Preview
|.,
DOCKET NO: TTD-CV-23-60266095 : SUPERIOR COURT
a
,/) MILL CITY MORTGAGE LOAN TRUST : J.D. OF TOLLAND
2021-NMRI
UJ
{
Employer: Bendett & McHugh, PC D. Hill, Paralegal
l{
n Subscribed and swom to before tne at Farmington, CT, on JUN 3 0 2023
04
\$
&
al
F
F-
\o
ut Dominick
J Commissioner of the Superior Court
lrl
F
c.t Document # 19084965
\c' s732FC-20231189
F
L)
b0
(o
tri
|r}
{.,
U)
c)
c)
o
ct)
rt
lt
t-
{.i
q |.
p*
e0
o.
a
€
C)
'd
c.)
cn
Shellpoint Mongage Strrvicing PRESORT
P.O. Box 9103 First-Class Mail
Temecula, CA 92589-D'103 U.S. Postage and
Fees Pa'd
il I llill ] I lr ll ll I I I lll ll II I ll llll ll I ll lll I lll WSO
13l,tt 71,[[ ],1?[ ],L03 31S1, q0
Send Paynents lo:
Shellpoint lvlortgaue Servicing RETURN RECEIPT REQUESTED
P.O, Box 650840
Dallas, TX 75265-0840
2022'1031-39
Send Gorrespondenceto:
Shellpoint Mortgage Servicing
P.O. Box 10826 rllp1ll,1l1t,ll1ll1ll,,rrl',,llllllllllllt,lll'l,l1rr11l,lll',
Greenville, SC 29603
BRENDA L BOUCHARD
ROBERT W MILLER JR
15 CHERRY VALLEY RD
coLUMBlA, CT 06237 -1207
ffi
W CT DETilAND
P.O l-1o\ l()8-1h
Gretrrvi lle. SC' 29(i0'l
I'hone: S66-325-2 I ?4
l-rr: 8b6-1{r?-l lS?
sXrellpc$ffi urrrv.,shcl I point tuls,cclrt
Scnt Via Cjerlified lvlail'r'r\'t with Re|urn Receipt
3tl,'t ?t [0 ],1,?l 1,1,03 1181, t{ 0
1{)/}1,2022
BRENDA L BOIJCI.IARD
ROBERT W N4ILLER JR
15 CIIERRY VALI-EY RI)
COLUMBIA, CT 06237 -1207
LoanNumbert I
PropertyAddress: l5 CHERRYVALLEYIID
coLLiMBIA,C'r 06237
Dear BRENDA L BOUCHARI) ancl ROBERT W MILLER JR:
This letter is lbrrnal notice lry Shellpoint Mortgage Servicing, the Servicer of the above-referencecl loan acting
on behalf of MILL CITY MORTGAGE LOAN TRtlST 2021-NMR1 " that you are in delault ulcler the terns
of the documents creating and securing your Loan described above. including the Note and Deed of
Trust/Mortgage/Secririty Deed ("security Ins(rument"), for iailure to pay the amounts due.
You have a right to cure fhe default. To cure the default, you must pay rhe full amount of the defarrlt on this
loan try 0110412023 (or if said date fhlls on a Sanrrday, Srinday, or legal holiday, tlten on the first business day
thereafter). Fnilurc to curs the default on or before this clate tnay result in trcceleratictn of the snms secured by
this Security Inskument and foreclosure or sale of the propeily,
As of the clate of this notice, the total amount required to cure the default is $2,093.13, rvhich consists of the
following:
Next Payment l)ue Date: {)9/01/2022
Total Monthly Payments Due: $2.144.12
0qi01t2022 at $1,072.06
10i01na22 at $ 1.072.06
Late Charges: s226.s5
Corporate Advance Balance: $s7.4i
Unapplied Balance: [$i=j4.e5)
TOTAL YOU NIUST PAY'I"O CURTI DEITAUI,'t': $2,093.13
Ygu can cure this default by nraking a paymcnl of'$2,0!)3.1-l by 01104120?3. Please note an-y additional
monthly palments, late cha.rges ancl olher tirargcs that may bc dne untlcr the Notc, Security lrrslrumenl and
applicable law after the clate of this uotice nlust also be paid to brirrg yoLrr ascoultt cul:rent. You trtay corrtact
our Loss Mitigation Department at 866-825-2174 to obtain upclatecl paymcnt infonnalicrn. This letter is in n<:
rvay intenrled as a payoff staternent for your rrrortgage, it merel.v states an alllount necessary to cure the current
defrult. Please include your loan number and property addr ess rvitlt your payment and send to:
Shellpoint Mortgage Servicing
P.O. Box 650840
I)allas, TX 75265-0840
N:g
lF.it3&
W_(;T_Dril\4ANI) Rev.12i2021
PageI ol:5 3ll,q ?1,0[ ],1,?n l,l,u1 ci81 qB
0vcrnight:
Shel lpoint IM ort ga-uc S ervicing
75 iSeaitie Place
Suite 300
Grcenville, SC 29601
if you rvish to tlisputc the delinqucrncy, err iI'you dispute the cllculati'Lln o1'tlttortnt o1'the deiinqn.rncy and
reinstatenrent amount, you nmy crtntact us by calling 8()6-825-2174.
