Preview
FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020
EXHIBIT D
FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020
*2343212748*
Ocwen PRESORT
P.O. BOX 9066 First-Class Mail
TEMECULA, CA 92589-9066 U.S. Postage and
Fees Paid
WSO
2343212748
20190418-209
sqppsqpqqssprssssprpspsqqqrsssppppsqqqspqsqrqqspqrspqqprqspqrssqs
Dawn M Wheeler
531 COUNTY ROAD 23
DUNDEE, NY 14837-9309
DEMAND05BKDC_FC
FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020
PATTERN FOR SECURITY PURPOSES ONLY.
PAGE LEFT INTENTIONALY BLANK.
FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020
04/18/2019 VIAFirst
Sent Via FirstClass
Class Mail
2343
VIA Certified Mail (return receipt 2127 48
requested)
Loan Number
Certified
Dawn M Wheeler Loan Number: 34689216
531 COUNTY ROAD 23
DUNDEE, NY 14837-9309
Dawn M Wheeler
~531 County Road 23
Dundee, NY 14837-9309
Property Address: 531 County Road 23
Dundee, NY 14837-9309
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.
NMLS # DEMAND05BKDCM
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.
Page 1 of 4
FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020
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 04/18/2019, the following amounts are
past due:
Principal and Interest $872.90
Interest Arrearage $0.00
Escrow $119.08
Late Charges $192.06
Insufficient Funds Charges $0.00
Fees / Expenses $906.95
Suspense Balance (CREDIT) $0.00
Interest Reserve Balance (CREDIT) $0.00
TOTAL DUE $2,090.99
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 05/25/2019, 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.
PRIOR TO SUBMITTING A PAYMENT, PLEASE CALL US TO VERIFY THE EXACT AMOUNT PAST DUE ON THE ACCOUNT.
The promises pursuant to the terms of the Note and Security 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 to 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 written authorization has been
obtained, as required by law.
NMLS # DEMAND05BKDCM
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.
Page 2 of 4
FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020
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 Service 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. §§ 3901-4043) (“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 OCWEN immediately. Servicemembers and
dependents with questions about SCRA should contact their unit’s Judge Advocate, or their installation’s Legal
Assistance Officer. 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 go to
www.militaryonesource.mil/legal or call 800.342.9647 (toll-free from the 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).
You can also contact us toll-free at 800.746.2936.
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.ocwencustomers.com where the account can be reviewed and financial information
entered.
For any questions or concerns, we can be reached toll-free at 800.746.2936. We are available Monday through
Friday 8 am to 9 pm and Saturday 8 am to 5 pm ET.
Obaid Talukdar has been assigned as your relationship manager and will be your designated representative for
resolution inquiries and submission of documents.
Sincerely, ADDRESS WRITTEN CORRESPONDENCE TO :
Loan Servicing Ocwen Loan Servicing, LLC
Toll Free Phone: 800.746.2936 Attention: Research Department
P.O. Box 24736
West Palm Beach, FL 33416-4736
NMLS # 1852 DEMAND05BKDCM
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.
Page 3 of 4
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FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020
PAYMENT REMITTANCE INFORMATION
(Always include the account number with any payment )
Payment Methods
Western Union MoneyGram
Code City: OCWEN Receiver Code: 2355
State: Florida Payable to: Ocwen Loan Servicing, LLC
Reference: Account Number City, State: Orlando, Florida
Agent Locator: 800.225.5227 Reference: Account Number
Agent Locator: 800.926.9400
Mail a Money Order/Certified/Regular Check Bank Wire
For Regular Mail: Bank: Wells Fargo Bank, NA
Ocwen Loan Servicing, LLC Ocwen Bank ABA Routing Number:
P.O. Box 660264 Ocwen Bank Account Number:
Dallas, TX 75266-0264 Account Name: Ocwen Loan Servicing, LLC
For Overnight/Certified Mail: Reference: Account Number 34689216 Property
Ocwen Loan Servicing, LLC Address and Customer Name
Box # 660264 Email Wire Details to:
1010 W. Mockingbird Lane, Suite 100 Transferfunds@ocwen.com
Dallas, TX 75247
NMLS # DEMAND05BKDCM
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.
