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IN THE DISTRICT COURT OF THE FOURTHJUDICIAL DISTRICT

OF THE STATE OF NEVADA, IN AND F'ORTHE COUNTY OF DLKO

ERRENCEALAGGIA,

Plaintifi,

ELLSFARGOBANK.NA. ACHOVIAMORTGACE, ATIONAL DEFAULT ERVICINGCORPAND LACK CORPORATION,RED ORPORATION,BLUE ORPORATTON,WHITE

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15 ORPORATION.AND DOESI-V.

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l)afendants.

GENERAL ALLEGATIONS

L That at all timesmatcrialhereto,PlaintilT (hereinafler "Alaggia") $'asa

20 esidentofthe StateofNevada,

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2. On informationandbelief Defbndant,Wells!'argo Bank,NA (hereinaller

22 Fargo")is aCorporationlicensedto dobusinessin theStaleofNcvadaanddoing

23 sinessin theStateofNevada.

24

3. On informationandbcliefDefendant,WachoviaMortga-se.FSB

25 hereinafter"Wachovia')isaComorationlicensedtodobusinessintheStateofNevada

26 d doingbusinessin theStateofNevada.

2'/

28 hereinaller"NDSC') is a Coroorationlicensedto do businessin the StaleofNevada and

4. On informationandbeliefDefendant,NationalDefaultServicingCorp,

DAVID t}. LOREMAN.ESO.

(r4)rr&6@6<' r^x ont{{fr

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t lhring. hu'in.".sir tlreStateot Nevadr.

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, ll 5. UnlessotherwiscdesignatedtheCorporationsideDtiliedin paragraphs2

: a shail becollectivelyhereinafterbe "llank".

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6. Alcggia hasdesignatedllctitiousDefendantsBlack Corporation.I{cd

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8 whomafbeliablctothernforthedanragesollcgedhercir.Accordingly.Alaggia

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lFlorporation. BlueCorpomtion,WhiteCorporation.andDoesI-V, becauseAlaggiaare

ol thctrucnaturcor lbrrnol'businesso1'Bank.l"urlhcr,Alaggiaisinfounedand

lliSnorant thatthcremaybeothorpcrsonsorenliticsofwh(rnheisnota$arcattheprcsent

lPclioves

lfime seeklcavctoancndthisConrplainttonamcsuchpcrsonsore tillcsatsuchtirnethlrt

llvill

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shouldbeconrcknown,whiclran)endrncnlshdllrelateh?rcktotheoriginaldatcol thc

ol thisComnlaint.

lllilirte

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lf cntemher2li.20t0. (Atlachedl-lxhibit "A'')

7. Noticeol'DelbultandtilcctiorttoSellwaslilcdbyllankonoraboul

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Noticeol Salcol 'frustcc's

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SrlcwastileclonorahoulJulv8.2011lbrthc

ll onAugust3.201I atthchourof I I:00arn. (Altachcd lrlxhibil"Il')

lfalc

9. OnoraboutAugust16-20lll]alrkscDtalcttcrtoPlaintill\\hichslltcdas

Ple{senotcthatdurinsourrevicwol'r,oursituation.wc

suspcndcrlthc lolr.'clo--sure process. l he lbrcclosurc process

irlirlnsllhc nropcrly r\ill nowrtsrrrnt.

lixhibit"C")

OnoraboutJulyl3.20llBan[scntilctterbPlzrintift whichsr:rrcdlhri:

nt' lirreclosurcsulcwill beconductcdand you will Jrotlosc

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l[Auached

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ll )1'rrr hrttlredrrnrrglhcIIAMPcvnluali(\n. -

21 l|[Arlached

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F-xhibir ''D")

NosalctookplacconAugust3.201iandrvasinstcadperlirmrcdonor

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l[rbout Septcmber20.201l. (AttachedFjxhibit "l]")
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28 astothetimcofthe saleonthisdatc.

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NonoticeofsalewasissuedlbrSeptember20,201l. l)laintiffhasno

lfnlbrnation tl

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D^1il3,,PJ?,SF,!l$Sr"{so

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undertheDeedof 'liust isGoldenWestSavingsAssociationScniceCo- l[liustec l[Attached F]xhibit "F")

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Ihebeneficiaryunderthl.Dcedof IrustisWorldSavingsBank.|SB. fhe

4 to

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A SubstitutionofTrusteewassignedonoraboutOctober19,2010and

5 lf ledonJune6,201I byBankrepresentingthatitwasthenewBeneficiarytotheDeedo1'

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NosubstitutionofBencl'iciaryexis(stoPlaintiffskno$'ledgc.

FIRSTCAUSEOFACTION

Alaggiare-allegcsandincomoratesthcallegationscontainedin Paragraphs

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llankviolatedNRS598D.010ct.scq.

PursuanttoNRS598D.110,Alaggiaisentitlodtotrebledamagesandhis

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lfi:osts andattorneysl'eesasdemonslratedal tirneoftrial.

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sECoNp cAUsE oF AcTtoN

ntrggi","-utt"ga",rru.lincorporatcsthcallcgatiql$conlaincdin I'aragraphs

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llt,t,nu,*trtr u;it]ti,llusctlunhhcrcin.

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Bankhasconductcdasaleinviolationo1'107.080et.seq.

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Alaggiasecksaninjunctioninthccnforcernenlol theTrustoe'sl)cedljpor

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AlnggiirseckstheCourtlbr anordersettingasidcsaidDeedasit is in

ll llviolation olNcvadaStateLawandvoid.

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tHrRD ('AU'E oFACrr,N

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26 ll ,O Detbndantscommittedacl.ualfraudby makingnraterialrepresentations,

27 lfrvhich rverethlse,knowing thatsuchmatcrialrepresentationsrverefalseand/orrvith

28 lfcckless disrcsardto thetntth or falsity ofsuch matedalrcprescntations.wirh the intcnt

21.

