Preview
FILED: WASHINGTON COUNTY CLERK 02/26/2022 08:25 AM INDEX NO. EC2020-31588
NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 02/26/2022
EXHIBIT A
FILED: WASHINGTON COUNTY CLERK 02/26/2022 08:25 AM INDEX NO. EC2020-31588
NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 02/26/2022
°"JT"Re?°"a=> CHA5E O
CG|u=bus, OH 43218
For Undeliverable Mail Only
11/19/2019
000400- 1 of 2 NSP0HDLA-Z5
JAO98467
000000000000
AMBER R GENTRY-ZENO
86 COUNTY ROUTE 23
HARTFORD, NY 12838
Please read this Important Information about the status of your loan
Account: (the "loan")
Property Address: 86 COUNTY ROUTE 23
HARTFORD, NY 12838 (the "property")
Dear AMBER R GENTRY-ZENO:
We want you to be aware of the next
steps that may occur if your loan is not brought up to date by
12/24/2019. We understand this may be a difficult time and want you to know that we're here to help if
you're having trouble making your payment. Please read this letter carefully and call us at
1-800-848-9380 if you 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 monthly paymants starting
with the payment due 06/01/2019.
2. As of 11/19/2019, the total amount past due is $5,552.41.
This includes total past due monthly payments of principal, interest and escrow (if applicab|e),
late fees, insufficient funds (NSF) fees, and other fees and advances due under the terms of
your loan documents. The past-due amount is det•!!ed below. If applicable, you may be
responsible for additional escrow amounts that we may pay from the date of this letter. If you
have questions about the amounts detailed below, please call us as soon as possible.
Total Monthly Payments: $5,522.41
Late Fees: $0.00
NSF Fees: $0.00
Other Fees:1 $0.00
Advances:1
$30.00
Amount Held in Suspense: $0.00
This is an attempt to collect a debt and any information obtained will be used for that purpose.
FILED: WASHINGTON COUNTY CLERK 02/26/2022 08:25 AM INDEX NO. EC2020-31588
NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 02/26/2022
Other Fees and Advances include those amounts assessed in accordance with your
loan documents, andfor 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.
If you disagree with the past-due amount listed above, or if you believe your loan is current,
please call us.
3. Action required to cure the default: You must pay the total monthly payments minus
suspense $5,522.41 by 12/24/2019 in order to cure this default. All late fees, NSF fees, and
other fees and adysñcss are still valid and will need to be paid under the terms of your loan
documents.
4. If you fail to cure the default on or before 12/24/2019, Chase may accelerate the maturity of the
loan, terminate your credit line if the Loan provides for revolving advances, require immediate
payment in full and acquire, or another person may acquire, the property by means of
Foreclosure and Sale. If this 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, if you meet the following conditions, you will have the right to have Chase's
enforcement of the Security instrument stopped and to have the Note and the Security
Instrument remain fully ef fective as if immediate payment in full had never been required:
a. You pay to Chase the full amount that is due under the Security Instrument and the
Note as if immediate payment in full had never been required;
b. You correct your failure to keep any of your other promises or agreements made in the
Security instrument;
c. You pay all of Chase's reasonable expenses in enforcing the Security Instrument
attorneys'
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
Security the
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 obligaticñs under the Note
and under the Security Instrument continue unchanged.
5. You have the right to reinstate after acceleraticñ 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 that you may have to the
defenses
foreclosure. However, the amount required to rs|nstate 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 foreclosure
action we initiate.
6. Important Information for Rural Housing Service-Guaranteed Loans
The Rural Housing Service may reimburse us (pay us a loss claim) if the default is not 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. If your parscñal liability for
this account has not been discharged in a bankruptcy, the Rural Housing Service
may all use
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 Social Security benefits to be
"offset"
reduced or in order to repay the outstanding debt.
