Preview
FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021
EXHIBIT D
FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021
March 26, 2021 Account Number:
Mark Barasch
Sent Via First Class Mail
39 Major Lockwood
Pound Ridge, New York 10576
Property Address:
39 Major Lockwood
Pound Ridge, New York 10576
NOTICE OF DEFAULT
AVISO IMPORTANTE PARA PERSONAS QUE HABLAN ESPAÑOL :
Esta notificación es de suma importancia. Puede afectar su derecho a continuar viviendo en su casa. Si no
entiende su contenido, obtenga una traducción inmediatamente o contáctenos ya que tenemos representantes
que hablan español y están disponibles para asistir.
SPECIAL NOTICE IN THE EVENT YOU HAVE FILED BANKRUPTCY
If you have received an Order of Discharge in a Chapter 7 case filed under the Bankruptcy Code of the United
States, this notice is not intended as an attempt to collect any debt from you personally. If you have received
an Order of Discharge in a Chapter 11, 12 or 13 bankruptcy case, this notice is not an attempt to collect a pre-
petition debt pursuant to a completed and confirmed Bankruptcy Plan. If the foregoing applies to you, this
notice is sent to you only as a preliminary step to an “In Rem” foreclosure on the Mortgage against the above-
referenced “Property.” Provisions may be contained within the Mortgage/Deed of Trust that requires notice
prior to foreclosure. As such, this is not an attempt to assert that you have any personal liability for this debt
contrary to any entered Bankruptcy Order of Discharge.
In addition, if you have recently filed a petition under the Bankruptcy Code, this notice has been sent to you
because we have not been notified of your bankruptcy case. If the foregoing applies to you, it is IMPORTANT
that you or your bankruptcy attorney contact us immediately and provide us with the following information:
date and jurisdiction of your filing, your case number and the bankruptcy chapter number under which you
have filed.
Mortgage payments on the above referenced account are past due, which has caused a default under the
terms of the Mortgage or Deed of Trust (hereinafter, “Security Instrument”). As of March 26, 2021, the
following amounts are past due:
Next Payment Due Date: August 1, 2015
Total # of Monthly Payments Due: 67
Total Monthly Payments Due: $121,331.75
Other Charges: Fees/Expenses: $362,600.13
www.MortgageQuestions.com
This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the
debt is in active bankruptcy or has been discharged through bankruptcy, this communication is provided purely for informational purposes only with
regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally. As may be
required by state law, you are hereby notified that negative credit report reflecting on an accountholder’s credit record may be submitted to a credit
reporting agency if credit obligation terms are not fulfilled.
FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021
Uncollected NSF Fees: $0.00
Unapplied Balance: ($0.00)
TOTAL YOU MUST PAY TO CURE DEFAULT: $483,931.88
This amount represents the total amount required to bring the account current as of the date of this letter. If
other amounts are advanced on the account or if the next payment due date occurs on or before the
submission of the total am ount required to cure the default, those amounts will remain on the account until
paid.
In order to cure the default, payment for the entire total amount past due, plus any amount(s) becoming due
in the interim, must be received on or before April 30, 2021, via the addresses or methods listed on the
payment remittance information section included in this notice. Please be aware, after acceleration of the
debt, there may be expenses and attorney’s fees and costs incurred by us to enforce the terms of the Security
Instrument or mortgage agreement, in addition to the overdue amount on the mortgage account. Any
payment to reinstate the mortgage after acceleration must therefore include an amount sufficient to cover
such expenses and fees incurred. Payments received after acceleration that are less than the amount required
to reinstate the mortgage may be returned, and may not stop any foreclosure proceedings already begun on
the Property. This amount represents the total amount required to bring the account current as of the date of
this letter. If other amounts are advanced on the account or if the next payment due date occurs on or before
the submission of the total amount required to cure the default, those amounts will remain on the account
until paid. If certain amounts are not collected to reinstate the account, then those amounts are not waived
and will remain due on the account until paid.
The promises pursuant to the terms of the Note and Secuity Instrument were not kept. Failure to cure the
default on or before the date specified in the notice may require immediate payment in full, and lender or
another person may acquire the Property by means of foreclosure and sale. Upon acceleration, the total
obligation will be immediately due and payable without further demand. If the customer meets the
requirements of paragraph 19 the Security Instrument, then the customer will have the right to have lender’s
enforcement of the Security Instrument stopped and have the Security Instrument remain fully effective as if
immediate payment in full had never been required. In foreclosure proceedings, we are entitled to collect the
total arrearage in addition to any expenses of foreclosure, including, but not limited to, reasonable attorney’s
fees and costs. A customer has the right in any lawsuit for foreclosure and sale to argue that customer did
keep the promises and agreements under the Security Instrument, and to present any other defenses.
We will work with bankruptcy lawyers, foreclosure defense lawyers, housing counselors, and other authorized
representatives of our customers. However, we will only release information once proper written
authorization has been obtained, as required by law.
www.MortgageQuestions.com
This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the
debt is in active bankruptcy or has been discharged through bankruptcy, this communication is provided purely for informational purposes only with
regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally. As may be
required by state law, you are hereby notified that negative credit report reflecting on an accountholder’s credit record may be submitted to a credit
reporting agency if credit obligation terms are not fulfilled.
FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021
In addition, a U.S. Department of Housing and Urban Development (“HUD”) counseling agency may be able to
provide assistance. To locate the HUD-approved counseling agency, call the HUD Housing Counseling Services
at 800.569.4287 or consult HUD’s website at www.HUD.gov.
