i I amaparalegal at Bendett & McHugh, PC, Attorneys for the Plaintiff in the
`
`above-referenced action.
`
`
`
`
`
`
`
`
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`Bendett&McHugh.P.C.,270FarmingionAvenue,Suite151,Farmington,CT06032+TEL(860)677-2868«TOD:TYYPLEASEFIRSTDIAL.71}
`
`
`
`
`
`
`
`WELLS FARGO BANK, NA
`
`VS
`
`CARASONE,LOUISEA., ET AL
`
`:
`
`:
`
`:
`
`SUPERIOR COURT
`
`J.D. OF ANSONIA/MILFORD
`
`AT MILFORD
`
`Affidavit of Compliance with the Emergency Mortgage Assistance Program
`(Public Act 8-176)
`
`L, Victoria F. Price, being of lawful age and being first duly sworn on oath, state and
`deposeas follows:
`
` DOCKET NO: AAN-CV-17-6023060-S
`
`Upon information andbelief, the Plaintiff has complied with the provisions of
`2
`Connecticut General Statutes Section 8-265ee(a) (also knownas Public Act 08-176, §7) by its
`servicer giving to Louise A. Carasone and Joseph John Carasone, the mortgagors on August 15,
`2016 at 16 Paramount Drive, Seymour, CT 06483 by registered or certified mail a notice (the
`“Notice”) containingall of the information required by that subsection; a copy of said Notice is
`affixed hereto (with all personal information redacted pursuant to Practice Book Section 4-7).
`
`More than sixty days have passed since the date of said notice, and Bendett &
`3.
`McHugh, PC/hasverified by direct inquiry with the Connecticut Housing Finance Authority
`(“CHFA”) shat
`no mortgagor submitted an application for assistance to CHFA pursuant to
`Connecticut General Statutes Section 8-265ee within the 60 day period after said notice was
`given or
`
`RO32416
`
`EMAPAffidiavit - Docket no. AAN-CV-17-6023060-S - Page 1 of 2
`
`

`

`
`
`
`
`
`
`
`
`Bendett&McHugh,P.C.,276FarmingtonAvenue,Suite15],Farmington,CT06032«TEL(860)677-2868«TDD/TYYPLEASEFIRSTDIAL711
`
`
`
`
`
`
`
`
`
`C] CHFAdenied the application for assistance that had been submitted.
`
`Further Affiant sayeth not.
`
`Dated:
`
`NOV 01 2017
`
`Employer: Bendett & McHugh, PC
`
`A,
`
`7
`
`fe ,
`
`Apple ne
`
`
`ictoria F. Price, Paralegal
`
`Subscribed and sworn to before me at Farmington, CT, on Moved,of
`
`, 20V7;
`
`
`
`Dominick Neveux |
`Commissioner of the Superior Court
`
`Document # 11971699.docx
`2337FC-20171778
`
`
`
`RO032416
`
`EMAPAffidiavit - Docket no. AAN-CV-17-6023060-S - Page 2 of 2
`
`

`

`Wells Fargo Home Mortgage
`
`Temecula, CA 92589-9065
`
`POBox9066
`
`|
`
`|
`
`|
`
`9314 7100 1170 0474 4146 Ob
`
`RETURN RECEIPT REQUESTED
`
`PRESORT
`
`First-Ciass Mail
`U.S. Postage and
`Fees Paid
`WSO
`
`Send Payments to:
`Walls Fargo Home Mortgage
`1200 W 7th Street, Suite L2-200
`Los Angeles, CA 90017
`
`Send G
`che
`to:
`Sond eestiee
`Written Customer Contact
`P.O. Box 10338
`Des Moines, IA 50306
`
`20160815-67
`
`af JfoELUEpapUpetpUbocascDfeg{UpOfater] EMU fal] fogegg LUTE.
`LOUISE A CARASONE
`16 PARAMOUNT DR
`SEYMOUR, CT 06483-3018
`
`
`
`DAY30
`
`