Alaegia rcstutcsuDdre-allcgesall paragraphsaboverrndir additionsl.rtcs

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"r r"tior,-t'ri.'tor",

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DA\ ID D. LORE},IA\.!SO,

"' 'frxil\'"*,;lilJ"'

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at Plaintiffrel) on suchmalerialrepresentatiolrs,Alaggia acledin actualandjustifiable

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jance on suchm?rterialrepresentationsandvas injurcdasa rcsult.

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tn addition,andin thealtcmativeifnccessary.Bank kno$'ingly omitted

erialinlbnnation.whichomissionconstitutcsa positive misrcDtescntationof matcrial

ct. lvifi the intentthatAlaggiarely on Bank's representationsandwas inirred asa

It,

26. llank committcdconstructivcliaud by breachit]goneor morc legalor

:quirdhl(duriLiowcdlo AlaggiurclJlingtu lhcissuci

thi:'lawsuit-iuid hrc.relr{'r

chcsconstitutingliaud becauscol'thcir propensiryto dqceivoothorsol constitutcan

njurytopublicintercstsorpublicpolicy.

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27.

Alaggiarestatesandreallegesall plragraphsilbovcarrdiu itdrlitionstalcs

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ltc$ assct lb.th below-

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28.

Ildnlimisrcprcscntcdto Alaggiaand/orliaudulcrrtly.intcntionallyand/or

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rclrligontlyconocolodlnatcrirl inli)ruralion.

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29.

llank lnademisrepresentationsandactivclyconccalcdadvcrscinlbnnation

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a timc *lrcn the Bank knew.or shouldhaveknow thatsuchinlbrrnationu.asl.rlsc.

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30.

lhe misrcprcscntationsol'and/oractivcconccalnrcntallcged\nerc

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erl)ctuateddirectlyand/orindircctlyby Bank.

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Bank lcncu'or shouldhavaknownthatthesercprcscntations 'fverc lalseand

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adcthqrcprescntationswith theintentor purposcthotAlaggiarvouldrelyon thenl.

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32.

At thctimcofBank'sftaudulcntrnisreprescntati(nrs,Alzrggiarvasunarvare

24

l'thcI'alsityofthcstatcmentsbeingmadeandbcliavcdthemtobetruc.Alaggiahaclno

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owledgeol'theintbrmalionconcealcdand/orsupprcssedby llank.

26

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Alaggia.justifiablyreliedonand/orwasinducedbythcrnisreprescntations

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or activeconcealmentandreliedon theabsenceof informationwhich Balll(did

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uppress-concealor failedto discloseto Alaggia'sdetrimant.

ItA\'tD D. LORDIUAN.!tSQ.

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3.1.

Asadirectandproximateresultofrheliaudulenractsandomissions.

andmisrcprescntationofBank,Alaggiasulferedinjuriesanddamages. 2 lfupprcssion

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EIF'ITI!4-USE!F -lBaAiFoTe

ACTION

on'ra D

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Alaggiart:statesandre-allegesall paragraphsaboveandin additionstares

6 assot lbrth below,

lfrattc$

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u llliautlult'ntly produceddocUrncntsfbrrhcsaleol'thepropedyownedby Alaggia. tl

36. Bascdon inlbrmationandbelief.AlaggiasubrnitstharBrnk hrs submifed

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37.

l heconditionsoutlinedby tllc Dcedol'1 r.ustcorcrcdinto by Alaggiawcre

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lbllowedandllank arcnottheprop€rpartiasto issucnoticcol'dcl'aultandelectionto

lbllowedandllank arcnottheprop€rpartiasto issucnoticcol'dcl'aultandelectionto
lbllowedandllank arcnottheprop€rpartiasto issucnoticcol'dcl'aultandelectionto

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lfot

ll docurnents. lFe

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38.

Bankl'ailcdtopropcrlylblkrrvproceduresunderNcvadaLarvandindoing

li lfo breachcdthc grccorcntrl.ldeby Alaggialviththcoriginalparticsandrcalparriesirl

la Intcrcst.

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39.

Bankprcsontlyisinvolvcdinnumeroussuitsrcgardingthcinrpropcr

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ll l6 lfontract practicesandmaybcsubiecttosubstantiallinesli)rconductcon'rirlaincdol hcrjin

lly^lassia.

40.

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ll l9 lfts improfJerl'oreclosurein thiscase.

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AlaggiaseckscontractdamagcslbrthcbreirchcscouscdbyBanks'actionin

WHEREFORE.n lage,iapraysti)rrcliefaslbllows:

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frcblcactualdamagesinexcessol'$10,00{);

2.

l)rmitiveDanragcslbrintelttionall'i.audulenlconductof llankincxcessol'

$r0,000r

3. In-iunctivereliefin theenlorcerneDt (r1'the'l rustec's!)ecd:

4.

-5.

Dcclaratoryrclief insettingasidcthe 'l'rustec's Dcedasbcingvoidand

contrarytoNq,adaLaw;

IncidentalandConsequentialdamagestobcprovenattrial:

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Breachof ContxactDainagesto beprovnat tiinc oftrial in excess01'

2 $10,000;

3 Coslsol'Court!

4 A reasonableattomeysfeoin thismatter.

5 DArEDthis $fa$.af

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Janxary,zlt2.

445F

BarNo.3867

Attorneyfor

Plointilf

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VERIFICATION

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Llnderthepenaltiesofpcrjury,theundersigned,TERRENCEALACCIA,

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larcsthathc is the Plaintiffnamed in the forrcgoingCornplaint;andknewsrhccoltonrs

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hcrcol':thatthcplcadingistrueofhis ownknowlcdgc,cxcoptasto thoscmattcrsthcrcin

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on inlilnration andbclicf; andasto thosemattcrsh9believcsthc samoto bc rruc.

