Claim-suit Wells Fargo - Yocke
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IN THE IOWA DISTRICT COURT FOR DUBUQUE COUNTY
WELLS FARGO BANK, N.A., SUCCESSOR
BY MERGER WITH WELLS FARGO
HOME MORTGAGE, INC. F/K/A
NORWEST MORTGAGE, INC.,
EQUITY NO. 0 / J J I E~ C \I Q '" C{
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Plaintiff,
ORIGINAL NOTICE
vs.
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DAVIDJ. YOCKEY, PATTY A. YOCKEY,
CITY OF DUBUQUE, and PARTIES IN
POSSESSION,
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Defendants.
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TO THE ABOVE-NAMED DEFENDANT: City of Dubuque
You are notified there was on the -"-- day of u~ L , 2004 filed in the office of
the Clerk of the above-named Court, a Petition, copies of which are attached hereto.
The Plaintiffs attorney is David M. Erickson, whose address is The Financial Center,
666 Walnut Street, Suite 2500, Des Moines, Iowa 50309-3993, Phone: (515) 288-2500,
Facsimile: (515) 243-0654.
You must, within 20 days after service of this Original Notice upon you, serve, and
within a reasonable time thereafter, file a motion or answer, in the Iowa District Court for
Dubuque County, at the county courthouse in Dubuque, Iowa. If you do not, judgment by
default may be rendered against you for the relief demanded in the petition.
#577658
If you require the assistance of auxiliary aids or services to participate in
court because of a disability, immediately call your district ADA coordinator
at 319-589-4446. (If you are hearing impaired, call Relay Iowa TTY at
1-800-735-2942.)
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Clerk of the above Court
Dubuque County Courthouse
Dubuque, Iowa
IMPORTANT
YOU ARE ADVISED TO SEEK LEGAL ADVICE AT ONCE TO PROTECT YOUR
INTERESTS.
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8:31AM
NO. 902
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IN THE row A DISTRICT COURT FOR DUBUQUE COUNTY g
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WELLS FARGO BANK, N-A., SUCCESSOR
BY MERGER WITH WELLS FARGO
HOME MORTGAGE, fNC. F/K/A
NORWEST MORTGAGE, INC.,
41.1458267
Plaintiff,
VS.
DAVID J. YOCKEY, P AnY A. YOCKEY,
CITY OF DUBUQUE, and PARTIES IN
POSSESSION,
Defendants.
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) FORECLOSURE PETITION
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NOTICE
THE PLAINTIFF HAS ELECTED FORECLOSURE WITHOUT REDEMPTION.
. THIS MEANS THAT THE SALE OF THE MORTGAGED PROPERTY WILL OCCUR
PROMPTLY AFTER ENTRY OF JUDGMENT UNLESS YOU FILE WITH THE
COURT A WRITTEN DEMAND TO DELAY THE SALE. IF YOU FILE A WRITTEN
DEMAND, THE SALE WILL BE DELAYED UNTIL SIX MONTHS FROM ENTRY OF
JUDGMENT IF THE MORTGAGED PROPERTY IS YOUR RESIDENCE AND IS A
ONE-FAMJLY OR TWO-FAMILY DWELLING OR UNTIL TWO MONTHS FROM
ENTRY OF JUDGMENT IF THE MORTGAGED PROPERTY IS NOT YOUR
RESIDENCE ORIS YOUR RESIDENCE BUT NOT A ONE-FAMILY OR TWO-
FAMILY DWELLING. YOU ',"'ILL HAVE NO RIGHT OF REDEMPTION AFTER
THE SALE. THE PtJRCHASERAT THE SALE WILL BE ENTITLED TO
IMMEDIATE POSSESSION OF THE MORTGAGED PROPERTY. YOU MAY
PURCHASE AT THE SALE.
COMES NOW the Plaintiff, Wells Fargo Bank, N.A., successor by mer~er with Wells
Fargo Horne Mortgage, Inc. fIkIa Norwest Mortgage, Inc., and re¡¡pectfll11y states to the Court the
following as its cause of action against the Defendants:
#IO<Ø9&
JUN. 22.2004
8:31AM
NO. 902
P.3
1.