Attention Servicemembers and Dependents: Servicemembers on “active duty” or “active service”, or a spouse
or dependent of such a service member, may be entitled to certain legal protections under the federal
Servicemembers Civil Relief Act (50 U.S.C. App.§§ 3901) (“SCRA”) regarding the service member’s interest rate
and foreclosure protections. SCRA and certain state laws provide important protections for you. If you are
currently in the military service, or have been within the last twelve (12) months, please notify PHH Mortgage
Services immediately. Servicemembers and dependents with questions about SCRA should contact their unit’s
Judge Advocate, or their installation’s Legal Assistance Office. A military legal assistance office locator for all
branches of the Armed Forces is available at http://legalassistance.law.af.mil/content/locator.php. Military
OneSource is the U.S. Department of Defense’s information resource. If you are listed as entitled to legal
protections under SCRA, please to go www.militarysource.mil/legal or call 800.342.9647 (toll-free from United
States) to find out more information. Dialing instructions for areas outside the United States are provided on
the website. Homeowner counseling is also available at HUD-certified housing counselors
http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm).
If the mortgage account cannot be brought current, we should be contacted immediately to discuss possible
alternatives to foreclosure. We want to help remedy the delinquent status of this account and would like to
discuss alternatives that might be available. While our primary objective is the collection of past due amounts
on the account, we want to work to find the best available alternative to bring the account current.
Please visit our website at www.MortgageQuestions.com where the account can be reviewed and financial
information entered.
Sincerely,
Loan Servicing
Toll Free Phone: 800.746.2936
ADDRESS WRITTEN CORRESPONDENCE TO:
Ocwen Loan Servicing, LLC
Attentiion: Research Department
P.O. Box 24736
West Palm Beach, FL 33416-4736
www.MortgageQuestions.com
This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the
debt is in active bankruptcy or has been discharged through bankruptcy, this communication is provided purely for informational purposes only with
regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally. As may be
required by state law, you are hereby notified that negative credit report reflecting on an accountholder’s credit record may be submitted to a credit
reporting agency if credit obligation terms are not fulfilled.
FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021
PAYMENT REMITTANCE INFORMATION
Payment Methods
Always include the account number with the payment. Make checks payable to PHH
Mortgage Services
MoneyGram® Regular Mail
Receive Code: PHH Mortgage Services
City: Mount Laurel P.O. Box 371458
State: NJ Pittsburgh, PA 15250-7458
Account:
Payable to: PHH Mortgage Services
Western Union Quick Collect Overnight Mail
Code City: PHHUS PHH Mortgage Services
State: NJ Attn:P.O. Box 371458
Reference: Account: 500 Ross Street 154-0470
Pittsburgh, PA 15250
Pay online: Log in to www.MortgageQuestions.com to make a payment.
www.MortgageQuestions.com
This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the
debt is in active bankruptcy or has been discharged through bankruptcy, this communication is provided purely for informational purposes only with
regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally. As may be
required by state law, you are hereby notified that negative credit report reflecting on an accountholder’s credit record may be submitted to a credit
reporting agency if credit obligation terms are not fulfilled.
FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021
Account Number:
March 26, 2021
Ellen Barasch Sent Via First Class Mail
39 Major Lockwood
Pound Ridge, New York 10576 Property Address:
39 Major Lockwood
Pound Ridge, New York 10576
NOTICE OF DEFAULT
AVISO IMPORTANTE PARA PERSONAS QUE HABLAN ESPAÑOL :
Esta notificación es de suma importancia. Puede afectar su derecho a continuar viviendo en su casa. Si no
entiende su contenido, obtenga una traducción inmediatamente o contáctenos ya que tenemos representantes
que hablan español y están disponibles para asistir.
SPECIAL NOTICE IN THE EVENT YOU HAVE FILED BANKRUPTCY
If you have received an Order of Discharge in a Chapter 7 case filed under the Bankruptcy Code of the United
States, this notice is not intended as an attempt to collect any debt from you personally. If you have received
an Order of Discharge in a Chapter 11, 12 or 13 bankruptcy case, this notice is not an attempt to collect a pre-
petition debt pursuant to a completed and confirmed Bankruptcy Plan. If the foregoing applies to you, this
notice is sent to you only as a preliminary step to an “In Rem” foreclosure on the Mortgage against the above-
referenced “Property.” Provisions may be contained within the Mortgage/Deed of Trust that requires notice
prior to foreclosure. As such, this is not an attempt to assert that you have any personal liability for this debt
contrary to any entered Bankruptcy Order of Discharge.
In addition, if you have recently filed a petition under the Bankruptcy Code, this notice has been sent to you
because we have not been notified of your bankruptcy case. If the foregoing applies to you, it is IMPORTANT
that you or your bankruptcy attorney contact us immediately and provide us with the following information:
date and jurisdiction of your filing, your case number and the bankruptcy chapter number under which you
have filed.
Mortgage payments on the above referenced account are past due, which has caused a default under the
terms of the Mortgage or Deed of Trust (hereinafter, “Security Instrument”). As of March 26, 2021, the
following amounts are past due:
Next Payment Due Date: August 1, 2015
Total # of Monthly Payments Due: 67
Total Monthly Payments Due: $121,331.75
Other Charges: Fees/Expenses: $362,600.13
www.MortgageQuestions.com
This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the
debt is in active bankruptcy or has been discharged through bankruptcy, this communication is provided purely for informational purposes only with
regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally. As may be
required by state law, you are hereby notified that negative credit report reflecting on an accountholder’s credit record may be submitted to a credit
reporting agency if credit obligation terms are not fulfilled.
FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021
Uncollected NSF Fees: $0.00
Unapplied Balance: ($0.00)
TOTAL YOU MUST PAY TO CURE DEFAULT: $483,931.88
This amount represents the total amount required to bring the account current as of the date of this letter. If
other amounts are advanced on the account or if the next payment due date occurs on or before the
submission of the total am ount required to cure the default, those amounts will remain on the account until
paid.
