Source: s3://data.kl3m.ai/documents/govinfo/USCOURTS/USCOURTS-caed-2_09-cv-01810/USCOURTS-caed-2_09-cv-01810-7/pdf.json

Nature of Suit Code: 371
Nature of Suit: Truth in Lending
Cause of Action: 15:1601 Truth in Lending

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UNITED STATES DISTRICT COURT

EASTERN DISTRICT OF CALIFORNIA

----oo0oo----

SCOTT W. WOODS,

Plaintiff,

 v.

GREENPOINT MORTGAGE FUNDING,

INC.; GMAC MORTGAGE; AURORA

LENDING SERVICES, LLC; LEHMAN

BROTHERS; US BANK; and Does 1

through 50, inclusive, 

Defendants. /

NO. CIV. 2:09-1810 WBS KJM

MEMORANDUM AND ORDER RE:

MOTIONS TO DISMISS

----oo0oo----

Plaintiff Scott W. Woods filed this action against

Greenpoint Mortgage Funding, Inc. (“Greenpoint”), GMAC Mortgage

LLC (“GMAC”), Aurora Lending Services, LLC (“Aurora”), and U.S.

Bank National Association as trustee for Greenpoint Mortgage

Funding Trust Mortgage Pass-Through Certificates, Series 2006-AR7

(“US Bank”), alleging various state and federal claims relating

to a loan he obtained to refinance his home in Folsom,

California. Greenpoint moves to dismiss plaintiff’s first cause

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of action against it in his Second Amended Complaint (“SAC”)

pursuant to Federal Rule of Civil Procedure 12(b)(6) for failure

to state a claim upon which relief can be granted. GMAC, Aurora,

and US Bank also move to dismiss plaintiff’s first and fourth

causes of action against them pursuant to Rule 12(b)(6). 

On a motion to dismiss, the court must accept the

allegations in the complaint as true and draw all reasonable

inferences in favor of the plaintiff. Scheuer v. Rhodes, 416

U.S. 232, 236 (1974), overruled on other grounds by Davis v.

Scherer, 468 U.S. 183 (1984); Cruz v. Beto, 405 U.S. 319, 322

(1972). To survive a motion to dismiss, a plaintiff needs to

plead “only enough facts to state a claim to relief that is

plausible on its face.” Bell Atl. Corp. v. Twombly, 127 S. Ct.

1955, 1974 (2007). This “plausibility standard,” however, “asks

for more than a sheer possibility that a defendant has acted

unlawfully,” and where a complaint pleads facts that are “merely

consistent with” a defendant’s liability, it “stops short of the

line between possibility and plausibility.” Ashcroft v. Iqbal,

129 S. Ct. 1937, 1949 (2009) (quoting Twombly, 550 U.S. at

556-57).

In general a court may not consider items outside the

pleadings upon deciding a motion to dismiss, but may consider

items of which it can take judicial notice. Barron v. Reich, 13

F.3d 1370, 1377 (9th Cir. 1994). A court may take judicial

notice of facts “not subject to reasonable dispute” because they

are either “(1) generally known within the territorial

jurisdiction of the trial court or (2) capable of accurate and

ready determination by resort to sources whose accuracy cannot

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reasonably be questioned.” Fed. R. Evid. 201. 

GMAC, Aurora, and U.S. Bank have submitted a Request

for Judicial Notice (“RJN”). (Docket No. 60.) The RJN contains

the following documents: (1) a copy of a deed of trust for

another property owned by plaintiff at 116 Puffer Way in Folsom,

California, recorded in the Official Records of Sacramento County

on June 6, 2006; (2) a copy of the Notice of Default and Election

To Sell Under Deed of Trust for plaintiff’s property at 116

Puffer Way, recorded August 8, 2007; (3) a copy of the Notice of

Turstee’s Sale for the Puffer Way property, recorded on November

28, 2007; (4) a copy of the Trustee’s Deed upon sale for the

Puffer Way property, recorded on December 21, 2007; (5) 

a copy of the Deed of Trust for the subject property, recorded in

the Official Records of Sacramento County on June 30, 2006; (6) a

copy of an Order To Desist and Refrain from the California Real

Estate Commissioner, filed with the California Department of Real

Estate on April 23, 2009; (7) a copy of an Accusation from the

California Department of Real Estate, filed on April 23, 2009;

and (8) copy of an Accusation from the California Department of

Real Estate, filed on July 30, 2009. 

Plaintiff objects to the court taking judicial notice

of documents 1-4 and 6-8 on the grounds that they are for the

purpose of attacking the “plausibility” of plaintiff’s ability to

tender the loan proceeds and to “color” the plaintiff. (Opp’n to

Mot. to Dismiss (Docket No. 64) at 4.) Because the court, and

not a jury, determines whether the SAC satisfies the motion-todismiss standard, there is no possibility of prejudice. With

respect to plaintiff’s argument that the documents are meant to

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attack the sufficiency of his SAC, the motion-to-dismiss standard

binds the court to accept plaintiff’s allegations as true and

draw all reasonable inferences in his favor. See Scheuer, 416

U.S. at 236. Documents 1-5 are not subject to reasonable

dispute–-and indeed, plaintiff does not dispute their accuracy or

legitimacy–-because they are of public record. They are

therefore properly subject to judicial notice. 

With respect to documents 6-8, PDFs of those documents

are available on the California Department of Real Estate

website. See California Department of Real Estate, Desist and

Refrain Orders and/or Accusations for Loan Modification

Activities, www.dre.ca.gov/cons_drs.asp (listing Woods, Scott as

a Respondent in four filings–-(1) an Order To Desist and Refrain

and (2) Accusation, both filed April 23, 2009, and (3) an Order

To Desist and Refrain and (4) Accusation, both filed July 30,

2009). Plaintiff does not contest the records’ authenticity or

provenance, and because the records are generated by an official

government website their accuracy is not reasonably in dispute. 

Indeed, courts in this and other districts frequently take

judicial notice of documents on government websites pursuant to

Federal Rule of Evidence 201(b). See, e.g., Edejer v. DHI Mortg.

Co., No. 09-1302, 2009 WL 1684714, at *4 (N.D. Cal. June 12,

2009); East Bay Mun. Util. Dist. v. Nat’l Union Fire Ins. Co. of

Pittsburgh, Pa., No. 09-614, 2009 WL 975442 (N.D. Cal. Apr. 10,

2009); Piazza v. EMPI, Inc., No. 07-954, 2009 WL 590494, at *4

(E.D. Cal. Feb. 29, 2008); see also Denius v. Dunlap, 330 F.3d

919, 926-27 (7th Cir. 2003) (taking judicial notice of

information on official government website). While the court

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fails to see how these documents are relevant for purposes of the

present motions, defendants’ motion for judicial notice will be

granted.1

Plaintiff offers a letter from Mr. Keith Spaulding in

support of his Opposition to defendants’ motion to dismiss which

states that he is able and has agreed to provide plaintiff with a

loan so that he can tender the loan proceeds in this action and

rescind the loan. (Docket No. 64 Ex. A.) Courts may consider

documents outside the complaint without converting the motion to

dismiss into a motion for summary judgment if (1) the documents’

authenticity is not contested; and (2) the plaintiff’s complaint

necessarily relies on the documents. Lee v. City of Los Angeles,

250 F.3d 668, 688 (9th Cir. 2001). The SAC does not mention

Spaulding’s letter and defendants dispute its provenance and

authenticity. Furthermore, the letter is not properly subject to

judicial notice. See Fed. R. Evid. 201. The court cannot,

therefore, consider the letter on the present motions to dismiss. 

A. Truth in Lending Act Claim

Plaintiff’s first cause of action again complains

against Greenpoint, GMAC, Aurora, and US Bank. The court’s prior

Order dismissed his first cause of action for violations of the

Truth in Lending Act (“TILA”), 15 U.S.C. §§ 1601-1667(f), on the

grounds that plaintiff failed to allege any facts that he could

tender over one million dollars necessary in order to rescind the

1 Pursuant to the guidelines of the Judicial Conference

of the United States as attached to its April 30, 2010 letter to

all United States Judges, the court has attached to this Order a

copy of the California Department of Real Estate website as last

viewed by the court. 

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loan. (Docket No. 42.) In response, the SAC now includes the

allegation that “Woods has the ability to repay the loan. He has

sufficient financial resources to borrow the necessary funds

required to carry out rescission and repayment of the $1,100,000

loan.” (SAC ¶ 26.) This is a conclusory statement that any and

every plaintiff could make. Furthermore, this allegation does

not show that plaintiff has the present ability to tender; only

that he may have the ability to tender in the future if and when

he obtains another loan. As the court stated previously,

plaintiff’s “bald assertion that he will tender over one million

dollars does not cross ‘the line between possibility and

plausibility.’” (Docket No. 42, at 10-11) (quoting Iqbal, 556

U.S. ---, ---, 129 S. Ct. at 1949). Viewing all facts in the

most favorable light to plaintiff, he has pled that he has

offered to tender in the past and may be able to tender in the

future. There are no facts alleged indicating plaintiff’s

present ability to pay over one million dollars. Indeed, when

viewed in the context of plaintiff’s admitted failure to make

loan payments, his allegation that he could tender is simply not

plausible. Plaintiff cannot, therefore, seek relief from the

court for defendants’ alleged failure to honor his rescission. 

GMAC, Aurora, U.S. Bank, and Greenpoint’s motions to dismiss will

therefore be granted with leave to amend. 

B. Negligent and Reckless Misrepresentation

To prove a cause of action for negligence, plaintiff

must show “(1) a legal duty to use reasonable care; (2) breach of

that duty, and (3) proximate [or legal] cause between the breach

and (4) the plaintiff[s’] injur[ies].” Mendoza v. City of Los

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Angeles, 66 Cal. App. 4th 1333, 1339 (Ct. App. 1998) (citation

omitted). “The existence of a legal duty to use reasonable care

in a particular factual situation is a question of law for the

court to decide.” Vasquez v. Residential Invs., Inc., 118 Cal.

App. 4th 269, 278 (2004). 

Plaintiff’s fourth cause of action for negligent and

reckless misrepresentation complains against GMAC, Aurora, and US

Bank for alleged misrepresentations that prevented him from

negotiating and obtaining a loan modification, from determining

whether loan payments were being properly applied to the loan

principal, from obtaining information regarding the owner of the

loan, and from affecting a rescission of his loan. (SAC ¶ 76.) 

Plaintiff alleges that defendants owed him duties under the loan

agreement and deed of trust, the duty of good faith and fair

dealing2 pursuant to the loan agreement, the duty to accept and

properly apply payments and proceeds to the loan amount, and a

duty not to frustrate or hinder him in exercise of his

contractual rights and duties. (SAC ¶¶ 71-72.) Because of the

alleged misrepresentations by defendants regarding who is the

owner and servicer of his loan, plaintiff complains against the

defendants alternately as lenders and servicers. 

Making all reasonable inferences in plaintiff’s favor,

2 Under California law, every contract “imposes upon each

party a duty of good faith and fair dealing in its performance

and its enforcement.” McClain v. Octagon Plaza, LLC, 159 Cal.

