Homeowner Legal Assistance Application

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					  Homeowner Legal
Assistance Application

    Review Entire Application

    Complete the Application
    and All Included Forms

    Accurately Fill in the
    Financial Worksheet

    Fax back to your counselor

    Retain a copy for your
                                    Borrower and Loan Eligibility

A mortgage loan may be eligible if it is a Fannie Mae portfolio mortgage loan or MBS pool mortgage loan
guaranteed by Fannie Mae and all of the following criteria are met:

  The mortgage loan is a first lien conventional mortgage loan originated on or before January 1, 2009. Jumbo-
conforming mortgage loans are eligible.

  The mortgage loan has not been previously modified.

  The mortgage loan is delinquent or default is reasonably foreseeable; mortgage loans currently in foreclosure
are eligible.

  The mortgage loan is secured by a one- to four-unit property, one unit of which is the borrower’s principal
residence. Cooperative share mortgages and mortgage loans secured by condominium units are eligible. Loans
secured by manufactured housing units are eligible.

  The property securing the mortgage loan must not be vacant or condemned.

  The borrower documents a financial hardship and represents that (s)he does not have sufficient liquid assets to
make the monthly mortgage payments by completing a Hardship Affidavit and provides the required income
documentation. The documentation supporting income may not be more than 90 days old. (as of the date the
servicer is determining eligibility).

  The borrower currently has a monthly mortgage payment ratio greater than 31 percent.

  A borrower in active litigation regarding the mortgage loan is eligible.

  The servicer may not require a borrower to waive legal rights as a condition.

  A borrower actively involved in a bankruptcy proceeding is eligible at the servicer’s discretion. Borrowers who
have received a Chapter 7 bankruptcy discharge in a case involving the first lien mortgage who did not reaffirm
the mortgage debt under applicable law are eligible.

   The borrower agrees to set up an escrow account for taxes, hazard, and flood insurance prior to the beginning
of the trial period if one does not currently exist.

  Mortgage loans subject to full lender recourse, including MBS pool mortgage loans and portfolio mortgage
loans are ineligible for the Fannie Mae HAMP. However, servicers should consider these mortgage loans for the
non-GSE program.

  Borrowers may be accepted into the program if the Home Affordable Modification Trial Period Plan is in the
servicer’s possession on or before December 31, 2012.

Note: Mortgage loans insured, guaranteed or held by a federal government agency (e.g., FHA, HUD, VA
and Rural Development) may be eligible in the future and will be subject to guidance issued by the
applicable agency.

* This summary is intended for reference only. All criteria are subject to the formal terms and conditions of the Fannie Mae Servicing Guide as
amended by Announcement 09-05R. In the event of any conflict with this document, the Servicing Guide will govern.

Homeowner Legal Assistance Application                                                                          CONFIDENTIAL
                                About The Process

 Qualification:                                 What to Expect?
 Due to new federal guidelines, you may         After you have completed the required forms
 qualify for a loan mitigation. A summary of    and supplied the necessary documents, your
 the guidelines have been included but this     file is submitted for review and processing.
 summary is intended for reference only. All
 criteria are subject to the formal terms and       · Receive verification email and phone call from
 conditions of the Fannie Mae Servicing                 the opening department within 48-72 hours.
 Guide as amended by Announcement 09-               · Receive a Welcome Package via email
 05R. In the event of any conflict with this
 document, the Servicing Guide will govern.         · Be issued a user name and password to our
 There is no guarantee to the actions of a              online tracking system.
 lender or servicer.                                · Be notified of any additional documentation
                                                        necessary for the process of your file.

 Program Requirements:                              · Depending on the lender, 20 to 90 days can be
                                                        expected for additional correspondence from
 Any fees arranged will be taken directly               the lender. Completion resolutions timelines
 from an attorney. You are NOT Permitted
 to compensate any counselor. The                   · Keep in mind that many requested items are time
 attorney will be responsible for servicing             sensitive. Please respond in timely manner.
 your needs as per the attached retainer
                                                    · Failure to send in requested documents in timely
 agreement. You have options in regards                 manner will cause delays in processing
 to any lawyer that you choose to attain.
 Nothing provided by anyone other than          There can be no guarantee of your potential
 your attorney should be construed as legal     payment or interest rate. Any example given
 advice.                                        to you is for illustrative purposes only. The
                                                attorney will do the best possible job to
                                                ensure you get the best rate, payment and
 Disclaimer:                                    program possible.
 PAYMENTS UNTIL SUCH TIME AS A                  Right of Rescission:
 MITIGATION SOLUTION IS APPROVED.               Once enrolled if for any reason you are
 How can the HLAA help you?
 IT IS NEVER ADVISABLE TO STOP                  unhappy with the service you have 5 days to
 Below is a repeat – delete or change
 MAKING MORTGAGE PAYMENTS                       back out with a full refund. After the 5 day
 HLAA works with attorneys who specialize
 WHEN YOU ARE ABLE TO CONTINUE                  period, prorated refunds can be arranged
 in real estate, mortgage & foreclosure law.
 TO MAKE THEM. FAILING TO MAKE                  when justified.
 The mortgage crisis is overwhelming in the
 country. Unfortunately attorneys cannot
 contact everyone directly to inform them of
 CHARGES, LEGAL FEES, ADDITIONAL                You must keep us informed . . .
 their options and rights. The HLAA collects
 Upinformation in order to allow attorneys
 PLEASE ADVISE THIS OFFICE                              · If you change your address
 to keep costs down and give you
 IMMEDIATELY IF YOU ARE UNABLE TO                       · If your financial position changes
 the attention you need.
 CONTINUE TO MAKE YOUR                                  · Any correspondence from lender
                                                * Failure to update may result in processing issues.

