C/O PHH Mortgage Services |PO BOX 24738

West Palm Beach FL 33416

11/19/24 11:03 PM 14 0005887 20241119 27547103 I041 1 oz DOM 2754710000 I041 PHMS
DTADDTDDTAAATFTDFFDAADDTFADDATAAFDTFDTTAFTDTDTFATFTFTFFFDDAAFFFAD To obtain information about your account:
SAMUEL AYENI Visit: www.MortgageQuestions.com
SAMUEL AYENI Call toll free: 1-888-820-6474
VICTORIA
VICTORIA AYENI
AYENI Email us: CustomerCare@mortgagefamily.com
145 GOODWIN
145 GOODWIN AVE AVE Fax: 1-856-917-8300
NEWARK,
NEWARK NJ 07112-1806
NJ 07112-1806 Hours: Monday through Friday 8:00AM to 9:00PM ET
and Saturday 8:00AM to 5:00PM ET

Loan number: 7090715975

Payment Date: 12/1/2024
Your monthly mortgage statement dated: November 19, 2024 Payment Amount: $11,654.76

Bankruptcy Message Explanation of Payment Amount

Our records show that you are a debtor in bankruptcy. We are sending this statement (Post-Petition Payment)
to you for informational and compliance purposes only. It is not an attempt to collect a Principal $298.51
debt against you. Interest $483.80
Escrow (Taxes and/or Insurance) $1,160.15
If your bankruptcy plan requires you to send your regular monthly mortgage payments to the Optional Products/Other $0.00
Trustee, you should pay the Trustee instead of us. Please contact your attorney or the Trustee Regular Monthly Payment $1,942.46
if you have questions. Total New Fees and Charges $0.00
If you want to stop receiving statements, write to us at: PHH Mortgage Services Outstanding Unpaid Fees, Returned Item Charges $0.00
PO Box 24736 and Shortages
West Palm Beach, FL 33416 Past Unpaid Amount $9,712.30
Total Payment Amount $11,654.76
Account Information The Payment Amount does not include any amount that was past due before you filed for bankruptcy.
Property Address 145 GOODWIN AVE
NEWARK, NJ 07112 Important Messages
Outstanding Balance (not payoff amount) $182,204.72 We have not received all of your mortgage payments due since you filed for bankruptcy.
Current Interest Rate 3.9000 % This statement may not show recent payments you sent to the Trustee that the Trustee has not
Prepayment Penalty No yet forwarded to us. Please contact your attorney or the Trustee if you have questions.
Escrow Balance -$152,013.39 The Total Amount shown above does not include any stipulated payment(s) from any Agreed
Suspense Balance $647.89 or Consent Order entered by the bankruptcy court. Please refer to the Order or contact your
Maturity Date 9/1/2036 attorney to determine any stipulated payment amount(s) and terms.
*Partial Payments: Any partial payments listed here are not applied to your mortgage, but
Past Payments Breakdown instead are held in one or more separate suspense accounts. Once we receive funds equal to
Paid Since Last Statement Paid Year to Date a full monthly payment, we will apply those funds to your mortgage.
Principal $0.00 $0.00 Please note that this is not the payoff quote and any amount less than the payoff quote will be
Interest $0.00 $0.00 returned. Please contact us for payoff quote.
Escrow (Taxes and/or Insurance) $0.00 $0.00
Fees $0.00 $0.00
Optional Products $0.00 $0.00
Partial Payment (Unapplied)* $0.00 $647.89
Total $0.00 $647.89

Transaction Activity
Posted Received/ Description Principal ($) Interest ($) Escrow ($) Fees & Suspense & Optional Total ($)
Date Credited Shortages Other ($) Products ($)
Date ($)
10/21 City/Town Tax NEWARK CITY * $0.00 $0.00 -$2,682.73 $0.00 $0.00 $0.00 $2,682.73
11/06 Hazard Insurance AMERICAN SECURITY INS $0.00 $0.00 -$206.50 $0.00 $0.00 $0.00 $206.50
CO

Important Information

Reminder! PHH Mortgage will be changing its name to Onity Mortgage soon. There is nothing you need to do now. Please go to our website for more information.

