Preview
FILED: OSWEGO COUNTY CLERK 03/26/2024 04:11 PM INDEX NO. EFC-2024-0493
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/26/2024
4
FILED: OSWEGO COUNTY CLERK 03/26/2024 04:11 PM INDEX NO. EFC-2024-0493
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/26/2024
PennyMac Loan Services, LLC PRESORT
PO Box 9109 First-Class Mail
Temecula, CA 92589-9109 U.S. Postage and
Fees Paid
WSO
2383510608
Send Payments to:
PennyMac Loan Services, LLC
PO Box 30597
Los Angeles, CA 90030-0597
20230921-189
Send Correspondence to:
PennyMac Loan Services, LLC
PO Box 514387
Los Angeles, CA 90051-4387
SCOTT LOUGH
11 BARNES ST
PHOENIX, NY 13135
NY NOl{FC}
FILED: OSWEGO COUNTY CLERK 03/26/2024 04:11 PM INDEX NO. EFC-2024-0493
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/26/2024
PENNYMAC~
Notice Date: 09/21/2023
P.O. Box 514387 Sent Via First Class Mail
Los Angeles, CA 90051-4387
SCOTT LOUGH
11 BARNES ST rope y ress:
PHOENIX, NY 13135 11 BARNES ST
PHOENIX, NY 13135
NOTICE OF DEFAULT AND INTENT TO ACCELERATE
ABOUT YOUR LOAN
This letter is formalnotice by PennyMac Loan Services, LLC (herein as "PennyMac") that you are in default
under the terms of the documents creating and securing your Loan described above, including the Note and
Deed of Trust/Mortgage/Security Deed ("Security Instrument"), for failure to pay the amounts due.
WHY YOU RECEIVED THIS NOTICE
The loan is due for 08/01/2023 and subsequent payments, plus late charges, and/or any escrow balance,
fees and costs. As of today, the total delinquency and reinstatement amount is $2,865.33, which consists of
the following:
Next Payment Due Date: 08/01/2023
Total Monthly Payments Due: $2,836.20
2 @ $1,418.10
Late Charges: $29.13
Other Charges: Uncollected NSF Fees: $0.00
Property Preservation Fees: $0.00
Property Inspection Fees: $0.00
Appraisals\Broker Price Opinion Fees: $0.00
Bankruptcy Fees: $0.00
Short Payment Advance: $0.00
Unapplied Balance: ($0.00)
TOTAL YOU MUST PAY TO CURE DEFAULT: $2,865.33
Toll-Free: (866) 545-9070 Website: www.PennyMac.com Payments: General Correspondence:
M-F 6:00 AM - 6:00 PM PT Secure Messaging Online: Standard Address: Attn: CorrespondenceUnit
Sat 7:00 AM - 11:00AM PT Createan account and/or log in to P.O. Box 30597 P.O. Box514387
Toll-Free Fax: (866) 577-7205 http://www.PennyMac.com, Los Angeles, CA 90030-0597 Los Angeles, CA 90051-4387
then look for the Secured Message Overnight Address: (Pleasedonotsendpayments)
Centerto communicatewith us securely. Attn: LockboxOperations
Notice of Error and
20500 BelshawAve
Information Request
Carson, CA 90746
(Pleasedonotsendcorrespondence) Address:
Attn: CorrespondenceUnit
PO Box950002
Fort Worth, TX 76155-9802
(Pleasedonotsendpayments)
NY_NOI-230 01-2021
Page I of 4 2383510608
FILED: OSWEGO COUNTY CLERK 03/26/2024 04:11 PM INDEX NO. EFC-2024-0493
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/26/2024
ACTION REQUIRED
It is possible that after payment of the amounts detailed above there may be other fees still due and
owing, including but not limited to other fees, escrow advances or corporate advances that
PennyMac paid on your behalf or advanced to your account.
This letter is a formal demand to pay $2,865.33. If the default, together with additional payments that
subsequently become due, is not cured by 10/26/2023, the sums secured by the Security Instrument may be
accelerated, and PennyMac may invoke any remedies provided for in the Note and Security Instrument,
including but not limited to the foreclosure sale of the property.
