M 926§ COUnselor' a Row, Indianapolis. III 46240
Of • arcb plac:e II!. Lmd.,- nury desi~M" ill "'rhlllJ
ny notice In Borrowa'.
(0 ~mount
Dr
fach QI11hIy PIYJIX'I'I prillcipaJ and inlaal w!I111c In Ib;amount or U.S. S 770. &2 • This
amnant "';11 to<;pou1 of. Wp l1IOIItkIy J"IY"1"I'C RqUitd by rbc $c:curiIy [natlUmaK. lhllt >han to<;applied to principal, inl ••••
aJl(\ ntba-III:IIIS in the crdcr dacriIed in IIIc Sa:urity Inarummt.
(0) AUoncetou."""*forpey.-~ .
If an aIloIIp ptoviding for pa)'IIIeIII ..rj1lSlmllDlS II =cd by IJDrrotau ~ Willi thi. Note, tile awttWIU ot
the J1\orI~ stu.l1 be incorpcIl'llecJ inln and JhlllI ~ UId ""JIPkmeIrt lire CIIM2YII1~(OrIItls Note :a!; if rhe allOl1IC ""= I part u

Ihh NN"- fO=k MPI'I~h: """1

Ocm.dllltcd ~ AI1mlge DGmwlng Eqully Annn~ DOthcr Ilpt'CifyJ

 s. lIORROWF..R"S JUGlIf TO !'REPAY
~ bu 11mrisJ1l1O pay !he dcbI t'Ii~ by mil NIte, In wfIole or in pm, wilhout ctmge or pma!ty, on the flDt
~ of PI)' TlJODIb.LaIdcr Illlli .a:c:pt ~JmIt \lIIob:r days pmvldallha! 8cJIIuM:rpl,Ylllllcrat mllbe IIIIDUl1I prepaid for
lhe remainder of IhI: IDDI"d!10 Iln: cmnt. rcqubaJ by Under aod pcnniw.! by ~ uftbe ~.If fIorrowa" mDelI a
pAlliAl J>1c:pl}mC:lll. ~ wlll be 00 dlanres in the doe date or in ~ IIlIIOOTII.lilt"" monthly poyn=l 'fllles:s L=du agm:s in
"IIITlU'IK to th<a: d1IJI8I'I.

f.. lIORRQWER"S FAILUJiE TO PAY

(A) Late ChIrp rnr fftaoM ~
.. ·If Lender ha 1lCIt.~w:cIlhe fuJllllOlllllly PaYmenI TCIjtlJrcd by lilt Security InstmlDClll, /IS Ilcscrlbcd in r •• gnph .-,"
-I' -... .~= '.~
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'~~H'" .·"'w~''''''L~" . _~._.

_t ':~~~~.-'
. 4(C) of I~is Nnt~. by !he atd. of fi/'t""" ""endar my. "" ••. ~ poymetII h dill!. ~ may mllod a I.", marll" in the annmI .
. ·".~,""Yi':..... ·'~_'. nt.£.ouz. an4_IIo::lboUi!il.••d~. - .. pttcerIt.( ~".OOO")oftht!~!lf!a=1nL!)f,!;lIC1LpIYll1mI .. !..•. "''''_ ._ .::="",~~::c. .. - _ ~,-:o-.f_

rR)~~~ ck:fIIIl~~ 6Im"8 !Opay'~;1 my ~y ~R!>l.-lbcD l..c:Ilder may •••••• lEi limiUll by ~;;- : .... ~ . :~~~:~~. =~r~"'-=~ ~~~~",,=r.v!"~~~
: '~. -~.,-;:~iitf!ie:~1ii-Jlie-Wcorpayuau tillllltJ. ~rc ~~iil'fu~hi!~fu:.~nlalmcerenjlii~~~ :;::::~i-'':.':~ =r=i-r=; ..~ =;:-~:::~ ~.,'.;..-:::~
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in lkis Nnoe. -Secn:<ary- IIlIlAl1S Ib; Iic;crc;tary or HoOIIinr; aDd \1•••••• DcvcIopa..rJI or h;, crt •.••• clesi5""'"
(C) I'Bylnml or CCIIIb aad ExpaIIIaI
If Leno:krIDs n:quiJa! immcdIa: ~
cxpmses ~JlII
In fill!,» dcIaIbc4 ~ Lcndcr.~ RqUi~ &orrowe:r..I~pay 00IiU and
TCaIOIIIblcand c:osIOIIIItylII1DlD!)'lI' Ca:s for eufon:Ing Ibis Hole ID Ihc: extenl 001 probibiRd by ilj7pliQllle
.
! .
I~",. Silch f(6 anll ~~$ Jlulll f>earimerest ftt>m Ih~ daTe hl disllonelnctf It !be s_ rare II!:tlJc princi?"l of Ihil Nllle.

• -".C;CO:;;-~::- .'::7:t;;:"c 2·~~,-..::=-::,,· ·=:.-:':."-~:;:c,~...::.7.~7:'.·::.":::~ : _. . --. -, ::,C:.,'·. ::.. ='" - _,:..~"c.;:-,- .. ,:,;;~.;'t~7~;'--,·,,;:-:;
...;::::-,. ..·,·-:....,-:,,~
..:'-:;::,-..,,-'-'::'-'=:...-' -: _
llomlwer and.M)"-OOmr-pmcm wtlll hIlS cbIipticm nndu WI-NOie 1IIIl"l! Ihe righll of pret=tmenl and t>Dtict,..of . __ .". "'_~" _ _ _ .
disbonor. "Prn<:ntrnc:ut' I1'ICIIM!lie risf!1 '" rcqDi~ lc..e. to <Ie<zaI>d~I of aJnDUIl. due. "Notice nl di""mnr" mran. tie
rlgJt tn reqlire Lez,d.r II>live nnllce 10 OIlIer pmnn. tblllJMlllJtJ due hive not bt:cn pai~.

R. (',lYING OF NOTICES
UnlC5:S~llcIble I•••••n:qtIlresa diffaent -moo. 'Il1lYnod~ tI3IlJ1IIS! be ~ to BarroWI:!' UlIIIr4lhis ND!C will be givz:n
by deU""rllla iI or by maillnll II by n ••.• dDJ: -U hi llrl.....,.,.,... •• lilt ~ Add=- above or at a dilTuan Idd"",~ if
ilnTT'DWCl' hll gi>'ell Lenlk> a 1IOria: or 8om1wer"1 dlff= address.
Any ~ WI III1I£t be:giYalIO La!dcr under Ihll ~ wfll be gi_ by rll1l elm ll1IIii to L..ernIer 81 lbe a:Id.- IiIIIIed In
roragropb 4{B) ('I' II « .tiff=! .tdn::N; if Ilarrown:r I. lIivm a nmI~ (1f IhII di1fI::lm ..Jd,..s.

9. OBUGA1l0NS Of' PERSONS VNDU TBlS NOn

If mon: tbm 011Cpermn IWm Ibili ~. I:Id pct1QD i&fully and pc!JOIllIl1y obJigalcd 10 lcccp all <if the ~ made in
Ibl. No,"" IllClodq (luo pn>milC 10 pay Iho flllllU1lCIIlIl1 OWed. AIry ptniIX1 who Is • &llll'Utor, surely or endol'5el' of driB NOIC 1.1
also obllplllC! 10 do ~ "'inSS. Ani pc:non wOOlakes IMr thcoc obllptlons, includinl !be oblilltiOlll of a panntor, IIlmy
Of' IOIdoncr or tblJ NOIe, iI JtlSOobIlp!ed 10ICtcp all Of!he)l'lllmDes InIICkiD tIrII NOIe. Lender may enfcrce Its ngTIts urdcl-lhls
Nole againsl each pef.aD indlvidlllll, or Iplnst .n &i",~ logmer. Any one penoa sfgnln& this Nrne may be n:qulml 10
pay an nr rile ftmml1l!Jl owed under Ihi, Note.

!lY SIGNJlIIG BELOW. &rrower IIIXepU an<JlgreeJ to the ICIlM and COVClWlIS canlmd in Ibis NOlt.

