part 2 respondent's response to mandamus

8/7/2019 Part 2 Respondent's Response to Mandamus

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C h a r l i e GIN THE CIRCUIT COURT OF THE TWENTIETH . Coort Lee~\(QLl!ll;W~~JUDICIAL CIRCUIT IN AND FOR LEE COUNTY, FLORIDA B Y : D . C .CIVIL ACTION ~WASHINGTON MUTUAL BANK FIKIA WASHINGTO~ie SialrBANK, FA SUCCESSOR BY MERGER TO BANKUNIT .FIKJA BANK UNITED OFTEXAS,FSB, I ~nbintiO', Ivs , 07-CA-011562 \0CASE NO. . St . beck M argaret 0DNISION Judge. am ,LARRY R. BRADSHAW; THE UNKNVWN SPOUSE OF LARRY R. BRADSHAW; ANY Arm ALLUNKNOWN PARTIES CLAIMING BY, THROUGH, UNDER, AND AGAINST THE HEREIN NAMEDINDIVIDUAL DEFENDANT(S) WHO ARE NOT KNOWN TO BE DEAD OR ALIVE, WHETHER SAIDUNKNOWN PARTIES MAY CLAIM AN INTEREST AS SPOUSES, HEIRS, DEVISEES, GRANTEES, OROTHER CLAIMANTS; THE BANK OF NEW YORK TRUST COMPANY, N.A. AS SUCCESSOR TOJPMORGAN 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 inpossession

" .'... _ ~... "_ .. _~erendaDt(s). ..:. -_~:,.~ ..~ _.____________ 1- _;l~~_-"V :.\~ ~::.-.c . ' ' : . . ; , : ; ; - . ; , . " .. . . . .. ., . .. : : -. : - ' - , . " . , . " ' . ,.; . . y . J . . . ....., '~ ,,: t_ ~. .. ~~- " .

:NOTICE OF LIS PENDENI?c' ', .. ' _',-':~ ":"~':" ~ . ~ --;.T94:he.abq.\:'~~edD.e1endari~s) an d~a1l:. others.Who!l l.-it


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. S 17Cha r I i . 2 0 0 7e 1 'een C JC O O r t . .B Y ; n Y. F 7 o r 1 d a f t_ _ _ _ _ D .C .

WASHINGTON MlITUAL BANK FfKlA WASHINGTON MUTUAL BANK, FA SUCCESSOR BYMERGERTO BAMrnNlTED, FSB FIKfA BANK UNITED OF TEXAS, FSB,Plaintiff,

IN THE ClRCUIT COURT OF THE TWENTIETHJUDICIAL CIRCUIT IN AN D FOR LEE COUNTY, FLORIDA

CIVIL ACTION

VS.0 7 - CA-0 11 56 2CASE NO. Ju dg e: S te inb eck, M arga re t 0DIVISION

LARRY R. BRADSHAW; THE UNKNOWN SPOUSE OF LARRY R. BRADSHA w, ANY AND ALLUNKNOWN PARTIES CLAIMING BY, THROUGH, UNDER, AN D AGAINST THE HEREIN NAMEDINDIVIDUAL DEFENDANT(S) WHO ARE NOT KNOWN TO BE DEAD OR ALIVE, WHETHER SAIDUNKNOWN PARTIES MAY CLAIM AN INTEREST AS SPOUSES, HEIRS, DEVISEES, GRANTEES, OROTHER CLAIMANTSj THE BANK OF NEW YORK TRUST COMPANY, N.A. AS SUCCESSOR TOJPMORGAN 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 inpossession 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 NAMEDINDIVIDUAL DEFENDANT(S) WHO ARE NOT KNOWN TO BE DEAD OR ALIVE,-WHETHER SAID - -- ...- - _ . - - - - - - - - " . -- - - - -- . . - - . -. - " - . . - - - - . .. . . - . . .. -. - -. ; .. ~ - . . . . . . . = - - . - - - . . - - - - - - - - - - -UNKNOWN PARTIES MAY CLAIM AN INTERESTAS ~SI>.OUSES,HEIRS, DEVlSEES;GRANTEES;: 0R.:~c. ':,::, - .. '-.-= -:~:"OTIIER CLAIMANTS; THE BANK OF N EW YORK TRUST COMPANY, N.A AS SUCCESSOR TOJPMORGAN 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 inpossession, and alleges:

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

FILE_NUMBER: F07025728 DOC_IO: M000100

1 1 1 ~ 1 1 1 1 I 1 1 1 1 1 ~ ~ ~ ~ 1 1 ~ 1 ~ 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1


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2. This firm bas complied w ith the notice requirement of the Fa ir D eb t Collection Practices A ct., 15U .S .C . ]601, as am ended. The N otice{s) previously m ailed b y the firm is a tta ch ed he re to a nd inc orpo ra te d h ere inas an Exhibit,

3. On October 16, 1998, there was executed and delivered a Promissory Note rMortgage Note"} and aMo rt ga g e (HMor tg a ge '~ securing the paym ent of th e Mortgage Note . The M ortg ag e w as recorded on O ctobe r 19. 1998,in O fficia l R ecords B ook 30 25 at Page 2847, of the Pub lic R ec ords of LEE C ounty, F lorida . (A ll subse quent recordingre fe re nce s are to the public records of LEE C ounty, F lorid a) a nd m ortg ag ed th e real a nd p ersonal p ro pe rty ( "P ro pe rtyJl )described therein,. then owned by and in possession of me Mortgagor( s). Copies of the .original Mortgage Note andMo rtg ag e a re a tta ch ed h er et o a nd in co rp ora ted herein as an Exhibit.

4. Plaintiff is now the holder of the M ortg ag e N ote and Mortgage .5. The Property is now ow ned of record by Defendant(s), LA RRY R. B RA DSH AW .6. The Mortgage Note and Mortgage are in default. The required in stal lment payment of M arch 1,

2007, was not paid, and n o s ub se quent payments h av e b ee n made. The Mortgage is contractually du e for th e M a rc h...~...~J..?O OJ, 'payII lent; J::h~ la st paymentreceived wasappl ied to the February 1, 200 7, installment,' ~ .9 .~n(r1ubsequenC', -.- . .. :.:.:. .~... :,. ,. ,~- .. .. .

