Source: https://www.scribd.com/doc/39695817/GMACLawsuit
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RICHARD CORDRAY ATORNEY GENERAl_, OF OHIO 30 East Broad Street, I ih Floor Columbus, Ohio 423215 PLAINTIFF vs, GMAC MORTGAGE, LIJC c/o Csc-Lawyers Incorporating Service 50 West Broad St., Suite 1800 Columbus, Ohio 43215 and ALLY FINANCIAL, INC. c/o Ct Corporation System 1300 East Ninth Street Cleveland, Ohio 44114 and JEFFREY STEPHAN 42 Lenape Drive #L35 Sellersville, P A 18960 DEFENDANTS ) ) ) ) ) ) ) ) CT'" • j \ l. t) CASE NO. JUDGE ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) COMPLAINT FOR DECLARATORY RELIEF, PRELIMINARY AND PERMANENT INJUNCTION, DAMAGES, CIVIL PENALTIES AND PUNITIVE DAMAGES JURY DEMAND ENDORSED HEREON 1 INTRODUCTION 1. Plaintiff, State of Ohio, by and through counsel, Ohio Attorney General Richard Cordray (the "Ohio Attorney General"), has reasonable cause to believe Defendants GMAC Mortgage LLC ("GMAC Mortgage"), Ally Financial, Inc ("Ally") and Jeffrey Stephan ("Stephan") (GMAC Mortgage, Ally and Stephan collectively the "Defendants") have committed frauds and unfair, deceptive and unconscionable acts and practices on Ohio consumers and the courts of Ohio through, among other ways, the signing of and causing the filing in Ohio courts of hundreds of false affidavits and assignments of notes. GMAC Mortgage has been the plaintiff and/or servicer in hundreds of Ohio mortgage foreclosure cases in at least the last two years and in those cases used false affidavits, assignments and other documents to increase its profits at the expense of Ohio consumers PARTIES 2. The State of Ohio has a sovereign interest in the economic well-being of Ohio residents and in the mailltenance of the integrity of Ohio's judicial system. The Ohio Attorney General is the chief law enforcement officer of the State of Ohio. Through the doctrine of parens patriae and through statutory and common law, the Ohio Attorney General has the authority to file suits in the courts of Ohio to enforce the right of the public to: (a) prevent and remedy violations of the Ohio Consumer Sales Practices Act, (b) prevent and remedy fraud against the public interest; and (c) prevent violations of the requirement of the Ohio Constitution that Ohio's courts be open and its citizens have remedy in them by due course of law. 2 3. Plaintiff brings this action on behalf of the State of Ohio in the public interest under the authority vested in him by the Ohio Consumer Sales Practices Act, Ohio Revised Code § 1345.01 et seq. and under his authority to enforce common law to stop the fraud caused by Defendants. 4. Defendant GMAC Mortgage is a Delaware limited liability company licensed to do business in Ohio that acts as (a) the note holder in many foreclosure cases in Ohio and (b) the servicer for trusts acting for investors in securitized transactions in many other Ohio foreclosure cases. 5. Defendant Ally is a Delaware corporation that is the parent of GMAC Mortgage. In its 10Q Quarterly Report for the period ending June 30, 20010, filed with the Securities and Exchange Commission, Ally reported that its "net gain on mortgage loans was $197 million and $348 l11illion for the three months and six months ended June 30, 2010, respectively, compared to $167 million and $347 million for the same periods in 2009." 6. Defendant Stephan is an individual employee of GMAC Mortgage and a team leader of mortgage foreclosures for GMAC Mortgage. JURISDICTION AND VENUE 7. The actions of Defendants, hereinafter described, have occurred in Lucas County and other counties in the State of Ohio and, as set forth below, are in violation of the Ohio Consumer Sales Practices Act, R.C. 1345.01 et seq. ("CSPA") and the common law. 8. Jurisdiction over the subject matter of this action lies with this Court pursuant to R.C. 1345.04 ofthe CSPA and the common law. 9. This Court has venue to hear this case pursuant to Ohio Civ. R. 3(B)(3) - in that the Defendants conducted activity which gave rise to the claims for relief in several counties in 3 the State of Ohio, including Lucas County - and pursuant to Ohio Civ. R. 3(B)(6) - in that some of the transactions complained of herein, and out of which the claims for relief arose, occurred in Lucas County. STATEMENT OF FACTS 10. In many mortgage foreclosure cases filed in Ohio, GMAC Mortgage claimed and claims to be the holder of the promissory note and mortgage that form the basis for the foreclosure action, and in these cases GMAC Mortgage is the plaintiff. Attached as Exhibit A are examples of affidavits signed by Defendant Stephan in Ohio foreclosure cases in which GMAC Mortgage is or was the plaintiff (names of borrowers redacted, and any exhibits omitted). 11. In many other Ohio cases, GMAC Mortgage is not the named plaintiff but is the servicer or sub-servicer for a trustee holding in a "pool" hundreds or even thousands of mortgages for investors in certificates evidencing ownership interests in the securitized mortgage loans (the "trust"). As a servicer for the trust, GMAC Mortgage is responsible for: collecting payments on the mortgage loans from borrowers and applying them as required by the applicable documents; communicating with the borrowers about insurance and tax payments the borrowers allegedly owe; negotiating with the borrowers over late fees, other fees and loan modifications; initiating and pursuing foreclosure proceedings against borrowers; obtaining affidavits and assignments of mortgage to pursue; and selling properties of the borrowers that have been foreclosed upon. Attached as Exhibit B are examples of affidavits signed by Defendant Stephan in Ohio foreclosure cases in which GMAC Mortgage is or was the servicer or sub-servicer (names of borrowers redacted, and any exhibits omitted). 4 12. GMAC Mortgage acted, and is still acting, as a sub-servicer for trustees in securitized transactions in many Ohio foreclosure cases. In a securitized transaction with a master servicer and sub-servicer, the sub-servicer has primary responsibility for communications with the borrowers and actions taken against the borrower, as the following excerpt from a Prospectus Supplement for a securitized transaction in which GMAC Mortgage acted as a sub-servicer shows: Sub-servicers are generally responsible for the following duties: • communicating with borrowers; • sending monthly remittance statements to borrowers; • collecting payments from borrowers; • recommending a loss mitigation strategy for borrowers who have defaulted on their loans (i.e. repayment plan, modification, foreclosure, etc.); • accurate and timely accounting, reporting and remittance of the principal and interest portions of monthly installment payments to the master servicer, together with any other sums paid by borrowers that are required to be remitted; • accurate and timely accounting and administration of escrow and impound accounts, if applicable; • accurate and timely reporting of negative amortization amounts, if any; • paying escrows for borrowers, if applicable; • calculating and reporting payoffs and liquidations; • maintaining an individual file for each loan; and • maintaining primary mortgage insurance commitments or certificates if required, and filing any primary mortgage insurance claims. See Prospectus Supplement dated December 6, 2007 (to prospectus dated April 9, 2007) $2,538,093 RALI Series 2006-QS6 Trust Mortgage Asset-Backed Pass-Through Certificates, Series 2006-QS6, at http://.www.secinfo.comldlzj61.ulDa.htm#5npc. 13. In order to facilitate the mortgage securitization process, when a borrower executes a mortgage, typically that mortgage is either (a) granted to Mortgage Electronic Registration Systems, Inc. ("MERS") or (b) the original mortgage is assigned to MERS. MERS is a corporation created by the mortgage banking industry whose shareholders 5 consist of banks and other financial institutions, including GMAC Residential Funding Corp., a subsidiary of Defendant Ally. 14. MERS was created by the mortgage banking industry to streamline the mortgage process and save money by using electronic commerce to eliminate paper and the need to file assignments of mortgage every time a mortgage was transferred in the securitization process or subsequent changes in servicing. MERS claims, "Our mission is to register every mortgage loan in the United States on the MERS® System. Beneficiaries of MERS include mortgage originators, servicers, warehouse lenders, wholesale lenders, retail lenders, document custodians, settlement agents, title companies, insurers, investors, county recorders and consumers. MERS acts as nominee in the county land records for the lender and servicer. Any loan registered on the MERS® System is inoculated against future assignments because MERS remains the nominal mortgagee no matter how many times servicing is traded." 15. Unless MERS is the plaintiff in a foreclosure case, MERS does not hold the note of a borrower arid is not named in the note or any transfer of the note, but simply is named the secured party in the mortgage filed in the local real estate records as the nominee of the note holder. 16. When a trustee of a securitized transaction initiates a foreclosure action as a plaintiff, the servicer, sub-servicer or its agent is responsible for the preparation of the papers filed in the Ohio foreclosure action. In the many securitized transactions in which GMAC Mortgage was or is the servicer or sub-servicer of Ohio mortgage loans, GMAC Mortgage has been responsible for the preparation of the necessary documents, including an Assignment of Mortgage assigning the mortgage from MERS to the trustee. In some 6 cases MERS gives servicers and sub-servicers the authority to execute Assignments of Mortgages from MERS to the trustee. However, MERS never authorizes services or subservicers to execute an Assignment of Mortgage that includes an assignment of a note. 17. In spite of this lack of authority, GMAC Mortgage has caused Assignments of Mortgage to be prepared and executed by agents of GMAC Mortgage that improperly purport to assign the note from MERS to the trustee and falsely claim that the GMAC Mortgage employee executing the Assignment has authority to assign the note on behalf of MERS. Stephan has executed many such improper and false Assignments (see an example attached as Exhibit C) that have been filed in Ohio foreclosure cases and that have the purpose of trying to deceive the borrower and courts as to who is the note holder. GMAC Mortgage Signed and Filed False Affidavits in 2006 18. In May of 2006, the Circuit Court of the Fourth Judicial Circuit in and for Duvall County Florida sanctioned the plaintiff in a mortgage foreclosure case (the "Florida Foreclosure Decision") because an employee of GMAC Mortgage Corporation (a predecessor of GMAC Mortgage) had signed a false affidavit on behalf of the plaintiff. The court said, "Plaintiff, through its servicing entity, GMAC Mortgage Corporation, submitted false testimony to the Court in the form of Affidavits of Indebtedness signed and subscribed by a .... 'Limited Signing Officer' with GMAC Mortgage Corporation .... [who] would attest to review of the relevant loan documents ... when in fact ... she neither reviewed the referenced records nor was familiar with the manner in which the records were created by GMAC on behalf of Plaintiff.. .. none of the Affidavits were signed before a Notary." (see attached Exhibit D). The court sanctioned plaintiff in the Florida Foreclosure Decision and ordered GMAC Mortgage Corporation to provide a written confirmation that 7 "affidavits filed in future foreclosure actions in Florida accurately memorialize the actions and conduct of the affiants." GMAC Mortgage Continued to File False Affidavits in 2009 and 2010 19. Stephan has been a team leader in the foreclosure department of GMAC Mortgage for years, including through at least August 2, 2010. Stephan has been an employee of GMAC Mortgage, or affiliates, for approximately 5 years. 20. In a December 10, 2009 deposition (the "2009 Deposition") in a Florida state court foreclosure case (the "2009 Florida Case"), Stephan testified that his team brought to him approximately 10,000 affidavits and assignments in a month for him to sign ( 2009 Deposition, p.7, Is 18·20). 21. In spite of the Florida Foreclosure Decision, Stephan testified that he did not sign the affidavits based on his personal knowledge and that he relied on others (2009 Deposition, p: 10,' Is 6.;15). ;H6wever;he'ah;Otestifi'ed that his teamdid not verify the accuracy of the information: "They do not go into the system and verify the information as accurate. We are relying on our attorney network to ensure that they are asking for the correct information." (2009 Deposition, pp. 12-13, Is 16-25 and 1-4). Stephan knew or should have known that these hundreds of affidavits would be filed in Ohio courts and relied upon by Ohio Common Pleas Judges in deciding whether the plaintiff in the particular case had a right to foreclose on Ohio residents. 22. When Stephan executed an affidavit, he testified he did not ascertain who the current promissory note-holder was (2009 Deposition, p. 31, Is. 12-14), even though his affidavits always stated or implied that plaintiff was the holder of the note. The agents of GMAC Mortgage prepared these affidavits to mislead the courts in Ohio on such matters as 8 who kept the applicable records, who the holder of the note was, the amount due to whoever the holder of the note was, and whether proper notice alleging default had been sent to the borrower. 