--------------------------~(~)
.l\ro.,...."
!\ani< IIQII!d (Se31)
r" TI!r:('-!l.I"lER OF
'V T(l ;pv.m
•...m''':. r ~fLi:Il:RSF.
n;ii U",Y (If 19 ($:;al)
 F06016636

IN THE CmCUIT COURT OF THE TWENTIETH

JUDICIAL cmCUIT IN AND FOR LEE COUNTY, FLORIDA
CIVIL ACTION DATE ST/~MF'
& RETUHN
W ASIllNGTON MUTIJAL BANK FIKJA WASHINGTON MUTUAL
BANK, FA SUCCESSOR BY MERGER TO BANK UNITED,

Plaintiff
vs. DIVISION
06 - CA- 004271
Judge: Rosman, Jay B

SPACE FOR RECORDING ONLY F.S.§695.26

LARRY R. BRADSHAW; EILEEN J. BRADSHAW; ANY AND ALL UNKNOWN PARTIES CLAIMING
BY, THROUGH, UNDER, AND AGAINST THE HEREIN NAMED INDIVIDUAL DEFENDANT(S) WHO
ARE NOT KNOWN TO BE DEAD OR ALIVE, WHETHER SAID UNKNOWN PARTIES MAY CLAIM
AN INTEREST AS SPOUSES, HEIRS, DEVISEES, GRANTEES, OR OTHER CLAIMANTS;
RESIDENTIAL FUNDING CORPORATION; TENANT #1, TENANT #2, TENANT #3, and TENANT #4
the names being fictitious to account for parties in possession
...,""'~"·---. co.·, ~,'O;"', .-' .. ". -. -"_>_ .' .'-
..."; __-=.""=:'"' .-....~._,....."...Jlef\!D.dal1t(s),~=c'.C.~·7
" - ---" ----- . ~. ---- -~.. -_. --'~.~- .. -.- -: [r--:..

.•• .~" ••.•. ,_.,, '~4_' ~,,' -., ....••......•• _ .••,. .~,- •• ~_ ._"._,,,- ..

;~~;§;~;~~~~~~~b~~~j~;~~~~[~~i~6~~if;;C
~€:~;
You are notified of the institution of this action by the above-named Plaintiff, against you seeking to foreclose a
mortgage on the following property in LEE County, Florida:

LOTS 5 & 6, BLOCK 134, OF THAT CERTAIN SUBDIVISION KNOWN AS SAN CARLOS PARK, UNIT
12, A~CORDING TO THE l\1.APOR.1'LAT THEREOF AS RECORDED IN THE OFFIC)!,.oE THE-CLERK --, ~ "--'-- ---
.. DF.'THECIRCUITCOiJRi.-6RL)iE:CO~:Fri>.RJD.A~rN~DEED BOOK 326 A.T PAGE 195. __ ' _ ~ __-~~~~ ~-=o ~==:-=,__
Dated thm
PARCEL ID#: 15-46-25-1 -00134.0050.

day of )'q--' ,2006.

FILE D
OCT 02 2006
By:
CHARLl C G:"~::;:", ;".""( ~~~~~--------
CIRCUIT iCOUNTY C-:JJ::TS
BY ["; ,"

WMFIDELITY - FHA - B ,- gesposito

EXHIBIT

j d
 F060J6636

IN THE CmCUIT COURT OF THE TWENTIETH

JUDICIAL cmcurr IN AND FOR LEE COUNTY, FLORIDA
CIVIL ACTION

WASIllNGTON MUTUAL BANK FIKIA WASIDNGTON

MUTUAL BANK, F.A. SUCCESSOR BY MERGER TO BANK
UNITED,

Plaintiff,

CASE NO.
vs. DMSION
LARRY R. BRADSHAW; EILEEN J. BRADSHAW; ANY AND ALL UNKNOWN PARTIES CLAlMING
BY, TIffiOUGH, UNDER, AND AGAINST THE HEREIN NAMED INDIVIDUAL DEFENDANT(S) WHO
ARE NOT KNOWN TO BE DEAD OR ALNE, WHETHER SAID UNKNOWN PARTIES MAY CLAIM
AN INTEREST AS SPOUSES, HEIRS, DEVISEES, GRANTEES, OR OTHER CLAIMANTS;
RESIDENTIAL FUNDING CORPORATION; TENANT #1, TENANT #2, TENANT #3, and TENANT #4
the names being fictitious to account for parties in possession
Defendant(s).
. ,'- -.•..., ..:- - ," --I
;:. .. ..1:. .;.".'--~-- •..r- .••.. --:.:~~~-...•••.
~:--- ....•.-'-:.?~..,:::ii'--. '~:<J-'

MORTGAGE FORECLOSURE COMPLArnT

:i;i;i~~fS~~::~Jt;~~!'~~~~Jt~mNQTOifMUTij~-B~~~~!}:{i'~~~~;~~~)f~T~;~b~~~~?~~p;:c~i~
- l'v1ERGER TO BANK UNITED, sues Defendants, LARRY R, BRADSHAW, EILEEN 1, BRADSHAW; ANY AND ALL

UNKNOWN PARTIES CLAIMING BY, THROUGH, UNDER, AND AGAINST THE HERElNNAMED INDIVmUAL

DEFENDANT(S) WHO ARE NOT KNOWN TO BE DEAD OR ALIVE, WHETHER SAID UNKNOWN PARTIES MAY

CLAIM AN INTEREST AS SPOUSES, HEIRS, DEVISEES, GRANTEES, OR OTHER CLAIMANTS;- RES-IDENTIAL

- ":,~~tJ:NDING--:CORPORA:TION:-!ENANT-# 1, TENANT #2;TENANT'#3 :--::-c::-

,an'd'- TENAN:r-#4i~tl1riiames Di~.ffigcnct'itJ:cnis-to

account for parties in possession, and alleges:

COUNI I-MORTGAGE FORECLOSURE

1. This is an in rem action to foreclose a mortgage on real property located and situated in LEE County, Florida.

2. This firm has complied with the notice requirement of the Fair Debt Collection Practices Act, 15 U .S.C. §

1601, as amended. The Notice(s) previously mailed by the firm is attached hereto and incorporated herein as an Exhibit.

3. On October 16, 1998, there was executed and delivered a Prorrrissory Note ("Mortgage Note") and a

Mortgage ("Mortgage") securing the payment of the Mortgage Note. The Mortgage was recorded on October 19, 1998, in

Official Records Book 3025 at Page 2847 of the Public Records of LEE County, Florida, (All subsequent recording references

are to the public records of LEE County, Florida) and mortgaged the real and personal property ("Property") described therein,

then owned by and in possession of the Mortgagor(s). Copies of the original Mortgage Note and Mortgage are attached hereto

and incorporated herein as an Exhibit.

4. Plaintiff is now the holder of the Mortgage Note and Mortgage.

5. The Property is now owned of record by Defendanus), LARRY R. BRADSHAW, and EILEEN J.

BRADSHAW.

F06016636PL
 6. The Mortgage Note and Mortgage are in default. The required installment payment of May 1, 2006, was

not paid, and no subsequent payments have been made. The Mortgage is contractually due for the May 1, 2006, payment.

The last payment received was applied to the April 1,2006, installment, and no subsequent payments have been applied to

the loan.

7. Plaintiff declares the full amount payable under the Mortgage Note and Mortgage to be now due.

8. Plaintiff must be paid $102,169.81 in principal on the Mortgage Note arid Mortgage, together with interest

from April I, 2006, late charges, and all costs of collection including title search expenses for ascertaining necessary parties

to this action and reasonable attorney's fees.

9. All conditions precedent to the acceleration of the Mortgage Note and foreclosure of the Mortgage have been

performed or have occurred.

10. Plaintiff has retained the law firm of Echevarria, Codilis & Stawiarski, in this action and is obligated to pay it

a reasonable fee for its services in bringing this action as well as all costs of collection.

II. The interests of each Defendant are subject, subordinate, and inferior to the right., title, interest, and lien of

- Plaintiffs Mortgage with the exception of any special assessments that are superior pursuant to Florida Statutes §'159 (2006)

and Florida Statutes §1'70.90 (2006):- ..

