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					               THE LAW OFFICE OF THOMAS J. SHERWOOD
                     11524 EAST US HIGHWAY 92
                             SUITE 300
                      SEFFNER, FLORIDA 33584
                     WWW.TSHERWOODLAW.COM




                              FINANCIAL ANALYSTS
                           PHONE NO: (813) 246-5000
                          TOLL FREE NO: (877) 246-4486
                             FAX NO: (813) 514-6415


                                NEGOTIATIONS
                           PHONE NO: (813) 664-1230
                            FAX NO: (813) 246-5550
                            FAX NO: (813) 514-6414



ALL DOCUMENTS MUST BE FAXED TO OUR OFFICE WITHIN 72 HOURS


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                                                                                  1
                    THE LAW OFFICE OF THOMAS J. SHERWOOD
          11524 EAST US HIGHWAY 92 SUIITE 300 SEFFNER, FLORIDA 33584
               PHONE: (813) 246-5000 ******* FAX: (813) 514-6415

Stay in touch: You have retained The Law Office of Thomas J. Sherwood for a brand new
start. In order to be most effective, we require prompt communication and documentation
throughout the negotiation process. Per your agreement with The Law Offices of Thomas J.
Sherwood, we will use all reasonable efforts to obtain the best loss mitigation option
available to you. To enable us to act quickly, it is necessary that we receive all requested
documents and information within 24 to 72 hours. Upon The attorney’s office receipt of
the required documentation, a Transaction Coordinator will contact you to verify its
completeness, as well as inform you of any additional information needed to begin its
discussions/negotiations with your lender. Your income to expense ratio must be relevant
and warrant proceeding forward with the mortgage loan modification process.             Self-
employed borrowers, who are unable to produce paychecks or pay stubs, must provide a
certified profit and loss statement for the prior 6 months. Your income may include
contributions from family members or other loved ones who are not listed on the loan,
provided that you obtain a written statement from each such individual confirming the
amounts and dates of their contributions.
All funds required by your lender must be available in order to begin the program:
It is necessary for the attorney to know the precise amount of funds that you will have
available, within a given date or time, prior to the attorney’s commencing the negotiation
process with your lender. This information will enable the attorney to recommend and/or
pursue other alternatives should the funds available be insufficient to enter into a program.
Each lender generally has its own set of guidelines with respect to the qualification and
terms of repayment plans and loan modifications. Many times lenders will request a
minimal down payment, the amount of which will be dependent upon the history of your
loan and the information disclosed on your financial worksheet. For conventional loans,
the lender may ask for a greater down payment as a prerequisite to approval for its loss
mitigation program. Whichever the case, Thomas J. Sherwood will negotiate to obtain the
best possible option for your financial situation that available funds will permit.



                                                                                           2
                             RETAINER AGREEMENT

The Law Office of Thomas J. Sherwood offers counseling for homeowners; A) whose
properties are threatened by foreclosure, B) Owe more on their homes than they are
currently worth and C) Are in adjustable rate mortgages and can no longer afford their
payments. The attorney’s office provides processing in regard to exploring and/or
negotiating workout solutions and alternatives to avoid foreclosure. The goal of the Law
office Pre-Foreclosure Counseling Program is to provide as many available workout
solutions as possible for the homeowner to cure or avoid a default, and to assist the
homeowner in choosing the workout solution that is best suited to their particular
circumstances.

By signing this document, the undersigned customer, (“Client”) and the attorney are
entering into a binding agreement (the “Contract”) for the provision of the attorney’s
consulting and processing services, with respect to avoiding default and/or foreclosure
proceedings affecting the Client’s property located at:

                     Street Address: _____________________________________________________

                     City, State, Zip:   _____________________________________________________

(Hereinafter referred to as the “Property”). The attorney and client (hereinafter referred to
individually and collectively referred to as the “Party,” or “Parties,” respectively) hereby
agree to the following terms respecting the provision of Thomas J. Sherwood’s services:

