Preview
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 11/09/2021
EXHIBIT E
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 11/09/2021
B1""Af"•°"* => CHASEO
.0
Columbus, OH 43218
For Undeliverable Mail Only
10/10/2019
00M74- 1 ci 2 NSP0HDLA-25
J2320678D00st0®o000
CELIA A WALKER
76 S 1ST ST APT 11
BROOKLYN, NY 11249-4139
Please read this important Information about the status of your loan
Account:
Property Address: 151 BCH S1ST ST
ARVERNE, NY 11692 (the "property")
Dear CELIA A WALKER:
We want you to be aware of the next steps that may occur ifyour loan is not brought up to date by
11/14/2019. We understand this may be a difficulttime and want you to know that we're here to help if
you're having trouble making your payment. Please read this lettercarefully and callus at
1-800-848-9380 ifyou have questions.
Acceleration Warning (Notice of Intent to Foreclose)
Under the terms of your loan agreement, mortgage or deed of trust (Security Instrument) securing
your loan, we (JPMorgan Chase Bank, N.A. or Chase) are notifying you of the following:
1. Your loan is In default because we haven't received the required rñcathly payments starting
with the payment due 08/01/2019.
2. As of 10/10/2019, the total amount past due Is $5,796.42.
This ine!udes total past due monthly payments of piincipal, interest and escrow (ifapplicable),
late fees, insumcient funds (NSF) fees, and other fees and advances due under the terms of
your loan documents. The pest-due amount is detailed below. Ifapplicable, you may be
responsible for additional escrow amounts that we may pay from the date of this letter.Ifyou
have questions about the amounts detailed below, please callus as soon as possible.
Total Monthly Payments: $5,822.22
Late Feas: $207.06
NSF Fees: $0.00
Other Fees:1 $0.00
Advances:1 $45.00
Amount Held in Suspense: $277.86
This is an attempt to 80B96t4 datif end any itiforma$166 eBlaitted wlilBe ased for IMat purpose
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 11/09/2021
Other Fees and Advances include those amounts assessed in accordance with your
loan documents, and/or permitted by applicable law, or that were authorized for
services rendered.
You are also responsible for paying any amounts that become due from the date of this letter.
This may include; taxes, insurance, inspection fees, and other fees and charges, as permitted
by applicable law.
Ifyou disagree with the past-due amount listedabove, or ifyou believe your loan is current,
please call us.
3. Action reaulted to cum the default: You must pay the total monthly payments minus
suspense $5,544.36 by 11/14/2019 in order to cure this default. All late fees, NSF fees, and
other fees and advances are still
valid and will need to be paid under the terms of your loan
documents.
4. Ifyou failto cure the default on or before 11/14/2019, Chase may accelerate the maturity of the
loan, terminate your credit line if theLoan provides for revolving advances, require immediate
payment in full
and acquire, or another person may acquire, the property by means of
Foreclosure and Sale. Ifthis happens, Chase may be entitled to collect Its expenses incurred
In pursuing the remedies provided in the Security Instrument, which may include, but not be
limited to, allowable foreclosure/attomey fees, and other expenses permitted by your loan
documents or applicable law.
Additionally, ifyou meet the following conditions, you will have the rightto have Chase's
enfomement of the Security Instrument stopped and to have the Note and the Security
Instrument remain fullyeffective as IfImmediate payment in fullhad never been required:
a. You pay to Chase the fullamount that is due under the Security Instrument and the
Note as immediate
if payment in fullhad never been required;
b. You correct your failureto keep any ofyour other pmmises or agreements made in the
Security Instrument;
c. You pay allof Chase's reasonable expenses in enforcing the Security Instrument
attomeys'
including, for example, reasonable fees, property inspection and valuation
fees, and other fees incurred for the purpose of protecting Chase's interest in the
property and rights under the Security Instrument; and
d. You do whatever Chase reasonably requires to assure that Chase's Interest In the
property and rights under the Security Instrument and your ob!!getions under the Note
and under the Security Instrument continue unchanged.
5. You have the right to reinstate after ecce!eration of the loan and the right inany lawsuit for
Foreclosure and Sale to argue that you did keep your promises and agreements under the
Note and Security Instrument and to present any other defenses that you may have to the
foreclosure. However, the amount required to reinstate may be higher than what Isowed under
Paragraph 2 above due to additional fees and charges that we may be entitled to collect under
the loan documents and applicable law, including attorney fees related to any foreclosure
action we initiate.