Homeowner Legal Assistance Application                                          CONFIDENTIAL
                                  Preliminary Checklist

   For acceptance please complete the following:
   Attorney’s Retainer Agreement (Signed and dated)

   Authorization (Signed and dated)

   Updated hardship letter (Signed and dated)

   Updated monthly financial work sheet (Mandatory)
          Note: This includes all expenses: cable, telephone, food, gas, etc.

   2 Most Recent Mortgage Statements (Mandatory)

   Request for Transcript of Tax Return: Form 4506-T (Mandatory)

  For submission to the Lender please complete the following:
         For each borrower who is a salaried employee:
             Copy of the most recent filed federal tax return with all schedules; and
             Copy of the two most recent pay stubs.
         For each borrower who is self-employed:
             Copy of the most recent filed federal tax return with all schedules, and
             Copy of the most recent quarterly or year-to-date profit/loss statement.
         For each borrower who has income such as social security, disability or death benefits,
         pension, public assistance, or unemployment:
             Copy of most recent federal tax return with all schedules and W-2 or copies of two most recent
             bank statements.
             Copy of benefits statement or letter from the provider that states the amount, frequency and
             duration of the benefit. Social security, disability, death or pension benefits must continue for at
             least 3 years to be considered qualifying income under this program. Public assistance or
             unemployment benefits must continue for at least 9 months to be considered qualifying income
             under this program.
         For each borrower who is relying on alimony or child support as qualifying income:
             Copy of divorce decree, separation agreement or other written agreement or decree that states
             the amount of the alimony or child support and period of time over which it will be received.
             Payments must continue for at least 3 years to be considered qualifying income under this
             Proof of full, regular and timely payments; for example deposit slips, bank statements, court
             verification or filed federal tax return with all schedules.
         For each borrower who has rental income:
             Copies of most recent two years filed federal tax returns with all schedules, including Schedule
             E—Supplement Income and Loss. Rental income for qualifying purposes will be 75% of the
             gross rent.

         Most recent Utility Bill or Proof of Primary Residence

         Any recent bank or legal correspondence!


Homeowner Legal Assistance Application                                                    CONFIDENTIAL
                                              Client Application

  Personal Information:
  Please note all information provided is used for the sole purpose of the legal service you are applying
  for. It is essential for the favorable results of your case.

   Borrower                                                       Co Borrower
   Phone #:                                                       Phone #:
   Alt. Phone #:                                                  Alt. Phone #:
   Email Address:                                                 Email Address:
   Social Security #:                                             Social Security #:
   Date of Birth:                                                 Date of Birth:
   Mothers Maiden:                                                Mothers Maiden:

   Property Address

   Is this your Primary Residence (YN)?

  Loan(s) Information:
                                                 st                                                nd
                                                1 Loan                                             2    Loan (if any?)

  Lender Name:                                                       Lender Name:

  Loan Term ex. 30 yr, 40 yr:                                        Loan Term ex. 30 yr, 40 yr:

  Fixed or Adjustable:                                               Fixed or Adjustable:

  Original Int. Rate:                                                Original Int. Rate:

  Current Int. Rate:                                                 Current Int. Rate:

  Int. Only? (Y/N):                                                  Int. Only? (Y/N):

  Original Loan Amount:                                              Original Loan Amount:

  Date of Initial Loan:                                              Date of Initial Loan:

  Months Past Due (if any):                                          Months Past Due (if any):

   Are you currently in FORECLOSURE (YN)?

   * it is imperative that all legal correspondence be faxed in IMMEDIATELY!
   **Make sure it includes lawyer name and contact info representing the bank.

Homeowner Legal Assistance Application                                                       CONFIDENTIAL
Please answer questions listed below. Provide
financial information where appropriate.
                                                          Credit Card Debt (If Applicable)

                                            Yes (Y) or   Creditor Name                   Balance
                                            No (N)
Have you ever received a successful
modification before?

Are you currently employed?

If no, is someone going to be added to
your financial worksheet?

Do you currently have more than $5,000
in credit card / personal loan debt?

Are you an active member of the military?

Does your job require security clearance
with the federal government?

Was the mortgage loan originated before
January 1 , 2009?

Is the mortgage loan is secured by a 1 to
4 unit property?

