Motion For Clerk To Reassign Case To Another Judge

Filing # 36445015 E-Filed 01/12/2016 12:09:42 PM
THIS IS NOT A COMMERCIAL FORCLOSURE
IN THE CIRCUIT COURT OF THE

FIFTH JUDICIAL CIRCUIT FLORIDA
IN AND FOR MARION COUNTY
REVERSE MORTGAGE SOLUTIONS, INC.,

Plaintiff,
vs.
CASE NO.: 2013-CA-000115

42-2013-CA-000115-AXXX-XX
Residential HECM Foreclosure Case
Florida Homestead of Neil J. Gillespie
NEIL J. GILLESPIE AND MARK GILLESPIE

AS CO-TRUSTEES OF THE GILLESPIE
FAMILY LIVING TRUST AGREEMENT
DATED FEBRUARY 10, 1997, ET AL.
Defendants.
________________________________________/
DEFENDANTS MOTION FOR CLERK TO REASSIGN CASE TO ANOTHER JUDGE
Rule 2.330(j) Florida Rules of Judicial Administration
Defendant Neil J. Gillespie, individually, and as former Trustee (F.S. Ch. 736 Part III) of
the terminated Gillespie Family Living Trust Agreement Dated February 10, 1997 (Terminated
Trust), an indigent non-lawyer, unable to obtain adequate counsel, a consumer of legal and court
services affecting interstate commerce, a consumer of personal, family and household goods and
services, consumer transactions in interstate commerce, a person with disabilities, and a vulnerable
adult, henceforth in the first person, reluctantly appears pro se, and moves under Rule 2.330(j)
Florida Rules of Judicial Administration, for the Clerk to reassign this case to another judge:
1.
On November 11, 2015 the Clerk docketed AFFIDAVIT OF NEIL J. GILLESPIE
MOTION TO DISQUALIFY JUDGE HALE STANCIL NOV-09-2015, Filing # 34313389

E-Filed 11/11/2015 03:01:30 AM. Exhibit 1.
2.
My affidavit and motion to disqualify Judge Hale Stancil that appears at Exhibit 1 was
served on Judge Stancil by the Florida Portal (Exhibit 2) on November 11, 2015 at 3:01 AM at
the email address that appears on The Florida Bar online directory page for Judge Stancil,
Flroida Bar ID 165425, [email protected] (Exhibit 3).

3.
January 12, 2016
My affidavit and motion to disqualify Judge Hale Stancil that appears at Exhibit 1 was
also provided to Judge Stancil by United Parcel Service (UPS) tracking #1Z64589FP296682800.
Proof of Delivery November 12, 2015 at 10:36 AM, and shipping, appear at Exhibit 4.
4.
Judge Hale Stancil has NOT within 30 days filed with the clerk evidence of a ruling on
my affidavit and motion to disqualify Judge Stancil that appears at Exhibit 11.
5.
Judge Hale Stancil has NOT within 30 days provided me evidence of a ruling on my
affidavit and motion to disqualify Judge Stancil that appears at Exhibit 1.

6.
Pursuant to Rule 2.330(j) Florida Rules of Judicial Administration,

(j) Time for Determination. The judge shall rule on a motion to disqualify immediately,
but no later than 30 days after the service of the motion as set forth in subdivision (c). If
not ruled on within 30 days of service, the motion shall be deemed granted and the
moving party may seek an order from the court directing the clerk to reassign the case.
7.
Judge Stancils 30 days time to respond under Rule 2.330(j) expired December 11, 2015.
8.
Because of the forgoing facts, and Rule 2.330(j), my affidavit and motion to disqualify
Judge Hale Stancil that appears at Exhibit 1 is deemed granted. I hereby move for an order from
the court directing the clerk to reassign the case.
WHEREFORE, I move for an order from the court directing the clerk to reassign this case.
RESPECTFULLY SUBMITTED January 12, 2016.
Neil J. Gillespie, individually, and former Trustee,

F.S. Ch. 736 Part III, of the Terminated Trust
8092 SW 115th Loop
Phone: 352-854-7807
Ocala, Florida 34481
mail: [email protected]
Judge Stancil entered an order December 12, 2015 that denied my motion to disqualify filed
December 6, 2015. But Judge Stancil has not ruled on the instant motion to disqualify.
2

January 12, 2016
Service List January 12, 2016

I hereby certify the following names were served by email today January 12, 2016
through the Florida Portal.
Neil J. Gillespie
The Honorable Hale R. Stancil
Email: [email protected]
Marion County Judicial Center
110 N.W. 1st Avenue
Ocala, FL 34475
Mr. Curtis Wilson, Esq.
McCalla Raymer, LLC
225 E. Robinson Street, Ste. 660
Orlando, FL 32801
Ms. Colleen Murphy Davis, AUSA

400 N. Tampa Street, Suite 3200
Tampa, FL 33602
[email protected]
Gregory C. Harrell
General Counsel to David R. Ellspermann,
Marion County Clerk of Court & Comptroller
P.O. Box 1030
Ocala, Florida 34478-1030
David R. Ellspermann Marion County Clerk

of Court & Comptroller
P.O. Box 1030
Ocala, Florida 34478-1030
Development & Construction Corporation

of America, c/o Carol Olson, Vice President
of Administration and Secretary-Treasurer,
for RA Priya Ghumman
10983 SW 89 Avenue
Ocala, FL 34481
Oak Run Homeowners Association, Inc.

c/o Board of Directors, [email protected]
Neil J. Gillespie and Mark Gillespie as Co-Trustees of the Gillespie Family Living Trust
Agreement dated February 10, 1997
8092 SW 115th Loop
Ocala, FL 34481
3

Neil J. Gillespie
8092 SW 115th Loop
Ocala, FL 34481
January 12, 2016
Mark Gillespie
7504 Summer Meadows Drive
Ft. Worth, TX 76123
Unknown spouse of Mark Gillespie n/k/a Joetta Gillespie

Ft. Worth, TX 76123
Unknown Settlors/Beneficiaries of The Gillespie Family Living Trust Agreement dated
February 10, 1997
8092 SW 115th Loop
Ocala, FL 34481
Elizabeth Bauerle n/k/a Elizabeth Bidwood
7504 Summer Meadow Drive
Ft. Worth, TX 76123
Unknown spouse of Elizabeth Bauerle

6356 SW 106th Place
Ocala, FL 34476
Filing # 34313389 E-Filed 11/11/2015 03:01:30 AM


CASE NO.: 2013-CA-000115
42-2013-CA-000115-AXXX-XX
Plaintiff,
vs.
Residential Home Foreclosure Case


Defendants.
________________________________________/
STATE OF FLORIDA
COUNTY OF MARION
)
) SS.:
)
AFFIDAVIT OF NEIL J. GILLESPIE

MOTION TO DISQUALIFY JUDGE HALE STANCIL NOV-09-2015
BEFORE ME, this day personally appeared NEIL J. GILLESPIE, who, upon oath,
deposes and says:
1.
I am over the age of eighteen and am competent to testify as to the facts and matters set
forth herein;
2.
I make this affidavit upon personal knowledge of the matters set forth herein unless
otherwise stated;
3.
Today November 9, 2015 the Marion County Clerks public online docket in the above
captioned case shows Default Entered at document no. 228, 3 pages. (Exhibit 1)
4.
The document appearing today November 9, 2015 as document no. 228 at the Default
Entered location described in paragraph 3 appears at Exhibit 2, but does not show that default
was entered. Instead, there is a hand-written message in the signature block for the Clerk of the
Circuit Court of the document, which is MOTION TO DEFAULT dated November 3, 2015
and signed by Curtis Wilson, a/k/a Curtis Alan Wilson (Fla. Bar No. 77669) of McCalla Raymer,
LLC, Filing # 33997561 E-Filed 11/03/2015 at 12:50:25 PM. The hand-written message states:
Default Not Entered Against Elizabeth Bauerle [By] Motion Filed W/The Clerk
10/28/15 - you may Request A Judicial Default followed by NH with a circle
around, and 11.9.15 below

TO DISQUALIFY JUDGE HALE STANCIL NOV-09-2015
November 9, 2015
5.
Attorney Curtis Wilson is also known as Curtis Wilson, Esq., and is also known as Curtis
Alan Wilson, Fla. Bar No. 77669, of McCalla Raymer, LLC, and perhaps other names. See the
Florida Bar attorney directory page for Curtis Alan Wilson, Fla. Bar No. 77669. (Exhibit 3).
6.
The foregoing is evidence of a criminal conspiracy between Judge Hale Stancil, Clerk
David R. Ellspermann and attorney Curtis Wilson a/k/a/ Curtis Alan Wilson, against Chapter
777, Florida Statutes, and section 777.04 Attempts, solicitation, and conspiracy.
7.
On November 6, 2015 document no. 225 appeared as a 2 page locked eFiled document
on the Marion County Clerks public online docket. (Exhibit 4).
8.
Today November 9, 2015 document no. 225 was not locked and shows AFFIDAVIT
OF CONSTRUCTIVE SERVICE FL BAR NO. 77669 (Unofficial Document, Exhibit 5) by
Curtis Wilson, Esq. (but signed Curtis Wilson Nov-03-2015) also known as Curtis Alan Wilson,
Fla. Bar No. 77669. The Unofficial Document, AFFIDAVIT OF CONSTRUCTIVE SERVICE
FL BAR NO. 77669, (Exhibit 5) states in relevant part:
Before me, the undersigned authority, personally appeared, Curtis Wilson, Esq, who, first
being duly sworn, deposes and says:
1.
Affiant is the attorney for the Plaintiff in this action. He has retained the services
of Provest, LLC to make diligent search and inquiry to discover the name and residence
of UNKNOWN SETTLORS BENEFICIARIES OF THE GILLESPIE FAMILY
LIVING TRUST AGREEMENT DATED FEBRUARY 4, 1997, Defendant(s) in this
action and they are set forth in this statement as particularly as is investigated by them.
2.
After making diligent search and inquiry, the residence of said Defendant(s)
UNKNOWN SETTLORS BENEFICIARIES OF THE GILLESPIE FAMILY LIVING
TRUST AGREEMENT DATED FEBRUARY 4, 1997, is unknown to and Provest, LLC
is unable to determine if said Defendant(s) are living or dead.
3.
The Defendant is over the age of 18 years
9.
DEFENDANTS ANSWER TO VERIFIED COMPLAINT TO FORECLOSE HOME
EQUITY CONVERSION MORTGAGE (HECM); DEFENSES AND CLAIMS IN
RECOUPMENT; OTHER DEFENSES; COUNTER-CLAIMS; AND CROSS-CLAIMS, Filing
# 23275828 E-Filed 02/03/2015 01:25:45 AM, appears as Exhibit 6, a separate 32 page volume,
and negates the preceding AFFIDAVIT OF CONSTRUCTIVE SERVICE FL BAR NO. 77669.
10.
The foregoing is a continuation of the criminal conspiracy of Judge Hale Stancil, Clerk
David R. Ellspermann, and attorney Curtis Wilson, a/k/a Curtis Alan Wilson, see
DEFENDANT GILLESPIES RULE 1.150 MOTION TO STRIKE SHAM PLEADINGS
Notice of Criminal Conspiracy: Judge Stancil, Clerk Ellspermann and attorney Curtis Wilson

