Preview
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021
EXHIBIT L
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021
IN THE SUPREME COURT OF OUEENS COUNTY, NEW YORK
)
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JPMorgan Chase Bank, National Association, ) INDEX NO. 701321/2020
Plaintiff, )
vs. ) Paperty Address:
) 151 BEACH 61ST ST, ARVERNE, NY
) 11692
) Block Lot
)
)
)
)
)
)
CELIA A. WALKER A/K/A CELIA WALKER ; )
CITY OF NEW YORK ENVIRONMENTAL
)
CONTROL BOARD; CITY OF NEW YORK
)
PARKING VIOLATIONS BUREAU; CITY OF )
NEW YORK TRANSIT ADJUDICATION )
BUREAU; ET AL., )
Defendant(s) )
STATE OF QgQ )
) SS
FRANKLIN COUNTY )
AFFIDAVTT
Borrower: WALKER, CELIA A
PropertyAddress: 151 BEACH 6 t ST
ST, ARVERNE, NY 11692
County: QUEENS
Loan Number: XXXXXX0231
vu
Reviewer ID: Gary_Brunton. Qg10-11_08:38:19
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021
1. I am a Vice President-Document Execution of.TPMorgan Chase Bank, National
Association ("Chase"), and Iam authorized to make thisaffidavit on behalf of Chase. Chase is
the loan servicer and the Plaintiffin thisaction.
2. I make this affidavitbased on my review of Chase's business records, as more fully
described below in paragraph 4. Iam over the age of 18 and competent to testifyas to the matters
contained in this affidavit.
3. A note dated 11/13/2006. in the original principal amount of S 258.000.00 (the "Note")
was signed by or on behalf of WALKER. CELIA A ("Borrower"), and was secured by a
mortgage on a property located at 151 BEACH 61ST ST ARVERNE. NY 11692 (the
"Mortgage"). The Note and Mortgage, and ifshown and selected below, any Loan Modification
Documents."
Agreements are collectively referred to as the "Loan
X The loan was modified by a Consolidation Extension Modification Agreement
("CEMA"), combining certainprevious Notes and Mortgages described in Exhibit A to
the CEMA.
X The loan was modified by a Loan Modification Agreement (loss mitigation) with a
firstmodified payment due on 12/01/2018.
4. As a mortgage servicer, Chase collects payments from Borrower and maintains
up-to-date electronic records concerning the loans itservices in itselec=nic record-keeping
system. I have access to the business records of Chase, including the business records forand
relating to the Borrower's loan. I make thisaffidavit bued upon my review of those records
relating to the loan and from my own personal knowledge of how they are kept and maintained.
The loan records are maintained by Chase in the course of itsregularly conducted business
activities and aremade at or near the time of the event, by or fmm information transmitted by a
person with knowledge. Itis the regular practiceto keep such records inthe ordinary course of a
regularly conducted business activity.Chase's records thatrelate to the loan that Ireviewed and
relied upon for the statements made in this Affidavit include images of the Note, Chase's
clectronic servicing system, and images of correspondence to the borrower.
5. Plaintiff,directly or through itsagent, is inpossession of the originalNote and was in
possession at the time of filingthe Complaint, a true and cormct copy of the Note isattached to
the Affidavit.
6. Borrower failed to make the payment that was due for 8/1/2019 under the Loan
Documents and has failed to make subsequent payments to bring the loan current, and the entire
loan balance isnow due and owing toPlaintiff. A copy of the Chase business record showing
amount due and the delinquency date is attached as Exhibit C.
7. As of 10/11/2021 (unless specified otherwise below), Plaintiff seeks to recover the
following itemized sums of money that are due and owing under the Loan Documents, exclusive
of attomey's fees and costs in this action:
Borrower: WALKER, CELIA A
PropertyAddress: 151 BBACH 61ST ST, ARVERNE, NY 11692
County: QUEENS
Loan Number: XXXXXX0231
vt.e
Reviewer ZD: Gary_Brunton-M510-11_os:3a
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021
Principal Balance S 441.3.5,6-44
Interest Due through 9/30/2021 S 33 4223.2
Pre-Acceleration Late Charges $ 0.0
Escrow
Escrow Deficiency-Real Estate
Taxes for the year2021 S 3 413.48
Escmw Deficiency-Real Estate
Taxes for the year 2020 S .4.459.94
4C_.