The Plaintiff, Wells F¡¡¡;go Bank, N.A., successor by merger with Wells }1¡¡¡;go
Home Mortgage, Inc. f7k!a Norwest Mortgage, Inc., elects to foreclose without redemption
pursuant to Iowa Code Section 654.20. The mortgaged property which is the subject of this
action is not 1LSed for an agricultural purpose. The mortgaged property is a one-family or two.
family dwelling.
2.
The Plaintiff, Wens Fargo Bank, N.A., succeSSor by merger with Wells Fargo
Home Mortgage, Inc. f/k/a No!West Mortgage, Inc., is a corporation duly authorized to transact
busmess in the State ofIowa.
3.
The Defendants, David J, Yockey and Patty A Y ocl~ey, are a roanied couple and.
are residents of Dubuque County, Iowa.
4.
The Defendant, City of Dubuque, is joined as a party to this action because it may
claim some right, title or interest in the property which is the subject of this action including but
not limited to by vÍrtIle of a judgment entered in CICV 42389 of the Iowa District Court in and
for Dubuque County. The Defendant's rights to the property which is the subj ect of this action
are junior to the Plaintiff.
5.
The Defendants, Parties in Possession, are made parties to this cause of action
because they may claim some right, title or interest in the property which is the subject of this
action due to the fact that the Plaintiff is credibly informed and believes that they may be tenants
in possession of the property the subject of this cause of action. The Defendants' rights to the
p!9perty which is the subject of this action are junior to the Plaintiff.
6.
On or about Sept=ber 21,1992, the Defendants, David J. Yockey and Patty A.
Yoc!œy, executed and delivered to The First National Bank of Dubuque, one certain Promissory
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;ruN. 22. 2004
8:32AM
NO. 902
P.4
Note in the principal sum of Sixty-seven ThO11S<IDd Six Hundred and 00/1 00 Dollars
($67,600.00).
7.
To secure payment of the Note, the Defendants, David J. Yockey and Patty A.
Yockey, executed and delivered to The First National Bank of Dubuque one certain Purchase
Money Mort !a !e dated September 21, 1992, which Mortgage was filed' on September 22, 1992,
in Instrument No. 12954-92 of the Dubuque County Recorder's Office, upon th" following-
described real estate, to-wit:
Lot 1 of Lot 5 of Block A and Lot 2 of Lot 5 of Block B in "Key Knolls
Subdivision" in the City of Dubuque, Iowa according to the recorded plat thereof
8.
A copy ofthe Purchase Money Mortgage together with the Recorder's Certificate
thereon is attached hereto as Exhibit "A" and by this reference incoxporated herein.
9.
On or about September 22,1992, The First National Bank of Dubuque sold,
assigned and delivered to Wells Fargo B am, N.A. successor by merger with Wells Fargo Home
Mortgage, Inc. flk/a Norwest Mortgage, Inc. the Note and Mortgage. Said Assignment was in
writing and recorded on September 22, 1992 in Instrument No. 12955-92, records of Dubuque
COU!1ty. A copy of said ,\ssignment is attached hereto as Exhibit "B" and incorporated herein by
this reference.
10.
The Mortgage and Note is a Purchase Money Mortgage and provides that in case
of default the holder may declare the eIltire principal and the interest accrued thereon due and
payable and the Mortgage may be foreclos"d.
11.
The Defendants, David J. Yockey and Patty A. Yockey, have failed to pay the
Note and interest thereon as provided by the terms ofilie Note.
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JUN. 22. 2004
8:32AM
NO. 902
P.5
12.
By reason of the failure to pay the Note and interest, the PlaintiffhBS elected and
does hereby elect in accordance with the terms and conditions of the Note arid Mortgage to
declare the whole of the Note due and payable forthwith and to exercise its right to enforce
payment of the entire Note as provided by the Note and to foreclose the Mortgage given to
secure the same.
13.
The unpaid balance due on the Note after allowing all credits due to the
Defe.ndants is the sum of Sixty One Thousand six h1IDdred th1ri:y five and 52/100 Dollars
($61,635.52), which is the principal balance, plus interest calculated at the default rate of 8% per
am¡um from January 1,2004. Interest accrues on the said sum at the rate of$13.70 per day-
14.