App. 4th 784 (2008) (quoting Carma Developers, Inc. v. Marathon

Dev. Cal., Inc., 2 Cal. 4th 342, 371 (1992)). The covenant “is

based on general contract law and the long-standing rule that

neither party will do anything which will injure the right of the

other to receive the benefits of the agreement.” Waller v. Truck

Ins. Exchange, Inc., 11 Cal. 4th 1 (1995). 

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he satisfies the pleading standard required to survive a motion

to dismiss. Specifically, plaintiff alleges that defendants’

misrepresentations has made him unable to even negotiate a loan

modification, as he presumably cannot identify who is the true

servicer of his loan. While plaintiff is not entitled to a loan

modification, he was allegedly at least entitled to ask for one. 

Defendants’ alleged misrepresentations that prevented him from

doing so could violate the duty of good faith and fair dealing. 

Furthermore, it would violate the duty of good faith and fair

dealing for defendants to prevent plaintiff from ensuring that

the terms of his loan agreement were enforced; specifically, that

his loan payments were being properly applied to the loan amount.

IT IS THEREFORE ORDERED that Greenpoint’s Motion

to Dismiss plaintiff’s first cause of action as against it be,

and the same hereby is, GRANTED.

IT IS FURTHER ORDERED that GMAC, Aurora, and US Bank’s

Motion to Dismiss is GRANTED with respect to plaintiff’s first

cause of action as against them and DENIED with respect to

plaintiff’s fourth cause of action as against them.

Plaintiff has thirty days from the date of this Order

to file an amended complaint, to the extent he can do so

consistent with this Order.

DATED: July 27, 2010

8

Case 2:09-cv-01810-WBS -CKD Document 71 Filed 07/28/10 Page 8 of 22
A Desist and Refrain Order and/or Accusation has been filed by the Department of Real Estate resulting from a loan modification and/or foreclosure rescue

transaction. In some instances, the person or entity has been ordered to stop providing loan modification and/or foreclosure rescue services because the 

person or entity is not licensed by the Department of Real Estate. In other instances, the person or entity has been ordered to stop collecting advance 

fees. Before considering engaging the services of any of the persons or entities listed below, it would be prudent to inquire about the disposition of the 

action that has been filed against the respondent. Further information regarding any administrative action may be obtained through the Sacramento Office

at (916) 227-0906. 

NOTE: Click on the headings to sort by a specific column.

Desist and Refrain Orders and/or Accusations for Loan Modification Activities

RESPONDENT FILED DATE H-NUMBER LICENSE NO. 

z 21st CENTURY LEGAL SERVICES 3/9/2010 H-36505 LA NA

z 21st CENTURY REAL ESTATE INVESTMENT CORP 3/9/2010 H-36505 LA 01835672

z 21st COLONIAL MORTGAGE 4/21/2010 H-2478 FR 01760373

z 21st COLONIAL REAL ESTATE 4/21/2010 H-2478 FR 01760373

z 2nd CHANCE NEGOTIATIONS INC 3/24/2009 H-5181 SAC NA

z A Head for Money (dba of HARRIS, MICHAEL 

ALLAN) 9/15/2009 H-36241 LA 00991234

z A HEAD FOR MONEY ENTERPRISES INC 9/15/2009 H-36241 LA 01817742

z A L E ASSOCIATES INC 10/1/2009 H-36289 LA 01525721

z A&G INVESTMENTS, A REAL ESTATE COMPANY 12/22/2009 H-36394 LA NA

z ABA CAPITAL HOLDINGS INC 9/2/2009 H-36217 LA NA

z ABARCA, PATTI 1/25/2010 H-36421 LA NA

z ABOABDO, MOHAMMAD 2/25/2009 H-35730 LA 01710582

z ACM NORTH 7/15/2009 H-10725 SF NA

z Adiem Consultants (dba of COLE) 4/16/2009 H-35880 LA NA

z ADVANTAGE CAPITAL GROUP (dba of SIMS, 

MICHAEL STANLEY) 6/3/2009 H-36019 LA NA

z AFFORDABLE FINANCIAL CORP 6/8/2009 H-36034 LA 01524180

z AFFORDABLE HOME ASSISTANCE.COM 1/15/2009 H-35619 LA 01851346

z AGUILAR, ALEJANDRO ALEX MARIO 12/23/2009 H-10821 SF 01866752

z AGUILAR, ALEX 5/11/2009 H-35948 LA NA

z AGUILAR, ANGIE 5/11/2009 H-35948 LA NA

z AGUIRRE, ADRIANNA 7/8/2009 H-36097 LA NA

z AISPURO, FELIX 3/15/2010 H-36511 LA NA

z ALAN VERZANI INC 7/30/2009 H-36147 LA NA

z ALEXANDER, ALAN 1/25/2010 H-36421 LA NA

z ALFARO, MARLON ALEXANDER 12/7/2009 H-36374 LA 01447684

z ALL STATE FORECLOSURE SOLUTIONS 9/24/2009 H-36263 LA NA

z ALLEN, ROBERT 9/2/2009 H-36107 LA NA

z ALLEN, ROBERT 7/14/2009 H-36107 LA NA

z Alliance Financial & Real Estate Group, Inc. (dba 

of SZABO, FRANK J.) 4/28/2010 H-36619 LA NA

z ALVAREZ, NELLY 5/24/2010 H-36645 LA 01782578

z AMERICAN BUSINESS ADVANTAGE FINANCIAL 

SERVICES 9/2/2009 H-36217 LA NA

z AMERICAN BUSINESS ADVANTAGE FINANCIAL 

SERVICES INC 4/16/2009 H-35881 LA NA

z American Home Crisis Center (dba of SBLC 

CONSULTANTS LLC) 12/21/2009 H-5319 SAC NA

z American Loan Help Center (dba of MDHT 

CORPORATION) 4/17/2009 H-35885 LA 01517122

z AMERICAN LOAN MODIFICATION SPECIALISTS 3/24/2010 H-5364 SAC NA

z American Modification, Inc. (dba of TUBBIOLA, 

MICHAEL) 6/18/2009 H-35789 LA NA

z American Mortgage Modification (dba of 

QUINTERO, RONALD CLAUDE) 3/27/2009 H-35820 LA NA

z American Mortgage Modification (dba of 

QUINTERO, RONALD CLAUDE) 3/18/2009 H-35789 LA NA

z American Mortgage Modification (dba of 

TUBBIOLA, MICHAEL) 6/18/2009 H-35789 LA NA

z American Mortgage Modification (dba of 

TUBBIOLA, MICHAEL) 6/19/2009 H-36065 LA NA

z American Mortgage Modification Inc (dba of 

QUINTERO, RONALD CLAUDE) 3/27/2009 H-35820 LA NA

z American Mortgage Modification Inc (dba of 6/19/2009 H-36065 LA NA

Desist and Refrain Orders and/or Accusations for Loan Modification Activities Page 1 of 14

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Case 2:09-cv-01810-WBS -CKD Document 71 Filed 07/28/10 Page 9 of 22
TUBBIOLA, MICHAEL) 

z American Mortgage Modification Inc. (dba of 

QUINTERO, RONALD CLAUDE) 3/18/2009 H-35789 LA NA

z American National Group (dba of VALDIVIA, 

CESAR A.) 11/24/2009 H-36367 LA NA

z AMERICAN RIVER REAL ESTATE INC 4/23/2009 H-5200 SAC 01770059

z AMERICAN RIVER REAL ESTATE, INC 4/23/2009 H-5201 SAC 01770059

z AMERIGE MORTGAGE CORPORATION 8/3/2009 H-36150 LA 01477438

z ANDERSON, CELIA 3/12/2009 H-2362 FR NA

z ANG (dba of VALDIVIA, CESAR A.) 11/24/2009 H-36367 LA NA

z ANGEL PROCESSING CORPORATION 3/24/2010 H-5364 SAC NA

z ANGUIANO, EDWARD 9/23/2009 H-2422 FR NA

z ANGULO, ANTONIO 3/25/2009 H-35806 LA NA

z Anz & Associates, PLC (dba of ANZ, NABILE 

JOHN) 1/25/2010 H-36421 LA NA

z ANZ, NABILE JOHN 1/25/2010 H-36421 LA 00974679

z APODACA, FILBERT 5/13/2010 H-36637 LA NA

z Applyloanmod.com (dba of LOAN PROCESSING 

CENTER INC) 6/2/2009 H-36015 LA 01835742

z ARBALLO, NORMA 2/4/2009 H-35667 LA NA

z ARMENDARIZ, MICHAEL SCOTT 7/15/2009 H-2403 FR 01224378

z ARROYO, MARIA E. 3/25/2009 H-35806 LA 01842201

z ARROYO, MARIA E. 2/25/2009 H-35730 LA 01842201

z ARTISHUK, OLEG 6/30/2009 H-5235 SAC 01496836

z AUDIT YOUR LOAN 5/24/2010 H-36645 LA NA

z AUDIT YOUR LOAN USA 5/24/2010 H-36645 LA NA

z AVALOS, SINDEY 12/30/2008 H-35571 LA 01329000

z AVALOS, SINDEY 11/24/2008 H-35474 LA 01329000

z AVEMOS FINANCIAL GROUP INC 8/11/2009 H-10751 SF 01522578

z AVEMOS FINANCIAL GROUP INC 8/11/2009 H-10753 SF 01522578

z AVILA VENTURE PARTNERS INC. 4/21/2010 H-2478 FR 01760373

z AVILA VENTURE PARTNERS INC. 4/21/2010 H-2477 FR 01760373

z AVILA, HERIBERTO JR. 4/21/2010 H-2478 FR NA

z AYALA, FREDDIE 3/9/2010 H-36505 LA NA

z BAIN, PAUL 11/17/2009 H-36357 LA NA

z BARAHONA, WILLIAM R. 5/24/2010 H-36645 LA NA

z BARD, SHANNON 7/29/2009 H-3995 SD NA

z BARNETT, MICHAEL 7/30/2009 H-36147 LA NA

z BARNHART CAPITAL GROUP INC 7/23/2009 H-10737 SF NA

z BARRAGAN, FERNANDA 6/8/2009 H-36034 LA NA

z BAYCAL CAPITAL SERVICES INC 6/24/2009 H-10714 SF 01521630

z BAYCAL MORTGAGE & AURORA REALTY 6/24/2009 H-10714 SF NA

z BECERRA, ERIC BERNARDINO 7/15/2009 H-2403 FR 01451596

z BECERRA, ERIC BERNARDINO 7/15/2009 H-2403 FR 01451596

z BELICHEVA, NATELLA 6/24/2009 H-10714 SF 01367249

z BENCHMARK FINANCIAL INC 9/15/2009 H-36241 LA 01842145

z BENGARD, KRISTINE 12/22/2009 H-36394 LA NA

z BENSON, NORMA 6/26/2010 H-36704 LA NA

z BEST WAY MARKETING INC 8/12/2009 H-36173 LA NA

z BILLSMADESIMPLE.COM 6/30/2009 H-3984 SD NA

z BINDI, VINCENT DOMINIC 9/15/2009 H-36240 LA 01246968

z BISZANTZ, RUSSELL SAMUEL 1/16/2009 H-35628 LA 01171395

z BLAKE, REBECCA SUANNE 5/11/2009 H-35948 LA 00697017

z BLAKE, REBECCA SUANNE 4/10/2009 H-35856 LA 00697017

z BMS DEBT MANAGEMENT INC 6/30/2009 H-3984 SD NA

z BOATMAN, JOHN 2/16/2010 H-36464 LA NA

z BOHL, JOHN ALVIN III 8/6/2009 H-5254 SAC 01248704

z BRACKETT, DAVID M. 7/14/2009 H-36107 LA NA

z BRADFORD, LESLIE 3/27/2009 H-10632 SF NA

z BRADLEY, AMBERINA 9/2/2009 H-36217 LA NA

z BRADLEY, ELLIOT 4/16/2009 H-35881 LA NA

z BRADLEY, ROSCOE ELLIOTT 9/2/2009 H-36217 LA NA

z BRAVENDER, ALAN SCOTT 11/3/2009 H-4025 SD 01348714

z BROADWAY FINANCIAL GROUP INC 2/19/2009 H-35709 LA 01838300

z BRYANT, SHAWN 3/9/2010 H-36505 LA NA

z BURTON, JOHN 2/11/2009 H-5155 SAC NA

z BUSTOS, LYDIA 7/15/2009 H-2403 FR NA

z BUTCHERINE, JOHN J. 1/8/2009 H-3887 SD 01277998

z CALDERON, RUDY J 11/2/2009 H-2430 FR NA

z CALDWELL, ERIC BRANDON 3/25/2010 H-4081 SD 01798962

Desist and Refrain Orders and/or Accusations for Loan Modification Activities Page 2 of 14

