Preview
FILED: SUFFOLK COUNTY CLERK 01/24/2022 01:58 PM INDEX NO. 603402/2019
NYSCEF DOC. NO. 20 RECEIVED NYSCEF: 01/24/2022
"E"
Exhibit
FILED: SUFFOLK COUNTY CLERK 01/24/2022 01:58 PM INDEX NO. 603402/2019
NYSCEF DOC. NO. 20 RECEIVED NYSCEF: 01/24/2022
CARRINGTON
MoBTGAGBaRRVICES,MC
P.O.BoK 5001
Westfield,IN46074
0002240 D1ABA405 *AUro T70931311788-443841-Cm-P000004
JOSEPHBORQZNY
SUZANNE PENNYBOROZNY
241ATLANTIC PLACE PmpettyAddæss:
HAUPPAUGENY11788-4438
241ATIANTIC PLACE
HAUPPAUGE, NY 11788
I||I;;•I;I-Apj;jhjjejL!!.½þeep!;!þp;‡|ng
Loan Nurnber
09/08/2018
NOTICE OF INTENT TO FORECLOSE
Dear Mortgagor(s):
The above referenced loan isin defa11ltbecause the rnonthly payment(s) due on and aner 08/01/2018 have not been
received. The amount requinxi to cure thisdelinquency, as of the date ofthis is
letter, $5,716.97, less $0.00, monies held in
Unapplied.
SUBSEQUENT PAYMENTS, LATE CHARGES, AND (YfHER FEES WILL BE ADDED TO THE ABOVE STATED
REINSTATEMENT AMOUNT AS THEY ARE ASSESSED,
Please rernitthe totalamount due in CERTIFIED FUNDS, nthng one of the following payment resources:
Overnight Mail | W.g_tern Union | MonevGram
Carrington Mortgage Services, LLC | Quick Collect(any location) | Receive Code - 7998
Dept. 2-270 Code -- CARRINGTONMS
Cashiering | City j
1600 South Douglass Road, Suites 110 & 200-A Code State- CA
|
Anaheim, CA 92806
IF YOU ARE UNABLE TO BRING YOUR ACCOUNT CURRENT, PLEASE CONTACT CARRINGTON
MORTGAGE SERVICES, LLC TO DISCUSS HOME RETENTION ALTERNATIVES TO AVOID FORECLOSURE
AT (800) 561-4567 OR BY MAIL AT 1600 SOUTH DOUGLASS ROAD, SUITES 110 & 200-A, ANAHEIM, CA
92806
You may also contact the following ae-ncim to fmd out other options you may have to avoid foreclosure at no charge
from HUD-approved housing counselors:
• The Department of Housing and Urban Development ("HUD") hotlineannber is(800) 569-4287 or you can visit
theirwebsite at http://www.hud.pov/foreclosure mdex.can.
• The HOPE NOW hotline number is(888) 955-HOPE (4673). Hope Now isa partnership between mortgage
companies and non-profit housing counselors.
NO687 Page 1 of 4
931341-0D.000224(>0001-0009244
FILED: SUFFOLK COUNTY CLERK 01/24/2022 01:58 PM INDEX NO. 603402/2019
NYSCEF DOC. NO. 20 RECEIVED NYSCEF: 01/24/2022
• For the state ofNew York, you visitthe New York State Department of Finiel Services website
may
[www.dfs.nv.govl and New York Division of Housing & Ccdf Renewal website [higr//www.nvadher.aowl.
Failure to cure the delinquency within 30 days ofthe date of this letter
may resultin acceleration of the sums secured by the
Deed of Trust or Mortgage and in the saleof the property.
You have the right to ++-±e your loan after legal action has begun. You also have the rightto assert in foreclosure, the
non-existence of a default cr any other defuse to acceleration and foreclosure.
Should you have any questions, please contact our ofEce at (800) 561-4567, Monday through Friday 8:00 a.m. to 8:00 p.m.
Eastern Time.
Sincemly,
Loan Servicing Departmme
Carrington Mortgage Services, LLC
NO687 Page 2 of 4
931301aMMtv24wn 09244
FILED: SUFFOLK COUNTY CLERK 01/24/2022 01:58 PM INDEX NO. 603402/2019
NYSCEF DOC. NO. 20 RECEIVED NYSCEF: 01/24/2022
IMPORTANT DISCLOSURES
-VERBAL INQUIRIES & COMPLAINTS-
For vertialinqulifes and complaints about your mortgage loan, please contact the CUSTOMER SERVICE
DEPARTMENT for Canington Mortgage Services, LLC, by calling 1-800-561-4567. The CUSTOMER SERVICE
DEPARTMENT for Carrington Mortgage Services, LLC Is toll
free and you may callfmm 8:00 a.m. to 8:00 p.m. Eastem
Time, Monday through Friday. You may also visitour website at https://caninotonms.com/.