IF YOU ARE UNABLE TO BRING YOUR ACCOUNT CURRENT, PennyMac offers consumer assistance
programs designed to help resolve delinquencies and avoid FORECLOSURE. These services are provided
without cost to our customers. You may be eligible for a loan workout plan or other similar alternatives. If
you would like
to learn more about these programs, you may contact the Loss Mitigation Department at
1-866-545-9070, 6:00 AM - 6:00 PM PT Monday through Friday and 7:00 AM - 11:00 AM PT Saturday. WE
ARE VERY INTERESTED IN ASSISTING YOU.
The default above can be cured by payment of the total delinquency and reinstatement amount plus any
additional payments and fees that become due by 10/26/2023 Note that in addition to the regular monthly
payments, additional charges, costs and fees may become due during the period between today's date and
the date the aforementioned payments are due. You may contact our Collection Department at
1-866-545-9070 to obtain updated payment information.
Please include your loan number and property address with your payment and send to:
PennyMac Loan Services, LLC
P.O. Box 30597
Los Angeles, CA 90030-0597
Or Overnight
PennyMac Loan Services, LLC
Attn: Lockbox Operations
20500 Belshaw Ave
Carson, CA 90746
IMPORTANT INFORMATION
TO THE EXTENT YOUR OBLIGATION HAS BEEN DISCHARGED OR IS SUBJECT TO THE AUTOMATIC
STAY IN A BANKRUPTCY PROCEEDING, THIS NOTICE IS FOR INFORMATIONAL PURPOSES ONLY
AND DOES NOT CONSTITUTE A DEMAND FOR PAYMENT OR AN ATTEMPT TO COLLECT AN
INDEBTEDNESS AS YOUR PERSONAL OBLIGATION. IF YOU ARE REPRESENTED BY AN
ATTORNEY, PLEASE PROVIDE US WITH THE ATTORNEY'S NAME, ADDRESS AND TELEPHONE
NUMBER.
" If you wish to dispute the delinquency, or if you dispute the calculation of amount of the delinquency and
reinstatement amount, you may contact us by calling 1-866-545-9070.
"cure"
" You may have the right to or reinstate the loan after acceleration, and the right to assert in a
foreclosure proceeding, or to bring a court action to assert the non-existence of a default or any other
defense to acceleration or foreclosure sale. Failure to respond to this letter may result in the loss of your
property. To the extent your obligation has been discharged or is subject to the automatic
stay in a
bankruptcy case, this notice is for informational purposes only and does not constitute a demand for
payment or an attempt to collect a debt as your personal obligation. If you are represented by an
attorney, please provide us with the attorney's name, address and telephone number.
" Attention Servicemembers and Dependents: Servicemembers on active duty, or a spouse or
dependent of such a servicemember, may be entitled to certain protections under the Servicemembers
Civil Relief Act ("SCRA") regarding the servicemember's interest rate and the risk of foreclosure. SCRA
NY_NOI-230 01-2021
Page 2 of 4 238353,0608
FILED: OSWEGO COUNTY CLERK 03/26/2024 04:11 PM INDEX NO. EFC-2024-0493
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/26/2024
and certain state laws provide important protections for you, including prohibiting foreclosure under most
circumstances. If you are currently in the military service, or have been within the last 12 months, AND
joined after signing the Note and Security Instrument now in default, please contact PennyMac
immediately. When contacting PennyMac as to your military service, you must provide positive proof as
to your military status. Servicemembers and dependents with questions about the SCRA should contact
their unit's Judge Advocate, or their installation's Legal Assistance Officer. Homeowner counseling is
also available at agencies such as Military OneSource (www.militaryonesource.mil; 1-800-342-9647) and
Armed Forces Legal Assistance (http://leqalassistance.law.af.mil), and through HUD-certified housing
counselors (http://www.hud.gov/offices/hsq/sfh/hcc/hcs.cfm). You can also contact us toll-free at
1-866-545-9070 if you have questions about your rights under SCRA.
" If you are experiencing financial difficulty, you should know that there are several options available to
you that may help you keep your home. You may contact a government approved housing counseling
agency which provides free or low-cost housing counseling. You should consider contacting one of these
agencies immediately. These agencies specialize in helping homeowners who are facing financial
difficulty. Housing counselors can help you assess your financial condition and work with us to explore
the possibility of modifying your loan, establishing an easier payment plan for you, or even working out a
period of loan forbearance. For your benefit and assistance, there are government approved
homeownership counseling agencies designed to help homeowners avoid losing their homes. To obtain
a list of approved
counseling agencies, please call 1-800-569-4287 or visit
http://www.hud.qov/offices/hsq/sfh/hcc/hes.cfm.
