Declaration of Liliana Ghobrial In Support of Opposition To Motion For Summary JudgmentMotionCal. Super. - 2nd Dist.June 24, 2019Electronically A W N co aN AN \O 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 ILED by Superior Court of California, County of Los Angeles on 07/29/2020 03:59 PM Sherri R. Carter, Executive Officer/Clerk of Court, by J . Ballesteros, David Tang (sbn 182357) 8311 Westminster Bl, #330 Westminster, CA 92683 Tel: (714) 893-6698 Fax: (714) 893-0387 Attorney for Plaintiffs: Liliana Ghobrial and Albair Ghobrial SUPERIOR COURT FOR THE STATE OF CALIFORNIA COUNTY OF LOS ANGELES LILIANA GHOBRIAL and ALBAIR GHOBRIAL, Plaintiffs, v. SPECIALIZED LOAN SERVICING LLC, and DOES 1 to 10, Defendants, Case No: 19LBCV00407 Assigned Judge: Hon. Judge Mark C. Kim Department: S27 DECLARATION OF LILTANA GHOBRIAL IN SUPPORT OF OPPOSITION TO SPECIALIZED LOAN SERVICING LLC’S MOTION FOR SUMMARY JUDGMENT OR MOTION FOR SUMMARY ADJUDICATION Complaint Filed: June 24, 2019 Trial Date: December 11, 2020 N a r ” N r ? N r ” N e e ? Ne er ?” Na ar ? er a e N e ? a N e e ? N e a r se N e sc ea e e “s eu s e e a t c e ’ Hearing Date: August 13, 2020 Time: 8:30 a.m. Dept: S27 I, Liliana Ghobrial, declare: 1. I am the Plaintiff in this entitled action. 2. I have personal knowledge of the facts stated in this declaration, except where stated on information and belief, and if called to testify in Court on these matters, I could and would testify competently as to those facts. Declaration of Plaintiff Liliana Ghobrial in Support of Opposition to Motion for Summary Judgment 1 eputy Clerk Oo 0 9 O N n b W N 10 11 12 13 14 15 16 17 18 19 20 2] 22 23 24 25 26 27 28 10. 11. 12. In August of 1999, I and my husband jointly purchased a residential unit in Wilmington (the “Property”) that consists of 4 units: we occupied one unit with 3 bedrooms and 2 baths and my mother-in- law occupied another unit with 2 bedrooms and 1 bathroom so that she could care for my nieces. The remaining two (2) smaller units were used as rentals. In late August of 2007, while still living at the Property, I and my husband and my mother-in-law jointly refinanced the Property and obtained a new mortgage loan (“Mortgage”) in the amount of $476,000. This Mortgage was a consumer loan obtained primarily for personal and family purposes because we were still residing at the Property as our home. In September of 2008, my son was ready to be schooled and we decided to move away from Wilmington to our other property in Chino Hills since the school was rated better in comparison. In March of 2012, I caused to file for Chapter 11 seeking protection relief because I was behind in paying the Mortgage resulting from the economic meltdown. In April of 2014, the Bankruptcy Court approved a stipulation and ordered (“Stipulation and Order”) the secured creditor holding the note by re-amortizing the loan balance including the delinquent amount. Despite the Stipulation and Order, none of the secured creditor or its loan servicers, Nationstar Mortgage and Mr. Cooper, agreed to comply with the Stipulation and Order. In December of 2017, the servicing of the Mortgage was transferred from Mr. Cooper to Specialized Loan Servicing LLC. (“SLS.”) Contrary to SLS’s claim that my Mortgage was delinquent for the July 1, 2016 payment and subsequent payments thereafter, I was entirely current in my payment obligations by paying $3,287 every month through electronic payments. SLS immediately started to engage with incessant calls collecting the Declaration of Plaintiff Liliana Ghobrial in Support of Opposition to Motion for Summary Judgment 2 hn A W N Oo ce 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Mortgage and threatened with letters to foreclose the Property. 13. From January of 2018 onwards, I kept explaining to SLS that the loan was supposed to be re-amortized from the Stipulation and Order and I was still paying $3,287 monthly payments ever since the bankruptcy petition was filed. 14. SLS increased its efforts by sending out notices of default and notices of intent to foreclose. 15. My husband and I were frustrated and distressed by SLS’s intransigence to comply with the Stipulation and Order despite we had forwarded a copy to SLS. 16. I decided to contact my bankruptcy attorney who then sent a warning letter in March of 2018 informing SLS of the Stipulation and Order. See Exhibit A. 17. SLS ignored the warning letter and continued to send out notices of default and notices of intent to foreclose. 18. Starting from May of 2018 to June of 2019, SLS has embarked on a continuous quest to defame my and my husband’s creditworthiness by communicating untrue and derogatory remarks to the credit reporting agencies coupled with threats to foreclose. 19. For example, on 5/15/2018, I pulled my husband’s credit report and it showed SLS had falsely reported the Mortgage was delinquent by $52,771. See Exhibit B, Page B-2. 20. Then four (4) months later, I pulled my husband’s credit report again and it showed SLS had falsely ballooned the delinquent to be $204,002 even though the monthly mortgage payment was $3,287 only. See Exhibit C, Page C-3. 21. My husband and I have vigorously disputed those defamatory communications with all three credit reporting agencies (CRA) and in March of 2019, SLS finally updated our account with no past due amount but still insisted that my Chapter 11 bankruptcy filing was dismissed. See Exhibit D, Page D-2. 22. On 05/21/2019, I pulled my credit report six (6) months after SLS had Declaration of Plaintiff Liliana Ghobrial in Support of Opposition to Motion for Summary Judgment 3 “v i A W N O O N a N 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 23. 24, 23. notified me that it had finally initiated the re-amortization pursuant to the Stipulation and Order. This time the report contained an even larger past due amount of $467,561 with a derogatory remark that my bankruptcy petition was dismissed. See Exhibit E, Page E-2. Dealing with SLS is like playing a Whack-a-Mole, the problem could not be resolved but, instead, it kept getting worse each time when I pulled the credit reports. SLS attempted to collect the Mortgage by communicating/furnishing to the credit reporting agencies that my Chapter 11 bankruptcy petition was dismissed and SLS knew or has reason to belief that such communication would defame me, because the bankruptcy court indeed confirmed my Chapter 11 Plan on October 20, 2014 and granted the Final Decree on May S, 2015. See Exhibits F and G. SLS knew or has reason to know that the Chapter 11 plan was confirmed and the case was closed. See Exhibit F and Exhibit G. I declare under the penalty under the laws of the State of California that the foregoing facts are true and correct. Executed on July 28, 2020, at Chino Hills, California By: Liliana Ghobrial Plaintiff Declaration of Plaintiff Liliana Ghobrial in Support of Opposition to Motion for Summary Judgment 4 EXHIBIT A LAW OFFICES OF DAVID TANG 8311 WESTMINSTER AVENUE, SUITE 330 WESTMINSTER, CA 92683 TELEPHONE: (714) 893-6698 FACSIMILE: (714) 893-0387 March 12, 2018 SLS Bankruptcy and Legal Unit PO Box 636005 Littleton, CO 80163-6005 Re: SLS Loan Number: 1015013533 Property Address: ~~ 24515-24519 S. Avalon Bl, Wilmington, CA 90748 Dear Sir/Madam: My office has previously represented Mrs. Liliana Ghobrial in a Chapter 11 matter concerning the above-reference loan. This particular loan was previously serviced by Nationstar Mortgage. On or about 04/22/2014, while