'I"o the sxtent your obligation has been dischargcd or is subject to thc autonratic stay in a banliruptcy
case, this notice is l'or inlbrnratjonal purposes oul,v and docs rtot cotrstitute a demand fol pa-Yntcnt or an
attempt to collet:t a clebt ns youl' personal obligrrtion, If you :rre represented by iur attol"ney, plcase
provide us with thc attorney'$ name, address. and tclepholte nttlnbcr.
tF YOU ARE UNABLE TO BRING YOIJR ACCOLINT CURRENT, Shel$oint Mortgage Scrvicing offbrs
consumer assistance progran')s designed to help resolve delinquencies and avoicl foreclosure. These serviccs are
providerl without cost to our custorners. You may be eligible fbr a loan workout plan or other sinrilar
altelnative to fbreclosure. lf you r,vnuld like to learn tnore abortt these programs, you lrlay contact Christian
Burger at 8882120128, ext. 4987. Monday - Friday 8:00Atvl to 9:00PlVl and Satr.rrday 8:00AM to 1:00PM to
tiiscuss possible option,s. You may also visit ou' rvebsite unvw.shellpoirrttntg.cotn. WE ARE VERY
INTERESTED IN ASSISTING YOU.
Yr:u have the right to reinstate the loan after acceleration and the right to assel't in court the non-existence of a
clefault or any other tJeftnse to acceleration and ftrreclosure or sale. If fbreclosure proceedings are undettaken,
we may pur$ue a. deficiency judgnent, if perrnitted by applicable law. Failurc to respond to this letter may
result in ihe loss of your property.
Smergcncy iVlortgage Assistancc Program
Please be aclvised that under Section 8-265ee of the Cormecticut Ccneral Statutes, as aulcnded, you have sixty
(60) days from the clate of.this letter to: 1) have a face-to-face meeting or telephone conference with Shellpoint
lvlortgage Servicing or a face-to-face rneeting r.r,ith a con$unel ctlunseling agency to attelnpt to resolve the
delilquency or clela-ult of the above relbrenced moltgage loari by restntcturing the loan payment schedule or
otherwise; anci 2) contact the Connecticut Housing h'inance Authority at the address and phone nutnbcr belorv,
to obtain information and'app1y for ernergency mortgage assistance payments if you are not able to resolve the
nrofigage delinquency or default wilh Slieilpoint Mortgage Servrcirrg,
The address and telephone nurnber lor the Clonnecticlrt l'lousing Finance Ar-rthority is 999 West Street, Roclry
Hill, Ccrnnecticut 06067, ancl the lelephone nurnber is 1-860-571-3500 or' l-871-S7l-2432. Enciosed is the
Notice of Cornmunity-Based Rcsources for Comrecticut Homeowncrs in Foreclosure.
Nervrcz LLC dba Shellpoint Nlortgage Servicing is a debt collector. Tlris is aD attempt to collect a debt
and any infbrmation obtained will be used lbr that purpose. Nervrez LLC dba Shellpoint lllortgtge
Servicing's NI\'ILS lD is 3013.
You are notified that this clefault antl an-y other legal acticxr that lnay occlrr as tr rcsult thelclrf may be reported
to one or rnore local arrcl national creclit reporting agencies b.'- Shellpoint Mortgage Servicing.
Attention Servicemembers and Dependents: Servicemembers on aclive dutv, or a spouse or: dependent of
such a servicemember, may be entitled to ccrtnin protections undcr 1he Serrricemenrbers Civil Relief Act
("SCILA") regarding the servicenrernber's inter est rate anil the risk of the foreclosure. SCRA and cefain state
iarvs provide itnporlant protections for 1,su, inclucling prohibiting fbreclostre rtnder nrosl cit'cumstances. If you
&xe currently in the nriliialy service, or have beex rvithin the last fi.velve (12) rlrrnths, AND joined afier signing
rhe Nolc and Security Instnrmeirl not in dcf'ault" pleasc notify Sheilpoint Mortgage Servicing immediatcly.
W C'T DEI\4ANI) Rev. l2i2(121
Page 2 of 5 131'i ?10[ 1,],7n 1,1,01 q361, t{0
When contacting Shelipoint ivlortgage Servicing as lcl your nrilitary servicc., yc)u 1llust provide positive proof as
to your military status. Servicernenrtrers irnd depencletrts u,itlt quesiiotrs about tlre SC,ll-A should contact their
unit's .luclge Aclvocare, or their installation's Legal Assistance Olficcr. llot:reorvner counselittg is also available
at agencies such as l\4ilitary Onesource (-rgUlfUnililgr):qLEsprif.-rt9.Idl, 1-ti00-342-9tr;17) arrtl fu'mcd Feirces
l-egal Assistance (http:i/legalas ), and through l-ltiD-certi{red
housing counselors
(http:lapps.hutl.gov/ofliccs/hsgis11yLr"r7Lcs.cfrn). You calr also contrrct Christian Brtrucr toll-fice at
t188242012S, ext. 4987 if you harre questicrns about yorir rights under SCIL\.