" You contact the Preservation Foundation's Hope hotline at 1-888- 995-HOPE
may Homeownership
(4673). If you wish, you may also contact us directly at 1-866-545-9070 and ask to discuss possible
options or visit our website www.PennyMac.com.
" Pursuant to your loan documents, PennyMac may enter upon and conduct an inspection of your
property. The purposes of such an inspection are to (i) observe the physical condition of your property,
and (ii) verify that the property is occupied and/or (iii) determine the identity of the occupant. If you do
not cure the default prior to the inspection, other actions to protect the mortgagee's interest in the
property (including, but not limited to, winterization, securing the property, and valuation services) may
be taken. The costs of the above described inspections and property preservation efforts will be
charged to your account as provided in your security instrument.
" PennyMac is attempting to collect a debt, and any information obtained will be used for that
purpose.
You are notified that this default and any other legal action that may occur as a result thereof may be
reported to one or more local and national credit reporting agencies by PennyMac.
" If your loan is currentlybeing evaluated for a loan modification, forbearance or other loan assistance
solution, this notice will
no_t cancel or delay that evaluation process. However, it is important that you
promptly respond to all requests made in connection with your evaluation for a loan assistance solution,
including all requests for you to contact us and any documentation required. If you do not comply with
these requests in a timely manner, it may cause your loan to enter the foreclosure process as indicated
in this notice. If your loan is not eligible for a loan assistance program, please note this letter will
continue to serve as notice of our right to initiate foreclosure.
QUESTIONS? CONTACT US
If you have any questions, please call a Loan Specialist at 1-866-545-9070. Our office hours are 6:00 AM to
6:00 PM (PST) Monday through Friday, 7:00 AM to 11:00 AM (PST) on Saturday.
NEW YORK residents: This collection agency is licensed by the New York City Department of Consumer
Affairs, License Numbers 1294096 and 1467388. This collection agency is licensed by the City of Buffalo,
License Number 551910.
E
NY_NOI-230 01-2021
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FILED: OSWEGO COUNTY CLERK 03/26/2024 04:11 PM INDEX NO. EFC-2024-0493
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/26/2024
In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. section 1692 et seq., debt collectors are prohibited from engaging in
abusive, deceptive, and unfair debt collection efforts, including but not limited to: (i) the use or threat of violence; (ii) the use of obscene or
profane language; and (iii) repeated phone calls made with the intent to annoy, abuse, or harass.
NEW YORK - if a creditor or debt collector receives a money judgment against you in court, state and federal laws prevent the following types
of income from being taken to pay the debt: 1) Supplemental security income (SSI); 2) Social security; 3) Public assistance (welfare); 4)
Workers'
Spousal support, maintenance (alimony) or child support; 5) Unemployment benefits; 6) Disability benefits; 7) compensation benefits;
Veterans'
8) Public or private pensions; 9) benefits; 10) Federal student loans, federal student grants, and federal work study funds; and 11)
Ninety percent of your wages or salary earned in the last sixty days. PennyMac Loan Services, LLC is registered with the Superintendent of the
New York State Department of Financial Services (Department). You may obtain further information or file a complaint by calling the
Department's Consumer Assistance Unit at 1-800-342-3736 or by visiting www.dfs.ny.gov.
NORTH CAROLINA - Licensed by the North Carolina Office of the Commissioner of Banks. Complaints regarding the servicing of your
mortgage may be submitted to the Office of the Commissioner of Banks, 316 W. Edenton Street, Raleigh, NC 27603, (919) 733-3016.
Licensed by the Nor1h Carolina Department of Insurance. Permit No. 119504607 - 6101 Condor Dr., Suite 200, Moorpark, CA 93021. Permit
No. 119505929 - 14800 Trinity Blvd., Fort Worth, TX 76155. Permit No. 119506567 - 3043 Townsgate Rd., Suite 200, Westlake Village, CA
91361. Permit No. 119506570 - 2201 West Plano Parkway, Suites 150 and 300, Piano, TX 75075. Permit No. 119507419 - 10550 West
Charleston Blvd., Suite A, Las Vegas, NV 89135.