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ubscribedandSw rnto beforeme

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dayoavofol .

,2012.

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D^VID D. LOREI\IAN.ESO.

COUNTYOFELKO TRICIA L. STEVENS

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EXHIBIT "A''

DAVTDD. LOREMAN.ESO.

(?7t 13 666

=

F^x

(7183

dn

RTiCORDING RDQUESTED DY:

Ll'S Tiile Compdy " Nv WT]EN RECORDI'D MAIL TO:

NononalDcfauh Scdicing Corpoi.rton 7720N. l6'bStrccq Suile 300

NDSC Filc No

Tirlc Orde'No. r 10058760?

:

l0-3?61?_WA-NV

DOC#

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officia'l

631200

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Record

ISI

TITLE ACE]\CYINC.

Elko county - NV D. Reynolds- Recorder

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lerry

Paae: 1of

Reco.ded Sy Ak

ilffillllllllillllillllillllillllillli

*631-200i

NOTICI] OF DI'}.'AUL'T -{XD trLECTTON TO SEI,L UNDER T'EEI) OF TRL-<T

IMPORTAN]

NOTICE

IF YOUII PROPIIRTYIS IN FORECLOSUREBDCAUSEYOU ARI' BtrHI\D

YOtil{ T YMDN'tS, rT MAY BDSOLDWITHOUT ANY COURT ACTION, ,nd rou

rtil hnve1',.legnlriglr toUrhgyo{r a((ountrngoodstardirgb}

rritnrcnts plusp

J_our xcco{ni.}vhichismrmrlly livcblslnessdayrpriortorhednrcsetfor (hc snlcoa}oor t,roFr$. lio s!lcda(c mybcreruntl lhrccmonthltmmlhcdarettrisr,oriccotdcfiulr drr\ bc

IN

nlyiDg a of}our p.n duc

'nittcdcostsnndcxpenscar rhinthctlmcpcrnincdbytawfor rrhrsra(rmen(ot

!I0d6

on this Doli(er.

' rr o'ilcd ryItr

h dtrrr ot .ccordxtior

'l hisNtr|ou|ltis SI0,764.45,!s of 09/28/2010efldwill incrersorn

I lour llccoun!beronrei

$rhil. r. u. pr.rerb

isiDf0rectorurr,you

stjfinurt pry orhcrobtignrions {su(h ,s insura ccnnd

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fnit ro makotu(urep!).nrcnll

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addition, ;ic fa*ficia.

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ratilDlc tyrirrcn 0vidsc!

r's(t rcqujrcd lty yo{r Norc.nd DccdofThli or

on rhcrorn,p,r rarcson rs rcqui.d b) Ur Not

lhrl \ou do soir order roreinslnt(your

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rlrt l!U riid ill sotriorli€ns,properry tnx€rr.ndhszardtruuranieprcmiums.

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0rdor (o cu.e your dcfnutii

rhr protrcrty, providr tNDr!,"Joo rrrcpropcny, o, poy,ur,*

nd

DccdofTru,r or Morrs.sc,rh. bcncli.t.ry oru,;rr!"g*

sccountIngood stlnding. In

nbllgr8rc dir rcquhc

llunJ ^ur $ri

In,t prlm.n(

b m6oc

! condirionto relnrtlt.hctrt thatyouprolidr

you mqynorh,veropay.hf.nrirc

d.d. bur Jo! m(srpay r

.n &'tnAr. thc bcn.tici.ry or frorrg:lg.ewjl

l"y. s.s dcn

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giv. y.u . rvri(cn i(.mrziiion ar rhL

unpsidporrion

of rour sccoirnr.

tf riure

rDoutrtsi! dcfaulrnt

flosever.yor

)our b.ocflcro.yo, nor(g,ge mry hutu,

ticr,hrn

v ierc( rn \vririn.,

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rtrr Um! rnc[o{ce ofslt h Dojted (trhi{h m!, no, bce

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ro.rnong o(tlerrtrrngs, tt j

or t,oth(l) aDttazl.

rhe (nl oirtre rtrrcc

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Pl ovide, d.tir,nnrt rimerr, " r,r"j,i" "

Follor{nA rh( expirorio. or

rh€riDcpertod rfcrred ro in (he firsi

uponor!

plrrAr.ph

of rhij norice,u.tcs

li:.::l'j:::_T ?",1i,",*,os.d

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hounr

srp,rflct!rirrenasrc€m;n(b;r*;er lou a,,d Iour

onop.hrs.l(;rJ.,.";""",,.,,,

.rtod,youhaveontyrtct.g.trish

dcm:rnded by vourc.ednor.

tfiillillllfll1llllNlllllllilllli 63L200

\DSC FileNo. : l0-3U612-WA-NV

ndount !oLt $ust piy' or to trrsngefor Povment to slopthe forectos!re' or il] o!' roreclosure for aly otfierr.rson' conrrcr:

To lind aut l[e is in

t.op.rtt

WrcIlovi. Nlortg!g€,FSB c/o5_alton.lD.ftult Serticing Corporatlon 7720N, r6'r Strect, gonc 300

Pho!ni!, A285020 Phone502/264'6101SalesWebsiler!aud,!ds!9@'!ods!19!r

flUD Apprord

Lo.il Hou3itgcour*ltng Agc.cv: E0ll569-42a7

Loss}Iirie'(bn

conrdct: Gnil Notggins/919 852_7470

I'roDcrll '\ddrcssr l:l

tEvr

COPPLRST, ELKONv 89801_',127

qlertiotrs, you ,[ould.ootact n tawycror tlc Sovernbnr.l !8cnc! Fhich

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tlrstv.!r

Dropcttv is tn forcclosur.i lou

to the corclorionoathc

You Do Nor

1,{}<E PRo\rI'T

n'.v h.rc ins(r.d vour 'tr) rotrn.Norwithsr'lditc rn. f

tr,r! o'Ter totrr proPertylor s!Ie,Irovidedrheratcisconcluded prior

lor;rrosura.