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Case 2:09-cv-01810-WBS -CKD Document 71 Filed 07/28/10 Page 10 of 22
z CALIFORNIA TRUST DEEDS INC 5/19/2009 H-10690 SF NA

z CAMPBELL, CHRISTOPHER DALE 12/3/2009 H-36372 LA 01844230

z CAPITAL DIRECT LENDING CORPORATION 3/26/2009 H-35819 LA 01363198

z CARDENAS, CARMEN 1/27/2010 H-2442 FR NA

z CARMENATE, DINORAH ANNETTE 2/4/2009 H-35669 LA 01020632

z CARMENATE, DINORAH ANNETTE 1/22/2009 H-35643 LA 01020632

z CARRIGER, DAMON 11/17/2009 H-36357 LA 01772559

z CARTER, BLAKE 2/27/2009 H-5169 SAC NA

z CASAPORMENOS.com, LLC 4/9/2009 H-35851 LA NA

z CASTELLO, LOU 1/21/2010 H-2441 FR NA

z Castle Mortgage (dba of A L E ASSOCIATES INC) 10/1/2009 H-36289 LA 01525721

z Castle Realty Homes (dba of A L E ASSOCIATES 

INC) 10/1/2009 H-36289 LA 01525721

z Cavaldi Management Inc (dba of VALDIVIA, 

CESAR A.) 11/24/2009 H-36367 LA NA

z CAVERO, LUIS ENRIQUE 5/12/2009 H-35949 LA 01837119

z CAVERO, LUIS ENRIQUE 4/22/2009 H-35899 LA 01837119

z CDS Loan Services (dba of PENSO HOLDINGS, 

INC) 4/9/2009 H-35852 LA NA

z CELASCHI, JOSEPH 6/30/2009 H-3984 SD NA

z CENTENO, CARLOS 4/9/2009 H-35851 LA NA

z CENTENO, RICHARD 4/9/2009 H-35851 LA 01107545

z CENTRAL AMERICAN MORTGAGE CO INC 4/22/2009 H-35899 LA 01375159

z Chase Financial (dba of MENCANIN, STEVE) 1/13/2010 H-36417 LA NA

z Chase Meridian Financial (dba of MENCANIN, 

STEVE) 1/13/2010 H-36417 LA NA

z CHAVEZ, SERGIO 7/15/2009 H-2403 FR 01706524

z CHAZAN, RONALD M 2/22/2010 H-5348 SAC NA

z CHIAVATTI, PAUL 6/5/2009 H-36033 LA NA

z CHIUMINATTA, JEFFREY ALAN 6/25/2009 H-36083 LA 01396761

z CHOI, LAURA 1/25/2010 H-36421 LA NA

z CHOURY, MAY 11/17/2009 H-36357 LA NA

z CIBRIAN, CLEO 2/27/2009 H-35733 LA NA

z CICCIA, MIGUEL 8/12/2009 H-36173 LA NA

z CITI HOME SOLUTIONS INC 7/8/2009 H-5239 SAC NA

z Classic Homes Realty (dba of MODIFICATION 

SERVICES and ROBBINS, RONALD JOHN) 1/16/2009 H-35624 LA 00418945

z CLAUSEN, ALFRED 5/13/2010 H-36637 LA NA

z COLE, GREGORY 4/16/2009 H-35880 LA 01244974

z COMMUNITY HOUSING LAND DEVELOPMENT 8/6/2009 H-5255 SAC NA

z COMMUNITY LOAN SERVICE CENTER INC 4/16/2009 H-35881 LA NA

z COMMUNITY LOAN SERVICE CENTER INC 9/2/2009 H-36217 LA NA

z COMPASS, JAMES 4/27/2009 H-35908 LA 01776553

z CONCORDE FINANCIAL SERVICES INC. 5/27/2010 H-36648 LA NA

z CONNER, ERIC 3/12/2009 H-5176 SAC NA

z CORTES, OSCAR 11/24/2009 H-36367 LA NA

z COUNTY HOMEOWNERS RECORDING INC. 5/12/2009 H-35949 LA NA

z COZZETTO, TRACEY L 1/25/2010 H-36421 LA 01005931

z CREDIT SOLUTIONS OF NORTHERN CALIFORNIA 9/23/2009 H-2421 FR NA

z CTS INVESTMENTS & CONSULTING LLC 10/6/2009 H-2423 FR NA

z CUEVAS, HUMBERTO 4/19/2010 H-36589 LA NA

z DAHL, CRAIG ROLAND 7/28/2009 H-36135 LA 00578458

z DANDI INC 12/7/2009 H-36374 LA NA

z DAVIS, JAY M. 4/19/2010 H-36589 LA NA

z Debt Advisory Alliance (dba of QUINTERO, 

RONALD CLAUDE) 6/18/2009 H-35789 LA NA

z Debt Advisory Alliance (dba of TUBBIOLA, 

MICHAEL) 6/18/2009 H-35789 LA NA

z Debt Advisory Alliance (dba of TUBBIOLA, 

MICHAEL) 6/19/2009 H-36065 LA NA

z Debt Barter Inc. (dba ROBERTS, SEAN R.) 1/9/2009 H-35600 LA NA

z DEBT SOLUTIONS, INC 5/13/2010 H-36637 LA NA

z DELGADO, JORGE 2/28/2010 H-36490 LA NA

z DENOVA, DENISE 3/24/2010 H-5364 SAC NA

z DEPASQUALE, DANIEL 7/8/2009 H-5239 SAC NA

z DEROSIER, KEVIN 7/30/2009 H-36147 LA NA

z DESKTOP LOANS INC 5/13/2009 H-35967 LA NA

z DIAZ, BALTAZAR 5/12/2009 H-35949 LA NA

z DIETRICH, PAUL 5/12/2010 H-5390 SAC NA

z DINORAH INC 1/22/2009 H-35643 LA 01277139

z DINORAH INC 2/4/2009 H-35669 LA 01277139

Desist and Refrain Orders and/or Accusations for Loan Modification Activities Page 3 of 14

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Case 2:09-cv-01810-WBS -CKD Document 71 Filed 07/28/10 Page 11 of 22
z Directlender (dba of SYNERGY FINANCIAL 