-- -'paYmeritsllllvelleen applied tothe loan . ": .. .. ~ -_.. .. . -'- .:: - ...:-0::0. ~~ ..-~ , z>:. '.. ' ~.:. :i8:~'-::;C. 1


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14. TEN AN T #1, TENAN T #2, TENAN T #3 and TEN AN T #4, the names being fictitious to accountfor parties in posse ssion m ay c la im some in te re st in the P rop er ty th at is th e sub je ct o f th is fo re closu re a ctio n by v irtue o fa n u nre cor de d le ase o r pu rc ha se op tion , by v irtue of po sse ssion , o r m ay o th erw is e c la im an interest in the P rope rty. T henames ofthese Defendants are unknown to the Plaintiff.

WHEREFORE, P la in tiff re qu ests th at th e C our t a sc erta in the a mou nt d ue P la in tiff fo r p rinc ip al a nd in te re st o nthe M ortg ag e N ote a nd M ortg ag e and for late c ha rg es, ab stracting , ta xe s, expenses a nd costs, i nc lud ing anomey 's f ees,p lu s i nte re st th er eo n; th at if the su ms du e P la in tiff un de r the M ortg ag e N ote and M ortg ag e a re not paid immedia tely, theCourt foreclose the Mortgage and the C le rk oftb e Court s el l t he P rop er ty securing th e indebtedness to satisfy Plaintiff'smortg ag e lie n in a cc or da nc e w ith the pr ov isio ns of Florida S tatutes 45.0 31 (20 06 ); that the rig hts. title a nd interest ofany D efendant, or any party cla im ing b y, throug h, under or against any D efendant nam ed herein or hereafte r m ade itD e fe nd an t b e for ev er barred and foreclosed; that the C ourt appoint a re ceive r of the P roperty and of the rents, issues,inc om e and profits the re of; or in the alte rnative, order sequestration of rents, issues, incom e and profits pursuant toFlorida S tatutes 697.0 7 (20 06); and that the Court retain jurisdiction oftbis action to m ak e a ny and all further orders

- - - ., . "and-=- judgrnents asc-may - be n ec e ss ary -en d p r o p e r ; . .- C m C lu d i n g -the- issuance-of a ' w rit o f posse ss ion-and the-ent ry of 1 1~-c>.,'-~ "'-' c--- - 'C o , - , - . : - " '. . ;: -. ".' -r. , -r ' d ef ic ie nc y dec re e, w hen' and" if such .d ef ic ie nc y d ecree shiU i-a pp ea r proper, : ifbo rrowerf s) hail 'not 'b& :ii


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ECHEVARRIA, CODILIS & STAWIARSKIATTORNEYS A T LA W

9119 CORPORATE LAKE DRIVE3RD FLOOR

TAMPA, FLORIDA 33634Please reply to:Post O ffic e Box 2.50 ] 8Tampa, FL 33622-5018

Telephone (813) 251-4766Telefax(813) 25]-]541

September 25,2007LARRY BRADSHAW1829] U SEPP A ROADFORT MYERS, FL 339J2

Re:Loan Number: 6164361104Mortgage Servlcer WELLS FARGO BANK, N.A. SUCCESSOR BY MERGER TO


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Unless you notify this la w firm w ithin thirty (3 0) da ys a fte r your rec eipt of this letter tha t the v alidity oft hi s d eb t , Or an y portion thereof, is d is pu te d , t hi s law firm w il l a ss um e thai th e debt is valid. If you do notify thisla w firm in wr it in g w i th in thirty (30) d ay s a ft er receipt of this letter that the debt, or any portion thereof, is disputed,th is la w firm wi ll o b ta in verification of the debt or a copy of the judg me nt a ga in st you, if a ny , a nd mail it to you;Also, u po n y ou r w r it te n reqtre!:t wit hi n t hi rt y (30) days after your receipt o f thi s letter, this la w firm w ill provide yo uwith the nam e and address of the o r ig inal c redi to r , if different from t he c u rr en t c r ed it or . Echevarria, Codilis &.Stawiarski is a debt collec tor. T his law firm is attem pting to c olle ct a de bt, and any inform ation ob taine d w ill b eu se d f or th at p ur po se .

A ll written r eq ue sts sh ou ld b e a dd re ss ed to K ie rs te n J en se n, Echevarria, Codilis & S ta wia rs ki, P .O . B ox25018. Tampa, Florida 33622-5(]1 &.

T his la w firm is in the proce ss of filing a Complaint OIl the prom issory N ote and M o rtg ag eto forec lose onr ea l e st at e. The adv ic e in this le tte r perta in s to your dea ling s w ith this la w firm as a deb t collec tor. I t does not affec ty ou r d ea lin gs w ith th e C ou rt. a nd in p ar tic ula r, it doe s not c han ge the time a t w hic h you m ust answ er the C om plaintThe Sum mons ~ a comm and from m e C ourt, not from this law firm , and you m ust follow its instruc tions ev en if yo udispute the validity or am ount of the deb t T he advice in this le tte r also does n ot a ff ec t th is la w fir m's re lations w iththe C ourt T his la w firm m ay file pa pe rs in the suit a cc ording to the C ourt's rule s a nd the judg e's instruc tions.

