1064 willard story

1064 Willard Ave. Glendale CA 91201-

2217

Story

As reported by Ticor Title as of 3/29/12

•Property overviewPrimary Owner: 7K Islands Inc.; Wealth Vision Intl Inc.Mail Address: 4708 Fountain Ave. #DLos Angeles CA 90029APN: 5623-040-009 Lot No. 75 Page Grid 564-B2

Property Details•Bedrooms: 2 (3 in reality)

Year Built: 1940Square Feet: 1,171 SFBathrooms: 1 (2 in reality)Garage: yesLot Size: 5,297 SFTotal Rooms: 3Fireplace: yesUse code: Single-Family Residential

Sale & Loan

•Transfer Date: 08/30/11Seller: Sky Unlimited 1 GM TR,Transfer Value: N/ADocument #: 11-1175295Cost/Sq Feet: N/A

Assessment & Taxes

•Assessed Value: $480,000Percent Improvement: 22.92%Land Value: $370,000Tax Amount: $5,261.95Tax Rate Area: 4-045Improvement Value: $110,000, 2010

Prior Transfer

•Recording Date: 08/30/2011Document # 11-1175295 BK-PGPrice: N/ADocument Type: Grant DeedFirst TD: N/AType of Sale Price as “0”, “None”, No Consideration

Grant Deed•Buyer Name: 7K Islands Inc.,

Wealth Vision Intl Inc., USA Mortgage Relief, Sky Unlimited I G M TR; First Fidelity Trust; BH Investments TR

•Seller Name: Sky Unlimited I G M Tr,

•Legal Description: Lot 75 Tract No. 9352 City of Glendale

Prior Transfer•Recording Date: 03/18/11

Document No. 11-0417254 BK-PGPrice: N/ADocument Type: Intrafamily Transfer or DissolutionType of Sale Non-Arms Length TransferBuyer: Malavega, Soledad Seller Malavega, JoseBuyer Vesting Married Woman as her sole and separate property

Foreclosure Record

•Recording Date: 02/01/2011Document # 11-0170609 BK-PGDocument Type: Notice of RescissionOriginal Foreclosure Document: 10-0042705

Prior Transfer

•Recording Date 08/11/2010Document # 10-1116803 BK-PGPrice N/ADocument Type Grant DeedType of Sale Price as “0”, “None”, “No Consideration”

Trans Atlantic sells to Sky Unlimited

•Buyer Name: Sky Unlimited I G M Inc. Tr; BH Investments Inc.; 7K Islands Inc.; Trans Atl Int Tr

•Seller Name: Trans Atlantic Intl Inc.

•Legal Description: Lot 75 Tract No. 9352 Map Ref MB125 PG29&30 City of Glendale

Foreclosure Record

•Recording Date: 07/12/2010Document # 10-0946986 BK-PGDocument Type: Notice of Sale (aka Notice of Trustee’s Sale)Auction Location 12720 Norwalk Blvd., NorwalkAuction Date/Time 08/02/2010 10:00 AMMin Bid Amt $573,578

Foreclosure Record

•Recording date 01/12/2010Document # 10-0042705 BK-PGDocument Type Notice of DefaultBeneficiary Name Deutsche Bank National Trust CoTrustor Names Malavega Jose; Malavega SoledadTrustee Name CAL Western Reconveyance Corp.

01/12/2010

•Mailing address: 525 E Main St., El Cajon, CA 92022-9004

•Trustee Phone 619-590-9200

•TS# 1258791-11

•Loan Doc # 07-0519144

Loan

•Loan Date 03/09/2007Loan Amount $517,950Contact Name Deutsche Bank National Trust Co.Attn Cal Western Reconveyance CorpMailing Address 525 E Main St El Cajon CA 92022-9004Legal Description: Lot 75

Prior Transfer

•Recording Date 03/09/2007Document # 07-0519143-BK-PGPrice $575,500 DocType Grant DeedFirst TD $517,950 Type of Sale Full-Computed from Transfer TaxMortgage Doc # 07-0519144Interest Rate 8.25%

03/09/2007•Lender Chevy Chase Bank FSB

Buyer Name Malavega, Jose & SoledadSeller Name US Bank NA FFMLT Mortgage Pass Through CertificatesBuyer Vesting Joint TenancyAdjustable Rate Index Twelve Month Ave.Change Index 3.25%Rate Change Frequency MonthlyFirst Change Date 2007

Prior Transfer

•Recording Date: 11/16/2006Document # 06-2538822 BK-PGPrice $517,925Doc Type Trustee’s DeedType of Sale Full Amount on DeedBuyer Name US Bank NA First Franklin Mortgage Loan TrustSeller Ayranjian, ArsenBuyer Vesting: Trust