OREGON - Borrowers: The Oregon Division of Financial Regulation oversees residential mortgage
(DFR)
loan servicers who are responsible for servicing residential mortgage loans in connection with real property
located in Oregon and persons required to have a license to service residential mortgage loans in this state.
If you have questions regarding your residential mortgage loan, contact your servicer at (800) 777-4001. To
file a complaint about unlawful conduct by an Oregon licensee or a person required to have an Oregon
license, call DFR at 888-877-4894 or visit dfr.oregon.gov.
This is an attempt by a debt collector to collect a debt and any information obtained will be used for that purpose. However, if your
account is subject to pending bankruptcy proceedings or if you have received a discharge in bankruptcy, this statement is for
informational purposes only and is not an attempt to collect a debt against you personally.
Licensing Information
waEqual Housing Opportunity © 2008-2023 PennyMac Loan Services, LLC, 3043 Townsgate Rd, Suite 200, Westlake Village, CA 91361,
818-224-7442. NMLS ID # 35953 (www.nmIsconsumeraccess.org). Trade/service marks are the property of PennyMac Loan Services, LLC
and/or its subsidiaries or affiliates. Arizona Mortgage Banker License # 0911088. Licensed by the Department of Financial Protection and
Innovation under the California Residential Mortgage Lending Act. Colorado: Colorado office: 5500 South Quebec Street, Suite 260,
Greenwood Village, Colorado 80111, (877) 215-2552. Massachusetts Mortgage Lender License # MC35953. Minnesota: This is not an offer to
enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206 (3) & (4). Licensed by the N.J. Department of Banking
and Insurance. Licensed Mortgage Banker-NYS Department of Financial Services. Rhode island Lender License # 20092600LL. For more
information, please visit PENNYMAC.COM/state-licenses. Co-op Loans not available. Some products may not be available in all states.
Information, rates and pricing are subject to change without prior notice at the sole discretion of PennyMac Loan Services, LLC. All loan
programs subject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions apply. All
rights reserved. (01-2023)
NY NOI-230 01-2021
Page 4 of 4 2383510608
FILED: OSWEGO COUNTY CLERK 03/26/2024 04:11 PM INDEX NO. EFC-2024-0493
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/26/2024
NY_90DAY{CM}_FLAT
PHOENIX,
13135NY
ST BARNES
11
LOUGH SCOTT
l'|11111111'l|1|"'l111111'I'I|11"Ill'll"IIIII'I'lllil'
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00 1508 1142 1170 1100 9307
FILED: OSWEGO COUNTY CLERK 03/26/2024 04:11 PM INDEX NO. EFC-2024-0493
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/26/2024
'"
PENNYMAC Notice Date: 09/05/2023
Sent Via Certified Mail
9307 1100 1170 1142 1508 00
P.O. Box 514387
Los Angeles, CA 90051-4387
11 BARNES ST
PHOENIX,NY 13135
SCOTT LOUGH
11 BARNES sT
PHOENIX, NY 13135
YOU MAY BE AT RISK OF FORECLOSURE.
PLEASE READ THE FOLLOWING NOTICE CAREFULLY
As of 09/05/2023, your home loan is 35 days and $2,836.20 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.
NY_90DAY
Pagelof12 9307 1100 1170 1142 1508 OO
FILED: OSWEGO COUNTY CLERK 03/26/2024 04:11 PM INDEX NO. EFC-2024-0493
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/26/2024
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 1-866-545-9070, 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
Departmenes 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 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 yet been commenced against you.
