Preview
FILED: ERIE COUNTY CLERK 08/08/2023 02:25 PM INDEX NO. 805833/2022
NYSCEF DOC. NO. 46 RECEIVED NYSCEF: 08/08/2023
Exhibit E
{53 18969: }
FILED: ERIE COUNTY CLERK 08/08/2023 02:25 PM INDEX NO. 805833/2022
Representation Of Printed Document
NYSCEF DOC. NO. 46 RECEIVED NYSCEF: 08/08/2023
M&T Bank
March 07, 2022
3-750-16476-0000008-001-1-000-000-000-000
lgi Inll pu glplig|npigpilglup| II|hpppgillplipl|
CODY J NICHOLS
8497 HEATH RD
COLDEN NY 14033-9701
Loan Number:
Property Address: 8497 HEATH ROAD
COLDEN NY 14033
Dear Mortgage Customer(s):
This shall serve as formal notice by M&T Bank that a default has occurred under the terms of the Note and
Mortgage/Deed of Trust secured by the property referenced above. Specifically, the payments on this Note
have not been made as agreed.
You have the right to cure the default. To cure this default, the amount of the default on tbis loan must be
paid by April 11, 2022, which is not less than 35 days from the date of this letter.
As of the date of this letter, the total amount that must be paid to cure the default is $5,348.66, which
includes the amount of missed and any late charges,
payments, advances, or other charges incurred to date.
Payments, late charges, and other charges that may vary day to day will continue to accrue, and therefore
the total amount of the default on the day it is paid may be greater. Please contact our Single Point of
Contact Team at 1-800-724-1633 to obtain updated payment information.
To avoid the possibility of acceleration, you must pay the total amount due to M&T Bank at the address
listed below. Please include the loan number on the check or money order, and in any correspondence.
Payments shall be sent to:
M&T Bank
P.O. Box 62182
Baltimore, MD 21264
Please note, however, that the right to cure this default, as referenced in this letter, does not suspend any
payment obligations under the Note. Pursuant to the terms of the Note, the next installment payment is still
due for September 01, 2021.
The failure to cure the default on or before April 11, 2022 may result in the acceleration of the sums
secured by your Security Instrument without further demand. Additionally, foreclosure proceedings may be
commenced, which may result in sale of the Property.
Please See Reverse Side
Payment Processing: P.O. Box 62182, Baltimore, MD 21264-2182
Notices of Error or information Requests: M&T Bank, P.O. Box 62986, Baltimore, MD 21264-2986
Mortgage account information: 1800 7241633, just a click away at mtb.com.
FILED: ERIE COUNTY CLERK 08/08/2023 02:25 PM INDEX NO. 805833/2022
NYSCEF DOC. NO. 46 RECEIVED NYSCEF: 08/08/2023
You have the right to reinstate your loan after acceleration and the right to assert in the foreclosure
proceeding the non-existence of a default or any other defense you may have to the acceleration and
foreclosure.
To the extent allowed by law and the terms of your mortgage contract, M&T Bank shall be entitled to
collect all expenses incurred in pursuing the remedies provided in your Mortgage/Deed of Trust. These
expenses may include reasonable attorney's fees and other costs relating to the default and the foreclosure.
Please refer to your loan documents or consult an attorney concerning the rights and obligations you have
in connection with the default des cribed above.
If the account cannot be brought current, M&T Bank offers consumer assistance programs designed to help
resolve defaults and avoid foreclosure. If you would like to learn more about these programs, you may
contact us at 1-800-724-1633 during the hours listed below.
HUD Counseling: For additional assistance, the United States Department of Housing and Urban
Development (HUD), which is a government agency, sponsors housing counseling agencies throughout the
country that can provide you advice on foreclosure alternatives, budgetary issues, and even assistance with
understanding this notice. There is no fee for this service. If you would like assistance, you can contact a
HUD-approved housing counselor by calling 1-800-569-4287 or you can reach the HOPE Hotline number
at 1-888-995-HOPE. You may also visit the HUD website at http://www.hud.gov/counseling.
duty"
Attention Servicemembers and Dependents: Service members on "active or "active service", or a
spouse or dependent of such a service member may be entitled to certain legal protections and debt relief
pursuant to the Servicemembers Civil Relief Act (SCRA). If you are entitled to or have questions as to
whether you are entitled to legal protections under the SCRA, please go to
www.militaryonesource.com/scra or call 1-800-342-9647 to find out more information. You can also
contact us at 1-800-724-1633 if you have any questions about your rights under SCRA.
Sincerely,
M&T Bank
Homeowner Assistance Center
Hours: Mon.-Thur. 8am-9pm; Friday 8am-5pm Saturday 8am-12pm EST
Phone: 1-800-724-1633
Fax: 1-855-678-0866
M&T Bank is attempting to collect a debt and any information obtained will be used for that purpose. 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 correspondence is for compliance or informational purposes only
and does not constitute an attempt to collect a debt or to impose personal liability for such obligation.