November 9, 2015
11.
Therefore I move to disqualify Judge Stancil as judge in this action under Fla. Stat.
38.10, Rule 2.330 Fla. R. Jud. Admin., the Code of Judicial Conduct for the State of Florida, and
Supreme Court of Florida Administrative Order No. AOSC14-66, because I fear that I will not
receive a fair trial in this cause because of specifically described prejudice or bias of the judge.
12.
The specific grounds in support of this affidavit and motion are the foregoing paragraphs 1
through 14, which are reiterated here as if set forth in full here.
13.
I have a reasonable fear of not receiving a fair trial before Judge Hale Stancil and
becoming the target of further deprivation of rights under color of law, intimidation, interference,
and/or retaliation in part for having exercised and asserted my civil rights and disability rights
under the Constitution and laws of the United States, and of Florida, and International Law.
Florida Code of Judicial Conduct
14.
Fla. Code Jud. Conduct, Canon 3E(1) A judge shall disqualify himself or herself where
his or her impartiality might reasonably be questioned.
Memorandum of Law
Note: The old Rule 2.160 Fla. R. Judicial Admin. has been replaced by Rule 2.330.
15.
Litigant's right to impartial judge. The importance of the duty of rendering a righteous
judgment is that of doing it in such a manner as would raise no suspicion of the fairness and
integrity of the judge. State ex rel. Arnold v. Revels, 113 So.2d 218, Fla.App. 1 Dist.,1959.
Every litigant is entitled to nothing less than the cold neutrality of an impartial judge, (Mathew
v. State, 837 So.2d 1167, Fla.App. 4 Dist.,2003.) and the law intends that no judge will preside
in a case in which he or she is not wholly free, disinterested, impartial, and independent. State v.
Steele, 348 So.2d 398, Fla.App. 1977. When a judge enters into the proceedings and becomes a
participant, a shadow is cast upon judicial neutrality so that his or her disqualification is
required. Evans v. State, 831 So.2d 808, Fla.App. 4 Dist., 2002.
16.
The conditions requiring the disqualification of the judge to act in that particular case are
prescribed by statute. 38.02 Fla. Stat. The basic tenet for the disqualification of a judge is that a
judge must satisfy the appearance of justice. Hewitt v. State, 839 So.2d 763, Fla.App. 4 Dist.,
2003. The question of disqualification focuses on those matters from which a litigant may
reasonably question a judge's impartiality rather than the judge's perception of his or her ability
to act fairly and impartially. Wargo v. Wargo, 669 So.2d 1123, Fla.App. 4 Dist.,1996.
17.
The term "recusal" is most often used to signify a voluntary action to remove oneself as a
judge; however, the term "disqualification" refers to the process by which a litigant may seek to
remove a judge from a particular case. Sume v. State, 773 So.2d 600, Fla.App. 1 Dist.,2000.
Question whether disqualification of a judge is required focuses on those matters from which a
litigant may reasonably question a judge's impartiality rather than the judge's perception of his
ability to act fairly and impartially. Wests F.S.A. Code of Jud. Conduct, Canon 3(E)(1), Stevens
v. Americana Healthcare Corp. of Naples, 919 So.2d 713 (Fla. Dist. Ct. App. 2d Dist. 2006).
3

November 9, 2015
Question of disqualification of a trial judge focuses on those matters from which a litigant may
reasonably question a judge's impartiality rather than the court's own perception of its ability to
act fairly and impartially. Wests F.S.A. 38.10, Valdes-Fauli v. Valdes-Fauli, 903 So.2d 214,
Fla.App. 3 Dist.,2005 reh'g denied, (Feb. 17, 2005).
18.
Sufficiency of motion or affidavit of prejudice. A motion to disqualify must show that the
party fears that he or she will not receive a fair trial or hearing because: (1) of a specifically
described prejudice or bias of the judge; Fla. R. Jud. Admin., Rule 2.160 (d)(1). Generally, the
critical determination in deciding the legal sufficiency of a motion to disqualify has been
whether the facts alleged would prompt a reasonably prudent person to fear he or she would not
receive a fair trial, Barnhill v. State, 834 So.2d 836 Fla., 2002. If a motion to recuse is
technically sufficient and the facts alleged therein also would prompt a reasonably prudent
person to fear that he or she could not get a fair and impartial trial from the judge, the motion is
legally sufficient and should be granted. Coleman v. State, 866 So.2d 209, Fla.App. 4 Dist.,2004.
The motion to disqualify a judge should contain facts germane to the judge's undue bias,
prejudice, or sympathy. Chamberlain v. State, 881 So.2d 1087, Fla., 2004.
19.
Whether a motion to disqualify a judge is legally sufficient requires a determination as to
whether the alleged facts would create in a reasonably prudent person a well-founded fear of not
receiving a fair and impartial trial. Fla. R. Jud. Admin., Rule 2.160 (f), Rodriguez v. State, 919
So.2d 1252, Fla.,2005, as revised on denial of reh'g, (Jan. 19, 2006). The primary consideration
in determining whether motion to disqualify trial judge should be granted is whether the facts
alleged, if true, would place a reasonably prudent person in fear of not receiving a fair and
impartial trial. Arbelaez v. State, 898 So.2d 25, Fla.,2005, reh'g denied, (Mar. 18, 2005). A
motion for disqualification must be granted if the alleged facts would cause a reasonably prudent
person to have a well-founded fear that he/she would not receive a fair and impartial trial. Jarp v.
Jarp, 919 So.2d 614, Fla.App. 3 Dist.,2006. The test a trial court must use in determining
whether a motion to disqualify a judge is legally sufficient is whether the facts alleged would
place a reasonably prudent person in fear of not receiving a fair and impartial trial. Scott v. State,
909 So.2d 364, Fla.App. 5 Dist.,2005, reh'g denied, (Sept. 2, 2005). The motion to disqualify a
judge must be well-founded and contain facts germane to the judge's undue bias, prejudice, or
sympathy. Scott v. State, 909 So.2d 364, Fla.App. 5 Dist.,2005, reh'g denied, (Sept. 2, 2005).
20.
Disqualification is required when litigants demonstrate reasonable, well-grounded fear
that they will not receive fair and impartial trial, or that judge has pre-judged case. Williams v.
Balch, 897 So.2d 498, Fla.App. 4 Dist., 2005.
21.
Time for filing motion; waiver of objection. A motion to disqualify shall be filed within a
reasonable time not to exceed 10 days after discovery of the facts constituting the grounds for the
motion and shall be promptly presented to the court for an immediate ruling. Fla. R. Jud.
Admin., Rule 2.160(e). Although a petition to disqualify a judge is not timely filed,
extraordinary circumstances may warrant the grant of an untimely motion to recuse. KlapperBarrett v. Nurell, 742 So.2d 851, Fla.App. 5 Dist.,1999.
22.
Judicial determination of initial motion. The judge against whom an initial motion to
disqualify us directed shall determine only the legal sufficiency if the motion an shall not pass on
4

November 9,2015
the truth of the facts alleged. Fla. R. Judicial Admin. 2.160(t). No other reason for denial shall
be stated, and an order of denial shall not tale issue with the motion. Fla. R. Judicial Admin.
2.160(t). Accordingly, a judge may not rule on the truth of the facts alleged or address the
substantive issues raised by the motion but may only determine the legal sufficiency of the
motion. Knarich v. State, 866 So.2d 165 (Fla. Dist. Ct. App. 2d Dist. 2004). In determining
whether the allegations that movant will not receive a fair trial so as to disqualify a judge are
sufficient, the facts alleged must be taken as true (Frengel v. Frengel, 880 So.2d 763, Fla.App. 2
Dist.,2004), and must be viewed from the nlovant's perspective. Siegel v. State, 861 So.2d 90,
Fla.App. 4 Dist.,2003.
23.
Case law forbids trial judges to refute facts set forth in a motion to disqualify, and their
doing so will result in judicial disqualification irrespective of the facial sufficiency of the
underlying claim. Brinson v. State, 789 So.2d 1125, Fla.App. 2 Dist.,200 1. A trial judge's
attempt to refute charges of partiality thus exceeds the scope of inquiry on a motion to disqualify
and alone establishes grounds for disqualification. J & J Industries, Inc. v. Carpet Showcase of
Tampa Bay, Inc., 723 So.2d 281, Fla.App. 2 Dist.,1998.
24.
Whether the motion is legally sufficient is a pure question of law; it follows that the
proper standard of review is the de novo standard (Sume v. State, 773 So.2d 600 Fla.App. 1
Dist.,2000) and an order denying a motion to disqualify a trial judge is reviewed for abuse of
discretion. King v. State, 840 So.2d 1047, Fla.,2003.
25.
Once a motion for disqualification has been filed, no further action can be taken by the
trial court, even if the trial court is not aware of the pending motion. Brown v. State
863 So.2d 1274, Fla.App. 1 Dist.,2004. A judge presented with a motion to disqualify him- or
herself must rule upon the sufficiency of the motion immediately and may not consider other
matters before considering the disqualification motion. Brown v. State 863 So.2d 1274, Fla.App.
1 Dist.,2004. The court is required to rule immediately on the motion to disqualify the judge,
even though the movant does not request a hearing. Fuster-Escalona v. Wisotsky, 781 So.2d
1063, Fla.,2000. The rule places the burden on the judge to rule immediately, the movant is not
required to nudge the judge nor petition for a writ of mandamus. G.C. v. Department of Children
and Families, 804 So.2d 525 Fla.App. 5 Dist., 2002.
The undersigned movant certifies that the motion and the movant's statements are made
in good faith.
Under penalties of perjury, I declare that I have read the foregoing motion and the facts
stated in it are true.
FURTHER AFFIANT SAYETH NOT,

November 9, 2015
The foregoing instrument was acknowledged before me, this

daX of November, 2015,
by Neil J. Gillespie, who is personally known to me, or who has produced fL
L
as
identification and states that he is the person who made this affidavit and that its contents are
truthful to the best of his knowledge.
(SEAL)
~~
TAISHA MORAN
NOTARY PUBLIC
STATE OF FLORtOA
Comm# FF011703
Expires 412412017
My Commission Expires:
NOTARY PUBLIC
TatsHe= H QCQ.n '

Print Name ofN~ry Public
L//:J 41 ~ 0/7 .

TO DISQUALIFY JUDGE HALE STANCIL
November 9, 2015
Certificate of Service
I hereby certify that today November 11, 2015 I served the forgoing to the following names on
the Florida E-filing Portal.
Judge Hale Stancil, Email: [email protected]
VIA UPS No. 1Z64589FP296682800
Judge Hale Stancil
110 N.W. 1st Avenue
Ocala, FL 34475
Curtis Wilson a/k/a Curtis Alan Wilson (Fla. Bar No. 77669)
McCalla Raymer LLC
Neil J. Gillespie
8092 SW 115th Loop
Ocala, FL 34481
Tel: 352-854-7807
https://www.civitekflorida.com/ocrs/app/caseinformation.xhtml?query=CyTsX_QZPFTZAwafrJy-kIzdO_L9qvQZMhxhqjI3WY8
Case Information
New Search Expand All
422013CA000115CAAX01/09/2013
STANCIL, HALE R
JUDGE
REVERSE
MORTGAGE
SOLUTIONS INC
PLAINTIFF
GILLESPIE, NEIL J
DEFENDANT
OAK RUN
HOMEOWNERS
ASSOCIATION
DEFENDANT
UNITED STATES
OF AMERICA
DEFENDANT
BAUERLE,
ELIZABETH
DEFENDANT
GILLESPIE, MARK
DEFENDANT
GILLESPIE, NEIL J
DEFENDANT
DEVELOPMENT &
CONSTRUCTION
COR
DEFENDANT
GILLESPIE, JOETTA
DEFENDANT
MARION
Circuit Civil 37-D
WILSON, CURTIS
ALAN
77669
CAPARAS, TIFFANY
89863
OPEN
228
11/09/2015
DEFAULT ENTERED
225
11/06/2015
AFFIDAVIT OF CONSTRUCTIVE SERVICE
226
11/06/2015
MOTION TO STRIKE SHAM PLEADINGS
97
227
11/06/2015
AFFIDAVIT OF NEIL J GILLESPIE AND MOTION TO DISQUALIFY 14
224
11/04/2015
CERTIFICATE OF FILING
220
11/03/2015
EFILED MOTION FOR DEFAULT
221
11/03/2015
222
11/03/2015
AFFIDAVIT OF INABILITY TO DETERMINE MILITARY STATUS
223
11/03/2015
218
06/18/2015
NOTICE OF FILING APPEAL TO FLORIDA SUPREME COURT
51
https://www.floridabar.org/wps/portal/flbar/home/attysearch/mprofile/!ut/p/a1/jc_LDoIwEAXQT-pthRaWo6mkRazxgdCNYUWaKLowfr_42LioOrtJz...
Ethics
ABOUT THE BAR
NEWS & EVENTS
FOR THE PUBLIC
MEMBER SERVICES
Rules
LOG IN
Professionalism
Log In
FIND A LAWYER
Search The Florida Bar
THE FLORIDA BAR / Find A Lawyer / Profile
Curtis Alan Wilson

Member in Good Standing
Bar Number:
77669
Mail Address:
Email:
225 E Robinson St Ste 660

Orlando, FL 32801-4321
United States
Office: 407-674-1850 x2915
[email protected]
Personal Bar URL:
www.floridabar.org/mybarprofile/77669
Eligible to Practice Law in Florida
vCard:
County:
Orange
Circuit:
Admitted:
04/20/2010
Young Lawyers
Division:
Member
10-Year Discipline
None
History:
Law School:
Florida Coastal School of Law, 2009
Sections:
Young Lawyers
Federal Courts:
U.S. Court of Appeals for the Eleventh Circuit