23. In spite of his lack of personal knowledge, Stephan swore in the hundreds of affidavits he signed for Ohio courts that "I have personal knowledge of the facts contained in this affidavit," or equivalent words (see as examples Exhibits A and B). Stephan signed hundreds of these false affidavits, and Defendants caused hundreds of these false affidavits to be filed in hundreds of mortgage foreclosure cases in Ohio. 24. Stephan --- claiming to be an officer of MERS- signed for many Ohio foreclosure cases Assignments of Mortgage falsely claiming that he assigned a borrower's mortgage and note from MERS to the plaintiff (see attached Exhibit C), even though he did not have the authority ofMERS to assign a note to any party. 25. Stephan signed hundreds of affidavits outside of the presence of a notary public I (2009 Deposition, p. 13, Is. 10-17) that were filed in Ohio foreclosure cases. 26. Stephan was acting within the scope of his employment with GMAC Mortgage when he executed the false affidavits, when he executed the affidavits outside the presence of notaries public and wheIl he executed the false assignments of note from MERS to plaintiffs in Ohio mortgage foreclosure cases. 27. Ally and GMAC Mortgage had authority over and the right to control the actions of Stephan and benefited financially from the actions of Stephan. The actions of Stephan were part of the business plans of Ally and GMAC mortgage. 28. GMAC Mortgage has outsourced various pieces of the foreclosure process. For instance, GMAC Mortgage contracts with Fiserv, Inc. ("Fiserv") to provide such computer 9 services as recording payments received from, and amounts allegedly due, lenders. Fiserv advertises that it is a "leading global provider of information management and electronic commerce services" which provides "solutions for optimizing all aspects of the payments mix to help create efficiency and growth." 29. GMAC Mortgage employees executed thousands of false affidavits and purported to enter payments, failures to pay, and other information into computers for the Fiserv system. 30. It is Fiserv that creates and maintains the records and calculates the amounts allegedly due from borrowers. 31. In a June 7, 2010 deposition (the "2010 Deposition") in a Maine mortgage foreclosure case (the "Maine Mortgage Foreclosure Case"), Stephan testified that he did • ... t_{_. "i 'i.1 1 .L 1 . /""1l\.·K • ,"""1 - _ ... -... - +" 't_ .,. • 1· t not nave "any knowieuge aoout now \.JlYIA\... ensures the accuracy OJ. the cata enterec In.O the system" (2010 Deposition, p. 30, Is. 10-13). 32. Lender Processing Services, Inc. ("LPS") provides a separate system that creates documents for GMAC Mortgage in the foreclosure process and acts as an intermediary between attorneys for GMAC Mortgage and GMAC Mortgage in the foreclosure process (2010 Deposition, pp. 35-42 and 56--57). 33. As part of GMAC Mortgage policy, Stephan did not read every paragraph of the summary judgment affidavits he signed (2010 Deposition, pp. 61-64) that were prepared by LPS. The summary judgment affidavits signed by Stephan contained inaccuracies. 34. GMAC Mortgage knew or should have known that failure to supervise the accuracy of the input of information into, maintenance of information in, and calculations provided by, the outsourced computer systems and document preparation would lead to errors and 10 inaccuracies that would violate GMAC Mortgage's duty to consumers to accurately account for payments received by consumers and payments owed by consumers. 35. GMAC Mortgage and Ally learned of the 2009 Deposition soon after that deposition, but took no corrective action. 36. During the 2010 Deposition, Stephan testifie'd: (a) he signed the affidavits outside of the presence of a notary (p. 56, Is. 10·,18); (b) when he signed a summary judgment affidavit he did "not inspect any exhibits attached to it" (p. 54, Is. 12-25); (c) he did not read every paragraph of the summary judgment affidavits he signed (p. 60, Is. 24-25 and p. 62, Is. 1-3); and (d) the process he followed "in signing summary judgment affidavits is in accordance with the policies and procedures required of you by GMAC Mortgage." (p.64, Is. 8-14). 37. GMAC Mortgage and Ally ieamed of the 2010 Deposition in June, 2010. Sanctions in Maine in 2010 38. The Defendant in the Maine Mortgage Foreclosure moved for sanctions for a false affidavit signed by Stephan and relied upon by the court in granting summary judgment for plaintiff. The Maine court held oral argument on the motion on September 1,2010. 39. On September 24, the Maine court vacated the grant of summary judgment and also addressed the motion for a protective order that had been filed that would have prohibited the dissemination of the deposition of Stephan taken in the case. The Maine court said that "Plaintiff points to the embarrassment GMAC and its employees have suffered, and will continue to suffer, from the posting of excerpts from Stephan's deposition transcript on an Internet blog." (p. 3 of Exhibit E) The Maine court denied the motion for protective order, noting "Stephan's deposition was taken to advance a legitimate purpose ... " 11 40. The Maine court then granted the motion for sanctions filed by the borrower, awarding to the borrower the borrower's attorneys fees: "Rather than being an isolated or inadvertent instance of misconduct, the Court finds that GMAC has persisted in its unlawful document signing practices long after and even in the face of the Florida Court's order, and that such conduct constitutes 'bad faith' under Rule 56(g). These documents are submitted to a court with the intent that the court find a homeowner liable to the plaintiff for thousands of dollars and subject to foreclosure on the debtor's residence. Filing such a document without significant regard for its accuracy, which the court in ordinary circumstances may never be able to investigate or otherwise verify, is a serious and troubling matter." (p. 5 of Exhibit E). 41. Since the oral argument in the Maine mortgage foreclosure case was held on September 1, 2010, GMAC Mortgage knew after September 1 that sanctions were imminent. 42. On September 17,2010, Ally sent a memo to "GMAC Preferred Agents" directing these agents that GMAC Mortgage "may need to take corrective action in connection with some foreclosures" in 23 states, including Ohio. In addition, for these states, including Ohio, it directed the agents: (a) "Evictions: Do not proceed with evictions, cash for keys transactions, or lockouts. All files should be placed on hold, regardless of occupant type. (b) REO Closings: Do not proceed with REO sale closings." 43. In spite of his admissions in his depositions, Jeffrey Stephan is still employed by GMAC Mortgage, reflecting the fact that his actions were in accordance with GMAC Mortgage policy. 12 44. In light of the actions of Ally, GMAC and Stephan, the Attorney General of Ohio has reasonable cause to believe that GMAC employees in addition to Stephan have signed false affidavits, assignments of notes and other documents in connection with Ohio foreclosure cases. 45. On September 27, 2010 the Ohio Attorney General sent a letter to the General Counsel of Ally expressing concerns over GMAC Mortgage's actions and requested that Ally/GMAC Mortgage describe the steps being taken to remedy the problems identified, the steps to alert Ohio courts of the problems, including cases that had already proceeded to a foreclosure judgment, and the actions to ensure that the problems related to its foreclosure affidavits not re-occur in the future. On September 30, Plaintiff requested that Ally/GMAC agree not to proceed towards a judgment, sale, eviction, or transfer of any - s -. ..-....1· -...L·1 .Ll - - - , .4. .+1..0. - . - - -,.1. 1 .... ~ 't r1 h . 1 propeny III VTIlO untn mere was agreemenl tnat proper remeciai action nan oeen taken. 46. GMAC Mortgage and Ally claim that they will review the affidavits signed by Stephan and other GMAC Mortgage employees since July of 2009, but not affidavits signed before July of 2009. They have not yet reviewed the majority of the affidavits signed by Stephan or other GMAC Mortgage employees. Ally/GMAC Mortgage said they would review all the affidavits by the end of October of 2010, but did not indicate they would review any Assignments executed by Stephan, even though they were improperly prepared and executed. 47. Ally/GMAC Mortgage said they would substitute new affidavits for improper affidavits, without any assurance of which affidavits they would consider improper and while still asserting they would rely on their outsourced system for the calculation of amounts allegedly due. Ally/GMAC Mortgage has not explained how it planned to 13 determine from its review of outsourced computer records who the holder of the note and mortgage was in any particular case, which of necessity must involve a review of the actual note, mortgage and any assignments or endorsements. 48. Ally and GMAC Mortgage have refused to halt pursuing mortgage foreclosures while its "review" is proceeding, even though that will mean more cases will proceed to a foreclosure judgment based on improper affidavits and assignments of notes and more Ohio citizens will suffer. FIRST CAUSE OF ACTION Violations of the Ohio Consumer Sales Practices Act 49. Plaintiff State incorporates by reference as if completely rewritten herein, the allegations set forth in paragraphs 1-48 of this Complaint. 50. Defendant GMAC Mortgage has engaged in a pattern and deceptive, and unconscionable acts in violation of Ohio Revised Code §§ 1345.02, 1345.03 andlor 1345.031 by authorizing and directing the filing of affidavits, assignments and other documents that were false and by proceeding to foreclosure judgments in spite of the false affidavits, assignments and other documents. 51. Defendant Ally has engaged in a pattem and practice of unfair, deceptive, and unconscionable acts in violation of Ohio Revised Code §§ 1345.02, 1345.03 andlor 1345.031 by directing GMAC Mortgage in its mortgage foreclosure activities, by benefiting financially from the :filing of false affidavits, the filing of incorrect assignments and other documents, and by proceeding to foreclosure judgments in spite of the affidavits, assignments and other documents that were false 14 52. Defendant Stephan has engaged in a pattern and practice of unfair, deceptive, and unconscionable acts in violation of Ohio Revised Code §§ 1345.02, 1345.03 and/or 1345.031 by executing and causing the filing in Ohio courts of affidavits, assignments and other documents that were false. 53. Such acts and practices have been previously determined by a court in Ohio to violate the Consumer Sales Practices Act, R.C. 1345.01 et seq. Defendants committed said violation after such decisions were available for public inspection pursuant to R.C. 134S.05(A)(3).. SECOND CAUSE OF ACTION Common Law Fraud 54. Plaintiff incorporates by reference as if completely rewritten herein, the allegations set forth in paragraphs i -48 of this Complaint. 55. Stephan signed affidavits and other documents in Ohio foreclosure cases (a) which contained representations, (b) which were material to the foreclosure proceedings, ( c) some of which were made with knowledge of their falsity and others which were made with utter disregard for whether they were true or false, (d) which were made with the intent of misleading the courts and opposing parties into relying upon them, and ( e) on which the courts and the opposing parties justifiably relied. 56. Through its agent Stephan and perhaps others, GMAC (a) made representations in Ohio foreclosure cases (b) which were material to the foreclosure proceedings, (c) which were made with knowledge of their falsity or with utter disregard for whether they were true or false, (d) which were made with the intent of misleading the courts and opposing 15 parties into relying upon them, and (e) on which the courts and the opposing parties justifiably relied. 57. Ally directed GMAC Mortgage in its mortgage foreclosure activities in Ohio, benefiting financially from the filing of false affidavits, assignments and other documents. These were (a) representations made at the direction of Ally (b) which were material to the foreclosure proceedings, (c) which were made with knowledge of their falsity or with utter disregard for whether they were true or false, (d) which were made with the intent of misleading the courts and opposing parties into relying upon them, and (e) on which the courts and the opposing parties justifiably relied. 