Mortgage Record

•Recording Date 08/25/2005Document # 05-2042147 BK-PGLoan Amount $120,000Loan Type Stand Alone SecondTD Due Date 09/01/2020Lender Name First FranklinVesting Married Man as his sole and separate propertyBorrower’s Name Ayranjian, Arsen

Prior Transfer

•Recording Date 08/25/2005Document # 05-2042145 BK-PGPrice NA Document type Intrafamily Transfer or DissolutionType of Sale Non-Arms Length TransferBuyer Ayranjian, ArsenSeller Name Haddad, Ester

Prior Transfer

•Recording Date 08/25/2005Document # 05-2042144 BK-PGPrice $600,000 Document type Grant DeedFirst TD $480,000Type of Sale Price Unconfirmed

•Mortgage Doc #05-2042146Interest rate 6.62%Lender Name First FranklinBuyer Name Ayranjian, ArsenSeller Name Aleksanyan, LusyaBuyer Vesting Married Man as his sole and separate propertyAdjustable Rate Index LiborChange Index 5.25%Rate Change Frequency: Six months or semi-annually

Mortgage Record

•Recording Date 02/03/05Document # 05-0258389 BK-PGLoan Amount $464,000Loan Type UnknownTD due date 02/01/2035 IR 8.6%Type of Financing AdjLender Name WMC Mortgage CorpLender Type *X

•Borrower’s Name: Aleksanyan, LusyaAdjustable Rate Index LiborChange Index 8.5%Rate change frequency 6 mos. or semi-annuallyPrepayment penalty rider: no

Mortgage Record

•Recording Date 05/04/01Document # 01-0767438 BK-PGLoan Amount $15,000Loan Type UnknownLender Name Daniellan Financial ServicesLender Type Aleksanyan, MeliksetLegal Description: Lot 75 Tract No. 9352 City of Glendale

Mortgage Record

•Recording Date 04/19/2001Document 01-0665440 BK-PGLoan Amount $260,000Loan Type Stand Alone FirstTD Due Date 05/01/2031Lender Type BankBorrowers Name Aleksanyan, MeliksetLegal Description: Lot 75 Tract 9352 Glendale

Mortgage Record

•Recording Date 07/12/1999Document # 99-1279909 BK-PGLoan Amount $50,000TD Due Date 03/05/2014Lender Name Bank One NALender Type BankBorrowers Name Aleksanyan, Melikset, Aleksanyan, Luysa

Prior Transfer•Recording Date 03/06/1998

Document # 98-0366282 BK-PGPrice $149,500Document Type Individual DeedFirst TD $142,000Type of Sale Full Computed from Transfer Tax Lender National Home Funding CorpBuyer Aleksanyan, MeliksetSeller Spruill, Raymond T & Spruill, Helen M

Prior Transfer

•Recording Date 10/14/97Document 97-1594508 BK-PGPrice $164,665Document Type Trustee’s DeedFirst TD N/AType of Sale Full amount on deedBuyer Spruill Raymond T, Spruill, Helen MSeller Burnet, Gary F, Spruill, Raymond TBuyer Vesting Joint Tenancy

Comparable Sales Data

•Address: 1230 Olmsted Dr Date 03/21/12Price $572,000$/SF $419Bld/ Area 1,364Rm Br/ Bth /3/2YB 1939Lot 6800 SFProxim .37 mi.

•Site Address Glendale CA 91202-1433APN 5628-007-019Price Code FLand Use Single Family ResidentialBuyer Grayson, Joshua E, Sheldon, JaneSeller Name Kennedy, David E, Kennedy PatriciaLegal Lot 17 Tract 5621 City of Glendale

Comparable

•Address: 1020 Rosedale Ave.Date 02/13/12 Price $380,000$/SF $239Bld/Area 1,585Rm/br/bath /4/2 YB 1927Lot 6,547 SF Proxim .14 MiSite address Glendale CA 91201APN 5623-037-013Buyer Issaian, Antranik, Issaian, Norik

Comparables

•Address 834 Graynold Ave. Glendale CA 91202Date 1/31/12 Price $370,000$/SF $378 Bld/Area 977Rm/Br/ Bath /2/1 YB 1939Lot 6,808 SF Proxim .29 miDoc type: Grant DeedBuyer Name Kazariane, Tadeh, Mardirosian, Neenel

Comparable

•Address 1446 Cleveland Rd Glendale CA 91202Date 1/31/12Price $665,000$/SF $389Bldg/Area 1,706 Rm / Br/ Bath /3/1YB 1926 Lot 9,418 SF Proxim .53 miBuyer: Shaumyan, Alfred, Torabyan, Madlen

Mortgage Record

•Recording date 02/03/2005Document # 05-0258389 BK-PGLoan Amount $464,000TD Due Date 02/01/2035 IR: 8.6%Type of Financing AdjLender Name WMC Mortgage CorpLender Type *XBorrower’s Name Aleksanyan, Lusya

