On August 23, 2021 a
Exhibit,Appendix
was filed
involving a dispute between
Lake Shore Savings Bank,
and
Cole Underwood,
for Real Property - Mortgage Foreclosure - Residential
in the District Court of Chautauqua County.
Preview
FILED: CHAUTAUQUA COUNTY CLERK 08/23/2021 11:22 AM INDEX NO. EK12021001209
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 08/23/2021
Shore Savings
In Lake
March 1, 2021
Cole Underwood
342 ½ Central Avenue
. Silver Creek, NY 14136
RE: Loan #0321012745
Amount Past Due: $4,611.48
. Dear Cole:
I have tried to reach you by telephone and have been unsuccessful. Your mortgage loan
referenced above is severely delinquent, currently at 210 days past due and your loan
is in default. The past due amount referenced above reflects the partial August
payment, September 2020 through March 2021 payments plus late charges.
Enclosed is a Covid-19 Hardship Declaration for you to sign and return if your income
has been affected by the pandemic. It just states that a foreclosure action cannot happeñ
until after May 1, 2021. After this date, the amount that is past due will still have to be
paid to avoid a foreclosure action from starting. I have also enclosed a Borrower
Questionnaire for you to fill out and return as well. It will help us figure out what might
be available to help bring your loan current.
I urge you to contact me as soon as possible to discuss a possible repayment plan. You
should try to pay something on your loan each month to avoid further delinquency.
You can reach me at 716-366-4070 ext. 0334.
Regards,
Debbie Farrar
Collections Manager
FILED: CHAUTAUQUA COUNTY CLERK 08/23/2021 11:22 AM INDEX NO. EK12021001209
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 08/23/2021
LS Lake Shore Savings
April 21, 2021
Cole Underwood
36 Wescott St
Jamestown, NY 14701
RE: Loan #0321012745
Amount Past Due: $5,216.39
Dear Cole:
I have tried to reach you by telephone and have been unsuccessful. Your mortgage loan
referenced above is severely delinquent, currently at 260 days past due and your loan
is in default. The past due amount referenced above reflects the partial August
Payment, September 2020 through April 2021 payments plus late charges.
Enclosed is a Covid-19 Hardship Declaration for you to sign and return if your income
has been affected by the pandemic. It just states that a foreclosure action cannot happen
until after May 1, 2021. After this date, the amount that is past due will still have to be
paid to avoid a foreclosure action from starting. I have also enclosed a Borrower
Questionnaire for you to fill out and return as well. It will help us figure out what might
be available to help bring your loan current.
I urge you to contact to Chautauqua Opportunities Inc. in Dunkirk to see if they offer
any help for homeowners for past due mortgages due to Covid-19. The phone number to
call is 716-366-8176.
If you are interested in setting up a repayment plan to bring loan current, you can reach
me at 716-366-4070 ext. 0334.
To save your home, it is very important to seek help as soon as possible.
Regards,
Debbie Farrar
Collections Manager
Cor.per.a4e Office I 31 East Fourth Street Dunkirk, NY 14048 (716) 366-4070 I 1 (800) 336-6116 oresa n
FILED: CHAUTAUQUA COUNTY CLERK 08/23/2021 11:22 AM INDEX NO. EK12021001209
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 08/23/2021
Lake Shore Savings
CERTIFT a n u - L a
Service™
U.S. Postal
CERTIFIED MAIL®
May 17, 2021 m
iT®
RECElPT
Domestic Mail Only
W Cole Underwood .s - .. . ... .
.. 36 Wescott St m CertifiedMallFee
Jamestown, NY 14701 a s
Re: Loan # 0321012745
° O==w *
© Amount Past Due $5,814.46 0
ru
Postage
Past Due Principal $501.66 s
Totd Postageand Fees
Past Due Interest $1,038.78
"°
Escrow Owing $4,236.40 to ,,t
Late Charges $37.62 m:æsm -----·------------
Dear Cole:
The above loan is severely delinquent, currently at 286 days past due. At this time Lake
Shore Savings demands that this loan be brought current by June 17, 2021. If we do not
receive the entire past due e=é--st of $5,814.46, this loan will be turned over to Peter
Muth, Esq. to institute foreclosure action. The past due amount referenced above reflects
the 8-1-2020 through 5-1-2021 payments plus late charges.
The Department of Housing and Urban Development offers counseling for
homeowners whose mortgage loans have become delinquent. This counseling could
help you to avoid foreclosure, and you are urged to seek it. To fnd a home-
owñérship counseling agency near you, please call 1-800-569-4287.
Please note that if foreclosure action is taken, the attorney fees are the responsibility of the
borrower. You may reach me at 716-366-4070 ext. 0334.