Escrow Deficiency-Real Estate
Taxes for the year 2012 S
Previous Escmw Deficiency
Real Estate Taxes (cumulative) S 0,©Q
Hazard Insurance S .4.035..05
Mortgage Insurance Premium /
Private Mortgage Insurance S OO
Escrow Credits S (2.7 5.67)
Total Escrow S 13. .13
Broker's Price Opiniar/Appraisals S 0 00
Property Paservation S 0 00
Previous Bankruptcy Fees/Costs S 0 0
Paperty Inspection Fees S
Suspense S Q77.8,61
Miscellaneous Charges/Credits as Follows:
S _0_.o_0
S 0.00
S D.00
S 0.00
S 0.00
Borrower: WALKER, CELIA A
PropertyAddress: 151 BEACH 61ST ST, ARVERNB, NY I1692
County: QUEENS
Loan Number: XXXXXX0231
ru
Revie wer 3D : Gary__Brun ton ( L 10-11.08 : 38 i 19
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021
TOTAL S 488,305.93
Interestwill continue to accrue in ecced=ee with the terms of the Loan Documents.
The loan has a fixed interest rate of4.62500%, which is $40,70 per Diem.
Additional escrow advances and/or fees for inspections, property pmservations or
otherwise to protect the property may be incurred afterthe date of this afndavit.
8. My review of records m•±±ed by Chase reveals that a notice of default,dated
10/10/2019, attached as Exhibit B_, was sent to the Borrower at the lastlatown address provided
by Borrower, which is:78 S 1 ST ST APT 11, BROOKLYN, NY 11249-4139.
9. My aview of records maintained by Chase reveals the following regarding the sending of
the ninety (90) day pre-foreclosure notice ("PFN"):
A PFN dated 08/06/2019 attached as Exhibit A, was sent to WALKER, CELIA A at the address
of the property secured by the Mortgage, and tothe last known edd=n, which is78 S IST ST
APT 11, BROOKLYN NY 11249-4139, by certified and first
class mail.
For each of the PFN ettach•d, the textof the 90 Day Notice istyped in atleast fourteen (14) point
fonL
Borrower: WALKER, CELIA A
PropertyAddress: 151BEACH 61ST ST, ARVERNE, NY 11692
County: QUEENS
Loan Number: XXXXXX0231
vis
Reviewer ED : Gary-Brunton ( L 10-11_O8:3s : 19
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021
BY:
Name: ABanfon
Date: -
/Û~// 7n1(
Title: Vice President-Decument Execution, JPMorgan Chase
Bank, N.A.
Subscribed and to before me in said County
thisjj_ 202(
s 9
O /d OY Â Q(3 f5
Notary Pu
of HeatherR8eme ,,,,,,,,,
State
County of FRANIQ.IN
My Commission expiresahté4 , aCgib(j
Personally Known 1OR Produced Identification L.
Type of identification produced:
TO BE COMPLETED, IN ADDITION TO JURAT (ABOVE), IF EXECUTING OUTSIDE OF
NEW YORK STATE
STATE OF Gil0 )
) as
COUNTY OF }
On the __ l ( day of Oldf'K in the year 20 2 / before me, the undersigned, a
Public in and for said State, personally appeared Brunton ,
Notary Gary
personally known to me or proved to me on the basis of satisfactory evidence to be the
individual(s) whose name(s) is(are) subscribed to the within instrument and acknowledged to
me that he/she/they executed same in his/her/their capacity(ies), and thatby his/her/their
signature(s) on the instrument, the individual(s) or the person upon behalf of which the
individual(s) acted, executed the t,and that such individual made such appearance
before the undersigned in _ (We This instrument was executed
in accordance with the laws of the State of Ohio.
Personally
Produced
Known 1
Identification
OR
Type of Identification Produced: . . .
Notary Publi
'
HeatherR8eare 5
Borrower: WALKER, CELIA A
PropertyAddress: 151 BBACH 61ST ST, ARVERNB, NY 11692 ,,,
County: QUEENS
Loan Number: XXXXXX0231
v in
Reviewer ED : Gary.Brun t.on_ 10-11-o8:3s : 19
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021
EXHlB T A
Reviewer ZD: Gary-Brunton_2021-10-11_08:38:19
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021
Chase (OH4-7399)
PA Be 183205
USPS CERTZ FIED bghZ L "
Columbus,OH 43218
Por Undeliverable
Mall Only
9214 8901 0754 4622 3924 86
- 1of14NAPANDWY2
906353 MOAAAAO
CELIA A WALKBR
78 S ISTST APT 11
SROOKLYN NY 11249-4139
Reviewer ED : Gazy.Brun ton_2021-10-11_08:38: 19
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021
Chase
P.O. Box
(MallCode
183205
OH4-T399>
CHASEO
Columbus, OH 43218
For Undellvarable Mall Only
08/06/2019
CELIA A WALKER
78 S 1ST ST APT 11
BROOKLYN, NY 11249-4139
NY 90 Day Residential Notice
Account
Property Address: 161 BCH 61ST ST
ARVERNE, NY 11692 (the "property")
Dear CELIA A WALKER:
On the following page, you will find a notloe regarding your home as required by New York law.
Reviewer ZD: Gary_Brunton_2021-10-11_08 : 38 r 19
carguedAdulesieaid asonors4caseasseas
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021
YOU MAY BE AT RISK OF FORECLOSURE. PLEASE READ THE
FOLLOWING NOTICE CAREFULLY.
