DOCKET NO.: NNI-I-CVl6-6061426-S
`
`NATIONSTAR MORTGAGE LLC
`
`VS.
`
`GARY ROBINSON
`
`LAURA ROBINSON
`
`:
`
`.
`
`:
`
`:
`
`SUPERIOR COURT
`
`JUDICIAL DISTRICT
`
`OF NEW HAVEN
`
`AT NEW HAVEN
`
`:
`UNITED STATES DEPARTMENT OF
`TREASURY—INTERNAL REVENUE SERVICE :
`
`December 13, 2017
`
`AFFIDAVIT OF COMPLIANCE WITH EMAP
`
`I, the undersigned, sworn on oath, state as follows:
`
`1.
`
`2.
`
`My name is Eileen C. O’Shauglurcssy.
`
`I am employed as an attorney at the law firm of Marinosci Law Group, PC.
`
`I am familiar with the facts of this case.
`
`On or about December 29. 2015. a Demand letter was sent via regular and certified
`mail to Gary Robinson and Laura Robinson at
`l Lasalette Way, North Branford,
`
`CT 06471 advising them that the Note is in default for breach of the conditions
`contained in the Loan Documents,
`including failure to make monthly payments.
`Defendant was provided with an arrearagc amount to cure the loan by February 27=
`2016.
`
`Notice sent also advised the Defendant that under Section 8—265ee of the Connecticut
`
`General Statutes, as amended, that they have 60 days from the date of the letter to:
`(1) Have a face—to—face meeting or telephone or other conference acceptable to the
`authority with the Mortgagee or a face—to—face meeting with a consumer credit
`counseling agency to attempt
`to resolve the delinquency or default of the
`mortgage loan by restructuring the loan payment schedule or otherwise;
`(2) Contact the Connecticut Housing Finance Authority at 999 West Street, Rocky
`Hill, Connecticut 06067, Telephone 860—721-9501 to obtain information and
`apply for emergency mortgage assistance payments if the mortgagor and
`mortgagee are unable to resolve the mortgage delinquency or default.
`
`6.
`
`A list of the CHFA/HUD—Approved Housing Counseling Agencies was sent as an
`attaclnnent along with the Demand letter that was sent via regular and certified mail
`on December 29 2015.
`
`I make these statements based upon my own knowledge, information and belief.
`
`

`

`
`
`i
`‘
`C.
`‘
`
`
`Eileen C. O’Shaughnessy, E .
`Attomey, Juris Number 409017
`Marinosci Law Group, P.C.
`
`State of Rhode Island
`
`County of Kent
`
`1%”
`
`The foregoing instrument was acknowledged, subscribed and swom to before me this
`g 909 m hm , 2017 by Eileen C. O’Shaughnessy
`r.
`Notary PuBlic
`
`i. d
`
`i
`
`5
`
`day of
`
`Printed Name:
`
`My Commission Expires:
`
`
`
`
`
`
`
`
`SAMANTHA A. PETTY, Notary # 760433
`
`Notary Public, State of Rhode Island
`My Commission Expires Feb. 21, 2021
`
`
`

`

`EXHIBIT A
`
`

`

`Nationstar Meligage. LLC
`F30 Box $035
`Tamecula‘ CA QESSQ-QDQS
`
`Send Payments to:
`Nationstar Mongage
`PO Box 8531783
`fiafilas. TX 7’5255707‘83
`
` 9RESORT
`
`Firat~CIass Mail
`us Postage and
`Fees Paid
`W 80
`
`m13E}? 71.1131] MRI]
`
`[JEN-H:
`
`53121? SE
`
`20151229450
`
`11.:mum“IpvlhtqmrdqIIrllflmwlin,Innlulqal
`GARY ROBINSON
`LAURA ROBINSON
`1 LASALETTE WAY
`
`NORTH BRAN?ORD, CT 064714481
`
`55-23.?--E
`1,13”L I:
`
`(3'1’___N01
`
`