6. Important information for Rural Housing Service-Guaranteed Loans
The Rural Housing Service may reimburse us (pay us a loss clalm) ifthe default Isnot cured
by the date referenced above and the account is referred to foreclosure. You may be
responsible for repaying this claim to the Rural Housing Service. ifyour personal liabilityfor
thisaccount has not been discharged in a bankruptcy, the Rural Housing Service may use all
options, including those under the Debt Collection Improvement Act (DCIA) to recover the full
amounts due. The DCIA provides for the collection of outstanding isdsra| debts through the
Treasury Offset Program which allows federal payments such as Social Security benefits to be
"offset"
reduced or in order to repay the outstanding debt.
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 11/09/2021
7. Here's Information on how to make your payment of $5,544.36
• Visit chase.com/WaysToPay for information on online payments.
making
• Call us to make your payment over the phone, free of charge.
• Make your payment at a Chase branch.
• Mail your payment to one of the addresses below.
Regular Mail: CHASE
PO BOX 78420
PHOENIX, AZ 85062-8420
Ovemight Mail: CHASE
PO BOX 78420 1820 EAST SKY HARBOR CIRCLE SOUTH
PHOENIX, AZ 85034-9700
If we've received six insufficIent funds (NSF) payments in the last six months, certifiedfunds
are required and payments must be received by maii or in a Chase branch.
Except as required by law, we are not required to accept less than the fullamount owed. Ifwe
receive less than the fullamount owed, we may apply itto your loan without waiving any
default or waiving our right to accelerate the loan and begin foreclosure proceedings.
8. Assistance options may be available to help you. We have a variety of homeowner
assistance options that might help you keep your home; however, we need to talk with you to
discuss these options and determine which of them might be appropriate for your
circumstances. Please call us as soon as possible at 1-800-848-9380.
9. We may complete property Inspections while the loan remains In default.
Property inspections may be done to determine the property condition, occupancy status and
possibly your plans for curing the default and paying thIs loan on time. Any costs Incurred by
us may be added to the amount you new owe Ifpermitted by your loan documents or
applicable law.
Here's where to look for help
You can find additional resources below to help you with your mortgage:
• The Homeowners HOPE Hotline can take your callanytime at 1-888-995-HOPE
(1-888-995-4673).
• The U.S. Department of Housing and Urban Development (HUD) has a listof agencies that
offer free mortgage-essistence counseling. For a listof agencies, callHUD at 1-800-569-4287,
"Resources"
or 1-800-877-8339 for TTY services, or go to hud.gov and, under the tab, select
" Counseling."
Foreclosure AvoIdance
Ifyou have questions, please call us; we accept oparator relay calls. We're here to help Monday
through Friday from 8 a.m. to 10 p.m., and Saturday from 8 a.m. to 5 p.m. Eastem Time.
Sincerely,
Chase
1-800-848-9380
chase.com
Esta comunicacian contione Infbrmación importante acerca de la cuents. Si tiene alguna pregunta o
necesita ayuda para traducirls, comuniquese con nosotros liamando al 1-800-848-9380, de lunes a
viemes de 8 a.m. a 10 p.m. y sabados de 8 a.m. a 5 p.m., hora del Este.
Important I.egal Information
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 11/09/2021
We are a debt collector
This is an attempt to collect a debt and any information obtained will be used forthat purpose.
However, to the extent your original obligation was discharged or is subject to an automatic stay of
bankruptcy under Title 11 of the United States Code, this notice is for compliance with non-bankruptcy
law and/or informational purposes only and does not constitute an attempt to collect a debt or to
impose personal for
liability such obligation. Nothing in this letter(including our use of the words
"your," "loan," "mortgage,"
or "account") means thatyou're required to repay a debt that's been
discharged. Any payment you make on the account is voluntary, but we may still
have rights under the
security instrument, including the right to foreclose on the property.
Ifyou are reprsssñted by an attorney, please referthis letter to your attorney and provide us with the
attorney's name, address, and telephone number.
Information for Servicemembers and their dependents
Ifyou or any occupant ofyour home are or recently were on active Military duty or related active
service, you may be eligible for benefits and protactions under the federal Servicemembers Civil Relief
Act (SCRA), state law, or Chase policy. This includes protection from foreclosure or eviction, and In
some cases, interest rate benefits. Some protections also may be available ifyou are the dependent
of an eligible Ssivicsmember. Although Servicemsmbêr Interest rate benefits under the
Servicemembers Civil Relief Act don't allow you to defer payments, Califomis law allows for a
six-month deferral ifcertain conditions are met.
