Preview
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296
NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023
EXHIBIT E
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296
NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023
Reqtiested
Receipt
Mail
Certified
Return
NNNN
Association 13367-1814
44101-4968
KE5EFER
National
h OH-01-51-4002
94968
NY
KeyBank OH LOWVILLE,
Cleveland, D
Box
KeyBank
P.O.
A
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296
NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023
KeyBank OT
KeyBank National Association
Certified Mail
cleveland. on 44101-4968 Return Receipt Requested
December 19, 2022
NNNN
CARLA D KEEFER
5509 RIVER ST
I OWVILLE, NY 13367-1814
Re: Account Number ending in:
Property Address: 5509 RIVER ST
LOWVILLE NY 13367
Dear CARLA D KEEFER,
"YOU MAY BE AT RISK OF FORECLOSURE. PLEASE READ THE
CAREFULLY"
FOLLOWING NOTICE
"As of December 19, 2022, your home loan is 33 days and 532.70 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. 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 1-866-325-9653 and ask to discuss possible options.
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296
NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023
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 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 (https://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 until a 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 been commenced against you.
Sincerely,
Real Estate Default Department
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296
NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023
Requested
Mail Receipt
Certified
Retum
Association 4
'
8
44101-4968 13367-I
National KEEFER
h OH-01-51-4002
94968 ST
NY
KeyBank OH LOWVILLE,
RINTR
Cleveland,
Box
KeyBank
DAVID
P.O. 5509
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296
NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023
KeyBank h
KeyBank Nmional Associat ion
Certified Mail
cleveland. o= 44101-4968 Return Receipt Requested
December 19, 2022
NNNN
DAVID KF.EFER
5509 RIVER ST
LOWVlLLE, NY 13367-1814
Re: Account Number ending in:
Property Address: 5509 RIVER ST
LOWVILLE NY 13367
Dear DAVID KEEFER,
"YOU MAY BE AT RISK OF FORECLOSURE. PLEASE READ THE
CAREFULLY"
FOLLOWING NOTICE
"As of December 19, 2022, your home loan is 33 days and 532.70 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 (l-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. Qualified
free belp 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 1-866-325-9653 and ask to discuss possible options.
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296
NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023
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 have.
l f 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 (l -800-342-3736) or visit the Department's
website at (https://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 until a 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 been commenced against you.
Sincerely,
Real Estate Default Department
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296
NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023
Mail
Class
First
NNNN
Association 13367-1814
44101-4968
Chir
National KEEFER
NY
OH-01-51-4002
94968 RIVERST
KeyBank OH LOWVII.I.E,
Cleveland,
KeyBank
Box
DAVID
P.O. 5509
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296
NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023
KeyBank
hyBank National Association
FirSl ClaSS Mail
011-01-51-4002
P.O. Box 94968
Cleveland, OH 44101-4968
December 19, 2022
NNNN
DAVID KEEFER
5509 RIVER ST
LOWVILLE, NY 13367-1814
Re: Account Number ending in:
Property Address: 5509 RIVER ST
LOWVILLE NY 13367
Dear DAVID KEEFER,
"YOU MAY BE AT RISK OF FORECLOSURE. PLEASE READ THE
CAREFULLY"
FOLLOWING NOTICE
"As of December 19, 2022, your home loan is 33 days and 532.70 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. 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 1-866-325-9653 and ask to discuss possible options.
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296
NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023
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 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 (https://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 until a 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 been commenced against you.
Sincerely,
Real Estate Default Department
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296
NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023
Mail
Class
First
NNNN
Association 13367-1814
44101-4968
KEEFER
National
h OH-01-51-4002
94968 ST
NY
KeyBank OH LOWVILLE,
RIVER
Cleveland, D
KeyBank
Box
CARLA
P.O. 5509
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296
NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023
KeyBank h
Keyl3ank National Association
PirSt ClaSS Mail
OH-01-51-4002
P.O. Box 94968
Cleveland, OH 44101-4968
December 19, 2022
NNNN
CARLA D KEEFER
5509 RIVER ST
LOWVILLE, NY 13367-1814
Re: Account Number ending in:
Property Address: 5509 RIVER ST
LOWVILLE NY 13367
Dear CARLA D KEEFER,
"YOU MAY BE AT RISK OF FORECLOSURE. PLEASE READ THE
CAREFULLY"
FOLLOWING NOTICE
"As of December 19, 2022, your home loan is 33 days and 532.70 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. 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 1-866-325-9653 and ask to discuss possible options.
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296
NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023
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 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 (https://www.dfs.ny.gov).
TMPORTANT: 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 until a 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 been commenced against you.
