GOLDMAN & WARS}IAW, P.C.

34 MapleAve, Suite101
' PineBrook, NJ 07058
(973) 439-0077
My File:H0120413
Attorneys for Plaintiff
WELLS FARGO BANK, NA SUPERIORCOIJRT OF NEW JERSEY
Plaintifi LAW DIVISION PASSAICCOIJNTY
vs. SpecialCivil
FM,CTORD. LOPEZ
Defendant(s) DOCKET NUMBER DC-OI 6922-II

CIVL ACTION

PLAINTIFF'SFIRST SET OF
INTERROGATORM,S

To: HECTORD.LOPEZ
54 E CLIFTONAVE
CLIFTONNJ O7OII.13O4

PLEASETAKE NOTICEthatPlaintiffrequiresof defendant(s) HECTORD .LOPEZ certifiedanswers

to the following intenogatorieswithin the time prescribedby the rules of this Court.

Goldman& Warshaw,P.C.
Attorneysfor Plaintiff

Bv: /s/ David B. Warshaw

L State:(a) the full nameand residenceaddressof eachdefendant;(b) the nameof the person(s)answering
eintenosatorb':t:;::',Twyeseintenogatories'

5f e, (Lfft" 4,rc
Ctfa^ tvd oTotl
2. Statein detail:(a)whatpayments weremadebyyouto Plaintiffor anypredecessor,
successor,assignor,
assigneeor agentof Plaintiff; (b) the dates,mannerandamountof eachpayment;(c) if any creditsor set-offs
otherthan suchpaymentsareclaimed,setforth the natureandamountsthereof;(d) attachheretocopiesof all
checksandreceiptspertainingto suchpayments.

3. Haveyou everreceivedmail from thePlaintiff?If sothenstate(a) thedatesof saidmail (b) thenatureof saidmail
(c) andattachcopies.

4. If a specificchargeor transaction thenstate:(a)whichchargeor transaction

is disputed, (b)
is disputed;
thedateyou first disputedthechargeor transaction;(c) providea description,amountanddateof eachdisputed
chargeor transaction; (d) statetheoutcomeor resolution of yourdispute(wasit resolvedor not);(e)attachcopies
of any lettersor written noticesthat in anyway relateto the dispute,its outcomeor resolution.

5. to Plaintiff.
Statewhat amountis owedby defendant(s)

a ) $

b) Describehow you arrived at this sum.

Include your mathematicalcalculationsto evidencesame.
 6. State in detail every defenseto this suit not already set forth in any of the preceding answersor in the
,Answer to the Complaint, which will be offered by defendant(s)at the trial of this action, to supportany defense
or allegation set forth in theseanswers,attaching hereto a copy of every writing, record or paper forming a part
of such proof.

7. Charges. With regardto the debt suedupon in this matter,have you ever disputedsomeor all of the
chargesthat appearedon your monthly statement(s)?If so itemize each and every chargethat you disputed
and statethe dateyou first notified plaintiffor its agent,predecessor,
successor, assignoror assigneeofthe
dispute. Include in your answera descriptionof how and when you notified plaintiff or agent, predecessor,
successor,assignoror assigneeof the dispute,describethe factual basis of the dispute and describethe
outcome. Attach hereto copies of all letters and documentsthat relate in any way to the dispute and its
outcome.

8. Statements.With regardto the debt suedupon in this matter,haveyou ever disputeda monthly
statementfrom the Creditoror Plaintiff or its successor or assignee?If so state(a) the dateof the
thatis in dispute;(b) describe
statement(s) thenatureof thedispute;(c) thedateyou issuedyourdisputeto
(d)
the statement(s); set forth the factual
basisfor the dispute;(e) describethe outcomeof thedispute;(f)
attacha copyof thestatement(s) thatyou disputed;(g) attachcopiesof anyandall documents thatrelateto
saiddispute,includinganyresolutionor outcometo same.