U.S. District Court, Middle District of Florida
U.S. District Court, Northern District of Florida
Firm:
McCalla Raymer, LLC.
Firm Size:
51 to 100
Firm Position:
Associate
Firm Website:
www.McCallaRaymer.com
The Find a Lawyer directory is provided as a public service. The Florida Bar maintains limited basic information about attorneys licensed to practice in the state (e.g., name, address, year of
birth, gender, law schools attended, admission year). However, through this directory The Florida Bar allows individual attorneys the opportunity to provide for public information certain
expanded personal and professional data. It is the attorney's responsibility to routinely review and update those expanded listings. The information contained in those expanded listings is
presented by the Bar "as is" with no warranty of any kind, express or implied. The Florida Bar, its Board of Governors, employees, and agents thereof are not responsible for the accuracy of
that additional data. Publication of attorneys' contact information within this listing should not be construed as their consent to receive unsolicited communications in any form. Certain
unauthorized uses of this data may result in civil or criminal penalties. The Find a Lawyer directory is not a lawyer referral service.
11/6/2015 6:16 AM
About the Bar

President's Page
Board of Governors
Committees
Sections & Divisions
What We Do
Past Presidents
Frequently Asked Questions
History
Strategic Plan & Research
Working at the Bar
Contact Us
Diversity
News, Events &

Publications
Daily News Summary
The Florida Bar News
The Florida Bar Journal
News Releases
Calendars
Meetings
Media Resources
Reporter's Handbook
Issue Papers
Publications
For the Public
Member Services
Directories
Attorney Discipline
Continuing Legal Education
Lawyers
Consumer Information
Board Certification
Authorized House Counsel
Speakers Bureau
Benefits and Discounts
Courts
Employment Opportunities
Certified Foreign Legal

Consultants
The Vote's in Your Court
Lawyers Advising Lawyers
Fair & Impartial Courts
Florida Lawyers Assistance
Clients' Security Fund
E-filing Resources
Prepaid Legal Services
Practice Resource Institute
Pro Bono/Legal Aid
Pro Bono Information
Unlicensed Practice of Law
Legislative Activity
Lawyer Referral Service

Voluntary Bar Center
Research &
Professionalism
Ethics Opinions
Rules Regulating the Bar
Fastcase Legal Research
Law Faculty Affiliates
PRI - Practice Resource Institute
Florida Registered Paralegals
Henry Latimer Center for
Section Membership
Professionalism
Board Certified Lawyers

Florida Bar Staff
Courts and Judges
Legal Groups and Law Schools
Judicial Nominating Commission
Leadership Academy
11/6/2015 6:16 AM
neil.gillespie
Case Information
New Search Expand All
422013CA000115CAAX01/09/2013
STANCIL, HALE R
JUDGE
REVERSE
MORTGAGE
SOLUTIONS INC
PLAINTIFF
GILLESPIE, NEIL J
DEFENDANT
OAK RUN
HOMEOWNERS
ASSOCIATION
DEFENDANT
UNITED STATES
OF AMERICA
DEFENDANT
BAUERLE,
ELIZABETH
DEFENDANT
GILLESPIE, MARK
DEFENDANT
GILLESPIE, NEIL J
DEFENDANT
DEVELOPMENT &
CONSTRUCTION
COR
DEFENDANT
GILLESPIE, JOETTA
DEFENDANT
MARION
Circuit Civil 37-D
WILSON, CURTIS
ALAN
77669
CAPARAS, TIFFANY
89863
OPEN
225
11/06/2015
eFiled Document
224
11/04/2015
220
11/03/2015
EFILED MOTION FOR DEFAULT
221
11/03/2015
222
11/03/2015
AFFIDAVIT OF INABILITY TO DETERMINE MILITARY STATUS
11/6/2015 11:12 PM
223
11/03/2015
218
06/18/2015
NOTICE OF FILING APPEAL TO FLORIDA SUPREME COURT
51
216
06/17/2015
NOTICE OF FILING CORRECTED ORIGINAL TRANSCRIPT
217
06/17/2015
TRANSCRIPT CONT - SEE DOC
15
215
06/16/2015
NOTICE OF FILING CORRECTED ORIGINAL TRANSCRIPT
18
11/6/2015 11:12 PM
Filing # 23275828 E-Filed 02/03/2015 01:25:45 AM


Plaintiff,
vs.
CASE NO.: 2013-CA-000115

42-2013-CA-000115-AXXX-XX

Defendants.
________________________________________/
DEFENDANTS ANSWER TO VERIFIED COMPLAINT TO FORECLOSE
HOME EQUITY CONVERSION MORTGAGE (HECM); DEFENSES AND CLAIMS IN
RECOUPMENT; OTHER DEFENSES; COUNTER-CLAIMS; AND CROSS-CLAIMS
Defendants Neil J. Gillespie, individually, and as former Trustee (F.S. Ch. 736 Part III)
of the terminated Gillespie Family Living Trust Agreement Dated February 10, 1997
(Terminated Trust), a person with disabilities, indigent, denied counsel appointment, and
reluctantly appearing pro se, answers the Plaintiffs Verified Complaint To Foreclose Home
Equity Conversion Mortgage (HECM) (Verified Complaint, HECM, and/or reverse
mortgage), demand trial by jury, and allege:
1.
As to paragraph 1 of the Verified Complaint, Defendants deny the allegations. A HECM
reverse mortgage is a non-recourse loan and the lender has no further means to collect the debt.
2.
There nothing is attached to the Verified Complaint as Exhibits "A" and "B," respectively.
Previously I notified HUD and RMS that the mortgage alleged to be recorded in the public
records of Marion County was void for interlineation, a hand-written material alteration, not
initialed and not dated. See Bland v. Fidelity Trust Co., 71 Fla. 499, 71 So. 630 (1916). Under
Florida law a material alteration voids the instrument and destroys the identity of the contract
rendering it unenforceable. The interlineation is evidence of fraud by the lender and/or lenderaffiliated parties.

HOME EQUITY CONVERSION MORTGAGE (HECM); DEFENSES AND CLAIMS IN RECOUPMENT;
OTHER DEFENSES; COUNTER-CLAIMS; AND CROSS-CLAIMS
3.
As to paragraph 3 of the Verified Complaint, Defendants deny the allegations. Nothing
is attached to the Verified Complaint as Composite Exhibit "C." A HECM reverse mortgage is a
non-recourse loan and the lender has no further means to collect the debt.
4.
5.
As to paragraph 5 of the Verified Complaint, Defendants admit the allegation. Each
month the Plaintiff sends a monthly statement to Penelope Gillespie, see attached. The Plaintiff
sued the wrong party. A HECM foreclosure must commence within 6 months. 24 C.F.R.
206.125(d)(1). Bank of America gave notice October 5, 2009 the mortgage was due and payable.
The Plaintiff did not foreclose until January 9, 2013. The time has expired, even under Fla. law.
A HECM reverse mortgage is a non-recourse loan and the lender has no further means to collect
the debt.
6.
The property is the principal residence of me, Neil J. Gillespie, my homestead property, which is
exempt from levy and execution under Section 4, Article X of the Florida State Constitution.
7.
The Plaintiff filed notice of lis pendens on or about January 9, 2013. Validity of a notice of lis
pendens is one year from filing. 48.23(2), Fla. Stat. (2013). The Plaintiff failed to renew the lis
pendens and it is not valid. Pursuant to my authority as Trustee of the Trust, and acting in that
capacity, I transferred the property to the beneficiary, myself, on January 14, 2015. Pursuant to
my authority as Trustee of the Trust, and acting in that capacity, I terminated the Trust as
provided by Fla. Stat. 736.0414, and Article V, the Trust.
8.
As to paragraph 8 of the Verified Complaint, Defendants deny the allegations.
9.
10.
11.
As to paragraph 11 of the Verified Complaint, Defendants are without knowledge and
therefore deny the allegations. A HECM reverse mortgage is a non-recourse loan and the lender
has no further means to collect the debt.
12.
As to paragraph 12 of the Verified Complaint, Defendant denies the allegations. The
Plaintiff failed to perfect service on me personally and as Trustee. A HECM reverse mortgage is
a non-recourse loan and the lender has no further means to collect the debt.

13.
14.
As to paragraph 14 of the Verified Complaint, Defendants deny the allegations. The
record shows the Plaintiff failed to effectuate service of process on Defendant, NEIL J.
GILLESPIE AND MARK GILLESPIE AS CO-TRUSTEES OF THE GILLESPIE FAMILY
LIVING TRUST AGREEMENT DATED FEBRUARY 10,1997, which is not a proper party.
Pursuant to my authority as Trustee of the Trust, and acting in that capacity, I terminated the
Trust as provided by Fla. Stat. 736.0414, and Article V, the Trust. A HECM reverse mortgage
is a non-recourse loan and the lender has no further means to collect the debt.
15.
As to paragraph 15 of the Verified Complaint, Defendants deny the allegations.
16.
As to paragraph 16 of the Verified Complaint, Defendants deny the allegations. On
information and belief, the Plaintiff failed to follow the procedure for constructive service of
process, and appointment of guardian ad litem for UNKNOWN SPOUSE OF ELIZABETH
BAUERLE. A HECM reverse mortgage is a non-recourse loan and the lender has no further
means to collect the debt.
17.
18.
As to paragraph 18 of the Verified Complaint, Defendants deny the allegations. The
record shows the Plaintiff failed to effectuate service of process on UNKNOWN TENANT IN
POSSESSION 1 and UNKNOWN TENANT IN POSSESSION 2. A HECM reverse mortgage is
a non-recourse loan and the lender has no further means to collect the debt.
19.
As to paragraph 19 of the Verified Complaint, Defendants deny the allegations. ORHA is
an improper party. A HECM reverse mortgage is a non-recourse loan and the lender has no
further means to collect the debt.
20.
21.
22.
As to paragraph 22 of the Verified Complaint, Defendants deny the allegations. Plaintiff
failed to make service of process on THE UNKNOWN TRUSTEES, SETTLERS AND
BENEFICIARIES or other parties claiming an interest in the subject property by, through, under,
or against UNKNOWN SETTLERS/BENEFICIARIES OF THE GILLESPIE FAMILY LIVING
TRUST AGREEMENT DATED FEBRUARY 10, 1997. The Plaintiff failed to follow the
procedure for constructive service of process, and appointment of guardian ad litem for THE

UNKNOWN TRUSTEES, SETTLERS AND BENEFICIARIES OF UNKNOWN

SETTLERS/BENEFICIARIES OF THE GILLESPIE FAMILY LIVING TRUST AGREEMENT
DATED FEBRUARY 10, 1997. Pursuant to my authority as Trustee of the Trust, and acting in
that capacity, I terminated the Trust as provided by Fla. Stat. 736.0414, and Article V, the
Trust. A HECM reverse mortgage is a non-recourse loan and the lender has no further means to
collect the debt.
23.
The Plaintiff filed notice of lis pendens on or about January 9, 2013. Validity of a notice of lis
pendens is one year from filing. 48.23(2), Fla. Stat. (2013). The Plaintiff failed to renew the lis
pendens and it is not valid. Pursuant to my authority as Trustee of the Trust, and acting in that
capacity, I transferred the property to the beneficiary, myself, on January 14, 2015. Pursuant to
my authority as Trustee of the Trust, and acting in that capacity, I terminated the Trust as
provided by Fla. Stat. 736.0414, and Article V, the Trust.
DEFENDANTS DEFENSES AND CLAIMS IN RECOUPMENT, Sec. 673.3051 Fla. Stat.
See the AFFIDAVIT OF NEIL J. GILLESPIE - DEFENSES AND CLAIMS IN
RECOUPMENT, Section 673.4051(1)(a), Fla. Stat. lack of legal capacity of the borrower
Section 673.3051, Florida Statutes, provides for defenses and claims in recoupment.
Subpart (1)(a)2. provides a defense for "lack of legal capacity, or illegality of the
transaction which, under other law, nullifies the obligation of the obligor;"
3. Fraud that induced the obligor to sign the instrument with neither knowledge nor
reasonable opportunity to learn of its character or its essential terms; or
Defendants hereby assert under Fla. Stat. 673.3051 all Defenses and claims in recoupment.
DEFENDANTS OTHER DEFENSES
the debt. The Plaintiff filed notice of lis pendens on or about January 9, 2013. Validity of a
notice of lis pendens is one year from filing. 48.23(2), Fla. Stat. (2013). The Plaintiff failed to
renew the lis pendens and it is not valid. Pursuant to my authority as Trustee of the Trust, and
acting in that capacity, I transferred the property to the beneficiary, myself, on January 14, 2015.
Pursuant to my authority as Trustee of the Trust, and acting in that capacity, I terminated the
Trust as provided by Fla. Stat. 736.0414, and Article V, the Trust.
The Plaintiff failed to effectuate service on the Defendants, therefore this Court does not have
lawful jurisdiction over the Defendants
Plaintiff sued the wrong party. Each month the Plaintiff sends a monthly statement to Penelope
Gillespie, see attached. The Plaintiff sued the wrong party. A HECM foreclosure must

commence within 6 months. 24 C.F.R. 206.125(d)(1). Bank of America gave notice October 5,
2009 the mortgage was due and payable. The Plaintiff did not foreclose until January 9, 2013.
The time has expired, even under Fla. law. A HECM reverse mortgage is a non-recourse loan
and the lender has no further means to collect the debt.
Statute of Limitations. A HECM foreclosure must commence within 6 months. 24 C.F.R.
206.125(d)(1). Bank of America gave notice October 5, 2009 the mortgage was due and payable.
The Plaintiff did not foreclose until January 9, 2013. The time has expired, even under Fla. law.
the debt.
DEFENDANTS COUNTER-CLAIMS
lawful jurisdiction over the Defendants, thus the Defendants counter-claims against the Plaintiff
will be brought by a separate action.
DEFENDANTS CROSS-CLAIMS
lawful jurisdiction over the Defendants, thus the Defendants cross-claims will be brought
against Counter Parties by a separate action.
RESPECTFULLY SUBMITTED February 2, 2015. CORRECTED Feb-03-2015
Neil J. Gillespie, individually, and former Trustee, F.S. Ch. 736 Part III, of the Terminated Trust
8092 SW 115th Loop
Phone: 352-854-7807
Amended Certificate of Service

CORRECTED Feb-03-2015
I Hereby Certify that I provided February 2, 2015 CORRECTED Feb-03-2015
DEFENDANTS ANSWER TO VERIFIED COMPLAINT TO FORECLOSE HOME EQUITY
CONVERSION MORTGAGE (HECM); DEFENSES AND CLAIMS IN RECOUPMENT;
OTHER DEFENSES; COUNTER-CLAIMS; AND CROSS-CLAIMS through the Florida EFiling Portal to names on the service list.
Mr. Curtis Wilson, Esq.
McCalla Raymer, LLC
225 E. Robinson Street, Ste. 660
Orlando, FL 32801
Oak Run Homeowners Association, Inc.