.,-:.._-~c~_:12.--_
,"'-R.E~I?~!~~~~ING.CORPOAA:f.ION"may have-or claim all interest i.J.1tbe_~1'~pertj that isC~~~s~~jc~:,,~ ..:...·~'. ,c.1::'_
.~ ,.",-_of this. F orecl;sUI'e action by -,wille of ~,A~sjm-~En,~ Tecorc!ed~in Offtc:i_al
of :~o~~g?:.g~'~<'lS:,sj-~9_"''D ,l3:!c()r~ _B:09~3'28-§~?-tPi3.ge'F;r~~...:'c_'': ':'';;~9,;
-"..';~~"~~
-~~f1-Mi~~~~~;"~~B~~;~i{~ire~'~~:;:6~~; ~~ihn;~:~i~;~i}~~~i~
-~ico;~~B~~f~~-I:~'~:at- Pa~~ 7~5',:'~r~a~' ~~~I~ -~~~~~=

property.

13. TENANT #1, TENANT #2, TENANT #3 and TENANT #4, the names being fictitious to account for

parties in possession may claim some interest in the Property, that is the subject of this foreclosure action by virtue of an

.,,.!:Jl1Te~ord~c!le~~ 2!p~chase option, byy,~...ec ofposs~sj;iQ.ij, QrJnay Qt:h~IWise_cJaiman interestinjhe Property.. The.names of_~_,~ _..,:,~_,_;.:
_---.~_:_.-~.- . - _~- ~_ .. --.-. _::-:._:".:.::;::-=- ::::-;-- I - • ...-:~_~- ;.~ ,:,:::::~.-.:?"
••• --;-_-_~".~-_--------=--=-.~-.:-- .. -::~--- - - ..:- .. -:;:-- ....-~-.. - .-":::"::"~""';':-
theseDefendants are unknownto the Plaintiff.'"----·-·--- -" - - --- -- .. - -- --- ,-,--

WHEREFORE, Plaintiff requests that the Court ascertain the amount due Plaintiff for principal and interest on the

Mortgage Note and Mortgage and for late charges, abstracting, taxes, expenses and costs, including attorney's fees, plus interest

thereon; that if the sums due Plaintiff under the Mortgage Note and Mortgage are not paid immediately, the Court foreclose the

Mortgage and the Clerk of the Court sell the Property securing the indebtedness to satisfy Plaintiff's mortgage lien in accordance

with the provisions of Florida Statutes §4S.031 (2006); that the rights, title and interest of any Defendant, or any party claiming

by, through, under or against any Defendant named herein or hereafter made a Defendant be forever barred and foreclosed; that

the Court appoint a receiver of the Property and of the rents, issues, income and profits thereof, or in the alternative, order

sequestration of rents, issues, income and profits pursuant to Florida Statutes §697.07 (2006); and that the Court retain

jurisdiction of this action to make any and all further orders and judgments as may be necessary and proper, including the

issuance of a writ of possession and the entry of a deficiency decree, when and if such deficiency decree shall appear proper, if

borrower(s) has Dot been discharged in bankruptcy.

F06016636PL
 COUNT n- RE-ESTABLISHMENT OF NOTE
14. This is an action to re-establish a lost Mortgage Note pursuant to Florida Statutes §673.3091 (2006).
15. Plaintiff incorporates by reference the allegations previous pled as fully set forth herein.
16. The Plaintiff and the Defendants named herein are the only persons known to Plaintiff to have an interest
for or against the re-establishment of the Mortgage Note.
17. Plaintiff was in possession of tbe Mortgage Note and entitled to enforce it when loss of possession occurred
or Plaintiff has been assigned the right to enforce the Mortgage Note. (See the attached true copy of the Note.)
18. The terms of the Note are as follows:
a. Original loan amount: $ 112,935.00
b. Amount of monthly principal and interest payment: $770.42
c. Interest rate: 7.250%
d. Loan beginning date: October 16, 1998
19. At some time between October 16, 1998, and the present, the Mortgage Note has either been lost or
destroyed and the Plaintiff is unable to state the ma.nri'e~in which thj~o;~;;;'~d: After due and diligent search, Plaintiff has
.tr:'."'~-=---- __ -;';:'-<ioI:r?,~"'t_'7' -,-_";£;..},..:~~":";'_Q.--<' --:
.....
;-_~ r::c~ •..:"- ~.::--__ ::~---.f.~.-~_. -:!.-;0';'~~:-~~J- -~i ~--.~- ••_,;_ •. _ .,-";.,.~.:"1.o~:::;_7"'"""'l,,.~·-·:_~~;:·"_>:.·-.'~:-';.:'
. -,-been unable to obtain possession of the Mortgage Note. . .<- •• -~,- .~.",-~ •.•• ,--

-- '~~:~~-=~~~~.-~~"~ro~~~~~~~li6itg~gi'N6t~h~~-:;'t~J5€err7seiz:d'~;:~~f~~~;~~y~~~~X~:--~"'~'':;:::-'~'
..:;~~~?~l~"~;::?:,,

WHEREFORE, Plaintiff requests that the Court re-establish the Mortgage Note which this Mortgage secures.

o an
FLORIDA BAR N
Thomas J. Wohl
FLORIDA BAR NO.
WMFIDELITY . FHA - B - gesposito

F06016636PL
 ECHEVARRIA, CODILIS & STA WIARSKI
ATTORNEYS AT LAW
9119 CORPORATE LAKE DRIVE
3RD FLOOR
TAMPA, FLORIDA 33634

Please reply to: Telephone (8 I3) 251-4766

Post Office Box 25018 Telefax (813) 251-1541
Tampa, FL 33622-5018

September 29,2006

LARRY R BRADSHAW
18291 USEPPA ROAD
FORT MYERS, FL 33912

Re: Loan No.: 6164361104

Mortgage Servicer: WASHINGTON MUTUAL BANK, fi'kla WASHINGTON MUTUAL BANK,
FA
Creditor: WASHINGTON MUTUAL BANK FIKJA WASHINGTON MUTUAL BANK, FA
SUCCESSOR BY MERGER TO BANK UNITED
Property Address: 18291 USEPPA ROAD, FORT MYERS, FL 33912
Our File No.: F06016636

_~-: #_. ,,"";'·'~--c.'" _~':r;.--;.~~~"~-_'::- _ .....•.

;('!~....: _;_ .;--=~.:,"~~:U:;4__ _.~ .-~ ~ - 'J'lf~-'~j '!o~.:~;- ........,; -~'::'~

- The lawfirrn 'of Echevarria, Codilis &Stawiarsk has been retained by WASHINGTON MUTUAL BANi.<0F1KiA·~:':-.: ,._~_,::c~~_:" ''.' ~~
::2~~~:'c~~'.Wi:\..s».ING].~}lJ~[tJ~B.AL BAl-iK;EA:-:-SlUCCESSORliY=MERGER ~()=~~l~~L'Tm~~p':t~f-eP~~eti{~{t§.~~~~~E...:~~.;~::.n
~ ..-' r: --=~~'-'o
by'LARRY R. BRADSHAW on OctoberI 6;'T9"9"8:'':'::-Pi.iTsuant:"to=th'f~-:.
'-~'.':-"=' reliifrng to·lne·proInissQ;.:y::NO~'andJviortgagee£{ecuted, ~'-~'"
- .--, --terms of the 'promi;s~rY Note and Mortgage, our client has accelerated all sums due and owing, which means that the entire
principal balance and all other sums recoverable under the terms of the promissory Note and Mortgage are now due and
owing. As oftbe date ofthis letter, there is currently due and owing to our client $106,023.28, which includes the unpaid
principal balance, accrued interest through today, late charges, attorney's fees and costs, and other default-related costs
recoverableunder. the terms of the.Note and Mortgage. Additional interest will accrue after the date of this letter-

AlsQ,:Q..Ufc~1i~I;\tm<!)':m.~l(;e:Jidy~cesan(:t·incur
fees and expenses after the date of this letter which'i:r.re;'j:~o:fu'aure'.?:~,;::,~ _"':~=-~c_c,,,,~
under the terms-of-the-promissory Note and Mortgage. Therefore, if you wish to receive figures fo'reinstate-(15rmg'yourToan'··-'··----- _..- "-",-
current) orpay off your loan through a specific date, please call our office at (813)251-4766.