As of 08/06/2019, your home loan Is 36 days and $3,622.88 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 IIst of govemment-approved housing
counseling agencies in your area which provide free counseling. You can
also call the NYS Office of the Attomey 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.aahomehelp.com/.
A statewide IIsting by county is also available at
http://www.dfs.nv.aov/consumer/morta nys no counselina acencies.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 IIsted 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 1-800-848-9380
and ask to discuss possible options.
While we cannot ensure 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).
If you need further information, please call the New York State Department
Services'
of Financial toll-free helpline at (800) 342-3736 or visit the
department's website at www.dfs.nv.gov.
IMPORTANT: You have the right to remain In your home until you receive
a court order you to leave the property. If a foreclosure action is filed
telling
against you in court, you stillhave the right to remain in the home until a
court orders you to leave.
moviewer ID: Gary_Brunton_2021-10-11_08: 39: 19
8:931450013F8440AE883688
Agginle
CagNind 008193-3 ni 14NSPcHD.YSJAAAa33D
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021
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.
sincerely,
chase
1-800-848-9380
chase.com
Enclosed:
-NY Pre Foredosure Notice Spanish Translation
-NY Pre Foredosure NotIce Chinese (Traditional] Translation
-NY Pre Foredosure Notice Russian Translation
-NY Pre Foredosure Notice ItallenTranslation
-NY Pra Foredosure NotIce Haltlan-creole Translation
-NY Pro Foreclosure NotIce Korean Translation
Agencies - New York
-Housing Counseling
CERTIFIEo MAIL: Retum Receipt Requested and First Class Mall
Important Legal Information
We are a debt collector
This is an attempt to collect a debt and any information obtained will be
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 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 liability for
such obligation. Nothing In this letter (including our use of the words
"your," "loan," "mortgage,"
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 still have rights under the security
instrument, the right to foreclose on the property.
including
If you are represented an attorney, please refer this letter to your
by
and provide us with the attomey's name, address, and
attomey
telephone number.
Reviewer 20: Gary_Brunton_2021-10-11.08:38: 19
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021
USTED PUEDE ESTAR EN RIESGO DE UNA EJECUCIÓN HIPOTECARIA.
LEA CUIDADOSAMENTE LA SIGUIENTE NOTlFICACIÓN
Al August 06, 2010, su préstamo hipotecarlo está 36 días en mora y adeuda
$S,622.88 dólares. Conforme la Legislación del Estado de Nueva York,
debemos enviarle esta notificación para informarle que corre el rIesgo de
perder su vivienda.
Adjunta a esta notificación se encuentra una lista de las agencias asesoras
de vivienda aprobadas por el goblemo en su área, las cuales brindan
asesoramiento gratuito,
También puede llamar a la línea gratulta del centro de atención del
consumidor de la Oficina del Programa de Protección de Propietarlos
(HOPP, según su sigla en inglés) del Procurador General del Estado de
Nueva York (NYS) para solicitar los servicios de asesoramiento de vivienda
gratuitos en su área al 1-855-HOME-456 (1-855-466-3456), o visitar el sitio
web http://www.aghomehelp.com/. Un listado a nivel estatal por condado
está también disponible en
http://www.dfs.ny.gov/consumer/mortg_nys_np_counseling_agencies.htm.
Se ofrece asistencia gratuita calificada; tenga cuidado con las empresas y
personas que cobran un cargo por estos servicios.
Los asesores de vivienda de las agencias de Nueva York IIstadas en el sitio
web Indicado anteriormente están capacitadas para ayudar a los
propietarios a hacer los pagos de sus hlpotecas y pueden ayudarlos a
encontrar la mejor opción para su situación específica. Si lo deses, puede
comunicarse directamente con nosotros a 1-800-848-9380 y pedir que
analicemos las posibles opciones.
Aunque no podemos asegurarle que sea posible una resolución que resulte
conveniente mutuamente, le aconsejamos que tome Inmediatamente los
pasos necesarios para tratar de lograr una resolución. Cuanto més tiempo
espere, menores serán las opciones con las que pueda contar.
Si no ha tomado ninguna medida para resolver este asunto dentro de los 90
días posteriores a la fecha de envío de esta notificación, Iniclaremos las
acciones legales en su contra (o lo haremos con anterioridad si usted no
tiene esa vivienda como residencia principal).
Si necesita más Información, comuníquese con la línea de ayuda gratuita del
Departamento de Servicios Financieros del Estado de Nueva York llamando
al (800) 342-3736 o visite el sitio web del Departamento en www.dfs.ny.gov.