For more information, please callChase Military Services at 1-877-469-0110.
cR40936
BR160
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 11/09/2021
°""t"g::d•°"«*=> CHA5EO
Columbus, OH 43218
For Undeliverable MallOnly
10/10/2019
002475- 1 at 2 NSPDHDLA-Z5
J2320578c®t03Xea3
CELIA A WALKER
151 BCH 61ST ST
ARVERNE, NY 11692
Please read this Important Information about the status of your loan
Account:
Property Address: 1 1
ARVERNE, NY 11692 (the "property")
Dear CELIA A WALKER:
We want you to be aware of the next steps that may occur if your loan isnot brought up to date by
11/14/2019. We understand this may be a difficulttime and want you to know that we're here to help If
you're having trouble making your paymsñt. Please read this lettercarefully and call us at
1-800-848-9380 ifyou have questions.
Acceleration Warning (Notice of Intent to Foreclose)
Under the terms of your loan agreement, mortgage or deed of trust (Security Instrument) securing
your loan, we (JPMGigañ Chase Bank, N.A. or Chase) are notifying you ofthe following:
1. Your loan is in default because we haven't received the required mcathly payments starting
with the payment due 08/01/2019.
2. As of 10/10/2019, the total amount past due is $5,796.42.
This includes totalpast due monthly payments of principal, interest and escrow (ifapplicable),
late fees, insufficient funds (NSF) fees, and other fees and advances due under the terms of
your loan documents. The past-due amount is detailed below. If applicable, you may be
responsible for additional escrow amounts that we may pay from the date of this letter.Ifyou
have quantions about the amounts dete!!ed below, please callus as soon as possible.
Total Monthly Payments: $5,822.22
Late Fees: $207.06
NSF Fees: $0.00
Other Fees:1 30.00
Advances:1 $45.00
Amount Held in Suspense: $277.86
TNT4 18 aim sttempt to callecta debtargI firlyinibrime9On oblalMel wlilDe ased for titatpurpose
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 11/09/2021
Other Fees and Advances include those amounts assessed in acconiance with your
loan documents, and/or permitted by applicable law, or that were authorized for
services rendered.
You are also responsible for paying any amounts that become due from the date of this letter.
This may include; taxes, insurance, inspection fees, and other fees and charges, as permitted
by applicable law.
Ifyou disagree with the past-due amount listed above, or ifyou believe your loan is current,
please call us.
3. Action required to cure the default; You must pay the total monthly payments minus
suspense $5,544.36 by 11/14/2019 in order to cure this default. Alllate fees, NSF fees, and
other fees and advances are still
valid and will need to be paid under the terms of your loan
documents.
4. Ifyou failto cure the default on or before 11/14/2010, Chase may accelerate the maturity of the
loan, terminate your credit line if theLoan provides for revolving advances, require immediate
payment In fulland acquire, or another person may acquire, the property by means of
Foreclosure and Sale. Ifthis happens, Chase may be entitled to collect itsexpenses Incurred
in pursuing the remedies provided in the Security Instrument, which may include, but not be
IImited to, allowable foreclosure/attomey fees, and other expenses permitted by your loan
documents or applicable law.
Additionally, ifyou meet the following conditions, you willhave the right to have Chase's
enforcement of the Security Instrument stopped and to have the Note and the Security
Instrument remain fullyeffective as ifimmediate payment in fullhad never been required:
a. You pay to Chase the fullamount that is due under the Security Instrument and the
Note as ifimmediate payment in fullhad never been required;
b. You correct your failureto keep any ofyour other promises or agreements made in the
Security Instrument;
c. You pay allof Chase's reasonable expenses in enforcing the Security Instrument
attomeys'
Including, for example, reasonable fees, property Inspection and valuation
fees, and other fees incurred for the purpose of protecting Chase's Interest in the
property and rights under the Security Instrument; and
d. You do whatever Chase reasonably requires to assure that Chase's interest in the
property and rights under the Security Instrument and your obligations under the Note
and under the Security Instrument continue unchanged.