-IMPORTANT BANKRUPTCY NOTICE-
Ifyou have been discharged from personal on
liablilty the mortgage because of banlauptcy pmceedings and have not
reaffirmed the mortgage, or if you are the subject of a pending bankruptcy pmceeding, this letterisnot an attempt to
collecta debt fmm you but merely pmvides Informational notice regarding the status of the loan. Ifyou are represented
by an attomey with respect to your mortgage, please forward thisdocument to your attomey.
-CREDIT REPORTING-
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults
on your account may be reflected in your credit report. As required by law, you are hereby notifiedthat a negative
creditreport reflectingon your creditrecord may be submlead to a credit reporting agency ifyou failtofulfill
the terms
of your credit obligations.
-MINI MIRANDA-
ThIs communication is from a debt collector and it Is for
the purpose of collecting a debt and any information obtained
will be used for thatpurpose. This notice isrequired by the pmvisions of the Fair Debt Collection Practices Act and
does not Imply that we are attempting to collect money fmm anyone who has discharged the debt under the bankruptcy
laws of the United States.
-HUD COUNSELOR INFORMATION-
Ifyou would IIkecounseling or assistance, you may obtain a IIstof HUl>appmved homeownership counselors or
counseling organizations Inyour area by calling the HUD nationwide toll-freetelephone number at (800) 589-4287 or
toll-freeTDD (800) 877-8339, orby going to http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm. You can also contact the
CFPB at (855) 411-2372, or by going to www.consumerfinance.gov/find-a-housing-counselor.
-EQUAL CREDIT OPPORTUNITY ACT NOTICE-
The Federal Equal Cledit Opportunity Act pmhlbits creditors from discriminating against credit applicants on the basis
of race, color, religion,national origin,sex, marital status, or age (pmvided the applicant has the capacity to enter Intoa
binding contract); because allor part ofthe appilcant's income derives from any public assistance program; or because
the applicant has, In good faith,exemised any right under the Consumer Credit Protection Act. The Federal Agency that
CMS'
administers compliance with thislaw is theFederal Trade Commission, Equal Credit Opportunity, Washington,
DC 20580.
-8CRA DISCLOSURE-
MILITARY PERSONNEIJSERVICEMEMBERS: Ifyou or your spouse isa member of the military,please contact us
immediately. The federal Servicemembers CivilRelief Act and comparable state laws afford significant protections and
benefitsto gligih|gg
military service personnel, including protections from foreclosure as well as interest rate rollef.For
additional Information and todetermine please
eligibillty contact our MilitaryAssistance Team tollfree at
(888) 267-5474.
-NOTICES OF ERROR AND INFORMATION REQUESTS, QUALIFIED WRITTEN REQUESTS (QWR)-
Written complaints and Inquiries classified as Notices of Error and Information Requests or QWRs must be submitted
to Carrington Mortgage Services, LLC by fax to 800-488-5134, or In writingto Carrington Mortgage Services, LLC, and
Attention: Customer Service, P.O. Box 5001, Westfield, IN 48074. Please Include your loan number on all pages of
the conuspondence. You have the right to request documents we rolled upon in reaching our datemlination. You may
request such documents or receive further assistance by contacting the CUSTOMER SERVICE DEPARTMENT for
Carrington Mortgage Services, LLC tollfree at (800) 561-4567, Monday thmugh Friday, 8:00 a.m. to 8:00 p.m. Eastem
Time. You may also visitour website at https·//caninotonms.com/.
NO887 Page 3 of 4
9313·OMD-0002.240·0002-0009243
FILED: SUFFOLK COUNTY CLERK 01/24/2022 01:58 PM INDEX NO. 603402/2019
NYSCEF DOC. NO. 20 RECEIVED NYSCEF: 01/24/2022
New York City Department of Consaner Affairs Debt CoAection Agency License Numbers: 1264739-DCA;
2027784-DCA, 2027786-DCA & 2057938-DCA
This Collection agency islicensed by the City of Buffalo license numbers: 555177; 555176 & 10033598
City of Yonkers Debt CoAection Agency License Numbers: 10007; 9717; 9837 & 9826
For New York residents: You filecomplaint• about CMS with the New York State Deparhnent of Mnancial
may
Services. You may obtain further information from the New York State Department of Financial Services by calling
the Deparbnent's Consumer Amistance Unit at 1-800-342-3736 or by visiting the Department's website at
www.dfs.ny.gov. Carrington Mortgage Services, LLC isregistered with the Superintendent of the New York State
Department of Mnancial Services.