Enviewer 20: Gary_Brunton_2021-10-11_08 : 38 : 19
AutMes:St145l010F56485t356 88
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FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021
IMPORTANTE: Tiene derecho a permanecer en su vivienda hasta que
reciba la orden judicial diciéndole que debe abandonar la propiedad. Si se
Inicia una acción de ejecución hipotecarla en su contra en un tribunal, aún
tendrá derecho a permanecer en su vivienda hasta que el tribunal le
ordene abandonarla. Legalmente sigue siendo el propietario y es
responsable de la propiedad hasta que la misma sea vendida por usted o
por orden Judicial al finalizar cualquier procedimiento de ejecución
hipotecaria. Esta notificación no es una orden de desalojo y todavia no se
ha Iniciado una acción de ejecución hipotecaria contra usted.
Información legal Importante
Somos unos cobradores de deuda
Este es un intento de cobro de una deuda y cualquier Información que se
obtenga se usará con ese propósito. Sin embargo, en caso de que su
obligación original fuera condonada mediante la quiebra, o esté sujeta a
una suspensión de cobro según el Tltulo 11 del Código de Qulebras de
los Estados Unidos, esta notificación se realiza únicamente con fines de
cumpilmlento con la ley que excluye la quiebra o con fines informativos y
no constituye un intento de cobrar una deuda ni de imponer
responsablildad personal por dicha obilgación. Ninguna disposición en
esta carta (incluido nuestro uso de las palabras "su", "préstamo",
"hipoteca"
o "cuenta") significa que usted está obligado a pagar una
deuda que ha sido condonada. Cualquier pago que realice en la cuenta es
de forma voluntaria, pero todavía tenemos derechos según el instrumento
de seguridad, incluido el derecho a ejecutar la hipoteca de la propiedad.
Si usted está representado por un abogado, por favor, refiera esta carta a
su abogado y facilltenos el nombre, la dirección y el número de teléfono
del abogado.
Reviewor ID: Gary_Brun ten_2021-10-11_08 : 38 : 19
FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021
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FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021
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FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020
NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021
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FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021 EXHIBIT L FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021 IN THE SUPREME COURT OF OUEENS COUNTY, NEW YORK ) ) ) ) ) ) ) JPMorgan Chase Bank, National Association, ) INDEX NO. 701321/2020 Plaintiff, ) vs. ) Paperty Address: ) 151 BEACH 61ST ST, ARVERNE, NY ) 11692 ) Block Lot ) ) ) ) ) ) CELIA A. WALKER A/K/A CELIA WALKER ; ) CITY OF NEW YORK ENVIRONMENTAL ) CONTROL BOARD; CITY OF NEW YORK ) PARKING VIOLATIONS BUREAU; CITY OF ) NEW YORK TRANSIT ADJUDICATION ) BUREAU; ET AL., ) Defendant(s) ) STATE OF QgQ ) ) SS FRANKLIN COUNTY ) AFFIDAVTT Borrower: WALKER, CELIA A PropertyAddress: 151 BEACH 6 t ST ST, ARVERNE, NY 11692 County: QUEENS Loan Number: XXXXXX0231 vu Reviewer ID: Gary_Brunton. Qg10-11_08:38:19 FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021 1. I am a Vice President-Document Execution of.TPMorgan Chase Bank, National Association ("Chase"), and Iam authorized to make thisaffidavit on behalf of Chase. Chase is the loan servicer and the Plaintiffin thisaction. 2. I make this affidavitbased on my review of Chase's business records, as more fully described below in paragraph 4. Iam over the age of 18 and competent to testifyas to the matters contained in this affidavit. 3. A note dated 11/13/2006. in the original principal amount of S 258.000.00 (the "Note") was signed by or on behalf of WALKER. CELIA A ("Borrower"), and was secured by a mortgage on a property located at 151 BEACH 61ST ST ARVERNE. NY 11692 (the "Mortgage"). The Note and Mortgage, and ifshown and selected below, any Loan Modification Documents." Agreements are collectively referred to as the "Loan X The loan was modified by a Consolidation Extension Modification Agreement ("CEMA"), combining certainprevious Notes and Mortgages described in Exhibit A to the CEMA. X The loan was modified by a Loan Modification Agreement (loss mitigation) with a firstmodified payment due on 12/01/2018. 