`

`EWL‘e-u
`Nettongtaf
`
`thiRT
`
`v
`
`Sent Via ("Tertificd Mail
`"BU? lLDCl MRI] D51“: 51:2“! 5E
`
`i2f29/20l5
`
`GARY ROBINSON
`LAURA ROBINSON
`1 LASALET‘TE WAY
`
`NORTH BRANFDRD, CT 06471—1481
`
`Loan Number:
`
`Property Address:
`
`1 LASALETTE WAY
`NORTH BRANFORD, CT 0647}
`
`Dear GARY ROBINSON and LAURA ROBlNSON:
`
`If you are represented by an attorney, please send this notice to your attorney.
`
`Nationstat‘ is the mortgage loan scrvicer for Nationslar .[V-{ortgagc LLC.
`
`This notice is being sent as required by the terms ofthe security instrument securing your mortgage loan
`
`Your loan is currently past due for the liftllfltlli payment and is due for ail payments from and including that
`date. The failure to make these payments is a default under the terms and conditions of the mortgage loan.
`
`As of the date of this letter, total monthly payments (including principal, interest, and escrow, if appiicahic).
`late fees, NSF fees, and other fees and advances cine under the terms of the loan documents are past due in the
`amount of $3,716.53. in order to cure this defaulti you must pay the total amount due of $3,716.53 in addition
`to other amounts that become due from the date of this letter through the date you pay.
`
`011 the day that you intend to pay, please call Nationstar at {-888-480-2432 to request the full amount owed on
`your account as the amount due on the day that you pay may he greater than stated aboveE due to interest: late
`charges, and other charges or credits that may vary from day to day, or may he assessed after the date of this
`letter. Any advances made by Nationstar subsequent to the date of this letter to protect the lien position and
`property must be added to the total amount necessary to cure the default. This letter is in no way intended as a
`payoff statement for your iiiongagc, it merely states an amount necessary to cure the current delinquency.
`
`All reinstatement payments must he made payable in certified funds, cashier's check or money 01112115) and
`mailed to Nationstar Mortgage LLC, PO Box 650783, Ballast TX 75265—0783 or overnight delivery to
`Nationstar Mortgage LLC, Attn. ?aytucnt Processing, 1010 W. Mockingbird, Suite. 101), Deltas. TX
`75247. You may call Nationstar at L518 87480~2432 il‘you have questions regarding your accmint or mite to
`Nationstar Mortgage LLC, 8950 Cypress Waters Boulevard Coppell, TX 750i 9.
`
`Unless otherwise required by applicable law, Nationstar is not obligated to accept less than the hill amount
`owed.
`lliyou send less than the tail amount owed, Nationstar may,
`in its sole discretion, apply such partial
`
`Nationstar is a debt collector. T his is an attempt to caiiect a debt and any information obtained wiil be
`used for that purpose.
`lion-ever, if you are. currently in bankruptcy or have. received a discharge in
`bankruptcy, this communication is not an attempt to collect a debt from you personally to the extent that
`it
`is included in your bankruptcy or has been discharged, but is provided for informational purposes
`only.
`
`
`
`iii"
`
`‘
`
`igni'fl LIN} Hill-tin 53.3“; SE
`
`