NY_90DAY
Page 2 of 12 9307 1100 1170 1142 1508 00
FILED: OSWEGO COUNTY CLERK 03/26/2024 04:11 PM INDEX NO. EFC-2024-0493
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/26/2024
COUNTY AGENCY ADDRESS INFO
CONTACT NOTES
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ext.2060 staff
Preview
FILED: OSWEGO COUNTY CLERK 03/26/2024 04:11 PM INDEX NO. EFC-2024-0493 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/26/2024 4 FILED: OSWEGO COUNTY CLERK 03/26/2024 04:11 PM INDEX NO. EFC-2024-0493 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/26/2024 PennyMac Loan Services, LLC PRESORT PO Box 9109 First-Class Mail Temecula, CA 92589-9109 U.S. Postage and Fees Paid WSO 2383510608 Send Payments to: PennyMac Loan Services, LLC PO Box 30597 Los Angeles, CA 90030-0597 20230921-189 Send Correspondence to: PennyMac Loan Services, LLC PO Box 514387 Los Angeles, CA 90051-4387 SCOTT LOUGH 11 BARNES ST PHOENIX, NY 13135 NY NOl{FC} FILED: OSWEGO COUNTY CLERK 03/26/2024 04:11 PM INDEX NO. EFC-2024-0493 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/26/2024 PENNYMAC~ Notice Date: 09/21/2023 P.O. Box 514387 Sent Via First Class Mail Los Angeles, CA 90051-4387 SCOTT LOUGH 11 BARNES ST rope y ress: PHOENIX, NY 13135 11 BARNES ST PHOENIX, NY 13135 NOTICE OF DEFAULT AND INTENT TO ACCELERATE ABOUT YOUR LOAN This letter is formalnotice by PennyMac Loan Services, LLC (herein as "PennyMac") that you are in default under the terms of the documents creating and securing your Loan described above, including the Note and Deed of Trust/Mortgage/Security Deed ("Security Instrument"), for failure to pay the amounts due. WHY YOU RECEIVED THIS NOTICE The loan is due for 08/01/2023 and subsequent payments, plus late charges, and/or any escrow balance, fees and costs. As of today, the total delinquency and reinstatement amount is $2,865.33, which consists of the following: Next Payment Due Date: 08/01/2023 Total Monthly Payments Due: $2,836.20 2 @ $1,418.10 Late Charges: $29.13 Other Charges: Uncollected NSF Fees: $0.00 Property Preservation Fees: $0.00 Property Inspection Fees: $0.00 Appraisals\Broker Price Opinion Fees: $0.00 Bankruptcy Fees: $0.00 Short Payment Advance: $0.00 Unapplied Balance: ($0.00) TOTAL YOU MUST PAY TO CURE DEFAULT: $2,865.33 Toll-Free: (866) 545-9070 Website: www.PennyMac.com Payments: General Correspondence: M-F 6:00 AM - 6:00 PM PT Secure Messaging Online: Standard Address: Attn: CorrespondenceUnit Sat 7:00 AM - 11:00AM PT Createan account and/or log in to P.O. Box 30597 P.O. Box514387 Toll-Free Fax: (866) 577-7205 http://www.PennyMac.com, Los Angeles, CA 90030-0597 Los Angeles, CA 90051-4387 then look for the Secured Message Overnight Address: (Pleasedonotsendpayments) Centerto communicatewith us securely. Attn: LockboxOperations Notice of Error and 20500 BelshawAve Information Request Carson, CA 90746 (Pleasedonotsendcorrespondence) Address: Attn: CorrespondenceUnit PO Box950002 Fort Worth, TX 76155-9802 (Pleasedonotsendpayments) NY_NOI-230 01-2021 Page I of 4 2383510608 FILED: OSWEGO COUNTY CLERK 03/26/2024 04:11 PM INDEX NO. EFC-2024-0493 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/26/2024 ACTION REQUIRED It is possible that after payment of the amounts detailed above there may be other fees still due and owing, including but not limited to other fees, escrow advances or corporate advances that PennyMac paid on your behalf or advanced to your account. This letter is a formal demand to pay $2,865.33. If the default, together with additional payments that subsequently become due, is not cured by 10/26/2023, the sums secured by the Security Instrument may be accelerated, and PennyMac may invoke any remedies provided for in the Note and Security Instrument, including but not limited to the foreclosure sale of the property. IF YOU ARE UNABLE TO BRING YOUR ACCOUNT CURRENT, PennyMac offers consumer assistance programs designed to help resolve delinquencies and avoid FORECLOSURE. These services are provided without cost to our customers. You may be eligible for a loan workout plan or other similar alternatives. If you would like to learn more about these programs, you may contact the Loss Mitigation Department at 1-866-545-9070, 6:00 AM - 6:00 PM PT Monday through Friday and 7:00 AM - 11:00 AM PT Saturday. WE ARE VERY INTERESTED IN ASSISTING YOU. The default above can be cured by payment of the total delinquency and reinstatement amount plus any additional payments and fees that become due by 10/26/2023 Note that in addition