Page 4 of 4
FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020
PHH Mortgage Services
PO Box 9117
Temecula,CA 92589-9117
235439 7732
Send Payments to:
PHH Mortgage Services
1 Mortgage Way
Mail Stop SV19 20200616-206
NJ 08054
Mt Laurel,
liilliilh"li|lii iiilil"""I | i|iii !si!ii i is
Send Correspondence to: DAWN M WHEELER
PHH Mortgage Services 531 COUNTY ROAD 23
P.t Lau N 08054 DUNDEE, NY 14837-9309
FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020
MORTGAGE
PHH. Mortgage Services. Tel . 877-744-2506.
1.Mortgage Way Fax. 856-917-8300
Mt. Laurel, NJ 08054
06/16/2020 Account Numbe
DAWN M WHEELER Sent Via First-ClassMail®
531 COUNTY ROAD 23
DUNDEE, NY 14837-9309 Property Address:
531 COUNTY RD 23
DUNDEE, NY 14837
YOU MAY BE AT RISK OF FORECLOSURE.
PLEASE READ THE FOLLOWING NOTICE CAREFULLY
As of 06/16/2020, your home loan is 470 days and $7,929.57 dollars in default.
Under New York State Law, we are required to send you this notice to inform you that
you are at risk of losing your home.
Attached to this notice is a list of government approved housing counseling agencies in
your area which provide free counseling.
You can also call the NYS Office of the Attorney General's Homeowner Protection
Program (HOPP) toll-free consumer hotline to be connected to free housing counseling
services in your area at 1-855-HOME-456 (1-855-466-3456), or visit their website at
http://www.aghomehelp.com/. A statewide listing by county is also available at
http://www.dfs.ny.gov/consumer/mortg_nys_np_counseling_agencies.htm.
Qualified free help is available; watch out for companies or people who charge a fee for
these services.
Housing counselors from New York-based agencies listed on the website above are
trained to help homeowners who are having problems making their mortgage payments
and can help you fmd the best option for your situation. If you wish, you may also
contact us directly at 877.744.2506 and ask to discuss possible options.
While we cannot assure that a mutually agreeable resolution is possible, we encourage
you to take immediate steps to try to achieve a resolution. The longer you wait, the
www.MortgageQuestions.com XC255
This communication is from a debt collector attempting to collecta debt; any information obtained willbe used for
that purpose. However, ifthe debt is inactivebankruptcy or has been discharged through bankruptcy, this
communication is providedpurely for informational purposes only with regard to our secured lien on the above
referenced property. Itis notintended as an attempt to collecta debt from you personally. As may be required by
state Iow, you are hereby notifiedthat a negative creditreport On on
rEf$üctiiig oCCOuntholder's creditrecord may be
submitted to a creditreporting agency ifcredit obligation terms are not fulfilled.
Page 1 of12 2354347732
FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020
PHM
MORTGAGE
PHH. Mortgage Services Tel . 877-744-2506.
1.Mortgage Way Fax. 856-917-8300
Mt. Laurel, NJ 08054
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 ifyou
cease to live in the dwelling as your primary residence.)
If you need further information, please call the New York State Department of
Services'
Financial 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 XC255
This communication is from a debt collector attempting to collecta debt; any information obtained willbe used for
that purpose. However, ifthe debt is inactivebankruptcy or has been discharged through bankruptcy, this
communication is providedpurely for informational purposes only with regard to our secured lien on the above
referenced property. Itis notintended as an attempt to collecta debt from you personally. As may be required by
state law, you are hereby notifiedthat a negative creditreport reflectingon on occountholder's creditrecord may be
submitted to a creditreporting agency ifcredit obligation terms are not fulfilled.