FILED: WASHINGTON COUNTY CLERK 02/26/2022 08:25 AM INDEX NO. EC2020-31588
NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 02/26/2022
7. Here's information on how to make your payment of $5,622.41
• Visit chase.com for information on making online payments.
v'v'sysToPay
• 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 85082-8420
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 maii or in a Chase branch.
Except as required by law, we are not required to accept less than the full amount owed. If we
receive less than the full amount owed, we may apply it to 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 varlety 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 ccaditiañ, 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 if permitted 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 cali anytime at 1-888-995-HOPE
(1-888-995-4873).
• The U.S. Department of Housing and Urban Development(HUD) has a list of agencies that
offer free mortgage-assistance counseling. a list of agencies,
For call HUD at 1-8m3-560-4287,
"Resources"
or 1-800-877-8339 for TTY services, or go to hud.gov and, under the tab, select
Counseling."
"Foreciosure Avoidance
If you 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 contiene información impcitante acerca de la cuents. Si tiene alguna pregunta o
necesita ayuda para traducirls, comuniquese con nosotros Ilamandc 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 Legal Information
FILED: WASHINGTON COUNTY CLERK 02/26/2022 08:25 AM INDEX NO. EC2020-31588
NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 02/26/2022
We are a debt collector
This is an attempt to collect a debt and any informaticñ obtained will be used for that purpose.
However, to the extent your criginal 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 purpasas only and does not constitute an attempt to collect a debt or to
impose personal liability for such eb!!get!en. Nothing in this letter (including our use of the words
"your," "loan," "mortgage,"
or "account") means that you're required to mpay a debt that's been
discharged. Any payment you make on the account is voluntary, but we may stili have rights under the
security instrument, including the right to foreclose on the property.
If you are represented by an attorney, please refer this letter to your attomey and provida us with the
attomey's name, address, and telephone number.
Information for Servicemembers and their dependents
If you 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 if you are the dependent
of an sligibis Servicemember. Although Servicemember interest rate benefits under the
Servicemembers Civil Relief Act don't allow you to defer payments, California law allows for a
six-month deferral If certain conditions are met.
For more information, please call Chase Military Sarvicas at 1-877-469-0110.
cR40938
BR180
Preview
FILED: WASHINGTON COUNTY CLERK 02/26/2022 08:25 AM INDEX NO. EC2020-31588 NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 02/26/2022 EXHIBIT A FILED: WASHINGTON COUNTY CLERK 02/26/2022 08:25 AM INDEX NO. EC2020-31588 NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 02/26/2022 °"JT"Re?°"a=> CHA5E O CG|u=bus, OH 43218 For Undeliverable Mail Only 11/19/2019 000400- 1 of 2 NSP0HDLA-Z5 JAO98467 000000000000 AMBER R GENTRY-ZENO 86 COUNTY ROUTE 23 HARTFORD, NY 12838 Please read this Important Information about the status of your loan Account: (the "loan") Property Address: 86 COUNTY ROUTE 23 HARTFORD, NY 12838 (the "property") Dear AMBER R GENTRY-ZENO: We want you to be aware of the next steps that may occur if your loan is not brought up to date by 12/24/2019. We understand this may be a difficult time and want you to know that we're here to help if you're having trouble making your payment. Please read this letter carefully and call us at 1-800-848-9380 if you 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 monthly paymants starting with the payment due 06/01/2019. 2. As of 11/19/2019, the total amount past due is $5,552.41. This includes total past due monthly payments of principal, interest and escrow (if applicab|e), late fees, insufficient funds (NSF) fees, and other fees and advances due under the terms of your loan documents. The past-due amount is det•!!ed below. If applicable, you may be responsible for additional escrow amounts that we may pay from the date of this letter. If you have questions about the amounts detailed below, please call us as soon as possible. Total Monthly Payments: $5,522.41 Late Fees: $0.00 NSF Fees: $0.00 Other Fees:1 $0.00 Advances:1 $30.00 Amount Held in Suspense: $0.00 This is an attempt to collect a debt and any information obtained will be used for that purpose. FILED: WASHINGTON COUNTY CLERK 02/26/2022 08:25 AM INDEX NO. EC2020-31588 NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 02/26/2022 Other Fees and Advances include those amounts assessed in accordance with your loan documents, andfor 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. If you disagree with the past-due amount listed above, or if you believe your loan is current, please call us. 3. Action required to cure the default: You must pay the total monthly payments minus suspense $5,522.41 by 12/24/2019 in order to cure this default. All late fees, NSF fees, and other fees and adysñcss are still valid and will need to be paid under the terms of your loan documents. 