The borrower has documentation showing
income that is less than 90 days old

The borrower will agree to set up a 3
month trial period if accepted into
                                                         Total Debt
What was the approximate date you
took out your mortgage?

                                                         Please be sure to add on all debts you
                                                         currently owe. Most unsecured debts are
                                                         manageable however it requires review and
                                                         approval. If your debts are manageable you
                                                         may qualify to be placed into a program that
                                                         will lower your monthly minimum payments ,
                                                         reduce your debt to 40 – 60 % of your original
                                                         balance , and reduce the term you are in debt
                                                         to approximately 3 years.

   Homeowner Legal Assistance Application                                       CONFIDENTIAL
                    Authorization to Release Information

LOAN#____________________                                  LOAN#___________________

I/We hereby authorize you to release David Galanter, Attorney at Law, and his associates,
Joshua Elias, and Jessica Robins, all information that they may require for the purpose of loss
mitigation services for the entire term of the loan.

Authorization is specifically granted to obtain any or all of the following items:

       (a)    Status of real estate taxes
       (b)    Status of homeowners insurance
       (c)    Status of any and all mortgages, including payoff amounts
       (d)    Verification of all employment
       (e)    Status of any and all judgments and liens
       (f)    Credit History

A photographic or carbon copy of this authorization (being photographic or electronically
Copy of the signature(s) of the undersigned may be deemed equivalent of the original.

Thank you,


______________________                   _________________              ____________________
        Name                                   Date                         Social Security #


_______________________                __________________                ____________________
     Name                                 Date                              Social Security #

Property Address:



Homeowner Legal Assistance Application                                         CONFIDENTIAL
                                                 Present Monthly Financial Worksheet
Primary Borrower:                                                         Secondary Borrower:
Income Source       W2                  1099            OTHER             Income Source W2                 1099              OTHER
Current Employment Status (circle all those that apply):                  Current Employment Status (circle all those that apply):
S/E       W2 Wage     Receive a     Unemployed   Retired       Disabled   S/E       W2 Wage    Receive a    Unemployed       Retired   Disabled
          Earner      1099          or Other                                        Earner     1099         or Other
      •     Gross Monthly Income                                                •     Gross Monthly Income
      •     Capital Appreciation                                                •     Capital Appreciation
      •     Retirement Income                                                   •     Retirement Income
      •     Social Security or Disability Income                                •     Social Security or Disability Income
      •     Alimony or Other Income                                             •     Alimony or Other Income
      •     Investment or Rental Income                                         •     Investment or Rental Income

TOTAL HOUSEHOLD INCOME                                                    TOTAL HOUSEHOLD INCOME

LIQUID ASSETS                                                             NON LIQUID ASSETS
      •     Savings + Checking Account (s)                                      •     Real Estate Properties Owned
      •     Investment Account (s)                                              •     Vehicles – Boats – Mobile Properties Owned
      •     Retirement Account (s)                                              •     Equipment + Jewelry
      •     CDs & Money Market Account (s)                                      •     Business Holdings

Homestead                                                                 Investment Properties
      •    First Mortgage                                                       •     Gross Mortgage Loans
      •    2nd Mortgage                                                         •     Gross Real Estate Taxes & Insurance
      •    Home Equity Line Of Credit                                           •     Maintenance & Security
      •    Any Other Possible Lien payments.                                    •     Utilities
           <Loans Against Homestead>                                            •     Other Investment Property Expenses
     •     Real Estate Taxes
     •     Home Maintenance / Security / Repair                           Utilities
     •     HOA                                                                •    Telephone
     •     Mortgage Insurance (MI, PMI, ETC)                                  •    Cell Phone(s)
     •     Hazard Insurance                                                   •    Electricity
     •     Other Home Owner Insurance (flood, etc)                            •    Gas / Oil
Liability Payments                                                            •    Water and Sewer
      •     Life – Health – Casualty insurance                                •    Cable / TV/ Internet / Satellite
      •     Medical – Dental - Hospitalization                            Basic Living Expenses
      •     Credit Card Payments                                                •  Food / Groceries
      •     Gym Membership Payments                                             •  Household Supplies / Utensils
      •     Student Loans                                                       •  Pet Food
      •     Liabilities – Co Signed For.                                        •  Child Care
      •     Credit Repair                                                       •  Clothing
      •     Education Related Expenses                                          •  Clothing Maintenance (Laundry / dry
    •    Child Support & Alimony Payments                                     •    Pet Care
    •    Judgments – Charge Offs - Collections                                •    Special Dietary Plans // Medication
    •    RE or Personal Taxes Owed.                                           •    Furniture &/or Repairs
    •    Fines & Fees Owed                                                Other Expenses
Transportation                                                                •       Entertainment
      •     Vehicle Payments                                                  •       Travel
      •     Vehicle Insurance                                                 •       Charitable Expenses
      •     Vehicle Maintenance                                               •       Club / Union Dues
      •     Gas – Fuel – Oil                                                  •       Dining Out
      •     Bus/taxi fare/ trains / etc.                                  Other

Print: _______________________________                     Sign: ________________________________                     Date: _______________

Print: _______________________________                     Sign: _________________________________                    Date: _______________

Homeowner Legal Assistance Application                                                                        CONFIDENTIAL
                           Attorney’s Retainer Agreement

  This    Agreement      is     made      and     entered   into    on   (date)  ___________        between
  __________________________________ hereinafter referred to as “Client”, and attorney: David Galanter,
  Attorney at Law with main offices located at: 1501 Broadway 22 Floor, NY, NY 10036, hereinafter referred to
  as “Counsel”.