Unless you notify our office within thirty (30) days after your receipt of this letter that the validity of this debt, or
any portion thereof, is disputed, we will assume that the debt is valid. If you do notify us in writing within thirty (30) days
after receipt of this letter that the debt, or any portion thereof, is disputed, we will obtain verification of the debt or a copy of
the judgment against you, if any, and mail it to you. Also, upon your written request within thirty (30) days after your
receipt ofthis letter, we will provide you with the name and address of the original creditor, if different from the current
creditor. Echevarria, Codilis & Stawiarski is a debt collector. This firm is attempting to collect a debt, and any information
obtained will be used for that purpose.

Today, we filed a Complaint on the Mortgage Note and the Mortgage to foreclose on real estate. The advice in this
letter pertains to your dealings with me as a debt collector. It does not effect your dealings with the Court, and in particular,
it does not change the time at which you must answer the Complaint. The Summons is a command from the Court, not from
me, and you must follow its instructions even if you dispute the validity of amount of the debt. The advice in this letter also
does not affect my relations with the Court. As a lawyer, I may file papers in the suit according to the Court's rules and the
judge's instructions.

Finally, if you previously received a discharge in a bankruptcy involving this loan and did not sign a reaffumation
agreement, then this letter is not an attempt to collect a debt from you personally. The firm is seeking solely to foreclose the
creditor's lien on real estate and we will not be seeking a personal money judgment against you.
 All written requests should be addressed to Hollan M. Fintel, Echevarria, Codilis & Stawiarski, P.O. Box 250 ]8,
Tampa, Florida. 33622-5018 ..

If you have questions regarding this matter, please do not hesitate to contact us.

Echevarria, Codilis & Stawiarski

Attorneys for WASHINGTON MUTUAL BANK, £'kIa
WASHINGTON MUTUAL BANK, FA

HOLLAN M FINTEL

NOTICE

This law firm is a debt collector. This firm is attempting to collect a debt, and any information obtained may be
used for that purpose.
 ECHEV ARRIA, CODILIS & STA WlARSKI
ATTORNEYS AT LAW
9119 CORPORATE LAKE DRIVE
3RD FLOOR
TAMPA, FLORIDA 33634

Please reply to: Telephone (813) 251-4766

Post Office Box 25018 Telefax (813) 251-1541
Tampa, FL 33622-5018

September 29, 2006

EILEEN J. BRADSHAW
18291 USEPP A ROAD
FORT MYERS, FL 33912

Re: Loan No.: 6164361104

Mortgage Servicer: WASHINGTON MUTUAL BANK, fJkIa WASHINGTON MUTUAL BANK,
FA
Creditor: WASHINGTON MUTUAL BANK FIKJA WASHINGTON MUTUAL BANK, FA
SUCCESSOR BY MERGER TO BANK UNITED
Property Address: 18291 USEPPA ROAD, FORT MYERS, FL 33912
Our File No.: F06016636

Dear.Borrower: ' _
~,~~-,- ...;;: ".

..... .. .. "Thelawfirm ofEchevarria, Codilis & Stawiarsk has been retained by WASHlNGTON .MUTUAh-BANKj~7KJAi_:.c:_~.. ~'.. =.::' ... ~ •. ~
. ,:~._:_~~:;.;~~_.-~~~<-WAS~L6:1'lYi'I\MlJ'fl'J~B!>N1("Rk~S'actESSOR'&Y-~RGER;f,C;}1~ANKl1.1}ll~Ef5'ta":r€p11~~'ll0ifg~}frrf~~(q<:":S~~",f?":;~~.;.~~~_~
'.:c-':feh1tmgjb-!1i~:pii$f~sol:YN6fe-and Mortgage executed by LARRY R. BRADSRI\W en Octol3er 'l6:L9'tf!\-:~":t>irrsmmttothe-·~--.: '-.- 'c- .
terms of the promissory Note and Mortgage, our client has accelerated all sums due and owing, which means that the entire
principal balance and all other sums recoverable under the terms of the promissory Note and Mortgage are now due and
owing. As of the date of this letter, there is currently due and owing to our client $106,023.28, which includes the unpaid
principal balance, accrued interest through today, Iate charges, attorney's fees and costs, and other default-related costs - -
recoverable under the terms of the Note and Mortgage. Additional interest will accrue after the date of this letter.

..-"'=-;;··AIso;=:ouc client-'.maymakeadvanees arid incurfees.and expenses after the date of this letter which care:·re'CoveFal}le::'~c;,:o::"';.".~
:-:;~';;,;O·-.=25-ci:':'_C
under the termsnf'the prorrtissoryNote and Mortgage. Therefore, if you wish to receive figures toreinstate (bimg 'Y01rr-Ioan" . ~C_ '. -.

current) or pay off your loan through a specific date, please call our office at (813)251-4766.

Unless you notify our office within thirty (30) days after your receipt of this letter that the validity of this debt, or
any portion thereof, is disputed, we will assume that the debt is valid. If you do notify us in writing within thirty (30) days
after receipt of this letter that the debt, or any portion thereof, is disputed, we will obtain verification of the debt or a copy of
the judgment against you, if any, and mail it to you. Also, upon your written request within thirty (30) days after your
receipt of this letter, we will provide you with the name and address of the original creditor, if different from the current
creditor. Echevarria, Codilis & Stawiarski is a debt collector. This firm is attempting to collect a debt, and any information
obtained will be used for that purpose.

Today, we filed a Complaint on the Mortgage Note and the Mortgage to foreclose on real estate. The advice in this
letter pertains to your dealings with me as a debt collector. It does not effect your dealings with the Court, and in particular,
it does not change the time at which you must answer the Complaint. The Summons is a command from the Court, not from
me, and you must follow its instructions even if you dispute the validity of amount of the debt. The advice in this letter also
does not affect my relations with the Court. As a lawyer, I may file papers in the suit according to the Court's rules and the
judge's instructions.

Finally, if you previously received a discharge in a bankruptcy involving this loan and did not sign a reaffirmation
agreement, then this letter is not an attempt to collect a debt from you personally. The firm is seeking solely to foreclose the
creditor's lien on real estate and we will not be seeking a personal money judgment against you.
 All written requests should be addressed to Hollan M. Fintel, Echevarria, Codilis & Stawiarski, P.O. Box 25018,
Tampa, Florida 33622-5018.

If you have questions regarding this matter, please do not hesitate to contact us.

Echevarria, Codilis & Stawiarski

Attorneys for WASHINGTON MUTUAL BANK, £'kJa
WASHINGTON MUTUAL BANK, FA

HOLLAN M FINTEL

NOTICE

This law firm is a debt collector. This firm is attempting to collect a debt, and any information obtained may be
used for that purpose. ,'--- ","'""",,0>.,

_ •..., _ .. , •....0.:",.,- •• " ..

_-c~>::;:-•.•c- rzs.: ':::"~~:~.<'''~~_.A~
.~,~

- .. _.. .- .. -----

.. ~.".-.. _.,-- .•. - -.- --.----.--

.~ -- -- --.- -.~.:..:;-:-,:=:-.=,.;.;',;;:;:;-:,.-:::;..:..:--::.~-~:.-.;;:.:~~~;¥-:...
 r raOl1l fir! n ra; II IBB§I am§I III IUlie ~ll!i I fDal

.» /
INSTR # 4771821
WBEN RECDRDED
MAIL 1D: /

World Wide Credit Corporation

9089 Clairemont Mesa Blvd. #200
San Diego, CA 92123
I OR BK 03198 PG 0725
RECOR!J£D 12/10/99 12:01 PM
~ru£
LEE!IDm'
SREEN CLERK (1" COURT

RECORDINS FEE 28.50

DOC TAX PD(F.S.201.OBl 122.50
INT. TAX PD(F.S.I99l 70.00
DEPUTY QERK S Ro~to.
cl~5()~
1;j;J. . g; btrc-
Ot)::z;, r:
'l~.
This instrument was prepared by: R. FlDRES-WORlD WIDE CREDIT CDRP DBA IDRIJ) WIDE FUNDIN3 CORP.