Registered Agent Paul Pike
11665 SW 72ND CIRCLE
OCALA, FL 34476
c/o ORHA President
Ms. Colleen Murphy Davis, AUSA

400 N. Tampa Street, Suite 3200
Tampa, FL 33602
[email protected]
[email protected]
Development & Construction Corporation of America,
c/o Carol Olson, Vice President of Administration,
and Secretary-Treasurer, for RA Priya Ghumman
10983 SW 89 Avenue
Ocala, FL 34481
Neil J. Gillespie and Mark Gillespie as Co-Trustees of the Gillespie Family Living Trust
Agreement dated February 10, 1997
8092 SW 115th Loop
Ocala, FL 34481
Neil J. Gillespie
8092 SW 115th Loop
Ocala, FL 34481
Mark Gillespie
Ft. Worth, TX 76123
Unknown spouse of Mark Gillespie n/k/a Joetta Gillespie

Ft. Worth, TX 76123
Unknown Settlors/Beneficiaries of The Gillespie Family Living Trust Agreement dated
February 10, 1997
8092 SW 115th Loop
Ocala, FL 34481
Elizabeth Bauerle n/k/a Elizabeth Bidwood

7504 Summer Meadow Drive
Ft. Worth, TX 76123
Unknown spouse of Elizabeth Bauerle

6356 SW 106th Place
Ocala, FL 34476
NOTE: Plaintiffs Counsel,

Danielle Nicole Parsons (FL Bar ID 29364),
Curtis Allen Wislon (FL Bar ID 77669), and,
McCalla Raymer, LLC, a Foreign Limited Liability Company (Georgia)
(collectively McCalla Raymer)
failed to follow the procedure for constructive service of process for Unknown Settlors
/Beneficiaries of The Gillespie Family Living Trust Agreement dated February 10, 1997, and
other unknown parties, and failed to move the Court for appointment of a representative for
unknown parties. Judge Stancil stated in open court December 18, 2014 that only a lawyer can
represent a trust, but no lawyer was appointed to represent the unknown parties, or other parties.
RESPECTFULLY SUBMITTED February 2, 2015. CORRECTED Feb-03-2015
NEIL J. GILLESPIE, individually, and as former trustee, F.S. Ch. 736 Part III
8092 SW 115th Loop
Phone: 352-854-7807
~:.!'.~
~j
RMS'"
Reverse Mortgage Solutions, Inc.
Statement Date: January 01, 2015

Year Ending: December 31, 2014
5010 Unbar Drive, Suite 100

Nashville, TN 37211
Monthly Statement
05618
PENELOPE M GILLESPIE
8092 SW 115TH LOOP
OCALA, FL 34481
*** THIS IS NOT A BILL ***

r--
Account Information - - - - - - - - - - - - -
r-
Credit Line Set Aside Information
*.
Line of Credit
Original Credit Line:
$0.00
Funded Date:
06/16/2008
Current Gross Credit Line:
$0.00
Loan #:
68011002615899
Unsch. Credit Line Disb. Bal. (-):
Borrower:
PENELOPE M GILLESPIE
Property:
8092 SW 115TH LOOP
Pay Plan Type:
Net Credit Line Set Aside (=):
OCALA, FL 34481
,-
Interest Rates
Monthly (1-Yr CMT)
Month
Index
Margin
Int. Rate
December:
January:
0.110A>
0.140A>
1.500A>
1.500A>
1.610A>
1.640A>
1.500%
1.770A>
February
(**) 0.270A>
$0.00
* Modified Term or Modified Tenure only
- - - - - - - - - - - - - - r--
Interest Rate Type:
$0.00
(Index+Margin)
Your Reverse Mortgage loan has a variable-rate feature; the monthly and
daily periodic rates may vary as a result. Please refer to important
informatIon found on the back of this monthly statement and on the
additional page.
Principal Limit Information
Original Principal Limit
$100,056.00
Current Principal Limit:
$117,213.44
Loan Balance (-):
$114,824.06
Servicing Fee Set Aside (-):
$3,638.23
Repair Set Aside (-):
$0.00
First Year Set Aside (-):
$0.00
Credit Line Set Aside (-):
$0.00
Net Principal Limit (=):
Interest Rate Information:

Loan Periodic Rates:
ANNUAL PERCENTAGE RATE (APR):
2.424,'c
Mortgage Insurance Premium (MIP) Periodic Rates:
IMonthly Periodic Rate on

IAPPlicable Principal Balance:
MIP Monthly Periodic Rate on Applicable

0.1340A>! Principal Balance:
Daily Periodic Rate on

Applicable Advances or
MIP Daily Periodic Rate on Applicable

0.004 0A> Advances or Payments:
($1,248.85)
Interest (Finance Charge):

Periodic
Finance Charge:
$153.75
~~yments:
Corresponding APR:
1.610A> Corresponding APR:
Notice of Changes in your Interest Rate on your Adjustable Rate Reverse Mortgage
On February 01, 2015, the interest rate on your adjustable-rate Reverse Mortgage will increase from 1.640A> to 1.770% . Your present
interest rate was based on an index value of 0.140A>. To determine your new interest rate, we added the current index value of 0.270A> as
of December 29,2014 as published by the Federal Reserve Bank, to the agreed upon margin of 1.500% for a total of 1.770%. This new
rate has not been rounded to the nearest 1/8th percent. The initial interest rate on your mortgage was 3.660A>, which may not be increased
beyond 13.660% during the life of the mortgage.
*Total Funds Available

Net Credit Line Set Aside + Net Principal Limit =
$0.00
*IN ORDER TO MAKE FUTURE WITHDRAWALS, YOU SHOULD MAINTAIN A MINIMUM $50.00 BALANCE IN YOUR LINE OF CREDIT
If you have any questions or would like further information on your reverse mortgage, please call our Customer Service Department.
Loan Skey: 69977

Rep.Skey: 92
2727 Spring Creek Drive, Spring, TX 77373
Phone (866) 503-5559 - Fax (866) 790-3451 - TTY/TOD (888) 827-6697
Page 1 of 4
.:fI!.
RMS'"

Nashville, TN 37211
,-
Year Ending: December 31,2014
Loan Balance Activity
Current Month
$114,592.56
Previous Loan Balance
$112,069.08
Loan Advance I Scheduled Payment (if applicable):
$0.00
$0.00
Loan Advance / Unscheduled Disbursements (if applicable):
$0.00
$0.00
Repair Set Aside Disbursements:
$0.00
$0.00
Taxes Paid:
$0.00
$0.00
$0.00
$0.00
$153.75
$0.00
$0.00
$1,828.33
$566.65
Insurance Paid:
Other Property Charges:
Interest (Finance Charge):

MIP (Finance Charge): paid to HUD:
Monthly Servicing Fee (Finance Charge):
Change of Plan Fee/Misc. (Finance Charge):
'""'"
(:
Transaction Intll'c>rmatic>n):
Total Balance
Year To Date
$47.75
$30.00
$0.00
$360.00
$0.00
$0.00
$0.00
754.98
'ity:
Closing Loan Balance as of December 31,2014
$114,824.06
$114,824.06
* Corporate Advance (not part of Loan Balance):
$197.50
$1,945.40
Transaction Information
MIP
Servicing
Fee
Cumulative * Corporate
Loan Advance (not
Advances this part of Loan
Month' Balance)
Principa.1
Advances
Interest
12/31/2014 12/31/2014 Monthly Interest, MIP Accrual & SF
$0.00
$153.75
$47.75
$30.00
$231.50 '
$0.00
$157.50
Transaction Effective
Date
Date
Transaction Description
12/29/2014 12/29/2014 Corp Adv - S306 - Other
$0.00
$0.00
$0.00
$0.00
$231.50 :
12/19/2014 12/19/2014 Corp Adv - Prop Preserve - Prop

Inspect
$0.00
$0.00
$0.00
$0.00
$231.50
$20.00
12/05/2014 12/05/2014 Corp Adv - Prop Preserve - Prop

Inspect
$0.00
$0.00
$0.00
$0.00
$231.50
$20.00
Grand Total:
$0.00
$153.75
$47.75
$30.00
$231.50 :
$197.50
(/nt) Interest - (MIP) Mortgage Insurance Premium - (SF) Servicing Fee - (Disb) Advance Disbursement - (Part Repay) Partial Repayment
Loan Skey: 69977

Rep.Skey: 92

Phone (866) 503-5559 - Fax (866) 790-3451 - TIY/TDD (888) 827-6697
Page 2 of 4
..~
R1Ct5'"
. .
I
5010 Linbar Drive, Suite 100

Nashville, TN 37211
Year Ending: December 31, 2014
A. ANNUAL PERCENTAGE RATE (APR)

