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  • M&T Bank v. Cody J. Nichols, Manufacturers And Traders Trust CompanyReal Property - Mortgage Foreclosure - Residential document preview
  • M&T Bank v. Cody J. Nichols, Manufacturers And Traders Trust CompanyReal Property - Mortgage Foreclosure - Residential document preview
  • M&T Bank v. Cody J. Nichols, Manufacturers And Traders Trust CompanyReal Property - Mortgage Foreclosure - Residential document preview
  • M&T Bank v. Cody J. Nichols, Manufacturers And Traders Trust CompanyReal Property - Mortgage Foreclosure - Residential document preview
  • M&T Bank v. Cody J. Nichols, Manufacturers And Traders Trust CompanyReal Property - Mortgage Foreclosure - Residential document preview
  • M&T Bank v. Cody J. Nichols, Manufacturers And Traders Trust CompanyReal Property - Mortgage Foreclosure - Residential document preview
  • M&T Bank v. Cody J. Nichols, Manufacturers And Traders Trust CompanyReal Property - Mortgage Foreclosure - Residential document preview
  • M&T Bank v. Cody J. Nichols, Manufacturers And Traders Trust CompanyReal Property - Mortgage Foreclosure - Residential document preview
						
                                

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FILED: ERIE COUNTY CLERK 08/08/2023 02:25 PM INDEX NO. 805833/2022 NYSCEF DOC. NO. 47 RECEIVED NYSCEF: 08/08/2023 Exhibit F {53 18969: } FILED: ERIE COUNTY CLERK 08/08/2023 02:25 PM INDEX NO. 805833/2022 Representation Of Printed Document NYSCEF DOC. NO. 47 RECEIVED NYSCEF: 08/08/2023 a ° Bank °.o o os4o 6-750-02201-0000410-001-1-100-000-000-000 CODY J NICHOLS 8497 HEATH ROAD COLDEN NY 14033 FILED: ERIE COUNTY CLERK 08/08/2023 02:25 PM INDEX NO. 805833/2022 6-750-02201-0000410-D01-2-100-o00-o00-000 Representation Of Printed Document NYSCEF DOC. NO. 47 RECEIVED NYSCEF: 08/08/2023 M&TBank August 24, 2021 CODY J NICHOLS 8497 HEATH ROAD COLDEN NY 14033 Re: Mortgage Number: Property Address: 8497 HEATH ROAD COLDEN NY 14033 Dear Mortgage Customer(s): YOU MAY BE AT RISK OF FORECLOSURE. PLEASE READ THE FOLLOWING NOTICE CAREFULLY As of August 23, 2021, your home loan is 53 days, and $1,465.90 dollars in default. Under New York State Law, we are required to send you this notice to inform you that you are at risk of losing your home. Attached to this notice is a list of government approved housing counseling agencies in your area which provide free counseling. You can also call the NYS Office of the Attorney General's Homeowner Protection Program (HOPP) toll-free consumer hotline to be connected to free housing counseling services in your area at 1-855-HOME-456 (1-855-466-3456), or visit their website at http://www.aghomehelp.com/. A statewide listing by county is also available at http://www.dfs.ny.gov/consumer/mortg_nys_np_counseling_agencies.htm. Peyment Processing: P.O. Box 62182, Bardmore MD 21264 2182 Notices of Error or information Requests: M&T Bank, P.O.Box 62986, Baltimore, MD 21264-2986 Mortgage account information: 1800 724 1633, just a click away at mtb.com. FILED: ERIE COUNTY CLERK 08/08/2023 02:25 PM INDEX NO. 805833/2022 6-750-02201-D000410-001-3-100-000-000.000 Representation of Printed Document NYSCEF DOC. NO. 47 RECEIVED NYSCEF: 08/08/2023 Qualified free help is available; watch out for companies or people who charge a fee for these services. Housing counselors from New York-based agencies listed on the website above are trained to help homeowners who are having problems making their mortgage payments and can help you find the best option for your situation. if you wish, you may also contact us directly at 1-800-724-1633 and ask to discuss possible