A(:TION.

Il lo!

Rmdnbcr. You MAY LosD LEGAL RIGRTSIF

Thisi\ in.ltcnrpt

to collccta dcbl.nd anyinlbtmstiotrobldrcd willbe ur€dfor thnl purpose

lS HERItI)l

cIVEN TIJA'I : NAI IONAl, DDTAULTSIIRVICING CORPOR TION i\

tledtrlJ rppoltrt.dsubstiturcdTrusrceor .cti!8 a5igent for (hc

eirhc'rlrr -'OTIClt origiMlTrustc.,

'i

:\l-.\C;CI.\,.\

s.curccfitnin oblisrtionsin f.vo. oTWORLDSAVINGSBANK, FSB,rTS sUCCEss()Rs iND/OR /lSSlCNltDSasbcrcficify rscorded06/18/2007,!s lnstruD:cDtNo. 575.1?9 (or tuoh. Insr. ) ol Oflicii I R{ords In lhc Otticcof fte CountyRecorderor ELKO Countr, Nv. S!id Dbligr)tioDsiDcludhrgONI NOTIIIOR TnE ORIGINAI,sumof$183,500.1J0,

i\{.{RRIItD MIN A5 HISSOL0 ANDSITPAAATEPROPDRTY.!s trurl.r, ro

fusrceof It(neficiiry (n(lcr a DcrdofTrust doted06i07/2007,exccutcdby TEIIIIENCE

I harr brelcl, or,Bnddefnultin, dt. obligallonrfor trlrlchsuchDeedofTrust is scc{ri\' h.s

dccsrredid (hNt pryn,unl h{s trolbecnmudeol:

I'RINCIP.\1.,INTDnIST

rAIr,UR[ TO PAY THI

INSTAI.I-MIiNT OIr

,\rr_DIMPOUNDS\4TIICHBECAMEDUE ON 0l/01/2010.4.ND,\l.l-

strllslQU!N l'INSI.\Ll

\\'Il-H ,\l-L L^TD CIIAROESi PLUSADVANCOSMADI AND ^ND COS] SINCURRIID IIY TIIII Br]Nr]|rlctARY INCLI]I]ING FORECLOSUREFEESAND COSTS ^ND/OR ATTor{-DY:s

MENrS oF PRI|_CIP,{L.INTEREST

IMPOIJNI)S.TOCIITIII;R

Thrt b) reison thcreof,thr prescrr bncrici!ryunders!chD.ed ofTr$r hasele.ucd and

ddi\ crodto drly rppolntodTrustee! writtr DechrstionolDefrutr lnd Demrn{ttor Srtc.rnd hd\ drposiled\yill! sdd duly rppolnrcdT.ustrdslcn Ded orTr!s( rnd stt documenr$ (vid€ncine

. L'lrurriun,su(urcdrherrtJ).onr!hrsdector

xnnr(di,rel) dur !trd payxblc

bcs.ld to s

landdocsh.'

cbydect.rerll ru'n\ r((ur,.l th(;".,1

ro

h.s clected!nd do.sh.r€by etecrrocatlserherrusrpropdrt

irf),.hc

oblig.(ionssc.ur.d 'trd atcr.hy.

Dxrcd

Nalioi!i Dc(194sc.vicinttcorporation,As

:

Scptembe.28,20t0

ror wachoyioMortgaSc,FSB

Titlc Agency. Nv,.s Agent

GaryTrafford

6312oo

llililllllllllllllillllllllllllllllill

'1' .iu '1 ' )::

o-seprenoe,2820'oo.fo'emcEredilg*:ilii;ii,i?i

liillJft::Ti'J.'i':,T:,;'":i'f"

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s,Lnh,r.numenranoacknowredsedromeuarneeN*:"-1::^1:,::,;;;;;;;,"*"".1.o, ".'.-,"

;, . :;;" ,;'.;;;;;i.'",'e.r

:o\cdLom.onrhebrsiioivrirrrctorye!rc-LE!!"i,i.J"r"i"r,is"",rr-zcdcapa.Danarn"

rh; pelson'or thee

irvuponbeharror

whrcbIhep(rson aLrc0 '\ecu

I certifyundc!

porlgraPhls tnreandcorr€t

PENALTY OF PERruRY

underthelawsofthestate ofCaliforni{ lhat the forcgolog

ENFbTN! o

commlsron

saNcHEz

# 1796125

EnedlnaO,Sanchez

Norory Plb ic ' colllornlo

Oronge Co!nrY Mycmrn. E!lr$ A{r2l 201?

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EXHIBIT "B"

DAVID D. LOREMAN, ESQ.

fi5J7I$06

-

Fd

(?6tr4tr

RIiC-()r{Dri{GREQUES',lEDaY:

\\ JIIi

\r':oi!, DenuirScarcdgCoryodioD

tili

RI.:CORDTJDN'ATLTO:

l6" S.cot,Sur.100

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\DS( t,ic \o

 

l0-32612-WA-Nv

I ir.

OrdcfN.

10058?60?

,\P\ \o

:

00t-8S9-017

DOC#

0i,0a,:ai:

6421-36

offi

LSI

Flko Couriv - W D llike Snales- Recorder

rd

ci

al

Reco

TIILE

ACENCYiN'.