Irt order to commence this foreclosure proceeding the Plaintiff has expended
escrow advances of$344.51, corporate advances of$78.13, to all of which sums the Plaintiff is
entitled to ajudgment against the property with interest at the rate of 8% per anmun, costs and
accruing costS including but not limited to any and all advances made by the Plaintiff for taxes,
insurance, property preservation and other costs between the time of the Foreclosure Decree and
the time of Sheriff's Sale, including reasonable attorney's fees.
15.
The Plaintiff is the owner and holder of the Note and Mortgage, due demand has
been made for payment, and payment has been refused.
16.
Under the te=s of the Mortgage a receiver may be appointed.
17.
The Plaintiff gave, by certified mail, a Notice of Right to Cure and more tban
thirty (30) days have elapsed since the notice was given. A copy of said Nonce is attached
hereto as Exhibit "c" and incorporated herein by this reference.
18.
The Plaintiffhereby waives their right to a deficiency judgment.
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;rUN. 22.2004
8:32AM
NO. 902
P.6
19.
Under the ten:ns ofsaid Note and Mortgage, the Defendants, David J. Yockey and
Patty A. Yockey, agreed to pay attorney's fees and all costs in comectÍon with the proceeding to
enforce or foreclose the Mortgage. Attached hereto as Exhibit "D" and incorporated herein by
this reference is an Affidavit of Attorney's Fees as required by Iowa Code § 625.22 (2003).
WHEREFORE, the Plaintiff, Wells Fargo Bank, N.A.., successor'bymerger with Wells
Fargo Home Mortgage, Inc. JYkIa Norwest Mortgage, Inc., prays for judgment iv. rem against the
real estate described above, for the sum of Sixty One Thousand six hundred thirty five and
52/100 Dollars ($61,635.52), which is the principal balance, plus interest thereon at the rate of
8% per annum from January 1, 2004, such amount equaling $13.70 per day, the costs of this
action, escrow advances of $344.51 , coIporate advances of$78.13, reasonable attorney's fees
and additional sums for colltinuing the abstract of title or other pu¡poses authorized by said Note
and Mortgage and by Iowa law 911d that said sums be declared a lien UpOD the premises above
described frOll1 September 21, 1992, the date of the Plaintiffs Mortgage, prior and superior to
any right, title, lien or interest of the Defendants or any of them therein; that the Plaîntiffs
Mortgage be foreclosed; that any right, title, lien or interest oftb.e Defendants or any of them in
said property be dedared junior and inferior to the lien of Plaintiff's Mortgage; that a special
execution issue for the sale of the mortgaged premises or so much thereof as may be necessary to
satisfy the judgment including înterest, costs, and accruing costs including but not limited to any
and all advauces made by the plaintifffor taxes, insurance, property preservation and other costs
between the time of the Foreclosure Decree and the time of Sheriff's Sale, and that from and
after said sale under special execution, the right, title, lien or interest of the Defendants in and to
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~TUN. 22. 2004
NO. 902
8:33AM
the mortgaged pre:rnises be forever cut off; barred and foreclosed, and the purchaser at said sale
take free and clear of any right, title, lien or interest of the Defendants OT any of them.
The Plaintiff further prays l-or a Writ of Possession to be issued under the seal of this
Court, directed to the Sheriff of Dubuque County, Iowa, commanding him to put the purchaser at
said sale under special execution or a successor in interest in the possession of the premises; and
that a receiver be appointed to take charge of the mortgaged premises during the period of
foreclosure for the purpose of preserving the ID.ortgaged premises fur the benefit of all
concerned,
The Plaintiff further prays for such other and further relief as the Court may deem just
and eq\Ûtable under the circumstances.
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DavidM. Erickson (pi 001507)
The Financial Center
666 Walnut Street, Suite 2500
Des Moines, Iowa 50309-3993
Telephone: (515) 288-2500
Facsimile: (515) 243-0654
ATTORNEY FOR THE PLAINTIFF.
OF COUNSEL:
DAVIS, BROWN, KOEHN,
SHORS & ROBERTS, P.C.
The Financial Center
666 Walnut Street, Suite 2500
Des Mo;ines, Iowa 50309-3993
Telephone: (515) 288.2500
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8:34AM
NO. 902
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P.9
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!UN. 22. 2004
8:35AM
NO. 902
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Jun 08 04 08:21a
P.10
p.:!!