, ~. __ '_ O_c _ __ c:lin~~,f y.o~p[~~io!cl~Y,r~ej ~ed a discharge in a bankruptcy inv olv ing this loa n a nd did Dot signa ..--:::--.-~-::reiI.ffiiiliaiion~ilgriemen~ t!lellthis lC ite r iS ~ n b { - a n attempt to c o l l e c t adeb t from you p e r s ( 5 i i a l l y . .Tliis iawTUl I l.js~~_ c,_..... --,,=c.~.~~:: , . ~ - t . , _'r':


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THIS SECURIT1f INSTRUMBn ., rnunDO Wliform ""'= fu, Jalioul \1S4" and null_If .. on is I~ N """ ""1 1:00


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, ~ m>d fOeril 1e ll lu lt _b< . .. - LcMa_1G 1l\I:_I,.~ 11>< ~ D f"'V I"" ' " < \olD ! for..."._ oIIlttf or \.'Ull5CQII"'Iiai. 1n~ .ilI!.." ~ or otha _. of __ o r . " . 1'ropctIy. Of flit CQII~"""" !I. pi.,., of ~i _l o< rt ioy" "l Jrd ad m.JI be paid l .mder Inm. ttIOf>\o r fh< fIoll _ 01 Jh< indtlIIodsocn du< romim I O I J I O I c I_ II >< _ me ! fi!i> Scdcr ~.~~Ihe~_.If~ I'alh IU . . . u Ih"" ""~ or IIJcV'.fPII"IIO """Q-od " ~ 2. Of r fO rc rli>" " _ othat:DlIolDIIIlSUd ~ ~ iD ~ir: Scauicy jMU\lmc:o\. Of Ibcn is ;t Je,pl pr~JOJ Out!may JJpllic;::qnlyatre:l ~ rjzItll ID lilt: l'rojlal)' I.. ,dlu ~iIIl iII~. f-o~Of__ "'/. II u:D ~ lDf da 0n4 p.y ~."..,,, r b ~ 10p".'" II >< W uc o r tk I'roprny """ I...rnda',ri~ = ~ Ptc;.ny. irtdu~ ~ ollllUC, h.IDUd ~:an(] .tt.t'f" ~ ~M-4 il::ll~b 1.t . Jr - . diJb al _ of lm "",,~ ond be-...-cd b r w. ~ (m_. n - " " " " " " , w.t! t-ri_ tr.... 1Ix:d= cr~I.;I\ IboNp i


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==...)o'"UlNONUNIFORM COVENANTS. _ . :molL-lrt funh ee """"".:md ~"'" f01*.,17.~_ or IIau.. ~ UTdrr "F"" '" r d;acu_each laaaM of 'S he~ 10 pay I lw R"IXJ 10' l,.cadtc- ell" ~ ." _pm&. HiJW't'\."ef. rr.n r 10 l..codtr"s N-litt lea-.....'" or 1Iontnra". brc:Ido of Inf a>\ or 3frrmnll in Ibt -1 ~. 80,.......,. 11\:II1ccu...;mdJUC iOl:_;II """ .s '"'" rn'aJ!l:C' 0 (.11>. Prorm.i".IIJ!'IX-f'~-.I!!fI>cDI< > < r r f othu riP! or < m> ed y o f L mr I. :. -. T his-"'llcn=u< or lUlSaflb: !'rDlrcnr II I ol I _ w il en dclll"'""""'" 1Ir,-n. Bomn olodIl'OJ ":r_ion.-...: z o . AtIomo) . ' F I ts. '" .,..., iD III;' s...vril}- ID >trumc>l .o1 l4 1 11 : N Olo, .~. ftrXlDl by llosTm'a ~ ttron!tol v1'C'hh:tIl omm.I :tnd~ tiJa t :O\" I:CUZI tI ~ :!lC.t"Oann:ILI: .f Ih~' Secum~ lAs:l1"\l:f1"\ftn IllS if 1~ tiilc:r(l.} ~t:~ of Ift~E .sc...~ty1IUlrunRm.8Oretl; "I'l'lIr.1>le""iCol>doaio io l!i rM CJ (jro";og Eeju;,y IUdu 0 0I!lcT 1>j>


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NOTEOOt;2U6324j:/ tvl{j ~)/f()y

I' IlACax 110_D99-DD6366)-7D3'

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

- =------, ~r 16, l'~B_---.- =-IDatJ. -... -"C--' -_., ...,. --.;--"182'1 u.eppa '~d"'';' ">--Fort""Myurtl'l"'FL33912 _~}u~. __ -""?;(~,~"""":-'",.,,.-_.'" -~."'-"., -" rProfieiV1o:6dROOj----- ,~. ---~ '.- .. --.-. '

- - - , - --.""" - - -"----Ou"'nd Nine ""ndr"d Thirty Five and 00/10DDoIIaB (U.s. $-112-, 935 i'OQ , ).pllII mt=lt;1D Ih oilh :;-of la1ikr . -Im eresI-wiI! ~C harg cd on~ id-pn nc lpl l. _. . __fr om the 1I11e:'f d~ of !be Ia an-procccd& by Le!D:r, er tbt mof Sevm an.d--One-~lITteTrc=nl { 7. 250 ~l pcryuruntlilt.: fu n lII OOIJIIlorprincipll II""'""'" pm .J _ l'ROMJSE TO PAY SFUREb

8omJwer's pron!iJe '''PlY is ~ ~ II ~ deed cfll1llll er Ilmillt seeml}' instnnnenI !hat la dall' ll the WIle dill:III th is N o& c kWI caJIClIIlhc 'Sc:arrity IlIIfnImetII. Th e St urity ~1lI1D C1a ~ the l.cndcr fmnt 1ci-pU no_ ~ I\1l .heflm


16/32

s. lIORROWF..R"S JUGlIf TO !'REPAY~ bu 11m r isJ1l1O pay ! he d cb I t'Ii~ by mil N Ite, I n w fIole or in p m, w ilh ou t c tm ge or pma!ty, on t he f lD t~ of PI)' TlJODIb.LaIdcr Illlli .a:c:pt ~JmIt \lIIob:r days pmvld a ll h a! 8cJIIuM:rpl,Ylllllcrat mllbe IIIIDUl1Iprepaid forlhe remainder of IhI: IDDI"d!10 Iln: cmnt. rcqubaJ by U nd er a od p cn niw .! by ~ uftbe ~.I f fIorrowa" m De lI apAlliAl J>1c :pl}mC: l ll . ~ wlll be 0 0 dlanres in the doe date or in ~ I IlIIOOTI I .i l t " " monthly poyn=l 'fllles :s L=du agm:s in"IIITlU'IK to thDtict,..of . __ .". "'_~" _ _ _disbonor. "Prn 'e ll Lenlk> a 1IOria: or 8om1wer"1 dff= ddress.