options. While we cannot assure that a mutually agreeable resolution is possible, we encourage you to take immediate steps to try to achieve a resolution. The longer you wait, the fewer options you may have. If you have not taken any actions to resolve this matter within 90 days from the date this notice was mailed, we may commence legal action against you (or sooner if you cease to live in the dwelling as your primary residence). If you need further information, please call the New York State Department of Services' Financial toll-free helpline at 1-800-342-3736 or visit the Department's website at www.dfs.ny.gov. IMPORTANT: You have the right to remain in your home until you receive a court order telling you to leave the property. If a foreclosure action is filed against you in court, you still have the right to remain in the home untii the court orders you to leave. You legally remain the owner of and are responsible for the property until the property is sold by you or by order of the court at the conclusion of any foreclosure proceedings. This notice is not an eviction notice, and a foreclosure action has not yet been commenced against you. Sincerely, M&T Bank Homeowner Assistance Center Hours: Mon.-Thurs. 8am-9pm; Friday 8am-5pm; Saturday 8am-12pm EST. Phone: 1-800-724-1633 Fax: 1-855-678-0866 XS131 FILED: ERIE COUNTY CLERK 08/08/2023 02:25 PM INDEX NO. 805833/2022 6-750-02201-0000410-001-4-100-000-000-000 Representation Of Printed Document NYSCEF DOC. NO. 47 RECEIVED NYSCEF: 08/08/2023 New York State Non-Profit Housing Counseling Agencies Providing Services to Homeowners in Default and Foreclosure - Statewide Listing by County Compiled by the Empi e justice Center (Updated May 7, 2018) COUNTY AGENCY ADDRESS i CONTACT INFO NOTES Albany (Affordable Housing Partnership 255 Orange St., Albany, NY 518-434-1730 HOPP 12210 Also serves surrounding areas Albany County Rural Housing 24 Martin Road, 518-765-2425 HOPP Alliance Voorheesville, NY 12186 Also serves surrounding areas United Tenants of Albany 255 Orange St., Albany, NY 518-436-8997 HOPP 12210 For tenants whose buildings are in the process of foreclosure or have been foreclosed on Better Neighborhoods, Inc. 120 Emmons St., 518-372-6469 HOPP Schenectady, NY 12304 Spanish speaking staff available Allegany ACCORD 84 Schuyler St., Belmont, NY 585-268-7605 HOPP 14813 Neighborhood Housing Services 1937 South Park Ave. Buffalo, 716-823-3630 Also serving of Buffalo NY 14220 surrounding counties FILED: ERIE COUNTY CLERK 08/08/2023 02:25 PM INDEX NO. 805833/2022 6-750-02201-0000410-001-5.-100-000-000-000 Representation Of Printed Document NYSCEF DOC. NO. 47 RECEIVED NYSCEF: 08/08/2023 Bronx The Bronx Neighborhood 1451 East Gun Hill Rd., Bronx, 718-881-1180 Housing Services CDC, Inc. NY 10469 HOPP Spanish speaking staff available MHANY Management, Inc. 1 Metro Tech Center North 718-246-8080 HOPP 11th Floor, Brooklyn, NY ext 203 Spanish, Italian, 11201 Greek, and Haitian Creole speaking staff available Housing and Family Services of 415 Albemarle Rd., Brooklyn, 718-435-7585 HOPP Greater New York, Inc. NY 11218 Spanish, Russian, Cantonese, Mandarin, Patois, Haitian Creole, and French Creole speaking staff available. Translation Service available Grow B ooklyn, In . 147 I lyrtle Ave., Broold , 718-418-8232 HOPP NY 11237 ext. 2060 staff available Neighborhood Housing Services 307 West 36th Street, 12th 929-268-3790 Spanish speaking NYC Floor, New York, NY 10018 staff available Foreclosure Department: 2475 Westchester Avenue, Bronx, NY 10461 NYC Commission on Human 1932 Arthur Avenue, Room Spanish speaking Rights 203A, Bronx, NY 10457 staW avaHawe 718-579-6728 . . OR ......