`

`payment without \i-‘ttiving an}r default or waiting the not: to accclcratc the mortgage and pursue foreclosure.
`
`$3,716.53 must be guild by {32/2712016 (or it“ said clatc l'alis on a Sattn‘tLIay. Sunday. or iogal holiday. thcn on.
`the lirst business day thereafter) in order to care the def-attic
`
`Your right to care this default as referenced herein does not suspend your paymcnt. obligations. Pursuant to the
`terms ofthe Note. the. nest imymcut due on {J l I'OIJ‘ZGN) is still one on {lit-ill $2016 (or it‘saicl datetsl Falls on a
`Saturday, Sunday, or legal holiday," then on the first business day thereafter),
`
`Failure to pay $3,716.53 by 02/27/2016 {or if said data falls on a Saturday, Sunday, or legal holiday, then on
`Lhc first business {in};
`ihC‘l‘CafiCI), may result in acceleration of the. stuns secured by the Security instrumcnt,
`foreclosure proceedings and sale of the. proncrty.
`
`in the event of accclcration, you have the right to reinstate tho loan after acceleration and the right to assert in
`court the non—existence ofa default or any other defense to acceieration and forcclosurc or sale.
`
`This default, and any legal action that may occur as a rcsalh may be reported to one. or morn local and national
`credit re-poiting agencies toy Nationstar.
`
`It" you request in. writing. Nationstar will not contact you. by phone at your place of cntploymcnt. Furihcrmorc,
`it" you request in writing not to be contacted. Nationstar will not contact you, except to send statutorily and-"or
`contractually required icgal noticds).
`
`You may l'iavo options available to you to help you avoid foreclosure‘ Please colt Nationstar’s l-‘orcclosurc
`Pt'cvotition Department at E-838-488—2432 for additional information or to request an intcrx-‘icw for the purpose
`
`of resolving the past due account. You may also visit litulsiyww.nanomitsragtgitginrflfimgigtsujstgipggg {or
`additional
`information,
`to see what options may be available:
`to you, and to submit an tippilcflliml for
`assistance.
`
`All. homeowners are eligible for housing counseling services through the US. Department of Housing and
`Urban Development (HUD). To obtain a list of HUD approvcd counseling agcncics) call 1m888~995wfiOPE
`(4673] or Visit 111_t‘
`1'
`
`Picasc be advised that under Section 8—265oc of the Connecticut Gcncrat Statutes, as amended, that you have
`
`(1‘) have a Face-to-facc inccting or telephone conference with
`sixty (60) days from the date of this letter to:
`Nationstar Mortgage LLC or a face-to-t'ace meeting with a consumer counseling agency to attempt to resoivc
`the delinquency or default ot'thc attovc referenced mortgage ann by restructuring the loan paymcnt so‘ncduie or
`otherwise; and (2) contact:
`the Cormocticut Housing Finance Authotity at
`the address and phonc number
`contained in this notice. to obtain information and apply for emergency mortgage assistance payments if you
`are not abie to rcsoh-‘c the mortgage dclinqucncy or default with Natiniistar Mortgage LLC
`
`Tho address and telephone number for the Connecticut Housing Finance .-\ut'ltority is as follows: Connecticut
`Housing Finance Authority-'1 999 West Strcct, Rocky Hill:
`(."onnccticut 06061 Tel.
`l~87i~57tl 0.432 or
`i-ifioO—SH—SSUU. Enclosed is a list of HLED approval counseling agencies solcctctl by the Connecticut Housing
`Finance Authority for tho Elitergeiicy h’lirt'tgage Assistance Program (EMA?)
`
`("1 Vi)!
`
`
`
`

`

`Attention Service-members and Dependents: Servicemembers on active duty. or a spouse or dependent ofsuclr a
`scrviccmcmbcr, may be entitled to certain protectionfi under the Servicmncmlrers Civil Relict'A'c-l (“SC‘RA”) regarding
`the sorricommnbofis intoroaat rate and the risk of foreclosore. SClU-‘t and ccrtztijt state laws provide important
`protections for yotu including prohibiting for'rrclosu're withou a court order. ll’you are currently in the iiiélitary service.
`or have been \i-‘ithin the last l2 months, AND joiner] aficr Signing the Note and Security Instrument now in (lotltolt,
`pleaso notify Natioostztr immediately. Please notify" us of your activo duty status in order to recaive an interest rate
`reduction to 6%. Notice must be received no later than 180(133’3 allot your military services cncls. It is not necessary
`to notify us of your military status in ordcr to obtain foreclosure protection; however, we will be better able to assist
`you if you notify us of your military status as soon as possible. When contacting Nationstar as to your military
`service, you may be required. to provide positive proof as to your military statuS. Scwiccmcmliers and dependents
`with questions about the Still-ft should contact their unit's Judge Advocate, or their lnstallation's Legal ASSlSlflflC-C
`Ollie-Er. Homcowner
`counseling
`to
`also
`available
`at Military OncSourcc
`(xi-"ow.milltawonesource.mil;
`{-800—342-9647), Armed Forces Legal Assistmlco (http:fg’lcgalflssistancclaw.athnil) and l-lUDnccrtitlcd housing
`counseling agencies (llttijww.hog.goflgflicasflisggxigrlyhggflgs;c5111}. You. may also call Natioflgtar tollifi‘co at
`1—888480—2432 ifyou haw qoestions about your rights under SC‘RA.
`
`Please disregard this notice ii~ a payment sufficient to core. the default has already been sent.
`
`Sincerely,
`
`Olakimlo Arogun
`
`Dedicated Loan Specialist
`Nationstar hilortgage LLC
`1-8??-450-8638 ext. 8949147
`
`8950 Cypress Waters Boulevard
`Coppcll. TX 75019
`
`¥UE
`El
` \ Lll‘h
`
`i-rix '-
`
`llfifl Ll70 flfiHE 5L2? SE
`
`