In order to cure the default, payment for the entire total amount past due, plus any amount(s) becoming due
in the interim, must be received on or before April 30, 2021, via the addresses or methods listed on the
payment remittance information section included in this notice. Please be aware, after acceleration of the
debt, there may be expenses and attorney’s fees and costs incurred by us to enforce the terms of the Security
Instrument or mortgage agreement, in addition to the overdue amount on the mortgage account. Any
payment to reinstate the mortgage after acceleration must therefore include an amount sufficient to cover
such expenses and fees incurred. Payments received after acceleration that are less than the amount required
to reinstate the mortgage may be returned, and may not stop any foreclosure proceedings already begun on
the Property. This amount represents the total amount required to bring the account current as of the date of
this letter. If other amounts are advanced on the account or if the next payment due date occurs on or before
the submission of the total amount required to cure the default, those amounts will remain on the account
until paid. If certain amounts are not collected to reinstate the account, then those amounts are not waived
and will remain due on the account until paid.
The promises pursuant to the terms of the Note and Secuity Instrument were not kept. Failure to cure the
default on or before the date specified in the notice may require immediate payment in full, and lender or
another person may acquire the Property by means of foreclosure and sale. Upon acceleration, the total
obligation will be immediately due and payable without further demand. If the customer meets the
requirements of paragraph 19 the Security Instrument, then the customer will have the right to have lender’s
enforcement of the Security Instrument stopped and have the Security Instrument remain fully effective as if
immediate payment in full had never been required. In foreclosure proceedings, we are entitled to collect the
total arrearage in addition to any expenses of foreclosure, including, but not limited to, reasonable attorney’s
fees and costs. A customer has the right in any lawsuit for foreclosure and sale to argue that customer did
keep the promises and agreements under the Security Instrument, and to present any other defenses.
We will work with bankruptcy lawyers, foreclosure defense lawyers, housing counselors, and other authorized
representatives of our customers. However, we will only release information once proper written
authorization has been obtained, as required by law.
www.MortgageQuestions.com
This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the
debt is in active bankruptcy or has been discharged through bankruptcy, this communication is provided purely for informational purposes only with
regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally. As may be
required by state law, you are hereby notified that negative credit report reflecting on an accountholder’s credit record may be submitted to a credit
reporting agency if credit obligation terms are not fulfilled.
FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021
In addition, a U.S. Department of Housing and Urban Development (“HUD”) counseling agency may be able to
provide assistance. To locate the HUD-approved counseling agency, call the HUD Housing Counseling Services
at 800.569.4287 or consult HUD’s website at www.HUD.gov.
Attention Servicemembers and Dependents: Servicemembers on “active duty” or “active service”, or a spouse
or dependent of such a service member, may be entitled to certain legal protections under the federal
Servicemembers Civil Relief Act (50 U.S.C. App.§§ 3901) (“SCRA”) regarding the service member’s interest rate
and foreclosure protections. SCRA and certain state laws provide important protections for you. If you are
currently in the military service, or have been within the last twelve (12) months, please notify PHH Mortgage
Services immediately. Servicemembers and dependents with questions about SCRA should contact their unit’s
Judge Advocate, or their installation’s Legal Assistance Office. A military legal assistance office locator for all
branches of the Armed Forces is available at http://legalassistance.law.af.mil/content/locator.php. Military
OneSource is the U.S. Department of Defense’s information resource. If you are listed as entitled to legal
protections under SCRA, please to go www.militarysource.mil/legal or call 800.342.9647 (toll-free from United
States) to find out more information. Dialing instructions for areas outside the United States are provided on
the website. Homeowner counseling is also available at HUD-certified housing counselors
http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm).
If the mortgage account cannot be brought current, we should be contacted immediately to discuss possible
alternatives to foreclosure. We want to help remedy the delinquent status of this account and would like to
discuss alternatives that might be available. While our primary objective is the collection of past due amounts
on the account, we want to work to find the best available alternative to bring the account current.
Please visit our website at www.MortgageQuestions.com where the account can be reviewed and financial
information entered.
Sincerely,
Loan Servicing
Toll Free Phone: 800.746.2936
ADDRESS WRITTEN CORRESPONDENCE TO:
Ocwen Loan Servicing, LLC
Attentiion: Research Department
P.O. Box 24736
West Palm Beach, FL 33416-4736
www.MortgageQuestions.com
This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the
debt is in active bankruptcy or has been discharged through bankruptcy, this communication is provided purely for informational purposes only with
regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally. As may be
required by state law, you are hereby notified that negative credit report reflecting on an accountholder’s credit record may be submitted to a credit
reporting agency if credit obligation terms are not fulfilled.
FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021
PAYMENT REMITTANCE INFORMATION
Payment Methods
Always include the account number with the payment. Make checks payable to PHH
Mortgage Services
MoneyGram® Regular Mail
Receive Code: PHH Mortgage Services
City: Mount Laurel P.O. Box 371458
State: NJ Pittsburgh, PA 15250-7458
Account:
Payable to: PHH Mortgage Services
Western Union Quick Collect Overnight Mail
Code City: PHHUS PHH Mortgage Services
State: NJ Attn:P.O. Box 371458
Reference: Account: 500 Ross Street 154-0470
Pittsburgh, PA 15250
Pay online: Log in to www.MortgageQuestions.com to make a payment.
www.MortgageQuestions.com
This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the
debt is in active bankruptcy or has been discharged through bankruptcy, this communication is provided purely for informational purposes only with
regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally. As may be
required by state law, you are hereby notified that negative credit report reflecting on an accountholder’s credit record may be submitted to a credit
reporting agency if credit obligation terms are not fulfilled.
FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021
March 26, 2021 Account Number:
Mark Barasch Sent Via First Class Mail
39 Major Lockwood
Pound Ridge, New York 10576 Property Address:
39 Major Lockwood
Pound Ridge, New York 10576
YOU MAY BE AT RISK OF FORECLOSURE.
PLEASE READ THE FOLLOWING NOTICE CAREFULLY
As of March 26, 2021, your home loan is 2,039 days and $1,166,770.82 dollars in default.
Under New York State Law, we are required to send you this notice to inform you that you are at risk of losing
your home.
Attached to this notice is a list of government approved housing counseling agencies in your area which
provide free counseling.
You can also call the NYS Office of the Attorney General’s Homeowner Protection Program (HOPP) toll-free
consumer hotline to be connected to free housing counseling services in your area at 1-855-HOME-456 (1-
855-466-3456), or visit their website at http://www.aghomehelp.com/. A statewide listing by county is also
available at http://www.dfs.ny.gov/consumer/mortg_nys_np_counseling_agencies.htm.
Qualified free help is available; watch out for companies or people who charge a fee for these services.
Housing counselors from New York-based agencies listed on the website above are trained to help
homeowners who are having problems making their mortgage payments and can help you find the best
option for your situation. If you wish, you may also contact us directly at 888.820.6474 and ask to discuss
possible options.
While we cannot assure that a mutually agreeable resolution is possible, we encourage you to take immediate
steps to try to achieve a resolution. The longer you wait, the fewer options you may have.
If you have not taken any actions to resolve this matter within 90 days from the date this notice was mailed,
we may commence legal action against you (or sooner if you cease to live in the dwelling as your primary
residence.)
www.MortgageQuestions.com
This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose.
However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is provided purely for
informational purposes only with regard to our secured lien on the above referenced property. It is not intended as an attempt to
collect a debt from you personally. As may be required by state law, you are hereby notified that a negative credit report reflecting on
an accountholder’s credit record may be submitted to a credit reporting agency if credit oblication terms are not fulfilled.
FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021
If you need further information, please call the New York State Department of Financial Services' toll-free
helpline at (800) 342-3736 or visit the Department's website at www.dfs.ny.gov.
IMPORTANT: You have the right to remain in your home until you receive a court order telling you to leave the
property. If a foreclosure action is filed against you in court, you still have the right to remain in the home
until a court orders you to leave. You legally remain the owner of and are responsible for the property until
the property is sold by you or by order of the court at the conclusion of any foreclosure proceedings. This
notice is not an eviction notice, and a foreclosure action has not yet been commenced against you.
www.MortgageQuestions.com
This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose.
However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is provided purely for
informational purposes only with regard to our secured lien on the above referenced property. It is not intended as an attempt to
collect a debt from you personally. As may be required by state law, you are hereby notified that a negative credit report reflecting on
an accountholder’s credit record may be submitted to a credit reporting agency if credit oblication terms are not fulfilled.
FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021
New York Housing Counseling Agencies Provid ing Services to Horneowners in Default and Foreclosure - Statewide Listing by County - Compiled by theEmpir
StateNon-Profit
COUNTY AGENCY ADDRESS NOTES
HOPP
Affordable
518-434-
Housing 255 Orange St.,Albany, NY 12210 Also serves
.. Partnership surroundingareas
HOPP
Albany County
518-765-
Rural Housing 24 Martin Road, Voorheesville, NY 12186 Also serves
2425
Alliance surrounding areas
HOPP
Albany .
For tenants whose
United Tenants 518-436- buildingsare in the
255 Orange St., Albany, NY 12210
of Albany 8997 process of
foreclosure or have
been foreclosed on
HOPP
Better
518-372-
Neighborhoods, 120 Emmons St.,Schenectady, NY 12304 Spanish speaking
6460
Inc. staffavailable
585-268-
ACCORD 84 Schuyler St., Belmont, NY 14813 HOPP
7605
Neighborhood
Also serving
716-823-
Housing
1937 South Park Ave. Buffalo, NY 14220 surrounding
Services of 3630
counties
Buffalo
The Bronx
HOPP
Neighborhood
718-881-
Housing 1451 East Gun HillRd., Bronx, NY 10469 Spanish speaking
Services CDC, staffavailable
Inc.
HOPP
MHANY Spanish, Italian,
1 Metro Tech Center North 11th Floor, 718-246-
Management, Greek, and Haitian
Brooklyn, NY 11201 8080 ext 203
Inc. Creole speaking staff
https://www,dfs.ny.gov/consumer/mortg_nys_np_counseling_agencies.htrn[5/15/2019 1:14:14 PM]
FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021
New York Housing Counseling Agencies Providing Services to Homeowners in Default and Foreclosure - Statewide Listing by County - Compiled by the Empir
StateNon-Profit
available
HOPP
Spanish, Russian,
Cantonese,
Housing and
Mandarin, Patois,
Services 718-435-
Family
415 Albemarle Rd., Brooklyn, NY 11218 HaitianCreole,and
of Greater New 7585
Bronx French Creole
York, Inc.
speaking staff
Translation
available. 1
Service available
718-418- HOPP
Grow Brooklyn,
1474 Myrtle Ave., Brooklyn, NY 11237 8232 ext. Spanish speaking
Inc.
2060 staffavailable
307 West 36th Street, 12th Floor, New York, NY
Neighborhood 10018
929-268- Spanish speaking
Housing
Foreclosure Department: 3790 staffavailable
Services NYC
2475 Westchester Avenue, Bronx, NY 10461
718-579-6728
NYC
1932 Arthur Avenue, Room 203A, Bronx, NY Spanish speaking
Commission on OR
10457 staffavailable
Human Rights
718-579-6900
Metro Interfaith
607-772-
Housing
21 New St., Binghamton, NY 13903 HOPP
Management 6766
Corp.
Chautauqua
716-661-
Opportunities, 402 Chandler St.,Jamestown, NY 14701 HOPP
9430
Inc.