`

`Temecula, CA 92589-9065
`
`Wells Fargo Home Mortgage
`PO Box 9065
`
`pest6)
`
`Return Address ouly
`Do not send payments to this address
`
`August 15, 2016
`
`LOUISE A CARASONE
`16 PARAMOUNT DR
`SEYMOUR,CT 06483-3018
`
`Subject: Loan numberaaa.
`Dear LOUISE A CARASONE:
`Our records indicate that your loan is in default for failure to make payments due. Unless the payments on your loan
`can be brought current by October 19, 2016, it will become necessary to require immediate payment in fall (also called
`acceleration) of your Mortgage Note and pursue the remedies provided for in your Mortgage or Deed of Trust, which
`include foreclosure.
`
`To cure the default you must pay the total delinquency against your account, which as of today's date is:
`
`Past Due Payments
`Late Charge Balance
`Other Fees
`Unapplied Funds
`Total Delinquency as of August 15, 2016
`
`$2,849.94
`$57.00
`$0.00
`-$0.00
`$2,906.94
`
`to Wells Fargo
`To avoid the possibility of acceleration, you must pay this amount on or before October 19, 2016,
`Home Mortgage, 3440 Flair Drive, El Monte, CA 91731.
`For the Joan to be current and not in default, any
`additional monthly payments, late charges and other charges that may be due underthe note, mortgage and applicable
`law after the date of this notice must also be paid.
`
`If funds are not received by the above referenced date, we will proceed with acceleration. Once acceleration has
`occurred, we maytake steps to terminate your ownership in the property by a foreclosure proceeding, which could
`result in Lender or another person acquiring ownership ofthe property. If foreclosure is initiated, you have the night to
`assert in the foreclosure proceeding, or to bring a court action to assert, the non-existence of a default, to argue that you
`did keep your promises and agreements under the Mortgage Note and Mortgage, and to present any other defenses that
`you mayhave.
`
`You have the right to reinstate your Mortgage Note and Mortgage or Deed of Trust after acceleration, and to have
`enforcement of the Mortgage discontinued and to have the Mortgage Note and Mortgage remain fully effective as if
`acceleration had never been. required. However, any future negotiations attempting to reinstate your loan or any
`paymentofless than the full amountdue shall not require Wells Fargo Bank, N.A.'s waiver of the acceleration unless
`otherwise agreed to, in writing, by Wells Fargo Bank, N.A..
`
`Weare required by federal Jaw to notify you of the availability of government approved home ownership counseling
`agencies designed to help homeowners avoid losing their home. To obtain a list of approved counseling agencies for
`yourstate please call 1-800-569-4287. We urge you to give this matter your immediateattention.
`
`Additional assistance options are available to you
`The state of Connecticut has assistance options available to you. For more information on the Emergency Mortgage
`Assistance Program or a Foreclosure by Market Sale please sce below.
`
`Emergency Mortgage Assistance Program
`Under the Connecticut Emergency Mortgage Assistance Program (EMAP”), you have until 10/19/2016 to have a face
`to face meeting with our representative, a telephone conference with Wells Fargo Bank, N.A, 1-877-275-2204 or other
`conference acceptable to Connecticut Housing Finance Authority (CHFA) or a face-to-face meeting with one of the
`CHFA designated consumer credit counseling agencies (sce attached list of agencies) to attempt
`to resolve the
`delinquency or default by restructuring the loan payment schedule or such other resolution.
`Page | of6
`Ree = Redacted Informestior1o0 3170 0878 4186 Ob
`
`