5. You have the right to reinstate after acceleration of the loan and the right in any lawsuit for
Foreclosure and Sale to argue that you did keep your promises and agreements under the
Note and Security Instrument and to present any other defenses that you may have to the
foreclosure. However, the amount required to reinstate may be higher than what is owed under
Paragraph 2 above due to additional fees and charges that we may be entitled to collect under
the loan documents and applicable law, Including attomey fees related to any foraciosure
action we initiate.
6. Important Information for Rural Housing Service-Guaranteed Loans
The Rural Housing Service may reimburse us (pay us a loss claim) ifthe default isnot cured
by the date referenced above and the account is referred to foreclosure. You may be
responsible for repaying thisclaim to the Rural Housing Service. Ifyour personal for
liability
this account has not been discharged in a bankruptcy, the Rural Housing Service may use all
options, including those under the Debt Collection Improvement Act (DCIA) to recover the full
amounts due. The DCIA provides for the collection of outstanding federal debts through the
Treasury Offset Program which allows federal payments such as Soclal Security benefits to be
"offset"
reduced or In order to repay the outstanding debt.
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 11/09/2021
7. Here's Information on how to make your payment of $5,544.36
• Visit for information on online payments.
chase.com/WaysToPay making
• Call us to make your payment over the phone, free of charge.
• Make your payment at a Chase branch.
• Mail your payment to one of the addresses below.
Regular Mail: CHASE
PO BOX 78420
PHOENIX, AZ 85062-8420
Ovemight Mail: CHASE
PO BOX 78420 1820 EAST SKY HARBOR CIRCLE SOUTH
PHOENIX, AZ 85034-9700
If we've received six Insufficient funds (NSF) payments In the last six months, certified funds
are required and payments must be received by mail or in a Chase branch.
Except as required by law, we are not required to accept less than the fullamount owed. Ifwe
receive less than the full amount owed, we may apply itto your loan without waiving any
default or waiving our right to accelerate the loan and begin foreclosure proceedings.
8. Assistance options may be available to help you. We have a variety ofhomeowner
assistance options that might help you keep your home; however, we need to talkwith you to
discuss these options and determine which of them might be appropriate for your
circumstances. Please call us as soon as possible at 1-800-848-9380.
9. We may complete property Inspections while the loan remains in default.
Property inspections may be done to determine the property condition, occupancy status and
possibly your plans for curing the default and paying this loan on time. Any costs incurred by
us may be added to the amount you now owe ifpermitted by your loan documents or
applicable law.
Here's where to look for help
You can find additional resources below to help you with your mortgage:
• The Homeowners HOPE Hotline can take your callanytime at 1-888-995-HOPE
(1-888-995-4673).
• The U.S. Department of Housing and Urban Daysiopment (HUD) has a listof agencies that
offer free mortgage-assistance counseling. For a listof agencles, callHUD at 1-800-569-4287,
"Resources"
or 1-800-877-8339 for TTY services, or go to hud.gov and, under the tab, select
Counseling."
"Foreclosure Avoidance
Ifyou have questions, please call us; we accept operator relay calls. We're here to help Monday
through Friday from 8 a.m. to 10 p.m., and Saturday from 8 a.m. to 5 p.m. Eastern Time.
Sincerely,
Chase
1-800-848-9380
chase.com
Esta comunicación contione información importante acerca de lacuenta. SI tlene alguna pregunta o
necesita ayuda para traducirls, comuniquese con ñosotics Ilamando al 1-800-848-9380, de lunes a
viemes de 8 a.m. a 10 p.m. y sábados de 8 a.m. a 5 p.m., hora del Este.
Important Legal Information
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 11/09/2021
We are a debt collector
This is an attempt to collect a debt and any information obtained willbe used for that purpose.
However, to the extent your original obligation was discharged or is subject to an automatic stay of
bankruptcy under Title 11 ofthe United States Code, this notice is for compliance with non-bankruptcy
law and/or informational purposes only and does not constitute an attempt to collect a debt or to
impose personal liabilityforsuch obligation. Nothing in this letter(including our use of the words
" "loan," "mortgage,"
"your or "account") means that you're required to repay a debt that's been
discharged. Any payment you make on the account is voluntary, but we may stillhave rights under the
security instrument, Including the right to foreclose on the property.
Ifyou are represented by an attorney, please refer this letterto your attomey and provide us with the
attorney's name, address, and telephone number.