585-268-
ACCORD 84 Schuyler St., Belmont, NY 14813 HOPP
7605
Neighborhood
Housing 716-823-
1937 South Park Ave., Buffalo, NY 14220
Services of 3630
agencies,htm[5/15/2019 1:14:14 PM]
https://www.dfs.ny.gov/consumer/mortg_nys_np_counseling
FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021
NYSCEF DOC.
New York NO. 5
StateNon-Profit RECEIVED NYSCEF:
Housing Counseling Agencies Providing Services to Homeowners in Default and Foreclosure - Statewide 06/25/2021
Listing by County - Compiled by theEmpir
South Buffalo
Preview
FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021 EXHIBIT D FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021 March 26, 2021 Account Number: Mark Barasch Sent Via First Class Mail 39 Major Lockwood Pound Ridge, New York 10576 Property Address: 39 Major Lockwood Pound Ridge, New York 10576 NOTICE OF DEFAULT AVISO IMPORTANTE PARA PERSONAS QUE HABLAN ESPAÑOL : Esta notificación es de suma importancia. Puede afectar su derecho a continuar viviendo en su casa. Si no entiende su contenido, obtenga una traducción inmediatamente o contáctenos ya que tenemos representantes que hablan español y están disponibles para asistir. SPECIAL NOTICE IN THE EVENT YOU HAVE FILED BANKRUPTCY If you have received an Order of Discharge in a Chapter 7 case filed under the Bankruptcy Code of the United States, this notice is not intended as an attempt to collect any debt from you personally. If you have received an Order of Discharge in a Chapter 11, 12 or 13 bankruptcy case, this notice is not an attempt to collect a pre- petition debt pursuant to a completed and confirmed Bankruptcy Plan. If the foregoing applies to you, this notice is sent to you only as a preliminary step to an “In Rem” foreclosure on the Mortgage against the above- referenced “Property.” Provisions may be contained within the Mortgage/Deed of Trust that requires notice prior to foreclosure. As such, this is not an attempt to assert that you have any personal liability for this debt contrary to any entered Bankruptcy Order of Discharge. In addition, if you have recently filed a petition under the Bankruptcy Code, this notice has been sent to you because we have not been notified of your bankruptcy case. If the foregoing applies to you, it is IMPORTANT that you or your bankruptcy attorney contact us immediately and provide us with the following information: date and jurisdiction of your filing, your case number and the bankruptcy chapter number under which you have filed. Mortgage payments on the above referenced account are past due, which has caused a default under the terms of the Mortgage or Deed of Trust (hereinafter, “Security Instrument”). As of March 26, 2021, the following amounts are past due: Next Payment Due Date: August 1, 2015 Total # of Monthly Payments Due: 67 Total Monthly Payments Due: $121,331.75 Other Charges: Fees/Expenses: $362,600.13 www.MortgageQuestions.com This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is provided purely for informational purposes only with regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally. As may be required by state law, you are hereby notified that negative credit report reflecting on an accountholder’s credit record may be submitted to a credit reporting agency if credit obligation terms are not fulfilled. FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021 Uncollected NSF Fees: $0.00 Unapplied Balance: ($0.00) TOTAL YOU MUST PAY TO CURE DEFAULT: $483,931.88 This amount represents the total amount required to bring the account current as of the date of this letter. If other amounts are advanced on the account or if the next payment due date occurs on or before the submission of the total am ount required to cure the default, those amounts will remain on the account until paid. In order to cure the default, payment for the entire total amount past due, plus any amount(s) becoming due in the interim, must be received on or before April 30, 2021, via the addresses or methods listed on the payment remittance information section included in this notice. Please be aware, after acceleration of the debt, there may be expenses and attorney’s fees and costs incurred by us to enforce the terms of the Security Instrument or mortgage agreement, in addition to the overdue amount on the mortgage account. Any payment to reinstate the mortgage after acceleration must therefore include an amount sufficient to cover such expenses and fees incurred. Payments received after acceleration that are less than the amount required to reinstate the mortgage may be returned, and may not stop any foreclosure proceedings already begun on the Property. This amount represents the total amount required to bring the account current as of the date of this letter. If other amounts are advanced on the account or if the next payment due date occurs on or before the submission of the total amount required to cure the default, those amounts will remain on the account until paid. If certain amounts are not collected to reinstate the account, then those amounts are not waived and will remain due on the account until paid. The promises pursuant to the terms of the Note and Secuity Instrument were not kept. Failure to cure the default on or before the date specified in the notice may require immediate payment in full, and lender or another person may acquire the Property by means of foreclosure and sale. Upon acceleration, the total obligation will be immediately due and payable without further demand. If the customer meets the requirements of paragraph 19 the Security Instrument, then the customer will have the right to have lender’s enforcement of the Security Instrument stopped and have the Security Instrument remain fully effective as if immediate payment in full had never been required. In foreclosure proceedings, we are entitled to collect the total arrearage in addition to any expenses of foreclosure, including, but not limited to, reasonable attorney’s fees and costs. A customer has the right in any lawsuit for foreclosure and sale to argue that customer did keep the promises and agreements under the Security Instrument, and to present any other defenses. We will work with bankruptcy lawyers, foreclosure defense lawyers, housing counselors, and other authorized representatives of our customers. However, we will only release information once proper written authorization has been obtained, as required by law. www.MortgageQuestions.com This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is provided purely for informational purposes only with regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally. As may be required by state law, you are hereby notified that negative credit report reflecting on an accountholder’s credit record may be submitted to a credit reporting agency if credit obligation terms are not fulfilled. FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021 In addition, a U.S. Department of Housing and Urban Development (“HUD”) counseling agency may be able to provide assistance. To locate the HUD-approved counseling agency, call the HUD Housing Counseling Services at 800.569.4287 or consult HUD’s website at www.HUD.gov. Attention Servicemembers and Dependents: Servicemembers on “active duty” or “active service”, or a spouse or dependent of such a service member, may be entitled to certain legal protections under the federal Servicemembers Civil Relief Act (50 U.S.C. App.