Page;

Recbrd€d

1

of

3r

i

nri

i'

rr::f

:

t:t

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Ililililltiltitiliitiliiltiliittiiliili

't,6 42 J-36"

NOTICEOFTRUSTDE'SSALE

}OT .1REIN DIIiiAUL'f

I OI; -I'AKI ACTIO-\ TO PROTtrCTYOURPROPERTY,IT MAY BE SOLD AT,.1

tulJl.lC SALE. ll'YOU NF;EDAN DXPI'\NATIONOF IHE NATURUOF'IH[

06/07/2007U\LESS

UNDDRA DIIDDOF'TRUST,DATEI]

P}TO(]EEDINCACAINS'I'YOTI,YOUSEOULDCONTACTA LAWYEIi.

\()rcc ,! h.r.by Sivcn tlut Natlonal Dcfault SrvicingCorporation 3s tnNtce ior succesrorr 'ir.L,.rc.

.,

II.\llltlED

06,'lS.':01)i,itsirsr|0nrerl.No. 575.179in Book. Page , otOfiicial Recordsin rheolficc

lilr,)rL.r oi LLl(O County,StatcofNV, andpu.suanrto theNoticeofDefaull ar)clElccrro'rro S.1r

d'r,.\ti\icr r.lordcd O9l?a/2010asI'rstruhcntNo.631200 (or Book , Pagc ) ofslid Omcial Rrcoai

'.

l'\:rrLrcliLrusrc.).pursnrnrto thcDeedofTnrs!executedby IERRENCB ALAC(;tA. A

]lAN

AS IIIS SOI,E AI\D Sf,PARATE PROPERTY, daled06/07/200i arrd:crJrd,r.l

of ilreaour)ty

w)ilselid

08/03/2011,t I l:00 A.M. at:

 

1l-

-l Ht

l.lAIN It^"TliANCE TO l HE ELKO COUh"TY COt'Rl'tlOUSE,

II).dItO

sl R!-.[| r'f 6r'l{

l]Lr(o. Nv 89801

r Llfli, ruc{ron.Lorhchighestbiddorforcaih(inthefo

srj,:\,r, !ri)1.ir tull.r n|neofsrlc),allrigtr,Iitle,andinterestconveycdtoaodnowhcldbr rl

Lx,tiJ, I . . "rrll)ced . r' ,

! *'hrch!.e lawlulleDdefm LirdLlrru.i

.

oi fflsi, in thcpropecysrtuatedin$id CountyaJrdStalcandnrorcfuily(1cs!1bLc,!l .1hc c:ornd nvJJ c pJl1hcreol:

'lIc sirii: rJaress.$ olhefconnnondesigation,ifanyoftberealpropcrtydesclibeiabovers

]ZI COPPtrRST

r:LXO.,\.'\'89801-4C27

'11,. ul]ilr'srsrad'lrullcedjsclairnsanyIirbiljtyforanyLncorechessofthestfeetaddressltrdotircr

clnnN

d.srgnatron,ifa1ly,slrownheicin.

1{r n."ta la )Jr

NDS(ll.il! No.:

Ah'

\o.

10-32612-WA-NV

001-859-017

iltilililtfitlllil]iltilillilr

The.srrlraiedloral amoumtofthe unpaidbalanceofthe obligationsecuredby the properly ro be sold irir,irciso]uble csrirmkrdcosts,expersesznd advancesat thetir]leofthe iritial prbl;cationsof the foLi0: ofSrle is S220,524.18.ltispossiblelhata!thetimeolsaletheopeningbidniaybelesst;LJn ire rorrl ,ndebre.lDessdue

L i(,1lrinnro.aslr, tbe Trslee wjll acceplcashiefschecksdrawnon a staleor'rarional bank.a Lirecl.

ri isr

rs$ci,rLron.savingslssociaLion,or s3virrgsban! specifiednl Section5102ofihe FlDancialCode

NtlLrcfizedLodo bnsinessin thisstare.In ihe evenlte[derotherthansash js accepted,dreTrusree ^:rd

Nr"')rlL

:

b) r siareor lede.rl crcdit lLnon,or a checkdrawtrby a slateor federalsavnrgsandloan

oliirie ssuarccotLhcTr'ustee\Deeduntilfundsbeconreavailableto drepayeeor

rs i nr!tt.f ol .rgll.

ii

ls

5'LJsrrnl:i

rNirfilLngtrilc. possession or encrnrbmnces,to satisfytheindebre.hesssecuredby saidDeedof lruii. !(l\ xnccsLhererndcr,with intcrestasprovided therein,ard theunpaidbotanceoltL1eNo{e sec{rcdby

s

L|r _liuslcc dtrdoI thc Lrus!scfealedby saidDeedof Trust.Thc lenderis unableto va|dale the

b!,nad!, l.rn'asis

oonditior,wilhourcov€nantor warranryjcxpfcssor iiflico.

d Deedof liust $i1h irterestlhereonas provided in saidNore, plus

fees,chargesandcxpcnsesoi'

!o

!LL(iotr,dcltcrs or djsclosurcissucsol saidpropenyandBuyerwaivesthe disclosurcfequircnr!:(s

rr

ir \RS i l:1.i30by prrcl'asiDgal thissaledd

signingsaidreceipt.

li

nr

Trsr,re ls unnLrle1oconvcytille lbr iny

reason,the successfulbidder'ssolc rnd c\.:

si.!

rcLroC)shi I r.c lhe retrLn)0l mories paid (o t]1eTruslee,and lbe successfulbidder'slall harc ro

Dalc:0r'0t/:0ll

ti tiori) 1)cl!uh scrli.irg

ll:0

Corporntjo,r

\.