Information for Servicemembers and their dependents
Ifyou or any occupant of your home are or recently were on active Military duty or related active
service, you may be eligible for benefits and protections under the federal Servicemembers Civil Relief
Act (SCRA), state law, or Chase policy. This includes protection from foreclosure or eviction, and in
some cases, interest rate benefits. Some protections also may be available ifyou are the dependent
of an eligible Servicemember. Although Servicemember interest rate benefits under the
Servicemembers CivilRelief Act don't allow you to defer payments, Califomia law allows for a
six-month deferral ifcertain conditions are met.
For more information, please call Chase Military Services at 1-877-469-0110.
CR40938
BR160
Preview
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 11/09/2021 EXHIBIT E FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 11/09/2021 B1""Af"•°"* => CHASEO .0 Columbus, OH 43218 For Undeliverable Mail Only 10/10/2019 00M74- 1 ci 2 NSP0HDLA-25 J2320678D00st0®o000 CELIA A WALKER 76 S 1ST ST APT 11 BROOKLYN, NY 11249-4139 Please read this important Information about the status of your loan Account: Property Address: 151 BCH S1ST ST ARVERNE, NY 11692 (the "property") Dear CELIA A WALKER: We want you to be aware of the next steps that may occur ifyour loan is not brought up to date by 11/14/2019. We understand this may be a difficulttime and want you to know that we're here to help if you're having trouble making your payment. Please read this lettercarefully and callus at 1-800-848-9380 ifyou have questions. Acceleration Warning (Notice of Intent to Foreclose) Under the terms of your loan agreement, mortgage or deed of trust (Security Instrument) securing your loan, we (JPMorgan Chase Bank, N.A. or Chase) are notifying you of the following: 1. Your loan is In default because we haven't received the required rñcathly payments starting with the payment due 08/01/2019. 2. As of 10/10/2019, the total amount past due Is $5,796.42. This ine!udes total past due monthly payments of piincipal, interest and escrow (ifapplicable), late fees, insumcient funds (NSF) fees, and other fees and advances due under the terms of your loan documents. The pest-due amount is detailed below. Ifapplicable, you may be responsible for additional escrow amounts that we may pay from the date of this letter.Ifyou have questions about the amounts detailed below, please callus as soon as possible. Total Monthly Payments: $5,822.22 Late Feas: $207.06 NSF Fees: $0.00 Other Fees:1 $0.00 Advances:1 $45.00 Amount Held in Suspense: $277.86 This is an attempt to 80B96t4 datif end any itiforma$166 eBlaitted wlilBe ased for IMat purpose FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 11/09/2021 Other Fees and Advances include those amounts assessed in accordance with your loan documents, and/or permitted by applicable law, or that were authorized for services rendered. You are also responsible for paying any amounts that become due from the date of this letter. This may include; taxes, insurance, inspection fees, and other fees and charges, as permitted by applicable law. Ifyou disagree with the past-due amount listedabove, or ifyou believe your loan is current, please call us. 3. Action reaulted to cum the default: You must pay the total monthly payments minus suspense $5,544.36 by 11/14/2019 in order to cure this default. All late fees, NSF fees, and other fees and advances are still valid and will need to be paid under the terms of your loan documents. 4. Ifyou failto cure the default on or before 11/14/2019, Chase may accelerate the maturity of the loan, terminate your credit line if theLoan provides for revolving advances, require immediate payment in full and acquire, or another person may acquire, the property by means of Foreclosure and Sale. Ifthis happens, Chase may be entitled to collect Its expenses incurred In pursuing the remedies provided in the Security Instrument, which may include, but not be limited to, allowable foreclosure/attomey fees, and other expenses permitted by your loan documents or applicable law. Additionally, ifyou meet the following conditions, you will have the rightto have Chase's enfomement of the Security Instrument stopped and to have the Note and the Security Instrument remain fullyeffective as IfImmediate payment in fullhad never been required: a. You pay to Chase the fullamount that is due under the Security Instrument and the Note as immediate if payment in fullhad never been required; b. You correct your failureto keep any ofyour other pmmises or agreements made in the Security Instrument; c. You pay allof Chase's reasonable expenses in enforcing the Security Instrument attomeys' including, for example, reasonable fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Chase's interest in the property and rights under the Security Instrument; and d. You do whatever Chase reasonably requires to assure that Chase's Interest In the property and rights under the Security Instrument and your ob!!getions under the Note and under the Security Instrument continue unchanged. 