California Secretary of State•Business Search Results as of

Friday, April 6, 2012Entity No. C1201234Date Filed 05/18/1983Status SuspendedEntity Name Sky Islands Estates Inc.Agent for Service of Process: Tony Regan

Business Entity Detail

•Entity Name Sky Unlimited Inter-Global Marketing Inc.Entity No. C2603403Date Filed 01/20/2004Status: SuspendedJurisdiction: CaliforniaEntity Address: 22020 Clarendon St. Ste 201C, Woodland Hills CA 91367

Sky Unlimited

•Agent for Service of Process Herbert PolicarpioAgent Address: 22020 Clarendon St Ste 201C Woodland Hills CA 91367

Wealth Vision Intl Inc

•Entity No. C3071643 Date Filed: 12/31/2007Status: Suspended Jurisdiction: CaliforniaAddress 10901 Gloria St. Granada Hills CA 91344Agent for Service of Process: Herbert Policarpio Address: 10901 Gloria St Granada Hills CA 91344

Capital One

•PO Box 21887Eagan, MN 55121-08876-752-50889-0001335-001-1-000-000-000-000Jose MalavegaSoledad Malavega1064 91201AR201

Loan No. 0557013141 SPOT

•Dear Mortgagor(s)Payment Change NoticeIn accordance with the terms of your Note, the interest rate on the mortgage will be adjusted to 3.37500%

Capital One

•Stephen ZAccount Manager(877)230-8516Extension 443-7106

Beware

•Beware of Foreclosure Rescue Scams. Help is Free!There is never a fee to get assistance or information about the Making Home Affordable program from your lender or HUD-approved housing counselor.

HUD-approved Counselor

•http://www.hud/gov/offices/hsg/sfh/hcc/fc or call 888-995-HOPE.Beware of any person or organization that asks you to pay a fee in exchange for housing counseling services or modifications of a delinquent loan.

Beware•Beware of anyone who says they can

“save” your home if you sign or transfer over the deed to your house. Do not sign over the deed of your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt. Never make mortgage payments to anyone other than your mortgage company without their approval.

Recorded May 14, 2013

•As Doc No. 20130721367By s/ PETER SARLSI Title Company

Recording requested by

•Quality Loan Service CorpWhen recorded mail to:Quality Loan Service Corp.2141 5th Ave.San Diego, CA 92101

•TS No. CA-11-484130-VF

•Order No. 110561498-CA-GTI

•APN No. 5623-040-009

Notice of Default and Election to Sell Under

Deed of Trust•If your property is in foreclosure because

you are behind in your payments, it may be sold without any court action, and you may have the legal right to bring your account in good standing by paying all of your past due payments plus permitted costs and expenses within the time permitted by law for reinstatement of your account, which is normally 5 business days prior to the date

•set for the sale of your property. No sale date may be set until approximately 90 days from the date this Notice of Default may be recorded (which date of recordation appears on this notice). This amount is $145,682.96 as of 5/10/2013 and will increase until your account becomes current.

•While your property is in foreclosure, you still must pay other obligations such as insurance and taxes) required by your note and deed of trust or mortgage. If you fail to make future payments on the loan, pay taxes on the property, provide insurance on the property, or pay other obligations as required in the note and deed of trust or mortgage, the beneficiary or mortgagee may insist that you do so in order to reinstate your account in good standing.

•In addition, the beneficiary or mortgagee may require as a condition of reinstatement that you provide reliable written evidence that you paid all senior liens, property taxes, and hazard insurance premiums.

•Upon your written request, the beneficiary or mortgagee will give you a written itemization of the entire amount you must pay. You may not have to pay the entire unpaid portion of your account, even though full payment was demanded, but you must pay all amounts in default at the time payment is made. However, you and your beneficiary or mortgagee may mutually agree in writing prior to the time the notice prior to the time the notice of sale is posted (which may not be earlier than

•three-months after this Notice of Default is recorded) to, among other things, (1) provide additional time in which to cure the default by transfer of the property or otherwise, or (2) establish a schedule of payments in order to cure your default; or both (1) and (2).

•Following the expiration of the time period referred to in the first paragraph of this notice, unless the obligation being foreclosed upon or separate written agreement between you and your creditor permits a longer period, you have only hte legal right to stop the sale of your property by paying the entire amount demanded by your creditor.

To find out the amount you must pay, or arrange for payment to stop the foreclosure, or if your property is in foreclosure for any other reason, contact:

•Deutsche Bank National Trust Company as Trustee for BCAP Trust LLC 2007-AA4c/o Quality Loan Service Corp2141 5th AvenueSan Diego, CA 92101(619)645-7711

•If you have any questions, you should contact a lawyer or the governmental agency which may have insured your loan. Notwithstanding the fact that your property is in foreclosure, you may offer your property for sale provided the sale is concluded prior to the conclusion of the foreclosure.

