FILED: LIVINGSTON COUNTY CLERK 02/21/2019 03:09 PM
`NYSCEF DOC. NO. 31
`
`INDEX NO. 000721-2018
`
`RECEIVED NYSCEF: 02/21/2019
`
`fl A ÏÏ
`
`182'
`
`Mary
`Livingston
`
`F.
`
`Strickland
`
`County
`6 Court
`
`Geneseo,
`243-7010
`
`(585)
`
`, County
`Government
`Room
`Street,
`New York
`~ Fax
`
`201
`14454
`243-7928
`
`(585)
`
`Clerk
`Center
`
`Livingston
`
`County
`
`Clerk
`
`Recording
`
`Page
`
`Received
`
`From:
`MARK
`K. BROYLES
`ST STE
`28 E MAIN
`ROCHESTER,NY14614
`
`1800
`
`Document
`
`Type:
`
`CIVIL
`
`ACTION
`
`- MISC
`
`Plaintiff
`
`PENNYMAC
`
`LOAN
`
`SERVICES,
`
`LLC
`
`Return
`
`To:
`MARK
`K. BROYLES
`ST STE
`28 E MAIN
`ROCHESTER,NY14614
`
`1800
`
`Document
`
`Defendant
`
`Desc:
`
`EXHIBIT(S)
`
`DENNING
`DENNING
`JOHN
`
`MICHAEL
`JESSICA
`DOE AND JANE
`
`being
`Plaintiff
`premises
`
`of
`
`fictitious,
`to
`
`designate
`
`being
`
`it
`
`being
`
`any
`foreclosed
`
`DOE said
`the
`intention
`and
`
`names
`
`of
`
`occupants
`
`all
`
`herein
`
`Recorded
`
`Information:
`
`Index
`
`#:
`
`000721-2018
`
`State
`
`County
`
`of New York
`
`of
`
`Livingston
`
`EFiling
`
`through
`
`NYSCEF
`
`This
`
`sheet
`
`constitutes
`
`the
`
`Clerk's
`
`endorsement
`
`equit¤d
`
`by
`
`section
`
`319
`
`of
`
`the
`
`Real
`
`Property
`
`Law of
`
`the
`
`State
`
`of New York
`
`Livingston
`
`County
`
`Clerk
`
`AKB
`
`Do Not
`
`Detach
`
`

`

`FILED: LIVINGSTON COUNTY CLERK 02/21/2019 03:09 PM
`NYSCEF DOC. NO. 31
`
`# : 000721-2018
`Index
`INDEX NO. 000721-2018
`
`RECEIVED NYSCEF: 02/21/2019
`
`EXHIBIT
`
`E
`
`

`

`FILED: LIVINGSTON COUNTY CLERK 02/21/2019 03:09 PM
`NYSCEF DOC. NO. 31
`
`#: 000721-2018
`Index
`INDEX NO. 000721-2018
`
`RECEIVED NYSCEF: 02/21/2019
`
`PennyMac Loan Services, LLC
`PO Box 9109
`Ternecula CA 92589 9109
`
`Send Payments to:
`PennyMac Loan Services, LLC
`PO Box 30597
`Los Angeles. CA 90030 0597
`
`Send Correspondence to:
`PennyMac Loan Services, LLC
`
`os
`
`eles CA 90051 4387
`
`841 STONES
`CALEDONIA,
`
`LN
`NY 14423
`
`PRESORT
`First Class Mail
`U.S Postage and
`Fees Paid
`WSO
`
`NY_NOI(FC}
`
`

