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Jo se Miranda Wells Fargo Bank MAC X2303-01 N 1 Home Campu s Des Moines, IA 50328 Re: William and Kathy B i FAUCHER & ASSOCIATES ATTORNEYS AT LAw December 26, 2013 5743 CORSAAVE . , SUITE 116 WESTLAKE VILLAGE, CA 91362 818 - 889 - 8080 FAX : 805 -367-4154 jdf<mjohndfaucher. com Wells Fargo Ho me Equity acco unt relationship Dear Mr. Miranda: I do not represent the B s in the matter above. I continue to get correspondence from Wells Fargo Bank asking me to pass it along to them. This must mean that \'(Iells Fargo Bank intends for me to work for it. As such, I am sending an invoice for my time in this matter. The B s do not owe this bill, because they did not engage my services in this matter. Wells Fargo does owe it, because it continues to ask me to perform the services I am invoicing. Please remit payment within 30 da ys of receipt of this letter. Thank you for your attention to this matter. Very truly yours, ; hn D. Faucher C: K and W B i (with cop y of letters dated 12/ 13, 12/ 17, and 12/ 19/ 2013) Wells Fargo Servicing Center Hom e Equity Payme nt Processing MAC B6955-01B P.O . Box 31557 Billings, MT 59107

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Page 1: FAUCHER ASSOCIATESjohndfaucher.com/.../2013-12-26-t-Wells-Fargo... · 12/26/2013  · 10/29/2013 Draft letter to Wells Fargo Bank explaining that I do not represent the B s, and forwarding

Jose Miranda Wells Fargo Bank MAC X2303-01 N 1 Home Campus Des Moines, IA 50328

Re: William and Kathy B i

FAUCHER & ASSOCIATES ATTORNEYS AT LAw

December 26, 2013

5743 CORSAAVE. , SUITE 116 WESTLAKE VILLAGE, CA 91362

818-889-8080 FAX: 805-367-4154

jdf<mjohndfaucher.com

Wells Fargo Home Equity account relationship

Dear Mr. Miranda:

I do not represent the B s in the matter above. I continue to get correspondence from Wells Fargo Bank asking me to pass it along to them. This must mean that \'(Iells Fargo Bank intends for me to

work for it. As such, I am sending an invoice for my time in this matter. The B s do not owe this bill,

because they did not engage my services in this matter. Wells Fargo does owe it, because it continues to

ask me to perform the services I am invoicing. Please remit payment within 30 days of receipt of this letter. Thank you for your attention to this

matter.

Very truly yours,

; hn D. Faucher

C: K and W B i (with copy of letters dated 12/ 13, 12/ 17, and 12/ 19/ 2013)

Wells Fargo Servicing Center Home Equity Payment Processing MAC B6955-01B P.O . Box 31557 Billings, MT 59107

Page 2: FAUCHER ASSOCIATESjohndfaucher.com/.../2013-12-26-t-Wells-Fargo... · 12/26/2013  · 10/29/2013 Draft letter to Wells Fargo Bank explaining that I do not represent the B s, and forwarding

FAUCHER & ASSOCIATES

Invoice

Wells Fargo Bank Home Equity Group MAC X230)'·0IN 1 Home Campus Des Moines, IA 50328

Date 10/28/2013 Draft letter to William and Kathy B i re passing on

information from Wells Fargo Bank 10/29/2013 Draft letter to Wells Fargo Bank explaining that I do not represent

the B s, and forwarding correspondence to B s as requested by Wells Fargo

11/05/2013 Draft letter to Wells Fargo Bank (new Home Preservation Specialist) explaining that I do not represent the B s, and forwarding correspondence to B s as requested by Wells Fargo Bank

11/20/2013 Draft letter to Wells Fargo Bank explaining that I do not represent the B s, and forwarding correspondence to B s as requested by Wells Fargo Bank

12/17/2013 Draft letter to Wells Fargo Bank explaining that I do not represent the B s, and forwarding correspondence to B s as requested by Wells Fargo Bank

12/19/2013 Draft fifth letter to Wells Fargo Bank explaining that I do not represent the B s, that I have been responsive despite its false allegations, and forwarding correspondence to B s as requested by Wells Fargo Bank

12/26/2013 Draft letter to Wells Fargo Bank indicating that I need payment for the service of communicating with the B s, and creating invoice

Total: 1.9 hours, at $400 per hour = $ 7 60.00 Please remit payment within 30 days