       1. Retainer: Under this contract, the client agrees to pay a processing fee to The
          Law Office of Thomas J. Sherwood in the amount of $___________ (“Retainer”) in
          consideration for the services provided by the attorney and his designated
          agents. The retainer fee can be paid by client in a lump sum or installments, upon
          execution of this contract. Client acknowledges that the retainer is intended to
          cover the attorney’s office costs and labor in performing its services under this
          contract and that no portion of the retainer is intended to be used for, nor shall it
          be applied towards payment of any portion of the client’s mortgage
          indebtedness or as any part of the client’s workout solution. Explanation of fees
          as follows: ($2595 based on 200k or less) ($3095 on 201k – 450k) ($3595) on
          451k – 750k) ($4095 on 751k – 1 Million) (above 1 Million is $5095.)
          ($600.extra on 2nd mortgages). Client acknowledges that the Law office of
          Thomas J. Sherwood is not, and shall not be responsible for client’s inability to
          raise any monies that may be required to be paid by client in order to qualify or
          perform under any workout solution that the attorney may procure for client.
          Client further understands all fees to be paid herein shall be placed into the
          Thomas J. Sherwood Attorney Trust Account and shall be disbursed in
          accordance with the schedule as stated on page 5 of this Agreement.


                                                                                                 3
2. Scope of Representation: The Law Office of Thomas J. Sherwood will provide
   services for ____________________________________________________________________(“Client”)
   for the expressed and implied purpose of providing the following Loss Mitigation
   Services and representation (as defined and referred to in the following
   (“Description of Services”). This agreement and representation is limited to Loss
   Mitigation Services for Client and real property address located at
   _________________________________________________________________________(the “property”).
   Not included within the scope of our representation are appearances in
   court, appearances at settlement conferences, answers in response to
   summons and complaints, overall representation in the foreclosure action,
   or appeals from any judgments or orders of the court. The Law Office of
   Thomas J. Sherwood can provide these services to you at an additional cost.
   Appeals are subject to separate discussion and negotiation between the Law
   Firm and Client. This agreement also does not cover any services Client may
   request in connection with any other matter, action , or proceeding.

The representation Client has sought from The Law Office of Thomas J. Sherwood
may be time-consuming. In order to provide an understanding of what is involved,
the following is the best estimation of the steps involved in the representation:

Description of Services provided under this agreement:

A. Examine client’s financial profile and determine if profile fits within eligibility
   requirements. Collect due diligence analysis of client/lender relationship
   including review of any and all correspondence to and from existing lender,
   existing note, existing deed, asset/liability worksheet. Consult with client in
   regards to financial hardships. Collect all necessary documentation. Collaborate
   with client on developing hardship letter.
    Completion Date: ___________________ (Within 2 business days from agreement date)

B. Package file for submission to lender for modification, assign the file to a
   negotiator. Pull comparable sales and prepare comparative market analysis and
   property value report. Prepare all asset/liability and income documentation.
   Review of complete package and consultation with client.
    Completion Date: ___________________ (Within 4 business days from agreement date)

C. Contact lender and submit loan modification package to lender(s) via fax, email,
   and first class mail. Establish contact with assigned loss mitigation specialist and
   state the financial hardship case on behalf of client. Request that lender remove
   client’s phone number from their Collections Department.
    Completion Date: ___________________ (Within 7 business days from agreement date)




                                                                                            4
      D. Process and re-negotiate the terms of the client’s mortgage(s). This may require
         several phone calls and correspondence via fax, email, and certified mail.
         Provide any additional documents as requested. The negotiator will keep the
         client updated on the status of the workout solution.
         Completion Date: __________________________ (Within 4 weeks from agreement date)

      E. Completion of workout solution and/or similar services. Finalization of all new
         loan terms. Closing consultation with the client. Provide all closing statements
         and records to client.
         Completion Date: _________________________ (Within 12 weeks from agreement date)


The fee shall be apportioned and disbursed as follows from the trust account:

                   20% to be disbursed upon completion of (a) above;
                   20% to be disbursed upon completion of (b) above;
                   10% to be disbursed upon completion of (c) above;
                   30% to be disbursed upon completion of (d) above;
                   20% to be disbursed upon completion of (e) above;