`

`FILED: LIVINGSTON COUNTY CLERK 02/21/2019 03:09 PM
`NYSCEF DOC. NO. 31
`
`InGeX W: UUUf 4 I-4U '°
`INDEX NO. 000721-2018
`
`RECEIVED NYSCEF: 02/21/2019
`
`Mæ®
`
`P 0. Box 514387
`Los Angeles. CA 90051 4387
`
`MICHAEL
`DENNING
`841 STONES
`LN
`NY 14423
`CALEDONIA,
`
`"°"°®°ª'®°4''''²°¹ª
`
`Number:
`Loan
`Address:
`Property
`841 STONES
`LN
`NY 14423
`CALEDONIA,
`
`NOTICE
`
`OF DEFAULT
`
`AND INTENT
`
`TO ACCELERATE
`
`ABOUT YOUR LOAN
`that you are in default under the terms of
`Tlils letter is formal notice by PennyMac Loan Services. LLC (herein as "PennyMac")
`the
`docurnents creating and securing your Loan described above, including the Note and Deed of Trust/Mortgage/Security Deed ("Security
`for failure to pay the arnounts due.
`Instrument").
`
`WHY YOU RECElVED THIS NOTICE
`The loan is due for 03/01/2018 and subsequent payments. plus late charges, and/or any escrow balance. fees and costs As of today. the
`total delinquency and reinstatement amount is $2,806.18, which consists of the following:
`
`Next Payment Due Date:
`Total Monthly Payments Due:
`2
`
`Late Charges:
`Other Charges:
`
`TOTAL YOU MUST PAY TO CURE DEFAULT:
`
`03/01/2018
`$2.609.50
`@ $1,304 75
`
`Uncollected NSF Fees:
`Property Preservation Fees:
`Property Inspection Fees:
`AppraisalsiBroker Price Opinions Fees
`Bankruptcy Fees:
`Unapplied Balance:
`
`$96.18
`$0.00
`$0.00
`$100.50
`$0.00
`$0.00
`($000)
`$2,806.18
`
`Toll-Free:
`
`(866) 545-9070
`M F 6:00 AM 6:00 PM PT
`Sat 7:00AM 11:00AM PT
`Toll Free Fax:(866) 577 7205
`
`Website:
`
`www,PennyMacUSA.com
`
`Payments:
`
`Standard Address:
`Secure Messaging Online:
`P.O. Box30597
`Create an account and/or log in to
`http://www.PennyMacUSA.com,then look for Los Angeles,CA 900300597
`Overnight Address:
`the SecuredMessageCenter to
`communicatewith us securely.
`Attn: LockboxOperationsPOB 30597
`20500BershawAve
`Carson,CA 90746
`(Pleasedonotsendcorrespondence)
`
`Correspondence:
`
`Attn CorrespondenceUnit
`P.O. Box514387
`Los Angeles,CA 900514387
`(Pleasedo notsendpayments)
`
`Page 2 of 4
`
`NY NOl 08 2015
`23318ti8236
`
`

`

`FILED: LIVINGSTON COUNTY CLERK 02/21/2019 03:09 PM
`NYSCEF DOC. NO. 31
`
`index E UUUmi-4U
`o
`INDEX NO. 000721-2018
`
`RECEIVED NYSCEF: 02/21/2019
`
`ACTION REQUIRED
`It is possible that after payment of
`the amounts detailed above there may be other
`fees still due and owing,
`but not
`including
`fees, escrow advances or corporate advances that Penny Mac paid on your behalf or advanced to your account.
`limited to other
`
`together with additional payments that subsequently become due, is not cured
`If the default,
`This letter is a formal demand to pay $2,806.18.
`the sums secured by the Security instrument may be accelerated, and PennyMac may invoke any remedies provided for in
`by 05/24/2018,
`the Noteand Security instrument, ncluding 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 aid avoki FDRECLOSURE.
`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 leam inore 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 / 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
`in addition to the regular monthly payments, additional charges costs and fees may become due
`become due by 05/24/2018 Note that
`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 POB 30597
`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
`PURPOSES ONLY AND DOES NOT CONSTITUTE A DEMAND FOR
`PROCEEDING, THIS NOTICE IS FOR INFORMATIONAL
`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.
`You may have the right to "cure' or reinstate the loan after acceleration. and the right to assert in a foreclosure proceeding, or to bring a
`the non existence of a default or any other defense to acceleration or foreclosure sale. Failure to respond to this
`court action to assert
`in the loss of your property. To the extent your obligation has been discharged or is subject to the automatic slay in a
`letter may result
`bankruptcy case, this notice is for informational purposes only and does not constitute a demand for payment or an attempt to collect a
`If you are represented by an attorney, please provide us with the attomey's name, address and
`debt as your personal obligation.
`telephone number.
`
`Servicemembers on active duty. or a spouse or dependent of such a servicemember,
`and Dependents:
`Attention Servic=mks
`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 and certain state laws provide important protections for you, including prohibiting foreclosure under
`If you are currently in the military servce. or have beon within the last 12 months, AND joined after signing the
`most circumstances.
`Note and Security Instrument now in default, please contact PennyMac Immediately. When contacting PennyMac as to your miitary
`service, you must provide positive proof as to your military status. Servicemernbers and dependents with questions about the SCRA
`their unit's Judge Advocate, or their installation's Legal Assistance Officer Homeowner counseling is also available at
`should contact
`1 800 342 9647) and Armed Forces Legal Assistance
`(www.mililaryonesotrce mil,
`agencies
`such
`as Military OneSource
`(http://www hud gov/offices/hsq/sf.h/hec/hes.cim).
`and through HUD certified housing counselors
`(http://legalassistance.law.af.mil),
`You can also contact us toll free at 1 856 545 9070 If you have questions about your rights under SCRA.
`
`If you are experiencing financial dificulty. you should know that there are several options availoble 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 specialize in helping homeowners who are facing
`these agencies immediately
`IInancial difficulty. Housing counselors can help you assess your financial condition and work with us to explore the possibility of
`Inodifying your loan, establishing an easier payment plan for you. or even working out a period of loan lorbearance. For your benefit and
`there are govemment approved homeownership counseling agencies designed to help homeowners avoid fosing their
`assistance,
`of
`obtain
`a
`list
`call
`1 800 569 4287
`homes.
`To
`approved
`please
`or
`visit
`agencies,
`counseling
`httg//www.hud.oov/offices/hsa/sfh/hcc/hes.cfm
`
`Page 3 of 4
`
`NY NOI08 2015
`23318 48236
`
`