Sincerely,
Real Estate Default Department
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296
NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023
LIST OF HOUSING
AGENCIES
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296
NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023
New York State Non-Profit Housing Counseling Agencies Providing Services
to Homeowners in Default and Foreclosure -Statewide Listing by County
Compiled by the Empire Justice Center (Updated May 7, 2018)
COUNTY AGENCY ADDRESS CONTACTINFO NOTES
Albany Affordable Housing 255 Orange St., 518-434-1730 HOPP
Partnership Albany, NY 12210
Also serves
surrounding areas
Albany County Rural 24 Martin Road, 518-765-2425 HOPP
Housing Alliance Voorheesville,
Also serves
NY 12186
surrounding areas
United Tenants of 255 Orange St. 518-436-8997 HOPP
Albany Albany, NY 12210
For tenants whose
buildings are in the
process of foreclosure
or have been foreclosed
On
Better 120 Emmons St., 518-372-6469 HOPP
Neighborhoods. Inc. Schenectady, NY .
Spamsh speaking staff
12304
available
Allegany ACCORD 84 Schuyler St., 585-268-7605 HOPP
Belmont, NY 14813
Neighborhood 1937 South Park 716-823-3630 Also serving
Housing Services of Ave Buffalo, surrounding counties
Buffalo NY 14220
Bronx The Bronx 1451 East Gun Hill 718-881-1180 HOPP
Neighborhood Housing Rd., Bronx. NY 10469 Spanish speaking staff
Services CDC. Inc available
MHANY I Metro Tech Center 718-246-8080 ext HOPP
Management. Inc. North l ith Floor, 203
Spanish, Italian,
Brooklyn.
Greck. and Haitian
NY 11201
Creole speaking staff
available
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296
NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023
Housing and Family 415 Albemarle Rd.. 718-435-7585 HOPP
Services of Greater Brooklyn. NY 11218
Spanish, Russian.
New York, Inc.
Cantonese.
Mandann. Patois.
Haitian Creole, and
French Creole
speaking staff
available. Translatio n
Service available
Grow Brooklyn, Inc. 1474 Myrtle Ave., 718-418-8232 ext. HOPP
Brooklyn, NY I1237 2060
Spanish speaking staff
available
Neighborhood 307 West 36th 929-268-3790 Spanish speaking staff
Housing Sen,ices Street, 12th available
NYC Floor, New York, NY
10018
Foreclosure
Department:
2475 Westchester
Avenue, Bronx, NY
10461
NYC Commission on 1932 Arthur 718-579-6728 Spanish speaking staff
Human Rights Avenue, Room availabic
OR
203A, Bronx, NY
10457 718-579-6900
Broome Metro Interfaith 21 New St, 607-772-6766 HOPP
Housing M
Preview
FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296 NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023 EXHIBIT E FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296 NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023 Reqtiested Receipt Mail Certified Return NNNN Association 13367-1814 44101-4968 KE5EFER National h OH-01-51-4002 94968 NY KeyBank OH LOWVILLE, Cleveland, D Box KeyBank P.O. A FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296 NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023 KeyBank OT KeyBank National Association Certified Mail cleveland. on 44101-4968 Return Receipt Requested December 19, 2022 NNNN CARLA D KEEFER 5509 RIVER ST I OWVILLE, NY 13367-1814 Re: Account Number ending in: Property Address: 5509 RIVER ST LOWVILLE NY 13367 Dear CARLA D KEEFER, "YOU MAY BE AT RISK OF FORECLOSURE. PLEASE READ THE CAREFULLY" FOLLOWING NOTICE "As of December 19, 2022, your home loan is 33 days and 532.70 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. 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 1-866-325-9653 and ask to discuss possible options. FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296 NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023 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 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 (https://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 until a 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 been commenced against you. Sincerely, Real Estate Default Department FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296 NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023 Requested Mail Receipt Certified Retum Association 4 ' 8 44101-4968 13367-I National KEEFER h OH-01-51-4002 94968 ST NY KeyBank OH LOWVILLE, RINTR Cleveland, Box KeyBank DAVID P.O. 5509 FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296 NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023 KeyBank h KeyBank Nmional Associat ion Certified Mail cleveland. o= 44101-4968 Return Receipt Requested December 19, 2022 NNNN DAVID KF.EFER 5509 RIVER ST LOWVlLLE, NY 13367-1814 Re: Account Number ending in: Property Address: 5509 RIVER ST LOWVILLE NY 13367 Dear DAVID KEEFER, "YOU MAY BE AT RISK OF FORECLOSURE. PLEASE READ THE CAREFULLY" FOLLOWING NOTICE "As of December 19, 2022, your home loan is 33 days and 532.70 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 (l-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. Qualified free belp 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 1-866-325-9653 and ask to discuss possible options. FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296 NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023 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 have. l f 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 (l -800-342-3736) or visit the Department's website at (https://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 