      F. Successful loss mitigation performance by the company shall have occurred if
         one or more of the options set forth below are offered:

          i.      Change adjustable interest rate to a fixed interest rate
          ii.     Reduce fixed interest rate to a lower fixed interest rate
          iii.    Change from an interest only loan to a fixed loan
          iv.     Change from a negatively amortized loan to a fixed loan
          v.      Reduce balance of the principal amount of the loan
          vi.     Reduce adjustable interest rate / reduce CAPS of adjustable interest rate
          vii.    Stop upward adjustment of adjustable interest rate
          viii.   Arrange for the delinquent payment amounts to be added to the end of
                  loan
          ix.     Arrange for the delinquent payment amounts to be added to a longer
                  loan period
          x.      Arrange for the delinquent payment amounts to be accepted in an
                  alternative payment plan
          xi.     Eliminate or reduce the delinquent payment amounts
          xii.    Arrange for the lender to accept a discounted pay-off or forbearance
          xiii.   Arrange for a deed in lieu of foreclosure
          xiv.    Arrange for a short sale



                                                                                            5
    PLEASE NOTE: THE LAW OFFICE OF THOMAS J. SHERWOOD DOES NOT
    MAKE ANY PROMISES ON SPECIFIC RATES OR TERMS OF YOUR LOAN
    RESTRUCTURE OFFER. WE AT NO TIME RECOMMEND HOMEOWNERS TO
    MISS THEIR MORTGAGE PAYMENTS AT ANY TIME.


3. Reasonable Efforts: The Law Office of Thomas J. Sherwood will make reasonable
   efforts to conclude a “successful workout solution performance” as described
   above. However, the client acknowledges that the company cannot guarantee
   that the client’s existing lender(s) will agree to a modification of the loan(s), and
   that client’s existing lender(s) is not obligated to modify the terms of the loan(s)
   in any way, and may not agree to any changes in the loan(s). Bankruptcy: The
   reimbursement of any of the retainer fee paid by client under the provisions of
   this contract, shall not apply if client seeks or files for bankruptcy protection
   during the processing of the case, as long as The Law Office of Thomas J.
   Sherwood performs and complies with the representation and processing of the
   workout solution.

4. Credit Report: Customer specifically authorizes the attorney office to obtain a
   credit report if, in the attorney office opinion and discretion, determines that
   such a report will be useful in assisting the attorney office to perform its duties
   under this contract.

5. Limitations: The Law Office of Thomas J. Sherwood cannot guarantee that client
   will cure his or her mortgage default and/or that the client will avoid
   foreclosure. Under no circumstances will the attorney or his designated agents
   be responsible for the loss of the client’s home. The attorney’s liability, if any, to
   the client shall not exceed the total of the fees paid by client to the attorney
   pursuant to this contract.

6. Timing: Time is of the essence with respect to The Law Office of Thomas J.
   Sherwood’s processing for a workout solution on behalf of the client.
   Accordingly, client agrees that it shall respond to all requests for information
   and documentation received by client from the attorney or his designated
   agents, after the first 48 hours following the client’s execution of this contract,
   within three (3) calendar days from the date that the request is delivered to
   client (whether such request is made via telephone conversation or message, e-
   mail or facsimile transmission). In the event that the attorney’s office request
   for information is made by regular mail (via the United States Postal Service)
   only, client shall respond to such request within five (5) days of the date of such
   request. A breach of this provision by the client shall result in a revocation of the
   refund of any fees, as provided in this contract.




                                                                                       6
7. Client Communication: Many of the communications from The Law Office of
   Thomas J. Sherwood with client will be made via e-mail, due to the speed and
   efficiency of such communications (provided that the client has provided the
   attorney’s office with an e-mail address upon execution of this contract).
   Accordingly, the client agrees to provide the attorney’s office with an e-mail that
   the client can access on a no less than daily basis (provided that client has an e-
   mail address) and that said client will check client’s incoming e-mail no less than
   once per day to determine if any information requests or updates have been
   received by client within the prior 24 hours. Client waives any liability on the
   part of the attorney’s office resulting from or arising out of the client’s failure to
   receive any information or request from attorney’s office (or client’s delay in
   responding to the same) in the event of the client’s failure to comply with this
   provision. Upon client’s execution of this agreement, client shall designate what
   manner of delivery of documents to client that client wishes the attorney and his
   designated agents to use (i.e., fax, email, or regular mail (via United States Postal
   Service, etc.). The attorney’s office shall deliver to client (via client’s chosen
   method of delivery) a set of forms (and completion regarding the same),
   immediately upon client’s execution of this contract. It shall be the client’s
   responsibility to return all fully completed forms to The Law Office of Thomas J.
   Sherwood within 24 to 48 hours of the attorney’s office delivery of same. The
   Law Office of Thomas J. Sherwood will package and arrange client’s information
   in whatever manner or order deemed by the attorney to be most effective for the
   purpose of the attorney’s processing with client’s mortgage lender.               The
   attorney shall not be deemed to have been retained until the attorney’s office has
   received this signed contract, client’s fully completed forms, and the retainer fee
   due under Paragraph 1 of this contract. The Law Office of Thomas J. Sherwood
   shall be under no obligation to perform services under this contract until it has
   been retained.