`

`FILED: LIVINGSTON COUNTY CLERK 02/21/2019 03:09 PM
`NYSCEF DOC. NO. 31
`
`inceX U; UUUr
`INDEX NO. 000721-2018
`
`RECEIVED NYSCEF: 02/21/2019
`
`-
`
`•
`
`•
`
`•
`
`the Homoownership Presentation Foundatkri's Hope honine at 1 888 995 HOPE (4673).
`Ynu may catact
`If you wish, you rrey also
`contact us directly at 1 866 545 9070 and ask to discuss possible options or visit our webshe www.PennyMacUSA.com.
`
`to your loan documents, PennyMac may enter upon and conduct an Inspection of your property. The purposes of such an
`Pursuant
`inspection are to (i) obserw the physical condition of your property, and (11)verify that the property is occupied and/or (iii) determine the
`If you do not cure the default prior to the inepoction, other actions to protect
`the mortgagee·s interest
`in the
`the occupant.
`identity of
`limited to, winterization, securing the property, and valuation services) may be taken. The costs of
`the
`property (including, but not
`above described
`inspections
`efforts will be charged to your account as provided in your security
`and property preservation
`instrument.
`
`Penny Mac Is attempting to collect a debt, and any inf ormation 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 end
`national credit reporting agencies by PennyMac.
`
`this notice will Dat cancel
`forbearance or other loan assistance sdution.
`If your ican is currently being evaluated for a loan modification,
`or delay that evaluation process. However,
`that you prornptly respond to all requests made in connection with your
`it Is trrportant
`including all requests for you to contact us and any documentation required.
`evaluation for a loan assistance solution,
`If you do not
`It may cause your loan to enter the foreclosure process as Indicaed in this notice.
`If your
`complywith these requests in a tirnely manner,
`loan is not eligble for a ban assistance program, pleasenote this letter will continue to serve as notice d our right to initiate foreclosure.
`
`QUESTIONS? CONTACT US
`If pu have any questions, please call a Loan Specialist at 1 886 545 9070. Our office hours are 6·00 AM to 6:00 PM (PST) Monday
`through Friday, 7:00 AMto11:00 AM (PST) on Saturday.
`
`This collection agency is Icensed by the New York City Department of Consumer Affairs, Ucense Numbers
`residents:
`NIEW1ORK
`1294096 and 1467388. This colection agencyIs licensed by the City of Buffalo, Ucense Number 551910.
`
`in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. section 1692 et seq.. debt coAectors are prohibited from engaging b
`including but not Binited to (1)the use or threat of violence: (11)the use of obscene or
`abusive, decep1lve, and unfair debt eBection efforts,
`profane language; and (111)repeated phone calls inade wilh the intent toannoy, abuse, or harass.
`
`receives a rnoney judgment against you In court, state a1d federal
`laws prevent the following types
`If a oreditor or debt colector
`NEW YORK
`of income from being taken to pay the debt: 1) Supplemertal
`security incorne (SSI); 2) Social security; 3) Public assistance (welfare); 4)