§§ 3901) (“SCRA”) regarding the service member’s interest rate and foreclosure protections. SCRA and certain state laws provide important protections for you. If you are currently in the military service, or have been within the last twelve (12) months, please notify PHH Mortgage Services immediately. Servicemembers and dependents with questions about SCRA should contact their unit’s Judge Advocate, or their installation’s Legal Assistance Office. A military legal assistance office locator for all branches of the Armed Forces is available at http://legalassistance.law.af.mil/content/locator.php. Military OneSource is the U.S. Department of Defense’s information resource. If you are listed as entitled to legal protections under SCRA, please to go www.militarysource.mil/legal or call 800.342.9647 (toll-free from United States) to find out more information. Dialing instructions for areas outside the United States are provided on the website. Homeowner counseling is also available at HUD-certified housing counselors http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm). If the mortgage account cannot be brought current, we should be contacted immediately to discuss possible alternatives to foreclosure. We want to help remedy the delinquent status of this account and would like to discuss alternatives that might be available. While our primary objective is the collection of past due amounts on the account, we want to work to find the best available alternative to bring the account current. Please visit our website at www.MortgageQuestions.com where the account can be reviewed and financial information entered. Sincerely, Loan Servicing Toll Free Phone: 800.746.2936 ADDRESS WRITTEN CORRESPONDENCE TO: Ocwen Loan Servicing, LLC Attentiion: Research Department P.O. Box 24736 West Palm Beach, FL 33416-4736 www.MortgageQuestions.com This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is provided purely for informational purposes only with regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally. As may be required by state law, you are hereby notified that negative credit report reflecting on an accountholder’s credit record may be submitted to a credit reporting agency if credit obligation terms are not fulfilled. FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021 PAYMENT REMITTANCE INFORMATION Payment Methods Always include the account number with the payment. Make checks payable to PHH Mortgage Services MoneyGram® Regular Mail Receive Code: PHH Mortgage Services City: Mount Laurel P.O. Box 371458 State: NJ Pittsburgh, PA 15250-7458 Account: Payable to: PHH Mortgage Services Western Union Quick Collect Overnight Mail Code City: PHHUS PHH Mortgage Services State: NJ Attn:P.O. Box 371458 Reference: Account: 500 Ross Street 154-0470 Pittsburgh, PA 15250 Pay online: Log in to www.MortgageQuestions.com to make a payment. www.MortgageQuestions.com This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is provided purely for informational purposes only with regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally. As may be required by state law, you are hereby notified that negative credit report reflecting on an accountholder’s credit record may be submitted to a credit reporting agency if credit obligation terms are not fulfilled. FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021 Account Number: March 26, 2021 Ellen Barasch Sent Via First Class Mail 39 Major Lockwood Pound Ridge, New York 10576 Property Address: 39 Major Lockwood Pound Ridge, New York 10576 NOTICE OF DEFAULT AVISO IMPORTANTE PARA PERSONAS QUE HABLAN ESPAÑOL : Esta notificación es de suma importancia. Puede afectar su derecho a continuar viviendo en su casa. Si no entiende su contenido, obtenga una traducción inmediatamente o contáctenos ya que tenemos representantes que hablan español y están disponibles para asistir. SPECIAL NOTICE IN THE EVENT YOU HAVE FILED BANKRUPTCY If you have received an Order of Discharge in a Chapter 7 case filed under the Bankruptcy Code of the United States, this notice is not intended as an attempt to collect any debt from you personally. If you have received an Order of Discharge in a Chapter 11, 12 or 13 bankruptcy case, this notice is not an attempt to collect a pre- petition debt pursuant to a completed and confirmed Bankruptcy Plan. If the foregoing applies to you, this notice is sent to you only as a preliminary step to an “In Rem” foreclosure on the Mortgage against the above- referenced “Property.” Provisions may be contained within the Mortgage/Deed of Trust that requires notice prior to foreclosure. As such, this is not an attempt to assert that you have any personal liability for this debt contrary to any entered Bankruptcy Order of Discharge. In addition, if you have recently filed a petition under the Bankruptcy Code, this notice has been sent to you because we have not been notified of your bankruptcy case. If the foregoing applies to you, it is IMPORTANT that you or your bankruptcy attorney contact us immediately and provide us with the following information: date and jurisdiction of your filing, your case number and the bankruptcy chapter number under which you have filed. Mortgage payments on the above referenced account are past due, which has caused a default under the terms of the Mortgage or Deed of Trust (hereinafter, “Security Instrument”). As of March 26, 2021, the following amounts are past due: Next Payment Due Date: August 1, 2015 Total # of Monthly Payments Due: 67 Total Monthly Payments Due: $121,331.75 Other Charges: Fees/Expenses: $362,600.13 www.MortgageQuestions.com This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is provided purely for informational purposes only with regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally. As may be required by state law, you are hereby notified that negative credit report reflecting on an accountholder’s credit record may be submitted to a credit reporting agency if credit obligation terms are not fulfilled. FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021 Uncollected NSF Fees: $0.00 Unapplied Balance: ($0.00) TOTAL YOU MUST PAY TO CURE DEFAULT: $483,931.88 This amount represents the total amount required to bring the account current as of the date of this letter. If other amounts are advanced on the account or if the next payment due