Could a mortgage remain encumbered while the grant deed/ title be transferred to another entity for $0? Jose Malavega sought services of Joseph Policarpio who in turn forged signature and transferred title to Sky Unlimited who had a $108,000 EDD lien due to unpaid payroll liability. Title was again passed for $0 to 7K Island Inc. that is filing an unlawful detainer to residents but using a bogus address and address on court documents. Contact number of 7K is with Burbank Courthouse Sheriff's Department.

1. 1064 Willard Ave.
Glendale CA 91201-2217
Glendale CA 91201-2217
Story

2. As reported by Ticor Title
as of 3/29/12
• Property overview
Primary Owner: 7K Islands Inc.; Wealth
Vision Intl Inc.
Mail Address: 4708 Fountain Ave. #D
Los Angeles CA 90029
APN: 5623-040-009
Lot No. 75 Page Grid 564-B2

3. Property Details
• Bedrooms: 2 (3 in reality)
Year Built: 1940
Square Feet: 1,171 SF
Bathrooms: 1 (2 in reality)
Garage: yes
Lot Size: 5,297 SF
Total Rooms: 3
Fireplace: yes
Use code: Single-Family Residential

4. Sale & Loan
• Transfer Date: 08/30/11
Seller: Sky Unlimited 1 GM TR,
Transfer Value: N/A
Document #: 11-1175295
Cost/Sq Feet: N/A

5. Assessment & Taxes
• Assessed Value: $480,000
Percent Improvement: 22.92%
Land Value: $370,000
Tax Amount: $5,261.95
Tax Rate Area: 4-045
Improvement Value: $110,000, 2010

6. Prior Transfer
• Recording Date: 08/30/2011
Document # 11-1175295 BK-PG
Price: N/A
Document Type: Grant Deed
First TD: N/A
Type of Sale Price as “0”, “None”, No
Consideration

7. Grant Deed
• Buyer Name: 7K Islands Inc., Wealth
Vision Intl Inc., USA Mortgage Relief,
Sky Unlimited I G M TR; First Fidelity
Trust; BH Investments TR
• Seller Name: Sky Unlimited I G M Tr,
• Legal Description: Lot 75 Tract No.
9352 City of Glendale

8. •
Prior Transfer
Recording Date: 03/18/11
Document No. 11-0417254 BK-PG
Price: N/A
Document Type: Intrafamily Transfer or
Dissolution
Type of Sale Non-Arms Length Transfer
Buyer: Malavega, Soledad
Seller Malavega, Jose
Buyer Vesting Married Woman as her sole
and separate property

9. Foreclosure Record
• Recording Date: 02/01/2011
Document # 11-0170609 BK-PG
Document Type: Notice of Rescission
Original Foreclosure Document: 100042705

10. Prior Transfer
• Recording Date 08/11/2010
Document # 10-1116803 BK-PG
Price N/A
Document Type Grant Deed
Type of Sale Price as “0”, “None”, “No
Consideration”

11. Trans Atlantic sells to
Sky Unlimited
• Buyer Name: Sky Unlimited I G M Inc. Tr;
BH Investments Inc.; 7K Islands Inc.; Trans
Atl Int Tr
• Seller Name: Trans Atlantic Intl Inc.
• Legal Description: Lot 75 Tract No. 9352
Map Ref MB125 PG29&30 City of Glendale

12. Foreclosure Record
• Recording Date: 07/12/2010
Document # 10-0946986 BK-PG
Document Type: Notice of Sale (aka
Notice of Trustee’s Sale)
Auction Location 12720 Norwalk Blvd.,
Norwalk
Auction Date/Time 08/02/2010 10:00 AM
Min Bid Amt $573,578

13. Foreclosure Record
• Recording date 01/12/2010
Document # 10-0042705 BK-PG
Document Type Notice of Default
Beneficiary Name Deutsche Bank National
Trust Co
Trustor Names Malavega Jose; Malavega
Soledad
Trustee Name CAL Western Reconveyance
Corp.