MANAGEMENT CORPORATION) 7/15/2009 H-36114 LA 01308653

z Directlender.com (dba of SYNERGY FINANCIAL 

MANAGEMENT CORPORATION) 7/15/2009 H-36114 LA 01308653

z DISCOVERY BAY FINANCIAL GROUP 8/5/2009 H-10744 SF NA

z DIVERSIFIED REAL ESTATE CONSULTANTS LLC 7/8/2009 H-5239 SAC NA

z DO, VANESSA 5/27/2010 H-36648 LA NA

z DOMINGUEZ, LUPE aka Ellie Dominguez 2/27/2009 H-35733 LA 01270843

z DONNELL, JASON 2/4/2009 H-35667 LA NA

z DORMAIER, SCOTT M 12/28/2009 H-36398 LA 01216603

z DUARTE, DAVID 3/26/2010 H-36548 LA NA

z DUNKELMAN, CHARLES MIKE 4/17/2009 H-35885 LA 00937450

z DYER BEECH ENTERPRISES INC 2/17/2009 H-35702 LA NA

z EDGERLY, JAMES E. 10/8/2009 H-10766 SF NA

z ELLIS, SEAN 1/25/2010 H-36421 LA NA

z ENCINAS, RUBY 3/9/2010 H-36505 LA NA

z ENCINAS, YVONNE 3/26/2010 H-36548 LA NA

z Envision Lending (dba of MENCANIN, STEVE) 1/13/2010 H-36417 LA NA

z EPSTEIN, MARILLE 1/25/2010 H-36421 LA 01736557

z ESCALANTE, GEORGE 2/17/2009 H-35705 LA NA

z ESCALANTE, GEORGE 7/16/2009 H-36123 LA NA

z ESCOBAR, MELISSA MARINA 4/19/2010 H-36589 LA 01781721

z ESPINOZA, ANA MICHELLE 10/1/2009 H-36289 LA 01414329

z ESPOSITO, MICHAEL 6/30/2009 H-3984 SD NA

z EUBANK, MEGAN 1/25/2010 H-36421 LA NA

z EVDJUKIAN, JOHN H. 4/19/2010 H-36589 LA NA

z EXPEDIA REALTY CORP 11/3/2009 H-4025 SD 01813355

z FAHRNY, TOM 5/12/2010 H-36633 LA NA

z Fair Lending Review LLC (dba of JONQUA, 

SEBASTIA) 7/28/2009 H-36138 LA NA

z FASTLINK FINANCIAL INC 6/5/2009 H-36031 LA 01779374

z FAYCON, EDDIE 11/24/2009 H-36367 LA NA

z FEDERAL HOUSING MODIFICATION 8/26/2009 H-4004 SD NA

z FEDERAL LOAN MODIFICATION 2/10/2009 H-35674 LA NA

z Federal Loan Modification (dba of ANZ, NABILE 

JOHN) 1/25/2010 H-36421 LA NA

z Federal Loan Modification Law Center (dba of 

ANZ, NABILE JOHN) 1/25/2010 H-36421 LA NA

z Federal Loan Modification Law Center, LLP (dba 

of ANZ, NABILE JOHN) 1/25/2010 H-36421 LA NA

z Federal Loan Modification, LLC (dba of ANZ, 

NABILE JOHN) 1/25/2010 H-36421 LA NA

z Federal Loan Modification, LLP (dba of ANZ, 

NABILE JOHN) 1/25/2010 H-36421 LA NA

z Federal Loan Modifications (dba of ANZ, NABILE 

JOHN) 1/25/2010 H-36421 LA NA

z FELDER, KAMALA 10/6/2009 H-2423 FR NA

z FERRUFINO, HENRY 8/12/2009 H-36173 LA NA

z FERRUFINO, JUAN CARLOS 8/12/2009 H-36173 LA 01206143

z FEUER, LONN 7/23/2009 H-10737 SF NA

z FIELDS, JOE 4/17/2009 H-35886 LA NA

z FIGUEROA, RUBY 10/23/2009 H-36319 LA NA

z FIMBRES, MIKE 3/18/2010 H-36513 LA NA

z FINANCIAL ALLIANCE GROUP 3/27/2009 H-10632 SF NA

z Financial Funding Network (dba of DINORAH INC) 2/4/2009 H-35669 LA 01277139

z Financial Funding Network (dba of DINORAH INC) 1/22/2009 H-35643 LA 01277139

z FINANCIAL INVESTMENTS SOLUTIONS CORP 6/9/2009 H-36040 LA 01838527

z FIRST HOUSING OF AMERICA INC 11/24/2008 H-35474 LA 01342467

z FIRST HOUSING OF AMERICA INC 12/30/2008 H-35571 LA 01342467

z FIRST MORTGAGE OF AMERICA INC 12/30/2008 H-35571 LA 01402136

z First Premier Capital Lending (dba of SYNERGY 

MORTGAGE SOLUTIONS INC) 4/19/2010 H-36589 LA 01515121

z FLETES, ISELA 3/12/2009 H-2362 FR NA

z FLM Law Center (dba of ANZ, NABILE JOHN) 1/25/2010 H-36421 LA NA

z FLORES, MARICARMEN 5/12/2009 H-35949 LA NA

z FLYNT, SUZETTE 7/8/2009 H-5239 SAC NA

z FOCUS CONSULTING SERVICES 8/5/2009 H-10744 SF NA

z FOLEY, MEAGHAN 6/30/2009 H-3984 SD 01819378

z FORBES, ERIN 1/16/2009 H-35628 LA NA

z Foreclosure Avoidance Network.com (dba of 

TUBBIOLA, MICHAEL) 6/18/2009 H-35789 LA NA

Desist and Refrain Orders and/or Accusations for Loan Modification Activities Page 4 of 14

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Case 2:09-cv-01810-WBS -CKD Document 71 Filed 07/28/10 Page 12 of 22
z Foreclosure Avoidance Network.com (dba of 

TUBBIOLA, MICHAEL) 6/19/2009 H-36065 LA NA

z Foreclosure Help Center, Inc (dba of DINORAH 

INC) 1/22/2009 H-35643 LA NA

z Foreclosure Help Center, Inc (dba of DINORAH 

INC) 2/4/2009 H-35669 LA 01277139

z FORECLOSURE KING INC 11/2/2009 H-2430 FR NA

z FORECLOSURE LEGAL SERVICES 9/2/2009 H-36217 LA NA

z Foreclosure Mediator Specialists (dba of BEST 

WAY MARKETING INC) 8/12/2009 H-36173 LA NA

z FORECLOSURE PROFESSIONALS INC 9/23/2009 H-2422 FR NA

z Foreclosure Specialists (dba of ESCALANTE, 

GEORGE) 2/17/2009 H-35705 LA NA

z FOX, CHRISTOPHER 6/25/2009 H-36083 LA NA

z FUENTES, SEBASTIAN E 2/22/2010 H-5348 SAC NA

z FULLER, KEVIN 7/16/2009 H-36122 LA NA

z GABLE, DIETER 7/29/2009 H-3995 SD NA

z GALVAN, PEDRO JR. 4/21/2010 H-2477 FR 01106204

z GARCIA, JACKIE 4/19/2010 H-36589 LA NA

z GARCIA, MARIA TERESA 9/9/2009 H-2419 FR NA

z GARCIA, MICHAEL 3/24/2009 H-5181 SAC 01259334

z GARCIA, MICHAEL 4/22/2009 H-5197 SAC 01259334

z GHAEMI, MOHAMMAD aka Ghaemi, Mohammad 

Michael and aka GTS, LLC 3/11/2009 H-35770 LA 01106546

z GHAZI, MASHEED S. 6/2/2009 H-36015 LA 01298133

z GIBBONS, DEREK JOHN 4/19/2010 H-36593 LA 01382273

z GIBBS, KEVIN RUSSELL 8/25/2009 H-5265 SAC NA

z GIBBS, TANYA 8/25/2009 H-5265 SAC NA

z GIGANTE MORTGAGE INC 2/25/2009 H-35730 LA 01777115

z GIGANTE REALTY 2/25/2009 H-35730 LA 01777114

z GIRARDIN, CHRISTIAN S. 4/9/2009 H-35851 LA 01043842

z GLADNEY, SIDNEY 5/19/2009 H-10690 SF NA

z GLOBAL AMERICA 3/29/2010 H-36555 LA NA

z Gold Key Funding (dba of DUNKELMAN) 4/17/2009 H-35885 LA 00937450

z Gold Key Funding (dba of MDHT CORPORATION) 4/17/2009 H-35885 LA 01517122

z Gold Key Properties (dba of DUNKELMAN) 4/17/2009 H-35885 LA 00937450

z Gold Key Properties (dba of MDHT 

CORPORATION) 4/17/2009 H-35885 LA 01517122

z GOLDEN CALIFORNIA REALTY & MORTGAGE 5/24/2010 H-36644 LA NA

z Golden Investment Group Ltd (dba of GOLDEN 

STATE DEBT MANAGEMENT GROUP) 12/3/2009 H-36371 LA NA

z GOLDEN STATE DEBT MANAGEMENT CORP 12/3/2009 H-36371 LA NA

z GOMEZ, SERGIO 4/19/2010 H-36589 LA NA

z GOMEZ, YIMI GEMER 6/9/2009 H-36040 LA 01221591

z GONZALES, HENRY 5/13/2009 H-35967 LA NA

z GONZALEZ, ANDRES 4/19/2010 H-36589 LA NA

z GONZALEZ, HUGO 5/24/2010 H-36645 LA NA

z GONZALEZ, JODI 4/19/2010 H-36589 LA NA

z GONZALEZ, PABLO RODOLFO 6/3/2009 H-3972 SD 00593610

z GONZALEZ, SARA 3/29/2010 H-36555 LA NA

z GONZALEZ, TAMARA 5/24/2010 H-36645 LA NA

z GRAND MASTERS LENDING INC 2/10/2009 H-35675 LA 01790109

z GREEN CREDIT SOLUTIONS INC 6/25/2009 H-36083 LA 01850648

z GREEN, MATT SHANE 8/19/2009 H-36184 LA 01314317

z GREEN, TERENCE 2/4/2009 H-35667 LA NA

z Greenleaf (dba of REFISOUP.COM INC) 11/17/2009 H-36357 LA 01851036

z GREENLEAF LEGAL SERVICES LLC 11/17/2009 H-36357 LA NA

z GREENLEAF LEGAL SERVICES LLC 8/25/2009 H-5265 SAC NA

z Greenleaf Modify (dba of UNITED STATES 

HOMEOWNERS RELIEF) 11/17/2009 H-36357 LA NA

z GREENLIGHT FINANCIAL SERVICES 4/19/2010 H-36593 LA NA

z GRUN, KAREN 8/25/2009 H-10759 SF NA

z Grupo Dominio LLC (dba of DELGADO, JORGE) 2/28/2010 H-36490 LA NA

z GTS Credit Services (dba of GHAEMI, 

MOHAMMAD) 3/11/2009 H-35770 LA NA

z GTS Credit Services (dba of GTS, LLC) 3/20/2009 H-35793 LA NA

z GTS, LLC 3/20/2009 H-35793 LA NA

z GUATEMALA, SARA 7/8/2009 H-36097 LA NA

z GUTIERREZ, ANGEL 6/8/2009 H-36034 LA NA

z GUTIERREZ, LEO 6/8/2009 H-36034 LA NA

z H. E. Service Company (dba LOPEZ, CESAR) 7/16/2009 H-36123 LA NA

Desist and Refrain Orders and/or Accusations for Loan Modification Activities Page 5 of 14

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Case 2:09-cv-01810-WBS -CKD Document 71 Filed 07/28/10 Page 13 of 22
z H. E. Service Company (dba of MENDOZA, 