58. The representations of Defendants proximately resulted in injury to our judicial system, the specific foreclosure proceedings in which affidavits signed by Stephan were filed, and the borrowers in those cases, Ohio consumers. The system of justice in Ohio and Ohio borrowers have suffered and are suffering irreparable injury by the actions of Defendants, and there is no adequate remedy at law. PRAYER FOR. RELIEF WHEREFORE, Plaintiff respectfully requests that this Court: A. ISSUE a preliminary and permanent injunction enjoining GMAC Mortgage and Ally (doing business under any name, their agents, partners, servants, representatives, salespersons, employees, successors and assigns and all persons acting in concert and participation with them, directly or indirectly, through any corporate device, partnership or association): 1. From proceeding to foreclose in any pending Ohio foreclosure case or permit the sale of the related property unless and until Defendants file a 16 certification with this Court and with Plaintiff that Defendants have complied with paragraphs A2 and A3; 2. To file motions to withdraw any motion for summary judgment or motion for default judgment in any pending Ohio foreclosure case that has an affidavit or assignment signed by Stephan and to provide at the time of filing copies of such motions to Plaintiff; 3. To file motions to stay the sale of any property and vacate any foreclosure judgment obtained in any Ohio case in which the property has not yet been sold and in which Stephan signed any affidavit or assignment and to provide at the time of filing copies of such motions to; and 4. From submitting any affidavit in the future in any mortgage foreclosure case that does not comply with Rule 56(E) of the Ohio Rules of Civil Procedure; B. Issue a permanent injunction enjoining GMAC Mortgage and Ally (doing business under any name, their agents, partners, servants, representatives, salespersons, employees, successors and assigns and all persons acting in concert and participation with them, directly or indirectly, through any corporate device, partnership or association) to institute and follow written procedures - first submitted to Plaintiff and then approved by this Court - so that in the future: 1. No representative of Defendants will sign an affidavit saying he/she has personal knowledge of the facts alleged in an affidavit if he/she does not have personal knowledge of the facts; and 17 2. To the extent an affiant states he is relying in part on business records (including computer records) rather than personal knowledge of the facts in the business records, there will be a written record establishing the reliability of those records that complies with Rule 56(E) of the Ohio Rules of Civil Procedure. C. Pursuant to R.C. §1345.07(B) (1) appoint a referee to be paid by Defendants, (2) Order Defendants to file reports with the referee and Plaintiff every three months for two years that show the actions Defendants have taken to comply with the Orders of the Court in this case, and (3) directing the referee to respond to this Court on whether Defendants have complied with the Orders of this Court; D. ENJOINING Defendants (doing business under any name, their agents, partners, servants, representatives, salespersons, employees, successors and assigns and all persons acting in concert and participation with them, directly or indirectly, through any corporate device, partnership or association) from executing any assignment that purports to assign a note on behalf ofMERS; E. DECLARE that the following acts, each time they occurred, violated the Consumer Sales Practices Act, R.C. 1345.02 and 1345.031: (1) each affidavit that claimed the affiant had personal knowledge when the affiant did not have personal knowledge and (2) each assignment that purported to assign a note on behalf of MERS; F. ORDER Defendants to pay actual and non-economic damages to all consumers injured by the conduct of the Defendants, including any consumers who were foreclosed upon in an Ohio case in which there was a Stephan affidavit that was not withdrawn pursuant to paragraph A above; 18 G. ASSESS, FINE and IMPOSE upon Defendants a civil penalty of Twenty-Five Thousand Dollars ($25,000.00) for each separate and appropriate violation described herein pursuant to R.C. 1345.07(D); H. A WARD Plaintiff punitive damages in an amount to be determined by the Court; 1. ORDER Defendants jointly and severally liable for all monetary amounts awarded herein; J. ORDER Defendants to pay the Plaintiff its attorney fees, court costs incurred in the prosecution of this action, other litigation expenses including the expenses associated with retaining experts, and any other relief the Court deems appropriate; and K. GRANT such other relief as the court deems to be just, equitable and appropriate; Respectfully submitted RICHARD CORDRAY Ohio Attorney General ~ __ "~ A. "UM{__~ Susan A. Choe (0067032) . Jeffrey R. Loeser (0082144) Assistant Attorneys General Consumer Protection Section 30 East Broad Street, 14th Floor Columbus, OH 443215 614.466.1305 [Telephone] 614.728.9470 [Facsimile] ~_L QMO.r,J'<Na-- Douglas Jo Rogers (Oo~t Special Counsel to the Attorney General of Ohio 30 East Broad Street, 14th Floor Columbus, Ohio 43215 614.466.1305 614.466.8898 (fax) Douglas.Rogers@ohioattorneygeneral.gov Counsel for Plaintiff 19 DEMAND FOR JURY TRIAL Please take notice that Plaintiff State of Ohio ex rel. Ohio Attorney General Richard Cordray demands a trial by jury in this action. Respectfully submitted, RICHARD CORDRAY ATTORNEY GENERAL ~&.~-~ Susan A. Choe (0067032) Jeffrey R. Loeser (0082144) Assistant Attorneys General Consumer Protection Section 30 East Broad Street, 14th Floor Columbus, OH 443215 614.466.1305 [Telephone] 614.728.9470 [Facsimile] i?:a*er~60~ Special Counsel to the Attorney General of Ohio 30 East Broad Street, 14th Floor Columbus, Ohio 43215 614.466.1305 614.466.8898 (fax) Douglas.Rogers@ohioattorneygeneral.gov Counsel for Plaintiff 20 FILED L.UCAS ClJUNTY 7Dilq NOV 30 A 10: Ol c IN THE COURT OF COMMON PLEAS LUCAS COUNTY, OHIO .................................................... " " " . GMAC Mortgage, LLC Plaintiff, vs. Defendants. STATE OF ~~ ) , ) SS Montgol)lery COUNTY OF Case No. CTO;}.l~)O'1 (!) yS-b sJudgeC'J _::;7'ac 1/ I AFFIDAVIT REGARDING . ACCOUNT AND COMPETENCY AND MILITARY STATUS Jeffrey Stephan LUDited Signing Officer (Affiant), being first duly sworn according to law, deposes and says on the basis of personal knowledge: 1. Affiant is an employee of GMAC Mortgage, LLC, (the "Plaintiff') and is competent to testify to the matters stated in this Affidavit. GMAC Mortgage, LLC has custody of, and maintains records related to, the promissory note and mortgage that are the subject of this foreclosure action. 2. Attached hereto as Exhibits A and B are true and accurate copies of the original Note and 124482146.doc STATE'S EXHIBIT A , . \. Mortgage that are the subject of this foreclosure action. 3. i gned the promissory note and thus promised, among other things, to l make monthly payments on or before the date such payments-were due. 4. Plaintiff is entitled to enforce the mortgage on the property commonly known as 1019 Eton Road, Toledo, OH 43615, parcel no. 2026354. The legal description of the Property is referenced in the Complaint. 5. The note and mortgage are in default because monthly payments have not been made. 6. A written notice of default was given in accordance with the terms of the note and mortgage. The default was not cured, and thus the sums due under the note were accelerated. As a result, the full amount of principal and interest due under the note are now required to be paid. Also required to be paid are all costs and expenses incurred in enforcing the note to the extent that the payment of such amounts is not prohibited by Ohio law. 7. Plaintiffis due on the Note principal in the amount of $135,939.95 plus interest on the unpaid principal at the rate of 6.5% from December 1,2008. Late charges, advances made for the payment of taxes, assessments, and insurance premiums, and expenses incurred for the enforcement of the note and mortgage may also be due, to the extent that the payment of such amounts is not prohibited by Ohio law. If necessary, the final amount of some or all of these items will be established at a later date. 8. To the best of Affiant's knowledg. ire not minors, incompetent or in the Military Service, as such term is defined in Section 101 (2) of the Servicemembers Civil Relief Act, as amended, which amended the Soldiers' and Sailors' Civil Relief Act of 1940,50 U.S.C. App. § 501. Attached hereto as Exhibit C is a 124482146.doc · " . .. 2009. document obtained from the web site of the Department of Defense Manpower Data Center reflecting that Military status. _are not on Active Duty Subscribed and sworn to before 124482146.doc Notary Public \ IN THE COURT OF COMMON PLEAS LUCAS COUNTY, OHIO GMAC Mortgage, LLC AFFIDAVIT REGARDING ACCOUNT AND MILITARY STATUS Case No. CilO-2992 Plaintiff, Judge Ruth Ann Franks vs. Defendants. STATEOF ~ ) ) SS COUNTYOF~ Jeffrey Stephan Umired Siga:ffig Offieer ("Affiant"), being first duly sworn according to law, deposes and says on the basis of personal knowledge: 1. Affiant is an employee of GMAC Mortgage, LLC, (the "Plaintiff') and is competent to testify to the matters stated in this Affidavit. GMAC Mortgage, LLC has custody of, and maintains records related to, the promissory note and mortgage that are the subject of this foreclosure action. Ref# IO-5050441EJN 2. Attached hereto as Exhibits A and B are true and accurate copies of the original Note and Mortgage that are the subject ofthis foreclosure action. 3:, 'gned the promissory note and thus promised, among other things, to make monthly payments on or before the date such payments were due. 4. Plaintiff is entitled to enforce the mortgage on the property commonly known as 5649 Winona Drive, Toledo, OH 43613, parcel no. 23-04034. The legal description of the Property is referenced in the Complaint. 5. The note and mortgage are in default because monthly payments have not been made. 6. A written notice of default was given in accordance with the terms of the note and mortgage. The default was not cured, and thus the sums due under the note were accelerated. As a result, the full amount of principal and interest due under the note are now required to be paid. Also required to be paid are aJI costs and expenses incurred in enforcing the note to the extent that the payment of such amounts is not prohibited by Ohio law, 7. Plaintiff is due on the Note principal in the amount of $105,542.68 plus interest on the unpaid principal at the rate of5.75% from October 1, 2009. Late charges, advances made for the payment of taxes, assessments, and insurance premiums, and expenses incurred for the enforcement of the note and mortgage may also be due, to the extent that the payment of such amounts is not prohibited by Ohio law. If necessary, the final amount of some or all of these items will be established at a later date. 8. To the best of Affiant's knowledge, Richard W Funk is not in the Military Service, as such term is defined in Section 101 (2) of the Servicemembers Civil Relief Act, as amended, which amended the Soldiers' and Sailors' Civil Relief Act of 1940, 50 U.S.C. Ref# lO-5050441EJN '. -, ( , App. § 501. Attached hereto as Exhibit C is a document obtained from the web site of the Department of Defense Manpower Data Center reflecting ... ot on Active Duty Military status. Subscribed and sworn before me, a Notary Pu c, 's ~'day of ~ ,2010. ~~ Q....J,; VI\b..-,.+ otary Public COMMONWfALTli OF PENNSYLVANIA Notartal Seal Heather Reinhart, Notary Public upper Dublin Twp., Montgomery County My CommISSIon expires sept. 9, 2013 Member, PennSYlvania AssocIation of Notaries Ref# IO·5050441EJN FILED. ; lie A c: (' 0·· U ~ il V i, 1..' t\ '" v ,; ! zen JU:~ I I !-\ 9: 5b IN THE COURT OF COMMON PLEAS LUCAS COUNTY, OHIO GMAC Mortgage, LLC Plaintiff, vs. ..... ) Case No. CIlO-3496 Judge James D Bates AFFIDA VIT REGARDING ACCOUNT AND MILITARY STATUS Defendants. STATEOF ~) COUNTY OF ~ Jeffrey Stephan Limited Signing Officer ____________ ("Affiant"), being first duly sworn according to law, deposes and says on the basis of personal knowledge: I. Affiant is an employee ofGMAC Mortgage, LLC, (the "Plaintiff') and is competent to testify to the matters stated in this Affidavit. GMAC Mortgage, LLC has custody of, and maintains records related to, the promissory note and mortgage that are the subject of this foreclosure action. Ref# IO·50664IIKMG 2. Attached hereto as Exhibits A and B are true and accurate copies of the original Note and r:::l ~ortgage that are the subject of this foreclosure action. ~ .n signed the promissory note and thus promised, among other things, to 3. make monthly payments on or before the date such payments were due. 4. Plaintiff is entitled to enforce the mortgage on the property commonly known as 811 National Avenue, Toledo, OH 43609, parcel nos. 01-06021, 01-06024 and 01-06027. The legal description of the Property is referenced in the Complaint. 5. The note and mortgage are in default because monthly payments have not been made. 6. A written notice of default was given by First Class mail as provided by the terms of the note and mortgage. The default was not cured, and thus the sums due under the note were accelerated. As a result, the full amount of principal and interest due under the note are now required to be paid. Also required to be paid are all costs and expenses incurred in enforcing the note to the extent that the payment of such amounts is not prohibited by Ohio law. 7. Plaintiff is due on the Note principal in the amount of $90,622.07 plus interest on the unpaid principal at the rate of 4% from December 1, 2009. Late charges, advances made for the payment of taxes, assessments, and insurance premiums, and expenses incurred for the enforcement of the note and mortgage may also be due, to the extent that the payment of such amounts is not prohibited by Ohio law. If necessary, the final amount of some or all of these items will be established at a later date. 8. To the best of Affiant's knowledge . 