8. Exclusive Authority: The Law Office of Thomas J. Sherwood shall have full and
   exclusive authority to determine the strategy to perform all processing and
   negotiations with client’s mortgage lender and client waives any and all claims
   against or liability on the part of the attorney and his designated agents based
   upon any decision made by the attorney in the exercise of such discretion and
   authority. Client agrees that, from the date of execution of this agreement, if the
   client shall communicate with client’s mortgage lender regarding any
   discussions, negotiations, or offers related to the resolution or cure of the client’s
   mortgage default or delinquency, client shall immediately notify the attorney of
   any discussions or options client’s mortgage company has provided within 24
   hours after communication. Said prohibition shall continue until such time that
   the attorney has completed its negotiations with the mortgage lender, the client
   has accepted a proposal from the client’s mortgage lender and the foreclosure
   process has been stopped or rescinded, or until the date of termination of this
   contract, whichever occurs sooner.


                                                                                       7
9. Notice of Foreclosure: Client shall notify The Law Office of Thomas J. Sherwood
   of client’s receipt of any notice of default or foreclosure sale within twenty-four
   (24) hours of client’s receipt of same, including the date, if any, of any noticed
   sale of the property. Should the client fail to so notify the attorney’s office of
   client’s receipt of either of the aforementioned notices within 24 hours affect the
   attorney’s ability to obtain a workout solution for the client, or result in an
   inability of the attorney to stop the foreclosure sale of the property, then said
   failure of the client to comply with this provision shall result in the client’s
   forfeiture of the refund of any fees under the provisions of this contract.

10. Governing Law: This contract shall be interpreted according to the laws of the
    State of Florida. Any controversy or claim arising out of or relating to the
    attorney’s services provided pursuant to this contract, or any claimed act,
    omission of breach by the attorney or client, shall be resolved by arbitration
    administered by the American Arbitration Association or other arbitration
    resources as otherwise mutually agreed upon in writing the parties.

11. During the modification process it’s imperative that ALL communications both
    written and verbal be shared with the Law Office of Thomas J. Sherwood. Any
    and all correspondence must be sent to our offices upon receipt. It is not
    uncommon for the lender to attempt direct contact with the borrower. If verbal
    contact is attempted, it is imperative that you inform the lender’s agent that you
    have retained the Law Office of Thomas J. Sherwood to process and negotiate
    your modification and hereby request that all communications be made with the
    Law Office of Thomas J. Sherwood. You have authorized (authorization) The Law
    Office of Thomas J. Sherwood to speak, process, and negotiate the workout
    solution on your behalf.

12. Termination of Agreement: Either the client or The Law Office of Thomas J.
    Sherwood may terminate this agreement at any time for any reason upon
    written notice to the other party. At the time of termination, all earned but
    unpaid fees for completed services (as set forth and described in above
    provision of this agreement) become due and payable.




                                                                                    8
By signing below, the Parties herein agree to the terms specified above.




       _______________________________________             ____________________________________
               Thomas J. Sherwood                                        Date




     THIS IS A LEGALLY BINDING CONTRACT, READ IT CAREFULLY BEFORE SIGNING.




        _________________________________________           _________________________________
                      Client                                              Date




        ________________________________________            _________________________________
                      Client                                              Date




                                                                                                  9
                     AUTHORIZATION TO RELEASE INFORMATION

Date: __________________________________             Loan #: ________________________________________

I, We ___                            _______________________________________ residing at _______________
______            ________________________________________________________________, hereby appoint:
The Law Office of Thomas J. Sherwood and his designated agents Roxanna I. Rodriguez, Connie
Adams, Nicole Dennewitz, and Juan Pacheco as my attorney-in-fact (my “agent”) to act for me and in
my name (in any way I could act in person) with respect to the following powers, as defined in
“Statutory Short Form Power of Attorney for Subject Real Estate Property” (including all
amendments).
(a) Real Estate Transactions.
(b) Financial Institution Transactions.
(c) Property Insurance
(d) Tangible Personal Property Taxes.
(e) Real Estate Foreclosure Work Out.