Any ~ WI III1It be :g iYalIO La!dcr under Ihll ~ w fll b e g i_ by rll1l elm ll1IIii to L . . e r n I e r 81 lb e a:Id.- IiIIIIed Inroragropb 4{B) ( I II .tiff=! . tdn::N; if Ilarrown:r I. lIivm a nm I~ (1f IhII di1fI::lm . .Jd,..s.9. OBUGA1l0NS Of' PERSONS VNDU TBlS NOnIf mon: tbm 011Cpermn IW m I b il i ~ . I:Id pct1QD i&ful ly a nd pc!JOIllIl1y obJ iga l cd 10 lcccp all < if the ~ made inIbl. No , " " I l lC lodq (luo pn>m ilC 10pay Ih o flllllU1lCIIlIl1 OWed. AIry ptniIX1 w ho Is &llll'Utor, surely or endol'5el ' of driB NOIC 1.1also obllplllC! 10 do ~ "'inSS. Ani p c:n on wOOlak e s IMr thcoc obllptlons, includinl !b e oblillt iOlll of a panntor, IIlmyOf' IOIdoncr or tblJ NOIe, iI J tl SOob Il p! ed 1 0 ICtcp all Of!he)l 'lllmDes InI ICkiD t Ir I I N O I e. L e n de r may enfcrce Its ngT I ts u r dc l -l h lsNole a g ai ns l e a ch pef.aD ind lv id lll ll , o r I pl ns t .n &i",~ logmer. Any on e penoa s fg nln & t his N r ne m ay b e n:qulml 10pa y an nr rile ftmml1l!Jl owed under Ihi, Note.

!lY SIGN J l I IG BELOW . & rr ower I IIXepU an


17/32

F 0 6 0 1 6 6 3 6

IN THE CmCUIT COURT OF THE TWENTIETHJUDICIAL cmCUIT IN AND FOR LEE COUNTY, FLORIDACIVIL ACTION DATE ST/~MF'& RETUHNWASIllNGTON MUTIJAL BANK FIKJA WASHINGTON MUTUALBANK, FA SUCCESSOR BY MERGER TO BANK UNITED,Plaintiff

vs. DIVISION 0 6 - C A - 0 0 4 2 7 1Judge: R osman, Jay B

SPACE FOR RECORDING ONLY F.S.695.26

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

. .~ " .. ,_.,, '~4_' ~,,' -., .......... _ .,. .~,- ~_ ._"._,,,- .:~;~~;;~;~~~~~~~b~~~j~;~~~~[~~i~6~~if;;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, UNIT12, 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 32 6 A .T PAGE 195. __ ' _ ~ __-~~~~ = = : - = ,_ _- =PARCEL ID#: 15-46-25-1 -00134.0050.Dated t h m day of ) 'q - - ' ,2006.F I L E D

O C T 0 2 2 0 0 6C H A R L l C G : " ~ : : ; : " , ; " . " " (C I R C U IT i C O U N T Y C - : J J : : T SB Y [ " ; , "

By: ~~~~~--------

WMFID EL ITY - FH A - B ,- gesposito

EXHIBITj d


18/32

F 0 6 0 J 6 6 3 6

IN THE CmCUIT COURT OF THE TWENTIETHJUDICIAL cmcurr IN AND FOR LEE COUNTY, FLORIDACIVIL ACTION

WASIllNGTON MUTUAL BANK FIKIA WASIDNGTONMUTUAL BANK, F.A. SUCCESSOR BY MERGER TO BANKUNITED,Plaintiff,

CASE NO.vs. DMSIONLARRY R. BRADSHAW; EILEEN J. BRADSHAW; ANY AND ALL UNKNOWN PARTIES CLAlMINGBY, TIffiOUGH, UNDER, AND AGAINST THE HEREIN NAMED INDIVIDUAL DEFENDANT(S) WHOARE NOT KNOWN TO BE DEAD OR ALNE, WHETHER SAID UNKNOWN PARTIES MAY CLAIMAN INTEREST AS SPOUSES, HEIRS, DEVISEES, GRANTEES, OR OTHER CLAIMANTS;RESIDENTIAL FUNDING CORPORATION; TENANT #1, TENANT #2, TENANT #3, and TENANT #4the names being fictitious to account for parties in possessionDefendant(s).. .., ..:- - ," - - I

.;.".'--~-- .r- ... --:.:~~~-....:--- .....-'-:.?~..,:::ii'--. '~:


19/32

6. The Mortgage Note and Mortgage are in default. The required installment payment of May 1, 2006, wasnot 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 tothe 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 partiesto this action and reasonable attorney's fees.

9. All conditions precedent to the acceleration of the Mortgage Note and foreclosure of the Mortgage have beenperformed or have occurred.

10. Plaintiff has retained the law firm of Echevarria , Codil is & Stawiarski, in this action and is obligated to pay ita 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'~pertjthat isC~~~s~~jc~:,,~ ..:...~'. , c . 1 : : ' _

.~ , . " , - _ o f this. Forecl;sUI'e action by -,wille of ~,A~sjm-~En,~f :~o ~~g ?:.g~ '~


20/32

COUNT n- RE-ESTABLISHM ENT OF NOT E14. 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: $ 112,935.00b. Amount of monthly principal and interest payment: $770.42c. 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 ordestroyed and the Plaintiff is unable to state the ma.nri'e~n which th j~o;~;;;'~d: After due and diligent search, Plaintiff has

.tr:'."'~-=---- __ -;';:'-


21/32

ECHEVARRIA, CODILIS & STAWIARSKIATTORNEYS AT LAW9119 CORPORATE LAKE DRIVE3RD FLOORTAMPA, FLORIDA 33634

Please reply to:Post Office Box 25018Tampa, FL 33622-5018Telephone (8I3) 251-4766Telefax (813) 251-1541

