[Date] To: Attorney/Trustees Name [Name of Law Firm/Trustee Com any [NAM# $F C#$ $F T%# &#'()C#'] [&#'()C#'& NAM#]

[&#'()C#'& ADD'#&&] [C)T*+ &TAT#+ ,)- C$D#] [NAM# $F C#$ $F -.'-$'T# L#ND#'] [L#ND#'& NAM#] [L#ND#'& ADD'#&&] [C)T*+ &TAT#+ ,)- C$D#] [%$M#$/N#'& NAM#] '#: (alidation of De"t/Affida0it of Noti1e of Dis1re an1y AFF)DA()T $F N$T)C# $F D)&C'#-ANC* To /2om )t May Con1ern: T2is Noti1e of Dis1re an1y is "ein3 sent to you "e1ause t2ere is e0iden1e t2at your 1laim is in fa1t false4 /e are in ossession of a 1o y of do1umentation s2owin3 5[%$M#$/N#'& is in fa1t t2e ri32tful owner of t2e ro erty 5-roof "y -aid Note/Full 'e1on0eyan1e6 5see atta12ed6 T2is is a demand for a 1ease and desist of any and all fore1losure ro1eedin3 immediately if t2ere are any endin3+ and to 0alidation/0erify t2e ur orted de"t4 T2e a"o0e7named 2omeowner5s6 2as 2ired us to assist t2em in resol0in3 t2eir dis1re an1y wit2 5___________________6+ w2o 1laims to "e owed money "y t2em for a loan in t2e amount of _____________________+ 3i0en to t2em on ______________+ for t2e ur12ase of t2eir ro erty lo1ated at ___________________________4 T2ere is no e0iden1e t2at [NAM# $F &#'()C)N8 #NT)T*] is entitled to "e named t2e "enefi1iary under t2is de"t4 T2e ori3inal lender under t2e Deed of Trust/Mort3a3e is t2e real arty of interest or t2e 2older in due 1ourse of t2e ne3otia"le instrument4 -lease "e ad0ised t2at t2is letter is our formal dis ute in t2is matter as well as our formal re9uest for t2e information re9uested "elow: w2i12 will ro0ide us 1larity on t2e ur orted loan wit2 ________________________4 *ou s2ould understand t2at t2is is NOT a re9uest for a ;/'+ t2is is a re9uest for 0alidation/0erifi1ation and an Affida0it of Noti1e of Dis1re an1ies t2at t2ere was e0er an a3reement/1ontra1t "etween you and/or t2e arty t2at you 1laim to re resent+ and t2e 2omeowner4 -lease "e ad0ised t2at YOUR CLAIM IS NOW DISPUTED+ and we e! e1t you to a1t in 3ood fait2+ a"idin3 "y t2e Fair De"t Colle1tion -ra1ti1es A1t and Fair De"t Credit 'e ortin3 a1t+ "y ost onin3 and/or 1an1ellin3 any and all s12edules sales on t2e ro erty until t2is dis1re an1y is resol0ed wit2out re1ourse4 Certified Mail# ______________________ Fa! Num"er: ________________________ Certified Mail#_______________________ Fa! Num"er: ________________________