SONIA) 7/16/2009 H-36123 LA NA

z HAAG, RICARDO 7/15/2009 H-2403 FR NA

z HAAG, RICHARD 8/12/2009 H-36173 LA NA

z HABOUD, MICHAEL 3/29/2010 H-36565 LA 01751175

z HANSON, TRICIA 7/28/2009 H-36138 LA NA

z HARRIS, MICHAEL ALLAN 9/15/2009 H-36241 LA 00991234

z HARRIS, MICHAEL ALLAN 11/3/2009 H-36241 LA 00991234

z HASOPPE, TODD 3/26/2009 H-5183 SAC NA

z HEIDEN, STEFFANIE 1/25/2010 H-36421 LA 01725122

z HENRY, E 6/9/2010 H-5406 SAC NA

z HERNANDEZ, DAGOBERTO 2/17/2010 H-36465 LA NA

z HERNANDEZ, JEFFREY 5/24/2010 H-36645 LA NA

z HERNANDEZ, JULIO C. 5/24/2010 H-36644 LA NA

z HERNANDEZ, JULIO CESAR 9/24/2009 H-36264 LA 01278490

z HERNANDEZ, PEDRO 6/10/2010 H-2493 FR 01258837

z HILL, MICHAEL J. 7/15/2009 H-36114 LA NA

z HINTZ, BRANDON 2/11/2009 H-5155 SAC NA

z HIRSCH, CHRISTOPHER J. 9/23/2009 H-2421 FR NA

z HISPANIC FAMILY OF CALIFORNIA, INC 12/23/2009 H-10821 SF NA

z HLH Group 9/28/2009 H-36277 LA NA

z HOLLEY, DEAN 3/12/2009 H-5176 SAC 01321141

z HOLLINGSWORTH, LOUIS 7/14/2009 H-36106 LA NA

z HOLMES, RODNEY 7/16/2009 H-36123 LA NA

z HOLT, MINDY SUE 3/9/2010 H-36505 LA 01126983

z HOME ADVANTAGE FUNDING GROUP INC 6/12/2009 H-36050 LA 01464883

z HOME FUNDING SOLUTIONS INC 7/28/2009 H-36135 LA 01401135

z HOME LOAN CONSULTANTS INC 1/8/2009 H-3887 SD 01362793

z HOME OWNERS ASSISTANCE 11/24/2008 H-35474 LA 01835400

z HOME OWNERS ASSISTANCE 12/30/2008 H-35571 LA 01835400

z HOME RELIEF SERVICES, LLC 2/4/2009 H-35667 LA NA

z Home Retention Solutions (dba of TUBBIOLA, 

MICHAEL) 6/19/2009 H-36065 LA NA

z Home Retention Solutions (dba of TUBBIOLA, 

MICHAEL) 6/18/2009 H-35789 LA NA

z HOME SOLUTIONS GROUP LLC 7/8/2009 H-5239 SAC NA

z HOMELOAN PRESERVATION 3/12/2009 H-5176 SAC NA

z HOMEOWNER'S ASSISTANCE SERVICES, LLC 3/9/2009 H-35758 LA NA

z HOMESAVORS ABATEMENT INC 7/14/2009 H-36106 LA NA

z HOMESAVORS INC 7/14/2009 H-36106 LA NA

z HOMESAVORS INC 4/16/2009 H-35881 LA NA

z HOMESAVORS INC 8/5/2009 H-36159 LA NA

z HOUSING ASSISTANCE LAW CENTER PA 8/25/2009 H-10759 SF NA

z HUGHBANKS, MELISSA 4/19/2010 H-36589 LA NA

z HULBERT, MICHAEL 3/26/2009 H-35819 LA 01237186

z HUNDLEY, ALFRED 5/24/2010 H-36645 LA NA

z HUNT, SCOTT 7/28/2009 H-36138 LA NA

z HURLBUT, TIMOTHY N. 7/30/2009 H-36147 LA 01711282

z iloanmod.com (dba of LOAN PROCESSING 

CENTER INC) 6/2/2009 H-36015 LA 01835742

z IMPRESA DEVELOPMENT CORPORATION 6/5/2009 H-36033 LA NA

z INFINITY GROUP SERVICES 12/28/2009 H-36398 LA 01417097

z Intellichoice Mortgage Services LLC (dba of those 

associated with H-3995 SD) 7/29/2009 H-3995 SD NA

z INVESTA CAPITAL GROUP, INC. 5/13/2010 H-10923 SF NA

z J. R. FINANCIAL 2/18/2009 H-5158 SAC NA

z JABER, SHAWN 1/25/2010 H-36421 LA NA

z JACABSON, JOHN 7/29/2009 H-3995 SD NA

z JACKSON, RANDY 1/25/2010 H-36421 LA NA

z JANSSEN, DAVID 4/19/2010 H-36589 LA NA

z JBC FINANCIAL SERVICES INC 7/8/2009 H-5239 SAC 01476645

z JC LENDING INC 9/24/2009 H-36264 LA 01348024

z JC RUIZ CAPITAL GROUP INC 6/9/2009 H-36039 LA 01835138

z JETER, RAYMOND LORENZO 12/31/2008 H-2329 FR 01449013

z JETER, RAYMOND LORENZO 11/30/2009 H-2329 FR 01449013

z JONES, DEON 6/14/2010 H-10960 SF 01409140

z JONES, JASON MICHAEL 3/13/2009 H-35778 LA 01712537

z JONQUA, SEBASTIAN 7/28/2009 H-36138 LA NA

z JTL MORTGAGE & REALTY INC 8/28/2009 H-36208 LA 01838235

z JW FINANCIAL SOLUTIONS 2/27/2009 H-5169 SAC NA

Desist and Refrain Orders and/or Accusations for Loan Modification Activities Page 6 of 14

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Case 2:09-cv-01810-WBS -CKD Document 71 Filed 07/28/10 Page 14 of 22
z K.N.C. FINANCIERA INC 11/2/2009 H-2429 FR NA

z KAHAIRI, ARASH 1/25/2010 H-36421 LA NA

z KANG, KYONG HUN 5/13/2010 H-10923 SF NA

z KAPLAN, ALLEN CARL 7/29/2009 H-2407 FR 01317985

z KARLA SHIPPEY ESQ 7/15/2009 H-2403 FR NA

z KELLER, KRIS 5/11/2009 H-35948 LA NA

z KENNEDY, JENNIFER 4/19/2010 H-36593 LA NA

z KI SYSTEMS, LLC 7/30/2009 H-5251 SAC NA

z KIM, JACOB 6/12/2009 H-36050 LA NA

z KIRKLAND, GENO 4/19/2010 H-36589 LA NA

z KOMINEK, LISA 11/3/2009 H-36241 LA NA

z KOMINEK, LISA 9/15/2009 H-36241 LA NA

z KORTAVA, DANIELLE 11/3/2009 H-4025 SD NA

z KORTAVA, LASHA P. 11/3/2009 H-4025 SD NA

z KULEE, COLONEL 3/26/2010 H-36548 LA NA

z LA RUFFA, BRIAN 6/25/2009 H-36083 LA NA

z LA, SEAN (aka LE, SEAN) 7/14/2009 H-36106 LA NA

z Land Mart Financial Services (dba of LANDMART 

FINANCIAL SERVICES INC) 7/8/2009 H-36097 LA NA

z LANDAVERDE, BEATRICE 4/19/2010 H-36589 LA NA

z Landmark Mortgage Services Inc (dba of 

TUBBIOLA, MICHAEL) 6/19/2009 H-36065 LA 01525748

z Landmark Mortgage Services, Inc 6/18/2009 H-35789 LA 01525748

z LANDMART FINANCIAL SERVICES INC 7/8/2009 H-36097 LA NA

z LE, SON THANH 8/3/2009 H-36150 LA 01249535

z LIONSTAR FINANCIAL LLC 12/3/2009 H-36372 LA NA

z LIZARRAGO, ANGELINE LISA 8/11/2009 H-10753 SF NA

z Loan Center Funding Inc (dba of NATIONWIDE 

HOME ASSISTANCE) 11/3/2009 H-36241 LA NA

z Loan Center Funding Inc (dba of NATIONWIDE 

HOME ASSISTANCE) 9/15/2009 H-36241 LA NA

z Loan Center Funding, Inc (dba of NATIONWIDE 

HOME ASSISTANCE) 3/26/2010 H-36548 LA NA

z Loan Fixers (dba of IMPRESA DEVELOPMENT 

CORPORATION) 6/5/2009 H-36033 LA NA

z Loan Modification Group (dba of NATIONAL 

FUNDING, LLC) 3/25/2009 H-35797 LA NA

z Loan Modification Solutions (dba of TUBBIOLA, 

MICHAEL) 6/19/2009 H-36065 LA NA

z Loan Modification Solutions (dba of TUBBIOLA, 

MICHAEL) 6/18/2009 H-35789 LA NA

z Loan Mods Plus (dba of NIVI INC) 9/15/2009 H-36240 LA 01853892

z LOAN PROCESSING CENTER INC 7/8/2009 H-5239 SAC 01835742

z LOAN PROCESSING CENTER INC 6/2/2009 H-36015 LA 01835742

z Loan Rescue USA (dba of TITAN DISH TV INC) 10/21/2009 H-36313 LA NA

z LOAN REVIEW INC 8/6/2009 H-5254 SAC 01524612

z Loanmodpro (dba of TUBBIOLA, MICHAEL) 6/18/2009 H-35789 LA NA

z Loanmodpro.com (dba of TUBBIOLA, MICHAEL) 6/19/2009 H-36065 LA NA

z LOCSIN, MARIA ELENA 4/16/2009 H-35880 LA 01821408

z LOISELLE, ROBERT 3/10/2010 H-36509 LA NA

z LONARDO, ROB 2/4/2009 H-35665 LA NA

z LOPEZ, CESAR 2/17/2009 H-35705 LA NA

z LOPEZ, CESAR 7/16/2009 H-36123 LA NA

z LOPEZ, MARU 2/17/2009 H-35705 LA NA

z LOPEZ, TRICIA DEINI 4/16/2009 H-5194 SAC 00856790

z Loss Mitigation (dba of FAHRNY, TOM) 5/12/2010 H-36633 LA NA

z LOSS MITIGATION LEGAL NETWORK, LLC 3/12/2009 H-5176 SAC NA

z Loss Mitigation Services Inc (dba of PERRY, 

MARION ANTHONY and BLAKE, REBECCA SUANNE) 4/10/2009 H-35856 LA NA

z LOSS MITIGATION SERVICES INC. 5/11/2009 H-35948 LA NA

z LOTTER, GERALD J. 6/12/2009 H-36050 LA 01443189

z LPC (dba of LOAN PROCESSING CENTER INC) 6/2/2009 H-36015 LA 01835742

z LUCIO, MICHAEL 6/8/2009 H-36034 LA NA

z LUGO, ANDREW 6/5/2009 H-36029 LA 01805170

z LUJAN, DIMITRI 1/25/2010 H-36421 LA NA

z LUPE DOMINGUEZ INC 2/27/2009 H-35733 LA NA

z LYNCH, IAN 4/16/2009 H-5194 SAC NA

z LYON, BRET 4/17/2009 H-35886 LA NA

z M&K FINANCIAL CORPORATION 12/22/2009 H-36394 LA NA

z MACHADO, IRMA 6/10/2010 H-2494 FR 01444167

z MACHADO, IRMA 6/10/2010 H-2493 FR 01444167

Desist and Refrain Orders and/or Accusations for Loan Modification Activities Page 7 of 14

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Case 2:09-cv-01810-WBS -CKD Document 71 Filed 07/28/10 Page 15 of 22
z MAESER, TRINA 4/16/2009 H-5194 SAC NA