,JUN. 22. 2004
8:35AM
NO. 902
Jun 08 1)4 1)8,22..
abel" abs~ract & ti~le co
319582-52se
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CAREFULLY BECAUIIE oNLYTHOSE TERMS IN WRmNG ARe ÐlFOI'IC"EAB\.E.IIO OTHER TERMS OR
ORALPROMISE$ Not CONTAINED1N '(1i1S WI!fT1l¡N CONTRACT MAY BE LEGALLY EHFO1'ICeD. YOU
MAY CHANGETHE T~RMS OI'TlilS AGREEMENT ONLY BY ANamEI' WlUTŒN AGREEMENT.
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P.11
p.4
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8:36AM
NO. 902
Juri O? 04 03:30p
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12955-92 :9Z'5EP'ZZ ,P ') Z '11
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ASSIGNMENT OF MORTGAGE OOU'NTY RECO~DEJ\ .600
DUBUQUE CO.. 10':1'\ FEES
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to the l'irst National Batik of DtIbuque, and b....rin<¡ àate the-Z..l.U-day of
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"-.IJ. J.!/.!U-, and r""ordel! in the office of the Reoorder 0"
c::oLlnty, stat. of ..aJUI----aa Instrument. No, 12954-92
,"",.'"
on the..2Zod-àay of
-.'"""""'
A.D.~.
,>,"!m".~igned tb...22tKI.-day of
. <"",\11\. .
/:"...,?:;
"".pI'-
A.D.-ÌS92-.
\mE FIR$'J:' NA'l'ItWlIL BANK 01' DUBUQln
. ""
DALE I.. I'tES, VIer; PRESIPlINT
)
)SS
e"'"t1ty of Dubu,>"e )
on this~day cf !õæI1r~_r
A. P...J392.-, before lIIe, the
Ilnde>:si!"lned, a Notary public of Iowa in ane! for OUJouque county, per"anallY
appea:recl '1"'" m~'
alld
">T." T, T'I"'" to me per"onal1y knowo,
who, Joeing"y me dlily swcrn,'dià say that th"Y are .'°' ""'0'"
"nd
\Ii.... ",....dð"~~
re"peoti..;ely of the First. Natioh"l Bank of nu.,,"q"",
Iowar " nat10n,,1 banking assoQiaticn with pla<:e of bUsin.,.... in Dubuo;¡ue,
Io"a, and thaI:. the seal "ffixed to ..aid instrument is th., cOX'P"nte ..eal
of said b:u>k.ing association, and ~at "aid instrument was "i!"lnad ..,,<1
seale<1 in behalf of s..id asso<:iat10n by autbo:rity of it5 !loa:r<l of
Oire"toors. and the Gai<l II ". ,
as such .", ...""",,
and
II""
th" ¡;aid "'T." ,
,..,.""
as such
17;~. ""'D.;~t!"'"
acknowledged the
ex.,cution of said in..tr,,"eot to be the voluntary act and deed of said
....""ciation by it end ""ch of them ,,01=l:.ad1y ex"cut..d.
T"J/ 11, a~r
N"t='{ P"b11c¿7in and fOJ: State. of I
P.12
p.a
I
EXHIBIT
P
JUN. 22. 2004
8:36AM
NO. 902
P.13
'0036"'7>/
P.O. Box 1225
Charlotte, NC 28201.1225
March 22, 2004
"'0'.0 fOOD'" ""."",!O
PATTY A YOCKEY
DAVID ~ YoCKEY
1850 NORLANII
DUßUQUE IA 52002
Dear Borrower(s}:
R:E.: Loan Number 5330980
Our records indicate tha.t yonr loan is in default. Unless the payments 011 your loan can be brought current by
April 21, 2004, it will become necessary w accelerate your Mortgage Note and pursue the remedies ];Irovided
for in your Morrgage Dr Deed ofTJ:1JSt. The total delinquency against your account as of today's dare is as
folJoWs:
Pa~t Due Payment~
Late Charge Balanoe
Orher Fees
Suspen~e Balance
Total Ddinqnency as of 03/22/04
Payments dne in next 30 days
Total due to cure default and bring loan CIlrrent as of April 21, 2004
$
$
$
-$
$
$
1,441.30
0.00
78.13
0.00
1,519.43
720.65
$2,240.08
Your failure to 'pay this delinquenoy, plus additional payments and fee, that may become due, wlll resuh in the
acceleration ot your Mortgage Note. Once aceele¡-ation has occurred, a J:oredo~ure actiOI!, or any omer
remedy permitred uuder me teID1S of your Mortgage or Deed of Trœst, may be initiscted.