September 29,2006LARRY R BRADSHAW18291 USEPPA ROADFORT MYERS, FL 33912

Re: Loan No.:Mortgage Servicer: 6164361104WASHINGTON MUTUAL BANK, fi'klaWASHINGTON MUTUAL BANK,FA Creditor: WASHINGTON MUTUAL BANK FIKJA WASHINGTON MUTUAL BANK, FASUCCESSOR BY MERGER TO BANK UNITEDProperty Address: 18291 USEPPA ROAD, FORT MYERS, FL 33912Our File No.: F06016636

_~-: #_. ,,"";''~--c." _~':r;.--;.~~~"~-_'::- _ ......(! ~....: _;_ .;--=~.:,"~~:U:;4__ _.~ .-~ ~ - 'J'lf~-'~j '!o~.:~;- ........,; -~'::- The lawfirrn 'of Echevarria, Codilis &Stawiarsk has been retained by WASHINGTON MUTUAL BAN i.< 0F1K iA ~ :': -: ,._~_,::c~~_:"'.' ~~:'c~~'.Wi:\..s.ING].~}lJ~[tJ~B.AL BAl-iK;EA :-:-SlUCCESSORliY=MERGER ~()=~~l~~L'Tm~~p':t~f-eP~~eti{~{t.~~~~~E...:~~.;~::'-~'.':-"= reliifrng tolneproInissQ;.:y::NO~'andJviortgagee{ecuted,by'LARRY R . BRADSHAW on OctoberI 6;'T9"9"8:'':'::-Pi.iTsuant:"to=th'f~-:.: - - = ~ ~ '- 'o '- ~ '"- .--, --terms of the 'promi;s~rY Note and Mortgage, our client has accelerated all sums due and owing, which means that the entireprincipal balance and all other sums recoverable under the terms of the promissory Note and Mortgage are now due andowing. As oftbe date ofthis letter, there is currently due and owing to our client $106,023.28, which includes the unpaidprincipal balance, accrued interest through today, late charges, attorney's fees and costs, and other default-related costsrecoverableunder. the terms of the.Note and Mortgage. Additional interest will accrue after the date of this letter-

AlsQ,:Q..Ufc~1i~I;\tm

Unless you notify our office within thirty (30) days after your receipt of this letter that the validity of this debt, orany portion thereof, is disputed, we will assume that the debt is valid. If you do notify us in writing within thirty (30) daysafter receipt of this letter that the debt, or any portion thereof, is disputed, we will obtain verification of the debt or a copy ofthe judgment against you, if any, and mail it to you. Also, upon your written request within thirty (30) days after yourreceipt ofthis letter, we will provide you with the name and address of the original creditor, if different from the currentcreditor. Echevarria, Codilis & Stawiarski is a debt collector. This firm is attempting to collect a debt, and any informationobtained 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 thisletter 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 fromme, 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 thejudge's instructions.Finally, if you previously received a discharge in a bankruptcy involving this loan and did not sign a reaffumationagreement, then this letter is not an attempt to collect a debt from you personally. The firm is seeking solely to foreclose thecreditor's lien on real estate and wewill not be seeking a personal money judgment against you.


22/32

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 & StawiarskiAttorneys for WASHINGTON MUTUAL BANK, 'kIaWASHINGTON MUTUAL BANK, FA

HOLLAN M FINTEL

NOTICEThis law firm is a debt collector. This firm is attempting to collect a debt, and any information obtained may beused for that purpose.


23/32

ECHEV ARRIA, CODILIS & STAWlARSKIATTORNEYS AT LAW9119 CORPORATE LAKE DRIVE3RD FLOORTAMPA, FLORIDA 33634

Please reply to:Post Office Box 25018Tampa, FL 33622-5018Telephone (813) 251-4766Telefax (813) 251-1541

September 29, 2006EILEEN J. BRADSHAW18291 USEPP A ROADFORT MYERS, FL 33912

Re: Loan No.:Mortgage Servicer: 6164361104WASHINGTON MUTUAL BANK, fJkIaWASHINGTON MUTUAL BANK,FA Creditor: WASHINGTON MUTUAL BANK FIKJA WASHINGTON MUTUAL BANK, FASUCCESSOR BYMERGER TO BANK UNITEDProperty Address: 18291 USEPPA ROAD, FORT MYERS, FL 33912Our File No.: F06016636Dear.Borrower: '_

~,~~-,- . . . ;; : "...... .. .. "Thelawfirm ofEchevarria, Codilis & Stawiarsk has been retained by WASHlNGTON .MUTUAh-BANKj~7KJAi_:.c:_~.. ~'.. = . :: ' . . . ~ .~~:;.;~~_.-~~~N1("Rk~S'actESSOR'&Y-~RGER;f,C;}1~ANKl1.1}ll~Ef5'ta":rp11~~'ll0ifg~}frrf~~(qirrsmmttothe-~--.: '-.- 'c-terms of the promissory Note and Mortgage, our client has accelerated all sums due and owing, which means that the entireprincipal balance and all other sums recoverable under the terms of the promissory Note and Mortgage are now due andowing. As of the date ofthis letter, there is currently due and owing to our client $106,023.28, which includes the unpaidprincipal 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.