z MAGLIO, VICTOR 6/3/2009 H-36019 LA 01768517

z MAHLER, DAVID B 3/10/2010 H-36509 LA NA

z MAJESTIC INVESTMENT GROUP 6/8/2009 H-36034 LA NA

z MALLORY, ALLAN 3/12/2009 H-5176 SAC NA

z MALUF, ZYAD 6/5/2009 H-36031 LA 01419990

z MARQUEZ, FRANCISCO 1/26/2010 H-36439 LA NA

z MARRERO, STEFANO JOSEPH 2/4/2009 H-35667 LA 01364211

z MARSHALL, VEE 5/18/2010 H-36639 LA NA

z MARTINEZ, NICK M 1/25/2010 H-36421 LA NA

z MARTINEZ, RAMIRO 4/19/2010 H-36589 LA NA

z MARTINEZ, RAUL 7/8/2009 H-36097 LA NA

z MARTINEZ, ROBERT 5/11/2009 H-35948 LA NA

z MARTINEZ, ROBERT 7/15/2009 H-36114 LA NA

z MASER, LOUIS 4/23/2009 H-5201 SAC 00471560

z MASER, LOUIS 4/23/2009 H-5200 SAC 00471560

z MCGINNIS, MEGAN 2/24/2010 H-36468 LA NA

z MCQUEEN, TYREE JAMES 10/19/2009 H-36306 LA 01415682

z MDHT CORPORATION 4/17/2009 H-35885 LA 01517122

z MEHTA, SUE 11/17/2009 H-36357 LA NA

z MEJIA, TERESA 2/10/2009 H-35678 LA 01775721

z MEJIA, TERESA 2/13/2009 H-35697 LA 01775721

z MEJIVAR, MARIBEL 3/9/2009 H-35758 LA NA

z MELCHOR, GABRIELA 10/23/2009 H-36319 LA NA

z MELGOZA, RICARDO 11/2/2009 H-2429 FR NA

z MELONE, CURTIS JAMES 6/25/2009 H-36083 LA 01391794

z MENCANIN, STEVE 1/13/2010 H-36417 LA NA

z MENDOZA, ESPERANZA SALOME 8/12/2009 H-36174 LA 01303861

z MENDOZA, SONIA 7/16/2009 H-36123 LA NA

z MENENDEZ, MARIA 12/3/2009 H-36371 LA 01749716

z MENENDEZ, MARIO 4/22/2009 H-35899 LA 01198677

z MERITAGE ENTERPRISES INC 3/15/2010 H-36511 LA NA

z MESUNAS, CHRISTOPHER JAMES 3/24/2009 H-5181 SAC 01242793

z MESUNAS, CHRISTOPHER JAMES 4/22/2009 H-5197 SAC 01242793

z METTERS, MAURICE 8/5/2009 H-36159 LA NA

z METTERS, RALPH 8/5/2009 H-36159 LA 01261850

z MEYER, LUIS 5/11/2009 H-35948 LA NA

z MICHAEL BARNETT INC 7/30/2009 H-36147 LA NA

z MINITER, BOAZ 1/25/2010 H-36421 LA NA

z MIRASOL, LEON 1/25/2010 H-36421 LA NA

z MISSILDINE, PHIL 3/26/2009 H-5183 SAC NA

z Mitigation Online Consultants (dba of LONARDO, 

ROB) 2/4/2009 H-35665 LA NA

z MOD SPECIALIST 6/14/2010 H-10960 SF NA

z MODCO LLC 1/16/2009 H-35628 LA NA

z MODIFICATION SERVICES INC 1/16/2009 H-35624 LA 01841919

z Modified Mortgage (dba of DESKTOP LOANS INC) 5/13/2009 H-35967 LA NA

z MOHR, RICHARD PETER 5/13/2009 H-35965 LA 00482323

z MOHR, RICHARD PETER 6/5/2009 H-36032 LA 00482323

z Money Management Services (dba of MONEY 

MANAGEMENT SERVICES INC) 3/13/2009 H-35779 LA NA

z MONEY MANAGEMENT SERVICES INC 3/13/2009 H-35779 LA NA

z MONTOYA, ANGELINA M. 4/19/2010 H-36589 LA NA

z MORA, FERNANDO 6/14/2010 H-10960 SF 01182164

z MORAIS, SCOTT 7/22/2009 H-5245 SAC NA

z MORRIS FINANCIAL SERVICES, INC 7/6/2010 H-36715 LA 01827926

z MORRIS, GREGORY SCOTT 7/6/2010 H-36715 LA 01823323

z MORRIS, MARY 8/5/2009 H-36159 LA NA

z MORRIS, RICHARD LEON 11/14/2008 H-35465 LA 00891802

z MORRIS, RICHARD LEON 10/30/2008 H-35431 LA 00891802

z MORTGAGE CONSULTING 1/21/2010 H-2441 FR NA

z MORTGAGE DELINQUENCY SOLUTIONS LLC 7/29/2009 H-2407 FR NA

z Mortgage Solutions Center (dba of PETTERSON, 

BRIAN CHARLES) 4/27/2009 H-35908 LA NA

z Mortgage Solutions Center, LLC (dba of 

COMPASS, JAMES) 4/27/2009 H-35908 LA NA

z Mortgageleadersedge.com (dba of QUINTERO, 

RONALD CLAUDE) 3/18/2009 H-35789 LA NA

z Mortgageleadersedge.com (dba of QUINTERO, 

RONALD CLAUDE) 3/27/2009 H-35820 LA NA

Desist and Refrain Orders and/or Accusations for Loan Modification Activities Page 8 of 14

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Case 2:09-cv-01810-WBS -CKD Document 71 Filed 07/28/10 Page 16 of 22
z MUNDLING, LISA 8/6/2009 H-5255 SAC NA

z MUNOZ, MARCO ANTONIO 11/24/2009 H-36367 LA 01718878

z MUNOZ, ROSALINDA 1/27/2010 H-2442 FR NA

z MURATALLA, ROBERT ANTHONY 9/30/2009 H-36288 LA 01157842

z MURPHY, CURTIS 3/26/2009 H-5182 SAC NA

z MURPHY, MARQUISE O. 10/8/2009 H-10767 SF NA

z NAIDU, RAM 7/8/2009 H-5239 SAC NA

z NATIONAL FINANCIAL ASSISTANCE LLC 6/9/2010 H-5406 SAC NA

z NATIONAL FORECLOSURE ADMINISTRATION, LLC 3/25/2009 H-35798 LA NA

z NATIONAL FUNDING, LLC 3/25/2009 H-35797 LA NA

z NATIONAL HOME SAVERS PRO, INC 2/24/2010 H-36468 LA NA

z NATIONAL IMPROVEMENT CENTER, INC 2/16/2010 H-36464 LA NA

z National Loan Modification Group (dba of 

NATIONAL FUNDING, LLC) 3/25/2009 H-35797 LA NA

z NATIONAL MORTGAGE BAILOUT INC. 4/21/2010 H-2478 FR NA

z NATIONAL PROCESSING SOLUTIONS INC 10/23/2009 H-36319 LA NA

z NATIONWIDE HOME ASSISTANCE 3/26/2010 H-36548 LA NA

z NATIONWIDE HOME ASSISTANCE 11/3/2009 H-36241 LA NA

z NATIONWIDE HOME ASSISTANCE 9/15/2009 H-36241 LA NA

z NATIONWIDE LOAN MODIFICATION SERVICES, 

LLC 4/16/2009 H-35879 LA NA

z Nationwideforeclosurebailout.com (dba of 

COMMUNITY HOUSING LAND DEVELOPMENT) 8/6/2009 H-5255 SAC NA

z NAVARETT, LINDSEY 7/28/2009 H-36138 LA NA

z NEEL, GERALD ALAN 5/13/2009 H-35967 LA 00936731

z NEGOTIATION CENTER OF AMERICA INC 3/26/2009 H-5183 SAC NA

z NELSON, DEVI JEAN 6/2/2009 H-3968 SD 01306408

z NEVAREZ, CORINNA 6/8/2009 H-36034 LA NA

z NEVINSON, ERIN 1/25/2010 H-36421 LA NA

z New Beginnings LMS (dba of FEUER, LONN and 

BARNHART CAPITAL GROUP INC) 7/23/2009 H-10737 SF NA

z NEW LEAF MODIFICATIONS INC 7/22/2009 H-5245 SAC NA

z NEW LOAN SOLUTIONS INC 3/12/2009 H-5176 SAC NA

z NEW MEDIA PROPERTIES INC. 5/12/2009 H-35947 LA NA

z NEW WORLD FINANCIAL SERVICES GROUP INC 3/17/2010 H-5360 SAC 01845608

z NEWPORT LENDING CORPORATION 8/19/2009 H-36184 LA 01444749

z Next Level Lending Co (dba of GRAND MASTERS 

LENDING INC) 2/10/2009 H-35675 LA 01790109

z NGUYEN, DAN THANH 3/9/2009 H-35758 LA 01274114

z NINO, JOSE 7/15/2009 H-2403 FR NA

z NIVI INC 9/15/2009 H-36240 LA 01853892

z No Me Quite Mi Casa (dba of HAAG, RICHARD) 8/12/2009 H-36173 LA NA

z NOE II, PAUL H. 5/24/2010 H-36645 LA NA

z NOE, JONATHAN 5/24/2010 H-36645 LA NA

z NORENO, LINA 5/24/2010 H-36645 LA NA

z NORRIS, LORETTA 3/9/2010 H-36505 LA NA

z North American Escrow (dba of POPE, PAUL N.) 12/17/2008 H-35549 LA 01379795

z North American Escrow (dba of POPE, PAUL N.) 3/19/2009 H-35502 LA 01379795

z North American Escrow (dba of POPE MORTGAGE 

& ASSOCIATES INC) 12/17/2008 H-35549 LA NA

z North American Escrow (dba of POPE MORTGAGE 

& ASSOCIATES, INC) 3/19/2009 H-35502 LA 01444782

z NORTON, DAVID 2/27/2009 H-5169 SAC NA

z NPS Today (dba of NATIONAL PROCESSING 

SOLUTIONS INC) 10/23/2009 H-36319 LA NA

z Ok to Walk (dba of TIM HURLBUT INC & ALAN 

VERZANI INC) 7/30/2009 H-36147 LA NA

z O'MEARA, THOMAS JOSEPH 1/29/2010 H-36443 LA 00899796

z OMEGA WEALTH NAVIGATORS, LLC 2/24/2010 H-36468 LA NA

z Omni Real Estate Network (dba of ZAKIR, ROB 

M.) 8/6/2009 H-3999 SD 01370255

z ORMOND, CHRISTINE 11/17/2009 H-36357 LA NA

z ORTEGA, HECTOR 11/3/2009 H-4025 SD NA

z ORTIZ, DIANA 4/19/2010 H-36589 LA 01712481

z PADILLA, FABIOLA TERESA 4/19/2010 H-36589 LA 01213886

z PALMER, DEBORAH JEAN 5/12/2009 H-35947 LA 01430553

z PAPIKE, ZACK 7/29/2009 H-3995 SD NA

z PEGASO REALTY INC 4/22/2009 H-35899 LA 01340879

z PENA, ROGER 10/23/2009 H-36319 LA NA

z PENSO HOLDINGS INC 4/9/2009 H-35852 LA NA

z PENSO, MARC 4/9/2009 H-35852 LA NA

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Case 2:09-cv-01810-WBS -CKD Document 71 Filed 07/28/10 Page 17 of 22
z Peoples First Financial (dba PEOPLES FIRST 