5. You have the right to reinstate after ecce!eration of the loan and the right inany lawsuit for Foreclosure and Sale to argue that you did keep your promises and agreements under the Note and Security Instrument and to present any other defenses that you may have to the foreclosure. However, the amount required to reinstate may be higher than what Isowed under Paragraph 2 above due to additional fees and charges that we may be entitled to collect under the loan documents and applicable law, including attorney fees related to any foreclosure action we initiate. 6. Important information for Rural Housing Service-Guaranteed Loans The Rural Housing Service may reimburse us (pay us a loss clalm) ifthe default Isnot cured by the date referenced above and the account is referred to foreclosure. You may be responsible for repaying this claim to the Rural Housing Service. ifyour personal liabilityfor thisaccount has not been discharged in a bankruptcy, the Rural Housing Service may use all options, including those under the Debt Collection Improvement Act (DCIA) to recover the full amounts due. The DCIA provides for the collection of outstanding isdsra| debts through the Treasury Offset Program which allows federal payments such as Social Security benefits to be "offset" reduced or in order to repay the outstanding debt. FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 11/09/2021 7. Here's Information on how to make your payment of $5,544.36 • Visit chase.com/WaysToPay for information on online payments. making • Call us to make your payment over the phone, free of charge. • Make your payment at a Chase branch. • Mail your payment to one of the addresses below. Regular Mail: CHASE PO BOX 78420 PHOENIX, AZ 85062-8420 Ovemight Mail: CHASE PO BOX 78420 1820 EAST SKY HARBOR CIRCLE SOUTH PHOENIX, AZ 85034-9700 If we've received six insufficIent funds (NSF) payments in the last six months, certifiedfunds are required and payments must be received by maii or in a Chase branch. Except as required by law, we are not required to accept less than the fullamount owed. Ifwe receive less than the fullamount owed, we may apply itto your loan without waiving any default or waiving our right to accelerate the loan and begin foreclosure proceedings. 8. Assistance options may be available to help you. We have a variety of homeowner assistance options that might help you keep your home; however, we need to talk with you to discuss these options and determine which of them might be appropriate for your circumstances. Please call us as soon as possible at 1-800-848-9380. 9. We may complete property Inspections while the loan remains In default. Property inspections may be done to determine the property condition, occupancy status and possibly your plans for curing the default and paying thIs loan on time. Any costs Incurred by us may be added to the amount you new owe Ifpermitted by your loan documents or applicable law. Here's where to look for help You can find additional resources below to help you with your mortgage: • The Homeowners HOPE Hotline can take your callanytime at 1-888-995-HOPE (1-888-995-4673). • The U.S. Department of Housing and Urban Development (HUD) has a listof agencies that offer free mortgage-essistence counseling. For a listof agencies, callHUD at 1-800-569-4287, "Resources" or 1-800-877-8339 for TTY services, or go to hud.gov and, under the tab, select " Counseling." Foreclosure AvoIdance Ifyou have questions, please call us; we accept oparator relay calls. We're here to help Monday through Friday from 8 a.m. to 10 p.m., and Saturday from 8 a.m. to 5 p.m. Eastem Time. Sincerely, Chase 1-800-848-9380 chase.com Esta comunicacian contione Infbrmación importante acerca de la cuents. Si tiene alguna pregunta o necesita ayuda para traducirls, comuniquese con nosotros liamando al 1-800-848-9380, de lunes a viemes de 8 a.m. a 10 p.m. y sabados de 8 a.m. a 5 p.m., hora del Este. Important I.egal Information FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 11/09/2021 We are a debt collector This is an attempt to collect a debt and any information obtained will be used forthat purpose. However, to the extent your original obligation was discharged or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compliance with non-bankruptcy law and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal for liability such obligation. Nothing in this letter(including our use of the words "your," "loan," "mortgage," or "account") means thatyou're required to repay a debt that's been discharged. Any payment you make on the account is voluntary, but we may still have rights under the security instrument, including the right to foreclose on the property. Ifyou are reprsssñted by an attorney, please referthis letter to your attorney and provide us with the attorney's name, address, and telephone number. Information for Servicemembers and their dependents Ifyou or any occupant ofyour home are or recently were on active Military duty or related active service, you may be eligible for benefits and protactions under the federal Servicemembers Civil Relief Act (SCRA), state law, or Chase policy. This includes protection from foreclosure or eviction, and In some cases, interest rate