14. 01/12/2010
• Mailing address: 525 E Main St., El Cajon,
CA 92022-9004
• Trustee Phone 619-590-9200
• TS# 1258791-11
• Loan Doc # 07-0519144

15. Loan
• Loan Date 03/09/2007
Loan Amount $517,950
Contact Name Deutsche Bank National
Trust Co.
Attn Cal Western Reconveyance Corp
Mailing Address 525 E Main St El Cajon CA
92022-9004
Legal Description: Lot 75

16. Prior Transfer
• Recording Date 03/09/2007
Document # 07-0519143-BK-PG
Price $575,500 DocType Grant Deed
First TD $517,950
Type of Sale Full-Computed from Transfer
Tax
Mortgage Doc # 07-0519144
Interest Rate 8.25%

17. 03/09/2007
• Lender Chevy Chase Bank FSB
Buyer Name Malavega, Jose & Soledad
Seller Name US Bank NA FFMLT Mortgage
Pass Through Certificates
Buyer Vesting Joint Tenancy
Adjustable Rate Index Twelve Month Ave.
Change Index 3.25%
Rate Change Frequency Monthly
First Change Date 2007

18. Prior Transfer
• Recording Date: 11/16/2006
Document # 06-2538822 BK-PG
Price $517,925
Doc Type Trustee’s Deed
Type of Sale Full Amount on Deed
Buyer Name US Bank NA First Franklin
Mortgage Loan Trust
Seller Ayranjian, Arsen
Buyer Vesting: Trust

19. Mortgage Record
• Recording Date 08/25/2005
Document # 05-2042147 BK-PG
Loan Amount $120,000
Loan Type Stand Alone Second
TD Due Date 09/01/2020
Lender Name First Franklin
Vesting Married Man as his sole and
separate property
Borrower’s Name Ayranjian, Arsen

20. Prior Transfer
• Recording Date 08/25/2005
Document # 05-2042145 BK-PG
Price NA
Document type Intrafamily Transfer or
Dissolution
Type of Sale Non-Arms Length Transfer
Buyer Ayranjian, Arsen
Seller Name Haddad, Ester

21. Prior Transfer
• Recording Date 08/25/2005
Document # 05-2042144 BK-PG
Price $600,000
Document type Grant Deed
First TD $480,000
Type of Sale Price Unconfirmed

22. • Mortgage Doc #05-2042146
Interest rate 6.62%
Lender Name First Franklin
Buyer Name Ayranjian, Arsen
Seller Name Aleksanyan, Lusya
Buyer Vesting Married Man as his sole and
separate property
Adjustable Rate Index Libor
Change Index 5.25%
Rate Change Frequency: Six months or
semi-annually

23. Mortgage Record
• Recording Date 02/03/05
Document # 05-0258389 BK-PG
Loan Amount $464,000
Loan Type Unknown
TD due date 02/01/2035 IR 8.6%
Type of Financing Adj
Lender Name WMC Mortgage Corp
Lender Type *X

24. • Borrower’s Name: Aleksanyan, Lusya
Adjustable Rate Index Libor
Change Index 8.5%
Rate change frequency 6 mos. or semiannually
Prepayment penalty rider: no

25. Mortgage Record
• Recording Date 05/04/01
Document # 01-0767438 BK-PG
Loan Amount $15,000
Loan Type Unknown
Lender Name Daniellan Financial Services
Lender Type Aleksanyan, Melikset
Legal Description: Lot 75 Tract No. 9352
City of Glendale

26. Mortgage Record
• Recording Date 04/19/2001
Document 01-0665440 BK-PG
Loan Amount $260,000
Loan Type Stand Alone First
TD Due Date 05/01/2031
Lender Type Bank
Borrowers Name Aleksanyan, Melikset
Legal Description: Lot 75 Tract 9352
Glendale

27. Mortgage Record
• Recording Date 07/12/1999
Document # 99-1279909 BK-PG
Loan Amount $50,000
TD Due Date 03/05/2014
Lender Name Bank One NA
Lender Type Bank
Borrowers Name Aleksanyan, Melikset,
Aleksanyan, Luysa

28. Prior Transfer
• Recording Date 03/06/1998
Document # 98-0366282 BK-PG
Price $149,500
Document Type Individual Deed
First TD $142,000
Type of Sale Full Computed from Transfer
Tax Lender National Home Funding Corp
Buyer Aleksanyan, Melikset
Seller Spruill, Raymond T & Spruill, Helen M

29. Prior Transfer
• Recording Date 10/14/97
Document 97-1594508 BK-PG
Price $164,665
Document Type Trustee’s Deed
First TD N/A
Type of Sale Full amount on deed
Buyer Spruill Raymond T, Spruill, Helen M
Seller Burnet, Gary F, Spruill, Raymond T
Buyer Vesting Joint Tenancy

30. Comparable Sales Data
• Address: 1230 Olmsted Dr
Date 03/21/12
Price $572,000
$/SF $419
Bld/ Area 1,364
Rm Br/ Bth /3/2
YB 1939
Lot 6800 SF
Proxim .37 mi.

