CWABS INC ASSET BACKED CERTIFICATES SERIES 2005-10
Not applicable. See the Relief Letters.
Not applicable.
None.
Not applicable. See the Relief Letters.
There were no material pending legal proceedings relating to the           Trust Fund to which any of the Trust Fund, the Trustee, the Master           Servicer or the Company was a party or of which any of their           respective properties was the subject during the fiscal year covered           by this Report other than ordinary routine litigation incidental to           the duties of the Trust Fund, the Trustee, the Master Servicer or           the Company, nor is the Company aware of any such proceedings           contemplated by governmental authorities.
No matter was submitted to a vote of Certificateholders, and no           Certificateholder consent was solicited during the fiscal year           covered by this Report.                                         4                                       PART II
(a)  Item 201 of Regulation S-K:                 i.   Market Information. There is no established public trading                     market for the Certificates.                 ii.  Holders. As of December 31, 2005 there were less than 300                     holders of record of the Certificates.                 iii. Dividends. Not applicable. See the Relief Letters.                     (Information as to distributions to Certificateholders is                     provided in the Registrant's monthly filings on Form 8-K.)                 iv.  Securities Authorized for Issuance Under Equity                     Compensation Plans. Not applicable.                 Item 701 of Regulation S-K. Not applicable.            (b)  Rule 463 of the Securities Act of 1933. Not applicable.            (c)  Item 703 of Regulation S-K. Not applicable as the Registrant                has no class of equity securities registered pursuant to                section 12 of the Securities Exchange Act of 1934.
Not applicable. See the Relief Letters.
Not applicable. See the Relief Letters.
Not applicable.
Not applicable. See the Relief Letters.                                         5
None.
Not applicable.
None.                                         6                                      PART III
Not applicable. See the Relief Letters.
Not applicable. See the Relief Letters.
Information required by Item 201(d) of Regulation S-K: Not           applicable.            Information required by Item 403 of Regulation S-K:            (a)  Not applicable. See the Relief Letters.            (b)  Not applicable. See the Relief Letters.            (c)  Not applicable. See the Relief Letters.
Not applicable. See the Relief Letters.
Not applicable.                                         7                                       PART IV
(a)  (1)  Pursuant to the Pooling and Servicing Agreement, the                     Master Servicer is required (i) to deliver an annual                     statement as to compliance with the provisions of the                     Pooling and Servicing Agreement and certain other matters                     (the "Annual Statement of the Master Servicer") and (ii)                     to cause a firm of independent public accountants to                     deliver an annual report as to compliance with the                     servicing provisions of the Pooling and Servicing                     Agreement (the "Annual Report of the Firm of                     Accountants"). The Annual Statement of the Master Servicer                     is attached as Exhibit 99.1 to this Report. The Annual                     Report of the Firm of Accountants is attached as Exhibit                     99.2 to this Report. See Relief Letters.                 (2)  Not applicable.                 (3)  The required exhibits are as follows:                      o    Exhibit 3(i): Copy of Company's Certificate of                          Incorporation (Filed as an Exhibit to Registration                          Statement on Form S-3 (File No. 33-11095)).                      o    Exhibit 3(ii): Copy of Company's By-laws (Filed as an                          Exhibit to Registration Statement on Form S-3 (File                          No. 33-11095)).                      o    Exhibit 4: Pooling and Servicing Agreement (Filed as                          part of the Registrant's Current Report on Form 8-K                          filed on November 9, 2005).                      o    Exhibit 31: Rule 15d-14(a) Certification.                      o    Exhibit 99.1: Annual Statement of the Master                          Servicer.                      o    Exhibit 99.2: Annual Report of the Firm of                          Accountants.            (b)  See subparagraph (a)(3) above.            (c)  Not applicable. See the Relief Letters.                                         8                                     SIGNATURES       Pursuant to the requirements of Section 13 or 15(d) 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.                                       