TABLE 1


Personal Money Management Quiz
Yes or No LAre you
YN  1. Balancing your checkbook with your statement of account each month?
YN  2. Putting money into an emergency savings account and leaving it there?
YN  3. Able to save for upcoming needs such as periodic expenses and long-term goals?
YN  4. Making minimum payments on your revolving credit accounts (credit cards)?
YN  5. Postdating checks to give yourself some extra float time?
YN  6. Unaware of how much debt you owe and to whom?
YN  7. Borrowing money from family or friends to pay for regular household expenses such as rent, food, and clothes?
YN  8. Taking out new loans to pay off old ones, or extending loans in order to lower monthly payments?
YN  9. Using cash advances from one credit card to make payments on others?
YN10. Receiving phone calls and notices from creditors?


















TABLE 2


If you answered “yes” to questions:
1, 2, & 3—EXCELLENT, keep up the good work.
4 & 5—Pick up Navy Federal brochure Dollar Discipline Works! or call Budgetary Counseling for preventive counseling.
6-10—If you are experiencing any of these situations, call Budgetary Counseling.


















TABLE 3


Appendix A
Samples of Multiple Bankruptcy Filings—California Cases filed on or after 6/1/97
LN TYPE TS# CHL Loan # Borrower(s) PAID TO Pr.   Balance Int. Rate Days Lost Int. Lost BK Date Chapter Closed Reason Filed By
FHA95-54786143126Antonia Tobar
Vila Tovar Ruiz
1555 E. 109th St.
Los Angeles, CA 90059
2/1/95$101,471.01$101,471.01$101,471.01$101,471.01$101,471.01$101,471.01$101,471.01$101,471.01$101,471.01
VA96-57276450986Donald J. Lewis
14006 El Contento Ave.
Fontana, CA 92337
2/1/96$113,778.86$113,778.86$113,778.86$113,778.86$113,778.86$113,778.86$113,778.86$113,778.86$113,778.86
FHA96-76141383573Chuck R. Hensley
Michelle L. Hensley
828 Clabury Ct.
Galt, CA 95632
4/1/97$117,763.78$117,763.78$117,763.78$117,763.78$117,763.78$117,763.78$117,763.78$117,763.78$117,763.78
FNMA96-82683331262Harlester Palm
2422 E. 113th St.
Los Angeles, CA 90059
4/1/96$  98,416.76$  98,416.76$  98,416.76$  98,416.76$  98,416.76$  98,416.76$  98,416.76$  98,416.76$  98,416.76
FHA96-100142192699Randy & Rebecca Aguilar
4686 Beatty Drive
Riverside, CA 92506
7/1/96$125,410.34$125,410.34$125,410.34$125,410.34$125,410.34$125,410.34$125,410.34$125,410.34$125,410.34
FHA96-101374752307Robbie Brager
24872 Bayleaf St.
Moreno Valley, CA 92553
1/1/96$  84,553.80$  84,553.80$  84,553.80$  84,553.80$  84,553.80$  84,553.80$  84,553.80$  84,553.80$  84,553.80
FNMA97-45132039Gary J. Loughran
Rhonda L. Loughran
4074 Lockhaven
Riverside, CA 92505
9/1/96$110,597.26$110,597.26$110,597.26$110,597.26$110,597.26$110,597.26$110,597.26$110,597.26$110,597.26


















TABLE 4


Appendix A—Continued
Samples of Multiple Bankruptcy Filings—California Cases filed on or after 6/1/97
LN TYPE TS# CHL Loan # Borrower(s) PAID TO Pr.   Balance Int. Rate Days Lost Int. Lost BK Date Chapter Closed Reason Filed By
FHA97-9284305215Ernest Calderon
561 3th St.
San Bernardino, CA 99405
9/1/96$  80,758.37$  80,758.37$  80,758.37$  80,758.37$  80,758.37$  80,758.37$  80,758.37$  80,758.37$  80,758.37
FHA97-22464540633Alex & Yeidi Dias Rivera
37115 94th St.
Littlerock, CA 93543
7/1/96$  95,580.12$  95,580.12$  95,580.12$  95,580.12$  95,580.12$  95,580.12$  95,580.12$  95,580.12$  95,580.12
FNMA97-25933635662Lila Dial
32096 Eileen Ave.
Los Angeles, CA 90043
11/1/96$126,820.27$126,820.27$126,820.27$126,820.27$126,820.27$126,820.27$126,820.27$126,820.27$126,820.27


















TABLE 5


Appendix A—Continued
Holly R. Wood Fraud Example
Ln Type CTC File # CHL Loan # Borrower(s) Paid-to-Date Principal Balance Interest Rate Days Lost
FHA96-110546574290Larry Jacko
Irma Annette Jacko
8/1/96$140,196.13$140,196.13$140,196.13
FHA96-82038290300Donald L. Ballard
Peggy A. Ballard
5/1/96103,066.89$103,066.89$103,066.89$
FHA96-110216732697Marguerite Mae Jackson8/1/96$  86,103.01$  86,103.01$  86,103.01
Conv.96-87977611779Denise A. Swenson6/1/96$221,443.12$221,443.12$221,443.12
FHA96-103903939469Luz Elena Gamboa7/1/96$141,978.40$141,978.40$141,978.40
FHA96-97508475725Rosemarie Montenegro7/1/96$  88,773.99$  88,773.99$  88,773.99
FHA97-007921702487Darrin Goodman
Therese Goodman
7/1/96$  98,512.29$  98,512.29$  98,512.29
FHA96-100992345634Scott M. Morse
Christine R. Morse
7/1/96$115,706.60$115,706.60$115,706.60
Conv.96-64226072591Nilsa Gillont4/1/96169,437.73$169,437.73$169,437.73$
FNMA96-102731837251Luis O. Mas
Leslie W. Mas
8/1/96$182,223.34$182,223.34$182,223.34