Page 2 of12 2354347732
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NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020
COUNTY AGENCY ADDRESS CONTACTINFO NOTES
Affordable Partnership 255OrangeSt.,Albany
Housing 518-434-1730. HOPP
NY 1221a Alsoservessurrounding
areas
AlbanyCountyRuralHousing
24MartinRoad.Vootheesville. i 518-765-2425
HOPP
Alliance NY12186. Alsoservessurrounding
areas
UnitedTenants
ofAlbany 255OrangeSt, Albany, i 518436-8997 HOPP
Albany NY.1221ü Fortenantswhosebuildings
areintheprocess
of
orhavebeen
foreclosure
foreclosed
on
BetterNeighborhoods,
Inc. 120EmmonsSt Schenectady518-3724469 HOPP
NY.12304 Spanish staff
speaking
available
ACCORD 64Schuyler
St, Belmont, 585-268-7605 HOPP
NY 14813
Allegany Neighborhood
Housing 1937SouthParkAve...Buffalo.
! 716423-3630 Alsoservingsurrounding
Services
ofBuffalo NY 14220 counties
TheBronxNeighborhood 1451EastGunHillRd,,Bronx.
718481-1180. HOPP
Services
Housing CDC,Inc . NY10469 Spanish staff
speaking
available
MHANY Inc..
Management, 1.MetroTechCenterNorth11th
718-246-8080
ext203. HOPP
NY.11201
Floor,Brooklyn, Italian,Greek,and
Spanish,
HaitianCreolespeaking
staff
available
andFamilyServices
Housing of 415Albemarle
Rd,.Brooklyn,.NY 718+435-7585. HOPP
GreaterNewYork,Inc 1t218 Spanish, Cantonese,
Russian,
Patois,Haitian
Mandarin,
Creole.andFrenchCreole
staffavailable
speaking
Bronx Translaijon
Serviceavailable
GrowBrooklyn,
Inc. 1474MyrtleAve,Brooklyn,
NY I 718418-8232
ext 2060.HOPP
1t237 Spanish staff
speaking
available
Neighborhood
Housing 307West36thStreet.12th.
I 929-268-3790 Spanish
speaking.staff
Services
NYC Floor,NewYork,NY1001& available.
Foreclosure
Department
2475Westchester
Avenue,
Bronx.NY.10461.
! NYC.Commission
onHuman 1932ArthurAvenue,Room I 718+5794728 Spanish staff
speaking
Rights 203AsBronx,NY10457 i OR available
i 718-5796900
MetreInterfaith
Housing 21NewSt.,Binghamton,
NY | 607-7724766. HOPP
Broome Management
Corp 13903
Chautauqua Inc.
Opportunities,402Chandler
SL Jamestown,i 716-661-9430 HOPP
NY14701
i ACCORD. 84Schuyler
St, Belmont, I 585-268-7605 HOPP
Cattaraugus NY 14813
Neighborhood
Housing 1937SouthParkAve, Buffalo,
I 714823-3630.
Services
ofSouthBuffalo NY14220
HomeHeadquarters,Inc. 538ErieBlvdWest,Syracuse
| 315474-1939. HOPP
Cayuga NY.13204. Spanishspeaking
staff
available
http://www.dfs.ny.gov/consumer/mortg_nys_np_counseling agencies.htm. VCP15
XC255
Page3 of 12 2359 34 7732
FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020
Adivisionof Money
Clearpoint, 5794Widewaters I 713,394,3232
Management
laternationalParkway,.. NY13214
Syracuse,
Chautauqua Inc.
Opportunities,402Chandler
St,Jamestown,I 716-661-9430 HOPP
NY14701
Chautauqua.Home 2 Academy NY
St, Mayville, | 716-7534650 Spanish staff
speaking
Chautauqua Rehabilitation
andImprovement 14757 available.