You have the right to reinstate your Mortgage Note and M~ge or Deed of Trust after acceleration.
However, any fmuxe negotiations attempting to reinstate your loan or any payment of less than the full
amount due shaH nor constitute Wells Fargo Home Mortgage's waiver of the acceleration unless agreed to, in
writing¡ by Wells Fargo Home Mort~, Inc. and may be returned. If foreclosure is initiated, you wm ha.ve
the ril¥l.t to refute the exisœnoe of a ddamt or offer any other defense tt:> acceleration yon may deem
approp!late.
To avoid the possibility of acceleration you must pay
$1,519.43 By March 31, 2004, 2:00 P.M. Cenrral1ime
$2,240.08 By April 21, 2004, 2:00 P.M. Central 'Time
in CERTIFIED funds, ro We!!, Fargo Home Mortgage, Inc. 1 Home Campu~, X2501-O1H, D~ Moines, 1A
SO328. Ifiunds are nOt received by tlìe above stated time, we will p<ocoed w¡rh acceleranon.
We are required by Federal Law to notify you of the availability of ¡;OVetnn1en< approved home owne~hip'
counseling agencies designed to help homeowners avoid !osin'i\ their home, To obtain e list of approved
founse!ing agen~ies for your stat. please call 1-800-569-4287. We urge you to give tbi~ marter yow:
¡mmediet. attentIon.
i
EXHIBIT
~
.JUN. 22. 2004
NO. 902
8:37AM
If you would like to discuss the present "onditlon of yorn: loan, or if we ~an be of further assistance, please call
OUr Loan SetVke Rej'~e5entative5 o.t 1-800-551.~808, Monday through Friday from 8:00 a.m. to 8;00 p.m.
Cenqa\ Time. The Falr Debt Collection Practices A~t require' us to notify you that ;n the event your Joan is ;n
delaul" Wells Fugo Ho",e Mortgage will s.ttempt to ~ollect the debr and any informacion oE>rained will be
used for that pw:pose. However, if you have received a discharge from BankruptCy, and the loan was nOt
rcaffittaed In the banl_ruptcy case, Wells FatE<> Home Mortgage will only exercise its rights as agaInst the
property and is !lOt am:mpring any aet to colle'" the discharged debt from you pcrsonally.
Sincerely,
Wells Fargo Home Mortgage, Jnc.
Default Management Depa=ent
P.14
,-rUN. 22.2004
8:37AM
NO. 902
IN THE row A DISTRICT COURT FOR DUBUQUE COUNTY'
WELLS FARGO BANK, N.^" SUCCESSOR)
BY MERGER WITH WELLS FARGO )
HOME MORTGAGE, INC. FfK}A )
NORWEST MORTGAGE, INC, )
)
)
)
)
)
)
EQUITY NO.
Plaintiff,
ATTORNEY'S FEE AFFIDAVIT
vs.
DAVIDJ. YOCKEY,PATTY A. YOCKEY,
CITY OF DUBUQUE, and PARTIES IN
POSSESSION,
0
-,;:0;
C"'-
~V-
,"
Defendants.
STATE OF row A )
) sa:
COUNTY OF POLK) .
>~
1, Matthew E. Laugh1in. being first duly sworn on oath, hereby depose and state that I am
a member of the :!inn of Davis, Brown, Koehn, Shors & Roberts, P .C., the attorneys f-or the
Plaintiffin the above-entitled cause; that the Note aDd Mortgage sued upon herein are in my
possession as attorney for the Plaintiff; that I have read the foregoing Petition and am. familiar
with the contents thereof, and the allegations contained therein are trne as I verily believe.
I further depose and state that I am a regularly practiCÍJ1g attorney in the Courts of the
State ofIawa; thai the attorney's fees prayed for herein are fo, services rendered and to be
rendered by me as attorney for the Plaintiff in this action; that there has been no agreement,
EXHIBIT "D"
#577651
P.15
..
---:JUN.22.2004
8:37AM .un
NO. 902
P.1S
"
e¡;¡gaged with me in this action, for a division or sharing' o£
Subscribed and sworn to before me this -L day of
~J_I;\""'"
, 2004.
J-
2