. .- " '= - ; ; A I s o ; = : o u c client-'.maymakeadvanees arid incurfees.and expenses after the date of this letter which care:re'CoveFal}le::'~c;,:o::"';.".~- : ; ~ ' ;; , ; O - .= 2 5 -c i : ' :under the termsnf'the prorrtissoryNote and Mortgage. Therefore, ifyou wish to receive figures toreinstate (b img ' Y 0 1 r r - I o a n " . ~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, orany portion thereof, is disputed, wewill assume that the debt is valid. If you do notify us in writing within thirty (30) daysafter receipt of this letter that the debt, or any portion thereof, is disputed, we will obtain verification of the debt or a copy ofthe judgment against you, if any, and mail it to you. Also, upon your written request within thirty (30) days after yourreceipt of this letter, we will provide you with the name and address of the original creditor, if different from the currentcreditor. Echevarria, Codilis & Stawiarski is a debt collector. This firm is attempting to collect a debt, and any informationobtained 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 thisletter 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 fromme, 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 thejudge's instructions.Finally, if you previously received a discharge in a bankruptcy involving this loan and did not sign a reaffirmationagreement, then this letter is not an attempt to collect a debt from you personally. The firm is seeking solely to foreclose thecreditor's lien on real estate and wewill not be seeking a personal money judgment against you.


24/32

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 & StawiarskiAttorneys for WASHINGTON MUTUAL BANK, 'kJaWASHINGTON MUTUAL BANK, FA

HOLLAN M FINTEL

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

_ . ., _ . . , . .. 0.:",. ,- " .._-c~>::;:- .c- rzs.: ':::"~~:~.


25/32

r r a O l 1 l f i r ! n r a ; I I I B B I a m I III IUli e ~ll!i I f D a l. /

WBEN RECDRDEDMAIL 1D: /

World Wide Credit Corporation I089 Clairemont Mesa Blvd. #200San Diego, CA 92123

INSTR # 4771821OR BK 03198 PG 0725R E C O R ! J D 12/10 /99 1 2 : 0 1 P M~ru S R E E N C L E RK ( 1 " C O U R TLEE!IDm'R E C O R D I N S FEE 28.50D O C T A X P D ( F . S . 2 0 1 . O B l 1 2 2 . 5 0I N T . T A X P D ( F . S . I 9 9 l 7 0 . 0 0D E P U T Y Q ER K S Ro~to.cl~5()~1;j;J. .g; btrc-'l~.t ) : : z ; , r :

This instrument was prepared by: R. FlDRES-WORlD WIDE CREDIT CDRPDBA IDRIJ) WIDE FUNDIN3 CORP

SD-497995 ., MORTGAGE. . THIS MORTGAGE is made (his 19th ._ ~y of _ .November f 1999.- - " r . . a T I y .R. BradSfuw and'E:ileen J. Bradshaw, husband and wife ....between me i'0i:u::!gagor _"O! :~

, whose address is l8291 Useppa Road, Fort Myers, FL 33912(herein "Borrower"), and the Mortgagee, World Wide Credit Corp. dba World Wide FundingCorp., a caIlfornia corporation . a corporation organized and..existing under the laws of CALIFORNIA , whoseaddress is9089 Clairerront Mesa Blvd. #200, San Diego, CA 92123 . (herein "Lender").WHEREAS, Bonower is i ndeb te d to Lender in the prin cipa l sum of U. S. $ 35 000 ..00 ~.-- - -'- -- ~~u:wliicb--.~~---~. . _

-r - iJJ.~b~e&sAs mdep,c~tby BOITQwex:!:sote 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 " o t s o o n e r ' p a i d : - - - - - - . . _ - -due and payable on Noveniber 24, 2024TO SECURE to Lender the repayment of the indebtedness evidenced by the Note, with interest thereon; the payment of all othersums, with interest thereon, advanced in accordance herewith to protect me security of this Mortgage; and the performance of thecovenants and agreements of Borrower herein contained, Borrower does hereby mortgage, grant and convey to Lender the followingdescribed 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 3810Amended 5/93

Page' of 6 ",Doc (TM) by Delphi Information S c " " , , , , , . Corp. DE21P-1.0P97


26/32

- - - -~.

oa BK 03198 PG0726

TOGETIffiR with all the improvements now or hereafter erected on the property, and all easements, rights, appurtenancesand 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 i f this Mortgage is on a leasehold) are hereinafter referred to as the "Property".

Borrower covenants thatBorrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant andconvey the Property, and that the Property is unincumbered, except for encumbrances of record. Borrower covenants that Borrowerwarrants 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 Lenderon 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~_.:wh ich m ay attainpriority over this Mortgage, and ground rents on the Property, if any r plus one-twelfth of 'yearly prem ium __ -- -- - - -- --_ installments for hazard.insurance, ..plus one-twelfth of-y early prem ium lDstallment.y-foJ-mortgage insura nc e;!! any~"al l' a s - r e a s O i f a D l y " ~ - 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!llhat-Borrower makes "s


27/32

ORBK 03198 PG 07T!

5. Hazard Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insuredagainst loss by fire, hazards included within the term "extended coverage", and such other hazards as Lender may require and in suchamounts 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 suchapproval shall not be unreasonably withheld. A U insurance policies and renewals thereof shall be in a form acceptable to Lender andsball include a standard mortgage clause in favor of and in a form acceptable to Lender. Lender shall have the right to hold the policiesand renewals thereof, subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has priorityover this Mortgage.In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of lossif 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 ismailed by Lender toBorrower that the insurance carr ier offers to settle a claim for insurance benefits, Lenderis authorized to collectand 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'-alanned .." - -- . __ - .:- .--~~ dev~jD~enf, BgiroWeT s~ p-er!2ftfial[llf !tQ.rtcj;~i:~.