Corp.(CHRIC)
Neighborhood
Housing 1937SouthParkAve,Buffalo,
| 716-823-3630
ServicesofSouthBuffaloNY14220
ArborHousing
and 26BridgeSt. Corning, | 607-654-7487 HOPP
Development NY 1483D
Chemung
Charities
Catholic of Chemung 215EastChurchSt. Sultei 607-734-9784. HOPP
101 Elmira,NY14901.
| MetrainterfaithHousing
21NewSt, Binghamton,
NY | 607-772-2766 HOPP
Chenango. Management
Corp 13903
Friendsofthe.NorthCountry
1MillSt Keeseville,
NY12944 518-834-9606 HOPP
Clinton Assistance
Program
of 103HandAve,Elizabethtown,
518-873-6888 HOPP
Housing
EssexCounty(HAPEC) NY12932
GalvanHousing
Resources. 252Columbia NY
St, Hudson, i 518-822-0707 HOPP
Columbia 12534
HomeHeadquarters
inc.. $38ErieBlvdWest,Syracuse
| 315-474-1939 HOPP
NY13204 Spanish staff
speaking
available
Cortland
Cortland Assistance
Housing 36TaylorSt,CortlandNY13045
607-753-8271
Council,Inc..
Western
Catskills
Community 125Main8t, SuiteAStamford,
607-652-2823 HOPP
Revitilization
Council NY12167
RUPCO 301FairSt KingstonNY12401
845-331-9860 HOPP
Delaware Spanishspeaking
staff
available
Delaware Inc
Opportunities, 35430StateHgwy10Hamden 607-746-1650.
NY.13782
HudsonRiverHousing. 291MillSt Poughkeepsie,
NY 845-454-9288 HOPP
12601
Dutchess PutnamCountyHousing
Corp, 11Seminary
HillRd.,Carmer,845-225-8493 HOPP
NY10512 Southem
Servmg sectionof
county
Belmont Resources
Housing 1195MainSt Buffalo..
NY.14209.i 716-884-7791 HOPP
WestSideNHS,Inc. St, Buffalo,.
359Connectlcut NY and
| Tuesdays HOPP
14213 I Wednesdays
at(716).885-2344,
Preview
FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020 EXHIBIT D FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020 *2343212748* Ocwen PRESORT P.O. BOX 9066 First-Class Mail TEMECULA, CA 92589-9066 U.S. Postage and Fees Paid WSO 2343212748 20190418-209 sqppsqpqqssprssssprpspsqqqrsssppppsqqqspqsqrqqspqrspqqprqspqrssqs Dawn M Wheeler 531 COUNTY ROAD 23 DUNDEE, NY 14837-9309 DEMAND05BKDC_FC FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020 PATTERN FOR SECURITY PURPOSES ONLY. PAGE LEFT INTENTIONALY BLANK. FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020 04/18/2019 VIAFirst Sent Via FirstClass Class Mail 2343 VIA Certified Mail (return receipt 2127 48 requested) Loan Number Certified Dawn M Wheeler Loan Number: 34689216 531 COUNTY ROAD 23 DUNDEE, NY 14837-9309 Dawn M Wheeler ~531 County Road 23 Dundee, NY 14837-9309 Property Address: 531 County Road 23 Dundee, NY 14837-9309 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. NMLS # DEMAND05BKDCM 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. Page 1 of 4 FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020 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 04/18/2019, the following amounts are past due: Principal and Interest $872.90 Interest Arrearage $0.00 Escrow $119.08 Late Charges $192.06 Insufficient Funds Charges $0.00 Fees / Expenses $906.95 Suspense Balance (CREDIT) $0.00 Interest Reserve Balance (CREDIT) $0.00 TOTAL DUE $2,090.99 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 05/25/2019, 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. PRIOR TO SUBMITTING A PAYMENT, PLEASE CALL US TO VERIFY THE EXACT AMOUNT PAST DUE ON THE ACCOUNT. The promises pursuant to the terms of the Note and Security 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 to 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 written authorization has been obtained, as required by law. NMLS # DEMAND05BKDCM 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. Page 2 of 4 FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020 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 Service 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. §§ 3901-4043) (“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 OCWEN immediately. Servicemembers and dependents with questions about SCRA should contact their unit’s Judge Advocate, or their installation’s Legal Assistance Officer. 