SD-497995 ., MORTGAGE

. . THIS MORTGAGE is made (his 19th ._ ~y of _ . November f • 1999. ....• between me i'0i:u::!gagor• _"O!' :~ •

--" r..aTIy .R. BradSfuw and'E:ileen J. Bradshaw, husband and wife

, whose address is l8291 Useppa Road, Fort Myers, FL 33912

(herein "Borrower"), and the Mortgagee, World Wide Credit Corp. dba World Wide Funding
Corp., a caIlfornia corporation . a corporation organized and
..•existing under the laws of CALIFORNIA , whoseaddress is
9089 Clairerront Mesa Blvd. #200, San Diego, CA 92123 . (herein "Lender").
WHEREAS, Bonower is indebted to Lender in the principal sum of U. S. $ 35 000 ..00· ~.-- - -'- -- ~~u:·wliicb-- .~~---~ ... _
-r- •• iJJ.~b~e&sAs mdep,c~tby BOITQwex:!:snote dated." -- November 19 -l999 ~d extin.SIOIiS-iIDd-ren-ew,rllnnereorc--':'~-",--.:: _._=c·C.
(herein "Note"), providing for monthly installments of principal and interest, ~th the balance of me inaeotedDess; if n"otsooner'paid: ------ .. _- -
due and payable on Noveniber 24, 2024
TO SECURE to Lender the repayment of the indebtedness evidenced by the Note, with interest thereon; the payment of all other
sums, with interest thereon, advanced in accordance herewith to protect me security of this Mortgage; and the performance of the
covenants and agreements of Borrower herein contained, Borrower does hereby mortgage, grant and convey to Lender the following
described property located in the COUDtyof Lee , State of Florida:

Legal Description Attached Hereto and Made a Part Hereof as Exhibit A

which has me address of 1829l Useppa Road, Fort Myers, FL 33912

['Property Address']

I FLORIDA-Second Mortgag&-1/80-FNMAlFHLMC Uniform Instrument I Form 3810

Amended 5/93
L•• ",Doc (TM) by Delphi Information Sc"",,,,,. Corp. DE21P-1.0P97 Page' of 6
 --- -~.

oa BK 03198 PG 0726

TOGETIffiR with all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances
and rents all of which shall be deemed to be and remain a pan of the property covered by this Mortgage; and all of the foregoing,
together with said property (or the leasehold estate if this Mortgage is on a leasehold) are hereinafter referred to as the "Property".
Borrower covenants that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and
convey the Property, and that the Property is unincumbered, except for encumbrances of record. Borrower covenants that Borrower
warrants and will defend generally the title to the Property against all claims and demands, subject to encumbrances of record.

UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:

1. Payment of Principal and Interest. Borrower shall promptly pay when due the principal and interest indebtedness
evidenced by the Note and late charges as provided in the Note.
2. Funds for Taxes and Insurance. Subject to applicable law or a written waiver by Lender, Borrower shall pay to Lender
on the day monthly paymbus of principal and interest are payable under the Note, until the Note is paid in full, a sum (herein "Funds ")
equal to one-twelfth of the yearly taxes and assessments (including condominium and planned unit dev~l~PlUc:~~·.asse~sjl1.e~tK;jfiinYI~_.:
which may attain priority over this Mortgage, and ground rents on the Property, if any r plus one-twelfth of 'yearly premium __ ----- - ----
_ installments for hazard.insurance, ..plus one-twelfth of-yearly premium lDstallment.y-foJ- mortgage insurance;!! any~"all' as-reasOifaDly"~-r~.~~-T. .-.~~~_:~:::~~:
.estimated initially and from-time to time by Lender on' the hasis-ofassessmentsandbills and reasoDaole'-esffiriates'fuereOf:l3ortower' ~-,.,
...sha.ll:llot be obligated ..to. ~a_ke~uch paymen~QUJl!l.ns :~Le.f!der .to:.tp.j:~exte!llthat-Borrower makes "s<llcfi'paJ.iii~{&ID";nr~!6.I~t~Lor:::~3:c-='.:"'. :'.~. ~.:':~'·'r::::"__~·:'c=~
a -priormortiageQrd~a of trust if such holder iscan institUtional L~nder.'· .. ",,, ~.;<;i,",,,>,,~,,-,,-,,,, .-~.,' '-'~ -~., •....• -,' ~,~k, ,"-"
If Borrower pays Funds to Lender, the Funds shall be held in an institution the deposits or accounts of which are insured or
guaranteed by a Federal or state agency (including Lender if Lender is such an institution). Lender shall apply the Funds to pay said
taxes, assessments, insurance premiums and gtound rents. Lender may not charge for so balding and applying the Funds, analyzing
said account or verifying and compiling said assessments and bills, unless Lender pays Borrower interest on the Funds and applicable _
law permits Lender to make such a charge. Borrower and Lender may agree in writing at the time of ~~cutio.? ~f_~s MQI}g~!Le,WiH, ,
-interest on the Funds shall be paid 10 Borrower, and-unless such agreement is' made or applicable law requires such interest to be paid, . _
Gender shall Dot be required to pay Borrower any intere~t '()r~minglon'~e l'l:Ji?ds:':'~1-l=ndershall givetO' [oIio~~~-::.~!h~lii:C:Ji¥ge ,~
. an -annual.accountingoof the- Funds showlngcredns"'ar1l1;:·d'ebits·tO't'Filll"ds~ari(nlie- PurpO~~ 10i Which '~acli~deli'it"!OtkFUndi~waS "C'
~.:=.
~ : '
'.=7~-;:-_~"~

.made. The Funds are pledged as additional security 'for the sums sec-ure(n;y~ this" Mortgage.
If the amount of the Funds held by Lender, together with the future monthly installments of Funds payable prior to the due
dates of taxes, assessments, insurance premiums and ground rents, shall exceed the amount required to pay said taxes, assessments,
insurance premiums and ground rents as they fall due, such excess shall be, at Borrower's option, either promptly repaid to Borrower
or credited to Borrower on monthly installments of Funds. If the amount of the Funds held by Lender shall not be sufficient to pay
taxes, assessments, insurance premiums and ground rents as they fall due, Borrower shall pay to Lender any amount necessary to make
up the deficiency in one or more payments as Lender may require.
Upon payment in full of all sums secured by this Mortgage, Lender shall promptly refund to Borrower any Funds held by
Lender. If under paragraph 17 hereof the Property is sold or the Property is otherwise acquired by Lender, Lender shall apply, no
later than immediately prior to the sale of the Property or its acquisition by Lender, any Funds held by Lender at the time of application
as a credit against the sums secured by this Mortgage.
3. Application of Payments. Unless applicable law provides otherwise. all payments received by Lender under the Note
and paragraphs I and 2 hereof shall be applied by Lender fuot in payment of amounts payable to Lender by Borrower under paragraph
2 hereof, then to interest payable on the Note, and then to the principal of the Note.
4. Prior Mortgages and Deeds of Trust; Charges; Liens, Borrower shall perforin all of Borrower's obligations under any
mortgage, deed of trust or other security agreement with a lien which has priority over this Mortgage, including Borrower's covenants
to make payments when due. Borrower shall payor cause to be paid all taxes, assessments and other charges, fines and impositions
attributable to the Property which may attain a priority over this Mortgage, and leasehold payments or ground rents, if any.

Les etOoc (TM) by Delphi Informotion 5oience! Corp. 0E2I~2.0~97

;# ~m3810
Page 2 of 6
 OR BK 03198 PG 07T!