NO687 Page 4 of 4
9313·01-00000224LW"C243
Preview
FILED: SUFFOLK COUNTY CLERK 01/24/2022 01:58 PM INDEX NO. 603402/2019 NYSCEF DOC. NO. 20 RECEIVED NYSCEF: 01/24/2022 "E" Exhibit FILED: SUFFOLK COUNTY CLERK 01/24/2022 01:58 PM INDEX NO. 603402/2019 NYSCEF DOC. NO. 20 RECEIVED NYSCEF: 01/24/2022 CARRINGTON MoBTGAGBaRRVICES,MC P.O.BoK 5001 Westfield,IN46074 0002240 D1ABA405 *AUro T70931311788-443841-Cm-P000004 JOSEPHBORQZNY SUZANNE PENNYBOROZNY 241ATLANTIC PLACE PmpettyAddæss: HAUPPAUGENY11788-4438 241ATIANTIC PLACE HAUPPAUGE, NY 11788 I||I;;•I;I-Apj;jhjjejL!!.½þeep!;!þp;‡|ng Loan Nurnber 09/08/2018 NOTICE OF INTENT TO FORECLOSE Dear Mortgagor(s): The above referenced loan isin defa11ltbecause the rnonthly payment(s) due on and aner 08/01/2018 have not been received. The amount requinxi to cure thisdelinquency, as of the date ofthis is letter, $5,716.97, less $0.00, monies held in Unapplied. SUBSEQUENT PAYMENTS, LATE CHARGES, AND (YfHER FEES WILL BE ADDED TO THE ABOVE STATED REINSTATEMENT AMOUNT AS THEY ARE ASSESSED, Please rernitthe totalamount due in CERTIFIED FUNDS, nthng one of the following payment resources: Overnight Mail | W.g_tern Union | MonevGram Carrington Mortgage Services, LLC | Quick Collect(any location) | Receive Code - 7998 Dept. 2-270 Code -- CARRINGTONMS Cashiering | City j 1600 South Douglass Road, Suites 110 & 200-A Code State- CA | Anaheim, CA 92806 IF YOU ARE UNABLE TO BRING YOUR ACCOUNT CURRENT, PLEASE CONTACT CARRINGTON MORTGAGE SERVICES, LLC TO DISCUSS HOME RETENTION ALTERNATIVES TO AVOID FORECLOSURE AT (800) 561-4567 OR BY MAIL AT 1600 SOUTH DOUGLASS ROAD, SUITES 110 & 200-A, ANAHEIM, CA 92806 You may also contact the following ae-ncim to fmd out other options you may have to avoid foreclosure at no charge from HUD-approved housing counselors: • The Department of Housing and Urban Development ("HUD") hotlineannber is(800) 569-4287 or you can visit theirwebsite at http://www.hud.pov/foreclosure mdex.can. • The HOPE NOW hotline number is(888) 955-HOPE (4673). Hope Now isa partnership between mortgage companies and non-profit housing counselors. NO687 Page 1 of 4 931341-0D.000224(>0001-0009244 FILED: SUFFOLK COUNTY CLERK 01/24/2022 01:58 PM INDEX NO. 603402/2019 NYSCEF DOC. NO. 20 RECEIVED NYSCEF: 01/24/2022 • For the state ofNew York, you visitthe New York State Department of Finiel Services website may [www.dfs.nv.govl and New York Division of Housing & Ccdf Renewal website [higr//www.nvadher.aowl. Failure to cure the delinquency within 30 days ofthe date of this letter may resultin acceleration of the sums secured by the Deed of Trust or Mortgage and in the saleof the property. You have the right to ++-±e your loan after legal action has begun. You also have the rightto assert in foreclosure, the non-existence of a default cr any other defuse to acceleration and foreclosure. Should you have any questions, please contact our ofEce at (800) 561-4567, Monday through Friday 8:00 a.m. to 8:00 p.m. Eastern Time. Sincemly, Loan Servicing Departmme Carrington Mortgage Services, LLC NO687 Page 2 of 4 931301aMMtv24wn 09244 FILED: SUFFOLK COUNTY CLERK 01/24/2022 01:58 PM INDEX NO. 603402/2019 NYSCEF DOC. NO. 20 RECEIVED NYSCEF: 01/24/2022 IMPORTANT DISCLOSURES -VERBAL INQUIRIES & COMPLAINTS- For vertialinqulifes and complaints about your mortgage loan, please contact the CUSTOMER SERVICE DEPARTMENT for Canington Mortgage Services, LLC, by calling 1-800-561-4567. The CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC Is toll free and you may callfmm 8:00 a.m. to 8:00 p.m. Eastem Time, Monday through Friday. You may also visitour website at https://caninotonms.com/. -IMPORTANT BANKRUPTCY NOTICE- Ifyou have been discharged from personal on liablilty the mortgage because of banlauptcy pmceedings and have not reaffirmed the mortgage, or if you are the subject of a pending bankruptcy pmceeding, this letterisnot an attempt to collecta debt fmm you but merely pmvides Informational notice regarding the status of the loan. Ifyou are represented by an attomey with respect to your mortgage, please