31. • Site Address Glendale CA 91202-1433
APN 5628-007-019
Price Code F
Land Use Single Family Residential
Buyer Grayson, Joshua E, Sheldon, Jane
Seller Name Kennedy, David E, Kennedy
Patricia
Legal Lot 17 Tract 5621 City of Glendale

32. Comparable
• Address: 1020 Rosedale Ave.
Date 02/13/12 Price $380,000
$/SF $239
Bld/Area 1,585
Rm/br/bath /4/2
YB 1927
Lot 6,547 SF Proxim .14 Mi
Site address Glendale CA 91201
APN 5623-037-013
Buyer Issaian, Antranik, Issaian, Norik

33. Comparables
• Address 834 Graynold Ave. Glendale CA
91202
Date 1/31/12 Price $370,000
$/SF $378 Bld/Area 977
Rm/Br/ Bath /2/1
YB 1939
Lot 6,808 SF Proxim .29 mi
Doc type: Grant Deed
Buyer Name Kazariane, Tadeh, Mardirosian,
Neenel

34. Comparable
• Address 1446 Cleveland Rd Glendale CA
91202
Date 1/31/12
Price $665,000
$/SF $389
Bldg/Area 1,706 Rm / Br/ Bath /3/1
YB 1926 Lot 9,418 SF Proxim .53 mi
Buyer: Shaumyan, Alfred, Torabyan, Madlen

35. Mortgage Record
• Recording date 02/03/2005
Document # 05-0258389 BK-PG
Loan Amount $464,000
TD Due Date 02/01/2035 IR: 8.6%
Type of Financing Adj
Lender Name WMC Mortgage Corp
Lender Type *X
Borrower’s Name Aleksanyan, Lusya

36. California Secretary of
State
• Business Search Results as of Friday, April 6,
2012
Entity No. C1201234
Date Filed 05/18/1983
Status Suspended
Entity Name Sky Islands Estates Inc.
Agent for Service of Process: Tony Regan

37. Business Entity Detail
• Entity Name Sky Unlimited Inter-Global
Marketing Inc.
Entity No. C2603403
Date Filed 01/20/2004
Status: Suspended
Jurisdiction: California
Entity Address: 22020 Clarendon St. Ste
201C, Woodland Hills CA 91367

38. Sky Unlimited
• Agent for Service of Process Herbert
Policarpio
Agent Address: 22020 Clarendon St Ste
201C Woodland Hills CA 91367

39. Wealth Vision Intl Inc
• Entity No. C3071643
Date Filed: 12/31/2007
Status: Suspended Jurisdiction: California
Address 10901 Gloria St. Granada Hills CA
91344
Agent for Service of Process: Herbert
Policarpio
Address: 10901 Gloria St Granada Hills
CA 91344

40. Capital One
• PO Box 21887
Eagan, MN 55121-0887
6-752-50889-0001335-001-1-000-000-000000
Jose Malavega
Soledad Malavega
1064 91201
AR201

41. Loan No. 0557013141
SPOT
• Dear Mortgagor(s)
Payment Change Notice
In accordance with the terms of your Note,
the interest rate on the mortgage will be
adjusted to 3.37500%

42. Capital One
• Stephen Z
Account Manager
(877)230-8516
Extension 443-7106

43. Beware
• Beware of Foreclosure Rescue Scams. Help
is Free!
There is never a fee to get assistance or
information about the Making Home
Affordable program from your lender or
HUD-approved housing counselor.

44. HUD-approved
Counselor
• http://www.hud/gov/offices/hsg/sfh/hcc/fc or
call 888-995-HOPE.
Beware of any person or organization that
asks you to pay a fee in exchange for
housing counseling services or
modifications of a delinquent loan.