-----. . . .. .... .. . 718-579-6900 Broome Metro Interfaith Housing 21 New St-, Binghamton, NY 607-772-6766 HOPP Management Corp. 13903 Cattaraugus Chautauqua Opportunities, Inc. 402 Chandler St., amestown, 716-661-9430 HOPP NY 14701 ACCORD 84 Schuyler St., Belmont, NY 585-268-7605 HOPP . ... . .. . . ... . . .. . 14813 Neighborhood Housing Services 1937 South Park Ave., Buffalo, 716-823-3630 of South Buffalo NY 14220 FILED: ERIE COUNTY CLERK 08/08/2023 02:25 PM INDEX NO. 805833/2022 6-750-02201-0000410-001-6-100-000-000-000 Representation Of Printed Document NYSCEF DOC. NO. 47 RECEIVED NYSCEF: 08/08/2023 Cayuga Home Headquarters, Inc. 538 Erie Blvd West, Syracuse 315-474-1939 HOPP NY 13204 Spanish speaking staff available Clearpoint, A division of Money 5794 Widewaters Parkway, 713.394.3232 Management International Syracuse, NY 13214 Chautauqua Chautauqua Opportunities, Inc. 402 Chandler St., Jamestown, 716-661-9430 HOPP NY 14701 Chautauqua Home 2 Academy St., Mayville, NY 716-753-4650 Spanish speaking Rehabilitation and Improvement 14757 staff available Corp. (CH RIC) Neighborhood Housing Services 1937 South Park Ave., Buffalo, 716-823-3630 of South Buffalo NY 14220 Chemung Arbor Housing and Development 26 Bridge St., Corning, NY 607-654-7487 HOPP 14830 Catholic Charities of Chemung 215 East Church St., Suite 607-734-9784 i HOPP 101, Elmira, NY 14901 Chenango Metro Interfaith NY 607-772-2766 i HOPP Housing 21 New St., Binghamton, Management Corp. 13903 Clinton Friends of the North Country 1 Mill St., Keeseville, NY 518-834-9606 HOPP 12944 Housing Assistance Program of 103 Hand Ave., 518-873-6888 HOPP Essex County (HAPEC) Elizabethtown, NY 12932 Columbia !Galvan Housing Resources 252 Columbia St., Hudson, NY 518-822-0707 HOPP 12534 Cortland Home Headquarters, Inc. 538 Erie Blvd West, Syracuse 315-474-1939 HOPP NY 13204 . Spanish speaking j staff available Cortland Housing Assistance 36 Taylor St. Cortland, NY 607-753-8271 Council, Inc. 13045 Delaware Western Catskills Community 125 Main St., Suite A, 607-652-2823 HOPP Revitilization Council Stamford, NY 12167 RUPCO 301 Fair St. Kingston, NY 845-331-9860 HOPP 12401 Spanish speaking staff available Delaware Opportunities, Inc. 35430 State Hgwy. 10 607-746-1650 Hamden, NY 13782 Dutchess Hudson River Housing 291 Mill St Poughkeepsie, NY 845-454-9288 HOPP 12601 Putnam County Housing Corp. 11 Seminary Hill Rd., Carmel, 845-225-8493 HOPP j NY 10512 Serving Southern section of county FILED: ERIE COUNTY CLERK 08/08/2023 02:25 PM INDEX NO. 805833/2022 6-750-02201-0000410-001-7-100-o00-o00-o00 Representation Of Printed Document NYSCEF DOC. NO. 47 RECEIVED NYSCEF: 08/08/2023 Erie Belmont Housing Resources 1195 Main St. Buffalo, NY 716-884-7791 HOPP 14209 """"""""H" " huanium mum mil Imi- -- West Side NHS, inc. 359 Connecticut St., Buffalo, Tuesdays and HOPP NY 14213 Wednesdays at (716) 885- 2344, Thursdays and Fridays at (716) 877- __..---._.......-..---..__....____ _......__.-----........---__ 391-0__.,_.,____ _____...._._ Buffalo Urban League 15 Genesee Street (716) 250-2400 HOPP Buffalo, NY 14203 Chautauqua Opportunities, Inc. 402 Chandler St., Jamestown, 716-661-9430 H OPP NY 14701 Consumer Credit Counseling 40 Gardenville Parkway, Suite HOPP Services of Buffalo, Inc. 300, West Seneca, NY 14224 1-800-926-9685 or 716-712-2060 Neighborhood Assistance 135 Delaware Ave Ste 102 716-834-6222 Corp. of America Buffalo, New York 14202- . ....... . ............. ... ..........._. 