8-K 1 cwt520cb_8k0601.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 25, 2006 CWT (Depositor) (Issuer in respect of Countrywide Alternative Loan Trust, Series 2005-20CB) (Exact name of registrant as specified in charter) Delaware 33-63714 95-4449516 (State or other (Commission File No.) (I.R.S. Employer jurisdiction of Identification No.) organization) , , N/A 91110-7137 (Address of principal executive offices) (Zip Code) Registrant's Telephone Number, including area code: (818)-304-4428 Not Applicable (Former name, former address and former fiscal year, if changed since last report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions. []Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) []Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) []Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) []Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Section 8 - Other Events Item 8.01 Other Events Section 9 - Financial Statements and Exhibits Item 9.01 Financial Statements and Exhibits SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. Dated: January 25, 2006 CWT By: /s/ Cirino Emanuel ------------------------------ Name: Cirino Emanuel Assistant Treasurer The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated January 25, 2006 Payment Date: 01/25/06 ------------------------------------------------------------ Countrywide Home Loans Servicing LP Countrywide Alternative Loan Trust, Series 2005-20CB ------------------------------------------------------------

Payment Date: 01/25/06 ------------------------------------------------------------ Countrywide Home Loans Servicing LP Countrywide Alternative Loan Trust, Series 2005-20CB ------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans Servicing LP Countrywide Alternative Loan Trust, Series 2005-20CB ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 369,002,764.42 241,168,178.44 359,826,056.01 Loan count 2079 1333 2051 Avg loan rate 5.992738% 6.104450% 6.099522% Prepay amount 2,626,311.73 3,340,570.24 2,611,852.84 Total ----- Prin balance 96,421,762.81 1,066,418,761.68 Loan count 710 6173 Avg loan rate 5.709699% 6.03 Prepay amount 504,617.34 9,083,352.15 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 76,004.03 46,907.10 73,837.25 Sub servicer fees 0.00 0.00 0.00 Trustee fees 2,790.02 1,835.51 2,720.80 Agg advances N/A N/A N/A Adv this period 36,970.80 31,370.71 43,507.78 Total ----- Master serv fees 19,942.32 216,690.71 Sub servicer fees 0.00 0.00 Trustee fees 729.72 8,076.06 Agg advances N/A N/A Adv this period 10,814.45 122,663.74 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Total ----- Realized losses 0.00 0.00 Cumulative losses 0.00 0.00 Coverage Amounts ---------------- Bankruptcy 0.00 0.00 0.00 Fraud 7,939,918.54 5,280,000.00 7,700,000.00 Special Hazard 0.00 0.00 0.00 Total ----- Bankruptcy 0.00 0.00 Fraud 2,099,735.44 23,019,653.98 Special Hazard 0.00 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 94.810566% 100.000000% 1,020,862,989.00 ----------------------------------------------------------------------------- Junior 5.189434% 0.000000% 55,876,698.26 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 69 11,031,141.20 60 to 89 days 23 3,717,681.52 90 or more 19 3,458,132.21 Foreclosure 4 941,892.60 Totals: 115 19,148,847.53 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- REO INFORMATION -------------------------------------------------------------------------------- REO Date Loan Number Ending Stated Balance Book Value -------- ----------- --------------------- ---------- N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A Totals: 0 N/A Current Total Outstanding Balance: 0.00 Current Total Outstanding Number of Loans: 0 -------------------------------------------------------------------------------- OTHER INFORMATION -------------------------------------------------------------------------------- Amount/Withdrawal Total/Ending Bal. ----------------- ----------------- Available remittance amount 15,299,224.97 15,299,224.97 Principal remittance amount 10,480,782.10 10,480,782.10 Interest remittance amount 4,818,442.87 4,818,442.87

ALTERNATIVE LOAN TRUST 2005-20CB 8-K