  1. RETAINER: Client retains Counsel from the date of this Agreement until terminated as provided herein.
  Counsel will be retained by council to re-document and re-process your loan with lender thereof.

  2. NATURE OF SERVICES: The services to be rendered by Counsel under this agreement shall be those
  necessary for the following Loss Mitigation Services in the process of negotiation between a homeowner and
  the homeowner’s lender. Loss Mitigation works to improve mortgage terms for the homeowner that will prevent
  foreclosure. The measures used to pursue this outcome are more specifically described as follows:

  (A) Loss Mitigation Services with respect towards attempting to negotiate a
  “MODIFICATION”* on the property known as _______________________________.
  *A modification shall be deemed successful upon the occurrence of any of the following with respect to the
  Mortgage: (1) change in interest rate i.e. an adjustable rate to a fixed rate OR a decrease in a fixed rate; (2)
  change in term (length) of loan; (3) a forbearance agreement; (4) a workout /repayment plan; (5)
  waiver/capitalization of late charges or penalties and (6) principal reduction; (7) stopping or delaying the
  foreclosure process. All fees shall be deemed earned upon submission of loan mitigation request package to
  the lender , provided council diligently pursue the matter to conclusion .

  This agreement and representation is limited to the Loss Mitigation Services for the aforementioned client and
  real property or properties. This representation does not include appearances in court and answers of default
  for summons and complaint and overall representation in the overall foreclosure action, appeals from any
  judgments or orders of the court.


  3. EFFORT AND OUTCOME: Counsel agrees to use his best efforts in representing the Client in this matter;
  however, Client acknowledges that Counsel has given no assurances regarding the outcome of this or any

   A. By Counsel – Counsel reserves the right to withdraw from this matter if Client fails to honor this
       agreement or for any just reason as permitted or required under the appropriate Professional Code of this
       state or as permitted by the rules of whatever court is involved in Counsel’s representation of Client.
       Notification, in writing shall be made to Client.

   B.   By Client – Client reserves the right to terminate the representation for cause or without cause.
        Notification, in writing, shall be made to Counsel.

  A. This agreement shall be governed by the laws of this state and all parties agree to consent to the jurisdiction
  and venue of an appropriate court of subject matter jurisdiction located in New York. In the event litigation
  becomes necessary to adjudicate rights or responsibilities hereunder, Counsel shall be entitled to reasonable
  Attorneys fees and costs.

  B. This agreement contains the entire agreement of Counsel and Client covering this matter regarding fees
  and expenses to be paid relative hereto. This agreement shall be binding upon Counsel and Client and their
  respective heirs, executors, and Legal representatives.

Homeowner Legal Assistance Application                                                    CONFIDENTIAL
  C. In the event that the interests of Counsel and Client may or shall ever become adverse, Client
  acknowledges that Counsel has advised Client to seek the assistance of an outside attorney.

  Client acknowledges receipt of the “Statement of Client’s Rights and Responsibilities” annexed hereto.

IN WITNESS WHEREOF the parties hereto have set their hands and seals the day and year first above written.

         David Galanter, Esq. (Counsel)


Homeowner Legal Assistance Application                                                  CONFIDENTIAL
                                  Cease and Desist Letter


SECTION 805(A) (2) of the Fair Debt Collection Practices Act

Date: ____________________

To (Lender Name :) _____________________________

RE: LOAN NUMBER: ____________________________


The undersigned borrowers, as the obligors under that certain Note identified by the Loan Number provided
above, hereby notify the Lender that said borrowers are represented by the counsel through the law office of
David Galanter, Attorney at Law., and pursuant to the Federal Law above cited, all further communication, be it
oral or written, from the Lender to the borrowers, must now be made directly to the attorneys in David Galanter,
Attorney at Law’s legal department, at the address and contact number provide below, and that the Lender, its
officers, directors, employees, agents and contractors shall henceforth CEASE and DESIST from any further
direct communication with the borrowers, be it oral or written, and,

That the undersigned borrowers hereby authorize said David Galanter, Attorney at Law, its attorneys and its legal
department to seek civil damages and penalties against the Lender pursuant to Section 813 of Fair Debt
Collection Practices Act and to make application to the Commission pursuant to Section 814 of the Fair Debt
Collection Practices Act for the due enforcement of the provisions of the Fair Debt Collection Practices Act
immediately upon the first violation of the Fair Debt Collection Practices Act by the Lender, its officers, directors,
employees, agents and contractors and specifically, without limitation, of the Cease and Desist Order provided
hereby. All further correspondence regarding the above referenced matter shall be addressed to David Galanter,
Attorney at Law 1501 Broadway 22         Floor , NY , NY 10036 .