9. What amount,if any, do defendantsconcedeis due and owing to plaintiff?

If you claimlessthanthefull amountsueduponis due,thenincludein your answera descriptionof

the factsthatgiveriseto your conclusionanddescribein detailhow you calculatethatamount,including
and/orchargesthat arepart of your calculation..
an itemizationof any statements

10. If your defenseis paymenthas beenmade, set forth the amountpaid, the current amount allegedly due, and attach
to your answersto theseInterrogatories,the copiesofall receipts,canceledchecksand other papersevidencingpayment.
 whichsupporteachandeverydefenseyou assert.Attachheretocopiesofany
I l. Setforth thefactualcircumstances
andall documents and/orothertangibleevidencethatyou will rely uponat thetime of trial.

12. Statethenamesandaddressof all personswho haveknowledgeof anyrelevantfactsrelatingto the case.

I 3, If you disputethe balancedue assetforth in the complaint,thenstatewith detailthe basisof your disputeand
includeyour mathematical to supporthow the amountsueduponis incorrectandwhatthe amountshould
calculations
be.

14. State:(a) whetheryou usedthe creditextendedby Plaintiff or Plaintiffs assignoror assigteeto purchasegoods
andinclude;(c) the date,placeandamountofeachpurchase.
or services;(b) list eachgoodor servicepurchased

15. If you allowedothersto usethecreditextendedby Plaintiffor Plaintiffs assignorthenstatethenameandaddress

ofeachsuchpersonandlist whatgoodsor serviceswerepurchased by saidpersonandtheamountfor eachlistedgood
or service.

16. Ifyou denyreceivingor havingusedsomeor all ofthe creditextendedthenstate:(a) the factualbasisfor your
claim that someor all of the creditissued wasnot receivedor usedby you; (b) whetheryou everdid businesswith
PlaintifforPlaintiffssuccessors,assigneeor assignor.

usedby you duringthetime the debtasallegedby plaintiffwas incurred.Includesthe

17. Stateall of the addresses
datesfor occupyingeachaddresslisted. Further,if you did move,statewhetheryou notifiedplaintiffand/ortheUnited
StatesPostOffice and/orDepartmentof Motor Vehiclesandattachheretoproof of same.

18. Statethenames andaddressesofanyandallproposedexpertwitresses copiesofallwrittenreports

andannextrue
renderedto defendan(s)by anysuchproposedexpertwiuresses.
 or partiallyresponsible
19. Do you claimanyperson,corporation,firm or otherlegalentityis legallyresponsible for
payment?

20. If your answerto the precedingIntenogatoryis in the affirmative,set forth the namesand addresses of the
principaloffice andall the factsknownto you indicatingor tendingto indicatethat saidfirm, corporationor personis
liableto plaintiffand providenamesandaddresses of the firms,corporationsor personsinvolved.

21. Setforth the factualcircumstances

which supporteachandeverycounterclaim,
if any.

22. Attach hereto any correspondenceupon which you intend to rely at the time of trial.

23. Do you intendat thetrial of this law suitto requestthatthe CourttakeJudicialNoticeof anything?If so, state:
(a) what(b) why you contentit is a propersubjectof JudicialNotice(c) the factson whichyou basethe applicability
of thesubiectof theJudicialNoticeto thislaw suit.

24. If anywrittenstatement, communication or reportexistsmadeby anypersonnot a partyto this caserelatingto

this litigation,the factsof this litigationor anyof the allegationscontainedin the pleadingsfiled in this litigation,(a)
identifythewrittenstatement, communication or report,(b) identifyeachpersonmakingsuchstatement, communication
or report,(c) providea summaryofthe contentsof eachsuchstatement, communication or reportand (d) identi$ each
documentrelatingto eachsuchstatement, communication or report.

25. For any charge that you dispute, statethe date upon which you received the merchandiseand/or service.

26. usedbv vou in the lastsevenvears.