Regards,
Debbie Farrar, Collections Manager
Lake Shore Savings Bank
Via Certified & Regular mail
FILED: CHAUTAUQUA COUNTY CLERK 08/23/2021 11:22 AM INDEX NO. EK12021001209
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 08/23/2021
5 Complete items 1, 2, and 3. A.
m Print your name and address on the reuse
X CJ
so that we can retum the card to you.
u Attach this card to the back of the mallplece, a Reces by Frfnted C. Db of DelNety
or on the front If space permits. d tf f Zo ' 24
1. Article Addisssâd to: D. Is delivery addrainsdÑferentfrom item f? O Yes
If YES, enter delivery address below: O No
3. Service lype O PHodtyManExpmse9
111111111111111111111111IIl11111110111111111
°E855-- aliE::--
9590 MenRestddedDenmy O for
9402 6019 0069 5488 79 a
PS Form 3811, July 2015 PSN 7530-02-000-9053 Domestic Retum Receipt
Document Filed Date
August 23, 2021
Case Filing Date
August 23, 2021
Category
Real Property - Mortgage Foreclosure - Residential
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Preview
FILED: CHAUTAUQUA COUNTY CLERK 08/23/2021 11:22 AM INDEX NO. EK12021001209 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 08/23/2021 Shore Savings In Lake March 1, 2021 Cole Underwood 342 ½ Central Avenue . Silver Creek, NY 14136 RE: Loan #0321012745 Amount Past Due: $4,611.48 . Dear Cole: I have tried to reach you by telephone and have been unsuccessful. Your mortgage loan referenced above is severely delinquent, currently at 210 days past due and your loan is in default. The past due amount referenced above reflects the partial August payment, September 2020 through March 2021 payments plus late charges. Enclosed is a Covid-19 Hardship Declaration for you to sign and return if your income has been affected by the pandemic. It just states that a foreclosure action cannot happeñ until after May 1, 2021. After this date, the amount that is past due will still have to be paid to avoid a foreclosure action from starting. I have also enclosed a Borrower Questionnaire for you to fill out and return as well. It will help us figure out what might be available to help bring your loan current. I urge you to contact me as soon as possible to discuss a possible repayment plan. You should try to pay something on your loan each month to avoid further delinquency. You can reach me at 716-366-4070 ext. 0334. Regards, Debbie Farrar Collections Manager FILED: CHAUTAUQUA COUNTY CLERK 08/23/2021 11:22 AM INDEX NO. EK12021001209 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 08/23/2021 LS Lake Shore Savings April 21, 2021 Cole Underwood 36 Wescott St Jamestown, NY 14701 RE: Loan #0321012745 Amount Past Due: $5,216.39 Dear Cole: I have tried to reach you by telephone and have been unsuccessful. Your mortgage loan referenced above is severely delinquent, currently at 260 days past due and your loan is in default. The past due amount referenced above reflects the partial August Payment, September 2020 through April 2021 payments plus late charges. Enclosed is a Covid-19 Hardship Declaration for you to sign and return if your income has been affected by the pandemic. It just states that a foreclosure action cannot happen until after May 1, 2021. After this date, the amount that is past due will still have to be paid to avoid a foreclosure action from starting. I have also enclosed a Borrower Questionnaire for you to fill out and return as well. It will help us figure out what might be available to help bring your loan current. I urge you to contact to Chautauqua Opportunities Inc. in Dunkirk to see if they offer any help for homeowners for past due mortgages due to Covid-19. The phone number to call is 716-366-8176. If you are interested in setting up a repayment plan to bring loan current, you can reach me at 716-366-4070 ext. 0334. To save your home, it is very important to seek help as soon as possible. Regards, Debbie Farrar Collections Manager Cor.per.a4e Office I 31 East Fourth Street Dunkirk, NY 14048 (716) 366-4070 I 1 (800) 336-6116 oresa n FILED: CHAUTAUQUA COUNTY CLERK 08/23/2021 11:22 AM INDEX NO. EK12021001209 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 08/23/2021 Lake Shore Savings CERTIFT a n u - L a Service™ U.S. Postal CERTIFIED MAIL® May 17, 2021 m iT® RECElPT Domestic Mail Only W Cole Underwood .s - .. . ... . .. 36 Wescott St m CertifiedMallFee Jamestown, NY 14701 a s Re: Loan # 0321012745 ° O==w * © Amount Past Due $5,814.46 0 ru Postage Past Due Principal $501.66 s Totd Postageand Fees Past Due Interest $1,038.78 "° Escrow Owing $4,236.40 to ,,t Late Charges $37.62 m:æsm -----·------------ Dear Cole: The above loan is severely delinquent, currently at 286 days past due. At this time Lake Shore Savings demands that this loan be brought current by June 17, 2021. If we do not receive the entire past due e=é--st of $5,814.46, this loan will be turned over to Peter Muth, Esq. to institute foreclosure action. The past due amount referenced above reflects the 8-1-2020 through 5-1-2021 payments plus late charges. The Department of Housing and Urban Development offers counseling for homeowners whose mortgage loans have become delinquent. This counseling could help you to avoid foreclosure, and you are urged to seek it. To fnd a home- owñérship counseling agency near you, please call 1-800-569-4287. Please note that if foreclosure action is taken, the attorney fees are the responsibility of the borrower. You may reach me at 716-366-4070 ext. 0334. Regards, Debbie Farrar, Collections Manager Lake Shore Savings Bank Via Certified & Regular mail FILED: CHAUTAUQUA COUNTY CLERK 08/23/2021 11:22 AM INDEX NO. EK12021001209 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 08/23/2021 5 Complete items 1, 2, and 3. A. m Print your name and address on the reuse X CJ so that we can retum the card to you. u Attach this card to the back of the mallplece, a Reces by Frfnted C. Db of DelNety or on the front If space permits. d tf f Zo ' 24 1. Article Addisssâd to: D. Is delivery addrainsdÑferentfrom item f? O Yes If YES, enter delivery address below: O No 3. Service lype O PHodtyManExpmse9 111111111111111111111111IIl11111110111111111 °E855-- aliE::-- 9590 MenRestddedDenmy O for 9402 6019 0069 5488 79 a PS Form 3811, July 2015 PSN 7530-02-000-9053 Domestic Retum Receipt