The ANNUAL PERCENTAGE RATE for the interest portion of your FINANCE CHARGE may increase or decrease annually based upon changes in the
("Index"). Therefore, the monthly and daily periodic rates relating to the interest portion of your FINANCE CHARGE may vary. To detern1ine the ANNUAL
PERCENTAGE RATE that will apply to your Account, we add a margin to the value of the Index, subject to certain rate limitations as provided in your
Reverse Mortgage Note.
The corresponding annual percentage rate for the interest portion of the FINANCE CHARGE does not include costs other than interest. The historical
ANNUAL PERCENTAGE RATE includes interest and all other FINANCE CHARGES that relate to your loan.
B. FINANCE CHARGES
Each advance or payment made to you or on your behalf under your Reverse Mortgage will be subject to a FINANCE CHARGE beginning on the day after
each advance or payment is made. A FINANCE CHARGE will continue to be assessed on your Reverse Mortgage until the entire outstanding balance and
all fees due under the Notes, Security Instruments and Loan Agreement are paid.
C.INTEREST
The interest portion of the FINANCE CHARGE on your Account is computed by (i) calculating the FINANCE CHARGE on the balance existing at the
beginning of each month, which includes any payments or credits applied to your loan during the previous month, (ii) calculating the FINANCE CHARGE on
each advance, payment or credit made to you or on your behalf during the month, and then (iii) adding all of these sums together, as follows:
We start with the outstanding principal balance on your Account at the beginning of each month, which includes FINANCE CHARGES from the previous
month (the "Previous Loan Balance"). At the end of each month, we multiply the Previous Loan Balance by the then-current ANNUAL PERCENTAGE RATE
divided by 12 (the "Monthly Periodic Rate").
At the end of each month in which any advances (also known as disbursements and labeled as "Disb" on this statement) or payments have been made to
you or on your behalf, we multiply the amount of the advance or payment by the number of days remaining in the month after that advance or payment was
made (not including the day the advance was made) and then multiply this amount by the then-current ANNUAL PERCENTAGE RATE divided by 365 (the
"Daily Periodic Rate"). This calculation is repeated for each advance or payment made to you or on your behalf during the month.
The sum of the final result of these calculations equals the interest portion of your FINANCE CHARGE for the month.
D. MORTGAGE INSURANCE PREMIUMS (MIP)
In addition, mortgage insurance premiums ("MIP"), which are a FINANCE CHARGE, are computed by as follows:
At the end of each month, we multiply the lesser of the Previous Loan Balance or the maximum balance on which HUD requires MIP to be paid to it by your
MIP rate divided by 12 (the "MIP Monthly Period Rate"). At the end of each month in which any advances (also known as disbursements and labeled as
"Disb" on this statement) or payments have been made to you or on your behalf, we multiply the amount of the advance or payment (other than any advance
or payment that exceeds the maximum advances or payments on which HUD requires MIP to be paid) by the number of days remaining in the n10nth after
that advance or payment was made (not including the day the advance was made),and then multiply this amount by your MIP rate divided by 365 (the "MIP
Daily Periodic Rate"). This calculation is repeated for each advance or payment made to you or on your behalf during the month.
The sum of the final result of these calculations equals the mortgage insurance portion of your FINANCE CHARGE for the month.
E. CALCULATION OF BALANCES
The "Principal Limit Information" section on the front of the monthly statement shows your "Original Principal Limit" and your "Net Principal Limit" which
includes any "Set Asides". The "Loan Balance" section on page 2 of this monthly statement shows your prior month's Previous Loan Balance and your
current month's Closing Loan Balance, which includes the current month's activity. If you would like to determine your payoff balance or if you have any
questions on this monthly statement, please call the telephone number listed on the bottom of this monthly statement.
F. OTHER INFORMATION
We compute the interest and other fees assessed on your loan monthly. This information is available on page 2 of this monthly statement each month. Thls
monthly statement indicates both the current month and year to date interest and other fees. If you repay all or a portion of your loan balance and the annual
interest paid due to a repayment exceeds $600, a separate IRS Form 1098 will be mailed to you by January 31 st. Interest accrued on this loan, other than
repayments, will not be reported to the IRS until the loan is paid in full.
G. BILLING RIGHTS SUMMARY
In case of errors or questions about your loan monthly statement, you will need to contact us as follows:
If you think your monthly statement is wrong or you need more information about a transaction on your monthly statement, write us at Reverse Mortgage
Service Center, Attn: Billing Department, 2727 Spring Creek Drive, Spring, TX 77373. Write to us as soon as possible. We must hear from you no later than
60 days after we send you the FIRST monthly statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your
rights.
In
1.
2.
3.
your letter, give us the following information:

Your name and loan number
The dollar amount of the suspected error
Describe the suspected error and explain, if you can, why you believe there is an error.
Loan Skey: 69977

Rep.Skey: 92

Phone (866) 503-5559 - Fax (866) 790-3451 - DY/TDO (888) 827-6697
Page 3 of 4
At "
R,nS'

Nashville, TN 37211
Year EndinQ: December 31,2014
We will acknowledge your letter within 30 days. Within 90 days, we will either correct the error or explain why we believe the monthly statement was correct.
If we determine the monthly statement was not correct, we will credit the disputed amount along with any associated interest charges. While under
investigation, you will continue to see the disputed amount on your monthly statement; however, you do not have to pay any disputed amount or the interest
charges that apply to it. Even though payments are not required on a reverse mortgage, by law, you are still required to meet all obligations as outlined in
your Notes, Security Instruments and Loan Agreement. This includes paying your property taxes and insurance premiums.
H. CREDIT INFORMATION
Regular monthly installment payments are not required on this loan unless you have a repayment plan for a delinquent account. However, you have the
obligation to pay your property taxes and insurance premiums. The loan must be repaid in full in one payment if your loan has been called "Due and
Payable". Payments may be made by check, money order or wired funds, payable in U.S. Dollars. Do not send cash. Payments must be mailed to the
address listed on the bottom of this monthly statement. Payments are allocated as described in your Note.
Loan Skey: 69977

Rep.Skey: 92
2727 SprinQ Creek Drive, SprinQ, TX 77373
Phone (866) 503-5559 - Fax (866) 790-3451 - TTY/TDD (888) 827-6697
Page 4 of 4
~;":~11 J~:':~
IlIi;":,li 1~:.:a"~:':~fII~;.,:~1IJ~:'::~ III
i@tll@IIIBliimillm@tll@llfl
.. _ - ... _... _
... - ....... ... - ...
:~!!!~!!!~m~i!!~(!!~!I,~!!!:
....
-....
1 _
_
imi!\miHiliiiHTI!lllliiiiml!\mtIH
In~HI
.~~WH~H
- ... ....iH~~IIH~H
__ ... - .....
- ...n8~IIE~~
- ... i....H~
::::=;::~:::==:::==:::=~::::::;::~::::
itii@iiiBiiiiii~illliitii@iitj
:=:::=:::::=:::~==~::~:::=:::=:::::
iBHii@iiiiiimiiiHjB~iii@iiij
C)
feel
(-I.
Ll)
.,.:.
tTl
l1l
.}::l
()
Illi!IIIIII!lilillllllll!III!1
~~HiimiH@ijjmiii@iii~HiimiiH
::::.::::::::: ::::=::::==:::=:::=:::::~
_-
:::~
mtiimiHBiiiiii~illliitii@iit!
- ... - ... __ ... .. ..-.. ... - ... _- ....
mtl)lif~Hi~i!lf]ilimtijlil~
mf[l@llimlltmIIIEfIII@lilmllij
=:::=:::==:::==:::=:::=:::=:~::
@iii@iiiBiBmiiiB~iii@iii@iiij
=:::=::::=:::=::::.=:::=:::=::::
~~iiiiH@ijHBiii@iii~HiiiiH
.~;::=:::==:::==:::=:::~;::::=:::::::
tiiiiiBiiiiii~~iiitii@iiii
=:::=::;;:.=::::~:::~:::==::::=:.::;:
.".:
.....
~:
7\
.....
.t:..
1"1
.....
B~iB@iijiiimiiiiiiB~tij@iijj
mfjlmll~mllfmll(m{:{i@!:{lml:l~i
=:::=:~:==:::=:::=:::=:::=::::
miiiRiiimiiiffiiiji?:~iiimiiiRiii;
~=:::=:::=:::=;;:=:::=:::=::::
i~HiiBiHmiiimiii@iii~~iiiBHH
::::~::::q::::::~:::~:::i
:(t1k.::~
ilh:::~l!
._"..... .....
- : ..I~:::dl(~:::~lll~:::dll~:.::~
....
..
~
:-:~.-
8~
~
(IJ
tr1
e ~
(IJ
~ ~
;g
~
CB
(IJ
en :>
en ~
en
~
tr1
:>
t=
Termination of the Gillespie Family Living Trust Agreement Dated February 10,1997
STATE OF FLORIDA
COUNTY OF MARION
)
) SS.:
)
AFFIDAVIT
BEFORE ME, this day personally appeared NEIL J. GILLESPIE, who upon being duly
sworn deposed upon oath as follows:
1.
My name is Neil J. Gillespie. I am over eighteen years of age. This affidavit is given on
personal knowledge unless otherwise expressly stated.

2.
I am sole Trustee of the Gillespie Family Living Trust Agreement Dated February 10,
1997 (hereinafter "Trust").

3.
My Florida residential homestead property is the sole asset of the Trust, property address
8092 SW 115th Loop, Ocala, Florida 34481, Marion County, Florida, (the "property") where I
have lived in the property continuously and uninterruptedly since February 9, 2005, Tax ID No.
7013-007-001, legal description:
Lot(s) 1, Block G, OAK RUN WOODSIDE TRACT, according to the Plat thereof as
recorded in Plat Book 2 at Page(s) 106 through 112, inclusive of the Public Records of
Marion County, Florida.
4.
Pursuant to my authority as Trustee of the Trust, and acting in that capacity, I transferred
the remaining trust property to the beneficiary, myself, on January 14,2015.

5.
Pursuant to my authority as Trustee of the Trust, and acting in that capacity, I hereby
terminate the Trust as provided by Fla. Stat. 736.0414, and Article V, the Trust. The total fair
market value of the assets of the Trust is zero. The Trust served its intended purpose of
transferring the property to the beneficiary without going through probate.
6.
Pursuant to Fla. Stat. 736.0414 Modification or termination of uneconomic trust. (1)
After notice to the qualified beneficiaries, the trustee of a trust consisting of trust property
having a total value less than $50,000 may terminate the trust if the trustee concludes that the
value of the trust property is insufficient to justify the cost of administration.
The foregoing instrument was acknowledged before me, this 2nd day of February, 2015,
'FL-bL
~""U tI~O SlO U\~ 0
by Neil J. Gillespie, who is personally known to me, or who has produced .
as
truthful to the best of his knowledge, information and belief.
(SEAL)
Notary Public State of Florida

Angelica Cruz
My Commission EE067986
Expires 02127/2015
of Notary Public
My Commission Expires: ----.2J_'2,_:.r~,_)S


CASE NO.: 2013-CA-000115
42-2013-CA-000115-AXXX-XX
Plaintiff,
vs.


DATED FEBRUARY 10,1997, ET AL.
Defendants.
- - - - - - - - - - - - - - - -/
AFFIDAVIT OF NEIL J. GILLESPIE - DEFENSES AND CLAIMS IN RECOUPMENT
Section 673.4051(1)(a), Fla. Stat. lack of legal capacity of the borrower
STATE OF FLORIDA
COUNTY OF MARION
)
) SS.:
)
AFFIDAVIT
BEFORE ME, this day personally appeared NEIL J. GILLESPIE, who upon being duly
sworn deposed upon oath as follows:
1.
My name is Neil J. Gillespie. I am over eighteen years of age. This affidavit is given on
personal knowledge unless otherwise expressly stated.

2.
I have resided at 8092 SW 115th Loop, Ocala, Marion County, Florida ("the property")
continuously and uninterruptedly since February 9, 2005. On November 17, 2009 I applied for
and received the homestead tax exemption as to the property, that 7013-007-001 is the tax
identification parcel number of this property, which is exempt from levy and execution under
Section 4, Article X of the Florida State Constitution, for the following described property:
Lot(s) 1, Block G, OAK RUN WOODSIDE TRACT, according to the Plat thereof as
recorded in Plat Book 2 at Page(s) 106 through 112, inclusive of the Public Records of
Marion County, Florida.
3.
The Plaintiffs Verified Complaint To Foreclose Home Equity Conversion Mortgage
alleges at paragraph 4:
Plaintiff is entitled to enforce the Note and Mortgage, pursuant to F.S. 673.3011, as the
owner and holder of an instrument.
4.
Section 673.3051, Florida Statutes, provides for defenses and claims in recoupment.
Subpart (1)(a)2. provides a defense for "lack of legal capacity, or illegality of the transaction
which, under other law, nullifies the obligation of the obligor;"
Section 673.3051, Florida Statutes, defenses and claims in recoupment.
(1) Except as stated in subsection (2), the right to enforce the obligation of a party to pay
an instrument is subject to:
(a) A defense of the obligor based on:
2. Duress, lack of legal capacity, or illegality of the transaction which, under other law,
nullifies the obligation of the obligor;
5.
I am the eldest son of Penelope Marie Gillespie who died September 16, 2009.
6.
The death certificate for Ms. G-illespie issued September 23, 2009 for the state of Texas
shows dementia was the immediate cause of death. No other cause of death is shown.
7.
Ms. Gillespie lacked capacity individually on June 5, 2008 to make any financial
decisions due to Alzheimer's disease and/or dementia.

8.
Ms. Gillespie lacked capacity as Grantor Trustee on June 5, 2008 to manage or bind in
contract the Gillespie Family Living Trust Agreement Dated February 10, 1997, due to
Alzheimer's disease and/or dementia.
9.
Guardianship in Florida is governed by Chapter 744 Florida Statutes. No guardian was
appointed for Ms. Gillespie.