to the regular monthly payments, additional charges, costs and fees may become due during the period between today's date and the date the aforementioned payments are due. You may contact our Collection Department at 1-866-545-9070 to obtain updated payment information. Please include your loan number and property address with your payment and send to: PennyMac Loan Services, LLC P.O. Box 30597 Los Angeles, CA 90030-0597 Or Overnight PennyMac Loan Services, LLC Attn: Lockbox Operations 20500 Belshaw Ave Carson, CA 90746 IMPORTANT INFORMATION TO THE EXTENT YOUR OBLIGATION HAS BEEN DISCHARGED OR IS SUBJECT TO THE AUTOMATIC STAY IN A BANKRUPTCY PROCEEDING, THIS NOTICE IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE A DEMAND FOR PAYMENT OR AN ATTEMPT TO COLLECT AN INDEBTEDNESS AS YOUR PERSONAL OBLIGATION. IF YOU ARE REPRESENTED BY AN ATTORNEY, PLEASE PROVIDE US WITH THE ATTORNEY'S NAME, ADDRESS AND TELEPHONE NUMBER. " If you wish to dispute the delinquency, or if you dispute the calculation of amount of the delinquency and reinstatement amount, you may contact us by calling 1-866-545-9070. "cure" " You may have the right to or reinstate the loan after acceleration, and the right to assert in a foreclosure proceeding, or to bring a court action to assert the non-existence of a default or any other defense to acceleration or foreclosure sale. Failure to respond to this letter may result in the loss of your property. To the extent your obligation has been discharged or is subject to the automatic stay in a bankruptcy case, this notice is for informational purposes only and does not constitute a demand for payment or an attempt to collect a debt as your personal obligation. If you are represented by an attorney, please provide us with the attorney's name, address and telephone number. " Attention Servicemembers and Dependents: Servicemembers on active duty, or a spouse or dependent of such a servicemember, may be entitled to certain protections under the Servicemembers Civil Relief Act ("SCRA") regarding the servicemember's interest rate and the risk of foreclosure. SCRA NY_NOI-230 01-2021 Page 2 of 4 238353,0608 FILED: OSWEGO COUNTY CLERK 03/26/2024 04:11 PM INDEX NO. EFC-2024-0493 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/26/2024 and certain state laws provide important protections for you, including prohibiting foreclosure under most circumstances. If you are currently in the military service, or have been within the last 12 months, AND joined after signing the Note and Security Instrument now in default, please contact PennyMac immediately. When contacting PennyMac as to your military service, you must provide positive proof as to your military status. Servicemembers and dependents with questions about the SCRA should contact their unit's Judge Advocate, or their installation's Legal Assistance Officer. Homeowner counseling is also available at agencies such as Military OneSource (www.militaryonesource.mil; 1-800-342-9647) and Armed Forces Legal Assistance (http://leqalassistance.law.af.mil), and through HUD-certified housing counselors (http://www.hud.gov/offices/hsq/sfh/hcc/hcs.cfm). You can also contact us toll-free at 1-866-545-9070 if you have questions about your rights under SCRA. " If you are experiencing financial difficulty, you should know that there are several options available to you that may help you keep your home. You may contact a government approved housing counseling agency which provides free or low-cost housing counseling. You should consider contacting one of these agencies immediately. These agencies specialize in helping homeowners who are facing financial difficulty. Housing counselors can help you assess your financial condition and work with us to explore the possibility of modifying your loan, establishing an easier payment plan for you, or even working out a period of loan forbearance. For your benefit and assistance, there are government approved homeownership counseling agencies designed to help homeowners avoid losing their homes. To obtain a list of approved counseling agencies, please call 1-800-569-4287 or visit http://www.hud.qov/offices/hsq/sfh/hcc/hes.cfm. " You contact the Preservation Foundation's Hope hotline at 1-888- 995-HOPE may Homeownership (4673). If you wish, you may also contact us directly at 1-866-545-9070 and ask to discuss possible options or visit our website www.PennyMac.com. " Pursuant to your loan documents, PennyMac may enter upon and conduct an inspection of your