benefits. Some protections also may be available ifyou are the dependent of an eligible Ssivicsmember. Although Servicemsmbêr Interest rate benefits under the Servicemembers Civil Relief Act don't allow you to defer payments, Califomis law allows for a six-month deferral ifcertain conditions are met. For more information, please callChase Military Services at 1-877-469-0110. cR40936 BR160 FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 11/09/2021 °""t"g::d•°"«*=> CHA5EO Columbus, OH 43218 For Undeliverable MallOnly 10/10/2019 002475- 1 at 2 NSPDHDLA-Z5 J2320578c®t03Xea3 CELIA A WALKER 151 BCH 61ST ST ARVERNE, NY 11692 Please read this Important Information about the status of your loan Account: Property Address: 1 1 ARVERNE, NY 11692 (the "property") Dear CELIA A WALKER: We want you to be aware of the next steps that may occur if your loan isnot brought up to date by 11/14/2019. We understand this may be a difficulttime and want you to know that we're here to help If you're having trouble making your paymsñt. Please read this lettercarefully and call us at 1-800-848-9380 ifyou have questions. Acceleration Warning (Notice of Intent to Foreclose) Under the terms of your loan agreement, mortgage or deed of trust (Security Instrument) securing your loan, we (JPMGigañ Chase Bank, N.A. or Chase) are notifying you ofthe following: 1. Your loan is in default because we haven't received the required mcathly payments starting with the payment due 08/01/2019. 2. As of 10/10/2019, the total amount past due is $5,796.42. This includes totalpast due monthly payments of principal, interest and escrow (ifapplicable), late fees, insufficient funds (NSF) fees, and other fees and advances due under the terms of your loan documents. The past-due amount is detailed below. If applicable, you may be responsible for additional escrow amounts that we may pay from the date of this letter.Ifyou have quantions about the amounts dete!!ed below, please callus as soon as possible. Total Monthly Payments: $5,822.22 Late Fees: $207.06 NSF Fees: $0.00 Other Fees:1 30.00 Advances:1 $45.00 Amount Held in Suspense: $277.86 TNT4 18 aim sttempt to callecta debtargI firlyinibrime9On oblalMel wlilDe ased for titatpurpose FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 11/09/2021 Other Fees and Advances include those amounts assessed in acconiance with your loan documents, and/or permitted by applicable law, or that were authorized for services rendered. You are also responsible for paying any amounts that become due from the date of this letter. This may include; taxes, insurance, inspection fees, and other fees and charges, as permitted by applicable law. Ifyou disagree with the past-due amount listed above, or ifyou believe your loan is current, please call us. 3. Action required to cure the default; You must pay the total monthly payments minus suspense $5,544.36 by 11/14/2019 in order to cure this default. Alllate fees, NSF fees, and other fees and advances are still valid and will need to be paid under the terms of your loan documents. 4. Ifyou failto cure the default on or before 11/14/2010, Chase may accelerate the maturity of the loan, terminate your credit line if theLoan provides for revolving advances, require immediate payment In fulland acquire, or another person may acquire, the property by means of Foreclosure and Sale. Ifthis happens, Chase may be entitled to collect itsexpenses Incurred in pursuing the remedies provided in the Security Instrument, which may include, but not be IImited to, allowable foreclosure/attomey fees, and other expenses permitted by your loan documents or applicable law. Additionally, ifyou meet the following conditions, you willhave the right to have Chase's enforcement of the Security Instrument stopped and to have the Note and the Security Instrument remain fullyeffective as ifimmediate payment in fullhad never been required: a. You pay to Chase the fullamount that is due under the Security Instrument and the Note as ifimmediate payment in fullhad never been required; b. You correct your failureto keep any ofyour other promises or agreements made in the Security Instrument; c. You pay allof Chase's reasonable expenses in enforcing the Security Instrument attomeys' Including, for example, reasonable fees, property Inspection and valuation fees, and other fees incurred for the purpose of protecting Chase's Interest in the property and rights under the Security Instrument; and d. You do whatever Chase reasonably requires to assure that Chase's interest in the property and rights under the Security Instrument and your obligations under the Note and under the Security Instrument continue unchanged. 5. You have the right to reinstate after acceleration of the loan and the right in any lawsuit for Foreclosure and Sale to argue that you did keep your promises and agreements under the Note and Security Instrument and to present any other defenses that you may have to the foreclosure. However, the amount required to reinstate may be higher than what is owed under Paragraph 2 above due to additional fees and charges that we may be entitled to collect under the loan documents and applicable law, Including attomey fees related to any foraciosure action we initiate. 