45. Beware
• Beware of anyone who says they can “save”
your home if you sign or transfer over the
deed to your house. Do not sign over the
deed of your property to any organization
or individual unless you are working
directly with your mortgage company to
forgive your debt. Never make mortgage
payments to anyone other than your
mortgage company without their approval.

46. Recorded May 14, 2013
• As Doc No. 20130721367
By s/ PETER SAR
LSI Title Company

47. Recording requested by
• Quality Loan Service Corp
When recorded mail to:
Quality Loan Service Corp.
2141 5th Ave.
San Diego, CA 92101

48. • TS No. CA-11-484130-VF
• Order No. 110561498-CA-GTI
• APN No. 5623-040-009

49. Notice of Default and Election
to Sell Under Deed of Trust
• If your property is in foreclosure because
you are behind in your payments, it may be
sold without any court action, and you may
have the legal right to bring your account in
good standing by paying all of your past due
payments plus permitted costs and
expenses within the time permitted by law
for reinstatement of your account, which is
normally 5 business days prior to the date

50. • set for the sale of your property. No sale
date may be set until approximately 90 days
from the date this Notice of Default may
be recorded (which date of recordation
appears on this notice). This amount is
$145,682.96 as of 5/10/2013 and will
increase until your account becomes
current.

51. • While your property is in foreclosure, you
still must pay other obligations such as
insurance and taxes) required by your note
and deed of trust or mortgage. If you fail
to make future payments on the loan, pay
taxes on the property, provide insurance on
the property, or pay other obligations as
required in the note and deed of trust or
mortgage, the beneficiary or mortgagee
may insist that you do so in order to
reinstate your account in good standing.

52. • In addition, the beneficiary or mortgagee
may require as a condition of reinstatement
that you provide reliable written evidence
that you paid all senior liens, property
taxes, and hazard insurance premiums.

53. • Upon your written request, the beneficiary
or mortgagee will give you a written
itemization of the entire amount you must
pay. You may not have to pay the entire
unpaid portion of your account, even
though full payment was demanded, but you
must pay all amounts in default at the time
payment is made. However, you and your
beneficiary or mortgagee may mutually
agree in writing prior to the time the
notice prior to the time the notice of sale
is posted (which may not be earlier than

54. • three-months after this Notice of Default is
recorded) to, among other things, (1)
provide additional time in which to cure
the default by transfer of the property or
otherwise, or (2) establish a schedule of
payments in order to cure your default; or
both (1) and (2).

55. • Following the expiration of the time period
referred to in the first paragraph of this
notice, unless the obligation being
foreclosed upon or separate written
agreement between you and your creditor
permits a longer period, you have only hte
legal right to stop the sale of your property
by paying the entire amount demanded by
your creditor.

56. To find out the amount you must pay, or arrange for
payment to stop the foreclosure, or if your property is
in foreclosure for any other reason, contact:
• Deutsche Bank National Trust Company as
Trustee for BCAP Trust LLC 2007-AA4
c/o Quality Loan Service Corp
2141 5th Avenue
San Diego, CA 92101
(619)645-7711

57. • If you have any questions, you should
contact a lawyer or the governmental
agency which may have insured your loan.
Notwithstanding the fact that your
property is in foreclosure, you may offer
your property for sale provided the sale is
concluded prior to the conclusion of the
foreclosure.

58. • Remember,YOU MAY LOSE LEGAL
RIGHTS IF YOU DO NOT TAKE PROMPT
ACTION.

59. • NOTICE IS HEREBY GIVEN: That the
undersigned is either the original trustee,
the duly appointed substituted trustee, or
acting as agent for the trustee or
beneficiary under a Deed of Trust dated
3/6/2007, executed by Jose Malavega and
Soledad Malavega, husband and wife as
joint tenants, as Trustor, to secure certain
obligations in favor of Mortgage
Electronic Registration Systems, Inc., as
Nominee for Chevy Chase Bank, F.S.B.,

60. • as beneficiary, recorded 3/9/2007, as
Instrument No. 20070519144, of Official
Records in the Official Records in the
Office of the Recorder of Los Angeles
County, California describing land therein;
as more fully described in said Deed of
Trust.