property. The purposes of such an inspection are to (i) observe the physical condition of your property, and (ii) verify that the property is occupied and/or (iii) determine the identity of the occupant. If you do not cure the default prior to the inspection, other actions to protect the mortgagee's interest in the property (including, but not limited to, winterization, securing the property, and valuation services) may be taken. The costs of the above described inspections and property preservation efforts will be charged to your account as provided in your security instrument. " PennyMac is attempting to collect a debt, and any information obtained will be used for that purpose. You are notified that this default and any other legal action that may occur as a result thereof may be reported to one or more local and national credit reporting agencies by PennyMac. " If your loan is currentlybeing evaluated for a loan modification, forbearance or other loan assistance solution, this notice will no_t cancel or delay that evaluation process. However, it is important that you promptly respond to all requests made in connection with your evaluation for a loan assistance solution, including all requests for you to contact us and any documentation required. If you do not comply with these requests in a timely manner, it may cause your loan to enter the foreclosure process as indicated in this notice. If your loan is not eligible for a loan assistance program, please note this letter will continue to serve as notice of our right to initiate foreclosure. QUESTIONS? CONTACT US If you have any questions, please call a Loan Specialist at 1-866-545-9070. Our office hours are 6:00 AM to 6:00 PM (PST) Monday through Friday, 7:00 AM to 11:00 AM (PST) on Saturday. NEW YORK residents: This collection agency is licensed by the New York City Department of Consumer Affairs, License Numbers 1294096 and 1467388. This collection agency is licensed by the City of Buffalo, License Number 551910. E NY_NOI-230 01-2021 Page 3 of 4 2383510608 FILED: OSWEGO COUNTY CLERK 03/26/2024 04:11 PM INDEX NO. EFC-2024-0493 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/26/2024 In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. section 1692 et seq., debt collectors are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to: (i) the use or threat of violence; (ii) the use of obscene or profane language; and (iii) repeated phone calls made with the intent to annoy, abuse, or harass. NEW YORK - if a creditor or debt collector receives a money judgment against you in court, state and federal laws prevent the following types of income from being taken to pay the debt: 1) Supplemental security income (SSI); 2) Social security; 3) Public assistance (welfare); 4) Workers' Spousal support, maintenance (alimony) or child support; 5) Unemployment benefits; 6) Disability benefits; 7) compensation benefits; Veterans' 8) Public or private pensions; 9) benefits; 10) Federal student loans, federal student grants, and federal work study funds; and 11) Ninety percent of your wages or salary earned in the last sixty days. PennyMac Loan Services, LLC is registered with the Superintendent of the New York State Department of Financial Services (Department). You may obtain further information or file a complaint by calling the Department's Consumer Assistance Unit at 1-800-342-3736 or by visiting www.dfs.ny.gov. NORTH CAROLINA - Licensed by the North Carolina Office of the Commissioner of Banks. Complaints regarding the servicing of your mortgage may be submitted to the Office of the Commissioner of Banks, 316 W. Edenton Street, Raleigh, NC 27603, (919) 733-3016. Licensed by the Nor1h Carolina Department of Insurance. Permit No. 119504607 - 6101 Condor Dr., Suite 200, Moorpark, CA 93021. Permit No. 119505929 - 14800 Trinity Blvd., Fort Worth, TX 76155. Permit No. 119506567 - 3043 Townsgate Rd., Suite 200, Westlake Village, CA 91361. Permit No. 119506570 - 2201 West Plano Parkway, Suites 150 and 300, Piano, TX 75075. Permit No. 119507419 - 10550 West Charleston Blvd., Suite A, Las Vegas, NV 89135. OREGON - Borrowers: The Oregon Division of Financial Regulation oversees residential mortgage (DFR) loan servicers who are responsible for servicing residential mortgage loans in connection with real property located in Oregon and persons required to have a license to service residential mortgage loans in this state. If you have questions regarding your residential mortgage loan, contact your servicer at (800) 777-4001. To file a complaint about unlawful conduct by an Oregon licensee or a person required to have an Oregon license, call DFR at 888-877-4894 or visit dfr.oregon.gov. This is an attempt by a debt collector to collect a debt and any information obtained will be used for that purpose. However, if your account is subject to pending bankruptcy proceedings or if you have received a discharge in bankruptcy, this statement is for informational purposes only and is not an attempt to collect a debt against you personally. Licensing Information waEqual Housing Opportunity © 2008-2023 PennyMac Loan Services, LLC, 3043 Townsgate Rd, Suite 200, Westlake Village, CA 91361, 818-224-7442. NMLS ID # 35953 (www.nmIsconsumeraccess.org). Trade/service marks are the property of PennyMac Loan Services, LLC and/or its subsidiaries or affiliates. Arizona Mortgage Banker License # 0911088. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Colorado: Colorado office: 5500 South Quebec Street, Suite 260, Greenwood Village, Colorado 80111, (877) 215-2552. Massachusetts Mortgage Lender License # MC35953. Minnesota: This is not an offer to enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206 (3) & (4). Licensed by the N.J. Department of Banking and Insurance. Licensed Mortgage Banker-NYS Department of Financial Services. Rhode island Lender License # 20092600LL. For more information, please visit PENNYMAC.COM/state-licenses. Co-op Loans not available. Some products may not be available in all states. Information, rates and pricing are subject to change without prior notice at the sole discretion of PennyMac Loan Services, LLC. All loan programs subject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions apply. All rights reserved. (01-2023) NY NOI-230 01-2021 Page 4 of 4 2383510608 FILED: OSWEGO COUNTY CLERK 03/26/2024 04:11 PM INDEX NO. EFC-2024-0493 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/26/2024 NY_90DAY{CM}_FLAT PHOENIX, 13135NY ST BARNES 11 LOUGH SCOTT l'|11111111'l|1|"'l111111'I'I|11"Ill'll"IIIII'I'lllil' " I I' 20230905-189 00 1508 1142 1170 1100 9307 FILED: OSWEGO COUNTY CLERK 03/26/2024 04:11 PM INDEX NO. EFC-2024-0493 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/26/2024 '" PENNYMAC Notice Date: 09/05/2023 Sent Via Certified Mail 9307 1100 1170 1142 1508 00 P.O. Box 514387 Los Angeles, CA 90051-4387 11 BARNES ST PHOENIX,NY 13135 SCOTT LOUGH 11 BARNES sT PHOENIX, NY 13135 YOU MAY BE AT RISK OF FORECLOSURE. PLEASE READ THE FOLLOWING NOTICE CAREFULLY As of 09/05/2023, your home loan is 35 days and $2,836.20 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. NY_90DAY Pagelof12 9307 1100 1170 1142 1508 OO FILED: OSWEGO COUNTY CLERK 03/26/2024 04:11 PM INDEX NO. EFC-2024-0493 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/26/2024 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 1-866-545-9070, 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 Departmenes 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 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 yet been commenced against you. NY_90DAY Page 2 of 12 9307 1100 1170 1142 1508 00 FILED: OSWEGO COUNTY CLERK 03/26/2024 04:11 PM INDEX NO. EFC-2024-0493 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 03/26/2024 COUNTY AGENCY ADDRESS INFO CONTACT NOTES 2I5 e St, Abany' Affordable Housing Partnership 518-434-1730 areas I o ervessurrounding AlbanyCountyRuralHousing 24MartinRoad,Voorheesville' 518-765-2425 HOPP Alliance NY12186 areas Alsoservessurrounding HOPP Albany Fortenantswhosebuildings 255OrangeSt, Albany UnitedTenants ofAlbany 518-436-8997 of areintheprocess NY 12210 foreclosure orhavebeen on foreclosed 20E onsSt, Schenectady, BetterNeighborhoods, Inc. 518-372-6469 staff Spanshspeaking available 84Sc u ACCORD 585-268-7605 HOPP 3 Allegany Neighborhood Housing 1937SouthParkAve. Buffalo' AlsoseMngsunoundng 716-823-3630 Services ofBuffalo NY 14220 counties HOPP TheBronxNeighborhood 1451EastGunHillRd.,Bronx, 718-881-1180 Spanish staff speakmg Services Housing CDC,Inc. NY10469 available HOPP MHANY Inc. 1MetrotechCenterNorth11th 718-246-8080 ext203 Spanish,Hanan,Greek,and Management, NY 11201 staff HaitianCreolespeaking Floor,Brooklyn, available HOPP Spanish,Russian,Cantonese, HousingandFamilyServices of 415Albemarle NY Rd.,Brooklyn, Mandarin,Patois,Haitian 718435-7585 GreaterNewYork,Inc. 11218 Creole,andFrenchCreole speakingstaffavailable. Bronx Translation Serviceavailable GrowBrooklyn, Inc 37Mye Ave.,Brooklyn, NY 718-418-8232 ext.2060 staff