Certified Mail#_______________________ Fa! Num"er: ________________________

-lease ro0ide us wit2 a 1o y of 1ontra1t/a3reement 5loan do1uments6+ "earin3 t2e wet in< si3nature of "ot2 t2e "orrower and t2e ur orted lender+ as ) am sure t2at you are aware t2at t2is is re9uired in order to 2a0e a "indin3 enfor1ea"le a3reement as t2is would s2ow a meetin3 of t2e minds 5-lease ma<e t2is do1ument a0aila"le for 0iewin3 wit2in twenty7mile 5=>6 miles of t2e 2omeowners residen1e6 durin3 normal "usiness 2ours4 A 1o y of t2e 1an1elled 12e1< wit2 t2e 2omeowners endorsement+ "an< stam 5s6 indi1atin3 t2at it was re1ei0ed+ and 1as2ed "y t2e 2omeowner from t2e ur orted lender+ and/or a 1o y of t2e wire transfer in t2e amount of [?__________] from t2e ur orted lender "ein3 de osited into t2e 2omeowner "an< a11ount at t2e time of t2e ur orted transa1tion4 All res onses s2ould "e in t2e form of an affida0it from an aut2ori@ed offi1er and/or indi0idual 2a0in3 first2and <nowled3e of t2e arti1ulars of t2e transa1tion4 Anyt2in3 ot2er t2an an affida0it will not "e an a11e ta"le res onse4 )t is our understandin3 t2at all ayments in1ludin3 rin1i al+ interest+ and es1row 3at2ered on are around [DAT# $F D##D] until t2e resent were in fa1t 1olle1ted under false retense+ and misinformation: meanin3 at "est t2is was a 1leri1al error A $' at worst a willful a1t to 1ommit a 1rime of fraud "y misleadin3 t2e 2omeowner into "elie0in3 an $BL)8AT)$N/D.T* to ay a D#BT w2i12 in fa1t t2e D#BT was already satisfied4 As t2e 1urrent Trustee you 2a0e a fidu1iary/le3al res onsi"ility to 0erify t2e fa1ts and resol0e t2is matter+ and as su12 it is our intent to resol0e t2is matter wit2out any furt2er liti3ation wit2 you4 T2erefore we are formally la1in3 you+ and all t2at you 1laim to re resent on N$T)C# of our intent to resol0e t2is matter ri0ately wit2out ta<in3 a1tion "y a &uit in Law in t2e .& Distri1t Court A Distri1t of [&tate /2ere -ro erty )s Lo1ated %ere]+ filin3 L)#N&+ and/or filin3 1riminal 12ar3es of Fraud "y Misre resentation4 ) am re9uestin3 t2at you 0erify and <now for a fa1t w2o t2e real arty of interest for t2is de"t or will t2e 2omeowner will "e namin3 you ersonally in a 1i0il a1tion for 1ons ira1y to 1ommit fraud+ and ra1<eteerin3 a3ainst t2e a"o0e7named 2omeowner4 -lease "e ad0ised t2at failure to ro0ide all t2e re9uested do1umentation to 0erify t2e e!isten1e of an a1tual a3reement "etween t2e arties wit2in twenty7one 5=C6 days+ and anyt2in3 less t2an an affida0it si3ned "y aut2ori@ed offi1er and/or indi0idual 2a0in3 first2and <nowled3e of t2e transa1tion . on failure and/or refusal of 1olle1tor to 0alidate/0erify t2is 1olle1tion a1tion+ 1olle1tor a3rees to wai0e all 1laims a3ainst t2e de"tor named 2erein and ay de"tor for all 1ost and attorney fees in0ol0ed in defendin3 t2is 1olle1tion a1tion4 )f you 1annot su"stanti0ely answer wit2in =C days ro0e t2e e!isten1e of t2e de"t wit2 you or anyone t2at you 1laim to re resent+ your aut2ority+ any 1ontra1tual o"li3ation "etween you+ and t2e 2omeowner+ t2en 1ease+ and desist and immediately remo0e any dero3atory re ortin3 to t2e 1redit "ureaus+ as well as all ille3al+ and fraudulent fore1losure ro1eedin3s4 As a t2ird arty aut2ori@ed to 1ommuni1ate on "e2alf of t2e 2omeowner we furt2er re9uire a res onse wit2in =C days from [Trustees Name] t2at you 2a0e re1used yourself from t2is fore1losure a1tion4 )f no res onse from [Trustees Name] 2as "een re1ei0ed wit2in =C days t2en t2is letter will ser0e as an admission t2at t2e Noti1e of Default was done in error+ and you a3ree to res1ind t2e noti1e4 *ou also a3ree to ro0ide t2e 2omeowner wit2 a: C 7 /ritten 1orres onden1e t2at all attem ts to 1olle1t t2ese erroneous or ossi"le