`

`You also have until 10/19/2016 to contact CHFA to obtain information and apply for emergency mortgage assistance
`payments if you and Wells Fargo Bank, N.A.
`are unable to resolve the delinquency or default. The address for CHFA
`is 999 West Street, Rocky Hill, Connecticut 06067. The CHFA telephone number is 1-860-721-9501 and their fax
`numberis 1-860-571-4352.
`
`Failure to meet or have a telephone conference with Wells Fargo Bank, N.A. 1-877-275-2204 or a designated consumer
`credit counseling agency orif you do not contact the CHFA and apply for emergency mortgage assistance within thirty
`(30) days of any default in payment under an agreement to resolve the delinquency or default, foreclosure of your
`mortgage may continue without further restriction or requirement.
`
`Foreclosure by Market Sale
`You have the option to contact Wells Fargo Bank, N.A. to discuss whether your property may, by mutual consent of
`both you and Wells Fargo Bank, N.A., (the “parties"), be marketed for sale pursuant to a listing agreement with a real
`estate agent. This option is known as “foreclosure by market sale”.
`
`If you are interested in pursuing a foreclosure by market sale, you should contact a licensed real estate agent to discuss
`the feasibility of listing the property for sale pursuant to the foreclosure by market sale process. The terms and
`conditions of the listing agreement, including the duration and listing price, must be acceptable to both you and Wells
`Fargo Bank, N.A..
`
`If both you and Wells Fargo Bank, N.A. agree to proceed with further discussions concerning an acceptablelisting
`agreement, you must first permit an appraisal to be obtained for purposes of verifying eligibility for foreclosure by
`market sale. This appraisal will require both an interior and exterior inspection of the property.
`
`The terms and conditions of any offer to purchase, including the purchase price and any contingencies, must be
`acceptable to both you and Wells Fargo Bank, N.A.. If an acceptable offer is received, you must sign an agreement to
`sell the property through a foreclosure by marketsale.
`
`To pursue a foreclosure by market sale, you must send written confirmation of your interest by 10/19/2016 to Wells
`Fargo Bank, N.A.by either fax, mail, or email.
`
`Wells Fargo Bank, N.A.
`P.O. Box 10335
`Des Moines JA 50306
`1-866-278-1179
`
`CTimarketsale@@wellsfareo.com
`
`Please include your name,preferred contact information and loan number. Your loan numberLD
`
`Once wereceive your request to pursue a foreclosure by market sale, we'll send you a confirmation notice.
`
`Please note: Foreclosure by Market Sale is not available to all loan types. Please contact Wells Fargo Bank, N.A. at
`1-877-275-2204 to determine if your loantypeis eligible for this assistance option,
`
`If you have any questions regardingthis letter, please contact us at 1-877-275-2204,
`
`Please note, if you consent to a foreclosure by market sale, you will not be eligible for foreclosure mediation in
`any type of foreclosure action that is commenced following the giving of such consent.
`
`Sincerely,
`
`Default Management Department
`Wells Fargo Home Mortgage
`
`Where appropriate, Wells Fargo Home Mortgage is required to inform you that, as your account servicer, we are
`attempting to collect a debt, and any information obtained will be used for that purpose, However, if you are a
`customer involved in an active bankruptcy case or you receiveda discharge in a bankruptcy case where the account was
`not otherwise reaffirmed or excepted from discharge,
`then this notice is being provided to you for informational
`purposes only, and this is not a bill or a request for paymentas to any such customer(s).
`
`Page 2 of 6
`
`9344 7100 1170 0876 41ldb Ob
`
`

`

`Wells Fargo Bank, N.A. cannot dispense tax or legal advice. Please consult a tax advisor and/or attorney regarding any
`consequences associated with a short sale or deed in licu of foreclosure, sometimesreferred to as a Mortgage Release.
`
`Page 3 of 6
`
`9344 7200 1170 0878 4¥18b Ob
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`