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 go to www.militaryonesource.mil/legal or call 800.342.9647 (toll-free from the 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). You can also contact us toll-free at 800.746.2936. 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.ocwencustomers.com where the account can be reviewed and financial information entered. For any questions or concerns, we can be reached toll-free at 800.746.2936. We are available Monday through Friday 8 am to 9 pm and Saturday 8 am to 5 pm ET. Obaid Talukdar has been assigned as your relationship manager and will be your designated representative for resolution inquiries and submission of documents. Sincerely, ADDRESS WRITTEN CORRESPONDENCE TO : Loan Servicing Ocwen Loan Servicing, LLC Toll Free Phone: 800.746.2936 Attention: Research Department P.O. Box 24736 West Palm Beach, FL 33416-4736 NMLS # 1852 DEMAND05BKDCM 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. Page 3 of 4 D15591519 545804C2C 718441818 59458CD1D D820D0949 D64DC79F9 52495802C 5E8D3C189 FDCDCDCDC FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020 PAYMENT REMITTANCE INFORMATION (Always include the account number with any payment ) Payment Methods Western Union MoneyGram Code City: OCWEN Receiver Code: 2355 State: Florida Payable to: Ocwen Loan Servicing, LLC Reference: Account Number City, State: Orlando, Florida Agent Locator: 800.225.5227 Reference: Account Number Agent Locator: 800.926.9400 Mail a Money Order/Certified/Regular Check Bank Wire For Regular Mail: Bank: Wells Fargo Bank, NA Ocwen Loan Servicing, LLC Ocwen Bank ABA Routing Number: P.O. Box 660264 Ocwen Bank Account Number: Dallas, TX 75266-0264 Account Name: Ocwen Loan Servicing, LLC For Overnight/Certified Mail: Reference: Account Number 34689216 Property Ocwen Loan Servicing, LLC Address and Customer Name Box # 660264 Email Wire Details to: 1010 W. Mockingbird Lane, Suite 100 Transferfunds@ocwen.com Dallas, TX 75247 NMLS # DEMAND05BKDCM 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. Page 4 of 4 FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020 PHH Mortgage Services PO Box 9117 Temecula,CA 92589-9117 235439 7732 Send Payments to: PHH Mortgage Services 1 Mortgage Way Mail Stop SV19 20200616-206 NJ 08054 Mt Laurel, liilliilh"li|lii iiilil"""I | i|iii !si!ii i is Send Correspondence to: DAWN M WHEELER PHH Mortgage Services 531 COUNTY ROAD 23 P.t Lau N 08054 DUNDEE, NY 14837-9309 FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020 MORTGAGE PHH. Mortgage Services. Tel . 877-744-2506. 1.Mortgage Way Fax. 856-917-8300 Mt. Laurel, NJ 08054 06/16/2020 Account Numbe DAWN M WHEELER Sent Via First-ClassMail® 531 COUNTY ROAD 23 DUNDEE, NY 14837-9309 Property Address: 531 COUNTY RD 23 DUNDEE, NY 14837 YOU MAY BE AT RISK OF FORECLOSURE. PLEASE READ THE FOLLOWING NOTICE CAREFULLY As of 06/16/2020, your home loan is 470 days and $7,929.57 dollars in default. Under New York State Law, we are required to send you this notice to inform you that you are at risk of losing your home. Attached to this notice is a list of government approved housing counseling agencies in your area which provide free