'Ie not in the Military Service, as such term is defined in Section 101 (2) of the Servicemembers Civil Relief Act, as amended, which amended the Soldiers' and Sailors' Civil Relief Act of Ref# IO-5066411KMG 1940,50 U.S.C. App. § 501. Attached hereto as Exhibit C is a document obtained from A ~he web site of the Department of Defense Manpower Data Center reflecting C', {) iT. -J ~re not on Active Duty Military status. Notarfal Seal Heather Reinhart, Notary PublIc Upper DublIn rwp., Mont9O"', ~i' commISSIon expIres , Member. pennSYlvania AssOdatlOri of Notaries Ref# IO·5066411KMG ,I IN THE COURT OF COMMON PLEAS LUCASCOUNTY,0H10 ••••• """" 1 •••••••• 1.1 •••••• I "" "' , •••••••••• Plaintiff, Judge Linda J Jennings GMAC Mortgage, LLC Case No. CIl0-4075 vs. Defendants. AFFIDAVIT REGARDING ACCOUNT AND MILITARY STATUS STATE OF PeIWSYlVaDJ8 MOntgomery) SS COUNTYOF ~ (Je{~ ~Ln ("Affiant"). being first duly sworn according to law. deposes and says on the basis of personal knowledge: 1. Affiant is an employee of GMAC Mortgage, LLC, (the "Plaintiff') and is competent to testify to the matters stated in this Affidavit. GMAC Mortgage, LLC has custody of, and maintains records related to, the promissory note and mortgage that are the subject of this foreclosure action. 2. Attached hereto as Exhibits A and B are true and accurate copies of the original Note and Mortgage that are the subject of this foreclosure action. Reffl IO-508766/SKD .J 3. . .. .iigned the promissory note and thus promised, among other things, to ~ ~ make monthly payments on or before the date such payments were due. z:; 4. 5 Plaintiff is entitled to enforce the mortgage on the property commonly known as 1837 til Northover Road, Toledo, OH 43613, parcel no. 22-36521. The legal description of the Property is referenced in the Complaint. 5. The note and mortgage are in default because monthly payments have not been made. 6. A written notice of default was given by First Class mail as provided by the terms of the note and mortgage. The default was not cured, and thus the sums due under the note were accelerated. As a result, the full amount of principal and interest due under the note are now required to be paid. Also required to be paid are all costs and expenses incurred in enforcing the note to the extent that the payment of such amounts is not prohibited by Ohio law. 7. Plaintiff is due on the Note principal in the amount of$107,960.53 plus interest on the unpaid principal at the rate of 7.14% from November 2, 2009. Late charges, advances made for the payment of taxes, assessments, and insurance premiums, and expenses incurred for the enforcement of the note and mortgage may also be due, to the extent that the payment of such amounts is not prohibited by Ohio law. If necessary, the final amount of some or all of these items will be established at a later date. 8. To the best of Affiant's knowledge, Sara E Babcock and David J Babcock are not in the Military Service, as such term is defined in Section 101 (2) of the Servicemembers Civil Relief Act, as amended, which amended the Soldiers' and Sailors' Civil Relief Act of 1940,50 U.S.C. App. § 501. Attached hereto as Exhibit C is a document obtained from Ref# lO-508766/SKD .. the web site of the Department of Defense Manpower Data Center reflecting th~" C'. - ~l ~. ~l ~ z: ¢ o '1 e ey Stepban Limited Signing Officer iS~daYOfll)!)e, ,2010. NOtary(];2aty ~ Subscribed and sworn before me, a No COMMONWEAL"fH eF peNNSYLVANIA Notartal Seal Mary Lynch, Notary Public UpPQr Dubll" Twp., Montgomery County My CommlBJlon E)(Qlres Nov. 3, 2010 Member, Pennsylvania Association of Notaries Ref# lO·508766/SKD C",l ;:-1'"1 t 1.._ '-_ .... j ~.UCr\S COUNi'Y IN THE COURT OF COMMON PLEAS LUCAS COUNTY, OHIO GMAC Mortgage, LLC Plaintiff, vs. Defendants. Pennsylvania STATE OF ~~ loJ1.0ntgOIll~S .~ COU~:_-;'Y OF -----' Case No. C 7... o..2oe'"1 Q CO 53Cc. Judge JG"''_'Se~ AFFIDAVIT REGARDING ACCOUNT AND MILITARY STATUS !e!1i'ey Stephan ___ ~L .... lw.mwlt.l;led;,j-,$~igmnS'l±·fH:gMO~ffi!F....cer_- ("Affiant"), being first duly sworn according to law, deposes and says on the basis of personal knowledge: 1. Affiant is an employee of GMAC Mortgage, LLC, (the "Plaintiff") and is competent to testify to the matters stated in this Affidavit. GMAC Mortgage, LLC has custody of, and maintains records related to, the promissory note and mortgage that are the subject of this foreclosure action. 2. Attached hereto as Exhibits A and B are true and accurate copies of the original Note and Mortgage that are the subject of this foreclosure action. 09-505927-A vv 3. igned the promissory note and thus promised, among other things, to make monthly payments on or before the date such payments were due. 4. Plaintiff is entitled to enforce the mortgage on the property commonly known as 1694 Pine Lawn, Toledo, OH 43614, parcel no. 12-33591. The legal description of the Property is referenced in the Complaint. 5. The note and mortgage are in default because monthly payments have not been made. 6. A written notice of default was given in accordance with the terms of the note and mortgage. The default was not cured, and thus the sums due under the note were accelerated. As a result, the full amount of principal and interest due under the note are now required to be paid. Also required to be paid are all costs and expenses incurred in enforcing the note to the extent that the payment of such amounts is not prohibited by Ohio law. 7. Plaintiff is due on the Note principal in the amount of$79,785.37 plus interest on the unpaid principal at the rate of5.5% from July 1, 2009. Late charges, advances made for the payment of taxes, assessments, and insurance premiums, and expenses incurred for the enforcement of the note and mortgage may also be due, to the extent that the payment of such amounts is not prohibited by Ohio law. If necessary, the final amount of some or all of these items will be established at a later date. 8. To the best of Affiant's knowledg is not in the Military Service, as such term is defined in Section tot (2) of the Servicemembers Civil Relief Act, as amended, which amended the Soldiers' and Sailors' Civil Relief Act of 1940,50 U.S.C. App. § 501. Attached hereto as Exhibit C is a document obtained from the web site of 09-505927-A vu the Department of Defense Manpower Data Center reflecting th. - not on Active Duty Military status. Subscribed and sworn to before me, a Notary Notarial Seal Heather Reinhart, Notary Public Upper Dublin Twp., Montgomery COunty My COmmission expires Sept 9, 2013 Member, Pennsvtvanla Association of Notaries 09-505927-A VU , " IN THE COURT OF COMMON PLEAS LUCAS COUNTY, OHIO GMAC Mortgage, LLC Plaintiff, vs. - . __ , _~ _-,a, ~/ Defendants. Case No: ; , , " I ; CI -201001758 Judge Denise Ann Dartt AFFIDAVIT REGARDING ACCOUNT AND MILITARY STATUS STATE OFennsvlvama ) ) SS ,}t\ COUNTY oM~tgomery ) ?e!frey Stephan --_Limited-==>:>LlS ..... igD~ia'*'g~OHi*fl:ce,..,..,...I-- ("Affiant"), being first duly sworn according to law, deposes and says on the basis of personal knowledge: 1. Affiant is an employee ofGMAC Mortgage, LLC, (the "Plaintiff') and is competent to testify to the matters stated in this Affidavit. GMAC Mortgage, LLC has custody of, and maintains records related to, the promissory note and mortgage that are the subject of this foreclosure action. Ref# 10-500 I 59/ajm '. 2. Attached hereto as Exhibits A and B are true and accurate copies of the original Note and Mortgage that are the subject of this foreclosure action. signed the promissory note and thus promised, among other things, to make monthly payments on or before the date such payments were due. 4. Plaintiff is entitled to enforce the mortgage on the property commonly known as 5631 FryerStreet, Toledo, OH 43615, parcel no. 20-26686. The legal description of the 3. Property is referenced in the Complaint. 5. The note and mortgage are in default because monthly payments have not been made. 6. A written notice of default was given in accordance with the terms of the note and mortgage. The default was not cured, and thus the sums due under the note were accelerated. As a result, the full amount of principal and interest due under the note are now required to be paid. Also required to be paid are all costs and expenses incurred in enforcing the note to the extent that the payment of such amounts is not prohibited by Ohio law. 7. Plaintiff is due on the Note principal in the amount of$29,489.80 plus interest on the unpaid principal at the rate of 8.25% from September I, 2009. Late charges, advances made for the payment of taxes, assessments, and insurance premiums, and expenses incurred for the enforcement of the note and mortgage may also be due, to the extent that the payment of such amounts is not prohibited by Ohio law. If necessary, the final amount of some or all of these items will be established at a later date. 8, To the best of Affiant's knowledge __ is not in the Military Service, as such term is defined in Section 101 (2) of the Servicemembers Civil Relief Act, as amended, which amended the Soldiers' and Sailors' Civil Relief Act of 1940, 50 U.S.C. Ref# 10-500 159/ajm · . App. § 501. Attached hereto as Exhibit C is a document obtained from the web site of the Department of Defense Manpower Data Center reflecting that '.1' .~ not on Active Duty Military status. Subscribed and sworn before me, a Notary ~MONWEAL.TH OF PENNSYLVANIA Ref# 10-500 I 59/ajrn s-;» \. 'f( •• t~ • " .. t .' 1.....:: r;~ -:; .. ~ ft :c o ~I~J~A~LSAS ~: q iI~ 201006102 (cjl<) LUCAS COUNTY, OHIO \:-Ij ;:_- 0 , 1,_.... r v . .-. \S COlJN i I 1.010 APR 20 P ~: I 2 Plaintiff ! Case No. i i j Judge Gary Cook i ! I iAFFIDAVIT OF STATUS OF ACCOUNT lAND MILITARY AFFIDAVIT ! I ! GMAC Mortgage, LLC -vs- Defendants Now comes Jeffrey Stephan Limited Signing Officer Affiant herein, and being first duly sworn, states 1. Affiant is a as follows: !e!frey Stephan LumUld Signing Officer with GMAC Mortgage, LLC. In this job position, Affiant has the custody of and has personal knowledge of the accounts of said company, and specifically with the account of Leon Blackman and Sonya L. Blackman, defendants herein. 2. Affiant states that said account is in default and that plaintiff has elected to call the entire balance of said account due and payable in accordance with the terms of the note and mortgage attached to the Complaint. 3. Affiant states that there is due on said account a principal balance of $57,314.50, together with interest thereon from the date of default at the rate specified in the note, late charges and advances for taxes, insurance or otherwise expended to protect the property. .' -o ... 4. Affiant states that none of the defendants herein are in the military service as defined by the Servicemembers' Civil Relief Act of 2003. STATE OF -.1..e-=.~ _ Subscribed and sworn to (or affirmed) before me on this _-~LJ7'"r-- da y 0 f ___;_-1&f<,+="='=..L.!'_____ 2 0 [Q by '. T)...-6-f-o~ proved to me on the basis of s a t i s f ac t o ry evidence to be the person (s) who appeared before me. Expires: COMMONWEAlTH OF PENNSYLVANIA Notal181 seal Trinll Wlltbank, Notary Public Upper DuDlln TWp., MOntgomery COunty My Qlmm]!lllcl[! ~Ires Sept. 10, 2013 Member, Pennsylvania AssocIatIOn of NotiIr1e5 ,~ ,. .l ' . I, .... '\. IT ·i. 201002922 (de) ~ 1401 z: i; ¢ Q 11 ( F\LEo, _, r, \ • \ I r '( I 'l' r S \ \ \, ,,"\ \ \ .. Il,\~ ./-- n 1\ \\: 01 2m\) ~?\\ - -, r» COURT OF COMMON j'~ Plt.I\S C~\JR1 LUCAS COUNTY, 6i=lI~f~~H\E. ~~\6~~ IS ClEPY, (Ir ' !Case No.: CI020l00l560 I I Plaintiff, i Judge: Frederick H. McDonald I I !AFFIDAVIT IN SUPPORT I i OF MOTION FOR SUMMARY ! JUDGMENT j i Defendants.! ~ermanent Parcel No.: 32-30385 Jeffrey Stephan "1 ;mited Signing Officer .-...." . _ 4, •• GMAC Mortgage, LLC -vs- Now affiant herein, comes and being first duly sworn, states as follows: Jeffrey Stephan 1. Affiant's position is Limited Signing Officer of GMAC Mortgage, LLC. In such job position affiant has the custody of the accounts of said company, including the account of Heather Goodman, defendant herein. Affiant states that the records of the accounts of said company are compiled at or near the time of occurrence of each event by persons with knowledge of said events, that said records are kept in the course if its regularly conducted business activity, and that it is the regular practice to keep such records related to the business activity. 2. Plaintiff is the holder of the note, mortgage and assignment which are the subject of the within foreclosure action. True and accurate reproductions of the originals as they exist in Plaintiff's files are attached hereto as Exhibits "A" I "8" and "C". 3. Affiant states that there has been a default in payment under the terms of the aforesaid note and mortgage. The account is due for the October 1, 2009 payment and all subsequent payments. Plaintiff has therefore elected to accelerate the entire balance due. 4. Affiant states that there is due on said account a principal balance of $110,048.35, together with interest thereon from September 1, 2009 at 3.875 percent per annum and as may be subsequently adjusted if provided for by the terms of the note, and advances for taxes, insurance or otherwise expended to protect the property. STATE OF -J--.'