in Chapter 11 proceeding, Ms. Ghobrial and Nationstar Mortgage had jointly entered into a Stipulation whereby, inter alia, Nationstar had agreed to modify the loan balance by incorporating the arrears and re-amortizing new monthly payments. This stipulation was subsequently ratified and approved by the bankruptcy court as an order on 05/01/2014. (A copy of the stipulation and order is enclosed for your review). On or about January 24, 2018, Ms. Ghobrial has received a Default Notice and Notice of Intent to Foreclose (Notice of Intent to Foreclose) from SLS. I have fully reviewed the payment history and I have yet to find any evidence of delinquency or default allegedly caused by Ms. Ghobrial, scilicet, Ms. Ghobrial is current in her payment obligation. It appears that the Notice of Intent to Foreclose is premised on incorrect outdated accounting information and thus, it shall constitute a violation of Unfair Debt Collection Practices Act tantamount to wrongful foreclosure. Moreover, the wrongful continuation of sending misleading statements and notices have caused Ms. Ghobrial and her husband unwarranted anxiety and emotional distress. SLS Bankruptcy and Legal Unit PO Box 636005 Littleton, CO 80163-6005 March 12, 2018 Page Two Re: SLS Loan Number: 1015013533 Property Address: ~~ 24515-24519 S. Avalon Bl. Wilmington, CA 90748 My office is demanding an immediate rescission of the Notice of Intent to Foreclose and to properly reflect the payment history. Otherwise, Ms Ghobrial would be advised to seek judicial redress including monetary sanctions against SLS including the violation of bankruptcy court order. My office will await your immediate correction and rescission as demanded herein no later than March 31, 2018. Please contact my office should you have any questions regarding this matter. Yours truly, 4 oy David Tang DT:;jd cc: Ghobrials A-2 Case 6:12-hk-15519-MJ Doc 97 Filed 04/30/14 Entered 04/30/14 10:58:19 Desc bi wo te ~1 Main Document Page 1 of 6 JaVonne M. Phillips, Esq. SBN 187474 Merdaud Jafaria, Esq.-SBN 217262 McCarthy & Holthwus, LLP 1770 Fourth Avenue San Diego, CA 92101 Phone (877) 369-6122 Fax (619) 685-4810 Attorneys for Secured Creditor, Nationstar Mortgage LLC, its assignees and/or successors UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA RIVERSIDE DIVISION Tn re; ) Case No. 6:12-bk-15519-M]J ) Liliana Ghobrial, ) Chapter 11 ) Debtor. ) n ) STIPULATION ON PLAN TREATMENT ) ON THE FOLLOWING REAL Nationstar Mortgage LLC. its assignees and/or ) PROPERTY: (24515-24519 % S Avalon successors, its assignees and/or successors in) Boulevard, Wilmington, CA 90748), interest, Secured Creditor, Vv, Liliana Ghobrial, Debtor(s); U.S. TRUSTEE Trustee, Respondents. No r? Na rd Ne t N t N e ? N t N e l S e t N a t Ne a N e t ’ Ni d” Su e Na st N m Secured Creditor, Nationstar Mortgage LLC, its assi gnees and/or successors (“Secured Creditor”) and Debtor, Liliana Ghobrial, (“Debtor”) by and through their attorriey’s of record, A-3 Case 6:12-bk-15519-MJ Doc 97 Filed 04/30/14 Entered 04/30/14 10:58:19 Desc 00 J o n o h BA W N Main Document ~~ Page 2 of 6 enter into this Stipulation for Claim Treatment regarding Secured Creditors claim secured by real property commonly known as 24515-24519 % S Avalon Boulevard, Wilmington, CA 90748 (“Subject Property”) and hereby stipulate and agree as follows; RECITALS 1. On or about 9/20/2007 Bank of America, N.A. entered into a contract with Albair Ghobrial, Lilian Ghoribal, and Mariam Tadros wherin the Debtor agreed to pay the amount of $3,287.62, or more, on or before the first day of every month, beginning on or about October I; 2007. The obligation is evidenced by a promissory note (“Note”) and secured by a deed of Trust ("Deed of Trust”) (collectively the “Subject Loan”). 2. The Deed of Trust was timely and duly recorded and perfected in accordance with California law at Instrument No. 20072172537 in the office of the Los Angeles County Recorder. 3, Sccured Creditor is the holder of the Note and the beneficiary under the Deed of Trust that is secured by the Subject Property and is the real party in interest. 4, On 3/5/2012, the Debtor filed a voluntary Chapter 11 petition secking relief under Title 11 of the United States Code. 5. On 4/5/2012, Secured Creditor filed a secured Proof of Claim, Claim 2, in the amount of $496,824.68. PLAN TREATMENT: 1. This stipulation affects the real property located at 24515-24519 1% S Avalon Boulevard, Wilmington, CA 90748 (“Subject Property”). 2. Commencing on the first day of the full month following approval of the instant Stipulation by the Bankruptcy Court, the Debtors will make full re-amortized payments based, upon the subject Property's original Note. 3. The original Note terms for the property shall be left unmodified, except: a. The loan shall be amortized over 30 years at 7.375% interest fixed for the life of the Note with payments to be applied to both principe! and interest. b. The Proof of Claim including the arrears are $496,824.68. A-4 Case 6:12-bk-15519-MJ Doc 97 Filed 04/30/14 Entered 04/30/14 10:58:19 Desc - Main Document Page 3 0of 6 4. The terms of this Stipulation may not be modified, altered, or changed by the Debtor's Chapter 11 Plan, any confirmation order thereon, any subsequently filed Amended Chapter 11 Plan and confirmation order thereon without express written consent by the parties. The terms of this Stipulation shall be incorporated by reference into the Debtors’ Chapter 11 Plan and/or any subsequently filed Amended Chapter 11 Plan, 5 In the event the Debtors’ case is dismissed or converted to any otaer chapter under Title 11 of the United States Bankruptcy Code, the Secured Creditor shall retain its lien in the full amount due under the subject Note and First Deed of Trust all terms on the Bank of America’s claim shall revert to the original terms of the Note and the Deed of Trust. 6. In addition to the monthly principal and interest payments as statzd above, the Debtor shall be separately responsible for ongeing payment of taxes and insurance. Failure to pay the foregoing payments of principal, interest, insurance and/or taxes shal. be a default under the provisions herein. 7: In the event of a default of any provisions as set forth hereinabove, Movant may, After a ten-day notice of default mailed to Debtors and faxed and mailed lo Debtors’ counsel, file and serve a Declaration Re Non-Compliance and an Order Terminating the Automatic Stay, Unpan the filing of such Order, the Automatic Stay with respect to each subject Property shall terminate for all purposcs to allow Nationstar to proceed with its foreclosure actions, without further Order of the Court, 8. Nationstar agrees to cast a ballot in support of the Debtors’ proposed Plan so long as the proposed Plan does not materially contradict the terms of this Stipulation Case 6:12-bk-15519-MJ Doc 97 Filed 04/30/14 Entered 04/30/14 10:58:19 Desc 6 8 10 Il 13 14 15 10 Main Document Page 4 of 6 9, Except as otherwise expressly provided herein, all remaining terms of the Promissory Note and Deed of Trust not modified herein shall remain in effect and shall govern treatment of Secured Creditor’s Total Allowed Secured Claim. 