`Worlers' compensation benefits;
`Spousal support, mairtenance (allmony) or child support; 5) Unemployment berie1Its; 6) Disability benefits; 7)
`Veterans' benefits; 10) Federal student
`loans, federal student grants, and federal wuk study imds; and 11)
`8) Pubilc or prhete pensions; 9)
`Ninety percent of your wagee or salary earned in the last sixty days,
`
`Residential nwtgage loan servicers are regulated by the Oregon DMsion of Financial Regu1stion, To file a complaint, cal
`OREGON
`814 9710 or visit http·//dfr.oregon.gov.
`
`(866)
`
`to collect a debt and any Information
`This is an attempt by a debt collector
`obtained will be used lor that purpose, However,
`p.
`gs or If you have received a discharge In bankruptcy,
`this statement
`account
`is subject
`to pending bankruptcy
`to collect a debt against you personally.
`only and is not an attempt
`Inforinational
`purposes
`
`If your
`is ibr
`
`Licensing Information
`
`em Equal Housing Opportunity © 2008 2018 PennyMac Loan Sendces, LLC, 3043 Townsgate Rd. Suite 200, Wesnake Village, CA 91361,
`
`Tradefservice marks are the property of PennyMac Loan Services, LLC
`818 224 7442. NMLS ID # 35953 (www.nmisconsumeraccess.org).
`and/or its subsidiaries or affiliates. Arizona Mertgage Banker License # 0911088. Licensed by the Department of Business Oversight under the
`by the DIwston of Real Estate. Colorado office: 700 17th St, Suite 200,
`Califomia Residential Mortgage Landing Act, Colorado: Ro;;:&d
`Denver, CO 80202, (866) 436 4766. Georgia Residential Mortgage Ucensee #33027.
`Illinois Residential Mortgage Licensee # MB.6760595.
`Massachusetts Mortgage Lander License # ML35953. Minnesda: This is not an offer to enter into an agreement and an offer rney only be
`to Minn. Stat. §47.206 (3) & (4), Ucensed by the N.J. Department of Bankhg and insurance. North Carolina Permit No.
`made pursuant
`104753. 112228. Rhode Island Lander License # 20092600LL Washington Consumer Loan License # CL 35953. For more Information,
`licenses. Loans not available in New York. Some products may not be available In all states.
`please visit www.pennymacusa.com/state
`to change without prior notice at the sole discretion of PennyMac Loan Services, LLC. All
`rates and pricing are subject
`toon
`nformation,
`to borrowers rnesting appropriate underwriting conditions. This is not a comrnitment
`ograms sub)oct
`to lend. Other restrictions apply. Al
`hts reserved. (01 2018)
`
`Page 4 of 4
`
`NY NOI 0s 2015
`2333 848236
`
`

`

`FILED: LIVINGSTON COUNTY CLERK 02/21/2019 03:09 PM
`NYSCEF DOC. NO. 31
`
`#: 000721-2018
`Index
`INDEX NO. 000721-2018
`
`RECEIVED NYSCEF: 02/21/2019
`
`PennyMac Loan Serv ces, LLC
`PO Box 9109
`Temecula CA 92589 9109
`
`Send Payments to:
`PennyMac Loan SerVFCes,LLC
`PO Box 30597
`Los Angeles. CA 90030 0597
`
`Send Correspondence to:
`PennyMac Loan Services, LLC
`
`A el
`
`CA 90051 4387
`
`23318tl8237
`
`841 STONES
`CALEDONIA,
`
`LN
`NY 14423
`
`PRESORT
`First Class Mail
`U S Postage and
`Fees Paid
`WSO
`
`NY NOl{FC}
`
`