10.
I was Ms. G'illespie's primary caregiver. I was power of attorney for Ms. Gillespie,
healthcare surrogate, living will proxy, personal representative (alternative) in the Last Will and
Testament of Ms. Gillespie, and personal representative under Fla. Stat. 198.01(2).
Section 673.4051 (1)(a), Fla. Stat. lack of legal capacity of the borrower
11.
Ms. Gillespie was a patient of Dr. Gregory J. Howell, M.D., Neurologist, Ocala
Neurodiagnostic Center, Windsor Oaks Medical Park, Bldg 400, 1901 S.E. 18th Avenue, Ocala,
Florida 34471, Noverrlber 1,2005 through the close of his practice December 12,2006.
12.
On May 8, 2006 Dr. Howell wrote to Dr. Christopher Grainger, Ms. Gillespie's primary
care doctor, that she was being treated for Alzheimer's dementia, and she was not competent to
make any financial decisions:
"I have been treating the patient for Alzheimer's dementia..." and "It is my impression
that the patient has moderate Alzheimer's and is not competent to give things away or
make any financial decisions..."
The letter of Dr. Howell dated May 8, 2006 is attached.
13.
On September 4, 2008 Dr. Jay J. Rubin, M.D wrote to Dr. Granger about Ms. Gillespie's
participation in a research study. Dr. Rubin diagnosed Ms. Gillespie with moderate dementia
consistent with Alzheimer's disease, currently treated with Aricept and Namenda. Dr. Rubin noted in
his Neurological Examination that "She is disoriented and certainly confused." The letter is attached.
14.
A Home Equity Conversion Mortgage, or HECM, is a Federal Housing Administration
(FHA) "reverse" mortgage program administered by the Secretary, United States Department of
Housing and Urban Development (Secretary or HUD) to enable home owners over 62 years old
access the subject home's equity. A HECM reverse mortgage is governed by federal law:
12 U.S.C. 1715z-20 - Insurance of home equity conversion mortgages for elderly
homeowners; and 24 CFR Part 206 - Home Equity Conversion Mortgage Insurance
15.
A HECM reverse mortgage is a non-recourse loan, and the lender has no further means to
collect the debt beyond the terms of the original documents. The accounts in this case include:
Federal Housing Authority (FHA) Case Number: 091-4405741
Bank of America, N.A. (BofA) Account No.: 68011002615899
Reverse Mortgage Solutions, Inc. (RMS) Loan Number: 68011002615899
16.
On April 22, 2008 I attended a telephonic HECM counseling session with Ms. Gillespie,
and Susan Gray, a HUD approved HECM counselor. The counseling session did not comply
with HECM rules. Ms. Gillespie was not able to answer questions showing she understood a
reverse mortgage. A transcript of the counseling session shows Ms. Gillespie did not actively
participate in the call or the counseling. Ms. Gray did not ask Ms. Gillespie to "successfully
answer five of the ten review questions" or make other effort to determine if she understood
basic information about reverse mortgages, which was impossible due to Alzheimer's disease,
but required under 12 USC 1715z-20(f) Counseling services and information for mortgagors.
Therefore Ms. Gray should not have issued the certificate to Ms. Gillespie, but she did anyway.
17.
Ms. Gillespie had Alzheimer's disease and dementia and lacked capacity at the time of
the HECM counseling session April 22, 2008. Ms. Gillespie lacked capacity at the time of the
HECM loan closing June 5, 2008. Elizabeth "Liz" Baize of the Ocala office of The Park Avenue
Bank was the HECM loan originator. I told Ms. Baize that Penelope Gillespie had Alzheimer's
disease early in the origination process. Ms. Baize's only concern was whether a guardianship
was in place for Ms. Gillespie. There was no guardianship.
18.
Liz Baize did not require anyone to act as power of attorney for Ms. Gillespie. Instead,
the bank had me and Mark Gillespie added to the quit-claim deed along with Ms. G-illespie, and
required us all to sign the HECM Notes and HECM Mortgages. When the HECM closed June 5,
2008, Penelope Gillespie age 77 was the only person age 62 or older qualified to be a HECM
borrower. I was age 52. Mark Gillespie was age 49.
19.
At all times pertinent to this HECM, Ms. Gillespie was not competent and suffered from
Alzheimer's disease and dementia.