until a 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 been commenced against you. Sincerely, Real Estate Default Department FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296 NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023 Mail Class First NNNN Association 13367-1814 44101-4968 Chir National KEEFER NY OH-01-51-4002 94968 RIVERST KeyBank OH LOWVII.I.E, Cleveland, KeyBank Box DAVID P.O. 5509 FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296 NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023 KeyBank hyBank National Association FirSl ClaSS Mail 011-01-51-4002 P.O. Box 94968 Cleveland, OH 44101-4968 December 19, 2022 NNNN DAVID KEEFER 5509 RIVER ST LOWVILLE, NY 13367-1814 Re: Account Number ending in: Property Address: 5509 RIVER ST LOWVILLE NY 13367 Dear DAVID KEEFER, "YOU MAY BE AT RISK OF FORECLOSURE. PLEASE READ THE CAREFULLY" FOLLOWING NOTICE "As of December 19, 2022, your home loan is 33 days and 532.70 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. 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 1-866-325-9653 and ask to discuss possible options. FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296 NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023 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 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 (https://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 until a 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 been commenced against you. Sincerely, Real Estate Default Department FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296 NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023 Mail Class First NNNN Association 13367-1814 44101-4968 KEEFER National h OH-01-51-4002 94968 ST NY KeyBank OH LOWVILLE, RIVER Cleveland, D KeyBank Box CARLA P.O. 5509 FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296 NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023 KeyBank h Keyl3ank National Association PirSt ClaSS Mail OH-01-51-4002 P.O. Box 94968 Cleveland, OH 44101-4968 December 19, 2022 NNNN CARLA D KEEFER 5509 RIVER ST LOWVILLE, NY 13367-1814 Re: Account Number ending in: Property Address: 5509 RIVER ST LOWVILLE NY 13367 Dear CARLA D KEEFER, "YOU MAY BE AT RISK OF FORECLOSURE. PLEASE READ THE CAREFULLY" FOLLOWING NOTICE "As of December 19, 2022, your home loan is 33 days and 532.70 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. 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 1-866-325-9653 and ask to discuss possible options. FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296 NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023 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 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 (https://www.dfs.ny.gov). TMPORTANT: 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 until a 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 been commenced against you. Sincerely, Real Estate Default Department FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296 NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023 LIST OF HOUSING AGENCIES FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296 NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023 New York State Non-Profit Housing Counseling Agencies Providing Services to Homeowners in Default and Foreclosure -Statewide Listing by County Compiled by the Empire Justice Center (Updated May 7, 2018) COUNTY AGENCY ADDRESS CONTACTINFO NOTES Albany Affordable Housing 255 Orange St., 518-434-1730 HOPP Partnership Albany, NY 12210 Also serves surrounding areas Albany County Rural 24 Martin Road, 518-765-2425 HOPP Housing Alliance Voorheesville, Also serves NY 12186 surrounding areas United Tenants of 255 Orange St. 518-436-8997 HOPP Albany Albany, NY 12210 For tenants whose buildings are in the process of foreclosure or have been foreclosed On Better 120 Emmons St., 518-372-6469 HOPP Neighborhoods. Inc. Schenectady, NY . Spamsh speaking staff 12304 available Allegany ACCORD 84 Schuyler St., 585-268-7605 HOPP Belmont, NY 14813 Neighborhood 1937 South Park 716-823-3630 Also serving Housing Services of Ave Buffalo, surrounding counties Buffalo NY 14220 Bronx The Bronx 1451 East Gun Hill 718-881-1180 HOPP Neighborhood Housing Rd., Bronx. NY 10469 Spanish speaking staff Services CDC. Inc available MHANY I Metro Tech Center 718-246-8080 ext HOPP Management. Inc. North l ith Floor, 203 Spanish, Italian, Brooklyn. Greck. and Haitian NY 11201 Creole speaking staff available FILED: LEWIS COUNTY CLERK 11/09/2023 10:47 AM INDEX NO. EFCA2023-000296 NYSCEF DOC. NO. 26 RECEIVED NYSCEF: 11/09/2023 Housing and Family 415 Albemarle Rd.. 718-435-7585 HOPP Services of Greater Brooklyn. NY 11218 Spanish, Russian. New York, Inc. Cantonese. Mandann. Patois. Haitian Creole, and French Creole speaking staff available. Translatio n Service available Grow Brooklyn, Inc. 1474 Myrtle Ave., 718-418-8232 ext. HOPP Brooklyn, NY I1237 2060 Spanish speaking staff available Neighborhood 307 West 36th 929-268-3790 Spanish speaking staff Housing Sen,ices Street, 12th available NYC Floor, New York, NY 10018 Foreclosure Department: 2475 Westchester Avenue, Bronx, NY 10461 NYC Commission on 1932 Arthur 718-579-6728 Spanish speaking staff Human Rights Avenue, Room availabic OR 203A, Bronx, NY 10457 718-579-6900 Broome Metro Interfaith 21 New St, 607-772-6766 HOPP Housing M