4. As a mortgage servicer, Chase collects payments from Borrower and maintains up-to-date electronic records concerning the loans itservices in itselec=nic record-keeping system. I have access to the business records of Chase, including the business records forand relating to the Borrower's loan. I make thisaffidavit bued upon my review of those records relating to the loan and from my own personal knowledge of how they are kept and maintained. The loan records are maintained by Chase in the course of itsregularly conducted business activities and aremade at or near the time of the event, by or fmm information transmitted by a person with knowledge. Itis the regular practiceto keep such records inthe ordinary course of a regularly conducted business activity.Chase's records thatrelate to the loan that Ireviewed and relied upon for the statements made in this Affidavit include images of the Note, Chase's clectronic servicing system, and images of correspondence to the borrower. 5. Plaintiff,directly or through itsagent, is inpossession of the originalNote and was in possession at the time of filingthe Complaint, a true and cormct copy of the Note isattached to the Affidavit. 6. Borrower failed to make the payment that was due for 8/1/2019 under the Loan Documents and has failed to make subsequent payments to bring the loan current, and the entire loan balance isnow due and owing toPlaintiff. A copy of the Chase business record showing amount due and the delinquency date is attached as Exhibit C. 7. As of 10/11/2021 (unless specified otherwise below), Plaintiff seeks to recover the following itemized sums of money that are due and owing under the Loan Documents, exclusive of attomey's fees and costs in this action: Borrower: WALKER, CELIA A PropertyAddress: 151 BBACH 61ST ST, ARVERNE, NY 11692 County: QUEENS Loan Number: XXXXXX0231 vt.e Reviewer ZD: Gary_Brunton-M510-11_os:3a FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021 Principal Balance S 441.3.5,6-44 Interest Due through 9/30/2021 S 33 4223.2 Pre-Acceleration Late Charges $ 0.0 Escrow Escrow Deficiency-Real Estate Taxes for the year2021 S 3 413.48 Escmw Deficiency-Real Estate Taxes for the year 2020 S .4.459.94 4C_. Escrow Deficiency-Real Estate Taxes for the year 2012 S Previous Escmw Deficiency Real Estate Taxes (cumulative) S 0,©Q Hazard Insurance S .4.035..05 Mortgage Insurance Premium / Private Mortgage Insurance S OO Escrow Credits S (2.7 5.67) Total Escrow S 13. .13 Broker's Price Opiniar/Appraisals S 0 00 Property Paservation S 0 00 Previous Bankruptcy Fees/Costs S 0 0 Paperty Inspection Fees S Suspense S Q77.8,61 Miscellaneous Charges/Credits as Follows: S _0_.o_0 S 0.00 S D.00 S 0.00 S 0.00 Borrower: WALKER, CELIA A PropertyAddress: 151 BEACH 61ST ST, ARVERNB, NY I1692 County: QUEENS Loan Number: XXXXXX0231 ru Revie wer 3D : Gary__Brun ton ( L 10-11.08 : 38 i 19 FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021 TOTAL S 488,305.93 Interestwill continue to accrue in ecced=ee with the terms of the Loan Documents. The loan has a fixed interest rate of4.62500%, which is $40,70 per Diem. Additional escrow advances and/or fees for inspections, property pmservations or otherwise to protect the property may be incurred afterthe date of this afndavit. 8. My review of records m•±±ed by Chase reveals that a notice of default,dated 10/10/2019, attached as Exhibit B_, was sent to the Borrower at the lastlatown address provided by Borrower, which is:78 S 1 ST ST APT 11, BROOKLYN, NY 11249-4139. 9. My aview of records maintained by Chase reveals the following regarding the sending of the ninety (90) day pre-foreclosure notice ("PFN"): A PFN dated 08/06/2019 attached as Exhibit A, was sent to WALKER, CELIA A at the address of the property secured by the Mortgage, and tothe last known edd=n, which is78 S IST ST APT 11, BROOKLYN NY 11249-4139, by certified and first class mail. For each of the PFN ettach•d, the textof the 90 Day Notice istyped in atleast fourteen (14) point fonL Borrower: WALKER, CELIA A PropertyAddress: 151BEACH 61ST ST, ARVERNE, NY 11692 County: QUEENS Loan Number: XXXXXX0231 vis Reviewer ED : Gary-Brunton ( L 10-11_O8:3s : 19 FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021 BY: Name: ABanfon Date: - /Û~// 7n1( Title: Vice President-Decument Execution, JPMorgan Chase Bank, N.A. Subscribed and to before me in said County thisjj_ 202( s 9 O /d OY  Q(3 f5 Notary Pu of HeatherR8eme ,,,,,,,,, State County of FRANIQ.IN My Commission expiresahté4 , aCgib(j Personally Known 1OR Produced Identification L. Type of identification produced: TO BE COMPLETED, IN ADDITION TO JURAT (ABOVE), IF EXECUTING OUTSIDE OF NEW YORK STATE STATE OF Gil0 ) ) as COUNTY OF } On the __ l ( day of Oldf'K in the year 20 2 / before me, the undersigned, a Public in and for said State, personally appeared Brunton , Notary Gary personally known to me or proved to me on the basis of satisfactory evidence to be the individual(s) whose name(s) is(are) subscribed to the within instrument and acknowledged to me that he/she/they executed same in his/her/their capacity(ies), and thatby his/her/their signature(s) on the instrument, the individual(s) or the person upon behalf of which the individual(s) acted, executed the t,and that such individual made such appearance before the undersigned in _ (We This instrument was executed in accordance with the laws of the State of Ohio. Personally Produced Known 1 Identification OR Type of Identification Produced: . . . Notary Publi ' HeatherR8eare 5 Borrower: WALKER, CELIA A PropertyAddress: 151 BBACH 61ST ST, ARVERNB, NY 11692 ,,, County: QUEENS Loan Number: XXXXXX0231 v in Reviewer ED : Gary.Brun t.on_ 10-11-o8:3s : 19 FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021 EXHlB T A Reviewer ZD: Gary-Brunton_2021-10-11_08:38:19 FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021 Chase (OH4-7399) PA Be 183205 USPS CERTZ FIED bghZ L " Columbus,OH 43218 Por Undeliverable Mall Only 9214 8901 0754 4622 3924 86 - 1of14NAPANDWY2 906353 MOAAAAO CELIA A WALKBR 78 S ISTST APT 11 SROOKLYN NY 11249-4139 Reviewer ED : Gazy.Brun ton_2021-10-11_08:38: 19 FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021 Chase P.O. Box (MallCode 183205 OH4-T399> CHASEO Columbus, OH 43218 For Undellvarable Mall Only 08/06/2019 CELIA A WALKER 78 S 1ST ST APT 11 BROOKLYN, NY 11249-4139 NY 90 Day Residential Notice Account Property Address: 161 BCH 61ST ST ARVERNE, NY 11692 (the "property") Dear CELIA A WALKER: On the following page, you will find a notloe regarding your home as required by New York law. Reviewer ZD: Gary_Brunton_2021-10-11_08 : 38 r 19 carguedAdulesieaid asonors4caseasseas FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021 YOU MAY BE AT RISK OF FORECLOSURE. PLEASE READ THE FOLLOWING NOTICE CAREFULLY. As of 08/06/2019, your home loan Is 36 days and $3,622.88 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 IIst of govemment-approved housing counseling agencies in your area which provide free counseling. You can also call the NYS Office of the Attomey 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.aahomehelp.com/. A statewide IIsting by county is also available at http://www.dfs.nv.aov/consumer/morta nys no counselina acencies.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 IIsted 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 1-800-848-9380 and ask to discuss possible options. While we cannot ensure 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). If you need further information, please call the New York State Department Services' of Financial toll-free helpline at (800) 342-3736 or visit the department's website at www.dfs.nv.gov. IMPORTANT: You have the right to remain In your home until you receive a court order you to leave the property. If a foreclosure action is filed telling against you in court, you stillhave the right to remain in the home until a court orders you to leave. moviewer ID: Gary_Brunton_2021-10-11_08: 39: 19 8:931450013F8440AE883688 Agginle CagNind 008193-3 ni 14NSPcHD.YSJAAAa33D FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021 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. sincerely, chase 1-800-848-9380 chase.com Enclosed: -NY Pre Foredosure Notice Spanish Translation -NY Pre Foredosure NotIce Chinese (Traditional] Translation -NY Pre Foredosure Notice Russian Translation -NY Pre Foredosure Notice ItallenTranslation -NY Pra Foredosure NotIce Haltlan-creole Translation -NY Pro Foreclosure NotIce Korean Translation Agencies - New York -Housing Counseling