_________________________                                                  _______________________________

Borrower                                                                   Signature

_________________________                                                  ________________________________

Co-Borrower                                                                Signature

Homeowner Legal Assistance Application                                                      CONFIDENTIAL
                     Home Affordable Modification Program Hardship Affidavit

Borrower Name (first, middle, last): ___________________________________ Date of Birth: ________
Co-Borrower Name (first, middle, last): ________________________________ Date of Birth: ________
Property Street Address: ______________________________________________________________
Property City, ST, Zip: ______________________________________________________________
Servicer:                 ______________________________________________________________
Loan Number:             ______________________________________________________________

In order to qualify for _____________________________’s (“Servicer”) offer to enter into an
agreement to modify my loan under the federal government’s Home Affordable Modification
Program (the “Agreement”), I/we am/are submitting this form to the Servicer and indicating by
my/our checkmarks (“9”) the one or more events that contribute to my/our difficulty making
payments on my/our mortgage loan.
 Borrower        Co-Borrower
Yes     No       Yes     No
                               My income has been reduced or lost. For example: unemployment,
                               underemployment, reduced job hours, reduced pay, or a decline in self-
                               employed business earnings. I have provided details below under
Yes     No     Yes    No
                               My household financial circumstances have changed. For example: death
                               in family, serious or chronic illness, permanent or short-term disability,
                               increased family responsibilities (adoption or birth of a child, taking care of
                               elderly relatives or other family members). I have provided details below
                               under “Explanation.”
Yes     No     Yes    No
                               My expenses have increased. For example: monthly mortgage payment
                               has increased or will increase, high medical and health-care costs,
                               uninsured losses (such as those due to fires or natural disasters),
                               unexpectedly high utility bills, increased real property taxes. I have provided
                               details below under “Explanation.”
Yes     No     Yes    No
                               My cash reserves are insufficient to maintain the payment on my mortgage
                               loan and cover basic living expenses at the same time. Cash reserves
                               include assets such as cash, savings, money market funds, marketable
                               stocks or bonds (excluding retirement accounts). Cash reserves do not
                               include assets that serve as an emergency fund (generally equal to three
                               times my monthly debt payments). I have provided details below under
Yes     No     Yes    No
                               My monthly debt payments are excessive, and I am overextended with my
                               creditors. I may have used credit cards, home equity loans or other credit to
                               make my monthly mortgage payments. I have provided details below under

Yes     No     Yes    No
                               There are other reasons I/we cannot make our mortgage payments. I have
                               provided details below under “Explanation.”

      Hardship Affidavit                              Page 1 of 4                                  April 2009
Information for Government Monitoring Purposes

The following information is requested by the federal government in order to monitor compliance with federal
statutes that prohibit discrimination in housing. You are not required to furnish this information, but are
encouraged to do so. The law provides that a lender or servicer may not discriminate either on the
basis of this information, or on whether you choose to furnish it. If you furnish the information, please
provide both ethnicity and race. For race, you may check more than one designation. If you do not furnish
ethnicity, race, or sex, the lender or servicer is required to note the information on the basis of visual
observation or surname if you have made this request for a loan modification in person. If you do not wish to
furnish the information, please check the box below.

BORROWER             I do not wish to furnish this information           CO-BORROWER      I do not wish to furnish this information

Ethnicity:           Hispanic or Latino                                  Ethnicity:        Hispanic or Latino
                     Not Hispanic or Latino                                                Not Hispanic or Latino

Race:               American Indian or Alaska Native                     Race:            American Indian or Alaska Native
                    Asian                                                                 Asian
                    Black or African American                                             Black or African American
                    Native Hawaiian or Other Pacific Islander                             Native Hawaiian or Other Pacific Islander
                    White                                                                 White

Sex:                Female                                               Sex:             Female
                    Male                                                                  Male

To be Completed by Interviewer           Interviewer’s Name (print or type)               Name/Address of Interviewer’s Employer

    Face-to-face interview               Interviewer’s Signature                 Date
    Telephone                            Interviewer’s Phone Number (include area code)

Borrower/Co-Borrower Acknowledgement

       1. Under penalty of perjury, I/we certify that all of the information in this affidavit is truthful and
          the event(s) identified above has/have contributed to my/our need to modify the terms of
          my/our mortgage loan.
       2. I/we understand and acknowledge the Servicer may investigate the accuracy of my/our
          statements, may require me/us to provide supporting documentation, and that knowingly
          submitting false information may violate Federal law.
       3. I/we understand the Servicer will pull a current credit report on all borrowers obligated on the
       4. I/we understand that if I/we have intentionally defaulted on my/our existing mortgage,
          engaged in fraud or misrepresented any fact(s) in connection with this Hardship Affidavit, or
          if I/we do not provide all of the required documentation, the Servicer may cancel the
          Agreement and may pursue foreclosure on my/our home.
       5. I/we certify that my/our property is owner-occupied and I/we have not received a
          condemnation notice.
       6. I/we certify that I/we am/are willing to commit to credit counseling if it is determined that
          my/our financial hardship is related to excessive debt.
       7. I/we certify that I/we am/are willing to provide all requested documents and to respond to all
          Servicer communication in a timely manner. I/we understand that time is of the essence.