date occurs on or before the submission of the total am ount required to cure the default, those amounts will remain on the account until paid. In order to cure the default, payment for the entire total amount past due, plus any amount(s) becoming due in the interim, must be received on or before April 30, 2021, via the addresses or methods listed on the payment remittance information section included in this notice. Please be aware, after acceleration of the debt, there may be expenses and attorney’s fees and costs incurred by us to enforce the terms of the Security Instrument or mortgage agreement, in addition to the overdue amount on the mortgage account. Any payment to reinstate the mortgage after acceleration must therefore include an amount sufficient to cover such expenses and fees incurred. Payments received after acceleration that are less than the amount required to reinstate the mortgage may be returned, and may not stop any foreclosure proceedings already begun on the Property. This amount represents the total amount required to bring the account current as of the date of this letter. If other amounts are advanced on the account or if the next payment due date occurs on or before the submission of the total amount required to cure the default, those amounts will remain on the account until paid. If certain amounts are not collected to reinstate the account, then those amounts are not waived and will remain due on the account until paid. The promises pursuant to the terms of the Note and Secuity Instrument were not kept. Failure to cure the default on or before the date specified in the notice may require immediate payment in full, and lender or another person may acquire the Property by means of foreclosure and sale. Upon acceleration, the total obligation will be immediately due and payable without further demand. If the customer meets the requirements of paragraph 19 the Security Instrument, then the customer will have the right to have lender’s enforcement of the Security Instrument stopped and have the Security Instrument remain fully effective as if immediate payment in full had never been required. In foreclosure proceedings, we are entitled to collect the total arrearage in addition to any expenses of foreclosure, including, but not limited to, reasonable attorney’s fees and costs. A customer has the right in any lawsuit for foreclosure and sale to argue that customer did keep the promises and agreements under the Security Instrument, and to present any other defenses. We will work with bankruptcy lawyers, foreclosure defense lawyers, housing counselors, and other authorized representatives of our customers. However, we will only release information once proper written authorization has been obtained, as required by law. www.MortgageQuestions.com This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is provided purely for informational purposes only with regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally. As may be required by state law, you are hereby notified that negative credit report reflecting on an accountholder’s credit record may be submitted to a credit reporting agency if credit obligation terms are not fulfilled. FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021 In addition, a U.S. Department of Housing and Urban Development (“HUD”) counseling agency may be able to provide assistance. To locate the HUD-approved counseling agency, call the HUD Housing Counseling Services at 800.569.4287 or consult HUD’s website at www.HUD.gov. Attention Servicemembers and Dependents: Servicemembers on “active duty” or “active service”, or a spouse or dependent of such a service member, may be entitled to certain legal protections under the federal Servicemembers Civil Relief Act (50 U.S.C. App.§§ 3901) (“SCRA”) regarding the service member’s interest rate and foreclosure protections. SCRA and certain state laws provide important protections for you. If you are currently in the military service, or have been within the last twelve (12) months, please notify PHH Mortgage Services immediately. Servicemembers and dependents with questions about SCRA should contact their unit’s Judge Advocate, or their installation’s Legal Assistance Office. A military legal assistance office locator for all branches of the Armed Forces is available at http://legalassistance.law.af.mil/content/locator.php. Military OneSource is the U.S. Department of Defense’s information resource. If you are listed as entitled to legal protections under SCRA, please to go www.militarysource.mil/legal or call 800.342.9647 (toll-free from United States) to find out more information. Dialing instructions for areas outside the United States are provided on the website. Homeowner counseling is also available at HUD-certified housing counselors http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm). If the mortgage account cannot be brought current, we should be contacted immediately to discuss possible alternatives to foreclosure. We want to help remedy the delinquent status of this account and would like to discuss alternatives that might be available. While our primary objective is the collection of past due amounts on the account, we want to work to find the best available alternative to bring the account current. Please visit our website at www.MortgageQuestions.com where the account can be reviewed and financial information entered. Sincerely, Loan Servicing Toll Free Phone: 800.746.2936 ADDRESS WRITTEN CORRESPONDENCE TO: Ocwen Loan Servicing, LLC Attentiion: Research Department P.O. Box 24736 West Palm Beach, FL 33416-4736 www.MortgageQuestions.com This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is provided purely for informational purposes only with regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally. As may be required by state law, you are hereby notified that negative credit report reflecting on an accountholder’s credit record may be submitted to a credit reporting agency if credit obligation terms are not fulfilled. FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021 PAYMENT REMITTANCE INFORMATION Payment Methods Always include the account number with the payment. Make checks payable to PHH Mortgage Services MoneyGram® Regular Mail Receive Code: PHH Mortgage Services City: Mount Laurel P.O. Box 371458 State: NJ Pittsburgh, PA 15250-7458 Account: Payable to: PHH Mortgage Services Western Union Quick Collect Overnight Mail Code City: PHHUS PHH Mortgage Services State: NJ Attn:P.O. Box 371458 Reference: Account: 500 Ross Street 154-0470 Pittsburgh, PA 15250 Pay online: Log in to www.MortgageQuestions.com to make a payment. www.MortgageQuestions.com This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is provided purely for informational purposes only with regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally. As may be required by state