`

`()ptioual Method of Foreclosure by it’larket Stile: Pursuant to PA 14mm et .5qu Nz-irionstar is required to
`provide you with the following information regarding an optional method of foreclosure by market SfllC.
`
`l
`r
`.
`.
`.
`You have the o ition to contact us to discuss whetl‘ier the Pro-herb; may. be mutual consent between US.
`
`be marketed for salt: pursuant to o llSllllg agreement cstnblts‘ltcd in accordance with Connecticut law as:
`further described below.
`
`You may contact. us at:
`Mailing Address: ATTN: Short Sales Group
`89:30 Cypress; Waters Boulevard
`Coppcll, TX 75019
`Telephone number 8'?7-343-6386
`Facsimile number 9?.2—9664880
`
`E—Mail Address shot-toolcsopportifii‘inarionstarmail.cont
`
`Foreciosure by market sale will not be an option for you unless (1) Your mortgage is a first {let}
`mortgage. {not inclt'irling 2-1 reverse annuity mortgage) on your primary residence which you occupy and
`('2) the amount secured by the mortgage when added to amounts for which there. is it prior lien by
`operation of law is lees than the appraised value ofyour property.
`
`to initiate contact with no and to
`letter
`the date of this
`You have sixty (60} days after
`conternporoneously confirm in writing your election to pursue a foreclosure by li'tai'lcct sale as the
`address or email provided above.
`
`You should contact a Connecticut real estate agent to (tissue; the feasibility of listing your property for
`sale pursuant to the foreclosure by market sale process.
`
`if we both agree to proceed with further discussions concerning an acceptable listing agreement. you
`must first permit an appraisal of the l’roperty by a Connecticut
`liecnSed applet-fact chosen by us to
`verify your eligibility for foreclosure by rrnti'ket sale. This appraisal will require both an interior and
`exterior inspection of the property.
`
`ll” you and WC both agree to proceed further and you are eligible, the terms and conditions of the listing
`agreement. including the duration. and listing price, must be acceptable to both you and us.
`
`The terms and conditions of an}: offer to purchase, including the purchase price- and any contingencies,
`must be acoeptahte to both you and us. ifon acceptable offer it received you will Sign an agreement to
`sell the property through a loreclosure by market sale.
`
`If you consent to a foreclosure by market sale, you will not he eiigibie for foreclosure mediation to
`any type of foreclosure action that is commenced following the. giving ofsuch consent.
`
`"i." VIE-"1
`
`:.. 7'!
`
`llflLEE “13.9“: 5?
`
`