CERTIFIEo MAIL: Retum Receipt Requested and First Class Mall Important Legal Information We are a debt collector This is an attempt to collect a debt and any information obtained will be 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 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 liability for such obligation. Nothing In this letter (including our use of the words "your," "loan," "mortgage," 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 still have rights under the security instrument, the right to foreclose on the property. including If you are represented an attorney, please refer this letter to your by and provide us with the attomey's name, address, and attomey telephone number. Reviewer 20: Gary_Brunton_2021-10-11.08:38: 19 FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021 USTED PUEDE ESTAR EN RIESGO DE UNA EJECUCIÓN HIPOTECARIA. LEA CUIDADOSAMENTE LA SIGUIENTE NOTlFICACIÓN Al August 06, 2010, su préstamo hipotecarlo está 36 días en mora y adeuda $S,622.88 dólares. Conforme la Legislación del Estado de Nueva York, debemos enviarle esta notificación para informarle que corre el rIesgo de perder su vivienda. Adjunta a esta notificación se encuentra una lista de las agencias asesoras de vivienda aprobadas por el goblemo en su área, las cuales brindan asesoramiento gratuito, También puede llamar a la línea gratulta del centro de atención del consumidor de la Oficina del Programa de Protección de Propietarlos (HOPP, según su sigla en inglés) del Procurador General del Estado de Nueva York (NYS) para solicitar los servicios de asesoramiento de vivienda gratuitos en su área al 1-855-HOME-456 (1-855-466-3456), o visitar el sitio web http://www.aghomehelp.com/. Un listado a nivel estatal por condado está también disponible en http://www.dfs.ny.gov/consumer/mortg_nys_np_counseling_agencies.htm. Se ofrece asistencia gratuita calificada; tenga cuidado con las empresas y personas que cobran un cargo por estos servicios. Los asesores de vivienda de las agencias de Nueva York IIstadas en el sitio web Indicado anteriormente están capacitadas para ayudar a los propietarios a hacer los pagos de sus hlpotecas y pueden ayudarlos a encontrar la mejor opción para su situación específica. Si lo deses, puede comunicarse directamente con nosotros a 1-800-848-9380 y pedir que analicemos las posibles opciones. Aunque no podemos asegurarle que sea posible una resolución que resulte conveniente mutuamente, le aconsejamos que tome Inmediatamente los pasos necesarios para tratar de lograr una resolución. Cuanto més tiempo espere, menores serán las opciones con las que pueda contar. Si no ha tomado ninguna medida para resolver este asunto dentro de los 90 días posteriores a la fecha de envío de esta notificación, Iniclaremos las acciones legales en su contra (o lo haremos con anterioridad si usted no tiene esa vivienda como residencia principal). Si necesita más Información, comuníquese con la línea de ayuda gratuita del Departamento de Servicios Financieros del Estado de Nueva York llamando al (800) 342-3736 o visite el sitio web del Departamento en www.dfs.ny.gov. Enviewer 20: Gary_Brunton_2021-10-11_08 : 38 : 19 AutMes:St145l010F56485t356 88 Cai1And FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021 IMPORTANTE: Tiene derecho a permanecer en su vivienda hasta que reciba la orden judicial diciéndole que debe abandonar la propiedad. Si se Inicia una acción de ejecución hipotecarla en su contra en un tribunal, aún tendrá derecho a permanecer en su vivienda hasta que el tribunal le ordene abandonarla. Legalmente sigue siendo el propietario y es responsable de la propiedad hasta que la misma sea vendida por usted o por orden Judicial al finalizar cualquier procedimiento de ejecución hipotecaria. Esta notificación no es una orden de desalojo y todavia no se ha Iniciado una acción de ejecución hipotecaria contra usted. Información legal Importante Somos unos cobradores de deuda Este es un intento de cobro de una deuda y cualquier Información que se obtenga se usará con ese propósito. Sin embargo, en caso de que su obligación original fuera condonada mediante la quiebra, o esté sujeta a una suspensión de cobro según el Tltulo 11 del Código de Qulebras de los Estados Unidos, esta notificación se realiza únicamente con fines