List all addresses

27. Priorto doingbusiness with Plaintiffdid You or anyof yourrepresentatives or negotiations

haveanydiscussions
with Plaintiffor anyof Plaintiffsrepresentativesconcerningthetermsunderwhichyouwoulddobusinesswith Plaintiff?
If so,state:

a. the date
b. the place
c. the nameandaddressofeachpersonpresent
d. the matterdiscussed
e. whetheranydecisionsor agreementswerereachedandif sostateeachtermandconditionagreedupon.
negotiations
f. attachanynotesor writtenrecordofthe discussions, or agreement

28. At any time afteryou agreedto do businesswith Plaintiff, did you makeany protestor attemptto add any
conditions,eliminateanytermsor otherwisealtersame?If so,state:
 a. the date
b. the place
c, thenameandaddressofeachpersonpresent
d. the matterdiscussed
werereachedand if so stateeachterm andcondition agreed
e. whetherany decisionsor agreements
upon.
f. attachanynotesor written record ofthe discussions,negotiationsor agreement

If so,
to Plaintiffor Plaintiffs representative?
29. Did you at anytime expressanycomplaintsor dissatisfactions
state:

a. the date
b. the place
c. thenameandaddressofeachpersonpresent
d. the matterdiscussed
e. the complaintmade
f. attachanynotesor writtenrecordofthe discussions
 CERTIFICATION F{ LryU OF OATH

I herebycertiff that theseanswersto interrogatoriesaretrue basedupon informationandbelief. I

herebycertitr that anyreportsannexedheretowhich arerendoredby eithertreatingphysiciansor proposed
expertwitnessesareexactcopiesof the entirereportor reportsrenderedby them;that the existenceof other
reportsof saiddoctorsor suchexperts,eitherwritten or oral, are unknownto me, and if suchbecomelater
available,I shall servethem promptly upon propoundingparty.
I certiff that the foregoing statementsmade by me are true. I am aware that if any of the foregoing
statementsmadeby me arewilfully false, I am subjectto punishment.

Dated:

By:

(Signature)

(Printed Name)

(Mailing Address)
(city, state, zip code)
(Phone)
GOLDMAN & WARSHAW,P.C.
34 MapleAve, Suite101
PineBrook, NJ 07058
(e73) 439-0077
My File:H0120413
Attorneysfor Plaintiff
WELLSFARGOBANK. NA SUPERIORCOURTOF NEW JERSEY
Plaintiff, LAW DIVISIONPASSAICCOUNTY
vs. SpecialCivil
HECTORD. LOPEZ
Defendant(s) DOCKETNUMBER DC-OI6922-11

CNIL ACTION

PLAINTIFF'SFIRSTREQUESTFOR
ADMISSIONS

ro: HECTORD. LOPEZ

54 E CLIFTONAVE
CLIFTONNJ 07011-I304

REQUESTis herebymadeby the plaintiff WELLS FARGO BANK, NA of the defendant(s)

HECTORD. LOPEZ , for the admissionof the genuineness of the documentsandthetruth of the
mattershereinaftersetforth, within 30 daysafterthe servicehereofuponyou.
TAKE NOTICEthatif you fail to do so,eachof the mattersasto which anadmissions is requested
shallbedeemedadmitted,unlessby the above-mentioned time,youhaveactedor otherwisemoved
with regardto therequestin accordance with theprovisionsof CourtRuleR.4:22-l {SpecialCivil
PartR.6:4-3(d)).
Unlessotherwiseindicated,"merchandise" or "services"as usedhereinrefersto the goods,
merchandise or serviceswhich arethe subjectof this suit.

Goldman& Warshaw,P.C.
Attorneysfor Plaintiff

By: /s/ DavidB. Warshaw

 ANSWERS TO ADMISSIONS

.Instructions: Pursuant to the Rules of Court, you must respond to all of thefollowing statements.
If you admit a stqtementis true, thenyou must check the "Admitted" box. If you deny a statement
is true, thencheckthe " Denied" box, andpursuant to R. 4:22-1,you mustexplain in detail why the
statementis denied.