-ftl---COUNTY OF m~ ey Stephan United Signing Officer ss: Subscribed and sworn 36 q da1~ satisfactor;diXdence to to (or affirmed) before me on this !Yla,i..~ 20 [0 by proved to me on the basis of be the person (s) who appeared before me. C:ft!iJihJ2dJ Notary Publ' My Commission Expires: COMMONWEALm OF PENNSYLVANIA NOTARIAL SEAL Cindy A Stewart, Notary Public Upper Dublin Twp, Montgomery County My Qommission expire. October 19, 2013 2 ';' ,. 20~950681 Ij!b) :~ ·0: " f,I) . \ . ' COURT OF COMMON PLEAS LUCAS COUNTY, OHIO GMAC Mortgage, LLC i Case No.: CI0200908558 I i ! Judge: Charles J. Doneghy i i jAFFIDAVIT IN SUPPORT C iOF MOTION FOR SUMMARY 1 JUDGMENT i i i i !Permanent Parcel No.: 20-08209 I ! Plaintiff, -vs- Defendants. Now comes affiant herein, and being first du y sworn, states as follows: 1. Affiant's position is ~~~WJ 'I Mortgage, LLC. In such job position affiant as the custody of GMAC of the accounts of said company, including the account of [ defendant herein. Affiant states that the records of the accounts of said company are compiled at or near the time of occurrence of each event by persons with knowledge of said events, that said records are kept in the course if its regularly conducted business activity, and that it is the regular practice to keep such records related to the business activity. 2. Plaintiff is the holder of the note and mortgage which are the subject of the within foreclosure action. True and , . , , accurate reproductions of the originals as they exist in Plaintiff's files are attached hereto as Exhibits "A" and "B". 3. A copy of the Assignment, which accounts for documented evidence that the Plaintiff is the holder of the note and mortgage which are the subject of the within foreclosure action, is attached hereto as Exhibit He". 4. Affiant states that there has been a default in payment under the terms of the aforesaid note and mortgage. The account is due for the August 1, 2009 payment and all subsequent payments. Plaintiff has therefore elected to accelerate the entire balance due. 2 s. Affiant states that there is due on said account a principal balance of $131,246.32, together with interest thereon from July 1, 2009 at 6.875 percent per annum and as may be subsequently adjusted if provided for by the terms of the note, and advances for taxes, insurance or otherwise expended to protect the property. STATE OF COUNTY OF sat me. \~~odJ~L\ t~lX)k~+- (Notary Public My Commission Expires: COMMON PENNSYLVANIA Notarial Seal Heather ReInhart, Notary Public Upper Dublin Twp., Montgomery County f.fy Commission Elcpfres 9, 2013 3 i " FILED , "" • '"' l"OUllTY L. ' J I,. ,\:, J I"' ?'~~ SEP 23 P 12; 35 "r<".~'}).j n.r :,s r.nurn '. r IJ!:: i. T! ; ( . : , ~;' ~ '~ IN THE COURT OF COMMON PLEAS LUCAS COUNTY, OHIO GMAC Mortgage, LLC Plaintiff, vs. Defendants. STATEOF 'b ) COUNTYOF~ Case No. CI0200906359 Judge Charles J Doneghy AFFIDAVIT REGARDING ACCOUNT AND COMPETENCY AND MILITARY STATUS Jeffrey Stephan ____ I_,irn_ite_d_S_ign=-_in_g_O_ffi_ce_r_ ("Affiant"), being first duly sworn according to law, deposes and says on the basis of personal knowledge: 1, Affiant is an employee ofGMAC Mortgage, LLC, (the "Plaintiff') and is competent to testify to the matters stated in this Affidavit. GMAC Mortgage, LLC has custody of, and 09-501607-aJm maintains records related to, the promissory note and mortgage that are the subject of this foreclosure action. 2. Attached hereto as Exhibits A and B are true and accurate copies of the original Note and Mortgage that are the subject of this foreclosure action . 3. . signed the promissory note and thus promised, among other things, to make monthly payments on or before the date such payments were due. 4. Plaintiff is entitled to enforce the mortgage on the property commonly known as 6064 Brookstone Village Lane, Sylvania, OH 43560, parcel no. 79-74441. The legal description of the Property is referenced in the Complaint. 5. The note and mortgage are in defau It because monthly payments have not been made. 6. A written notice ofdefault was given in accordance with the terms of the note and mortgage. The default was not cured, and thus the sums due under the note were accelerated. As a result, the full amount of principal and interest due under the note are now required to be paid. Also required to be paid are all costs and expenses incurred in enforcing the note to the extent that the payment of such amounts is not prohibited by Ohio law. 7. Plaintiff is due on the Note principal in the amount of$199,689.58 plus interest on the unpaid principal at the rate of 6.5% from March 1,2009. Late charges, advances made for the payment of taxes, assessments, and insurance premiums, and expenses incurred for the enforcement of the note and mortgage may also be due, to the extent that the payment of such amounts is not prohibited by Ohio law. Ifnecessary, the final amount of some or all of these items will be established at a later date. 8. To the best of Affiant's knowledg, ' /are not minors, incompetent or in the Military Service, as such term is defined in Section 101 (2) ofthe Servicemembers Civil Relief Act, as amended, which amended the Soldiers' and Sailors' 09-501607-ajm Civil Relief Act of 1940, 50 U.S.C. App, § 501. Attached hereto as Exhibit C is a document obtained from the web site of the Department of Defense Manpower Data Center reflecting I ~ are not on Active Duty Military status . . "--- ~ ~ ~-- Subscribed and sworn to before me, a Notary 09.501607·aJm · . 20]012342 (de) .... COURT OF COMMON PLEAS HAMILTON COUNTY, OHIO r-.) ~ ::;;: -n ;;;>' -< ~ 0 r rn J> CJ - _o 'i .. GMAC Mortgage, LLC Case No.: A1003389 Plaintiff, Judge: Melba Marsh -vs- AFFIDAVIT IN SUPPORT OF MOTION FOR SUMMARY JUDGMENT Defendants. Permanent Parcel No.: 590-0391- 0363 ~fcP4~ affiant herein, e sworn, states as follows: 1. Affiant's position is of GMAC Mortgage, L1C. In such job position affiant has the custody of the accounts of said company, including the account of Kathleen L. Lucas, defendant herein. Affiant states that the records of the accounts of said company are compiled at or near the time of occurrence of each event by persons with knowledge of said events, that said records are kept in the course if its regularly conducted business activity, and that it is the regular practice to keep such records related to the business activity. 2. Plaintiff is the holder of the note, mortgage and assignment which are the subject of the within foreclosure action. True and accurate reproductions of the originals as they exist in Now comes and being first duly >, • Plaintiff's files are attached hereto as Exhibits "A", "B" and "C". 3. Affiant states that there has been a default in payment under the terms of the aforesaid note and mortgage. The account is due for the January 1, 2010 payment and all subsequent payments. Plaintiff has therefore elected to accelerate the entire balance due. 4. Affiant s t at e s that there is due on said account a principal balance of $57,084.35, together with interest thereon from December 1, 2009 at 6.5 percent per annum and as may be subsequently adjusted if provided for by the terms of the note, and advances for taxes, insurance or otherwise expended to protect the property. STATE OF Jeffrey Stephan Limited Signing Officer ss: COUNTY OF me. affirmed) before :e on this 20 Lt) by on the basis of appeared before Expires: 2 THE STATE OF OHIO HAMILTON COUNTY HAMILTON COUNTY COURT OF COMMON PLEAS To, Simon L. Leis, Sheriff of Hamilton County, Greetings, Whereas, on the 6TH dayof APRIL2010, GMAC MORTGAGE, Plaintiff, filed in our Court of Common Pleas, in and for the County of Hamilton aforesaid, its certain Complaint against Defendant praying therein, among other things, for the SALE OF CERTAIN REAL ESTATE in said Complaint and hereinafter described. And whereas afterwards - to wit: on the 14TH day of SEPTEMBER, 2010 of said Court of Common Pleas - an order was made in said Court, in said cause, and entered upon its Journal, finding among other things, We therefore command you that you faithfully execute the above and foregoing Order of our said Court of Common Pleas, agreeably to the provisions of the statute of Ohio in such case made and provided, and of your proceedings herein, together with this writ, make the due return to our said Court according to law. By order of Court, IN WITNESS WHEREOF, I have hereunto set my hand and affixed the Seal of said Court at Cincinnati, this 17TH day of SEPTEMBER, A.D. 2010 PATRICIA M. CLAI\JCY Clerk, Court of Common Pleas, Hamilton County, Ohio ,.,--" ./1 I_) \ _r'X'-"~'-' -\ ..._.. '-,.,.. u 0 , Deputy NO. A 1003389 HAMILTON COUNTY COURT OF COMMON PLEAS GMAC MORTGAGE, Plaintiff against . Defendant Order for SALE Returnable According to Law LERNER SAMPSON & ROTHFUSS, Attorney (513)241-3100 CLERK FEES $6.00 PAID BY TAXED IN COSTS SHERIFF'S FEES SALEDA1E ADDRESS CITyrrOWNSHIP _ DA1E APPRAISED _ APPRAISED V ALUE _ VAC OCC SEC EG RE NE #OFPARCELS _ # OF DEED PAGES _ NON-REG. _ REG. _ REG. &NON-REG. _ TOTAL FEES: _ o UJ. , _. LL 200932813 (tr) COURT OF COMMON PLEAS HAMILTON COUNTY, OHIO GMAC Mortgage LLC successor by merger to GMAC Mortgage Corporation lCase No. A0906992 ! Judge Pat DeWine Plaintiff -vs- AFFIDAVIT OF STATUS OF ACCOUNT AND MILITARY AFFIDAVIT Defendants Now comes Jeffrey Stephan Limited Signing Officer Affiant herein, and being first duly sworn, states as follows: 1. Affiant is a with GMAC Mortgage LLC successor by merger to GMAC Mortgage Corporation. In a'" . ~iS j~~osition, Affiant has the custody of and has personal - ~;::: ~owleag~~f the accounts of said company, and specifically with .::r ::r: u., c.. '. the acc~~E~ of (, defendant herein. 0.. Lie;;- t!;5 e:::: t....:: =:-:' c:r 2.r:;:_.)Affiant states that said account is in default and that c::) .. -.. u <: ~ 0... ~ plaintiff has elected to call the entire balance of said account due and payable in accordance with the terms of the note and mortgage attached to the Complaint. 3. Affiant states that there is due on said account a principal balance of $36,632.24, together with interest thereon from the date of default at the rate specified in the note, late IIIIIIIIII~ . D850126~2 .- . 200932813 charges and advances for taxes, insurance or otherwise expended to protect the property. 4. Affiant states that none of the defendant(s) herein are in the military service as defined by the Servicemembers' Civil R~lief Act of 2003. STATE OF r Jeffrey Stephan Limited Signing Officer COUNTY OF I'} ~Subscribed and sworn to !!J( r affirmed) - before /";:n~ on this 0U day of --\U-l-I~t'-'-~-.£.Jo.LI------' 2011.::t-, by JeffrevSteohan prov to me on the basis of satisfactofy' evidence t~o be the person (s) who appeared before me. My Commission Expires: COMMONWEALTH OF ?ENNSVLVANlA Notarial Seal Mary Lynch, Notary Public Upper Dublin Twp .• Montgomery County My CCmmlS!Olon Expires Nov. 3, 2010 Momber, Pennsylvanle Association of Notaries ( 200924577 (kg) 2009 JUL 2L! A fO: WURT OF COMMON PLEAS ~~AMILTON COUNTY, OHIO GMAC ~1~~k~~g~i1~.fil:~Nr.~ccessor by merger "tOI ,GMf\~L,MSiN~.?age Corporat ion ':/' :ft'T'r', Ot! Case No. A090S0S9 Judge Norbert A. Nadel Plaintiff -vs- AFFIDAVIT OF STATUS OF ACCOUNT AND MILITARY AFFIDAVIT Ellen Paige Traynor, et al. Defendants Now comes Jeffrey Stephan Limited Signing Officer Affiant herein, and being first duly sworn, states as follows: 1. Affiant is a with GMAC Mortgage, LLCsuccessor by merger to GMAC Mortgage Corporation. In this job position, Affiant has the custody of and has personal knowledge of the accounts of said company, and specifically with the account of ~, defendant herein. 2. Affiant states that said account is in default and that plaintiff has elected to call the entire balance of said account due and payable in accordance with the terms of the note and mortgage attached to the Complaint. 3. Affiant states that there is due on said account a principal balance of $119,097.70, together with interest thereon from the date of default at the rate specified in the note, late 111111111 nm D84403441 t: charges and advances for taxes, insurance or otherwise expended to protect the property. 4. Affiant states that none of the defendant(s) herein are in the military service as defined by the Servicemembersl Civil Relief Act of 2003. COUNTY OF Jeffrey Stepban Limited Signing Officer STATE OF Su:S:ribed and sworn t9 ,(.PlJ\ affirmed) _~_+L--"U=- day of --'\._JL..>\oI-'\v-M-----"~---- ____ ~-- J~e~f~fr~e~y~S~te~n~h~a~n~ proved to me on the basis of satisfacto-ry evidence to b h"e person (s) who appeared before me. before me 20 OG) on this by Public Expires: ONWEAl. TH OF PENNSYLVANIA NOTARIAL SEAL ~ TWMlfr, Nt;J1ory Pvbh(. ~, Dublin '''''PJ Man1~e,y CO""'y t:O~HIOf1 E"'tJ1(el Ncv 9, 2Q t ~ " . II!I~IIIII~I D84515270 200923694 (tr) Inn~ jUL "3 \ A \0: t 5 I COURT OF COMMON PLEAS HAMILTON COUNTY, OHIO i Case No. A0904949 i I i Judge William L. Mallory Plaintiff -vs- AFFIDAVIT OF STATUS OF ACCOUNT AND MILITARY AFFIDAVIT Defendants Now comes Affiant herein, and being first duly follows: 1. Affiant is a lso with GMAC Mortgage, LLC successor by merger to GMAC Mortgage Corporation. In this job position, Affiant has the custody of and has personal knowledge of the accounts of said company, and specifically with the account of defendant herein. 