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If you are making a payment, make your check Payment Date 12/1/2024
payable to PHH Mortgage Services. Regular Monthly Payment $1,942.46
Total New Fees and Charges $0.00
Loan Number: 7090715975 Outstanding Unpaid Fees, Returned
SAMUEL AYENI Item Charges and Shortages $0.00
VICTORIA AYENI Past Unpaid Amount $9,712.30
Total Payment Amount $11,654.76

Total check enclosed $___________________














PHH Mortgage Services

ATTN:SV 19
PO BOX 24781
WEST PALM BEACH FL 33416-4781

99 954 7090715975 0000198157 0000194246 8

For your information
Contact information for property damage and loss draft checks
PHH Mortgage Services will perform all servicing activities for your mortgage loan.
Mailing address: Phone: 1-888-882-1855
Pay by phone: PHH Mortgage Services
You can make a payment by calling the phone number on the front of the statement. Payments Attention: Loss Draft Department
made before 9 PM ET Monday through Friday (excluding holidays) will be processed and P.O. Box 7459
applied to the account the same day the payment is made; the payment will be effective the Springfield, OH 45501-7459
day it was made. Payments made after 9 PM ET Monday through Friday, on weekends, and Requests for information and Notices of Error, including Qualified Written Requests
on holidays will be processed and applied to the account the next business day, the payment If you wish to request information or assert an error relating to the servicing of your mortgage
will still be effective the day it was made. loan, including any Qualified Written Requests, you must use the address below and include
How we process your payment your name, your mortgage loan account number, property address and a statement of either
When you provide a check as payment, you authorize us either to use the information from the information you are requesting or the error you believe has occurred:
your check to make a one-time electronic fund transfer from your account, or to process the PHH Mortgage Services
payment as a check transaction. When we use information from your check to make an P.O.Box 24695
electronic fund transfer, funds may be withdrawn from your account as soon as the same day West Palm Beach, FL 33416
we receive your payment, and you will not receive your check back from your financial
Fees
institution. If you would like to opt out of this program or if you have any questions, please call
The following is a list of fees we charge for the services indicated. We may charge a fee for
us at the phone number shown on the front of this statement.
this service subject to applicable provisions of the Bankruptcy Code and other applicable law.
Receipt and Crediting of Payments
Additional fees may apply for services not listed. For additional information regarding fees, you
Payments received Monday-Saturday at the address on the payment coupon provided will be
or your Bankruptcy Counsel may contact us at the number on the front of your statement.
credited the date of receipt if 1) in US dollars in the form of a check drawn on a US Bank, and
2) received in the envelope provided with the payment coupon enclosed. All other mailed
Loan History $0 - $10.00 Returned Payment Fee $0 - $25.00
payments are considered to be non-conforming and may not be credited for up to 5 business Paying by Phone or Web $0 - $17.50 Lien Release $0 - $15.00
days. Please write your loan number on your check and do not send cash or attach your check Wire Fee $0 - $25.00 Certified Mail Fee $0 - $15.00
to the payment coupon. Payments that otherwise comply with the 2 criteria stated but are Payoff Quote $0 - $30.00
received on legal holidays or on a Sunday may not be credited until the next business day.
Information about taxes Commercial Loans are not subject to the above listed fees, commercial fees are assessed in
If you have an escrow account, we’ll arrange with your tax authority to have your regular tax accordance with applicable statutes, regulations, and as agreed upon by the interested parties.
bills sent directly to us. However, some tax authorities may continue to send your regular tax
bills to you directly. Your tax authority will send other types of tax bills, such as corrected, Important Information
supplemental or special assessment bills, directly to you. If you have an escrow account and This communication is from a debt collector attempting to collect a debt; any information
you receive a tax bill, write your loan number on the bill and send it as soon as possible to: obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been
PHH Mortgage Services discharged through bankruptcy, this communication is provided purely for informational
Attention: Tax Department purposes only with regard to our secured lien on the above referenced property. It is not
P.O. Box 24665 intended as an attempt to collect a debt from you personally. As may be required by state law,
West Palm Beach, FL 33416-4665 you are hereby notified that a negative credit report reflecting on an accountholder’s credit
For information about your escrow account, such as the date taxes were paid, the amount of record may be submitted to a credit reporting agency if credit obligation terms are not fulfilled.
taxes paid, or the property description used for tax purposes, visit the website shown on the
front of this statement. Information about Mortgage Counseling or Assistance
Information about hazard insurance If you would like contact information for counseling agencies or programs in your area, call the
Maintaining a property insurance policy with the appropriate coverage and deductible amounts U.S. Department of Housing and Urban Development (HUD) at 800-569-4287 or visit
is a requirement under the Mortgage. To protect the mortgaged property, we request that you www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm.
provide proof of Hazard Insurance Coverage, Fire and Extended Coverage, including Additional educational resources are available at Fannie Mae’s Know Your Options website,
windstorm and earthquake coverage, if required under the Mortgage. If your home is located in https://www.fanniemae.com/.
a FEMA designated flood zone, the Mortgage also requires that appropriate flood insurance be
maintained.
If we do not receive the requested proof of insurance coverage we may purchase
lender-placed insurance, after sending notice of our intent to do so. The coverage we obtain
may not be comparable to a policy that you would choose. The cost of such insurance may be
added to the monthly payment amount if you are making payments to keep the mortgage
current, or may be recoverable from the proceeds of a foreclosure sale, pursuant to the
Mortgage and applicable law, should foreclosure take place.
Contact information for general insurance
Mailing address: Phone: 1-888-882-1855
PHH Mortgage Services Fax: 1-937-525-4210
Attention: Insurance Department
P.O. Box 5954
Springfield, OH 45501-5954
For insurance updates, visit www.mycoverageinfo.com/mortgagefamily or send via email to
MortgageFamily@MyCoverageinfo.com.