28/32

OR BK 03198 PG0728

11. Successors and Assigns Bound; Joint and Several Liability; Co-signers. The covenants and agreements hereincontained shall bind, and the rights hereunder shall inure to, the respective successors and assigns of Lender and Borrower, subjectto the provisions of paragraph 16 hereof. AD covenants and agreements of Borrower shall be joint and several. Any Borrower whoco-signs this Mortgage, but does not eXCOItethe Note, (a) is co-signing this Mortgage only to grant and convey that Borrower's interestin 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 withregard In the terms of this Mortgage or the Note, without that Borrower's consent and without releasing that Borrower or modifyingthis 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 Borrowerprovided for in this Mortgage shall be given by delivering it or by mailing such notice bycertified mail addressed to Borrower at theProperty Address or at such other address as Borrower may designate by notice to Lender as provided herein, and (b) any notice toLender shallbe given by certified mail to Lender's address stated herein or to such other address as Lender may designate by noticeto 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 state aijiIJo~~i - t a w s ' appniiI~-tir'fuisMongage;b~ir~:ihela~s~~tilie~:I~~i~.i1on':=~~~~~~'~ ~'"-~- 'i::;:-~~'p!.~h!ie-Pl~nxcis 1~, #'TIi~J2{e.&P-.i!!g~..ce s}l;g~not~~iLthk]:P2!i.~biJity , - o J -FederallawciOihis Mortgage .~1n- tlfEe:Ve~t.:-'~~::'::~~::~"':~~_~_

- .. 0 'C"or-- t1Iiu any pro\risiPJfbr clause ~ofthis 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 orother loan -agreement which Borrower enters into willi Lender. Lender, at Lende( s_:Op.QQ!l:Ll!layequire, 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 or'servftesm: c6fine~tion ',yitli.@pri5ye r n e .nts ~(f~Jlie;~.Q~t;.rty ,.~~:~~-~.=-.~,~-.;;o:::-c~- :: 'C:~.i_;.~':;;':O16:.~1'r~f~.(>rcthePFOperty~ONIBen!!~'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 notless 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 Mortgagewithout 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 covenantor 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, bywhich such breach must be cured; and (4) that failure to cure such breach on or before the date specified in the notice mayresult in acceleration of the sums secured by this Mortgage, foreclosure by judicial proceeding, and sale of the Property. Thenotice shall further- inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosureproceeding the nonexistence of a default or any other defense of Borrower to acceleration and foreclosure. If the breach is Dotcured on or before the date specified in the notice, Lender, at Lender's option, may declare all of the sums secured by thisMortgage 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, courtcosts, and costs of documentary evidence, abstracts and title reports.

L.3..o.x (fM) byDelphi Intomr.tion Scien"". Corp. DE211M.OP97~bForm 3810Page 4 of 6


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ml me:03198 PG0729

18. Borrower's Right to Reinstate. Notwithstanding Lender's acceleration of the sums secured by this Mortgage due toBorrower's breach, Borrower shall have the right to have any proceedings begun by Lender to enforce this Mortgage discontinuedat any time prior to entry of ajudgment enforcing this Mortgage if: (a) Borrower pays Lender all sums which would be then due underthis Mortgage and the Note had no acceleration occurred; (b) Borrower cures all breacbes of any other covenants or agreements ofBorrower contained in this Mortgage; (c) Borrower pays all reasonable expenses incurred by Lender in enforcing the covenants andagreements 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 reasonablyrequire to assure that the lien of this Mortgage, Lender's interest in the Property and Borrower's Obligation to pay the sums securedby this Mortgage shall continue unimpaired. Upon such payment and cure by Borrower, this Mortgage an d the obligations securedhereby 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 Lenderthe rents of the Property, provided that Borrower shall, prior to acceleration under paragraph 17 hereof or abandonment of theProperty, 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~haveo,R~iye~ __ ~_: .::,.-:==~.~~~,-~_.'c..= apjlOiIlted-;b.ya court-to enter-upon; take possession:-Ofand}fiaDag"G'tlie':PopertyiU!1rO'collecf tlie'rents'af the Property-including th'Ose__~_ ~ _ - =-._~.,_ ; : : :~ ~ ~ ,~ ~ := .~ ~ :~ f4 ifi'~ ~ ~ ~ ~ ~ )~ ~ ~ : :~ ~ ; ': ;~ ~ ; ;~ ;~~~~;~.. __~bY;!l!lU1:-oJlA.agc..~e- ~.~bj(e{.sbalL:bfl'4!abJe:;t9~C.!llJ!!!,:OnlY;f6~':"tpOSJien\S-:;-ac_tu.al ly::r;x~u;~(J . ,""'"- -"''''-:~'~ r ~-.-.;.~ _ ::..~,... .,_ ;~~~~~{~~~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 usedinthisMortgage and intheNote, "attorneys' fe e s" shall include attorneys' fees, if any, whichmay be awarded by an appellate conn. -'

I i I X H I S I T A

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

Perman.n~ Parool Numb~rl 15.46-~5-l0.0a134-0CSOLa:rry R. Brlldllhaw an d E il een J. Bncieha'ol (HuliJblnd ilmc l\lifel1649l Ueepp~ ROBd, Fare Myer. ~L 33913Loan R-fereno e ~umber ! 720875F irat American Order No: t7112li

REQUEST FOR NOTICE OF DEFAULT____________ AND FORECWSURE UNDER SUPERlORMORTGAGESORDEEDSOFTRUST ----------------------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 thesuperior encumbrance and of any sale or other foreclosure action.

La.etOoc (I'M) by De lp hi In rorm BU OfI Scir",c&s Corp . DE21N.0997 ~ ~~rm3B10Page 5 of 6


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OR OK 03198 SO-497995PG0730

IN WITNESS WHEREOF, Borrower has executed this Mortgage.NOTICE TO BORROWERDo not sign this Mortgage if it contains blank spaces. All spaces should be completed before you sign.

S ig n ed , s ea le d a n d d el iv e re d in the presence of:

''"~ f,P-c:ilJ~ 6.?~~~ (&al)Larry. . Brads~ -Borrower18291 Useppa Road, Fort Myers, FL 33912

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

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

(Seal)-Borrower

_________________ (Seal)-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)0VE (718E It I 9 9 r ; by~!}R.fCi IQ. t?JAflD3l/lIk.J a t EEII--EE.'{) .r. Bf(i}DSN/I{U

who is personally known to me or who has produced F . .. . - D IG I U :IJ . 5; ,.(/tU IV ~~entification.