For your benefit ancl assistance, there are govemnlent approved homeor'r'trership counseling agencies designed
to help liorneorryners avoid losing tlieir honres. To obtain a list ol'approved trounseling agencies, please call
l-800-569-r128? or visit http:/lapps.hud.gor,/offices/lxg/sflrr'hccihcs.cfm. Yon may also contact the
Flornerlvnership Preservation lroundation's l{o1:e hotline at I -88ti-995-HOPE (46'/3).
This mafter is verJ imporlant. Please give it your immec{iate attetrtion
Sinr:er ely"
Shellpo int Mortgage Servicing
P.O. Box 10826
Greenville, SC 29603
866-B?5-2174
fi+', t J:
lr+J,S
t-ts8&
W_CT_DEI\4AN*I) Rev. 1'2i2(t21
Page 3 of 5 131rr ?10n 1I?n l,l,0q c961, qn
FORECLOSURE MEDIATION NOTICE CIF STATE OF CONNECTICUT
COMMUNITY.BASED RESOURCES SUPERIOR COURT
.JD-CV-1?6 Rev.10-lQ JUDICIAL BRANCH
c.G.s. $s 49-31;. 49-:l1r vwrv.jud.cl.go'/
State of Connecticut Depaftment of Banking Foreclosure Hotling Bulletin
eommunity-Based Rescjurces for Connectidut Homeowners in Foreclosure
Nofe: Assistan ce in multiple languages is available through Connecticut Housing Finance Ailhority (CHFNHUD)-approved
hogsing cottnseling agencies (refer to lhe /rst belouvJ. Ayuda en Espafiol es disponible a travds de agencr'as de conseieria de
vivienda aprobado por CHFNHUD (favor de teferlrse a la lista de abaio).
ce Hotl i n e: 1 -877'47 2-8313
Tol I -free Mortgage Foreclosu re Assista n
Department of Banking Website: www.ct.gov/dob
The lree Foreclosure Hotline is open Monday - Friday 8:00 a.m. to 5:00 p.m. Calls will be retunted within two business days.
Homeowners who are currently a party to a ioreclosure action with time sensitive foreclosure concerns should call the Holline
for assistance. You can also reach lhe Department of Banking by calling 1-80CI-831-7225 {toll.free) or 860'240'8299.
Mortgage Assistance from the Gonnecticut Housing Finance Authority {CHFA}
The Gonnecticut Housing Finance Authority administers the state's Etnergency Mortgage Assistance Program (EMAP)
which was created by the Connecticut General Assembly. EMAP can help eligible homeowners with overdue payments and
provide monthly mortgage assistance. For more information, contact a CHFAJHUD-approved housing counseling agency
(listed below), call CHFA al1-877-571-2432, or visit )d!s&{*h{a-.sr$.
CH FA/HUD-Approved Housing Counselors ;
CHF//HUD-approved housing counselors provide free help to Conneclicut homeowners who are struggling financially and
may be at risk of foreclosure. They can review your budget and try to lind ways to help with your financial issues. They ara
hained in handling FHA and "conventional" loans. and can help you negotiate with your mortgage company or apply 1o CHFA
for an Enrergency. Mortgage Assistance loan. ll a foreclosure case has been filed against you and yott have asked to
participate in ihe Foreclosure Mediation Program, they can help you get ready for nrediation {including lhe Premecliation
meelings with your mediator) and help you submit financial documents to your mortgage company as part oi the mediation
process. CHFTJHUD approved housing counselors welgomo residents from all over Connecticut. You do not need to
go to the agency closest to You.
County CHFA/HUD"Approved Housing Counselhrg Agency Phons
Bridgeporl Neighborhood Trust, 570 State Slreet, Bridgeport 203-2904255
wrwv-bnlvreb.otg
Fairfield
Urban League of $outhern Gonnecticut, lnc', 137 Henry Street, Stantford 203-327-5810
tlww.ll.l.$c,p!s
Neighborhood Housing $ervices of New Britain, 223 Broad Street, New Britairr 860-224-2433
Hartford
vyg\.^/.,nh$nb,otu
New Haven Homeownership Center, lnc., 333 Sherman Avenue, Nerv Haven 203-562-0598
-utwvv.nl$-otre:*:tfi ven,pLs
Capital for Change, lnc., 171 Orange Street. 3rd Floor, New Haven 203"624-7406
New Haven y:t.w.ttsapital[pttltang?.,-o.!3 Extension 1 320
.193
Neighborhood Housing Services of Waterbury, Grand Streel, 3rd Floor, Waterbury 203-753-1 Bg6
utww. tt h Qw A! e 4st t ry,E rg
ADA NOTICE
The Judicial Branch of the State of
Conneclicut complies with the Antericans
rvith Disabilities Act (ADA) lf you need a
reasonable accommodation in accordance
with the ADA, contact a court clerk or an ADA
coniact persorl lisled at wwwjud ct.gov/ADA.