FINANCIAL INC) 1/13/2009 H-3896 SD NA

z PEOPLES FIRST FINANCIAL INC 1/13/2009 H-3896 SD 01768177

z PEOPLES FIRST FINANCIAL INC 6/2/2009 H-3968 SD 01768177

z PEOPLES FIRST FINANCIAL SERVICES 1/13/2009 H-3896 SD NA

z PEREZ, ARCY 10/23/2009 H-36319 LA NA

z PEREZ, DAVID 4/19/2010 H-36589 LA NA

z PEREZ, JOSE ARMANDO 5/24/2010 H-36645 LA NA

z PERRY, BERNADETTE 5/11/2009 H-35948 LA NA

z PERRY, MARION ANTHONY 4/10/2009 H-35856 LA 01301166

z PERRY, MARION ANTHONY 5/11/2009 H-35948 LA 01301166

z PERRY, TONY 7/15/2009 H-36114 LA NA

z PETTERSON, BRIAN CHARLES 4/27/2009 H-35908 LA 01363823

z PHILIPS, KYLE 8/6/2009 H-36164 LA NA

z PIENIAZEK, LESLIE 5/11/2009 H-35948 LA NA

z PINNACLE HOLDINGS INVESTMENT GROUP INC 8/25/2009 H-5265 SAC 01813869

z PONGRU, TOM aka PONGRUJAPORN, TOM 3/4/2009 H-10619 SF NA

z PONGRU, TOM aka PONGRUJAPORN, TOM aka 

PONGRUJAPORN, YUATANA 6/26/2009 H-10619 SF NA

z Pope & Associates (dba of POPE FINANCIAL 

CENTER INC) 12/17/2008 H-35549 LA NA

z Pope & Associates (dba of POPE FINANCIAL 

CENTER, INC) 3/19/2009 H-35502 LA 01524994

z POPE FINANCIAL CENTER INC 12/17/2008 H-35549 LA 01524994

z POPE FINANCIAL CENTER, INC 3/19/2009 H-35502 LA 01524994

z Pope Mortgage & Associates (dba of POPE 

MORTGAGE & ASSOCIATES INC) 12/17/2008 H-35549 LA 01444782

z Pope Mortgage & Associates (dba of POPE 

MORTGAGE & ASSOCIATES, INC) 3/19/2009 H-35502 LA 01444782

z Pope Mortgage & Associates (dba of POPE, PAUL 

N.) 3/19/2009 H-35502 LA 01379795

z POPE MORTGAGE & ASSOCIATES INC 3/19/2009 H-35502 LA 01444782

z POPE MORTGAGE & ASSOCIATES INC 12/17/2008 H-35549 LA 01444782

z Pope Mortgage & Associates Realty (dba of POPE, 

PAUL N.) 3/19/2009 H-35502 LA 01379795

z Pope Mortgage & Associates Realty (dba of POPE, 

PAUL N.) 12/17/2008 H-35549 LA 01379795

z Pope Mortgage (dba of POPE MORTGAGE & 

ASSOCIATES, INC) 3/19/2009 H-35502 LA 01444782

z Pope Real Estate (dba of POPE MORTGAGE & 

ASSOCIATES INC) 12/17/2008 H-35549 LA 01444782

z Pope Real Estate (dba of POPE MORTGAGE & 

ASSOCIATES, INC) 3/19/2009 H-35502 LA 01444782

z Pope Realty & Mortgage (dba of POPE, PAUL N.) 12/17/2008 H-35549 LA 01379795

z Pope Realty & Mortgage (dba of POPE, PAUL N.) 3/19/2009 H-35502 LA 01379795

z POPE, PAUL N. 3/19/2009 H-35502 LA 01379795

z POPE, PAUL N. 12/17/2008 H-35549 LA 01379795

z PORTER, DONNA 3/12/2009 H5176 SAC NA

z PORTIER, BRETT 7/28/2009 H-36138 LA NA

z POSITIVE EQUITY PARTNERS FINANCIAL 

EDUCATION WORKSHOPS 5/18/2010 H-36639 LA NA

z Preferred (dba of CAPITAL DIRECT LENDING 

CORPORATION) 3/26/2009 H-35819 LA NA

z PRESERVING YOUR HOME AND DREAMS 3/12/2009 H-2362 FR NA

z PRG SYSTEMS 6/3/2009 H-3972 SD NA

z PRG$ INVESTMENTS 6/3/2009 H-3972 SD NA

z PRG$SYSTEMS 6/3/2009 H-3972 SD NA

z Priam Financial Services (dba of MORRIS 

FINANCIAL SERVICES, INC) 7/6/2010 H-36715 LA 01827926

z PRIDE FINANCIAL GROUP 4/19/2010 H-36593 LA 01837977

z Prime Housing Assistance, Inc (dba of 

HERNANDEZ, DAGOBERTO) 2/17/2010 H-36465 LA NA

z Professional Filing Service (dba of 

PROFESSIONAL FILING SERVICES INC) 2/27/2009 H-35733 LA NA

z PROFESSIONAL FILING SERVICES, INC 2/27/2009 H-35733 LA NA

z Prominent Financial Solutions (dba of FINANCIAL 

INVESTMENTS SOLUTIONS CORP) 6/9/2009 H-36040 LA 01838527

z Prominent Financial Solutions (dba of JC RUIZ 

CAPITAL GROUP INC) 6/9/2009 H-36039 LA NA

z Properties by Dinorah (dba of DINORAH INC) 1/22/2009 H-35643 LA 01277139

z Properties by Dinorah (dba of DINORAH INC) 2/4/2009 H-35669 LA 01277139

z PROPERTY LINE INVESTMENTS, LLC 10/14/2008 H-5080 SAC NA

z PUNZALAN, GAIL ROY 4/19/2010 H-36589 LA NA

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Case 2:09-cv-01810-WBS -CKD Document 71 Filed 07/28/10 Page 18 of 22
z Quickloan2u.net (dba of PONGRU, TOM) 3/4/2009 H-10619 SF NA

z QUINONEZ, JOSE 2/17/2009 H-35705 LA NA

z QUINTERO, RONALD CLAUDE 3/27/2009 H-35820 LA 00866484

z QUINTERO, RONALD CLAUDE 3/18/2009 H-35789 LA 00866484

z R N B Financial (dba of MODIFICATION SERVICES 

and ROBBINS, RONALD JOHN) 1/16/2009 H-35624 LA 00418945

z R&C RESOLUTION SERVICES 1/27/2010 H-2442 FR NA

z RADOGNA, JAMES 11/3/2009 H-36241 LA NA

z RADOGNA, JAMES 9/15/2009 H-36241 LA NA

z RADOGNA, JAMES 3/26/2010 H-36548 LA NA

z RAMIREZ, ALMA 7/8/2009 H-36097 LA NA

z RAMIREZ, ARMANDO 4/17/2009 H-35886 LA NA

z RAMIREZ, MARCO 12/22/2009 H-36394 LA NA

z REED, JOSHUA 1/25/2010 H-36421 LA NA

z REED, TRACEY LYNN 2/11/2009 H-5155 SAC 01253431

z REFISOUP.COM INC 11/17/2009 H-36357 LA 01851036

z RESOLUTION MORTGAGE GROUP 8/6/2009 H-5254 SAC NA

z REYES, DANIEL 7/15/2009 H-36114 LA NA

z REYES, HECTOR E 2/22/2010 H-5348 SAC NA

z REYES, RAY 7/15/2009 H-36114 LA NA

z REYES, REY 5/11/2009 H-35948 LA NA

z REYN, RASHA 2/25/2009 H-35730 LA 01823193

z REYN, RASHA 3/25/2009 H-35806 LA 01823193

z REYNOSO, HECTOR 5/6/2009 H-35931 LA NA

z RIESS, JOHN A. 2/18/2009 H-5158 SAC NA

z RIVERA, DAMARIS 10/8/2009 H-10767 SF NA

z RIVERA, JOSE H. 10/6/2009 H-2423 FR NA

z RIVERA, NORMA 10/6/2009 H-2423 FR NA

z RMR GROUP 7/15/2009 H-2403 FR NA

z Rob Lonardo Consulting and Productions Inc (dba 

of LONARDO, ROB) 2/4/2009 H-35665 LA NA

z ROBBINS, RONALD JOHN 1/16/2009 H-35624 LA 00418945

z ROBERTS, KEVIN JAMES 7/15/2009 H-10723 SF 00858916

z ROBERTS, SEAN R. 1/9/2009 H-35600 LA 01142295

z ROBINSON, SHAWN 10/19/2009 H-36306 LA NA

z RODRIGUEZ, ALBERT 3/9/2010 H-36505 LA NA

z RODRIGUEZ, ANNA 5/24/2010 H-36645 LA NA

z RODRIGUEZ, EDGAR CLARA 3/4/2009 H-35749 LA NA

z RODRIGUEZ, GINA 7/30/2009 H-5250 SAC NA

z RODRIGUEZ, GINA 7/30/2009 H-5251 SAC NA

z RODRIGUEZ, IVAN 9/2/2009 H-36217 LA NA

z RODRIGUEZ, KATHY 2/3/2010 H-36453 LA NA

z RODRIGUEZ, LINDA 7/15/2009 H-2403 FR NA

z RODRIGUEZ, RICK 4/19/2010 H-36589 LA NA

z ROJANO, MIGUEL 3/9/2009 H-35758 LA NA

z ROMO, CANDIDA 12/3/2009 H-36371 LA NA

z ROSEVILLE FEDERAL MORTAGE 5/12/2010 H-5390 SAC NA

z ROSOFSKY, GLENN 8/26/2009 H-4004 SD NA

z ROSOW, PAUL 4/16/2009 H-35879 LA NA

z RPM Real Estate Services (dba of MOHR, 

RICHARD PETER) 5/13/2009 H-35965 LA NA

z RPM Real Estate Services (dba of MOHR, 

RICHARD PETER) 6/5/2009 H-36032 LA 00482323

z RUDY J. CALDERON AND ASSOCIATES 11/2/2009 H-2430 FR NA

z RUIZ, JOSE LUIS 1/13/2010 H-4061 SD 01384374

z RUSH, WILL 4/19/2010 H-36589 LA NA

z RUSSELL, MARK B. 1/15/2009 H-35619 LA 01137709

z RUSSELL, MARK S. 1/16/2009 H-35628 LA NA

z S & E PRIME INVESTMENTS INC 10/19/2009 H-36306 LA NA

z SABARRA, RANDY 7/29/2009 H-3995 SD NA

z SABEDRA, MICHAEL LOUIS CURTIS 3/25/2009 H-35798 LA 01839206

z SADAK, ALEX 1/15/2009 H-35619 LA NA

z SAFEHOUSE 911, LLC 3/13/2009 H-35779 LA NA

z Safehouse and Loan Modifications 360 (dba of 

MONEY MANAGEMENT SERVICES INC) 3/13/2009 H-35779 LA NA

z SAFEHOUSE PROFESSIONAL MORTGAGE 

RESTRUCTURING YOUR HOUSE 911 3/13/2009 H-35779 LA NA

z SALLIS, O'DELL 8/6/2009 H-5255 SAC NA

z SAN JOAQUIN REAL ESTATE & FINANCIAL 

SERVICES INC 6/10/2010 H-2494 FR NA

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Case 2:09-cv-01810-WBS -CKD Document 71 Filed 07/28/10 Page 19 of 22
z SANCHEZ, JUAN 1/25/2010 H-36421 LA NA