CWABS, INC.,                                      ASSET-BACKED CERTIFICATES TRUST 2005-10,                                      ASSET-BACKED CERTIFICATES, SERIES 2005-10                                       By: Countrywide Home Loans Servicing LP,                                          as Master Servicer*                                       By: Countrywide GP, Inc.                                       By: /s/ Craig Baingo                                          --------------------                                          Name:  Craig Baingo                                          Title: Executive Vice President                                       Date:  March 27, 2006  - ---------  *    This Report is being filed by the Master Servicer on behalf of the Trust      Fund. The Trust Fund does not have any officers or directors.                                         9        SUPPLEMENTAL INFORMATION TO BE FURNISHED WITH REPORTS FILED PURSUANT TO SECTION 15(d) OF THE ACT BY REGISTRANTS WHICH HAVE NOT REGISTERED SECURITIES PURSUANT TO SECTION 12 OF THE ACT.       No such annual report, proxy statement, form of proxy or other soliciting material has been, or will be, sent to Certificateholders. See the Relief Letters.                                         10                                    EXHIBIT INDEX  Exhibit           Document - -------           --------  3(i)              Company's Certificate of Incorporation (Filed as an Exhibit                   to Registration Statement on Form S-3 (File No. 33-11095))*  3(ii)             Company's By-laws (Filed as an Exhibit to Registration                   Statement on Form S-3 (File No. 33-11095))*  4                 Pooling and Servicing Agreement (Filed as part of the                   Company's Current Report on Form 8-K filed on November 9,                   2005)*  31                Rule 15d-14(a) Certification  99.1              Annual Statement of the Master Servicer  99.2              Annual Report of the Firm of Accountants  - ---------  *    Incorporated herein by reference.                                         11    EX-31 2 efc6-0975_5843919ex31.txt                                                                      Exhibit 31                                                                     ----------                                     CERTIFICATION                                  -------------            I, Steve Bailey, certify that:            1. I have reviewed this annual report on Form 10-K, and all reports           on Form 8-K containing distribution and servicing reports filed in           respect of periods included in the year covered by this annual           report, of CWABS, Inc., Asset-Backed Certificates Trust 2005-10;            2. Based on my knowledge, the information in these reports, taken as           a whole, does not contain any untrue statement of a material fact or           omit to state a material fact necessary to make the statements made,           in light of the circumstances under which such statements were made,           not misleading as of the last day of the period covered by this           annual report;            3. Based on my knowledge, the distribution or servicing information           required to be provided to the trustee by the master servicer under           the pooling and servicing, or similar, agreement, for inclusion in           these reports is included in these reports;            4. I am responsible for reviewing the activities performed by the           master servicer under the pooling and servicing, or similar,           agreement and based upon my knowledge and the annual compliance           review required under that agreement, and except as disclosed in the           reports, the master servicer has fulfilled its obligations under           that agreement; and            5. The reports disclose all significant deficiencies relating to the           master servicer's compliance with the minimum servicing standards           based upon the report provided by an independent public accountant,           after conducting a review in compliance with the Uniform Single           Attestation Program for Mortgage Bankers or similar procedure, as           set forth in the pooling and servicing, or similar, agreement, that           is included in these reports.            In giving the certifications above, I have reasonably relied on           information provided to me by the following unaffiliated parties:           The Bank of New York, as Trustee.            Date: March 27, 2006                                         /s/ Steve Bailey                                        ----------------                                        Steve Bailey                                        Senior Managing Director     EX-99.1 3 efc6-0975_5843919ex991.txt                                                                    Exhibit 99.1                                                                   ------------                          COUNTRYWIDE HOME LOANS SERVICING LP                               OFFICERS' CERTIFICATE                     ANNUAL STATEMENT OF THE MASTER SERVICER                                    CWABS, INC.                     