l;rr.;tt
ffi
W C"'T I)I1I\4ANI) Rev. l2i202i
Page 4 ol5 13t q ?10u l,I?0 11,01 1341, qn
Legal Resources
Foreclosure Prevention Clinics: The Connecticut Fair Housing Center. together with Hotnes Saved by Faith, regularly
presents free clinics for hr:meowners facing foreclosure. The clinics ofier information {rom a Center attorney on how to
prepare for court and what resources exist for homeowners. A{ter the presentation, homeowners can discuss their situations
briefly, one-on-one, r,rith an attorney. The clinics are typically on weekday evenings in either Hartford or Fairfield County.
Call 1-888-2474401 or visit WyyW,Ci{ajrhg_r1_si.ng.o_rg for more information on dales and locations.
Judicial Branch Foreclosure Volunteer Attorney Program: Volunteer atiomeys are available to give advice and answer
questions about foreclosr"rre at certain courthouses in the state. Honteowners facing foreclosure throughout Conneclicut are
welcome to attend. Call 800-263-2734 for addiiional infornration, or visit lr$p;lfjus!,p!,ggvjvplu.n-tser*illy*prg.m.hllll.'
Foreclosure Manual for Selt.Represented Homeowners: The Conneclicut Fair Housing Center publishes "Representing
Yourself in Foreclosure: A Guide for Connecticut Homeowners," a free nranual describing the foreclosure and mediation
process for self-represented honreowners, Copies are available fron CHFAJHUD-approved housing counselors, on
www.stiFifhau$-ing.,org, or by calling the Center at 1-888'2474401'
Staiewide Legal Services (SLS): SLS provides {ree legal advice and referrals for callets qualifying for ils services
{guidelines include income limits). Call 1-800-453.3320 or 860-3i14-0380 or visit ww$J,$!.q-Ct glg for more information^
Gourt Serviee Centers: ln certain Superior Court locations, Courl Service Centers provide public access compulers, printers,
fax machines, copiers, phones, and work space for self-represented parties. Refer to www.jud.ct.gsv, and go to the Quick
Links menu on the home page of the Judicial website for: ntore information.
Lawyer Referral Services: County Bar Associations in Connecticut offer referral services ihat introduce homeowners to
lawyers who can answer questions during an initial half-hour consultation. You can send an e-mail with your questions and
availability. Services beyond the 1st half-hour: fee will be at the attorney's uslral fee.
Feefor 1/2 hour
County Phone lit/ebsite Email
Consultation
Fairfield 203.335"41 1 6 s40 ytww.brils--^.p.pttbat.o.ls LRServiceO4 @ya hoo.com
Hartford' 860-s25-81 06 $35 wwv-,haitodbaLus hcba@hartfordbar.org
New Haven 203"562.5750 $35 wu/:wne-w.ha.v,pnbar,org LRS@newhavenbar.org
New London 860{89-9384 $25 w:tw.oLaba..aru newlondoncba@gmail.com
"The Hartford County Bar also cover$ Litchfield, Middlesex, Tolland, and Windham Counties.
How Foreclosure Rescue Scams Work. People in {oreclosure are often the iarget of "foreclosure rescue scams."
Be very careful of non-lawyers who ask you to pay a fee for: counseling, loan rnodificalion, foreclosure prevention, or a
"forensic audit. of your loan documenls, regardless of their promises or claims. Many out-otstate attorneys target
Connecticut residenis: you should never pay attorneys that you do not meet. Conlact the Department of Banking for more
iniormation at 1'877 -47 2-831 3 or visit @.8f9.
Mortgage Crisis Job Training program. The state-funded Mortgage Crisis Job Trairring Program is a projeci of The
WorkPlace, lnc., in parinership wilh the Connecticut Housing Finance Authority (CHFA), Capital Workforce Partners, and
Connecticut's workforce $ystetn. The Program helps honreowners increase their job skilis and eaming potential. lt offers
customized employment services, job haining scholarships, financial literacy, and credit counseling. For information call
1,866,6s3.16st or so to w.-!.yt-v-.!vpfhBlaga.gIgh-1--s-rtgagp':crisig..-ieb--lrcin!n9:&.I-9.9[a-ml.
Financial AsSistance PrOgrams. Connecticut's '12 Community Action Agencies (CAAs) help people meet inrmediate
needs ihrough services such as Eviction and Foreclosure Prevention, energylheating assistance, food pantries, and
weatherization, CAAs also empower people to improve their financial future through employment services, linancial literacy
iraining, and other programs. To locate your local CAA call the Cennecticut Association for Comnrr-tnily Action at
860-832-9438orvisit:wwUr.SalQ,ep"ry/Su[fl e=l-VUA-rl.
For more information on programs for homeowners facing financial distress, review the Department of Banking's nraterials on
V4 M,c-t Soyld=o_b or call 1-877-472"8313. You can also call lnfo line al2-1-1 for resources.