10. Each party is to bear their own fees and costs. IT IS SO STIPULATED: MeCARTHY HOLTHUS & LEVINE, P.C. Dated: 4/22/2014 _ by /&/ Merdaud Jafarnia, Esq. Merdaud Jafamia, Esq. Attorney for Secured Creditor oes_¥21fiy get € David Tang Attorney for Debtor Case 6:12-bk-15519-MJ Doc 97 Filed 04/30/14 Entered 04/30/14 10:58:19 Desc Main Document Page 5 of 6 M&H File No. CA-12-71526 PROOF OF SERVICE OF DOCUMENT I am over the age of 18 and not a party to this bankruptcy case or adversary proceeding. My business address is; 1770 Fourth Avenue San Diego, CA 82101 A true and correct copy of the foregoing document entitled Stipulation on Plan Treatment on the Following Reaf Property: 24515-24519 2 S Avalon Boulevard, Wilmington, CA 90748: will be served or was served (a) on the judge in chambers in the form and manner required by LBR 5005-2(d); and (b) in the manner stated below: 1. TO BE SERVED BY THE COURT VIA NOTICE OF ELECTRONIC FILING (NEF): Pursuant to controlling General Orders and LBR, the foregoing document will be served by the court via NEF and hyperlink to the document. On (date) 4/30/2014, | checked the CM/ECF docket for this bankruptcy case or adversary proceeding and determined that the following persons are on the Electronic Mail Notice List to receive NEF transmission at the email addresses stated below: DEBTOR(S) COUNSEL US TRUSTEE David Tang ustpregion16.rs.ecf@usdoj.gov lawyertang@yahoo.com TRUSTEE COUNSEL Kelly L Morrison kelly lL. morrison@usdoj.gov [71 service information continued on attached page 2. SERVED BY UNITED STATES MAIL: On (date) 4/30/2014, | served the following persons and/or entities at the last known addresses in this bankruptcy case or adversary proceeding by placing a true and correct copy thereof in a sealed envelope in the United States mail, first class, postage prepaid, and addressed as follows. Listing the judge here constitutes a declaration that mailing to the judge will be completed no later than 24 hours after the document is filed. DEBTOR(S) Liliana Ghobrial, 4244 Foxrun Drive, Chino Hills, CA 91709 TRUSTEE United States Trustee (RS), U.S. Trustee, 3685 Main Street, Suite 300, Riverside, CA 92501 JUDGE'S COPY The Honorable Judge, Meredith A. Jury, United States Bankruptcy Court - Riverside Division, 3420 Twelfth Sireet, Suite 345, Riverside, CA, 92501-3819 [J] Service information continued on attached page 3. SERVED BY PERSONAL DELIVERY, OVERNIGHT MAIL. FACSIMILE TRANSMISSION OR EMAIL (state method for each person or enfity served): Pursuant to F.R.Civ.P. 5 and/or controlling LBR, on (date) , | served the following persons and/or entities by personal delivery, overnight mail service, or (for those who consented in writing to such service method), by facsimile transmission and/or email as follows. Listing the judge here constitutes a declaration that personal delivery on, or overnight mail to, the judge will be completed no later than 24 hours after the document is filed. [] Service information continued on attached page | declare under penalty of perjury under the laws of the United States that the foregoing is true and correct. 4/30/2014 David Fry Is! David Fry Date Printed Nate Signature SE A This form Is mandatory. It has been approved for use by hid States Bankruptcy Court for the Central District of California. June 2012 F 9013-3.1.PROOF.SERVICE Case 6:12-bk-15519-MJ Doc 97 Filed 04/30/14 Entered 04/30/14 10:58:19 Desc Main Document Page 6 of 6 ADDITIONAL SERVICE INFORMATION 20 LARGEST UNSECURED CREDITORS Bank of America, POB 301200, Los Angeles, CA 90030 Bank of America, PO Box 5170, Simi Valley, CA 93062 Home Depot Credit Services, PO Box 183175, Columbus, OH 43218 This form is mandatory. it has been approved for use by Be hited States Bankruptcy Court for the Central District of California, F 9013-3.1.PROOF.SERVICE June 2012 Case 6:12-bk-15519-MJ Doc 101 Filed 05/01/14 Entered 05/01/14 08:40:57 Des Main Document Page 1 of 3 JaVonne M. Phillips, Esq. SBN 187474 Merdaud Jafarnia, Esq. SBN 217262 McCarthy & Holthus, LLP FILED & ENTERED 1770 Fourth Avenue San Diego, CA 92101 Phone (877) 369-6122 MAY 01 2014 Fax (619) 685-4810 CLERK U.S. BANKRUPTCY COURT vedi i it8 aicionak fferni Attorneys for Secured Creditor, Bank of America, N.A.,, its assigne es aERAraLIsG a s I UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA RIVERSIDE DIVISION In re: ) Case No. 6:12-bk-15519-MJ ) Liliana Ghobrial, ) Chapter I1 ) Debtor. ) ) ) ORDER ON STIPULATION ON PLAN ) TREATMENT ON THE FOLLOWING ) REAL PROPERTY: (24515-24519 2 S ) Avalon Boulevard, Wilmington, CA 90748) S r ” N r ” v e ar e” ma ar ” 1 File No. CA-12-71526 Order on Stipulation for Claim Treatment, Case No. 6:12-bk-15519-MJ - SS WO 0 0 O N in B M L BN r o No n o r o n - - - - - r- ps - - - Case 6:12-bk-15519-MJ Doc 101 Filed 05/01/14 Entered 05/01/14 08:40:57 Des Main Document Page 2 of 3 The parties agreed to the terms set forth in the Stipulation for Claim Treatment filed on 4/30/2014 as document #97 and are bound by the terms of their stipulation which shall be the Order of this Court. #¥END OF ORDER ** HH J Date: May 1, 2014 Meredith A. Jury United States Bankruptcy A-10 2 File No. CA-12-71526 Order on Stipulation for Claim Treatment, Case No. 6:12-bk-15519-M}J C O X Nu oN th As L o ia d, am d me e e ee me m e e e e 26 27 29 Liliana Ghobrial 4244 Foxrun Drive Chino Hills, CA 91709 United States Trustee (RS) U.S, Trustee 3685 Main Street, Suite 300 Riverside, CA 92501 ATTORNEY FOR MOVANT McCarthy & Holthus, LLP 1770 Fourth Avenue San Diego, CA 92101 MJ Doc 101 Filed 05/p Main Document Page 3 of 3 COURT SERVICE LIST A-11 3 File No. CA-12-71526 Order on Stipulation for Claim Treatment, Case No. 6:12-bk-15519-MJ EXHIBIT B Report Created On: 05/15/2018 File Number: 348152155 You have been on our files since 01/01/1993 SSN: XXX-XX-8179 Date of Birth: Your SSN has been masked for your protection. Names Reported: ALBAIR GORGY GHOBRIAL and ALBAIR G. CHOBRIAL Addresses Reported: Address Date Reported 4244 FOXRUN DR, CHINO HILLS, CA 81709-4682 11/01/2004 1916 MAINE AVE, LONG BEACH, CA 90806-5231 10/01/2004 24515 S AVALON BLVD APT 50, WILMINGTON, CA 90744-1020 01/19/2007 1914 MAINE AVE, LONG BEACH, CA 90806-5231 Telephone Numbers Reported: (909) 614-1954 (310) 892-4656 (562) 599-3158 (929) 614-1954 (320) 892-4656 (310) 847-7817 (951) 614-1954 (310) 892-2743 (310) 379-7433 Employment Data Reported: Employer Name Location Position Date Verified SIGNQUEST INC CULVERCITY, CA STORE MANAGER 01/01/2004 DYNEQUEST 12/01/2003 Typically, creditors report any changes made to your account information monthly. This means that some accounts iisted below may not reflect the most recent activity until the creditor's next reporting. This information may include things such as balances, payments, dates, remarks, ratings, etc. The key(s) below are provided to help you understand some of the account information that could be reported. ati Some creditors report the timeliness of your payments each month in relation to your agreement with them. The ratings in the key below describe the payments that may be reported by your creditors, Please note: Some but not all of these ratings may be present in your credit report, Remarks Key Additionally, some creditors may notate your account with comments each month. We refer to these creditor comments as ‘Remarks’. The key below gives the descriptions of the abbreviated remarks contained in your credit file. Any remark containing brackets > < indicates that this Yemark is considered adverse. LMN LOAN MODIFIED NON GOVT Adverse information typically remains on your credit file for up ta 7 years from the date of the delinquency. To help you understand what is generally considered adverse, we have added >brackets< to those items in this report. For your protection, your account numbers