1. I orderedand/orappliedfor the creditcardwhich is the subjectof this lawsuit.

n Admitted. tr Denied"because

2. I received a copy of the CardholderAgreementwhich governsthe terms and conditions of

the credit card which is the subiect of this lawsuit.

n Admitted. n Denied. because

3. I usedthe creditcardwhich is the subjectof this lawsuit(in otherwords,I madepurchases

with the creditcard,I placedbalancetransferson the creditcard,and/orI obtainedcashadvances
with thecreditcard,etc.).

n Admitted. n Denied. because

4. I agreedto thetermsof the CardholderAgreementwhenI beganusingthecreditcardwhich

is the subjectof this lawsuit.

n Admitted. n Denied, because

5. I madepaymentson the creditcardwhich is the subjectof this lawsuit.

! Admitted. n Denied. because

6. I eventuallystoppedmakingmy monthlyminimumpaymentson thecreditcardwhichis the
subjectof this lawsuit.

n Admitted. tr Denied. because

7. (in otherwords,
Thecreditcardwhich is the subjectof this lawsuitis still in my possession
it wasnot lostor stolen).

n Admitted. n Denied. because

8. and/orinvoicesfor the credit card which is the

I receivedall of the monthlv statements
subjectof this lawsuit.

! Admitted. n Denied. because

9. and/orinvoicesfor the creditcardwhich is

I did not disputeanyof the monthlystatements
the subjectof this lawsuit.

n Admitted. I Denied. because

10. I have not changedaddressessinceI beganusing the credit card which is the subjectof this
lawsuit.

n Admitted. n Denied. because

I l. or assignor,if applicable)of my change
I did not notifu Plaintiff (or Plaintiff s predecessor
in address,if any.

tr Admitted. ! Denied, because

12. Plaintiff(orPlaintiffspredecessor
orassignor, dl payments,
properlycredited
if applicable)
credits,and/orset-offsto the balanceof the credit cardwhich is the subjectof this lawsuit.

n Admitted. tr Denied, because

and/orset-offsto this lawsuitwhich I

counterclaims,
13. Thereaxeno legally-viabledefenses,
will be ableto raise.

n Admitted. tr Denied, because

14. I still oweto Plaintiffthe balanceon thecreditcardwhich is the subjectof this lawsuit,and
which is setforth in PlaintifPsComplaint.

tl Admitted. tl Denied, because

15. I agreedto paythe priceand/orchargessetforth in Ptaintiff s Complaint.

! Admitted. tr Denied. because

AnsweredBy:

Today'sDate Signattue

PrintedName

L5OIC
File#: H0120413
Pennsylvania
Office: GOLDMAN & WARSHAW, P.C. New York Of;fice:
ATTORNEYS
ATLAW
312W. BroadSreet DoingBusiness
in NewYork as
PA 18951
Quakertown, Goldman,Warshaw & Parrella
Replyto New JerseyOffice: POBox2012
Q67)373-9730 34MapleAve,Suite101
Fax:(267)373-9781 PineBrook,NJ07058-2012
PineBrook,NJ 07058
NYCDCA.LIC t25t927
877-733-rrr3
Eax973-439'7204
www.gwpayonline.com

9,2012
January
HECTORD. LOPEZ
54E CLIFTONAVE
CLIFTON NJ0701l-1304

Re: Wells FargoBanlqNA vs HECTORD. LOPEZ

Docket#:DC-016922-ll
My File #:H0120413

Dear Sir/Jv1adam:

Enclosedherewithpleasefind a SecondSetof Intenogatories,all of which pertainto your countorclaim.

Pleaseacknowledgereceiptof sameon copy of this letter and furnish fully responsiveanswerswithin the timei
permittedby the Rulesof Court. Thankyou for your ongoingcourtesiesin this regard..

P.C.
Goldmqpr,&{arshaw,
I
AttorT6ysfor/Plaintiff
( - /
//

By:
David Warshaw,Esq.

THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USEDFORI
T}IAT PURPOSE.THIS COMMUNICATION IS FROM A DEBT COLLECTOR

Enclosures:SecondSetof trnterrogatories

File#: H0120413
L501CLM/DBW/scan
GOLDMAN & WARSHAW,P.C.
34 MapleAve,Suite101
PineBrook, NJ 07058
(973) 43e-0077
My File:H0120413
Attorneysfor Plaintiff

WELLS FARGOBANK. NA SUPERIORCOURTOF NEW JERSEY

Plaintiff, LAW DIVISION PASSAICCOUNTY
vs. SpecialCivil
TMCTORD,LOPEZ
DOCKETNUMBER DC-OI 6922-II
Defendant(s)
CTVL ACTION

SECOhIDSET OF INTERROGATORIES

To: HECTORD.LOPEZ
54 E CLIFTONAVE
CLIFTONNJ OTOII-1304

PLEASE TAKE NOTICE that,pursuantto R. 4:17-1,PlaintiffrequiresthatDefendant(s) HECTOR

D. LOPEZ providecertified to
answers the following within
interrogatories the time prescribed
by the Rulesof
Court.

pLEASE TAKE FURTHERNOTICE that,pursuantto R.4:17-4(a),the enclosed must

interrogatories
beanswered be
in writingunderoath;thateachquestionmust answered separately, fully, and and
responsively; that
if copiesof papersarerequested,the requestedpapersmustbe attachedto the intenogatory answers.

PLEASE TAKB FURTHER NOTICE that,pursuantto R. 4:17(b),unlessotherwiseorderedby the

Court,certifiedanswers areduewithinsixty(60)daysof thedateonwhichthisdiscoverydemandis received (unless
this matteris docketedin the SpecialCivil Part,in whichcaseanswersareduewithin thirry (30) pursuant
days, to
R. 6:4-3(a)).

Goldman& Warsh4w,P.C.
Attorneysforfiintrff

Dated:January9,2012
File#: H0120413
L5OlCLM
 l. Describe in detail each and every alleged Fair Debt Collection PracticesAct ("FDCPA")
violation which you claim Plaintiff committed, and include: (a) the dateson which each alleged violation occurred;
(b)-theperson/entitywho purportedly committed eachallegedviolation (i.e., the current creditor, the creditor's agent,
a previous creditor, etc.); (c) a detaileddescriptionof each allegedviolation; (d) copies of all documentswhich
contain allegedviolations; (e) citations to each specific statuteand/or regulation that was allegedly violated; and (f)
the namesand addressesof all witnessesto eachallesedviolation.

2. With regardsto the previousinterrogatory,statewhetheranyof the allegedFDCPAviolations

were broughtto the attentionof Plaintiff. If so, include:(a) the dateson which they were broughtto Plaintiff s
attention;(b) the name and addressof the personwho broughtthem to Plaintiffs' attention(if not Defendant
himself/herself);(c) whethersuchcommunications were written and/ororal; and (d) copiesof any suchwritten
communications.

3. Ifyour answerto thepreviousinterrogatoryis affirmative,thenstatewhetherPlaintiff responded

to anyofyour communications regardingtheallegedFDCPAviolations,andinclude:(a)thedatesonwhichPlaintiff
(b)
responded; the name, address,phone number,fax number,and/ore-mailaddressof the personon behalfof
Plaintiff who responded; (c) whethersuchcommunications werewritten and/ororal; and(d) copiesof anywritten
communications in this regard.
 CERTIFICATION IN LIEU OF OATIIPIIRSUAI\IT TO R 1:4-4(b)

I herebycertifr that the foregoing answorsto interrogatoriesare true. I am awarethat if any of the,

foregoingstatementsmadeby me arewilfully false,I am subjectto punishment.

I herebycertiff that the oopiesofthe reportsannexedheretoprovidedby eithertreatingphysiciansor,

proposedexpertwitnessesareexactcopiesofthe entirereportor reportsprovidedby them;thattheexistenceof otherr

reportsof said doctors or experts,either written or oral, are unknownto me, and if suchbecomelater known or'

available,I shallservethempromptlyon the propoundingparty.

Dated:
(Signature)

(PrintedName)

(StreetAddress)

(city, state,zip code)

File#: H0120413
L50lCLIW (PhoneNumber)