5. Hazard Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured
against loss by fire, hazards included within the term "extended coverage", and such other hazards as Lender may require and in such
amounts and for such periods as Lender may require.
The insurance carrier providing the insurance shall be chosen by Borrower subject to approval by Lender; provided, that such
approval shall not be unreasonably withheld. AU insurance policies and renewals thereof shall be in a form acceptable to Lender and
sball include a standard mortgage clause in favor of and in a form acceptable to Lender. Lender shall have the right to hold the policies
and renewals thereof, subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has priority
over this Mortgage.
In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss
if not made promptly by Borrower.
If the Property is abandoned by Borrower, or if Borrower fails to respond to Lender within 30 days from the date notice is
mailed by Lender to Borrower that the insurance carrier offers to settle a claim for insurance benefits, Lenderis authorized to collect
and apply the insurance proceeds at Lender's option either-to restoration or repair of the Property or to the sums secured by this -:-
Mortgage. _. . .__ _ - - - - . - .. _.__ 0" __-., -_,-- -~.-- "-- - ="'--.=2.-.-_. _-=- .-'
- -. -.-;.-6-. Preservationand Mailitenance of Propertyj {3easenolds;'CondominiuD1S;J>lanned Unlt.Developments.. Borrowei--
.. :"~,: shall ~e'e~\~~ .pr6p~~.~c~.?-2~/~.B~~jD:~.§,~~-R9i..~p~~y;a~~,~~~pf'rIn!Umpairrnen.Lor~.de.ter~o~ati_oIliit.ibll.:l?rQPer1y~w~all:~-":'~"'''~:~2-:::=::~:"~=
'-"""-;' ..,-", comJlIy withJ1Y.~.!p~~bjlf.ijf)~~y lel\se if this Mortgage IS on a leasehold. -If~Mortgage IS OD-a Ulllt'rg-;r-COUQonumu'n1':'Ol'-a planned .." - -- . _
,. __ - .:- .--~~ dev~jD~enf, BgiroWeT s~ p-er!2ftfi al[llf !tQ.rtcj;~i:~.<Wlig1.Ui'?ns,~d.e! the declardtioll:or"c;ovt;~t:j:~[~rj:i!lf~<t-~iflIe~~':":3~~~'~-::--:. <:::?-;::~:
_-'7_'-'''".'''' ';' -=;~c":~~-'"ooxidoiiirifjWn~:ptanned-=nnlt"deve16pme:iil; tb.~·liy;tav7S';:anFreg'.llatlom::(iUIie'coudoIl1iniuro."o:!>p~e:d,~1ii:iito'dev.eIQpment, - and-"'- . -,." ••.- ....,
~-~~~"'::·:·~'··~~·~·~~~;;~mtitUe~tlfoCtmentS.
. - --=--_ ...- ---~----~-
.. _. _.
7. Protection or Lender's Security. If Borrower fails to perform the covenants and agreements contained in this Mortgage,
or if any action or proceeding is commenced which materially affects Lender's interest in the Property, 'then Lender, at Lender's
option, upon notice to Borrower, may make such appearances, disburse such sums, including reasonable attorneys' fees, and take such
action as is necessary to protect Lender's interest. If Lender-required mortgage insurance as a condition of making the' loan secured _ ..
by this Mortgage, Borrower shall pay the premiums required to maintain such insurance in effect until such time as the iequrrerrient------'
- fQr such insurance teJI.Irinates,in accordance with-Borrower's-and Lender's written agreement or applicable law.·~_,_~:~·~-== - '-.::'<~
:::~~--.:..~-=-:.::.,
~' __'""7..".:~~=;;"~.:~--,.-.",':"~~2!ffi.ts:~~e4 bY-Len~ P\JIS11llDtlPtIIis_Paragnipn~7.~fu in~est thereon;-at-the'No~~!at~:~~§~9~jd.!!l®~WiI:- :~~~-~ ... .: .. ..
indebtedness-of-Borrewes-secured by this Mortgage. Unless Borrower and Lender agree to other terms of payment, such amounts
shall be payable upon notice from Lender to Borrower requesting payment thereof. Nothing contained in this paragraph 7 shall require
Lender to incur any expense or take any action hereunder. .
8. Inspection. Lender may make or cause to be made reasonable entries upon and inspections of the Property, provided
that Lender shall give Borrower notice prior to any such inspection specifying reasonable cause therefor related to Lender's interest
in the Property.
9. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any
condemnation or other taking of the Property, or part thereof, or for conveyance in lieu of condemnation, are hereby assigned and
shall be paid to Lender, subject to the terms of any mortgage, deed of trust or other security agreement with a lien which bas priority
over this Mortgage.
10. Borrower Not Released; Forbearance by Lender Not a Waiver. Extension of the time for payment or modification
of amortization of the sums secured by this Mortgage granted by Lender to any successor in interest of Borrower shall nOI operate to
release, in any manner, the liability of the original Borrower and Borrower's successors in interest. Lender shall not be required to
commence proceedings against such successor or refuse to extend time for payment or otherwise modify amortization of the sums
secured by this Mortgage by reason of any demand made by the original Borrower and Borrower' 5 successors in interest. Any
forbearance by Lender in exercising any right or remedy hereunder, or otherwise afforded by applicable law, shall not be a waiver
of or preclude the exercise of any such rigbt or remedy.

£tB
l",orDoc- (TM) by D&lphi InfOtmlJIion Sc;;onca.s COf/>. DEZl9-J.09P7 ~ Form 3810
Page 3 of 6
 OR BK 03198 PG 0728

11. Successors and Assigns Bound; Joint and Several Liability; Co-signers. The covenants and agreements herein
contained shall bind, and the rights hereunder shall inure to, the respective successors and assigns of Lender and Borrower, subject
to the provisions of paragraph 16 hereof. AD covenants and agreements of Borrower shall be joint and several. Any Borrower who
co-signs this Mortgage, but does not eXCOItethe Note, (a) is co-signing this Mortgage only to grant and convey that Borrower's interest
in the Property to Trustee under the terms of this Mortgage, (b) is not personally liable on the Note or under this Mongage, and (c)
agrees that Lender and any other Borrower hereunder may agree to extend, modify, forbear, or make any other accommodations with
regard In the terms of this Mortgage or the Note, without that Borrower's consent and without releasing that Borrower or modifying
this Mortgage as to that Borrower's interest in the Property.
U. Notice. Except for any notice required under applicable law In be given in another manner, (a) any notice to Borrower
provided for in this Mortgage shall be given by delivering it or by mailing such notice bycertified mail addressed to Borrower at the
Property Address or at such other address as Borrower may designate by notice to Lender as provided herein, and (b) any notice to
Lender shall be given by certified mail to Lender's address stated herein or to such other address as Lender may designate by notice
to Borrower as provided herein. Any notice provided for in this Mortgage shall be deemed to have been given to Borrower or Lender

'~,.,'~ . "~"::,o>~•..::~e~;~~:;;.~::=~~~:~:::~The -taws'

state aijiIJo~~i appniiI~-tir'fuisMongage;b~ir~:ihela~s~~tilie~:I~~i~.i1on':=~~~~~~'~ ~'"-~
- 'i::;:-~~'p!.~h
t!ie-Pl~nxcis 1~, #'TIi~J2{e.&P-.i!!g·~..ce s}l;g~not~~iLthk]:P2!i.~biJity ,-oJ -FederallawciOihis Mortgage.~1n-·tlfEe:Ve~t.:-'~~::'::~~::~"':~~_~_
~
- '-'" ". - .. 0 'C"or--t1Iiu any pro\risiPJfbr clause ~of this Morl8...age,O~e-.NO~CJ1illliGt£ -with~I?Jj.c?ble .law, such conflict slilill nof affect 61lier provisions , .~' _ " ~ _ .'

~:~~L-~*:~~~i:~;~~£~1~~~~~\:~~~~~~~~~_~~~~~-~~~
. . . -.- the exteDt not prohibited by applicable law or limited-nerem:- ..·· .-
14. Borrower's Copy. Borrower shall be furnished a conformed copy of the Note and of this Mortgage at the time of
execution or after recordation hereof.
15. Rehabilitation Loan Agreement. Borrower shall fulfill all of Borrower's Obligations under any home Eehabj).it;¢on.,
improvement,' repair or- other loan -agreement which Borrower enters into willi Lender. Lender, at Lende( s_:Op.QQ!l:Ll!lay require
, Borrower to.execute.and deliver to-Lender, in a form acceptable to Lender.tan assignment of any rlglits-;-claims or defenses wmc/;l__ =~.,.__.~,~,,,_._
. _ . . '_ . _...Borrower may.have against.parties.whosupply·-labor,-·Qlliterials ern
or'servftesm: c6fine~tion ',yitli.@pri5y e.nts ~(f~Jlie;~.Q~t;.rty ,.~~:~~-~.=-.~,~-.;;o:
~ ..·c·::-c~- :: 'C:~.i_;.~':;;':O.16:.~1'r~f~.(>rcthePFOperty~ONI£Ben!!~'£emt..o\D-B(ittuwer: "IralI or any Part ot~iY.iopertY .0{any1Iterestm~ ._._. --- ... ~.•, ..
_. _ .: .~..'. - it -is sold or transferred- (or if a beneficial interest -iiiBorrower 'ISSOldortransferred and Borrower is not a natural person) without
Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Mortgage.
However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Mortgage.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not
less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Mortgage.
If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Mortgage
without further notice or demand on Borrower.

