Exhibit,Appendix: Federal Home Loan Mortgage Corporation, As Trustee For The Benefit Of The Freddie Mac Seasoned Credit Risk Transfer Trust, Series 2023-1 v. Cynthia Staunches, David Staunches, Hsbc Bank Nevada Na, Equable Ascent Financial, Llc, Cach, Llc, Glens Falls Hospital, Capital One Bank (Usa), N.A., John Doe #1 Through John Doe #10, The Last Ten Names Being Fictitious And Unknown To The Plaintiff, The Person Or Parties Intended Being The Persons Or Parties, If Any, Having Or Claiming An Interest In Or Lien Upon The Mortgaged Premises Described In The Complaint

• 
• 
• 
• 
• 
• 
• 
• 

						
                                
Preview
                                SUPREME COURT OF THE STATE OF NEW YORK

COUNTY OF WARREN                                                  lndex No.:   EFZ024-7 2440

                                                    ------x       RJI   No.: 56-1-2024-0167

Federal Home Loan Mortgage Corporation, as Trustee for            Notice of Foreclosure Settlement
benefit of the Freddie Mac Seasoned credit Risk Transfer          Conference
Trust, Series 2023- 1                                             IcPLR S 3408(e)l


-aga   inst-

Cynthia Staunches, David Staunches, HSBC Bank Nevada I
Equable Ascent Financial, LLC, Cach, LLC, Glens Falls
Hospital, Capital One Bank (USA), N.A., JOHN DOE fl1 thrc
JOHN DOE #10, the last ten names being fictitious and
unknown to the plaintiff, the person or parties intended
being the persons or parties, if any, having or claiming an
interest in or lien upon the mortgaged premises describer
in the Complaint

                                                          x



Property Address: 196 Sanford Street, , Glens Falls, NY 12801


Dear Homeowner:

A mortSage foreclosure case has been started against you for the property located         at   196 Sanford   Street, ,   Glens Falls, NY
12801    .


Do not ignore this notice or any court papers that you receive, or YOU MAY LOSE YOUR HOME.

What You Should Do:

You should arrange to get legal help as soon as possible. lf you have hired an attorney, you shou ld
                                                                                                  notify them of this
notice immediately so the attorney can attend the conference date listed below. Under CPLR 3408(b), if you appear
before the court without an attorney, the Court will screen you for what is known as "Poor Person Re lief". You do not
have to be "poor" to get this relief. lftheCourtfindsthatitisappropriate,theCourtmayappointanattorneyto
represent you.

Court Settlement Conference   :



You are  entitled to a court conference with your lender (the bank that holds your mortgage). This conference is to help
find a solution that both you and the lender agree upon that will help you avoid foreclosure. You m ust attend this
conference. lf you cannot attend on the date listed below please contact the court at 518-480-6336 so the conference
can be rescheduled. Please note: the sooner the conference process starts, the better your chances are of saving your
home from foreclosure.



Your settlement conference    with the Court   is scheduled   to be heard virtuallv (not in-person) on the followinq date and
ti me:

Courti              Warren Countv Supreme Court
Address:            1340 State Route 9, Lake Georte, New York 12845
Date:                   05/2112024
Time:                   10:20 AM

Referee:               Keith A. Muse, Esq.

THIS  A VIRTUAL CONFERENCE - DO NOT PHYSICALTY APPEAR AT THE COURTHOUSE UNLESS YOU ARE SPECIFICALLY
       15

DIRECTEO TO DO 50 BY THE COURT CLERK,S OFFICE.

lf you or your attorney fail to participate in the conference, this may be considered as a waiver of your right to a
settlement conference. This conference will be conducted virtually using an online video chat platform. You must
                       rk'        with an email address with whic
court to provide this information al least one week orior to vour conference date You may participate in the virtual
conference via video chat or by telephone using a dial-in number sent to you in the conference invitation. Pleglg
immediatelv notifv the Court Clerk's Office if vou do not ha ve access to email. the internet and/or a teleDhone. so that
arra e          ma                     t             n tn h    n     n

What to Have Available at the Court Conference:

It is extremely important that both sides are prepared to discuss the case. ln order for the Court to help you and your
lender resolve the case, please be prepared to submit the following documents:
            .   Proof of current income (such as 2 most recent pay stubs)i

            .   Most recent income tax return;
            .   Most recent property tax statements;
            .   Benefits information;

            .   lf self-employed, profit and loss statement;

            .   Recent bank statement (at least 2 months);

            .   List of monthly expenses;

            .   Recent mortgage statements;

            .   Rental agreements of proof of rental income, if any;

            .   Any written loan resolution proposals or information from previous workout packages;

            .   Previously submitted loss mitigation applications.

These documents must be current. lt is advised that you have updated information available at each conference.

Resoond ins to Court Paoers:

ln addition to participating in the conference, you must also respond to any Court papers received . The number of days
you have to respond is stated in the Court paper called "Summons". Make sure you meet the deadline given in the
summons and any other deadline set by law. Please see the paper entitled 'Answering a Foreclosure
Complaint" (included herewith) for more information.

What Plaintiff Bank Must Have Availabl           th Court Confe   re n


                Mortgage and Note or copies of the same;

                Payment History;

                Payoff and reinstatement figures, workout forms or packet including loss mitigation contact inform ation;

                lf Plaintiff or servicer has eva luated/is eva luating a loss mitigation application, provide a summ ary of the
                status of the evaluation including a list of outstanding documents required from the borrower to com plete
                review, and the expected date ofthe decision;
                 lf Plaintiff or servicer has denied a medication application, provide the denial letter with the reason for
                 denial and the date input fields and values for the net present value evaluation. lf thedenial was based on
                 an investor restriction, provide documentary evidence showing the bases for the denial, such as a po oling
                 and servicing agreement;

             .   Any written loan resolution proposals or information form previous workout packages;

             .lfPlaintiffisnottheowneroftheNoteandMortgage,pleaseprovidetheName/Address/Phonenumberof
                the owner of the Note and Mortgage.

Where You Can Get Help:

FREE HELP is available bycontacting one of the legal service providers or housing agencies listed below or you may hire
your own lawyer. Either way, it is important to act now to avoid losing your home. Additional info rmation is available at:
www. nycou rts.gov



Legol Seruices:

Legal Aid Society of Northeastern NY lnc                            The Legal Project

55 Colvin Avenue                                                    24 Aviation Road, Suite 101

Albany, NY 12205                                                    Albany, NY 12205

(518)     462-6765   www.LASNNYore                           (518)435-1770   wwwLEGALPROJECT.oTq



Legal Aid Society of Northeastern NY lnc {Saratoga Office)

40 New Street

Saratoga Springs, NY 12866
(518)     587-5188 www.LASNYore


New York State Bank Department's toll-free helpline at 1-877-BANK-NYS (1-877 -226-5697) or visit the Department's website at
www. BAN KING.STATE.NY US



Housing Agencies:

Albany County Rural Housing Alliance, lnc.

24 Martin Road

Voorheesville, NY 12186-4814

i.578].   765-2425 www.ACRHA.orP


Housing Assistance Program of Essex County (HAPEC)

103 Hand Avenue

Elizabethtown, NY 12932
(s18)     873-6888 www.HAPEc or


Other Resources:

New York State Office of the Attorney General

1-855,HOME-4s6
Or www.AGSCAM HELPcom (if you believe you are victim of a scam)
Or www.AGHOM     EHELP.com (Homeowner Protection Program)



New York State Department of Financial Services Foreclosure Relief Unit

1-800-342-3736 or 1'888-995-4673 (Hope Now Hotline)

www DFS.NYqOV


DATED: Aptil23,2024