I6 " 51.cc(,Suilc300

I)li0(nl\,

8s020

60t,26q-61ul ^Z

SnlrsLine r 714-?30-272? SalcsWebsite: wwlv.ndscorp.corvstles

-,\i\4.{44+of,[4

\!rr,or \lro'4 TRI,STEE

SALEs REPRESENTATIvI:

--'re:.

r

N

Qllotfial:f

co?Y i"

lllllllllllllllllllllllllltllllllllllttl 642136:':l'!rcli

Elhlblr a

NDSCNodc! of Srle Add.ndum

NDSCNo.

:

I0-32612-WA-NV

PROP.ADDRESS

:

l2l COPPERST

 

ELKO,lW 898014427

ColiNl"l'

:

ELKO

LEGAI.DESCRII,TION:

Lor17,BlorkJ,ofAUROUSESTATESsUBDn4flON,.cqodingrorheomciat

nlap!h.reof.filcdin thcoJfrccoftheCountyRccord.rof

o! SeprcrDber16,1980,arlilc Numbcrll852l, atrd.!F!dr&nt fi9i9lo rccodedfebiraryIJ.1983,inBook415,Pag.4t l, FileNunbr1?340t , Otli(ialRccords.ElkoCourty,Ncvda

EIlo Courty,Ncvadr.

lllllllilLlillLlllllllllllillllllli 642L36

sTATEOFARIZONA

COUNTYOFMARICOPA

a\'1

'\

I ,201T,belote .r,e, JanClaxtan,a NotaryPlblc forsad Staie,

persoaallyappeafed ryle!g&l!l&4|

onrhebaslsof satjsfacioryevjdence)lo bethoperson(s)whosena're(s) is/are s!5scrbedto lhe w Ihin nstrumentandaoknowledged10methaihe/she/theyexecL.rtcd ife sameh irs/h€/theirauthorizedcapaclty(ies),andthatbyhis/her/theifsrgnat!re(s)orl theiislfi.rmenttheperson(s),orlheentityuponbehalfofwhichtheperson(s)acted execLriedlhe nstruanent.

Of

whoperconallyknownto me (orwho provedto me

I cerlfyunderPENALTYOFPERJURYundeflhelawsoftheStateofArizona lhalihefofegongisirueandcorrect.

WITNESS MYF]ANDANDOFF]CIALsEAL

2

3

4

5

6

7

8

9

10

lt

12

t3

14

l5

l6

17

18

19

20

2l

22

23

25

26

2',7

28

EXHIBIT"C"

DAVID D. LORIMAN. f,SO.

0r)

n3 6d

-r FAx p?tfu

d7:

Auguet

16,

201"1

IJoan Nunltrer :

aa4629929=

Terrence

Alaggia

tzt

Elko,

copper

sE

r,IV agaol

4421

Pronertv

Addtess:

121 coPPer

St,

Eiko

NV a9AO1

Dear

Terrence

Alaggia

:

The above referenceal

P1an.

proceeC lriEh

loan

congideration

has been revielteal for

of your

lequest

at

the

afce). ca.refu]

the

gituation,

tine.

modificaCion

this

Mortgage

we are

l-ss:s:ar'ce :t1ai !e :9

Ple"lse note

Ioreclosure

Ehat

during

process.

our

revielt

of

The forecloaure

your

process

si.EuaEion/

agaj.nst

we sus-De

ec _':-e

Ehe p:ope::;/'rjl.-

we wanL to

diffr-culL

futurc

or

options,

ensure

cr-nre.

if

please

you

every

If

your

coneace

questions

possible

abillty

opportunitsy

to

in

Eo asslsE

you

d.-:j:r.? ::-:s

make pal,1nentg should

learnin|

c:-a::::e :.r' ::.c

saie

ar-e interestea

us

more abouE sho::

office

iinmediaeely.

regarding

the

extenEion

rf

you hF-ve any

foreclosure

Our

p!'ocess. :-ca.:e

a::e

ho-ts

conLaci us at 800-282-3458,

Mondal Lh):ough Friday, 9:00 a.m. to 6:00 p.m. Easrern Time.

33969.

Foreclosure

Department

NoTICE:

Please

be

collec!

a

debL.

If

been dischdrged

in

ri:s

r'rghts

personalIy

agalnst

lrab-Le

advised

you

on

are

bhaL Wachovi.aMortgage

currentsIy

irl

bankruptcy

Wachoi/ia Mortgagb

i3

and iE

not

attempting

may be

dr

o:--y

a::ea?::.-g

ciebt

you::

::as

bankrupt.cy,

the

ezer::sr:;

:/

tr

property

t.he NoLe.

i:o hcid

:.

ffc745 00s vB4

I

2

3

4

5

6

7

8

9

10

II

12

t3

14

15

l6

t7

l8

l9

20

2l

22

23

24

25

26

2'7

28

EXHIBIT 66I)"

D4VID

D, LORXMAN.

f,SO.

(7r)rM606 .: .Ax oxtrarr

July

13,

Terrence

201i

Alaggia

Loan Nunber:

aa46299293

12I

Coppel

s!

 

Etko,

irv

agBa!

4421

Dear:

Terrence

Alaggia

 

vle are

conr,nitted

to

helping

you

reEain

your

home.

That,is

3h')/ te

 

currently

efiordabie

oI

\our

ewaLuating

ModificaEiAn

loar

for

'_re

your

moitgage

eligj.biliLy

thich

in

would

fhe

modify

itome

prografr

I'gelrp'),

the-!erms

:I

fo\:!

mortsqaqe

pavmenEs

more

aftordab:e'

,.-i'

I',.

o"".

rnake vour "rnct orewioL-rsiv

reterr6d-co'I6reclosure,

 

r^e will

cor-cLnLe

L:-e

forecLosure

pr-ocess

whi-Ie

we evaluaLe

your

loan

for

tlAMp.