4. If you fail to cure the default on or before 12/24/2019, Chase may accelerate the maturity of the loan, terminate your credit line if the Loan provides for revolving advances, require immediate payment in full and acquire, or another person may acquire, the property by means of Foreclosure and Sale. If this 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, if you meet the following conditions, you will have the right to have Chase's enforcement of the Security instrument stopped and to have the Note and the Security Instrument remain fully ef fective as if immediate payment in full had never been required: a. You pay to Chase the full amount that is due under the Security Instrument and the Note as if immediate payment in full had never been required; b. You correct your failure to keep any of your other promises or agreements made in the Security instrument; c. You pay all of Chase's reasonable expenses in enforcing the Security Instrument attorneys' 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 Security the 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 obligaticñs under the Note and under the Security Instrument continue unchanged. 5. You have the right to reinstate after acceleraticñ 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 that you may have to the defenses foreclosure. However, the amount required to rs|nstate 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 foreclosure action we initiate. 6. Important Information for Rural Housing Service-Guaranteed Loans The Rural Housing Service may reimburse us (pay us a loss claim) if the default is not 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. If your parscñal liability for this account has not been discharged in a bankruptcy, the Rural Housing Service may all use 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 Social Security benefits to be "offset" reduced or in order to repay the outstanding debt. FILED: WASHINGTON COUNTY CLERK 02/26/2022 08:25 AM INDEX NO. EC2020-31588 NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 02/26/2022 7. Here's information on how to make your payment of $5,622.41 • Visit chase.com for information on making online payments. v'v'sysToPay • 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 85082-8420 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 maii or in a Chase branch. Except as required by law, we are not required to accept less than the full amount owed. If we receive less than the full amount owed, we may apply it to 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 varlety 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 ccaditiañ, 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 if permitted 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 cali anytime at 1-888-995-HOPE (1-888-995-4873). • The U.S. Department of Housing and Urban Development(HUD) has a list of agencies that offer free mortgage-assistance counseling. a list of agencies, For call HUD at 1-8m3-560-4287, "Resources" or 1-800-877-8339 for TTY services, or go to hud.gov and, under the tab, select Counseling." "Foreciosure Avoidance If you 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 contiene información impcitante acerca de la cuents. Si tiene alguna pregunta o necesita ayuda para traducirls, comuniquese con nosotros Ilamandc 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 Legal Information FILED: WASHINGTON COUNTY CLERK 02/26/2022 08:25 AM INDEX NO. EC2020-31588 NYSCEF DOC. NO. 33 RECEIVED NYSCEF: 02/26/2022 We are a debt collector This is an attempt to collect a debt and any informaticñ obtained will be used for that purpose. However, to the extent your criginal 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 purpasas only and does not constitute an attempt to collect a debt or to impose personal liability for such eb!!get!en. Nothing in this letter (including our use of the words "your," "loan," "mortgage," or "account") means that you're required to mpay a debt that's been discharged. Any payment you make on the account is voluntary, but we may stili have rights under the security instrument, including the right to foreclose on the property. If you are represented by an attorney, please refer this letter to your attomey and provida us with the attomey's name, address, and telephone number. Information for Servicemembers and their dependents If you 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 if you are the dependent of an sligibis Servicemember. Although Servicemember interest rate benefits under the Servicemembers Civil Relief Act don't allow you to defer payments, California law allows for a six-month deferral If certain conditions are met. For more information, please call Chase Military Sarvicas at 1-877-469-0110. cR40938 BR180