law, you are hereby notified that negative credit report reflecting on an accountholder’s credit record may be submitted to a credit reporting agency if credit obligation terms are not fulfilled. FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021 March 26, 2021 Account Number: Mark Barasch Sent Via First Class Mail 39 Major Lockwood Pound Ridge, New York 10576 Property Address: 39 Major Lockwood Pound Ridge, New York 10576 YOU MAY BE AT RISK OF FORECLOSURE. PLEASE READ THE FOLLOWING NOTICE CAREFULLY As of March 26, 2021, your home loan is 2,039 days and $1,166,770.82 dollars in default. Under New York State Law, we are required to send you this notice to inform you that you are at risk of losing your home. Attached to this notice is a list of government approved housing counseling agencies in your area which provide free counseling. You can also call the NYS Office of the Attorney General’s Homeowner Protection Program (HOPP) toll-free consumer hotline to be connected to free housing counseling services in your area at 1-855-HOME-456 (1- 855-466-3456), or visit their website at http://www.aghomehelp.com/. A statewide listing by county is also available at http://www.dfs.ny.gov/consumer/mortg_nys_np_counseling_agencies.htm. Qualified free help is available; watch out for companies or people who charge a fee for these services. Housing counselors from New York-based agencies listed on the website above are trained to help homeowners who are having problems making their mortgage payments and can help you find the best option for your situation. If you wish, you may also contact us directly at 888.820.6474 and ask to discuss possible options. While we cannot assure that a mutually agreeable resolution is possible, we encourage you to take immediate steps to try to achieve a resolution. The longer you wait, the fewer options you may have. If you have not taken any actions to resolve this matter within 90 days from the date this notice was mailed, we may commence legal action against you (or sooner if you cease to live in the dwelling as your primary residence.) www.MortgageQuestions.com This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is provided purely for informational purposes only with regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally. As may be required by state law, you are hereby notified that a negative credit report reflecting on an accountholder’s credit record may be submitted to a credit reporting agency if credit oblication terms are not fulfilled. FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021 If you need further information, please call the New York State Department of Financial Services' toll-free helpline at (800) 342-3736 or visit the Department's website at www.dfs.ny.gov. IMPORTANT: You have the right to remain in your home until you receive a court order telling you to leave the property. If a foreclosure action is filed against you in court, you still have the right to remain in the home until a court orders you to leave. You legally remain the owner of and are responsible for the property until the property is sold by you or by order of the court at the conclusion of any foreclosure proceedings. This notice is not an eviction notice, and a foreclosure action has not yet been commenced against you. www.MortgageQuestions.com This communication is from a debt collector attempting to collect a debt; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is provided purely for informational purposes only with regard to our secured lien on the above referenced property. It is not intended as an attempt to collect a debt from you personally. As may be required by state law, you are hereby notified that a negative credit report reflecting on an accountholder’s credit record may be submitted to a credit reporting agency if credit oblication terms are not fulfilled. FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021 New York Housing Counseling Agencies Provid ing Services to Horneowners in Default and Foreclosure - Statewide Listing by County - Compiled by theEmpir StateNon-Profit COUNTY AGENCY ADDRESS NOTES HOPP Affordable 518-434- Housing 255 Orange St.,Albany, NY 12210 Also serves .. Partnership surroundingareas HOPP Albany County 518-765- Rural Housing 24 Martin Road, Voorheesville, NY 12186 Also serves 2425 Alliance surrounding areas HOPP Albany . For tenants whose United Tenants 518-436- buildingsare in the 255 Orange St., Albany, NY 12210 of Albany 8997 process of foreclosure or have been foreclosed on HOPP Better 518-372- Neighborhoods, 120 Emmons St.,Schenectady, NY 12304 Spanish speaking 6460 Inc. staffavailable 585-268- ACCORD 84 Schuyler St., Belmont, NY 14813 HOPP 7605 Neighborhood Also serving 716-823- Housing 1937 South Park Ave. Buffalo, NY 14220 surrounding Services of 3630 counties Buffalo The Bronx HOPP Neighborhood 718-881- Housing 1451 East Gun HillRd., Bronx, NY 10469 Spanish speaking Services CDC, staffavailable Inc. HOPP MHANY Spanish, Italian, 1 Metro Tech Center North 11th Floor, 718-246- Management, Greek, and Haitian Brooklyn, NY 11201 8080 ext 203 Inc. Creole speaking staff https://www,dfs.ny.gov/consumer/mortg_nys_np_counseling_agencies.htrn[5/15/2019 1:14:14 PM] FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 06/25/2021 New York Housing Counseling Agencies Providing Services to Homeowners in Default and Foreclosure - Statewide Listing by County - Compiled by the Empir StateNon-Profit available HOPP Spanish, Russian, Cantonese, Housing and Mandarin, Patois, Services 718-435- Family 415 Albemarle Rd., Brooklyn, NY 11218 HaitianCreole,and of Greater New 7585 Bronx French Creole York, Inc. speaking staff Translation available. 1 Service available 718-418- HOPP Grow Brooklyn, 1474 Myrtle Ave., Brooklyn, NY 11237 8232 ext. Spanish speaking Inc. 2060 staffavailable 307 West 36th Street, 12th Floor, New York, NY Neighborhood 10018 929-268- Spanish speaking Housing Foreclosure Department: 3790 staffavailable Services NYC 2475 Westchester Avenue, Bronx, NY 10461 718-579-6728 NYC 1932 Arthur Avenue, Room 203A, Bronx, NY Spanish speaking Commission on OR 10457 staffavailable Human Rights 718-579-6900 Metro Interfaith 607-772- Housing 21 New St., Binghamton, NY 13903 HOPP Management 6766 Corp. Chautauqua 716-661- Opportunities, 402 Chandler St.,Jamestown, NY 14701 HOPP 9430 Inc. 585-268- ACCORD 84 Schuyler St., Belmont, NY 14813 HOPP 7605 Neighborhood Housing 716-823- 1937 South Park Ave., Buffalo, NY 14220 Services of 3630 agencies,htm[5/15/2019 1:14:14 PM] https://www.dfs.ny.gov/consumer/mortg_nys_np_counseling FILED: WESTCHESTER COUNTY CLERK 06/25/2021 09:20 AM INDEX NO. 58675/2021 NYSCEF DOC. New York NO. 5 StateNon-Profit RECEIVED NYSCEF: Housing Counseling Agencies Providing Services to Homeowners in Default and Foreclosure - Statewide 06/25/2021 Listing by County - Compiled by theEmpir South Buffalo