2410 Neighborhood Housing Services 1937 South Park Ave., Buffalo, 716-823-3630 of South Buffalo NY 14220 Essex Friends of the North Country 1 Mill St., Keeseville, NY 518-834-9606 HOPP 12944 Housing Assistance Program of 103 Hand Ave., 518-873-6888 HOPP . .. --.... Essex County (HAPEC) Elizabethtown, NY 12932 Franklin Friends of the North Country 1 Mill St., Keeseville, NY 518-834-9606 HOPP 12944 Housing Assistance Program of 103 Hand Ave., 518-873-6888 HOPP Essex County (HAPEC) Elizabethtown, NY 12932 Franklin County Community 337 West Main St. Malone, 518-483-5934 HOPP Housing Council Inc. NY 12953 !Clearpoint, a division of Money 215 Washington St. Suite 005, 713.394.3232 Management International Watertown, NY 13 601 . Fulton Better Neighborhoods, Inc. 120 Emmons St., 518-372-6469 HOPP Schenectady, NY 12304 Spanish speaking staff available UNHS NeighborWorks 1611Genesee Street, Utica, 1315-724-4197 HOPP Homeownership Center NY 13501 FILED: ERIE COUNTY CLERK 08/08/2023 02:25 PM INDEX NO. 805833/2022 6-750-02201-0000410-001-8-100-000-000-000 Representation Of Printed Document NYSCEF DOC. NO. 47 RECEIVED NYSCEF: 08/08/2023 Genesee Consumer Credit Counseling 1000 University Ave., Suite 1-888-724-2227 HOPP Services of Rochester, Inc. 900, Rochester, NY 14607 Belmont Housing Resources 1195 Main St., Buffalo, NY 716-884-7791 HOPP 14209 Consumer Credit Counseling 40 Gardenville Parkway, Suite Services of Buffalo, inc. 300, West Seneca, NY 14224 1-800-926-9685 or . . .. . 716-712-2060 Greene Albany County Rural Housing 24 Martin Road, 518-765-2425 HOPP Alliance Voorheesville, NY 12186 RUPCO 301 Fair St. Kingston, NY 845-331-9860 HOPP 12401 Spanish speaking staff available Western Catskills Community 125 Main St., Suite A, 607-652-2823 HOPP Revitilization Council Stamford, NY 12167 Hamilton Housing Assistance Program of 103 Hand Ave., 518-873-6888 HOPP Essex County (HAPEC) Flizabethtown, NY 12932 Herkimer UNHS NeighborWorks 1611 Genesee Street, Utica, 315-724-4197 HOPP Homeownership Center NY 13501 Jefferson Home Headquarters, Inc. 538 Erie Blvd West, Syracuse 315-474-1939 HOPP NY 13204 Spanish speaking staff available Clearpoint, a division of Money 215 Washington St. Suite 005, 713.394.3232 . Management International Watertown, NY 13601 FILED: ERIE COUNTY CLERK 08/08/2023 02:25 PM INDEX NO. 805833/2022 6-750-02201-0000410-001-9-100-000-000-000 Representation Of Printed Document NYSCEF DOC. NO. 47 RECEIVED NYSCEF: 08/08/2023 Kings Cypress Hills Local Dev. Corp. Main Office: 625 Jamaica 718-647-8100 Avenue, Brooklyn, NY 11208 Housing Counseling Division: HOPP 3214 Fulton Street, Brooklyn, NY 11208 Spanish and French speaking staff available IMPACCT Brooklyn 1000 Dean St., Suite 420, 718-522-2613 HOPP Brooklyn, NY 11238 . Spanish speaking . staff available Grow Brooklyn, Inc. 1474 Myrtle Ave., Brooklyn, 718-418-8232 HOPP NY 11237 . Spanish speaking staff available |Bridge Street Dev. Corp. 460 Nostrand Ave., Brooklyn, 718-636-7596 HOPP NY11216 . Spanish speaking staff available MHANY Management, Inc. 1 Metro Tech Center North, 718-246-8080 HOPP 11th Floor, Brooklyn, NY 11201 Spanish, Italian, Greek, and Haitian Creole speaking staff available Neighbors I elping Neighbors 621 Degraw St., Brooklyn, NY 718-237-2017 HOP (NHN) 11217 Japanese speaking staff available FILED: ERIE COUNTY CLERK 08/08/2023 02:25 PM INDEX NO. 805833/2022 6-750-02201-0000410-001-10-100-000-000.000 Representation Of Printed Document NYSCEF DOC. NO. 47 RECEIVED NYSCEF: 08/08/2023 Housing and Family Services of 415 Albemarle Rd., Brooklyn, 718-435-7585 HOPP Greater New York, Inc. NY 11218 Spanish, Russian, Cantonese, Mandarin, Patois, French Creole, and Haitian Creole speaking staff available. Translation Service available .---.------.---- ---... ---.- 1012 Gates Ave., 2nd Floor, 718-919-2100 HOPP