NON-UNIFORM COVENANTS. Borrower and Lender- further covenant and agree as follows:
17. Acceleration; Remedies. Except as provided in paragraph 16 hereof, upon Borrower's breach of any covenant
or agreement of Borrower in this Mortgage, including the covenants to pay when due any sums secured by this Mortgage,
Lender- prior to acceleration shall give notice to Borrower as provided in paragraph 12 hereof specifying: (1) the breach; (2)
the action required to cure such breach; (3) a date, not less than 10 days from the date the notice is mailed to Borrower, by
which such breach must be cured; and (4) that failure to cure such breach on or before the date specified in the notice may
result in acceleration of the sums secured by this Mortgage, foreclosure by judicial proceeding, and sale of the Property. The
notice shall further- inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure
proceeding the nonexistence of a default or any other defense of Borrower to acceleration and foreclosure. If the breach is Dot
cured on or before the date specified in the notice, Lender, at Lender's option, may declare all of the sums secured by this
Mortgage to be immediately due and payable without further- demand and may foreclose this Mortgage by judicial proceeding.
Lender shall be entitled to collect all expenses of foreclosure, including, but not limited to, reasonable attorneys' fees, court
costs, and costs of documentary evidence, abstracts and title reports.

~b
L.3..o.x (fM) by Delphi Intomr.tion Scien"". Corp. DE211M.OP97 Form 3810
Page 4 of 6
 ml me:03198 PG 0729

18. Borrower's Right to Reinstate. Notwithstanding Lender's acceleration of the sums secured by this Mortgage due to
Borrower's breach, Borrower shall have the right to have any proceedings begun by Lender to enforce this Mortgage discontinued
at any time prior to entry of a judgment enforcing this Mortgage if: (a) Borrower pays Lender all sums which would be then due under
this Mortgage and the Note had no acceleration occurred; (b) Borrower cures all breacbes of any other covenants or agreements of
Borrower contained in this Mortgage; (c) Borrower pays all reasonable expenses incurred by Lender in enforcing the covenants and
agreements of Borrower contained in this Mortgage, and in enforcing Lender's remedies as provided in paragraph 17 hereof,
including, but not limited to, reasonable attorneys' fees and court costs; and (d) Borrower takes such action as Lender may reasonably
require to assure that the lien of this Mortgage, Lender's interest in the Property and Borrower's Obligation to pay the sums secured
by this Mortgage shall continue unimpaired. Upon such payment and cure by Borrower, this Mortgage and the obligations secured
hereby shall remain in full force and effect as if no acceleration had occurred.
19. Assignment of Rents; Appointment of Receiver, As additional security hereunder, Borrower hereby assigns to Lender
the rents of the Property, provided that Borrower shall, prior to acceleration under paragraph 17 hereof or abandonment of the
Property, have the right to collect and retain such rents as they become due and payable.
. Under acceleration under paragraph 17 hereof or abandonment of the Property, Lender sh.:!.ll.~enj:iJ,1Cld.tQ~haveao,R~iye~ __ ~_: .::,.-:==~.~~~":
)O'collecf tlie'rents'af the Property-including th'Ose__~_n~_ -
,-~_.'c..= apjlOiIlted-;b.ya court-to enter-upon; take possession:-Ofand}fiaDag"G'tlie':P¥opertyiU!1r =-._~..,
·:._;:::~~~,~~:=.~~:~f4ifi'~~~~~~)~~~::~~;':;~~;;~;~~~~;~~
- .. __s~bY;!l!lU1:-oJlA.agc..~e- ~.~bj(e{.sbalL:bfl'4!abJe:;t9~C.!llJ!!!,:OnlY;f6~':"tpOSJi
ren\S-:;-ac_tu.ally::r;x~u;~(J .,""'"- -"''''-:~'~
r ~-.-.;.~ _ ::..~,... ••.•• ,_ ;~~~~~

.;'E;~~{~~~S~l'!1~";~"UP-Q~P~Qt.Df:.au:s~~ec¥~~:;@~i~~i'.:rg~ge':"Ee;"laef"SlWl'1e1~s~~~~~Jg~-:witiiOut~chaIge~~-·-:-- ...; -_".:::-:'-:.'--'

_-~~ ~.. ::::-..:-::-.:...-:::...Bono.wer.
-Borrower shall pay- all costs of recordation, if any.
21. Attorneys' F~. As used in this Mortgage and in the Note, "attorneys' fees" shall include attorneys' fees, if any, which
may be awarded by an appellate conn. -'
IiIXHISIT A

----.--.--=-~
-
" ..,..~ - ~ ,':;--

Perman.n~ Parool
Numb~rl 15.46-~5-l0.0a134-0CSO
La:rry R. and Eileen J. Bncieha'ol
Brlldllhaw (HuliJbllnd ilmc l\lifel
1649l Ueepp~ ROBd, Fare Myer. ~L 33913
Loan R-ferenoe ~umber ! 720875
Firat American Order No: t7112li

REQUEST FOR NOTICE OF DEFAULT

____________ AND FORECWSURE UNDER SUPERlOR
MORTGAGESORDEEDSOFTRUST ----------------------

Borrower and Lender request the holder of any mortgage, deed of trust or other encumbrance with a lien which has priority
over this Mortgage to give Notice to Lender, at Lender's address set forth on page one of this Mortgage, of any default under the
superior encumbrance and of any sale or other foreclosure action.

La.etOoc (I'M) by Delphi InrormBUOfI Scir",c&s Corp. DE21N.0997 ~ ~~rm3B10

Page 5 of 6
 SO-497995
OR OK 03198 PG 0730

IN WITNESS WHEREOF, Borrower has executed this Mortgage.

NOTICE TO BORROWER
Do not sign this Mortgage if it contains blank spaces. All spaces should be completed before you sign.

Signed, sealed and delivered in the presence of:

''"~ f,P-c:ilJ~ 6.?~~~

Larry. . Brads~
18291 Useppa Road, Fort Myers, FL 33912
(&al)
-Borrower

(Seal)
-Borrower
------------------~----------=(~)
-Borrower

. m·~·(SeaJ)_ -
_".:.:-..:~:'- _---=~-..:'-~.:~~-: ~~.'~;"":_'~.;f....~;"':;;;_':'.•.,.....
.....,.,:..~~"'~;~~-.;;;...,.-""~··BoIY'OWe).:-:·
.

(Seal) _________________ (Seal)

-Borrower -Borrower

[Sign Original Only]

STATE OF FLORIDA, J.....EE County S5:

The foregoing instrument was acknowledged before me this / 9 TfI IYt Y. 0;::: /l) 0 V E (718E It I 9 9 r; by
~!}R.fCi IQ. t?JAflD3l/lIk.J at EEII--EE.'{) .r. Bf(i}DSN/I{U
who is personally known to me or who has produced F J.... -DIGI U £:IJ. 5; ,.(/tU IV ~~entification.