:{o':/eveL/

nc

roro-locL-c

iale

wil-

be

conducEed

and

you

!,,i11

noL

lose

you

ore

during

Lhe

IIAMP evafuation.

 

HAI'IP El iq![!}_!qt If you are efigible

for

HAMP, you

will

enter

into

a

"trial

perlodr'.

You

will

receive

a

Triaf

Period

pfan

$rhich

will

conLain

a

.lew

irial

paynenE

:m^,,nr'

during

your

Trial

.6nfinrrF

If

and

/

1, ic

u,

l

l

r^m^^rrr;

l

' ---Jage

p?y:rer-:

:f

the

HAMPTrial

Perj.od Pl.an).

r-int

nrv-Fr-

To accepL

hv

Lhe Traial

r-c^

Perird

due

Pl.ar_-,

irrct

d3.,e.

Loan \ras previousLy

period

Plan

we wil]

f^

n:t^

\/^,,r

ra^,r

referred

to

foreclosure,

 

once

you

accep:

Lhe

halt

the

foreclosure

process

as

ian'

es

jau

ra7i

rrr:1

nlzn

IIAMP, or

if

you

fail

to

comply

with

:he

trerms

you

an\,

wil]

30 days

be sent

to

revielv

.'^!

a

Non-Approval

the

reason

m>1. h:1,6

l\totice.

I:r

fo::

|

::or-apprc.ral

-;";i'g;h;.

v "-'

-

i.;;;i;;;;.i

^^.--vre

:o :aii'i",ilii

pendlng

foreclosur6

action,

but

no

yorL do not

qualify

for

the

Trial

Period

PIan,

conLdc[

you

us

niil

have

Lo

oiscuss

of

most cases,

beenprevlousty ref

erred r"

with

period we may continue

foreclosur:e sale wifl be conducted-and you will not Lose ycur hone.

Impo+- I c-Do no-

Laken to

ignorc

and

any

foreclosure

ooLices.

the

Eidde-s-F-df-T6E6ET6EJre

?oreclosure

a

foreclosure

to

The ItA,\tPevaluaLion

sana Ei1-a.

berng

your

appl -c.b:le

mav Droceed

;t

rhe

wo* may receive

with

oreclosule

notices

or

yoir

iray see

stepr

sale.

Wtrite

voir wr!l

iro_! lcse

protect

your

respoid

to

u;derscaad

to

right.s

cF.e.-

tshe

con:a::

::rder

fc

iegal

ec-os:

Z :-a,,,t.1e:

proceed

homc during_the

o!

Lake

olher

ltAMp evaluation,

-Law, you may need io

acE.ion;.

rf-you

do

you are

nohices

nots

conseque.lces of the foreclosure,

or housing counselor for assistanie_

encouraged

I,HO2 O

OO1

DEN

aerrence

Alaggia

oo46299293

.July

11,

2OX1

Page

2

yau cannot

rir*ain

per'iod

ls

1rrc0

you

p

have

Sifliu

iiui

;;i;i;;i"

and sacurOay,

au.ia"a

iur"

quesLions

ieceive),

l.

to make your ctial

in your home " A represeniatlve

- auu

L422 !r

to

af ford

t=,-lri-"a.ti

t"

to

iJ-"t"ise

9:oo

ie.*'e

help

you

Mondav Lfiroush Fridav,

p.m.;

conLict

foreclosure.

6:bo

Eastern

usi

other

legal

ff-c

and

9:00

Time.

a

m

or

to

if

n

'

a-.m' to

home,

your

we-have

Additionally,

other

optiorls

that

ra7

if

yo'l

Ilave any

Lhat

you

io?t

y'ou avoid

aboui: the

please

.

call

F

-

call

the

h--

serwices

you

nave.

foreclosure

fot

(or

us

llomeowner i s HOPBHotline

notices

at

1

assistance.

ThFv

You can afso

counseling

quesElons

sincerely,

8aa-995

.46,43:

.F.c,

HLr---rE:f_fcd

can

help

-r,,ncFtrrd

in

English

and Spanish,

a:1si.reran,r'

Sharon

Zr.llrig.f

senior

vicc

Pres ident

wachowia

MorLgage

Pfease

be

advised

that

Wachovia

Mortqaqe

-i"!-r"-i'";;

youi

in

debc

you

tour

mav be

ha€

jts

defaulrs

State

Act

attemptrrd

f

ite.h

rr

:he

:_he

n.l/

che

a debl anctany informario;

you.arc

bankrlrptcv,

currcnLly

y

.1r:d rs

in

.Wachovia

not

!*I'l:,1:",

rc-:ed

respecL

:::l-!9119.!1".

co.rrecroys

missed

rr,

to

youl-

those

Fair

i;;-;[;;";";;";;.--:;

been

righLs

ro

drsahaigcd

aqaii:st

liab:e

cr*o.

or,

yor.rr

accounL

Caflfornia,

the

bankrupEcy

tvtortgage

aLfernpting

is

paymentss,

or

!o

or

credrc

foans

reporc.

located

DebL

if

CoIlec!ion

Act

"li-tii.a

exercising

hold

about

oLhei

properr

NoE(i, tne m.jy reoo):r tnformation

llr:

rre rcr

with

staEe-RosenLhaI

personallv

accounc

on

of

Lhe

practices

rhar,

8 a.m.

and

federai

Fair

Practices

require

excepE Lrdcr

or

af E.er

or

-;;;;t

9

o,

cr rcrnsta---e--,

p.n.

by

:b)e./ :ey

"=.r,s

":it"."niu

ycu

may

ma7

mFy r)oE conLdct

you by usins

nork

vou before

of

oDscenelaDguage. l:!^li:.::

or cal

not

rhraars

wiorence

collectors

they

may not

use fafse ";

misleadi:9

know, th;t

l

LyorLat

know,

or have

reason por tt,.'-^"-Jt.

to -p"f

receive

t"l

personal

cal.l_s-at. woik,

co11ecrirs

orherthanyourar.Lorney6r spouse,abour 7or:.

another

person

to

ionfirrn

uuo"i J.6i

,

vol'r

to.,ri^F

"

.y

'-

ll:1.

usuL.

l^il::lr:j^pillolt

LUt-Lecrors

may contacL

For moreinformation

:l::.rce-a-ludgnenr.

drr.LVrLres/you

'-877

l

maycontaet

the Federal Trade com,nissiona. ""fi" ir"---

rC-HEL: or

!.,wrr.Jrc.qgv.