`

`FORECLOSURE MEDFATION
`NOTICE OF COMMUNITY~BASED
`
`Jo—r-'7-12r" Rev 4-1»:
`6.13.5 '35 iH-Iill
`-
`
`ADA NOTICE
`The Judiciai Branch oi
`the State of Connecticut
`complies with the Americans with Disahiiliies Act
`(ADA).
`if you nee-d a reasonable accommodation m
`accordance with the ADA. comact a court clerk or an
`
`ADA contact person listed at wwwy’uu‘ ctgowfifl-‘t.
`
`STATE OF CONNECTICUT
`
`JUDtClAL BRANCH
`
`remaindctgov '
`
`State of Connecticut Department of Banking
`Foreclosure Hottine Bulletin
`Community-Based Resources for Connecticut Homeowners in Foreclosure
`Note: Assistance in muiiiple languages is available through Connecticut Housing Finance Authorily (GHFA/HUDJ-epproved
`housing counseling agencies {refer in the list below). Ayuo‘a en Espafiol es disponfble a fret/es do agencies do consejerie do
`vivienda aprobado por CHFA/HUD {1"ever do refelilse. a [arisia do abajo}
`
`Toll-free Mortgage Foreclosure Assistance Hotline: 1-377-472-8313
`Department of Banking Website: www.ct.govldob
`The free Foreclosure Hollies is opera Monday-Friday 8;OO em. to 5:00 pm. Calls wili be returned within iv 3 business days.
`Homeowners who are currently a party to a foreclosure action with time sensitive foreclosure coecems should call the i—lotline
`for assiséence. You can also reach the Department of Banking by calling 1-800-831-7225 {toll-free) or 860-240-8299.
`
`Mortgage Assistance from the Connecticut Housing Finance Authority (CHFA)
`The Connecticut Housing Finance Authority administers the state's Emergency Mortgage Assistance. Program (EMAP)
`which was created by the Connecticut Genera? Assembly. EMAP can help eligible homeowners with overdue paymenis and
`provide monthly. mongece accisience. For more information contact a CHFNHUD—epproyed housing counseling agency
`(listed below}. call CHFA(ii. 1 -S'??-5771-2432 or visit WWW chfa org
`
`CHFNHUD~Approved Housing Counselors:
`CHFNHUD-approyed housing counselors provide free help to Connecticut homeowners who are struggling. financially and
`may be at risk. of foreclosure. They can review your budget and try to find ways to help with your financial. issues. They are
`trained in handling FHA and “conventional" loans and can help you negotiate with your mortgage company or apply to CHi—“A
`for an Emergency Mofigage Assistance loan. If 3 Foreclosure case has been fiied against you end you have asked to.
`participate in the Foreclosure Mediation Program. they can help you get ready for mediation (inciudlog ihe. Premediaiion
`meetings with your mediator} and help you submit financial documents to your mortgage company as part of the mediation
`process. CHFAJHLJD approved housing counselors. welcome residents from all over Connecticut. You do not need to go to
`the agency closest to you.
`
`.
`
`l i
`
`ll
`
`
`
`CHFNHUD-Approued Housing Counseling Agency
`>
`Phone
`County
`
`ifeimrriie-INHWIMfl eiie'gégafih 3&3};me Trust-"Sidéiei—e Sire et_Briogepoll wow. bnfweb org
`E.203-2130:4255 ext; 10?
`
`Community Renewal Team. 395 ‘v"etl1ers.:etd RUE—mm“ssrtford www.crrcr. om
`i860560—5889““
`_l
`Ha ‘tford
`Neighborhood Housing Services of New Britain 223 BroadS .New le'a.n wmunhsnhorcr l869224—243.
`
`,,A_,7M ._ J_4u4ck4u,4_uo,owo,,,,o,,u,,o o,A _.....M,oo,,,,,
`120$ 7,77 6?25 ext ‘75
`Neighborhood Housing Services of New Haven, 333 Sheena:ll Ave” New Haven
`W1-my 1111sofnewbeve11. org
`l
`r
`.
`Greater New Haven Community Loan Fund 1:1 Orange SL, New Haven
`
`2 13624.4115 B)” 130
`lltox’wwxx lire.ocforojecior'9'
`E
`‘7
`.
`_ _..
`__
`_
`_____
`_.
`.. _...
`.. _..
`.....
`.
`Neighborhood Housing Serv1oes.ofWaterbury.. 161 North Main Street: Waterbury
`i205}?0347531896 ext 10
`1mwnhsweierbunr.org (serves Waterbury; Naugaiuck. Torringlon, and all of Nofihwesi CT) 4
`
`Catholic Charities, Diocese of Norwich, 3’31. Main St Norwioh; 28. Huntington 8L,
`ul
`{1.
`1"
`VVi:1dhem__New London mm.ccfsn.olg 1also serves Middletown)
`l 880 88 84B ext 272
`
`
`
` New London!
`
`New. Haven
`
`|I|I|
`
`l l i
`
`reg-«rag
`12%
`
`1'1 NOE
`
`lilo-x1111?!
`
`gNil"! 1-103 “fill
`
`ilr'tllln 5139 R?
`
`