`

`FORECLOSURE MEDIATION
`NOTICE OF COMMUNITY-BASED
`RESOURCES
`JD-CV-126 Rev. 7-16
`C.G.8. § 49-317
`
`STATE OF CONNECTICUT
`SUPERIOR COURT
`i i #
`JUDIGIAL BRANCH
`%
`ee Sp
`wwwjud.ct.gov eg
`
`
`ADA NOTICE
`The Judicial Branch of the State of Connecticul
`
`
`complies with the Americans with Disabilities Act
`
`
`If you nead a reasonable accommodation in
`(ADA).
`accordance with the ADA, contact a court clerk or an
`
`
`ADA contact person listed at www.jud.ci.gowADA.
`
`State of Connecticut Department of BankingForeclosure Hotline Bulletin
`Community-Based Resources for Connecticut Homeownersin Foreclosure
`Note: Assistancein multiple languages isavailable through Connecticut Housing Finance Authority (CHFA/HUD)-approved
`housing counseling agencies (refer to the list below). Ayuda en Espafil es disponible a través de agencias deconsejeria de
`vivienda aprobado por CHFA/HUD(favorde referirse a la lista de abajo).
`Toll-free Mortgage Foreclosure Assistance Hotline: 1-877-472-8313
`Department of Banking Website: www.ct.gov/dob
`Thefree Foreclosure Hotline is open Monday-Friday 8:00 a.m. to 5:00 p.m. Calls will be returned within two business days.
`Homeowners whoare currently a party to a foreclosure action with time sensitive foreclosure concerns should call the Hotline
`for assistance. You can also reach the Department of Banking by calling 1-800-831-7225 (toll-free) or 860-240-8299.
`Mortgage Assistance from the Connecticut Housing Finance Authority (CHFA)
`The Connecticut Housing Finance Authority administers the state's Emergency Mortgage Assistance Program (EMAP)
`which was created by the Connecticut General Assembly. EMAPcanhelp eligible homeowners with overdue payments and
`provide monthly mortgage assistance. For more information, contact a CHFA/HUD-approved housing counseling agency
`(listed below), call CHFA at 1-877-571-2432, orvisit www.chfa,org.
`
`CHFA/HUD-Approved Housing Counselors:
`CHFA/HUD-approved housing counselors provide free help to Connecticut homeowners who are struggling financially and
`maybe atrisk of foreclosure. They can review your budget andtry to find ways to help with your financial issues. They are
`trained in handling FHA and "conventional" loans and can help you negotiate with your mortgage companyor applyto CHFA
`for an Emergency Mortgage Assistanceloan.If a foreclosure case has beenfiled against you and you have asked to
`participate in the Foreclosure Mediation Program, they can help youget ready for mediation (including the Premediation
`meetings with your mediator) and help you submit financial documents to your mortgage company as part of the mediation
`pracess, GHFA/HUD approved housing counselors welcomeresidents from all over Connecticut. You do not need to
`go to the agency closest to you.
`
`
`f
`
`|
`
`
`
`
`
`County
`
`|
`
`Hartford
`
`Phone
`CHFA/HUD-Approved Housing Counseling Agency
`Bridgeport Neighborhood Trust, 570 State Street, Bridgeport
`ww,batweb.org
`gtsheutmss
`Fairfield
`
`
`Community Renewal Team, 395 Wethersfield Avenue, Hartford
`360-560-5880
`
`Www, orted org
`— —
`ogtetra Housing Services of New Britain, 223 Broad Street, New Britain
`860-224-2433
`
`Neighborhood Housing Services of New Haven, 333 Sherman Avenue, New Haven
`203-777-6925
`wd
`newhaven.org
`
`Capital for Change,Inc., 171 Orange Street, New Haven
`pee www,Qnhcitorg
`
`Neighborhood Housing Services of Waterbury, 161 North Main Street, Waterbury
`wwwnhswaterbury.org (serves Waterbury, Naugatuck, Torrington, and all of Northwest CT)
`
`203-624-7406
`
`203-753-1896
`
`Page 5 of 6
`
`9ai4 7100 1170 0474 4¥1db Ob
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`