ASSET-BACKED CERTIFICATES TRUST 2005-10                    ASSET-BACKED CERTIFICATES, SERIES 2005-10       The undersigned do hereby certify that they are each an officer of Countrywide GP, Inc., general partner of Countrywide Home Loans Servicing LP (a "Master Servicer"), and do hereby further certify pursuant to Section 3.16 of the Pooling and Servicing Agreement for the above-captioned Series (the "Agreement") that:  (i) A review of the activities of the Master Servicer during the preceding calendar year and of the performance of the Master Servicer under the Agreement has been made under our supervision; and  (ii) To the best of our knowledge, based on such review, the Master Servicer has fulfilled all its obligations under the Agreement throughout such year.  /s/ Craig Baingo                       Dated: March 27, 2006 - ----------------  CRAIG BAINGO EXECUTIVE VICE PRESIDENT   /s/ Kevin Meyers                       Dated: March 27, 2006 - ----------------  KEVIN MEYERS MANAGING DIRECTOR, CHIEF FINANCIAL OFFICER, LOAN ADMINISTRATION     EX-99.2 4 efc6-0975_5843919ex992.txt                                                                    Exhibit 99.2                                                                   ------------  [KPMG Logo]                       KPMG LLP                          Telephone 213 972 4000                      Suite 2000                        Fax       213 622 1217                      355 South Grand Avenue            Internet  www.us.kpmg.com                      Los Angeles, CA 90071-1568                         Independent Accountants' Report,                        --------------------------------  The Board of Directors Countrywide Financial Corporation:  We have examined management's assertion, included in the accompanying Management Assertion, that Countrywide Financial Corporation and subsidiaries, including its wholly-owned subsidiary, Countrywide Home Loans, Inc. ("CHL"), and Countrywide Home Loans Servicing, L.P., a wholly-owned subsidiary of CHL, (collectively, the "Company") complied with the minimum servicing standards set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers (USAP) as of and for the year ended December 31, 2005. Management is responsible for the Company's compliance with those minimum servicing standards. Our responsibility is to express an opinion on management's assertion about the Company's compliance based on our examination.  Our examination was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants and, accordingly, included examining, on a test basis, evidence about the Company's compliance with the minimum servicing standards specified above and performing such other procedures as we considered necessary in the circumstances. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on the Company's compliance with the minimum servicing standards.  In our opinion, management's assertion that Countrywide Financial Corporation and subsidiaries, including its wholly-owned subsidiary, Countrywide Home Loans, Inc. ("CHL"), and Countrywide Home Loans Servicing, L.P., a wholly-owned subsidiary of CHL, complied with the aforementioned minimum servicing standards as of and for the year ended December 31, 2005 is fairly stated, in all material respects.                                         KPMG LLP  March 3, 2006             KPMG LLP, a U.S. limited liability partnersnip, is the U S.            member firm of KPMG International, a Swiss cooperative.                                                [LOGO]Countrywide(R)                                             --------------------                                                     HOME LOANS                                              2900 MADERA ROAD                                             SIMI VALLEY, CALIFORNIA 93065-6298                                              (805) 955-1000                               Management Assertion  March 3, 2005  As of and for the year ended December 31, 2005, Countrywide Financial Corporation and subsidiaries, including its wholly-owned subsidiary, Countrywide Home Loans, Inc. ("CHL"), and Countrywide Home Loans Servicing, L.P., a wholly-owned subsidiary of CHL, (collectively, the "Company") have complied in all material respects with the minimum servicing standards set forth in the Mortgage Bankers Association of America's Uniform Single Attestation for Mortgage Bankers. As of and for this same period, the Company had in effect a mortgage bankers' (fidelity) bond in the amount of $200 million and an errors and omissions policy in the amount of $100 million and $130 million for the period January 1, 2005 to August 1, 2005 and for the period from August 1, 2005 to December 31, 2005, respectively.  /s/ Steve Bailey - ------------------------------------- Steve Bailey Senior Managing Director and Chief Executive Officer, Loan Administration    /s/ Kevin Meyers - ------------------------------------- Kevin Meyers Managing Director and Chief Financial Officer, Loan Administration     -----END PRIVACY-ENHANCED MESSAGE-----