However, M&T Bank retains rights under its security instrument, including the right to foreclose its lien.
XD801
Preview
FILED: ERIE COUNTY CLERK 08/08/2023 02:25 PM INDEX NO. 805833/2022 NYSCEF DOC. NO. 46 RECEIVED NYSCEF: 08/08/2023 Exhibit E {53 18969: } FILED: ERIE COUNTY CLERK 08/08/2023 02:25 PM INDEX NO. 805833/2022 Representation Of Printed Document NYSCEF DOC. NO. 46 RECEIVED NYSCEF: 08/08/2023 M&T Bank March 07, 2022 3-750-16476-0000008-001-1-000-000-000-000 lgi Inll pu glplig|npigpilglup| II|hpppgillplipl| CODY J NICHOLS 8497 HEATH RD COLDEN NY 14033-9701 Loan Number: Property Address: 8497 HEATH ROAD COLDEN NY 14033 Dear Mortgage Customer(s): This shall serve as formal notice by M&T Bank that a default has occurred under the terms of the Note and Mortgage/Deed of Trust secured by the property referenced above. Specifically, the payments on this Note have not been made as agreed. You have the right to cure the default. To cure this default, the amount of the default on tbis loan must be paid by April 11, 2022, which is not less than 35 days from the date of this letter. As of the date of this letter, the total amount that must be paid to cure the default is $5,348.66, which includes the amount of missed and any late charges, payments, advances, or other charges incurred to date. Payments, late charges, and other charges that may vary day to day will continue to accrue, and therefore the total amount of the default on the day it is paid may be greater. Please contact our Single Point of Contact Team at 1-800-724-1633 to obtain updated payment information. To avoid the possibility of acceleration, you must pay the total amount due to M&T Bank at the address listed below. Please include the loan number on the check or money order, and in any correspondence. Payments shall be sent to: M&T Bank P.O. Box 62182 Baltimore, MD 21264 Please note, however, that the right to cure this default, as referenced in this letter, does not suspend any payment obligations under the Note. Pursuant to the terms of the Note, the next installment payment is still due for September 01, 2021. The failure to cure the default on or before April 11, 2022 may result in the acceleration of the sums secured by your Security Instrument without further demand. Additionally, foreclosure proceedings may be commenced, which may result in sale of the Property. Please See Reverse Side Payment Processing: P.O. Box 62182, Baltimore, MD 21264-2182 Notices of Error or information Requests: M&T Bank, P.O. Box 62986, Baltimore, MD 21264-2986 Mortgage account information: 1800 7241633, just a click away at mtb.com. FILED: ERIE COUNTY CLERK 08/08/2023 02:25 PM INDEX NO. 805833/2022 NYSCEF DOC. NO. 46 RECEIVED NYSCEF: 08/08/2023 You have the right to reinstate your loan after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense you may have to the acceleration and foreclosure. To the extent allowed by law and the terms of your mortgage contract, M&T Bank shall be entitled to collect all expenses incurred in pursuing the remedies provided in your Mortgage/Deed of Trust. These expenses may include reasonable attorney's fees and other costs relating to the default and the foreclosure. Please refer to your loan documents or consult an attorney concerning the rights and obligations you have in connection with the default des cribed above. If the account cannot be brought current, M&T Bank offers consumer assistance programs designed to help resolve defaults and avoid foreclosure. If you would like to learn more about these programs, you may contact us at 1-800-724-1633 during the hours listed below. HUD Counseling: For additional assistance, the United States Department of Housing and Urban Development (HUD), which is a government agency, sponsors housing counseling agencies throughout the country that can provide you advice on foreclosure alternatives, budgetary issues, and even assistance with understanding this notice. There is no fee for this service. If you would like assistance, you can contact a HUD-approved housing counselor by calling 1-800-569-4287 or you can reach the HOPE Hotline number at 1-888-995-HOPE. You may also visit the HUD website at http://www.hud.gov/counseling. duty" Attention Servicemembers and Dependents: Service members on "active or "active service", or a spouse or dependent of such a service member may be entitled to certain legal protections and debt relief pursuant to the Servicemembers Civil Relief Act (SCRA). If you are entitled to or have questions as to whether you are entitled to legal protections under the SCRA, please go to www.militaryonesource.com/scra or call 1-800-342-9647 to find out more information. You can also contact us at 1-800-724-1633 if you have any questions about your rights under SCRA. Sincerely, M&T Bank Homeowner Assistance Center Hours: Mon.-Thur. 8am-9pm; Friday 8am-5pm Saturday 8am-12pm EST Phone: 1-800-724-1633 Fax: 1-855-678-0866 M&T Bank is attempting to collect a debt and any information obtained will be used for that purpose. 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 correspondence is for compliance or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. However, M&T Bank retains rights under its security instrument, including the right to foreclose its lien. XD801