2. Affiant states that said account is in default and that plaintiff has elected to call the entire balance of said account due and payable in accordance with the terms of the note and mortgage attached to the Complaint. 3. Affiant states that there is due on said account a p~incipal balance of $93,619.78, together with interest thereon f~om the date of default at the rate specified in the note, late ~ .. : 200923694 charges and advances for taxes, insurance or otherwise expended to protect the property. 4. Affiant states that none of the defendant(s) herein are in the military service as defined by the Servicemembers' Civil Relief Act of 2003. STATE OF Jeffrey Stephan IJaMted Signing Officer NO'AIiAl SEAL S.\,I~ J...,..~r. "No'ory PvbUc:. ~pe. Dvb,Wn '''P,. "' .... ' .. ornery Cooo.y " .. , ~.-.untu~on h if.' Nov, 9, 20. i affirmed) before me on this __ ~~~~ , 20 ~q I by proved me on the~is of be the erson (s) who appeared before CI~L~ WEAlTH OF PENNSYLVANIA My Commission Expires: 200923632 (kg) COURT OF COMMON PLEAS HAMILTON COUNTY, OHIO Defendants i Case No. A0904832 i i i Judge Jerome J. Metz i i i ) AFFIDAVIT OF STATUS OF ACCOUNT !AND MILITARY AFFIDAVIT i i ; i i i J i GMAC Mortgage, LLC successor by merger to GMAC Mortgage Corporation Plaintiff -vs- Now comes Jeffrey Stephan Limited Signing Officer, Affiant herein, and being first duly sworn, states as follows: kStr 1. Affiant is a with GMAC Mortgage, LLC successor by merger to GMAC Mortgage Corporation. In this job position, Affiant has the custody of and has personal knowledge of the accounts of said company, and specifically with the account of defendants herein. 2. Affiant states that said account is in default and that plaintiff has elected to call the entire balance of said account due and payable in accordance with the terms of the note and mortgage at ta~altti1i){)::b:eL!.CPfflIll.w.int . SHJnO:) JO >iCl3lJ 3. Affi4.rt~V'"'k1:'M.'gkJl~.lN'at there is due on said account a principal balance of $40,442.00, together with interest thereon Et :01 'V £ I lnr bOOl from the date of default at the rate specified in the note, late IIIIJJJJII~} 03ll;:j 200923632 charges and advances for taxes; insurance or otherwise expended to protect the property. 4. Affiant states that none of the defendant(s) herein are in the military service as defined by the Servicemembers' Civil Relief Act of 2003. STATE OF Jeffrey Stephan Limited Signing Officer COUNTY OF 2 ?:ubscribed and sworn to (Ot\/')~~f' med) before rfl8 on this _t' T rr¥ey'i..t h of f!...-.f~ 20.J..L:..f.-, by . ~e ~ ep an provectto me on the basis of satisfactory evidence to be the person (8) who appeared before me. My Commission Expires: ~EAl.1HO~ PENNSVlV~1A NOll<llAl $EAI F!.L EO ~ 1111 Hili 088730782 201015525 (c j k ) 2DIO JUN _ g A 10: 0 J20URT OF COMMON PLEAS HAMILTON COUNTY, OHIO GMAC M'71~~4~~1. ,rJtltHICY " \~)L'_~.'I OF COuins '.'!' rr,.~: ('11,"0'1'·"" t i ff .• ,. JL, C1.JJJ\ l Defendants Judge Case No. A1004186 -vs- AFFIDAVIT OF STATUS OF ACCOUNT AND MILITARY AFFIDAVIT Now comes leffrey Step)lan Umited Signing Ofticer Affiant herein, and being first duly sworn, states as follows: 1. Affiant is a with GMAC Mortgage, LLC. In this job position, Affiant has the custody of and has personal knowledge of the accounts of said company, and specifically with the account of defendant herein. 2. Affiant states that said account is in default and that plaintiff has elected to call the entire balance of said account due and payable in accordance with the terms of the note and mortgage attached to the Complaint. 3. Affiant states that there is due on said account a principal balance of $80,871.85, together with interest thereon from the date of default at the rate specified in the note, late charges and advances for taxes, insurance or otherwise expended to protect the property. · . . 4. Affiant states that none of the defendants herein are in the military service as defined by the Servicemembers' Civil Relief Act of 2003. Copies of Affiant's results from searching the Department of Defense Manpower Data Center are attached as Exhibit 'A'. COUNTY OF Jeffrey Stephan Limited Signing Officer STATE OF Subscr ibed and sworn affirmed) -----1_+_ day of -------4Jt'!ltrrfrfE .. ;I;.;¥-':~StRleiDghA<aDl&I·I'" proved 0 me satisfactory evidence t'o+ be the person (5) me. before me 20 LQ on this by on the basis of who appeared before Notary Pub ic My Commission Expires: COMMONWEALTH OF PENNSYlVANIA Notanal Seal Mary Lynch, Notary Public Upper Dublin Twp., Montgomery County My Commla.slon Expires Nov. 3,2010 Member, Pennsytvanla Association or Notaries 'LUlU JUL - b P \: \ '0 " 111""'"", , 089051316 . -. - _-"'" IN THE COURT OF COMMON PLEAS HAMILTON COUNTY, OHIO GMAC Mortgage, LLC Plaintiff, vs. Defendants. STATE OF ~1\'~ umg)'"SwY COUNTY OF -' Case No. A I Do L.{ I 0 3 Judge rJADe1- AFFIDAVIT REGARDING ACCOUNT AND MILITARY STATUS le~ s~eph~cer Limlted S\gnlng ("Affiant"), being first duly sworn according to law, deposes and says on the basis of personal knowledge: 1, Affiant is an employee of GMAC Mortgage, LLC, (the "Plaintiff') and is competent to testify to the matters stated in this Affidavit. GMAC Mortgage, LLC has custody of, and maintains records related to, the promissory note and mortgage that are the subject of this foreclosure action. Ref# lO-506327/SKD 2. Attached hereto as Exhibits A and B are true and accurate copies of the original Note and Mortgage that are the subject of this foreclosure action. signed the promissory note and thus promised, among other things, to make monthly payments on or before the date such payments were due. 4. Plaintiff is entitled to enforce the mortgage on the property commonly known as 593 3. Brunner Drive, Cincinnati, OH 45240, parcel no. 591-0003-0168-00. The legal description of the Property is referenced in the Complaint. 5. The note and mortgage are in default because monthly payments have not been made. 6. A written notice of default was given by First Class mail as provided by the terms of the note and mortgage. The default was not cured, and thus the sums due under the note were accelerated. As a result, the full amount of principal and interest due under the note are now required to be paid. Also required to be paid are all costs and expenses incurred in enforcing the note to the extent that the payment of such amounts is not prohibited by Ohio law. 7. Plaintiff is due on the Note principal in the amount of$131,669.97 plus interest on the unpaid principal at the rate of6% from November 1,2009. Late charges, advances made for the payment of taxes, assessments, and insurance premiums, and expenses incurred for the enforcement of the note and mortgage may also be due, to the extent that the payment of such amounts is not prohibited by Ohio law. If necessary, the final amount of some or all of these items will be established at a later date. 8. To the best of Affiant's knowledge, . is not in the Military Service, as such term is defined in Section 101 (2) of the Scrvicemcmbers Civil Ref# IO-506327/SKD Relief Act, as amended, which amended the Soldiers' and Sailors' Civil Relief Act of 1940,50 U.S.C. App. § 501. Attached hereto as Exhibit C is a document obtained from the web site of the Department of Defense Manpower Data Center reflecting that.. / is not on Active Duty Military status. • !effrey Stephan . Umited Signing Officer Subscribed and sworn before me, a Notary P lic, .... tl1is _3_ day of ~, 20 10. j~~b~'MW COMMONWEALTH Of PfN~VANIA Notarial Seal rn'na WlltbIlnk, ~ry Public upPer OUIl/I" T\¥p., MO~ Caunty My Comm!!!IQII flpJI'I!! __ 10 1013 Member, Pennsvlvanla Assoda~ d Nota!~ Rcf# lO-506J27/SKD ., -' (11'"1I1111f ~ : D88851913 \ .~. ..r"~ F~ 201014568 (kg) COURT OF COMMON PLEAS HAMILTON COUNTY, OHIO ---------.-- -.---_J GMAC Mortgage, LLC successor by merger to GMAC Mortgage Corporation fka GMAC Mortgage Corporation of PA Case No. AI003595 Judge Ralph Winkler Plaintiff AFFIDAVIT OF STATUS OF ACCOUNT AND MILITARY AFFIDAVIT -vs- Defendants Now comes Affiant herein, and being first duly sworn, states as follows: 1. Affiant is a Lf.o with GMAC Mortgage, LLC successor by merger to GMAC Mortgage Corporat ion fka GMAC Mortgage Corporation of PA. In this job position, Affiant has the custody of and has personal knowledge of the accounts of said company, and specifically with the account of defendants herein. 2. Affiant states that said account is in default and that , ::::: pl@htiff has elected to call the entire balance of said account ;'~ o» 0 ., 7:~~ duJd an~ayable In accordance with the terms of the note and <.(c_j-,.: A ~ _I;:?::L '-..I.. I I I (_) ,_:> :J - i..J".J u,-, Ao-,rr at.t h d t th C La i t :E.;c~:::.~~mor'~"jage . .....Jl ac e 0 e amp a i.n . c:..t -._J ~.:.:=:. ~ ~ w~~~ § ___ ex:: _1 _, n~\J,~--; = ~t~.)~~ ~~ ~"':" 3. Affiant states that there is due on said account a principal balance of $57,188.81, together with interest thereon from the date of default at the rate specified in the note, late charges and advances for taxes, insurance or otherwise expended to protect the property. 4. Affiant states that none of the defendant(s) herein are in the military service as defined by the Servicemembers' Civil Relief Act of 2003. Copies of Affiant's results from searching the· Department of Defense Manpower Data Center are attached as Exhibit 'A'. STATE OF Jeffrey Stephan Limited Signing OtTICCf COUNTY OF sworn to of irmed) be f o r e me on this 20 1'0 by on the basis of who appeared before proved to be the me person(s) txwrbu~ Notary Public My Commission Expires: (,OMMONWt:Al,.1 tl ..:if PENNSYlVANI~ NorA'tAL SEAl Niltoae St.e.itOl~ NotOt)' f'ybU\. VPI'.; Dub lin ':"".; Montvomery C"""1 My;'CorMIlulon fxp ..... A~. 1 r, :t010 1 . \ iI'_.j ...... " . . ( COURT OF COMMON PLEAS HAMILTON COUNTY, OHIO 201002877 (cjk) 087539971 \, ..... _.-- GMAC Mortgage, LLC Case No. A1001144 Plaintiff Judge Melba Marsh -vs- AFFIDAVIT OF STATUS OF ACCOUNT AND MILITARY AFFIDAVIT Now Defendants Jeffrey Sl~phan . Limited Signing Officer comes Affiant herein, and being first duly sworn, states as follows: l~O, 1. Affiant is a with GMAC Mortgage, LLC. In this job position, Affiant has the custody of L0 and ha~ personal knowledge of the accounts of said company, and a A .,'::- .r: j ~ 'U (/) ':': <;;_, . ~'Pecif~cally <.w:_i.1f,b the account of _, ., -J.::::l .... , c .. ,)C)~ . CO . : :aefenclants h:'e'reih. , J - 0:: <::r:c;;:: Lt.. ~ _'''-c '. ~. 1I5Plfiant states that said account is in default and that ~ ~lU-. ~ I--/~ '" -<r (J.f plaintiff A'as ~'elected to call the entire balance of said account due and payable in accordance with the terms of the not.e and mortgage attached to the Complaint. 3. Affiant states that there is due on said account a principal balance of $102,014.13, together with interest thereon from the date of default at the rate specified in the note, late charges and advances for taxes, insurance or otherwise expended to protect the property. 4. Affiant states that none of the defendants herein are in the military service as defined by the Servicemembers ' Civil Relief Act of 2003. Copies of Affiant's results from searching the Department of Defense Manpower. Data Center are attached as Exhibit 'A'. STATE OF (!If Jeffrey Stephan Limited Signing Officer COUNTY OF Montgom.ery (1scribe:ayand os;orn to.tCrlffirmed) befo;~ 10 .o,n th~~ Jeffrey Stephan _proved to me on the 1 basis of -s-a-t-i-S-f-a-c-t-o-r-y-;-~--"i{r==i:;;-'d;:;-:e;-n-c'-··e""""'~cebe the person (s) who appeared before me. Gtau~-;;Y Notary PU~ My Commission Expires: CO~NWEALm OF P'ENNSYLVANlA NOTARIAL SEAL Cindy A. Stewart, Notary Public Upper Dublin Twp, Montgomery County My commission elpires October 19,2013 .~01000343 (tr) COURT OF COMMON PLEAS HAMILTON COUNTY, OHIO GMAC Mortgage, LLC successor by merger to GMAC Mortgage Corporation Case No. AI000522 Judge Charles J. Kubicki, Jr. Plaintiff -vs- AFFIDAVIT OF STATUS OF ACCOUNT AND MILITARY AFFIDAVIT Defendants Now comes . !effrey Stepbau T .muted Sil.min!! Officer Affiant herein, and being first duly sworn, states as follows: 15 Af;Jant is a L~b with GMAC a -.._ :::: f/J t; L .... t.:.I--, Mortgage, LSC~~uccessor by merger to GMAC Mortgage Corporation. c...><:> :' . ~_) - tr» tfi'fs job!:"p_o~'1tion, Affiant has the custody of and has personal a...t. Ee <:{ <...::l ~. . . L<.. u :r.: c. kno~edge &2_f':Jhe accounts of said company I and speci fically with ?S t-. '-( .-' ("-J c~ c: the accounE of -_ , defendant herein. 2. Affiant states that said account is in default and that plaintiff has elected to call the entire balance of said account due and payable in accordance with the terms of the note and mortgage attached to the Complaint. 3. Affiant states that there is due on said account a principal balance of $60,724.42, together with interest thereon from the date of default at the rate specified in the note, late ( ..charges and advances for taxes, insurance or otherwise expended to protect the property. 