EXHIBIT #1

Case 2:14-cv-13056-SJM-MJH ECF No. 1-1 filed 08/07/14 PageID.28 Page 1 of 3
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..0RLANSAS30PIATES,P.C. —7f=

// . Troy, Michigan 48007

ORV-/I VL-TaI LANSNVii/ ^ www.Orlans.coniT P(2^) 502-1400 >(248)502-1401

IF YOU ARE CURRENTLYIN BANKRUPTCY OR HAVE RECEIVED A DISCHARGE IN

BANKRUPTCY AS TO THIS OBLIGATION, THIS COMMUNICATION IS INTENDED FOR

INFORMATIONAL PURPOSES ONLY AND IS NOT AN ATTEMPT TO COLLECT A DEBT IN

VIOLATION OF THE AUTOMATIC STAY OR THE DISCHARGE INJUNCTION. IN SUCH

CASE, PLEASE DISREGARD ANY PART OF THIS COMMUNICATION WHICH IS

INCONSISTENT WTTH THE FOREGOING.

OTHERWISE, FEDERAL LAW REQUIRES US TO ADVISE YOU THAT COMMUNICATION

FROM OUR OPnCE COULD BE INTERPRETED AS AN ATTEMPT TO COLLECT A DEBT

AND THAT ANY INFORMATION OBTAINEDMAY BE USED FORTHATPURPOSE

IF YOU ARE NOW ON ACUVE MILITARY DUTY OR HAVE BEEN IN THE PRIOR TWELVE

MONTHS, PLEASE CONTACT OUR OFFICE AS YOU.MAY BE ENTITLED TO THE

BENEFITS OF THE SERVICEMEMBERS' CWIL RELIEF ACT.

Decerabe/l8, 2013

RobertJ Lobert

File Number:

Dear RobertJ Lobert

This ofBcerepresentsSdect Portfolio Servicing,Inc., which Is the creditorto whomyour mortgage debtis

owed or theservicing agentfor the creditor to whomthe debt is owed. The creditor hasreferredthis matter

to thisoffice withInstructions to startproceedingsto foreclose themortgage located at:

As of December 10,2013, the TOTAL PAYOFF is $211,813.38

BeAdvised thisis NOTa Payoffquote or an attempt tocollect a debt.

Under theterms ofyour mortgage, the creditor hereby elects toaccelerate thetptal iiidebtedness. You may

have therightto reinstate themortgage, subjectto thecreditor's approval by paying all pastdue

installments, late charges, delinquenttaxes,Insurance premiums, costsandfeesincurred in theforeclosure.

Requests forreinstatement information mustbe received beforethedate ofthesherlif's sale.To request

reinstatement information, contact ourLoan Resolution Department at (248) 502-1400, oremail at

relnstatements@orlans.com. Please leave your loan information and mailingaddresswith ourautomated

service. A representative will contact you via mailor phonewithinfive businessdays.

The debt describedabovewill be assumedto be valid bythis office,the creditor's law firm, unlessyou, the

ddjtor/consumer, within thirty(30) daysafterthereceipt ofthisnotice, dispute thevalidity ofthedebtor

some portion thereof. Ifyou notifythisofHce inwriting, within thirty (30) days of thereceipt of thisnotice, that the debt, or any portion thereof, isdisputed, we will obtabi ave^icatlon ofthe debt and acopy ofthe

verification will be mailed toyou. If the debt is basedon aJudgment, a copyof theJudgment wHl be

providedfor you, upon request

-/231/FOP

Case 2:14-cv-13056-SJM-MJH ECF No. 1-1 filed 08/07/14 PageID.29 Page 2 of 3
' fax no. ;5867774778 Jul. 07 2014 0l:54PM P3

Ifthe creditor named In paragraph one ofthis letter is noi the original creditor, and Ifyou make awiK)n request to this office wUhln tWriy (30) days from the t'ftce ipt ofthis notice, the name and address of the

original creditor willtwmailed toyou.

Ifyou have been discharged from personal UabUl'ty on th =mortgage bccause of bankruptcy proceedings, thisletter Is not, and should not bo construed to be an atti mpl to cdlect adebtfrom you personallyi but

only enforcement ^ aIlea against the property.

Veiytridy yours,

Orlans A^clates, P.C.

/-/23)/POP

Case 2:14-cv-13056-SJM-MJH ECF No. 1-1 filed 08/07/14 PageID.30 Page 3 of 3