       Hardship Affidavit                                        Page 2 of 4                                        April 2009
   8. I/we understand that the Servicer will use this information to evaluate my/our eligibility for a
      loan modification or other workout, but the Servicer is not obligated to offer me/us
      assistance based solely on the representations in this affidavit.
   9. I/we authorize and consent to Servicer disclosing to the U.S. Department of Treasury or
      other government agency, Fannie Mae and/or Freddie Mac any information provided by
      me/us or retained by Servicer in connection with the Home Affordable Modification Program.

_________________________ ___________               _________________________ ____________
Borrower Signature        Date                      Co-Borrower Signature     Date

E-mail Address: _______________________             E-mail Address: ________________________
Cell Phone # _________________________              Cell Phone # __________________________

Home Phone # _________________________              Home Phone #__________________________

Work Phone # _________________________              Work Phone # __________________________

Social Security # ____ ___ ____                     Social Security # ____ ___ ________

Explanation: ____________________________________________________________________________________
















   Hardship Affidavit                         Page 3 of 4                                 April 2009
























   Hardship Affidavit                      Page 4 of 4                              April 2009
                                                  Request for Transcript of Tax Return
Form    4506-T                             Do not sign this form unless all applicable lines have been completed.
                                                             Read the instructions on page 2.                                                  OMB No. 1545-1872
(Rev. January 2008)
Department of the Treasury
                                         Request may be rejected if the form is incomplete, illegible, or any required
Internal Revenue Service                                 line was blank at the time of signature.
Tip: Use Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can also call 1-800-829-1040 to
order a transcript. If you need a copy of your return, use Form 4506, Request for Copy of Tax Return. There is a fee to get a copy of your return.
 1a Name shown on tax return. If a joint return, enter the name shown first.                        1b First social security number on tax return or
                                                                                                       employer identification number (see instructions)

 2a If a joint return, enter spouse’s name shown on tax return                                      2b Second social security number if joint tax return

 3      Current name, address (including apt., room, or suite no.), city, state, and ZIP code

 4      Previous address shown on the last return filed if different from line 3

 5      If the transcript or tax information is to be mailed to a third party (such as a mortgage company), enter the third party’s name, address,
        and telephone number. The IRS has no control over what the third party does with the tax information.

Caution: DO NOT SIGN this form if a third party requires you to complete Form 4506-T, and lines 6 and 9 are blank.
 6      Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter only one tax
        form number per request.
     a Return Transcript, which includes most of the line items of a tax return as filed with the IRS. Transcripts are only available for
        the following returns: Form 1040 series, Form 1065, Form 1120, Form 1120A, Form 1120H, Form 1120L, and Form 1120S.
        Return transcripts are available for the current year and returns processed during the prior 3 processing years. Most requests
        will be processed within 10 business days

     b Account Transcript, which contains information on the financial status of the account, such as payments made on the account, penalty
       assessments, and adjustments made by you or the IRS after the return was filed. Return information is limited to items such as tax liability
       and estimated tax payments. Account transcripts are available for most returns. Most requests will be processed within 30 calendar days
     c Record of Account, which is a combination of line item information and later adjustments to the account. Available for current year
       and 3 prior tax years. Most requests will be processed within 30 calendar days
 7      Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Most requests will be processed
        within 10 business days
 8      Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includes data from
        these information returns. State or local information is not included with the Form W-2 information. The IRS may be able to provide this transcript
        information for up to 10 years. Information for the current year is generally not available until the year after it is filed with the IRS. For example,
        W-2 information for 2006, filed in 2007, will not be available from the IRS until 2008. If you need W-2 information for retirement purposes, you
        should contact the Social Security Administration at 1-800-772-1213. Most requests will be processed within 45 days
Caution: If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form 1099
filed with your return, you must use Form 4506 and request a copy of your return, which includes all attachments.
 9      Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than four
        years or periods, you must attach another Form 4506-T. For requests relating to quarterly tax returns, such as Form 941, you must enter
        each quarter or tax period separately.
               /         /                                      /         /                        /         /                                  /       /

Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the tax
information requested. If the request applies to a joint return, either husband or wife must sign. If signed by a corporate officer, partner,
guardian, tax matters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority to
execute Form 4506-T on behalf of the taxpayer.
                                                                                                                            Telephone number of taxpayer on
                                                                                                                            line 1a or 2a
                                                                                                                            (       )
               Signature (see instructions)                                                     Date
Here           Title (if line 1a above is a corporation, partnership, estate, or trust)