JD-CV-126 Rev, 10"19 Page 2 of 2
W,CT-DEI\4ANI) Rev.12i2021
Page 5 of 5 1f t
'.t
?10n I1,70 1,1,01 :981, trn
a
a.
,l CERTIFI CATION
{:
F
Preview
|., DOCKET NO: TTD-CV-23-60266095 : SUPERIOR COURT a ,/) MILL CITY MORTGAGE LOAN TRUST : J.D. OF TOLLAND 2021-NMRI UJ { Employer: Bendett & McHugh, PC D. Hill, Paralegal l{ n Subscribed and swom to before tne at Farmington, CT, on JUN 3 0 2023 04 \$ & al F F- \o ut Dominick J Commissioner of the Superior Court lrl F c.t Document # 19084965 \c' s732FC-20231189 F L) b0 (o tri |r} {., U) c) c) o ct) rt lt t- {.i q |. p* e0 o. a € C) 'd c.) cn Shellpoint Mongage Strrvicing PRESORT P.O. Box 9103 First-Class Mail Temecula, CA 92589-D'103 U.S. Postage and Fees Pa'd il I llill ] I lr ll ll I I I lll ll II I ll llll ll I ll lll I lll WSO 13l,tt 71,[[ ],1?[ ],L03 31S1, q0 Send Paynents lo: Shellpoint lvlortgaue Servicing RETURN RECEIPT REQUESTED P.O, Box 650840 Dallas, TX 75265-0840 2022'1031-39 Send Gorrespondenceto: Shellpoint Mortgage Servicing P.O. Box 10826 rllp1ll,1l1t,ll1ll1ll,,rrl',,llllllllllllt,lll'l,l1rr11l,lll', Greenville, SC 29603 BRENDA L BOUCHARD ROBERT W MILLER JR 15 CHERRY VALLEY RD coLUMBlA, CT 06237 -1207 ffi W CT DETilAND P.O l-1o\ l()8-1h Gretrrvi lle. SC' 29(i0'l I'hone: S66-325-2 I ?4 l-rr: 8b6-1{r?-l lS? sXrellpc$ffi urrrv.,shcl I point tuls,cclrt Scnt Via Cjerlified lvlail'r'r\'t with Re|urn Receipt 3tl,'t ?t [0 ],1,?l 1,1,03 1181, t{ 0 1{)/}1,2022 BRENDA L BOIJCI.IARD ROBERT W N4ILLER JR 15 CIIERRY VALI-EY RI) COLUMBIA, CT 06237 -1207 LoanNumbert I PropertyAddress: l5 CHERRYVALLEYIID coLLiMBIA,C'r 06237 Dear BRENDA L BOUCHARI) ancl ROBERT W MILLER JR: This letter is lbrrnal notice lry Shellpoint Mortgage Servicing, the Servicer of the above-referencecl loan acting on behalf of MILL CITY MORTGAGE LOAN TRtlST 2021-NMR1 " that you are in delault ulcler the terns of the documents creating and securing your Loan described above. including the Note and Deed of Trust/Mortgage/Secririty Deed ("security Ins(rument"), for iailure to pay the amounts due. You have a right to cure fhe default. To cure the default, you must pay rhe full amount of the defarrlt on this loan try 0110412023 (or if said date fhlls on a Sanrrday, Srinday, or legal holiday, tlten on the first business day thereafter). Fnilurc to curs the default on or before this clate tnay result in trcceleratictn of the snms secured by this Security Inskument and foreclosure or sale of the propeily, As of the clate of this notice, the total amount required to cure the default is $2,093.13, rvhich consists of the following: Next Payment l)ue Date: {)9/01/2022 Total Monthly Payments Due: $2.144.12 0qi01t2022 at $1,072.06 10i01na22 at $ 1.072.06 Late Charges: s226.s5 Corporate Advance Balance: $s7.4i Unapplied Balance: [$i=j4.e5) TOTAL YOU NIUST PAY'I"O CURTI DEITAUI,'t': $2,093.13 Ygu can cure this default by nraking a paymcnl of'$2,0!)3.1-l by 01104120?3. Please note an-y additional monthly palments, late cha.rges ancl olher tirargcs that may bc dne untlcr the Notc, Security lrrslrumenl and applicable law after the clate of this uotice nlust also be paid to brirrg yoLrr ascoultt cul:rent. You trtay corrtact our Loss Mitigation Department at 866-825-2174 to obtain upclatecl paymcnt infonnalicrn. This letter is in n<: rvay intenrled as a payoff staternent for your rrrortgage, it merel.v states an alllount necessary to cure the current defrult. Please include your loan number and property addr ess rvitlt your payment and send to: Shellpoint Mortgage Servicing P.O. Box 650840 I)allas, TX 75265-0840 N:g lF.it3& W_(;T_Dril\4ANI) Rev.12i2021 PageI ol:5 3ll,q ?1,0[ ],1,?n l,l,u1 ci81 qB 0vcrnight: Shel lpoint IM ort ga-uc S ervicing 75 iSeaitie Place Suite 300 Grcenville, SC 29601 if you rvish to tlisputc the delinqucrncy, err iI'you dispute the cllculati'Lln o1'tlttortnt o1'the deiinqn.rncy and reinstatenrent amount, you nmy crtntact us by calling 8()6-825-2174. 