have been partially masked, and in some cases scrambled. Please note: Accounts are reparted as "Current; Paid or paying as agreed" if paid within 30 days of the due date. Accounts reported as Current may still incur late fees or interest charges if not paid on or before the due date. BAC HOME LOANS SERV LP #B87174**** 4309 SAVARESE CIRCLEFL1-908-01-47 Tampa, FL 33634 (800) 669-6607 Date Opened: 08/30/2007 Balance: $0 Pay Status: Current; Paid or Paying as Responsibility: Joint Account Date Updated: 02/15/2013 Agreed Account Type: Mortgage Account Payment Recelved: $0 Terms: $3,287 per month, paid Loan Type: CONVENTIONAL Last Payment Made: 03/12/2013 Monthly for 360 months REAL ESTATE High Balance: $476,000 Date Closed: 02/15/2013 MTG >Maximum Delinquency of 120 days in 08/2011 for $19,725 and in 04/2012 for $46,026< Remarks; TRANSFERRED TO ANOTHER LENDER; TRANSFERRED TO ANOTHER OFFICE B-1 $27,409 and in 09/2011 for $30,454< Remarks: >SETTLED-LESS THAN FULL BLNC<; CLOSED Estimated month and year that this item will be removed: 07/2018 SPECIALIZED LOAN SVCG #101504 *+* PO BOX 286005 LITTLETON, CO 80163 (720) 241-7200 Date Opened: 08/30/2007 Balance; $458,286 Pay Status: >Account 120 Days Past Responsibility: Individual Account Date Updated: 03/31/2018 Dus Date< Account Type; Mortgage Account Payment Received: $3,288 . Terms: $3,287 per month, paid Loan Type: CONVENTIONAL Last Payment Made: "03/14/2018 Monthly for 360 months REAL ESTATE High Balance: © $478,000 >Maximum Delinquency of 120 days in 03/2018 for MTC Past Due: ( >§52,771< $52,771< “ wr Mortgage Info: Freddie Mac Acct #425843696 Estimated month and year that this item will be removed: 08/2023 EE NRT Ral aR, [iPJriikt:] J BEA Pr 0k s: Sa EPIrikig THE HOME DEPOT/CBNA #603532034785 PO BOX 6497 SIOUX FALLS, SD 57117-6497 (800) 677-0232 Date Opened: 04/25/2010 Balance: Pay Status: >Account Included In Responsibility: Individual Account Date Updated: 02/06/2015 Bankruptcy< Account Type: Revolving Account Last Payment Made: 10/05/2011 Date Closed: 02/06/2012 Loan Type: CHARGE High Balance: $7,392 Date Pald: 10/05/2011 ACCOUNT Credit Limit: $8,000 Remarks: >CHAPTER 13 BANKRUPTCY<; CLOSED BY CREDIT GRANTOR Estimated month and year that this Item will be removed: 10/2018 RAEI <7 m i § 7 7 Ce | Fr Tr Co ST i Sl AE-E on =] rl ia EI Re PVT ER TPL BLT LL EI RV iE Ae, oH "3 TES oi RRL RRR EFT RE I PI TE ER YL Lat Sl V7. ME al (PY? Y FES TYE PPI] RR LE >. pT. 73 nL 1% RENT 178 TER i RE Fa ey of gy Rar i RYT OTR EXHIBIT C "ats ow ies) "ALBAIR GHOBRIAL | Report number 6475.1012.37 | September 28 2016 | Print report Rts [25h suk VT FST TE Information. JR TY HUD? TRH BY | ELUTE @ fain lH vies Ts ll Glaletihy ® i I © 4 ERTL Tt [Ifeatyk 1a Oapute: Cant LEER 3 E98 Your credit report and dispute results Cy Our reinvestigation of the dispute you recently submitted is now complete. If we » Froud cantor were able to make changes to your credit report based on information you provid- | » Freoze center ed, we have done so. Otherwise, we have contacted the company reporting the , Car | information you disputed, supplied them ali relevant information and any docu- pm SRO ments you gave us with your dispute, and instructed them to: review all informa- tion we provide them about your dispute; verify the accuracy of the information; provide us a response to your dispute; and update their records and systems as necessary. If an item you disputed is not in the list of results below, it was either not appear- ing in your credit file or it already reflected the requested status at the time of our reinvestigation. How to read your results Delated This hem was fetnovad from your cred report, Updated (Your results will indicate which one of the following applies.) Remains Tho company that teported the information has cortified to Experian that the information is accurate, This item was not changed as a result of our processing of your dispute. Please review your report for the details. Processed This em was either updated or deleted, Please roviow your report for the details, 1 855 246 9409 Contact us by phono - Monday through Friday, 8 a.m. to 10 p.m, Central Time and Saturday and Sunday, 10a.m.to 7 p.m. Central Time. 75 Any pending disputes will be highlighted below. Er REE Address Experian P.O. Box 9701 Allen, TX 75013 * The information you disputed has been updated. Please review your report for the details. » The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. ¢ The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Please review your re- port for the details. ¢ Information on this item has been updated. Please review your report for the details. Document upload Submit documents supporting your claim electronically at gxperian.com/upload. + Expand all J Es ET POL Tpit U 18 Credit tems and Public Records © Accountnumber Status Updated Creditor | Vendor Oo SPECIALIZED LOAN SERVI Tho information you disputed has been verified 8s ac cu- rata; however, Information urvelated to your dispute has 101801... C-1 ir oir, RG Pl ol ra your. EA TENET 1 been updated, Please review your report for the dotaits. NR Tee Personal Information DEPART OF HOMELAND SECU ] Name identification ‘number ALBAIR GHOBRIAL 25746 ALBAIR G GHOBRIAL 9120 ALBAIR GORGY GHOBRIAL 20851 ALBAIR G GHOBRIAL 51 31101 ALBAIR G GHOBRAIL 5725 ALBAIR G CHOBRIAL 1 ge Sad Nh obi ar i rt AresR(e) asgociipe Address iden Address tification aum- Residence type ber 4244 FOXRUN DR CHINO HILLS CA 91708- 01 79556758 Single family 4682 1814 MAINE AVE LONG BEACH CA 30806-5231 0175402158 Single family 4244 FOXRUNDRIVE CHINO HILLS CA 81709 0562743088 Single family 1916 MAINE AVE LONG BEACH GA 90806-5231 0175402159 Single family 24515 S AVALON BLVD WILMINGTON CA 0175158868 Single family 80744-1020 4035 MCLAUGHLIN AVE APT9 LOS ANGELES 0173183833 Apartment complex CA 80066-5465 3107 NEWTON ST APT50 TORRANCE CA 0174427894 Apartment complex 90505.8737 24515 AVALON BLUD WILMINGTON CA 90744 0175150477 Single family 24515 S AVALON BLVD APT50 WILMINGTON ~~ 0417021322 Single family CA 00744-1020 " . , = RS ny fl . Other personaln nfomath lat ted Wih&/olir grotit Year of birth 1967 Spouse or co-applicant LILIANA Telephone number(s) : 3108922743 Cellular 310 892 4656 Cellular 562 509 3158 Residential Current or former employer(s) : Address Co . pli 1 MQ ANIREL EQ MA G4722 C-2 Geographical code 0-11210-71-6780 0-57300120-37-4480 0-00-0-4480 0-57300120-37- 0-28411010-37-4480 0-27230130-37- 0-65140040-37- Sit 0-00-0-4480 0-28411010-37-4480 PTS DEPARTMENT HOMELAND SEC ESTATEWIDE RESIDENTIAL SIGNQUEST La AS FV Sl babolatd WIM EE No general personal statements appear on your report. Your personal statements REESE PRE ETE T © No Public Record items appear on your report, Account name BANK OF AMERICA, NA, Account name NATIONS TAR MORTGAGE Account name SPECIALIZED LOAN SERVIC Potentially negative iterns Account number 6824900809.... $0/pald as of 08/31/2012 Account number Recent balance 61120... Not reported Account number Recent balance 101501... $453,419 as of 09/10/2018 Recent balance stm me ce Status fs Dispute | Inactive/Never late, t- Status { Disputa } Petition for Chapter 11 Bankruptcy. Status { + Dispute i Open. $204,002 past = due as of Sep 2018. back to top Accounts in good standing © © © © oo © © Account name AMERICAN EXPRESS Account name BARCLAYS BANK DELAWARE Account name BMW FINANCIAL SER- VICES/CREDIT Account name CARRINGTON MORTGAGE SERV Account name CITI CARDS/CITIBANK Account name DISCOVER FINANCIAL SERVICES Account name GATEWAY ONE LENDING & Fl NANCE Account hame GMA Account number Recent balance 34990907086846023 $0/pald as of 06/07/2008 Account number Recent balance 00017879713... $2,690 as of 08/25/2018 Account number Recent balance 100058... Not reported Account number Recent balance 700012... $465,500 as of 03172018 Account number Recent balance 442813555800... Not reported Account number Recent balance 601100084028... Not reported Account number Recent balance 2014075096... $3,710 as of 08/31/2018 Account number Recent balance NR1QANTRT Nat rannriad C-3 Date opened 03/2001 Date opened 0472013 Date opened 11/2007 Date opened 08/2007 Date opened 10/1984 Date opened 01/2001 Date opened 0712014 Date opened NNR Status [+ Dispute] Inactiva/Never late, - Status [ Dispute i Opan/Never late. Status + Dispute | Paid, Clossd/Naver k late, Status [+ Dispute] Open/Navaer late. Status fe Dispute ¢ Paid, Closed/Never [ats, Status + Dispute | Paid, Closed/Nsver late. Status fo Depots Opern/Never late. Paid Clacsd/MNaver EXHIBIT D IK eine oud Prete oon gh afte (TTL ¥ . 