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C/O PHH Mortgage Services |PO BOX 24738
West Palm Beach FL 33416
To obtain information about your account:
SAMUEL AYENI Visit: www.MortgageQuestions.com
Call toll free: 1-888-820-6474
VICTORIA AYENI Email us: CustomerCare@mortgagefamily.com
Fax: 1-856-917-8300
Hours: Monday through Friday 8:00AM to 9:00PM ET
and Saturday 8:00AM to 5:00PM ET
Loan Number: 7090715975

Summary of Amounts Past Due Before Bankruptcy Filing

(Pre-Petition Arrearage)
Paid Last Month $0.00 This box shows amounts that were past due when you filed for
Total Paid During $647.89 bankruptcy. It may also include other allowed amounts on your mortgage
Bankruptcy loan. The Trustee is sending us the payments shown here. These are
separate from your regular monthly payments.
Current Balance $264,116.10

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 To obtain information about your account:
SAMUEL AYENI Visit: www.MortgageQuestions.com
Call toll free: 1-888-820-6474
VICTORIA AYENI Email us: CustomerCare@mortgagefamily.com
Fax: 1-856-917-8300
Hours: Monday through Friday 8:00AM to 9:00PM ET
and Saturday 8:00AM to 5:00PM ET
Loan Number: 7090715975

IMPORTANT INFORMATION ABOUT THE MORTGAGE LOAN ACCOUNT

Dear SAMUEL AYENI,

This letter and the enclosed privacy notice contain important information about the mortgage loan account. Please
review the documents carefully.

Why am I receiving this letter?

PHH Mortgage Services is providing the enclosed privacy notice to you on behalf of Newrez LLC, the company that
has acquired the rights to service the mortgage loan account. Pursuant to Gramm Leach Bliley Act, we are required to
deliver this notice to you each calendar year.

Does this letter change anything about the servicing of my mortgage loan account?
No. The enclosed privacy notice does not change the servicing of the mortgage loan account. PHH Mortgage Services
will continue to perform all servicing activities for your loan. There is no change in the payee to whom you will make
your payment, address to which payment must be delivered, account number or amount of payment due.

Do I need to take any action?

Maybe. No action is required on your part unless you wish to make changes to your privacy settings, but we
encourage you to review the enclosed privacy notice carefully. If you’ve updated your privacy settings prior to
receiving this annual Newrez LLC notice, you will NOT need to take action again.

What if I have questions?

If you have any questions about the mortgage loan or enclosed privacy notice, please contact PHH Mortgage
Services at the following toll free number: 1-888-820-6474 or you can find information about your account online at
www.MortgageQuestions.com.

Sincerely,
PHH Mortgage Services

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 Rev. 09/23

FACTS WHAT DOES NEWREZ LLC DO WITH YOUR PERSONAL INFORMATION?

Financial companies choose how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing. Federal law also requires us to tell you
Why? how we collect, share, and protect your personal information. Please read this notice
carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you
have with us. This information can include:
What? § Social Security number and income
§ Account balances and payment history
§ Credit history and mortgage rates and payments

All financial companies need to share customers’ personal information to run their everyday
business. In the section below, we list the reasons financial companies can share their
How? customers’ personal information; the reasons Newrez LLC chooses to share; and whether
you can limit this sharing.
Does Newrez Can you limit this
Reasons we can share your personal information
LLC share? sharing?
For our everyday business purposes—
such as to process your transactions, maintain your Yes No
account(s), respond to court orders and legal
investigations, or report to credit bureaus
For our marketing purposes— Yes No
to offer our products and services to you
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes— Yes No
information about your transactions and experiences
For our affiliates’ everyday business purposes— Yes Yes
information about your creditworthiness
For our affiliates to market to you Yes Yes
For non-affiliates to market to you Yes Yes
n Call 877.772.9065 – our menu will prompt you through your choices; or
n Complete and mail in the form directly below:
To Limit
Our Sharing Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we
sent this notice. When you are no longer our customer, we continue to share your
information as described in this notice. However, you can contact us at any time to limit our
sharing.