counseling. You can also call the NYS Office of the Attorney General's Homeowner Protection Program (HOPP) toll-free consumer hotline to be connected to free housing counseling services in your area at 1-855-HOME-456 (1-855-466-3456), or visit their website at http://www.aghomehelp.com/. A statewide listing by county is also available at http://www.dfs.ny.gov/consumer/mortg_nys_np_counseling_agencies.htm. Qualified free help is available; watch out for companies or people who charge a fee for these services. Housing counselors from New York-based agencies listed on the website above are trained to help homeowners who are having problems making their mortgage payments and can help you fmd the best option for your situation. If you wish, you may also contact us directly at 877.744.2506 and ask to discuss possible options. While we cannot assure that a mutually agreeable resolution is possible, we encourage you to take immediate steps to try to achieve a resolution. The longer you wait, the www.MortgageQuestions.com XC255 This communication is from a debt collector attempting to collecta debt; any information obtained willbe used for that purpose. However, ifthe debt is inactivebankruptcy or has been discharged through bankruptcy, this communication is providedpurely for informational purposes only with regard to our secured lien on the above referenced property. Itis notintended as an attempt to collecta debt from you personally. As may be required by state Iow, you are hereby notifiedthat a negative creditreport On on rEf$üctiiig oCCOuntholder's creditrecord may be submitted to a creditreporting agency ifcredit obligation terms are not fulfilled. Page 1 of12 2354347732 FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020 PHM MORTGAGE PHH. Mortgage Services Tel . 877-744-2506. 1.Mortgage Way Fax. 856-917-8300 Mt. Laurel, NJ 08054 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 ifyou cease to live in the dwelling as your primary residence.) If you need further information, please call the New York State Department of Services' Financial 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 XC255 This communication is from a debt collector attempting to collecta debt; any information obtained willbe used for that purpose. However, ifthe debt is inactivebankruptcy or has been discharged through bankruptcy, this communication is providedpurely for informational purposes only with regard to our secured lien on the above referenced property. Itis notintended as an attempt to collecta debt from you personally. As may be required by state law, you are hereby notifiedthat a negative creditreport reflectingon on occountholder's creditrecord may be submitted to a creditreporting agency ifcredit obligation terms are not fulfilled. Page 2 of12 2354347732 FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020 COUNTY AGENCY ADDRESS CONTACTINFO NOTES Affordable Partnership 255OrangeSt.,Albany Housing 518-434-1730. HOPP NY 1221a Alsoservessurrounding areas AlbanyCountyRuralHousing 24MartinRoad.Vootheesville. i 518-765-2425 HOPP Alliance NY12186. Alsoservessurrounding areas UnitedTenants ofAlbany 255OrangeSt, Albany, i 518436-8997 HOPP Albany NY.1221ü Fortenantswhosebuildings areintheprocess of orhavebeen foreclosure foreclosed on BetterNeighborhoods, Inc. 120EmmonsSt Schenectady518-3724469 HOPP NY.12304 Spanish staff speaking available ACCORD 64Schuyler St, Belmont, 585-268-7605 HOPP NY 14813 Allegany Neighborhood Housing 1937SouthParkAve...Buffalo. ! 