20.
At all times pertinent to this HECM, the lender and lender parties knew or should have
known Ms. Gillespie was not competent and suffered from Alzheimer's disease and dementia.
Charles J. Thomas, a New York Supreme Court Judge, voided a reverse mortgage and its
21.
subsequent refinancing on the grounds that the borrower's mental illness made her unable to
understand the reverse mortgage. The Order and a related news story are attached.
Matter of Doar (Brunson) 2009 NY Slip Op 29549 [28 Misc 3d 759] December 18, 2009
Thomas, J. Supreme Court, Queens County Published by New York State Law Reporting
Bureau pursuant to Judiciary Law 431. As corrected through Thursday, October 7,2010.
Appellate Division continued to require that a mortgagee have knowledge of the
mortgagor's incapacity before the contract which is otherwise voidable could be voided.
In order to void a contract which is voidable because of incapacity, the mortgagor must
establish that the mortgagee had knowledge of the "incapacity and were ... not bona fide
mortgagees for value." (See Weisberg v DeMeo, 254 AD2d 351, 351 [1998].)
Under these circumstances, the court finds that Hermina Brunson was incapable of
understanding the agreements that she signed on April 21, 2003 and that Financial
Freedom is charged with the responsibility to determine, and was in a position to know of
her incapacity. Therefore, the court finds the mortgages on June 20, 2003 void.
22.
Therefore this HECM is void or voidable because the mortgagee had knowledge of the
"incapacity and were ... not bona fide mortgagees for value."
The foregoing instrument was acknowledged before me, this 2nd day of February, 2015,
by Neil J. Gillespie, who is personally known to me, or who has produced
as
truthful to the best of his knowledge, information and belief.
(SEAL)
~~~
,~~~,;~ CECIUA ROSENBERGER

~ Comnission # EE 191610
~
:. Expires JtIle 6. 2016
j.:
.,,,t ..
NOTARY PUBLIC
....1InTftJrflln. . . . . . . .701t
Print Name of Notary Public

My Commission Expires:
OCALA NEURODIAGNOSTIC CENTER

Windsor Oaks Medical Park
1901 S.E. 18th Avenue Bldg 400
Tel (352) 732-7095
Fax (352) 732-0477
Jose Gaudier, M.D.

Wnliam GaY't M.D.
Ken NS, M.D.
Gregory Howell, M.D.
Diplomate A
lean Board af
Psychla1 & Neurology
May 8 2006
1
Chri~topher Grainger. M.D.

4600 SW 46th Court. 8te. 310
Ocala. FL 34474
RE: Penelope Gillespie

73008
Dear Dr. Grainger:
I last saw Ms. Gillespie in February. I have since received notffication from her son who takes ca e of her and
lives with her that she had contributed $40,000 towards a mortgage to purchase a share in a rests rant and the
money was gone and the restaurant closed. This involved one of the patient's children, a daughter. The patient
also apparently gave several paintings to the daughter and they were not famny portraits or heirl ms, but they
were worth around $20.000. The patient herself didn't know how she got the paintings and wasn't certain as to
whether the paintings were on loan to the daughter or whether she is going to return them. The pat ent also was
riding in a car with a friend who would drink and drjve.
At this point the son now lives with her and has Power of Attorney..
I have been treating the patient for Alzheimer's dementia, which Is moderate. She is on both AricepJ1 Omg a day
and Namenda 10mg b.i.d. along with her other medications, which include Dlovan for hYPertenslorl. Digoxin for
her heart. Nitroglycerine, Nu-iron for anemia, va,rjous vitamins, and Aspirin.
I,
It is my Impression that the patient has moderate AlzheJmers and Is not competent to give things a ay or make
any financial decisions and needs Power of Attorney or legaJ guardian to look after her bills and- t8k care of her
and make sure that she doesn't give away items or her money to inappropriate people.
The patient's other medications right now include Metoprolol, Oynacirc, Coumadin, Lasix. Spiron actone, Nu
iron, centrum SHver. 812. and some prn Nitroglycerine.
The patient's blood pressure today was 110/64 in the right arm and 82/50 in the left arm. 'She as no focal
deficits.
She is to come back and see me for follow up In six months.
SincerelYt
l'L~'?
Gregory J. Howell, M.D.

GJH/Jcm
NEUROLOGICAL ASSOCIATES
Jay J. RUbin, M,D.. , P.A.. Anette V. Nieves, M.D. Anna Y. Khanna, M.. D.
Specializing in Neurological, Neuromuscular, Movement, Sleep, and Cerebrovascular Disorders
Florida Professional Park
2685 SW 32~d Place
Ocala, Fl34474
(352) 732-9643
(352) 732-2243 fax
NeuroHealthinc.com
Del Webb Spruce Creek

14031 Del Webb Blvd.
Summerfield, Fl34491
September 4, 2008
Christopher Grainger, M.D.

th
4600 SW 46 Court, #310
Ocala. Florida 34474
NEUROLOGICAL CONSULTATION
Re:
Chart #: 56021
Penelope M. Gillespie
Dear Christopher:
Thank you for requesting a neurological consu1tation regarding this 77-year-old female with Alzheimer's disease.
Mrs. Gillespie is accompanied by her son who is a very good historian. He also provided a nicely printed list
regarding her current medications.
History of Present Illness: Mrs. Gillespie has a history of progressive short-term memory impairment culminating
with a diagnosis of Alzheimer's disease made by Dr. A. Singh in 2004. She was placed on Namenda and then
evaluated neurologically by Dr. Howell and treated with Aricepl In 2007, Aricept was stopped for eighteen days
whereupon her memory worsened. Mrs. GiJJespie stopped driving in 2004. Her son cooks and manages her
medications. She generally eats and sleeps well, sleeping about eight to ten hours a day on the average, and she
infrequently awakens during the night. She wears Depends for incontinence and for occasional diarrhea. She has
some episodes of increased confusion but no hallucinations. Generally, her disposition is very good and she is
quite cooperative.
More recently. she has been under the care of Dr. Gaya, but her son expressed an interest in the Alzheimer's
Investigational Study. Her son indicates that Mrs. Gillespie has had more confusion this year. For example, she
often does not seem to realize that her son Jives with her.
Your evaluation inclUded a head CT scan in 12/07 at Advanced Imaging Center that showed an old appearing right
frontoparietal cortical stroke and atrophy. She had a normal TSH and 812 level in 06/08. Her creatinine has
gradually been elevated and was 1.98 in July.
Past Medical/Surgical History: Is noteworthy for atrial fibrillation mitral valve regurgitation, Alzheimer's disease,
TIA. hypertension and irritable bowel syndrome. She is sIp bilateral total knee arthroplasty (in 1998 and 2000).
1
Current Medications: Namenda 10 mg bid (began in 2004), Aricept 10 mg q a.m. (began in 2005). Furosemide
20 mg qd, Spironolactone 25 mg qd, Coumadin. Ni1roglycerin 0.4 mg pm, multivitamins, vitamins 86 & 812,
Imodium AD pm, and Tylenol pm. She is not to take Advil Aleve. Motrin or Ibuprofen.
1
Allergies: Rythmol, Methotrexate, or fresh, frozen or canned corn.

Social History: Mrs. Gillespie is widowed and has three children. She is a high school graduate. She smoked
minimally in the past. No history of any alcohol consumption. She is retired from retail work. She enjoys watching
television and reading newspaper and maga~ines.
(Page 1 of 2)
C1
'.
Penelope M. Gillespie
09/04/08 - Neurological Consultation
(Page 2 of 2)
Family History: Her mother died at 83 years of age from a stroke. Her father died at 60 years of age with
myocardial infarction. Her brother is age 82 and her sister is age 79, both with heart disease. Her maternal
grandmother also had dementia.
Review of Systems: Is noteworthy for weakness, fatigue. hypertension, occasional chest pains, irregular
heartbeat, daytime sleepiness, nocturia, back pain, pain with walking about half a block. confusion, and chronic
anxiety, but there is no history of depression according to Mrs. Gillespie or her son. Complete ROS is available in
the chart and I reviewed this with Mrs. Gillespie.
NEUROLOGICAL EXAMINATION: Blood pressure is 120/80. Pulse 80 with slight irregularity. Height 5'5". Weight
157 Ibs. She is right-handed. Mrs. Gillespie appears short-stature, pleasant, cooperative, comfortable, and with a
somewhat flattened affectf and with mild bradykinesia. Chest is clear. Heart rate is frequently irregular. No heart
murmur or carotid bruits are present. She is disoriented and certainly confused. She recalled 0/3 objects in five
minutes with poor visual spatial skills. She scores 17/30 on the Mini-Mental Status Examination. HEENT: PERRL.
FuJI visual fields and extraocular movements but with decreased smooth pursuit. Normal grimace. hearing.
elevation of palate, shrug and tongue movements. There is mUd atrophy present in the distal lower extremities but
strength is normal throughout. Sensation is only decreased to vibration in the toes. Normal coordination and gait.
Deep tendon reflexes are diminished throughout but symmetrical. Babinski sign is present bilaterally but no
spasticity is present.
DIAGNOSES:
1..
2.
Moderate dementia consistent with Alzheimer's disease, currently treated with Aricept and Namenda.
History of right frontoparietal cortical stroke probably occurring two years ago by history and by head CT
scan.
3.
Chronic renal insufficiency.
RECOMMENDATIONS/PLAN: I revIewed the findings, diagnoses and treatment options with Mrs. Gillespie's son.
He is very intelligent. supportive and provides many documents including a detailed list of all of her tests and
procedures between 10/05 and 07/08. Her son expresses much interest in helping his mother participate in a ~'
research study. Therefore, this is being discussed. If she is a candidate, she will be screened for the study and if
her son is interested, then we will pursue appropriate treatment. Otherwise, I am going to recommend continued
current medications. We will also schedule a return appointment for Mrs. Gillespie and I look forward to follOWing
her along.
V"'"
It was a pleasure seeing this delightful lady today and I also appreciate the helpful records you prOVided.
JJRlwltv
http://reversemortgagedaily.com/2010/01/14/judge-voids-reverse-mortgage-says-counseling-fails-to-prove-competency/print/
- Reverse Mortgage Daily - http://reversemortgagedaily.com -
Judge Voids Reverse Mortgage, Says Counseling Fails to Prove

Competency
Posted By Reva On January 14, 2010 @ 9:50 am In Counseling,Legislation,News,Reverse Mortgage | 105
Comments
Own Your Home? Over 62? Learn More! Free Reverse Mortgage
Cl l t
In a ruling last month, Charles J. Thomas, a New York Supreme Court Judge voided a reverse
mortgage and its subsequent refinancing on the grounds that the borrowers mental illness made her
unable to understand the reverse mortgage.
In the case, Matter of Doar, 31393/07 [1], the borrower, Ms. Hermina Brunson, took out a reverse
mortgage with Financial Freedom on her home in Queens for $300,000 in December of 2001,
refinancing for $375,000 in June of 2003.
However, at the time, Ms. Brunson was being treated for chronic paranoid schizophrenia. By the end
of 2001, her psychiatrist testified that Ms. Brunson was hearing voices, believed her neighbor was
trying to take her home away from her, and claimed that she no longer had the deed to the home.
Despite the counseling session lasting 45 minutes over the phone, the judge wrote that it was not
meant to be perfunctory or a mere rubber stamp of the banking or mortgage industry. It was
intended to secure that the rights of elderly homeowners were protected. The mortgagee is
entrusted with the responsibility of conducting an inquiry of the applicants understanding of the
mortgage agreement.
Judge Thomas continued, There is no evidence that Ms. Brunson understood the terms of the
mortgage or the Counseling Certificate that she signed on June 20, 2003. He faulted the counselor
for not unearthing the borrowers mental illness and her delusions regarding her home. Most
significantly for the industry, Judge Thomas ruled:
While the Certificate of Counseling is an indication that information was given to the
homeowners it is not dispositive of the issue of the mortgagors knowledge and
understanding of the implications of a reverse mortgage or that the National Housing
Act has been satisfied. That determination rests ultimately with the court.
As a result, the responsibility is on the lender to prove that the borrower understood the reverse
mortgage, regardless of whether or not they received a counseling certificate.
The judge further faulted the counseling process, noting that there was no evidence as to the
qualifications of the counselor, whether the counselor spoke to Ms. Brunson or only to her brother, if
Ms. Bunsons questions were answered, and what information the counselor provided.
While recent counseling reforms such as the qualification of the counselor addresses some of these
issues, this is still a situation that could be repeated today.
In the ruling, Financial Freedom was ordered to void the mortgage, but the Guardian of the borrower
is directed to reimburse Financial Freedom for monies paid out at the closing which includes taxes,
water charges, and the New York City Department of Social Services liens. It is unclear whether
Financial Freedom will appeal.
Matter of Doar, 31393/07 [1]
Write to Reva Minkoff [2]
Share this:
Google [5]
http://reversemortgagedaily.com/2010/01/14/judge-voids-reverse-mortgage-says-counseling-fails-to-prove-competency/print/
Facebook [6]
Twitter [7]
Article printed from Reverse Mortgage Daily: http://reversemortgagedaily.com

URL to article: http://reversemortgagedaily.com/2010/01/14/judge-voids-reversemortgage-says-counseling-fails-to-prove-competency/
URLs in this post:
[1] Matter of Doar, 31393/07: http://reversemortgagedaily.com/img-112161623-0001.pdf
[2] Reva Minkoff: mailto:[email protected]
[3] Sign up: http://reversemortgagedaily.list-manage.com
/subscribe?u=bccc16f054acb3137aa5fcfe5&id=48b4357284
[4] RSS feed: http://reversemortgagedaily.com/feed/
[5] Google: http://reversemortgagedaily.com/2010/01/14/judge-voids-reverse-mortgagesays-counseling-fails-to-prove-competency/?share=google-plus-1
[6] Facebook: http://reversemortgagedaily.com/2010/01/14/judge-voids-reversemortgage-says-counseling-fails-to-prove-competency/?share=facebook
[7] Twitter: http://reversemortgagedaily.com/2010/01/14/judge-voids-reverse-mortgagesays-counseling-fails-to-prove-competency/?share=twitter
Copyright 2011 Reverse Mortgage Daily. All rights reserved.
Page 1 of 6
Filing # 36445015 E-Filed 01/12/2016 12:09:42 PM

Neil Gillespie
From:
Sent:
Attach:
Subject:
<[email protected]>
Wednesday, November 11, 2015 3:01 AM
Motion To Disqualify.pdf
SERVICE OF COURT DOCUMENT - CASE NUMBER 422013CA000115CAAXXX
Notice of Service of Court Documents
Filing Information
Filing #:
Filing Time:
Filer:
Court:
Case #:
Court Case #:
Case Style:
34313389
11/11/2015 03:01:30 AM ET
Neil J. Gillespie 352-854-7807
Fifth Judicial Circuit in and for Marion County, Florida
422013CA000115CAAXXX
13CA000115AX
REVERSE MORTGAGE SOLUTIONS INC VS GILLESPIE, NEIL J
Documents
Title
File
Motion To Disqualify
AFFIDAVIT OF NEIL J. GILLESPIE MOTION TO

DISQUALIFY JUDGE HALE STANCIL NOV-09-2015.pdf
E-service recipients selected for service:

Name
Email Address
Curtis Wilson
[email protected]
Neil J. Gillespie
[email protected]
Hon. Hale Ralph Stancil
[email protected]
E-service recipients deselected for service:

Name
Email Address
2
11/11/2015
Page 2 of 6
Danielle N Parsons
[email protected]
[email protected]
Patricia Ann Toro Savitz
[email protected]
Frank Harlan Killgore Jr.
[email protected]
Jon Marshall Oden
[email protected]
Barry R. Davidson
[email protected]
Robyn Katz
[email protected]
Jane Bond
[email protected]
Delilah Lugo
[email protected]
Tameka Gordon
[email protected]
Robert J. Stovash
[email protected]
US DOJ Disability Rights

Section
[email protected]
Honorable Don F. Briggs
[email protected]
11/11/2015
Page 3 of 6
Grace A. Fagan
[email protected]
Arthur Lee Bentley III,

USAFLM
[email protected]
Honorable John Anthony

Tomasino
[email protected]
Tad David, General

Counsel OSCA
[email protected]
Honorable John F Harkness
[email protected]
Honorable Michael L.
Schneider
[email protected]
Honorable Don F. Briggs
[email protected]