Please be advised that this is a written permission and authorization to discuss the above
referenced mortgage loan account and other related mortgages with the Law Office of Thomas J.
Sherwood (herein after called the designated agents). I understand that I will be fully responsible
for reviewing any information that is provided or sent by my mortgage company to my designated
agents.
To protect our client’s rights, we must insist that you do the following. Immediately cease and
desist from any further phone or mail contact in connection to subject property. Our client would
like to resolve this matter amicably.
Please contact The Law Office of Thomas J. Sherwood
This written authorization will remain effective for one calendar year from date of execution and or
I notify my mortgage company in writing that this authorization is no longer valid.


PLEASE retain THIS INFORMATION IN YOUR SYSTEM


_______________________________________   _____________________________________ _______________________
Client                                    Social Security Number                Date


_______________________________________   _____________________________________ _______________________
Client                                    Social Security Number                Date


                                                                                                          10
                            Foreclosing Attorney Information


If you have received a letter of communication or legal correspondence from a foreclosing
attorney or legal counsel representing your lender. It is vital for us to have the attorney’s name,
address, phone number, and fax number.


PLEASE PROVIDE THE FOLLOWING INFORMATION:
Attorney’s Name (Law Firm):____________________________________________________
Address:_____________________________________________________________________
Attorney’s Phone #:____________________________________________________________
Attorney’s Fax#:_______________________________________________________________




DO YOU HAVE A SALE DATE?                       (CIRCLE ONE)               YES           NO
IF YES, PLEASE PROVIDE US WITH THE DATE AND TIME:


DATE_______________________________________________________________________
TIME________________________________________________________________________




ARE THERE LIENS ON YOUR HOME OTHER THAN YOUR MORTGAGE?
                                              (CIRCLE ONE)          YES                   NO


IF YES, PLEASE LIST;_________________________________________________________




 _____________________________                                ___________________________
                Signature                                                    Date


 _____________________________                                ___________________________
                Signature                                                    Date


                                                                                                11
                                       HARDSHIP LETTER

Loan # _________________________________


Please explain the reason(s) why and how you fell behind on your mortgage loan including
the dates(s) and events.
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________




___________________________________        _______________________________            __________________
Print Name                                          Signature                               Date




___________________________________        ________________________________           __________________
Print Name                                          Signature                               Date




                                                                                                      12
                                CONTRIBUTION LETTER


Date: ________________________________________________________

To: ___________________________________________________________________________________________________

Loan Number: _____________________________________________




I/We, _____________________________________________________________________________________ do hereby
acknowledge that we have available the amount of $_______________________________________ that
can/will be used towards the contribution/down payment amount that may be requested
by our lender for our loan modification.




___________________________________       _______________________________            __________________
Print Name                                          Signature                               Date




___________________________________       ________________________________            __________________
Print Name                                         Signature                                Date




                                                                                                      13
                  Payment Information and Authorization:
All payments will be processed as a direct debit (ACH) from your bank account and placed
into the attorney trust account. The debit will appear as The Law Office of Thomas J.
Sherwood. All debits will be processed on the dates agreed upon below, unless other
arrangements have been made. Any and all changes to the payment plan below must be
requested in writing. The processing of your file will begin upon receipt of initial payment.
Funds will be withdrawn from the attorney trust account in stages of completion as
outlined in paragraph 2 of this agreement, and will be deemed as earned upon receipt.


Below is the Payment Arrangement:


Total Charges due:        $_____________________________


Payment amount to be debited monthly via ACH from:


Name of Bank: _______________________________________________________________________________________


Account No: ___________________________________ Routing No: _______________________________________


PAYMENT PLAN:


1st Payment Amount - _____________________           Date of ACH Debit: __________________________
2nd Payment Amount - ____________________        Date of ACH Debit: ________________________
3rd Payment Amount- ____________________         Date of ACH Debit: ________________________
4th Payment Amount- _____________________ Date of ACH Debit: ________________________




Print Name: ______________________________________


Auth. Signature____________________________________      Date________________________


                                                                                                     14
                     THE LAW OFFICE OF THOMAS J. SHERWOOD
           11524 EAST US HIGHWAY 92 SUIITE 300 SEFFNER, FLORIDA 33584
                  PHONE: (813) 246-5000 ***** FAX: (813) 246-5550