`

`FILED: LIVINGSTON COUNTY CLERK 02/21/2019 03:09 PM
`NYSCEF DOC. NO. 31
`
`#: 000721-2018
`Index
`INDEX NO. 000721-2018
`
`RECEIVED NYSCEF: 02/21/2019
`
`sm Mr
`
`P.O. Box 514387
`Los Angeles, CA 90051 4387
`
`DENNING
`JESSICA
`841 STONES
`LN
`NY 14423
`CALEDONIA,
`
`"°''°•°•''
`
`°4''''2°'"
`
`Number:
`Loan
`Address:
`Property
`841 STONES
`LN
`NY 14423
`CALEDONIA,
`
`NOTICE
`
`OF DEFAULT
`
`AND INTENT
`
`TO ACCELERATE
`
`ABOUT YOUR LOAN
`This letter is formal nodce by PennyMac Loan Services, LLC (herein as "PennyMac")
`that you are in default under the terms of
`the
`documents cragaing and securing your Loan descrbed above,
`including the Note and Deed of Trust/Mortgage/Security Dead ("Security
`for failureto pay the amounts due.
`Instrument"),
`
`WHY YOU RECEIVED THIS NOTICE
`The loan is due for 03/01/2018and s±get
`psyrnents, plus late charges, and/or any escrow balance, fees and costs. As of laday, the
`total de)Inquency and reinstatement emount Is $2,806.18, which consists of the folkming:
`
`Next Payment Due Date:
`Total Monthly Payments Due.
`2
`
`Late Charges"
`Other Charges:
`
`TOTAL YOU MUST PAY TO CURE DEFAULT:
`
`0301/2018
`$2,609.50
`@ $1,304.75
`
`Uncollected NSF Fees:
`Property Presenetion Feas:
`Property InspectionFees:
`Appraisals\Broker Price Opinions Fees:
`Bankruptcy Fees:
`Unepplied Balance·
`
`$96.18
`$0.00
`$0.00
`$100.60
`50.00
`50.00
`($0.00)
`$2,806.18
`
`Toll-Free:
`
`(866) 545-9070
`M F 6:00AM 6:00 PMPT
`Sa 700 AM 1190 AM PT
`Toll Free Fax·(886) 577 7205
`
`Website:
`
`www.PennyMacUSA.com
`
`Payments:
`
`Standard Address:
`Secure Messaging OnlIne:
`Create an account andbt log In to
`P.O. Box 30597
`htp·JAvww.PennyMacUSA.com.tion look for Los Angeles,CA 90030 0597
`the Secured MassageCenterto
`Ovemight Address:
`cornrnunicatewith us securely.
`Attn: LockboxOperations POB3D597
`20500 BolshawAve
`Carson. CA 90746
`(PInse do notsendcorrespondence)
`
`Correspondence:
`
`Ath: CorrespondenceUnn
`P.O.Box514387
`LosAngeles, CA 900614387
`Pl•medonot sendpayments
`
`Page 2 of 4
`
`NY NOI 08 2015
`233184823?
`
`