ATTORNEY AT LAW 5743 CORSA AVE" SUITE 116

WESTLAKI~ VILLAGI~, CA 91362 818/889-8080

FAX: 805/367-4154

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Page 3: FAUCHER ASSOCIATESjohndfaucher.com/.../2013-12-26-t-Wells-Fargo... · 12/26/2013  · 10/29/2013 Draft letter to Wells Fargo Bank explaining that I do not represent the B s, and forwarding

II Home Equity Group MAC X2303-01N 1 Home Campus Des Moines, IA 50328

December 17,2013

PCTHEQCABR 41 000051

JOHN D FAUCHER 5743 CORSAAVE STE 208 WESTlAKE VILLAGE, CA 91362

Case Number: Mortgagor(s): W J B K A B

Contact Information

Fax: 866-834-7850 Telephone: 888-508-2334 Ext: 80535

Correspondence: Home Equity Group MAC X2303-01N 1 Home Campus Des Moines, IA 50328

Hours of operation: Monday-Friday 6:00 a.m.-3:00 p.m. Pacific Time

Loan Number: Property Address:

RESEDA, CA 91335

Home Equity account ending in

Subject: Action required regarding your client's Home Preservation review

Dear JOHN D FAUCHER,

I have enclosed a copy of correspondence that must be passed along to your client which provides time-sensitive information about a Home Preservation review on their property.

Next Steps Required Please review the attached documents with next steps including any documentation needed to continue the review and ensure that you or your client responds within the given timeframes.

I'm here to help As your client's home preservation specialist, I'm standing by to help with your client's needs. If you have any questions about the information in this letter, you can reach me at the phone number listed below.

Sincerely,

Jose Miranda Home Preservation Specialist Wells Fargo Home Equity 888-508-2334 Ext: 80535 Fax: 866-834-7850

HEQCABR02 1112 PCTHEQCABR 000051

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Home Equity Group MAC X2303-01N 1 Home Campus Des Moines, IA 50328

Decernber17,2013

W J B K A B

RESEDA, CA 91335

Contact Information

Fax: 866-834-7850 Telephone: 888-508-2334 Ext: 80535

Correspondence: Home Equity Group MAC X2303-01N 1 Home Campus

Des Moines, IA 50328 -lours of operation:

Monday-Friday 6:00 a.m.-3:oo p.m. Pacific Time Loan Number:

Property Address: RESEDA, CA 91335

Subject: Acknowledging receipt of your documentation supporting your request for mortgage assistance

Dear W J B and K A B :

We're writing to let you know we've received the documentation you sent us supporting your request for mortgage assistance. And thank you for responding to our request.

What happens next We will review the documentation you've submitted. Please keep in mind, there may be additional documents required before we can determine if you're eligible for mortgage assistance. To find out what additional documents we may need from you:

Refer to the initial package we sent you listing all requi red documentation , as well as any subsequent correspondence requesting additional documentation.

• Go to wellsfargo.com/modification to see what documents we may still need from you. (Please note: For certain loans, online assistance may not be available. If you receive an error message, please call us at 1-866-319-0855.)

Please note: As a result of your bankruptcy case, this letter is not an attempt to collect a debt from you or in any way violate any provision of the United States Bankruptcy Code. This letter has been sent to you for informational purposes only. This is not a bill or a request for payment, or a statement that you are personally obligated in any way to make a payment. Your decision to discuss workout options with Wells Fargo Home Mortgage is strictly voluntary. You are not obligated to pursue any workout options discussed with us. At your request, we will immediately terminate any such discussions should you no longer wish to pursue these options.

Wel ls Fargo Home Equity is a division of Wells Fargo Bank, N.A. © 2012 Wells Fargo Ban k, N.A. All righ ts reserved. NMlSR ID 399801 Equal Housing l ender @

HEQCABR02 1112 PCTHEQCABR 000051

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I'm here for you If you have any questions or need further assistance, please call me at the phone number listed below. Thank you.

Sincerely,

Jose Miranda Home Preservation Specialist Wells Fargo Home Equity 888-508-2334 Ext: 80535 Fax: 866-834-7850

Active Service members The Servicemembers Civil Relief Act (SCRA) may offer protection or relief to members of the military who have been called to active duty. If either you have been called to active duty, or you are the spouse or financial dependant of a person who has been called to active duty, and you haven't yet made us aware of your status, please contact our SCRA specialist at 1-866-249-5075 or fax your Active Duty Orders to 1-866-967-4241, attention Special Loans/SCRA.