LE E K F lO WE R s~=g)~ My C o m " , Up . 9{2J2oQ]No. CC6Mi36

.Ollf"--oly ~ Yother Ill. Form 3810Page 6 of 6l "' V O C (TM ) b y D s ip hi In fo -m a ti on S cie n oB ' C---";';"':';:~=.!:.=.:!:.J


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III

NOTEFlorida 098-0063663-703THE STATE DOCUMENTARY TAX DUE ON THIS NOTE HAS BEEN PAID AND THE PROPER STAMPS HAVEBEEN 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 t ho end of th is Note, and the person's successo rs and aas igns. "Lender" meansIrwin M o rt g? ge c or po ra ti onand i ts ~1I=""n;and assigns.2. BORRPWER'S PROMISE TO PAY; INTEREST

In return for a 108J1 r ece ived f rom Lender. Borrower pro .!!'iI!CS10 pay the principal S,UIll of one Hundred Tw.el yeTf,ousand-Jiiine Hundred Th i!: t y F iv ", and 00/190-._., ",. ; " " , . . ,, - " " " . , , ,, , , o . '' ; ' ', , , , _ ~ ; C ~ " c~~ ,- '-,", ',e:,,,,,~:;,:~.,,~", ,-OO1laW(U:S.- S 112,935.00 J, plus inlerest;to ' i n e order tilTilider. Interesiwill bC-Ciulrged on unpaid prinCipa~'~f rom the dare (Of disburs ement of the loan proceeds by Lender, at t he rate of Seven and One -Quarterpercent ( 7.250 ' )1 .)per yea r unt il the fu ll amount of princ ipal has been paid.~. l'ROMISE TO PAY SECURED

Borrower's p romise to pay is secured by a mortgage, deed of trust or similar security in strument thai i s dat ed the same dat eas this Nol e and cal led the "Securit y Inst rument." The Securit y Instrument p rot ects t he Lender from 10""" which might resul t ifBorrower defaul ts under Ib is Note,4. MANJIIEROf FAYMENT

(1\) TimeBorrower shal l make a payment o f p ri ncipal lIJId interest to Lender on the first day of each month beginning on

December 1 , 19'98 . Any principal and interest r emaining on the first day of November2028 , wi ll he due on that dale. which is call ed the "Maturity Date."(m P10ce

Payment shall he made al 9265 Counselor's Row, Indianapolis, IN 46240or H I such place as Lender may des igna te in wri ting

hy notice 10Borrower.(C) Amoun!

Each monthly paymen t of prin cip al and interest will be in the amount of U.S. $ 770.42 . Thisamount wil l be part of a larger monthly payment required by tbe Security Instrument , that shal l be appl ied 10 principal. interestand other items in tbe order describ ed in the Security Instrument,

(D) Anonge 10 this Note for P l'ymenl adjus tmentsIf an al longe providing for payment adjustmen ts is executed by Borrower togethe r with this Note, the covenants of

the all onge shall be incorporat ed intn and ~hall amend and supplement the covenan of this Note a. if the allonge were a pan of.hi s Nore . [Check applicable box]

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

FHA FI nr irIA fue d Rat e No t e - 10m~ -1R{FLI en.ez~ \fMP .. OR rGAGEFOllMS C80CM21 7291 A(,':'PIIIIII'of2 tnlf{"\.:~)4879301


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6. RORROWER'S FAILURE TO PAY(A) Late Charge fnr OvenlueI'DymenlB.'"If Lend~rh~:noL~vahhe fu ll monthly paYme;.t'~ili~ bY'th~Sd:tI~i'ty histtumdit:c;;,; described in ParHgfaph. . """-.-~

. -:~' :"':8 _1.c~),pJtjj5 ~[.'tli~.J!J,~.~~t:l:.~iJlff iftet:~.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 aniotln t 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 :-~"ofhesecre~~uy~inhe caseQf.p~.en~~defHU!rni~u~reJ~~~~.:pa~ent in fu!r0f enSe5If Lender has required immediate payment in fu ll , as descr ibed 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 at the same rate as the principal of this Nore.

5. HORROWF.R'S RIGIn TO PREPAYBorrower ha g 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 forIhe remainder of th e month to the extent required by Lender and permitted by regulations of the Secretary. I f Borrower makes apartial prepayment, there will he no changes in the due dale or in the amount of the monlhly payment unless Lender agrees inwriting to those chang es,

7. W'(i"VERS -:=o~=..;,.,~::-_C7" .,.".:- ._ .. _-- - .- . --BOrrower and any ot her 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 theright to require Lender 10 give notice to other persons that amount, due have not been paid,R . G IV IN G OF NOTICES

Unless appl icable law requires a dif ferent method, Illy notice that must be given to Borrower under this Note will be givenby delivering iI or by mailing it by first class mail to Borrower 31 the property address above or 31 a different address iFBorrower ha s given Lender a notice of Borrower's different address.

Any notice Ihal must be given to Lender under Ihls Note will be given by first class mail to Lender ar the addre .. stated inParagraph 4(H) or at " different address if Borrower is given. notice of that different address.9. OBLJGA nONS OF PERSONS UNDER THIS NOTEIf more than one person signs this Note. each perscn is ful ly and personally obligated 10 keep all of the promises made inthis Note, including the promi se to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Nnte isalso obligated to do these things. Any person who takes over these obliga tions, including the obligations of a guarantor, surelyor endorser of this Note, is also obligated 10 keep all of the promises made in this Note. Lender may enforce its rights under thisNote against each person individually or against .11 signa tories together , Anyone person signing this Note may he required topay .11 nf the Rmounts owed under Ihis Note.

BY SIGNING BELOW. Borrower accepts and agrees to the te rm s and covenants contained in this N ot e .

- -, - f . > .. J " ' f -- < . E . . l ' .. Y '~ < k l - " " c l : : J . . r\ l o . ! C u . & . l J , y "" " " , o . " , J . , -, t , , - . ( . : . t . ! ., r (Seal)Eileen J.l l 3 I r a d s h a w ~J\t'ITrnWer_________________ (Seal)

-Rf!rm t\'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>-,. .< . . . . .~p'j' .. " .:~:t;~\l'P,VICErRESIDEI'IT

~.'RrR.119M)".02

. J -

part 2 respondent's response to mandamus

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