`

`FILED: LIVINGSTON COUNTY CLERK 02/21/2019 03:09 PM
`NYSCEF DOC. NO. 31
`
`#: 000721-2018
`Index
`INDEX NO. 000721-2018
`
`RECEIVED NYSCEF: 02/21/2019
`
`ACTION REQUIRED
`but not
`fees still due and owing,
`the amounts detailed above there may be other
`It is possible that after payment of
`including
`fees, escrow advances or corporate advances that PennyMac paid on your behalf or advanced to your account.
`limited to other
`
`If the default, together with additional payments that subsequently become due, is not cured
`This letter is a forrnal demand to pay $2,806.18
`the sums secured by the Security Instrument may be accelerated, and PennyMac may invoke any remedies provided for in
`by 05/24/2018,
`including but not limited to the foreclosure sale of the propedy
`the Note and Security instrument
`IF YOU ARE UNABLE TO BRING YOUR ACCOUNT CURRENT, PennyMac offers consumer assistance programs designed to help
`These services are provided withoul cost to our customers
`You may be eligible for a
`resolve delinquencies and avoid FORECLOSURE.
`loan workout plan or other similar alternatives
`If you would like to learn more about these programs, you may contact the Loss Miligation
`Department at 1 866 545 9070, 6:00 AM 6:00 PM PT Monday through Friday / 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
`in addition to the regular monthly payments, additional charges, costs and fees may become due
`become due by 05124/2018 Note that
`during the period between today's date and the date the aforementioned payments are due. You rnay 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 Ovemight:
`
`PennyMac Loan Services, LLC
`Attn: Lockbox Operations POB 30597
`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
`THIS NOTICE IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE A DEMAND FOR
`PROCEEDING,
`TO COLLECT AN INDEBTEDNESS
`AS YOUR PERSONAL OBLIGATION.
`IF YOU ARE
`PAYMENT OR AN ATTEMPT
`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.
`You may have the right to "cure" 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
`in the loss of your property. To the extent your obligation has been discharged or is subject
`to the automatic slay in a
`letter may resull
`bankruptcy case, this notice is for informational purposes only and does not constitute a demand for payment or an attempt to collect a
`If you are represented by an attomey, please provide us with the attorney's name, address and
`debt as your personal obligation.
`telephone number.
`
`Servicemembers on active duty, or a spouse or dependent of such a servicemember,
`and Dependents:
`Attention Servicam;mbers
`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 and certain state laws provide important protections for you, including prohibiting foreclosure under
`If you are currently in the military service. or have been within the last 12 months, AND joined after signing the
`most circumstances.
`Note and Security Instrument now in default, please contact PennyMac knmediately 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
`their unit's Judge Advocate, or their installation's Legal Assistance Officer. Homeowner counseling is also available at
`should contact
`(www.militaryonesource.mil
`1 800 342 9647)
`and Armed Forces
`Legal Assistance
`agencies
`such
`as Military OneSource
`and through HUD certified housing counselors
`(http://legalassistance.law.af.mll),
`(http.//www.hud.qov/offices/hsq/sfh/hcc/hcs.ctrn)
`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 govemment approved housing counseling agency which provides free or low cost housing counseling. You
`these agencies immediately. These agencies specialize in helping homeowners who are facing
`should consider contacting one of
`financial difficulty. Housing counselors can help you assess your financial condition and work with us to explore the possibility of
`modifying your loan, estabilshing an easier payment plan for you, or even working out a period of loan forbearance. For your benefit and
`there are govemment approved homeownership counseling agencies designed to help homeowners avoid losing their
`assistance,
`call
`or
`1 800 569 4287
`homes.
`obtain
`a
`list
`of
`approved
`please
`To
`visit
`agencies,
`counseling
`http://www.hud.qgv/offices/hsq/sfh/hcc/hes.çfm.
`
`Page 3 of 4
`
`NY NOI08 2015
`233184 8237
`
`