Questions? Call toll free 888.820.6474

#-----------------------------------------------------------------------------------------------------------------------------------------------------

Mail-In Form
Mark any/all you want to limit:
Mail to:
q Do not share information about my creditworthiness with your affiliates for Newrez LLC c/o PHH
their everyday business purposes. Mortgage Services
q Do not allow your affiliates to use my personal information to market to me. Attention: Marketing
q Do not share my personal information with non-affiliates to market their Department
products and services to me. PO Box 24737
West Palm Beach FL
Name: _____________________________________________________ 33416-4737
Address: ___________________________________________________
___________________________________________________________
CIty, State, Zip: ______________________________________________
Loan Number: 7090715975

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Page 2
Who we are
Who is providing this notice? Newrez LLC
What we do
To protect your personal information from unauthorized access and use, we
How does Newrez LLC protect use security measures that comply with federal law. These measures include
my information? computer safeguards and secured files and buildings. Our security practices
include limiting access to this information to those employees and business
associates with appropriate authority and for intended business purposes
only.

We collect your personal information, for example, when you

n Pay your bills or provide the mortgage information
How does Newrez LLC collect n Give us your contact information or provide employment information
my personal information? n Give us your income information

We also collect your personal information from others, such as credit bureaus,
affiliates, or other companies.

Federal law gives you the right to limit only

n sharing for affiliates’ everyday business purposes – information about
Why can’t I limit all sharing? your creditworthiness
n affiliates from using your information to market to you
n sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit
sharing. See below for more on your rights under state law.

What happens when I limit

sharing for an account I hold Your choices will apply to everyone on your account.
jointly with someone else?

Definitions
Companies related by common ownership or control. They can be financial
Affiliates and non-financial companies.
n Our affiliates include, but are not limited to: Shellpoint Partners LLC, New
Residential Mortgage LLC, Avenue 365 Lender Services, LLC, Avenue Title
Agency, LLC, Caliber Home Loans, Inc., Matic Insurance Services, Inc.,
Shelter Mortgage Company, LLC, Solvent Point LLC f/k/a Meritane Financial
LLC, E Street Appraisal Management LLC, and Covius Services, LLC.

Companies not related by common ownership or control. They can be

Non-affiliates financial and non-financial companies.
n Non-affiliates that we share with may include: financial services
companies, insurance companies, direct marketing companies, and
service providers.

A formal agreement between non-affiliated financial companies that together

Joint marketing market financial products or services to you.
n Our joint marketing partners may include financial services companies,
such as mortgage lenders, home warranty companies, payment accelerator
companies, insurance companies, maintenance referral services, credit card
companies, and companies offering financial and credit products or services.

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 Other Important Information
Residents of Vermont: We will not disclose information about your creditworthiness to our affiliates and will not
disclose your personal information, financial information, credit report, or health information to nonaffiliated third
parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those
disclosures.
• Additional information concerning our privacy policies can be found by calling 877-772-9065.

Residents of California: In accordance with California law, we will not share information we collect about you
with nonaffiliated third parties, except as permitted by law, including, for example, with your consent or to service
your account.

If you are a California resident and we share information with affiliates, or if we have entered into
joint marketing agreements with nonaffiliated financial companies, we have separately mailed you a California
Privacy Notice. If you do not want us to share your information with such companies, please let us know by
simply calling the toll-free telephone number provided, completing the reply form contained in the California
Privacy Notice and mailing it to the address provided or faxing it to the number provided. We will also limit
sharing among our affiliates to the extent required by California law. If you are a new customer, we can begin
sharing your information 45 days from the date we sent this notice.

Residents of North Dakota: We will not disclose information we collect about you with nonaffiliated third parties,
other than as permitted by North Dakota law, unless you authorize us to make those disclosures.
• Additional information concerning our privacy policies can be found by calling 877-772-9065.

Residents of Nevada: We are providing this notice pursuant to Nevada state law. You may be placed on our internal Do Not Call
List by contacting our customer service department via telephone at 877-772-9065; or via mail at Newrez LLC, c/o PHH
Mortgage Services, Attn: Research Mail Stop SV26, 5720 Premier Park Drive, West Palm Beach, FL 33407. You may also obtain
further information by contacting the Bureau of Consumer Protection, Office of the Nevada Attorney General via mail at 555 E.
Washington St., Suite 3900, Las Vegas, NV 89101; via telephone at 702.486.3132; or via email at BCPINFO@ag.state.nv.gov.

Important Notice about Credit Reporting: We may report information about your account(s) to credit bureaus
and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account(s) may be reflected in
your credit report and/or consumer report.

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