2701 E ATLANTIC BLVD, POMPANO BEACH, FL 33062 Phone: 305-468-1560 Add Proguet Fax: 305-468-1565 MERGED INFILE CREDIT REPORT 7 FILE # 1767580 FNMA # DATE COMPLETED } ww) RQD' BY NICK CUSHMAN SEND TO LEVEL ONE CAPITAL MANAGEMENT INC DATE ORDERED 5/8/2019 CUST. # J0201865 REPOSITORIES XP/TU/EF ~~ PRPD'BY 1620 MILL ROCK WAY STE 100 PRICE LOAN TYPE BAKERSFIELD, CA 93311 REF, # 1905000163 PROPERTY ADDRESS APPLICANT CO-APPLICANT APPLICANT GHOBRIAL, ALBAIR CO-APPLICANT GHOBRIAL, LILIANA SOC SEC # DOB SOC SEC # DOB MARITAL STATUS DEPENDENTS CURRENT ADDRESS 4244 FOXRUN DR, CHINO HILLS, CA 91709 LENGTH PREVIOUS ADDRESS LENGTH PUBLIC RECORDS C C CAC DIST BK File Date: 03/12 Plaintiff: Docket #: 1215519 Amount: - Action Type: CHAPTER 11 BANKRUPTCY Source: TUIEF Status Date: 05/15 Status: DISCHARGED *.DSP-05/15 SCORE MODELS Erie CLASSIC V5 - ALBAIR G GHOBRIAL - 250796179 00010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS 00011 - AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH 00006 - TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS 00033 - PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH [RANSUNIGNIFICO CLASSIC (04) - ALBAIR GORGY GHOBRIAL - 250796179 010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS (014 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED 012 - LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED Eh ELT AIR, ISAAC (VER. 2) - ALBAIR GHOBRIAL - 250796179 12 - LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED 01 - AMOUNT OWED ON ACCOUNTS IS TOO HIGH 10 - PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL REVOLVING ACCOUNTS tay CLASSIC V5 - LILIANA B GHOBRIAL - 614865292 SC : 679 00038 - SERIOUS DELINQUENCY, AND DEROGATORY PUBLIC RECORD OR COLLECTION FILED 00010 - PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS 00013 - TIME SINCE DELINQUENCY 1S TOO RECENT OR UNKNOWN 00018 - NUMBER OF ACCOUNTS WITH DELINQUENCY B=BORROWER; C=CO-BORROWER; J=JOINT; UsUNDESIGNATED; A=AUTHORIZED USER; P=PARTICIPANT; S=CO-SIG NER; M=MAKER; X=DECEASED; I=INDIVIDUAL; T=TERMINATED ECOA KEY: PREMIUM CREDIT BUREAU: 2701 E ATLANTIC BLVD, POMPAN® BEAGH, FL 3306Z (P) 305-468-1560 (F) 30 5-468-1565 J { accuracy of winch this organization does not guarantee. The The information is furnished in response to an quay for the purpose of evaluating credit risks, It has been obtained from sour ces desmed reliable, the racy o C i} n c TES haa agreed lo bl Wt reporting gy far oy demage arising from misuse of this information, and this report is furnished mh rebance upon that ndsmnity. it mug) be ed nan g gorfonee ar, " complies with the provis ms of Public Law 81-503, the Fair Credit Reparing Act. Reporting buraaw certifies thal all Residential Mortgage Credit Reports meet the standards prescribed by , FHM A any the Farmers Home Adm ‘stration. D 1 -- Page I~ FILE# 1767589 FNMA # DATE COMPLETED 5/8/2019 RQD'BY NICK CUSHMAN SEND TO LEVEL ONE CAPITAL MANAGEMENT INC DATE ORDERED 5/8/2019 CUST. # JO201865 REPOSITORIES XPITU/EF PRPD'BY 1620 MILL ROCK WAY STE 100 PRICE LOAN TYPE BAKERSFIELD, CA 93311 REF. # 1905000163 PROPERTY ADDRESS APPLICANT CO-APPLICANT APPLICANT GHOBRIAL, ALBAIR CO-APPLICANT GHOBRIAL, LILIANA SOC SEC # DOB S0C SEC # pDoB MARITAL STATUS DEPENDENTS - NON-DEROGATORY ACCOUNTS E DATE | HIGH CREDIT cit OPENED | ORLiMIT | BALANCE STATUS §|8 CREDITOR 1 UT |S [0 | so feos Ald DLA | ACCT TYPE TERMS SOURCE B J DISCOVERFINSVCS LLG 08/15 01/01 $500 $0 $0 99 0 0 0 PAD 601100064028 12/06 REV $C XP/EF History: 08/15; -00000000000000000000000000000000000000000000000000000000000000000000000000000000000 ACCOUNT CLOSED AT CREDIT GRANTOR'S REQUEST C C DENB MACYS 04/19 10/07 $100 $0 $0 82 0 0 0 INACTIVE 490542727220 11/10 REV $0 XPITUIER History: 04/19; -0000000000000000000000000000000000000000---00000-- 00000000000000000000000000000000000000000000000 INACTIVE ACCOUNT J J MUFG UB PENT 03/12 11/10 $1000 $0 $0 15 0 0 0 PAID 5720025312 03/12 OPEN $0 TU/EF History: 03/12; 0000000000000000 ACCOUNT CLOSED BY CONSUMER B B SYNGB/GHEV 05/17 05/97 $1000 $0 $0 99 0 0 © PAD 706159103358 asfen REY $0 EE ACCOUNT CLOSED AT CONSUMER'S REQUEST J J SYNCBMJCP 04/117 11/99 $0 $0 $0 99 0 0 O PAD 600889836747 wefan REV $0 EF CHARGE {DEROGATORY ACCOUNTS/ T+GH CREDIT] E i oR HAE OPENED | OR LIMIT. “BALANCE SET M0 | 30 | 60 | sos STATUS og CRED! REPORTED DUE REV Als DLA | ACCTTYPE TERMS SOURCE Er -- C J SPECLOANSY / vans ) 08/07 $476000 $465097 $0 15 0 © 0 BANKRUPTCY 1015013533 Neos’ 03/19 MTG 360 $3491 XPTU/EE History: 03/19; 0 NSUMER, DISPUTES THIS ACCOUNT INFORMATION; AFFECTED BY NATURAL DISASTER; CHAPTER 11 BANKRUPTCY § DISMISSED;)ACCOUNT PREVIOUSLY IN DISPUTE-NOW RESOLVED-REPORTED BY SUBSCRIBER ECOA KEY: B=BORROWER; C=CO-BORROWER; J=JOINT,; U=UNDESIGNATED; A=AUTHORIZED USER; P=PARTICIPANT; S$=CO-SIGNER; M=MAKER; X=DECEASED; I=INDIVIDUAL,; T=TERMINATED PREMIUM CREDIT BUREAU: 2701 E ATLANTIC BLV D, POMPANO BEACH, FL 33062 (PF) 305-468+13060 (F) 305.468-1565 The information is funmshed in response 1o an inquiry for the purpose of eva luating cradit risks, It has bean obtained from sources deemed reliable, the accuracy of which this organization does not guarantee. The quirar has agreed fo indemnify that reporting bureau for any damage ansing from nusu se of this information, and this report is furnished in reliance upon th complies with the provisions of b | and the Fanners Home Administration, at indemnity, (1 must be held in strict confidence and ublic Law 91-508. the Fair Credit Reporting Act. Reporting bureau certifies that afl Residential Mortgage Credit Reparls mael the ala ndards prescribed by FNMA, FHMC, FHA, VA D-2 Page 4 8 EXHIBIT E Pr Z) Report Created On: 05/21/2019 TransUnion File Number: 363341276 Personal Information ~ You have been on our files since 06/01/1999 SSN: XXX-XX-5292 Date of Birth: Your SSN has been masked for your protection. Names Reported: LILIANA B. GHOBRIAL, LILIANA BEATRIZ GHOBRIAL and LILIANA B. SANDOVAL Addresses Reported: Address Date Reported 4244 FOXRUN DR, CHINO HILLS, CA 91709-4682 09/07/2004 1916 MAINE AVE, LONG BEACH, CA 90806-5231 11/26/2014 24515 S AVALON BLVD APT 50, WILMINGTON, CA 90744-1020 01/18/2007 Telephone Numbers Reported: (909) 614-1954 (310) 379-7433 (310) 892-4656 (310) 892-2743 (562) 599-3158 (310) 847-7817 Employment Data Reported: Employer Name Location Position Date Verified MANHATTANBEACH, CA 01/07/2004 ~ Public Records This section includes public record items from local, state and