`

`Legal Resources
`
`Foreclosure Prevention Clinics: The Connecticut Fair Housing Center. the Department of Banking. and the Judicisi
`Branch‘s Foreclosure Mediation Program present tree clinics for homeowners in foreclosure. The clinics offer information on
`the process and on preparing for court from a Center attorney. guidance on resources. for homeowners from the Department
`of Banking, and a description of the Mediation Program from a court mediator. Aiter the presentations. homeowners can talk
`about their situations one—on—one with volunteer attorneys and paralegals. The clinic in Hartford is the 3rd Tuesday evening
`of most months and is run by the Connecticut Fair Housing Center and the University of Hartford Paralegal Studies
`Program. The clinic in Fairfield County is the 3rd Wednesday evening of most months, is. sponsored by Bridgeport Mayor
`Bilt Finch. Stamford Mayor David Martin. and Norwelk Mayor Harry W. Riiling, and is run by. the Connecticut Fair Housing
`Center and Homes Saved By Faith. its location rotates among the 3 cities. More information on the clinics (inciuding times
`and. locations) is available on urn/w.crfairhousing.org or by caliing 1-888—2474431.
`
`Judicial Branch. Foreclosure Volunteer Attorney Program: Voiunteer attorneys are availaoie to give advice and answer
`questions about foreclosure of certain courthouses in the state. Homeowners facing foreclosure throughout Connecticut are
`welcome to attend. Call 880~263v2?34 ior additional information. or visit httpziljLid.ctgovivolnoteer_atty_prgm.l'i'lrri.
`
`Foreclosure Manual for Sch-Represented Homeowners: The Connecticut Fair Housing Center publishes
`“Representing Yourself in Foreclosure: A Guide for Connecticut Homeowners," a free. manual describing the foreclosure and
`mediation process for self-represented homeowners. Copies are availabie from CHFAIHUD‘appro‘ved housing counseiors. on
`www.ctfar‘rihousing.org, or by calling the Center at 1-888-24?-4401.
`
`Statewide Legal Services (8L8): 818 provides free legal advice and referrals for callers quaiir’vihg for its services
`(guidetines inciude income limits). You can reach SLS by ceiling 1-800-453-3320 or 860664-0383 or visiting wwwslsctorg.
`
`Court Service Centers: in certain Superior Court locations, Court Service Centers provide oublic acoess computers,
`printers, fax machines, copiers. phones, and work space for self-represented parties Refer to wwwjudctgov, and go to the
`Quick Links menu on the home page of the Judicial website for more information.
`
`Lawyer Referral Services: County Bar Associations in Connecticut offer referral services that introduce homeowners to
`lawyers who can answer questions ouring an initial half—hour consultation. You can send an emaii with your questions and
`availability. Services beyond the fist half—hour fee will be at the attorney’s usual fee.
`
`I
`
`
`Fee for 1:? hour
`
`
`Consuitation
`
`
`
`._._._____.___.._..____.._.__.__._.._______.._-__.WT.,...WWW.“m.“WWW.“Musiifi. M...“
`Phone
`1
`Coufity
`
`Website
`1
`Email
`
`.
`Fairfield
`' fcha@conversent.netm
`ivwnifai‘ifiefoiewyerreferrai. com
`203—33541 15
`535
`
`
`
`
`
`WWWheitfordbanorg W hcha@hartfordbar.org
`son-525.6952
`5525
`Hartford“
`
`
`
`wwwmwnavenbar.mg W“TiHconsumerismavenimrpr'g‘"Wham..-“ ‘
`203-562-5T50
`
`
`W| New Ha ,
`‘“s35W...
`
`
`1 nwwntcoaorg
`..i.§§_‘?fib.§‘1§i‘3_rfflrli§fl£95.:WW
`E New London
`[EGO—88943384
`S25
`*The Hartford County Bar also covers Litchfield, Middlesex. Toliend. and Windham Counties.
`
`
`
`
`
`
`How Foreclosure Rescue Scams Work. People in foreclosure are often the target of ”foreclosure rescue scams,"
`Be very careful of nonéewyers who ask you to pay a fee for counseling, loan. modification, foreclosure prevention. or a
`"forensic audit” of your icon documents. regardless of their. promises or claims. Many out-of—state attorneys target
`Connecticut residents: you should never pay attorneys that you do not meet. Contact the Department of Banking for more
`information. at 1877—4272—8313 or visit WWW.preventioanscsms. org.
`
`Mortgage Crisis Job Training Program, ihe state-funded. Mortgage Crisis Job Training Program is a project of‘fhe.
`WorkPiace, inc, in parinership ivééh the Connecticut Housing Finance Authority (CHFA), Capital Workforce Partners. and
`Connecticut‘s workforce system. The Program helps homeowners increase theirjob skiils and earning poéenti‘ai, it offers
`customizeo employment services, jot; training scholarships, financial literacy. and credit counseiing. For information call
`1-866—883~1 682 or go to WWW. workplace. org/mortgageesp.
`
`Financial Assistance Programs. Connecticut's 12 Community Action Agencies. {CAI-Xe}. help people meet immediate
`needs through services such as Eviction and Foreclosure Prevention. energyiheating assistance, food pennies. and
`Weatherization. CAAS also empower people to improve their financial future through empioymcnt services, financial literacy
`training, and other programs. To locaie your toes! CM call the Connecticut Association for Community Actionat
`850-332~9438 or visit: WWW.cafes.org/our~networi<_
`
`For more information on programs for homeowners facing financiat distress. review the Department of Banking‘s materiais on
`www.cfgov/dob or caii 1—877-472-8313. You can also cali Info line a: 2-i-i for resources.
`
`io-cv-izs Her. 445
`
`Page 2 of};
`
`i'ii'i'? iiin'il‘i
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`iii—(ii Baht: 53.9”:
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`Si?
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`