               Spouse’s signature                                                               Date

For Privacy Act and Paperwork Reduction Act Notice, see page 2.                                    Cat. No. 37667N                      Form   4506-T   (Rev. 1-2008)
Form 4506-T (Rev. 1-2008)                                                                                                                Page   2

General Instructions                                Chart for all other transcripts                   Partnerships. Generally, Form 4506-T
                                                                                                   can be signed by any person who was a
Purpose of form. Use Form 4506-T to                 If you lived in or      Mail or fax to the     member of the partnership during any part
request tax return information. You can             your business           “Internal Revenue      of the tax period requested on line 9.
also designate a third party to receive the         was in:                 Service” at:              All others. See Internal Revenue Code
information. See line 5.
                                                    Alabama, Alaska,                               section 6103(e) if the taxpayer has died, is
Tip. Use Form 4506, Request for Copy of             Arizona, Arkansas,                             insolvent, is a dissolved corporation, or if a
Tax Return, to request copies of tax                California, Colorado,                          trustee, guardian, executor, receiver, or
returns.                                            Florida, Georgia,                              administrator is acting for the taxpayer.
Where to file. Mail or fax Form 4506-T to           Hawaii, Idaho, Iowa,                           Documentation. For entities other than
the address below for the state you lived           Kansas, Louisiana,                             individuals, you must attach the
                                                    Minnesota,              RAIVS Team
in, or the state your business was in, when                                 P.O. Box 9941          authorization document. For example, this
that return was filed. There are two                Mississippi,                                   could be the letter from the principal officer
                                                    Missouri, Montana,      Mail Stop 6734
address charts: one for individual                                          Ogden, UT 84409        authorizing an employee of the corporation
transcripts (Form 1040 series and Form              Nebraska, Nevada,
                                                                                                   or the Letters Testamentary authorizing an
W-2) and one for all other transcripts.             New Mexico,
                                                                                                   individual to act for an estate.
                                                    North Dakota,
   If you are requesting more than one              Oklahoma, Oregon,
transcript or other product and the chart           South Dakota,
below shows two different RAIVS teams,              Tennessee, Texas,                              Privacy Act and Paperwork Reduction
send your request to the team based on              Utah, Washington,                              Act Notice. We ask for the information on
the address of your most recent return.             Wyoming, a foreign                             this form to establish your right to gain
                                                    country, or A.P.O. or                          access to the requested tax information
Note. You can also call 1-800-829-1040 to                                                          under the Internal Revenue Code. We need
request a transcript or get more                    F.P.O. address          801-620-6922
                                                                                                   this information to properly identify the tax
information.                                        Connecticut,                                   information and respond to your request.
                                                    Delaware, District of
                                                                                                   Sections 6103 and 6109 require you to
                                                    Columbia, Illinois,
Chart for individual                                Indiana, Kentucky,
                                                                                                   provide this information, including your
transcripts (Form 1040 series                                                                      SSN or EIN. If you do not provide this
                                                    Maine, Maryland,
                                                                                                   information, we may not be able to
and Form W-2)                                       Michigan, New           RAIVS Team             process your request. Providing false or
If you filed an             Mail or fax to the      Hampshire, New          P.O. Box 145500        fraudulent information may subject you to
individual return           “Internal Revenue       Jersey, New York,       Stop 2800 F            penalties.
and lived in:               Service” at:            North Carolina,         Cincinnati, OH 45250      Routine uses of this information include
                                                    Ohio, Pennsylvania,                            giving it to the Department of Justice for
District of Columbia,       RAIVS Team              Rhode Island, South                            civil and criminal litigation, and cities,
Maine, Maryland,            Stop 679                Carolina, Vermont,                             states, and the District of Columbia for use
Massachusetts,              Andover, MA 05501       Virginia, West                                 in administering their tax laws. We may
New Hampshire,                                      Virginia, Wisconsin     859-669-3592           also disclose this information to other
New York,
                                                                                                   countries under a tax treaty, to federal and
Vermont                     978-247-9255            Line 1b. Enter your employer identification    state agencies to enforce federal nontax
Alabama, Delaware,          RAIVS Team              number (EIN) if your request relates to a      criminal laws, or to federal law
Florida, Georgia,           P.O. Box 47-421         business return. Otherwise, enter the first    enforcement and intelligence agencies to
North Carolina,             Stop 91                 social security number (SSN) shown on the      combat terrorism.
Rhode Island,               Doraville, GA 30362     return. For example, if you are requesting        You are not required to provide the
South Carolina,                                     Form 1040 that includes Schedule C             information requested on a form that is
Virginia                    770-455-2335            (Form 1040), enter your SSN.                   subject to the Paperwork Reduction Act
Kentucky, Louisiana,        RAIVS Team              Line 6. Enter only one tax form number per     unless the form displays a valid OMB
Mississippi,                Stop 6716 AUSC          request.                                       control number. Books or records relating
Tennessee, Texas, a         Austin, TX 73301                                                       to a form or its instructions must be
foreign country, or                                 Signature and date. Form 4506-T must be        retained as long as their contents may
A.P.O. or F.P.O.                                    signed and dated by the taxpayer listed on     become material in the administration of
address                     512-460-2272            line 1a or 2a. If you completed line 5         any Internal Revenue law. Generally, tax
Alaska, Arizona,            RAIVS Team              requesting the information be sent to a        returns and return information are
California, Colorado,       Stop 37106              third party, the IRS must receive Form         confidential, as required by section 6103.
Hawaii, Idaho, Iowa,        Fresno, CA 93888        4506-T within 60 days of the date signed          The time needed to complete and file
Kansas, Minnesota,                                  by the taxpayer or it will be rejected.        Form 4506-T will vary depending on
Montana, Nebraska,                                     Individuals. Transcripts of jointly filed   individual circumstances. The estimated
Nevada, New Mexico,                                 tax returns may be furnished to either         average time is: Learning about the law
North Dakota,                                       spouse. Only one signature is required.        or the form, 10 min.; Preparing the form,
Oklahoma, Oregon,                                   Sign Form 4506-T exactly as your name          12 min.; and Copying, assembling, and
South Dakota, Utah,                                 appeared on the original return. If you        sending the form to the IRS, 20 min.
Washington,                                         changed your name, also sign your current
Wisconsin, Wyoming          559-456-5876                                                              If you have comments concerning the
                                                    name.                                          accuracy of these time estimates or
Arkansas,                   RAIVS Team                 Corporations. Generally, Form 4506-T        suggestions for making Form 4506-T
Connecticut, Illinois,      Stop 6705–B41           can be signed by: (1) an officer having        simpler, we would be happy to hear from
Indiana, Michigan,          Kansas City, MO 64999   legal authority to bind the corporation, (2)   you. You can write to the Internal Revenue
Missouri, New                                       any person designated by the board of          Service, Tax Products Coordinating
Jersey, Ohio,                                       directors or other governing body, or (3)      Committee, SE:W:CAR:MP:T:T:SP, 1111
Pennsylvania,                                       any officer or employee on written request     Constitution Ave. NW, IR-6526,
West Virginia               816-292-6102            by any principal officer and attested to by    Washington, DC 20224. Do not send the
                                                    the secretary or other officer.                form to this address. Instead, see Where to
                                                                                                   file on this page.
                         Payment Form (Option One)