federal courts and other public record sources that TransUnion may have obtained itself or mi a third party vendor. In order to learn the identity of the third-party vendor (if any) that collected the public record item(s) in this section, please visit - Discharged Chapter 11 bankruptcy remains on your file for up to 10 years. USBK COURT CENTRAL CALIFORNIA Docket# 1215519 3420 12TH ST RIVERSIDE, CA 92501 (855) 460-9641 Date Filed: 03/05/2012 Type: CHAPTER 11 BANKRUPTCY Court Type: US Bankruptcy Court Date Paid: 05/29/2015 DISCHARGED Plaintiff Attorney: DAVID TANG Date Updated: 06/04/2015 Responsibility: Individual Debt Estimated month and year that this item will be removed: 02/2022 ~ Account Information Typically, creditors report any changes made to your account information monthly, This means that some accounts listed below may not reflect the most recent activity until the creditor's next reporting. This information may include things such as balances, payments, dates, remarks, ratings, ete. The key(s) below are provided to help you understand some of the account information that could be reported. Rating Key Some creditors report the timeliness of your payments each month in relation to your agreement with them. The ratings in the key below describe the payments that may be reported by your creditors. Please note: Some but not all of these ratings may be present in your credit report. N/R x 3 EE @\ El ED IB IE BE © Not 30days 6O0days 90days 120+days Voluntary Repo- - Reported Urdnown Current late late laste late Collection Surrender - ssoselon Chargs OF Foreclosure Adverse Accounts + Adverse information typically remains on your credit file for up to 7 years from the date of the delinquency. To help you understand what is generally considered adverse, we have added >brackets< to those items in this report. For your protection, your account numbers have been partially masked, and in some cases scrambled, SPECIALIZED LOAN SVCG #101501**** . CL & TransUnion PO BOX 266005 LITTLETON, CO 80163 (720) 241-7200 Date Opened: 08/30/2007 Balance: $467,561 Pay Status: >Account 30 Days Past Responsibility: Individual Account Date Updated: 05/14/2019 Due Date< Account Type: Mortgage Account Payment Received: $11,002 Terms: $3,491 per month, paid Loan Type: CONVENTIONAL Last Payment Made: 04/12/2019 Monthly for 360 months REAL ESTATE High Balance: >Maximum Delinquency of 30 days in 05/2019 for MTG Past Due: >$467,561< $467,561< Mortgage Info: Freddie Mac Acct #425843696 Remarks: >BANKRUPTCY DISMISSED<; ACCT INFO DISPUTED BY CONSUMR; AFFCTD BY NTRL/DCLRD DISASTR Estimated month and year that this item will be removed: 12/2023 04/2019 | 032019 0212019 | 01/2019 © 122018 112018 1072018 092018 08/2018 | . 07/2018 06/2018 | 0512018 © 0412018 | 03/2018 | 0202018 Tet PTY Satisfactory Accounts The following accounts are reported with no adverse information. For your protection, your account numbers have been partially masked, and in some cases scrambled. Please note: Accounts are reported as "Current; Paid or paying as agreed" if paid within 30 days of the due date. Accounts reported as Current may still incur late fees or interest charges if not paid on or before the due date. AMEX DEPARTMENT STORES N #37748171050*** PO BOX 8218 MASON, OH 45040 Phone number not available Date Opened: 10/14/2007 Balance: $0 Pay Status: Current; Paid or Paying as Responsibility: Individual Account Date Updated: 04/25/2019 Agreed Account Type: Revolving Account Last Payment Made: 11/19/2010 To i Eo Merity Loan Type: CREDIT CARD High Balance: $0 aleLlosec: Credit Limit: $300 Remarks: INACTIVE ACCOUNT; CLOSED (YI TI YY NPT 01/2019 | 1212018 112018 | 1022098 09/2018 0812018 07/2018 | 06/201 OK oT ok | ok | OK ~~ OK OK | OK | OK. OK EE rT 032018 | 022018 | ON2018 | 122017 | AU2017 | 102017 oezot7. | 08017 | R's oT TOE ok | ok I ok I ok | ok | ok | 072017 | osi2017 | 08/2017 © oai2017 | 032017 | 0212017 04i2017 | LL ET i UTI ok ok | ok | ok | ok | OK OK | ok | ok | oK Nr i rr pre EE © oa016 | 032016 | 022016 | 011206 EUCI K | OK OK | OK | oK | ok OK | OK | OK Lo EXHIBIT F EXHIBIT G 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 ASE 0;1£-DK-10D1Y-ViJ UOC L3L Flled LU/ZU/l4 Entered 1U/20/14 15:53:35 Des Main Document Page 1 of 4 David Tang (sbn 182357) 8311 Westminster BI, #330 Westminster, CA 92683 FILED & ENTERED Tel: (714) 893-6698 Fax: (714) 893-0387 E-mail: lawyertang@yahoo.com OCT 20 2014 Attorney for the Debtor: CLERK U.3. BANKRUPTCY GOURT Liliana Ghobrial Central District of California BY bailey DEPUTY CLERK THE UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA RIVERSIDE DIVISION Inre: Case No: 6:12-bk-15519-MJ LILTANA GHOBRIAL, Debtor. [Chapter 11] ORDER CONFIRMING CHAPTER 11 PLAN The Second Amended Plan (“Plan”) under Chapter 11 of the Bankruptcy Code filed by Liliana Ghobrial, the Debtor in this entitled case on July 2, 2014 [Docket Number 111], came on for hearing on notice. It having been determined the requirements for confirmation set forth in 11 U.S.C. Sections 1129(a) and 1129(b)(1) are met and the Plan does not discriminate unfairly and is fair and equitable with respect to each class of claims or interests that is impaired under, and has not accepted, the Plan. The Court finds that the Absolute Priority Rule is inapplicable in this individual debtor 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Case 6:12-bk-15519-MJ Doc 131 Filed 10/20/14 Entered 10/20/14 15:53:35 Desd Main Document Page 2 of 4 Chapter 11 case. IT IS ORDERED that the Plan is confirmed. IT IS FURTHER ORDERED that a Post-Confirmation Status Conference is to be held on April 22, 2015, at 1:30 p.m. in Courtroom 301. Pursuant to FRBP, the Court may allow a Final Decree be entered at the same time if requested by the Debtor. Hit Date: October 20, 2014 Meredith A. Jury United States Bankruptcy 10 11 12 13 14 15 16 17 18 19 20 21 3 23 24 25 26 27 28 Case 6:12-bk-15519-MJ Doc 131 Filed 10/20/14 Entered 10/20/14 15:53:35 Desq Main Document Page 3 of 4 PROOF OF SERVICE OF DOCUMENT | am over the age of 18 and not a party to this bankruptcy case or adversary proceeding. My business address is; 8311Westminster Bl, #330, Westminster, CA 92683 A true and correct copy of the foregoing document entitled (specify): ORDER CONFIRMING CHAPTER 11 PLAN will be served or was served (a) on the judge in chambers in the form and manner required by LBR 5005-2(d); and (b) in the manner stated below: 1. TO BE SERVED BY THE COURT VIA NOTICE OF ELECTRONIC FILING (NEF): Pursuant to controlling General Orders and LBR, the foregoing document will be served by the court via NEF and hyperlink to the document. On (date) OCTOBER 13, 2014, | checked the CM/ECF docket for this bankruptcy case or adversary proceeding and determined that the following persons are on the Electronic Mail Notice List to receive NEF transmission at the email addresses stated below: Service information continued on attached page 2, SERVED BY UNITED STATES MAIL: On (date) OCTOBER 13, 2014, | served the following persons and/or entities at the last known addresses in this bankruptcy case or adversary proceeding by placing a true and correct copy thereof in a sealed envelope in the United States mail, first class, postage prepaid, and addressed as follows. Listing the judge here constitutes a declaration that mailing to the judge will be completed no later than 24 hours after the document is filed. Service information continued on attached page 3. SERVED BY PERSONAL DELIVERY, OVERNIGHT MAIL, FACSIMILE