fraudulent mort3a3e ayments are sto ed effe1ti0e immediately wit2out re1ourse4 4 = 7 F.LL '#F.ND of all ayments 1olle1ted after t2e date of satisfa1tion of Mort3a3e wit2in CD days -lease ensure t2at all res onses are from an indi0idual 2a0in3 first2and information+ and t2at t2e res onse 1ontains a name+ title+ 1onta1t 2one+ and fa! num"er as if we 2a0e any furt2er 9uestion and or re9uest we need to "e a"le to s ea< wit2 a 1om etent indi0idual wit2 s e1ifi1 <nowled3e of t2e transa1tion4 &2ould you de1ide not to 1ure+ your re"uttal to our roof of 1laim is now demanded "y ro0idin3 a le3al "indin3 1ontra1t wit2 0erifia"le 0alidation from an offi1er/ erson wit2 first2and <nowled3e of t2e transa1tion or someone w2o 2as t2e aut2ority to si3n an affida0it on "e2alf of t2e lender 5t2is s2ould "e 0alidated "y a -ower of Attorney6: C A T2ere was F.LL dis1losure at t2e time of si3nin3 = A (alua"le 1onsideration was in fa1t e!12an3ed e0iden1ed "y a finan1e statement in your name to an a11ount in your name to t2e a11ount of [%$M#$/N#'& NAM# %#'#] E A -roof t2at [%$M#$/N#'& NAM#] alle3e D#BT is 1ausin3 ersonal inFury+ 2arm and/or Dama3e4 A RESPONSE IS REQUIRED: Failure to re"ut in affida0it form is your silent ta1it a3reement a19uies1in3 t2at you will settle t2e 3rie0ous error and/or Fraud "y Misre resentation a11ordin3 to t2e terms stated 2erein4 At t2is time+ we 2a0e in1urred ersonal dama3es "y ma<in3 ayments for a false o"li3ation: t2erefore s2ould you 1ontinue to a1t wit2out 0erifia"le 0alidated roof of 1laim A your a1tions will 1ause additional and now willful ersonal inFury+ 2arm and/or dama3e to [%$M#$/N#'& NAM#] as t2e ro erty owner4 )f t2ere is a endin3 sale date on t2is ro erty we a3ain e! e1t you to a1t in 3ood fait2 and ad0ise t2e trustee of t2is dis1re an1y+ and as t2at t2ey immediately 1ease+ and desist any fore1losure sale until furt2er written notifi1ation4 Be aware t2at sendin3 unsu"stantiated demand for ayments t2rou32 t2e .nited &tates Mail &ystem mi32t 1onstitute mail fraud under federal+ and state law4 *ou may wis2 to 1onsult a 1om etent le3al ad0isor "efore your ne!t 1ommuni1ation wit2 us and/or t2e 2omeowner4 -lease note t2at t2is is also your formal notifi1ation t2at effe1ti0e immediately t2at you understand and a3ree to t2at any and all 1alls made to our offi1e and/or to t2e 2omeowner may "e re1orded4 *ou s2ould <now t2at a 1o y of t2is do1ument+ and all ot2er 1orres onden1e will "e re1orded in t2e 1ounty re1orders offi1e w2ere t2e ro erty is lo1ated as a matter of re1ord4 T2an< you for your 1oo eration+ and rom t attention to t2is matter4 Done under ne1essity A on t2is ___ day of _____+ _____ All ri32ts reser0ed wit2out reFudi1e

'estri1ted Auto3ra 2 _________________________________ [%omeowners Name] in -ro ria -ersona+ 8rantor+ -ro erty $wner -ro erty Address

City+ &tate+ [,i ] &TAT# $F: ________________6 6 ss: C$.NT* $F: ______________6 &u"s1ri"ed and sworn to 5or affirmed6 "efore me ______________________+ a notary in and for t2e state of _____ on t2is ____ day of ___________+ _____________"y____________________
-ro0ed to me on t2e "asis of satisfa1tory e0iden1e to "e t2e erson5s6 w2o a eared "efore me4

5&#AL6 _____________________________ Notary &i3nature My Commission #! : ___________