Honorable David R.
Ellspermann
[email protected]
Gregory C. Harrell,
General Counsel
[email protected]
Colleen Murphy Davis,

AUSA
[email protected]
ov
DECCA, c/o Carol Olson
[email protected]
Mark Gillespie
[email protected]
11/11/2015
Page 4 of 6
Public Information Office
[email protected]
Florida Governor Rick Scott
[email protected]
Florida CFO Jeff Atwater
[email protected]
Attorney General Pam

Bondi
[email protected]
Commissioner Adam
Putnam
[email protected]
Gregory William Coleman
[email protected]
Ramon A. Abadin
[email protected]
Adria E Quintela
[email protected]
John Thomas Berry
[email protected]
Paul F Hill
[email protected]
Colleen Murphy Davis,

AUSA
[email protected]
ov
[email protected]
11/11/2015
Page 5 of 6
[email protected]
Neil J. Gillespie and Mark

Gillespie as Co-Trustee
[email protected]
[email protected]
Unknown spouse of Mark

Gillespie n/k/a Joetta Gill
[email protected]
Unknown
Settlors/Beneficiaries of
The Gillespie Fa
[email protected]
Elizabeth Bauerle n/k/a

Elizabeth Bidwood
[email protected]
Unknown spouse of
Elizabeth Bauerle
[email protected]
Oak Run Homeowners

Association Board of
Directors
[email protected]
Danielle Parsons
[email protected]
[email protected]
m
Curtis Wilson
[email protected]
[email protected]
Michalene Y Rowells
[email protected]
11/11/2015
Page 6 of 6
[email protected]
Pamela R. Masters
[email protected]
Sheriff Chris Blair
[email protected]
Lt. Bill Sowder, MCSO
[email protected]
FBI Tampa
[email protected]
FBI Jacksonville
[email protected]
Tiffany Caparas
[email protected]
Danielle N. Parsons
[email protected]
KEL
[email protected]
This is an automatic email message generated by the Florida Courts E-Filing Portal. This email address does not
receive email.
Thank you,
The Florida Courts E-Filing Portal
11/11/2015
Filing # 36445015 E-Filed 01/12/2016 12:09:42 PM

Ethics
ABOUT THE BAR
NEWS & EVENTS
FOR THE PUBLIC
MEMBER SERVICES
Rules
LOG IN
Professionalism
Log In
FIND A LAWYER
Search The Florida Bar
THE FLORIDA BAR / Find A Lawyer / Profile
Hale Ralph Stancil

Member of the Judiciary
Bar Number:
165425
Mail Address:
Marion County Courthouse

110 NW 1st Ave Rm 2017
Ocala, FL 34475-6601
United States
Office: 352-401-6763
Email:
[email protected]
Personal Bar URL:
www.floridabar.org/mybarprofile/165425
vCard:
County:
Marion
Circuit:
Admitted:
10/18/1973
Judicial Position:
Circuit Court - Sr. Judge
10-Year Discipline
None
History:
Law School:
Stetson University College of Law
The Find a Lawyer directory is provided as a public service. The Florida Bar maintains limited basic information about attorneys licensed to practice in the state (e.g., name, address, year of
birth, gender, law schools attended, admission year). However, through this directory The Florida Bar allows individual attorneys the opportunity to provide for public information certain
expanded personal and professional data. It is the attorney's responsibility to routinely review and update those expanded listings. The information contained in those expanded listings is
presented by the Bar "as is" with no warranty of any kind, express or implied. The Florida Bar, its Board of Governors, employees, and agents thereof are not responsible for the accuracy of
that additional data. Publication of attorneys' contact information within this listing should not be construed as their consent to receive unsolicited communications in any form. Certain
unauthorized uses of this data may result in civil or criminal penalties. The Find a Lawyer directory is not a lawyer referral service.
3
About the Bar
President's Page
Board of Governors
Committees
Sections & Divisions
What We Do
Past Presidents
Frequently Asked Questions
History
News, Events &

Publications
Daily News Summary
The Florida Bar News
The Florida Bar Journal
News Releases
Calendars
Meetings
Media Resources
For the Public
Member Services
Directories
Attorney Discipline
Continuing Legal Education
Lawyers
Consumer Information
Board Certification
Authorized House Counsel
Speakers Bureau
Benefits and Discounts
Certified Foreign Legal
Courts
The Vote's in Your Court
Fair & Impartial Courts
Employment Opportunities
Lawyers Advising Lawyers
Florida Lawyers Assistance
Clients' Security Fund
E-filing Resources
Prepaid Legal Services
Practice Resource Institute
Research &
Professionalism
Ethics Opinions
Rules Regulating the Bar
Consultants
Fastcase Legal Research
Law Faculty Affiliates
PRI - Practice Resource Institute
Florida Registered Paralegals
Henry Latimer Center for
Section Membership
Board Certified Lawyers
Professionalism
Strategic Plan & Research
Reporter's Handbook
Pro Bono/Legal Aid
Pro Bono Information
Florida Bar Staff
Working at the Bar
Issue Papers
Unlicensed Practice of Law
Legislative Activity
Courts and Judges
Contact Us
Publications
Legal Groups and Law Schools
Voluntary Bar Center
Judicial Nominating Commission
Diversity
Leadership Academy
https://wwwapps.ups.com/WebTracking/processPOD?Requester=&tracknum=1Z64589FP296682800&refNumbers=&loc=en_US
Filing # 36445015 E-Filed 01/12/2016 12:09:42 PM

Proof of Delivery
Close Window
Dear Customer,
This notice serves as proof of delivery for the shipment listed below.
Tracking Number:
Service:
Weight:
Shipped/Billed On:
Delivered On:
Delivered To:
Signed By:
1Z64589FP296682800
UPS Ground
1.00 lb
11/11/2015
11/12/2015 10:36 A.M.
110 NW 1ST AVE
2ND
OCALA, FL, US 34475
ZYCH
Left At:
Guard
Thank you for giving us this opportunity to serve you.

Sincerely,
UPS
Tracking results provided by UPS: 11/12/2015 9:26 P.M. ET
Print This Page
Close Window
11/12/2015 9:27 PM
https://www.ups.com/uis/create?ActionOriginPair=default___PrintWindowPage&key=labelWindow&type=html&loc=en_US&instr=A&doc=shipment...
UPS Internet Shipping: View/Print Label

1. Ensure there are no other shipping or tracking labels attached to your package. Select the
Print button on the print dialog box that appears. Note: If your browser does not support this function
select Print from the File menu to print the label.
2. Fold the printed label at the solid line below. Place the label in a UPS Shipping Pouch. If you do
not have a pouch, affix the folded label using clear plastic shipping tape over the entire label.
3. GETTING YOUR SHIPMENT TO UPS
Customers with a Daily Pickup
Your driver will pickup your shipment(s) as usual.
Customers without a Daily Pickup
Take your package to any location of The UPS Store, UPS Access Point(TM) location, UPS Drop
Box, UPS Customer Center, UPS Alliances (Office Depot or Staples) or Authorized Shipping
Outlet near you. Items sent via UPS Return Services(SM) (including via Ground) are also accepted at
Drop Boxes. To find the location nearest you, please visit the 'Find Locations' Quick link at ups.com.
Schedule a same day or future day Pickup to have a UPS driver pickup all of your Internet Shipping
packages.
Hand the package to any UPS driver in your area.
UPS Access PointTM
UPS Access PointTM
THE UPS STORE
THE UPS STORE
11100 SW 93RD COURT RD
3101 SW 34TH AVE
OCALA ,FL 34481
OCALA ,FL 34474
FOLD HERE
https://wwwapps.ups.com/WebTracking/detail
United States
My UPS
Welcome, Neil J. Gillespie | Logout | Contact UPS
Shipping
Tracking
Freight
Locations
Support
UPS Solutions
Save up to 18% on UPS shipping for your business.
Sign Up Now
Sign up and start saving in your first week of shipping.

View Tracking History
Track
Share
Tracking Detail
1Z64589FP296682800
| The UPS Store Search
Print
Help
Add Description
Updated: 11/12/2015 9:24 P.M. Eastern Time
Need more
Delivered
information?
Get Help
Delivered On:
Thursday, 11/12/2015 at 10:36 A.M.
Notify me with Updates
Left At:
Guard
Report a Claim
Shipping Information
To:
110 NW 1ST AVE
2ND
OCALA, FL, 34475, US
Signed By:
ZYCH
Shipped By
Proof of Delivery
What's This?
Shipment Progress
Local
Time
Location
Date
OCALA, FL, US
11/12/2015 10:36 A.M. Delivered
Activity
11/12/2015 7:16 A.M.
Out For Delivery
11/12/2015 7:15 A.M.
Origin Scan
Ocala, FL, United States 11/11/2015 3:13 P.M.
The shipment has been dropped off and is now at The UPS
Store.
United States
Order Processed: Ready for UPS
11/11/2015 2:25 A.M.
UPS Ground
Additional Information
Shipped/Billed On:
Type:
Weight:
11/11/2015
Package
1.00 lb
11/12/2015 9:26 PM
https://wwwapps.ups.com/WebTracking/detail
Subscribe to UPS E-mail: Modify E-mail Preferences

Contact UPS
Browse Online Support
E-mail UPS
Live Chat
Call Customer Service
View Examples
Support
Open a Shipping Account
Manage Accounts
Access Billing Options
Change Your Delivery
Home
About UPS
Service Terms and Conditions
Site Guide
Solutions for:
Healthcare
Small Business
High Tech
More...
Investors
Website Terms of Use
Careers
Pressroom
Privacy Notice
Other UPS Sites:
Follow us:
UPS Global
UPS Mobile
Your California Privacy Rights
UPS Blog
Protect Against Fraud
Copyright 1994-2015 United Parcel Service of America, Inc. All rights reserved.
11/12/2015 9:26 PM
Page 1 of 2
Neil Gillespie
From:
To:
Sent:
Subject:
"UPS Quantum View" <[email protected]>

<[email protected]>
Thursday, November 12, 2015 10:43 AM
UPS Delivery Notification, Tracking Number 1Z64589FP296682800
***Do not reply to this e-mail. UPS and NEIL J. GILLESPIE will not receive
your reply.
At the request of NEIL J. GILLESPIE, this notice is to confirm that the
following shipment has been delivered.
Important Delivery Information
Tracking Number:
1Z64589FP296682800
Delivery Date / Time: 12-November-2015 / 10:36 AM
Delivery Location: GUARD
Signed by: ZYCH
Shipment Detail
Ship To:
110 NW 1ST AVE
FLOOR 2ND
OCALA
FL
34475
US
Number of Packages: 1
UPS Service:
GROUND
Weight:
1.0 LBS
11/12/2015
Page 2 of 2
2015 United Parcel Service of America, Inc. UPS, the UPS brandmark, and the color brown are
trademarks of United Parcel Service of America, Inc. All rights reserved.
All trademarks, trade names, or service marks that appear in connection with UPS's services are the
property of their respective owners.
Please do not reply directly to this e-mail. UPS will not receive any reply message.
For more information on UPS's privacy practices, refer to the UPS Privacy Notice.
For questions or comments, visit Contact UPS.
This communication contains proprietary information and may be confidential. If you are not the intended
recipient, the reading, copying, disclosure or other use of the contents of this e-mail is strictly prohibited
and you are instructed to please delete this e-mail immediately.
UPS Privacy Notice | Contact UPS
11/12/2015
Page 1 of 2
Neil Gillespie
From:
To:
Sent:
Subject:
"UPS Quantum View" <[email protected]>

<[email protected]>
Wednesday, November 11, 2015 2:26 AM
UPS Ship Notification, Tracking Number 1Z64589FP296682800
This message was sent to you at the request of NEIL J. GILLESPIE to notify
you that the electronic shipment information below has been transmitted to
UPS. The physical package(s) may or may not have actually been tendered to
UPS for shipment. To verify the actual transit status of your shipment, click on
the tracking link below or contact NEIL J. GILLESPIE directly.
Important Delivery Information

Scheduled Delivery: 12-November-2015
Shipment Detail
Ship To:
110 N.W. 1st Avenue
OCALA
FL
344756601
US
Number of Packages: 1
UPS Service:
GROUND
Weight:
1.0 LBS
Tracking Number:
1Z64589FP296682800
Click here to track if UPS has received your shipment or visit

http://www.ups.com/WebTracking/track?loc=en_US on the Internet.
11/11/2015
Page 2 of 2
2015 United Parcel Service of America, Inc. UPS, the UPS brandmark, and the color brown are
trademarks of United Parcel Service of America, Inc. All rights reserved.
All trademarks, trade names, or service marks that appear in connection with UPS's services are the
property of their respective owners.
Please do not reply directly to this e-mail. UPS will not receive any reply message.
For more information on UPS's privacy practices, refer to the UPS Privacy Notice.
For questions or comments, visit Contact UPS.
This communication contains proprietary information and may be confidential. If you are not the intended
recipient, the reading, copying, disclosure or other use of the contents of this e-mail is strictly prohibited
and you are instructed to please delete this e-mail immediately.
UPS Privacy Notice | Contact UPS
11/11/2015
Drop-Of f Package Receipt: 1 of 1

THIS IS NOT
SHIPPING
L~BEL.
PLE~SE
S~VE
FOR YOUR RECORDS.
DROP-OFF D~TE/TIME;
Wed 11 Nov 2015 3:13 PM
DROP-OFF LOC~TION:
The UPS Store #5520
11100 SW 93 COURT RD
STE 10
ESTIM~TED
UPS
PICKUP D~TE.
Wed 11 Nov 2015
1pkg
(352) 402-0099
CUSTOIVIER;
Not Provided
10 Type: Not Provided
TRACKING NUMBER
1Z64589FP296682800
C~RRIER
TOT~L P~CK~GES;
& SERVICE
UPS Ground
1pkg
WEIGHT
0.60 Ibs
This receipt I ists each package received by The UPS Store 115521Z1 a n d i - - -
indicates that the information for each package has been transmitted to ealh
carrier 's data sYldem
This receipt is not confirmation that the carrier has
picked up the packages
To vel" ify when and if a package has been picked up.
enter one of the following web addresses in your browser and enter the
tracking numbers listed above
http://theLJpsstol''e.com (select Tracking.
then enter Tracking II)
You acknowledge that the shipment services
provided by The UPS Store 115521Z1 for the I isted packages are subject to and
gover'ned by each Carrier Agreement. if applicable. the Rates and Service
Guide for each car riel". and lhe tar iff in effect at the time of shipment
Packed by Cerlified Packing Experls
Reimbursement for your packing and shipping costs

Restrictions and limH:ations apply
Powered by iShip(r)
11/11/2m15 12: 15 PM
Pacific Time
Valid at participating locations only

Motion For Clerk To Reassign Case To Another Judge

Uploaded by

Copyright:

Available Formats

Motion For Clerk To Reassign Case To Another Judge

Uploaded by

Document Information

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Motion For Clerk To Reassign Case To Another Judge

Uploaded by

Copyright:

Available Formats

Filing # 36445015 E-Filed 01/12/2016 12:09:42 PM

THIS IS NOT A COMMERCIAL FORCLOSURE

IN THE CIRCUIT COURT OF THE

REVERSE MORTGAGE SOLUTIONS, INC.,

CASE NO.: 2013-CA-000115

NEIL J. GILLESPIE AND MARK GILLESPIE

On November 11, 2015 the Clerk docketed AFFIDAVIT OF NEIL J. GILLESPIE

MOTION TO DISQUALIFY JUDGE HALE STANCIL NOV-09-2015, Filing # 34313389

DEFENDANTS MOTION FOR CLERK TO REASSIGN CASE TO ANOTHER JUDGE

January 12, 2016

affidavit and motion to disqualify Judge Stancil that appears at Exhibit 1.

Pursuant to Rule 2.330(j) Florida Rules of Judicial Administration,

Neil J. Gillespie, individually, and former Trustee,

DEFENDANTS MOTION FOR CLERK TO REASSIGN CASE TO ANOTHER JUDGE

January 12, 2016

Service List January 12, 2016

Ms. Colleen Murphy Davis, AUSA

David R. Ellspermann Marion County Clerk

Development & Construction Corporation

Oak Run Homeowners Association, Inc.

DEFENDANTS MOTION FOR CLERK TO REASSIGN CASE TO ANOTHER JUDGE

January 12, 2016

Unknown spouse of Mark Gillespie n/k/a Joetta Gillespie

Unknown spouse of Elizabeth Bauerle

Filing # 34313389 E-Filed 11/11/2015 03:01:30 AM

THIS IS NOT A COMMERCIAL FORCLOSURE

IN THE CIRCUIT COURT OF THE

REVERSE MORTGAGE SOLUTIONS, INC.,

Residential Home Foreclosure Case

NEIL J. GILLESPIE AND MARK GILLESPIE

AFFIDAVIT OF NEIL J. GILLESPIE

AFFIDAVIT OF NEIL J. GILLESPIE

The Defendant is over the age of 18 years

AFFIDAVIT OF NEIL J. GILLESPIE

AFFIDAVIT OF NEIL J. GILLESPIE

AFFIDAVIT OF NEIL J. GILLESPIE

FURTHER AFFIANT SAYETH NOT,

AFFIDAVIT OF NEIL J. GILLESPIE

The foregoing instrument was acknowledged before me, this

TatsHe= H QCQ.n '

AFFIDAVIT OF NEIL J. GILLESPIE

Circuit Civil 37-D

AFFIDAVIT OF CONSTRUCTIVE SERVICE

MOTION TO STRIKE SHAM PLEADINGS

AFFIDAVIT OF NEIL J GILLESPIE AND MOTION TO DISQUALIFY 14

EFILED MOTION FOR DEFAULT

AFFIDAVIT OF INABILITY TO DETERMINE MILITARY STATUS

AFFIDAVIT OF CONSTRUCTIVE SERVICE

NOTICE OF FILING APPEAL TO FLORIDA SUPREME COURT

ABOUT THE BAR

NEWS & EVENTS

FOR THE PUBLIC

Search The Florida Bar

THE FLORIDA BAR / Find A Lawyer / Profile

Curtis Alan Wilson

225 E Robinson St Ste 660

Personal Bar URL:

Eligible to Practice Law in Florida

Florida Coastal School of Law, 2009

* THIS IS NOT A BILL *