TRANSMISSION OR EMAIL (state method for each person or entity served): Pursuant to F.R.Civ.P. 5 and/or controlling LBR, on (date) , | served the following persons and/or entities by personal delivery, overnight mail service, or (for those who consented in writing to such service method), by facsimile transmission and/or email as follows. Listing the judge here constitutes a declaration that personal delivery on, or overnight mail to, the judge will be completed no later than 24 hours after the document is filed. [C] Service information continued on attached page | declare under penalty of perjury under the laws of the United States that the foregoing is true and correct, 10-13-2014 Jenny Diep /slJenny Diep Date Printed Name Signature 11 12 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Case 6:12-bk-15519-MJ Doc 131 Filed 10/20/14 Entered 10/20/14 15:53:35 Desq Main Document Page 4 of 4 ATTACHMENT TO PROOF OF SERVICE OF DOCUMENT 1. Served by the Court Via Notice of Electronic Filing (NEF) United States Trustee usptregionl6.rs.ecf@usdoj.gov Counsel for UST Jason K Schrader, Esq.: Jason k.schrader@usdoj.gov Secured Creditors Nationstar Mortgage/Bank of America, N.A. Kristin A. Zilberstein, Esq. Merdaud Jafarnia, Esq. McCarthy & Holthus LLP bknotice@mccarthyholthus.com Nationstar Mortgage Keena N Newmark Brice Vander Linden & Wernick PC Keena.newmark@bvwlaw.com Nationstar Mortgage Bill Taylor Ecfnotices@4stechnologies.com Erica T. Lofits, Esq. Edward T. Weber RCO Legal, PS bknotice@rcolegal.com 2. Served by United States Mail Green Tree Servicing LLC., 7360 S. Kyrene Rd, Tempe, AZ 85283 Home Depot Credit Services, PO Box 183175, Columbus, OH 43218 FIA Card Services, N.A., PO Box 15102, Wilmington, DE 19886 Nationstar Mortgage, Bankruptcy Dept., 350 Highland Drive, Lewisville, TX 75067 Bank of America, N.A., PO Box 5170, Simi Valley, CA 93062 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Lase bilz-pK-15514-MJ Doc 150 Filed 05/05/15 Entered 05/05/15 12:09:32 Desa Main Document Page 1 of 8 David Tang (sbn 182357) 8311 Westminster Bl, #330 Westminster, CA 92683 FILED & ENTERED Tel: (714) 893-6698 Fax: (714) 893-0387 E-mail; lawyertang@yahoo.com MAY 05 2015 Attorney for the Debtor: CLERK us. BANKRUPTCY COURT Liliana Ghobrial Bde THE UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA RIVERSIDE DIVISION Inre; Case No: 6:12-bk-15519-MJ LILIANA GHOBRIAL, Debtor. [Chapter 11] ORDER GRANTING FINAL DECREE On April 22, 2015, the Debtor’s Motion for Final Decree (“Motion”) came on for hearing as noticed. The Court has tentatively granted the Motion conditioned upon the Debtor’s full payment of outstanding quarterly fees in the amount of $650 owed to the United States Trustee Program. The Debtor has lodged a Declaration stating that the outstanding quarterly fees have been paid in full and said Declaration is docket on April 27, 2015, as Docket Number 149. 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Main Document Page 2 of 8 The Court is satisfied that the Debtor has complied with its order in making the Quarterly Payments to the US Trustee Program. IT IS ORDERED that the Motion for Final Decree is granted. HHH Date: May 5, 2015 Meredith A. Jury United States Bankruptcy ase b.1zZ-pK-15519-MJ Doc 150 Filed 05/05/15 Entered 05/05/15 12:09:32 Desd rN OO 00 9 o O wn s w 10 In 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Case 6:12-bk-15519-MJ Doc 150 Filed 05/05/15 Entered 05/05/15 12:09:32 Desc Main Document Page 3 of 8 David Tang (snbn 182357) Law Office of David Tang 8311 Westminster Bl, #330 Westminster, CA 92683 Tel: (714) 893-6698 Attorney for the Debtor: Liliana Ghobrial THE UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA RIVERSIDE DIVISION Inre: Case No: 6:12-15519-M] [Chapter 11] DECLARATION OF LILIANA GHOBRIAL LILIANA GHOBRIAL, Debtor. No w N n N e t aw e” u a ? s e t “ sv t “a st “e we “e ge t “o ut I, Liliana Ghobrial, declare: 1. I am the Reorganized Debtor in this entitled case. The following facts are stated under the penalty of perjury and I would state the same if I am called upon to testify as to the matters contained in this declaration. 2. On April 22, 2015, I was informed the Court has granted a conditional Final Decree order since there is $650 in quarterly fees unpaid to the US Trustee Program. 3. On April 23, 2015, I caused to mail a money order of $650 payable to the US Trustee via US certified return mail. The copy of the check and the mailing is attached to this declaration. DECLARATION OF LILIANA GHOBRIAL Apr27 15 15888 6:12-Blido ts Mehad39, 50 Filed 05/05/15 Entered, Q/02(48,12:09:32 Dgsc ain Document Page 4 of 8 - 1 declare under the penalty of perjury under the laws of the United States of America that the foregoing is true and comect. Executed on April 27, 2014, at Chino Hills, California, oA CA Flihiana Ghobrial 7 Reorganized Debtor © 0 O N WM O R W N - pm em a pw d e d am d be d pe d ee t p e VW O ® 3 Ch Lh BR W N © w b - Oo k tN no DECLARATION OF LILIANA GHOBRIAL 2 Ld Case 6:12-bk-15519-MJ Doc 150 Filed 05/05/15 Enter / 12:09:32 SC Apr 27 15 07:59 EAs hs RSRPREH Be nagemefiain Document Page 5 of 8 Senn NEW 03/08 sa 100c 30a IRR . Pt pA ace Vn, pe ao HE: i ov view = WA BPA Tk i i "9566401 806 ogame CHASED J - Date 04/23/2015 Pay To The. "| Ce <0 Order Of: ale ce of Ale US. Nyy stee . $650.00 ** Pay: SIX HUNDRED FIFTY DOLLARS AND 00 CENTS. NT L. iana Cliche ial NOT VALID FOR MORE THAN $1050.00 , ctrh Ash & Zod NE 2015 Gua Eoxtue Drive. Clive Hulls. CA 4169 0 {5 cr ADDRESS: oy ’ Mamo: Case, 136-12 = or JPMoman Chase Bark, NA, Note: For Information only. Comment has no effect on bank's payment, Phoenix. AZ & pe pr nt naar AY wer TE "e5e6L0EE0E™ KL 22400024 BOEOORZ2 1810 Crm ort mt hi 4 + Sw pen U.S. Postal Service™ CERTIFIED MAILS RECEIPT Sa GE ob dhe US Tyvusdee Be 80 Maivergiy Ave. Sue 120 0-32.58 3 -m REE Rel Ln all For delivery Information, visit our website at wiviw.usps.com™. RIVERSIDE i& hf} = TR 7 0 hos nu E Fi be © oa a Postage =r 1732 1 Certiied Fos $5.30 UE Return Racaipt F 2.9 Poser 2 (Emoreemont Rouiredy 2.40 23 Hore Rastrictod Del Nn = co (Exdorsament Roadiad) HL ou 3% 2 Total Posiago & Fess $ $4.49 ars TR = ~~ =I re , PS Form 3800, July 20614 Sec Revarse for Instructions Sram. Sy oe 8 mw a Case 6:12-bk-15519-MJ Doc 150 Filed 05/05/15 Entered 05/05/15 12:09:32 Desc Main Document Page 6 of 8 PROOF OF SERVICE OF DOCUMENT I am over the age of 18 and not a party to this bankruptcy case or adversary proceeding. My business address is: 8311 Westminster BI, #330, Westminster, CA 92683 A true and correct copy of the foregoing document entitled (specify): Declaration of Liliana Ghobrial will be served or was served (a) on the judge in chambers in the form and manner required by LBR 5005-2(d); and (b) in the manner stated below: 1. TO BE SERVED BY THE COURT VIA NOTICE OF ELECTRONIC FILING (NEF): Pursuant to controlling General Orders and LBR, the foregoing document will be served by the court via NEF and hyperlink to the document. On (date) 1 , | checked the CM/ECF docket for this bankrupicy case or adversary proceeding and determined that the following persons are on the Electronic Mail Notice List to receive NEF transmission at the email addresses stated below: Office of US Trustee: usptregion16.rs.eci@usdo}.gov Jason K Schrader, Esq.: Jason k.schrader@usdoj.gov J Service information continued on attached page 2. SERVED BY UNITED STATES MAIL: On (date) , | served the following persons and/or entities at the last known