4. Affiant states that none of the defendant(s) herein are in the military service as defined by the Servicemembers' Civil Relief Act of 2003. Copies of Affiant's results from searching the Department of Defense Manpower Data Center are attached as Exhibit 'A'. COcrNTY OF Jeffrey Stephan LImited Signing Officer STATE OF Subscribed and sworn to f'hom affirmed) __ ~ __ ~~_ day of +·~~~lL~---- -- __ -,-- -,--=--=---'!J~'elfr;~ey=-"S:.:.tep=h:=a~n_,_ p rov~ t a me on satisfactdr4r;·-evidence 'to be the person (s) who before me on this 20{O. by the basis of appeared before me. ~~1:bst Notary Public My Commission Expires: COMMONWf:AL 1 t' vF- PENNSYLVANIA ~IOIARIAI SEAl 1'110* Shol'o", No'O'! Pllblk Upp.f Dublin t .... v., MQrtlgomefY C.O'JOIY M.Y Comrnl~\iOIl hpire5 Aug. 11, '2Pl0 COpy ., . f' 200904000 Loan No. 0359524161 (mge) GMAC Mortgage, no:; APR f~u81I~~3POMMON PLEAS SUMMI~ ~OUNTY, OHIO sUlv1tvin 0 -, :0[\] f Y L~tERK OF COI..JHTS Case No. CV-2009-02-0978 Plaintiff Judge Judy Hunter -vs- AFFIDAVIT OF STATUS OF ACCOUNT AND MILITARY AFFIDAVIT Defendants Now comes Jeffrey Stephan Limited Signing Officer Affiant herein, and being first duly sworn, states as follows: LSD, 1. Affiant is a with GMAC Mortgage, LLC. In this job position, Affiant has the custody of and has personal knowledge of the accounts of said company, and specifically with the account of . defendant herein. 2. Affiant states that said account is in default and that plaintiff has elected to call the entire balance of said account due and payable in accordance with the terms of the note and mortgage attached to the Complaint. 3. Affiant states that there is due on said account a principal balance of $88,448.95, together with interest thereon from the date of default at the rate specified in the note, late COpy 200904000 charges and advances for taxes, insurance or otherwise expended to protect the property. 4. Affiant states that none of the defendant herein are in the military service as defined by the Servicemembers' Civil Relief Act of 2003. STATE OF _.._\D_fY _) ) ss Montgomery ) . !effrey Stephan Limited Signing Officer COUNTY OF \() SUb, scribed and sworn t0rt0r affirmed) _ day 0 f -----1fPo---'d''''''O,L-' _ . !effrejSte1)h.an proved to me on T _ satisfactory evidence to be the person (s) who me. before me on this 200'1 -, by the basis of appeared before COMMONWEALTH OF PENNSYLVANIA ~ l..ill ~e;_ 19fyc J .-Jt:€) Notary Public My Commission Expires: NOTARIAL SEAL Nlkole Shelton, Notary Public: Upper Dublin Twp., Moorgomery County My Commhsion Expires Avg. 11, 2010 Mernbel, Pennsylvumo A.srociollOf1 01 NotOIle< COpy -vs- '"I ~. . . - 1'!/lr'V,'cL f 1,-. Ali. ;.//): )tl .." • 'L'i7r;1I"::11 A J .(1~J)·i14 r '-CIlIV 28 P}f • co~uS!g, ~. COMMON2 pQfiAS 'Ollcf!)NT?f." OHIO f: C(j'V Y LLC successor by ! Y&T/g No. CV 2009 02 1184 I Mortgage ! I ! Judge Paul Gallagher I I I I iAFFIDAVIT OF STATUS OF ACCOUNT I I AND MILITARY AFFIDAVIT I I I ! ! I I 200906632 (tr) GMAC Mortgage, merger to GMAC Corporation Plaintiff Defendants Now comes ~~ being first duly sworn, states as follows: Affiant herein, and 1. Affiant is a LSQ with GMAC Mortgage, LLC successor by merger to GMAC Mortgage Corporation. In this job position, Affiant has the custody of and has personal knowledge of the accounts of said company, and specifically with the account of defendants herein. 2. Affiant states that said account is in default and that plaintiff has elected to call the en~ire balance of said account due and payable in accordance with the· terms of the note and mortgage attached to the Complaint. 3. Affiant states that there is due on said account a principal balance of $79,445.80, together with interest thereon from the date of default at the rate specified in the note, late COpy .JtI , .,_,_ , "10906632 charges and advances for taxes, insurance or otherwise expended to protect the property. 4. Affiant states that none of the defendant(s) herein are in the military service as defined by the Servicemembers' Civil Relief Act of 2003. Jeffrey Stephan lJmited Signing Officef STATE OF before~on this _~-L.:>.~__""'''"4'><-l,-,+ ' 2 0 , by on the asis of who appeared before me me. I,;OMMONWEAL1H OF PENNSYlVANIA NOTARIAL SEAL ·v!'UI'f Lrnc.;h, NOlal f Pl,lt,Ih. ~"'P'" O",blin T .... p .• Monlijornef~ i..u....-n', My Commhslon Explre\ No ... , 3, 20'0 COpy .. 200901143 Loan No. (ch) ZflO~ JUN I 2 PM I: 2 I COURT OF COMMON PLEAS su~rYIff1U')8RJ~¥TY, OHIO CLERK OF COUF~~~ a seN o. CV 2009 02 1189 GMAC Mortgage, LLC Plaintiff Judge Thomas A. Teodosio -vs- AFFIDAVIT OF STATUS OF ACCOUNT AND MILITARY AFFIDAVIT Defendants Now comes ~.;\lb Affiant herein, and being first duly sworn, states as follows: 1. Affiant is a with GMAC Mortgage, LLC. In this job position, Affiant has the custody of and has personal knowledge of the accounts of said company, and specifically with the account c . defendant herein. 2. Affiant states that said account is in default and that plaintiff has elected to call the entire balance of said account due and payable in accordance with the terms of the note and mortgage attached to the Complaint. 3. Affiant states that there is due on said account a principal balance of $80,789.71, together with interest thereon from the date of default at the rate specified in the note, late charges and advances for taxes, insurance or otherwise expended to protect the property. COpy ,J .. 200901H3 4. Affiant states that none of the defendant(s) herein are Relief Act of 2003. in the military service as defined by the Servicemembers' Civil STATE OF Jeffrey Stephan Limited Signing Officer COUNTY OF Su ~cribed and sworn to~ affirmed) _".....--T7r-L . ...,;,.; I day of R~ ,.... , . ~ proved fto me on ctory evidence to be the person (s) who before me on 2 0 ___f2!]_, the '6asis appeared me. Expires: COMMO,,:!~VEt~~~"SYLVANIA G t·,mIl111\. SCAl Svsnn Turner, N"JTory Pvbtk er Dublin r,~ p., M~nTgon\cry C?Unfy Conlmh~H:-1l I:)(pi'e~ No'll. 9, 201: Mem~POnnSYlvanlO I\ssoclolion 01 Notaries this by of before COpy ~ , , 20D:; APR - 7 PM 3: I 7 SUMMIT CC)UNTY CLERK OF COURTS IN THE COURT OF COMMON PLEAS SUMMIT COUNTY, OHIO GMAC Mortgage, LLC Plaintiff, vs. Defendants. ",.. STATE OF ,)LA-- ) \ , . ) SS COUNTY OF - ... ) Judge AFFIDAVIT REGARDING ACCOUNT AND COMPETENCY AND MILITARY STATUS Jeffrey Stephan limited Signing Officer (Affiant), being first duly sworn according to law, deposes and says on the basis of personal knowledge: 1. Affiant is an employee ofGMAC Mortgage, LLC, (the "Plaintiff') and is competent to testify to the matters stated in this Affidavit. GMAC Mortgage, LLC has custody of, and maintains records related to, the promissory note and mortgage that are the subject of this foreclosure action. D:\NcwlmageExpress-VscPDF\Tcmp\111815896.doc I ~I 2. Attached to the Complaint as Exhibits A and B are true and accurate copies of the original Note and Mortgage that are the subject of this foreclosure action. -r-. 3. .igned the promissory note and thus promised, among other things, to make monthly payments on or before the date such payments were due. 4. Plaintiff is entitled to enforce the mortgage on the property commonly known as 231 Wadsworth Avenue, Cuyahoga Falls, OH4422 I , parcel no. 02-11803. The legal description of the Property is referenced in the Complaint. 5. The note and mortgage are in default because monthly payments have not been made. 6. A written notice of default was given in accordance with the terms of the note and mortgage. The default was not cured, and thus the sums due under the note were accelerated. As a result, the full amount of principal and interest due under the note are now required to be paid. Also required to be paid are all costs and expenses incurred in enforcing the note to the extent that the payment of such amounts is not prohibited by Ohio law. 7. Plaintiff is due on the Note principal in the amount of $84, 198.48 plus interest on the unpaid principal at the rate of 5.875% from July 1, 2008. Late charges, advances made for the payment of taxes, assessments, and insurance premiums, and expenses incurred for the enforcement of the note and mortgage may also be due, to the extent that the payment of such amounts is not prohibited by Ohio law. If necessary, the final amount of some or all of these items will be established at a later date. 8. To the best of Affiant's knowledge, _Ire not minors, incompetent or in the Military Service, as such term is defined in Section 101 (2) of the COpy .. ~:. .,') 2009. Servicemembers Civil Relief Act, as amended, which amended the Soldiers' and Sailors' Civil Relief Act of 1940, 50 U.S.C. App. § SOl. Attached hereto as Exhibit A is a document obtained from the web site of the Department of Defense Manpower Data Center reflecting that are not on Active Duty Military status. Notary Public COMMO~'WEALTH OF PENNSYLVANIA NO'ARIA~ SEAL Scscn 'lcmer, N<>tory Publk Upper Ovblin Twp .. Montgo;'llcry County My Comtnbsion Explre s Nev. 9, 2011 I GOPY .. 200918006 (mge) LuJ9 SEP 23 FI'l !~~: 1 9 COURT ;PJIViEPj'll'1~~~Uf, t1~AS SUMM-Ii'JJ-rQP9Nifi',."I'~p\J~O. -v1-l:ttl \ ' .... /1 f.._"",_'IUhrr~~ Plaintiff i Case No. CV-2009-05-3873 ! I ! Judge Brenda Burnham Unruh I I I GMAC Mortgage, LLC -vs- (AFFIDAVIT OF STATUS OF ACCOUNT lAND MILITARY AFFIDAVIT I Now comes~S ~ being first duly sworn, states as follows: Affiant herein, and 1. Affiant is a L SO with GMAC Mortgage, LLC. In this job position, Affiant has the custody of and has personal knowledge of the accounts of said company, and specifically with the account of defendants herein. 2. Affiant states that said account is in default and that plaintiff has elected to call the entire balance of said account due and payable in accordance with the terms of the note and mortgage attached to the Complaint. 3. Affiant states that there is due on said account a principal balance of $120,884.31, together with interest thereon from the date of default at the rate specified in the note, late charges and advances for taxes, insurance or otherwise expended to protect the property. ~Opy , , " 200918006 Darla Z. Haviland, et al. 4. Affiant states that none of the defendants herein are in the military service as defined by the Servicemembers' Civil Relief Act of 2003. affirmed} before me 20a~ to (or ;:Jivn=L sworn of , basis appeared before on who the proved to me to be the person (s) ~L9he)~ Notary Public My Commission Expires: COMMONWt:AL1H OF PENNSYLVANIA NorA~IAl SEAL Nikol. SI .. """. NOlal, pvbl;.; ~p.r Ovblio TWI!., Mon'lJomo,y CO""" r (0"""1",,,,, E.pir •• AIIlI.I I 2010 on this by of COpy 200936631 (ch) ~tmlk~Oofl~~W~N PLEAS SUMMIT COUNTY, OHIO SUlvlMI \ (_: ,jl'.! I ( CLERK OF COUfF§ase No. CV 2009 09 6482 ! GMAC Mortgage, LLC Plaintiff Judge Tom Parker -vs- AFFIDAVIT OF STATUS OF ACCOUNT AND MILITARY AFFIDAVIT Defendants Now comes Jeffrey Stephan I.imited Signing Officer Affiant herein, and being first duly sworn, states as follows: \~O with GMAC 1. Affiant is a Mortgage, LLC. In this job position, Affiant has the custody of and has personal knowledge of the accounts of said company, and specifically with the account of defendant herein. 2. Affiant states that said account is in default and that plaintiff has elected to call the entire balance of said account due and payable in accordance with the terms of the note and mortgage attached to the Complaint. 3. Affiant states that there is due on said account a principal balance of $88,073.58, together with interest thereon from the date of default at the rate specified in the note, late charges and advances for taxes, insurance or otherwise expended to protect the property. COpy 4. Affiant states that none of the defendant(s) herein are Relief Act of 2003. in the military service as defined by the Servicemembers' Civil STATE OF COUNTY OF Jeffrey Stephan Limited Signing Officer S~cribed and swor ____ ~_'-- day -(>f·· Jeffrey Stephan affirmed) , befo;~ d!?-)~ th!~ on the basis of who appeared before satisfa-ctory eviden75'e" to me. Commission Expires: COMMoNwE AUH Of PENNSYLVANIA from the date of default at the rate specified in the note, late ~ 201015340 (cjk) !JANIEL M,HORRIGAN GMAC Mortgage, LLC KB<banHil ~J6 ctiMHGN 8?LEAS SUMMIT COUNTY, OHIO SUMMIT U.~!j~ I Y a CLERK OF COUrff~e No. CV 2010 05 3329 I { Plaintiff Judge Elinore Marsh Stormer -vs- AFFIDAVIT OF STATUS OF ACCOUNT AND MILITARY AFFIDAVIT Defendants Now comes J~~ 8J(hrw Affiant herein, and being first duly sworn, states as follows: 1. Affiant is a with GMAC Mortgage, LLC. In this job position, Affiant has the custody of and has personal knowledge of the accounts of said company, and specifically with the account 01 defendant herein. 2. Affiant states that said account is in default and that plaintiff has elected to call the entire balance of said account due and payable in accordance with the terms of the note and mortgage attached to the Complaint. 3. Affiant states that there is due on said account a principal balance of $119,755.52, together with interest thereon charges and advances for taxes, insurance or otherwise expended to protect the property. COpy ~ 4. Affiant states that none of the defendants herein are in the military service as defined by the Servicemembers' Civil Relief Act of 2003. STATE OF effrey Stephan Limited Signing Officer COUNTY OF M (or pro~ affirmed) before me on this 20 ID by on the basis of who appeared before to me be the me. Notary Public My Commission Expires: l.OMMONWf:l\l.lll vi-PENNSYLVANIA NOTARiAl SEAL Niltole ~heltoll. Notory'-Publilo. \JPP~:' ()yblin T:'" p , Mon'9omery County My~.ComminiQ!' E"'pires Avq,. 1'1,2010 COpy , . IN THE COURT OF COMMON PLEAS SUMMIT COUNTY, OHIO ............ , (('\ GMAC Mortgage, LLC Case No. CV-2010-05-3544 ~ Plaintiff, Judge Tom Parker vs. AFFIDAVIT REGARDING ACCOUNT AND MILITARY STATUS Defendants. STATE OF __ __,.9_1\--,--,) ) SS MontgOlJ1ery COUNTY OF Jeffrey Stephan Limited Si.~i'J.li OffiG~~ _____________ ("Affiant"), being first duly sworn according to law, deposes .. and says 0.z:1 tl)~~asi~.~f.E.~rsonal knowledge: 1. Affiant is an employee of GMAC Mortgage, LLC, (the "Plaintiff') and is competent to testify to the matters stated in this Affidavit. GMAC Mortgage, LLC has custody of, and maintains records related to, the promissory note and mortgage that are the subject of this foreclosure action. 2. Attached to the Complaint as Exhibits A and B are true and accurate copies of the original Note and Mortgage that are the subject of this foreclosure action. Ref# JO-508375/mJb COpy .. 3. l' 'igned the promissory note and thus promised, among other things, to make monthly payments on or before the date such payments were due. 4. Plaintiff is entitled to enforce the mortgage on the property commonly known as 1161 Monteray Drive, Akron, OR 44305, parcel no. 6853954. The legal description of the Property is referenced in the Complaint. 5. The note and mortgage are in default because monthly payments have not been made. 6. A written notice of default was given by First Class mail as provided by the terms of the note and mortgage. The default was not cured, and thus the sums due under the note were accelerated. As a result, the full amount of principal and interest due under the note are now required to be paid. Also required to be paid are all costs and expenses incurred in enforcing the note to the extent that the payment of such amounts is not prohibited by Ohio law. 7. Plaintiff is due on the Note principal in the amount of $56,05 1.56 plus interest on the unpaid principal at the rate of 9% from December 1, 2009. Late charges, advances made for the payment of taxes, assessments, and insurance premiums, and expenses incurred for the enforcement of the note and mortgage may also be due, to the extent that the payment of such amounts is not prohibited by Ohio law. If necessary, the final amount of some or all of these items will be established at a later date. 8. To the best of Affiant's knowledge, are not in the Military Service, as such term is defined in Section 101 (2) of the Servicemembers Civil Relief Act, as amended, which amended the Soldiers' and Sailors' Civil Relief Act of 1940,50 U.S.C. App. § 501. Attached hereto as Exhibit A is a document obtained Ref# IO-508375/mlb COpy . ' , . from the web site of the Department of Defense Manpower Data Center reflecting that Subscribed and sworn before me, a Notary Jeffrey Stephan Limited Signing Officer day 0rff.)!jjjJ 2010. ~ (QLt· t:t:&J Notary Public "OMMONWtoI\Llll v~ PENNSYLVANIA Nlkole Sheifon, NOfer)' Publj~ Upper Owblln l.,.."" MQnf'YQ(nefY CQunl, NIL CDmn!lnion bpi te , AVII· 11,2010 Refit 10-5083 75/mlb COPY. I DN\llEL M. HORRIGAN 201020044 (ch) ?llIOSFPJn PM 12: 55 I. 'Co J:rT OF COMMON PLEAS .qU~JT CQUNTY OHIO SUMMI [ CUUI\l r y , LLC~Qfo~~~Rl'S Case No. CV 2010 06 4105 17 GMAC Mortgage, merger to GMAC Mortgage Corporation Judge Paul Gallagher Plaintiff Defendants AFFIDAVIT OF STATUS OF ACCOUNT jAND MILITARY AFFIDAVIT j j i ! I i j -vs- ~~~, Affiant herein, and being first duly sworn, states as follows: Now comes 1. Affiant is a LS6 with GMAC Mortgage, LLC successor by merger to GMAC Mortgage Corporation. In this job position, Affiant has the custody of and has personal knowledge of the accounts of said company, and specifically with the account of defendants herein. 2. Affiant states that said account is in default and that plaintiff has elected to call the entire balance of said account due and payable in accordance with the terms of the note and mortgage attache& to the Complaint. ) 3. Affiant states that there is due on said account a principal balance of $17,214.34, together with interest thereon from the date of default at the rate specified in the note, late COpy. charges and advances for taxes, insurance or otherwise expended to protect the property. 4. Affiant states that none of the defendants herein are in the military service as defined by the Servicemembers I Civil Relief Act of 2003. STATE OF Jeffrey Stephan Limited SiguDg Officer COUNTY OF \!tf~.~ffirmedl befo~~ /'0 on th~~ p r ved to me on the basis of be the person (s) who appeared before me. Notaurypubl c My Commission Expires: COMMONWEALTH OF PENNSYLVANIA Notarial Seal Mary Lynch, Notary Pubflc Upper Dublin Twp., Montgomery COUnty My Commlssion Expires Nov. 3,2010 Member, Pennsylvania Association 01 Notaries COpy DANIEt. M, HORRIGAN 201020016 (ch) COU~~O §~p ~JMJ~ I~h~s SUMMIT CQUNTY, OHIO SUMMit C( )Ui\rf Y CLERK OF (QQ~1TNb. CV 2010 06 4332 I g GMAC Mortgage, LLC Plaintiff Judge Lynne Callahan -vs- AFFIDAVIT OF STATUS OF ACCOUNT AND MILITARY AFFIDAVIT Defendants Now comes Affiant herein, and being first duly sworn, states as follows: 1. Affiant isa LSo with GMAC Mortgage, LLC. In this job position, Affiant has the custody of and has personal knowledge of the accounts of said company, and specifically with the account of defendant herein. 2. Affiant states that said account is in default and that plaintiff has elected to call the entire balance of said account due and payable in accordance with the terms of the note and mortgage attached to the Complaint. 3. Affiant states that there is due on said account a principal balance of $61,580.52, together with interest thereon from the date of default at the rate specified in the note, late charges and advances for taxes, insurance or otherwise expended to protect the property. COpy 4. Affiant states that none of the defendant(s) herein are in the military service as defined by the Servicemembers' Civil Relief Act of 2003. STATE OF Jeffrey Stephan Limited Signing Officer COUNTY OF Subscribed and sworn '30 day of "I~~rc:.y Ste.-(?kc--r- affirmed) before me on this 20 [0 by the basis of appeared before satisfactory evidence me. Expires: COMMUNWEAL! H or: PI;:NNSYLVANIA NOT~"IAL Sf"~ U ~uloon Turl1e'r, NorUf) Pvldh pper l>vbl~ T .. p., MOllt~Qn:~f, COunf" ~Sgmt'uuloo b~ife-J ,._.u v. 9, ~Ol I Redacted by Clerk of Court ELECTRONICALLY FILED COURT OF COMMON PLEAS Friday, April 09, 2010 4:03:35 PM CASE NUMBER: 2009 CV 10236 Docket !D: 14969763 GREGORY A BRUSH CLERK OF COURTS MONTGOMERY COUNTY OHIO 200954393 (tr) COURT OF COMMON PLEAS MONTGOMERY COUNTY, OHIO GMAt Mortgage, LLC successor by merger to GMAC Mortgage Corporation Case No. 09 10236 Judge A.J. Wagner Plaintiff -vs- AFFIDAVIT OF STATUS OF ACCOUNT AND MILITARY AFFIDAVIT et al. Now Defendants Jeffrey Stephan Limited Signing Officer comes Affiant herein, and being first duly sworn, 1. Affiant is a states as follows: \9:0 with GMAC Mortgage, LLC successor by merger to GMAC Mortgage Corporat ion. In this job position, Affiant has the custody of and has personal knowledge of the accounts of said company I and specifically with the account of ~ defendants herein. 2. Affiant states that said account is in default and that plaintiff has elected to call the entire balance of said account due and payable in accordance with the terms of the note and mortgage attached to the Complaint. 3. Affiant states that there is due on said account a principal balance of $17,146.76, together with interest thereon from the date of default at the rate specified in the note, late charges and advances for taxes, insurance or otherwise expended to protect the property. 4. Affiant states that a complete copy of the payment history for the account of the defendant(s) is attached as Exhibit 'A'. 5. Affiant states that none of the defendants herein are in the military service as defined by the Servicemembers' Civil Relief Act of 2003. STATE 0 COUNTY OF sworn to (or affirmed) .J)f?f ;:' 1'7}.b ...? C proved to me ence to be the person (s) befOre?~ on this , 20~, by on the basis of who appeared before me. L1_j__l~ ~Notary Public My Co~~ission Expires: AFFIDAVIT REGARDING ACCOUNT AND MILITARY STATUS ELECTRONICALLY FILED COURT OF COMMON PLEAS Wednesday, February 17, 2010 1 :04:32 PM CASE NUMBER: 2009 CV 10548 Docket 10: 14802100 GREGORY A BRUSH CLERK OF COURTS MONTGOMERY COUNTY OHIO IN THE COURT OF COMMON PLEAS MONTGOMERY COUNTY, OHIO .................................................... , " . et al. Judge Frances E McGee GMAC Mortgage LLC Case No. 2009 cv 10548 Plaintiff, vs. Defendants. STATE OF if}- ) ) SS COUNTYOF ~) ("Affiant"), being first duly sworn according to Jaw, depo es and says on the basis of personal knowledge: 1. Affiant is an employee of GMAC Mortgage LLC (the "Plaintiff') and is competent to testify to the matters stated in this Affidavit. The Plaintiff has custody of, and maintains records related to, the promissory note and mortgage that are the subject of this foreclosure action. 09-507444-A vu 2. Attached hereto as Exhibits A and B are true and accurate copies of the original Note and Mortgage that are the subject of this foreclosure action. 3. Jigned the promissory note and thus promised, among other things, to make monthly payments on or before the date such payments were due. 4. Plaintiff is entitled to enforce the mortgage on the property commonly known as 817 Macmillan Drive, Trotwood, OH 45426, parcel no. H33 001120004. The legal description of the Property is referenced in the Complaint. 5. The note and mortgage are in default because monthly payments have not been made. 6. A written notice of default was given in accordance with the tenus of the note and mortgage. The default was not cured, and thus the sums due under the note were accelerated. As a result, the full amount of principal and interest due under the note are now required to be paid. Also required to be paid are all costs and expenses incurred in enforcing the note to the extent that the payment of such amounts is not prohibited by Ohio law. 7. Plaintiff is due on the Note principal in the amount of$79,125.86 plus interest on the unpaid principal at the rate of 5.875% from July 1,2009. Late charges, advances made for the payment of taxes, assessments, and insurance premiums, and expenses incurred for the enforcement of the note and mortgage may also be due, to the extent that the payment of such amounts is not prohibited by Ohio law. If necessary, the final amount of some or all of these items will be established at a later date. 8. To the best of Affiant's knowledge, 1 s not in the Military Service, as such term is defined in Section 101 (2) of the Servicemembers Civil Relief Act, as amended, which amended the Soldiers' and Sailors' Civil Relief Act of 1940, 50 U.S.C. 09·507444·A vu the Department of Defense Manpower Data Center reflect' IS App. § 501. Attached hereto as Exhibit C is a document obtained from the web site of not on Active Duty Military status. Subscribed and sworn before me, a Notary Public 09·507444·A vu ELECTRONICALLY FILED COURT OF COMMON PLEAS Thursday, May 06, 20102:56:44 PM CASE NUMBER: 2010 CV 00022 Docket ID: 15050584 GREGORY A BRUSH CLERK OF COURTS MONTGOMERY COUNTY OHIO IN THE COURT OF COMMON PLEAS MONTGOMERY COUNTY, OHIO ., , , , .. , Plaintiff, Judge Barbara P Gorman GMAC Mortgage, LLC Case No. 2010 cv 00022 VS. Defendants. AFFIDAVIT REGARDING ACCOUNT AND MILITARY STATUS STATE OF f-A ) ) SS COUNTYOF~- Jeffrey Stephan Jjrnited Si~g Officcr ("Affiant"), being first duly sworn according to law, deposes and says on the basis of personal knowledge: 1, Affiant is an employee of GMAC Mortgage, LLC, (the "Plaintiff') and is competent to testify to the matters stated in this Affidavit. GMAC Mortgage, LLC has custody of, and maintains records related to, the promissory note and mortgage that are the subject of this foreclosure action. 09-507746·" VU 8. To the best of Affiant's knowledge, . ; not in the Military 2. Attached hereto as Exhibits A and B are true and accurate copies of the original Note and Mortgage that are the subject of this foreclosure action. .igned the promissory note and thus promised, among other things, to make monthly payments on or before the date such payments were due. 4. Plaintiff is entitled to enforce the mortgage on the property commonly known as 15 j 2 3. Cardington Road, Kettering, OH 45409, parcel no. N64-003-08-0027. The legal description of the Property is referenced in the Complaint. S. The note and mortgage are in default because monthly payments have not been made. 6. A written notice of default was given in accordance with the terms of the note and mortgage. The default was not cured, and thus the sums due under the note were accelerated. As a result, the full amount of principal and interest due under the note are now required to be paid. Also required to be paid are all costs and expenses incurred in enforcing the note to the extent tbat the payment of such amounts is not prohibited by Ohio law. 7. Plaintiff is due on the Note principal in the amount of $68,988.45 plus interest on the unpaid principal at the rate of7. I 25% from February 1,2009. Late charges, advances made for the payment of taxes, assessments, and insurance premiums, and expenses incurred for the enforcement of the note and mortgage may also be due, to the extent that the payment of such amounts is not prohibited by Ohio law. If necessary, the final amount of some or all of these items will be established at a later date. 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