LEE K FlOWERs
~=g)~ My Com", Up. 9{2J2oQ]
No. CC6Mi36
Form 3810
l •• "'VOC (TM) by Dsiphi Info-mation ScienoB' C
---";';"':';:~=.!:.=.:!:.J
.Ol¥lf"--oly ~ Yother Ill.
Page 6 of 6
 III

Florida
NOTE 098-0063663-703

THE STATE DOCUMENTARY TAX DUE ON THIS NOTE HAS BEEN PAID AND THE PROPER STAMPS HAVE
BEEN AFFIXED TO THE MORTGAGE SECURING THIS INDEBTEDNESS •

•~ ~~~.~~~:--..:::~;::;.,~~-- z: -~~~~Cctaber'rl.6t- _:.1::998,

_ _ __._ ~'::~_.~L._.,'::_
-:.:-::--d..~>,,:..,';;'jiWE;.:~,,~~~~~,~~;t.:~'2:-~~"J:B2~91~%.usepp4a'-1[6ifd·\,",,~.~{~-~;1:;~.t':>;

"Borrower" means each person ~igning al tho end of this Note, and the person's successors and aas igns. "Lender" means
Irwin Mortg?ge corporation

and its ~1I=""n;and assigns.

2. BORRPWER'S PROMISE TO PAY; INTEREST

In return for a 108J1 received from Lender. Borrower pro.!!'iI!CS10 pay the principal S,UIll of one Hundred Tw.el ye
Tf,ousand-Jiiine Hundred Thi!:ty Fiv", and 00/190-._., "
I' ',_ "',""';;",,",.;"", .. ,, - " " ".,,,,,,o.'';'',,,,_~;C~ " c~~ ,- '-',", ',e:,,,,,~:;,:~.,,~
'", ,
-OO1laW(U:S.- S 112,935.00 J, plus inlerest;to order tilTilider.'ine
Interesiwill bC-Ciulrged on unpaid prinCipa~'~
from the dare (Of disbursement of the loan proceeds by Lender, at the rate of Seven and One -Quarter
percent ( 7.250 ')1.)per year until the full amount of principal has been paid.

~. l'ROMISE TO PAY SECURED

Borrower's promise to pay is secured by a mortgage, deed of trust or similar security instrument thai is dated the same date
as this Nole and called the "Security Instrument." The Security Instrument protects the Lender from 10""" which might result if
Borrower defaults under Ibis Note,

4. MANJIIEROf FAYMENT
(1\) Time
Borrower shall make a payment of principal lIJId interest to Lender on the first day of each month beginning on
December 1 , 19'98 . Any principal and interest remaining on the first day of November
2028 , will he due on that dale. which is called the "Maturity Date."
(m P10ce
Payment shall he made al 9265 Counselor's Row, Indianapolis, IN 46240
or HI such place as Lender may designate
in writing
hy notice 10 Borrower.
(C) Amoun!
Each monthly payment of principal and interest will be in the amount of U.S. $ 770.42 . This
amount will be part of a larger monthly payment required by tbe Security Instrument, that shall be applied 10 principal. interest
and other items in tbe order described in the Security Instrument,
(D) Anonge 10 this Note for Pl'ymenl adjustments
If an allonge providing for payment adjustments is executed by Borrower together with this Note, the covenants of
the allonge shall be incorporated intn and ~hall amend and supplement the covenan •• of this Note a. if the allonge were a pan of
.his Nore. [Check applicable box]

OGrRcI""led Payment Allonge DGrowing Eqlli.y Allonge DOther [specify]

FHA FInrirIA fued Rate No te - 10m

~ -1R{FLI ••• en.ez
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4879301
 5. HORROWF.R'S RIGIn TO PREPAY
Borrower hag the right to pay the debt evidenced by this Note, in whole or in pan, without charge or penalty, on the fin!
day of any month. Lender sball accept prepayment on other days provided tbar Borrower PB}'ll interest on the amount prepaid for
Ihe remainder of the month to the extent required by Lender and permitted by regulations of the Secretary. If Borrower makes a
partial prepayment, there will he no changes in the due dale or in the amount of the monlhly payment unless Lender agrees in
writing to those chang es,

6. RORROWER'S FAILURE TO PAY

(A) Late Charge fnr OvenlueI'DymenlB
~

t
.,
.'"If Lend~rh~:noL~vahhe full monthly paYme;.t'~ili~ bY'th~Sd:tI~i'ty histtumdit:c;;,; described in ParHgfaph. . """-.-~
ce;:"",~ . -:~' :"':8 _1.c~),pJtjj5 ~[.'tli~.J!J,~.~~
.t:l:.~iJlf fiftet:~.Falend~r,.~ays after th~E,a-l~, nl..\6.c!!rC:~}:ff.II~~.J.Ii4J~!i'?IJ~~,t~~:c~~.rge ~D,\h.e a-,~]ounL,>,.",~, ;..;/
.':" of FoUr and NO'T}lo)l8a.na.tl:IB. .' percent"(, .' '. ." ~. ooo~) Qf.the, overdue aniotlnt of each payment. •
" _. (H) Default - - . - , .. .' ,
=-. -:.. '''. --'if BC!.IToweT:default~1:i:;':failing.to..pa:j 'i~~fui'l~.mon!hij$aY~n~"'!h"n ien<ier'~y. ~t:ep!.8S Ihnilc(rlly-regl.!aliom - -~- ~ -:..:-::.. -:'~~:;;', ••.::~. '~-. ~:"~;, .o::..~=:;.~_,..~
~",::
~- .,:. ;:~--. > :-~"ofthesecre~~uy~in the case·Qf.p~.en~~defHU!rni~u~reJ~~~~.:pa~ent in fu!r0f<tfi~_princ~~ai balance rernain~ng-due-;an~'#""'''''''-:~ --~ ~-4~~"~~~~~~;:~ ~..~~ __-::
all accrued Interest. Lender may choose not to e1<eICI'" tou option wnhoul waiving lis Tlgbts in the event of any subsequent -
default. In many circumstances regulations issued by Ihe Secretary will limit Lender's rights 10 require immediate payment in
full in the case of payment defaulli. This Nole dots 1101 authorize acceleration when nOI permitted by HUD regulations. A~ used
in this NOIe. "Secretary means the Secretary of Housing and Urban Development or his or her designee.
(e) l'aymrnt of Costs and Eq>enSe5
If Lender has required immediate payment in full, as described above, Lender may require Borrower to pay costs and
expenses including reasonable and customary artomeys' fees fur enforcing this Note 10 the extent nOI prnhibited by applicable+
I",,,,, Sllch fL"C" and.costs .'h~1I bear interest trom the dale nldisbursement
7. W'(i"VERS ·-:=o~=..;,.,~::-_C7" .,.".:- ._ ••.. _--
at the same rate as the principal of this Nore. .J-
- .- .• --

BOrrower and any other person who h-•• obligations WIder this Note waive Ihe rights of presentment and notice of
dishonor. "Presentment" means the right 10 require Lender to demand payment of amQUOISdue. "Notice of dishonor" means the
right to require Lender 10 give notice to other persons that amount, due have not been paid,

R. GIVING OF NOTICES
Unless applicable law requires a different method, Illy notice that must be given to Borrower under this Note will be given
by delivering iI or by mailing it by first class mail to Borrower 31 the property address above or 31 a different address iF
Borrower has given Lender a notice of Borrower's different address.
A ny notice Ihal must be given to Lender under Ihls Note will be given by first class mail to Lender ar the addre .••.
s stated in
Paragraph 4(H) or at " different address if Borrower is given. notice of that different address.

9. OBLJGA nONS OF PERSONS UNDER THIS NOTE

If more than one person signs this Note. each perscn is fully and personally obligated 10 keep all of the promises made in
this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Nnte is
also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surely
or endorser of this Note, is also obligated 10 keep all of the promises made in this Note. Lender may enforce its rights under this
Note against each person individually or against .11 signatories together, Anyone person signing this Note may he required to
pay .11 nf the Rmounts owed under Ihis Note.

BY SIGNING BELOW. Borrower accepts and agrees to the terms and covenants contained in this Note.

--,-f.>..J"'f--<.E..l'..Y '~<kl-""cl::J..r\lo.!Cu.&.lJ,y"""",o.",J.,-,t,,-.( .:.t.!.,r (Seal)

Eileen J .ll3Iradshaw ~J\t'ITrnWer

_________________ (Seal)
-Rf!rmt\'er

".nk Unned (Seal)

rAY T(l THE er..f)ER OF -Roan ••••
\'. ;!1 J",~. r sEC(H!RSF.
I', ji'j ljW PI' IQ (Seal)
If·: '. ,;.! MGR [GAGE CORPORA T-JlDIII>-,

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