'I"o the sxtent your obligation has been dischargcd or is subject to thc autonratic stay in a banliruptcy case, this notice is l'or inlbrnratjonal purposes oul,v and docs rtot cotrstitute a demand fol pa-Yntcnt or an attempt to collet:t a clebt ns youl' personal obligrrtion, If you :rre represented by iur attol"ney, plcase provide us with thc attorney'$ name, address. and tclepholte nttlnbcr. tF YOU ARE UNABLE TO BRING YOIJR ACCOLINT CURRENT, Shel$oint Mortgage Scrvicing offbrs consumer assistance progran')s designed to help resolve delinquencies and avoicl foreclosure. These serviccs are providerl without cost to our custorners. You may be eligible fbr a loan workout plan or other sinrilar altelnative to fbreclosure. lf you r,vnuld like to learn tnore abortt these programs, you lrlay contact Christian Burger at 8882120128, ext. 4987. Monday - Friday 8:00Atvl to 9:00PlVl and Satr.rrday 8:00AM to 1:00PM to tiiscuss possible option,s. You may also visit ou' rvebsite unvw.shellpoirrttntg.cotn. WE ARE VERY INTERESTED IN ASSISTING YOU. Yr:u have the right to reinstate the loan after acceleration and the right to assel't in court the non-existence of a clefault or any other tJeftnse to acceleration and ftrreclosure or sale. If fbreclosure proceedings are undettaken, we may pur$ue a. deficiency judgnent, if perrnitted by applicable law. Failurc to respond to this letter may result in ihe loss of your property. Smergcncy iVlortgage Assistancc Program Please be aclvised that under Section 8-265ee of the Cormecticut Ccneral Statutes, as aulcnded, you have sixty (60) days from the clate of.this letter to: 1) have a face-to-face meeting or telephone conference with Shellpoint lvlortgage Servicing or a face-to-face rneeting r.r,ith a con$unel ctlunseling agency to attelnpt to resolve the delilquency or clela-ult of the above relbrenced moltgage loari by restntcturing the loan payment schedule or otherwise; anci 2) contact the Connecticut Housing h'inance Authority at the address and phone nutnbcr belorv, to obtain information and'app1y for ernergency mortgage assistance payments if you are not able to resolve the nrofigage delinquency or default wilh Slieilpoint Mortgage Servrcirrg, The address and telephone nurnber lor the Clonnecticlrt l'lousing Finance Ar-rthority is 999 West Street, Roclry Hill, Ccrnnecticut 06067, ancl the lelephone nurnber is 1-860-571-3500 or' l-871-S7l-2432. Enciosed is the Notice of Cornmunity-Based Rcsources for Comrecticut Homeowncrs in Foreclosure. Nervrcz LLC dba Shellpoint Nlortgage Servicing is a debt collector. Tlris is aD attempt to collect a debt and any infbrmation obtained will be used lbr that purpose. Nervrez LLC dba Shellpoint lllortgtge Servicing's NI\'ILS lD is 3013. You are notified that this clefault antl an-y other legal acticxr that lnay occlrr as tr rcsult thelclrf may be reported to one or rnore local arrcl national creclit reporting agencies b.'- Shellpoint Mortgage Servicing. Attention Servicemembers and Dependents: Servicemembers on aclive dutv, or a spouse or: dependent of such a servicemember, may be entitled to ccrtnin protections undcr 1he Serrricemenrbers Civil Relief Act ("SCILA") regarding the servicenrernber's inter est rate anil the risk of the foreclosure. SCRA and cefain state iarvs provide itnporlant protections for 1,su, inclucling prohibiting fbreclostre rtnder nrosl cit'cumstances. If you &xe currently in the nriliialy service, or have beex rvithin the last fi.velve (12) rlrrnths, AND joined afier signing rhe Nolc and Security Instnrmeirl not in dcf'ault" pleasc notify Sheilpoint Mortgage Servicing immediatcly. W C'T DEI\4ANI) Rev. l2i2(121 Page 2 of 5 131'i ?10[ 1,],7n 1,1,01 q361, t{0 When contacting Shelipoint ivlortgage Servicing as lcl your nrilitary servicc., yc)u 1llust provide positive proof as to your military status. Servicernenrtrers irnd depencletrts u,itlt quesiiotrs about tlre SC,ll-A should contact their unit's .luclge Aclvocare, or their installation's Legal Assistance Olficcr. llot:reorvner counselittg is also available at agencies such as l\4ilitary Onesource (-rgUlfUnililgr):qLEsprif.-rt9.Idl, 1-ti00-342-9tr;17) arrtl fu'mcd Feirces l-egal Assistance (http:i/legalas ), and through l-ltiD-certi{red housing counselors (http:lapps.hutl.gov/ofliccs/hsgis11yLr"r7Lcs.cfrn). You calr also contrrct Christian Brtrucr toll-fice at t188242012S, ext. 4987 if you harre questicrns about yorir rights under SCIL\. For your benefit ancl assistance, there are govemnlent approved homeor'r'trership counseling agencies designed to help liorneorryners avoid losing tlieir honres. To obtain a list ol'approved trounseling agencies, please call l-800-569-r128? or visit http:/lapps.hud.gor,/offices/lxg/sflrr'hccihcs.cfm. Yon may also contact the Flornerlvnership Preservation lroundation's l{o1:e hotline at I -88ti-995-HOPE (46'/3). This mafter is verJ imporlant. Please give it your immec{iate attetrtion Sinr:er ely" Shellpo int Mortgage Servicing P.O. Box 10826 Greenville, SC 29603 866-B?5-2174 fi+', t J: lr+J,S t-ts8& W_CT_DEI\4AN*I) Rev. 1'2i2(t21 Page 3 of 5 131rr ?10n 1I?n l,l,0q c961, qn FORECLOSURE MEDIATION NOTICE CIF STATE OF CONNECTICUT COMMUNITY.BASED RESOURCES SUPERIOR COURT .JD-CV-1?6 Rev.10-lQ JUDICIAL BRANCH c.G.s. $s 49-31;. 