de cumpilmlento con la ley que excluye la quiebra o con fines informativos y no constituye un intento de cobrar una deuda ni de imponer responsablildad personal por dicha obilgación. Ninguna disposición en esta carta (incluido nuestro uso de las palabras "su", "préstamo", "hipoteca" o "cuenta") significa que usted está obligado a pagar una deuda que ha sido condonada. Cualquier pago que realice en la cuenta es de forma voluntaria, pero todavía tenemos derechos según el instrumento de seguridad, incluido el derecho a ejecutar la hipoteca de la propiedad. Si usted está representado por un abogado, por favor, refiera esta carta a su abogado y facilltenos el nombre, la dirección y el número de teléfono del abogado. Reviewor ID: Gary_Brun ten_2021-10-11_08 : 38 : 19 FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021 SW E WWRMWeMMM ER • NfFEMMMTB SE August 06, 2019 ' 8$GMRRE‡(gR 36 R • WR&E $3,622.88 M • Tc MMEMMS ' af5EMB 89$*B %$ • $ WRes M AR • $2 ME-f98MaEM R a 555885 M a MW MMAREMER • StWMRE ftlWJMMFA2 5298its1(HOPP) ARsNR%B MNESFraEW@%RMEREN ' 598 : 1-855-HOME-456 ' (1-855-466-3456) mMRM : http://www.aghomehelp.com/ • -(eefflm anyIJan WaMTR 8 : http://www.dfs.ny.gov/consumer/mortg_nys_np_counseling_agencies,htm • MMWMeW ARE@ : Ms129tWB EstRRWAWJRA ±MM@±Frylf EMMMP M WMWRESEM ' WMAN a MEMMAR±WERGB2ME REMGREMex W B W • R&852 tá • StWMEMW@Rf5 : 1-800-848-9380 • MRRf55ttWR M • RMaf5M@E-E9RE-·E+W3522 WJA3% ' ERf5mm 1122RfiB' a JR NfA• M MMM ' SFrNW MW88 9 • 258a$22982 90 RI* NRf±maMMSAB-ME - af5WatM MSMEMW ( &$¥WNkbMWAS 2WM * • ME-4MMEM) • 25855M&R5 ' NRWWitleBENE AREMS : (800) 342-3736 ' MM4@EER M : www.dfs.ny.gov • RWWE : ARREW*ERMERE fi!EM$42% = SWWWas $ 9 • 258R5RMW85 MM ' agN$+@@M2M ' 20W5 Was 29 • GEMEM2982%RMaMR$NMMAN WWE si!ENT+$$28 ' AMERMEMMWe ' .51.$MR MARRf± a $5 M$524 ' .§.21%$25E$45M55 RFF • Reviewer ID: Gary_Bruntum_2021-10-11-08 : 38 : 19 48AA3084M CardiedArihis5:98144981GFIM 099185-a af14NOPGHDLA48 ·' • JAOOAMD FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021 K BAM MO)KET 6blTb nPHMEHEHO B3bICKAHHE. BHMMATEJIbHO RPOMTHTE CIIE4YIOL1{EE RPEAYnPE)KAEHHE C August 06,2019 r. BSLu HnOTBMHblà KpeAMT npeAOCTSBneH HS 36 AHeÅ C BhinnSTOñ B p83Mepe $3,622.88 AOnnapOB npH HeMCROnHeHMM 06n38TenbCTB. B COOTBGTCTBMM C 38KOHOASTenbCTB0M uIT8TS HbiO-ROpK Mbi 06n38Hb1 HanpaBMTb B8M npegynpe*AeHMe, MTO6bl COO6L4MTb O pHCKe ROTepH BaLuerO mMnbs. K ASHHOMy npGAynpeWASHMIO npHM8r8GTCR CnMCOK yTBepmAeHHblX np8BMTenbCTBOM areHTCTB n0 BOnpOCSM HSABHEMMOCTM B BatueM perHOHe, KOTOphie npeAOCTSBnRIOT GeCnnSTHOS KOHCynbTMp0BSHMe. BbI TBI0Ke MONSTS nO3BOHMTb n0 69CrinSTHOR rOpRMeñnHHMu npOrp8MMbI n0 38L4HTG CO6CTBeHHMKOB EHnbn (HOPP) FeHepanbHO npOKyp8Typhi LLIT&TS HbiO-ROpK H nOnyMMTb 66CnnSTHyl0 KOHCynbT84MIO Fl0 EMnHL4HbIM BOnpOCSM B B8LueM perMOHe n0 Tene‡OHy 1-855-HOME-456 (1-855-466-3456) HnH nOCeTMTb HX C8RT n0 SApeCy: http://www.8gh0mehelp.COm/. CnMCOK no OKpyrSM LLIT8TS Tal0Ne AOCTyneH Ha CARTe http://www.dfs.ny.gov/Consumer/mortg_nys_np_COunseling_8genCles.htm. AOCTynH8 KB8nM‡H4HPOB8HH8s 6ecnnSTHER nOMOL4b; M36era Te KOMnSHHR MRM HM4, B3blCKMBSIOL4MX nnSTy 38 TSKMe yCnyru. KOHCynbT8HTbI FIO *HnHL4HblM BOnpOCSM H3 8FeHTCTB, H8XOARLLIMXCR B HbIO-HOpKe H nepeMMCneHHblX HS BbILUeyK838HHOM CARTG, 06yyGHbi nOMOrSTb CO6CTBeHHHKSM EMnbH, HCrlbITbIBaiOL4MM npO6neMbI npH BblrinSTS HrIOTeMHblX BSHOCOB, M MOryT rlOMOMb BSM HaÖTH nyMLUMÄ BbIXOA M3 BSLuem CMTy84uM. npu NenaHMu Bhi MOmeTe CBASSTbCR C HSMM HanpRMylo no 1-800-848-9380 M 06CyAMTb BOSMOEHble BapusHTbl. XOTR MbI He MOEGM rap8HTHPOBSTb npHHRTHG npMGMneMOrO AnR 06eMX CTOpOH peLueHMs, MbI peKOM9HgyeM BBM npHHHMSTb He38MeAnMTenbHble MepbI Ann AOCTHEGHMR K8KOrO-nu60 peujeMHz. Heu AOnbLue Bhi xAeTe, TeM MeHbLLle BapM8HTOB y BBC OCT8eTCR. ECnu B TeMeHHe 90 AHe C MOMeHTS OTnp8BKH ASHHOrO npeAynpe*AeHMR Bb1 He np6AnpHHRAM K8KMX-nH60 AeÅCTBMñ Ann petueMMA ASHHOrO BOnpOCS, Mbi MOEeM aOs6yAHTb HCK npOTMB BBC (HnM CKOpee, eCnH BSLue MeCWANI4'lliffb'OtilB'f."-2°²¹-1°'11-°°'³° EMnbe nepeCT8eT 6blTb BatuuM OCHOBHblM FILED: QUEENS COUNTY CLERK 11/09/2021 12:32 PM INDEX NO. 701321/2020 NYSCEF DOC. NO. 40 RECEIVED NYSCEF: 11/09/2021 3a AanbH0ÑLl.IBA MH(DOpMal.4ueR 06pau4aGTeCb no 6eCnnaTHOR nMHMM nOAAefEKM (800) 342-3736 YnpaBneHMR (puHaHCOBblX yCnyr LUT8Ta Hbio-MOpK Mnu nOCeTMTe CaRT YnpaBneHMR