SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF MONROE INDEX NO.: E2024008274 DATE FILED: 5/16/2024 SUMMONS Plaintiff designates Monroe County as the place of trial based on the location of the mortgaged premises in this action CITIZENS BANK, N.A., Plaintiff, -against- SARAH LEE AS HEIR AT LAW AND NEXT OF KIN TO JOYCE MILFORD; ROGER LEE AS HEIR AT LAW AND NEXT OF KIN TO JOYCE MILFORD; DANIEL BEARD AS HEIR AT LAW AND NEXT OF KIN TO JOYCE MILFORD; KEVIN LEE AS HEIR AT LAW AND NEXT OF KIN TO JOYCE MILFORD; SHMYRACY BEARD AS HEIR AT LAW AND NEXT OF KIN TO JOYCE MILFORD; KELVIN BEARD AS HEIR AT LAW AND NEXT OF KIN TO JOYCE MILFORD; MICHAEL LEE AS HEIR AT LAW AND NEXT OF KIN TO JOYCE MILFORD; RAKIEM LEE AS HEIR AT LAW AND NEXT OF KIN TO JOYCE MILFORD; SHELTIERE LEE AS HEIR AT LAW AND NEXT OF KIN TO JOYCE MILFORD; GLENN LEE AS HEIR AT LAW AND NEXT OF KIN TO JOYCE MILFORD; JOHN DOE AND JANE DOE 1 THROUGH 50, INTENDING TO BE THE UNKNOWN HEIRS, DISTRIBUTEES, DEVISEES, GRANTEES, TRUSTEES, LIENORS, CREDITORS, AND ASSIGNEES OF THE ESTATE OF JOYCE MILFORD, WHO WAS BORN IN 1966 AND DIED ON FEBRUARY 3, 2023, A RESIDENT OF MONROE COUNTY, WHOSE LAST KNOWN ADDRESS WAS 119 SARANAC STREET, ROCHESTER, NEW YORK 14621, THEIR SUCCESSORS IN INTEREST IF ANY OF THE AFORESAID DEFENDANTS BE DECEASED, THEIR RESPECTIVE HEIRS AT LAW, NEXT OF KIN, AND SUCCESSORS IN INTEREST OF THE AFORESAID CLASSES OF PERSON, IF THEY OR ANY OF THEM BE DEAD, AND THEIR RESPECTIVE HUSBANDS, WIVES OR WIDOWS, IF ANY, ALL OF WHOM AND WHOSE NAMES AND PLACES, ARE UNKNOWN TO PLAINTIFF; URBAN LEAGUE OF ROCHESTER ECONOMIC DEVELOPMENT CORPORATION; U.S. BANK NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY, BUT SOLELY AS TRUSTEE OF NRZ RECOVERY TRUST; CITIZENS BANK, N.A.; COMMISSIONER OF TAXATION AND FINANCE; PEOPLE OF THE STATE OF NEW YORK; CITY COURT OF ROCHESTER; CAPITAL ONE BANK USA NA; GATES TOWN COURT; CREDIT ACCEPTANCE CORPORATION; UNITED STATES OF AMERICA O/B/O INTERNAL REVENUE SERVICE; "JOHN DOE #1" to "JOHN DOE #10," the last 10 names being fictitious and unknown to plaintiff, the persons 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, Defendants. To the above-named defendants: YOU ARE HEREBY SUMMONED to answer the complaint in this action and to serve a copy of your answer, or, if the complaint is not served with this summons, to serve a notice of appearance, on the plaintiff's attorneys within twenty (20) days after the service of this summons, exclusive of the day of service (or within thirty (30) days after the service is complete if this summons is not personally delivered to you within the State of New York); and in case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in the complaint. NOTICE YOU ARE IN DANGER OF LOSING YOUR HOME IF YOU DO NOT RESPOND TO THIS SUMMONS AND COMPLAINT BY SERVING A COPY OF THE ANSWER ON THE ATTORNEY FOR THE MORTGAGE COMPANY WHO FILED THIS FORECLOSURE PROCEEDING AGAINST YOU AND FILING THE ANSWER WITH THE COURT, A DEFAULT JUDGMENT MAY BE ENTERED AND YOU CAN LOSE YOUR HOME. SPEAK TO AN ATTORNEY OR GO TO THE COURT WHERE YOUR CASE IS PENDING FOR FURTHER INFORMATION ON HOW TO ANSWER THE SUMMONS AND PROTECT YOUR PROPERTY. SENDING A PAYMENT TO YOUR MORTGAGE COMPANY WILL NOT STOP THIS FORECLOSURE ACTION. YOU MUST RESPOND BY SERVING A COPY OF THE ANSWER ON THE ATTORNEY FOR THE PLAINTIFF (CITIZENS BANK, N.A.) AND FILING THE ANSWER WITH THE COURT. McCABE, WEISBERG & CONWAY, LLC By: MELISSA S. DICERBO, ESQ. Attorneys for Plaintiff One Huntington Quadrangle, Suite 4N25 Melville, NY 11747 631-812-4084 855-845-2584 facsimile File # 23-300320 HELP FOR HOMEOWNERS IN FORECLOSURE NEW YORK STATE LAW REQUIRES THAT WE SEND YOU THIS NOTICE ABOUT THE FORECLOSURE PROCESS. PLEASE READ IT CAREFULLY. SUMMONS AND COMPLAINT YOU ARE IN DANGER OF LOSING YOUR HOME. IF YOU FAIL TO RESPOND TO THE SUMMONS AND COMPLAINT IN THIS FORECLOSURE ACTION, YOU MAY LOSE YOUR HOME. PLEASE READ THE SUMMONS AND COMPLAINT CAREFULLY. YOU SHOULD IMMEDIATELY CONTACT AN ATTORNEY OR YOUR LOCAL LEGAL AID OFFICE TO OBTAIN ADVICE ON HOW TO PROTECT YOURSELF. SOURCES OF INFORMATION AND ASSISTANCE The State encourages you to become informed about your options in foreclosure. In addition to seeking assistance from an attorney or legal aid office, there are government agencies and non- profit organizations that you may contact for information about possible options, including trying to work with your lender during this process. To locate an entity near you, you may call the toll-free helpline maintained by the New York State Department of Financial Services at 1-800-342-3736 or visit the Department's website at www.dfs.ny.gov RIGHTS AND OBLIGATIONS YOU ARE NOT REQUIRED TO LEAVE YOUR HOME AT THIS TIME. You have the right to stay in your home during the foreclosure process. You are not required to leave your home unless and until your property is sold at auction pursuant to a judgment of foreclosure and sale. Regardless of whether you choose to remain in your home, YOU ARE REQUIRED TO TAKE CARE OF YOUR PROPERTY and pay property taxes in accordance with state and local law. FORECLOSURE RESCUE SCAMS Be careful of people who approach you with offers to "save" your home. There are individuals who watch for notices of foreclosure actions in order to unfairly profit from a homeowner's distress. You should be extremely careful about any such promises and any suggestions that you pay them a fee or sign over your deed. State law requires anyone offering such services for profit to enter into a contract which fully describes the services they will perform and fees they will charge, and which prohibits them from taking any money from you until they have completed all such promised services. § 1303 NOTICE October 31, November 7, 14, 21 2025 LNYS0397077