49-:l1r vwrv.jud.cl.go'/ State of Connecticut Depaftment of Banking Foreclosure Hotling Bulletin eommunity-Based Rescjurces for Connectidut Homeowners in Foreclosure Nofe: Assistan ce in multiple languages is available through Connecticut Housing Finance Ailhority (CHFNHUD)-approved hogsing cottnseling agencies (refer to lhe /rst belouvJ. Ayuda en Espafiol es disponible a travds de agencr'as de conseieria de vivienda aprobado por CHFNHUD (favor de teferlrse a la lista de abaio). ce Hotl i n e: 1 -877'47 2-8313 Tol I -free Mortgage Foreclosu re Assista n Department of Banking Website: www.ct.gov/dob The lree Foreclosure Hotline is open Monday - Friday 8:00 a.m. to 5:00 p.m. Calls will be retunted within two business days. Homeowners who are currently a party to a ioreclosure action with time sensitive foreclosure concerns should call the Holline for assistance. You can also reach lhe Department of Banking by calling 1-80CI-831-7225 {toll.free) or 860'240'8299. Mortgage Assistance from the Gonnecticut Housing Finance Authority {CHFA} The Gonnecticut Housing Finance Authority administers the state's Etnergency Mortgage Assistance Program (EMAP) which was created by the Connecticut General Assembly. EMAP can help eligible homeowners with overdue payments and provide monthly mortgage assistance. For more information, contact a CHFAJHUD-approved housing counseling agency (listed below), call CHFA al1-877-571-2432, or visit )d!s&{*h{a-.sr$. CH FA/HUD-Approved Housing Counselors ; CHF//HUD-approved housing counselors provide free help to Conneclicut homeowners who are struggling financially and may be at risk of foreclosure. They can review your budget and try to lind ways to help with your financial issues. They ara hained in handling FHA and "conventional" loans. and can help you negotiate with your mortgage company or apply 1o CHFA for an Enrergency. Mortgage Assistance loan. ll a foreclosure case has been filed against you and yott have asked to participate in ihe Foreclosure Mediation Program, they can help you get ready for nrediation {including lhe Premecliation meelings with your mediator) and help you submit financial documents to your mortgage company as part oi the mediation process. CHFTJHUD approved housing counselors welgomo residents from all over Connecticut. You do not need to go to the agency closest to You. County CHFA/HUD"Approved Housing Counselhrg Agency Phons Bridgeporl Neighborhood Trust, 570 State Slreet, Bridgeport 203-2904255 wrwv-bnlvreb.otg Fairfield Urban League of $outhern Gonnecticut, lnc', 137 Henry Street, Stantford 203-327-5810 tlww.ll.l.$c,p!s Neighborhood Housing $ervices of New Britain, 223 Broad Street, New Britairr 860-224-2433 Hartford vyg\.^/.,nh$nb,otu New Haven Homeownership Center, lnc., 333 Sherman Avenue, Nerv Haven 203-562-0598 -utwvv.nl$-otre:*:tfi ven,pLs Capital for Change, lnc., 171 Orange Street. 3rd Floor, New Haven 203"624-7406 New Haven y:t.w.ttsapital[pttltang?.,-o.!3 Extension 1 320 .193 Neighborhood Housing Services of Waterbury, Grand Streel, 3rd Floor, Waterbury 203-753-1 Bg6 utww. tt h Qw A! e 4st t ry,E rg ADA NOTICE The Judicial Branch of the State of Conneclicut complies with the Antericans rvith Disabilities Act (ADA) lf you need a reasonable accommodation in accordance with the ADA, contact a court clerk or an ADA coniact persorl lisled at wwwjud ct.gov/ADA. l;rr.;tt ffi W C"'T I)I1I\4ANI) Rev. l2i202i Page 4 ol5 13t q ?10u l,I?0 11,01 1341, qn Legal Resources Foreclosure Prevention Clinics: The Connecticut Fair Housing Center. together with Hotnes Saved by Faith, regularly presents free clinics for hr:meowners facing foreclosure. The clinics ofier information {rom a Center attorney on how to prepare for court and what resources exist for homeowners. A{ter the