6. Important Information for Rural Housing Service-Guaranteed Loans The Rural Housing Service may reimburse us (pay us a loss claim) ifthe default isnot cured by the date referenced above and the account is referred to foreclosure. You may be responsible for repaying thisclaim to the Rural Housing Service. Ifyour personal for liability this account has not been discharged in a bankruptcy, the Rural Housing Service may use all options, including those under the Debt Collection Improvement Act (DCIA) to recover the full amounts due. The DCIA provides for the collection of outstanding federal debts through the Treasury Offset Program which allows federal payments such as Soclal Security benefits to be "offset" reduced or In order to repay the outstanding debt. FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 11/09/2021 7. Here's Information on how to make your payment of $5,544.36 • Visit for information on online payments. chase.com/WaysToPay making • Call us to make your payment over the phone, free of charge. • Make your payment at a Chase branch. • Mail your payment to one of the addresses below. Regular Mail: CHASE PO BOX 78420 PHOENIX, AZ 85062-8420 Ovemight Mail: CHASE PO BOX 78420 1820 EAST SKY HARBOR CIRCLE SOUTH PHOENIX, AZ 85034-9700 If we've received six Insufficient funds (NSF) payments In the last six months, certified funds are required and payments must be received by mail or in a Chase branch. Except as required by law, we are not required to accept less than the fullamount owed. Ifwe receive less than the full amount owed, we may apply itto your loan without waiving any default or waiving our right to accelerate the loan and begin foreclosure proceedings. 8. Assistance options may be available to help you. We have a variety ofhomeowner assistance options that might help you keep your home; however, we need to talkwith you to discuss these options and determine which of them might be appropriate for your circumstances. Please call us as soon as possible at 1-800-848-9380. 9. We may complete property Inspections while the loan remains in default. Property inspections may be done to determine the property condition, occupancy status and possibly your plans for curing the default and paying this loan on time. Any costs incurred by us may be added to the amount you now owe ifpermitted by your loan documents or applicable law. Here's where to look for help You can find additional resources below to help you with your mortgage: • The Homeowners HOPE Hotline can take your callanytime at 1-888-995-HOPE (1-888-995-4673). • The U.S. Department of Housing and Urban Daysiopment (HUD) has a listof agencies that offer free mortgage-assistance counseling. For a listof agencles, callHUD at 1-800-569-4287, "Resources" or 1-800-877-8339 for TTY services, or go to hud.gov and, under the tab, select Counseling." "Foreclosure Avoidance Ifyou have questions, please call us; we accept operator relay calls. We're here to help Monday through Friday from 8 a.m. to 10 p.m., and Saturday from 8 a.m. to 5 p.m. Eastern Time. Sincerely, Chase 1-800-848-9380 chase.com Esta comunicación contione información importante acerca de lacuenta. SI tlene alguna pregunta o necesita ayuda para traducirls, comuniquese con ñosotics Ilamando al 1-800-848-9380, de lunes a viemes de 8 a.m. a 10 p.m. y sábados de 8 a.m. a 5 p.m., hora del Este. Important Legal Information FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 11/09/2021 We are a debt collector This is an attempt to collect a debt and any information obtained willbe used for that purpose. However, to the extent your original obligation was discharged or is subject to an automatic stay of bankruptcy under Title 11 ofthe United States Code, this notice is for compliance with non-bankruptcy law and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liabilityforsuch obligation. Nothing in this letter(including our use of the words " "loan," "mortgage," "your or "account") means that you're required to repay a debt that's been discharged. Any payment you make on the account is voluntary, but we may stillhave rights under the security instrument, Including the right to foreclose on the property. Ifyou are represented by an attorney, please refer this letterto your attomey and provide us with the attorney's name, address, and telephone number. Information for Servicemembers and their dependents Ifyou or any occupant of your home are or recently were on active Military duty or related active service, you may be eligible for benefits and protections under the federal Servicemembers Civil Relief Act (SCRA), state law, or Chase policy. This includes protection from foreclosure or eviction, and in some cases, interest rate benefits. Some protections also may be available ifyou are the dependent of an eligible Servicemember. Although Servicemember interest rate benefits under the Servicemembers CivilRelief Act don't allow you to defer payments, Califomia law allows for a six-month deferral ifcertain conditions are met. For more information, please call Chase Military Services at 1-877-469-0110. CR40938 BR160