LHO2COO1DEN

I

2

3

4

5

6

7

8

9

10

1l

12

l3

t4

l5

16

17

18

t9

20

2l

22

23

26

2',7

28

EXHIBIT"E''

DAVID D. LORf,MAN.

ESO.

or) a3 666 + rAx crtr4Tr

n

R!CORt)lNO REQUESTED BY i

WIIEN RECOITDED\'I-A"ILTO :

Wrlh Fr'go Barl., N .\.

srh,\ntonio, TX 78251

IOR\\ARI)

Wcrls[3rgo 8anh.

iAX STA-IEMI,NTSTO:

sM

\nrotrio, IX

?8251

Ar^_:001-SS9-017

Nr)scrir.)o

i o.rx\r.

Iritcirn

\o

:

:

:

r0,i2or2-w^-Nv

t)aab}2e2ej

luu58r60./

DOC#

09/29, i;:,

646096

official Recorsi

Lst TrfLi Ac:fiaYIltc. Elko County-

NV

D luike Srdales-

Recorder

Paqoj

Recorded

1ol

Bt

2

NR

'F.:

11,)ir:

lii

ill

\71.

ta,

ilililtilrililtilililililIilillillil

*646096"

']!it

!!$t'-q"t!! E

beingfecordedasan

AccoMMoDATloNoNLYwtthno

ReprosontationsEto it3 ofigctupontitle"

'l'r'rit.r l r\ rS 105-90

]IITUSTEE 'S DEBD UPONSALN

lh. i;rin:

hercioW.4SLhcllcneliciary

lhe irnrun{ul'rhcorprid dctrlwasS224J05,93

lhc rnro$l l

lhc pnnr|iy iein rh'jcityofELKO, CounryofELKO,Staleof NV.

d b) lhc GranlccwasS180,605.00

NAtnrhl Dehuli Scrvic g CorD,)ration,ar Arizonr Corporntio , asrhcduly a!poi|rcd lius!c! (!r

s"Locss|'rliusrrc or Sub\rj!"rcd

'l rirre! . docshr'c!) srarn wirhoulanvcovcnanror \a-naniyro :

'liu

s|ee),undera D€edof Truslrcferredro bctow,andhcrein caltci

Wrll\ fNrg. 8rrli, N,.{,

lic:!i).i:i.d

(jranr

,

rhotollowingdcscribedrcrl proF€rry situaledin ELKO Couno.:

Lor l:. alocl .r. of UROUS ESTAI [S SUBDIVISION,accordirg to the otficiat

t".D rl$eol

orS(pt.nrbc. 16.1q80,asFilcNumlcr t38521,lud omerdh.nrdrcrcto rcq)fllcdIr.brunf) I S,1983,itrBook.lt5,I,s8e41t,FiteNumbcrl?3401, Oilkil)) Rc.ordr. lluo County, Neyrda

fi1ediDrhe ofnceofthe Courty Recorderot[lko

County,Nevrdo,

lhr( :rD\c\r',c. ;ernadepursuanr toihe lowcrs corfeneduponTrusr€cby saidDeedofi rusrcxeclridbr

I IiI{RE\C!]

l rusr".r.r

:\I,AGG]4,

A MARAIED MAN ASHIS SOLE AND SEPARATO PROPERTY

ord0d

on 1,6/18/200? asInstruncntNo.s75479(or Book, pago) ofrhe Official Recodsor'

. ;:

!:l-XOCouDl!,NV.

l\ii rcq!iclrci(s of law regardingtllerccording andmaitingofcopicsoflhe NoticeoaOcfaukandfteclior roSelr.rlc rdcording,rrailiDe,poniDg, andpubljcjtionoflhe Noticeof Trusrces Salehale tecr coor:)rc.

'.'

11rIS IS AN LDJOIfIaI;:

.!P]_ rr'

?ogu2

-l

)ll)SCFileNo. :

::rcf s Dlrd UponSat€

10-326I2-WA.NV

lNillilllltllllilllllillilllllllllll{ 6460e6 ')t

"'! it:,

f stee.incomoliaocewhhsaidNodoeofTrustoe'sSalcandinExerciseofit5 poqcrsundersaidD.edof

ll uJrsoldsaii-trcalprope{yal lublio auctionon0920/II Glantcc,beinglhehigheslbidderalsaidsai. becoNrhe t\schiscr ofsaidpropcnyforthcrjnourtbid,wbicbarnounrw8sS1E0,605.00.

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A\s!ssorParcelNlmber(s) ., 001si9-01?

DOC#

DV-646096

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09i29,l0I

Official

Record

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TI rLE AC€ii(\

1^"4.

Elko County -

NV

D Mike Snales -

Recorder

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b)

SingteFam.Res.

FORRECORDER'S OPfloNAL. USEoNi-'f

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Book:

Apt Brdg

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Comm'l/lndl

Dateof Recording:

h)

Mobilellome

Notes:

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