presentation, homeowners can discuss their situations briefly, one-on-one, r,rith an attorney. The clinics are typically on weekday evenings in either Hartford or Fairfield County. Call 1-888-2474401 or visit WyyW,Ci{ajrhg_r1_si.ng.o_rg for more information on dales and locations. Judicial Branch Foreclosure Volunteer Attorney Program: Volunteer atiomeys are available to give advice and answer questions about foreclosr"rre at certain courthouses in the state. Honteowners facing foreclosure throughout Conneclicut are welcome to attend. Call 800-263-2734 for addiiional infornration, or visit lr$p;lfjus!,p!,ggvjvplu.n-tser*illy*prg.m.hllll.' Foreclosure Manual for Selt.Represented Homeowners: The Conneclicut Fair Housing Center publishes "Representing Yourself in Foreclosure: A Guide for Connecticut Homeowners," a free nranual describing the foreclosure and mediation process for self-represented honreowners, Copies are available fron CHFAJHUD-approved housing counselors, on www.stiFifhau$-ing.,org, or by calling the Center at 1-888'2474401' Staiewide Legal Services (SLS): SLS provides {ree legal advice and referrals for callets qualifying for ils services {guidelines include income limits). Call 1-800-453.3320 or 860-3i14-0380 or visit ww$J,$!.q-Ct glg for more information^ Gourt Serviee Centers: ln certain Superior Court locations, Courl Service Centers provide public access compulers, printers, fax machines, copiers, phones, and work space for self-represented parties. Refer to www.jud.ct.gsv, and go to the Quick Links menu on the home page of the Judicial website for: ntore information. Lawyer Referral Services: County Bar Associations in Connecticut offer referral services ihat introduce homeowners to lawyers who can answer questions during an initial half-hour consultation. You can send an e-mail with your questions and availability. Services beyond the 1st half-hour: fee will be at the attorney's uslral fee. Feefor 1/2 hour County Phone lit/ebsite Email Consultation Fairfield 203.335"41 1 6 s40 ytww.brils--^.p.pttbat.o.ls LRServiceO4 @ya hoo.com Hartford' 860-s25-81 06 $35 wwv-,haitodbaLus hcba@hartfordbar.org New Haven 203"562.5750 $35 wu/:wne-w.ha.v,pnbar,org LRS@newhavenbar.org New London 860{89-9384 $25 w:tw.oLaba..aru newlondoncba@gmail.com "The Hartford County Bar also cover$ Litchfield, Middlesex, Tolland, and Windham Counties. How Foreclosure Rescue Scams Work. People in {oreclosure are often the iarget of "foreclosure rescue scams." Be very careful of non-lawyers who ask you to pay a fee for: counseling, loan rnodificalion, foreclosure prevention, or a "forensic audit. of your loan documenls, regardless of their promises or claims. Many out-otstate attorneys target Connecticut residenis: you should never pay attorneys that you do not meet. Conlact the Department of Banking for more iniormation at 1'877 -47 2-831 3 or visit @.8f9. Mortgage Crisis Job Training program. The state-funded Mortgage Crisis Job Trairring Program is a projeci of The WorkPlace, lnc., in parinership wilh the Connecticut Housing Finance Authority (CHFA), Capital Workforce Partners, and Connecticut's workforce $ystetn. The Program helps honreowners increase their job skilis and eaming potential. lt offers customized employment services, job haining scholarships, financial literacy, and credit counseling. For information call 1,866,6s3.16st or so to w.-!.yt-v-.!vpfhBlaga.gIgh-1--s-rtgagp':crisig..-ieb--lrcin!n9:&.I-9.9[a-ml. Financial AsSistance PrOgrams. Connecticut's '12 Community Action Agencies (CAAs) help people meet inrmediate needs ihrough services such as Eviction and Foreclosure Prevention, energylheating assistance, food pantries, and weatherization, CAAs also empower people to improve their financial future through employment services, linancial literacy iraining, and other programs. To locate your local CAA call the Cennecticut Association for Comnrr-tnily Action at 860-832-9438orvisit:wwUr.SalQ,ep"ry/Su[fl e=l-VUA-rl. For more information on programs for homeowners facing financial distress, review the Department of Banking's nraterials on V4 M,c-t Soyld=o_b or call 1-877-472"8313. You can also call lnfo line al2-1-1 for resources. JD-CV-126 Rev, 10"19 Page 2 of 2 W,CT-DEI\4ANI) Rev.12i2021 Page 5 of 5 1f t '.t ?10n I1,70 1,1,01 :981, trn a a. ,l CERTIFI CATION {: F