`

`FILED: LIVINGSTON COUNTY CLERK 02/21/2019 03:09 PM
`NYSCEF DOC. NO. 31
`
`InGeX W: UUUf 4 -
`INDEX NO. 000721-2018
`
`RECEIVED NYSCEF: 02/21/2019
`
`•
`
`•
`
`•
`
`•
`
`You rnay contact
`If you wish. you may also
`the Homeownership Preservation Foundatioris Hope hotline at 1 888 995 HOPE (4673).
`contact us directly at 1 866 545 9070 and ask to discuss possible options or visit our website www.PennyMacUSA.corn.
`
`The purposes of such an
`to your loan documents, PennyMac may enter upon and conduct an inspection of your property
`Pursuant
`inspection are to (i) observe the physical condition of your property, and (11)verify that the property is occupied and/or (iii) detemline the
`If you do not cure the default prior to tho inspection, other actions to protect
`the mortgagee's interest
`in the
`identity of the occupant,
`valuation services) may be taken
`property (including, but not limited to, winterization, securing the property. ad
`The costs of
`the
`above described
`Inspections
`efforts will be charged to your account as provided in your security
`and property preservation
`instrument.
`
`obtained will be used for that purpose.
`to collect a debt, and any information
`is sttempting
`PennyMac
`You are notilled 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.
`
`this notice will 0c1 cancel
`forbearance or other loan assistance solution,
`if your loan is currently being evaluated for a loan modification,
`or delay that evaluation process. However,
`it is irnportant
`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, 700 AM to 11:00 AM (PST) on Saturday
`
`This collection agency is licensed by the New York City Department of Consumer Affairs, License Numbers
`NEW YORK residents:
`1294096 and 1467388. This collection agency is licensed by the City of Buffalo, License Number 551910.
`
`In accordance with the Fàr 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: (1) 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
`
`If a creditor or debt collector receives a rnoney judgment against you in court. state and federal laws prevent the following types
`NEW YORK
`of income from being taken to pay the debt 1) Supplemental security income (SSI), 2) Social security; 3) Public assistance (welfare); 4)
`Workers' compensation benefits;
`Spousal support, maintenance (alimony) or child support, 5) Unemployment benents; 6) Disability benefits; 7)
`Veterans' benefits; 10) Federal student
`toans, federal student grants, and federal work study funds, and 11)
`8) Public or private pensions; 9)
`Ninety percent of your wages or salary earned in the last sixty days.
`
`Residential mortgage loan servicers are regulated by the Oregon Division of Financial Regulation To file a complaint, call (866)
`OREGON
`814 9710 or visit httoJ/dfraeoon.cov.
`
`obtained will be used for that purpose. However,
`to collect a debt and any infortnation
`This is an attempt by a debt collector
`or if you have received a discharge in bankruptcy,
`is subject
`to pending banIrruptcy
`this statement
`proceedings
`account
`only and is not an attempt
`to collect a debt against you personally.
`purposes
`informational
`
`if your
`is for
`
`Licensing information
`
`Equal Housing Opportunity © 2008 2018 PennyMac Loan Services, LLC. 3043 Townsgate Rd. Suite 200, Westlake Village. CA 91361,
`Trade/service marks are the property of PonnyMac Loan Services, LLC
`818 224 7442. NMLS ID # 35953 (www.nmisconsurneraccess.org)
`and/or its subsidiaries or affiliates. Arizona Mortgage Banker License # 0911088. Licensed by the Department of Business Oversight under the
`California Residentist Mortgage Lending Act. Colorado: Regulated by the Division of Real Estate. Colorado office: 700 17th St. Suite 200,
`Denver, CO 80202, (866) 436 4766. Georgia Residential Mortgage Licensee #33027 Illinois Residential Mortgage Licensee ft MB.6760595.
`Massachusetts Mortgage Lender License # ML35953. 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. North Carolina Permit No
`104753. 112228 Rhode island Lander License # 20092600LL Washington Consumer Loan License # CL 35953. For more information.
`Loans not available in New York. Some products may not be avadable in all states
`please visit www-pennymacusa.com/state licenses
`to change without prior notice at the sole discretion of PennyMac Loan Services. LLC All
`loan
`rates and pricing are subject
`Information,
`to borrowers meeting appropriate underwdting condilions This is not a commitment
`programs sutject
`to lend. Other restrictions apply. All
`rights reserved (01 2018)
`
`Page 4 of 4
`
`NY NOI 08 2015
`233184 8237
`
`

`

`FILED: LIVINGSTON COUNTY CLERK 02/21/2019 03:09 PM
`NYSCEF DOC. NO. 31
`
`#: 000721-2018
`Index
`INDEX NO. 000721-2018
`
`RECEIVED NYSCEF: 02/21/2019
`
`PennyMac Loan Services, LLC
`PO Box 9109
`remecula, CA 92589 9109
`
`Send Payments to
`PennyMac Loan Senaces, LLC
`PO Box 30597
`Los Angeles, CA 90030 0597
`
`Send Correspondence to:
`PennyMac Loan Services, LLC
`
`L Ang e.s CA 90051 4387
`
`EmbEWatRAIAMMMAMAEL
`
`ELIE:1LWI b
`
`RETURN
`
`RECElPT
`
`(ELECTRONIC)
`
`841 STONES
`CALEDONIA,
`
`LN
`NY 14423
`
`PRESORT
`First Class Mail
`U S. Postage and
`Fees Paid
`WSO
`
`NY NOl{CM}
`
`