•Remember, YOU MAY LOSE LEGAL RIGHTS IF YOU DO NOT TAKE PROMPT ACTION.

•NOTICE IS HEREBY GIVEN: That the undersigned is either the original trustee, the duly appointed substituted trustee, or acting as agent for the trustee or beneficiary under a Deed of Trust dated 3/6/2007, executed by Jose Malavega and Soledad Malavega, husband and wife as joint tenants, as Trustor, to secure certain obligations in favor of Mortgage Electronic Registration Systems, Inc., as Nominee for Chevy Chase Bank, F.S.B.,

•as beneficiary, recorded 3/9/2007, as Instrument No. 20070519144, of Official Records in the Official Records in the Office of the Recorder of Los Angeles County, California describing land therein; as more fully described in said Deed of Trust.

•Said obligations including 1 Note(s) for the original sum of $517,950, that the beneficial interest under such Deed of Trust and the obligations secured thereby are presently held by the beneficiary; that a breach of, and default of, and default in, the obligations for which such Deed of Trust is security has occurred in that payment in that payment has not been made of:

•The installments of principal and interest which became due on 9/1/2009 and all subsequent installments of principal and interest through the date of this Notice, plus amounts that are due for late charges, delinquent property taxes, insurance premiums, advances made on senior liens, taxes and/or insurance, trustee’s fees, and any attorney fees and court costs arising from or associated with the beneficiaries

•efforts to protect and preserve its security, all of which must be paid as a condition of reinstatement, including all sums that shall accrue through reinstatement or pay-off. Nothing in this notice shall be construed as a waiver of any fees owing to the Beneficiary under the Deed of Trust pursuant to the terms of the loan documents.

•That by reason thereof, the present beneficiary under such deed of trust, has executed and delivered to said duly appointed Trustee, a written Declaration of Default and Demand for same, and has deposited with said duly appointed Trustee, such deed of trust and all documents evidencing obligations secured thereby, and has declared and does hereby declare all sums secured thereby immediately due and payable and has elected and does hereby

•elect to cause the trust property to be sold to satisfy the obligations secured thereby.

The Mortgage Servicer declares that it has contacted the borrower, tried with due diligence to contact the borrower as required by California Civil Code 2923.55, or is otherwise exempt from the requirements of 2923.55. Pursuant to the attached declaration incorporated herein and made a part hereof by this reference.

•If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

•This office is attempting to collect a debt and any information obtained will be used for that purpose.Dated: 5/10/2013Quality Loan Service Corp, Trustee

By: Hannah Adye, Assistant Secretary

California Declaration of Compliance

(Cal. Civ. Code 2923.55(c))

Borrower(s) Jose Malavega, Soledad MalavegaProperty Address: 1064 Willard Ave., Glendale Ca 91201Trustee Sale No. CA-11-484130-VF

The undersigned, as an authorized agent or employee of the mortgage servicer named below, declares as follows:

•1. [ ] The mortgage servicer has contacted the borrower to assess the borrower’s financial situation and explore options for the borrower to avoid foreclosure as required by California Civil Code 2923.55(b)(2). Initial contact was made on ____

•2. [x] The mortgage servicer has tried with due diligence to contact the borrower as required by California Civil Code 2923.55(f) but has not made contact despite such

•due diligence. The due diligence efforts were satisfied on 10/14/11.

•[ ] No contact was required because the individual did not meet the definition “borrower” under California Civil code 2920.5(c).

•4. [ ] The requirements of California Civil Code 2923.55 do not apply because the loan is not secured by a first lien mortgage or deed of trust on “owner-occupied” residential real property as defined by California Civil Code 2924.15

•I certify that this declaration is accurate, complete and supported by competent and reliable evidence which the mortgage servicer has reviewed to substantiate the borrower’s default and the right to foreclose, including the borrower’s loan status and loan information.

•Dated: 1/17/13

Capital One, N.A.Printed Name of Agent or Employee: Chandra Aldridge

Summary

•Due to income changes with the Malavegas, they paid about $3,000 to Joseph Policarpio for a loan modification (see the cease and desist order from the DRE from search engine). Malavega does not recall signing any sale or transfer. Deed has EDD lien due to unpaid payroll taxes of (name of company? for $108,000.

Real Estate Lawyer Wanted

•To make letter to the EDD to dispute the attachment of lien because he did not transfer or sold the property for $0. No where in the history that Jose Malavega sold the 1064 Willard Ave. house for $0. Request signed document that Jose Malavega sold the house for $0.1% Short Sale Coordinating Fee

•Lucille Atillo signifies interest to assume mortgage at negotiated $1,500 per month, purchase house or assume mortgage.

•Property cannot be sold on short sale due to EDD Lien.