Get free counseling to help manage expenses and avoid foreclosure Reach out to a local HUD-approved, non-profit housing counseling agency if you're struggling to keep up with monthly expenses, or want help to avoid foreclosure. At no cost, a counselor will work closely with you, providing the information and assistance you need. To find an agency near you, go to www.hud.gov/offices/hsg/sfh/hcc/fc. Or call 1-800-569-4287. You can also call the HOPE Hotline at 1-888-995-HOPE.

Be sure to avoid anyone who asks for a fee for counseling or a loan modification, or asks you to sign over the deed to your home, or to make your mortgage payments to anyone other than Wells Fargo Home Equity.

Wells Fargo Home Equity is a division of Wells Fargo Bank, N.A. © 2012 Wel ls Fargo Bank, N.A. All rights reserved. NMLSR ID 399801 Eq ual Housing Lender Q

HEQCABR02 1112 PCTH EQCABR 000051

~.;:;:-

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• Home Equity Group MAC X2303-01N 1 Home Campus Des Moines, IA 50328

December 19, 2013

PCl'HEQINC 41 000057

JOHN D FAUCHER 5743 CORSAAVE STE 208 WESTLAKE VILLAGE, CA 91362

Subject: Additional documentation needed with borrowers request for mortgage assistance Mortgagor(s): WI J B & K A B Home Equity account ending in xxxCase Number:

Dear JOHN D FAUCHER,

I'm writing to follow up with you on the borrowers' recent request for mortgage assistance. As the home preservation bankruptcy specialist and dedicated point of contact, I'd like to thank you and the borrowers for responding to our request for documentation.

Additional documents needed before we can proceed Our home preservation bankruptcy team has reviewed the documents submitted, and we cannot yet determine if borrowers are eligible for mortgage assistance. In order to meet the documentation requirements, I must receive the additional documentation listed below by January 18,2014.

• Additional information requested: Copy of your first lien modification documentation which includes the new payment amount, term and rate

Immediate action required - please send us the documents So we can process their information and determine their eligibility for mortgage assistance, please send us the requested documents right away, either in the enclosed overnight envelope or by fax. Please note: It's very important that we receive the requested document(s) by the date indicated above. Even though I will continue to work with you and the borrowers to help avoid a foreclosure sale, it's important to understand that -- if payments are past due - legal actions within the bankruptcy case may proceed at any time and may result in court approval for foreclosure actions to begin. If the borrowers or the property has been released from the bankruptcy case foreclosure actions for the loan referenced above may begin before their documentation is received.

• If using the enclosed overnight envelope: Simply insert the documents, seal the envelope and return it to the shipping location or drop box (we've already attached the shipping label). To find a shipping location near you, call the telephone number listed on the overnight envelope.

BKI Incomplete Notice PCTHEQINC 000057

Page I HEQINC02

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• If sending by fax: Fax to 866-834-7850 and be sure to include your telephone number, date, and a list of the documents you are faxing.

• If sending electronically: You may be able to send the required documents securely through this website. Go to: wellsfargo.com/modification.

You may also be able to track the status of the request for mortgage assistance online, at wellsfargo.com/modification. (However, certain loans may not be able to request assistance online. If an error message is received, please call us at 800-678-7986.)

Please note: As a result of your client's bankruptcy case, this letter is not an attempt to collect a debt from your client or in any way violate any provision of the United States Bankruptcy Code. This letter has been sent to you for informational purposes only. This is not a bill or a request for payment, or a statement that your client is personally obligated in any way to make a payment. Your client's decision to discuss workout options with me is strictly voluntary. Your client is not obligated to pursue any workout options discussed with us. At your request, we will immediately terminate any such discussions should your client no longer wish to pursue these options.

What happens if we do not receive the documentation Please understand that we want to help. If we do not receive the requested documents, we cannot determine if the borrowers are eligible for mortgage assistance.

As a reminder, it's important that, depending on the terms of their bankruptcy case, regular mortgage payments continue to be made until you and the borrowers hear from us about their eligibility for this program.

Information is available • You have a right to receive a copy of the appraisal report or other information we may use

to help us determine the value of your mortgaged property when you apply for a loan modification. After you are notified of the action taken on your application, please send a written request that includes your name, loan number and delivery address to: 1 Home Campus, MAC X2303-02D, Des Moines, IA 50328-00101 or fax to 1-877-843-0709. We must receive your request no later than 90 days after you are notified of the action taken, or after you withdraw your application. We will fulfill a request for appraisal information at any time if you live in, or if the property is located in, Arizona or Rhode Island.

• When your client becomes past due on their mortgage payments, it's important to understand that the actions taken to correct the situation can affect their credit score. As they look into the different options, they'll find that each may have a negative impact on their credit score, but likely to a different degree. Keep in mind that the degree of impact to their credit score depends on their overall credit circumstances and is different for each individual

Thank you for your prompt attention to this matter. If you or the borrowers have any questions or need further assistance, please call me at the number below.