716423-3630 Alsoservingsurrounding Services ofBuffalo NY 14220 counties TheBronxNeighborhood 1451EastGunHillRd,,Bronx. 718481-1180. HOPP Services Housing CDC,Inc . NY10469 Spanish staff speaking available MHANY Inc.. Management, 1.MetroTechCenterNorth11th 718-246-8080 ext203. HOPP NY.11201 Floor,Brooklyn, Italian,Greek,and Spanish, HaitianCreolespeaking staff available andFamilyServices Housing of 415Albemarle Rd,.Brooklyn,.NY 718+435-7585. HOPP GreaterNewYork,Inc 1t218 Spanish, Cantonese, Russian, Patois,Haitian Mandarin, Creole.andFrenchCreole staffavailable speaking Bronx Translaijon Serviceavailable GrowBrooklyn, Inc. 1474MyrtleAve,Brooklyn, NY I 718418-8232 ext 2060.HOPP 1t237 Spanish staff speaking available Neighborhood Housing 307West36thStreet.12th. I 929-268-3790 Spanish speaking.staff Services NYC Floor,NewYork,NY1001& available. Foreclosure Department 2475Westchester Avenue, Bronx.NY.10461. ! NYC.Commission onHuman 1932ArthurAvenue,Room I 718+5794728 Spanish staff speaking Rights 203AsBronx,NY10457 i OR available i 718-5796900 MetreInterfaith Housing 21NewSt.,Binghamton, NY | 607-7724766. HOPP Broome Management Corp 13903 Chautauqua Inc. Opportunities,402Chandler SL Jamestown,i 716-661-9430 HOPP NY14701 i ACCORD. 84Schuyler St, Belmont, I 585-268-7605 HOPP Cattaraugus NY 14813 Neighborhood Housing 1937SouthParkAve, Buffalo, I 714823-3630. Services ofSouthBuffalo NY14220 HomeHeadquarters,Inc. 538ErieBlvdWest,Syracuse | 315474-1939. HOPP Cayuga NY.13204. Spanishspeaking staff available http://www.dfs.ny.gov/consumer/mortg_nys_np_counseling agencies.htm. VCP15 XC255 Page3 of 12 2359 34 7732 FILED: SCHUYLER COUNTY CLERK 10/09/2020 03:58 PM INDEX NO. e2020-0134 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 10/09/2020 Adivisionof Money Clearpoint, 5794Widewaters I 713,394,3232 Management laternationalParkway,.. NY13214 Syracuse, Chautauqua Inc. Opportunities,402Chandler St,Jamestown,I 716-661-9430 HOPP NY14701 Chautauqua.Home 2 Academy NY St, Mayville, | 716-7534650 Spanish staff speaking Chautauqua Rehabilitation andImprovement 14757 available. Corp.(CHRIC) Neighborhood Housing 1937SouthParkAve,Buffalo, | 716-823-3630 ServicesofSouthBuffaloNY14220 ArborHousing and 26BridgeSt. Corning, | 607-654-7487 HOPP Development NY 1483D Chemung Charities Catholic of Chemung 215EastChurchSt. Sultei 607-734-9784. HOPP 101 Elmira,NY14901. | MetrainterfaithHousing 21NewSt, Binghamton, NY | 607-772-2766 HOPP Chenango. Management Corp 13903 Friendsofthe.NorthCountry 1MillSt Keeseville, NY12944 518-834-9606 HOPP Clinton Assistance Program of 103HandAve,Elizabethtown, 518-873-6888 HOPP Housing EssexCounty(HAPEC) NY12932 GalvanHousing Resources. 252Columbia NY St, Hudson, i 518-822-0707 HOPP Columbia 12534 HomeHeadquarters inc.. $38ErieBlvdWest,Syracuse | 315-474-1939 HOPP NY13204 Spanish staff speaking available Cortland Cortland Assistance Housing 36TaylorSt,CortlandNY13045 607-753-8271 Council,Inc.. Western Catskills Community 125Main8t, SuiteAStamford, 607-652-2823 HOPP Revitilization Council NY12167 RUPCO 301FairSt KingstonNY12401 845-331-9860 HOPP Delaware Spanishspeaking staff available Delaware Inc Opportunities, 35430StateHgwy10Hamden 607-746-1650. NY.13782 HudsonRiverHousing. 291MillSt Poughkeepsie, NY 845-454-9288 HOPP 12601 Dutchess PutnamCountyHousing Corp, 11Seminary HillRd.,Carmer,845-225-8493 HOPP NY10512 Southem Servmg sectionof county Belmont Resources Housing 1195MainSt Buffalo.. NY.14209.i 716-884-7791 HOPP WestSideNHS,Inc. St, Buffalo,. 359Connectlcut NY and | Tuesdays HOPP 14213 I Wednesdays at(716).885-2344,