    Amount to be charged:

    Date to charged:

    I hereby authorize David Galanter, Attorney at Law to charge the above amount on my
    credit card for the legal fees I owe to David Galanter, Attorney at Law. I understand that
    this charge will appear as the Attorney on my bank statement.

   Authorized Signature _________________________ Date ____________

Homeowner Legal Assistance Application                                     CONFIDENTIAL
                         Payment Form (Option Two)






  Amount to be charged:

  Date to charged:

  I (we) hereby authorize David Galanter, Attorney at Law, hereinafter called COMPANY, to
  initiate debit entries and to initiate, if necessary, credit entries and adjustments for any
  debit entries in error to my (our) Regular Checking Account Regular Saving Account
  (select one) indicated below at the depository named below, hereinafter called
  DEPOSITORY, to debit and/or credit: the same to such account

  For my benefit and convenience, Company is hereby authorized to debit my account by
  the Company in its: ACH agreement. This authority is to remain in full force and effect until
  COMPANY has received written notification from me (or either of us) of its termination in
  such time and in such manner as to afford COMPANY and DEPOSITORY a reasonable
  opportunity to act on it.

  Authorized Signature _________________________ Date ____________

Homeowner Legal Assistance Application                                      CONFIDENTIAL
                                         Refund Policy

Rescission Period:
Clients have a 3 day right of rescission on any file. This allows every client the right to request
a FULL refund within 3 days of payment for a FULL refund with no questions asked.

Pre Submission (after 3 day right of rescission):
If we do not submit your file due to missing documents and you are unhappy with our service
we will provide you with a 50% refund. If a file is incomplete and substandard due to
negligence on our part you will receive a 100% refund! _Keep in mind while the company will
attempt to collect documents in a reasonable fashion it is the responsibility of the client to
provide the documents in a timely manner. Failure to provide documents in a timely manner
may inhibit a refund request.

Post Submission:
Once your file is submitted to the lender in a complete format, which can be documented to the
client, only a 25% refund will be issued. _We must be able to appropriately prove this to you
with your consent. If you do not consent to a complete file being submitted an arbitration
session will have to be set. Arbitration session may take up to 2 weeks to schedule.

Initial File Denial:
There is the possibility that a client will be denied before processing by the company due to
assumed ineligibility. A denial should not be construed as indicative of a comprehensive or
legal decision. There may still be the chance of acceptance by another organization or lender.
A file denial would be received within 5 days of submission and will receive a 100% refund.

       Authorized Signature _________________________ Date ____________

Homeowner Legal Assistance Application                                       CONFIDENTIAL