                             ACH AUTHORIZATION FORM


First Name: _______________________________________    Last Name: __________________________________

Property Address: ___________________________________________________________________________________

City: ___________________________________ State: ______________________ Zip Code: ____________________

Home Phone: ____________________________________ Cell Phone: _____________________________________

Email Address: _______________________________________________________________________________________



Bank Name: __________________________________________________________________________________________

Routing Number: _________________________________ Account Number: ____________________________

Payment Amount: __________________________________________________



I/We, ______________________________________________________________________________________ authorize
The Law Office of Thomas J. Sherwood to auto draft our bank account above every month
for our monthly payment according to our payment plan schedule.



___________________________________      _______________________________           __________________
Print Name                                        Signature                               Date




___________________________________      ________________________________           __________________
Print Name                                        Signature                               Date



                                                                                                   15
                   ADDITIONAL LEGAL SERVICES REQUEST


I am aware that The Law Office of Thomas J. Sherwood is only representing me with
respect to loss mitigation services listed in the signed scope of representation and service
agreement. I understand that I may need to seek outside counsel for any foreclosure action
taken against me. The Law Office of Thomas J. Sherwood is not responsible for responding
to any motion papers, court appearances, settlement conferences, or anything relating to
any foreclosure actions or bankruptcy filings. The Law Office of Thomas J. Sherwood
instructs all clients to respond to motions and/or summons and complaints immediately or
to hire a law firm to provide these services. Please request in writing a consultation with
Thomas J. Sherwood regarding any additional services or representation. An additional fee
may be incurred for additional services.




___________________________________   _______________________________      __________________
Print Name                                     Signature                         Date




___________________________________   ________________________________     __________________
Print Name                                     Signature                         Date




                                                                                           16
                            DISCLOSURE NOTICE

The modification process may vary depending on your bank, and your current
mortgage situation. The process of negotiating with the loss mitigation
department and/or bank appointed negotiator regarding Client’s file on one of
Law Firm’s loss mitigation services or resolutions (I.E. loan modification offer,
loan restructure, loan forbearance offer, short sale negotiation, short
refinance negotiation, suspension of a foreclosure sale date, deed in lieu of
foreclosure, or cash-for-keys negotiation), may take a few weeks to several
months to complete and receive a modification offer. It should be
understood that the lender may deny your loan restructure several
times before the desired result is ultimately achieved.




___________________________________   _______________________________    __________________
Print Name                                     Signature                       Date




___________________________________   ________________________________   __________________
Print Name                                     Signature                       Date




                                                                                         17
THE LAW OFFICE OF THOMAS J. SHERWOOD 11524 EAST US HIGHWAY 92 SUIITE 300
SEFFNER, FLORIDA 33584 PHONE: (813) 246-5000 FAX: (813) 246-5550


                                  POWER OF ATTORNEY
DATE: __________________________________________

TO: ______________________________________________________________________________________________

RE: Account in the name of :

__________________________________________________________________________________________________

LOAN NUMBER: _______________________________________________________________________________

I/We ___________________________________________________________________ as the Principal(s) do hereby
appoint The Law Office of Thomas J. Sherwood and his designated agents Roxanna I
Rodriguez, Connie Adams, Nicole Dennewitz, Juan Pacheco (11524 East Highway 92 Suite 300;
Seffner, Florida 33584 (813) 246-5000 (877) 246-4486) as my/our ATTORNEY-IN-FACT with full
power and authority to perform each and every act which may be necessary or convenient to
execute the following tasks as fully and for all intents and purposes as I/we might or could do if
personally present, hereby ratifying and confirming all that my/our ATTORNEY-IN-FACT shall
lawfully do or cause to be done in my name or behalf, to wit:

TO INTERCEED, INTERVENE, MEDIATE, NEGOTIATE, OR ARBITRATE THE SETTLEMENT OF
ANY AND ALL OF MY/OUR REAL ESTATE FORECLOSURE WORK OUT, LOAN MODIFICATION,
WORKOUT SOLUTIONS,REAL ESTATE TRANSACTIONS, FINANCIAL INSTITUTION
TRANSACTIONS, PROPERTY INSURANCE, TANGIBLE PERSONAL PROPERTY TAXES. CREDITOR
CLAIMS, DISPUTES, SUITS, JUDGMENTS, OR LIENS.