z SANDERS, BILLIE JOYCE 3/17/2010 H-5360 SAC 00309382

z SANDOVAL, JENNY 5/24/2010 H-36645 LA 01838355

z SANDOVAL, MIREYA 8/12/2009 H-36175 LA NA

z SANI, AMIR 6/2/2009 H-3968 SD 01329856

z SANTANA, JAMES ALFRED 6/9/2009 H-36039 LA 01194777

z SANTIAGO, DENNIS 8/5/2009 H-10744 SF NA

z SARPAS, AMIN 11/17/2009 H-36357 LA NA

z SARPAS, HAKIMULLAH 4/10/2009 H-35854 LA 01808057

z SARPAS, HAKIMULLAH 8/6/2009 H-36164 LA 01808057

z SARPASS, DAVID 11/17/2009 H-36357 LA NA

z SAVING HOMES FIRST CORP 7/22/2009 H-5244 SAC NA

z SAVING THE AMERICAN DREAM INC 9/30/2009 H-36288 LA 01525562

z SAWYER, MARK ANTHONY 7/15/2009 H-10725 SF NA

z SBLC CONSULTANTS LLC 12/21/2009 H-5319 SAC NA

z SCHLAEGEL, JOEY M. 7/22/2009 H-5245 SAC NA

z SCRUGGS, ASHLEIGH 11/3/2009 H-4025 SD NA

z SEGURA, OMAR 4/19/2010 H-36589 LA 01761771

z SHAFER, DEAN 5/11/2009 H-35948 LA NA

z SHIPPEY & ASSOCIATES, P.C. 7/15/2009 H-2403 FR NA

z SHORTREFINOW.COM 2/11/2009 H-5155 SAC NA

z SIANEZ, RICHARD 8/12/2009 H-36172 LA NA

z SIEGMAN, MICHAEL D. 10/21/2009 H-36313 LA NA

z SIGNORELLI, THOMAS AARON 1/15/2009 H-35619 LA 01430943

z SIMON, BARBARA 5/12/2010 H-5390 SAC NA

z SIMS, MICHAEL STANLEY 6/3/2009 H-36019 LA NA

z SINGER & VENTURA, LLP 4/21/2010 H-2478 FR NA

z SLEDGE, DAVID 2/3/2010 H-36453 LA NA

z SMALL, PATRICK B 8/19/2009 H-36186 LA 01301555

z SMITH, GEOFFREY 3/5/2009 H-5172 SAC NA

z SMITLEY, DAVID 5/12/2010 H-5390 SAC NA

z SOLORZANO, SALVADOR 10/8/2009 H-10767 SF NA

z SOLUCIONES DINAMICAS, INC 6/26/2010 H-36704 LA NA

z SOUBLIS, PEGGY 7/28/2009 H-36138 LA NA

z SPEAKMAN, JOSEPH DENNIS 7/29/2009 H-2408 FR 01480280

z SPENCER, SCOTT 3/13/2009 H-35779 LA NA

z STATEWIDE FINANCIAL GROUP INC 2/3/2010 H-36453 LA NA

z Statewide Financial Group Inc (dba of SARPAS, 

HAKIMULLAH) 8/6/2009 H-36164 LA NA

z STEPHENSON, ELKE 7/15/2009 H-10725 SF NA

z STERN, ADAM 1/25/2010 H-36421 LA NA

z STRICKLAND, LEROY 3/9/2010 H-36505 LA NA

z SUMMIT LENDING CORP, a Florida Corporation 2/22/2010 H-5348 SAC NA

z SYNERGY FINANCIAL MANAGEMENT 

CORPORATION 7/15/2009 H-36114 LA 01308653

z SYNERGY MORTGAGE SOLUTIONS INC 4/19/2010 H-36589 LA 01515121

z SZABO, FRANK J. 4/28/2010 H-36619 LA NA

z TAF GROUP, LLC 5/12/2010 H-36633 LA NA

z TALAVERA, JORGE 8/28/2009 H-36208 LA 01279511

z TALAVERA, JORGE 8/28/2009 H-36209 LA 01279511

z TELLEZ, BRENDA 10/23/2009 H-36319 LA 01141420

z TESHERA, JEFFREY 3/17/2010 H-5360 SAC NA

z The Enterprise Zone Inc (dba of EDGERLY, JAMES 

E.) 10/8/2009 H-10766 SF NA

z THE FIRM-LOANS INSURANCE & INVESTMENTS 

INC 11/14/2008 H-35465 LA 01799665

z THE FIRM-LOANS INSURANCE & INVESTMENTS 

INC 10/30/2008 H-35431 LA 01799665

z The Mortgage Modification Center (dba of 

VERDEO FUNDING INC) 2/10/2009 H-5153 SAC 01443764

z THE REAL ESTATE LIFE INC 9/15/2009 H-36241 LA NA

z THERIAULT, SCOTT 7/14/2009 H-36107 LA NA

z THERIAULT, SCOTT 9/2/2009 H-36107 LA NA

z THOUREN, CORY 8/6/2009 H-5254 SAC NA

z Tilt Financial (dba of JONQUA, SEBASTIA) 7/28/2009 H-36138 LA NA

z Tilt Financial Inc (dba of JONQUA, SEBASTIA) 7/28/2009 H-36138 LA NA

z TIM HURLBUT INC 7/30/2009 H-36147 LA NA

z TIMELENDER, LLP 5/24/2010 H-36644 LA NA

z TITAN DISH TV INC 10/21/2009 H-36313 LA NA

z TOBIN, COREY 9/15/2009 H-36241 LA NA

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Case 2:09-cv-01810-WBS -CKD Document 71 Filed 07/28/10 Page 20 of 22
z TOBIN, COREY 11/3/2009 H-36241 LA NA

z TORO, DEAN ERIC 12/30/2008 H-35571 LA 00966784

z TORO, DEAN ERIC 11/24/2008 H-35474 LA 00966784

z TORRES, ANTONIO GARNICA 7/8/2009 H-5239 SAC 01374294

z TRAP, MICHAEL A 8/26/2009 H-4004 SD 01294151

z TRENT, MICHAEL 1/25/2010 H-36421 LA NA

z TRIBECA FINANCIAL INC 10/8/2009 H-10767 SF NA

z TRIPOLI ASSOCIATES INC 7/8/2009 H-5239 SAC NA

z TUBBIOLA, MICHAEL 6/18/2009 H-35789 LA 01371353

z TUBBIOLA, MICHAEL 6/19/2009 H-36065 LA 01371353

z TURNER, TRENT 3/9/2010 H-36505 LA NA

z TURWEST FINANCIAL INC 3/13/2009 H-35778 LA NA

z U.S. Home Solutions (dba of FAHRNY, TOM) 5/12/2010 H-36633 LA NA

z UFS EAGLES INC. 5/24/2010 H-36645 LA NA

z UNITED FIRST INC. 5/24/2010 H-36645 LA NA

z United Security Services Inc (dba of ZAKIR, ROB 

M.) 8/6/2009 H-3999 SD 01521716

z UNITED STATES HOMEOWNERS RELIEF 11/17/2009 H-36357 LA NA

z US CONSUMER BAILOUT SERVICES LLC 3/17/2009 H-3930 SD

z US FORECLOSURE RELIEF CORPORATION 7/16/2009 H-36123 LA NA

z US Homeowner Assistance Inc (dba of SARPAS, 

HAKIMULLAH) 8/6/2009 H-36164 LA NA

z US Homeowners Assistance Inc (dba of 

STATEWIDE FINANCIAL GROUP INC) 2/3/2010 H-36453 LA NA

z US MORTGAGE FUNDING INC 3/10/2010 H-36509 LA NA

z USA MORTGAGE AID INC 3/18/2010 H-36513 LA NA

z Usmodifiedloan.com (dba of ZAKIR, ROB M.) 8/6/2009 H-3999 SD 01521716

z VALDIVIA, CESAR A. 11/24/2009 H-36367 LA 01516538

z VALDOVINO, HECTOR 7/22/2009 H-5244 SAC NA

z VALENCIA, FRANCISCO 7/8/2009 H-36097 LA NA

z VASQUEZ, EDDIE 4/19/2010 H-36589 LA NA

z VELAZQUEZ, CARL 4/17/2009 H-35886 LA NA

z VERDEO FUNDING INC 2/10/2009 H-5153 SAC 01443764

z VERZANI, ALAN 7/30/2009 H-36147 LA NA

z VILLAPANDO, RAY 10/23/2009 H-36319 LA NA

z VILLASENOR, ANTHONY 7/8/2009 H-5239 SAC NA

z VINSON, TANYA 6/30/2009 H-3984 SD NA

z VIRGIL, TAMMY 7/16/2009 H-36123 LA NA

z WALKER, STEVE 7/29/2009 H-3995 SD NA

z Wall Street Financial (dba of WALL STREET 

FINANCIAL, LLC) 3/25/2009 H-35806 LA NA

z WALL STREET FINANCIAL, LLC 3/25/2009 H-35806 LA NA

z WARD, WILLIAM 9/24/2009 H-36263 LA NA

z WASHINGTON, DARRYL 1/25/2010 H-36421 LA NA

z WAYMAN, MICHAEL BAILLIE 3/13/2009 H-35779 LA NA

z WEBB, BILL 5/6/2009 H-35927 LA NA

z WELSH, ELIZABETH 3/26/2009 H-5182 SAC NA

z Wespac Solutions LLC (dba of BRACKETT, 

THERIAULT and/or ALLEN) 7/14/2009 H-36107 LA NA

z Wespac Solutions LLC (dba of THERIAULT, 

SCOOT & ALLEN, ROBERT) 9/2/2009 H-36107 LA NA

z WHEELER, DAVID WAYNE 7/29/2009 H-2407 FR 01092503

z WHEELER, JESSE 2/27/2009 H-5169 SAC NA

z WHITE, HOPE 8/6/2009 H-5255 SAC 01791602

z WHITFIELD FINANCIAL SERVICES INC 12/30/2008 H-2328 FR 01792203

z WHITFIELD FINANCIAL SERVICES INC 12/31/2008 H-2329 FR 01792203

z WHITFIELD FINANCIAL SERVICES INC 11/30/2009 H-2329 FR 01792203

z WIGGINS, JAMES 7/14/2009 H-36106 LA NA

z WILLES, DALE 7/8/2009 H-5239 SAC 01422627

z WILLES, JEREMY TODD 7/8/2009 H-5239 SAC 01389869

z WILLIAMS, DAVID MEREDITH 2/10/2009 H-5153 SAC 01345114

z WILLIS, RODERICK DWAYNE 3/17/2009 H-3930 SD

z WINKEL & ASSOCIATES LLC 2/17/2009 H-35702 LA NA

z WINKEL, ALAN 2/17/2009 H-35702 LA NA

z WOODARD, PETER J. 10/14/2008 H-5080 SAC NA

z WOODS, JUDI L. 4/19/2010 H-36589 LA 01245008

z WOODS, SCOTT 4/23/2009 H-5201 SAC 01761841

z WOODS, SCOTT 7/30/2009 H-5251 SAC 01761841

z WOODS, SCOTT 4/23/2009 H-5200 SAC 01761841

z WOODS, SCOTT 7/30/2009 H-5250 SAC 01761841

Desist and Refrain Orders and/or Accusations for Loan Modification Activities Page 13 of 14

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Case 2:09-cv-01810-WBS -CKD Document 71 Filed 07/28/10 Page 21 of 22
z WORLD FINANCIAL INVESTMENTS CORP 3/29/2010 H-36565 LA NA

z XAVIER, CARLOS 3/29/2010 H-36555 LA NA

z YANG, BRANDON 7/8/2009 H-5239 SAC NA

z YARANDI, SIMON 11/17/2009 H-36357 LA NA

z YORBA, LEAH 7/16/2009 H-36123 LA NA

z YOUR PROPERTY CONNECTION INC 3/26/2009 H-5182 SAC NA

z ZAKIR, ROB M. 8/6/2009 H-3999 SD 01370255

z ZAMANI, KAHRAM 12/28/2009 H-36398 LA 01207633

z ZAMBRANO, ARGELIA 6/26/2010 H-36704 LA NA

z ZARBO, CHRISTOPHER ANTHONY 4/19/2010 H-36589 LA 01747323

z ZENTNER, KEVIN 3/12/2009 H-2361 FR 01469808

z ZENTNER, KEVIN 3/12/2009 H-2362 FR 01469808

z ZEPEDA, ANTONIO 2/10/2009 H-35675 LA 01102316

z ZEPEDA, JORGE 11/2/2009 H-2429 FR NA

z ZUBIRYOR PROPERTIES 3/5/2009 H-5172 SAC NA

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Desist and Refrain Orders and/or Accusations for Loan Modification Activities Page 14 of 14

http://www.dre.ca.gov/cons_drs.asp 7/27/2010

Case 2:09-cv-01810-WBS -CKD Document 71 Filed 07/28/10 Page 22 of 22