61. • Said obligations including 1 Note(s) for the
original sum of $517,950, that the beneficial
interest under such Deed of Trust and the
obligations secured thereby are presently
held by the beneficiary; that a breach of,
and default of, and default in, the obligations
for which such Deed of Trust is security has
occurred in that payment in that payment
has not been made of:

62. • The installments of principal and interest
which became due on 9/1/2009 and all
subsequent installments of principal and
interest through the date of this Notice,
plus amounts that are due for late charges,
delinquent property taxes, insurance
premiums, advances made on senior liens,
taxes and/or insurance, trustee’s fees, and
any attorney fees and court costs arising
from or associated with the beneficiaries

63. • efforts to protect and preserve its security,
all of which must be paid as a condition of
reinstatement, including all sums that shall
accrue through reinstatement or pay-off.
Nothing in this notice shall be construed as
a waiver of any fees owing to the
Beneficiary under the Deed of Trust
pursuant to the terms of the loan
documents.

64. • That by reason thereof, the present
beneficiary under such deed of trust, has
executed and delivered to said duly
appointed Trustee, a written Declaration of
Default and Demand for same, and has
deposited with said duly appointed Trustee,
such deed of trust and all documents
evidencing obligations secured thereby, and
has declared and does hereby declare all
sums secured thereby immediately due and
payable and has elected and does hereby

65. • elect to cause the trust property to be sold
to satisfy the obligations secured thereby.
The Mortgage Servicer declares that it has
contacted the borrower, tried with due
diligence to contact the borrower as
required by California Civil Code 2923.55,
or is otherwise exempt from the
requirements of 2923.55. Pursuant to the
attached declaration incorporated herein
and made a part hereof by this reference.

66. • If you have previously been discharged
through bankruptcy, you may have been
released of personal liability for this loan in
which case this letter is intended to
exercise the note holders right’s against the
real property only. As required by law, you
are hereby notified that a negative credit
report reflecting on your credit record may
be submitted to a credit reporting agency if
you fail to fulfill the terms of your credit
obligations.

67. • This office is attempting to collect a debt
and any information obtained will be used
for that purpose.
Dated: 5/10/2013
Quality Loan Service Corp, Trustee
By: Hannah Adye, Assistant Secretary

68. California Declaration2923.55(c))
of Compliance
(Cal. Civ. Code
Borrower(s) Jose Malavega, Soledad Malavega
Property Address: 1064 Willard Ave., Glendale
Ca 91201
Trustee Sale No. CA-11-484130-VF
The undersigned, as an authorized agent or
employee of the mortgage servicer named below,
declares as follows:

69. • 1. [
] The mortgage servicer has contacted
the borrower to assess the borrower’s
financial situation and explore options for
the borrower to avoid foreclosure as
required by California Civil Code
2923.55(b)(2). Initial contact was made on
____
• 2. [x] The mortgage servicer has tried with
due diligence to contact the borrower as
required by California Civil Code
2923.55(f) but has not made contact
despite such

70. • due diligence. The due diligence efforts
were satisfied on 10/14/11.
•[
] No contact was required because the
individual did not meet the definition
“borrower” under California Civil code
2920.5(c).

71. • 4. [
] The requirements of California Civil
Code 2923.55 do not apply because the
loan is not secured by a first lien mortgage
or deed of trust on “owner-occupied”
residential real property as defined by
California Civil Code 2924.15

72. • I certify that this declaration is accurate,
complete and supported by competent and
reliable evidence which the mortgage
servicer has reviewed to substantiate the
borrower’s default and the right to
foreclose, including the borrower’s loan
status and loan information.

73. • Dated: 1/17/13
Capital One, N.A.
Printed Name of Agent or Employee:
Chandra Aldridge

74. Summary
• Due to income changes with the Malavegas,
they paid about $3,000 to Joseph Policarpio
for a loan modification (see the cease and
desist order from the DRE from search
engine). Malavega does not recall signing
any sale or transfer. Deed has EDD lien
due to unpaid payroll taxes of (name of
company? for $108,000.

75. Real Estate Lawyer
Wanted
• To make letter to the EDD to dispute the
attachment of lien because he did not
transfer or sold the property for $0. No
where in the history that Jose Malavega
sold the 1064 Willard Ave. house for $0.
Request signed document that Jose
Malavega sold the house for $0.
1% Short Sale Coordinating Fee

76. • Lucille Atillo signifies interest to assume
mortgage at negotiated $1,500 per month,
purchase house or assume mortgage.

77. • Property cannot be sold on short sale due
to EDD Lien.