`

`FILED: LIVINGSTON COUNTY CLERK 02/21/2019 03:09 PM
`NYSCEF DOC. NO. 31
`
`-
`o
`inaex w: u99,z
`INDEX NO. 000721-2018
`
`RECEIVED NYSCEF: 02/21/2019
`
`s
`
`P.0 Box 514387
`Los Angeles, CA 90051 4387
`
`DENNING
`MICHAEL
`LN
`841 STONES
`NY 14423
`CALEDONIA,
`
`04/19/2018
`Date:
`Notice
`Mail
`Sent Via Certified
`9314 8100 1170 0955 6436 76
`
`Number:
`Loan
`Address:
`Property
`841 STONES
`LN
`NY 14423
`CALEDONIA,
`
`NOTICE
`
`OF DEFAULT
`
`AND INTENT
`
`TO ACCELERATE
`
`ABOUT YOUR LOAN
`This letter is formal notice by PennyMac Loan Services, LLC (herein as "PennyMac")
`that you are in default under the terms of
`the
`docurnents creating and securing your Loan described above.
`including the Note and Deed of Trust/Mortgage/Security Deed ("Security
`for lailure to pay the arnounts due.
`InstrumenF).
`
`WHY YOU RECEIVED THIS NOTÅE
`The loan is due for 03/01/2018 and subsequent payments, plus late charges, and/or any escrow balance, fees and costs As of today. the
`total dehnquency and reinstatement amount is $2,806.18, which consists of the following:
`
`Next Payment Due Date:
`Total Monthly Payments Due:
`2
`
`Late Charges:
`Other Charges:
`
`TOTAL YOU MUST PAY TO CURE DEFAULT:
`
`03/01/2018
`$2.609.50
`@ $1,304.75
`
`Uncollected NSF Fees:
`Property Preservation Fees:
`Property Inspection Fees:
`AppraisalsiBroker Price Opinions Fees:
`Bankruptcy Fees:
`Unapplied Balance:
`
`$96 18
`50.00
`50.00
`$100.50
`$0.00
`$0.00
`($0.00)
`$2,806.18
`
`Toll-Free:
`
`(866) 545-9070
`M F 6:00 AM 6:00 PM PT
`Sat 7:00 AM 11:00AM PT
`Toll Free Fax:(866) 577 7205
`
`Website:
`
`www.PennyMacUSA.com
`
`Payments:
`
`Standard Address:
`Secure Messaging Online:
`Create an account and/or log m to
`P.0 Box 30597
`http://www.PennyMacUSA.com.then look for Los Angeles. CA 900300597
`Overnight Address:
`the Secured MessageCenterto
`cornrnunicatewith us securely.
`Attn: LockboxOperationsPOB 30597
`20500BetshawAve
`Carson, CA 90746
`(Pleasedo notsendcorrespondence)
`
`Correspondence:
`
`Attn: CorrespondericeUnit
`P.0 Box574387
`Los Angeles,CA 900514387
`(Pleasedonotsendpayrnents)
`
`Page 2 of 4
`
`NY NOI08 2015
`9314 8100 1170 O'I55 64 36 76
`
`

`

`FILED: LIVINGSTON COUNTY CLERK 02/21/2019 03:09 PM
`NYSCEF DOC. NO. 31
`
`Index E UUU/ZNU
`o
`INDEX NO. 000721-2018
`
`RECEIVED NYSCEF: 02/21/2019
`
`ACTION REQUIRED
`the amounts detailed above there may be other
`It is possible that after payment of
`fees still due and owing,
`but not
`including
`fees, escrow advances or corporate advances that PennyMac paid on your behalf or advanced to your account.
`limited to other
`
`If the default, together with additional payrnents that subsequently become due, is not cured
`This letter is a formal demand to pay $2,806.18
`by 05/2412013, the sums secured by the Security Instrument may be accelerated. and PennyMac rnay 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 assistanco programs designed to help
`to our customers. You may be eligible for a
`resolve delinquencies and avoid FORECLOSURE
`These services are provided without cost
`loan workout plan or other similar altematives.
`If you would Ilke 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 / 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
`in addition to the regular monthly payments, additional charges, costs and fees may become due
`become due by 05/24/2018 Note that
`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 informatim.
`
`Please