Sincerely,

Jose Miranda Home Preservation Bankruptcy Specialist Wells Fargo Home Equity 1-888-508-2334, Ext: 80535 Monday-Friday 6:00 a.m.-3:00 p.m. Pacific Time

BKI Incomplete Notice PCTHEQINC 000057

Page 2 HEQINC02

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Active Servicemembers The Servicemembers Civil Relief Act (SCRA) may offer protection or relief to members of the military who have been called to active duty. If either you have been called to active duty, or you are the spouse or financial dependant of a person who has been called to active duty, and you haven't yet made us aware of your status, please contact me at 888-508-2334 or fax your Active Duty Orders to me at 866-834-7850.

Get free counseling to help manage expenses and avoid foreclosure Reach out to a local HUD-approved, non-profit housing counseling agency if you're struggling to keep up with monthly expenses, or want help to avoid foreclosure. At no cost, a counselor will work closely with you, providing the information and assistance you need. To find an agency near you, go to www.hud.gov/offices/hsg/sfh/hcc/fc. Or call 1-800-569-4287. You can also contact the HOPE Hotline at 1-888-995-HOPE.

Be sure to avoid anyone who asks for a fee for counseling or a loan modification, or asks you to sign over the deed to your home, or to make your mortgage payments to anyone other than Wells Fargo Home Equity.

Wells Fargo Home Equity is a division of Wells Fargo Bank, N.A. © 2012 Wells Fargo Bank, N.A. All rights reserved. Equal Housing Lender.

BK1 Incomplete Notice PCTHEQINC 000057

Page 3 HEQINC02

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• Home Equity Group MAC X2303-01N 1 Home Campus Des Moines, IA 50328

PCfHEQINC 41 000057

JOHN D FAUCHER 5743 CORSAAVE STE 208 WESTLAKE VILLAGE, CA 91362

SKi Incomplete Notice PCfHEQINC 000057

HEQINC02

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WELLS FARGO

DCCClll bc l' I:J. :.lO lj

OCHOECDTFM 003705

1 ••• 11111111.1111 •••• 1.11111111111.1 •• 11111111111.111.'111"1'111 J OHN D FAUCHER 5743CORSAAVE STE208 WESTLAKE VILLAGE, CA 913626465

SlI q;ect: W J B I Wells Fargo Home Equity account relationship

DearJOHN D FAUCHER

We lls Faq;o Se rvicing Center I lome Equity Payment Processing ~ IAC B6<)55-0 113 PO Box :\1557 Billings, t\'IT 59107 Wcllsfargo.com

I'd like to take this opportunity to introduce myself. My name is Jose Miranda and I'm writing to let you know that going forward, I'll be the new Wells Fargo home preservation specialist who will be assisting your client.

Previously, another specialist was assisting your client, but now I'll serve as their dedicated home preservation specialist. In this role, I will be your primary contact, working closely with you and your client, and helping through every step of the home equity assistance process. Remember that along the way; please respond promptly to any comlllunications and requests for information you receive. To help ex pedite the process, please fax your documents and information to (866) 834-7850 If you prefer to send the documents by mail, please them to:

Home Preservation Team Mac X2303-OlN I Home Ca mpus Des Moines, IA 50328

I'm committed to helping your client through the l,rocess and making it the best experience possible. That's why I welcome your feedback at any point - whether it's to share somethi ng positive, 01' if you have concerns with someth ing about which I was not able to help you . . Just let me know, and I'll be happy to put you in touch with my manager.

You can count on me to keep you well-informed about YOllr client's account, the process, and next steps. I'm here to help you in any way I can. Please feel free to contact me with any questions you may have along the way. You can reach me at at (888) 508-2334 Ext: 80535 during these hOllrs : Monday-Friday 6:00 a.m.-3:00 p.m. Pacific Time.

I'm pleased to have this opportunity to help your client, and I look forward to working with you.

Sincerely,

.Jose Miranda Home Preservation Specialist Wells Fargo Home Equity (888) 508-2334Ext: 80535 Fax: (866) 834-7850

If you have received a discharge of this debt in bankruptcy or are currently in a bankruptcy case, this notice is not intended as an attempt to collect a debt, and we have a security interest in the property and may exercise ou r rights as aga inst the property,

HEQSPOJ

@2011 Wells Fargo Bank, N.A. All nghts reserved. Member FDIC. NMLSR 10 39980 1. G:r -­LENDER

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