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Communicates that the borrower’s loan is in default and explains the potential risk of losing the home. Provides instructions to cure the default by paying the specified amount by the given date, and recommends immediate contact with government-approved housing counseling agencies for free or low-cost assistance. 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Under New York State Law, we are required to send you this notice to inform you that you are at risk of losing\u003Cbr>your home. You can cure this default by making the payment of__________ dollars by   .\u003Cbr>If you are experiencing financial difficulty, you should know that there are several options available to you that may help you keep your home. Attached to this notice is a list of government approved housing counseling agencies in your area which provide free or very low-cost 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. If you wish, you may also contact us directly at   and ask to discuss possible options.\u003Cbr>While we cannot assure you 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.\u003Cbr>If this matter is not resolved 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) .\u003Cbr>If you need further information, please call the New York State Banking Department’s toll free helpline at 1-877-Bank-NYS (1-877-226-5697) or visit the department’s website at [http://www.banking.state.ny.us](http://www.banking.state.ny.us). |","cbCaicwLNS4RzdMg","https://ap.wps.com/l/cbCaicwLNS4RzdMg","pdf",26766,"English","# Sample 90-Day Pre-Foreclosure Notice\n## Cure the default and seek assistance\n## Timeline and potential legal action","[{\"question\":\"What does the 90-day pre-foreclosure notice tell the borrower?\",\"answer\":\"It informs the borrower that the home loan is in default and that the borrower could lose the home under New York State law.\"},{\"question\":\"How can the borrower cure the default within the notice period?\",\"answer\":\"The borrower can cure the default by making the required payment by the stated date.\"},{\"question\":\"What options are offered to help the borrower avoid foreclosure?\",\"answer\":\"The notice recommends contacting government-approved housing counseling agencies and explains that counselors may help explore loan modification, easier payment plans, or forbearance. The borrower may also contact the servicer directly to discuss options.\"}]","Foreclosure Pro Se - Sample 90-Day Pre-Foreclosure Notice - How to Represent Yourself in Foreclosure | PDF",1789566815]