forward thisdocument to your attomey. -CREDIT REPORTING- We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. As required by law, you are hereby notifiedthat a negative creditreport reflectingon your creditrecord may be submlead to a credit reporting agency ifyou failtofulfill the terms of your credit obligations. -MINI MIRANDA- ThIs communication is from a debt collector and it Is for the purpose of collecting a debt and any information obtained will be used for thatpurpose. This notice isrequired by the pmvisions of the Fair Debt Collection Practices Act and does not Imply that we are attempting to collect money fmm anyone who has discharged the debt under the bankruptcy laws of the United States. -HUD COUNSELOR INFORMATION- Ifyou would IIkecounseling or assistance, you may obtain a IIstof HUl>appmved homeownership counselors or counseling organizations Inyour area by calling the HUD nationwide toll-freetelephone number at (800) 589-4287 or toll-freeTDD (800) 877-8339, orby going to http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm. You can also contact the CFPB at (855) 411-2372, or by going to www.consumerfinance.gov/find-a-housing-counselor. -EQUAL CREDIT OPPORTUNITY ACT NOTICE- The Federal Equal Cledit Opportunity Act pmhlbits creditors from discriminating against credit applicants on the basis of race, color, religion,national origin,sex, marital status, or age (pmvided the applicant has the capacity to enter Intoa binding contract); because allor part ofthe appilcant's income derives from any public assistance program; or because the applicant has, In good faith,exemised any right under the Consumer Credit Protection Act. The Federal Agency that CMS' administers compliance with thislaw is theFederal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. -8CRA DISCLOSURE- MILITARY PERSONNEIJSERVICEMEMBERS: Ifyou or your spouse isa member of the military,please contact us immediately. The federal Servicemembers CivilRelief Act and comparable state laws afford significant protections and benefitsto gligih|gg military service personnel, including protections from foreclosure as well as interest rate rollef.For additional Information and todetermine please eligibillty contact our MilitaryAssistance Team tollfree at (888) 267-5474. -NOTICES OF ERROR AND INFORMATION REQUESTS, QUALIFIED WRITTEN REQUESTS (QWR)- Written complaints and Inquiries classified as Notices of Error and Information Requests or QWRs must be submitted to Carrington Mortgage Services, LLC by fax to 800-488-5134, or In writingto Carrington Mortgage Services, LLC, and Attention: Customer Service, P.O. Box 5001, Westfield, IN 48074. Please Include your loan number on all pages of the conuspondence. You have the right to request documents we rolled upon in reaching our datemlination. You may request such documents or receive further assistance by contacting the CUSTOMER SERVICE DEPARTMENT for Carrington Mortgage Services, LLC tollfree at (800) 561-4567, Monday thmugh Friday, 8:00 a.m. to 8:00 p.m. Eastem Time. You may also visitour website at https·//caninotonms.com/. NO887 Page 3 of 4 9313·OMD-0002.240·0002-0009243 FILED: SUFFOLK COUNTY CLERK 01/24/2022 01:58 PM INDEX NO. 603402/2019 NYSCEF DOC. NO. 20 RECEIVED NYSCEF: 01/24/2022 New York City Department of Consaner Affairs Debt CoAection Agency License Numbers: 1264739-DCA; 2027784-DCA, 2027786-DCA & 2057938-DCA This Collection agency islicensed by the City of Buffalo license numbers: 555177; 555176 & 10033598 City of Yonkers Debt CoAection Agency License Numbers: 10007; 9717; 9837 & 9826 For New York residents: You filecomplaint• about CMS with the New York State Deparhnent of Mnancial may Services. You may obtain further information from the New York State Department of Financial Services by calling the Deparbnent's Consumer Amistance Unit at 1-800-342-3736 or by visiting the Department's website at www.dfs.ny.gov. Carrington Mortgage Services, LLC isregistered with the Superintendent of the New York State Department of Mnancial Services. NO687 Page 4 of 4 9313·01-00000224LW"C243