addresses in this bankruptcy case or adversary proceeding by placing a true and correct copy thereof in a sealed envelope in the United States mail, first class, postage prepaid, and addressed as follows. Listing the judge here constitutes a declaration that mailing to the judge will be completed no later than 24 hours after the document is filed. [] Service information continued on attached page 3. SERVED BY PERSONAL DELIVERY. OVERNIGHT MAIL, FACSIMILE TRANSMISSION OR EMAIL. (state method for each person or entity served): Pursuant to F.R.Civ.P. 5 and/or controlling LBR, on (date) ____________ |served the following persons and/or entities by personal delivery, overnight mail service, or (for those who consented in ‘writing to such service method), by facsimile transmission and/or email as follows. Listing the judge here constitutes a declaration that personal delivery on, or overnight mail to, the judge will be completed no later than 24 hours after the document is filed. [J service information continued on attached page | declare under penalty of perjury under the laws of the United States that the foregoing is true apd correct. oy 04/27/2015 Jenny Diep i Date Printed Name Signature™"’ This form is mandatory. It has been approved for use by the United States Bankruptcy Court for the Central District of California. June 2012 F 9013-3.1.PROOF.SERVICE 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Case 6:12-bk-15519-MJ Doc 150 Filed 05/05/15 Entered 05/05/15 12:09:32 Desq Main Document Page 7 of 8 PROOF OF SERVICE OF DOCUMENT | am over the age of 18 and not a party to this bankruptcy case or adversary proceeding. My business address is: 8311Westminster Bl, #330, Westminster, CA 92683 A true and correct copy of the foregoing document entitled (specify). ORDER GRANTING DEBTOR'S MOTION FOR FINAL DECREE will be served or was served (a) on the judge in chambers in the form and manner required by LBR 5005-2(d); and (b) in the manner stated below: 1. TO BE SERVED BY THE COURT VIA NOTICE OF ELECTRONIC FILING (NEF): Pursuant to controlling General Orders and LBR, the foregoing document will be served by the court via NEF and hyperlink to the document. On (date) May 1, 2015, | checked the CM/ECF docket for this bankruptcy case or adversary proceeding and determined that the following persons are on the Electronic Mail Notice List to receive NEF transmission at the email addresses stated below: Service information continued on attached page 2. SERVED BY UNITED STATES MAIL: On (date) May 1, 2015, | served the following persons and/or entities at the last known addresses in this bankruptcy case or adversary proceeding by placing a true and correct copy thereof in a sealed envelope in the United States mail, first class, postage prepaid, and addressed as follows. Listing the judge here constitutes a declaration that mailing to the judge will be completed no later than 24 hours after the document is filed. Service information continued on attached page 3. SERVED BY PERSONAL DELIVERY, OVERNIGHT MAIL, FACSIMILE TRANSMISSION OR EMAIL (state method for each ps (sta method for e person or entity served): Pursuant to F.R.Civ. P.5 and/or controlling LBR, on (date) , | served the following persons and/or entities by personal delivery, overnight mail service, or (for those who consented in writing to such service method), by facsimile transmission and/or email as follows. Listing the judge here constitutes a declaration that personal delivery on, or overnight mail to, the judge will be completed no later than 24 hours after the document is filed. [0 service information continued on attached page | declare under penalty of perjury under the laws of the United States that the foregoing is true and correct. 5-1-2015 Jenny Diep /s{Jenny Diep Date Printed Name Signature 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Case 6:12-bk-15519-MJ Doc 150 Fied Ub/Ubily ENEIeu UdJUD/LD 1£.UY.0c UEdy Main Document Page 8 of 8 ATTACHMENT TO PROOF OF SERVICE OF DOCUMENT 1. Served by the Court Via Notice of Electronic Filing (NEF) United States Trustee usptregionl6.rs.ecf@usdoj.gov Counsel for UST Jason K Schrader, Esq.: Jason.k.schrader@usdoj.gov Secured Creditors Nationstar Mortgage/Bank of America, N.A. Kristin A. Zilberstein, Esq. Merdaud Jafarnia, Esq. McCarthy & Holthus LLP bknotice@mccarthyholthus.com Nationstar Mortgage Keena N Newmark Brice Vander Linden & Wernick PC Keena.newmark@bvwlaw.com Nationstar Mortgage Bill Taylor Ecfnotices@4stechnologies.com Erica T. Lofits, Esq. Edward T. Weber RCO Legal, PS bknotice@rcolegal.com 2. Served by United States Mail Honorable Judge Meridith Jury, 4050 Main Street, Ctrm 301, Riverside, CA 92501 Liliana Ghobrial, 4244 Foxrun Dr, Chino Hills, CA 91709 Green Tree Servicing LLC., 7360 S. Kyrene Rd, Tempe, AZ 85283 Home Depot Credit Services, PO Box 183175, Columbus, OH 43218 FIA Card Services, N.A., PO Box 15102, Wilmington, DE 19886 Nationstar Mortgage, Bankruptcy Dept., 350 Highland Drive, Lewisville, TX 75067 Bank of America, N.A., PO Box 5170, Simi Valley, CA 93062 Oo 0 9 a N wn bh 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 PROOF OF SERVICE I am a resident of the State of California, over the age of eighteen years, and not a party to the within action. My business address is: 8311 Westminster Bl., #330, Westminster, CA 92683. On July 29, 2020, I served the following document described as: DECLARATION OF LILIANA GHOBRIAL IN SUPPORT OF OPPOSITION TO SPECIALIZED LOAN SERVICING LLC’S MOTION FOR SUMMARY JUDGMENT OR MOTION FOR SUMMARY ADJUDICATION to the following party addressed to: William Idleman, Esq. E-mail: widleman@yumollp.com Yu - Mohandesi, LLP 633 West Fifth Street, Suite 2800 Los Angeles CA 90071 [ 1By placing [ the original [ 1a true copy thereof enclosed in a sealed envelop addressed as follows: [1] (BY MAIL) I deposited such envelop in the mail at Westminster, California. The envelop was mailed with postage thereon fully prepaid. Iam readily familiar with the firm’s practice of collection and processing correspondence for mailing. It deposited with the U.S. Postal Service on that same day in the ordinary course of business. Iam aware that on motion of party served, service is presumed invalid if postal cancellation date or postage meter date is more than one day after date of deposit for mailing in affidavit. [1] (BY FEDERAL EXPRESS) I delivered to an authorized driver authorized by Federal Express to receive documents, in an envelope or package designated by Federal Express with deliver fees paid or provided for, addressed to the person on who it is to served, at the office address as last given by that person on ay document filed in the cause and served on the party making service; or at that party’s place of residence. [1] (BY PERSONAL SERVICE) I delivered such envelope by hand to the offices of the addressee. [1 (FACSIMILE) I faxed such documents from Westminster, California, to the facsimile number(s) shown on the attached service list. The sending facsimile machine number is (714) 893-0387. The transmission was reported as complete and without error and the transmission report was properly issued by the transmitting facsimile machine. [x] By emailing the document(s) listed above to the person(s) at the address(es) set forth below. I declare under penalty of perjury under the laws of the State of California, that the foregoing is true and correct. Executed on July 29, 2020, at Westminster, California. io Af By:. LL ely Jenny Diep PROOF OF SERVICE