`

`Legal Resources
`Foreclosure Prevention Clinics: The Connecticut Fair Housing Center and the Department of Banking presentfree
`clinics for homeownersin foreclosure. The clinics offer information on the foreclosure process and on preparing for court
`from a Centerattorney, and on resources for homeowners fram the Department of Banking, After the presentations,
`homeowners can talk abouttheir situations one-on-one with volunteer attorneys and paralegals. When scheduled in
`Hartford County, the clinic is held on the 3rd Tuesday evening of the month andis run by the Connecticut Fair Housing
`Center and the University of Hartford Paralegal Studies Program. When scheduled in Fairfield County,the clinic is held
`on the 3rd Wednesday evening of the month, andis run by the Connecticut Fair Housing Center and Homes Saved By
`Faith. The Fairfield County clinics are sponsored by the mayors of Bridgeport, Stamford, and Norwalk. Call 1-888-247-4401
`or visit www.ctfairhousing.org for moreinformation.
`Judicial Branch ForeclosureVolunteer Attorney Program: Volunteer attorneys are available to give advice and
`answer questions about foreclosure at certain courthouses In the state. Homeowners facing foreclosure throughout
`Connecticut are welcometo attend. Call 860-263-2734 for additional information, or visit
`httojud.ct.gev/volunteer_attyprgm.btm.
`Foreclosure Manual for Self-Represented Homeowners: The Connecticut Fair Housing Center publishes
`“Representing Yourself in Foreclosure: A Guide for Connecticut Homeowners,” a free. manual describing the foreclosure and
`mediation process for self-represented homeowners. Copies are available from CHFA/HUD-appraved housing counselors,
`on www.ctfairhousing.org, or by calling the Center at 1-888-247-4401.
`Statewide Legal Services (SLS): SLS provides free legal advice and referrals for callers qualifying forits services
`(guidelines include incomelimits). Call 1-800-453-3320 or860-344-0380 orvisit www.slsct.org for more information.
`Court Service Centers: In certain Superior Court locations, Court Service Centers provide public access computers,
`printers, fax machines, copiers, phones, and work space for self-represented parties. Refer to www.jud.ct.gov, and goto
`the Quick Links menu on the home pageof the Judicial website for more information.
`LawyerReferral Services: County Bar Associationsin Connecticut offer referral services that introduce homeowners to
`lawyers who can answerquestions during an initial half-hour consultation. You can send an email with your questions and
`availability. Services beyond the 1st half-hour fee will be at the attorney's usual fee.
`
`=
`_
`ai
`sos
`
`County
`Website
`Phone fe |
`Email
`
`$35
`fcba@conversent.net
`Fairfield
`|
`203-335-4116
`
`heba@hartfordbar.org
`$25
`Hartford*
`|
`860-525-6052
`
`
`New Haven
`203-562-5750
`v
`| NHCBAinfo@newhavenbar.org
`$25
`wi
`Org
`| See websiteforcontact form
`|
`New London_| _—_
`860-889-9384
`*The Hartford County Bar also covers Litchfield, Middlesex, Tolland, and Windham Counties.
`
`
`
`
`
`me
`
`How Foreclosure Rescue Scams Work. Peoplein foreclosure are often the target of “foreclosure rescue scams.”
`Bevery careful of non-lawyers who ask you to pay a fee far counseling, loan madification, foreclosure prevention, or a
`“forensic audit" of your loan documents, regardless of their promises or claims. Many out-of-state attorneys target
`Connecticut residents: you should never pay attorneys that you do not meet. Contact the Department of Banking for more
`information at 1-877-472-8313 or visit www. preventloanscams.org.
`
`Mortgage Crisis Job Training Program. Thestate-funded Mortgage Crisis Job Training Program is a project of The
`WorkPlace,Inc., in partnership with the Connecticut Housing Finance Authority (CHFA), Capital Workforce Partners, and
`Connecticut's workforce system. The Program helps homeownersIncrease their job skills and earning potential. It offers
`customized employmentservices, job training scholarships,financial literacy, and credit counseling. Forinformation call
`
`Financial Assistance Programs. Connecticut's 12 Community Action Agencies (CAAs) help people meet immediate
`needs through services such as Eviction and Foreclosure Prevention, energy/heating assistance, food pantries, and
`weatherization. CAAs also empowerpeople to improvetheir financial future through employment services,financialliteracy
`training, and other programs. To locate your local CAA call the Connecticut Association for Community Action at
`860-832-9438orvisit: www.cafca.org/our-network.
`For more information on programs for homeownersfacingfinancial distress, review the Departmentof Banking's materials on
`www.ct.gov/dob or call 1-877-472-8313. You can also call Info line at 2-1-1 for resources,
`
`JD-GV-126. Rev. 7-16
`
`Page 2 of 2
`
`Page 6 of 6
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`9314 7100 2170 0878 4lab Ob
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`

`

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`August20, 2016 , 10:26 am
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`Delivered, Left with
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`SEYMOUR,CT 06483
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`

`CERTIFICATION
`
`I herebycertify that a copy of the above was mailed orelectronically delivered on
`Noweatber zs
`,2017
`to all counsel and prose parties ofrecord and that written consent
`
`for electronic delivery was received from all counsel and pro se parties of record who were
`electronically served, as follows:
`
`Louise A. Carasone
`71 Newfield Avenue, Apt. 63
`Waterbury, CT 06708
`
`Joseph John Carasone
`16 Paramount Drive
`Seymour, CT 06483
`
`
`
`
`
`
`B.Gray
`the $uperior Court
`
` a
`
`Commissio
`
`
`
`
`
`
`
`
`
`
`
`Bendett&McHugh,P.C.,270FarmingtonAvenue,Suite151,Farmington,CT06032+TEL(860)677-2868¢TDD/TYYPLEASEFIRSTDIAI.711
`
`
`
`
`
`
`
`
`
`
`
`