NOTICE TO CEASE AND DESIST and REQUEST FOR DISCLOSURE
A. TO THIRD-PARTY COLLECTORS OR AGENTS: In accordance with the Fair Debt Collection
Practices Act, I/we demand and direct that you, and specifically any collection agency, attorney,
credit bureau, or any sub-agent thereof, are specifically instructed NOT TO COMMUNICATE WITH
ME/US BY ANY MEDIA AT MY/OUR PLACE OF EMPLOYMENT, PLACE OF BUSINESS, OR
RESIDENCE.
B. TO ORIGINAL CREDITORS and THIRD PARTY COLLECTORS, OR AGENTS THEREOF: I/we
demand all future communications on any credit matter to be directed to my/our ATTORNEY-IN-
FACT. Further, I/we demand that you contact my/our ATTORNEY-IN-FACT at the address and
phone set forth above to begin communications designed to settle any credit or debt claim you have
against me/us.

THE LAW OFFICE OF THOMAS J. SHERWOOD 11524 EAST US HIGHWAY 92 SUIITE 300
SEFFNER, FLORIDA 33584 PHONE: (813) 246-5000 FAX: (813) 246-5550




                                                                                                     18
C. NOTICE OF DUTY TO COMMUNICATE WITH ATTORNEY-IN-FACT: Be it further known and
understood that I/we hold the position that under the applicable State laws of agency, the Fair Debt
Collections Practice Act, and the Fair Credit Reporting Act that any failure or refusal by you to
recognize this power of attorney or to work with my/our ATTORNEY-IN-FACT in settlement of
payment or validity of debt on this account will constitute a refusal to work with me/us and, if you
so choose, you do so at your own risk of liability or forfeiture or rights.
D. AUTHORITY TO DISCLOSE INFORMATION: All persons directly or constructively in receipt of
this document, or any agent thereof, are specifically authorized to disclose, talk about, convey
documents to, or otherwise provide my/our ATTORNEY-IN-FACT, anything and any and all
information that they could or would otherwise provide or disclose to me/us including, but not
limited to, any personal or confidential information.
E. AUTHORITY TO ACCEPT COPY: I/we endorse the use of copies and/or facsimile transmissions
of this power of attorney or any other communication sent by me/us or my/our ATTORNEY-IN-
FACT.
F. REQUEST FOR DISCLOSURE OF INFORMATION: I/we dispute that I/we owe the amount
claimed by you as indicated by your records on the above-referenced account. However, this
document is not an admission of debt or a promise to pay. To facilitate settlement, I/We request
that the following information regarding the above-referenced account be forwarded as soon as
possible to my/our ATTORNEY-IN-FACT.


1. Date the account opened.
2. Copy of original credit contract.
3. Dates of all additions to principal owed and amounts thereof.
4. Copy of original signature of debtor for all transactions where credit, cash, or goods were
   given to debtor.



Signed: ______________________________________________            Date: _______________________


Signed: _____________________________________________             Date: _______________________




NOTARY SIGNATURE: ___________________________________________


                                                                   SEAL:______________________



COMMISSION EXPIRES: _________________________________________




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        REQUIRED DOCUMENTS - FAX TO: (813) 514-6415

   Hardship letter. (Please explain the reason(s) why and how you fell behind on your

    mortgage loan including date(s) and events).

   Your 2 most recent paycheck stubs.

   All pages of the last two months bank account statements. (Example- If current

    month is December we need November and October)

   1040 forms of your FEDERAL (Not State) tax return for 2009 and 2010 with page 2

    signed and dated. Include your W2 forms.

   Proof of other income such as SSI, income, child support.(award letters, divorce

    decree)

   One mortgage statement. (any month)

   Proof of Contribution. (If you receive money from family on a regular basis, please

    explain how you are related and what amount you receive each month.)

   Current utility bill + property tax bill + homeowner’s insurance bill + HOA bill

   If self-employed also include: Profit and loss statements and bank statements for the

    past 6 months

   This client agreement including all required signatures

   ANY AND ALL DOCUMENTS YOU HAVE RECEIVED FROM YOUR MORTGAGE

    COMPANY OR FORECLOSING ATTORNEY.




Date: ________________________   Signature:_______________________________________________________




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