WFHM

8480 Stagecoach Circle

Frederick, MD 21701-4747

wellsfargo.com

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.

 Fax: (866) 278-1179 

 Telephone: (800) 416-1472 

 Correspondence: PO Box 10335 

 Des Moines, IA 50306 

 Hours of Operation: Mon-Fri, 6 AM - 10 PM 

 Sat, 8 AM - 2 PM CT 

February 17, 2012 

Loan Number: 0143369122

Property Address: 561 Sw 60 Ave

 Plantation FL 33317

 

Ralph L Sanders 

561 SW 60 Ave 

Plantation FL 33317 

 

Subject: Home Affordable Modification Program 

 

Dear Ralph L Sanders : 

 

We're writing to provide you with the results of our efforts to find a 

solution that might help with the mortgage payment challenges you're 

facing. 

 

Decision on the Federal Government's Home Affordable Modification Program 

Unfortunately, after carefully reviewing the information you've provided, 

we are unable to adjust the terms of your mortgage. There are additional liens 

on your property that prevent us from completing your request for mortgage 

assistance. 

 

If you'd like to discuss why your loan was not approved under the Home 

Affordable Modification Program, or find out about other options that 

may be available to you, it's critical that you contact us within 30 

days of this letter. 

 

During this 30 day period a foreclosure sale on your home will not be 

scheduled if permitted by state law. Please understand that you may 

continue to receive letters and phone calls related to foreclosure 

during this time. 

 

Additional assistance is available 

If monthly expenses other than your mortgage payment are creating part 

of your financial strain, we encourage you to contact a HUD-approved, 

non-profit, community based Credit Counseling agency who can work with 

you, at no charge, to lower your other monthly payments. You can find a 

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local agency by calling (800) 569-4287 or call the HOPE Hotline Number at

(888) 995-HOPE. A counselor will work closely with you, take your financial

circumstances into consideration, create a budget plan that may work 

for you and provide assistance in understanding the Borrower Notice 

by asking for Making Home Affordable HELP. 

 

Be sure to avoid anyone who asks for a fee for counseling or a loan 

modification, or asks you to sign over the deed to your home, or to make 

your mortgage payments to anyone other than Wells Fargo Home Mortgage. 

 

If you have any questions about the decision we've made on your 

mortgage request, please call a Wells Fargo Home Mortgage representative 

at the number listed in the account information section. We'd also like 

to hear from you if any of your circumstances have changed, or if you can 

provide us with additional information for consideration. 

 

Sincerely, 

Wells Fargo Home Mortgage 

Fax: 1-866-590-8910 

 

This communication is an attempt to collect a debt and any information 

obtained will be used for that purpose. However, If you have received a 

discharge of this debt in bankruptcy or are currently in a bankruptcy 

case, this notice is not intended as an attempt to collect a debt and, 

this company has a security interest in the property and will only 

exercise its rights as against the property. 

 

With respect to those loans in the state of California, the state 

Rosenthal Fair Debt Collection Practices Act and the Federal Fair Debt 

Collection Practices Act require that, except under unusual circumstances 

collectors may not contact you before 8 a.m. or after 9 p.m. They may not 

harass you by using threats of violence or arrest or by using obscene 

language. Collectors may not use false or misleading statements or call 

you at work if they know or have reason to know that you may not receive 

personal calls at work. For the most part, collectors may not tell 

another person, other than your attorney or spouse, about your debt. 

Collectors may contact another person to confirm your location or enforce 

a judgment. For more information about debt collection activities, you 

may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov. 

 

The federal Equal Credit Opportunity Act prohibits creditors from 

discriminating against credit applicants on the basis of race, color, 

religion, national origin, sex or marital status, or age (provided the 

applicant has the capacity to enter into a binding contract); because all 

or part of the applicant's income derives from any public assistance 

program; or because the applicant has in good faith exercised any right 

under the Consumer Credit Protection Act. The federal agency that 

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administers compliance with this law concerning this creditor is Office of 

the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney 

Street, Suite 3450, Houston, TX 77010-9050. 

If you reside in the state of New York and if you believe the loss

mitigation request has been wrongly denied, you may file a complaint

with the New York State Banking Department at 1-877-BANK-NYS or

www.banking.state.ny.us.

 

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, NA ©2009 

Wells Fargo Bank, N. A. All rights reserved. 

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